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Quartix Holdings plc

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FY2014 Annual Report · Quartix Holdings plc
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Annual Report
2014

Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

Contents 

Company information 

Highlights 

Chairman’s statement 

Strategic report: operational review 

Strategic report: financial review 

Corporate governance report 

Directors’ remuneration report 

Directors’ report 

Independent auditor's report to the members of Quartix Holdings plc 

Consolidated statement of comprehensive income 

Consolidated statement of financial position 

Consolidated statement of changes in equity 

Consolidated statement of cash flows 

Notes to the consolidated financial statements 

Independent auditor's report – company 

Company balance sheet as at 31 December 2014 

Notes to the parent company financial statements 

Notice of annual general meeting 

Notes to the notice of annual general meeting 

1 

Page 

2 

3 

4 

6 

10 

13 

16 

18 

21 

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24 

25 

26 

27 

49 

51 

52 

57 

60 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

2 

Company Information  

Company registration number: 

06395159 

Registered office: 

Directors: 

Wellington House 
East Road 
Cambridge 
Cambridgeshire 
CB1 1BH 

Andrew Walters 
David Bridge 
Avril Palmer-Baunack 
Paul Boughton 
Jim Warwick 

Company secretary: 

David Bridge 

Bankers: 

Solicitors: 

Auditors: 

Nominated advisor and broker: 

Financial public relations: 

Barclays Bank PLC 
PO Box 299 
Birmingham 
B1 3PF 

Hewitsons LLP 
Shakespeare House 
42 Newmarket Road 
Cambridge 
CB5 8EP 

Grant Thornton UK LLP 
101 Cambridge Science Park 
Milton Road 
Cambridge 
CB4 0FY 

finnCap 
60 New Broad Street 
London 
EC2M 1 JJ 

MHP Communications 
60 Great Portland Street 
London 
W1W 7RT 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

3 

Highlights 

Financial highlights 

  Group revenues increased by 16.3% to £15.3m (2013: £13.2m) 
o  Fleet revenues grew by 20% to £11.0m (2013: £9.2m) 
o 

Insurance revenues increased by 7.5% to £4.3m (2013: £4.0m) 

  Operating profit increased by 3.6% to £4.9m (2013: £4.7m) 
  Profit before tax increased by 9.5% to £5.0m (2013: £4.6m) 
  Adjusted1 profit before tax increased by 4.1% to £4.8m (2013: £4.6m) 
  Fully diluted earnings per share of 8.55p (2013: 8.27p) 
  Adjusted1 fully diluted earnings per share of 8.39p (2013: 8.27p) 
  Cash inflow before tax increased by 16.6% to £5.8m (2013: £5.0m) 
  Adjusted2 cash inflow before tax increased by 10.2% to £5.5m (2013: £5.0m) 
  Net debt reduced to £0.2m (2013: £2.2m) 
  Maiden final dividend of 3p per share proposed

1 Adjusted to exclude exceptional gain of £248,000 in the year ended 31 December 2014 (2013: nil) 
2 Adjusted to exclude exceptional cash inflow before tax of £0.3m in the year ended 31 December 2014 (2013: nil) 

Operational highlights 

  Strong progress in the main fleet business: 

o  23.2% increase in subscription base to 59,765 units (2013: 48,501) 
o  18.2% increase in customer base to 6,342 (2013: 5,367) 
o  Attrition fell to 9.4% (2013: 9.6%), significantly below the 14.0% industry average 
o  12.5% growth in new fleet installations 
o  Strong  growth  in  France,  ending  the  year  with  890  customers  (2013:  601)  and  5,218 

vehicles under subscription (2013: 3,601) 

o  Product  approvals  achieved  for  the  USA:  120  fleet  customers  secured  primarily  in  the 

latter part of the financial year 

 

Insurance installations grew by 12.8% to 32,842 (2013: 29,108) 

 
 
 
 
 
                                                 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

4 

Chairman's Statement 

Introduction 
The past year has shown continued growth in demand for the Group’s vehicle tracking systems, software 
and services in both the fleet and insurance sectors. Revenues in the core fleet sector grew by 20.2% to 
£11.0m (2013: £9.2m). Sales to insurance based customers also increased, by 7.5% to £4.3m (2013: £4.0m). 
Our  success  across  both  sectors  was  reflected in  the  installation  of  49,197  new  tracking  systems  (2013: 
43,646) and the achievement of £9.8m of recurring revenue in the fleet sector (2013: £8.0m). 

Sales  in  the  UK  grew  by  15.5%,  reaching  £14.5m  (2013:  £12.6m).  The  Group  made  good  progress  in 
France, where revenues increased by 36.8% to €956,000 (2013: €699,000). Additional investment in the 
French sales and support teams during the year should allow this growth to continue in 2015.  

The Group expanded its operations to the USA in the year, resulting in the opening of an office in Chicago 
in April 2014. In preparation for this, the Group completed the necessary development of its operational, 
accounting and marketing systems (which had been started in 2013), and achieved FCC and PTCRB listing 
for its TCSV10 tracking system early in the year. We completed the year with 120 fleet customers in this 
market, and the prospects for our business development are encouraging. 

Results 
Group revenues for the year increased by 16.3% to £15.3m (2013: £13.2m). 

Operating profit for the year increased by 3.6% to £4.9m (2013: £4.7m), at the same time as the Group 
made significant investments in launching in the USA. 

Exceptional gains in the year amounted to £248,000 before taxation, comprising a settlement reached for 
a  mis-sold  hedging  product,  less  the  Group’s  professional  costs  in  relation  to  its  admission  to  AIM  in 
November 2014. 

Adjusted profit before tax and exceptional gains increased by 4.1% to £4.8m (2013: £4.6m). 

Cash conversion was exceptionally good, resulting in cash flow from operations after tax of £4.9m (2013: 
£4.4m), after allowing for the effects of exceptional gains, and enabling the Group to reduce net debt from 
£2.2m as at 31 December 2013 to £0.2m at 31 December 2014. 

Earnings per share 
Adjusted basic earnings per share rose by 2% to 8.52p (2013: 8.35p). Basic earnings per share rose by 4% 
to 8.68p (2013: 8.35p). On a fully diluted basis, earnings per shares increased to 8.39p (2013: 8.27p). 

Dividend 
In the year ended 31 December 2014, the Board decided to pay an exceptional dividend of 600p per £0.10 
share  (the  equivalent  of  6p  per  £0.01  share).  This  totalled  £2.8m  and  was  paid  on  30  June  2014  to 
shareholders on the register as at 31 May 2014. 

The Board is recommending a final dividend of 3p per share, amounting to £1.4m in aggregate. Subject to 
the approval at the forthcoming AGM, the final dividend will be paid on 15 May 2015 to shareholders on 
the register as at 17 April 2015. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

5 

Governance and the Board 
In anticipation of the Company’s flotation in the latter half of 2014, three Non-Executive Directors, myself 
included, were appointed to join Andrew Walters and David Bridge on the Board. I joined in March 2014, 
with Paul Boughton and Jim Warwick appointed in May 2014. 

My  international  experience  spans  the  Insurance,  Automotive  and  Logistics  sectors  and  I  am  currently 
Chairman of Redde plc, Molins plc and Haversham Holdings plc. My previous roles include those of Chief 
Executive Officer of Autologic Holdings plc and Universal Salvage plc. 

Paul Boughton has over 25 years of experience in identifying, negotiating and completing acquisitions in 
the USA and Europe. Having spent 13 years as Business Development Director for Spectris plc, Paul is 
currently Head of Business Development at Brammer plc, leading its European acquisition programme. He 
has  also  held  senior  positions  at  both  Consort  Medical  plc  and  IMI  plc,  a  FTSE100  company  and  is  a 
Chartered Accountant (FCA). 

Jim Warwick is Chief Operating Officer at Abcam plc, a global leader in the supply of innovative protein 
research  tools,  having  originally  joined  as  Technical  Director  in  2001.  Prior  to  that,  he  worked  on  IT, 
software and web development initiatives for the telecommunications consultancy group Analysys Limited. 

In  September  2014,  Andrew  Kirk,  William  Hibbert  and  Kenneth  Giles  resigned  from  their  roles  as 
Executive Directors of Quartix Holdings plc in order to ensure the right balance between the Executive 
and  Non-Executive  Directors  on  the  Board,  as  expected  of  a  public  company.  Andrew,  William  and 
Kenneth remain completely committed to their operational roles, and both Andrew and William are on the 
Board  of  Quartix  Limited,  the  Group’s  principal  operating  subsidiary.  For  further  details  regarding 
Corporate  Governance  and 
the  “Investors”  section  of  our  website 
(www.quartix.net/investors.php). 

the  Board,  please  see 

Outlook 
The Group has made a strong start to the year, in line with our expectations. The high levels of recurring 
revenues  and  opportunities  to  grow  in  the  UK,  France  and  the  USA  in  fleet  combined with  continued 
progress in our insurance business underpin our confidence for the rest of the year and beyond. 

AGM 
The Group’s AGM will be held on 16 April 2015 at the Group’s registered office at Wellington House, 
East Road, Cambridge CB1 1BH. 

Avril Palmer-Baunack 
Chairman 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

6 

Strategic Report: Operational Review 

Principal activities 
Since 2001 Quartix has become one of the UK’s leading suppliers of vehicle tracking systems and services. 
Whilst the origins of the Group’s business are in the tracking of commercial vehicles in the UK, it has 
developed a business presence in the rapidly-growing insurance telematics market. It has set up a French 
branch tracking commercial vehicles and in 2014 it expanded its operations into the USA. 

Strategy and business model 
The Group’s main strategic objective is to grow its fleet business and develop its recurring revenues. The 
related insurance business provides economies of scale in product development, supply chain, production 
and system installation. 

Quartix  sells  its  telematics  services  in  two  different  markets:  commercial  fleet  tracking  and  insurance 
telematics. Whilst the same technology is used for both, these markets exhibit different characteristics and 
the Group has established distinct business models for each of them. 

Fleet customers typically use the Group’s services for many years, resulting in very low rates of attrition. 
Accordingly, the Group focuses its business model on the development of subscription revenues based on 
system rental, providing the best return to the Group over the long term. 

Insurance  telematics  customers  use  the  Group’s  technology  to  monitor  the  driving  style  and  habits  of 
higher-risk drivers, typically for a policy with a term of just 12 months. Quartix therefore treats this as an 
equipment sale, with the tracking system being sold, at policy inception, together with 12 months service 
and data usage included. 

Operational performance 
All business operations continued to perform at a high level in 2014. Gross margins were maintained at 
65% despite pricing pressure in insurance sales, which had an adverse effect on the margin mix. Return on 
sales exceeded 30% as in previous years. Cash conversion was strong with operating cash generated from 
operations before exceptional items representing 113% of operating profit before exceptional items. 

We  continue  to  identify  opportunities  to  save  cost  in  manufacturing,  mobile  network  usage  and 
communications, whilst consistently seeking to develop new products and to improve upon existing models 
so as to provide a high quality product that meets and exceeds our clients’ expectations. This is reflected in 
the availability of 3G functionality in the TCSV10 model, for which USA approvals were received in January 
2015, as well as in the development of the TCSV11 tracking system, which is expected to be launched in 
production in 2015. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

7 

Fleet 
Our fleet operation, which accounted for approximately 72% of Group revenue, has delivered considerable 
progress in a year of investment. This performance has been driven by continued strong growth in the UK 
combined with a broadening of our addressable markets: significant growth was achieved in France during 
the year whilst the result of our launch in the USA began to be evident in the second half. 

Fleet UK 
Demand for fleet tracking systems in the UK continues to grow rapidly. We are well-placed to expand our 
business,  given  the  strengths  of  our  product,  systems  and  support  capabilities.  The  economies  of  scale 
derived from the size of our combined fleet and insurance business also give us a considerable competitive 
advantage. UK fleet revenues were £10.2m (2013: £8.6m). 

New business is won through both direct sales (telephone and field) and distribution. In addition to the 
sales leads received through these channels and our own marketing initiatives, we are increasingly sourcing 
sales leads through price-comparison websites. 

Sales conversion percentages on enquiries received from our direct marketing remained above 30% during 
the year, and we will continue to increase our investment in these initiatives. In order to help drive future 
growth, we will also be increasing capacity in our telephone sales team, expanding our distribution network 
and enhancing our efficiency in dealing with price-comparison enquiries. Much of this will be achieved 
through our database systems and automated processes. Development and recruitment programmes for 
each  of  these  are  underway,  and  we  have  managed  to  secure  additional  office  space  in  Newtown  to 
accommodate expansion in the team from April 2015. We continue to work on search-engine optimisation 
and have e-commerce and electronic payment options available to our customers, but it is clear that our 
customers value the service we offer and that continued investment in telephone-based sales capacity must 
remain the primary focus. 

Fleet France 
We made significant progress in the French market, increasing new installations by 36%, and we ended the 
year with 5,218 vehicles (2013: 3,601) under subscription across 890 fleet customers (2013: 601). French 
fleet revenues increased by 36.8% to €956,000 (2013: €699,000). We continued to strengthen our French 
sales team and will continue to do so during 2015. In addition to the growth expected through our direct 
sales  and  marketing  channels  we  are  also in  the  process  of  recruiting  suitable  distributors  and  resellers, 
which we would expect to start making a contribution to the business by the end of the year. 

We will remain focused on our remote sales and support approach to the French market, and all of our 
sales staff will remain based in our Newtown office. Despite having no physical presence in France it is 
clear  that  our  brand  is  now  well  known  there  and  we  are  increasingly  requested  to  bid  on  larger 
opportunities. This sales approach enables us to be extremely cost-effective, and particularly allows us to 
benefit from economies of scale in all of our back-office functions. We have a very high level of customer 
satisfaction and retention in France, as we do in the UK. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

8 

Fleet (continued) 
Fleet USA 
We opened a small office in Chicago in April of 2014, marking the culmination of a significant development 
project in preparing our applications, operational and commercial platforms for the American market. This 
also involved type-approval (both FCC and PTCRB) of our TCSV10 tracking system for use on American 
networks. We have subsequently also gained approval for the 3G version of that system. Marketing and 
other functions, including installations, logistics and accounting, are handled from our Newtown office, 
once again allowing us to minimise overheads in this start-up phase. 

