REGISTERED NUMBER: 12075452 (England and Wales)

Unaudited Financial Statements for the Year Ended 30 June 2026

for

Next Chapter Financial Planning Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

Mr P E Dibb

Mr G A H Wilkinson

Ms S L Davies

REGISTERED OFFICE:

The Old Forge

Packman Lane

Kirk Ella

Hull

HU10 7TH

REGISTERED NUMBER:

12075452 (England and Wales)

ACCOUNTANTS:

Harris & Co Limited

Chartered Accountants

Marland House

13 Huddersfield Road

Barnsley

South Yorkshire

S70 2LW

FIXED ASSETS

Intangible assets

5

1,011,595

1,131,784

Tangible assets

6

8,193

12,713

Investments

7

1,234

1,234

1,021,022

1,145,731

CURRENT ASSETS

Debtors

8

19,247

16,389

Cash at bank

508,515

279,545

527,762

295,934

CREDITORS

Amounts falling due within one year

9

254,291

217,843

NET CURRENT ASSETS

273,471

78,091

TOTAL ASSETS LESS CURRENT LIABILITIES

1,294,493

1,223,822

CREDITORS

Amounts falling due after more than one year

10

(300,474

)

(600,947

)

PROVISIONS FOR LIABILITIES

(2,048

)

(3,178

)

NET ASSETS

991,971

619,697

CAPITAL AND RESERVES

Called up share capital

11

4,934

4,934

Capital redemption reserve

300

300

Retained earnings

986,737

614,463

SHAREHOLDERS' FUNDS

991,971

619,697

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

The members have not required the Company to obtain an audit of its financial statements for the year ended 30 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 Profit and Loss Account has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 3 September 2026 and were signed on its behalf by:

Ms S L Davies - Director

1.	STATUTORY INFORMATION

Next Chapter Financial Planning 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.	STATEMENT OF COMPLIANCE

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.

3.	ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements have been prepared on a going concern basis under the historical cost convention.

Significant judgements and estimates

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

Turnover

Turnover represents amounts earned on services provided during the year and derives from the provision of services falling within the company's ordinary activities. Turnover is recognised at the point the service is provided.

Goodwill

Goodwill, being the amount paid in connection with the acquisition of a business in 2024, is being amortised evenly over its estimated useful life of ten years.

Intangible assets

Intangible assets are initially measured at cost. After initial recognition, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

Tangible fixed assets

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

Fixtures and fittings

-

25% on reducing balance

Computer equipment

-

straight line over 3 years

All fixed assets are initially recorded at cost.

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Profit and Loss Account, 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.

4.	EMPLOYEES AND DIRECTORS

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

5.	INTANGIBLE FIXED ASSETS

Goodwill

£

COST

At 1 July 2025

and 30 June 2026

1,201,894

AMORTISATION

At 1 July 2025

70,110

Charge for year

120,189

At 30 June 2026

190,299

NET BOOK VALUE

At 30 June 2026

1,011,595

At 30 June 2025

1,131,784

6.	TANGIBLE FIXED ASSETS

Plant and

machinery

etc

£

COST

At 1 July 2025

and 30 June 2026

23,237

DEPRECIATION

At 1 July 2025

10,524

Charge for year

4,520

At 30 June 2026

15,044

NET BOOK VALUE

At 30 June 2026

8,193

At 30 June 2025

12,713

7.	FIXED ASSET INVESTMENTS

Other

investments

£

COST

At 1 July 2025

1,234

Additions

1,234

Disposals

(1,234

)

At 30 June 2026

1,234

NET BOOK VALUE

At 30 June 2026

1,234

At 30 June 2025

1,234

8.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

£

Trade debtors

5,753

11,169

Amounts owed by group undertakings

8,750

-

Other debtors

4,744

5,220

19,247

16,389

9.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

£

Trade creditors

41,865

44,241

Taxation and social security

210,059

169,056

Other creditors

2,367

4,546

254,291

217,843

10.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2026

2025

£

£

Other creditors

300,474

600,947

11.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

2026

2025

value:

£

£

600

Ordinary A Shares

£1

600

600

3,717

Ordinary C Shares

£1

3,717

3,717

567

Ordinary D Shares

£1

567

567

50

Ordinary E Shares

£1

50

50

4,934

4,934

12.	OTHER FINANCIAL COMMITMENTS

During the reporting period the company has paid operating lease commitments of £19,800.