Cre4tiv Ltd

Reference number: 1038460

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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 consolidationhelp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07538 667366 is
  • Who else gives the postcode SK8 2JX
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Other names (2)

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

  • Consolidationhelp.co.uk Trading name
  • www.omuni.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 (1 permission)
  • Credit Broking

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
15248098
Company status
Active
Company type
Private limited company
Incorporated
31 October 2023 (2 years old)
Registered office
Second Floor A, Stockport Road, Cheadle, SK8 2JX, England
Nature of business
  • Advertising agencies (SIC 73110)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven William Bailey Director Apr 1986 31 Oct 2023 None
Lisa Marie Kee Director Jul 1976 31 Oct 2023 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£267

Up £134 from £133

Cash at bank

£124k

+292% from £31.7k

Employees (average)

1

Same as 1

Assets and liabilities

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 15248098. 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

Cre4tiv’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2025

31 October 2025

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

FCA register

2023

31 October 2023

  • Incorporated at Companies House
  • Lisa Marie Kee became a part-owner (25–50% of shares)
  • Steven William Bailey became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Cre4tiv

Other FCA-listed firms that share a director, phone number or address with Cre4tiv. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Cre4tiv

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

In Cheadle

Igloo Finance LtdCheadleAuthorisedR.j.w Assist LtdCheadleAuthorisedCampaigne LimitedCheadleAppointed representativeMy Finance Gateway LimitedCheadleAppointed representativeR J Assist LtdCheadleAppointed representativeShabir JussabCheadleAppointed 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 Cre4tiv

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
  • All 11 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cre4tiv Ltd FCA authorised?
Yes, Cre4tiv Ltd (FRN 1038460) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2025 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Cre4tiv’s phone number and website?
The FCA register lists the phone number 07538 667366 and the website consolidationhelp.co.uk for Cre4tiv. If you were given different contact details, use these to check with the firm before going any further.
Is Cre4tiv a scam or clone?
Cre4tiv 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 Cre4tiv?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Cre4tiv handles your money, so check the specific product before you commit. You can also refer complaints about Cre4tiv to the Financial Ombudsman Service, free of charge.
Who owns Cre4tiv?
Companies House lists 2 people with significant control of Cre4tiv: Miss Lisa Marie Kee (25–50% of shares) and Mr Steven William Bailey (25–50% of shares).
Who runs Cre4tiv?
Companies House lists 2 directors of Cre4tiv: Steven William Bailey and Lisa Marie Kee.
How long has Cre4tiv been in business?
The company was formed on 31 October 2023, and has held its current FCA authorisation since October 2025.
What do Cre4tiv’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £267 (up £134 from £133) and cash at bank of £124k (+292% from £31.7k).
Does Cre4tiv use any other names?
It trades as Consolidationhelp.co.uk and www.omuni.co.uk.

Sources and links

The full report on Cre4tiv Ltd

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