Johnston Financial Limited
Reference number: 131706
Instant download
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.
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Phone number
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Address
Amber River Johnston Financial, 5 Lochside Way, Edinburgh, EH12 9DT, United Kingdom
In the full report: 3 background checks
- When amberriver.com first appeared online, and whether it can receive email
- What kind of line 0131 556 4540 is, and the other firm that gives it
- Who else gives the postcode EH12 9DT
Other names (5)
If you were contacted under any of these names, it is this firm.
- Amber River Johnston Financial Trading name: A name it trades under now.
- Vital Wealth Management Trading name: A name it trades under now.
- Johnston Financial Services Limited Former name: A name it was registered under before.
- Heritable Financial Planning Former trading name: A name it used to trade under.
- JF Mortgages Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Hold or safeguard your money · Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Advise on or arrange mortgages · Arrange equity release FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (16 permissions)
- Advising on a home reversion plan
- 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) a home reversion plan
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Arranging safeguarding and administration of assets
- Credit Broking
- Dealing in investments as agent
- Debt-counselling
- Making arrangements with a view to a home reversion plan
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
- Managing investments
- Providing Credit Information Services
Limits on what they may do
- This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.
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
- SC108188 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 December 1987 (38 years old)
- Registered office
- Level 3, 6 St Andrew Square, Edinburgh, EH2 2BD, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| John Patrick Mcardle | Director | Jan 1968 | 1 May 2002 | 7 other companies |
| Suzanne Katharine Gray | Director | Jul 1982 | 20 Apr 2018 | 3 other companies |
| Stephen Keith Rowntree | Director | May 1983 | 26 Apr 2023 | 1 other company |
Other companies run by these 3 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
- 4
- 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 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- The 2 companies these 3 directors run together
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£2.50m
+14% from £2.20m
Cash at bank
£1.67m
+30% from £1.28m
Employees (average)
0
−100% from 14
Owed within a year
£240k
+22% from £197k
Assets and liabilities
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 SC108188. 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
Johnston Financial’s history from the FCA register and Companies House, newest first.
2025
21 March 2025
- FCA imposed a requirement (May control but not hold client money)
FCA register
2022
19 July 2022
- Jacaranda Bidco Limited took control (75–100% of shares)
- John Patrick McArdle stopped being the majority owner
Companies House
2020
1 September 2020
- Adrian Michael Johnston stopped being a part-owner
Companies House
2018
19 December 2018
- Changed its registered name from "Johnston Financial Services Limited"
FCA register
30 April 2018
- John Patrick McArdle became the majority owner (50–75% of shares)
Companies House
2016
6 April 2016
- Adrian Michael Johnston became a part-owner (25–50% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2001
1 December 2001
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
1995
13 February 1995
- Regulated by the Personal Investment Authority from this date
FCA register
1987
10 December 1987
- Incorporated at Companies House
Companies House
In the full report: all 35 events
- All 35 events in its history (12 shown here)
- Every director appointment and resignation: 11
Firms connected to Johnston Financial
Other FCA-listed firms that share a director, phone number or address with Johnston Financial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 1
- share its phone number
- 1
In the full report: all 3 connected firms, named
- How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Johnston Financial
Other firms of the same type (investment or fund manager), nearest first.
In Edinburgh
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 Johnston Financial
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
- All 35 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk