IRIS Accounts Production v25.4.0.155 10592352 Board of Directors 1.2.25 31.1.26 31.1.26 false true false false true false iso4217:GBP iso4217:USD iso4217:EUR xbrli:shares xbrli:pure utr:tonnes utr:kWh 10592352 2025-01-31 10592352 2026-01-31 10592352 2025-02-01 2026-01-31 10592352 2024-01-31 10592352 2024-02-01 2025-01-31 10592352 2025-01-31 10592352 ns15:EnglandWales 2025-02-01 2026-01-31 10592352 ns14:PoundSterling 2025-02-01 2026-01-31 10592352 ns10:Director1 2025-02-01 2026-01-31 10592352 ns10:PrivateLimitedCompanyLtd 2025-02-01 2026-01-31 10592352 ns10:SmallEntities 2025-02-01 2026-01-31 10592352 ns10:AuditExempt-NoAccountantsReport 2025-02-01 2026-01-31 10592352 ns10:SmallCompaniesRegimeForDirectorsReport 2025-02-01 2026-01-31 10592352 ns10:SmallCompaniesRegimeForAccounts 2025-02-01 2026-01-31 10592352 ns10:FullAccounts 2025-02-01 2026-01-31 10592352 ns10:Director2 2025-02-01 2026-01-31 10592352 ns10:RegisteredOffice 2025-02-01 2026-01-31 10592352 ns5:CurrentFinancialInstruments 2026-01-31 10592352 ns5:CurrentFinancialInstruments 2025-01-31 10592352 ns5:Non-currentFinancialInstruments 2026-01-31 10592352 ns5:Non-currentFinancialInstruments 2025-01-31 10592352 ns5:ShareCapital 2026-01-31 10592352 ns5:ShareCapital 2025-01-31 10592352 ns5:RetainedEarningsAccumulatedLosses 2026-01-31 10592352 ns5:RetainedEarningsAccumulatedLosses 2025-01-31 10592352 ns5:PlantMachinery 2025-01-31 10592352 ns5:PlantMachinery 2025-02-01 2026-01-31 10592352 ns5:PlantMachinery 2026-01-31 10592352 ns5:PlantMachinery 2025-01-31 10592352 ns5:WithinOneYear ns5:CurrentFinancialInstruments 2026-01-31 10592352 ns5:WithinOneYear ns5:CurrentFinancialInstruments 2025-01-31

REGISTERED NUMBER: 10592352 (England and Wales)

Report of the Directors and

Financial Statements for the Year Ended 31st January 2026

for

Opulence Money Limited

Opulence Money Limited (Registered number: 10592352)

Contents of the Financial Statements

for the Year Ended 31st January 2026

Page |

Company Information | 1 |

Report of the Directors | 2 |

Balance Sheet | 3 |

Notes to the Financial Statements | 5 |

Opulence Money Limited

Company Information

for the Year Ended 31st January 2026

| DIRECTORS: | D Campbell

| R F Trevor

| REGISTERED OFFICE: | 224 Park Road

| Peterborough

| Lincolnshire

| PE1 2UJ

| REGISTERED NUMBER: | 10592352 (England and Wales)

| ACCOUNTANTS: | Spriggs & Co Limited

| Chartered Certified Accountants

| 300 High Road

| Whaplode

| Spalding

| Lincolnshire

| PE12 6TG

Opulence Money Limited (Registered number: 10592352)

Report of the Directors

for the Year Ended 31st January 2026

The directors present their report with the financial statements of the company for the year ended 31st January 2026.

PRINCIPAL ACTIVITY

The principal activity of the company in the year under review was that of mortgage consultancy services.

DIRECTORS

D Campbell has held office during the whole of the period from 1st February 2025 to the date of this report.

Other changes in directors holding office are as follows:

R F Trevor - appointed 11th May 2025

This report has been prepared in accordance with the provisions of Part 15 of the Companies Act 2006 relating to small companies.

ON BEHALF OF THE BOARD:

D Campbell - Director

27th March 2026

Opulence Money Limited (Registered number: 10592352)

Balance Sheet

31st January 2026

| 31.1.26 | 31.1.25 |

| Notes | £ | £ | £ | £ |

FIXED ASSETS

Tangible assets | 4 | 16,580 |  | 19,042 |  |

CURRENT ASSETS

Debtors | 5 | 15,395 |  | 586 |  |

Investments | 6 | 11,254 |  | 11,254 |  |

Cash at bank | 175,163 |  | 62,618 |  |

201,812 |  | 74,458 |  |

CREDITORS

Amounts falling due within one year | 7 | 54,533 |  | 23,551 |  |

NET CURRENT ASSETS | 147,279 |  | 50,907 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | 163,859 |  | 69,949 |  |

CREDITORS

Amounts falling due after more than one year | 8 | (38,889 | ) | - |  |

PROVISIONS FOR LIABILITIES | (4,145 | ) | (2,734 | ) |

NET ASSETS | 120,825 |  | 67,215 |  |

Opulence Money Limited (Registered number: 10592352)

Balance Sheet - continued

31st January 2026

| 31.1.26 | 31.1.25 |

| Notes | £ | £ | £ | £ |

CAPITAL AND RESERVES

Called up share capital | 9 | 200 |  | 100 |  |

Retained earnings | 120,625 |  | 67,115 |  |

SHAREHOLDERS' FUNDS | 120,825 |  | 67,215 |  |

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31st January 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31st January 2026 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 27th March 2026 and were signed on its behalf by:

D Campbell - Director

Opulence Money Limited (Registered number: 10592352)

Notes to the Financial Statements

for the Year Ended 31st January 2026

1. | STATUTORY INFORMATION

| Opulence Money Limited 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.

| Tangible fixed assets

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

| 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 8 (2025 - 6 ) .

Opulence Money Limited (Registered number: 10592352)

Notes to the Financial Statements - continued

for the Year Ended 31st January 2026

4. | TANGIBLE FIXED ASSETS

| Plant and

| machinery

| etc

£ |

| COST

| At 1st February 2025 | 30,155 |  |

| Additions | 465 |  |

| At 31st January 2026 | 30,620 |  |

| DEPRECIATION

| At 1st February 2025 | 11,113 |  |

| Charge for year | 2,927 |  |

| At 31st January 2026 | 14,040 |  |

| NET BOOK VALUE

| At 31st January 2026 | 16,580 |  |

| At 31st January 2025 | 19,042 |  |

5. | DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |

| 31.1.26 |  | 31.1.25

£ | £ |

| Other debtors | 15,395 |  | 586 |  |

6. | CURRENT ASSET INVESTMENTS

| 31.1.26 |  | 31.1.25

£ | £ |

| Unlisted investments | 11,254 |  | 11,254 |  |

7. | CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |

| 31.1.26 |  | 31.1.25

£ | £ |

| Bank loans and overdrafts | 2,084 |  | 4,490 |  |

| Taxation and social security | 39,670 |  | 8,617 |  |

| Other creditors | 12,779 |  | 10,444 |  |

54,533 |  | 23,551 |  |

Opulence Money Limited (Registered number: 10592352)

Notes to the Financial Statements - continued

for the Year Ended 31st January 2026

8. | CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR |

| 31.1.26 |  | 31.1.25

£ | £ |

| Other creditors | 38,889 |  | - |  |

9. | CALLED UP SHARE CAPITAL

| The entire share class of Ordinary shares were re-designated as Ordinary A shares on 24 April 2025.

| In addition a new class of 100 Ordinary B shares were authorised and issued on the same date, this class of shares carry no voting or distribution rights.