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Registered number: 04056667
NBL Financial Management Limited
Financial Statements
For The Year Ended 31 March 2026
Affinity Associates (AU) Limited
Suite A, First Floor, Unit 1
Eurogate Business Park, Trinity Road
Ashford
Kent
TN24 8XW
NBL Financial Management Limited
Contents
Contents

| Page
--- | ---
Statement of Financial Position | 1—2
Notes to the Financial Statements | 3—5

Page 1
NBL Financial Management Limited
Statement of Financial Position
As At 31 March 2026
Statement of Financial Position
Registered number: 04056667

| 2026 | 2025
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Intangible Assets | 4 |  | 1,053,656 |  | 1,233,140
Tangible Assets | 5 |  | 2,879 |  | 480
|  |  | 1,056,535 |  | 1,233,620
CURRENT ASSETS
Debtors | 6 | 26,016 |  | 64,034 |
Cash at bank and in hand |  | 18,460 |  | 14,109 |
|  | 44,476 |  | 78,143 |
Creditors: Amounts Falling Due Within One Year | 7 | (983,817 ) |  | (1,212,404 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | (939,341 ) |  | (1,134,261 )
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 117,194 |  | 99,359
Creditors: Amounts Falling Due After More Than One Year | 8 |  | (174,203 ) |  | (94,878 )
NET (LIABILITIES)/ASSETS |  |  | (57,009 ) |  | 4,481
CAPITAL AND RESERVES
Called up share capital | 9 |  | 96 |  | 96
Income Statement |  |  | (57,105 ) |  | 4,385
SHAREHOLDERS' FUNDS |  |  | (57,009) |  | 4,481

Page 1
Page 2
NBL Financial Management Limited
Statement of Financial Position (continued)
As At 31 March 2026
For the year ending 31 March 2026 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 Income Statement.
On behalf of the board

Mr V Greaves Director
20 July 2026

The notes on pages 3 to 5 form part of these financial statements.
Page 2
Page 3
NBL Financial Management Limited
Notes to the Financial Statements
For The Year Ended 31 March 2026
Notes to the Financial Statements
1. General Information
NBL Financial Management Limited is a private company, limited by shares, incorporated in England & Wales, registered number 04056667 . The registered office is 14 Miller Court, Severn Drive, Tewkesbury, Gloucestershire, GL20 8DN.
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.
2.2. Turnover
Turnover is 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.
2.3. Intangible Fixed Assets and Amortisation - Goodwill
Goodwill is the difference between amounts paid on the acquisition of a business and the fair value of the separable net assets. It is amortised to income statement over its estimated economic life of 10 years.
2.4. 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 | 25% straight line basis
Computer Equipment | 25% straight line basis

2.5. 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 or deferred tax for the year is recognised in profit or loss, except when they related to items that are recognised in other comprehensive income or directly in equity, in which case, the current and deferred tax is also recognised in other comprehensive income or directly in equity respectively.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 6 (2025: 6)
6 6
Page 3
Page 4
NBL Financial Management Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2026
4. Intangible Assets

| Goodwill
--- | ---
| £
Cost
As at 1 April 2025 | 1,794,839
As at 31 March 2026 | 1,794,839
Amortisation
As at 1 April 2025 | 561,699
Provided during the period | 179,484
As at 31 March 2026 | 741,183
Net Book Value
As at 31 March 2026 | 1,053,656
As at 1 April 2025 | 1,233,140

5. Tangible Assets

| Fixtures & Fittings | Computer Equipment | Total
--- | --- | --- | ---
| £ | £ | £
Cost
As at 1 April 2025 | 2,475 | 5,451 | 7,926
Additions | - | 2,881 | 2,881
As at 31 March 2026 | 2,475 | 8,332 | 10,807
Depreciation
As at 1 April 2025 | 2,475 | 4,971 | 7,446
Provided during the period | - | 482 | 482
As at 31 March 2026 | 2,475 | 5,453 | 7,928
Net Book Value
As at 31 March 2026 | - | 2,879 | 2,879
As at 1 April 2025 | - | 480 | 480

6. Debtors

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Due within one year
Trade debtors | 5,142 |  | -
Amounts owed by participating interests | 6,600 |  | 59,817
Other debtors | 14,274 |  | 4,217
| 26,016 |  | 64,034

Page 4
Page 5
NBL Financial Management Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2026
7. Creditors: Amounts Falling Due Within One Year

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Trade creditors | 719 |  | 2,473
Bank loans and overdrafts | 32,983 |  | 29,659
Other loans | 383,950 |  | 434,732
Amounts owed to participating interests | 44,283 |  | -
Other creditors | 481,875 |  | 487,989
Taxation and social security | 40,007 |  | 257,551
| 983,817 |  | 1,212,404

8. Creditors: Amounts Falling Due After More Than One Year

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Bank loans | 62,060 |  | 94,878
Other loans | 112,143 |  | -
| 174,203 |  | 94,878

9. Share Capital

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 96 |  | 96

10. Directors Advances, Credits and Guarantees
Included within Creditors are the following loans to directors:

| As at 1 April 2025 | Amounts advanced | Amounts repaid | Amounts written off | As at 31 March 2026
--- | --- | --- | --- | --- | ---
| £ | £ | £ | £ | £
Mr Van Greaves | (469,590 ) | 502,900 | (499,105 ) | - | (465,795 )

The above loan is unsecured, interest free and repayable on demand.
11. Dividends

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
On equity shares:
Final dividend paid | - |  | 47,845

12. Related Party Transactions
At the balance sheet date the company owed £44,283 ((£53,217) - 2025) to Abacus Money Management Limited.
Mr V Greaves and Mr N Greaves are directors and have a significant interest in the above named company.
Page 5