TFBN Services Ltd

Reference number: 1035379

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Authorised by the FCA

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

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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

  • Phone number

    07786 708175

  • Address

    Blackwell House, Guildhall Yard, Guildhall Yard, London, EC2V 5AE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07786 708175 is
  • Who else gives the postcode EC2V 5AE
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Other names (3)

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

  • Avarda Trading name
  • Avarda UK Trading name
  • TFBN Services Limited Former 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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Lending to self-employed borrowers
    Limited to entering into regulated credit agreements as lender with borrowers who are not self‑-employed at the time the regulated credit agreements are entered into

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
15924773
Company status
Active
Company type
Private limited company
Incorporated
29 August 2024 (2 years old)
Registered office
15 Theed Street, London, SE1 8ST, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Edward Brown Director Sep 1975 24 Sep 2024 1 other company
Matthew Edward John Carter Director Nov 1972 10 Feb 2025 None

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
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Filed accounts and finances

16 months to 31 December 2025Small company accountsNot audited

Net assets

£1.33m

No earlier figure to compare

Cash at bank

£824k

No earlier figure to compare

Employees (average)

4

No earlier figure to compare

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 15924773. 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

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

Key events (7) All events (15)

2026

27 March 2026

  • Changed its registered name from "TFBN Services Limited"

FCA register

26 March 2026

  • Regulated by the FCA from this date
  • Changed its registered name from "TFBN Services Ltd"
  • FCA imposed a requirement (Lending to self-employed borrowers)
  • Became authorised by the FCA

FCA register

2024

29 August 2024

  • Incorporated at Companies House
  • Avarda Bank Ab took control (75–100% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms connected to TFBN Services

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like TFBN Services

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 TFBN Services

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
  • All 15 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is TFBN Services Ltd FCA authorised?
Yes, TFBN Services Ltd (FRN 1035379) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2026 and works as a lender. The FCA has placed a limit on what it may do.
What is TFBN Services’ phone number?
The FCA register lists the phone number 07786 708175 for TFBN Services. If you were given different contact details, use these to check with the firm before going any further.
Is TFBN Services a scam or clone?
TFBN 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 TFBN Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how TFBN Services handles your money, so check the specific product before you commit. You can also refer complaints about TFBN Services to the Financial Ombudsman Service, free of charge.
Who owns TFBN Services?
TFBN Services is owned by Avarda Bank Ab, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 August 2024.
Who runs TFBN Services?
Companies House lists 2 directors of TFBN Services: Stephen Edward Brown and Matthew Edward John Carter.
How long has TFBN Services been in business?
The company was formed on 29 August 2024, and has held its current FCA authorisation since March 2026.
What do TFBN Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.33m (no earlier figure to compare) and cash at bank of £824k (no earlier figure to compare).
Does TFBN Services use any other names?
It trades as Avarda and Avarda UK. It has previously used the name TFBN Services Limited.

Sources and links

The full report on TFBN Services Ltd

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