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# MMBS SERVICES LIMITED

## Company Registration Number:
05794252 (England and Wales)

## Unaudited statutory accounts for the year ended 31 December 2025

## Period of accounts

## Start date: 1 January 2025

## End date: 31 December 2025

# MMBS SERVICES LIMITED

## Contents of the Financial Statements

for the Period Ended 31 December 2025

Directors report |
Profit and loss |
Balance sheet |
Additional notes |
Balance sheet notes |

# MMBS SERVICES LIMITED

Directors' report period ended 31 December 2025

The directors present their report with the financial statements of the company for the period ended 31 December 2025

Principal activities of the company

The principal activity of the Company is that of mortgage broking.

Political and charitable donations

The Company has not made any political or charitable donations during the current or prior year.

Directors

The directors shown below have held office during the whole of the period from
1 January 2025 to 31 December 2025

Simon James Taylor
Andrew John Lumby

Secretary Robert Mark Ewin

The above report has been prepared in accordance with the special provisions in part 15 of the Companies Act 2006

This report was approved by the board of directors on
1 May 2026

And signed on behalf of the board by:
Name: Andrew John Lumby
Status: Director

# MMBS SERVICES LIMITED

## Profit And Loss Account

for the Period Ended 31 December 2025

| 2025 | 2024
--- | --- | ---
| £ | £
Turnover: | 61,434 | 63,319
Cost of sales: | ( 5,864 ) | ( 1,904 )
Gross profit(or loss): | 55,570 | 61,415
Administrative expenses: | ( 75,742 ) | ( 84,299 )
Operating profit(or loss): | (20,172) | (22,884)
Interest receivable and similar income: |  | 61,586
Interest payable and similar charges: | ( 324 ) | ( 2,278 )
Profit(or loss) before tax: | (20,496) | 36,424
Profit(or loss) for the financial year: | (20,496) | 36,424

# MMBS SERVICES LIMITED

## Balance sheet

As at 31 December 2025

| Notes | 2025 | 2024
--- | --- | --- | ---
|  | £ | £
Current assets
Debtors: | 3 | 22,407 | 15,692
Cash at bank and in hand: |  | 32,285 | 23,043
Total current assets: |  | 54,692 | 38,735
Creditors: amounts falling due within one year: | 4 | ( 7,072 ) | ( 655 )
Net current assets (liabilities): |  | 47,620 | 38,080
Total assets less current liabilities: |  | 47,620 | 38,080
Creditors: amounts falling due after more than one year: | 5 | ( 30,036 ) | 0
Total net assets (liabilities): |  | 17,584 | 38,080
Capital and reserves
Called up share capital: |  | 80,000 | 80,000
Other reserves: |  | 3,354,000 | 3,354,000
Profit and loss account: |  | (3,416,416 ) | (3,395,920 )
Total Shareholders' funds: |  | 17,584 | 38,080

The notes form part of these financial statements

# MMBS SERVICES LIMITED

## Balance sheet statements

For the year ending 31 December 2025 the company was entitled to exemption under section 477 of the Companies Act 2006 relating to small companies.

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their 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.

This report was approved by the board of directors on 1 May 2026
and signed on behalf of the board by:

Name: Andrew John Lumby
Status: Director

The notes form part of these financial statements

# MMBS SERVICES LIMITED

## Notes to the Financial Statements

for the Period Ended 31 December 2025

- ## 1. Accounting policies

  Basis of measurement and preparation

  These financial statements have been prepared in accordance with the provisions of Financial Reporting Standard 101

  Turnover policy

  Fees, commissions and costs are recognised as follows: - Fees receivable and payable are recognised when the performance obligations of the contract have been fulfilled and the Company has completed the services it performs. Commission is recognised on the inception date of the product for service. - Administration and servicing fees paid to the Society by the Company relating to services provided on an ongoing basis are recognised as an expense in the period to which the service relates.

  Tangible fixed assets depreciation policy

  Additions and improvements to office premises and equipment, including costs directly attributable to the acquisition of the asset, are capitalised at cost. The costs, less estimated residual values of assets, are depreciated on a straight-line basis over their estimated useful economic lives as follows: Office equipment - 3 to 8 years straight line basis. Assets are reviewed for impairment at each statement of financial position date or whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. An asset’s carrying amount is written down immediately to its recoverable amount if the asset’s carrying amount is greater than its estimated recoverable amount. The recoverable amount is the higher of the asset’s fair value less costs to sell, and its value in use.

  Other accounting policies

  Interest payable Interest payable relates to the interest payable on amounts owed to group undertakings which is charged at a management agreed interest rate. Taxation Income tax on the profit or loss for the year comprises current tax and deferred tax. Income tax is recognised in the profit and loss account except to the extent that it relates to items recognised directly in other comprehensive income, in which case it is recognised in other comprehensive income within the Statement of Comprehensive Income. Current tax is the expected tax payable on the taxable income for the year, using the tax rate which applies to the accounting period, and any adjustment to tax payable in respect of previous years. Deferred tax is provided on temporary differences between the carrying amounts of assets and liabilities for accounting purposes and the amounts used for taxation purposes. Deferred tax assets are only recognised where it is probable that future taxable profit will be available against which the temporary differences can be utilised. Deferred tax is determined using tax rates that have been substantively enacted by the year-end date and are expected to apply when the related deferred tax asset is realised or the deferred tax liability is settled.

# MMBS SERVICES LIMITED

## Notes to the Financial Statements

for the Period Ended 31 December 2025

- ## 2. Employees

  | 2025 | 2024
  --- | --- | ---
  Average number of employees during the period | 2 | 2

# MMBS SERVICES LIMITED

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 3. Debtors

| 2025 | 2024
--- | --- | ---
| £ | £
Other debtors | 22,407 | 15,692
Total | 22,407 | 15,692

# MMBS SERVICES LIMITED

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 4. Creditors: amounts falling due within one year note

| 2025 | 2024
--- | --- | ---
| £ | £
Accruals and deferred income | 6,690 | 211
Other creditors | 382 | 444
Total | 7,072 | 655

# MMBS SERVICES LIMITED

## Notes to the Financial Statements

for the Period Ended 31 December 2025

## 5. Creditors: amounts falling due after more than one year note

| 2025 | 2024
--- | --- | ---
| £ | £
Other creditors | 30,036 | 0
Total | 30,036 | 0