FINANCIAL OBJECTS (UK) LIMITED
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Cash
£3k
+50% highest in 3 filed years
Net assets
-£7.6m
-5.8% lowest in 3 filed years
Employees
—
Average over period
Profit before tax
-£418k
+85.5% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
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 | £59,000 | £26,000 | £16,000 | -38.5% | |
| Operating profit | £33,000 | -£2,493,000 | £1,000 | +100% | |
| Profit before tax | -£318,000 | -£2,876,000 | -£418,000 | +85.5% | |
| Net profit | -£318,000 | -£2,876,000 | -£418,000 | +85.5% | |
| Cash | £2,000 | £2,000 | £3,000 | +50% | |
| Total assets less current liabilities | -£4,310,000 | -£7,186,000 | -£7,604,000 | -5.8% | |
| Net assets | -£4,310,000 | -£7,186,000 | -£7,604,000 | -5.8% | |
| Equity | — | — | — | — | |
| Average employees | — | — | — | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | £1,426,000 | £1,610,000 | +12.9% | |
| Directors' pension contributions | — | £69,000 | £66,000 | -4.3% | |
| Highest paid director | — | £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 | 55.9% | — | 6.3% | |
| Gearing (liabilities / total assets) | 272.9% | 2238.7% | 190200.0% | |
| Current ratio | 0.37x | 0.04x | 0.00x | |
| Interest cover | 0.09x | -6.51x | 0.00x |
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. Margin ratios are hidden where reported turnover is too small relative to profit to yield a meaningful figure — typical of holding companies whose income is mostly subsidiary dividends rather than trading revenue. Sector-distribution context coming next.
Name history
Renamed 3 times since incorporation
- FINANCIAL OBJECTS (UK) LIMITED 1997-01-10 → present
- FINANCIAL OBJECTS LIMITED 1995-10-17 → 1997-01-10
- CYBERNET TECHNOLOGY LIMITED 1995-03-02 → 1995-10-17
- FORAY 759 LIMITED 1995-02-09 → 1995-03-02
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“As at 31 December 2025, the Company had net liabilities. The Financial Statements are prepared on the going concern basis because of (a) the positive outlook of the ability of the Group to generate positive cash flows, (b) no provisions for future dissolution of the entity nor any impairment of current and long-term assets 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.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 33 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 | 2024-03-28 | Jan 1983 | British |
| YAMIN-ALI, Mark Rohan | Director | 2024-08-27 | Sep 1972 | British |
Show 33 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CARRUTHERS, David George | Secretary | 2010-05-10 | 2016-02-15 |
| DORRELL, Jeremy David | Secretary | 1995-03-09 | 1995-03-21 |
| FOSTER, Karin Vivienne | Secretary | 1995-03-21 | 1995-11-02 |
| FRUMKIN, Simon | Secretary | 2005-01-04 | 2005-07-27 |
| GARSTON, David Mark | Secretary | 2003-01-10 | 2005-01-04 |
| GUTTERIDGE, David James | Secretary | 1995-11-02 | 2003-01-10 |
| KLANGA, Andre | Secretary | 2008-09-10 | 2010-05-10 |
| MIDDLEMISS, Graham | Nominee Secretary | 1995-02-09 | 1995-03-09 |
| SLATER, Edward Quentin | Secretary | 2005-07-27 | 2006-06-13 |
| YOUNGS, Peter Maurice | Secretary | 2006-06-13 | 2008-09-10 |
| BAILEY, Bryan | Director | 2008-09-10 | 2010-05-10 |
| CARRUTHERS, David George | Director | 2001-01-01 | 2008-09-10 |
| CHESTER, Ian | Director | 1995-11-02 | 2000-08-21 |
| CHRISTODOULOU, Constantine Pangalos | Director | 2010-05-10 | 2015-01-31 |
| DORRELL, Jeremy David | Director | 1995-05-07 | 1998-11-30 |
| DORRELL, Jeremy David | Director | 1995-03-09 | 1995-03-21 |
| FOSTER, Roger Keith | Director | 1995-03-09 | 2001-01-01 |
| FRUMKIN, Simon | Director | 2005-01-04 | 2005-07-27 |
| GUNNING, Mark Nicholas | Director | 2015-01-31 | 2020-03-13 |
| GUTTERIDGE, David James | Director | 1995-11-02 | 2003-01-10 |
| LANE, Stephen Paul | Director | 2003-01-10 | 2004-01-30 |
| LEWIS, Derek | Director | 1995-11-02 | 1997-03-18 |
| MIDDLEMISS, Graham | Nominee Director | 1995-02-09 | 1995-03-09 |
| NOCTOR, Desmond James | Director | 2012-11-13 | 2024-03-28 |
| PAPPA, Athena Sofia | Director | 2008-09-10 | 2010-05-10 |
| PATTISON, Andrew James | Director | 2020-03-13 | 2022-04-01 |
| PEERMOHAMED, Abdul Karim | Director | 2005-07-27 | 2008-09-10 |
| PENNESE, Olivier | Director | 2016-04-11 | 2021-09-30 |
| SPENCER, Mark Owen | Nominee Director | 1995-02-09 | 1995-03-09 |
| STONELL, Keith Robert | Director | 2008-09-10 | 2012-11-13 |
| THOMPSON, Richard Henry | Director | 1995-11-02 | 2001-01-01 |
| WALSH, Peter | Director | 1995-11-02 | 2001-10-01 |
| WATTS, Peter Martin | Director | 2004-01-30 | 2005-04-15 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Temenos Uk Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-08-31 | Active |
| Financial Objects Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2022-08-31 |
Filing timeline
Last 20 of 190 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-20 | AA | accounts | Accounts with accounts type full | |
| 2026-01-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-06 | 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 | |
| 2025-06-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-02-12 | 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 | CH01 | officers | Change person director company with change date | |
| 2024-08-27 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-28 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-02-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-21 | AA | accounts | Accounts with accounts type full | |
| 2023-02-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-05 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2022-09-04 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2022-07-14 | AA | accounts | Accounts with accounts type full | |
| 2022-05-12 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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.