Scotia Financial And Mortgage Services Ltd.

	Page
Balance Sheet	1—2
Notes to the Financial Statements	3—4

Registered number: SC298270

		2025		2024
	Notes	£	£	£	£
CURRENT ASSETS
Debtors	3	100		100
Cash at bank and in hand		12,246		12,028

		12,346		12,128
Creditors: Amounts Falling Due Within One Year	4	(1,793 )		(897 )

NET CURRENT ASSETS (LIABILITIES)			10,553		11,231

TOTAL ASSETS LESS CURRENT LIABILITIES			10,553		11,231

Creditors: Amounts Falling Due After More Than One Year	5		(2,118 )		(3,374 )

NET ASSETS			8,435		7,857

CAPITAL AND RESERVES
Called up share capital	6		100		100
Profit and Loss Account			8,335		7,757

SHAREHOLDERS' FUNDS			8,435		7,857

Page 1

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Scotia Financial And Mortgage Services Ltd.

Balance Sheet (continued)

As At 31 March 2025

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

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The director acknowledges his responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.

On behalf of the board

Mr Murray Jamieson

Director

15/10/2025

The notes on pages 3 to 4 form part of these financial statements.

1. Accounting Policies

1.1. Basis of Preparation of Financial Statements

The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.

1.2. Turnover

Turnover comprises the invoiced value of goods and services supplied by the company, net of Value Added Tax and trade discounts.

2. Average Number of Employees

Average number of employees, including directors, during the year was:

	2025	2024
Office and administration	1	1
Sales, marketing and distribution	1	1

	2	2

3. Debtors

	2025	2024
	£	£
Due within one year
Called up share capital not paid	100	100

4. Creditors: Amounts Falling Due Within One Year

	2025	2024
	£	£
Director's loan account	1,793	897

5. Creditors: Amounts Falling Due After More Than One Year

	2025	2024
	£	£
Bank loans	2,118	3,374

6. Share Capital

	2025	2024
	£	£
Called Up Share Capital not Paid	100	100

Amount of Allotted, Called Up Share Capital	100	100

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Scotia Financial And Mortgage Services Ltd.

Notes to the Financial Statements (continued)

For The Year Ended 31 March 2025

7. Ultimate Controlling Party

The company's ultimate controlling party is Mr. M. Jamieson by virtue of his ownership of 100% of the issued share capital in the company.