Carrick Stuart & Co (Financial Consultants) Ltd

Reference number: 408406

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Carrick Stuart & Co (Financial Consultants) Ltd (FRN 408406) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Carrick Stuart & Co (Financial Consultants)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Carrick Stuart & Co (Financial Consultants), 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 villageestatesfc.co.uk first appeared online, and whether it can receive email
  • What kind of line 0141 779 9024 is
  • Who else gives the postcode G69 9DQ
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Village Estates Financial Consultants Trading name
  • Village Estate Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
SC228779
Company status
Active
Company type
Private limited company
Incorporated
5 March 2002 (24 years old)
Registered office
Office 1 Chryston Business Centre Cloverhill Place, Chryston, Glasgow, G69 9DQ, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Jonathan Anderson Director Feb 1991 1 Mar 2018 None
Derek Stewart Director Oct 1960 20 Jan 2023 2 other companies
Richard Hugh Jefferies Secretary Not published 14 Aug 2025 –

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
2
closed down
2

In the full report: all 2 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
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£31.4k

Up £1,578 from −£32.9k

Cash at bank

£17.9k

<1% from £18.1k

Employees (average)

3

Same as 3

Net assets are negative: on its last balance sheet the company owed £31.4k more than it owned.

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
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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 SC228779. 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

This firm’s history from the FCA register and Companies House, newest first.

Key events (10) All events (29)

2023

21 February 2023

  • Adrian Wilson gave up control
  • Derek Stewart became a part-owner (25–50% of shares)
  • Murray John Greig became a part-owner (25–50% of shares)
  • Steven Jonathan Anderson became a part-owner (25–50% of shares)

Companies House

2018

13 March 2018

  • Adrian Wilson took control (75–100% of shares)

Companies House

2017

3 July 2017

  • Board replaced: its only director left and a new director took over
  • Michael Paul Davis gave up control

Companies House

2016

6 April 2016

  • Michael Paul Davis took control (75–100% of shares)

Companies House

2004

6 December 2004

  • Became an appointed representative

FCA register

2002

5 March 2002

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (10 shown here)
  • Every director appointment and resignation: 16
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Connected firms

Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Similar firms

Other firms of the same type (insurance broker), nearest first.

In Glasgow

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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 this firm

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 29 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Carrick Stuart & Co (Financial Consultants) Ltd FCA authorised?
Carrick Stuart & Co (Financial Consultants) Ltd (FRN 408406) 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 Carrick Stuart & Co (Financial Consultants)?
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. Carrick Stuart & Co (Financial Consultants) Ltd (FRN 408406) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Carrick Stuart & Co (Financial Consultants)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Carrick Stuart & Co (Financial Consultants), 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 Carrick Stuart & Co (Financial Consultants)’s phone number and website?
The FCA register lists the phone number 0141 779 9024 and the website villageestatesfc.co.uk for Carrick Stuart & Co (Financial Consultants). If you were given different contact details, use these to check with the firm before going any further.
Is Carrick Stuart & Co (Financial Consultants) a scam or clone?
Carrick Stuart & Co (Financial Consultants) 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 Carrick Stuart & Co (Financial Consultants)?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Carrick Stuart & Co (Financial Consultants)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Carrick Stuart & Co (Financial Consultants)?
Companies House lists 3 people with significant control of Carrick Stuart & Co (Financial Consultants): Mr Murray John Greig (25–50% of shares), Mr Steven Jonathan Anderson (25–50% of shares) and Mr Derek Stewart (25–50% of shares). Before that, it was controlled by Mr Michael Paul Davis and Mr Adrian Wilson.
Who runs Carrick Stuart & Co (Financial Consultants)?
Companies House lists 2 directors of Carrick Stuart & Co (Financial Consultants): Steven Jonathan Anderson and Derek Stewart.
How long has Carrick Stuart & Co (Financial Consultants) been in business?
The company was formed on 5 March 2002.
What do Carrick Stuart & Co (Financial Consultants)’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£31.4k (up £1,578 from −£32.9k) and cash at bank of £17.9k (<1% from £18.1k).
Does Carrick Stuart & Co (Financial Consultants) use any other names?
It trades as Village Estates Financial Consultants. It has previously used the name Village Estate Mortgages.

Sources and links

The full report on Carrick Stuart & Co (Financial Consultants) Ltd

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