ERG (Scotland) Limited

Reference number: 729552

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 ergscotland.co.uk first appeared online, and whether it can receive email
  • What kind of line 01349 856900 is
  • Who else gives the postcode IV18 0SB
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FCA permissions and consumer protection

  • 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 (1 permission)
  • Credit Broking

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
SC195590
Company status
Active
Company type
Private limited company
Incorporated
22 April 1999 (27 years old)
Registered office
19 Clayton Court, Invergordon Industrial Estate, Invergordon, Ross-Shire, IV18 0SB
Nature of business
  • Other building completion and finishing (SIC 43390)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian David Joy Director Jan 1967 22 Apr 1999 3 other companies
Greer Helen Joy Director Oct 1967 19 Oct 2006 1 other company
Greer Helen Joy Secretary Not published 1 Nov 2012 –

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
3
closed down
3
run together
1

In the full report: all 3 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 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Abridged accountsNot audited

Net assets

£690k

−17% from £826k

Cash at bank

£303k

−25% from £401k

Employees (average)

33

Same as 33

Owed within a year

£1.08m

+2.2% from £1.06m

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 SC195590. 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

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

Key events (10) All events (22)

2024

11 September 2024

  • Greer Helen Joy became a part-owner (25–50% of shares)

Companies House

2017

30 April 2017

  • Greer Helen Joy stopped being the majority owner

Companies House

2016

7 September 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

6 April 2016

  • Greer Helen Joy became the majority owner (50–75% of shares)
  • Ian David Joy became the majority owner (50–75% of shares)
  • Peter Cunningham Swanson gained significant control
  • Peter Cunningham Swanson no longer has significant control

Companies House

1999

22 April 1999

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (10 shown here)
  • Every director appointment and resignation: 10
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Firms like ERG (Scotland)

Other firms of the same type (home improvement or trades), nearest first.

In the Inverness (IV) postcode area

Cameron's Planning Solutions LtdInvernessAppointed representativeCathedral Windows (Moray) LimitedElginAppointed representativeMates rates LtdDingwallAppointed representativeMcInnes Group LimitedInvernessAppointed representativeMRF Plumbing & Heating LTDFortroseAppointed representativeRi Cruden LimitedInvernessAppointed 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 ERG (Scotland)

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history

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Frequently asked questions about this firm

Is ERG (Scotland) Limited FCA authorised?
Yes, ERG (Scotland) Limited (FRN 729552) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a home improvement or trades. The FCA has placed a limit on what it may do.
What is ERG (Scotland)’s phone number and website?
The FCA register lists the phone number 01349 856900 and the website ergscotland.co.uk for ERG (Scotland). If you were given different contact details, use these to check with the firm before going any further.
Is ERG (Scotland) a scam or clone?
ERG (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 ERG (Scotland)?
It may control client money but not hold it. Protection depends on which product you hold and how ERG (Scotland) handles your money, so check the specific product before you commit. You can also refer complaints about ERG (Scotland) to the Financial Ombudsman Service, free of charge.
Who owns ERG (Scotland)?
Companies House lists 2 people with significant control of ERG (Scotland): Mr Ian David Joy (50–75% of shares) and Mrs Greer Helen Joy (25–50% of shares). Before that, it was controlled by Mr Peter Cunningham Swanson.
Who runs ERG (Scotland)?
Companies House lists 2 directors of ERG (Scotland): Ian David Joy and Greer Helen Joy.
How long has ERG (Scotland) been in business?
The company was formed on 22 April 1999, and has held its current FCA authorisation since September 2016.
What do ERG (Scotland)’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £690k (−17% from £826k) and cash at bank of £303k (−25% from £401k).

Sources and links

The full report on ERG (Scotland) Limited

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