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Registered number: 10908749









Sailhouse Cars Limited









Annual Report and Financial Statements

for the year ended 31 December 2025

 
Sailhouse Cars Limited
 
 
Company Information


Director
C J Carr 




Registered number
10908749



Registered office
The Pinnacle
170 Midsummer Boulevard

Milton Keynes

Buckinghamshire

MK9 1FE




Independent auditors
Hurst Accountants Limited
Chartered Accountants & Statutory Auditors

3 Stockport Exchange

Stockport

SK1 3GG




Bankers
HSBC
Princess House

33 High Street

Shrewsbury

SY1 1SL




Solicitors
Dentons UK and Middle East LLP
The Pinnacle

70 Midsummer Boulevard

Milton Keynes

MK9 1FE





 
Sailhouse Cars Limited
 

Contents



Page
Strategic report
 
1 - 3
Director's report
 
4 - 5
Independent auditors' report
 
6 - 9
Statement of income and retained earnings
 
10
Balance sheet
 
11
Statement of cash flows
 
12
Analysis of net debt
 
13
Notes to the financial statements
 
14 - 27

 
Sailhouse Cars Limited
 
 
Strategic Report
for the year ended 31 December 2025

Business review
 
During the year the company’s activities continued to be the operation of Volvo Cars Shrewsbury as a franchised retailer of Volvo Car UK.

The director reports that in the year ended 31st December 2025 this business generated a profit before taxation of £304,601 2020: £402,201).

Key performance indicators for the year are set out below:


2025
2024
Year-on-year movement (%)




Turnover (£)
17,649,326
16,941,334
4.2%
Gross profit (£)
1,574,283
1,622,513
-3.0%
Gross profit percentage (%)
8.9%
9.6%

Profit before taxation (£)
304,601
402,201
-24.3%
Return on sales (%)
1.7%
2.4%

EBITDA
729,048
832,796
-12.5%




New vehicle units sold
375
359
4.5%
Used vehicle retail units sold
378
385
-1.8%
Labour sales (£)
1,249,690
1,133,412
10.3%


Volvo Cars Shrewsbury continues to be fully engaged under Volvo Car UK’s agency “Direct to Customer” distribution model for new cars maximising the opportunity to fully realise the benefits for existing and potential Volvo customers in the Shropshire area with new car volumes increasing by 4.5%, per table above, year-on-year.

Customer demand for used cars continued to remain strong in 2025 although volumes were marginally down year-on-year and there was pressure on used car margins.

Our aftersales operations continued to grow in mechanical service and parts activity with service labour sales for the year continuing to achieve year-on-year growth in excess of 10%.

Whilst the business continues to focus on controlling costs these were impacted by increases in National Living Wage and Employer’s National Insurance and the reduction in Retail Relief for Business Rates that took effect from April 2025.

Looking to the future, after a strong first quarter in 2026, the director is mindful that from April 2026 operating costs will once again be impacted by a 4% increase in National Living Wage and a 30% increase in Business Rates.  The business continues to operate in a difficult economic climate with national and global political uncertainties potentially impacting consumer and business confidence and business costs particularly in respect of energy.  In addition, whilst there have been reductions in interest rates in the last 12 months there is uncertainty as to the direction of interest rates over the next year. 

We continue to focus investment in our people and premises, together with maintaining and enhancing our strong local profile and loyal customer base.  Consequently, despite the uncertain economic climate, Volvo Cars Shrewsbury has positioned itself to maximise the opportunities available to it during 2026.
Page 1

 
Sailhouse Cars Limited
 

Strategic Report (continued)
for the year ended 31 December 2025

Principal risks and uncertainties
 
The management of the business and the company’s strategy is subject to a number of risks. The factors described below highlight risks and uncertainties which affect the company, but they are not intended to be an exhaustive analysis of all the potential risks which may arise in the ordinary course of business.
 
The director is of the opinion that sufficient internal controls have been implemented to monitor these factors and to enable timely management action to be taken to mitigate the risks.  

Financial and business risks

The key financial risks faced by the company remain that of interest rate risk and ongoing adequacy of funding. 

Interest rate risk

With regards to interest rate risk the director is of the opinion that whilst there is some uncertainty around future movements in Bank of England Base Rate the rates which have been factored into our budgets for 2026 err on the side of caution.  In the light of this, the use of financial instruments to mitigate potential financial exposure would not be appropriate at this time.  

Adequacy of funding

The director is confident that the current banking and finance facilities are adequate for the company’s anticipated working capital requirements. The Group manages its cash flow on a long term, medium term and daily basis to ensure that there is sufficient liquidity to meet foreseeable day-to-day trading and the long-term requirements of the business, including expected capital investment. Short-term flexibility can be managed by the availability of overdraft facilities. 

Credit risk

The company has low credit risk in relation to its trade debts. Vehicles are not released to retail customers until cleared funds have been received or confirmation that a customer's application for finance has been accepted and paid out by the finance house. 

Where customers are granted credit terms in respect of vehicle repairs and parts supplied, credit checks are carried out and credit limits set which are reviewed on a regular basis in conjunction with debt ageing and collection experience.

The director is satisfied that credit risk is adequately managed and the level of bad debts is consistent with the nature of the industry.  

Regulatory and compliance risk

The company is subject to a regulatory compliance risk which can arise from failing to comply with applicable laws, regulations and codes set out by, amongst others, the Financial Conduct Authority ("FCA"), Trading Standards, the Driver & Vehicle Standards Agency (''DVSA''), Information Commissioner's Office ("ICO"), local authorities and the manufacturers it represents. Non-compliance can lead to financial penalties, enforced suspension from sales of finance and insurance products or, in the extreme, closure of parts of the business.
 
The company is fully aware of these risks and its policies are designed to ensure that all members of staff are aware of the risks, which are mitigated by appropriate training and the correct application of policies. With regards to FCA requirements, the company is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority. The company also engages an internal Compliance Officer to monitor compliance. 





Page 2

 
Sailhouse Cars Limited
 

Strategic Report (continued)
for the year ended 31 December 2025

Competition risk

The company competes for the sale of new and used vehicles, the performance of repairs, routine maintenance business and the supply of spare parts with other franchised and independent motor retailers, suppliers of parts and internet-based suppliers.
 

The principal competitive factors are customer service, product price and brand reputation. Continued investment in people, brands, facilities and systems enables the company to maintain its competitive advantage by implementing industry-leading initiatives. 

Manufacturer risk
 
The company depends upon the ability of its manufacturer partner to respond to changes in consumer tastes, technological developments and methods of delivery of products and services. The timing, frequency and efficiency of managing the new product life-cycle can materially affect the company’s business.

The company works closely with its manufacturing partner to maintain a mutually beneficial long-term relationship.

Employee risk

The company is dependent on all team members, both management and other skilled individuals. The company’s future financial performance depends on its ability to recruit and retain skilled members who embody the company’s culture and values.

Information systems risk

The company is dependent on its information technology and computer systems and those of its manufacturer partners, as any disruption to their operation could have a detrimental effect on the business. A robust business continuity planning process is followed with alternative conduits for data and communications in the event of business disruption.


This report was approved by the board and signed on its behalf.



C J Carr
Director

Date: 19 May 2026
Page 3

 
Sailhouse Cars Limited
 
 
 
Director's Report
for the year ended 31 December 2025

The director presents his report and the financial statements for the year ended 31 December 2025.

Director's responsibilities statement

The director is responsible for preparing the Strategic report, the Director's report and the financial statements in accordance with applicable law and regulations.
 
Company law requires the director to prepare financial statements for each financial year. Under that law the director has elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the director must not approve the financial statements unless he is satisfied that they give a true and fair view of the state of affairs of the Company and of the profit or loss of the Company for that period.

 In preparing these financial statements, the director is required to:


select suitable accounting policies for the Company's financial statements and then apply them consistently;

make judgements and accounting estimates that are reasonable and prudent;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Company will continue in business.

The director is responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and to enable him to ensure that the financial statements comply with the Companies Act 2006He is also responsible for safeguarding the assets of the Company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Principal activity

The principal activity of the company during the year was that of a motor retailer operating the Volvo Cars UK franchise in Shrewsbury.

Results and dividends

The profit for the year, after taxation, amounted to £216,224 (2024 - £291,801).

Dividends of £50,000 (2024: £50,000) were declared during the year. 

Director

The director who served during the year was:

C J Carr 

Future developments

The likely future developments in the Company's business are referred to in the Company Strategic Report.

Financial instruments

The Company's risks in relation to financial instruments are referred to in the Group Strategic Report.

Page 4

 
Sailhouse Cars Limited
 
 
 
Director's Report (continued)
for the year ended 31 December 2025

Disclosure of information to auditors

The director at the time when this Director's report is approved has confirmed that:
 
so far as he is aware, there is no relevant audit information of which the Company's auditors are unaware, and

he has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the Company's auditors are aware of that information.

Post balance sheet events

There have been no significant events affecting the Company since the year end.

Auditors

The auditorsHurst Accountants Limitedwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board and signed on its behalf.
 


C J Carr
Director

Date: 19 May 2026
Page 5

 
Sailhouse Cars Limited
 
 
 
Independent Auditors' Report to the Members of Sailhouse Cars Limited
 

Opinion


We have audited the financial statements of Sailhouse Cars Limited (the 'Company') for the year ended 31 December 2025, which comprise the Statement of income and retained earnings, the Balance sheet, the Statement of cash flows and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the Company's affairs as at 31 December 2025 and of its profit for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.


Basis for opinion


We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the Company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the director's use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the director with respect to going concern are described in the relevant sections of this report.


Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' report thereon. The director is responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.


We have nothing to report in this regard.


Page 6

 
Sailhouse Cars Limited
 
 
 
Independent Auditors' Report to the Members of Sailhouse Cars Limited (continued)


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:


the information given in the Strategic report and the Director's report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Strategic report and the Director's report have been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception
 

In the light of the knowledge and understanding of the Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Strategic report or the Director's report.


We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:


adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of director's remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Responsibilities of directors
 

As explained more fully in the Director's responsibilities statement set out on page 4, the director is responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the director determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.


In preparing the financial statements, the director is responsible for assessing the Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the director either intends to liquidate the Company or to cease operations, or have no realistic alternative but to do so.


Page 7

 
Sailhouse Cars Limited
 
 
 
Independent Auditors' Report to the Members of Sailhouse Cars Limited (continued)


Auditors' responsibilities for the audit of the financial statements
 

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an Auditors' report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.


Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

Identifying and assessing potential risks related to irregularities

In identifying and assessing the risks of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, we considered the following:
 
°The nature of the industry and sector, control environment and business performance including key drivers for directors' remuneration and bonus levels; 
°Enquiring of local management, including obtaining and reviewing supporting documentation, concerning the Company's policies and procedures relating to:  
Identifying, evaluating and complying with laws and regulations and whether they were aware of any instances of non-compliance;   
Detecting and responding to the risks of fraud and whether they have knowledge of any actual, suspected of alleged fraud;  
°The internal controls established to mitigate risks relate to fraud or non-compliance with laws and regulations.
°Discussions amongst the engagement team regarding how and where fraud might occur in the financial statements and any potential indicators of fraud; 
°Obtaining and understanding of the legal and regulatory frameworks that the Company operates in, focusing on those laws and regulations that had a direct effect on the financial statements, such as the Companies Act 2006, pensions and tax legislation, or that had a fundamental effect on the operations of the Company, including General Data Protection requirements, Anti bribery and corruption policy. 
°Revenue recognition gives rise to a risk of material misstatement due to fraud. Revenue may be recognised in the wrong period.

Audit response to risks identified

Our procedures to respond to the risk identified included the following:
 
°Reviewing the financial statement disclosures and testing to supporting documentation to assess compliance with provisions of relevant laws and regulations described as having a direct effect on the financial statements; 
°Discussions with management, including consideration of known or suspected instances of non-compliance with laws and regulations and fraud; 
°Evaluation of the operating effectiveness of management's controls designed to prevent and detect irregularities; 
°Enquiring of management concerning actual and potential litigation and claims; 
°Performing analytical procedures to identify any unusual or unexpected relationships that may indicate risks of material misstatement due to fraud; 
°Testing a sample of customer orders throughout the year and at the year end, ensuring the revenue has been recognised in line with the United Kingdom's Generally Accepted Accounting Practice.
 

Page 8

 
Sailhouse Cars Limited
 
 
 
Independent Auditors' Report to the Members of Sailhouse Cars Limited (continued)


We have also considered the risks noted above in addressing the risk of fraud through management override of controls:

°Testing the appropriateness of journal entries and other adjustments. We have used data analytics software to identify accounting transactions which may pose a heightened risk of material misstatement, whether due to fraud or error; 
°Challenging assumptions made by management in their significant accounting estimates, and assessing whether the judgements made in asking accounting estimates are indicative of a potential bias; and 
°Evaluation the business rationale of any significant transactions that are unusual or outside the normal course of business.
 
