---
title: "TOM MUNRO FINANCIAL SOLUTIONS LIMITED — Ownership Dossier"
canonical: https://whiteintel.dev/entity/ec20892d-5add-51ca-b686-6b229d3f8dee
json: https://whiteintel.dev/api/public/dossier/ec20892d-5add-51ca-b686-6b229d3f8dee
identifier: oo:GB-COH-SC280591
jurisdiction: GB
risk: Low
source: WhiteIntel corporate-ownership graph
---

# TOM MUNRO FINANCIAL SOLUTIONS LIMITED

**Type:** Company  
**Jurisdiction:** [GB](https://whiteintel.dev/jurisdictions/gb)  
**Identifier:** `oo:GB-COH-SC280591`  
**Risk level:** Low  
**Canonical dossier:** https://whiteintel.dev/entity/ec20892d-5add-51ca-b686-6b229d3f8dee  
**Structured JSON / MCP:** https://whiteintel.dev/api/public/dossier/ec20892d-5add-51ca-b686-6b229d3f8dee  

## Ownership & control

### Owners / controllers

- **Mr Thomas Munro** (beneficial owner) — 75% — https://whiteintel.dev/entity/2dfde324-1dbb-56c0-aa48-3d9272dc21a8
- **Mrs Lorraine Ross Munro** (beneficial owner) — 50% — https://whiteintel.dev/entity/40057bd6-84e9-5067-8ab2-27ddbb0cb625
- **Mr Thomas Munro** (beneficial owner) — 62.5% — https://whiteintel.dev/entity/fb57a493-c4c1-4550-a32e-ec9de820c0ee
- **Mrs Lorraine Ross Munro** (beneficial owner) — 37.5% — https://whiteintel.dev/entity/4edaa1af-c586-429d-95aa-20322f4b864e
- **MCHARDY GROUP LIMITED** (beneficial owner) — 87.5% — https://whiteintel.dev/entity/8ec8de4d-e695-57da-98be-b197aa58cdd0

### UBO chain (walk to the ultimate owner)

A **25-step** ownership/control chain to the ultimate beneficial owner is resolved for this entity. The full cited chain unlocks with a paid API key or a one-off dossier — https://whiteintel.dev/pricing.

## Company profile (live · UK Companies House)

- **Company number:** `SC280591`
- **Status:** dissolved
- **Type:** ltd
- **Incorporated:** 2005-02-23
- **Registered office:** 13 Bon Accord Crescent, Aberdeen, AB11 6DE, Scotland
- **SIC:** 66190

### Officers

- KERR, Andrew James — director · British · appointed 2022-08-08
- MUNRO, Thomas — secretary · British · appointed 2005-02-23 · resigned 2022-08-08
- OSWALDS OF EDINBURGH LIMITED — corporate nominee secretary · appointed 2005-02-23 · resigned 2005-02-23
- FLETCHER, Richard Andrew — director · British · appointed 2022-08-08 · resigned 2023-07-31
- MUNRO, Lorraine Ross — director · British · appointed 2005-02-23 · resigned 2022-08-08
- MUNRO, Thomas — director · British · appointed 2005-02-23 · resigned 2022-08-08

### Beneficial owners (Persons with Significant Control)

- [Mchardy Group Limited](https://whiteintel.dev/entity/8ec8de4d-e695-57da-98be-b197aa58cdd0) — 75–100% shares · corporate PSC · Scotland — since 2022-08-08
- Mr Thomas Munro — 50–75% shares · individual PSC · Scotland — ceased 2022-08-08
- Mrs Lorraine Ross Munro — 25–50% shares · individual PSC — ceased 2022-08-08

## Provenance

- OpenOwnership — https://find-and-update.company-information.service.gov.uk/company/SC280591

---

_This is the markdown-for-agents view of the WhiteIntel dossier for **TOM MUNRO FINANCIAL SOLUTIONS LIMITED**. Human view: https://whiteintel.dev/entity/ec20892d-5add-51ca-b686-6b229d3f8dee · Structured JSON: https://whiteintel.dev/api/public/dossier/ec20892d-5add-51ca-b686-6b229d3f8dee._

_Risk levels are heuristic investigative leads, not legal determinations of beneficial ownership. Every claim carries a source; an absent edge means "not yet observed in current sources", not "does not exist"._