Universal Credit Limited

Active01981317 Private limited company

Incorporated: 22 January 1986 (40 years)
Industry: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (64921)
Directors: Keith Graham Allen
Richard James Woodman
Owned by: Paragon Banking Group PLC
Accounts type: Full
Region: West Midlands
Address: 51 Homer Road
Solihull
B91 3QJ

Filing status

Accounts due: 30 June 2027
Last accounts: 30 September 2025
Conf. stmt due: 24 May 2027
Last conf. stmt: 10 May 2026

Officers 2 active

Officer details are public data from the Companies House register.

Allen, Keith Graham

Director · Appointed 23 September 2015

Also at Earlswood Finance Limited, Paragon Options PLC, Idem Capital Holdings Limited · more companies

British

Born July 1972 (54)

Woodman, Richard James

Director · Appointed 25 April 2014

Also at Earlswood Finance Limited, Paragon Options PLC, Idem Capital Holdings Limited · more companies

British

Born May 1965 (61)

Officer history (23 former)

3 February 2021

Resigned Shelton, Richard Dominic as Director

1 June 2020

Resigned Sharp, Pandora as Secretary

23 September 2015

Appointed Allen, Keith Graham as Director

30 June 2014

Resigned Gemmell, John Grigor as Director

30 June 2014

Appointed Sharp, Pandora as Secretary

30 June 2014

Resigned Gemmell, John Grigor as Secretary

13 May 2014

Resigned Keen, Nicholas as Director

25 April 2014

Appointed Woodman, Richard James as Director

14 May 2010

Resigned Mehmet, Adem as Director

23 August 2001

Appointed Mehmet, Adem as Director

16 March 1998

Appointed Gemmell, John Grigor as Director

16 March 1998

Appointed Shelton, Richard Dominic as Director

16 March 1998

Appointed Gemmell, John Grigor as Secretary

16 March 1998

Resigned Kilbee, Michael Peter as Director

16 March 1998

Resigned Kilbee, Michael Peter as Secretary

16 March 1998

Resigned Hook, Peter Francis as Director

16 March 1998

Appointed Keen, Nicholas as Director

16 March 1998

Resigned Harkness, James Elliot as Director

13 March 1998

Appointed Kilbee, Michael Peter as Director

30 June 1997

Resigned Ross, John Howard as Secretary

30 June 1997

Appointed Kilbee, Michael Peter as Secretary

22 January 1997

Appointed Hook, Peter Francis as Director

22 January 1997

Resigned Davies, John Lewis as Director

7 August 1996

Appointed Davies, John Lewis as Director

7 August 1996

Resigned Ingle, Patrick as Director

1 November 1995

Resigned Barford Wilks, Sarah as Secretary

1 November 1995

Appointed Ross, John Howard as Secretary

15 June 1995

Resigned Taylor, John Keith as Secretary

15 June 1995

Appointed Barford Wilks, Sarah as Secretary

12 May 1995

Resigned Dowthwaite, Roger as Director

4 July 1994

Appointed Ingle, Patrick as Director

30 June 1994

Resigned Pedelty, Mervyn Kay, Sir as Director

12 May 1994

Resigned Staples, Graham as Secretary

9 May 1994

Appointed Taylor, John Keith as Secretary

31 March 1994

Resigned Bourke, John as Director

1 March 1994

Appointed Pedelty, Mervyn Kay, Sir as Director

1 January 1994

Appointed Staples, Graham as Secretary

1 January 1994

Resigned Storey, Leonard Alan as Secretary

30 June 1992

Resigned Cooper, David Norman as Director

30 June 1992

Resigned Dawson, Timothy Michael as Director

30 June 1992

Resigned Mcsweeney, Roger Donald as Director

1 June 1992

Appointed Dowthwaite, Roger as Director

1 June 1992

Appointed Bourke, John as Director

Ownership 1 active

People and entities with significant control, from the Companies House PSC register

Paragon Banking Group PLC

Corporate entity · Notified 6 April 2016

Owns 75–100% of shares

Holds 75–100% of voting rights

Right to appoint and remove directors

Public Company Limited By Shares

Reg. no. 2336032

Group structure 40 shown

Ownership group derived from the Companies House PSC register

Paragon Banking Group PLC

Colonial Finance (UK) Limited Owns 75–100% of shares

Earlswood Finance (No. 3) Limited Owns 75–100% of shares

Paragon Mortgages (No. 12) PLC Owns 25–50% of shares

Earlswood Finance Limited Owns 75–100% of shares

Herbert (1) PLC Owns 75–100% of shares

Herbert (10) PLC Owns 25–50% of shares

Herbert (2) PLC Owns 75–100% of shares

Herbert (4) PLC Owns 75–100% of shares

Herbert (5) PLC Owns 75–100% of shares

Herbert (6) PLC Owns 75–100% of shares

Herbert (7) PLC Owns 75–100% of shares

Herbert (8) PLC Owns 75–100% of shares

Herbert (9) PLC Owns 75–100% of shares

Idem Capital Holdings Limited Owns 75–100% of shares

Idem Capital Securities Limited Owns 75–100% of shares

Moorgate Loan Servicing Limited Owns 75–100% of shares

Paragon Personal Finance Limited Owns 75–100% of shares

Redbrick Survey and Valuation Limited Owns 75–100% of shares

Moorgate Asset Administration Limited Owns 75–100% of shares

Paragon Bank PLC Owns 75–100% of shares

Mortgage Trust Limited Owns 75–100% of shares

Mortgage Trust Services PLC Owns 75–100% of shares

MTL Residential Limited Owns 75–100% of shares

Paragon Asset Finance Limited Owns 75–100% of shares

Lease Portfolio Management Limited Owns 75–100% of shares

Paragon Business Finance PLC Owns 75–100% of shares

Paragon Commercial Finance Limited Owns 75–100% of shares

Paragon Technology Finance Limited Owns 75–100% of shares

Premier Asset Finance Limited Owns 75–100% of shares

Paragon Covered Bonds LLP Right to 75–100% of surplus assets (as a firm)

Paragon Development Finance Limited Owns 75–100% of shares

Paragon Development Finance Services Limited Owns 75–100% of shares

Paragon Finance PLC Owns 75–100% of shares

Paragon Mortgages (2010) Limited Owns 75–100% of shares

Paragon Mortgages Limited Owns 75–100% of shares

Paragon Options PLC Owns 75–100% of shares

Paragon Second Funding Limited DissolvedOwns 75–100% of shares

Pbaf Acquisitions Limited Owns 75–100% of shares

Universal Credit Limited This company Owns 75–100% of shares

And 14 more

Filings 181

Date	Description	Made Up To
11 May 2026	Confirmation statement with no updates	10 May 2026
10 March 2026	Full accounts	30 September 2025
21 December 2025	Memorandum and Articles of Association
21 December 2025	Resolutions
13 May 2025	Confirmation statement with no updates	10 May 2025