Smarttway Ltd

Reference number: 753469

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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 unirem.co.uk first appeared online, and whether it can receive email
  • What kind of line 07983 594713 is
  • Who else gives the postcode G42 8SG
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Other names (3)

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

  • Etemad Sarafi Trading name
  • Unirem Trading name
  • Tatapost Ltd Former 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
SC532751
Company status
Active
Company type
Private limited company
Incorporated
15 April 2016 (10 years old)
Registered office
545 Cathcart Road, Glasgow, G42 8SG, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Bilal Agha Director Aug 1997 1 Apr 2024 1 other company

Other companies run by its director

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 its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£16.8k

Down £18.1k from £1,312

Cash at bank

£3,289

No earlier figure to compare

Employees (average)

0

−100% from 2

Net assets are negative: on its last balance sheet the company owed £16.8k more than it owned.

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 SC532751. 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

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

Key events (11) All events (16)

2024

29 April 2024

  • Changed its registered name from "Tatapost Ltd"

FCA register

1 April 2024

  • Bilal Agha took control (75–100% of shares)

Companies House

31 March 2024

  • Board replaced: its only director left and a new director took over
  • Gurjit Singh Sembhy no longer has significant control

Companies House

2020

1 October 2020

  • Mahinder Singh no longer has significant control

Companies House

1 September 2020

  • Gurjit Singh Sembhy gained significant control
  • Mahinder Singh gained significant control

Companies House

2018

22 October 2018

  • Registered as a small payment institution

FCA register

2016

30 July 2016

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

FCA register

21 July 2016

  • Regulated by the FCA from this date

FCA register

15 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (11 shown here)
  • Every director appointment and resignation: 3
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Firms like Smarttway

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

In Glasgow

Centrexcard LimitedGlasgowRegisteredHafiz Bros Travel & Money Transfer LimitedGlasgowAuthorisedCROSSBARFX LimitedGlasgowAuthorised

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 Smarttway

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
  • 7 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Smarttway Ltd FCA authorised?
Yes, Smarttway Ltd (FRN 753469) is registered with the FCA and permitted to provide its regulated services.
What is Smarttway’s phone number and website?
The FCA register lists the phone number 07983 594713 and the website unirem.co.uk for Smarttway. If you were given different contact details, use these to check with the firm before going any further.
Is Smarttway a scam or clone?
Smarttway 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 Smarttway?
Protection depends on which product you hold and how Smarttway handles your money, so check the specific product before you commit. You can also refer complaints about Smarttway to the Financial Ombudsman Service, free of charge.
Who owns Smarttway?
Companies House lists one person with significant control of Smarttway: Mr Bilal Agha (75–100% of shares). Before that, it was controlled by Mr Gurjit Singh Sembhy and Mr Mahinder Singh.
Who runs Smarttway?
Companies House lists one director of Smarttway: Bilal Agha.
How long has Smarttway been in business?
The company was formed on 15 April 2016, and has held its current FCA authorisation since October 2018.
What do Smarttway’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£16.8k (down £18.1k from £1,312) and cash at bank of £3,289 (no earlier figure to compare).
Does Smarttway use any other names?
It trades as Etemad Sarafi and Unirem. It has previously used the name Tatapost Ltd.

Sources and links

The full report on Smarttway Ltd

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