Ssm One Limited

Reference number: 716565

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Authorised by the FCA

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

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 proportunity.com first appeared online, and whether it can receive email
  • What kind of line 07879 812547 is
  • Who else gives the postcode W1K 3JZ
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Other names (4)

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

  • Proportunity Loans Trading name: A name it trades under now.
  • Influx Finance Former trading name: A name it used to trade under.
  • Influx Loans Former trading name: A name it used to trade under.
  • Influx Mortgages Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • 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 (4 permissions)
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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 status
Active
Company type
Private limited company
Incorporated
21 October 2014 (12 years old)
Registered office
Hilco, 84 Grosvenor Street, London, W1K 3JZ, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Froggatt Director Oct 1971 21 Oct 2014 1 other company
Stefan Adrian Boronea Director Oct 1986 26 Jun 2018 5 other companies
Vadim Radu Toader Director May 1990 26 Jun 2018 6 other companies

Other companies run by these 3 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
7
closed down
1
is FCA-registered
1

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 5 companies these 3 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£2.68m

+7.4% from £2.50m

Cash at bank

£5,178

−33% from £7,697

Employees (average)

3

Same as 3

Owed within a year

£3.14m

<1% from £3.15m

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
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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 09273700. 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

Ssm One’s history from the FCA register and Companies House, newest first.

2023

30 November 2023

  • Huk 131 Limited took control (75–100% of shares)
  • Proportunity Limited gave up control

Companies House

2018

26 June 2018

  • Matthew Froggatt stopped being a part-owner
  • Philippe Tapernoux stopped being a part-owner
  • Proportunity Limited took control (75–100% of shares)

Companies House

2016

21 October 2016

  • Matthew Froggatt became a part-owner (25–50% of shares)
  • Philippe Tapernoux became a part-owner (25–50% of shares)

Companies House

21 March 2016

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

FCA register

2014

21 October 2014

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (10 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Ssm One

Other FCA-listed firms that share a director, phone number or address with Ssm One. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
no longer authorised
1
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
  • 1 past link through former directors
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Firms like Ssm One

Other firms of the same type (mortgage lender), nearest first.

In London

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 Ssm One

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 26 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ssm One Limited FCA authorised?
Yes, Ssm One Limited (FRN 716565) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Ssm One’s phone number and website?
The FCA register lists the phone number 07879 812547 and the website proportunity.com for Ssm One. If you were given different contact details, use these to check with the firm before going any further.
Is Ssm One a scam or clone?
Ssm One 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 Ssm One?
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 Ssm One to the Financial Ombudsman Service, free of charge.
Who owns Ssm One?
Ssm One is owned by Huk 131 Limited, which holds 75–100% of shares and 75–100% of votes, since 30 November 2023. Before that, it was controlled by Proportunity Limited, Mr Matthew Froggatt and Mr Philippe Tapernoux.
Who runs Ssm One?
Companies House lists 3 directors of Ssm One: Matthew Froggatt, Stefan Adrian Boronea and Vadim Radu Toader.
How long has Ssm One been in business?
The company was formed on 21 October 2014, and has held its current FCA authorisation since March 2016.
What do Ssm One’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £2.68m (+7.4% from £2.50m) and cash at bank of £5,178 (−33% from £7,697).
Does Ssm One use any other names?
It trades as Proportunity Loans. It has previously used 3 other names: Influx Finance, Influx Loans and Influx Mortgages.

Sources and links

The full report on Ssm One Limited

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