Assurance HC RCU
SGD 0.043
+0.00% +0.00 Updated 19 Oct 2026, 16:48 SGT
Financials
Annual Report 2025
Explore the statements
9 tablesConsolidated Statement of Comprehensive Income (Group)
24 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Income | |||
| RevenueS$ | 740,302 | 587,736 | PDF p. 47 |
| Other incomeS$ | 27,618 | 21,351 | PDF p. 47 |
| Other losses – net | |||
| – Reversal/(allowance) for expected credit losses on trade receivablesS$ | 39,835 | (215,097) | PDF p. 47 |
| Expenses | |||
| – Amortisation of intangible assetsS$ | (87,140) | (87,140) | PDF p. 47 |
| – Depreciation of property, plant and equipmentS$ | (43,835) | (39,510) | PDF p. 47 |
| – Employee compensationS$ | (832,170) | (835,884) | PDF p. 47 |
| – Finance costsS$ | (6,502) | (9,697) | PDF p. 47 |
| – Reversal of government grantS$ | – | (50,000) | PDF p. 47 |
| – OthersS$ | (620,107) | (690,904) | PDF p. 47 |
| SubtotalS$ | (1,589,754) | (1,713,135) | PDF p. 47 |
| Income | |||
| Loss before income taxS$ | (781,999) | (1,319,145) | PDF p. 47 |
| Income tax expenseS$ | – | (25,489) | PDF p. 47 |
| Loss for the financial yearS$ | (781,999) | (1,344,634) | PDF p. 47 |
| Other comprehensive loss: Items that may be reclassified subsequently to profit or loss | |||
| Currency translation differences arising from consolidation attributable to equity holders of the CompanyS$ | (101) | – | PDF p. 47 |
| Other comprehensive loss: Items that will not be reclassified subsequently to profit or loss | |||
| Currency translation differences arising from consolidation attributable to non-controlling interestsS$ | (68) | – | PDF p. 47 |
| Other comprehensive loss | |||
| Other comprehensive loss, net of taxS$ | (169) | – | PDF p. 47 |
| Income | |||
| Total comprehensive loss, representing net loss for the financial yearS$ | (782,168) | (1,344,634) | PDF p. 47 |
| Total loss for the financial year attributable to | |||
| Equity holders of the CompanyS$ | (731,782) | (1,135,645) | PDF p. 47 |
| Non-controlling interestsS$ | (50,217) | (208,989) | PDF p. 47 |
| SubtotalS$ | (781,999) | (1,344,634) | PDF p. 47 |
| Total comprehensive loss for the financial year attributable to | |||
| Equity holders of the CompanyS$ | (731,883) | (1,135,645) | PDF p. 47 |
| Non-controlling interestsS$ | (50,285) | (208,989) | PDF p. 47 |
| SubtotalS$ | (782,168) | (1,344,634) | PDF p. 47 |
| Loss per share attributable to owners of the Company (cents) | |||
| Basic and dilutedcents per share | (0.28) | (0.43) | PDF p. 47 |
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Definitions & sources
Original report: PDF p. 47 ↗
For the Financial Year Ended 31 December 2025. The accompanying notes form an integral part of the financial statements.
Consolidated Statement of Financial Position (Group)
25 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Non-current assets | |||
| Property, plant and equipmentS$ | 60,468 | 24,718 | PDF p. 48 |
| Intangible assetsS$ | 500,756 | 348,560 | PDF p. 48 |
| GoodwillS$ | 4,371,684 | 4,371,684 | PDF p. 48 |
| SubtotalS$ | 4,932,908 | 4,744,962 | PDF p. 48 |
| Current assets | |||
| Cash and cash equivalentsS$ | 1,236,789 | 2,164,718 | PDF p. 48 |
| Trade and other receivablesS$ | 1,058,223 | 833,660 | PDF p. 48 |
| Contract assetsS$ | 22,844 | 250 | PDF p. 48 |
| SubtotalS$ | 2,317,856 | 2,998,628 | PDF p. 48 |
| ASSETS | |||
| TOTAL ASSETSS$ | 7,250,764 | 7,743,590 | PDF p. 48 |
| Capital and reserve attributable to equity holders of the Company | |||
| Share capitalS$ | 28,581,434 | 28,581,434 | PDF p. 48 |
| Merger reserveS$ | 137,500 | 137,500 | PDF p. 48 |
| Currency translation reserveS$ | (101) | – | PDF p. 48 |
| Accumulated lossesS$ | (22,434,023) | (21,702,241) | PDF p. 48 |
| SubtotalS$ | 6,284,810 | 7,016,693 | PDF p. 48 |
| EQUITY AND LIABILITIES | |||
| Non-controlling interestsS$ | (117,325) | (67,040) | PDF p. 48 |
| Total equityS$ | 6,167,485 | 6,949,653 | PDF p. 48 |
| Non-current liabilities | |||
| ProvisionsS$ | 4,000 | 4,000 | PDF p. 48 |
| BorrowingsS$ | 13,473 | 63,963 | PDF p. 48 |
| SubtotalS$ | 17,473 | 67,963 | PDF p. 48 |
| Current liabilities | |||
| Trade and other payablesS$ | 962,943 | 606,976 | PDF p. 48 |
| BorrowingsS$ | 102,863 | 116,217 | PDF p. 48 |
| Current income tax liabilitiesS$ | – | 2,781 | PDF p. 48 |
| SubtotalS$ | 1,065,806 | 725,974 | PDF p. 48 |
| EQUITY AND LIABILITIES | |||
| Total liabilitiesS$ | 1,083,279 | 793,937 | PDF p. 48 |
| TOTAL EQUITY AND LIABILITIESS$ | 7,250,764 | 7,743,590 | PDF p. 48 |
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Definitions & sources
Original report: PDF p. 48 ↗
As at 31 December 2025. The accompanying notes form an integral part of the financial statements.
Statement of Financial Position (Company)
13 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Company | 2024Company | Source |
|---|---|---|---|
| Non-current assets | |||
| Property, plant and equipmentS$ | 1,632 | 2,261 | PDF p. 49 |
| Investment in subsidiary corporationsS$ | 4,560,000 | 4,560,000 | PDF p. 49 |
| SubtotalS$ | 4,561,632 | 4,562,261 | PDF p. 49 |
| Current assets | |||
| Cash and cash equivalentsS$ | 1,139,454 | 1,843,123 | PDF p. 49 |
| Trade and other receivablesS$ | 1,052,857 | 1,042,057 | PDF p. 49 |
| SubtotalS$ | 2,192,311 | 2,885,180 | PDF p. 49 |
| ASSETS | |||
| TOTAL ASSETSS$ | 6,753,943 | 7,447,441 | PDF p. 49 |
| Equity | |||
| Share capitalS$ | 71,898,384 | 71,898,384 | PDF p. 49 |
| Accumulated lossesS$ | (65,245,064) | (64,588,607) | PDF p. 49 |
| Total equityS$ | 6,653,320 | 7,309,777 | PDF p. 49 |
| Current liabilities | |||
| Trade and other payablesS$ | 100,623 | 137,664 | PDF p. 49 |
| Total liabilitiesS$ | 100,623 | 137,664 | PDF p. 49 |
| EQUITY AND LIABILITIES | |||
| TOTAL EQUITY AND LIABILITIESS$ | 6,753,943 | 7,447,441 | PDF p. 49 |
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Definitions & sources
Original report: PDF p. 49 ↗
As at 31 December 2025. The accompanying notes form an integral part of the financial statements.
Consolidated Statement of Comprehensive Income
21 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025The Group, S$ | 2024The Group, S$ | Source |
|---|---|---|---|
| Income | |||
| RevenueS$ | 740,302 | 587,736 | PDF p. 47 |
| Other incomeS$ | 27,618 | 21,351 | PDF p. 47 |
| Other losses – net | |||
| – Reversal/(allowance) for expected credit losses on trade receivablesS$ | 39,835 | (215,097) | PDF p. 47 |
| Expenses | |||
| – Amortisation of intangible assetsS$ | (87,140) | (87,140) | PDF p. 47 |
| – Depreciation of property, plant and equipmentS$ | (43,835) | (39,510) | PDF p. 47 |
| – Employee compensationS$ | (832,170) | (835,884) | PDF p. 47 |
| – Finance costsS$ | (6,502) | (9,697) | PDF p. 47 |
| – Reversal of government grantS$ | – | (50,000) | PDF p. 47 |
| – OthersS$ | (620,107) | (690,904) | PDF p. 47 |
| Income | |||
| Loss before income taxS$ | (781,999) | (1,319,145) | PDF p. 47 |
| Income tax expenseS$ | – | (25,489) | PDF p. 47 |
| Loss for the financial yearS$ | (781,999) | (1,344,634) | PDF p. 47 |
| Other comprehensive loss: Items that may be reclassified subsequently to profit or loss | |||
| Currency translation differences arising from consolidation attributable to equity holders of the CompanyS$ | (101) | – | PDF p. 47 |
| Other comprehensive loss: Items that will not be reclassified subsequently to profit or loss | |||
| Currency translation differences arising from consolidation attributable to non-controlling interestsS$ | (68) | – | PDF p. 47 |
| Other comprehensive loss | |||
| Other comprehensive loss, net of taxS$ | (169) | – | PDF p. 47 |
| Total comprehensive loss | |||
| Total comprehensive loss, representing net loss for the financial yearS$ | (782,168) | (1,344,634) | PDF p. 47 |
| Total loss for the financial year attributable to | |||
| Equity holders of the CompanyS$ | (731,782) | (1,135,645) | PDF p. 47 |
| Non-controlling interestsS$ | (50,217) | (208,989) | PDF p. 47 |
| Total comprehensive loss for the financial year attributable to | |||
| Equity holders of the CompanyS$ | (731,883) | (1,135,645) | PDF p. 47 |
| Non-controlling interestsS$ | (50,285) | (208,989) | PDF p. 47 |
| Loss per share attributable to owners of the Company (cents) | |||
| Basic and dilutedcents | (0.28) | (0.43) | PDF p. 47 |
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Definitions & sources
Original report: PDF p. 47 ↗
The accompanying notes form an integral part of the financial statements.
Comprehensive income is presented for the Group only; no Company statement of comprehensive income was seen.
Consolidated Statement of Cash Flows
25 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025The Group, S$ | 2024The Group, S$ | Source |
|---|---|---|---|
| Cash flows from operating activities | |||
| Loss for the financial yearS$ | (781,999) | (1,344,634) | PDF p. 51 |
| Adjustments for | |||
| – Income tax expenseS$ | – | 25,489 | PDF p. 51 |
| – Depreciation of property, plant and equipmentS$ | 43,835 | 39,510 | PDF p. 51 |
| – Amortisation of intangible assetsS$ | 87,140 | 87,140 | PDF p. 51 |
| – (Reversal)/allowance for expected credit lossesS$ | (39,835) | 215,097 | PDF p. 51 |
| – Interest incomeS$ | (4,340) | (14,539) | PDF p. 51 |
| – Interest expenseS$ | 6,502 | 9,697 | PDF p. 51 |
| Cash flows from operating activities | |||
| Operating cash flows before working capital changesS$ | (688,697) | (982,240) | PDF p. 51 |
| Changes in working capital | |||
| – Trade and other receivablesS$ | (189,060) | 282,529 | PDF p. 51 |
| – Contract assetsS$ | (22,594) | 19,213 | PDF p. 51 |
| – Trade and other payablesS$ | 355,799 | (364,088) | PDF p. 51 |
| Cash flows from operating activities | |||
| Cash used in operationsS$ | (544,552) | (1,044,586) | PDF p. 51 |
| Interest receivedS$ | 8,671 | 10,208 | PDF p. 51 |
| Income tax paidS$ | (2,781) | (22,708) | PDF p. 51 |
| Net cash used in operating activitiesS$ | (538,662) | (1,057,086) | PDF p. 51 |
| Cash flows from investing activities | |||
| Additions to property, plant and equipmentS$ | (1,689) | (9,034) | PDF p. 51 |
| Additions to intangible assetsS$ | (239,336) | (435,700) | PDF p. 51 |
| Net cash used in investing activitiesS$ | (241,025) | (444,734) | PDF p. 51 |
| Cash flows from financing activities | |||
| Repayment of bank borrowingsS$ | (104,660) | (103,633) | PDF p. 51 |
| Principal payment of a lease liabilityS$ | (37,080) | (34,616) | PDF p. 51 |
| Interest paidS$ | (6,502) | (9,697) | PDF p. 51 |
| Net cash used in financing activitiesS$ | (148,242) | (147,946) | PDF p. 51 |
| Net change in cash | |||
| Net decreased in cash and cash equivalentsS$ | (927,929) | (1,649,766) | PDF p. 51 |
| Cash and cash equivalents at the beginning of financial yearS$ | 2,164,718 | 3,814,484 | PDF p. 51 |
| Cash and cash equivalents at the end of financial yearS$ | 1,236,789 | 2,164,718 | PDF p. 51 |
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Definitions & sources
Original report: PDF p. 51 ↗
The accompanying notes form an integral part of the financial statements.
Reconciliation of liabilities arising from financing activities (2025)
2 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Beginning of financial year, S$ | 2025Principal and interest payments, S$ | 2025Non-cash changes: Addition, S$ | 2025Non-cash changes: Interest expense, S$ | 2025End of financial year, S$ | Source |
|---|---|---|---|---|---|---|
| 2025 | ||||||
| Bank borrowingsS$ | 168,292 | (109,042) | – | 4,382 | 63,632 | PDF p. 52 |
| Lease liabilityS$ | 11,888 | (39,200) | 77,896 | 2,120 | 52,704 | PDF p. 52 |
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Definitions & sources
Original report: PDF p. 52 ↗
Printed under the Consolidated Statement of Cash Flows.
Reconciliation of liabilities arising from financing activities (2024)
2 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2024Beginning of financial year, S$ | 2024Principal and interest payments, S$ | 2024Non-cash changes: Addition, S$ | 2024Non-cash changes: Interest expense, S$ | 2024End of financial year, S$ | Source |
|---|---|---|---|---|---|---|
| 2024 | ||||||
| Bank borrowingsS$ | 271,925 | (111,946) | – | 8,313 | 168,292 | PDF p. 52 |
| Lease liabilityS$ | 46,504 | (36,000) | – | 1,384 | 11,888 | PDF p. 52 |
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Definitions & sources
Original report: PDF p. 52 ↗
Printed under the Consolidated Statement of Cash Flows.
Consolidated Statement of Changes in Equity
8 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group, Share capital, S$ (attributable to equity holders of the Company) | 2025Group, Merger reserve, S$ | 2025Group, Currency translation reserve, S$ | 2025Group, Accumulated losses, S$ | 2025Group, Total attributable to equity holders, S$ | 2025Group, Non-controlling interests, S$ | 2025Group, Total equity, S$ | Source |
|---|---|---|---|---|---|---|---|---|
| 2025 | ||||||||
| At 1 January 2025S$ | 28,581,434 | 137,500 | – | (21,702,241) | 7,016,693 | (67,040) | 6,949,653 | PDF p. 50 |
| Loss for the yearS$ | – | – | – | (731,782) | (731,782) | (50,217) | (781,999) | PDF p. 50 |
| Other comprehensive loss for the yearS$ | – | – | (101) | – | (101) | (68) | (169) | PDF p. 50 |
| Total comprehensive loss for the financial yearS$ | – | – | (101) | (731,782) | (731,883) | (50,285) | (782,168) | PDF p. 50 |
| At 31 December 2025S$ | 28,581,434 | 137,500 | (101) | (22,434,023) | 6,284,810 | (117,325) | 6,167,485 | PDF p. 50 |
| 2024 | ||||||||
| At 1 January 2024S$ | 28,581,434 | 137,500 | – | (20,566,596) | 8,152,338 | 141,949 | 8,294,287 | PDF p. 50 |
| Total comprehensive loss for the financial yearS$ | – | – | – | (1,135,645) | (1,135,645) | (208,989) | (1,344,634) | PDF p. 50 |
| At 31 December 2024S$ | 28,581,434 | 137,500 | – | (21,702,241) | 7,016,693 | (67,040) | 6,949,653 | PDF p. 50 |
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Definitions & sources
Original report: PDF p. 50 ↗
Columns apply to both the 2025 movements (opening 1 Jan 2025 to closing 31 Dec 2025) and the 2024 movements (opening 1 Jan 2024 to closing 31 Dec 2024); the section field gives the year block. Non-controlling interests are shown as a column. The accompanying notes form an integral part of the financial statements.
