1 October 2024 false No description of principal activity Taxfiler 2024.6 08697218business:PrivateLimitedCompanyLtd2024-10-012025-09-30 086972182024-09-30 086972182024-10-012025-09-30 08697218business:AuditExemptWithAccountantsReport2024-10-012025-09-30 08697218business:FilletedAccounts2024-10-012025-09-30 086972182025-09-30 08697218business:Director12024-10-012025-09-30 08697218business:RegisteredOffice2024-10-012025-09-30 086972182024-09-30 08697218core:WithinOneYear2025-09-30 08697218core:WithinOneYear2024-09-30 08697218core:AfterOneYear2025-09-30 08697218core:AfterOneYear2024-09-30 08697218core:ShareCapitalcore:PreviouslyStatedAmount2025-09-30 08697218core:ShareCapitalcore:PreviouslyStatedAmount2024-09-30 08697218core:RetainedEarningsAccumulatedLossescore:PreviouslyStatedAmount2025-09-30 08697218core:RetainedEarningsAccumulatedLossescore:PreviouslyStatedAmount2024-09-30 08697218core:PreviouslyStatedAmount2025-09-30 08697218core:PreviouslyStatedAmount2024-09-30 08697218business:SmallEntities2024-10-012025-09-30 08697218countries:EnglandWales2024-10-012025-09-30 08697218core:PlantMachinery2024-10-012025-09-30 08697218core:MotorVehicles2024-10-012025-09-30 08697218core:PlantMachinery2024-09-30 08697218core:MotorVehicles2024-09-30 08697218core:PlantMachinery2025-09-30 08697218core:MotorVehicles2025-09-30 08697218core:AdditionsToInvestments2025-09-30 08697218business:OrdinaryShareClass12024-10-012025-09-30 08697218business:OrdinaryShareClass12023-10-012024-09-30 086972182023-10-012024-09-30 iso4217:GBP xbrli:shares xbrli:pure
Company Registration No. 08697218 (England and Wales)
Oyster Financial Planning Ltd Unaudited accounts for the year ended 30 September 2025
Oyster Financial Planning Ltd Unaudited accounts Contents
Page
Company information
3
Statement of financial position
4
Notes to the accounts
5
- 2 -
Oyster Financial Planning Ltd Company Information for the year ended 30 September 2025
Director
Michael Osman
Company Number
08697218 (England and Wales)
Registered Office
30 Langdown Lane Hythe Southampton SO45 5GR
Accountants
Black & White Chartered Certified Accountants The Well House 4 Herriard Park Basingstoke Hampshire RG25 2PL
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Oyster Financial Planning Ltd Statement of financial position as at 30 September 2025
2025 
2024 
Notes
£ 
£ 
Fixed assets
Tangible assets
4
45,946 
30,124 
Investments
5
3,627 
- 
49,573 
30,124 
Current assets
Debtors
6
53,576 
76,496 
Cash at bank and in hand
4,187 
15,126 
57,763 
91,622 
Creditors: amounts falling due within one year
7
(34,095)
(53,442)
Net current assets
23,668 
38,180 
Total assets less current liabilities
73,241 
68,304 
Creditors: amounts falling due after more than one year
8
(42,627)
(38,206)
Net assets
30,614 
30,098 
Capital and reserves
Called up share capital
9
30,000 
30,000 
Profit and loss account
614 
98 
Shareholders' funds
30,614 
30,098 
For the year ending 30 September 2025 the company was entitled to exemption from audit 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 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 and in accordance with the provisions of FRS 102 Section 1A - Small Entities. The profit and loss account has not been delivered to the Registrar of Companies.
The financial statements were approved by the Board and authorised for issue on 11 May 2026 and were signed on its behalf by
Michael Osman Director Company Registration No. 08697218
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Oyster Financial Planning Ltd Notes to the Accounts for the year ended 30 September 2025
1
Statutory information
Oyster Financial Planning Ltd is a private company, limited by shares, registered in England and Wales, registration number 08697218. The registered office is 30 Langdown Lane, Hythe, Southampton, SO45 5GR.
2
Compliance with accounting standards
The accounts have been prepared in accordance with the provisions of FRS 102 Section 1A Small Entities. There were no material departures from that standard.
3
Accounting policies
The principal accounting policies adopted in the preparation of the financial statements are set out below and have remained unchanged from the previous year, and also have been consistently applied within the same accounts.
Basis of preparation
The accounts have been prepared under the historical cost convention as modified by the revaluation of certain fixed assets.
Presentation currency
The accounts are presented in £ sterling.
Tangible fixed assets and depreciation
Tangible assets are included at cost less depreciation and impairment. Depreciation has been provided at the following rates in order to write off the assets over their estimated useful lives:
Plant & machinery
50% straight line
Motor vehicles
20% reducing balance
Pension costs
The company operates a defined contribution scheme for the benefit of its employees. Contributions payable are recognised in the profit and loss account when due.
4
Tangible fixed assets
Plant & machinery 
Motor vehicles 
Total 
£ 
£ 
£ 
Cost or valuation
At cost 
At cost 
At 1 October 2024
13,582 
57,560 
71,142 
Additions
- 
48,020 
48,020 
Disposals
- 
(57,560)
(57,560)
At 30 September 2025
13,582 
48,020 
61,602 
Depreciation
At 1 October 2024
12,928 
28,090 
41,018 
Charge for the year
327 
8,295 
8,622 
On disposals
- 
(33,984)
(33,984)
At 30 September 2025
13,255 
2,401 
15,656 
Net book value
At 30 September 2025
327 
45,619 
45,946 
At 30 September 2024
654 
29,470 
30,124 
- 5 -
Oyster Financial Planning Ltd Notes to the Accounts for the year ended 30 September 2025
5
Investments
Other investments 
£ 
Valuation at 1 October 2024
- 
Additions
3,627 
Valuation at 30 September 2025
3,627 
6
Debtors
2025 
2024 
£ 
£ 
Amounts falling due within one year
Amounts due from group undertakings etc.
- 
30,000 
Other debtors
53,576 
46,496 
53,576 
76,496 
7
Creditors: amounts falling due within one year
2025 
2024 
£ 
£ 
Bank loans and overdrafts
6,667 
10,440 
Obligations under finance leases and hire purchase contracts
11,058 
10,445 
Taxes and social security
82,556 
80,465 
Other creditors
9,864 
9,271 
Loans from directors
(77,660)
(58,709)
Accruals
1,610 
1,530 
34,095 
53,442 
8
Creditors: amounts falling due after more than one year
2025 
2024 
£ 
£ 
Bank loans
8,000 
15,310 
Obligations under finance leases and hire purchase contracts
34,627 
22,896 
42,627 
38,206 
9
Share capital
2025 
2024 
£ 
£ 
Allotted, called up and fully paid:
30,000 Ordinary shares of £1 each
30,000 
30,000 
10
Average number of employees
During the year the average number of employees was 3 (2024: 3).
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