MONUMENT TECHNOLOGY LIMITED

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  Material uncertainty over going concern

  The material uncertainty stems from the timing and amount of capital investment or other funding within the 12 months from approval of these financial statements. The Directors note that additional capital or other funding will be required within this period to fund its ongoing operations and enact growth plans.

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

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

BDO LLP

Audit opinion

Unqualified (clean)

Going concern

Material uncertainty disclosed

“The material uncertainty stems from the timing and amount of capital investment or other funding within the 12 months from approval of these financial statements. The Directors note that additional capital or other funding will be required within this period to fund its ongoing operations and enact growth plans.”

Significant events

• “Monument Technology was established in 2023 as an independently managed business to commercialize the technology that has underpinned the growth of Monument Bank, a pioneering UK challenger bank focussed on serving the mass affluent segment.”
• “During the period, Monument Technology invested in developing the functionality in its platform to enable it to be used by multiple clients and to provide a broader range of savings and mortgage products.”
• “The Company commenced the implementation process with its first client, a Building Society in the UK, and appointed key members of its leadership team.”
• “The Company developed a significant sales pipeline to underpin commercial activity for 2025. Significant progress was also made on Fundraising with the Company raising over ",9 million from investors by the year end.”
• “Post the year end, on 17 February 2025, the Company signed a multi-year agreement with its first client and is engaged in advanced commercial discussions with additional potential clients which underpin the Directors' confidence in the potential of the Monument technology business.”

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

Filings

12

last 12 months

Capital events

9

last 24 months

Officers appointed

3

last 12 months

Officers resigned

0

last 12 months

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