Company registration number 13363639 (England and Wales)
HOCH GROUP LIMITED
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
HOCH GROUP LIMITED
COMPANY INFORMATION
Directors
Mr D E Hill
Mr W M Collin
Mr P M Gatty
Mrs B Pryde
Company number
13363639
Registered office
Corby Hill Garage
Corby Hill
Carlisle
CA4 8PL
Auditor
Saint & Co.
Sterling House
Wavell Drive
Rosehill
Carlisle
CA1 2SA
Bankers
Royal Bank of Scotland
151 High Street
Dumfries
DG1 2RA
Solicitors
Burnetts Solicitors
Victoria House
Wavell Drive, Rosehill Industrial Estate
Carlisle
Cumbria
CA1 2ST
HOCH GROUP LIMITED
CONTENTS
Page
Strategic report
1 - 2
Directors' report
3 - 4
Independent auditor's report
5 - 7
Group statement of comprehensive income
8
Group statement of financial position
9
Company statement of financial position
10
Group statement of changes in equity
11
Company statement of changes in equity
12
Group statement of cash flows
13
Notes to the financial statements
14 - 34
HOCH GROUP LIMITED
STRATEGIC REPORT
FOR THE YEAR ENDED 31 MARCH 2025
- 1 -

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

Principal activities

The principal activity of the Group continued to be that of forecourt garage and petrol station proprietors.

Review of the business

The Directors are pleased to report that trading has continues to exceed expectations in 2025 with Profits on Ordinary Activities before taxation of £1,824,822 (2024 - £2,451,449).

Sales Revenue for the year reduced to £68,826,035 (2024 - £71,128,638) as a result of price reduction of fuel. Fuel volumes decreased by 4.34% and by 3.1% respectively for Hills of Corby Hill and Hills of Lakeland and gross profits per litre decreased by 1.96% (2024 – increase of 5.8%) and 10.72% (2024 – increase of 8.5%) for Hills of Corby Hill and Hills of Lakeland respectively. Whilst forecourt shop sales remained similar for Hills of Corby Hill and increased by 3.3% for Hills of Lakeland. Shop margins decreased to 24.19% (2024 – 24.71%) for Hills of Corby Hill and increased to 25.16% (2024 - 24.87%) for Hills of Lakeland. Direct wage and staff pension costs amounted to £4,519,342 (2024 - £4,058,637) an increase of 11.35%. Overall Gross Profits from trading operations amounted to £5,035,218 (2024 - £5,189,660) with profit margins increasing to 7.32% (2024 – 7.30%).

Administration Overheads for 2025 amounted to £3,638,791 (2024 - £3,052,996) an increase of £585,795 over the previous year. This increase was largely due to higher wages, and employer pension contributions.

Other Operating Income in 2025 amounted to £353,531 (2024 - £304,728).

Interest Payable for the year amounted to £3,854 (2024 - £Nil).

The Group’s financial position at 31st March 2025 shows Net Assets increasing to £9,330,217 (2024 - £8,195,085) with cash and cash equivalents improving to £6,248,583 (2024 - £6,076,132).

Dividends paid in the year amounted to £200,000 (2024 - £200,000).

Future Developments

The Directors report that trading conditions remain challenging and expect them to continue to be difficult due to increasing business costs and continuing and increasing reduced customer confidence in the UK economy causing our customers to be especially conscious of value for money pricing including offers and deals. Therefore, we expect to continue focusing hard on providing value for money pricing and reducing business costs where possible.

Inflation is continuing higher, and the Government may well continue and possibly increase its tax take from business’s thereby increasing the importance of continuing focus on value for money pricing and reducing costs.

Although the financial background remains bleak, the Directors are confident that they and the business continue to be in a strong financial position and thus better placed than many to withstand future financial pressures.

Principal risks and uncertainties

There has been no change in the risk profile of the Company. The identification of strategic, operational, compliance and financial risks is a key part of the management function. The Company regularly monitors its key risks and reviews its processes and controls to ensure that they are effective. Where appropriate the Company uses third party advisors to monitor compliance. General risks include loss or disruption by a major supplier in respect of fuel or shop deliveries, changes in key personnel, non-compliance with legislation, environmental and health and safety risks.

 

HOCH GROUP LIMITED
STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 2 -

On behalf of the board

.............................................
Mr P M Gatty
Director
1 December 2025
HOCH GROUP LIMITED
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 MARCH 2025
- 3 -

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

Results and dividends

The results for the year are set out on page 8.

Ordinary dividends were paid amounting to £200,000. The directors do not recommend payment of a further dividend.

Directors

The directors who held office during the year and up to the date of signature of the financial statements were as follows:

Mr D E Hill
Mr W M Collin
Mr P M Gatty
Mrs B Pryde
Statement of directors' responsibilities

The directors are responsible for preparing the Annual Report and the 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 United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law). 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 group and company, and of the profit or loss of the group for that period. In preparing these financial statements, the directors are required to:

 

 

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the group’s and company’s transactions and disclose with reasonable accuracy at any time the financial position of the group and company and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the group and company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Statement of disclosure to auditor

So far as each person who was a director at the date of approving this report is aware, there is no relevant audit information of which the auditor of the company is unaware. Additionally, the directors individually have taken all the necessary steps that they ought to have taken as directors in order to make themselves aware of all relevant audit information and to establish that the auditor of the company is aware of that information.

HOCH GROUP LIMITED
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 4 -
On behalf of the board
..............................................
Mr P M Gatty
Director
1 December 2025
HOCH GROUP LIMITED
INDEPENDENT AUDITOR'S REPORT
TO THE MEMBERS OF HOCH GROUP LIMITED
- 5 -
Opinion

We have audited the financial statements of HOCH Group Limited (the 'parent company') and its subsidiaries (the 'group') for the year ended 31 March 2025 which comprise the group statement of comprehensive income, the group statement of financial position, the company statement of financial position, the group statement of changes in equity, the company statement of changes in equity, the group statement of cash flows and notes to the financial statements, including significant accounting policies. The 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:

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 Auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the group and parent company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’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 and 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 auditor's report thereon. The directors are responsible for the other information contained within the annual report. Our 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.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of our audit:

HOCH GROUP LIMITED
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE MEMBERS OF HOCH GROUP LIMITED
- 6 -
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 their environment obtained in the course of the audit, we have not identified material misstatements in the 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:

Responsibilities of directors

As explained more fully in the directors' responsibilities statement, 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 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 parent company or to cease operations, or have no realistic alternative but to do so.

Auditor's 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 auditor's 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 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.

Our approach to identifying and assessing the risks of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, was as follows:

 

 

HOCH GROUP LIMITED
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE MEMBERS OF HOCH GROUP LIMITED
- 7 -

We assessed the susceptibility of the company's financial statements to material misstatement, including obtaining an understanding of how fraud might occur, by:

 

 

In response to the risk of irregularities and non-compliance with laws and regulations, we designed procedures which included, but were not limited to:

 

 

There are inherent limitations in our audit procedures described above. The more removed that laws and regulations are from financial transactions, the less likely it is that we would become aware of non-compliance. Auditing standards also limit the audit procedures required to identify non-compliance with laws and regulations to enquiry of the directors and other management and the inspection of regulatory and legal correspondence, if any.

 

Material misstatements that arise due to fraud can be harder to detect than those that arise from error as they may involve deliberate concealment or collusion.

A further description of our responsibilities is available on the Financial Reporting Council’s website at: https://www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditor's 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 2006. Our 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 auditor's 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.

Lindsay Farrer (Senior Statutory Auditor)
For and on behalf of Saint & Co., Statutory Auditor
Chartered Accountants
Sterling House
Wavell Drive
Rosehill
Carlisle
CA1 2SA
3 December 2025
HOCH GROUP LIMITED
GROUP STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 MARCH 2025
- 8 -
2025
2024
Notes
£
£
Turnover
3
68,826,035
71,128,638
Cost of sales
(63,790,817)
(65,938,978)
Gross profit
5,035,218
5,189,660
Administrative expenses
(3,638,791)
(3,052,996)
Other operating income
353,531
304,728
Operating profit
4
1,749,958
2,441,392
Interest receivable and similar income
8
78,718
10,057
Interest payable and similar expenses
9
(3,854)
-
0
Profit before taxation
1,824,822
2,451,449
Tax on profit
10
(480,690)
(654,148)
Profit for the financial year
24
1,344,132
1,797,301
Other comprehensive income
Actuarial loss on defined benefit pension schemes
(9,000)
-
0
Total comprehensive income for the year
1,335,132
1,797,301
Profit for the financial year is all attributable to the owners of the parent company.
Total comprehensive income for the year is all attributable to the owners of the parent company.

The notes on pages 14 to 34 form part of these financial statements.

HOCH GROUP LIMITED
GROUP STATEMENT OF FINANCIAL POSITION
AS AT
31 MARCH 2025
31 March 2025
- 9 -
2025
2024
Notes
£
£
£
£
Fixed assets
Tangible assets
13
3,868,573
3,903,697
Investment property
14
695,500
695,500
4,564,073
4,599,197
Current assets
Stocks
17
1,428,158
1,339,267
Debtors
18
1,435,010
1,481,890
Cash at bank and in hand
6,248,583
6,076,132
9,111,751
8,897,289
Creditors: amounts falling due within one year
19
(4,024,607)
(4,995,401)
Net current assets
5,087,144
3,901,888
Total assets less current liabilities
9,651,217
8,501,085
Provisions for liabilities
Deferred tax liability
20
321,000
306,000
(321,000)
(306,000)
Net assets
9,330,217
8,195,085
Capital and reserves
Called up share capital
22
1,284
1,284
Capital redemption reserve
23
1,290
1,290
Profit and loss reserves
24
9,327,643
8,192,511
Total equity
9,330,217
8,195,085

The notes on pages 14 to 34 form part of these financial statements.

The financial statements were approved by the board of directors and authorised for issue on 1 December 2025 and are signed on its behalf by:
01 December 2025
..............................................
Mr P M Gatty
Director
Company registration number 13363639 (England and Wales)
HOCH GROUP LIMITED
COMPANY STATEMENT OF FINANCIAL POSITION
AS AT 31 MARCH 2025
31 March 2025
- 10 -
2025
2024
Notes
£
£
£
£
Fixed assets
Investments
15
1,964
1,964
Current assets
Debtors
18
55,507
1,567
Cash at bank and in hand
304,892
308,090
360,399
309,657
Creditors: amounts falling due within one year
19
(356,151)
(357,670)
Net current assets/(liabilities)
4,248
(48,013)
Net assets/(liabilities)
6,212
(46,049)
Capital and reserves
Called up share capital
22
1,284
1,284
Capital redemption reserve
23
680
680
Profit and loss reserves
24
4,248
(48,013)
Total equity
6,212
(46,049)

The notes on pages 14 to 34 form part of these financial statements.

As permitted by s408 Companies Act 2006, the company has not presented its own profit and loss account and related notes. The company’s profit for the year was £252,261 (2024 - £193,570 profit).

These financial statements have been prepared in accordance with the provisions relating to medium-sized companies.

The financial statements were approved by the board of directors and authorised for issue on 1 December 2025 and are signed on its behalf by:
01 December 2025
..............................................
Mr P M Gatty
Director
Company registration number 13363639 (England and Wales)
HOCH GROUP LIMITED
GROUP STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025
- 11 -
Share capital
Capital redemption reserve
Profit and loss reserves
Total
Notes
£
£
£
£
Balance at 1 April 2023
1,284
1,290
6,595,210
6,597,784
Year ended 31 March 2024:
Profit and total comprehensive income
-
-
1,797,301
1,797,301
Dividends
11
-
-
(200,000)
(200,000)
Balance at 31 March 2024
1,284
1,290
8,192,511
8,195,085
Year ended 31 March 2025:
Profit for the year
-
-
1,344,132
1,344,132
Other comprehensive income:
Actuarial gains on defined benefit plans
-
-
(9,000)
(9,000)
Total comprehensive income
-
-
1,335,132
1,335,132
Dividends
11
-
-
(200,000)
(200,000)
Balance at 31 March 2025
1,284
1,290
9,327,643
9,330,217

The notes on pages 14 to 34 form part of these financial statements.

HOCH GROUP LIMITED
COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025
- 12 -
Share capital
Capital redemption reserve
Profit and loss reserves
Total
Notes
£
£
£
£
Balance at 1 April 2023
1,284
680
(41,583)
(39,619)
Year ended 31 March 2024:
Profit and total comprehensive income for the year
-
-
193,570
193,570
Dividends
11
-
-
(200,000)
(200,000)
Balance at 31 March 2024
1,284
680
(48,013)
(46,049)
Year ended 31 March 2025:
Profit and total comprehensive income
-
-
252,261
252,261
Dividends
11
-
-
(200,000)
(200,000)
Balance at 31 March 2025
1,284
680
4,248
6,212

The notes on pages 14 to 34 form part of these financial statements.

HOCH GROUP LIMITED
GROUP STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2025
- 13 -
2025
2024
Notes
£
£
£
£
Cash flows from operating activities
Cash generated from operations
30
1,559,738
2,981,153
Interest paid
(3,854)
-
0
Tax paid
(974,496)
(414,283)
Net cash inflow from operating activities
581,388
2,566,870
Investing activities
Purchase of tangible fixed assets
(336,007)
(236,829)
Proceeds from disposal of tangible fixed assets
24,712
19,708
Repayment of loans
23,640
3,299
Interest received
71,373
9,210
Dividends received
114
171
Other income received from investments
7,231
676
Net cash used in investing activities
(208,937)
(203,765)
Financing activities
Dividends paid to equity shareholders
(200,000)
(200,000)
Net cash used in financing activities
(200,000)
(200,000)
Net increase in cash and cash equivalents
172,451
2,163,105
Cash and cash equivalents at beginning of year
6,076,132
3,913,027
Cash and cash equivalents at end of year
6,248,583
6,076,132

The notes on pages 14 to 34 form part of these financial statements.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
- 14 -
1
Accounting policies
Company information

HOCH Group Limited (“the company”) is a private company limited by shares incorporated in England and Wales. The registered office is Corby Hill Garage, Corby Hill, Carlisle, CA4 8PL.

 

The group consists of HOCH Group Limited and all of its subsidiaries.

 

1.1
Accounting convention

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.

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

The financial statements have been prepared under the historical cost convention, modified to include the revaluation of freehold properties and to include investment properties and certain financial instruments at fair value. The principal accounting policies adopted are set out below.

The company is a qualifying entity for the purposes of FRS 102, being a member of a group where the parent of that group prepares publicly available consolidated financial statements, including this company, which are intended to give a true and fair view of the assets, liabilities, financial position and profit or loss of the group. The company has therefore taken advantage of exemptions from the following disclosure requirements for parent company information presented within the consolidated financial statements:

 

1.2
Basis of consolidation

The consolidated group financial statements consist of the financial statements of the parent company HOCH Group Limited together with all entities controlled by the parent company (its subsidiaries) and the group’s share of its interests in joint ventures and associates.

 

All financial statements are made up to 31 March 2025. Where necessary, adjustments are made to the financial statements of subsidiaries to bring the accounting policies used into line with those used by other members of the group.

 

All intra-group transactions, balances and unrealised gains on transactions between group companies are eliminated on consolidation. Unrealised losses are also eliminated unless the transaction provides evidence of an impairment of the asset transferred.

Subsidiaries are consolidated in the group’s financial statements from the date that control commences until the date that control ceases.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 15 -
1.3
Going concern

At the time of approving the financial statements, the directors have a reasonable expectation that the group has adequate resources to continue in operational existence for the foreseeable future. Thus the directors continue to adopt the going concern basis of accounting in preparing the financial statements.

1.4
Turnover

Turnover is recognised at the fair value of the consideration received or receivable for goods and services provided in the normal course of business, and is shown net of VAT and other sales related taxes. The fair value of consideration takes into account trade discounts, settlement discounts and volume rebates.

 

Revenue from the sale of goods is recognised when the significant risks and rewards of ownership of the goods have passed to the buyer (usually on dispatch of the goods), the amount of revenue can be measured reliably, it is probable that the economic benefits associated with the transaction will flow to the entity and the costs incurred or to be incurred in respect of the transaction can be measured reliably.

1.5
Intangible fixed assets - goodwill

Goodwill represents the excess of the cost of acquisition of a business over the fair value of net assets acquired. It is initially recognised as an asset at cost and is subsequently measured at cost less accumulated amortisation and accumulated impairment losses. Goodwill is considered to have a finite useful life and is amortised on a systematic basis over its expected life.

 

For the purposes of impairment testing, goodwill is allocated to the cash-generating units expected to benefit from the acquisition. Cash-generating units to which goodwill has been allocated are tested for impairment at least annually, or more frequently when there is an indication that the unit may be impaired. If the recoverable amount of the cash-generating unit is less than the carrying amount of the unit, the impairment loss is allocated first to reduce the carrying amount of any goodwill allocated to the unit and then to the other assets of the unit pro-rata on the basis of the carrying amount of each asset in the unit.

1.6
Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Freehold land and buildings
2% straight line
Leasehold land and buildings
5% straight line
Plant and equipment
15% reducing balance
Motor vehicles
25% reducing balance

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is recognised in the income statement.

1.7
Investment property

Investment property, which is property held to earn rentals and/or for capital appreciation, is initially recognised at cost, which includes the purchase cost and any directly attributable expenditure. Subsequently it is measured at fair value at the reporting end date. Changes in fair value are recognised in profit or loss.

 

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 16 -
1.8
Fixed asset investments

Equity investments are measured at fair value through profit or loss, except for those equity investments that are not publicly traded and whose fair value cannot otherwise be measured reliably, which are recognised at cost less impairment until a reliable measure of fair value becomes available.

 

In the parent company financial statements, investments in subsidiaries, associates and jointly controlled entities are initially measured at cost and subsequently measured at cost less any accumulated impairment losses.

A subsidiary is an entity controlled by the group. Control is the power to govern the financial and operating policies of the entity so as to obtain benefits from its activities.

1.9
Impairment of fixed assets

At each reporting period end date, the group reviews the carrying amounts of its tangible and intangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). Where it is not possible to estimate the recoverable amount of an individual asset, the company estimates the recoverable amount of the cash-generating unit to which the asset belongs.

 

The carrying amount of the investments accounted for using the equity method is tested for impairment as a single asset. Any goodwill included in the carrying amount of the investment is not tested separately for impairment.

Recoverable amount is the higher of fair value less costs to sell and value in use. In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have not been adjusted.

 

If the recoverable amount of an asset (or cash-generating unit) is estimated to be less than its carrying amount, the carrying amount of the asset (or cash-generating unit) is reduced to its recoverable amount. An impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the impairment loss is treated as a revaluation decrease.

Recognised impairment losses are reversed if, and only if, the reasons for the impairment loss have ceased to apply. Where an impairment loss subsequently reverses, the carrying amount of the asset (or cash-generating unit) is increased to the revised estimate of its recoverable amount, but so that the increased carrying amount does not exceed the carrying amount that would have been determined had no impairment loss been recognised for the asset (or cash-generating unit) in prior years. A reversal of an impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the reversal of the impairment loss is treated as a revaluation increase.

1.10
Stocks

Stocks are stated at the lower of cost and estimated selling price less costs to complete and sell. Cost comprises direct materials and, where applicable, direct labour costs and those overheads that have been incurred in bringing the stocks to their present location and condition.

 

Stocks held for distribution at no or nominal consideration are measured at the lower of cost and replacement cost, adjusted where applicable for any loss of service potential.

At each reporting date, an assessment is made for impairment. Any excess of the carrying amount of stocks over its estimated selling price less costs to complete and sell is recognised as an impairment loss in profit or loss. Reversals of impairment losses are also recognised in profit or loss.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 17 -
1.11
Cash and cash equivalents

Cash and cash equivalents are basic financial assets and include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

1.12
Financial instruments

The group has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments.

 

Financial instruments are recognised in the group's statement of financial position when the group becomes party to the contractual provisions of the instrument.

 

Financial assets and liabilities are offset and the net amounts presented in the financial statements when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

Other financial assets

Other financial assets, including investments in equity instruments which are not subsidiaries, associates or joint ventures, are initially measured at fair value, which is normally the transaction price. Such assets are subsequently carried at fair value and the changes in fair value are recognised in profit or loss, except that investments in equity instruments that are not publicly traded and whose fair values cannot be measured reliably are measured at cost less impairment.

Impairment of financial assets

Financial assets, other than those held at fair value through profit and loss, are assessed for indicators of impairment at each reporting end date.

 

Financial assets are impaired where there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows have been affected. If an asset is impaired, the impairment loss is the difference between the carrying amount and the present value of the estimated cash flows discounted at the asset’s original effective interest rate. The impairment loss is recognised in profit or loss.

 

If there is a decrease in the impairment loss arising from an event occurring after the impairment was recognised, the impairment is reversed. The reversal is such that the current carrying amount does not exceed what the carrying amount would have been, had the impairment not previously been recognised. The impairment reversal is recognised in profit or loss.

Derecognition of financial assets

Financial assets are derecognised only when the contractual rights to the cash flows from the asset expire or are settled, or when the group transfers the financial asset and substantially all the risks and rewards of ownership to another entity, or if some significant risks and rewards of ownership are retained but control of the asset has transferred to another party that is able to sell the asset in its entirety to an unrelated third party.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 18 -
Classification of financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the group after deducting all of its liabilities.

Basic financial liabilities

Basic financial liabilities, including creditors, bank loans, loans from fellow group companies and preference shares that are classified as debt, are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

 

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

 

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. If not, they are presented as non-current liabilities. Trade creditors are recognised initially at transaction price and subsequently measured at amortised cost using the effective interest method.

Other financial liabilities

Derivatives, including interest rate swaps and forward foreign exchange contracts, are not basic financial instruments. Derivatives are initially recognised at fair value on the date a derivative contract is entered into and are subsequently re-measured at their fair value. Changes in the fair value of derivatives are recognised in profit or loss in finance costs or finance income as appropriate, unless hedge accounting is applied and the hedge is a cash flow hedge.

 

Debt instruments that do not meet the conditions in FRS 102 paragraph 11.9 are subsequently measured at fair value through profit or loss. Debt instruments may be designated as being measured at fair value through profit or loss to eliminate or reduce an accounting mismatch or if the instruments are measured and their performance evaluated on a fair value basis in accordance with a documented risk management or investment strategy.

Derecognition of financial liabilities

Financial liabilities are derecognised when the group's contractual obligations expire or are discharged or cancelled.

1.13
Equity instruments

Equity instruments issued by the group are recorded at the proceeds received, net of transaction costs. Dividends payable on equity instruments are recognised as liabilities once they are no longer at the discretion of the group.

1.14
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 income statement 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 group’s liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the reporting end date.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 19 -
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 income statement, 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 if, and only if, there is 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.

1.15
Retirement benefits

Defined contribution plans

Payments to defined contribution retirement benefit schemes are charged as an expense as they fall due.

Defined benefit plans

The cost of providing benefits under defined benefit plans is determined separately for each plan using the projected unit credit method, and is based on actuarial advice.

 

The change in the net defined benefit liability arising from employee service during the year is recognised as an employee cost. The cost of plan introductions, benefit changes, settlements and curtailments are recognised as an expense in measuring profit or loss in the period in which they arise.

 

The net interest element is determined by multiplying the net defined benefit liability by the discount rate, taking into account any changes in the net defined benefit liability during the period as a result of contribution and benefit payments. The net interest is recognised in or as other finance revenue or cost.

 

Remeasurement changes comprise actuarial gains and losses, the effect of the asset ceiling and the return on the net defined benefit liability excluding amounts included in net interest. These are recognised immediately in other comprehensive income in the period in which they occur and are not reclassified to profit and loss in subsequent periods.

 

The net defined benefit pension asset or liability in the balance sheet comprises the total for each plan of the present value of the defined benefit obligation (using a discount rate based on high quality corporate bonds), less the fair value of plan assets out of which the obligations are to be settled directly. Fair value is based on market price information, and in the case of quoted securities is the published bid price. The value of a net pension benefit asset is limited to the amount that may be recovered either through reduced contributions or agreed refunds from the scheme.

1.16
Leases

Rentals payable under operating leases, including any lease incentives received, are charged to profit or loss on a straight line basis over the term of the relevant lease except where another more systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 20 -
2
Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

 

Judgements and estimates are continually evaluated and are based on historical experiences and other factors, including expectation of future events that are believed to be reasonable under the circumstances.

 

The company makes estimates and assumptions concerning the future. The resulting accounting estimates will, by definition, seldom equal the related actual results. The estimates and assumptions that have significant risk of causing a material adjustment to the carrying value of assets and liabilities within the next financial year are discussed below:-

 

(a)Establishing useful economic lives for depreciation purposes of tangible fixed assets Long-lived assets, consisting primarily of tangible fixed assets, comprise a significant portion of the total fixed assets. The annual depreciation charge depends primarily on the estimated useful economic lives of each type of asset and estimates of residual values. The directors regularly review these assets' useful economic lives and change them as necessary to reflect current thinking o remaining lives in light of prospective economic utilisation and physical condition of the assets concerned. Changes in asset useful lives can have a significant impact on depreciation charges for the period. Details of the depreciation policies based on useful economic lives are included in the accounting policies.

 

(b)Pension liabilities

The present value of the defined benefit liability depends on a number of factors that are determined on an actuarial basis using a variety of assumptions. The assumptions used in determining the net cost or income for pensions include the discount rate. Any changes in these assumptions, which are disclosed in the notes to the accounts, will impact the carrying amount of the pension liability. Furthermore a roll forward approach which projects results from the latest full actuarial valuation performed at 5 April 2022 has been used by the actuary in valuing the pensions liability at 31 March 2025. Any differences between the figures derived from the roll forward approach and a full actuarial valuation would impact on the pension liability.

 

Where the year end defined benefit pension is in surplus, the directors assess future recoverability through reduced future deficit contributions. As deficit contributions to the scheme are still increasing year on year, the directors have chosen not to recognise this asset in the financial statements.

 

 

 

3
Turnover and other revenue
2025
2024
£
£
Turnover analysed by class of business
Sale of goods
68,826,035
71,128,638
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
3
Turnover and other revenue
(Continued)
- 21 -
2025
2024
£
£
Other revenue
Interest income
71,373
9,210
Dividends received
114
171
Commissions received
156,325
172,297
Rental income arising from investment properties
42,763
41,321
Harvest Scheme income
104,473
45,767
Post Office income
41,289
37,864
Other income
8,691
7,479

The whole of the turnover is attributable to the principal activity of the company wholly undertaken in the United Kingdom.

4
Operating profit
2025
2024
£
£
Operating profit for the year is stated after charging/(crediting):
Depreciation of owned tangible fixed assets
272,890
246,512
Loss/(profit) on disposal of tangible fixed assets
73,529
(10,970)
Operating lease charges
481,311
346,070
5
Auditor's remuneration
2025
2024
Fees payable to the company's auditor and associates:
£
£
For audit services
Audit of the financial statements of the group and company
1,400
1,400
Audit of the financial statements of the company's subsidiaries
25,605
20,500
27,005
21,900
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 22 -
6
Employees

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

Group
Company
2025
2024
2025
2024
Number
Number
Number
Number
Administrative staff
5
4
-
-
Management staff
6
5
-
-
Sales staff
178
175
-
-
Total
189
184
0
0

Their aggregate remuneration comprised:

Group
Company
2025
2024
2025
2024
£
£
£
£
Wages and salaries
4,562,309
4,083,604
-
0
-
0
Social security costs
384,484
332,907
-
-
Pension costs
335,271
369,078
-
0
-
0
5,282,064
4,785,589
-
0
-
0
7
Directors' remuneration
2025
2024
£
£
Remuneration for qualifying services
147,803
136,280
Company pension contributions to defined contribution schemes
54,292
27,946
Company pension contributions to defined benefit schemes
28,569
26,306
230,664
190,532

The number of directors for whom retirement benefits are accruing under defined contribution schemes amounted to 2 (2024: 2).

 

The number of directors for whom retirement benefits are accruing under defined benefit schemes amounted to 1 (2024: 1).

