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NORFOLK HOMES HOLDINGS LIMITED         

ANNUAL REPORT AND FINANCIAL STATEMENTS         
FOR THE YEAR ENDED 31 MARCH 2025         
Registered number: 12177661         

 
NORFOLK HOMES HOLDINGS LIMITED


COMPANY INFORMATION


 Directors
A D Clark 
J M Holladay 




 Registered number
12177661



 Registered office
52 Cambridge Road South

London

W4 3DA




 Independent auditors
Larking Gowen LLP
Chartered Accountants & Statutory Auditors

1st Floor Prospect House

Rouen Road

Norwich

Norfolk

NR1 1RE




 Bankers
Lloyds Bank PLC
3 Sidney Street

Cambridge

Cambridgeshire

CB2 3HG




 Solicitors
Isadore Goldman
Lawrence House

5 St Andrews Hill

Norwich

Norfolk

NR2 1AD





 
NORFOLK HOMES HOLDINGS LIMITED


CONTENTS



Page
Group Strategic Report
 
1 - 2
Directors' Report
 
3 - 4
Independent Auditors' Report
 
5 - 7
Consolidated Statement of Comprehensive Income
 
8
Consolidated Balance Sheet
 
9
Company Balance Sheet
 
10
Consolidated Statement of Changes in Equity
 
11
Company Statement of Changes in Equity
 
12
Consolidated Statement of Cash Flows
 
13
Consolidated Analysis of Net Debt
 
14
Notes to the Financial Statements
 
15 - 28


 
NORFOLK HOMES HOLDINGS LIMITED


GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 31 MARCH 2025

The directors present their strategic report for the year ended 31 March 2025.

Introduction
 
During the year the Group has successfully continued house building operations in Norfolk.

Business review
 
The Group has continued to trade profitably and the directors are satisfied with the trading performance and the Group's overall financial position.

The Group results are shown in the Statement of Comprehensive Income on page 8 and the Balance Sheet on page 9.

During the year the Group has successfully increased the development land bank through acquisition and continues to promote and seek potential development opportunities.

The Group is funded by retained reserves, loan notes and a bank overdraft facility. Other related party loans form the balance of funding requirements.

Principal risks and uncertainties
 
The directors and senior management are mindful at all times of the risks and factors which affect the successful operation and performance of the Group's business. Appropriate processes are in place to monitor and manage operational risks on a regular basis and to also identify and mitigate potential risks.
The principal risks and uncertainties facing the group are as follows:

The economic climate, buyer confidence and the housing market. General housing demand and supply.

The availability of development land and the complexities of dealing with the planning process due to increased regulation and delays. The group has a substantial land bank sufficient to meet medium-term objectives and continues to obtain land and options over land in attractive locations.

Attracting and retaining the very best personnel, workforce, subcontractors and professional advisers. The directors regulary monitor the employment and construction services market to ensure that the group's exposure in this repect is minimised.

Ensuring adequate systems and procedures exist, to reduce as far as possible the health and safety risks associated with construction operations.

Financial key performance indicators
 
The following key performance indicators are highlighted: 
Turnover for the year amounted to £53,596,794 
(2024 - £44,558,740); Profit on ordinary activities before taxation £7,725,697 (2024 - £4,899,358); Total shareholder funds £52,279,855 (2024 - £46,721,841). The total number of employees was 54 (2024 - 57).

Page 1

 
NORFOLK HOMES HOLDINGS LIMITED


GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025

Directors' statement of compliance with duty to promote the success of the Group
 
The directors have a duty to act in good faith and to promote the success of the Group for the benefit of its members.
The following details how the directors have had regard to the matters set out in s172 of the Companies Act 2006.
 

The long term success of the Group - is always considered when making strategic decisions and formulating strategies and risk management procedures within the Group.
 
The interests of the Group’s employees – The Group has a very experienced and dedicated workforce which the directors appreciate and recognise is a valuable asset. The directors endeavours to create opportunities and the right environment for all employees to prosper and realise their full potential for mutual benefit.
 
The interests of customers and suppliers - The directors promote an environment to achieve a good and successful business relationship with customers, subcontractors, trade suppliers, third parties and professional advisers, recognising that this approach is important to ensure the Group's long term future and success.
 
The community and environment – The Group continues to support various charities and good causes in the local areas in which the group operates. The directors consider carefully the impact of the group's business on communities and the environment.   All development opportunities are subject to detailed assessment, and are designed and undertaken with social responsibility, and for the benefit of customers and communities. The Group is committed to electrifying their fleet of company vehicles, and to designing and building houses using the latest environmentally friendly materials, working practices and technologies.
 
Maintaining high standards and reputation – The directors and Group operate and maintain high standards in all aspects of business. The directors are mindful of the importance of maintaining standards and protecting the Group's goodwill and reputation.


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





A D Clark
Director

Date: 26 September 2025

Page 2

 
NORFOLK HOMES HOLDINGS LIMITED

 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 MARCH 2025

The directors present their report and the financial statements for the year ended 31 March 2025.

Directors' responsibilities statement

The directors are responsible for preparing the Group Strategic Report, the Directors' Report and the consolidated 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 the Group and of the profit or loss of the Group for that period.

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


select suitable accounting policies for the Group'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 Group 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 the Group 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 the Group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Principal activity

The principal activity of the Group is house building.

Results and dividends

The profit for the year, after taxation, amounted to £5,531,015 (2024 - £3,440,104).

During the period no dividends were paid (2024 - £Nil). The directors do not recommend the payment of a final dividend.

Directors

The directors who served during the year were:

A D Clark 
J M Holladay 

Future developments and outlook for the group

The Group continually seeks new opportunities to acquire development land and options over potential development land.

The directors believe that the Group is well positioned to prosper in the future and to continue to operate profitably.

Page 3

 
NORFOLK HOMES HOLDINGS LIMITED
 

DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025

Greenhouse gas emissions, energy consumption and energy efficiency action

The Group's greenhouse gas emissions and energy consumption are as follows: 


2025
2024

Emissions resulting from activities for which the Group is responsible involving the combustion of gas or consumption of fuel for the purposes of transport (in tonnes of CO2 equivalent)
218.066
183.217

Emissions resulting from the purchase of the electricity by the Group for its own use, including the purposes of transport (in tonnes of CO2 equivalent)
43.812
83.536

Energy consumed from activities for which the Group is responsible involving the combustion of gas, or the consumption of fuel for the purposes of transport, and the annual quantity of energy consumed resulting from the purchase of electricity by the Group for its own use, including for the purposes of transport, in kWh
1,253,902
1,262,553

All conversion factors and fuel properties used in this report have been taken from the 2024 "UK Government Greenhouse Gas Conversion Factors for Company Reporting".

During the year the group made a commitment to replace its fleet of motor cars with electric versions.

This equates to an intensity ratio of  kgCO2e 0.0048 (2024 - 0.0059) or 0.023 kWh (2024 - 0.028) per £1 of turnover.

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 and the Group's auditors 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 and the Group's auditors are aware of that information.

Post balance sheet events

There have been no significant events affecting the Group since the period end that require adjustment to these financial statements.

Auditors

The auditors, Larking Gowen LLP, will be proposed for reappointment in accordance with Section 485 of the Companies Act 2006.

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





A D Clark
Director

Date: 26 September 2025

Page 4

 
NORFOLK HOMES HOLDINGS LIMITED

 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF NORFOLK HOMES HOLDINGS LIMITED

Opinion

We have audited the financial statements of Norfolk Homes Holdings Limited (the 'parent Company') and its subsidiaries (the 'Group') for the year ended 31 March 2025, which comprise the Consolidated Statement of Comprehensive Income, the Consolidated Balance Sheet, the Company Balance Sheet, the Consolidated Statement of Cash Flows, the Consolidated Statement of Changes in Equity, the Company 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 Group's and of the parent Company's affairs as at 31 March 2025 and of the Group's 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 Group 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 Group's or the parent 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.


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.


Page 5

 
NORFOLK HOMES HOLDINGS LIMITED
 

INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF NORFOLK HOMES HOLDINGS LIMITED (CONTINUED)

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 Group 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 Group 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 Group and the parent Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Group 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 by the parent Company, or returns adequate for our audit have not been received from branches not visited by us; or
the parent Company 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 3, 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 Group's and the parent 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 Group or the parent Company or to cease operations, or have no realistic alternative but to do so.


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 Group 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:

Extent to which the audit was considered capable of detecting irregularities including fraud

Due to the field in which the Group operates, we identified the areas most likely to have a direct material impact on the financial statements as compliance with UK tax legislation, UK accounting standards and the Companies Act 2006. In addition, we considered the provisions of other laws and regulations which whilst not having a direct impact on the financial statements, are fundamental to the Group's ability to operate including compliance with building regulations; Health and Safety; employment law (including Working Time Directive); and anti-bribery and corruption.
 
Page 6

 
NORFOLK HOMES HOLDINGS LIMITED
 

INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF NORFOLK HOMES HOLDINGS LIMITED (CONTINUED)

Our approach to identifying and assessing the risk of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, included the following:
 
Enquiries with management and those charged with governance around actual and potential litigation and claims;
Enquiries of entity staff in the finance function to identify any instances of non-compliance with laws and regulations;
Reviewing minutes of management and board meetings;
Reviewing financial statement disclosures and testing to supporting documentation to assess compliance with applicable laws and regulations;
Challenging assumptions and judgments made by management in their significant accounting estimates, in particular in relation to the net realisable value of land bank and work in progress adjustments and valuations; and
Auditing the risk of management override of controls, including through testing journal entries and other adjustments for appropriateness and evaluating the business rationale of significant transactions outside the normal course of business.

Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.


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.






Anders Rasmussen FCA (Senior Statutory Auditor)
  
for and on behalf of
Larking Gowen LLP
 
Chartered Accountants
Statutory Auditors
  
Norwich

26 September 2025
Page 7

 
NORFOLK HOMES HOLDINGS LIMITED


CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 MARCH 2025

2025
2024
Note
£
£

  

Turnover
 4 
53,596,794
44,558,740

Cost of sales
  
(37,697,859)
(31,693,427)

Gross profit
  
15,898,935
12,865,313

Selling and direct expenses
  
(4,198,874)
(4,491,292)

Administration expenses
  
(3,521,394)
(2,949,835)

Other operating income
 5 
21,000
21,000

Operating profit
  
8,199,667
5,445,186

Interest receivable and similar income
  
100,687
7,883

Interest payable and similar expenses
 9 
(574,657)
(553,711)

Profit before taxation
  
7,725,697
4,899,358

Tax on profit
 10 
(2,194,682)
(1,459,254)

Profit for the financial year
  
5,531,015
3,440,104

  

Total comprehensive income for the year
  
5,531,015
3,440,104

There were no recognised gains and losses for 2025 or 2024 other than those included in the consolidated statement of comprehensive income.

The notes on pages 15 to 28 form part of these financial statements.



Page 8

 
NORFOLK HOMES HOLDINGS LIMITED
REGISTERED NUMBER:12177661

CONSOLIDATED BALANCE SHEET
AS AT 31 MARCH 2025

2025
2024
Note
£
£

Fixed assets
  

Intangible assets
 11 
1,030,558
1,325,002

Tangible assets
 12 
1,914,164
1,833,701

  
2,944,722
3,158,703

Current assets
  

Stocks
 14 
79,780,541
50,783,620

Debtors: amounts falling due within one year
 15 
3,415,833
3,176,705

Cash at bank and in hand
 16 
3,899,182
9,162,338

  
87,095,556
63,122,663

Creditors: amounts falling due within one year
 17 
(23,295,288)
(10,123,582)

Net current assets
  
 
 
63,800,268
 
 
52,999,081

Total assets less current liabilities
  
66,744,990
56,157,784

Creditors: amounts falling due after more than one year
 18 
(14,180,250)
(9,139,000)

Provisions for liabilities
  

Deferred taxation
 19 
(284,885)
(296,943)

Net assets
  
52,279,855
46,721,841


Capital and reserves
  

Called up share capital 
 20 
125
111

Share premium account
 21 
26,985
-

Revaluation reserve
 21 
362,184
362,184

Profit and loss account
 21 
51,890,561
46,359,546

  
52,279,855
46,721,841


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





A D Clark
Director

Date: 26 September 2025

The notes on pages 15 to 28 form part of these financial statements.



Page 9

 
NORFOLK HOMES HOLDINGS LIMITED
REGISTERED NUMBER:12177661

COMPANY BALANCE SHEET
AS AT 31 MARCH 2025

2025
2024
Note
£
£

Fixed assets
  

Investments
 13 
26,372,100
26,372,100

Current assets
  

Debtors: amounts falling due within one year
 15 
26,999
-

Cash at bank and in hand
 16 
264
299

  
27,263
299

Creditors: amounts falling due within one year
 17 
(3,027,936)
(2,954,402)

Net current liabilities
  
 
 
(3,000,673)
 
 
(2,954,103)

Total assets less current liabilities
  
23,371,427
23,417,997

  

Creditors: amounts falling due after more than one year
 18 
(6,156,000)
(9,139,000)

  

Net assets
  
17,215,427
14,278,997


Capital and reserves
  

Called up share capital 
 20 
125
111

Share premium account
 21 
26,985
-

Profit and loss account brought forward
  
14,278,886
11,429,948

Profit for the year

  

2,909,431
2,848,938

Profit and loss account carried forward
  
17,188,317
14,278,886

  
17,215,427
14,278,997


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





A D Clark
Director

Date: 26 September 2025

The notes on pages 15 to 28 form part of these financial statements.

Page 10

 
NORFOLK HOMES HOLDINGS LIMITED


CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025


Called up share capital
Share premium account
Revaluation reserve
Profit and loss account
Total equity

£
£
£
£
£


At 1 April 2023
111
-
362,184
42,919,442
43,281,737


Comprehensive income for the year

Profit for the year
-
-
-
3,440,104
3,440,104



At 1 April 2024
111
-
362,184
46,359,546
46,721,841


Comprehensive income for the year

Profit for the year
-
-
-
5,531,015
5,531,015


Transactions with shareholders

Shares issued during the year
14
26,985
-
-
26,999


At 31 March 2025
125
26,985
362,184
51,890,561
52,279,855


The notes on pages 15 to 28 form part of these financial statements.

Page 11

 
NORFOLK HOMES HOLDINGS LIMITED


COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025


Called up share capital
Share premium account
Profit and loss account
Total equity

£
£
£
£


At 1 April 2023
111
-
11,429,948
11,430,059


Comprehensive income for the year

Profit for the year
-
-
2,848,938
2,848,938



At 1 April 2024
111
-
14,278,886
14,278,997


Comprehensive income for the year

Profit for the year
-
-
2,909,431
2,909,431


Transactions with shareholders

Shares issued during the year
14
26,985
-
26,999


At 31 March 2025
125
26,985
17,188,317
17,215,427


The notes on pages 15 to 28 form part of these financial statements.

Page 12

 
NORFOLK HOMES HOLDINGS LIMITED


CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2025

2025
2024
£
£

Cash flows from operating activities

Profit for the financial year
5,531,015
3,440,104

Adjustments for:

Amortisation of intangible assets
294,444
294,444

Depreciation of tangible assets
432,634
405,595

(Profit) / loss on disposal of tangible assets
(29,731)
2,022

Interest payable
574,657
553,711

Interest receivable
(100,687)
(7,883)

Taxation charge
2,194,683
1,459,254

(Increase)/decrease in stocks
(28,996,921)
6,759,802

(Increase) in debtors
(216,277)
(1,497,931)

Increase/(decrease) in creditors
18,264,360
(428,662)

Corporation tax (paid)
(1,480,865)
(1,682,773)

Net cash generated from operating activities

(3,532,688)
9,297,683


Cash flows from investing activities

Purchase of tangible fixed assets
(602,580)
(357,544)

Sale of tangible fixed assets
119,214
51,036

Interest received
104,835
3,735

Net cash from investing activities

(378,531)
(302,773)

Cash flows from financing activities

Repayment of loan notes
(2,920,000)
(2,856,000)

Interest paid
(565,613)
(570,511)

Net cash used in financing activities
(3,485,613)
(3,426,511)

Net (decrease)/increase in cash and cash equivalents
(7,396,832)
5,568,399

Cash and cash equivalents at beginning of year
9,162,338
3,593,939

Cash and cash equivalents at the end of year
1,765,506
9,162,338


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
3,899,182
9,162,338

Bank overdrafts
(2,133,676)
-

1,765,506
9,162,338


Page 13

 
NORFOLK HOMES HOLDINGS LIMITED


CONSOLIDATED ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 31 MARCH 2025




At 1 April 2024
Cash flows
At 31 March 2025
£

£

£

Cash at bank and in hand

9,162,338

(5,263,156)

3,899,182

Bank overdrafts

-

(2,133,676)

(2,133,676)

Debt due within 1 year

(5,776,446)

(1,643,627)

(7,420,073)

Debt due after 1 year

(9,139,000)

2,983,000

(6,156,000)


(5,753,108)
(6,057,459)
(11,810,567)

The notes on pages 15 to 28 form part of these financial statements.

Page 14

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

1.


General information

Norfolk Homes Holdings Limited is a private company, limited by shares, incorporated in England and Wales. The company's registered office is 52 Cambridge Road South, London, W4 3DA. The company's principle place of business is Weybourne Road, Sheringham, Norfolk, NR26 8WB.

The group's consolidated financial statements have been prepared in compliance with FRS 102 as it applies to the financial statements of the group for the year ended 31 March 2025.

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 financial statements are presented in sterling which is the functional currency of the company.

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

The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own Statement of Comprehensive Income in these financial statements.

The following principal accounting policies have been applied:

 
2.2

Basis of consolidation

The consolidated financial statements present the results of the Company and its own subsidiaries ("the Group") as if they form a single entity. Intercompany transactions and balances between group companies are therefore fully eliminated.

The consolidated financial statements incorporate the results of business combinations using the purchase method. In the Statement of financial position, the acquiree’s identifiable assets, liabilities and contingent liabilities are initially recognised at their fair values at the acquisition date. The results of acquired operations are included in the Consolidated statement of comprehensive income from the date on which control is obtained. They are deconsolidated from the date control ceases.

 
2.3

Going concern

The directors have considered the economic and trading outlook and the company's overall financial position at the time of signing these accounts. Based on this assessment, having reviewed budgets and forecast projections and taking account of the company's financial strength the directors have concluded that they are confident that the company will have adequate resources to continue successful operations for the foreseeable future and for a period of no less than twelve months from the date of signing these financial statements, and accordingly continue to adopt the going concern basis of accounting in preparing these financial statements.

Page 15

 
NORFOLK HOMES HOLDINGS LIMITED


NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.4

Turnover

Turnover represents the value of house sales and is recognised where contracts for sale have been completed at the year end. Deposits received on exchange of contracts prior to the year end are also included within turnover on the basis that these are non-refundable. Turnover excludes Value Added Tax.

Certain sales of social housing comprise two separate contracts - one for the sale of developed land (at 'Golden Brick' stage) and another for the balance of the construction of the houses. The group has determined that the land and buildings comprise one performance obligation which are inextricably linked. As a result, revenue for social housing is recognised upon legal completion of the social housing units. Golden Brick payments are credited to work in progress until the revenue for the units are recognised.

 
2.5

Interest income

Interest income is recognised in the Statement of Comprehensive Income using the effective interest method.

 
2.6

Finance costs

Finance costs are charged to the Statement of Comprehensive Income 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.

 
2.7

Pensions

Defined contribution pension plan

The Group operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Group pays fixed contributions into a separate entity. Once the contributions have been paid the Group has no further payment obligations.

The contributions are recognised as an expense in the Statement of Comprehensive Income when they fall due. Amounts not paid are shown in accruals as a liability in the Balance Sheet. The assets of the plan are held separately from the Group in independently administered funds.

 
2.8

Current and deferred taxation

The taxation expense for the year comprises current and deferred tax. Taxation is recognised in the Statement of Comprehensive Income.

The current corporation 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 United Kingdom.


The charge for taxation takes into account taxation deferred or accelerated as a result of all material timing differences between the treatment of certain items for taxation and accounting purposes. Deferred tax assets are recognised only to the extent that they are regarded as recoverable within the foreseeable future. Deferred tax assets and liabilities are not discounted.

Page 16

 
NORFOLK HOMES HOLDINGS LIMITED


NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.9

Intangible assets

Goodwill and amortisation

Goodwill is the difference between amounts paid on the acquisition of a business and the fair value of the identifiable assets and liabilities. It is amortised to the Statement of Comprehensive Income over its estimated economic life of nine years.
Details relating to goodwill included in the consolidated financial statements is shown in note 11.

 
2.10

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses.

Depreciation is provided at rates calculated to write off the cost of fixed assets over their estimated useful lives. Freehold land is not depreciated.

Depreciation is provided on the following basis:

Freehold trading property
-
2%
straight line
Plant and machinery
-
25%
reducing balance
Motor vehicles
-
25%
reducing balance
Showhouse furniture
-
15%
reducing balance
Office equipment
-
25%
reducing balance


Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in the Statement of Comprehensive Income.

 
2.11

Revaluation of tangible fixed assets

Freehold investment properties are included at fair value determined from market based evidence and assessed by the directors.


 
2.12

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

 
2.13

Stocks

Stocks and work in progress comprise development land and properties under construction and are valued at the lower of cost and net realisable value. The cost of work in progress includes all direct construction costs. Net realisable value is based on estimated selling price. Development land is included where contracts to purchase land have been exchanged prior to the year end. The corresponding liability is included in creditors.


 
2.14

Debtors

Debtors are measured at transaction price, less any impairment for bad or doubtful debts.

Page 17

 
NORFOLK HOMES HOLDINGS LIMITED


NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.15

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 six months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.


 
2.16

Creditors

Trade and short term creditors are measured at the transaction price. Other financial liabilities, including loan notes, are measured initially at fair value, net of transaction costs, and subsequently at amortised cost using the effective interest method.

 
2.17

Provisions for liabilities

Provisions are made where an event has taken place that gives the Group a legal or constructive obligation that probably requires settlement by a transfer of economic benefit, and a reliable estimate can be made of the amount of the obligation.
Provisions are charged as an expense to the Statement of Comprehensive Income in the year that the Group becomes aware of the obligation, and are measured at the best estimate at the Balance Sheet date of the expenditure required to settle the obligation, taking into account relevant risks and uncertainties.
When payments are eventually made, they are charged to the provision carried in the Balance Sheet.
 
 
2.18

Financial instruments

Basic financial assets and liabilities

Basic financial instruments relate to transactions that result in the recognition of financial  assets and liabilities at transaction price like trade and other debtors, creditors, loans from banks and other third parties. Debt instruments (other than those wholly repayable or receivable within one year), also include financing transactions where loans are financed at a rate which is not considered to be a market rate of interest. Transactions of this type are initially measured at the present value of future cash flows, discounted at a market rate of interest for a similar debt instrument


3.


Judgments in applying group accounting policies

The preparation of the financial statements involves, in certain areas, the use of accounting estimates and management judgment. The key areas involving estimates and judgments are as follows:

The valuation of work in progress, incorporating assessments of, future income and future costs, taking prudent account of economic circumstances.

The appropriate method and rate for depreciation of tangible fixed assets.

The assessment of the fair value of Freehold Property involves a degree of judgement and estimation by the directors taking account of market based evidence for the value of commercial property.

Page 18

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

4.


Turnover

The whole of the turnover is attributable to house building.

Analysis of turnover by country of destination:

2025
2024
£
£

United Kingdom
53,596,794
44,558,740

53,596,794
44,558,740





5.


Other operating income

2025
2024
£
£

Net rents receivable
21,000
21,000

21,000
21,000





6.


Auditors' remuneration

During the year, the Group obtained the following services from the Group's auditors:


2025
2024
£
£

Fees payable to the Group's auditor for the audit of the consolidated and parent Company's financial statements
35,750
23,750

Fees payable to the Group's auditor in respect of:

Taxation compliance services
-
9,000

All non-audit services not included above
-
30,657

Page 19

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

7.


Employees

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


Group
Group
2025
2024
£
£


Wages and salaries
4,918,643
4,866,016

Social security costs
595,264
576,515

Cost of defined contribution pension scheme
223,990
251,433

5,737,897
5,693,964


The average monthly number of employees, including the directors, during the year was as follows:



Group
Group
Company
Company
        2025
        2024
        2025
        2024
            No.
            No.
            No.
            No.









Office, administration and managerial
15
17
1
1



Production
34
35
-
-



Sales and marketing
5
5
-
-

54
57
1
1




8.


Directors' remuneration

During the year, the directors received emoluments amounting to £585,731 (2024 - £653,072) from the company's subsisdiary in respect of services provided to the company. The highest paid director received remuneration of £476,903 (2024 - £475,917).


During the year retirement benefits were accruing to no directors (2024 - Nil) in respect of defined contribution pension schemes. The value of the Company's contributions paid to directors defined contribution pension schemes amounted to £Nil (2024 - £Nil). The value of the Company's contributions paid to a defined contribution pension scheme in respect of the highest paid director amounted to £Nil (2024 - £Nil).





9.


Interest payable and similar expenses

2025
2024
£
£


Bank interest payable
117,723
17

Other loan interest payable
456,934
553,694

574,657
553,711

Page 20

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

10.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
2,206,740
1,481,227


Total current tax
2,206,740
1,481,227

Deferred tax


Origination and reversal of timing differences
(12,058)
(21,973)

Total deferred tax
(12,058)
(21,973)


2,194,682
1,459,254

Factors affecting tax charge for the year

The tax assessed for the year is higher than (2024 - higher than) the standard rate of corporation tax in the UK of 25% (2024 - 25%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
7,725,697
4,899,358


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 25%)
1,931,424
1,224,840

Effects of:


Non-tax deductible amortisation of goodwill and impairment
73,611
73,611

Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
190,560
160,984

Depreciation for year in excess of capital allowances
12,390
22,411

Adjustments to tax charge in respect of prior periods
(370)
-

Deferred taxation
(12,057)
(21,973)

Marginal relief
(876)
(619)

Total tax charge for the year
2,194,682
1,459,254


Factors that may affect future tax charges

There were no factors that may affect future tax charges.

Page 21

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

11.


Intangible assets

Group





Goodwill

£



Cost


At 1 April 2024
2,650,000



At 31 March 2025

2,650,000



Amortisation


At 1 April 2024
1,324,998


Charge for the year on owned assets
294,444



At 31 March 2025

1,619,442



Net book value



At 31 March 2025
1,030,558



At 31 March 2024
1,325,002

Goodwill is the difference between amounts paid on the acquisition of a business and the fair value of the identifiable assets and liabilities. It is amortised to the Statement of Comprehensive Income over its estimated economic life of nine years.



Page 22

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

12.


Tangible fixed assets

Group






Freehold property
Plant and machinery
Motor vehicles
Showhouse furniture
Office equipment
Total

£
£
£
£
£
£



Cost or valuation


At 1 April 2024
601,728
2,054,065
497,357
89,562
126,514
3,369,226


Additions
-
283,961
288,782
13,387
16,450
602,580


Disposals
-
(113,081)
(118,935)
-
-
(232,016)



At 31 March 2025

601,728
2,224,945
667,204
102,949
142,964
3,739,790



Depreciation


At 1 April 2024
7,889
1,180,642
245,486
29,352
72,156
1,535,525


Charge for the year on owned assets
1,753
281,679
120,460
11,040
17,702
432,634


Disposals
-
(82,413)
(60,120)
-
-
(142,533)



At 31 March 2025

9,642
1,379,908
305,826
40,392
89,858
1,825,626



Net book value



At 31 March 2025
592,086
845,037
361,378
62,557
53,106
1,914,164



At 31 March 2024
593,839
873,423
251,871
60,210
54,358
1,833,701

Freehold properties are revalued on a fair value basis by the directors. Freehold property includes trading property used in the Group's business which is not held for investment purposes. The cost of trading property was £112,694 (2024 - £112,694). The depreciation charge on trading property amounted to £1,753 (2024 - £1,753). Land relating to trading properties is valued at £25,000.

If the land and buildings had not been included at valuation they would have been included under the historical cost convention as follows:

2025
2024
£
£

Group


Cost
290,477
290,477

Accumulated depreciation
(60,575)
(58,822)

Net book value
229,902
231,655

Page 23

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

13.


Fixed asset investments

Company





Subsidiary companies

£



Cost or valuation


At 1 April 2024
26,372,100



At 31 March 2025
26,372,100





Direct subsidiary undertaking


The following was a direct subsidiary undertaking of the Company:

Name

Registered office

Class of shares

Holding

Dacerell Limited
52 Cambridge Road South, London
Ordinary
100%


Indirect subsidiary undertakings


The following were indirect subsidiary undertakings of the Company:

Name

Registered office

Class of shares

Holding

Norfolk Homes Limited
52 Cambridge Road South, London
Ordinary
100%
Sheridan Clark (Civil Engineering) Limited
52 Cambridge Road South, London
Ordinary
100%
Suffolk Homes Limited
52 Cambridge Road South, London
Ordinary
100%




14.


Stocks

Group
Group
2025
2024
£
£

Development Land
54,950,823
23,673,958

Work in progress
27,842,129
31,177,807

Payments received on account
(3,012,411)
(4,068,145)

79,780,541
50,783,620


The Company's bankers hold first legal charges over freehold development land owned by the company. Land secured at the balance sheet date amounted to £11,418,667 (2024 - £15,553,781).

Page 24

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

15.


Debtors

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£


Trade debtors
229,907
205,885
-
-

Other debtors
3,049,939
2,792,080
-
-

Called up share capital not paid
26,999
-
26,999
-

Prepayments and accrued income
108,988
178,740
-
-

3,415,833
3,176,705
26,999
-





16.


Cash and cash equivalents

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Cash at bank and in hand
3,899,182
9,162,338
264
299

Less: bank overdrafts
(2,133,676)
-
-
-

1,765,506
9,162,338
264
299





17.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Loan notes (2021 - 2028)
2,983,000
2,920,000
2,983,000
2,920,000

Bank overdraft
2,133,676
-
-
-

Trade creditors
11,065,392
2,674,994
-
-

Amounts owed to group undertakings
-
-
37,936
28,402

Corporation tax
1,477,144
751,268
-
-

Other taxation and social security
770,396
605,428
-
-

Other creditors
4,650,936
2,997,046
-
-

Accruals and deferred income
214,744
174,846
7,000
6,000

23,295,288
10,123,582
3,027,936
2,954,402


The bank overdraft is secured by the Group's bankers in the form of first legal charges over freehold development land owned by the Group.

Trade creditors includes amounts relating to land purchases of £7,667,500 (2024 - £NIL) which are secured by way of first legal charges over the development land to which they relate.

Page 25

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

18.


Creditors: Amounts falling due after more than one year

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Loan notes (2021 - 2028)
6,156,000
9,139,000
6,156,000
9,139,000

Trade creditors
8,024,250
-
-
-

14,180,250
9,139,000
6,156,000
9,139,000


Trade creditors includes amounts relating to land purchases of £8,024,250 (2024 - £NIL) which are secured by way of first legal charges over the development land to which they relate.

The interest free loan notes (2021 - 2028) are repayable in equal annual instalments of £3,160,000 over eight years. In accordance with the treatment required by Financial Reporting Standard 102 this financing transaction has been measured at the present value of future cash flows, discounted at the groups fixed cost of finance for a similar debt instrument at the date of issue of the loan notes.


19.


Deferred taxation


Group



2025
2024


£

£






At 1 April 2024
296,943
318,916


Charged to Statement of Comprehensive Income
(12,058)
(21,973)



At 31 March 2025
284,885
296,943







The provision for deferred taxation is made up as follows:

Group
Group
2025
2024
£
£

Accelerated capital allowances
284,885
296,943

284,885
296,943

               The amount of the net reversal of deferred tax expected to occur next year is £73,034 (2024 - £73,837) relating to the reversal of existing timing differences on tangible fixed assets.

Page 26

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

20.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



101 (2024 - 101) A Ordinary shares shares of £1.00 each
101
101
10 (2024 - 10) B Ordinary shares shares of £1.00 each
10
10

111

111

Allotted, called up and partly paid



7 (2024 - Nil) C Ordinary Shares shares of £1.00 each
7
-
7 (2024 - Nil) D Ordinary shares shares of £1.00 each
7
-

14

-

During the year 7 C Ordinary £1 shares and 7 D Ordinary £1 shares were issued at valuation.

The A Ordinary shares entitle the holder to one vote for each share held, rights to participate in dividends and other distributions and rights to participate in capital distributions.

The B Ordinary shares entitle the holder to rights to participate in dividends and other distributions and rights to participate in capital distributions when certain thresholds are reached.

The C Ordinary and D Ordinary shares entitle the holder to rights to participate in dividends and other distributions and rights to participate in capital distributions when certain thresholds are reached.



21.


Reserves

Share premium account

Share premium represents the difference between the amount paid for the C and D Ordinary shares above the nominal value.

Revaluation reserve

The property revaluation reserve comprises unrealised revaluation gains on freehold property. The property revaluation reserve is not distributable.

Profit and loss account

The Profit and Loss account includes all current and prior year retained profits and losses.

Page 27

 
NORFOLK HOMES HOLDINGS LIMITED

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

22.


Contingent liabilities

An election has been made for the group of undertakings of which this Company is a member to be treated as a single entity for VAT purposes. The Company has therefore been required to provide guarantees in respect of any liability for Value Added Tax by the other undertakings within the group. The level of exposure at year end is £NIL (2024 - £NIL).
The Company's bankers hold a letter of set-off and unlimited guarantees between the Company and the other members of the group. The arrangement is reciprocated. The level of exposure at year end is £NIL (2024 - £NIL).
The Group has provided bonds of £3,434,608 
(2024 - £4,753,920) to Norfolk County Council in respect of various development sites. The bonds would become payable following any default on the conditions of the bonds.


23.


Pension commitments

The Group operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Group  in an independently administered fund. The pension cost charge represents contributions payable by the Group  to the fund and amounted to £223,990 (2024 - £251,434). Contributions totalling £27,436 (2024 - £NIL) were payable to the fund at the Balance Sheet date and included in other creditors.


24.


Related party transactions

The Company has taken advantage of the exemption under FRS 102 from disclosing transactions with wholly owned Group undertakings.

Included within other creditors (note 17) are unsecured loans from a director's family amounting to £4,317,270 (2024 - £2,708,520). Interest paid during the year amounted to £234,000 (2024 - £247,000) and interest due at the year end amounted to £60,000 (2024 - £79,000). Fee charges paid by the Company on these loans during the year amounted to £133,000 (2024 - £129,000).
During the year the Group paid rent on showhouse properties owned by members of a director's family. No formal rental agreement exists for this arrangement and rent paid during the period amounted to £137,250 
(2024 - £259,500).

At the year end, the balance on the directors' loan accounts owed by the Company was £89,665 (2024 - £127,262), which are on an interest-free basis.
During the year, the Group acquired land totalling £1,105,650 from one of the directors' pension schemes.
During the year, development land totalling £448,310 was purchased from Norfolk Land Limited, a company which is owned by the directors and various members of their families and controlled by the directors of Norfolk Homes Limited. At the year end Norfolk Land Limited owed £2,480,053 
(2024 - £2,402,160) to the Group.

Key Group management personnel remuneration for the year totalled £2,182,623 (2024 - £1,539,433).

25.


Controlling party

The controlling party is A D Clark, a director of the company.


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