J M Taylor Financial Services Limited

Reference number: 497519

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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, 1 thing worth a closer look

  • When jmtaylor-ifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 01224 798640 is
  • Who else gives the postcode AB21 0PS
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Other names (4)

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

  • Algaro Limited Former name
  • 1st Call Former trading name
  • JM Taylor Independent Financial Advisers Former trading name
  • Specialist Pensions 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • 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
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • 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
SC352131
Company status
Active
Company type
Private limited company
Incorporated
4 December 2008 (17 years old)
Registered office
Citygate Blackburn Business Park, Woodburn Road, Blackburn, Aberdeen, AB21 0PS, Scotland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Gail Doreen Crighton Director Jul 1967 4 Dec 2008 6 other companies
Alexander Edward Benson Director Apr 1958 4 Dec 2008 6 other companies
Kelly Forrest Creighton Director Jun 1975 1 Jun 2015 None
Robert Charles Chalmers Director Aug 1966 30 Apr 2018 5 other companies

Other companies run by these 4 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
8
closed down
3
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 5 companies these 4 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£1.83m

+6.9% from £1.71m

Cash at bank

£1.62m

−7.1% from £1.75m

Employees (average)

13

−7.1% from 14

Owed within a year

£265k

−40% from £439k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 SC352131. 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

J M Taylor Financial Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (27)

2016

6 April 2016

  • Alexander Edward Benson became a part-owner (25–50% of shares)
  • Gail Doreen Crighton became a part-owner (25–50% of shares)
  • Robert Charles Chalmers became a part-owner (25–50% of shares)

Companies House

2014

5 February 2014

  • Changed its registered name from "Algaro Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

3 August 2009

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

FCA register

2008

4 December 2008

  • Incorporated at Companies House

Companies House

In the full report: all 27 events

  • All 27 events in its history (8 shown here)
  • Every director appointment and resignation: 10
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Firms connected to J M Taylor Financial Services

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

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like J M Taylor Financial Services

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

In Aberdeen

AAB Wealth LimitedAberdeenAuthorisedAberdein Considine Wealth LimitedAberdeenAuthorisedAtholl Scott Financial Services LimitedAberdeenAuthorisedBureau of Independent Financial Advice LtdAberdeenAuthorisedFutura Investments LimitedAberdeenAuthorisedJP Maxwell Financial Management LtdAberdeenAuthorised

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 J M Taylor Financial Services

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 27 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is J M Taylor Financial Services Limited FCA authorised?
Yes, J M Taylor Financial Services Limited (FRN 497519) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2009 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is J M Taylor Financial Services’ phone number and website?
The FCA register lists the phone number 01224 798640 and the website jmtaylor-ifa.co.uk for J M Taylor Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is J M Taylor Financial Services a scam or clone?
J M Taylor Financial Services 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 J M Taylor Financial Services?
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 J M Taylor Financial Services to the Financial Ombudsman Service, free of charge.
Who owns J M Taylor Financial Services?
Companies House lists 3 people with significant control of J M Taylor Financial Services: Ms Gail Doreen Crighton (25–50% of shares), Mr Robert Charles Chalmers (25–50% of shares) and Mr Alexander Edward Benson (25–50% of shares).
Who runs J M Taylor Financial Services?
Companies House lists 4 directors of J M Taylor Financial Services: Gail Doreen Crighton, Alexander Edward Benson, Kelly Forrest Creighton and Robert Charles Chalmers.
How long has J M Taylor Financial Services been in business?
The company was formed on 4 December 2008, and has held its current FCA authorisation since August 2009.
What do J M Taylor Financial Services’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £1.83m (+6.9% from £1.71m) and cash at bank of £1.62m (−7.1% from £1.75m).
Does J M Taylor Financial Services use any other names?
It has previously used 4 other names, including Algaro Limited, 1st Call and JM Taylor Independent Financial Advisers.

Sources and links

The full report on J M Taylor Financial Services Limited

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