Stable Vehicle Contracts LLP

Reference number: 734817

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Swansway Garages Limited Reference number: 304920 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Stable Vehicle Contracts LLP (FRN 734817) is an AR of Swansway Garages Limited (FRN 304920). When you use Stable Vehicle Contracts's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Stable Vehicle Contracts, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 stablevehiclecontracts.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 728 4711 is
  • Who else gives the postcode L24 9PB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Swansway Garages Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
OC351096
Company status
Active
Company type
Limited liability partnership
Incorporated
23 December 2009 (16 years old)
Registered office
Swansway Group, Gateway, Crewe, Cheshire, CW1 6YY

Directors and company secretaries

Name Role Born Appointed Other companies
David Cowan LLP designated member Nov 1972 23 Dec 2009 None
SWANSWAY GARAGES LIMITED Corporate LLP designated member Not published 23 Dec 2009 5 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
5
closed down
4
still active
1

In the full report: all 5 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£459k

No earlier figure to compare

Cash at bank

£806k

No earlier figure to compare

Employees (average)

10

No earlier figure to compare

Owed within a year

£470k

No earlier figure to compare

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 OC351096. 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

Stable Vehicle Contracts’s history from the FCA register and Companies House, newest first.

Key events (3) All events (10)

2016

6 April 2016

  • Swansway Garages Limited took control (75–100% of shares)

Companies House

1 February 2016

  • Became an appointed representative

FCA register

2009

23 December 2009

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (3 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Stable Vehicle Contracts

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

connected firm
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 Stable Vehicle Contracts

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

In Liverpool

Allerton motor sales limitedLiverpoolAppointed representativeAlloy Wheels North West LtdLiverpoolAppointed representativeCrosby Park Garage LimitedLiverpoolAppointed representativeAffordable Car Finance (Nw) LtdLiverpoolAuthorisedAuto Network (GB) LimitedLiverpoolAuthorisedBeech Garage Car Sales LtdLiverpoolAuthorised

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 Stable Vehicle Contracts

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Stable Vehicle Contracts LLP FCA authorised?
Stable Vehicle Contracts LLP (FRN 734817) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Stable Vehicle Contracts?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Stable Vehicle Contracts LLP (FRN 734817) is an AR of Swansway Garages Limited (FRN 304920). When you use Stable Vehicle Contracts's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stable Vehicle Contracts, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Stable Vehicle Contracts’ phone number and website?
The FCA register lists the phone number 0151 728 4711 and the website stablevehiclecontracts.co.uk for Stable Vehicle Contracts. If you were given different contact details, use these to check with the firm before going any further.
Is Stable Vehicle Contracts a scam or clone?
Stable Vehicle Contracts 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 Stable Vehicle Contracts?
Protection works through Swansway Garages Limited, the principal firm responsible for Stable Vehicle Contracts's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Stable Vehicle Contracts?
Companies House lists one person with significant control of Stable Vehicle Contracts: Swansway Garages Limited (75–100% of surplus assets).
Who runs Stable Vehicle Contracts?
Companies House lists 2 directors of Stable Vehicle Contracts: David Cowan and Swansway Garages Limited.
How long has Stable Vehicle Contracts been in business?
The company was formed on 23 December 2009.
What do Stable Vehicle Contracts’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £459k (no earlier figure to compare) and cash at bank of £806k (no earlier figure to compare).

Sources and links

The full report on Stable Vehicle Contracts LLP

£19.99 · Instant PDF download

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