Smarter Financial Ltd

Reference number: 798656

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Registered with the FCA

This firm is registered to provide account information services. With your permission it can read your account data, but it cannot hold or move your money.

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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When smart-bill.co.uk first appeared online, and whether it can receive email
  • What kind of line 07957 688671 is
  • Whether W1W 7LT is a shared office: 43 other firms give it
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Other names (1)

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

  • Smart Bill Trading name

FCA permissions and consumer protection

  • Account information No FSCS cover
    This firm does not hold or move your money, it only reads your account data with your permission. There are no customer funds to safeguard and FSCS protection does not arise. You can still complain about how it handled your data.
  • 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
10366503
Company status
Active
Company type
Private limited company
Incorporated
8 September 2016 (10 years old)
Registered office
167 - 169 Great Portland Street 167 - 169 Great Portland Street, 5th Floor, London, W1W 5PF, England
Nature of business
  • Web portals (SIC 63120)
  • Other information service activities not elsewhere classified (SIC 63990)
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Nikhil Shah Director Dec 1980 8 Sep 2016 1 other company
Smeeta Velji Patel Director Dec 1958 8 Sep 2022 4 other companies

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 companies
5
closed down
2
still active
3

In the full report: all 5 companies, 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 September 2025Abridged accountsNot audited

Net assets

−£114k

Down £15.9k from −£97.9k

Cash at bank

£21.2k

−32% from £31.2k

Employees (average)

1

Same as 1

Net assets are negative: on its last balance sheet the company owed £114k more than it owned.

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
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10366503. 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

Smarter Financial’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2018

5 September 2018

  • Status on the FCA register became "Registered Account Information Service Provider"

FCA register

16 January 2018

  • Regulated by the FCA from this date

FCA register

2016

8 September 2016

  • Incorporated at Companies House
  • Nikhil Shah took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms like Smarter Financial

Other firms of the same type (payment or money transfer firm), nearest first.

In London

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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 Smarter Financial

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Smarter Financial Ltd FCA authorised?
Yes, Smarter Financial Ltd (FRN 798656) is registered with the FCA and permitted to provide its regulated services.
What is Smarter Financial’s phone number and website?
The FCA register lists the phone number 07957 688671 and the website smart-bill.co.uk for Smarter Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Smarter Financial a scam or clone?
Smarter Financial 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 Smarter Financial?
Protection depends on which product you hold and how Smarter Financial handles your money, so check the specific product before you commit. You can also refer complaints about Smarter Financial to the Financial Ombudsman Service, free of charge.
Who owns Smarter Financial?
Companies House lists one person with significant control of Smarter Financial: Mr Nikhil Shah (75–100% of shares).
Who runs Smarter Financial?
Companies House lists 2 directors of Smarter Financial: Nikhil Shah and Smeeta Velji Patel.
How long has Smarter Financial been in business?
The company was formed on 8 September 2016, and has held its current FCA authorisation since September 2018.
What do Smarter Financial’s latest accounts show?
Its latest accounts, to 28 September 2025, show net assets of −£114k (down £15.9k from −£97.9k) and cash at bank of £21.2k (−32% from £31.2k).
Does Smarter Financial use any other names?
It trades as Smart Bill.

Sources and links

The full report on Smarter Financial Ltd

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