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Company Registration No. 03529932 (England and Wales)







R.J. CONTRACTS LIMITED

UNAUDITED
DIRECTORS' REPORT AND FINANCIAL STATEMENTS

INFORMATION FOR FILING WITH THE REGISTRAR
FOR THE YEAR ENDED 31 MARCH 2025





































 




 
R.J. CONTRACTS LIMITED
 

CONTENTS



Page
Accountants' Report
 
 
1
Balance Sheet
 
 
2 - 3
Notes to the Financial Statements
 
 
4 - 7


 
R.J. CONTRACTS LIMITED
 
 
  
CHARTERED ACCOUNTANTS' REPORT TO THE BOARD OF DIRECTORS ON THE PREPARATION OF THE UNAUDITED STATUTORY FINANCIAL STATEMENTS OF R.J. CONTRACTS LIMITED
FOR THE YEAR ENDED 31 MARCH 2025

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the financial statements of R.J. Contracts Limited for the year ended 31 March 2025 which comprise  the Balance Sheet and the related notes from the Company's accounting records and from information and explanations you have given us.

As a practising member firm of the Institute of Chartered Accountants in England and Wales (ICAEW)we are subject to its ethical and other professional requirements which are detailed at https://www.icaew.com /regulation.

This report is made solely to the Board of Directors of R.J. Contracts Limited, as a body, in accordance with the terms of our engagement letter. Our work has been undertaken solely to prepare for your approval the financial statements of R.J. Contracts Limited and state those matters that we have agreed to state to the Board of Directors of R.J. Contracts Limited, as a body, in this report in accordance with ICAEW Technical Release TECH07/16AAF. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than R.J. Contracts Limited and its Board of Directors, as a body, for our work or for this report. 

It is your duty to ensure that R.J. Contracts Limited has kept adequate accounting records and to prepare statutory financial statements that give a true and fair view of the assets, liabilities, financial position and profit of R.J. Contracts Limited. You consider that R.J. Contracts Limited is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or review of the financial statements of R.J. Contracts Limited. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory financial statements.

  



Simmons Gainsford Professional Services Limited
Chartered Accountants
38-40 Chamberlayne Road
London
NW10 3JE
16 December 2025
Page 1

 
R.J. CONTRACTS LIMITED
REGISTERED NUMBER:03529932

BALANCE SHEET
AS AT 31 MARCH 2025

2025
2024
Note
£
£

Fixed assets
  

Investment property
 4 
8,979,824
8,979,824

  
8,979,824
8,979,824

Current assets
  

Stocks
  
5,568,653
5,568,653

Debtors
 6 
1,365,319
1,311,567

Cash at bank and in hand
  
386,286
410,787

  
7,320,258
7,291,007

Creditors: amounts falling due within one year
 7 
(190,238)
(137,528)

Net current assets
  
 
 
7,130,020
 
 
7,153,479

Total assets less current liabilities
  
16,109,844
16,133,303

Creditors: amounts falling due after more than one year
 8 
(12,663,147)
(13,217,331)

Net assets
  
3,446,697
2,915,972


Capital and reserves
  

Called up share capital 
 9 
9,000
9,000

Capital redemption reserve
  
1,000
1,000

Profit and loss account
  
3,436,697
2,905,972

  
3,446,697
2,915,972


Page 2

 
R.J. CONTRACTS LIMITED
REGISTERED NUMBER:03529932
    
BALANCE SHEET (CONTINUED)
AS AT 31 MARCH 2025

The directors consider that the Company is entitled to exemption from audit under section 477 of the Companies Act 2006 and members have not required the Company to obtain an audit for the year in question in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies regime and in accordance with the provisions of FRS 102 Section 1A - small entities.

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

The Company has opted not to file the profit and loss account in accordance with provisions applicable to companies subject to the small companies' regime.

The financial statements were approved and authorised for issue by the board and were signed on its behalf on 16 December 2025.


___________________________
S A Ruddy
Director

Page 3

 
R.J. CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

1.


General information

R.J. Contracts Limited is a private company limited by shares incorporated in England and Wales. The registered office is Enterprise Way, Flitwick, Bedford, Bedfordshire, MK45 5BS.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with FRS 102 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland' and the requirements of the Companies Act 2006. 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.

The following principal accounting policies have been applied:

 
2.2

Going concern

No material uncertainties that may cast doubt on the ability of the company to continue as a going concern have been identified.

 
2.3

Interest income

Interest income is recognised in profit or loss using the effective interest method.

 
2.4

Taxation

The tax expense represents the tax currently payable.
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 company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the reporting end date.

 
2.5

Investment property

Investment properties which are held to earn rentals and/or capital appreciation, are initially recorded at cost, which includes the purchase cost and any directly attributable expenditure. Subsequently they are measured at fair value at the reporting date. The surplus or deficit on revaluation is recognised in the profit and loss account.

 
2.6

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.
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.

Page 4

 
R.J. CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.7

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

 
2.8

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.

 
2.9

Financial instruments

The company 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 company's statement of financial position when the company becomes party to the contractual provisions of the instrument.
Financial assets and liabilities are offset, with 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.
 


 
2.10

Equity instruments

Dividends payable on equity instruments are recognised as liabilities once they are no longer at the discretion of the company.


3.


Employees

The average monthly number of employees, including directors, during the year was 3 (2024 - 3).


4.


Investment property


Freehold investment property

£



Valuation


At 1 April 2024
8,979,824



At 31 March 2025
8,979,824





Page 5

 
R.J. CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

5.


Stocks

2025
2024
£
£

Development properties
5,568,653
5,568,653

5,568,653
5,568,653



6.


Debtors

2025
2024
£
£

Trade debtors
47,368
49,543

Amounts owed by related undertaking
1,042,045
1,006,191

Prepayments and accrued income
886
-

Amounts owed by associated undertaking
275,020
255,833

1,365,319
1,311,567


Amounts owed by related undertakings are interest free, unsecured and repayable on demand.
Amounts owed by associated undertaking represents an unsecured loan provided during the year at an interest rate of 7.5%.


7.


Creditors: Amounts falling due within one year

2025
2024
£
£

Trade creditors
15,597
15,597

Corporation tax
107,659
82,153

Other taxation and social security
19,713
21,707

Other creditors
13,071
13,071

Accruals and deferred income
34,198
5,000

190,238
137,528


Page 6

 
R.J. CONTRACTS LIMITED
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

8.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Amounts owed to group undertaking
5,986,345
6,470,529

Amounts owed to related undertaking
5,660,417
5,660,417

Other creditors
1,016,385
1,086,385

12,663,147
13,217,331


Amounts owed to group and related undertakings are interest free, unsecured and payable on demand.
Other creditors represent directors current accounts, that are unsecured, interest free and payable on demand.


9.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



9,000 Ordinary shares of £1 each
9,000
9,000



10.


Related party transactions

The company is related to Pinebell Properties Limited, Pinebell Limited, Little Pinebell Limited, Patrick Ruddy Homes Limited, Ardoon 1 Limited and Ruddy Joinery Limited by virtue of being under common control.
During the year, the company received rent of £105,000 (2024: £105,000) from its related undertaking.


11.


Post balance sheet events

There were no events since the year end which materially affected the company.


12.


Controlling party

R.J. Contracts Limited is a wholly owned subsidiary of Pinebell Properties Limited. Pinebell Properties Limited is owned and controlled by the directors and their brothers and sister who are the ultimate controlling parties of this company.

 
Page 7