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Registered number: 15453132









INDIA TOPCO LIMITED









ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 JANUARY 2026

 
INDIA TOPCO LIMITED
 
 
COMPANY INFORMATION


Directors
R D Morrison 
H H R Nicholson 
N C Richards 
S Wall 




Registered number
15453132



Registered office
6-8 Vestry Street

London

N1 7RE




Independent auditors
Barnes Roffe Audit Limited
Chartered Accountants & Statutory Auditor

Level 41A

Tower 42

25 Old Broad Street

London

EC2N 1HQ





 
INDIA TOPCO LIMITED
 

CONTENTS



Page
Group Strategic Report
 
1 - 5
Directors' Report
 
6 - 7
Independent Auditors' Report
 
8 - 11
Consolidated Statement of Comprehensive Income
 
12
Consolidated Balance Sheet
 
13
Company Balance Sheet
 
14
Consolidated Statement of Changes in Equity
 
15 - 16
Company Statement of Changes in Equity
 
17
Consolidated Statement of Cash Flows
 
18 - 19
Consolidated Analysis of Net Debt
 
20
Notes to the Financial Statements
 
21 - 39


 
INDIA TOPCO LIMITED
 
 
GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 31 JANUARY 2026

Introduction
 
The Company was incorporated as a holding company in January 2024. On 24 May 2024, the Company indirectly  acquired 100% of the issued share capital of the Trading Group Finders Genealogists Holdings Limited, ‘Finders International’.

Founded in 1997, Finders International has grown from a small UK-based firm into one of the world’s most respected probate genealogy companies, assisting legal professionals, the public sector, and private individuals in tracing missing heirs, locating assets, and resolving complex estate matters across the globe.

Finders International combines speed, accuracy, and professionalism to deliver accurate and reliable results. The dedicated team of expert genealogists and researchers operates worldwide, using advanced tools and vast networks to solve even the most challenging cases. The Group offers transparent, risk-free pricing options including contingency based services, acting as a trusted partner to its network.

Page 1

 
INDIA TOPCO LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 JANUARY 2026

Business review
 
During the previous financial year, the Company, backed by Pelican Capital LLP, invested in Finders International. The prior period reflects a partial year of trading following the acquisition in May 2024, and therefore the current year represents the first full year of consolidated results. The group achieved revenue growth of 10% on an annualised basis, reflecting the underlying performance of the Trading Group (compared with the trading group's unaudited twelve month results for the year ended 31 January 2025).

This growth reflects the successful execution of strategic initiatives, including continued investment in technology, a focus on building and maintaining strong professional networks, and an unwavering commitment to service quality.

Key drivers of growth included:

• Ongoing development and integration of proprietary technology to improve research accuracy and speed and   enable process efficiencies;
• Expansion of strategic relationships across the legal, professional and public sectors;
• Reinforcement of the Group’s reputation as a reliable and ethical partner within the probate sector.

The gross profit margin for the Trading Group for the year was 41% 
(2025: 35%), demonstrating a robust underlying business model supported by operational efficiency and client trust.

While the group delivered strong revenue growth and margin expansion, profitability reflects the transition to a full year of operations, alongside continued investment in the Group's capabilities and operating platform to support future scale. During the financial year, the Group recorded pre tax losses of £4,258k . This was mostly as a result of £1,964k interest and fees on the financing used to acquire Finders International, and £2,102k amortisation of Goodwill relating to the acquisition.

With the effects of the COVID pandemic on the probate genealogy market now passed, the Group maintained steady operations and enhanced its market position. The directors consider the overall performance for the year to be strong and aligned with long-term objectives, with a clear foundation for future growth.

Page 2

 
INDIA TOPCO LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 JANUARY 2026

Principal risks and uncertainties
 
The management of the business is subject to a number of risks. The key business risks and uncertainties are considered to relate to cyber risk and a variety of financial risks.

The Group continues to actively address cyber risk by strengthening internal controls and data security measures, supported by ongoing investment in cybersecurity infrastructure and technology.

The Group's operations expose it to a variety of financial risks that include price risk, credit risk, liquidity risk and interest rate risk. The Group has in place a risk management program that seeks to limit adverse effects on the financial performance of the Group.

Credit risk
 
The Group’s principal financial assets consist of cash at bank and trade debtors. The Group's credit risk mainly arises from its trade debtors and is closely managed through stringent credit control procedures. However, the Group retains certain risks and rewards associated with these trade debtors. The amounts presented in the balance sheet are net of impairment and expected credit loss provision.

Liquidity risk
 
The cash balance at the year end was £1,014k which provides the Group with adequate working capital. The directors recognise the importance of funding and liquidity under the current economic climate and will continue to monitor the Group's financial resources to ensure that the Group is able to support its activities and future growth.

Page 3

 
INDIA TOPCO LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 JANUARY 2026

Strategy

The group enters the new financial year with a strong platform for continued growth and operational improvement. Under new ownership, strategic focus will remain on delivering a high standard of service to clients across the probate genealogy sector, expanding market presence and driving efficiency.

A key area of investment will continue to be technology. The Group is committed to enhancing its proprietary systems and research tools to deliver greater precision and efficiency in case handling, enabling faster resolution times and improved outcomes for clients. These improvements are expected to increase internal efficiency and support scalable growth, allowing the Group to manage greater volumes while maintaining quality and compliance standards.

The market for probate genealogy services remains stable, with opportunities driven by demographic trends, steadily growing estate values, and a growing need for professional expertise in estate matters. The Group continues to strengthen its position as a trusted partner to the legal, professional, and public sectors built on a reputation for integrity, responsiveness, and high-quality service. Deepening engagement with legal professionals and expanding its referral network remain strategic priorities, alongside sustaining the high levels of reliability and discretion that underpin its work.

While external risks such as regulatory changes and competition remain, the directors are confident in the Group’s strategic direction and long-term prospects.

Page 4

 
INDIA TOPCO LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 JANUARY 2026

Key Financial Performance Indicators
 
The directors use a number of financial and non-financial key performance indicators to monitor and assess the Group’s performance against its strategic objectives. The principal financial KPIs during the year for the Trading Group were as follows:

Revenue Growth: Revenue increased by 10% compared to the prior year (on a normalised annual basis), reflecting strong operational delivery and increased demand for services across both new and existing clients.

Gross Profit Margin: The group achieved a gross margin of 41% (2025: 35%), consistent with its focus on maintaining service quality while improving internal efficiency.

Adjusted EBITDA Margin: The adjusted EBITDA margin was 6% (2025: 1%), reflecting the Group’s underlying profitability before exceptional costs and non-operating items. The increased margin reflects improvements in internal efficiency, alongside a continued focus on strengthening key capabilities, including business development and operational infrastructure, to support scalable growth.

Management also tracks a number of non-financial KPIs, including client satisfaction, staff retention, case resolution timelines, volume of referrals and client concentration.


This report was approved by the Board on 27 July 2026 and signed on its behalf.



S Wall
Director

Page 5

 
INDIA TOPCO LIMITED
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 JANUARY 2026

The directors present their report and the financial statements for the year ended 31 January 2026.

Directors' responsibilities statement

The directors are responsible for preparing the Group Strategic Report, the Directors' Report and the consolidated financial statements in accordance with applicable law and regulations.
 
Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have 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 directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and the Group and of the profit or loss of the Group for that period.

 In preparing these financial statements, the directors are required to:


select suitable accounting policies for the Group's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Group will continue in business.

The directors are 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 the Group and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and the Group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Results and dividends

The loss for the year, after taxation, amounted to £4,243,906 (2025 - loss £3,732,385).

There were no dividends declared during the year.

Directors

The directors who served during the year were:

R D Morrison 
H H R Nicholson 
N C Richards 
S Wall 

Future developments

The directors consider that the trading activities from the group and the continued support from stakeholders provide the Group with adequate financial resources to support its activities and future development.

Page 6

 
INDIA TOPCO LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 JANUARY 2026


Disclosure of information to auditors

Each of the persons who are directors at the time when this Directors' Report is approved has confirmed that:
 
so far as the board of directors are aware, there is no relevant audit information of which the Company and the Group's auditors are unaware, and

the board of directors have taken all the steps that ought to have been taken as a board of directors in order to be aware of any relevant audit information and to establish that the Company and the Group's auditors are aware of that information.

Post balance sheet events

There have been no significant events affecting the Group since the year end.
 

Auditors

The auditorsBarnes Roffe Audit Limitedwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the Board and signed on its behalf.
 





S Wall
Director

Date: 27 July 2026

Page 7

 
INDIA TOPCO LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF INDIA TOPCO LIMITED
 

Opinion


We have audited the financial statements of India Topco Limited (the 'parent Company') and its subsidiaries (the 'Group') for the year ended 31 January 2026, which comprise the Consolidated Statement of Comprehensive Income, the Consolidated Balance Sheet, the Company Balance Sheet, the Consolidated Statement of Cash Flows, the Consolidated Statement of Changes in Equity, the Company 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 Group's and of the parent Company's affairs as at 31 January 2026 and of the Group's 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 Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the Group 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 directors' 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 Group's or the parent 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 directors with respect to going concern are described in the relevant sections of this report.


Page 8

 
INDIA TOPCO LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF INDIA TOPCO LIMITED (CONTINUED)


Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' Report thereon. The directors are 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 Group Strategic Report and the Directors' Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Group Strategic Report and the Directors' 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 Group and the parent Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Group Strategic Report or the Directors' 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 by the parent Company, or returns adequate for our audit have not been received from branches not visited by us; or
the parent Company financial statements are not in agreement with the accounting records and returns; or
certain disclosures of directors' 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 Directors' Responsibilities Statement set out on page 6, the directors are 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 directors determine 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 directors are responsible for assessing the Group's and the parent 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 directors either intend to liquidate the Group or the parent Company or to cease operations, or have no realistic alternative but to do so.

Page 9

 
INDIA TOPCO LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF INDIA TOPCO LIMITED (CONTINUED)



Auditors' 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 Auditors' 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 Group 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:

Our approach to identifying and assessing the risks of material misstatement in respect of irregularities, including  fraud and non compliance with laws and regulations, was as follows:

•Ensuring that the engagement team collectively had the appropriate competence, capabilities and skills to  identify non compliance with applicable laws and regulations;

•We identified the laws and regulations applicable to the company through discussions with directors, and from our commercial knowledge and experience of the relevant sector;

•The specific laws and regulations which we considered may have a direct material effect on the financial   statements or the operations of the company, are as follows Companies Act 2006. FRS 102, Employment  legislation and Tax legislation;

•We assessed the extent of compliance with the laws and regulations identified above through making enquiries of management and inspecting legal correspondence;

•Laws and regulations were communicated within the audit team at the planning meeting, and the audit team 
 remained alert to instances of non compliance throughout the audit.

We assessed the susceptibility of the company’s financial statements to material misstatement, including 
obtaining an understanding of how fraud might occur, by:

•Making enquiries of management as to where they considered there was susceptibility to fraud, their   knowledge of actual, suspected and alleged fraud; and

•Considering the internal controls in place to mitigate risks of fraud and non  compliance with laws and   regulations;

•Reviewing the financial statements and testing the disclosures against supporting documentation;

•Performing analytical procedures to identify any unusual or unexpected trends or anomalies;

•Inspecting and testing journal entries to identify unusual or unexpected transactions;

•Assessing whether judgement and assumptions made in determining significant accounting estimates were  indicative of management bias.


 


Page 10

 
INDIA TOPCO LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF INDIA TOPCO LIMITED (CONTINUED)


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 Auditors' Report.


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 Auditors' 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.





Adam Dodds (Senior Statutory Auditor)
for and on behalf of
Barnes Roffe Audit Limited
Chartered Accountants
Statutory Auditor
Level 41A
Tower 42
25 Old Broad Street
London
EC2N 1HQ

28 July 2026
Page 11

 
INDIA TOPCO LIMITED
 
 
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 JANUARY 2026

Year ended
31 January
Period ended
31 January
2026
2025
                                                  Note
£
£

  

Turnover
 4 
12,675,148
8,465,639

Cost of sales
  
(7,512,884)
(5,483,899)

Gross profit
  
5,162,264
2,981,740

Administrative expenses
  
(7,549,949)
(5,352,240)

Operating loss
 5 
(2,387,685)
(2,370,500)

Interest receivable and similar income
 9 
2,735
15,920

Interest payable and similar expenses
 10 
(1,872,793)
(1,323,214)

Loss before taxation
  
(4,257,743)
(3,677,794)

Tax on loss
 11 
13,837
(54,591)

Loss for the financial year
  
(4,243,906)
(3,732,385)

  

Movement on foreign exchange reserve
  
(6,872)
12,012

Total comprehensive income for the year
  
(4,250,778)
(3,720,373)

(Loss) for the year attributable to:
  

Owners of the Parent Company
  
(4,243,906)
(3,732,385)

Total comprehensive income for the year attributable to:
  

Owners of the Parent Company
  
(4,250,778)
(3,720,373)

The notes on pages 21 to 39 form part of these financial statements.

Page 12

 
INDIA TOPCO LIMITED
REGISTERED NUMBER: 15453132

CONSOLIDATED BALANCE SHEET
AS AT 31 JANUARY 2026

2026
2025
                                                                          Note
£
£

Fixed assets
  

Intangible assets
 12 
17,953,097
19,512,645

Tangible assets
 13 
141,084
122,273

  
18,094,181
19,634,918

Current assets
  

Debtors: amounts falling due within one year
 15 
1,355,908
1,665,860

Cash at bank and in hand
 16 
1,014,221
1,875,172

  
2,370,129
3,541,032

Creditors: amounts falling due within one year
 17 
(5,636,467)
(1,982,924)

Net current (liabilities)/assets
  
 
 
(3,266,338)
 
 
1,558,108

Total assets less current liabilities
  
14,827,843
21,193,026

Creditors: amounts falling due after more than one year
 18 
(22,755,510)
(24,875,330)

Provisions for liabilities
  

Deferred taxation
 20 
(35,271)
(30,015)

  
 
 
(35,271)
 
 
(30,015)

Net liabilities
  
(7,962,938)
(3,712,319)


Capital and reserves
  

Called up share capital 
 21 
8,213
8,054

Foreign exchange reserve
 22 
5,140
12,012

Profit and loss account
 22 
(7,976,291)
(3,732,385)

Equity attributable to owners of the Parent Company
  
(7,962,938)
(3,712,319)


The financial statements were approved and authorised for issue by the Board and were signed on its behalf on 27 July 2026.




S Wall
Director

The notes on pages 21 to 39 form part of these financial statements.

Page 13

 
INDIA TOPCO LIMITED
REGISTERED NUMBER: 15453132

COMPANY BALANCE SHEET
AS AT 31 JANUARY 2026

2026
2025
                                                                          Note
£
£

  

Investments
 14 
-
-

  
-
-

Current assets
  

Debtors: amounts falling due within one year
 15 
9,664
9,874

  
9,664
9,874

Creditors: amounts falling due within one year
 17 
(23,967)
(11,321)

Net current liabilities
  
 
 
(14,303)
 
 
(1,447)

Total assets less current liabilities
  
(14,303)
(1,447)

  

  

Net liabilities
  
(14,303)
(1,447)


Capital and reserves
  

Called up share capital 
 21 
8,213
8,054

Profit and loss account brought forward
  
(9,501)
-

Loss for the year
  
(13,015)
(9,501)

Profit and loss account carried forward
  
(22,516)
(9,501)

  
(14,303)
(1,447)


The financial statements were approved and authorised for issue by the Board and were signed on its behalf on 27 July 2026.


S Wall
Director

The notes on pages 21 to 39 form part of these financial statements.

Page 14

 
INDIA TOPCO LIMITED
 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 JANUARY 2026


Called up share capital
Foreign exchange reserve
Profit and loss account
Total equity

£
£
£
£

At 1 February 2025
8,054
12,012
(3,732,385)
(3,712,319)



Loss for the year
-
-
(4,243,906)
(4,243,906)

Movement on foreign exchange reserve
-
(6,872)
-
(6,872)

Shares issued during the year
159
-
-
159


At 31 January 2026
8,213
5,140
(7,976,291)
(7,962,938)


The notes on pages 21 to 39 form part of these financial statements.

Page 15

 
INDIA TOPCO LIMITED
 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE PERIOD ENDED 31 JANUARY 2025


Called up share capital
Foreign exchange reserve
Profit and loss account
Equity attributable to owners of Parent Company
Total equity

£
£
£
£
£


Comprehensive income for the period

Loss for the period
-
-
(3,732,385)
(3,732,385)
(3,732,385)

Movement on foreign exchange reserve
-
12,012
-
12,012
12,012
Total comprehensive income for the period
-
12,012
(3,732,385)
(3,720,373)
(3,720,373)


Contributions by and distributions to owners

Shares issued during the period
8,054
-
-
8,054
8,054


At 31 January 2025
8,054
12,012
(3,732,385)
(3,712,319)
(3,712,319)


The notes on pages 21 to 39 form part of these financial statements.

Page 16

 
INDIA TOPCO LIMITED
 

COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 JANUARY 2026


Called up share capital
Profit and loss account
Total equity

£
£
£


Comprehensive income for the period

Loss for the period
-
(9,501)
(9,501)

Shares issued during the period
8,054
-
8,054



At 1 February 2025
8,054
(9,501)
(1,447)



Loss for the year
-
(13,015)
(13,015)

Shares issued during the year
159
-
159


At 31 January 2026
8,213
(22,516)
(14,303)


The notes on pages 21 to 39 form part of these financial statements.

Page 17

 
INDIA TOPCO LIMITED
 

CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 JANUARY 2026

2026
2025
£
£

Cash flows from operating activities

Loss for the financial year
(4,243,906)
(3,732,385)

Adjustments for:

Amortisation of intangible assets
2,252,541
1,543,016

Depreciation of tangible assets
53,243
33,787

Loss on disposal of tangible assets
-
1,455

Interest paid
1,872,793
1,323,214

Interest received
(2,735)
(15,920)

Taxation charge
(13,837)
54,591

Decrease/(increase) in debtors
272,231
(1,636,714)

(Decrease)/increase in creditors
(345,492)
1,981,959

Corporation tax received/(paid)
55,849
(7,021)

Exchange difference in currency conversion
(6,872)
8,297

Movement in deferred tax provision
-
19,201

Net cash generated from operating activities

(106,185)
(426,520)


Cash flows from investing activities

Purchase of intangible fixed assets
(692,993)
(220,664)

Purchase of tangible fixed assets
(72,054)
(157,515)

Interest received
2,735
15,920

Acquisition of subsidiaries
-
(16,896,219)

Net cash from investing activities

(762,312)
(17,258,478)
Page 18

 
INDIA TOPCO LIMITED
 

CONSOLIDATED STATEMENT OF CASH FLOWS (CONTINUED)
FOR THE YEAR ENDED 31 JANUARY 2026


2026
2025

£
£



Cash flows from financing activities

Issue of ordinary shares
159
8,054

New secured loans
700,000
6,000,000

Interest paid
(742,593)
(542,244)

Issue of loan notes
49,980
14,094,360

Net cash used in financing activities
7,546
19,560,170

Net (decrease)/increase in cash and cash equivalents
(860,951)
1,875,172

Cash and cash equivalents at beginning of year
1,875,172
-

Cash and cash equivalents at the end of year
1,014,221
1,875,172


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
1,014,221
1,875,172

1,014,221
1,875,172


The notes on pages 21 to 39 form part of these financial statements.

Page 19

 
INDIA TOPCO LIMITED
 

CONSOLIDATED ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 31 JANUARY 2026





At 1 February 2025
Cash flows
Other non-cash changes
At 31 January 2026
£

£

£

£

Cash at bank and in hand

1,875,172

(860,951)

-

1,014,221

Debt due after 1 year

(20,875,330)

(749,980)

(1,130,200)

(22,755,510)


(19,000,158)
(1,610,931)
(1,130,200)
(21,741,289)

The notes on pages 21 to 39 form part of these financial statements.

Page 20

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

1.


General information

India Topco Limited is a private company limited by shares incorporated in England and Wales. The registered office is 6-8 Vestry Street, London, N1 7RE.

The principal activity of the company was that of a holding company.

The prior period consolidated financial statements for the period ended 31 January 2025 comprised the results of Finders Genealogists Holdings Limited, Finders Genealogists Limited, Finders International Probate Genealogists (Ireland) Limited and DSResearchers Limited  from its date of acquisition of these companies on 24 May 2024. Accordingly, the comparative information does not represent a full twelve-month period of trading for the Group.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires Group management to exercise judgment in applying the Group's accounting policies (see note 3).

The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own Statement of Comprehensive Income in these financial statements.

The following principal accounting policies have been applied:

  
2.2

Basis of consolidation

The consolidated financial statements present the results of the Company and its own subsidiaries ("the Group") as if they form a single entity. Intercompany transactions and balances between group companies are therefore eliminated in full.

The consolidated financial statements incorporate the results of business combinations using the purchase method. In the Balance Sheet, the acquiree's identifiable assets, liabilities and contingent liabilities are initially recognised at their fair values at the acquisition date. The results of acquired operations are included in the Consolidated Statement of Comprehensive Income from the date on which control is obtained. They are deconsolidated from the date control ceases.

 
2.3

Going concern

The Group had net liabilities in the current and prior year, which is reflective of the investment made in the group. The directors have considered management information, capital resources, and trading forecasts to assess the appropriateness of the going concern policy. The directors have a reasonable expectation that the Group has adequate resources to continue in operational existence for the foreseeable future, and therefore consider the going concern basis of accounting to remain appropriate.

Page 21

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

2.Accounting policies (continued)

 
2.4

Foreign currency translation

Functional and presentation currency

The Company's functional and presentational currency is GBP.

Transactions and balances

Foreign currency transactions are translated into the functional currency using the spot exchange rates at the dates of the transactions.

At each period end foreign currency monetary items are translated using the closing rate. Non-monetary items measured at historical cost are translated using the exchange rate at the date of the transaction and non-monetary items measured at fair value are measured using the exchange rate when fair value was determined.

Foreign exchange gains and losses resulting from the settlement of transactions and from the translation at period-end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in profit or loss except when deferred in other comprehensive income as qualifying cash flow hedges.

Foreign exchange gains and losses that relate to borrowings and cash and cash equivalents are presented in the Consolidated Statement of Comprehensive Income within 'finance income or costs'. All other foreign exchange gains and losses are presented in profit or loss within 'other operating income'.

On consolidation, the results of overseas operations are translated into Sterling at rates approximating to those ruling when the transactions took place. All assets and liabilities of overseas operations are translated at the rate ruling at the reporting date. Exchange differences arising on translating the opening net assets at opening rate and the results of overseas operations at actual rate are recognised in other comprehensive income.

 
2.5

Revenue

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Group 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 Group 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.

Page 22

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

2.Accounting policies (continued)

 
2.6

Operating leases: the Group as lessee

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

Benefits received and receivable as an incentive to sign an operating lease are recognised on a straight-line basis over the lease term, unless another systematic basis is representative of the time pattern of the lessee's benefit from the use of the leased asset.

 
2.7

Interest income

Interest income is recognised in profit or loss on an actual receipts basis.

 
2.8

Finance costs

Finance costs are charged to profit or loss over the term of the debt so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a prepayment and spread over the term of the debt.

 
2.9

Borrowing costs

All borrowing costs are recognised in profit or loss in the year in which they are incurred.

 
2.10

Pensions

Defined contribution pension plan

The Group operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Group pays fixed contributions into a separate entity. Once the contributions have been paid the Group has no further payment obligations.

The contributions are recognised as an expense in profit or loss when they fall due. Amounts not paid are shown in accruals as a liability in the Balance Sheet. The assets of the plan are held separately from the Group in independently administered funds.

Page 23

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

2.Accounting policies (continued)

 
2.11

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. 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 and the Group operate and generate 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;
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met; and
Where they relate to timing differences in respect of interests in subsidiaries, associates, branches and joint ventures and the Group can control the reversal of the timing differences and such reversal is not considered probable in the foreseeable future.

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.


Page 24

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

2.Accounting policies (continued)

 
2.12

Intangible assets

Goodwill

Goodwill represents the difference between amounts paid on the cost of a business combination and the acquirer’s interest in the fair value of the Group's share of its identifiable assets and liabilities of the acquiree at the date of acquisition. Subsequent to initial recognition, goodwill is measured at cost less accumulated amortisation and accumulated impairment losses. Goodwill is amortised on a straight-line basis to the Consolidated Statement of Comprehensive Income over its useful economic life.

Other intangible assets

Intangible assets are initially recognised at cost. After recognition, under the cost model, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

All intangible assets are considered to have a finite useful life. If a reliable estimate of the useful life cannot be made, the useful life shall not exceed ten years.

 
2.13

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

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

Depreciation is provided on the following basis:

Plant and machinery
-
25%
straight line
Fixtures and fittings
-
25%
reducing balance
Office equipment
-
25%
straight line

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.

 
2.14

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

Page 25

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

2.Accounting policies (continued)

 
2.15

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost on an actual receipts basis, less any impairment.

 
2.16

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.

In the Consolidated Statement of Cash Flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the Group's cash management.

 
2.17

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

 
2.18

Provisions for liabilities

Provisions are recognised when an event has taken place that gives rise to a legal or constructive obligation, a transfer of economic benefits is probable and a reliable estimate can be made.

Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
 
Increases in provisions are generally charged as an expense to profit or loss.

Page 26

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

2.Accounting policies (continued)

 
2.19

Financial instruments

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

The Group has elected to apply the recognition and measurement provisions of IFRS 9 Financial Instruments (as adopted by the UK Endorsement Board) with the disclosure requirements of Sections 11 and 12 and the other presentation requirements of FRS 102.

Financial instruments are recognised in the Group's Balance Sheet when the Group 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 Group'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 Group after the deduction of all its liabilities.

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

Creditors are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities.

Page 27

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

3.


Judgments in applying accounting policies and key sources of estimation uncertainty

Estimates and judgments are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Critical judgments in applying the entity’s accounting policies

No significant judgments have had to be made by management in preparing these financial statements.

Critical accounting estimates and assumptions.

(i) Long-term contracts

Profit on contracts is taken as the work is carried out if the final outcome can be assessed with reasonable certainty.  

(ii) Useful economic lives of tangible assets and intangible assets

The annual depreciation charge for tangible assets and intangible assets are sensitive to changes in the estimated useful economic lives and residual values of the assets. The useful economic lives and residual values are reassessed annually. They are amended when necessary to reflect current estimates, based on technological advancement, future investments, economic utilisation and the physical condition of the assets. See note 13 for the carrying amount of the property plant and equipment, note 12 for the carrying amount of intangible fixed assets, note 2.12 and note 2.13 for the useful economic lives for each class of assets.

(iii) Impairment of debtors

The Group makes an estimate of the recoverable value of trade and other debtors. When assessing impairment of trade and other debtors, management considers factors including the current credit rating of the debtor, the ageing profile of debtors and historical experience. See note 16 for the net carrying amount of the debtors.

(iv) Goodwill 

The Directors provide an estimation of the fair value of the net assets on each acquisition at the acquisition date. The fair value of the net assets is used to calculate the goodwill for each acquisition. 

The Directors have assessed the useful economic life of goodwill to be 10 years.


4.


Turnover

The whole of the turnover is attributable to the group's principal activity.

An analysis of turnover by geographical area is not given as, in the opinion of the directors, such disclosure would be seriously prejudicial to the interest of the Group.

Page 28

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

5.


Operating loss

The operating loss is stated after charging:

Year ended
31 January
Period ended
31 January
2026
2025
£
£

Depreciation on tangible fixed assets
53,243
33,787

Amortisation on intangible fixed assets
2,252,541
1,543,016

Exchange differences
44,201
8,297

Other operating lease rentals
278,851
179,395

Defined contribution pension costs
184,087
155,815


6.


Auditors' remuneration

During the year, the Group obtained the following services from the Company's auditors:


Year ended
31 January
Period ended
31 January
2026
2025
£
£

Fees payable to the Company's auditors for the audit of the consolidated and Parent Company's financial statements
3,500
3,000

Fees payable to the Company's auditor for the auditing of the accounts of the subsidiaries of the Company
25,000
17,200

Fees payable to the Irish Company's auditors for the audit of the Irish subsidiary
4,705
5,451

All other services
62,369
121,822

Page 29

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

7.


Employees

Staff costs, including directors' remuneration, were as follows:


Group
Group
2026
2025
£
£


Wages and salaries
6,270,492
3,520,864

Social security costs
792,313
560,482

Cost of defined contribution scheme
184,087
155,815

7,246,892
4,237,161


The average monthly number of employees, including the directors, during the year was as follows:



Group
Group
Company
Company
      Year ended
      Year ended
        2026
        2025
        2026
        2025
            No.
            No.
            No.
            No.









Staff
152
146
4
4


8.


Directors' remuneration

Year ended
31 January
Period ended
31 January
2026
2025
£
£

Directors' emoluments
361,538
223,466

Group contributions to defined contribution pension schemes
11,617
7,262

373,155
230,728


During the year retirement benefits were accruing to 3 directors (2025 - 3) in respect of defined contribution pension schemes.

