Consumer Genius Limited

Reference number: 1011778

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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

  • When consumergenius.co.uk first appeared online, and whether it can receive email
  • What kind of line 07734 470405 is
  • Who else gives the postcode WC2N 4JS
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Other names (7)

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

  • Life Rates Trading name
  • LifeRates.uk Trading name
  • Loanz Trading name
  • Ratez Trading name
  • Senior Life Rates Trading name
  • UK Life Rates Trading name
  • Zoom Supermarket 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 (1 permission)
  • Credit Broking

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
14185814
Company status
Active
Company type
Private limited company
Incorporated
21 June 2022 (4 years old)
Registered office
60 St Martin's Lane Covent Garden London, St. Martin's Lane, London, WC2N 4JS, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Apostolos Panayiotis Hadzoglou Director Aug 1976 21 Jun 2022 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£300k

Down £151k from −£150k

Employees (average)

1

Same as 1

Owed within a year

£2,214

−25% from £2,941

Net assets are negative: on its last balance sheet the company owed £300k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 14185814. 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

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

Key events (4) All events (15)

2025

20 February 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

2022

21 June 2022

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Consumer Genius

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Consumer Genius

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

In London

London Business SchoolLondonAuthorisedRoyal College of Nursing of the United KingdomLondonAuthorisedRobert BurgessLondonAuthorisedSwoop Finance LimitedLondonAuthorisedNanotax LimitedLondonAuthorisedMha Financial Solutions 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 Consumer Genius

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
  • 4 years of accounts, charted
  • All 15 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Consumer Genius Limited FCA authorised?
Yes, Consumer Genius Limited (FRN 1011778) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2025 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Consumer Genius’ phone number and website?
The FCA register lists the phone number 07734 470405 and the website consumergenius.co.uk for Consumer Genius. If you were given different contact details, use these to check with the firm before going any further.
Is Consumer Genius a scam or clone?
Consumer Genius 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 Consumer Genius?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Consumer Genius handles your money, so check the specific product before you commit. You can also refer complaints about Consumer Genius to the Financial Ombudsman Service, free of charge.
Who runs Consumer Genius?
Companies House lists one director of Consumer Genius: Apostolos Panayiotis Hadzoglou.
How long has Consumer Genius been in business?
The company was formed on 21 June 2022, and has held its current FCA authorisation since February 2025.
What do Consumer Genius’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£300k (down £151k from −£150k).
Does Consumer Genius use any other names?
It trades as Life Rates, LifeRates.uk, Loanz, Ratez and Senior Life Rates, and 2 more names.

Sources and links

The full report on Consumer Genius Limited

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