On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
- Registered for under a year
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 November 2025
- On its latest accounts it owed £6,820 more than it owned
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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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No phone number on the FCA register
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Address
1 George Square, Castle Brae, Dunfermline, Fife, KY11 8QF, United Kingdom
In the full report: 1 background check
- Who else gives the postcode KY11 8QF
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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
- SC828563 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 November 2024 (1 year old)
- Registered office
- 1 George Square, Castle Brae, Dunfermline, KY11 8QF, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Scott Mackenzie Smith | Director | Dec 1983 | 11 Nov 2024 | 5 other companies |
| Alistair George Veitch | Director | Jul 1970 | 11 Nov 2024 | 3 other companies |
Other companies run by these 2 directors
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
- 5
- still active
- 5
- run together
- 3
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 companies these 2 directors run together
Filed accounts and finances
Net assets
−£6,820
No earlier figure to compare
Employees (average)
2
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £6,820 more than it owned.
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 SC828563. 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
Cairnstone Capital’s history from the FCA register and Companies House, newest first.
2026
8 April 2026
- Registered with the FCA
FCA register
2024
11 November 2024
- Incorporated at Companies House
- Alistair George Veitch became a part-owner (25–50% of shares)
- Scott Mackenzie Smith became a part-owner (25–50% of shares)
- Alistair George Veitch appointed as a director
- Scott Mackenzie Smith appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Get the full report on Cairnstone Capital
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 1 background check on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
Is Cairnstone Capital Ltd FCA authorised?
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Who owns Cairnstone Capital?
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How long has Cairnstone Capital been in business?
What do Cairnstone Capital’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk