Zen Financial Limited
Reference number: 773613
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Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 30 June 2025
Responsible principal firm
KEYSTONE FINANCIAL LIMITED Reference number: 501917 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Zen Financial Limited (FRN 773613) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Zen Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Zen Financial, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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Phone number
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Address
First Floor, Swan Buildings, 20 Swan St, Manchester, M4 5JW, United Kingdom
In the full report: 3 background checks
- When zenfinancial.net first appeared online, and whether it can receive email
- What kind of line 01270 567709 is
- Who else gives the postcode M4 5JW
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake email addresses (1)
- info@zencap.net
Fake websites (1)
- zencap.net
The FCA warning these came from
- Zencap / Zencap.net 18 February 2025
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Keystone Financial Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 09663856 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 June 2015 (11 years old)
- Registered office
- 20 First Floor, Swan Building, 20 Swan Street, Manchester, M4 5JW, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael William Pendergast | Director | Jul 1967 | 30 Jun 2015 | 4 other companies |
Other companies run by its director
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 4
- closed down
- 3
- still active
- 1
In the full report: all 4 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£3,739
Up £2,855 from £884
Cash at bank
£3,739
Up £2,855 from £884
Employees (average)
0
Same as 0
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 09663856. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Zen Financial’s history from the FCA register and Companies House, newest first.
2025
18 February 2025
- FCA warned the public about a scam impersonating this firm
FCA warning list
2017
9 March 2017
- Became an appointed representative
FCA register
2016
30 June 2016
- Michael William Pendergast took control (75–100% of shares)
Companies House
2015
30 June 2015
- Incorporated at Companies House
- Michael William Pendergast appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Zen Financial
Other firms of the same type (financial adviser), nearest first.
In Manchester
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 Zen Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 5 events in its history
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Frequently asked questions about this firm
Is Zen Financial Limited FCA authorised?
What does appointed representative mean for Zen Financial?
What is Zen Financial’s phone number and website?
Is Zen Financial a scam or clone?
Is my money safe with Zen Financial?
Who owns Zen Financial?
Who runs Zen Financial?
How long has Zen Financial been in business?
What do Zen Financial’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: Zencap / Zencap.net fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk