Zest Financial Consultants Limited

Reference number: 193538

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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

Sense Network Limited Reference number: 465124 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.
  • Zest Financial Consultants Limited (FRN 193538) is an AR of Sense Network Limited (FRN 465124). When you use Zest Financial Consultants's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Zest Financial Consultants, 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 zestfinancialconsultants.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8286 3609 is
  • Who else gives the postcode SW20 8DN
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Other names (1)

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

  • Zest Financial Consultants Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense Network 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
04079825
Company status
Active
Company type
Private limited company
Incorporated
28 September 2000 (26 years old)
Registered office
Regus, Sterling House, 6-10 St Georges Road, Wimbledon, SW19 4DP, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Justin Matthew Riley Director Feb 1974 15 May 2020 None
INDIGO CORPORATE SECRETARY LIMITED Corporate secretary Not published 30 Sep 2025 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

6 months to 29 September 2025Small company accountsNot audited

Net assets

£139k

+54% from £90.2k

Cash at bank

£41.2k

−41% from £69.7k

Employees (average)

3

Same as 3

Owed within a year

£136k

−41% from £229k

Assets and liabilities

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
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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 04079825. 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

Zest Financial Consultants’s history from the FCA register and Companies House, newest first.

Key events (10) All events (15)

2025

30 September 2025

  • Justin Matthew Riley gave up control
  • Lwm Ar Holdco Limited took control (75–100% of shares)

Companies House

2022

15 March 2022

  • Changed its registered name from "Zest Financial Consultants"

FCA register

31 January 2022

  • David Eastwood stopped being a part-owner

Companies House

2019

8 June 2019

  • Jeannette Fortune Zahler stopped being a part-owner
  • Justin Matthew Riley took control (75–100% of shares)

Companies House

2016

6 April 2016

  • David Eastwood became a part-owner (25–50% of shares)
  • Jeannette Fortune Zahler became a part-owner (25–50% of shares)

Companies House

2000

28 September 2000

  • Incorporated at Companies House

Companies House

1 May 2000

  • Became an appointed representative

FCA register

In the full report: all 15 events

  • All 15 events in its history (10 shown here)
  • Every director appointment and resignation: 5
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Firms like Zest Financial Consultants

Other firms of the same type (financial adviser), nearest first.

In London

SIX Financial Information UK LimitedLondonAppointed representativeMagellan Investment Partners (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 Zest Financial Consultants

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
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Zest Financial Consultants Limited FCA authorised?
Zest Financial Consultants Limited (FRN 193538) 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 Zest Financial Consultants?
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. Zest Financial Consultants Limited (FRN 193538) is an AR of Sense Network Limited (FRN 465124). When you use Zest Financial Consultants's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Zest Financial Consultants, 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 Zest Financial Consultants’ phone number and website?
The FCA register lists the phone number 020 8286 3609 and the website zestfinancialconsultants.co.uk for Zest Financial Consultants. If you were given different contact details, use these to check with the firm before going any further.
Is Zest Financial Consultants a scam or clone?
Zest Financial Consultants 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 Zest Financial Consultants?
Protection works through Sense Network Limited, the principal firm responsible for Zest Financial Consultants's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Zest Financial Consultants?
Zest Financial Consultants is owned by Lwm Ar Holdco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 September 2025. Before that, it was controlled by Ms Jeannette Fortune Zahler, Mr David Eastwood and Mr Justin Matthew Riley.
Who runs Zest Financial Consultants?
Companies House lists one director of Zest Financial Consultants: Justin Matthew Riley.
How long has Zest Financial Consultants been in business?
The company was formed on 28 September 2000.
What do Zest Financial Consultants’ latest accounts show?
Its latest accounts, to 29 September 2025, show net assets of £139k (+54% from £90.2k) and cash at bank of £41.2k (−41% from £69.7k).
Does Zest Financial Consultants use any other names?
It has previously used the name Zest Financial Consultants.

Sources and links

The full report on Zest Financial Consultants Limited

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