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.
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.
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No website on the FCA register
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Phone number
-
Address
99 Long Readings Lane, Slough, SL2 1RG, United Kingdom
In the full report: 2 background checks
- What kind of line 07557 912645 is
- Who else gives the postcode SL2 1RG
Other names (1)
If you were contacted under any of these names, it is this firm.
- Jamit Limited Former name: A name it was registered under before.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis 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
- 11393409 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 June 2018 (8 years old)
- Registered office
- 99 Long Readings Lane, Slough, SL2 1RG, England
- Nature of business
-
- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gurjinder Singh Sembhi | Director | Jun 1977 | 21 Apr 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£266k
+11% from £240k
Employees (average)
0
Same as 0
Owed within a year
£497k
+94% from £256k
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
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 11393409. 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
Sembhi Loans’s history from the FCA register and Companies House, newest first.
2023
27 June 2023
- Changed its registered name from "Jamit Limited"
FCA register
21 April 2023
- Board replaced: both directors left and a new director took over
- David John Solly stopped being a part-owner
- Gurjinder Singh Sembhi took control (75–100% of shares)
- Jean Margaret Solly stopped being a part-owner
Companies House
2018
9 August 2018
- Registered with the FCA
FCA register
1 June 2018
- Incorporated at Companies House
- David John Solly became a part-owner (25–50% of shares)
- Jean Margaret Solly became a part-owner (25–50% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (9 shown here)
- Every director appointment and resignation: 5
Get the full report on Sembhi Loans
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 14 events in its history
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Frequently asked questions about this firm
Is Sembhi Loans Limited FCA authorised?
What is Sembhi Loans’ phone number?
Is Sembhi Loans a scam or clone?
Is my money safe with Sembhi Loans?
Who owns Sembhi Loans?
Who runs Sembhi Loans?
How long has Sembhi Loans been in business?
What do Sembhi Loans’ latest accounts show?
Does Sembhi Loans use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk