Ipsum Capital Limited

Reference number: 1046065

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

  • No phone number on the FCA register

  • Address

    18 The Bridge Centre, Chesterfield, Derbyshire, S41 9FG, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode S41 9FG
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
10126016
Company status
Active
Company type
Private limited company
Incorporated
15 April 2016 (10 years old)
Registered office
18 The Bridge Business Centre, Beresford Way, Chesterfield, Derbyshire, S41 9FG, United Kingdom
Nature of business
  • Activities of credit bureaus (SIC 82912)

Directors and company secretaries

Name Role Born Appointed Other companies
Keith Robin Cottam Director Sep 1962 1 Sep 2017 18 other companies
Richard William Marlow Director Feb 1969 1 Sep 2017 14 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
19
closed down
4
are FCA-registered
2

In the full report: all 19 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 on the FCA register
  • The 13 companies these 2 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 March 2025Full accountsNot audited

Total equity

£364k

−62% from £961k

Cash at bank

£262k

+238% from £77.5k

Owed within a year

£5.74m

Up £5.74m from £6,258

Assets and liabilities

In the full report: all 5 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.

Accounts filed at Companies House for company 10126016. 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

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

Key events (3) All events (11)

2025

24 December 2025

  • Registered with the FCA

FCA register

2016

19 July 2016

  • Ipsum Holdings Limited took control (75–100% of shares)

Companies House

15 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (3 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Ipsum Capital

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

connected firms
2
share a director
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Ipsum Capital

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

  • 19 other companies its directors have run, named
  • 1 background check on its contact details
  • 5 years of accounts, charted
  • All 11 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ipsum Capital Limited FCA authorised?
Ipsum Capital Limited (FRN 1046065) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is Ipsum Capital a scam or clone?
Ipsum Capital is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Ipsum Capital?
Money you hand to Ipsum Capital is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Ipsum Capital?
Ipsum Capital is owned by Ipsum Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 19 July 2016.
Who runs Ipsum Capital?
Companies House lists 2 directors of Ipsum Capital: Keith Robin Cottam and Richard William Marlow.
How long has Ipsum Capital been in business?
The company was formed on 15 April 2016.
What do Ipsum Capital’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £364k (−62% from £961k) and cash at bank of £262k (+238% from £77.5k).

Sources and links

The full report on Ipsum Capital Limited

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