Acorah Software Products - Accounts Production 19.2.450 false true 31 October 2024 1 November 2023 false 1 November 2024 31 October 2025 31 October 2025 07797549 Robert Loaring Marc Mylum iso4217:GBP iso4217:EUR iso4217:USD xbrli:shares xbrli:pure xbrli:pure 07797549 2024-10-31 07797549 2025-10-31 07797549 2024-11-01 2025-10-31 07797549 frs-core:CurrentFinancialInstruments 2025-10-31 07797549 frs-core:ComputerEquipment 2025-10-31 07797549 frs-core:ComputerEquipment 2024-11-01 2025-10-31 07797549 frs-core:ComputerEquipment 2024-10-31 07797549 frs-core:FurnitureFittings 2025-10-31 07797549 frs-core:FurnitureFittings 2024-11-01 2025-10-31 07797549 frs-core:FurnitureFittings 2024-10-31 07797549 frs-core:RevaluationReserve 2024-11-01 2025-10-31 07797549 frs-core:RevaluationReserve 2024-10-31 07797549 frs-core:RevaluationReserve 2025-10-31 07797549 frs-core:ShareCapital 2025-10-31 07797549 frs-core:RetainedEarningsAccumulatedLosses 2024-11-01 2025-10-31 07797549 frs-core:RetainedEarningsAccumulatedLosses frs-core:PreviouslyStatedAmount 2024-10-31 07797549 frs-core:RetainedEarningsAccumulatedLosses 2025-10-31 07797549 frs-bus:PrivateLimitedCompanyLtd 2024-11-01 2025-10-31 07797549 frs-bus:FilletedAccounts 2024-11-01 2025-10-31 07797549 frs-bus:SmallEntities 2024-11-01 2025-10-31 07797549 frs-bus:AuditExempt-NoAccountantsReport 2024-11-01 2025-10-31 07797549 frs-bus:SmallCompaniesRegimeForAccounts 2024-11-01 2025-10-31 07797549 frs-core:AcceleratedTaxDepreciationDeferredTax 2025-10-31 07797549 frs-core:CostValuation 2024-10-31 07797549 frs-core:DisposalsRepaymentsInvestments 2025-10-31 07797549 frs-core:RevaluationsIncreaseDecreaseInInvestments 2025-10-31 07797549 frs-core:CostValuation 2025-10-31 07797549 frs-core:ListedExchangeTraded 2025-10-31 07797549 frs-core:ListedExchangeTraded 2024-10-31 07797549 frs-core:CostValuation frs-core:ListedExchangeTraded 2024-10-31 07797549 frs-core:DisposalsRepaymentsInvestments frs-core:ListedExchangeTraded 2025-10-31 07797549 frs-core:RevaluationsIncreaseDecreaseInInvestments frs-core:ListedExchangeTraded 2025-10-31 07797549 frs-core:CostValuation frs-core:ListedExchangeTraded 2025-10-31 07797549 frs-core:ProvisionsForImpairmentInvestments frs-core:ListedExchangeTraded 2024-10-31 07797549 frs-core:ProvisionsForImpairmentInvestments frs-core:ListedExchangeTraded 2025-10-31 07797549 frs-core:UnlistedNon-exchangeTraded 2025-10-31 07797549 frs-core:UnlistedNon-exchangeTraded 2024-10-31 07797549 frs-core:CostValuation frs-core:UnlistedNon-exchangeTraded 2024-10-31 07797549 frs-core:DisposalsRepaymentsInvestments frs-core:UnlistedNon-exchangeTraded 2025-10-31 07797549 frs-core:RevaluationsIncreaseDecreaseInInvestments frs-core:UnlistedNon-exchangeTraded 2025-10-31 07797549 frs-core:CostValuation frs-core:UnlistedNon-exchangeTraded 2025-10-31 07797549 frs-core:ProvisionsForImpairmentInvestments frs-core:UnlistedNon-exchangeTraded 2024-10-31 07797549 frs-core:ProvisionsForImpairmentInvestments frs-core:UnlistedNon-exchangeTraded 2025-10-31 07797549 frs-bus:Director1 2024-11-01 2025-10-31 07797549 frs-bus:Director2 2024-11-01 2025-10-31 07797549 frs-countries:EnglandWales 2024-11-01 2025-10-31 07797549 2023-10-31 07797549 2024-10-31 07797549 2023-11-01 2024-10-31 07797549 frs-core:CurrentFinancialInstruments 2024-10-31 07797549 frs-core:RevaluationReserve 2024-10-31 07797549 frs-core:ShareCapital 2024-10-31 07797549 frs-core:RetainedEarningsAccumulatedLosses 2024-10-31
Registered number: 07797549
Smart Advice Financial Solutions Ltd
Unaudited Financial Statements
For The Year Ended 31 October 2025
Karen Crawford Limited
ICAEW
Chapps Farmhouse Slaughterford Mill
Slaughterford
Chippenham
Wiltshire
SN14 8RJ
Contents
Page
Balance Sheet 1—2
Notes to the Financial Statements 3—6
Page 1
Balance Sheet
Registered number: 07797549
2025 2024
Notes £ £ £ £
FIXED ASSETS
Tangible Assets 4 5,051 4,294
Investments 5 69,800 59,612
74,851 63,906
CURRENT ASSETS
Debtors 6 160,785 884,715
Investments 7 800 -
Cash at bank and in hand 2,228,425 2,031,703
2,390,010 2,916,418
