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 10 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 31 March 2024
- On its latest accounts it owed £8.30m more than it owned
Responsible principal firm
Quint Group Limited Reference number: 669450 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.
- Credit Intelligence Limited (FRN 739008) is an AR of Quint Group Limited (FRN 669450). When you use Credit Intelligence's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Credit Intelligence, 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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No website on the FCA register
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Phone number
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Address
Glasshouse, Alderley Park, Nether Alderley, Macclesfield, Cheshire, SK10 4ZE, United Kingdom
In the full report: 2 background checks
- What kind of line 01625 505464 is, and the 4 other firms that give it
- Who else gives the postcode SK10 4ZE
Other names (5)
If you were contacted under any of these names, it is this firm.
- www.credito.co.uk Trading name: A name it trades under now.
- Credit Angel Limited Former name: A name it was registered under before.
- Credi Angel Former trading name: A name it used to trade under.
- Credit Angel Former trading name: A name it used to trade under.
- www.creditangel.co.uk Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quint Group 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
- 08552150 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 31 May 2013 (13 years old)
- Registered office
- Glasshouse, Alderley Park, Nether Alderley, SK10 4ZE, England
- Nature of business
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- Data processing, hosting and related activities (SIC 63110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael Christian Ransom | Director | Sep 1972 | 31 May 2013 | 18 other companies |
| QUINT GROUP LIMITED | Corporate director | Not published | 9 Sep 2015 | 8 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
- 20
- closed down
- 3
- are FCA-registered
- 7
In the full report: all 20 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 7 on the FCA register, including one no longer authorised
- The 6 companies these 2 directors run together
Filed accounts and finances
Total equity
−£8.30m
Down £1.33m from −£6.96m
Cash at bank
£9,996
−17% from £12.1k
Employees (average)
25
−3.8% from 26
Owed within a year
£10.1m
+37% from £7.36m
Total equity is negative: on its last balance sheet the company owed £8.30m more than it owned.
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2020 to 2024
- 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.
Accounts filed at Companies House for company 08552150. 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
Credit Intelligence’s history from the FCA register and Companies House, newest first.
2020
9 October 2020
- Changed its registered name from "Credit Angel Limited"
FCA register
2016
6 April 2016
- Gregory Charles Cox took control (75–100% of shares)
- Michael Christian Ransom gained significant control
- Quint Group Limited took control (75–100% of shares)
Companies House
2 March 2016
- Became an appointed representative
FCA register
2013
31 May 2013
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (6 shown here)
- Every director appointment and resignation: 1
Firms connected to Credit Intelligence
Other FCA-listed firms that share a director, phone number or address with Credit Intelligence. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 6
- share a director
- 5
- share its phone number
- 4
In the full report: all 6 connected firms, named
- How each is linked: shared directors (5), the same phone number (4), the same postcode (6)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Credit Intelligence
Other firms of the same type (insurance broker), nearest first.
In Macclesfield
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 Credit Intelligence
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 20 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 14 events in its history
- 6 connected firms, named, and who links them
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Frequently asked questions about this firm
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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