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Registration number: 15953085

11:FS Holdings Ltd

Annual Report and Consolidated Financial Statements

for the Period from 12 September 2024 to 31 December 2025

 

11:FS Holdings Ltd

Contents

Company Information

1

Directors' Report

2 to 3

Statement of Directors' Responsibilities

4

Independent Auditor's Report

5 to 8

Consolidated Profit and Loss Account

9

Consolidated Statement of Comprehensive Income

10

Consolidated Balance Sheet

11

Balance Sheet

12

Consolidated Statement of Changes in Equity

13

Statement of Changes in Equity

14

Notes to the Financial Statements

15 to 26

 

11:FS Holdings Ltd

Company Information

Directors

S A Meadows

A Kozliar

D M Brear

E Silver

M Koretskiy

Registered office

Mindspace 9 Appold Street
8th Floor
London
England
EC2A 2AP

Bankers

Revolut Bank UK Limited
7 Westferry Circus
Canary Wharf
London
E14 4HD

Auditors

Lambert Chapman LLP
Chartered Accountants and Registered Statutory Auditors
3 Warners Mill
Silks Way
Braintree
Essex
CM7 3GB

 

11:FS Holdings Ltd

Directors' Report for the Period from 12 September 2024 to 31 December 2025

The directors present their report and the for the period from 12 September 2024 to 31 December 2025.

Incorporation

The company was incorporated and commenced trading on 12 September 2024

Directors of the group

The directors who held office during the period were as follows:

S A Meadows (appointed 15 September 2025)

J Campbell (appointed 12 September 2024 and ceased 15 September 2025)

A Kozliar (appointed 12 September 2024)

D M Brear (appointed 15 September 2025)

E Silver (appointed 15 September 2025)

M Koretskiy (appointed 15 September 2025)

Principal activity

The principal activity of the company is that of a holding company.

The principal activity of the group is building a Financial Services Operating System that enables neobanks, big banks and non-banks alike to launch unique fintech products quickly.

Going concern

The financial statements have been prepared on a going concern basis, which presumes that the Group and Company will be able to realise its assets and discharge its liabilities in the normal course of operations.

At the balance sheet date, the Company’s liabilities exceeded its assets by £392,899. At the balance sheet date, the Company is owed £2,320,302 from its Subsidiary Company.

At the balance sheet date, the Group's assets exceeded its liabilities by £2,734,010.

During the year the Company purchased the shares for 11:FS Foundry Limited and Kinsworth Services Ltd (formerly Arnaud Technology Limited) as part of an organisational restructure. A letter of support has been provided from a company under common control to the Parent Company and Group which covers this entity confirming its intention to continue supporting the Company and Group for the next 12 months from the date of approval of the financial statements. At the date of approval of the financial statements it is the intention for a further organisation restructure to take place with the company under common control after the signing of the financial statements. Please see Note 13 for further information.

 

11:FS Holdings Ltd

Directors' Report for the Period from 12 September 2024 to 31 December 2025

Important non adjusting events after the financial period

On 14 April 2026, the Company allotted and issued to an external investor 157 Series A Shares with a nominal value of £0.000001 each for total consideration of £5,000,000. On 22 July 2026, the Company allotted and issued a further 157 Series A Shares to this investor with a nominal value of £0.000001 each for total consideration of £5,000,000.

As at the date of approval of the financial statements, it is the intention to carry out a further organisation restructure with a newly incorporated company registered in Jersey with clearance being accepted by HM Revenue & Customs. No binding agreement has been sign at this date.

Disclosure of information to the auditor

Each director has taken steps that they ought to have taken as a director in order to make themselves aware of any relevant audit information and to establish that the company's auditor is aware of that information. The directors confirm that there is no relevant information that they know of and of which they know the auditor is unaware.

Small companies provision statement

This report has been prepared in accordance with special provisions relating to companies subject to the small companies regime within Part 15 of the Companies Act 2006.

Approved by the Board on 8 September 2026 and signed on its behalf by:

................................................
D M Brear
Director

 

11:FS Holdings Ltd

Statement of Directors' Responsibilities

The directors acknowledge their responsibilities for preparing the Annual Report and the 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 United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law). 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 of the profit or loss of the company for that period. In preparing these financial statements, the directors are required to:

select suitable accounting policies and apply them consistently;

make judgements and accounting estimates that are reasonable and prudent;

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

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the company 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 enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The directors are responsible for the maintenance and integrity of the corporate and financial information included on the company's website. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

 

11:FS Holdings Ltd

Independent Auditor's Report to the Members of 11:FS Holdings Ltd

Opinion

We have audited the financial statements of 11:FS Holdings Ltd (the 'parent company') and its subsidiaries (the 'group') for the period from 12 September 2024 to 31 December 2025, which comprise the Consolidated Profit and Loss Account, Consolidated Statement of Comprehensive Income, Consolidated Balance Sheet, Balance Sheet, Consolidated Statement of Changes in Equity, Statement of Changes in Equity, 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 Financial Reporting Standard 102 Section 1A '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 the parent company's affairs as at 31 December 2025 and of the group's loss for the period 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 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.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the director's 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 company's ability to continue as a going concern for a period of at least twelve months from when the original financial statements were 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.

Other information

The directors are responsible for the other information. The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. 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.

In connection with our audit of the financial statements, 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 audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. 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.

 

11:FS Holdings Ltd

Independent Auditor's Report to the Members of 11:FS Holdings Ltd

Opinion on other matter 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 Directors' Report for the financial period for which the financial statements are prepared is consistent with the financial statements; and

the Directors' Report has been prepared in accordance with applicable legal requirements.

Matters on which we are required to report by exception

In the light of our 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 Directors' Report.

We have nothing to report in respect of the following matters where 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 Statement of Directors' Responsibilities set out on page 4, 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.

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. Our approach to identifying and assessing the risks of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, was as follows:

 

11:FS Holdings Ltd

Independent Auditor's Report to the Members of 11:FS Holdings Ltd

the engagement partner ensured that the engagement team collectively had the appropriate competence, capabilities and skills to identify or recognise non-compliance with applicable laws and regulations;

we identified the laws and regulations applicable to the group through discussions with directors and other management, and from our commercial knowledge and experience of the financial services and technology sectors;

we focused on specific laws and regulations which we considered may have a direct material effect on the financial statements or the operations of the group, including the Companies Act 2006, taxation legislation and data protection and employment legislation;

we assessed the extent of compliance with the laws and regulations identified above through making enquiries of management and inspecting legal correspondence; and

identified laws and regulations were communicated within the audit team regularly and the team remained alert to instances of non-compliance throughout the audit.

We assessed the susceptibility of the group's financial statements to material misstatement, including obtaining an understanding of how fraud might occur, by;

 

making enquiries of management as to where they considered there was susceptibility to fraud, their knowledge of actual, suspected and alleged fraud; and

considering the internal controls in place to mitigate risks of fraud and non-compliance with laws and regulations.

To address the risk of fraud through management bias and override of controls, we:

performed analytical procedures to identify any unusual or unexpected relationships;

tested journal entries to identify unusual transactions;

assessed whether judgements and assumptions made in determining the accounting estimates were indicative of potential bias; and

investigated the rationale behind significant or unusual transactions.

In response to the risk of irregularities and non-compliance with laws and regulations, we designed procedures which included, but were not limited to:

agreeing financial statement disclosures to underlying supporting documentation;

reading the minutes of meetings of those charged with governance; and

enquiring of management as to actual and potential litigation and claims.

There are inherent limitations in our audit procedures described above. The more removed that laws and regulations are from financial transactions, the less likely it is that we would become aware of non-compliance. Auditing standards also limit the audit procedures required to identify non-compliance with laws and regulations to enquiry of the directors and other management and the inspection of regulatory and legal correspondence, if any.

Material misstatements that arise due to fraud can be harder to detect than those that arise from error as they may involve deliberate concealment or collusion.

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

 

11:FS Holdings Ltd

Independent Auditor's Report to the Members of 11:FS Holdings Ltd

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 2006. Our 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.

......................................
Nicholas Forsyth FCA (Senior Statutory Auditor)
For and on behalf of Lambert Chapman LLP, Statutory Auditor

3 Warners Mill
Silks Way
Braintree
Essex
CM7 3GB

8 September 2026

 

11:FS Holdings Ltd

Consolidated Profit and Loss Account for the Period from 12 September 2024 to 31 December 2025

2025
£

Turnover

72,889

Cost of sales

(2,177,312)

Gross loss

(2,104,423)

Administrative expenses

(611,212)

Operating loss

(2,715,635)

Other interest receivable and similar income

3,125

Interest payable and similar expenses

(41,421)

Loss before tax

(2,753,931)

Taxation

19,921

Loss for the financial period

(2,734,010)

Profit/(loss) attributable to:

Owners of the company

(2,734,010)

The above results were derived from continuing operations.

The group has no recognised gains or losses for the period other than the results above.

 

11:FS Holdings Ltd

Consolidated Statement of Comprehensive Income for the Period from 12 September 2024 to 31 December 2025

2025
£

Loss for the period

(2,734,010)

Total comprehensive income for the period

(2,734,010)

Total comprehensive income attributable to:

Owners of the company

(2,734,010)

 

11:FS Holdings Ltd

(Registration number: 15953085)
Consolidated Balance Sheet as at 31 December 2025

Note

2025
£

Fixed assets

 

Intangible assets

4

1,234,381

Tangible assets

5

8,935

4

1,243,316

Current assets

 

Debtors

8

89,965

Cash at bank and in hand

 

128,977

 

218,942

Creditors: Amounts falling due within one year

9

(2,530,368)

Net current liabilities

 

(2,311,426)

Total assets less current liabilities

 

(1,068,110)

Creditors: Amounts falling due after more than one year

9

(1,665,900)

Net liabilities

 

(2,734,010)

Capital and reserves

 

Called up share capital

10

-

Profit and loss account

(2,734,010)

Equity attributable to owners of the company

 

(2,734,010)

Total equity

 

(2,734,010)

Approved and authorised by the Board on 8 September 2026 and signed on its behalf by:
 

.........................................

D M Brear
Director

 

11:FS Holdings Ltd

(Registration number: 15953085)
Balance Sheet as at 31 December 2025

Note

2025
£

Fixed assets

 

Intangible assets

4

2,390

Investments

6

1,135,000

 

1,137,390

Current assets

 

Debtors

8

2,366,738

Cash at bank and in hand

 

111,229

 

2,477,967

Creditors: Amounts falling due within one year

9

(2,342,356)

Net current assets

 

135,611

Total assets less current liabilities

 

1,273,001

Creditors: Amounts falling due after more than one year

9

(1,665,900)

Net liabilities

 

(392,899)

Capital and reserves

 

Called up share capital

10

-

Profit and loss account

(392,899)

Total equity

 

(392,899)

The company has opted to take the exemption under section 408 of the Companies Act 2006 to omit its profit and loss account.

The company made a loss after tax for the financial period of £392,899.
 

Approved and authorised by the Board on 8 September 2026 and signed on its behalf by:
 

.........................................

D M Brear
Director

 

11:FS Holdings Ltd

Consolidated Statement of Changes in Equity for the Period from 12 September 2024 to 31 December 2025
Equity attributable to the parent company

Share capital
£

Profit and loss account
£

Total
£

Loss for the period

-

(2,734,010)

(2,734,010)

At 31 December 2025

-

(2,734,010)

(2,734,010)

 

11:FS Holdings Ltd

Statement of Changes in Equity for the Period from 12 September 2024 to 31 December 2025

Share capital
£

Profit and loss account
£

Total
£

Loss for the period

-

(392,899)

(392,899)

At 31 December 2025

-

(392,899)

(392,899)

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

1

General information

The company is a private company limited by share capital, incorporated in England & Wales on 12 September 2024.

The financial statements have been prepared for the period from 12 September 2024 to 31 December 2025.

The address of its registered office is: Mindspace 9 Appold Street, 8th Floor, London, England, EC2A 2AP.

2

Accounting policies

Summary of significant accounting policies and key accounting estimates

The principal accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

Statement of compliance

These financial statements have been prepared in accordance with Financial Reporting Standard 102 Section 1A smaller entities - 'The Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland' and the Companies Act 2006 (as applicable to companies subject to the small companies' regime).

Basis of preparation

These financial statements have been prepared using the historical cost convention.

These financial statements are presented in Sterling (£), which is the company's functional currency.

Basis of consolidation

The consolidated financial statements consolidate the financial statements of the company and its subsidiary undertakings drawn up to 31 December 2025.

A subsidiary is an entity controlled by the company. Control is achieved where the company has the power to govern the financial and operating policies of an entity so as to obtain benefits from its activities.

The results of subsidiaries acquired or disposed of during the year are included in the Profit and Loss Account from the effective date of acquisition or up to the effective date of disposal, as appropriate. Where necessary, adjustments are made to the financial statements of subsidiaries to bring their accounting policies into line with those used by the group.

The purchase method of accounting is used to account for business combinations that result in the acquisition of subsidiaries by the group. The cost of a business combination is measured as the fair value of the assets given, equity instruments issued and liabilities incurred or assumed at the date of exchange, plus costs directly attributable to the business combination. Identifiable assets acquired and liabilities and contingent liabilities assumed in a business combination are measured initially at their fair values at the acquisition date. Any excess of the cost of the business combination over the acquirer’s interest in the net fair value of the identifiable assets, liabilities and contingent liabilities recognised is recorded as goodwill.

Inter-company transactions, balances and unrealised gains on transactions between the company and its subsidiaries, which are related parties, are eliminated in full.

Intra-group losses are also eliminated but may indicate an impairment that requires recognition in the consolidated financial statements.

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

Going concern

The financial statements have been prepared on a going concern basis, which presumes that the Group and Company will be able to realise its assets and discharge its liabilities in the normal course of operations.

At the balance sheet date, the Company’s liabilities exceeded its assets by £392,899. At the balance sheet date, the Company is owed £2,320,302 from its Subsidiary Company.

At the balance sheet date, the Group's assets exceeded its liabilities by £2,734,010.

During the year the Company purchased the shares for 11:FS Foundry Limited and Kinsworth Services Ltd (formerly Arnaud Technology Limited) as part of an organisational restructure. A letter of support has been provided from a company under common control to the Parent Company and Group which covers this entity confirming its intention to continue supporting the Company and Group for the next 12 months from the date of approval of the financial statements. At the date of approval of the financial statements it is the intention for a further organisation restructure to take place with the company under common control after the signing of the financial statements. Please see Note 13 for further information.

Judgements

Apart from those judgements involving estimations, the management team have not made any judgements in the process of applying the entity's accounting policies that have significant effect on amounts recognised in the accounts.

Key sources of estimation uncertainty

There are no key assumptions concerning the future or other key sources of estimation at the reporting date that we have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next reporting period.

Revenue recognition

Turnover comprises the fair value of the consideration received or receivable for the sale of goods and provision of services in the ordinary course of the company's activities. Turnover is shown net of the value added tax, returns, rebates and discounts.

The group recognises revenue when:
• The amount of revenue can be reliably measured;
• it is probable that future economic benefits will flow to the entity;
• and specific criteria have been met for each of the group's activities.

Foreign currency transactions and balances

Transactions in foreign currencies are initially recorded at the functional currency rate prevailing at the date of the transaction. Monetary assets and liabilities denominated in foreign currencies are retranslated into the respective functional currency of the entity at the rates prevailing on the reporting period date. Non-monetary items carried at fair value that are denominated in foreign currencies are retranslated at the rate on the date when the fair value is re-measured.

Non-monetary items measured in terms of historical cost in a foreign currency are not retranslated.

Tax

Current Tax is recognised in the profit and loss account, except that a change attributable to an item of income or expense recognised as other comprehensive income is also recognised directly in other comprehensive income.

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

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 operates and generates taxable income.

Deferred tax is recognised on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the financial statements and on unused tax losses or tax credits in the Company. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the reporting date.

Tangible assets

Tangible assets are stated in the statement of financial position at cost, less any subsequent accumulated depreciation.

Depreciation

Depreciation is charged so as to write off the cost or valuation of assets, other than land and properties under construction over their estimated useful lives, as follows:

Asset class

Depreciation method and rate

Office equipment

3 years straight line

Goodwill

Goodwill arising on the acquisition of an entity represents the excess of the cost of acquisition over the group’s interest in the net fair value of the identifiable assets, liabilities and contingent liabilities of the entity recognised at the date of acquisition. Goodwill is initially recognised as an asset at cost and is subsequently measured at cost less accumulated amortisation and accumulated impairment losses. Goodwill is held in the currency of the acquired entity and revalued to the closing rate at each reporting period date. Goodwill is amortised over its useful life, which shall not exceed ten years if a reliable estimate of the useful life cannot be made.

Amortisation

Amortisation is provided on intangible assets so as to write off the cost, less any estimated residual value, over their useful life as follows:

Asset class

Amortisation method and rate

Goodwill

Straight line over 10 years

Investments

Investments in equity shares which are not publicly traded and where fair value cannot be measured reliably are measured at cost less impairment.

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits.

Debtors

Trade debtors are amounts due from customers for services performed in the ordinary course of business.

Creditors

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers. Accounts payable are classified as current liabilities if the company does not have an unconditional right, at the end of the reporting period, to defer settlement of the creditor for at least twelve months after the reporting date. If there is an unconditional right to defer settlement for at least twelve months after the reporting date, they are presented as non-current liabilities.

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

Borrowings

Interest-bearing borrowings are initially recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently carried at amortised cost, with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the Profit and Loss Account over the period of the relevant borrowing.

Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar charges.

Borrowings are classified as current liabilities unless the group has an unconditional right to defer settlement of the liability for at least twelve months after the reporting date.

Share capital

Ordinary shares are classified as equity.

Financial instruments

Classification
The Company has chosen to adopt Sections 11 and 12 of FRS 102 in respect of financial instruments.

 Recognition and measurement
A financial asset or a financial liability is recognised only when the entity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the transaction price, unless the arrangement constitutes a financing transaction, where it is recognised at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Debt instruments are subsequently measured at amortised cost.

 Impairment
Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised in profit or loss immediately.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised in profit or loss immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

3

Staff numbers

The average number of persons employed by the company (including directors) during the year was 5.

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

4

Intangible assets

Group

Goodwill
 £

Domain
 £

Total
£

Cost or valuation

Additions acquired separately

1,356,320

2,390

1,358,710

At 31 December 2025

1,356,320

2,390

1,358,710

Amortisation

Amortisation charge

124,329

-

124,329

At 31 December 2025

124,329

-

124,329

Carrying amount

At 31 December 2025

1,231,991

2,390

1,234,381

Company

Domain
 £

Total
£

Cost or valuation

Additions acquired separately

2,390

2,390

At 31 December 2025

2,390

2,390

Amortisation

Carrying amount

At 31 December 2025

2,390

2,390

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

5

Tangible assets

Group

Office equipment
 £

Total
£

Cost or valuation

Additions

11,448

11,448

Acquired through business combinations

68,763

68,763

At 31 December 2025

80,211

80,211

Depreciation

Charge for the period

2,513

2,513

Depreciation acquired through business combinations

68,763

68,763

At 31 December 2025

71,276

71,276

Carrying amount

At 31 December 2025

8,935

8,935

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

6

Investments

Company

2025
£

Investments in subsidiaries

1,135,000

Subsidiaries

£

Cost or valuation

Additions

1,135,000

Carrying amount

At 31 December 2025

1,135,000

Details of undertakings

Details of the investments (including principal place of business of unincorporated entities) in which the group holds 20% or more of the nominal value of any class of share capital are as follows:

Undertaking

Registered office

Holding

Proportion of voting rights and shares held

     

2025

Subsidiary undertakings

11:FS Foundry Limited

9 Appold Street, Mindspace, 8th Floor, London, England, EC2A 2AP

Ordinary

100%

 

     

Kinsworth Services Ltd (Formerly Arnaud Technology Limited)

9 Appold Street, Mindspace, 8th Floor, London, England, EC2A 2AP

Ordinary

100%

 

     

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

7

Business combinations

On 6 February 2025, 11:FS Holdings Ltd acquired 100% of the issued share capital of 11:FS Foundry Limited, obtaining control.

