Zest Vehicle Leasing Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 6 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2019
Accounts filed up to 31 January 2025

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.

Website

zestmotorfinance.co.uk (opens in a new tab)
Phone number

0333 051 0153
Address

Delta Bank Road, Metro Riverside Park, Gateshead, GATESHEAD, NE11 9DJ, United Kingdom

In the full report: 3 background checks

When zestmotorfinance.co.uk first appeared online, and whether it can receive email
What kind of line 0333 051 0153 is
Who else gives the postcode NE11 9DJ

Other names (14)

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

Future Car Credit Trading name: A name it trades under now.
leasoo Trading name: A name it trades under now.
leasoo.co.uk Trading name: A name it trades under now.
Zest Leasing Trading name: A name it trades under now.
zest leasing.co.uk Trading name: A name it trades under now.
Zest Motor Finance Trading name: A name it trades under now.
zestmotorfinance.co.uk Trading name: A name it trades under now.
Zest Taxi Finance Trading name: A name it trades under now.
zesttaxifinance.co.uk Trading name: A name it trades under now.
carloans365 Former trading name: A name it used to trade under.
carloans365.co.uk Former trading name: A name it used to trade under.
Forward Motor Finance Former trading name: A name it used to trade under.
Zest4cars Former trading name: A name it used to trade under.
Zest4Funding Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Lend or arrange credit · Hire out goods to consumers No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (5 permissions)

Credit Broking
Debt Adjusting
Debt-counselling
Entering into Regulated Consumer Hire Agreements as owner
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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: 12116601 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 23 July 2019 (7 years old)
Registered office: 7-8 Delta Bank Road, Metro Riverside Park, Gateshead, NE11 9DJ, United Kingdom
Nature of business: Renting and leasing of cars and light motor vehicles (SIC 77110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael James Taylor	Director	Apr 1973	23 Jul 2019	3 other companies
Paul Gerard Mcgettrick	Director	Mar 1980	3 Apr 2023	3 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: 5
closed down: 2
run together: 1

In the full report: all 5 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 1 company these 2 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

18 months to 31 January 2025Small company accountsNot audited

Net assets

£53.0k

−83% from £319k

Cash at bank

£38.0k

−85% from £246k

Employees (average)

3

+50% from 2

Owed within a year

£86.2k

+53% from £56.4k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2021 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 12116601. 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 Vehicle Leasing’s history from the FCA register and Companies House, newest first.

Key events (5) All events (34)

2023

29 March 2023

Kevin Bann became a part-owner (25–50% of shares)

Companies House

2020

27 April 2020

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2019

23 July 2019

Incorporated at Companies House
Michael James Taylor became a part-owner (25–50% of shares)

Companies House

In the full report: all 34 events

All 34 events in its history (5 shown here)
Every director appointment and resignation: 6

Firms like Zest Vehicle Leasing

Other firms of the same type (car leasing or hire), nearest first.

In the Newcastle (NE) postcode area

Wma Vehicle Hire and Sales LimitedBedlingtonAuthorised Automotive Group (Newcastle Upon Tyne) LimitedNewcastle Upon TyneAuthorised Cramlington Garages LimitedCramlingtonAuthorised Phoenix Taxis (North East) LimitedBlythAuthorised Premier Truck Hire LimitedBlaydon-On-TyneAuthorised Reflex Vehicle Hire LimitedNewcastle upon TyneAuthorised

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 Vehicle Leasing

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

5 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 34 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Zest Vehicle Leasing Ltd FCA authorised?

Yes, Zest Vehicle Leasing Ltd (FRN 920621) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2020 and works as a car leasing or hire. The FCA has placed no limits on its permissions.

What is Zest Vehicle Leasing’s phone number and website?

The FCA register lists the phone number 0333 051 0153 and the website zestmotorfinance.co.uk for Zest Vehicle Leasing. If you were given different contact details, use these to check with the firm before going any further.

Is Zest Vehicle Leasing a scam or clone?

Zest Vehicle Leasing 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 Vehicle Leasing?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Zest Vehicle Leasing handles your money, so check the specific product before you commit. You can also refer complaints about Zest Vehicle Leasing to the Financial Ombudsman Service, free of charge.

Who owns Zest Vehicle Leasing?

Companies House lists 2 people with significant control of Zest Vehicle Leasing: Mr Kevin Bann (25–50% of shares) and Mr Michael James Taylor (25–50% of shares).

Who runs Zest Vehicle Leasing?

Companies House lists 2 directors of Zest Vehicle Leasing: Michael James Taylor and Paul Gerard McGettrick.

How long has Zest Vehicle Leasing been in business?

The company was formed on 23 July 2019, and has held its current FCA authorisation since April 2020.

What do Zest Vehicle Leasing’s latest accounts show?

Its latest accounts, to 31 January 2025, show net assets of £53.0k (−83% from £319k) and cash at bank of £38.0k (−85% from £246k).

Does Zest Vehicle Leasing use any other names?

It trades as Future Car Credit, leasoo, leasoo.co.uk, Zest Leasing and zest leasing.co.uk, and 4 more names. It has previously used 5 other names, including carloans365, carloans365.co.uk and Forward Motor Finance.