Agree if you have a capital loss on ZEN and no other capital...

Agree if you have a capital loss on ZEN and no other capital gains to offset against, then short term you are out of pocket. As the scheme won’t complete until the 20/21 tax year, you’ve plenty of time to make some capital gains elsewhere before 30 June 2021 to use the capital loss against. Otherwise, you will have a capital loss to carry forward and use in the 2021/22 or future years.