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Registration number: 12546916

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd
Annual Report and Unaudited Financial Statements
for the Year Ended 30 September 2025

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Contents

Company Information | 1
Directors' Report | 2
Accountants' Report | 3
Balance Sheet | 4
Statement of Changes in Equity | 5
Notes to the Unaudited Financial Statements | 6 to 8

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Company Information

Directors | Mr D McLoughney FPFS, IMC Mrs LT McLoughney FCA Mr J E Thompson FPFS,IMC

Registered office | Beckett House Wyrefields Poulton Le Fylde Lancashire FY6 8JX

Accountants | Beckett Rawcliffe Limited Unit 17, Beckett House Sovereign Court Wyrefields Poulton Le Fylde Lancashire FY6 8JX

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Directors' Report for the Year Ended 30 September 2025

The directors present their report and the financial statements for the year ended 30 September 2025.

Directors of the company

The directors who held office during the year were as follows:

Mr D McLoughney FPFS, IMC

Mrs LT McLoughney FCA

Mr J E Thompson FPFS,IMC

Principal activity

The principal activity of the company is financial management

Small companies provision statement

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

Approved by the Board on 16 October 2025 and signed on its behalf by:

......................................... Mr D McLoughney FPFS, IMC Director | ......................................... Mrs LT McLoughney FCA Director |

Chartered Accountants' Report to the Board of Directors on the Preparation of the Unaudited Statutory Accounts of
Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd
for the Year Ended 30 September 2025

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Becketts Financial Group Ltd for the year ended 30 September 2025 as set out on pages 4 to 8 from the company's accounting records and from information and explanations you have given us.

As a practising member firm of the Institute of Chartered Accountants in England and Wales (ICAEW), we are subject to its ethical and other professional requirements which are detailed at
http://www.icaew.com/regulation.

This report is made solely to the Board of Directors of Becketts Financial Group Ltd, as a body, in accordance with the terms of our engagement letter. Our work has been undertaken solely to prepare for your approval the accounts of Becketts Financial Group Ltd and state those matters that we have agreed to state to the Board of Directors of Becketts Financial Group Ltd, as a body, in this report in accordance with ICAEW Technical Release 07/16 AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Becketts Financial Group Ltd and its Board of Directors as a body for our work or for this report.

It is your duty to ensure that Becketts Financial Group Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of Becketts Financial Group Ltd. You consider that Becketts Financial Group Ltd is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or a review of the accounts of Becketts Financial Group Ltd. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts.

......................................
Beckett Rawcliffe Limited
Unit 17, Beckett House
Sovereign Court
Wyrefields
Poulton Le Fylde
Lancashire
FY6 8JX

16 October 2025

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

(Registration number: 12546916)
Balance Sheet as at 30 September 2025

| Note | 2025 £ | 2024 £
Current assets |  |  |
Investments | 5 | 323,953 | 323,953
Cash at bank and in hand |  | 1,944 | 527
|  | 325,897 | 324,480
Creditors: Amounts falling due within one year | 6 | (23,670) | (26,847)
Total assets less current liabilities |  | 302,227 | 297,633
Creditors: Amounts falling due after more than one year | 6 | (108,634) | (136,200)
Net assets |  | 193,593 | 161,433
Capital and reserves |  |  |
Called up share capital | 7 | 100 | 100
Retained earnings |  | 193,493 | 161,333
Shareholders' funds |  | 193,593 | 161,433

For the financial year ending 30 September 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

• | The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476; and
• | The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies regime and FRS 102 ‘The Financial Reporting Standard Applicable in the UK and Republic of Ireland’.

Approved and authorised by the Board on 16 October 2025 and signed on its behalf by:

......................................... Mr D McLoughney FPFS, IMC Director | ......................................... Mrs LT McLoughney FCA Director |

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Statement of Changes in Equity for the Year Ended 30 September 2025

| Share capital £ | Retained earnings £ | Total £
At 1 October 2024 | 100 | 161,333 | 161,433
Profit for the year | - | 309,086 | 309,086
Dividends | - | (276,926) | (276,926)
At 30 September 2025 | 100 | 193,493 | 193,593

| Share capital £ | Retained earnings £ | Total £
At 1 October 2023 | 167 | 62,442 | 62,609
Profit for the year | - | 289,722 | 289,722
Dividends | - | (190,831) | (190,831)
New share capital subscribed | (62) | - | (62)
Purchase of own share capital | (5) | - | (5)
At 30 September 2024 | 100 | 161,333 | 161,433

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 September 2025

1 | General information

The company is a private company limited by share capital, incorporated in England .

The address of its registered office is:
Beckett House
Wyrefields
Poulton Le Fylde
Lancashire
FY6 8JX
England

These financial statements were authorised for issue by the Board on 16 October 2025.

2 | Accounting policies

Summary of significant accounting policies and key accounting estimates

The principal accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

Statement of compliance

These financial statements have been prepared in accordance with Financial Reporting Standard 102 Section 1A smaller entities - 'The Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland' and the Companies Act 2006 (as applicable to companies subject to the small companies' regime).

Basis of preparation

These financial statements have been prepared using the historical cost convention except that as disclosed in the accounting policies certain items are shown at fair value.

Going concern

Investments

Investments in equity shares which are publicly traded or where the fair value can be measured reliably are initially measured at fair value, with changes in fair value recognised in profit or loss. Investments in equity shares which are not publicly traded and where fair value cannot be measured reliably are measured at cost less impairment.
Interest income on debt securities, where applicable, is recognised in income using the effective interest method. Dividends on equity securities are recognised in income when receivable.

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 September 2025

Trade creditors

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers. Accounts payable are classified as current liabilities if the company does not have an unconditional right, at the end of the reporting period, to defer settlement of the creditor for at least twelve months after the reporting date. If there is an unconditional right to defer settlement for at least twelve months after the reporting date, they are presented as non-current liabilities.
Trade creditors are recognised initially at the transaction price and subsequently measured at amortised cost using the effective interest method.

Borrowings

Interest-bearing borrowings are initially recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently carried at amortised cost, with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the profit and loss account over the period of the relevant borrowing.
Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar charges.
Borrowings are classified as current liabilities unless the company has an unconditional right to defer settlement of the liability for at least twelve months after the reporting date.

Share capital

Ordinary shares are classified as equity. Equity instruments are measured at the fair value of the cash or other resources received or receivable, net of the direct costs of issuing the equity instruments. If payment is deferred and the time value of money is material, the initial measurement is on a present value basis.

Dividends

Dividend distribution to the company’s shareholders is recognised as a liability in the financial statements in the reporting period in which the dividends are declared.

3 | Staff numbers

The average number of persons employed by the company (including directors) during the year, was 3 (2024 - 3).

4 | Profit before tax

Arrived at after charging/(crediting)

| 2025 £ | 2024 £
Income from shares in group undertakings | (313,578) | (294,698)

5 | Current asset investments

| 2025 £ | 2024 £
Other investments | 323,953 | 323,953

Becketts Financial Group Ltd
trading as Becketts Financial Group Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 September 2025

Shares in group undertakings relate to the total share capital in Becketts F S Ltd , registered in England , company number 05122604 .

6 | Creditors

Creditors: amounts falling due within one year

| Note | 2025 £ | 2024 £
Due within one year |  |  |
Loans and borrowings |  | 23,452 | 23,452
Other creditors |  | 218 | 3,395
|  | 23,670 | 26,847

Current loans and borrowings

| 2025 £ | 2024 £
Bank borrowings | 23,452 | 23,452

Creditors: amounts falling due after more than one year

| Note | 2025 £ | 2024 £
Due after one year |  |  |
Loans and borrowings |  | 108,634 | 136,200

7 | Share capital

Allotted, called up and fully paid shares

| 2025 | 2024
| No. | £ | No. | £
Ordinary of £1 each | 100 | 100 | 100 | 100