Company Registration No. 07509349 (England and Wales)
Banks Wealth Management Limited
Annual report and financial statements
for the year ended 31 October 2025
Banks Wealth Management Limited
Company information
Director
Hayden Robinson
(Appointed 10 December 2024)
Company number
07509349
Registered office
AFH House
Buntsford Drive
Stoke Heath
Bromsgrove
Worcestershire
B60 4JE
Independent auditor
Saffery LLP
71 Queen Victoria Street
London
EC4V 4BE
Banks Wealth Management Limited
Contents
Page
Director's report
1 - 2
Director's responsibilities statement
3
Independent auditor's report
4 - 6
Income statement
7
Statement of financial position
8
Statement of changes in equity
9
Notes to the financial statements
10 - 15
Banks Wealth Management Limited
Director's report
For the year ended 31 October 2025
1

The director presents his annual report and financial statements for the year ended 31 October 2025.

Principal activities

The principal activity of the company continued to be that of a financial intermediary. The company's FCA authorisation and registration ceased from 15 July 2024 resulting in a decrease in revenue and the effective cessation of trade. As part of the wider group acquisition integration strategy, the directors intend to liquidate the company in the next twelve months.

Results and dividends

The results for the year are set out on page 7.

No ordinary dividends were paid. The director does not recommend payment of a final dividend.

Director

The director who held office during the year and up to the date of signature of the financial statements was as follows:

Stephen Danson
(Resigned 25 July 2025)
Hayden Robinson
(Appointed 10 December 2024)
Qualifying third party indemnity provisions

The directors confirm that no qualifying third party indemnity provision in favour of any of the directors of the company, as defined by s236 of the Companies Act 2006, either by the company or by any other party, was in force at the time of signing of this report, and that no such provision had been in force at any time in the financial period.

Supplier payment policy

The company's current policy concerning the payment of trade creditors is to follow the CBI's Prompt Payers Code (copies are available from the CBI, Centre Point, 103 New Oxford Street, London WC1A 1DU).

The company's current policy concerning the payment of trade creditors is to:

- settle the terms of payment with suppliers when agreeing the terms of each transaction;

- ensure that suppliers are made aware of the terms of payment by inclusion of the relevant terms in contracts; and

- pay in accordance with the company's contractual and other legal obligations..

Auditor

In accordance with the company's articles, a resolution proposing that Saffery LLP be reappointed as auditor of the company will be put at a General Meeting.

Strategic report

As permitted by section 414B of the Companies Act 2006, the Company is entitled to the small companies' exemption in relation to preparing the strategic report for the financial period.

Statement of disclosure to auditor

So far as each person who was a director at the date of approving this report is aware, there is no relevant audit information of which the company’s auditor is unaware. Additionally, the directors individually have taken all the necessary steps that they ought to have taken as directors in order to make themselves aware of all relevant audit information and to establish that the company’s auditor is aware of that information.

Banks Wealth Management Limited
Director's report (continued)
For the year ended 31 October 2025
2
Economic Environment

The story for 2025 has been mixed. We have seen strong performance in equities, particularly in the US, where the S&P touched all-time highs in late October 2025 and performed well through the year. Much of this has been

driven by strong performance in the tech sector, in AI focussed businesses in particular. There are fears of an AI Bubble, although much of the recent growth has been less by AI enthusiasm and more by expectations of resilient

US economic growth and further Fed rate cuts.

However, the picture in the UK has been less positive, with sticky inflation, flatlining GDP growth and growing unemployment. These are underlined by taxation and regulatory policy from the UK government that is increasingly inimical to growth, the private sector and individual wealth. In the face of above target inflation, the Bank of England Monetary Policy Committee has been cautious in its rate setting policy, with rates dropping more

slowly than anticipated, dropping to 4% from August 2025. (A further 0.25% cut in rates, taking the rate to 3.75%, came into effect mid-December 2025). While government taxation and regulatory policy are expected to be

inflationary, driving up costs for business, flatlining GDP or even a recession may encourage faster rate cuts. We expect rates to drop to 3.50% or even 3.25% during 2026.

While economic headwinds may impact the amount of free capital available to our target clients, we believe that

organic growth initiatives and the need for ethical tax planning will continue to drive new business. In a period of

uncertainty and changing taxation rules, for example pensions, salary sacrifice and IHT, advice around ethical tax

planning will be key to help clients manage and mitigate their tax burden exposure.