The highest paid director received remuneration of £167,800 (2025 - £117,375).

The value of the Group's contributions paid to a defined contribution pension scheme in respect of the highest paid director amounted to £6,450 (2025 - £4,429).

Page 30

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

9.


Interest receivable

Year ended
31 January
Period ended
31 January
2026
2025
£
£


Other interest receivable
2,735
15,920


10.


Interest payable and similar expenses

Year ended
31 January
Period ended
31 January
2026
2025
£
£


Loan interest payable
742,593
542,244

Loan notes interest payable
1,130,200
780,970

1,872,793
1,323,214


11.


Taxation


Year ended
31 January
Period ended
31 January
2026
2025
£
£

Corporation tax


Current tax on profits for the year
(19,093)
41,777

Adjustments in respect of previous periods
-
2,000


(19,093)
43,777


Total current tax
(19,093)
43,777

Deferred tax


Origination and reversal of timing differences
5,256
10,814

Total deferred tax
5,256
10,814


(13,837)
54,591
Page 31

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026
 
11.Taxation (continued)


Factors affecting tax charge for the year/period

The tax assessed for the year/period is higher than (2025 - higher than) the standard rate of corporation tax in the UK of 25% (2025 - 25%). The differences are explained below:

Year ended
31 January
Period ended
31 January
2026
2025
£
£


Loss on ordinary activities before tax
(4,257,743)
(3,677,794)


Loss on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2025 - 25%)
(1,064,436)
(919,449)

Effects of:


Non-tax deductible amortisation of goodwill and impairment
525,383
373,571

Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
140,781
257,176

Capital allowances for year/period in excess of depreciation
(178,457)
(26,152)

Utilisation of tax losses
(9,095)
50,332

Adjustments to tax charge in respect of prior periods
(19,093)
(48,105)

Other timing differences leading to an increase (decrease) in taxation
3,217
10,814

Unrelieved tax losses carried forward
587,863
438,172

Other differences leading to an increase (decrease) in the tax charge
-
(81,444)

Group relief
-
(324)

Total tax charge for the year/period
(13,837)
54,591


Factors that may affect future tax charges

Tax losses arising in the current year have been carried forward in accordance with tax legislation. These losses are available to offset against future taxable profits, which may reduce future tax charges.

Page 32

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

12.


Intangible assets

Group and Company





Website and software development
Domains
Goodwill
Total

£
£
£
£



Cost


At 1 February 2025
213,164
7,500
20,834,997
21,055,661


Additions
692,993
-
-
692,993



At 31 January 2026

906,157
7,500
20,834,997
21,748,654



Amortisation


At 1 February 2025
48,831
-
1,494,185
1,543,016


Charge for the year on owned assets
151,011
-
2,101,530
2,252,541



At 31 January 2026

199,842
-
3,595,715
3,795,557



Net book value



At 31 January 2026
706,315
7,500
17,239,282
17,953,097



At 31 January 2025
164,333
7,500
19,340,812
19,512,645



None of the Group's intangible fixed assets are held in the Parent Company.

Page 33

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

13.


Tangible fixed assets

Group



Plant and machinery
Fixtures and fittings
Office equipment
Total

£
£
£
£



Cost or valuation


At 1 February 2025
3,280
31,639
116,348
151,267


Additions
104
3,100
68,850
72,054



At 31 January 2026

3,384
34,739
185,198
223,321



Depreciation


At 1 February 2025
1,066
6,625
21,303
28,994


Charge for the year on owned assets
1,115
6,866
45,262
53,243



At 31 January 2026

2,181
13,491
66,565
82,237



Net book value



At 31 January 2026
1,203
21,248
118,633
141,084



At 31 January 2025
2,214
25,014
95,045
122,273

Page 34

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

14.


Fixed asset investments


Subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Registered office

Class of shares

Holding

India Midco Limited
UK
Ordinary
100%
India Bidco Limited*
UK
Ordinary
100%
Finders Genealogists Holdings Limited**
UK
Ordinary
100%
Finders Genealogists Limited***
UK
Ordinary
100%
Finders International Probate Genealogists (Ireland) Limited****
Ireland
Ordinary
100%
DSResearchers Limited****
UK
Ordinary
100%
Heir Hunters Association Limited****
UK
Ordinary
100%
Heir Hunters Researchers Limited****
UK
Ordinary
100%

*Indirect subsidiary.

The Company has a 100% investment in the ordinary share capital of India Midco Limited, a company registered in England and Wales. The investment comprises £0.01 ordinary share.

*India Bidco Limited is a wholly owned subsidiary of India Midco Limited.

**Finders Genealogists Holdings Limited is a wholly owned subsidiary of India Bidco Limited.

***Finders Genealogists Limited is a wholly owned subsidiary of Finders Genealogists Holdings Limited.

****Finders International Probate Genealogists (Ireland) Limited, DSResearchers Limited, Heir Hunters Association Limited and Heir Hunters Researchers Limited are wholly owned subsidiaries of Finders
Genealogists Limited.


