REGISTERED NUMBER: 11372620 (England and Wales)

PENTINS FINANCIAL PLANNERS LTD

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2025

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

Ms S J Secomb

Mr O Secomb

REGISTERED OFFICE:

Canterbury Innovation Centre

University Road

Canterbury

Kent

CT2 7FG

REGISTERED NUMBER:

11372620 (England and Wales)

ACCOUNTANTS:

Spurling Cannon

Chartered Certified Accountants

424 Margate Road

Westwood

Ramsgate

Kent

CT12 6SJ

FIXED ASSETS

Intangible assets

4

82,500

110,000

Tangible assets

5

76,097

52,340

158,597

162,340

CURRENT ASSETS

Debtors

6

35,283

37,636

Cash at bank and in hand

14,028

3,812

49,311

41,448

CREDITORS

Amounts falling due within one year

7

(41,554

)

(57,733

)

NET CURRENT ASSETS/(LIABILITIES)

7,757

(16,285

)

TOTAL ASSETS LESS CURRENT LIABILITIES

166,354

146,055

CREDITORS

Amounts falling due after more than one year

8

(41,007

)

(22,500

)

NET ASSETS

125,347

123,555

CAPITAL AND RESERVES

Called up share capital

100

100

Retained earnings

125,247

123,455

SHAREHOLDERS' FUNDS

125,347

123,555

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 March 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 March 2025 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for:

(a)	ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b)

preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

The financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

In accordance with Section 444 of the Companies Act 2006, the Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 23 December 2025 and were signed on its behalf by:

Ms S J Secomb - Director

1.	STATUTORY INFORMATION

Pentins Financial Planners Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

2.	ACCOUNTING POLICIES

Basis of preparing the financial statements

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

Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Goodwill

Goodwill, being the amount paid in connection with the acquisition of a business in 2018, is being amortised evenly over its estimated useful life of ten years.

Intangible assets

Intangible assets are initially measured at cost. After initial recognition, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Fixture & Fittings

-

25% on reducing balance

Computer equipment

-

25% on reducing balance

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the balance sheet date.

Deferred tax

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

Pension costs and other post-retirement benefits

The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 9 (2024 - 7 ) .

4.	INTANGIBLE FIXED ASSETS

Goodwill

£

COST

At 1 April 2024

and 31 March 2025

275,000

AMORTISATION

At 1 April 2024

165,000

Charge for year

27,500

At 31 March 2025

192,500

NET BOOK VALUE

At 31 March 2025

82,500

At 31 March 2024

110,000

5.	TANGIBLE FIXED ASSETS

Fixture &

Motor

Computer

Fittings

vehicles

equipment

Totals

£

£

£

£

COST

At 1 April 2024

9,860

98,880

16,367

125,107

Additions

1,026

46,290

1,809

49,125

At 31 March 2025

10,886

145,170

18,176

174,232

DEPRECIATION

At 1 April 2024

5,565

56,851

10,351

72,767

Charge for year

1,331

22,080

1,957

25,368

At 31 March 2025

6,896

78,931

12,308

98,135

NET BOOK VALUE

At 31 March 2025

3,990

66,239

5,868

76,097

At 31 March 2024

4,295

42,029

6,016

52,340

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Pentins Financial Planning

-

2,348

Women's Wealth Ltd

35,000

35,000

Prepayments

283

288

35,283

37,636

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Hire purchase contracts

4,322

-

Corporation Tax

1,244

-

Social security and other taxes

1,955

2,581

PFPG Ltd

9,896

55,015

Directors' current accounts

24,137

137

41,554

57,733

8.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2025

2024

£

£

Bank loans - 2-5 years

12,500

22,500

Hire purchase contracts

28,507

-

41,007

22,500