Ephelia UK EMD Limited

Reference number: 903002

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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.

Responsible principal firm

The Currency Cloud Limited Reference number: 900199 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.

In the full report: 3 background checks

  • When epheliagroup.com first appeared online, and whether it can receive email
  • What kind of line 07950 186670 is
  • Who else gives the postcode W1U 3PQ
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Other names (2)

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

  • Quid Trading name
  • Quid UK Global Limited Former name

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
EPHELIA UK EMD LTD
Company number
12639882
Company status
Active
Company type
Private limited company
Incorporated
2 June 2020 (6 years old)
Registered office
7 Manchester Square, London, W1U 3PQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Fiona Bannatyne Richards Director Apr 1971 12 Sep 2025 7 other companies

Other companies run by its director

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
7
closed down
3
is FCA-registered
1

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£11.7k

Down £3,860 from −£7,812

Employees (average)

0

Same as 0

Owed within a year

£12.3k

+57% from £7,827

Net assets are negative: on its last balance sheet the company owed £11.7k more than it owned.

Assets and liabilities

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 12639882. 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

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

Key events (6) All events (12)

2025

17 December 2025

  • Changed its registered name from "Quid UK Global Limited"

FCA register

12 September 2025

  • Board replaced: its only director left and a new director took over

Companies House

2024

21 March 2024

  • Board replaced: its only director left and a new director took over

Companies House

2021

12 May 2021

  • Status on the FCA register became "EMD Agent"

FCA register

2020

2 June 2020

  • Incorporated at Companies House
  • Vigh 29 Holding Ltd took control (75–100% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Ephelia UK EMD

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Ephelia UK EMD

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

In London

A2B Tax LtdLondonAgentAmplifi Capital (U.K.) LimitedLondonAgentGoji Financial Services LimitedLondonAgentLa Orange LimitedLondonAgentMighty LtdLondonAgentModulr Finance LtdLondonAgent

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 Ephelia UK EMD

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Ephelia UK EMD Limited FCA authorised?
Ephelia UK EMD Limited (FRN 903002) 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 Ephelia UK EMD’s phone number and website?
The FCA register lists the phone number 07950 186670 and the website epheliagroup.com for Ephelia UK EMD. If you were given different contact details, use these to check with the firm before going any further.
Is Ephelia UK EMD a scam or clone?
Ephelia UK EMD 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 Ephelia UK EMD?
Ephelia UK EMD 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 Ephelia UK EMD?
Ephelia UK EMD is owned by Vigh 29 Holding Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 June 2020.
Who runs Ephelia UK EMD?
Companies House lists one director of Ephelia UK EMD: Fiona Bannatyne Richards.
How long has Ephelia UK EMD been in business?
The company was formed on 2 June 2020.
What do Ephelia UK EMD’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£11.7k (down £3,860 from −£7,812).
Does Ephelia UK EMD use any other names?
It trades as Quid. It has previously used the name Quid UK Global Limited.

Sources and links

The full report on Ephelia UK EMD Limited

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