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Registered number: 10432377









ELC (BARROW) LIMITED









FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2025

 
ELC (BARROW) LIMITED
REGISTERED NUMBER: 10432377

BALANCE SHEET
AS AT 31 MARCH 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 5 
190,926
190,926

Current assets
  

Debtors: amounts falling due after more than one year
 6 
11,995,290
12,320,256

Debtors: amounts falling due within one year
 6 
3,043
1,766

Cash at bank and in hand
  
1,667,469
1,320,060

  
13,665,802
13,642,082

Creditors: amounts falling due within one year
 7 
(858,931)
(718,993)

Net current assets
  
 
 
12,806,871
 
 
12,923,089

Total assets less current liabilities
  
12,997,797
13,114,015

Creditors: amounts falling due after more than one year
 8 
(12,159,147)
(12,501,253)

  

Net assets
  
838,650
612,762


Capital and reserves
  

Called up share capital 
 10 
100
100

Profit and loss account
  
838,550
612,662

  
838,650
612,762


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 statement of income and retained earnings 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 by: 


N A Bennett
Director

Date: 23 December 2025

The notes on pages 2 to 8 form part of these financial statements.

Page 1

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

1.


General information

ELC (Barrow) Limited is a private company limited by shares, incorporated in England and Wales. The registered office is Leytonstone House, 3 Hanbury Drive, Leytonstone, London E11 1GA. The registered number is 10432377.

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 following principal accounting policies have been applied:

 
2.2

Revenue

Revenue is recognised at the fair value of the consideration received or receivable for construction and property management services provided in the normal course of business, and is shown net of VAT.

Revenue comprises the following items:

* Remuneration for property management services which is recognised at cost plus an estimated markup, in line with when the related services are provided.
* Recharges of utility costs, reception charges, management charges and other operating costs on which an estimated markup is applied, recognised in line with when the associated costs are incurred.
* Profit uplift applied to construction costs, which is recognised in the period in which the associated construction costs are incurred.

 
2.3

Interest income

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

 
2.4

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

 
2.5

Borrowing costs

All borrowing costs are recognised in profit or loss in the year in which they are incurred.

 
2.6

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Page 2

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)


2.6
Tangible fixed assets (continued)

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, as follows.

Depreciation is provided on the following bases:

Freehold land
-
Not depreciated

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.

 
2.7

Debtors

Short-term debtors are measured at transaction price, less any impairment.

 
2.8

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours.

 
2.9

Creditors

Short-term creditors are measured at the transaction price.

Page 3

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

2.Accounting policies (continued)

 
2.10

Financial instruments


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.

The company has entered into basic financial instrument transactions that result in the recognition of financial assets and liabilities like trade and other debtors and creditors, loans from banks and other third parties, loans to related parties and investments in ordinary shares.

Debt instruments (other than those wholly repayable or receivable within one year), including loans and other accounts receivable and payable, are initially measured at present value of the future cash flows and subsequently at amortised cost using the effective interest method. Debt instruments that are payable or receivable within one year, typically trade debtors and creditors, are measured, initially and subsequently, at the undiscounted amount of the cash or other consideration expected to be paid or received. However, if the arrangements of a short-term instrument constitute a financing transaction, like the payment of a trade debt deferred beyond normal business terms or in case of an out-right short-term loan that is not at market rate, the financial asset or liability is measured, initially at the present value of future cash flows discounted at a market rate of interest for a similar debt instrument and subsequently at amortised cost, unless it qualifies as a loan from a director in the case of a small company, or a public benefit entity concessionary loan.

The company holds a financial asset which falls under the scope of being a service concession arrangement, whereby the company has contracted with a public sector customer (the ‘grantor’). Under this concession contract, the company (the ‘operator’) has constructed a health centre which is being leased to the grantor under a 25 year lease.

Pursuant to section 34 of FRS 102, such infrastructure is not recognised within property, plant and equipment because the arrangement does not convey the right to control the use of the public service assets to the operator. Instead the infrastructure is held within financial assets, under the financial asset model.

The financial asset model applies when the operator has an unconditional contractual right to receive a specified or determinable amount of cash from the grantor in return for constructing the infrastructure assets and then operating and maintaining the assets for a specified period of time.  The operator initially recognises the financial asset at fair value for the consideration received or receivable, based on the fair value of the construction services provided. Thereafter, it accounts for the financial asset in accordance with Section 11 Basic Financial Instruments and Section 12 Other Financial Instruments Issues.

Page 4

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

3.


Judgments in applying accounting policies and key sources of estimation uncertainty

In the application of the company’s accounting policies, the directors are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

Critical judgements

The following judgements (apart from those involving estimates) have had the most significant effect on amounts recognised in the financial statements.

Financial assets - Classification

The service concession arrangement undertaken by the company is considered to fall within the scope of section 34 of FRS102, as described in the accounting policies. This judgement has been based upon consideration of the nature and terms of the lease agreement, with the directors concluding the following conditions apply:

* The grantor controls or regulates what services the operator must provide using the infrastructure assets, to whom, and at what price; and
* The grantor controls, through ownership, beneficial entitlement or otherwise, any significant residual interest in the infrastructure at the end of the term of the agreement.

Key sources of estimation uncertainty

The estimates and assumptions which have a significant risk of causing a material adjustment to the carrying amount of assets and liabilities are as follows.

Financial assets - Valuation

There are a number of significant estimates made in respect of the financial asset:

RPI index – The finance asset is calculated assuming a predicted level of RPI increases for future receipts and expenditure. The RPI estimate has been benchmarked against historical data available from the Office of National Statistics, however future projections carry a degree of uncertainty given the nature of RPI.

Future lifecyle maintenance (LCM) costs – Under the lease there is an obligation to maintain and repair the building to a defined standard over the lease term. The finance asset is calculated using an estimate of the cost of future repairs, capital expenditure and maintenance to meet these obligations. The anticipated costs have been profiled to fall due over the lease term to recognise some costs will not be required annually and contain assumptions for capital and operational costs. There is an overall trend of costs increasing as the lease progresses.

 
Page 5

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

3.Judgments in applying accounting policies (continued)

Senior debt - Valuation

The terms of the Senior Debt include an interest rate linked to inflation . An effective interest charge is recognised in the Profit and Loss Account, rather than actual interest paid. The effective interest rate is based on estimated future cash flows, including the interest rate linked to inflation. The inflation estimate has been benchmarked against historical data available from the Office of National Statistics, however future projections carry a degree of uncertainty given its nature.


4.


Employees

The average monthly number of employees, including directors, during the year was 2 (2024 - 3).


5.


Tangible fixed assets





Freehold land

£



Cost or valuation


At 1 April 2024
190,926



At 31 March 2025

190,926






Net book value



At 31 March 2025
190,926



At 31 March 2024
190,926




The net book value of land and buildings may be further analysed as follows:


2025
2024
£
£

Freehold
190,926
190,926


Page 6

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

6.


Debtors

2025
2024
£
£

Due after more than one year

Other debtors
11,995,290
12,320,256


2025
2024
£
£

Due within one year

Trade debtors
3,043
1,766



7.


Creditors: Amounts falling due within one year

2025
2024
£
£

Bank loans
347,188
303,426

Trade creditors
1,581
2,762

Other taxation and social security
54,534
37,841

Other creditors
157,917
155,700

Accruals and deferred income
297,711
219,264

858,931
718,993



8.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Bank loans
10,920,172
11,262,278

Amounts owed to group undertakings
805,334
805,334

Other creditors
433,641
433,641

12,159,147
12,501,253


Page 7

 
ELC (BARROW) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

9.


Loans


Analysis of the maturity of loans is given below:


2025
2024
£
£

Amounts falling due within one year

Bank loans
347,188
303,426

Amounts falling due 1-2 years

Bank loans
284,446
351,194

Amounts falling due 2-5 years

Bank loans
688,926
711,329

Amounts falling due after more than 5 years

Bank loans
9,946,800
10,199,755

11,267,360
11,565,704


Amounts falling due after more than 5 years are repayable by instalments and a lump sum at the end of the loan term.


10.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



100 (2024 - 100) Ordinary shares of £1 each
100
100



11.


Auditors' information

The auditors' report on the financial statements for the year ended 31 March 2025 was unqualified.

The audit report was signed on 23 December 2025 by Graham Wallace (senior statutory auditor) on behalf of Barnes Roffe Audit Limited.

 
Page 8