Registration number: 10272273

Insured4Business Ltd

Contents

Balance Sheet	1 to 2
Notes to the Unaudited Financial Statements	3 to 7

Insured4Business Ltd

(Registration number: 10272273)
Balance Sheet as at 31 July 2026

	Note	2026 £	2025 £
Fixed assets
Intangible assets	4	34	51
Tangible assets	5	1,936	-
		1,970	51
Current assets
Debtors	6	6,627	2,420
Cash at bank and in hand		15,939	16,526
		22,566	18,946
Creditors: Amounts falling due within one year	7	(82,025)	(92,698)
Net current liabilities		(59,459)	(73,752)
Total assets less current liabilities		(57,489)	(73,701)
Creditors: Amounts falling due after more than one year	7	(2,878)	(3,837)
Net liabilities		(60,367)	(77,538)
Capital and reserves
Called up share capital		1	1
Retained earnings		(60,368)	(77,539)
Shareholders' deficit		(60,367)	(77,538)

Insured4Business Ltd

(Registration number: 10272273)
Balance Sheet as at 31 July 2026

For the financial year ending 31 July 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Director's 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 director acknowledges his 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 director has not delivered to the registrar a copy of the Profit and Loss Account.

Approved and authorised by the director on 9 October 2026
 

......................................... Mr R M Higginbotham Director

Insured4Business Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 July 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:
Eagle Tower
Montpellier Drive
Cheltenham
Gloucestershire
GL50 1TA

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.

The company has sufficient financial support from the director and as a consequence, he believes that the company is well placed to manage its business risks successfully despite the current uncertain economic outlook.

The director has a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus, he continues to adopt the going concern basis of accounting in preparing the financial statements.

Revenue recognition

Turnover comprises the fair value of the consideration received or receivable for the provision of insurance services in the ordinary course of the company’s activities. Turnover is recognised at the start of a policy period.

Tax

The tax expense for the period comprises current tax payable.

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.

Tangible assets

Tangible assets are stated in the balance sheet 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.

Insured4Business Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 July 2026

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
Office Equipment	25% straight line basis

Intangible assets

Separately acquired trademarks and licences are shown at historical cost.

Trademarks, licences (including software) and customer-related intangible assets acquired in a business combination are recognised at fair value at the acquisition date.

Trademarks, licences and customer-related intangible assets have a finite useful life and are carried at cost less accumulated amortisation and any accumulated impairment losses.

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
Trademark	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.

Debtors

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

Trade creditors

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers.

Borrowings

Interest-bearing borrowings are initially recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently carried at amortised cost, with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the Profit and Loss Account over the period of the relevant borrowing.

Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar charges.

Borrowings are classified as current liabilities unless the company has an unconditional right to defer settlement of the liability for at least twelve months after the reporting date.

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.

Insured4Business Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 July 2026

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 the director) during the year, was 5 (2025 - 2).

4	Intangible assets

	Trademarks, patents and licenses  £	Total £
Cost or valuation
At 1 August 2025	170	170
At 31 July 2026	170	170
Amortisation
At 1 August 2025	119	119
Amortisation charge	17	17
At 31 July 2026	136	136
Carrying amount
At 31 July 2026	34	34
At 31 July 2025	51	51

Insured4Business Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 July 2026

5	Tangible assets

	Office equipment £	Total £
Cost or valuation
At 1 August 2025	652	652
Additions	2,162	2,162
At 31 July 2026	2,814	2,814
Depreciation
At 1 August 2025	652	652
Charge for the year	226	226
At 31 July 2026	878	878
Carrying amount
At 31 July 2026	1,936	1,936

6

Debtors

Current	2026 £	2025 £
Trade debtors	6,627	2,420
	6,627	2,420

Insured4Business Ltd

Notes to the Unaudited Financial Statements for the Year Ended 31 July 2026

7

Creditors

Creditors: amounts falling due within one year

	Note	2026 £	2025 £
Due within one year
Loans and borrowings	8	970	980
Taxation and social security		2,797	1,095
Other creditors		78,258	90,623
		82,025	92,698