Affirm U.K. Limited

Reference number: 756087

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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, 1 thing worth a closer look

  • When affirm.com first appeared online, and whether it can receive email
  • What kind of line 0800 014 8879 is
  • Whether EC2R 7HJ is a shared office: 31 other firms give it
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Other names (7)

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

  • Affirm Trading name
  • Skytech Capital Ltd. Former name
  • Butter Former trading name
  • Pay Monthly Travel Former trading name
  • paymonthlytravel.com Former trading name
  • Skytech Capital Former trading name
  • Sploor 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 (3 permissions)
  • Credit Broking
  • 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)

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
10199101
Company status
Active
Company type
Private limited company
Incorporated
25 May 2016 (10 years old)
Registered office
C/O Tmf Group 13th Floor, One Angel Court, London, EC2R 7HJ, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ruth Elizabeth Spratt Director Apr 1973 1 Feb 2023 None
Katherine Elizabeth Adkins Director Sep 1962 1 Feb 2023 None
Libor Michalek Director Feb 1973 16 Apr 2024 None

In the full report: every company its directors have run

  • Confirmation that these 3 directors run no other company
  • All 6 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsAudited

Net assets

£41.6m

+504% from £6.89m

Cash at bank

£33.0m

Up £32.5m from £579k

Employees (average)

30

+30% from 23

Owed within a year

£2.49m

+296% from £630k

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
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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 10199101. 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

Affirm U.K.’s history from the FCA register and Companies House, newest first.

Key events (14) All events (38)

2024

21 May 2024

  • Changed its registered name from "Skytech Capital Ltd."

FCA register

2023

1 February 2023

  • Board replaced: all 3 directors left and 2 new directors took over
  • Stefan Hobl no longer has significant control
  • Timothy Christian Davis no longer has significant control

Companies House

2020

1 May 2020

  • Butter Holdings Ltd took control (75–100% of shares)
  • Stefan Hobl gained significant control
  • Timothy Christian Davis gained significant control
  • Tom Canty Ltd gave up control

Companies House

2017

6 October 2017

  • Niklas Haukohl gave up control
  • Tom Canty Ltd took control (75–100% of shares)

Companies House

31 May 2017

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

FCA register

2016

25 May 2016

  • Incorporated at Companies House
  • Niklas Haukohl took control (75–100% of shares)

Companies House

In the full report: all 38 events

  • All 38 events in its history (14 shown here)
  • Every director appointment and resignation: 11
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Firms like Affirm U.K.

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorisedSaga 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 Affirm U.K.

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, 1 flagged
  • 7 years of accounts, charted
  • All 38 events in its history

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Frequently asked questions about this firm

Is Affirm U.K. Limited FCA authorised?
Yes, Affirm U.K. Limited (FRN 756087) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2017 and works as a lender. The FCA has placed no limits on its permissions.
What is Affirm U.K.’s phone number and website?
The FCA register lists the phone number 0800 014 8879 and the website affirm.com/en-gb for Affirm U.K.. If you were given different contact details, use these to check with the firm before going any further.
Is Affirm U.K. a scam or clone?
Affirm U.K. 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 Affirm U.K.?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Affirm U.K. handles your money, so check the specific product before you commit. You can also refer complaints about Affirm U.K. to the Financial Ombudsman Service, free of charge.
Who owns Affirm U.K.?
Affirm U.K. is owned by Butter Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 May 2020. Before that, it was controlled by Mr Niklas Haukohl, Tom Canty Ltd and Mr Stefan Hobl.
Who runs Affirm U.K.?
Companies House lists 3 directors of Affirm U.K.: Ruth Elizabeth Spratt, Katherine Elizabeth Adkins and Libor Michalek.
How long has Affirm U.K. been in business?
The company was formed on 25 May 2016, and has held its current FCA authorisation since May 2017.
What do Affirm U.K.’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £41.6m (+504% from £6.89m) and cash at bank of £33.0m (up £32.5m from £579k).
Does Affirm U.K. use any other names?
It trades as Affirm. It has previously used 6 other names, including Skytech Capital Ltd., Butter and Pay Monthly Travel.

Sources and links

The full report on Affirm U.K. Limited

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