Immunity Financial Solutions Limited iXBRL

Immunity Financial Solutions Limited

Director's Report and Unaudited Financial Statements

for the financial year ended 31 December 2025

Immunity Financial Solutions Limited

DIRECTOR AND OTHER INFORMATION


Director	Benjamin Chinn


Company Registration Number	08338356


Registered Office and Business Address	67 Abbey Road
	Bristol
	BS9 3QL
	United Kingdom


Accountants	ABW Acountants Limited
	Chartered Accountant
	Raw Space
	111 Gloucester Road
	Bishopston
	Bristol
	BS7 8AT

Immunity Financial Solutions Limited

DIRECTOR'S REPORT

for the financial year ended 31 December 2025

The director presents his report and the unaudited financial statements for the financial year ended 31 December 2025.

Director

The director who served during the financial year is as follows:

Benjamin Chinn

There were no changes in shareholdings between 31 December 2025 and the date of signing the financial statements.

In accordance with the Constitution, the director retire by rotation and, being eligible, offer themselves for re-election.

Political Contributions

The company did not make any disclosable political donations in the current financial year.

Statement of Director's Responsibilities

The director is responsible for preparing the Director's Report and the financial statements in accordance with applicable law and regulations.

Company law requires the director to prepare financial statements for each financial year. Under that law the director has elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law) including FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" Section 1A (Small Entities). Under company law the director must not approve the financial statements unless he is satisfied that they give a true and fair view of the state of affairs of the company and of the profit or loss of the company for that period.

In preparing these financial statements, the director is required to:

select suitable accounting policies and apply them consistently;

make judgements and accounting estimates that are reasonable and prudent;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the company will continue in business.

The director is responsible for keeping adequate accounting records that are sufficient to show and explain the company's transactions and disclose with reasonable accuracy at any time the financial position of the company and enable him to ensure that the financial statements comply with the Companies Act 2006. He is also responsible for safeguarding the assets of the company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Special provisions relating to small companies

The above report has been prepared in accordance with the special provisions relating to small companies within Part 15 of the Companies Act 2006.

On behalf of the board

Benjamin Chinn

Director

29 May 2026

Immunity Financial Solutions Limited

CHARTERED ACCOUNTANT REPORT

to the Director on the Compilation of the unaudited financial statements of Immunity Financial Solutions Limited

for the financial year ended 31 December 2025

In accordance with our engagement letter and in order to assist you to fulfil your duties under the Companies Act 2006, we have compiled for your approval the financial statements of the company for the financial year ended 31 December 2025 as set out on pages to which comprise the Profit and Loss Account, the Balance Sheet, the Statement of Changes in Equity and the related notes from the company's accounting records and from information and explanations you have given to us.

As a member firm of the Institute of Chartered Accountants in England and Wales, we are subject to its ethical and other professional requirements which are detailed at <www.icaew.com/membershandbook>.

This report is made solely to the director of Immunity Financial Solutions Limited, in accordance with the terms of our engagement. Our work has been undertaken so that we might compile the financial statements that we have been engaged to compile, report to the company’s Director that we have done so, and state those matters that we have agreed to state to them in this report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and its director for our work or for this report.

You have acknowledged on the Balance Sheet for the year ended 31 December 2025 your duty to ensure that Immunity Financial Solutions Limited has kept adequate accounting records and to prepare statutory financial statements that give a true and fair view of the assets, liabilities, financial position and profit of Immunity Financial Solutions Limited. You consider that Immunity Financial Solutions Limited is exempt from the statutory audit requirement for the financial year.

We have not been instructed to carry out an audit or a review of the financial statements of Immunity Financial Solutions Limited. For this reason, we have not verified the adequacy, accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory financial statements.

ABW ACOUNTANTS LIMITED

Chartered Accountant

Raw Space

111 Gloucester Road

Bishopston

Bristol

BS7 8AT

29 May 2026

Immunity Financial Solutions Limited

PROFIT AND LOSS ACCOUNT

for the financial year ended 31 December 2025

	2025	2024
Notes	£	£

Turnover	64,932	57,077

Cost of sales	(6,195)	(6,118)
	─────────	─────────
Gross profit	58,737	50,959

Administrative expenses	(27,382)	(27,664)
	─────────	─────────
Operating profit	31,355	23,295

Interest receivable and similar income	36	41
Interest payable and similar expenses	(850)	(638)
	─────────	─────────
Profit before taxation	30,541	22,698

Tax on profit	(5,803)	(4,337)
	─────────	─────────
Profit for the financial year	24,738	18,361
	─────────	─────────
Total comprehensive income	24,738	18,361
	═════════	═════════

Immunity Financial Solutions Limited

Company Registration Number: 08338356

BALANCE SHEET

as at 31 December 2025

		2025	2024
	Notes	£	£

Fixed Assets

Tangible assets

905

448

─────────

Current Assets

Debtors

4,973

11,340

Cash and cash equivalents

9,078

3,484

─────────

14,051

14,824

─────────

Creditors: amounts falling due within one year

(10,364)

(8,005)

─────────

Net Current Assets

3,687

6,819

─────────

Total Assets less Current Liabilities

4,592

7,267

Creditors:

amounts falling due after more than one year

(4,288)

(7,038)

Provisions for liabilities

(172)

(85)

─────────

Net Assets

132

144

═════════

Capital and Reserves

Called up share capital

100

100

Retained earnings

─────────

Equity attributable to owners of the company

132

144

═════════

The financial statements have been prepared 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).

For the financial year ended 31 December 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006.

The director confirms that the members have not required the company to obtain an audit of its financial statements for the financial year in question in accordance with section 476 of the Companies Act 2006.

The director acknowledges his responsibilities for ensuring that the company keeps accounting records which comply with section 386 and for preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of the financial year and of its profit and loss for the 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.

Approved by the Director and authorised for issue on 29 May 2026



Benjamin Chinn
Director

Immunity Financial Solutions Limited

STATEMENT OF CHANGES IN EQUITY

as at 31 December 2025

	Called up	Retained	Total
	share	earnings
	capital
	£	£	£

At 1 January 2024	100	33	133
	─────────	─────────	─────────
Profit for the financial year	-	18,361	18,361
	─────────	─────────	─────────
Payment of dividends	-	(18,350)	(18,350)
	─────────	─────────	─────────
At 31 December 2024	100	44	144
	─────────	─────────	─────────
Profit for the financial year	-	24,738	24,738
	─────────	─────────	─────────
Payment of dividends	-	(24,750)	(24,750)
	─────────	─────────	─────────
At 31 December 2025	100	32	132
	═════════	═════════	═════════

Immunity Financial Solutions Limited

NOTES TO THE FINANCIAL STATEMENTS

for the financial year ended 31 December 2025

General Information

Immunity Financial Solutions Limited is a company limited by shares incorporated and registered in the United Kingdom. The registered number of the company is 08338356. The registered office of the company is 67 Abbey Road, Bristol, BS9 3QL, United Kingdom which is also the principal place of business of the company. financial advice. The financial statements have been presented in Pound (£) which is also the functional currency of the company.

Summary of Significant Accounting Policies

The following accounting policies have been applied consistently in dealing with items which are considered material in relation to the company's financial statements.

Statement of compliance

The financial statements of the company for the financial year ended 31 December 2025 have been prepared in accordance with the provisions of FRS 102 Section 1A (Small Entities) and the Companies Act 2006.

Basis of preparation

The financial statements have been prepared on the going concern basis and in accordance with the historical cost convention except for certain properties and financial instruments that are measured at revalued amounts or fair values, as explained in the accounting policies below. Historical cost is generally based on the fair value of the consideration given in exchange for assets.

Turnover

Turnover comprises the invoice value of goods supplied by the company, exclusive of trade discounts and value added tax.

Tangible assets and depreciation

Tangible assets are stated at cost or at valuation, less accumulated depreciation. The charge to depreciation is calculated to write off the original cost or valuation of tangible assets, less their estimated residual value, over their expected useful lives as follows:

Fixtures, fittings and equipment

25% Reducing Balance

The carrying values of tangible fixed assets are reviewed annually for impairment in periods if events or changes in circumstances indicate the carrying value may not be recoverable.

Trade and other debtors

Trade and other debtors are initially recognised at fair value and thereafter stated at amortised cost using the effective interest method less impairment losses for bad and doubtful debts except where the effect of discounting would be immaterial. In such cases the receivables are stated at cost less impairment losses for bad and doubtful debts.

Borrowing costs

Borrowing costs relating to the acquisition of assets are capitalised at the appropriate rate by adding them to the cost of assets being acquired. Investment income earned on the temporary investment of specific borrowings pending their expenditure on the assets is deducted from the borrowing costs eligible for capitalisation. All other borrowing costs are recognised in profit or loss in the period in which they are incurred.

Provisions

Provisions are recognised when the company has a present legal or constructive obligation arising as a result of a past event, it is probable that an outflow of economic benefits will be required to settle the obligation and a reliable estimate can be made. Provisions are measured at the present value of the expenditures expected to be required to settle the obligation using a pre-tax rate that reflects current market assessments of the same value of money and the risks specific to the obligation. The increase in the provision due to passage of time is recognised as interest expense.

Trade and other creditors

Trade and other creditors are initially recognised at fair value and thereafter stated at amortised cost using the effective interest rate method, unless the effect of discounting would be immaterial, in which case they are stated at cost.

Taxation and deferred taxation

Current tax represents the amount expected to be paid or recovered in respect of taxable profits for the financial year and is calculated using the tax rates and laws that have been enacted or substantially enacted at the Balance Sheet date.

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date where transactions or events have occurred at that date that will result in an obligation to pay more tax in the future, or a right to pay less tax in the future. Timing differences are temporary differences between the company's taxable profits and its results as stated in the financial statements.

