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# DEBT ADVICE 4 U CIC

## Company limited by guarantee

## Company Registration Number:
15912978 (England and Wales)

## Unaudited statutory accounts for the year ended 31 July 2025

## Period of accounts

## Start date: 22 August 2024

## End date: 31 July 2025

# DEBT ADVICE 4 U CIC

## Contents of the Financial Statements

for the Period Ended 31 July 2025

Directors report |
Profit and loss |
Balance sheet |
Additional notes |
Community Interest Report |

# DEBT ADVICE 4 U CIC

Directors' report period ended 31 July 2025

The directors present their report with the financial statements of the company for the period ended 31 July 2025

Principal activities of the company

The company’s principal activities during the financial year were the provision of financial education and debt advice services to individuals within the community. This included the delivery of workshops and one-to-one guidance focused on budgeting, debt awareness, financial literacy, and improving individuals’ understanding of their financial circumstances. The company primarily supported individuals from low-income and financially vulnerable backgrounds, providing accessible and non-judgemental support to help them make informed financial decisions. Activities were delivered through community-based engagement, including both in-person and online sessions where appropriate.

Directors

The director shown below has held office during the whole of the period from
22 August 2024 to 31 July 2025

Abibu Mustapha Sheriff

The director shown below has held office during the period of
24 February 2025 to 31 July 2025

Afia Diabour

The director shown below has held office during the period of
14 October 2024 to 25 February 2025

Ann Sewell

The above report has been prepared in accordance with the special provisions in part 15 of the Companies Act 2006

This report was approved by the board of directors on
20 April 2026

And signed on behalf of the board by:
Name: Abibu Mustapha Sheriff
Status: Director

# DEBT ADVICE 4 U CIC

## Profit And Loss Account

for the Period Ended 31 July 2025

| 11 months to 31 July 2025
--- | ---
| £
Turnover: | 4,381 |
Cost of sales: | 0 |
Gross profit(or loss): | 4,381
Distribution costs: | 0 |
Administrative expenses: | ( 4,381 ) |
Other operating income: | 0 |
Operating profit(or loss): | 0
Interest receivable and similar income: | 0 |
Interest payable and similar charges: | 0 |
Profit(or loss) before tax: | 0
Tax: | 0 |
Profit(or loss) for the financial year: | 0

# DEBT ADVICE 4 U CIC

## Balance sheet

As at 31 July 2025

| Notes | 11 months to 31 July 2025
--- | --- | ---
|  | £
Fixed assets
Intangible assets: |  | 0 |
Tangible assets: |  | 0 |
Investments: |  | 0 |
Total fixed assets: |  | 0
Current assets
Stocks: |  | 0 |
Debtors: |  | 0 |
Cash at bank and in hand: |  | 15,646 |
Investments: |  | 0 |
Total current assets: |  | 15,646
Prepayments and accrued income: |  | 0 |
Creditors: amounts falling due within one year: |  | 0 |
Net current assets (liabilities): |  | 15,646
Total assets less current liabilities: |  | 15,646
Creditors: amounts falling due after more than one year: |  | 0 |
Provision for liabilities: |  | 0 |
Accruals and deferred income: |  | ( 15,646 ) |
Total net assets (liabilities): |  | 0
Members' funds
Profit and loss account: |  | 0 |
Total members' funds: |  | 0

The notes form part of these financial statements

# DEBT ADVICE 4 U CIC

## Balance sheet statements

For the year ending 31 July 2025 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 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.

This report was approved by the board of directors on 20 April 2026
and signed on behalf of the board by:

Name: Abibu Mustapha Sheriff
Status: Director

The notes form part of these financial statements

# DEBT ADVICE 4 U CIC

## Notes to the Financial Statements

for the Period Ended 31 July 2025

- ## 1. Accounting policies

  Basis of measurement and preparation

  These financial statements have been prepared in accordance with the provisions of Section 1A (Small Entities) of Financial Reporting Standard 102

  Turnover policy

  Grant income is recognised in line with expenditure incurred. Unused grant is treated as deferred income.

  Valuation information and policy

  Cash is stated at nominal value. Creditors and accruals are measured at the amount payable. No fixed assets are held

# DEBT ADVICE 4 U CIC

## Notes to the Financial Statements

for the Period Ended 31 July 2025

- ## 2. Employees

  | 11 months to 31 July 2025
  --- | ---
  Average number of employees during the period | 0 |

# COMMUNITY INTEREST ANNUAL REPORT

### DEBT ADVICE 4 U CIC

### Company Number: 15912978 (England and Wales)

### Year Ending: 31 July 2025

Company activities and impact

During the financial year, the company delivered financial education and debt advice services to individuals experiencing financial hardship and low financial literacy. The company provided support through structured workshops and informal one-to-one guidance, focusing on budgeting, understanding debt, improving financial awareness, and helping individuals make informed financial decisions. The organisation primarily supported individuals from low-income and financially vulnerable backgrounds, including those facing debt-related stress and limited access to traditional financial advice services. Workshops were delivered in accessible, community-based environments, with a focus on providing practical, easy-to-understand guidance in a non-judgemental setting. The company’s activities aimed to improve financial confidence, increase awareness of available support options, and help individuals take positive steps towards managing their financial situations more effectively. The organisation continues to develop and expand its delivery model to reach more individuals in need, with a focus on both in-person and future online education initiatives.

Consultation with stakeholders

The company has engaged with stakeholders throughout the financial year to ensure its services remain relevant and effective. Key stakeholders include individuals receiving support, workshop attendees, community members, and organisations hosting or referring participants. Feedback has been gathered informally through direct conversations during and after workshops, as well as through ongoing engagement with individuals receiving support. This feedback has helped shape the delivery of services, including simplifying workshop content, focusing on practical financial guidance, and adapting delivery methods to better suit individuals with varying levels of financial understanding. The company has responded to stakeholder input by ensuring services are accessible, easy to understand, and tailored to the needs of financially vulnerable individuals. Ongoing engagement with stakeholders will continue to inform and improve the company’s activities in future periods.

Directors' remuneration

No remuneration was received

Transfer of assets

No transfer of assets other than for full consideration

This report was approved by the board of directors on
20 April 2026

And signed on behalf of the board by:
Name: Abibu Sheriff
Status: Director