Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 11 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 March 2025
Responsible principal firm
Rural Finance Limited Reference number: 630701 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- A G Finance (Scotland) Limited (FRN 694957) is an AR of Rural Finance Limited (FRN 630701). When you use A G Finance (Scotland)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from A G Finance (Scotland), complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- 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.
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.
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No website on the FCA register
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Phone number
-
Address
Hall of Barnweil, Craigie, Kilmarnock, Ayrshire, KA1 5NE, United Kingdom
In the full report: 2 background checks
- What kind of line 07850 125832 is
- Who else gives the postcode KA1 5NE
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Rural Finance 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 Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- SC281499 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 March 2005 (21 years old)
- Registered office
- Hall Of Barnweil Farm, Craigie, Kilmarnock, Ayreshire, KA1 5NE
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Howie Glover | Director | Aug 1962 | 14 Mar 2005 | 6 other companies |
Other companies run by its director
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
- 6
- closed down
- 1
- are FCA-registered
- 2
In the full report: all 6 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
Filed accounts and finances
Total equity
£2.76m
No earlier figure to compare
Cash at bank
£258k
−69% from £829k
Owed within a year
£1.11m
+35% from £817k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 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.
Accounts filed at Companies House for company SC281499. 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
A G Finance (Scotland)’s history from the FCA register and Companies House, newest first.
2024
5 January 2024
- Andrew Howie Glover stopped being a part-owner
- Kamms Group Limited took control (75–100% of shares)
- Maureen Mary Craig Glover stopped being a part-owner
Companies House
2016
6 April 2016
- Andrew Howie Glover became a part-owner (25–50% of shares)
- Maureen Mary Craig Glover became a part-owner (25–50% of shares)
Companies House
2015
12 May 2015
- Became an appointed representative
FCA register
2005
14 March 2005
- Incorporated at Companies House
- Andrew Howie Glover appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to A G Finance (Scotland)
Other FCA-listed firms that share a director, phone number or address with A G Finance (Scotland). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2)
- Who links each one: the named directors, with dates
Firms like A G Finance (Scotland)
Other firms of the same type (credit broker), nearest first.
In Kilmarnock
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 A G Finance (Scotland)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 8 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do A G Finance (Scotland)’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk