Saaf Services Limited

Reference number: 610883

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Registered with the FCA

This firm is registered as a small payment institution. That is a lighter regime than full FCA authorisation, applied to smaller payment firms, and safeguarding of customer money is optional at this size.

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

  • Phone number

    020 8616 4224

  • Address

    6 Burlington Parade, Cricklewood Broadway, London, Barnet, NW2 6QG, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8616 4224 is
  • Who else gives the postcode NW2 6QG
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Other names (3)

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

  • Saaf Remit Trading name
  • AY Money Transfer Ltd Former name
  • Ay Money Transfer Former trading name

FCA permissions and consumer protection

  • Handle payments & transfers No FSCS cover
    Safeguarding is optional for a payment firm of this size, so your money may not be held in a separate protected account. Ask the firm whether it safeguards customer funds before sending it money. FSCS protection does not apply either way.
  • 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 (1 permission)
  • 6. Money remittance.

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
08759411
Company status
Active
Company type
Private limited company
Incorporated
4 November 2013 (12 years old)
Registered office
6 Burlington Parade, Cricklewood Broadway, London, NW2 6QG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Haroon Elahi Director Dec 1992 16 May 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

£551

Up £6,406 from −£5,855

Employees (average)

1

−50% from 2

Owed within a year

£1,503

−86% from £10.6k

Net assets

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 08759411. 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

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

Key events (9) All events (15)

2025

23 May 2025

  • Changed its registered name from "AY Money Transfer Ltd"

FCA register

16 May 2025

  • Board replaced: its only director left and a new director took over
  • Sasikalathevy Yoganathan gave up control

Companies House

15 May 2025

  • Haroon Elahi took control (75–100% of shares)

Companies House

2018

5 February 2018

  • Registered as a small payment institution

FCA register

2016

18 December 2016

  • Sasikalathevy Yoganathan took control (75–100% of shares)

Companies House

2013

1 December 2013

  • Supervised by HMRC under the money laundering rules from this date

FCA register

28 November 2013

  • Regulated by the FCA from this date

FCA register

4 November 2013

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (9 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Saaf Services

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

connected firm
1
no longer authorised
1
share its postcode
1

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
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Firms like Saaf Services

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

In London

StoneX Financial LtdLondonAuthorisedReal Transfer LimitedLondonAuthorisedOnafriq UK LimitedLondonAuthorisedDaytona Capital Management LimitedLondonAuthorisedSable International FX LimitedLondonAuthorisedTrolley Payments UK LtdLondonAuthorised

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 Saaf Services

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Saaf Services Limited FCA authorised?
Yes, Saaf Services Limited (FRN 610883) is registered with the FCA and permitted to provide its regulated services.
What is Saaf Services’ phone number?
The FCA register lists the phone number 020 8616 4224 for Saaf Services. If you were given different contact details, use these to check with the firm before going any further.
Is Saaf Services a scam or clone?
Saaf Services 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 Saaf Services?
Protection depends on which product you hold and how Saaf Services handles your money, so check the specific product before you commit. You can also refer complaints about Saaf Services to the Financial Ombudsman Service, free of charge.
Who owns Saaf Services?
Companies House lists one person with significant control of Saaf Services: Mr Haroon Elahi (75–100% of shares). Before that, it was controlled by Mrs Sasikalathevy Yoganathan.
Who runs Saaf Services?
Companies House lists one director of Saaf Services: Haroon Elahi.
How long has Saaf Services been in business?
The company was formed on 4 November 2013, and has held its current FCA authorisation since February 2018.
What do Saaf Services’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £551 (up £6,406 from −£5,855).
Does Saaf Services use any other names?
It trades as Saaf Remit. It has previously used 2 other names: AY Money Transfer Ltd and Ay Money Transfer.

Sources and links

The full report on Saaf Services Limited

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