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ZILO Technology Limited
Registered number: 12564726
Annual report and consolidated financial statements

For the year ended 31 December 2024

 
ZILO TECHNOLOGY LIMITED
 
 
COMPANY INFORMATION


Directors
P C Goffin 
K Lee 
G J Neilly 
C F H Coulter 
J R G Devlin 
A D B Felesky 




Registered number
12564726



Registered office
First Floor,
5 Fleet Place,

London

EC4M 7RD




Independent auditors
Forvis Mazars LLP
Chartered Accountants & Statutory Auditor

30 Old Bailey

London

EC4M 7AU





 
ZILO TECHNOLOGY LIMITED
 

CONTENTS



Page
Group Strategic Report
1 - 2
Directors' Report
3 - 5
Independent Auditors' Report
6 - 9
Consolidated Statement of Comprehensive Income
10
Consolidated Statement of Financial Position
11
Company Statement of Financial Position
12
Consolidated Statement of Changes in Equity
13
Company Statement of Changes in Equity
14
Consolidated Statement of Cash Flows
15
Notes to the Financial Statements
16 - 35


 
ZILO TECHNOLOGY LIMITED
 
 
GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

Introduction
 
The Directors present the Strategic Report of the Group for the year ended 31 December 2024.
These financial statements present the financial results of ZILO Technology Limited ("the Company") and of its subsidiaries, collectively "the Group".
Principal activity
The principal activity of the Group during the year continued to be the development and provision of enterprise-grade, cloud-hosted software solutions tailored to the global financial services sector. The Group offers a suite of products designed to support mission-critical operations, with an emphasis on regulatory compliance, data security, operational efficiency and resilience.

Business review
 
During the year ended 31 December 2024, the Group made progress on key strategic initiatives aligned with product enhancement and market expansion. This included:

Significant investment in research and development to further strengthen the Group’s product offering

Continued focus on high-availability, cloud-native architecture

Strategic engagement with key financial institutions to enhance long-term customer partnerships

In 2024, the Group successfully raised funding from investors to support ongoing product development and to accelerate our innovation roadmap. A follow-on funding round of c.£20m is underway in 2025 to sustain momentum in product investment and go-to-market efforts, £11m of which was received and available to the company in July 2025.
Despite a competitive landscape and broader macroeconomic headwinds, the Group continued to attract significant interest from Tier 1 and Tier 2 financial institutions globally.

Principal risks and uncertainties
 
The board regularly reviews and assesses the risks faced by the Group. 
The principal risks and uncertainties include:
• Cybersecurity threats: As a cloud software provider, the Group remains vigilant about emerging threats    and maintains ISO-compliant security protocols
• Competitive environment: The sector remains highly competitive which may put pressure on margins and   may affect results
• Funding and cash flow: Continued product investment relies on successful execution of future fund raises   and operational cash flow improvements
• Regulatory changes: Evolving regulatory requirements in the financial services sector may impact product   features or development timelines
The Group has appropriate controls and governance processes to mitigate these risks. 

Page 1

 
ZILO TECHNOLOGY LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Financial key performance indicators
 
Management monitors a range of financial and operational performance indicators appropriate to the Group’s size and stage of development. Given the commercially sensitive nature of this data, detailed disclosures are not made in this report.

Future developments

The Group’s focus for 2025 is to:
• Continue to deliver commitments to existing customers
• Expand its customer base
• Launch key product enhancements
• Finalise and deploy funds from the 2025 investment round to accelerate product-led growth
Management remains confident in the Group's strategic direction and market positioning.


This report was approved by the board and signed on its behalf.



................................................
P C Goffin
Director

Date: 10 September 2025

Page 2

 
ZILO TECHNOLOGY LIMITED
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

The Directors present their report and the financial statements for the year ended 31 December 2024.

Directors' responsibilities statement

The Directors are responsible for preparing the Group Strategic Report, the Directors' Report and the consolidated financial statements in accordance with applicable law and regulations.
 
Company law requires the Directors to prepare financial statements for each financial year. Under that law the Directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the Directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and the Group and of the profit or loss of the Group for that period.

 In preparing these financial statements, the Directors are required to:


select suitable accounting policies for the Group's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent;

state whether applicable UK Accounting Standards including Financial Reporting Standard 102 have been followed, subject to any material departures disclosed and explained in the financial statements;

prepare the financial statements on the going concern basis unless they intend to liquidate the Company or Group, or to cease operations, or have no realistic alternative but to do so.

The Directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and the Group and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and the Group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Results and dividends

The loss for the year, after taxation, amounted to £13,572,731 (2023 - loss £10,357,722).
No dividend has been paid or recommended. (2023: Nil).

Directors

The Directors who served during the year and up until the date of signing of the financial statements, unless otherwise stated, were:
 
P C Goffin 
K Lee 
G J Neilly 
P Panjwani (resigned 4 September 2024)
C F H Coulter 
J R G Devlin 
A D B Felesky 

Page 3

 
ZILO TECHNOLOGY LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Economic impact of global events

UK business are facing many uncertainties and challenges caused by political, economic, social, technological, legal and environmental factors. These uncertainties have contributed to an environment where there exists a range of issues and risks, including inflation, rising interest rates, labour shortages, disrupted supply chains and new ways of working.
The Directors have carried out an assessment of the potential impact of these uncertainties on the business, including the impact of mitigation measures, and have concluded that these are non-adjusting events with the greatest impact on the business expected to be from the economic ripple effect on the global economy. The Directors have taken account of these potential impacts in their going concern assessment.
The Group continues to work with its partners to minimise any impacts of these events and maximise the realisation of any opportunities they may provide to the business.

