Security for Expenses Ltd

Reference number: 764090

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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.

In the full report: 3 background checks

  • When securityforexpenses.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3773 2889 is
  • Who else gives the postcode KT1 2JW
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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
10113125
Company status
Active
Company type
Private limited company
Incorporated
8 April 2016 (10 years old)
Registered office
7 Bridle Close, Kingston Upon Thames, KT1 2JW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Mikael Jerzy Rust Director Aug 1954 8 Apr 2016 1 other company
Richard Clive David Pugh Director Nov 1960 1 Oct 2021 9 other companies

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
10
closed down
3
still active
7

In the full report: all 10 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£522k

No earlier figure to compare

Owed within a year

£85.6k

−4.6% from £89.7k

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 10113125. 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

Security for Expenses’s history from the FCA register and Companies House, newest first.

Key events (10) All events (16)

2024

4 April 2024

  • Mikael Jerzy Rust gained significant control
  • Mikael Jerzy Rust no longer has significant control
  • Richard Clive David Pugh became a part-owner (25–50% of shares)

Companies House

2023

10 July 2023

  • Grazyna Stanislawa Rust stopped being a part-owner

Companies House

2019

30 August 2019

  • Grazyna Stanislawa Rust became a part-owner (25–50% of shares)

Companies House

2018

31 October 2018

  • Registered as a small payment institution

FCA register

2016

10 November 2016

  • Regulated by the FCA from this date

FCA register

1 October 2016

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

FCA register

8 April 2016

  • Incorporated at Companies House
  • Mikael Jerzy Rust gained significant control

Companies House

In the full report: all 16 events

  • All 16 events in its history (10 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Security for Expenses

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Security for Expenses

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

In the Kingston upon Thames (KT) postcode area

Alma Attic LimitedWest ByfleetRegisteredFunding Alternative Group LimitedChessingtonRegistered for money laundering rulesPractika Finance LtdKingstonAuthorisedWolters Kluwer (UK) LimitedEnglandRegisteredGiveall Payment Services LimitedWest ByfleetRegistered

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 Security for Expenses

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Security for Expenses Ltd FCA authorised?
Yes, Security for Expenses Ltd (FRN 764090) is registered with the FCA and permitted to provide its regulated services.
What is Security for Expenses’ phone number and website?
The FCA register lists the phone number 020 3773 2889 and the website securityforexpenses.co.uk for Security for Expenses. If you were given different contact details, use these to check with the firm before going any further.
Is Security for Expenses a scam or clone?
Security for Expenses 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 Security for Expenses?
Protection depends on which product you hold and how Security for Expenses handles your money, so check the specific product before you commit. You can also refer complaints about Security for Expenses to the Financial Ombudsman Service, free of charge.
Who owns Security for Expenses?
Companies House lists 2 people with significant control of Security for Expenses: Mr Richard Clive David Pugh (25–50% of shares) and Mr Mikael Jerzy Rust (significant influence or control). Before that, it was controlled by Mrs Grazyna Stanislawa Rust.
Who runs Security for Expenses?
Companies House lists 2 directors of Security for Expenses: Mikael Jerzy Rust and Richard Clive David Pugh.
How long has Security for Expenses been in business?
The company was formed on 8 April 2016, and has held its current FCA authorisation since October 2018.
What do Security for Expenses’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £522k (no earlier figure to compare).

Sources and links

The full report on Security for Expenses Ltd

£19.99 · Instant PDF download

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