Cover For You Services Ltd - Accounts to registrar (filleted)

REGISTERED NUMBER: 11238822 (England and Wales)

Unaudited Financial Statements for the Year Ended 30th June 2026

for

Cover For You Services Ltd

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

Chartered Accountants' Report

7

DIRECTORS:

A P Dean

J L McCarthy

L Freke

REGISTERED OFFICE:

Suite 5, Floor 3

Kings Court

London Road

Stevenage

SG1 2NG

REGISTERED NUMBER:

11238822 (England and Wales)

ACCOUNTANTS:

Moulton Johnson Limited

Chartered Accountants

29a Crown Street

Brentwood

Essex

CM14 4BA

FIXED ASSETS

Tangible assets

4

53,081

83,715

CURRENT ASSETS

Debtors

5

81,212

81,829

Cash at bank

116,466

29,899

197,678

111,728

CREDITORS

Amounts falling due within one year

6

71,545

43,713

NET CURRENT ASSETS

126,133

68,015

TOTAL ASSETS LESS CURRENT
LIABILITIES

179,214

151,730

PROVISIONS FOR LIABILITIES

9,565

1,630

NET ASSETS

169,649

150,100

CAPITAL AND RESERVES

Called up share capital

180,000

Retained earnings

(10,351

)

(29,900

)

SHAREHOLDERS' FUNDS

169,649

150,100

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30th June 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 30th June 2026 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their 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 Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 17th August 2026 and were signed on its behalf by:

A P Dean - Director

1.	STATUTORY INFORMATION

Cover For You Services Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

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 Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" including the provisions of Section 1A "Small Entities" and the Companies Act 2006. The financial statements have been prepared under the historical cost convention.

Revenue recognition

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Plant and machinery etc

-

25% on cost and over the term of the lease

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, 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.

Foreign currencies

Assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at the balance sheet date. Transactions in foreign currencies are translated into sterling at the rate of exchange ruling at the date of transaction. Exchange differences are taken into account in arriving at the operating result.

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.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 15 (2025 - 15 ) .

4.	TANGIBLE FIXED ASSETS

Plant and

machinery

etc

£

COST

At 1st July 2025

185,355

Additions

15,292

At 30th June 2026

200,647

DEPRECIATION

At 1st July 2025

101,640

Charge for year

45,926

At 30th June 2026

147,566

NET BOOK VALUE

At 30th June 2026

53,081

At 30th June 2025

83,715

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

30.6.26

30.6.25

£

Amounts owed by group undertakings

28,568

35,927

Other debtors

-

3,473

VAT

6,387

6,631

Prepayments

46,257

35,798

81,212

81,829

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

30.6.26

30.6.25

£

Trade creditors

36,937

11,769

Social security and other taxes

25,798

26,468

Other creditors

2,408

385

Accrued expenses

6,402

5,091

71,545

43,713

7.	LEASING AGREEMENTS

Minimum lease payments under non-cancellable operating leases fall due as follows:

30.6.26

30.6.25

£

Within one year

24,386

32,515

Between one and five years

-

24,386

56,901

8.	RELATED PARTY DISCLOSURES

Cover For You Insurance Group Limited

Parent company registered in Gibraltar

During the year, the company provided services to its parent company, Cover For You Insurance Group Limited, amounting to £1,441,597 (2025: £1,669,028).The amount due to the company by Cover For You Insurance Group Limited, at 30th June 2026 amounted to £28,568 (2025: £35,927).

The following reproduces the text of the report prepared for the directors in respect of the company's annual unaudited financial statements. In accordance with the Companies Act 2006, the company is only required to file a Balance Sheet. Readers are cautioned that the Income Statement and certain other primary statements and the Report of the Directors are not required to be filed with the Registrar of Companies.

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the financial statements of Cover For You Services Ltd for the year ended 30th June 2026 which comprise the Income Statement, Balance Sheet and the related notes from the company's accounting records and from information and explanations you have given us.

As a practising member firm of the Institute of Chartered Accountants in England and Wales (ICAEW), we are subject to its ethical and other professional requirements which are detailed within the ICAEW's regulations and guidance at http://www.icaew.com/en/membership/regulations-standards-and-guidance.

This report is made solely to the Board of Directors of Cover For You Services Ltd, as a body, in accordance with our terms of engagement. Our work has been undertaken solely to prepare for your approval the financial statements of Cover For You Services Ltd and state those matters that we have agreed to state to the Board of Directors of Cover For You Services Ltd, as a body, in this report in accordance with ICAEW Technical Release 07/16AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Cover For You Services Ltd and its Board of Directors, as a body, for our work or for this report.

It is your duty to ensure that Cover For You Services Ltd has kept adequate accounting records and to prepare statutory financial statements that give a true and fair view of the assets, liabilities, financial position and profit of Cover For You Services Ltd. You consider that Cover For You Services Ltd is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or a review of the financial statements of Cover For You Services Ltd. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory financial statements.

Moulton Johnson Limited

Chartered Accountants

29a Crown Street

Brentwood

Essex

CM14 4BA

17th August 2026