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Registration number: 00145824

S.Murray & Company Limited

Unaudited Filleted Financial Statements

for the Year Ended 31 December 2024

 

S.Murray & Company Limited

Contents

Balance Sheet

1

Notes to the Unaudited Financial Statements

2 to 10

 

S.Murray & Company Limited

(Registration number: 00145824)
Balance Sheet as at 31 December 2024

Note

2024
£

2023
£

Fixed assets

 

Tangible assets

4

2,963,883

2,908,952

Current assets

 

Stocks

5

1,056,425

912,667

Debtors

6

943,461

1,081,883

Cash at bank and in hand

 

136

332,400

 

2,000,022

2,326,950

Creditors: Amounts falling due within one year

7

(1,764,009)

(1,706,127)

Net current assets

 

236,013

620,823

Total assets less current liabilities

 

3,199,896

3,529,775

Creditors: Amounts falling due after more than one year

7

(243,543)

(344,239)

Provisions for liabilities

(475,000)

(523,000)

Net assets

 

2,481,353

2,662,536

Capital and reserves

 

Called up share capital

8

681,100

681,100

Revaluation reserve

1,866,000

1,866,000

Retained earnings

(65,747)

115,436

Shareholders' funds

 

2,481,353

2,662,536

For the financial year ending 31 December 2024 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476; and

The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime. As permitted by section 444 (5A) of the Companies Act 2006, the directors have not delivered to the registrar a copy of the Profit and Loss Account.

Approved and authorised by the Board on 24 July 2025 and signed on its behalf by:
 

.........................................
P J M Murray
Director

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

1

General information

The company is a private company limited by share capital, incorporated in England and Wales.

The address of its registered office is:
Holborn House
High Street
Old Woking
Surrey
GU22 9LB

These financial statements were authorised for issue by the Board on 24 July 2025.

2

Accounting policies

Summary of significant accounting policies and key accounting estimates

The principal accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

Statement of compliance

These financial statements have been prepared in accordance with Financial Reporting Standard 102 Section 1A smaller entities - 'The Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland' and the Companies Act 2006 (as applicable to companies subject to the small companies' regime).

Basis of preparation

These financial statements have been prepared using the historical cost convention except that as disclosed in the accounting policies certain items are shown at fair value.

Going concern

The financial statements have been prepared on a going concern basis. The company had returned to a net operating profit position in 2023, and restructuring of the company undertaken in that period meant the successful sale of the Sheffield division. This resulted in a positive realisation of gains on disposal in the period and a significant boost to net current assets to c£621k at the 2023 year end, including over £300k of cash held.

During 2024, progress has continued to be made with regards to infrastructure changes and improvements to benefit the future of the remaining core business, the immediate costs of which have contributed to the reported loss in the current period. Despite ongoing global economic issues, demand for products remains strong, and the company has continued to adapt and change its production focus to maintain its operations.

The restructure process undertaken leaves the company in a strong position to meet that demand and benefit from improved margins on trade, and the directors are content that forecast results and cash flow are sufficient for the company to continue to meet its obligations for a period of 12 months from the date of approval of these accounts, and further beyond that into the future.

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

Revenue recognition

Turnover comprises the fair value of the consideration received or receivable for the sale of goods and provision of services in the ordinary course of the company’s activities. Turnover is shown net of sales/value added tax, returns, rebates and discounts.

The company recognises revenue when:
The amount of revenue can be reliably measured;
it is probable that future economic benefits will flow to the entity;
and specific criteria have been met for each of the company's activities.

Foreign currency transactions and balances

Foreign currency transactions are initially recognised by applying to the foreign currency amount the spot exchange rate between the functional currency and the foreign currency at the date of the transaction.

Monetary assets and liabilities denominated in a foreign currency at the balance sheet date are translated using the closing rate.

Tax

The tax expense for the period comprises deferred tax. Tax is recognised in profit or loss, except that a change attributable to an item of income or expense recognised as other comprehensive income is also recognised directly in other comprehensive income.

Deferred tax is recognised in respect of all timing differences between taxable profits and profits reported in the financial statements.

Unrelieved tax losses and other deferred tax assets are recognised when it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

Deferred tax is measured using the tax rates and laws that have been enacted or substantively enacted by the reporting date and that are expected to apply to the reversal of the timing difference.

Tangible assets

Individual freehold and leasehold properties are carried at current year value at fair value at the date of the revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses. Revaluations are undertaken with sufficient regularity to ensure the carrying value amount does not differ materially from that which would be determined using fair value at the balance sheet date.

Fair values are determined from market based evidence normally undertaken by professionally qualified valuers.

Tangible assets are stated in the statement of financial position at cost, less any subsequent accumulated depreciation and subsequent accumulated impairment losses. Depreciation is not charged on freehold land or buildings, on the basis that property is subject to ongoing maintenance and regular valuation, and thus any depreciation charge would likely to be immaterial.

The cost of tangible assets includes directly attributable incremental costs incurred in their acquisition and installation.

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

Depreciation

Depreciation is charged so as to write off the cost of assets, other than land and properties under construction over their estimated useful lives, as follows:

Asset class

Depreciation method and rate

Freehold property

Nil

Plant and machinery

10% straight line

Furniture and fittings

10-15% straight line

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Trade debtors

Trade debtors are amounts due from customers for merchandise sold or services performed in the ordinary course of business.

Trade debtors are recognised initially at the transaction price. A provision for the impairment of trade debtors is established when there is objective evidence that the company will not be able to collect all amounts due according to the original terms of the receivables.

Stocks

Stocks are stated at the lower of cost and estimated selling price less costs to complete and sell. Cost is determined using the first-in, first-out (FIFO) method.

The cost of finished goods and work in progress comprises direct materials and, where applicable, direct labour costs and those overheads that have been incurred in bringing the inventories to their present location and condition. At each reporting date, stocks are assessed for impairment. If stocks are impaired, the carrying amount is reduced to its selling price less costs to complete and sell; the impairment loss is recognised immediately in profit or loss.

Trade creditors

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers. Accounts payable are classified as current liabilities if the company does not have an unconditional right, at the end of the reporting period, to defer settlement of the creditor for at least twelve months after the reporting date. If there is an unconditional right to defer settlement for at least twelve months after the reporting date, they are presented as non-current liabilities.

Trade creditors are recognised initially at the transaction price.

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

Borrowings

Interest-bearing borrowings are initially recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently carried at amortised cost, with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the profit and loss account over the period of the relevant borrowing.

Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar charges.

Borrowings are classified as current liabilities unless the company has an unconditional right to defer settlement of the liability for at least twelve months after the reporting date.

Leases

Leases in which substantially all the risks and rewards of ownership are retained by the lessor are classified as operating leases. Payments made under operating leases are charged to profit or loss on a straight-line basis over the period of the lease.

Share capital

Ordinary shares are classified as equity. Equity instruments are measured at the fair value of the cash or other resources received or receivable, net of the direct costs of issuing the equity instruments. If payment is deferred and the time value of money is material, the initial measurement is on a present value basis.

Defined contribution pension obligation

A defined contribution plan is a pension plan under which fixed contributions are paid into a pension fund and the company has no legal or constructive obligation to pay further contributions even if the fund does not hold sufficient assets to pay all employees the benefits relating to employee service in the current and prior periods.

Contributions to defined contribution plans are recognised as employee benefit expense when they are due. If contribution payments exceed the contribution due for service, the excess is recognised as a prepayment.

3

Staff numbers

The average number of persons employed by the company (including directors) during the year, was 33 (2023 - 45).

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

4

Tangible assets

Land and buildings
£

Furniture, fittings and equipment
 £

Total
£

Cost or valuation

At 1 January 2024

2,700,000

2,247,327

4,947,327

Additions

-

104,141

104,141

At 31 December 2024

2,700,000

2,351,468

5,051,468

Depreciation

At 1 January 2024

-

2,038,375

2,038,375

Charge for the year

-

49,210

49,210

At 31 December 2024

-

2,087,585

2,087,585

Carrying amount

At 31 December 2024

2,700,000

263,883

2,963,883

At 31 December 2023

2,700,000

208,952

2,908,952

Included within the net book value of land and buildings above is £2,700,000 (2023 - £2,700,000) in respect of freehold land and buildings. Land valued at £1,080,000 (2022: £1,187,298) has not been depreciated.
 

Revaluation

The fair value of the company's Freehold property was revalued on 31 December 2021 by an independent valuer.
Had this class of asset been measured on a historical cost basis, the carrying amount would have been £360,000 (2023 - £360,000).

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

5

Stocks

2024
£

2023
£

Raw materials and consumables

131,096

122,483

Finished goods and goods for resale

925,329

790,184

1,056,425

912,667

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

6

Debtors

2024
£

2023
£

Trade debtors

825,197

936,528

Prepayments

106,268

106,369

Other debtors

11,996

38,986

943,461

1,081,883

7

Creditors

Creditors: amounts falling due within one year

Note

2024
£

2023
£

Due within one year

 

Loans and borrowings

9

708,905

289,455

Trade creditors

 

960,845

1,316,990

Taxation and social security

 

21,819

21,157

Accruals and deferred income

 

61,027

58,318

Other creditors

 

11,413

20,207

 

1,764,009

1,706,127

Creditors: amounts falling due after more than one year

Note

2024
£

2023
£

Due after one year

 

Loans and borrowings

9

243,543

344,239

8

Share capital

Allotted, called up and fully paid shares

2024

2023

No.

£

No.

£

Ordinary shares of £1 each

681,000

681,000

681,000

681,000

       
 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

9

Loans and borrowings

Non-current loans and borrowings

2024
£

2023
£

Bank borrowings

243,543

344,239

Current loans and borrowings

2024
£

2023
£

Bank borrowings

88,836

90,015

Bank overdrafts

620,069

199,440

708,905

289,455

Bank borrowings

The bank loan is denominated in sterling with a nominal interest rate of base rate plus 1.95%, and the final instalment is due on 30 March 2026. The carrying amount at year end is £314,879 (2023 - £406,754).

The bank loan is secured via a first legal mortgage dated 2 September 2005 over the Woking properties, and an unscheduled mortgage debenture incorporating a fixed and floating charge over all the current and future assets of the company dated 8 February 2007.

During a prior year, the company also took an additional £50,000 BBL from Barclays, which commenced repayment at the end of 2021. As at the year end, £17,500 (2003: £27,500) was owing on this loan.

 

S.Murray & Company Limited

Notes to the Unaudited Financial Statements for the Year Ended 31 December 2024

10

Related party transactions

Summary of transactions with other related parties


The S Murray & Company Limited Executive Retirement Benefits Scheme
Rental payments of £75,750 (2023: £75,750) were paid to the Scheme by the company during the year.

Rent charged was at commercial rates.

Legal costs of £2,132 were paid by the pension fund in the year on behalf of the company, and subsequently reimbursed.

At the year end, £nil was due to the Scheme by the company (2023: £nil).

11

Parent and ultimate parent undertaking

The company's immediate parent is Murray Holdings Limited, incorporated in United Kingdom.This company is also the ultimate parent undertaking.