Smith & Frater Ltd.

Reference number: 1058130

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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.

Responsible principal firm

IDEAL SALES SOLUTIONS LTD Reference number: 703401 Authorised 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.
  • SMITH & FRATER LTD. (FRN 1058130) introduces customers to IDEAL SALES SOLUTIONS LTD (FRN 703401). Any regulated advice or arranging is done by the principal, not SMITH & FRATER.
  • Example: if SMITH & FRATER refers you to a financial adviser, the advice should come from the principal firm, not from SMITH & FRATER 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.

In the full report: 3 background checks

  • When smithandfrater.co.uk first appeared online, and whether it can receive email
  • What kind of line 01506 655698 is
  • Who else gives the postcode EH48 2FG
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Other names (1)

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

  • Optima Kitchens Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ideal Sales Solutions 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
SC124677
Company status
Active
Company type
Private limited company
Incorporated
30 April 1990 (36 years old)
Registered office
Donaldson House Saltire Centre, Pentland Park, Glenrothes, Fife, KY6 2AG, Scotland
Nature of business
  • Wholesale of wood, construction materials and sanitary equipment (SIC 46730)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Robert Donaldson Director Jul 1982 31 Jan 2020 22 other companies
Michael James Donaldson Director Jun 1980 31 Jan 2020 30 other companies
Graeme Bell Director Sep 1969 18 Feb 2022 None
Alyson Donaldson Director Feb 1983 31 Jul 2023 31 other companies
Neil John Mcmillan Secretary Not published 1 Apr 2021 –

Other companies run by these 4 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
37
closed down
2
run together
28

In the full report: all 37 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 28 companies these 4 directors run together
  • All 20 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2020Full accountsAudited

Total equity

£1.78m

No earlier figure to compare

Cash at bank

£807k

+27% from £633k

Employees (average)

25

Same as 25

Owed within a year

£1.63m

−17% from £1.96m

Assets and liabilities

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 SC124677. 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

Smith & Frater’s history from the FCA register and Companies House, newest first.

Key events (5) All events (42)

2026

14 June 2026

  • Became an introducer appointed representative

FCA register

2020

31 January 2020

  • Board replaced: all 3 directors left and 3 new directors took over

Companies House

2016

6 April 2016

  • Sandf (Grangemouth) Limited gained significant control

Companies House

2008

1 May 2008

  • Board replaced: all 3 directors left and 3 new directors took over

Companies House

1990

30 April 1990

  • Incorporated at Companies House

Companies House

In the full report: all 42 events

  • All 42 events in its history (5 shown here)
  • Every director appointment and resignation: 36
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Firms like Smith & Frater

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

In Bathgate

Ra Fire and Security LtdBathgateAppointed representativeThe Replacement Door Co (Scotland) LtdBathgateAppointed representative

In the Edinburgh (EH) postcode area

BTM Finance LimitedEdinburghAppointed representativeCHSG LtdLivingstonAppointed representativeCorstorphine Gas Services LimitedEdinburghAppointed representativeEvangate Financial Services LtdSouth QueensferryAppointed 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 Smith & Frater

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

  • 37 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 42 events in its history

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Frequently asked questions about this firm

Is Smith & Frater Ltd. FCA authorised?
Smith & Frater Ltd. (FRN 1058130) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Smith & Frater?
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. Smith & Frater Ltd. (FRN 1058130) introduces customers to IDEAL SALES SOLUTIONS LTD (FRN 703401). Any regulated advice or arranging is done by the principal, not Smith & Frater. Example: if Smith & Frater refers you to a financial adviser, the advice should come from the principal firm, not from Smith & Frater 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.
What is Smith & Frater’s phone number and website?
The FCA register lists the phone number 01506 655698 and the website smithandfrater.co.uk for Smith & Frater. If you were given different contact details, use these to check with the firm before going any further.
Is Smith & Frater a scam or clone?
Smith & Frater 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 Smith & Frater?
Protection works through Ideal Sales Solutions Ltd, the principal firm responsible for Smith & Frater's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Smith & Frater?
Companies House lists one person with significant control of Smith & Frater: Sandf (Grangemouth) Limited (significant influence or control).
Who runs Smith & Frater?
Companies House lists 4 directors of Smith & Frater: Andrew Robert Donaldson, Michael James Donaldson, Graeme Bell and Alyson Donaldson.
How long has Smith & Frater been in business?
The company was formed on 30 April 1990.
What do Smith & Frater’s latest accounts show?
Its latest accounts, to 30 September 2020, show total equity of £1.78m (no earlier figure to compare) and cash at bank of £807k (+27% from £633k).
Does Smith & Frater use any other names?
It trades as Optima Kitchens.

Sources and links

The full report on Smith & Frater Ltd.

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