I. Cumming Ltd.

Reference number: 726060

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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 grampiancars.co.uk first appeared online, and whether it can receive email
  • What kind of line 01261 832222 is
  • Who else gives the postcode AB44 1RU
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Other names (1)

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

  • GRAMPIAN CARS Trading name

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
  • Debt Adjusting
  • Debt-counselling

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
SC280363
Company status
Active
Company type
Private limited company
Incorporated
22 February 2005 (21 years old)
Registered office
9 Carmelite Street, Banff, Aberdeenshire, AB45 1AF, Scotland
Nature of business
  • Sale of new cars and light motor vehicles (SIC 45111)
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Ivor John Cumming Director Oct 1968 22 Feb 2005 2 other companies
Linda Margaret Cumming Director Feb 1968 1 Feb 2026 1 other company
Linda Margaret Cumming Secretary Not published 22 Feb 2005 –

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
2
still active
2
is FCA-registered
1

In the full report: all 2 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 one on the FCA register
  • The 1 company these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

£282k

−24% from £370k

Employees (average)

3

+50% from 2

Owed within a year

£364k

+17% from £310k

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 SC280363. 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

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

Key events (6) All events (13)

2024

21 December 2024

  • Colin Andrew Ord stopped being a part-owner

Companies House

2016

6 April 2016

  • Colin Andrew Ord became a part-owner (25–50% of shares)
  • Ivor John Cumming became a part-owner (25–50% of shares)

Companies House

2015

2 December 2015

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

FCA register

2005

22 February 2005

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to I. Cumming

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like I. Cumming

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

In Macduff

Victoria Car SalesMacduffAuthorised

In the Aberdeen (AB) postcode area

Aberdeen Autos LimitedInverurieAuthorisedAuto Centre Inverurie LimitedInverurieAuthorisedBanchory Car Sales LtdBanchoryAuthorisedBennie Motors LtdPeterheadAuthorisedBJB Specialist CarsBuckieAuthorised

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 I. Cumming

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is I. Cumming Ltd. FCA authorised?
Yes, I. Cumming Ltd. (FRN 726060) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2015 and works as a car dealer. The FCA has placed no limits on its permissions.
What is I. Cumming’s phone number and website?
The FCA register lists the phone number 01261 832222 and the website grampiancars.co.uk for I. Cumming. If you were given different contact details, use these to check with the firm before going any further.
Is I. Cumming a scam or clone?
I. Cumming 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 I. Cumming?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how I. Cumming handles your money, so check the specific product before you commit. You can also refer complaints about I. Cumming to the Financial Ombudsman Service, free of charge.
Who owns I. Cumming?
Companies House lists one person with significant control of I. Cumming: Mr Ivor John Cumming (25–50% of shares). Before that, it was controlled by Mr Colin Andrew Ord.
Who runs I. Cumming?
Companies House lists 2 directors of I. Cumming: Ivor John Cumming and Linda Margaret Cumming.
How long has I. Cumming been in business?
The company was formed on 22 February 2005, and has held its current FCA authorisation since December 2015.
What do I. Cumming’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £282k (−24% from £370k).
Does I. Cumming use any other names?
It trades as GRAMPIAN CARS.

Sources and links

The full report on I. Cumming Ltd.

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