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.
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No website on the FCA register
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Phone number
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Address
11 Garden Court, Tewin Road, Welwyn Garden city, Herts, AL7 1BH, England
In the full report: 2 background checks
- What kind of line 07345 762025 is
- Who else gives the postcode AL7 1BH
Other names (3)
If you were contacted under any of these names, it is this firm.
- Sends Trading name: A name it trades under now.
- Electronic Payment Solutions Ltd Former name: A name it was registered under before.
- Elpaso Former trading name: A name it used to trade under.
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
- 11070048 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 November 2017 (8 years old)
- Registered office
- 11 Garden Court Tewin Road, Welwyn Garden City, Herts, AL7 1BH, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Anastasiia Pervushyna | Director | Dec 1988 | 16 Mar 2023 | None |
| Alona Shevtsova | Director | Dec 1987 | 13 Sep 2024 | None |
| Zinaida Berezovskaya | Director | Jun 1995 | 22 Sep 2025 | None |
In the full report: every company its directors have run
- Confirmation that these 3 directors run no other company
- All 6 people who have been directors, with their dates
Filed accounts and finances
Turnover
£39.2m
+64% from £24.0m
Profit before tax
£5.63m
+199% from £1.88m
Net assets
£7.05m
+149% from £2.82m
Cash at bank
£7.91m
+12% from £7.07m
* Cash at bank usually includes customers’ money.
Turnover and profit
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 11070048. 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
Smartflow Payments’s history from the FCA register and Companies House, newest first.
2023
26 July 2023
- Changed its registered name from "Electronic Payment Solutions Ltd"
FCA register
20 March 2023
- Board replaced: both directors left and a new director took over
Companies House
19 January 2023
- Alona Shevtsova took control (75–100% of shares)
- Olena Sosiedka stopped being a part-owner
- Yuliya Sosyedka stopped being a part-owner
Companies House
2022
28 January 2022
- Olena Sosiedka became a part-owner (25–50% of shares)
- Yuliya Sosyedka became a part-owner (25–50% of shares)
Companies House
2020
14 September 2020
- Sergey Baymakov stopped being a part-owner
- Yaroslav Smakota stopped being a part-owner
Companies House
2019
25 April 2019
- Andriy Ostapko gave up control
- Sergey Baymakov became a part-owner (25–50% of shares)
- Yaroslav Smakota became a part-owner (25–50% of shares)
Companies House
6 January 2019
- Regulated by the FCA from this date
- Became an authorised e-money institution
FCA register
2017
17 November 2017
- Incorporated at Companies House
- Andriy Ostapko took control (75–100% of shares)
Companies House
In the full report: all 28 events
- All 28 events in its history (16 shown here)
- Every director appointment and resignation: 9
Firms connected to Smartflow Payments
Other FCA-listed firms that share a director, phone number or address with Smartflow Payments. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 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
Firms like Smartflow Payments
Other firms of the same type (payment or money transfer firm), nearest first.
In the St Albans (AL) postcode area
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 Smartflow Payments
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
- All 28 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Smartflow Payments’ latest accounts show?
Does Smartflow Payments use any other names?
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