Capercaillie Financial Advice Limited

Reference number: 938999

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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.

Responsible principal firm

M&G ADVICE PARTNERS LIMITED Reference number: 584256 Authorised 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.
  • Capercaillie Financial Advice Limited (FRN 938999) is an AR of M&G ADVICE PARTNERS LIMITED (FRN 584256). When you use Capercaillie Financial Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Capercaillie Financial Advice, 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.

In the full report: 3 background checks

  • When mandgwealth.com first appeared online, and whether it can receive email
  • What kind of line 07583 089356 is
  • Who else gives the postcode FK8 3AB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through M&g Advice Partners 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, free
    You 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
SC678618
Company status
Active
Company type
Private limited company
Incorporated
23 October 2020 (6 years old)
Registered office
5 South Kersebonny Steading, Stirling, FK8 3AB, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Vera-Ann Bowes Director Feb 1985 23 Oct 2020 None
Kevin Bowes Secretary Not published 11 Feb 2025 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£15.6k

No earlier figure to compare

Cash at bank

£33.9k

+35% from £25.0k

Employees (average)

2

Same as 2

Owed within a year

£31.9k

+18% from £27.0k

Total equity

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 SC678618. 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

Capercaillie Financial Advice’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2022

22 August 2022

  • Kevin Bowes became a part-owner (25–50% of shares)

Companies House

2020

20 November 2020

  • Became an appointed representative

FCA register

23 October 2020

  • Incorporated at Companies House
  • Vera-Ann Bowes became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like Capercaillie Financial Advice

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

In Stirling

AGM Financial Services LtdStirlingAppointed representativeFirst Base Accountants LimitedStirlingAppointed representativeGeorge Gill Financial Services LtdStirlingAppointed representativeGregor Davidson Wealth Management LtdStirlingAppointed representativeKAG Accountancy LtdStirlingAppointed representativeLomond Wealth Management LTDStirlingAppointed representative

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 Capercaillie Financial Advice

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

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

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Frequently asked questions about this firm

Is Capercaillie Financial Advice Limited FCA authorised?
Capercaillie Financial Advice Limited (FRN 938999) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Capercaillie Financial Advice?
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. Capercaillie Financial Advice Limited (FRN 938999) is an AR of M&G ADVICE PARTNERS LIMITED (FRN 584256). When you use Capercaillie Financial Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Capercaillie Financial Advice, 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.
What is Capercaillie Financial Advice’s phone number and website?
The FCA register lists the phone number 07583 089356 and the website mandgwealth.com/capercailliefinancialadvice for Capercaillie Financial Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Capercaillie Financial Advice a scam or clone?
Capercaillie Financial Advice 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 Capercaillie Financial Advice?
Protection works through M&g Advice Partners Limited, the principal firm responsible for Capercaillie Financial Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Capercaillie Financial Advice?
Companies House lists 2 people with significant control of Capercaillie Financial Advice: Mr Kevin Bowes (25–50% of shares) and Mrs Vera-Ann Bowes (25–50% of shares).
Who runs Capercaillie Financial Advice?
Companies House lists one director of Capercaillie Financial Advice: Vera-Ann Bowes.
How long has Capercaillie Financial Advice been in business?
The company was formed on 23 October 2020.
What do Capercaillie Financial Advice’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £15.6k (no earlier figure to compare) and cash at bank of £33.9k (+35% from £25.0k).

Sources and links

The full report on Capercaillie Financial Advice Limited

£19.99 · Instant PDF download

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