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REGISTERED NUMBER: 03294877 (England and Wales)















Voyager Financial Services Limited

Unaudited Financial Statements

for the Year Ended 31 August 2024






Voyager Financial Services Limited (Registered number: 03294877)






Contents of the Financial Statements
for the Year Ended 31 August 2024




Page

Company Information 1

Balance Sheet 2

Notes to the Financial Statements 3


Voyager Financial Services Limited

Company Information
for the Year Ended 31 August 2024







DIRECTOR: L Murray





REGISTERED OFFICE: Office 14
Workspace Albert Road Methodist Church
Albert Road
Penarth
CF64 1BY





REGISTERED NUMBER: 03294877 (England and Wales)





ACCOUNTANTS: Xeinadin South Wales & West Limited
Accountants & Business Advisors
Suite 2d,
Building 1 Eastern Business Park
St Mellons
Cardiff
CF3 5EA

Voyager Financial Services Limited (Registered number: 03294877)

Balance Sheet
31 August 2024

31.8.24 31.8.23
Notes £    £    £   
FIXED ASSETS
Tangible assets 4 97 134

CURRENT ASSETS
Debtors 5 55,804 69,226
Cash at bank 35,047 49,054
90,851 118,280
CREDITORS
Amounts falling due within one year 6 49,148 43,327
NET CURRENT ASSETS 41,703 74,953
TOTAL ASSETS LESS CURRENT
LIABILITIES

41,800

75,087

CREDITORS
Amounts falling due after more than one year 7 (24,841 ) (29,298 )

PROVISIONS FOR LIABILITIES (15,357 ) (42,285 )
NET ASSETS 1,602 3,504

CAPITAL AND RESERVES
Called up share capital 210 210
Retained earnings 1,392 3,294
SHAREHOLDERS' FUNDS 1,602 3,504

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 August 2024.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 August 2024 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges her 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.

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 director and authorised for issue on 28 May 2025 and were signed by:





L Murray - Director


Voyager Financial Services Limited (Registered number: 03294877)

Notes to the Financial Statements
for the Year Ended 31 August 2024

1. STATUTORY INFORMATION

Voyager Financial Services Limited 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.

The presentation currency of the financial statements is the Pound Sterling (£).


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 represents net invoiced sales of services from ordinary activities.

Tangible fixed assets
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.
Plant and machinery - 25% on cost
Fixtures and fittings - 15% 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 balance sheet date.

Deferred tax
Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

Pension costs and other post-retirement benefits
The company operates a money purchase pension scheme. Funds are held and administered separately to those of the company. Contributions payable to the pension scheme are charged to the profit and loss account in the period to which they relate.

3. EMPLOYEES AND DIRECTORS

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

Voyager Financial Services Limited (Registered number: 03294877)

Notes to the Financial Statements - continued
for the Year Ended 31 August 2024

4. TANGIBLE FIXED ASSETS
Fixtures
Plant and and
machinery fittings Totals
£    £    £   
COST
At 1 September 2023
and 31 August 2024 28,165 8,755 36,920
DEPRECIATION
At 1 September 2023 28,165 8,621 36,786
Charge for year - 37 37
At 31 August 2024 28,165 8,658 36,823
NET BOOK VALUE
At 31 August 2024 - 97 97
At 31 August 2023 - 134 134

5. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.8.24 31.8.23
£    £   
Trade debtors 321 4
Other debtors 3,652 19,366
Directors' current accounts 51,831 49,456
Prepayments and accrued income - 400
55,804 69,226

6. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.8.24 31.8.23
£    £   
Bank loans and overdrafts 13,297 11,009
Tax 27,765 23,359
Social security and other taxes 206 59
Other creditors 80 100
Accruals 7,800 8,800
49,148 43,327

7. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
31.8.24 31.8.23
£    £   
Bank loans - 1-2 years 4,583 4,470
Bank loans - 2-5 years 14,452 14,097
Bank loans more 5 yr by instal 5,806 10,731
24,841 29,298

Amounts falling due in more than five years:

Repayable by instalments
Bank loans more 5 yr by instal 5,806 10,731

Voyager Financial Services Limited (Registered number: 03294877)

Notes to the Financial Statements - continued
for the Year Ended 31 August 2024

8. DIRECTOR'S ADVANCES, CREDITS AND GUARANTEES

The following advances and credits to a director subsisted during the years ended 31 August 2024 and 31 August 2023:

31.8.24 31.8.23
£    £   
L Murray
Balance outstanding at start of year 49,456 50,895
Amounts advanced 57,112 62,276
Amounts repaid (54,737 ) (63,715 )
Amounts written off - -
Amounts waived - -
Balance outstanding at end of year 51,831 49,456

Interest is charged on this loan to the director at the HMRC official rates of interest that applied during the period of 2.25% (2023: 2.25%).