Andrew Smith Funeral Services Ltd: FCA regulated?

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.

Appointed for 4 years
Protected through the principal
No FCA actions
Active company since 2015
Accounts filed up to 30 April 2025

Responsible principal firm

Golden Charter Limited Reference number: 965279 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.
ANDREW SMITH FUNERAL SERVICES LTD (FRN 981429) is an AR of Golden Charter Limited (FRN 965279). When you use ANDREW SMITH FUNERAL SERVICES's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from ANDREW SMITH FUNERAL SERVICES, 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.

No website on the FCA register
Phone number

01625 433853
Address

82 Park Green House, Sunderland Street, Macclesfield, Cheshire, SK11 6HN, United Kingdom

In the full report: 2 background checks

What kind of line 01625 433853 is
Who else gives the postcode SK11 6HN

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Golden Charter Limited, 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: 09547592 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 17 April 2015 (11 years old)
Registered office: Park Green House, 82 Sunderland Street, Macclesfield, Cheshire, SK11 6HN, England
Nature of business: Funeral and related activities (SIC 96030)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Nicholas Smith	Director	Feb 1968	17 Apr 2015	2 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: 2
closed down: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£740k

+28% from £580k

Cash at bank

£267k

+52% from £176k

Employees (average)

9

Same as 9

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

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 09547592. 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

Andrew Smith Funeral Services’s history from the FCA register and Companies House, newest first.

2022

22 August 2022

Became an appointed representative

FCA register

2016

6 April 2016

Andrew Nicholas Smith took control (75–100% of shares)

Companies House

2015

17 April 2015

Incorporated at Companies House
Andrew Nicholas Smith appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Andrew Smith Funeral Services

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Andrew Smith Funeral Services

Other firms of the same type (funeral director), nearest first.

In Macclesfield

Adlington Memorial Park LtdMacclesfieldAppointed representative

In the Stockport (SK) postcode area

A G Funeral Services LimitedHydeAppointed representative Albert R. Slack LimitedWilmslowAppointed representative Arthur Worsley Funeral Services LimitedGlossopAppointed representative Brian Sharples & Son LimitedStockportAppointed representative Elite Funeral Services (NW) LimitedStalybridgeAppointed 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 Andrew Smith Funeral Services

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

2 other companies its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 4 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Andrew Smith Funeral Services Ltd FCA authorised?

Andrew Smith Funeral Services Ltd (FRN 981429) 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 Andrew Smith Funeral Services?

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. Andrew Smith Funeral Services Ltd (FRN 981429) is an AR of Golden Charter Limited (FRN 965279). When you use Andrew Smith Funeral Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Andrew Smith Funeral Services, 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 Andrew Smith Funeral Services’ phone number?

The FCA register lists the phone number 01625 433853 for Andrew Smith Funeral Services. If you were given different contact details, use these to check with the firm before going any further.

Is Andrew Smith Funeral Services a scam or clone?

Andrew Smith Funeral Services 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 Andrew Smith Funeral Services?

Protection works through Golden Charter Limited, the principal firm responsible for Andrew Smith Funeral Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Andrew Smith Funeral Services?

Companies House lists one person with significant control of Andrew Smith Funeral Services: Mr Andrew Nicholas Smith (75–100% of shares).

Who runs Andrew Smith Funeral Services?

Companies House lists one director of Andrew Smith Funeral Services: Andrew Nicholas Smith.

How long has Andrew Smith Funeral Services been in business?

The company was formed on 17 April 2015.

What do Andrew Smith Funeral Services’ latest accounts show?

Its latest accounts, to 30 April 2025, show net assets of £740k (+28% from £580k) and cash at bank of £267k (+52% from £176k).