Smart Mortgage Solutions Limited

Smart Mortgage Solutions Limited
Contents Page
For the year ended 31 March 2025

Accountants' report	1
Statement of financial position	2
Notes to the financial statements	3

Smart Mortgage Solutions Limited Accountants' Report For the year ended 31 March 2025
Accountant’s report You consider that the company is exempt from an audit for the year ended 31 March 2025 . You have acknowledged, on the balance sheet, your responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts. These responsibilities include preparing accounts that give a true and fair view of the state of affairs of the company at the end of the financial year and of its profit or loss for the financial year. In accordance with your instructions, we have prepared the accounts which comprise the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the accounting records of the company and on the basis of information and explanations you have given to us. We have not carried out an audit or any other review, and consequently we do not express any opinion on these accounts. Vellender Lewis Accountants Limited 31 March 2025 .................................................... Vellender Lewis Accountants Limited 4 Capricorn Centre Cranes Farm Road Basildon SS14 3JJ 11 December 2025 1

Smart Mortgage Solutions Limited
Accountants' Report
For the year ended 31 March 2025

Accountant’s report
You consider that the company is exempt from an audit for the year ended 31 March 2025 . You have acknowledged, on the balance sheet, your responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts. These responsibilities include preparing accounts that give a true and fair view of the state of affairs of the company at the end of the financial year and of its profit or loss for the financial year.
In accordance with your instructions, we have prepared the accounts which comprise the Profit and Loss Account, the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes from the accounting records of the company and on the basis of information and explanations you have given to us.
We have not carried out an audit or any other review, and consequently we do not express any opinion on these accounts.
Vellender Lewis Accountants Limited
31 March 2025

....................................................
Vellender Lewis Accountants Limited
4 Capricorn Centre
Cranes Farm Road
Basildon
SS14 3JJ
11 December 2025

1

Smart Mortgage Solutions Limited
Statement of Financial Position
As at 31 March 2025

	Notes	2025 £	2024 £
Fixed assets
Tangible fixed assets	3	51,080	60,094
		51,080	60,094
Current assets
Stocks		8,648	0
Debtors		56,500	40,000
Cash at bank and in hand		23,806	10,067
		88,954	50,067
Creditors: amount falling due within one year		(77,956)	(48,219)
Net current assets		10,998	1,848

Total assets less current liabilities		62,078	61,942
Creditors: amount falling due after more than one year		(61,770)	(59,924)
Net assets		308	2,018

Capital and reserves
Called up share capital		300	300
Profit and loss account		8	1,718
Shareholders' funds		308	2,018

For the year ended 31 March 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 members have agreed to the preparation of abridged accounts for this accounting period in accordance with section 444(2A).

The financial statements were approved by the board of directors on 11 December 2025 and were signed on its behalf by:

-------------------------------
Christopher Smart
Director

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Smart Mortgage Solutions Limited
Notes to the Abridged Financial Statements
For the year ended 31 March 2025

General Information

Smart Mortgage Solutions Limited is a private company, limited by shares, registered in England and Wales, registration number 09532820, registration address 4 Capricorn Centre, Cranes Farm Road, Basildon, Essex, SS14 3JJ.

The presentation currency is £ sterling.

1.

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).

3.

Tangible fixed assets

Cost or valuation	Motor Vehicles	Computer Equipment	Total
	£	£	£
At 01 April 2024	68,760	4,685	73,445
Additions	-	-	-
Disposals	-	-	-
At 31 March 2025	68,760	4,685	73,445
Depreciation
At 01 April 2024	10,314	3,037	13,351
Charge for year	8,767	247	9,014
On disposals	-	-	-
At 31 March 2025	19,081	3,284	22,365
Net book values
Closing balance as at 31 March 2025	49,679	1,401	51,080
Opening balance as at 01 April 2024	58,446	1,648	60,094

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Registered Number: 09532820
England and Wales
SMART MORTGAGE SOLUTIONS LIMITED

Abridged Accounts

Period of accounts Start date: 01 April 2024 End date: 31 March 2025