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
AFS Compliance Ltd Reference number: 625035 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.
- GBR Financial Solutions Ltd (FRN 1040520) is an AR of AFS Compliance Ltd (FRN 625035). When you use GBR Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from GBR 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.
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No website on the FCA register
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Phone number
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Address
Owl House, Upper Lochton, Banchory, Aberdeenshire, AB31 4EQ, United Kingdom
In the full report: 2 background checks
- What kind of line 07771 973099 is
- Who else gives the postcode AB31 4EQ
Other names (2)
If you were contacted under any of these names, it is this firm.
- DMK Finance Trading name: A name it trades under now.
- Synergy Commercial Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through AFS Compliance Ltd, 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, freeYou 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
- SC850012 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 May 2025 (1 year old)
- Registered office
- 59 High Street, Banchory, AB31 5TJ, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Graham Reid | Director | Oct 1981 | 27 May 2025 | 17 other companies |
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
- 17
- closed down
- 7
- still active
- 10
In the full report: all 17 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
Key dates in its history
GBR Financial Solutions’s history from the FCA register and Companies House, newest first.
2025
9 September 2025
- Became an appointed representative
FCA register
27 May 2025
- Incorporated at Companies House
- Graham Reid took control (75–100% of shares)
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 1
Firms like GBR Financial Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Banchory
In the Aberdeen (AB) postcode area
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 GBR Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 17 other companies its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for GBR Financial Solutions?
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Is GBR Financial Solutions a scam or clone?
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Does GBR Financial Solutions use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk