REGISTERED NUMBER: 07571920 (England and Wales)

Unaudited Financial Statements

for the Year Ended 31 March 2026

for

Cervello Financial Planning Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

C Daems

C Daems

REGISTERED OFFICE:

Cumberland House

24-28 Baxter Avenue

Southend-On-Sea

Essex

SS2 6HZ

REGISTERED NUMBER:

07571920 (England and Wales)

ACCOUNTANTS:

Myers & Co Accountants Limited

Suite 204A, East Wing

Sterling House

Langston Road

Loughton

Essex

IG10 3TS

FIXED ASSETS

Tangible assets

4

5,296

4,969

CURRENT ASSETS

Debtors

5

16,497

30,106

Cash at bank

47,960

29,984

64,457

60,090

CREDITORS

Amounts falling due within one year

6

50,554

40,604

NET CURRENT ASSETS

13,903

19,486

TOTAL ASSETS LESS CURRENT LIABILITIES

19,199

24,455

CREDITORS

Amounts falling due after more than one year

7

18,151

23,785

NET ASSETS

1,048

670

CAPITAL AND RESERVES

Called up share capital

100

100

Retained earnings

948

570

SHAREHOLDERS' FUNDS

1,048

670

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 March 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 March 2026 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for:

(a)	ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b)

preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

The financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

In accordance with Section 444 of the Companies Act 2006, the Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 23 July 2026 and were signed on its behalf by:

C Daems - Director

1.	STATUTORY INFORMATION

Cervello Financial Planning Limited is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

2.	ACCOUNTING POLICIES

Basis of preparing the financial statements

These financial statements have been prepared in accordance with Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" including the provisions of Section 1A "Small Entities" and the Companies Act 2006. The financial statements have been prepared under the historical cost convention.

Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Plant and machinery

-

25% on reducing balance

Fixtures and fittings

-

25% on reducing balance

Motor vehicles

-

25% on reducing balance

Computer equipment

-

25% on reducing balance

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the balance sheet date.

Deferred tax

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

Hire purchase and leasing commitments

Rentals paid under operating leases are charged to profit or loss on a straight line basis over the period of the lease.

Pension costs and other post-retirement benefits

The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 6 (2025 - 5 ) .

4.	TANGIBLE FIXED ASSETS

Fixtures

Plant and

and

Motor

Computer

machinery

fittings

vehicles

equipment

Totals

£

£

£

£

£

COST

At 1 April 2025

1,403

3,375

813

10,171

15,762

Additions

-

521

-

1,571

2,092

At 31 March 2026

1,403

3,896

813

11,742

17,854

DEPRECIATION

At 1 April 2025

614

2,754

556

6,869

10,793

Charge for year

197

286

64

1,218

1,765

At 31 March 2026

811

3,040

620

8,087

12,558

NET BOOK VALUE

At 31 March 2026

592

856

193

3,655

5,296

At 31 March 2025

789

621

257

3,302

4,969

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.3.26

31.3.25

£

£

Trade debtors

1,887

2,929

Other debtors

14,610

27,177

16,497

30,106

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.3.26

31.3.25

£

£

Bank loans and overdrafts

5,634

5,495

Trade creditors

(1

)

(2

)

Taxation and social security

41,748

32,611

Other creditors

3,173

2,500

50,554

40,604

7.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

31.3.26

31.3.25

£

£

Bank loans

18,151

23,785

Amounts falling due in more than five years:

Repayable by instalments

Bank loans more 5 yr by instal

-

381