Raylo Group Limited

Reference number: 841488

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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 raylo.com first appeared online, and whether it can receive email
  • What kind of line 01733 964932 is
  • Who else gives the postcode BT2 8GD
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Other names (2)

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

  • Raylo Trading name
  • Raylo Pay Trading name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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)
  • Credit Broking
  • Entering into Regulated Consumer Hire Agreements as owner
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
11554120
Company status
Active
Company type
Private limited company
Incorporated
5 September 2018 (8 years old)
Registered office
5 New Street Square, London, EC4A 3TW, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Morrison Fulton Director Jun 1969 5 Sep 2018 3 other companies
Karl William Gilbert Director Apr 1987 5 Sep 2018 1 other company
Luigi Tricarico Director Aug 1970 27 Feb 2023 20 other companies
WINSTON TAYLOR SECRETARIES LIMITED Corporate secretary Not published 5 Sep 2018 –

Other companies run by these 3 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
23
closed down
9
went insolvent
1

In the full report: all 23 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2024Full accountsAudited

Net assets

−£25.8m

Down £28.1m from £2.29m

Cash at bank

£1.95m

+16% from £1.68m

Employees (average)

69

+590% from 10

Owed within a year

£6.00m

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £25.8m more than it owned.

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 11554120. 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

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

Key events (8) All events (24)

2023

13 June 2023

  • Raylo Holdings Limited took control (75–100% of shares)

Companies House

2020

29 September 2020

  • Karl William Gilbert stopped being a part-owner
  • Richard Morrison Fulton stopped being a part-owner

Companies House

2019

29 May 2019

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

FCA register

2018

5 September 2018

  • Incorporated at Companies House
  • Karl William Gilbert became a part-owner (25–50% of shares)
  • Richard Morrison Fulton became a part-owner (25–50% of shares)

Companies House

In the full report: all 24 events

  • All 24 events in its history (8 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Raylo Group

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

connected firm
1
share its postcode
1
past links
2

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
  • 2 past links through former directors
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Firms like Raylo Group

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

In Belfast

The Consumer CouncilBelfastAuthorisedBrian GeorgeBelfastAuthorisedBrian GrantBelfastAuthorisedCharles CaseyBelfastAuthorisedClara Smyth, Jonathan Smyth & Cathy SmythBelfastAuthorisedDavid DornanBelfastAuthorised

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 Raylo Group

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

  • 23 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 24 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Raylo Group Limited FCA authorised?
Yes, Raylo Group Limited (FRN 841488) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2019 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Raylo Group’s phone number and website?
The FCA register lists the phone number 01733 964932 and the website raylo.com for Raylo Group. If you were given different contact details, use these to check with the firm before going any further.
Is Raylo Group a scam or clone?
Raylo Group 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 Raylo Group?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Raylo Group handles your money, so check the specific product before you commit. You can also refer complaints about Raylo Group to the Financial Ombudsman Service, free of charge.
Who owns Raylo Group?
Raylo Group is owned by Raylo Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 13 June 2023. Before that, it was controlled by Mr Richard Morrison Fulton and Mr Karl William Gilbert.
Who runs Raylo Group?
Companies House lists 3 directors of Raylo Group: Richard Morrison Fulton, Karl William Gilbert and Luigi Tricarico.
How long has Raylo Group been in business?
The company was formed on 5 September 2018, and has held its current FCA authorisation since May 2019.
What do Raylo Group’s latest accounts show?
Its latest accounts, to 30 September 2024, show net assets of −£25.8m (down £28.1m from £2.29m) and cash at bank of £1.95m (+16% from £1.68m).
Does Raylo Group use any other names?
It trades as Raylo and Raylo Pay.

Sources and links

The full report on Raylo Group Limited

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