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.
- Appointed for 20 years
- Protected through the principal
- No FCA actions
- Active company since 2006
- Accounts filed up to 31 October 2025
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- RLC Financial Solutions Ltd (FRN 459045) is an AR of Sesame Limited (FRN 150427). When you use RLC Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from RLC Financial Solutions, 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.
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No website on the FCA register
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Phone number
-
Address
Kiosk 15, Bow Street Mall, Lisburn, Belfast, County Antrim, BT28 1AW, United Kingdom
In the full report: 2 background checks
- What kind of line 028 9260 3131 is
- Who else gives the postcode BT28 1AW
Other names (1)
If you were contacted under any of these names, it is this firm.
- One Stop Mortgage Shop Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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, freeYou 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 name
- RLC FINANCIAL SOLUTIONS LIMITED
- Company number
- NI060084 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 July 2006 (20 years old)
- Registered office
- Unit 15 Bow Street Mall, Bow Street, Lisburn, BT28 1AW, Northern Ireland
- Nature of business
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- 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 |
|---|---|---|---|---|
| Lisa Michelle Clingan | Director | Sep 1978 | 6 Jul 2006 | 1 other company |
| Roger James Cunningham | Director | Nov 1974 | 6 Jul 2006 | 1 other company |
| Lisa Michelle Clingan | Secretary | Not published | 6 Jul 2006 | 1 other company |
| Roger James Cunningham | Secretary | Not published | 6 Jul 2006 | 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
- closed down
- 1
- run together
- 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
- The 1 company these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£380k
+6.7% from £356k
Cash at bank
£243k
+222% from £75.5k
Employees (average)
7
Same as 7
Owed within a year
£83.5k
+196% from £28.2k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 NI060084. 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
RLC Financial Solutions’s history from the FCA register and Companies House, newest first.
2016
8 July 2016
- Lisa Michelle Clingan became a part-owner (25–50% of shares)
Companies House
6 April 2016
- Roger James Joseph Kenneth Cunningham became a part-owner (25–50% of shares)
Companies House
2006
25 October 2006
- Became an appointed representative
FCA register
6 July 2006
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms connected to RLC Financial Solutions
Other FCA-listed firms that share a director, phone number or address with RLC Financial 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
Firms like RLC Financial Solutions
Other firms of the same type (insurance broker), nearest first.
In Belfast
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 RLC Financial Solutions
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
- 7 years of accounts, charted
- All 7 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk