Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £171k more than it owned
Responsible principal firm
SNAP FINANCE LIMITED Reference number: 741813 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- SCHAB LIMITED (FRN 948737) introduces customers to SNAP FINANCE LIMITED (FRN 741813). Any regulated advice or arranging is done by the principal, not SCHAB.
- Example: if SCHAB refers you to a financial adviser, the advice should come from the principal firm, not from SCHAB itself.
- 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.
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No website on the FCA register
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Phone number
-
Address
3 Locks Court, 429 Crofton Road, Bromley, BR6 8NL, United Kingdom
In the full report: 2 background checks
- What kind of line 07375 677447 is
- Who else gives the postcode BR6 8NL
Other names (1)
If you were contacted under any of these names, it is this firm.
- Cosmetics College Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Snap Finance Limited, 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, freeYou 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
- 13258424 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 March 2021 (5 years old)
- Registered office
- 3 Locks Court, 429 Crofton Road, Orpington, BR6 8NL, England
- Nature of business
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- Post-graduate level higher education (SIC 85422)
- Other education not elsewhere classified (SIC 85590)
- Educational support services (SIC 85600)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Charmelle Baker | Director | Dec 1989 | 11 Mar 2021 | None |
| Shaun Baker | Director | Dec 1983 | 20 Mar 2024 | 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
- 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 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£171k
−473% from £45.9k
Employees (average)
8
Same as 8
Owed within a year
£269k
+17% from £230k
Net assets are negative: on its last balance sheet the company owed £171k more than it owned.
The accounts for the year to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £40.9k, for the year to 31 March 2022.
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2022 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 13258424. 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
Schab’s history from the FCA register and Companies House, newest first.
2021
9 April 2021
- Became an introducer appointed representative
FCA register
11 March 2021
- Incorporated at Companies House
- Charmelle Baker became a part-owner (25–50% of shares)
- Shaun Baker became a part-owner (25–50% of shares)
- Shaun Baker stopped being a part-owner
Companies House
In the full report: all 10 events
- All 10 events in its history (5 shown here)
- Every director appointment and resignation: 4
Firms connected to Schab
Other FCA-listed firms that share a director, phone number or address with Schab. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Schab
Other firms of the same type (credit broker), nearest first.
In Bromley
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 Schab
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
- 4 years of accounts, charted
- All 10 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk