Cns Financial Solutions Limited

Reference number: 945787

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • CNS FINANCIAL SOLUTIONS LIMITED (FRN 945787) is an AR of Quilter Financial Services Limited (FRN 440703). When you use CNS FINANCIAL SOLUTIONS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CNS FINANCIAL SOLUTIONS, 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 cnsfinancialsolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 07414 750874 is
  • Who else gives the postcode DD11 1JD
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Other names (2)

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

  • CNS Financial Trading name
  • CNS Financial Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
SC681926
Company status
Active
Company type
Private limited company
Incorporated
25 November 2020 (5 years old)
Registered office
53 Lordburn, Arbroath, DD11 1JD, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Cary Nicol Stewart Director Sep 1995 25 Nov 2020 None

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 31 March 2026Micro-entity accountsNot audited

Net assets

£70.0k

−59% from £170k

Employees (average)

3

Same as 3

Owed within a year

£29.7k

−26% from £40.1k

Assets and liabilities

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 SC681926. 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

Cns Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2023

30 June 2023

  • Changed its registered name from "CNS Financial Solutions Ltd"

FCA register

2021

27 February 2021

  • Became an appointed representative

FCA register

2020

25 November 2020

  • Incorporated at Companies House
  • Cary Nicol Stewart took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like Cns Financial Solutions

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

In Arbroath

A Plus Financial Planning LimitedArbroathAppointed representative

In the Dundee (DD) postcode area

Alan Dunn Financial Management LimitedDundeeAppointed representativeAlastair James WatsonDundeeAppointed representativeAndy Caterer Wealth Management LtdDundeeAppointed representativeDave Murray Wealth Management LtdDundeeAppointed representativeDavid Keddie Wealth Management LtdAppointed 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 Cns Financial Solutions

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 8 events in its history

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Frequently asked questions about this firm

Is Cns Financial Solutions Limited FCA authorised?
Cns Financial Solutions Limited (FRN 945787) 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 Cns Financial Solutions?
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. Cns Financial Solutions Limited (FRN 945787) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Cns Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cns Financial Solutions, 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 Cns Financial Solutions’ phone number and website?
The FCA register lists the phone number 07414 750874 and the website cnsfinancialsolutions.co.uk for Cns Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Cns Financial Solutions a scam or clone?
Cns Financial Solutions 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 Cns Financial Solutions?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Cns Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cns Financial Solutions?
Companies House lists one person with significant control of Cns Financial Solutions: Mr Cary Nicol Stewart (75–100% of shares).
Who runs Cns Financial Solutions?
Companies House lists one director of Cns Financial Solutions: Cary Nicol Stewart.
How long has Cns Financial Solutions been in business?
The company was formed on 25 November 2020.
What do Cns Financial Solutions’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £70.0k (−59% from £170k).
Does Cns Financial Solutions use any other names?
It trades as CNS Financial. It has previously used the name CNS Financial Solutions Ltd.

Sources and links

The full report on Cns Financial Solutions Limited

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