Lomond Wealth Management Ltd

Reference number: 929481

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Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Responsible principal firm

Moneyinfo Limited Reference number: 806043 Registered View firm →

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 lomondwealth.com first appeared online, and whether it can receive email
  • What kind of line 01786 542410 is, and the other firm that gives it
  • Who else gives the postcode FK7 7SH
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Other names (1)

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

  • Lomond Wealth Trading name

Past FCA permissions and consumer protection

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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
SC526289
Company status
Active
Company type
Private limited company
Incorporated
8 February 2016 (10 years old)
Registered office
216 West George Street, Glasgow, G2 2PQ, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Derek James Fish Director Jan 1976 8 Feb 2016 2 other companies
Susan Elizabeth Lafferty Director Jul 1981 4 May 2020 1 other company

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
3
still active
3
are FCA-registered
2

In the full report: all 3 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 2 on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2025Small company accountsNot audited

Net assets

£1.32m

+2.7% from £1.28m

Cash at bank

£125k

−65% from £357k

Employees (average)

16

+14% from 14

Owed within a year

£273k

−20% from £340k

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
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company SC526289. 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

Lomond Wealth Management’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2020

8 July 2020

  • Status on the FCA register became "PSD Agent"

FCA register

2016

6 April 2016

  • Derek James Fish became the majority owner (50–75% of shares)
  • Rona Fish became a part-owner (25–50% of shares)

Companies House

8 February 2016

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Lomond Wealth Management

Other FCA-listed firms that share a director, phone number or address with Lomond Wealth Management. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its phone number
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Get the full report on Lomond Wealth Management

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 9 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lomond Wealth Management Ltd FCA authorised?
Lomond Wealth Management Ltd (FRN 929481) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
What is Lomond Wealth Management’s phone number and website?
The FCA register lists the phone number 01786 542410 and the website lomondwealth.com for Lomond Wealth Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Lomond Wealth Management a scam or clone?
Lomond Wealth Management 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 Lomond Wealth Management?
Lomond Wealth Management is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Who owns Lomond Wealth Management?
Companies House lists 2 people with significant control of Lomond Wealth Management: Mr Derek James Fish (50–75% of shares) and Mrs Rona Fish (25–50% of shares).
Who runs Lomond Wealth Management?
Companies House lists 2 directors of Lomond Wealth Management: Derek James Fish and Susan Elizabeth Lafferty.
How long has Lomond Wealth Management been in business?
The company was formed on 8 February 2016.
What do Lomond Wealth Management’s latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £1.32m (+2.7% from £1.28m) and cash at bank of £125k (−65% from £357k).
Does Lomond Wealth Management use any other names?
It trades as Lomond Wealth.

Sources and links

The full report on Lomond Wealth Management Ltd

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