Lows Orkney Limited: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 2 years
Protected through the principal
No FCA actions
Active company since 2010
Accounts filed up to 28 February 2026

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Lows Orkney Limited (FRN 1018377) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Lows Orkney.
Example: if Lows Orkney refers you to a financial adviser, the advice should come from the principal firm, not from Lows Orkney itself.
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.

Website

lowsorkney.co.uk (opens in a new tab)
Phone number

01856 873151
Address

5 Broad Street, Kirkwall, Orkney, KW15 1DH, United Kingdom

In the full report: 3 background checks

When lowsorkney.co.uk first appeared online, and whether it can receive email
What kind of line 01856 873151 is
Who else gives the postcode KW15 1DH

FCA permissions and consumer protection

Protection through the principal firm
Protection 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, 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: SC372531 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 February 2010 (16 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Real estate agencies (SIC 68310)
Solicitors (SIC 69102)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Duncan Mervin Norman Hill	Director	Jan 1961	8 Feb 2010	2 other companies
Catherine Marie Smith	Director	Jun 1984	1 Mar 2014	2 other companies
Eoin James Thomson	Director	May 1986	1 Mar 2022	None
Jennifer Christine Stevenson	Director	Jun 1986	1 Mar 2024	None

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: 3
closed down: 2
run together: 1

In the full report: all 3 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 1 company these 4 directors run together
All 9 people who have ever been directors, with their dates

Filed accounts and finances

Year to 28 February 2026Full accountsNot audited

Net assets

£921k

−1.4% from £935k

Cash at bank

£618k

−20% from £774k

Owed within a year

£637k

−18% from £773k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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.

Accounts filed at Companies House for company SC372531. 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

Lows Orkney’s history from the FCA register and Companies House, newest first.

Key events (2) All events (16)

2024

16 August 2024

Became an introducer appointed representative

FCA register

2010

8 February 2010

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (2 shown here)
Every director appointment and resignation: 14

Firms connected to Lows Orkney

Other FCA-listed firms that share a director, phone number or address with Lows Orkney. 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 Lows Orkney

Other firms of the same type (financial adviser), nearest first.

In Kirkwall

Finli (Orkney) LimitedKirkwallAppointed representative

In the Kirkwall (KW) postcode area

Gary Youngson Wealth Management LimitedThursoAppointed representative

Elsewhere in the UK

SIX Financial Information UK LimitedLondonAppointed representative Magellan Investment Partners (UK) LimitedLondonAppointed representative NcvoAppointed representative Moonfare UK LimitedLondonAppointed representative

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 Lows Orkney

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
7 years of accounts, charted
All 16 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Lows Orkney Limited FCA authorised?

Lows Orkney Limited (FRN 1018377) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Lows Orkney?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Lows Orkney Limited (FRN 1018377) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Lows Orkney. Example: if Lows Orkney refers you to a financial adviser, the advice should come from the principal firm, not from Lows Orkney itself. 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 Lows Orkney’s phone number and website?

The FCA register lists the phone number 01856 873151 and the website lowsorkney.co.uk for Lows Orkney. If you were given different contact details, use these to check with the firm before going any further.

Is Lows Orkney a scam or clone?

Lows Orkney 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 Lows Orkney?

Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Lows Orkney's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who runs Lows Orkney?

Companies House lists 4 directors of Lows Orkney: Duncan Mervin Norman Hill, Catherine Marie Smith, Eoin James Thomson and Jennifer Christine Stevenson.

How long has Lows Orkney been in business?

The company was formed on 8 February 2010.

What do Lows Orkney’s latest accounts show?

Its latest accounts, to 28 February 2026, show net assets of £921k (−1.4% from £935k) and cash at bank of £618k (−20% from £774k).