Rayner Smith Limited

Reference number: 829741

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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

  • When raynersmith.co.uk first appeared online, and whether it can receive email
  • What kind of line 0113 512 7000 is
  • Who else gives the postcode LS21 3EE
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Other names (1)

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

  • Rayner Smith Automotive Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
11714992
Company status
Active
Company type
Private limited company
Incorporated
6 December 2018 (7 years old)
Registered office
Unit C2, Ilkley Road, Otley, LS21 3EE, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Oliver Rayner Director Sep 1973 6 Dec 2018 1 other company
Jack Smith Director Nov 1996 6 Dec 2018 1 other company
Oliver Rayner Secretary Not published 6 Dec 2018 –

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, 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
  • The one on the FCA register
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 December 2024Abridged accountsNot audited

Net assets

£696k

+889% from £70.4k

Cash at bank

£36.5k

+114% from £17.0k

Employees (average)

5

Same as 5

Owed within a year

£281k

−74% from £1.09m

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2024
  • 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 11714992. 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

Rayner Smith’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2025

9 July 2025

  • Jack Smith became a part-owner (25–50% of shares)

Companies House

2019

22 March 2019

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2018

6 December 2018

  • Incorporated at Companies House
  • Oliver Rayner became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Rayner Smith

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Rayner Smith

Other firms of the same type (car dealer), nearest first.

In Otley

Auto Autonomy LtdOtleyAuthorisedEdward Johnson (Otley) LimitedOtleyAuthorisedK.T. Green LimitedOtleyAuthorisedAire Van Centre LtdOtleyAppointed 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 Rayner Smith

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Rayner Smith Limited FCA authorised?
Yes, Rayner Smith Limited (FRN 829741) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2019 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Rayner Smith’s phone number and website?
The FCA register lists the phone number 0113 512 7000 and the website raynersmith.co.uk for Rayner Smith. If you were given different contact details, use these to check with the firm before going any further.
Is Rayner Smith a scam or clone?
Rayner Smith 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 Rayner Smith?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Rayner Smith handles your money, so check the specific product before you commit. You can also refer complaints about Rayner Smith to the Financial Ombudsman Service, free of charge.
Who owns Rayner Smith?
Companies House lists 2 people with significant control of Rayner Smith: Mr Jack Smith (25–50% of shares) and Mr Oliver Rayner (25–50% of shares).
Who runs Rayner Smith?
Companies House lists 2 directors of Rayner Smith: Oliver Rayner and Jack Smith.
How long has Rayner Smith been in business?
The company was formed on 6 December 2018, and has held its current FCA authorisation since March 2019.
What do Rayner Smith’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £696k (+889% from £70.4k) and cash at bank of £36.5k (+114% from £17.0k).
Does Rayner Smith use any other names?
It trades as Rayner Smith Automotive.

Sources and links

The full report on Rayner Smith Limited

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