Credit Smart LTD

Reference number: 1045027

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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.

Responsible principal firm

Score Genius Technology Limited Reference number: 830950 Registered 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.

In the full report: 3 background checks

  • When creditgenius.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 464 7057 is
  • Who else gives the postcode TW9 2PR
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Other names (1)

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

  • Credit Genius 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
14914078
Company status
Active
Company type
Private limited company
Incorporated
5 June 2023 (3 years old)
Registered office
23 Sheen Rd, Richmond, TW9 1BN, England
Nature of business
  • Activities of credit bureaus (SIC 82912)

Directors and company secretaries

Name Role Born Appointed Other companies
Damon Hirschl Director Oct 1976 5 Jun 2023 None
Adam Cameron Ross Murray Director Jan 1987 3 Sep 2026 7 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
7
closed down
4
is FCA-registered
1

In the full report: all 7 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 one on the FCA register
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£37.7k

−157% from £66.6k

Cash at bank

£27.9k

No earlier figure to compare

Employees (average)

2

Up 2 from 0

Owed within a year

£79.1k

−24% from £104k

Net assets are negative: on its last balance sheet the company owed £37.7k more than it owned.

Net assets

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 14914078. 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

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

Key events (3) All events (6)

2025

24 October 2025

  • Status on the FCA register became "PSD Agent"

FCA register

2023

5 June 2023

  • Incorporated at Companies House
  • Damon Hirschl became a part-owner (25–50% 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
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Firms connected to Credit Smart

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Get the full report on Credit Smart

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Credit Smart LTD FCA authorised?
Credit Smart LTD (FRN 1045027) 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 Credit Smart’s phone number and website?
The FCA register lists the phone number 0800 464 7057 and the website creditgenius.co.uk for Credit Smart. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Smart a scam or clone?
Credit Smart 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 Credit Smart?
Credit Smart 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 Credit Smart?
Companies House lists one person with significant control of Credit Smart: Mr Damon Hirschl (25–50% of shares).
Who runs Credit Smart?
Companies House lists 2 directors of Credit Smart: Damon Hirschl and Adam Cameron Ross Murray.
How long has Credit Smart been in business?
The company was formed on 5 June 2023.
What do Credit Smart’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£37.7k (−157% from £66.6k) and cash at bank of £27.9k (no earlier figure to compare).
Does Credit Smart use any other names?
It trades as Credit Genius.

Sources and links

The full report on Credit Smart LTD

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