Z.k. Cars Sale Ltd

Reference number: 1051855

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This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When zkcarsales.com first appeared online, and whether it can receive email
  • What kind of line 07308 662477 is
  • Who else gives the postcode DE1 2BU
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FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company status
Active
Company type
Private limited company
Incorporated
4 October 2023 (3 years old)
Registered office
Unit 8 Clarke Street, Derby, DE1 2BU, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Sale of other motor vehicles (SIC 45190)
  • Maintenance and repair of motor vehicles (SIC 45200)

Directors and company secretaries

Name Role Born Appointed Other companies
Zaneta Kussy Director Mar 1984 4 Oct 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Total equity

−£10.3k

−155% from £18.5k

Cash at bank

£14.5k

−67% from £43.7k

Employees (average)

0

Same as 0

Owed within a year

£129k

+53% from £84.2k

Total equity is negative: on its last balance sheet the company owed £10.3k more than it owned.

Total equity

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 15186796. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Z.k. Cars Sale’s history from the FCA register and Companies House, newest first.

2026

23 July 2026

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2023

4 October 2023

  • Incorporated at Companies House
  • Rafal Kussy became a part-owner (25–50% of shares)
  • Zaneta Kussy became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Z.k. Cars Sale

Other firms of the same type (car dealer), nearest first.

In Derby

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Z.k. Cars Sale

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 9 events in its history

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Frequently asked questions about this firm

Is Z.k. Cars Sale Ltd FCA authorised?
Yes, Z.k. Cars Sale Ltd (FRN 1051855) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2026 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Z.k. Cars Sale’s phone number and website?
The FCA register lists the phone number 07308 662477 and the website zkcarsales.com for Z.k. Cars Sale. If you were given different contact details, use these to check with the firm before going any further.
Is Z.k. Cars Sale a scam or clone?
Z.k. Cars Sale is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Z.k. Cars Sale?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Z.k. Cars Sale handles your money, so check the specific product before you commit. You can also refer complaints about Z.k. Cars Sale to the Financial Ombudsman Service, free of charge.
Who owns Z.k. Cars Sale?
Companies House lists 2 people with significant control of Z.k. Cars Sale: Mrs Zaneta Kussy (25–50% of shares) and Mr Rafal Kussy (25–50% of shares).
Who runs Z.k. Cars Sale?
Companies House lists one director of Z.k. Cars Sale: Zaneta Kussy.
How long has Z.k. Cars Sale been in business?
The company was formed on 4 October 2023, and has held its current FCA authorisation since July 2026.
What do Z.k. Cars Sale’s latest accounts show?
Its latest accounts, to 31 October 2025, show total equity of −£10.3k (−155% from £18.5k) and cash at bank of £14.5k (−67% from £43.7k).

Sources and links

The full report on Z.k. Cars Sale Ltd

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