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REGISTERED NUMBER: 04588908 (England and Wales)

| CHARTER INSURANCE BROKERS LIMITED |

| UNAUDITED FINANCIAL STATEMENTS |

| FOR THE YEAR ENDED 31ST DECEMBER 2025 |

CHARTER INSURANCE BROKERS LIMITED (REGISTERED NUMBER: 04588908)

CONTENTS OF THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31ST DECEMBER 2025

| Page |

Company Information | 1 |

Balance Sheet | 2 |

Notes to the Financial Statements | 3 |  | to |  | 5

CHARTER INSURANCE BROKERS LIMITED

COMPANY INFORMATION

FOR THE YEAR ENDED 31ST DECEMBER 2025

| DIRECTORS: | S R Woolley

| B T Woolley

| S Woolley

| REGISTERED OFFICE: | 3365 The Pentagon

| Century Way

| Thorpe Park

| Leeds

| West Yorkshire

| LS15 8ZB

| REGISTERED NUMBER: | 04588908 (England and Wales)

| ACCOUNTANTS: | Thomas Coombs Limited

| Chartered Accountants

| 3365 The Pentagon

| Century Way

| Thorpe Park

| Leeds

| West Yorkshire

| LS15 8ZB

CHARTER INSURANCE BROKERS LIMITED (REGISTERED NUMBER: 04588908)

BALANCE SHEET

31ST DECEMBER 2025

| 2025 | 2024 |

| Notes | £ | £ | £ | £ |

FIXED ASSETS

Intangible assets | 4 | - |  | - |  |

Tangible assets | 5 | 20,845 |  | 23,787 |  |

Investments | 6 | 1,878 |  | 1,878 |  |

22,723 |  | 25,665 |  |

CURRENT ASSETS

Debtors | 7 | 165,004 |  | 76,176 |  |

Cash at bank and in hand | 8,974 |  | 98,114 |  |

173,978 |  | 174,290 |  |

CREDITORS

Amounts falling due within one year | 8 | 89,495 |  | 60,435 |  |

NET CURRENT ASSETS | 84,483 |  | 113,855 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | 107,206 |  | 139,520 |  |

CAPITAL AND RESERVES

Called up share capital | 9 | 64,165 |  | 64,165 |  |

Retained earnings | 43,041 |  | 75,355 |  |

SHAREHOLDERS' FUNDS | 107,206 |  | 139,520 |  |

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31st December 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 31st December 2025 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.

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 13th April 2026 and were signed on its behalf by:

S R Woolley - Director

CHARTER INSURANCE BROKERS LIMITED (REGISTERED NUMBER: 04588908)

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31ST DECEMBER 2025

1. | STATUTORY INFORMATION

| Charter Insurance Brokers 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.

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.

| At the time of signing these accounts, having considered the economic climate, the directors expectations and intentions for the next 12 months, and the availalability of working capital, the directors are of the opinion that the company will reamin viable for the forseeable future and accordingly these financial statements have been prepared on the going conern basis.

| The financial statements are presented in sterling which is the functional currency of the company and rounded to the nearest £1.

| The significant accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all years presented unless otherwise stated.

| Turnover

| Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

| Goodwill

| Goodwill, being the amount paid in connection with the acquistion of a business is nil, being amortised evenly over it's estimated useful life of nil years.

| Tangible fixed assets

| Depreciation is provided at the following annual rates in order to write off the cost less estimated residual value of each asset over its estimated useful life.

| Office Equipment 20% Reducing Balance

| Financial instruments

| The company only enters into transactions in ‘basic’ financial instruments which result in the recognition of assets and liabilities; these include trade and other debtors and creditors, bank balances, loans from banks and other third parties, and loans to related parties. These are recognised in the company’s balance sheet when it becomes party to the contractual

| provisions of the instrument.

| Basic financial assets (other than those classified as payable within one year) are initially measured at cost and are subsequently carried at cost or amortised cost using the effective interest method, less any impairment losses. Basic financial assets classed as receivable within one year are not amortised.

| Basic financial liabilities (other than those classified as payable within one year) are initially measured at present value of future cash flows and subsequently at amortised cost using the effective interest method. Basic financial liabilities classed as payable within one year are not amortised.

| Financial assets and liabilities are offset, with the net amount reported in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

| 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.

CHARTER INSURANCE BROKERS LIMITED (REGISTERED NUMBER: 04588908)

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31ST DECEMBER 2025

2. | ACCOUNTING POLICIES - continued

| 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.

| 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 6 (2024 - 5 ) .

4. | INTANGIBLE FIXED ASSETS

| Goodwill

£ |

| COST

| At 1st January 2025

| and 31st December 2025 | 193,000 |  |

| AMORTISATION

| At 1st January 2025

| and 31st December 2025 | 193,000 |  |

| NET BOOK VALUE

| At 31st December 2025 | - |  |

| At 31st December 2024 | - |  |

5. | TANGIBLE FIXED ASSETS

| Plant and

| machinery

| etc

£ |

| COST

| At 1st January 2025 | 82,423 |  |

| Additions | 2,155 |  |

| At 31st December 2025 | 84,578 |  |

| DEPRECIATION

| At 1st January 2025 | 58,636 |  |

| Charge for year | 5,097 |  |

| At 31st December 2025 | 63,733 |  |

| NET BOOK VALUE

| At 31st December 2025 | 20,845 |  |

| At 31st December 2024 | 23,787 |  |

CHARTER INSURANCE BROKERS LIMITED (REGISTERED NUMBER: 04588908)

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 31ST DECEMBER 2025

6. | FIXED ASSET INVESTMENTS

| Other

| investments

£ |

| COST

| At 1st January 2025

| and 31st December 2025 | 1,878 |  |

| NET BOOK VALUE

| At 31st December 2025 | 1,878 |  |

| At 31st December 2024 | 1,878 |  |

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

2025 | 2024 |

£ | £ |

| Trade debtors | 162,708 |  | 71,288 |  |

| Other debtors | 2,296 |  | 4,888 |  |

165,004 |  | 76,176 |  |

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

2025 | 2024 |

£ | £ |

| Bank loans and overdrafts | 51,811 |  | 16,026 |  |

| Trade creditors | 1,543 |  | 12,150 |  |

| Taxation and social security | 22,747 |  | 30,787 |  |

| Other creditors | 13,394 |  | 1,472 |  |

89,495 |  | 60,435 |  |

9. | CALLED UP SHARE CAPITAL

| Allotted, issued and fully paid:

| Number: | Class: | Nominal | 2025 | 2024 |

| value: | £ | £ |

| 3,140 | Ordinary | £1 | 3,140 |  | 3,140 |  |

| 100 | Ordinary B | £1 | 100 |  | 100 |  |

| 100 | Ordinary C | £1 | 100 |  | 100 |  |

| 60,825 | Redeemable Preference Shares o | £1 | 60,825 |  | 60,825 |  |

64,165 |  | 64,165 |  |