DebtStream Solutions LTD: FCA regulated?

Acts as an e-money agent

This firm does not hold FCA authorisation of its own, and acts as an e-money agent under another firm's authorisation.

Agent for 3 years
No FCA actions
Active company since 2018
Accounts filed up to 31 December 2025
Your funds are not FSCS protected

Responsible principal firm

TrueLayer Limited Reference number: 901096 Authorised View firm →

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.

Website

debtstream.co.uk (opens in a new tab)
No phone number on the FCA register
Address

2 HILLIARDS COURT, CHESTER BUSINESS PARK, CHESTER, CH4 9PX, United Kingdom

In the full report: 2 background checks

When debtstream.co.uk first appeared online, and whether it can receive email
Who else gives the postcode CH4 9PX

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 name: DEBTSTREAM SOLUTIONS LIMITED
Company number: 11738296 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 December 2018 (7 years old)
Registered office: First Floor, The Foundation Herons Way, Chester Business Park, Chester, Cheshire, CH4 9GB, United Kingdom
Nature of business: Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Gareth Omry Bailey	Director	May 1976	21 Dec 2018	4 other companies
Leonardo Flamarion De Freitas	Director	Mar 1983	25 Jan 2019	3 other companies
Martin Alan O'Donnell	Director	Oct 1987	25 Jan 2019	2 other companies

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: 5
closed down: 4
run together: 2

In the full report: all 5 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 companies these 3 directors run together

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Total equity

£230k

−65% from £659k

Cash at bank

£273k

−60% from £679k

Owed within a year

£207k

+206% from £67.7k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2019 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.

Accounts filed at Companies House for company 11738296. 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

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

Key events (5) All events (8)

2023

5 July 2023

Status on the FCA register became "EMD Agent"

FCA register

2020

20 December 2020

Leonardo Flamarion De Freitas became a part-owner (25–50% of shares)
Martin Alan O'Donnell became a part-owner (25–50% of shares)

Companies House

2018

21 December 2018

Incorporated at Companies House
Gareth Omry Bailey became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms like DebtStream Solutions

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

In the Chester (CH) postcode area

Park Card Marketing Services LtdBirkenheadAgent Aspire Payments limitedChesterRegistered Income Group LimitedEllesmere PortAuthorised

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 DebtStream Solutions

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

5 other companies its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is DebtStream Solutions LTD FCA authorised?

DebtStream Solutions LTD (FRN 903101) 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 DebtStream Solutions’ website?

The FCA register lists the website debtstream.co.uk for DebtStream Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is DebtStream Solutions a scam or clone?

DebtStream Solutions 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 DebtStream Solutions?

DebtStream Solutions 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 DebtStream Solutions?

Companies House lists 3 people with significant control of DebtStream Solutions: Mr Leonardo Flamarion De Freitas (25–50% of shares), Mr Martin Alan O'Donnell (25–50% of shares) and Mr Gareth Omry Bailey (25–50% of shares).

Who runs DebtStream Solutions?

Companies House lists 3 directors of DebtStream Solutions: Gareth Omry Bailey, Leonardo Flamarion De Freitas and Martin Alan O'Donnell.

How long has DebtStream Solutions been in business?

The company was formed on 21 December 2018.

What do DebtStream Solutions’ latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £230k (−65% from £659k) and cash at bank of £273k (−60% from £679k).