Caliber Financial Management Ltd

Caliber Financial Management Ltd Accountants' Report For the year ended 31 March 2025
Report to the directors on the preparation of the unaudited statutory accounts of Caliber Financial Management Ltd for the year ended 31 March 2025 In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Caliber Financial Management Ltd for the year ended 31 March 2025 which comprise of the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the companys accounting records and from information and explanations you have given us As a practising member firm of the Association of Chartered Certified Accountants, we are subject to its ethical and other professional requirements which are detailed at http://rulebook.accaglobal.com/ This report is made solely to the Board of Directors of Caliber Financial Management Ltd, as a body, in accordance with the terms of our engagement letter dated 25th May 2018 Our work has been undertaken solely to prepare for your approval the accounts of Caliber Financial Management Ltd and state those matters that we have agreed to state to the Board of Directors of Caliber Financial Management Ltd, as a body, in this report in accordance with the requirements of the Association of Chartered Certified Accountants as detailed at http://www.accaglobal.com/factsheet163. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Caliber Financial Management Ltd and its Board of Directors as a body for our work or for this report. It is your duty to ensure that Caliber Financial Management Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of Caliber Financial Management Ltd. You consider that Caliber Financial Management Ltd is exempt from the statutory audit requirement for the year We have not been instructed to carry out an audit or a review of the accounts of Caliber Financial Management Ltd. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts 31 March 2025 .................................................... Baranov Associates Ltd 4 Academy Close Kirkby Stephen Cumbria CA17 4JG 02 September 2025 1

Caliber Financial Management Ltd
Accountants' Report
For the year ended 31 March 2025

Report to the directors on the preparation of the unaudited statutory accounts of Caliber Financial Management Ltd for the year ended 31 March 2025
In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Caliber Financial Management Ltd for the year ended 31 March 2025 which comprise of the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the companys accounting records and from information and explanations you have given us
As a practising member firm of the Association of Chartered Certified Accountants, we are subject to its ethical and other professional requirements which are detailed at
http://rulebook.accaglobal.com/
This report is made solely to the Board of Directors of Caliber Financial Management Ltd, as a body, in accordance with the terms of our engagement letter dated 25th May 2018 Our work has been undertaken solely to prepare for your approval the accounts of Caliber Financial Management Ltd and state those matters that we have agreed to state to the Board of Directors of Caliber Financial Management Ltd, as a body, in this report in accordance with the requirements of the Association of Chartered Certified Accountants as detailed at http://www.accaglobal.com/factsheet163. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Caliber Financial Management Ltd and its Board of Directors as a body for our work or for this report.
It is your duty to ensure that Caliber Financial Management Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of Caliber Financial Management Ltd. You consider that Caliber Financial Management Ltd is exempt from the statutory audit requirement for the year
We have not been instructed to carry out an audit or a review of the accounts of Caliber Financial Management Ltd. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts
31 March 2025

....................................................

Baranov Associates Ltd
4 Academy Close
Kirkby Stephen
Cumbria
CA17 4JG
02 September 2025

Caliber Financial Management Ltd
Statement of Financial Position
As at 31 March 2025

	Notes	2025 £	2024 £
Fixed assets
Tangible fixed assets	3	13,988	0
		13,988	0
Current assets
Debtors: amounts falling due within one year		495,416	217,570
Cash at bank and in hand		622,024	717,980
		1,117,440	935,550
Creditors: amount falling due within one year		(241,890)	(184,845)
Net current assets		875,550	750,705

Total assets less current liabilities		889,538	750,705
Provisions for liabilities		(2,658)	0
Net assets		886,880	750,705

Capital and reserves
Called up share capital	4	990	990
Capital Redemption Reserve		942	942
Profit and loss account		884,948	748,773
Shareholders' funds		886,880	750,705

For the year ended 31 March 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476.
The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts.

These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

The members have agreed to the preparation of abridged accounts for this accounting period in accordance with section 444(2A).

The financial statements were approved by the board of directors on 02 September 2025 and were signed on its behalf by:

-------------------------------
Patrick McAneney
Director

Caliber Financial Management Ltd
Notes to the Abridged Financial Statements
For the year ended 31 March 2025

General Information

Caliber Financial Management Ltd is a private company, limited by shares, registered in , registration number 06298180, registration address 5 Doolittle Yard, Froghall Road, Ampthill, Bedfordshire, MK45 2NW.

The presentation currency is £ sterling.

Accounting policies

Significant accounting policies

Statement of compliance

These financial statements have been prepared in compliance with FRS 102 – The Financial Reporting Standard applicable in the UK and Republic of Ireland and the Companies Act 2006.

Basis of preparation

The financial statements have been prepared under the historical cost convention as modified by the revaluation of land and buildings and certain financial instruments measured at fair value in accordance with the accounting policies.

