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Registered number: 04424442









THE TURQUOISE HOLIDAY COMPANY LIMITED









ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30 APRIL 2025

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
COMPANY INFORMATION


Directors
B G J Barton 
J D Bell 




Company secretary
C J Barton



Registered number
04424442



Registered office
The Stables, 4 Bakery Court
37-39 London End

Beaconsfield

Buckinghamshire

HP9 2FN




Bankers
Barclays Bank plc
8/9 Hanover Square

London

W1A 4ZW





 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 

CONTENTS



Page
Strategic Report
1 - 2
Directors' Report
3 - 4
Independent Auditors' Report
5 - 8
Income Statement
9
Statement of Comprehensive Income
10
Statement of Financial Position
11
Statement of Changes in Equity
12
Statement of Cash Flows
13
Analysis of Net Debt
14
Notes to the Financial Statements
15 - 34


 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
STRATEGIC REPORT
FOR THE YEAR ENDED 30 APRIL 2025

Introduction
 
The Company is required by the Companies Act 2006, to set out in this report a fair review of its business during the financial period ended 30 April 2025, the position of the Company at the year end, and a description of the principal risks and uncertainties facing the Company. 
The review is prepared solely to provide additional information to shareholders to assess the Company's strategies and the potential for the strategies to succeed, and the business review should not be relied upon by any other party or for any other purpose.

Business review
 
The Directors are delighted with this year’s performance, and the continued efforts and investment in our people, systems and processes are beginning to bring rewards. The company was thrilled to receive two significant awards this year, winning Conde Nast Traveller’s 'World’s Best Tour Operator' for the seventh time and being recongnised by The Sunday Times as one of the 'Best Places to Work in UK'. We were also nominated by The Sunday Times as one of the 'Best Luxury Operators in UK'. 
We are planning a smaller growth in 2026 as we put in new documentation systems and website. This will lead to significant growth in 2027, we confidently believe. The company continues to meet the challenges the travel industry faces, including AI, successfully. We remain focused on delivering outstanding customer service, and considerable outlay is being invested in internal and external training. Our marketing remains best in class, and we have launched a new programme and brochure featuring properties of “50 Rooms or Less”, to wide industry, client, and press acclaim. We remain committed to innovation and inspiration in the marketing arena, whilst clear KPI’s and SLA’s, including a focus on our cost per acquisition and customer retention, have led to a significant improvement in our conversion. We have completed a brand review, resulting in a logo evolution. Our product selection, management and curation has led to better credit and commercial terms. Our new European and Journeys programmes are also gaining traction. Our relationships throughout the industry remain at the very core of our being. In the years ahead we intend to capitalise on the significant strength and customer recognition of our brand.
The Directors remain committed to developing Turquoise to be the No1 family owned and run luxury tour operator in UK, delivering truly memorable holidays. We are looking forward to 2026 with optimism and confidence.  


Key performance indicators

2025
2024
£
£
Gross revenue

25,176,184

20,037,854
 
Gross profit

4,634,459

3,816,352
 
Gross profit as a percentage of revenue

18.41%

19.05%
 
Operating profit

803,832

455,854
 
Operating profit as a percentage of revenue

3.19%

2.27%
 
Cash and cash equivalents

5,764,410

4,832,082
 

Key highlights:
-  Gross revenue has increased by 25.64%;
-  Net profit for the financial period after tax is £676,196 (2024 - £515,541);

Page 1

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 

STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 30 APRIL 2025

Principal risks and uncertainties
 
The following risk factors may affect the Company's operating results and its financial position. The risk factors described below are those which the directors believe are potentially significant, but should not be regarded as a complete and comprehensive statement of all potential risks and uncertainties facing the Company. 
Economic uncertainty - Consumer confidence is important to the success of the business. The demand for holidays is affected by local and global economic conditions. Uncertainty, consumer confidence and other such factors can create a fragile trading environment, but traditionally the company has operated in the higher end of the market where these issues seem to have less effect on people’s desire for holidays. However, the directors still believe the Company is able to quickly adapt to changes in the local market demand, as it continues to be flexible in tailoring its customer proposition to suit the economic climate. A prolonged period of booking slowdown though would adversely affect financial results. 
Regulatory risk - The Company is exposed to various regulators, including the Civil Aviation Authority (“CAA”) which issues an Air Travel Organisers Licence (“ATOL”), which is required in order for the company to operate. This licence is renewed in September each year and is subject to assessments of fitness and financial criteria, the framework of which is available on the CAA website (www.caa.co.uk). The company operates the vast majority of its business under its ATOL licence (ATOL 5875).
Competition risk - The Company continues to face competition from web-based tour operators with a lower cost base who are prepared to sacrifice gross profit in order to gain market share. The Company seeks to constantly invest in both its brand, to increase public awareness, as well as a massively superior customer service offering, to maintain its market position.  
Foreign exchange risk - The Company faces transactional exposure primarily relating to the cost of acquiring accommodation and other ground arrangements. The Company's main exposure to exchange rate fluctuations is in relation to the Euro/Sterling and US$/Sterling exchange rate. This risk is managed by forward buying foreign exchange and hedging policies to match requirements as they are generated by customer bookings: we have continued to improve our systems and processes around this for 2024/25.
Information technology risk - Like many travel businesses the Company is highly dependent on the uninterrupted operation of its IT systems and website. Our systems have been recently placed into the cloud giving us greater security and reliability. IT risks are managed through a third party outsourced IT Company. 



This report was approved by the board on 5 September 2025 and signed on its behalf.





B G J Barton
Director

Page 2

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 30 APRIL 2025

The directors present their report and the financial statements for the year ended 30 April 2025.

Directors' responsibilities statement

The directors are responsible for preparing the Strategic Report, the Directors' Report and the 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 of the profit or loss of the Company for that period.

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


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

make judgments and accounting estimates that are reasonable and prudent;

state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Company 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 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 hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The directors are also responsible for the maintenance and integrity of the corporate and financial information included on the Company's website.

Principal activity

The Company's principal activity during the year continued to be that of a tour operator.

Results and dividends

The profit for the year, after taxation, amounted to £676,196 (2024 - £515,541).

The directors have not recommended a final dividend. No interim dividends were paid during the period.

Directors

The directors who served during the year were:

B G J Barton 
J D Bell 

Page 3

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 30 APRIL 2025

Future developments

The directors intend to continue executing the plans and strategies that have seen the company grow and post increased gross revenue and operating profit over the last period. They also plan to maintain the extremely high standard of customer service which they believe is a strong USP of the business. 

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'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's auditors are aware of that information.

Post balance sheet events

There have been no significant events affecting the Company since the period end.

Auditors

The auditorsWhite Hart Associates (London) Limitedwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board on 5 September 2025 and signed on its behalf.
 





B G J Barton
Director

Page 4

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF THE TURQUOISE HOLIDAY COMPANY LIMITED
 

Opinion


We have audited the financial statements of The Turquoise Holiday Company Limited (the 'Company') for the year ended 30 April 2025, which comprise the Income Statement, the Statement of Comprehensive Income, the Statement of Financial Position, the Statement of Cash Flows, the 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 Company's affairs as at 30 April 2025 and of its 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 Company 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 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

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF THE TURQUOISE HOLIDAY COMPANY LIMITED (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 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 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 Company and its environment obtained in the course of the audit, we have not identified material misstatements in the 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, or returns adequate for our audit have not been received from branches not visited by us; or
the 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 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 Company or to cease operations, or have no realistic alternative but to do so.


Page 6

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF THE TURQUOISE HOLIDAY COMPANY LIMITED (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 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:

- We exercise professional judgement and maintain professional scepticism throughout the audit;
- We identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the deliberate override of internal control;
- We obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of internal control;
- We evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made;
- We assess the risk of management override of controls, including testing journal entries and other adjustments for appropriateness, and evaluating the business rationale of significant transactions outside the normal course of business;
- We review the scope of the Company's compliance with its regulator, the Civil Aviation Authority ("CAA") and its accreditation with the International Air Transport Association ("IATA") and sample test relevant documentation to assess this and the effectiveness of its control environment;
- We review the Company's relationships with related parties and other group companies, identifying and disclosing transactions during the year and balances at year-end with such parties.


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.


Page 7

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF THE TURQUOISE HOLIDAY COMPANY LIMITED (CONTINUED)


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.





M S Caldicott ACA FCCA CTA (Senior Statutory Auditor)
  
for and on behalf of
White Hart Associates (London) Limited
 
Chartered Accountants and Statutory Auditors
  
2nd Floor, Nucleus House
2 Lower Mortlake Road
Richmond
TW9 2JA

5 September 2025
Page 8

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
INCOME STATEMENT
FOR THE YEAR ENDED 30 APRIL 2025

2025
2024
Note
£
£

  

Turnover
 4 
25,176,184
20,037,854

Cost of sales
  
(20,541,725)
(16,221,502)

Gross profit
  
4,634,459
3,816,352

Distribution costs
  
(882,845)
(681,511)

Administrative expenses
  
(3,164,645)
(2,822,747)

Other operating income
 5 
216,863
143,760

Operating profit
 6 
803,832
455,854

Interest receivable and similar income
 10 
146,088
134,774

Interest payable and similar expenses
 11 
(13,114)
(20,567)

Profit before tax
  
936,806
570,061

Tax on profit
 12 
(260,610)
(54,520)

Profit for the financial year
  
676,196
515,541

The notes on pages 15 to 34 form part of these financial statements.

Page 9

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 

STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 30 APRIL 2025

2025
2024
Note
£
£


Profit for the financial year

  

676,196
515,541

Other comprehensive income
  


Foreign exchange movement
  
(217,352)
127,270

Other comprehensive income for the year
  
(217,352)
127,270

Total comprehensive income for the year
  
458,844
642,811

The notes on pages 15 to 34 form part of these financial statements.

Page 10

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
REGISTERED NUMBER: 04424442

STATEMENT OF FINANCIAL POSITION
AS AT 30 APRIL 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 14 
93,373
89,559

  
93,373
89,559

Current assets
  

Debtors: amounts falling due within one year
 15 
1,962,980
1,879,749

Cash at bank and in hand
 16 
5,764,410
4,832,082

  
7,727,390
6,711,831

Creditors: amounts falling due within one year
 17 
(7,015,411)
(6,119,884)

Net current assets
  
 
 
711,979
 
 
591,947

Total assets less current liabilities
  
805,352
681,506

Creditors: amounts falling due after more than one year
 18 
(795,085)
(1,095,083)

  

Net assets/(liabilities)
  
10,267
(413,577)


Capital and reserves
  

Called up share capital 
 22 
65,476
65,476

Share premium account
 23 
93,452
93,452

Foreign exchange reserve
 23 
(239,169)
(21,817)

Profit and loss account
 23 
90,508
(550,688)

  
10,267
(413,577)


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 5 September 2025.




B G J Barton
J D Bell
Director
Director

The notes on pages 15 to 34 form part of these financial statements.

Page 11

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 

STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 30 APRIL 2025


Called up share capital
Share premium account
Foreign exchange reserve
Profit and loss account
Total equity

£
£
£
£
£


At 1 May 2023
65,476
93,452
(149,087)
(1,066,229)
(1,056,388)


Comprehensive income for the year

Profit for the year
-
-
-
515,541
515,541

Foreign exchange movement
-
-
127,270
-
127,270
Total comprehensive income for the year
-
-
127,270
515,541
642,811



At 1 May 2024
65,476
93,452
(21,817)
(550,688)
(413,577)


Comprehensive income for the year

Profit for the year
-
-
-
676,196
676,196

Foreign exchange movement
-
-
(217,352)
-
(217,352)
Total comprehensive income for the year
-
-
(217,352)
676,196
458,844


Contributions by and distributions to owners

Dividends: Equity capital
-
-
-
(35,000)
(35,000)


At 30 April 2025
65,476
93,452
(239,169)
90,508
10,267


The notes on pages 15 to 34 form part of these financial statements.

Page 12

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 

STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 30 APRIL 2025

2025
2024
£
£

Cash flows from operating activities

Profit for the financial year
676,196
515,541

Adjustments for:

Depreciation of tangible assets
32,177
26,600

Interest paid
13,114
20,567

Interest received
(146,088)
(134,774)

Taxation charge
260,610
54,520

Increase in debtors
(343,840)
(119,078)

Increase in creditors
678,175
584,561

Net cash generated from operating activities

1,170,344
947,937


Cash flows from investing activities

Purchase of tangible fixed assets
(35,992)
(62,797)

Interest received
146,088
134,774

Net cash from investing activities

110,096
71,977

Cash flows from financing activities

Repayment of loans
(99,998)
(100,000)

Repayment of other loans
(200,000)
(178,000)

Dividends paid
(35,000)
-

Interest paid
(13,114)
(20,567)

Net cash used in financing activities
(348,112)
(298,567)

Net increase in cash and cash equivalents
932,328
721,347

Cash and cash equivalents at beginning of year
4,832,082
4,110,735

Cash and cash equivalents at the end of year
5,764,410
4,832,082


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
5,764,410
4,832,082

5,764,410
4,832,082


The notes on pages 15 to 34 form part of these financial statements.

Page 13

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 

ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 30 APRIL 2025




At 1 May 2024
Cash flows
At 30 April 2025
£

£

£

Cash at bank and in hand

4,832,082

932,591

5,764,673

Bank overdrafts

-

(263)

(263)

Debt due after 1 year

(1,095,083)

299,998

(795,085)

Debt due within 1 year

(100,000)

-

(100,000)


3,636,999
1,232,326
4,869,325

The notes on pages 15 to 34 form part of these financial statements.

Page 14

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

1.


General information

The Turquoise Holiday Company Limited is a private company limited by shares, domiciled in England and Wales, registration number 04424442. The registered office is The Stables, 4 Bakery Court, 37-39 London End, Beaconsfield, Buckinghamshire, HP9 2FN.

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 management to exercise judgment in applying the Company's accounting policies (see note 3).

The following principal accounting policies have been applied:

 
2.2

Going concern

The directors have continued to prepare budgets and cashflow forecasts which reflect good operational liquidity and profitability throughout. Additionally, they have also continued to perform sensitivity analysis on these budgets and forecasts to assess the financial impact of any potential slowdown in forecast trading and its impact on the liquidity of the business. This analysis shows that the Company has enough liquidity and cash to trade through such a potential slowdown. 
The directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future, being at least the following 12 months from the signing of these financial statements. This is supported by the continued strong performance seen in the post balance sheet period, which the Company remains well placed to meet and service.
As a result, and with the Company continuing to receive the full support of its shareholders and bankers, the directors believe that it is still appropriate to apply the going concern basis for the foreseeable future.

Page 15

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)

 
2.3

Foreign currency translation

Functional and presentation currency

The Company's functional and presentational currency is GBP.

Transactions and balances

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 except when deferred in other comprehensive income as qualifying cash flow hedges.

 
2.4

Revenue

Turnover represents the total value of travel, holiday and holiday accommodation arrangements provided by the Company, recognised on a departure date basis, net of value added tax and discounts.

 
2.5

Operating leases: the Company as lessee

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

 
2.6

Interest income

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

 
2.7

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.

 
2.8

Borrowing costs

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

Page 16

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)

 
2.9

Pensions

Defined contribution pension plan

The Company operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Company pays fixed contributions into a separate entity. Once the contributions have been paid the Company 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 Statement of Financial Position. The assets of the plan are held separately from the Company in independently administered funds.

 
2.10

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 reporting date in the countries where the Company operates and generates income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the reporting 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 reporting date.

Page 17

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)

 
2.11

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, using the straight-line method.

Depreciation is provided on the following basis:

Leasehold costs and imprvements
-
over term of lease
Office equipment, furniture and fixtures
-
over 4 years
Website
-
over 3 years

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 amount and are recognised in profit or loss.

 
2.12

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.

 
2.13

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. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.

In the 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 Company's cash management.

 
2.14

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.

Page 18

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)

 
2.15

Provisions for liabilities

Provisions are recognised when an event has taken place that gives rise to a legal or constructive obligation, a transfer of economic benefits is probable and a reliable estimate can be made.
Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
 
Increases in provisions are generally charged as an expense to profit or loss.

Page 19

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)

 
2.16

Financial instruments

The Company 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 Company's Statement of Financial Position when the Company becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include trade and other receivables, cash and bank balances, are initially measured at their transaction price including transaction costs 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 Company's cash and cash equivalents, trade and most other receivables due with the operating cycle fall into this category of financial instruments.

Other financial assets

Other financial assets, which includes investments in equity instruments which are not classified as subsidiaries, associates or joint ventures, are initially measured at fair value, which is normally the recognised transaction price. Such assets are subsequently measured at fair value with the changes in fair value being recognised in the profit or loss. Where other financial assets are not publicly traded, hence their fair value cannot be measured reliably, they are measured at cost less impairment.

Impairment of financial assets

Financial assets are assessed for indicators of impairment at each reporting date. 

Financial assets are impaired when events, subsequent to their initial recognition, indicate the estimated future cash flows derived from the financial asset(s) have been adversely impacted. The impairment loss will be the difference between the current carrying amount and the present value of the future cash flows at the asset(s) original effective interest rate.

If there is a favourable change in relation to the events surrounding the impairment loss then the impairment can be reviewed for possible reversal. The reversal will not cause the current carrying amount to exceed the original carrying amount had the impairment not been recognised. The impairment reversal is recognised in the profit or loss.


 

Page 20

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)


2.16
Financial instruments (continued)

Financial liabilities

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

Basic financial liabilities, which include trade and other payables, bank loans and other loans are initially measured at their transaction price after transaction costs. 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 payables are obligations to pay for goods and services that have been acquired in the ordinary course of business from suppliers. Trade payables are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities. Trade payables are initially recognised at their transaction price and subsequently are measured at amortised cost using the effective interest method. Discounting is omitted where the effect of discounting is immaterial.

Other financial instruments

Derivatives, including forward exchange contracts, futures contracts and interest rate swaps, are not classified as basic financial instruments. These are initially recognised at fair value on the date the derivative contract is entered into, with costs being charged to the profit or loss. They are subsequently measured at fair value with changes in the profit or loss.

Debt instruments that do not meet the conditions as set out in FRS 102 paragraph 11.9 are subsequently measured at fair value through the profit or loss. This recognition and measurement would also apply to financial instruments where the performance is evaluated on a fair value basis as with a documented risk management or investment strategy.

The Company designates certain derivaties as either:
- Hedges of the fair value of recognised assets or liabilities or a firm commitment (fair value hedge);
- Hedges of a particular risk associated with a recognised asset or liability or a highly probable
forecast transaction (cash flow hedge); or 
- Hedges of a net investment in a foreign operation (net investment hedge). 
The Company documents at the inception of the transaction the relationship between hedging instruments and hedged items, as well as its risk management objectives and strategy for undertaking various hedging transactions. The Company also documents its assessment, both at hedge inception and on an ongoing basis, of whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in fair values or cash flows of hedged items.
The full fair value of a hedging derivative is classified as a current asset or liability.Trading derivatives are classified as a current asset or liability.

Page 21

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

2.Accounting policies (continued)

 
2.17

Hedge accounting

The Company uses commodity forward contracts to manage its exposure to cash flow risk on its on its future creditors payable in foreign currency. These derivatives are measured at fair value at each reporting date.

To the extent the cash flow hedge is effective, movements in fair value are recognised in other comprehensive income and presented in a separate cash flow hedge reserve. Any ineffective portions of those movements are recognised in profit or loss for the year.

Gains and losses on the hedging instruments and the hedged items are recognised in profit or loss for the year. When a hedged item is an unrecognised firm commitment, the cumulative hedging gain or loss on the hedged item is recognised as an asset or liability with a corresponding gain or loss recognised in profit or loss.

 
2.18

Dividends

Equity dividends are recognised when they become legally payable. Interim equity dividends are recognised when paid. Final equity dividends are recognised when approved by the shareholders at an annual general meeting.


3.


Judgments in applying accounting policies and key sources of estimation uncertainty

Estimates and judgments are continually evaluated and are based on historical experience and other including expectations of future events that are believed to be reasonable under the circumstances.
a) Critical judgments in applying the Company's accounting policies
The directors believe that there are no critical judgments involved in applying the Company's accounting policies that warrant disclosure.
b) Key accounting estimates and assumptions
The directors believe that there are no key accounting estimates and assumptions involved in applying the Company's accounting policies that warrant disclosure.

Page 22

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

4.


Turnover

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


2025
2024
£
£

Tour operator
25,176,184
20,037,854

25,176,184
20,037,854


Analysis of turnover by country of destination:

2025
2024
£
£

United Kingdom
25,176,184
20,037,854

25,176,184
20,037,854



5.


Other operating income

2025
2024
£
£

Other operating income
216,863
143,760

216,863
143,760



6.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Depreciation
32,177
26,600

Exchange differences
1,909
144,603

Fee payable to the Company's auditor and its associates for the audit of the Company's annual financial statements
20,950
17,750

Defined contribution pension scheme
60,920
54,902

Page 23

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

7.


Auditors' remuneration

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


2025
2024
£
£

Fees payable to the Company's auditors for the audit of the Company's financial statements
20,950
17,750

Fees payable to the Company's auditors for non-audit work
5,895
12,353

8.


Employees

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


2025
2024
£
£

Wages and salaries
1,933,373
1,656,173

Social security costs
199,697
186,668

Cost of defined contribution scheme
160,920
54,902

2,293,990
1,897,743


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


        2025
        2024
            No.
            No.







Administration
8
9



Product
4
4



Finance
4
4



Marketing
4
3



Sales
24
22

44
42

Page 24

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

9.


Directors' remuneration

2025
2024
£
£

Directors' emoluments
178,299
179,850

178,299
179,850


During the year retirement benefits were accruing to 2 directors (2024 - 2) in respect of defined contribution pension schemes.


10.


Interest receivable

2025
2024
£
£


Other interest receivable
146,088
134,774

146,088
134,774


11.


Interest payable and similar expenses

2025
2024
£
£


Other interest payable
13,114
20,567

13,114
20,567

Page 25

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

12.


Taxation


2025
2024
£
£



Total current tax
-
-

Deferred tax


Origination and reversal of timing differences
260,610
54,520

Total deferred tax
260,610
54,520


Tax on profit
260,610
54,520

Factors affecting tax charge for the year

The tax assessed for the year is lower than (2024 - lower than) the standard rate of corporation tax in the UK of 25% (2024 - 25%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
936,806
570,061


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 25%)
234,201
142,515

Effects of:


Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
26,076
588

Capital allowances for year in excess of depreciation
(1,142)
(9,279)

Utilisation of tax losses
(259,135)
(133,824)

Deferred tax adjustment
260,610
54,520

Total tax charge for the year
260,610
54,520


Factors that may affect future tax charges

There were no factors that may affect future tax charges.

Page 26

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

13.


Dividends

2025
2024
£
£


Dividends analysis - user input
35,000
-

35,000
-


14.


Tangible fixed assets





Short-term leasehold property
Plant and machinery
Total

£
£
£



Cost or valuation


At 1 May 2024
80,511
516,825
597,336


Additions
-
35,992
35,992



At 30 April 2025

80,511
552,817
633,328



Depreciation


At 1 May 2024
79,181
428,596
507,777


Charge for the year on owned assets
1,168
31,010
32,178



At 30 April 2025

80,349
459,606
539,955



Net book value



At 30 April 2025
162
93,211
93,373



At 30 April 2024
1,330
88,229
89,559




The net book value of land and buildings may be further analysed as follows:


2025
2024
£
£

Short leasehold
162
1,330

162
1,330


Page 27

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

15.


Debtors

2025
2024
£
£


Trade debtors
42,054
27,746

Other debtors
1,701,636
1,281,040

Prepayments and accrued income
188,170
279,233

Deferred taxation
31,120
291,730

1,962,980
1,879,749


Included in other debtors is the sum of £1,453,548 (2024 - £1,139,230) in respect of supplier payments for departures post year-end made in advance.


16.


Cash and cash equivalents

2025
2024
£
£

Cash at bank and in hand (see note 28)
5,764,410
4,832,082

5,764,410
4,832,082



17.


Creditors: Amounts falling due within one year

2025
2024
£
£

Bank loans
100,000
100,000

Trade creditors
1,500,901
1,111,079

Other taxation and social security
35,352
51,755

Other creditors
90,308
28,632

Accruals and deferred income
5,049,681
4,806,601

Financial instruments
239,169
21,817

7,015,411
6,119,884


Included in accruals and deferred income is the sum of £4,854,248 (2024 - £4,800,768) in respect of sales cash received in advance of future departures.

Page 28

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

18.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Bank loans
25,002
125,000

Other loans
291,011
491,011

Share capital treated as debt
479,072
479,072

795,085
1,095,083


Included in other loans above are shareholders and other loans in the sum of £291,011 (2024 - £491,000) that are subject to subordinated undertakings given to the Civil Aviation Authority (CAA) and Barclays Bank plc and which cannot be repaid without their prior written consent. All of the loans are interest free.
The non-equity preference shares in the sum of £479,072 also cannot be redeemed without the CAA's and Barclays Bank plc's prior written consent.
Disclosure of the terms and conditions attached to the non-equity shares is made in note 21.

Page 29

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

19.


Loans


Analysis of the maturity of loans is given below:


2025
2024
£
£

Amounts falling due within one year

Bank loans
100,000
100,000


100,000
100,000

Amounts falling due 1-2 years

Bank loans
25,002
100,000


25,002
100,000

Amounts falling due 2-5 years

Bank loans
-
25,000


-
25,000

Amounts falling due after more than 5 years

Other loans
291,011
491,011

291,011
491,011

416,013
716,011


The bank loan is from Barclays Bank and is supported by the Coronavirus Business Interruption Loan Scheme (CBILS). The loan is for a term of 72 months with no capital repayments or interest payments for the first twelve months. Thereafter, interest is payable at 2.75% per annum over the bank base rate.

