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Registered number: 10276524












LL PAY UK LIMITED
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

 

LL PAY UK LIMITED

CONTENTS



Page
Company information
 
1
Strategic report
 
2 - 3
Directors' report
 
4 - 5
Directors' responsibilities statement
 
6
Independent auditors' report
 
7 - 10
Statement of comprehensive income
 
11
Balance sheet
 
12
Statement of changes in equity
 
13
Statement of cash flows
 
14
Notes to the financial statements
 
15 - 26


 

LL PAY UK LIMITED
 
COMPANY INFORMATION


Directors
Q Huang 
X S Zhu 




Registered number
10276524



Registered office
Browne Jacobson LLP (CS)
15th Floor

6 Bevis Marks

London

EC3A 7BA




Independent auditors
Blick Rothenberg Audit LLP
Chartered Accountants & Statutory Auditor

16 Great Queen Street

Covent Garden

London

WC2B 5AH




Page 1

 

LL PAY UK LIMITED
 
STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

Introduction
 
The directors represent the Strategic Report of LL Pay UK Limited ("the Company") for the year ended 31 December 2024.

Business overview
 
LL Pay UK Limited was established in 2016 and obtained authorisation from the Financial Conduct Authority (FCA) to provide money remittance services on 30 April 2018. LL Pay UK Limited has a year end of 31 December 2024. The Company is part of Lianlian Group which is one of the largest non-banking third party payment services providers in China. The Company is principally engaged in provision of payment processing services to assist the Chinese merchant clients of Lianlian International Company Limited to receive payment for goods purchased by their customers and also make payments to the tax authorities on their behalf. Chinese merchants sell their products via online platforms, to customers including those in the UK and Europe.
In order to fund operations of this Company, the Company issued 50,000 shares of £1 each in 2017 and 300,000 additional shares of £1 each in 2019 to Lianlian Hong Kong Company Limited. LL Pay UK limited was sold to Lianlian Pay Global Limited for USD 394,849 on 05 August 2022 as part of the cross border business restructuring by Lianlian Group.

Executive Summary
LL Pay UK Ltd continued its operational growth in 2024, providing UK-based cross-border payment solutions. The company strengthened its position across key verticals VAT, e-commerce and marketplaces—while maintaining robust financial controls and compliance frameworks.
      
Key highlights:
Revenue growth driven by increased merchant adoption, especially in marketplaces and VAT-related payments.
Enhanced FX infrastructure to support real-time settlements and multi-currency transactions.
Focused expansion into VAT payment services for B2B clients, streamlining compliance and cash flow management.
Observations:
Strong top-line growth led by marketplaces and e-commerce merchants adopting embedded payment solutions.
Operational expenses rose due to platform scaling, compliance, and VAT processing capabilities.
Profitability improved through higher transaction volumes and efficient FX management.

Principal risks and uncertainties
 
The principal risk of the Company arises from the single business structure and the single customer group.

Credit risk

The main credit risk of the Company is its exposure to exchange rate movements. In the group company, the management set the specialised foreign exchange team to adopt market monitoring and forecasting strategies to manage foreign exchange risk. Since we have different kinds of currency for different entities, we manage these FX risks at the group level.

Page 2

 

LL PAY UK LIMITED

STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Financial key performance indicators
 
The main financial key performance indicator is to stay cautious in operating expenses and cost and try to expand the business as well.
Administrative expenses increased by a modest 3% to £1,027,710, reflecting the effectiveness of the Company's cost-control measures implemented throughout 2024.

Staff retention is a KPI at the group level, however due to the limited amount of employees in the business and the companies current retention rates, no concerns have been identified.


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



Q Huang
Director

Date: 30 September 2025

Page 3

 

LL PAY UK 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 is principally engaged in provision of payment processing services to assist the Chinese merchant clients of Lianlian International Company Limited to receive payment for goods purchased by their customers and also make payments to the tax authorities on their behalf.

Results and dividends

The loss for the year, after taxation, amounted to £926 (2023:profit  £42,770).

