Loyalbe Ltd

Reference number: 829479

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Registered with the FCA

This firm is registered to provide account information services. With your permission it can read your account data, but it cannot hold or move your money.

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 loyalbe.io first appeared online, and whether it can receive email
  • What kind of line 07999 002309 is
  • Who else gives the postcode BT2 8HS
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FCA permissions and consumer protection

  • Account information No FSCS cover
    This firm does not hold or move your money, it only reads your account data with your permission. There are no customer funds to safeguard and FSCS protection does not arise. You can still complain about how it handled your data.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
NI650618
Company status
Active
Company type
Private limited company
Incorporated
29 January 2018 (8 years old)
Registered office
18 Ormeau Avenue, Belfast, BT2 8HS, United Kingdom
Nature of business
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Cormac Quinn Director Mar 1992 29 Jan 2018 None
Ian Jonathan Browne Director Jan 1977 14 May 2019 4 other companies
Paul Gannon Director Jul 1963 14 May 2019 1 other company

Other companies run by these 3 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
5
closed down
2
still active
3

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

14 months to 31 March 2025Abridged accountsNot audited

Net assets

−£229k

Up £48.6k from −£277k

Cash at bank

£209k

No earlier figure to compare

Employees (average)

4

+33% from 3

Owed within a year

£130k

+605% from £18.5k

Net assets are negative: on its last balance sheet the company owed £229k more than it owned.

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 NI650618. 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

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

Key events (4) All events (7)

2019

29 August 2019

  • Status on the FCA register became "Registered Account Information Service Provider"

FCA register

2018

19 December 2018

  • Regulated by the FCA from this date

FCA register

29 January 2018

  • Incorporated at Companies House
  • Cormac Quinn took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Loyalbe

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Loyalbe

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

In Belfast

MiFinity UK LimitedBelfastAuthorisedEasysend LimitedBelfastAuthorisedInterpay UK ltdBelfastAuthorised

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 Loyalbe

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

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

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Frequently asked questions about this firm

Is Loyalbe Ltd FCA authorised?
Yes, Loyalbe Ltd (FRN 829479) is registered with the FCA and permitted to provide its regulated services.
What is Loyalbe’s phone number and website?
The FCA register lists the phone number 07999 002309 and the website loyalbe.io for Loyalbe. If you were given different contact details, use these to check with the firm before going any further.
Is Loyalbe a scam or clone?
Loyalbe 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 Loyalbe?
Protection depends on which product you hold and how Loyalbe handles your money, so check the specific product before you commit. You can also refer complaints about Loyalbe to the Financial Ombudsman Service, free of charge.
Who owns Loyalbe?
Companies House lists one person with significant control of Loyalbe: Cormac Quinn (75–100% of shares).
Who runs Loyalbe?
Companies House lists 3 directors of Loyalbe: Cormac Quinn, Ian Jonathan Browne and Paul Gannon.
How long has Loyalbe been in business?
The company was formed on 29 January 2018, and has held its current FCA authorisation since August 2019.
What do Loyalbe’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£229k (up £48.6k from −£277k) and cash at bank of £209k (no earlier figure to compare).

Sources and links

The full report on Loyalbe Ltd

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