Caseware UK (AP4) 2024.0.164 2024.0.164 2025-03-312025-03-31falsefalse2024-04-01false126No description of principal activity115false 07083629 2024-04-01 2025-03-31 07083629 2023-04-01 2024-03-31 07083629 2025-03-31 07083629 2024-03-31 07083629 2023-04-01 07083629 1 2024-04-01 2025-03-31 07083629 1 2023-04-01 2024-03-31 07083629 5 2024-04-01 2025-03-31 07083629 5 2023-04-01 2024-03-31 07083629 1 2024-04-01 2025-03-31 07083629 e:Director1 2024-04-01 2025-03-31 07083629 e:Director2 2024-04-01 2025-03-31 07083629 e:RegisteredOffice 2024-04-01 2025-03-31 07083629 d:Buildings 2024-04-01 2025-03-31 07083629 d:Buildings 2025-03-31 07083629 d:Buildings 2024-03-31 07083629 d:Buildings d:OwnedOrFreeholdAssets 2024-04-01 2025-03-31 07083629 d:PlantMachinery 2024-04-01 2025-03-31 07083629 d:MotorVehicles 2024-04-01 2025-03-31 07083629 d:MotorVehicles 2025-03-31 07083629 d:MotorVehicles 2024-03-31 07083629 d:MotorVehicles d:OwnedOrFreeholdAssets 2024-04-01 2025-03-31 07083629 d:OfficeEquipment 2024-04-01 2025-03-31 07083629 d:OfficeEquipment 2025-03-31 07083629 d:OfficeEquipment 2024-03-31 07083629 d:OfficeEquipment d:OwnedOrFreeholdAssets 2024-04-01 2025-03-31 07083629 d:OwnedOrFreeholdAssets 2024-04-01 2025-03-31 07083629 d:PatentsTrademarksLicencesConcessionsSimilar 2024-04-01 2025-03-31 07083629 d:PatentsTrademarksLicencesConcessionsSimilar 2025-03-31 07083629 d:PatentsTrademarksLicencesConcessionsSimilar 2024-03-31 07083629 d:CurrentFinancialInstruments 2025-03-31 07083629 d:CurrentFinancialInstruments 2024-03-31 07083629 d:Non-currentFinancialInstruments 2025-03-31 07083629 d:Non-currentFinancialInstruments 2024-03-31 07083629 d:CurrentFinancialInstruments d:WithinOneYear 2025-03-31 07083629 d:CurrentFinancialInstruments d:WithinOneYear 2024-03-31 07083629 d:Non-currentFinancialInstruments d:AfterOneYear 2025-03-31 07083629 d:Non-currentFinancialInstruments d:AfterOneYear 2024-03-31 07083629 d:Non-currentFinancialInstruments d:BetweenOneTwoYears 2025-03-31 07083629 d:Non-currentFinancialInstruments d:BetweenOneTwoYears 2024-03-31 07083629 d:Non-currentFinancialInstruments d:BetweenTwoFiveYears 2025-03-31 07083629 d:Non-currentFinancialInstruments d:BetweenTwoFiveYears 2024-03-31 07083629 d:Non-currentFinancialInstruments d:MoreThanFiveYears 2025-03-31 07083629 d:Non-currentFinancialInstruments d:MoreThanFiveYears 2024-03-31 07083629 d:UKTax 2024-04-01 2025-03-31 07083629 d:UKTax 2023-04-01 2024-03-31 07083629 d:ShareCapital 2024-04-01 2025-03-31 07083629 d:ShareCapital 2025-03-31 07083629 d:ShareCapital 2023-04-01 2024-03-31 07083629 d:ShareCapital 2024-03-31 07083629 d:ShareCapital 2023-04-01 07083629 d:RetainedEarningsAccumulatedLosses 2024-04-01 2025-03-31 07083629 d:RetainedEarningsAccumulatedLosses 2025-03-31 07083629 d:RetainedEarningsAccumulatedLosses 2023-04-01 2024-03-31 07083629 d:RetainedEarningsAccumulatedLosses 2024-03-31 07083629 d:RetainedEarningsAccumulatedLosses 2023-04-01 07083629 d:FinancialAssetsDesignatedFairValueThroughProfitOrLoss 2025-03-31 07083629 d:FinancialAssetsDesignatedFairValueThroughProfitOrLoss 2024-03-31 07083629 d:FinancialLiabilitiesFairValueThroughProfitOrLoss d:UnlistedNon-exchangeTraded 2025-03-31 07083629 d:FinancialLiabilitiesFairValueThroughProfitOrLoss d:UnlistedNon-exchangeTraded 2024-03-31 07083629 e:OrdinaryShareClass1 2024-04-01 2025-03-31 07083629 e:OrdinaryShareClass1 2025-03-31 07083629 e:OrdinaryShareClass2 2024-04-01 2025-03-31 07083629 e:OrdinaryShareClass2 2025-03-31 07083629 e:FRS102 2024-04-01 2025-03-31 07083629 e:Audited 2024-04-01 2025-03-31 07083629 e:FullAccounts 2024-04-01 2025-03-31 07083629 e:PrivateLimitedCompanyLtd 2024-04-01 2025-03-31 07083629 d:WithinOneYear 2025-03-31 07083629 d:WithinOneYear 2024-03-31 07083629 d:BetweenOneFiveYears 2025-03-31 07083629 d:BetweenOneFiveYears 2024-03-31 07083629 d:MoreThanFiveYears 2025-03-31 07083629 d:MoreThanFiveYears 2024-03-31 07083629 d:PlantEquipmentOtherAssetsUnderOperatingLeases 2025-03-31 07083629 d:PlantEquipmentOtherAssetsUnderOperatingLeases 2024-03-31 07083629 d:PlantEquipmentOtherAssetsUnderOperatingLeases d:WithinOneYear 2025-03-31 07083629 d:PlantEquipmentOtherAssetsUnderOperatingLeases d:WithinOneYear 2024-03-31 07083629 d:PlantEquipmentOtherAssetsUnderOperatingLeases d:BetweenOneFiveYears 2025-03-31 07083629 d:PlantEquipmentOtherAssetsUnderOperatingLeases d:BetweenOneFiveYears 2024-03-31 07083629 d:PatentsTrademarksLicencesConcessionsSimilar d:ExternallyAcquiredIntangibleAssets 2024-04-01 2025-03-31 07083629 2 2024-04-01 2025-03-31 07083629 d:PatentsTrademarksLicencesConcessionsSimilar d:OwnedIntangibleAssets 2024-04-01 2025-03-31 07083629 f:PoundSterling 2024-04-01 2025-03-31 iso4217:GBP xbrli:shares xbrli:pure

Registered number: 07083629









PANDLE LTD









ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2025

 
PANDLE LTD
 
 
COMPANY INFORMATION


Directors
L Murphy 
M Yapp 




Registered number
07083629



Registered office
70 Grange Road East

Wirral

United Kingdom

CH41 5FE




Independent auditors
Barnes Roffe Audit Limited
Chartered Accountants & Statutory Auditors

3 Brook Business Centre

Cowley Mill Road

Uxbridge

Middlesex

UB8 2FX





 
PANDLE LTD
 

CONTENTS



Page
Strategic report
1
Directors' report
2 - 3
Independent auditors' report
4 - 7
Statement of comprehensive income
8
Statement of financial position
9
Statement of changes in equity
10
Statement of cash flows
11 - 12
Analysis of net debt
13
Notes to the financial statements
14 - 28


 
PANDLE LTD
 
 
STRATEGIC REPORT
FOR THE YEAR ENDED 31 MARCH 2025

Introduction
 
The directors present their Strategic report for the company for the year ended 31 March 2025.

Business review and future developments
 
The company provides accountancy services, focusing on delivering high-quality solutions to clients in the UK. We aim to be a leader in our field, known for reliability, innovation, and customer satisfaction.

The company experienced a year of revenue growth, supported by continued demand and ongoing efforts to improve operational efficiency.

