Flex Financial Services Limited

Reference number: 1054878

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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

    Dowgate Hill House, 14-16 Dowgate Hill, London, EC4R 2SU, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode EC4R 2SU
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Other names (1)

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

  • Flex Lending 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
15832524
Company status
Active
Company type
Private limited company
Incorporated
11 July 2024 (2 years old)
Registered office
Hallswelle House, 1 Hallswelle Road, London, NW11 0DH, United Kingdom
Nature of business
  • Buying and selling of own real estate (SIC 68100)
  • Other letting and operating of own or leased real estate (SIC 68209)
  • Management of real estate on a fee or contract basis (SIC 68320)

Directors and company secretaries

Name Role Born Appointed Other companies
Haydn Fletcher Thomas Evans Director Feb 1992 11 Jul 2024 4 other companies
Daniel Owen Whebell Director May 1985 11 Jul 2024 2 other companies

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 companies
6
closed down
1
still active
5

In the full report: all 6 companies, 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

9 months to 31 March 2025Small company accountsNot audited

Net assets

−£520

No earlier figure to compare

Cash at bank

£5,140

No earlier figure to compare

Employees (average)

4

No earlier figure to compare

Owed within a year

£167k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £520 more than it owned.

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 15832524. 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 Financial Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (11)

2026

13 April 2026

  • Registered with the FCA

FCA register

2025

2 April 2025

  • Cicero Holdings Limited became a part-owner (25–50% of shares)
  • Daniel Owen Whebell stopped being a part-owner
  • Haydn Evans stopped being a part-owner
  • Htfe Capital Lltd became a part-owner (25–50% of shares)

Companies House

2024

11 July 2024

  • Incorporated at Companies House
  • Daniel Owen Whebell became a part-owner (25–50% of shares)
  • Haydn Evans became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (8 shown here)
  • Every director appointment and resignation: 2
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Get the full report on Flex Financial Services

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

  • 6 other companies its directors have run, named
  • 1 background check on its contact details
  • All 11 events in its history

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Frequently asked questions about this firm

Is Flex Financial Services Limited FCA authorised?
Flex Financial Services Limited (FRN 1054878) 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 Financial Services a scam or clone?
Flex Financial Services 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 Financial Services?
Money you hand to Flex Financial Services 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 Financial Services?
Companies House lists 2 people with significant control of Flex Financial Services: Cicero Holdings Limited (25–50% of shares) and Htfe Capital Lltd (25–50% of shares). Before that, it was controlled by Haydn Evans and Mr Daniel Owen Whebell.
Who runs Flex Financial Services?
Companies House lists 2 directors of Flex Financial Services: Haydn Fletcher Thomas Evans and Daniel Owen Whebell.
How long has Flex Financial Services been in business?
The company was formed on 11 July 2024.
What do Flex Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£520 (no earlier figure to compare) and cash at bank of £5,140 (no earlier figure to compare).
Does Flex Financial Services use any other names?
It trades as Flex Lending.

Sources and links

The full report on Flex Financial Services Limited

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