On behalf of the board
Hayden Robinson
Director
18 February 2026
Banks Wealth Management Limited
Director's responsibilities statement
For the year ended 31 October 2025
3

The director is responsible for preparing the annual report and the financial statements in accordance with applicable law and regulations.

Company law requires the director to prepare financial statements for each financial year. Under that law the director has elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law). Under company law the director must not approve the financial statements unless he is satisfied that they give a true and fair view of the state of affairs of the company and of the profit or loss of the company for that period. In preparing these financial statements, the director is required to:

- select suitable accounting policies and then apply them consistently;

- make judgements and accounting estimates that are reasonable and prudent;

- state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements; and

- prepare the financial statements on the going concern basis unless it is inappropriate to presume that the company will continue in business.

The director is responsible for keeping adequate accounting records that are sufficient to show and explain the company’s transactions and disclose with reasonable accuracy at any time the financial position of the company and enable them to ensure that the financial statements comply with the Companies Act 2006. He is also responsible for safeguarding the assets of the company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Banks Wealth Management Limited
Independent auditor's report
To the members of Banks Wealth Management Limited
4
Opinion

We have audited the financial statements of Banks Wealth Management Limited (the 'company') for the year ended 31 October 2025 which comprise the income statement, the statement of financial position, the statement of changes in equity and notes to the financial statements, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 101 Reduced Disclosure Framework (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

- give a true and fair view of the state of the company's affairs as at 31 October 2025 and of its loss for the year then ended;

- have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice including FRS 101; and

- have been prepared in accordance with the requirements of the Companies Act 2006.

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Emphasis of matter

We draw attention to note 1.2 of the financial statements which describes how the Directors intend to liquidate the company over the going concern period, and as such the Directors do not consider it to be appropriate to adopt the going concern basis of accounting in preparing the financial statements. Accordingly the financial statements have been prepared on a basis other than going concern as described in note 1.2. Our opinion is not modified in respect of this matter.

Other information

The director is responsible for the other information. The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information we are required to report that fact.

We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

- the information given in the director's r eport for the financial year for which the financial statements are prepared is consistent with the financial statements; and

- the director's report has been prepared in accordance with applicable legal requirements.

Banks Wealth Management Limited
Independent auditor's report
To the members of Banks Wealth Management Limited (continued)
5
Matters on which we are required to report by exception

In the light of the knowledge and understanding of the company and its environment obtained in the course of the audit, we have not identifie d material misstatements in the director's r eport.

We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

- adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or

- the financial statements are not in agreement with the accounting records and returns; or

- certain disclosures of director's remuneration specified by law are not made; or

- we have not received all the information and explanations we require for our audit.

Responsibilities of director

As explained more fully in the director's r esponsibilities s tatement, the director is responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the director determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, the director is responsible for assessing the company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the director either intends to liquidate the company or to cease operations, or has no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The specific procedures for this engagement and the extent to which these are capable of detecting irregularities, including fraud are detailed below.

Identifying and assessing risks related to irregularities:

We assessed the susceptibility of the company’s financial statements to material misstatement and how fraud might occur, including through discussions with the director, discussions within our audit team planning meeting, updating our record of internal controls and ensuring these controls operated as intended. We evaluated possible incentives and opportunities for fraudulent manipulation of the financial statements. We identified laws and regulations that are of significance in the context of the company by discussions with director and by updating our understanding of the sector in which the company operates.

Laws and regulations of direct significance in the context of the company include The Companies Act 2006, UK Tax legislation.

Audit response to risks identified

We considered the extent of compliance with these laws and regulations as part of our audit procedures on the related financial statement items including a review of financial statement disclosures. We reviewed the company's records of breaches of laws and regulations, minutes of meetings and correspondence with relevant authorities to identify potential material misstatements arising. We discussed the company's policies and procedures for compliance with laws and regulations with members of management responsible for compliance.

