Smooth Financial Group Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for under a year
Your funds are protected by FSCS
No FCA actions
Active company since 2020
Accounts filed up to 31 March 2025
1 thing worth a closer look in the background checks

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

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

07446 149636
Address

124 Kemp House, City Road, LONDON, EC1V 2NX, United Kingdom

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

When smoothfg.co.uk first appeared online, and whether it can receive email
What kind of line 07446 149636 is
Whether EC1V 2NX is a shared office: 213 other firms give it

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL Advisor
Acting as a CBTL arranger
Acting as a CBTL Arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 12494038 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 March 2020 (6 years old)
Registered office: 124 Kemp House City Road, London, EC1V 2NX, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Aleksander Piotr Maniowski	Director	Apr 1988	3 Mar 2020	None
Damian Abramowicz	Director	Aug 1982	1 Dec 2020	2 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: 2
still active: 2

In the full report: all 2 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

Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£8,203

+85% from £4,424

Cash at bank

£24.2k

+2.6% from £23.6k

Employees (average)

2

Same as 2

Owed within a year

£174

No earlier figure to compare

Net assets

In the full report: all 5 years of accounts

Every year from 2021 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 12494038. 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

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

Key events (4) All events (7)

2025

12 December 2025

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2020

3 March 2020

Incorporated at Companies House
Aleksander Piotr Maniowski took control (75–100% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms like Smooth Financial Group

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Saga Personal Finance LimitedLondonAuthorised Legal & General Partnership Services LimitedLondonAuthorised Prudential Distribution LimitedLondonAuthorised Quilter Mortgage Planning LimitedLondonAuthorised Enness LimitedLondonAuthorised Pivotal Financial LimitedLondonAuthorised

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 Smooth Financial Group

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

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

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Frequently asked questions about this firm

Is Smooth Financial Group Ltd FCA authorised?

Yes, Smooth Financial Group Ltd (FRN 1020251) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2025 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Smooth Financial Group’s phone number and website?

The FCA register lists the phone number 07446 149636 and the website smoothfg.co.uk for Smooth Financial Group. If you were given different contact details, use these to check with the firm before going any further.

Is Smooth Financial Group a scam or clone?

Smooth Financial Group 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 Smooth Financial Group?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Smooth Financial Group to the Financial Ombudsman Service, free of charge.

Who owns Smooth Financial Group?

Companies House lists one person with significant control of Smooth Financial Group: Mr Aleksander Piotr Maniowski (75–100% of shares).

Who runs Smooth Financial Group?

Companies House lists 2 directors of Smooth Financial Group: Aleksander Piotr Maniowski and Damian Abramowicz.

How long has Smooth Financial Group been in business?

The company was formed on 3 March 2020, and has held its current FCA authorisation since December 2025.

What do Smooth Financial Group’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £8,203 (+85% from £4,424) and cash at bank of £24.2k (+2.6% from £23.6k).