Flex Capital Ltd: FCA regulated?

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.

Registered for under a year
No FCA actions
Active company since 2025

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

FLEX CAPITAL LTD, Unit 9 Brenton Business Complex, Bond Street, Bury, BL9 7BE, United Kingdom

In the full report: 1 background check

Who else gives the postcode BL9 7BE

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: 16885658 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 December 2025 (less than a year old)
Registered office: Unit 9 Brenton Business Complex, Bond Street, Bury, BL9 7BE, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Shimon Yakov Smith	Director	Aug 1994	2 Dec 2025	3 other companies

Other companies run by its director

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: 3
still active: 3

In the full report: all 3 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration

Key dates in its history

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

2026

10 February 2026

Olivecap Holdings Ltd took control (75–100% of shares)
Shimon Yakov Smith gave up control

Companies House

2025

31 December 2025

Registered with the FCA

FCA register

2 December 2025

Incorporated at Companies House
Shimon Yakov Smith took control (75–100% of shares)
Shimon Yakov Smith appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Flex Capital

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

connected firms: 2
no longer authorised: 1
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

Get the full report on Flex Capital

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

3 other companies its directors have run, named
1 background check on its contact details
All 6 events in its history
2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Flex Capital Ltd FCA authorised?

Flex Capital Ltd (FRN 1047643) 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 Capital a scam or clone?

Flex Capital 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 Capital?

Money you hand to Flex Capital 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 Capital?

Flex Capital is owned by Olivecap Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 February 2026. Before that, it was controlled by Mr Shimon Yakov Smith.

Who runs Flex Capital?

Companies House lists one director of Flex Capital: Shimon Yakov Smith.

How long has Flex Capital been in business?

The company was formed on 2 December 2025.