FS4U Ltd
Reference number: 967091
Instant download
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.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 August 2025
Responsible principal firm
Crystal Business Finance Limited Reference number: 653671 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.
- FS4U Ltd (FRN 967091) is an AR of Crystal Business Finance Limited (FRN 653671). When you use FS4U's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from FS4U, 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.
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Phone number
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Address
39 Hopps Road, Bristol, South Gloucestershire, BS15 9QQ, United Kingdom
In the full report: 3 background checks
- When crystalbf.co.uk first appeared online, and whether it can receive email
- What kind of line 07775 923269 is
- Who else gives the postcode BS15 9QQ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Crystal Business Finance - SW Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Crystal Business Finance Limited, 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, freeYou 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
- 12166774 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 August 2019 (7 years old)
- Registered office
- Charnwood House, Marsh Road, Bristol, BS3 2NA, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Samantha Bilo | Director | Jun 1975 | 21 Aug 2019 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£36.0k
Up £35.9k from £133
Cash at bank
£59.4k
+691% from £7,508
Employees (average)
3
−25% from 4
Owed within a year
£34.0k
+54% from £22.1k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 12166774. 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
Fs4u’s history from the FCA register and Companies House, newest first.
2022
7 January 2022
- Became an appointed representative
- Began trading as "Crystal Business Finance - SW"
FCA register
2019
21 August 2019
- Incorporated at Companies House
- Samantha Bilo took control (75–100% of shares)
- Samantha Bilo appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Fs4u
Other firms of the same type (credit broker), nearest first.
In Bristol
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 Fs4u
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
- 6 years of accounts, charted
- All 5 events in its history
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Frequently asked questions about this firm
Is FS4U Ltd FCA authorised?
What does appointed representative mean for Fs4u?
What is Fs4u’s phone number and website?
Is Fs4u a scam or clone?
Is my money safe with Fs4u?
Who owns Fs4u?
Who runs Fs4u?
How long has Fs4u been in business?
What do Fs4u’s latest accounts show?
Does Fs4u use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk