Zumo Financial Services Limited

Reference number: 901033

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is how cryptoasset firms are registered. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no compensation to fall back on. The FCA's own position is that crypto is largely unregulated in the UK and that compensation for crypto losses is highly unlikely.

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 zumo.tech first appeared online, and whether it can receive email
  • What kind of line 07932 440654 is
  • Who else gives the postcode EH6 6RS
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Other names (3)

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

  • Zumo Trading name
  • Zumo Enterprise Trading name
  • Zumo Money Trading name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service generally does not cover unregulated cryptoasset activity.

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
SC583644
Company status
Active
Company type
Private limited company
Incorporated
12 December 2017 (8 years old)
Registered office
Suite 2, Ground Floor Orchard Brae House, 30 Queensferry Road, Edinburgh, EH4 2HS, United Kingdom
Nature of business
  • Other software publishing (SIC 58290)
  • Other information technology service activities (SIC 62090)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Roach Director Apr 1976 12 Dec 2017 2 other companies
Nicholas Stewart Jones Director Mar 1976 6 Apr 2018 9 other companies
MBM SECRETARIAL SERVICES LIMITED Corporate secretary Not published 12 Dec 2017 –

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
11
closed down
5
went insolvent
1

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£16.1m

Down £4.45m from −£11.6m

Cash at bank

£95.6k

−82% from £533k

Employees (average)

39

+2.6% from 38

Net assets are negative: on its last balance sheet the company owed £16.1m more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 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 SC583644. 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

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

Key events (8) All events (17)

2021

10 December 2021

  • Registered with the FCA

FCA register

22 November 2021

  • Blockstar Holdings Limited took control (75–100% of shares)
  • Paul Roach stopped being a part-owner

Companies House

2019

1 October 2019

  • Regulated by the FCA from this date

FCA register

2018

29 June 2018

  • Nicholas Stewart Jones stopped being a part-owner

Companies House

7 March 2018

  • Nicholas Stewart Jones became a part-owner (25–50% of shares)

Companies House

2017

12 December 2017

  • Incorporated at Companies House
  • Paul Roach became a part-owner (25–50% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Zumo Financial Services

Other FCA-listed firms that share a director, phone number or address with Zumo Financial Services. 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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Get the full report on Zumo Financial Services

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • 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 Zumo Financial Services Limited FCA authorised?
Zumo Financial Services Limited (FRN 901033) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Zumo Financial Services’ phone number and website?
The FCA register lists the phone number 07932 440654 and the website zumo.tech for Zumo Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Zumo Financial Services a scam or clone?
Zumo Financial Services is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Zumo Financial Services?
Money you hand to Zumo Financial Services is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Zumo Financial Services?
Zumo Financial Services is owned by Blockstar Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 22 November 2021. Before that, it was controlled by Mr Nicholas Stewart Jones and Mr Paul Roach.
Who runs Zumo Financial Services?
Companies House lists 2 directors of Zumo Financial Services: Paul Roach and Nicholas Stewart Jones.
How long has Zumo Financial Services been in business?
The company was formed on 12 December 2017.
What do Zumo Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£16.1m (down £4.45m from −£11.6m) and cash at bank of £95.6k (−82% from £533k).
Does Zumo Financial Services use any other names?
It trades as Zumo, Zumo Enterprise and Zumo Money.

Sources and links

The full report on Zumo Financial Services Limited

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