{"name":"CONCEPT CAR CREDIT LIMITED","company_number":"05024184","status":"Active","type":"Private Limited Company","incorporated":"2004-01-23","dissolved":null,"registered_office":"Unit E1  Europa Trading Estate, Stoneclough Road Radcliffe, Manchester, Lancashire, M26 1GG","postcode":"M26 1GG","sic_codes":[{"code":45112,"description":"Sale of used cars and light motor vehicles"}],"principal_activity":null,"previous_names":[],"warnings":[],"accounts":{"category":"Total Exemption Full","year_end":"31 March","last_made_up_to":"2025-03-31","next_due":"2026-12-31"},"employees":{"count":30,"accounts_date":"2025-03-31"},"financials":[{"financial_date":"2025-03-31","net_assets":85248,"cash":278092,"average_employees":30},{"financial_date":"2024-03-31","net_assets":102812,"cash":92611,"average_employees":25},{"financial_date":"2023-03-31","cash":72475},{"financial_date":"2022-03-31","net_assets":262991,"cash":289003},{"financial_date":"2021-03-31","net_assets":258283,"cash":360108}],"officers":{"current":4,"resigned":7,"complete":true,"note":"Names and details of individual officers are on the People page (subscriber-only on this site) and free at Companies House."},"charges":{"total":2,"outstanding":2},"gazette_notices":[],"insolvency_outcome":null,"ai_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.","website":"https://www.conceptcarcredit.co.uk/","links":{"page":"https://www.companiesintheuk.co.uk/ltd/concept-car-credit","people":"https://www.companiesintheuk.co.uk/company/concept-car-credit/people","filing_history":"https://www.companiesintheuk.co.uk/company/concept-car-credit/filing-history","companies_house":"https://find-and-update.company-information.service.gov.uk/company/05024184","financials":"https://www.companiesintheuk.co.uk/company/concept-car-credit/financial","control":"https://www.companiesintheuk.co.uk/company/concept-car-credit/control","charges":"https://www.companiesintheuk.co.uk/company/concept-car-credit/charges","ai_analysis":"https://www.companiesintheuk.co.uk/company/concept-car-credit/analysis"},"source":"CompaniesInTheUK, from Companies House, The Gazette and other public registers (see /support/about). Cite as: CompaniesInTheUK, https://www.companiesintheuk.co.uk/ltd/concept-car-credit"}