Company registration number 15476226 (England and Wales)
VISIBLE MORTGAGE SOLUTIONS LIMITED
UNAUDITED FINANCIAL STATEMENTS
FOR THE PERIOD ENDED 30 JUNE 2025
PAGES FOR FILING WITH REGISTRAR
VISIBLE MORTGAGE SOLUTIONS LIMITED
CONTENTS
Page
Balance sheet
1
Notes to the financial statements
2 - 4
VISIBLE MORTGAGE SOLUTIONS LIMITED
BALANCE SHEET
AS AT
30 JUNE 2025
30 June 2025
- 1 -
2025
Notes
£
£
Fixed assets
Investments
3
40
Current assets
Debtors
4
100
Cash at bank and in hand
21,886
21,986
Creditors: amounts falling due within one year
5
(5,926)
Net current assets
16,060
Net assets
16,100
Capital and reserves
Called up share capital
6
100
Profit and loss reserves
16,000
Total equity
16,100

For the financial period ended 30 June 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

T he members have not required the company to obtain an audit of its financial statements for the period in question in accordance with section 476.

The director acknowledges his responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

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

The director of the company has elected not to include a copy of the profit and loss account within the financial statements.true

The financial statements were approved and signed by the director and authorised for issue on 5 November 2025
Mr R D Orme
Director
Company registration number 15476226 (England and Wales)
VISIBLE MORTGAGE SOLUTIONS LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE PERIOD ENDED 30 JUNE 2025
- 2 -
1
Accounting policies
Company information

Visible Mortgage Solutions Limited is a private company limited by shares incorporated in England and Wales. The registered office is 88 Hill Village Road, Sutton Coldfield, West Midlands, England, B75 5BE.

1.1
Basis of preparation

These financial statements have been prepared in accordance with FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime. The disclosure requirements of section 1A of FRS 102 have been applied other than where additional disclosure is required to show a true and fair view.

The financial statements are prepared in sterling, which is the functional currency of the company. Monetary a mounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

Turnover is recognised at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

1.2
Fixed asset investments

Investments in associated undertakings are stated at cost.

1.3
Taxation

The tax expense represents the sum of the tax currently payable and deferred tax.

Current tax

The tax currently payable is based on taxable profit for the year. Taxable profit differs from net profit as reported in the profit and loss account because it excludes items of income or expense that are taxable or deductible in other years and it further excludes items that are never taxable or deductible. The company’s liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the reporting end date.

Deferred tax

Deferred tax liabilities are generally recognised for all timing differences and deferred tax assets are recognised to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits. Such assets and liabilities are not recognised if the timing difference arises from goodwill or from the initial recognition of other assets and liabilities in a transaction that affects neither the tax profit nor the accounting profit.

The carrying amount of deferred tax assets is reviewed at each reporting end date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered. Deferred tax is calculated at the tax rates that are expected to apply in the period when the liability is settled or the asset is realised. Deferred tax is charged or credited in the profit and loss account, except when it relates to items charged or credited directly to equity, in which case the deferred tax is also dealt with in equity. Deferred tax assets and liabilities are offset when the company has a legally enforceable right to offset current tax assets and liabilities and the deferred tax assets and liabilities relate to taxes levied by the same tax authority.

VISIBLE MORTGAGE SOLUTIONS LIMITED
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE PERIOD ENDED 30 JUNE 2025
- 3 -
2
Employees

The average monthly number of persons (including directors) employed by the company during the period was:

2025
Number
Total
1
3
Fixed asset investments
2025
£
Shares in group undertakings and participating interests
40
Movements in fixed asset investments
Shares in associates
£
Cost or valuation
At 9 February 2024
-
Additions
40
At 30 June 2025
40
Carrying amount
At 30 June 2025
40
4
Debtors
2025
Amounts falling due within one year:
£
Other debtors
100
5
Creditors: amounts falling due within one year
2025
£
Amounts owed to group undertakings
1,926
Other creditors
4,000
5,926
VISIBLE MORTGAGE SOLUTIONS LIMITED
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE PERIOD ENDED 30 JUNE 2025
- 4 -
6
Called up share capital
2025
2025
Ordinary share capital
Number
£
Issued and fully paid
Ordinary shares of £1 each
100
100

100 ordinary shares of £1 each were allotted and fully paid for cash at par during the period.

2025-06-30 2024-02-09 false false false 05 November 2025 CCH Software CCH Accounts Production 2025.200 No description of principal activity Mr R D Orme 15476226 2024-02-09 2025-06-30 15476226 2025-06-30 15476226 core:ShareCapital 2025-06-30 15476226 core:RetainedEarningsAccumulatedLosses 2025-06-30 15476226 core:ShareCapitalOrdinaryShareClass1 2025-06-30 15476226 bus:Director1 2024-02-09 2025-06-30 15476226 core:WithinOneYear 2025-06-30 15476226 core:CurrentFinancialInstruments 2025-06-30 15476226 bus:OrdinaryShareClass1 2024-02-09 2025-06-30 15476226 bus:OrdinaryShareClass1 2025-06-30 15476226 bus:PrivateLimitedCompanyLtd 2024-02-09 2025-06-30 15476226 bus:SmallCompaniesRegimeForAccounts 2024-02-09 2025-06-30 15476226 bus:FRS102 2024-02-09 2025-06-30 15476226 bus:AuditExemptWithAccountantsReport 2024-02-09 2025-06-30 15476226 bus:FullAccounts 2024-02-09 2025-06-30 xbrli:pure xbrli:shares iso4217:GBP