Going concern

The Directors have reviewed the Group’s budgets and cash flow forecasts and having considered the current trading position and available funding, especially given the following-on funding round that is underway, are satisfied that the going concern basis of preparation remains appropriate.

Matters covered in the Group Strategic Report

As permitted in paragraph 1A of Schedule 7 to Large and Medium-sized Companies and Groups (accounts and
reports) Regulations 2008 certain matters which are required to be disclosed in the Directors' report have been
omitted as they are included in the Strategic report. These matters relate to the review of future developments and financial risk management objectives and policies.

Disclosure of information to auditors

Each of the persons who are Directors at the time when this Directors' Report is approved has confirmed that:
 
so far as the Director is aware, there is no relevant audit information of which the Company and the Group's auditors are unaware, and

the Director has taken all the steps that ought to have been taken as a Director in order to be aware of any relevant audit information and to establish that the Company and the Group's auditors are aware of that information.

Post balance sheet events

Subsequent to the reporting date, the Group has finalised its Series A extension funding round, securing additional capital of £19.6m to support operations through 2025 and 2026, with the aim of achieving profitability.
Series A1 Shares will be issued at £152.28 per share. The initial close of £11m finalised on 14th July 2025 with final completion due by 30th September 2025.

Auditors

The auditorsForvis Mazars LLPwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

Page 4

 
ZILO TECHNOLOGY LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

This report was approved by the Board and signed on its behalf.
 





P C Goffin
Director

Date: 10 September 2025

Page 5

 
ZILO TECHNOLOGY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ZILO TECHNOLOGY LIMITED
 

Opinion

We have audited the financial statements of ZILO Technology Limited (the ‘parent company’) and its subsidiaries (the ‘Group’) for the year ended 31 December 2024 which comprise the Consolidated Statement of Comprehensive Income, the Consolidated Statement of Financial Position, the Company Statement of Financial Position, the Consolidated Statement of Changes in Equity, the Company Statement of Changes in Equity, the Consolidated Statement of Cash Flows and notes to the financial statements, including a summary of significant accounting policies. 
The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (United Kingdom Generally Accepted Accounting Practice).

In our opinion, the financial statements:

give a true and fair view of the state of the Group’s and of the parent company’s affairs as at 31 December 2024 and of the Group's loss for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor’s responsibilities for the audit of the financial statements section of our report. We are independent of the Group and parent company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.
Other matter
Without qualifying our opinion, we draw attention to note 2.1 to the accounts which explains the fact that the comparative information presented in the Consolidated Statement of Comprehensive Income, Consolidated Statement of Financial Position, Consolidated Statement of Changes in Equity, Consolidated Statement of Cash Flows and notes to the consolidated financial statements was unaudited as in the year ended 31 December 2023 the Group had taken advantage of the exemption under section 399 of the Companies Act 2006 not to prepare group accounts for that year.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.
Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group's and the parent company’s ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.
Our responsibilities and the responsibilities of the Directors with respect to going concern are described in the relevant sections of this report.

Page 6

 
ZILO TECHNOLOGY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ZILO TECHNOLOGY LIMITED
 

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The Directors are responsible for the other information contained within the annual report. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.
Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:
 
the information given in the Group Strategic Report and the Directors' Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Group Strategic Report and the Directors' Report have been prepared in accordance with applicable legal requirements.

Matters on which we are required to report by exception

In light of the knowledge and understanding of the Group and the parent company and their environment obtained in the course of the audit, we have not identified material misstatements in the Group Strategic Report or the Directors' Report.

We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

adequate accounting records have not been kept by the parent company, or returns adequate for our audit have not been received from branches not visited by us; or
the parent company financial statements are not in agreement with the accounting records and returns; or
certain disclosures of Directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.

Page 7

 
ZILO TECHNOLOGY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ZILO TECHNOLOGY LIMITED
 

Responsibilities of Directors

As explained more fully in the Directors' responsibilities statement set out on page 3, the directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the Directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the Directors are responsible for assessing the Group's and the parent company’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Group or the parent company or to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.
 
The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below.
 
Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. 

Based on our understanding of the Group and the parent company and their industry, we considered that non-compliance with the following laws and regulations might have a material effect on the financial statements: employment regulation and tax legislation.

To help us identify instances of non-compliance with these laws and regulations, and in identifying and assessing the risks of material misstatement in respect to non-compliance, our procedures included, but were not limited to:
Inquiring of management and, where appropriate, those charged with governance, as to whether the Group and the parent company is in compliance with laws and regulations, and discussing their policies and procedures regarding compliance with laws and regulations;
Inspecting correspondence, if any, with relevant licensing or regulatory authorities;
Communicating identified laws and regulations to the engagement team and remaining alert to any indications of non-compliance throughout our audit; and
Considering the risk of acts by the Group and the parent company which were contrary to applicable laws and regulations, including fraud.  

