FINTECH ADVISORY LIMITED

Risk Rating: MEDIUM
The company demonstrates strong regulatory compliance and longevity, but the absence of filed financial data limits our ability to fully assess solvency and liquidity. The rating reflects the information gap rather than any known adverse event.

Key Concerns

1. Lack of Financial Transparency – As a “Small” company, FINTECH ADVISORY LIMITED files reduced accounts which may not include a profit and loss account or detailed balance sheet. Without these figures, we cannot verify working capital, profitability, or net asset position. The nominal £1 share capital is not indicative of actual equity. This prevents an independent verification of the company’s ability to meet its obligations.
2. Key Person Concentration – Xxxxxx Xxxxxxxxname shown to subscribers serves as the sole director and holds more than 75% of shares and voting rights, with the right to appoint and remove directors. This creates significant dependence on one individual. His absence, incapacity, or loss of confidence could materially disrupt the business or decision-making.
3. Broad Business Classification – The SIC code (82990 – other business support services) is generic and does not clarify the actual revenue model or market niche. “Fintech Advisory” suggests a consulting role in financial technology, but without further disclosure it is difficult to evaluate product/service demand, competitive position, or regulatory exposure (e.g. whether any FCA permissions are required).

Positive Indicators

• Long Operational History – Incorporated in February 1997, the company has remained active for nearly three decades, which suggests resilience and an ability to adapt.
• Good Filing Compliance – Both accounts and confirmation statement are up to date with no overdue filings. There is no indication of liquidation, administration, or receivership.
• Simple Corporate Structure – A private limited company with one director and a corporate secretary, indicating low organisational complexity and potentially lower governance risk.

Due Diligence Notes

• Obtain the latest full or abridged financial statements (as filed at Companies House) to review turnover, profit/loss, current assets/liabilities, and shareholders’ funds.
• Verify Xxxxxx Xxxxxxxxname shown to subscribers’s UK director history and any previous disqualifications (none are shown in the current record, but this should be confirmed through the Insolvency Service register).
• Clarify the company’s exact services, client base, and whether any regulated activities are undertaken. If it advises on financial services, confirm the status of any FCA permissions or exemptions.
• Request details on cash reserves, debt levels, and outstanding obligations to assess short-term liquidity.
• Enquire about professional indemnity insurance and any pending legal or regulatory claims, as these are not captured in the Companies House record.

Names of the people mentioned are shown to subscribers. See subscription