On the Cusp Ltd

Reference number: 1062490

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for under a year
Protected through the principal
No FCA actions
Active company since 2020
Accounts filed up to 31 July 2022

Responsible principal firm

Chrysalis Finance Limited Reference number: 631193 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
ON THE CUSP LTD (FRN 1062490) is an AR of Chrysalis Finance Limited (FRN 631193). When you use ON THE CUSP's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from ON THE CUSP, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

Website

eyespyeyeanddentalcare.co.uk (opens in a new tab)
Phone number

020 3638 2768
Address

748 High Road Leytonstone, London, Waltham Forest, E11 3AW, United Kingdom

In the full report: 3 background checks

When eyespyeyeanddentalcare.co.uk first appeared online, and whether it can receive email
What kind of line 020 3638 2768 is
Who else gives the postcode E11 3AW

Other names (1)

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

Eyespy Eye and Dental Care Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Chrysalis Finance Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
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: 12744721 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 July 2020 (6 years old)
Registered office: 746 High Road Leytonstone, London, E11 3AW, England
Nature of business: Dental practice activities (SIC 86230)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Irrum Hussain (Dr)	Director	Dec 1988	15 Jul 2020	None

In the full report: every company its directors have run

Confirmation that its director runs no other company

Filed accounts and finances

Year to 31 July 2022Full accountsNot audited

Net assets

£7,664

Up £17.9k from −£10.2k

Cash at bank

£3,342

−62% from £8,683

Employees (average)

Same as 1

Owed within a year

£102k

+36% from £74.8k

Net assets

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 12744721. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2026

21 September 2026

Became an appointed representative
Began trading as "Eyespy Eye and Dental Care"

FCA register

2020

15 July 2020

Incorporated at Companies House
Fesar Rafiq took control (75–100% of shares)
Irrum Hussain appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to On the Cusp

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like On the Cusp

Other firms of the same type (dental or medical practice), nearest first.

In London

Macmillan Cancer SupportLondonAppointed representative Circle Health Group LimitedLondonAppointed representative British Dental AssociationLondonAppointed representative SheMed LimitedLondonAppointed representative Personal Health Service LimitedLondonAppointed representative TPC Group LimitedLondonAppointed representative

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 On the Cusp

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
3 background checks on its contact details
All 5 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is On the Cusp Ltd FCA authorised?

On the Cusp Ltd (FRN 1062490) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for On the Cusp?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. On the Cusp Ltd (FRN 1062490) is an AR of Chrysalis Finance Limited (FRN 631193). When you use On the Cusp's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from On the Cusp, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is On the Cusp’s phone number and website?

The FCA register lists the phone number 020 3638 2768 and the website eyespyeyeanddentalcare.co.uk for On the Cusp. If you were given different contact details, use these to check with the firm before going any further.

Is On the Cusp a scam or clone?

On the Cusp 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 On the Cusp?

Protection works through Chrysalis Finance Limited, the principal firm responsible for On the Cusp's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns On the Cusp?

Companies House lists one person with significant control of On the Cusp: Mr Fesar Rafiq (75–100% of shares).

Who runs On the Cusp?

Companies House lists one director of On the Cusp: Irrum Hussain (Dr).

How long has On the Cusp been in business?

The company was formed on 15 July 2020.

What do On the Cusp’s latest accounts show?

Its latest accounts, to 31 July 2022, show net assets of £7,664 (up £17.9k from −£10.2k) and cash at bank of £3,342 (−62% from £8,683).

Does On the Cusp use any other names?

It trades as Eyespy Eye and Dental Care.

Sources and links

Its entry on the FCA register register.fca.org.uk
Its Companies House record gov.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk