Company registration number 01810877 (England and Wales)
MEMO FASHIONS LIMITED
ANNUAL REPORT AND CONSOLIDATED FINANCIAL STATEMENTS
OF THE GROUP
FOR THE YEAR ENDED 31 MARCH 2025
MEMO FASHIONS LIMITED
COMPANY INFORMATION
Directors
N K Banthia
P Banthia
P Hegde
Company number
01810877
Registered office
Kantar Building
3rd Floor Westgate
Hanger Lane
London
W5 1UA
Auditor
King & King Chartered Accountants
5th Floor
Watson House
54-60 Baker Street
London
W1U 7BU
Business address
Kantar Building
3rd Floor Westgate
Hanger Lane
London
W5 1UA
Bankers
HSBC UK Bank Plc
Level 28
8 Canada Square
Canary Wharf
London
E14 5HQ
MEMO FASHIONS 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 - 29
MEMO FASHIONS 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 during the period continued to be that of design and wholesale supply of fashion garments.

Review of the business

The group currently sells in United Kingdom and also exports goods to Europe through a wholly owned subsidiary based in Germany. The companies products are manufactured and imported from overseas. The sales in the UK market is 16.78% of the total sales during the period. Rest of the sales are to European market which are conducted through German subsidiary.

 

The group's strategy is to design the clothing according to latest trends in fashion and get it manufactured at a competitive prices from overseas, and to manage costs effectively. Measures are being taken on an ongoing basis to address the key business risks and maintain the group's business.

 

Business review and key performance indicators

 

The directors have presented the results achieved in the period under review as follows:

 

 

2025

2024

 

£"000"

£"000"

Turnover

14,547

10,064

Gross profit

1,902

1,671

Gross profit margin

13.07%

16.60%

Pre-tax profit

389

121

Net current assets

6,186

7,979

Net assets

6,208

8,010

Cash & cash equivalents

3,979

6,446

 

Key performance indicators

 

 

 

 

 

The group uses turnover and gross profit margin as the key performance indicators.

The group's revenue has increased in the current year compared to the prior year, despite ongoing challenges in the fashion clothing industry. However, gross profit margins have declined due to continued pressure from higher input costs, The future outlook remains cautiously positive, with inflation levels beginning to stabilise and consumer purchasing power expected to improve. In addition, the Group has a business development manager who is actively engaged in discussions with potential customers, and the Group anticipates that several new customers will be added to its portfolio in the coming years.

 

The Group’s liquidity position stands at £3.9 m at the current year-end (2024: £6.4 m). The reduction is primarily due to a dividend payment of £2m during the year and new loans extended to external parties.

Principal risks and uncertainties

 

Risk and uncertainties facing the group

The group faces both currency and credit risk. In order to mitigate these the company uses currency bank accounts decreasing its reliance on exchange rate fluctuations. It also has an in-house credit team in place. The primary risk is the Sterling/Euro versus the Dollar rate. The company also has an effective money management process investing surplus funds in short term money market in order to minimise currency risk.

MEMO FASHIONS LIMITED
STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 2 -

Currency risk

The group has transactional currency exposure mainly from purchases in currencies other than their functional currency. The group attempts to limit its exposure by negotiating contracts in its functional currency. The group also operates currency accounts for contracts negotiated in foreign currencies.

 

Interest rate risk

The group finances its operation through a mixture of retained reserves; trade asset based borrowing facility in respect of sales invoicing, stock and working capital. In respect of bank balances which include the trade debtor financing facility, the group agrees an interest rate applicable for each year. This helps the company maintain a balance between the continuity of funding and flexibility through the use of the overdraft.

 

Credit risk

The group's principal financial assets are trade debtors. The group monitors credit risk closely and considers that its current policies of credit checks meets its objective of managing exposure to credit risk. Credit risk involves setting limits for customers and this is based on their payment history together with third party references. There is continuous monitoring of amounts outstanding for both time and credit limits. The group also is insured for bad debts.

Laws and regulations

The group operates in a market which is subject to specific regulations. The directors and in-house qualified persons monitor the regulations to ensure that the group complies with its obligations. The group also has an in-house health and safety team who ensure that the group is in compliance with health and safety laws and an in-house regulatory team who ensure compliance with its licensing laws. The group through its HR department has implemented the automatic enrolment workplace pensions.

Development and performance

Directors continue to review their strategy and business models to improve the efficiency of the business. The plan going forward is to build upon efforts to increase the customer base and improve margins.

Going concern

The directors have prepared financial forecasts, which include sensitivities taking into account plausible downside scenarios of the business. The outlook of the business is positive based upon the turnover achieved subsequent to the year end and confirmed orders in hand for the foreseeable future. The directors have reasonable expectation that the company has adequate resources to cope with any downside scenario for at least twelve months from the date of approval of the financial statements.

On behalf of the board

P Banthia
Director
17 December 2025
MEMO FASHIONS 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 £2,085,015. 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:

N K Banthia
P Banthia
P Hegde
Qualifying third party indemnity provisions

The company has made qualifying third party indemnity provisions for the benefit of its directors during the year. These provisions remain in force at the reporting date.

Post reporting date events

Post balance sheet events are set out in note 22 to the financial statements.

Auditor

The auditor, King & King, is deemed to be reappointed under section 487(2) of the Companies Act 2006.

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.

Strategic report

The truegroup has chosen in accordance with Companies Act 2006, s. 414C(11) to set out in the group's strategic report information required by Large and Medium-sized Companies and Groups (Accounts and Reports) Regulations 2008, Sch. 7 to be contained in the directors' report. It has done so in respect of principal risks and uncertainties, financial reviews and key performance indicators.

MEMO FASHIONS LIMITED
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 4 -
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.

Medium-sized companies exemption

This report has been prepared in accordance with the provisions applicable to companies entitled to the medium-sized companies exemption.

On behalf of the board
P Banthia
Director
17 December 2025
MEMO FASHIONS LIMITED
INDEPENDENT AUDITOR'S REPORT
TO THE MEMBERS OF MEMO FASHIONS LIMITED
- 5 -
Opinion

We have audited the financial statements of Memo Fashions Limited (the 'parent company') and its subsidiaries (the 'group') for the year ended 31 March 2025 which comprise the consolidated statement of comprehensive income, the consolidated statement of financial position, the company statement of financial position, the consolidated statement of changes in equity, the company statement of changes in equity, the consolidated 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:

MEMO FASHIONS LIMITED
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE MEMBERS OF MEMO FASHIONS 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.

 

Explanation as to what extent the audit was considered capable of detecting irregularities, including fraud

 

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. Owing to the inherent limitations of an audit, there is an unavoidable risk that material misstatements in the financial statements may not be detected, even though the audit is properly planned and performed in accordance with the ISAs (UK).

The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

We obtained an understanding of the legal and regulatory frameworks that are applicable to the group and the parent company and determined that the most significant which are directly relevant to specific assertions in the financial statements are those related to the reporting frameworks Financial Reporting Standard 102 and the Companies Act 2006;

We assessed the susceptibility of the group and the parent company's financial statements to material misstatement, including how fraud might occur, by making enquires of management and those charged with governance. We utilised internal and external information to corroborate these enquiries and to perform a fraud risk assessment for the company. We considered the risk of fraud to be significant within the areas of the recognition of revenue and management override of controls. Audit procedures performed by the engagement team included:

 

MEMO FASHIONS LIMITED
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE MEMBERS OF MEMO FASHIONS LIMITED
- 7 -

In assessing the potential risks of material misstatement, we obtained an understanding of:

 

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 group’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 group’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 group and the group’s members as a body, for our audit work, for this report, or for the opinions we have formed.

Milankumar Patel (Senior Statutory Auditor)
For and on behalf of King & King Chartered Accountants, Statutory Auditor
Chartered Accountants
5th Floor
Watson House
54-60 Baker Street
London
W1U 7BU
17 December 2025
MEMO FASHIONS LIMITED
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 MARCH 2025
- 8 -
2025
2024
as restated
Notes
£
£
Revenue
3
14,547,466
10,064,487
Cost of sales
(12,645,882)
(8,393,252)
Gross profit
1,901,584
1,671,235
Distribution costs
(228,977)
(229,954)
Administrative expenses
(1,654,539)
(1,628,874)
Operating profit/(loss)
4
18,068
(187,593)
Investment income
7
391,151
316,062
Finance costs
8
(20,420)
(7,678)
Profit before taxation
388,799
120,791
Tax on profit
9
(111,977)
(29,547)
Profit for the financial year
19
276,822
91,244
Other comprehensive income
Currency translation gain/(loss) taken to retained earnings
6,640
(1,868)
Total comprehensive income for the year
283,462
89,376
Profit for the financial year is all attributable to the owner of the parent company.
Total comprehensive income for the year is all attributable to the owner of the parent company.
MEMO FASHIONS LIMITED
CONSOLIDATED STATEMENT OF FINANCIAL POSITION
AS AT
31 MARCH 2025
31 March 2025
- 9 -
2025
2024
as restated
Notes
£
£
£
£
Non-current assets
Property, plant and equipment
11
21,904
30,505
21,904
30,505
Current assets
Inventories
14
515,031
723,533
Trade and other receivables
15
3,686,998
1,497,568
Cash and cash equivalents
3,979,260
6,446,046
8,181,289
8,667,147
Current liabilities
16
(1,994,980)
(687,886)
Net current assets
6,186,309
7,979,261
Net assets
6,208,213
8,009,766
Equity
Called up share capital
18
1,000,000
1,000,000
Retained earnings
19
5,208,213
7,009,766
Total equity
6,208,213
8,009,766

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

The financial statements were approved by the board of directors and authorised for issue on 17 December 2025 and are signed on its behalf by:
17 December 2025
P Banthia
Director
Company registration number 01810877 (England and Wales)
MEMO FASHIONS LIMITED
COMPANY STATEMENT OF FINANCIAL POSITION
AS AT 31 MARCH 2025
31 March 2025
- 10 -
2025
2024
as restated
Notes
£
£
£
£
Non-current assets
Property, plant and equipment
11
20,340
30,580
Investments
12
20,521
20,521
40,861
51,101
Current assets
Inventories
14
515,031
723,533
Trade and other receivables
15
3,530,478
1,532,992
Cash and cash equivalents
3,937,367
6,398,546
7,982,876
8,655,071
Current liabilities
16
(1,910,089)
(743,970)
Net current assets
6,072,787
7,911,101
Net assets
6,113,648
7,962,202
Equity
Called up share capital
18
1,000,000
1,000,000
Retained earnings
19
5,113,648
6,962,202
Total equity
6,113,648
7,962,202

As permitted by s408 Companies Act 2006, the company has not presented its own income statement and related notes. The company's profit for the year was £236,461 (2024: £80,169 )

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 17 December 2025 and are signed on its behalf by:
17 December 2025
P Banthia
Director
Company registration number 01810877 (England and Wales)
MEMO FASHIONS LIMITED
CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025
- 11 -
Share capital
Retained earnings
Total
Notes
£
£
£
As restated for the period ended 31 March 2024:
Balance at 1 April 2023
1,000,000
6,920,390
7,920,390
Year ended 31 March 2024:
Profit for the year
-
91,244
91,244
Other comprehensive income:
Currency translation differences
-
(1,868)
(1,868)
Total comprehensive income
-
89,376
89,376
Balance at 31 March 2024
1,000,000
7,009,766
8,009,766
Year ended 31 March 2025:
Profit for the year
-
276,822
276,822
Other comprehensive income:
Currency translation differences
-
6,640
6,640
Total comprehensive income
-
283,462
283,462
Dividends
10
-
(2,085,015)
(2,085,015)
Balance at 31 March 2025
1,000,000
5,208,213
6,208,213
MEMO FASHIONS LIMITED
COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 MARCH 2025
- 12 -
Share capital
Retained earnings
Total
Notes
£
£
£
As restated for the period ended 31 March 2024:
Balance at 1 April 2023
1,000,000
6,882,034
7,882,034
Year ended 31 March 2024:
Profit and total comprehensive income for the year
-
80,168
80,168
Balance at 31 March 2024
1,000,000
6,962,202
7,962,202
Year ended 31 March 2025:
Profit and total comprehensive income
-
236,461
236,461
Dividends
10
-
(2,085,015)
(2,085,015)
Balance at 31 March 2025
1,000,000
5,113,648
6,113,648
MEMO FASHIONS LIMITED
GROUP STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2025
- 13 -
2025
2024
as restated
Notes
£
£
£
£
Cash flows from operating activities
Cash generated from operations
26
997,635
2,245,596
Interest paid
(20,420)
(7,678)
Income taxes paid
(47,452)
(1,851)
Net cash inflow from operating activities
929,763
2,236,067
Investing activities
Loans made
(1,705,000)
-
Interest received
391,151
316,062
Net cash (used in)/generated from investing activities
(1,313,849)
316,062
Financing activities
Borrowings
-
(284,750)
Dividends paid to equity shareholders
(2,085,015)
-
Net cash used in financing activities
(2,085,015)
(284,750)
Net (decrease)/increase in cash and cash equivalents
(2,469,101)
2,267,379
Cash and cash equivalents at beginning of year
6,446,046
4,180,535
Effect of foreign exchange rates
2,315
(1,868)
Cash and cash equivalents at end of year
3,979,260
6,446,046
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
- 14 -
1
Accounting policies
Company information

Memo Fashions Limited (“the company”) is a private limited company domiciled and incorporated in England and Wales. The registered office is .

 

The group consists of Memo Fashions 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. 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
Business combinations

In the parent company financial statements, the cost of a business combination is the fair value at the acquisition date of the assets given, equity instruments issued and liabilities incurred or assumed, plus costs directly attributable to the business combination. The excess of the cost of a business combination over the fair value of the identifiable assets, liabilities and contingent liabilities acquired is recognised as goodwill. The cost of the combination includes the estimated amount of contingent consideration that is probable and can be measured reliably, and is adjusted for changes in contingent consideration after the acquisition date. Provisional fair values recognised for business combinations in previous periods are adjusted retrospectively for final fair values determined in the 12 months following the acquisition date. Investments in subsidiaries, joint ventures and associates are accounted for at cost less impairment.

 

Deferred tax is recognised on differences between the value of assets (other than goodwill) and liabilities recognised in a business combination accounted for using the purchase method and the amounts that can be deducted or assessed for tax, considering the manner in which the carrying amount of the asset or liability is expected to be recovered or settled. The deferred tax recognised is adjusted against goodwill or negative goodwill.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 15 -
1.3
Basis of consolidation

The consolidated group financial statements consist of the financial statements of the parent company Memo Fashions 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.

1.4
Going concern

In assessing whether the financial statements should be prepared on a going concern basis, the directors have considered the outlook of the group and in doing so considered the future expected operating results, cash flows and likely availability of external and internal funding facilities. The future increase in business activities is based on several external factors which are beyond the management’s control, like achieving projected sales in clothing retail industry which is currently going through a phase of decline in demand. However, directors are optimistic that, based upon the turnover achieved subsequent to the year end and confirmed orders in hand for the foreseeable future, the company will be able to achieve a better financial result in the subsequent years.

 

The directors have prepared financial forecasts, which include sensitivities taking into account plausible downside scenarios of the business. The outlook of the business is positive based upon the turnover achieved subsequent to the year end and confirmed orders in hand for the foreseeable future. The directors have reasonable expectation that the company has adequate resources to cope with any downside scenario for at least twelve months from the date of approval of the accounts.The group also has enough cash reserves to meet its day-to-day operational costs for the foreseeable future. The directors have also committed to arrange any further funding as and when necessary.

 

At the time of approving the financial statements, the directors have reasonable expectations 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.

1.5
Revenue

Revenue 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.

1.6
Property, plant and equipment

Property, plant and equipment are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses. Cost includes the original purchase price and costs directly attributable to bringing the asset to its working condition for its intended use.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 16 -

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:

Leasehold improvements
20% straight line
Plant and equipment
20% straight line
Fixtures and fittings
20% straight line
Motor vehicles
25% reducing balance

The assets residual values and useful lives are reviewed and adjusted, if appropriate, at the end of each reporting period. The effect of any change is accounted for prospectively.

 

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
Non-current 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.

1.8
Impairment of non-current assets

At each reporting period end date, the group reviews the carrying amounts of its tangible 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.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 17 -
1.9
Inventories

Inventories are stated at the lower of cost and estimated selling price less costs to sell. Inventories are recognised as an expense in the period in which the related revenue is recognised.

 

Cost is determined on the weighted average cost method. Cost includes the purchase price, including taxes and duties and transport and handling directly attributable to bringing the inventory to its present location and condition.

At the end of each reporting period inventories are assessed for impairment. If an item of inventory is impaired, the identified inventory is reduced to its selling price less costs to complete and sell and an impairment charge is recognised in the profit and loss account. Where a reversal of the impairment is required the impairment charge is reversed, up to the original impairment loss, and is recognised as a credit in the profit and loss account.

 

1.10
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.

1.11
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 trade and other receivables 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.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 18 -
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.

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 trade and other payables, 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 payables 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 payables 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.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 19 -
Derecognition of financial liabilities

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

1.12
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.

1.13
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.

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.

1.14
Employee benefits

The costs of short-term employee benefits are recognised as a liability and an expense, unless those costs are required to be recognised as part of the cost of stock or non-current assets.

 

The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

 

Termination benefits are recognised immediately as an expense when the company is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

1.15
Retirement benefits

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

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.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 20 -
1.17
Foreign exchange

Transactions in currencies other than pounds sterling are recorded at the rates of exchange prevailing at the dates of the transactions. At each reporting end date, monetary assets and liabilities that are denominated in foreign currencies are retranslated at the rates prevailing on the reporting end date. Gains and losses arising on translation in the period are included in profit or loss.

2
Judgements and key sources of estimation uncertainty

In the application of the group’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.

Inventories impairments and provisions

Inventories are valued at the lower of cost and net realisable value. Net realisable value includes, where necessary, provisions for slow moving, obsolete and reject inventories. Calculation of these estimates require judgements to be made, which include forecasting consumer demand, competitive and economic environment and inventory loss trends. This is regularly reviewed by the management on a regular basis.

Useful lives of property, plant and equipment

Management reviews the useful lives of property, plant and equipment on a regular basis. Any changes in estimates may affect the carrying amounts of the respective property, plant and equipment with a corresponding effect on the related depreciation charge.

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.

Bad Debt Provisioning

An allowance for bad debts is made when collection of the full amount is no longer probable. Bad debts are written off when identified. The trade receivables balance is assessed at the end of each reporting period to determine whether there is objective evidence of impairment and recognises a bad debt allowance if such evidence arises.

3
Revenue
2025
2024
£
£
Revenue analysed by class of business
Sale of fashion garments
14,547,466
10,064,487
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
3
Revenue
(Continued)
- 21 -
2025
2024
£
£
Revenue analysed by geographical market
United Kingdom
2,441,370
3,232,270
Sales- EU
11,217,757
6,326,894
Sales- rest of the world
888,339
505,323
14,547,466
10,064,487
2025
2024
£
£
Other revenue
Interest income
391,151
316,062
4
Operating profit/(loss)
2025
2024
£
£
Operating profit/(loss) for the year is stated after charging/(crediting):
Exchange gains
(672,184)
(428,518)
Fees payable to the group's auditor for the audit of the group's financial statements
11,000
11,000
Depreciation of owned property, plant and equipment
12,926
13,769
Operating lease charges
190,692
166,720
5
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
12
10
11
9
Sales and merchandising
7
7
7
7
Design and Quality
10
10
10
10
Total
29
27
28
26
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
5
Employees
(Continued)
- 22 -

Their aggregate remuneration comprised:

Group
Company
2025
2024
2025
2024
£
£
£
£
Wages and salaries
675,985
730,734
675,985
730,734
Social security costs
71,908
78,685
71,908
78,685
Pension costs
11,920
13,970
11,920
13,970
759,813
823,389
759,813
823,389
Redundancy payments made or committed
-
42,589
-
42,589
6
Directors' remuneration
2025
2024
£
£
Remuneration for qualifying services
62,501
124,488
Company pension contributions to defined contribution schemes
1,043
2,154
63,544
126,642

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

7
Investment income
2025
2024
£
£
Interest income
Interest on bank deposits
148,151
162,062
Other interest income
243,000
154,000
Total income
391,151
316,062
8
Finance costs
2025
2024
£
£
Interest on bank overdrafts and loans
20,420
7,678
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 23 -
9
Taxation
2025
2024
£
£
Current tax
UK corporation tax on profits for the current period
92,221
23,527
Foreign current tax on profits for the current period
19,756
6,020
Total current tax
111,977
29,547

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
388,799
120,791
Expected tax charge based on the standard rate of corporation tax in the UK of 25.00% (2024: 25.00%)
97,200
30,198
Tax effect of expenses that are not deductible in determining taxable profit
11,415
8,891
Tax effect of income not taxable in determining taxable profit
(15,030)
(4,274)
Tax effect of utilisation of tax losses not previously recognised
-
0
(9,484)
Permanent capital allowances in excess of depreciation
(1,364)
(1,804)
Effect of overseas tax rates
19,756
6,020
Taxation charge
111,977
29,547
10
Dividends
2025
2024
Recognised as distributions to equity holders:
£
£
Final paid
2,085,015
-
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 24 -
11
Property, plant and equipment
Group
Leasehold improvements
Plant and equipment
Fixtures and fittings
Motor vehicles
Total
£
£
£
£
£
Cost
At 1 April 2024
622,003
634,053
306,700
24,541
1,587,297
Transfers
(622,003)
-
0
-
0
-
0
(622,003)
Exchange adjustments
-
0
-
0
5,128
-
0
5,128
At 31 March 2025
-
0
634,053
311,828
24,541
970,422
Depreciation and impairment
At 1 April 2024
622,003
612,357
298,102
24,330
1,556,792
Depreciation charged in the year
-
0
1,514
11,359
53
12,926
Transfers
(622,003)
-
0
-
0
-
0
(622,003)
Exchange adjustments
-
0
-
0
803
-
0
803
At 31 March 2025
-
0
613,871
310,264
24,383
948,518
Carrying amount
At 31 March 2025
-
0
20,182
1,564
158
21,904
At 31 March 2024
-
0
21,696
8,598
211
30,505
Company
Leasehold improvements
Plant and equipment
Fixtures and fittings
Motor vehicles
Total
£
£
£
£
£
Cost
At 1 April 2024
622,003
634,053
292,824
24,541
1,573,421
Transfers
(622,003)
-
0
-
0
-
0
(622,003)
At 31 March 2025
-
0
634,053
292,824
24,541
951,418
Depreciation and impairment
At 1 April 2024
622,003
612,357
284,151
24,330
1,542,841
Depreciation charged in the year
-
0
1,514
8,673
53
10,240
Transfers
(622,003)
-
0
-
0
-
0
(622,003)
At 31 March 2025
-
0
613,871
292,824
24,383
931,078
Carrying amount
At 31 March 2025
-
0
20,182
-
0
158
20,340
At 31 March 2024
-
0
21,696
8,673
211
30,580
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 25 -
12
Fixed asset investments
Group
Company
2025
2024
2025
2024
Notes
£
£
£
£
Investments in subsidiaries
13
-
0
-
0
20,521
20,521
Movements in non-current investments
Company
Shares in subsidiaries
£
Cost or valuation
At 1 April 2024 and 31 March 2025
20,521
Carrying amount
At 31 March 2025
20,521
At 31 March 2024
20,521
13
Subsidiaries

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

Name of undertaking
Registered office
Class of
% Held
shares held
Direct
Memo GmbH
Germany
Ordinary
100.00
14
Inventories
Group
Company
2025
2024
2025
2024
£
£
£
£
Finished goods and goods for resale
515,031
723,533
515,031
723,533

There is no significant difference between the replacement cost of the inventory and its carrying amount. Inventories are stated after provision for impairment amounting to £ Nil (2024: £94,214).

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 26 -
15
Trade and other receivables
Group
Company
2025
2024
2025
2024
Amounts falling due within one year:
£
£
£
£
Trade receivables
1,847,691
464,053
1,742,417
535,030
Other receivables
1,819,041
59,339
1,767,795
23,786
Prepayments and accrued income
20,266
19,176
20,266
19,176
3,686,998
542,568
3,530,478
577,992
Amounts falling due after more than one year:
Other receivables
-
0
955,000
-
0
955,000
Total debtors
3,686,998
1,497,568
3,530,478
1,532,992

Other debtors includes loans given by the company to an external company. As at the year end, outstanding loan receivable is £1,705,000 (2024: £955,000). These loans are secured by the personal guarantees from the directors of the borrowing company and by share transfer arrangement. £955,000 loan bears an interest rate of 17.59% and has a maturity date in march 2026. Loan amounting to £750,000 bears an interest rate of 10% and was settled in July 2025.

