About Going Concern

Going Concern is a bank simulation you run from a terminal in your browser. It is made in Denmark by SEJR Group A/S.

Why we built it

Banks shape every economy, and how they actually work, and why they fail, is understood by the people inside them and almost nobody else. We wanted a simulation that is honest about the mechanics, a real balance sheet, the real rules as they applied, the real series of real jurisdictions, and that treats the player as a professional: dry committee English, documents on paper, a supervisor who writes letters, agencies with temperaments, a board that can lose a vote.

SejrBank, and what changed

Going Concern is the relaunch of SejrBank, a game about a Danish savings bank in a harbour town with a Windows 95 desktop and a rival named Viggo Brandt. It was fun and it was a toy. The engine underneath it was sound, so we kept the engine, rebuilt everything a player touches, and rewrote the systems a finance audience would look for first: the funding stack, the capital stack, the credit desk, the agencies, the supervisor, the mandates. The old game stays at sejrbank.com/banking for anyone with a career there.

Real places, fictional banks

The jurisdictions, the years, the regulators and the series are real. The banks, including the rivals with the nearly familiar names, are fictional, and nothing that happens to them is a statement about any real bank.

Contact

Going Concern is made by Morris Dragsbæk-Friis at SEJR Group A/S. Corrections to the mechanics are the most welcome mail we get: mdf@sejr.com.

Credits

The pictures on the desk are paintings: the people, the places, the head office and the view from the office window were painted with Canva's AI image generator for Going Concern in October 2026. No real person is portrayed, and everything that moves in them is drawn by the game's own code. Switch Paintings off in SET and the desk shows photographs instead.

Those photographs are from Unsplash, free under the Unsplash licence and credited where each appears. The portraits are by Filip Rankovic Grobgaard, Makeen M.Alaa, Christian Buehner, Aslan Kumarov, Benjamin R., Musharraf Khan, Kam Star, sergey mikheev, Michael Oldach, Vidak, Giuseppe Argenziano, Mile Modic, Egor Ivlev, Jonathan Cosens Photography, Annie Spratt, rdsbeats oussama, Christopher Oshana, Alexander Krivitskiy, Chema Photo, Daniil Lobachev, Vladislav Nikonov, Swarnavo Chakrabarti, Filipe Almeida, Julia Potter, Daniel Stiel, Senya Mitin, Abenezer Shewaga, Craig Tidball, Leiada Krözjhen, Giorgio Trovato, Marina Nazina, Alexandra Tudor, True Agency, Liza Pooor and Janko Ferlič; the people in them are models, and the names on the desk are fictional. The places are by Chad Nathan, Leo_Visions, Arthur Shuraev, Oskar Kadaksoo, Vladimir Kudinov, Joshua Woroniecki, Christina @ wocintechchat.com, Anne Nygård, Jorge Fernández Salas, Museums Victoria, POURIA, Marcus Reubenstein, Brett Wharton, Tony Williams, Matthias Münning, Henrique Ferreira, Swapnil Bapat, Julien Widmer, Charles Forerunner, Sergei Wing, Tim Mossholder, Scott Graham, Jose Marroquin, Ali Mkumbwa, Hannah Shedrow, Design Hills, Lalit Kumar, Clark Street Mercantile, Israel Andrade, David Trinks, AbsolutVision, Maxim Hopman, Peter Herrmann, Albert Stoynov, Thula Na, Nick Fewings, Richard Bell, Maksym Kaharlytskyi, Allen Y, Jonas Leupe, Alex Kotliarskyi, Radission US, Surinder Singh and Romain Dancre. The same places in other decades are by Igor Saikin, Niklas König, Navy Medicine, Benjamin Child, Brandon Mowinkel, Cara Willenbrock, Bank Phrom, Content Pixie, Joachim Schnürle, Fernando Lavin, Kelly Sikkema, Haydon, Caroline Pasarin, Meg Jenson, Tolu Olarewaju, Markus Spiske, Ahmad Al Kadri, Aishah Rahman, Mihai Moisa, Nicholas Cappello, Aakriti Raina, blue sky, Valentin Lacoste, Eduardo Soares, Nick Pampoukidis, Maxim Klimashin, t Penguin, Kevin Angelsø, Claudio Schwarz, Andy Wang, Chris Montgomery, Compagnons, Compare Fibre, Jakub Żerdzicki, Adam Śmigielski, Tony Marinescu, CardMapr.nl, Atlantic Money, Brooke Cagle, Marcel Strauß and Guo Xin Goh; the 1970s terminals are from the Navy Medicine historical files. The head office at every size, the home towns and the supervisor in the other decades are by goodrich kingrey, Emmanuel Munoz, André Simões, Etienne Martin, Thanh Ly, Hennie Stander, Matt Reames, Maciej Drążkiewicz, Dmytro Yarish, Kyrylo Kholopkin, James Frewin, Ignat Kushnarev, Randy Laybourne, Frans Ruiter, Cameron Cress, Thomas Dewey, Don Lodge, Ali Gooya, Christian Paul Stobbe, Gritte, Ilia Bronskiy, Galen Crout, Jo Filmmaker, Louis Charron and hohyeong lee; the 1975 tape library is also from the Navy Medicine historical files. The front pages of the special editions are by Rob Sarmiento, Alexander Naglestad, Alice Juana, Tyler Prahm, Robinson Greig, Frans Ruiter, bram naus and Elissa Garcia. The crisis scenes are by Ben Garratt, cmophoto.net, mdreza jalali, Vitaly Gariev, Bruno BD and Andreas Fischinger. The desk is set in Söhne (Klim Type Foundry, licensed to SEJR Group A/S) and the pages in IBM Plex (Open Font Licence).

Important

It is a game and an educational simulation. It uses no real money and nothing in it is financial or investment advice.