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Supply@ME Capital

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FY2020 Annual Report · Supply@ME Capital
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Registration number: 03936915 

Supply@ME Capital plc     

Annual Report and Consolidated Financial Statements 

for the Year Ended 31 December 2020   

 
 
 
 
 
 
Supply@ME Capital plc   

Contents 

Company Information 

Chief Executive’s Review and Chairman's Statement 

Strategic Report 

Directors 

Directors' Report 

Remuneration Report 

Corporate Governance 

Independent Auditor's Report 

Consolidated Statement of Comprehensive Income 

Consolidated Statement of Financial Position 

Consolidated Statement of Cash Flows 

Consolidated Statement of Changes in Equity 

Notes to the Consolidated Financial Statements 

Company Statement of Financial Position 

Company Statement of Changes in Equity 

Notes to the Company Financial Statements 

3

4 to 8

9 to 23

24 to 25

26 to 32

33 to 36

37 to 43

44 to 48

49

50

51

52 to 53

54 to 76

77

78

79 to 85

2 

 
 
 
Directors 

Secretary 

Supply@ME Capital plc   

Company Information 

Enrico Camerinelli 
Susanne Chishti 
Dominic White 
Alessandro Zamboni 

MSP Corporate Services Limited 
27/28 Eastcastle Street 
London 
W1W 8DH 

Company number 

03936915 

Registered office 

Auditor 

Solicitors 

Bankers 

Registrars 

Public Relations 

Accountants 

Investor Relations 

27/28 Eastcastle Street 
London 
W1W 8DH 

Crowe UK LLP 
55 Ludgate Hill 
London 
EC4M 7JW 

Charles Russell Speechlys LLP 
5 Fleet Place 
London 
EC4M 7RD 

World First UK Ltd. 
Bank 
Millbank Tower 
21-24 Millbank 
London   
SW1P 4QP 

Neville Registrars Limited 
Neville House 
Southampton 
SO14 2JF 

Cicero/AMO 
3 Pancras Square 
London 
N1C 4AG 

Azets 
45 King William Street 
London 
EC4R 9AN 

Walbrook PR Ltd 
4 Lombard Street 
London 
EC3V 9HD 

Website 

www.supplymecapital.com 

3 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Chief Executive’s Review and Chairman’s Statement 

We  are  pleased  to  report  to  you  on  the  Group’s  activities  in  the  year  to  31  December  2020,  and 
subsequent developments to date.   

These financial statements represent the Group’s first period of trading on the Main Market of the Stock 
Exchange since the acquisition of Supply@ME S.r.l.. 

Business overview 

Global landscape: a huge addressable target market 

Inventory  monetisation  facilities  can  play  a  key  role  in  addressing  the  financing  needs  of  the  broadly 
defined global supply chain market. According to “The 2020 McKinsey Global Payments Report”, insights 
into that market reveal: 

  $17 trillion, as potential market for supply-chain finance. 

  ~80% of eligible assets that do not benefit from better working capital financing. The remaining 

one-fifth of assets are often inefficiently financed. 

  $14 trillion, managed directly (not financed). 

  $  2.5  trillion,  currently  addressed  by  seller-side  finance  solutions.  In  this  regard,  inventory 
financing  represented,  in  the  past  year,  10%  of  the  Seller-side  financial  solutions,  while  the 
receivables financing segment (including factoring, invoice discounting and receivables finance 
in all its forms), remains the largest segment with an estimated 65% market share. 

  $ 0.5 trillion, addressed through buyer-led solutions. 

  $1.5 trillion as the global gap in trade finance. In this regard, the overall trade finance market can 

be roughly differentiated into three segments, each with unique product dynamics: 

o  Documentary  business,  which  includes  traditional  off-balance-sheet  trade  finance 
instruments,  such  as  letters  of  credit,  international  guarantees,  and  banks’  payment 
obligations.  These  instruments  are  typically  used  to  cover  the  two  corporate  parties 
against  potential  transaction  risks  (e.g.,  an  exporter  protecting  against  country-related 
risks of its importer’s domestic market); 

o  Seller-side  finance,  including  two  main  financial  instruments:  factoring  and  invoice 
finance.  These  instruments  address  the  financing  needs  of  corporate  sellers  by 
advancing liquidity related to commercial transactions; 

o  Buyer-side finance, which is typically aimed at large buyers and their suppliers. It covers 
the financing needs of suppliers originated by large buyers, like reverse factoring, where 
suppliers  can  access  third-party  financing  for  buyer-approved  invoices,  as  well  as 
dynamic discounting, where buyers pay suppliers early in exchange for discounts on the 
invoice. This has traditionally been a smaller and more fragmented market (roughly $500 
billion of turnover financed), but is now growing at double-digit rates, driven by increasing 
interest and new offerings by players. 

Seeing the wider opportunities related to the untapped supply chain finance market, the Company wants 
to  play  a  key  role  in  this  space,  gaining  traction  from  its  inventory  monetisation  services  to  provide  a 
unique non-credit approach and covering both “in-transit” and warehoused goods. 

4 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Chief Executive’s Review and Chairman’s Statement 

Delivering a unique alternative facility for SMEs and Large Corporates - and a new asset class for 
investors 

Supply@ME delivers an innovative platform (“Platform”) for inventory monetisation that enables a wide 
range  of  manufacturing  and  trading  customers  to  improve  their  working  capital  position  by  releasing 
capital from their inventory stock. The Platform matches the working capital needs of its customers, with 
capital invested through the Platform by its inventory investors (“Inventory Funders”). 

Investors  in  Supply@ME  shares  gain  exposure  to  the  fee  income  generated  by  the  Platform  from 
inventory monetisation. Inventory Funders subscribe financial instruments that are secured by inventory 
portfolios. 

The highlight event for Supply@ME Capital Plc (LON:SYME - the Company or SYME) in the year to 31 
December  2020 was the successful acquisition, via  a  reverse takeover,  of  Supply@ME  S.r.l.  together 
with a successful Placing and Main Market Listing on the London Stock Exchange on 23 March 2020.   
These were both key milestones that will enable the Group to develop and fulfil its ambition to become a 
leading platform for inventory monetisation (Supply@ME Capital plc changed its name from Abal Group 
plc on 30 March 2020). 

The Company’s purpose is to be the leading fintech inventory monetisation business enabling companies 
to optimise their working capital cycle through the release of capital from their inventory, in a time and 
price efficient way. 

Its immediate strategy of creating a highly scalable global business is built on three key objectives:   

  delivering a unique facility, via a digitised route, attracting and on-boarding its customers (“Client 

Companies”), 

  developing  a  cutting-edge 
Monetisation process, and 
implementing a repeatable, multi-channel funding strategy to diversify and scale-up its Inventory 
Funder investor base, allowing the asset management industry to diversify its portfolio by virtue 
of a real new asset class. 

technology  Platform  that  efficiently  manages 

the  Inventory 

 

Building the fundamentals: milestones 2020 achieved towards the key objectives 

2020 saw the groundwork laid for a number of business initiatives which have either been implemented 
or are close to fruition. The Company also strengthened its board and senior management team with the 
appointment of a Chief Financial Officer and several highly experienced individuals to key positions. 

Looking  at  the  business  plan’s  strategic  pillars,  apart  from  the  delay  in  delivering  the  first  inventory 
monetisation in 2020, most of the other work streams planned are on-track or completed. Specifically: 

  Client Company sourcing partnerships have been established in Italy, the UK, MENA and the US 

with 14 partners to deliver an ongoing stream of monetisation demand to the Platform; 

 

the  technology  Platform  has  been  further  developed  and  is  now  operational  and  ready  to 
implement the first monetisation transaction 

 

the Company has in place a multi-channel global funding strategy:   

o  Middle East: Shariah structure approval 
o 

Italy: strategic agreement with the institutional asset manager Quadrivio Group (and its 
Industry  4.0  fund)  who  are  working  on  a  European  bank  acquisition.  In  parallel, 
establishing a Self-Funding model in order to allow other banks to promote the inventory 
monetisation service to their customer base 
Italy and UK: progress with the Italian and UK securitisation program managed by Storm 
Harbour 

o 

o  USA: partnership with The Trade Advisory aimed at delivering the inventory monetisation 
service  gaining  traction  from  Mr  Anthony  Brown’s  ecosystem  (Funders,  Client 
companies, warehouse service providers etc.). 

5 

 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Chief Executive’s Review and Chairman’s Statement 

Finally, talks began in 2020 with Tradeflow Capital Management Pte Ltd (“TradeFlow”), a Singaporean 
complementary inventory  “in-transit” fintech business. In  the first half of  2021, those  initial discussions 
developed  into  a  concrete  acquisition  transaction  of  their  business,  which  was  announced  on  26  May 
2021. 

This acquisition will enable SYME’s customers to monetise an additional step of the inventory lifecycle 
(inventory  in-transit)  through  its  Platform  as  well  as  provide  access  to  TradeFlow’s’  existing  Inventory 
Funders. It will also potentially establish a base for inventory monetisation activity in the Singapore region 
covering the “East and Far-East”: the final target geography of the SYME global Platform. 

Financial overview 

In summary, from a financial viewpoint, the Group has transformed successfully from a cash shell listed 
on AIM, to a Group admitted to the Official List as a Main Market company, standard segment, trading on 
the London Stock Exchange. 

In the period to 31 December 2020 the Company raised £2,234,000 gross (2019: £Nil), £1,615,000 net 
from the issue of new ordinary shares by way of a Placing. 

Consolidated results 

Revenues in the period* were £1,147,000 (2019: £4,000). The loss before tax and the exceptional cost 
of listing (£1,376,000) described below was £2,819,000 (2019: loss £687,000). 

Total loss for the year was £2,962,000 (2019: loss £551,000) and loss per share 0.01 pence (2019: 0.00) 
At  the  year  end,  net  liabilities  were  £452,000  (2019:  net  liabilities  £557,000)  and  cash  balances  were 
£552,000 (2019: £143,000). 

*Included within accruals and deferred income is £1,131,000 (2019: £634,000) relating to payments in 
advance  made  by  client  companies  for  due  diligence  to  pre-qualify  them  for  access  to  the  inventory 
monetisation  scheme.    Under  Italian  GAAP,  these  amounts  are  recognised  in  revenue  in  the  year.   
Under IFRS, these amounts will be recognised in future periods. 

Further details are to be found in the Strategic Report financial review on page 9 to 23. 

Change of accounting date / temporary suspension and subsequent re-instatement of trading 

The Company’s shares were temporarily suspended from trading on 21 January 2021 due to a technical 
breach of DTR rule 2.0 (reporting timetable).    This happened because SYME had, in accordance with 
company law (and following a precedent set by Aston Martin), proactively taken the decision to change 
its accounting reporting date to 31 December to match that  of its current subsidiaries and likely future 
subsidiaries in the middle east and USA. Countries have different standard reference accounting dates 
but it had become clear that the typical reporting period across the Group’s target business geographies 
was the calendar year.     

Therefore, on 19 January 2021, the Company changed its Accounting Reference Date from 30 
September to 31 December. 

This change required the Company to produce two sets of historic accounts:   

-  Audited accounts for the nine months to 31 December 2019, which were published on 28 

January 2021 

-  Unaudited Interim accounts for the six months to 30 June 2020, published on 29 January 2021 

Although  this  created  additional  work  in  the  short-term,  it  had  the  immediate  benefit  of  allowing  us  to 
produce 2020 accounts completely segregated from the Abal business and it also became clear that in 
the longer term, aligning all of the reporting dates to the calendar year would significantly streamline the 
financial reporting consolidation process.     

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Chief Executive’s Review and Chairman’s Statement 

Despite being compliant with company law timetables for reporting when accounting reference dates are 
changed, the Company was advised that it had triggered a technical stock exchange reporting timeline 
breach  and  the  Company  therefore  requested  the  temporary  suspension  of  its  shares  on  21  January 
2021.    The  subsequent  restoration  process  was  managed  directly  with  the  FCA  during  February  and 
trading in the Company’s shares resumed on 9 March 2021. 

Treatment of the Reverse Takeover (RTO) 

Accounting for the RTO presented a very complex accounting challenge, and a detailed analysis is to be 
found in Note 3 to the Group’s consolidated financial statements. Nevertheless, after a great deal of input 
by  technical  teams,  there  was  an  underlying  principle  to  represent:  Supply@ME  S.r.l.  –  the  Italian 
operating company – reversed into the shell of Abal Group plc (which became Supply Me Capital plc) in 
order to get a public company listing. It was this action which needed to be costed; and that cost needed 
to pass through the Income Statement. All other movements that had to be accounted for went directly 
through specific balance sheet reserves. 

Therefore Supply@ME S.r.l. became the “deemed acquirer” of Abal Group plc. The logic that was applied 
to the calculation of the deemed cost of listing was relatively straightforward, once this distinction was 
made: the cost was effectively that of buying a controlling interest in the shares of Abal Group plc at the 
time of the transaction, adjusted by the working capital. It was made up of the following components: 

Abal Group plc share price (last price before RTO suspension)     

        £0.0085 

Shares required for acquisition of controlling interest 

Cost of shares 
Working capital adjustment: 
Deduct 
Cash and cash equivalents 
Receivables 
Add: 
Payables 
Deemed cost of listing 

101,094,220 
£’000 
859 

(93) 
(50) 

660 
1,376 

Reporting of the Company results under FRS 102 

The  Company  results,  presented  from  page  76  have  been  reported  in  accordance  with  FRS  102  (UK 
GAAP). Under this reporting standard (the “FRS 102”), the results come under the relevant sections of 
the Companies Act 2006 and in particular as they relate to merger relief (sections 610, 612 and 615 of 
the  Companies  Act  2006)  for  corporate  investments  where  more  than  90%  of  the  acquired  entity  is 
represented by a share for share exchange, as occurred with the acquisition of Supply@ME S.r.l.. FRS 
102  allows  the  investment  to  be  carried  in  the  Company’s  balance  sheet  at  the  nominal  value  of  the 
shares issued.   

Future plans and expectations 

The completion of the two key initiatives – the Captive Bank (and accordingly the first Italian monetisation 
transaction) combined with the TradeFlow Capital acquisition - will allow the Company to declare a real, 
“up and running” Platform, representing the 3-years of positive track record of TradeFlow and nearly 7 
years of investment developing the inventory monetisation business. 

In addition, the work streams on UK inventory monetisation and the promotion of the Shariah version of 
the  Platform will boost the placing of SYME’s inventory monetisation asset class with the global asset 
management industry. 

7 

 
 
 
 
 
 
 
                     
 
 
 
 
 
Supply@ME Capital plc   

Chief Executive’s Review and Chairman’s Statement 

The  Company  also  expects  to  develop  a  revenue  stream  by  “white-labelling”  its  Platform;  effectively 
already  conceived  via  the  “self-funding”  route  and  by  virtue  of  the  opportunity  for  institutions  to  use 
TradeFlow’s proprietary technology for dedicated trade financing. 

In parallel the Company has to work to scale up its  operations and  leverage its international footprint, 
which  now  covers  all  the  target  geographies:  UK,  Europe,  MENA,  US  and  Far-East  and  in  which  its 
technology and personnel will play a key role in this “revenue-generation” phase of SYME. 

In terms of strategic positioning and global investor relationships, following the first monetisation, the 
Company expects to see a “snowball” effect of penetration into a growth phase of both the demand side 
and the supply side of this novel financing concept that SYME’s Platform facilitates - and from which 
SYME intends to maximise shareholder value. It will seek to increase its investor base, both 
geographically and with new institutions and is already evaluating opportunities to create a more global 
visibility of its unique initiative through new trading venues. 

Dominic White  

Non-Executive Chairman 

25 June 2021 

          Alessandro Zamboni 
          CEO 

  *************************

8 

 
 
 
 
 
 
   
 
                                                           
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Strategic report 

Introduction 

The Strategic Report should be read in conjunction with the Chief Executive’s Statement and Directors’ 
Report which are included in these financial statements. 

In  January  2019,  there  was  a  change  in  strategy  and  the  Group  announced  its  intention  to  sell  all  its 
business and assets,  and this sale was completed  in February 2019. From the date of the sale  of the 
business the Group became a cash shell that was seeking new investment opportunities. 

These endeavours culminated successfully after the 2019 year end and on 23 March 2020 Abal Group 
plc successfully raised funds through a placing, issued consideration shares to secure the acquisition of 
Supply@ME  S.r.l.  via  a  reverse  takeover  and  gained  admission  to  the  Official  List  as  a  Main  Market 
company, standard segment, trading on the London Stock Exchange.   

Supply@ME Capital plc changed its name from Abal Group plc on 30 March 2020. 

The comparative  figures,  and any results  prior to  23  March  2020  of  Supply@ME  Capital  plc  (the sole 
company) have not been presented and only the assets and liabilities of Supply@ME S.r.l, as the effective 
acquirer, have been recorded in the consolidated financial statements at their pre-combination amounts. 
This is further explained below. 

2020  was  a  difficult  year  globally  for  business  given  the  COVID-19  pandemic.    However,  it  is  the 
Company’s view that demand for SYME’s inventory monetisation service has and will continue to grow. 
This view is supported by the initial phases of Client company origination, which have been positive.     

Since the impact of COVID-19 started to be felt, and global supply chains were dramatically affected, the 
“Just In Time” (JIT) inventory standard for manufacturing and trading businesses has been reassessed 
and in many cases forced to change. Many businesses are now increasingly preferring to, or having to, 
build inventory levels to avoid supply chain shortages and subsequent loss of trade.     

Reducing risks in the supply chain by manufacturing locally rather than thousands of miles away, and, 
increasing inventory held may become the new norm.   

This new landscape, and required growth in global inventories post pandemic, reinforces the Company’s 
belief in the large and growing addressable international market for inventory monetisation services. 

Business Model 

Supply@ME (LON:SYME) is an innovative Platform for inventory monetisation that enables a wide range 
of manufacturing and trading customers to improve their working capital position by releasing capital from 
their inventory stock. For this purpose, SYME matches the working capital needs of its customers with 
capital invested by its inventory funders. 

How an inventory monetisation process works 

There are 5 steps to an inventory monetisation: 

1.  Client company sourcing. 

2.  Due diligence phase: each Client company is pre-qualified by SYME’s analyst team for:   

a.  satisfactory credit and insurability status; 
b.  appropriate inventory characteristics; 
c. 

internal organisation and internal controls. 

3. 

Inventory digitalisation and monetisation: including recording every inventory movement (in/ out) 
into a blockchain to prevent any data-tampering by either the Platform or third parties, and thereby 
improving: 
a. 
b. 

the transparency and consistency of reporting; and   
the enforceability of the contracts. 

9 

 
 
 
 
 
 
   
 
 
Supply@ME Capital plc   

Strategic report 

4.  Monitoring: once the Client company sells the inventory to the Platform and continues to manage 
the  stock  on  its  premises  in  order  to  sell  to  the  end  customer,  the  Platform  manages  several 
processes aimed at monitoring: 

the physical status of the inventory via site visits; 

a.  adherence to the KPIs (sales performance indicators) of the agreement; 
b. 
c.  sales to end customers through the Platform; 
d. 

replenishing of inventory levels in parallel with rolling over of the financing facility during 
the life of the contract. 

5.  Winding down of the agreement, alternatively: 

taking action to resell inventory where commercial defaults occur; 

a. 
b.  when final inventory is sold, to pay down the capital outstanding and no new inventory is 

required to be monetised. 

To provide capital for the monetisation of inventories, the Platform uses segregated (off-balance sheet) 
special purpose companies (“Stock Companies”) to issue financial instruments (such as secured notes) 
that will be subscribed for by institutional investors. 

Group corporate structure   

For each geography, SYME will establish a subsidiary to include personnel aimed at managing the five 
steps described above. As at the date of this report, the Company has its main subsidiary in Italy; it has 
formed a subsidiary in the UK and is processing an application to open a new subsidiary in the UAE. 

The  TradeFlow  Capital  Management  Pte  Ltd.  (“TradeFlow”)  acquisition  will  allow  SYME  to  expand  its 
operations also in Singapore, covering the East and Far-East region. 

Innovation & IP rights 

The  Platform’s  innovation  is  a  combination  of  technology  (software,  cloud  components,  blockchain 
infrastructure) as well as the following components: 

 

innovative  legal  &  accounting  framework  (which  allows  the  Client  companies  to  recognise 
revenues in relation to the inventory monetisation transaction); 

  proprietary methodologies aimed at analysing the inventory risk around each transaction; 
  a  new  asset  class  (a  financial  instrument  in  the  perspective  of  the  Inventory  Funders)  with 

underlying marketability of the inventory monetised. 

Principal activities   

The Company manages its principal activities through the following main work streams: 

1.  Inventory funding programmes; 
2.  Client company originations; 
3.  Platform (product) development. 

1. Inventory funding programme overview 

The Company is developing the following routes to funding its monetisation service. 

i) Open-Funding 

Open-Funding is gathering financing for Inventory Monetisation through securitisation vehicles or other 
third-party financing facilities. 

Client Companies are sourced by Supply@ME via its commercial partners. 

10 

 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Strategic report 

In 2020 two Open-Funding structures were being marketed. One focused on an Italian portfolio and the 
other on a more diversified international inventory portfolio. 

The first  Open-Funding structure  is an inventory-backed  securitisation  note  programme, arranged  and 
distributed  by  StormHarbour  Securities  LLP  (“SH”).  In  this  regard,  on  30  October  2020,  Supply@ME 
announced its decision to collaborate with a single Inventory Funder (“Investor”) for the first securitisation 
issuance.  As  announced,  this  investor  has  expressed  the  preference  to  invest  in  a  more  diversified 
portfolio  by  country.  SYME’s  UK  team  is  therefore  working  with  the  Investor  to  complete  legal 
requirements and agree terms reflecting a wider global portfolio (in particular in the UK and UAE which 
both operate under English common law, a preferred jurisdiction of this Inventory Funder). 

Following this revised funding strategy and taking into account the growth of the portfolio shown below, 
SH is continuing to roll out its securitisation placing programme as per the RNS of 20 April 2020.   

The  second  Open-Funding  structure  is  a  Shariah  compliant  investment  product.    This  widens  the 
potential investor base for  the  inventory monetisation platform to  include the  Islamic Finance Industry. 
Since its launch, the Shariah-compliant version of the Platform has seen strong levels of interest. SYME 
continues  to  work  with  the  Shariah  Funding  Specialist  towards  a  Shariah  compliant  capital  market 
placement. 

The  latest  –  new  -  Open-Funding  structure  is  related  to  the  two  TradeFlow  Capital  Funds  of  which 
Tradeflow Capital Management Pte Ltd. is also the investment advisory company. 

to  enabling  physical  commodity 

import/  export 
Specifically,  TradeFlow’s  non-credit  approach 
transactions,  which  is  unique  in  the  trade  finance  hedge  fund  world,  swaps  pure  credit  risk  faced  by 
investors  in  other  trade  finance  funds  for  real-world  insurable  physical  risks.  The  Funds  do  this  by 
simultaneously entering into a purchase contract for the commodity from the supplier at a fixed price (on 
behalf of the end buyer) and an onward sales contract to the end buyer at a fixed price, the Funds are 
not exposed to price risk per se. Only if the end buyer were to default by not paying the full value of the 
cargo upon  delivery could the Funds be potentially exposed to the commodity asset price falling. This 
statistically  low  risk  event  is  mitigated  by  the  risk  management  methodology  employed  by  the  Funds, 
which looks very similar to the approach used by modern day financial market clearing houses. 

Looking at the track record of the funds, in May 2018 the first Trade Flow fund went live (the CEMP – 
USD Capital Trade Flow fund SP) a fund which gives investors all the benefits and diversification of Trade 
Finance Asset Class combined with further diversification away from private credit. The strategy offers a 
superior  Raroc return  with  a  “principal” ownership  and  control  model of  the underlying  physical  asset. 
This offers investors a low risk profile, fixed income style return, with equivalent risk of loss quantified at 
“AA”   S&P equivalent by an independent study done in September 2018. In February 2020, TradeFlow 
launched a EURO version of the USD Trade Flow Fund. The flagship USD fund has an over 3 year track 
record of consistent returns, returning +6.01% net in 2019 and +5.93% net in 2020, consistently delivering 
net Average monthly returns of +50bps to investors with a Volatility of returns below 0.75%. 

At the date of this report the two Funds: 

  managed over USD 500mm of trades; 
  processes over 700 transactions, concerning 25 commodity types from over 15 countries; 
  scored 0 defaults since inception; 
  doubled the Assets Under Management during the Pandemic; 
  manages a fully supply-chain digitised system for scalability. 

ii) Captive-Funding 

The Captive-Funding strategy is the gathering of financing through a strategic “captive” relationship with 
a bank.     

11 

 
 
Supply@ME Capital plc   

Strategic report 

In this funding channel, Client Companies are sourced by Supply@ME, via its commercial agreements, 
the target Bank and potentially the wider network of Quadrivio Group and its partners. 

As stated above, the original single Inventory Funder, that had initially proposed to fund a wholly Italian 
portfolio, has expressed  a  preference  to  invest in  a  more diversified inventory  portfolio  across several 
countries rather than in a single country. SYME has therefore agreed with its partners that, subject to the 
successful completion of the Captive Bank transaction, this Captive-funding route will be used to begin 
the monetisation of its Italian portfolio of Client companies. The first group of Italian Client companies that 
are expected to be monetised have been informed of this solution. 

iii) Self-Funding 

Self-Funding is gathering financing through banks and other institutions (“Self-Funders”) that also offer 
the Inventory Monetisation service directly to their customers, such that the banks and their client base 
can benefit from the systems, assessment, and monitoring processes of Supply@ME's Platform.   

Client companies are sourced by the Self-Funders. 

The Company is continuing to work with several Banks across the jurisdictions now ready to be activated 
(Italy, UK, UAE) in order to design an integrated service model, whilst taking into account the upcoming 
key role of the Captive Bank as the “cornerstone” Inventory funder. 

This funding route is, as well, enhanced by TradeFlow’s business. In this regard, on the 30th March 2021, 
the ICC Secretary General John W.H. Denton AO announced an ambitious partnership with TradeFlow 
Capital Management during the World Trade Organization’s 2021 Global Trade & Blockchain Forum, as 
part of ICC’s growing effort to enable SME access to short-term liquidity to survive the ongoing economic 
crisis  and thrive  in the post-pandemic future.  Leveraging TradeFlow Capital Management’s  innovative 
non-lending and non-credit based instruments and ICC’s global network of over 45 million chambers of 
commerce and businesses, the partnership will enable the creation of an ICC SME Fund to provide small 
businesses with the right level of financial support to execute import/export trades in bulk commodities.   
By leveraging the combined strengths of ICC and TradeFlow, ICC TradeFlow Capital has the potential to 
enable many billions of dollars of SME commodity transactions each year. 

2. Client Company origination   

Overview 

The portfolio of Client Companies continues to grow. Gross origination of Client companies (the KPI that 
tracks demand for inventory monetisation) increased 15.6% between December 2020 and the end of April 
2021 to £2.116 bn (€2.461bn @ £1=€1.1628) 

Value (GBP) 

31.3.20 

30.6.20 

30.9.20 

31.12.20 

30.4.21 

Gross origination1 

1.05bn 

1.23bn 

1.41bn 

1.83bn 

2.116bn 

Number of client companies 

82 

97 

142 

165 

194 

1  “Gross origination” includes the estimated value of inventory to be monetised by all client companies 
that have signed an NDA, a term sheet, or are in, or have completed, the onboarding process. For clarity, 
the gross origination also includes commercial opportunities postponed or lost/ not eligible. 

12 

 
 
 
 
 
 
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Strategic report 

According to the Global Industry Classification Standards (GICS) classification adopted by the Company, 
the key Portfolio core sectors are currently Materials, Capital Goods, Retailing & Food and Beverage & 
Tobacco.  Below  is  a  breakdown  of  the  Client  company  origination  with  reference  to  the  geographical 
region served. 

Client company Geographical breakdown 30.4.21 

A geographical breakdown of SYME’s client company portfolio is given below. 

Value (GBP) 

UK 

Europe 
MENA                         
(Italy) 

Other 
geographies 

Totals 

Gross origination 

260.5m 

175.2m 

1.551bn 

129m 

£ 2.116bn 

Number of client companies 

23 

12 

158 

1 

194 

Within the US region, the acquisition  of Tradeflow will give the Company the opportunity to  deliver an 
innovative “inventory in transit" monetisation model for US importers, whilst also gaining traction from The 
Trade Advisory network. 

Client company net originations 30.4.21 

The following table shows net originations, classified by the different phases of the commercial and due 
diligence process of the Platform. 

In total, 72 Client companies were lost, either before or after signing the term-sheet. Of those, 20 (28%) 
either failed to meet creditworthiness criteria or had other negative due diligence results that rendered 
them  ineligible.  A  further  20  (28%)  who  dropped  out  because  of  the  delays  in  obtaining  securitisation 
funding are expected to come back on board once the first securitisation has been completed. 

  Net Retention 

  Net origination retention totals £1.555 bn (€ 1.809bn @ £1= €1.1628), split as follows: 

Value (GBP) 

UK 

MENA                         

Europe 
(Italy) 

Other 
geographies 

Pre-analysis/ NDA 

260.5m 

175.2m 

838.3m 

129m 

Number of Companies 

23 

Term sheet signed 

Number of Companies 

- 

- 

12 

- 

- 

72 

152.3m 

14 

1 

- 

- 

Totals 

£1.4bn 

108 

£152.3m 

14 

Lost customers: 72   

Expect to 
return 

20 

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Strategic report 

Value (GBP) 

UK 

MENA                         

Europe 
(Italy) 

Other 
geographies 

Lost  before  term  sheet 
signed 

Number of Companies 

Lost after the term 
sheet signed 

Number of Companies 

- 

- 

- 

- 

In terms of originations lost: 

- 

- 

- 

- 

336.1m 

51 

225m 

21 

- 

- 

- 

- 

Totals 

£336.1m 

51 

£225m 

21 

  24% of the Client companies lost before signing a term sheet (12) were deemed “not-eligible”; 
  38% of the Client companies lost after signing a term sheet (8) were deemed “not-eligible”; 
 

the  Company  expects  to  regain  28%  of  the  initiatives  lost  (20)  after  the  completion  of  the  first 
inventory monetisation transaction. 

3. Platform (product) development 

Production management 

The  system  architecture  of  the  Platform  is  made  of  several  components,  mostly  of  them  managed  in 
partnership with SIA: 

software modules focussed on the management of inventory trading and monitoring activities; 

 
  productivity tools aimed at sharing information (data and documents) via cloud technology; 
  database infrastructure aimed at storing data, incorporating the use of blockchain technology. 

The Company considers its partnership with SIA (https://www.sia.eu/en) as a strategic asset, particularly 
considering the recent merger between SIA and NEXI that will create a €15 billion payment giant and the 
largest blockchain service provider in Europe (source: fintechfutures.com). 

In addition, by virtue of the acquisition of TradeFlow, SYME will update the general system architecture 
of  the  Platform  to  be  able  to  map  potential  (existing  and  near  term)  synergies  between  the  mutual 
systems. 

Intellectual Property 

The Company continues to evaluate further forms of intellectual property protection, in particular relating 
to its innovative true-sales model and related legal contract framework. 

Internet-of-things 

The Company, as outlined in its business plan, is exploring potential joint business alliances with Internet-
of-things vendors such that it can begin to develop a unique “Internet of Inventory” tracking and monitoring 
product to enhance its offer. In this regard, the acquisition of TradeFlow could boost this work stream. 

14 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Strategic report 

Major events during the period   

Prior to the reverse acquisition and Main Market Listing, the Company (formerly Abal Group Plc) traded 
on London’s Alternative Investment Market (AIM). Pursuant to AIM Rule 15, the Company became a 
cash shell on 5 February 2019 following the completion of the disposal of its core operating business 
(known as Imaginatik), and trading in the Company's shares was subsequently suspended on 6 August 
2019.   
On 27 September 2019 the Company announced that it had entered into a conditional sale and purchase 
agreement to acquire the entire issued share capital of Supply@ME S.r.l. Cancellation of the admission 
to trading of the Company's ordinary shares on AIM took effect on 7 February 2020, in accordance with 
AIM Rule 41.     

On 23 March 2020, Abal Group plc completed the following transactions: 

reverse acquisition of Supply@ME S.r.l., a company registered in Italy; 
 
  placing of 331,604,094 shares raising gross proceeds of £2,240,317; and   
  admission to the Official List and trading on the London Stock Exchange's Main Market. 

The  transaction  was  effected  by  way  of  the  issue  of  32,322,246,220  consideration  shares  to  the 
shareholders of Supply@ME S.r.l. The market capitalisation of the Company on Admission at the Issue 
Price per share under the Listing Prospectus was £227,482,090.   

Following  the reverse takeover and the  commencement  of dealings on  23  March 2020, the Company 
achieved these important milestones during the period: 

  10  August  2020:  UAE  business  expansion  -  MOU  signed  with  Imass  Investments,  a  leading 
Middle East Investment Company, for the first Supply@ME pilot in the region. This represents 
the start of a planned rollout of the Inventory Monetisation platform in the Middle East; 

  4 September 2020: business alliance signed with EPIC SIM (now Azimut Direct), a leading SME 
Italian  fintech  marketplace.  The  alliance  between  Supply@ME  and  Epic  creates  a  new  sales 
channel for the Company, including client company origination, sourced as companies come to 
the Epic fintech platform, and inventory funding; 

  21  September  2020:  strategic  agreement  signed  with  Quadrivio  Group  (a  leading  European 
private equity fund) and the 1AF2 S.r.l. (now the AvantGarde Group SpA – major shareholder of 
the Company) in order to develop a funding agreement between SYME and a target European 
bank (“Captive Bank”) which Quadrivio Group and the AvantGarde Group committed to purchase. 
This strategic agreement allows the Company to deploy a new funding route (“Captive Funding”); 

  22 October 2020: Strategic agreement signed with Mr. Anthony Brown and The Trade Advisory 
to  launch  the  Supply@ME’s  platform  in  the  USA.  The  Trade  Advisory  specialises  in  US 
international  trade  and  finance,  introducing  global  and  local  lenders  and  investment  funds  to 
businesses looking to expand their cross-border activities. It has helped its clients to launch new 
trade finance products generating significant additional trade finance revenues; 

  30 October 2020: exclusivity basis agreement decided in order to complete the placing process 
(managed  by StormHarbour Securities LLP)  of the  first  securitisation issuance.  The Company 
announced  on  10  September  2020  that  it  was  analysing  whether  to  syndicate  its  first 
securitisation  note  across  a  number  of  investors,  or  work  on  an  exclusive  basis  with  one 
investment fund. Following detailed evaluation, SYME confirmed that it has agreed to partner on 
an exclusive basis with a global investment fund (the “Investor”) whose intention is to subscribe 
for the  whole  of  the first  issuance  and become a long-term strategic partner  of  the  Company. 
Whilst  this  decision  had  put  back  slightly  the  date  of  completion  of  the  first  issuance,  the 

15 

 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Strategic report 

opportunity to form a strategic partnership with the Investor would provide invaluable benefits to 
SYME, both short and long-term. 

Financial review   

We report here the results of the SYME Group, which incorporate the consolidated activities and financial 
position of Supply@ME S.r.l. for the full year, and those of Supply@ME Capital Plc from the date of the 
reverse takeover (RTO); that is to say, 23 March 2020. The comparatives for the prior year (2019) refer 
exclusively to the results of Supply@ME S.r.l. 

Revenues in the year were £1.15 million (2019: £0.00 million) and were predominantly earned by charges 
for due diligence conducted on potential clients. Gross profits after direct costs of sales were £0.41 million 
(2019: gross loss £0.76 million). Other administrative costs were £1.90 million (2019: £0.10 million). Not 
included  in  revenues  in  the  period  under  IFRS  accounting  are  £1.13  million  (2019:  £0.63  million)  of 
advanced payments by customers that will be recognised as revenue in future periods. 

The  consolidated  loss  before  taxes  and  exceptional  costs  associated  with  the  RTO  was  £1.44  million 
(2019:  loss  £0.69 million).  The  exceptional  cost,  the  “deemed  cost  of  listing”,  explained  in  the  Chief 
Executive’s Review and Chairman’s Statement above and in Note 3 to the Group consolidated financial 
statements below,  was £1.38  million  (2019:  nil). The  total  loss  after tax for the year was £2.96  million 
(2019: loss £0.55 million) and the loss per share was 0.01 pence (2019: 0.00). 

Total  assets  of  £3.33  million  (2019:  £1.45  million)  include  Intangible  Assets,  being  the  capitalised 
development costs of the Platform, net of amortisation, of £1.24 million (2019: £0.39 million), and cash 
balances of £0.55 million (2019: £0.14 million). Net liabilities were £0.45 million (2019: £0.56 million). 

At the period end, two warrants were outstanding and have been included in the Balance Sheet liabilities 
at a combined valuation of £24,000 (2019: n/a).                                                                                                                                           

Key Performance Indicators:   

As stated in the Prospectus, the Directors and the Proposed Directors have set a business strategy to 
achieve the following goals. 

The tables below track the progress made for each strategic action as 30 April 2021. 

#1 Aiming to be the best fintech inventory data monitoring business 

ID  Strategic actions 

1.1  Banking account 
integrated 

KPIs used for 
measurement 

Delivery completed 
compliant to software   
quality standards 

Milestone 

KPIs results 

Q1 2021 

Delayed 

Captive Bank funding 
agreement will allow to 
complete the stream creating 
a strong monitoring process 

1.2  Due 

diligence/onboarding 
digitization (trusted, 
online simulators, 
external partnership 
signed rating integration) 

External providers 
partnership signed 

Q2 2021 

On track 

Proprietary model re 
unsold risk 

16 

SIA partnership allows 
SYME to develop an end to 
end information system with 
distributed ledger technology 

Preliminary agreement with 
inventory specialists (Gordon 
Brothers and SIA Group) in 
order to support the due 

 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Strategic report 

ID  Strategic actions 

KPIs used for 
measurement 

Delivery completed 
compliant to software 
quality standards 

1.3  ERP fully integrated 

(firstly SAP, IBM, Oracle 
Q2 2021 (SAP) ERP 
vendors and Microsoft) 

ERP vendors 
partnership signed 

Numbers of ERP 
integrated 

1.4 

Internet of Things (smart 
cameras, RFID) 
integration for inventory 
off-site monitoring 

1.5  Remarketing digital 
workplace (e-
marketplace where 
remarketer can monitor 
and place signed 
Inventory purchase 
offers) 

Delivery completed 
compliant to software   
quality standards 

IoT  vendors  partnership 
signed 

Delivery completed 
compliant to software 
quality standards 

Remarketing 
partnership signed 

Delivery completed 
compliant to software 
quality standards 

Milestone 

KPIs results 

diligence and monitoring 
phases 

Further project on track with 
a Big4 firm in order to 
develop an inventory unsold 
value at risk (statistical 
proprietary model) 

On track 

APIs/ Data factory 
framework is under design in 
order to allow each Client 
company to automated the 
upload processes into the 
Platform 

Q2  2021 
(SAP) 

Q2  2022 
(other 
ERP) 

Q4 2021 

On track 

Identified potential US 
partners 

Q1 2022 

On track 

Preliminary agreement with 
inventory specialists (Gordon 
Brothers and SIA Group) in 
order to support the 
inventory liquidation phase 

Further discussions in place 
with specialised Auctions 

#2 Developing a multi-channel funding strategy 

ID  Strategic actions 

KPIs 
used 
measurement 

for 

Milestone 

KPIs results 

2.1  Companies – omni-

customer strategy (edu-
marketing initiatives, 
ERP’s vendors 
partnership, social 
activities, web/online 
simulators development) 

Number  of  new  Client 
companies 
originated 
yearly 

Q2 2021 

Over-achieved 

(101 
companies 
by the end 
March 21) 

194 new Client companies 
originated by virtue of the 
following origination 
agreements: 

1. Italy market (EPIC SIM – 
now Azimut Direct, over 10 
local intermediaries) 

2. UK Market (Parzival 
Partners, Altimapa) 

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Strategic report 

ID  Strategic actions 

KPIs 
used 
measurement 

for 

Milestone 

KPIs results 

2.2  Funders – diversifying 

the sources 
(securitisation notes 
continuous road shows, 
commercial banks of 
funding originated 
partnerships, partnership 
with digital platforms 
(e.g. CrossLend) 

3. MENA: iMASS 
Investments 

4. US: the TradeAdvisory 

Number of new sources 
of funding originated 

Q3 2021 

Delayed 

Amount of funding 
originated per new 
source 

ITALY 

Captive Bank and 3 potential 
inventory funders   

UK & UK common law 

3 potential inventory funders 

UAE 

1 potential inventory funder 
(Shariah funding specialist) 

US 

2 potential inventory funders 

#3 Creating a highly scalable global business 

ID  Strategic actions 

KPIs 
used 
measurement 

for 

Milestone 

KPIs results 

3.1  Operations: 

enhancement of new 
level of “Group” internal 
governance functions 
directly into PLC (e.g. 
ICT Compliance, Risk 
Management). 

3.2  Legal framework: roll out 
of the current legal 
framework (ready for 
Italian market) in order to 
serve new geographies 

State  of  work  (%  of 
yearly 
re 
progress) 
recruiting plan 

of 

new 

Number 
subsidiaries 
(and 
incorporated 
effective)  compared  to 
business projections 

Q1 2020 

Completed 

Appointments of: 

Head of Risk Management   

Head of Business 
Operations 

Over-achieved 

Business opened over the 
following regions 

MENA, UK, US 

2020 

Q3 
(first 
geography) 

Principal Risks and uncertainties 

The following risks are considered by the Board to be the most significant risks to the business: 

Funding Risk 

The Company is not currently sustainably profitable. Despite strong confidence in its business plan and 
forecasts, the Directors recognise there is a risk that it may require more funding but not be able to find 

18 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Strategic report 

agreement with a funding partner. The Directors have sought to mitigate this risk by identifying a number 
of options for funding, including both equity and debt and, as stated recently, the TradeFlow’ acquisition. 

Employee Risk 

Failure to retain key executives could adversely affect the Group's operating and financial performance. 
Retaining and motivating key executives is a critical component of the future success of the business. 
The loss of the services of any of the key management personnel will adversely affect the Group's ability 
to  maintain  or  improve  its  operating  and  financial  performance  and  as  a  result,  the  Group  is  actively 
recruiting further key personnel in other geographies to make it more robust. 

Strategic risk (competition) 

The Company’s business  model is that  of an innovative Platform for  inventory monetisation, aiming to 
capitalise  upon  market  developments  where  supply  chains  may  be  placed  under  pressure,  leading 
suppliers to hold increased amounts of inventory in order to supply both on and offline retailers, with a 
resultant restriction on available working capital. 

The  Directors  are  unaware  of  other  entities  offering  a  similar  Platform,  but  are  aware  that  future 
competitors could offer superior scale and put pressure on prices which could affect the Group’s forecast 
revenues and profit margins. 

Global Economic risk 

The Company’s business is substantially becoming global. Accordingly, the Company is exposed to the 
general  economic  impacts  of  COVID-19,  and  would  also  expect  to  be  so  in  2021,  albeit  the  current 
concern about supply chains having become too long and uncertain does provide an opportunity for the 
company. Further, with the United Kingdom having left the European Union in January 2020, and with 
the  end  of  the  subsequent  transition  period  set  out  in  the  UK-EU  Withdrawal  Agreement,  the  general 
weakness of both economies may negatively affect the financial conditions of the Group. The Directors 
recognise the risk and are working to analysis the outlook of each market which the Platform is operating. 

Financial Risk Management 

The Board monitors the internal risk management function across the Group and advises on all relevant 
risk issues. There is regular communication with internal departments, external advisors and regulators. 
The Group's policies on financial instruments and the risks pertaining to those instruments are set out in 
the accounting policies in notes 1 and 22 of the Group consolidated financial statements. 

Future development and strategy 

As stated recently by the Company, the additional time invested in addressing the request of the single 
Inventory  Funder  to  invest  in  a  more  diversified  portfolio  (by  country)  of  inventory  assets  and  the 
subsequent refocus of the Captive-funding route on wholly Italian  portfolios, inspired SYME to study a 
more  efficient  funding  structure,  also  leveraging  TradeFlow’s  experience  in  structuring  and  advising 
hedge funds. The objective is to use the new funding structure for the first monetisation transactions. 

The new funding structure will envisage a global umbrella fund which establishes special purpose vehicles 
(“stock companies”) in each operating geography. This investment structure: 

  may integrate also the existing TradeFlow Funds; 
  allows SYME to promote two investment opportunities to the market (an equity stake at the level 
of the umbrella fund and debt notes at the level of each stock company), expecting an increase 
of the funding capacity of the Platform. 

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Strategic report 

As well as completing the first inventory monetisation transactions, the Group expects to resume the Self-
Funding route in partnership with the Captive Bank, after the completion of the authorisation process. 

The international addressable market for inventory funding has been confirmed as very large, and will be 
further boosted by the trade finance market opportunities in which the Company will compete using the 
unique non-credit approach of TradeFlow. 

Once the first inventory monetisation is launched, SYME and its Inventory (“on premises” & “in transit”) 
Monetisation Platform will be instantly established as the leading fintech operator in the sector. 

Going concern   

The board's assessment of going concern and the key considerations thereto are set out in the Directors’ 
Report in the financial statements. 

Capital structure   

Details of the ordinary shares of the Company are shown in note 15 to the Group consolidated financial 
statements.   

The Company has a class of ordinary shares of £0.00002 per share and two classes of deferred shares 
of £0.04 per share and £0.01 per share respectively, both of which carry no fixed income.   

Neither class of deferred shares is admitted to the Official List on either the London Stock Exchange or 
any other exchange. 

At  the  year  end,  certain  warrants  to  acquire  shares  issued  to  Eight  Capital  Partners  Plc  were  still 
outstanding, as described in note 16 to the Group consolidated financial statements.   

Each  holder  of  ordinary  shares  is  entitled  to  receive  the  Group’s  Annual  Report  and  audited  financial 
statements, to attend and speak or appoint proxies and to exercise voting rights at the general meetings 
of  the  Company.  The  Company’s  Articles  of  Association  (the  ‘Articles’)  do  not  have  any  specific 
restrictions on the transfer of shares, restrictions on voting rights nor are there limitations on the holding 
of such shares. The Board are not aware of any agreement between holders of the Company’s shares 
that may result in restrictions on the transfer of securities or on voting rights. No person has any special 
rights of control over the Company’s share capital and all issued shares are fully paid. The appointment 
and replacement of directors and the powers of the directors are governed by the Articles, the Companies 
Act 2006 and related legislation. The powers of the directors are described in the Corporate Governance 
Report on pages 37 to 43 of the Accounts. 

Corporate responsibility 

The  Company  is  committed  to  conducting  itself  in  a  responsible  manner,  whether  in  relations  with  its 
employees or its external counterparts. 

The Company aims for an internal culture of respect  and collaboration, to both  support and challenge 
employee  growth  potential.  The  Company  promotes  a  culture  whereby  employees  are  encouraged  to 
propose  ideas,  considered  in  a  respectful  and  constructive  manner.  All  employees  are  provided  with 
structured training to reinforce the highest values of ethical and moral behaviour.    In relation to dealings 
with external counterparts, the Company seeks to maintain respectful and productive engagements with 
each counterpart, regardless of size and nature of the business. 

Thus the Directors believe that the Company conducts itself in adherence with the pillars of Corporate 
Social  Responsibility,  such  culture allowing it  to operate  ethically  and  within  legal  obligations so as to 
support financial growth.   

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Strategic report 

Greenhouse Gas Emissions and Streamlined Energy and Carbon Reporting (SECR) 

The  Companies  Act  2006  (Strategic  Report  and  Directors’  Report)  Regulations  2013  require  quoted 
companies to report their annual emissions and an intensity ratio in their Directors’ Report. There is a de 
minimis exception for organisations consuming less than 40MW of energy per year in the UK.   

The Directors have reviewed the energy consumption used by the Group and consider the Group to be 
exempt from reporting under the regulations as the Group is a low energy user. 

As a consequence, the Directors have taken advantage of this exemption and have not therefore included 
an energy and carbon report. 

As  far  as  the  Directors  are  aware  the  Group’s  current  business  activities  (an  innovative  technology 
platform for inventory monetisation) do not cause more than a negligible amount of emissions. 

Environmental issues 

As  far  as  the  directors  are  aware  the  Group’s  business  activities  do  not  cause  a  direct  and 
disproportionate adverse effect on the environment. On the contrary, one of the perceived side-effects of 
its activities is to shorten its Clients’ supply chains, which should in principle reduce transportation within 
the supply chain equation and bring a positive effect to the environment. 

The Board commits to keeping this under review as the Group’s business model establishes itself. Any 
change in such assessment will be presented to the Directors for consideration as appropriate. 

Employee matters 

The Group’s policy is to attract staff and motivate employees by offering competitive terms of employment. 
The Group provides equal opportunities to all employees and prospective employees including those who 
are disabled and operates in compliance with all relevant national legislation. 

The current business model is dependent on the current employees’ skills and the Directors will use all 
reasonable endeavours to not only ensure these skills are maintained and enhanced, but also keep the 
employees safe, incentivised and motivated.   

Diversity and equality 

The Board recognises the importance of diversity, both in its membership, and in the Group’s employees. 
It has a clear policy to promote diversity across the business. The Board considers that quotas are not 
appropriate  in  determining  its  composition  and  has  therefore  chosen  not  to  set  targets.  All  aspects  of 
diversity, including but not limited to gender, are considered at every level of recruitment. Gender diversity 
of the Board and the Group is set out below. 

Directors, employees and gender representation 

As at 31 December 2020 the Group had 14 full time equivalent staff of whom 8 were male and 6 female. 
There were 3 male and 1 female Directors of the Board and in addition there was 1 male staff in a senior 
management position. 

Social, community and human rights issues 

The Group seeks to achieve the highest ethical standards and behaviours in conducting its business, with 
integrity, openness, diversity and inclusiveness being high priority from the Board to senior management 
and throughout the workforce. We have adopted a formal equal opportunities policy which is contained 
in our employee handbook. The aim of the policy is to ensure no job applicant, employee or worker is 
discriminated against either directly or indirectly on the grounds of race, sex, disability, sexual orientation, 
gender reassignment; marriage or civil partnership; pregnancy or maternity; religion or belief or age. 

21 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Strategic report 

Directors’ statement under section 172 (1) of the Companies Act 2006 

Section  172  of  the  Companies  Act  2006  requires  Directors  to  take  into  consideration  the  interests  of 
stakeholders and other matters in their decision making. 

The Directors continue to have regard to the interests of the Group’s employees and other stakeholders, 
the  impact  of  its  activities  on  the  community,  the  environment  and  the  Group’s  reputation  for  good 
business conduct, when making decisions. 

In this context, acting in good faith and fairly, the Directors consider what is most likely to promote the 
success of the Group for its members in the long term. We explain in the Corporate Governance section 
of this annual report how the Board engages with stakeholders. 

The Directors are fully aware of their responsibilities to promote the success of the Group in accordance 
with section 172 of the Companies Act 2006. 

At  this  time,  the  Board  believes  that  it  is  compliant  with  all  ten  Principles  of  the  QCA  Code.  More 
information can be found on pages 37 to 43. 

The key Board decisions made in the year are set out below:   

Significant 
events/decisions 

RTO, listing, placing 

Key s172 
matter(s) 
affected 
s172 (1) a, b, 
c & e 

Changed Year End 

s172 (1) a & e 

Actions and impact 

In January 2019, there was a change in strategy and the 
Group announced its intention to sell all its business and 
assets,  and 
in  February 
this  sale  was  completed 
2019.From the date of the sale of the business the Group 
became  a  cash  shell  that  was  seeking  new  investment 
opportunities. 

These endeavours culminated successfully after the 2019 
year  end  and  on  23  March  2020  Abal  Group  plc 
successfully  raised  funds  through  a  £2,240,317  placing, 
issued  331,604,094  consideration  shares  to  secure  the 
acquisition  of  Supply@ME  S.r.l.  via  a  reverse  takeover 
and gained admission to the Official List as a Main Market 
company, standard segment, trading on the London Stock 
Exchange.   

Supply@ME  Capital  plc  changed  its  name  from  Abal 
Group plc on 30 March 2020. 

In the fourth quarter of 2020, the Board decided to 
change its accounting reference date to 31 December in 
order to streamline and future-proof its financial reporting 
processes. This resulted in having to insert a set of 
audited statutory financial reports for the 9 months to 31 
December 2019. These were issued in January 2021 – 
the lateness of which incurred a temporary suspension of 
the Company’s shares, lifted on 9 March 2021. 

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Strategic report 

Significant 
events/decisions 

Chief Financial Officer 
recruiting 

Key s172 
matter(s) 
affected 
s172 (1) a 

Actions and impact 

The Company’s Nomination Committee recommended 
the appointment of a Chief Financial Officer. This was 
achieved post year-end. 

Approved by the Board and signed on its behalf by 

Alessandro Zamboni 
Director 

25 June 2021 

*************************

23 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors 

The current board comprises four directors, whose details are set out below: 

EXECUTIVE DIRECTORS 

Alessandro Zamboni – appointed 23 March 2020 

Mr Zamboni is a director who specializes in the financial services industry and related strategic and digital 
operating models. 

Since  2008,  he  has  been  managing  the  delivery  and  the  sales  operations  of  a  consulting  company 
specialising in Regulatory & Internal Controls for Banks and Insurance Firms. 

Mr Zamboni founded The AvantGarde Group, the former parent company of Supply@ME S.r.l., in 2014. 

NON-EXECUTIVE DIRECTORS 

Dominic White – (Non-Executive Chairman) appointed 23 March 2020   

Chair of Audit Committee 

Mr White has invested in public markets and private equity for 25 years. He has acquired and managed more 
than £3 billion of assets across Europe and held board positions at a number of public companies including 
KCR  Residential,  REIT  Plc,  Eight  Capital  Partners  Plc  and  Limitless  Earth  Plc,  as  well  as  at  international 
investment institutions such as Security Capital European and Henderson Global Investors. 
He is a member of the Institute of Chartered Financial Analysts. 

Susanne Chishti – appointed 23 March 2020 

Chair of Remuneration and Nominations Committee and Senior Independent Director 

Ms Chishti brings over 20 years of financial expertise and  board-level  experience focused on organisational 
governance, and a strong understanding of the small/medium size enterprise market. Her experience draws on 
14 years in banking with senior positions at Morgan Stanley, Lloyd’s Banking Group and Deutsche Bank.   
As CEO of FINTECH Circle she is an award winning entrepreneur and global expert in financial technology, new 
business models and a bestselling Editor of The FINTECH Book Series published by Wiley. 

Enrico Camerinelli – appointed 23 March 2020 

Mr. Camerinelli is a Supply Chain specialist.    He takes part in projects launched by the United Nations 
Economic Commission for Europe, the World Bank, the World Trade Board, and the Council of Supply 
Chain Management Professionals relating to Supply Chain finance and research. 

He regularly attends major industry events as an invited guest speaker. 

Other directors in the year 

Simon Charles (Non-Executive Director) – resigned 23 March 2020 

Former Chair of Audit Committee and Remuneration Committee 

Mr  Charles  is  joint  senior  equity  partner  at  the  City  of  London  firm  of  solicitors  Marriott  Harrison  LLP, 
having joined the firm in March 2004. He is a qualified solicitor in England and Wales and has substantial 
experience advising private and public companies and investors in both a corporate and legal capacity. 
Mr. Charles had worked closely with the Company for a number of years. Prior to joining Marriott Harrison 
LLP,  Mr.  Charles  worked  in  the  corporate  finance  department  at  Numis  Securities  Limited,  where  he 
advised both AIM quoted and Main Market companies as a nominated advisor and sponsor. 

John Treacy (Non-Executive Director) – resigned 23 March 2020 

Mr Treacy is a London based experienced small cap financier who specialises in working with growing 
companies.  He  qualified  as  a  solicitor  in  the  London  office  of  a  major  international  law  firm  where  he 

24 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors 

specialised  in  Capital Markets and  Merger &  Acquisitions. From there  he  moved  to  practice  corporate 
finance in the advisory teams of several prominent UK brokerages where he acted as an  adviser to a 
number of AIM companies and advised on numerous IPOs, acquisitions, debt restructurings and placings. 

Board committees   

The Board maintains three sub-committees: 

  The  Audit  Committee,  responsible,  amongst  other  things,  for  making  recommendations  to  the 
Board on the appointment of auditors and the audit fee, monitoring and reviewing the integrity of 
the Company’s financial statements and any formal announcements on the Company’s financial 
performance as well as reports from the Company’s auditors on those financial statements. In 
addition,  the  Audit  Committee  reviews  the  Company’s  internal  financial  control  and  risk 
management  systems  to  assist  the  Board  in  fulfilling  its  responsibilities  relating  to  the 
effectiveness of those systems, including an evaluation of the capabilities of such systems in light 
of the expected requirements for any specific acquisition target. The Audit Committee meets at 
least twice a year, or more frequently if required, and is chaired by the Chairman of the Board 
with Susanne Chishti, a Non-Executive Director as a further member. 

  The  Remuneration  Committee,  which  assists  the  Board  in  determining  its  responsibilities  in 
relation  to  remuneration,  including  making  recommendations  to  the  Board  on  the  policy  on 
executive  remuneration, 
the  over-arching  principles,  parameters  and 
governance  framework  of  the  Company’s  remuneration  policy  and  determining  the  individual 
remuneration  and  benefits  package  of  each  of  the  executive  Directors.  The  Remuneration 
Committee  also  ensures  compliance  with  the  Corporate  Governance  Code  in  relation  to 
remuneration wherever possible. The Remuneration Committee meets not less than twice each 
year, and is and comprised of two Non-Executive Directors: Susanne Chishti (Chair) and Enrico 
Camerinelli. 

including  setting 

  The Nominations Committee, responsible, amongst other things, for reviewing the structure, size 
and  composition  of  the  Board  and  ensuring  that  it  is  comprised  of  the  right  balance  of  skills, 
knowledge  and  experience,  identifying  and  nominating  for  approval  candidates  to  fill  any 
vacancies on the Board as and when they arise, giving full consideration to succession planning 
for the Company and making recommendations as to the composition of the other committees of 
the Board. The Corporate Governance Code recommends that a majority of the members of a 
nomination  committee  should  be  independent  non-executive  directors.  The  Company’s 
Nomination  Committee  meets  this  requirement  and  meets  not  less  than  twice  a  year  and  is 
chaired by Susanne Chishti; the other Non-Executive Director being Enrico Camerinelli. 

In the financial reporting period to 31 December 2019 as the Group was non-trading, the board did not 
establish an audit committee nor a remuneration committee. 

Attendance at Board and Committee meetings 2020 

Meetings attended / held: 

Alessandro Zamboni 

Dominic White 

Enrico Camerinelli 

Susanne Chishti 

Simon Charles 

John Treacy 

Board

Nominations 
committee

Audit committee 

Remuneration
committee

8/8

8/8

8/8

7/8

0/0

0/0

1/1

1/1

1/1

1/1

0/0

0/0

1/1 

1/1 

1/1 

1/1 

0/0 

0/0 

1/1

1/1

1/1

1/1

0/0

0/0

*************************

25 

 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors’ Report 

The Directors present their report together with the audited consolidated financial statements for the year 
ended 31 December 2020. A comprehensive review and assessment of the Group’s activities during the 
year as well as its position at the year end and  prospects for the forthcoming year are included in the 
Chairman  and  Chief  Executive’s  Statement  and  the  Strategic  Report.  These  reports  can  be  found  on 
pages 4 to 23 and should be read in conjunction with this report. 

Results and dividends   
The consolidated statement of comprehensive income is set out on page 48 and shows the results for 
the year.    Details about the reverse acquisition completed in the year are disclosed in note 3 to the Group 
consolidated financial statements. 

The loss before tax for the year was £2,819,000 (2019: loss £687,000). 

The directors do not recommend the payment of a dividend. 

Directors of the Group 
The Directors, who held office during the period, and subsequently, together with current Directors are as 
follows: 

Mr Enrico Camerinelli – Non-Executive (appointed 23 March 2020) 

Mrs Susanne Chishti - Non-Executive (appointed 23 March 2020) 

Mr Dominic White - Non-Executive Chairman (appointed 23 March 2020) 
Mr Alessandro Zamboni – Chief Executive (appointed 23 March 2020) 
Mr Simon Charles (resigned 23 March 2020) 

Mr John Treacy (resigned 23 March 2020) 

Details of the Directors are set out on page 24 to 25. 

Matters covered in the Strategic Report 
A review of the business, future developments, subsequent events and principal risks and uncertainties 
are disclosed in the Strategic Report. 

Corporate governance statement 
The Corporate Governance Report on pages 37 to 43 forms part of the Directors’ Report. 

Directors’ and officers’ liability insurance 
During the year the Company had, as permitted by s234 and 235 of the Companies Act 2006, maintained 
insurance  cover on  behalf  of the Directors and  Company Secretary indemnifying them  against  certain 
liabilities which may be incurred by them in relation to the Company. 

Financial Instruments   
Note  22  to  the  Group  consolidated  financial  statements  sets  out  the  risks  in  respect  of  financial 
instruments. The board reviews and agrees policies, delegating appropriate authority for applying these 
policies to the Chief Executive and Chief Financial Officer. Financial instruments are used to manage the 
financial  risks  facing  the  Group  and  speculative  transactions  are  prohibited.  Treasury  operations  are 
reported at each board meeting and are subject to weekly internal reporting.   

IFRS 
The  Directors  have  prepared  the  Group  consolidated  financial  statements  in  accordance  with 
International Accounting Standards in conformity with the requirements of the Companies Act 2006 and 

26 

 
 
 
 
 
 
 
 
 
 
 
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Directors’ Report 

International  Financial  Reporting  Standards  adopted  pursuant  to  Regulation  (EC)  No  1606/2002  as  it 
applies  in  the  European  Union  (“adopted  IFRS”)  and  with  those  parts  of  the  Companies  Act  2006 
applicable to companies preparing their accounts under adopted IFRS. 

Political and charitable donations 
No political or charitable donations were made during the period. 

Directors' interests   
The directors who held office during the year and their interests in the ordinary shares of the Company 
were as follows: 

Dominic White (held through IWEP Ltd) 

Alessandro Zamboni (held through AvantGarde Group 
SpA) 
Enrico Camerinelli 

Susanne Chishti 

Simon Charles (resigned 23 March 2020) 
John Treacy (resigned 23 March 2020) 

At 31 December 
2020 

At 31 December 
  2019 

Ordinary shares 

Ordinary shares 

970,723,449 

12,742,513,009   

Nil 

Nil 

Nil 
Nil 

Nil 

Nil 

Nil 

Nil 

315,371 
Nil 

Going concern 
For the reasons set out below, the Directors consider that it is appropriate to adopt the going concern 
basis in preparing these financial statements. 

At the year-end the Group had cash balances of £552,000 (2019: £143,000) and net current liabilities of 
£1,332,000 (2019: net current liabilities £748,000). The Group has posted a loss for the year after tax of 
£2,964,000 (2019: loss £554,000) and retained losses were £3,706,000 (2019: losses £705,000). 

The net  current  liabilities as  at the year  end  of £1,332,000 included current  liabilities  of £1,131,000  in 
relation to down-payments made by clients with respect to due diligence services provided. The loss after 
tax of £2,964,000 was after charging an exceptional, non-cash cost of £1,376,000 relating to the Reverse 
Takeover referred to in note 3 to the Group consolidated financial statements and a £145,000 tax charge 
which is expected to be substantially reduced by research and development credits for which the Group 
is applying. 

During the year, the Group was successfully admitted to trading as a Main Market company, standard 
segment, trading on the London Stock Exchange having also issued placing shares with gross proceeds 
of £2,240,000 (net proceeds of £1,615,000 after deducting all costs in respect of the placing and reverse 
takeover).   

The Directors have reviewed the forecast cashflows for the next 12 months and consider the Group to be 
a going concern. 

The cashflow forecasts are based on the enlarged group, following the Reverse Takeover in March 2020 
and therefore relate to cashflows arising from the Group’s Fin Tech platform that focusses on inventory 

27 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors’ Report 

monetisation facilities. The Directors have prepared the forecast using their best estimates; however, the 
company is in its start-up phase and therefore they have identified the following uncertainty in the model. 

The  ability  of  the  Group  to  acquire  inventory  is  reliant  on  investment  funding  for  securitisation  being 
received,  and  whilst  the  Group  is  in  very  advanced  negotiations  with  several  interested  partners,  no 
securitisation investment had been finalised as at the date of this report. If no, or limited investment is 
secured during the next 12 months, the Group cannot acquire inventory as assumed in the model and 
generate the service fee income.   

In addition the group has a portfolio of interested customers, with some having signed term sheets. The 
cashflow model assumes a growth in customer base in line with the interest that has been received in the 
product but there is uncertainty over the ability of the group to be able to secure these new customers. 

On the basis of the above matters the directors have a material uncertainty in relation to its going concern 
status. In  mitigation, however, a corporate funding organisation has made sufficient funds available to 
stimulate the growth of the Group and accommodate any delays in revenue generation. Therefore, given 
the significant interest from a growing secured customer base, as described elsewhere in this report and 
the advanced nature of securitisation funding negotiations, the Directors consider it appropriate to prepare 
the financial statements on a going concern basis. 

Impact of the global pandemic 
As noted previously in numerous announcements, the Board has monitored closely the impact of COVID-
19 on business operations. 

Impact on Client companies 
SYME's  Client  company  customer  base  remains  strong  and  the  demand  for  inventory  monetisation 
continues to grow.   The number of Client companies being originated by SYME has grown each quarter 
since the Reverse Take Over in March 2020.   Increasingly, following COVID-19, many businesses are 
consciously choosing to build inventory to avoid supply chain shortages and subsequent loss of trade, 
rather than keep stock levels low.   This is positive development for SYME's business model as it expects 
that Client companies internationally will look to monetise these higher volumes of stock held. 

Impact on Inventory funders 
The impact of COVID-19 on Inventory funders, that is the investors through the SYME Platform into the 
inventory portfolios, has been more difficult to interpret. 

Interest  rates  are  at  historic  lows  which  means  that  investors  are  getting  lower  returns  on  capital 
compared  to  previous  years  when  higher  interest  rates  were  the  norm.   SYME's  new  inventory  asset 
class  will  offer a strong relative margin compared to  interest rates on  a risk  adjusted  basis. However, 
investors  are  undoubtedly  more  cautious  and  taking  longer  to  make  decisions.   Time  to  close 
transactions, not only in Inventory funding, but across the investment spectrum, has increased. 

The announced delay to June 2021 forecast to complete the first Inventory Monetisation has been the 
result. 

We  are  positive  about  the  performance  of  the  Company  in  the  coming  months  as  we  expect  the  first 
securitisation  transaction  to close  and  the  Captive  Bank to  launch as announced  in the  latest Trading 
Update.   The re-opening  of  the  global  economies as  the  uncertainty caused by  COVID-19 dissipates, 
particularly  in  the  UK,  Italy,  the  USA  and  UAE,  our  key  target  geographies,  where  vaccination 
programmes are now showing the virus to be broadly under control, should be a strong stimulus to the 
Group’s timely product offering. 

Post balance sheet events 
In the first four months of 2021, the Company announced the following material events: 

28 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors’ Report 

  11 January 2021: SYME announced that it has entered into an agreement with Lenovo Financial 
Services META LLC (“LFS”). The SYME Platform will be positioned as an alternative solution to 
complement  LFS’s  existing  vendor  programme  offerings  to  their  network  of  customers  in  the 
Middle East, Turkey and Africa region (excluding South Africa). 
The purpose of the co-operation agreement, made with the strategic support of iMASS, was to 
deliver a dedicated inventory monetisation programme to LFS’s customers which may also allow 
them to evaluate the opportunity to adopt the upcoming Shariah version of the Platform. 

  20 January 2021: following the announcement of 3 November 2020, the Company, by virtue of 
the  support  of  the  Shariah  Funding  Specialist  and  iMASS,  announced  that  the  authorisation 
process  for  SYME’s  Shariah  compliant  Inventory  Monetisation  Platform  was  successfully 
completed. 

  21 January 2021: further to the Company’s announcement of 19 January, 2021, the Company’s 
shares were temporarily suspended from trading on 21 January 2021 due to a technical breach 
of  DTR  rule 2.0 (reporting  timetable).  This happened  because  SYME  had, in  accordance with 
company  law,  proactively  taken  the  decision  to  change  its  accounting  reporting  date  to  31 
December to match that of its current subsidiaries and likely future subsidiaries in the middle east 
and USA. Countries have different standard reference accounting dates but it had become clear 
that the typical reporting period across the Group’s target business geographies was the calendar 
year.     
Therefore, on 19 January 2021, the Company changed its Accounting Reference Date from 30 
September to 31 December. 

This change required the Company to produce two sets of historic accounts:   

o  Audited accounts for the nine months to 31 December 2019, which were published on 

28 January 2021 

o  Unaudited Interim accounts to for the six months to 30 June 2020, published on 29 

January 2021 

Although this created additional work in the short-term, it had the immediate benefit of allowing 
the Company to produce 2020 accounts completely segregated from the Abal Group’ business 
and it also became clear that in the longer term, aligning all of the reporting dates to the calendar 
year would significantly streamline the financial reporting consolidation process.     
Despite being compliant with company law timetables for reporting when accounting reference 
dates are changed, the Company was advised that it had triggered a technical stock exchange 
reporting timeline breach and the Company therefore requested the temporary suspension of its 
shares on 21 January 2021.   

The subsequent  restoration  process  was  managed  directly with  the FCA  during February and 
trading in the Company’s shares resumed on 9 March 2021. 

  9 March 2021: following confirmation from the Financial Conduct Authority, the Company was 
announced the restoration of its Listing on the Standard List of The London Stock Exchange and 
the resumption of dealings in its Ordinary shares. 

  17 March 2021: SYME announced on 17 March 2021 the signing of Heads of Terms (“HoT”) for 
the  acquisition  of  Tradeflow  Capital  Management  Pte  Ltd.,  the  leading  FinTech-powered 
commodities trade enabler, focused on SMEs, based in Singapore. 
A sale and purchase agreement was signed and announced on 26 May 2021. 

The  conclusion  of  the  acquisition  (expected  in  early  July  2021)  will  allow  SYME’s  Platform  to 
complete its global offering, by monetising inventory (in particular commodities) “in-transit”. Not 

29 

 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors’ Report 

least,  it  generates  a  number  of  attractive  synergy  benefits  for  SYME  from  both  a  funding  and 
customer origination perspective. 

  1  April  2021:  Finally,  the  Company,  in  the  current  trade  update  released  on  1  April  2021, 
announced the appointment of Ms Amy Benning as Chief Financial Officer with effect from 7 June 
2021.  Ms  Benning  joins  from  Alfa  Financial  Software  Holdings  plc,  a  UK  main  market  listed 
company. Prior to this she spent 12 years at PwC London where she specialised in UK capital 
raising transactions, M&A and IPOs for a range of clients. 

  16  June  2021:  The  Company  announced  that  it  had  entered  into  a  subscription  agreement 
(“Subscription Agreement”) with Negma Group Ltd for the issue of an initial tranche of £5,600,000 
of Convertible Loan Notes at £56,000 par value for which it had issued a drawdown notice at a 
subscription  price of £50,000  per Convertible Loan Note  for an aggregate total of £5,000,000. 
The Subscription Agreement allows for a further nine tranches to be issued at the same par value 
at the exclusive option of the Company. 

Further details can be found in note 26 of the Group consolidated financial statements. 

30 

 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors’ Report 

Statement of Directors' Responsibilities 

The  Directors  acknowledge  their  responsibilities  for  preparing  the  Annual  Report  and  the  financial 
statements in accordance with applicable law and regulations. 

Company law requires the Directors to prepare financial statements for each financial year. Under that 
law the Directors have elected to prepare the Group consolidated financial statements in accordance with 
International Accounting Standards in conformity with the requirements of the Companies Act 2006 and 
International  Financial  Reporting  Standards  adopted  pursuant  to  Regulation  (EC)  No  1606/2002  as  it 
applies  in  the  European  Union  (‘IFRSs’).    Under  company  law  the  Directors  must  not  approve  the 
financial statements unless they are satisfied that they give a true and fair view of the state of affairs of 
the Group and of the Group’s results for that period.   

In preparing these financial statements, the directors are required to: 
•  select suitable accounting policies and apply them consistently; 
•  make judgements and accounting estimates that are reasonable and prudent; 
•  state whether applicable IFRSs have been followed, subject to any material departures disclosed 

and explained in the financial statements; and 

•  prepare the financial statements on the going concern basis unless it is inappropriate to presume 

that the Group and Company will continue in business. 

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

Website publication 

The  Directors  are  responsible  for  ensuring  that  the  Annual  Report  and  financial  statements  are  made 
available on the website. Financial statements are published on the Group’s website in accordance with 
legislation in the United Kingdom governing the preparation and dissemination of financial statements, 
which may vary from legislation in other jurisdictions. The Directors are responsible for the maintenance 
and integrity of the corporate and financial information included on the Company’s website. The Directors’ 
responsibility also extends to the ongoing integrity of the financial statements contained therein.   

Directors’ responsibilities pursuant to DTR 4 

The Directors confirm that to the best of their knowledge: 
 

the  Group  consolidated  financial  statements  have  been  prepared  in  accordance  with  International 
Accounting  Standards  in  conformity  with  the  requirements  of  the  Companies  Act  2006  and 
International Financial Reporting Standards adopted pursuant to Regulation (EC) No 1606/2002 as 
it applies in the European Union and Article 4 of the IAS regulation and give a true and fair view of 
the assets, liabilities, financial position and profit and loss of the Group; and 

 

the Annual Report includes a fair review of the development and performance of the business and 
the position of the Group, and the parent Company, together with a description of the principal risks 
and uncertainties that they face. 

Disclosure of information to the auditor 

Each director at the date of approval of this annual report confirms that: 

 

so  far  as  the  directors  are  aware,  there  is  no  relevant  audit  information  of  which  the  Group’s  and 
Company’s auditor is unaware; and 

  all the directors have taken all the steps that they ought to have taken as directors in order to make 
themselves aware of any relevant audit information and to establish that the auditor is aware of that 
information.  

31 

 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Directors’ Report 

Auditor 

The auditor, Crowe U.K. LLP, will be proposed for re-appointment at the forthcoming Annual General 
Meeting 

Alessandro Zamboni 

On behalf of the Board 

Director 

25 June 2021 

*************************

32 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Remuneration Report 

The Company established a remuneration committee on 23 March 2020, at the time of its listing on the 
main  London  Stock  Exchange  as  described  in  the  Strategic  Report.    The  previous  Remuneration 
Committee in place was discontinued following the sale of the business during February 2019. 

The information in the Annual Remuneration Report only contains information for the current year to 31 
December 2020. Salary information for prior year has not been provided as the company was not listed 
on the main market. The financial statements for the comparative period are available at Companies 
House.   

Remuneration Committee   

The  Remuneration  Committee  assists  the  Board  in  determining  its  responsibilities  in  relation  to 
remuneration,  including  making  recommendations  to  the  Board  on  the  policy  on  Executive 
remuneration, including setting the over-arching principles, parameters and governance framework of 
the Group’s remuneration policy and determining the individual remuneration and benefits package of 
each  of the  Executive Directors.  The  Remuneration  Committee will also  ensure  compliance with the 
Corporate  Governance  Code  in  relation  to  remuneration  wherever  possible.  The  Remuneration 
Committee, which is chaired by Susanne Chishti, meets at least twice each year. 

Nomination Committee 

The Nomination Committee is responsible, amongst other things, for reviewing the structure, size and 
composition of the Board and ensuring that it is comprised of the right balance of skills, knowledge and 
experience, identifying and nominating for approval candidates to fill any vacancies on the Board as 
and  when  they  arise,  giving  full  consideration  to  succession  planning  for  the  Company  and  making 
recommendations  as  to  the  composition  of  the  other  committees  of  the  Board.  The  Corporate 
Governance Code recommends that a majority of the members of a nomination committee should be 
independent non-executive directors. The Company’s Nomination Committee will meet this requirement 
in due course. The Nomination ‘Committee which is chaired by Susanne Chishti meets at least twice 
each year. 

Remuneration Committee and Nomination Committee   

The  Remuneration  Committee  and  Nomination  Committee  (the  “Committee”)  is  responsible  for  the 
establishment and any changes to the remuneration  policy which  will be reviewed every 12 months. 
Under this policy the Committee approves the criteria and parameters in respect of remuneration of the 
Board  of  Directors  and  approve  salary  levels  in  respect  of  Executives  and  Personal  by  external 
benchmarking and alignment of overall compensation. 

Remuneration policy 

The  main  aim  of  the  Group’s  remuneration  policy  is  the  ability  to  offer  competitive  remuneration 
packages which are designed to attract, retain and provide appropriate incentives to Executive Directors 
and Senior Management with the experience and necessary skills to operate and develop the Group’s 
business to its maximum potential, thereby delivering the highest level of return for the shareholders.   

The  remuneration  policy  was  set  on  7  June  2021  and  will  be  reviewed  every  12  months  by  the 
Remuneration and Nomination Committees. 

Consistent with this policy, benefits packages awarded to Executives are intended to be competitive 
and will comprise a mix of non-performance-related and performance-related remuneration designed 
to provide appropriate incentives to them, but not to detract from the goals of corporate governance.   

33 

 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Remuneration Report 

Remuneration components for executive directors 

Remuneration packages  will be reviewed each year to  ensure  that they are  in  line  with the Group’s 
business plan and budgetary framework. No Executive Director has participated in decisions about their 
own remuneration package.   

Existing Board 

The existing board has remained within the Company throughout the period from Listing and there have 
been no settlement agreements or departure of any board members. 

Alessandro Zamboni - Founder & Chief Executive Officer 

Mr Zamboni was appointed as Executive Director and Chief Executive officer on 23 March 2020.    The 
appointment is terminable with 12 months’ notice on either side. The appointment may be terminated 
immediately, if, among other things, Mr Zamboni is in material breach of his terms of appointment. 

Dominic White – Non- Executive Chairman 

Mr  White  was  appointed  as  Non-Executive  Chairman  on  23  March  2020.    The  appointment  is 
terminable with 3 months’ notice on either side. The appointment may be terminated immediately, if, 
among other things, Mr White is in material breach of his terms of appointment. 

Enrico Camerinelli – Non-Executive Director 

Mr  Camerinelli  was  appointed  as  a  Non-Executive  Director  on  23  March  2020.  The  appointment  is 
terminable with 3 months’ notice on either side. The appointment may be terminated immediately, if, 
among other things, Mr Camerinelli is in material breach of his terms of appointment. 

Susanne Chishti - Non-Executive Director 

Ms  Chishti  was  appointed  as  a  Non-Executive  Director  on  23  March  2020.  She  is  also  chair  of  the 
Remuneration and Nominations committees Her appointment is terminable with 3 months’ notice  on 
either side. The appointment may be terminated immediately, if, among other things Ms Chishti is in 
material breach of her terms of appointment. 

The  current  board  members  were  entitled  to  the  following  annual  remuneration  per  their  respective 
services during the year ended 31 December 2020. No amounts have been deferred. 

Service Contracts 

Annual Salary 

Reviewed 

Date of service 
contact 

Notice period 

Executive directors 

Alessandro Zamboni 

£185,000 

  Salaries  are 
in 
reviewed 
March 
each 
year   

23 March 2020 

12 months 

Non-executive directors 

Dominic White 

£100,000  to  31 
August 2020 

£150,000 from 1 
September 
2020 

34 

23 March 2020 

3 months 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Remuneration Report 

Annual Salary 

Reviewed 

Enrico Camerinelli 

Susanne Chishti 

  £30,000 

  £40,000 

Potential maximum Benefit   

Date of service 
contact 

Notice period 

23 March 2020 

3 months 

23 March 2020 

3 months   

The maximum amounts that the Executive Directors could earn for the year ended 31 December 2020 
is limited to the basic salary, pro-rated, as no bonus scheme, pension scheme or other benefits were 
set up during the year. The purpose of the basic salary is to provide a market competitive remuneration 
taking into account the roles, skills and contribution of the individual.   

Subsequent to the reporting period as noted above, The Remuneration and Nominations Committee 
approved the Company’s remuneration policy and this has resulted in changes in the composition of 
packages for Executives. These changes will be in force for the year ended 31 December 2021 and 
include additional benefits for the Executive Directors. The remuneration policy now also includes an 
annual bonus to incentivise the Chief Financial Officer and Senior Management to achieve key strategic 
outcomes and deliver value for the shareholders. 

Policy on non- executive directors 

Non-Executive directors receive fixed fees recommended by Chief Executive Officer and approved by 
the Remuneration committee. In determining the appropriate level of fees, the Chief Executive Officer 
considers  information  available  for  comparator  companies  and  related  market  data.  Non-Executive 
Directors are also entitled to reimbursement of expenses in connection with attending board and other 
committee meetings. It is the aim of the Company to ensure that Non-Executive Directors are paid a 
level of fee that that reflects their time commitment and responsibilities to ensure that individuals with 
the appropriate experience and expertise are retained. 

Recruitment policy   

The approach to remuneration with regard to recruiting staff is to ensure the Company pays no more 
than  necessary  to  attract  the  candidates  with  the  calibre  and  experience  the  fulfil  the  role.    The 
Company would only consider candidates for a directorship if they hold the necessary experience and 
qualities to help the Group enhance value to shareholders and assist in achieving its strategic goals. 

Directors’ remuneration in the period 

For the year ended 31 December 2020: 

Salary £ 

      Bonus £  Pension/other £ 

Total £ 

Executive directors 
Alessandro Zamboni 

Non -executive 
directors 
Dominic White 

Enrico Camerinelli 

Susanne Chishti 

138,750 

98,141 

21,054 

30,923 

          288,868 

35 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

    138,750 

      98,141 

      21,054 

      30,923 

    288,868 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Remuneration Report 

Pension and other benefits 

No  directors  received  any  benefits  under  any  Company  or  Group  pension  schemes.  No  other 
remuneration was received by the directors other than the salary noted above. 

Share incentive and share option plans 

The Company had no share incentive plans or share option schemes for any of its directors for the year 
ended 31 December 2020. 

Payments to past directors 

There have been no payments in the year to past directors. 

Payments for loss of office   

There have been no payments during the period for loss of office to past directors. 

Statement of directors’ substantial shareholdings 

Executive Directors 
Alessandro Zamboni * 

Non -Executive Directors 
Dominic White ** 

Enrico Camerinelli 

Susanne Chishti 

  Ordinary shares held    Deferred shares held   

12,742,513,009 

970,723,449 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

* Held beneficially through the AvantGarde Group SpA 

**Held beneficially through IWEP Ltd. 

Susanne Chishti 

Chair of the Remuneration Committee   

25 June 2021 

************************* 

36 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

As  Chairman  of  the  current  Board  of  Directors  of  Supply@ME  Capital  plc  (“SYME”,  “We”,  or  the 
“Company/Group” as the context requires), it is my responsibility to ensure that SYME has both sound 
corporate governance and an effective Board. My responsibilities include leading the Board effectively, 
overseeing  the  Company’s  corporate  governance  model,  and  ensuring  that  good  information  flows 
freely between Executives and Non-Executives in a timely manner.   

SYME  has  adopted  the  Quoted  Companies  Alliance  Corporate  Governance  for  small  and  Mid-Size 
quoted companies (QCA Code). This report follows the structure of these guidelines and explains how 
we have applied the guidance. We will provide annual updates on our compliance with the QCA Code. 
The  Board  considers  that  the  Group  complies  with  the  QCA  Code  so  far  as  it  is  practicable  having 
regard to the size, nature and current stage of development of the Company, and will disclose any areas 
of non-compliance in the text below.   

SYME understands that application of the QCA Code supports the Company’s medium to  long-term 
success whilst simultaneously managing risks and providing an underlying framework of commitment 
and transparent communications with stakeholders. We are committed to monitoring and promoting a 
socially  responsible  corporate  culture,  illustrated  through  internal  policies  and  external  stakeholder 
engagement.   

As  a  Main  Market  company,  (standard  segment,  trading  on  the  London  Stock  Exchange)  This 
information needs to be reviewed annually and our website includes this information. 

Dominic White 
Non-Executive Chairman 

Principle 1.   

Establish a strategy and business model which promote long-term value for shareholders.   

The  Company  plans  to  continue  its  growth  both  organically  and  potentially  through  acquisitions, 
expanding its range of services, as well as expanding into new vertical and geographic markets. The 
Company’s strategy and  business model, as well as the competitive landscape  can be found on the 
Company’s website.   

Principle 2.   

Seek to understand and meet shareholder needs and expectations.   

Dominic White, (Non-Executive Chairman) and Alessandro Zamboni (Chief Executive Officer) are the 
key  shareholder  liaison  contacts  alongside  the  Company’s  Financial  Advisers.  In  addition,  Susanne 
Chishti  is  the  Senior  Independent  Non-Executive  Director,  whom  shareholders  are  encouraged  to 
contact  if  there  are  any  concerns  about  matters  relating  to  related  party  transactions  and  wider 
corporate governance. 

The Group seeks to maintain and enhance good relations with its shareholders. The Company’s interim 
and  annual  reports  will  be  supplemented  by  capital  market  presentations  and  through  public 
announcements to the market on corporate, technological and financial progress.   

The  Board  will  actively  engage  with  shareholders  at  least  three  times  a  year.  Meetings  will  be  held 
following results announcements and are either one-to-one or group meetings with institutional and high 
net worth investors. Another forum for meeting shareholders is the AGM, to which all shareholders will 
be invited to attend and spend time with management. In addition, the Company will seek to respond 
to 
address: 
sent 
shareholders@supplymecapital.com. 

shareholder 

shareholder 

designated 

queries 

email 

its 

to 

37 

 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

The  Company’s  financial  and  investor  relations  advisers  help  to  provide  the  Board  with  investor 
feedback after investor presentations and meetings,  as well as calls with shareholders following key 
items of news flow. Via communication with the Company’s advisers, and investment analysts, together 
with Regulatory News Service announcements and the Company’s Annual Report, the Board gauges 
investor sentiment, sets expectations and communicates the Company’s intentions.   

Where feedback  is received  directly from shareholders or  shareholder advisory  groups,  for example 
relating  to  voting  intentions  on  general  meeting  motions,  this  will  be  brought  to  the  attention  of  and 
discussed by the Board and the key Company investor liaisons will discuss with investors their reasons 
for voting and if necessary work with these and other investors to determine an appropriate course of 
action for the benefit of all shareholders.   

Principle 3.   

Take into account wider stakeholder and social responsibilities and their implications for long-
term success. 

The Board considers the interests of shareholders and all relevant stakeholders in line with section 172 
of the Companies Act 2006. Engaging with our stakeholders strengthens our relationships and helps 
us make better business decisions to deliver on our commitments. The Board is regularly updated on 
wider  stakeholder  engagement  feedback  to  stay  abreast  of  stakeholder  insights  into  the  issues  that 
matter  most  to  them  and  our  business,  and  to  enable  the  Board  to  understand  and  consider  these 
issues  in  decision-making.  Details  of  how  we  seek  to  understand  and  meet  shareholder  needs  and 
expectations are set out at Principle 2, above.   

For its wider group of stakeholders, the Company intends to engage with these via: 

  •  Face-to-face  (physically  or  via  remote  systems)  briefings  for  staff  to  update  on  the  Company’s 
progress and developments;   

  • Email updates for staff regarding developments; 

  • Releasing public updates via the RNS service; 

  • Regular meetings with key customers and commercial partners.   

Stakeholder feedback is passed to Senior Management via the relevant team member as appropriate.   

Principle 4.   

Embed effective risk management, considering both opportunities and threats, throughout the 
organisation.   

The  Board  has established a  risk  management process for identifying,  assessing  and  mitigating the 
principal risks and uncertainties facing the Group. The Company’s risk register will be considered by 
the  Board  on  a  quarterly  basis,  with  ad  hoc  reviews  conducted  as  required.  More  detail  about  the 
identified  principal  risks  and  uncertainties  can  be  found  in  the  Admission  Document  on  the  Group’s 
website. The Board is responsible for establishing and maintaining the Company’s system of internal 
financial controls and the Audit Committee assists the Board in discharging its duties relating to internal 
financial controls. Internal financial control systems are designed to meet the particular needs of the 
Company and the risk to which it is exposed, and by its very nature can provide reasonable, but not 
absolute, assurance against material misstatement or loss.   

Areas  of  focus  for  internal  financial  controls  include  strategic  planning,  approval  of  annual  budgets, 
regular monitoring of performance against budget (including full investigation of significant variances), 
control of capital expenditure and ensuring  proper accounting records are  maintained. The Directors 
will continue to reassess internal financial controls as the Company expands further. It is the Board’s 
policy  to  ensure  that  the  management  structure  and  the  quality  and  integrity  of  the  personnel  are 
compatible with the requirements of the Group.   

38 

 
 
 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

The Company’s auditors will be encouraged to raise comments on internal control in their management 
letter  following  their  audit,  and  the  points  raised  and  actions  arising  will  be  monitored  through  to 
completion by the Audit Committee.   

Principle 5.   

Maintaining the Board as a well-functioning, balanced team led by the Chair.   

The  Board  consists  of  the  Non-Executive  Chairman,  the  Chief  Executive  and  two  additional  Non-
Executive  Directors.  The  biographical  details  of  the  Board  members  can  be  found  in  the  Admission 
Document and on the Company’s Website.   

The  Board  has  determined  that  Enrico  Camerinelli  (Aged  57)  and  Susanne  Chishti  (Aged  48)  are 
independent  in  character  and  judgment  and  satisfy  the  independence  criteria  under  the  QCA  Code. 
Susanne Chishti has also been appointed as Senior Independent Non-Executive Director.   

The Board is typically expected to meet monthly in order to, amongst other things, approve financial 
statements, dividends and significant changes in accounting practices and key commercial matters.   

The Directors commit the requisite amount of time to their respective roles to ensure that they discharge 
their  individual  and  collective  responsibilities  in  an  effective  manner.  The  Company  has  effective 
procedures in place to monitor and deal with conflicts of interest.   

The  Board  is  supported  by  an  Audit  Committee,  a  Remuneration  Committee  and  a  Nomination 
Committee. Further details of which are set out on the Company’s website.   

Future annual reports will include details of the number of Board and Committee meetings taken place 
each year. Until the first Annual Report is released, this is an area where the Company will not be fully 
compliant with the QCA’s principles.   

Principle 6.   

Ensure that between them the Directors have the necessary up-to-date experience, skills and 
capabilities.   

The Board considers its overall size and current composition to be suitable and have an appropriate 
balance of sector, financial and public markets skills and experience as well as an appropriate balance 
of personal qualities and capabilities. The structure, size and composition of the Board based upon the 
skills,  knowledge  and  experience  required  will  be  regularly  reviewed  to  ensure  the  Board  operates 
effectively.   

In order to develop their skills and keep up to date with market developments and corporate governance 
matters,  the  Board  will  receive  training  as  required.  All  directors  are  also  able  to  take  independent 
professional advice in the furtherance of their duties, if necessary, at the Company’s expense.   

Biographies for each of the directors, including details on their experience and skills, are set out on the 
Company’s website and in the Directors section of this Annual Report.   

Principle 7.   

Evaluate  Board  performance  based  on  clear  and  relevant  objectives,  seeking  continuous 
improvement.   

The Board’s effectiveness and the individual performance of Directors are considered regularly by the 
Board  on  an  informal  basis,  via  feedback  to  the  Chairman.  Directors  are  encouraged  to  provide 
feedback  on  all  areas  of  the  board  efficacy,  having  due  regard  to  the  balance  of  skills,  experience, 
independence and knowledge contributed by members of the Board, as well as the successful operation 
of the Board as a unit, its diversity and other factors relevant to its effectiveness. As the Board has just 
recently  been  established,  there  is  presently  no  formal  process  for  independent  review  of  directors’ 
performance. 

39 

 
 
 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

Principle 8. 

Promote a culture that is based on ethical values and behaviours.   

The  Board  believes  that  the  promotion  of  a  corporate  culture  based  on  sound  ethical  values  and 
behaviours is essential to maximising shareholder value.   

The executive team engenders open and positive interactions with a key focus on innovation, creative 
solutions and collective responsibility. These cultures are fostered throughout the business.   

The  Company’s  policies  set  out  its  zero-tolerance  approach  towards  any  form  of  modern  slavery, 
discrimination or unethical behaviour relating to bribery, corruption or business conduct.   

Principle 9. 

Maintain  governance  structures  and  processes  that  are  fit  for  purpose  and  support  good 
decision-making by the Board.   

Whilst  the  Board  is  collectively  responsible  for  defining  corporate  governance  arrangements,  the 
Chairman  is  ultimately  responsible  for  corporate  governance.  The  governance  structures  within  the 
Company have been assessed by the Board and are considered appropriate for the size, complexity 
and risk profile of the Company. This will be reviewed by the Board to ensure governance arrangements 
continue to be appropriate as the Company changes over time. 

  The  Board  is  expected  to  typically  meet  bi-monthly  to  set  the  overall  direction  and  strategy  for  the 
Group and to review operational and financial performance. The Board and its Committees will receive 
appropriate and timely information prior to each meeting: and a formal agenda will be produced for each 
meeting, and  Board  and  committee  papers are distributed several days  before  meetings take  place. 
Any  director  may  challenge  Company  proposals  and  decisions  are  taken  democratically  after 
discussion. Any director who feels that any concern remains unresolved after discussion may ask for 
that concern to be noted in the minutes of the meeting, which are then circulated to all directors. Any 
specific actions arising from such meetings are agreed by the Board or relevant Committee and then 
followed up by the Company’s management. The Company Secretary is responsible for ensuring that 
Board procedures are followed and applicable rules and regulations are complied with.   

There is a formal schedule of matters reserved for the decision of the Board that covers the key areas 
of the Company’s affairs. The schedule includes: 

  • Determining the Company’s overall strategy and direction; 
  • Establishing and maintaining controls, audit processes and risk management policies to ensure they                           
counter identified risks and that the Company operates efficiently; 
  • Ensuring effective corporate governance; 
  • Approving budgets and reviewing performance relative to those budgets; 
  • Approving financial statements; 
  • Approving material agreements and non-recurring projects; 
  • Approving senior and Board appointments.   

Each member of the Board has clearly defined roles and responsibilities. The role of the Chairman is to 
lead  the  Board,  with  responsibility  for  overall  corporate  governance,  and  to  ensure  it  is  operating 
effectively  in approving  and monitoring the strategic  direction of the Company. The role of the Chief 
Executive is to propose strategic direction to the Board and to execute the approved strategy by leading 
the executive team in managing the Company’s business. The role of the Non-Executive Directors is to 
act as a sounding board for the Chairman and a source of reciprocal feedback for other members of 
the  Board  and  shareholders,  where  required.  The  Board  is  supported  by  an  Audit  Committee  and 
Remuneration Committee, further details of which are set out on the Company’s website. At present, 
the Company does not produce formal  Audit Committee or Remuneration  Committee reports for the 
purposes of the annual report, given the size and scale of the Company’s current operations. The Board 
however  continually  review  this  position  and  at  such  time  as  it  is  deemed  appropriate  to  do  so,  will 
include formal Audit and Remuneration Committee reports in the Company’s annual report.   

40 

 
 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

Principle 10.   

Communicate how the Company is governed and is performing by maintaining a dialogue with 
shareholders and other relevant stakeholders.   

The Company is committed to open communications with all its shareholders. Communication will be 
primarily through the Company’s website, the annual report and accounts, Regulatory announcements, 
the AGM and one-to-one meetings with large existing or potential new shareholders. All shareholders 
will  receive  a  copy  of  the  annual  report  and  an  interim  report  at  the  half  year  is  available  on  the 
Company’s website.   

Matters reserved for the Board   

The board had a formal written schedule of matters reserved for its review and approval; this schedule 
included those matters described in The role of the board and its committees section as well as those 
in the following table. 

