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Registered number: 11445356
Choice Business Finance Holdings Limited
Unaudited ABRIDGED Financial Statements
For The Year Ended 31 January 2026
Newtons Accountants Limited
Chartered Certified Accountants
470 Hucknall Road
Nottingham
Nottinghamshire
NG5 1FX
Choice Business Finance Holdings Limited
Contents
Contents

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

Page 1
Choice Business Finance Holdings Limited
Abridged Balance Sheet
As At 31 January 2026
Abridged Balance Sheet
Registered number: 11445356

| 2026 | 2025
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Tangible Assets | 4 |  | 218,000 |  | 218,000
Investments | 5 |  | 189,415 |  | 189,415
|  |  | 407,415 |  | 407,415
CURRENT ASSETS
Debtors |  | 23,274 |  | 521 |
Investments |  | 66,200 |  | 71,200 |
Cash at bank and in hand |  | 324,390 |  | 213,173 |
|  | 413,864 |  | 284,894 |
Creditors: Amounts Falling Due Within One Year |  | (9,313 ) |  | (2,934 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | 404,551 |  | 281,960
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 811,966 |  | 689,375
Creditors: Amounts Falling Due After More Than One Year |  |  | (111,772 ) |  | (169,505 )
PROVISIONS FOR LIABILITIES
Deferred Taxation |  |  | (6,070 ) |  | (6,070 )
NET ASSETS |  |  | 694,124 |  | 513,800
CAPITAL AND RESERVES
Called up share capital | 6 |  | 1 |  | 1
Fair value reserve | 7 |  | 18,211 |  | 18,211
Profit and Loss Account |  |  | 675,912 |  | 495,588
SHAREHOLDERS' FUNDS |  |  | 694,124 |  | 513,800

Page 1
Page 2
Choice Business Finance Holdings Limited
Abridged Balance Sheet (continued)
As At 31 January 2026
For the year ending 31 January 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
The member has not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The director acknowledges his 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.
All of the company's members have consented to the preparation of an Abridged Profit and Loss Account and an Abridged Balance Sheet for the year end 31 January 2026 in accordance with section 444(2A) of the Companies Act 2006.
On behalf of the board

Mr Julian Lawrence Director
14/04/2026

The notes on pages 3 to 5 form part of these financial statements.
Page 2
Page 3
Choice Business Finance Holdings Limited
Notes to the Abridged Financial Statements
For The Year Ended 31 January 2026
Notes to the Abridged Financial Statements
1. General Information
Choice Business Finance Holdings Limited is a private company, limited by shares, incorporated in England & Wales, registered number 11445356 . The registered office is 470 Hucknall Road, Nottingham, Nottinghamshire, NG5 1FX.
2. Accounting Policies
2.1. Basis of Preparation of Financial Statements
The financial statements are prepared under the historical cost convention and in accordance with the FRS 102 Section 1A Small Entities - The Financial Reporting Standard applicable in the UK and Republic of Ireland and the Companies Act 2006.
The company has taken advantage of the option not to prepare consolidated financial statements contained in Section 398 of the Companies Act 2006 on the basis that the company and its subsidiary undertakings comprise a small group.
2.2. Turnover
Turnover is measured at the fair value of the consideration received or receivable, net of discounts and value added taxes. Turnover includes revenue earned from the sale of goods and from the rendering of services. Turnover is reduced for estimated customer returns, rebates and other similar allowances.
Sale of goods
Turnover from the sale of goods is recognised when the significant risks and rewards of ownership of the goods has transferred to the buyer. This is usually at the point that the customer has signed for the delivery of the goods.
Rendering of services
Turnover from the rendering of services is recognised by reference to the stage of completion of the contract. The stage of completion of a contract is measured by comparing the costs incurred for work performed to date to the total estimated contract costs. Turnover is only recognised to the extent of recoverable expenses when the outcome of a contract cannot be estimated reliably.
2.3. 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:

Freehold | Nil

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Choice Business Finance Holdings Limited
Notes to the Abridged Financial Statements (continued)
For The Year Ended 31 January 2026
2.4. Taxation
The company's tax charge represents the sum of the corporation tax currently payable and deferred tax.
The corporation tax currently payable is based on taxable profit for the year. Taxable profit differs from profit as reported in the statement of comprehensive income because of items of income or expense that are taxable or deductible in other year and items that are never taxable or deductible. The company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the end of the reporting period.
Deferred tax is recognised on timing differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. Deferred tax liabilities are generally recognised for all taxable timing differences. Deferred tax assets are generally recognised for all deductible temporary differences to the extent that it is probable that taxable profits will be available against which those deductible timing differences can be utilised. The carrying amount of deferred tax assets is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.
Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realised, based on tax rates (and tax laws) that have been enacted or substantively enacted by the end of the reporting period. Deferred tax liabilities are presented within provisions for liabilities and deferred tax assets within debtors. The measurement of deferred tax liabilities and asset reflects the tax consequences that would follow from the manner in which the Company expects, at the end of the reporting period, to recover or settle the carrying amount of its assets and liabilities.
Current or deferred tax for the year is recognised in profit or loss, except when they related to items that are recognised in other comprehensive income or directly in equity, in which case, the current and deferred tax is also recognised in other comprehensive income or directly in equity respectively.
2.5. Investments
Fixed asset investments are initially recorded at cost, and subsequently stated at cost less any accumulated impairment losses. Listed investments are measured at fair value with changes in fair value being recognised in profit or loss.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 1 (2025: 1)
1 1
4. Tangible Assets

| Total
--- | ---
| £
Cost
As at 1 February 2025 | 218,000
As at 31 January 2026 | 218,000
Net Book Value
As at 31 January 2026 | 218,000
As at 1 February 2025 | 218,000

Page 4
Page 5
Choice Business Finance Holdings Limited
Notes to the Abridged Financial Statements (continued)
For The Year Ended 31 January 2026
5. Investments

| Total
--- | ---
| £
Cost or Valuation
As at 1 February 2025 | 189,415
As at 31 January 2026 | 189,415
Provision
As at 1 February 2025 | -
As at 31 January 2026 | -
Net Book Value
As at 31 January 2026 | 189,415
As at 1 February 2025 | 189,415

Amounts shown as costs of investments in subsidiaries represent the cost of the acquisition of 100% of the ordinary share capital of The Lending Lab Limited.
6. Share Capital

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 1 |  | 1

7. Reserves

| Fair value reserve | Profit and Loss Account
--- | --- | ---
| £ | £
As at 1 February 2025 | 18,211 | 495,588
Profit for the year and total comprehensive income | - | 270,824
Dividends paid | - | (90,500)
As at 31 January 2026 | 18,211 | 675,912

8. Related Party Transactions
During the year the company had a loan account with the director. The opening balance was £76,455 owing to the director and during the year net amounts of £57,733 were repaid to the director. The closing balance, of £18,722 owing to the director is included in creditors payable after one year.
9. Ultimate Controlling Party
The company's ultimate controlling party is Mr Julian Lawrence by virtue of his ownership of 100% of the issued share capital in the company.
Page 5