Zilch Technology Limited

Reference number: 843421

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Authorised by the FCA

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

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 zilch.com first appeared online, and whether it can receive email
  • What kind of line 020 3103 0266 is
  • Who else gives the postcode SW1W 0SR
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Other names (1)

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

  • Zilch Trading name

FCA permissions and consumer protection

  • Lend or arrange credit 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 (3 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Providing Credit Information Services

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
114
upheld, against a 31% median
42%
about banking and credit
114

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number
11488502
Company status
Active
Company type
Private limited company
Incorporated
27 July 2018 (8 years old)
Registered office
111 Buckingham Palace Road, London, SW1W 0SR, England
Nature of business
  • Data processing, hosting and related activities (SIC 63110)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Marc Belamant Director Nov 1984 27 Jul 2018 4 other companies
Serge Belamant Director Sep 1953 20 Oct 2021 1 other company
Pavel Chernyshov Director Dec 1981 20 Oct 2021 1 other company
Sean O'Connor Director Jun 1980 28 Jun 2022 2 other companies

Other companies run by these 4 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
4
run together
1

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
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Filed accounts and finances

Year to 31 March 2020Micro-entity accountsNot audited

Net assets

−£3.27m

No earlier figure to compare

Employees (average)

10

No earlier figure to compare

Owed within a year

£2.88m

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £3.27m more than it owned.

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 11488502. 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

Zilch Technology’s history from the FCA register and Companies House, newest first.

Key events (10) All events (17)

2024

3 April 2024

  • Philip Marc Belamant no longer has significant control
  • Zilch Holdings Limited took control (75–100% of shares)

Companies House

2021

25 June 2021

  • Michael Edward Solomon no longer has significant control
  • Philip Marc Belamant gained significant control

Companies House

2020

22 September 2020

  • Michael Edward Solomon gained significant control
  • Philip Marc Belamant gave up control

Companies House

6 April 2020

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

FCA register

2018

27 July 2018

  • Incorporated at Companies House
  • Philip Marc Belamant took control (75–100% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (10 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Zilch Technology

Other FCA-listed firms that share a director, phone number or address with Zilch Technology. 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
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Firms like Zilch Technology

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

In London

Clydesdale Financial Services LimitedLondonAuthorisedSaga Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorised

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 Zilch Technology

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
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Zilch Technology Limited FCA authorised?
Yes, Zilch Technology Limited (FRN 843421) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2020 and works as a lender. The FCA has placed no limits on its permissions.
What is Zilch Technology’s phone number and website?
The FCA register lists the phone number 020 3103 0266 and the website zilch.com/uk for Zilch Technology. If you were given different contact details, use these to check with the firm before going any further.
Is Zilch Technology a scam or clone?
Zilch Technology 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 Zilch Technology?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Zilch Technology handles your money, so check the specific product before you commit. You can also refer complaints about Zilch Technology to the Financial Ombudsman Service, free of charge.
Who owns Zilch Technology?
Zilch Technology is owned by Zilch Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 3 April 2024. Before that, it was controlled by Mr Philip Marc Belamant and Mr Michael Edward Solomon.
Who runs Zilch Technology?
Companies House lists 4 directors of Zilch Technology: Philip Marc Belamant, Serge Belamant, Pavel Chernyshov and Sean O'Connor.
How long has Zilch Technology been in business?
The company was formed on 27 July 2018, and has held its current FCA authorisation since April 2020.
What do Zilch Technology’s latest accounts show?
Its latest accounts, to 31 March 2020, show net assets of −£3.27m (no earlier figure to compare).
How many complaints does Zilch Technology get?
In January–June 2025, the Financial Ombudsman Service received 114 new complaints about Zilch Technology, and upheld 42% of those it decided.
Does Zilch Technology use any other names?
It trades as Zilch.

Sources and links

The full report on Zilch Technology Limited

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