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Registered number: 00712494
Silverburn Finance (U.K.) Limited
Unaudited Financial Statements
For The Year Ended 31 January 2025
Woodville Accountancy
Contents
Page
Balance Sheet 1—2
Notes to the Financial Statements 3—7
Page 1
Balance Sheet
Registered number: 00712494
2025 2024
Notes £ £ £ £
FIXED ASSETS
Tangible Assets 4 332,721 267,399
Investment Properties 5 250,000 250,000
582,721 517,399
CURRENT ASSETS
Debtors 6 5,570,246 5,840,803
Investments 7 375 375
Cash at bank and in hand 2,688,858 2,661,292
8,259,479 8,502,470
Creditors: Amounts Falling Due Within One Year 8 (6,121,315 ) (6,148,378 )
NET CURRENT ASSETS (LIABILITIES) 2,138,164 2,354,092
TOTAL ASSETS LESS CURRENT LIABILITIES 2,720,885 2,871,491
PROVISIONS FOR LIABILITIES
Deferred Taxation (16,989 ) (16,989 )
NET ASSETS 2,703,896 2,854,502
CAPITAL AND RESERVES
Called up share capital 9 900 900
Revaluation reserve 12 275,911 195,911
Profit and Loss Account 2,427,085 2,657,691
SHAREHOLDERS' FUNDS 2,703,896 2,854,502
Page 1
Page 2
For the year ending 31 January 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.
The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.
On behalf of the board
Ms Mary-Rose Boundy
Director
10/06/2025
The notes on pages 3 to 7 form part of these financial statements.
Page 2
Page 3
Notes to the Financial Statements
1. General Information
Silverburn Finance (U.K.) Limited is a private company, limited by shares, incorporated in England & Wales, registered number 00712494 . The registered office is 76 Winter Hey Lane, Horwich, Bolton, Lancs, BL6 7PQ.
2. Accounting Policies
2.1. Basis of Preparation of Financial Statements
The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.
2.2. Going Concern Disclosure
The directors have concluded that it is appropriate to prepare the accounts on a going concern basis as the company had adequate cash resources and financial projections indicate that the company will continue to trade within its existing borrowing facilities.
2.3. Turnover
The turnover in the profit and loss account represents amounts charged on invoices factored during the year.
2.4. Tangible Fixed Assets and Depreciation
Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:
Freehold 2% straight line
Motor Vehicles 20% reducing balance
Fixtures & Fittings 20% straight line
Computer Equipment 33% reducing balance
2.5. Investment Properties
All investment properties are carried at fair value determined annually and derived from the current market rents and investment property yields for comparable real estate, adjusted if necessary for any difference in the nature, location or condition of the specific asset. No depreciation is provided for. Changes in fair value are recognised in the profit and loss account.
2.6. Leasing and Hire Purchase Contracts
Rental income from operating leases is recognised on a straight line basis over the term of the relevant lease.
Initial direct costs incurred in negotiating and arranging an operating lease are added to the carrying amount of the leased asset and recognised on a straight line basis over the lease term.
2.7. Financial Instruments
The company has elected to apply the provisions of Section 11 'Basic Financial Instruments' of FRS 102 to all of its financial instruments.
Financial instruments are recognised when the company becomes party to the contractual provisions of the instrument.
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2.8. Taxation
Income tax expense represents the sum of the tax currently payable and deferred tax.
The tax currently payable is based on taxable profit for the year. Taxable profit differs from profit as reported in the statement of comprehensive income because of items of income or expense that are taxable or deductible in other years and items that are never taxable or deductible. The company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the end of the reporting period.
Deferred tax is recognised on timing differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. Deferred tax liabilities are generally recognised for all taxable timing differences. Deferred tax assets are generally recognised for all deductible temporary differences to the extent that it is probable that taxable profits will be available against which those deductible timing differences can be utilised. The carrying amount of deferred tax assets is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.
Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realised, based on tax rates (and tax laws) that have been enacted or substantively enacted by the end of the reporting period. Deferred tax liabilities are presented within provisions for liabilities and deferred tax assets within debtors. The measurement of deferred tax liabilities and assets reflect the tax consequences that would follow from the manner in which the Company expects, at the end of the reporting period, to recover or settle the carrying amount of its assets and liabilities.
Current or deferred tax for the year is recognised in profit or loss, except when they related to items that are recognised in other comprehensive income or directly in equity, in which case, the current and deferred tax is also recognised in other comprehensive income or directly in equity respectively.
2.9. Consolidated Financial Statements
The company has taken advantage of the exemption under section 399 of the Companies Act 2006 not to prepare consolidated accounts, on the basis that the group of which this is the parent qualifies as a small group. The financial statements present information about the company as an individual entity and not about its group.
2.10. Fixed Asset Investments
Interests in subsidiaries are initially measured at cost and subsequently measured at cost less any accumulated impairment losses. The investments are assessed for impairment at each reporting date and any impairment losses or reversals of impairment losses are recognised immediately in profit or loss.
A subsidiary is an entity controlled by the company. Control is the power to govern the financial and operating policies of the entity so as to obtain benefits from its activities.
2.11.
Impairment of fixed assets
At each reporting period end date, the company reviews the carrying amounts of its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). Where it is not possible to estimate the recoverable amount of an individual asset, the company estimates the recoverable amount of the cash-generating unit to which the asset belongs.
Recoverable amount is the higher of fair value less costs to sell and value in use. in assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have not been adjusted.
If the recoverable amount of an asset (or cash-generating unit) is estimated to be less than its carrying amount, the carrying amount of the asset (or cash-generating unit) is reduced to its recoverable amount. An impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the impairment loss is treated as a revaluation decrease.
Cash and cash equivalents
Cash and cash equivalents are basic financial instruments and include cash in hand and deposits held at call with banks.
Basic financial assets
Basic financial assets, which include trade and other debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method.
Classification of financial liabilities
Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the company after deducting all of its liabilities.
Basic financial liabilities
Basic financial liabilities, including other creditors, are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest.
...CONTINUED
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2.11. - continued
Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.
Equity instruments
Equity instruments issued by the company are recorded at the fair value of proceeds received, net of transaction costs. Dividends payable on equity instruments are recognised as liabilities once they are no longer at the discretion of the company.
Employee benefits
The costs of short-term employee benefits are recognised as a liability and an expense.
The cost of any unused holiday entitlement is recognised in the period in which the employee's services are received.
Retirement benefits
For defined contribution schemes the amount charged to profit or loss is the contributions payable in the year. Differences between contributions payable in the year and contributions actually paid are shown as either accruals or prepayments.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 6 (2024: 6)
6 6
4. Tangible Assets
Land & Property
Freehold Motor Vehicles Fixtures & Fittings Computer Equipment Total
£ £ £ £ £
Cost or Valuation
As at 1 February 2024 220,000 53,890 67,133 - 341,023
Additions - - 514 687 1,201
Revaluation 80,000 - - - 80,000
As at 31 January 2025 300,000 53,890 67,647 687 422,224
Depreciation
As at 1 February 2024 8,800 9,154 55,670 - 73,624
Provided during the period 4,400 8,947 2,395 137 15,879
As at 31 January 2025 13,200 18,101 58,065 137 89,503
Net Book Value
As at 31 January 2025 286,800 35,789 9,582 550 332,721
As at 1 February 2024 211,200 44,736 11,463 - 267,399
5. Investment Property
2025
£
Fair Value
As at 1 February 2024 and 31 January 2025 250,000
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6. Debtors
2025 2024
£ £
Due within one year
Trade debtors 3,231,240 3,541,148
Other debtors 2,339,006 2,299,655
5,570,246 5,840,803
7. Current Asset Investments
2025 2024
£ £
Shares in subsidiaries 375 375
8. Creditors: Amounts Falling Due Within One Year
2025 2024
£ £
Trade creditors 74,580 1,407
Other creditors 6,030,501 6,125,848
Taxation and social security 16,234 21,123
6,121,315 6,148,378
9. Share Capital
2025 2024
£ £
Allotted, Called up and fully paid 900 900
10. Directors Advances, Credits and Guarantees
Included within Debtors are the following loans to directors:
As at 1 February 2024 Amounts advanced Amounts repaid Amounts written off As at 31 January 2025
£ £ £ £ £
Ms Mary-Rose Boundy - 10,000 1,040 - 8,960
Mrs Irene Boundy - 10,000 - - 10,000
The above loan is unsecured, interest free and repayable on demand.
Dividends paid to directors
2025 2024
£ £
Ms Mary-Rose Boundy 187,000 -
11. Dividends
2025 2024
£ £
On equity shares:
Final dividend paid 374,000 -
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12. Reserves
Revaluation Reserve
£
As at 1 February 2024 195,911
Surplus on revaluation 80,000
As at 31 January 2025 275,911
13. Related Party Transactions
The following amounts were outstanding at the reporting end date:
2025                                       2024
£                                             £
Amounts due to related parties
Entities with control, joint control or significant influence over the company
584,311                               418,662
The movement relates to a loan advanced of £169,165 (2024: 81,000) less amounts repaid £3,516 (2024: £4,000) and amounts written off during the year amounting to £126,812 (2024: 71,893) 
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