Kroo Bank Ltd

Reference number: 953772

Instant download

Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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 kroo.com first appeared online, and whether it can receive email
  • What kind of line 0800 802 1323 is
  • Who else gives the postcode EC4A 4AB
Instant PDF download
Other names (2)

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

  • Kroo Bank Limited Former name
  • Kroo Ltd Former name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (10 permissions)
  • Accepting Deposits
  • Credit Broking
  • Dealing in investments as principal
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • 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)
  • Providing Credit Information Services

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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
104
upheld, against a 31% median
49%
about banking and credit
104

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
10359002
Company status
Active
Company type
Private limited company
Incorporated
5 September 2016 (10 years old)
Registered office
3 More London Riverside, London, SE1 2AQ, England
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Serena Mary Joseph Director Dec 1964 9 Jul 2021 6 other companies
Colby David Lamberson Director Mar 1974 2 Jul 2025 None
Veronika Lovett Director Jul 1984 9 Dec 2025 None
Susan Margaret Douthwaite Director Oct 1962 13 Feb 2026 4 other companies
Caroline Jane Richardson Director Aug 1974 11 Mar 2026 1 other company
Tina Angela Kokkinos Director Feb 1969 1 Sep 2026 7 other companies
Stephen George Byrne Secretary Not published 2 Jun 2020 –

Other companies run by these 6 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
18
closed down
3
are FCA-registered
5

In the full report: all 18 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 on the FCA register
  • All 17 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2020Small company accountsNot audited

Net assets

−£1.55m

−229% from £1.20m

Cash at bank

£1.33m

−13% from £1.53m

Employees (average)

31

+24% from 25

Owed within a year

£3.17m

+388% from £651k

Net assets are negative: on its last balance sheet the company owed £1.55m more than it owned.

Assets and liabilities

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 10359002. 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

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

Key events (11) All events (41)

2025

21 July 2025

  • Colby David Lamberson became the majority owner (50–75% of shares)

Companies House

2023

14 March 2023

  • Changed its registered name from "Kroo Bank Limited"

FCA register

2022

28 September 2022

  • Changed its registered name from "Kroo Ltd"

FCA register

2021

9 December 2021

  • FCA warned the public about a scam impersonating this firm

FCA warning list

15 July 2021

  • Nazim Valimahomed stopped being a part-owner

Companies House

7 July 2021

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

FCA register

2016

5 September 2016

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

Companies House

In the full report: all 41 events

  • All 41 events in its history (11 shown here)
  • Every director appointment and resignation: 28
Instant PDF download

Firms connected to Kroo Bank

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

connected firms
2
share a director
2
past links
3

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
Instant PDF download

Firms like Kroo Bank

Other firms of the same type (bank or building society), nearest first.

In London

Santander UK PLCLondonAuthorisedMonzo Bank LimitedLondonAuthorisedNational Westminster Bank Public Limited CompanyLondonAuthorisedLloyds Bank PLCLondonAuthorisedBarclays Bank PLCLondonAuthorisedBarclays Bank UK PLCLondonAuthorised

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 Kroo Bank

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

  • 18 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 41 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Kroo Bank Ltd FCA authorised?
Yes, Kroo Bank Ltd (FRN 953772) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2021 and works as a bank or building society. The FCA has placed a limit on what it may do.
What is Kroo Bank’s phone number and website?
The FCA register lists the phone number 0800 802 1323 and the website kroo.com for Kroo Bank. If you were given different contact details, use these to check with the firm before going any further.
Is Kroo Bank a scam or clone?
Scammers have impersonated Kroo Bank: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Kroo Bank, shown on this page.
Is my money safe with Kroo Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Kroo Bank to the Financial Ombudsman Service, free of charge.
Who owns Kroo Bank?
Companies House lists one person with significant control of Kroo Bank: Mr Colby David Lamberson (50–75% of shares). Before that, it was controlled by Mr Nazim Valimahomed.
Who runs Kroo Bank?
Companies House lists 6 directors of Kroo Bank: Serena Mary Joseph, Colby David Lamberson, Veronika Lovett, Susan Margaret Douthwaite, Caroline Jane Richardson and Tina Angela Kokkinos.
How long has Kroo Bank been in business?
The company was formed on 5 September 2016, and has held its current FCA authorisation since July 2021.
What do Kroo Bank’s latest accounts show?
Its latest accounts, to 31 December 2020, show net assets of −£1.55m (−229% from £1.20m) and cash at bank of £1.33m (−13% from £1.53m).
How many complaints does Kroo Bank get?
In January–June 2025, the Financial Ombudsman Service received 104 new complaints about Kroo Bank, and upheld 49% of those it decided.
Does Kroo Bank use any other names?
It has previously used 2 other names: Kroo Bank Limited and Kroo Ltd.

Sources and links

The full report on Kroo Bank Ltd

£19.99 · Instant PDF download

Loading secure checkout…