Hilco is seeking offers to acquire the intellectual property and tangible assets of Zavfit Limited (“ZavFit” or the “Company”) on behalf of the Proposed Liquidator of the Company, Jeremy Karr of Begbies Traynor (Central) LLP.
Founded in 2017, ZavFit has been at the forefront of innovation in financial wellbeing, creating a pioneering health-focused money app that redefines how individuals interact with and experience their finances. Driven by a mission to reframe financial stress as a health issue, the Company developed a wellness app to combine Open Banking, behavioural science, and AI to address the emotional and psychological dimensions of money.
At the heart of ZavFit’s innovation is its belief that financial health is an integral part of mental and physical wellbeing. Unlike traditional budgeting or finance apps that focus on spreadsheets, targets, or debt management, ZavFit empowers users to understand the emotional consequences of spending and to make money decisions that improve happiness and reduce guilt, anxiety, and stress.
ZavFit’s science-backed platform includes proprietary features such as its “Happiness Per Pound” metric, emotional journaling tools, and behavioural nudges grounded in psychological research. Through live market pilots and structured trials, ZavFit demonstrated significant improvements in user wellbeing, with participants reporting a 38% increase in happiness within two weeks of use.
ZavFit’s technology and approach have been validated in partnerships with financial institutions, wellness providers, and organisations such as the Professional Cricketers’ Association. The Company operates a B2B2C model, selling into employers, health platforms, and retail banks that wish to offer a new kind of financial wellbeing tool, one that goes beyond traditional finance management and aligns with broader mental health and ESG agendas.
This acquisition presents an opportunity to acquire a proven, science-led platform uniquely positioned at the convergence of FinTech and digital health, with scalable application in consumer wellness, financial services, and employee benefits.
The Zavfit Brand
ZavFit has established itself as a pioneering and purpose-driven brand at the forefront of the emerging financial wellbeing space. Known for its unique blend of behavioural science, emotional health insight and innnovative technology, ZavFit represents a new approach to health technology that tackles money stress as a public health challenge rather than a budgeting problem.
ZavFit’s evidence-led positioning and strong mission have helped to define a fresh narrative around mental health and personal finance. High-profile collaborations, including a wellbeing initiative with the Professional Cricketers’ Association, have validated the brand’s relevance and impact in professional and high-performance environments. ZavFit’s app has also been piloted by leading UK banks and wellbeing providers as part of their health and inclusion strategies, showcasing its potential to drive change in both consumer and enterprise settings.
The ZavFit brand has been recognised in industry commentary for reframing the way we think about spending, happiness, and emotional health. With a growing interest in preventative health tools and ESG-aligned mental wellness interventions, ZavFit is well-positioned as a credible and scalable brand in the digital health landscape.
Trade Marks
The Company holds four registered trade marks covering the “ZavFit” brand name and associated assets, including protection for the distinctive tagline “Happiness Per Pound”. These registrations provide coverage across relevant classes for wellness services, digital applications, financial tools, and health-related software.
Full details on the Company’s trade marks are available via a virtual data room.
Technology & Apps
ZavFit’s technology represents an advancement in the way individuals engage with their money, fusing behavioural science, artificial intelligence, and real-time financial data into a cohesive platform that treats money stress as a health issue. At the core of ZavFit’s innovation is its proprietary algorithmic engine that translates everyday spending into emotional wellbeing insights, helping users understand how their purchases make them feel and guiding them toward healthier financial behaviours.
Unlike conventional finance apps that focus solely on budgets, debt, or savings goals, ZavFit’s platform improves mental wellbeing by showing users the emotional impact of each transaction. Its distinctive tools, including the MoneyMoods journaling feature and the Happiness Per Pound metric, provide users with an emotionally intelligent lens on their financial habits. Combined with personalised nudges, AI-generated tips, and science-based coaching, ZavFit’s solution delivers a highly customised and supportive experience.
ZavFit’s solution is built on a scalable and secure infrastructure with full iOS and Android deployment, supported by Open Banking APIs (via TrueLayer) and enterprise-ready authentication (via AzureAD B2C). Its architecture includes detailed system blueprints, data flow diagrams, and robust encryption protocols that ensure seamless and compliant integration for B2B partners such as banks, insurers, and corporate wellness providers.
A standout feature of ZavFit’s offering is its ability to merge anonymised financial behaviour with psychological science to generate real-time emotional analytics. Allowing for dynamic intervention, adjusting content and coaching strategies based on user mood patterns, spending triggers, and life events. ZavFit’s technology is suitable for both consumer and institutional use, particularly in preventative health, employee benefits, and financial inclusion contexts.
Acquiring ZavFit’s technology provides a unique opportunity to take ownership of a proven, wellness-driven financial solution with a full supporting tech stack.
Organisational Knowledge & Know-How
The Company holds a comprehensive and well-documented repository of organisational knowledge and technical know-how that underpins the development, delivery, and commercial application of its innovative financial wellbeing technology. Including detailed internal documentation covering product architecture, behavioural frameworks, development processes, and client integration protocols.
Domain Name & Website Content
The primary zavfit.com domain name is available to acquire.
The Company owns the copyright on the website content hosted at zavfit.com, including brand messaging, scientific positioning, product descriptions, partner information, and user guidance materials. The site showcases ZavFit’s vision, technology offering, and commercial applications across the health, finance, and wellbeing sectors.
Social Media Accounts
Rights in the Company’s social media accounts are available to acquire across key platforms, including LinkedIn, Instagram, Facebook, Twitter/X, YouTube, and Vimeo.
Full details on the Company’s social media accounts are available via a virtual data room.
Client Data
The Company holds client data, including individual contacts and engagement histories with key organisations involved in past pilots, partnerships, and commercial discussions.
Tangible Assets
A range of tangible assets are available for acquisition, comprising primarily modern office technology and computing equipment, including Apple MacBook Air laptops, Lenovo laptops, monitors and smartphones. Assets also include office furniture, a heavy-duty shredder, and various accessories used in the development and operation of the business.
Full details on the Company’s tangible assets are available via a virtual data room.
All expressions of interest and bids are to be directed to Hilco in writing. A Bid Submission Form is available on request. Please contact Hilco to gain access to a virtual data room for further information on signing a confidentiality agreement.
Hilco is acting as exclusive agent to the Company and its Proposed Liquidators in connection with the proposed sale of some or all of the Company’s assets. The Proposed Administrator acts as an agents of the Company and without personal liability.
All sales are made strictly on an “as is, where is” basis. Only such right, title and interest (if any) as the Company may have in the assets will be transferred to a purchaser. No warranties, guarantees, or representations (express or implied) are provided by the Company, its Proposed Liquidators or Hilco in respect of the assets or any information supplied. All parties must rely on their own enquiries and due diligence. Any information provided is for convenience only and has not been independently verified.
All offers are subject to the addition of VAT at the prevailing rate, where applicable. A non-refundable deposit equal to 20% of the agreed purchase price must be paid by the successful purchaser within 48 hours of offer acceptance. Payment of the deposit grants the purchaser the exclusive right to proceed with the acquisition of the relevant assets for a limited period and on the terms agreed. A Buyer’s Premium of 10% of the final purchase price is payable by the successful purchaser in addition to the agreed purchase price, is non-negotiable and is payable at the same time and in the same manner as the purchase price and forms a condition of sale.
Legal completion must occur within five (5) business days of offer acceptance, unless otherwise agreed in writing by the Company and its Proposed Liquidator.
