Kaizen Credit Limited

Reference number: 712309

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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, 1 thing worth a closer look

  • When kaizencredit.com first appeared online, and whether it can receive email
  • What kind of line 07891 456908 is, and the other firm that gives it
  • Who else gives the postcode SW2 1BZ
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Other names (1)

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

  • Credit Giant Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (15 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Administration
  • Debt-collecting
  • Entering into a regulated mortgage contract 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)
  • Making arrangements with a view to regulated mortgage contracts
  • Providing Credit Information Services

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
06586200
Company status
Active
Company type
Private limited company
Incorporated
7 May 2008 (18 years old)
Registered office
Unit 75 The Link, 49 Effra Road, London, SW2 1BZ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Ronald Keith Howard Director Jun 1962 7 May 2008 8 other companies

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 companies
8
closed down
4
is FCA-registered
1

In the full report: all 8 companies, 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
  • The one on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£159k

−2.9% from £163k

Employees (average)

0

Same as 0

Owed within a year

£134k

−3.6% from £139k

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 06586200. 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

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

Key events (4) All events (17)

2017

14 February 2017

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

FCA register

2016

6 April 2016

  • Ronald Keith Howard took control (75–100% of shares)

Companies House

2008

7 May 2008

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (4 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Kaizen Credit

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

connected firms
4
share a director
1
share its phone number
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Kaizen Credit

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

In London

Prudential Lifetime Mortgages LimitedLondonAuthorisedRothschild & Co Wealth Management UK LimitedLondonAuthorisedCoutts Finance Co.LondonAuthorisedButterfield Mortgages LimitedLondonAuthorisedOctopus Investments LimitedLondonAuthorisedLendInvest Loans 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 Kaizen Credit

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 17 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Kaizen Credit Limited FCA authorised?
Yes, Kaizen Credit Limited (FRN 712309) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Kaizen Credit’s phone number and website?
The FCA register lists the phone number 07891 456908 and the website kaizencredit.com for Kaizen Credit. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Kaizen Credit a scam or clone?
Kaizen 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 Kaizen Credit?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Kaizen Credit to the Financial Ombudsman Service, free of charge.
Who owns Kaizen Credit?
Companies House lists one person with significant control of Kaizen Credit: Mr Ronald Keith Howard (75–100% of shares).
Who runs Kaizen Credit?
Companies House lists one director of Kaizen Credit: Ronald Keith Howard.
How long has Kaizen Credit been in business?
The company was formed on 7 May 2008, and has held its current FCA authorisation since February 2017.
What do Kaizen Credit’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £159k (−2.9% from £163k).
Does Kaizen Credit use any other names?
It has previously used the name Credit Giant.

Sources and links

The full report on Kaizen Credit Limited

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