Affordable Car Centre Ltd

Reference number: 921167

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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

  • When affordablecarcentre.co.uk first appeared online, and whether it can receive email
  • What kind of line 07852 721554 is
  • Who else gives the postcode MK44 3LH
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FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
12288793
Company status
Active
Company type
Private limited company
Incorporated
29 October 2019 (6 years old)
Registered office
Suite 143 Loyes House 20 St. Loyes Street, Bedford, Bedfordshire, MK40 1ZL, United Kingdom
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Muhammad Kamal Director Jan 1998 29 Oct 2019 1 other company

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

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

Year to 31 October 2025Abridged accountsNot audited

Net assets

£95.3k

+9.9% from £86.7k

Cash at bank

£4,049

−88% from £34.9k

Employees (average)

6

−14% from 7

Owed within a year

£21.5k

−68% from £67.6k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 12288793. 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

Affordable Car Centre’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2020

22 February 2020

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2019

29 October 2019

  • Incorporated at Companies House
  • Muhammad Kamal took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Affordable Car Centre

Other firms of the same type (car dealer), nearest first.

In Bedford

A6 Motors LimitedBedfordAuthorisedAbbas Car Sales LimitedBedfordAuthorisedAddison Cars LtdBedfordAuthorisedAjd Car Sales LimitedBedfordAuthorisedAllon White Sports Cars LtdBedfordAuthorisedAr Used Cars LtdBedfordAuthorised

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 Affordable Car Centre

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Affordable Car Centre Ltd FCA authorised?
Yes, Affordable Car Centre Ltd (FRN 921167) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2020 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Affordable Car Centre’s phone number and website?
The FCA register lists the phone number 07852 721554 and the website affordablecarcentre.co.uk for Affordable Car Centre. If you were given different contact details, use these to check with the firm before going any further.
Is Affordable Car Centre a scam or clone?
Affordable Car Centre 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 Affordable Car Centre?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Affordable Car Centre handles your money, so check the specific product before you commit. You can also refer complaints about Affordable Car Centre to the Financial Ombudsman Service, free of charge.
Who owns Affordable Car Centre?
Companies House lists one person with significant control of Affordable Car Centre: Mr Muhammad Kamal (75–100% of shares).
Who runs Affordable Car Centre?
Companies House lists one director of Affordable Car Centre: Muhammad Kamal.
How long has Affordable Car Centre been in business?
The company was formed on 29 October 2019, and has held its current FCA authorisation since February 2020.
What do Affordable Car Centre’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £95.3k (+9.9% from £86.7k) and cash at bank of £4,049 (−88% from £34.9k).

Sources and links

The full report on Affordable Car Centre Ltd

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