Kerr and Smith (Cumnock) Limited

Reference number: 997928

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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

Automotive Compliance Limited Reference number: 497010 Authorised 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.
  • KERR AND SMITH (CUMNOCK) LIMITED (FRN 997928) is an AR of Automotive Compliance Limited (FRN 497010). When you use KERR AND SMITH (CUMNOCK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from KERR AND SMITH (CUMNOCK), 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.

In the full report: 3 background checks

  • When kerrandsmithvauxhall.co.uk first appeared online, and whether it can receive email
  • What kind of line 01290 422440 is
  • Who else gives the postcode KA18 1BJ
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Other names (1)

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

  • Kerr and Smith Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Automotive Compliance Limited, 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, free
    You 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
SC106800
Company status
Active
Company type
Private limited company
Incorporated
22 September 1987 (39 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Sale of new cars and light motor vehicles (SIC 45111)
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Maintenance and repair of motor vehicles (SIC 45200)
  • Retail trade of motor vehicle parts and accessories (SIC 45320)

Directors and company secretaries

Name Role Born Appointed Other companies
Donna Elizabeth Mcclure Director Dec 1964 1 Oct 2007 3 other companies
William Smith Director Apr 1974 1 Oct 2007 5 other companies

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
5
closed down
2
run together
3

In the full report: all 5 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 3 companies these 2 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Full accountsAudited

Profit before tax

£86.8k

−66% from £253k

Net assets

£1.82m

+2% from £1.78m

Cash at bank

£807k

−13% from £930k

Owed within a year

£4.45m

−1.4% from £4.51m

Profit before tax

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company SC106800. 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

Kerr and Smith (Cumnock)’s history from the FCA register and Companies House, newest first.

Key events (8) All events (20)

2023

14 June 2023

  • Became an appointed representative

FCA register

2022

28 April 2022

  • James Taylor Smith stopped being a part-owner
  • William Smith gained significant control

Companies House

2021

22 July 2021

  • W & J Smith Holdings Ltd took control (75–100% of shares)

Companies House

2018

9 February 2018

  • William Kerr stopped being a part-owner

Companies House

2016

6 April 2016

  • James Taylor Smith became a part-owner (25–50% of shares)
  • William Kerr became a part-owner (25–50% of shares)

Companies House

1987

22 September 1987

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (8 shown here)
  • Every director appointment and resignation: 11
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Firms like Kerr and Smith (Cumnock)

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

In the Kilmarnock (KA) postcode area

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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 Kerr and Smith (Cumnock)

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Kerr and Smith (Cumnock) Limited FCA authorised?
Kerr and Smith (Cumnock) Limited (FRN 997928) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Kerr and Smith (Cumnock)?
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. Kerr and Smith (Cumnock) Limited (FRN 997928) is an AR of Automotive Compliance Limited (FRN 497010). When you use Kerr and Smith (Cumnock)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kerr and Smith (Cumnock), 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.
What is Kerr and Smith (Cumnock)’s phone number and website?
The FCA register lists the phone number 01290 422440 and the website kerrandsmithvauxhall.co.uk for Kerr and Smith (Cumnock). If you were given different contact details, use these to check with the firm before going any further.
Is Kerr and Smith (Cumnock) a scam or clone?
Kerr and Smith (Cumnock) 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 Kerr and Smith (Cumnock)?
Protection works through Automotive Compliance Limited, the principal firm responsible for Kerr and Smith (Cumnock)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Kerr and Smith (Cumnock)?
Kerr and Smith (Cumnock) is owned by W & J Smith Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 22 July 2021. Before that, it was controlled by Mr William Kerr and Mr James Taylor Smith.
Who runs Kerr and Smith (Cumnock)?
Companies House lists 2 directors of Kerr and Smith (Cumnock): Donna Elizabeth McClure and William Smith.
How long has Kerr and Smith (Cumnock) been in business?
The company was formed on 22 September 1987.
What do Kerr and Smith (Cumnock)’s latest accounts show?
Its latest accounts, to 31 July 2025, show profit before tax of £86.8k (−66% from £253k) and net assets of £1.82m (+2% from £1.78m).
Does Kerr and Smith (Cumnock) use any other names?
It trades as Kerr and Smith.

Sources and links

The full report on Kerr and Smith (Cumnock) Limited

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