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Company Registration No. 03776252 (England and Wales)







KENDALL CONTRACTS LIMITED

UNAUDITED
DIRECTORS' REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2024










































 
KENDALL CONTRACTS LIMITED
 
 
COMPANY INFORMATION


Directors
Patrick Joseph Ruddy 
Alan Joseph Ruddy 
Shane Anthony Ruddy (appointed 13 May 2024)




Registered number
03776252



Registered office
Enterprise Way
Flitwick

Bedford

Bedfordshire

MK45 5BS




Accountants
Simmons Gainsford Professional Services Limited
Chartered Accountants

14th Floor

33 Cavendish Square

London

W1G 0PW




Bankers
NatWest Plc
22 Kings Mall

King Street

Hammersmith

London

W6 0PZ





 
KENDALL CONTRACTS LIMITED
 

CONTENTS



Page
Directors' Report
 
 
1
Accountants' Report
 
 
2
Profit and Loss Account
 
 
3
Balance Sheet
 
 
4
Notes to the Financial Statements
 
 
5 - 8

 
KENDALL CONTRACTS LIMITED
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

The directors present their report and the financial statements for the year ended 31 December 2024.

Principal activity

The company's principal activity continues to be residential property development.

Directors

The directors who served during the year were:

Patrick Joseph Ruddy 
Alan Joseph Ruddy 
Shane Anthony Ruddy (appointed 13 May 2024)

Small companies note

In preparing this report, the directors have taken advantage of the small companies exemptions provided by section 415A of the Companies Act 2006.

This report was approved by the board on 29 September 2025 and signed on its behalf.
 



___________________________
Alan Joseph Ruddy
Director

Page 1

 
KENDALL CONTRACTS LIMITED
 
 
  
CHARTERED ACCOUNTANTS' REPORT TO THE BOARD OF DIRECTORS ON THE PREPARATION OF THE UNAUDITED STATUTORY FINANCIAL STATEMENTS OF KENDALL CONTRACTS LIMITED
FOR THE YEAR ENDED 31 DECEMBER 2024

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the financial statements of Kendall Contracts Limited for the year ended 31 December 2024 which comprise the Profit and Loss Account, the 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 Institute of Chartered Accountants in England and Wales (ICAEW)we are subject to its ethical and other professional requirements which are detailed at https://www.icaew.com /regulation.

This report is made solely to the Board of Directors of Kendall Contracts Limited, as a body, in accordance with the terms of our engagement letter. Our work has been undertaken solely to prepare for your approval the financial statements of Kendall Contracts Limited and state those matters that we have agreed to state to the Board of Directors of Kendall Contracts Limited, as a body, in this report in accordance with ICAEW Technical Release TECH07/16AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than Kendall Contracts Limited and its Board of Directors, as a body, for our work or for this report. 

It is your duty to ensure that Kendall Contracts Limited 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 Kendall Contracts Limited. You consider that Kendall Contracts Limited is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or review of the financial statements of Kendall Contracts Limited. 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.

  



Simmons Gainsford Professional Services Limited
Chartered Accountants
14th Floor
33 Cavendish Square
London
W1G 0PW
29 September 2025
Page 2

 
KENDALL CONTRACTS LIMITED
 
 
PROFIT AND LOSS ACCOUNT
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
£
£

Turnover
7,158,057
3,635,378

Cost of sales
(4,752,479)
(3,348,186)

Gross profit
2,405,578
287,192

Administrative expenses
(152,340)
(36,726)

Operating profit
2,253,238
250,466

Inter-company loan wite off
21,371,568
-

Interest receivable and similar income
57,936
6,787

Profit before tax
23,682,742
257,253

Taxation
(595,940)
(58,714)

Profit for the financial year
23,086,802
198,539

Page 3

 
KENDALL CONTRACTS LIMITED
REGISTERED NUMBER:03776252

BALANCE SHEET
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Investments
 5 
1
1

  
1
1

Current assets
  

Developments in progress
 6 
12,993,697
15,195,033

Debtors
 7 
3,862,873
3,836,246

Cash at bank and in hand
  
7,373,922
23,558

  
24,230,492
19,054,837

Creditors: amounts falling due within one year
 8 
(1,444,512)
(18,868,657)

Net current assets
  
 
 
22,785,980
 
 
186,180

Net assets
  
22,785,981
186,181


Capital and reserves
  

Called up share capital 
  
180,000
2

Profit and loss account
  
22,605,981
186,179

  
22,785,981
186,181


The directors consider that the Company is entitled to exemption from audit under section 477 of the Companies Act 2006 and members have not required the Company to obtain an audit for the year in question in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies regime and in accordance with the provisions of FRS 102 Section 1A - small entities.

The financial statements were approved and authorised for issue by the board and were signed on its behalf on 29 September 2025.




___________________________
Alan Joseph Ruddy
Director

Page 4

 
KENDALL CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.


General information

Kendall Contracts Limited is a private company limited by shares incorporated in England and Wales. The registered office is Enterprise Way, Flitwick, Bedford, Bedfordshire, MK45 5BS.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with FRS 102 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland' and the requirements of the Companies Act 2006. The disclosure requirements of Section 1A of FRS 102 have been applied other than where additional disclosure is required to show a true and fair view.

The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires management to exercise judgement in applying the Company's accounting policies (see note 3).

The financial statements are prepared in sterling, which is the functional currency of the company.

The following principal accounting policies have been applied:

 
2.2

Going concern

At the time of approving the financial statements, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus the directors continue to adopt the going concern basis of accounting in preparing the financial statements.

 
2.3

Turnover

Turnover is recognised to the extent that it is probable that the economic benefits will flow to the Company and the turnover can be reliably measured. Turnover is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. The following criteria must also be met before turnover is recognised:

 
2.4

Interest income

Interest income is recognised in profit or loss using the effective interest method.

 
2.5

Taxation

Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the balance sheet date in the countries where the Company operates and generates income.


Page 5

 
KENDALL CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.6

Valuation of investments

Interests in associates and development joint ventures are initially recorded at cost, and subsequently stated at cost less accumulated impairment losses.
Any impairment losses or reversal of impairment losses are recognised immediately in profit or loss account.

 
2.7

Developments in progress

Developments in progress are stated at the lower of cost and estimated selling price less incidental costs to sell. Cost comprises direct materials and, where applicable, direct labour costs and those overheads that have been incurred in bringing the developments to their present condition.
At each reporting date, an assessment is made for impairment. Any excess of the carrying amount of inventories over its estimated selling price less costs to complete and sell is recognised as an impairment loss in profit or loss. Reversals of impairment losses are also recognised in profit or loss.
Land banks are stated at cost, including directly attributable incidental costs of acquisition.

 
2.8

Cash and cash equivalents

Cash and cash equivalents are basic financial assets and include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less.


3.


Judgements in applying accounting policies and key sources of estimation uncertainty

The preparation of financial statements under FRS 102 requires management to make estimates and assumptions that affect amounts recognised for assets and liabilities at the balance sheet date and the amounts of revenue and expenses incurred during the year. Actual outcome may therefore differ from these estimates and assumptions. The estimates and assumptions that have the most significant impact on the carrying values of assets and liabilities of the company within the next financial year are detailed as follows: 
Developments in progress   
Recognition of costs and profit on property development requires management judgement regarding the anticipated final outcome of individual developments and of the proportion of works completed at the balance sheet date. Management undertakes detailed reviews on a monthly basis in order to exercise judgement over the outcome of each development and the associated risks and opportunities. 


4.


Employees

The average monthly number of employees, including directors, during the year was 5 (2023 - 3).

Page 6

 
KENDALL CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

5.


Fixed asset investments





Investment in joint ventures

£



Cost or valuation


At 1 January 2024
1



At 31 December 2024
1


6.


Developments in progress

2024
2023
£
£

Development land and property
12,993,697
15,195,033



7.


Debtors

2024
2023
£
£

Amounts owed by joint ventures
3,815,499
3,815,499

Other debtors
47,374
11,217

Prepayments
-
9,530

3,862,873
3,836,246


Other debtors represent VAT recoverable.

Page 7

 
KENDALL CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

8.


Creditors: Amounts falling due within one year

2024
2023
£
£

Trade creditors
157,172
16,558

Amounts owed to group undertakings
-
18,751,509

Corporation tax
595,700
58,714

Other taxation and social security
984
505

Other creditors
682,656
35,371

Accruals
8,000
6,000

1,444,512
18,868,657


The amounts owed to group undertakings are interest-free, unsecured and repayable on demand.


9.


Post balance sheet events

There were no events since the year end which materially affected the company.


10.


Controlling party

P J Ruddy, E C Ruddy, A J Ruddy and S A Ruddy, in their capacity as trustees of the Ruddy Family trusts which own the entire shareholding of the company, are the ultimate controllers.

 
Page 8