Credit Smart LTD

Reference number: 999880

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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

CREATIVE FINANCE LIMITED Reference number: 702435 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.
  • Credit Smart LTD (FRN 999880) is an AR of CREATIVE FINANCE LIMITED (FRN 702435). When you use Credit Smart's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Credit Smart, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 creditgenius.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 464 7057 is
  • Who else gives the postcode TW9 2PR
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Other names (1)

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

  • Credit Genius Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Creative Finance 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
14914078
Company status
Active
Company type
Private limited company
Incorporated
5 June 2023 (3 years old)
Registered office
23 Sheen Rd, Richmond, TW9 1BN, England
Nature of business
  • Activities of credit bureaus (SIC 82912)

Directors and company secretaries

Name Role Born Appointed Other companies
Damon Hirschl Director Oct 1976 5 Jun 2023 None
Adam Cameron Ross Murray Director Jan 1987 3 Sep 2026 7 other companies

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
7
closed down
4
is FCA-registered
1

In the full report: all 7 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
  • The one on the FCA register
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£37.7k

−157% from £66.6k

Cash at bank

£27.9k

No earlier figure to compare

Employees (average)

2

Up 2 from 0

Owed within a year

£79.1k

−24% from £104k

Net assets are negative: on its last balance sheet the company owed £37.7k more than it owned.

Net assets

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 14914078. 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

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

Key events (3) All events (6)

2023

17 July 2023

  • Became an appointed representative

FCA register

5 June 2023

  • Incorporated at Companies House
  • Damon Hirschl became a part-owner (25–50% of shares)

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Credit Smart

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

connected firms
3
share its postcode
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Credit Smart

Other firms of the same type (credit broker), nearest first.

In Richmond

Agrisource MachineryRichmondAppointed representativeMichael Nigro & Kieryn SmartRichmondAppointed representativeWeski LimitedRichmondAppointed representativeeBay (UK) LimitedRichmondAppointed representative247 Kettles LtdRichmondAppointed representativeBrompton Leisure LtdRichmondAppointed 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 Credit Smart

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Credit Smart LTD FCA authorised?
Credit Smart LTD (FRN 999880) 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 Credit Smart?
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. Credit Smart LTD (FRN 999880) is an AR of CREATIVE FINANCE LIMITED (FRN 702435). When you use Credit Smart's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Credit Smart, 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 Credit Smart’s phone number and website?
The FCA register lists the phone number 0800 464 7057 and the website creditgenius.co.uk for Credit Smart. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Smart a scam or clone?
Credit Smart 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 Credit Smart?
Protection works through Creative Finance Limited, the principal firm responsible for Credit Smart's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Credit Smart?
Companies House lists one person with significant control of Credit Smart: Mr Damon Hirschl (25–50% of shares).
Who runs Credit Smart?
Companies House lists 2 directors of Credit Smart: Damon Hirschl and Adam Cameron Ross Murray.
How long has Credit Smart been in business?
The company was formed on 5 June 2023.
What do Credit Smart’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£37.7k (−157% from £66.6k) and cash at bank of £27.9k (no earlier figure to compare).
Does Credit Smart use any other names?
It trades as Credit Genius.

Sources and links

The full report on Credit Smart LTD

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