Optima Consumer Credit Limited

Reference number: 722799

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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 optimaconsumercredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 01246 410120 is
  • Who else gives the postcode S43 3ZS
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Other names (1)

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

  • Optima 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 (1 permission)
  • Credit Broking

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
04669600
Company status
Active
Company type
Private limited company
Incorporated
18 February 2003 (23 years old)
Registered office
Office 11 The Moorings Crossland Drive, Staveley, Chesterfield, Derbyshire, S43 3ZS, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Anthony Otter Director Mar 1977 15 Feb 2012 1 other company
Simon Andrew Otter Director Sep 1979 8 Oct 2020 2 other companies

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 companies
2
closed down
2
run together
1

In the full report: all 2 companies, 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
  • The 1 company these 2 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£1.24m

−5% from £1.31m

Cash at bank

£1.03m

+5.5% from £977k

Employees (average)

10

Same as 10

Owed within a year

£103k

+19% from £86.6k

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 04669600. 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

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

Key events (10) All events (25)

2018

22 March 2018

  • Nicholas Anthony Otter no longer holds 25–50% of the votes
  • Simon Andrew Otter no longer holds 25–50% of the votes
  • Susan Janet Otter stopped being a part-owner

Companies House

2016

13 April 2016

  • Nicholas Anthony Otter gained 25–50% of the votes
  • Simon Andrew Otter gained 25–50% of the votes

Companies House

6 April 2016

  • Susan Janet Otter became a part-owner (25–50% of shares)

Companies House

2015

17 November 2015

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

FCA register

2012

15 February 2012

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

Companies House

2003

18 February 2003

  • Incorporated at Companies House

Companies House

In the full report: all 25 events

  • All 25 events in its history (10 shown here)
  • Every director appointment and resignation: 12
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Firms like Optima Consumer Credit

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

In Chesterfield

John Edward James, Christopher John James, & Mark Timothy James t/a J E James CyclesChesterfieldAuthorisedBalanced Funding Solutions LimitedChesterfieldAuthorisedDavid MadgwickChesterfieldAuthorisedJames CarlinChesterfieldAuthorisedJames Mark RedfordChesterfieldAuthorisedMark DuesburyChesterfieldAuthorised

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 Optima Consumer Credit

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 25 events in its history

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Frequently asked questions about this firm

Is Optima Consumer Credit Limited FCA authorised?
Yes, Optima Consumer Credit Limited (FRN 722799) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Optima Consumer Credit’s phone number and website?
The FCA register lists the phone number 01246 410120 and the website optimaconsumercredit.co.uk for Optima Consumer Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Optima Consumer Credit a scam or clone?
Optima Consumer 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 Optima Consumer Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Optima Consumer Credit handles your money, so check the specific product before you commit. You can also refer complaints about Optima Consumer Credit to the Financial Ombudsman Service, free of charge.
Who owns Optima Consumer Credit?
Companies House lists no one with significant control of Optima Consumer Credit now. Before that, it was controlled by Mr Simon Andrew Otter, Mr Nicholas Anthony Otter and Mrs Susan Janet Otter.
Who runs Optima Consumer Credit?
Companies House lists 2 directors of Optima Consumer Credit: Nicholas Anthony Otter and Simon Andrew Otter.
How long has Optima Consumer Credit been in business?
The company was formed on 18 February 2003, and has held its current FCA authorisation since November 2015.
What do Optima Consumer Credit’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £1.24m (−5% from £1.31m) and cash at bank of £1.03m (+5.5% from £977k).
Does Optima Consumer Credit use any other names?
It trades as Optima.

Sources and links

The full report on Optima Consumer Credit Limited

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