SWiTCH&SAVE BUSINESS SERVICES LTD

Reference number: 1052230

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 switch-and-save.uk first appeared online, and whether it can receive email
  • What kind of line 07340 529757 is
  • Who else gives the postcode B23 7AB
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Other names (2)

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

  • Zivaro Trading name
  • SSPOS Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (1 permission)
  • Credit Broking

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
15051352
Company status
Active
Company type
Private limited company
Incorporated
5 August 2023 (3 years old)
Registered office
16 Sandpiper Way, Erdington, Birmingham, B23 5GF, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Saima Ashraf Director Dec 1986 5 Aug 2023 None
Aamir Ali Director Jul 1987 1 Nov 2023 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£1,112

−68% from £3,495

Cash at bank

£3,394

No earlier figure to compare

Employees (average)

3

+50% from 2

Owed within a year

£14.0k

+265% from £3,827

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.

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

Accounts filed at Companies House for company 15051352. 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

SWiTCH&SAVE BUSINESS SERVICES’s history from the FCA register and Companies House, newest first.

Key events (4) All events (12)

2026

8 June 2026

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2023

5 August 2023

  • Incorporated at Companies House
  • Saima Ashraf took control (75–100% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like SWiTCH&SAVE BUSINESS SERVICES

Other firms of the same type (credit broker), nearest first.

In Birmingham

Midland Heart LtdBirminghamAuthorisedBartley Green CommercialsBirminghamAuthorisedCrediCar LimitedBirminghamAuthorisedCVS Financial Planning LtdBirminghamAuthorisedDr R K Farmah, Dr K K Farmah & S K FarmahBirminghamAuthorisedEdgintons of InkfordBirminghamAuthorised

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 SWiTCH&SAVE BUSINESS SERVICES

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
  • 3 background checks on its contact details
  • All 12 events in its history

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Frequently asked questions about this firm

Is SWiTCH&SAVE BUSINESS SERVICES LTD FCA authorised?
Yes, SWiTCH&SAVE BUSINESS SERVICES LTD (FRN 1052230) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2026 and works as a credit broker. The FCA has placed no limits on its permissions.
What is SWiTCH&SAVE BUSINESS SERVICES’ phone number and website?
The FCA register lists the phone number 07340 529757 and the website switch-and-save.uk for SWiTCH&SAVE BUSINESS SERVICES. If you were given different contact details, use these to check with the firm before going any further.
Is SWiTCH&SAVE BUSINESS SERVICES a scam or clone?
SWiTCH&SAVE BUSINESS SERVICES 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 SWiTCH&SAVE BUSINESS SERVICES?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how SWiTCH&SAVE BUSINESS SERVICES handles your money, so check the specific product before you commit. You can also refer complaints about SWiTCH&SAVE BUSINESS SERVICES to the Financial Ombudsman Service, free of charge.
Who owns SWiTCH&SAVE BUSINESS SERVICES?
Companies House lists one person with significant control of SWiTCH&SAVE BUSINESS SERVICES: Miss Saima Ashraf (75–100% of shares).
Who runs SWiTCH&SAVE BUSINESS SERVICES?
Companies House lists 2 directors of SWiTCH&SAVE BUSINESS SERVICES: Saima Ashraf and Aamir Ali.
How long has SWiTCH&SAVE BUSINESS SERVICES been in business?
The company was formed on 5 August 2023, and has held its current FCA authorisation since June 2026.
What do SWiTCH&SAVE BUSINESS SERVICES’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £1,112 (−68% from £3,495) and cash at bank of £3,394 (no earlier figure to compare).
Does SWiTCH&SAVE BUSINESS SERVICES use any other names?
It trades as Zivaro. It has previously used the name SSPOS.

Sources and links

The full report on SWiTCH&SAVE BUSINESS SERVICES LTD

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