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Registered number: 12098668










COLNAGHI HOLDING LTD










ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2024

 
COLNAGHI HOLDING LTD
 
 
COMPANY INFORMATION


Directors
J Coll Canellas 
G Richardson 
C Corvi 




Registered number
12098668



Registered office
26 Bury Street

London

SW1Y 6AL




Independent auditors
Sumer Auditco Limited
Chartered Accountants & Statutory Auditors

14th Floor

33 Cavendish Square

London

W1G 0PW





 
COLNAGHI HOLDING LTD
 

CONTENTS



Page
Group Strategic Report
1 - 2
Directors' Report
3 - 4
Independent Auditors' Report
5 - 8
Consolidated Statement of Comprehensive Income
9
Consolidated Balance Sheet
10 - 11
Company Balance Sheet
12
Consolidated Statement of Changes in Equity
13
Company Statement of Changes in Equity
14
Consolidated Statement of Cash Flows
15 - 16
Consolidated Analysis of Net Debt
17
Notes to the Financial Statements
18 - 44


 
COLNAGHI HOLDING LTD
 
 
GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

Introduction
 
The directors present the strategic report for the group together with the audited financial statements for the year ended 31 December 2024.

Business review
 
At Colnaghi, our mission is to connect discerning collectors and world-class institutions with exceptional old masters and works on paper through public exhibitions, private sales, and digital platforms. With a global presence and a commitment to honesty, trust, and integrity, we uphold centuries of gallery expertise as the world’s reference destination for old masters. We strive to blend our strong foundations with modern practices and technology to enhance the client experience, and acknowledge our corporate social responsibility to heritage by ensuring the preservation and appreciation of important historical works of art. Colnaghi's insurance brokerage had a slow start but it's steadily growing.  
In 2024 the Group had a turnover of £31.7 million (2023: £27.5 million) with a gross profit of £8.9 million (2023: £4.8 million) and a net profit of £3.6 million (2023: net loss of £0.9 million).
Regarding its core activity as an art dealer, there was significant growth compared to 2023 both in terms of turnover, and in terms of profit margin. Operating expenses increased slightly due mostly to inflation.

Principal risks and uncertainties
 
Revenue streams are diversified across multiple currencies, exposing the Company to fluctuations in exchange rates. Recognising the significance of the exposure, the Company took proactive measures to mitigate the FX risk by matching inflows and outflows wherever possible. 
Market volatility and economic risks has always been a risk due to shifts in the art market affecting as well as the luxury and exclusive nature of the business. The Company maintains strong relationships with clients who are less affected.
Operational risk in the form of staffing and logistical failures are mitigated by continuous staff training, contingency planning, and robust IT systems.
Liquidity risk due to high value inventory that is slower to sell, but established credit lines and a rolling cash flow forecast help to mitigate this risk.
Future developments
The first profitable year marks a pivotal moment in the Company’s journey. With a solid foundation, clear strategic direction, and a committed team, the Company is poised to accelerate growth and deepen its market impact.
In January 2025, the Group incorporated Colnaghi Belgium BV, a 100% subsidiary undertaking registered in Belgium, recognising an art gallery in Belgium further expanding our global presence. 
2025 is forecast to be another profitable year as we have already achieved some good income prospects.


 

Page 1

 
COLNAGHI HOLDING LTD
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Financial key performance indicators
 
2024
2023
Variance
Turnover


£31,746,107

£27,523,565
 
+15.3%
 
Gross profit


£8,855,963

£4,831,553
 
+83.3%
 
Gross profit margin


27.9%

17.6%
 
+17.3%
 

Other key performance indicators
 
The group companies that are involved in the sale of art work also has the following non-financial key performance indicators:
Returning customers
While we do not track this as a numeric KPI, the frequency and depth of repeat engagement from casual return visits to long-term patron relationships reflects the gallery’s success in fostering cultural loyalty and emotional connection with its audiences.
Exhibition attendance
While we do not rely solely on quantitative attendance figures to assess the success of our exhibitions, the gallery views public participation as a reflection of our evolving relationship with the community and the relevance of the themes we present.
Each exhibition is curated with intentionality. Attendance patterns, including media coverage, and community responses, provide meaningful insights into how our programming resonates with diverse audiences.


This report was approved by the board and signed on its behalf.





J Coll Canellas
Director

Date: 30 September 2025

Page 2

 
COLNAGHI HOLDING LTD
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

The Directors present their report and the financial statements for the year ended 31 December 2024.

Directors' responsibilities statement

The Directors are responsible for preparing the Group Strategic Report, the Directors' Report and the consolidated financial statements in accordance with applicable law and regulations.
 
Company law requires the Directors to prepare financial statements for each financial year. Under that law the Directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the Directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and the Group and of the profit or loss of the Group for that period.

 In preparing these financial statements, the Directors are required to:


select suitable accounting policies for the Group's financial statements and then apply them consistently;

make judgements and accounting estimates that are reasonable and prudent;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Group will continue in business.

The Directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and the Group and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and the Group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Principal activity

The principal activity of the Company in the period under review was that of a management and holding company. The Group's principal activity in the same period was that of the sale of artwork and the ownership of the Colnaghi art library and archive. 
A subsidiary undertaking of the Group acts as an insurance broker and also as an introducer for insurance brokers. The subsidiary is FCA registered.

Results and dividends

The profit for the year, after taxation and minority interests, amounted to £3,624,748 (2023 - loss £911,603).

No dividend was paid by the Group during the year and in the prior year.

Directors

The Directors who served during the year were:

J Coll Canellas 
E Luerti (resigned 21 June 2024)
G Richardson 
C Corvi (appointed 21 June 2024)

Page 3

 
COLNAGHI HOLDING LTD
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Matters covered in the Group Strategic Report

Management's review of developments and future prospects and principal risks and uncertainties are included in the Strategic Report.

Disclosure of information to auditors

Each of the persons who are Directors at the time when this Directors' Report is approved has confirmed that:
 
so far as the Director is aware, there is no relevant audit information of which the Company and the Group's auditors are unaware, and

the Director has taken all the steps that ought to have been taken as a Director in order to be aware of any relevant audit information and to establish that the Company and the Group's auditors are aware of that information.

Auditors

The auditorsSumer Auditco Limitedwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board and signed on its behalf.
 