We also considered those laws and regulations that have a direct effect on the preparation of the financial statements, such as the Companies Act 2006. 
Page 8

 
ZILO TECHNOLOGY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ZILO TECHNOLOGY LIMITED
 

In addition, we evaluated the Directors' and management’s incentives and opportunities for fraudulent manipulation of the financial statements, including the risk of management override of controls, and determined that the principal risks related to posting manual journal entries to manipulate financial performance, management bias through judgements and assumptions in significant accounting estimates, in particular in relation to revenue recognition (which we associated to the cut-off assertion), and significant one-off or unusual transactions. 

Our audit procedures in relation to fraud included but were not limited to:
Making enquiries of the Directors and management on whether they had knowledge of any actual, suspected or alleged fraud;
Gaining an understanding of the internal controls established to mitigate risks related to fraud;
Discussing amongst the engagement team the risks of fraud; and
Addressing the risks of fraud through management override of controls by performing journal entry testing.

There are inherent limitations in the audit procedures described above and the primary responsibility for the prevention and detection of irregularities including fraud rests with management. As with any audit, there remained a risk of non-detection of irregularities, as these may involve collusion, forgery, intentional omissions, misrepresentations or the override of internal controls.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council’s website at www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditor’s report.

Use of the audit report

This report is made solely to the parent company's members as a body in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the parent company's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the parent company and the parent company's members as a body for our audit work, for this report, or for the opinions we have formed.




Diego Fernandez (Senior Statutory Auditor)

  
for and on behalf of

Forvis Mazars LLP
Chartered Accountants and Statutory Auditor 
30 Old Bailey
London
EC4M 7AU

11 September 2025
Page 9

 
ZILO TECHNOLOGY LIMITED
 
 
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
Unaudited
Note
£
£

  

Turnover
 4 
4,858,669
2,545,250

Cost of sales
  
(4,507,184)
(3,968,246)

Gross profit/(loss)
  
351,485
(1,422,996)

Administrative expenses
  
(14,525,438)
(9,311,090)

Other operating income
 5 
-
393,784

Operating loss
  
(14,173,953)
(10,340,302)

Interest receivable and similar income
 10 
549,977
-

Interest payable and similar expenses
 11 
(2,928)
(736)

Loss before taxation
  
(13,626,904)
(10,341,038)

Tax on loss
 12 
54,173
(16,684)

Loss for the financial year
  
(13,572,731)
(10,357,722)

  

Currency translation differences
  
9,120
(9,045)

Other comprehensive income for the year
  
9,120
(9,045)

Total comprehensive income for the year
  
(13,563,611)
(10,366,767)

The income statement has been prepared on the basis that all operations are continuing operations.

The notes on pages 16 to 35 form part of these financial statements.

Page 10

 
ZILO TECHNOLOGY LIMITED
REGISTERED NUMBER: 12564726

CONSOLIDATED STATEMENT OF FINANCIAL POSITION
AS AT 31 DECEMBER 2024

2024
2023
Unaudited
Note
£
£

Fixed assets
  

Tangible assets

 13 

233,110
178,963

Current assets
  

Debtors
 15 
1,883,234
1,877,025

Cash and cash equivalents
 16 
8,118,012
8,676,182

  
10,001,246
10,553,207

Creditors: amounts falling due within one year
 17 
(2,816,429)
(14,880,934)

Net current assets/(liabilities)
  
 
 
7,184,817
 
 
(4,327,727)

Total assets less current liabilities
  
7,417,927
(4,148,764)

Provisions for liabilities
  

Other provisions
  
(114,807)
(9,878)

  
 
 
(114,807)
 
 
(9,878)

Net assets/(liabilities)
  
7,303,120
(4,158,642)


Capital and reserves
  

Called up share capital 
 20 
55
34

Share premium account
 21 
38,256,710
15,029,854

Share-based payment reserve
 21 
1,798,496
-

Foreign exchange reserve
 21 
75
(9,045)

Profit and loss account
 21 
(32,752,216)
(19,179,485)

  
7,303,120
(4,158,642)


The financial statements were approved and authorised for issue by the board and were signed on its behalf by: 




................................................
P C Goffin
Director

Date: 10 September 2025

The notes on pages 16 to 35 form part of these financial statements.

Page 11

 
ZILO TECHNOLOGY LIMITED
REGISTERED NUMBER: 12564726

COMPANY STATEMENT OF FINANCIAL POSITION
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Tangible assets
 13 
150,942
123,716

Investment in subsidiaries
  
238,530
238,530

  
389,472
362,246

Current assets
  

Debtors
 15 
1,806,893
1,926,089

Cash and cash equivalents
 16 
8,059,521
8,660,155

Creditors: amounts falling due within one year
 17 
(3,148,142)
(15,108,242)

Net current assets/(liabilities)
  
 
 
6,718,272
 
 
(4,521,998)

Total assets less current liabilities
  
7,107,744
(4,159,752)

Net assets/(liabilities)
  
7,107,744
(4,159,752)


Capital and reserves
  

Called up share capital 
 20 
55
34

Share premium account
 21 
38,256,710
15,029,854

Other reserves
 21 
1,798,496
-

Profit and loss account
  
(32,947,517)
(19,189,640)

  
7,107,744
(4,159,752)


As permitted by s408 Companies Act 2006, the Company has not presented its own profit and loss account and related notes as it prepares Group accounts. 
The Company's loss for the year was £13,757,877 (2023: £10,367,877).
The financial statements were approved and authorised for issue by the board and were signed on its behalf by: 


................................................
P C Goffin
Director

Date: 10 September 2025

The notes on pages 16 to 35 form part of these financial statements.

