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Registered number: 04801615










FISCALTEC GROUP LIMITED










ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30 NOVEMBER 2025

 
FISCALTEC GROUP LIMITED
 

COMPANY INFORMATION


Directors
D R Griffiths 
L Griffiths 
J Raashed 




Registered number
04801615



Registered office
448 Basingstoke Road

Reading

Berkshire

RG2 0LP




Independent auditor
James Cowper Kreston Audit
Chartered Accountants and Statutory Auditor

Apex

Forbury Rd

Reading

Berkshire

RG1 1AX





 
FISCALTEC GROUP LIMITED
 

CONTENTS



Page
Group strategic report
1 - 2
Directors' report
3 - 4
Independent auditor's report
5 - 8
Consolidated statement of comprehensive income
9
Consolidated balance sheet
10
Company balance sheet
11
Consolidated statement of changes in equity
12
Company statement of changes in equity
13
Consolidated statement of cash flows
14
Consolidated analysis of net debt
15
Notes to the financial statements
16 - 28


 
FISCALTEC GROUP LIMITED
 

GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 30 NOVEMBER 2025

Introduction
 
The directors present their Strategic Report for the twelve month period ended 30 November 2025. The Group delivered a strong financial performance in the year, with significant improvement in profitability alongside continued revenue growth.

Business review
 
FISCAL Technologies is an AI-powered software business delivering risk intelligent accounts payable and procure-to-pay solutions to public sector and commercial organisations. The Group's advanced platform leverages the latest AI and intelligent automation to identify and prevent cash leakage, streamline statement reconciliations, reduce supplier risk and deliver robust financial controls across our customers' operations. The Group also provides AI-enabled proactive recovery audit services, enabling customers to maximise their payback and return on investments. The Group operates primarily in the United Kingdom through FISCAL Technologies Limited, with additional operations in the United States conducted through FISCAL Technologies Inc. The principal activity of Fiscaltec Group Limited is that of a holding company.

Group turnover for the year was £8,313,365 (2024: £7,508,687), representing growth of 10.8% year on year. Gross profit increased to £7,842,498 (2024: £7,067,133), reflecting a stable gross margin of 94.3% (2024: 94.1%), consistent with the Group’s software-led revenue mix. The improvement in operating profit was substantial: operating profit for the year was £1,404,927 (2024: £590,309), with operating profit margin increasing to 17% (2024: 8%). This reflects the increasing scalability of the Group’s software platform as the recurring revenue base has grown. Investment continued in the Group’s technology platform in line with its strategic plan, supported by strong customer retention across UK and US operations.

The Group’s financial position strengthened significantly during the year. Net assets at 30 November 2025 were £2,768,287 (2024: £1,597,110), reflecting the strong profitability of the year. The Group maintained a healthy cash position at the year end, with cash at bank and in hand of £5.3m (2024: £3.7m), providing a strong platform for continued investment and growth.

The Group enters the new financial year well-positioned for continued growth. The launch of FISCAL Technologies' AI-native Procure-to-Pay risk intelligence platform represents a significant strategic milestone, broadening the Group's addressable market beyond its established accounts payable software offering into agentic P2P risk intelligence delivered through an open, AI-agnostic architecture that enables customers to access FISCAL's spend protection capabilities through their own AI tools and investments. The directors believe this represents a compelling commercial opportunity, and that the Group's strong financial position, high-quality recurring revenue base, and continued investment in technology provide a robust platform from which to accelerate growth in the year ahead.

Principal risks and uncertainties
 
The directors have identified the following principal risks and uncertainties facing the Group:
 
Competitive environment: the accounts payable software market is subject to ongoing competitive pressure. The Group manages this risk through continued investment in its technology platform and maintaining close relationships with its customer base.
Public sector spending constraints: a proportion of the Group’s customers are in the public sector. Budgetary pressures affecting public sector organisations may reduce their ability or willingness to invest in software and services.
Financial risks: the Group is exposed to credit risk in respect of trade receivables, liquidity risk in managing its working capital requirements, and foreign exchange risk arising from its US dollar-denominated revenues and cash balances. The directors monitor these risks on an ongoing basis and have implemented appropriate controls and mitigating actions.
Cybersecurity and data protection: the Group processes sensitive financial data on behalf of its customers. A cybersecurity incident or data breach could result in reputational damage, financial loss or regulatory exposure. The Group maintains appropriate controls and regularly reviews its information security posture.

Page 1

 
FISCALTEC GROUP LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 30 NOVEMBER 2025


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



................................................
D R Griffiths
Director

Date: 22 April 2026

Page 2

 
FISCALTEC GROUP LIMITED
 

 
DIRECTORS' REPORT
FOR THE YEAR ENDED 30 NOVEMBER 2025

The directors present their report and the financial statements for the year ended 30 November 2025.

Directors

The directors who served during the year were:

D R Griffiths 
L Griffiths 
J Raashed 

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;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Group will continue in business.

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 profit for the year, after taxation, amounted to £1,074,677 (2024 - £2,051,529).



Disclosure of information to auditor

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 auditor is 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 auditor is aware of that information.

Page 3

 
FISCALTEC GROUP LIMITED
 

 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 30 NOVEMBER 2025


Auditor

The auditor, James Cowper Kreston Auditwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

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





................................................
D R Griffiths
Director

Date: 22 April 2026

Page 4

 
FISCALTEC GROUP LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF FISCALTEC GROUP LIMITED
 

Opinion


We have audited the financial statements of Fiscaltec Group Limited (the 'Parent Company') and its subsidiaries (the 'Group') for the year ended 30 November 2025, which comprise the Consolidated statement of comprehensive income, the , the Consolidated Balance Sheet, the Company Balance Sheet, the Consolidated Statement of Cash Flows, the Consolidated Statement of Changes in Equity, the Company Statement of Changes in Equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 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 30 November 2025 and of the Group's profit 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 in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council'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.


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 or 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 5

 
FISCALTEC GROUP LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF FISCALTEC GROUP LIMITED (CONTINUED)


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 ReportOur 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.


Opinion 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 the light of the knowledge and understanding of the Group and the Parent Company and its 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.


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.


Page 6

 
FISCALTEC GROUP LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF FISCALTEC GROUP LIMITED (CONTINUED)


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 Group financial statements.

Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance.

The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.

The specific procedures for this engagement that we designed and performed to detect material misstatements in respect of irregularities, including fraud, were as follows:
 
Enquiry of management and those charged with governance around actual and potential litigation and claims;
Enquiry of management and those charged with governance to identify any material instances of non-compliance with laws and regulations;
Reviewing financial statement disclosures and testing to supporting documentation to assess compliance with applicable laws and regulations;
Performing audit work to address the risk of irregularities due to management override of controls, including testing of journal entries and other adjustments for appropriateness, evaluating the business rationale of significant transactions outside the normal course of business and reviewing accounting estimates for evidence of bias.


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.


Page 7

 
FISCALTEC GROUP LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF FISCALTEC GROUP LIMITED (CONTINUED)


Use of our report
 

This report is made solely to the Company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the 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 Company and the Company's members, as a body, for our audit work, for this report, or for the opinions we have formed.






Alan Poole BA (Hons) FCA (Senior Statutory Auditor)
  
for and on behalf of
James Cowper Kreston Audit
 
Chartered Accountants and Statutory Auditor
  
Apex
Forbury Rd
Reading
Berkshire
RG1 1AX

22 April 2026
Page 8

 
FISCALTEC GROUP LIMITED
 

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 30 NOVEMBER 2025

2025
2024
£
£

  

Turnover
 4 
8,313,365
7,508,687

Cost of sales
  
(470,867)
(441,554)

Gross profit
  
7,842,498
7,067,133

Administrative expenses
  
(6,437,571)
(6,476,824)

Operating profit
 5 
1,404,927
590,309

Interest receivable and similar income
 9 
72,215
18,957

Profit before taxation
  
1,477,142
609,266

Tax on profit
  
(402,465)
1,442,263

Profit for the financial year
  
1,074,677
2,051,529

  

Currency translation differences
  
(34,624)
21

Other comprehensive income for the year
  
(34,624)
21

Total comprehensive income for the year
  
1,040,053
2,051,550

Profit for the year attributable to:
  

Owners of the parent Company
  
1,074,677
2,051,529

  
1,074,677
2,051,529

There were no recognised gains and losses for 2025 or 2024 other than those included in the consolidated statement of comprehensive income.

The notes on pages 16 to 28 form part of these financial statements.

Page 9

 
FISCALTEC GROUP LIMITED
REGISTERED NUMBER: 04801615

CONSOLIDATED BALANCE SHEET
AS AT 30 NOVEMBER 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 11 
45,458
84,324

  
45,458
84,324

Current assets
  

Debtors
 13 
2,820,872
2,948,740

Cash at bank and in hand
 14 
5,320,423
3,709,277

  
8,141,295
6,658,017

Current liabilities
  

Creditors: amounts falling due within one year
 15 
(5,364,458)
(5,020,997)

Net current assets
  
 
 
2,776,837
 
 
1,637,020

Total assets less current liabilities
  
2,822,295
1,721,344

Non-current liabilities
  

Creditors: amounts falling due after more than one year
  
(54,008)
(124,234)

Net assets
  
2,768,287
1,597,110


Capital and reserves
  

Called up share capital 
 19 
23,170
22,807

Share premium account
 21 
5,221,370
5,193,056

Profit and loss account
 21 
(2,476,253)
(3,618,753)

  
2,768,287
1,597,110


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




................................................
D R Griffiths
Director

Date: 22 April 2026

The notes on pages 16 to 28 form part of these financial statements.

Page 10

 
FISCALTEC GROUP LIMITED
REGISTERED NUMBER: 04801615

COMPANY BALANCE SHEET
AS AT 30 NOVEMBER 2025

2025
2024
Note
£
£

Fixed assets
  

Investments
 12 
3,300,064
3,300,064

  
3,300,064
3,300,064

Current assets
  

Debtors
 13 
1,914,054
1,904,732

Cash at bank and in hand
 14 
81,225
103,517

  
1,995,279
2,008,249

Current Liabilities
  

Creditors: amounts falling due within one year
 15 
(33,697)
(103,018)

Net current assets
  
 
 
1,961,582
 
 
1,905,231

Total assets less current liabilities
  
5,261,646
5,205,295

  

Net assets
  
5,261,646
5,205,295


Capital and reserves
  

Called up share capital 
 19 
23,170
22,807

Share premium account
 21 
5,221,370
5,193,056

Profit and loss account
 21 
17,106
(10,568)

  
5,261,646
5,205,295


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


................................................
D R Griffiths
Director

Date: 22 April 2026

The notes on pages 16 to 28 form part of these financial statements.

Page 11

 
FISCALTEC GROUP LIMITED
 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 30 NOVEMBER 2025


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

£
£
£
£

At 1 December 2024
22,807
5,193,056
(3,618,753)
1,597,110


Comprehensive income for the year

Profit for the year
-
-
1,074,677
1,074,677

Currency translation differences
-
-
34,624
34,624

Share based payment charge
-
-
33,199
33,199


Contributions by and distributions to owners

Shares issued during the year
363
28,314
-
28,677


At 30 November 2025
23,170
5,221,370
(2,476,253)
2,768,287


The notes on pages 16 to 28 form part of these financial statements.


CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 30 NOVEMBER 2024


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

£
£
£
£

At 1 December 2023
22,615
5,187,498
(5,670,303)
(460,190)


Comprehensive income for the year

Profit for the year
-
-
2,051,529
2,051,529

Currency translation differences
-
-
21
21


Contributions by and distributions to owners

Shares issued during the year
192
5,558
-
5,750


At 30 November 2024
22,807
5,193,056
(3,618,753)
1,597,110


The notes on pages 16 to 28 form part of these financial statements.

Page 12

 
FISCALTEC GROUP LIMITED
 

COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 30 NOVEMBER 2025


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

£
£
£
£

At 1 December 2024
22,807
5,193,056
(10,568)
5,205,295


Comprehensive income for the year

Loss for the year
-
-
(5,525)
(5,525)

Share based payment charge
-
-
33,199
33,199


Contributions by and distributions to owners

Shares issued during the year
363
28,314
-
28,677


At 30 November 2025
23,170
5,221,370
17,106
5,261,646


The notes on pages 16 to 28 form part of these financial statements.


COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 30 NOVEMBER 2024


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

£
£
£
£

At 1 December 2023
22,615
5,187,498
10,167
5,220,280


Comprehensive income for the year

Loss for the year
-
-
(20,735)
(20,735)


Contributions by and distributions to owners

Shares issued during the year
192
5,558
-
5,750


At 30 November 2024
22,807
5,193,056
(10,568)
5,205,295


The notes on pages 16 to 28 form part of these financial statements.

Page 13

 
FISCALTEC GROUP LIMITED
 

CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 30 NOVEMBER 2025

2025
2024
£
£

Cash flows from operating activities

Profit for the financial year
1,074,677
2,051,529

Adjustments for:

Depreciation of tangible assets
62,000
63,531

Taxation charge/(credit)
402,465
(1,442,263)

(Increase)/decrease in accounts receivable
(291,733)
296,030

(Increase)/decrease in prepayments and other assets
17,216
(34,448)

Increase/(decrease) in accounts payable
(7,905)
(9,169)

Increase/(decrease) in accruals and other creditors
(16,895)
53,168

Increase/(decrease) in deferred revenue
216,406
319,593

Increase/(decrease) in taxes incl PAYE, NI and VAT
81,628
(22,519)

Foreign exchange
34,563
-

Share based payment charge
33,199
-

Net cash generated from operating activities

1,605,621
1,275,452


Cash flows from investing activities

Purchase of tangible fixed assets
(23,152)
(21,839)

Net cash from investing activities

(23,152)
(21,839)

Cash flows from financing activities

Issue of ordinary shares
28,677
5,750

Net cash used in financing activities
28,677
5,750

Net increase in cash and cash equivalents
1,611,146
1,259,363

Cash and cash equivalents at beginning of year
3,709,277
2,449,914

Cash and cash equivalents at the end of year
5,320,423
3,709,277


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
5,320,423
3,709,277

5,320,423
3,709,277


The notes on pages 16 to 28 form part of these financial statements.

Page 14

 
FISCALTEC GROUP LIMITED
 

CONSOLIDATED ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 30 NOVEMBER 2025




At 1 December 2024
Cash flows
At 30 November 2025
£

£

£

Cash at bank and in hand

3,709,277

1,611,146

5,320,423


3,709,277
1,611,146
5,320,423

The notes on pages 16 to 28 form part of these financial statements.

Page 15

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

1.


General information

Fiscaltec Group Limited is a limited liability company incorporated in England and Wales. The address of its registered office is 448 Basingstoke Road, Reading, Berkshire, RG2 0LP. 

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 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

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.

The consolidated financial statements incorporate the results of business combinations using the purchase method. In the Balance sheet, the acquiree's identifiable assets, liabilities and contingent liabilities are initially recognised at their fair values at the acquisition date. The results of acquired operations are included in the Consolidated statement of comprehensive income from the date on which control is obtained. They are deconsolidated from the date control ceases.

 
2.3

Going concern

The group has substantial cash reserves and, having reviewed recent trading results, the cash flow forecasts and the funding in place, the directors are confident that the group can and will continue to operate on a going concern basis for the foreseeable future.

 
2.4

Revenue

Revenue, which excludes value added tax and similar based taxes, represents subscription revenue and professional services.
 
Subscription revenue comprises recurring annual fees from subscribers to the group’s cloud-based software products.  Subscribers are typically billed annually, although some customers have historically paid multiple years in advance. Unearned revenue received at the balance sheet date is recognised in the balance sheet as deferred income and is included within current and non-current liabilities.  
 
Subscription revenue is recognised over time as performance obligations under contracts with customers are met.  Performance obligations for subscriptions to the group’s cloud-based software consist of the provisioning of the software and related support services over the term of the contract.
 
Revenue from professional services is recognised over the period that the services are provided. 

Page 16

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

2.Accounting policies (continued)

 
2.5

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.

Depreciation is provided on the following basis:

Short-term leasehold property
-
Over the term of the lease
Equipment
-
20-50% straight line

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.

 
2.6

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 except when deferred in other comprehensive income as qualifying cash flow hedges.

Foreign exchange gains and losses that relate to borrowings and cash and cash equivalents are presented in the Consolidated statement of comprehensive income within administrative expenses. All other foreign exchange gains and losses are presented in profit or loss within 'other operating income'.

On consolidation, the results of overseas operations are translated into Sterling at rates approximating to those ruling when 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 translating the opening net assets at opening rate and the results of overseas operations at actual rate are recognised in other comprehensive income

Page 17

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

2.Accounting policies (continued)

 
2.7

Operating leases: the Group as lessee

Rentals paid under operating leases are charged to profit or loss on a straight-line basis over the lease term.

 
2.8

Interest income

Interest income is recognised in profit or loss using the effective interest method.

 
2.9

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

 
2.10

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.

 
2.11

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.

In the Consolidated statement of cash flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the Group's cash management.

 
2.12

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.

 
2.13

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.
 
Increases in provisions are generally charged as an expense to profit or loss.

 
2.14

Financial instruments

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

Page 18

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

2.Accounting policies (continued)

 
2.15

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 Balance sheet. The assets of the plan are held separately from the Group in independently administered funds.

 
2.16

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. 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 balance sheet 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 balance sheet 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.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the balance sheet date.



3.


Judgments in applying accounting policies and key sources of estimation uncertainty

The preparation of financial statements in conformity with FRS 102 requires management to make judgements, estimates and assumptions that affect the application of policies and reported amounts of assets, liabilities, income and expenses. The estimates and associated assumptions are based on experience and various other factors that are believed to be reasonable under the circumstances, the results of which form the basis of making judgements about carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis.

The Directors do not consider there to be any critical accounting estimates or judgements that could materially alter the performance or position of the Company in the coming year.

Page 19

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

4.


Turnover

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


2025
2024
£
£

Software subscription
7,188,326
6,335,493

Professonal Services
951,285
969,227

Marketing Income
173,754
203,967

8,313,365
7,508,687


Analysis of turnover by country of destination:

2025
2024
£
£

United Kingdom
6,803,313
5,882,516

Rest of Europe
386,950
365,746

Rest of the world
1,123,102
1,260,425

8,313,365
7,508,687



5.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Depreciaton
62,018
78,340

Exchange differences
36,184
82,515

Other operating lease rentals
108,224
80,534


6.


Auditor's remuneration

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


2025
2024
£
£

Fees payable to the Company's auditor for the audit of the consolidated and Parent Company's financial statements
13,500
12,600

Page 20

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

7.


Employees

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


Group
Group
2025
2024
£
£


Wages and salaries
4,267,961
4,273,021

Social security costs
552,642
508,419

Cost of defined contribution scheme
142,553
130,455

4,963,156
4,911,895


The average monthly number of employees, including the directors, during the year was as follows:


        2025
        2024
            No.
            No.







Employees
63
64


8.


Directors' remuneration

2025
2024
£
£

Directors' emoluments
396,698
409,706

Group contributions to defined contribution pension schemes
14,052
13,124

410,750
422,830


During the year retirement benefits were accruing to no directors (2024 - NIL) in respect of defined contribution pension schemes.

The highest paid director received remuneration of £149,033 (2024 - £159,952).

The value of the Group's contributions paid to a defined contribution pension scheme in respect of the highest paid director amounted to £5,059 (2024 - £4,941).


9.


Interest receivable

2025
2024
£
£


Bank interest receivable
72,215
18,957

72,215
18,957

Page 21

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

10.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
4,221
(39,264)


4,221
(39,264)


Total current tax
4,221
(39,264)

Deferred tax


Origination and reversal of timing differences
398,244
(1,402,999)

Total deferred tax
398,244
(1,402,999)


Tax on profit
402,465
(1,442,263)

Factors affecting tax charge for the year

The tax assessed for the year is higher than (2024 - lower than) the standard rate of corporation tax in the UK of 25% (2024 - 25%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
1,477,142
609,266


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 25%)
363,593
152,717

Effects of:


Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
2,873
1,260

Group relief surrendered/(claimed)
-
(343)

Other permanent differences
1,860
452

Adjustments to tax charge in respect of prior periods
(3,910)
(44,598)

Adjustments to tax charge in respect of previous periods - Deferred tax
36,634
-

Movement in deferred tax not recognised
1,415
(1,551,751)

Total tax charge for the year
402,465
(1,442,263)

Page 22

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

11.


Tangible fixed assets

Group



Short-term leasehold property
Equipment
Total

£
£
£



Cost or valuation


At 1 December 2024
41,976
517,959
559,935


Additions
882
22,270
23,152


Disposals
-
(179,891)
(179,891)


Exchange adjustments
-
(583)
(583)



At 30 November 2025

42,858
359,755
402,613



Depreciation


At 1 December 2024
33,794
441,817
475,611


Charge for the year 
7,729
54,271
62,000


Disposals
-
(179,891)
(179,891)


Exchange adjustments
-
(565)
(565)



At 30 November 2025

41,523
315,632
357,155



Net book value



At 30 November 2025
1,335
44,123
45,458



At 30 November 2024
8,182
76,142
84,324

Page 23

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

12.


Fixed asset investments

Company





Investments in subsidiary companies

£



Cost or valuation


At 1 December 2024
3,300,064



At 30 November 2025
3,300,064





Subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Registered office

Class of shares

Holding

Fiscal Technologies Ltd
448 Basingstoke Road, Reading, Berkshire, United Kingdom, RG2 0LP
Ordinary
100%
Fiscal Technologies Inc
1201 N Market Street, Suite 806, City of Wilmington, New Castle, DE 19801
Ordinary
100%
Accounts Payable News Ltd
Quadrant House, Broad Street Mall, Reading, England, RG1 7QE
Ordinary
100%


13.


Debtors

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Due after more than one year

Other debtors
198,269
183,269
-
-

198,269
183,269
-
-

Due within one year

Trade debtors
1,299,701
1,007,968
-
-

Amounts owed by group undertakings
-
-
1,911,185
1,853,731

Other debtors
69,182
95,035
-
4,171

Prepayments and accrued income
248,965
259,469
2,869
46,830

Deferred taxation
1,004,755
1,402,999
-
-

2,820,872
2,948,740
1,914,054
1,904,732


Page 24

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

14.


Cash and cash equivalents

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Cash at bank and in hand
5,320,423
3,709,277
81,225
103,517

5,320,423
3,709,277
81,225
103,517



15.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Trade creditors
123,080
130,987
-
52,893

Corporation tax
6,353
1,667
-
-

Other taxation and social security
451,006
374,062
3,872
-

Other creditors
61,298
79,978
-
-

Accruals and deferred income
4,722,721
4,434,303
29,825
50,125

5,364,458
5,020,997
33,697
103,018



16.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Accruals and deferred income
54,008
124,234

54,008
124,234


Page 25

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

17.


Financial instruments

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Financial assets

Cash at bank and in hand
5,320,423
3,709,277
81,225
103,517

Financial assets that are debt instruments measured at amortised cost
1,567,152
1,286,165
1,911,184
1,857,902

6,887,575
4,995,442
1,992,409
1,961,419


Financial liabilities

Financial liabilities measured at amortised cost
4,961,107
4,769,502
29,825
103,018


Financial assets that are debt instruments measured at amortised cost comprise trade debtors, amounts owed by group undertakings and other debtors.


Financial liabilities measured at amortised cost comprise bank overdrafts, bank loans, trade creditors, amounts owed to group undertakings, finance lease liabilities, accruals and retentions owed to
subcontractors.

Page 26

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

18.


Deferred taxation


Group





2025


£






At beginning of year
1,402,999


Credited to profit or loss
(398,244)



At end of year
1,004,755









Group
Group
2025
2024
£
£

Accelerated capital allowances
-
(17,539)

Tax losses carried forward
1,402,999
1,420,538

Charged to the profit or loss
(398,244)
-

1,004,755
1,402,999

The group has tax losses carried forward of £4,022,218 which represent a deferred tax asset of £1,004,755. This asset was recognised (net of a small deferred tax liability as shown above) for the first time during the year ended 30 November 2024 as the directors now have sufficient confidence that it is more likely than not that the losses will be utilised in the foreseeable future.


19.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



346,079 (2024 - 338,819) Ordinary shares of £0.05 each
17,303.95
16,940.95
117,323 (2024 - 117,323) A Ordinary shares of £0.05 each
5,866.15
5,866.15

23,170.10

22,807.10


During the year 7,260 Ordinary shares of £0.05 each were issued at premium (£3.95 per share) for total consideration of £28,677 prior to issue costs.

Page 27

 
FISCALTEC GROUP LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 NOVEMBER 2025

20.


Share-based payments

During the year the company issued 29,828 share options (2024: 6,639). The exercise price for the shares was £3.95 and £4.50 and vested immediately. The share based payment charge for the year was immaterial and therefore the directors consider it appropriate to not have a detailed note for the transaction in the financial statements. 


21.


Reserves

Share premium account

Includes any premiums received over and above the nominal value on issue of share capital. Any transaction costs associated with the issuing of shares are deducted from share premium.

Profit and loss account

The profit and loss account includes all current and prior period profits and losses.


22.


Pension commitments

The Group operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Group in an independently administered fund. The pension charge represents contributions payable by the Group to the fund and amounted to £142,553 (2024: £130,455). Contributions totalling £33,679 (2024: £50,000) were payable to the fund at the balance sheet date and are included in creditors.


23.


Commitments under operating leases

At 30 November 2025 the Group had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2025
2024
Group
£
£


Not later than 1 year
108,377
104,382

Later than 1 year and not later than 5 years
40,711
131,466

149,088
235,848


24.


Related party transactions

The Company is exempt from disclosing related party transactions with other 100% owned members of the Group headed by Fiscaltec Group Limited by virtue of FRS 102 section 33.1A.

At the year end, included in other debtors is a balance of £198,269 (2024: £183,269) owed by the directors of the company.  


25.


Controlling party

The directors regard D Griffiths as the ultimate controlling party of the company.

Page 28