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Company Registration No. 10207832 (England and Wales)
Bespoke Payments Ltd Unaudited accounts for the year ended 30 November 2025
Bespoke Payments Ltd Unaudited accounts Contents
Page
Company information
3
Statement of financial position
4
Notes to the accounts
5
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Bespoke Payments Ltd Company Information for the year ended 30 November 2025
Director
Christopher Donnachie
Company Number
10207832 (England and Wales)
Registered Office
20-22 Wenlock Road London N1 7GU United Kingdom
Accountants
Multiply Accountancy Limited 71-75 Shelton Street London WC2H 9JQ
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Bespoke Payments Ltd Statement of financial position as at 30 November 2025
2025
2024
Notes
£
£
Fixed assets
Intangible assets
4
10,508
13,349
Tangible assets
5
-
112
10,508
13,461
Current assets
Debtors
6
33,944
32,555
Cash at bank and in hand
4,793
121
38,737
32,676
Creditors: amounts falling due within one year
7
(164,909)
(183,450)
Net current liabilities
(126,172)
(150,774)
Total assets less current liabilities
(115,664)
(137,313)
Creditors: amounts falling due after more than one year
8
-
(3,860)
Net liabilities
(115,664)
(141,173)
Capital and reserves
Called up share capital
1
1
Profit and loss account
(115,665)
(141,174)
Shareholders' funds
(115,664)
(141,173)
For the year ending 30 November 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 5 May 2026 and were signed on its behalf by
Christopher Donnachie Director Company Registration No. 10207832
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Bespoke Payments Ltd Notes to the Accounts for the year ended 30 November 2025
1
Statutory information
Bespoke Payments Ltd is a private company, limited by shares, registered in England and Wales, registration number 10207832. The registered office is 20-22 Wenlock Road, London, N1 7GU, United Kingdom.
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.
Turnover
Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. Turnover from the sale of goods is recognised when goods have been delivered to customers such that risks and rewards of ownership have transferred to them. 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.
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
33.3% straight line
Intangible fixed assets
Intangible fixed assets (including purchased goodwill and patents) are included at cost less accumulated amortisation.
Going concern
These financial statements have been prepared on the going concern basis despite the losses that have been built. The director intends to support the company financially in the foreseeable future and for not less than at least the next 12 months.
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Bespoke Payments Ltd Notes to the Accounts for the year ended 30 November 2025
4
Intangible fixed assets
Other
£
Cost
At 1 December 2024
28,405
At 30 November 2025
28,405
Amortisation
At 1 December 2024
15,056
Charge for the year
2,841
At 30 November 2025
17,897
Net book value
At 30 November 2025
10,508
At 30 November 2024
13,349
5
Tangible fixed assets
Plant & machinery
£
Cost or valuation
At cost
At 1 December 2024
11,164
At 30 November 2025
11,164
Depreciation
At 1 December 2024
11,052
Charge for the year
112
At 30 November 2025
11,164
Net book value
At 30 November 2025
-
At 30 November 2024
112
6
Debtors
2025
2024
£
£
Amounts falling due within one year
Trade debtors
122
17,822
Accrued income and prepayments
22,146
5,828
Other debtors
11,676
8,905
33,944
32,555
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Bespoke Payments Ltd Notes to the Accounts for the year ended 30 November 2025
7
Creditors: amounts falling due within one year
2025
2024
£
£
Bank loans and overdrafts
27,514
15,338
Trade creditors
11,000
23,734
Taxes and social security
3,586
615
Other creditors
7,780
8,995
Loans from directors
108,779
130,918
Accruals
6,250
3,850
164,909
183,450
8
Creditors: amounts falling due after more than one year
2025
2024
£
£
Bank loans
-
3,860
9
Transactions with related parties
Included within other debtors is £200 owed by (2024: £2,571 owed to) Kernel Edge Technologies Ltd, a company related by common directorship. The balance is interest free and repayable on demand. During the year the company received £22,230 (2024: £38,291), and repaid amounts totalling £44,369 (2024: £20,708) to the company's director. At the balance sheet date the company owed the director £108,779 (2024: £130,918). This outstanding balance is interest free and repayable on demand.
10
Average number of employees
During the year the average number of employees was 1 (2024: 1).
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