West Highland Chamber of Commerce

Reference number: 1007074

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

WESTFIELD CONTRIBUTORY HEALTH SCHEME LIMITED Reference number: 202609 Authorised 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.
  • West Highland Chamber of Commerce (FRN 1007074) introduces customers to WESTFIELD CONTRIBUTORY HEALTH SCHEME LIMITED (FRN 202609). Any regulated advice or arranging is done by the principal, not West Highland Chamber of Commerce.
  • Example: if West Highland Chamber of Commerce refers you to a financial adviser, the advice should come from the principal firm, not from West Highland Chamber of Commerce 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When westhighlandchamber.co.uk first appeared online, and whether it can receive email
  • What kind of line 01397 705765 is
  • Who else gives the postcode PH33 6FF
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Other names (1)

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

  • Lochaber Chamber of Commerce Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Westfield Contributory Health Scheme 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
SC469407
Company status
Active
Company type
Private company limited by guarantee
Incorporated
7 February 2014 (12 years old)
Registered office
Waterfront Lodge Carmichael Way, Marine Walk, An Aird, Fort William, Inverness-Shire, PH33 6FF, Scotland
Nature of business
  • Activities of other membership organisations not elsewhere classified (SIC 94990)

Directors and company secretaries

Name Role Born Appointed Other companies
Bruno Leo Nello Berardelli Director Mar 1977 11 Aug 2014 50 other companies
Stephen John Ham Director Jan 1965 28 Jun 2018 7 other companies
Scott Hardie Donald Director Jul 1965 28 Feb 2019 3 other companies
Liz Graham Director Jun 1964 17 Feb 2022 None
John Andrew Jarvis-Jones Director Oct 1964 2 Mar 2023 1 other company
Javier Evora Navarro Director Oct 1994 26 Mar 2024 1 other company
Alistair Smith Director Feb 1982 8 Apr 2026 None
Christina Mcneil Director Jun 1975 15 Apr 2026 None
Matthew Wayne Jackson Director Sep 1975 15 Apr 2026 2 other companies
Donald Maclean Director Dec 1961 16 Apr 2026 2 other companies
Benjamin Oliver Oakes Director Jul 1991 16 Apr 2026 None
Ruaridh Macdonald Director Jun 1975 29 Apr 2026 None

Other companies run by these 12 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
66
closed down
22
still active
44

In the full report: all 66 companies, named

  • What each company does, and whether it is still trading
  • Which of these 12 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 43 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

£78.1k

−29% from £111k

Cash at bank

£84.0k

−39% from £139k

Employees (average)

13

Same as 13

Owed within a year

£95.4k

−10% from £106k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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 SC469407. 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

West Highland Chamber of Commerce’s history from the FCA register and Companies House, newest first.

Key events (3) All events (79)

2025

27 March 2025

  • Changed its registered name from "Lochaber Chamber of Commerce"

FCA register

2024

6 January 2024

  • Became an introducer appointed representative

FCA register

2014

7 February 2014

  • Incorporated at Companies House

Companies House

In the full report: all 79 events

  • All 79 events in its history (3 shown here)
  • Every director appointment and resignation: 76
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Firms like West Highland Chamber of Commerce

Other firms of the same type (insurance broker), nearest first.

In the Perth (PH) postcode area

BQI Protection LtdPerthAppointed representativeHarper Stairmand LimitedPerthAppointed representativeLifemortgage UK LtdCrieffAppointed representativeM E Hebbourn, K E Neill & M A J RobbPerthAppointed representativeNicola WoodAviemoreAppointed representativeBlairgowrie Vets LimitedBlairgowrieAppointed 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 West Highland Chamber of Commerce

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

  • 66 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 5 years of accounts, charted
  • All 79 events in its history

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Frequently asked questions about this firm

Is West Highland Chamber of Commerce FCA authorised?
West Highland Chamber of Commerce (FRN 1007074) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for West Highland Chamber of Commerce?
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. West Highland Chamber of Commerce (FRN 1007074) introduces customers to WESTFIELD CONTRIBUTORY HEALTH SCHEME LIMITED (FRN 202609). Any regulated advice or arranging is done by the principal, not West Highland Chamber of Commerce. Example: if West Highland Chamber of Commerce refers you to a financial adviser, the advice should come from the principal firm, not from West Highland Chamber of Commerce 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.
What is West Highland Chamber of Commerce’s phone number and website?
The FCA register lists the phone number 01397 705765 and the website westhighlandchamber.co.uk for West Highland Chamber of Commerce. If you were given different contact details, use these to check with the firm before going any further.
Is West Highland Chamber of Commerce a scam or clone?
West Highland Chamber of Commerce 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 West Highland Chamber of Commerce?
Protection works through Westfield Contributory Health Scheme Limited, the principal firm responsible for West Highland Chamber of Commerce's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who runs West Highland Chamber of Commerce?
Companies House lists 12 directors of West Highland Chamber of Commerce: Bruno Leo Nello Berardelli, Stephen John Ham, Scott Hardie Donald, Liz Graham, John Andrew Jarvis-Jones, Javier Evora Navarro and 6 more.
How long has West Highland Chamber of Commerce been in business?
The company was formed on 7 February 2014.
What do West Highland Chamber of Commerce’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £78.1k (−29% from £111k) and cash at bank of £84.0k (−39% from £139k).
Does West Highland Chamber of Commerce use any other names?
It has previously used the name Lochaber Chamber of Commerce.

Sources and links

The full report on West Highland Chamber of Commerce

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