Lumon Risk Management Limited

Reference number: 567835

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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, 1 thing worth a closer look

  • When lumonpay.com first appeared online, and whether it can receive email
  • What kind of line 020 3384 7280 is, and the other firm that gives it
  • Who else gives the postcode EC1M 3HE
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Other names (7)

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

  • Lumon Trading name
  • Infinity International Limited Former name
  • Arjent FX Former trading name
  • Direct Devises Former trading name
  • Kds FX Former trading name
  • Prime Foreign Exchange Former trading name
  • Unitransact (UK) Former trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • 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 (2 permissions)
  • 5. Issuing and/or acquiring of payment instruments.
  • 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 name
LUMON RISK MANAGEMENT LTD
Company number
06333730
Company status
Active
Company type
Private limited company
Incorporated
3 August 2007 (19 years old)
Registered office
20 Farringdon Road, London, EC1M 3HE, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael James Peter England Director Feb 1981 22 Apr 2020 49 other companies
Jonathan James Guest Director Feb 1983 16 Dec 2021 9 other companies
Leigh Edward Bridger Director Oct 1980 5 May 2022 3 other companies
Nicholas John Haslehurst Director Oct 1972 18 Oct 2022 10 other companies
Ian Mccaig Director Apr 1966 25 Oct 2022 48 other companies
Victor Marc Darvey Director Nov 1972 30 Nov 2023 5 other companies

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
115
closed down
48
went insolvent
8

In the full report: all 115 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The 8 that went into liquidation or administration
  • The 11 on the FCA register, including 2 no longer authorised
  • The 2 companies these 6 directors run together
  • All 21 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Full accountsAudited

Turnover

£3.57m

No earlier figure to compare

Profit before tax

£1.62m

No earlier figure to compare

Net assets

£6.52m

No earlier figure to compare

Cash at bank

£8.16m

No earlier figure to compare

* Cash at bank usually includes customers’ money.

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 06333730. 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

Lumon Risk Management’s history from the FCA register and Companies House, newest first.

Key events (12) All events (62)

2021

24 August 2021

  • Changed its registered name from "Infinity International Limited"

FCA register

2020

1 December 2020

  • Currency Holdings Limited gave up control
  • Lumon Acquisitions Limited took control (75–100% of shares)

Companies House

2019

14 May 2019

  • Currency Holdings Limited took control (75–100% of shares)
  • Samaro Holdings Limited gave up control

Companies House

2018

31 May 2018

  • Became an authorised payment institution

FCA register

2016

6 April 2016

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

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

22 February 2012

  • Regulated by the Financial Services Authority from this date
  • Supervised by HMRC under the money laundering rules from this date

FCA register

2011

1 September 2011

  • Board replaced: both directors left and 2 new directors took over

Companies House

2007

3 August 2007

  • Incorporated at Companies House

Companies House

In the full report: all 62 events

  • All 62 events in its history (12 shown here)
  • Every director appointment and resignation: 36
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Firms connected to Lumon Risk Management

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

connected firms
3
share a director
3
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 8 past links through former directors
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Firms like Lumon Risk Management

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

In London

Uber Payments UK LimitedLondonAuthorisedWise Payments LimitedLondonAuthorisedForisgfs UK LimitedLondonAuthorisedWepay Payments Ltd.LondonAuthorisedAirbnb Payments UK LimitedLondonAuthorisedMollie UK Ltd.LondonAuthorised

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 Lumon Risk Management

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

  • 115 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 62 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lumon Risk Management Limited FCA authorised?
Yes, Lumon Risk Management Limited (FRN 567835) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Lumon Risk Management’s phone number and website?
The FCA register lists the phone number 020 3384 7280 and the website lumonpay.com for Lumon Risk Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Lumon Risk Management a scam or clone?
Lumon Risk Management 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 Lumon Risk Management?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Lumon Risk Management to the Financial Ombudsman Service, free of charge.
Who owns Lumon Risk Management?
Lumon Risk Management is owned by Lumon Acquisitions Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 December 2020. Before that, it was controlled by Samaro Holdings Limited and Currency Holdings Limited.
Who runs Lumon Risk Management?
Companies House lists 6 directors of Lumon Risk Management: Michael James Peter England, Jonathan James Guest, Leigh Edward Bridger, Nicholas John Haslehurst, Ian McCaig and Victor Marc Darvey.
How long has Lumon Risk Management been in business?
The company was formed on 3 August 2007, and has held its current FCA authorisation since May 2018.
What do Lumon Risk Management’s latest accounts show?
Its latest accounts, to 31 October 2025, show turnover of £3.57m (no earlier figure to compare) and profit before tax of £1.62m (no earlier figure to compare).
Does Lumon Risk Management use any other names?
It trades as Lumon. It has previously used 6 other names, including Infinity International Limited, Arjent FX and Direct Devises.

Sources and links

The full report on Lumon Risk Management Limited

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