Category 

Strategy and 
management 

Structure and capital 

Examples 

Extension  of  the  Group’s  activities  into  new  business  or  geographic  areas; 
cessation of the operation of all or any material part of the Group’s business. 

Changes  relating  to  the  Group’s  capital  structure;  major  changes  to  the 
Group’s  corporate  or  management  and  control  structure;  changes  to  the 
Company’s listing or its status as a plc. 

Financial  reporting  and 
controls 

the 

Approval  of 
following:  annual  report  and  accounts,  preliminary 
announcements  of  results,  significant  changes  in  accounting  policies  or 
practices, 
treasury  policies,  certain  unbudgeted  capital  or  operating 
expenditure;  declaration  or  recommendation  of  dividends;  review  and 
approval of expenditure authorisation limits. 

Contracts 

Contracts in the ordinary course of business material strategically or by reason 
of size; contracts not in the ordinary course of business; major investments. 

Communication 

Approval  of  resolutions,  circulars,  prospectuses  and  press  releases 
concerning matters decided by the board. 

Board  membership  and 
other appointments 

Changes  to  the  structure,  size  and  composition  of  the  board;  ensuring 
adequate succession planning for the board and senior management; board 
appointments; selection of the chair and the chief executive; appointment of 
the senior independent director; membership and chairs of board committees; 
continuation  in  office  of  directors;  appointment  or  removal  of  the  company 
secretary;  appointment,  reappointment  or removal of the external auditor to 
be put to shareholders for approval. 

Remuneration 

Approving  the  remuneration  policy  for  the  directors;  determining  the  initial 
remuneration  of  the  non-executive  directors;  introduction  of  new  share 
incentive plans or major changes to existing plans. 
Delegation of authority  Division  of  responsibilities  between  the  chair  and  the  chief  executive; 

establishing board committees and approving their terms of reference. 

Corporate governance 

Undertaking any formal and rigorous review of the board’s own performance, 
individual  directors,  and  the  division  of 
that  of  its  committees  and 
responsibilities;  determining  the  independence  of  non-executive  directors; 
review  of 
the  Group’s  overall  corporate  governance  arrangements; 
authorising conflicts of interest where permitted by the Company’s articles of 
association. 

41 

 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

Policies and procedures

Approval  of  the  following:  compliance  with  the  Stock  Exchange  Rules  and 
aspects  of  the  Market  Abuse  Regulation,  company’s  insider  list  manual, 
dealing code, anti-bribery policy, whistleblowing policy and health and safety 
policy. 

Attendance at Board and committee meetings in the year to 31 December 2020 

Meetings attended / held: 

Alessandro Zamboni 

Dominic White 

Enrico Camerinelli 

Susanne Chishti 

Simon Charles 

John Treacy 

Board 

Nominations 
committee 

Audit committee

Remuneration 
committee 

8/8 

8/8 

8/8 

7/8 

0/0 

0/0 

1/1 

1/1 

1/1 

1/1 

0/0 

0/0 

1/1

1/1

1/1

1/1

0/0

0/0

1/1 

1/1 

1/1 

1/1 

0/0 

0/0 

Prior to the Reverse Takeover of Supply@ME S.r.l. the previous Group had sold all of its business and 
business  assets  in  February  2019,  and  from  that  date  until  the  acquisition  of  Supply@ME  S.r.l.  the 
Company was a non-trading cash shell seeking new investments opportunities.   

As such, the Company in the prior reporting period and the period since the last year end to the date of 
the Reverse Takeover did not: 

 
 
 
 

  operate an internal audit function 

  establish a remuneration committee   

  operate a remuneration committee 

  hold formal Board meetings. 

In this period the Non-executive directors met on an ad hoc basis to further the interests of the Company 
by  seeking  an  appropriate  investment  opportunity  and  to  ensure  there  were  sufficient  funds  for  the 
Company to continue until such an investment was found.   

Independence 

Independent Directors 

The role of the Independent or Senior Independent Director is to be available to shareholders who wish 
to  raise  any  concerns  that  they  have  been  unable  to  resolve  through  other  channels  and  to  attend 
meetings between management and major investors. 

From the date of the Main Market listing on 23 March 2020 to the end of the period, Susanne Chishti 
was identified as the Group’s Senior Independent Director.  Ms Chishti brings over 20 years of financial 
expertise and board-level experience focused on organisational governance, and a strong understanding of 
the small/medium size enterprise market. She holds no shares in the Company and the Board has concluded 
that she was independent throughout the period since her appointment. 

In the previous period and until the date of the Main Market listing, Simon Charles was identified as the 
Group’s Independent Director.   

42 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Corporate Governance 

Statement of current Compliance with the QCA Corporate Governance Code 

The Board had concluded that Simon Charles was independent throughout the period. Simon Charles 
is a partner in Marriot Harrison, the former legal advisors to the Company and also held a small number 
of shares. However transactions with Marriot Harrison and his interests in shares were considered to 
be too small to affect his independence and legal services had been tendered and decided on by the 
other directors. 

Time commitment 

The executive directors are expected to devote substantially all of their time and ability to their duties. 
The  non-executive  directors  were  expected  to  devote  about  12  days  each  year  to  the  Company’s 
business.   

Service contracts and letters of Appointment 

Copies  of  all  contracts  of  employment  and  letters  of  appointment  are  available  for  inspection  at  the 
Company’s registered office. 

************************* 

43 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Independent auditor’s report to the Members of Supply@ME Capital plc 

Opinion   
We  have  audited  the  financial  statements  of  Supply@ME  Capital  plc  (the  “Company”)  and  its 
subsidiaries  (the  ‘group’)  for  the  year  ended  31  December  2020  which  comprise  the  Consolidated 
Statement  of  Comprehensive  Income,  Consolidated  Statement  of  Financial  Position,  Consolidated 
Statement of Changes in Equity and Consolidated Statement of Cash Flows and notes to the financial 
statements, including a summary of significant accounting policies. The financial reporting framework 
that has been applied in their preparation is applicable law and International Accounting Standards in 
conformity  with  the  requirements  of  the  Companies  Act  2006  and  International  Financial  Reporting 
Standards adopted pursuant to Regulation (EC) No. 1606/2002 as it applies in the European Union. 
The  financial  reporting  framework  that  has  been  applied  in  the  preparation  of  the  parent  company 
financial statements is applicable law and United Kingdom Accounting Standards, including Financial 
Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland 
(United Kingdom Generally Accepted Accounting Practice). 
In our opinion, the financial statements: 

 

the financial statements give a true and fair view of the state of the group’s and of the company’s 
affairs as at 31 December 2020 and of the group’s loss for the year then ended; 

  The  group  financial  statements  have  been  properly  prepared  in  accordance  International 
Accounting  Standards  in  conformity  with  the  requirements  of  the  Companies  Act  2006  and 
International Financial Reporting Standards adopted pursuant to Regulation (EC) No. 1606/2002 
as it applies in the European Union; 
the parent company financial statements have been properly prepared in accordance with United 
Kingdom Generally Accepted Accounting Practice; and   
the financial statements have been prepared in accordance with the requirements of the Companies 
Act 2006; and, as regards the group financial statements, Article 4 of the IAS Regulation. 

 

 

Basis for opinion   
We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and 
applicable  law.  Our  responsibilities  under  those  standards  are  further  described  in  the  Auditor’s 
responsibilities for the audit of the financial statements section of our report. We are independent of the 
company  in  accordance  with  the  ethical  requirements  that  are  relevant  to  our  audit  of  the  financial 
statements  in  the  UK,  including  the  FRC’s  Ethical  Standard,  and  we  have  fulfilled  our  other  ethical 
responsibilities  in  accordance  with  these  requirements.  We  believe  that  the  audit  evidence  we  have 
obtained is sufficient and appropriate to provide a basis for our opinion. 

Material uncertainty relating to going concern 
We draw your attention to Note 2 which indicates the existence of uncertainties in relation to 
assumptions about future trading that support the going concern basis of preparation. As stated in 
Note 2, these events or conditions, along with other matters as set forth in Note 2 indicate that a 
material uncertainty exists that may cast significant doubt on the company’s ability to continue as a 
going concern. Our opinion is not modified in respect of this matter. 

In auditing the financial statements, we have concluded that the directors' use of the going concern 
basis of accounting in the preparation of the financial statements is appropriate. Our evaluation of the 
directors’ assessment of the entity’s ability to continue to adopt the going concern basis of accounting 
included:  

  we  reviewed  and  challenged  the  forecast  revenues  and  resulting  cash  flows  within  the 
assessment period, the uncertainties that are disclosed in note 2 impact the quantum and timing 
of these cashflows; 

  we  agreed  the  cash  inflows  from  the  issue  of  convertible  loan  notes  to  post  year  end  bank 

statements; 

  we  agreed  the  forecast  cash  outflows  relating  to  the  acquisition  of  TradeFlow  Capital 

Management Pte Limited to the share purchase agreement; 

  we tested to ensure the mathematical accuracy of the model presented; and 
  we reviewed the appropriateness of the disclosure made and its consistency with our knowledge 

of the business. 

44 

 
 
Supply@ME Capital plc   

Independent auditor’s report to the Members of Supply@ME Capital plc 

Overview of our audit approach 

Materiality 

In planning and performing our audit we applied the concept of materiality. An item is considered 
material if it could reasonably be expected to change the economic decisions of a user of the financial 
statements. We used the concept of materiality to both focus our testing and to evaluate the impact of 
misstatements identified. 

Based on our professional judgement, we determined overall materiality for the financial statements 
as a whole to be £72,000, based on 5% of the adjusted loss for the period. Materiality for the parent 
company financial statements as a whole was set at £21,000 based on its loss for the period. 

We use a different level of materiality (‘performance materiality’) to determine the extent of our testing 
for the audit of the financial statements.    Performance materiality is set based on the audit materiality 
as adjusted for the judgements made as to the entity risk and our evaluation of the specific risk of 
each audit area having regard to the internal control environment.    We determined performance 
materiality to be £54,000. 

Where considered appropriate performance materiality may be reduced to a lower level, such as, for 
related party transactions and directors’ remuneration. 

We agreed with the Audit Committee to report to it all identified errors in excess of £1,250. Errors 
below that threshold would also be reported to it if, in our opinion as auditor, disclosure was required 
on qualitative grounds. 

Overview of the scope of our audit 

Following the reverse acquisition transaction in March 2020 the group consists of two components, 
Supply@ME Capital plc, a holding company based in London, United Kingdom and its only trading 
subsidiary, Supply@ME Srl based in Italy. Supply@ME Capital plc was audited by us and was 
conducted from the UK. Audit work on the significant non-UK component, Supply@ME Srl, was 
carried out by a member of the Crowe Global International network as component auditor. 

We engaged with the component auditor at all stages during the audit process. We directed the 
component auditors regarding the audit approach at the planning stage, issued instructions that 
detailed the significant risks to be addressed through the audit procedures and indicated the 
information we required to be reported on.   

The impact of the Covid-19 pandemic in relation to quarantine restrictions in the UK and Italy, and 
international travel restrictions in general, meant that is was not possible for the audit team, including 
the audit engagement partner, to visit the component auditors and the principal finance locations of 
the significant non-UK component in order to review the component auditors’ working papers, discuss 
key findings directly with the component audit team, specialist team members and component auditor 
reporting partner and conclude on significant issues. Instead, regular progress calls and file sharing 
were considered appropriate in the circumstances.   

Key Audit Matters 
Key audit matters are those matters that, in our professional judgement, were of most significance in 
our audit of the financial statements of the current period and include the most significant assessed 
risks of material misstatement (whether or not due to fraud) that we identified. These matters included 
those which had the greatest effect on: the overall audit strategy, the allocation of resources in the 
audit; and directing the efforts of the engagement team. These matters were addressed in the context 
of our audit of the financial statements as a whole, and in forming our opinion thereon, and we do not 
provide a separate opinion on these matters. 
Other than the material uncertainty relating to going concern we identified the following key audit 
matters: 

45 

 
Supply@ME Capital plc   

Independent auditor’s report to the Members of Supply@ME Capital plc 

Key audit matter 

How our scope addressed the key audit matter 

Reverse acquisition accounting 

During the year to 31 December 2020 
the company entered into a reverse 
acquisition transaction. This is the most 
material transaction in the period and 
has the most significant impact on the 
presentation of the financial statements. 
There is a risk that an error in the 
reverse acquisition accounting could 
have a material impact on the financial 
statements. 

Revenue recognition 

Following the reverse acquisition, the 
Group has recognised revenues in both 
2019 and 2020. This is the first year the 
legal subsidiary has prepared its 
financial information under IFRS and 
therefore there is an increased risk that 
revenue has been incorrectly 
recognised having regard to the 
requirements of IFRS 15.   

We developed an understanding of the transaction to ensure 
the conditions for Reverse acquisition accounting were 
present. 

We obtained management’s assessment regarding whether 
Supply@ME Capital plc met the definition of a business as 
this would impact the accounting. 

We reviewed the accounting policy for the transaction to 
ensure it is in line with IFRS. 

We reviewed the fair value assessment of the share capital of 
the accounting acquiree by having regard to the pre-
suspension share price. 

We reviewed the accounting entries to ensure their accuracy 
having regard to the agreed policy. 

We recalculated the deemed cost of listing to ensure it is in 
line with our expectation. 

Key observation: 

Based on the procedures we performed we did not identify 
anything which suggested material error or omission relating 
to the reverse acquisition accounting. 

We obtained management’s assessment regarding the 
revenue recognition policy under IFRS 15 to develop our 
understanding of the group revenue streams and 
performance obligations. 

We obtained a sample of contracts and critically assessed if 
the revenue recognition policy applied was appropriate, in 
line with IFRS 15, and accurately reflected the contract and 
performance obligations. 

Key observation: 

Based on the procedures we performed we did not identify 
anything which suggested material error or omission relating 
to the revenue recognition. 

Our audit procedures in relation to these matters were designed in the context of our audit opinion as 
a whole. They were not designed to enable us to express an opinion on these matters individually and 
we express no such opinion. 

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

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

We have nothing to report in this regard. 

46 

 
 
 
 
Supply@ME Capital plc   

Independent auditor’s report to the Members of Supply@ME Capital plc 

Opinions on other matters prescribed by the Companies Act 2006 
In our opinion the part of the directors’ remuneration report to be audited has been properly prepared 
in accordance with the Companies Act 2006. 

In our opinion based on the work undertaken in the course of our audit   

 

 

the information given in the strategic report and the directors' report for the financial period for 
which the financial statements are prepared is consistent with the financial statements; and 

the directors’ report and strategic report have been prepared in accordance with applicable legal 
requirements. 

Matters on which we are required to report by exception 
In the light of the knowledge and understanding of the Company and its environment obtained in the 
course of the audit, we have not identified material misstatements in the strategic report or the 
directors’ report.   

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

  adequate accounting records have not been kept by the Company, or returns adequate for our 

audit have not been received from branches not visited by us; or 

 

the financial statements and the part of the directors’ remuneration report to be audited are not in 
agreement with the accounting records and returns; or 

 

certain disclosures of directors’ remuneration specified by law are not made; or 

  we have not received all the information and explanations we require for our audit 

Responsibilities of the directors for the financial statements 
As explained more fully in the directors’ responsibilities statement set out on page 31 the directors are 
responsible for the preparation of the financial statements and for being satisfied that they give a true 
and fair view, and for such internal control as the directors determine is necessary to enable the 
preparation of financial statements that are free from material misstatement, whether due to fraud or 
error. 

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

Auditor’s responsibilities for the audit of the financial statements 
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole 
are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report 
that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee 
that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement 
when it exists. Misstatements can arise from fraud or error and are considered material if, individually 
or in the aggregate, they could reasonably be expected to influence the economic decisions of users 
taken on the basis of these financial statements. 

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design 
procedures in line with our responsibilities, outlined above, to detect material misstatements in respect 
of irregularities, including fraud. The extent to which our procedures are capable of detecting 
irregularities, including fraud is detailed below: 

Our audit procedures included: 

  enquiry of management about the Company’s policies, procedures and related controls regarding 
compliance with laws and regulations and if there are any known instances of non-compliance; 

  examining supporting documents for all material balances, transactions and disclosures; 

 

review of the Board of directors and the Audit Committee minutes; 

47 

 
 
 
 
Supply@ME Capital plc   

Independent auditor’s report to the Members of Supply@ME Capital plc 

  enquiry of management about litigations and claims and inspection of relevant correspondence; 

  evaluation of the selection and application of accounting policies related to subjective 

measurements and complex transactions; 

  analytical procedures to identify any unusual or unexpected relationships; 

 

testing the appropriateness of journal entries recorded in the general ledger and other 
adjustments made in the preparation of the financial statements; and 

 

review of accounting estimates for biases. 

Owing to the inherent limitations of an audit, there is an unavoidable risk that some material 
misstatements of the financial statements may not be detected, even though the audit is properly 
planned and performed in accordance with the ISAs (UK). The potential effects of inherent limitations 
are particularly significant in the case of misstatement resulting from fraud because fraud may involve 
sophisticated and carefully organized schemes designed to conceal it, including deliberate failure to 
record transactions, collusion or intentional misrepresentations being made to us. 

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

Other matters which we are required to address 
We were appointed by management to audit the financial statements for the year ending 31 
December 2020. Our total uninterrupted period of engagement is two periods, covering the periods 
ending 31 December 2020 and 31 December 2019.   

The non-audit services prohibited by the FRC’s Ethical Standard were not provided to the Company 
and we remain independent of the Company in conducting our audit. 

Our audit opinion is consistent with the additional report to the board. 

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

Leo Malkin   
Senior Statutory Auditor 
For and on behalf of 
Crowe U.K. LLP 
Statutory Auditor 
London   
25 June 2021 

  ************************* 

48 

 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Consolidated Statement of Comprehensive Income for the Year Ended 31 
December 2020 

Continuing operations 
Revenue 
Cost of sales 
Gross profit 
Administrative expenses 
Exceptional costs 
Other operating income 

Operating (loss)/profit 

Finance costs 
(Loss)/profit before tax 
Income tax 
(Loss)/profit for the year 

Other comprehensive income 
Foreign exchange differences on consolidation 
Total comprehensive (loss)/profit for the year 

Loss attributable to: 
Owners of the company 

Year ended 31 
December 2020 
£ 000 

Year ended 31 
December 2019 
£ 000 

Note 

4 

5 
6 

7 

11 

1,147
(739)
408
(1,904)
(1,376)
53

(2,819)

-
(2,819)
(145)
(2,964)

2
(2,962)

4
(767)
(763)
(98)
-
174

(687)

-
(687)
133
(554)

3
(551)

(2,962)

(551)

Earnings per share (EPS) 
Basic and diluted EPS 

12 

Pence 

(0.01)

Pence 

0.00

The notes on pages 54 to 76 form an integral part of these consolidated financial statements. 

49 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Consolidated Statement of Financial Position as at 31 December 2020 

Non-current assets 
Intangible assets 
Property, plant and equipment 
Total non-current assets 

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

Current liabilities 
Trade and other payables 
Derivative financial instruments 
Total current liabilities 
Net current liabilities 

Non-current liabilities 
Provisions 
Total non-current liabilities 

Net liabilities 

Equity attributable to owners of the parent 
Share capital 
Share premium 
Other reserves 
Retained losses 
Total equity 

Note 

13 

14 

17 
16 

18 

15 

15 

As at 31 
December 2020 
£ 000 

As at 31   
December 2019 
£ 000 

1,236
2
1,238

1,535
552
2,087
3,325

3,395
24
3,419
(1,332)

358
358

390
-
390

919
143
1,062
1,452

1,810
-
1,810
(748)

199
199

(452)

(557)

5,420
11,820
(13,986)
(3,706)
(452)

148
-
-
(705)
(557)

The notes on pages 55 to 76 form an integral part of these consolidated financial statements. 

The consolidated financial statements on pages 49 to 76 were approved and authorised for issue by 
the Board on 25 June 2021 and signed on its behalf by: 

......................................... 
Mr Alessandro Zamboni 
Director 

Supply@ME Capital plc 

Registration number: 03936915 

50 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Consolidated Statement of Cash Flows for the Year Ended 31 December 2020 

Year ended 31 
December 2020 
£ 000 

Year ended 31 
December 2019 
£ 000 

Cash flows from operating activities 

(Loss) for the year 
Foreign exchange differences on retranslation 
Depreciation, amortisation and impairments 
Deemed cost of listing in reverse acquisition 
Allocated to provisions 
Other adjustments to increase non-monetary items 
Decrease/(increase) in trade and other receivables 
Increase/(decrease) in trade and other payables 
Other decreases/(increases) in net working capital 

Cash flows from operations 
Finance costs 
Income taxes paid 
Other collections 

Net cash flow from operating activities 

Cash flows from investing activities 
Cash from reverse acquisition of Abal plc 
Acquisition of property, plant and equipment 
Acquisition of intangible assets 

Net cash flows from investing activities 

Cash flows from financing activities 
Increase/(decrease) in short term bank loans 
New loans 
Proceeds from issue of ordinary shares, net of allowable 
issue costs 

Net cash flows from financing activities 

Net increase in cash and cash equivalents 
Foreign exchange differences to cash and cash equivalents 
on consolidation 
Cash and cash equivalents at 1 January 

Cash and cash equivalents at 31 December 

(2,819)
4
203
1,376
40
16
(717)
296
682

(919)

(19)
6

(932)

93
(2)
(1,026)

(935)

22
-

2,230

2,252

385

24
143

552

(687)
21
94
-
-
-
(1)
(119)
967

275
-
-
-

275

-
-
(132)

(132)

(2)
-

-

(2)

141

-
2

143

The reconciliation of the movement in net debt is set out in note 23. 

The notes on pages 54 to 76 form an integral part of these consolidated financial statements. 

51 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Consolidated Statement of Changes in Equity for the Year 

  Ended 31 December 2020 

Share capital 
£ 000 

Share premium 
£ 000 

Other reserves 
£ 000 

Forex reserve 
£ 000 

Retained earnings 
£ 000 

Total 
£ 000 

At 1 January 2019 
Forex retranslation 
At 1 January 2019 after forex retranslation 

Loss for the year 
Forex retranslation difference 
Loss for the year and total comprehensive income 

At 31 December 2019 

148
-
148

-
-
-

148

-
-
-

-
-
-

-

The notes on pages 54 to 76 form an integral part of these consolidated financial statements. 

- 
- 
- 

- 
- 
- 

- 

-
-
-

-
3
3

3

(163)
9
(154)

(554)
-
(554)

(15)
9
(6)

(554)
3
(551)

(708)

(557)

52 

 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Consolidated Statement of Changes in Equity for the Year 

  Ended 31 December 2020 

Share 
capital 
£ 000 

Share 
premium 
£ 000 

Other 
reserves 
£ 000 

Merger 
relief 
reserve 
£ 000 

Reverse 
takeover 
reserve 
£ 000 

Forex 
reserve 
£ 000 

Retained 
earnings 
£ 000 

At 1 January 2020 
Forex retranslation 
At 1 January 2020 after forex retranslation 

Loss for the year 
Forex retranslation difference 
Loss for the year and total comprehensive income 

Transfer to reverse takeover reserve 
Recognition of plc equity at acquisition date 
Reverse takeover of Supply@ME S.r.l. 
Issue of shares for cash 
Cost of share issues 
Legal reserve 

148
-
148

-
-
-

(148)
4,767
646
7
-
-

- 
- 
- 

- 
- 
- 

- 
9,597 
- 
2,234 
(11) 
- 

-
-
-

-
(8)
(8)

-
-
-
-
-
12

-
-
-

-
-
-

-
-
-

-
-
-

-
-
223,832
-
-
-

148
(13,505)
(224,478)
-
-
-

3
-
3

-
10
10

-
-
-
-
-
-

Total 
£ 000 

(557)
(34)
(591)

(708)
(34)
(742)

(2,964)
-
(2,964)

(2,964)
2
(2,962)

-
-
-
-
-
-

-
859
-
2,241
(11)
12

At 31 December 2020 

5,420

11,820 

4

223,832

(237,835)

13

(3,706)

(452)

The notes on pages 54 to 76 form an integral part of these consolidated financial statements. 

