Clay Technologies UK Limited

Reference number: 1017010

Instant download

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 claycred.com first appeared online, and whether it can receive email
  • What kind of line 0113 519 8645 is
  • Whether E14 5RE is a shared office: 28 other firms give it
Instant PDF download
Other names (2)

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

  • Kravings Trading name
  • Paydown 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)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
15449195
Company status
Active
Company type
Private limited company
Incorporated
29 January 2024 (2 years old)
Registered office
30 Churchill Place, London, E14 5RE, England
Nature of business
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Andres Felipe Castaño Henao Director Oct 1983 29 Jan 2024 1 other company
David James Yalland Director Dec 1988 29 Jan 2024 1 other company

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 company
1
still active
1
run together
1

In the full report: all 1 company, 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 1 company these 2 directors run together
Instant PDF download

Filed accounts and finances

Year to 31 January 2025Abridged accountsNot audited

Net assets

−£868k

No earlier figure to compare

Cash at bank

£16.2k

No earlier figure to compare

Employees (average)

4

No earlier figure to compare

Owed within a year

£999k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £868k more than it owned.

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 15449195. 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

Clay Technologies UK’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2025

29 April 2025

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2024

29 January 2024

  • Incorporated at Companies House
  • David James Yalland gained significant control

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms like Clay Technologies UK

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial 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 Clay Technologies UK

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 11 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Clay Technologies UK Limited FCA authorised?
Yes, Clay Technologies UK Limited (FRN 1017010) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2025 and works as a lender. The FCA has placed a limit on what it may do.
What is Clay Technologies UK’s phone number and website?
The FCA register lists the phone number 0113 519 8645 and the website claycred.com for Clay Technologies UK. If you were given different contact details, use these to check with the firm before going any further.
Is Clay Technologies UK a scam or clone?
Clay Technologies UK 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 Clay Technologies UK?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Clay Technologies UK handles your money, so check the specific product before you commit. You can also refer complaints about Clay Technologies UK to the Financial Ombudsman Service, free of charge.
Who owns Clay Technologies UK?
Companies House lists one person with significant control of Clay Technologies UK: Mr David James Yalland (significant influence or control).
Who runs Clay Technologies UK?
Companies House lists 2 directors of Clay Technologies UK: Andres Felipe Castaño Henao and David James Yalland.
How long has Clay Technologies UK been in business?
The company was formed on 29 January 2024, and has held its current FCA authorisation since April 2025.
What do Clay Technologies UK’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of −£868k (no earlier figure to compare) and cash at bank of £16.2k (no earlier figure to compare).
Does Clay Technologies UK use any other names?
It trades as Kravings and Paydown.

Sources and links

The full report on Clay Technologies UK Limited

£19.99 · Instant PDF download

Loading secure checkout…