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REGISTERED NUMBER: 01967512 (England and Wales)















DTE RISK AND FINANCIAL MANAGEMENT
LIMITED

ABBREVIATED UNAUDITED ACCOUNTS FOR THE YEAR ENDED 30 APRIL 2016






DTE RISK AND FINANCIAL MANAGEMENT
LIMITED (REGISTERED NUMBER: 01967512)

CONTENTS OF THE ABBREVIATED ACCOUNTS
for the Year Ended 30 APRIL 2016










Page

Company Information 1

Abbreviated Balance Sheet 2

Notes to the Abbreviated Accounts 4

DTE RISK AND FINANCIAL MANAGEMENT
LIMITED

COMPANY INFORMATION
for the Year Ended 30 APRIL 2016







DIRECTORS: N J Fail
M N Beckley
R I Taylor



SECRETARY: R I Taylor



REGISTERED OFFICE: The Exchange
5 Bank Street
Bury
Lancashire
BL9 0DN



REGISTERED NUMBER: 01967512 (England and Wales)



BANKERS: The Royal Bank of Scotland plc
40 The Rock
Bury
Lancashire
BL9 0NX

DTE RISK AND FINANCIAL MANAGEMENT
LIMITED (REGISTERED NUMBER: 01967512)

ABBREVIATED BALANCE SHEET
30 APRIL 2016

2016 2015
Notes £    £   
FIXED ASSETS
Tangible assets 2 24,101 31,210
Investments 3 1,431 1,431
25,532 32,641

CURRENT ASSETS
Debtors 34,619 56,233
Cash at bank 290,691 275,596
325,310 331,829
CREDITORS
Amounts falling due within one year 4 (137,337 ) (197,843 )
NET CURRENT ASSETS 187,973 133,986
TOTAL ASSETS LESS CURRENT
LIABILITIES

213,505

166,627

CREDITORS
Amounts falling due after more than one
year

4

(3,285

)

(9,856

)
NET ASSETS 210,220 156,771

CAPITAL AND RESERVES
Called up share capital 5 2,532 2,532
Share premium 5,609 5,609
Profit and loss account 202,079 148,630
SHAREHOLDERS' FUNDS 210,220 156,771

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30 April 2016.

The members have not required the company to obtain an audit of its financial statements for the year ended 30 April 2016 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.

DTE RISK AND FINANCIAL MANAGEMENT
LIMITED (REGISTERED NUMBER: 01967512)

ABBREVIATED BALANCE SHEET - continued
30 APRIL 2016


The abbreviated accounts have been prepared in accordance with the special provisions of Part 15 of the Companies Act 2006 relating to small companies.


The financial statements were approved by the Board of Directors on 27 January 2017 and were signed on its behalf by:





M N Beckley - Director


DTE RISK AND FINANCIAL MANAGEMENT
LIMITED (REGISTERED NUMBER: 01967512)

NOTES TO THE ABBREVIATED ACCOUNTS
for the Year Ended 30 APRIL 2016


1. ACCOUNTING POLICIES

Accounting convention
The financial statements have been prepared under the historical cost convention and in accordance with the
Financial Reporting Standard for Smaller Entities (effective January 2015).

Preparation of consolidated financial statements
The financial statements contain information about DTE Risk and Financial Management Limited as an
individual company and do not contain consolidated financial information as the parent of a group. The company
has taken the option under Section 398 of the Companies Act 2006 not to prepare consolidated financial
statements.

Revenue
Turnover represents the total commission and fees receivable by the company in the ordinary course of business
which is recognised as the related services are provided.

Tangible fixed assets
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life or, if held under a finance lease, over the lease term, whichever is the shorter.

Computers & Office Equipment - 33% on reducing balance and 15% on reducing balance
Motor vehicles - 25% on reducing balance

Deferred tax
Deferred tax is recognised in respect of all material timing differences that have originated but not reversed at the
balance sheet date.

Hire purchase and leasing commitments
Assets obtained under hire purchase contracts are capitalised in the balance sheet. Those held under hire
purchase contracts are depreciated over their estimated useful lives.

The interest element of these obligations is charged to the profit and loss account over the relevant period. The
capital element of the future payments is treated as a liability.

Rentals paid under operating leases are charged to the profit and loss account as incurred.

Pensions
The company operates a defined contribution pension scheme. Contributions payable for the year are charged in
the profit and loss account.

Fixed asset investments
Fixed asset investments are stated at cost, less any permanent diminution in value.

DTE RISK AND FINANCIAL MANAGEMENT
LIMITED (REGISTERED NUMBER: 01967512)

NOTES TO THE ABBREVIATED ACCOUNTS - continued
for the Year Ended 30 APRIL 2016


2. TANGIBLE FIXED ASSETS
Total
£   
COST
At 1 May 2015 52,191
Additions 660
At 30 April 2016 52,851
DEPRECIATION
At 1 May 2015 20,981
Charge for year 7,769
At 30 April 2016 28,750
NET BOOK VALUE
At 30 April 2016 24,101
At 30 April 2015 31,210

3. FIXED ASSET INVESTMENTS
Investments
other
than
loans
£   
COST
At 1 May 2015
and 30 April 2016 1,431
NET BOOK VALUE
At 30 April 2016 1,431
At 30 April 2015 1,431

The company's investments at the Balance Sheet date in the share capital of companies include the following:

Downham Rose Nominees Limited
Nature of business: Non-trading
%
Class of shares: holding
Ordinary 100.00
2016 2015
£    £   
Aggregate capital and reserves (163 ) (163 )

DTE RISK AND FINANCIAL MANAGEMENT
LIMITED (REGISTERED NUMBER: 01967512)

NOTES TO THE ABBREVIATED ACCOUNTS - continued
for the Year Ended 30 APRIL 2016


3. FIXED ASSET INVESTMENTS - continued

DTE Insurance Brokers Limited
Nature of business: Non-trading
%
Class of shares: holding
Ordinary 100.00
2016 2015
£    £   
Aggregate capital and reserves 6,982 6,982

4. CREDITORS

Creditors include an amount of £ 9,856 (2015 - £ 17,872 ) for which security has been given.

5. CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:
Number: Class: Nominal 2016 2015
value: £    £   
2,532 Ordinary £1 2,532 2,532