Valid8 IP LTD

Reference number: 1028977

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

MY CREDIT SCORE LTD Reference number: 713043 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Valid8 IP LTD (FRN 1028977) is an AR of MY CREDIT SCORE LTD (FRN 713043). When you use Valid8 IP's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Valid8 IP, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 valid8.co.uk first appeared online, and whether it can receive email
  • What kind of line 07385 990519 is
  • Who else gives the postcode WA14 1SG
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Other names (1)

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

  • Valid8 Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through My Credit Score Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
10568205
Company status
Active
Company type
Private limited company
Incorporated
17 January 2017 (9 years old)
Registered office
Suite 3 Foundation 2 George Street, Stamford Quarter, Altrincham, WA14 1SG, England
Nature of business
  • Data processing, hosting and related activities (SIC 63110)

Directors and company secretaries

Name Role Born Appointed Other companies
Daryl Hayes Director Nov 1987 27 Sep 2022 1 other company
Ryan Thomas Hayes Director Jun 1984 14 Feb 2025 2 other companies
Anthony Owen Director Jun 1982 14 Feb 2025 10 other companies

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
12
closed down
6
run together
1

In the full report: all 12 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 1 company these 3 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Small company accountsNot audited

Net assets

£2.54m

+629% from £349k

Cash at bank

£4.72m

Up £4.49m from £232k

Employees (average)

0

Same as 0

Owed within a year

£3.00m

+727% from £363k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 10568205. 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

Valid8 IP’s history from the FCA register and Companies House, newest first.

Key events (5) All events (18)

2025

6 March 2025

  • Became an appointed representative

FCA register

14 February 2025

  • Louise Dawn Yates stopped being a part-owner

Companies House

2021

21 April 2021

  • Geni Financial Services Ltd took control (75–100% of shares)
  • Louise Dawn Yates became a part-owner (25–50% of shares)

Companies House

2017

17 January 2017

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (5 shown here)
  • Every director appointment and resignation: 11
Instant PDF download

Firms like Valid8 IP

Other firms of the same type (mortgage adviser or broker), nearest first.

In Altrincham

Attache LimitedAltrinchamAppointed representativeCheshire Asset Finance LimitedAltrinchamAppointed representativeClayton Hulme Corporate LimitedAltrinchamAppointed representativeHawkstone Financial Services LimitedAltrinchamAppointed representativeLIFT-Mortgages LimitedAltrinchamAppointed representativeLomond Mortgages LimitedAltrinchamAppointed representative

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 Valid8 IP

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 18 events in its history

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Frequently asked questions about this firm

Is Valid8 IP LTD FCA authorised?
Valid8 IP LTD (FRN 1028977) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Valid8 IP?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Valid8 IP LTD (FRN 1028977) is an AR of MY CREDIT SCORE LTD (FRN 713043). When you use Valid8 IP's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Valid8 IP, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Valid8 IP’s phone number and website?
The FCA register lists the phone number 07385 990519 and the website valid8.co.uk for Valid8 IP. If you were given different contact details, use these to check with the firm before going any further.
Is Valid8 IP a scam or clone?
Valid8 IP 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 Valid8 IP?
Protection works through My Credit Score Ltd, the principal firm responsible for Valid8 IP's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Valid8 IP?
Valid8 IP is owned by Geni Financial Services Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 21 April 2021. Before that, it was controlled by Ms Louise Dawn Yates.
Who runs Valid8 IP?
Companies House lists 3 directors of Valid8 IP: Daryl Hayes, Ryan Thomas Hayes and Anthony Owen.
How long has Valid8 IP been in business?
The company was formed on 17 January 2017.
What do Valid8 IP’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £2.54m (+629% from £349k) and cash at bank of £4.72m (up £4.49m from £232k).
Does Valid8 IP use any other names?
It trades as Valid8.

Sources and links

The full report on Valid8 IP LTD

£19.99 · Instant PDF download

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