Incard Ltd
Reference number: 1027309
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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.
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Website
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Phone number
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Address
Hamilton House, 1 Temple Avenue, London, EC4Y 0HA, United Kingdom
In the full report: 3 background checks
- When incard.co first appeared online, and whether it can receive email
- What kind of line 07516 306145 is
- Who else gives the postcode EC4Y 0HA
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour 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, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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 what they may do
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The firm will not appoint agents
The firm will not appoint agents
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The firm will not provide any payment services which are not related to the issuing of e-money including account information services and payment initiation services
The firm will not provide any payment services which are not related to the issuing of e-money including account information services and payment initiation services
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
- 13073893 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 December 2020 (5 years old)
- Registered office
- Hamilton House, 1 Temple Avenue, London, EC4Y 0HA, England
- Nature of business
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- Other software publishing (SIC 58290)
- Other information technology service activities (SIC 62090)
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Theo Esteban Pablo Cesarini | Director | Aug 1995 | 9 Dec 2020 | 4 other companies |
| Matteo Antonio Vincenzo Martino | Director | Jan 1997 | 9 Dec 2020 | 2 other companies |
| Soraya Tribouillois | Director | May 1997 | 25 Jul 2021 | 1 other company |
| Matthew John Tuck | Director | Jun 1968 | 10 Mar 2026 | 1 other company |
Other companies run by these 4 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
- 5
- still active
- 5
- run together
- 3
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 companies these 4 directors run together
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£661k
Down £106k from −£556k
Cash at bank
£381k
Up £347k from £34.2k
Employees (average)
15
+7.1% from 14
Net assets are negative: on its last balance sheet the company owed £661k more than it owned.
* Cash at bank usually includes customers’ money.
Assets and liabilities
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 13073893. 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
Incard’s history from the FCA register and Companies House, newest first.
2025
22 December 2025
- Incard Group Holdings Ltd took control (75–100% of shares)
- Theo Esteban Pablo Cesarini gave up control
Companies House
12 December 2025
- Regulated by the FCA from this date
- FCA imposed a requirement (The firm will not appoint agents)
- FCA imposed a requirement (The firm will not provide any payment services which are not related to the issuing of e-money including account information services and payment initiation services)
- Became an authorised e-money institution
FCA register
2021
20 May 2021
- Theo Esteban Pablo Cesarini took control (75–100% of shares)
- Unisolution International Ltd gave up control
Companies House
2020
9 December 2020
- Incorporated at Companies House
- Unisolution International Ltd took control (75–100% of shares)
Companies House
In the full report: all 17 events
- All 17 events in its history (10 shown here)
- Every director appointment and resignation: 6
Firms connected to Incard
Other FCA-listed firms that share a director, phone number or address with Incard. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- no longer authorised
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Incard
Other firms of the same type (payment or money transfer firm), nearest first.
In London
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 Incard
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 3 background checks on its contact details
- All 17 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk