Reflow Zone Limited

Reference number: 811078

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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, 2 things worth a closer look

  • When novacpayment.com first appeared online, and whether it can receive email
  • What kind of line 020 3371 7667 is
  • Whether EC2A 4NE is a shared office: 82 other firms give it
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Other names (6)

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

  • Novac Payment Trading name
  • Avinalytics Limited Former name
  • Avinalytics Former trading name
  • MoneyValue Former trading name
  • reflow Former trading name
  • WebPay Former trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • 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 (2 permissions)
  • 7. Payment initiation services
  • 8. Account 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
11235853
Company status
Active
Company type
Private limited company
Incorporated
6 March 2018 (8 years old)
Registered office
86-90 Paul Street, London, EC2A 4NE, England
Nature of business
  • Information technology consultancy activities (SIC 62020)

Directors and company secretaries

Name Role Born Appointed Other companies
Etimbuk Bassey Director Jul 1981 5 Nov 2024 1 other company
Hassan Oluwatobi Director Aug 1988 5 Nov 2024 None

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 company
1
closed down
1

In the full report: all 1 company, 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£36.6k

−20% from £45.8k

Employees (average)

2

+100% from 1

Owed within a year

£495

Up £396 from £99

Net assets

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 11235853. 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

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

Key events (16) All events (33)

2024

5 November 2024

  • Deepak Monga stopped being the majority owner
  • Diptesh Mishra stopped being a part-owner
  • Etimbuk Bassey became a part-owner (25–50% of shares)
  • Hassan Oluwatobi became the majority owner (50–75% of shares)

Companies House

2020

4 September 2020

  • Manish Garg stopped being a part-owner

Companies House

2019

18 April 2019

  • Diptesh Mishra became a part-owner (25–50% of shares)

Companies House

2 March 2019

  • Changed its registered name from "Avinalytics Limited"

FCA register

28 February 2019

  • Deepak Monga became the majority owner (50–75% of shares)
  • Diyaan IT Services Provider Ltd stopped being a part-owner
  • Manish Garg became a part-owner (25–50% of shares)
  • Shakuntalam Associates Limited stopped being a part-owner

Companies House

2018

10 October 2018

  • Became an authorised payment institution

FCA register

7 June 2018

  • Regulated by the FCA from this date

FCA register

6 March 2018

  • Incorporated at Companies House
  • Diyaan IT Services Provider Ltd became a part-owner (25–50% of shares)
  • Shakuntalam Associates Limited became a part-owner (25–50% of shares)

Companies House

In the full report: all 33 events

  • All 33 events in its history (16 shown here)
  • Every director appointment and resignation: 8
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Firms like Reflow Zone

Other firms of the same type (payment or money transfer firm), nearest first.

In London

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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 Reflow Zone

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, 2 flagged
  • 6 years of accounts, charted
  • All 33 events in its history

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Frequently asked questions about this firm

Is Reflow Zone Limited FCA authorised?
Yes, Reflow Zone Limited (FRN 811078) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Reflow Zone’s phone number and website?
The FCA register lists the phone number 020 3371 7667 and the website novacpayment.com/uk for Reflow Zone. If you were given different contact details, use these to check with the firm before going any further.
Is Reflow Zone a scam or clone?
Reflow Zone 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 Reflow Zone?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Reflow Zone to the Financial Ombudsman Service, free of charge.
Who owns Reflow Zone?
Companies House lists 2 people with significant control of Reflow Zone: Mr Hassan Oluwatobi (50–75% of shares) and Mr Etimbuk Bassey (25–50% of shares). Before that, it was controlled by Mr Diptesh Mishra, Mr Deepak Monga and Mr Manish Garg.
Who runs Reflow Zone?
Companies House lists 2 directors of Reflow Zone: Etimbuk Bassey and Hassan Oluwatobi.
How long has Reflow Zone been in business?
The company was formed on 6 March 2018, and has held its current FCA authorisation since October 2018.
What do Reflow Zone’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £36.6k (−20% from £45.8k).
Does Reflow Zone use any other names?
It trades as Novac Payment. It has previously used 5 other names, including Avinalytics Limited, Avinalytics and MoneyValue.

Sources and links

The full report on Reflow Zone Limited

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