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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
Innovative Risk Labs Ltd Reference number: 609155 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.
- Live Lateral Ltd (FRN 1043222) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Live Lateral's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Live Lateral, 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.
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No website on the FCA register
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Phone number
-
Address
71-75 Shelton Street, London, Camden, WC2H 9JQ, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line 07845 090838 is
- Whether WC2H 9JQ is a shared office: 186 other firms give it
Other names (2)
If you were contacted under any of these names, it is this firm.
- Lateral Trading name: A name it trades under now.
- Live Lateral Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Innovative Risk Labs 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, 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 name
- LIVE LATERAL LIMITED
- Company number
- 16287723 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 March 2025 (1 year old)
- Registered office
- 71-75 Shelton Street, London, WC2H 9JQ, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Laura May Ashforth | Director | Jul 1992 | 3 Mar 2025 | None |
| Steven Paul Mendel | Director | Jun 1967 | 3 Mar 2025 | 21 other companies |
| Richard Michael Matthews | Director | Oct 1972 | 15 Jun 2026 | 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 companies
- 21
- closed down
- 8
- are FCA-registered
- 5
In the full report: all 21 companies, 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
- The 5 on the FCA register
- All 4 people who have ever been directors, with their dates
Key dates in its history
Live Lateral’s history from the FCA register and Companies House, newest first.
2025
15 October 2025
- Changed its registered name from "Live Lateral Limited"
- Became an appointed representative
FCA register
3 March 2025
- Incorporated at Companies House
- Laura May Ashforth became a part-owner (25–50% of shares)
- Steven Paul Mendel became a part-owner (25–50% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (5 shown here)
- Every director appointment and resignation: 5
Firms connected to Live Lateral
Other FCA-listed firms that share a director, phone number or address with Live Lateral. A link shows who the firm is tied to, not whether either can be trusted.
- past links
- 5
In the full report: all 0 connected firms, named
- 5 past links through former directors
Firms like Live Lateral
Other firms of the same type (insurance broker), nearest first.
In London
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 Live Lateral
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 21 other companies its directors have run, named
- 2 background checks on its contact details, 1 flagged
- All 12 events in its history
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Frequently asked questions about this firm
Is Live Lateral Ltd FCA authorised?
What does appointed representative mean for Live Lateral?
What is Live Lateral’s phone number?
Is Live Lateral a scam or clone?
Is my money safe with Live Lateral?
Who owns Live Lateral?
Who runs Live Lateral?
How long has Live Lateral been in business?
Does Live Lateral 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