Zenco Legal Limited

Reference number: 1019213

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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.

Responsible principal firm

ADSOFT LIMITED Reference number: 1030695 Authorised 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.
  • Zenco Legal Limited (FRN 1019213) is an AR of ADSOFT LIMITED (FRN 1030695). When you use Zenco Legal's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Zenco Legal, 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.

In the full report: 3 background checks

  • When zenco.com first appeared online, and whether it can receive email
  • What kind of line 07889 004526 is
  • Who else gives the postcode LE1 3DL
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • SaveMoneyMarket Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Adsoft 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, free
    You 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.

Companies House record

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

Company number
08891385
Company status
Active
Company type
Private limited company
Incorporated
12 February 2014 (12 years old)
Registered office
64 Mansfield Street, Leicester, LE1 3DL, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
David Andrew Haycock Director Oct 1979 12 Feb 2014 22 other companies
Finn Kay Director Jun 1982 16 May 2024 1 other company

Other companies run by these 2 directors

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
23
closed down
15
are FCA-registered
2

In the full report: all 23 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£4,334

Up £89.6k from −£93.9k

Cash at bank

£139k

+257% from £38.9k

Employees (average)

17

−23% from 22

Owed within a year

£246k

+29% from £190k

Net assets are negative: on its last balance sheet the company owed £4,334 more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 08891385. 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

Zenco Legal’s history from the FCA register and Companies House, newest first.

Key events (9) All events (16)

2024

8 October 2024

  • Became an appointed representative

FCA register

2021

20 September 2021

  • Add Group Holdings Limited gave up control
  • Zen Social Limited took control (75–100% of shares)

Companies House

1 May 2021

  • Add Group Holdings Limited took control (75–100% of shares)
  • Zen Group Holdings Limited gave up control

Companies House

2020

1 April 2020

  • David Andrew Haycock gave up control
  • Zen Group Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • David Andrew Haycock took control (75–100% of shares)

Companies House

2014

12 February 2014

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (9 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Zenco Legal

Other FCA-listed firms that share a director, phone number or address with Zenco Legal. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Zenco Legal

Other firms of the same type (insurance broker), nearest first.

In Leicester

Albany Insurance Brokers LimitedLeicesterAppointed representativeAncasure LtdLeicesterAppointed representativeAsttor LimitedLeicesterAppointed representativeBespoke Benefit Solutions LimitedLeicesterAppointed representativeBradcaster Insurance Brokers LtdLeicesterAppointed representativeBrokerbility Information Gateway LtdLeicesterAppointed representative

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 Zenco Legal

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

  • 23 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Zenco Legal Limited FCA authorised?
Zenco Legal Limited (FRN 1019213) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Zenco Legal?
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. Zenco Legal Limited (FRN 1019213) is an AR of ADSOFT LIMITED (FRN 1030695). When you use Zenco Legal's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Zenco Legal, 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.
What is Zenco Legal’s phone number and website?
The FCA register lists the phone number 07889 004526 and the website zenco.com for Zenco Legal. If you were given different contact details, use these to check with the firm before going any further.
Is Zenco Legal a scam or clone?
Zenco Legal 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 Zenco Legal?
Protection works through Adsoft Limited, the principal firm responsible for Zenco Legal's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Zenco Legal?
Zenco Legal is owned by Zen Social Limited, which holds 75–100% of shares and 75–100% of votes, since 20 September 2021. Before that, it was controlled by Add Group Holdings Limited, Zen Group Holdings Limited and Mr David Andrew Haycock.
Who runs Zenco Legal?
Companies House lists 2 directors of Zenco Legal: David Andrew Haycock and Finn Kay.
How long has Zenco Legal been in business?
The company was formed on 12 February 2014.
What do Zenco Legal’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£4,334 (up £89.6k from −£93.9k) and cash at bank of £139k (+257% from £38.9k).
Does Zenco Legal use any other names?
It trades as SaveMoneyMarket.

Sources and links

The full report on Zenco Legal Limited

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