Nutshell Money Limited
Reference number: 968267
Instant download
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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 May 2025
- On its latest accounts it owed £23.8k more than it owned
Responsible principal firm
White Rose Finance Group Limited Reference number: 630772 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.
- Nutshell Money Limited (FRN 968267) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Nutshell Money's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Nutshell Money, 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.
-
Phone number
-
Address
7-9 Arthur Street, Ayr, KA7 1QJ, Scotland
In the full report: 3 background checks
- When nutshellmoney.com first appeared online, and whether it can receive email
- What kind of line 07813 580993 is
- Who else gives the postcode KA7 1QJ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through White Rose Finance Group 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
- SC661377 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 May 2020 (6 years old)
- Registered office
- 7-9 Arthur Street, Ayr, KA7 1QJ, Scotland
- Nature of business
-
- Activities of financial services holding companies (SIC 64205)
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Graeme David Paton | Director | Nov 1965 | 15 May 2020 | 11 other companies |
| Graeme Paton | Secretary | Not published | 15 May 2020 | – |
Other companies run by its director
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
- 11
- closed down
- 3
- went insolvent
- 3
In the full report: all 11 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The 3 that went into liquidation or administration
Filed accounts and finances
Net assets
−£23.8k
Down £3,136 from −£20.6k
Employees (average)
0
Same as 0
Owed within a year
£25.1k
+13% from £22.3k
Net assets are negative: on its last balance sheet the company owed £23.8k more than it owned.
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company SC661377. 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
Nutshell Money’s history from the FCA register and Companies House, newest first.
2022
21 January 2022
- Became an appointed representative
- Began trading as "Nutshell Money"
FCA register
2020
15 May 2020
- Incorporated at Companies House
- Graeme David Paton took control (75–100% of shares)
- Graeme David Paton appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Nutshell Money
Other firms of the same type (mortgage adviser or broker), nearest first.
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 Nutshell Money
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 11 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 5 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Nutshell Money Limited FCA authorised?
What does appointed representative mean for Nutshell Money?
What is Nutshell Money’s phone number and website?
Is Nutshell Money a scam or clone?
Is my money safe with Nutshell Money?
Who owns Nutshell Money?
Who runs Nutshell Money?
How long has Nutshell Money been in business?
What do Nutshell Money’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