Acorah Software Products - Accounts Production 19.2.350 false true 31 January 2025 1 February 2024 false 1 February 2025 31 January 2026 31 January 2026 08382553 Mr Michael Newell iso4217:GBP iso4217:EUR iso4217:USD xbrli:shares xbrli:pure xbrli:pure 08382553 2025-01-31 08382553 2026-01-31 08382553 2025-02-01 2026-01-31 08382553 frs-core:CurrentFinancialInstruments 2026-01-31 08382553 frs-core:Non-currentFinancialInstruments 2026-01-31 08382553 frs-core:BetweenOneFiveYears 2026-01-31 08382553 frs-core:ComputerEquipment 2026-01-31 08382553 frs-core:ComputerEquipment 2025-02-01 2026-01-31 08382553 frs-core:ComputerEquipment 2025-01-31 08382553 frs-core:FurnitureFittings 2026-01-31 08382553 frs-core:FurnitureFittings 2025-02-01 2026-01-31 08382553 frs-core:FurnitureFittings 2025-01-31 08382553 frs-core:MotorVehicles 2026-01-31 08382553 frs-core:MotorVehicles 2025-02-01 2026-01-31 08382553 frs-core:MotorVehicles 2025-01-31 08382553 frs-core:PlantMachinery 2026-01-31 08382553 frs-core:PlantMachinery 2025-02-01 2026-01-31 08382553 frs-core:PlantMachinery 2025-01-31 08382553 frs-core:WithinOneYear 2026-01-31 08382553 frs-core:ShareCapital 2026-01-31 08382553 frs-core:RetainedEarningsAccumulatedLosses 2026-01-31 08382553 frs-bus:PrivateLimitedCompanyLtd 2025-02-01 2026-01-31 08382553 frs-bus:FilletedAccounts 2025-02-01 2026-01-31 08382553 frs-bus:SmallEntities 2025-02-01 2026-01-31 08382553 frs-bus:AuditExempt-NoAccountantsReport 2025-02-01 2026-01-31 08382553 frs-bus:SmallCompaniesRegimeForAccounts 2025-02-01 2026-01-31 08382553 frs-bus:Director1 2025-02-01 2026-01-31 08382553 frs-countries:EnglandWales 2025-02-01 2026-01-31 08382553 2024-01-31 08382553 2025-01-31 08382553 2024-02-01 2025-01-31 08382553 frs-core:CurrentFinancialInstruments 2025-01-31 08382553 frs-core:Non-currentFinancialInstruments 2025-01-31 08382553 frs-core:BetweenOneFiveYears 2025-01-31 08382553 frs-core:WithinOneYear 2025-01-31 08382553 frs-core:ShareCapital 2025-01-31 08382553 frs-core:RetainedEarningsAccumulatedLosses 2025-01-31
Registered number: 08382553
SJM RISK CONSULTING LIMITED
Unaudited Financial Statements
For The Year Ended 31 January 2026
SJM RISK CONSULTING LIMITED
Contents
Contents

| Page
--- | ---
Balance Sheet | 1—2
Notes to the Financial Statements | 3—5

Page 1
SJM RISK CONSULTING LIMITED
Balance Sheet
As At 31 January 2026
Balance Sheet
Registered number: 08382553

| 2026 | 2025
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Tangible Assets | 4 |  | 13,744 |  | 18,943
|  |  | 13,744 |  | 18,943
CURRENT ASSETS
Debtors | 5 | 21,120 |  | 21,377 |
Cash at bank and in hand |  | 56,944 |  | 24,689 |
|  | 78,064 |  | 46,066 |
Creditors: Amounts Falling Due Within One Year | 6 | (53,100 ) |  | (47,917 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | 24,964 |  | (1,851 )
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 38,708 |  | 17,092
Creditors: Amounts Falling Due After More Than One Year | 7 |  | (14,985 ) |  | (17,052 )
NET ASSETS |  |  | 23,723 |  | 40
CAPITAL AND RESERVES
Called up share capital | 9 |  | 2 |  | 2
Profit and Loss Account |  |  | 23,721 |  | 38
SHAREHOLDERS' FUNDS |  |  | 23,723 |  | 40

Page 1
Page 2
SJM RISK CONSULTING LIMITED
Balance Sheet (continued)
As At 31 January 2026
For the year ending 31 January 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
The member has not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The director acknowledges his 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 Michael Newell Director
16th April 2026

The notes on pages 3 to 5 form part of these financial statements.
Page 2
Page 3
SJM RISK CONSULTING LIMITED
Notes to the Financial Statements
For The Year Ended 31 January 2026
Notes to the Financial Statements
1. General Information
SJM RISK CONSULTING LIMITED is a private company, limited by shares, incorporated in England & Wales, registered number 08382553 . The registered office is 82 High Street, Golborne, Warrington, Cheshire, WA3 3DA.
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, net of discounts and value added taxes.
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:

Plant & Machinery | 25% Reducing Balance
Motor Vehicles | 25% Reducing Balance
Fixtures & Fittings | 15% reducing balance
Computer Equipment | 33% 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. Registrar Filing Requirements
The company has taken advantage of Companies Act 2006 section 444(1) and opted not to file the profit and loss account, directors report, and notes to the financial statements relating to the profit and loss account.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 2 (2025: 2)
2 2
4. Tangible Assets

| Plant & Machinery | Motor Vehicles | Fixtures & Fittings | Computer Equipment | Total
--- | --- | --- | --- | --- | ---
| £ | £ | £ | £ | £
Cost
As at 1 February 2025 | 749 | 31,945 | 166 | 4,062 | 36,922
Disposals | - | - | - | (427 ) | (427 )
As at 31 January 2026 | 749 | 31,945 | 166 | 3,635 | 36,495

...CONTINUED
Page 3
Page 4
SJM RISK CONSULTING LIMITED
Notes to the Financial Statements (continued)
For The Year Ended 31 January 2026

Depreciation
As at 1 February 2025 | 187 | 14,265 | 92 | 3,435 | 17,979
Provided during the period | 141 | 4,421 | 11 | 626 | 5,199
Disposals | - | - | - | (427 ) | (427 )
As at 31 January 2026 | 328 | 18,686 | 103 | 3,634 | 22,751
Net Book Value
As at 31 January 2026 | 421 | 13,259 | 63 | 1 | 13,744
As at 1 February 2025 | 562 | 17,680 | 74 | 627 | 18,943

5. Debtors

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Due within one year
Trade debtors | 21,120 |  | 19,334
Director's loan account | - |  | 2,043
| 21,120 |  | 21,377

6. Creditors: Amounts Falling Due Within One Year

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Net obligations under finance lease and hire purchase contracts | 5,201 |  | 7,875
Trade creditors | (1 ) |  | -
Corporation tax | 37,760 |  | 31,234
Other taxes and social security | 269 |  | 269
VAT | 9,559 |  | 8,539
Director's loan account | 312 |  | -
| 53,100 |  | 47,917

7. Creditors: Amounts Falling Due After More Than One Year

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Net obligations under finance lease and hire purchase contracts | 14,985 |  | 17,052

8. Obligations Under Finance Leases and Hire Purchase

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
The future minimum finance lease payments are as follows:
Not later than one year | 5,201 |  | 7,875
Later than one year and not later than five years | 14,985 |  | 17,052
| 20,186 |  | 24,927
| 20,186 |  | 24,927

Page 4
Page 5
SJM RISK CONSULTING LIMITED
Notes to the Financial Statements (continued)
For The Year Ended 31 January 2026
9. Share Capital

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 2 |  | 2

Page 5