Kmac Finance Ltd
Reference number: 995928
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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.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 30 April 2025
- On its latest accounts it owed £15.1k more than it owned
Responsible principal firm
Crystal Business Finance Limited Reference number: 653671 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.
- KMAC FINANCE LTD (FRN 995928) is an AR of Crystal Business Finance Limited (FRN 653671). When you use KMAC FINANCE's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from KMAC FINANCE, 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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Phone number
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Address
68 Kethers Street, Motherwell, Lanarkshire, ML1 3HN, United Kingdom
In the full report: 3 background checks
- When kmacfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 07435 396250 is
- Who else gives the postcode ML1 3HN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Crystal Business Finance 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, 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
- SC765244 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 April 2023 (3 years old)
- Registered office
- 17 Flowerhill Street, Airdrie, ML6 6AP, 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 |
|---|---|---|---|---|
| Kevin Thomas | Director | Jul 1972 | 6 Apr 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
−£15.1k
Down £15.5k from £369
Cash at bank
£530
−91% from £6,221
Employees (average)
1
Same as 1
Owed within a year
£16.0k
+100% from £8,019
Net assets are negative: on its last balance sheet the company owed £15.1k more than it owned.
Net assets
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 SC765244. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Kmac Finance’s history from the FCA register and Companies House, newest first.
2023
5 May 2023
- Became an appointed representative
FCA register
6 April 2023
- Incorporated at Companies House
- Kevin Thomas took control (75–100% of shares)
- Kevin Thomas appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Kmac Finance
Other firms of the same type (credit broker), nearest first.
In Motherwell
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 Kmac Finance
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
- 3 background checks on its contact details
- All 4 events in its history
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Frequently asked questions about this firm
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What do Kmac Finance’s latest accounts show?
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