Falkirk Independent Financial Consultants Limited

Reference number: 409355

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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 vertus.me first appeared online, and whether it can receive email
  • What kind of line 01324 639383 is
  • Who else gives the postcode FK1 5RZ
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Other names (5)

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

  • Vertus Mortgage & Insurance Brokers Trading name
  • Falkirk Mortgage Centre Former trading name
  • The Independent Mortgage Company Former trading name
  • The Insurance Specialist Former trading name
  • The Specialist Insurance Company Former trading name

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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (13 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
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • 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 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
SC273900
Company status
Active
Company type
Private limited company
Incorporated
27 September 2004 (22 years old)
Registered office
Unit 5 Gateway Business Park, Beancross Road, Grangemouth, FK3 8WX, Scotland
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Craig James Richardson Director Apr 1968 27 Sep 2004 2 other companies
Anne Stewart Secretary Not published 28 Sep 2022 –

Other companies run by its director

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 its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Total equity

£324k

No earlier figure to compare

Cash at bank

£198k

−27% from £270k

Employees (average)

1

Same as 1

Owed within a year

£151k

+15% from £132k

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 SC273900. 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 (7) All events (19)

2023

10 November 2023

  • Anne Stewart stopped being a part-owner

Companies House

2021

1 April 2021

  • Anne Stewart became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Craig James Richardson took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

19 November 2004

  • Became authorised by the FCA

FCA register

18 November 2004

  • Regulated by the Financial Services Authority from this date

FCA register

27 September 2004

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (7 shown here)
  • Every director appointment and resignation: 1
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Similar firms

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

In Falkirk

Castle Financial Consultants LimitedFalkirkAuthorisedCraig EsplinFalkirkAppointed representativeGT Mortgages LtdFalkirkAppointed representativeMark DryburghFalkirkAppointed representativeMortgage IT LtdFalkirkAppointed representativeThe Mortgage Advice Club Commercial LtdFalkirkAppointed 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 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
  • 7 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is Falkirk Independent Financial Consultants Limited FCA authorised?
Yes, Falkirk Independent Financial Consultants Limited (FRN 409355) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Falkirk Independent Financial Consultants’ phone number and website?
The FCA register lists the phone number 01324 639383 and the website vertus.me for Falkirk Independent Financial Consultants. If you were given different contact details, use these to check with the firm before going any further.
Is Falkirk Independent Financial Consultants a scam or clone?
Falkirk Independent 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 Falkirk Independent Financial Consultants?
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 Falkirk Independent Financial Consultants to the Financial Ombudsman Service, free of charge.
Who owns Falkirk Independent Financial Consultants?
Companies House lists one person with significant control of Falkirk Independent Financial Consultants: Mr Craig James Richardson (75–100% of shares). Before that, it was controlled by Mrs Anne Stewart.
Who runs Falkirk Independent Financial Consultants?
Companies House lists one director of Falkirk Independent Financial Consultants: Craig James Richardson.
How long has Falkirk Independent Financial Consultants been in business?
The company was formed on 27 September 2004, and has held its current FCA authorisation since November 2004.
What do Falkirk Independent Financial Consultants’ latest accounts show?
Its latest accounts, to 31 October 2025, show total equity of £324k (no earlier figure to compare) and cash at bank of £198k (−27% from £270k).
Does Falkirk Independent Financial Consultants use any other names?
It trades as Vertus Mortgage & Insurance Brokers. It has previously used 4 other names, including Falkirk Mortgage Centre, The Independent Mortgage Company and The Insurance Specialist.

Sources and links

The full report on Falkirk Independent Financial Consultants Limited

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