Bell Insurance Brokers Limited - Accounts to registrar (filleted)

REGISTERED NUMBER: 04649697 (England and Wales)

Unaudited Financial Statements for the Year Ended 31 March 2026

for

Bell Insurance Brokers Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

A Bell

Mrs S A Bell

SECRETARY:

Mrs S A Bell

REGISTERED OFFICE:

12-14 Hainton Avenue

Grimsby

North East Lincs

DN32 9BB

REGISTERED NUMBER:

04649697 (England and Wales)

FIXED ASSETS

Tangible assets

4

223,306

215,859

Investment property

5

90,000

313,306

305,859

CURRENT ASSETS

Debtors

6

80,511

500,669

Cash at bank and in hand

1,827,489

1,445,712

1,908,000

1,946,381

CREDITORS

Amounts falling due within one year

7

430,827

486,173

NET CURRENT ASSETS

1,477,173

1,460,208

TOTAL ASSETS LESS CURRENT
LIABILITIES

1,790,479

1,766,067

PROVISIONS FOR LIABILITIES

4,564

2,686

NET ASSETS

1,785,915

1,763,381

CAPITAL AND RESERVES

Called up share capital

100

Retained earnings

1,785,815

1,763,281

SHAREHOLDERS' FUNDS

1,785,915

1,763,381

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 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 30 July 2026 and were signed on its behalf by:

A Bell - Director

1.	STATUTORY INFORMATION

Bell Insurance Brokers Limited 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 as modified by the revaluation of certain assets.

Turnover

Turnover is measured at the fair value of the consideration received or receivable.

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

-

10% on cost

Investment property

Investment property is shown at most recent valuation. Any aggregate surplus or deficit arising from changes in fair value is recognised in profit or loss.

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 are paid.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 17 (2025 - 18 ) .

4.	TANGIBLE FIXED ASSETS

Plant and

Land and

machinery

buildings

etc

Totals

£

COST

At 1 April 2025

121,250

132,294

253,544

Additions

-

21,500

At 31 March 2026

121,250

153,794

275,044

DEPRECIATION

At 1 April 2025

-

37,685

Charge for year

-

14,053

At 31 March 2026

-

51,738

NET BOOK VALUE

At 31 March 2026

121,250

102,056

223,306

At 31 March 2025

121,250

94,609

215,859

Freehold property is not depreciated, which is a departure from FRS102 standards.

5.	INVESTMENT PROPERTY

Total

£

FAIR VALUE

At 1 April 2025

and 31 March 2026

90,000

NET BOOK VALUE

At 31 March 2026

90,000

At 31 March 2025

90,000

Fair value at 31 March 2026 is represented by:

£

Valuation in 2020

4,358

Cost

85,642

90,000

Investment property was valued on an open market basis on 31 March 2023 by the directors .

The directors consider that this still represents the fair value of the property.

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.3.26

31.3.25

£

Other debtors

80,511

500,669

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.3.26

31.3.25

£

Trade creditors

750

Taxation and social security

76,240

150,380

Other creditors

353,837

335,043

430,827

486,173

8.	DIRECTORS' ADVANCES, CREDITS AND GUARANTEES

The following advances and credits to the directors' loan account consisted of:

31.3.26

31.3.25

£

Balance outstanding at start of year

477,875

308,855

Amounts advanced

90,629

424,848

Amounts repaid

(573,180)

(255,828)

Balance outstanding at end of year

(4,676)

477,875

During the year, interest of £3,323 (2025: £6,052) was charged on the loan account.