Creditors: Amounts Falling Due Within One Year 8 (796,372 ) (2,039,583 )
NET CURRENT ASSETS (LIABILITIES) 1,593,638 876,835
TOTAL ASSETS LESS CURRENT LIABILITIES 1,668,489 940,741
PROVISIONS FOR LIABILITIES
Deferred Taxation 9 (1,262 ) -
NET ASSETS 1,667,227 940,741
CAPITAL AND RESERVES
Called up share capital 10 100 100
Revaluation reserve 12 69,498 17,145
Profit and Loss Account 1,597,629 923,496
SHAREHOLDERS' FUNDS 1,667,227 940,741
Page 1
Page 2
For the year ending 31 October 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 directors 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 and delivered in accordance with the provisions applicable to companies subject to the small companies regime.
The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.
On behalf of the board
Robert Loaring
Director
30/04/2026
The notes on pages 3 to 6 form part of these financial statements.
Page 2
Page 3
Notes to the Financial Statements
1. General Information
Smart Advice Financial Solutions Ltd is a private company, limited by shares, incorporated in England & Wales, registered number 07797549 . The registered office is Chapps Farmhouse Slaughterford Mill, Slaughterford, Chippenham, SN14 8RJ.
2. Accounting Policies
2.1. Basis of Preparation of Financial Statements
The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006 with early adoption of the changes required under the September 2024 FRS review.
2.2. Turnover
Turnover was previously measured at the fair value of the consideration received or receivable, net of discounts and value added taxes. Turnover includes revenue earned from the sale of goods and from the rendering of services. Turnover is reduced for estimated customer returns, rebates and other similar allowances.
Rendering of services
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. Turnover is only recognised to the extent of recoverable expenses when the outcome of a contract cannot be estimated reliably.
However early adoption of the September 2024 FRS review means that from 1st November 2024, the company recognises revenue at the fair value of the consideration received or receivable. Revenue is recognised when the performance obligation has been fulfilled in accordance with FRS 102, Section 23.
Revenue in respect of servicing contracts is recognised as the company performs its obligations and when the outcome of the transaction can be estimated reliably. 
The company is able to reliably estimate the outcome of a service contract when all of the following conditions are satisfied:
● the amount of revenue can be measured reliably;
● it is probable (ie, more likely than not) that the economic benefits associated with the transaction will flow to the entity;
● the stage of completion of the transaction at the end of the reporting period can be measured reliably; and
● the costs incurred for the transaction and the costs to complete the transaction can be measured reliably.
Where the company renders invoices in advance of work performed, the sale is deferred in the balance sheet as deferred income and is presented within creditors falling due within one year until the revenue recognition criteria in FRS 102, Section 23 Revenue is met.
2.3. Tangible Fixed Assets and Depreciation
Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:
Fixtures & Fittings 4 year straight line
Computer Equipment 4 year straight line
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Page 4
2.4. Taxation
Income tax expense represents the sum of the tax currently payable and deferred tax.
The tax currently payable is based on taxable profit for the year. Taxable profit differs from profit as reported in the statement of comprehensive income because of items of income or expense that are taxable or deductible in other years and items that are never taxable or deductible. The company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the end of the reporting period.
Deferred tax is recognised on timing differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. Deferred tax liabilities are generally recognised for all taxable timing differences. Deferred tax assets are generally recognised for all deductible temporary differences to the extent that it is probable that taxable profits will be available against which those deductible timing differences can be utilised. The carrying amount of deferred tax assets is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.
Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realised, based on tax rates (and tax laws) that have been enacted or substantively enacted by the end of the reporting period. Deferred tax liabilities are presented within provisions for liabilities and deferred tax assets within debtors. The measurement of deferred tax liabilities and assets reflect the tax consequences that would follow from the manner in which the Company expects, at the end of the reporting period, to recover or settle the carrying amount of its assets and liabilities.
Current and deferred tax are recognised in profit or loss for the year, except when they relate to items that are recognised in other comprehensive income or directly in equity, in which case current and deferred tax are recognised in other comprehensive income or directly in equity respectively.
2.5. Effect of change in accounting policies
The early adoption of the September 2024 recommended changes to FRS102 1A have resulted in the following material adjustments as a result of the change in revenue recognition: 
Additional income recognised     £1,689,733
Cost of sales adjustment              (£422,433)
UIC provision expense created (£253,460)
Corporation tax due on adjustment (£253,460)
Net profit adjustment              £760,380
3. Average Number of Employees
Average number of employees, including directors, during the year was: 18 (2024: 17)
18 17
4. Tangible Assets
Fixtures & Fittings Computer Equipment Total
£ £ £
Cost
As at 1 November 2024 3,479 23,897 27,376
Additions 161 2,699 2,860
Disposals (497 ) (4,629 ) (5,126 )
As at 31 October 2025 3,143 21,967 25,110
Depreciation
As at 1 November 2024 3,066 20,016 23,082
Provided during the period 257 1,703 1,960
Disposals (497 ) (4,486 ) (4,983 )
As at 31 October 2025 2,826 17,233 20,059
...CONTINUED
Page 4
Page 5
Net Book Value
As at 31 October 2025 317 4,734 5,051
As at 1 November 2024 413 3,881 4,294
5. Investments
Listed Unlisted Total
£ £ £
Cost or Valuation
As at 1 November 2024 302 59,310 59,612
Disposals - (59,310 ) (59,310 )
Revaluations 69,498 - 69,498
As at 31 October 2025 69,800 - 69,800
Provision
As at 1 November 2024 - - -
As at 31 October 2025 - - -
Net Book Value
As at 31 October 2025 69,800 - 69,800
As at 1 November 2024 302 59,310 59,612
6. Debtors
2025 2024
£ £
Due within one year
Trade debtors 600 2,600
Other debtors 160,185 882,115
160,785 884,715
7. Current Asset Investments
2025 2024
£ £
Short term deposits 800 -
8. Creditors: Amounts Falling Due Within One Year
2025 2024
£ £
Trade creditors 258,509 2,395
Other creditors 282,564 1,945,985
Taxation and social security 255,299 91,203
796,372 2,039,583
Page 5
Page 6
9. Deferred Taxation
The provision for deferred tax is made up as follows:
2025 2024
£ £
Accelerated capital allowances 1,262 -
10. Share Capital
2025 2024
£ £
Allotted, Called up and fully paid 100 100
11. Dividends
2025 2024
£ £
On equity shares:
Final dividend paid 663,073 346,100
12. Reserves
Revaluation reserve Profit and Loss Account
£ £
As at 1 November 2024 17,145 923,496
Profit for year - 1,337,206
Surplus on revaluation 52,353 -
Other comprehensive income for the year 52,353 -
Total comprehensive income for the year 52,353 1,337,206
Dividends paid - (663,073)
As at 31 October 2025 69,498 1,597,629
13. Related Party Transactions
Amounts owed to directors are included within Other Creditors with balances at 31st October 2025:
Robert LoaringDirectorAmounts owed to director £51,684

Robert Loaring

Director

Amounts owed to director £51,684

Marc MylumDirectorAmounts owed to director £87,042

Marc Mylum

Director

Amounts owed to director £87,042

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