Romaco SPV 4 Limited: FCA regulated?

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.

Registered for 8 years
No FCA actions
Active company since 2017
Accounts filed up to 31 December 2025
On its latest accounts it owed £40.9k more than it owned

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
No phone number on the FCA register
Address

15 Carnarvon Street, Manchester, Lancashire, M3 1HJ, United Kingdom

In the full report: 1 background check

Who else gives the postcode M3 1HJ

Other names (1)

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

Roma Finance Trading name: A name it trades under now.

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: 11111729 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 December 2017 (8 years old)
Registered office: 15 Carnarvon Street, Manchester, M3 1HJ, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Philip Isaac Hodari	Director	Jan 1961	14 Dec 2017	94 other companies
Scott James Marshall	Director	Mar 1974	14 Dec 2017	11 other companies
Keith John Richardson	Director	Sep 1959	14 Dec 2017	72 other companies
SMART SOL SERVICES LTD	Corporate secretary	Not published	14 Mar 2019	–

Other companies run by these 3 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: 131
closed down: 65
went insolvent: 12

In the full report: all 131 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
The 12 that went into liquidation or administration
The 10 on the FCA register
The 42 companies these 3 directors run together

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Total equity

−£40.9k

Down £4,922 from −£36.0k

Cash at bank

£98

−93% from £1,427

Employees (average)

0

Same as 0

Owed within a year

£42.9k

+11% from £38.8k

Total equity is negative: on its last balance sheet the company owed £40.9k more than it owned.

Total equity

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

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 11111729. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Romaco SPV 4’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2018

21 March 2018

Registered with the FCA

FCA register

2017

14 December 2017

Incorporated at Companies House
Romaco Limited took control (75–100% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms connected to Romaco SPV 4

Other FCA-listed firms that share a director, phone number or address with Romaco SPV 4. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 10
share a director: 10
share its postcode: 10

In the full report: all 10 connected firms, named

How each is linked: shared directors (10), the same postcode (10)
Who links each one: the named directors, with dates

Get the full report on Romaco SPV 4

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

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

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Frequently asked questions about this firm

Is Romaco SPV 4 Limited FCA authorised?

Romaco SPV 4 Limited (FRN 803709) 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.

Is Romaco SPV 4 a scam or clone?

Romaco SPV 4 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 Romaco SPV 4?

Money you hand to Romaco SPV 4 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 Romaco SPV 4?

Romaco SPV 4 is owned by Romaco Limited, which holds 75–100% of shares and 75–100% of votes, since 14 December 2017.

Who runs Romaco SPV 4?

Companies House lists 3 directors of Romaco SPV 4: Philip Isaac Hodari, Scott James Marshall and Keith John Richardson.

How long has Romaco SPV 4 been in business?

The company was formed on 14 December 2017.

What do Romaco SPV 4’s latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of −£40.9k (down £4,922 from −£36.0k) and cash at bank of £98 (−93% from £1,427).

Does Romaco SPV 4 use any other names?

It trades as Roma Finance.