Fizzyy Ltd

Reference number: 911806

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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, 2 things worth a closer look

  • When fizzyy.co.uk first appeared online, and whether it can receive email
  • What kind of line 07841 979153 is, and the other firm that gives it
  • Whether EC1V 2NX is a shared office: 214 other firms give it
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Other names (29)

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

  • Before Payday Trading name
  • Brassgrove Trading name
  • Carry Lane Trading name
  • Cash Cub Trading name
  • Cash Pig Trading name
  • Credit Lane Trading name
  • Credit Leaf Trading name
  • Credo Credit Trading name
  • Fair Tide Trading name
  • Loan Cove Trading name
  • Loan Hive Trading name
  • Loanico Trading name
  • Loan Wave Trading name
  • loanzi Trading name
  • Merit Credit Trading name
  • Money Bunny Trading name
  • moneycub Trading name
  • Money Lane Trading name
  • Money Sprint Trading name
  • Money Trail Trading name
  • Monkey Cash Trading name
  • More Mint Trading name
  • Nest Credit Trading name
  • Newdays Credit Trading name
  • Owl Credit Trading name
  • United Loans Trading name
  • Wizzy Cash Trading name
  • Wizzy Loans Trading name
  • Yes Money Trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (4)
  • 020336030425
  • 020 3603 0425
  • 07777 682547
  • 07878 965145
Fake email addresses (2)
  • lizadoyleloanteam@gmail.com
  • seven11loanshelp.co.uk@gmail.com
Fake websites (1)
  • seven11loans.co.uk
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

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 (1 permission)
  • Credit Broking

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
12099134
Company status
Active
Company type
Private limited company
Incorporated
12 July 2019 (7 years old)
Registered office
124 City Road, London, EC1V 2NX, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Sebastian John Pierre Rene Clement Director Nov 1984 12 Jul 2019 9 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
9
closed down
5
are FCA-registered
2

In the full report: all 9 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 2 on the FCA register
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Filed accounts and finances

14 months to 30 September 2025Small company accountsNot audited

Total equity

−£55.9k

No earlier figure to compare

Cash at bank

£45.8k

+293% from £11.7k

Employees (average)

1

Same as 1

Owed within a year

£195k

+109% from £93.1k

Total equity is negative: on its last balance sheet the company owed £55.9k 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 12099134. 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

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

Key events (5) All events (37)

2025

13 February 2025

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2019

8 November 2019

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

FCA register

12 July 2019

  • Incorporated at Companies House
  • Sebastian John Pierre Rene Clement took control (75–100% of shares)

Companies House

In the full report: all 37 events

  • All 37 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Fizzyy

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

connected firms
2
share a director
2
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Fizzyy

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

In London

London Business SchoolLondonAuthorisedRoyal College of Nursing of the United KingdomLondonAuthorisedRobert BurgessLondonAuthorisedSwoop Finance LimitedLondonAuthorisedNanotax LimitedLondonAuthorisedMha Financial Solutions LimitedLondonAuthorised

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 Fizzyy

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details, 2 flagged
  • 6 years of accounts, charted
  • All 37 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fizzyy Ltd FCA authorised?
Yes, Fizzyy Ltd (FRN 911806) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2019 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Fizzyy’s phone number and website?
The FCA register lists the phone number 07841 979153 and the website fizzyy.co.uk for Fizzyy. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Fizzyy a scam or clone?
Scammers have impersonated Fizzyy: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Fizzyy, shown on this page.
Is my money safe with Fizzyy?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Fizzyy handles your money, so check the specific product before you commit. You can also refer complaints about Fizzyy to the Financial Ombudsman Service, free of charge.
Who owns Fizzyy?
Companies House lists one person with significant control of Fizzyy: Mr Sebastian John Pierre Rene Clement (75–100% of shares).
Who runs Fizzyy?
Companies House lists one director of Fizzyy: Sebastian John Pierre Rene Clement.
How long has Fizzyy been in business?
The company was formed on 12 July 2019, and has held its current FCA authorisation since November 2019.
What do Fizzyy’s latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of −£55.9k (no earlier figure to compare) and cash at bank of £45.8k (+293% from £11.7k).
Does Fizzyy use any other names?
It trades as Before Payday, Brassgrove, Carry Lane, Cash Cub and Cash Pig, and 24 more names.

Sources and links

The full report on Fizzyy Ltd

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