Flex ABL Limited

Reference number: 950999

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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

    Lake View House, Wilton Drive, Warwick, Warwickshire, CV34 6RG, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode CV34 6RG
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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
05360385
Company status
Active
Company type
Private limited company
Incorporated
10 February 2005 (21 years old)
Registered office
Five, St. Philips, Birmingham, B3 2PW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
David Mark Richards Director Aug 1965 10 Feb 2005 11 other companies
Tracey Louise Richards Director Apr 1973 5 Sep 2008 10 other companies
Kirsty Louise Ibbotson Director Sep 1991 2 Nov 2020 2 other companies
Paul Andrew Stokes Director Feb 1970 18 Jan 2021 7 other companies
Tracey Louise Richards Secretary Not published 10 Feb 2005 10 other companies

Other companies run by these 4 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
15
closed down
10
run together
11

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 11 companies these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Total equity

−£230k

Up £109k from −£339k

Cash at bank

£529k

−11% from £594k

Employees (average)

8

Same as 8

Owed within a year

£11.6m

+13% from £10.3m

Total equity is negative: on its last balance sheet the company owed £230k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 05360385. 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

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

Key events (5) All events (9)

2021

24 June 2021

  • Registered with the FCA

FCA register

2020

1 July 2020

  • Flexabl Financial Services Limited took control (75–100% of shares)
  • Partner Commercial Finance Limited gave up control

Companies House

2016

1 July 2016

  • Partner Commercial Finance Limited took control (75–100% of shares)

Companies House

2005

10 February 2005

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Get the full report on Flex ABL

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

  • 15 other companies its directors have run, named
  • 1 background check on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Flex ABL Limited FCA authorised?
Flex ABL Limited (FRN 950999) 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 Flex ABL a scam or clone?
Flex ABL 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 Flex ABL?
Money you hand to Flex ABL 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 Flex ABL?
Flex ABL is owned by Flexabl Financial Services Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 July 2020. Before that, it was controlled by Partner Commercial Finance Limited.
Who runs Flex ABL?
Companies House lists 4 directors of Flex ABL: David Mark Richards, Tracey Louise Richards, Kirsty Louise Ibbotson and Paul Andrew Stokes.
How long has Flex ABL been in business?
The company was formed on 10 February 2005.
What do Flex ABL’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of −£230k (up £109k from −£339k) and cash at bank of £529k (−11% from £594k).

Sources and links

The full report on Flex ABL Limited

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