Factored Financial Limited

Reference number: 1005726

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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

  • No phone number on the FCA register

  • Address

    Sutton Yard, 65 Goswell Road, London, EC1V 9NR, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode EC1V 9NR
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Other names (1)

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

  • Factored Trading name

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
12949531
Company status
Active
Company type
Private limited company
Incorporated
14 October 2020 (6 years old)
Registered office
167-169 Great Portland Street, 5th Floor, London, W1W 5PF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin Schuldenfrei Director Aug 1990 14 Oct 2020 1 other company
David Rabee Director Dec 1989 8 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 company
1
still active
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 28 February 2025Micro-entity accountsNot audited

Net assets

−£47.4k

Down £44.9k from −£2,560

Employees (average)

0

Same as 0

Owed within a year

£656k

+354% from £145k

Net assets are negative: on its last balance sheet the company owed £47.4k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2021 to 2025
  • 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 12949531. 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

Factored Financial’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2024

16 February 2024

  • Registered with the FCA

FCA register

2023

8 February 2023

  • David Rabee became a part-owner (25–50% of shares)

Companies House

2020

14 October 2020

  • Incorporated at Companies House
  • Benjamin Schuldenfrei became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Factored Financial

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

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

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

  • 1 other company its directors have run, named
  • 1 background check on its contact details
  • 4 years of accounts, charted
  • All 7 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Factored Financial Limited FCA authorised?
Factored Financial Limited (FRN 1005726) 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 Factored Financial a scam or clone?
Factored Financial 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 Factored Financial?
Money you hand to Factored Financial 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 Factored Financial?
Companies House lists 2 people with significant control of Factored Financial: Mr Benjamin Schuldenfrei (25–50% of shares) and Mr David Rabee (25–50% of shares).
Who runs Factored Financial?
Companies House lists 2 directors of Factored Financial: Benjamin Schuldenfrei and David Rabee.
How long has Factored Financial been in business?
The company was formed on 14 October 2020.
What do Factored Financial’s latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of −£47.4k (down £44.9k from −£2,560).
Does Factored Financial use any other names?
It trades as Factored.

Sources and links

The full report on Factored Financial Limited

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