Sandy Russell & Co. Limited: FCA regulated?

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 11 years
Protected through the principal
No FCA actions
Active company since 2003
Accounts filed up to 31 March 2025

Responsible principal firm

Rural Finance Limited Reference number: 630701 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.
Sandy Russell & Co. Limited (FRN 687404) is an AR of Rural Finance Limited (FRN 630701). When you use Sandy Russell & Co.'s services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Sandy Russell & Co., 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

sandyrussell.co.uk (opens in a new tab)
Phone number

07980 292650
Address

Hafod, Drayton Road, Hodnet, Market Drayton, TF9 3NH, United Kingdom

In the full report: 3 background checks

When sandyrussell.co.uk first appeared online, and whether it can receive email
What kind of line 07980 292650 is
Who else gives the postcode TF9 3NH

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Rural Finance 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: 04700945 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 18 March 2003 (23 years old)
Registered office: Hafod, Drayton Road, Hodnet, Market Drayton, Shropshire, TF9 3NH
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Alexander Scott Russell	Director	Oct 1961	18 Mar 2003	4 other companies
Rachel Russell	Secretary	Not published	18 Mar 2003	–

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 companies: 4
still active: 4
is FCA-registered: 1

In the full report: all 4 companies, 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
The one on the FCA register
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£162k

−9.3% from £178k

Cash at bank

£33.5k

−22% from £43.2k

Employees (average)

1

Same as 1

Owed within a year

£140k

−31% from £203k

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

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 04700945. 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

Sandy Russell & Co.’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2024

20 June 2024

Changed its registered name from "Sandy Russell & Co Limited"

FCA register

2017

17 March 2017

Alexander Scott Russell gained significant control

Companies House

2015

21 April 2015

Became an appointed representative

FCA register

2003

18 March 2003

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: 3

Firms connected to Sandy Russell & Co.

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Sandy Russell & Co.

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

In Market Drayton

Brett ParkerMarket DraytonAppointed representative Barbers Rural Consultancy LLPMarket DraytonAuthorised Stephen EllisMarket DraytonAuthorised

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 Sandy Russell & Co.

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

4 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 7 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Sandy Russell & Co. Limited FCA authorised?

Sandy Russell & Co. Limited (FRN 687404) 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 Sandy Russell & Co.?

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. Sandy Russell & Co. Limited (FRN 687404) is an AR of Rural Finance Limited (FRN 630701). When you use Sandy Russell & Co.'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sandy Russell & Co., 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 Sandy Russell & Co.’s phone number and website?

The FCA register lists the phone number 07980 292650 and the website sandyrussell.co.uk for Sandy Russell & Co.. If you were given different contact details, use these to check with the firm before going any further.

Is Sandy Russell & Co. a scam or clone?

Sandy Russell & Co. 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 Sandy Russell & Co.?

Protection works through Rural Finance Limited, the principal firm responsible for Sandy Russell & Co.'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Sandy Russell & Co.?

Companies House lists one person with significant control of Sandy Russell & Co.: Mr Alexander Scott Russell (significant influence or control).

Who runs Sandy Russell & Co.?

Companies House lists one director of Sandy Russell & Co.: Alexander Scott Russell.

How long has Sandy Russell & Co. been in business?

The company was formed on 18 March 2003.

What do Sandy Russell & Co.’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £162k (−9.3% from £178k) and cash at bank of £33.5k (−22% from £43.2k).