UK Companies House feature
FOUNDATION FOR CREDIT COUNSELLING
Profile
- Company number
- 02757055
- Status
- Active
- Incorporation
- 1992-10-19
- Last accounts made up
- 2024-12-31
- Account category
- GROUP
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated (group)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on the going concern basis. In auditing the financial statements, we have concluded that the Trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”
Subsidiaries
- Consumer Credit Counselling Service Voluntary Arrangements Ltd · Insolvency services
- Consumer Credit Counselling Service (Equity Release) Ltd · Advice for Equity Release and Mortgages
- Debt Remedy Ltd · Dormant
- StepChange Equity Release Ltd · Dormant
- StepChange Financial Solutions Ltd · Dormant
- StepChange Voluntary Arrangements Ltd · Dormant
Significant events
- “In response to operating losses in 2023 and 2024, and continued difficult market conditions, a decision was taken by the Board of Trustees in April 2025 to close Consumer Credit Counselling Service (Equity Release) Limited to new business and to support the company in commencing an orderly wind-down of its affairs.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
13 active · 37 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SMITH, Catherine Jennifer | Secretary | 2024-04-24 | — | — |
| ACTON, Susan | Director | 2023-07-01 | Sep 1972 | British |
| ASHLEY, Michael St John | Director | 2023-07-01 | Sep 1954 | British |
| CAPLAN, Nicholas Michael | Director | 2019-02-26 | Jun 1959 | British |
| DEAN, Barbara Helen | Director | 2019-01-21 | Dec 1959 | British |
| HARDING, Elizabeth Mary | Director | 2023-07-01 | Aug 1982 | British |
| KAUR, Ramondeep | Director | 2025-06-30 | Apr 1983 | British |
| KLIMAYTYS, Yvonne Jean | Director | 2021-07-01 | Mar 1958 | British |
| LYNSKEY, Sean | Director | 2025-06-23 | Jul 1988 | British |
| MELLOR, Lisa Jane | Director | 2025-06-23 | Sep 1976 | British |
| POPE, Janet Edna | Director | 2024-01-01 | Sep 1960 | British |
| TITCOMB, Lesley Jane | Director | 2019-01-21 | Jun 1961 | British |
| WOOD, Christopher Mark, Mr. | Director | 2021-02-01 | Aug 1970 | British |
Show 37 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BRADFORD, Rachel Julia | Secretary | 2014-10-30 | 2016-03-17 |
| CARNEY, Richard | Secretary | 1992-10-19 | 1993-10-19 |
| LYNCH, Malcolm John | Secretary | 1993-06-21 | 2014-10-30 |
| O'CONNOR, Michael Cornelius | Secretary | 2016-03-17 | 2016-06-07 |
| SOBO-ALLEN, Femi | Secretary | 2016-06-07 | 2016-07-15 |
| M & K NOMINEE DIRECTORS LIMITED | Corporate Nominee Secretary | 1992-10-19 | 1992-10-19 |
| BEESLEY, Gordon | Director | 2004-03-30 | 2008-06-24 |
| BELL, Josh Carl | Director | 2018-06-01 | 2022-05-31 |
| BURTON, Jeremy John | Director | 1992-10-19 | 2013-07-04 |
| COATES, David Raiffe | Director | 2009-06-09 | 2019-03-31 |
| CROOKS, Bernard John | Director | 2000-06-01 | 2001-09-10 |
| FAIREY, Michael Edward | Director | 2009-06-09 | 2013-07-04 |
| FINGLETON, John Anthony | Director | 2015-03-10 | 2020-04-30 |
| FROST, Timothy James Albert | Director | 2017-07-01 | 2024-06-30 |
| GRIFFITH-JONES, John Guthrie | Director | 2019-01-07 | 2024-04-30 |
| HILL, Andrew Ratcliffe | Director | 2016-07-01 | 2022-07-01 |
| HURLSTON, Malcolm | Director | 1992-10-09 | 2010-12-20 |
| KALIA, Monica | Director | 2017-07-01 | 2022-07-22 |
| LEATHER, Susan Catherine, Dame | Director | 2014-10-14 | 2018-12-31 |
| LESLIE, Christopher Michael | Director | 2006-06-13 | 2010-12-14 |
| LEWIS, Susan Tangier | Director | 2012-07-10 | 2021-06-01 |
| MACLEOD, Kenneth Alexander | Director | 2016-07-01 | 2017-09-20 |
| MICHAEL, Alun Edward | Director | 2014-06-17 | 2018-12-31 |
| MULCAHY, Geoffrey, Sir | Director | 2008-09-25 | 2018-05-31 |
| PANDAY, Kamala | Director | 2013-07-04 | 2014-12-09 |
| PHELAN, Daniel John | Director | 2008-09-25 | 2014-06-17 |
| ROBINSON, Maureen Ann | Director | 2000-06-01 | 2008-02-04 |
| ROSS, James Douglas | Director | 1995-09-14 | 2006-06-13 |
| SANTS, Hector William Hepburn, Sir | Director | 2015-07-01 | 2018-10-02 |
| STERN, Christopher John | Director | 2016-07-01 | 2025-06-30 |
| STEVENSON OF BALMACARA, Robert Wilfrid, Lord | Director | 2010-12-14 | 2015-03-31 |
| TAVERNE, Suzanna | Director | 2009-03-11 | 2017-09-20 |
| THOMPSON, Alastair John | Director | 1993-01-21 | 1995-09-14 |
| THOMPSON, Gillian Jane | Director | 2016-01-08 | 2017-09-19 |
| THORESEN, Otto | Director | 2012-07-10 | 2016-11-08 |
| WALKER PALMOUR, Danielle Jeanine | Director | 2012-07-10 | 2015-06-09 |
| WARE, Victor Robin | Director | 1992-10-19 | 2003-12-15 |
Ownership
Persons with significant control
No PSC data extracted yet.
Filing timeline
Last 20 of 201 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2025-11-27 | CH01 | officers | change person director company with change date |
| 2025-10-14 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-03 | CH01 | officers | change person director company with change date |
| 2025-07-03 | AP01 | officers | appoint person director company with name date |
| 2025-07-03 | TM01 | officers | termination director company with name termination date |
| 2025-06-24 | AP01 | officers | appoint person director company with name date |
| 2025-06-24 | AP01 | officers | appoint person director company with name date |
| 2025-06-06 | AA | accounts | accounts with accounts type group |
| 2024-10-15 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-07-01 | TM01 | officers | termination director company with name termination date |
| 2024-06-25 | AA | accounts | accounts with accounts type group |
| 2024-05-02 | AP03 | officers | appoint person secretary company with name date |
| 2024-05-02 | TM01 | officers | termination director company with name termination date |
| 2024-03-11 | CH01 | officers | change person director company with change date |
| 2024-01-02 | AP01 | officers | appoint person director company with name date |
| 2023-10-13 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-07-04 | AP01 | officers | appoint person director company with name date |
| 2023-07-03 | AP01 | officers | appoint person director company with name date |
| 2023-07-03 | AP01 | officers | appoint person director company with name date |
| 2023-06-17 | AA | accounts | accounts with accounts type group |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.