11:FS Foundry Limited contributed £72,889 revenue and £(2,236,704) to the group's profit for the period between the date of acquisition and the balance sheet date.

The amounts recognised in respect of the identifiable assets acquired and liabilities assumed are as set out in the table below:
 

Fair value
2025
£

Assets and liabilities acquired

Financial assets

327,431

Financial liabilities

(548,851)

Total identifiable assets

(221,420)

Goodwill

1,021,420

Total consideration

800,000

Satisfied by:

Cash

800,000

Cash flow analysis:

Cash consideration

800,000

Less: cash and cash equivalent balances acquired

(6,438)

Net cash outflow arising on acquisition

793,562

The useful life of goodwill is 10 years.

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

On 6 February 2025, 11:FS Holdings Ltd acquired 100% of the issued share capital of Kinsworth Services Limited (Formerly Arnaud Technology Limited) , obtaining control.

Kinsworth Services Limited (Formerly Arnaud Technology Limited) contributed £Nil revenue and £Nil to the group's profit for the period between the date of acquisition and the balance sheet date.

The amounts recognised in respect of the identifiable assets acquired and liabilities assumed are as set out in the table below:
 

Fair value
2025
£

Assets and liabilities acquired

Financial assets

100

Goodwill

334,900

Total consideration

335,000

Satisfied by:

Cash

335,000

Cash flow analysis:

Cash consideration

335,000

The useful life of goodwill is 10 years.

8

Debtors

 

Group

Company

2025
£

2025
£

Amounts owed by group undertakings

-

2,320,302

Other debtors

79,814

46,436

Accrued income

10,151

-

89,965

2,366,738

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

9

Creditors

   

Group

Company

Note

2025
£

2025
£

Due within one year

 

Loans and borrowings

11

1,595,346

1,595,346

Trade creditors

 

163,172

154,270

Taxation and social security

 

91,936

-

Other creditors

 

20,639

7,740

Directors loan

585,000

585,000

Accrued expenses and deferred income

 

74,275

-

 

2,530,368

2,342,356

Due after one year

 

Loans and borrowings

11

1,665,900

1,665,900

10

Share capital

Allotted, called up and fully paid shares

 

2025

 

No.

£

Ordinary A shares of £0.000001 each

8,001

0.01

     
 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

11

Loans and borrowings

 

Group

Company

2025
£

2025
£

Non-current loans and borrowings

Other borrowings

1,665,900

1,665,900

 

Group

Company

2025
£

2025
£

Current loans and borrowings

Other borrowings

1,595,346

1,595,346

At the year end, included in current liabilities are amounts of £102,145 and included in non-current liabilities are amounts of £1,665,900 relating to convertible loan notes. The loan notes are unsecured and bear interest at a rate of 6% per annum. The loan notes are repayable on 23rd December 2027 , unless converted into ordinary shares in the Company in accordance with the terms of the loan note agreement.

Included in current liabilities are amounts of £1,493,201 relating to an interest-free loan payable within twelve months of the year end to a company under common control.
 

12

Related party transactions

Transactions with directors

2025

At 12 September 2024
£

Advances to director
£

At 31 December 2025
£

Directors loan account

-

585,000

585,000

At the year end, the Company owed £585,000 to a director in respect of the director's loan account. The balance is interest-free, unsecured and repayable within twelve months of the year end.

Summary of transactions with all other related parties

At the year end, amounts owed to companies under common control totalled £1,500,940. This balance included £7,740 relating to recharges of business expenditure. The remaining balance of £1,493,200 comprised interest-free loans, which are repayable within twelve months of the year end.

 

11:FS Holdings Ltd

Notes to the Financial Statements for the Period from 12 September 2024 to 31 December 2025

13

Non adjusting events after the financial period

On 14 April 2026, the Company allotted and issued to an external investor 157 Series A Shares with a nominal value of £0.000001 each for total consideration of £5,000,000. On 22 July 2026, the Company allotted and issued a further 157 Series A Shares to this investor with a nominal value of £0.000001 each for total consideration of £5,000,000.

As at the date of approval of the financial statements, it is the intention to carry out a further organisation restructure with a newly incorporated company registered in Jersey with clearance being accepted by HM Revenue & Customs. No binding agreement has been sign at this date.