Uphold Europe Limited

Reference number: 938277

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is how cryptoasset firms are registered. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

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 compensation to fall back on. The FCA's own position is that crypto is largely unregulated in the UK and that compensation for crypto losses is highly unlikely.

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 uphold.com first appeared online, and whether it can receive email
  • What kind of line 0808 164 1974 is
  • Who else gives the postcode W1W 8DH
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Other names (4)

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

  • EasyCrypto Trading name
  • Topper Trading name
  • Topper Pay Trading name
  • Uphold Trading name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This 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 generally does not cover unregulated cryptoasset activity.

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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
09281410
Company status
Active
Company type
Private limited company
Incorporated
27 October 2014 (11 years old)
Registered office
Eastcastle House, 27/28 Eastcastle Street, London, W1W 8DH, United Kingdom
Nature of business
  • Business and domestic software development (SIC 62012)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon Mcloughlin Director Dec 1966 1 Feb 2018 None
Alistair Dougal Morrison Director Mar 1956 1 Apr 2019 2 other companies
Kevin Vere Ludwick Director Jan 1964 1 Nov 2021 2 other companies
MSP CORPORATE SERVICES LIMITED Corporate secretary Not published 1 May 2023 –

Other companies run by these 3 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 companies
3
still active
3
are FCA-registered
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 3 directors run together
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2022Group accountsAudited

Turnover

£14.4m

First group accounts: no earlier group figure to compare

Profit before tax

−£6.71m

First group accounts: no earlier group figure to compare

Net assets

£3.43m

First group accounts: no earlier group figure to compare

Cash at bank

£16.8m

First group accounts: no earlier group figure to compare

Its next accounts are overdue at Companies House.

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.

Figures from the year to 31 December 2022 are for the group: the company and the businesses it owns. Earlier years are the company’s own accounts, from before it had a group.

The figures for the year to 31 December 2022 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

Accounts filed at Companies House for company 09281410. 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

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

Key events (7) All events (28)

2026

3 March 2026

  • Uphold Ltd gave up control

Companies House

2022

1 March 2022

  • Regulated by the FCA from this date

FCA register

17 February 2022

  • Registered with the FCA

FCA register

2018

2 February 2018

  • Board replaced: both directors left and a new director took over

Companies House

2016

6 April 2016

  • Uphold Ltd took control (75–100% of shares)

Companies House

7 January 2016

  • Board replaced: its only director left and 2 new directors took over

Companies House

2014

27 October 2014

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (7 shown here)
  • Every director appointment and resignation: 17
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Firms connected to Uphold Europe

Other FCA-listed firms that share a director, phone number or address with Uphold Europe. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
2
share its postcode
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same postcode (4)
  • Who links each one: the named directors, with dates
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Get the full report on Uphold Europe

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 28 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Uphold Europe Limited FCA authorised?
Uphold Europe Limited (FRN 938277) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Uphold Europe’s phone number and website?
The FCA register lists the phone number 0808 164 1974 and the website uphold.com/en-gb for Uphold Europe. If you were given different contact details, use these to check with the firm before going any further.
Is Uphold Europe a scam or clone?
Uphold Europe is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Uphold Europe?
Money you hand to Uphold Europe is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Uphold Europe?
Companies House lists no one with significant control of Uphold Europe now. Before that, it was controlled by Uphold Ltd.
Who runs Uphold Europe?
Companies House lists 3 directors of Uphold Europe: Simon McLoughlin, Alistair Dougal Morrison and Kevin Vere Ludwick.
How long has Uphold Europe been in business?
The company was formed on 27 October 2014.
What do Uphold Europe’s latest accounts show?
Its latest accounts, to 31 December 2022, show turnover of £14.4m (first group accounts: no earlier group figure to compare) and profit before tax of −£6.71m (first group accounts: no earlier group figure to compare). Its accounts are overdue at Companies House.
Does Uphold Europe use any other names?
It trades as EasyCrypto, Topper, Topper Pay and Uphold.

Sources and links

The full report on Uphold Europe Limited

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