Registration number: 15917392

Journey Financial Planning Ltd

Contents

Company Information	1
Statement of Financial Position	2 to 3
Notes to the Unaudited Financial Statements	4 to 9

Journey Financial Planning Ltd

Company Information

Directors

Mr NJ Utley Mr BJ Utley

Registered office

Legacy House 407 Preston Road Clayton Le Woods Chorley Lancs England PR6 7JA

Accountants

McDade Roberts Accountants Ltd Chartered Accountants316 Blackpool Road Preston Lancashire PR2 3AE

Journey Financial Planning Ltd

(Registration number: 15917392)
Statement of Financial Position as at 30 April 2026

	Note	2026 £	2025 £
Fixed assets
Intangible assets	4	8,000	4,595
Tangible assets	5	24,942	36,529
		32,942	41,124
Current assets
Debtors	6	74,526	164,214
Cash at bank and in hand		391,610	102,457
		466,136	266,671
Creditors: Amounts falling due within one year	7	(240,314)	(67,038)
Net current assets		225,822	199,633
Total assets less current liabilities		258,764	240,757
Provisions for liabilities		(3,363)	(3,749)
Net assets		255,401	237,008
Capital and reserves
Called up share capital		7,105	7,105
Retained earnings		248,296	229,903
Shareholders' funds		255,401	237,008

For the financial year ending 30 April 2026 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 and delivered in accordance with the provisions applicable to companies subject to the small companies regime. As permitted by section 444 (5A) of the Companies Act 2006, the directors have not delivered to the registrar a copy of the Income Statement.

Approved and authorised by the Board on 7 September 2026 and signed on its behalf by:
 

Journey Financial Planning Ltd

(Registration number: 15917392)
Statement of Financial Position as at 30 April 2026 (continued)

......................................... Mr BJ Utley Director

Journey Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 April 2026

1	General information

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

The address of its registered office is:
Legacy House
407 Preston Road
Clayton Le Woods
Chorley
Lancs
PR6 7JA
England

These financial statements were authorised for issue by the Board on 7 September 2026.

2	Accounting policies

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.

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.

Tax

The tax expense for the period comprises current and deferred tax. Tax is recognised in profit or loss, except that a change attributable to an item of income or expense recognised as other comprehensive income is also recognised directly in other comprehensive income.

Journey Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 April 2026 (continued)

2	Accounting policies (continued)

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the reporting date in the countries where the company operates and generates taxable income.

Deferred tax is recognised in respect of all timing differences between taxable profits and profits reported in the financial statements.

Unrelieved tax losses and other deferred tax assets are recognised when it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

Deferred tax is measured using the tax rates and laws that have been enacted or substantively enacted by the reporting date and that are expected to apply to the reversal of the timing difference.

Tangible assets

Tangible assets are stated in the statement of financial position at cost, less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

The cost of tangible assets includes directly attributable incremental costs incurred in their acquisition and installation.

Depreciation

Depreciation is charged so as to write off the cost of assets, other than land and properties under construction over their estimated useful lives, as follows:

Asset class	Depreciation method and rate
Improvements to Property	10% on Cost
Plant and Machinery	20% on Cost
Fixtures and Fittings	20% on Cost
Motor Vehicles	20% on Cost
Computer Equipment	25% on Cost

Goodwill

Goodwill, being the amount paid as a result of the demerger in 2025, is being amortised evenly over its estimated useful life of 5 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.

Leases

Minimum lease payments under non-cancellable operating leases falling due within one year are £2,271.

Journey Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 April 2026 (continued)

2	Accounting policies (continued)

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.

Dividends

Dividend distribution to the company’s shareholders is recognised as a liability in the financial statements in the reporting period in which the dividends are declared.

Defined contribution pension obligation

A defined contribution plan is a pension plan under which fixed contributions are paid into a pension fund and the company has no legal or constructive obligation to pay further contributions even if the fund does not hold sufficient assets to pay all employees the benefits relating to employee service in the current and prior periods.

Contributions to defined contribution plans are recognised as employee benefit expense when they are due. If contribution payments exceed the contribution due for service, the excess is recognised as a prepayment.

3	Staff numbers

The average number of persons employed by the company (including directors) during the year, was 9 (2025 - 9).

Journey Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 April 2026 (continued)

4	Intangible assets

	Goodwill  £	Total £
Cost or valuation
At 1 May 2025	1,608,638	1,608,638
Additions acquired separately	10,000	10,000
At 30 April 2026	1,618,638	1,618,638
Amortisation
At 1 May 2025	1,604,043	1,604,043
Amortisation charge	6,595	6,595
At 30 April 2026	1,610,638	1,610,638
Carrying amount
At 30 April 2026	8,000	8,000
At 30 April 2025	4,595	4,595

Journey Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 April 2026 (continued)

5	Tangible assets

	Improvements to Property £	Fixtures and fittings £	Plant and machinery £	Office equipment £	Total £
Cost or valuation
At 1 May 2025	53,068	45,160	768	49,160	148,156
Additions	-	-	-	1,348	1,348
At 30 April 2026	53,068	45,160	768	50,508	149,504
Depreciation
At 1 May 2025	36,270	32,836	768	41,753	111,627
Charge for the year	5,308	4,243	-	3,384	12,935
At 30 April 2026	41,578	37,079	768	45,137	124,562
Carrying amount
At 30 April 2026	11,490	8,081	-	5,371	24,942
At 30 April 2025	16,798	12,324	-	7,407	36,529

6

Debtors

Current	2026 £	2025 £
Trade debtors	74,526	84,680
Prepayments	-	10,000
Other debtors	-	69,534
	74,526	164,214

7

Creditors

Creditors: amounts falling due within one year

Journey Financial Planning Ltd

Notes to the Unaudited Financial Statements for the Year Ended 30 April 2026 (continued)

7	Creditors (continued)

	2026 £	2025 £
Due within one year
Trade creditors	2,400	5,078
Taxation and social security	198,188	54,009
Accruals and deferred income	5,551	6,391
Other creditors	34,175	1,560
	240,314	67,038