Universal Exchange and Travel Ltd

Reference number: 915842

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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.

  • No website on the FCA register

  • Phone number

    0121 824 3588

  • Address

    256 Dudley Road, Birmingham, B18 4HN, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 824 3588 is
  • Who else gives the postcode B18 4HN
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Other names (1)

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

  • Universal Exchange Trading 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
11315510
Company status
Active
Company type
Private limited company
Incorporated
18 April 2018 (8 years old)
Registered office
256 Dudley Road, Birmingham, B18 4HN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Mohammad Tariq Faqiri Director Jul 2001 18 Aug 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£21.2k

+70% from £12.5k

Employees (average)

3

+200% from 1

Owed within a year

£5,135

+5.9% from £4,851

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 11315510. 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

Universal Exchange and Travel’s history from the FCA register and Companies House, newest first.

Key events (8) All events (14)

2026

18 August 2026

  • Board replaced: its only director left and a new director took over

Companies House

2022

25 November 2022

  • Mir Abdul Karim gained significant control

Companies House

25 October 2022

  • Sahel Noori gave up control

Companies House

2020

27 February 2020

  • Regulated by the FCA from this date
  • Supervised by HMRC under the money laundering rules from this date
  • Registered as a small payment institution

FCA register

2018

18 April 2018

  • Incorporated at Companies House
  • Sahel Noori took control (75–100% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (8 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Universal Exchange and Travel

Other FCA-listed firms that share a director, phone number or address with Universal Exchange and Travel. 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 Universal Exchange and Travel

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

In Birmingham

2Pay LimitedBirminghamRegisteredAbu Exchange LtdBirminghamRegisteredAltras International LimitedBirminghamAuthorisedAps International LimitedBirminghamAuthorisedArise Ventures LtdBirminghamRegisteredBen Saad Services LtdBirminghamRegistered

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 Universal Exchange and Travel

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
  • 7 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Universal Exchange and Travel Ltd FCA authorised?
Yes, Universal Exchange and Travel Ltd (FRN 915842) is registered with the FCA and permitted to provide its regulated services.
What is Universal Exchange and Travel’s phone number?
The FCA register lists the phone number 0121 824 3588 for Universal Exchange and Travel. If you were given different contact details, use these to check with the firm before going any further.
Is Universal Exchange and Travel a scam or clone?
Universal Exchange and Travel 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 Universal Exchange and Travel?
Protection depends on which product you hold and how Universal Exchange and Travel handles your money, so check the specific product before you commit. You can also refer complaints about Universal Exchange and Travel to the Financial Ombudsman Service, free of charge.
Who owns Universal Exchange and Travel?
Companies House lists one person with significant control of Universal Exchange and Travel: Mr Mir Abdul Karim (significant influence or control). Before that, it was controlled by Sahel Noori.
Who runs Universal Exchange and Travel?
Companies House lists one director of Universal Exchange and Travel: Mohammad Tariq Faqiri.
How long has Universal Exchange and Travel been in business?
The company was formed on 18 April 2018, and has held its current FCA authorisation since February 2020.
What do Universal Exchange and Travel’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £21.2k (+70% from £12.5k).
Does Universal Exchange and Travel use any other names?
It trades as Universal Exchange.

Sources and links

The full report on Universal Exchange and Travel Ltd

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