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THE MORTGAGE WAY - VICKY BROWN LTD
Unaudited Financial Statements
for the year ended 31 January 2026
Company registration number 14585462
(England and Wales)

Company Information

For the year ended 31 January 2026
Director Brown, Vicky

Registered office The Four Columns
Broughton
Skipton
BD23 3AE

Registered number 14585462

Accountant H & M Ltd
The Four Columns
Broughton Hall Business Park
Skipton
BD23 3AE

Statement of Financial Position

As at 31 January 2026
Notes
2026
2025
£
£
£
£
Fixed assets
Tangible assets
4
3,316
1,215
3,316
1,215
Current assets
Debtors
5
5,605
6,267
Cash at bank and in hand
4,448
5,550
10,053
11,817
Creditors
Amounts falling due within one year
6
(12,375)
(8,839)
(12,375)
(8,839)
Net current assets (liabilities)
(2,322)
2,978
Total assets less current liabilities
994
4,193
Provisions for liabilities
(829)
(243)
Net assets (liabilities)
165
3,950
Capital and reserves
Called up share capital
10
10
Profit and loss account
155
3,940
Total equity
165
3,950

The company is a private company limited by shares and registered in England and Wales. It was entitled to exemption from audit 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 financial statements.
The financial statements have been prepared in accordance with the special provisions applicable to companies subject to the small companies regime.
The directors have chosen to not file a copy of the company's profit and loss account under section 444 (5A) of the Companies Act 2006.

The financial statements were approved and authorised for issue by the Board of Directors on 15 May 2026 and are signed on its behalf by:

Brown, Vicky
Brown, Vicky
Director

Company registration number 14585462

Notes to the Financial Statements

For the year ended 31 January 2026

1. Statutory information

The company is a private company limited by shares and registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

The financial statements are presented in sterling and this is the functional currency of the company.

2. Accounting policies

2.1. Basis of preparation

The financial statements have been prepared in accordance with FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland including Section 1A Small Entities.

The financial statements have been prepared under the historical cost convention in accordance with the Companies Act 2006.

2.2. Turnover

Turnover is measured at the fair value of the consideration received or receivable for the services rendered, net of discounts and Value Added Tax.


Revenue from the provision of services is recognised in the period in which the services are provided when all of the following conditions are satisfied; the amount of revenue can be measured reliably; it is probable that the economic benefits associated with the transaction will flow to the entity; the stage of completion of the transaction at the end of the reporting period can be measured reliably and the costs incurred and costs to complete the transaction can be measured reliably.

2.3. Tangible fixed assets and depreciation

Tangible fixed assets are measured at cost less accumulated depreciation and impairment. Depreciation is provided to write off the cost of the assets over their useful economic lives on a systematic basis. Investment properties are excluded from this category and are accounted for separately.

Rate
Method
%
Fixtures and fittings
10
Reducing balance

2.4. Impairment

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

2.5. Financial instruments

The following assets and liabilities are classified as financial instruments - trade debtors, trade creditors, bank loans and directors' loans.


Bank loans are initially measured at the present value of future payments, discounted at a market rate of interest, and subsequently at amortised cost using the effective interest method.


Directors' loans (being repayable on demand), trade debtors and trade creditors are measured at the undiscounted amount of the cash or other consideration expected to be paid or received.


Financial assets that are measured at amortised cost are assessed at the end of each reporting period for objective evidence of impairment. If objective evidence of impairment is found, an impairment loss is recognised in the Statement of Income and Retained Earnings.


2.6. Provisions

Provisions are set up only where it is probable that a present obligation exists as a result of an event prior to the balance sheet date and that a payment will be required in a settlement that can be estimated reliably. Where material, provisions are calculated on a discounted basis.

2.7. Taxation

Deferred taxation is provided on the liability method to take account of timing differences between the treatment of certain items for accounts purposes and their treatment for tax purposes.


Tax deferred or accelerated is accounted for in respect of all material timing differences, in particular accelerated capital allowances and revaluation gains on investment properties. All deferred tax is charged/(credited) to the Statement of Income and Retained Earnings.


3. Employees

The average number of employees during the year was 1 (2025: 1).

4. Tangible fixed assets

Fixtures and fittings
Total
£
£
Cost
At 1 February 2025
1,500
1,500
Additions
2,280
2,280
At 31 January 2026
3,780
3,780
Depreciation and impairment
At 1 February 2025
285
285
Charge for the period
179
179
At 31 January 2026
464
464
Net book value
At 31 January 2026
3,316
3,316
At 31 January 2025
1,215
1,215

5. Debtors

2026
2025
£
£
Other debtors
5,521
6,267
Prepayments and accrued income
84
-
Total due within one year
5,605
6,267
Total due after one year
-
-
Total
5,605
6,267

6. Creditors due within one year

2026
2025
£
£
Other creditors
900
500
Taxation and social security
11,475
8,339
Total
12,375
8,839