Banks Wealth Management Limited
Independent auditor's report
To the members of Banks Wealth Management Limited (continued)
6

During the planning meeting with the audit team, the engagement partner drew attention to the key areas which might involve non-compliance with laws and regulations or fraud. We enquired of management whether they were aware of any instances of non-compliance with laws and regulations or knowledge of any actual, suspected or alleged fraud. We addressed the risk of fraud through management override of controls by testing the appropriateness of journal entries and identifying any significant transactions that were unusual or outside the normal course of business. We assessed whether judgements made in making accounting estimates gave rise to a possible indication of management bias. At the completion stage of the audit, the engagement partner’s review included ensuring that the team had approached their work with appropriate professional scepticism and thus the capacity to identify non-compliance with laws and regulations and fraud.

There are inherent limitations in the audit procedures described above and the further removed non-compliance with laws and regulations is from the events and transactions reflected in the financial statements, the less likely we would become aware of it. Also, the risk of not detecting a material misstatement due to fraud is higher than the risk of not detecting one resulting from error, as fraud may involve deliberate concealment by, for example, forgery or intentional misrepresentations, or through collusion.

A further description of our responsibilities is available on the Financial Reporting Council's website at: https://www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditor's report.

Use of our report

This report is made solely to the company’s members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the company’s members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the company and the company’s members as a body, for our audit work, for this report, or for the opinions we have formed.

Jamie Cassell (Senior Statutory Auditor)
For and on behalf of Saffery LLP
18 February 2026
Statutory Auditors
71 Queen Victoria Street
London
EC4V 4BE
Banks Wealth Management Limited
Income statement
For the year ended 31 October 2025
7
2025
2024
Notes
£
£
Revenue
4
714
3,341
Cost of sales
-
0
(73,333)
Gross profit/(loss)
714
(69,992)
Administrative expenses
(5,601)
(77,396)
Operating loss
5
(4,887)
(147,388)
Investment income
7
-
0
311
Loss before taxation
(4,887)
(147,077)
Tax on loss
8
-
0
-
0
Loss and total comprehensive income for the financial year
(4,887)
(147,077)

The income statement has been prepared on the basis that all operations are continuing operations.

Banks Wealth Management Limited
Statement of financial position
As at 31 October 2025
8
2025
2024
Notes
£
£
£
£
Current assets
Trade and other receivables
9
472,189
485,225
Cash and cash equivalents
81,084
81,409
553,273
566,634
Current liabilities
10
(6,619)
(15,093)
Net current assets
546,654
551,541
Net assets
546,654
551,541
Equity
Called up share capital
11
101
101
Retained earnings
546,553
551,440
Total equity
546,654
551,541
The financial statements were approved by the board of directors and authorised for issue on 18 February 2026 and are signed on its behalf by:
Hayden Robinson
Director
Company registration number 07509349 (England and Wales)
Banks Wealth Management Limited
Statement of changes in equity
For the year ended 31 October 2025
9
Share capital
Retained earnings
Total
£
£
£
Balance at 1 November 2023
101
698,517
698,618
Period ended 31 October 2024:
Loss and total comprehensive income
-
(147,077)
(147,077)
Balance at 31 October 2024
101
551,440
551,541
Year ended 31 October 2025:
Loss and total comprehensive income
-
(4,887)
(4,887)
Balance at 31 October 2025
101
546,553
546,654
Banks Wealth Management Limited
Notes to the financial statements
For the year ended 31 October 2025
10
1
Accounting policies
Company information

Banks Wealth Management Limited is a private company limited by shares incorporated in England and Wales. The registered office is AFH House, Buntsford Drive, Stoke Heath, Bromsgrove, Worcestershire, B60 4JE. The principal activity of the company is that of a financial intermediary.

1.1
Accounting convention

The financial statements have been prepared in accordance with Financial Reporting Standard 101 Reduced Disclosure Framework (FRS 101) and in accordance with the applicable accounting standards.

The financial statements are prepared in sterling, which is the functional currency of the company. Monetary amounts 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.

As permitted by FRS 101, the company has taken advantage of the following disclosure exemptions from the requirements of IFRS:

- The requirements of IFRS 7 'Financial Instruments Disclosures' relating to the disclosure of financial instruments and the nature and extent of risks arising from such instruments;

- The requirements of IFRS 13 'Fair Value Measurement' paragraph 91 to 99 relating to the fair value measurement disclosure of financial assets and financial liabilities that are measured at fair value;

- The requirements of IAS 8 'Accounting Policies, Changes in Accounting Estimates and Errors' paragraph 30 and 31 relating to the disclosure of standards, amendments and interpretations in issue but not yet effective;

- The requirement of IAS 1 'presentation of Financial Statements' paragraphs 134 to 136 relating to the disclosure of capital management policies and objectives;

- The requirements of IAS 7 'Statement of Cash Flows' and IAS 1 'Presentation of Financial Statements' paragraph 10(d); 111 relating to the presentation of a Cash Flow Statements;

- The requirements of IAS 24 'Related Party Disclosures' relating to the disclosure of key management personnel compensation and relating to the disclosure of related party transactions entered into between the company and other wholly-owned subsidiaries of the group.

