CreDec Limited: FCA regulated?

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.

Agent for 8 years
No FCA actions
Active company since 2017
Accounts filed up to 30 June 2025
Your funds are not FSCS protected

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 815633 →.

Responsible principal firm

Ardohr Limited Reference number: 791622 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.

CREDEC LIMITED Reference number: 815633 Authorised

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 939 8900
Address

22 Baker Street, London, Westminster, W1U 3BW, United Kingdom

In the full report: 2 background checks

What kind of line 0333 939 8900 is
Who else gives the postcode W1U 3BW

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: 10821006 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 June 2017 (9 years old)
Registered office: 22 Baker Street, London, W1U 3BW, England
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Craig Farquhar Eadie	Director	Apr 1955	15 Jun 2017	None
Alexander Michael Meynell	Director	Nov 1966	16 May 2018	None

In the full report: every company its directors have run

Confirmation that these 2 directors run no other company

Filed accounts and finances

Year to 30 June 2025Small company accountsAudited

Total equity

£89.4k

−24% from £118k

Cash at bank

£99.9k

−55% from £220k

Employees (average)

2

Up 2 from 0

Owed within a year

£146k

−2% from £149k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

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 10821006. 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

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

Key events (3) All events (6)

2018

23 May 2018

Status on the FCA register became "PSD Agent"

FCA register

2017

15 June 2017

Incorporated at Companies House
Ardohr Limited took control (75–100% of shares)

Companies House

In the full report: all 6 events

All 6 events in its history (3 shown here)
Every director appointment and resignation: 2

Firms connected to CreDec

Other FCA-listed firms that share a director, phone number or address with CreDec. 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

Get the full report on CreDec

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
2 background checks on its contact details
6 years of accounts, charted
All 6 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is CreDec Limited FCA authorised?

CreDec Limited (FRN 809835) 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 CreDec’s phone number?

The FCA register lists the phone number 0333 939 8900 for CreDec. If you were given different contact details, use these to check with the firm before going any further.

Is CreDec a scam or clone?

CreDec 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 CreDec?

CreDec 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 CreDec?

CreDec is owned by Ardohr Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 15 June 2017.

Who runs CreDec?

Companies House lists 2 directors of CreDec: Craig Farquhar Eadie and Alexander Michael Meynell.

How long has CreDec been in business?

The company was formed on 15 June 2017.

What do CreDec’s latest accounts show?

Its latest accounts, to 30 June 2025, show total equity of £89.4k (−24% from £118k) and cash at bank of £99.9k (−55% from £220k).