Universal Retail Limited

Reference number: 314529

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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 silverscars.co.uk first appeared online, and whether it can receive email
  • What kind of line 01977 600099 is
  • Who else gives the postcode WF8 1QT
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Other names (2)

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

  • Silvers Trading name
  • Universal Retail Ltd Former name

FCA permissions and consumer protection

  • Give regulated advice No FSCS cover
    Advice on consumer credit is not covered by the FSCS.
  • 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 (4 permissions)
  • Advising on P2P agreements
  • 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
04469041
Company status
Active
Company type
Private limited company
Incorporated
25 June 2002 (24 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Matthew Robson Director Nov 1969 4 Oct 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 7 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£390k

+64% from £238k

Employees (average)

9

Same as 9

Owed within a year

£22.1k

−86% from £156k

No turnover or profit for the year to 30 June 2025: the accounts print them but do not tag them. The last tagged figures are £4.03m turnover and £176k profit, for the year to 30 June 2024.

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.

Accounts filed at Companies House for company 04469041. 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

Universal Retail’s history from the FCA register and Companies House, newest first.

Key events (11) All events (26)

2024

4 October 2024

  • Board replaced: both directors left and a new director took over
  • Rehaz Khan stopped being a part-owner
  • Smart Choice Vehicles Ltd took control (75–100% of shares)
  • Wayne Nilan stopped being a part-owner

Companies House

2021

12 October 2021

  • Changed its registered name from "Universal Retail Ltd"

FCA register

2016

6 April 2016

  • Rehaz Khan became a part-owner (25–50% of shares)
  • Wayne Nilan became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

25 June 2002

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (11 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Universal Retail

Other FCA-listed firms that share a director, phone number or address with Universal Retail. 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 Universal Retail

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

In Pontefract

Appleyard Cars LtdPontefractAuthorisedBCW Car Sales LtdPontefractAuthorisedDriveaway Motors (Yorkshire) LimitedPontefractAuthorisedHealey Holdings Yorkshire LimitedPontefractAuthorisedRDA Car Sales LTDPontefractAuthorisedVdub Motors LimitedPontefractAuthorised

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 Universal Retail

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 26 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Universal Retail Limited FCA authorised?
Yes, Universal Retail Limited (FRN 314529) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Universal Retail’s phone number and website?
The FCA register lists the phone number 01977 600099 and the website silverscars.co.uk for Universal Retail. If you were given different contact details, use these to check with the firm before going any further.
Is Universal Retail a scam or clone?
Universal Retail 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 Universal Retail?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Universal Retail handles your money, so check the specific product before you commit. You can also refer complaints about Universal Retail to the Financial Ombudsman Service, free of charge.
Who owns Universal Retail?
Universal Retail is owned by Smart Choice Vehicles Ltd, which holds 75–100% of shares, since 4 October 2024. Before that, it was controlled by Mr Wayne Nilan and Mr Rehaz Khan.
Who runs Universal Retail?
Companies House lists one director of Universal Retail: Paul Matthew Robson.
How long has Universal Retail been in business?
The company was formed on 25 June 2002, and has held its current FCA authorisation since January 2005.
What do Universal Retail’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £390k (+64% from £238k).
Does Universal Retail use any other names?
It trades as Silvers. It has previously used the name Universal Retail Ltd.

Sources and links

The full report on Universal Retail Limited

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