Page 12
 

 
ZILO TECHNOLOGY LIMITED


 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024



Called up share capital
Share premium account
Foreign exchange reserve
Share-based payment reserve
Profit and loss account
Total equity


£
£
£
£
£
£



At 1 January 2023 (Unaudited)
26
8,183,952
-
-
(8,821,763)
(637,785)





Loss for the year
-
-
-
-
(10,357,722)
(10,357,722)


Currency translation differences
-
-
(9,045)
-
-
(9,045)


Shares issued during the year
8
6,845,902
-
-
-
6,845,910





At 1 January 2024 (Unaudited)
34
15,029,854
(9,045)
-
(19,179,485)
(4,158,642)





Loss for the year
-
-
-
-
(13,572,731)
(13,572,731)


Currency translation differences
-
-
9,120
-
-
9,120


Shares issued during the year
21
23,226,856
-
-
-
23,226,877


Equity-settled share-based transactions
-
-
-
1,798,496
-
1,798,496



At 31 December 2024
55
38,256,710
75
1,798,496
(32,752,216)
7,303,120



Page 13
 
ZILO TECHNOLOGY LIMITED
 

COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Share premium account
Other reserves
Profit and loss account
Total equity

£
£
£
£
£


At 1 January 2023 (Unaudited)
26
8,183,952
-
(8,821,763)
(637,785)



Loss for the year
-
-
-
(10,367,877)
(10,367,877)

Shares issued during the year
8
6,845,902
-
-
6,845,910



At 1 January 2024
34
15,029,854
-
(19,189,640)
(4,159,752)



Loss for the year
-
-
-
(13,757,877)
(13,757,877)

Shares issued during the year
21
23,226,856
-
-
23,226,877

Other movement type 1
-
-
1,798,496
-
1,798,496


At 31 December 2024
55
38,256,710
1,798,496
(32,947,517)
7,107,744


Page 14

 
ZILO TECHNOLOGY LIMITED
 

CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
Unaudited
Note
£
£

Cash flows from operating activities
  

Loss for the financial year
  
(13,572,731)
(10,357,722)

Adjustments for:
  

Depreciation of tangible assets
 6 
108,409
42,715

Loss on disposal of tangible assets
  
(178)
1,953

Interest received
 10 
(549,977)
-

Taxation charge
 12 
(54,173)
16,684

Decrease/(increase) in debtors
  
40,910
(709,379)

(Decrease)/increase in creditors
  
(3,141,252)
3,681,797

Increase in provisions
  
104,929
9,878

Foreign exchange
  
9,120
(9,045)

Tax paid
  
(26,912)
-

Share-based incentive scheme accrual
 22 
1,798,496
-

Net cash generated from operating activities

  

(15,283,359)
(7,323,119)

  

Cash flows from investing activities
  

Purchase of tangible fixed assets
 13 
(162,556)
(166,762)

Interest received
 10 
549,977
-

Net cash from investing activities

  

387,421
(166,762)

Cash flows from financing activities
  

Issue of ordinary shares
 20 
23,226,877
6,845,910

Movement in fundraising activities
  
(8,889,109)
8,889,109

Net cash used in financing activities
  
14,337,768
15,735,019

Net (decrease)/increase in cash and cash equivalents
  
(558,170)
8,245,138

Cash and cash equivalents at beginning of year
 16 
8,676,182
431,044

Cash and cash equivalents at the end of year
 16 
8,118,012
8,676,182


Cash and cash equivalents at the end of year comprise:
  

Cash at bank and in hand
  
8,118,012
8,676,182

  
8,118,012
8,676,182


The notes on pages 16 to 35 form part of these financial statements.

Page 15

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.


General information

ZILO Technology Limited ("the Company") is a private company limited by shares, registered and incorporated in England and Wales. Company registered number 12564726 .
The address of its registered office is disclosed on the Company information page.
The principal activity of the Group is set out on page 1.
These financial statements are presented in Pounds Sterling (£). This is the functional currency of the Company and the currency of the primary economic environment in which it operates. The Group has chosen Pounds Sterling as its presentation currency.
Monetary amounts included in these financial statements are rounded to the nearest whole £.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.
The comparative information presented in the Consolidated Statement of Comprehensive Income, Consolidated Statement of Financial Position, Consolidated Statement of Changes in Equity, Consolidated Statement of Cash Flows, and the accompanying notes is unaudited. This is because, for the year ended 31 December 2023, the Group relied on the exemption available under section 399 of the Companies Act 2006 and did not prepare consolidated financial statements for that year.

The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own Statement of Comprehensive Income in these financial statements.

The following principal accounting policies have been applied:

  
2.2

Financial Reporting Standard 102 - reduced disclosure exemptions

The Company is a qualifying entity for the purposes of FRS 102, being a member of a group where the parent of that group prepares publicly available consolidated financial statements, including this Company, which are intended to give a true and fair view of the assets, liabilities, financial position and profit or loss of the group. 
The Company has therefore taken advantage of exemptions from the following disclosure requirements for parent company information presented within the consolidated financial statements:

Section 7 'Statement of Cash Flows': Presentation of a statement of cash flow and related notes

Section 11 'Basic Financial Instruments': Interest income/expense and net gains/losses for each category of financial instrument;

Section 26 'Share based Payment': Share-based payment expense charged to profit or loss, reconciliation of opening and closing number and weighted average exercise price of share options, how the fair value of options granted was measured, measurement and carrying amount of liabilities for cash-settled share-based payments, explanation of modifications to arrangements

Page 16

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

Section 33 'Related Party Disclosures': Compensation for key management personnel

 
2.3

Basis of consolidation

The consolidated financial statements present the results of the Company and its own subsidiaries ("the Group") as if they form a single entity. Intercompany transactions and balances between group companies are therefore eliminated in full.
 
 
2.4

Going concern

The Directors have reviewed the Group’s budgets and cash flow forecasts and having considered the current trading position and available funding, are satisfied that the going concern basis of preparation remains appropriate.

 
2.5

Foreign currency translation

Functional and presentation currency

The Company's functional and presentational currency is GBP.

Transactions and balances

Foreign currency transactions are translated into the functional currency using the spot exchange rates at the dates of the transactions.

At each period end foreign currency monetary items are translated using the closing rate. Non-monetary items measured at historical cost are translated using the exchange rate at the date of the transaction and non-monetary items measured at fair value are measured using the exchange rate when fair value was determined.

Foreign exchange gains and losses resulting from the settlement of transactions and from the translation at period-end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in profit or loss.

On consolidation, the results of overseas operations are translated into Pound Sterling at average rates of exchange. This approximates the actual spot rates of exchange on the dates that the transactions took place. All assets and liabilities of overseas operations are translated at the rate ruling at the reporting date. Exchange differences arising on the aforementioned translations are recognised in other comprehensive income.

Page 17

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.6

Revenue

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Group and the revenue can be reliably measured. Revenue is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. The following criteria must also be met before revenue is recognised:

Rendering of services

Revenue from a contract to provide services is recognised in the period in which the services are provided in accordance with the stage of completion of the contract when all of the following conditions are satisfied:
the amount of revenue can be measured reliably;
it is probable that the Group will receive the consideration due under the contract;
the stage of completion of the contract at the end of the reporting period can be measured reliably; and
the costs incurred and the costs to complete the contract can be measured reliably.

 
2.7

Operating leases: the Group as a lessee

Rental amounts relating to the period in respect of operating lease contracts are charged to profit or loss on a straight-line basis over the lease term.
The lease term is the non-cancellable period for which the lessee has contracted to lease the assets together with the optional renewal term, when at the inception of the lease it is reasonably certain that the Group as lessee will exercise the option.
Benefits received and receivable as an incentive to sign an operating lease are recognised on a straight-line basis over the lease term, unless another systematic basis is representative of the time pattern of the lessee's benefit from the use of the leased asset.

 
2.8

Research and development

In the research phase of an internal project it is not possible to demonstrate that the project will generate future economic benefits and hence all expenditure on research shall be recognised as an expense when it is incurred.
 
Accounting policies allow intangible assets to be recognised from the development phase of a project if certain specific criteria are met in order to demonstrate the asset will generate probable future economic benefits and that its cost can be reliably measured, with the capitalised development costs being subsequently amortised on a straight-line basis. However, given the stage the company is at, the Directors believe it is most appropriate at this time to deem all development expenditure to be research and charge as an expense to the profit and loss account

 
2.9

Interest income

Interest income is recognised in profit or loss using the using the accruals basis and in accordance with actual interest earned.

Page 18

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.10

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

 
2.11

Pensions

Defined contribution pension plan

The Group operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Group pays fixed contributions into a separate entity. Once the contributions have been paid the Group has no further payment obligations.

The contributions are recognised as an expense in profit or loss when they fall due. Amounts not paid are shown in accruals as a liability in the Statement of Financial Position. The assets of the plan are held separately from the Group in independently administered funds.

 
2.12

Share-based payments

Where share options are awarded to employees, the fair value of the options at the date of grant is charged to profit or loss over the vesting period. Market vesting conditions are factored into the fair value of the options granted. The cumulative expense is not adjusted for failure to achieve a market vesting condition.
Where the terms and conditions of options are modified before they vest, the increase in the fair value of the options, measured immediately before and after the modification, is also charged to profit or loss over the remaining vesting period.

 
2.13

Taxation

Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the reporting date in the countries where the Company and the Group operate and generate income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the reporting date, except that:
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits;
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met; and
Where they relate to timing differences in respect of interests in subsidiaries, associates, branches and joint ventures and the Group can control the reversal of the timing differences and such reversal is not considered probable in the foreseeable future.

Page 19

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)


2.13
Taxation (continued)

Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the reporting date.


 
2.14

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, using the straight-line method.

The estimated useful lives range as follows:

Fixtures and fittings
-
5
Office equipment
-
3

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.

