Universe Payments Limited
Reference number: 554920
Instant download
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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Phone number
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Address
344-354 Gray's Inn Road, London, WC1X 8BP, United Kingdom
In the full report: 3 background checks
- When universemoney.io first appeared online, and whether it can receive email
- What kind of line 020 3151 0670 is
- Who else gives the postcode WC1X 8BP
Other names (3)
If you were contacted under any of these names, it is this firm.
- Universe Money Trading name: A name it trades under now.
- Capital Currencies Ltd Former name: A name it was registered under before.
- Cornerstone 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 (5 permissions)
- 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
- 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
- 3. Executing payment transactions (no credit line)
- 5. Issuing and/or acquiring of payment instruments.
- 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
- 05021694 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 January 2004 (22 years old)
- Registered office
- Fawley House, 2 Regatta Place, Marlow Road, Bourne End, Buckinghamshire, SL8 5TD, United Kingdom
- Nature of business
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- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Anthony James Quirke | Director | Mar 1970 | 4 Jun 2024 | 18 other companies |
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 companies
- 18
- closed down
- 9
- went insolvent
- 1
In the full report: all 18 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The one that went into liquidation or administration
- The 5 on the FCA register, including 3 no longer authorised
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£105k
+180% from £37.4k
Cash at bank
£53.8k
−74% from £204k
Employees (average)
3
+50% from 2
Owed within a year
£27.1k
−84% from £167k
* Cash at bank usually includes customers’ money.
Net assets
In the full report: all 5 years of accounts
- Every year from 2020 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 05021694. 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
Universe Payments’s history from the FCA register and Companies House, newest first.
2024
9 July 2024
- Changed its registered name from "Capital Currencies Ltd"
FCA register
4 June 2024
- Board replaced: both directors left and a new director took over
- Cornerstone FS PLC gave up control
- Endor Group Limited took control (75–100% of shares)
Companies House
2022
1 February 2022
- Cornerstone FS PLC took control (75–100% of shares)
- Craig Anderson Strong stopped being a part-owner
- Joanne Strong stopped being a part-owner
Companies House
2018
20 April 2018
- Became an authorised payment institution
FCA register
2016
1 July 2016
- Craig Anderson Strong became a part-owner (25–50% of shares)
- Joanne Strong became a part-owner (25–50% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2010
10 December 2010
- Regulated by the Financial Services Authority from this date
FCA register
2004
1 March 2004
- Supervised by HMRC under the money laundering rules from this date
FCA register
21 January 2004
- Incorporated at Companies House
Companies House
In the full report: all 29 events
- All 29 events in its history (14 shown here)
- Every director appointment and resignation: 9
Firms connected to Universe Payments
Other FCA-listed firms that share a director, phone number or address with Universe Payments. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
- past links
- 5
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
- 5 past links through former directors
Firms like Universe Payments
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 Universe Payments
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 18 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 29 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Universe Payments Limited FCA authorised?
What is Universe Payments’ phone number and website?
Is Universe Payments a scam or clone?
Is my money safe with Universe Payments?
Who owns Universe Payments?
Who runs Universe Payments?
How long has Universe Payments been in business?
What do Universe Payments’ latest accounts show?
Does Universe 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