Mason Smalley Ltd

Reference number: 933791

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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

Commercial Finance Brokers UK Limited Reference number: 736199 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.
  • Mason Smalley Ltd (FRN 933791) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Mason Smalley's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mason Smalley, 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

    07720 945772

  • Address

    Mason Smalley, Unit 11, Brook Park Offices, Gaddesby Lane, Rearsby, LE7 4YL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07720 945772 is
  • Who else gives the postcode LE7 4YL
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Other names (3)

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

  • Mason Smalley Commercial Trading name
  • Rippled Ltd Former name
  • Rippled Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Commercial Finance Brokers UK 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
12606946
Company status
Active
Company type
Private limited company
Incorporated
18 May 2020 (6 years old)
Registered office
11 Brook Park Offices Gaddesby Lane, Rearsby, Leicester, LE7 4YL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel George Smalley Director Dec 1992 18 May 2020 None
James Mason Director May 1990 1 Dec 2023 3 other companies

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
3
closed down
1
still active
2

In the full report: all 3 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£192

−95% from £3,636

Cash at bank

£6,911

+13% from £6,141

Employees (average)

2

Same as 2

Owed within a year

£10.5k

+40% from £7,457

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
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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 12606946. 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

Mason Smalley’s history from the FCA register and Companies House, newest first.

Key events (9) All events (20)

2024

17 May 2024

  • James Mason became a part-owner (25–50% of shares)

Companies House

13 February 2024

  • Changed its registered name from "Rippled Ltd"

FCA register

8 February 2024

  • Changed its registered name from "Mason Smalley Ltd"

FCA register

2023

23 May 2023

  • Featured Ltd stopped being a part-owner

Companies House

2020

9 September 2020

  • Became an appointed representative

FCA register

18 May 2020

  • Incorporated at Companies House
  • Adam Lee Horton became a part-owner (25–50% of shares)
  • Daniel George Smalley became a part-owner (25–50% of shares)
  • Featured Ltd became a part-owner (25–50% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms like Mason Smalley

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

In Rearsby

Optimum Path Financial Planning LimitedRearsbyAuthorised

In the Leicester (LE) postcode area

1066 HoldingsLutterworthAppointed representativeAbigail Jayne BrownMarket HarboroughAppointed representativeAccomplished Financial Solutions LtdLeicesterAppointed representativeAlastair MayAshby-De-La-ZouchAppointed representativeAMW Financial Planning LimitedLeicesterAppointed 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 Mason Smalley

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Mason Smalley Ltd FCA authorised?
Mason Smalley Ltd (FRN 933791) 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 Mason Smalley?
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. Mason Smalley Ltd (FRN 933791) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Mason Smalley's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mason Smalley, 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 Mason Smalley’s phone number?
The FCA register lists the phone number 07720 945772 for Mason Smalley. If you were given different contact details, use these to check with the firm before going any further.
Is Mason Smalley a scam or clone?
Mason Smalley 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 Mason Smalley?
Protection works through Commercial Finance Brokers UK Limited, the principal firm responsible for Mason Smalley's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mason Smalley?
Companies House lists 3 people with significant control of Mason Smalley: Mr James Mason (25–50% of shares), Mr Adam Lee Horton (25–50% of shares) and Mr Daniel George Smalley (25–50% of shares). Before that, it was controlled by Featured Ltd.
Who runs Mason Smalley?
Companies House lists 2 directors of Mason Smalley: Daniel George Smalley and James Mason.
How long has Mason Smalley been in business?
The company was formed on 18 May 2020.
What do Mason Smalley’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £192 (−95% from £3,636) and cash at bank of £6,911 (+13% from £6,141).
Does Mason Smalley use any other names?
It trades as Mason Smalley Commercial. It has previously used 2 other names: Rippled Ltd and Rippled Mortgages.

Sources and links

The full report on Mason Smalley Ltd

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