Openbrix Ltd

Reference number: 993209

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Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Responsible principal firm

CREDIT LADDER LIMITED Reference number: 811994 Authorised View firm →

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    Regent Street, Clifton, Bristol, B58 4HU, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode B58 4HU
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Other names (1)

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

  • tlyfe Trading name

Past FCA permissions and consumer protection

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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
11305881
Company status
Active
Company type
Private limited company
Incorporated
12 April 2018 (8 years old)
Registered office
40 - 42 Regent Street, Clifton, Bristol, BS8 4HU, England
Nature of business
  • Web portals (SIC 63120)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam James Pigott Director Aug 1963 23 May 2019 17 other companies
John Peter Hards Director May 1955 24 Oct 2019 128 other companies
Shahad Ahmed Choudhury Director Jul 1981 14 Apr 2020 2 other companies
Gareth Rhys Williams Director Feb 1964 26 Jan 2022 348 other companies
Neil Richard Peers Director Aug 1975 14 Sep 2022 5 other companies
Edward William Fitzalan-Howard Director Dec 1956 25 Apr 2024 None
Matthew Dawson Spence Director Sep 1969 25 Apr 2024 1 other company
Adrienne Elizabeth Lea Clarke Director Mar 1964 2 Jan 2025 3 other companies

Other companies run by these 8 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
381
closed down
252
are FCA-registered
7

In the full report: all 381 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 on the FCA register, including one no longer authorised
  • The 119 companies these 8 directors run together
  • All 14 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

−£436k

Down £355k from −£80.6k

Cash at bank

£4,378

−99% from £388k

Employees (average)

0

Same as 0

Owed within a year

£679k

+29% from £528k

Net assets are negative: on its last balance sheet the company owed £436k 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 11305881. 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

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

Key events (9) All events (30)

2023

5 June 2023

  • Shahad Ahmed Choudhury gained significant control

Companies House

10 April 2023

  • Charolta Alberteris stopped being a part-owner

Companies House

11 March 2023

  • Status on the FCA register became "PSD Agent"

FCA register

2018

14 November 2018

  • Charolta Alberteris became a part-owner (25–50% of shares)
  • The Shoreditch Partnership LLP stopped being a part-owner

Companies House

2 August 2018

  • Shahad Ahmed Choudhury gave up control
  • The Shoreditch Partnership LLP became a part-owner (25–50% of shares)

Companies House

12 April 2018

  • Incorporated at Companies House
  • Shahad Ahmed Choudhury took control (75–100% of shares)

Companies House

In the full report: all 30 events

  • All 30 events in its history (9 shown here)
  • Every director appointment and resignation: 20
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Get the full report on Openbrix

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

  • 381 other companies its directors have run, named
  • 1 background check on its contact details
  • 6 years of accounts, charted
  • All 30 events in its history

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Frequently asked questions about this firm

Is Openbrix Ltd FCA authorised?
Openbrix Ltd (FRN 993209) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
Is Openbrix a scam or clone?
Openbrix 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 Openbrix?
Openbrix is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Who owns Openbrix?
Companies House lists one person with significant control of Openbrix: Mr Shahad Ahmed Choudhury (significant influence or control). Before that, it was controlled by The Shoreditch Partnership LLP and Ms Charolta Alberteris.
Who runs Openbrix?
Companies House lists 8 directors of Openbrix: Adam James Pigott, John Peter Hards, Shahad Ahmed Choudhury, Gareth Rhys Williams, Neil Richard Peers, Edward William Fitzalan-Howard and 2 more.
How long has Openbrix been in business?
The company was formed on 12 April 2018.
What do Openbrix’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of −£436k (down £355k from −£80.6k) and cash at bank of £4,378 (−99% from £388k).
Does Openbrix use any other names?
It trades as tlyfe.

Sources and links

The full report on Openbrix Ltd

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