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REGISTERED NUMBER: 12305200 (England and Wales)















Unaudited Financial Statements for the Year Ended 31st March 2025

for

Bower Home Finance Limited

Bower Home Finance Limited (Registered number: 12305200)






Contents of the Financial Statements
for the Year Ended 31st March 2025




Page

Company Information 1

Balance Sheet 2

Notes to the Financial Statements 3

Chartered Accountants' Report 5

Bower Home Finance Limited

Company Information
for the Year Ended 31st March 2025







DIRECTOR: G S Charles





REGISTERED OFFICE: Ongar Business Centre
The Gables
Fyfield
Ongar
Essex
CM5 0GA





REGISTERED NUMBER: 12305200 (England and Wales)





ACCOUNTANTS: Moulton Johnson Limited
Chartered Accountants
29a Crown Street
Brentwood
Essex
CM14 4BA

Bower Home Finance Limited (Registered number: 12305200)

Balance Sheet
31st March 2025

31.3.25 31.3.24
Notes £ £
CURRENT ASSETS
Debtors 4 226 -
Cash in hand 99 99
325 99
CREDITORS
Amounts falling due within one year 5 226 -
NET CURRENT ASSETS 99 99
TOTAL ASSETS LESS CURRENT
LIABILITIES

99

99

CAPITAL AND RESERVES
Called up share capital 99 99
99 99

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31st March 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 31st March 2025 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 11th June 2025 and were signed by:





G S Charles - Director


Bower Home Finance Limited (Registered number: 12305200)

Notes to the Financial Statements
for the Year Ended 31st March 2025

1. STATUTORY INFORMATION

Bower Home 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.

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.

Revenue
Revenue is measured at the fair value of rents receivable.

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.

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.

3. EMPLOYEES AND DIRECTORS

The average number of employees during the year was NIL (2024 - NIL).

4. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.3.25 31.3.24
£ £
Other debtors 226 -

5. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.3.25 31.3.24
£ £
Amounts owed to group undertakings 226 -

6. LEASING AGREEMENTS

Minimum lease payments under non-cancellable operating leases fall due as follows:
31.3.25 31.3.24
£ £
Within one year 3,250 -
Between one and five years 5,145 -
8,395 -

Bower Home Finance Limited (Registered number: 12305200)

Notes to the Financial Statements - continued
for the Year Ended 31st March 2025

7. RELATED PARTY DISCLOSURES

During the year, the company charged rent to Bower Retirement Limited, a fellow subsidiary company, amounting to £nil (2024: £18,321).

8. ULTIMATE PARENT COMPANY

The ultimate parent company is Bower Group Limited, a company registered in England and Wales.

Chartered Accountants' Report to the Director
on the Unaudited Financial Statements of
Bower Home Finance Limited

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 Bower Home Finance Limited for the year ended 31st March 2025 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 Bower Home Finance Limited in accordance with our terms of engagement. Our work has been undertaken solely to prepare for your approval the financial statements of Bower Home Finance Limited and state those matters that we have agreed to state to the director of Bower Home Finance 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 Bower Home Finance Limited and its director for our work or for this report.

It is your duty to ensure that Bower Home Finance 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 Bower Home Finance Limited. You consider that Bower Home Finance 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 Bower Home Finance 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.






Moulton Johnson Limited
Chartered Accountants
29a Crown Street
Brentwood
Essex
CM14 4BA


11th June 2025