Phoenix Credit Limited

Reference number: 679627

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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 phoenixcarcentre.com first appeared online, and whether it can receive email
  • What kind of line 01962 870707 is
  • Who else gives the postcode SO21 1HU
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Other names (2)

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

  • Phoenix Car Centre Trading name
  • Phoenix Cars 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
06132550
Company status
Active
Company type
Private limited company
Incorporated
1 March 2007 (19 years old)
Registered office
Phoenix Car Centre Chilcomb Lane, Chilcomb, Winchester, SO21 1HU, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Roger Cornish Director Apr 1974 1 Mar 2013 3 other companies
Graham Southwell Director Sep 1980 1 Mar 2013 2 other companies
Jason Michael Southwell Director May 1974 1 Jan 2026 6 other companies
Graham Southwell Secretary Not published 24 Nov 2008 –

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
9
closed down
3
is FCA-registered
1

In the full report: all 9 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 2 companies these 3 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2025Small company accountsNot audited

Net assets

£715k

−13% from £820k

Cash at bank

£137k

−17% from £165k

Employees (average)

10

−17% from 12

Owed within a year

£1.22m

−8.8% from £1.33m

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 06132550. 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

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

Key events (9) All events (20)

2026

1 July 2026

  • Jason Michael Southwell became a part-owner (25–50% of shares)

Companies House

2020

1 January 2020

  • Susan Southwell stopped being a part-owner

Companies House

2016

6 April 2016

  • Andrew Roger Cornish became a part-owner (25–50% of shares)
  • Graham Southwell became a part-owner (25–50% of shares)
  • Susan Southwell became a part-owner (25–50% of shares)

Companies House

2015

14 April 2015

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

FCA register

2013

1 March 2013

  • Board replaced: its only director left and 2 new directors took over

Companies House

2007

1 March 2007

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Phoenix Credit

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Phoenix Credit

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

In Winchester

Avenue CarsWinchesterAuthorisedEclipse Car Sales LimitedWinchesterAuthorisedIac Cars LimitedWinchesterAuthorisedMoto Rapido LimitedWinchesterAuthorisedWinchester Caravans LimitedWinchesterAuthorisedWinchester Motor Company LimitedWinchesterAuthorised

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 Phoenix Credit

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Phoenix Credit Limited FCA authorised?
Yes, Phoenix Credit Limited (FRN 679627) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2015 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Phoenix Credit’s phone number and website?
The FCA register lists the phone number 01962 870707 and the website phoenixcarcentre.com for Phoenix Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Phoenix Credit a scam or clone?
Phoenix 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 Phoenix Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Phoenix Credit handles your money, so check the specific product before you commit. You can also refer complaints about Phoenix Credit to the Financial Ombudsman Service, free of charge.
Who owns Phoenix Credit?
Companies House lists 3 people with significant control of Phoenix Credit: Mr Jason Michael Southwell (25–50% of shares), Mr Graham Southwell (25–50% of shares) and Mr Andrew Roger Cornish (25–50% of shares). Before that, it was controlled by Mrs Susan Southwell.
Who runs Phoenix Credit?
Companies House lists 3 directors of Phoenix Credit: Andrew Roger Cornish, Graham Southwell and Jason Michael Southwell.
How long has Phoenix Credit been in business?
The company was formed on 1 March 2007, and has held its current FCA authorisation since April 2015.
What do Phoenix Credit’s latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £715k (−13% from £820k) and cash at bank of £137k (−17% from £165k).
Does Phoenix Credit use any other names?
It trades as Phoenix Car Centre and Phoenix Cars.

Sources and links

The full report on Phoenix Credit Limited

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