Investing From Adversity Limited

	Page
Balance Sheet	1—2
Notes to the Financial Statements	3—5

Registered number: 08850037

		2024		2023
	Notes	£	£	£	£
FIXED ASSETS
Tangible Assets	4		2,268,953		2,124,556

			2,268,953		2,124,556
CURRENT ASSETS
Debtors	5	23,448		5,986
Cash at bank and in hand		49,728		230,640

		73,176		236,626
Creditors: Amounts Falling Due Within One Year	6	(20,447 )		(18,427 )

NET CURRENT ASSETS (LIABILITIES)			52,729		218,199

TOTAL ASSETS LESS CURRENT LIABILITIES			2,321,682		2,342,755

Creditors: Amounts Falling Due After More Than One Year	7		(1,672,796 )		(1,702,661 )

PROVISIONS FOR LIABILITIES
Deferred Taxation			(531 )		(276 )

NET ASSETS			648,355		639,818

CAPITAL AND RESERVES
Called up share capital	8		400		400
Revaluation reserve	9		644,165		644,165
Profit and Loss Account			3,790		(4,747 )

SHAREHOLDERS' FUNDS			648,355		639,818

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Investing From Adversity Limited

Balance Sheet (continued)

As At 31 December 2024

For the year ending 31 December 2024 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Act 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 company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.

On behalf of the board

Mr Steven Coles Director	Mrs Julie Coles Director	Miss Rebecca Ansell Director
22nd August 2025

The notes on pages 3 to 5 form part of these financial statements.

1. General Information

Investing From Adversity Limited is a private company, limited by shares, incorporated in England & Wales, registered number 08850037 . The registered office is Priory Place Priory Road, Tiptree, Colchester, CO5 0QE.

2. Accounting Policies

2.1. Basis of Preparation of Financial Statements

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

2.2. Turnover

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

2.3. Tangible Fixed Assets and Depreciation

Tangible fixed assets are stated at cost less depreciation. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Freehold	NIL
Plant & Machinery	20% Reducing Balance
Fixtures & Fittings	20% Reducing Balance
Computer Equipment	20% Reducing Balance

2.4. Taxation

The charge for taxation takes into account taxation deferred as a result of timing differences between the treatment of certain items for taxation and accounting purposes. In general, deferred taxation is recognised in respect of timing differences that have originated but not reversed at the balance sheet date. However, deferred tax assets are recognised only to the extent that the directors consider that it is more likely than not that there will be suitable taxable profits from which the future reversal of the underlying timing differences can be deducted. Deferred taxation is measured on a non-discounted basis at the tax rates that are expected to apply in periods in which the timing differences reverse, based on tax rates and the law enacted or substantively enacted at the balance sheet date.

2.5. Registrar Filing Requirements

The company has taken advantage of Companies Act 2006 section 444(1) and opted not to file the profit and loss account, directors report, and notes to the financial statements relating to the profit and loss account.

3. Average Number of Employees

Average number of employees, including directors, during the year was: 3 (2023: 3)

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Investing From Adversity Limited

Notes to the Financial Statements (continued)

For The Year Ended 31 December 2024

4. Tangible Assets

	Land & Property
	Freehold	Plant & Machinery	Fixtures & Fittings	Computer Equipment	Total
	£	£	£	£	£
Cost
As at 1 January 2024	2,120,000	2,949	3,446	6,388	2,132,783
Additions	143,591	-	-	2,684	146,275
Disposals	-	-	-	(1,049 )	(1,049 )

As at 31 December 2024	2,263,591	2,949	3,446	8,023	2,278,009

Depreciation
As at 1 January 2024	-	2,095	2,940	3,192	8,227
Provided during the period	-	171	101	1,069	1,341
Disposals	-	-	-	(512 )	(512 )

As at 31 December 2024	-	2,266	3,041	3,749	9,056

Net Book Value
As at 31 December 2024	2,263,591	683	405	4,274	2,268,953

As at 1 January 2024	2,120,000	854	506	3,196	2,124,556

5. Debtors

	2024	2023
	£	£
Due within one year
Prepayments and accrued income	1,972	1,109
Other debtors - Deposit scheme	11,478	8,534
IFA Hub Ltd Loan Account	-	(3,657 )
Directors' loan accounts	9,998	-

	23,448	5,986

6. Creditors: Amounts Falling Due Within One Year

	2024	2023
	£	£
Trade creditors	250	468
Bank loans and overdrafts	4,600	4,600
Corporation tax	1,948	-
Tax & NIC Liability	-	61

...CONTINUED

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Investing From Adversity Limited

Notes to the Financial Statements (continued)

For The Year Ended 31 December 2024

Other creditors - Deposit scheme	11,478	8,534
Accruals and deferred income	1,128	1,020
Directors' loan accounts	1,043	3,744

	20,447	18,427

7. Creditors: Amounts Falling Due After More Than One Year

	2024	2023
	£	£
Bank Loans (Long term liabilities - creditors > 1 year)	1,024,494	1,029,094
Amounts owed to related parties	648,302	673,567

	1,672,796	1,702,661

8. Share Capital

	2024	2023
	£	£
Allotted, Called up and fully paid	400	400

	2024	2023
Allotted, called up and fully paid	£	£
300 Ordinary A shares of £ 1.00 each	300	300
100 Ordinary B shares of £ 1.00 each	100	100

	400	400

9. Reserves

	Revaluation Reserve
	£
As at 1 January 2024	644,165

As at 31 December 2024	644,165

10. Ultimate Controlling Party

The company's ultimate controlling party is Miss R Coles and Mrs J Coles by virtue of their ownership of 100% of the issued share capital in the company.