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 23 -
8
Interest receivable and similar income
2025
2024
£
£
Interest income
Interest on bank deposits
55,370
8,809
Other interest income
16,003
401
Total interest revenue
71,373
9,210
Other income from investments
Dividends received
114
171
71,487
9,381
Income from fixed asset investments
Income from participating interests - associates
7,231
676
Total income
78,718
10,057
9
Interest payable and similar expenses
2025
2024
£
£
Other interest
3,854
-
10
Taxation
2025
2024
£
£
Current tax
UK corporation tax on profits for the current period
465,690
618,928
Adjustments in respect of prior periods
-
0
15,220
Total current tax
465,690
634,148
Deferred tax
Origination and reversal of timing differences
15,000
20,000
Total tax charge
480,690
654,148
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
10
Taxation
(Continued)
- 24 -

The actual charge for the year can be reconciled to the expected charge for the year based on the profit or loss and the standard rate of tax as follows:

2025
2024
£
£
Profit before taxation
1,824,822
2,451,449
Expected tax charge based on the standard rate of corporation tax in the UK of 25.00% (2024: 25.00%)
456,206
612,862
Tax effect of expenses that are not deductible in determining taxable profit
22,924
1,829
Tax effect of income not taxable in determining taxable profit
(29)
-
0
Gains not taxable
-
0
(43)
Unutilised tax losses carried forward
685
1,608
Adjustments in respect of prior years
-
0
15,220
Permanent capital allowances in excess of depreciation
(53)
1,259
Short term timing differences
957
1,413
Movement in deferred tax
-
0
20,000
Taxation charge
480,690
654,148
11
Dividends
2025
2024
Recognised as distributions to equity holders:
£
£
Final paid
200,000
200,000
12
Intangible fixed assets
Group
Goodwill
£
Cost
At 1 April 2024 and 31 March 2025
200,000
Amortisation and impairment
At 1 April 2024 and 31 March 2025
200,000
Carrying amount
At 31 March 2025
-
0
At 31 March 2024
-
0
The company had no intangible fixed assets at 31 March 2025 or 31 March 2024.
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 25 -
13
Tangible fixed assets
Group
Freehold land and buildings
Leasehold land and buildings
Plant and equipment
Motor vehicles
Total
£
£
£
£
£
Cost
At 1 April 2024
4,128,489
386,987
2,759,971
216,448
7,491,895
Additions
-
0
-
0
153,119
182,888
336,007
Disposals
-
0
-
0
(464,695)
(106,848)
(571,543)
At 31 March 2025
4,128,489
386,987
2,448,395
292,488
7,256,359
Depreciation and impairment
At 1 April 2024
1,265,112
309,977
1,887,408
125,701
3,588,198
Depreciation charged in the year
66,954
18,310
139,403
48,223
272,890
Eliminated in respect of disposals
-
0
-
0
(388,467)
(84,835)
(473,302)
At 31 March 2025
1,332,066
328,287
1,638,344
89,089
3,387,786
Carrying amount
At 31 March 2025
2,796,423
58,700
810,051
203,399
3,868,573
At 31 March 2024
2,863,377
77,010
872,563
90,747
3,903,697
The company had no tangible fixed assets at 31 March 2025 or 31 March 2024.
14
Investment property
Group
Company
2025
2025
£
£
Fair value
At 1 April 2024 and 31 March 2025
695,500
-

The fair value of the investment property has been arrived at on the basis of a valuation carried out at 1 April 2023 by John Taylor Chartered Surveyors, Valuers & Estate Agents who are not connected with the company. The valuation was made on an open market value basis by reference to market evidence of transaction prices for similar properties.

 

The directors do not believe any change in value of the investment properties has occurred since the last formal valuation on 1 April 2023.

 

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
14
Investment property
(Continued)
- 26 -
If investment properties were stated on an historical cost basis rather than a fair value basis, the amounts would have been included as follows:
Group
Company
2025
2024
2025
2024
£
£
£
£
Cost
853,500
426,750
-
-
Accumulated depreciation
-
-
-
-
Carrying amount
853,500
426,750
-
-
15
Fixed asset investments
Group
Company
2025
2024
2025
2024
Notes
£
£
£
£
Investments in subsidiaries
16
-
0
-
0
1,964
1,964
Movements in fixed asset investments
Company
Shares in subsidiaries
£
Cost or valuation
At 1 April 2024 and 31 March 2025
1,964
Carrying amount
At 31 March 2025
1,964
At 31 March 2024
1,964
16
Subsidiaries

Details of the company's subsidiaries at 31 March 2025 are as follows:

Name of undertaking
Registered office
Nature of business
Class of
% Held
shares held
Direct
Hills of Corby Hill Limited
Corby Hill Garage, Corby Hill, Carlisle, CA4 8PL, United Kingdom
Forecourt garage and petrol station proprietors
Ordinary shares
100.00
Hills of Lakeland Limited
Corby Hill Garage, Corby Hill, Carlisle, CA4 8PL, United Kingdom
Forecourt garage and petrol station proprietors
Ordinary shares
100.00
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
16
Subsidiaries
(Continued)
- 27 -

HOCH Group Limited has two wholly owned subsidiary undertakings; Hills of Corby Hill Limited (Company Registration Number 01211554) and Hills of Lakeland Limited (Company Registration Number 01500533). Both companies are private companies limited by shares and registered in England and Wales. The companies are included in the consolidated accounts using merger accounting.

