No longer authorised
This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Authorisation ended 26 April 2024.
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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No website on the FCA register
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No phone number on the FCA register
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Last known address
C/O Stephen Katz (IP No. 8681) and Asher Miller (IP No. 9251), Begbies Traynor (London) LLP, Pearl Assurance House, 319 Ballards Lane, London, N12 8LY, United Kingdom
In the full report: 1 background check
- Who else gives the postcode N12 8LY
Past FCA permissions and consumer protection
- The record is closedCover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.
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.
Concerns on the company record
- Companies House records this company as dissolved.
- This company has insolvency history on record.
- Company number
- 12712807 (opens Companies House in a new tab)
- Company status
- Dissolved
- Company type
- Private limited company
- Incorporated
- 2 July 2020 (6 years old)
- Registered office
- Pearl Assurance House, 319 Ballards Lane, London, N12 8LY
- Nature of business
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- Other research and experimental development on natural sciences and engineering (SIC 72190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Robert Cheyne | Director | Aug 1981 | 2 Jul 2020 | 1 other company |
| Gavin Shuker | Director | Oct 1981 | 2 Jul 2020 | 2 other companies |
| John Allan Whittaker | Director | Nov 1982 | 2 Jul 2020 | 5 other companies |
| Ewan Mckinnon Kirk (Dr) | Director | Feb 1961 | 21 Aug 2020 | 3 other companies |
| Paul David Pester (Dr) | Director | Jan 1964 | 1 Jul 2021 | 8 other companies |
Other companies run by these 5 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
- 19
- closed down
- 6
- are FCA-registered
- 2
In the full report: all 19 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
Filed accounts and finances
Turnover
£0
No earlier figure to compare
Profit before tax
−£569k
No earlier figure to compare
Net assets
£1.61m
No earlier figure to compare
Cash at bank
£199k
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.
Accounts filed at Companies House for company 12712807. 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
Cardeo’s history from the FCA register and Companies House, newest first.
2026
15 March 2026
- Company dissolved
Companies House
2024
26 April 2024
- No longer regulated by the FCA
- Status on the FCA register became "Cancelled - RAISP"
FCA register
2021
4 December 2021
- Regulated by the FCA from this date
FCA register
24 May 2021
- Ewan McKinnon Kirk became a part-owner (25–50% of shares)
Companies House
13 March 2021
- Christopher Robert Cheyne no longer holds 25–50% of the votes
- Gavin Shuker no longer holds 25–50% of the votes
- John Whittaker no longer holds 25–50% of the votes
Companies House
2020
2 July 2020
- Incorporated at Companies House
- Christopher Robert Cheyne gained 25–50% of the votes
- Gavin Shuker gained 25–50% of the votes
- John Whittaker gained 25–50% of the votes
Companies House
In the full report: all 18 events
- All 18 events in its history (12 shown here)
- Every director appointment and resignation: 5
Firms connected to Cardeo
Other FCA-listed firms that share a director, phone number or address with Cardeo. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- past link
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Firms like Cardeo
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 Cardeo
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 19 other companies its directors have run, named
- 1 background check on its contact details
- All 18 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
- Report a scam to the FCA fca.org.uk