Just Financial Group Ltd
Reference number: 739938
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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.
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Phone number
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Address
39 York Place, Edinburgh, Edinburgh, City Of, EH1 3HP, United Kingdom
In the full report: 3 background checks
- When justfinancialgroup.co.uk first appeared online, and whether it can receive email
- What kind of line 0131 322 3999 is
- Who else gives the postcode EH1 3HP
Other names (1)
If you were contacted under any of these names, it is this firm.
- Just Financial Group Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- 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.
- 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.
- Advise on or arrange mortgages 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 (6 permissions)
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on Pension Transfers and Pension Opt Outs
- Arranging (bringing about) deals in investments
- Credit Broking
- Debt-counselling
- Making arrangements with a view to transactions in investments
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
- SC524886 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 January 2016 (10 years old)
- Registered office
- 200 Bath Street, 2nd Floor, Glasgow, G2 4HG, 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 |
|---|---|---|---|---|
| Dhawal Vasant Chandan | Director | May 1980 | 22 Jan 2016 | 5 other companies |
| Gary Anthony Watt | Director | Sep 1978 | 22 Jan 2016 | 5 other companies |
| Al-Karim Sarfaraz Parpia | Director | Sep 1983 | 26 Apr 2019 | 8 other companies |
| Nicole Armstrong | Director | Jan 1983 | 18 Mar 2026 | 5 other companies |
| Dhawal Vasant Chandan | Secretary | Not published | 22 Jan 2016 | – |
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
- 12
- still active
- 12
- are FCA-registered
- 3
In the full report: all 12 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 3 on the FCA register
- The 5 companies these 4 directors run together
Filed accounts and finances
Net assets
£397k
+23% from £321k
Cash at bank
£412k
+31% from £314k
Employees (average)
14
+7.7% from 13
Owed within a year
£41.1k
+115% from £19.1k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 SC524886. 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
Just Financial Group’s history from the FCA register and Companies House, newest first.
2023
25 November 2023
- Al-Karim Sarfaraz Parpia stopped being the majority owner
- Dhawal Vasant Chandan stopped being a part-owner
- Just Financial Holdings Ltd took control (75–100% of shares)
Companies House
16 August 2023
- Gary Anthony Watt stopped being a part-owner
Companies House
2019
13 November 2019
- Al-Karim Sarfaraz Parpia became the majority owner (50–75% of shares)
Companies House
2016
15 August 2016
- Regulated by the FCA from this date
- Changed its registered name from "Just Financial Group Limited"
- Became authorised by the FCA
FCA register
6 April 2016
- Dhawal Vasant Chandan became a part-owner (25–50% of shares)
- Gary Anthony Watt became a part-owner (25–50% of shares)
Companies House
22 January 2016
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (11 shown here)
- Every director appointment and resignation: 4
Firms connected to Just Financial Group
Other FCA-listed firms that share a director, phone number or address with Just Financial Group. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its postcode
- 1
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like Just Financial Group
Other firms of the same type (financial adviser), 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 Just Financial Group
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 12 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 18 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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What do Just Financial Group’s latest accounts show?
Does Just Financial Group use any other names?
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