Return on Investment Ltd.

Reference number: 728594

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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 roiltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01270 610400 is
  • Who else gives the postcode CW5 5DQ
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Other names (2)

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

  • ROI Trading name
  • ROI Automotive 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
04716956
Company status
Active
Company type
Private limited company
Incorporated
31 March 2003 (23 years old)
Registered office
Pepper House, Market Street, Nantwich, Cheshire, CW5 5DQ
Nature of business
  • Other information technology service activities (SIC 62090)
  • Management consultancy activities other than financial management (SIC 70229)
  • Activities of call centres (SIC 82200)

Directors and company secretaries

Name Role Born Appointed Other companies
Nigel John Sandiford Director May 1968 1 Jan 2004 1 other company
Susan Jane Robinson Director Nov 1962 11 Jun 2019 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
run together
1

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 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsAudited

Turnover

£18.5m

<1% from £18.5m

Profit before tax

£922k

−38% from £1.48m

Net assets

£4.35m

+6.8% from £4.08m

Cash at bank

£1.83m

−4.5% from £1.92m

Turnover and profit

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company 04716956. 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

Return on Investment’s history from the FCA register and Companies House, newest first.

Key events (7) All events (19)

2025

29 October 2025

  • Changed its registered name from "RETURN on INVESTMENT LTD"

FCA register

25 March 2025

  • Nigel John Sandiford gave up control
  • Njs Holdings Limited took control (75–100% of shares)

Companies House

2016

10 July 2016

  • Nigel John Sandiford took control (75–100% of shares)

Companies House

11 January 2016

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

FCA register

2003

31 March 2003

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (7 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Return on Investment

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

connected firm
1
no longer authorised
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 Return on Investment

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

In Nantwich

Mickley Corporation LimitedNantwichAuthorisedThe Mountain Trike Company LimitedNantwichAuthorisedBob on Building LtdNantwichAppointed representative

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 Return on Investment

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
  • 5 years of accounts, charted
  • All 19 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Return on Investment Ltd. FCA authorised?
Yes, Return on Investment Ltd. (FRN 728594) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Return on Investment’s phone number and website?
The FCA register lists the phone number 01270 610400 and the website roiltd.co.uk for Return on Investment. If you were given different contact details, use these to check with the firm before going any further.
Is Return on Investment a scam or clone?
Return on Investment 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 Return on Investment?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Return on Investment handles your money, so check the specific product before you commit. You can also refer complaints about Return on Investment to the Financial Ombudsman Service, free of charge.
Who owns Return on Investment?
Return on Investment is owned by Njs Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 25 March 2025. Before that, it was controlled by Mr Nigel John Sandiford.
Who runs Return on Investment?
Companies House lists 2 directors of Return on Investment: Nigel John Sandiford and Susan Jane Robinson.
How long has Return on Investment been in business?
The company was formed on 31 March 2003, and has held its current FCA authorisation since January 2016.
What do Return on Investment’s latest accounts show?
Its latest accounts, to 31 March 2025, show turnover of £18.5m (<1% from £18.5m) and profit before tax of £922k (−38% from £1.48m).
Does Return on Investment use any other names?
It trades as ROI and ROI Automotive.

Sources and links

The full report on Return on Investment Ltd.

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