Liab Services Limited

Reference number: 995503

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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

SPERO LTD Reference number: 950311 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.
  • LIAB SERVICES LIMITED (FRN 995503) is an AR of SPERO LTD (FRN 950311). When you use LIAB SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LIAB SERVICES, 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, 1 thing worth a closer look

  • When cityandcommercial.com first appeared online, and whether it can receive email
  • What kind of line 0333 344 9119 is, and the 2 other firms that give it
  • Whether EC3A 7LP is a shared office: 22 other firms give it
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Other names (4)

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

  • C&C RISKS Trading name
  • Lettings in a box Trading name
  • Oops Trading name
  • C&C RISKS UK LIMITED Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Spero 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
13016555
Company status
Active
Company type
Private limited company
Incorporated
13 November 2020 (5 years old)
Registered office
The Stables 32 Main Street, Ashley, Market Harborough, LE16 8HF, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Jason Andrew Smart Director Nov 1968 19 Dec 2022 27 other companies

Other companies run by its director

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
27
closed down
18
is FCA-registered
1

In the full report: all 27 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

−£91.5k

Down £50.3k from −£41.2k

Cash at bank

£32.3k

+334% from £7,455

Employees (average)

0

Same as 0

Owed within a year

£305k

+84% from £166k

Net assets are negative: on its last balance sheet the company owed £91.5k more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 13016555. 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

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

Key events (8) All events (16)

2026

2 September 2026

  • Changed its registered name from "C&C RISKS UK LIMITED"

FCA register

2023

27 April 2023

  • Became an appointed representative

FCA register

17 January 2023

  • 9nbp Limited became a part-owner (25–50% of shares)
  • George Smart stopped being the majority owner

Companies House

2022

19 December 2022

  • Board replaced: its only director left and 2 new directors took over

Companies House

2020

13 November 2020

  • Incorporated at Companies House
  • C & C International Holdings Ltd became a part-owner (25–50% of shares)
  • George Smart became the majority owner (50–75% of shares)

Companies House

In the full report: all 16 events

  • All 16 events in its history (8 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Liab Services

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

connected firms
2
share its phone number
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Liab Services

Other firms of the same type (insurance broker), 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 Liab Services

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 5 years of accounts, charted
  • All 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Liab Services Limited FCA authorised?
Liab Services Limited (FRN 995503) 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 Liab Services?
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. Liab Services Limited (FRN 995503) is an AR of SPERO LTD (FRN 950311). When you use Liab Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Liab Services, 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 Liab Services’ phone number and website?
The FCA register lists the phone number 0333 344 9119 and the website cityandcommercial.com for Liab Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Liab Services a scam or clone?
Liab Services 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 Liab Services?
Protection works through Spero Ltd, the principal firm responsible for Liab Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Liab Services?
Companies House lists 2 people with significant control of Liab Services: 9nbp Limited (25–50% of shares) and C & C International Holdings Ltd (25–50% of shares). Before that, it was controlled by Mr George Smart.
Who runs Liab Services?
Companies House lists one director of Liab Services: Jason Andrew Smart.
How long has Liab Services been in business?
The company was formed on 13 November 2020.
What do Liab Services’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of −£91.5k (down £50.3k from −£41.2k) and cash at bank of £32.3k (+334% from £7,455).
Does Liab Services use any other names?
It trades as C&C RISKS, Lettings in a box and Oops. It has previously used the name C&C RISKS UK LIMITED.

Sources and links

The full report on Liab Services Limited

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