Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 30 April 2026
- On its latest accounts it owed £8,732 more than it owned
Responsible principal firm
Social Money Limited Reference number: 675283 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- LASER EXPERT LTD (FRN 1063287) introduces customers to Social Money Limited (FRN 675283). Any regulated advice or arranging is done by the principal, not LASER EXPERT.
- Example: if LASER EXPERT refers you to a financial adviser, the advice should come from the principal firm, not from LASER EXPERT itself.
- 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.
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No website on the FCA register
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Phone number
-
Address
3 Manor Parade, Sheepcote Road, Harrow, Harrow, HA1 2JN, United Kingdom
In the full report: 2 background checks
- What kind of line 07445 280134 is
- Who else gives the postcode HA1 2JN
Other names (1)
If you were contacted under any of these names, it is this firm.
- The Laser Clinic Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 08978800 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 April 2014 (12 years old)
- Registered office
- Magnolia House, Spring Villa Park, 11 Spring Villa Road, Edgware, HA8 7EB, England
- Nature of business
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- Hairdressing and other beauty treatment (SIC 96020)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kumar Lal | Director | Jul 1976 | 4 Apr 2014 | 3 other companies |
| Rabika Nath | Director | Jul 1980 | 4 Apr 2014 | 1 other company |
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
- 4
- closed down
- 1
- still active
- 3
In the full report: all 4 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
Filed accounts and finances
Net assets
−£8,732
Up £3,009 from −£11.7k
Employees (average)
3
−40% from 5
Owed within a year
£82.5k
<1% from £82.0k
Net assets are negative: on its last balance sheet the company owed £8,732 more than it owned.
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2020 to 2026
- 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 08978800. 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
Laser Expert’s history from the FCA register and Companies House, newest first.
2026
7 September 2026
- Became an introducer appointed representative
FCA register
2017
4 April 2017
- Kumar Lal became a part-owner (25–50% of shares)
- Rabika Nath became a part-owner (25–50% of shares)
Companies House
2014
4 April 2014
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Laser Expert
Other firms of the same type (credit broker), nearest first.
In Harrow
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 Laser Expert
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 7 events in its history
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Frequently asked questions about this firm
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Who runs Laser Expert?
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What do Laser Expert’s latest accounts show?
Does Laser Expert use any other names?
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