incuto Limited

Reference number: 917341

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Registered with the FCA

This firm is registered as a small payment institution. That is a lighter regime than full FCA authorisation, applied to smaller payment firms, and safeguarding of customer money is optional at this size.

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

  • When incuto.com first appeared online, and whether it can receive email
  • What kind of line 020 3475 0061 is
  • Who else gives the postcode LS29 8PB
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FCA permissions and consumer protection

  • Handle payments & transfers No FSCS cover
    Safeguarding is optional for a payment firm of this size, so your money may not be held in a separate protected account. Ask the firm whether it safeguards customer funds before sending it money. FSCS protection does not apply either way.
  • 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 (2 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)

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
10228476
Company status
Active
Company type
Private limited company
Incorporated
13 June 2016 (10 years old)
Registered office
Unit 3 Holiday House, Valley Road, Ilkley, LS29 8PB, England
Nature of business
  • Business and domestic software development (SIC 62012)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew John Rabbitt Director Nov 1979 13 Jun 2016 13 other companies
John Gilbert Neasham Director Feb 1970 1 Sep 2016 5 other companies

Other companies run by these 2 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
16
closed down
13
run together
2

In the full report: all 16 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 companies these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Abridged accountsNot audited

Total equity

−£813k

Up £2.37m from −£3.18m

Cash at bank

£163k

+341% from £36.9k

Employees (average)

14

−50% from 28

Owed within a year

£1.71m

−13% from £1.96m

Total equity is negative: on its last balance sheet the company owed £813k 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 10228476. 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

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

Key events (10) All events (20)

2025

24 January 2025

  • Andrew Rabbitt stopped being a part-owner

Companies House

2023

13 January 2023

  • John Gilbert Neasham gained significant control

Companies House

2020

30 September 2020

  • Regulated by the FCA from this date
  • Registered as a small payment institution

FCA register

6 February 2020

  • Fair By Design (GP) Ltd. stopped being a part-owner

Companies House

2019

24 June 2019

  • Fair By Design (GP) Ltd. became a part-owner (25–50% of shares)

Companies House

24 January 2019

  • Lesley Anthony Walker no longer has significant control

Companies House

2016

1 October 2016

  • Lesley Anthony Walker gained significant control

Companies House

13 June 2016

  • Incorporated at Companies House
  • Andrew Rabbitt became a part-owner (25–50% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (10 shown here)
  • Every director appointment and resignation: 10
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Firms like incuto

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

In the Leeds (LS) postcode area

Dzx LtdLeedsRegisteredE27 Partners UK LtdLeedsRegisteredEris FX LimitedLeedsAuthorisedFrontier Global Consultants LtdLeedsAuthorisedGul Exchange LtdLeedsRegisteredHalo Financial LimitedLeedsAuthorised

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 incuto

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

  • 16 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is incuto Limited FCA authorised?
Yes, incuto Limited (FRN 917341) is registered with the FCA and permitted to provide its regulated services.
What is incuto’s phone number and website?
The FCA register lists the phone number 020 3475 0061 and the website incuto.com for incuto. If you were given different contact details, use these to check with the firm before going any further.
Is incuto a scam or clone?
incuto 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 incuto?
Protection depends on which product you hold and how incuto handles your money, so check the specific product before you commit. You can also refer complaints about incuto to the Financial Ombudsman Service, free of charge.
Who owns incuto?
Companies House lists one person with significant control of incuto: Mr John Gilbert Neasham (significant influence or control). Before that, it was controlled by Fair By Design (GP) Ltd., Andrew Rabbitt and Mr Lesley Anthony Walker.
Who runs incuto?
Companies House lists 2 directors of incuto: Andrew John Rabbitt and John Gilbert Neasham.
How long has incuto been in business?
The company was formed on 13 June 2016, and has held its current FCA authorisation since September 2020.
What do incuto’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of −£813k (up £2.37m from −£3.18m) and cash at bank of £163k (+341% from £36.9k).

Sources and links

The full report on incuto Limited

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