Impact Commercial Finance Limited

Reference number: 821063

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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.

Responsible principal firm

AFS Compliance Ltd Reference number: 625035 Authorised 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.
  • Impact Commercial Finance Limited (FRN 821063) is an AR of AFS Compliance Ltd (FRN 625035). When you use Impact Commercial Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Impact Commercial Finance, 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.

  • No website on the FCA register

  • Phone number

    07515 595628

  • Address

    3rd Floor, St. Nicholas Street, Bristol, Somerset, BS1 1TG, United Kingdom

In the full report: 2 background checks

  • What kind of line 07515 595628 is
  • Who else gives the postcode BS1 1TG
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Other names (1)

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

  • Asset Finance Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through AFS Compliance Ltd, 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, free
    You 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
08018322
Company status
Active
Company type
Private limited company
Incorporated
3 April 2012 (14 years old)
Registered office
1 The Sheepcote Monks Orchard, Lumber Lane, Lugwardine, Herefordshire, HR1 4AG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil James Smith Director Jun 1973 3 Apr 2012 2 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
2
closed down
1
is FCA-registered
1

In the full report: all 2 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
  • The one on the FCA register
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£71.4k

−19% from £88.6k

Employees (average)

1

Same as 1

Owed within a year

£63.2k

+7.7% from £58.7k

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
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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 08018322. 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

Impact Commercial Finance’s history from the FCA register and Companies House, newest first.

2022

28 March 2022

  • Began trading as "Asset Finance Solutions"

FCA register

2018

17 September 2018

  • Became an appointed representative

FCA register

2017

1 March 2017

  • Neil James Smith took control (75–100% of shares)

Companies House

2012

3 April 2012

  • Incorporated at Companies House
  • Neil James Smith appointed as a director

Companies House

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

Firms connected to Impact Commercial Finance

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

connected firm
1
share its postcode
1
past link
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
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Firms like Impact Commercial Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Bristol

Advise and Protect LimitedBristolAppointed representativeAlko Mortgages LtdBristolAppointed representativeAlternative Business Funding LimitedBristolAppointed representativeAmar SinghBristolAppointed representativeAmberley Financial Services LimitedBristolAppointed representativeAndy Rooke Financial Consultancy LimitedBristolAppointed representative

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 Impact Commercial Finance

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Impact Commercial Finance Limited FCA authorised?
Impact Commercial Finance Limited (FRN 821063) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Impact Commercial Finance?
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. Impact Commercial Finance Limited (FRN 821063) is an AR of AFS Compliance Ltd (FRN 625035). When you use Impact Commercial Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Impact Commercial Finance, 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.
What is Impact Commercial Finance’s phone number?
The FCA register lists the phone number 07515 595628 for Impact Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Impact Commercial Finance a scam or clone?
Impact Commercial Finance 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 Impact Commercial Finance?
Protection works through AFS Compliance Ltd, the principal firm responsible for Impact Commercial Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Impact Commercial Finance?
Companies House lists one person with significant control of Impact Commercial Finance: Mr Neil James Smith (75–100% of shares).
Who runs Impact Commercial Finance?
Companies House lists one director of Impact Commercial Finance: Neil James Smith.
How long has Impact Commercial Finance been in business?
The company was formed on 3 April 2012.
What do Impact Commercial Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £71.4k (−19% from £88.6k).
Does Impact Commercial Finance use any other names?
It trades as Asset Finance Solutions.

Sources and links

The full report on Impact Commercial Finance Limited

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