Smart Money Finance Ltd
Reference number: 765595
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 31 January 2026
Responsible principal firm
Smart Money Limited Reference number: 688185 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Smart Money Finance Ltd (FRN 765595) introduces customers to Smart Money Limited (FRN 688185). Any regulated advice or arranging is done by the principal, not Smart Money Finance.
- Example: if Smart Money Finance refers you to a financial adviser, the advice should come from the principal firm, not from Smart Money Finance itself.
- 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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Phone number
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Address
8 Portal Business Park, Eaton Lane, Tarporley, Cheshire, CW6 9DL, United Kingdom
In the full report: 3 background checks
- When smartmoneyfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 01829 731945 is
- Who else gives the postcode CW6 9DL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Smart Money 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
- SMART MONEY FINANCE LIMITED
- Company number
- 09908234 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 December 2015 (10 years old)
- Registered office
- 8 Portal Business Park, Eaton Lane, Tarporley, Cheshire, CW6 9DL, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul David Crewe | Director | Oct 1971 | 9 Dec 2015 | None |
| Michael David Scott | Director | Jun 1975 | 1 Apr 2016 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£233k
Up £263k from −£29.3k
Cash at bank
£3,044
+67% from £1,818
Owed within a year
£37.8k
−22% from £48.5k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2026
- 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.
Accounts filed at Companies House for company 09908234. 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
Smart Money Finance’s history from the FCA register and Companies House, newest first.
2016
28 November 2016
- Became an introducer appointed representative
FCA register
6 April 2016
- Paul David Crewe took control (75–100% of shares)
Companies House
1 April 2016
- Michael David Scott appointed as a director
Companies House
2015
9 December 2015
- Incorporated at Companies House
- Paul David Crewe appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Smart Money Finance
Other FCA-listed firms that share a director, phone number or address with Smart Money Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Smart Money Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Tarporley
In the Crewe (CW) postcode area
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 Smart Money Finance
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
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 5 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Smart Money Finance Ltd FCA authorised?
What does introducer appointed representative mean for Smart Money Finance?
What is Smart Money Finance’s phone number and website?
Is Smart Money Finance a scam or clone?
Is my money safe with Smart Money Finance?
Who owns Smart Money Finance?
Who runs Smart Money Finance?
How long has Smart Money Finance been in business?
What do Smart Money Finance’s latest accounts show?
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