Cohort Reserve Topco Ltd

Reference number: 1016247

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    97 Park Lane, Mayfair, London, W1K 7TG, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode W1K 7TG
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Other names (2)

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

  • Cohort Invest LTD Former name
  • Cohort Lendco VII Ltd Former name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
15024587
Company status
Active
Company type
Private limited company
Incorporated
24 July 2023 (3 years old)
Registered office
97 Park Lane, Mayfair, London, W1K 7TG, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Balbinder Singh Sohal Director Oct 1975 24 Jul 2023 80 other companies
Matthew John Stuchfield Thame Director Jul 1993 24 Jul 2023 6 other companies

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
81
closed down
23
are FCA-registered
2

In the full report: all 81 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
  • The 5 companies these 2 directors run together
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Filed accounts and finances

Year to 31 December 2025Small company accountsAudited

Total equity

−£77.8k

Down £54.5k from −£23.2k

Cash at bank

£6,643

Up £5,785 from £858

Employees (average)

0

Same as 0

Owed within a year

£84.9k

+250% from £24.3k

Total equity is negative: on its last balance sheet the company owed £77.8k more than it owned.

Assets and liabilities

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 15024587. 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

Cohort Reserve Topco’s history from the FCA register and Companies House, newest first.

2026

16 June 2026

  • Changed its registered name from "Cohort Lendco VII Ltd"

FCA register

15 May 2026

  • Changed its registered name from "Cohort Invest LTD"

FCA register

2024

1 November 2024

  • Registered with the FCA

FCA register

2023

24 July 2023

  • Incorporated at Companies House
  • Cohort Capital Holdings Ltd took control (75–100% of shares)
  • Balbinder Singh Sohal appointed as a director
  • Matthew John Stuchfield Thame appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Cohort Reserve Topco

Other FCA-listed firms that share a director, phone number or address with Cohort Reserve Topco. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
2
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
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Get the full report on Cohort Reserve Topco

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

  • 81 other companies its directors have run, named
  • 1 background check on its contact details
  • All 7 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cohort Reserve Topco Ltd FCA authorised?
Cohort Reserve Topco Ltd (FRN 1016247) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is Cohort Reserve Topco a scam or clone?
Cohort Reserve Topco is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Cohort Reserve Topco?
Money you hand to Cohort Reserve Topco is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Cohort Reserve Topco?
Cohort Reserve Topco is owned by Cohort Capital Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 24 July 2023.
Who runs Cohort Reserve Topco?
Companies House lists 2 directors of Cohort Reserve Topco: Balbinder Singh Sohal and Matthew John Stuchfield Thame.
How long has Cohort Reserve Topco been in business?
The company was formed on 24 July 2023.
What do Cohort Reserve Topco’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of −£77.8k (down £54.5k from −£23.2k) and cash at bank of £6,643 (up £5,785 from £858).
Does Cohort Reserve Topco use any other names?
It has previously used 2 other names: Cohort Invest LTD and Cohort Lendco VII Ltd.

Sources and links

The full report on Cohort Reserve Topco Ltd

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