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Registered number: 11999497
CFS Wealth Planning Limited
Financial Statements
For The Year Ended 31 August 2025
CFS Wealth Planning Limited
Contents
Contents

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

Page 1
CFS Wealth Planning Limited
Balance Sheet
As At 31 August 2025
Balance Sheet
Registered number: 11999497

| 2025 | 2024
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Intangible Assets | 4 |  | 1,443,613 |  | 1,806,886
Tangible Assets | 5 |  | 64,316 |  | 2,085
|  |  | 1,507,929 |  | 1,808,971
CURRENT ASSETS
Debtors | 6 | 146,375 |  | 127,280 |
Investments | 7 | 1,638,566 |  | 1,638,566 |
Cash at bank and in hand |  | 87,501 |  | 54,840 |
|  | 1,872,442 |  | 1,820,686 |
Creditors: Amounts Falling Due Within One Year | 8 | (985,679 ) |  | (908,149 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | 886,763 |  | 912,537
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 2,394,692 |  | 2,721,508
Creditors: Amounts Falling Due After More Than One Year | 9 |  | (1,743,787 ) |  | (2,276,349 )
PROVISIONS FOR LIABILITIES
Deferred Taxation |  |  | (16,079 ) |  | -
NET ASSETS |  |  | 634,826 |  | 445,159
CAPITAL AND RESERVES
Called up share capital | 10 |  | 330 |  | 330
Profit and Loss Account |  |  | 634,496 |  | 444,829
SHAREHOLDERS' FUNDS |  |  | 634,826 |  | 445,159

Page 1
Page 2
CFS Wealth Planning Limited
Balance Sheet (continued)
As At 31 August 2025
For the year ending 31 August 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.
The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.
On behalf of the board

Mr J N Bove Director | Mr R Brand Director | Mr M L Blackwell Director
28th January 2026

The notes on pages 3 to 5 form part of these financial statements.
Page 2
Page 3
CFS Wealth Planning Limited
Notes to the Financial Statements
For The Year Ended 31 August 2025
Notes to the Financial Statements
1. General Information
CFS Wealth Planning Limited is a private company, limited by shares, incorporated in England & Wales, registered number 11999497 . The registered office is 15-17 Osborns Court, Olney, Buckinghamshire, MK46 4LA.
2. Accounting Policies
2.1. Basis of Preparation of Financial Statements
The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.
2.2. Turnover
Related party exemption
The company has taken advantage of exemption, under the terms of Financial Reporting Standard 102 'The
Financial Reporting Standard applicable in the UK and Republic of Ireland', not to disclose related party
transactions with wholly owned subsidiaries within the group.
Revenue recognition
Revenue is recognised at the point in time when the Company has the right to receive payment for its services.
2.3. Intangible Fixed Assets and Amortisation - Goodwill
Goodwill
Goodwill, being the amount paid in connection with the acquisition of a business in 2019, is being amortised
evenly over its estimated useful life of ten years.
2.4. Tangible Fixed Assets and Depreciation
Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Motor Vehicles | 25% Reducing Balance
Fixtures & Fittings | 25% Reducing Balance & 3 Year SL

2.5. Taxation
Impairment
Assets not measured at fair value are reviewed for any indication that the asset may be impaired at each
balance sheet date. If such indication exists, the recoverable amount of the asset, or the asset's cash
generating unit, is estimated and compared to the carrying amount. Where the carrying amount exceeds its
recoverable amount, an impairment loss is recognised in profit or loss unless the asset is carried at a revalued
amount where the impairment loss is a revaluation decrease.
Investments in subsidiaries
Investments in subsidiary undertakings are recognised at cost.
Taxation
Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and
Retained Earnings, 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.
Interest receivable
Interest income is recognised using the effective interest method and dividend income is recognised as the
company's right to receive payment is established.
Page 3
Page 4
CFS Wealth Planning Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 August 2025
2.6. Pensions
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. Average Number of Employees
Average number of employees, including directors, during the year was: 6 (2024: 7)
6 7
4. Intangible Assets

| Goodwill
--- | ---
| £
Cost
As at 1 September 2024 | 3,614,095
As at 31 August 2025 | 3,614,095
Amortisation
As at 1 September 2024 | 1,807,209
Provided during the period | 363,273
As at 31 August 2025 | 2,170,482
Net Book Value
As at 31 August 2025 | 1,443,613
As at 1 September 2024 | 1,806,886

5. Tangible Assets

| Motor Vehicles | Fixtures & Fittings | Total
--- | --- | --- | ---
| £ | £ | £
Cost
As at 1 September 2024 | - | 10,428 | 10,428
Additions | 67,730 | 999 | 68,729
As at 31 August 2025 | 67,730 | 11,427 | 79,157
Depreciation
As at 1 September 2024 | - | 8,343 | 8,343
Provided during the period | 5,644 | 854 | 6,498
As at 31 August 2025 | 5,644 | 9,197 | 14,841
Net Book Value
As at 31 August 2025 | 62,086 | 2,230 | 64,316
As at 1 September 2024 | - | 2,085 | 2,085

Page 4
Page 5
CFS Wealth Planning Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 August 2025
6. Debtors

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Due within one year
Trade debtors | 146,375 |  | 127,280

Debtors and creditors receivable / payable within one year
Debtors and creditors with no stated interest rate and receivable or payable within one year are recorded at
transaction price. Any losses arising from impairment are recognised in the profit and loss account in other
administrative expenses.
Provisions
Provisions are recognised when the company has an obligation at the balance sheet date as a result of a past
event, it is probable that an outflow of economic benefits will be required in settlement and the amount can be
reliably estimated.
7. Current Asset Investments

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Shares in subsidiaries | 1,638,566 |  | 1,638,566

8. Creditors: Amounts Falling Due Within One Year

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Trade creditors | 20,350 |  | 34,899
Bank loans and overdrafts | 532,562 |  | 532,562
Corporation tax | 269,467 |  | 237,388
Accruals and deferred income | 3,000 |  | 3,000
Directors' loan accounts | 160,000 |  | 100,000
Amounts owed to group undertakings | 300 |  | 300
| 985,679 |  | 908,149

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

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Bank loans | 1,743,787 |  | 2,276,349

10. Share Capital

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 330 |  | 330

Page 5