Posfin Capital Limited

Reference number: 913022

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Authorised, but in a compromise arrangement

This firm has a formal arrangement with its creditors, which can limit what customers are able to recover from it. Check how it affects you before acting.

What the FCA says

ATTENTION - Firm in a compromise arrangement

This firm has entered into a statutory compromise arrangement with its creditors and/or shareholders. This means it has entered into an arrangement with its creditors and/or shareholders which has altered the rights and obligations of the parties. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. Firms enter into a compromise arrangement for various reasons, so if you are a customer check with the firm to determine whether the compromise arrangement affects you.

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

    Richard Bloomfield and Hayley Watson of FRP Advisory Trading Limited, Dencora Court, 2 Meridian Way, Norwich, NR7 0TA, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode NR7 0TA
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Other names (5)

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

  • Posfin Trading name
  • Posfin Investments Trading name
  • ONIVA Former trading name
  • Posfin Export Finance Former trading name
  • WeBuyCommercial Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit 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 (1 permission)
  • Credit Broking

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
12148846
Company status
Active
Company type
Private limited company
Incorporated
9 August 2019 (7 years old)
Registered office
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Byron Clifford Hill Director Mar 1980 9 Aug 2019 16 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
16
closed down
13
still active
3

In the full report: all 16 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

−£97.4k

Up £70.2k from −£168k

Cash at bank

£1,900

Up £1,899 from £1

Employees (average)

2

Same as 2

Owed within a year

£190k

+22% from £156k

Net assets are negative: on its last balance sheet the company owed £97.4k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 12148846. 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

Posfin Capital’s history from the FCA register and Companies House, newest first.

Key events (4) All events (20)

2020

13 March 2020

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

FCA register

2019

9 August 2019

  • Incorporated at Companies House
  • Byron Hill took control (75–100% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (4 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Posfin Capital

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Posfin Capital

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

In Norwich

Anthony HydeNorwichAuthorisedAudeo FS LimitedNorwichAuthorisedC J Ball & SonNorwichAuthorisedDowntide CaravansNorwichAuthorisedMark Andrew CarterNorwichAuthorisedMr Shane SadlerNorwichAuthorised

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 Posfin Capital

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

  • 16 other companies its directors have run, named
  • 1 background check on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Posfin Capital Limited FCA authorised?
Yes, Posfin Capital Limited (FRN 913022) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2020 and works as a credit broker. The FCA has placed no limits on its permissions.
Is Posfin Capital a scam or clone?
Posfin Capital 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 Posfin Capital?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Posfin Capital handles your money, so check the specific product before you commit. You can also refer complaints about Posfin Capital to the Financial Ombudsman Service, free of charge.
Who owns Posfin Capital?
Companies House lists one person with significant control of Posfin Capital: Byron Hill (75–100% of shares).
Who runs Posfin Capital?
Companies House lists one director of Posfin Capital: Byron Clifford Hill.
How long has Posfin Capital been in business?
The company was formed on 9 August 2019, and has held its current FCA authorisation since March 2020.
What do Posfin Capital’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of −£97.4k (up £70.2k from −£168k) and cash at bank of £1,900 (up £1,899 from £1).
Does Posfin Capital use any other names?
It trades as Posfin and Posfin Investments. It has previously used 3 other names: ONIVA, Posfin Export Finance and WeBuyCommercial.

Sources and links

The full report on Posfin Capital Limited

£19.99 · Instant PDF download

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