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REGISTERED NUMBER: 09945836 (England and Wales)

Unaudited Financial Statements for the Year Ended 31 March 2026

for

Orchard Mortgages Ltd

Orchard Mortgages Ltd (Registered number: 09945836)

Contents of the Financial Statements

for the Year Ended 31 March 2026

Page |

Company Information | 1 |

Balance Sheet | 2 |

Notes to the Financial Statements | 3 |

Orchard Mortgages Ltd

Company Information

for the Year Ended 31 March 2026

| DIRECTOR: | Mrs D C Brown

| REGISTERED OFFICE: | 41 Inner Loop Road

| Beachley

| Chepstow

| NP16 7HF

| REGISTERED NUMBER: | 09945836 (England and Wales)

| ACCOUNTANTS: | Francis & Co

| Second Floor

| 123 Promenade

| Cheltenham

| Gloucestershire

| GL50 1NW

Orchard Mortgages Ltd (Registered number: 09945836)

Balance Sheet

31 March 2026

| 31.3.26 |  | 31.3.25

| Notes | £ | £ |

CURRENT ASSETS

Debtors | 5 | 1,658 |  | 23,188 |  |

Cash at bank | 19,318 |  | 3 |  |

20,976 |  | 23,191 |  |

CREDITORS

Amounts falling due within one year | 6 | 10,307 |  | 13,237 |  |

NET CURRENT ASSETS | 10,669 |  | 9,954 |  |

TOTAL ASSETS LESS CURRENT LIABILITIES | 10,669 |  | 9,954 |  |

CREDITORS

Amounts falling due after more than one year | 7 | 4,778 |  | 6,161 |  |

NET ASSETS | 5,891 |  | 3,793 |  |

CAPITAL AND RESERVES

Called up share capital | 100 |  | 100 |  |

Retained earnings | 5,791 |  | 3,693 |  |

SHAREHOLDERS' FUNDS | 5,891 |  | 3,793 |  |

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 March 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 March 2026 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges her 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 8 May 2026 and were signed by:

Mrs D C Brown - Director

Orchard Mortgages Ltd (Registered number: 09945836)

Notes to the Financial Statements

for the Year Ended 31 March 2026

1. | STATUTORY INFORMATION

| Orchard 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.

| 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.

| Plant and machinery etc | - | 33% on cost

| 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 year was 1 (2025 - 1 ) .

4. | TANGIBLE FIXED ASSETS

| Plant and

| machinery

| etc

£ |

| COST

| At 1 April 2025

| and 31 March 2026 | 420 |  |

| DEPRECIATION

| At 1 April 2025

| and 31 March 2026 | 420 |  |

| NET BOOK VALUE

| At 31 March 2026 | - |  |

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

| 31.3.26 |  | 31.3.25

£ | £ |

| Trade debtors | 1,658 |  | 2,291 |  |

| Other debtors | - |  | 20,897 |  |

1,658 |  | 23,188 |  |

Orchard Mortgages Ltd (Registered number: 09945836)

Notes to the Financial Statements - continued

for the Year Ended 31 March 2026

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

| 31.3.26 |  | 31.3.25

£ | £ |

| Bank loans and overdrafts | 1,479 |  | 6,446 |  |

| Taxation and social security | 7,294 |  | 5,837 |  |

| Other creditors | 1,534 |  | 954 |  |

10,307 |  | 13,237 |  |

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

| 31.3.26 |  | 31.3.25

£ | £ |

| Bank loans | 4,778 |  | 6,161 |  |

8. | ULTIMATE CONTROLLING PARTY

| The controlling party is Mrs D C Brown.