TEMENOS UK LIMITED
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Cash
£1.3m
-22.8% vs 2024
Net assets
-£5m
+15.7% highest in 3 filed years
Employees
266
-4.7% lowest in 3 filed years
Profit before tax
£2.6m
-60.1% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
At 31 December 2025, the Company had net liabilities. The Financial Statements are prepared on a going concern basis because of (a) the positive outlook of the ability of the Company to generate positive cash flows, (b) no provisions for future dissolution of the entity has been recognised in these Financial Statements and (c) the Directors of Temenos AG have provided a letter confirming support from Temenos AG covering at least 12 months following the signing of these Financial Statements.
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Going-concern uncertainty disclosed
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Negative shareholders' funds
Net assets
3-year trend · vs Consumer Discretionary median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £79,645,000 | £74,500,000 | £69,516,000 | -6.7% | |
| Operating profit | £16,106,000 | £7,849,000 | £8,986,000 | +14.5% | |
| Profit before tax | £12,482,000 | £6,566,000 | £2,622,000 | -60.1% | |
| Net profit | £6,538,000 | £12,345,000 | £1,782,000 | -85.6% | |
| Cash | £823,000 | £1,642,000 | £1,268,000 | -22.8% | |
| Total assets less current liabilities | £36,170,000 | £56,118,000 | £57,301,000 | +2.1% | |
| Net assets | -£29,258,000 | -£5,909,000 | -£4,980,000 | +15.7% | |
| Equity | -£29,258,000 | -£5,909,000 | -£4,980,000 | +15.7% | |
| Average employees | 299 | 279 | 266 | -4.7% | |
| Wages | £34,996,000 | £38,576,000 | £34,115,000 | -11.6% | |
| Directors' remuneration | £601,000 | £1,426,000 | £1,610,000 | +12.9% | |
| Directors' pension contributions | £46,000 | £69,000 | £66,000 | -4.3% | |
| Highest paid director | £270,000 | £544,000 | £588,000 | +8.1% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 20.2% | 10.5% | 12.9% | |
| Net margin | 8.2% | 16.6% | 2.6% | |
| Return on capital employed | 44.5% | 14.0% | 15.7% | |
| Gearing (liabilities / total assets) | 133.7% | 104.5% | 102.8% | |
| Current ratio | 1.44x | 1.59x | 1.38x | |
| Interest cover | 4.44x | 2.03x | 1.41x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 4 times since incorporation
- TEMENOS UK LIMITED 2000-10-10 → present
- TEMENOS SYSTEMS (UK) LIMITED 1993-12-31 → 2000-10-10
- COS SOFTWARE ENGINEERING LIMITED 1991-11-20 → 1993-12-31
- ELECTRONIC BANKING SYSTEMS LIMITED 1986-05-09 → 1991-11-20
- SWIFT 1408 LIMITED 1985-12-19 → 1986-05-09
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“At 31 December 2025, the Company had net liabilities. The Financial Statements are prepared on a going concern basis because of (a) the positive outlook of the ability of the Company to generate positive cash flows, (b) no provisions for future dissolution of the entity has been recognised in these Financial Statements and (c) the Directors of Temenos AG have provided a letter confirming support from Temenos AG covering at least 12 months following the signing of these Financial Statements.”
