Sendspend Limited
Reference number: 932841
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Registered with the FCA
This firm is registered as a small e-money institution. That is a lighter regime than full FCA authorisation, applied to smaller e-money firms, though it must still safeguard the money it holds.
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.
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Phone number
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Address
12 Hammersmith Grove, London, W6 7AP, United Kingdom
In the full report: 3 background checks
- When sendspend.com first appeared online, and whether it can receive email
- What kind of line 020 8077 5472 is
- Who else gives the postcode W6 7AP
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour 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, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
- a) Services enabling cash placement on a payment account
- b) Services enabling cash withdrawals from a payment account
- c) Execution of payment transactions (not covered by a credit line)
- d) Execution of payment transactions (covered by a credit line)
- e) Issuing payment instruments or acquiring payment transactions
- f) Money remittance
- h) Issuing Electronic Money
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
- 09964977 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 January 2016 (10 years old)
- Registered office
- 12 Hammersmith Grove, London, W6 7AP, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Tracy Andersson | Director | Aug 1966 | 22 Jan 2016 | 3 other companies |
| Graham Ashley Davies | Director | Sep 1967 | 22 Jan 2016 | 1 other company |
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
- 3
- closed down
- 2
- run together
- 1
In the full report: all 3 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
- The 1 company these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£405k
Down £263k from −£142k
Cash at bank
£51.9k
Up £50.8k from £1,134
Employees (average)
3
Same as 3
Owed within a year
£164k
−12% from £187k
Net assets are negative: on its last balance sheet the company owed £405k more than it owned.
* Cash at bank usually includes customers’ money.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2019 to 2024
- The chart, over every year
- Every filed figure, year by year
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 09964977. 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
Sendspend’s history from the FCA register and Companies House, newest first.
2022
4 February 2022
- Graham Ashley Davies stopped being a part-owner
- Sendspend Group Limited took control (75–100% of shares)
- Tracy Andersson stopped being a part-owner
Companies House
2021
19 April 2021
- Regulated by the FCA from this date
- Status on the FCA register became "Small Electronic Money Institution"
FCA register
2016
6 April 2016
- Graham Ashley Davies became a part-owner (25–50% of shares)
- Tracy Andersson became a part-owner (25–50% of shares)
Companies House
22 January 2016
- Incorporated at Companies House
Companies House
In the full report: all 12 events
- All 12 events in its history (8 shown here)
- Every director appointment and resignation: 4
Firms connected to Sendspend
Other FCA-listed firms that share a director, phone number or address with Sendspend. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Sendspend
Other firms of the same type (payment or money transfer firm), nearest first.
In London
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 Sendspend
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 12 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Sendspend Limited FCA authorised?
What is Sendspend’s phone number and website?
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Is my money safe with Sendspend?
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Who runs Sendspend?
How long has Sendspend been in business?
What do Sendspend’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk