Capsol Finance Limited

Reference number: 989582

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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.

  • No website on the FCA register

  • Phone number

    020 3900 4144

  • Address

    Parkshot House, 5 Kew Road, Richmond, TW9 2PR, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 3900 4144 is
  • Who else gives the postcode TW9 2PR
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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 number
13813535
Company status
Active
Company type
Private limited company
Incorporated
22 December 2021 (4 years old)
Registered office
Kent House, 240 Kew Road, Kew, Richmond, Surrey, TW9 3JX, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Georg Ernst August Schroeder Director Mar 1968 22 Dec 2021 3 other companies
Andrew Rhys Richards Director Oct 1976 20 Jun 2022 2 other companies
CAPSOL INVESTMENTS LTD Corporate director Not published 1 Sep 2022 1 other company
Timothy Lawrence Armstrong Director Sep 1968 14 Nov 2022 21 other companies
Marcus Yang Director Feb 1971 1 May 2024 8 other companies

Other companies run by these 5 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 companies
33
closed down
6
are FCA-registered
2

In the full report: all 33 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 2 companies these 5 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£1.20m

Down £329k from −£868k

Cash at bank

£0

−100% from £43.0k

Employees (average)

2

−67% from 6

Owed within a year

£28.1k

−83% from £161k

Net assets are negative: on its last balance sheet the company owed £1.20m more than it owned.

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 13813535. 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

Capsol Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2023

1 February 2023

  • Registered with the FCA

FCA register

2022

1 October 2022

  • Georg Ernst August Schroeder no longer has significant control

Companies House

2021

22 December 2021

  • Incorporated at Companies House
  • Capsol Investments Limited took control (75–100% of shares)
  • Georg Ernst August Schroeder gained significant control

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Capsol Finance

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

connected firms
5
share a director
2
share its postcode
3

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Get the full report on Capsol Finance

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

  • 33 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 11 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Capsol Finance Limited FCA authorised?
Capsol Finance Limited (FRN 989582) 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 Capsol Finance’s phone number?
The FCA register lists the phone number 020 3900 4144 for Capsol Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Capsol Finance a scam or clone?
Capsol 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 Capsol Finance?
Money you hand to Capsol 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 Capsol Finance?
Capsol Finance is owned by Capsol Investments Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 22 December 2021. Before that, it was controlled by Mr Georg Ernst August Schroeder.
Who runs Capsol Finance?
Companies House lists 5 directors of Capsol Finance: Georg Ernst August Schroeder, Andrew Rhys Richards, Capsol Investments Ltd, Timothy Lawrence Armstrong and Marcus Yang.
How long has Capsol Finance been in business?
The company was formed on 22 December 2021.
What do Capsol Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£1.20m (down £329k from −£868k) and cash at bank of £0 (−100% from £43.0k).

Sources and links

The full report on Capsol Finance Limited

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