0 01/10/2024 31/12/2025 2025-12-31 false false false false false false false true false false true false false false false false false false No description of principal activities is disclosed 2024-10-01 Sage Accounts Production 24.0 - FRS102_2024 xbrli:pure xbrli:shares iso4217:GBP 13620114 2024-10-01 2025-12-31 13620114 2025-12-31 13620114 2024-09-30 13620114 2023-10-01 2024-09-30 13620114 2024-09-30 13620114 2023-09-30 13620114 bus:RegisteredOffice 2024-10-01 2025-12-31 13620114 bus:Director1 2024-10-01 2025-12-31 13620114 core:WithinOneYear 2025-12-31 13620114 core:WithinOneYear 2024-09-30 13620114 bus:Director1 2024-09-30 13620114 bus:Director1 2023-10-01 2024-09-30 13620114 bus:Micro-entities 2024-10-01 2025-12-31 13620114 bus:AuditExempt-NoAccountantsReport 2024-10-01 2025-12-31 13620114 bus:SmallCompaniesRegimeForAccounts 2024-10-01 2025-12-31 13620114 bus:PrivateLimitedCompanyLtd 2024-10-01 2025-12-31 13620114 bus:FullAccounts 2024-10-01 2025-12-31
Company registration number: 13620114
SJW Financial Limited
Trading as SJW Financial Limited
Unaudited filleted financial statements
31 December 2025
SJW Financial Limited
Contents
Directors and other information
Statement of financial position and notes to the financial statements
SJW Financial Limited
Directors and other information

| Director | Mrs Sandra Wray
| Company number | 13620114
| Registered office | 9 Westfield Close
|  | Whalley
|  | Clitheroe
|  | Lancashire
|  | BB7 9XG
| Business address | 9 Westfield Close
|  | Whalley
|  | Clitheroe
|  | Lancashire
|  | BB7 9XG

SJW Financial Limited
Statement of financial position
31 December 2025

|  |  | 2025 |  | 2024 |  |
|  |  | £ |  | £ |  |
Current assets |  |  | 796 |  | 3,710 |  |
Creditors: amounts falling due within one year |  |  | ( 695) |  | ( 3,166) |  |
|  |  | _______ |  | _______ |  |
Net current assets |  |  | 101 |  | 544 |  |
|  |  | _______ |  | _______ |  |
Total assets less current liabilities |  |  | 101 |  | 544 |  |
Accruals and deferred income |  |  | - |  | ( 475) |  |
|  |  | _______ |  | _______ |  |
Net assets |  |  | 101 |  | 69 |  |
|  |  | _______ |  | _______ |  |
Capital and reserves |  |  | 101 |  | 69 |  |
|  |  | _______ |  | _______ |  |

Notes to the financial statements
SJW Financial Limited
Year ended 31 December 2025
1. Employee numbers
The average number of persons employed by the company during the year amounted to Nil (2024: 1 ).
2. Directors advances, credits and guarantees

| During the year the director entered into the following advances and credits with the company: |  |  |  |  |  |
2025 |  |  |  |  |  |  |
|  | Balance brought forward | Advances /(credits) to the director | Balance o/standing |  |  |
|  | £ | £ | £ |  |  |
| Mrs Sandra Wray | - | - | - |  |  |
|  | _______ | _______ | _______ |  |  |
2024 |  |  |  |  |  |  |
|  | Balance brought forward | Advances /(credits) to the director | Balance o/standing |  |  |
|  | £ | £ | £ |  |  |
| Mrs Sandra Wray | - | ( 1,892) | ( 1,892) |  |  |
|  | _______ | _______ | _______ |  |  |

For the year ending 31 December 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
Directors responsiblities:
- The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476.
- The director acknowledges her responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
The financial statements have been prepared in accordance with the micro-entity provisions and have been delivered in accordance with the provisions applicable to companies subject to the small companies regime.
These financial statements were approved by the board of directors and authorised for issue on 31 January 2026 , and are signed on behalf of the board by:
Mrs Sandra Wray
Director
Company registration number: 13620114
The company is a private company limited by shares, registered in United Kingdom.