Bume Limited

Reference number: 1026019

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Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Responsible principal firm

Hope Macy Ltd Reference number: 934392 Authorised View firm →

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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When surecredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 335 8509 is
  • Whether EC1V 2NX is a shared office: 214 other firms give it
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Other names (1)

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

  • Sure Credit Trading name

Past FCA permissions and consumer protection

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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
14051741
Company status
Active
Company type
Private limited company
Incorporated
19 April 2022 (4 years old)
Registered office
8a Dunraven Place, Bridgend, CF31 1JD, Wales
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Sebastian John Pierre Rene Clement Director Nov 1984 19 Apr 2022 9 other companies
William Ellis Sinclair Director Nov 1986 19 Apr 2022 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 companies
9
closed down
5
are FCA-registered
2

In the full report: all 9 companies, 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
  • The 2 on the FCA register
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£130k

No earlier figure to compare

Cash at bank

£311k

+178% from £112k

Employees (average)

2

Same as 2

Owed within a year

£218k

−4.1% from £228k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 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.

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

Accounts filed at Companies House for company 14051741. 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

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

Key events (24) All events (27)

2025

20 January 2025

  • Status on the FCA register became "PSD Agent"

FCA register

2024

31 May 2024

  • Convorto Limited no longer has significant control

Companies House

2023

22 September 2023

  • Carpenter Property Services Ltd gained significant control
  • Convorto Limited gained significant control
  • Rdsr Limited gained significant control
  • Sinclair Ops Ltd gained significant control
  • Sjprc Ltd gained significant control

Companies House

31 August 2023

  • Carpenter Property Services Ltd no longer has significant control
  • Convorto Limited no longer has significant control
  • Rdsr Limited no longer has significant control
  • Sinclair Ops Ltd no longer has significant control
  • Sjprc Ltd no longer has significant control

Companies House

2022

19 April 2022

  • Incorporated at Companies House
  • Carpenter Property Services Ltd became a part-owner (25–50% of shares)
  • Carpenter Property Services Ltd gained significant control
  • Carpenter Property Services Ltd stopped being a part-owner
  • Converto Limited gained significant control
  • Converto Limited no longer has significant control
  • Convorto Limited gained significant control
  • Rdsr Limited gained significant control
  • Sinclair Ops Ltd became a part-owner (25–50% of shares)
  • Sinclair Ops Ltd gained significant control
  • Sinclair Ops Ltd stopped being a part-owner
  • Sjprc Ltd gained significant control

Companies House

In the full report: all 27 events

  • All 27 events in its history (24 shown here)
  • Every director appointment and resignation: 2
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Get the full report on Bume

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 27 events in its history

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Frequently asked questions about this firm

Is Bume Limited FCA authorised?
Bume Limited (FRN 1026019) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
What is Bume’s phone number and website?
The FCA register lists the phone number 0330 335 8509 and the website surecredit.co.uk for Bume. If you were given different contact details, use these to check with the firm before going any further.
Is Bume a scam or clone?
Bume 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 Bume?
Bume is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Who owns Bume?
Companies House lists 4 people with significant control of Bume: Sinclair Ops Ltd (significant influence or control), Carpenter Property Services Ltd (significant influence or control), Rdsr Limited (significant influence or control) and Sjprc Ltd (significant influence or control). Before that, it was controlled by Convorto Limited and Converto Limited.
Who runs Bume?
Companies House lists 2 directors of Bume: Sebastian John Pierre Rene Clement and William Ellis Sinclair.
How long has Bume been in business?
The company was formed on 19 April 2022.
What do Bume’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £130k (no earlier figure to compare) and cash at bank of £311k (+178% from £112k).
Does Bume use any other names?
It trades as Sure Credit.

Sources and links

The full report on Bume Limited

£19.99 · Instant PDF download

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