Pliant Payments Limited: FCA regulated?

On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

Registered for 1 year
No FCA actions
Active company since 2024
Accounts filed up to 31 December 2025
On its latest accounts it owed £1.10m more than it owned
1 thing worth a closer look in the background checks

What does this mean?

Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

getpliant.com/en-gb (opens in a new tab)
Phone number

020 4592 0348
Address

8 Bishopsgate, Huckletree, Level 2, London, EC2N 4BQ, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When getpliant.com first appeared online, and whether it can receive email
What kind of line 020 4592 0348 is
Whether EC2N 4BQ is a shared office: 71 other firms give it

Other names (1)

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

Pliant Trading name: A name it trades under now.

Past FCA permissions and consumer protection

Money-laundering registration only
This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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: 15756434 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 June 2024 (2 years old)
Registered office: 8 Bishopsgate, Huckletree, Level 2, London, EC2N 4BQ, England
Nature of business: Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nayan Shakti Behal	Director	May 1985	20 Aug 2024	None
Malte Julian Rau	Director	May 1988	4 Apr 2025	None
Alexander Pfütze	Director	Jul 1978	4 Apr 2025	None
Paul Gary Harrald	Director	Jul 1965	15 Sep 2025	None
Karen Wai Yee Ko	Director	May 1985	15 Sep 2025	1 other company

Other companies run by these 5 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 company: 1
still active: 1

In the full report: all 1 company, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
Any that went into liquidation or administration
All 8 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Profit before tax

−£1.86m

Not compared: the previous accounts cover a different length of time

Net assets

−£1.10m

Down £863k from −£235k

Cash at bank

£343k

No earlier figure to compare

Employees (average)

11

+267% from 3

Net assets are negative: on its last balance sheet the company owed £1.10m more than it owned.

The previous accounts cover 7 months, so turnover and profit are not compared with them.

Assets and liabilities

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 15756434. 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

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

Key events (2) All events (14)

2025

5 March 2025

Registered with the FCA

FCA register

2024

2 June 2024

Incorporated at Companies House

Companies House

In the full report: all 14 events

All 14 events in its history (2 shown here)
Every director appointment and resignation: 11

Get the full report on Pliant Payments

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

1 other company its directors have run, named
3 background checks on its contact details, 1 flagged
All 14 events in its history

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Frequently asked questions about this firm

Is Pliant Payments Limited FCA authorised?

Pliant Payments Limited (FRN 1019557) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

What is Pliant Payments’ phone number and website?

The FCA register lists the phone number 020 4592 0348 and the website getpliant.com/en-gb for Pliant Payments. If you were given different contact details, use these to check with the firm before going any further.

Is Pliant Payments a scam or clone?

Pliant Payments is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with Pliant Payments?

Money you hand to Pliant Payments is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Who runs Pliant Payments?

Companies House lists 5 directors of Pliant Payments: Nayan Shakti Behal, Malte Julian Rau, Alexander Pfütze, Paul Gary Harrald and Karen Wai Yee Ko.

How long has Pliant Payments been in business?

The company was formed on 2 June 2024.

What do Pliant Payments’ latest accounts show?

Its latest accounts, to 31 December 2025, show profit before tax of −£1.86m (not compared: the previous accounts cover a different length of time) and net assets of −£1.10m (down £863k from −£235k).

Does Pliant Payments use any other names?

It trades as Pliant.