Nium Fintech Limited
Reference number: 901024
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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.
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Website
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No phone number on the FCA register
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Address
Ground Floor, 52-54 Gracechurch Street, London, EC3V 0EH, United Kingdom
In the full report: 2 background checks
- When nium.com first appeared online, and whether it can receive email
- Who else gives the postcode EC3V 0EH
Other names (3)
If you were contacted under any of these names, it is this firm.
- Instarem Trading name: A name it trades under now.
- Nium Trading name: A name it trades under now.
- Instarem Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour 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, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
- a) Services enabling cash placement on a payment account
- b) Services enabling cash withdrawals from a payment account
- c) Execution of payment transactions (not covered by a credit line)
- d) Execution of payment transactions (covered by a credit line)
- e) Issuing payment instruments or acquiring payment transactions
- f) Money remittance
- h) Issuing Electronic Money
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
- 09039850 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 May 2014 (12 years old)
- Registered office
- Ground Floor, 52-54 Gracechurch Street, London, EC3V 0EH, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Spencer James Douglas Hanlon | Director | Aug 1972 | 7 Dec 2021 | 2 other companies |
| Anupam Pahuja | Director | Nov 1966 | 27 Jun 2025 | None |
Other companies run by these 2 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
- 2
- still active
- 2
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£5.83m
+8.2% from £5.39m
Cash at bank
£13.0m
+5.8% from £12.2m
Employees (average)
36
+2.9% from 35
Owed within a year
£11.5m
+7.8% from £10.7m
* Cash at bank usually includes customers’ money.
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2020 to 2024
- 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.
Accounts filed at Companies House for company 09039850. 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
Nium Fintech’s history from the FCA register and Companies House, newest first.
2024
15 September 2024
- Nium Pte Ltd gave up control
Companies House
2023
15 September 2023
- Nium Pte Ltd took control (75–100% of shares)
- Pratik Gandhi no longer has significant control
- Punathil Prajit Nanu no longer has significant control
Companies House
2022
1 December 2022
- Pratik Gandhi gained significant control
Companies House
2020
12 October 2020
- Changed its registered name from "Instarem Limited"
FCA register
18 August 2020
- Regulated by the FCA from this date
- Became an authorised e-money institution
FCA register
23 January 2020
- Instarem Pte Limited gave up control
Companies House
2016
6 April 2016
- Instarem Pte Limited took control (75–100% of shares)
- Punathil Prajit Nanu gained significant control
Companies House
2014
14 May 2014
- Incorporated at Companies House
Companies House
In the full report: all 26 events
- All 26 events in its history (12 shown here)
- Every director appointment and resignation: 12
Firms like Nium Fintech
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 Nium Fintech
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 26 events in its history
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Frequently asked questions about this firm
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How long has Nium Fintech been in business?
What do Nium Fintech’s latest accounts show?
Does Nium Fintech 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