Findlay & Co Financial Solutions Ltd

Reference number: 769877

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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.
  • Findlay & Co Financial Solutions Ltd (FRN 769877) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Findlay & Co Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Findlay & Co 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 findlaycofs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01506 414332 is
  • Who else gives the postcode EH54 7EG
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Other names (6)

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

  • Evie & Co Financial Solutions Trading name
  • Miller Hendry Asset Management Trading name
  • Bridges Mortgages Former trading name
  • Castlebrae Financial Services Former trading name
  • Medical Financial Management Former trading name
  • Miller Hendy Former trading 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
SC550871
Company status
Active
Company type
Private limited company
Incorporated
22 November 2016 (9 years old)
Registered office
18 Ladywood Place, Livingston, EH54 6TA, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Pension funding (SIC 65300)

Directors and company secretaries

Name Role Born Appointed Other companies
Kenneth James Findlay Director Oct 1971 22 Nov 2016 3 other companies
Kirsty Findlay Secretary Not published 22 Feb 2017 –

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
3
closed down
3

In the full report: all 3 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 30 November 2025Micro-entity accountsNot audited

Net assets

£311k

−4.8% from £327k

Employees (average)

13

+30% from 10

Owed within a year

£102k

+51% from £67.5k

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 SC550871. 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

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

Key events (3) All events (14)

2017

20 January 2017

  • Became an appointed representative

FCA register

2016

22 November 2016

  • Incorporated at Companies House
  • Kenneth James Findlay took control (75–100% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like Findlay & Co Financial Solutions

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

In Livingston

Active Asset Management (Scotland) LtdLivingstonAuthorisedGmb Portfolio Services Ltd.LivingstonAuthorisedLBFA LimitedLivingstonAuthorisedRutland Independent Wealth Management LLPLivingstonAuthorised

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 Findlay & Co Financial Solutions

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 14 events in its history

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Frequently asked questions about this firm

Is Findlay & Co Financial Solutions Ltd FCA authorised?
Findlay & Co Financial Solutions Ltd (FRN 769877) 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 Findlay & Co 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. Findlay & Co Financial Solutions Ltd (FRN 769877) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Findlay & Co Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Findlay & Co 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 Findlay & Co Financial Solutions’ phone number and website?
The FCA register lists the phone number 01506 414332 and the website findlaycofs.co.uk for Findlay & Co Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Findlay & Co Financial Solutions a scam or clone?
Findlay & Co 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 Findlay & Co Financial Solutions?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Findlay & Co Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Findlay & Co Financial Solutions?
Companies House lists one person with significant control of Findlay & Co Financial Solutions: Mr Kenneth James Findlay (75–100% of shares).
Who runs Findlay & Co Financial Solutions?
Companies House lists one director of Findlay & Co Financial Solutions: Kenneth James Findlay.
How long has Findlay & Co Financial Solutions been in business?
The company was formed on 22 November 2016.
What do Findlay & Co Financial Solutions’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £311k (−4.8% from £327k).
Does Findlay & Co Financial Solutions use any other names?
It trades as Evie & Co Financial Solutions and Miller Hendry Asset Management. It has previously used 4 other names, including Bridges Mortgages, Castlebrae Financial Services and Medical Financial Management.

Sources and links

The full report on Findlay & Co Financial Solutions Ltd

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