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REGISTERED NUMBER: 13944951 (England and Wales)












Unaudited Financial Statements

for the Year Ended 31 March 2025

for

PA Mortgage Solutions Ltd

PA Mortgage Solutions Ltd (Registered number: 13944951)






Contents of the Financial Statements
for the year ended 31 March 2025




Page

Company Information 1

Balance Sheet 2

Notes to the Financial Statements 3


PA Mortgage Solutions Ltd

Company Information
for the year ended 31 March 2025







DIRECTOR: Mrs A J Sargeant





REGISTERED OFFICE: 6 Capel Way
Nantwich
United Kingdom
Cheshire
CW5 5UG





REGISTERED NUMBER: 13944951 (England and Wales)






PA Mortgage Solutions Ltd (Registered number: 13944951)

Balance Sheet
31 March 2025

2025 2024
Notes £    £   
FIXED ASSETS
Tangible assets 4 473 707

CURRENT ASSETS
Cash at bank 8,519 14,607

CREDITORS
Amounts falling due within one year 5 (8,859 ) (13,708 )
NET CURRENT (LIABILITIES)/ASSETS (340 ) 899
TOTAL ASSETS LESS CURRENT
LIABILITIES

133

1,606

CAPITAL AND RESERVES
Called up share capital 100 100
Retained earnings 33 1,506
133 1,606

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

The members have not required the company to obtain an audit of its financial statements for the year ended 31 March 2025 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges her 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 25 July 2025 and were signed by:





Mrs A J Sargeant - Director


PA Mortgage Solutions Ltd (Registered number: 13944951)

Notes to the Financial Statements
for the year ended 31 March 2025

1. STATUTORY INFORMATION

PA Mortgage Solutions Ltd 'The Company') is primarily engaged in financial advice provision in respect of mortgage products.

The company is a private company limited by shares and is incorporated in England and Wales. The address of the principal place of business and of the registered office is 6 Capel Way, Nantwich,Cheshire, CW5 5UG. The registered number can be found on the Company Information page.

The functional and presentational currency of the financial statements is the Pound Sterling (£). Monetary amounts in these financial statements are rounded to the nearest £.

2. ACCOUNTING POLICIES

Basis of preparing the financial statements
The principle accounting policies applied in the preparation of these financial statements are set out below.

These policies have been consistently applied to all years presented, unless otherwise stated.

Basis of preparation
The financial statements are prepared on the going concern basis under the historical cost convention and comply with the United Kingdom Accounting Standards and Companies Act 2006.

Going Concern
No material uncertainties, that may cast doubt about the ability of the company to continue as a going concern have been identified by the directors and they therefore consider it appropriate to prepare the financial statements on the going concern basis.

Revenue recognition
Revenue (described as turnover) is measured at the fair value of the consideration received and represents amounts receivable for goods supplied and services rendered, stated net of discounts and Value Added Tax.

Income is recognised when goods have been delivered to customers such that risks and rewards of ownership have transferred to them.

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.
Plant and machinery etc - 33% on reducing balance

Financial instruments
The following assets and liabilities are classified as financial instruments - trade debtors, trade creditors, bank loans and directors' current accounts and loans.

Bank loans and directors loans are initially measured at the present value of future payments, discounted at a market rate of interest and subsequently at amortised cost using the effective interest method.

Directors current balances (being those repayable on demand), trade debtors, other debtors and creditors are measured at the undiscounted amount of the cash or other consideration expected to be paid or received.

Financial assets that are measured at amortised cost are assessed at the end of each reporting period for objective evidence of impairment.If objective evidence of impairment is found, an impairment loss is recognised in the Statement of Comprehensive Income.


PA Mortgage Solutions Ltd (Registered number: 13944951)

Notes to the Financial Statements - continued
for the year ended 31 March 2025

2. ACCOUNTING POLICIES - continued
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.

3. EMPLOYEES AND DIRECTORS

The average number of employees during the year was 1 (2024 - 1 ) .

4. TANGIBLE FIXED ASSETS
Computer
equipment
£   
COST
At 1 April 2024
and 31 March 2025 1,590
DEPRECIATION
At 1 April 2024 883
Charge for year 234
At 31 March 2025 1,117
NET BOOK VALUE
At 31 March 2025 473
At 31 March 2024 707

5. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2025 2024
£    £   
Trade creditors 172 159
Tax 319 669
Directors' current accounts 3,368 3,780
Accrued expenses 5,000 9,100
8,859 13,708