J Coll Canellas
Director

Date: 30 September 2025

Page 4

 
COLNAGHI HOLDING LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF COLNAGHI HOLDING LTD
 

Opinion


We have audited the financial statements of Colnaghi Holding Ltd (the 'parent Company') and its subsidiaries (the 'Group') for the year ended 31 December 2024, which comprise the Consolidated Statement of Comprehensive Income, the Consolidated Balance Sheet, the Company Balance Sheet, the Consolidated Statement of Cash Flows, the Consolidated Statement of Changes in Equity, the Company Statement of Changes in Equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the Group's and of the parent Company's affairs as at 31 December 2024 and of the Group's profit for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.


Basis for opinion


We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the Group in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group's or the parent Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the Directors with respect to going concern are described in the relevant sections of this report.


Page 5

 
COLNAGHI HOLDING LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF COLNAGHI HOLDING LTD (CONTINUED)


Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' Report thereon. The Directors are responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.


We have nothing to report in this regard.


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:


the information given in the Group Strategic Report and the Directors' Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Group Strategic Report and the Directors' Report have been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception
 

In the light of the knowledge and understanding of the Group and the parent Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Group Strategic Report or the Directors' Report.


We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:


adequate accounting records have not been kept by the parent Company, or returns adequate for our audit have not been received from branches not visited by us; or
the parent Company financial statements are not in agreement with the accounting records and returns; or
certain disclosures of Directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Responsibilities of directors
 

As explained more fully in the Directors' Responsibilities Statement set out on page 3, the Directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the Directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.


In preparing the financial statements, the Directors are responsible for assessing the Group's and the parent Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the Directors either intend to liquidate the Group or the parent Company or to cease operations, or have no realistic alternative but to do so.


Page 6

 
COLNAGHI HOLDING LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF COLNAGHI HOLDING LTD (CONTINUED)


Auditors' responsibilities for the audit of the financial statements
 

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an Auditors' Report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these Group financial statements.


Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

In order to identify and assess the risks of material misstatements, including fraud and non-compliance with laws and regulations that could be expected to have a material impact on the financial statements, we have considered:
•        the results of our enquiries of management and those charged with governance of their assessment of the
         risks of fraud and irregularities;
•        the nature of the Group, including its management structure and control systems (including the 
         opportunity for management to override such controls);
•        management’s incentives and opportunities for fraudulent manipulation of the financial statements
         including the Group’s remuneration and bonus policies and performance targets; and
•        the industry and environment in which it operates.
We also considered UK tax and pension legislation and laws and regulations relating to employment and the preparation and presentation of the financial statements such as the Companies Act 2006.
Based on this understanding we identified the following matters as being of significance to the entity:
•        laws and regulations considered to have a direct effect on the financial statements including UK financial
         reporting standards, Company Law, tax and pension legislation, distributable profits legislation, and
         Financial Conduct Authority ("FCA") rules;
•        the timing of the recognition of commercial income;
•        management bias in selecting accounting policies and determining estimates;
•        recoverability of debtors; and
•        the requirement to impair its stocks and the amount of any such impairment.
We communicated the outcomes of these discussions and enquiries, as well as consideration as to where and how fraud may occur in the entity, to all engagement team members.
Audit procedures undertaken in response to the potential risks relating to irregularities (which include fraud and non-compliance with laws and regulations) comprised:
•       enquiries of management and those charged with governance as to whether the entity complies with such
         laws and regulations;
•       enquiries with the same concerning any actual or potential litigation or claims;
•       discussion with the same regarding any known or suspected instances of non-compliance with laws and
        regulation and fraud;
•       assessment of matters reported to management and the result of the subsequent investigation;
•       obtaining an understanding of the relevant controls during the year;
•       obtaining an understanding of the policies and controls over the recognition of income and testing their
        implementation during the year;
•       review documentation relating to compliance with the regulations relating to health and safety including
 
Page 7

 
COLNAGHI HOLDING LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF COLNAGHI HOLDING LTD (CONTINUED)


        health and safety certificates; and fire assessment reports;  and the correspondence with the Financial
        Conduct Authority ("FCA");
•       challenging assumptions made by management in their specific accounting policies and estimates, in
        particular the valuation of intangible assets and heritage assets; and the carrying value of stock;
•       identifying and testing journal entries, in particular any journal entries posted with unusual account
        combinations or crediting revenue;
•       assessing the recovery of debtors in the year since the balance sheet date and challenging assumptions
        made by management regarding the recovery of balances which remain outstanding;
•       reviewing the financial statements for compliance with the relevant disclosure requirements;
•       performing analytical procedures to identify any unusual or unexpected relationships or unexpected
        movements in account balances which may be indicative of fraud;
•       reviewing the correspondence with HMRC; and
•       evaluating the underlying business reasons for any unusual transactions.
No instances of material non-compliance were identified. However, the likelihood of detecting irregularities, including fraud, is limited by the inherent difficulty in detecting irregularities, the effectiveness of the entity’s controls, and the nature, timing and extent of the audit procedures performed. Irregularities that result from fraud might be inherently more difficult to detect than irregularities that result from error. As explained above, there is an unavoidable risk that material misstatements may not be detected, even though the audit has been planned and performed in accordance with ISAs (UK).


A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditors' Report.


Use of our report
 

This report is made solely to the Company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an Auditors' Report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members, as a body, for our audit work, for this report, or for the opinions we have formed.







Shilen Manek FCA FCCA (Senior Statutory Auditor)
  
for and on behalf of
Sumer Auditco Limited
 
Chartered Accountants
Statutory Auditors
  
14th Floor
33 Cavendish Square
London
W1G 0PW

30 September 2025
Page 8

 
COLNAGHI HOLDING LTD
 
 
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
Note
£
£

  

Turnover
 4 
31,746,107
27,523,565

Cost of sales
  
(22,890,144)
(22,692,012)

Gross profit
  
8,855,963
4,831,553

Administrative expenses
  
(4,652,364)
(4,485,167)

Operating profit
 5 
4,203,599
346,386

Interest receivable and similar income
 9 
13,268
8,126

Interest payable and similar expenses
 10 
(1,033,187)
(1,242,134)

Profit/(loss) before taxation
  
3,183,680
(887,622)

Tax on profit/(loss)
 11 
400,349
(15,392)

Profit/(loss) for the financial year
  
3,584,029
(903,014)

  

Foreign exchange differences
  
(6,367)
21,897

Other comprehensive income for the year
  
(6,367)
21,897

Total comprehensive income/(loss) for the year
  
3,577,662
(881,117)

Profit/(loss) for the year attributable to:
  

Non-controlling interests
  
(40,719)
8,589

Owners of the parent Company
  
3,624,748
(911,603)

  
3,584,029
(903,014)

Total comprehensive income/(loss) for the year attributable to:
  

Non-controlling interest
  
(40,719)
8,589

Owners of the parent Company
  
3,618,381
(889,706)

  
3,577,662
(881,117)

The notes on pages 18 to 44 form part of these financial statements.

Page 9

 
COLNAGHI HOLDING LTD
REGISTERED NUMBER: 12098668

CONSOLIDATED BALANCE SHEET
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Intangible assets
 12 
2,844,497
3,422,466

Tangible assets
 13 
2,045,256
2,147,034

Investments
 14 
13
1

  
4,889,766
5,569,501

Current assets
  

Stocks
 15 
10,040,115
10,202,656

Debtors: amounts falling due within one year
 16 
12,932,718
1,267,853

Cash at bank and in hand
 17 
1,061,186
2,045,536

  
24,034,019
13,516,045

Creditors: amounts falling due within one year
 18 
(13,506,885)
(2,756,358)

Net current assets
  
 
 
10,527,134
 
 
10,759,687

Total assets less current liabilities
  
15,416,900
16,329,188

Creditors: amounts falling due after more than one year
 19 
(11,317,495)
(15,780,402)

Provisions for liabilities
  

Deferred taxation
 21 
-
(27,237)

  
 
 
-
 
 
(27,237)

Net assets
  
4,099,405
521,549


Capital and reserves
  

Called up share capital 
 22 
7,000,194
7,000,000

Foreign exchange reserve
 23 
49,965
56,332

Profit and loss account
 23 
(2,921,599)
(6,546,347)

Equity attributable to owners of the parent Company
  
4,128,560
509,985

Non-controlling interests
  
(29,155)
11,564

  
4,099,405
521,549


Page 10

 
COLNAGHI HOLDING LTD
REGISTERED NUMBER: 12098668
    
CONSOLIDATED BALANCE SHEET (CONTINUED)
AS AT 31 DECEMBER 2024

The financial statements were approved and authorised for issue by the board and were signed on its behalf on 30 September 2025.




J Coll Canellas
Director

The notes on pages 18 to 44 form part of these financial statements.

Page 11

 
COLNAGHI HOLDING LTD
REGISTERED NUMBER: 12098668

COMPANY BALANCE SHEET
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Intangible assets
 12 
2,599,185
3,127,260

Tangible assets
 13 
-
965

Investments
 14 
4,574,803
4,529,803

  
7,173,988
7,658,028

Current assets
  

Debtors: amounts falling due within one year
 16 
3,931,110
9,547,833

Cash at bank and in hand
 17 
8,425
288

  
3,939,535
9,548,121

Creditors: amounts falling due within one year
 18 
(147,444)
(302,983)

Net current assets
  
 
 
3,792,091
 
 
9,245,138

Total assets less current liabilities
  
10,966,079
16,903,166

  

Creditors: amounts falling due after more than one year
 19 
(11,317,495)
(15,780,402)

  

Net (liabilities)/assets
  
(351,416)
1,122,764


Capital and reserves
  

Called up share capital 
 22 
7,000,194
7,000,000

Profit and loss account
 23 
(7,351,610)
(5,877,236)

  
(351,416)
1,122,764


The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own profit and loss account in these financial statements. The loss after tax of the parent company for the period was £1,474,374 (2023: £1,177,819).
The financial statements were approved and authorised for issue by the board and were signed on its behalf on 30 September 2025.



J Coll Canellas
Director

The notes on pages 18 to 44 form part of these financial statements.

Page 12
 

 
COLNAGHI HOLDING LTD


 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024



Called up share capital
Foreign exchange reserve
Profit and loss account
Equity attributable to owners of parent Company
Non-controlling interests
Total equity


£
£
£
£
£
£



At 1 January 2023
7,000,000
34,435
(5,634,744)
1,399,691
42,975
1,442,666



Comprehensive loss for the year


Profit/(loss) for the year
-
-
(911,603)
(911,603)
8,589
(903,014)


Movement on foreign exchange differences for the year
-
21,897
-
21,897
-
21,897



Contributions by and distributions to owners


Dividends paid
-
-
-
-
(40,000)
(40,000)





At 1 January 2024
7,000,000
56,332
(6,546,347)
509,985
11,564
521,549



Comprehensive loss for the year


Profit/(loss) for the year
-
-
3,624,748
3,624,748
(40,719)
3,584,029


Movement on foreign exchange differences for the year
-
(6,367)
-
(6,367)
-
(6,367)



Contributions by and distributions to owners


Shares issued during the year
194
-
-
194
-
194



At 31 December 2024
7,000,194
49,965
(2,921,599)
4,128,560
(29,155)
4,099,405



The notes on pages 18 to 44 form part of these financial statements.

Page 13
 
COLNAGHI HOLDING LTD
 

COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Profit and loss account
Total equity

£
£
£


At 1 January 2023
7,000,000
(4,699,417)
2,300,583


Comprehensive loss for the year

Loss for the year
-
(1,177,819)
(1,177,819)



At 1 January 2024
7,000,000
(5,877,236)
1,122,764


Comprehensive loss for the year

Loss for the year
-
(1,474,374)
(1,474,374)


Contributions by and distributions to owners

Shares issued during the year
194
-
194


At 31 December 2024
7,000,194
(7,351,610)
(351,416)


The notes on pages 18 to 44 form part of these financial statements.

Page 14

 
COLNAGHI HOLDING LTD
 

CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
£
£

Cash flows from operating activities

Profit/(loss) for the financial year
3,584,029
(903,014)

Adjustments for:

Amortisation of intangible assets
577,969
577,970

Depreciation of tangible assets
120,476
111,834

Loss on disposal of tangible assets
754
825

Share based payment
-
778

Interest payable
1,033,187
1,242,134

Interest receivable
(13,268)
(8,126)

Taxation (credits)/charge
(400,349)
15,392

Decrease/(increase) in stocks
162,541
(67,772)

(Increase)/decrease in debtors
(11,239,267)
2,376,323

Increase/(decrease) in creditors
10,723,765
(2,437,949)

Corporation tax (paid)
(23,626)
(27,553)

Foreign exchange
82,195
95,143

Net cash generated from operating activities

4,608,406
975,985


Cash flows from investing activities

Purchase of tangible fixed assets
(19,423)
(32,701)

Sale of tangible fixed assets
-
705

Purchase of investments
(12)
-

Interest received
13,268
8,126

Net cash from investing activities

(6,167)
(23,870)

Cash flows from financing activities

Issue of ordinary shares
194
-

New secured loans
-
6,800,000

Repayment of loans
-
(6,954,960)

Repayment of other loans
(5,049,770)
(461,037)

Interest paid
(446,324)
(344,965)

Dividends paid to non-controlling interests
-
(40,000)

Net cash used in financing activities
(5,495,900)
(1,000,962)

Net (decrease) in cash and cash equivalents
(893,661)
(48,847)

Cash and cash equivalents at beginning of year
2,043,438
2,152,530

Foreign exchange losses
(88,591)
(60,245)
Page 15

 
COLNAGHI HOLDING LTD
 

CONSOLIDATED STATEMENT OF CASH FLOWS (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024


2024
2023

£
£


Cash and cash equivalents at the end of year
1,061,186
2,043,438


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
1,061,186
2,045,536

Bank overdrafts
-
(2,098)

1,061,186
2,043,438


The notes on pages 18 to 44 form part of these financial statements.

Page 16

 
COLNAGHI HOLDING LTD
 

CONSOLIDATED ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 31 DECEMBER 2024





At 1 January 2024
Cash flows
Other non-cash changes
At 31 December 2024
£

£

£

£

Cash at bank and in hand

2,045,536

(895,759)

(88,591)

1,061,186

Bank overdrafts

(2,098)

2,098

-

-

Debt due after 1 year

(15,780,402)

5,494,000

(1,031,093)

(11,317,495)


(13,736,964)
4,600,339
(1,119,684)
(10,256,309)

The notes on pages 18 to 44 form part of these financial statements.

Page 17

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.


General information

Colnaghi Holding Ltd is a private company limited by shares, and is incorporated in England and Wales. The address of its registered office is 26 Bury Street, London, England, SW1Y 6AL.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires Group management to exercise judgement in applying the Group's accounting policies (see note 3).

The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own Statement of Comprehensive Income in these financial statements.

The following principal accounting policies have been applied:

 
2.2

Basis of consolidation

The consolidated financial statements present the results of the Company and its own subsidiaries ("the Group") as if they form a single entity. Intercompany transactions and balances between group companies are therefore eliminated in full.
The consolidated financial statements incorporate the results of business combinations using the purchase method. In the Balance Sheet, the acquiree's identifiable assets, liabilities and contingent liabilities are initially recognised at their fair values at the acquisition date. The results of acquired operations are included in the Consolidated Statement of Comprehensive Income from the date on which control is obtained. They are deconsolidated from the date control ceases.
In preparing the separate financial statements of the parent company, advantage has been taken of the disclosure exemptions available in FRS 102 whereby no Statement of Cash Flows has been presented for the parent company.

 
2.3

Going concern

The parent's financial statements have been prepared on a going concern basis on the assumption that continued financial support will be forthcoming from the shareholders for at least twelve months from the approval of these financial statements.

Page 18

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.4

Foreign currency translation

The Group's presentational currency is GBP. The functional currency of group undertakings in the United Kingdom is GBP while the functional currency of group companies in the USA, Spain and France are USD and Euro (for Spain and France) respectively.
The parent company's presentational currency and functional currency are GBP.
Foreign currency transactions are translated into the functional currency using the spot exchange rates at the dates of the transactions.
At each period end foreign currency monetary items are translated using the closing rate. Non-monetary items measured at historical cost are translated using the exchange rate at the date of the transaction and non-monetary items measured at fair value are measured using the exchange rate when fair value was determined.
Foreign exchange gains and losses resulting from the settlement of transactions and from the translation at period-end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in profit or loss.
Foreign exchange gains and losses that relate to borrowings and cash and cash equivalents are presented in the Consolidated Statement of Comprehensive Income within 'finance income or costs'. All other foreign exchange gains and losses are presented in profit or loss within 'other operating income'.
On consolidation, the results of overseas operations are translated into Sterling at rates approximating to those ruling when the transactions took place. All assets and liabilities of overseas operations are translated at the rate ruling at the reporting date. Exchange differences arising on translating the opening net assets at opening rate and the results of overseas operations at actual rate are recognised in other comprehensive income.

 
2.5

Revenue

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Group and the revenue can be reliably measured. Revenue is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.
Sale of artwork on a consignment basis
The Group acts as a principal over the sale of artwork on a consignment basis. Sale on such basis is recognised when a final agreement has been made between both the Group and the buyer of the item. The sale agreement or invoice date would be the recognition point of sales.
Sale of artwork as inventory
Revenue generated from the sale of artwork from the inventory owned by the Group is recognised when the significant risks and rewards of ownership have been transferred to the customer. This is normally the sale agreement date.
Sale of artwork as an intermediary
The Group recognises a commission income on the sale of artwork as an intermediary upon a sale agreement has been made between both the seller and the buyer of the item.
 
Page 19

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)


2.5
Revenue (continued)

Insurance brokerage and introduction commission
Brokerage commission is recognised as revenue on the effective commencement or renewal dates of the related policies.
Introducer commission and other income is recognised to the extent that the company has obtained the right to consideration through its performance, this is typically when new business has placed or renewals have been negotiated.

 
2.6

Operating leases: the Group as lessee

Rentals paid under operating leases are charged to profit or loss on a straight-line basis over the lease term.

 
2.7

Interest income

Interest income is recognised in profit or loss using the effective interest method.

 
2.8

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

 
2.9

Borrowing costs

All borrowing costs are recognised in profit or loss in the year in which they are incurred.

 
2.10

Pensions

Defined contribution pension plan

The Group operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Group pays fixed contributions into a separate entity. Once the contributions have been paid the Group has no further payment obligations.

The contributions are recognised as an expense in profit or loss when they fall due. Amounts not paid are shown in accruals as a liability in the Balance Sheet. The assets of the plan are held separately from the Group in independently administered funds.

Page 20

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.11

Share-based payments

Where share options are awarded to employees, the fair value of the options at the date of grant is charged to profit or loss over the vesting period. Non-market vesting conditions are taken into account by adjusting the number of equity instruments expected to vest at each balance sheet date so that, ultimately, the cumulative amount recognised over the vesting period is based on the number of options that eventually vest. Market vesting conditions are factored into the fair value of the options granted. The cumulative expense is not adjusted for failure to achieve a market vesting condition.
The fair value of the award also takes into account non-vesting conditions. These are either factors beyond the control of either party (such as a target based on an index) or factors which are within the control of one or other of the parties (such as the Group keeping the scheme open or the employee maintaining any contributions required by the scheme).
Where the terms and conditions of options are modified before they vest, the increase in the fair value of the options, measured immediately before and after the modification, is also charged to profit or loss over the remaining vesting period.

 
2.12

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the balance sheet date in the countries where the Company and the Group operate and generate income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the balance sheet date, except that:
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits; and
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the balance sheet date.


Page 21

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.13

Intangible assets

Goodwill

Goodwill represents the difference between amounts paid on the cost of a business combination and the acquirer’s interest in the fair value of the Group's share of its identifiable assets and liabilities of the acquiree at the date of acquisition. Subsequent to initial recognition, goodwill is measured at cost less accumulated amortisation and accumulated impairment losses. Goodwill is amortised on a straight-line basis to the Consolidated Statement of Comprehensive Income over its useful economic life.

Other intangible assets

Intangible assets are initially recognised at cost. After recognition, under the cost model, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

All intangible assets are considered to have a finite useful life. If a reliable estimate of the useful life cannot be made, the useful life shall not exceed ten years.

 
2.14

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives.

Depreciation is provided on the following basis:

Leasehold improvements
-
Over the term of the lease
Fixtures and fittings
-
25% reducing balance and 20% straight-line
Office equipment
-
20% straight-line
Computer equipment
-
33% straight-line

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.
Gains and losses on disposals are determined by comparing the proceeds with the carrying value and are recognised in profit or loss.
Heritage assets
Art library and archives are considered Heritage assets by management as such by virtue of their principal purpose of the contribution of art knowledge and culture to the public. These assets are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.
All heritage assets were acquired by a group company for a consideration. The assets are kept at
Page 22

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)


2.14
Tangible fixed assets (continued)

premises owned by its fellow group company and another owned by the National Trust with an adequate insurance policy in place to protect against damages to the assets. The archives are currently made available to the general public for their viewing. Management maintains a record of the library and archive items showing their descriptions and the periods they cover. 
On the basis of the above, management have adopted a prudent approach to the measurement of the assets' valuation, and consider an estimated useful life of 50 years is appropriate and they have estimated the depreciation charge on this basis.
At each reporting date management assesses whether there is any indication of impairment. Such assessment is based on the asset's ability to add value to the selling process of artwork items by the group companies.  If such indication exists, the carrying value of the asset is determined which is the higher of its fair value less costs to sell and its value in use. An impairment loss is recognised where the carrying value exceeds its recoverable value.

 
2.15

Valuation of investments

Investments in subsidiaries and other investments are measured at cost less accumulated impairment.

 
2.16

Stocks

Artwork inventory is stated at the lower of cost and net realisable value, being the estimated selling price less purchase costs and selling costs. Cost is based on the cost of purchase on an individual item basis.
At each balance sheet date, stocks are assessed for impairment. If stock is impaired, the carrying amount is reduced to its selling price less selling costs. The impairment loss is recognised immediately in profit or loss.

 
2.17

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

 
2.18

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours.
In the Consolidated Statement of Cash Flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the Group's cash management.
A group subsidiary holds monies on behalf of clients and insurance underwriters in client monies bank accounts. The monies held in these bank accounts and the balances due to clients and underwriters are netted off and excluded from these financial statements. The total amounts of monies held in these accounts by the subsidiary as at 31 December 2024 was £Nil (2023: £Nil). The subsidiary also nets off and excludes from these financial statements amounts due from customers which are directly due to underwriters at the balance sheet date.

Page 23

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.19

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

 
2.20

Holiday pay accrual

A liability is recognised to the extent of any unused holiday pay entitlement which is accrued at the balance sheet date and carried forward to future periods. This is measured at the undiscounted salary cost of the future holiday entitlement so accrued at the balance sheet date.

 
2.21

Financial instruments

The Group has elected to apply the provisions of Section 11 “Basic Financial Instruments” of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the Group's Balance Sheet when the Group becomes party to the contractual provisions of the instrument.

Basic financial assets

Basic financial assets, which include trade and other debtors, cash and bank balances, are initially measured at their transaction price (adjusted for transaction costs except in the initial measurement of financial assets that are subsequently measured at fair value through profit and loss) and are subsequently carried at their amortised cost using the effective interest method, less any provision for impairment, unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest.

Discounting is omitted where the effect of discounting is immaterial. The Group's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

Basic financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the Group after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans, other loans and loans due to fellow group companies are initially measured at their transaction price (adjusting for transaction costs except in the initial measurement of financial liabilities that are subsequently measured at fair value through profit and loss). When this constitutes a financing transaction, whereby the debt instrument is measured at the present value of the future payments discounted at a market rate of interest, discounting is omitted where the effect of discounting is immaterial.

Debt instruments are subsequently carried at their amortised cost using the effective interest rate method.

Trade creditors are obligations to pay for goods and services that have been acquired in the ordinary course of business from suppliers. Trade creditors are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities. Trade creditors are initially recognised at their transaction price and subsequently are measured at amortised cost using the
Page 24

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)


2.21
Financial instruments (continued)

effective interest method. Discounting is omitted where the effect of discounting is immaterial.

Derecognition of financial instruments

Derecognition of financial assets

Financial assets are derecognised when their contractual right to future cash flow expire, or are settled, or when the Group transfers the asset and substantially all the risks and rewards of ownership to another party. If significant risks and rewards of ownership are retained after the transfer to another party, then the Group will continue to recognise the value of the portion of the risks and rewards retained.

Derecognition of financial liabilities

Financial liabilities are derecognised when the Group's contractual obligations expire or are discharged or cancelled.


3.


