Richard Smith Financial Services Limited

Reference number: 944338

Instant download

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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Richard Smith Financial Services Limited (FRN 944338) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Richard Smith Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Richard Smith Financial Services, 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

    07718 759390

  • Address

    3 Birch Mews, Adel, Leeds, West Yorkshire, LS16 8NX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07718 759390 is
  • Who else gives the postcode LS16 8NX
Instant PDF download
Other names (1)

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

  • Richard Smith Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
14866901
Company status
Active
Company type
Private limited company
Incorporated
13 May 2023 (3 years old)
Registered office
3 Birch Mews, Adel, Leeds, LS16 8NX, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Andrew Smith Director Jan 1967 13 May 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 May 2025Dormant company accountsNot audited

Net assets

£1

Up £1 from £0

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

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 14866901. 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

Richard Smith Financial Services’s history from the FCA register and Companies House, newest first.

2026

14 October 2026

  • Changed its registered name from "Richard Smith"

FCA register

2023

13 May 2023

  • Incorporated at Companies House
  • Richard Andrew Smith took control (75–100% of shares)
  • Richard Andrew Smith appointed as a director

Companies House

2021

4 February 2021

  • Became an appointed representative

FCA register

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

Firms like Richard Smith Financial Services

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

In Leeds

Sulzer (UK) Holdings LimitedLeedsAppointed representativeAKB Property Services LtdLeedsAppointed representativeAlyas KhaliqLeedsAppointed representativeBartlett Underwriting LimitedLeedsAppointed representativeChambers Financial Solutions LtdLeedsAppointed representativeCrystal Cover Leeds LtdLeedsAppointed 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 Richard Smith Financial Services

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 5 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Richard Smith Financial Services Limited FCA authorised?
Richard Smith Financial Services Limited (FRN 944338) 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 Richard Smith Financial Services?
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. Richard Smith Financial Services Limited (FRN 944338) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Richard Smith Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Richard Smith Financial Services, 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 Richard Smith Financial Services’ phone number?
The FCA register lists the phone number 07718 759390 for Richard Smith Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Richard Smith Financial Services a scam or clone?
Richard Smith Financial Services 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 Richard Smith Financial Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Richard Smith Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Richard Smith Financial Services?
Companies House lists one person with significant control of Richard Smith Financial Services: Mr Richard Andrew Smith (75–100% of shares).
Who runs Richard Smith Financial Services?
Companies House lists one director of Richard Smith Financial Services: Richard Andrew Smith.
How long has Richard Smith Financial Services been in business?
The company was formed on 13 May 2023.
What do Richard Smith Financial Services’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £1 (up £1 from £0).
Does Richard Smith Financial Services use any other names?
It has previously used the name Richard Smith.

Sources and links

The full report on Richard Smith Financial Services Limited

£19.99 · Instant PDF download

Loading secure checkout…