Clarico Pay Ltd

Reference number: 527149

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Registered with the FCA

This firm is registered as a small payment institution. That is a lighter regime than full FCA authorisation, applied to smaller payment firms, and safeguarding of customer money is optional at this size.

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 claricopay.com first appeared online, and whether it can receive email
  • What kind of line 020 8980 7376 is
  • Who else gives the postcode E2 9HE
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Other names (1)

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

  • Vivo Transfer Ltd Former name

FCA permissions and consumer protection

  • Handle payments & transfers No FSCS cover
    Safeguarding is optional for a payment firm of this size, so your money may not be held in a separate protected account. Ask the firm whether it safeguards customer funds before sending it money. FSCS protection does not apply either way.
  • 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 (1 permission)
  • 6. Money remittance.

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
07263512
Company status
Active
Company type
Private limited company
Incorporated
24 May 2010 (16 years old)
Registered office
49 Mowlem Street, 1st Floor - Unit 10, London, E2 9HE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Rimon Jaoude Director Aug 1978 23 Dec 2010 None
Jevgenijs Sadovskis Director May 1989 12 Aug 2024 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Abridged accountsNot audited

Net assets

−£13.0k

Down £7,620 from −£5,405

Employees (average)

2

+100% from 1

Owed within a year

£13.0k

+141% from £5,405

Net assets are negative: on its last balance sheet the company owed £13.0k more than it owned.

Net assets

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.

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

Accounts filed at Companies House for company 07263512. 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

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

Key events (11) All events (18)

2024

12 August 2024

  • Jevgenijs Sadovskis took control (75–100% of shares)
  • Rimon Jaoude gave up control

Companies House

2022

22 June 2022

  • Changed its registered name from "Vivo Transfer Ltd"

FCA register

1 February 2022

  • Rimon Jaoude took control (75–100% of shares)

Companies House

31 January 2022

  • Cleverson Cassel stopped being a part-owner

Companies House

2018

26 October 2018

  • Registered as a small payment institution

FCA register

2016

17 April 2016

  • Cleverson Cassel became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

6 July 2010

  • Regulated by the Financial Services Authority from this date

FCA register

24 May 2010

  • Incorporated at Companies House
  • Supervised by HMRC under the money laundering rules from this date

Companies House · FCA register

In the full report: all 18 events

  • All 18 events in its history (11 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Clarico Pay

Other FCA-listed firms that share a director, phone number or address with Clarico Pay. 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
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Firms like Clarico Pay

Other firms of the same type (payment or money transfer firm), nearest first.

In London

StoneX Financial LtdLondonAuthorisedReal Transfer LimitedLondonAuthorisedOnafriq UK LimitedLondonAuthorisedDaytona Capital Management LimitedLondonAuthorisedSable International FX LimitedLondonAuthorisedTrolley Payments UK LtdLondonAuthorised

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 Clarico Pay

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 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clarico Pay Ltd FCA authorised?
Yes, Clarico Pay Ltd (FRN 527149) is registered with the FCA and permitted to provide its regulated services.
What is Clarico Pay’s phone number and website?
The FCA register lists the phone number 020 8980 7376 and the website claricopay.com for Clarico Pay. If you were given different contact details, use these to check with the firm before going any further.
Is Clarico Pay a scam or clone?
Clarico Pay 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 Clarico Pay?
Protection depends on which product you hold and how Clarico Pay handles your money, so check the specific product before you commit. You can also refer complaints about Clarico Pay to the Financial Ombudsman Service, free of charge.
Who owns Clarico Pay?
Companies House lists one person with significant control of Clarico Pay: Mr Jevgenijs Sadovskis (75–100% of shares). Before that, it was controlled by Mr Cleverson Cassel and Mr. Rimon Jaoude.
Who runs Clarico Pay?
Companies House lists 2 directors of Clarico Pay: Rimon Jaoude and Jevgenijs Sadovskis.
How long has Clarico Pay been in business?
The company was formed on 24 May 2010, and has held its current FCA authorisation since October 2018.
What do Clarico Pay’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of −£13.0k (down £7,620 from −£5,405).
Does Clarico Pay use any other names?
It has previously used the name Vivo Transfer Ltd.

Sources and links

The full report on Clarico Pay Ltd

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