Auto Elite Retail Ltd
Reference number: 972042
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Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £68.3k more than it owned
Responsible principal firm
Forward Asset Finance Limited Reference number: 630723 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Auto Elite Retail Ltd (FRN 972042) is an AR of Forward Asset Finance Limited (FRN 630723). When you use Auto Elite Retail's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Auto Elite Retail, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- 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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Phone number
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Address
Unit 10, Kelburn Business Park, Port Glasgow, Inverclyde, PA14 6TD, United Kingdom
In the full report: 3 background checks
- When auto-elite.co.uk first appeared online, and whether it can receive email
- What kind of line 01475 746177 is
- Who else gives the postcode PA14 6TD
Other names (1)
If you were contacted under any of these names, it is this firm.
- Auto Elite Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Forward Asset Finance 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
- SC639965 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 August 2019 (7 years old)
- Registered office
- 6 Miller Road, Ayr, KA7 2AY, United Kingdom
- Nature of business
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- Sale of used cars and light motor vehicles (SIC 45112)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gregory Mcphail | Director | Feb 1962 | 28 Aug 2019 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
−£68.3k
Down £24.2k from −£44.1k
Cash at bank
£164
Down £24 from £188
Employees (average)
1
Same as 1
Owed within a year
£148k
+45% from £102k
Net assets are negative: on its last balance sheet the company owed £68.3k more than it owned.
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
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 SC639965. 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
Auto Elite Retail’s history from the FCA register and Companies House, newest first.
2022
14 March 2022
- Became an appointed representative
FCA register
2019
28 August 2019
- Incorporated at Companies House
- Greg McPhail took control (75–100% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (3 shown here)
- Every director appointment and resignation: 3
Firms like Auto Elite Retail
Other firms of the same type (car dealer), nearest first.
In Port Glasgow
In the Paisley (PA) postcode area
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 Auto Elite Retail
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 7 events in its history
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Frequently asked questions about this firm
Is Auto Elite Retail Ltd FCA authorised?
What does appointed representative mean for Auto Elite Retail?
What is Auto Elite Retail’s phone number and website?
Is Auto Elite Retail a scam or clone?
Is my money safe with Auto Elite Retail?
Who owns Auto Elite Retail?
Who runs Auto Elite Retail?
How long has Auto Elite Retail been in business?
What do Auto Elite Retail’s latest accounts show?
Does Auto Elite Retail use any other names?
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