Cheerbrook Asset Finance Ltd

Reference number: 764461

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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.

Responsible principal firm

AFS Compliance Ltd Reference number: 625035 Authorised 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.
  • CHEERBROOK ASSET FINANCE LTD (FRN 764461) is an AR of AFS Compliance Ltd (FRN 625035). When you use CHEERBROOK ASSET FINANCE's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CHEERBROOK ASSET FINANCE, 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

    07813 617079

  • Address

    11 Bebbington Way, Willaston, Nantwich, CW5 7TH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07813 617079 is
  • Who else gives the postcode CW5 7TH
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Other names (3)

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

  • Asset Finance Solutions Trading name
  • North West Commercial Finance Trading name
  • SJMC Consultancy Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, free
    You 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
09439222
Company status
Active
Company type
Private limited company
Incorporated
13 February 2015 (11 years old)
Registered office
11 Bebbington Way, Willaston, Nantwich, CW5 7TH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Samuel James Michael Clark Director Dec 1987 13 Feb 2015 None
Vicky Chiu Director Oct 1982 18 Feb 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 5 April 2026Micro-entity accountsNot audited

Net assets

£36.7k

+646% from £4,923

Employees (average)

1

Up 1 from 0

Owed within a year

£19.7k

−8.8% from £21.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 09439222. 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

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

Key events (5) All events (9)

2025

6 April 2025

  • Vicky Chiu became a part-owner (25–50% of shares)

Companies House

2023

20 April 2023

  • Changed its registered name from "SJMC Consultancy Ltd"

FCA register

2016

6 December 2016

  • Samuel James Michael Clark became the majority owner (50–75% of shares)

Companies House

15 November 2016

  • Became an appointed representative

FCA register

2015

13 February 2015

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Cheerbrook Asset Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Crewe (CW) postcode area

Amplo Asset Finance LimitedSandbachAppointed representativeAmplo Mortgages & Financial SolutionsCreweAppointed representativeBedson Financial Solutions LimitedSandbachAppointed representativeCooke & Snape Mortgages LtdCongletonAppointed representativeEntire Services LtdTarporleyAppointed representativeFidenti Mortgages & Protection LimitedSandbachAppointed representative

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 Cheerbrook Asset Finance

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Cheerbrook Asset Finance Ltd FCA authorised?
Cheerbrook Asset Finance Ltd (FRN 764461) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Cheerbrook Asset Finance?
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. Cheerbrook Asset Finance Ltd (FRN 764461) is an AR of AFS Compliance Ltd (FRN 625035). When you use Cheerbrook Asset Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cheerbrook Asset Finance, 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.
What is Cheerbrook Asset Finance’s phone number?
The FCA register lists the phone number 07813 617079 for Cheerbrook Asset Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Cheerbrook Asset Finance a scam or clone?
Cheerbrook Asset Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Cheerbrook Asset Finance?
Protection works through AFS Compliance Ltd, the principal firm responsible for Cheerbrook Asset Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cheerbrook Asset Finance?
Companies House lists 2 people with significant control of Cheerbrook Asset Finance: Mr Samuel James Michael Clark (50–75% of shares) and Ms Vicky Chiu (25–50% of shares).
Who runs Cheerbrook Asset Finance?
Companies House lists 2 directors of Cheerbrook Asset Finance: Samuel James Michael Clark and Vicky Chiu.
How long has Cheerbrook Asset Finance been in business?
The company was formed on 13 February 2015.
What do Cheerbrook Asset Finance’s latest accounts show?
Its latest accounts, to 5 April 2026, show net assets of £36.7k (+646% from £4,923).
Does Cheerbrook Asset Finance use any other names?
It trades as Asset Finance Solutions and North West Commercial Finance. It has previously used the name SJMC Consultancy Ltd.

Sources and links

The full report on Cheerbrook Asset Finance Ltd

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