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REGISTERED NUMBER: 09756461 (England and Wales)















Unaudited Financial Statements

for the Year Ended 30 September 2024

for

Edward Cook Mortgage Services Ltd
Trading as
Wilson Cook Mortgage and Protection
Consultancy

Edward Cook Mortgage Services Ltd (Registered number: 09756461)
Trading as Wilson Cook Mortgage and Protection
Consultancy

Contents of the Financial Statements
for the Year Ended 30 September 2024










Page

Company Information 1

Statement of Financial Position 2

Notes to the Financial Statements 4


Edward Cook Mortgage Services Ltd
Trading as Wilson Cook Mortgage and Protection
Consultancy

Company Information
for the Year Ended 30 September 2024







DIRECTOR: E W Cook



REGISTERED OFFICE: HATS Gloucester Ltd
48 Hucclecote Road
Gloucester
GL3 3RS



REGISTERED NUMBER: 09756461 (England and Wales)



ACCOUNTANTS: HATS Gloucester Ltd
48 Hucclecote Road
Gloucester
Gloucestershire
GL3 3RS



BANKERS: National Westminster Bank Plc
31 The Promenade
Cheltenham
GL50 1EH

Edward Cook Mortgage Services Ltd (Registered number: 09756461)
Trading as Wilson Cook Mortgage and Protection
Consultancy

Statement of Financial Position
30 September 2024

30/9/24 30/9/23
Notes £    £    £    £   
FIXED ASSETS
Tangible assets 4 32,577 9,797

CURRENT ASSETS
Debtors 5 6,507 6,731
Cash at bank and in hand 11,370 27,110
17,877 33,841
CREDITORS
Amounts falling due within one year 6 17,107 14,288
NET CURRENT ASSETS 770 19,553
TOTAL ASSETS LESS CURRENT
LIABILITIES

33,347

29,350

CREDITORS
Amounts falling due after more than one
year

7

31,604

19,844
NET ASSETS 1,743 9,506

CAPITAL AND RESERVES
Called up share capital 1 1
Retained earnings 1,742 9,505
SHAREHOLDERS' FUNDS 1,743 9,506

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30 September 2024.

The members have not required the company to obtain an audit of its financial statements for the year ended 30 September 2024 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.

Edward Cook Mortgage Services Ltd (Registered number: 09756461)
Trading as Wilson Cook Mortgage and Protection
Consultancy

Statement of Financial Position - continued
30 September 2024


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 4 June 2025 and were signed by:





E W Cook - Director


Edward Cook Mortgage Services Ltd (Registered number: 09756461)
Trading as Wilson Cook Mortgage and Protection
Consultancy

Notes to the Financial Statements
for the Year Ended 30 September 2024


1. STATUTORY INFORMATION

Edward Cook Mortgage Services Ltd 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 or, if held under a finance lease, over the lease term, whichever is the shorter.
Fixtures and fittings - 33% on reducing balance
Motor vehicles - 25% on cost
Computer equipment - 33% 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 statement of financial position date.

Hire purchase and leasing commitments
Assets obtained under hire purchase contracts or finance leases are capitalised in the balance sheet. Those held under hire purchase contracts are depreciated over their estimated useful lives. Those held under finance leases are depreciated over their estimated useful lives or the lease term, whichever is the shorter.

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

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.

3. EMPLOYEES AND DIRECTORS

The average number of employees during the year was 5 (2023 - 6 ) .

Edward Cook Mortgage Services Ltd (Registered number: 09756461)
Trading as Wilson Cook Mortgage and Protection
Consultancy

Notes to the Financial Statements - continued
for the Year Ended 30 September 2024


4. TANGIBLE FIXED ASSETS
Improvements Fixtures
to and Motor Computer
property fittings vehicles equipment Totals
£    £    £    £    £   
Cost
At 1 October 2023 2,494 3,927 8,500 6,385 21,306
Additions - - 27,883 - 27,883
At 30 September 2024 2,494 3,927 36,383 6,385 49,189
Depreciation
At 1 October 2023 - 2,947 2,656 5,906 11,509
Charge for year - 327 4,449 327 5,103
At 30 September 2024 - 3,274 7,105 6,233 16,612
Net book value
At 30 September 2024 2,494 653 29,278 152 32,577
At 30 September 2023 2,494 980 5,844 479 9,797

Fixed assets, included in the above, which are held under hire purchase contracts are as follows:
Motor
vehicles
£   
Cost
Additions 27,883
At 30 September 2024 27,883
Depreciation
Charge for year 2,324
At 30 September 2024 2,324
Net book value
At 30 September 2024 25,559

5. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
30/9/24 30/9/23
£    £   
Other debtors 6,507 6,731

Edward Cook Mortgage Services Ltd (Registered number: 09756461)
Trading as Wilson Cook Mortgage and Protection
Consultancy

Notes to the Financial Statements - continued
for the Year Ended 30 September 2024


6. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
30/9/24 30/9/23
£    £   
Bank loans and overdrafts 8,017 3,000
Hire purchase contracts (see note 8) 5,438 -
Trade creditors 68 312
Taxation and social security 1,713 7,220
Other creditors 1,871 3,756
17,107 14,288

7. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR
30/9/24 30/9/23
£    £   
Bank loans 16,651 19,844
Hire purchase contracts (see note 8) 14,953 -
31,604 19,844

Amounts falling due in more than five years:

Repayable by instalments
Bank loans more 5 yr by instal 4,651 7,844

8. LEASING AGREEMENTS

Minimum lease payments under hire purchase fall due as follows:

30/9/24 30/9/23
£    £   
Net obligations repayable:
Within one year 5,438 -
Between one and five years 14,953 -
20,391 -