Judgements in applying accounting policies and key sources of estimation uncertainty

Estimates and judgements are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.
The key estimates and assumptions that have a significant risk of causing material adjustments to the carrying value of assets and liabilities are goodwill and trademark, which has been assessed as per the note 2.13 above and the directors are of the opinion that the carrying value is recoverable.
The impairment of assets including stocks in the financial statements requires Management's estimation and judgements. The assessment process of stock valuation is described in the Stocks accounting policy in note 2.16.
The Group holds title to a short-term leasehold property, and also heritage assets being a library and archive of the history of artwork, the useful lives of which are a key estimate and assumption determined by management. Management's assessment of the carrying value of heritage assets is described in note 2.14 above. 

Page 25

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

4.


Turnover

An analysis of turnover by class of business is as follows:


2024
2023
£
£

Inventory
1,263,515
7,512,139

Consigned inventory
15,977,835
15,077,891

Art sales commission
13,593,762
4,367,812

Insurance introduction and brokerage commission
344,696
263,130

Other
566,299
302,593

31,746,107
27,523,565



Analysis of turnover by country of destination:

2024
2023
        £
        £

USA

2,053,281

8,060,738

Europe

16,974,269

16,809,034

United Kingdom

1,095,245

2,649,049

Rest of world

11,623,312

4,744


31,746,107

27,523,565



5.


Operating profit/(loss)

The operating profit is stated after charging:

2024
2023
£
£

Exchange differences
(257,440)
(588,072)

Other operating lease rentals
461,763
369,305

Tangible fixed assets - depreciation
60,631
51,989

Leasehold property - depreciation
59,845
59,845

Intangible fixed assets - amortisation and impairment
577,969
577,970

Page 26

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

6.


Auditors' remuneration

During the year, the Group obtained the following services from the Company's auditors:


2024
2023
£
£

Fees payable to the Company's auditors for the audit of the consolidated and parent Company's financial statements
21,500
18,250

Fees payable to the Company's auditors in respect of:

The auditing of accounts of subsidiaries of the Company
25,000
24,150

Taxation compliance services
5,800
6,250

All non-audit services not included above
14,500
10,300


7.


Employees

Staff costs, including Directors' remuneration, were as follows:


Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£


Wages and salaries
992,580
1,361,626
205,447
433,457

Social security costs
149,629
166,048
39,159
57,643

Cost of defined contribution scheme
49,061
46,700
27,500
27,500

1,191,270
1,574,374
272,106
518,600


The average monthly number of employees, including the Directors, during the year was as follows:



Group
Group
Company
Company
        2024
        2023
        2024
        2023
            No.
            No.
            No.
            No.









Directors
3
3
3
3



Administrative and support
12
8
-
-



Sales
4
5
-
-

19
16
3
3

Page 27

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

8.


Directors' remuneration

2024
2023
£
£

Directors' emoluments
190,831
425,657

Group contributions to defined contribution pension schemes
27,500
27,500

Directors compensation and 3rd party payments
137,500
-

355,831
453,157


During the year retirement benefits were accruing to 1 Director (2023 - 1) in respect of defined contribution pension schemes.

The highest paid Director received remuneration of £312,947 (2023 - £433,457).

The value of the Group's contributions paid to a defined contribution pension scheme in respect of the highest paid Director amounted to £27,500 (2023 - £27,500).

In the prior year, one director received shares under a long-term incentive scheme. The highest paid Director is the only member of such scheme and details of the options exercised and vested in the prior year can be seen in Note 24. 

The Group and the Company have no key management personnel other than the directors.


9.


Interest receivable

2024
2023
£
£


Other interest receivable
13,268
8,126

13,268
8,126


10.


Interest payable and similar expenses

2024
2023
£
£


Bank interest payable
666
344,923

Other loan interest payable
1,031,094
897,169

Other interest payable
1,427
42

1,033,187
1,242,134

Page 28

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

11.


Taxation


2024
2023
£
£

Corporation tax


Current tax on profits for the year
24,885
3,829


24,885
3,829

Foreign tax


Foreign tax on income for the year
33,297
2,056

33,297
2,056

Total current tax
58,182
5,885

Deferred tax


Origination and reversal of timing differences
(458,531)
9,507

Total deferred tax
(458,531)
9,507


Tax on profit/(loss)
(400,349)
15,392
Page 29

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
11.Taxation (continued)


Factors affecting tax charge for the year

The tax assessed for the year is lower than (2023 - higher than) the standard rate of corporation tax in the UK of 25% (2023 - effective rate of  23.5%). The differences are explained below:

2024
2023
£
£


Profit/(loss) on ordinary activities before tax
3,183,680
(887,622)


Profit/(loss) on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2023 - effective rate of 23.5%)
795,920
(208,591)

Effects of:


Non-tax deductible amortisation of goodwill and impairment
12,474
11,725

Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
30,356
13,131

Capital allowances for year in excess of depreciation
15,872
45,545

Utilisation of tax losses
(1,317,974)
(10,849)

Unrelieved tax losses carried forward
42,116
237,418

Difference on foreign tax rates
23,016
(72,081)

Other differences leading to an increase (decrease) in the tax charge
(2,129)
(906)

Total tax charge for the year
(400,349)
15,392


Factors that may affect future tax charges

The Group has an estimated tax losses of £3,297,375 (2023: £6,554,421) to carry forward against future taxable profits. For the tax losses carried forward in the overseas group companies, these are set off against taxable profits subject to the respective countries' local tax laws.

Page 30

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

12.


Intangible assets

Group





Trademarks
Goodwill
Total

£
£
£



Cost


At 1 January 2024
5,280,755
498,940
5,779,695



At 31 December 2024

5,280,755
498,940
5,779,695



Amortisation


At 1 January 2024
2,153,495
203,734
2,357,229


Charge for the year on owned assets
528,075
49,894
577,969



At 31 December 2024

2,681,570
253,628
2,935,198



Net book value



At 31 December 2024
2,599,185
245,312
2,844,497



At 31 December 2023
3,127,260
295,206
3,422,466


Trademarks and goodwill are amortised over a useful life of 10 years respectively.


Page 31

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
           12.Intangible assets (continued)

Company




Trademarks

£



Cost


At 1 January 2024
5,280,755



At 31 December 2024

5,280,755



Amortisation


At 1 January 2024
2,153,495


Charge for the year
528,075



At 31 December 2024

2,681,570



Net book value



At 31 December 2024
2,599,185



At 31 December 2023
3,127,260

Page 32

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

13.


