Incard Ltd

Reference number: 903054

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Acts as an e-money agent

This firm does not hold FCA authorisation of its own, and acts as an e-money agent under another firm's authorisation.

Responsible principal firm

TrueLayer Limited Reference number: 901096 Authorised View firm →

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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When incard.co first appeared online, and whether it can receive email
  • What kind of line 07516 305399 is
  • Whether WC2H 9JQ is a shared office: 186 other firms give it
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Past FCA permissions and consumer protection

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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
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
  • 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
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Filed accounts and finances

Year to 31 December 2025Abridged accountsNot audited

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.

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.

Key events (7) All events (13)

2025

22 December 2025

  • Incard Group Holdings Ltd took control (75–100% of shares)
  • Theo Esteban Pablo Cesarini gave up control

Companies House

2022

5 April 2022

  • Status on the FCA register became "EMD Agent"

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 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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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, 1 flagged
  • All 13 events in its history

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Frequently asked questions about this firm

Is Incard Ltd FCA authorised?
Incard Ltd (FRN 903054) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
What is Incard’s phone number and website?
The FCA register lists the phone number 07516 305399 and the website incard.co for Incard. If you were given different contact details, use these to check with the firm before going any further.
Is Incard a scam or clone?
Incard 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 Incard?
Incard is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Who owns Incard?
Incard is owned by Incard Group Holdings Ltd, which holds 75–100% of shares and 75–100% of votes, since 22 December 2025. Before that, it was controlled by Mr Theo Esteban Pablo Cesarini and Unisolution International Ltd.
Who runs Incard?
Companies House lists 4 directors of Incard: Theo Esteban Pablo Cesarini, Matteo Antonio Vincenzo Martino, Soraya Tribouillois and Matthew John Tuck.
How long has Incard been in business?
The company was formed on 9 December 2020.
What do Incard’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£661k (down £106k from −£556k) and cash at bank of £381k (up £347k from £34.2k).

Sources and links

The full report on Incard Ltd

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