Reflections Office Solutions Limited

Reference number: 826704

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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, 1 thing worth a closer look

  • When reflections.ltd first appeared online, and whether it can receive email
  • What kind of line 0121 459 0000 is
  • Who else gives the postcode B60 4DJ
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Other names (1)

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

  • Reflections Office Solutions Ltd Former 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
07868082
Company status
Active
Company type
Private limited company
Incorporated
1 December 2011 (14 years old)
Registered office
6 The Courtyard, Harris Business Park Hanbury Road, Stoke Prior, Bromsgrove, B60 4DJ, England
Nature of business
  • Repair of machinery (SIC 33120)
  • Wired telecommunications activities (SIC 61100)
  • Information technology consultancy activities (SIC 62020)
  • Renting and leasing of office machinery and equipment (including computers) (SIC 77330)

Directors and company secretaries

Name Role Born Appointed Other companies
Justin Gresley Mander Director Sep 1974 1 Dec 2011 1 other company
Richard David Thorndike Director Jun 1969 24 Sep 2018 10 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
11
closed down
5
still active
6

In the full report: all 11 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£166k

+2.1% from £162k

Cash at bank

−£76.2k

−462% from £21.1k

Employees (average)

13

+8.3% from 12

Owed within a year

£185k

−32% from £272k

Net assets

In the full report: all 6 years of accounts

  • Every year from 2020 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 07868082. 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

Reflections Office Solutions’s history from the FCA register and Companies House, newest first.

Key events (10) All events (16)

2023

25 May 2023

  • Justin Mander became a part-owner (25–50% of shares)

Companies House

2020

21 July 2020

  • Justin Gresley Mander no longer has significant control

Companies House

6 January 2020

  • Roger Darren McNeal Cardin stopped being a part-owner

Companies House

2019

30 September 2019

  • Changed its registered name from "Reflections Office Solutions Ltd"

FCA register

2018

11 December 2018

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

FCA register

25 September 2018

  • Richard David Thorndike became a part-owner (25–50% of shares)
  • Roger Darren McNeal Cardin became a part-owner (25–50% of shares)

Companies House

2016

30 June 2016

  • Justin Gresley Mander gained significant control

Companies House

2011

1 December 2011

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (10 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Reflections Office Solutions

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Reflections Office Solutions

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

In Bromsgrove

Richard John HighamBromsgroveAuthorised25seven Campers LtdBromsgroveAppointed representativeMurray BossBromsgroveAppointed representativeMarshall Management Services LtdBromsgroveAuthorisedCutting Edge Machinery LimitedBromsgroveAuthorisedAce ATV LimitedBromsgroveAppointed 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 Reflections Office Solutions

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 16 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Reflections Office Solutions Limited FCA authorised?
Yes, Reflections Office Solutions Limited (FRN 826704) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2018 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Reflections Office Solutions’ phone number and website?
The FCA register lists the phone number 0121 459 0000 and the website reflections.ltd for Reflections Office Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Reflections Office Solutions a scam or clone?
Reflections Office Solutions 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 Reflections Office Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Reflections Office Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Reflections Office Solutions to the Financial Ombudsman Service, free of charge.
Who owns Reflections Office Solutions?
Companies House lists 2 people with significant control of Reflections Office Solutions: Mr Justin Mander (25–50% of shares) and Mr Richard David Thorndike (25–50% of shares). Before that, it was controlled by Mr Roger Darren McNeal Cardin and Mr Justin Gresley Mander.
Who runs Reflections Office Solutions?
Companies House lists 2 directors of Reflections Office Solutions: Justin Gresley Mander and Richard David Thorndike.
How long has Reflections Office Solutions been in business?
The company was formed on 1 December 2011, and has held its current FCA authorisation since December 2018.
What do Reflections Office Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £166k (+2.1% from £162k) and cash at bank of −£76.2k (−462% from £21.1k).
Does Reflections Office Solutions use any other names?
It has previously used the name Reflections Office Solutions Ltd.

Sources and links

The full report on Reflections Office Solutions Limited

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