Sbowling Ltd

Reference number: 927268

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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.

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.
  • SBOWLING LTD (FRN 927268) is an AR of Connect IFA Ltd (FRN 441505). When you use SBOWLING's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SBOWLING, 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.

In the full report: 3 background checks

  • When sblfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 023 9400 5420 is
  • Who else gives the postcode PO12 4BG
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Other names (5)

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

  • Ram commercial bespoke services Trading name: A name it trades under now.
  • Ram Protect bespoke insurance services Trading name: A name it trades under now.
  • Ram Secured Loans Trading name: A name it trades under now.
  • SBL Trading name: A name it trades under now.
  • SBL Financial Trading name: A name it trades under now.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Connect IFA 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 status
Active
Company type
Private limited company
Incorporated
2 October 2018 (8 years old)
Registered office
D14 Heritage Way, Gosport, PO12 4BG, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Sean Anthony Bowling Director Oct 1971 2 Oct 2018 1 other company
Lisa Bowling Director Jan 1972 1 Mar 2026 1 other company

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
still active
1
run together
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
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 October 2023Small company accountsNot audited

Net assets

£3,968

Up £3,105 from £863

Cash at bank

£4,044

+42% from £2,857

Employees (average)

2

−33% from 3

Owed within a year

£18.9k

+74% from £10.9k

Net assets

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • 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 11599666. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2020

4 June 2020

  • Became an appointed representative

FCA register

2018

2 October 2018

  • Incorporated at Companies House
  • Sean Anthony Bowling took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Firms like Sbowling

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

In Gosport

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 Sbowling

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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Sbowling Ltd FCA authorised?
Sbowling Ltd (FRN 927268) 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 Sbowling?
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. Sbowling Ltd (FRN 927268) is an AR of Connect IFA Ltd (FRN 441505). When you use Sbowling's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sbowling, 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 Sbowling’s phone number and website?
The FCA register lists the phone number 023 9400 5420 and the website sblfinancial.co.uk for Sbowling. If you were given different contact details, use these to check with the firm before going any further.
Is Sbowling a scam or clone?
Sbowling 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 Sbowling?
Protection works through Connect IFA Ltd, the principal firm responsible for Sbowling's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sbowling?
Companies House lists one person with significant control of Sbowling: Sean Anthony Bowling (75–100% of shares).
Who runs Sbowling?
Companies House lists 2 directors of Sbowling: Sean Anthony Bowling and Lisa Bowling.
How long has Sbowling been in business?
The company was formed on 2 October 2018.
What do Sbowling’s latest accounts show?
Its latest accounts, to 31 October 2023, show net assets of £3,968 (up £3,105 from £863) and cash at bank of £4,044 (+42% from £2,857).
Does Sbowling use any other names?
It trades as Ram commercial bespoke services, Ram Protect bespoke insurance services, Ram Secured Loans, SBL and SBL Financial.

Sources and links

The full report on Sbowling Ltd

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