Concept Car Credit Limited

Reference number: 659076

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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 conceptcarcredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 01204 466400 is
  • Who else gives the postcode M26 1GG
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Other names (2)

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

  • Zenom service centre Former trading name
  • Zenon Autos Former 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 (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
05024184
Company status
Active
Company type
Private limited company
Incorporated
23 January 2004 (22 years old)
Registered office
Unit E1 Europa Trading Estate, Stoneclough Road Radcliffe, Manchester, Lancashire, M26 1GG
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Kerry Dawn Malley Director Jun 1980 25 Aug 2004 None
Derek Andrew Porter Director Mar 1957 9 Jan 2006 3 other companies
Susan Porter Director Jun 1957 23 May 2013 None
Kerry Dawn Malley Secretary Not published 18 Oct 2005 None

Other companies run by these 3 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
3
still active
2
went insolvent
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The one on the FCA register
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£85.2k

No earlier figure to compare

Cash at bank

£278k

+200% from £92.6k

Employees (average)

30

+20% from 25

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 05024184. 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

Concept Car Credit’s history from the FCA register and Companies House, newest first.

Key events (5) All events (22)

2022

25 March 2022

  • Kerry Dawn Malley became a part-owner (25–50% of shares)

Companies House

2017

1 March 2017

  • Derek Andrew Porter became a part-owner (25–50% of shares)

Companies House

2015

20 January 2015

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

FCA register

2004

23 January 2004

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (5 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Concept Car Credit

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

connected firms
3
share its postcode
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Concept Car Credit

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

In Manchester

Tesla Motors LimitedManchesterAuthorisedSuperbike Factory LimitedManchesterAuthorised118 Cars LtdManchesterAuthorisedAaa Stars LtdManchesterAuthorisedAlpino cars limitedManchesterAuthorisedAluk Motors LtdManchesterAuthorised

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 Concept Car Credit

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 22 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Concept Car Credit Limited FCA authorised?
Yes, Concept Car Credit Limited (FRN 659076) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2015 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Concept Car Credit’s phone number and website?
The FCA register lists the phone number 01204 466400 and the website conceptcarcredit.co.uk for Concept Car Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Concept Car Credit a scam or clone?
Concept Car Credit 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 Concept Car Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Concept Car Credit handles your money, so check the specific product before you commit. You can also refer complaints about Concept Car Credit to the Financial Ombudsman Service, free of charge.
Who owns Concept Car Credit?
Companies House lists 2 people with significant control of Concept Car Credit: Mrs Kerry Dawn Malley (25–50% of shares) and Mr Derek Andrew Porter (25–50% of shares).
Who runs Concept Car Credit?
Companies House lists 3 directors of Concept Car Credit: Kerry Dawn Malley, Derek Andrew Porter and Susan Porter.
How long has Concept Car Credit been in business?
The company was formed on 23 January 2004, and has held its current FCA authorisation since January 2015.
What do Concept Car Credit’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £85.2k (no earlier figure to compare) and cash at bank of £278k (+200% from £92.6k).
Does Concept Car Credit use any other names?
It has previously used 2 other names: Zenom service centre and Zenon Autos.

Sources and links

The full report on Concept Car Credit Limited

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