Tangible fixed assets

Group






Leasehold improvements
Fixtures and fittings
Office & computer equipment
Heritage assets
Total

£
£
£
£
£



Cost or valuation


At 1 January 2024
696,387
78,253
17,719
1,800,000
2,592,359


Additions
-
12,782
6,641
-
19,423


Disposals
-
-
(2,878)
-
(2,878)


Exchange adjustments
29
-
18
-
47



At 31 December 2024

696,416
91,035
21,500
1,800,000
2,608,951



Depreciation


At 1 January 2024
251,116
29,009
9,200
156,000
445,325


Charge for the year on owned assets
59,845
19,201
5,430
36,000
120,476


Disposals
-
-
(2,124)
-
(2,124)


Exchange adjustments
18
-
-
-
18



At 31 December 2024

310,979
48,210
12,506
192,000
563,695



Net book value



At 31 December 2024
385,437
42,825
8,994
1,608,000
2,045,256



At 31 December 2023
445,271
49,244
8,519
1,644,000
2,147,034

Page 33

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

           13.Tangible fixed assets (continued)


Company






Computer equipment

£


At 1 January 2024
1,654


Disposals
(1,654)



At 31 December 2024

-





At 1 January 2024
689


Charge for the year on owned assets
551


Disposals
(1,240)



At 31 December 2024

-



Net book value



At 31 December 2024
-



At 31 December 2023
965






Page 34

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

14.


Fixed asset investments

Group





Unlisted investments
Other fixed asset investment
Total

£
£
£



Cost or valuation


At 1 January 2024
-
377,000
377,000


Additions
12
-
12



At 31 December 2024

12
377,000
377,012



Impairment


At 1 January 2024
-
376,999
376,999



At 31 December 2024

-
376,999
376,999



Net book value



At 31 December 2024
12
1
13



At 31 December 2023
-
1
1

Other fixed asset investment is represented by the Group's holding of the full interest in Colnaghi Foundation, a charity registered in England and Wales. The Group has no influence on the management of the Charity.
The historic impairment charge of £376,999 represents an impairment of the investment in the Charity at the balance sheet date as management does not expect the Charity to provide any economic benefits to the Group.  

Page 35

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
Company





Investments in subsidiary companies
Other fixed asset investments
Total

£
£
£



Cost or valuation


At 1 January 2024
4,529,802
377,000
4,906,802


Additions
45,000
-
45,000



At 31 December 2024

4,574,802
377,000
4,951,802



Impairment


At 1 January 2024
-
376,999
376,999



At 31 December 2024

-
376,999
376,999



Net book value



At 31 December 2024
4,574,802
1
4,574,803



At 31 December 2023
4,529,802
1
4,529,803

Page 36

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

Subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Registered office

Principal activity

Class of shares

Holding

Colnaghi UK Ltd
England & Wales
Sale of art work
Ordinary
100%
Colnaghi Library And Archives Ltd
England & Wales
Holding of art library and archives
Ordinary
100%
PND London Ltd
England & Wales
Holding of leased property and sale of art work
Ordinary
100%
Colnaghi Spain Fine Art SL
Spain
Sale of art work
No specific class
100%
Aquila Fine Art Ltd
England & Wales
Dormant
Ordinary
70%
Colnaghi Insurance Brokers Ltd
England & Wales
Insurance business introducer and broker
Ordinary
100%
Colnaghi Elliott Master Drawings Limited *
England & Wales
Sale of art work
Ordinary
50%
Colnaghi Insurance Brokers France **
France
Insurance business introducer and broker
Ordinary
100%
Colnaghi Fine Art Limited
USA
Sale of art work
Common
100%

Page 37

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
Subsidiary undertakings (continued)

* Colnaghi Elliott Master Drawings Limited is a group subsidiary by virtue of the Group has significant influence over the entity's management. 
** Colnaghi Insurance Brokers France is an indirect subsidiary 100% owned by Colnaghi Insurance Brokers Ltd.
All of the above subsidiaries' results are included in the these consolidated financial statements.


15.


Stocks

Group
Group
2024
2023
£
£

Artwork inventory
10,040,115
10,202,656

10,040,115
10,202,656



16.


Debtors

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£


Trade debtors
919,859
460,688
-
-

Amounts owed by group undertakings
-
-
3,414,159
9,543,175

Other debtors
229,598
382,800
-
1,048

Prepayments and accrued income
11,351,967
424,365
4,279
3,610

Deferred taxation
431,294
-
512,672
-

12,932,718
1,267,853
3,931,110
9,547,833



17.


Cash and cash equivalents

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Cash at bank and in hand
1,061,186
2,045,536
8,425
288

Less: bank overdrafts
-
(2,098)
-
(2,098)

1,061,186
2,043,438
8,425
(1,810)


The total amount of client monies held in the bank accounts by a group subsidiary as at 31 December 2024 was £1,091 (2023: £Nil).

Page 38

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

18.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Bank overdrafts
-
2,098
-
2,098

Trade creditors
3,132,838
770,454
-
-

Amounts owed to group undertakings
-
-
9,190
-

Corporation tax
34,757
5,897
-
-

Other taxation and social security
54,457
146,424
20,427
97,075

Other creditors
27,730
63,347
-
-

Accruals and deferred income
10,257,103
1,768,138
117,827
203,810

13,506,885
2,756,358
147,444
302,983



19.


Creditors: Amounts falling due after more than one year

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Other loans
11,317,495
15,780,402
11,317,495
15,780,402

11,317,495
15,780,402
11,317,495
15,780,402


Included in Other loans are two loans in the sum of £11,317,495 (2023: £15,780,402) which are secured on the Company's assets and carries an interest charge at a rate of 9% per annum. Accrued interest of £733,351 (2023: £146,488) is included in the loan balances. The loans are repayable by 31 August 2026. 


20.


Loans


Analysis of the maturity of loans is given below:


Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Amounts falling due within one year


Amounts falling due 2-5 years

Other loans
11,317,495
15,780,402
11,317,495
15,780,402


11,317,495
15,780,402
11,317,495
15,780,402



21.


