Zest Money Group Ltd
Reference number: 1004524
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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 3 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £170k more than it owned
Responsible principal firm
New Leaf Distribution Limited Reference number: 460421 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 Money Group Ltd (FRN 1004524) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Zest Money Group's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Zest Money Group, 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
Unit 11, Ducketts Wharf, South Street, Bishop's Stortford, Hertfordshire, CM23 3AR, United Kingdom
In the full report: 3 background checks
- When zestmoneygroup.co.uk first appeared online, and whether it can receive email
- What kind of line 01206 803494 is
- Who else gives the postcode CM23 3AR
Other names (3)
If you were contacted under any of these names, it is this firm.
- Kendan Group Trading name: A name it trades under now.
- Oakheart Property Trading name: A name it trades under now.
- Zest Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through New Leaf Distribution 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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 14110935 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 May 2022 (4 years old)
- Registered office
- 11 Ducketts Wharf, Bishop's Stortford, Hertfordshire, CM23 3AR, 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 |
|---|---|---|---|---|
| Daniel Kenneth Mitchell | Director | Jun 1987 | 17 May 2022 | 10 other companies |
| Daniel Kenneth Mitchell | Secretary | Not published | 26 Feb 2024 | – |
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
- 10
- closed down
- 1
- went insolvent
- 1
In the full report: all 10 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The one that went into liquidation or administration
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£170k
No earlier figure to compare
Employees (average)
3
Same as 3
Owed within a year
£175k
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £170k 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 14110935. 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 Money Group’s history from the FCA register and Companies House, newest first.
2026
1 January 2026
- Kendan Group Ltd gave up control
- Mitchell Group Holdings Ltd took control (75–100% of shares)
Companies House
2023
17 October 2023
- Became an appointed representative
FCA register
2022
22 May 2022
- Daniel Kenneth Mitchell no longer has significant control
- Mitchell Family Holdings Ltd gave up control
Companies House
17 May 2022
- Incorporated at Companies House
- Daniel Kenneth Mitchell gained significant control
- Kendan Group Ltd took control (75–100% of shares)
- Mitchell Family Holdings Ltd took control (75–100% of shares)
Companies House
In the full report: all 15 events
- All 15 events in its history (9 shown here)
- Every director appointment and resignation: 3
Firms connected to Zest Money Group
Other FCA-listed firms that share a director, phone number or address with Zest Money Group. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Zest Money Group
Other firms of the same type (pension transfer adviser), nearest first.
In the Chelmsford (CM) postcode area
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 Money Group
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 10 other companies its directors have run, named
- 3 background checks on its contact details
- All 15 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Zest Money Group’s latest accounts show?
Does Zest Money Group use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk