REGISTERED NUMBER: 08286869 (England and Wales)

Unaudited Financial Statements

for the Year Ended 31 March 2026

for

Bamford Wealth Management Limited

Page

Balance Sheet

1

Notes to the Financial Statements

3

FIXED ASSETS

Property, plant and equipment

4

26,771

37,860

Investments

5

94,453

-

121,224

37,860

CURRENT ASSETS

Debtors

6

61,214

70,576

Cash at bank

81,492

195,823

142,706

266,399

CREDITORS

Amounts falling due within one year

7

106,047

104,753

NET CURRENT ASSETS

36,659

161,646

TOTAL ASSETS LESS CURRENT LIABILITIES

157,883

199,506

CREDITORS

Amounts falling due after more than one year

8

(9,259

)

(41,968

)

PROVISIONS FOR LIABILITIES

(7,685

)

(6,302

)

NET ASSETS

140,939

151,236

CAPITAL AND RESERVES

Called up share capital

9

1,001

1,001

Retained earnings

139,938

150,235

SHAREHOLDERS' FUNDS

140,939

151,236

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 March 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 March 2026 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges his responsibilities for:

(a)	ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b)

preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

The financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

In accordance with Section 444 of the Companies Act 2006, the Statement of Income and Retained Earnings has not been delivered.

The financial statements were approved by the director and authorised for issue on 6 August 2026 and were signed by:

B O Bamford - Director

1.	STATUTORY INFORMATION

Bamford Wealth Management Limited is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address are as below:

Registered number:

08286869

Registered office:

Troyte House

Enigma Commercial Centre

Sandys Road

Malvern

Worcestershire

WR14 1JJ

The presentation currency of the financial statements is the Pound Sterling (£).

2.	ACCOUNTING POLICIES

Basis of preparing the financial statements

These financial statements have been prepared in accordance with FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" ("FRS 102") and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime. The disclosure requirements of section 1A of FRS 102 have been applied other than where additional disclosure is required to show a true and fair view.

The financial statements have been prepared under the historical cost convention, modified to include the revaluation of investments and certain financial instruments at fair value. The principal accounting policies adopted are set out below.

Turnover

Turnover represents the fair value of services provided under contracts with customers to the extent that there is a right to consideration. It is measured at the fair value of the consideration due. Where a service is incomplete at the year end, turnover represents the value of the service provided to that date based on an appropriate proportion of the total expected consideration at completion.

Invoices are not raised until a contract is complete so the value of incomplete services in included as amounts recoverable on contracts in the balance sheet.

Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Motor vehicles - 25% on reducing balance

Computer equipment - 25% on cost

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 .

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 debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method 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. Financial assets classified as receivable within one year are not amortised.

Classification of 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 deducting all of its liabilities.

Basic financial liabilities

Basic financial liabilities, including creditors, bank loans, loans from fellow group companies and preference shares that are classified as debt, are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payment ts discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

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

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

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and Retained Earnings, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the balance sheet date.

Deferred tax

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

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

Hire purchase and leasing commitments

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

Pension costs and other post-retirement benefits

The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

Fixed asset investments

Investments are recognised initially at fair value which is normally the transaction price excluding transaction costs. Subsequently, they are measured at fair value through profit or loss if the shares are publicly traded or their fair value can otherwise be measured reliably. Other investments are measured at cost less impairment.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 3 (2025 - 3 ) .

4.	PROPERTY, PLANT AND EQUIPMENT

Motor

Computer

vehicles

equipment

Totals

£

£

£

Cost

At 1 April 2025

44,183

55,849

100,032

Additions

-

2,937

2,937

At 31 March 2026

44,183

58,786

102,969

Depreciation

At 1 April 2025

23,138

39,034

62,172

Charge for year

5,261

8,765

14,026

At 31 March 2026

28,399

47,799

76,198

Net book value

At 31 March 2026

15,784

10,987

26,771

At 31 March 2025

21,045

16,815

37,860

5.	FIXED ASSET INVESTMENTS

Other

investments

£

Cost or valuation

Additions

84,000

Revaluations

10,397

Dividends received

56

At 31 March 2026

94,453

Net book value

At 31 March 2026

94,453

Cost or valuation at 31 March 2026 is represented by:

Other

investments

£

Valuation in 2026

94,453

Fixed asset investments are held at market value at the reporting date, based on a broker valuation

schedule.

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

£

Amounts owed by group undertakings

53,520

62,628

Other debtors

7,694

7,948

61,214

70,576

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

£

Bank loans and overdrafts

4,519

12,141

Hire purchase contracts and finance leases

24,857

11,534

Amounts owed to group undertakings

122

-

Taxation and social security

70,248

76,292

Other creditors

6,301

4,786

106,047

104,753

Hire purchase assets are secured on the underlying assets.

8.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2026

2025

£

£

Bank loans

9,259

13,778

Hire purchase contracts and finance leases

-

24,857

Other creditors

-

3,333

9,259

41,968

Amounts falling due in more than five years:

Repayable by instalments

Bank loans more 5 yr by instal

-

2,481

Hire purchase assets are secured on the underlying assets.

9.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

2026

2025

value:

£

£

500

Ordinary A

£1

500

500

500

Ordinary B

£1

500

500

1

Ordinary C

£1

1

1

1,001

1,001

10.	FINANCIAL COMMITMENTS

The total value of financial commitments, guarantees and contingencies that are not included in the balance sheet amounts to £4,889 (2025: £6,984).