Loss per share (Note 10)
3 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025The Group, 2025 | 2024The Group, 2024 | Source |
|---|---|---|---|
| Note 10 Loss per share | |||
| Total loss attributable to owners of the Company (S$)S$ | (731,782) | (1,135,645) | PDF p. 73 |
| Weighted average number of ordinary shares outstanding for basic and diluted earnings per sharenumber of shares | 263,320,923 | 263,320,923 | PDF p. 73 |
| Basic/diluted loss per share (S$ cents per share)S$ cents per share | (0.28) | (0.43) | PDF p. 73 |
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Definitions & sources
Original report: PDF p. 73 ↗
Basic and diluted loss per share is calculated by dividing the total loss attributable to owners of the Company by the weighted average number of ordinary shares outstanding during the financial year.
The Group has no potential dilutive shares as at 31 December 2025 and 2024.
Where the money comes from
Segment information
By business
Information of reportable operating segments - Group 14 lines
| Item / unit | 2025Singapore Managed healthcare solutions | 2025Corporate | 2025Total | 2024Singapore Managed healthcare solutions | 2024Corporate | 2024Total | Source |
|---|---|---|---|---|---|---|---|
| Revenue | |||||||
| Revenue to external partiesS$ | 740,302 | – | 740,302 | 587,736 | – | 587,736 | PDF p. 94PDF p. 95 |
| Expenses | |||||||
| Employee compensationS$ | (417,070) | (415,100) | (832,170) | (380,255) | (455,629) | (835,884) | PDF p. 94PDF p. 95 |
| Legal and professional feeS$ | (60,769) | (36,300) | (97,069) | (5,618) | (172,382) | (178,000) | PDF p. 94PDF p. 95 |
| Results | |||||||
| Loss before income taxS$ | (65,541) | (716,458) | (781,999) | (441,195) | (877,950) | (1,319,145) | PDF p. 94PDF p. 95 |
| Income tax expenseS$ | – | – | – | (25,489) | – | (25,489) | PDF p. 94PDF p. 95 |
| Loss for the financial yearS$ | (65,541) | (716,458) | (781,999) | (466,684) | (877,950) | (1,344,634) | PDF p. 94PDF p. 95 |
| Assets and liabilities | |||||||
| Segment assetsS$ | 6,061,426 | 1,189,338 | 7,250,764 | 5,758,704 | 1,984,886 | 7,743,590 | PDF p. 94PDF p. 95 |
| Segment liabilitiesS$ | (982,656) | (100,623) | (1,083,279) | (656,273) | (137,664) | (793,937) | PDF p. 94PDF p. 95 |
| Segment assets includes | |||||||
| Additions to property, plant and equipmentS$ | 1,689 | – | 1,689 | 9,034 | – | 9,034 | PDF p. 94PDF p. 95 |
| Additions to intangible assetsS$ | 239,336 | – | 239,336 | 435,700 | – | 435,700 | PDF p. 94PDF p. 95 |
| Other non-cash items | |||||||
| Depreciation of property, plant and equipmentS$ | (43,206) | (629) | (43,835) | (38,881) | (629) | (39,510) | PDF p. 94PDF p. 95 |
| Amortisation of intangible assetsS$ | (87,140) | – | (87,140) | (87,140) | – | (87,140) | PDF p. 94PDF p. 95 |
| Reversal for ECL on trade receivables and contract assets, netS$ | 39,835 | – | 39,835 | PDF p. 94 | |||
| Allowance for ECL on trade receivables and contract assets, netS$ | (215,097) | – | (215,097) | PDF p. 95 | |||
Notes
Segment assets and liabilities are presented net of inter-segment balances. Inter-segment pricing is determined on mutually agreed terms.
