Guavapay Limited

Reference number: 900888

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Registered, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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.

  • No website on the FCA register

  • Phone number

    020 3989 2865

  • Address

    Kristina Kicks & Michael Leeds both of Interpath Advisory, Interpath Ltd, 10 Fleet Place, London, EC4M 7RB, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 3989 2865 is
  • Who else gives the postcode EC4M 7RB
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Other names (5)

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

  • CARDIUM Trading name
  • GUAVABASE Trading name
  • LINQCENTRE Trading name
  • MyGuava Trading name
  • MyMoneyMove Trading name

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
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

Limits on the record

  • Restrictions on new and current business
    Restriction on new and current business 1. The Firm must refrain from carrying on any new business and from accepting any new electronic money (“e-money”) from existing customers, whether by way of issuance, top-up, or otherwise, pursuant to its registration as an Small Authorised Electronic Money Institution under the Electronic Money Regulations 2011 (the “EMRs”), except with the prior written consent of the Financial Conduct Authority (the “FCA”). 2. Without prejudice to paragraph 1 above, and for the avoidance of doubt, the Firm shall not, without the prior written consent of the FCA: a. onboard any new customers; b. issue any new e-money on behalf of existing customers; c. accept any new customer funds; or d. onboard or register any new payment service users. 3. For the avoidance of doubt, the Firm shall continue to permit existing customers to redeem their e-money and withdraw funds in the ordinary course of business. Preservation of records 4. The Firm must secure and preserve all records and/or information (physical or electronic) relating to its services from its systems in their original form, or in a copy proved to be identical to the source material. These must be retained in a form and at a location within the United Kingdom, to be notified to the FCA within five business days of the Effective Date, such that they can be provided to the FCA, or to a person named by the FCA, promptly on its request. Notification requirements 5. The Firm’s Chief Executive Officer shall provide written confirmation to the FCA by 3:00 pm each Friday (excluding public holidays) beginning on the First Friday after the Effective Date, confirming the Firm’s compliance with these Requirements. Duration 6. The Requirements in this application take effect immediately on its acceptance by the FCA and notification of such to the Firm by email (“Effective Date”). The Requirements will stay in effect until the FCA is satisfied that they can be lifted.

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.

Concerns on the company record

  • Companies House records this company in liquidation, but it is still authorised on the FCA register.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company number
10601900
Company status
Liquidation
Company type
Private limited company
Incorporated
6 February 2017 (9 years old)
Registered office
10 Fleet Place, London, EC4M 7RB
Nature of business
  • Business and domestic software development (SIC 62012)
  • Other information service activities not elsewhere classified (SIC 63990)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Rauf Akbar Director Jan 1993 9 Jan 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 16 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Full accountsAudited

Turnover

£23.4m

Not compared: the previous accounts cover a different length of time

Profit before tax

£1.97m

Not compared: the previous accounts cover a different length of time

Net assets

£17.3m

+248% from £4.98m

Cash at bank

£10.1m

+56% from £6.47m

Its next accounts are overdue at Companies House.

The previous accounts cover 14 months, so turnover and profit are not compared with them.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2024
  • 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 10601900. 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

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

Key events (10) All events (50)

2025

19 September 2025

  • Board replaced: all 6 directors left and a new director took over

Companies House

17 September 2025

  • FCA imposed a requirement (Restrictions on new and current business)

FCA register

2023

29 December 2023

  • Orkhan Nasibov gave up control
  • Tainotech Holding Limited took control (75–100% of shares)

Companies House

2019

3 June 2019

  • Regulated by the FCA from this date
  • Status on the FCA register became "Small Electronic Money Institution"

FCA register

2018

7 March 2018

  • Orkhan Nasibov took control (75–100% of shares)
  • Ulviyya Nasibova gave up control

Companies House

2017

6 February 2017

  • Incorporated at Companies House
  • Ulviyya Nasibova took control (75–100% of shares)

Companies House

In the full report: all 50 events

  • All 50 events in its history (10 shown here)
  • Every director appointment and resignation: 35
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Firms like Guavapay

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

In London

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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 Guavapay

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
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 50 events in its history

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Frequently asked questions about this firm

Is Guavapay Limited FCA authorised?
Yes, Guavapay Limited (FRN 900888) is registered with the FCA and permitted to provide its regulated services. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm.
What is Guavapay’s phone number?
The FCA register lists the phone number 020 3989 2865 for Guavapay. If you were given different contact details, use these to check with the firm before going any further.
Is Guavapay a scam or clone?
Guavapay 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 Guavapay?
Guavapay is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Guavapay?
Companies House lists one person with significant control of Guavapay: Tainotech Holding Limited (75–100% of shares). Before that, it was controlled by Ulviyya Nasibova and Mr Orkhan Nasibov.
Who runs Guavapay?
Companies House lists one director of Guavapay: Rauf Akbar.
How long has Guavapay been in business?
The company was formed on 6 February 2017. Companies House now lists it as liquidation.
What do Guavapay’s latest accounts show?
Its latest accounts, to 31 December 2024, show turnover of £23.4m (not compared: the previous accounts cover a different length of time) and profit before tax of £1.97m (not compared: the previous accounts cover a different length of time). Its accounts are overdue at Companies House.
Does Guavapay use any other names?
It trades as CARDIUM, GUAVABASE, LINQCENTRE, MyGuava and MyMoneyMove.

Sources and links

The full report on Guavapay Limited

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