Heritable Limited

Reference number: 302275

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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 heritableltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01764 449082 is
  • Who else gives the postcode PH6 2LJ
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Other names (1)

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

  • Heritable Financial Planning 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.
  • 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 (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • 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
SC237615
Company status
Active
Company type
Private limited company
Incorporated
2 October 2002 (24 years old)
Registered office
11, Upper Floor, Dunira Street, Comrie, Crieff, PH6 2LJ, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Colin Fraser Mccallum Director Feb 1953 1 Dec 2003 4 other companies
Catherine Isobel Edith Mccallum Director Nov 1954 6 Jun 2011 5 other companies
Catherine Isobel Edith Mccallum Secretary Not published 1 Jun 2010 –

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
7
closed down
4
run together
2

In the full report: all 7 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 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2026Small company accountsNot audited

Net assets

£20.8k

+4% from £20.0k

Cash at bank

£36.4k

+58% from £23.1k

Employees (average)

4

Same as 4

Owed within a year

£16.0k

<1% from £15.9k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 SC237615. 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

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

Key events (6) All events (18)

2016

6 April 2016

  • Colin Fraser McCallum gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2003

1 December 2003

  • Board replaced: its only director left and a new director took over

Companies House

2002

2 October 2002

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms like Heritable

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

Elsewhere in the UK

(SMT) Money Matters LimitedCrawleyAuthorised415 LLPWantageAuthorisedAbsolute Sense Independent Financial Advisers LimitedElySee the registerAcorn to Oaks Financial Services LtdWillenhallAuthorisedActive Financial Partners LimitedWaterloovilleAuthorisedActive Investment Managers LimitedHullAuthorised

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 Heritable

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 18 events in its history

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Frequently asked questions about this firm

Is Heritable Limited FCA authorised?
Yes, Heritable Limited (FRN 302275) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a pension transfer adviser. The FCA has placed no limits on its permissions.
What is Heritable’s phone number and website?
The FCA register lists the phone number 01764 449082 and the website heritableltd.co.uk for Heritable. If you were given different contact details, use these to check with the firm before going any further.
Is Heritable a scam or clone?
Heritable 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 Heritable?
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 Heritable to the Financial Ombudsman Service, free of charge.
Who owns Heritable?
Companies House lists one person with significant control of Heritable: Mr Colin Fraser McCallum (significant influence or control).
Who runs Heritable?
Companies House lists 2 directors of Heritable: Colin Fraser McCallum and Catherine Isobel Edith McCallum.
How long has Heritable been in business?
The company was formed on 2 October 2002, and has held its current FCA authorisation since October 2004.
What do Heritable’s latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of £20.8k (+4% from £20.0k) and cash at bank of £36.4k (+58% from £23.1k).
Does Heritable use any other names?
It has previously used the name Heritable Financial Planning.

Sources and links

The full report on Heritable Limited

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