Cairn Financial Management Limited

Reference number: 829694

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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 cairnfm.co.uk first appeared online, and whether it can receive email
  • What kind of line 07469 766682 is
  • Who else gives the postcode G2 2LB
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Making arrangements with a view to transactions in investments

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
SC614957
Company status
Active
Company type
Private limited company
Incorporated
29 November 2018 (7 years old)
Registered office
Suite 4.5, Turnberry House, 175 West George Street, Glasgow, G2 2LB, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Gilchrist Black Director Sep 1968 29 Nov 2018 1 other company

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 company
1
still active
1

In the full report: all 1 company, 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Abridged accountsNot audited

Net assets

£37.8k

−20% from £47.5k

Cash at bank

£63.8k

+5.4% from £60.5k

Employees (average)

6

−14% from 7

Owed within a year

£49.1k

−3.3% from £50.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 SC614957. 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

Cairn Financial Management’s history from the FCA register and Companies House, newest first.

Key events (10) All events (15)

2026

15 June 2026

  • Kenny Devine Ltd stopped being a part-owner

Companies House

2025

20 November 2025

  • Gmfb Limited took control (75–100% of shares)
  • Ian Gilchrist Black stopped being a part-owner
  • Kenneth Stewart Devine stopped being a part-owner
  • Kenny Devine Ltd became a part-owner (25–50% of shares)

Companies House

2019

3 June 2019

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

FCA register

2018

29 November 2018

  • Incorporated at Companies House
  • Ian Gilchrist Black became a part-owner (25–50% of shares)
  • Kenneth Stewart Devine became a part-owner (25–50% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (10 shown here)
  • Every director appointment and resignation: 3
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Firms like Cairn Financial Management

Other firms of the same type (financial adviser), nearest first.

In Glasgow

Advanced Asset Consultants LimitedGlasgowAuthorisedAdvanta Direct LtdGlasgowAuthorisedAlistair Craig Financial Services LtdGlasgowAuthorisedAml Associates Financial Services Ltd.GlasgowAuthorisedAvoca Wealth Management LtdGlasgowAuthorisedBegley Brown Financial Solutions Ltd.GlasgowAuthorised

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 Cairn Financial Management

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Cairn Financial Management Limited FCA authorised?
Yes, Cairn Financial Management Limited (FRN 829694) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2019 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Cairn Financial Management’s phone number and website?
The FCA register lists the phone number 07469 766682 and the website cairnfm.co.uk for Cairn Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Cairn Financial Management a scam or clone?
Cairn Financial Management 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 Cairn Financial Management?
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 Cairn Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Cairn Financial Management?
Cairn Financial Management is owned by Gmfb Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 20 November 2025. Before that, it was controlled by Mr Kenneth Stewart Devine, Mr Ian Gilchrist Black and Kenny Devine Ltd.
Who runs Cairn Financial Management?
Companies House lists one director of Cairn Financial Management: Ian Gilchrist Black.
How long has Cairn Financial Management been in business?
The company was formed on 29 November 2018, and has held its current FCA authorisation since June 2019.
What do Cairn Financial Management’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £37.8k (−20% from £47.5k) and cash at bank of £63.8k (+5.4% from £60.5k).

Sources and links

The full report on Cairn Financial Management Limited

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