Silver Birch Finance Limited

Reference number: 965240

Instant download

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    85 Gresham Street, LONDON, EC2V 7NQ, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode EC2V 7NQ
Instant PDF download

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This 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
13362558
Company status
Active
Company type
Private limited company
Incorporated
28 April 2021 (5 years old)
Registered office
C/O Tc Citroen Wells Limited, 5th Floor, 3 Dorset Rise, London, EC4Y 8EN, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy Lawrence Armstrong Director Sep 1968 28 Apr 2021 21 other companies
John Richard Goodridge Director Oct 1967 28 Apr 2021 26 other companies
Sean Denis Robson-Hanafin Director Jan 1972 28 Apr 2021 25 other companies
Luanna Maree Schultz Secretary Not published 31 Mar 2026 –

Other companies run by these 3 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 companies
34
closed down
6
went insolvent
1

In the full report: all 34 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 3 on the FCA register
  • The 21 companies these 3 directors run together
  • All 5 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 30 April 2025Full accountsAudited

Net assets

−£10.2m

Down £914k from −£9.30m

Cash at bank

£107k

−73% from £399k

Owed within a year

£1.26m

+115% from £585k

Net assets are negative: on its last balance sheet the company owed £10.2m more than it owned.

Assets and liabilities

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 13362558. 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

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

Key events (3) All events (10)

2022

17 January 2022

  • Registered with the FCA

FCA register

2021

28 April 2021

  • Incorporated at Companies House
  • Silver Birch Finance Holdings Limited 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: 7
Instant PDF download

Firms connected to Silver Birch Finance

Other FCA-listed firms that share a director, phone number or address with Silver Birch Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
2
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
Instant PDF download

Get the full report on Silver Birch Finance

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

  • 34 other companies its directors have run, named
  • 1 background check on its contact details
  • All 10 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Silver Birch Finance Limited FCA authorised?
Silver Birch Finance Limited (FRN 965240) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is Silver Birch Finance a scam or clone?
Silver Birch Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Silver Birch Finance?
Money you hand to Silver Birch Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Silver Birch Finance?
Silver Birch Finance is owned by Silver Birch Finance Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 28 April 2021.
Who runs Silver Birch Finance?
Companies House lists 3 directors of Silver Birch Finance: Timothy Lawrence Armstrong, John Richard Goodridge and Sean Denis Robson-Hanafin.
How long has Silver Birch Finance been in business?
The company was formed on 28 April 2021.
What do Silver Birch Finance’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of −£10.2m (down £914k from −£9.30m) and cash at bank of £107k (−73% from £399k).

Sources and links

The full report on Silver Birch Finance Limited

£19.99 · Instant PDF download

Loading secure checkout…