Company registration number 04697748 (England and Wales)
WEST CRAVEN INSURANCE SERVICES LIMITED
UNAUDITED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2026
PAGES FOR FILING WITH REGISTRAR
WEST CRAVEN INSURANCE SERVICES LIMITED
CONTENTS
Page
Balance sheet
1 - 2
Notes to the financial statements
3 - 6
WEST CRAVEN INSURANCE SERVICES LIMITED
BALANCE SHEET
AS AT
31 MARCH 2026
31 March 2026
- 1 -
2026
2025
Notes
£
£
£
£
Fixed assets
Tangible assets
4
44,274
10,902
Current assets
Debtors
5
250,397
256,544
Cash at bank and in hand
606,802
634,742
857,199
891,286
Creditors: amounts falling due within one year
6
(773,781)
(828,442)
Net current assets
83,418
62,844
Total assets less current liabilities
127,692
73,746
Creditors: amounts falling due after more than one year
7
(27,228)
-
0
Provisions for liabilities
(11,069)
(2,726)
Net assets
89,395
71,020
Capital and reserves
Called up share capital
8
100
100
Profit and loss reserves
89,295
70,920
Total equity
89,395
71,020
WEST CRAVEN INSURANCE SERVICES LIMITED
BALANCE SHEET (CONTINUED)
AS AT
31 MARCH 2026
31 March 2026
- 2 -

For the financial year ended 31 March 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

T he members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

These financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

The directors of the company have elected not to include a copy of the profit and loss account within the financial statements.true

The financial statements were approved by the board of directors and authorised for issue on 7 May 2026 and are signed on its behalf by:
Mrs L M King
Director
Company registration number 04697748 (England and Wales)
WEST CRAVEN INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2026
- 3 -
1
Accounting policies
Company information

West Craven Insurance Services Limited is a private company limited by shares incorporated in England and Wales. The registered office is First Floor, North Barn, Broughton Hall Business Park, Skipton, North Yorkshire, BD23 3AE.

1.1
Basis of preparation

These financial statements have been prepared in accordance with FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime. The disclosure requirements of section 1A of FRS 102 have been applied other than where additional disclosure is required to show a true and fair view.

The financial statements are prepared in sterling, which is the functional currency of the company. Monetary a mounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2
Going concern

The directors are not aware of any material uncertainties affecting the company and consider that the company will have sufficient resources to continue trading for the foreseeable future. As a result, the directors have continued to adopt the going concern basis in preparing the financial statements.true

1.3
Revenue
Turnover represents commissions receivable for insurance broking services.
1.4
Intangible fixed assets - goodwill
Acquired goodwill has been written off in equal annual instalments over its estimated useful economic life of ten years.
1.5
Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Computer equipment
25% reducing balance
Fixtures, fittings & equipment
15% reducing balance
Motor vehicles
25% reducing balance
1.6
Taxation

The tax expense represents the sum of the tax currently payable and deferred tax.

1.7
Leases

Leases are classified as finance leases whenever the terms of the lease transfer substantially all the risks and rewards of ownership to the lessees. All other leases are classified as operating leases.

Assets held under finance leases are recognised as assets at the lower of the assets fair value at the date of inception and the present value of the minimum lease payments. The related liability is included in the balance sheet as a finance lease obligation. Lease payments are treated as consisting of capital and interest elements. The interest is charged to profit or loss so as to produce a constant periodic rate of interest on the remaining balance of the liability.

WEST CRAVEN INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2026
- 4 -
2
Employees

The average monthly number of persons (including directors) employed by the company during the year was:

2026
2025
Number
Number
Total
14
15
3
Intangible fixed assets
Goodwill
£
Cost
At 1 April 2025 and 31 March 2026
30,000
Amortisation and impairment
At 1 April 2025 and 31 March 2026
30,000
Carrying amount
At 31 March 2026
-
0
At 31 March 2025
-
0
4
Tangible fixed assets
Computer equipment
Fixtures, fittings & equipment
Motor vehicles
Total
£
£
£
£
Cost
At 1 April 2025
43,463
39,211
-
0
82,674
Additions
549
205
37,995
38,749
At 31 March 2026
44,012
39,416
37,995
121,423
Depreciation and impairment
At 1 April 2025
37,740
34,032
-
0
71,772
Depreciation charged in the year
1,530
807
3,040
5,377
At 31 March 2026
39,270
34,839
3,040
77,149
Carrying amount
At 31 March 2026
4,742
4,577
34,955
44,274
At 31 March 2025
5,723
5,179
-
0
10,902
WEST CRAVEN INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2026
4
Tangible fixed assets
(Continued)
- 5 -

Included within tangible fixed assets are assets held under finance leases or hire purchase contracts, as follows:

2026
2025
£
£
Motor vehicles
34,955
-
0
5
Debtors
2026
2025
Amounts falling due within one year:
£
£
Trade debtors
231,288
248,624
Prepayments and accrued income
19,109
7,920
250,397
256,544
6
Creditors: amounts falling due within one year
2026
2025
£
£
Obligations under finance leases
7,600
-
0
Trade creditors
713,796
796,022
Taxation and social security
42,210
20,258
Other creditors
435
419
Accruals and deferred income
9,740
11,743
773,781
828,442

Amounts due under hire purchase are secured against the asset which they relate to.

7
Creditors: amounts falling due after more than one year
2026
2025
Notes
£
£
Obligations under finance leases
27,228
-
0
8
Called up share capital
2026
2025
2026
2025
Ordinary share capital
Number
Number
£
£
Issued and fully paid
Ordinary shares of £1 each
100
100
100
100
WEST CRAVEN INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2026
- 6 -
9
Operating lease commitments

At the reporting end date the company had outstanding commitments for future minimum lease payments under non-cancellable operating leases, as follows:

2026
2025
£
£
Total commitments
178,200
210,600
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