Cred Originations Limited

Reference number: 1058466

Instant download

Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 688840 →.

Responsible principal firm

Bud Financial Limited Reference number: 793327 Authorised View firm →

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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

  • Phone number

    0333 003 0085

  • Address

    Glasshouse, Alderley Park, Congleton Road, Nether Alderley, Macclesfield, Cheshire East, SK10 4ZE, United Kingdom

In the full report: 2 background checks

  • What kind of line 0333 003 0085 is
  • Who else gives the postcode SK10 4ZE
Instant PDF download
Other names (4)

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

  • Cred Trading name
  • Fairer Money Trading name
  • Fair Money Trading name
  • Getcred Trading name

Past FCA permissions and consumer protection

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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
03012315
Company status
Active
Company type
Private limited company
Incorporated
20 January 1995 (31 years old)
Registered office
Glasshouse, Alderley Park, Nether Alderley, Cheshire, SK10 4ZE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Joseph Trueman Director Mar 1978 23 Mar 2026 2 other companies
Gregory Charles Cox Director Jan 1981 7 Sep 2026 10 other companies
Michael Christian Ransom Director Sep 1972 7 Sep 2026 18 other companies
Sheraz Afzal Director Aug 1979 7 Sep 2026 41 other companies

Other companies run by these 4 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
60
closed down
35
are FCA-registered
10

In the full report: all 60 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 10 on the FCA register, including one no longer authorised
  • The 6 companies these 4 directors run together
  • All 12 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£187k

Up £174k from £12.5k

Employees (average)

0

Same as 0

Assets and liabilities

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
Instant PDF download
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 03012315. 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

Cred Originations’s history from the FCA register and Companies House, newest first.

Key events (5) All events (31)

2026

7 September 2026

  • Cred Technologies Limited took control (75–100% of shares)
  • Roger Joel Gewolb gave up control

Companies House

17 June 2026

  • Status on the FCA register became "PSD Agent"

FCA register

2016

6 April 2016

  • Roger Joel Gewolb took control (75–100% of shares)

Companies House

1995

20 January 1995

  • Incorporated at Companies House

Companies House

In the full report: all 31 events

  • All 31 events in its history (5 shown here)
  • Every director appointment and resignation: 20
Instant PDF download

Get the full report on Cred Originations

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

  • 60 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 31 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Cred Originations Limited FCA authorised?
Cred Originations Limited (FRN 1058466) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
What is Cred Originations’ phone number?
The FCA register lists the phone number 0333 003 0085 for Cred Originations. If you were given different contact details, use these to check with the firm before going any further.
Is Cred Originations a scam or clone?
Cred Originations 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 Cred Originations?
Cred Originations is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Who owns Cred Originations?
Cred Originations is owned by Cred Technologies Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 7 September 2026. Before that, it was controlled by Dr Roger Joel Gewolb.
Who runs Cred Originations?
Companies House lists 4 directors of Cred Originations: Matthew Joseph Trueman, Gregory Charles Cox, Michael Christian Ransom and Sheraz Afzal.
How long has Cred Originations been in business?
The company was formed on 20 January 1995.
What do Cred Originations’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £187k (up £174k from £12.5k).
Does Cred Originations use any other names?
It trades as Cred, Fairer Money, Fair Money and Getcred.

Sources and links

The full report on Cred Originations Limited

£19.99 · Instant PDF download

Loading secure checkout…