 
2.15

Valuation of investments

In the Company's financial statements, investments in subsidiaries are measured at cost less accumulated impairment.

 
2.16

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

 
2.17

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.


 
2.18

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

Page 20

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.19

Provisions for liabilities

Provisions are recognised when an event has taken place that gives rise to a legal or constructive obligation, a transfer of economic benefits is probable and a reliable estimate can be made.
Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
 
Deferred tax liabilities are also presented within provisions but are measured in accordance with the accounting policy on taxation.
 
Increases in provisions are generally charged as an expense to profit or loss.

 
2.20

Financial instruments

The Group and Company has elected to apply the provisions of Section 11 “Basic Financial Instruments” of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the Group's Statement of Financial Position when the Group becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include trade and other debtors, cash and bank balances, are initially measured at their transaction price (adjusted for transaction costs) and are subsequently carried at their amortised cost using the effective interest method, less any provision for impairment, unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest.
Debt instruments are subsequently carried at their amortised cost using the effective interest rate method.

Discounting is omitted where the effect of discounting is immaterial. The Group's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

Basic financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the Group after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans, other loans and loans due to fellow group companies are initially measured at their transaction price (adjusting for transaction costs). When this constitutes a financing transaction, whereby the debt instrument is measured at the present value of the future payments discounted at a market rate of interest, discounting is omitted where the effect of discounting is immaterial.

Debt instruments are subsequently carried at their amortised cost using the effective interest rate method.
Page 21

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)


2.20
Financial instruments (continued)


Trade creditors are obligations to pay for goods and services that have been acquired in the ordinary course of business from suppliers. Trade creditors are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities.

  
2.21

Equity instruments

Equity instruments issued by the Company are recorded at the proceeds received, net of transaction costs. Dividends payable on equity instruments are recognised as liabilities once they are no longer at the discretion of the Company.


3.


Judgments in applying accounting policies and key sources of estimation uncertainty

In applying the Group's and the Company's accounting policies, the Directors are required to make judgements, estimates and assumptions in determining the carrying amounts of assets and liabilities. The Directors' judgements, estimates and assumptions are based on the best and most reliable evidence available at the time when the decisions are made, and are based on historical experience and other factors that are considered to be applicable. Due to the inherent subjectivity involved in making such judgements, estimates and assumptions, the actual results may differ.
Critical judgements in applying the Group and Company's accounting policies
There are no critical accounting judgements that would have a significant effect on the amounts recognised in the Group's and Company's financial statements.
Key assumptions and sources of estimation uncertainty
The key assumptions concerning the future and other key sources of estimation uncertainty at the reporting date, that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year, are described below. The Group and Company based its assumptions and estimates on parameters available when the financial statements were prepared. 
Existing circumstances and assumptions about future developments, however, may change due to market changes or circumstances arising that are beyond the control of the Group and Company. Such changes are reflected in the assumptions when they occur.
Share based payment costs
Estimating the fair value for share-based payment transactions requires determination of the most appropriate valuation model, which depends on the terms and conditions of the grant. This estimate also requires determination of the most appropriate inputs to the valuation model including the expected life of the share option, volatility and the risk-free rate and making assumptions about them. The Group initially measures the fair value of equity-settled transactions with employees at the grant date using the Black-Scholes model. The assumptions used for estimating the fair value for share-based payment transactions are disclosed in note 22.

Page 22

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

4.


Turnover

An analysis of turnover by class of business is as follows:


2024
2023
Unaudited
£
£

Revenue from service
4,858,669
2,545,250


All turnover arose within the United Kingdom.


5.


Other operating income

2024
2023
Unaudited
£
£

Research and development income
-
393,784



6.


Operating loss

The operating loss is stated after charging:

2024
2023
Unaudited
£
£

Depreciation
108,409
42,715

Exchange differences
59,053
13,250


7.


Auditors' remuneration

During the year, the Group obtained the following services from the Company's auditors:


2024
2023
Unaudited
£
£

Fees payable to the Company's auditors in respect of:

the audit of the consolidated and parent company's financial statements
87,000
58,450

non-audit services
30,960
10,927

The Company has taken advantage of the exemption not to disclose amounts paid for non-audit services as these are disclosed in the consolidated numbers presented above.

Page 23

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

8.


Employees

Staff costs, including Directors' remuneration, were as follows:


Group
Group
Company
Company
2024
2023
Unaudited
2024
2023
£
£
£
£


Wages and salaries
10,667,904
8,627,207
9,293,957
7,975,268

Social security costs
1,252,744
470,562
1,152,205
467,533

Long-term benefit
94,311
-
-
-

Cost of defined contribution scheme
228,599
78,670
218,094
60,861

12,243,558
9,176,439
10,664,256
8,503,662


The average monthly number of Group employees, including the Directors, during the year was 130 (2023 - 69).
The average monthly number of Company employees, including the Directors, during the year was 87 (2023 - 53).
The long-term benefit represents the Group's obligations in respect of the employees of ZILO Asia when they reach a retirement age. Refer to note 19 for further details.


9.


Directors' remuneration

2024
2023
Unaudited
£
£

Directors' emoluments
334,528
353,898

Group contributions to defined contribution pension schemes
7,500
7,125

342,028
361,023


During the year retirement benefits were accruing to no Directors (2023 - NIL) in respect of defined contribution pension schemes.

