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 6 years
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 December 2025
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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Phone number
-
Address
12 Woodlands Drive, Lanark, South Lanarkshire, ML11 9FS, United Kingdom
In the full report: 2 background checks
- What kind of line 07977 126998 is
- Who else gives the postcode ML11 9FS
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
- SC645347 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 October 2019 (6 years old)
- Registered office
- 12 Woodlands Drive, Lanark, ML11 9FS, United Kingdom
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Daniel Carmichael | Director | Jun 1964 | 24 Oct 2019 | 10 other companies |
| Kevin Francis Mcnally | Director | Sep 1976 | 24 Oct 2019 | 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
- 12
- closed down
- 3
- are FCA-registered
- 3
In the full report: all 12 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 on the FCA register
- The 1 company these 2 directors run together
Filed accounts and finances
Net assets
£138k
−9.3% from £152k
Employees (average)
2
Up 2 from 0
Owed within a year
£23.3k
−8.2% from £25.4k
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company SC645347. 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
CK Scotland’s history from the FCA register and Companies House, newest first.
2023
15 June 2023
- Christopher Daniel Carmichael stopped being a part-owner
- Ckcm Holdings Limited took control (75–100% of shares)
- Kevin Francis McNally stopped being a part-owner
Companies House
2020
27 March 2020
- Registered with the FCA
FCA register
2019
24 October 2019
- Incorporated at Companies House
- Christopher Daniel Carmichael became a part-owner (25–50% of shares)
- Kevin Francis McNally became a part-owner (25–50% of shares)
- Christopher Daniel Carmichael appointed as a director
- Kevin Francis McNally appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to CK Scotland
Other FCA-listed firms that share a director, phone number or address with CK Scotland. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- past link
- 1
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
- 1 past link through former directors
Firms like CK Scotland
Other firms of the same type (insurance broker), nearest first.
In the Motherwell (ML) postcode area
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 CK Scotland
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 12 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 9 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is CK Scotland Limited FCA authorised?
What is CK Scotland’s phone number?
Is CK Scotland a scam or clone?
Is my money safe with CK Scotland?
Who owns CK Scotland?
Who runs CK Scotland?
How long has CK Scotland been in business?
What do CK Scotland’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