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Registered number: 03758622












SPINNAKER CAPITAL LIMITED
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

 

SPINNAKER CAPITAL LIMITED
 
COMPANY INFORMATION


Director
Alexis Farid Habib 




Company secretary
Dean Nicholas Menegas



Registered number
03758622



Registered office
52 Jermyn Street

London

SW1Y 6LX




Bankers
Citibank International plc
Citigroup Centre

33 Canada Square

London

E14 5LB





HSBC Bank plc

60 Queen Victoria Street

London

EC4N 4TR




Auditor
Blick Rothenberg Audit LLP
Chartered Accountants & Statutory Auditor
16 Great Queen Street
Covent Garden
London
WC2B 5AH





 

SPINNAKER CAPITAL LIMITED

CONTENTS



Page
Strategic Report
1
Director's Report
2 - 3
Independent Auditor's Report
4 - 7
Statement of Comprehensive Income
8 - 9
Balance Sheet
9
Statement of Changes in Equity
10
Statement of Cash Flows
11
Notes to the Financial Statements
12 - 21


 

SPINNAKER CAPITAL LIMITED
 
STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025

Business review
 
The investment strategy of the Global Emerging Markets Fund (GEM) is to achieve enhanced total return from capital appreciation and/or income generation through investment primarily (but not exclusively) in Emerging Market investments. GEM employs a multi-strategy approach (with dedicated teams focusing on macro, credit and special situations) covering the entire spectrum of Emerging Markets and providing maximum flexibility to generate absolute returns.

In the twelve months ended 31 December 2025, the return posted by GEM, net of fees, was 14.76%. By comparison, the S&P 500 gained 17.88% the EMBI index was up 13.45%, Emerging Market currencies were up by 13.11% against USD, the broad index of Emerging Markets equities gained 33.57% and Emerging Market local currency bonds were up by 19.26%.

As noted on page 2 the Company also entered into managed accounts arrangements and commenced the provision of non-discretionary investment and other advisory services during the year.

Principal risks and uncertainties
 
The Company earns management and performance fees  based on the amounts of assets under management and performance from time to time. The principal risks and uncertainties facing the company are therefore those facing the funds and accounts it manages. Those include among others the following: currency fluctuations; market liquidity and volatility; counterparty risks; risks of concentration of investments; transaction costs of local investments; issuer risk and other credit risks; political and economic factors; tax and other legal factors; lack of assurance of profits; use of high risk investment techniques; leverage and financing risk; use of derivative investments; use of trading techniques such as hedging and short selling; and investor redemptions.

Director's statement of compliance with duty to promote the success of the Company
 
The Company has to date not adopted any corporate governance code, but as an entity regulated by the FCA, it has incorporated a governance system that is primarily structured to ensure regulatory compliance, which is to the benefit of our primary stakeholders, our investors (clients) alongside the regulators. We also take due regard in our decision-making process for our stakeholders, employees, vendors, diversity/inclusion, and the planet.


This report was approved by the board on 27 April 2026 and signed on its behalf.



A Habib
Director

Page 1

 

SPINNAKER CAPITAL LIMITED

DIRECTOR'S REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025

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

Principal activity

The Company’s principal activity remained investment management in particular the ongoing management of
the Spinnaker Global Emerging Markets (GEM) Fund.

Alongside that activity, the Company entered into managed accounts with Chartwave Limited and Chartwater Limited (effective 1 August 2025); and commenced the provision of non-discretionary investment and other
advisory services to Sail Capital AG (effective 31 January 2025).

Director

The director who served during the year was:

Alexis Farid Habib 

MIFIDPRU 8 Disclosure

The disclosures required to be made by the company in respect of the Financial Conduct Authority MIFIDPRU 8 regulations can be found on the Company website.

Director's responsibilities statement

The director is responsible for preparing the Strategic Report, the Director's 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 applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. 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 for the Company's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent 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 to enable him to ensure that the financial statements comply with the Companies Act 2006He 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.

Page 2

 

SPINNAKER CAPITAL LIMITED

DIRECTOR'S REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

Disclosure of information to auditor

The director at the time when this Director's Report is approved has confirmed that:
 
so far as he is aware, there is no relevant audit information of which the Company's auditor is unaware, and

 he has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the Company's auditor is aware of that information.

Auditor

The auditor, Blick Rothenberg Audit LLPwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.




This report was approved by the board on 27 April 2026 and signed on its behalf.
 





A Habib
Director

Page 3

 

SPINNAKER CAPITAL LIMITED

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF SPINNAKER CAPITAL LIMITED
 FOR THE YEAR ENDED 31 DECEMBER 2025

Opinion


We have audited the financial statements of Spinnaker Capital Limited (the 'Company') for the year ended 31 December 2025, which comprise the Statement of Comprehensive Income, the Balance Sheet, the Statement of Cash Flows, the Statement of Changes in Equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (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 December 2025 and of its loss for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; 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 United Kingdom, including the Financial Reporting Council'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.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the director's use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the director with respect to going concern are described in the relevant sections of this report.


Page 4

 

SPINNAKER CAPITAL LIMITED

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF SPINNAKER CAPITAL LIMITED (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditor's Report thereon. The director is responsible for the other information contained within the Annual ReportOur 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.


Opinion 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 Strategic Report and the Director's Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Strategic Report and the Director's Report have been prepared in accordance with applicable legal requirements.


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 identified material misstatements in the Strategic Report or the Director's Report.


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 directors
 

As explained more fully in the Director's Responsibilities Statement set out on page 2, 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.


Page 5

 

SPINNAKER CAPITAL LIMITED

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF SPINNAKER CAPITAL LIMITED (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

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 extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

We identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and then design and perform audit procedures responsive to those risks, including obtaining audit evidence that is sufficient and appropriate to provide a basis for our opinion.

In identifying and assessing risks of material misstatement in respect of irregularities, including fraud, and noncompliance with laws and regulations, our procedures included the following: enquiring of management concerning the Company’s policies with regards identifying, evaluating and complying with laws and regulations and whether they were aware of any instances of non-compliance; enquiring of management concerning the Company’s policies detecting and responding to the risks of fraud and whether they have knowledge of any actual, suspected or alleged fraud; enquiring of management concerning the Company’s policies in relation to the internal controls established to mitigate risks related to fraud or non-compliance with laws and regulations; discussing among the engagement team where fraud might occur in the financial statements and any potential indicators of fraud; and obtaining an understanding of the legal and regulatory framework that the Company operates in and focusing on those laws and regulations that had a direct effect on the financial statements or that had a fundamental effect on the operations of the Company. The key laws and regulations we considered in this context included the UK Companies Act and applicable tax legislation and the Financial Services and Markets Act.

A particular focus area included the risk of fraud through management override of controls. Our procedures to respond to risks identified included the following: performing analytical procedures to identify any unusual or unexpected relationships that may indicate risks of material misstatement due to fraud; reviewing the bank statements of the Company for evidence of any large or unusual activity which may be indicative of fraud; enquiring of management in relation to any potential litigation and claims; and testing the appropriateness of journal entries and other adjustments. 

There are inherent limitations in our audit procedures described above. The more removed that laws and regulations are from financial transactions, the less likely it is that we would become aware of non-compliance. Auditing standards also limit the audit procedures required to identify non-compliance with laws and regulations to enquiry of the directors and other management and the inspection of regulatory and legal correspondence, if any.


A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditor's Report.


Page 6

 

SPINNAKER CAPITAL LIMITED

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF SPINNAKER CAPITAL LIMITED (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

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 2006Our 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.





Onisiforos Chourres (Senior Statutory Auditor)
  
for and on behalf of
Blick Rothenberg Audit LLP
 
Chartered Accountants
Statutory Auditor
  
16 Great Queen Street
London
WC2B 5AH

27 April 2026
Page 7

 

SPINNAKER CAPITAL LIMITED
 
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2025

2025
2024
Note
£
£

  

Turnover
 3 
1,016,548
304,220

Gross profit
  
1,016,548
304,220

Administrative expenses
  
(3,316,089)
(1,679,241)

Fair value movements
  
31,365
27,796

Operating loss
 4 
(2,268,176)
(1,347,225)

Interest receivable and similar income
  
45,696
48,370

Interest payable and similar expenses
  
(91)
-

Loss before tax
  
(2,222,571)
(1,298,855)

Tax on loss
 7 
-
-

Loss for the financial year
  
(2,222,571)
(1,298,855)

There was no other comprehensive income for 2025 (2024:£NIL). Accordingly, no statement of other comprehensive income has been presented.

The notes on pages 12 to 21 form part of these financial statements.

Page 8

 

SPINNAKER CAPITAL LIMITED

BALANCE SHEET
AS AT 31 DECEMBER 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 9 
11,636
16,165

Investments
 10 
173,411
204,894

  
185,047
221,059

Current assets
  

Debtors: amounts falling due after one year
  
76,176
76,176

Debtors: amounts falling due within one year
 11 
560,798
304,927

Cash at bank and in hand
  
1,712,489
1,897,658

  
2,349,463
2,278,761

Creditors: amounts falling due within one year
 12 
(1,240,722)
(353,168)

Net current assets
  
 
 
1,108,741
 
 
1,925,593

Total assets less current liabilities
  
1,293,788
2,146,652

  

Net assets
  
1,293,788
2,146,652


Capital and reserves
  

Called up share capital 
  
2,844,600
1,474,893

Profit and loss reserves
  
(1,550,812)
671,759

  
1,293,788
2,146,652


The financial statements were approved and authorised for issue by the board and were signed on its behalf on  

 27 April 2026




A Habib
Director

The notes on pages 12 to 21 form part of these financial statements.

Page 9

SPINNAKER CAPITAL LIMITED


 
  
 

STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2025



Called up share capital
Profit and loss account
Total equity


£
£
£



At 1 January 2024
50,000
2,021,591
2,071,591



Comprehensive income for the year


Loss for the year
-
(1,298,855)
(1,298,855)


Dividends
-
(50,977)
(50,977)


Shares issued during the year
1,424,893
-
1,424,893





At 1 January 2025
1,474,893
671,759
2,146,652



Comprehensive income for the year


Loss for the year
-
(2,222,571)
(2,222,571)



Contributions by and distributions to owners


Shares issued during the year
1,369,707
-
1,369,707



At 31 December 2025
2,844,600
(1,550,812)
1,293,788



The notes on pages 12 to 21 form part of these financial statements.

Page 10
 

SPINNAKER CAPITAL LIMITED

STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2025

2025
2024
£
£

Cash flows from operating activities

Loss for the financial year
(2,222,571)
(1,298,855)

Adjustments for:

Depreciation of tangible assets
9,849
7,278

Loss on disposal of tangible assets
-
6,223

Interest received
2,674
(48,370)

Decrease/(increase) in stocks
-
(76,176)

(Increase)/decrease in debtors
(244,193)
43,065

Decrease in amounts owed by groups
-
372,722

Increase/(decrease) in creditors
887,554
(506,498)

Net fair value (gains) recognised in P&L
(31,365)
(27,796)

Net cash from operating activities

(1,598,052)
(1,528,407)


Cash flows from investing activities

Purchase of tangible fixed assets
(5,321)
(20,015)

Net purchase of unlisted and other investments
45,006
(81,235)

Sale of unlisted and other investments
6,165
-

Interest received
(2,674)
48,370

Net cash from investing activities

43,176
(52,880)

Cash flows from financing activities

Issue of ordinary shares
1,369,707
1,424,893

Dividends paid
-
(50,977)

Net cash generated from financing activities
1,369,707
1,373,916

Net (decrease) in cash and cash equivalents
(185,169)
(207,371)

Cash and cash equivalents at beginning of year
1,897,658
2,105,029

Cash and cash equivalents at the end of year
1,712,489
1,897,658


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
1,712,489
1,897,658

1,712,489
1,897,658


The notes on pages 12 to 21 form part of these financial statements.

Page 11

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

1.Accounting policies

  
1.1

Basis of preparation of financial statements

Spinnaker Capital Limited is a private company limited by shares incorporated in England and Wales. The registered office is 52 Jermyn Street, London, United Kingdom, SW1Y 6LX.

The financial statements have been prepared under the historical cost convention, with the exception of unlisted investments which are valued at their fair value, and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the United
Kingdom and the Republic of Ireland and the Companies Act 2006.

The financial statements have been prepared in sterling, which is the functional currency of the Company. Monetary amounts in these financial statements are rounded to the nearest £.

The principal accounting policies adopted are set out below.

 
1.2

Going concern

At the time of approving the financial statements, the director has a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Thus the director continues to adopt the going concern basis of accounting in preparing the financial statements.

 
1.3

Turnover

Turnover comprises revenue recognised by the company in respect of investment management and
performance fees. Management fees are recognised as they accrue across the year. Performance
fees are recognised on crystallisation.

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Company and the revenue can be reliably measured. Revenue is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. The following criteria must also be met before revenue is recognised: 

Rendering of services 
• Revenue from a contract to provide services is recognised in the period in which the services are 
provided in accordance with the stage of completion of the contract when all of the following 
conditions are satisfied: 
• the amount of revenue can be measured reliably; 
• it is probable that the Company will receive the consideration due under the contract; 
• the stage of completion of the contract at the end of the reporting period can be measured 
reliably; and 
• the costs incurred and the costs to complete the contract can be measured reliably.

 
1.4

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated
depreciation and any accumulated impairment losses.

Page 12

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

1.Accounting policies (continued)


1.4
Tangible fixed assets (continued)

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, on the following bases:.


Leasehold improvements
-
Over the life of the lease (27 months straight line)
Fixtures and fittings
-
5 years
Office equipment
-
3 years



The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is credited or charged to profit or loss.

 
1.5

Fixed asset investments

Investments are initially measured at transaction price excluding transaction costs, and are subsequently measured at fair value at each reporting date. Changes in fair value are recognised in profit or loss. Transaction costs are expensed to profit or loss as incurred.

  
1.6

Impairment of fixed assets

At each reporting period date, the Company reviews the carrying amounts of its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). Where it is not possible to estimate the recoverable amount of an individual asset, the Company estimates the recoverable amount of the cash-generating unit to which the asset belongs.

Recoverable amount is the higher of the fair value less costs to sell and value in use. In accounting value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have not been adjusted.

If the recoverable amount of an asset (or cash-generating unit) is estimated to be less than its carrying amount, the carrying amount of the asset (or cash-generating unit) is reduced to its recoverable amount. An impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the impairment loss is treated as a revaluation decrease.

Recognised impairment losses are reversed if, and only if, the reasons for the impairment loss have ceased to apply. Where an impairment loss subsequently reverses, the carrying amount of the asset (or cash-generating unit) is increased to the revised estimate of its recoverable amount, but so that the increased carrying amount does not exceed the carrying amount that would have been determined had no impairment loss been recognised for the asset (or cash-generating unit) in prior years. A reversal of an impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the reversal of the impairment loss is treated as a revaluation increase.

Page 13

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

1.Accounting policies (continued)

  
1.7

Cash and cash equivalents

Cash and cash equivalents are basic financial assets and include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

 
1.8

Financial instruments

The Company has elected to apply the provisions of Section 11 “Basic Financial Instruments” of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the Company's Balance Sheet when the Company becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include trade and other debtors, cash and bank balances, are initially measured at their transaction price (adjusted for transaction costs except in the initial measurement of financial assets that are subsequently measured at fair value through profit and loss) and are subsequently carried at their amortised cost using the effective interest method, less any provision for impairment, unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest.

Discounting is omitted where the effect of discounting is immaterial. The Company's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

Basic financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the Company after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans and other loans are initially measured at their transaction price (adjusting for transaction costs except in the initial measurement of financial liabilities that are subsequently measured at fair value through profit and loss). When this constitutes a financing transaction, whereby the debt instrument is measured at the present value of the future payments discounted at a market rate of interest, discounting is omitted where the effect of discounting is immaterial.

Debt instruments are subsequently carried at their amortised cost using the effective interest rate method.

Trade creditors are obligations to pay for goods and services that have been acquired in the ordinary course of business from suppliers. Trade creditors are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities. Trade creditors are initially recognised at their transaction price and subsequently are measured at amortised cost using the effective interest method. Discounting is omitted where the effect of discounting is immaterial.

Page 14

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

1.Accounting policies (continued)

 
1.9

Taxation

Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the balance sheet date in the countries where the Company operates and generates income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the balance sheet date, except that:
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits; and
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the balance sheet date.


  
1.10

Employee benefits

The costs of short-term employee benefits are recognised as a liability and an expense, unless those costs are required to be recognised as part of the cost of stock or fixed assets.

The cost of any unused holiday entitlement is recognised in the period in which the employee's services are received.

Termination benefits are recognised immediately as an expense when the company is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

  
1.11

Retirement benefits

Payments to defined contribution retirement benefit schemes are charged as an expense as they fall due.

 
1.12

Operating leases: the Company as lessee

Rentals payable under operating leases, including any lease incentives received, are charged to profit or loss on a straight line basis over the term of the relevant lease except where another more systematic basis is more representative of the time pattern in which economic benefits from the leases asset are consumed.

Page 15

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.


Judgments in applying accounting policies 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 where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

Management do not consider there to be any key accounting estimates or assumptions made that have a significant risk of causing a material adjustment to the carrying amount of assets and liabilities within the financial year. Due to the straightforward nature of the business, management consider that no critical judgements have been made in applying the company's accounting policies.


3.


Turnover

2025
2024
£
£



Management fees
255,671
94,759

Performance fees
161,133
209,461

Advisory fees
599,744
-

1,016,548
304,220

All turnover arose within the United Kingdom.


4.


Operating Loss

The operating loss is stated after charging:

2025
2024
£
£

Exchange differences
19,688
25,962

Other operating lease rentals
354,103
339,733

Depreciation of owned tangible fixed assets
9,849
7,278

Fees payable to the Company's auditor and its associates for the audit of the Company's financial statements
18,000
18,000

Page 16

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

5.


Director's remuneration

2025
2024
£
£



Remuneration for qualifying services
15,000
15,000

15,000
15,000

The highest paid director received remuneration of £15,000 (2024 - £15,000).


6.


Employees

The average monthly number of persons (including directors) employed by the company during the year was 10 (2024: 10).

Their aggregate remuneration comprised


2025
2024
£
£



Wages and salaries
1,565,915
749,257

Social security costs
787,709
152,616

Pension costs
40,877
39,913

2,394,501
941,786

Page 17

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

7.


Taxation



Factors affecting tax charge for the year

The tax assessed for the year is the same as (2024 - the same as) the standard rate of corporation tax in the UK of 25% (2024 - 25%) as set out below:

2025
2024
£
£


Loss on ordinary activities before tax
(2,222,571)
(1,298,855)


Loss on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 -  25 %)
(555,643)
(324,714)

Effects of:


Deferred tax not provided on losses carried forward
555,643
324,714

Total tax charge for the year
-
-


8.


Dividends

2025
2024
£
£


Cash dividend paid
-
50,977

-
50,977

Page 18

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

9.


Tangible fixed assets


Leasehold improvements
Fixtures and fittings
Office equipment
Total

£
£
£
£



Cost or valuation


At 1 January 2025
12,090
50,104
72,641
134,835


Additions
-
126
5,195
5,321


Disposals
-
(13,411)
-
(13,411)



At 31 December 2025

12,090
36,819
77,836
126,745



Depreciation


At 1 January 2025
4,623
45,615
68,432
118,670


Charge for the year on owned assets
7,467
979
1,403
9,849


Disposals
-
(13,410)
-
(13,410)



At 31 December 2025

12,090
33,184
69,835
115,109



Net book value



At 31 December 2025
-
3,635
8,001
11,636



At 31 December 2024
7,467
4,489
4,209
16,165


10.


Fixed asset investments





Unlisted investments

£



Cost or valuation


At 1 January 2025
204,894


Disposals
(45,006)


Revaluations
13,523



At 31 December 2025
173,411




Page 19

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

11.


Debtors

2025
2024
£
£


Trade debtors
1,703
-

Other debtors
32,837
37,443

Prepayments and accrued income
525,083
266,309

Tax recoverable
1,175
1,175

560,798
304,927



12.


Creditors: Amounts falling due within one year

2025
2024
£
£

Trade creditors
42,751
99,719

Other creditors
62,999
38,306

Accruals and deferred income
1,134,972
215,143

1,240,722
353,168



13.


Retirement benefit schemes

2025
2024
£
£

Defined contribution schemes


Charge to profit or loss in respect of defined contributions schemes
40,877
39,913

40,877
39,913

The Company operates a defined contribution pension scheme for all qualifying employees. The assets of the scheme are held separately from those of the Company in an independently administered fund.

Page 20

 

SPINNAKER CAPITAL LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

14.


Commitments under operating leases

At 31 December 2025 the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2025
2024
£
£


Not later than 1 year
366,179
351,521

Later than 1 year and not later than 5 years
399,998
366,179

766,177
717,700


15.


Share capital

During the year, Spinnaker Financial Services Limited subscribed for 2,739,416 Ordinary Class A shares, with £0.50 nominal value of each value, contributing a total of £1,369,707 into the company as share capital.


16.


Controlling party

The Company is a wholly owned subsidiary of Spinnaker Financial Services Limited, a company registered in the British Virgin Islands.

Page 21