Pave Fintech Limited

Reference number: 828125

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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 paveapp.com first appeared online, and whether it can receive email
  • What kind of line 07557 192298 is
  • Whether W1W 5PF is a shared office: 133 other firms give it
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Other names (3)

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

  • Pave Trading name
  • Portify Limited Former name
  • Portify Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (3 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Providing Credit Information Services

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
10780281
Company status
Active
Company type
Private limited company
Incorporated
19 May 2017 (9 years old)
Registered office
167-169 Great Portland Street, 5th Floor, London, W1W 5PF, England
Nature of business
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Sho Alexander Sugihara Director Jan 1990 19 May 2017 3 other companies
Natalie Leith Wellings Director Aug 1992 22 Mar 2024 1 other company

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
3
closed down
1
run together
1

In the full report: all 3 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 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£553k

Down £433k from −£121k

Cash at bank

£535k

+49% from £360k

Employees (average)

4

−64% from 11

Owed within a year

£94.6k

+60% from £59.1k

Net assets are negative: on its last balance sheet the company owed £553k more than it owned.

Assets and liabilities

In the full report: all 7 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 10780281. 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

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

Key events (7) All events (22)

2022

5 May 2022

  • Changed its registered name from "Portify Limited"

FCA register

2021

19 May 2021

  • Christopher Butcher stopped being a part-owner

Companies House

2019

1 November 2019

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

FCA register

2017

19 May 2017

  • Incorporated at Companies House
  • Christopher Butcher became a part-owner (25–50% of shares)
  • Sho Alexander Sugihara became a part-owner (25–50% of shares)

Companies House

In the full report: all 22 events

  • All 22 events in its history (7 shown here)
  • Every director appointment and resignation: 10
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Firms like Pave Fintech

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services 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 Pave Fintech

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 22 events in its history

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Frequently asked questions about this firm

Is Pave Fintech Limited FCA authorised?
Yes, Pave Fintech Limited (FRN 828125) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2019 and works as a lender. The FCA has placed no limits on its permissions.
What is Pave Fintech’s phone number and website?
The FCA register lists the phone number 07557 192298 and the website paveapp.com for Pave Fintech. If you were given different contact details, use these to check with the firm before going any further.
Is Pave Fintech a scam or clone?
Pave Fintech 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 Pave Fintech?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Pave Fintech handles your money, so check the specific product before you commit. You can also refer complaints about Pave Fintech to the Financial Ombudsman Service, free of charge.
Who owns Pave Fintech?
Companies House lists one person with significant control of Pave Fintech: Mr Sho Alexander Sugihara (25–50% of shares). Before that, it was controlled by Mr Christopher Butcher.
Who runs Pave Fintech?
Companies House lists 2 directors of Pave Fintech: Sho Alexander Sugihara and Natalie Leith Wellings.
How long has Pave Fintech been in business?
The company was formed on 19 May 2017, and has held its current FCA authorisation since November 2019.
What do Pave Fintech’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£553k (down £433k from −£121k) and cash at bank of £535k (+49% from £360k).
Does Pave Fintech use any other names?
It trades as Pave. It has previously used 2 other names: Portify Limited and Portify.

Sources and links

The full report on Pave Fintech Limited

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