Smile Lab Solutions Limited

Reference number: 1043145

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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

Affirm U.K. Limited Reference number: 756087 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.
  • Smile Lab Solutions Limited (FRN 1043145) introduces customers to Affirm U.K. Limited (FRN 756087). Any regulated advice or arranging is done by the principal, not Smile Lab Solutions.
  • Example: if Smile Lab Solutions refers you to a financial adviser, the advice should come from the principal firm, not from Smile Lab Solutions 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.

Identity

Check their details

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.

Company details

From the company's Companies House record.

Concerns on the company record

  • This company has insolvency history on record.
Company number
12329900
Company status
Active
Company type
Private limited company
Incorporated
22 November 2019 (6 years old)
Registered office
Unity House, Westwood Park Drive, Wigan, WN3 4HE, England
Nature of business
  • Retail sale via mail order houses or via Internet (SIC 47910)

Current directors and secretaries

Name Role Born Appointed
Simon Alan Nixon Director Jan 1980 22 Nov 2019
Christopher Ronald Howarth Director Jun 1974 25 Sep 2025
Andrew Armitage Director Oct 1978 25 Sep 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Affirm U.K. 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Smile Lab Solutions Limited FCA authorised?
Smile Lab Solutions Limited (FRN 1043145) 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 Smile Lab Solutions?
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. Smile Lab Solutions Limited (FRN 1043145) introduces customers to Affirm U.K. Limited (FRN 756087). Any regulated advice or arranging is done by the principal, not Smile Lab Solutions. Example: if Smile Lab Solutions refers you to a financial adviser, the advice should come from the principal firm, not from Smile Lab Solutions 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.
Is my money safe with Smile Lab Solutions?
Protection works through Affirm U.K. Limited, the principal firm responsible for Smile Lab Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Smile Lab Solutions a scam or clone?
Smile Lab Solutions is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Smile Lab Solutions's Firm Reference Number (FRN)?
Smile Lab Solutions's FRN is 1043145. You can verify it on the FCA register.