Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 1977
- Accounts filed up to 31 December 2025
Responsible principal firm
Cycle Solutions (Cycle to Work) Limited Reference number: 722968 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- WALKER'S SHORTBREAD LTD (FRN 1002501) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not WALKER'S SHORTBREAD.
- Example: if WALKER'S SHORTBREAD refers you to a financial adviser, the advice should come from the principal firm, not from WALKER'S SHORTBREAD itself.
- 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.
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No website on the FCA register
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Phone number
-
Address
Aberlour House, Aberlour, Moray, AB38 9LD, United Kingdom
In the full report: 2 background checks
- What kind of line 01340 871555 is
- Who else gives the postcode AB38 9LD
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Cycle Solutions (Cycle to Work) 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, freeYou 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
- SC063233 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 October 1977 (49 years old)
- Registered office
- Aberlour House, Aberlour-On-Spey, Banffshire, AB38 9LD
- Nature of business
-
- Manufacture of rusks and biscuits; manufacture of preserved pastry goods and cakes (SIC 10720)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Richard John Walker | Director | Jun 1972 | 1 Dec 2007 | None |
| Joseph Nicol Walker | Director | Sep 1962 | 1 Dec 2007 | None |
| Jacqueline Barbara Walker | Director | Jun 1981 | 1 Jan 2011 | None |
| Stephen Lawrence Mccarney | Director | May 1961 | 1 Mar 2019 | 3 other companies |
| Norman Ross | Director | Aug 1974 | 24 May 2021 | 1 other company |
| Bryony Helen Walker | Director | Oct 1984 | 22 May 2025 | None |
| Justin Paul David Stead | Director | Jul 1967 | 20 Oct 2025 | 23 other companies |
| Norman Ross | Secretary | Not published | 25 May 2023 | – |
Other companies run by these 7 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
- 27
- closed down
- 13
- went insolvent
- 4
In the full report: all 27 companies, named
- What each company does, and whether it is still trading
- Which of these 7 directors sit on each board, and since when
- The 4 that went into liquidation or administration
- All 16 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£196.8m
−2.1% from £201.0m
Profit before tax
£8.76m
−51% from £18.1m
Net assets
£102.7m
−4.8% from £107.9m
Cash at bank
£21.2m
−18% from £25.8m
Turnover and profit
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.
The figures for the year to 31 December 2025 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.
These are group figures: the firm and the companies it owns, combined.
Accounts filed at Companies House for company SC063233. 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
Walker's Shortbread’s history from the FCA register and Companies House, newest first.
2025
22 November 2025
- Maureen May Walker stopped being a part-owner
Companies House
2024
15 December 2024
- James Nicol Walker no longer holds 25–50% of the votes
Companies House
2023
13 September 2023
- Became an introducer appointed representative
FCA register
2021
13 July 2021
- Jennifer Ann Walker stopped being a part-owner
- Kenneth Stuart Fraser stopped being a part-owner
Companies House
2020
7 August 2020
- Joseph Nicol Walker gained significant control
Companies House
6 August 2020
- Joseph Walker no longer has significant control
Companies House
2019
4 April 2019
- Ewan Paton Wallace became a part-owner (25–50% of shares)
Companies House
2018
11 October 2018
- James David Walker stopped being a part-owner
- Peter Lewis Simpson stopped being a part-owner
Companies House
13 September 2018
- James David Walker became a part-owner (25–50% of shares)
- Marjorie Henderson Walker no longer has significant control
- Peter Lewis Simpson became a part-owner (25–50% of shares)
Companies House
2017
31 May 2017
- Kenneth Stuart Fraser became a part-owner (25–50% of shares)
- Maureen May Walker became a part-owner (25–50% of shares)
Companies House
2016
20 September 2016
- Jennifer Ann Walker became a part-owner (25–50% of shares)
Companies House
6 April 2016
- James Nicol Walker gained 25–50% of the votes
- Joseph Walker gained significant control
- Marjorie Henderson Walker gained significant control
Companies House
1977
6 October 1977
- Incorporated at Companies House
Companies House
In the full report: all 42 events
- All 42 events in its history (20 shown here)
- Every director appointment and resignation: 22
Get the full report on Walker's Shortbread
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 27 other companies its directors have run, named
- 2 background checks on its contact details
- All 42 events in its history
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk