Open Access Finance Ltd

Reference number: 741896

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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.

In the full report: 3 background checks

  • When unbolted.com first appeared online, and whether it can receive email
  • What kind of line 020 3567 1300 is
  • Who else gives the postcode EC2R 7AS
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Other names (2)

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

  • OnStep Trading name
  • Unbolted Trading name

Past FCA permissions and consumer protection

  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Permissions on the FCA record

  • Hold or safeguard your money
Show FCA detail (1 permission)
  • Operating an electronic system in relation to lending

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
08778211
Company status
Active
Company type
Private limited company
Incorporated
18 November 2013 (12 years old)
Registered office
Token House, 11-12 Token House Yard, London, EC2R 7AS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ritosubhro Haldar Director Jul 1977 18 Nov 2013 2 other companies
Ashwin Parameswaran Director Sep 1980 18 Nov 2013 2 other companies

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
run together
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
  • The 2 companies these 2 directors run together
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Total equity

£867k

+2.7% from £844k

Cash at bank

£604k

+6.8% from £565k

Employees (average)

6

Same as 6

Owed within a year

£31.1k

−6.4% from £33.2k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 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 08778211. 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

Open Access Finance’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2017

8 June 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

7 December 2016

  • Ashwin Parameswaran stopped being a part-owner
  • Ritosubhro Haldar stopped being a part-owner

Companies House

6 April 2016

  • Ashwin Parameswaran became a part-owner (25–50% of shares)
  • Ritosubhro Haldar became a part-owner (25–50% of shares)

Companies House

2013

18 November 2013

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms like Open Access Finance

Other firms of the same type (peer-to-peer lending platform), nearest first.

In London

Aviation and Tech Capital LtdLondonAuthorisedBlend Loan Network LimitedLondonAuthorisedBusiness Loan Network LimitedLondonAuthorisedCrowd2Fund LimitedLondonAuthorisedCrowdestates LimitedLondonAuthorisedDenmark Square LimitedLondonAuthorised

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 Open Access Finance

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Open Access Finance Ltd FCA authorised?
Yes, Open Access Finance Ltd (FRN 741896) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2017 and works as a peer-to-peer lending platform. The FCA has placed no limits on its permissions.
What is Open Access Finance’s phone number and website?
The FCA register lists the phone number 020 3567 1300 and the website unbolted.com/uk for Open Access Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Open Access Finance a scam or clone?
Open Access Finance 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 Open Access Finance?
It is permitted to hold and control client money, which it must keep separate from its own. Protection depends on which product you hold and how Open Access Finance handles your money, so check the specific product before you commit. You can also refer complaints about Open Access Finance to the Financial Ombudsman Service, free of charge.
Who owns Open Access Finance?
Companies House lists no one with significant control of Open Access Finance now. Before that, it was controlled by Mr Ritosubhro Haldar and Mr Ashwin Parameswaran.
Who runs Open Access Finance?
Companies House lists 2 directors of Open Access Finance: Ritosubhro Haldar and Ashwin Parameswaran.
How long has Open Access Finance been in business?
The company was formed on 18 November 2013, and has held its current FCA authorisation since June 2017.
What do Open Access Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show total equity of £867k (+2.7% from £844k) and cash at bank of £604k (+6.8% from £565k).
Does Open Access Finance use any other names?
It trades as OnStep and Unbolted.

Sources and links

The full report on Open Access Finance Ltd

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