Zone Financial Services Limited

Reference number: 718564

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Authorised by the FCA

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

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, 1 thing worth a closer look

  • When zonecommercial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07882 416886 is
  • Who else gives the postcode OL4 4HP
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Other names (2)

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

  • zone commercial Trading name
  • Zone Commercial Finance 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)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
06247426
Company status
Active
Company type
Private limited company
Incorporated
15 May 2007 (19 years old)
Registered office
5 Sharon Avenue, Grasscroft, Oldham, OL4 4HP, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil Emmott Director Jul 1970 17 May 2007 3 other companies
Zoe Charlotte Emmott Secretary Not published 17 May 2007 –

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
3
closed down
2
still active
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£335k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£28.6k

−30% from £41.0k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 06247426. 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

Zone Financial Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2020

1 May 2020

  • Zoe Charlotte Emmott took control (75–100% of shares)

Companies House

2016

15 December 2016

  • Neil Emmott took control (75–100% of shares)

Companies House

10 February 2016

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

FCA register

2007

15 May 2007

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like Zone Financial Services

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

In Oldham

Go Leasing Ltd.OldhamAuthorisedWaqar BashirOldhamAuthorisedMichael SheffieldOldhamAppointed representativeVenda Valet limitedOldhamAuthorisedBrs Fire & Security LtdOldhamAppointed representativeNorthwest Reformer Pilates LtdOldhamAppointed 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 Zone Financial Services

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Zone Financial Services Limited FCA authorised?
Yes, Zone Financial Services Limited (FRN 718564) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Zone Financial Services’ phone number and website?
The FCA register lists the phone number 07882 416886 and the website zonecommercial.co.uk for Zone Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Zone Financial Services a scam or clone?
Zone Financial Services 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 Zone Financial Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Zone Financial Services handles your money, so check the specific product before you commit. You can also refer complaints about Zone Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Zone Financial Services?
Companies House lists 2 people with significant control of Zone Financial Services: Mrs Zoe Charlotte Emmott (75–100% of shares) and Mr Neil Emmott (75–100% of shares).
Who runs Zone Financial Services?
Companies House lists one director of Zone Financial Services: Neil Emmott.
How long has Zone Financial Services been in business?
The company was formed on 15 May 2007, and has held its current FCA authorisation since February 2016.
What do Zone Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £335k (no earlier figure to compare).
Does Zone Financial Services use any other names?
It trades as zone commercial and Zone Commercial Finance.

Sources and links

The full report on Zone Financial Services Limited

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