Acorah Software Products - Accounts Production 16.5.460 false true 31 March 2024 1 April 2023 false 1 April 2024 31 March 2025 31 March 2025 03970121 Mr Giustin Valvona Ms Kerri Andrews iso4217:GBP iso4217:EUR iso4217:USD xbrli:shares xbrli:pure xbrli:pure 03970121 2024-03-31 03970121 2025-03-31 03970121 2024-04-01 2025-03-31 03970121 frs-core:CurrentFinancialInstruments 2025-03-31 03970121 frs-core:Non-currentFinancialInstruments 2025-03-31 03970121 frs-core:FurnitureFittings 2025-03-31 03970121 frs-core:FurnitureFittings 2024-04-01 2025-03-31 03970121 frs-core:FurnitureFittings 2024-03-31 03970121 frs-core:MotorVehicles 2025-03-31 03970121 frs-core:MotorVehicles 2024-04-01 2025-03-31 03970121 frs-core:MotorVehicles 2024-03-31 03970121 frs-core:WithinOneYear 2025-03-31 03970121 frs-core:ShareCapital 2025-03-31 03970121 frs-core:RetainedEarningsAccumulatedLosses 2025-03-31 03970121 frs-bus:PrivateLimitedCompanyLtd 2024-04-01 2025-03-31 03970121 frs-bus:FilletedAccounts 2024-04-01 2025-03-31 03970121 frs-bus:SmallEntities 2024-04-01 2025-03-31 03970121 frs-bus:AuditExempt-NoAccountantsReport 2024-04-01 2025-03-31 03970121 frs-bus:SmallCompaniesRegimeForAccounts 2024-04-01 2025-03-31 03970121 frs-bus:Director1 2024-04-01 2025-03-31 03970121 frs-bus:Director2 2024-04-01 2025-03-31 03970121 frs-countries:EnglandWales 2024-04-01 2025-03-31 03970121 2023-03-31 03970121 2024-03-31 03970121 2023-04-01 2024-03-31 03970121 frs-core:CurrentFinancialInstruments 2024-03-31 03970121 frs-core:Non-currentFinancialInstruments 2024-03-31 03970121 frs-core:BetweenOneFiveYears 2024-03-31 03970121 frs-core:WithinOneYear 2024-03-31 03970121 frs-core:ShareCapital 2024-03-31 03970121 frs-core:RetainedEarningsAccumulatedLosses 2024-03-31
Registered number: 03970121
Just 4 Mortgages Limited
Financial Statements
For The Year Ended 31 March 2025
Just 4 Mortgages Limited
Contents
Contents

| Page
--- | ---
Balance Sheet | 1—2
Notes to the Financial Statements | 3—5

Page 1
Just 4 Mortgages Limited
Balance Sheet
As At 31 March 2025
Balance Sheet
Registered number: 03970121

| 2025 | 2024
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Tangible Assets | 4 |  | 21,000 |  | 28,200
|  |  | 21,000 |  | 28,200
CURRENT ASSETS
Debtors | 5 | 15,524 |  | 16,573 |
Cash at bank and in hand |  | 141,447 |  | 71,781 |
|  | 156,971 |  | 88,354 |
Creditors: Amounts Falling Due Within One Year | 6 | (46,095 ) |  | (23,820 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | 110,876 |  | 64,534
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 131,876 |  | 92,734
Creditors: Amounts Falling Due After More Than One Year | 7 |  | (1,667 ) |  | (15,303 )
NET ASSETS |  |  | 130,209 |  | 77,431
CAPITAL AND RESERVES
Called up share capital | 9 |  | 105 |  | 105
Profit and Loss Account |  |  | 130,104 |  | 77,326
SHAREHOLDERS' FUNDS |  |  | 130,209 |  | 77,431

Page 1
Page 2
Just 4 Mortgages Limited
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 directors acknowledge their 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 Giustin Valvona Director
23 October 2025

The notes on pages 3 to 5 form part of these financial statements.
Page 2
Page 3
Just 4 Mortgages Limited
Notes to the Financial Statements
For The Year Ended 31 March 2025
Notes to the Financial Statements
1. General Information
Just 4 Mortgages Limited is a private company, limited by shares, incorporated in England & Wales, registered number 03970121 . The registered office is 29 Leeming Street, Mansfield, NG18 1NA.
2. Accounting Policies
2.1. 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.
2.2. Turnover
Turnover is measured at the fair value of the consideration received or receivable, net of discounts and value added taxes. Turnover includes revenue earned from the sale of goods and from the rendering of services. Turnover is reduced for estimated customer returns, rebates and other similar allowances.
Sale of goods
Turnover from the sale of goods is recognised when the significant risks and rewards of ownership of the goods has transferred to the buyer. This is usually at the point that the customer has signed for the delivery of the goods.
Rendering of services
Turnover from the rendering of services is recognised by reference to the stage of completion of the contract. The stage of completion of a contract is measured by comparing the costs incurred for work performed to date to the total estimated contract costs. Turnover is only recognised to the extent of recoverable expenses when the outcome of a contract cannot be estimated reliably.
2.3. Tangible Fixed Assets and Depreciation
Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Motor Vehicles | 25% straight line
Fixtures & Fittings | 50% straight line

2.4. Taxation
Income tax expense represents the sum of the tax currently payable and deferred tax.
The tax currently payable is based on taxable profit for the year. The company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the end of the reporting period.
Deferred tax is recognised on timing differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. The carrying amount of deferred tax assets is reviewed at the end of each reporting period.
Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realised, based on tax rates (and tax laws) that have been enacted or substantively enacted by the end of the reporting period. Deferred tax liabilities are presented within provisions for liabilities and deferred tax assets within debtors.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 8 (2024: 8)
8 8
Page 3
Page 4
Just 4 Mortgages Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2025
4. Tangible Assets

| Motor Vehicles | Fixtures & Fittings | Total
--- | --- | --- | ---
| £ | £ | £
Cost
As at 1 April 2024 | 36,000 | 38,678 | 74,678
As at 31 March 2025 | 36,000 | 38,678 | 74,678
Depreciation
As at 1 April 2024 | 7,800 | 38,678 | 46,478
Provided during the period | 7,200 | - | 7,200
As at 31 March 2025 | 15,000 | 38,678 | 53,678
Net Book Value
As at 31 March 2025 | 21,000 | - | 21,000
As at 1 April 2024 | 28,200 | - | 28,200

5. Debtors

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Due within one year
Prepayments and accrued income | 585 |  | 1,634
Amounts owed by associated company | 14,939 |  | 14,939
| 15,524 |  | 16,573

6. Creditors: Amounts Falling Due Within One Year

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Net obligations under finance lease and hire purchase contracts | 3,636 |  | 3,967
Bank loans and overdrafts | 10,000 |  | 10,000
Corporation tax | 19,227 |  | -
Other taxes and social security | 4,815 |  | 4,427
Other creditors | 855 |  | 794
Accruals and deferred income | 7,511 |  | 4,276
Directors' loan accounts | 51 |  | 356
| 46,095 |  | 23,820

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

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Net obligations under finance lease and hire purchase contracts | - |  | 3,636
Bank loans | 1,667 |  | 11,667
| 1,667 |  | 15,303

Page 4
Page 5
Just 4 Mortgages Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2025
8. Obligations Under Finance Leases and Hire Purchase

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
The future minimum finance lease payments are as follows:
Not later than one year | 3,636 |  | 3,967
Later than one year and not later than five years | - |  | 3,636
| 3,636 |  | 7,603
| 3,636 |  | 7,603

9. Share Capital

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 105 |  | 105

Page 5