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Registered number:  03168371














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


 
EQUITA LIMITED
 
 
COMPANY INFORMATION


Directors
Paula Mary Jacobs 
Simon Andrew Jacobs 




Registered number
03168371



Registered office
6 Europa Boulevard

Birkenhead

United Kingdom

CH41 4PE




Independent auditors
Langtons Professional Services Limited
Chartered Accountants & Statutory Auditors

The Plaza

100 Old Hall Street

Liverpool

United Kingdom

L3 9QJ





 
EQUITA LIMITED
 

CONTENTS



Page
Strategic report
1 - 2
Directors' report
3 - 4
Independent auditors' report
5 - 8
Statement of comprehensive income
9
Balance sheet
10 - 11
Statement of changes in equity
12
Notes to the financial statements
13 - 29


 
EQUITA LIMITED
 
 
STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025

Introduction
 
The Directors present their Strategic Report for Equita Limited for the year ended 31 December 2025. The report provides a review of the Company’s performance, position and principal risks, together with key financial and non-financial performance indicators.
 

Business review
 
Equita Limited ("the Company") is a wholly owned subsidiary, at the balance sheet date, of Colx Limited. 

The principal activity of the Company continued to be that of the provision of specialised financial and business services to selected professional markets including local authorities, the legal profession and commercial property owners and managers. Such services include debt recovery, certificated enforcement agents services and process services. There have not been any significant changes in the Company's principal activities in the year under review. The Directors are not aware, at the date of this report, of any likely major changes in the Company's activities in the next year.  

As shown in the Company's statement of comprehensive income on page 9, revenue has increased slightly from £16,944,271 in 2024 to £17,451,011 and the performance has increased from an operating profit of £156,195 to £3,238,780 over the same period. The increase relates to material cost of severance pay in 2024, and the associated reduction of indirect and overhead staff costs throughout 2025. 

The balance sheet on page 10 of the financial statements shows the Company's financial position at the year end. Net assets have increased in the year from £4,635,968 in 2024 to £7,224,652. This is primarily due to an increase in recharging across the group resulting in a large intercompany debtor balance at year end.  

Principal risks and uncertainties
 
The Company is subject to various risks and uncertainties during the ordinary course of its business many of which result from factors outside of its control. The Company's risk management framework provides reasonable (but cannot provide absolute assurance) that significant risks are identified and addressed. An active risk management process identifies, assesses, mitigates and reports on strategic, financial, operational and compliance risk.  

The principal themes of risk for the Company are:  
• Strategic: changes in economic and market conditions such as contract pricing and competition.  
• Financial: significant failures in internal systems of control and lack of corporate stability.  
• Operational: including recruitment and retention of staff, maintenance of reputation and strong supplier and customer relationships, operational IT risk, and failures in information security controls.  
• Compliance: non-compliance with laws and regulations. The Company must comply with an extensive range of requirements that govern its business.  


To mitigate the effect of these risks and uncertainties, the Company adopts a number of systems and procedures, including:  
• Regularly reviewing trading conditions to be able to respond quickly to changes in market conditions.  
• Applying procedures and controls to manage compliance, financial and operational risks, including adhering to an internal control framework.  

Page 1

 
EQUITA LIMITED
 

STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

Financial key performance indicators
 
Key financial performance indicators used by the company are profit after tax and operating margins. 

KPI                                               2025              2024
Profit after tax (£)                        £2,588,684         £174,246
Operating Margin (%)                     18.8                     0.9
 


This report was approved by the board on 24 July 2026 and signed on its behalf.



Simon Andrew Jacobs
Director

Page 2

 
EQUITA LIMITED
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025

The directors present their report and the financial statements for the year ended 31 December 2025.

Directors' responsibilities statement

The directors are responsible for preparing the Strategic report, the Directors' report and the 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 101 ‘Reduced Disclosure Framework’. 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 of the profit or loss of the Company for that period.

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


select suitable accounting policies and then apply them consistently;

make judgements 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 Company 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 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 hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Results and dividends

The profit for the year, after taxation, amounted to £2,588,684 (2024 - £174,246).

No dividends were paid in the year (2024 - nil). The directors propose no dividends for the year ending 31 December 2025.

Directors

The directors who served during the year were:

Paula Mary Jacobs 
Simon Andrew Jacobs 

Political contributions

The Company made no political donations and incurred no political expenditure during the year (2024: £nil).

Future developments

The company has continued to invest in research and development activities, proportionate to the size and nature of its operations, to support the future development of the Group.

Page 3

 
EQUITA LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

Qualifying third-party indemnity provisions

During the year and up to the date of approval of the financial statements, the Company maintained qualifying third-party indemnity provisions for the benefit of its Directors, as permitted by the Companies Act 2006. These provisions were in force throughout the financial year and remain in place at the date of this report.

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 director is aware, there is no relevant audit information of which the Company's auditors are unaware, and

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

Post balance sheet events

In March 2026, following the year end, the Company (as part of the wider ColX Group) completed the disposal of an office property that had been previously vacated and was no longer required for operational purposes. 

At the balance sheet date, the property was being actively marketed and has therefore been classified as an asset held for sale in the financial statements.

The disposal is treated as a non-adjusting post balance sheet event under FRS 101. Accordingly, no adjustment for the disposal has been made to the results for the year ended 31 December 2025. The financial impact of the disposal will be recognised in the year ending 31 December 2026. 

Auditors

The auditorsLangtons Professional Services Limitedwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board on 24 July 2026 and signed on its behalf.
 





Simon Andrew Jacobs
Director

Page 4

 
EQUITA LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF EQUITA LIMITED
 

Opinion


We have audited the financial statements of Equita Limited (the 'Company') for the year ended 31 December 2025, which comprise the Statement of comprehensive income, the Balance sheet, the Statement of changes in equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 101 ‘Reduced Disclosure Framework’ (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the Company's affairs as at 31 December 2025 and of its profit 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 Company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the 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 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 5

 
EQUITA LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF EQUITA 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 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 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 Company and its environment obtained in the course of the audit, we have not identified material misstatements in the 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, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of 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 3, 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 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 Company or to cease operations, or have no realistic alternative but to do so.


Page 6

 
EQUITA LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF EQUITA 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 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:

Explanation as to what extent the audit was considered capable of detecting irregularities, including fraud

The objectives of our audit, in respect to fraud, are: 

• to identify and assess the risks of material misstatement of the financial statements due to fraud; 
• to obtain sufficient appropriate audit evidence regarding the assessed risks of material misstatement due
 to fraud, through designing and implementing appropriate responses; and 
• to respond appropriately to fraud or suspected fraud identified during the audit. 

However, the primary responsibility for the prevention and detection of fraud rests with both those charged with governance of the entity and management. 

Our approach was as follows: 

We obtained an understanding of the legal and regulatory frameworks that are applicable to the Company and determined that the most significant are those that relate to the reporting framework (FRS 101 and the Companies Act 2006), the relevant tax compliance regulations in the UK and the EU General Data Protection Regulation (GDPR). 

We understood how the Company is complying with those frameworks by making enquiries of management. 

Through consideration of the results of our audit procedures we were able to either corroborate or provide contrary evidence which was then followed up.

Based on our understanding we designed our audit procedures to identify non-compliance with laws and regulations. Our procedures involved: 

• enquiries of management; and 
• journal entry testing, with a focus on journals indicating large or unusual transactions based on our
  understanding of the business. 

We assessed the susceptibility of the Company’s financial statements to material misstatement, including how fraud might occur by meeting with management to understand where it considered there was susceptibility to fraud. We also considered performance targets and their propensity to influence efforts made by management to manage revenue and earnings. Where the risk was considered to be higher, including areas impacting key performance indicators or management remuneration, we performed audit procedures to address each identified fraud risk or other risk of material misstatement. These procedures included those on revenue recognition detailed above, the assessment of items identified by management as non-recurring and testing manual journals and were designed to provide reasonable assurance that the financial statements were free from material fraud or error.
Page 7

 
EQUITA LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF EQUITA 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.





Stephen Talbot (Senior statutory auditor)
  
for and on behalf of
Langtons Professional Services Limited
 
Chartered Accountants
Statutory Auditors
  
The Plaza
100 Old Hall Street
Liverpool
United Kingdom
L3 9QJ

24 July 2026
Page 8

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

2025
2024
Note
£
£

  

Turnover
 4 
17,451,011
16,944,271

Cost of sales
  
(10,794,383)
(11,726,817)

Gross profit
  
6,656,628
5,217,454

Administrative expenses
  
(3,417,848)
(5,061,259)

Operating profit
 5 
3,238,780
156,195

Interest receivable and similar income
 9 
60,706
120,551

Interest payable and similar expenses
 10 
(4,759)
(300)

Profit before tax
  
3,294,727
276,446

Tax on profit
 11 
(706,043)
(102,200)

Profit for the financial year
  
2,588,684
174,246

There were no recognised gains and losses for 2025 or 2024 other than those included in the statement of comprehensive income.

There was no other comprehensive income for 2025 (2024:£NIL).

The notes on pages 13 to 29 form part of these financial statements.

Page 9

 
EQUITA LIMITED
REGISTERED NUMBER: 03168371

BALANCE SHEET
AS AT 31 DECEMBER 2025

2025
2024
Note
£
£

Intangible assets
  

Goodwill
  
2,659,832
2,659,833

  
2,659,832
2,659,833

Tangible assets
  

Tangible assets
 13 
256,181
626,894

Investments
 14 
2
2

  
2,916,015
3,286,729

Current assets
  

Fixed assets held for sale
  
253,484
-

Debtors
 15 
4,855,586
5,529,566

Cash at bank and in hand
 16 
1,186,022
1,859,974

  
6,295,092
7,389,540

Creditors: amounts falling due within one year
 17 
(1,986,454)
(6,040,301)

Net current assets
  
 
 
4,308,637
 
 
1,349,239

Total assets less current liabilities
  
7,224,652
4,635,968

  

  

  

Net assets
  
7,224,652
4,635,968


Capital and reserves
  

Called up share capital 
 20 
1
1

Capital redemption reserve
 21 
300,190
300,190

Profit and loss account
 21 
6,924,461
4,335,777

  
7,224,652
4,635,968


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 24 July 2026.




Simon Andrew Jacobs
Director

The notes on pages 13 to 29 form part of these financial statements.
Page 10

 
EQUITA LIMITED
REGISTERED NUMBER: 03168371
    
BALANCE SHEET (CONTINUED)
AS AT 31 DECEMBER 2025


Page 11

 
EQUITA LIMITED
 

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


Called up share capital
Capital redemption reserve
Profit and loss account
Total equity

£
£
£
£


At 1 January 2024
1
300,190
4,161,531
4,461,722


Comprehensive income for the year

Profit for the year
-
-
174,246
174,246
Total comprehensive income for the year
-
-
174,246
174,246


Total transactions with owners
-
-
-
-



At 1 January 2025
1
300,190
4,335,777
4,635,968


Comprehensive income for the year

Profit for the year
-
-
2,588,684
2,588,684
Total comprehensive income for the year
-
-
2,588,684
2,588,684


Total transactions with owners
-
-
-
-


At 31 December 2025
1
300,190
6,924,461
7,224,652


The notes on pages 13 to 29 form part of these financial statements.

Page 12

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

1.


General information

Equita Limited is a private company limited by shares, which is incorporated under the Companies Act 2006 and registered in England (No. 03168371). The registered office address is 6 Europa Boulevard, Birkenhead, Wirral, CH41 4PE.

These financial statements present the results of Equita Limited as an individual entity. It is a subsidiary of Colx Limited. The principal activity of the company is the provision of debt collection and resolution services.

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 101 'Reduced Disclosure Framework'  and the Companies Act 2006.

The preparation of financial statements in compliance with FRS 101 requires the use of certain critical accounting estimates. It also requires management to exercise judgement in applying the Company's accounting policies (see note 3).

The financial statements are rounded to the nearest pound.

The following principal accounting policies have been applied:

 
2.2

Financial Reporting Standard 101 - reduced disclosure exemptions

The Company has taken advantage of the following disclosure exemptions under FRS 101:
the requirements of paragraphs 62, B64(d), B64(e), B64(g), B64(h), B64(j) to B64(m), B64(n)(ii), B64(o)(ii), B64(p), B64(q)(ii), B66 and B67 of IFRS 3 Business Combinations
the requirements of IFRS 7 Financial Instruments: Disclosures
the requirements of paragraphs 91-99 of IFRS 13 Fair Value Measurement
the requirements of the second sentence of paragraph 110 and paragraphs 113(a), 114, 115, 118, 119(a) to (c), 120 to 127 and 129 of IFRS 15 Revenue from Contracts with Customers
the requirement in paragraph 38 of IAS 1 'Presentation of Financial Statements' to present comparative information in respect of:
 - paragraph 73(e) of IAS 16 Property, Plant and Equipment;
 - paragraph 118(e) of IAS 38 Intangible Assets;
the requirements of IAS 7 Statement of Cash Flows
the requirements of paragraph 17 and 18A of IAS 24 Related Party Disclosures
the requirements of paragraphs 130(f)(ii), 130(f)(iii), 134(d)-134(f) and 135(c)-135(e) of IAS 36 Impairment of Assets.

This information is included in the consolidated financial statements of Colx Limited as at 31st December 2025 and these financial statements may be obtained from Companies House, Cardiff, CF14 3UZ..

Page 13

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

2.Accounting policies (continued)

 
2.3

Exemption from preparing consolidated financial statements

The Company is a parent company that is also a subsidiary included in the consolidated financial statements of a larger group by a parent undertaking established under the law of any part of the United Kingdom and is therefore exempt from the requirement to prepare consolidated financial statements under section 400 of the Companies Act 2006.

 
2.4

Going concern

In determining the appropriate basis of preparation for the annual report and financial statements for the period ended 31 December 2025, the Company's Directors ("the Directors") are required to consider whether the Company can continue in operational existence for the foreseeable future, being a period of at least 12 months following the approval of these financial statements.

Board assessment
Accounting standards require that 'the foreseeable future' for going concern assessment covers a period of at least twelve months from the date of approval of these financial statements, although those standards do not specify how far beyond twelve months the Directors should consider. In its going concern assessment, the Directors have considered the period from the date of approval of these financial statements to 30 September 2027  ('the going concern period').

The financial forecasts used for the going concern assessment are derived from financial projections for 2026 which run to September 2027 for the Company which have been subject to review and challenge by management and Directors. The Directors have approved the projections. The Directors have taken into account any uncertainties in revenue, known increases in cost bases and applied these to the forecasts prepared. The forecasts prepared by the Directors show that the Company has the ability to continue to operate with the funding facilities available to it for a period of at least 12 months from signing of these financial statements. The Directors therefore consider it appropriate for the financial statements to be prepared on a going concern basis.

Page 14

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

2.Accounting policies (continued)

 
2.5

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 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'.

  
2.6

Revenue Recognition

Revenue is earned within the United Kingdom and is recognised when the performance obligation in
the contract has been performed.

Transactional (Point in time) contracts
The Company delivers specialist debt recovery and enforcement services that are transactional
services for which revenue is recognised at the point in time when either a debt is recovered and
remitted to the customer or the enforcement services are delivered

  
2.7

Leases

The Company has elected not to recognise right of use assets and lease liabilities for leases of low
value assets and short term leases. The Company recognises the lease payments associated with
these leases as an expense at the balance sheet date.

 
2.8

Interest income

Interest income is recognised in profit or loss using the effective interest method.

 
2.9

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

Page 15

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

2.Accounting policies (continued)

 
2.10

Pensions

Defined contribution pension plan

The Company operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Company pays fixed contributions into a separate entity. Once the contributions have been paid the Company 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 Company in independently administered funds.

 
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 operates and generates income.

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

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


Page 16

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

2.Accounting policies (continued)

 
2.12

Goodwill

Goodwill represents the excess of the cost of a business combination over the total acquisition date fair value of the identifiable assets, liabilities and contingent liabilities acquired.

Cost comprises the fair value of assets given, liabilities assumed and equity instruments issued.

When a business combination agreement provides for an adjustment to the cost of the combination which is contingent on future events, the company includes the estimated amount of that adjustment in the cost of the combination at the acquisition date if the adjustment is probable and can be measured reliably. However, if the potential adjustment is not recognised at the acquisition date but subsequently becomes probable and can be measured reliably, the additional consideration shall be treated as an adjustment to the cost of the combination. Changes in the estimated value of contingent consideration arising on business combinations completed as a consequence result in a change in the carrying value of the related goodwill.

Goodwill is capitalised as an intangible asset and is not amortised. Instead it is reviewed annually for impairment with any impairment in carrying value being charged to profit or loss. The Companies Act 2006 requires acquired goodwill to be reduced by provisions for depreciation calculated to write off the amount systematically over a period chosen by the directors, not exceeding its useful economic life. It has been deemed, however, the non-amortisation of goodwill is a departure, for the overriding purpose of giving a true and fair view. The effect of this departure has not been quantified because it is impracticable and, in the opinion of the directors, would be misleading.

 
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 provided on the following basis:

Freehold property
-
2 - 4%
Long-term leasehold property
-
Over the lease term
Office equipment
-
2 - 5 years
Computer equipment
-
2 - 5 years

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. 

Page 17

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

2.Accounting policies (continued)

  
2.14

Assets held for sale

Assets are classified as held for sale where their carrying amount will be recovered principally through sale rather than through continuing use.

This condition is regarded as met when the asset is available for immediate sale in its present condition and the sale is highly probable.

Assets classified as held for sale are measured at the lower of their carrying amount and fair value less costs to sell and are not depreciated.

 
2.15

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

 
2.16

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 using the effective interest method, less any impairment.

 
2.17

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.

 
2.18

Creditors

Creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers.

Creditors are recognised initially at fair value and subsequently measured at amortised cost using the effective interest method.

  
2.19

Dividends

Equity dividends are recognised when they become legally payable. Interim equity dividends are
recognised when paid. Final equity dividends are recognised when approved by the shareholders at
an annual general meeting.

  
2.20

Client Accounts

In accordance with the rules established by the Financial Conduct Authority the company holds all
client funds in segregated statutory trust client bank accounts. These client bank accounts comprise
of cash collected on behalf of clients and the Company does not have any rights over these
balances.

Page 18

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

3.


Judgements in applying accounting policies and key sources of estimation uncertainty

The preparation of financial statements in accordance with generally accepted accounting principles requires the directors to make judgements and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingencies at the date of the financial statements and the reported income and expense during the presented periods. Although these judgements and assumptions are based on the directors' best knowledge of the amount, events or actions, actual results may differ.

There are no critical judgements or key sources of estimation uncertainty. 


4.


Turnover

The whole of the turnover is attributable to the provision of specialised financial and business services.

All turnover arose within the United Kingdom.


5.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Depreciation of tangible fixed assets
151,250
79,032

Expenses relating to short-term leases
14,873
23,820

Exchange differences
18
279

Defined contribution pension cost
118,191
157,166


6.


Auditors' remuneration

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


2025
2024
£
£

Fees payable to the Company's auditors for the audit of the Company's financial statements
32,800
31,845

The Company has taken advantage of the exemption not to disclose amounts paid for non-audit services as these are disclosed in the consolidated accounts of the parent Company.

Page 19

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

7.


Employees

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


2025
2024
£
£

Wages and salaries
5,985,810
5,693,109

Social security costs
725,232
572,926

Cost of defined contribution scheme
118,191
157,166

6,829,233
6,423,201


Staff costs for the year ending 31 December 2025 include amounts recharged from other group entities in respect of personnel who are not directly employed by the Company.
The average monthly number of employees represents only individuals directly contracted by the Company.

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


        2025
        2024
            No.
            No.







Sales
4
5



Administration
21
35



Operations
90
125

115
165


8.


Directors' remuneration

2025
2024
£
£

Directors' emoluments
393,260
263,246

Company contributions to defined contribution pension schemes
-
6,643

Compensation for loss of office
-
101,250

393,260
371,139


The highest paid director received remuneration of £199,819 (2024 - £171,989).

The value of the Company's contributions paid to a defined contribution pension scheme in respect of the highest paid director amounted to £NIL (2024 - £4,813).

The highest paid director received compensation for loss of office of nil (2024 - £68,750).

Page 20

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

9.


Interest receivable

2025
2024
£
£


Other interest receivable
60,706
120,551

60,706
120,551


10.


Interest payable and similar expenses

2025
2024
£
£


Bank interest payable
-
300

Other interest payable
4,759
-

4,759
300


11.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
624,128
-

Adjustments in respect of previous periods
(152,891)
-


Group taxation relief
187,584
34,495


Total current tax
658,821
34,495

Deferred tax


Origination and reversal of timing differences
47,222
67,705

Total deferred tax
47,222
67,705


Total tax charge for the year
706,043
102,200
Page 21

 
EQUITA LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
 
11.Taxation (continued)


Factors affecting tax charge for the year

The tax assessed for the year is lower than (2024 - higher than) the standard rate of corporation tax in the UK of 25% (2024 - 25%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
3,294,727
276,446


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 25%)
823,682
69,112

Effects of:


Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
21,134
20,704

Fixed asset differences
2,595
12,383

Adjustments in respect of deferred income tax of prior periods
11,523
-

Adjustments to tax charge in respect of prior periods
(152,891)
-

Group relief surrendered/(claimed)
(187,584)
(34,494)

Payment/(receipt) for group relief
187,584
34,495

Total tax charge for the year
706,043
102,200


Factors that may affect future tax charges

There were no factors that may affect future tax charges. 

Page 22

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

12.


Goodwill





2025

£



Cost


At 1 January 2025
8,866,115



At 31 December 2025

8,866,115



Amortisation


At 1 January 2025
6,206,283



At 31 December 2025

6,206,283



Net book value



At 31 December 2025
2,659,832



At 31 December 2024
2,659,833


Page 23

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

13.


Tangible fixed assets


Freehold property
Long-term leasehold property
Office equipment
Computer equipment
Total

£
£
£
£
£



Cost or valuation


At 1 January 2025
121,990
559,221
28,910
413,701
1,123,822


Additions
-
-
-
34,020
34,020


Reclassified to held for sale
(121,990)
(559,221)
-
-
(681,211)



At 31 December 2025

-
-
28,910
447,721
476,631



Depreciation


At 1 January 2025
-
417,346
26,501
53,081
496,928


Charge for the year on owned assets
-
10,381
2,409
138,459
151,249


Reclassified to held for sale
-
(427,727)
-
-
(427,727)



At 31 December 2025

-
-
28,910
191,540
220,450



Net book value



At 31 December 2025
-
-
-
256,181
256,181



At 31 December 2024
121,990
141,875
2,409
360,620
626,894




The net book value of land and buildings may be further analysed as follows:


2025
2024
£
£

Freehold
-
121,990

Long leasehold
-
141,875

-
263,865


Page 24

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

14.


Fixed asset investments





Investments in subsidiary companies

£



Cost or valuation


At 1 January 2025
2



At 31 December 2025
2





Subsidiary undertaking


The following was a subsidiary undertaking of the Company:

Name

Registered office

Class of shares

Holding

Equitable Holdings Limited
6 Europa Boulevard, Birkenhead, England, CH41 4PE
Ordinary
100%


15.


Debtors

2025
2024
£
£

Due after more than one year

Deferred tax asset
161,893
209,115

161,893
209,115

Due within one year

Trade debtors
529,792
493,546

Amounts owed by group undertakings
3,618,213
4,096,210

Other debtors
39,842
110,105

Prepayments and accrued income
505,846
620,590

4,855,586
5,529,566


Amounts due from parent and fellow subsidiary entities are repayable on demand and are not chargeable to interest. 

Page 25

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

16.


Cash and cash equivalents

2025
2024
£
£

Cash at bank and in hand
1,186,022
1,859,974

1,186,022
1,859,974



17.


Creditors: Amounts falling due within one year

2025
2024
£
£

Trade creditors
175,069
335,338

Amounts owed to group undertakings
-
3,930,818

Corporation tax
622,351
189,441

Other taxation and social security
635,783
298,520

Other creditors
8,286
483,324

Accruals and deferred income
544,965
802,860

1,986,454
6,040,301


Amounts due to parent and fellow subsidiary entities are repayable on demand and are not chargeable to interest. 


18.


Financial instruments

2025
2024
£
£

Financial assets


Financial assets measured at fair value through profit or loss
1,186,022
1,859,974




Financial assets measured at fair value through profit or loss comprise cash at bank and in hand.

Page 26

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

19.


Deferred taxation




2025


£






At beginning of year
209,115


Charged to other comprehensive income
(47,222)



At end of year
161,893

The deferred tax asset is made up as follows:

2025
2024
£
£


Accelerated capital allowances
159,105
209,115

Short term timing differences
2,788
-

161,893
209,115


20.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



1 (2024 - 1) Ordinary share of £1.00
1
1



21.


Reserves

Capital redemption reserve

The Company can redeem shares by repaying the market value to the shareholder, whereupon the shares are cancelled. Redemption must be from distributable profits. The capital redemption reserve represents the nominal value of the shares redeemed. 

Profit and loss account

The profit and loss account represents all accumulated profits less dividends paid.

Page 27

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

22.


Pension commitments

The Company operates a defined contributions pension scheme.

The assets of the scheme are held separately from those of the Company in an independently administered fund.

The pension cost charge represents contributions payable by the Company  to the fund and amounted to £118,191 (2024 - £157,166).

Contributions totalling £Nil (2024 - £Nil) were payable to the fund at the balance sheet date and are included in creditors.


23.


Related party transactions

During the 2025 period there were management fees paid to related companies of the shareholders as follows:


2025
2024
£
£



Lynn Consulting PTY Ltd
16,710
5,833

Crown Global Consulting (PTY)
16,690
5,833

Capricorn Capital Partners
4,143
28,833

37,543
40,499

The above related party transactions were all made at an arm's length basis. 

There were no outstanding debtors (2024: £Nil) or outstanding creditors (2024: £Nil) as at the balance sheet date with related parties.


24.


Post balance sheet events

The asset held for sale in the statement of financial position as at 31 December 2025 was disposed of in March 2026.

The asset had been actively marketed for sale prior to the year end and was classified as held for sale in the balance sheet at 31 December 2025.

The disposal represents a non-adjusting post balance sheet event under FRS 101 and, accordingly, no adjustment has been made to the carrying value of the asset at the reporting date.

A gain will be recognised in the financial statements for the year ending 31 December 2026 on completion of the disposal.


Page 28

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

25.


Controlling party

ColX Limited is regarded by the directors as being the company's ultimate parent company. 

Copies of accounts of ColX Limited may be obtained from Companies House, Cardiff, CF14 3UZ.

The Directors consider there to be no single ultimate controlling party. 

 
Page 29