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REGISTERED NUMBER: 10408308 (England and Wales)

| CHARMWOOD RISK MANAGEMENT LIMITED |

| UNAUDITED FINANCIAL STATEMENTS |

| FOR THE YEAR ENDED 31 JANUARY 2026 |

CHARMWOOD RISK MANAGEMENT LIMITED (REGISTERED NUMBER: 10408308) |

CONTENTS OF THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JANUARY 2026

Page |

| Company Information | 1 |

| Balance Sheet | 2 |

| Notes to the Financial Statements | 4 |

| CHARMWOOD RISK MANAGEMENT LIMITED |

COMPANY INFORMATION

FOR THE YEAR ENDED 31 JANUARY 2026

| DIRECTORS: | Mr Paul Robinson

| Mrs Louise Robinson

| REGISTERED OFFICE: | Sovereign House 15 Towcester Road

| Old Stratford

| Milton Keynes

| MK19 6AN

| REGISTERED NUMBER: | 10408308 (England and Wales)

| ACCOUNTANTS: | Thompson Balch Limited

| Chartered Accountants

| Sovereign House

| 15 Towcester Road

| Old Stratford

| Milton Keynes

| MK19 6AN

CHARMWOOD RISK MANAGEMENT LIMITED (REGISTERED NUMBER: 10408308) |

BALANCE SHEET

31 JANUARY 2026

| 2026 | 2025 |

| Notes | £ | £ | £ | £ |

FIXED ASSETS

Tangible assets | 4 | - |  | 2,758 |  |

CURRENT ASSETS

Stocks | - |  | 1,500 |  |

Debtors | 5 | - |  | 43,019 |  |

Cash at bank | - |  | 15 |  |

- |  | 44,534 |  |

CREDITORS

Amounts falling due within one year | 6 | 3,738 |  | 42,746 |  |

NET CURRENT (LIABILITIES)/ASSETS | (3,738 | ) | 1,788 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | (3,738 | ) | 4,546 |  |

PROVISIONS FOR LIABILITIES | - |  | 524 |  |

NET (LIABILITIES)/ASSETS | (3,738 | ) | 4,022 |  |

CAPITAL AND RESERVES

Called up share capital | 100 |  | 100 |  |

Retained earnings | (3,838 | ) | 3,922 |  |

SHAREHOLDERS' FUNDS | (3,738 | ) | 4,022 |  |

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

The members have not required the company to obtain an audit of its financial statements for the year ended 31 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.

CHARMWOOD RISK MANAGEMENT LIMITED (REGISTERED NUMBER: 10408308) |

BALANCE SHEET - continued

31 JANUARY 2026

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 Statement of Income and Retained Earnings has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 20 April 2026 and were signed on its behalf by:

Mr Paul Robinson - Director

CHARMWOOD RISK MANAGEMENT LIMITED (REGISTERED NUMBER: 10408308) |

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JANUARY 2026

1. | STATUTORY INFORMATION

| Charmwood Risk Management 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 £.

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.

| Stocks

| Stocks are valued at the lower of cost and net realisable value, after making due allowance for obsolete and slow moving items.

| Taxation

| Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and Retained Earnings, 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.

| Deferred tax

| Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

| Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

| Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

| Hire purchase and leasing commitments

| Rentals paid under operating leases are charged to profit or loss on a straight line basis over the period of the lease.

CHARMWOOD RISK MANAGEMENT LIMITED (REGISTERED NUMBER: 10408308) |

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31 JANUARY 2026

2. | ACCOUNTING POLICIES - continued

| 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 NIL (2025 - NIL).

4. | TANGIBLE FIXED ASSETS

| Fixtures |

| Plant and |  | and |  | Computer |

| machinery |  | fittings |  | equipment |  | Totals

£ | £ | £ | £ |

| COST

| At 1 February 2025 | 2,889 |  | 1,258 |  | 5,034 |  | 9,181 |  |

| Disposals | (2,889 | ) | (1,258 | ) | (5,034 | ) | (9,181 | ) |

| At 31 January 2026 | - |  | - |  | - |  | - |  |

| DEPRECIATION

| At 1 February 2025 | 2,128 |  | 623 |  | 3,672 |  | 6,423 |  |

| Eliminated on disposal | (2,128 | ) | (623 | ) | (3,672 | ) | (6,423 | ) |

| At 31 January 2026 | - |  | - |  | - |  | - |  |

| NET BOOK VALUE

| At 31 January 2026 | - |  | - |  | - |  | - |  |

| At 31 January 2025 | 761 |  | 635 |  | 1,362 |  | 2,758 |  |

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

2026 | 2025 |

£ | £ |

| Trade debtors | - |  | 42,732 |  |

| Other debtors | - |  | 287 |  |

- |  | 43,019 |  |

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

2026 | 2025 |

£ | £ |

| Bank loans and overdrafts | - |  | 7,939 |  |

| Trade creditors | - |  | 19,087 |  |

| Taxation and social security | - |  | 15,436 |  |

| Other creditors | 3,738 |  | 284 |  |

3,738 |  | 42,746 |  |