Sandal Finance Limited

Reference number: 720571

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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

Beneficial Ltd Reference number: 736655 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.
  • Sandal Finance Limited (FRN 720571) is an AR of Beneficial Ltd (FRN 736655). When you use Sandal Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sandal 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

    0800 121 8780

  • Address

    6 Murrayfield Way, Binley, Coventry, West Midlands, CV3 2UD, United Kingdom

In the full report: 2 background checks

  • What kind of line 0800 121 8780 is
  • Who else gives the postcode CV3 2UD
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Other names (1)

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

  • SFL Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Beneficial 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
07527408
Company status
Active
Company type
Private limited company
Incorporated
11 February 2011 (15 years old)
Registered office
Cash's Business Centre 1st Floor, 228 Widdrington Road, Coventry, West Midlands, CV1 4PB, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Rakesh Kumar Director Apr 1962 11 Feb 2011 5 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
5
still active
5

In the full report: all 5 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 30 May 2025Micro-entity accountsNot audited

Total equity

£4,529

Up £9,275 from −£4,746

Employees (average)

1

Same as 1

Owed within a year

£9,401

+19% from £7,867

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 07527408. 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

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

Key events (3) All events (7)

2016

6 April 2016

  • Rakesh Kumar took control (75–100% of shares)

Companies House

2015

14 October 2015

  • Became an appointed representative

FCA register

2011

11 February 2011

  • Incorporated at Companies House

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 3
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Firms like Sandal Finance

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

In Coventry

Amanda SinfieldCoventryAppointed representativeBalwant KhairaCoventryAppointed representativeBarnacle Home Finance LimitedCoventryAppointed representativeBizfirst LtdCoventryAppointed representativeBradley Taylor Mortgage Services LtdCoventryAppointed representativeColin McCabeCoventryAppointed 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 Sandal Finance

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

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

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Frequently asked questions about this firm

Is Sandal Finance Limited FCA authorised?
Sandal Finance Limited (FRN 720571) 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 Sandal 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. Sandal Finance Limited (FRN 720571) is an AR of Beneficial Ltd (FRN 736655). When you use Sandal Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sandal 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 Sandal Finance’s phone number?
The FCA register lists the phone number 0800 121 8780 for Sandal Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Sandal Finance a scam or clone?
Sandal 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 Sandal Finance?
Protection works through Beneficial Ltd, the principal firm responsible for Sandal Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sandal Finance?
Companies House lists one person with significant control of Sandal Finance: Mr Rakesh Kumar (75–100% of shares).
Who runs Sandal Finance?
Companies House lists one director of Sandal Finance: Rakesh Kumar.
How long has Sandal Finance been in business?
The company was formed on 11 February 2011.
What do Sandal Finance’s latest accounts show?
Its latest accounts, to 30 May 2025, show total equity of £4,529 (up £9,275 from −£4,746).
Does Sandal Finance use any other names?
It trades as SFL.

Sources and links

The full report on Sandal Finance Limited

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