Credit Resource Solutions Limited

Reference number: 626796

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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 creditresourcesolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 01422 324510 is
  • Who else gives the postcode HX3 5AX
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Other names (4)

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

  • coeo Trading name
  • CRS Trading name
  • MyCRS Trading name
  • Credit Resource Solutions Ltd Former 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 (7 permissions)
  • Debt Administration
  • Debt-collecting
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit
  • Exercising or having the right to exercise the lender's rights and duties under a bill of sale loan agreement
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
04690879
Company status
Active
Company type
Private limited company
Incorporated
7 March 2003 (23 years old)
Registered office
G2 G Mill, Dean Clough Mills, Halifax, West Yorkshire, HX3 5AX, England
Nature of business
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Caroline Burston Director Aug 1971 18 Apr 2018 3 other companies
Benjamin Calvert Director May 1990 18 Apr 2018 3 other companies
Elias Reitter Director Dec 1970 23 Nov 2021 1 other company
Stephen Lubbock Director Jun 1987 3 Jun 2026 1 other company
Niels Von Hase Director Jul 1978 29 Jun 2026 None

Other companies run by these 5 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
3
run together
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 companies these 5 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

9 months to 31 December 2023Small company accountsAudited

Net assets

£5.11m

+72% from £2.97m

Cash at bank

£5.35m

+129% from £2.34m

Employees (average)

86

−26% from 116

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2020 to 2023
  • 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 04690879. 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 Resource Solutions’s history from the FCA register and Companies House, newest first.

Key events (12) All events (35)

2026

3 June 2026

  • Coeo Group Gmbh took control (75–100% of shares)

Companies House

20 April 2026

  • Tom Haverkamp stopped being a part-owner

Companies House

2023

22 November 2023

  • Changed its registered name from "Credit Resource Solutions Ltd"

FCA register

2021

23 November 2021

  • Andrew Mark Calvert stopped being the majority owner
  • Julie Calvert stopped being the majority owner
  • Tom Haverkamp became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Andrew Mark Calvert became the majority owner (50–75% of shares)
  • Julie Calvert became the majority owner (50–75% of shares)

Companies House

2015

31 July 2015

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

FCA register

2004

6 March 2004

  • Board replaced: all 3 directors left and a new director took over

Companies House

2003

7 March 2003

  • Incorporated at Companies House

Companies House

In the full report: all 35 events

  • All 35 events in its history (12 shown here)
  • Every director appointment and resignation: 17
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Firms like Credit Resource Solutions

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

In Halifax

The Digital DRA LtdHalifaxAuthorised

In the Halifax (HX) postcode area

Revive Asset LimitedSowerby BridgeAuthorised

Elsewhere in the UK

Experian Refi Outsource Services LimitedNottinghamAuthorisedBarclays Security Trustee LimitedLondonAuthorisedFunding Circle LtdLondonAuthorisedPaymentsense LimitedLondonAuthorised

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 Resource Solutions

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
  • 5 years of accounts, charted
  • All 35 events in its history

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Frequently asked questions about this firm

Is Credit Resource Solutions Limited FCA authorised?
Yes, Credit Resource Solutions Limited (FRN 626796) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2015 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Credit Resource Solutions’ phone number and website?
The FCA register lists the phone number 01422 324510 and the website creditresourcesolutions.co.uk for Credit Resource Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Resource Solutions a scam or clone?
Credit Resource Solutions 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 Credit Resource Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credit Resource Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Credit Resource Solutions to the Financial Ombudsman Service, free of charge.
Who owns Credit Resource Solutions?
Credit Resource Solutions is owned by Coeo Group Gmbh, which holds 75–100% of shares and 75–100% of votes, since 3 June 2026. Before that, it was controlled by Mr Andrew Mark Calvert, Julie Calvert and Dr Tom Haverkamp.
Who runs Credit Resource Solutions?
Companies House lists 5 directors of Credit Resource Solutions: Caroline Burston, Benjamin Calvert, Elias Reitter, Stephen Lubbock and Niels Von Hase.
How long has Credit Resource Solutions been in business?
The company was formed on 7 March 2003, and has held its current FCA authorisation since July 2015.
What do Credit Resource Solutions’ latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of £5.11m (+72% from £2.97m) and cash at bank of £5.35m (+129% from £2.34m).
Does Credit Resource Solutions use any other names?
It trades as coeo, CRS and MyCRS. It has previously used the name Credit Resource Solutions Ltd.

Sources and links

The full report on Credit Resource Solutions Limited

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