JML Mortgage Solutions Ltd

JML Mortgage Solutions Ltd
Statement of Financial Position
As at 31 January 2025

	Notes	2025 £	2024 £
Fixed assets
Tangible fixed assets	3	1,085	95
		1,085	95
Current assets
Cash at bank and in hand		39,145	30,809
Creditors: amount falling due within one year	4	(21,883)	(7,430)
Net current assets		17,262	23,379

Total assets less current liabilities		18,347	23,474
Creditors: amount falling due after more than one year	5	(17,720)	(21,851)
Provisions for liabilities	6	(32)	(32)
Net assets		595	1,591

Capital and reserves
Called up share capital	7	2	2
Profit and loss account		593	1,589
Shareholders' funds		595	1,591

For the year ended 31 January 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476.
The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts.

These financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime. In accordance with Section 444 of the Companies Act 2006, the income statement has not been delivered to the Registrar of Companies.

The financial statements were approved by the board of directors on 08 October 2025 and were signed on its behalf by:

-------------------------------
Michael Lum
Director

JML Mortgage Solutions Ltd
Notes to the Financial Statements
For the year ended 31 January 2025

General Information

JML Mortgage Solutions Ltd is a private company, limited by shares, registered in England and Wales, registration number 11766827, registration address Penny Lane Business Centre, 374 Smithdown Road, Liverpool, Merseyside, L15 5AN.

The presentation currency is £ sterling.

Accounting policies

Significant accounting policies

Statement of compliance

These financial statements have been prepared in compliance with FRS 102 – The Financial Reporting Standard applicable in the UK and Republic of Ireland and the Companies Act 2006.

Basis of preparation

The financial statements have been prepared under the historical cost convention as modified by the revaluation of land and buildings and certain financial instruments measured at fair value in accordance with the accounting policies.

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

2.	Average number of employees Average number of employees during the year was 2 (2024 : 2).

Tangible fixed assets

Cost or valuation	Computer Equipment	Total
	£	£
At 01 February 2024	400	400
Additions	1,352	1,352
Disposals	-	-
At 31 January 2025	1,752	1,752
Depreciation
At 01 February 2024	305	305
Charge for year	362	362
On disposals	-	-
At 31 January 2025	667	667
Net book values
Closing balance as at 31 January 2025	1,085	1,085
Opening balance as at 01 February 2024	95	95

Creditors: amount falling due within one year

	2025 £	2024 £
Trade Creditors	75	75
Corporation Tax	21,808	7,355
	21,883	7,430

Creditors: amount falling due after more than one year

	2025 £		2024 £
Bank Loans & Overdrafts	17,720		21,851
	17,720		21,851

Provisions for liabilities

	2025 £		2024 £
Deferred Tax	32		32
	32		32

Share Capital

Authorised
1 Ordinary A share of £1.00 each
1 B Ordinary share of £1.00 each

Allotted, called up and fully paid	2025 £	2024 £
1 Ordinary A share of £1.00 each	1	1
1 B Ordinary share of £1.00 each	1	1
	2	2

Registered Number: 11766827
England and Wales
Filleted Accounts

for the year ended 31 January 2025
for
JML MORTGAGE SOLUTIONS LTD