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Registered Number: 06298180
CALIBER FINANCIAL MANAGEMENT LTD
Abridged Accounts
Period of accounts Start date: 01 April 2025 End date: 31 March 2026

Caliber Financial Management Ltd Contents Page For the year ended 31 March 2026
Accountants' Report | 1
Statement of Financial Position | 2
Notes to the Financial Statements | 3

Caliber Financial Management Ltd Accountants' Report For the year ended 31 March 2026
Report to the directors on the preparation of the unaudited statutory accounts of Caliber Financial Management Ltd for the year ended 31 March 2026 In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Caliber Financial Management Ltd for the year ended 31 March 2026 which comprise of the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the companys accounting records and from information and explanations you have given us As a practising member firm of the Association of Chartered Certified Accountants, we are subject to its ethical and other professional requirements which are detailed at http://rulebook.accaglobal.com/ This report is made solely to the Board of Directors of Caliber Financial Management Ltd, as a body, in accordance with the terms of our engagement letter dated 25th May 2018 Our work has been undertaken solely to prepare for your approval the accounts of Caliber Financial Management Ltd and state those matters that we have agreed to state to the Board of Directors of Caliber Financial Management Ltd, as a body, in this report in accordance with the requirements of the Association of Chartered Certified Accountants as detailed at http://www.accaglobal.com/factsheet163. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Caliber Financial Management Ltd and its Board of Directors as a body for our work or for this report. It is your duty to ensure that Caliber Financial Management Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of Caliber Financial Management Ltd. You consider that Caliber Financial Management Ltd is exempt from the statutory audit requirement for the year We have not been instructed to carry out an audit or a review of the accounts of Caliber Financial Management Ltd. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts 31 March 2026 .................................................... Baranov Associates Ltd 4 Academy Close Kirkby Stephen Cumbria CA17 4JG 28 July 2026 1

Caliber Financial Management Ltd Statement of Financial Position As at 31 March 2026
| Notes | 2026 £ |  | 2025 £
--- | --- | --- | --- | ---
Fixed assets |  |  |
Tangible fixed assets | 3 | 13,602 |  | 13,988
Investments | 4 | 92,995 |  | 0
|  | 106,597 |  | 13,988
Current assets |  |  |
Debtors: amounts falling due within one year |  | 399,129 |  | 495,416
Cash at bank and in hand |  | 698,721 |  | 622,024
|  | 1,097,850 |  | 1,117,440
Creditors: amount falling due within one year |  | (246,629) |  | (241,890)
Net current assets |  | 851,221 |  | 875,550
Total assets less current liabilities |  | 957,818 |  | 889,538
Provisions for liabilities |  | (3,401) |  | (2,658)
Net assets |  | 954,417 |  | 886,880
Capital and reserves |  |  |
Called up share capital | 5 | 990 |  | 990
Capital Redemption Reserve |  | 942 |  | 942
Other Comprehensive Income |  | (7,005) |  | 0
Profit and loss account |  | 959,490 |  | 884,948
Shareholders' funds |  | 954,417 |  | 886,880
For the 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. Directors' responsibilities: The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476. The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 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 members have agreed to the preparation of abridged accounts for this accounting period in accordance with section 444(2A). The financial statements were approved by the board of directors on 28 July 2026 and were signed on its behalf by:
------------------------------- Patrick McAneney Director
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Caliber Financial Management Ltd Notes to the Abridged Financial Statements For the year ended 31 March 2026
General Information Caliber Financial Management Ltd is a private company, limited by shares, registered in , registration number 06298180, registration address 5 Doolittle Yard, Froghall Road, Ampthill, Bedfordshire, MK45 2NW. The presentation currency is £ sterling.
1. | Accounting policies Significant accounting policies Statement of compliance These financial statements have been prepared in compliance with FRS 102 – The Financial Reporting Standard applicable in the UK and Republic of Ireland and the Companies Act 2006. Basis of preparation The financial statements have been prepared under the historical cost convention as modified by the revaluation of land and buildings and certain financial instruments measured at fair value in accordance with the accounting policies. The financial statements are prepared in sterling which is the functional currency of the company. Turnover Turnover comprises the invoiced value of goods and services supplied by the company, net of Value Added Tax and trade discounts. Operating lease rentals Rentals payable under operating leases are charged against income on a straight line basis over the lease term. Finance lease and hire purchase charges The finance element of the rental payment is charged to the income statement on a straight line basis. Taxation Taxation represents the sum of tax currently payable and deferred tax. Tax is recognised in the statement of income, except to the extent that it relates to items recognised in other comprehensive income or directly in capital and reserves. The company’s liability for current tax is calculated using the tax rates and laws that have been enacted or substantively enacted at the reporting date. Current and deferred tax assets and liabilities are not discounted Deferred taxation Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the reporting date. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the reporting date 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. Current and deferred tax assets and liabilities are not discounted. Dividends Proposed dividends are only included as liabilities in the statement of financial position when their payment has been approved by the shareholders prior to the statement of financial position date. Tangible fixed assets Tangible fixed assets, other than freehold land, are stated at cost or valuation less depreciation and any provision for impairment. Depreciation is provided at rates calculated to write off the cost or valuation of fixed assets, less their estimated residual value, over their expected useful lives on the following basis:
Fixtures and Fittings | 25% Straight Line
Computer Equipment | 33% Straight Line
Assets on finance lease and hire purchase Assets held under finance lease or hire purchase contracts i.e. those contracts where substantially all the risks and rewards of ownership have passed to the company, are included in the appropriate category of tangible fixed assets and depreciated over the shorter of the lease term and their estimated expected useful lives. Future obligations under such contracts are included in creditors net of the finance charge allocated to future periods. Fixed asset investments Fixed asset investments are stated at cost less provision for any permanent diminution in value. Provisions Provisions are recognised when the company has a present obligation as a result of a past event which it is more probable than not will result in an outflow of economic benefits that can be reasonably estimated.
2. | Average number of employees Average number of employees during the year was 15 (2025 : 14).
3. | Tangible fixed assets
Cost or valuation | Fixtures and Fittings |  | Computer Equipment |  | Total
| £ |  | £ |  | £
At 01 April 2025 | 12,587 |  | 18,718 |  | 31,305
Additions | 4,413 |  | 2,588 |  | 7,001
Disposals | - |  | - |  | -
At 31 March 2026 | 17,000 |  | 21,306 |  | 38,306
Depreciation
At 01 April 2025 | 3,147 |  | 14,170 |  | 17,317
Charge for year | 4,250 |  | 3,137 |  | 7,387
On disposals | - |  | - |  | -
At 31 March 2026 | 7,397 |  | 17,307 |  | 24,704
Net book values
Closing balance as at 31 March 2026 | 9,603 |  | 3,999 |  | 13,602
Opening balance as at 01 April 2025 | 9,440 |  | 4,548 |  | 13,988
4. | Investments
Cost | Other investments other than loans |  | Total
| £ |  | £
At 01 April 2025 | - |  | -
Additions | 100,000 |  | 100,000
Disposals | - |  | -
Revaluations | (7,005) |  | (7,005)
At 31 March 2026 | 92,995 |  | 92,995
5. | Share Capital
Allotted, called up and fully paid | 2026 £ |  | 2025 £
--- | --- | --- | ---
900 Ordinary shares of £1.00 each | 900 |  | 900
112 B Ordinary shares of £1.00 each | 112 |  | 112
820 C Ordinary shares of £1.00 each | 820 |  | 820
100 Ordinary E shares of £1.00 each | 100 |  | 100
| 1,932 |  | 1,932
6. | Advances and Credits P McAneney The company made advances to the Director during the year, these amounts had no fixed date for repayment and the advances were subject to interest at the beneficial loan rate applicable. The loan was repaid in full on 1st September 2025. Mrs L McAneney The company made advances to the Shareholder during the year, these amounts had no fixed date for repayment and the advances were subject to interest at the beneficial loan rate applicable. The loan was repaid in full on 1st September 2025.
Current year (2026)
| Brought Forward £ | Amount £ | Interest £ | Repaid £ | Written Off £ | Waived £ | Carry Forward £
--- | --- | --- | --- | --- | --- | --- | ---
P McAneney | 30,786 |  | 0 |  | 336 |  | 31,122 |  | 0 |  | 0 |  | 0
Mrs L McAneney | 30,987 |  | 0 |  | 534 |  | 31,521 |  | 0 |  | 0 |  | 0
| 61,773 |  | 0 |  | 870 |  | 62,643 |  | 0 |  | 0 |  | 0
Previous year (2025)
| Brought Forward £ | Amount £ | Interest £ | Repaid £ | Written Off £ | Waived £ | Carry Forward £
--- | --- | --- | --- | --- | --- | --- | ---
P McAneney | 0 |  | 30,337 |  | 449 |  | 0 |  | 0 |  | 0 |  | 30,786
Mrs L McAneney | 0 |  | 30,533 |  | 454 |  | 0 |  | 0 |  | 0 |  | 30,987
| 0 |  | 60,870 |  | 903 |  | 0 |  | 0 |  | 0 |  | 61,773
7. | Related parties During the year the company entered into the following transactions with related parties:
| Transaction value - income/(expenses) |  | Balance owed by/(owed to)
--- | --- | --- | ---
| 2026 £ |  | 2025 £ |  | 2026 £ |  | 2025 £
Caliber Financial Associates Limited | 2,041,049 |  | 1,809,726 |  | 350,722 |  | 279,309
During the year the company's registration with the Financial Conduct Authority was regulated by Caliber Financial Associates Limited. Accordingly, commission and fee income was generated through that company. P McAneney is a Director and shareholder in both companies. G Lister-Thorn is a Director and shareholder of Caliber Financial Management Limited and a shareholder in Caliber Financial Associates Limited.
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