| Certain Bridge Limited |
| Registered number: |
10898368 |
| Balance Sheet |
| as at 31 October 2025 |
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| Notes |
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2025 |
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2024 |
| £ |
£ |
| Fixed assets |
| Intangible assets |
3 |
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107,500 |
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110,000 |
| Tangible assets |
4 |
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17,705 |
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23,606 |
| Investments |
5 |
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3,810,760 |
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60,760 |
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3,935,965 |
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194,366 |
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| Current assets |
| Debtors |
6 |
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8,369,659 |
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11,241,736 |
| Cash at bank and in hand |
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2,192,809 |
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1,821,603 |
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10,562,468 |
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13,063,339 |
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| Creditors: amounts falling due within one year |
7 |
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(3,381,799) |
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(2,691,136) |
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| Net current assets |
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7,180,669 |
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10,372,203 |
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| Total assets less current liabilities |
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11,116,634 |
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10,566,569 |
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| Creditors: amounts falling due after more than one year |
8 |
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(6,756,075) |
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(7,519,007) |
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| Net assets |
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4,360,559 |
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3,047,562 |
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| Capital and reserves |
| Called up share capital |
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100 |
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100 |
| Revaluation reserve |
9 |
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2,075,000 |
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185,000 |
| Profit and loss account |
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2,285,459 |
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2,862,462 |
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| Shareholders' funds |
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4,360,559 |
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3,047,562 |
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| The directors are satisfied that the company is entitled to exemption from the requirement to obtain an audit under section 477 of the Companies Act 2006. |
| The members have not required the company to obtain an audit in accordance with section 476 of the Act. |
| The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts. |
| The accounts have been prepared and delivered in accordance with the special provisions applicable to companies subject to the small companies regime. The profit and loss account has not been delivered to the Registrar of Companies. |
|
| G Hall |
| Director |
| Approved by the board on 20 July 2026 |
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| Certain Bridge Limited |
| Notes to the Accounts |
| for the period from 1 May 2024 to 31 October 2025 |
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| 1 |
Accounting policies |
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Basis of preparation |
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The accounts have been prepared under the historical cost convention and in accordance with FRS 102, The Financial Reporting Standard applicable in the UK and Republic of Ireland (as applied to small entities by section 1A of the standard). |
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Turnover |
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Turnover is measured at the fair value of the consideration received or receivable, net of discounts and value added taxes. Turnover includes revenue earned from the sale of goods and from the rendering of services. Turnover from the sale of goods is recognised when the significant risks and rewards of ownership of the goods have transferred to the buyer. Turnover from the rendering of services is recognised by reference to the stage of completion of the contract. The stage of completion of a contract is measured by comparing the costs incurred for work performed to date to the total estimated contract costs. |
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Intangible fixed assets |
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Intangible fixed assets are measured at cost less accumulative amortisation and any accumulative impairment losses. |
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Tangible fixed assets |
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Tangible fixed assets are measured at cost less accumulative depreciation and any accumulative impairment losses. Depreciation is provided on all tangible fixed assets, other than freehold land, at rates calculated to write off the cost, less estimated residual value, of each asset evenly over its expected useful life, as follows: |
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Plant and machinery |
25% reducing balance |
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Computer software |
25% reducing balance |
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Taxation |
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A current tax liability is recognised for the tax payable on the taxable profit of the current and past periods. A current tax asset is recognised in respect of a tax loss that can be carried back to recover tax paid in a previous period. Deferred tax is recognised in respect of all timing differences between the recognition of income and expenses in the financial statements and their inclusion in tax assessments. Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits. 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, except for revalued land and investment property where the tax rate that applies to the sale of the asset is used. Current and deferred tax assets and liabilities are not discounted. |
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Strategy |
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These Financial Statements are for an extended eighteen-month period to reflect the following:
As part of the company’s ongoing growth strategy plan, the company did, during the period ending 31st October 2025, purchase 100% of the share capital of Risehart Ltd. Risehart is a similar Bridging lender but serves slightly different Bridge borrowers. Risehart has its own unique propriety automated indicative Bridge Loan terms systems which reduces 2-4 hours of manual indicative Loan generation time to just 8 -10 minutes. This propriety technology is being incrementally introduced into Certain Bridge. Likewise, some of Certain Bridges cutting edge document suites are being integrated into Risehart. Certain Bridge paid circa £1.86M for the share capital of Risehart. Risehart generated £1.7 M in Gross profit in just eleven months following acquisition. There will be some further integration and alignment work but little to negligible further costings.
The Directors are entirely satisfied with the Risehart acquisition. |
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Going concern |
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The Financial Statements have been prepared on a going concern basis. The Directors consider that a Going Concern basis is appropriate.
This opinion is based on the fact that the company is consistently generating secured profits, has net current assets and is able to pay all of its liabilities as and when they become due and will be able to do so for the for the foreseeable future. |
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| 2 |
Employees |
2025 |
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2024 |
| Number |
Number |
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Average number of persons employed by the company |
2 |
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2 |
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| 3 |
Intangible fixed assets |
£ |
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Goodwill: |
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Cost |
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At 1 May 2024 |
125,000 |
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At 31 October 2025 |
125,000 |
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Amortisation |
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At 1 May 2024 |
15,000 |
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Provided during the period |
2,500 |
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At 31 October 2025 |
17,500 |
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Net book value |
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At 31 October 2025 |
107,500 |
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At 30 April 2024 |
110,000 |
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Goodwill is being written off in equal annual instalments over its estimated economic life of 20 years. |
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| 4 |
Tangible fixed assets |
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Plant and machinery etc |
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Computer software |
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Total |
| £ |
£ |
£ |
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Cost |
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At 1 May 2024 |
48,200 |
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24,400 |
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72,600 |
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At 31 October 2025 |
48,200 |
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24,400 |
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72,600 |
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Depreciation |
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At 1 May 2024 |
34,888 |
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14,106 |
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48,994 |
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Charge for the period |
3,328 |
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2,573 |
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5,901 |
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At 31 October 2025 |
38,216 |
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16,679 |
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54,895 |
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Net book value |
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At 31 October 2025 |
9,984 |
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7,721 |
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17,705 |
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At 30 April 2024 |
13,312 |
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10,294 |
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23,606 |
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| 5 |
Investments |
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| Other |
| investments |
| £ |
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Cost |
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At 1 May 2024 |
60,760 |
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Additions |
3,750,000 |
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At 31 October 2025 |
3,810,760 |
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| 6 |
Debtors |
2025 |
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2024 |
| £ |
£ |
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Loans to subsidiaries |
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86,000 |
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224,000 |
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Other debtors |
8,283,659 |
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11,017,736 |
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8,369,659 |
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11,241,736 |
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| 7 |
Creditors: amounts falling due within one year |
2025 |
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2024 |
| £ |
£ |
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Corporation tax |
- |
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325,959 |
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Directors loan |
460,000 |
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- |
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Accruals |
4,800 |
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4,800 |
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Other financing loans |
2,909,775 |
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2,353,417 |
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Bounce back loan |
7,224 |
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6,960 |
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3,381,799 |
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2,691,136 |
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| 8 |
Creditors: amounts falling due after one year |
2025 |
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2024 |
| £ |
£ |
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Bounce back bank loan |
21,214 |
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24,704 |
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Other financing loans |
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6,734,861 |
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7,494,303 |
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6,756,075 |
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7,519,007 |
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| 9 |
Revaluation reserve |
2025 |
|
2024 |
| £ |
£ |
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At 1 May 2024 |
185,000 |
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185,000 |
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Gain on revaluation |
1,890,000 |
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- |
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At 31 October 2025 |
2,075,000 |
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185,000 |
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| 10 |
Other information |
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Certain Bridge Limited is a private company limited by shares and incorporated in England. Its registered office is: |
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Wright House |
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67 High Street |
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Tarporley |
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Cheshire |
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CW6 0DP |