REGISTERED NUMBER: 05289553 (England and Wales)

JTM Financial Services Ltd

Financial Statements For The Year Ended 31 March 2025

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

3

Chartered Certified Accountants' Report

6

DIRECTORS:

J Carter-Jones

T E Wyatt

D M Brindley

REGISTERED OFFICE:

3 Princes Court

Princes Road

Ferndown

BH22 9JG

REGISTERED NUMBER:

05289553 (England and Wales)

ACCOUNTANTS:

SSM Accountants Limited

23a Church Road

Parkstone

Poole

Dorset

BH14 8UF

FIXED ASSETS

Tangible assets

4

11,751

14,064

CURRENT ASSETS

Debtors

5

80,681

123,368

Cash at bank

42,486

27,746

123,167

151,114

CREDITORS

Amounts falling due within one year

6

124,495

143,820

NET CURRENT (LIABILITIES)/ASSETS

(1,328

)

7,294

TOTAL ASSETS LESS CURRENT LIABILITIES

10,423

21,358

CREDITORS

Amounts falling due after more than one year

7

-

(5,167

)

PROVISIONS FOR LIABILITIES

(50

)

(438

)

NET ASSETS

10,373

15,753

CAPITAL AND RESERVES

Called up share capital

7,500

7,500

Capital redemption reserve

2,510

2,510

Retained earnings

363

5,743

SHAREHOLDERS' FUNDS

10,373

15,753

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 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.

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 Statement of Income and Retained Earnings has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 10 September 2025 and were signed on its behalf by:

J Carter-Jones - Director

1.	STATUTORY INFORMATION

JTM Financial 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.

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and Retained Earnings, 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.

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.

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 8 (2024 - 9 ) .

4.	TANGIBLE FIXED ASSETS

Fixtures

and

fittings

£

COST

At 1 April 2024

90,711

Additions

1,313

At 31 March 2025

92,024

DEPRECIATION

At 1 April 2024

76,647

Charge for year

3,626

At 31 March 2025

80,273

NET BOOK VALUE

At 31 March 2025

11,751

At 31 March 2024

14,064

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Trade debtors

58,935

58,935

Other debtors

21,746

64,433

80,681

123,368

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Bank loans and overdrafts

1,167

10,000

Taxation and social security

114,185

129,821

Other creditors

9,143

3,999

124,495

143,820

7.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2025

2024

£

£

Bank loans

-

5,167

8.	DIRECTORS' ADVANCES, CREDITS AND GUARANTEES

The following advances and credits to directors subsisted during the years ended 31 March 2025 and 31 March 2024:

2025

2024

£

£

J Carter-Jones

Balance outstanding at start of year

21,686

26,178

Amounts repaid

(21,686

)

(4,492

)

Amounts written off

-

-

Amounts waived

-

-

Balance outstanding at end of year

-

21,686

T E Wyatt

Balance outstanding at start of year

21,725

26,325

Amounts repaid

(21,725

)

(4,600

)

Amounts written off

-

-

Amounts waived

-

-

Balance outstanding at end of year

-

21,725

D M Brindley

Balance outstanding at start of year

21,022

26,338

Amounts repaid

(21,022

)

(5,316

)

Amounts written off

-

-

Amounts waived

-

-

Balance outstanding at end of year

-

21,022

The following reproduces the text of the report prepared for the directors 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 Directors 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 JTM Financial Services Ltd for the year ended 31 March 2025 which comprise the Statement of Income and Retained Earnings, 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 Association of Chartered Certified Accountants, we are subject to its ethical and other professional requirements which are detailed at accaglobal.com/rulebook.

This report is made solely to the Board of Directors of JTM Financial Services Ltd, as a body, in accordance with our terms of engagement. Our work has been undertaken solely to prepare for your approval the financial statements of JTM Financial Services Ltd and state those matters that we have agreed to state to the Board of Directors of JTM Financial Services Ltd, as a body, in this report in accordance with the requirements of the Association of Chartered Certified Accountants as detailed at

https://www.accaglobal.com/gb/en/technical-activities/technical-resources-

search/2009/october/factsheet-163-audit-exempt-companies.html.

To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the company and its Board of Directors, as a body, for our work or for this report.

It is your duty to ensure that JTM Financial Services Ltd 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 JTM Financial Services Ltd. You consider that JTM Financial Services Ltd 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 JTM Financial Services Ltd. 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.

SSM Accountants Limited

23a Church Road

Parkstone

Poole

Dorset

BH14 8UF

10 September 2025