ZERO FINTECH GROUP PLC

• ⚠

  Material uncertainty over going concern

  We draw attention to note 2 in the financial statements, which indicates that the company is reliant on successfully attracting new investment in order to continue operating. At the date the directors approved these financial statements, investment had not been secured. As stated in note 2, these events or conditions, along with the other matters as set forth in note 2, indicate that a material uncertainty exists that may cast significant doubt on the company's ability to continue as a going concern.

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

• Turnover

  —

  Not reported

• Cash

  -84.6%

  £525,494 → £81,156

• Net assets

  +22.8%

  £1,069,659 → £1,313,221

• Employees

  —

  Not reported

• Profit before tax

  -320.1%

  -£5,341 → -£22,438

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

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.

Accounting basis

FRS 102

Reporting scope

Standalone (parent only)

Auditor

Millet Accountants Ltd

Audit opinion

Unqualified (clean)

Going concern

Material uncertainty disclosed

“We draw attention to note 2 in the financial statements, which indicates that the company is reliant on successfully attracting new investment in order to continue operating. At the date the directors approved these financial statements, investment had not been secured. As stated in note 2, these events or conditions, along with the other matters as set forth in note 2, indicate that a material uncertainty exists that may cast significant doubt on the company's ability to continue as a going concern.”

Group structure

1. ZERO FINTECH GROUP PLC · parent
   1. Zero Fintech Ltd 100% · England and Wales

Significant events

• “Company successfully launched the Zero mobile app and debit card”
• “launched community share options”
• “awarded B Corp certification in June 2024”
• “successfully completed a further funding round "Seed +" of an additional £1.5m in March 2025”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

6

last 12 months

Capital events

2

last 24 months

Officers appointed

1

last 12 months

Officers resigned

1

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.