European Change Consulting Limited

Reference number: 664878

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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 ccpawnbrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 0117 953 1360 is
  • Who else gives the postcode BS3 4HD
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Other names (2)

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

  • CC Pawnbrokers & Jewellers Trading name
  • cheques&change Former 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 (2 permissions)
  • 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)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
02887296
Company status
Active
Company type
Private limited company
Incorporated
13 January 1994 (32 years old)
Registered office
40a East Street, Bedminster, Bristol, Avon, BS3 4HD
Nature of business
  • Other retail sale in non-specialised stores (SIC 47190)
  • Retail sale of watches and jewellery in specialised stores (SIC 47770)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Suzanne Charlotte Sumpter Director Oct 1966 25 Jan 1994 1 other company
Mark Jonathan Sumpter Director Jan 1960 25 Jan 1994 3 other companies
Thomas Adam Sumpter Director Aug 1995 20 Mar 2023 None
Charlotte Imogen Sumpter Director Nov 1997 20 Mar 2023 1 other company
Suzanne Charlotte Sumpter Secretary Not published 25 Jan 1994 1 other company

Other companies run by these 4 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
4
still active
4
is FCA-registered
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 4 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£387k

+2.4% from £378k

Cash at bank

£252k

−25% from £333k

Employees (average)

18

Same as 18

Owed within a year

£94.0k

−32% from £137k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 02887296. 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

European Change Consulting’s history from the FCA register and Companies House, newest first.

Key events (6) All events (18)

2016

6 April 2016

  • Mark Jonathan Sumpter became a part-owner (25–50% of shares)
  • Suzanne Charlotte Sumpter became a part-owner (25–50% of shares)

Companies House

2015

14 April 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

1994

13 January 1994

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (6 shown here)
  • Every director appointment and resignation: 6
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Firms connected to European Change Consulting

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like European Change Consulting

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

In Bristol

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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 European Change Consulting

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is European Change Consulting Limited FCA authorised?
Yes, European Change Consulting Limited (FRN 664878) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2015 and works as a lender. The FCA has placed a limit on what it may do.
What is European Change Consulting’s phone number and website?
The FCA register lists the phone number 0117 953 1360 and the website ccpawnbrokers.co.uk for European Change Consulting. If you were given different contact details, use these to check with the firm before going any further.
Is European Change Consulting a scam or clone?
European Change Consulting 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 European Change Consulting?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how European Change Consulting handles your money, so check the specific product before you commit. You can also refer complaints about European Change Consulting to the Financial Ombudsman Service, free of charge.
Who owns European Change Consulting?
Companies House lists 2 people with significant control of European Change Consulting: Mrs Suzanne Charlotte Sumpter (25–50% of shares) and Mr Mark Jonathan Sumpter (25–50% of shares).
Who runs European Change Consulting?
Companies House lists 4 directors of European Change Consulting: Suzanne Charlotte Sumpter, Mark Jonathan Sumpter, Thomas Adam Sumpter and Charlotte Imogen Sumpter.
How long has European Change Consulting been in business?
The company was formed on 13 January 1994, and has held its current FCA authorisation since April 2015.
What do European Change Consulting’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £387k (+2.4% from £378k) and cash at bank of £252k (−25% from £333k).
Does European Change Consulting use any other names?
It trades as CC Pawnbrokers & Jewellers. It has previously used the name cheques&change.

Sources and links

The full report on European Change Consulting Limited

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