Cherry Orchard Funding Limited: FCA regulated?

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.

Registered for 5 years
No FCA actions
Active company since 2020
Accounts filed up to 31 July 2022
On its latest accounts it owed £187k more than it owned

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
No phone number on the FCA register
Address

222 Armstrong Road, Luton, Bedfordshire, LU2 0FY, United Kingdom

In the full report: 1 background check

Who else gives the postcode LU2 0FY

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: 12502698 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 6 March 2020 (6 years old)
Registered office: 222 Armstrong Road, Luton, LU2 0FY, England
Nature of business: Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Tatiana Korenkova	Director	Jan 1972	6 Mar 2020	10 other companies
Rabinder Singh Takhar	Director	Feb 1965	6 Mar 2020	14 other companies
Liam Leo Mcshane	Director	Dec 1957	12 Apr 2024	9 other companies
Liam Mcshane	Secretary	Not published	27 Oct 2022	–

Other companies run by these 3 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: 23
closed down: 7
went insolvent: 2

In the full report: all 23 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
The 2 that went into liquidation or administration
The 10 on the FCA register, including one no longer authorised
The 7 companies these 3 directors run together

Filed accounts and finances

16 months to 31 July 2022Full accountsAudited

Turnover

£11.7k

Not compared: the previous accounts cover a different length of time

Total equity

−£187k

Down £187k from £1

Cash at bank

£5,183

No earlier figure to compare

Employees (average)

3

Up 3 from 0

Total equity is negative: on its last balance sheet the company owed £187k more than it owned.

The previous accounts cover 13 months, so turnover and profit are not compared with them.

Total equity

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 12502698. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Cherry Orchard Funding’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2021

23 September 2021

Registered with the FCA

FCA register

2020

6 March 2020

Incorporated at Companies House
Orchard Funding Group PLC 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: 3

Firms connected to Cherry Orchard Funding

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

connected firms: 9
share a director: 9
share its postcode: 9

In the full report: all 9 connected firms, named

How each is linked: shared directors (9), the same postcode (9)
Who links each one: the named directors, with dates
1 past link through former directors

Get the full report on Cherry Orchard Funding

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

23 other companies its directors have run, named
1 background check on its contact details
All 6 events in its history
9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cherry Orchard Funding Limited FCA authorised?

Cherry Orchard Funding Limited (FRN 956648) 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.

Is Cherry Orchard Funding a scam or clone?

Cherry Orchard Funding 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 Cherry Orchard Funding?

Money you hand to Cherry Orchard Funding 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 Cherry Orchard Funding?

Cherry Orchard Funding is owned by Orchard Funding Group PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 March 2020.

Who runs Cherry Orchard Funding?

Companies House lists 3 directors of Cherry Orchard Funding: Tatiana Korenkova, Rabinder Singh Takhar and Liam Leo McShane.

How long has Cherry Orchard Funding been in business?

The company was formed on 6 March 2020.

What do Cherry Orchard Funding’s latest accounts show?

Its latest accounts, to 31 July 2022, show turnover of £11.7k (not compared: the previous accounts cover a different length of time) and total equity of −£187k (down £187k from £1).