Cardinal Financial Planning and Wealth Management Ltd 30/04/2026 iXBRL

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)
		_______	_______	_______	_______