KeyChain FinTech (UK) Limited
Reference number: 967989
Instant download
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.
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No phone number on the FCA register
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Address
Level 39, 1 Canada Square, Canary Wharf, London, E14 5AB, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- When keychainpay.com first appeared online, and whether it can receive email
- Whether E14 5AB is a shared office: 26 other firms give it
Other names (1)
If you were contacted under any of these names, it is this firm.
- KeyChain Pay Trading name: A name it trades under now.
FCA permissions and consumer protection
- Handle payments & transfers No FSCS coverSafeguarding 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, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 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)
- 5. Issuing and/or acquiring of payment instruments.
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
- 12186576 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 September 2019 (7 years old)
- Registered office
- 3rd Floor 86-90 Paul Street, London, EC2A 4NE, England
- Nature of business
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- Information technology consultancy activities (SIC 62020)
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Cho Leung Lau | Director | May 1975 | 3 Sep 2019 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
−£106k
Down £76.3k from −£29.3k
Cash at bank
£565
No earlier figure to compare
Employees (average)
1
Same as 1
Owed within a year
£106k
+262% from £29.3k
Net assets are negative: on its last balance sheet the company owed £106k more than it owned.
Net assets
In the full report: all 5 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 12186576. 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
KeyChain FinTech (UK)’s history from the FCA register and Companies House, newest first.
2023
17 January 2023
- Regulated by the FCA from this date
- Registered as a small payment institution
FCA register
2019
3 September 2019
- Incorporated at Companies House
- Cho Leung Lau took control (75–100% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (4 shown here)
- Every director appointment and resignation: 3
Firms like KeyChain FinTech (UK)
Other firms of the same type (payment or money transfer firm), nearest first.
In London
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 KeyChain FinTech (UK)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details, 1 flagged
- 5 years of accounts, charted
- All 8 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is KeyChain FinTech (UK) Limited FCA authorised?
What is KeyChain FinTech (UK)’s website?
Is KeyChain FinTech (UK) a scam or clone?
Is my money safe with KeyChain FinTech (UK)?
Who owns KeyChain FinTech (UK)?
Who runs KeyChain FinTech (UK)?
How long has KeyChain FinTech (UK) been in business?
What do KeyChain FinTech (UK)’s latest accounts show?
Does KeyChain FinTech (UK) use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk