What knowco does

KnowCo Limited is a Croydon-based UK consultancy and software vendor founded in 2008 that delivers governance, risk and compliance (GRC) services and software to financial institutions across the UK, continental Europe, the Middle East and Africa. The company is led by co-founder Paul Ashton (formerly of GE Capital, United Bank of Kuwait, Citibank and Arbuthnot Latham) and director Lise Land (formerly of Unisys and Deloitte; PhD in Expert Systems and Statistics), and operates with 1–10 employees, with no disclosed external funding.

KnowCo sells a modular software suite built on a proprietary stress-testing engine that captures data at cash-flow level granularity. The suite comprises K-ALM (asset and liability management with ICAAP Manager), KST (stress testing for liquidity, credit and IRRBB), K-FTP (funds transfer pricing) and K-IFRS9 (IFRS 9 technical and reporting), delivered as both on-premise installations and cloud-enabled SaaS. Around the software, KnowCo sells consulting services across Basel III, capital risk, liquidity risk, IRRBB, IFRS 9 ECL modelling, Pillar III, RRP, risk appetite, scenario generation and strategic enterprise risk management.

The business runs an enterprise field-sales motion targeting challenger banks, retail banks, building societies and investment firms in UK and EMEA; logos include Wesleyan Bank, United Trust Bank, UBA UK, GTBank, GHIB, Sonali Bank UK and ScotiaBank, with a strategic integration partnership with Eurobase's siena treasury/ALM platform. Revenue is split between subscription-based software licensing (SaaS and on-premise) and professional services, with modular, quote-based pricing on multi-year contracts.

Name

knowco

Legal name

KnowCo Limited

Website

https://knowco.co.uk

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

KnowCo Limited is a UK-based consultancy and software vendor founded in 2008 that provides governance, risk and compliance (GRC) solutions — including ALM, stress testing, funds transfer pricing and IFRS 9 software, plus consulting — to banks, building societies and investment firms across the UK, Europe, the Middle East and Africa.

Ownership category

akta.pro rank

Product category

Banking Risk and Regulatory Compliance Software

NAICS

Software Publishers (5132), Management Consulting Services (54161), Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)

akta.pro primary industry

Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)

akta.pro secondary industries

Compliance Technology, GRC Platforms & Controls Automation Advisory (BPAHAFAO), Risk, Compliance & Internal Controls Consulting (BPAHACAJ)

Keywords

• Banking risk software
• Regulatory compliance solutions
• Asset liability management
• Stress testing software
• IFRS 9 implementation

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Software Licensing (SaaS and On-premise): KnowCo offers its software solutions (K-ALM, KST, K-FTP, K-IFRS9) as both on-premise installations and Cloud-enabled SaaS applications. Software is modular, allowing clients to pay for only the modules they need. Revenue is generated through software licensing and subscription fees for the SaaS offering.
2. Consulting Services: Professional consulting services for governance, risk, and compliance (GRC) including Basel III, Capital Risk, Compliance Assurance, Credit Risk Management, IFRS 9 ECL Modelling, IRRBB, Liquidity Risk Management, Pillar III Disclosure, RRP, Risk Appetite, Scenario Generation and Stress-Testing, and Strategic Enterprise Risk Management.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

KnowCo sells a modular suite of risk and regulatory software products (K-IFRS9, K-FTP, KST, K-ALM and the ICAAP Manager module) to banks and building societies, available as on-premise installations or Cloud/SaaS. Alongside the software, the firm delivers specialist governance, risk and compliance (GRC) consulting services covering Basel III, ICAAP/ILAAP, IRRBB, IFRS 9, liquidity risk and stress testing for financial institutions in the UK, Europe, the Middle East and Africa.

Product overview

KnowCo offers a suite of four core software solutions for financial institutions: K-IFRS9 (IFRS 9 technical and reporting solution), K-FTP (Funds Transfer Pricing application), KST (Stress Testing solution), and K-ALM (Asset and Liability Management). These solutions are available as on-premise or Cloud/SaaS deployments. The K-ALM and KST platforms share an ICAAP Manager module for capital adequacy assessment. All solutions are designed to work together as an integrated architecture supporting regulatory compliance, risk management, and financial modeling across the governance, risk, and compliance spectrum.

