Registration number: 15291340

Financial Wellbeing Pulse Ltd

Contents

Company Information	1
Directors' Report	2
Profit and Loss Account and Statement of Retained Earnings	3
Balance Sheet	4
Notes to the Unaudited Financial Statements	5 to 7
Accountants' Report	8
iXBRL Detailed Profit and Loss Account	9

Financial Wellbeing Pulse Ltd

Company Information

Directors

Mr Christopher David Budd Mrs Susie Budd

Registered office

Charnwood House Marsh Road Ashton Bristol BS3 2NA

Accountants

Stone & Co Chartered Accountants 2 Charnwood House Marsh Road Ashton Bristol BS3 2NA

Financial Wellbeing Pulse Ltd

Directors' Report for the Year Ended 30 November 2025

The directors present their report and the financial statements for the year ended 30 November 2025.

Directors of the company

The directors who held office during the year were as follows:

Mr Christopher David Budd

Mrs Susie Budd

Small companies provision statement

This report has been prepared in accordance with the special provisions relating to companies subject to the small companies regime within Part 15 of the Companies Act 2006.

Approved by the Board on 20 August 2026 and signed on its behalf by:

.........................................
Mr Christopher David Budd
Director

Financial Wellbeing Pulse Ltd

Profit and Loss Account and Statement of Retained Earnings for the Year Ended 30 November 2025

	Note	2025 £	2024 £
Turnover		2,858	1,517
Administrative expenses		(8,218)	(9,478)
Operating loss		(5,360)	(7,961)
Other interest receivable and similar income		-	12
		-	12
Loss before tax		(5,360)	(7,949)
Loss for the financial year		(5,360)	(7,949)
Retained earnings brought forward		(7,949)	-
Retained earnings carried forward		(13,309)	(7,949)

Financial Wellbeing Pulse Ltd

(Registration number: 15291340)
Balance Sheet as at 30 November 2025

	Note	2025 £		2024 £
Fixed assets
Intangible assets	4		15,948	15,243
Current assets
Debtors	5	357		-
Cash at bank and in hand		677		6,353
		1,034		6,353
Creditors: Amounts falling due within one year	6	(30,191)		(29,445)
Net current liabilities			(29,157)	(23,092)
Net liabilities			(13,209)	(7,849)
Capital and reserves
Called up share capital		100		100
Retained earnings		(13,309)		(7,949)
Shareholders' deficit			(13,209)	(7,849)

For the financial year ending 30 November 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

•	The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476; and
•	The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These financial statements have been prepared in accordance with the special provisions relating to companies subject to the small companies regime within Part 15 of the Companies Act 2006.

Approved and authorised by the Board on 20 August 2026 and signed on its behalf by:
 

.........................................

Mr Christopher David Budd
Director

Financial Wellbeing Pulse Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 November 2025

1	General information

The company is a private company limited by share capital, incorporated in England & Wales.

The address of its registered office is:
Charnwood House
Marsh Road
Ashton
Bristol
BS3 2NA

The principal place of business is:
11 Robinson Close
Backwell
Bristol
BS48 3BT

These financial statements were authorised for issue by the Board on 20 August 2026.

2	Accounting policies

Summary of significant accounting policies and key accounting estimates

The principal accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

Statement of compliance

These financial statements have been prepared in accordance with Financial Reporting Standard 102 Section 1A smaller entities - 'The Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland' and the Companies Act 2006 (as applicable to companies subject to the small companies' regime).

Basis of preparation

These financial statements have been prepared using the historical cost convention except that as disclosed in the accounting policies certain items are shown at fair value.

Going concern

The financial statements have been prepared on a going concern basis.

Revenue recognition

Turnover comprises the fair value of the consideration received or receivable for the sale of goods and provision of services in the ordinary course of the company’s activities. Turnover is shown net of sales/value added tax, returns, rebates and discounts.

The company recognises revenue when:
The amount of revenue can be reliably measured;
it is probable that future economic benefits will flow to the entity;
and specific criteria have been met for each of the company's activities.

Depreciation

Financial Wellbeing Pulse Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 November 2025

Asset class	Depreciation method and rate
Office Equipment	25% Straight Line

Amortisation

Amortisation is provided on intangible assets so as to write off the cost, less any estimated residual value, over their useful life as follows:

Asset class	Amortisation method and rate
Software & Website Development	10% Straight Line

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Trade debtors

Trade debtors are amounts due from customers for merchandise sold or services performed in the ordinary course of business.

Trade debtors are recognised initially at the transaction price. They are subsequently measured at amortised cost using the effective interest method, less provision for impairment. A provision for the impairment of trade debtors is established when there is objective evidence that the company will not be able to collect all amounts due according to the original terms of the receivables.

Trade creditors

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers. Accounts payable are classified as current liabilities if the company does not have an unconditional right, at the end of the reporting period, to defer settlement of the creditor for at least twelve months after the reporting date. If there is an unconditional right to defer settlement for at least twelve months after the reporting date, they are presented as non-current liabilities.

Trade creditors are recognised initially at the transaction price and subsequently measured at amortised cost using the effective interest method.

Share capital

Ordinary shares are classified as equity. Equity instruments are measured at the fair value of the cash or other resources received or receivable, net of the direct costs of issuing the equity instruments. If payment is deferred and the time value of money is material, the initial measurement is on a present value basis.

3	Staff numbers

The average number of persons employed by the company (including directors) during the year, was 0 (2024 - 0).

Financial Wellbeing Pulse Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 November 2025

4	Intangible assets

	Internally generated software development costs  £	Total £
Cost or valuation
At 1 December 2024	16,687	16,687
Additions internally developed	2,387	2,387
At 30 November 2025	19,074	19,074
Amortisation
At 1 December 2024	1,444	1,444
Amortisation charge	1,682	1,682
At 30 November 2025	3,126	3,126
Carrying amount
At 30 November 2025	15,948	15,948
At 30 November 2024	15,243	15,243

5

Debtors

Current	2025 £	2024 £
Other debtors	357	-
	357	-

6

Creditors

Creditors: amounts falling due within one year

	2025 £	2024 £
Due within one year
Trade creditors	2,647	48
Taxation and social security	-	3,685
Accruals and deferred income	500	500
Other creditors	27,044	25,212
	30,191	29,445

Chartered Accountants' Report to the Board of Directors on the Preparation of the Unaudited Statutory Accounts of
Financial Wellbeing Pulse Ltd
for the Year Ended 30 November 2025

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of Financial Wellbeing Pulse Ltd for the year ended 30 November 2025 as set out on pages 3 to 7 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 at
http://www.icaew.com/regulation.

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

It is your duty to ensure that Financial Wellbeing Pulse Ltd has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and loss of Financial Wellbeing Pulse Ltd. You consider that Financial Wellbeing Pulse 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 accounts of Financial Wellbeing Pulse 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 accounts.

......................................

Stone & Co Chartered Accountants
2 Charnwood House
Marsh Road
Ashton
Bristol
BS3 2NA

20 August 2026

Financial Wellbeing Pulse Ltd

iXBRL Detailed Profit and Loss Account for the Year Ended 30 November 2025

	2025 £	2024 £
Turnover/revenue	2,858	1,517
Cost of sales
Opening stock/inventories	-	-
Closing stock/inventories	-	-
Gross profit	2,858	1,517
Distribution costs
Administrative expenses
Audit and accountancy other services	(500)	(500)
Advertising, promotions and marketing costs	(34)	(1,194)
Amortisation of intangible assets	(1,683)	(1,444)
Legal and professional costs	(312)	(5,499)
Bank charges	(119)	(29)
IT and computing	(5,211)	(500)
Subscriptions	(47)	-
Other costs	(312)	(312)
Other operating income
Other items
Loss on ordinary activities before finance charges and interest	(5,360)	(7,961)
Bank interest and similar income receivable	-	12
Loss for the financial year	(5,360)	(7,949)