Fairlo UK Limited

Reference number: 989159

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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 fairlo.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3488 5072 is
  • Who else gives the postcode HA5 2EX
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Other names (1)

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

  • Fairlo Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
13566128
Company status
Active
Company type
Private limited company
Incorporated
13 August 2021 (5 years old)
Registered office
Wisteria Grange Barn Pikes End, Pinner, London, HA5 2EX, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew James Cochrane Director Apr 1990 13 Aug 2021 2 other companies
Jimmy Hanna Director Mar 1983 13 Aug 2021 None
Christopher James Shaw Director Mar 1991 13 Aug 2021 4 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
6
closed down
3
still active
3

In the full report: all 6 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£637k

−27% from £870k

Cash at bank

£187k

−63% from £502k

Employees (average)

3

+50% from 2

Owed within a year

£114k

+180% from £40.7k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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.

Accounts filed at Companies House for company 13566128. 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

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

Key events (3) All events (9)

2023

13 September 2023

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2021

13 August 2021

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (3 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Fairlo UK

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Fairlo UK

Other firms of the same type (lender), nearest first.

In the Harrow (HA) postcode area

Ayngaran Jewellery LtdWembleyAuthorisedEoptimiser LimitedHarrowAuthorisedGraphite Euro LtdWembleyAuthorisedKirusna NadarajaWembleyAuthorisedLamna Financial LimitedEdgwareAuthorisedRaenik Finance LimitedAuthorised

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 Fairlo UK

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Fairlo UK Limited FCA authorised?
Yes, Fairlo UK Limited (FRN 989159) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2023 and works as a lender. The FCA has placed no limits on its permissions.
What is Fairlo UK’s phone number and website?
The FCA register lists the phone number 020 3488 5072 and the website fairlo.co.uk for Fairlo UK. If you were given different contact details, use these to check with the firm before going any further.
Is Fairlo UK a scam or clone?
Fairlo 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 Fairlo UK?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Fairlo UK handles your money, so check the specific product before you commit. You can also refer complaints about Fairlo UK to the Financial Ombudsman Service, free of charge.
Who runs Fairlo UK?
Companies House lists 3 directors of Fairlo UK: Matthew James Cochrane, Jimmy Hanna and Christopher James Shaw.
How long has Fairlo UK been in business?
The company was formed on 13 August 2021, and has held its current FCA authorisation since September 2023.
What do Fairlo UK’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £637k (−27% from £870k) and cash at bank of £187k (−63% from £502k).
Does Fairlo UK use any other names?
It trades as Fairlo.

Sources and links

The full report on Fairlo UK Limited

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