15.


Debtors

Group
Group
Company
Company
2026
2025
2026
2025
£
£
£
£


Trade debtors
729,668
836,681
-
-

Amounts owed by group undertakings
-
-
7,534
7,374

Other debtors
8,947
65,471
-
-

Prepayments and accrued income
377,130
500,171
2,130
2,500

Amounts recoverable on long-term contracts
240,163
263,537
-
-

1,355,908
1,665,860
9,664
9,874


Page 35

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

16.


Cash and cash equivalents

Group
Group
2026
2025
£
£

Cash at bank and in hand
1,014,221
1,875,172



17.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2026
2025
2026
2025
£
£
£
£

Trade creditors
168,586
387,948
-
-

Amounts owed to group undertakings
-
-
14,516
3,071

Corporation tax
-
966
-
-

Other taxation and social security
610,949
577,101
-
-

Other creditors
4,438,535
755,139
-
-

Accruals and deferred income
418,397
261,770
9,451
8,250

5,636,467
1,982,924
23,967
11,321



18.


Creditors: Amounts falling due after more than one year

Group
Group
2026
2025
£
£

Bank loans
6,700,000
6,000,000

Secured loan notes
16,055,510
14,875,330

Other creditors
-
4,000,000

22,755,510
24,875,330


At the year end, the Group had £16,055,510 of secured loan notes outstanding. The loan notes bear interest at a fixed rate of 8% per annum and are repayable by 2030.

Included within Group creditors is £4,000,000 of deferred consideration in relation to an acquisition. This is payable on 24 May 2026.

Page 36

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

19.


Loans


Analysis of the maturity of loans is given below:


Group
Group
2026
2025
£
£


Amounts falling due 1-2 years

Bank loans
6,700,000
-

Amounts falling due 2-5 years

Bank loans
-
6,000,000

Secured loan notes
16,055,510
14,875,330


22,755,510
20,875,330


The Group's financing facility includes a revolving credit facility of £10,000,000 to cover working capital and liquidity commitments. Interest is charged at the Sonia rate plus 6.5% on the amount drawn. 

Non utilisation fees are charged at 1.90% on amounts undrawn. Amounts of £6,700,000 were drawn at the balance sheet date and is due to be repaid on or before 24 May 2027.


20.


Deferred taxation


Group



2026
2025


£

£






At beginning of year
30,015
-


Charged to profit or loss
5,256
10,814


Arising on business combinations
-
19,201



At end of year
35,271
30,015

Company


The provision for deferred taxation is made up as follows:

Group
Group
2026
2025
£
£

Accelerated capital allowances
35,271
30,015

Page 37

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026

21.


Share capital

2026
2025
£
£
Allotted, called up and fully paid



707,500 (2025 - 705,000) Ordinary shares of £0.01 each
7,075
7,050
93,838 (2025 - 80,373) Ordinary A shares of £0.01 each
938
804
20,000 (2025 - 20,000) Preference shares of £0.01 each
200
200

8,213

8,054


During the year, 13,465 Ordinary shares at £0.01, and 2,500 Ordinary A shares at £0.01 were issued.


22.


Reserves

Foreign exchange reserve

The foreign exchange reserve consists of cumulative foreign exchange movements on retranslation of the foreign subsidiary's results.

Profit and loss account

The Profit and Loss account consists of distributable reserves and non-distributable reserves. The distributable reserves represent cumulative historical profits and losses net of dividends and the repayment of capital. 

Page 38

 
INDIA TOPCO LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 JANUARY 2026


23.


Pension commitments

The Group operates a defined contribution pension scheme. The assets of the scheme are held separately from those of the Group in an independently administered fund. The pension cost charge represents contributions payable by the Group to the fund and amounted to £184,088 (2025 - £155,815). Contributions totalling £32,051 (2025 - £27,361) were payable to the fund at the balance sheet date and are included in creditors.


24.


Commitments under operating leases

At 31 January 2026 the Group had future minimum lease payments due under non-cancellable operating leases for each of the following periods:


Group
Group
2026
2025
£
£

Not later than 1 year
234,505
248,319

Later than 1 year and not later than 5 years
87,179
304,878

321,684
553,197

The Company has no operating leases. 


25.


Related party transactions

The Company has taken advantage of the exemption, under FRS 102 paragraph 1.12 and paragraph 33.1A from disclosing transactions with key management and from disclosing other related party transactions as they are with other companies that are wholly owned within the group. 

During the year, the Group made purchases of £290,772 
(2025 - £192,961) from a company with common directors and members. There were no amounts outstanding at the year end (2025 - £Nil).


26.


Controlling party

88.3% of India Topco Limited's share capital is legally owned by Project Iguazu Nominees Limited. Project Iguazu Nominees Limited is a non trading nominee entity that holds shares on trust for underlying investors. Pelican Capital LLP is considered to be the ultimate controlling party by virtue of its contractual relationships with Project Iguazu Nominees Limited and the underlying investors.
 
Page 39