RLA Capital Limited

Reference number: 768227

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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

AFS Compliance Ltd Reference number: 625035 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.
  • RLA Capital Limited (FRN 768227) is an AR of AFS Compliance Ltd (FRN 625035). When you use RLA Capital's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from RLA Capital, 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

    07719 883585

  • Address

    Unit 1, Little Mountain Industrial Estate, Drury New Road, Buckley, Flintshire, CH7 3DS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07719 883585 is
  • Who else gives the postcode CH7 3DS
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Other names (3)

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

  • Asset Finance Solutions Trading name
  • Synergy Commercial Finance Trading name
  • Vat and Tax Finance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through AFS Compliance Ltd, 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
10149106
Company status
Active
Company type
Private limited company
Incorporated
27 April 2016 (10 years old)
Registered office
First Floor, The Foundation Herons Way, Chester Business Park, Chester, Cheshire, CH4 9GB, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew John Morris Director Jul 1982 28 Nov 2016 None
Lee Anthony Shearsmith Director Sep 1982 1 Oct 2017 1 other company

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

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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£34.8k

+6.2% from £32.8k

Cash at bank

£20.8k

−29% from £29.2k

Owed within a year

£127k

+1.4% from £125k

Assets and liabilities

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.

Accounts filed at Companies House for company 10149106. 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

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

Key events (8) All events (17)

2022

17 November 2022

  • Ross Alexander McGuckin no longer has significant control

Companies House

2017

30 April 2017

  • Andrew John Morris became a part-owner (25–50% of shares)
  • Lee Anthony Shearsmith became a part-owner (25–50% of shares)
  • Ross Alexander McGuckin gained significant control

Companies House

1 April 2017

  • Brian McGuckin gave up control

Companies House

2016

28 December 2016

  • Became an appointed representative

FCA register

28 November 2016

  • Brian McGuckin took control (75–100% of shares)

Companies House

27 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms like RLA Capital

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Chester (CH) postcode area

Quidco LimitedDeesideAppointed representativeA Penny Saved LtdWirralAppointed representativeA Transparent Financial Solution LimitedSandycroftAppointed representativeAbacus Mortgage & Protection Advice LtdBirkenheadAppointed representativeAnother Place (Mortgage Brokers) LtdChesterAppointed representativeAnthony RowanWirralAppointed 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 RLA Capital

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is RLA Capital Limited FCA authorised?
RLA Capital Limited (FRN 768227) 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 RLA Capital?
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. RLA Capital Limited (FRN 768227) is an AR of AFS Compliance Ltd (FRN 625035). When you use RLA Capital's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from RLA Capital, 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 RLA Capital’s phone number?
The FCA register lists the phone number 07719 883585 for RLA Capital. If you were given different contact details, use these to check with the firm before going any further.
Is RLA Capital a scam or clone?
RLA Capital 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 RLA Capital?
Protection works through AFS Compliance Ltd, the principal firm responsible for RLA Capital's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns RLA Capital?
Companies House lists 2 people with significant control of RLA Capital: Mr Lee Anthony Shearsmith (25–50% of shares) and Mr Andrew John Morris (25–50% of shares). Before that, it was controlled by Mr Ross Alexander McGuckin and Mr Brian McGuckin.
Who runs RLA Capital?
Companies House lists 2 directors of RLA Capital: Andrew John Morris and Lee Anthony Shearsmith.
How long has RLA Capital been in business?
The company was formed on 27 April 2016.
What do RLA Capital’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £34.8k (+6.2% from £32.8k) and cash at bank of £20.8k (−29% from £29.2k).
Does RLA Capital use any other names?
It trades as Asset Finance Solutions, Synergy Commercial Finance and Vat and Tax Finance.

Sources and links

The full report on RLA Capital Limited

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