Company registration number 15903782 (England and Wales)
The Credit Lab Collective Ltd
Unaudited Financial Statements
For the year ended 31 March 2026
The Credit Lab Collective Ltd
Contents
Page
Statement of financial position
1
Statement of changes in equity
2
Notes to the financial statements
3 - 5
The Credit Lab Collective Ltd
Statement Of Financial Position
As at 31 March 2026
- 1 -
2026
2025
Notes
£
£
£
£
Fixed assets
Tangible assets
3
2,526
2,054
Current assets
Debtors
4
12,298
6,238
Cash at bank and in hand
8,914
6,025
21,212
12,263
Creditors: amounts falling due within one year
5
(13,835)
(11,434)
Net current assets
7,377
829
Net assets
9,903
2,883
Capital and reserves
Called up share capital
100
100
Profit and loss reserves
9,803
2,783
Total equity
9,903
2,883

For the financial year ended 31 March 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

T he 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 her responsibilities for complying with the requirements of the Companies Act 2006 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.

The director of the company has elected not to include a copy of the income statement within the financial statements.true

The financial statements were approved and signed by the director and authorised for issue on 10 June 2026
Mrs M J Horrocks-Madhok
Director
Company registration number 15903782 (England and Wales)
The Credit Lab Collective Ltd
Statement of Changes in Equity
For the year ended 31 March 2026
- 2 -
Share capital
Profit and loss reserves
Total
Notes
£
£
£
Balance at 1 April 2024
-
0
-
0
-
Year ended 31 March 2025:
Profit and total comprehensive income
-
2,783
2,783
Issue of share capital
100
-
100
Balance at 31 March 2025
100
2,783
2,883
Year ended 31 March 2026:
Profit and total comprehensive income
-
7,020
7,020
Balance at 31 March 2026
100
9,803
9,903
The Credit Lab Collective Ltd
Notes to the financial statements
For the year ended 31 March 2026
- 3 -
1
Accounting policies
Company information

The Credit Lab Collective Ltd is a private company limited by shares incorporated in England and Wales. The registered office is DJH Chester City, Military House, 24 Castle Street, Chester, Cheshire, United Kingdom, CH1 2DS.

1.1
Basis of preparation

These financial statements have been prepared in accordance with FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime. The disclosure requirements of section 1A of FRS 102 have been applied other than where additional disclosure is required to show a true and fair view.

The financial statements are prepared in sterling, which is the functional currency of the company. Monetary a mounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2
Revenue

Revenue comprises sales of services provided to customers net of value added tax and other sales taxes, less an appropriate deduction for actual and expected returns and discounts.

1.3
Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Computers
20% on cost

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is credited or charged to profit or loss.

1.4
Taxation

The tax expense represents the sum of the tax currently payable and deferred tax.

Current tax

The tax currently payable is based on taxable profit for the year. Taxable profit differs from net profit as reported in the income statement because it excludes items of income or expense that are taxable or deductible in other years and it further excludes 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 reporting end date.

The Credit Lab Collective Ltd
Notes to the financial statements (continued)
For the year ended 31 March 2026
1
Accounting policies
(Continued)
- 4 -
1.5
Employee benefits

The costs of short-term employee benefits are recognised as a liability and an expense, unless those costs are required to be recognised as part of the cost of stock or fixed assets.

The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

Termination benefits are recognised immediately as an expense when the company is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

1.6
Retirement benefits

Payments to defined contribution retirement benefit schemes are charged as an expense as they fall due.

1.7
Leases
As lessee

Rentals payable under operating leases, including any lease incentives received, are charged to profit or loss on a straight line basis over the term of the relevant lease except where another more systematic basis is more representative of the time pattern in which economic benefits from the lease s asset are consumed.

2
Employees

The average monthly number of persons (including directors) employed by the company during the year was:

2026
2025
Number
Number
Total
2
2
The Credit Lab Collective Ltd
Notes to the financial statements (continued)
For the year ended 31 March 2026
- 5 -
3
Tangible fixed assets
Plant and machinery etc
£
Cost
At 1 April 2025
2,084
Additions
1,040
At 31 March 2026
3,124
Depreciation and impairment
At 1 April 2025
30
Depreciation charged in the year
568
At 31 March 2026
598
Carrying amount
At 31 March 2026
2,526
At 31 March 2025
2,054
4
Debtors
2026
2025
Amounts falling due within one year:
£
£
Trade debtors
10,980
5,129
Other debtors
1,318
1,109
12,298
6,238
5
Creditors: amounts falling due within one year
2026
2025
£
£
Trade creditors
383
210
Corporation tax
1,680
171
Other taxation and social security
8,563
3,576
Other creditors
3,209
7,477
13,835
11,434
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