SMITH & FRATER LTD.

Reference number: 1058130

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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.

The FCA register does not name a principal for this 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.
  • SMITH & FRATER LTD. (FRN 1058130) is listed as an introducer appointed representative, but the register does not show its principal firm here. Check the FCA register before sharing your details.
  • Example: if SMITH & FRATER refers you to a financial adviser, the advice should come from the principal firm, not from SMITH & FRATER 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.

Also trades as
  • Optima Kitchens

Company details

From the company's Companies House record.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
SC124677
Company status
Active
Company type
Private limited company
Incorporated
30 April 1990 (36 years old)
Registered office
Donaldson House Saltire Centre, Pentland Park, Glenrothes, Fife, KY6 2AG, Scotland
Nature of business
  • Wholesale of wood, construction materials and sanitary equipment (SIC 46730)

Current directors and secretaries

Name Role Born Appointed
Andrew Robert Donaldson Director Jul 1982 31 Jan 2020
Michael James Donaldson Director Jun 1980 31 Jan 2020
Graeme Bell Director Sep 1969 18 Feb 2022
Alyson Donaldson Director Feb 1983 31 Jul 2023
Neil John Mcmillan Secretary Not published 1 Apr 2021

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 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 SMITH & FRATER LTD. FCA authorised?
SMITH & FRATER LTD. (FRN 1058130) 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 SMITH & FRATER?
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. SMITH & FRATER LTD. (FRN 1058130) is listed as an introducer appointed representative, but the register does not show its principal firm here. Check the FCA register before sharing your details. Example: if SMITH & FRATER refers you to a financial adviser, the advice should come from the principal firm, not from SMITH & FRATER 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 SMITH & FRATER?
Protection works through the principal firm responsible for SMITH & FRATER's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is SMITH & FRATER a scam or clone?
SMITH & FRATER 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 SMITH & FRATER's Firm Reference Number (FRN)?
SMITH & FRATER's FRN is 1058130. You can verify it on the FCA register.