Upscore Ltd

Reference number: 1011029

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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 upscoreapp.com first appeared online, and whether it can receive email
  • What kind of line 020 7014 8060 is, and the 2 other firms that give it
  • Who else gives the postcode EC1M 6BB
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FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (2 permissions)
  • Credit Broking
  • Providing Credit Information Services

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
6 March 2023 (3 years old)
Registered office
1-2 Charterhouse Mews, London, EC1M 6BB, United Kingdom
Nature of business
  • Other information technology service activities (SIC 62090)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas George Carew Colvin Director Aug 1983 6 Mar 2023 3 other companies
Marcelo Barreneche Director Jun 1985 22 Jun 2026 None

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 companies
3
closed down
1
still active
2

In the full report: all 3 companies, 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 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

−£611k

Down £581k from −£29.1k

Cash at bank

£449k

−38% from £726k

Employees (average)

2

Same as 2

Owed within a year

£1,952

−97% from £74.4k

Net assets are negative: on its last balance sheet the company owed £611k more than it owned.

Assets and liabilities

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 14707637. 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

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

2024

1 October 2024

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2023

1 April 2023

  • Marcelo Barreneche became a part-owner (25–50% of shares)

Companies House

6 March 2023

  • Incorporated at Companies House
  • Thomas George Carew Colvin gained significant control

Companies House

In the full report: all 16 events

  • All 16 events in its history (5 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Upscore

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

connected firms
2
share its phone number
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Upscore

Other firms of the same type (credit broker), 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 Upscore

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 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Upscore Ltd FCA authorised?
Yes, Upscore Ltd (FRN 1011029) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2024 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Upscore’s phone number and website?
The FCA register lists the phone number 020 7014 8060 and the website upscoreapp.com for Upscore. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Upscore a scam or clone?
Upscore 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 Upscore?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Upscore handles your money, so check the specific product before you commit. You can also refer complaints about Upscore to the Financial Ombudsman Service, free of charge.
Who owns Upscore?
Companies House lists 2 people with significant control of Upscore: Marcelo Barreneche (25–50% of shares) and Thomas George Carew Colvin (can appoint and remove the board).
Who runs Upscore?
Companies House lists 2 directors of Upscore: Thomas George Carew Colvin and Marcelo Barreneche.
How long has Upscore been in business?
The company was formed on 6 March 2023, and has held its current FCA authorisation since October 2024.
What do Upscore’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of −£611k (down £581k from −£29.1k) and cash at bank of £449k (−38% from £726k).

Sources and links

The full report on Upscore Ltd

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