Cox & Co (Scotland) Ltd

Reference number: 762769

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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 coxandco.co first appeared online, and whether it can receive email
  • What kind of line 0131 229 6017 is
  • Who else gives the postcode EH1 2DP
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Other names (4)

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

  • Casa Finance Trading name: A name it trades under now.
  • Cox & Co Trading name: A name it trades under now.
  • McHardy & Cox Trading name: A name it trades under now.
  • Mortgage Haven UK Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company status
Active
Company type
Private limited company
Incorporated
14 June 2016 (10 years old)
Registered office
12 Castle Terrace, Edinburgh, EH1 2DP, Scotland
Nature of business
  • Other letting and operating of own or leased real estate (SIC 68209)

Directors and company secretaries

Name Role Born Appointed Other companies
John Cox Director Oct 1983 14 Jun 2016 1 other company
Matthew James Holbrook Director Oct 1987 26 Sep 2025 None
Adele Wright Director Feb 1979 26 Sep 2025 3 other companies

Other companies run by these 3 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
4
still active
4

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£323k

Down £60.7k from −£262k

Cash at bank

£86.6k

+54% from £56.3k

Employees (average)

13

+30% from 10

Owed within a year

£273k

+41% from £194k

Net assets are negative: on its last balance sheet the company owed £323k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 SC537847. 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

Cox & Co (Scotland)’s history from the FCA register and Companies House, newest first.

2025

26 September 2025

  • Casa Group Holdings Limited took control (75–100% of shares)
  • John Mark Cox stopped being the majority owner

Companies House

2022

1 July 2022

  • Alex Cox stopped being a part-owner
  • John Mark Cox became the majority owner (50–75% of shares)

Companies House

2017

6 April 2017

  • Alex Cox became a part-owner (25–50% of shares)

Companies House

1 February 2017

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
  • Became authorised by the FCA

FCA register

2016

14 June 2016

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Cox & Co (Scotland)

Other FCA-listed firms that share a director, phone number or address with Cox & Co (Scotland). 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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Firms like Cox & Co (Scotland)

Other firms of the same type (mortgage adviser or broker), nearest first.

In Edinburgh

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 Cox & Co (Scotland)

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Cox & Co (Scotland) Ltd FCA authorised?
Yes, Cox & Co (Scotland) Ltd (FRN 762769) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Cox & Co (Scotland)’s phone number and website?
The FCA register lists the phone number 0131 229 6017 and the website coxandco.co for Cox & Co (Scotland). If you were given different contact details, use these to check with the firm before going any further.
Is Cox & Co (Scotland) a scam or clone?
Cox & Co (Scotland) 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 Cox & Co (Scotland)?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Cox & Co (Scotland) to the Financial Ombudsman Service, free of charge.
Who owns Cox & Co (Scotland)?
Cox & Co (Scotland) is owned by Casa Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 September 2025. Before that, it was controlled by Mr John Mark Cox and Alex Cox.
Who runs Cox & Co (Scotland)?
Companies House lists 3 directors of Cox & Co (Scotland): John Cox, Matthew James Holbrook and Adele Wright.
How long has Cox & Co (Scotland) been in business?
The company was formed on 14 June 2016, and has held its current FCA authorisation since February 2017.
What do Cox & Co (Scotland)’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£323k (down £60.7k from −£262k) and cash at bank of £86.6k (+54% from £56.3k).
Does Cox & Co (Scotland) use any other names?
It trades as Casa Finance, Cox & Co and McHardy & Cox. It has previously used the name Mortgage Haven UK.

Sources and links

The full report on Cox & Co (Scotland) Ltd

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