DRI Ltd

Reference number: 1025117

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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

AFS Compliance Ltd Reference number: 625035 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.
  • DRI Ltd (FRN 1025117) is an AR of AFS Compliance Ltd (FRN 625035). When you use DRI's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from DRI, 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

    0191 380 0379

  • Address

    14-15 Harelands Courtyard Offices Melsonby, Richmond, North Yorkshire, DL10 5NY, United Kingdom

In the full report: 2 background checks

  • What kind of line 0191 380 0379 is
  • Who else gives the postcode DL10 5NY
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Other names (2)

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

  • Asset Finance Solutions Trading name
  • Lumos Business Finance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through AFS Compliance 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
09533157
Company status
Active
Company type
Private limited company
Incorporated
9 April 2015 (11 years old)
Registered office
14-15 Harelands Courtyard Offices Melsonby, Richmond, North Yorkshire, DL10 5NY, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
David Robert Innes Director Apr 1985 9 Apr 2015 1 other company
Samantha Joanne Innes Director Apr 1991 1 Aug 2024 None
David Robert Innes Secretary Not published 9 Apr 2015 –

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 company
1
still active
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£508k

−5.7% from £539k

Employees (average)

2

Same as 2

Owed within a year

£34.9k

−36% from £54.5k

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 09533157. 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

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

Key events (3) All events (7)

2025

12 February 2025

  • Became an appointed representative

FCA register

2016

6 April 2016

  • David Robert Innes took control (75–100% of shares)

Companies House

2015

9 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Dri

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Dri

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

In Richmond

Censeo LtdRichmondAppointed representativeClaire Hogg Mortgages & Protection LimitedRichmondAppointed representativeDavid Christopher Financial Management LtdRichmondAppointed representativeIan UnderwoodRichmondAppointed representativeLuv Financial LtdRichmondAppointed representativeHolbrook Property Finance LimitedRichmondAuthorised

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 Dri

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 7 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is DRI Ltd FCA authorised?
DRI Ltd (FRN 1025117) 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 Dri?
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. DRI Ltd (FRN 1025117) is an AR of AFS Compliance Ltd (FRN 625035). When you use Dri's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Dri, 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 Dri’s phone number?
The FCA register lists the phone number 0191 380 0379 for Dri. If you were given different contact details, use these to check with the firm before going any further.
Is Dri a scam or clone?
Dri 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 Dri?
Protection works through AFS Compliance Ltd, the principal firm responsible for Dri's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Dri?
Companies House lists one person with significant control of Dri: Mr David Robert Innes (75–100% of shares).
Who runs Dri?
Companies House lists 2 directors of Dri: David Robert Innes and Samantha Joanne Innes.
How long has Dri been in business?
The company was formed on 9 April 2015.
What do Dri’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £508k (−5.7% from £539k).
Does Dri use any other names?
It trades as Asset Finance Solutions and Lumos Business Finance.

Sources and links

The full report on DRI Ltd

£19.99 · Instant PDF download

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