Optimum Commercial Solutions Ltd

Reference number: 808754

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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 optimumelite.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 220 1700 is
  • Who else gives the postcode S9 1XU
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Other names (6)

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

  • Legacy Commercial Finance Trading name
  • Optimum Commercial Trading name
  • Optimum Elite Trading name
  • Optimum Healthcare Trading name
  • Optimum Holdings Limited Former name
  • Linear Commercial 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
09518480
Company status
Active
Company type
Private limited company
Incorporated
31 March 2015 (11 years old)
Registered office
Unit P2 Sheffield Airport Business Park, Europa Link, Sheffield, S9 1XU, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul David Spooner Director Jun 1979 31 Mar 2015 2 other companies
Andrew James Stone Director Jul 1983 31 Mar 2015 19 other companies
Paul David Naylor Director Sep 1978 21 Jul 2020 6 other companies

Other companies run by these 3 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
22
closed down
9
is FCA-registered
1

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 5 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£295k

+217% from £93.0k

Cash at bank

£441k

+230% from £134k

Employees (average)

9

−18% from 11

Owed within a year

£366k

+93% from £190k

Assets and liabilities

In the full report: all 7 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 09518480. 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

Optimum Commercial Solutions’s history from the FCA register and Companies House, newest first.

Key events (12) All events (27)

2025

1 August 2025

  • Andrew James Stone stopped being a part-owner
  • Optimum Holdings Limited took control (75–100% of shares)
  • Paul David Spooner stopped being a part-owner

Companies House

2019

24 January 2019

  • Lee Andrew Spooner stopped being a part-owner

Companies House

2018

7 November 2018

  • 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

5 November 2018

  • Changed its registered name from "Optimum Holdings Limited"

FCA register

2017

9 January 2017

  • Lee Andrew Spooner became a part-owner (25–50% of shares)

Companies House

2016

30 June 2016

  • Andrew James Stone became a part-owner (25–50% of shares)
  • Paul David Spooner became a part-owner (25–50% of shares)

Companies House

2015

31 March 2015

  • Incorporated at Companies House

Companies House

In the full report: all 27 events

  • All 27 events in its history (12 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Optimum Commercial Solutions

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

connected firms
2
share a director
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Optimum Commercial Solutions

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

In Sheffield

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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 Optimum Commercial Solutions

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 27 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Optimum Commercial Solutions Ltd FCA authorised?
Yes, Optimum Commercial Solutions Ltd (FRN 808754) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2018 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Optimum Commercial Solutions’ phone number and website?
The FCA register lists the phone number 0333 220 1700 and the website optimumelite.co.uk for Optimum Commercial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Optimum Commercial Solutions a scam or clone?
Optimum Commercial Solutions 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 Optimum Commercial Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Optimum Commercial Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Optimum Commercial Solutions to the Financial Ombudsman Service, free of charge.
Who owns Optimum Commercial Solutions?
Optimum Commercial Solutions is owned by Optimum Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 1 August 2025. Before that, it was controlled by Mr Lee Andrew Spooner, Mr Andrew James Stone and Mr Paul David Spooner.
Who runs Optimum Commercial Solutions?
Companies House lists 3 directors of Optimum Commercial Solutions: Paul David Spooner, Andrew James Stone and Paul David Naylor.
How long has Optimum Commercial Solutions been in business?
The company was formed on 31 March 2015, and has held its current FCA authorisation since November 2018.
What do Optimum Commercial Solutions’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £295k (+217% from £93.0k) and cash at bank of £441k (+230% from £134k).
Does Optimum Commercial Solutions use any other names?
It trades as Legacy Commercial Finance, Optimum Commercial, Optimum Elite and Optimum Healthcare. It has previously used 2 other names: Optimum Holdings Limited and Linear Commercial.

Sources and links

The full report on Optimum Commercial Solutions Ltd

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