Smith L Limited

Reference number: 1019051

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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.

Responsible principal firm

Snap-on Finance UK Limited Reference number: 630814 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.
  • Smith L Limited (FRN 1019051) is an AR of Snap-on Finance UK Limited (FRN 630814). When you use Smith L's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smith L, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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.

  • No website on the FCA register

  • Phone number

    07961 229237

  • Address

    Orchard Cottage, Lew, Bampton, Oxfordshire, OX18 2BE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07961 229237 is
  • Who else gives the postcode OX18 2BE
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Other names (3)

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

  • Snap-on Trading name
  • Snap-on Diagnostics Trading name
  • Snap-on Tools Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Snap-on Finance UK 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
15516398
Company status
Active
Company type
Private limited company
Incorporated
23 February 2024 (2 years old)
Registered office
Kings Buildings, Lydney, Gloucestershire, GL15 5HE, England
Nature of business
  • Other retail sale not in stores, stalls or markets (SIC 47990)

Directors and company secretaries

Name Role Born Appointed Other companies
Lee Frank Smith Director Mar 1985 23 Feb 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£43.3k

+545% from £6,713

Cash at bank

£36.4k

No earlier figure to compare

Employees (average)

1

Same as 1

Owed within a year

£155k

+29% from £120k

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.

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

Accounts filed at Companies House for company 15516398. 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 L’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2024

5 September 2024

  • Became an appointed representative

FCA register

23 February 2024

  • Incorporated at Companies House
  • Lee Frank Smith took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Get the full report on Smith L

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
  • 2 background checks on its contact details
  • All 7 events in its history

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Frequently asked questions about this firm

Is Smith L Limited FCA authorised?
Smith L Limited (FRN 1019051) 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 Smith L?
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. Smith L Limited (FRN 1019051) is an AR of Snap-on Finance UK Limited (FRN 630814). When you use Smith L's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smith L, 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 Smith L’s phone number?
The FCA register lists the phone number 07961 229237 for Smith L. If you were given different contact details, use these to check with the firm before going any further.
Is Smith L a scam or clone?
Smith L 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 L?
Protection works through Snap-on Finance UK Limited, the principal firm responsible for Smith L's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Smith L?
Companies House lists one person with significant control of Smith L: Lee Frank Smith (75–100% of shares).
Who runs Smith L?
Companies House lists one director of Smith L: Lee Frank Smith.
How long has Smith L been in business?
The company was formed on 23 February 2024.
What do Smith L’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £43.3k (+545% from £6,713) and cash at bank of £36.4k (no earlier figure to compare).
Does Smith L use any other names?
It trades as Snap-on, Snap-on Diagnostics and Snap-on Tools.

Sources and links

The full report on Smith L Limited

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