Ross Funerals Ltd

Reference number: 813657

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.

Responsible principal firm

Golden Charter Limited Reference number: 965279 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.
  • ROSS FUNERALS LTD (FRN 813657) is an AR of Golden Charter Limited (FRN 965279). When you use ROSS FUNERALS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ROSS FUNERALS, 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 tomrossandsons.co.uk first appeared online, and whether it can receive email
  • What kind of line 01309 673435 is
  • Who else gives the postcode IV12 4AU
Instant PDF download
Other names (2)

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

  • David M Ellen Funeral Directors Trading name
  • Tom Ross & Sons Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Golden Charter 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
SC414449
Company status
Active
Company type
Private limited company
Incorporated
13 January 2012 (14 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Callum Alexander Ross Director Jan 1990 13 Jan 2012 None
Iris Ross Director May 1939 13 Jan 2012 None
Pearl Anne Smart Director Jun 1960 13 Jan 2012 1 other company

Other companies run by these 3 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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 January 2020Micro-entity accountsNot audited

Net assets

£388k

No earlier figure to compare

Employees (average)

10

No earlier figure to compare

Owed within a year

£314k

No earlier figure to compare

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 SC414449. 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

Ross Funerals’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2026

1 October 2026

  • Thomas Alexander Ross became a part-owner (25–50% of shares)

Companies House

30 September 2026

  • Thomas Alexander Ross stopped being a part-owner

Companies House

2018

11 July 2018

  • Became an appointed representative

FCA register

2016

6 April 2016

  • Iris Ross became a part-owner (25–50% of shares)
  • Thomas Alexander Ross became a part-owner (25–50% of shares)

Companies House

2012

13 January 2012

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 5
Instant PDF download

Firms like Ross Funerals

Other firms of the same type (funeral director), nearest first.

In the Inverness (IV) postcode area

D Chisholm & Sons LtdInvernessAppointed representativeF Macleod Funeral Directors LimitedIsle of SkyeAppointed representativeGraham J. Rattray Funeral Directors LtdLossiemouthAppointed representativeLossiemouth Funeral Services LtdElginAppointed representativeMairi Urquhart & Son Funeral Group LtdAlnessAppointed representativeVictoria Elizabeth FraserInvernessAppointed 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 Ross Funerals

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • All 13 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Ross Funerals Ltd FCA authorised?
Ross Funerals Ltd (FRN 813657) 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 Ross Funerals?
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. Ross Funerals Ltd (FRN 813657) is an AR of Golden Charter Limited (FRN 965279). When you use Ross Funerals's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ross Funerals, 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 Ross Funerals’ phone number and website?
The FCA register lists the phone number 01309 673435 and the website tomrossandsons.co.uk for Ross Funerals. If you were given different contact details, use these to check with the firm before going any further.
Is Ross Funerals a scam or clone?
Ross Funerals 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 Ross Funerals?
Protection works through Golden Charter Limited, the principal firm responsible for Ross Funerals's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ross Funerals?
Companies House lists 2 people with significant control of Ross Funerals: Mr Thomas Alexander Ross (25–50% of shares) and Mrs Iris Ross (25–50% of shares).
Who runs Ross Funerals?
Companies House lists 3 directors of Ross Funerals: Callum Alexander Ross, Iris Ross and Pearl Anne Smart.
How long has Ross Funerals been in business?
The company was formed on 13 January 2012.
What do Ross Funerals’ latest accounts show?
Its latest accounts, to 31 January 2020, show net assets of £388k (no earlier figure to compare).
Does Ross Funerals use any other names?
It trades as David M Ellen Funeral Directors and Tom Ross & Sons.

Sources and links

The full report on Ross Funerals Ltd

£19.99 · Instant PDF download

Loading secure checkout…