The highest paid Director received remuneration of £259,527 (2023 - £151,506).

The value of the Group's contributions paid to a defined benefit pension scheme in respect of the highest paid Director amounted to £7,500 (2023 - £3,750).

The Directors are considered to be the key management personnel of the Company and Group.

Page 24

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

10.


Interest receivable

2024
2023
Unaudited
£
£


Favourable bank balances
549,977
-


11.


Interest payable and similar expenses

2024
2023
Unaudited
£
£


Directors' loan interest payable
1,339
582

Other interest payable
1,589
154

2,928
736


12.


Taxation


2024
2023
Unaudited
£
£

Corporation tax


Adjustments in respect of previous periods
(86,365)
-


(86,365)
-

Foreign tax


Foreign tax on income for the year
32,192
16,684

Total current tax
(54,173)
16,684
Page 25

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
12.Taxation (continued)


Factors affecting tax charge for the year

The tax assessed for the year is higher than (2023 - higher than) the standard rate of corporation tax in the UK of25% (2023 -23%). The differences are explained below:

2024
2023
Unaudited
£
£


Loss on ordinary activities before tax
(13,626,904)
(10,341,038)


Loss on ordinary activities multiplied by standard rate of corporation tax
(3,445,386)
(2,378,439)

Effects of:


Fixed asset differences
14,525
-

Expenses not deductible for tax purposes
71,293
-

Adjustments to tax charge in respect
of previous periods
(86,365)
-

Movement in deferred tax not
recognised
3,391,760
2,395,123

Total tax charge for the year
(54,173)
16,684

The Group has accumulated tax losses of £29,445,333 (2023 - £17,687,060), for which no deferred tax asset has been recognised. These losses do not expire under current UK tax legislation. 
Management will continue to assess the recoverability of these losses in future periods and recognise a deferred tax asset when it becomes probable that taxable profits will arise.


Factors that may affect future tax charges

There were no factors that may affect future tax charges.

Page 26

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

13.


Tangible fixed assets

Group






Fixtures and fittings
Office equipment
Total

£
£
£



Cost or valuation


At 1 January 2024 (unaudited)
8,354
228,891
237,245


Additions
26,786
135,770
162,556



At 31 December 2024

35,140
364,661
399,801



Depreciation


At 1 January 2024 (unaudited)
1,609
56,673
58,282


Charge for the year
4,527
103,882
108,409



At 31 December 2024

6,136
160,555
166,691



Net book value



At 31 December 2024
29,004
204,106
233,110



At 31 December 2023 (unaudited)
6,745
172,218
178,963

Page 27

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

           13.Tangible fixed assets (continued)


Company






Fixtures and fittings
Office equipment
Total

£
£
£

Cost or valuation


At 1 January 2024
8,126
156,695
164,821


Additions
25,803
73,709
99,512


Transfers
-
(3,691)
(3,691)



At 31 December 2024

33,929
226,713
260,642



Depreciation


At 1 January 2024
1,589
39,516
41,105


Charge for the year
4,328
66,377
70,705


Transfers
-
(2,110)
(2,110)



At 31 December 2024

5,917
103,783
109,700



Net book value



At 31 December 2024
28,012
122,930
150,942



At 31 December 2023
6,537
117,179
123,716






Page 28

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

14.


Fixed asset investments

Company





Investments in subsidiary companies

£



Cost or valuation


At 1 January 2024
238,530



At 31 December 2024
238,530





Subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Registered office

Class of shares

Holding

ZILO Asia Limited
   88 Ratchadaphisek Road 7-8 Floor The Park Building, Khlong toei, Bangkok, IO110 Thailand
Ordinary
100%
ZILO UK Limited
  First Floor, 5 Fleet Place, London, United Kingdom EC4M 7RD
Ordinary
100%
ZILO Limited
  First Floor, 5 Fleet Place, London, United Kingdom EC4M 7RD
Ordinary
100%

All subsidiaries are held directly by ZILO Technology Limited.

Page 29

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

15.


Debtors

Group
Group
Company
Company
2024
2023
Unaudited
2024
2023
£
£
£
£

Due after more than one year

Deposit
8,788
8,706
-
-

Due within one year

Trade debtors
-
246,000
599
246,000

Amounts owed by group undertakings
-
-
-
81,009

VAT receivable
209,449
636,718
190,190
632,145

Prepayments
641,024
203,534
592,130
184,871

Accrued Revenue
405,075
-
405,075
-

Other debtors
618,898
552,009
618,899
552,006

Deferred costs
-
230,058
-
230,058

1,883,234
1,877,025
1,806,893
1,926,089


Amounts owed by group undertakings are unsecured, interest free and repayable on demand.


16.


