Credit Solutions International Limited

Reference number: 631260

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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 csiukus.com first appeared online, and whether it can receive email
  • What kind of line 01244 566425 is
  • Who else gives the postcode CH1 1HG
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Other names (1)

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

  • Balloon Financial 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)
  • Debt-collecting
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • 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)

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
06737043
Company status
Active
Company type
Private limited company
Incorporated
30 October 2008 (18 years old)
Registered office
5-7 Grosvenor Court, Foregate Street, Chester, Cheshire, CH1 1HG, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Risk and damage evaluation (SIC 66210)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Peter Davies Director Feb 1964 20 Jul 2014 1 other company

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£6,289

<1% from £6,271

Cash at bank

£206

−100% from £85.5k

Employees (average)

2

+100% from 1

Assets and liabilities

In the full report: all 6 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 06737043. 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 Solutions International’s history from the FCA register and Companies House, newest first.

Key events (6) All events (16)

2016

6 April 2016

  • Ian Longhorn became a part-owner (25–50% of shares)
  • John Michael Devoy became the majority owner (50–75% of shares)

Companies House

2015

11 December 2015

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

FCA register

2014

20 July 2014

  • Board replaced: its only director left and a new director took over

Companies House

2008

30 October 2008

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (6 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Credit Solutions International

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Credit Solutions International

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

In Chester

MBNA LimitedChesterAuthorisedFJM (NW) LimitedChesterAuthorisedIsebrook SuppliesChesterAuthorisedLdf Finance No. 2 LimitedChesterAuthorisedLDF Finance No. 3 LimitedChesterAuthorisedLDF Finance No.1 LimitedChesterAuthorised

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 Solutions International

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Credit Solutions International Limited FCA authorised?
Yes, Credit Solutions International Limited (FRN 631260) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Credit Solutions International’s phone number and website?
The FCA register lists the phone number 01244 566425 and the website csiukus.com for Credit Solutions International. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Solutions International a scam or clone?
Credit Solutions International 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 Solutions International?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credit Solutions International handles your money, so check the specific product before you commit. You can also refer complaints about Credit Solutions International to the Financial Ombudsman Service, free of charge.
Who owns Credit Solutions International?
Companies House lists 2 people with significant control of Credit Solutions International: Mr John Michael Devoy (50–75% of shares) and Mr Ian Longhorn (25–50% of shares).
Who runs Credit Solutions International?
Companies House lists one director of Credit Solutions International: Philip Peter Davies.
How long has Credit Solutions International been in business?
The company was formed on 30 October 2008, and has held its current FCA authorisation since December 2015.
What do Credit Solutions International’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £6,289 (<1% from £6,271) and cash at bank of £206 (−100% from £85.5k).
Does Credit Solutions International use any other names?
It trades as Balloon Financial.

Sources and links

The full report on Credit Solutions International Limited

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