CRIF RealTime Limited

Reference number: 791914

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Registered with the FCA

This firm is registered to provide account information services. With your permission it can read your account data, but it cannot hold or move your money.

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 crif.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7096 3805 is
  • Who else gives the postcode EC2N 2HG
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Other names (6)

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

  • Credit Data Research Realtime Holdings Limited Former name
  • Credit Data Research Realtime France Former trading name
  • Credit Data Research Realtime Germany Former trading name
  • Credit Data Research Realtime Italy Former trading name
  • Credit Data Research Realtime Spain Former trading name
  • Credit Data Research Realtime United Kingdom Former trading name

FCA permissions and consumer protection

  • Account information No FSCS cover
    This firm does not hold or move your money, it only reads your account data with your permission. There are no customer funds to safeguard and FSCS protection does not arise. You can still complain about how it handled your data.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
10964103
Company status
Active
Company type
Private limited company
Incorporated
14 September 2017 (9 years old)
Registered office
Suite 1, 7th Floor, 50 Broadway, London, SW1H 0BL, England
Nature of business
  • Other information service activities not elsewhere classified (SIC 63990)

Directors and company secretaries

Name Role Born Appointed Other companies
Enrico Lodi Director Apr 1964 13 Jul 2018 None
Sara Costantini Director Mar 1973 19 Nov 2021 2 other companies
Stephen Martin Giffney Director Dec 1958 16 Jul 2026 None
VISTRA COSEC LIMITED Corporate secretary Not published 31 Jan 2018 –

Other companies run by these 3 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
2
still active
1
went insolvent
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one 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 December 2025Small company accountsAudited

Total equity

£216k

+71% from £126k

Cash at bank

£340k

+47% from £231k

Employees (average)

3

Same as 3

Owed within a year

£342k

−40% from £571k

Assets and liabilities

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 10964103. 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

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

Key events (11) All events (30)

2019

27 December 2019

  • Carlo Gherardi gave up control
  • Crif Decision Solutions Limited took control (75–100% of shares)

Companies House

2018

13 November 2018

  • Changed its registered name from "Credit Data Research Realtime Holdings Limited"

FCA register

6 September 2018

  • Carlo Gherardi took control (75–100% of shares)
  • Credit Data Research Limited gave up control

Companies House

13 January 2018

  • Status on the FCA register became "Registered Account Information Service Provider"

FCA register

2017

10 November 2017

  • Credit Data Research Limited took control (75–100% of shares)
  • Norose Company Secretarial Services Limited gave up control

Companies House

19 October 2017

  • Regulated by the FCA from this date

FCA register

14 September 2017

  • Incorporated at Companies House
  • Norose Company Secretarial Services Limited took control (75–100% of shares)

Companies House

In the full report: all 30 events

  • All 30 events in its history (11 shown here)
  • Every director appointment and resignation: 9
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Firms connected to CRIF RealTime

Other FCA-listed firms that share a director, phone number or address with CRIF RealTime. 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
Instant PDF download

Firms like CRIF RealTime

Other firms of the same type (payment or money transfer firm), nearest first.

In the Central London (EC) postcode area

Wise Payments LimitedLondonAuthorisedForisgfs UK LimitedLondonAuthorisedAirbnb Payments UK LimitedLondonAuthorisedMollie UK Ltd.LondonAuthorisedPayoneer Payment Services (UK) LimitedLondonAuthorisedPleo Financial Services UK LtdFarringdonAuthorised

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 CRIF RealTime

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 30 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is CRIF RealTime Limited FCA authorised?
Yes, CRIF RealTime Limited (FRN 791914) is registered with the FCA and permitted to provide its regulated services.
What is CRIF RealTime’s phone number and website?
The FCA register lists the phone number 020 7096 3805 and the website crif.co.uk for CRIF RealTime. If you were given different contact details, use these to check with the firm before going any further.
Is CRIF RealTime a scam or clone?
CRIF RealTime 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 CRIF RealTime?
Protection depends on which product you hold and how CRIF RealTime handles your money, so check the specific product before you commit. You can also refer complaints about CRIF RealTime to the Financial Ombudsman Service, free of charge.
Who owns CRIF RealTime?
CRIF RealTime is owned by Crif Decision Solutions Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 27 December 2019. Before that, it was controlled by Credit Data Research Limited, Mr Carlo Gherardi and Norose Company Secretarial Services Limited.
Who runs CRIF RealTime?
Companies House lists 3 directors of CRIF RealTime: Enrico Lodi, Sara Costantini and Stephen Martin Giffney.
How long has CRIF RealTime been in business?
The company was formed on 14 September 2017, and has held its current FCA authorisation since January 2018.
What do CRIF RealTime’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £216k (+71% from £126k) and cash at bank of £340k (+47% from £231k).
Does CRIF RealTime use any other names?
It has previously used 6 other names, including Credit Data Research Realtime Holdings Limited, Credit Data Research Realtime France and Credit Data Research Realtime Germany.

Sources and links

The full report on CRIF RealTime Limited

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