Cash and cash equivalents

Group
Group
Company
Company
2024
2023
Unaudited
2024
2023
£
£
£
£

Cash at bank and in hand
8,118,012
8,676,182
8,059,521
8,660,155


Page 30

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

17.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2024
2023
Unaudited
2024
2023
£
£
£
£

Trade creditors
851,708
2,994,895
835,158
2,983,578

Amounts owed to group companies
-
-
600,555
365,245

Corporation tax
57,716
16,684
35,741
-

Other taxation and social security
686,865
521,208
668,558
515,864

Other creditors
125,443
233,502
55,384
191,307

Accruals and deferred income
1,094,697
2,225,536
952,746
2,163,139

Amounts from fundraising
-
8,889,109
-
8,889,109

2,816,429
14,880,934
3,148,142
15,108,242


Amounts owed by group undertakings are unsecured, interest free and repayable on demand.
Amounts from fundraising relates to Series A shares which were issued on 3rd January 2024. Refer to note 20.


18.


Financial instruments

Group
Group
Company
Company
2024
2023
Unaudited
2024
2023
£
£
£
£

Financial assets

Financial assets measured at amortised cost
9,008,501
9,474,187
8,767,412
9,539,170


Financial liabilities

Financial liabilities measured at amortised cost
(1,675,785)
(13,230,983)
(2,094,900)
(13,480,499)


Financial assets measured at amortised cost comprise of cash and cash equivalents and all debtors except prepayments and amounts due in relation to tax.


Financial liabilities measured at amortised cost comprise of all creditors except accruals, deferred income and amounts owed in relation to tax and social security.

Page 31

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

19.


Provisions


Group






Non - current provision for employee benefits

£





At 1 January 2024 (unaudited)
9,878


Increase during the year
116,371


Utilised during the year
(10,792)


Foreign exchange movement
(650)



At 31 December 2024
114,807

The provision for long-term employee benefit represent the Group's obligations payable to its employees when they reach a retirement age. They are determined based on the employee's age, length of employment service and salary increase rate, among other things.


20.


Share capital

2024
2023
£
£
Shares classified as equity

Allotted, called up and fully paid



341,431 (2023 - 349,264) Ordinary shares of £0.0001 each
34
34
211,604 (2023 - NIL) Series A shares of £0.0001 each
21
-

55

34





Share class
Voting status
No. of shares
No. of shares

2024
2023

Series A
Voting
156,958
-

Series A
Non-voting
54,646
-

Ordinary
Voting
327,768
335,601

Ordinary
Non-voting
13,663
13,663

553,035
349,264

Page 32

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

21.


Reserves

Share premium account

The Share premium account represents the excess consideration over the nominal value of shares.

Foreign exchange reserve

Foreign exchange reserve includes the translation differences arising from the translation of the financial statements of the Group's foreign subsidiaries into GBP.

Other reserves

The share-based payment reserve represents the cumulative fair value of equity-settled share-based payment transactions.

Profit and loss account

The Profit and loss account represents the cumulative profits and losses of the Group after the payment of dividends. 

Page 33

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

22.


Share-based payments

The total expense recognised by the Group in profit and loss in the year in respect of share-based payments was £1,798,496 (2023 -  £Nil). 
The Group introduced an equity-settled employee share option plan, under which options have been granted to individuals at an exercise price equal to an agreed price of the Company's shares on the date of the grant. The shares typically vest quarterly over five years from the grant date. Certain grants have accelerated vesting terms such that award vesting will complete across the 2024 to 2028 years.

Weighted average exercise price (pence)
2024
Number
2024

Outstanding at the beginning of the year


-

Granted during the year

83.64

59,660

Forfeited during the year

83.64

(6,220)

Outstanding at the end of the year
83.64

53,440


At 31 December 2024 no options are exercisable.

The fair value of the options was determined using the Black-Scholes option pricing model, with the following assumptions:
2024

Expected life of options


5 years

Expected volatility


35%

Risk-free interest rate


4.03%


2024
2023
£
£


23.


Contingent liabilities

The Group is currently subject to an ongoing legal claim. Due to the stage and uncertainty of legal proceedings, the Directors are unable to reliably estimate the timing or financial effect of any potential outflows. Accordingly, no provision has been made in these financial statements. The Group has an active insurance policy in place, which covers legal claims of this nature, and will continue to operate for this claim up to the limit of cover.

Page 34

 
ZILO TECHNOLOGY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

24.


Pension commitments

The Group operates defined contribution pension scheme. The assets of the scheme are held separately
from those of the Group, in independent administrative funds. The pension cost charge represents contributions payable by the Group to the funds and amounted to £297k (2023 - £61k). Contributions totaling £49k were payable at the balance sheet date (2023 - £26k).


25.


Commitments under operating leases

At 31 December 2024 the Group and the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:


Group
Group
Company
Company
2024
2023
Unaudited
2024
2023
£
£
£
£

Not later than 1 year
193,200
111,986
193,200
111,986

Later than 1 year and not later than 5 years
128,800
-
128,800
-

322,000
111,986
322,000
111,986


26.


Related party transactions

The Company and Group has taken the advantage of the exemption permitted by Section 33 Related Party Disclosures, not to provide disclosures of transactions entered into between two or more members
of a group that are wholly owned.


27.


Post balance sheet events

Subsequent to the reporting date, the Group has finalised its Series A extension funding round, securing additional capital of £19.5m to support operations through 2025 and 2026, with the aim of achieving profitability.
Series A1 Shares will be issued at £152.28 per share. The initial close of £11m finalised on 14th July 2025 with final completion due by 30th September 2025.


28.


Controlling party

The Directors do not deem there to be an individual controlling party.

Page 35