53 

 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

1  General information 

These  consolidated  financial  statements  have  been  prepared  in  accordance  with  international 
accounting standards in conformity with the requirements of the Companies Act 2006 and International 
Financial Reporting Standards adopted pursuant to Regulation (EC) No 1606/2002 as it applies in the 
European Union. 

The  financial  statements  of  the  Group,  consisting  Supply@ME  Capital  plc  (the  “Company”)  and  its 
subsidiaries,  are  presented  in  Pounds  Sterling  and  all  values  are  rounded  to  the  nearest  thousand 
pounds (£’000) excepted when otherwise stated.   

These consolidated financial statements have been prepared in accordance with the accounting policies 
set out below, which have been consistently applied to all the years presented.   

2  Accounting policies 

Going concern 
For the reasons set out below, the Directors consider that it is appropriate to adopt the going concern 
basis in preparing these consolidated financial statements. 

At the year-end the Group had cash balances of £552,000 (2019: £143,000) and net current liabilities 
of £1,332,000 (2019: net current liabilities £748,000). The Group has posted a loss for the year after 
tax of £2,964,000 (2019: loss £554,000) and retained losses were £3,706,000 (2019: losses £705,000). 

The net current liabilities as at the year-end of £1,332,000 included current liabilities of £1,131,000 in 
relation to down-payments made by clients with respect to due diligence services provided. The loss 
after tax of £2,964,000 was after charging an exceptional, non-cash cost of £1,376,000 relating to the 
Reverse Takeover referred to in note 3 and a £145,000 tax charge which is expected to be substantially 
reduced by research and development credits for which the Group is applying. 

During the year, the Group was successfully admitted to trading as a Main Market company, standard 
segment, trading on the London Stock Exchange having also issued placing shares with gross proceeds 
of £2,240,000 (net proceeds of £1,615,000 after deducting all costs in respect of the placing and reverse 
takeover).   

The Directors have reviewed the forecast cashflows for the next 12 months and consider the Group to 
be a going concern. 

The  cashflow  forecasts  are  based  on  the  enlarged  group,  following  the  Reverse  Takeover  in  March 
2020  and  therefore  relate  to  cashflows  arising  from  the  Group’s  Fin  Tech  platform  that  focusses  on 
inventory monetisation facilities. The Directors have prepared the forecast using their best estimates; 
however, the Group is in its start-up phase and therefore they have identified the following uncertainty 
in the model. 

The ability  of the  Group to acquire  inventory is reliant on investment  funding  for  securitisation  being 
received,  and  whilst  the  Group is  in very advanced negotiations with  several interested partners,  no 
securitisation investment had been finalised as at the date of this report. If no, or limited investment is 
secured during the next 12 months, the Group cannot acquire inventory as assumed in the model and 
generate the service fee income.   

In addition the Group has a portfolio of interested customers, with some  having signed term sheets. 
The cashflow model assumes a growth in customer base in line with the interest that has been received 
in  the  product  but  there  is  uncertainty  over  the  ability  of  the  group  to  be  able  to  secure  these  new 
customers. 

54 

 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

On  the  basis  of  the  above  matters  the  Directors  have  a  material  uncertainty  in  relation  to  its  going 
concern  status.  In  mitigation,  however,  a  corporate  funding  organisation  has  made  sufficient  funds 
available to stimulate the growth  of the Group and  accommodate any delays in  revenue generation. 
Therefore, given the significant interest from a growing secured customer base, as described elsewhere 
in this report and the advanced nature of securitisation funding negotiations, the Directors consider it 
appropriate to prepare the consolidated financial statements on a going concern basis. 

Impact of the global pandemic 
As  noted  previously  in  numerous  announcements,  the  Board  has  monitored  closely  the  impact  of 
COVID-19 on business operations. 

Impact on Client companies 
The Group’s Client company customer base remains strong and the demand for inventory monetisation 
continues to grow.   The number of Client companies being originated by the Group has grown each 
quarter  since  the  Reverse  Take  Over  in  March  2020.   Increasingly,  following  COVID-19,  many 
businesses are consciously choosing to build inventory to avoid supply chain shortages and subsequent 
loss  of  trade,  rather  than  keep  stock  levels  low.   This  is  positive  development  for  Group's  business 
model as it expects that Client companies internationally will look to monetise these higher volumes of 
stock held. 

Impact on Inventory funders 
The impact of COVID-19 on Inventory funders, that is the investors through the SYME Platform into the 
inventory portfolios, has been more difficult to interpret. 

Interest  rates  are  at  historic  lows  which  means  that  investors  are  getting  lower  returns  on  capital 
compared to previous years when higher interest rates were the norm.   SYME's new inventory asset 
class will offer a strong relative margin compared to interest rates on a risk adjusted basis. However, 
investors  are  undoubtedly  more  cautious  and  taking  longer  to  make  decisions.   Time  to  close 
transactions, not only in Inventory funding, but across the investment spectrum, has increased. 

The announced delay to June 2021 forecast to complete the first Inventory Monetisation has been the 
result. 

We  are  positive  about  the  performance  of  the  Group  in  the  coming  months  as  we  expect  the  first 
securitisation transaction to close and the Captive Bank to launch as announced in the latest Trading 
Update.   The re-opening of the global economies as the uncertainty caused by COVID-19 dissipates, 
particularly  in  the  UK,  Italy,  the  USA  and  UAE,  our  key  target  geographies,  where  vaccination 
programmes are now showing the virus to be broadly under control, should be a strong stimulus to the 
Group’s timely product offering. 

Basis of consolidation 
The Group financial statements consolidate those of the Company and its subsidiary undertaking drawn 
up  to  31  December  2020.  Subsidiaries  are  entities  over  which  the  Group  has  control.    Control 
comprises an investor having power over the investee and is exposed, or has rights, to variable returns 
from  its  involvement  with  the  investee  and  has  the  ability  to  affect  those  returns  through  its  power.   
Subsidiaries are fully consolidated from the date on which control is transferred to the Group.    They 
are deconsolidated from the date that control ceases. 

On 23 March 2020, the Company, completed a reverse acquisition of Supply@ME S.r.l., a company 
registered in Italy.    Further information about this transaction is disclosed in note 3. 

Intra-group  balances  and  transactions,  and  any  unrealised  income  and  expenses  arising  from  intra-
group  transactions,  are  eliminated.  Unrealised  losses  are  eliminated  in  the  same  way  as  unrealised 
gains, but only to the extent that there is no evidence of impairment. 

55 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

The comparative period for the Group is 1 January 2019 to 31 December 2019 and includes the results 
of the subsidiary only.     

New and revised accounting standards and interpretations 
A  number  of  relevant  new  standards  are  effective  for  annual  periods  beginning  as  noted  below,  for 
which  earlier  application  is  permitted.  However,  the  Group  has  not  adopted  the  new  or  amended 
standards in preparing these consolidated financial statements. The following amended standards and 
interpretations  are  not  expected  to  have  a  significant  impact  on  the  Group's  consolidated  financial 
statements: 

Standard and interpretations 

Effective 
annual 
for 
periods  beginning  on  or 
after 

Covid-19 related rent concessions – amendment to IFRS 16 

1 June 2020 

Interest  rate  benchmark  reform,  phase  2  –  amendments  to  IFRS  4, 
IFRS 9, IFRS 16 and IAS 39 

1 January 2021 * 

Deferral of IFRS 9 – amendment to IFRS 4 

1 January 2021 * 

* subject to UK endorsement 

Revenue recognition 
Revenue for the Group is measured at the fair value of the consideration received or receivable.    The 
Group recognises revenue when the amount of revenue can be reliably measured and it is probable 
that future economic benefits will flow to the entity. 

At this stage of the Group’s development, its earnings derive from due diligence performed by Group 
subsidiaries on potential clients to prequalify them as suitable candidates for inventory securitisation. 
Those clients who sign a term sheet are required to make a down payment to remunerate the subsidiary 
for  the  due  diligence  work  that  has  been  completed  or  is  to  be  done.  Revenue  is  recognised  in  the 
period in respect of the due diligence work that has been completed in the period, which is assessed 
on a client-by-client basis. 

Where performance obligations exist in customer contracts, revenue is recognised in accordance with 
the stage  of completion of  the contract.    Each  performance  obligation (“milestone”) is established in 
relation  to  individual  contract  and  its  specified  price.    Revenue  is  only  recognised  when  the  work 
obligation contracted has been performed. If partly performed against pre-established milestones, only 
the revenue relating to the completed milestones is recognised. 

Cost of Sales 
Cost of sales represents those costs that can be directly related to the sales effort. At this early stage 
in the Group’s development, where sales are represented by fees for conducting pre-qualification due 
diligence on potential clients, the entire work force is engaged in that process, with input from external 
consultants. Their costs, plus the amortisation of intangible assets are regarded by management as the 
direct costs associated with selling; in line with similar FinTech companies. 

Leases 
IFRS  16 Leases became effective for  annual  periods  beginning on  or after  1  January  2019 and the 
company elected to adopt it on a prospective basis. The Directors have considered the impact of this 
new standard in the preparation of these consolidated financial statements. At this time, the Group does 

56 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

not have any material lease arrangements and therefore no adjustments are considered necessary as 
a result of this new standard. 

Property, plant and equipment 

Recognition and measurement 
All plant and equipment is stated at cost less subsequent depreciation and impairment. The costs of 
the  property,  plant  and  equipment  is  purchase  price  plus  any  incidental  costs  of  acquisition. 
Depreciation commences at the point the asset is brought into use. 

If there is any indication that an asset's value is less than it’s carrying amount an impairment review is 
carried out. Where impairment is identified an asset's value is reduced to reflect this.   

The  residual  values  and  useful  economic  lives  of  fixed  assets  are  reviewed  by  management  on  an 
annual basis and revised to the extent required.   

Depreciation 
Depreciation is provided to write off the cost, less estimated residual values, of all plant and equipment 
equally over their expected useful lives. It is calculated at the following rates:   

  Equipment at 33% per annum. 

Intangible assets 
Recognition and measurement 
The core activity of the business is the creation and marketing of a software-driven secure system for 
the recording and management of third party lots of inventory that can be funded through third party 
securitisation contracts, from which the Group derives fees. 

Associated  with  that  core  activity  are  significant  product  development  requirements  to  address 
compliance  with  legal,  regulatory,  accounting,  valuation  and  insurance  criteria.  The  three  main 
categories of cost are:      Software development, intellectual property (IP) related costs and professional 
fees. 

Amortisation 
These costs are capitalised and amortised over their estimated useful economic lives, considered to be 
5 years, on a straight line basis.    Amortisation methods and useful lives are reviewed at each reporting 
date and adjusted if appropriate. 

Impairment 
At the end of each accounting period the Group assess the recoverable amounts of intangible assets. 
Where there is an indication of impairment an impairment loss is recognised for the amount by which 
the assets carrying value exceed its recoverable amount. Impairment losses are recognised in the profit 
and loss. 

Tax 
The tax expense for the period comprises current tax. Tax is recognised in profit or loss, except that a 
charge attributable to an item of income or expense recognised as other comprehensive income is also 
recognised directly in other comprehensive income.   

Deferred tax is recognised on differences between the carrying amounts of assets and liabilities in the 
consolidated financial statements and the corresponding tax bases used in the computation of taxable 
profit  and  is  accounted  for  using  the  statement  of  financial  position  liability  method.  Deferred  tax 

57 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

liabilities  are  generally  recognised  for  all  taxable  temporary  differences  and  deferred  tax  assets  are 
recognised to the extent that it is probable that taxable profits will be available against which deductible 
temporary differences can be utilised. Such assets and liabilities are not recognised if the temporary 
difference arises from goodwill or from the initial recognition (other than in a business combination) of 
other assets and liabilities in a transaction that affects neither the taxable profit nor the accounting profit.   

The carrying amount of any deferred tax assets is reviewed at each statement of financial position date 
and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to 
allow all or part of the asset to be recovered. 

Deferred tax is calculated at the tax rates that are expected to apply in the period when the liability is 
settled or the asset realised based on tax rates that have been enacted or substantively enacted at the 
statement of financial position date. Deferred tax and  current tax are charged or credited to  profit or 
loss, except when it relates to items charged or credited in other comprehensive income or directly to 
equity,  in  which  case  the  deferred  tax  is  also  recognised  in  other  comprehensive  income  or  equity 
respectively.   

Cash and cash equivalents 
Cash and cash equivalents comprise cash on hand and other short-term highly liquid investments that 
are readily convertible to a known amount of cash and are subject to an insignificant risk of change in 
value. 

Functional and presentational currencies 
The consolidated financial statements are presented in pounds sterling (£), the Company’s functional 
currency.   

Foreign currency 
The main currencies for the Group are the euro (EUR) and pounds sterling (£).   

Foreign currency transactions and balances 
Foreign currency transactions are translated into the functional currency using the average exchange 
rates  in  the  month.  Foreign  exchange  gains  and  losses  resulting  from  the  settlement  of  such 
transactions and from the translation  at the reporting  period end exchange rates of monetary assets 
and  liabilities  denominated  in  foreign  currencies  are  recognised  in  the  statement  of  comprehensive 
income. 

Share capital, share premium and brought forward earnings are translated using the exchange rates 
prevailing at the dates of the transactions. 

Consolidation of foreign entities: 
On consolidation, results of the foreign entities are translated from the local currency to pounds sterling, 
the presentational currency of the Group, using average exchange rates during the period. All assets 
and  liabilities  are  translated  from the  local  functional  currency to  pounds sterling using  the  reporting 
period end exchange rates. The exchange differences arising from the translation of the net investment 
in  foreign  entities  are  recognised  in  other  comprehensive  income  and  accumulated  in  a  separate 
component of equity. 

Employee benefits 

Short-term employee benefits 
The Group accounts for employee benefits in accordance with IAS 19. 

Short-term employee benefits are expensed as the related service is provided. A liability is recognised 
for the amount expected to be paid if the Group has a present legal or constructive obligation to pay 

58 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

this amount as a result of past service provided by the employee and the obligation can be estimated 
reliably. 

Defined contribution pension obligations 

The Group accounts for retirement benefit costs in accordance with IAS 19 Employee Benefits. 

Contributions to the Group's defined contributions pension scheme are charged to profit or loss in the 
period in which they become payable. 

Financial assets 

Classification 
Financial assets currently comprise trade and other receivables, cash and cash equivalents. 

Recognition and measurement 
Loans and receivables 
Loans and receivables are mainly contractual trade receivables and are non-derivative financial assets 
with  fixed  or  determinable  payments  that  do  not  have  a  significant  financial  component  and  are  not 
quoted in an active market. Accordingly, trade and other receivables are recognised at undiscounted 
invoice  price.  A  reserve  for  credit  risk  is  made  at  the  beginning  of  each  transaction  and  adjusted 
subsequently through profit and loss. 

Impairment  provisions  for  trade  receivables  are  recognised  based  on  the  simplified  approach  within 
IFRS 9 using the lifetime expected credit losses. During this process the probability of the non-payment 
of trade receivables is assessed. This probability is then multiplied by the amount of the expected loss 
arising from default to determine the lifetime expected credit loss for the trade receivables. For trade 
receivables, which are reported net, such provisions are reported in a separate provision account with 
the  loss  being  recognised  within  administrative  expenses  in  the  consolidated  statement  of 
comprehensive  income.  On  confirmation  that  the  trade  receivable  will  not  be  collectable,  the  gross 
carrying value of the asset is written off against the associated provision. 

Cash and cash equivalents   
Cash and other short-term deposits in the Statement of Financial Position comprise cash at banks and 
in hand and short-term deposits with an original maturity of three months or less and where there is an 
insignificant  risk  of  changes  in  value.  In  the  consolidated  cash  flow  statement,  cash  and  cash 
equivalents consist of cash and cash equivalents as defined above. 

Financial liabilities 

Classification 
Financial liabilities comprise trade and other payables, convertible loan notes and derivative financial 
instruments. 

Recognition and measurement 
Trade and other payables   
Trade  and  other  payables  are  initially  recognised  at  fair  value  less  transaction  costs  and  thereafter 
carried at amortised cost.   

Derivative financial instruments 
The Group’s derivative financial instruments are a convertible loan note that was both issued and then 
cleared in the previous period year by a debt for equity swap, and warrants were issued with options to 
acquire shares that are accounted for at fair value, with changes in value taken through profit and loss. 

59 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

The release  of the fair value  discount  on the  debt for equity swap has been taken direct  to retained 
earnings. 

Equity 

"Share capital" represents the nominal value of equity shares issued.   

"Share premium" represents the excess over nominal value of the fair value of consideration received 
for equity shares net of expenses of the share issue.   

"Other reserves" represents legal reserves in respect of Supply@ME S.r.l.    In accordance with Article 
2430 of the Italian Civil Code, Supply@ME S.r.l., a limited liability company registered in Italy, with a 
corporate capital of euro 10,000 or above shall annually allocate as a legal reserve an amount of 5% of 
the annual net profit until the legal reserve will be equal to 20% of corporate capital. 

“Merger relief reserve” represents the excess  of  the value  of  the consideration shares  issued  to the 
shareholders of Supply@ME S.r.l. upon the reverse takeover over the fair value of the assets acquired. 

“Reverse  takeover  reserve”  represents  the  accounting  adjustments  required  to  reflect  the  reverse 
takeover upon consolidation. Specifically, removing the value of the “investment” in Supply@ME S.r.l., 
removing  the  share  capital  of  Supply@ME  S.r.l.  and  bringing  in  the  pre-acquisition  equity  of  Supply 
@ME Capital plc. 

“FX  reserves”  represents  foreign  currency  translation  differences  on  consolidation  of  subsidiaries 
reporting under a different functional currency to the parent company. 

“Retained earnings” represents retained losses of the group.    As a result of the reverse takeover, the 
consolidated figures include the retained losses of the Group only from the date of the reverse takeover 
together with the brought forward losses of Supply@ME S.r.l.   

Critical judgements and significant accounting estimates 
In determining and applying accounting policies, judgement is often required in respect of items where 
the choice of specific policy, accounting estimate or assumption to be followed could materially affect 
the  reported  results  or  net  asset  position  of  the  Group  should  it  later  be  determined  that  a  different 
choice would be more appropriate. The most significant areas where judgement and estimates have 
been applied are as follows: 

Judgements 
The value of warrants for share options were measured, in accordance with IFRS 2, by reference to 
their fair value at the date on which they were granted or issued. Judgement was required in determining 
the most appropriate valuation model (see Note 16). 

At the end of each accounting period the Group assesses the recoverable amounts of intangible assets. 
Where there is an indication of impairment an impairment loss is recognised for the amount by which 
the assets carrying value exceed its recoverable amount. Impairment losses are recognised in the profit 
and loss. 

The cost of an internally generated intangible asset comprises all directly attributable costs necessary 
to  create,  produce,  and  prepare  the  asset  to  be  capable  of  operating  in  the  manner  intended  by 
management. Until completion of the development project, the assets are subject to impairment testing 
only.  Amortisation  commences  upon  completion  of  the  asset  and  is  shown  within  'Administrative 
Expenses' on the consolidated statement of comprehensive income. 

At the end of each period all contracts with customers are reviewed for contracts loss reserves. 

60 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

At the end of each accounting period, the Group assesses its ability to continue for a period of at least 
12 months from the date the consolidated financial statements are approve, by reviewing budgets and 
forecasts for future trading years (as noted above in note 2). 

An assessment is made whether derivative financial instruments on issue are debt or equity (see note 
16). 

During the year management made a judgement regarding the recognition of a liability for VAT, 
further details can be found in note 18. The potential penalties that could arise on this liability range 
between £80k and £360k, management have made a provision at the lower end of the range in line 
with professional advice received.  

Estimates 
Significant assumptions were necessary in arriving at the inputs into the valuation model for modified 
and new share option arrangements (see note 16). 

3  Reverse acquisition 

On 23 March 2020, the Company acquired through a share for share exchange the entire share capital 
of  Supply@ME  S.r.l,  whose  principal  activity  is  an  early  stage  business  that  delivers  an  innovative 
technology platform for inventory monetisation that enables a wide range of manufacturing and trading 
customers to improve their working capital position by releasing capital from their inventory stock.   

Although  the  transaction  resulted  in  Supply@ME  S.r.l.  becoming  a  wholly  owned  subsidiary  of  the 
Company,  the  transaction  constitutes  a  reverse  acquisition  as  the  previous  shareholders  of 
Supply@ME S.r.l. own a substantial majority of the Ordinary Shares of the Company and the executive 
management  of  Supply@ME  S.r.l.  became  the  executive  management  of  Supply@ME  Capital  plc, 
previously Abal Group plc. 

In substance, the shareholders of Supply@ME S.r.l. acquired a controlling interest in the Company and 
the transaction has therefore been accounted for as a reverse acquisition. As the Company’s activities 
prior to the acquisition were purely the maintenance of the AIM Listing, acquiring Supply@ME S.r.l and 
raising equity finance to provide the required funding for the operations of the acquisition it did not meet 
the definition of a business in accordance with IFRS 3 for the purpose of these consolidated financial 
statements of the Group.   

Accordingly,  in  these  consolidated  financial  statements,  the  reverse  acquisition  did  not  constitute  a 
business combination and was accounted for in accordance with IFRS 2 “Share-based Payments” and 
the associated IFRIC guidance. Although, the reverse acquisition  is not a business combination, the 
Company  has  become  a  legal  parent  and  is  required  to  apply  IFRS  10  and  prepare  consolidated 
financial statements. The  Directors have prepared these consolidated financial statements using the 
reverse acquisition methodology, but rather than recognising goodwill, the difference between the equity 
value given up by the Supply@ME S.r.l.’s shareholders and the share of the fair value of net assets 
gained by the Supply@ME S.r.l. shareholders is charged to the statement of comprehensive income as 
a share-based payment on reverse acquisition and represents in substance the cost of acquiring a main 
market listing. 

In accordance with reverse acquisition accounting principles, these consolidated financial statements 
represent a continuation of the consolidated statements of Supply@ME S.r.l. and include: 

  The assets and liabilities of Supply@ME S.r.l. at their pre-acquisition carrying value amounts and 

the results for both years; and   

61 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

  The assets and liabilities of the Company as at 23 March 2020 and its results from the date of the 

reverse acquisition (23 March 2020) to 31 December 2020. 

On 23 March 2020, the Company issued 32,322,246,220 ordinary shares to acquire the whole of the 
share  capital  of  Supply@ME  S.r.l.  The  prospectus  dated  4th  March  2020  had  an  issue  price  of 
£0.006945 per share of the Company’s share capital to be issued and therefore valued the investment 
in Supply@ME S.r.l. at £224,478,000. 

Because  the  legal  subsidiary,  Supply@ME  S.r.l.,  was  treated  on  consolidation  as  the  accounting 
acquirer and the then legal Parent Company, Supply@ME Capital plc, was treated as the accounting 
subsidiary,  the  fair  value  of  the  shares  deemed  to  have  been  issued  by  Supply@ME  S.r.l.  was 
calculated at £859,000 based on an assessment of the purchase consideration for a 100% holding of 
Supply@ME Capital plc, being its entire share capital of 101,094,276 Ordinary Shares at the last listing 
price of £0.0085. 

The fair value of the net assets of Supply@ME Capital plc at acquisition was as follows:   

Cash and cash equivalents 
Receivables 
Payables 
Total Net Liabilities 

£’000 
93 
50 
(660) 
(517) 

The difference between the deemed cost (£859,000) and the fair value of the net liabilities assumed 
per above of £517,000 resulted in £1,376,000 being expensed within “reverse acquisition expenses” in 
accordance  with  IFRS 2,  Share  Based  Payments, reflecting  the  economic cost to Supply@ME S.r.l. 
shareholders of acquiring a quoted entity. 

The reverse acquisition reserve which arose from the reverse takeover is made up as follows:   

Pre-acquisition equity1 
Supply@ME S.r.l. equity at acquisition2 
Investment in Supply@ME S.r.l.3 
Reverse acquisition expense4 

£’000 
(14,881) 
148 
(224,478) 
1,376 
(237,835) 

Notes: 
1.  Recognition of pre-acquisition equity of Supply@ME Capital plc as at 23 March 2020.   
2. 

Supply@ME S.r.l. had issued equity of £148,000. As these consolidated financial statements present the capital 
structure of the legal parent entity, the equity of Supply@ME S.r.l. is eliminated. 

