No longer authorised
This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Authorisation ended 4 July 2019.
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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No website on the FCA register
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No phone number on the FCA register
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Last known address
Paul Robert Appleton & Paul Cooper both of BTG Begbies Traynor (London) LLP, 31st Floor, 40 Bank Street, London, E14 5NR, United Kingdom
In the full report: 1 background check, 1 thing worth a closer look
- Whether E14 5NR is a shared office: 24 other firms give it
Past FCA permissions and consumer protection
- The record is closedCover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.
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
- Companies House records this company in liquidation.
- Accounts are overdue at Companies House.
- Confirmation statement is overdue at Companies House.
- This company has insolvency history on record.
- Company number
- 11118944 (opens Companies House in a new tab)
- Company status
- Liquidation
- Company type
- Private limited company
- Incorporated
- 20 December 2017 (8 years old)
- Registered office
- Level 33 1 Canada Square, Canary Wharf, London, E14 5AB
- Nature of business
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- Business and domestic software development (SIC 62012)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Steven Miles Smith | Director | Jun 1959 | 13 Oct 2025 | 3 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
- 3
- closed down
- 1
- went insolvent
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The 2 that went into liquidation or administration
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£2.24m
No earlier figure to compare
Cash at bank
£116k
+77% from £65.4k
Owed within a year
£2.47m
+937% from £238k
Its next accounts are overdue at Companies House.
Total equity is negative: on its last balance sheet the company owed £2.24m more than it owned.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2019 to 2024
- 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.
Accounts filed at Companies House for company 11118944. 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
Vibe Pay’s history from the FCA register and Companies House, newest first.
2026
12 October 2026
- No longer regulated by the FCA
FCA register
2019
4 July 2019
- Status on the FCA register became "Cancelled - Authorised PI"
FCA register
2018
16 July 2018
- Regulated by the FCA from this date
FCA register
18 June 2018
- Luke Anthony Massie gave up control
- Vibe Group Holdings Limited took control (75–100% of shares)
Companies House
2017
20 December 2017
- Incorporated at Companies House
- Luke Anthony Massie took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms like Vibe Pay
Other firms of the same type (payment or money transfer firm), nearest first.
In London
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Get the full report on Vibe Pay
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- 3 other companies its directors have run, named
- 1 background check on its contact details, 1 flagged
- 6 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk