F4B Commercial Limited

Reference number: 772940

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When finance-4-business.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 309 0444 is
  • Who else gives the postcode B3 2AA
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Other names (4)

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

  • F4B Trading name
  • Finance 4 Bridging Trading name
  • Finance 4 Business Trading name
  • My Bridging Loan Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts

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
08076429
Company status
Active
Company type
Private limited company
Incorporated
21 May 2012 (14 years old)
Registered office
39 High Street, Orpington, Kent, BR6 0JE, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Russell James Martin Director Mar 1972 3 Feb 2016 19 other companies
James Clive Danks Director Oct 1989 27 Feb 2023 None

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
19
closed down
7
went insolvent
2

In the full report: all 19 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The one on the FCA register
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

£362k

+9% from £332k

Cash at bank

£1,823

−92% from £22.1k

Employees (average)

6

Same as 6

Owed within a year

£253k

−12% from £287k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 08076429. 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

F4B Commercial’s history from the FCA register and Companies House, newest first.

Key events (8) All events (29)

2018

5 November 2018

  • Russell James Martin gained significant control
  • Russell Martin no longer has significant control

Companies House

1 November 2018

  • Ian Mark Ferguson no longer has significant control
  • Russell Martin gained significant control

Companies House

2017

4 April 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

1 September 2016

  • Ian Mark Ferguson gained significant control

Companies House

2012

21 May 2012

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (8 shown here)
  • Every director appointment and resignation: 16
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Firms connected to F4B Commercial

Other FCA-listed firms that share a director, phone number or address with F4B Commercial. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
1
share its postcode
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like F4B Commercial

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

In Birmingham

Affiliate Finance LtdBirminghamAuthorisedAlderbrook Financial Services LimitedBirminghamAuthorisedAwan Commercial Mortgages & Property Services LimitedBirminghamAuthorisedBridgefast Capital LtdBirminghamAuthorisedCarloumi Private Finance LimitedBirminghamAuthorisedCherry Street Holdings LtdBirminghamAuthorised

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 F4B Commercial

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

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 29 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is F4B Commercial Limited FCA authorised?
Yes, F4B Commercial Limited (FRN 772940) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is F4B Commercial’s phone number and website?
The FCA register lists the phone number 0121 309 0444 and the website finance-4-business.co.uk for F4B Commercial. If you were given different contact details, use these to check with the firm before going any further.
Is F4B Commercial a scam or clone?
F4B Commercial 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 F4B Commercial?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about F4B Commercial to the Financial Ombudsman Service, free of charge.
Who owns F4B Commercial?
Companies House lists one person with significant control of F4B Commercial: Mr Russell James Martin (significant influence or control). Before that, it was controlled by Mr Russell Martin and Mr Ian Mark Ferguson.
Who runs F4B Commercial?
Companies House lists 2 directors of F4B Commercial: Russell James Martin and James Clive Danks.
How long has F4B Commercial been in business?
The company was formed on 21 May 2012, and has held its current FCA authorisation since April 2017.
What do F4B Commercial’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £362k (+9% from £332k) and cash at bank of £1,823 (−92% from £22.1k).
Does F4B Commercial use any other names?
It trades as F4B, Finance 4 Bridging, Finance 4 Business and My Bridging Loan.

Sources and links

The full report on F4B Commercial Limited

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