 

17
Stocks
Group
Company
2025
2024
2025
2024
£
£
£
£
Raw materials and consumables
1,428,158
1,339,267
-
-
18
Debtors
Group
Company
2025
2024
2025
2024
Amounts falling due within one year:
£
£
£
£
Trade debtors
336,596
438,399
-
0
-
0
Corporation tax recoverable
7,385
1,705
-
0
-
0
Amounts owed by group undertakings
-
-
55,000
-
Other debtors
556,250
556,101
507
1,567
Prepayments and accrued income
534,779
485,685
-
0
-
0
1,435,010
1,481,890
55,507
1,567

Included within other debtors is £167,875 (2024: £105,789) relating to unsecured loans made to employees. No date has been set for the repayment of these loans.

Included within debtors is £121,594 being the amount falling due after more than one year.

19
Creditors: amounts falling due within one year
Group
Company
2025
2024
2025
2024
£
£
£
£
Trade creditors
3,038,897
3,612,122
48
-
0
Amounts owed to group undertakings
-
0
-
0
289,115
222,300
Corporation tax payable
116,089
619,215
-
0
-
0
Other taxation and social security
456,757
405,176
-
-
Other creditors
139,908
256,149
63,473
131,855
Accruals and deferred income
272,956
102,739
3,515
3,515
4,024,607
4,995,401
356,151
357,670
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 28 -
20
Deferred taxation

The following are the major deferred tax liabilities and assets recognised by the group and company, and movements thereon:

Liabilities
Liabilities
2025
2024
Group
£
£
Accelerated capital allowances
264,000
252,000
Revaluations
62,000
62,000
Short term timing differnces
(5,000)
(8,000)
321,000
306,000
The company has no deferred tax assets or liabilities.
Group
Company
2025
2025
Movements in the year:
£
£
Liability at 1 April 2024
306,000
-
Charge to profit or loss
15,000
-
Liability at 31 March 2025
321,000
-

The net amount of deferred tax assets and liabilities that are expected to reverse within one year of the balance sheet date is £40,000 (2024: £38,000) relating to the reversal of existing timing differences on tangible and fixed assets.

21
Retirement benefit schemes
2025
2024
Defined contribution schemes
£
£
Charge to profit or loss in respect of defined contribution schemes
187,393
139,577

A defined contribution pension scheme is operated for all qualifying employees. The assets of the scheme are held separately from those of the group in an independently administered fund.

 

At the balance sheet date pension contributions of £21,774 (2024 - £33,945) were outstanding and are included in other creditors.

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
21
Retirement benefit schemes
(Continued)
- 29 -
Defined benefit schemes

The group also operates a pension scheme providing benefits on a final pensionable pay in respect of its own employees and employees of a related company. The assets of the scheme are held separately from those of the group, being invested with insurance companies as a Section of the Motor Industry Pension Plan.

 

During the year, the company made contributions totalling £171,000 (2024: £219,000) to the scheme, with employees making contributions totalling £15,000 (2024 - £14,000).

 

Contributions in the year ending 31 March 2026 are expected to be about £150,000.

 

This Section is a funded scheme of the defined benefit type, providing retirement benefits based on final salary.

 

The valuation used for FRS102 disclosures has been based on a full assessment of the liabilities of the plan as at 31st March 2022. The present values of the defined benefit obligation, the related current service cost and any past service costs were measured using the projected unit credit method. As it is not certain that the company is able to recognise the pension surplus via reduced contributions or via refunds, the pension asset has not been recognised on the balance sheet. In line with FRS102, interest, service costs and pension expenses have been recognised in the profit and loss in place of employer contributions relating to the scheme.

 

Actuarial gains and losses have been recognised in the period in which they occur through the statement of comprehensive income. The resulting pension surplus has also been restricted to nil through the statement of comprehensive income.

 

The statement of financial position net defined benefit asset is determined as follows:

 

2025
2024
Key assumptions
%
%
Discount rate
5.8
4.8
Expected rate of increase of pensions in payment
3.25
3.4
Expected rate of salary increases
4.95
5.05
Inflation assumptions
2.95
3.05
Mortality assumptions
2025
2024

Assumed life expectations on retirement at age 65:

Years
Years
Retiring today
- Males
22.8
22.7
- Females
25.2
25.1
Retiring in 20 years
- Males
24.5
24.4
- Females
26.8
26.8
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
21
Retirement benefit schemes
(Continued)
- 30 -

The amounts included in the statement of financial position arising from obligations in respect of defined benefit plans are as follows:

2025
2024
Group
£
£
Present value of defined benefit obligations
3,524,000
3,921,000
Fair value of plan assets
(4,463,000)
(4,850,000)
Deficit in scheme
(939,000)
(929,000)
Restriction on scheme assets
939,000
929,000
Total liability recognised
-
-
The company had no post employment benefits at 31 March 2025 or 1 April 2024.
Group
2025
2024

Amounts recognised in the income statement

£
£
Current service cost
112,000
109,000
Net interest on net defined benefit liability/(asset)
(46,000)
(64,000)
Other costs and income
96,000
86,000
Total costs
162,000
131,000
Group
2025
2024

Amounts taken to other comprehensive income

£
£
Actual return on scheme assets
389,000
295,000
Less: calculated interest element
235,000
243,000
Return on scheme assets excluding interest income
624,000
538,000
Actuarial changes related to obligations
(625,000)
(77,000)
Effect of changes in the amount of surplus that is not recoverable
10,000
(373,000)
Total costs
9,000
88,000
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
21
Retirement benefit schemes
(Continued)
- 31 -
Group
2025

Movements in the present value of defined benefit obligations

£
Liabilities at 1 April 2024
3,921,000
Current service cost
112,000
Benefits paid
(88,000)
Contributions from scheme members
15,000
Actuarial gains and losses
(625,000)
Interest cost
189,000
At 31 March 2025
3,524,000

The defined benefit obligations arise from plans which are wholly or partly funded.

Group
2025

Movements in the fair value of plan assets

£
Fair value of assets at 1 April 2024
4,850,000
Interest income
235,000
Return on plan assets (excluding amounts included in net interest)
(624,000)
Benefits paid
(88,000)
Contributions by the employer
171,000
Contributions by scheme members
15,000
Other
(96,000)
At 31 March 2025
4,463,000

The actual return on plan assets was £389,000 (2024: £295,000).

Fair value of plan assets at the reporting period end

Group
2025
2024
£
£
Diversified nominal
2,232,000
1,940,000
Diversified real
2,231,000
2,910,000
4,463,000
4,850,000
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 32 -
22
Share capital
Group and company
2025
2024
2025
2024
Ordinary share capital
Number
Number
£
£
Issued and fully paid
Ordinary shares of £1 each
680
680
680
680
Ordinary B shares of £1 each
300
300
300
300
Ordinary C shares of £1 each
150
150
150
150
Ordinary D shares of £1 each
150
150
150
150
Ordinary X shares of £1 each
4
4
4
4
1,284
1,284
1,284
1,284

The Ordinary A shares do not have any voting rights but do have rights to receive dividends, capital distribution and are not redeemable.

 

The Ordinary B to D shares have full voting, dividend, capital distribution rights and are not redeemable.

 

The Ordinary X shares do not have voting rights unless in the event of a deadlock following voting of B, C and D shareholders. The Ordinary X shares do not have rights to dividends but do have capital distribution rights and are non redeemable.

 

 

23
Capital redemption reserve

Capital redemption reserve - This reserve records the nominal value of shares repurchased by the company.

24
Profit and loss reserves

Profit and loss account - This reserve records retained earnings and accumulated losses.

 

Included within the profit and loss reserve is £263,000 (2024: £262,000) of undistributable reserves relating to the revaluation of investment properties, net of associated deferred tax.

25
Operating lease commitments
Lessee

At the reporting end date the group had outstanding commitments for future minimum lease payments under non-cancellable operating leases, which fall due as follows:

Group
Company
2025
2024
2025
2024
£
£
£
£
Within one year
260,821
318,853
-
-
Between two and five years
98,000
259,699
-
-
358,821
578,552
-
-
HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 33 -
26
Contingencies

At the year end there is a total of £146,676 for deferred consideration payable to Hills of Lakeland Limited by H & H Bakeries Limited for the shares in Gretna Bakery Limited. This is contingent on Gretna Bakery making a profit with the amount receivable in any deferred consideration period being based on a percentage of EBITDA. At the year end the amount receivable for the year ended 31 March 2025 can not be reliably measured and has therefore not been included within accrued income at the end of the year.

 

27
Related party transactions
Remuneration of key management personnel

The remuneration of key management personnel is as follows.

2025
2024
£
£
Aggregate compensation
361,856
266,086

The Hills Trust is a self-administered defined benefit pension scheme operated for the benefit of the company directors and senior management.

 

During the year, rent totalling £193,123 (2024: £103,123) was paid to The Hills Trust. At the balance sheet date £26,065 (2024: £25,454) was included within other debtors falling due within one year being owed by The Hills Trust. In addition, at the balance sheet date £90,000 was included within accruals being the amount owed to The Hills Trust in respect of backdated rent following a rent review.

 

During the year, rent of £89,275 (2024: £58,350) was paid to one director and three close family members of a director. At the balance sheet date £30,925 was included within accruals being the amount owed to the above in respect of backdated rent following a rent review.

 

Three staff loans totalling £102,845 (2024: £97,764) were outstanding at the balance sheet date to employees who are also close family members of a director. In addition one staff loan totalling £58,160 (2024: £nil) was outstanding at the balance sheet date to an employee who is a member of key management personnel. These are unsecured loans with no fixed date of repayment.

 

Five close family members of directors were paid remuneration of £176,3480 (2024: £181,960).

 

During the prior year £200,000 was loaned to EDEC Limited. Nathan Collin, who is the son of director Michael Collin, is a Director of EDEC Limited. Included within other debtors at the year end was £160,107 (2024: £196,999) owed by EDEC Limited.

 

 

 

HOCH GROUP LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 34 -
28
Directors' transactions

Included within other creditors falling due within one year is £63,472 (2024: £150,059) being the amount owed to Mr D E Hill, a director of Hills of Corby Hill Limited. During the year a further £148,867 was provided to the group by Mr D E Hill and payments back to Mr D E Hill totalled £235,454.

 

Included within other debtors is £127,694 (2024: £151,333) being the amount owed by Mrs B Pryde, a director of Hills of Corby Hill Limited. Advances during the year amounted to £217 and repayments during the year amounted to £23,857.

 

Included within other creditors is £426 (2024: £426) being the amount owed to Mr W M Collin, a director of Hills of Corby Hill Limited.

 

The loans to directors are interest free and repayable on demand.

29
Controlling party

The ultimate controlling party is Mr D Hill throughout the current and previous year. Mr D Hill is a Director and majority shareholder in HOCH Group Limited, the parent company (through his direct and indirect holdings).

30
Cash generated from group operations
2025
2024
£
£
Profit after taxation
1,344,132
1,797,301
Adjustments for:
Taxation charged
480,690
654,148
Finance costs
3,854
-
0
Investment income
(78,718)
(10,057)
Loss/(gain) on disposal of tangible fixed assets
73,529
(10,970)
Depreciation and impairment of tangible fixed assets
272,890
246,512
Pension scheme non-cash movement
(9,000)
-
Movements in working capital:
(Increase)/decrease in stocks
(88,891)
150,400
Decrease/(increase) in debtors
28,920
(771,385)
(Decrease)/increase in creditors
(467,668)
925,204
Cash generated from operations
1,559,738
2,981,153
31
Analysis of changes in net funds - group
1 April 2024
Cash flows
31 March 2025
£
£
£
Cash at bank and in hand
6,076,132
172,451
6,248,583
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