Results from a pilot marketing programme in the second half were very encouraging: our product has been 
well  received  by  customers  and  the  conversion  rate  on  incoming  enquiries  has  been  good.  We  have 
supplemented those enquiries by purchasing sales leads from price comparison sites and have also recruited 
a small team of people to setup a distribution network for us. At year end we employed 6 people in the 
Chicago office. 

We  finished  2014  with  120 fleet  customers  in the  USA  having  a  total  of  just  under  500  vehicles  under 
subscription. 60% of this base was gained in the final quarter of the year. USA fleet revenues were £0.02m, 
with the majority of these revenues falling in the final quarter.  

We have significant potential for growth in the USA in the next five years, and will make further investments 
in the achievement of this during 2015. 

Insurance 
As expected, volume growth in insurance at 12.8% was lower than the very high growth experienced in 
2013. Revenue growth of 7.5% was lower than volume growth, as there was some pricing pressure from 
potential new entrants in the market. We believe that the pricing environment has since begun to stabilise 
and have, in any case, taken the decision not to pursue high volume growth at the expense of acceptable 
margins, particularly given the opportunities available to us for long term growth at attractive margins in 
the fleet sector. 

We began installations for a new insurance supply relationship immediately before the end of the year, and 
for another at the start of this year. Initial installation demand for these is encouraging and expected to 
grow. Counterbalancing the growth from these new opportunities, however, the supply of Quartix systems 
for an existing insurance relationship is now expected to terminate in the middle of the year. Whilst it is 
still early days for these new opportunities, we believe that we have achieved a more balanced spread of 
revenues and are well placed to make further progress in our insurance business this year. 

Our strategic partnership with Wunelli Limited remains of key importance to us in developing our young-
driver insurance business. During 2015 we hope to explore the potential for developing our fleet business 
through relationships with commercial vehicle insurers, by using the technology, knowledge and processes 
that we have put in place for private vehicle insurance. We have developed some key competitive advantages 
in each of these areas over the past four years. 

Business review 
Details of the Group's performance are given in the Consolidated Statement of Comprehensive Income on 
page 23. The position of the Group and the Company at the end of the year is set out in the Consolidated 
Statement of Financial Position on pages 24 and 51.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

9 

People 
Our  people  play  a  vital  role  in  the  achievement  of  the  high  levels  of  customer  retention  and  financial 
performance that we maintain. The experience, stability and commitment to customer service of our teams 
create  a  substantial  competitive  advantage  for  us.  We  are  delighted  to  have  been  able  to  provide  our 
employees with the ability to share the equity in the Company under the EMI option scheme, and those 
having more than 12 months service will be eligible to take up the first of those options this year. The 
Directors are not eligible for these grants, which are intended for employees. 

Research and development 
The Group is committed to research and development. During 2014 the Group improved the functionality 
of the TCSV10 by adding 3G and worked on the development of the TCSV11. It continued researching 
various methods and algorithms for determining the difference between the shock levels generated in a 
vehicle during a crash, as compared with other events which occur normally in the course of journeys. The 
Group also continued the enhancement of its software systems. The costs relating to this and other research 
and development all of which has been written off in the year amounted to £1.0m (2013: £1.1m). 

Strategic priorities 
We are encouraged by the potential we see to accelerate the growth of our fleet business in each of the 
three geographic markets we address and we have already identified a number of initiatives to position us 
to deliver on that potential. In particular, in each market there is an opportunity to enhance the efficiency 
of sales and marketing channels as we invest in additional capacity.  

During 2015 our priority will be in developing our systems, processes and performance measures in parallel 
with  the  expansion  of  our  sales  and  marketing  teams.  Investments  are  already  underway  in  increased 
automation and automated support for the sales process, including the development of a broader range of 
sales support resources, demonstration tools and payment systems on our websites, all tailored to the needs 
of each sales and marketing channel and intended to support a higher level of specialisation in each telesales 
role as we expand. These investments will be directly applicable to all three of our target markets. 

By carefully coordinated management of this expansion in sales capacity we will strive to maintain the very 
high levels of customer satisfaction and financial performance for which Quartix is known. 

Within the insurance sector we have broadened the range of companies for which we supply telematics 
technology  through  our  strategic  partner,  Wunelli  Limited.  We  will  continue  to  pursue  our  goal  of 
diversifying our customer base with them in this way. 

Future developments 
The Group will continue to invest in the USA and the UK, whilst further developing its existing business 
in France. 

Andrew Walters 
Managing Director 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

10 

Strategic Report: Financial Review 

Financial highlights 

Year ended 31 December (audited) 

Revenue 
Gross profit 
Gross profit 
Operating profit before exceptional gains 
Cash generated from operations before exceptional gains 
Net profit for the year 

2014 
£’000 
15,331 
9,943 
65% 
4,8851 
5,5231 
4,032 

2013 
£’000 
13,180 
8,590 
65% 
4,713 
5,014 
3,863 

% change 
16.3 
15.8 
- 
3.6 
10.2 
4.4 

1 Exceptional gains of £248,000 and exceptional cash flow of £322,000 were recorded in the year and are excluded from these 
figures 

Key performance indicators (“KPIs”) 

Year ended 31 December 
Fleet revenues (£’000) 
Fleet subscription base (units) 
Fleet customer base 
Fleet attrition (annualised) (%)1 
Fleet installations 
Insurance revenues (£’000) 
Insurance installations 

2014 
11,038 
59,765 
6,342 
9.4 
16,355 
4,293 
32,842 

2013 
9,186 
48,501 
5,367 
9.6 
14,538 
3,994 
29,108 

% change 
20.2 
23.2 
18.2 
- 
12.5 
7.5 
12.8 

1 Attrition in the year is the number of units installed (excluding upgrades), less the increase in subscription base, expressed as a 
percentage of the mean subscription base 

The fleet KPI’s above lead to the build-up of recurring revenues which is our primary strategic objective. 

Over the past five years invoiced recurring revenues (before adjusting for deferred revenue) have risen at a 
30% per annum compound annual growth rate to £9.8m. We achieved 22.5% growth in 2014 which is 
good but below recent trends. We plan to address this by investing in additional capacity. 

In terms of its unit base the Group had growth of 23.2%; average units per customer rose from 9.0 to 9.4. 

Our target for attrition is to have a lower attrition rate than the estimated European mean for telematics 
which  is  14%.  We  easily  exceeded  this  partly  due  to  good  customer  care  and  partly  due  to  a  stronger 
economy. 

The revenue from insurance installations helps to fund our research and development and volume growth 
of 12.8% was satisfactory and led to revenue growth of 7.5%. 

 
 
 
 
 
 
 
                                                 
 
 
                                                 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

11 

Revenue 
Revenue  increased  by  16%  to  £15.3m  (2013: £13.2m).  In  the  core  fleet  sector  sales  grew  by  20.2%  to 
£11.0m (2013: £9.2m). Sales to insurance based customers also increased, by 7.5% to £4.3m (2013: £4.0m). 
Recurring revenue increased by 22.5% to £9.8m in the fleet sector (2013: £8.0m). 

Profit 
Operating profit for the year increased by 3.6% to £4.9m (2013: £4.7m), at the same time as the Group 
made significant investments in launching in the USA. 

Exceptional gains in the year amounted to £248,000 before taxation, comprising a settlement reached for 
a  mis-sold  hedging  product,  less  the  Group’s  professional  costs  in  relation  to  its  admission  to  AIM  in 
November 2014. 

Adjusted profit before tax and exceptional gains increased by 4.1% to £4.8m (2013: £4.6m). 

Results 
Fleet units installed showed a 12.5% annual growth being 16,355 units before upgrades compared to 14,538 
in 2013. Fleet sales were £11.0m, a rise of 20% compared with 2013 (£9.2m). The main driver of growth 
was the recurring revenues from unit rentals. 

France contributed £771,000 of sales, a 30% increase on 2013. 

Insurance unit installations were up 12.8% at 32,842 units compared to 29,108 in 2013. This led to a rise in 
insurance  sales  from  £4.0m  to  £4.3m.  The  percentage  rise  in  value  being  less  than  the  rise  in  units  as 
insurance income per unit installed dropped. 

Gross margin remained at 65% with a drop in insurance prices being offset by an increase in the proportion 
of fleet sales. Profit before tax rose from £4.6m to £5.0m an increase of 9.5%. 

Tax 
The effective tax rate rose to 20% (2013: 16%) as a result of IPO costs and losses in the USA which were 
not allowable against UK corporation tax. 

Earnings per share 
The resultant net profit of £4.0m is 4.4% ahead of 2013 (£3.9m) and is matched by a 4% rise in basic 
earnings per share. £76,000 of this profit came from exceptional items so adjusted earnings per share were 
8.52p which was 2% ahead of 2013. On a fully diluted basis, earnings per share increased to 8.39p (2013: 
8.27p). 

Statement of financial position 
Cash at the year-end was £1.8m and bank debt in cash terms was £2.0m, resulting in net debt of only £0.2m 
(2013: £2.2m). 

Inventories  increased  towards  the  end  of  the  year  in  anticipation  of  a  new  insurance  project,  which 
commenced installations slightly later than had been expected. 

Cash flow 
Cash flow from operating items before tax and exceptional items was £5.5m (increased relative to operating 
profit by a £493,000 increase in provision for deferred revenue and £83,000 of share based payments). 
Exceptional items added £322,000 net to cash flow, giving operating cash flow before tax of £5.8m. Tax 
paid was £930,000, so free cash flow before the impact of any financing cash flows was £4.9m. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

12 

Dividend 
The Board is recommending a final dividend of 3p per share, amounting to £1.4m. Subject to approval at 
the forthcoming AGM, the final dividend will be paid on 15 May 2015 to shareholders on the register as at 
17 April 2015. 

Risk management policies 
The principal risks and uncertainties of the Group are as follows: 

Attracting and retaining the right number of good quality staff 
The Group believes that in order to safeguard the future of the business it needs to recruit, develop and 
retain the next generation of management. The impact of not mitigating this risk is that the Group ceases 
to be innovative and provide customers with the products and services they require. Considerable focus 
has been given to good communication with employees and on providing opportunities for promotion. 

Retaining a key customer 
As disclosed in note 3 during 2014 revenues of £4.3m were derived from one insurance customer. Losing 
this key contract could have a significant negative impact on cash flow. Considerable resources are devoted 
to maintaining our relationship with this customer while at the same time the Group continues to build up 
relationships with its indirect insurance customers. 

Increased competition  
The  Group  is  exposed  to  the  risk  of  new  competition  entering  the  market  place.  The impact  of  a  new 
entrant  in  the  market  place  could  put  increased  pressure  on  margins  and  limit  the  businesses  ability  to 
generate cash. To combat this, the Group is continuously investing in research to improve its offering to 
customers. 

Technology 
Technology risks are perceived to arise from possible substitutes for the current Quartix product. Risks 
cited include everything from smart mobile phones to driverless cars. 

The Group strategy is to review potential risks and embrace them if they will provide a better channel for 
the information services which Quartix provides. At present we perceive security and other problems in 
using smart phones. 

Every  major  motor  manufacturer  is  currently  working  on  autonomous  driving  but  while  there  is 
competition in this field there should still be a need for telematics which works with different brands and 
different models. We will continue to ensure that Quartix has an excellent product which works well with 
all current vehicle types. 

David Bridge 
Finance Director 

The Strategic Report is approved by the Board of Directors and signed on behalf of the Board on 2 
March 2015. 

Andrew Walters 
Managing Director

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

13 

Corporate Governance Report 

Introduction 
As  the  Company  is listed  on  AIM,  it  is  not  required  to,  and does  not,  comply with  the  UK  Corporate 
Governance Code (the “Code”). However, we have reported on our corporate governance arrangements 
by drawing upon best practice available, including those aspects of the Code we consider to be relevant to 
the Company. 

The Directors are committed to maintaining a high standard of corporate governance and the Directors 
refer  to  the  2013  Quoted  Companies  Alliance  Governance  Guidelines  for  Smaller  Quoted  Companies 
(“QCA Guidelines”) to establish policies and procedures appropriate for a group of its size and nature. 

Directors and the Board 

Position 
Chairman 

Executive Directors 

Non-Executive 
Directors 

Director 
Avril Palmer-Baunack 
Andrew Walters 
Andrew Kirk 
William Hibbert 
Kenneth Giles 
David Bridge 
Paul Boughton 
Jim Warwick 

Date of 
appointment 
1 March 2014 
1 May 2002 
29 January 2008 
1 July 2010 
29 January 2008 
25 February 2008 
1 May 2014 
1 May 2014 

Date of 
resignation 
- 
- 
1 September 2014 
1 September 2014 
1 September 2014 
- 
- 
- 

Board committees 
There are three Board committees: Audit, Nominations, and Remuneration. Each Committee is comprised 
of three Non-Executive Directors, with a different Chairman for each. 

The attendance of each Director to Board meetings is outlined below and can be compared with the number 
of meetings they were invited to attend. The invitations are fewer for some Directors depending on their 
date of appointment and their position as an Executive Director. 

Position 

Executive Directors 

Non-Executive Directors 

Director 
Andrew Walters 
Andrew Kirk 
William Hibbert 
Kenneth Giles 
David Bridge 
Avril Palmer-Baunack 
Paul Boughton 
Jim Warwick 

Board meeting 
attendance (invitations) 
15 (15) 
3 (6) 
3 (6) 
3 (6) 
15 (15) 
9 (10) 
8 (8) 
8 (8) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

14 

Board committees (continued) 
Audit Committee 
Paul  Boughton  is  Chairman  of  the  Audit  Committee  which  normally  meets  three  times  a  year.  The 
Committee exists to scrutinise and clarify any qualifications, recommendations and observations within the 
audited accounts and report of the Company’s auditor. When satisfied, the Committee presents the audited 
accounts  and  report  to  the  Company’s  Board  and  reviews  the  effectiveness  of  resultant  corrective  and 
preventative measures. 

In performing this function, the key duties of the Committee are to: 

  Monitor  the  integrity  of  the  financial  statements  of  the  Group  and  any  formal  announcement 

relating to its financial performance 

  With regards to financial reporting, review and challenge the consistency of accounting policies, 
the  use  of  accounting  methods  over  alternatives,  whether  the  Group  has  followed  appropriate 
accounting standards, the clarity of disclosure, and all material information relating to the audit and 
risk management 

  Monitor the adequacy and effectiveness of the Group’s internal financial controls, including the 

internal control and risk management systems 

  Ensure that the  Group’s arrangements for its employees and contractors to confidentially raise 
concerns  about  possible  wrongdoing  allow  proportionate  and  independent  investigation  and 
appropriate follow up action 

  Consider the need to implement an internal audit function 
  Make recommendations to the Board and the Company’s shareholders regarding the appointment, 
re-appointment, and removal of the Company’s external auditor. It ensures that at least once every 
ten years the audit services contract is put out to tender to enable the Committee to compare the 
quality and effectiveness of the services provided by the incumbent auditor 

  Oversee the Company’s relationship with the external auditor 

Nominations Committee 
The Nominations Committee is chaired by Avril Palmer-Baunack. The Committee reviews the structure, 
size and composition of the Board to ensure the leadership of the Group is the most proficient to facilitate 
the  Group’s  ability  to  effectively  compete  in  the  marketplace.  It  makes  recommendations  to  the  Board 
regarding the continued suitability of any Director, the re-election by shareholders of any Director under 
the ‘retirement by rotation’ provisions in the Company’s Articles of Association, and succession planning 
for  Directors  and  other  Senior  Executives.  If  necessary,  the  Committee  will  identify  and  nominate 
candidates they believe suitable to fill Board vacancies. 

Remuneration Committee 
Jim  Warwick  chairs  the  Remuneration  Committee.  It  acts  to  ensure  sound  Corporate  Governance  and 
meets  at  least  twice  a  year.  The  Committee  functions  with  the  objective  of  attracting,  retaining  and 
motivating  the  executive  management  of  the  Company  and  ensuring  they  are  rewarded  in  a  fair  and 
responsible manner for their contribution to the success of the Group. 

The role of the Committee is to determine and agree with the Board the framework or broad policy for the 
remuneration  of  the  Company’s  Chairman  and  Executive  Directors,  including  pension  rights  and 
compensation payments. It  also recommends and monitors the level and structure of remuneration for 
senior management. When setting the remuneration policy, the Committee reviews and considers the pay 
and employment conditions across the Group, especially when determining salary increases. 

 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

15 

Relations with shareholders 
The Group maintains regular dialogue with institutional investors who, along with City analysts, are invited 
to  presentations  immediately  after  the  announcement  of  the  Group’s  interim  and  full  year  results. 
Shareholders have the opportunity to meet and question the Board and its Committees at the AGM. A 
detailed explanation of each item of special business to be considered at the AGM is included with the 
Notice of Annual General Meeting which is usually sent to shareholders at least 20 working days before the 
meeting. All resolutions proposed at the AGM are taken on a poll vote. This follows best practice guidelines 
and enables all votes to be counted, not just those of shareholders who attend the meeting. 

Internal financial control 
The key three controls are: 

  Segregation of duties 
  Good and reliable information 
  A high level of integrity among key employees 

The Board recognises the importance of robust and reliable financial reporting procedures and will review 
the procedures it operates on a regular basis. 

Going concern 
The Board takes all reasonable steps to review and consider any factors that may affect the ability of the 
Group to continue as a going concern. These factors include the budget, liquidity and key business risks of 
the Group. Following such contemplation, the Directors have a reasonable expectation that the Group has 
adequate resources to continue in operational existence for the foreseeable future. This enables them to 
prepare the financial statements on a going concern basis. 

 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

16 

Directors’ Remuneration Report  

Introduction 
The Remuneration Committee is chaired by Jim Warwick and also comprises Avril Palmer-Baunack and 
Paul Boughton. Its creation was confirmed by the Board of Directors on 3 October 2014 in accordance 
with the Company’s Articles of Association. The Committee’s fundamental purpose is to ensure sound 
Corporate Governance. In the year 2015 it will meet at least twice a year to ensure this is achieved. 

Remuneration Committee 
The  Committee  functions  with  the  objective  of  attracting,  retaining  and  motivating  the  executive 
management of the Company and ensuring they are rewarded in a fair and responsible manner for their 
contribution to the success of the Group. Their key duties are: 

  Agree a remuneration framework for the Chairman and Executive Directors and agree this with 

the Board of Directors 

  Determine  the  total  individual  remuneration  package  of  the  Chairman,  Executive  Directors, 
Company Secretary and other Senior Executives. This may include bonuses, incentive payments, 
and share options 

  Recommend and monitor the level and structure of remuneration for senior management; 
  Oversee any major changes in employee benefits structures throughout the Group 
  Assess  and  submit  the  design  of  all  share  incentive  plans  for  approval  by  the  Board  and 
shareholders. This will comprise whether any awards will be made, if so how much, the individual 
awards  to  Executive  Directors,  Company  Secretary  &  other  Senior  Executives,  and  the 
performance targets to be used 

  Establish a policy for authorising expenses claims from the Directors 
  Review the ongoing appropriateness and relevance of the remuneration policy 

The  Remuneration  Committee  may,  in  the  course  of  its  duties,  obtain  reliable,  up-to-date  information 
regarding remuneration in other companies of comparable scale, and appoint remuneration consultants to 
advise them if this is deemed necessary. 

Remuneration of Executive Directors 
The Directors’ remuneration packages are comprised of a salary. At present the Remuneration Committee 
have concluded that no bonus, benefits, compensation for loss of office, nor pension contributions will be 
paid. See below for a breakdown of the Directors’ remuneration packages. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

17 

Directors’ detailed emoluments and compensation (audited) 

Year ended 31 December 

Executive Directors 

Andrew Walters 
Andrew Kirk1 
William Hibbert1 
Kenneth Giles1 
David Bridge 

Non-Executive Directors 

Avril Palmer-Baunack2 
Paul Boughton2 
Jim Warwick2 

2014 (£) 
Salary  Benefits 
78,603 
- 
1,501 
52,402 
- 
52,402 
- 
31,442 
78,603 
- 
1,501 
293,452 

41,667 
26,667 
23,333 
91,667 

- 
- 
- 
- 

Total 
78,603 
53,903 
52,402 
31,442 
78,603 
294,953 

41,667 
26,667 
23,333 
91,667 

2013 (£) 
Total 
75,945 
77,461 
75,945 
60,756 
61,548 
351,655 

- 
- 
- 
- 

1  Salary paid up to the date of resignation from the Board of Quartix Holdings plc (1 September 2014) 
2 Salary paid from the date of appointment to the Board of Quartix Holdings plc (see page 13) 

Directors and their interests in shares 

Year ended 31 December 

Executive Directors 

Andrew Walters1 
Andrew Kirk 
William Hibbert 
Kenneth Giles 
David Bridge 

Non-Executive Directors 

Paul Boughton 
Jim Warwick 

Ordinary shares £0.01 each 

2014 
17,855,986 
5,489,925 
2,663,000 
3,371,800 
2,663,000 
32,043,711 

40,000 
40,000 
32,123,711 

2013 
20,904,011 
7,821,800 
2,663,000 
7,821,800 
2,663,000 
41,873,611 

- 
- 
41,873,611 

1 Includes shares held as family interests or by virtue of position as beneficiary or potential beneficiary of certain trusts 

A reorganisation of share capital on 30 September 2014 changed the value of ordinary shares from £0.10 
to £0.01 and increased their number one hundredfold. This change is showed by restating the number of 
ordinary shares for 2013. 

The Directors received no options over ordinary shares in the year ending 31 December 2013 and the year 
ending 31 December 2014. 

Jim Warwick 
Chairman, Remuneration Committee 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

18 

Directors' Report 

The Directors present their annual report and the financial statements of the Company for the year ended 
31 December 2014. 

Principal activity 
The principal activity of the Group during the year was the design, development and marketing of vehicle 
tracking devices and the provision of related data services. The Group has an overseas branch in France 
and an overseas subsidiary in the USA. The Parent Company is incorporated and domiciled in the UK. The 
registered office is Wellington House, East Road, Cambridge, CB1 1BH. 

Research and development 
Please see the Strategic Report on page 9 for further information about the Group’s approach to research 
and development. 

Future developments 
The Company’s intentions regarding investment and business development can be found on page 9. 

Proposed dividend 
In the year ending 31 December 2014, the Board decided to pay an exceptional dividend of 600p per £0.10 
share  (the  equivalent  of  6p  per  £0.01  share).    This  totalled  £2.8m  and  was  paid  on  30  June  2014  to 
shareholders on the register as at 31 May 2014. The Board is recommending a final dividend of 3p per 
£0.01 share amounting to about £1.4m and giving a total dividend for the year equivalent to 9p per £0.01 
share. If this is approved at the forthcoming AGM on 16 April 2015, the final dividend will be paid on 15 
May 2015 to shareholders on the register as at 17 April 2015. 

Substantial shareholdings 
On 27 February 2015, the Company had been notified that eight parties had holdings of 3% or more in the 
ordinary share capital of the Company. The number of £0.01 shares and the percentage of the total shares 
held by each party is outlined below. 

Andrew Walters1 
Andrew Kirk 
Miton Asset Management ltd 
Kenneth Giles 
David Bridge 
William Hibbert 
Ennismore Fund Management ltd 
BlackRock Investment Management (UK) ltd 

Number of £0.01 shares 
17,855,986 
5,489,925 
4,310,345 
3,371,800 
2,663,000 
2,663,000 
1,810,345 
1,724,138 

% of total 
38.3 
11.8 
9.2 
7.2 
5.7 
5.7 
3.9 
3.7 

1 Includes shares held as family interests or by virtue of position as beneficiary or potential beneficiary of certain trusts 

 
 
 
 
 
 
 
 
 
 
 
                                                 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

19 

Directors 
The Non-Executive Directors who held office during the year are listed below: 

  Avril Palmer-Baunack (Chairman) 
  Paul Boughton 
 
Jim Warwick 

The Executive Directors who held office during the year are listed below: 

  Andrew Walters 
  Andrew Kirk (resigned 1 September 2014) 
  William Hibbert (resigned 1 September 2014) 
  Kenneth Giles (resigned 1 September 2014) 
  David Bridge 

All Executive Directors have service agreements with the Company terminable by either party upon the 
minimum  notice  period  being  met.  The  minimum  notice  period is  12  months for  Andrew Walters  and 
David Bridge, and 6 months for Andrew Kirk, William Hibbert and Kenneth Giles. 

The Company’s Articles of Association require all Directors to stand for re-election each year at the AGM. 
The next AGM will take place on 16 April 2015. 

Directors' responsibilities for the financial statements 
The  Directors  are  responsible  for  preparing  the  Strategic  Report,  Directors’  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 consolidated financial statements in accordance with International 
Financial Reporting Standards (IFRSs) as adopted by the European Union and have elected to prepare the 
Parent Company financial statements in accordance with United Kingdom Generally Accepted Accounting 
Practice (United Kingdom Accounting Standards and applicable laws). Under Company Law the Directors 
must not approve the financial statements unless they give a true and fair view of the state of affairs and 
profit  or  loss  of  the  Company  and  Group  for  that  period.  In  preparing  these  financial  statements,  the 
Directors are required to: 

  Select suitable accounting policies and apply them consistently 
  Make judgements and estimates that are reasonable and prudent 
  State whether applicable IFRSs have been followed, subject to any material departures disclosed 

and explained in the consolidated financial statements 

  State whether applicable UK Accounting Standards have been followed, subject to any material 

departures disclosed and explained in the Company financial statements 

  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 Group’s transactions and disclose with reasonable accuracy at any time the financial position of 
the Group 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 Group and hence for taking reasonable steps 
for the prevention and detection of fraud and other irregularities. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

20 

Financial risk management policies and objectives 
The Group manages its key financial risks as follows. Further details are provided in note 28. 

Interest rate risk 
The Group responds to interest rate risk by ensuring that it always has at least two times interest rate cover.  

Liquidity risk 
The Group seeks to manage financial risk by ensuring sufficient liquidity is available to meet foreseeable 
needs. Credit checks are undertaken on all new customers and cash flow is forecast and monitored as are 
working capital requirements. 

Currency risk 
This is managed by seeking to match currency inflows and outflows. 

Directors' and officers' liability insurance 
The Company maintains insurance cover for the Directors and key personnel against liabilities which may 
be incurred by them while carrying out their duties. 

Auditors 
The Directors have individually pursued all steps that they ought to have taken in their roles as Directors 
to ensure they are aware of any relevant audit information and that such information has been relayed to 
the Company’s auditors. The Directors each confirm that there is no relevant information of which the 
Company’s Auditors are unaware. 

The Auditor, Grant Thornton UK LLP, will be proposed for reappointment in accordance with section 
485 of the Companies Act 2006. 

Approved by the Board of Directors and signed on behalf of the Board on 2 March 2015. 

Andrew Walters 
Managing Director 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

21 

Independent Auditor's Report to the Members of Quartix 
Holdings plc - Company number 06395159 

We have audited the Group financial statements of Quartix Holdings plc for the year ended 31 December 
2014 which comprise the Consolidated Statement of Comprehensive Income, the Consolidated Statement 
of Financial Position, the Consolidated Statement of Changes in Equity, the Consolidated Statement of 
Cash  Flows,  and  the  related  notes.  The  financial  reporting  framework  that  has  been  applied  in  their 
preparation  is  applicable  law  and  International  Financial  Reporting  Standards  (IFRS)  as  adopted  by  the 
European Union. 

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. 

Respective responsibilities of Directors and auditor 
As explained more fully in the Directors’ Responsibilities Statement set out on page 19, the Directors are 
responsible for the preparation of the Group financial statements and for being satisfied that they give a 
true and fair view. Our responsibility is to audit and express an opinion on the Group financial statements 
in  accordance  with  applicable  law  and  International  Standards  on  Auditing  (UK  and  Ireland).  Those 
standards require us to comply with the Auditing Practices Board’s (APB’s) Ethical Standards for Auditors. 

Scope of the audit of the financial statements 
A  description  of  the  scope  of  an  audit  of  financial  statements  is  provided  on  the  Financial  Reporting 
Council's website at www.frc.org.uk/auditscopeukprivate. 

Opinion on financial statements 
In our opinion the Group financial statements: 

  Give a true and fair view of the state of the  Group's affairs as at 31 December 2014 and of its 

profit for the year then ended 

  Have been properly prepared in accordance with IFRSs as adopted by the European Union 
  Have been prepared in accordance with the requirements of the Companies Act 2006 

Opinion on other matter prescribed by the Companies Act 2006 
In our opinion the information given in the Strategic Report and Directors’ Report for the financial year 
for which the financial statements are prepared is consistent with the financial statements. 

Matters on which we are required to report by exception 
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: 

  Certain disclosures of Directors’ remuneration specified by law are not made 
  We have not received all the information and explanations we require for our audit 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

22 

Independent Auditor's Report to the Members of Quartix 
Holdings plc (continued) - Company number 06395159 

Other matter 
We have reported separately on the Parent Company financial statements of Quartix Holdings plc for the 
year ended 31 December 2014. 

Alison Seekings 
Senior Statutory Auditor 
for and on behalf of Grant Thornton UK LLP 
Statutory Auditor, Chartered Accountants 

Cambridge 

2 March 2015 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

23 

Consolidated Statement of Comprehensive Income 

Year ended 31 December 

Revenue 
Cost of sales 

Gross profit 

Administrative expenses 

Operating profit 

Exceptional items 
Finance income receivable 
Finance costs payable 

Profit for the year before taxation 

Notes 

3 

4 
8 
9 

5 

2014 
£’000 

    2013 
   £’000 

15,331 
(5,388) 

13,180 
(4,590) 

9,943 

8,590 

(5,058) 

(3,877) 

4,885 

4,713 

248 
14 
(104) 

- 
12 
(120) 

5,043 

4,605 

Tax expense 

10 

(1,011) 

(742) 

Net profit for the year and total comprehensive income 
attributable to the equity shareholders of Quartix Holdings 
plc 

Earnings per ordinary share (pence) 
Basic 
Diluted 

Adjusted earnings per ordinary share (pence) 
Basic 
Diluted 

11 

11 

4,032 

3,863 

8.68 
8.55 

8.52 
8.39 

8.35 
8.27 

8.35 
8.27 

All  of  the  activities  of  the  Group  in  the  current  year  are  classed  as  continuing  and  there  is  no  other 
comprehensive income. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

24 

Consolidated Statement of Financial Position 

Assets 
Non-current assets 
Goodwill 
Property, plant and equipment 
Total non-current assets 

Current assets 
Inventories 
Trade and other receivables 
Cash and cash equivalents 
Total current assets 

Total assets 

Current liabilities 
Trade and other payables 
Borrowings 
Deferred revenue 
Current tax liabilities 

Non-current liabilities 
Borrowings 
Deferred tax liabilities 

Total liabilities 

Net assets 

Equity 
Called up share capital 
Share premium account 
Equity reserve 
Capital redemption reserve 
Retained earnings 
Total equity attributable to equity shareholders of Quartix 
Holdings plc 

Notes 

2014 
£'000 

  2013 
     £'000 

12 
13 

14 
15 
16 

17 
18 

19 
20 

21 
21 
22 

14,029 
187 
14,216 

    14,029 
188 
14,217 

436 
1,933 
1,812 
4,181 

220 
1,789 
779 
2,788 

18,397 

17,005 

2,008 
993 
1,704 
541 
5,246 

1,693 
993 
1,211 
441 
4,338 

993 
4 
997 

1,983 
24 
    2,007 

6,243 

6,345 

12,154 

10,660 

467 
4,379 
151 
4,664 
2,493 

46 
4,296 
6 
5,079 
1,233 

30 

12,154 

10,660 

Approved by the Board of Directors and signed on behalf of the Board on 2 March 2015. 

Andrew Walters 
Managing Director 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

25 

Consolidated Statement of Changes in Equity 

Balance at 31 December 2012 
Shares issued 
Redemption of preference 
shares 
Increase in equity reserve in 
relation to options issued 
Transactions with owners 
Profit for the year and total 
comprehensive income 
Balance at 31 December 2013 
Shares issued 
Bonus shares issued 
Redemption of preference 
shares 
Increase in equity reserve in 
relation to options issued 
Adjustment for exercised 
options 
Warrants issued 
Dividend paid 
Transactions with owners 
Profit for the year and total 
comprehensive income 
Balance at 31 December 2014 

Share 
capital 
£’000 
4,426 
- 

(4,380) 

- 
(4,380) 

- 
46 
6 
420 

(5) 

- 

- 
- 
- 
421 

- 
467 

Share 
premium 
account 
£,000 
4,296 
- 

Capital 
redemption 
reserve 
£’000 
699 
- 

Equity 
reserve 
£’000 
- 
- 

Retained 
earnings 

Total 
equity 
£’000  £’000 
11,171 
1,750 
- 
- 

- 

- 
- 

- 
4,296 
83 
- 

- 

- 

- 
- 
- 
83 

- 
4,379 

4,380 

- 
4,380 

- 
5,079 
- 
(420) 

5 

- 

- 
- 
- 
(415) 

- 
4,664 

- 

6 
6 

- 
6 
- 
- 

- 

83 

(12) 
74 
- 
145 

- 
151 

(4,380) 

(4,380) 

- 
(4,380) 

6 
(4,374) 

3,863 
1,233 
- 
- 

3,863 
10,660 
89 
- 

(5) 

- 

(5) 

83 

12 
- 
(2,779) 
(2,772) 

- 
74 
(2,779) 
(2,538) 

4,032 
2,493 

4,032 
12,154 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

26 

Consolidated Statement of Cash Flows 

Cash generated from operations 
Taxes paid 
Cash flow from operating activities 

Investing activities 
Additions to property, plant and equipment 
Interest received 
Cash flow from investing activities 

Financing activities 
Increase in long term borrowings 
Repayment of long term borrowings 
Interest paid  
Redemption of preference shares 
Proceeds from share issues 
Dividend paid 
Cash flow from financing activities 

Net changes in cash and cash equivalents 
Cash and cash equivalents, beginning of year 
Exchange differences on cash and cash equivalents 
Cash and cash equivalents, end of year 

Notes 

23 

13 
8 

21 

16 

2014 
£'000 

5,845 
(930) 
4,915 

(82) 
14 
(68) 

- 
(1,000) 
(119) 
(5) 
89 
(2,779) 
(3,814) 

1,033 
779 
- 
1,812 

2013 
£'000 

5,014 
(619) 
4,395 

(108) 
12 
(96) 

1,000 
(1,000) 
(131) 
(4,380) 
- 
- 
(4,511) 

(212) 
991 
- 
779 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

27 

Notes to the Consolidated Financial Statements 

1 

Summary of significant accounting policies 
Basis of accounting 
These  consolidated  financial  statements  are  for  the  year  ended  31  December  2014.    They  have  been 
prepared in accordance with the accounting policies set out below which are based on the recognition and 
measurement  principles  of  IFRS  as  adopted  by  the  European  Union  (EU)  and  are  effective  at 
31 December 2014. 

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

The  standards  and  interpretations  in  issue  but  not  effective  for  accounting  periods  commencing  on  1 
January 2014 that may impact on Quartix Holdings plc going forward are listed below. Quartix Holdings 
plc has not adopted these early. 

Outlook for adoptions of future standards (new and amended) 
At  the  date  of  authorisation  of  the  consolidated  financial  information,  the  following  standards  and 
interpretations which have not yet been applied in the consolidated financial information were in issue but 
not yet effective (and in some cases had not yet been adopted by the EU): 

Number 
IFRS 9 
IFRS 15 

Title 
Financial instruments 
Revenue from contracts with customers 

Effective 

1 January 2017 

During the year, the following standards came into effect: 

Number 
IFRS 10 
IFRS 11 
IFRS 12 
IAS 27 (revised) 
IAS 28 (revised) 

Title 
Consolidated financial statements 
Joint arrangements 
Disclosure of interests in other entities 
Separate financial statements  
Investments in associates and joint ventures 

Effective 
1 January 2014 
1 January 2014 
1 January 2014 
1 January 2014 
1 January 2014 

IFRS 10, 11, 12 

Amendments to transition guidance 

The Directors do not expect that the adoption of the standards listed above will have a material impact on 
the consolidated financial information of the Group in future periods. 

Basis of consolidation 
The Group financial statements consolidate those of the Company and all of its subsidiary undertakings. 
Subsidiaries are entities over which the Group has the power to govern the financial and operating policies 
generally accompanying a shareholding of more than one-half of voting rights. The existence and effect of 
potential voting rights that are currently exercisable or convertible are considered when assessing whether 
the Group controls another entity.  The Group obtains and exercises control through voting rights. Where 
subsidiary companies are acquired during the year, the profit or loss attributable to shareholders includes 
the profits or losses from the date of acquisition. Where subsidiary companies are disposed of during the 
year, the profit or loss attributable to shareholders includes the profits or losses to the date of disposal. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

28 

1 

Summary of significant accounting policies (continued) 
Going concern 
The  Group’s  forecasts  and  projections,  taking  account  of  reasonably  possible  changes  in  trading 
performance, show that the Group is able to generate sufficient liquidity. 

The Group enjoys a strong income stream from its fleet subscription base while current liabilities include 
a substantial provision for deferred revenue which is a non cash item. 

After assessing the forecasts and liquidity of the business for the next two years and the longer term strategic 
plans, the Directors have a reasonable expectation that the Group has adequate resources to continue in 
operational existence for the foreseeable future. The Group therefore continues to adopt the going concern 
basis in preparing consolidated financial statements. 

Segmental reporting 
The Group has concluded that it operates only one business segment as defined by IFRS 8. The information 
used by the Group’s chief operating decision makers, who are considered to be the Operations Board, to 
make  decisions  about  the  allocation  of  resources  and  assessing  performance  is  presented  in  a  format 
consistent with that repeated in the financial statements. Assets are not directly attributable to any separate 
activity. 

Revenue 
Revenue is the amount receivable for goods and services, excluding VAT. It is measured at the fair value 
of  consideration  received  or  receivable,  excluding  sales  taxes,  rebates,  and  trade  discounts.  Revenue 
comprises the provision of telematics-based fleet and vehicle management solutions, and is recognised in 
line with the provision and installation of hardware, and the maintenance of software  and provision of 
communications over the period of the customer contract. Amounts received in advance of the provision 
of services are included within deferred income. 

Revenue  from  a  12  month  contract  is  spread  on  a  straight  line  basis  over  the life  of  the  contract.  The 
associated cost including installation of hardware is recognised as incurred and not spread over the life of 
the contract: likewise distributors’ commissions are accounted for when incurred and not spread over the 
life of the contract. 

Revenue  from  hardware  sales  is  recognised  upon  transfer  of  economic  benefit  which is  normally  upon 
installation  of  the  unit  or  despatch  of  the  unit  if  customer  does  their  own  installation.  Revenue  from 
installation is recognised upon installation.  

Revenue from other services including communication charges are recognised over the period in which 
services are provided on a straight line basis. 

Intangible assets 
Goodwill arising on consolidation represents the excess of the consideration transferred and the amount 
of any non-controlling interest in the acquiree over the fair value of the identifiable assets and liabilities 
(including intangible assets) of the acquired entity at the date of the acquisition. Goodwill is recognised as 
an asset and assessed for impairment annually or as triggering events occur. Any impairment is recognised 
immediately in profit or loss. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

29 

1 

Summary of significant accounting policies (continued) 
Property, plant and equipment 
Property, plant and equipment is stated at cost, net of depreciation and any provision for impairment. 

Disposal of assets 
The gain or loss arising on the disposal or retirement of an asset is determined as the difference between 
the sales proceeds and the carrying amount of the asset and is recognised in profit or loss. 

Depreciation 
Depreciation is charged so as to write off the  cost of assets over their estimated useful lives, using the 
straight-line method, on the following bases: 

  Tools and equipment 
  Office equipment 
  Leasehold improvements         The life of the lease if 5 years or less, otherwise 20% straight line 

        25% straight line 
        25% straight line 

Research and development 
Expenditure on research activities is recognised as an expense in the period in which it is incurred. In the 
event that an internally generated intangible asset arises from the Group’s development activities then it 
will be recognised only if all of the following conditions are met: 

  An asset is created that can be identified (such as software and new processes) 
 
It is probable that the asset created will generate future economic benefits 
  The development cost of the asset can be measured reliably 

Where no internally-generated intangible asset can be recognised, development expenditure is recognised 
as an expense in the period in which it is incurred. 

Impairment testing of intangible assets and property, plant and equipment 
Goodwill is tested for impairment at least annually. An impairment loss is recognised for the amount by 
which the asset’s carrying amount exceeds its recoverable amount, which is the higher of fair value  less 
costs of disposal and value-in-use. To determine the value-in-use, management estimates expected future 
cash flows and determines a suitable interest rate in order to calculate the present value of those cash flows. 
The data used for impairment testing procedures are directly linked to the Group’s latest approved budget.  
Discount  factors  are  determined  individually  for  each  cash-generating  unit  and  reflect  management’s 
assessment of respective risk profiles, such as market and asset-specific risks factors. 

Property, plant and equipment are tested for impairment if events or changes in circumstances (assessed at 
each reporting date) indicate that the carrying amount may not be recoverable. When an impairment test is 
conducted, the recoverable amount is assessed by reference to the higher of the value in use (net present 
value of expected future cash flows of the relevant cash-generating unit), or the fair value less cost to sell. 

If a cash-generating unit is impaired, provision is made to reduce the carrying amount of the related assets 
to their estimated recoverable amount. Impairment losses are allocated firstly against goodwill, and secondly 
on a pro rata basis against intangible and other assets. 

Non-financial assets other than goodwill that suffer impairment are reviewed for possible reversal of the 
impairment at each reporting date. 

Operating lease agreements 
Payments made under operating leases are charged to profit or loss on a straight line basis over the lease 
term. Lease incentives are spread over the term of the lease. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

30 

1 

Summary of significant accounting policies (continued) 
Inventories 
Inventories are stated at the lower of cost and net realisable value. Cost is based on the cost of purchase on 
a  first  in  first  out  basis.  Net  realisable  value  is  based  on  estimated  selling  price  less  additional  cost  to 
completion or disposal. Provision is made for obsolete, slow moving or defective items where appropriate 
and recognised as an expense in the period in which the write-down or loss occurs. 

Taxation 
Current tax is provided at amounts expected to be paid (or recovered) using the tax rates and laws that have 
been enacted or substantively enacted at the Statement of Financial Position date. 

Deferred income taxes are calculated using the liability method on temporary differences. Deferred tax is 
generally provided on the difference between the carrying amounts of assets and liabilities and their tax 
bases.  However,  deferred  tax  is  not  provided  on  the  initial  recognition  of  goodwill,  nor  on  the  initial 
recognition of an asset or liability unless the related transaction is a business combination or affects tax or 
accounting profit. Tax losses available to be carried forward as well as other income tax credits to the Group 
are assessed for recognition as deferred tax assets and are recognised to the extent that it is regarded as 
more likely than not that they will be recovered. 

Deferred  tax  liabilities  are  provided  in  full,  with  no  discounting.  Current  and  deferred  tax  assets  and 
liabilities  are  calculated  at  tax  rates  that  are  expected  to  apply  to  their  respective  period  of  realisation, 
provided they are enacted or substantively enacted at the Statement of Financial Position date. 

Changes in deferred tax assets or liabilities are recognised as a component of tax expense in profit or loss 
or equity as appropriate. 

Financial assets 
Cash and cash equivalents together with trade and other receivables are classified as loans and receivables, 
these are initially recognised at fair value.  Loans and receivables are subsequent measured at amortised cost 
using  the  effective  interest  method,  less  provision  for  impairment.  Any  change  in  their  value  through 
impairment or reversal of impairment is recognised in the profit and loss. 

Provision against trade receivables is made when there is objective evidence that the Group will not be able 
to collect all amounts due to it in accordance with the original terms of those receivables. The amount of 
the write-down is determined as the difference between the asset's carrying amount and the present value 
of estimated future cash flows, discounted using the original effective interest rate. 

Financial liabilities 
Financial liabilities are obligations to pay cash or other financial assets and are recognised when the Group 
becomes a party to the contractual provisions of the instrument. 

Financial liabilities are recorded initially at fair value and subsequently at amortised cost using the effective 
interest method, with interest-related charges recognised as an expense in finance cost in the profit and 
loss. 

A financial liability is derecognised only when the obligation is extinguished. 

Cash and cash equivalents 
Cash and cash equivalents comprise cash on hand and demand deposits, together with other short-term, 
highly liquid investments that are readily convertible into known amounts of cash and which are subject to 
an insignificant risk of changes in value. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

31 

1 

Summary of significant accounting policies (continued) 
Equity 
Equity comprises the following: 

 
 

 

 

 

"Share capital" represents the nominal value of equity shares 
"Share  premium  account"  represents  the  excess  over  nominal  value  of  the  fair  value  of 
consideration received for equity shares, net of expenses of the share issue 
“Capital redemption reserve” represents the amount by which the Company's issued share capital 
is diminished when shares are redeemed or purchased wholly out of the Company's profits  
“Equity reserve” is used to reflect the expenses associated with granting share options to employees 
and the issue of warrants 
"Retained earnings" represents retained profits 

Foreign currencies 
Transactions in foreign currencies are translated into sterling at the exchange rate ruling at the date of the 
transaction. Monetary assets and liabilities in foreign currencies are translated at the rates of exchange ruling 
at the Statement of Financial Position date. 

Any exchange differences arising on the settlement of monetary items or on translating monetary items at 
rates different from those at which they were initially recorded are recognised in profit or loss in the period 
in which they arise. 

The Parent Company's functional currency is Sterling. The French branch also has a functional currency of 
Sterling. Quartix Inc has a functional currency of US Dollars. 

Quartix  Inc  transactions  in  Dollars  are  translated  at  the  average  rate  prevailing  in  the  month  of  the 
transaction.  Quartix  Inc  monetary  assets  and  liabilities  denominated in  Dollars  are  retranslated into  the 
respective functional currency of the entity at the rates of exchange prevailing on the reporting period date. 

On  consolidation,  revenues,  costs  and  cash  flows  of  Quartix  Inc  are  included  in  the  Group  Income 
Statement  at  average  rates  of  exchange  for  the  period.  Assets  and  liabilities  denominated  in  foreign 
currencies are translated into Sterling using rates of exchange ruling at Statement of Financial Position date 
and any differences arising are recognised as a separate component of equity. 

Exceptional items 
Exceptional items are material items of income and expense which by virtue of their size and nature are 
separately disclosed to assist in the better understanding of the Group’s performance. The following items 
are considered to be exceptional in these financial statements: 

  Compensation for mis-sold hedging contracts 
  Professional fees relating to the IPO 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

32 

1 

Summary of significant accounting policies (continued) 
Employee benefits: share based payments 
The Group operates a number of employee share schemes under which it makes equity-settled share-based 
payments to certain employees. 

Where  employees  are  rewarded  using  share-based  payments,  the  fair  values  of  employees'  services  are 
determined indirectly by reference to the fair value of the instrument granted to the employee. This fair 
value is assessed at the grant date, using the Black-Scholes method, and excludes the impact of non-market 
vesting conditions. 

The expense is allocated over the vesting period,  based on the best available estimate of the number of 
share options expected to vest.  Estimates are subsequently revised if there is any indication that the number 
of  share  options  expected  to  vest  differs  from  previous  estimates.  Any  cumulative  adjustment  prior  to 
vesting  is  recognised in  the  current  period.  No  adjustment  is  made  to  any  expense  recognised  in  prior 
periods if share options ultimately exercised are different to that estimated on vesting. 

Warrants 
The Group has issued warrants to its Nomad  (finnCap) as part of the placing agreement. Each warrant 
comprising the right to subscribe for one ordinary share at the placing price. 

IFRS 2 is applied to the issue of warrants. The fair values of services received in exchange for the warrants 
is determined indirectly by reference to the fair value of the instrument granted. This fair value is assessed 
at  the  grant  date,  using  the  Black-Scholes  method,  and  excludes  the  impact  of  non-market  vesting 
conditions. 

The expense is allocated over the vesting period, based on the best available estimate of the number of 
share options expected to vest.  Estimates are subsequently revised if there is any indication that the number 
of warrants expected to vest differs from previous estimates. Any cumulative adjustment prior to vesting is 
recognised in  the  current  period.  No  adjustment  is  made  to  any  expense  recognised  in  prior  periods if 
warrants ultimately exercised are different to that estimated on vesting. 

2 

Key judgements and estimates 
The  Group  make  estimates  and  assumptions  regarding  the  future.  Actual  results  may  differ  from  these 
estimates. The estimates and assumptions that have a significant risk of causing a material adjustment to 
the carrying amount of assets and liabilities within the next financial year are addressed below. 

Key judgement: capitalisation of development costs 
The  point  at which development  costs  meet  the  criteria  for  capitalisation  is critically  dependant  on  the 
management’s judgment of the probability and measurability of future economic benefits. No development 
was completed in the year ended 31 December 2014 whose benefits could be reliably measured apart from 
existing income streams. Hence, there is no capitalised development as at 31 December 2014. 

Key estimate: impairment testing of goodwill 
The Group determines whether goodwill is impaired at least on an annual basis. This requires an estimation 
of  the  value  in  use  of  the  cash-generating  units  to  which  the  goodwill  is  allocated  (Quartix  Limited). 
Estimating the value in use requires the Group to make an estimate of the expected future cash flows from 
the cash-generating unit and also to choose a suitable discount rate in order to calculate the present value 
of those cash flows. Further details are given in note 12. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

33 

3 

Segmental analysis 
The  Group  has  concluded  that  it  operates  only  one  operating  segment  as  defined  by  IFRS  8.  The 
information used by the Group’s chief operating decision makers to make decisions about the allocation of 
resources and assessing performance is presented on a consolidated Group basis. Accordingly no segmental 
analysis is presented. 

An analysis of turnover by type of customer and geography is stated below: 

By customer base 
Fleet 
Insurance 

Geographical analysis by destination 
United Kingdom 
France 
Republic of Ireland 
United States of America 

2014 
£’000 

11,038 
4,293 
15,331 

   2014 
 £’000 

14,534 
771 
3 
23 
15,331 

During 2014 revenues of £4.3m (2013: £4.0m) derived from one insurance customer. 

4 

Exceptional items 

Compensation for mis-sold hedging contracts 
Professional fees relating to the IPO 
Exceptional items before taxation 
Taxation on the above 
Exceptional items after taxation 

Exceptional items before tax as above 
Add back warrants issued 
Net exceptional operating cash flow 

2014 
£’000 
(763) 
515 
(248) 
172 
(76) 

(248) 
(74) 
(322) 

2013 
£’000 

9,186 
3,994 
13,180 

2013 
£’000 

12,588 
592 
- 
- 
13,180 

2013 
£’000 
- 
- 
- 
- 
- 

- 
- 
- 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

34 

5 

Profit for the year before taxation 
The profit for the year for the Group is stated after charging: 

2014 
£’000 
993 

2013 
£’000 
1,085 

Research and development expenses 
Rentals under operating leases: 

-  Other operating leases 
-  Land and buildings 
Depreciation: 

-  Property, plant and equipment, owned 

Share based payments expense 
Warrants issued 
Difference on foreign exchange 
Audit services 

-  Fees paid to Company auditor for the audit of the Company and consolidated 

financial statements 
Other services 

-  The audit of the Company’s subsidiary pursuant to legislation 
-  Tax advice 
-  Other services 
-  Transaction services 

6 

Employee remuneration 
Employee benefits expense 
Expenses recognised for employee benefits is analysed below for the Group. 

Staff costs, including Directors, during the year were as follows: 

Wages and salaries 
Social security costs 
Share based payments 

6 
46 

83 
83 
74 
25 

14 

16 
- 
9 
69 
1,418 

2014 
£’000 
2,599 
255 
83 
2,937 

There were no pension costs for the Group. 

The average number of employees, including all Directors, during the year was as follows: 

Administration 
Operations 
Sales 
Customer service 
Research and development 

2014 
10 
21 
27 
9 
19 
86 

6 
43 

59 
6 
- 
3 

7 

15 
- 
- 
36 
1,260 

2013 
£’000 
1,849 
178 
6 
2,033 

2013 
7 
16 
19 
5 
14 
61 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

35 

7 

Key management remuneration 
International Accounting Standards 24.9 states that key management personnel are those persons having 
authority and responsibility for planning, directing, and controlling the activities of the entity, directly or 
indirectly, including any Directors (whether Executive or otherwise) of the entity. The Group has identified 
12 such individuals: five Executive Directors, three Non-Executive Directors, and four members of Senior 
Management. 

Emoluments 
Social security costs 
Other benefits 
Total short-term employee benefits 

2014 
£’000 
686 
80 
2 
768 

2013 
£’000 
352 
43 
2 
397 

Key management had 573,000 share options outstanding at 31 December 2014 (2013: 652,500). 

Details of Directors’ remuneration is disclosed on page 17. 

Highest paid Director 

Emoluments 
Social security costs 
Other benefits 
Total short-term employee benefits 

2014 
£’000 
79 
10 
- 
89 

2013 
£’000 
76 
9 
1 
86 

No Director was a member of a pension scheme or other post-employment benefit to which the Group 
contributed in either the current or the prior years. There were no termination payments and no bonuses 
for Directors. The number of Directors who exercised share options in the year was nil (2013: nil). 

8 

Finance income receivable 

Bank interest 
Loan settlement discount 

9 

Finance costs payable 

Interest on bank loans and overdrafts 

2014 
£’000 
11 
3 
14 

2013 
£’000 
10 
2 
12 

2014 
£’000 
104 

2013 
£’000 
120 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

10 

Tax expense 

Analysis of tax charge in the year 
Current tax 
UK corporation tax charge on profit for the year 
Adjustments in respect of prior periods 

Deferred tax 
Origination and reversal of temporary differences 
Tax on profit of ordinary activities 

36 

2013 
£’000 

826 
(96) 
730 

12 
742 

2014 
£’000 

1,033 
(2) 
1,031 

(20) 
1,011 

The  relationship  between  the  expected  tax  expense  based  on  the  effective  tax  rate  of  the  Group  at                         
21.50% (2013: 23.25%) and the tax expense actually recognised in profit or loss can be reconciled as follows: 

Result for the year before taxation 

Tax rate (%) 

Expected tax expense 
Adjustments to tax charge in respect of prior periods 
Expenses not deductible for tax purposes 
Losses in the USA not provided 
Research and development tax credit 
Remeasurement of deferred tax 
Tax adjustment on exercise of options 
Tax on profit on ordinary activities 

2014 
£’000 
5,043 

2013 
£’000 
4,605 

21.50 

23.25 

1,084 
(2) 
104 
102 
(237) 
2 
(42) 
1,011 

1,071 
(96) 
22 
1 
(253) 
(3) 
- 
742 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

37 

11 

Earnings per share 
The calculation of the basic earnings per share is based on the profits attributable to the shareholders of 
Quartix  Holdings  plc  divided  by  the  weighted  average  number  of  shares  in  issue  during  the  year.  The 
calculation of the adjusted earnings per share is the same as that for the basic earnings per share, except for 
the  subtraction  of  exceptional  items  from  the  profits  attributable  to  the  shareholders  (see  note  4).  All 
earnings per share calculations relate to continuing operations of the Group.   

Profits 
attributable 
to 
shareholders 
£’000 

Weighted 
average 
number 
of shares 

Basic 
profit per 
share 
amount 
in pence 

Fully 
diluted 
weighted 
average 
number of 
shares 

Diluted 
profit 
per share 
amount 
in pence 

4,032  46,459,018 
3,863  46,247,500 

8.68 
8.35 

47,171,899 
46,712,800 

8.55 
8.27 

3,956  46,459,018 
3,863  46,247,500 

8.52 
8.35 

47,171,899 
46,712,800 

8.39 
8.27 

Earnings per ordinary share 
Year ended 31 December 2014 
Year ended 31 December 2013 

Adjusted earnings per ordinary 
share 
Year ended 31 December 2014 
Year ended 31 December 2013 

A reorganisation of share capital on 30 September 2014 changed the value of ordinary shares from £0.10 
to £0.01 and increased their number one hundredfold. This change is showed by an increase in the weighted 
average number of shares. The 2013 earnings per share is restated for this reorganisation. 

For diluted earnings per share, the weighted average number of ordinary shares is adjusted to assume the 
conversion  of  all  dilutive  potential  ordinary  shares.  Dilutive  potential  ordinary  shares  are  those  share 
options  and  warrants  where  the  exercise  price  is  less  than  the  average  market  price  of  the  Company’s 
ordinary shares during that year. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

38 

12 

Goodwill and other intangible assets 
Goodwill 

Cost and net book value 
At 1 January and 31 December 2013 and 2014 

Goodwill on consolidation 
£’000 

14,029 

Goodwill arose on the consolidation of the Group following the acquisition of Quartix Limited in 2008. 
Under UK GAAP it was being amortised over its useful economic life estimated at 20 years. The carrying 
value of goodwill therefore represents the net book value at the date of transition to IFRS. 

Goodwill is recognised as an asset and assessed for impairment annually or as triggering events occur. Any 
impairment is recognised immediately in profit or loss (see note 2). 

The Group considers its subsidiary Quartix Limited to be the sole cash-generating unit (CGU) and as such, 
it is reviewed annually for impairment. The Group has determined its recoverable amount based on value 
in use calculations. The value in use was derived from discounted management cash flow forecasts for the 
business, using the budgets and strategic plans based on past performance and expectations for the market 
development of the CGU, incorporating an appropriate business risk. The key assumptions for the value 
in  use  calculations  are  those  regarding  the discount  rates,  growth  rates  and  expected  changes  to  selling 
prices and direct costs during the period based on industry sector forecasts. 

These budgets and strategic plans cover a four year period. The growth rate in years one to three were 
based on detailed management expectations. The growth rate used for the fourth year is 2% which is in line 
with the long-term GDP forecasts. The discount rate used is 14% based on the Group’s weighted average 
cost of capital. Sensitivity analysis is carried out on all budgets, strategic plans and discount rates used in 
the calculations. 

Management’s  key  assumptions  are  based  on  past  experience  and  the  current  trading  performance  of 
Quartix Limited. These value in use calculations have not identified any requirement for impairment of the 
Goodwill stated above. Management is not aware of any probable changes that would necessitate changes 
in key estimates that indicate any impairment sensitivity. 

Other intangible assets 
The Group did not capitalise any other intangible assets. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

39 

13 

Property, plant and equipment 

Leasehold 
improvements 
£’000 

Tools and 
equipment 
£’000 

Office 
equipment 
£’000 

Total 
£’000 

Cost: 
At 1 January 2013 
Additions 
Disposals 

At 31 December 2013 
Additions 
Disposals 

At 31 December 2014 

Depreciation: 
At 1 January 2013 
Provided in the year 
On disposals 

At 31 December 2013 
Provided in the year 
On disposals 

At 31 December 2014 

Net book amount: 
At 31 December 2014 

At 31 December 2013 

At 1 January 2013 

14 

Inventories 

Raw materials 
Work in progress 
Finished goods and goods for resale 

- 
- 
- 

- 
12 
- 

12 

- 
- 
- 

- 
- 
- 

- 

12 

- 

- 

12 
- 
- 

12 
- 
- 

12 

12 
- 
- 

12 
- 
- 

12 

- 

- 

- 

223 
108 
- 

331 
70 
- 

401 

84 
59 
- 

143 
83 
- 

226 

175 

188 

139 

235 
108 
- 

343 
82 
- 

425 

96 
59 
- 

155 
83 
- 

238 

187 

188 

139 

2014 
£’000 
163 
142 
131 
436 

2013 
£’000 
115 
76 
29 
220 

Included in the analysis above are impairment provisions against inventory amounting to £80,000 (2013: 
£80,000). The cost of inventories recognised as an expense and included in “cost of sales” amounted to 
£1.6m (2013: £1.5m). 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

40 

15 

Trade and other receivables 

Trade receivables 
Other receivables 
Prepayments and accrued income 

2014 
£’000 
1,793 
6 
134 
1,933 

2013 
£,000 
1,723 
2 
64 
1,789 

All  the  amounts  are  short  term.  The  carrying  value  of  trade  receivables  is  considered  a  reasonable 
approximation of fair value. All of the receivables have been reviewed for indicators of impairment. Certain 
trade  receivables  were  found  to  be  impaired  and  a  provision  for  doubtful  debts  has  been  recorded  as 
follows. 

Provision at 1 January 
Additional provision/(release of provision) 
Provision at 31 December 

2014 
£’000 
15 
- 
15 

2013 
£’000 
20 
(5) 
15 

In addition, some of the unimpaired trade receivables are past due as at the reporting date. The age of 
financial assets past due but not impaired is as follows: 

Not more than 1 month 
More than one month but not more than 3 months 
More than 3 months but not more than 6 months 

16 

Cash and cash equivalents 
Cash and cash equivalents include the following components: 

Cash at bank and in hand 

2014 
£’000 
118 
21 
- 
139 

2013 
£’000 
148 
16 
- 
164 

2014 
£'000 
1,812 

2013 
£’000 
779 

Quartix Limited uses Barclay’s Money Transmission Plus to aggregate most sterling instant access balances 
and earn interest, which is currently 0.75%. 

17 

Trade and other payables 
Amounts falling due within one year: 

Trade payables 
Social security and other taxes 
Other payables 
Accruals 

2014 
£'000 
1,093 
600 
101 
214 
2,008 

2013 
£’000 
802 
561 
60 
270 
1,693 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

41 

18 

Borrowings: amounts falling due within one year 

Bank loan 

19 

Borrowings: amounts falling due after more than one year 

Bank loan 

2014 
£’000 
993 

2013 
£’000 
993 

2014 
£’000 
993 

2013 
£’000 
1,983 

The Group bank loans are secured by way of a debenture. The loans consist of a £1.0m standard term loan 
borrowed at an effective interest rate of 3.56% over LIBOR and repayable at a rate of £0.25m a quarter 
until November 2015. In addition, the Group has further borrowings of £1.0m at an effective interest rate 
of 3.88% over LIBOR. For this repayments of £0.25m a quarter start in February 2016. 

20 

Deferred tax 
Deferred tax liabilities recognised by the Group at 31 December 2014 and 31 December 2013 are as follows: 

Provision for deferred tax 
Accelerated Capital Allowances 
Short term temporary differences 
Equity settled share options 

Charge to profit and loss 
Accelerated Capital Allowances 
Short term temporary differences 
Equity settled share options 

2014 
£’000 
25 
(3) 
(18) 
4 

- 
(2) 
(18) 
(20) 

2013 
£’000 
25 
(1) 

24 

12 
- 
- 
12 

There are unprovided tax losses related to the USA business of $262,000 and additional unprovided tax 
regarding equity settled share options of £206,000. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

42 

21 

Equity 

Number of 
preference 
shares of £1 
each 

Number of 
ordinary 
shares of 
£0.10 each 

Number of 
ordinary 
shares of 
£0.01 each 

Allotted, called up and fully paid 
At 1 January 2014 
Shares issued at £1 for cash 
Shares redeemed at £1 for cash 
Shares reorganised 
Bonus shares issued 
At 31 December 2014 

- 
5,000 
(5,000) 
- 
- 
- 

462,475 
3,900 
- 
(466,375) 

- 
54,500 
- 
4,663,750 
-  41,973,750 
-  46,692,000 

Share 
capital 
£’000 

Share 
premium 
£’000 

46 
6 
(5) 
- 
420 
467 

4,296 
83 
- 
- 
- 
4,379 

The  preference  shares  carried  no  preferential  right  to  dividend  but  could  be  redeemed  at  par  at  the 
discretion of the Company. All preference shares have been redeemed by the Company out of distributable 
reserves as at 31 December 2014.  

A reorganisation of share capital on 30 September 2014 changed the nominal value of ordinary shares from 
£0.10 to £0.01 and increased their number one hundredfold due to a bonus issue. This change is showed 
by an increase in the number of ordinary shares. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

43 

22 

Share based payments 
All options have been restated to take account of a reorganisation of capital which took place on the 30 
September 2014. This increased the number of shares one hundredfold and reduced prices likewise. 

The  Company  has  share  option  schemes  for  certain  employees.  Share  options  are  exercisable  at  prices 
determined at the date of grant. The vesting periods for the share options range between vesting on issue 
and starting to vest after 14 months. Options are forfeited if the employee leaves the Company before the 
options vest.  

In  consideration  for  the  performance  by  finnCap  of  its  obligations  under  the  placing  agreement  the 
Company issued 153,904 warrants to finnCap, on 6 November 2014 each warrant comprising the right to 
subscribe  for  one  ordinary  share  at  the  Placing  Price  (£1.16).  The  Warrant  Instrument  also  contains 
provisions relating to the cashless exercise of such warrants via surrender of warrants. The warrants may 
be exercised at any point up to the date that is 36 months after the date of Admission (6 November 2014) 
save that they are not exercisable before the date that is 12 months after the date of Admission except 
pursuant to certain acceleration rights, for example upon a takeover of the Company. 

Movements in the number of share options and warrants outstanding and their related weighted average 
exercise prices are as follows: 

2014 

2013 

Weighted 
average 
exercise price 
per share 
in pence 
26.6 
75.6 
0.1 
8.2 
47.1 

Weighted 
average 
exercise price 
per share 
in pence 
1.0 
38.9 
- 
- 
26.6 

Options 
number 
1,089,800 
323,654 
(12,000) 
(324,500) 
1,076,954 

Options 
number 
353,800 
736,000 
- 
- 
1,089,800 

Outstanding at 1 January 
Granted 
Lapsed 
Exercised 
Outstanding at 31 December 

Exercisable at 31 December 

44.0 

75,500 

1.0 

180,000 

The weighted average fair value of options and warrants issued during the year ended 31 December 2014 
was £41.26. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

44 

22 

Share based payments (continued) 
At 31 December 2014 Quartix Holdings plc had the following outstanding options, warrants and exercise 
prices: 

Expiry dates 
Period when exercisable 
25 June 2016 
Starting from June 2011 
From November 2014 
6 November 2017 
Starting from November 2014  1 November 2019 
19 December 2018 
March 2015 
3 January 2020 
Starting from March 2015 
16 December 2019 
March 2016 

Period when exercisable 
Starting from June 2011 
Starting from November 2014  1 November 2019 
19 December 2018 
March 2015 

Expiry dates 
25 June 2016 

2014 

Options 
number 
83,800 
153,904 
595,500 
74,000 
150,000 
19,750 
1,076,954 

2013 

Options 
number 
353,800 
650,000 
86,000 
1,089,800 

Weighted 
average 
remaining 
contractual 
life 
in months 
18 
35 
59 
48 
61 
48 
52 

Weighted 
average 
remaining 
contractual 
life 
in months 
18 
59 
48 
45 

Average 
exercise price 
per share 
in pence 
1.0 
116.0 
44.0 
0.1 
44.0 
1.0 
47.1 

Average 
exercise price 
per share 
in pence 
1.0 
44.0 
0.1 
26.6 

A reorganisation of share capital on 30 September 2014 changed the nominal value of ordinary shares from 
£0.10 to £0.01 and increased their number one hundredfold. This change is showed by an increase in the 
number of options. 

The fair value of share based payments have been calculated using the Black-Scholes option pricing model. 
Expected volatility was determined based on the historic volatility of comparable companies. The expected 
life is the expected period from grant to exercise based on management’s best estimate. The risk free return 
is the rate offered for building society deposits at the time of the grant. 

The following assumptions were used in the model for options and warrants granted during the year 
ended 31 December 2014: 

Number granted 
Grant date 
Share price at grant date 
(pence) 
Exercise price (pence) 
Fair value per option (pence) 
Expected life in years 
Expected volatility (%) 
Risk-free interest rate (%) 
Dividend yield (%) 

2014 
153,904 
16 December  6 November 

19,750 

2013 

150,000 

86,000 
650,000 
1 January  1 November  19 December 

142.5 
1.0 
142.0 
3 
38.0 
0.5 
3.0 

116.0 
116.0 
47.1 
3 
62.0 
0.5 
- 

44.0 
44.0 
22.0 
5 
62.0 
0.5 
- 

44.0 
44.0 
22.0 
5 
62.0 
0.5 
- 

44.0 
0.1 
43.9 
2 
62.0 
0.5 
- 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

23        Notes to the cash flow statement 
           Cash flow adjustments and changes in working capital 

Profit before tax 

Depreciation 
Share based payment expense 
Warrants issued 
Interest income 
Interest expense 
Operating cash flow before movement in working capital 

Notes 

13 
5 
5 
8 
9 

Decrease/(increase) in trade and other receivables 
Decrease/(increase) in inventories 
Increase in trade and other payables 
Cash generated from operations 

2014 
£’000 
5,066 

83 
83 
74 
(14) 
104 
5,396 

(144) 
(216) 
809 
5,845 

45 

2013 
£’000 
4,605 

59 
6 
- 
(12) 
120 
4,778 

(806) 
128 
914 
5,014 

24       Leases 

The  Group’s  future  aggregate  minimum  lease  payments  under  non-cancellable  operating  leases  are  as 
follows: 

No later than one year 
Later than one year and no later than four years 
Later than five years 

Land & buildings 

Other 

2014 
£’000 
50 
30 
- 
80 

2013 
£’000 
39 
73 
- 
112 

2014 
£’000 
12 
13 
- 
25 

2013 
£’000 
6 
17 
- 
23 

Lease payments recognised as an expense during the year amount to £52,000 (2013: £49,000). 

25           Related party transactions and controlling related party 

The Group’s related parties comprise its Board of Directors and its key management (see note 7). There 
were  no  related  party  transactions  with  Directors  to  disclose  other  than  dividends  received  based  on 
shareholdings disclosed in the Directors’ Remuneration Report on page 17. 

26 

27 

The  Directors  consider  the  Board  and  shareholding  structure  to  mean  there  is  no  directly  identifiable 
controlling party. 

Purchase commitments 
Quartix Limited has signed agreements with suppliers which commits the Group to purchase inventory to 
the value of £154,000 (2013: £209,000). There were no other contingent liabilities as at 31 December 2014 
or 31 December 2013. 

Capital commitments 
The  Group  had  a  short  term  capital  commitment  of  £39,000  at  31  December  2014  (2013:  nil).  This 
commitment was for the installation of telephonic equipment during the next financial year. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

46 

28 

Risk management objectives and policies  
Financial instruments 
The Group uses various financial instruments; these include cash deposits and bank loans and various items 
such as trade receivables and trade payables that arise directly from its operations. The main purpose of 
these financial instruments is to raise finance for the Group's operations and manage working capital. 

The main risks arising from the Group's financial instruments are interest rate risk, liquidity risk, credit risk 
and currency risk. The Board reviews and agrees policies for managing each of these risks and they are 
summarised below. 

Interest rate risk 
The Group's exposure to market risk for the changes in interest rates relates primarily to the Group's bank 
loans. The exposure to interest rate fluctuations on its loans has been managed by past loan repayments 
which mean that these loans are now low relative to the Group's cash flow. As at the 31 December 2014 
each 1% increase in interest rates would add £20,000 to interest charges on an annual basis. 

Liquidity risk 
The Group seeks to manage financial risk by ensuring sufficient liquidity is available to meet foreseeable 
needs. The Group maintains cash to meet its liquidity  most of which earn interest via Barclay’s Money 
Transmission Plus. Liquidity needs are monitored on a weekly and monthly basis. The Group has no un-
drawn  committed  overdraft  facilities.  Trade  and  other  payables  of  £3.7m  at  31  December  2014  will  be 
settled through cash generated by the Group in its normal course of business, both through the collection 
of receivables and from cash generated from post year-end sales. 

As at 31 December the Group's financial liabilities have contractual maturities as summarised below:  

Trade and other payables 
Within six months 

Bank loans 
Within six months 
Six to twelve months 
One to five years 

2014 
£’000 

2013 
£’000 

1,306 

1,293 

543 
531 
1,028 
2,102 

566 
554 
2,102 
3,222 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

47 

28 

Risk management objectives and policies (continued) 
Credit risk 
The Group's exposure to credit risk is limited to the carrying amount of financial assets recognised at 
the Statement of Financial Position date, as summarised below: 

Loans and receivables 
Cash and cash equivalents 
Trade and other receivables 

2014 
£’000 

1,812 
1,799 
3,611 

2013 
£’000 

779 
1,725 
2,504 

The Group’s management considers that all the above financial assets that are not impaired for each of the 
Statement of Financial Position dates under review are of good credit quality, including those that are past 
due. See note 15 for additional information on trade receivables that are past due. 

The Group's principal financial assets are cash deposits and trade receivables. Risks associated with cash 
deposits  are  limited  as  the  banks  used  have  high  credit  ratings  assigned  by  international  credit  rating 
agencies. 

The principal credit risk lies with trade  receivables. In order to manage credit risk, the Directors  require 
third party credit clearance from all customers and most customers (over 90%) pay by direct debit. The 
Group has one large customer whose debts can at times exceed £0.5m and the credit risk on this balance 
is carefully monitored. 

Currency risk 
The Group is exposed to transaction foreign exchange risk. The risk with the Euro has been mitigated by 
trading in France which generates marginally more Euros than the Group currently need. The Group plans 
to adopt a similar solution to the US Dollar by trading in the USA. Currently it purchases about $2.0m a 
year. 

Transaction exposures, including those associated with forecast transactions, are managed through the use 
of bank accounts held in foreign currencies. The Group's trade receivables as at 31 December 2014, include 
an  amount  of  £109,000  (2013:  £73,000)  denominated  in  Euros  and  an  amount  of  £3,000  (2013:  nil) 
denominated in US Dollars. As at 31 December 2014, cash at bank and in hand included £184,000 (2013: 
£44,000) denominated in US Dollars, and £28,000 (2013: £30,000) denominated in Euros.  

The  Group's  trade  payables  as  at  31  December  2014  include  an  amount  of  £77,000  (2013:  £33,000) 
denominated in Euros and an amount of £302,000 (2013: £77,000) denominated in US Dollars. 

It is estimated that a 5% strengthening of Pound Sterling to the US dollar would have increased net profit 
by £50,000 and vice versa. (This is assuming that Dollar denominated prices do not adjust for currency 
movements.) 

It is estimated that a 5% strengthening of Pound Sterling to the Euro would have reduced net profit by 
£38,000 and vice versa.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

48 

29 

Summary of financial assets and liabilities by category 
The carrying amounts of the assets and liabilities as recognised at the Statement of Financial Position date 
of the years under review may also be categorised as follows: 

Loans and receivables 
Trade and other receivables, loans and receivables 
Cash and cash equivalents 

Financial liabilities measured at amortised cost 
Trade and other payables 
Bank borrowings 

2014 
£’000 

2013 
£’000 

1,799             1,725 
1,812 
779 
3,611             2,504 

1,306             1,293 
2,976 
1,986 
    4,269 
3,292 

30 

Capital management policies and procedures 
The Group's capital management objectives are to ensure the Group's ability to continue as a going concern 
and to provide an adequate return to shareholders, by balancing its trading performance with continuing 
investment in research and development. 

The Group monitors capital on the basis of the carrying amount of equity less cash and cash equivalents as 
presented on the face of the Statement of Financial Position.  

The Group makes adjustments to its capital in the light of changes in economic conditions and  the risk 
characteristics of the underlying assets. In order to maintain or adjust the capital structure, the Group may 
adjust the amount of dividends paid to shareholders, return capital to shareholders, issue new shares or sell 
assets. Capital for the reporting years under review is summarised as follows: 

Capital 
Total equity 
Less cash and cash equivalents 

Overall financing 
Total equity 
Plus borrowings 

2014 
£’000 

12,154 
(1,812) 
10,342 

12,154 
1,986 
14,140 

2013 
£’000 

10,660 
(779) 
9,881 

10,660 
2,976 
13,636 

Capital-to-overall financing ratio (%) 

73 

     72 

31 

Subsidiaries 
As at the 31 December 2014 the subsidiaries of the Group were: 

Subsidiary 
Quartix Limited 
Quartix Inc 

Country of 
registration 
England & Wales  Ordinary shares 
Common shares 
USA 

Class of share 
capital held 

Proportion held 
by the Company 
100% 
100% 

Nature of 
business 
Vehicle Tracking 
Vehicle Tracking 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

49 

Independent Auditor's Report to the Members of Quartix 
Holdings plc - Company number 06395159 

We have audited the Parent Company financial statements of Quartix Holdings plc for the year ended 31 
December 2014 which comprise the Parent Company Balance Sheet and the related notes. The financial 
reporting  framework  that  has  been  applied  in  their  preparation  is  applicable  law  and  United  Kingdom 
Accounting Standards (United Kingdom Generally Accepted Accounting Practice). 

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. 

Respective responsibilities of Directors and auditor 
As  explained  more  fully  in  the  Directors’  Report  on  page  19,  the  Directors  are  responsible  for  the 
preparation of the Parent Company financial statements and for being satisfied that they give a true and 
fair view. Our responsibility is to audit and express an opinion on the Parent Company financial statements 
in  accordance  with  applicable  law  and  International  Standards  on  Auditing  (UK  and  Ireland).  Those 
standards require us to comply with the Auditing Practices Board’s (APB’s) Ethical Standards for Auditors. 

Scope of the audit of the financial statements 
A  description  of  the  scope  of  an  audit  of  financial  statements  is  provided  on  the  Financial  Reporting 
Council's website at www.frc.org.uk/auditscopeukprivate. 

Opinion on financial statements 
In our opinion the Parent Company financial statements: 

  Give a true and fair view of the state of the Company's affairs as at 31 December 2014 
  Have been properly prepared in accordance with United Kingdom Generally Accepted Accounting 

Practice 

  Have been prepared in accordance with the requirements of the Companies Act 2006 

Opinion on other matter prescribed by the Companies Act 2006 
In our opinion the information given in the Directors’ Report and Strategic Report for the financial year 
for which the financial statements are prepared is consistent with the Parent Company financial statements. 

 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

50 

Independent Auditor's Report to the Members of Quartix 
Holdings plc (continued) - Company number 06395159 

Matters on which we are required to report by exception 
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 

  The Parent Company financial statements are not in agreement with the accounting records and 

returns 

  Certain disclosures of Directors’ remuneration specified by law are not made 
  We have not received all the information and explanations we require for our audit 

Other matter 
We have reported separately on the Group financial statements of Quartix Holdings plc for the year ended 
31 December 2014. 

Alison Seekings 
Senior Statutory Auditor 
for and on behalf of Grant Thornton UK LLP 
Statutory Auditor, Chartered Accountants 

Cambridge 

2 March 2015 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

51 

Company Balance Sheet 

Fixed assets 
Investments 

Current assets 
Debtors 
Cash at bank and in hand 

Creditors: amount falling due within one year 
Net current liabilities 

Total assets less current liabilities  

Creditors: amount falling due after more than one year 

Net assets 

Capital and reserves 
Called up share capital 
Share premium account 
Equity reserve 
Capital redemption reserve 
Profit and loss account 
Shareholders' funds 

Notes 

2014 
£’000 

2013 
£'000 

3 

4 

5 

6 

7 
8 
8 
8 
8 

18,551 

18,468 

245 
44 
289 

19 
45 
64 

(4,684) 
(4,395) 

(6,802) 
(6,738) 

14,156 

11,730 

(993) 

(1,983) 

13,163 

9,747 

467 
4,379 
151 
4,664 
3,502 
13,163 

46 
4,296 
6 
5,079 
320 
9,747 

Approved by the Board of Directors and signed on behalf of the Board on 2 March 2015. 

Andrew Walters 
Managing Director 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

52 

Notes to the Parent Company Financial Statements 

1 

Summary of significant accounting policies 

Accounting policies 
The financial statements are prepared in accordance with applicable United Kingdom accounting standards. 
The particular accounting policies adopted are described below. 

Accounting convention 
The financial statements are prepared under the historical cost convention. 

Investments 
Investments are stated at cost less provision for any impairment. 

Taxation 
Current tax is provided at amounts expected to be paid (or recovered) using the tax rates and laws that have 
been enacted or substantively enacted by the Balance Sheet date. Deferred tax is provided in full on timing 
differences, which result in an obligation at the Balance Sheet date to pay more tax, or a right to pay less 
tax, at a future date, at rates expected to apply when they crystallise based on current tax rates and law. 
Timing differences arise from the inclusion of items of income and expenditure in taxation computations 
in periods different from those in which they are included in financial statements. Deferred tax assets are 
recognised to the extent that it is regarded as more likely than not that they will be recovered. Deferred tax 
assets and liabilities are not discounted. 

Foreign currencies 
Transactions denominated in foreign currencies are translated into sterling at the rates ruling at the dates 
of the transactions. Monetary assets and liabilities denominated in foreign currencies at the Balance Sheet 
date are translated at the rates ruling at that date. Translation differences arising are dealt with in the Profit 
and Loss Account.  

Financial instruments 
The Company does not enter into derivative contracts for hedging or speculative purposes. 

Share-based compensation 
The Company issues share options to employees of its trading subsidiary. The fair value of such options 
granted is calculated using the Black-Scholes option pricing model. The fair value is spread over the period 
from the date of grant to the date the options vest and are exercisable, based on the best estimate of the 
number  of  shares  that  will  eventually  vest  and  recognised  as  an  additional  cost  of  investment  in  the 
subsidiary. 

Upon exercise of the share options the proceeds received are allocated to share capital and share premium. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

53 

2 

Profit and loss account 
No  Profit  and  Loss  Account  is  presented  for  Quartix  Holdings  plc  as  provided  by  section  408  of  the 
Companies Act 2006. The Company’s profit for the financial year was £5.95m (2013: £3.42m). 

Auditors' remuneration attributable to the Company is as follows: 

Audit fees – statutory audit 
Other services 

Details of Directors’ emoluments are set out on page 17. 

3 

Investments 
The amounts recognised in the Company’s Balance Sheet relate to the following: 

Cost: 
At 1 January 2014 

Increase due to granting of share options to subsidiary employees: 
New investments 

Net book amount at 31 December 2014  

During the year the Group set up a new subsidiary in the USA. 

2014 
£’000 
9 
81 
90 

2013 
£’000 
7 
36 
43 

Subsidiary 
undertakings 
£’000 

18,468 

83 

18,551 

Subsidiary 
Quartix Limited 
Quartix Inc 

Country of 
registration 
England & Wales  Ordinary shares 
Common shares 
USA 

Class of share 
capital held 

Proportion held 
by the Company 
100% 
100% 

Nature of 
business 
Vehicle Tracking 
Vehicle Tracking 

4 

Debtors: amounts falling due within one year 

VAT 
Prepayments 
Amounts owed by subsidiary undertakings 

All debtors fall due within one year of the Balance Sheet date. 

2014 
£’000 
24 
6 
215 
245 

2013 
£’000 
12 
- 
7 
19 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

5 

Creditors: amounts falling due within one year 

Bank loans and overdrafts 
Amounts owed to subsidiary undertakings 
Trade creditors 
Corporation tax 
Accruals and deferred income 

6 

Creditors: amounts falling after more than one year 

Bank loans  

Included within the above are amounts falling due as follows: 

Between one and two years 
Bank loans 

Between two and five years 
Bank loans 

54 

2013 
£’000 
993 
5,657 
69 
- 
83 
6,802 

2014 
£’000 
993 
3,540 
- 
102 
49 
4,684 

2014 
£’000 
993 

2013 
£’000 
1,983 

2014 
£’000 

2013 
£’000 

993 

 993 

- 

990 

The Group bank loans are secured by way of a debenture. The loans consist of a £2.0m standard term loan 
borrowed at an effective interest rate of 3.56% over LIBOR. This is repayable at a rate of £0.25m a quarter 
until November 2015. In addition, the Group has access to further borrowings of £1.0m at an effective 
interest rate of 3.88% over LIBOR. For this repayments of £0.25m a quarter start in February 2016. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

55 

7 

Called up share capital 

Allotted, called up and fully paid  
Nil (2013: 462,475) ordinary shares of £0.10 each 
46,692,000 (2013: nil) ordinary shares of £0.01 each 

2014 
£’000 

2013 
£’000 

- 
467 
467 

46 
- 
46 

In  2014  there  were  no  ordinary  shares  with  a  value  of  £0.10  as  all  figures  have  been  adjusted  to 
accommodate the change in the nominal value of ordinary shares to £0.01 per share on 30 September 
2014. 

Share options and warrants outstanding at 31 December 2014 were: 

Expiry dates 
Period when exercisable 
25 June 2016 
Starting from June 2011 
From November 2014 
6 November 2017 
Starting from November 2014  1 November 2019 
19 December 2018 
March 2015 
3 January 2020 
Starting from March 2015 
16 December 2019 
March 2016 

Average 
exercise price 
per share 
in pence 
1.0 
116.0 
44.0 
0.1 
44.0 
0.1 
47.1 

Weighted 
average 
remaining 
contractual 
life 
in months 
18 
35 
59 
48 
61 
48 
52 

Options 
number 
83,800 
153,904 
595,500 
74,000 
150,000 
19,750 
1,076,954 

A reorganisation of share capital on 30 September 2014 changed the nominal value of ordinary shares from 
£0.10 to £0.01 and increased their number one hundredfold. This change is showed by an increase in the 
number of shares under option. 

8 

Reserves 

At 1 January 2014 
Profit for the year 
Redemption of shares 
Dividend paid 
Bonus issue 
Shares issued 
Adjustment for options uptake 
FRS 20 employee share schemes 
Warrants issued 
At 31 December 2014 

Share 
premium 
account 
£’000 
4,296 

Employee 
share schemes 
reserves 
£’000 
6 

Capital 
redemption 
reserve 
£’000 
5,079 

5 

(420) 

83 

4,379 

(12) 
83 
74 
151 

Profit and loss 
account 
£’000 
320 
5,954 
(5) 
(2,779) 

12 

4,664 

3,502 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
9 

10 

11 

12 

Quartix Holdings plc 
Financial statements for the year ended 31 December 2014 

56 

Related party transactions and ultimate controlling party 
The  Company  has  taken  advantage  of  the  exemption  not  to  disclose  transactions  with  wholly  owned 
subsidiaries. 

The  Directors  are  the  Company's  controlling  and  ultimate  controlling  related  parties  by  virtue  of  their 
shareholding and directorships. 

Contingent liabilities 
There are no material contingent liabilities subsisting at 31 December 2014 or 31 December 2013. 

Financial commitments 
The Company had no financial commitments at 31 December 2014 or 31 December 2013. 

Profit for the financial year 
The Parent Company has taken advantage of section 408 of the Companies Act 2006 and has not included 
its own Comprehensive Income Statement in these financial statements. The profit for the financial year 
was £5.95m (2013: £3.42m) 

 
 
 
 
 
 
 
57 

Notice of Annual General Meeting 

Notice is hereby given that the second Annual General Meeting (the “Meeting”) of Quartix Holdings plc 
will be held at Wellington House, East Road, Cambridge CB1 1BH on Thursday 16 April 2015 at 
11.00 am for the following purposes: 

To consider, and if deemed fit, to pass the following as ordinary resolutions: 

1. 
2. 

3. 

4. 

5. 

6. 

7. 

8. 

9. 
10. 

To receive and adopt the audited annual accounts for the year ended 31 December 2014. 
To approve and declare a final dividend for the year ended 31 December 2014 of 3p per ordinary 
share. This will be paid on 15 May 2015 to shareholders on the register as at 17 April 2015. 
To  re-elect  Andrew  Walters  as  a  Director  who,  in  accordance  with  the  Company’s  Articles  of 
Association, retires as a Director and is eligible for re-election. 
To  re-elect  David  Bridge  as  a  Director  who,  in  accordance  with  the  Company’s  Articles  of 
Association, retires as a Director and is eligible for re-election. 
To re-elect Avril Palmer-Baunack as a Director who, in accordance with the Company’s Articles 
of Association, retires as a Director and is eligible for re-election. 
To  re-elect  Paul  Boughton  as  a  Director  who,  in  accordance  with  the  Company’s  Articles  of 
Association, retires as a Director and is eligible for re-election. 
To  re-elect  Jim  Warwick  as  a  Director  who,  in  accordance  with  the  Company’s  Articles  of 
Association, retires as a Director and is eligible for re-election. 
To re-appoint Grant Thornton UK LLP as the auditors of the Company until the end of the next 
Annual General Meeting. 
To authorise the Directors to determine the remuneration of the auditors. 
To give the Directors general and unconditional authorisation for the purposes of section 551 of 
the Companies Act 2006 (the “Act”) to exercise all powers of the Company to allot shares in the 
Company or to grant rights to subscribe for or to convert any security into shares in the Company 
up to a maximum nominal value of £155,000 (representing approximately 33% of the issued share 
capital of the Company as at 2 March 2015) to such persons at such times and on such terms they 
deem proper provided that this authority shall expire at the conclusion of the next Annual General 
Meeting of the Company or 30 June 2016, whichever is earlier, save that the Company may, before 
such expiry, make an offer or agreement which would or might require equity securities (as defined 
in section 560 of the Act) to be allotted after such expiry and the Directors may allot such securities 
in pursuance of such offer or agreement as if the authority conferred hereby had not expired; and 
all prior authorities to allot securities (to the extent unutilised) be revoked, but without prejudice 
to the allotment of any shares or securities already made or to be made pursuant to such prior 
authorisation. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
To consider, and if deemed fit, to pass the following as special resolutions: 

11. 

That the Directors be and are empowered, pursuant to section 571 of the Companies Act 2006 
(the “Act”), to allot equity securities (as defined in section 560 of the Act) for cash pursuant to the 
authority conferred upon them by resolution 10 above and to allot equity securities (as defined in 
section 560(3) of the Act (sale of treasury shares)) for cash in each case as if section 561 of the Act did 
not apply to any such allotment provided, however, that the power conferred by this resolution 
shall be limited to: 

58 

a. 

b. 

The allotment of equity securities in connection with a rights issue, open offer or any other 
offer of, or invitation to apply for, equity securities in favour of holders of ordinary shares 
in the Company on the register of members at such record dates as the Directors may 
determine  and  other  persons  entitled  to  participate  therein  where  the  equity  securities 
respectively attributable to the interests of the ordinary shareholders are proportionate (as 
nearly as may be)  to the respective number of ordinary shares in the  Company held or 
deemed to be held by them on any such record dates, subject to such exclusions or other 
arrangements as the Directors may consider necessary or expedient to deal with fractional 
entitlements,  treasury  shares,  record  dates,  or  legal  or  practical  problems  arising  or 
resulting from the application of the laws of any overseas territory or the requirements of 
any other recognised regulatory body or stock exchange in any territory or by virtue of 
shares being represented by depository receipts or any other matter whatever; and 
The allotment, other than pursuant to sub-paragraph ‘a’ above, to any person or persons 
of equity securities up to an aggregate nominal value not exceeding £23,500, representing 
approximately 5% of the ordinary share capital in issue as at 2 March 2015. 

This power shall expire at the conclusion of the next Annual General Meeting of the Company or 
30  June  2016,  whichever  is  the  earlier,  unless  previously  varied,  revoked  or  renewed  by  the 
Company in general meeting provided that the Company may, before such expiry, make any offer 
or agreement which would or might require securities to be allotted, or treasury shares sold, after 
such expiry and the Directors may allot securities or sell treasury shares pursuant to any such offer 
or agreement as if the power conferred had not expired; and all prior powers granted under section 
570 of the Act shall be revoked provided that such revocation shall not have retrospective effect. 

12. 

That the Directors be generally and unconditionally authorised, for the purposes of section 701 of 
the Companies Act 2006 (the “Act”), to make market purchases, as defined in section 693(4) of 
the Act, of ordinary shares of £0.01 each in the Company on such terms and in such manner as 
the Directors shall determine, provided that: 

a. 

b. 
c. 

d. 

The maximum aggregate number of ordinary shares which may be purchased is 2,350,000 
(representing approximately 5% of the ordinary share capital in issue as at 2 March 2015); 
The minimum price that may be paid for an ordinary share is its nominal value (£0.01); 
The maximum price that may be paid for an ordinary share shall be an amount equal to 
105% of the average middle market quotations for the ordinary shares of the Company as 
derived from the AIM appendix to the London Stock Exchange Daily Official List for the 
five business days immediately preceding the day on which the ordinary share is purchased; 
and 
This authority shall expire, unless previously renewed, revoked or varied, on the date of 
the  next  Annual  General  Meeting  or  30  June  2016,  whichever  is  earlier,  save  that  the 
Company  may  enter  into  a  contract  for  the  purchase  of  ordinary  shares  under  this 
authority which would or might be completed, wholly or partly, after this authority expires. 

By order of the Board on 2 March 2015.  

David Bridge 
Company Secretary 

 
 
 
 
 
 
 
 
 
 
 
1 

2 

3 

4 

5 

6 

59 

Notes to the Notice of Annual General Meeting 

Entitlement to attend and vote 
Pursuant to regulation 41 of the Uncertificated Securities Regulations 2001, the Company specifies that in 
order to have the right to attend and vote at the meeting (and also for the purpose of calculating how many 
votes a person entitled to attend and vote may cast), a person must be entered on the register of members 
of the Company by no later than 6.00 pm on 14 April 2015, or, in the event that the meeting is adjourned, 
at  6.00  pm  on  the  day which is  prior  to  the day  immediately  preceding  the  day  of  any  such  adjourned 
meeting. Changes to entries on the register after this time shall be disregarded in determining the rights of 
any person to attend or vote at the meeting. 

Information regarding the meeting 
A copy of this Notice of Annual General Meeting and other information required by section 311A of the 
Companies Act 2006 is available online at www.quartix.net. 

Appointment of proxy 
Members of the Company are entitled to appoint one or more proxies to exercise all or any of their rights 
to attend, speak and vote at the Meeting instead of him or her. The person appointed does not need to be 
a member of the Company but they must attend the Meeting to represent the member. If you wish your 
proxy to speak on your behalf at the Meeting you will need to appoint your own choice of proxy (not the 
Chairman) and give your instructions directly to your appointee. 

If you appoint more than one proxy, each proxy must only be appointed to exercise the rights attaching to 
different shares. 

A proxy can be appointed using the form accompanying this Notice. Instructions for use are shown on the 
form. Please complete and return this form to the Company's registrars, Capita Asset Services, PXS 1, 34 
Beckenham Road, Beckenham, Kent BR3 4ZF not later than 11.00 am on 14 April 2015. 

You can only appoint a proxy using the procedures set out in these notes and the notes to the proxy form. 
The notes to the proxy form give details of how to appoint a proxy via the CREST system. 

Changing appointment of proxy 
A member may change the person they have appointed as proxy using the same process as outlined above. 
The appointment received last before the latest time for receipt of proxies will take precedence over any 
previous appointments (see note 3). Any amended proxy appointments received after the relevant cut-off 
time will be disregarded. 

Revoking proxy appointment 
A member may revoke the appointment of a proxy by sending a signed note to the Company’s registrars, 
Capita  Asset  Services,  PXS  1,  34  Beckenham  Road,  Beckenham,  Kent  BR3  4ZF.  If  the  member  is  a 
company,  such  a  note  must  be executed  under  common  seal  or  signed  on  the  company’s  behalf  by  an 
officer of the company or an attorney for the company. Any power of attorney or other authority under 
which the proxy form is signed must be included with the proxy form. If a revocation is received after the 
specified time (see note 3), the proxy appointment will remain valid. Alternatively, if a member appoints a 
proxy but attends the Meeting in person, the proxy appointment will be automatically terminated. 

Issued shares and total voting rights 
At close of business on 2 March 2015 the Company’s issued share capital comprised 46,692,000 ordinary 
shares  of  £0.01  each.  Each  ordinary  share  entitles  the  holder  to  one  vote  at  a  general  meeting  of  the 
Company.  Consequently,  the  aggregate  number  of  voting  rights  in  the  Company  at  that  time  was 
46,692,000. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
7 

8 

Documents on display 
Copies of the Directors’ service contracts with the Company will be available for inspection at the registered 
office of the Company at least 15 minutes prior to and until the termination of the Annual General Meeting. 

Communication 
Any general queries by members about the Annual General Meeting should be addressed to the Company 
Secretary by letter or email at Quartix Holdings plc, Wellington House, East Road, Cambridge CB1 1BH 
or david.bridge@quartix.net. 

60 

 
 
 
 
 
 
www.quartix.net