Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- KBF Associates Ltd (FRN 1041334) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use KBF Associates's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from KBF Associates, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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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No website on the FCA register
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Phone number
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Address
32 Portland Road, Kilmarnock, East Ayrshire, KA1 2DL, United Kingdom
In the full report: 2 background checks
- What kind of line 01563 574225 is
- Who else gives the postcode KA1 2DL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- SC836437 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 February 2025 (1 year old)
- Registered office
- 1a Bank Place, Kilmarnock, KA1 1HJ, Scotland
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kenneth Douglas Binnie | Director | May 1960 | 11 Aug 2025 | None |
| Maureen Graham | Director | Jul 1970 | 13 May 2026 | None |
| Douglas Calder | Director | Oct 1962 | 12 Jun 2026 | None |
In the full report: every company its directors have run
- Confirmation that these 3 directors run no other company
- All 4 people who have been directors, with their dates
Key dates in its history
KBF Associates’s history from the FCA register and Companies House, newest first.
2025
29 October 2025
- Kenneth Douglas Binnie became the majority owner (50–75% of shares)
Companies House
15 September 2025
- Became an appointed representative
FCA register
4 February 2025
- Incorporated at Companies House
- Alan Carson McLeish became a part-owner (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (4 shown here)
- Every director appointment and resignation: 5
Firms connected to KBF Associates
Other FCA-listed firms that share a director, phone number or address with KBF Associates. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like KBF Associates
Other firms of the same type (insurance broker), nearest first.
In Kilmarnock
In the Kilmarnock (KA) postcode area
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 KBF Associates
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 9 events in its history
- 1 connected firm, 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
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk