Auto Finance Online Limited - Accounts to registrar (filleted)

REGISTERED NUMBER: 09608656 (England and Wales)

UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 AUGUST 2026

FOR

Auto Finance Online Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

Chartered Accountants' Report

7

DIRECTOR:

Mr M Edwards

REGISTERED OFFICE:

The Church

Mobberley Road

Wilmslow

Cheshire

SK9 5NT

REGISTERED NUMBER:

09608656 (England and Wales)

ACCOUNTANTS:

Langricks Limited

1 Swan Street

Wilmslow

Cheshire

SK9 1HF

FIXED ASSETS

Intangible assets

4

37,742

-

Tangible assets

5

770,608

763,287

808,350

763,287

CURRENT ASSETS

Debtors

6

693,613

514,868

Cash at bank

528,003

361,429

1,221,616

876,297

CREDITORS

Amounts falling due within one year

7

(583,675

)

(425,452

)

NET CURRENT ASSETS

637,941

450,845

TOTAL ASSETS LESS CURRENT
LIABILITIES

1,446,291

1,214,132

CREDITORS

Amounts falling due after more than one
year

8

(150,000

)

(250,000

)

PROVISIONS FOR LIABILITIES

(4,480

)

(2,650

)

NET ASSETS

1,291,811

961,482

CAPITAL AND RESERVES

Called up share capital

300

Retained earnings

1,291,511

961,182

1,291,811

961,482

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 August 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 August 2026 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges his 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 director and authorised for issue on 22 October 2026 and were signed by:

Mr M Edwards - Director

1.	STATUTORY INFORMATION

Auto Finance Online 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.

Turnover

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

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.

Website costs is being amortised evenly over its estimated useful life of ten years.

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

-

33% on cost and 25% on cost

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.

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.

Freehold property

Freehold property is initially recognised at cost and subsequently measured at fair value at the date of revaluation.

Revaluations are carried out with sufficient regularity to ensure that the carrying amount does not differ materially from the property's fair value at the reporting date.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 14 (2025 - 10 ) .

4.	INTANGIBLE FIXED ASSETS

Other

intangible

assets

£

COST

Additions

37,742

At 31 August 2026

37,742

NET BOOK VALUE

At 31 August 2026

37,742

5.	TANGIBLE FIXED ASSETS

Plant and

Land and

machinery

buildings

etc

Totals

£

COST

At 1 September 2025

752,688

17,096

769,784

Additions

-

12,432

Disposals

-

(614

)

(614

)

At 31 August 2026

752,688

28,914

781,602

DEPRECIATION

At 1 September 2025

-

6,497

Charge for year

-

4,763

Eliminated on disposal

-

(266

)

(266

)

At 31 August 2026

-

10,994

NET BOOK VALUE

At 31 August 2026

752,688

17,920

770,608

At 31 August 2025

752,688

10,599

763,287

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.8.26

31.8.25

as

restated

£

Trade debtors

662,026

469,177

Amounts owed by participating interests

2,582

1,278

Other debtors

29,005

44,413

693,613

514,868

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.8.26

31.8.25

as

restated

£

Trade creditors

170,270

130,020

Taxation and social security

277,944

165,316

Other creditors

135,461

130,116

583,675

425,452

8.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR

31.8.26

31.8.25

as

restated

£

Other creditors

150,000

250,000

9.	RELATED PARTY DISCLOSURES

At the year end, there is a loan outstanding from Ben Holland and Charlie Holland to the company of £275,000 (2025: £375,000). This loan is unsecured, interest free and will be repaid in equal instalments over 3 years.

The following reproduces the text of the report prepared for the director in respect of the company's annual unaudited financial statements. In accordance with the Companies Act 2006, the company is only required to file a Balance Sheet. Readers are cautioned that the Income Statement and certain other primary statements and the Report of the Director are not required to be filed with the Registrar of Companies.

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the financial statements of Auto Finance Online Limited for the year ended 31 August 2026 which comprise the Income Statement, Balance Sheet and the related notes from the company's accounting records and from information and explanations you have given us.

As a practising member firm of the Institute of Chartered Accountants in England and Wales (ICAEW), we are subject to its ethical and other professional requirements which are detailed within the ICAEW's regulations and guidance at http://www.icaew.com/en/membership/regulations-standards-and-guidance.

This report is made solely to the director of Auto Finance Online Limited in accordance with our terms of engagement. Our work has been undertaken solely to prepare for your approval the financial statements of Auto Finance Online Limited and state those matters that we have agreed to state to the director of Auto Finance Online Limited in this report in accordance with ICAEW Technical Release 07/16AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Auto Finance Online Limited and its director for our work or for this report.

It is your duty to ensure that Auto Finance Online Limited has kept adequate accounting records and to prepare statutory financial statements that give a true and fair view of the assets, liabilities, financial position and profit of Auto Finance Online Limited. You consider that Auto Finance Online Limited is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or a review of the financial statements of Auto Finance Online Limited. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory financial statements.

Langricks Limited

1 Swan Street

Wilmslow

Cheshire

SK9 1HF

22 October 2026