Zest Midwives Limited

Reference number: 1007689

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

NOVA RISK SOLUTIONS LIMITED Reference number: 307562 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Zest Midwives Limited (FRN 1007689) introduces customers to NOVA RISK SOLUTIONS LIMITED (FRN 307562). Any regulated advice or arranging is done by the principal, not Zest Midwives.
  • Example: if Zest Midwives refers you to a financial adviser, the advice should come from the principal firm, not from Zest Midwives itself.
  • 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 zest-midwives.co.uk first appeared online, and whether it can receive email
  • What kind of line 07852 436175 is
  • Who else gives the postcode CH48 4DP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Nova Risk Solutions 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
14998811
Company status
Active
Company type
Private limited company
Incorporated
12 July 2023 (3 years old)
Registered office
33 Thingwall Road, Irby, Wirral, CH61 3UE, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)
  • Other human health activities (SIC 86900)
  • Activities of professional membership organisations (SIC 94120)

Directors and company secretaries

Name Role Born Appointed Other companies
Katherine Elizabeth Stephenson Director Jun 1964 12 Jul 2023 2 other companies
Tracy Jane Thomas Director Jan 1971 12 Jul 2023 2 other companies

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
2
closed down
1
run together
2

In the full report: all 2 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 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

−£23.6k

Down £11.7k from −£11.9k

Cash at bank

£95

Down £508 from £603

Employees (average)

3

Same as 3

Net assets are negative: on its last balance sheet the company owed £23.6k more than it owned.

Assets and liabilities

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 14998811. 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 Midwives’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2024

12 November 2024

  • Vivienne Patricia Charnley stopped being a part-owner

Companies House

23 February 2024

  • Became an introducer appointed representative

FCA register

2023

12 July 2023

  • Incorporated at Companies House
  • Katherine Elizabeth Stephenson became a part-owner (25–50% of shares)
  • Tracy Jane Thomas became a part-owner (25–50% of shares)
  • Vivienne Patricia Charnley became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms like Zest Midwives

Other firms of the same type (dental or medical practice), nearest first.

In Wirral

Primo Moreton LimitedWirralAppointed representativeRLDP LimitedWirralAppointed representativeSs Consultants (N.w.) LtdWirralAppointed representativeWhite House Dental Practice Wirral LtdWirralAppointed representativeWirral Refresh Aesthetics LimitedWirralAppointed representativeUpton Dental Practice LimitedWirralAuthorised

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 Midwives

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is Zest Midwives Limited FCA authorised?
Zest Midwives Limited (FRN 1007689) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Zest Midwives?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Zest Midwives Limited (FRN 1007689) introduces customers to NOVA RISK SOLUTIONS LIMITED (FRN 307562). Any regulated advice or arranging is done by the principal, not Zest Midwives. Example: if Zest Midwives refers you to a financial adviser, the advice should come from the principal firm, not from Zest Midwives itself. 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 Midwives’ phone number and website?
The FCA register lists the phone number 07852 436175 and the website zest-midwives.co.uk for Zest Midwives. If you were given different contact details, use these to check with the firm before going any further.
Is Zest Midwives a scam or clone?
Zest Midwives 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 Midwives?
Protection works through Nova Risk Solutions Limited, the principal firm responsible for Zest Midwives's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Zest Midwives?
Companies House lists 2 people with significant control of Zest Midwives: Mrs Tracy Jane Thomas (25–50% of shares) and Ms Katherine Elizabeth Stephenson (25–50% of shares). Before that, it was controlled by Mrs Vivienne Patricia Charnley.
Who runs Zest Midwives?
Companies House lists 2 directors of Zest Midwives: Katherine Elizabeth Stephenson and Tracy Jane Thomas.
How long has Zest Midwives been in business?
The company was formed on 12 July 2023.
What do Zest Midwives’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of −£23.6k (down £11.7k from −£11.9k) and cash at bank of £95 (down £508 from £603).

Sources and links

The full report on Zest Midwives Limited

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