London Financial Guarantees PLC

Reference number: 580256

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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

  • Phone number

    07412 245566

  • Address

    Devonshire House Office AX/AD, 582 Honeypot Lane, London, Stanmore, HA7 1JS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07412 245566 is
  • Who else gives the postcode HA7 1JS
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Other names (3)

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

  • London Financial Guarantes Trading name
  • Adatto Financial Services PLC Former name
  • Adatto Insurance Services Plc Former 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
07185920
Company status
Active
Company type
Public limited company
Incorporated
11 March 2010 (16 years old)
Registered office
Devonshire House Office Ax/Lfg, 582, Honeypot Lane, Stanmore, HA7 1JS, England
Nature of business
  • Activities of financial services holding companies (SIC 64205)
  • Other credit granting not elsewhere classified (SIC 64929)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Ohinene Laetitia Flavie Doua Director Jan 1992 7 Aug 2024 13 other companies
Samuele Tumminello Director Apr 1980 1 Apr 2026 None
Ax Advantix Secretary Ltd Secretary Not published 1 Jun 2025 –

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
13
closed down
3
still active
10

In the full report: all 13 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
  • All 13 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Dormant company accountsNot audited

Net assets

£574.6m

+130% from £250.0m

Cash at bank

£574.6m

+130% from £250.0m

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

In the full report: all 7 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 07185920. Figures are exactly as filed; nothing is estimated.

Key dates in its history

London Financial Guarantees’s history from the FCA register and Companies House, newest first.

Key events (9) All events (34)

2025

1 February 2025

  • Nbc Technologies Holding Inc. took control (75–100% of shares)
  • Paybanqo Services Ltd gave up control

Companies House

2023

14 December 2023

  • Changed its registered name from "Adatto Financial Services PLC"

FCA register

15 March 2023

  • Adler Limited no longer has significant control
  • Paybanqo Services Ltd took control (75–100% of shares)

Companies House

2018

20 December 2018

  • Changed its registered name from "Adatto Insurance Services Plc"

FCA register

2016

6 April 2016

  • Adler Limited gained significant control

Companies House

2012

25 May 2012

  • Registered with the FCA

FCA register

2010

11 March 2010

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (9 shown here)
  • Every director appointment and resignation: 24
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Get the full report on London Financial Guarantees

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

  • 13 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 34 events in its history

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Frequently asked questions about this firm

Is London Financial Guarantees PLC FCA authorised?
London Financial Guarantees PLC (FRN 580256) 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.
What is London Financial Guarantees’ phone number?
The FCA register lists the phone number 07412 245566 for London Financial Guarantees. If you were given different contact details, use these to check with the firm before going any further.
Is London Financial Guarantees a scam or clone?
London Financial Guarantees 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 London Financial Guarantees?
Money you hand to London Financial Guarantees 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 London Financial Guarantees?
London Financial Guarantees is owned by Nbc Technologies Holding Inc., which holds 75–100% of shares, since 1 February 2025. Before that, it was controlled by Adler Limited and Paybanqo Services Ltd.
Who runs London Financial Guarantees?
Companies House lists 2 directors of London Financial Guarantees: Ohinene Laetitia Flavie Doua and Samuele Tumminello.
How long has London Financial Guarantees been in business?
The company was formed on 11 March 2010.
What do London Financial Guarantees’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £574.6m (+130% from £250.0m) and cash at bank of £574.6m (+130% from £250.0m).
Does London Financial Guarantees use any other names?
It trades as London Financial Guarantes. It has previously used 2 other names: Adatto Financial Services PLC and Adatto Insurance Services Plc.

Sources and links

The full report on London Financial Guarantees PLC

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