Concept Finance Ltd

Reference number: 678769

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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 essexcarcompany.co.uk first appeared online, and whether it can receive email
  • What kind of line 01708 865578 is
  • Who else gives the postcode RM13 9EB
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Other names (1)

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

  • Essex Car Company 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
06240155
Company status
Active
Company type
Private limited company
Incorporated
8 May 2007 (19 years old)
Registered office
Concept Finance Ltd New Road, Wennington, Rainham, Essex, RM13 9EB
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Moira Lillian Newmarch Director Sep 1953 14 Apr 2008 None
David George Newmarch Director Jun 1988 11 Mar 2019 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
5
closed down
5

In the full report: all 5 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
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Total equity

£2.59m

+2.7% from £2.52m

Cash at bank

£582k

−31% from £840k

Employees (average)

13

−7.1% from 14

Owed within a year

£420k

+37% from £306k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 06240155. 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 Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (23)

2023

29 December 2023

  • David George Newmarch became a part-owner (25–50% of shares)
  • Moira Lillian Newmarch became a part-owner (25–50% of shares)
  • Moira Newmarch stopped being the majority owner

Companies House

2017

7 April 2017

  • David George Newmarch stopped being a part-owner

Companies House

2016

6 April 2016

  • David George Newmarch became a part-owner (25–50% of shares)
  • Moira Newmarch became the majority owner (50–75% of shares)

Companies House

2015

5 May 2015

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

FCA register

2007

8 May 2007

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (9 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Concept Finance

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Concept Finance

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

In Rainham

Autotrust LtdRainhamAuthorisedHiltop Motors LimitedRainhamAuthorisedMotorz LtdRainhamAuthorisedQuality Auto Select LtdRainhamAuthorisedRainham Motors (Mot) LimitedRainhamAuthorisedOlivia Motors LimitedRainhamAppointed representative

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 Finance

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 23 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Concept Finance Ltd FCA authorised?
Yes, Concept Finance Ltd (FRN 678769) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2015 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Concept Finance’s phone number and website?
The FCA register lists the phone number 01708 865578 and the website essexcarcompany.co.uk for Concept Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Concept Finance a scam or clone?
Concept Finance 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 Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Concept Finance handles your money, so check the specific product before you commit. You can also refer complaints about Concept Finance to the Financial Ombudsman Service, free of charge.
Who owns Concept Finance?
Companies House lists 2 people with significant control of Concept Finance: Mr David George Newmarch (25–50% of shares) and Mrs Moira Lillian Newmarch (25–50% of shares). Before that, it was controlled by Mrs Moira Newmarch.
Who runs Concept Finance?
Companies House lists 2 directors of Concept Finance: Moira Lillian Newmarch and David George Newmarch.
How long has Concept Finance been in business?
The company was formed on 8 May 2007, and has held its current FCA authorisation since May 2015.
What do Concept Finance’s latest accounts show?
Its latest accounts, to 30 April 2025, show total equity of £2.59m (+2.7% from £2.52m) and cash at bank of £582k (−31% from £840k).
Does Concept Finance use any other names?
It trades as Essex Car Company.

Sources and links

The full report on Concept Finance Ltd

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