IRIS Accounts Production v25.4.0.155 10276593 Board of Directors 1.8.24 31.7.25 31.7.25 false true false false false true false A Ordinary 100.00000 B Ordinary 100.00000 C Ordinary 100.00000 D Ordinary 100.00000 iso4217:GBP iso4217:USD iso4217:EUR xbrli:shares xbrli:pure utr:tonnes utr:kWh 10276593 2024-07-31 10276593 2025-07-31 10276593 2024-08-01 2025-07-31 10276593 2023-07-31 10276593 2023-08-01 2024-07-31 10276593 2024-07-31 10276593 ns15:EnglandWales 2024-08-01 2025-07-31 10276593 ns14:PoundSterling 2024-08-01 2025-07-31 10276593 ns10:Director1 2024-08-01 2025-07-31 10276593 ns10:PrivateLimitedCompanyLtd 2024-08-01 2025-07-31 10276593 ns10:SmallEntities 2024-08-01 2025-07-31 10276593 ns10:AuditExempt-NoAccountantsReport 2024-08-01 2025-07-31 10276593 ns10:SmallCompaniesRegimeForDirectorsReport 2024-08-01 2025-07-31 10276593 ns10:SmallCompaniesRegimeForAccounts 2024-08-01 2025-07-31 10276593 ns10:FullAccounts 2024-08-01 2025-07-31 10276593 1 2024-08-01 2025-07-31 10276593 ns10:OrdinaryShareClass1 2024-08-01 2025-07-31 10276593 ns10:OrdinaryShareClass2 2024-08-01 2025-07-31 10276593 ns10:OrdinaryShareClass3 2024-08-01 2025-07-31 10276593 ns10:OrdinaryShareClass4 2024-08-01 2025-07-31 10276593 ns10:Director2 2024-08-01 2025-07-31 10276593 ns10:CompanySecretary1 2024-08-01 2025-07-31 10276593 ns10:RegisteredOffice 2024-08-01 2025-07-31 10276593 ns5:CurrentFinancialInstruments 2025-07-31 10276593 ns5:CurrentFinancialInstruments 2024-07-31 10276593 ns5:Non-currentFinancialInstruments 2025-07-31 10276593 ns5:Non-currentFinancialInstruments 2024-07-31 10276593 ns5:ShareCapital 2025-07-31 10276593 ns5:ShareCapital 2024-07-31 10276593 ns5:RetainedEarningsAccumulatedLosses 2025-07-31 10276593 ns5:RetainedEarningsAccumulatedLosses 2024-07-31 10276593 ns5:NetGoodwill 2024-08-01 2025-07-31 10276593 ns5:NetGoodwill 2024-07-31 10276593 ns5:NetGoodwill 2025-07-31 10276593 ns5:NetGoodwill 2024-07-31 10276593 ns5:FurnitureFittings 2024-07-31 10276593 ns5:ComputerEquipment 2024-07-31 10276593 ns5:FurnitureFittings 2024-08-01 2025-07-31 10276593 ns5:ComputerEquipment 2024-08-01 2025-07-31 10276593 ns5:FurnitureFittings 2025-07-31 10276593 ns5:ComputerEquipment 2025-07-31 10276593 ns5:FurnitureFittings 2024-07-31 10276593 ns5:ComputerEquipment 2024-07-31 10276593 ns5:WithinOneYear ns5:CurrentFinancialInstruments 2025-07-31 10276593 ns5:WithinOneYear ns5:CurrentFinancialInstruments 2024-07-31 10276593 ns5:Non-currentFinancialInstruments ns5:BetweenOneTwoYears 2025-07-31 10276593 ns5:Non-currentFinancialInstruments ns5:BetweenOneTwoYears 2024-07-31 10276593 ns5:Non-currentFinancialInstruments ns5:BetweenTwoFiveYears 2025-07-31 10276593 ns5:Non-currentFinancialInstruments ns5:BetweenTwoFiveYears 2024-07-31 10276593 ns5:MoreThanFiveYears ns5:Non-currentFinancialInstruments 2025-07-31 10276593 ns5:MoreThanFiveYears ns5:Non-currentFinancialInstruments 2024-07-31 10276593 ns10:OrdinaryShareClass1 2025-07-31 10276593 ns10:OrdinaryShareClass2 2025-07-31 10276593 ns10:OrdinaryShareClass3 2025-07-31 10276593 ns10:OrdinaryShareClass4 2025-07-31 10276593 ns10:Director1 1 2024-07-31 10276593 ns10:Director1 1 2023-07-31 10276593 ns10:Director1 1 2024-08-01 2025-07-31 10276593 ns10:Director1 1 2023-08-01 2024-07-31 10276593 ns10:Director1 1 2025-07-31 10276593 ns10:Director1 1 2024-07-31 10276593 2 ns10:Director2 2024-07-31 10276593 2 ns10:Director2 2023-07-31 10276593 2 ns10:Director2 2024-08-01 2025-07-31 10276593 2 ns10:Director2 2023-08-01 2024-07-31 10276593 2 ns10:Director2 2025-07-31 10276593 2 ns10:Director2 2024-07-31

REGISTERED NUMBER: 10276593 (England and Wales)

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JULY 2025

FOR

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

CONTENTS OF THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JULY 2025

Page |

Company Information | 1 |

Balance Sheet | 2 |

Notes to the Financial Statements | 4 |

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED

COMPANY INFORMATION

FOR THE YEAR ENDED 31 JULY 2025

| DIRECTORS: | Mr P Inger

| Mr P C Hurt

| SECRETARY: | Mr P Inger

| REGISTERED OFFICE: | Matrix Business Centre

| Nobel Way

| Dinnington

| Sheffield

| S25 3QB

| REGISTERED NUMBER: | 10276593 (England and Wales)

| ACCOUNTANTS: | Xeinadin Barnsley Limited

| 12 Victoria Road

| Barnsley

| South Yorkshire

| S70 2BB

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

BALANCE SHEET

31 JULY 2025

| 31.7.25 | 31.7.24 |

| Notes | £ | £ | £ | £ |

FIXED ASSETS

Intangible assets | 4 | 1,000 |  | 2,000 |  |

Tangible assets | 5 | 7,861 |  | 8,259 |  |

8,861 |  | 10,259 |  |

CURRENT ASSETS

Debtors | 6 | 367,382 |  | 256,393 |  |

Cash at bank | 164,609 |  | 175,505 |  |

531,991 |  | 431,898 |  |

CREDITORS

Amounts falling due within one year | 7 | 82,953 |  | 59,234 |  |

NET CURRENT ASSETS | 449,038 |  | 372,664 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | 457,899 |  | 382,923 |  |

CREDITORS

Amounts falling due after more than one year | 8 | (21,292 | ) | (26,848 | ) |

PROVISIONS FOR LIABILITIES | (1,965 | ) | (1,815 | ) |

NET ASSETS | 434,642 |  | 354,260 |  |

CAPITAL AND RESERVES

Called up share capital | 9 | 10,000 |  | 10,000 |  |

Retained earnings | 424,642 |  | 344,260 |  |

SHAREHOLDERS' FUNDS | 434,642 |  | 354,260 |  |

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

BALANCE SHEET - continued

31 JULY 2025

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

The members have not required the company to obtain an audit of its financial statements for the year ended 31 July 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 8 April 2026 and were signed on its behalf by:

Mr P Inger - Director

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JULY 2025

1. | STATUTORY INFORMATION

| Prestige Financial Solutions (Holdings) 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.

| The financial statements are presented in sterling which is the functional currency of the company and rounded to the nearest pound.

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.

| Significant judgements and estimates

| No judgements have been made in the process of applying the below accounting policies that have had the most significant effect on amounts recognised in the financial statements.

| There are no key assumptions concerning the future and other key sources of estimation uncertainty at the reporting date that have a significant risk of causing material adjustment to the carrying amounts of assets and liabilities within the next financial year.

| Turnover

| Turnover is measured at the fair value of the consideration received or receivable net of VAT and trade discounts. The policies adopted for the recognition of turnover are as follows:

| When the outcome of a transaction can be estimated reliably, turnover from mortgage brokering is recognised by reference to the stage of completion at the balance sheet date. Stage of completion is measured by reference to completion date of mortgage.

| Where the outcome cannot be measured reliably, turnover is recognised only to the extent of the expenses recognised that are recoverable.

| Goodwill

| Goodwill arising on business combinations is capitalised, classified as an asset on the balance sheet and amortised on a straight line basis over its useful life. The period chosen for writing off goodwill is 10 years. Provision is made for any impairment.

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31 JULY 2025

2. | ACCOUNTING POLICIES - continued

| Tangible fixed assets

| Tangible fixed assets are stated at cost (or deemed cost) or valuation less accumulated depreciation and accumulated impairment losses. Cost includes costs directly attributable to making the asset capable of operating as intended.

| Depreciation is provided on all tangible fixed assets, at rates calculated to write off the cost, less estimated residual value, of each asset on a systematic basis over its expected useful life as follows:

| Fixtures and fittings - 20% on reducing balance

| Computer equipment - 33% on cost / 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.

| 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 7 (2024 - 7 ) .

