Reffiness Limited

Reference number: 978458

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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

New Leaf Distribution Limited Reference number: 460421 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.
  • Reffiness Limited (FRN 978458) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Reffiness's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Reffiness, 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.

  • Website

    reffiness.co.uk

  • Phone number

    01702 431130

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Trent House, 234 Victoria Road, Stoke-On-Trent, Staffordshire, ST4 2LW, United Kingdom

In the full report: 3 background checks

  • When reffiness.co.uk first appeared online, and whether it can receive email
  • What kind of line 01702 431130 is, and the 152 other firms that give it
  • Who else gives the postcode ST4 2LW
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Other names (2)

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

  • Reffiness Ltd Former name
  • Reffiness Wealth Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through New Leaf Distribution 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
14111791
Company status
Active
Company type
Private limited company
Incorporated
17 May 2022 (4 years old)
Registered office
Trent House, 234 Victoria Road, Stoke-On-Trent, ST4 2LW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Lukasz Szymon Tomczyk Director Sep 1992 17 May 2022 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 May 2025Abridged accountsNot audited

Net assets

£7,757

−5.6% from £8,215

Cash at bank

£2,485

−52% from £5,160

Employees (average)

0

Same as 0

Owed within a year

£2,125

−38% from £3,407

Assets and liabilities

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 14111791. 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

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

2024

5 April 2024

  • Changed its registered name from "Reffiness Ltd"

FCA register

2023

28 April 2023

  • Changed its registered name from "Reffiness Wealth Ltd"

FCA register

2022

4 July 2022

  • Became an appointed representative

FCA register

17 May 2022

  • Incorporated at Companies House
  • Lukasz Szymon Tomczyk took control (75–100% of shares)
  • Lukasz Szymon Tomczyk appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Reffiness

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

connected firms
12
share its phone number
12

In the full report: all 12 connected firms, named

  • How each is linked: the same phone number (12)
  • Who links each one: the named directors, with dates
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Firms like Reffiness

Other firms of the same type (insurance broker), nearest first.

In Stoke-On-Trent

All Star Parrots Rescue and RehomingStoke-on-TrentAppointed representativeBeswicks Solicitors LLPStoke-On-TrentAppointed representativeBroker Zone LtdStoke-On-TrentAppointed representativeFreedom Retail LimitedStoke-On-TrentAppointed representativeHD Financial Services LtdStoke-on-TrentAppointed representativeHDL Commercial LtdStoke-on-TrentAppointed 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 Reffiness

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
  • All 6 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Reffiness Limited FCA authorised?
Reffiness Limited (FRN 978458) 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 Reffiness?
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. Reffiness Limited (FRN 978458) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Reffiness's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Reffiness, 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 Reffiness’ phone number and website?
The FCA register lists the phone number 01702 431130 and the website reffiness.co.uk for Reffiness. 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 152 other FCA firms, one of which is no longer authorised.
Is Reffiness a scam or clone?
Reffiness 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 Reffiness?
Protection works through New Leaf Distribution Limited, the principal firm responsible for Reffiness's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Reffiness?
Companies House lists one person with significant control of Reffiness: Mr Lukasz Szymon Tomczyk (75–100% of shares).
Who runs Reffiness?
Companies House lists one director of Reffiness: Lukasz Szymon Tomczyk.
How long has Reffiness been in business?
The company was formed on 17 May 2022.
What do Reffiness’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £7,757 (−5.6% from £8,215) and cash at bank of £2,485 (−52% from £5,160).
Does Reffiness use any other names?
It has previously used 2 other names: Reffiness Ltd and Reffiness Wealth Ltd.

Sources and links

The full report on Reffiness Limited

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