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.
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Website
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Phone number
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Address
22 Baker Street, London, Westminster, W1U 3BW, United Kingdom
In the full report: 3 background checks
- When credec.com first appeared online, and whether it can receive email
- What kind of line 0845 130 8667 is
- Who else gives the postcode W1U 3BW
Other names (1)
If you were contacted under any of these names, it is this firm.
- CreDec Trading name: A name it trades under now.
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
- 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
- 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
- 3. Executing payment transactions (no credit line)
- 4. Executing payment transactions (credit line)
- 5. Issuing and/or acquiring of payment instruments.
- 6. Money remittance.
- 7. Payment initiation services
- 8. Account information services
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
- 03156714 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 February 1996 (30 years old)
- Registered office
- 22 Baker Street, London, W1U 3BW, England
- Nature of business
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- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Alexander Michael Meynell | Director | Nov 1966 | 8 Feb 1996 | 3 other companies |
| Jose Manuel Arnaiz De Castro | Director | Jul 1960 | 13 Apr 2012 | 1 other company |
| Craig Farquhar Eadie | Director | Apr 1955 | 20 Apr 2015 | 5 other companies |
| FORSTERS SECRETARIES LIMITED | Corporate secretary | Not published | 15 Dec 1999 | – |
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
- 8
- closed down
- 3
- went insolvent
- 1
In the full report: all 8 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 1 company these 3 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£1.86m
−37% from £2.97m
Cash at bank
£678k
−55% from £1.50m
Employees (average)
12
Same as 12
Owed within a year
£334k
−10% from £371k
* Cash at bank usually includes customers’ money.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 03156714. 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
Ardohr’s history from the FCA register and Companies House, newest first.
2025
28 March 2025
- Alexander Michael Meynell stopped being the majority owner
- Credec Group Limited took control (75–100% of shares)
Companies House
2018
13 January 2018
- Became an authorised payment institution
FCA register
2017
13 October 2017
- Regulated by the FCA from this date
FCA register
2016
6 April 2016
- Alexander Michael Meynell became the majority owner (50–75% of shares)
Companies House
1996
8 February 1996
- Incorporated at Companies House
Companies House
In the full report: all 16 events
- All 16 events in its history (6 shown here)
- Every director appointment and resignation: 9
Firms connected to Ardohr
Other FCA-listed firms that share a director, phone number or address with Ardohr. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Ardohr
Other firms of the same type (payment or money transfer firm), nearest first.
In London
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 Ardohr
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 16 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk