Integrity Mortgages Limited

	Page
Balance Sheet	1—2
Notes to the Financial Statements	3—4

Registered number: 08651906

		2025		2024
	Notes	£	£	£	£
FIXED ASSETS
Tangible Assets	4		316,954		146,226

			316,954		146,226
CURRENT ASSETS
Debtors	5	2,671,306		1,737,193
Cash at bank and in hand		6,600		401,559

		2,677,906		2,138,752
Creditors: Amounts Falling Due Within One Year	6	(337,262 )		(102,398 )

NET CURRENT ASSETS (LIABILITIES)			2,340,644		2,036,354

TOTAL ASSETS LESS CURRENT LIABILITIES			2,657,598		2,182,580

PROVISIONS FOR LIABILITIES
Deferred Taxation			(46,715 )		(4,033 )

NET ASSETS			2,610,883		2,178,547

CAPITAL AND RESERVES
Called up share capital	7		2		2
Profit and Loss Account			2,610,881		2,178,545

SHAREHOLDERS' FUNDS			2,610,883		2,178,547

Page 1

Page 2

Integrity Mortgages Limited

Balance Sheet (continued)

As At 31 March 2025

For the year ending 31 March 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.

On behalf of the board

Mr Anthony OCarroll

Director

31/12/2025

The notes on pages 3 to 4 form part of these financial statements.

1. General Information

Integrity Mortgages Limited is a private company, limited by shares, incorporated in England & Wales, registered number 08651906 . The registered office is The Old Bank, 109 Rowlands Road, Worthing, West Sussex, BN11 3LA.

2. Accounting Policies

2.1. Basis of Preparation of Financial Statements

The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.

2.2. Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts and rebates.

2.3. Tangible Fixed Assets and Depreciation

Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Freehold	Depn Policy - none
Fixtures & Fittings	18% on Reducing Balance
Computer Equipment	5 years straight line

2.4. Leasing and Hire Purchase Contracts

Assets obtained under finance leases are capitalised as tangible fixed assets. Assets acquired under finance leases are depreciated over the shorter of the lease term and their useful lives. Assets acquired under hire purchase contracts are depreciated over their useful lives. Finance leases are those where substantially all of the benefits and risks of ownership are assumed by the company. Obligations under such agreements are included in the creditors net of the finance charge allocated to future periods. The finance element of the rental payment is charged to the profit and loss account so as to produce a constant periodic rate of charge on the net obligation outstanding in each period.

Rentals applicable to operating leases where substantially all of the benefits and risks of ownership remain with the lessor are charged to the profit and loss account as incurred.

2.5. Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the balance sheet date.

Deferred tax

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable -that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

2.6. Pensions

The company operates a defined pension contribution scheme. Contributions are charged to the profit and loss account as they become payable in accordance with the rules of the scheme.

3. Average Number of Employees

Average number of employees, including directors, during the year was: 4 (2024: 5)

Page 3

Page 4

Integrity Mortgages Limited

Notes to the Financial Statements (continued)

For The Year Ended 31 March 2025

4. Tangible Assets

	Land & Property
	Freehold	Fixtures & Fittings	Computer Equipment	Total
	£	£	£	£
Cost or Valuation
As at 1 April 2024	125,000	89,127	8,213	222,340
Revaluation	175,000	-	-	175,000

As at 31 March 2025	300,000	89,127	8,213	397,340

Depreciation
As at 1 April 2024	-	68,708	7,406	76,114
Provided during the period	-	3,675	597	4,272

As at 31 March 2025	-	72,383	8,003	80,386

Net Book Value
As at 31 March 2025	300,000	16,744	210	316,954

As at 1 April 2024	125,000	20,419	807	146,226

5. Debtors

	2025	2024
	£	£
Due within one year
Other debtors	665,470	168,453
Due after more than one year
Other debtors	2,005,836	1,568,740

	2,671,306	1,737,193

6. Creditors: Amounts Falling Due Within One Year

	2025	2024
	£	£
Other creditors	1,870	1,350
Taxation and social security	335,392	101,048

	337,262	102,398

7. Share Capital

	2025	2024
	£	£
Allotted, Called up and fully paid	2	2

Page 4