Website & contact details
- Website
Ardent Credit Services Limited
- Incorporated
- 10 March 2003 (23 years)
- Previously known as
- Commercial Credit Management Limited (until 27 September 2012)
- Industry
- Financial intermediation not elsewhere classified (64999)
- Directors
- Adam Scott CohenHoward Alan Enders
- Accounts type
- Full
- Region
- North West
- Address
- 1st Floor Enterprise House Moorgate PointMoorgate RoadKnowsley Industrial ParkMerseysideL33 7XW
Filing status
- Accounts due
- 30 September 2027
- Last accounts
- 31 December 2025
- Conf. stmt due
- 24 March 2027
- Last conf. stmt
- 10 March 2026
Charges
- Total
- 3
- Outstanding
- 0
- Part satisfied
- 0
- Satisfied
- 3
Officers 5 active
Officer details are public data from the Companies House register.
Director · Appointed 19 April 2023
British
Born July 1974 (52)
Cohen, Adam Scott
Director · Appointed 19 April 2023
American
Born May 1971 (55)
Enders, Howard Alan
Director · Appointed 19 April 2023
American
Born September 1971 (55)
Phillips, Matthew Mark
Director · Appointed 19 April 2023
American
Born January 1970 (56)
Ricketts, John Norman
Director · Appointed 1 June 2017
British
Born July 1961 (65)
Officer history (4 former)
19 April 2023
Resigned Murray, Steven Frederick as Director
19 April 2023
Appointed Cohen, Adam Scott as Director
19 April 2023
Appointed Enders, Howard Alan as Director
19 April 2023
Appointed Phillips, Matthew Mark as Director
19 April 2023
19 April 2023
Resigned Murray, Julie as Secretary
1 June 2017
Appointed Ricketts, John Norman as Director
17 June 2015
Appointed Murray, Steven Frederick as Director
17 June 2015
Resigned Murray, Stephen Frederick as Director
27 March 2007
Appointed Murray, Julie as Secretary
26 March 2007
Resigned Hannah, Scott James as Secretary
10 March 2003
Appointed Hannah, Scott James as Secretary
10 March 2003
Appointed Murray, Stephen Frederick as Director
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 19 April 2023
Owns 75–100% of shares
Holds 75–100% of voting rights
Right to appoint and remove directors
Private Limited Company
Reg. no. 05284353
Former controllers (2)
19 April 2023
Ceased Julie Murray — Owns 25–50% of shares
19 April 2023
Ceased Steven Frederick Murray — Owns 50–75% of shares
Group structure 6 companies
Ownership group derived from the Companies House PSC register
Pca Acquisitions (UK) Limited Owns 75–100% of shares
Phillips & Cohen Associates (UK) Limited Owns 75–100% of shares
Ardent Credit Services Limited This company Owns 75–100% of shares
Estate Resolution Technologies (UK) Ltd Owns 75–100% of shares
Kind Call Ltd Owns 75–100% of shares
Financials
Figures from 2022 accounts. Newer accounts, made up to 31 December 2025, are filed but not read yet. See them on Companies House
- Net Assets
- £4,627,363
- up £1,390,582 (43%)
- Cash
- £5,277,703
- up £1,054,231 (25%)
- Employees
- 84
- up 2 (2%)
- Debt Ratio
- 23%
- Current Ratio
- 4.4x
Trend
Net Assets
Balance sheet detail
| 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|
| Fixed Assets | £92,010 | £128,191 | £88,837 | £44,151 |
| Current Assets | £5,879,446 | £4,778,909 | £3,165,840 | £2,235,018 |
| Debtors | £601,743 | £555,437 | £499,820 | £570,000 |
| Cash | £5,277,703 | £4,223,472 | £2,666,020 | £1,665,018 |
| Creditors (< 1 year) | £1,321,432 | £1,157,811 | £1,178,177 | £1,002,543 |
| Creditors (> 1 year) | £480,877 | £6,104 | ||
| Net Current Assets | £4,558,014 | £3,621,098 | £1,987,663 | £1,232,475 |
| Net Assets | £4,627,363 | £3,236,781 | £2,053,576 | £1,267,299 |
| Shareholder Funds | £4,627,363 | £3,236,781 | £2,053,576 | £1,267,299 |
Filings 101
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 23 September 2026 | Full accounts | 31 December 2025 | ||
| 25 June 2026 | Satisfaction of a charge in full | |||
| 24 June 2026 | Satisfaction of a charge in full | |||
| 20 March 2026 | Confirmation statement with no updates | 10 March 2026 | ||
| 2 October 2025 | Amended full accounts | 31 December 2024 |
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