Registration number: 07121368

Crystal Financial Planning Ltd

Contents

Balance Sheet	1 to 2
Notes to the Unaudited Financial Statements	3 to 5

Crystal Financial Planning Ltd

(Registration number: 07121368)
Balance Sheet as at 31 March 2026

	Note	2026 £	2025 £
Fixed assets
Tangible assets	4	35,589	32,755
Current assets
Debtors	5	89,867	75,957
Cash at bank and in hand		93,669	63,822
		183,536	139,779
Creditors: Amounts falling due within one year	6	(38,564)	(30,032)
Net current assets		144,972	109,747
Total assets less current liabilities		180,561	142,502
Provisions for liabilities		(1,238)	(530)
Net assets		179,323	141,972
Capital and reserves
Called up share capital		5,004	5,004
Retained earnings		174,319	136,968
Shareholders' funds		179,323	141,972

Crystal Financial Planning Ltd

(Registration number: 07121368)
Balance Sheet as at 31 March 2026

For the financial year ending 31 March 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Director's 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; and
•	The director acknowledges his responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime. As permitted by section 444 (5A) of the Companies Act 2006, the director has not delivered to the registrar a copy of the Profit and Loss Account.

Approved and authorised by the director on 23 July 2026
 

......................................... Mr C N Nightingale Director

Crystal Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2026

1	General information

The company is a private company limited by share capital, incorporated in England & Wales.

The address of its registered office is:
71 Bernard Grove
Stoke-On-Trent
Staffordshire
ST3 7NZ
England

2	Accounting policies

Summary of significant accounting policies and key accounting estimates

The principal accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

Statement of compliance

These financial statements have been prepared in accordance with Financial Reporting Standard 102 Section 1A smaller entities - 'The Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland' and the Companies Act 2006 (as applicable to companies subject to the small companies' regime).

Basis of preparation

These financial statements have been prepared using the historical cost convention. These financial statements are presented in sterling which is the functional currency of the company and rounded to the nearest £.

Judgements

In the application of the company's accounting policies, the directors are 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 revision affects only that period, or in the period of revision and future periods where the revision affects both current and future periods.

Revenue recognition

Turnover comprises the fair value of the consideration received or receivable for the provision of independent financial advise services in the ordinary course of the company’s activities. Turnover is shown net of sales/value added tax, returns, rebates and discounts.

The company recognises revenue when:
The amount of revenue can be reliably measured;
it is probable that future economic benefits will flow to the entity;
and specific criteria have been met for each of the company's activities.

Crystal Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2026

Tax

The tax expense for the period comprises current and deferred tax. Tax is recognised in profit or loss, except that a change attributable to an item of income or expense recognised as other comprehensive income is also recognised directly in other comprehensive income.

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

Deferred tax is recognised in respect of all timing differences between taxable profits and profits reported in the financial statements.

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

Deferred tax is measured using the tax rates and laws that have been enacted or substantively enacted by the reporting date and that are expected to apply to the reversal of the timing difference.

Tangible assets

Tangible assets are stated in the balance sheet at cost, less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

The cost of tangible assets includes directly attributable incremental costs incurred in their acquisition and installation.

Depreciation

Depreciation is charged so as to write off the cost of assets, other than land and properties under construction over their estimated useful lives, as follows:

Asset class	Depreciation method and rate
Office extension	Not depreciated
Office equipment	25% straight line basis
Horse	Not depreciated

Defined contribution pension obligation

A defined contribution plan is a pension plan under which fixed contributions are paid into a pension fund and the company has no legal or constructive obligation to pay further contributions even if the fund does not hold sufficient assets to pay all employees the benefits relating to employee service in the current and prior periods.

Contributions to defined contribution plans are recognised as employee benefit expense when they are due. If contribution payments exceed the contribution due for service, the excess is recognised as a prepayment.

3	Staff numbers

The average number of persons employed by the company (including the director) during the year, was 4 (2025 - 5).

Crystal Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 March 2026

4	Tangible assets

	Land and buildings £	Fixtures, fittings & other assets £	Office equipment £	Total £
Cost or valuation
At 1 April 2025	6,936	23,700	15,025	45,661
Additions	-	-	3,672	3,672
At 31 March 2026	6,936	23,700	18,697	49,333
Depreciation
At 1 April 2025	-	-	12,906	12,906
Charge for the year	-	-	838	838
At 31 March 2026	-	-	13,744	13,744
Carrying amount
At 31 March 2026	6,936	23,700	4,953	35,589
At 31 March 2025	6,936	23,700	2,119	32,755

5

Debtors

Current	Note	2026 £	2025 £
Trade debtors		3,156	986
Amounts owed by related parties		81,452	69,726
Other debtors		5,259	5,245
		89,867	75,957

6

Creditors

Creditors: amounts falling due within one year

	2026 £	2025 £
Due within one year
Taxation and social security	-	1,535
Other creditors	38,564	28,497
	38,564	30,032