Company No: 12741297 (England and Wales)

Contents

• Company Information
• Balance Sheet
• Notes to the Financial Statements

DIRECTORS	Nicholas Jeremy Blake
	Graham Jones
	John William Nurden

REGISTERED OFFICE	5 Westfield House Millfield Lane
	Nether Poppleton
	York
	YO26 6GA
	United Kingdom

COMPANY NUMBER

12741297 (England and Wales)

ACCOUNTANT	Ian Walker & Co Chartered Accountants
	Wellington House
	Aviator Clourt
	Clifton Moor
	York
	YO30 4UZ
	United Kingdom

	Note	30.09.2025		30.09.2024
		£		£
Fixed assets
Tangible assets	3	1,450		2,226
		1,450		2,226
Current assets
Debtors	4	77,375		75,148
Cash at bank and in hand	5	52,208		37,134
		129,583		112,282
Creditors: amounts falling due within one year	6	( 87,046)		( 81,553)
Net current assets		42,537		30,729
Total assets less current liabilities		43,987		32,955
Net assets		43,987		32,955
Capital and reserves
Called-up share capital	7	450		450
Profit and loss account		43,537		32,505
Total shareholders' funds		43,987		32,955

For the financial year ending 30 September 2025 the Company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

• The members have not required the Company to obtain an audit of its financial statements for the financial year in accordance with section 476;
• The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements; and
• These financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime and a copy of the Statement of Income and Retained Earnings has not been delivered.

The financial statements of Ebor Mortgages Limited (registered number: 12741297) were approved and authorised for issue by the Board of Directors on 03 November 2025. They were signed on its behalf by:

Nicholas Jeremy Blake Director

1. Accounting policies

The principal accounting policies are summarised below. They have all been applied consistently throughout the financial year and to the preceding financial year, unless otherwise stated.

General information and basis of accounting

Ebor Mortgages Limited (the Company) is a private company, limited by shares, incorporated in the United Kingdom under the Companies Act 2006 and is registered in England and Wales. The address of the Company's registered office is 5 Westfield House Millfield Lane, Nether Poppleton, York, YO26 6GA, United Kingdom.

The financial statements have been prepared under the historical cost convention, modified to include certain items at fair value, and in accordance with Section 1A of Financial Reporting Standard 102 (FRS 102) ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland’ issued by the Financial Reporting Council and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime.

The financial statements are presented in pounds sterling which is the functional currency of the Company and rounded to the nearest £.

Going concern

The directors have assessed the Balance Sheet and likely future cash flows at the date of approving these financial statements. The directors have a reasonable expectation that the Company has adequate resources to continue in operational existence and to meet its financial obligations as they fall due for at least 12 months from the date of signing these financial statements. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.

Turnover

Turnover 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.

Turnover is recognised when the significant risks and rewards are considered to have been transferred to the customer.

Taxation

Current tax
Current tax is provided at amounts expected to be paid (or recoverable) using the tax rates and laws that have been enacted or substantively enacted at the Balance Sheet date.

Tangible fixed assets

Tangible fixed assets are stated at cost or valuation, net of depreciation and any provision for impairment. Depreciation is provided on all tangible fixed assets, other than investment property and freehold land, at rates calculated to write off the cost or valuation, less estimated residual value, of each asset on a straight-line or reducing balance basis over its expected useful life, as follows:

Land and buildings	10 years straight line
Plant and machinery etc.	3 years straight line

Residual value represents the estimated amount which would currently be obtained from disposal of an asset, after deducting estimated costs of disposal, if the asset were already of the age and in the condition expected at the end of its useful life.

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 credited or charged to profit or loss.

Impairment of assets

Assets, other than those measured at fair value, are assessed for indicators of impairment at each Balance Sheet date. If there is objective evidence of impairment, an impairment loss is recognised in the Statement of Income and Retained Earnings as described below.

2. Employees

	30.09.2025		30.09.2024
	Number		Number
Monthly average number of persons employed by the Company during the year, including directors	5		5

3. Tangible assets

	Land and buildings		Plant and machinery etc.		Total
	£		£		£
Cost
At 01 October 2024	1,030		7,836		8,866
Additions	0		498		498
At 30 September 2025	1,030		8,334		9,364
Accumulated depreciation
At 01 October 2024	206		6,434		6,640
Charge for the financial year	103		1,171		1,274
At 30 September 2025	309		7,605		7,914
Net book value
At 30 September 2025	721		729		1,450
At 30 September 2024	824		1,402		2,226

4. Debtors

	30.09.2025		30.09.2024
	£		£
Trade debtors	71,135		73,089
Other debtors	6,240		2,059
	77,375		75,148

5. Cash and cash equivalents

	30.09.2025		30.09.2024
	£		£
Cash at bank and in hand	24,208		21,433
Short-term deposits	28,000		15,701
	52,208		37,134

6. Creditors: amounts falling due within one year

	30.09.2025		30.09.2024
	£		£
Trade creditors	0		683
Taxation and social security	33,548		29,190
Other creditors	53,498		51,680
	87,046		81,553

7. Called-up share capital

	30.09.2025		30.09.2024
	£		£
Allotted, called-up and fully-paid
150 Ordinary shares of £ 1.00 each	150		150
50 Ordinary A shares of £ 1.00 each	50		50
50 Ordinary B shares of £ 1.00 each	50		50
50 Ordinary C shares of £ 1.00 each	50		50
50 Ordinary D shares of £ 1.00 each	50		50
50 Ordinary E shares of £ 1.00 each	50		50
50 Ordinary F shares of £ 1.00 each	50		50
	450		450