CONCEPT CAR CREDIT LIMITED
Company number 05024184 · Monitor this company
Executive summary
Concept Car Credit Limited is a small, family-controlled Greater Manchester retailer operating at the lower end of the UK used car retail spectrum, with a combined finance broking proposition. While the business demonstrates trading longevity and recent liquidity improvement, its declining equity base (down ~68% from 2022 peak), sub-sector working capital cushion, and exposure to FCA motor finance commission scrutiny place it under meaningful structural pressure compared to larger franchised and platform-led competitors. The firm's competitive viability depends on its ability to maintain local market share and finance commission margins while larger, better-capitalised digital competitors continue to compress independent dealer economics.
Shareholders' funds
£71,915
Balance sheet as at 2025-03-31
Overview
- Company type
- Private Limited Company
- Incorporated
- 2004-01-23
- Employees
- 30 (2025 accounts · was 25 in 2024)
- Registered office
- Unit E1 Europa Trading Estate, Stoneclough Road Radcliffe, Manchester, Lancashire, M26 1GG
- Postcode
- M26 1GG
- Capital
- 9,199 GBP
- Accounts category
- Total Exemption Full
- Charges
- 2 outstanding
Accounts
- Last made up to
- 2025-03-31
- Next due by
- 2026-12-31
- Financial year end
- 31 March
Confirmation statement
- Last statement dated
- 2026-07-21
- Next due by
- 2027-08-04
Nature of business (SIC)
- 45112 Sale of used cars and light motor vehicles
Officers 4 current · 7 resigned
Data protection registration
Registered with the ICO as a data protection fee payer — Z990127X (Tier 1), registered since 2007.
Information Commissioner's Office register of fee payers, licensed under the Open Government Licence.
Contact details
- Website
- conceptcarcredit.co.uk
- Phone
- 08000933385
Looking for a used car on finance? Concept Car Credit has a huge range of cars available on finance. View our cars online today or get in touch.
Previous registered addresses 2
| Address | Changed on |
|---|---|
| CONCEPT HOUSE EUROPA TRADING, ESTATE STONECLOUGH ROAD, RADCLIFFE MANCHESTER, LANCASHIRE M26 1GG | 2005-11-23 |
| 12 YORK PLACE, LEEDS, WEST YORKSHIRE, LS1 2DS | 2004-02-11 |
Among its peers
Top 25%
by shareholders' funds, of 517 similar companies in M
2nd largest employer among its local peers (30 staff).
Among the oldest 25% of its local peers, trading since 2004.
Competitors Manchester
This company ranks 64 among sale of used cars and light motor vehicles in Manchester.
The class of 2004
50%
of the 322 companies in this sector incorporated in 2004 are still active today; 45% have since been dissolved.
A fact about the year, not a forecast for this company.