Creditstar UK Limited

Reference number: 675392

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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 creditstar.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3695 7544 is
  • Who else gives the postcode NW1 2DA
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Other names (7)

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

  • Creditstar Trading name
  • creditstar.co.uk Trading name
  • UCSL Limited Former name
  • Creditstarflex Former trading name
  • creditstarflex.co.uk Former trading name
  • Monefit Former trading name
  • monefit.co.uk Former 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 (3 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit

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
07085760
Company status
Active
Company type
Private limited company
Incorporated
24 November 2009 (16 years old)
Registered office
210 Euston Road, London, NW1 2DA, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Aaro Sosaar Director Mar 1985 16 Feb 2015 None
Christian Isaksen Director Nov 1978 25 May 2022 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

−£4.35m

−283% from £2.38m

Cash at bank

£52.2k

No earlier figure to compare

Employees (average)

6

+50% from 4

Owed within a year

£4.73m

+52% from £3.10m

Net assets are negative: on its last balance sheet the company owed £4.35m more than it owned.

Net assets

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
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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 07085760. 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

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

Key events (5) All events (27)

2017

29 November 2017

  • Changed its registered name from "UCSL Limited"

FCA register

2016

6 April 2016

  • Aaro Sosaar took control (75–100% of shares)

Companies House

4 March 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2009

24 November 2009

  • Incorporated at Companies House

Companies House

In the full report: all 27 events

  • All 27 events in its history (5 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Creditstar UK

Other FCA-listed firms that share a director, phone number or address with Creditstar UK. 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
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Firms like Creditstar UK

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services 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 Creditstar UK

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 27 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Creditstar UK Limited FCA authorised?
Yes, Creditstar UK Limited (FRN 675392) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Creditstar UK’s phone number and website?
The FCA register lists the phone number 020 3695 7544 and the website creditstar.co.uk for Creditstar UK. If you were given different contact details, use these to check with the firm before going any further.
Is Creditstar UK a scam or clone?
Creditstar UK 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 Creditstar UK?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Creditstar UK handles your money, so check the specific product before you commit. You can also refer complaints about Creditstar UK to the Financial Ombudsman Service, free of charge.
Who owns Creditstar UK?
Companies House lists one person with significant control of Creditstar UK: Mr Aaro Sosaar (75–100% of shares).
Who runs Creditstar UK?
Companies House lists 2 directors of Creditstar UK: Aaro Sosaar and Christian Isaksen.
How long has Creditstar UK been in business?
The company was formed on 24 November 2009, and has held its current FCA authorisation since March 2016.
What do Creditstar UK’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£4.35m (−283% from £2.38m) and cash at bank of £52.2k (no earlier figure to compare).
Does Creditstar UK use any other names?
It trades as Creditstar and creditstar.co.uk. It has previously used 5 other names, including UCSL Limited, Creditstarflex and creditstarflex.co.uk.

Sources and links

The full report on Creditstar UK Limited

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