Sabini Commercial Finance Limited

Reference number: 672858

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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.
  • Sabini Commercial Finance Limited (FRN 672858) is an AR of AFS Compliance Ltd (FRN 625035). When you use Sabini Commercial Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sabini 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

    07756 615948

  • Address

    Office 25, Lodge House, Lodge Park Business Centre, Lodge Lane, Langham, Colchester, CO4 5NE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07756 615948 is
  • Who else gives the postcode CO4 5NE
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Other names (2)

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

  • Asset Finance Solutions Trading name
  • Michael Sabini Ltd Former 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
08334887
Company status
Active
Company type
Private limited company
Incorporated
18 December 2012 (13 years old)
Registered office
Lodge Park Lodge Lane, Langham, Colchester, Essex, CO4 5NE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gianni Paul Sabini Director Jan 1999 24 Aug 2022 1 other company
Ellie Kathleen Penalver Director Apr 1996 13 Jan 2026 None

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 company
1
closed down
1

In the full report: all 1 company, 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 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Total equity

£71.5k

<1% from £71.6k

Cash at bank

£63.4k

−19% from £78.7k

Owed within a year

£24.2k

−17% from £29.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

Accounts filed at Companies House for company 08334887. 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

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

Key events (9) All events (20)

2026

1 July 2026

  • Ellie Kathleen Penalver became a part-owner (25–50% of shares)

Companies House

2024

31 March 2024

  • Judith Leigh Sabini stopped being a part-owner
  • Michael George Edward Sabini stopped being a part-owner

Companies House

30 January 2024

  • Changed its registered name from "Michael Sabini Ltd"

FCA register

2022

24 August 2022

  • Gianni Paul Sabini became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Judith Leigh Sabini became a part-owner (25–50% of shares)
  • Michael George Edward Sabini became a part-owner (25–50% of shares)

Companies House

2015

20 February 2015

  • Became an appointed representative

FCA register

2012

18 December 2012

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms like Sabini Commercial Finance

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

In Colchester

Andromeda Specialist Finance LtdColchesterAppointed representativeAnglian Mortgage Services LimitedColchesterAppointed representativeColchester Mortgage Solutions LtdColchesterAppointed representativeDarren LeggettColchesterAppointed representativeDavid and Partners Financial Services LimitedColchesterAppointed representativeEast Coast Mortgage LtdColchesterAppointed 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 Sabini Commercial Finance

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Sabini Commercial Finance Limited FCA authorised?
Sabini Commercial Finance Limited (FRN 672858) 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 Sabini 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. Sabini Commercial Finance Limited (FRN 672858) is an AR of AFS Compliance Ltd (FRN 625035). When you use Sabini Commercial Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sabini 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 Sabini Commercial Finance’s phone number?
The FCA register lists the phone number 07756 615948 for Sabini Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Sabini Commercial Finance a scam or clone?
Sabini 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 Sabini Commercial Finance?
Protection works through AFS Compliance Ltd, the principal firm responsible for Sabini Commercial Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sabini Commercial Finance?
Companies House lists 2 people with significant control of Sabini Commercial Finance: Miss Ellie Kathleen Penalver (25–50% of shares) and Mr Gianni Paul Sabini (25–50% of shares). Before that, it was controlled by Mrs Judith Leigh Sabini and Mr Michael George Edward Sabini.
Who runs Sabini Commercial Finance?
Companies House lists 2 directors of Sabini Commercial Finance: Gianni Paul Sabini and Ellie Kathleen Penalver.
How long has Sabini Commercial Finance been in business?
The company was formed on 18 December 2012.
What do Sabini Commercial Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £71.5k (<1% from £71.6k) and cash at bank of £63.4k (−19% from £78.7k).
Does Sabini Commercial Finance use any other names?
It trades as Asset Finance Solutions. It has previously used the name Michael Sabini Ltd.

Sources and links

The full report on Sabini Commercial Finance Limited

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