Reality Finance Solutions Limited

Reference number: 552297

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

This is the company's money-laundering registration only. It separately holds full FCA authorisation under FRN 726717 →.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 realityfinance.com first appeared online, and whether it can receive email
  • What kind of line 0845 170 4000 is
  • Who else gives the postcode GU7 1NG
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
03946834
Company status
Active
Company type
Private limited company
Incorporated
14 March 2000 (26 years old)
Registered office
Cheyenne House, West Street, Farnham, GU9 7EQ, United Kingdom
Nature of business
  • Renting and leasing of office machinery and equipment (including computers) (SIC 77330)

Directors and company secretaries

Name Role Born Appointed Other companies
James Joseph Cashmore Director Sep 1973 14 Mar 2000 6 other companies
Anne Margaret Plaskett Director Nov 1979 3 Sep 2024 2 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
6
closed down
2
run together
2

In the full report: all 6 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
  • The 2 companies these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Full accountsNot audited

Net assets

£124k

−82% from £681k

Cash at bank

£27.9k

−76% from £114k

Owed within a year

£1.18m

−26% from £1.58m

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 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.

Accounts filed at Companies House for company 03946834. 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

Reality Finance Solutions’s history from the FCA register and Companies House, newest first.

Key events (8) All events (12)

2024

3 September 2024

  • James Joseph Cashmore stopped being a part-owner
  • Jonathan Michael Leslie stopped being a part-owner
  • Rfs Holdings Ltd took control (75–100% of shares)

Companies House

1 September 2024

  • James Joseph Cashmore took control (75–100% of shares)

Companies House

2017

14 March 2017

  • James Joseph Cashmore became a part-owner (25–50% of shares)
  • Jonathan Michael Leslie became a part-owner (25–50% of shares)

Companies House

2011

5 July 2011

  • Registered with the FCA

FCA register

2000

14 March 2000

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Get the full report on Reality Finance Solutions

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Reality Finance Solutions Limited FCA authorised?
Reality Finance Solutions Limited (FRN 552297) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Reality Finance Solutions’ phone number and website?
The FCA register lists the phone number 0845 170 4000 and the website realityfinance.com for Reality Finance Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Reality Finance Solutions a scam or clone?
Reality Finance Solutions is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Reality Finance Solutions?
Money you hand to Reality Finance Solutions is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Reality Finance Solutions?
Reality Finance Solutions is owned by Rfs Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 3 September 2024. Before that, it was controlled by Mr Jonathan Michael Leslie.
Who runs Reality Finance Solutions?
Companies House lists 2 directors of Reality Finance Solutions: James Joseph Cashmore and Anne Margaret Plaskett.
How long has Reality Finance Solutions been in business?
The company was formed on 14 March 2000.
What do Reality Finance Solutions’ latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £124k (−82% from £681k) and cash at bank of £27.9k (−76% from £114k).

Sources and links

The full report on Reality Finance Solutions Limited

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