Taylor Carmichael Financial Services Limited

Reference number: 523153

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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

Sesame Limited Reference number: 150427 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.
  • Taylor Carmichael Financial Services Limited (FRN 523153) is an AR of Sesame Limited (FRN 150427). When you use Taylor Carmichael Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Taylor Carmichael Financial Services, 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.

  • No website on the FCA register

  • Phone number

    0141 370 2229

  • Address

    Kirklands, Main Road, Cardross, Argyll & Bute, G82 5JX, United Kingdom

In the full report: 2 background checks

  • What kind of line 0141 370 2229 is
  • Who else gives the postcode G82 5JX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
SC370512
Company status
Active
Company type
Private limited company
Incorporated
23 December 2009 (16 years old)
Registered office
6th Floor Gordon Chambers, 90 Mitchell Street, Glasgow, G1 3NQ
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
David Archibald Carmichael Director Sep 1969 29 Jan 2010 None
Susan Ross Taylor Director Jan 1975 29 Jan 2010 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 April 2026Full accountsNot audited

Net assets

£48.7k

+5.8% from £46.1k

Cash at bank

£53.3k

+7.1% from £49.7k

Owed within a year

£38.9k

+24% from £31.4k

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
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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.

Accounts filed at Companies House for company SC370512. 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

Taylor Carmichael Financial Services’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

6 April 2016

  • David Archibald Carmichael became a part-owner (25–50% of shares)
  • Susan Ross Taylor became a part-owner (25–50% of shares)

Companies House

2010

28 April 2010

  • Became an appointed representative

FCA register

2009

23 December 2009

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms like Taylor Carmichael Financial Services

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Glasgow (G) postcode area

Acumen Financial Services LtdGlasgowAppointed representativeAthena Mortgages LtdGlasgowAppointed representativeBera Financial Services LimitedGlasgowAppointed representativeBlossom Mortgage Services LtdGlasgowAppointed representativeBlue Fish Mortgage Solutions LimitedGlasgowAppointed representativeCleanSlate Financial LimitedAppointed 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 Taylor Carmichael Financial Services

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Taylor Carmichael Financial Services Limited FCA authorised?
Taylor Carmichael Financial Services Limited (FRN 523153) 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 Taylor Carmichael Financial Services?
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. Taylor Carmichael Financial Services Limited (FRN 523153) is an AR of Sesame Limited (FRN 150427). When you use Taylor Carmichael Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Taylor Carmichael Financial Services, 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 Taylor Carmichael Financial Services’ phone number?
The FCA register lists the phone number 0141 370 2229 for Taylor Carmichael Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Taylor Carmichael Financial Services a scam or clone?
Taylor Carmichael Financial Services 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 Taylor Carmichael Financial Services?
Protection works through Sesame Limited, the principal firm responsible for Taylor Carmichael Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Taylor Carmichael Financial Services?
Companies House lists 2 people with significant control of Taylor Carmichael Financial Services: Mr David Archibald Carmichael (25–50% of shares) and Ms Susan Ross Taylor (25–50% of shares).
Who runs Taylor Carmichael Financial Services?
Companies House lists 2 directors of Taylor Carmichael Financial Services: David Archibald Carmichael and Susan Ross Taylor.
How long has Taylor Carmichael Financial Services been in business?
The company was formed on 23 December 2009.
What do Taylor Carmichael Financial Services’ latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £48.7k (+5.8% from £46.1k) and cash at bank of £53.3k (+7.1% from £49.7k).

Sources and links

The full report on Taylor Carmichael Financial Services Limited

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