Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 31 January 2026
Responsible principal firm
AFS Compliance Ltd Reference number: 625035 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- BUSINESS FINANCE EXPERT (MIDLANDS) LTD (FRN 1010477) is an AR of AFS Compliance Ltd (FRN 625035). When you use BUSINESS FINANCE EXPERT (MIDLANDS)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from BUSINESS FINANCE EXPERT (MIDLANDS), complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
-
No website on the FCA register
-
Phone number
-
Address
15 Warbank Close, Alvechurch, Birmingham, Worcestershire, B48 7PA, United Kingdom
In the full report: 2 background checks
- What kind of line 07850 025933 is
- Who else gives the postcode B48 7PA
Other names (2)
If you were contacted under any of these names, it is this firm.
- Business Finance Expert Trading name: A name it trades under now.
- Synergy Commercial Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through AFS Compliance Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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 number
- 15391936 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 January 2024 (2 years old)
- Registered office
- 15 Warbank Close, Alvechurch, Birmingham, B48 7PA, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stuart John Pawelczyk | Director | Jul 1985 | 6 Jan 2024 | 2 other companies |
Other companies run by its director
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 companies
- 2
- still active
- 2
- is FCA-registered
- 1
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
£86.8k
+210% from £28.0k
Cash at bank
£151k
+71% from £88.2k
Owed within a year
£71.1k
+7% from £66.4k
Assets and liabilities
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company 15391936. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Business Finance Expert (Midlands)’s history from the FCA register and Companies House, newest first.
2024
28 February 2024
- Became an appointed representative
FCA register
6 January 2024
- Incorporated at Companies House
- Stuart John Pawelczyk took control (75–100% of shares)
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 1
Firms connected to Business Finance Expert (Midlands)
Other FCA-listed firms that share a director, phone number or address with Business Finance Expert (Midlands). A link shows who the firm is tied to, not whether either can be trusted.
- past link
- 1
In the full report: all 0 connected firms, named
- 1 past link through former directors
Firms like Business Finance Expert (Midlands)
Other firms of the same type (mortgage adviser or broker), nearest first.
In Birmingham
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Business Finance Expert (Midlands)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Business Finance Expert (Midlands) Ltd FCA authorised?
What does appointed representative mean for Business Finance Expert (Midlands)?
What is Business Finance Expert (Midlands)’s phone number?
Is Business Finance Expert (Midlands) a scam or clone?
Is my money safe with Business Finance Expert (Midlands)?
Who owns Business Finance Expert (Midlands)?
Who runs Business Finance Expert (Midlands)?
How long has Business Finance Expert (Midlands) been in business?
What do Business Finance Expert (Midlands)’s latest accounts show?
Does Business Finance Expert (Midlands) use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk