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REGISTERED NUMBER: 04691692 (England and Wales)






















Unaudited Financial Statements

for the Year Ended 31 December 2024

for

Caravan & Leisure Insurance Consultants
Limited

Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)






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




Page

Balance Sheet 1

Notes to the Financial Statements 3


Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)

Balance Sheet
31 December 2024

2024 2023
as restated
Notes £    £    £   
FIXED ASSETS
Intangible assets 4 - -
Tangible assets 5 453 -
453 -

CURRENT ASSETS
Debtors 6 152,175 86,275
Cash at bank and in hand 95,231 101,453
247,406 187,728
CREDITORS
Amounts falling due within one year 7 173,713 136,647
NET CURRENT ASSETS 73,693 51,081
TOTAL ASSETS LESS CURRENT
LIABILITIES

74,146

51,081

CREDITORS
Amounts falling due after more than one
year

8

(79,680

)

(87,600

)

PROVISIONS FOR LIABILITIES (99 ) -
NET LIABILITIES (5,633 ) (36,519 )

CAPITAL AND RESERVES
Called up share capital 10 1,000 1,000
Retained earnings (6,633 ) (37,519 )
SHAREHOLDERS' FUNDS (5,633 ) (36,519 )

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

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

The director acknowledges his 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.

Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)

Balance Sheet - continued
31 December 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 Statement of Income and Retained Earnings has not been delivered.

The financial statements were approved by the director and authorised for issue on 2 June 2025 and were signed by:





P Blundell - Director


Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)

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

1. STATUTORY INFORMATION

Caravan & Leisure Insurance Consultants Limited is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address are as below:

Registered number: 04691692

Registered office: 35 Conway Road
Colwyn Bay
Conway
LL29 7AA

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 recognised at the fair value of the commission receivable for services provided in the ordinary nature
of the business. Insurance commission is recognised in full in the month the policy commences, as adjusted for
policies that are expected to subsequently lapse post period year.

Goodwill
Goodwill, being the amount paid in connection with the acquisition of a business in 2004, is being amortised evenly over its estimated useful life of four 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.

Computer software is being amortised evenly over its estimated useful life of four years.

Tangible fixed assets
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.
Leasehold improvements - Straight line over 4 years
Fixtures and fittings - Straight line over 4 years
Computer equipment - Straight line over 3 years

Investment property
Investment property is shown at most recent valuation. Any aggregate surplus or deficit arising from changes in fair value is recognised in profit or loss.

Financial instruments
The Company only enters into basic financial instrument transactions that result in the recognition of financial assets and liabilities like trade and other debtors and creditors, loans from banks and other third parties, loans to related parties and investments in ordinary shares.

Financial assets that are measured at cost and amortised cost are assessed at the end of each reporting period for objective evidence of impairment. If objective evidence of impairment is found, an impairment loss is recognised in the Statement of Comprehensive Income.

For financial assets measured at cost less impairment, the impairment loss is measured as the difference between an asset's carrying amount and best estimate of the recoverable amount, which is an approximation of the amount that the Company would receive for the asset if it were to be sold at the balance sheet date.


Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)

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

2. ACCOUNTING POLICIES - continued
Taxation
Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and Retained Earnings, 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 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.

Insurance debtors and creditors
The company acts as an agent in broking the insurance risks of clients and normally is not liable as a principal for premiums due to underwriters or for claims payable to clients. Notwithstanding the legal relationships with clients and underwriters, the company has followed generally accepted accounting practise for insurance intermediaries by showing debtors, creditors and cash balances relating to the insurance broking business as assets and liabilities of the company itself. This recognises that the company is entitled to retain the investment income on any cash flows arising from these transactions.

3. EMPLOYEES AND DIRECTORS

The average number of employees during the year was 7 (2023 - 8 ) .

4. INTANGIBLE FIXED ASSETS
Other
intangible
Goodwill assets Totals
£    £    £   
COST
At 1 January 2024
and 31 December 2024 25,000 50,226 75,226
AMORTISATION
At 1 January 2024
and 31 December 2024 25,000 50,226 75,226
NET BOOK VALUE
At 31 December 2024 - - -
At 31 December 2023 - - -

Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)

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

5. TANGIBLE FIXED ASSETS
Fixtures
Leasehold and Computer
improvements fittings equipment Totals
£    £    £    £   
COST
At 1 January 2024 5,890 55,002 - 60,892
Additions - - 544 544
At 31 December 2024 5,890 55,002 544 61,436
DEPRECIATION
At 1 January 2024 5,890 55,002 - 60,892
Charge for year - - 91 91
At 31 December 2024 5,890 55,002 91 60,983
NET BOOK VALUE
At 31 December 2024 - - 453 453
At 31 December 2023 - - - -

6. DEBTORS
2024 2023
as restated
£    £   
Amounts falling due within one year:
Trade debtors 82,067 31,644
Amounts owed by group undertakings 54,631 -
Other debtors 15,477 -
152,175 31,644

Amounts falling due after more than one year:
Amounts owed by group undertakings - 54,631

Aggregate amounts 152,175 86,275

7. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2024 2023
as restated
£    £   
Bank loans and overdrafts 6,711 4,800
Trade creditors 149,211 119,450
Taxation and social security 13,288 3,484
Other creditors 4,503 8,913
173,713 136,647

8. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
2024 2023
as restated
£    £   
Bank loans 29,680 37,600
Other creditors 50,000 50,000
79,680 87,600

Caravan & Leisure Insurance Consultants
Limited (Registered number: 04691692)

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

9. LEASING AGREEMENTS

Minimum lease payments under non-cancellable operating leases fall due as follows:
2024 2023
as restated
£    £   
Within one year 9,120 -
Between one and five years 2,280 -
11,400 -

10. CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:
Number: Class: Nominal 2024 2023
value: as restated
£    £   
1,000 Ordinary 1 1,000 1,000

11. RELATED PARTY DISCLOSURES

The company has taken advantage of exemption, under the terms of Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland', not to disclose related party transactions with wholly owned subsidiaries within the group.

During the financial year, the company rented business premises from P Blundell, a director of the company. Expenditure in the year amounted to £9,120.

12. ULTIMATE CONTROLLING PARTY

The company's parent undertaking is Noble Insurance Group Limited. The registered office and business
address of the parent undertaking is Jubilee House, Long Bennington Business Park, Long Bennington, Newark,NG23 5JR.