Group structure
- TEMENOS UK LIMITED · parent
- Financial Objects (UK) Limited 100%
- Temenos East Africa Ltd 99%
- Edge IPK Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAIN, Gregg Andrew | Director | 2022-04-01 | Feb 1978 | British |
| MICHAEL, Nicholas | Director | 2020-03-13 | Jan 1979 | British |
| TIPPER, Jayde | Director | 2021-09-30 | Jan 1983 | British |
| YAMIN-ALI, Mark Rohan | Director | 2024-08-27 | Sep 1972 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CARRUTHERS, David George | Secretary | 2010-05-10 | 2016-02-15 |
| GOODALL, Kim Warren | Secretary | 1998-09-30 | 2003-11-24 |
| HAMILTON, Peter | Secretary | 1996-12-12 | 1998-09-30 |
| HARJINDER, Tack | Secretary | 2003-11-24 | 2005-01-31 |
| HARWOOD, Karen Winifred Sheila | Secretary | 2007-10-01 | 2008-10-08 |
| KAMERKAR, Samir | Secretary | 1995-06-06 | 1996-12-06 |
| KLANGA, Andre | Secretary | 2008-10-08 | 2010-05-10 |
| PAPPA, Athena Sofia | Secretary | 2006-03-07 | 2007-09-30 |
| SIGLER, Michael James | Secretary | 1992-09-11 | 1994-08-23 |
| STANBURY, Timothy Jason | Secretary | 1994-08-23 | 1995-06-06 |
| TRIMMER, Andrew Charles Lewis | Secretary | 2005-02-01 | 2006-03-06 |
| WALLBRIDGE, Linda Louise | Secretary | — | 1992-09-11 |
| ANDREADES, Andreas | Director | 2001-01-10 | 2008-08-11 |
| ARNOTT, David Ian | Director | 2003-05-06 | 2007-01-01 |
| BAILEY, Bryan | Director | 2008-08-11 | 2010-05-10 |
| BAKI BOISIER, Christophe | Director | 1995-04-24 | 1995-06-30 |
| BAUN, John Bruce | Director | 1994-06-13 | 1995-06-28 |
| CHAMPAGNE, Thierry | Director | 1993-11-16 | 1994-10-18 |
| FUNG, May Sin Mei | Director | 1995-05-23 | 2001-01-10 |
| GOODALL, Kim Warren | Director | 2001-01-10 | 2003-11-24 |
| GROFLIN, Urs | Director | — | 1993-06-15 |
| GUNNING, Mark Nicholas | Director | 2015-01-31 | 2020-03-13 |
| GUNTERT, Hans-Peter | Director | — | 1992-12-31 |
| HENNEME, Ernest | Director | — | 1992-09-11 |
| HEYMANS, Rene | Director | 1994-04-01 | 1995-04-28 |
| KOUKIS, George | Director | 1993-11-16 | 2001-01-11 |
| KOUKIS, Joanne | Director | 2001-01-10 | 2002-12-31 |
| MAX, Chuard | Director | 2003-11-24 | 2007-10-01 |
| MEIER, Rene | Director | — | 1993-06-15 |
| NOCTOR, Desmond James | Director | 2012-11-13 | 2024-03-28 |
| PANGALOS, Constantine | Director | 2007-01-01 | 2015-01-31 |
| PAPPA, Athena Sofia | Director | 2007-10-01 | 2010-05-10 |
| PATTISON, Andrew James | Director | 2020-03-13 | 2022-04-01 |
| PENNESE, Olivier | Director | 2016-04-11 | 2021-09-30 |
| QUICK, Bruce Ralph | Director | 1995-07-01 | 1996-05-02 |
| RANGER, Joseph | Director | 1993-11-16 | 1995-03-15 |
| RUTHERFURD, Lewis | Director | 1995-04-04 | 2001-01-10 |
| STEFFEN, Peter | Director | 1993-11-10 | 1993-11-16 |
| STOLLER, Rolf Peter | Director | 1992-09-11 | 1993-11-16 |
| STONELL, Keith Robert | Director | 2008-10-28 | 2012-11-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Temenos Ag | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 222 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-20 | AA | accounts | Accounts with accounts type full | |
| 2026-01-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-30 | AA | accounts | Accounts with accounts type full | |
| 2025-06-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-01-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-29 | AA | accounts | Accounts with accounts type full | |
| 2024-08-27 | CH01 | officers | Change person director company with change date | |
| 2024-08-27 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-03-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-11-06 | CH01 | officers | Change person director company with change date | |
| 2023-07-21 | AA | accounts | Accounts with accounts type full | |
| 2023-01-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-14 | AA | accounts | Accounts with accounts type full | |
| 2022-05-12 | CH01 | officers | Change person director company with change date | |
| 2022-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2022-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-01-24 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.