In-Sync Credit Services Limited

Reference number: 724364

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When insyncgroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 01252 704030 is, and the other firm that gives it
  • Who else gives the postcode GU9 7XX
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Other names (1)

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

  • SubMe Limited Former name

FCA permissions and consumer protection

  • Payments & e-money Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Lend or arrange credit · Hire out goods to consumers No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Credit Broking
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
08262629
Company status
Active
Company type
Private limited company
Incorporated
22 October 2012 (14 years old)
Registered office
4 The Millennium Centre, Crosby Way, Farnham, Surrey, GU9 7XX, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Frank Bell Director Mar 1951 24 Oct 2012 7 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
7
closed down
4
is FCA-registered
1

In the full report: all 7 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, including one no longer authorised
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsAudited

Total equity

−£497k

Down £37.7k from −£460k

Cash at bank

£895

−93% from £12.5k

Employees (average)

2

Same as 2

Owed within a year

£859k

−12% from £974k

Total equity is negative: on its last balance sheet the company owed £497k more than it owned.

* Cash at bank usually includes customers’ money.

Total equity

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.

Accounts filed at Companies House for company 08262629. Figures are exactly as filed; nothing is estimated.

Key dates in its history

In-Sync Credit Services’s history from the FCA register and Companies House, newest first.

Key events (15) All events (24)

2025

24 November 2025

  • Frank Bell no longer has significant control

Companies House

21 November 2025

  • In-Sync Group Limited took control (75–100% of shares)

Companies House

2024

31 August 2024

  • Greg Kitchen no longer has significant control

Companies House

26 April 2024

  • Malcolm Oliver no longer has significant control

Companies House

2023

3 January 2023

  • No longer supervised by HMRC

FCA register

2021

31 October 2021

  • Ashwin Gucharan Juneja no longer has significant control

Companies House

2018

14 November 2018

  • Supervised by HMRC under the money laundering rules from this date

FCA register

2017

30 January 2017

  • Changed its registered name from "SubMe Limited"

FCA register

2016

27 July 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

1 June 2016

  • Ashwin Gucharan Juneja gained significant control
  • Frank Bell gained significant control
  • Greg Kitchen gained significant control
  • Malcolm Oliver gained significant control

Companies House

2012

22 October 2012

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (15 shown here)
  • Every director appointment and resignation: 7
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Firms connected to In-Sync Credit Services

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like In-Sync Credit Services

Other firms of the same type (lender), nearest first.

In Farnham

Gibson H LimitedFarnhamAuthorisedMacNev LimitedFarnhamAuthorisedWorld Wide Carpets LimitedFarnhamAuthorised

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 In-Sync Credit Services

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 24 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is In-Sync Credit Services Limited FCA authorised?
Yes, In-Sync Credit Services Limited (FRN 724364) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is In-Sync Credit Services’ phone number and website?
The FCA register lists the phone number 01252 704030 and the website insyncgroup.co.uk for In-Sync Credit Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is In-Sync Credit Services a scam or clone?
In-Sync Credit Services 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 In-Sync Credit Services?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about In-Sync Credit Services to the Financial Ombudsman Service, free of charge.
Who owns In-Sync Credit Services?
In-Sync Credit Services is owned by In-Sync Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 21 November 2025. Before that, it was controlled by Mr Ashwin Gucharan Juneja, Mr Greg Kitchen and Mr Malcolm Oliver.
Who runs In-Sync Credit Services?
Companies House lists one director of In-Sync Credit Services: Frank Bell.
How long has In-Sync Credit Services been in business?
The company was formed on 22 October 2012, and has held its current FCA authorisation since July 2016.
What do In-Sync Credit Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of −£497k (down £37.7k from −£460k) and cash at bank of £895 (−93% from £12.5k).
Does In-Sync Credit Services use any other names?
It has previously used the name SubMe Limited.

Sources and links

The full report on In-Sync Credit Services Limited

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