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Company registration number: 07810580
Charity registration number: 1150369
Busybee Finance Ltd
Trustees' Report and
Unaudited Financial Statements
For The Year Ended 30 September 2025
Busybee Finance Ltd
Contents
Contents

| Page
--- | ---
Trustees' Report | 1—2
Independent Examiner's Report | 3
Statement of Financial Activities (including Income and Expenditure Account) | 4
Balance Sheet | 5
Notes to the Financial Statements | 6—9

Page 1
Busybee Finance Ltd
Company No. 07810580
Trustees' Report For The Year Ended 30 September 2025
Trustees' Report
The trustees present their report and the financial statements for the year ended 30 September 2025.
Objectives and Activities
Public Benefit
The main activities of the charity are to provide access to affordable credit and other financial services to individuals who are excluded from mainstream financial services and to provide advice and training in relation to money and debt management.
The trustees confirm that they have complied with the requirements of Section 17 of the Charities Act 2011 to have due regard to the Charity Commission’s guidance on public benefit.
Reference and Administrative Details
Trustees
Mrs C Moore
Ms A Wilcock (resigned 03/06/2025)
Mr C Smyth
Mrs K Kime
Charity Number
1150369
Company Number
07810580
Registered Office
First Floor Queens Court
24 Queen Street
Manchester
M2 5HX
Independent Examiner
M Rathmell FCA
Nuvo Accountancy Ltd (Otley)
Chartered Certified Accountants
14 Beech Hill
Otley
West Yorkshire
LS21 3AX
Page 1
Page 2
Busybee Finance Ltd
Trustees' Report (continued)
For The Year Ended 30 September 2025
Small Company Rules
This report has been prepared in accordance with the special provisions relating to companies subject to the small companies regime within Part 15 of the Companies Act 2006.
The trustees' report was approved by the board of trustees and signed on its behalf by:

Mr C Smyth Trustee
29 May 2026

Page 2
Page 3
Busybee Finance Ltd
Independent Examiner's Report to the Trustees of Busybee Finance Ltd
For The Year Ended 30 September 2025
Independent Examiner's Report to the Trustees of Busybee Finance Ltd
I report to the charity trustees on my examination of the accounts of the Company for the year ended 30 September 2025.
Responsibilities and Basis of Report
As the charity trustees of the Company (and also its directors for the purposes of company law), you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 (“the 2006 Act”).
Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity’s accounts as carried out under section 145 of the Charities Act 2011 (‘the 2011 Act’). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5) (b) of the 2011 Act.
Independent Examiner's Statement
I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe:

1. accounting records were not kept in respect of the Company as required by section 386 of the 2006 Act; or
2. the accounts do not accord with those records; or
3. the accounts do not comply with the accounting requirements of section 396 of the 2006 Act other than any requirement that the accounts give a 'true and fair view' which is not a matter considered as part of an independent examination; or
4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102).

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.
M Rathmell FCA
29 May 2026
Nuvo Accountancy Limited
Chartered Certified Accountants
14 Beech Hill
Otley
West Yorkshire
LS21 3AX
Page 3
Page 4
Busybee Finance Ltd
Statement of Financial Activities (including Income and Expenditure Account)
For The Year Ended 30 September 2025
Statement of Financial Activities (including Income and Expenditure Account)

| 2025 | 2024
--- | --- | ---
| Unrestricted funds | Unrestricted funds
| Notes | £ | £
INCOME AND ENDOWMENTS FROM:
Investments | 3 | 5,177 | 2,258
EXPENDITURE ON:
Raising funds | 4 | (5,865 ) | (4,371 )
NET EXPENDITURE |  | (688 ) | (2,113 )
NET MOVEMENT IN FUNDS |  | (688 ) | (2,113 )
RECONCILIATION OF FUNDS:
Total funds brought forward |  | 111,473 | 113,586
TOTAL FUNDS CARRIED FORWARD | 8 | 110,785 | 111,473

The notes on pages 6 to 8 form part of these financial statements.
Page 4
Page 5
Busybee Finance Ltd
Balance Sheet
As At 30 September 2025
Balance Sheet

| 2025 | 2024
--- | --- | ---
| Unrestricted funds | Total funds
| Notes | £ | £
CURRENT ASSETS
Cash at bank and in hand |  | 111,685 | 111,473
|  | 111,685 | 111,473
Creditors: Amounts Falling Due Within One Year | 7 | (900 ) | -
NET CURRENT ASSETS (LIABILITIES) |  | 110,785 | 111,473
TOTAL ASSETS LESS CURRENT LIABILITIES |  | 110,785 | 111,473
NET ASSETS |  | 110,785 | 111,473
FUNDS OF THE CHARITY
Unrestricted Funds |  | 110,785 | 111,473
TOTAL FUNDS | 8 | 110,785 | 111,473

For the year ending 30 September 2025 the charitable 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 trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
These accounts have been prepared in accordance with the provisions applicable to companies subject to the small companies regime.
On behalf of the board

Mr C Smyth Trustee
29 May 2026

The notes on pages 6 to 8 form part of these financial statements.
Page 5
Page 6
Busybee Finance Ltd
Notes to the Financial Statements
For The Year Ended 30 September 2025
Notes to the Financial Statements
1. General Information
Busybee Finance Ltd is a company limited by guarantee, incorporated in England & Wales, registered number 07810580 and registered charity number 1150369 . The registered office is First Floor Queens Court, 24 Queen Street, Manchester, M2 5HX.
2. Accounting Policies
2.1. Basis of Preparation of Financial Statements
The financial statements have been prepared in accordance with the Charities SORP (FRS 102) "Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)", Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.
The charitable company is a Public Benefit Entity as defined by FRS 102.
2.2. Cash and Cash Equivalents
Cash and cash equivalents are basic financial assets and include cash in hand and deposits held at call with banks, other short-term highly liquid investments that mature in no more than three months from the date of acquisition and are readily convertible to a known amount of cash with insignificant risk of change in value, and bank overdrafts.
3. Investment Income

| 2025 | 2024
--- | --- | ---
| Unrestricted | Unrestricted
| funds | funds
| £ | £
Bank interest receivable | 5,177 | 2,258

4. Analysis of Expenditure

| 2025
--- | ---
| Support costs (see note 5 )
| £
Raising funds | 5,865

| 2024
--- | ---
| Support costs (see note 5 )
| £
Raising funds | 4,371

Page 6
Page 7
Busybee Finance Ltd
Notes to the Financial Statements (continued)
For The Year Ended 30 September 2025
5. Support Costs

| 2025
--- | ---
| Raising funds
| £
General administration | 5,865

| 2024
--- | ---
| Raising funds
| £
General administration | 4,371

6. Average Number of Employees
Average number of employees during the year was: NIL (2024: NIL)
- -
7. Creditors: Amounts Falling Due Within One Year

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Accruals and deferred income | 900 |  | -

8. Movement in Funds

| As at 1 October 2024 | Income | Expenditure | As at 30 September 2025
--- | --- | --- | --- | ---
| £ | £ | £ | £
Unrestricted funds
General:
General unrestricted fund | 111,473 | 5,177 | (5,865 ) | 110,785
Total funds | 111,473 | 5,177 | (5,865 ) | 110,785

| As at 1 October 2023 | Income | Expenditure | As at 30 September 2024
--- | --- | --- | --- | ---
| £ | £ | £ | £
Unrestricted funds
General:
General unrestricted fund | 113,586 | 2,258 | (4,371 ) | 111,473
Total funds | 113,586 | 2,258 | (4,371 ) | 111,473

9. Transactions with Trustees
None of the trustees received any remuneration or any other benefits from an employment with the charity or a related entity during the current or previous year.
No trustee expenses have been incurred.
Page 7
Page 8
Busybee Finance Ltd
Notes to the Financial Statements (continued)
For The Year Ended 30 September 2025
10. Related Party Disclosures
There have been no related party transactions in the reporting period that require disclosure.
11. Company limited by guarantee
The company is limited by guarantee and has no share capital.
Every member of the company undertakes to contribute to the assets of the company, in the event of a winding up, such an amount as may be required not exceeding £1.
Page 8
Page 9
Busybee Finance Ltd
Detailed Statement of Financial Activities (including Income and Expenditure Account)
For The Year Ended 30 September 2025
Detailed Statement of Financial Activities (including Income and Expenditure Account)

| 2025 | 2024
--- | --- | ---
| Total funds | Total funds
| £ | £
INCOME AND ENDOWMENTS FROM:
Investments
Bank interest receivable | 5,177 | 2,258
| 5,177 | 2,258
| 5,177 | 2,258
EXPENDITURE ON:
Raising funds
Audit fees | (3,360) | (660)
Professional fees | (2,361) | (3,183)
Sundry expenses | (144) | (528)
| (5,865) | (4,371)
| (5,865) | (4,371)
NET EXPENDITURE | (688) | (2,113)

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