REGISTERED NUMBER: 09545476 (England and Wales)

PUFFIN GROUP UK LTD

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JANUARY 2026

Page

Abridged Balance Sheet

1

Notes to the Financial Statements

3

CURRENT ASSETS

Debtors

5

703,158

553,572

Cash at bank

2,468,988

2,628,052

3,172,146

3,181,624

CREDITORS

Amounts falling due within one year

1,961,106

2,020,648

NET CURRENT ASSETS

1,211,040

1,160,976

TOTAL ASSETS LESS CURRENT LIABILITIES

1,211,040

1,160,976

CAPITAL AND RESERVES

Called up share capital

33

10

Share premium

56,233

290

Retained earnings

1,154,774

1,160,676

SHAREHOLDERS' FUNDS

1,211,040

1,160,976

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

The members have not required the company to obtain an audit of its financial statements for the year ended 31 January 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.

All the members have consented to the preparation of an abridged Income Statement and an abridged Balance Sheet for the year ended 31 January 2026 in accordance with Section 444(2A) of the Companies Act 2006.

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 15 June 2026 and were signed on its behalf by:

Mr J N Clarke - Director

Dr G Z Spence - Director

1.	STATUTORY INFORMATION

Puffin Group UK Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address are as below:

Registered number:

09545476

Registered office:

Yelverton House

St John Street

Whitland

Carmarthenshire

SA34 0AW

The principal activity of the company during the year was the sale of travel and pet insurance policies.

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.

The financial statements have been prepared on a going concern basis as in the directors opinion the company has sufficient funds and future income to continue into the foreseeable future.

Turnover

Turnover represents commission received.

Tangible fixed assets

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

Computer equipment

-

Straight line over 3 years

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 8 (2025 - 7 ) .

4.	TANGIBLE FIXED ASSETS

Totals

£

COST

At 1 February 2025

and 31 January 2026

250

DEPRECIATION

At 1 February 2025

and 31 January 2026

250

NET BOOK VALUE

At 31 January 2026

-

At 31 January 2025

-

5.

DEBTORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2026

2025

£

£

Other debtors

51,000

50,000

6.	INSURER ASSETS AND LIABILITIES

Cash

1,712,387

Debtors

261,853

Creditors

(1,974,240

)

Net liability

0

Insurer assets and liabilities are not included in the company balance of these financial statements.