Financial performance

For the year ended 31 March 2025, the company increased revenue by 11% to £10.75 million (2024 - £9.66 million). However, EBITDA declined by 20% to £1.73 million (2024 - £2.17 million), primarily due to increased costs despite the higher sales.

Principal risks and uncertainties
 
The company faces risks including:

• 
Economic uncertainty: We mitigate this by maintaining a diverse customer base and adjusting our cost  structure.

• 
Regulatory compliance: We closely monitor relevant legal and industry changes to ensure compliance and adjust operations as needed.

Outlook
 
Looking ahead, the company remains focused on sustainable growth through innovation and efficiency improvements. We are confident in our ability to continue delivering strong results in the coming year.

Other key performance indicators
 
All suppliers were paid on company terms. 

The Company’s cash position remained strong and within the parameters agreed between the shareholders and
management.


This report was approved by the board on 21 November 2025 and signed on its behalf.



L Murphy
Director

Page 1

 
PANDLE LTD
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 MARCH 2025

The directors present their report and the financial statements for the year ended 31 March 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;

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.

Going concern

The directors note that the Company is trading adequately and has sufficient working capital and other finance available to continue trading for a period of not less than 12 months from the date of approval of these financial statements. As such, the directors believe that there are no significant uncertainties in their assessment of whether the Company is a going concern and therefore have prepared the accounts on a going concen basis.

Results and dividends

The profit for the year, after taxation, amounted to £1,141,231 (2024 - £1,634,737).

During the year, the Company paid dividends of £1,552,000 (2024 - £1,289,273).

Directors

The directors who served during the year were:

L Murphy 
M Yapp 

Page 2

 
PANDLE LTD
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025

Future developments

The company aims to continue its steady growth by strengthening its core service offerings and expanding its client base across key sectors. Investment in technology remains a priority, with plans to enhance operational efficiency and service delivery. Staff development and retention remain central to the company’s strategy, with continued focus on training, professional development, and maintaining a positive working environment.

Matters covered in the Strategic report

The company has chosen in accordance with section 414C of the Companies Act 2006, to set out financial risk management objectives and policies within 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'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 are no subsequent events that require disclosure or adjustments to the financial statements.

Auditors

After the year end Barnes Roffe LLP resigned as auditors due to the transfer of its audit business and its successor Barnes Roffe Audit Limited was appointed by the directors under s485 Companies Act 2006.

This report was approved by the board on 21 November 2025 and signed on its behalf.
 





L Murphy
Director

Page 3

 
PANDLE LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANDLE LTD
 

Opinion


We have audited the financial statements of Pandle Ltd (the 'Company') for the year ended 31 March 2025, which comprise 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 31 March 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 4

 
PANDLE LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANDLE 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 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 2, 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 5

 
PANDLE LTD
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANDLE 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 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.

The engagement partner ensured that the risks of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, was as follows:
 
The engagement partner ensured that the engagement team collectively had the appropriate competence, capabilities and skills to identify or recognise non-compliance with applicable laws and regulations;
We identified the laws and regulations applicable to the Company through discussion with members and other management, and from our commercial knowledge and experience of the relevant sector;
The specific laws and regulations which we considered may have a direct material effect on the financial statements or the operations of the Company, are as follows:
 
°Companies Act 2006.
°FRS102.
°Employment legislation.
°Tax legislation.
 
We assessed the extent of compliance with the laws and regulations identified above through making enquiries of; and
Laws and regulations were communicated within the audit team at the planning meeting, and during the audit as any further laws and regulations were identified. The audit team remained alert to instances of non-compliance throughout the audit.
 
We assessed the susceptibility of the Company's financial statements to material misstatement, including obtaining an understanding of how fraud might occur by:
 
Making enquiries of management as to where they consider there was susceptibility to fraud and their knowledge of actual suspected and alleged fraud;
Considering the internal controls in place to mitigate risks of fraud and non-compliance with laws and regulations;
Reviewing the financial statements and testing the disclosures against suporting documentation;
Performing analytical procedures to identify any unusual or unexpected trends or anomalies;
Inspecting and testing journal entries to identify unusual or unexpected transactions;
Assessing whether judgement and assumptions made in determining significant accounting estimates were indicative of mangement bias; and
Investigating the rationale behind significant transactions, or transactions that are unuusual or outside the Company's usual core of business.


 
Page 6

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



The areas that we identified as being susceptible to misstatement through fraud were:
 
Management bias in the estimates and judgements made;
Management override of controls; and
Posting of unusual journals or transactions.
 
Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance. The risk is also greater regarding irregularities occuring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.


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.





Elliot S J Arwas (Senior statutory auditor)
for and on behalf of
Barnes Roffe Audit Limited
Chartered Accountants & Statutory Auditors
3 Brook Business Centre
Cowley Mill Road
Uxbridge
Middlesex
UB8 2FX

24 November 2025
Page 7

 
PANDLE LTD
 
 
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 MARCH 2025

2025
2024
£
£

  

Turnover
 4 
10,745,814
9,662,916

Cost of sales
  
(2,412,597)
(2,324,856)

Gross profit
  
8,333,217
7,338,060

Distribution costs
  
(631,929)
(668,076)

Administrative expenses
  
(6,524,116)
(4,969,768)

Operating profit
 5 
1,177,172
1,700,216

Fair value movement of listed investments
  
(120)
(28,858)

Interest receivable and similar income
 9 
10,185
12,549

Interest payable and similar expenses
 10 
(143,543)
(46,786)

Profit before tax
  
1,043,694
1,637,121

Tax on profit
 11 
97,537
(2,384)

Profit for the financial year
  
1,141,231
1,634,737

Total comprehensive income for the year
  
1,141,231
1,634,737

The notes on pages 14 to 28 form part of these financial statements.

Page 8

 
PANDLE LTD
REGISTERED NUMBER: 07083629

STATEMENT OF FINANCIAL POSITION
AS AT 31 MARCH 2025

2025
2024
Note
£
£

Fixed assets
  

Intangible assets
 13 
4,519,303
3,870,817

Tangible assets
 14 
2,831,408
2,804,778

  
7,350,711
6,675,595

Current assets
  

Debtors: amounts falling due within one year
 15 
769,444
667,195

Current asset investments
 16 
17,478
17,598

Cash at bank and in hand
 17 
656,604
1,384,104

  
1,443,526
2,068,897

Creditors: amounts falling due within one year
 18 
(2,315,926)
(1,789,827)

Net current (liabilities)/assets
  
 
 
(872,400)
 
 
279,070

Total assets less current liabilities
  
6,478,311
6,954,665

Creditors: amounts falling due after more than one year
 19 
(1,597,562)
(1,663,147)

  

Net assets
  
4,880,749
5,291,518


Capital and reserves
  

Called up share capital 
 22 
10,100
10,100

Profit and loss account
 23 
4,870,649
5,281,418

  
4,880,749
5,291,518


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 21 November 2025.




L Murphy
Director

The notes on pages 14 to 28 form part of these financial statements.

Page 9

 
PANDLE LTD
 

STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025


Called up share capital
Profit and loss account
Total equity

£
£
£

At 1 April 2024
10,100
5,281,418
5,291,518


Comprehensive income for the year

Profit for the year
-
1,141,231
1,141,231
Total comprehensive income for the year
-
1,141,231
1,141,231


Contributions by and distributions to owners

Dividends: Equity capital
-
(1,552,000)
(1,552,000)


At 31 March 2025
10,100
4,870,649
4,880,749



STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2024


Called up share capital
Profit and loss account
Total equity

£
£
£

At 1 April 2023
10,100
4,935,954
4,946,054


Comprehensive income for the year

Profit for the year
-
1,634,737
1,634,737
Total comprehensive income for the year
-
1,634,737
1,634,737


Contributions by and distributions to owners

Dividends: Equity capital
-
(1,289,273)
(1,289,273)


At 31 March 2024
10,100
5,281,418
5,291,518


The notes on pages 14 to 28 form part of these financial statements.

Page 10

 
PANDLE LTD
 

STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2025

2025
2024
£
£

Cash flows from operating activities

Profit for the financial year
1,141,231
1,634,737

Adjustments for:

Amortisation of intangible assets
502,145
430,091

Depreciation of tangible assets
48,394
41,722

Loss on disposal of tangible assets
7,403
-

Interest paid
143,543
46,786

Interest received
(10,185)
(12,549)

Taxation charge
(97,537)
2,384

(Increase)/decrease in trade debtors
(4,712)
369,285

Increase in creditors
537,243
364,795

Corporation tax paid
(2,384)
(1,094)

Fair value movement of the current asset investment
120
28,858

Net cash generated from operating activities

2,265,261
2,905,015


Cash flows from investing activities

Purchase of intangible fixed assets
(1,158,034)
(1,104,712)

Purchase of tangible fixed assets
(75,024)
(2,723,101)

Interest received
10,185
12,549

Net cash used in investing activities

(1,222,873)
(3,815,264)
Page 11

 
PANDLE LTD
 

STATEMENT OF CASH FLOWS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025


2025
2024

£
£



Cash flows from financing activities

New secured loans
-
1,874,707

Repayment of loans
(74,345)
-

Dividends paid
(1,552,000)
(1,289,273)

Interest paid
(143,543)
(46,786)

Net cash (used in)/generated from in financing activities
(1,769,888)
538,648

Net decrease in cash and cash equivalents
(727,500)
(371,601)

Cash and cash equivalents at beginning of year
1,384,104
1,755,705

Cash and cash equivalents at the end of year
656,604
1,384,104


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
656,604
1,384,104

656,604
1,384,104


The notes on pages 14 to 28 form part of these financial statements.

Page 12

 
PANDLE LTD
 

ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 31 MARCH 2025





At 1 April 2024
Cash flows
Other non-cash changes
At 31 March 2025
£

£

£

£

Cash at bank and in hand

1,384,104

(727,500)

-

656,604

Debt due after 1 year

(1,663,147)

65,585

-

(1,597,562)

Debt due within 1 year

(211,560)

8,760

-

(202,800)

Liquid investments

17,598

-

(120)

17,478


(473,005)
(653,155)
(120)
(1,126,280)

The notes on pages 14 to 28 form part of these financial statements.

Page 13

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

1.


General information

Pandle Ltd is a company limited by shares, incorporated in England and Wales. The address of the registered office is 70 Grange Road East, Wirral, United Kingdom, CH41 5FE.

The Company specialises in accountancy and software services.

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 financial statements are prepared in sterling, which is the functional currency of the Company. 

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 principal accounting polices adopted are set out below.

 
2.2

Going concern

The directors note that the Company is trading adequately and has sufficient working capital and other finance available to continue trading for a period of not less than 12 months from the date of approval of these financial statements. As such, the directors believe that there are no significant uncertainties in their assessment of whether the Company is a going concern and therefore have prepared the accounts on a going concen basis.

 
2.3

Revenue

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Company 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. The following criteria must also be met before revenue is recognised:

Rendering of services

Revenue from a contract to provide services is recognised in the period in which the services are provided in accordance with the stage of completion of the contract when all of the following conditions are satisfied:
the amount of revenue can be measured reliably;
it is probable that the Company will receive the consideration due under the contract;
the stage of completion of the contract at the end of the reporting period can be measured reliably; and
the costs incurred and the costs to complete the contract can be measured reliably.

Page 14

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.4

Operating leases: the Company as lessee

Rentals paid under operating leases are charged to the Statement of comprehensive income on a straight-line basis over the lease term.

 
2.5

Interest income

Interest income is recognised in the Statement of comprehensive income using the effective interest method.

 
2.6

Finance costs

Finance costs are charged to the Statement of comprehensive income 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.

 
2.7

Taxation

The tax expense for the year comprises current and deferred tax. Tax is recognised in the Statement of comprehensive income 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 15

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.8

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.

 
2.9

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.

 The estimated useful lives range as follows:

Software
-
10% reducing balance

 
2.10

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, on a reducing balance basis.

Depreciation is provided on the following basis:

Freehold property
-
not depreciated
Plant and machinery
-
20% reducing balance
Motor vehicles
-
20% reducing balance

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 the Statement of comprehensive income.

Page 16

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.11

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.

 
2.12

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.

 
2.13

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.

  
2.14

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 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 Company's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

 
Page 17

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

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

At the end of each reporting period financial assets measured at amortised cost are assessed for objective evidence of impairment. If an asset is impaired the impairment loss is the difference between the carrying amount and the present value of the estimated cash flows discounted at the asset’s original effective interest rate. The impairment loss is recognised in profit or loss. 

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.

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 Company after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans and other loans 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.

 
Page 18

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

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 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.

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 Company 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 Company will continue to recognise the value of the portion of the risks and rewards retained.

 
2.15

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.

  
2.16

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 charged as an expense to the Statement of comprehensive income.

  
2.17

Current asset investments

Equity investments are measured at fair value through the Statement of comprehensive income, except for those equity investments that are not publicly traded and whose fair value cannot otherwise be measured reliably, which are recognised at cost less impairment until a reliable measure of fair value becomes available.

Page 19

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

3.


Judgments in applying accounting policies and key sources of estimation uncertainty

In the application of the company’s accounting policies, the directors are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

The company has capitalised development costs as internally generated intangible assets in accordance with Section 18 of FRS 102. Significant judgement is required in determining whether the conditions for capitalisation are met. These include assessing whether the project is technically feasible, the company intends and is able to complete and use or sell the intangible asset, and whether the asset is expected to generate future economic benefits.

Judgement is also applied in distinguishing between the research phase (which is expensed as incurred) and the development phase (which may be capitalised), as well as in estimating the expected useful life of the asset and selecting an appropriate amortisation method.


4.


Turnover

All turnover related to the company's principal activity and arose within the United Kingdom.


5.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Depreciation
48,394
41,722

Amortisation
502,145
430,091

Other operating lease rentals
129,877
134,544

Loss on disposal of intangible assets
7,403
-


6.


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
12,600
12,000

Fees payable to the Company's auditors for non-audit services
1,260
1,200
Page 20

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

7.


Employees

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


2025
2024
£
£

Wages and salaries
4,166,639
4,004,841

Social security costs
386,889
85,966

Cost of defined contribution scheme
84,579
72,871

4,638,107
4,163,678


The average monthly number of employees, including directors, during the year was 126 (2024 - 115).


8.


Directors' remuneration

2025
2024
£
£

Directors' emoluments
13,401
25,439

13,401
25,439


During the year retirement benefits were accruing to no directors (2024 - Nil) in respect of defined contribution pension schemes.


9.


Interest receivable

2025
2024
£
£


Other interest receivable
10,185
12,549

10,185
12,549


10.


Interest payable and similar expenses

2025
2024
£
£


Bank interest payable
143,543
46,786

143,543
46,786

Page 21

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

11.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
(97,537)
2,384

Total current tax
(97,537)
2,384

Deferred tax

Total deferred tax
-
-


(97,537)
2,384

Factors affecting tax (credit)/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 - 19%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
1,043,694
1,637,121


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 19%)
260,924
311,053

Effects of:


Expenses not deductible for tax purposes
135,316
90,540

Capital allowances for year in excess of depreciation
(9,589)
(2,616)

Utilisation of tax losses
(66,554)
(65,921)

Other timing differences leading to an increase in taxation
1,931
-

Research and developments tax credits
(419,565)
(330,672)

Total tax (credit)/charge charge for the year
(97,537)
2,384


Factors that may affect future tax charges

There are no significant that may affect future tax charges.

Page 22

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

12.


Dividends

2025
2024
£
£


Dividends paid
1,552,000
1,289,273

1,552,000
1,289,273

The directors had an interest in dividends of £1,552,000 (2024 - £1,289,273).


13.


Intangible assets




Software

£



Cost


At 1 April 2024
5,683,038


Additions
1,158,034


Disposals
(23,591)



At 31 March 2025

6,817,481



Amortisation


At 1 April 2024
1,812,221


Charge for the year
502,145


On disposals
(16,188)



At 31 March 2025

2,298,178



Net book value



At 31 March 2025
4,519,303



At 31 March 2024
3,870,817



Page 23

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

14.


