Pay Smart Carpets Limited

Reference number: 793720

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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 paysmartcarpets.com first appeared online, and whether it can receive email
  • What kind of line 0330 041 2999 is
  • Who else gives the postcode WA5 7TN
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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)

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
10991413
Company status
Active
Company type
Private limited company
Incorporated
2 October 2017 (9 years old)
Registered office
First Floor, East Wing, Sandfield House, Kings Close, Water Lane, Wilmslow, Cheshire, SK9 5AR, United Kingdom
Nature of business
  • Other retail sale not in stores, stalls or markets (SIC 47990)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew John Hoare Director Nov 1966 2 Oct 2017 3 other companies
Denis Paul Sudlow Director Jun 1971 3 Nov 2017 3 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
3
still active
3
are FCA-registered
2

In the full report: all 3 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 2 on the FCA register
  • The 3 companies these 2 directors run together
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Filed accounts and finances

Year to 30 October 2025Small company accountsNot audited

Net assets

£566k

+51% from £374k

Cash at bank

£41.0k

−85% from £280k

Employees (average)

30

+20% from 25

Owed within a year

£2.04m

+11% from £1.83m

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 10991413. 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

Pay Smart Carpets’s history from the FCA register and Companies House, newest first.

Key events (8) All events (12)

2025

13 January 2025

  • Andrew John Hoare stopped being a part-owner
  • Denis Paul Sudlow stopped being a part-owner
  • Dsah Holdings Limited took control (75–100% of shares)

Companies House

2018

3 January 2018

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

FCA register

2017

3 November 2017

  • Denis Paul Sudlow became a part-owner (25–50% of shares)

Companies House

2 October 2017

  • Incorporated at Companies House
  • Andrew John Hoare became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Pay Smart Carpets

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

connected firms
4
share a director
2
share its postcode
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Pay Smart Carpets

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

In Warrington

Go Car Credit LimitedWarringtonAuthorisedPinpoint Securities LimitedWarringtonAuthorisedBirchwood Golf Club LimitedWarringtonAuthorisedBruche Motors LimitedWarringtonAuthorisedMalham Financial Services LimitedWarringtonAuthorisedMartin Dawes LimitedWarringtonAuthorised

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 Pay Smart Carpets

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pay Smart Carpets Limited FCA authorised?
Yes, Pay Smart Carpets Limited (FRN 793720) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is Pay Smart Carpets’ phone number and website?
The FCA register lists the phone number 0330 041 2999 and the website paysmartcarpets.com for Pay Smart Carpets. If you were given different contact details, use these to check with the firm before going any further.
Is Pay Smart Carpets a scam or clone?
Pay Smart Carpets 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 Pay Smart Carpets?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Pay Smart Carpets handles your money, so check the specific product before you commit. You can also refer complaints about Pay Smart Carpets to the Financial Ombudsman Service, free of charge.
Who owns Pay Smart Carpets?
Pay Smart Carpets is owned by Dsah Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 13 January 2025. Before that, it was controlled by Mr Denis Paul Sudlow and Mr Andrew John Hoare.
Who runs Pay Smart Carpets?
Companies House lists 2 directors of Pay Smart Carpets: Andrew John Hoare and Denis Paul Sudlow.
How long has Pay Smart Carpets been in business?
The company was formed on 2 October 2017, and has held its current FCA authorisation since January 2018.
What do Pay Smart Carpets’ latest accounts show?
Its latest accounts, to 30 October 2025, show net assets of £566k (+51% from £374k) and cash at bank of £41.0k (−85% from £280k).

Sources and links

The full report on Pay Smart Carpets Limited

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