Crossbeam Financial Services Ltd
Reference number: 938488
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Registered with the FCA
This firm is registered as a small e-money institution. That is a lighter regime than full FCA authorisation, applied to smaller e-money firms, though it must still safeguard the money it holds.
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.
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Website
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Phone number
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Address
66-68 Radclyffe House, Hagley Road, Birmingham, B16 8PF, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When harpfi.com first appeared online, and whether it can receive email
- What kind of line 07780 318335 is
- Who else gives the postcode B16 8PF
Other names (2)
If you were contacted under any of these names, it is this firm.
- Harpfi Trading name: A name it trades under now.
- TOTIPAY LIMITED Former name: A name it was registered under before.
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
- a) Services enabling cash placement on a payment account
- b) Services enabling cash withdrawals from a payment account
- c) Execution of payment transactions (not covered by a credit line)
- d) Execution of payment transactions (covered by a credit line)
- e) Issuing payment instruments or acquiring payment transactions
- f) Money remittance
- h) Issuing Electronic Money
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
- 10338529 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 August 2016 (10 years old)
- Registered office
- 66-68 Hagley Road, Radclyffe House, Birmingham, B16 8PF, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Morounfoluwa Majekodunmi | Director | Jan 1995 | 27 Jan 2025 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
£18.7k
+510% from £3,071
Cash at bank
£1.42m
Up £1.42m from £3,103
Employees (average)
4
Same as 4
Owed within a year
£1.59m
Up £1.59m from £3,032
* Cash at bank usually includes customers’ money.
Net assets
In the full report: all 6 years of accounts
- Every year from 2019 to 2024
- 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 10338529. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Crossbeam Financial Services’s history from the FCA register and Companies House, newest first.
2025
12 March 2025
- Changed its registered name from "TOTIPAY LIMITED"
FCA register
2024
16 May 2024
- Edmund Anyalechi Duroha became the majority owner (50–75% of shares)
Companies House
2021
25 June 2021
- Status on the FCA register became "Small Electronic Money Institution"
FCA register
2020
14 November 2020
- Regulated by the FCA from this date
FCA register
2016
19 August 2016
- Incorporated at Companies House
- Abdul-Hameed Mohammad Ameen Senan became the majority owner (50–75% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms connected to Crossbeam Financial Services
Other FCA-listed firms that share a director, phone number or address with Crossbeam Financial Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Crossbeam Financial Services
Other firms of the same type (payment or money transfer firm), nearest first.
In the Birmingham (B) postcode area
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 Crossbeam Financial Services
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
- 3 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 10 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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How long has Crossbeam Financial Services been in business?
What do Crossbeam Financial Services’ latest accounts show?
Does Crossbeam Financial Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk