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 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 March 2025
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.
- Clarity Commercial Finance Limited (FRN 996037) is an AR of AFS Compliance Ltd (FRN 625035). When you use Clarity Commercial Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Clarity Commercial 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.
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No website on the FCA register
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Phone number
-
Address
3 Keepers Court, Top Lock Meadows, Stamford, Northamptonshire, PE9 3FG, United Kingdom
In the full report: 2 background checks
- What kind of line 07779 124275 is
- Who else gives the postcode PE9 3FG
Other names (2)
If you were contacted under any of these names, it is this firm.
- Asset Finance Solutions Trading name: A name it trades under now.
- Clarity Commercial Finance Limited Ltd Former name: A name it was registered under before.
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
- 14653542 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 February 2023 (3 years old)
- Registered office
- 7 Victoria Road, Tamworth, B79 7HS, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Simon Charles Metcalfe Beare | Director | Oct 1979 | 7 Apr 2023 | 2 other companies |
| Robert James Telfer | Director | Jan 1984 | 7 Apr 2023 | 3 other companies |
Other companies run by these 2 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
- 4
- still active
- 4
- is FCA-registered
- 1
In the full report: all 4 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- The 1 company these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£46.1k
+5.6% from £43.7k
Cash at bank
£41.7k
−59% from £102k
Owed within a year
£30.1k
−71% from £105k
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 14653542. 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
Clarity Commercial Finance’s history from the FCA register and Companies House, newest first.
2026
2 October 2026
- Jonelle Debbie Annette Telfer stopped being a part-owner
- Simon Charles Metcalfe Beare stopped being a part-owner
Companies House
2025
1 February 2025
- Jonelle Debbie Annette Telfer became a part-owner (25–50% of shares)
- Robert James Telfer stopped being a part-owner
Companies House
2024
8 June 2024
- Changed its registered name from "Clarity Commercial Finance Limited Ltd"
FCA register
2023
9 May 2023
- Became an appointed representative
FCA register
7 April 2023
- David Telfer gave up control
- Robert James Telfer became a part-owner (25–50% of shares)
- Simon Charles Metcalfe Beare became a part-owner (25–50% of shares)
Companies House
10 February 2023
- Incorporated at Companies House
- David Telfer took control (75–100% of shares)
Companies House
In the full report: all 16 events
- All 16 events in its history (11 shown here)
- Every director appointment and resignation: 4
Firms connected to Clarity Commercial Finance
Other FCA-listed firms that share a director, phone number or address with Clarity Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
Firms like Clarity Commercial Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Stamford
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 Clarity Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- All 16 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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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