Emerald Financial Group (UK) Ltd

Reference number: 900908

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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 emerald24.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3997 7773 is
  • Who else gives the postcode EC4Y 0HA
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Other names (2)

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

  • Emerald Trading name
  • Emerald24 Trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your 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, free
    You 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
11557885
Company status
Active
Company type
Private limited company
Incorporated
7 September 2018 (8 years old)
Registered office
Hamilton House, 1 Temple Avenue, London, EC4Y 0HA, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Laura Kozlova Director Oct 1988 1 Oct 2021 None
Olegs Kravcenko Director Sep 1983 14 Jul 2023 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Total equity

£1.94m

No earlier figure to compare

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £4.27m turnover and £1.72m profit, for the year to 29 February 2024.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company 11557885. 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

Emerald Financial Group (UK)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (18)

2025

13 February 2025

  • Goca Tutberidze gained significant control
  • Marks Reckins became a part-owner (25–50% of shares)

Companies House

2023

14 March 2023

  • Marks Reckins no longer has significant control
  • William Matthew Murphy no longer has significant control

Companies House

2019

1 May 2019

  • Regulated by the FCA from this date
  • Became an authorised e-money institution

FCA register

2018

7 September 2018

  • Incorporated at Companies House
  • Igors Podgorbunskihs became a part-owner (25–50% of shares)
  • Marks Reckins gained significant control
  • William Matthew Murphy gained significant control

Companies House

In the full report: all 18 events

  • All 18 events in its history (10 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Emerald Financial Group (UK)

Other FCA-listed firms that share a director, phone number or address with Emerald Financial Group (UK). A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
no longer authorised
1
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
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Firms like Emerald Financial Group (UK)

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

In London

Uber Payments UK LimitedLondonAuthorisedWise Payments LimitedLondonAuthorisedForisgfs UK LimitedLondonAuthorisedWepay Payments Ltd.LondonAuthorisedAirbnb Payments UK LimitedLondonAuthorisedMollie UK Ltd.LondonAuthorised

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 Emerald Financial Group (UK)

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
  • 4 years of accounts, charted
  • All 18 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Emerald Financial Group (UK) Ltd FCA authorised?
Yes, Emerald Financial Group (UK) Ltd (FRN 900908) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2019 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Emerald Financial Group (UK)’s phone number and website?
The FCA register lists the phone number 020 3997 7773 and the website emerald24.co.uk for Emerald Financial Group (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Emerald Financial Group (UK) a scam or clone?
Emerald Financial Group (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 Emerald Financial Group (UK)?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Emerald Financial Group (UK) to the Financial Ombudsman Service, free of charge.
Who owns Emerald Financial Group (UK)?
Companies House lists 3 people with significant control of Emerald Financial Group (UK): Mr Marks Reckins (25–50% of shares), Mr Igors Podgorbunskihs (25–50% of shares) and Mr Goca Tutberidze (significant influence or control). Before that, it was controlled by Mr William Matthew Murphy.
Who runs Emerald Financial Group (UK)?
Companies House lists 2 directors of Emerald Financial Group (UK): Laura Kozlova and Olegs Kravcenko.
How long has Emerald Financial Group (UK) been in business?
The company was formed on 7 September 2018, and has held its current FCA authorisation since May 2019.
What do Emerald Financial Group (UK)’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £1.94m (no earlier figure to compare).
Does Emerald Financial Group (UK) use any other names?
It trades as Emerald and Emerald24.

Sources and links

The full report on Emerald Financial Group (UK) Ltd

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