Tangible fixed assets





Freehold property
Motor vehicles
Office equipment
Total

£
£
£
£



Cost or valuation


At 1 April 2024
2,637,886
87,221
152,242
2,877,349


Additions
-
-
75,024
75,024



At 31 March 2025

2,637,886
87,221
227,266
2,952,373



Depreciation


At 1 April 2024
-
24,355
48,216
72,571


Charge for the year
-
12,573
35,821
48,394



At 31 March 2025

-
36,928
84,037
120,965



Net book value



At 31 March 2025
2,637,886
50,293
143,229
2,831,408



At 31 March 2024
2,637,886
62,866
104,026
2,804,778


15.


Debtors

2025
2024
£
£


Trade debtors
661,807
665,403

Other debtors
107,637
1,792

769,444
667,195



16.


Current asset investments

2025
2024
£
£

Listed investments
17,478
17,598

17,478
17,598


Page 24

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

17.


Cash and cash equivalents

2025
2024
£
£

Cash at bank and in hand
656,604
1,384,104

656,604
1,384,104



18.


Creditors: Amounts falling due within one year

2025
2024
£
£

Bank loans
202,800
211,560

Trade creditors
449,494
434,478

Corporation tax
-
2,384

Other taxation and social security
582,491
515,633

Other creditors
179,145
160,865

Accruals and deferred income
901,996
464,907

2,315,926
1,789,827



19.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Bank loans
1,597,562
1,663,147

1,597,562
1,663,147


Page 25

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

20.


Loans


Analysis of the maturity of loans is given below:


2025
2024
£
£

Amounts falling due within one year

Bank loans
202,800
211,560

Amounts falling due 1-2 years

Bank loans
202,800
211,560

Amounts falling due 2-5 years

Bank loans
608,400
634,280

Amounts falling due after more than 5 years

Bank loans
786,362
817,307

1,800,362
1,874,707



21.


Financial instruments

2025
2024
£
£

Financial assets


Financial assets that are debt instruments measured at amortised cost
769,444
667,195

Financial assets measured at fair value through profit or loss
17,478
17,598

786,922
684,793


Financial liabilities


Financial liabilities measured at amortised cost
2,429,001
2,470,050


Financial assets that are debt instruments measured at amortised cost comprise trade and other debtors.

Financial assets that are measured through profit or loss comprise current asset investments.

Financial liabilities that are debt instruments measured at amortised cost comprise bank loans, trade creditors and other creditors.

Page 26

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

22.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



10,000 Ordinary shares of £1.00 each
10,000
10,000
1,000 B Preference shares of £0.10 each
100
100

10,100

10,100

The Ordinary shares carry voting rights and rank pari passu other than for redeemable Preference shares which have different rights attached.

The 'B' Preference shares carry no voting rights unless no dividend has been paid in 12 months following each anniversary of their issue. In the event of dividends not being paid then each share shall have a vote equivalent to each Ordinary share.



23.


Reserves

Profit and loss account

The profit and loss account includes all current and prior year retained profits and losses.


24.


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 £84,579 (2024 - £72,871). Contributions totalling £18,308 (2024 - £Nil) were payable to the fund at the balance sheet date and are included in creditors.

Page 27

 
PANDLE LTD
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

25.


Commitments under operating leases

At 31 March 2025 the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2025
2024
£
£

Land and buildings


Not later than 1 year
112,240
112,240

Later than 1 year and not later than 5 years
413,904
449,268

Later than 5 years
-
76,876

526,144
638,384

2025
2024

£
£

Other


Not later than 1 year
10,992
-

Later than 1 year and not later than 5 years
10,992
-

21,984
-


26.


Transactions with directors

Included within other creditors due within one year is an amount owed to a director, amounting to £41,710 (2024 - £1,692 owed by).


27.


Post balance sheet events

There are no subsequent events that require disclosure or adjustments to the financial statements.


28.


Controlling party

The ultimate controlling party is the director L Murphy by virtue of his majority shareholding in the Company.
 
Page 28