Page 30

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

20.


Deferred taxation




2025


£






At beginning of year
291,730


Charged to profit or loss
(260,610)



At end of year
31,120

The deferred tax asset is made up as follows:

2025
2024
£
£


Accelerated capital allowances
(22,486)
(21,012)

Tax losses carried forward
53,606
312,742

31,120
291,730


21.


Financial instruments

As at 30 April 2025, the company had contracted to purchase foreign currency totalling £6,069,146 (2024 - £6,108,524). This is undertaken as part of the Company's hedging activities to meet its future foreign cash flow liabilities generated as part of its normal trading.  

Page 31

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

22.


Share capital

2025
2024
£
£
Shares classified as equity

Allotted, called up and fully paid



65,476 (2024 - 65,476) Ordinary shares of £1.00 each
65,476
65,476

2025
2024
£
£
Shares classified as debt

Allotted, called up and fully paid



479,072 (2024 - 479,072) Preference shares of £1.00 each
479,072
479,072


Called up share capital represents the nominal value of shares that have been issued. Preference share capital represents the nominal value of preference shares that have been issued.
The holders of the preference shares are entitled in priority to any payment of dividend on any class of share to a fixed cumulative preferential dividend of 4% per annum. These shares can be redeemed at the option of the company (although not without the prior written agreement of the Civil Aviation Authority - see note 17 above) and do not carry voting rights. 


23.


Reserves

Share premium account

The share premium account represents premiums received on the issue of share capital. Any transaction costs associated with the issuing of shares are deducted from share premium.

Foreign exchange reserve

Foreign exchange reserves relate to a cash flow hedging reserve to which, in accordance with the Company's accounting policies, the effective portion of changes in the fair value of foreign exchange contract derivatives are recognised.

Profit and loss account

The profit and loss account represents all current and prior period retained profits and losses.

Page 32

 
THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

24.


Employee Share Options

At 30 April 2025, the Company had granted options to one key employee under the Enterprise Management Incentives (EMI) scheme over 2,159 ordinary shares at a market value and exercise price of £5 per share. During the year, two other employee options over 4,318 ordinary shares lapsed.
All share options had their stated market values agreed with HM Revenue and Customs under the EMI scheme, but no options have been exercised as at 30 April 2025. 
The directors have reviewed the value of the share based payments in relation to the above options and have not recognised any charge in the statement of comprehensive income on the grounds of materiality.


25.


Pension commitments

The Company operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Company in an independently administered fund. The pension cost charge represents contributions payable by the Company to the fund and amounted to £60,920 (2024 - £54,902).  Contributions totalling £9,805 (2024 - £9,446) were payable to the fund at the reporting date and are included in creditors.


26.


Commitments under operating leases

At 30 April 2025 the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2025
2024
£
£


Not later than 1 year
101,333
143,000

Later than 1 year and not later than 5 years
45,250
146,583

146,583
289,583


27.


Related party transactions

One of the directors, B G J Barton, has provided limited guarantees in respect of the Company's bank facilities. The total of the limited guarantees is £150,000 (2024 - £150,000). Also, as disclosed in note 17 above, of the loans from B G J Barton, £291,011 are subordinated loans as at 30 April 2025. 


28.


BSP outstanding

As at 30 April 2025, the Company had £87,548 payable to (2024: £89,334) International Air Transport Association (IATA) for tickets issued in the month of April 2025.

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THE TURQUOISE HOLIDAY COMPANY LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 APRIL 2025

29.


Cash at bank

Included in the cash at bank as at 30 April 2025 was £2,903,533 held in the CAA Escrow Trust Account as consumer protected restricted funds. The terms of the trust deed are that 70% of all customer monies received for ATOL protected bookings remain within the independently administered CAA Escrow Trust Account until the customer returns from their holiday. The Company's cash at bank as at 30 April 2025 was:
Unrestricted Cash - £2,860,877
Restricted Cash - £2,903,533
Total Cash - £5,764,410
In accordance with the maintenance of the company's ATOL, the Company is required to maintain at all times a minimum unrestricted cash balance of £650,000.


30.


Controlling party

The ultimate controlling party is B G J Barton, a director and owner of a majority of the issued equity share capital of the company.

 
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