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REGISTERED NUMBER: 09642377 (England and Wales)

UNAUDITED FINANCIAL STATEMENTS

FOR THE PERIOD 1 JULY 2024 TO 31 OCTOBER 2025

FOR

VIZION MORTGAGES LTD

| VIZION MORTGAGES LTD (REGISTERED NUMBER: 09642377) |

CONTENTS OF THE FINANCIAL STATEMENTS

FOR THE PERIOD 1 JULY 2024 TO 31 OCTOBER 2025

Page |

| Company Information | 1 |

| Balance Sheet | 2 |

| Notes to the Financial Statements | 3 |

| VIZION MORTGAGES LTD |

COMPANY INFORMATION

FOR THE PERIOD 1 JULY 2024 TO 31 OCTOBER 2025

| DIRECTOR: | C M Woulds

| SECRETARY: | C Woulds

| REGISTERED OFFICE: | Room 73, Wrest House Wrest Park

| Silsoe

| Bedford

| MK45 4HR

| REGISTERED NUMBER: | 09642377 (England and Wales)

| ACCOUNTANTS: | MDG Business Associates Limited

| Room 73

| Wrest House

| Wrest Park

| Silsoe

| Bedfordshire

| MK45 4HR

| VIZION MORTGAGES LTD (REGISTERED NUMBER: 09642377) |

BALANCE SHEET

31 OCTOBER 2025

| 2025 | 2024 |

| Notes | £ | £ | £ | £ |

FIXED ASSETS

Intangible assets | 4 | - |  | - |  |

Tangible assets | 5 | 58,937 |  | 1,406 |  |

58,937 |  | 1,406 |  |

CURRENT ASSETS

Debtors | 6 | - |  | 2,275 |  |

Cash at bank | 24,753 |  | 27,834 |  |

24,753 |  | 30,109 |  |

CREDITORS

Amounts falling due within one year | 7 | 23,635 |  | 18,262 |  |

NET CURRENT ASSETS | 1,118 |  | 11,847 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | 60,055 |  | 13,253 |  |

CREDITORS

Amounts falling due after more than one year | 8 | 50,360 |  | 12,850 |  |

NET ASSETS | 9,695 |  | 403 |  |

CAPITAL AND RESERVES

Called up share capital | 9 | 1 |  | 1 |  |

Retained earnings | 9,694 |  | 402 |  |

SHAREHOLDERS' FUNDS | 9,695 |  | 403 |  |

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the period ended 31 October 2025.

The members have not required the company to obtain an audit of its financial statements for the period ended 31 October 2025 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges his responsibilities for:

(a) | ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b) | preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

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

In accordance with Section 444 of the Companies Act 2006, the Income Statement has not been delivered.

The financial statements were approved by the director and authorised for issue on 16 January 2026 and were signed by:

C M Woulds - Director

| VIZION MORTGAGES LTD (REGISTERED NUMBER: 09642377) |

NOTES TO THE FINANCIAL STATEMENTS

FOR THE PERIOD 1 JULY 2024 TO 31 OCTOBER 2025

1. | STATUTORY INFORMATION

| Vizion Mortgages Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

2. | ACCOUNTING POLICIES

| Basis of preparing the financial statements

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

| The comparatives relate to the year 01 July 2023 to 31 June 2024.

| Turnover

| Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

| Intangible assets

| Intangible assets are initially measured at cost. After initial recognition, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

| Computer software is being amortised evenly over its estimated useful life of five years.

| Tangible fixed assets

| Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life or, if held under a finance lease, over the lease term, whichever is the shorter.

| Fixtures and fittings | - | 25% on cost

| Motor vehicles | - | 25% on cost

| Taxation

| Taxation for the period 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 period 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.

| Hire purchase and leasing commitments

| Assets obtained under hire purchase contracts or finance leases are capitalised in the balance sheet. Those held under hire purchase contracts are depreciated over their estimated useful lives. Those held under finance leases are depreciated over their estimated useful lives or the lease term, whichever is the shorter.

| The interest element of these obligations is charged to profit or loss over the relevant period. The capital element of the future payments is treated as a liability.

| Pension costs and other post-retirement benefits

| The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

3. | EMPLOYEES AND DIRECTORS

| The average number of employees during the period was 6 (2024 - 6 ) .

| VIZION MORTGAGES LTD (REGISTERED NUMBER: 09642377) |

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE PERIOD 1 JULY 2024 TO 31 OCTOBER 2025

4. | INTANGIBLE FIXED ASSETS

| Computer

| software

£ |

| Cost

| At 1 July 2024

| and 31 October 2025 | 650 |  |

| Amortisation

| At 1 July 2024

| and 31 October 2025 | 650 |  |

| Net book value

| At 31 October 2025 | - |  |

| At 30 June 2024 | - |  |

5. | TANGIBLE FIXED ASSETS

| Fixtures |

| and |  | Motor |

| fittings |  | vehicles |  | Totals

£ | £ | £ |

| Cost

| At 1 July 2024 | 4,159 |  | - |  | 4,159 |  |

| Additions | 950 |  | 57,851 |  | 58,801 |  |

| At 31 October 2025 | 5,109 |  | 57,851 |  | 62,960 |  |

| Depreciation

| At 1 July 2024 | 2,753 |  | - |  | 2,753 |  |

| Charge for period | 65 |  | 1,205 |  | 1,270 |  |

| At 31 October 2025 | 2,818 |  | 1,205 |  | 4,023 |  |

| Net book value

| At 31 October 2025 | 2,291 |  | 56,646 |  | 58,937 |  |

| At 30 June 2024 | 1,406 |  | - |  | 1,406 |  |

| Fixed assets, included in the above, which are held under finance leases are as follows:

| Motor

| vehicles

£ |

| Cost

| Additions | 57,851 |  |

| At 31 October 2025 | 57,851 |  |

| Depreciation

| Charge for period | 1,205 |  |

| At 31 October 2025 | 1,205 |  |

| Net book value

| At 31 October 2025 | 56,646 |  |

6. | DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |

2025 | 2024 |

£ | £ |

| Director's loan account | - |  | 2,275 |  |

| VIZION MORTGAGES LTD (REGISTERED NUMBER: 09642377) |

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE PERIOD 1 JULY 2024 TO 31 OCTOBER 2025

7. | CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |

2025 | 2024 |

£ | £ |

| Finance leases | 7,620 |  | - |  |

| Trade creditors | 2,098 |  | 780 |  |

| Tax | 11,910 |  | 17,162 |  |

| Social security and other taxes | - |  | 273 |  |

| Other creditors | - |  | 47 |  |

| Director's loan account | 7 |  | - |  |

| Accruals and deferred income | 2,000 |  | - |  |

23,635 |  | 18,262 |  |

| Obligations held under hire purchase and other loans are secured on the assets concerned.

8. | CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR |

2025 | 2024 |

£ | £ |

| Other loans - 1-2 years | 5,129 |  | 12,850 |  |

| Finance leases | 45,231 |  | - |  |

50,360 |  | 12,850 |  |

| Obligations held under hire purchase and other loans are secured on the assets concerned.

9. | CALLED UP SHARE CAPITAL

| Allotted, issued and fully paid:

| Number: | Class: | Nominal | 2025 | 2024 |

| value: | £ | £ |

| 1 | Ordinary | 1 | 1 |  | 1 |  |

10. | RELATED PARTY DISCLOSURES

| Included within creditors is an amount of £7 (2024: £2,275 debtor) due from the company to C Woulds, director. During the year repayments of £2,275 were made to the company. No interest has been charged on this balance during the period (2024: £Nil) and there are no set repayment terms in place.