S & D Harper Limited

Reference number: 687416

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 sdharper.co.uk first appeared online, and whether it can receive email
  • What kind of line 01343 547522 is
  • Who else gives the postcode IV30 6YQ
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The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
SC080635
Company status
Active
Company type
Private limited company
Incorporated
29 October 1982 (43 years old)
Registered office
S&D Harper Ltd, Edgar Road, Elgin, IV30 6YQ, Scotland
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Douglas Harper Director Apr 1965 25 Oct 1995 2 other companies
Stuart Harper Director Dec 1972 25 Oct 1995 4 other companies
Donna Margaret Harper Director Sep 1972 1 Feb 2018 5 other companies
Aileen Harper Director Dec 1970 1 Feb 2018 2 other companies
Dorothy Harper Director Jul 1937 Not published None
Stuart Harper Secretary Not published 16 Aug 2006 4 other companies

Other companies run by these 5 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
7
still active
7
run together
4

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 companies these 5 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£1.27m

−14% from £1.48m

Cash at bank

£1,767

Same as £1,767

Employees (average)

18

+5.9% from 17

Owed within a year

£952k

−15% from £1.12m

Net assets

In the full report: all 7 years of accounts

  • Every year from 2019 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 SC080635. 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

S & D Harper’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2016

6 April 2016

  • Douglas Harper became a part-owner (25–50% of shares)
  • Stuart Harper became a part-owner (25–50% of shares)

Companies House

2015

8 June 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not for profit firm)
  • Became authorised by the FCA

FCA register

1982

29 October 1982

  • 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
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Firms like S & D Harper

Other firms of the same type (credit broker), nearest first.

In Elgin

Alan ReidElginAuthorisedMuhammad Ammar SaeedElginAuthorisedThomas AdamsonElginAppointed representativeMark Garrick Ltd.ElginAuthorisedPinefield Glass LimitedElginAuthorisedF1l Services LtdElginAppointed 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 S & D Harper

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is S & D Harper Limited FCA authorised?
Yes, S & D Harper Limited (FRN 687416) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is S & D Harper’s phone number and website?
The FCA register lists the phone number 01343 547522 and the website sdharper.co.uk for S & D Harper. If you were given different contact details, use these to check with the firm before going any further.
Is S & D Harper a scam or clone?
S & D Harper 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 S & D Harper?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how S & D Harper handles your money, so check the specific product before you commit. You can also refer complaints about S & D Harper to the Financial Ombudsman Service, free of charge.
Who owns S & D Harper?
Companies House lists 2 people with significant control of S & D Harper: Douglas Harper (25–50% of shares) and Mr Stuart Harper (25–50% of shares).
Who runs S & D Harper?
Companies House lists 5 directors of S & D Harper: Douglas Harper, Stuart Harper, Donna Margaret Harper, Aileen Harper and Dorothy Harper.
How long has S & D Harper been in business?
The company was formed on 29 October 1982, and has held its current FCA authorisation since June 2015.
What do S & D Harper’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.27m (−14% from £1.48m) and cash at bank of £1,767 (same as £1,767).

Sources and links

The full report on S & D Harper Limited

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