3.  The value of the shares issued by the Company in exchange for the entire share capital of Supply@ME S.r.l.    The 

above entry is required to eliminate the balance sheet impact of this transaction. 

4.  The reverse acquisition expense represents the difference between the value of the equity issued by the Company, 

and the deemed consideration given by Supply@ME S.r.l. to acquire the Company. 

62 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

4  Deferred revenues and segmental reporting 

The revenues do not include accruals and deferred income of £1,131,000 (2019: £634,000) relating to 
payments in advance made by client companies for due diligence to pre-qualify them for access to the 
inventory monetisation scheme. Under Italian GAAP, these amounts are recognised in revenue in the 
year. Under IFRS, these amounts will be recognised in future periods. 

The following information is given about the Group’s reportable segments: 

The Chief Operating Decision Maker is the Board of Directors. The Board reviews the Group’s internal 
reporting  in  order  to  assess  performance  of  the  Group.  Management  has  determined  the  operating 
segment based on the reports reviewed by the Board. 

Type 

Due diligence 

% 

100 

Geography 

Italy 

% 

100 

The Board considers that during the year ended 31 December 2020 the Group operated in the single 
business segment of due diligence services and all activities were undertaken in Italy. 

5  Exceptional costs 

Year ended 
31 December 
2020 
£ ‘000 

Year ended   
31 December 
2019 
£ ‘000 

Deemed cost of listing – share-based payment 

1,376 

- 

As explained in note 3, the reverse acquisition of Supply@ME S.r.l. does not meet the requirements of 
IFRS 3 Business Combinations so has been accounted for under IFRS 2 Share Based Payments. 

The  amount  of  £1,376,000  represents  the  deemed  cost  of  acquisition  over  the  net  assets  of 
Supply@ME S.r.l. that were acquired.    Under IFRS 2, the deemed costs of obtaining the  listing has 
been expensed to profit and loss. 

6  Other operating income 

Write back of payables 

53 

174 

Year ended 
31 December 
2020 
£ ‘000 

Year ended   
31 December 
2019 
£ ‘000 

63 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

7  Operating loss 

Arrived at after charging / (crediting) 
Amortisation 

8  Auditors’ remuneration 

Fees payable to the Company’s auditors for the audit of the 
Company’s annual accounts 
Fees payable to the Company’s auditors and its associates for 
other services: 
Audit of the accounts of subsidiaries 

Year ended 
31 December 
2020 
£ 000 

Year ended 
31 December 
2019 
£ 000 

201

98

Year ended 
31 December 
2020 
£ 000 

Year ended 
31 December 
2019 
£ 000 

27

10

20

-

9  Staff costs 
The aggregate payroll costs (including directors' remuneration) were as follows: 

Wages and salaries 
Social security costs 
Pension costs, defined contribution scheme 
Redundancy costs 

Year ended 
31 December 
2020 
£ 000 
633
95
1
16
745

Year ended 
31 December 
2019 
£ 000 
-
-
-
-
-

The average number of persons employed by the Group (including directors) during the year, analysed 
by category was as follows: 

Executive directors 
Risk 
Sales and marketing 
Legal 
Administration 
R&D / software 

Year ended 
31 December 
2020 
No. 
1 
1 
3 
2 
5 
2 
14

Year ended 
31 December 
2019 
No. 
- 
- 
- 
- 
- 
- 
-

64 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

10  Key management personnel 
Key management compensation 

Salaries and other short-term employee benefits 

Year ended 31 
December 2020 
£ 000 
361

Year ended 31 
December 2019 
£ 000 
-

No retirement benefits are accruing to Company Directors under a defined contribution scheme (2019: 
none). 

The Directors' emoluments are shown in the remuneration report on pages 33 to 36. 

The Directors of the Company and the Head of Enterprise Risk Management are considered to be the 
key management personnel. 

11      Income tax 

Tax charged in the income statement: 

Current taxation 
UK corporation tax   
Foreign taxation paid/(receivable) by subsidiaries 

Year ended
  31 December 
2020
£ 000

Year ended 
31 December 
2019
£ 000

-
145
145

-
(133)
(133)

The tax on loss before tax for the period is less than (2019 - less than) the standard rate of corporation 
tax in the UK of 19% (2019 - 19%). 

The differences are reconciled below: 

Year ended
  31 December 
2020
£ 000

Year ended
31 December 
2019
£ 000

Loss before tax 

Corporation tax at standard rate 
Effect of expenses not deductible in determining taxable profit (tax 
loss) 
Increase in tax losses carried forward which were unutilised in the 
current year 
Tax adjustments in respect of foreign subsidiaries 

Total tax charge/(credit) 

2,819

(536)

593

38
50

145

687

(131)

-

-
(2)

(133)

At 31 December 2020 the company had unutilised tax losses of £9,000 (31 December 2019: £9,000). 
A deferred tax asset of £2,000 (31 March 2019: £2,000) has not been recognised due to the uncertainty 
around the timing of the availability of taxable income to utilise the losses. 

65 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

12 

Earnings per share 

The calculation of the Basic earnings per share (EPS) is based on the loss attributable to equity holders 
of the parent Company for the year from continuing operations of £2,962,000 (2019 — loss £551,000) 
and  on  a  weighted  average  number  of  ordinary  shares  in  issue  of  27,118,800,563  (2019  — 
32,322,246,220).    The basic EPS from continuing operations is (0.01) pence (2019 – 0.00). 

The  comparative  equity  disclosed  in  the  Consolidated  Statement  of  Financial  Position  is  that  of 
Supply@ME S.r.l., as disclosed in note 3.    The equity of Supply@ME S.r.l. is not in the form of share 
capital  and  therefore  the  EPS  calculation  has  been  based  on  the  consideration  shares  issued  to 
complete the RTO. 

The diluted EPS is the same as the basic EPS as they were all losses.   

13 

Intangible assets 

Cost or valuation 
At 1 January 2019 
Additions 
At 31 December 2019 
Forex retranslation adjustment 
At 1 January 2020 
Additions 
At 31 December 2020 

Amortisation 
At 1 January 2019 
Amortisation charge 
At 31 December 2019 
Forex retranslation adjustment 
At 1 January 2020 
Amortisation charge 
At 31 December 2020 

Carrying amount 

At 31 December 2020 

At 31 December 2019 

66 

Capitalised 
internally 
developed 
platform 
costs
£ 000

441
132
573
33
606
1,027
1,633

88
95
183
11
194
203
397

1,236

390

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

14  Trade and other receivables 

Trade receivables 
Other receivables 
Deferred tax asset 
Prepayments 

As at 31 December 2020 
£ 000 
489 
601 
422 
23 

As at 31 December 2019
£ 000
4
629
283
3

Total current trade and other receivables 

1,535 

919

15 

Share capital   

Allotted, called up and fully paid shares 

As at 31 December 2020   
£ 000 

No. 000 

As at 31 December 2019 

No. 000 

£ 000 

Equity 
Ordinary shares of £0.00002 each 
Deferred shares of £0.04000 each 
2018 Deferred shares of £0.01000   
each 

-
32,754,945
63,084

224,194
33,042,223

-
655
2,523

2,242
5,420

-
-
-

-
-

148
-
-

-
148

The comparative equity is that of Supply@ME S.r.l., as disclosed in note 3.    The equity of Supply@ME 
S.r.l. is not in the form of share capital so there is no disclosure of the number of shares. 

New shares allotted 
On 23 March 2020, the Group completed a reverse acquisition transaction with Supply@ME S.r.l.    It 
was  considered  that  Supply@ME  S.r.l.  was  the  accounting  acquirer  in  the  transaction  and  so  the 
comparative share capital is that of Supply@ME S.r.l.    Upon completion of the transaction, the share 
capital  of  Supply@ME  Capital  plc  has  been  disclosed,  to  represent  that  of  the  legal  acquirer. 
32,322,246,220 ordinary shares were issued as consideration. 

Also, on 23 March 2020, 331,604,094 ordinary shares were issued through a placing which raised gross 
proceeds of £2,240,000. 

Rights, preferences and restrictions 
Ordinary shares have the following rights, preferences and restrictions: 
The Ordinary shares carry rights to participate in dividends and distributions declared by the Company 
and each share carries the right to one vote at any general meeting. There are no rights of redemption 
attaching to the Ordinary shares. 

Deferred shares have the following rights, preferences and restrictions: 
The deferred shares carry no rights to receive any dividend or distribution and carry no rights to vote at 
any general meeting. On a return of capital the Deferred shareholders are entitled to receive the amount 
paid up on them after the Ordinary shareholders have received £100,000,000 in respect of each share 
held  by  them.  The  Company  may  purchase  all  or  any  of  the  Deferred  shares  at  an  appropriate 
consideration of £1. 

67 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

2018 Deferred shares have the following rights, preferences and restrictions: 
The deferred shares carry no rights to receive any dividend or distribution and carry no rights to vote at 
any general meeting. 

Reconciliation of allotted, called up and fully paid shares 

As at 31 December 2020 

As at 31 December 2019 

At 1 January 

Transfer to RTO reserve 

Bring in plc share capital 

Reverse acquisition 

Issue of shares for cash 

At 31 December 

No. 000

-

-

388,373

32,322,246

331,604

33,042,223

£ 000

148

(148)

4,767

646

7

5,420

No. 000

-

-

-

-

-

-

£ 000

148

-

-

-

-

148

16  Share-based payments, convertible loan notes and derivative financial instruments 
(1) Convertible loan notes and derivative financial instruments 

As at 31 December 2020 two warrants for options to  acquire shares were outstanding that arose as 
detailed below. These have a fair value of £24,000 (31 December 2019: £48,000). The valuation of the 
warrants and further detail to the transactions may be summarised as follows: 

(i) In October 2018, following a placing of shares at 1.1p, a warrant was issued for 7,272,727 options to 
acquire shares, exercisable for 3 years at 1.1p per share option or, if lower, the 5 day average price on 
AIM prior to exercising the option. The year-end fair value of these warrants is 0.21p (31 December 
2019: 0.42p) per option to acquire a share and has been calculated using the  Black-Scholes model, 
and the average 5 - day year-end share price of 0.60p (31 December 2019: 0.85p) giving a total fair 
value of £15,000 (31 December 2019: £31,000) for all these options to acquire shares. The other inputs 
into the model were volatility 111% (31 December 2019: 111%), dividend yield 0% (31 December 2019: 
0%), and risk free rate of 1.1% (31 December 2019: 2.1%).   

(ii)  In  October  2018,  a  3  year  unsecured  convertible  loan  note  (‘CLN’)  for  £90,000  was  issued.  The 
terms of the CLN was an interest rate of 7.5%  pa, and the conversion repayment option  was in two 
parts — the issue of shares to repay the principal amount of the loan, and a warrant with the option to 
purchase  additional shares.  If  the conversion option was exercised, the  ordinary  shares for  the  loan 
repayment would be issued a price of 1.1p or, if lower, the 5 day average price on AIM prior to exercising 
the  conversion  option.  The  warrant  was  for  a  number  of  options  to  acquire  shares  equal  to  half  the 
number of shares issued for the repayment of the loan. The terms of the warrant were for 3 years and 
an exercise price of 1.1p or, if lower, the 5 day average price on AIM prior to exercising the warrant 
option. In January 2019, the conversion option was exercised. For the repayment of the loan 8,181,818 
ordinary  shares  were  issued  at  a  price  of  1.1p.  On  conversion,  warrants  were  issued  for  options  to 
acquire  4,090,909  shares,  and  these  warrants  were  outstanding  at  both  31  December  2019  and  31 
December 2020. For accounting purposes, the CLN on issue was attributed a fair value of £69,000 by 
discounting  the  loan  repayments  at  an  unsecured  interest  rate  of  18%.  As  the  Group  had  no  other 
comparable unsecured borrowings, higher or lower interest rates might have been applied to calculate 
the discount factor, but these would not change materially the fair value of the CLN. 

68 

 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

The gain on issue was credited to profit and loss. On exercising the conversion option in January 
2019, the release of the £19,000 difference between the carrying value of the loan and the legal value 
was credited direct to retained earnings. At the time of exercising this conversion option, the fair value 
of share warrants was £33,000 and these warrants were revalued at the year ended 31 December 
2020 using the same basis and factors outlined in the previous paragraph 18(2)(i), and giving a total 
value for these warrants of £9,000 (31 December 2019: £17,000). The movement in the fair value was 
credited to profit and loss. 

17 

Trade and other payables 

Bank loans and overdrafts 
Trade payables 
Amounts due to group companies 
Other payables 
Social security and other taxes 
Accruals and deferred income 

As at 31 December 2020
£ 000
22
1,062
-
271
792
1,248
3,395

As at 31 December 2019
£ 000
297
534
-
220
125
634
1,810

Included within accruals and deferred income is £1,131,000 (2019: £634,000) relating to payments in 
advance made  by client companies  for due  diligence  to pre-qualify them for access  to  the inventory 
monetisation  scheme.    Under  Italian  GAAP,  these  amounts  are  recognised  in  revenue  in  the  year.   
Under IFRS, these amounts will be recognised in future periods. 

18 

Provisions 

At 1 January 2019 
Provided for in the year 
At 31 December 2019 
Forex retranslation 
adjustment 
At 1 January 2020 
Released to profit and loss 
Provided for in the year 
At 31 December 2020 

Deferred 
tax 
liabilities 
£’000 
- 
4 
4 

Post-
employment 
benefits 
£’000 
- 
- 
- 

Provision 
for risks 
and 
charges 
£’000 
- 
- 
- 

Provision 
for VAT 
and 
penalties 
£’000 
- 
195 
195 

- 
4 
(4) 
- 
- 

- 
- 
- 
32 
32 

- 
- 
- 
40 
40 

12 
207 
- 
79 
286 

Total 
£’000 
- 
199 
199 

12 
211 
(4) 
151 
358 

In advance of the Group’s first monetisation transaction, a number  of advance payments have  been 
received from potential client companies in accordance with agreed contractual terms.    These advance 
payments, for which an invoice has not yet been issued, have been made exclusive of VAT. As at 31 
December  2020,  the  Group  has  included  a  provision  relating  to  a  potential  VAT  liability,  including 
penalties, in respect of these advance payments of £286,000 (31 December 2019: £195,000).       

69 

 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

At the point in the future when the associated monetisation transaction takes place, the potential VAT 
liability  will  be  settled  by  the  Group.    At  this  same  point  in  time,  the  Directors  expect  to  be  able  to 
recover the VAT from the client companies as invoices in respect of the monetisation transactions are 
issued.    The timing of these future monetisation transactions currently remains uncertain and as such 
no corresponding VAT receivable has been recognised as at 31 December 2020, however there is a 
contingent asset of £204,000 as at 31 December 2020 (31 December 2019: £139,000) in respect of 
this. 

From time to time, during the course of business, the Group may be subject to disputes which may 
give rise to claims. The Group will defend such claims vigorously and provision for such matters are 
made when costs relating to defending and concluding such matters can be measured reliably. There 
were no cases outstanding as at the year end.   Management have been informed of one potential 
matter arising subsequent to the year-end however, at this time, this would not meet the criteria for a 
provision to be recognised. 

19 

Pension and other schemes 

Defined contribution pension scheme 
The Group operates a defined contribution pension scheme. The assets of the scheme are recognised 
as  being  held  separately  from  those  of  the  Group  and  Company  and  will  be  paid  over  to  an 
independently  administered  fund.  The  pension  cost  charge  represents  contributions  payable  by  the 
group to the fund. 

The total pension charge for the year represents contributions payable by the Group to the scheme and 
amounted to £1,000 (2019: £nil). 

Contributions totalling £2,000 (2019: £nil) were payable to the scheme at the end of the year and are 
included in creditors. 

20  Capital commitments 

There were no capital commitments for the Group at 31 December 2020 or 31 December 2019.   

21  Contingent liabilities 

There were no contingent liabilities for the Group at 31 December 2020 or 31 December 2019. 

22 

Financial instruments 

Financial assets   

Financial assets at amortised cost: 
Cash and cash equivalents 
Trade receivables 
Other receivables 

Carrying value 

As at 31 
December 
2020 
£ 000 

As at 31 
December 
2019 
£ 000 

Fair value 

As at 31 
December 
2020 
£ 000 

As at 31 
December 
2019 
£ 000 

552
489
601
1,642

143
4
629
776

552
489
601
1,642

143
4
629
776

70 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

Valuation  methods  and  assumptions:  The  directors  believe  that  the  fair  value  of  all  financial  assets 
approximates to the carrying value 

Financial liabilities   

Financial liabilities at amortised cost: 
Bank loans and overdrafts 
Trade payables 
Other payables 

Carrying value 

Fair value 

As at 31 
December 
2020 
£ 000 

As at 31 
December 
2019 
£ 000 

As at 31 
December 
2020 
£ 000 

As at 31 
December 
2019 
£ 000 

22
1,062
271
1,355

297
534
220
1,051

22
1,062
271
1,355

297
534
220
1,051

Financial liabilities at fair value through profit 
and loss: 
Derivative financial instruments 

Fair value 

As at 31 
December 
2020
£ 000

As at 31 
December 
2019  
£ 000  

24

48  

Valuation  methods  and  assumptions:  The  directors  believe  that  the  fair  value  of  trade  and  other 
payables  approximates  to  the  carrying  value  –  see  note  16  for  further  details  of  the  fair  value  of 
derivative financial instruments. 

Risk management 
The Group is exposed through its operations to the following financial risks: credit risk, foreign exchange 
risk; and liquidity risk. 

In common with all other businesses, the Group is exposed to risks that arise from its use of financial 
instruments. This note describes the Group's objectives, policies and processes for managing these 
risks and the methods used to measure them. Further quantitative information in respect of these 
risks is presented throughout these financial statements. There have been no substantive changes in 
the Group's exposure to financial instrument risks, its objectives, policies and processes for managing 
those risks or the methods used to measure them from previous periods unless otherwise stated in 
this note. 

Principal financial instruments 
The principal financial instruments used by the Group, from which financial instrument risk arises, were 
as follows: 

- trade receivables;   
- cash at bank; and   
- trade and other payables. 

71 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

General objectives, policies and processes   
The board had overall responsibility for the determination of the Group's risk management objectives 
and  policies  and,  whilst  retaining  ultimate  responsibility  for  them,  it  had  delegated  the  authority  for 
designing  and  operating  processes  that  ensure  the  effective  implementation  of  the  objectives  and 
policies to the Group's finance function. The board received monthly reports from the chief Financial 
Officer  through  which  it  reviewed  the  effectiveness  of  the  processes  put  in  place  and  the 
appropriateness of the objectives and policies it had set. The overall objective of the board was to set 
polices  that  sought  to  reduce  risk  as  far  as  possible  without  unduly  affecting  the  Group's 
competitiveness and flexibility. Further details regarding these policies are set out below. 

Interest rate risk 
At present the directors do not believe that the Group has significant interest rate risk and consequently 
does not hedge against such risk. Cash balances earn interest at variable rates.   

The Group's interest generating financial assets as at 31 December 2020 comprised cash at bank of 
£552,000 (2019: £142,000). Interest is paid on cash at floating rates in line with prevailing market rates. 

As at 31 December 2020, the group had no liabilities for which interest is payable (2019 – no liabilities). 

Sensitivity analysis 
At 31 December 2020, had the LIBOR 1 MONTH rate of 0.01913 (2019 – 0.70388) increased by 1% 
with  all  other  variables  held  constant,  the  increase  in  interest  receivable  on  financial  assets  would 
amount to approximately £nil (2019 - £1,000). Similarly a 1% decrease in the LIBOR 1 MONTH rate 
with all other variables held constant would result in a decrease in interest receivable on financial assets 
of approximately £nil (2019 - £1,000). 

Credit risk and impairment 
Credit risk is the risk of financial loss to the group if a customer or a counterparty to a financial instrument 
fails to meet its contractual obligations. The Group is mainly exposed to credit risk from credit sales. It 
is  Group  policy,  implemented  locally,  to  assess  the  credit  risk  of  new  customers  before  entering 
contracts. Such credit ratings take into account local business practices. The Group has a credit policy 
under  which  each  new  customer  is  analysed  individually  for  creditworthiness  before  the  Group's 
standard payment and delivery terms and conditions are offered. 

Credit risk also arises from cash and cash equivalents and deposits with banks and financial institutions. 
To manage this, the Group has made sure that they use reputable banks.   

The Group's chief financial officer monitors the utilisation of the credit limits regularly. 

The  Group’s  maximum  exposure  to  credit  by  class  of  individual  financial  instrument  is  shown  in  the 
table below: 

Cash and cash equivalents 
Trade receivables 

Carrying 
value as 
at 31 
December 
2020 
£ 000 
552 
489 
1,041 

Maximum 
exposure 
as at 31 
December 
2020 
£ 000 
552 
489 
1,041 

Carrying 
value as 
at 31 
December 
2019 
£ 000 
143 
4 
147 

Maximum 
exposure 
as at 31 
December 
2019 
£ 000 
143 
4 
147 

As at 31 December 2020, the assets held by the group are not past due or impaired. 

72 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

Trade receivables are all considered to be low risk and have been fully repaid since year end. 

Foreign exchange risk 
Foreign exchange risk arises because the Group has operations located in various parts of the world 
whose  functional  currency  is  not  the  same  as  the  functional  currency  in  which  the  Group  operates. 
Although its global market penetration reduces the Group's operational risk, in that it has diversified into 
several markets, the Group's net assets arising from such overseas operations are exposed to currency 
risk resulting in gains or losses on retranslation into sterling. Only in exceptional circumstances would 
the group consider hedging its net investments in overseas operations as generally it does not consider 
that the reduction in foreign currency exposure warrants the cash flow risk created from such hedging 
techniques.   

The Group's policy is, where possible, to allow group entities to settle liabilities denominated in their 
functional  currency  (primarily  Euros  or  pound  sterling)  with  the  cash  generated  from  their  own 
operations in that currency. Where group entities have liabilities denominated in a currency other than 
their functional currency (and have insufficient reserves of that currency to settle them) cash already 
denominated in that currency will, where possible, be transferred from elsewhere within the group. 

Currency profile   
Financial assets   
- Cash Sterling: £539,000 (2019 - £nil)   
- Cash Euro: £13,000 (2019 - £143,000)   
- Trade receivables Sterling: £nil (2019 - £nil)   
- Trade receivables Euro: £489,000 (2019 - £4,000) 

Financial liabilities   
- Trade payables Sterling: £342,000 (2019 - £nil)   
- Trade payables Euro: £720,000 (2019 - £534,000) 

Sensitivity analysis 

At 31 December 2020, if Sterling had strengthened by 10% against EUR with all other variables held 
constant, loss before tax for the year would have been approximately £41,000 lower (2019 - £81,000 
lower), mainly as a result of foreign exchange gains on translation of EUR denominated cash and cash 
equivalents  and  trade  receivables,  compensated  by  foreign  exchange  gains  on  translation  of  EUR 
denominated trade payables and deferred revenues.   

Conversely, if Sterling had weakened by 10% against EUR with all other variables held constant, loss 
before tax for the year would have been approximately £41,000 higher (2019 - £81,000 higher). 

Liquidity risk 
Liquidity  risk  arises  from  the  Group's  management  of  working  capital  and  the  finance  charges  and 
principal  repayments  on  its  debt  instruments.  It  is  the  risk  that  the  Group  will  encounter  difficulty  in 
meeting its financial obligations as they fall due. 

The Group's policy is to ensure that it will always have sufficient cash to allow it to meet its liabilities 
when they become due.   

The board  receives rolling  12-month  cash  flow projections on  a  regular  basis as  well as  information 
regarding cash balances.  At the statement  of financial position date, these projections indicated that 
the  group  expects  to  have  sufficient  liquid  resources  to  meet  its  obligations  under  all  reasonably 
expected circumstances. 

There were no undrawn facilities at 31 December 2020 or 31 December 2019. 

