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REGISTERED NUMBER: 13712780 (England and Wales)















Unaudited Financial Statements

for the Year Ended 5 April 2024

for

Stuart Gardner Financial Services Ltd

Stuart Gardner Financial Services Ltd (Registered number: 13712780)

Contents of the Financial Statements
for the Year Ended 5 April 2024










Page

Company Information 1

Statement of Financial Position 2

Notes to the Financial Statements 4


Stuart Gardner Financial Services Ltd

Company Information
for the Year Ended 5 April 2024







DIRECTORS: S E Gardner
Mrs S L Smurthwaite





REGISTERED OFFICE: 19.1 Highnam Business Centre
Newent Road
Highnam
Gloucester
GL2 8DN





REGISTERED NUMBER: 13712780 (England and Wales)





ACCOUNTANTS: HATS Gloucester Ltd
48 Hucclecote Road
Gloucester
Gloucestershire
GL3 3RS

Stuart Gardner Financial Services Ltd (Registered number: 13712780)

Statement of Financial Position
5 April 2024

5/4/24 5/4/23
Notes £    £    £    £   
FIXED ASSETS
Intangible assets 4 152,148 171,166
Tangible assets 5 3,571 2,596
155,719 173,762

CURRENT ASSETS
Debtors 6 480 -
Cash at bank 72,191 63,453
72,671 63,453
CREDITORS
Amounts falling due within one year 7 82,174 74,702
NET CURRENT LIABILITIES (9,503 ) (11,249 )
TOTAL ASSETS LESS CURRENT
LIABILITIES

146,216

162,513

CREDITORS
Amounts falling due after more than one
year

8

84,588

119,588
NET ASSETS 61,628 42,925

CAPITAL AND RESERVES
Called up share capital 2 2
Retained earnings 61,626 42,923
SHAREHOLDERS' FUNDS 61,628 42,925

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 5 April 2024.

The members have not required the company to obtain an audit of its financial statements for the year ended 5 April 2024 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for:
(a)ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and
(b)preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

Stuart Gardner Financial Services Ltd (Registered number: 13712780)

Statement of Financial Position - continued
5 April 2024


The financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

In accordance with Section 444 of the Companies Act 2006, the Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 15 October 2024 and were signed on its behalf by:




S E Gardner - Director



Mrs S L Smurthwaite - Director


Stuart Gardner Financial Services Ltd (Registered number: 13712780)

Notes to the Financial Statements
for the Year Ended 5 April 2024


1. STATUTORY INFORMATION

Stuart Gardner Financial Services Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

2. ACCOUNTING POLICIES

Basis of preparing the financial statements
These financial statements have been prepared in accordance with Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" including the provisions of Section 1A "Small Entities" and the Companies Act 2006. The financial statements have been prepared under the historical cost convention.

Turnover
Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Goodwill
Goodwill, being the amount paid in connection with the acquisition of a business in 2022, is being amortised evenly over its estimated useful life of ten years.

Intangible assets
Intangible assets are initially measured at cost. After initial recognition, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

Tangible fixed assets
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.
Fixtures and fittings - 20% on cost
Computer equipment - 33% on cost

Taxation
Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the statement of financial position date.

Hire purchase and leasing commitments
Rentals paid under operating leases are charged to profit or loss on a straight line basis over the period of the lease.

Pension costs and other post-retirement benefits
The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

Going concern
Despite net current liabilities of £9,503 at 5 April 2024 (2023 - £11,249), the accounts have been prepared on a going concern basis. The directors have reviewed future cash flows and expressed their willingness to financially support the company for the foreseeable future and therefore consider it appropriate to prepare the financial statements on a going concern basis.

Stuart Gardner Financial Services Ltd (Registered number: 13712780)

Notes to the Financial Statements - continued
for the Year Ended 5 April 2024


3. EMPLOYEES AND DIRECTORS

The average number of employees during the year was 2 (2023 - 2 ) .

4. INTANGIBLE FIXED ASSETS
Goodwill
£   
Cost
At 6 April 2023
and 5 April 2024 190,185
Amortisation
At 6 April 2023 19,019
Amortisation for year 19,018
At 5 April 2024 38,037
Net book value
At 5 April 2024 152,148
At 5 April 2023 171,166

5. TANGIBLE FIXED ASSETS
Fixtures
and Computer
fittings equipment Totals
£    £    £   
Cost
At 6 April 2023 - 3,894 3,894
Additions 1,256 1,903 3,159
At 5 April 2024 1,256 5,797 7,053
Depreciation
At 6 April 2023 - 1,298 1,298
Charge for year 251 1,933 2,184
At 5 April 2024 251 3,231 3,482
Net book value
At 5 April 2024 1,005 2,566 3,571
At 5 April 2023 - 2,596 2,596

6. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
5/4/24 5/4/23
£    £   
Other debtors 480 -

Stuart Gardner Financial Services Ltd (Registered number: 13712780)

Notes to the Financial Statements - continued
for the Year Ended 5 April 2024


7. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
5/4/24 5/4/23
£    £   
Taxation and social security 42,730 30,124
Other creditors 39,444 44,578
82,174 74,702

8. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR
5/4/24 5/4/23
£    £   
Other creditors 84,588 119,588

9. LEASING AGREEMENTS

Minimum lease payments under non-cancellable operating leases fall due as follows:
5/4/24 5/4/23
£    £   
Within one year 1,440 -

10. SECURED DEBTS

The following secured debts are included within creditors:

5/4/24 5/4/23
£    £   
Other loans 119,583 154,583

A floating charge, including a negative pledge, expressed to cover all the property and undertaking of the company, is in place in favour of Openwork Services Limited.