St Matthews Finance Limited

Reference number: 728776

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No longer authorised

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Authorisation ended 29 July 2026.

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.

  • Last known website

    smfinance.co

  • Last known phone number

    07809 670087

  • Last known address

    THIRD FLOOR, GROVE HOUSE, 55 LOWLANDS ROAD, HARROW, HA1 3AW, United Kingdom

In the full report: 3 background checks

  • When smfinance.co first appeared online, and whether it can receive email
  • What kind of line 07809 670087 is
  • Who else gives the postcode HA1 3AW
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Other names (1)

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

  • SM Finance Trading name

Past FCA permissions and consumer protection

  • The record is closed
    Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

FCA disciplinary action

FCA action

action
1
most recent
July 2026
  • Permission varied or cancelled on 29 July 2026
    Name: St Matthews Finance Limited Reference Number: 728776 Type of action:  Cancellation  “The Authority has cancelled the permission and withdrawn the authorisation of St Matthews Finance Limited (“the Firm”) of Third Floor Grove House, 55 Lowlands Road, Harrow, HA1 3AW (principal place of business address) and Office 8349 321- 323 High Road, Romford, England, RM6 6AX (registered office address). The reason for this action is that the Authority considers the Firm is carrying on no regulated activities to which its Part 4A permission relates.    The Authority’s action took effect on 29 July 2026 and a copy of the Notice of Decision issued under Schedule 6A of the Financial Services and Markets Act 2000 (the Act), which sets out the reason for the action, is displayed on the Authority’s website and can be accessed using the following link:    https://www.fca.org.uk/publication/decision-notices/st-matthews-finance-limited-2026.pdf   As a consequence of this action the Firm is no longer an authorised firm for the purposes of the Act and it may not carry on regulated activities which fall within the scope of the Act. ”

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.

Concerns on the company record

  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
Company number
08237639
Company status
Active
Company type
Private limited company
Incorporated
2 October 2012 (14 years old)
Registered office
Office 8349 321- 323 High Road, Romford, RM6 6AX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Nikhilrai Acharya Director Oct 1974 23 Mar 2018 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 5 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 October 2022Micro-entity accountsNot audited

Net assets

£1,104

Up £68.6k from −£67.5k

Employees (average)

4

Same as 4

Owed within a year

£9,959

−84% from £64.0k

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • 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 08237639. 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

St Matthews Finance’s history from the FCA register and Companies House, newest first.

Key events (8) All events (18)

2026

29 July 2026

  • FCA action: Permission varied or cancelled
  • No longer regulated by the FCA
  • Its FCA authorisation was revoked

FCA register

2018

22 May 2018

  • Nikhilrai Acharya took control (75–100% of shares)
  • Russenia Gillingham gave up control

Companies House

2016

25 August 2016

  • Regulated by the FCA from this date

FCA register

6 April 2016

  • Russenia Gillingham took control (75–100% of shares)

Companies House

2012

2 October 2012

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (8 shown here)
  • Every director appointment and resignation: 9
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Firms connected to St Matthews Finance

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

connected firms
2
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
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Get the full report on St Matthews Finance

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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 18 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is St Matthews Finance Limited FCA authorised?
No. St Matthews Finance Limited (FRN 728776) is still listed on the FCA register, but the record is closed: no longer authorised.
Is St Matthews Finance a scam or clone?
St Matthews Finance is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.
Is my money safe with St Matthews Finance?
Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with St Matthews Finance has no cover, because it is no longer permitted to carry it out.
Who owns St Matthews Finance?
Companies House lists one person with significant control of St Matthews Finance: Mr Nikhilrai Acharya (75–100% of shares). Before that, it was controlled by Ms Russenia Gillingham.
Who runs St Matthews Finance?
Companies House lists one director of St Matthews Finance: Nikhilrai Acharya.
How long has St Matthews Finance been in business?
The company was formed on 2 October 2012.
What do St Matthews Finance’s latest accounts show?
Its latest accounts, to 31 October 2022, show net assets of £1,104 (up £68.6k from −£67.5k). Its accounts are overdue at Companies House.
Has the FCA taken action against St Matthews Finance?
Yes. The FCA register records 1 change to its permissions in 2026. The details are in the disciplinary section above, with links to the FCA's notices.
Does St Matthews Finance use any other names?
It trades as SM Finance.

Sources and links

The full report on St Matthews Finance Limited

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