Fold Reformer Ltd

Reference number: 1027531

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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

Social Money Limited Reference number: 675283 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.
  • FOLD REFORMER LTD (FRN 1027531) is an AR of Social Money Limited (FRN 675283). When you use FOLD REFORMER's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from FOLD REFORMER, 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.

In the full report: 3 background checks

  • When foldreformer.com first appeared online, and whether it can receive email
  • What kind of line 07480 461109 is
  • Who else gives the postcode W10 5AP
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Other names (1)

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

  • FOLD Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Social Money 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
15774859
Company status
Active
Company type
Private limited company
Incorporated
12 June 2024 (2 years old)
Registered office
Studio 3 Buspace Studios, Middle Row, Conlan Street, London, W10 5AP, United Kingdom
Nature of business
  • Retail sale of sports goods, fishing gear, camping goods, boats and bicycles (SIC 47640)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Harras Director Sep 1987 12 Jun 2024 1 other company
Thomas Mcclelland Director Apr 1982 12 Jun 2024 None
Paul James Stimpson Director Nov 1988 12 Jun 2024 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 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 3 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 June 2025Small company accountsNot audited

Net assets

£16.3k

No earlier figure to compare

Cash at bank

£325k

No earlier figure to compare

Employees (average)

3

No earlier figure to compare

Owed within a year

£1.24m

No earlier figure to compare

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 15774859. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (10)

2025

10 February 2025

  • Became an appointed representative

FCA register

2024

12 June 2024

  • Incorporated at Companies House
  • Matthew Harras became a part-owner (25–50% of shares)
  • Paul James Stimpson became a part-owner (25–50% of shares)
  • Thomas McClelland became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Fold Reformer

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

In London

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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 Fold Reformer

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
  • 3 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is Fold Reformer Ltd FCA authorised?
Fold Reformer Ltd (FRN 1027531) 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 Fold Reformer?
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. Fold Reformer Ltd (FRN 1027531) is an AR of Social Money Limited (FRN 675283). When you use Fold Reformer's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fold Reformer, 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 Fold Reformer’s phone number and website?
The FCA register lists the phone number 07480 461109 and the website foldreformer.com for Fold Reformer. If you were given different contact details, use these to check with the firm before going any further.
Is Fold Reformer a scam or clone?
Fold Reformer 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 Fold Reformer?
Protection works through Social Money Limited, the principal firm responsible for Fold Reformer's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fold Reformer?
Companies House lists 3 people with significant control of Fold Reformer: Mr Matthew Harras (25–50% of shares), Paul James Stimpson (25–50% of shares) and Thomas McClelland (25–50% of shares).
Who runs Fold Reformer?
Companies House lists 3 directors of Fold Reformer: Matthew Harras, Thomas McClelland and Paul James Stimpson.
How long has Fold Reformer been in business?
The company was formed on 12 June 2024.
What do Fold Reformer’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £16.3k (no earlier figure to compare) and cash at bank of £325k (no earlier figure to compare).
Does Fold Reformer use any other names?
It trades as FOLD.

Sources and links

The full report on Fold Reformer Ltd

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