Harper Stairmand Limited

Reference number: 673911

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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

GEORGE STUBBS INSURANCE SERVICES LIMITED Reference number: 308729 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.
  • Harper Stairmand Limited (FRN 673911) is an AR of GEORGE STUBBS INSURANCE SERVICES LIMITED (FRN 308729). When you use Harper Stairmand's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harper Stairmand, 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 harperstairmand.com first appeared online, and whether it can receive email
  • What kind of line 01738 441555 is, and the other firm that gives it
  • Who else gives the postcode PH2 8BW
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Other names (1)

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

  • Harper Stairmand Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through George Stubbs Insurance 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
SC496388
Company status
Active
Company type
Private limited company
Incorporated
30 January 2015 (11 years old)
Registered office
South Inch Business Centre, Shore Road, Perth, Perthshire, PH2 8BW, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Graeme Harper Director Dec 1970 13 Apr 2015 1 other company
Sean Liam Fleming Director May 1989 18 Dec 2023 5 other companies

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
6
closed down
2
are FCA-registered
2

In the full report: all 6 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 2 on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2023Small company accountsNot audited

Net assets

£100k

−2.9% from £103k

Cash at bank

£37.6k

−1.3% from £38.1k

Employees (average)

9

+50% from 6

Owed within a year

£117k

−16% from £140k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • 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 SC496388. 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

Harper Stairmand’s history from the FCA register and Companies House, newest first.

Key events (10) All events (18)

2025

30 September 2025

  • Changed its registered name from "Harper Stairmand Ltd"

FCA register

2023

18 December 2023

  • Graeme Harper stopped being a part-owner
  • Jmg Gi2 Limited took control (75–100% of shares)
  • Kevin Stairmand stopped being a part-owner

Companies House

7 February 2023

  • George David Stubbs no longer has significant control
  • Graeme Harper became a part-owner (25–50% of shares)
  • Kevin Stairmand became a part-owner (25–50% of shares)

Companies House

2017

30 January 2017

  • George David Stubbs gained significant control

Companies House

2015

26 February 2015

  • Became an appointed representative

FCA register

30 January 2015

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (10 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Harper Stairmand

Other FCA-listed firms that share a director, phone number or address with Harper Stairmand. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
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Firms like Harper Stairmand

Other firms of the same type (insurance broker), nearest first.

In Perth

BQI Protection LtdPerthAppointed representativeM E Hebbourn, K E Neill & M A J RobbPerthAppointed representativeBell Ingram LLPPerthAuthorisedGeorge Stubbs Insurance Services LimitedPerthAuthorisedPSV Claims Bureau LimitedPerthAuthorisedMomentum Warranties LimitedPerthAuthorised

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 Harper Stairmand

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Harper Stairmand Limited FCA authorised?
Harper Stairmand Limited (FRN 673911) 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 Harper Stairmand?
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. Harper Stairmand Limited (FRN 673911) is an AR of GEORGE STUBBS INSURANCE SERVICES LIMITED (FRN 308729). When you use Harper Stairmand's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harper Stairmand, 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 Harper Stairmand’s phone number and website?
The FCA register lists the phone number 01738 441555 and the website harperstairmand.com for Harper Stairmand. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Harper Stairmand a scam or clone?
Harper Stairmand 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 Harper Stairmand?
Protection works through George Stubbs Insurance Services Limited, the principal firm responsible for Harper Stairmand's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Harper Stairmand?
Harper Stairmand is owned by Jmg Gi2 Limited, which holds 75–100% of shares and 75–100% of votes, since 18 December 2023. Before that, it was controlled by Mr George David Stubbs, Mr Graeme Harper and Mr Kevin Stairmand.
Who runs Harper Stairmand?
Companies House lists 2 directors of Harper Stairmand: Graeme Harper and Sean Liam Fleming.
How long has Harper Stairmand been in business?
The company was formed on 30 January 2015.
What do Harper Stairmand’s latest accounts show?
Its latest accounts, to 28 February 2023, show net assets of £100k (−2.9% from £103k) and cash at bank of £37.6k (−1.3% from £38.1k).
Does Harper Stairmand use any other names?
It has previously used the name Harper Stairmand Ltd.

Sources and links

The full report on Harper Stairmand Limited

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