The financial statements are prepared in sterling which is the functional currency of the company.

Turnover

Turnover comprises the invoiced value of goods and services supplied by the company, net of Value Added Tax and trade discounts.

Operating lease rentals

Rentals payable under operating leases are charged against income on a straight line basis over the lease term.

Finance lease and hire purchase charges

The finance element of the rental payment is charged to the income statement on a straight line basis.

Taxation

Taxation represents the sum of tax currently payable and deferred tax. Tax is recognised in the statement of income, except to the extent that it relates to items recognised in other comprehensive income or directly in capital and reserves.
The company’s liability for current tax is calculated using the tax rates and laws that have been enacted or substantively enacted at the reporting date.
Current and deferred tax assets and liabilities are not discounted

Deferred taxation

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the reporting date.
Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the reporting date 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.
Current and deferred tax assets and liabilities are not discounted.

Dividends

Proposed dividends are only included as liabilities in the statement of financial position when their payment has been approved by the shareholders prior to the statement of financial position date.

Tangible fixed assets

Tangible fixed assets, other than freehold land, are stated at cost or valuation less depreciation and any provision for impairment. Depreciation is provided at rates calculated to write off the cost or valuation of fixed assets, less their estimated residual value, over their expected useful lives on the following basis:

Land and Buildings	20% Straight Line
Fixtures and Fittings	25% Straight Line
Computer Equipment	33% Straight Line

Assets on finance lease and hire purchase

Assets held under finance lease or hire purchase contracts i.e. those contracts where substantially all the risks and rewards of ownership have passed to the company, are included in the appropriate category of tangible fixed assets and depreciated over the shorter of the lease term and their estimated expected useful lives.
Future obligations under such contracts are included in creditors net of the finance charge allocated to future periods.

Provisions

Provisions are recognised when the company has a present obligation as a result of a past event which it is more probable than not will result in an outflow of economic benefits that can be reasonably estimated.

2.	Average number of employees Average number of employees during the year was 15 (2024 : 14).

Tangible fixed assets

Cost or valuation	Fixtures and Fittings	Computer Equipment	Land and Buildings	Total
	£	£	£	£
At 01 April 2024	-	11,896	43,142	55,038
Additions	12,587	6,822	-	19,409
Disposals	-	-	(43,142)	(43,142)
At 31 March 2025	12,587	18,718	-	31,305
Depreciation
At 01 April 2024	-	11,896	43,142	55,038
Charge for year	3,147	2,274	-	5,421
On disposals	-	-	(43,142)	(43,142)
At 31 March 2025	3,147	14,170	-	17,317
Net book values
Closing balance as at 31 March 2025	9,440	4,548	-	13,988
Opening balance as at 01 April 2024	-	-	-	-

Share Capital

Allotted, called up and fully paid	2025 £	2024 £
900 Ordinary shares of £1.00 each	900	900
112 B Ordinary shares of £1.00 each	112	112
820 C Ordinary shares of £1.00 each	820	820
100 Ordinary E shares of £1.00 each	100	100
	1,932	1,932

Advances and Credits

P McAneney
The company made advances to the Director during the year, these amounts had no fixed date for repayment and the advances were subject to interest at the beneficial loan rate applicable. The loan was repaid in full on 1st September 2025.

Mrs L McAneney
The company made advances to the Shareholder during the year, these amounts had no fixed date for repayment and the advances were subject to interest at the beneficial loan rate applicable. The loan was repaid in full on 1st September 2025.

Current year (2025)

	Amount £	Interest £	Carry Forward £
P McAneney	30,337	449	30,786
Mrs L McAneney	30,533	454	30,987
	60870	903	61773

Previous year (2024)

	Brought Forward £		Amount £		Interest £		Repaid £		Written Off £		Waived £		Carry Forward £
P McAneney	0		0		0		0		0		0		0
Mrs L McAneney	0		0		0		0		0		0		0
	0		0		0		0		0		0		0

Related parties

During the year the company entered into the following transactions with related parties:

	Transaction value - income/(expenses)				Balance owed by/(owed to)
	2025 £		2024 £		2025 £		2024 £
Caliber Financial Associates Limited	1,747,356		1,550,112		384,928		145,230

During the year the company's registration with the Financial Conduct Authority was regulated by Caliber Financial Associates Limited. Accordingly, commission and fee income was generated through that company. P McAneney is a Director and shareholder in both companies. G Lister-Thorn is a Director and shareholder of Caliber Financial Management Limited and a shareholder in Caliber Financial Associates Limited.

Registered Number: 06298180

CALIBER FINANCIAL MANAGEMENT LTD

Abridged Accounts

Period of accounts Start date: 01 April 2024 End date: 31 March 2025