Verify Online Ltd

Reference number: 964340

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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.

In the full report: 3 background checks

  • When verifyonline.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3977 8466 is
  • Who else gives the postcode RM4 1NB
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Other names (2)

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

  • www.Creditcheckonline.co.uk Trading name
  • www.Creditscore.expert Former trading name

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 (1 permission)
  • 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 number
12059440
Company status
Active
Company type
Private limited company
Incorporated
19 June 2019 (7 years old)
Registered office
124 City Road, London, EC1V 2NX, England
Nature of business
  • Data processing, hosting and related activities (SIC 63110)

Directors and company secretaries

Name Role Born Appointed Other companies
Brett Alexandre Adams Director Jul 1983 19 Jun 2019 11 other companies
Paul Macatonia Director Aug 1983 19 Jun 2019 None
Luke Wastell Director Mar 1984 19 Jun 2019 None

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
11
closed down
1
went insolvent
1

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Abridged accountsNot audited

Net assets

£85.2k

Up £85.0k from £117

Cash at bank

£104k

−1.5% from £105k

Employees (average)

0

Same as 0

Owed within a year

£906k

−21% from £1.15m

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
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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 12059440. 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

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

Key events (12) All events (21)

2022

19 May 2022

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

FCA register

2019

8 November 2019

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

Companies House

19 June 2019

  • Incorporated at Companies House
  • Brett Adams became a part-owner (25–50% of shares)
  • Brett Adams stopped being a part-owner
  • David Kershook became a part-owner (25–50% of shares)
  • David Kershook stopped being a part-owner
  • Luke Wastell became a part-owner (25–50% of shares)
  • Luke Wastell stopped being a part-owner
  • Paul Macatonia became a part-owner (25–50% of shares)
  • Paul Macatonia stopped being a part-owner

Companies House

In the full report: all 21 events

  • All 21 events in its history (12 shown here)
  • Every director appointment and resignation: 5
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Get the full report on Verify Online

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 21 events in its history

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Frequently asked questions about this firm

Is Verify Online Ltd FCA authorised?
Yes, Verify Online Ltd (FRN 964340) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2022. The FCA has placed no limits on its permissions.
What is Verify Online’s phone number and website?
The FCA register lists the phone number 020 3977 8466 and the website verifyonline.co.uk for Verify Online. If you were given different contact details, use these to check with the firm before going any further.
Is Verify Online a scam or clone?
Verify Online 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 Verify Online?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Verify Online handles your money, so check the specific product before you commit. You can also refer complaints about Verify Online to the Financial Ombudsman Service, free of charge.
Who owns Verify Online?
Verify Online is owned by Arba Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 8 November 2019. Before that, it was controlled by Mr Brett Adams, Mr Luke Wastell and Mr Paul Macatonia.
Who runs Verify Online?
Companies House lists 3 directors of Verify Online: Brett Alexandre Adams, Paul Macatonia and Luke Wastell.
How long has Verify Online been in business?
The company was formed on 19 June 2019, and has held its current FCA authorisation since May 2022.
What do Verify Online’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £85.2k (up £85.0k from £117) and cash at bank of £104k (−1.5% from £105k).
Does Verify Online use any other names?
It trades as www.Creditcheckonline.co.uk. It has previously used the name www.Creditscore.expert.

Sources and links

The full report on Verify Online Ltd

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