73 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

At 31 December 2020 

Liabilities 
Loans and borrowings 
Trade and other payables 
Social security and other taxes 
Total liabilities 

At 31 December 2019 

Liabilities 
Loans and borrowings 
Trade and other payables 
Social security and other taxes 
Total liabilities 

Up to 3 
months 
£ 000 

Between 
3 and 12 
months 
£ 000 

Between 
1 and 2 
years 
£ 000 

Between 
2 and 5 
years 
£ 000 

Over 5 
years 
£ 000 

22 
1,333 
792 
2,147 

- 
- 
- 
- 

- 
- 
- 
- 

- 
- 
- 
- 

- 
- 
- 
- 

Up to 3 
months 
£ 000 

Between 
3 and 12 
months 
£ 000 

Between 
1 and 2 
years 
£ 000 

Between 
2 and 5 
years 
£ 000 

Over 5 
years 
£ 000 

297 
754 
125 
1,176 

- 
- 
- 
- 

- 
- 
- 
- 

- 
- 
- 
- 

- 
- 
- 
- 

Capital risk management 
The Group's capital management objectives are to ensure the Group is appropriately funded to continue 
as a going concern and to provide an adequate return to shareholders commensurate with risk. The 
Group defines capital as being total shareholder’s equity. The Group has no external debt finance and 
hence  gearing  is  not  measured.  The  Group's  capital  structure  is  periodically  reviewed  and,  if 
appropriate, adjustments are made in the light of expected future funding needs, changes in economic 
conditions, financial performance and changes in Group structure.   

The Group adheres to the capital maintenance requirements as set out in the Companies Act.   

Capital for the reporting periods under review is summarised as follows:   
- Net liabilities: (£452,000) (2019: (£557,000)) 
- Cash and cash equivalents: £552,000 (2019: £143,000) 

23  Net debt 

The Group reconciliation of the movement in net debt is set out below: 

Cash at bank 
Bank overdraft 

At 1 
January 

2020  Cashflows 
£ 000 
£ 000 

143 
- 
143 

407 
(22) 
385 

Foreign 
exchange 
£ 000 

At 31 
December 
2020 
£ 000 

24 
- 
24 

574 
(22) 
552 

74 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

Cash at bank 
Bank overdraft 

At 1 
January 

2019  Cashflows 
£ 000 
£ 000 

Foreign 
exchange 
£ 000 

At 31 
December 
2019 
£ 000 

4 
(2) 
2 

139 
2 
141 

- 
- 
- 

143 
- 
143 

24  Related party transactions   

During the year to 31 December 2020, the following are treated as related parties: 

The AvantGarde Group SpA 

The  AvantGarde  Group  currently  holds  38.9  per  cent  of  the  shares  in  Supply@ME  Capital  plc  as 
announced on 24 December 2020. 

In  the  same  RNS,  the  Company  disclosed,  among  things,  a  merger  between  1AF2  S.r.l.  and  the 
AvantGarde Group S.p.A. (TAG). The merged company will be named “the AvantGarde Group”. 1AF2 
S.r.l.  was  a  Company,  with  Alessandro  Zamboni  as  Director,  also  involved,  together  with  Quadrivio 
Group in the “Captive Bank” project as per RNS published by SYME on 21 September 2020. In this 
regard, 1AF2 S.r.l. originated in 2020 several Client companies analysed by Supply@ME S.r.l. and to 
which SYME charged due diligence fees, pursuant to its revenue recognition policies. 

Following the above transaction between IAF2 and the AvantGarde Group S.p.A., as at 31 December 
2020 the amount due to the Company is £485,339 (2019: due by the Company £204,887)   

iWEP Ltd is owned by iWolf Ltd and White Amba Investments LLP 
The beneficial owner of iWEP, iWolf and White Amba is Dominic White, the Chairman of SYME. 

Eight Capital Partners Plc 
Dominic White is a Director of the company.    IWEP owns 29.8% of Eight Capital Partners Plc. 

Epsion Capital Ltd 
Epsion Capital, is a wholly owned subsidiary of Eight Capital Partners Plc and conducted the placing 
for the RTO. 

Dominic White 
Dominic White holds directorships across these companies that are therefore related parties (iWEP Ltd, 
iWolf Ltd, White Amba Investments LLP and Eight Capital Partners Plc). 

Alessandro Zamboni   
Alessandro  Zamboni  is  on  the  Board  of  The  AvantGarde  Group  SpA  as  well  as  holding  numerous 
directorships across companies that are related parties.   

25  Controlling party 

At 31 December 2020 the Directors do not believe that a controlling party exists. 

75 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Consolidated Financial Statements for the Year Ended 31 
December 2020 

26 

Subsequent events 

In the first six months of 2021, the Company announced the following material events: 

  11  January  2021:  SYME  announced  that  it  has  entered  into  an  agreement  with  Lenovo 
Financial Services META LLC (“LFS”). The SYME Platform will be positioned as an alternative 
solution  to  complement  LFS’s  existing  vendor  programme  offerings  to  their  network  of 
customers in the Middle East, Turkey and Africa region (excluding South Africa). 
The purpose of the co-operation agreement, made with the strategic support of iMASS, was to 
deliver  a  dedicated  inventory  monetisation  programme  to  LFS’s  customers  which  may  also 
allow them to evaluate the opportunity to adopt the upcoming Shariah version of the Platform. 

  20 January 2021: following the announcement of 3 November 2020, the Company, by virtue 
of the support of the Shariah Funding Specialist and iMASS, announced that the authorisation 
process  for  SYME’s  Shariah  compliant  Inventory  Monetisation  Platform  was  successfully 
completed. 

  21 January 2021: further to the Company’s announcement of 19 January, 2021, detailing a 
change  to  its  Accounting  Reference  Date  to  31  December  and  a  revised  financial  reporting 
calendar, SYME requested a suspension of the listing of its shares pending publication of its 
audited accounts for the nine months to 31 December 2019 and its 2020 Interim Results for the 
six months ended 30 June. 

  9 March 2021: Restoration of its Listing on the Standard List of The London Stock Exchange 

and the resumption of dealings in its Ordinary shares. 

  17 March 2021: SYME announced on 17 March 2021 the signing of Heads of Terms (“HoT”) 
for the acquisition of TradeFlow Capital Management Pte Ltd., the leading FinTech-powered 
commodities trade enabler, focused on SMEs, based in Singapore. 
A sale and purchase agreement was signed and announced on 26 May 2021.    The transaction 
is expected to complete shortly. 

  1 April 2021: The Company announced the appointment of Ms Amy Benning as Chief Financial 

Officer with effect from 7 June 2021. 

  16  June  2021:  The  Company  announced  that  it  had  entered  into  a  subscription  agreement 
(“Subscription  Agreement”)  with  Negma  Group  Ltd  for  the  issue  of  an  initial  tranche  of 
£5,600,000 of Convertible Loan Notes at £56,000 par value for which it had issued a drawdown 
notice at a subscription price of £50,000 per Convertible Loan Note for an aggregate total of 
£5,000,000. The Subscription Agreement allows for a further nine tranches to be issued at the 
same par value at the exclusive option of the Company. 

76 

 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Company Statement of Financial Position as at 31 December 2020 

Non-current assets 
Property, plant and equipment 
Investments 
Total non-current assets 

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

Current liabilities 
Trade and other payables 
Derivative financial instruments 
Total current liabilities 

Net assets/(liabilities) 

Equity attributable to owners of the parent 
Share capital 
Share premium 
Retained earnings 
Total equity 

As at 31 
December 2020 
£ 000 

As at 31 
December 2019 
£ 000 

Note 

3 

4 

7 
6 

5 

5 

2
646
648

282
539
821
1,469

894
24
918

551

5,420
11,820
(16,689)
551

-
-
-

67
81
148
148

409
48
457

(309)

4,767
9,599
(14,675)
(309)

A separate income statement for the parent company has not been presented, as permitted by section 
408 of the Companies Act 2006. The Company’s loss for the year was £2,014,000 (2019: profit for the 
period 1 April 2019 to 31 December 2019 of £532,000). 

The notes on pages 79 to 85 form an integral part of these financial statements. 

The Company financials on pages 77 to 85 were approved and authorised for issue by the Board on 25 
June 2021 and signed on its behalf by: 

......................................... 
Mr Alessandro Zamboni 
Director 

Supply@ME Capital plc 

Registration number: 03936915

77 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Company Statement of Changes in Equity for the Year Ended 31 December 2020 

At 1 April 2019 

Loss for the period 

Employee share-based payment options 
Total comprehensive loss for the period 

Share capital 
£ 000 

Share premium 
£ 000 

Other reserves 
£ 000 

Retained 
earnings 
£ 000 

Total 
£ 000 

4,767

9,599

1,217

(15,207)

-

-
-

-

-
-

-

(1,217)
(1,217)

(685)

1,217
532

376

(685)

-
(685)

At 31 December 2019 

4,767

9,599

At 1 January 2020 

Loss for the year 
Total comprehensive loss for the period 

Reverse takeover of Supply@ME S.r.l. 
Issue of shares for cash 
Cost of share issues 

Share capital 
£ 000 

Share premium 
£ 000 

Other reserves 
£ 000 

4,767

9,599

-
-

646
7
-

-
-

-
2,234
(13)

At 31 December 2020 

5,420

11,820

The notes on pages 79 to 85 form an integral part of these financial statements. 

78 

-

-

-
-

-
-
-

-

(14,675)

(309)

Retained 
earnings 
£ 000 

Total 
£ 000 

(14,675)

(309)

(2,014)
(2,014)

-
-
-

(2,014)
(2,014)

646
2,241
(13)

(16,689)

551

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

1  General information 

Supply@ME  Capital  plc  (the  “Company”  or  “SYME”)  is  a  public  company  limited  by  share  capital 
incorporated and domiciled in England. The address of its registered office is 27/28 Eastcastle Street, 
London WlW 8DH. The Company's ordinary shares are traded on the Main Market of the London Stock 
Exchange. 

These  financial  statements  are  the  separate  financial  statements  for  the  Company  and  have  been 
prepared  in  compliance  with  Financial  Reporting  Standard  102,  the  Financial  Reporting  Standard 
applicated in the United Kingdom and the Republic of Ireland (“FRS 102”) and the Companies Act 2006. 

In order to simplify the accounting for the parent company this is the first year in which the financial 
statements have been prepared in compliance with FRS 102. The transition from preparing the financial 
statements  in  accordance  with  International  Financial  Reporting  Standard  to  FRS  102  has  had  no 
material impact on either the financial position or the financial performance as previously reported by 
the company. 

The Company’s financial statements are presented in Pounds Sterling, the Company’s functional and 
presentational currency, and all values are rounded to the nearest thousand pounds (£’000) excepted 
when otherwise stated.   

These financial statements have been prepared under the historical cost convention, modified to include 
certain financial instruments at fair value.    The principal accounting policies are set out below, which 
have been consistently applied to all the years presented.    The comparative period for the Company 
is 1 April 2019 to 31 December 2019 being the results of Supply@ME Capital plc. 

As permitted by FRS 102 section 1.12, the Company has taken advantage of the disclosure exemptions 
available under that standard in relation to: 

  Section 7 ‘Statement of Cash Flows’: Presentation of a statement of cash flow and related notes 

and disclosures; 

  Section  11 ‘Basic Financial Instruments’ and  Section  12  ‘Other Financial Instrument  Issues’: 
Carrying amounts, interest income/expense and net gains/losses for each category of financial 
instrument;  basis  of  determining  fair  values;  details  of  collateral,  loan  defaults  or  breaches, 
details  of  hedges,  hedging  fair  value  changes  recognised  in  profit  or  loss  and  in  other 
comprehensive income; 

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

  Section 33 ‘Related Party Disclosures’: Compensation for key management personnel. 

The  parent  company  meets  the  definition  of  a  qualifying  entity  under  FRS  102.    Where  required, 
equivalent disclosures are given in the Group accounts of Supply@ME Capital plc. 

Supply@ME  Capital  plc  is  the  parent  company  of  the  Group  and  its  results  are  included  in  the 
consolidated financial statements on pages 49 to 76. 

79 

 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

2  Accounting policies 

Going concern 
These  financial  statements  have  been  prepared  on  a  going  concern  basis,  under  historical  cost 
convention.    The Directors have assessed the Company’s ability to continue in operational existence 
for the foreseeable future and consider it appropriate to continue to prepare these financial statements 
on a going concern basis.   

The full going concern assessment of the Group, being the Company and its subsidiaries, has been set 
out in note 2 to the Group consolidated financial statements. 

Investments in subsidiaries 
Subsidiaries  are  all  entities  over  which  the  Company  has  control.    The  Company  controls  an  entity 
when the Company is exposed to, or has rights to, variable returns from its involvement with the entity 
and has the ability to affect those returns through its power over the entity. 

The value of the acquisition of Supply@ME S.r.l. as shown in the accounts of the holding company has 
been determined by applying the sections 610, 612 and 615 of the Companies Act 2006 as they relate 
to merger relief.    These sections of the Companies Act 2006 are applicable to corporate investments 
where more than 90% of the acquired entity is represented by a share for share exchange, as occurred 
with the acquisition of Supply@ME S.r.l. In this instance FRS 102 allows the investment to be carried 
in the  Company’s balance  sheet at  the  nominal value of  the  shares issued,  ignoring  any associated 
share premium.     

The  carrying  value  referred  to  above  is  then  adjusted  by  any  provision  for  impairment  in  the  value.   
Where events or changes in circumstances indicate that the carrying value of an investment may not 
be recoverable, an impairment review is carried out.    An impairment write down is recognised to the 
extent that the carrying value of the investment exceeds the higher of fair value less costs to sell and 
value in use.     

Cash and cash equivalents 
Cash and cash equivalents comprise cash on hand and other short-term highly liquid investments that 
are readily convertible to a known amount of cash and are subject to an insignificant risk of change in 
value. 

Financial assets 
Classification 
Financial assets currently comprise trade and other receivables, cash and cash equivalents. 

Recognition and measurement 
Loans and receivables 
Loans and receivables are mainly contractual trade receivables and are non-derivative financial assets 
with  fixed  or  determinable  payments  that  do  not  have  a  significant  financial  component  and  are  not 
quoted in an active market. Accordingly, trade and other receivables are recognised at undiscounted 
invoice  price.  A  reserve  for  credit  risk  is  made  at  the  beginning  of  each  transaction  and  adjusted 
subsequently through profit and loss. 

Cash and cash equivalents   
Cash and other short-term deposits in the Statement of Financial Position comprise cash at banks and 
in hand and short-term deposits with an original maturity of three months or less and where there is an 
insignificant risk of changes in value. 

Impairment of financial assets 
Financial assets, other than those held at fair value through profit and loss, are assessed for indicators 
of  impairment  at  each  reporting  end  date.  Financial  assets  are  impaired  where  there  is  objective 

80 

 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

evidence that, as a result of one or more events that occurred after the initial recognition of the financial 
asset, the estimated future cash flows have been affected. If an asset is impaired, the impairment loss 
is  the  difference  between  the  carrying  amount  and  the  present  value  of  the  estimated  cash  flows 
discounted at the asset’s original effective interest rate. The impairment loss is recognised in profit or 
loss. If there is a decrease in the impairment loss arising from an event occurring after the impairment 
was recognised, the impairment is reversed. The reversal is such that the current carrying amount does 
not  exceed  what  the  carrying  amount  would  have  been,  had  the  impairment  not  previously  been 
recognised. The impairment reversal is recognised in profit or loss. 

Derecognition of financial assets 
Financial assets are derecognised only when the contractual rights to the cash flows from the asset 
expire or are settled, or when the Company transfers the financial asset and substantially all the risks 
and rewards of ownership to another entity, or if some significant risks and rewards of ownership are 
retained  but  control  of  the  asset  has  transferred  to  another  party  that  is  able  to  sell  the  asset  in  its 
entirety to an unrelated third party. 

Financial liabilities 
Classification 
Financial liabilities comprise trade and other payables, convertible loan notes and derivative financial 
instruments. 

Recognition and measurement 
Trade and other payables   
Trade  and  other  payables  are  initially  recognised  at  fair  value  less  transaction  costs  and  thereafter 
carried at amortised cost.   

Derivative financial instruments 
The Company’s derivative financial instruments are a convertible loan note that was both issued and 
then  cleared  in  the  previous  period  year  by  a  debt  for  equity  swap,  and  warrants  were  issued  with 
options to acquire shares that are accounted for at fair value, with changes in value taken through profit 
and loss. The release of the fair value discount on the debt for equity swap has been taken direct to 
retained earnings. 

Derecognition of financial liabilities 
Financial  liabilities  are  derecognised  when  the  Company’s  contractual  obligations  expire  or  are 
discharged or cancelled. 

Equity 
"Share capital" represents the nominal value of equity shares issued.   

"Share premium" represents the excess over nominal value of the fair value of consideration received 
for equity shares net of expenses of the share issue.   

“Retained earnings” represents retained losses of the Company. 

Foreign currency transactions 
Foreign currency transactions are translated into the functional currency using the average exchange 
rates  in  the  month.  Foreign  exchange  gains  and  losses  resulting  from  the  settlement  of  such 
transactions, and from the translation at the reporting period end exchange rates of monetary assets 
and  liabilities  denominated  in  foreign  currencies,  are  recognised  in  the  statement  of  comprehensive 
income. 

Critical judgements and significant accounting estimates 
In determining and applying accounting policies, judgement is often required in respect of items where 
the choice of specific policy, accounting estimate or assumption to be followed could materially affect 
the reported results or net asset position of the Company should it later be determined that a different 

81 

 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

choice would be more appropriate. The most significant areas where judgement and estimates have 
been applied are as follows: 

Judgements 
The value of warrants for share options were measured, in accordance with FRS 102 section 26, by 
reference to their fair value at the date on which they were granted or issued. Judgement was required 
in determining the most appropriate valuation model (see Note 7). 

At the end of each accounting period, the Company assesses its ability to continue for a period of at 
least  12  months  from  the  date  the  financial  statements  are  approved,  by  reviewing  budgets  and 
forecasts for future trading years (as noted above in note 2). 

An assessment is made whether derivative financial instruments on issue are debt or equity (see note 
7). 

At the end of the accounting period the Company assesses if there are any indicators of impairment 
with  respect  to  its  investments  in  subsidiaries.    The  carrying  value  as  at  31  December  2020  was 
supported by a discounted cash flow model of future free cash flows. The Directors have reviewed the 
valuation based on current knowledge and projections.    They have concluded that the current carrying 
value  is  supported  by  the  present  value  of  future  free  cash  flows  and  that  no  impairment  of  the 
investment is required. 

Estimates 
Significant assumptions were necessary in arriving at the inputs into the valuation model for modified 
and new share option arrangements (see note 7). 

3 

Investments 

Details of undertakings 
Details of the investments in which the Company holds 20% or more of the nominal value of any class 
of share capital are as follows: 

Undertaking 

Country of 
incorporation 

Holding 

Subsidiary undertakings 
Supply@ME S.r.l. 

Italy 

Legal 
capital 

Proportion 
of voting 
rights and 
shares held 

2020 
100% 

Proportion 
of voting 
rights and 
shares 
held 
2019 
- 

Abal (Goswell) Limited 

England and Wales  Ordinary 

0% 

100% 

Supply@ME Stock Company 1 
S.R.L 

Supply@ME Stock Company 2 
S.R.L 

Supply@ME Stock Company 3 
S.R.L 

Italy 

Italy 

Italy 

shares 

Legal 
capital 

Legal 
capital 

Legal 
capital 

100% 

100% 

100% 

- 

- 

- 

Supply@ME S.r.l. is the Group’s main operating company engaged in inventory monetisation. 

The business and assets of Abal (Goswell) Limited were sold in February 2019, and the company was 
dissolved in November 2020.    The investment of £1 has been disposed of in the year. 

82 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

Investments 

As at 1 April 2019 
As at 31 December 2019 

As at 1 January 2020   
Additions at cost 
Disposals 
As at 31 December 2020 

Subsidiary 
undertakings 
£ 000 

- 
- 

- 
646 
- 
646 

On 23 March 2020, the Company issued 32,322,246,220 ordinary shares to acquire the whole of the 
share capital of Supply@ME S.r.l.    These shares had a nominal value of £0.00002 per share and an 
issue  price  of  £0.006945  per  share.    As  outlined  in  note  2  above  the  value  of  the  acquisition  of 
Supply@ME S.r.l. has been determined by applying the sections 610, 612 and 615 of the Companies 
Act 2006 as they relate to merger relief.    These sections of the Companies Act 2006 are applicable to 
corporate investments where more than 90% of the acquired entity is represented by a share for share 
exchange, as occurred with the acquisition of Supply@ME S.r.l. In this instance FRS 102 requires the 
investment to be carried in the Company’s balance sheet at the nominal value of the shares issued, 
ignoring any associated share premium.     

The  fair  value  of  the  investment  has  been  reviewed  for  impairment.  The  carrying  value  as  at  31 
December 2020 was supported by a discounted cash flow model of future free cash flows. The Directors 
have reviewed the valuation based on current knowledge and projections.    They have concluded that 
the  current  carrying  value  is  supported  by  the  present  value  of  future  free  cash  flows  and  that  no 
impairment of the investment is required. 

4 

Trade and other receivables 

Trade receivables 
Other receivables 
Prepayments 

As at 31 December 2020
£ 000
-
260
22

As at 31 December 2019
£ 000
-
67
-

Total current trade and other receivables 

282

67

5 

Share capital   

Allotted, called up and fully paid shares 

Ordinary shares of £0.00002 each 
Deferred shares of £0.04000 each 
2018 Deferred shares of £0.01000   
each 

As at 31 December 2020   
£ 000 

As at 31 December 2019 

No. 000 

101,095
63,084

224,194
388,373

£ 000 

3
2,523

2,241
4,767

655
2,523

2,242
5,420

No. 000 
32,754,945
63,084

224,194
33,042,223

83 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

New shares allotted 
On  23  March  2020,  the  Group  completed  a  reverse  acquisition  transaction  with  Supply@ME  S.r.l.   
Upon completion of the transaction, the share capital of Supply@ME Capital plc has been disclosed, to 
represent that of the legal acquirer. 32,322,246,220 ordinary shares were issued as consideration. 

Also, on 23 March 2020, 331,604,094 ordinary shares were issued through a placing which raised gross 
proceeds of £2,240,000. 

Rights, preferences and restrictions 
Ordinary shares have the following rights, preferences and restrictions: 
The Ordinary shares carry rights to participate in dividends and distributions declared by the Company 
and each share carries the right to one vote at any general meeting. There are no rights of redemption 
attaching to the Ordinary shares. 

Deferred shares have the following rights, preferences and restrictions: 
The deferred shares carry no rights to receive any dividend or distribution and carry no rights to vote at 
any general meeting. On a return of capital the Deferred shareholders are entitled to receive the amount 
paid up on them after the Ordinary shareholders have received £100,000,000 in respect of each share 
held  by  them.  The  Company  may  purchase  all  or  any  of  the  Deferred  shares  at  an  appropriate 
consideration of £1. 

2018 Deferred shares have the following rights, preferences and restrictions: 
The deferred shares carry no rights to receive any dividend or distribution and carry no rights to vote at 
any general meeting. 

6  Share-based payments, convertible loan notes and derivative financial instruments 

(1) Convertible loan notes and derivative financial instruments 
As at 31 December 2020 two warrants for options to acquire shares were outstanding.    These have a 
fair  value  of  £24,000  (31  December  2019:  £48,000).  Further  details  about  these  warrants  and  their 
valuation are set out in note 16 to the Group consolidated financial statements.     

7 

Trade and other payables 

Bank loans and overdrafts 
Trade payables 
Amounts due to group companies 
Other payables 
Social security and other taxes 
Accruals and deferred income 

As at 31 December 2020
£ 000
-
342
331
51
53
118
895

As at 31 December 2019
£ 000
-
303
-
45
3
58
409

8 

Related party transactions   

The  Company  has  taken  advantage  of  the  exemption  under  FRS  102:33.1A  from  disclosing 
transactions with other, wholly owned members of the Group. 

84 

 
 
 
 
 
 
 
 
 
 
 
 
Supply@ME Capital plc   

Notes to the Company Financial Statements for the Year Ended 31 December 
2020 

A  full  list  of  the  Company’s  subsidiaries  and  related  party  transactions  are  set  out  in  note  24  to  the 
Group consolidated financial statements.   

9 

Controlling party 

At 31 December 2020 the Directors do not believe that a controlling party exists. 

10 

Subsequent events 

A full list of the Company’s subsequent events are set out in note 26 to the Group consolidated financial 
statements.   

85