John Smith Funeral Directors Ltd

Reference number: 1014087

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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.

Appointed for 2 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 March 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.
JOHN SMITH FUNERAL DIRECTORS LTD (FRN 1014087) is an AR of Golden Charter Limited (FRN 965279). When you use JOHN SMITH FUNERAL DIRECTORS's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from JOHN SMITH FUNERAL DIRECTORS, 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

028 4272 8379
Address

89A High Street, Portaferry, Co. Down, Northern Ireland, BT22 1QU, United Kingdom

In the full report: 2 background checks

What kind of line 028 4272 8379 is
Who else gives the postcode BT22 1QU

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: NI693277 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 December 2022 (3 years old)
Registered office: 89a High Street, Portaferry, Co. Down, BT22 1QU, United Kingdom
Nature of business: Funeral and related activities (SIC 96030)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Lindsay Masterson	Director	Aug 1982	21 Dec 2022	None
John Gerard Smith	Director	Jun 1954	21 Dec 2022	None
Neil Smith	Director	Jan 1980	21 Dec 2022	None
Philomena Smith	Director	Jan 1957	21 Dec 2022	None

In the full report: every company its directors have run

Confirmation that these 4 directors run no other company

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£202k

No earlier figure to compare

Owed within a year

£98.8k

−58% from £233k

Assets and liabilities

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 NI693277. 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

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

Key events (3) All events (8)

2024

21 June 2024

Became an appointed representative

FCA register

2023

1 March 2023

John Gerard Smith gained significant control

Companies House

2022

21 December 2022

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (3 shown here)
Every director appointment and resignation: 4

Firms connected to John Smith Funeral Directors

Other FCA-listed firms that share a director, phone number or address with John Smith Funeral Directors. 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

Firms like John Smith Funeral Directors

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

In the Belfast (BT) postcode area

Adrian McAteerCraigavonAppointed representative Aidan Connolly UndertakerEnniskillenAppointed representative Alan FranceyBallymenaAppointed representative Alan Gerald WrayCraigavonAppointed representative Alice McKiernan, Michael McKiernan & John McKiernanColeraineAppointed representative Anne Reid & William ReidBallynahinchAppointed 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 John Smith Funeral Directors

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

Every company its directors have run, named
2 background checks on its contact details
All 8 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is John Smith Funeral Directors Ltd FCA authorised?

John Smith Funeral Directors Ltd (FRN 1014087) 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 John Smith Funeral Directors?

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. John Smith Funeral Directors Ltd (FRN 1014087) is an AR of Golden Charter Limited (FRN 965279). When you use John Smith Funeral Directors's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from John Smith Funeral Directors, 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 John Smith Funeral Directors’ phone number?

The FCA register lists the phone number 028 4272 8379 for John Smith Funeral Directors. If you were given different contact details, use these to check with the firm before going any further.

Is John Smith Funeral Directors a scam or clone?

John Smith Funeral Directors 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 John Smith Funeral Directors?

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

Who owns John Smith Funeral Directors?

Companies House lists one person with significant control of John Smith Funeral Directors: Mr John Gerard Smith (significant influence or control).

Who runs John Smith Funeral Directors?

Companies House lists 4 directors of John Smith Funeral Directors: Lindsay Masterson, John Gerard Smith, Neil Smith and Philomena Smith.

How long has John Smith Funeral Directors been in business?

The company was formed on 21 December 2022.

What do John Smith Funeral Directors’ latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £202k (no earlier figure to compare).

Sources and links

Its entry on the FCA register register.fca.org.uk
Its Companies House record gov.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk