Fintern Ltd

Reference number: 929244

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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 getabound.com first appeared online, and whether it can receive email
  • What kind of line 020 3443 8881 is, and the other firm that gives it
  • Who else gives the postcode E1W 1AZ
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Other names (3)

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

  • Abound Trading name
  • Abound Loans Trading name
  • CrediSphere Trading name

FCA permissions and consumer protection

  • 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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
12472034
Company status
Active
Company type
Private limited company
Incorporated
19 February 2020 (6 years old)
Registered office
3rd Floor 86-90 Paul Street, London, EC2A 4NE, England
Nature of business
  • Business and domestic software development (SIC 62012)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Cong He (Dr) Director Nov 1981 19 Feb 2020 None
Gerald Chappell Director Jan 1981 8 Jul 2020 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 7 people who have been directors, with their dates
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Filed accounts and finances

Year to 28 February 2025Full accountsAudited

Turnover

£25.5m

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

Profit before tax

£7.78m

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

Net assets

£10.1m

+267% from £2.76m

Cash at bank

£16.7m

−17% from £20.1m

Assets and liabilities

In the full report: all 5 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.

Accounts filed at Companies House for company 12472034. 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

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

Key events (10) All events (28)

2023

24 March 2023

  • Fintern Finance Holdings Ltd took control (75–100% of shares)
  • Fintern Holdings Ltd gave up control

Companies House

2022

15 December 2022

  • Cong He stopped being a part-owner
  • Fintern Holdings Ltd took control (75–100% of shares)
  • Gerald Chappell stopped being a part-owner

Companies House

2021

9 February 2021

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

FCA register

2020

19 February 2020

  • Incorporated at Companies House
  • Cong He became a part-owner (25–50% of shares)
  • Gerald Chappell became a part-owner (25–50% of shares)

Companies House

In the full report: all 28 events

  • All 28 events in its history (10 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Fintern

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

connected firms
2
share its phone number
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Fintern

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 Fintern

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
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 28 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fintern Ltd FCA authorised?
Yes, Fintern Ltd (FRN 929244) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2021 and works as a lender. The FCA has placed no limits on its permissions.
What is Fintern’s phone number and website?
The FCA register lists the phone number 020 3443 8881 and the website getabound.com for Fintern. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Fintern a scam or clone?
Fintern 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 Fintern?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Fintern handles your money, so check the specific product before you commit. You can also refer complaints about Fintern to the Financial Ombudsman Service, free of charge.
Who owns Fintern?
Fintern is owned by Fintern Finance Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 24 March 2023. Before that, it was controlled by Fintern Holdings Ltd, Gerald Chappell and Dr Cong He.
Who runs Fintern?
Companies House lists 2 directors of Fintern: Cong He (Dr) and Gerald Chappell.
How long has Fintern been in business?
The company was formed on 19 February 2020, and has held its current FCA authorisation since February 2021.
What do Fintern’s latest accounts show?
Its latest accounts, to 28 February 2025, show turnover of £25.5m (not compared: the previous accounts cover a different length of time) and profit before tax of £7.78m (not compared: the previous accounts cover a different length of time).
Does Fintern use any other names?
It trades as Abound, Abound Loans and CrediSphere.

Sources and links

The full report on Fintern Ltd

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