Highland Opportunity (Investments) Limited

Reference number: 724096

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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 hoil.co.uk first appeared online, and whether it can receive email
  • What kind of line 01463 702515 is
  • Who else gives the postcode IV3 5NX
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FCA permissions and consumer protection

  • 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 (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
SC240940
Company status
Active
Company type
Private limited company
Incorporated
10 December 2002 (23 years old)
Registered office
Highland Council Headquarters, Glenurquhart Road, Inverness, IV3 5NX, Scotland
Nature of business
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Struan Mackie Director Mar 1993 9 Jun 2022 None
Kathleen Laura Maclean Director May 1955 8 Dec 2022 3 other companies
Tamala Sajani Ishanka Collier Director May 1986 14 Dec 2023 None
Maureen Ross Ross Director Aug 1954 14 Mar 2024 6 other companies
Jacqueline Michele Hendry Director Apr 1966 9 May 2024 1 other company
Isabelle Mary Campbell Director Jun 1947 31 Oct 2024 4 other companies
Leslie-Anne Niven Director Apr 1967 26 Mar 2026 1 other company
Michael James Cameron Director Aug 1966 17 Sep 2026 None
Stewart Fraser Secretary Not published 8 Dec 2017 –

Other companies run by these 8 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
15
closed down
2
went insolvent
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The one on the FCA register
  • All 45 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsAudited

Total equity

£1.90m

+1.4% from £1.88m

Employees (average)

0

Same as 0

Owed within a year

£172k

+99% from £86.2k

Total equity

In the full report: all 4 years of accounts

  • Every year from 2022 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 SC240940. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Highland Opportunity (Investments)’s history from the FCA register and Companies House, newest first.

Key events (8) All events (100)

2022

5 May 2022

  • Board replaced: all 9 directors left and 10 new directors took over

Companies House

2017

1 June 2017

  • Board replaced: all 8 directors left and 9 new directors took over

Companies House

2016

10 December 2016

  • Highland Opportunity Limited gained significant control

Companies House

23 August 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2012

3 May 2012

  • Board replaced: its only director left and 2 new directors took over

Companies House

2007

9 May 2007

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

Companies House

2002

10 December 2002

  • Incorporated at Companies House

Companies House

In the full report: all 100 events

  • All 100 events in its history (8 shown here)
  • Every director appointment and resignation: 90
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Firms connected to Highland Opportunity (Investments)

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Highland Opportunity (Investments)

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

In Inverness

Andy HugensInvernessAuthorisedDalziels Private Personal Finance LimitedInvernessAuthorised

In the Inverness (IV) postcode area

Macleman Wealth LtdNairnAuthorisedMalone M LimitedCromartyAuthorised

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 Highland Opportunity (Investments)

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 100 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Highland Opportunity (Investments) Limited FCA authorised?
Yes, Highland Opportunity (Investments) Limited (FRN 724096) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Highland Opportunity (Investments)’s phone number and website?
The FCA register lists the phone number 01463 702515 and the website hoil.co.uk for Highland Opportunity (Investments). If you were given different contact details, use these to check with the firm before going any further.
Is Highland Opportunity (Investments) a scam or clone?
Highland Opportunity (Investments) 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 Highland Opportunity (Investments)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Highland Opportunity (Investments) handles your money, so check the specific product before you commit. You can also refer complaints about Highland Opportunity (Investments) to the Financial Ombudsman Service, free of charge.
Who owns Highland Opportunity (Investments)?
Companies House lists one person with significant control of Highland Opportunity (Investments): Highland Opportunity Limited (significant influence or control).
Who runs Highland Opportunity (Investments)?
Companies House lists 8 directors of Highland Opportunity (Investments): Struan Mackie, Kathleen Laura Maclean, Tamala Sajani Ishanka Collier, Maureen Ross Ross, Jacqueline Michele Hendry, Isabelle Mary Campbell and 2 more.
How long has Highland Opportunity (Investments) been in business?
The company was formed on 10 December 2002, and has held its current FCA authorisation since August 2016.
What do Highland Opportunity (Investments)’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £1.90m (+1.4% from £1.88m).

Sources and links

The full report on Highland Opportunity (Investments) Limited

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