Kandoo Car Credit Ltd

Reference number: 936619

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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 kandoocarcredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 850 5354 is
  • Who else gives the postcode M27 8FF
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Other names (2)

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

  • Pick My Car Trading name
  • www.pick-my-car.co.uk 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)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
12178111
Company status
Active
Company type
Private limited company
Incorporated
28 August 2019 (7 years old)
Registered office
2nd Floor Oak Court M60 Office Park, Clifton, Manchester, M27 8FF, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Other credit granting not elsewhere classified (SIC 64929)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Samuel Thomas Gratton Director Oct 1986 28 Aug 2019 None
Philip Andrew Henry Seymour Director Mar 1983 28 Aug 2019 1 other company

Other companies run by these 2 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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

−£274k

Up £116k from −£391k

Cash at bank

£292k

+741% from £34.7k

Employees (average)

54

+32% from 41

Owed within a year

£949k

+359% from £207k

Net assets are negative: on its last balance sheet the company owed £274k more than it owned.

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 12178111. 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

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

Key events (5) All events (12)

2021

15 July 2021

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

FCA register

2019

28 August 2019

  • Incorporated at Companies House
  • Philip Andrew Henry Seymour became a part-owner (25–50% of shares)
  • Samuel Thomas Gratton became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Kandoo Car Credit

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Kandoo Car Credit

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

In Manchester

Tesla Motors LimitedManchesterAuthorisedSuperbike Factory LimitedManchesterAuthorised118 Cars LtdManchesterAuthorisedAaa Stars LtdManchesterAuthorisedAlpino cars limitedManchesterAuthorisedAluk Motors LtdManchesterAuthorised

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 Kandoo Car Credit

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 12 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Kandoo Car Credit Ltd FCA authorised?
Yes, Kandoo Car Credit Ltd (FRN 936619) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2021 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Kandoo Car Credit’s phone number and website?
The FCA register lists the phone number 0161 850 5354 and the website kandoocarcredit.co.uk for Kandoo Car Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Kandoo Car Credit a scam or clone?
Kandoo Car 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 Kandoo Car Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Kandoo Car Credit handles your money, so check the specific product before you commit. You can also refer complaints about Kandoo Car Credit to the Financial Ombudsman Service, free of charge.
Who owns Kandoo Car Credit?
Companies House lists 2 people with significant control of Kandoo Car Credit: Mr Samuel Thomas Gratton (25–50% of shares) and Mr Philip Andrew Henry Seymour (25–50% of shares).
Who runs Kandoo Car Credit?
Companies House lists 2 directors of Kandoo Car Credit: Samuel Thomas Gratton and Philip Andrew Henry Seymour.
How long has Kandoo Car Credit been in business?
The company was formed on 28 August 2019, and has held its current FCA authorisation since July 2021.
What do Kandoo Car Credit’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of −£274k (up £116k from −£391k) and cash at bank of £292k (+741% from £34.7k).
Does Kandoo Car Credit use any other names?
It trades as Pick My Car and www.pick-my-car.co.uk.

Sources and links

The full report on Kandoo Car Credit Ltd

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