Thomas Brown & Sons Ltd

Reference number: 981017

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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

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.
  • THOMAS BROWN & SONS LTD (FRN 981017) is an AR of Golden Charter Limited (FRN 965279). When you use THOMAS BROWN & SONS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from THOMAS BROWN & SONS, 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

    01896 822632

  • Address

    St. Dunstans House, High Street, Melrose, TD6 9RU, United Kingdom

In the full report: 2 background checks

  • What kind of line 01896 822632 is
  • Who else gives the postcode TD6 9RU
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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
SC434868
Company status
Active
Company type
Private limited company
Incorporated
16 October 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
Jacqueline Anne Brown Director Oct 1971 16 Oct 2012 None
Robert Rutherford Brown Director May 1968 16 Oct 2012 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£160k

−15% from £190k

Cash at bank

£115k

<1% from £116k

Employees (average)

11

Same as 11

Owed within a year

£193k

+42% from £136k

Assets and liabilities

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 SC434868. 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

Thomas Brown & Sons’s history from the FCA register and Companies House, newest first.

2022

16 August 2022

  • Became an appointed representative

FCA register

2016

6 April 2016

  • Jacqueline Anne Brown became a part-owner (25–50% of shares)
  • Robert Rutherford Brown became a part-owner (25–50% of shares)

Companies House

2012

16 October 2012

  • Incorporated at Companies House
  • Jacqueline Anne Brown appointed as a director
  • Robert Rutherford Brown appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Thomas Brown & Sons

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

In the Galashiels (TD) postcode area

A & A Doyle LimitedGalashielsAppointed representativeA&j Robson LimitedHawickAppointed representativeDavid Martin Funeral Directors LtdEyemouthAppointed representativeKyle Bros. Funeral Directors LimitedKelsoAppointed representativeMr C M Mace, Mrs J Mace & Mr G MaceBerwick-Upon-TweedAppointed representativeZoe Joanne TurnbullJedburghAppointed 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 Thomas Brown & Sons

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 6 events in its history

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Frequently asked questions about this firm

Is Thomas Brown & Sons Ltd FCA authorised?
Thomas Brown & Sons Ltd (FRN 981017) 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 Thomas Brown & Sons?
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. Thomas Brown & Sons Ltd (FRN 981017) is an AR of Golden Charter Limited (FRN 965279). When you use Thomas Brown & Sons's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thomas Brown & Sons, 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 Thomas Brown & Sons’ phone number?
The FCA register lists the phone number 01896 822632 for Thomas Brown & Sons. If you were given different contact details, use these to check with the firm before going any further.
Is Thomas Brown & Sons a scam or clone?
Thomas Brown & Sons 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 Thomas Brown & Sons?
Protection works through Golden Charter Limited, the principal firm responsible for Thomas Brown & Sons's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Thomas Brown & Sons?
Companies House lists 2 people with significant control of Thomas Brown & Sons: Mr Robert Rutherford Brown (25–50% of shares) and Mrs Jacqueline Anne Brown (25–50% of shares).
Who runs Thomas Brown & Sons?
Companies House lists 2 directors of Thomas Brown & Sons: Jacqueline Anne Brown and Robert Rutherford Brown.
How long has Thomas Brown & Sons been in business?
The company was formed on 16 October 2012.
What do Thomas Brown & Sons’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £160k (−15% from £190k) and cash at bank of £115k (<1% from £116k).

Sources and links

The full report on Thomas Brown & Sons Ltd

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