Carmoola Limited

Reference number: 958057

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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 carmoola.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3773 3901 is
  • Who else gives the postcode NW1 8HS
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FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (8 permissions)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • 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)
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
12992987
Company status
Active
Company type
Private limited company
Incorporated
3 November 2020 (5 years old)
Registered office
1 Whittlebury Mews West, Primrose Hill, London, NW1 8HS, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Aidan Thomas Rushby Director Oct 1985 3 Nov 2020 9 other companies
Daniel Armstrong Director Oct 1980 14 Feb 2022 5 other companies

Other companies run by these 2 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
9
closed down
1
run together
5

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2022Full accountsAudited

Total equity

−£443k

No earlier figure to compare

Cash at bank

£974k

No earlier figure to compare

Employees (average)

0

Same as 0

Owed within a year

£2.78m

No earlier figure to compare

Total equity is negative: on its last balance sheet the company owed £443k more than it owned.

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.

Accounts filed at Companies House for company 12992987. 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

Carmoola’s history from the FCA register and Companies House, newest first.

Key events (7) All events (14)

2022

10 February 2022

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2021

10 April 2021

  • Carmoola Midco Limited took control (75–100% of shares)

Companies House

2020

3 November 2020

  • Incorporated at Companies House
  • Aidan Thomas Rushby became a part-owner (25–50% of shares)
  • Aidan Thomas Rushby stopped being a part-owner

Companies House

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms like Carmoola

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

In the North West London (NW) postcode area

Royal Veterinary CollegeLondonAuthorisedEvergreen Finance London LimitedLondonAuthorisedAstbury Lodge Financial Services LimitedLondonAuthorisedCreditstar UK LimitedLondonAuthorisedElizabeth CawleyLondonAuthorisedGreen Wheels LLPLondonAuthorised

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 Carmoola

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 14 events in its history

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Frequently asked questions about this firm

Is Carmoola Limited FCA authorised?
Yes, Carmoola Limited (FRN 958057) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2022 and works as a lender. The FCA has placed a limit on what it may do.
What is Carmoola’s phone number and website?
The FCA register lists the phone number 020 3773 3901 and the website carmoola.co.uk for Carmoola. If you were given different contact details, use these to check with the firm before going any further.
Is Carmoola a scam or clone?
Carmoola 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 Carmoola?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Carmoola to the Financial Ombudsman Service, free of charge.
Who owns Carmoola?
Carmoola is owned by Carmoola Midco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 April 2021. Before that, it was controlled by Mr Aidan Thomas Rushby.
Who runs Carmoola?
Companies House lists 2 directors of Carmoola: Aidan Thomas Rushby and Daniel Armstrong.
How long has Carmoola been in business?
The company was formed on 3 November 2020, and has held its current FCA authorisation since February 2022.
What do Carmoola’s latest accounts show?
Its latest accounts, to 30 November 2022, show total equity of −£443k (no earlier figure to compare) and cash at bank of £974k (no earlier figure to compare).

Sources and links

The full report on Carmoola Limited

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