The net assets for the year ended 31 December 2024 were £520,324 (2023: £521,250)
The directors do not recommend the payment of a dividend for the year ended 31 December 2024 (2023: £Nil)

Going concern

The company is viewed as continuing in business for the foreseeable future with neither the intention nor necessity of liquidation, ceasing trading or seeking protection from creditors pursuant to laws or regulations. The directors have considered the current cash position of the Company and its cash flow forecasts and remain confident that the Company will be able to meet its on-going obligations as they arise for the next 12 months from the date of approval of the financial statements. As a result, the directors continue to prepare the financial statements on a going concern basis.


2024 and future business plans for LLUK

LLUK’s main task for 2024 is to build on the strength of its 2023 performance by expanding the depth and scale of our businesses and entering into more partnerships, offering better services to our merchants and partners. Specifically, we intend to allocate our resources and efforts in the following areas: 

Enhance the partnership with existing e-commerce platforms while continuing to expand our reach to new e-marketplace players. Currently, LLUK is only assisting the sales proceeds collection on behalf of Chinese and Hong Kong merchants.  As more local merchants set up their UK presence (even though their operations remain situated in China/HK), we need to serve these merchants when and where they launch their UK operations. We strive to enhance collaboration with tier 1 e-commerce platforms to provide better client experiences. At the same time, our business development teams have been exploring ways to tap the local markets for new partnerships.
Collaborate with local PSPs to help them pay out to China. We leverage our unique strength in HK/China to help UK PSPs convert their payment into local currency and pay out to China, where the currency and payment are highly regulated. We believe that the demand for such service and the transaction value are potentially high.  It is the plain vanilla type of services that do not call for a lot of customisation and should suit the lean business service model we intend to build for LLUK.
Expand our banking channels. By collaborating with the global banking partners team at the head office of the group, we will build more diversified banking channels that will match the risk profile and product capabilities of our customers.  

Directors

The directors who served during the year were:

Q Huang 
X S Zhu 


Page 4

 

LL PAY UK LIMITED

DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Challenges

We may experience challenges in executing our plan for 2024 and the future, such as: 
 
Limited resources to explore local opportunities. Currently LLUK has only a lean team mainly to support the
China originated business. In order to capture local UK opportunities, experienced and qualified sales staff
may need to be added.
Collaboration with the head office team. Due to the time difference between UK and China, extra attention and effort need to be spent on improving communication efficiencies. Collaboration with the headquarter team is crucial as the UK office relies on support from the headquarters in product, IT, and marketing capabilities. It is also important that the UK personnel to receive training at the headquarters for local market development, which may become a strain on the budget and manpower.
Ever-changing regulatory requirements. As we are in a regulated business, it is of utmost importance to keep track of the ever-changing regulatory requirements and make sure that our policies and procedures stay up to date to not only meet the regulatory requirements, but also to deliver to our customers the best user experiences as we can.

Disclosure of information to auditors

Each of the persons who are directors at the time when this directors' report is approved has confirmed that:
 
so far as the director is aware, there is no relevant audit information of which the Company's auditor are unaware, and

the director has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the Company's auditor are aware of that information.

Auditors

The company's auditor, Greenback Alan LLP, ceased to operate as a registered auditor on 31 March 2025 and
its business was transferred to Blick Rothenberg Audit LLP. Accordingly the company appointed Blick
Rothenberg Audit LLP as its auditor in accordance with section 485 of the Companies Act 2006.

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





Q Huang
Director

Date: 30 September 2025

Page 5

 

LL PAY UK LIMITED
 
DIRECTORS' RESPONSIBILITIES STATEMENT
FOR THE YEAR ENDED 31 DECEMBER 2024

The directors are responsible for preparing the directors' report and the financial statements in accordance with applicable law and regulations.

Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and of the profit or loss of the Company for that period.

 In preparing these financial statements, the directors are required to:

select suitable accounting policies for the Company's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent;

state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Company will continue in business.

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Page 6

 

LL PAY UK LIMITED

INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF LL PAY UK LIMITED
 FOR THE YEAR ENDED 31 DECEMBER 2024

Opinion


We have audited the financial statements of LL Pay UK Limited (the 'Company') for the year ended 31 December 2024, which comprise the statement of comprehensive income, the balance sheet, the statement of cash flows, the statement of changes in equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the Company's affairs as at 31 December 2024 and of its profit for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.


Basis for opinion


We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the Company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.


Page 7

 

LL PAY UK LIMITED

INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF LL PAY UK LIMITED (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Other information


The other information comprises the information included in the Annual Report other than the financial statements and our auditors' report thereon. The directors are responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.


We have nothing to report in this regard.


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:


the information given in the strategic report and the directors' report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the strategic report and the directors' report have been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception
 

In the light of the knowledge and understanding of the Company and its environment obtained in the course of the audit, we have not identified material misstatements in the strategic report or the directors' report.


We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:


adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Responsibilities of directors
 

As explained more fully in the directors' responsibilities statement set out on page 6, the directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.


In preparing the financial statements, the directors are responsible for assessing the Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Company or to cease operations, or have no realistic alternative but to do so.


Page 8

 

LL PAY UK LIMITED

INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF LL PAY UK LIMITED (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Auditors' responsibilities for the audit of the financial statements
 

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.


Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

the engagement partner ensured that the engagement team collectively had the appropriate competence,
capabilities and skills to identify or recognise non-compliance with applicable laws and regulations;
we identified the laws and regulations applicable to the company through discussions with directors and
other management, and from our commercial knowledge and experience of the relevant sector;
we focused on specific laws and regulations which we considered may have a direct material effect on the
financial statements or the operations of the company, including the Companies Act 2006, taxation
legislation and data protection, anti-bribery, employment, health and safety legislation, Payment Services Regulations 2017 and Electronic Money Regulations;
we assessed the extent of compliance with the laws and regulations identified above through making
enquiries of management and inspecting legal correspondence; and
identified laws and regulations were communicated within the audit team regularly and the team remained
alert to instances of non-compliance throughout the audit.
 
We assessed the susceptibility of the company’s financial statements to material misstatement, including
obtaining an understanding of how fraud might occur, by:

making enquiries of management as to where they considered there was susceptibility to fraud, their
knowledge of actual, suspected and alleged fraud; and
considering the internal controls in place to mitigate risks of fraud and non-compliance with laws and
regulations.

To address the risk of fraud through management bias and override of controls, we:

performed analytical procedures to identify any unusual or unexpected relationships;
tested a sample of journal entries to identify unusual transactions;
assessed whether judgements and assumptions made in determining the accounting estimates set out in note 3 were indicative of potential bias; and
investigated the rationale behind significant or unusual transactions.

In response to the risk of irregularities and non-compliance with laws and regulations, we designed procedures
which included, but were not limited to:

agreeing financial statement disclosures to underlying supporting documentation;
reading the minutes of meetings of those charged with governance; and
enquiring of management as to actual and potential litigation and claims; 
reviewing correspondence with HM Revenue and Customs and the company’s legal advisors.
 
There are inherent limitations in our audit procedures described above. The more removed that laws and
regulations are from financial transactions, the less likely it is that we would become aware of non-compliance.
Auditing standards also limit the audit procedures required to identify non-compliance with laws and regulations
to enquiry of the directors and other management and the inspection of regulatory and legal correspondence, if
any.
Page 9

 

LL PAY UK LIMITED

INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF LL PAY UK LIMITED (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024


Material misstatements that arise due to fraud can be harder to detect than those that arise from error as they
may involve deliberate concealment or collusion.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditors' report.


Use of our report
 

This report is made solely to the Company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an auditors' report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members, as a body, for our audit work, for this report, or for the opinions we have formed.





Ian Rowe (senior statutory auditor)
  
for and on behalf of
Blick Rothenberg Audit LLP
 
Chartered Accountants & Statutory Auditor
Statutory Auditor
  
16 Great Queen Street
Covent Garden
London
WC2B 5AH

30 September 2025
Page 10

 

LL PAY UK LIMITED
 
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
Note
£
£

  

Turnover
 4 
4,726,648
3,722,363

Cost of sales
  
(3,722,224)
(2,702,826)

Gross profit
  
1,004,424
1,019,537

Administrative expenses
  
(1,027,710)
(994,344)

Operating (loss)/profit
 5 
(23,286)
25,193

Interest receivable and similar income
 9 
66,349
55,318

Interest payable and similar expenses
 10 
(28,272)
(28,879)

Profit before tax
  
14,791
51,632

Tax on profit
 11 
(15,717)
(8,862)

(Loss)/profit for the financial year
  
(926)
42,770

Other comprehensive income for the year
  

Total comprehensive income for the year
  
(926)
42,770

Page 11


 
REGISTERED NUMBER:10276524
LL PAY UK LIMITED

BALANCE SHEET
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Tangible assets
 12 
3,748
1,572

Current assets
  

Debtors: amounts falling due within one year
 13 
326,079
886,144

Cash at bank and in hand
 14 
4,774,504
4,524,808

  
5,100,583
5,410,952

Creditors: amounts falling due within one year
 15 
(4,588,667)
(4,891,274)

Net current assets
  
 
 
511,916
 
 
519,678

Debtors: amounts falling due after more than one year
 13 
4,750
-

Total assets less current liabilities
  
520,414
521,250

Provisions for liabilities
  

Deferred tax
 16 
(90)
-

  
 
 
(90)
 
 
-

Net assets
  
520,324
521,250


Capital and reserves
  

Called up share capital 
 17 
350,000
350,000

Profit and loss account
 18 
170,324
171,250

Total equity
  
520,324
521,250


The financial statements were approved and authorised for issue by the board and were signed on its behalf by: 




Q Huang
Director

Date: 30 September 2025

The notes on pages 15 to 26 form part of these financial statements.

Page 12

 

LL PAY UK LIMITED

STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Profit and loss account
Total equity

£
£
£


At 1 January 2023
350,000
128,480
478,480



Profit for the year
-
42,770
42,770



At 1 January 2024
350,000
171,250
521,250



Loss for the year
-
(926)
(926)


At 31 December 2024
350,000
170,324
520,324


Page 13

 

LL PAY UK LIMITED

STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
£
£

Cash flows from operating activities

(Loss)/profit for the financial year
(926)
42,770

Adjustments for:

Depreciation of tangible assets
666
565

Interest received
(66,349)
(55,318)

Taxation charge
15,717
8,862

Decrease/(increase) in debtors
83,077
(14,027)

Decrease/(increase) in amounts owed by groups
472,238
(338,988)

(Decrease)/increase in creditors
(4,425)
2,711

(Decrease) in amounts owed to groups
(296,632)
(3,440,348)

Corporation tax (paid)
(17,177)
(13,660)

Foreign exchange
28,272
28,879

Net cash generated from/(used in) operating activities

214,461
(3,778,554)


Cash flows from investing activities

Purchase of tangible fixed assets
(2,842)
-

Interest received
66,349
55,318

Net cash from investing activities

63,507
55,318


Net increase/(decrease) in cash and cash equivalents
277,968
(3,723,236)

Cash and cash equivalents at beginning of year
4,524,808
8,276,923

Foreign exchange gains and losses
(28,272)
(28,879)

Cash and cash equivalents at the end of year
4,774,504
4,524,808


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
4,824,893
4,689,327

Bank overdrafts
(50,389)
(164,519)

4,774,504
4,524,808


The notes on pages 15 to 26 form part of these financial statements.

Page 14

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.


General information

LL Pay UK Limited (the "Company") is a private Company limited by shares and incorporated in the England and Wales. The address of its registered office is Browne Jacobson LLP, 15th Floor, 6 Bevis Marks, London EC3A 7BA. The principal place of business is Suite 1 Lower Ground Floor, One George Yard, London, EC3V 9DF.
The Company is principally engaged in the provision of payment processing services to assist the Chinese merchant clients of Lianlian International Company Limited to receive payment for goods purchased by their customers and also make payments to the tax authorities on their behalf.

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 Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

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

The following principal accounting policies have been applied:

 
2.2

Going concern

After making enquiries, the directors have a reasonable expectation that the Company has adequate resources to continue in operational existence and meet its liabilities as they fall due for the foreseeable future, being a period of at least twelve months from the date these financial statements were approved. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.

 
2.3

Revenue

Revenue comprises services provided to fellow group companies on a cost plus basis.

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Company and the revenue can be reliably measured. Revenue 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 revenue is recognised:

Rendering of services

Revenue from a contract to provide services is recognised in the period in which the services are provided in accordance with the stage of completion of the contract when all of the following conditions are satisfied:
the amount of revenue can be measured reliably;
it is probable that the Company will receive the consideration due under the contract;
the stage of completion of the contract at the end of the reporting period can be measured reliably; and
the costs incurred and the costs to complete the contract can be measured reliably.

Page 15

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.4

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, using the straight-line method.

Depreciation is provided on the following basis:

Computer equipment
-
5 years straight-line

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.


2.5

Financial instruments

The Company has elected to apply Sections 11 and 12 of FRS 102 in respect of financial instruments.

Financial assets and financial liabilities are recognised when the Company becomes party to the contractual provisions of the instrument. 

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. 
 
The Company’s policies for its major classes of financial assets and financial liabilities are set out below. 

Financial assets
Basic financial assets, including trade and other debtors, and cash and bank balances are initially recognised at transaction price, unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest for a similar debt instrument. Financing transactions are those in which payment is deferred beyond normal business terms or is financed at a rate of interest that is not a market rate.

Such assets are subsequently carried at amortised cost using the effective interest method, less any impairment.

Page 16

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)





Financial instruments (continued)

Financial liabilities

Basic financial liabilities, including trade and other creditors, and loans from fellow group companies,  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 for a similar debt instrument. Financing transactions are those in which payment is deferred beyond normal business terms or is financed at a rate of interest that is not a market rate.

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

Impairment of financial assets
Financial assets measured at cost and 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 profit and loss account. 

For financial assets measured at cost less impairment, the impairment loss is measured as the difference between the asset's carrying amount and the best estimate of the amount the Company would receive for the asset if it were to be sold at the reporting date. 

For financial assets measured at amortised cost, the impairment loss is measured as the difference between the asset's carrying amount and the present value of estimated cash flows discounted at the asset's original effective interest rate. If the financial asset has a variable interest rate, the discount rate for measuring any impairment loss is the current effective interest rate determined under the contract.

If there is a decrease in the impairment loss arising from an event occurring after the impairment was recognised, the impairment is reversed. The reversal is such that the current carrying amount does not exceed what the carrying amount would have been had the impairment not previously been recognised. The impairment reversal is recognised in profit or loss.

Derecognition of financial assets and financial liabilities
Financial assets are derecognised when (a) the contractual rights to the cash flows from the asset expire or are settled, or (b) substantially all the risks and rewards of the ownership of the asset are transferred to another party or (c) despite having retained some significant risks and rewards of ownership, control of the asset has been transferred to another party who has the practical ability to unilaterally sell the asset to an unrelated third party without imposing additional restrictions. 
 
Financial liabilities are derecognised when the liability is extinguished, that is when the contractual obligation is discharged, cancelled or expires.

Offsetting of financial assets and financial liabilities
Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is an enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Page 17

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.6

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.

In the statement of cash flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the Company's cash management.

  
2.7

Share capital

Ordinary shares are classified as equity

 
2.8

Interest income

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

 
2.9

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

 
2.10

Operating leases: the Company as lessee

Rentals paid under operating leases are charged to profit or loss on a straight-line basis over the lease term.

 
2.11

Foreign currency translation

Functional and presentation currency

The company's functional and presentational currency is GBP.

Transactions and balances

Foreign currency transactions are translated into the functional currency using the spot exchange rates at the dates of the transactions.

At each period end foreign currency monetary items are translated using the closing rate. Non-monetary items measured at historical cost are translated using the exchange rate at the date of the transaction and non-monetary items measured at fair value are measured using the exchange rate when fair value was determined.

Foreign exchange gains and losses resulting from the settlement of transactions and from the translation at period-end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in profit or loss except when deferred in other comprehensive income as qualifying cash flow hedges.

Page 18

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.12

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. Tax is recognised in the profit and loss account, 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.
Current tax is the amount of income tax payable in respect of taxable profit for the year or prior years.
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.

Deferred tax arises from timing differences that are differences between taxable profits and total comprehensive income as stated in the financial statements. These timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in the financial statements.
Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the balance sheet date, except that:
 
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits; and
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the balance sheet date.


3.


Judgments in applying accounting policies and key sources of estimation uncertainty

Estimates and judgments are continually evaluated and are based on historical expenses and other factors, including expectations of future events that are believed to be reasonable under the circumstances. The directors do not consider these are any material areas of key judgemental and estimates.

Page 19

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

4.


Turnover

The whole of the turnover is attributable to Cross Border Collections Income and E-Wallet FX Service Income. Cross Border Collections Income represents the service fees received for providing money collection and distribution services from Lianlian International Company Limited, which is based in Hong Kong, China.


2024
2023
£
£

E-Wallet FX Service Income
3,934
1,361

Cross Border Collections Income
4,722,714
3,721,002

4,726,648
3,722,363



5.


Operating (loss)/profit

The operating (loss)/profit is stated after charging:

2024
2023
£
£

Depreciation
666
565

Other operating lease rentals
143,338
142,416


6.


Auditors' remuneration

During the year, the Company obtained the following services from the Company's auditors and their associates:


2024
2023
£
£

Fees payable to the Company's auditors and their associates for the audit of the Company's financial statements
32,090
39,960

Fees payable to the Company's auditors and their associates in respect of:

Taxation compliance services
5,800
6,780

All non-audit services not included above
3,130
3,660

Page 20

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

7.


Employees

Staff costs, including directors' remuneration, were as follows:


2024
2023
£
£

Wages and salaries
469,109
411,927

Social security costs
36,657
33,095

Cost of defined contribution scheme
13,319
10,246

519,085
455,268


The company had 4 operational employees on average during the year 2024 (2023: 5). 


8.


Directors' remuneration

2024
2023
£
£

Directors' emoluments
142,485
100,842


UK based directors received emoluments amounting to £142,485 (2023: £100,842). Directors not based in the UK did not receive any remunerations as they were paid by Lianlian Group.


9.


Interest receivable

2024
2023
£
£


Bank interest receivable
66,349
55,318


10.


Interest payable and similar expenses

2024
2023
£
£


Transactional charges
28,272
28,879

Page 21

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

11.


Taxation


2024
2023
£
£

Corporation tax


Current tax on profits for the year
15,415
8,930


15,415
8,930


Total current tax
15,415
8,930

Deferred tax


Origination and reversal of timing differences
302
(68)

Total deferred tax
302
(68)


15,717
8,862

Factors affecting tax charge for the year

The tax assessed for the year is higher than (2023 -higher than) the standard rate of corporation tax in the UK of 25.0% (2023 -23.52%). The differences are explained below:

2024
2023
£
£


Profit on ordinary activities before tax
14,791
51,632


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25.0% (2023 -23.52%)
3,698
12,144

Effects of:


Expenses not deductible for tax purposes
3,597
660

Adjustments to tax charge in respect of prior periods
7,817
(3,938)

Adjustments to deferred tax charge in respect of prior periods
605
(4)

Total tax charge for the year
15,717
8,862


Factors that may affect future tax charges

There were no factors that may affect future tax charges.

Page 22

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

12.


Tangible fixed assets





Computer equipment

£



Cost


At 1 January 2024
2,932


Additions
2,842



At 31 December 2024

5,774



Depreciation


At 1 January 2024
1,360


Charge for the year 
666



At 31 December 2024

2,026



Net book value



At 31 December 2024
3,748



At 31 December 2023
1,572


13.


Debtors

2024
2023
£
£

Due after more than one year

Other debtors
4,750
-


2024
2023
£
£

Due within one year

Amount due from related parties
239,234
711,472

Other debtors
19,687
42,557

Prepayments and accrued income
50,667
14,015

VAT recoverable
16,491
117,888

Deferred taxation
-
212

326,079
886,144


Page 23

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

14.


Cash and cash equivalents

2024
2023
£
£

Cash at bank and in hand
4,774,504
4,524,808



15.


Creditors: amounts falling due within one year

2024
2023
£
£

Trade creditors
16,457
56,630

Amounts owed to group undertakings
4,167,356
4,463,988

Corporation tax
7,658
9,118

VAT and other tax payables
-
113,924

Accruals and deferred income
397,196
247,614

4,588,667
4,891,274


Amount owed to group undertakings are unsecured, interest free, have no fixed date of repayment and are repayable on demand.


16.


Deferred taxation




2024
2023


£

£






At beginning of year
212
144


Charged to profit or loss
(302)
68



At end of year
(90)
212

The deferred taxation balance is made up as follows:

2024
2023
£
£


Fixed asset timing differences
(937)
(393)

Short-term timing differences
847
605

(90)
212

Page 24

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

17.


Share capital

2024
2023
£
£
Allotted, called up and fully paid



350,000 (2023 -350,000) Ordinary shares of £1.00 each
350,000
350,000

The holders of ordinary shares are entitled to receive dividends as declared from time to time and are entitled to one vote per share at meetings of the Company.



18.


Reserves

Profit and loss account

The profit and loss account represents the accumulated profits, losses, and distributions of the Company.


19.


Commitments under operating leases

At 31 December 2024 the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2024
2023
£
£


Not later than 1 year
10,833
28,817

Later than 1 year and not later than 5 years
41,167
-

52,000
28,817

Page 25

 

LL PAY UK LIMITED

NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

20.


Related party transactions

Parties are considered to be related if one party has the ability, directly or indirectly, to control the other party or exercise significant influence over the other party in making financial and operational decisions. Parties are also considered to be related if they are subject to common control or common significant influence. Related parties may be individuals or corporate entities.
During the years ended 31 December 2024 and 2023, related parties that the Company had the following related party transactions:

Service income charged to Lianlian International Company Limited* of £4,722,714 in 2024 and £3,721,002 in 2023 respectively
*Lianlian International Company Limited is LL Pay UK's sister company under common control by Lianlian Pay Global Limited (Cayman), the immediate holding company.
Balances with related parties are as follows as of 31 December 2024 and 2023

2024
2023
£
£

Due from Lianlian International Company Limited
239,234
260,520
Due from Lianlian Ireland Limited**
-
93,967
Due from LL Pay US LLC***
-
356,985
Due to Lianlian International Company Limited
(4,167,356)
(4,463,988)
(3,928,122)
(3,752,516)

**The Company had £nil (2023:£93,967) due from Lianlian Ireland Limited and Lian Lian Ireland Limited discontinued their operation in 2024. Lianlian Ireland Limited used to be an affiliate company under common control by Lianlian Pay Global Limited (Cayman).  

***The Company had £nil (2023:£356,985) due from LL Pay US LLC, prior year balance was transferred erroneously in December 2023 and fully recovered in January 2024. LL Pay US LLC is an affiliate company under common control by Lianlian Pay Global Limited (Cayman). 


21.


Ultimate parent undertaking and controlling party

The immediate parent undertaking, Lianlian Pay Global Limited (Cayman) is the smallest group to consolidate these financial statements and the largest group to consolidate these financial statements is the Lianlian DigiTech Co., Ltd which is the ultimate parent company.

Name                                   Place of registration          Full address of office
Lianlian Pay Global Ltd        Cayman Islands                  Suite 2409, 24/F, Everbright Centre,
(Controlling party)                                                            108 Gloucester Road, Wanchai,      
                                                                                         Hong Kong         
Lianlian DigiTech Co., Ltd    Hangzhou, China                B3, 12/F, Building 1, 79 Yueda Lane, Binjiang District, Hangzhou, Zhejiang Province, PRC    


22.


Post balance sheet events

There have been no significant events identified up to the date of the approval of the financial statements
which would require adjustment to, or disclosure in the financial statements.

Page 26