16
Current liabilities
Group
Company
2025
2024
2025
2024
£
£
£
£
Trade payables
862,223
559,064
795,604
626,417
Corporation tax payable
92,221
27,696
92,221
23,527
Other taxation and social security
20,799
36,620
20,799
36,620
Other payables
1,005,949
7,100
987,677
-
0
Accruals and deferred income
13,788
57,406
13,788
57,406
1,994,980
687,886
1,910,089
743,970
17
Retirement benefit schemes
2025
2024
Defined contribution schemes
£
£
Charge to profit or loss in respect of defined contribution schemes
11,920
13,970

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.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 27 -
18
Share capital
Group and company
2025
2024
2025
2024
Ordinary share capital
Number
Number
£
£
Issued and fully paid
Ordinary shares of £1 each
1,000,000
1,000,000
1,000,000
1,000,000

There is a single class of ordinary shares. There are no restrictions on the distribution of dividends and the repayment of capital.

19
Reserves
20
Financial commitments, guarantees and contingent liabilities

The bank has provided guarantee on behalf of the group in favour of customs in Germany for the sum of EUR300,000. The bank has also provided CLAS Guarantee facility of USD500,000.The bank has floating and fixed charge over all assets of the group.

 

 

21
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
93,854
127,147
93,854
127,147
Between two and five years
908,257
-
908,257
-
In over five years
136,238
-
136,238
-
1,138,349
127,147
1,138,349
127,147
22
Events after the reporting date

On 24 November 2025, Memo Fashions Limited commenced a share buy-back programme for up to 250,000 shares at a price of £10.00 per share, following approval by the Board. Between that date and the date these financial statements were authorized for issue, the Company repurchased 250,000 ordinary shares for a total consideration of £2,500,000.

 

Management has assessed the Company’s liquidity position following the buy-back and determined that the Company continues to have sufficient liquidity available.

MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 28 -
23
Related party transactions

The company and group has taken advantage of the exemption contained in FRS 102 and not disclosed transactions entered into with wholly-owned group companies.

 

A German company was paid £ 40,631 (2024: £41,691) for services provided to the German subsidiary during the year.The said German company is a related party by virtue of one of the directors being the same as in Memo GmbH.

 

During the year, one of the director's spouse also received salary and benefits amounting to £ 38,155 (2024: £42,929 ).

24
Directors' transactions

At the year end, Director's current account was £987,677 (2024:£ Nil).

Advances
% Rate
Opening balance
Amounts advanced
Closing balance
£
£
£
Director's current account
-
-
987,677
987,677
-
987,677
987,677
25
Controlling party

Mr N Banthia and his close family control the company by virtue of their shareholdings.

26
Cash generated from group operations
2025
2024
£
£
Profit for the year after tax
276,822
91,244
Adjustments for:
Taxation charged
111,977
29,547
Finance costs
20,420
7,678
Investment income
(391,151)
(316,062)
Depreciation and impairment of property, plant and equipment
12,926
13,769
Movements in working capital:
Decrease in inventories
208,502
289,732
(Increase)/decrease in trade and other receivables
(484,430)
2,127,451
Increase/(decrease) in trade and other payables
1,242,569
(952,763)
Cash generated from operations
997,635
1,290,596
MEMO FASHIONS LIMITED
NOTES TO THE GROUP FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 29 -
27
Analysis of changes in net funds - group
1 April 2024
Cash flows
Exchange rate movements
31 March 2025
£
£
£
£
Cash at bank and in hand
6,446,046
(2,469,101)
2,315
3,979,260
28
Prior period adjustment

Loan disclosed as investment in last year amounting to £955,000 has been reclassified to current assets. This was the loan given to external party and was erroneously classified under fixed assets investments as at 31st March 2024. This is now reclassified under other receivables for correct presentation.

Adjustments to equity - group
The prior period adjustments do not give rise to any effect upon equity.
Adjustments to equity - company
The prior period adjustments do not give rise to any effect upon equity.
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