Unity Link Financial Services Limited

Reference number: 504521

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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.

In the full report: 3 background checks

  • When unitylink.com first appeared online, and whether it can receive email
  • What kind of line 020 8772 2160 is
  • Who else gives the postcode W6 0LG
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FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your 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, 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 status
Active
Company type
Private limited company
Incorporated
17 April 1998 (28 years old)
Registered office
5-17 The Triangle Hammersmith Grove, London, W6 0LG, England
Nature of business
  • Activities of other holding companies not elsewhere classified (SIC 64209)

Directors and company secretaries

Name Role Born Appointed Other companies
Douglas Osei Mensah Director Jul 1958 5 May 1998 None
Surendra Appadoo Director Nov 1967 30 Dec 2025 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 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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 18 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsAudited

Net assets

£2.62m

−32% from £3.85m

Cash at bank

£3.12m

+28% from £2.44m

Employees (average)

15

−40% from 25

Owed within a year

£2.30m

+87% from £1.23m

* Cash at bank usually includes customers’ money.

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.

Accounts filed at Companies House for company 03547586. 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

Unity Link Financial Services’s history from the FCA register and Companies House, newest first.

2018

25 July 2018

  • Changed its registered name from "Unity Link Financial Services Limited"

FCA register

19 March 2018

  • Regulated by the FCA from this date
  • No longer regulated by the FCA
  • Became an authorised payment institution

FCA register

2016

6 April 2016

  • Douglas Osei Mensah took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

1998

17 April 1998

  • Incorporated at Companies House

Companies House

In the full report: all 39 events

  • All 39 events in its history (7 shown here)
  • Every director appointment and resignation: 32
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Firms connected to Unity Link Financial Services

Other FCA-listed firms that share a director, phone number or address with Unity Link Financial Services. 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
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Firms like Unity Link Financial Services

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 Unity Link Financial Services

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 39 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Unity Link Financial Services Limited FCA authorised?
Yes, Unity Link Financial Services Limited (FRN 504521) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Unity Link Financial Services’ phone number and website?
The FCA register lists the phone number 020 8772 2160 and the website unitylink.com for Unity Link Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Unity Link Financial Services a scam or clone?
Unity Link Financial Services 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 Unity Link Financial Services?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Unity Link Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Unity Link Financial Services?
Companies House lists one person with significant control of Unity Link Financial Services: Mr Douglas Osei Mensah (75–100% of shares).
Who runs Unity Link Financial Services?
Companies House lists 2 directors of Unity Link Financial Services: Douglas Osei Mensah and Surendra Appadoo.
How long has Unity Link Financial Services been in business?
The company was formed on 17 April 1998, and has held its current FCA authorisation since March 2018.
What do Unity Link Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £2.62m (−32% from £3.85m) and cash at bank of £3.12m (+28% from £2.44m).

Sources and links

The full report on Unity Link Financial Services Limited

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