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Company registration number: 09565939
Cardinal Financial Planning and Wealth Management Ltd
Unaudited filleted financial statements
30 April 2026
Cardinal Financial Planning and Wealth Management Ltd
Contents
Directors and other information
Accountant's report
Statement of financial position
Statement of changes in equity
Notes to the financial statements
Cardinal Financial Planning and Wealth Management Ltd
Directors and other information

| Director | Mr Richard Kear
| Company number | 09565939
| Registered office | Unit 2 The Rutherford Centre, Dunlop Road
|  | Hadleigh Road Industrial Estate
|  | Ipswich
|  | Suffolk
|  | IP2 0UG
| Business address | 8a Warren Heath Road
|  | Ipswich
|  | Suffolk
|  | IP3 8TD
| Accountant | Simon Emmerson MAAT AATQB
|  | Deeks and King
|  | 14 Dunlop Road
|  | Hadleigh Road Ind Est
|  | Ipswich, Suffolk
|  | IP2 0UG

| Bankers | Lloyds Bank

Cardinal Financial Planning and Wealth Management Ltd
Accountants report to the director on the preparation of the
unaudited statutory financial statements of Cardinal Financial Planning and Wealth Management Ltd
Year ended 30 April 2026
As described on the statement of financial position, the director of the company is responsible for the preparation of the financial statements for the year ended 30 April 2026 which comprise the statement of financial position, statement of changes in equity and related notes.
You consider that the company is exempt from an audit under the Companies Act 2006. In accordance with your instructions I have compiled these unaudited financial statements in order to assist you to fulfil your statutory responsibilities, from the accounting records and from information and explanations supplied to me.
Simon Emmerson MAAT AATQB
Deeks and King
14 Dunlop Road
Hadleigh Road Ind Est
Ipswich, Suffolk
IP2 0UG
5 June 2026
Cardinal Financial Planning and Wealth Management Ltd
Statement of financial position
30 April 2026

|  |  | 2026 |  |  |  | 2025 |  |
|  | Note | £ |  | £ |  | £ |  | £
Fixed assets |  |  |  |  |  |  |  |  |
Tangible assets |  | 5 | 5,256 |  |  |  | 6,086 |  |
|  |  | _______ |  |  |  | _______ |  |
|  |  |  |  | 5,256 |  |  |  | 6,086
Current assets |  |  |  |  |  |  |  |  |
Cash at bank and in hand |  |  | 90,333 |  |  |  | 69,834 |  |
|  |  | _______ |  |  |  | _______ |  |
|  |  | 90,333 |  |  |  | 69,834 |  |
Creditors: amounts falling due |  |  |  |  |  |  |  |  |
within one year |  | 6 | ( 20,753) |  |  |  | ( 15,654) |  |
|  |  | _______ |  |  |  | _______ |  |
Net current assets |  |  |  |  | 69,580 |  |  |  | 54,180
|  |  |  |  | _______ |  |  |  | _______
Total assets less current liabilities |  |  |  |  | 74,836 |  |  |  | 60,266
|  |  |  |  | _______ |  |  |  | _______
Net assets |  |  |  |  | 74,836 |  |  |  | 60,266
|  |  |  |  | _______ |  |  |  | _______
Capital and reserves |  |  |  |  |  |  |  |  |
Called up share capital |  |  |  |  | 4 |  |  |  | 4
Profit and loss account |  |  |  |  | 74,832 |  |  |  | 60,262
|  |  |  |  | _______ |  |  |  | _______
Shareholders funds |  |  |  |  | 74,836 |  |  |  | 60,266
|  |  |  |  | _______ |  |  |  | _______

For the year ending 30 April 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
Director's responsibilities:
- The members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476;
- The director acknowledges their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of financial statements.
These financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies' regime and in accordance with Section 1A of FRS 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland'.
In accordance with section 444 of the Companies Act 2006, the statement of comprehensive income has not been delivered.
These financial statements were approved by the board of directors and authorised for issue on 05 June 2026 , and are signed on behalf of the board by:
Mr Richard Kear
Director
Company registration number: 09565939
Cardinal Financial Planning and Wealth Management Ltd
Statement of changes in equity
Year ended 30 April 2026

|  | Called up share capital |  | Profit and loss account | Total |  |  |  |  |
|  | £ |  | £ | £ |  |  |  |  |
At 1 May 2024 |  | 4 |  | 49,813 | 49,817 |  |  |  |  |
Profit for the year |  |  |  | 50,449 | 50,449 |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |
Total comprehensive income for the year |  | - |  | 50,449 | 50,449 |  |  |  |  |
Dividends paid and payable |  |  |  | ( 40,000) | ( 40,000) |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |
Total investments by and distributions to owners |  | - |  | ( 40,000) | ( 40,000) |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |
At 30 April 2025 and 1 May 2025 |  | 4 |  | 60,262 | 60,266 |  |  |  |  |
Profit for the year |  |  |  | 64,070 | 64,070 |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |
Total comprehensive income for the year |  | - |  | 64,070 | 64,070 |  |  |  |  |
Dividends paid and payable |  |  |  | ( 49,500) | ( 49,500) |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |
Total investments by and distributions to owners |  | - |  | ( 49,500) | ( 49,500) |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |
At 30 April 2026 |  | 4 |  | 74,832 | 74,836 |  |  |  |  |
|  | _______ |  | _______ | _______ |  |  |  |  |

Cardinal Financial Planning and Wealth Management Ltd
Notes to the financial statements
Year ended 30 April 2026
1. General information
The company is a private company limited by shares, registered in England. The address of the registered office is Unit 2 The Rutherford Centre, Dunlop Road, Hadleigh Road Industrial Estate, Ipswich, Suffolk, IP2 0UG.
2. Statement of compliance
These financial statements have been prepared in compliance with the provisions of FRS 102, Section 1A, 'The Financial Reporting Standard applicable in the UK and Republic of Ireland'.
3. Accounting policies
Basis of preparation
The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through profit or loss.
The financial statements are prepared in sterling, which is the functional currency of the entity.
Turnover
Turnover is measured at the fair value of the consideration received or receivable for goods supplied and services rendered, net of discounts and Value Added Tax.
Revenue from the sale of goods is recognised when the significant risks and rewards of ownership have transferred to the buyer (usually on despatch of the goods); the amount of revenue can be measured reliably; it is probable that the associated economic benefits will flow to the entity; and the costs incurred or to be incurred in respect of the transactions can be measured reliably.
Tangible assets
tangible assets are initially recorded at cost, and are subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses. An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other comprehensive income and accumulated in capital and reserves, except to the extent it reverses a revaluation decrease of the same asset previously recognised in profit or loss. A decrease in the carrying amount of an asset as a result of revaluation is recognised in other comprehensive income to the extent of any previously recognised revaluation increase accumulated in capital and reserves in respect of that asset. Where a revaluation decrease exceeds the accumulated revaluation gains accumulated in capital and reserves in respect of that asset, the excess shall be recognised in profit or loss.
Depreciation
Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:
If there is an indication that there has been a significant change in depreciation rate, useful life or residual value of tangible assets, the depreciation is revised prospectively to reflect the new estimates.
Defined contribution plans
Contributions to defined contribution plans are recognised as an expense in the period in which the related service is provided. Prepaid contributions are recognised as an asset to the extent that the prepayment will lead to a reduction in future payments or a cash refund. When contributions are not expected to be settled wholly within 12 months of the end of the reporting date in which the employees render the related service, the liability is measured on a discounted present value basis. The unwinding of the discount is recognised in finance costs in profit or loss in the period in which it arises.
4. Employee numbers
The average number of persons employed by the company during the year amounted to 4 (2025: 4 ).
5. Tangible assets

|  | Fixtures, fittings and equipment | Total |  |  |  |  |
|  | £ | £ |  |  |  |  |
| Cost |  |  |  |  |  |  |
| At 1 May 2025 | 14,909 | 14,909 |  |  |  |  |
| Additions | 323 | 323 |  |  |  |  |
|  | _______ | _______ |  |  |  |  |
| At 30 April 2026 | 15,232 | 15,232 |  |  |  |  |
|  | _______ | _______ |  |  |  |  |
| Depreciation |  |  |  |  |  |  |
| At 1 May 2025 | 8,823 | 8,823 |  |  |  |  |
| Charge for the year | 1,153 | 1,153 |  |  |  |  |
|  | _______ | _______ |  |  |  |  |
| At 30 April 2026 | 9,976 | 9,976 |  |  |  |  |
|  | _______ | _______ |  |  |  |  |
| Carrying amount |  |  |  |  |  |  |
| At 30 April 2026 | 5,256 | 5,256 |  |  |  |  |
|  | _______ | _______ |  |  |  |  |
| At 30 April 2025 | 6,086 | 6,086 |  |  |  |  |
|  | _______ | _______ |  |  |  |  |

6. Creditors: amounts falling due within one year

|  |  | 2026 | 2025
|  |  | £ | £
| Corporation tax |  | 18,297 | 13,287
| Other creditors |  | 2,456 | 2,367
|  |  | _______ | _______
|  |  | 20,753 | 15,654
|  |  | _______ | _______

7. Directors advances, credits and guarantees

| During the year the director entered into the following advances and credits with the company: |  |  |  |  |  |
2026 |  |  |  |  |  |  |
|  | Balance brought forward | Advances /(credits) to the director | Amounts repaid | Balance o/standing |  |
|  | £ | £ | £ | £ |  |
| Mr Richard Kear | ( 125) | 1,732 | ( 2,080) | ( 473) |  |
|  | _______ | _______ | _______ | _______ |  |
2025 |  |  |  |  |  |  |
|  | Balance brought forward | Advances /(credits) to the director | Amounts repaid | Balance o/standing |  |
|  | £ | £ | £ | £ |  |
| Mr Richard Kear | ( 1,592) | 3,746 | ( 2,279) | ( 125) |  |
|  | _______ | _______ | _______ | _______ |  |