BNP Paribas Commercial Finance Ltd

Reference number: 481120

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When commercialfinance.bnpparibas.co.uk first appeared online, and whether it can receive email
  • What kind of line 01892 703549 is
  • Who else gives the postcode TN4 8BS
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Fortis Commercial Finance Limited Former name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company name
BNP PARIBAS COMMERCIAL FINANCE LIMITED
Company number
02713317
Company status
Active
Company type
Private limited company
Incorporated
5 May 1992 (34 years old)
Registered office
Windsor House, 6-10 Mount Ephraim Road, Tunbridge Wells, TN1 1EE, England
Nature of business
  • Factoring (SIC 64992)

Directors and company secretaries

Name Role Born Appointed Other companies
Luc Marinus Director Jul 1968 6 Sep 2016 None
David John Morris Director Jul 1962 30 Nov 2016 1 other company
David Tilley Director Jun 1978 2 Jan 2020 None
Julien Pierre Edward Louis Stuyck Director Mar 1979 25 Mar 2021 None
Charles-Henry Braun Director Aug 1985 8 Jul 2021 None
Lionel Joubaud Director Feb 1979 8 Jul 2021 None
Nirmala Doobay Director Jun 1963 19 Jan 2023 None
Louise Kelly Watts Director Jul 1977 26 Jun 2023 None
Nirmala Doobay Secretary Not published 3 Jul 2000 –

Other companies run by these 8 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 43 people who have ever been directors, with their dates
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Key dates in its history

BNP Paribas Commercial Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (83)

2016

6 April 2016

  • BNP Paribas Fortis Factor NV took control (75–100% of shares)

Companies House

2012

29 June 2012

  • Changed its registered name from "Fortis Commercial Finance Limited"

FCA register

2008

9 April 2008

  • Registered with the FCA

FCA register

1992

5 May 1992

  • Incorporated at Companies House

Companies House

In the full report: all 83 events

  • All 83 events in its history (4 shown here)
  • Every director appointment and resignation: 79
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Firms connected to BNP Paribas Commercial Finance

Other FCA-listed firms that share a director, phone number or address with BNP Paribas Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on BNP Paribas Commercial Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • All 83 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is BNP Paribas Commercial Finance Ltd FCA authorised?
BNP Paribas Commercial Finance Ltd (FRN 481120) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is BNP Paribas Commercial Finance’s phone number and website?
The FCA register lists the phone number 01892 703549 and the website commercialfinance.bnpparibas.co.uk/en for BNP Paribas Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is BNP Paribas Commercial Finance a scam or clone?
BNP Paribas Commercial Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with BNP Paribas Commercial Finance?
Money you hand to BNP Paribas Commercial Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns BNP Paribas Commercial Finance?
BNP Paribas Commercial Finance is owned by BNP Paribas Fortis Factor NV, which holds 75–100% of shares, since 6 April 2016.
Who runs BNP Paribas Commercial Finance?
Companies House lists 8 directors of BNP Paribas Commercial Finance: Luc Marinus, David John Morris, David Tilley, Julien Pierre Edward Louis Stuyck, Charles-Henry Braun, Lionel Joubaud and 2 more.
How long has BNP Paribas Commercial Finance been in business?
The company was formed on 5 May 1992.
Does BNP Paribas Commercial Finance use any other names?
It has previously used the name Fortis Commercial Finance Limited.

Sources and links

The full report on BNP Paribas Commercial Finance Ltd

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