For the disclosure exemptions above, the equivalent disclosures are included in the consolidated financial statements of the group, Cortina Bidco Limited into which the company is consolidated.

1.2
Going concern

Following the transfer of the trade and client banks of the company to other group entities as part of the wider group acquisition integration strategy, the directors intend to liquidate the company in the next twelve months. The company will continue to receive support from its parent undertakings to ensure an orderly wind down. As required by true UK GAAP, the directors have prepared the financial statements of the company on the basis that it is no longer a going concern. No material adjustments arose as a result of ceasing to apply the going concern basis.

Banks Wealth Management Limited
Notes to the financial statements (continued)
For the year ended 31 October 2025
1
Accounting policies (continued)
11
1.3
Revenue

Revenue is recognised in line with the requirements of IFRS 15 as contractual performance obligations are satisfied. Revenue is measured at the fair value of the consideration received adjusted for clawbacks, allowance for impairment, discounts, rebates, and other sales taxes or duty.

Initial Fee Income

Fees are recognised as earned at the point when financial advice is provided.

Ongoing fee and Investment management income

fees are recognised as gross earned as and when fees from the management of investments are earned.

1.4
Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and demand deposits, together with other short term, highly liquid investments that are readily convertible into known amounts of cash and are subject to an insignificant risk of changes in value.

1.5
Financial assets
Financial assets held at amortised cost

Financial instruments are classified as financial assets measured at amortised cost where the objective is to hold these assets in order to collect contractual cash flows, and the contractual cash flows are solely payments of principal and interest. They arise principally from the provision of goods and services to customers (eg trade receivables). They are initially recognised at fair value plus transaction costs directly attributable to their acquisition or issue, and are subsequently carried at amortised cost using the effective interest rate method, less provision for impairment where necessary.

Impairment of financial assets

if there is objective evidence that there is an impairment loss on loans and receivables, the amount of the loss is measured as the difference between the asset's carrying amount and the present value of estimated future cash flows discounted at the financial asset's original effective interest rate. the carrying amount of the asset is reduced either directly or through use of an allowance account.

Derecognition of financial assets

Financial assets are derecognised only when the contractual rights to the cash flows from the asset expire, or when it transfers the financial asset and substantially all the risks and rewards of ownership to another entity.

1.6
Financial liabilities
Other financial liabilities

Other financial liabilities, including borrowings, t rade payables and other short-term monetary liabilities, are initially measured at fair value net of transaction costs directly attributable to the issuance of the financial liability. They are subsequently measured at amortised cost using the effective interest method. For the purposes of each financial liability, interest expense includes initial transaction costs and any premium payable on redemption, as well as any interest or coupon payable while the liability is outstanding.

Derecognition of financial liabilities

Financial liabilities are derecognised when, and only when, the company’s obligations are discharged, cancelled, or they expire.

Banks Wealth Management Limited
Notes to the financial statements (continued)
For the year ended 31 October 2025
1
Accounting policies (continued)
12
1.7
Equity instruments

Share capital represents the nominal value of shares that have been issued.

Retained earnings include all current and prior period retained profits.

Dividend distributions to the Company's shareholders are recognised in the accounting period in which the dividends are declared and paid, or if earlier, in the accounting period when the dividend is approved by the Company's shareholders at the Annual General Meeting.

2
Adoption of new and revised standards and changes in accounting policies

During the financial year, the company has adopted the following new IFRSs (including amendments thereto) and IFRIC interpretations, that became effective for the first time.

Standard
Effective date, annual period beginning on or after
Lease Liability in a Sale and Leaseback (Amendments to IFRS 16)
1 January 2024
Classification of Liabilities as Current or Non-Current, Non-current Liabilities with Covenants: amendments to IAS 1
1 January 2024
Supplier Finance Arrangements (Amendments to IAS 7 and IFRS 7)
1 January 2024

Their adoption has not had any material impact on the disclosures or amounts reported in the financial statements.

Standards which are in issue but not yet effective

At the date of authorisation of these financial statements, the following standards and interpretations relevant to the company and which have not been applied in these financial statements, were in issue but were not yet effective.

Standard
Effective date, annual period beginning on or after
Lack of Exchangeability (Amendments to IAS 21)
1 January 2025
Annual Improvements to IFRS Accounting Standards – Volume 11
1 January 2026
Classification and Measurement of Financial Instruments (Amendments to IFRS 7 and IFRS 9)
1 January 2026
Contracts Referencing Nature-dependent Electricity (Amendments to IFRS 9 and IFRS 7)
1 January 2026
Banks Wealth Management Limited
Notes to the financial statements (continued)
For the year ended 31 October 2025
2
Adoption of new and revised standards and changes in accounting policies (continued)
13

The directors are evaluating the impact that these standards will have on the financial statements of the c ompany.

At the date of authorisation of these financial statements, the following standards and interpretations relevant to the c ompany and which have not been applied in these financial statements, have not been endorsed for use in the UK and will not be adopted until such time as endorsement is confirmed.

Standard
Effective date, annual period beginning on or after
IFRS 18 – Presentation and Disclosure in Financial Statements
1 January 2027
IFRS 19 – Subsidiaries without Public Accountability: Disclosures
1 January 2027
The directors are evaluating the impact that these standards will have on the financial statements.
3
Critical accounting judgements and key sources of estimation uncertainty

In the application of the company’s accounting policies, the director is required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised, if the revision affects only that period, or in the period of the revision and future periods if the revision affects both current and future periods.

Management do not believe there to be any critical accounting judgements or key sources of estimation uncertainty applied in the preparation of these financial statements.

4
Revenue

The revenue and profit before tax are attributable to the principal activity of the company.

2025
2024
£
£
Revenue analysed by class of business
Initial fee income
714
3,341
5
Operating loss

The remuneration of the auditor has been borne by AFH Financial Group Limited.

Banks Wealth Management Limited
Notes to the financial statements (continued)
For the year ended 31 October 2025
14
6
Employees

For the year ended 31 October 2025 and the year ended 31 October 2024, there are no employees of the company.

7
Investment income
2025
2024
£
£
Interest income
Interest on bank deposits
-
0
311
8
Taxation
2025
2024
£
£

The charge for the year can be reconciled to the loss per the income statement as follows:

2025
2024
£
£
Loss before taxation
(4,887)
(147,077)
Expected tax credit based on a corporation tax rate of 25.00% (2024: 25.00%)
(1,222)
(36,769)
Group relief
1,222
36,769
Taxation charge for the year
-
-
9
Trade and other receivables
2025
2024
£
£
Amounts owed by fellow group undertakings
472,189
485,225
10
Trade and other payables
2025
2024
£
£
Trade payables
1,162
736
Amounts owed to fellow group undertakings
5,457
14,357
6,619
15,093
Banks Wealth Management Limited
Notes to the financial statements (continued)
For the year ended 31 October 2025
15
11
Share capital
2025
2024
2025
2024
Ordinary share capital
Number
Number
£
£
Issued and fully paid
Ordinary Shares of £1 each
100
100
100
100
Redeemable 'A' Shares of £1 each
1
1
1
1
101
101
101
101

Ordinary shares carry voting rights and are entitled to participate in any dividends declared in respect of such shares and entitle the holder to participate in a capital distribution (including a distribution on winding up). Ordinary shares are not redeemable.

12
Related party transactions

During the year the company did not enter into any related party transactions other than with group undertakings that are wholly owned members of the same group (2024: None).

13
Controlling party

The company's immediate parent undertaking is AFH WM Holdings Limited, which is incorporated in the Cayman Islands.

The company's ultimate parent undertaking is Cortina Topco Limited, which is incorporated in the Cayman Islands, indirectly controlled by funds managed by Flexpoint Ford, LLC, a private equity investment firm incorporated in the United States of America.

The largest group of undertakings that consolidates the company is Cortina Bidco Limited, which is incorporated in the Cayman Islands. Copies of their financial statements can be obtained from AFH House, Buntsford Drive, Stoke Heath, Bromsgrove, Worcestershire, B60 4JE.

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