Initiator Limited

Reference number: 674420

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Authorised by the FCA

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

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 initiatorltd.com first appeared online, and whether it can receive email
  • What kind of line 07885 831737 is, and the 5 other firms that give it
  • Who else gives the postcode E2 0AN
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Other names (2)

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

  • Cash Converters Bethnal Green Trading name
  • Personal Finance Centre Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
05091824
Company status
Active
Company type
Private limited company
Incorporated
2 April 2004 (22 years old)
Registered office
4a Church Street, Market Harborough, Leicestershire, LE16 7AA, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Gary Raymond Lewy Director Nov 1967 2 Mar 2016 24 other companies
Edward Stephen Lewy Director Oct 1998 8 Mar 2022 12 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
26
closed down
4
are FCA-registered
9

In the full report: all 26 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 9 on the FCA register, including one no longer authorised
  • The 10 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 April 2025Small company accountsNot audited

Net assets

£405k

+14% from £354k

Cash at bank

£73.7k

−26% from £99.5k

Employees (average)

6

+20% from 5

Owed within a year

£114k

+75% from £65.0k

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
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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 05091824. 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

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

Key events (8) All events (23)

2026

6 February 2026

  • Edward James Lawrence Dujon stopped being a part-owner
  • Woowoo (East) Limited became a part-owner (25–50% of shares)

Companies House

2022

23 February 2022

  • Gary Raymond Lewy became a part-owner (25–50% of shares)

Companies House

2017

2 April 2017

  • Edward James Lawrence Dujon became a part-owner (25–50% of shares)

Companies House

2016

29 January 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2004

2 April 2004

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (8 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Initiator

Other FCA-listed firms that share a director, phone number or address with Initiator. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
9
share a director
8
share its phone number
5

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (8), the same phone number (5), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Initiator

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services 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 Initiator

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

  • 26 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 23 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Initiator Limited FCA authorised?
Yes, Initiator Limited (FRN 674420) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Initiator’s phone number and website?
The FCA register lists the phone number 07885 831737 and the website initiatorltd.com for Initiator. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 5 other FCA firms.
Is Initiator a scam or clone?
Initiator 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 Initiator?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Initiator handles your money, so check the specific product before you commit. You can also refer complaints about Initiator to the Financial Ombudsman Service, free of charge.
Who owns Initiator?
Companies House lists 2 people with significant control of Initiator: Mr Gary Raymond Lewy (25–50% of shares) and Woowoo (East) Limited (25–50% of shares). Before that, it was controlled by Mr Edward James Lawrence Dujon.
Who runs Initiator?
Companies House lists 2 directors of Initiator: Gary Raymond Lewy and Edward Stephen Lewy.
How long has Initiator been in business?
The company was formed on 2 April 2004, and has held its current FCA authorisation since January 2016.
What do Initiator’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £405k (+14% from £354k) and cash at bank of £73.7k (−26% from £99.5k).
Does Initiator use any other names?
It trades as Cash Converters Bethnal Green. It has previously used the name Personal Finance Centre.

Sources and links

The full report on Initiator Limited

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