Estone Personal Credit Limited

Reference number: 694974

Instant download

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 estonepersonalcredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 522 4687 is
  • Who else gives the postcode DY4 7RG
Instant PDF download
Other names (2)

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

  • EPC Trading name
  • Homesmile 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 (5 permissions)
  • Credit Broking
  • Entering into a regulated home credit loan agreement as lender
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan 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
03729110
Company status
Active
Company type
Private limited company
Incorporated
9 March 1999 (27 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Langley Director Feb 1960 1 Jan 2007 None
Jay Matthew Langley Director Jan 1989 15 Jan 2015 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 5 people who have been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1.71m

+5.6% from £1.62m

Cash at bank

£783k

+20% from £650k

Employees (average)

10

−9.1% from 11

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 03729110. 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

Estone Personal Credit’s history from the FCA register and Companies House, newest first.

Key events (5) All events (17)

2026

3 February 2026

  • Karen Langley became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Paul Langley became a part-owner (25–50% of shares)

Companies House

2015

24 November 2015

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

FCA register

1999

9 March 1999

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (5 shown here)
  • Every director appointment and resignation: 8
Instant PDF download

Firms like Estone Personal Credit

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

In Tipton

Pennington Insurance Brokers LimitedTiptonAuthorised

In the Dudley (DY) postcode area

Anthony Norman RaybonDudleyAuthorisedCrown Financial ManagementStourbridgeAuthorisedG.L.M. Finance LimitedDudleyAuthorisedHillandale Caravan Finance LimitedStourport-On-SevernAuthorisedLuke HooperKidderminsterAuthorised

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 Estone Personal Credit

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
  • 7 years of accounts, charted
  • All 17 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Estone Personal Credit Limited FCA authorised?
Yes, Estone Personal Credit Limited (FRN 694974) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Estone Personal Credit’s phone number and website?
The FCA register lists the phone number 0121 522 4687 and the website estonepersonalcredit.co.uk for Estone Personal Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Estone Personal Credit a scam or clone?
Estone Personal Credit 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 Estone Personal Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Estone Personal Credit handles your money, so check the specific product before you commit. You can also refer complaints about Estone Personal Credit to the Financial Ombudsman Service, free of charge.
Who owns Estone Personal Credit?
Companies House lists 2 people with significant control of Estone Personal Credit: Mrs Karen Langley (25–50% of shares) and Mr Paul Langley (25–50% of shares).
Who runs Estone Personal Credit?
Companies House lists 2 directors of Estone Personal Credit: Paul Langley and Jay Matthew Langley.
How long has Estone Personal Credit been in business?
The company was formed on 9 March 1999, and has held its current FCA authorisation since November 2015.
What do Estone Personal Credit’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £1.71m (+5.6% from £1.62m) and cash at bank of £783k (+20% from £650k).
Does Estone Personal Credit use any other names?
It trades as EPC and Homesmile.

Sources and links

The full report on Estone Personal Credit Limited

£19.99 · Instant PDF download

Loading secure checkout…