Deferred tax is measured on an undiscounted basis at the tax rates that are anticipated to apply in the periods in which the timing differences are expected to reverse, based on tax rates and laws that have been enacted or substantively enacted by the Balance Sheet date.

Ordinary share capital

The ordinary share capital of the company is presented as equity.

Employees

The average monthly number of employees, including director, during the financial year was 1, (2024 - 1).


4.	Tangible assets
		Fixtures,	Total
		fittings and
		equipment
		£	£
	Cost
	At 1 January 2025	4,100	4,100
	Additions	759	759
		─────────	─────────
	At 31 December 2025	4,859	4,859
		─────────	─────────
	Depreciation
	At 1 January 2025	3,652	3,652
	Charge for the financial year	302	302
		─────────	─────────
	At 31 December 2025	3,954	3,954
		─────────	─────────
	Net book value
	At 31 December 2025	905	905
		═════════	═════════
	At 31 December 2024	448	448
		═════════	═════════


5.	Debtors	2025	2024
		£	£

	Trade debtors	4,380	2,967
	Director's current account	-	7,530
	Prepayments and accrued income	593	843
		─────────	─────────
		4,973	11,340
		═════════	═════════


6.	Creditors	2025	2024
	Amounts falling due within one year	£	£

	Bank loan	1,900	1,900
	Taxation (Note 8)	6,000	4,365
	Director's current account	688	-
	Accruals	1,776	1,740
		─────────	─────────
		10,364	8,005
		═════════	═════════


7.	Creditors	2025	2024
	Amounts falling due after more than one year	£	£

	Bank loan	4,288	7,038
		═════════	═════════

	Loans
	Repayable in one year or less, or on demand (Note 6)	1,900	1,900
	Repayable between one and two years	4,288	7,038
		─────────	─────────
		6,188	8,938
		═════════	═════════


8.	Taxation	2025	2024
		£	£

	Creditors:
	Corporation tax	5,716	4,365
	PAYE / NI	284	-
		─────────	─────────
		6,000	4,365
		═════════	═════════


9.	Provisions for liabilities

	The amounts provided for deferred taxation are analysed below:

		Capital	Total	Total
		allowances

			2025	2024
		£	£	£

	At financial year start	85	85	114
	Charged to profit and loss	87	87	(29)
		─────────	─────────	─────────
	At financial year end	172	172	85
		═════════	═════════	═════════

10.

Ultimate Controlling Party

Mr Ben Chinn is the ultimate controlling party.

Immunity Financial Solutions Limited

SUPPLEMENTARY INFORMATION RELATING TO THE FINANCIAL STATEMENTS

TRADING STATEMENT

for the financial year ended 31 December 2025




		2025	2024
	Schedule	£	£

Sales		64,932	57,077
Cost of sales	1	(6,195)	(6,118)
		─────────	─────────
Gross profit		58,737	50,959
		─────────	─────────
Gross profit Percentage		90.5%	89.3%
		─────────	─────────

Overhead expenses	2	(28,232)	(28,302)
		─────────	─────────
		30,505	22,657

Miscellaneous income	3	36	41
		─────────	─────────
Net profit		30,541	22,698
		═════════	═════════

Immunity Financial Solutions Limited

SUPPLEMENTARY INFORMATION RELATING TO THE FINANCIAL STATEMENTS

SCHEDULE 1 : COST OF SALES

for the financial year ended 31 December 2025




	2025	2024
	£	£
Cost of Sales

Advisor & Introducer fees	6,195	6,118
	─────────	─────────
	6,195	6,118
	═════════	═════════

Immunity Financial Solutions Limited

SUPPLEMENTARY INFORMATION RELATING TO THE FINANCIAL STATEMENTS

SCHEDULE 2 : OVERHEAD EXPENSES

for the financial year ended 31 December 2025




	2025	2024
	£	£

Administration Expenses

Wages and salaries (including director's remuneration)

14,552

11,023

Social security costs

1,330

Use of home as office

312

312

Rent payable

1,188

1,188

Insurance

407

407

Printing, postage and stationery

101

Advertising

157

100

Computer costs

589

261

Subscriptions

Travel, subsistence & mileage

3,329

3,521

Consultancy fees

3,264

9,014

Accountancy Fees

1,356

1,260

Bank charges

352

273

General expenses

Depreciation of tangible assets

302

150

─────────

27,382

27,664

─────────

Finance

Other interest	850	638
	─────────	─────────

Total Overheads	28,232	28,302
	═════════	═════════

Immunity Financial Solutions Limited

SUPPLEMENTARY INFORMATION RELATING TO THE FINANCIAL STATEMENTS

SCHEDULE 3 : MISCELLANEOUS INCOME

for the financial year ended 31 December 2025




	2025	2024
	£	£
Miscellaneous Income

Bank Interest	36		41
	═════════		═════════