Thorburn Funeral Directors Ltd

Reference number: 983646

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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.
  • Thorburn Funeral Directors Ltd (FRN 983646) is an AR of Golden Charter Limited (FRN 965279). When you use Thorburn Funeral Directors's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Thorburn Funeral Directors, 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

    01387 810263

  • Address

    26 High Street, Annan, Dumfriesshire, DG12 6AJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01387 810263 is
  • Who else gives the postcode DG12 6AJ
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Other names (3)

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

  • H. K. Thorburn & Son Trading name
  • Thorburn & Son Trading name
  • Mr. KK. Bell & Mr RH Thorburn Former 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
SC723680
Company status
Active
Company type
Private limited company
Incorporated
18 February 2022 (4 years old)
Registered office
26 High Street, Annan, Dumfriesshire, DG12 6AJ, Scotland
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Kenneth Kennedy Bell Director Aug 1958 18 Feb 2022 2 other companies
Steven Bell Director Oct 1983 1 Apr 2024 None

Other companies run by these 2 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
2
still active
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 28 February 2026Full accountsNot audited

Net assets

£84.5k

+26% from £67.3k

Cash at bank

£97.6k

+73% from £56.3k

Owed within a year

£33.5k

−28% from £46.5k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 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 SC723680. 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

Thorburn Funeral Directors’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2025

1 November 2025

  • Steven Bell became a part-owner (25–50% of shares)

Companies House

2024

26 January 2024

  • Changed its registered name from "Mr. KK. Bell & Mr RH Thorburn"

FCA register

2022

19 September 2022

  • Became an appointed representative

FCA register

18 February 2022

  • Incorporated at Companies House
  • Kenneth Kennedy Bell became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Thorburn Funeral Directors

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

In Annan

Andrea Michaela HodgsonAnnanAppointed representative

In the Dumfries (DG) postcode area

Doidge Miller LimitedDalbeattieAppointed representativeFrazer Hare LimitedStranraerAppointed representativeH L Hanson & A R HigginsDumfriesAppointed representativeIan Bendall and Kimberley HiddlestonCastle DouglasAppointed representativeJardine Funeral Directors LimitedDumfriesAppointed 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 Thorburn Funeral Directors

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Thorburn Funeral Directors Ltd FCA authorised?
Thorburn Funeral Directors Ltd (FRN 983646) 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 Thorburn Funeral Directors?
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. Thorburn Funeral Directors Ltd (FRN 983646) is an AR of Golden Charter Limited (FRN 965279). When you use Thorburn Funeral Directors's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thorburn Funeral Directors, 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 Thorburn Funeral Directors’ phone number?
The FCA register lists the phone number 01387 810263 for Thorburn Funeral Directors. If you were given different contact details, use these to check with the firm before going any further.
Is Thorburn Funeral Directors a scam or clone?
Thorburn Funeral Directors 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 Thorburn Funeral Directors?
Protection works through Golden Charter Limited, the principal firm responsible for Thorburn Funeral Directors's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Thorburn Funeral Directors?
Companies House lists 2 people with significant control of Thorburn Funeral Directors: Mr Steven Bell (25–50% of shares) and Mr Kenneth Kennedy Bell (25–50% of shares).
Who runs Thorburn Funeral Directors?
Companies House lists 2 directors of Thorburn Funeral Directors: Kenneth Kennedy Bell and Steven Bell.
How long has Thorburn Funeral Directors been in business?
The company was formed on 18 February 2022.
What do Thorburn Funeral Directors’ latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £84.5k (+26% from £67.3k) and cash at bank of £97.6k (+73% from £56.3k).
Does Thorburn Funeral Directors use any other names?
It trades as H. K. Thorburn & Son and Thorburn & Son. It has previously used the name Mr. KK. Bell & Mr RH Thorburn.

Sources and links

The full report on Thorburn Funeral Directors Ltd

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