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# THE INS GROUP LTD

## Company Registration Number:
09546639 (England and Wales)

## Unaudited abridged accounts for the year ended 31 December 2025

## Period of accounts

## Start date: 01 May 2025

## End date: 31 December 2025

# THE INS GROUP LTD

## Contents of the Financial Statements

for the Period Ended 31 December 2025

Balance sheet |
Notes |

# THE INS GROUP LTD

## Balance sheet

As at 31 December 2025

| Notes | 31 December 2025 | 30 April 2025
--- | --- | --- | ---
|  | £ | £
Called up share capital not paid: |  | 0 | 0
Fixed assets
Intangible assets: | 3 | 64,418 | 0
Tangible assets: | 4 | 5,350 | 10,349
Total fixed assets: |  | 69,768 | 10,349
Current assets
Debtors: | 5 | 707,798 | 562,780
Cash at bank and in hand: |  | 261,806 | 239,430
Total current assets: |  | 969,604 | 802,210
Creditors: amounts falling due within one year: | 6 | (339,602) | (354,535)
Net current assets (liabilities): |  | 630,002 | 447,675
Total assets less current liabilities: |  | 699,770 | 458,024
Creditors: amounts falling due after more than one year: |  | 0 | 0
Total net assets (liabilities): |  | 699,770 | 458,024
Capital and reserves
Called up share capital: |  | 289 | 201
Share premium account: |  | 99,912 | 0
Profit and loss account: |  | 599,569 | 457,823
Shareholders funds: |  | 699,770 | 458,024

The notes form part of these financial statements

# THE INS GROUP LTD

## Balance sheet statements

For the year ending 31 December 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.

The members have agreed to the preparation of abridged accounts for this accounting period in accordance with Section 444(2A).

These accounts have been prepared in accordance with the provisions applicable to companies subject to the small companies regime.

The directors have chosen to not file a copy of the company’s profit & loss account.

This report was approved by the board of directors on 30 January 2026
and signed on behalf of the board by:

Name: M L Wilkie
Status: Director

The notes form part of these financial statements

# THE INS GROUP LTD

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 1. Accounting policies

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

## Turnover policy

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.

## Tangible fixed assets and depreciation policy

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: Plant & Machinery - 33% Straight line Motor Vehicles - 33% Straight line Computer Equipment - 33% Straight line

## Intangible fixed assets and amortisation policy

Development costs that meet the recognition criteria of FRS 102 are capitalised as intangible assets. Capitalised development costs are amortised on a straight-line basis over their estimated useful economic life of 10 years, commencing when the asset is available for use. Development costs not yet available for use are not amortised

## Other accounting policies

Accounting Period The financial statements are prepared for the period of 8 months ended 31st December 2025, following a change in the Company’s accounting reference date to 31 December. The comparative figures are for the year ended 30 April 2025 and are therefore not directly comparable. Foreign Currencies Monetary assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at the balance sheet date. Transactions in foreign currencies are translated into sterling at the rate ruling on the date of the transaction. Exchange differences are taken into account in arriving at the operating profit. Taxation Income tax expense represents the sum of the tax currently payable and deferred tax. The 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 years 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 assets reflect 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 and deferred tax are recognised in profit or loss for the year, except when they relate to items that are recognised in other comprehensive income or directly in equity, in which case current and deferred tax are recognised in other comprehensive income or directly in equity respectively. Pensions The company operates a defined pension contribution scheme. Contributions are charged to the profit and loss account as they become payable in accordance with the rules of the scheme.

# THE INS GROUP LTD

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 2. Employees

| 31 December 2025 | 30 April 2025
--- | --- | ---
Average number of employees during the period | 15 | 23

# THE INS GROUP LTD

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 3. Intangible Assets

| Total
--- | ---
Cost | £
At 01 May 2025 | 0
Additions | 71,576
At 31 December 2025 | 71,576
Amortisation |
At 01 May 2025 | 0
Charge for year | 7,158
At 31 December 2025 | 7,158
Net book value |
At 31 December 2025 | 64,418
At 30 April 2025 | 0

The development costs capitalised were available for use during the period and amortisation commenced accordingly.

# THE INS GROUP LTD

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 4. Tangible Assets

| Total
--- | ---
Cost | £
At 01 May 2025 | 35,442
Additions | 7,149
At 31 December 2025 | 42,591
Depreciation |
At 01 May 2025 | 25,093
Charge for year | 12,148
At 31 December 2025 | 37,241
Net book value |
At 31 December 2025 | 5,350
At 30 April 2025 | 10,349

# THE INS GROUP LTD

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 5. Debtors

| 31 December 2025 | 30 April 2025
--- | --- | ---
| £ | £
Debtors due after more than one year: | 0 | 0

Amounts falling due within one year Trade Debtors - £539,365 Accrued Income & Prepayments - £145,788 Deferred Tax Asset - £2,128 Other Debtors - £20,427

# THE INS GROUP LTD

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 6. Creditors: amounts falling due within one year note

VAT - £127,793 Trade Creditors - £103,722 Taxes and social security - £8,136 Pension Liabilities - £139 Accruals - £99,812