Finance Simplified Ltd

Reference number: 725142

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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.
  • Finance Simplified Ltd (FRN 725142) is an AR of AFS Compliance Ltd (FRN 625035). When you use Finance Simplified's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Finance Simplified, 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

    07908 593329

  • Address

    7, The Highlands, Old Barry Road, Penarth, Vale of Glamorgan, CF64 2AR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07908 593329 is
  • Who else gives the postcode CF64 2AR
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Other names (2)

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

  • Asset Finance Solutions Trading name
  • Synergy Commercial Finance Former trading 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
09817890
Company status
Active
Company type
Private limited company
Incorporated
9 October 2015 (11 years old)
Registered office
7 The Highlands, Old Barry Road, Penarth, CF64 2AR, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Lukasz Kowalski Director Jan 1977 9 Oct 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 October 2024Small company accountsNot audited

Net assets

£151k

+131% from £65.3k

Cash at bank

£13.9k

−71% from £47.8k

Employees (average)

1

Same as 1

Owed within a year

£83.0k

+12% from £74.2k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2020 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 09817890. 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

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

Key events (6) All events (10)

2020

30 October 2020

  • Lukasz Kowalski became a part-owner (25–50% of shares)
  • Lukasz Kowalski gave up control

Companies House

2016

6 April 2016

  • Lukasz Kowalski took control (75–100% of shares)
  • Rachael Kowalski became a part-owner (25–50% of shares)

Companies House

2015

11 November 2015

  • Became an appointed representative

FCA register

9 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 1
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Firms like Finance Simplified

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

In Penarth

Tannorella Mortgages LtdPenarthAppointed representativeAndrew WarnerPenarthAuthorisedCuro Advisers LimitedPenarthAuthorisedJonathan Popham Mortgage Services LimitedPenarthAuthorisedMr Adam GovierPenarthAuthorisedZest Mortgages LtdPenarthAuthorised

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 Finance Simplified

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
  • 5 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Finance Simplified Ltd FCA authorised?
Finance Simplified Ltd (FRN 725142) 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 Finance Simplified?
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. Finance Simplified Ltd (FRN 725142) is an AR of AFS Compliance Ltd (FRN 625035). When you use Finance Simplified's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Finance Simplified, 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 Finance Simplified’s phone number?
The FCA register lists the phone number 07908 593329 for Finance Simplified. If you were given different contact details, use these to check with the firm before going any further.
Is Finance Simplified a scam or clone?
Finance Simplified 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 Finance Simplified?
Protection works through AFS Compliance Ltd, the principal firm responsible for Finance Simplified's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Finance Simplified?
Companies House lists 2 people with significant control of Finance Simplified: Mr Lukasz Kowalski (25–50% of shares) and Mrs Rachael Kowalski (25–50% of shares).
Who runs Finance Simplified?
Companies House lists one director of Finance Simplified: Lukasz Kowalski.
How long has Finance Simplified been in business?
The company was formed on 9 October 2015.
What do Finance Simplified’s latest accounts show?
Its latest accounts, to 31 October 2024, show net assets of £151k (+131% from £65.3k) and cash at bank of £13.9k (−71% from £47.8k).
Does Finance Simplified use any other names?
It trades as Asset Finance Solutions. It has previously used the name Synergy Commercial Finance.

Sources and links

The full report on Finance Simplified Ltd

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