Kamal Trades UK Ltd

Reference number: 920856

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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.

  • No website on the FCA register

  • Phone number

    0121 553 6401

  • Address

    35 High Street, West Bromwich, West Midlands, B70 6PB, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 553 6401 is
  • Who else gives the postcode B70 6PB
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Other names (2)

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

  • Kamal Travel Former trading name
  • K-Exchange (UK) Former trading name

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 (1 permission)
  • 6. Money remittance.

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
12334571
Company status
Active
Company type
Private limited company
Incorporated
26 November 2019 (6 years old)
Registered office
35 High Street, West Bromwich, B70 6PB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kamal Kishore Verma Director Sep 1953 26 Nov 2019 12 other companies

Other companies run by its director

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
12
closed down
6
still active
6

In the full report: all 12 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

£39.1k

−35% from £60.4k

Employees (average)

2

Same as 2

Owed within a year

£11.6k

+40% from £8,295

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 12334571. 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

Kamal Trades UK’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2020

8 April 2020

  • Regulated by the FCA from this date
  • Supervised by HMRC under the money laundering rules from this date
  • Registered as a small payment institution

FCA register

2019

26 November 2019

  • Incorporated at Companies House
  • Kamal Kishore Verma took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Kamal Trades UK

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

connected firm
1
no longer authorised
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Kamal Trades UK

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

In the Birmingham (B) postcode area

2Pay LimitedBirminghamRegisteredAbu Exchange LtdBirminghamRegisteredAltras International LimitedBirminghamAuthorisedAps International LimitedBirminghamAuthorisedArise Ventures LtdBirminghamRegisteredAsia Money Transfer LtdEnglandRegistered

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 Kamal Trades UK

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

  • 12 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Kamal Trades UK Ltd FCA authorised?
Yes, Kamal Trades UK Ltd (FRN 920856) is registered with the FCA and permitted to provide its regulated services.
What is Kamal Trades UK’s phone number?
The FCA register lists the phone number 0121 553 6401 for Kamal Trades UK. If you were given different contact details, use these to check with the firm before going any further.
Is Kamal Trades UK a scam or clone?
Kamal Trades UK 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 Kamal Trades UK?
Protection depends on which product you hold and how Kamal Trades UK handles your money, so check the specific product before you commit. You can also refer complaints about Kamal Trades UK to the Financial Ombudsman Service, free of charge.
Who owns Kamal Trades UK?
Companies House lists one person with significant control of Kamal Trades UK: Mr Kamal Kishore Verma (75–100% of shares).
Who runs Kamal Trades UK?
Companies House lists one director of Kamal Trades UK: Kamal Kishore Verma.
How long has Kamal Trades UK been in business?
The company was formed on 26 November 2019, and has held its current FCA authorisation since April 2020.
What do Kamal Trades UK’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £39.1k (−35% from £60.4k).
Does Kamal Trades UK use any other names?
It has previously used 2 other names: Kamal Travel and K-Exchange (UK).

Sources and links

The full report on Kamal Trades UK Ltd

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