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Registered Number 09400427

STEM FINANCIAL LTD

Micro-entity Accounts

31 January 2026

## STEM FINANCIAL LTD Registered Number 09400427

## Micro-entity Balance Sheet as at 31 January 2026

| Notes | 2026 | 2025
--- | --- | --- | ---
|  | £ | £
Fixed Assets |  | 101,049 | 118,338
Current Assets |  | 21,870 | 18,142
Prepayments and accrued income |  | 2,769 | 2,331
Creditors: amounts falling due within one year |  | (29,377) | (36,976)
Net current assets (liabilities) |  | (4,738) | (16,503)
Total assets less current liabilities |  | 96,311 | 101,835
Creditors: amounts falling due after more than one year |  | (65,466) | (75,478)
Accruals and deferred income |  | (555) | (529)
Total net assets (liabilities) |  | 30,290 | 25,828
Capital and reserves |  | 30,290 | 25,828

- For the year ending 31 January 2026 the company was entitled to exemption 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 Companies Act 2006 with respect to accounting records and the preparation of accounts.
- The accounts have been prepared in accordance with the micro-entity provisions and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

Approved by the Board on 12 March 2026

And signed on their behalf by:
Benjamin Baldwin, Director

## STEM FINANCIAL LTD Registered Number 09400427

## Notes to the Micro-entity Accounts for the period ended 31 January 2026

1 Employees

| 2026 | 2025
--- | --- | ---
Average number of employees during the period | 4 | 4