Row label wraps over two lines: 'Reversal for ECL on trade receivables and contract assets, net'; quote is the second line carrying the values.
Row label wraps over two lines: 'Allowance for ECL on trade receivables and contract assets, net'; quote is the second line carrying the values.
Debt
Borrowings
Liquidity risk maturity analysis 2025 - Borrowings
| Item / unit | 2025Carrying amount, S$ | 2025Within one year, S$ | 2025Within two years and five years, S$ | 2025Total contractual cash flow, S$ | Source |
|---|---|---|---|---|---|
| Group 2025 | |||||
| BorrowingsS$ | 116,336 | 105,494 | 13,600 | 119,094 | PDF p. 92 |
Notes
Contractual undiscounted cash flows. Borrowings include lease liabilities.
Liquidity risk maturity analysis 2024 - Borrowings
| Item / unit | 2024Carrying amount, S$ | 2024Within one year, S$ | 2024Within two years and five years, S$ | 2024Total contractual cash flow, S$ | Source |
|---|---|---|---|---|---|
| Group 2024 | |||||
| BorrowingsS$ | 180,180 | 121,060 | 65,034 | 186,094 | PDF p. 92 |
Notes
Contractual undiscounted cash flows.
Borrowing notes 1 tables
Borrowings
| Item / unit | 2025S$ | 2024S$ | Source |
|---|---|---|---|
| Current liabilities | |||
| Lease liabilityS$ | 39,231 | 11,888 | PDF p. 83 |
| Bank borrowing – Temporary bridging loans (Note (a))S$ | 63,632 | 104,329 | PDF p. 83 |
| Non-current liabilities | |||
| Lease liabilityS$ | 13,473 | – | PDF p. 83 |
| Bank borrowing – Temporary bridging loans (Note (a))S$ | – | 63,963 | PDF p. 83 |
| Total | |||
| Total borrowingsS$ | 116,336 | 180,180 | PDF p. 83 |
Notes
Note 20(a) (p.84): the temporary bridging loans are used for working capital, repayable over 60 monthly instalments and bear a fixed interest rate at 2.5% and 4.25% (2024: 2.5% and 4.25%) per annum.
Loans are secured by a deed of guarantee and indemnity for all monies from the Group's subsidiary corporation's non-controlling shareholders.
Note 20(b) (p.84): fair value of non-current bank borrowings was S$ nil in 2025 and S$60,690 in 2024, discounted at 5.68% in 2024.
Payout
Dividends & distributions
Dividend policy
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Dividend policy | The Company does not have a formal dividend policy. The form, frequency and amount of dividends will depend on the Group’s earnings, financial position, results of operations, capital needs, plans for expansion, and other factors as the Board may deem appropriate. | Company | PDF p. 32 |
Dividends declared and proposed
| Item | Value | Period / scope | Source |
|---|---|---|---|
| FY2025 dividend | There was no dividend declared/recommended for the FY2025 as the Company had recorded a loss during the year. | FY2025 | PDF p. 32 |
Extracted from Annual Report 2025 and checked against the cited pages; see the original report for full context.
Auditor’s report
Audit & risk signals
Audit opinion
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Audit firm | CLA Global TS Public Accounting Corporation | Group | PDF p. 46 |
| Engagement director | Teh Yeu Horng | Group | PDF p. 46 |
| Auditor's report date | 30 March 2026 | Group · As at 2026-03-30 | PDF p. 46 |
| Opinion | properly drawn up in accordance with the provisions of the Singapore Companies Act 1967 | Group and Company | PDF p. 42 |
Key audit matters
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Impairment of goodwill | Impairment of goodwill | Group | PDF p. 43 |
Extracted from Annual Report 2025 and checked against the cited pages; see the original report for full context.
How to read these figures
Group and parent company or bank figures are labelled separately. Parentheses indicate negative amounts; a dash and NA retain the report’s notation.
Comparative figures follow Annual Report 2025, including retrospective adjustments. Adjusted and reported earnings may have different definitions; refer to each statement’s notes.
These tables show the available extracted figures. The original annual report contains the full statements, notes and definitions.