REGISTERED NUMBER: 09670025 (England and Wales)

Financial Statements for the Year Ended 31 July 2025

for

Fresh Mortgages-UK Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTOR:

Mr R J Sanders

REGISTERED OFFICE:

2 Grantham Mews

Berkhamsted

Hertfordshire

HP4 2XT

REGISTERED NUMBER:

09670025 (England and Wales)

ACCOUNTANTS:

Farrell & Co

1C Amberside

Wood Lane

Hemel Hempstead

Hertfordshire

HP2 4TP

FIXED ASSETS

Tangible assets

4

4,050

5,399

CURRENT ASSETS

Debtors

5

7,947

-

Cash at bank

59,808

81,863

67,755

81,863

CREDITORS

Amounts falling due within one year

6

7,604

18,202

NET CURRENT ASSETS

60,151

63,661

TOTAL ASSETS LESS CURRENT LIABILITIES

64,201

69,060

PROVISIONS FOR LIABILITIES

769

1,026

NET ASSETS

63,432

68,034

CAPITAL AND RESERVES

Called up share capital

7

7

7

Retained earnings

8

63,425

68,027

SHAREHOLDERS' FUNDS

63,432

68,034

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

The members have not required the company to obtain an audit of its financial statements for the year ended 31 July 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 27 April 2026 and were signed by:

Mr R J Sanders - Director

1.	STATUTORY INFORMATION

Fresh Mortgages-UK Limited 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.

The presentation currency of the financial statements is the Pound Sterling (£).

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.

Turnover

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

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Fixtures and fittings

-

25% on reducing balance

Computer equipment

-

25% on reducing balance

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 3 (2024 - 3 ) .

4.	TANGIBLE FIXED ASSETS

Fixtures

and

Computer

fittings

equipment

Totals

£

£

£

COST

At 1 August 2024

and 31 July 2025

7,175

10,970

18,145

DEPRECIATION

At 1 August 2024

5,776

6,970

12,746

Charge for year

349

1,000

1,349

At 31 July 2025

6,125

7,970

14,095

NET BOOK VALUE

At 31 July 2025

1,050

3,000

4,050

At 31 July 2024

1,399

4,000

5,399

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.7.25

31.7.24

£

£

Other debtors

7,947

-

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.7.25

31.7.24

£

£

Taxation and social security

5,120

3,211

Other creditors

2,484

14,991

7,604

18,202

7.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

31.7.25

31.7.24

value:

£

£

2

Ordinary

£1

2

2

1

Ordinary B

£1

1

1

1

Ordinary C

£1

1

1

1

Ordinary D

£1

1

1

1

Ordinary E

£1

1

1

1

Ordinary F

£1

1

1

7

7

8.

RESERVES

Retained

earnings

£

At 1 August 2024

68,027

Profit for the year

19,198

Dividends

(23,800

)

At 31 July 2025

63,425