Get everything cut. Heat a large frying pan, sauce pan, or Wok on high heat. Start browning the ground beef. Once you have a nice sear on most of the meat, add in the zucchini, mushrooms and garlic. Sprinkle in a small amount of black pepper and salt. Mix and continue to cook for a couple minutes.

Add the water and plum tomato, then cover. Turn the heat down and simmer for about 5 minutes. Add the tomato sauce and olive oil. Mix it all up and continue to simmer for 5-10 minutes to reduce and thicken the mix. Optionally, you can add a bit of carb-free thickener to get a saucier result. This latter is preferred if you intend to serve this over a low-carb pasta.

Turn off the burner and let it settle for five more minutes to thicken a bit more. Easiest to serve in bowls, but plates work as well. Sprinkle your grated Cheddar or other favorite shredded cheeses or cheese combinations over the top.