Deferred taxation

Page 39

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
21.Deferred taxation (continued)


Group



2024


£






At beginning of year
(27,237)


Charged to profit or loss
458,531



At end of year
431,294

Company


2024


£






Charged to profit or loss
512,672



At end of year
512,672

The deferred taxation balance is made up as follows:

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Accelerated capital allowances
(81,585)
(69,782)
-
-

Tax losses carried forward
512,672
42,360
512,672
-

Pension surplus
207
185
-
-

431,294
(27,237)
512,672
-

The Group has tax losses of £3,165,682 (2023: £6,554,421) in the UK carried forward at the balance sheet date. An estimated deferred tax asset of £278,749 (2023: £1,596,245) on these losses based on the UK standard tax rate of 25% (2023: 25%) has not been recognised in these financial statements.
The Group had tax losses of £131,693 (2023: £nil) in foreign jurisdictions carried forward at the balance sheet date. An estimated deferred tax asset of £27,656 (2023: £nil) on these losses based on the United States standard tax rate of 21% (2023: 21%) has not been recognised in these financial statements.


22.


Share capital

2024
2023
£
£
Allotted, called up and fully paid



Page 40

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

22.Share capital (continued)

7,000,000 (2023 - 7,000,000) A Ordinary shares of £1.000 each
7,000,000
7,000,000
194,445 (2023 - Nil) B Ordinary shares of £0.001 each
194
-

7,000,194

7,000,000

During the year, the Company issued 194,445 B Ordinary shares at nominal value of £0.001 per share. 


Both classes of shares carry the same rights and privileges and rank pari passu with each other except that only the A Ordinary shareholders carry the right to vote at the Company's general meetings and participate in any distributions of the Company.


23.


Reserves

Foreign exchange reserve

Represents the effect of changes in exchange rates arising from translating the financial statements of the subsidiary undertakings into the Group's reporting currency.

Profit and loss account

The profit and loss account consists of accumulated profits and losses.


24.


Share-based payments

The Company operates an equity-settled share based remuneration EMI scheme in which only eligible employees can participate. The options are vested over a period of between 0 and 4 years with the only vesting condition being that the individual remains an employee of the Company over the vesting period. The options have a maximum exercisable term of 10 years from grant date. 
There were 777,777 share options granted in the prior year at an exercise price of £0.001 each, of which 194,445 options vested during the prior year. In 2024, the 194,445 options vested were exercised with the Company allotting 194,445 B Ordinary shares of £0.001 each. The remaining 583,332 options granted in the prior year duly lapsed with no carrying balance at the balance sheet date.


25.


Contingent liabilities

The Company has issued a guarantee to the following subsidiaries for all of their outstanding liabilities existing at the balance sheet date of 31 December 2024. The guarantee is issued in accordance with the exemption from the requirements of Companies Act 2006 relating to the audit of individual accounts by virtue of S479A of Companies Act 2006.
 - PND London Ltd
 - Colnaghi Elliott Master Drawings Limited

Page 41

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

26.


Pension commitments

The Group operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Group in an independently administered fund. The pension cost charge represents contributions payable by the Group to the fund and amounted to £49,061 (2023: £46,700).
Contributions totalling £3,051 (2023: £2,695) were payable to the fund at the balance sheet date and are included in creditors.


27.


Commitments under operating leases

At 31 December 2024 the Group had future minimum lease payments due under non-cancellable operating leases for each of the following periods:


Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Not later than 1 year
397,749
426,715
13,333
35,333

Later than 1 year and not later than 5 years
1,000,000
1,095,139
-
12,667

Later than 5 years
359,589
609,589
-
-

1,757,338
2,131,443
13,333
48,000

Page 42

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

28.


Related party transactions

Group
During the year, the Group paid consultancy fees of £120,267 (2023: £169,270) to a connected company by virtue of common substantial shareholding. The Group also paid sales commission of £1,037,174 (2023: £714,018) to these companies.  
At the balance sheet date, the Group owed £18,203 (2023: was owed £23,074) to a connected company by virtue of common substantial shareholding. 
During the year the Group made sales of £7,316 (2023: £9,432) and purchases of £261,687 to a company connected to a group company by virtue of common substantial shareholding. The Group received supplies of services of £242,123 (2023: £40,000) from the connected company. At the balance sheet date, the Group owed £107 (2023: £Nil) to the connected company. 
During the year the Group made purchases of £Nil (2023: £6,716,059) from a company in which a company director has substantial shareholding. 
During the year the Group paid consultancy fees of £19,615 (2023: £Nil) to a company director. At the balance sheet date, the Group owed £94,195 (2023: £Nil) to the director. 
During the year the Group received consultancy fee of £16,677 (2023: £nil) from a company director. At the balance sheet date, the Group owed £891 (2023: £nil) to the director.  
During the year the Group made a donation of £90,746 (2023: £87,068) to a charity in which the Group has a 100% interest. 
The Company has taken advantage of the exemption available in FRS102 not to disclose transactions entered into between two or more wholly owned members of a group.
During the year, the Group had the following transactions and balances with the group companies not wholly owned by the Group:

Page 43

 
COLNAGHI HOLDING LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
2024
2023
        £
        £
Inter-company transactions

Supplies from the Group

39,640

17,700

Supplies to the Group

(1,448)

(3,140)

Sales of art work to the Group

(83,168)

(19,424)

Sales commission charged to the Group

(143,224)

-

Consultancy fee charged by the Group

80,000

40,000

Interest received by the Group

8,302

4,909

Interest paid by the Group

(1,296)

-

Dividends received by the Group

-

40,000

Inter-company balances



Amounts owed to the Group

77,398

175,759

Amounts owed by the Group

(130,013)

-


Parent company
At the balance sheet date, the Company was owed £3,336,760 (2023: £9,471,161) from the group companies wholly owned by the Group.
At the balance sheet date, the Company owed £9,190 (2023: £nil) to the group companies wholly owned by the Group.
During the year, the Company had the following transactions and balances with the group companies not wholly owned by the Group:

2024
2023
        £
        £
Inter-company transactions

Supplies from the Company

3,050

-

Consultancy fee charged by the Company

80,000

40,000

Interest received by the Company

6,715

3,118

Dividends received by the Company

-

40,000

Inter-company balances



Amounts owed to the Company

6,346

90



29.


Post balance sheet events

In January 2025, the Company incorporated Colnaghi Belgium BV, a 100% subsidiary undertaking registered in Belgium.

 
Page 44