Fm Finance Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 7 years
Your funds are safeguarded
No FCA actions
Active company since 2018
Accounts filed up to 30 June 2025

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

fmpay.me (opens in a new tab)
Phone number

01242 907260
Address

Suites 15-16 Pure Offices Hatherley Lane, Cheltenham Office Park, Cheltenham, GL51 6SH, England

In the full report: 3 background checks

When fmpay.me first appeared online, and whether it can receive email
What kind of line 01242 907260 is
Who else gives the postcode GL51 6SH

Other names (2)

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

FMPAY Trading name: A name it trades under now.
Remitiva Trading name: A name it trades under now.

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 (4 permissions)

1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
3. Executing payment transactions (no credit line)
5. Issuing and/or acquiring of payment instruments.
6. Money remittance.

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: 11415496 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 June 2018 (8 years old)
Registered office: Suites 15-16 Pure Offices Hatherley Lane, Cheltenham Office Park, Cheltenham, GL51 6SH, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Roman Loban	Director	Feb 1982	14 Jun 2018	None

In the full report: every company its directors have run

Confirmation that its director runs no other company

Filed accounts and finances

Year to 30 June 2025Full accountsAudited

Net assets

£217k

−5.2% from £228k

Cash at bank

£573k

−60% from £1.44m

Owed within a year

£651k

−56% from £1.49m

* Cash at bank usually includes customers’ money.

Assets and liabilities

In the full report: all 7 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 11415496. 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

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

Key events (7) All events (10)

2019

7 May 2019

Became an authorised payment institution

FCA register

2018

22 July 2018

Regulated by the FCA from this date

FCA register

13 July 2018

Handelshaus Ou took control (75–100% of shares)
Roman Loban gave up control

Companies House

14 June 2018

Incorporated at Companies House
Roman Loban gained significant control
Roman Loban took control (75–100% of shares)

Companies House

In the full report: all 10 events

All 10 events in its history (7 shown here)
Every director appointment and resignation: 1

Firms connected to Fm Finance

Other FCA-listed firms that share a director, phone number or address with Fm Finance. 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

Firms like Fm Finance

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

In Cheltenham

Integrated International Payroll LimitedCheltenhamAuthorised

Elsewhere in the UK

Uber Payments UK LimitedLondonAuthorised eBay Commerce UK LtdAuthorised Wise Payments LimitedLondonAuthorised HiFX Europe LimitedBracknellAuthorised Forisgfs UK 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 Fm Finance

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
7 years of accounts, charted
All 10 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Fm Finance Ltd FCA authorised?

Yes, Fm Finance Ltd (FRN 815137) 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 Fm Finance’s phone number and website?

The FCA register lists the phone number 01242 907260 and the website fmpay.me for Fm Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Fm Finance a scam or clone?

Fm Finance 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 Fm Finance?

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 Fm Finance to the Financial Ombudsman Service, free of charge.

Who owns Fm Finance?

Fm Finance is owned by Handelshaus Ou, which holds 75–100% of shares and 75–100% of votes, since 13 July 2018. Before that, it was controlled by Roman Loban.

Who runs Fm Finance?

Companies House lists one director of Fm Finance: Roman Loban.

How long has Fm Finance been in business?

The company was formed on 14 June 2018, and has held its current FCA authorisation since May 2019.

What do Fm Finance’s latest accounts show?

Its latest accounts, to 30 June 2025, show net assets of £217k (−5.2% from £228k) and cash at bank of £573k (−60% from £1.44m).

Does Fm Finance use any other names?

It trades as FMPAY and Remitiva.