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Company Registration No. 05179519 (England and Wales)
"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Unaudited accounts for the year ended 31 March 2026
"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Unaudited accounts Contents
Page
Company information
3
Accountants' report
4
Statement of financial position
5
Notes to the accounts
6
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"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Company Information for the year ended 31 March 2026
Directors
G Richardson T Richardson
Company Number
05179519 (England and Wales)
Registered Office
WEST WALK 1a LAMBTON PARK CHESTER LE STREET DURHAM DH3 4AN ENGLAND
Accountants
PAUL PURDHAM 26 MILLERS HILL HOUGHTON LE SPRING TYNE AND WEAR DH4 7AJ
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"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Accountants' report
Accountants' report to the board of directors of "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED on the preparation of the unaudited statutory accounts for the year ended 31 March 2026
In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the accounts of "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED for the year ended 31 March 2026 as set out on pages 5 - 7 from the company's accounting records and from information and explanations you have given us.
This report is made solely to the Board of Directors of "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED, as a body, in accordance with the terms of our engagement. Our work has been undertaken solely to prepare for your approval the accounts of "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED and state those matters that we have agreed to state to them, as a body, in this report. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED and its Board of Directors as a body for our work or for this report.
It is your duty to ensure that "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED has kept adequate accounting records and to prepare statutory accounts that give a true and fair view of the assets, liabilities, financial position and profit of "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED. You consider that "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED is exempt from the statutory audit requirement for the year.
We have not been instructed to carry out an audit or a review of the accounts of "RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory accounts.
PAUL PURDHAM 26 MILLERS HILL HOUGHTON LE SPRING TYNE AND WEAR DH4 7AJ 12 May 2026
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"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Statement of financial position as at 31 March 2026
2026
2025
Notes
£
£
Current assets
Debtors
5
12,974
2,500
Cash at bank and in hand
69,528
73,986
82,502
76,486
Creditors: amounts falling due within one year
6
(32,070)
(31,351)
Net current assets
50,432
45,135
Net assets
50,432
45,135
Capital and reserves
Called up share capital
2
2
Profit and loss account
50,430
45,133
Shareholders' funds
50,432
45,135
For the year ending 31 March 2026 the company 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 accounts.
These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies' regime and in accordance with the provisions of FRS 102 Section 1A - Small Entities. The profit and loss account has not been delivered to the Registrar of Companies.
The financial statements were approved by the Board of Directors and authorised for issue on 12 May 2026 and were signed on its behalf by
T Richardson Director Company Registration No. 05179519
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"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Notes to the Accounts for the year ended 31 March 2026
1
Statutory information
"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED is a private company, limited by shares, registered in England and Wales, registration number 05179519. The registered office is WEST WALK 1a, LAMBTON PARK, CHESTER LE STREET, DURHAM, DH3 4AN, ENGLAND.
2
Compliance with accounting standards
The accounts have been prepared in accordance with the provisions of FRS 102 Section 1A Small Entities. There were no material departures from that standard.
3
Accounting policies
The principal accounting policies adopted in the preparation of the financial statements are set out below and have remained unchanged from the previous year, and also have been consistently applied within the same accounts.
Basis of preparation
The accounts have been prepared under the historical cost convention as modified by the revaluation of certain fixed assets.
Presentation currency
The accounts are presented in £ sterling.
Tangible fixed assets and depreciation
Tangible assets are included at cost less depreciation and impairment. Depreciation has been provided at the following rates in order to write off the assets over their estimated useful lives:
Fixtures & fittings
20% straight line
4
Tangible fixed assets
Fixtures & fittings
£
Cost or valuation
At cost
At 1 April 2025
9,589
At 31 March 2026
9,589
Depreciation
At 1 April 2025
9,589
At 31 March 2026
9,589
Net book value
At 31 March 2026
-
5
Debtors
2026
2025
£
£
Amounts falling due within one year
Trade debtors
12,974
2,500
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"RICHARDSON & ASSOCIATES" INDEPENDENT FINANCIAL AND MORTGAGE SERVICES LIMITED Notes to the Accounts for the year ended 31 March 2026
6
Creditors: amounts falling due within one year
2026
2025
£
£
Taxes and social security
13,516
11,838
Loans from directors
9,849
16,986
Accruals
8,705
2,527
32,070
31,351
7
Average number of employees
During the year the average number of employees was 2 (2025: 2).
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