REGISTERED NUMBER: 05863686 (England and Wales)

Unaudited Financial Statements for the Year Ended 30 June 2026

for

Providential Finance Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

C Jones

Mrs C C Evans

REGISTERED OFFICE:

18 Cleveleys Avenue

Heald Green

Cheadle

Cheshire

SK8 3RH

REGISTERED NUMBER:

05863686 (England and Wales)

ACCOUNTANTS:

Michael Astin Accountancy Services

95 Tarnside Close

Rochdale

Greater Manchester

OL16 2QD

FIXED ASSETS

Tangible assets

4

331

662

Investments

5

10,000

10,000

10,331

10,662

CURRENT ASSETS

Cash at bank

64,076

50,972

CREDITORS

Amounts falling due within one year

6

34,508

37,644

NET CURRENT ASSETS

29,568

13,328

TOTAL ASSETS LESS CURRENT LIABILITIES

39,899

23,990

CAPITAL AND RESERVES

Called up share capital

100

100

Retained earnings

7

39,799

23,890

39,899

23,990

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 Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 22 July 2026 and were signed on its behalf by:

Mrs C C Evans - Director

C Jones - Director

1.	STATUTORY INFORMATION

Providential Finance 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.

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.

Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Tangible fixed assets

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

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, 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.

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.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 4 (2025 - 5 ) .

4.	TANGIBLE FIXED ASSETS

Plant and

Computer

machinery

equipment

Totals

£

£

£

COST

At 1 July 2025

and 30 June 2026

4,296

3,596

7,892

DEPRECIATION

At 1 July 2025

4,296

2,934

7,230

Charge for year

-

331

331

At 30 June 2026

4,296

3,265

7,561

NET BOOK VALUE

At 30 June 2026

-

331

331

At 30 June 2025

-

662

662

5.	FIXED ASSET INVESTMENTS

Other

investments

£

COST

At 1 July 2025

and 30 June 2026

10,000

NET BOOK VALUE

At 30 June 2026

10,000

At 30 June 2025

10,000

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

30.6.26

30.6.25

£

£

Tax

31,039

36,005

Directors' current accounts

3,469

1,639

34,508

37,644

7.

RESERVES

Retained

earnings

£

At 1 July 2025

23,890

Profit for the year

99,909

Dividends

(84,000

)

At 30 June 2026

39,799