Veritas Property Finance Limited

Reference number: 842016

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No longer an appointed representative

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Registration ended 14 May 2019.

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.

  • Last known website

    veritaspf.com

  • Last known phone number

    0131 644 3132

  • Last known address

    15 Queen Street, EH2 1JE, United Kingdom

In the full report: 3 background checks

  • When veritaspf.com first appeared online, and whether it can receive email
  • What kind of line 0131 644 3132 is
  • Who else gives the postcode EH2 1JE
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Past FCA permissions and consumer protection

  • The record is closed
    Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company status
Active
Company type
Private limited company
Incorporated
9 April 2018 (8 years old)
Registered office
11 Guardwell Crescent, Edinburgh, EH17 7JA, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Scott Cowan Director Apr 1968 9 Apr 2018 5 other companies
Andrew John Mackenzie Director Aug 1972 5 Nov 2018 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
5
closed down
3
still active
2

In the full report: all 5 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
  • All 4 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

£25.4k

+44% from £17.7k

Cash at bank

£101k

+29% from £78.4k

Employees (average)

0

Same as 0

Owed within a year

£169k

+103% from £82.9k

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 SC593725. 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

Veritas Property Finance’s history from the FCA register and Companies House, newest first.

2019

14 May 2019

  • Stopped being an appointed representative

FCA register

31 March 2019

  • Jal Scotland Limited became a part-owner (25–50% of shares)

Companies House

2018

1 August 2018

  • Scott Cowan gave up control
  • Williamstone Consulting Ltd became a part-owner (25–50% of shares)

Companies House

9 April 2018

  • Incorporated at Companies House
  • Scott Cowan took control (75–100% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Veritas Property Finance

Other FCA-listed firms that share a director, phone number or address with Veritas Property Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Get the full report on Veritas Property Finance

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Veritas Property Finance Limited FCA authorised?
No. Veritas Property Finance Limited (FRN 842016) is still listed on the FCA register, but the record is closed: no longer an appointed representative.
Is Veritas Property Finance a scam or clone?
Veritas Property Finance is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.
Is my money safe with Veritas Property Finance?
Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with Veritas Property Finance has no cover, because it is no longer permitted to carry it out.
Who owns Veritas Property Finance?
Companies House lists 2 people with significant control of Veritas Property Finance: Jal Scotland Limited (25–50% of shares) and Williamstone Consulting Ltd (25–50% of shares). Before that, it was controlled by Mr Scott Cowan.
Who runs Veritas Property Finance?
Companies House lists 2 directors of Veritas Property Finance: Scott Cowan and Andrew John Mackenzie.
How long has Veritas Property Finance been in business?
The company was formed on 9 April 2018.
What do Veritas Property Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £25.4k (+44% from £17.7k) and cash at bank of £101k (+29% from £78.4k).

Sources and links

The full report on Veritas Property Finance Limited

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