On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
- Registered for 4 years
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £20.1k more than it owned
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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
-
No phone number on the FCA register
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Address
Eagle House, 161 City Road, London, EC1V 1NR, United Kingdom
In the full report: 1 background check
- Who else gives the postcode EC1V 1NR
Other names (1)
If you were contacted under any of these names, it is this firm.
- Two Trading name: A name it trades under now.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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
- 13622447 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 September 2021 (5 years old)
- Registered office
- Wework, 10 Devonshire Square, London, EC2M 4YP, England
- Nature of business
-
- Other information technology service activities (SIC 62090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| TWO B2B LTD | Corporate director | Not published | 15 Sep 2021 | None |
| Andreas Mjelde | Director | May 1983 | 10 Oct 2023 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
−£20.1k
Up £1,254 from −£21.4k
Cash at bank
£10.6k
−100% from £2.99m
Employees (average)
0
Same as 0
Owed within a year
£401k
−87% from £3.17m
Net assets are negative: on its last balance sheet the company owed £20.1k more than it owned.
Net assets
In the full report: all 4 years of accounts
- Every year from 2022 to 2025
- 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 13622447. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Two Finance’s history from the FCA register and Companies House, newest first.
2022
6 April 2022
- Registered with the FCA
FCA register
2021
15 September 2021
- Incorporated at Companies House
- Two B2b Ltd took control (75–100% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (3 shown here)
- Every director appointment and resignation: 3
Get the full report on Two Finance
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
- 1 background check on its contact details
- 4 years of accounts, charted
- All 7 events in its history
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Frequently asked questions about this firm
Is Two Finance Ltd FCA authorised?
Is Two Finance a scam or clone?
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What do Two Finance’s latest accounts show?
Does Two Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk