REGISTERED NUMBER: 13603169 (England and Wales)

RM MORTGAGE STORE LIMITED

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30 SEPTEMBER 2025

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

3

DIRECTOR:

Ms R A McGuinness

REGISTERED OFFICE:

32 Pinetrees

Rugeley

Staffordshire

WS15 1EQ

REGISTERED NUMBER:

13603169 (England and Wales)

ACCOUNTANTS:

Wallace Crooke Walsall Limited

Chartered Accountants

Wallace House

20 Birmingham Road

Walsall

West Midlands

WS1 2LT

FIXED ASSETS

Tangible assets

4

18,480

22,591

CURRENT ASSETS

Debtors

5

5,666

-

Cash at bank

44,174

21,538

49,840

21,538

CREDITORS

Amounts falling due within one year

6

20,133

13,512

NET CURRENT ASSETS

29,707

8,026

TOTAL ASSETS LESS CURRENT LIABILITIES

48,187

30,617

PROVISIONS FOR LIABILITIES

7

3,511

4,292

NET ASSETS

44,676

26,325

CAPITAL AND RESERVES

Called up share capital

8

100

100

Retained earnings

44,576

26,225

SHAREHOLDERS' FUNDS

44,676

26,325

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30 September 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 30 September 2025 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 24 March 2026 and were signed by:

Ms R A McGuinness - Director

1.	STATUTORY INFORMATION

RM Mortgage Store Limited 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.

The company's financial statements are individual entity financial statements.

The company's financial statements are presented in Sterling and all values are rounded to the nearest

pound.

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.

Fixtures and fittings

-

15% on reducing balance

Motor vehicles

-

25% on reducing balance

Computer equipment

-

25% on reducing balance

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the balance sheet date.

Deferred tax

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet date.

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

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 3 (2024 - 1 ) .

4.	TANGIBLE FIXED ASSETS

Fixtures

and

Motor

Computer

fittings

vehicles

equipment

Totals

£

£

£

£

COST

At 1 October 2024

4,117

40,990

3,362

48,469

Additions

498

-

1,050

1,548

At 30 September 2025

4,615

40,990

4,412

50,017

DEPRECIATION

At 1 October 2024

844

23,698

1,336

25,878

Charge for year

566

4,323

770

5,659

At 30 September 2025

1,410

28,021

2,106

31,537

NET BOOK VALUE

At 30 September 2025

3,205

12,969

2,306

18,480

At 30 September 2024

3,273

17,292

2,026

22,591

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Other debtors

5,666

-

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Taxation and social security

18,088

12,076

Other creditors

2,045

1,436

20,133

13,512

7.	PROVISIONS FOR LIABILITIES

2025

2024

£

£

Deferred tax

3,511

4,292

Deferred

tax

£

Balance at 1 October 2024

4,292

Credit to Income Statement during year

(781

)

Balance at 30 September 2025

3,511

8.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

2025

2024

value:

£

£

100

Ordinary

£1

100

100