Differentiator

Problem solved

Functional benefit

Brands

• K-IFRS9: KnowCo's IFRS 9 Manager - a technical and reporting solution for IFRS 9 implementation, administration, control and reporting, including ECL calculations and regulatory reporting.
• K-FTP
• KST
• K-ALM

Products and services

• K-IFRS9 Technical Solution A purpose-built technical and reporting solution for IFRS 9 that supports business-line classification, setting impairment levels, provisioning, regulatory reporting and management information, including EIR and ECL parameter computation, manual intervention with audit trail and automated flags for Low Credit Risk, SICR and Stage movements.
• K-FTP – Funds Transfer Pricing Application A Funds Transfer Pricing Application supporting banks in pricing liquidity risk, integrating different risk components to the notional interest curve and reporting on differences between FTP and actual interest yielded, with comprehensive FTP curves, automated allocation rules and detailed reporting.
• KST – Stress Testing Solution A stress testing and ALM software solution enabling users to carry out liquidity risk, credit risk capital and interest rate risk stress tests with automated data upload, data error reporting, scenario saving and re-running, data-filter functionality and out-of-the-box MI reports, including the ICAAP Manager module.
• K-ALM – Asset and Liability Management An asset and liability management solution allowing clients to create and define bespoke forecasting and stress parameters that compute liquidity and capital requirements and the effects of interest rate stresses and credit impairment on earnings under unlimited scenarios, including behavioural modelling of cash flows with no contractual maturity and an ICAAP module for capital dashboard monitoring; available as on-premise or SaaS (Cloud).
• Governance, Risk and Compliance (GRC) Consulting Services Professional consulting services for financial institutions across governance, risk and compliance, including Basel III advisory, Capital Risk, Compliance Assurance, Credit Risk Management, IFRS 9 ECL modelling, IRRBB, Liquidity Risk Management, Pillar III Disclosure, Recovery and Resolution Planning (RRP), Risk Appetite framework development, Scenario Generation and Stress-Testing, and Strategic Enterprise Risk Management.

Quantifiable outcome

• Streamlined IRRBB reporting and management information, reducing reliance on complex spreadsheet models and improving processes and timelines
• +3 more outcomes

Named customers14 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• EurobasecoreTechnology or IntegrationEurobase has been providing treasury management and sales trading solutions, including integrated modules covering regulatory reporting and ALM, to businesses for over 25 years. Eurobase offers an exceptional client experience and the option to add new innovative services with minimal effort. With such a wide range of institutions choosing siena (Eurobase platform), Eurobase has become one of the most trusted and reliable solutions providers in the market. The partnership allows KnowCo to integrate their GRC software solutions with Eurobase's treasury and ALM platform.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• QRM (Quantitative Risk Management): Specialist ALM and IRRBB software vendor for banks, with similar cash-flow-granular modelling approach to KnowCo's K-ALM. Direct competitor in the asset-liability management niche.
• MetricStream: Enterprise GRC platform covering operational risk, compliance, and audit for financial institutions. Overlaps with KnowCo's broader governance, risk, and compliance consulting positioning but as a broader horizontal GRC suite.
• Lombard Risk: UK-headquartered vendor of regulatory reporting, liquidity risk, and collateral solutions for banks and building societies. Closest geographic and customer-base peer to KnowCo, with directly overlapping regulatory-compliance software.

Emerging players

• Diligent: Governance, risk, and compliance SaaS provider increasingly focused on banking and financial services use cases. Overlaps with KnowCo's governance and risk-management consulting but as a horizontal GRC platform.
• Regnology: Regulatory reporting and supervisory technology vendor spun out of BearingPoint, serving banks across Europe with reporting and compliance solutions. Comparable to KnowCo on the regulatory reporting axis but more focused on regulator-facing submissions.

Broad incumbents

• Moody's Analytics: Provides risk and regulatory compliance software for banks including ALM, stress testing, IFRS 9 ECL, and capital adequacy solutions. Broad portfolio with deep overlap to KnowCo's K-ALM, KST, and K-IFRS9 modules.
• FICO: Provides IFRS 9, credit risk, and analytics solutions for banks, including ECL modelling and stress testing capabilities. Overlaps with KnowCo's K-IFRS9 and KST modules but is part of FICO's broader analytics franchise.
• SAS: Enterprise risk analytics platform with IFRS 9, stress testing, and ALM solutions for banks. Competes with KnowCo's stress-testing and IFRS 9 offerings but addresses a much wider set of analytical use cases.
• IBM OpenPages: IBM's enterprise GRC platform addressing operational risk, regulatory compliance, and internal audit for financial services. Competes with KnowCo on the consulting/GRC advisory dimension rather than the quantitative ALM core.
• Wolters Kluwer: Major incumbent providing OneSumX for Regulatory Reporting, ALM, IFRS 9, IRRBB, and liquidity solutions to banks globally. Significantly larger and broader than KnowCo, but overlaps directly on every core product (ALM, stress testing, FTP, IFRS 9).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about knowco