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31 JULY 2025

4. | INTANGIBLE FIXED ASSETS

| Goodwill

£ |

| COST

| At 1 August 2024

| and 31 July 2025 | 10,000 |  |

| AMORTISATION

| At 1 August 2024 | 8,000 |  |

| Amortisation for year | 1,000 |  |

| At 31 July 2025 | 9,000 |  |

| NET BOOK VALUE

| At 31 July 2025 | 1,000 |  |

| At 31 July 2024 | 2,000 |  |

5. | TANGIBLE FIXED ASSETS

| Fixtures |

| and |  | Computer |

| fittings |  | equipment |  | Totals

£ | £ | £ |

| COST

| At 1 August 2024 | 10,294 |  | 16,516 |  | 26,810 |  |

| Additions | - |  | 1,798 |  | 1,798 |  |

| At 31 July 2025 | 10,294 |  | 18,314 |  | 28,608 |  |

| DEPRECIATION

| At 1 August 2024 | 7,134 |  | 11,417 |  | 18,551 |  |

| Charge for year | 632 |  | 1,564 |  | 2,196 |  |

| At 31 July 2025 | 7,766 |  | 12,981 |  | 20,747 |  |

| NET BOOK VALUE

| At 31 July 2025 | 2,528 |  | 5,333 |  | 7,861 |  |

| At 31 July 2024 | 3,160 |  | 5,099 |  | 8,259 |  |

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31 JULY 2025

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

| 31.7.25 |  | 31.7.24

£ | £ |

| Amounts owed by associates | 301,080 |  | 140,762 |  |

| Other debtors | 14,050 |  | 10,950 |  |

| Directors' current accounts | 42,252 |  | 94,681 |  |

| Called up share capital not paid | 10,000 |  | 10,000 |  |

367,382 |  | 256,393 |  |

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

| 31.7.25 |  | 31.7.24

£ | £ |

| Bank loans and overdrafts | 5,556 |  | 5,556 |  |

| Corporation tax | 65,674 |  | 49,458 |  |

| Social security and other taxes | 2,249 |  | 1,827 |  |

| Other creditors | 640 |  | 659 |  |

| Directors' current accounts | 7,100 |  | - |  |

| Accruals and deferred income | 1,734 |  | 1,734 |  |

82,953 |  | 59,234 |  |

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

| 31.7.25 |  | 31.7.24

£ | £ |

| Bank loans - 1-2 years | 5,556 |  | 5,556 |  |

| Bank loans - 2-5 years | 11,113 |  | 11,113 |  |

| Bank loans more 5 yr by instal | 4,623 |  | 10,179 |  |

21,292 |  | 26,848 |  |

| Amounts falling due in more than five years:

| Repayable by instalments

| Bank loans more 5 yr by instal | 4,623 |  | 10,179 |  |

PRESTIGE FINANCIAL SOLUTIONS (HOLDINGS)

LIMITED (REGISTERED NUMBER: 10276593)

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31 JULY 2025

9. | CALLED UP SHARE CAPITAL

| Allotted and issued:

| Number: | Class: | Nominal | 31.7.25 |  | 31.7.24

| value: | £ | £ |

| 45 | A Ordinary | £100 | 4,500 |  | 4,500 |  |

| 45 | B Ordinary | £100 | 4,500 |  | 4,500 |  |

| 5 | C Ordinary | £100 | 500 |  | 500 |  |

| 5 | D Ordinary | £100 | 500 |  | 500 |  |

10,000 |  | 10,000 |  |

10. | DIRECTORS' ADVANCES, CREDITS AND GUARANTEES

| The following advances and credits to directors subsisted during the years ended 31 July 2025 and 31 July 2024:

| 31.7.25 |  | 31.7.24

£ | £ |

| Mr P Inger

| Balance outstanding at start of year | 33,876 |  | 25,143 |  |

| Amounts advanced | 97,119 |  | 24,813 |  |

| Amounts repaid | (130,995 | ) | (16,080 | ) |

| Amounts written off | - |  | - |  |

| Amounts waived | - |  | - |  |

| Balance outstanding at end of year | - |  | 33,876 |  |

| Mr P C Hurt

| Balance outstanding at start of year | 60,807 |  | 31,020 |  |

| Amounts advanced | 115,254 |  | 46,053 |  |

| Amounts repaid | (133,809 | ) | (16,266 | ) |

| Amounts written off | - |  | - |  |

| Amounts waived | - |  | - |  |

| Balance outstanding at end of year | 42,252 |  | 60,807 |  |

11. | RELATED PARTY DISCLOSURES

| During the year there were transactions with Prestige Cottages & Property Management Ltd, a company which shares common directors and shareholders. At the end of the year Prestige Cottages & Property Management Ltd owed the company £301,080 (2024 £140,762).