Ardent Credit Services Limited

Reference number: 695106

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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 ardentcredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 545 1500 is
  • Who else gives the postcode L33 7XW
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Other names (6)

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

  • Debt & Revenue Services Trading name
  • DRS Trading name
  • www.cp.my-drs.co.uk Trading name
  • www.my-drs.co.uk Trading name
  • www.payardent.co.uk Trading name
  • www.paydrs.co.uk Trading name

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 (2 permissions)
  • Debt-collecting
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
04691960
Company status
Active
Company type
Private limited company
Incorporated
10 March 2003 (23 years old)
Registered office
1st Floor Enterprise House Moorgate Point, Moorgate Road, Knowsley Industrial Park, Merseyside, L33 7XW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Norman Ricketts Director Jul 1961 1 Jun 2017 None
Adam Scott Cohen Director May 1971 19 Apr 2023 None
Howard Alan Enders Director Sep 1971 19 Apr 2023 None
Matthew Mark Phillips Director Jan 1970 19 Apr 2023 1 other company
Nicholas John Cherry Director Jul 1974 19 Apr 2023 3 other companies

Other companies run by these 5 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
4
closed down
1
is FCA-registered
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2022Small company accountsNot audited

Net assets

£4.63m

+43% from £3.24m

Cash at bank

£5.28m

+25% from £4.22m

Employees (average)

84

+2.4% from 82

Owed within a year

£1.32m

+14% from £1.16m

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • 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 04691960. 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

Ardent Credit Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (26)

2023

19 April 2023

  • Julie Murray stopped being a part-owner
  • Phillips & Cohen Associates (UK) Ltd took control (75–100% of shares)
  • Steven Frederick Murray stopped being the majority owner

Companies House

2016

6 April 2016

  • Julie Murray became a part-owner (25–50% of shares)
  • Steven Frederick Murray became the majority owner (50–75% of shares)

Companies House

2015

14 October 2015

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

FCA register

17 June 2015

  • Board replaced: its only director left and a new director took over

Companies House

2003

10 March 2003

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (9 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Ardent Credit Services

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Ardent Credit Services

Other firms of the same type (debt collector), nearest first.

In Liverpool

Regenda LimitedLiverpoolAuthorised

In the Liverpool (L) postcode area

Churchill Recovery Solutions Ltd.PrescotAuthorised

Elsewhere in the UK

Experian Refi Outsource Services LimitedNottinghamAuthorisedBarclays Security Trustee LimitedLondonAuthorisedFunding Circle LtdLondonAuthorisedPaymentsense LimitedLondonAuthorised

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 Ardent Credit Services

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 26 events in its history

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Frequently asked questions about this firm

Is Ardent Credit Services Limited FCA authorised?
Yes, Ardent Credit Services Limited (FRN 695106) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Ardent Credit Services’ phone number and website?
The FCA register lists the phone number 0151 545 1500 and the website ardentcredit.co.uk for Ardent Credit Services. If you were given different contact details, use these to check with the firm before going any further.
Is Ardent Credit Services a scam or clone?
Ardent Credit Services 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 Ardent Credit Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Ardent Credit Services handles your money, so check the specific product before you commit. You can also refer complaints about Ardent Credit Services to the Financial Ombudsman Service, free of charge.
Who owns Ardent Credit Services?
Ardent Credit Services is owned by Phillips & Cohen Associates (UK) Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 19 April 2023. Before that, it was controlled by Mrs Julie Murray and Mr Steven Frederick Murray.
Who runs Ardent Credit Services?
Companies House lists 5 directors of Ardent Credit Services: John Norman Ricketts, Adam Scott Cohen, Howard Alan Enders, Matthew Mark Phillips and Nicholas John Cherry.
How long has Ardent Credit Services been in business?
The company was formed on 10 March 2003, and has held its current FCA authorisation since October 2015.
What do Ardent Credit Services’ latest accounts show?
Its latest accounts, to 30 June 2022, show net assets of £4.63m (+43% from £3.24m) and cash at bank of £5.28m (+25% from £4.22m).
Does Ardent Credit Services use any other names?
It trades as Debt & Revenue Services, DRS, www.cp.my-drs.co.uk, www.my-drs.co.uk and www.payardent.co.uk, and 1 more names.

Sources and links

The full report on Ardent Credit Services Limited

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