We also communicated relevant identified laws and regulations and potential fraud risks to all engagement team members and remained alert to any indications of fraud or non-compliance with laws and regulations throughout the audit.

There are inherent limitations in the audit procedures described above, and the further removed non-compliance with laws and regulations is from the events and transactions reflected in the financial statements, the less likely we would become aware of it. Also, the risk of not detecting a material misstatement due to fraud is higher than the risk of not detecting one resulting from error, as fraud may involve deliberate concealment by, for example, forgery or intentional misrepresentations, or through collusion.
 


A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditors' report.


Use of our report
 

This report is made solely to the Company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an Auditors' report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members, as a body, for our audit work, for this report, or for the opinions we have formed.




John Glover (senior statutory auditor)
for and on behalf of
Hurst Accountants Limited
Chartered Accountants & Statutory Auditors
3 Stockport Exchange
Stockport
SK1 3GG

19 May 2026
Page 9

 
Sailhouse Cars Limited
 
 
Statement of Income and Retained Earnings
for the year ended 31 December 2025

2025
2024
Note
£
£

  

Turnover
 4 
17,649,326
16,941,334

Cost of sales
  
(16,075,043)
(15,318,821)

Gross profit
  
1,574,283
1,622,513

Administrative expenses
  
(1,130,713)
(1,081,170)

Other operating income
  
79,134
78,001

Operating profit
 5 
522,704
619,344

Interest payable and similar expenses
 9 
(218,103)
(217,143)

Profit before tax
  
304,601
402,201

Tax on profit
 10 
(88,377)
(110,400)

Profit after tax
  
216,224
291,801

  

  

Retained earnings at the beginning of the year
  
1,020,682
778,881

Profit for the year
  
216,224
291,801

Dividends declared
  
(50,000)
(50,000)

Retained earnings at the end of the year
  
1,186,906
1,020,682
The notes on pages 14 to 27 form part of these financial statements.
Page 10

 
Sailhouse Cars Limited
Registered number: 10908749

Balance Sheet
as at 31 December 2025

2025
2024
Note
£
£

Fixed assets
  

Intangible assets
 12 
18,465
27,154

Tangible assets
 13 
1,452,611
1,592,699

  
1,471,076
1,619,853

Current assets
  

Stocks
 14 
3,037,968
2,459,563

Debtors: amounts falling due within one year
 15 
606,615
551,954

Cash at bank and in hand
 16 
752,773
567,675

  
4,397,356
3,579,192

Creditors: amounts falling due within one year
 17 
(4,201,283)
(3,368,952)

Net current assets
  
 
 
196,073
 
 
210,240

Total assets less current liabilities
  
1,667,149
1,830,093

Creditors: amounts falling due after more than one year
 18 
(254,503)
(559,738)

Provisions for liabilities
  

Deferred tax
 20 
(125,640)
(149,573)

Net assets
  
1,287,006
1,120,782


Capital and reserves
  

Called up share capital 
 21 
100,100
100,100

Profit and loss account
 22 
1,186,906
1,020,682

  
1,287,006
1,120,782


The financial statements were approved and authorised for issue by the board and were signed on its behalf by: 





C J Carr
Director

Date: 19 May 2026

Page 11

 
Sailhouse Cars Limited
 

Statement of Cash Flows
for the year ended 31 December 2025

2025
2024
£
£

Cash flows from operating activities

Profit for the financial year
216,224
291,801

Adjustments for:

Amortisation of intangible assets
8,689
8,689

Depreciation of tangible assets
197,655
204,763

Profit on disposal of tangible assets
(1,467)
-

Interest paid
218,103
217,143

Taxation charge
88,377
110,400

(Increase) in stocks
(578,405)
(348,366)

(Increase) in debtors
(54,661)
(130,045)

Increase in creditors
669,935
238,095

Corporation tax (paid)
(24,838)
-

Net cash generated from operating activities

739,612
592,480


Cash flows from investing activities

Purchase of tangible fixed assets
(89,719)
(32,927)

Sale of tangible fixed assets
33,619
-

Net cash used in investing activities

(56,100)
(32,927)

Cash flows from financing activities

Repayment of loans
(230,311)
(230,054)

Dividends paid
(50,000)
-

Interest paid
(218,103)
(217,143)

Net cash used in financing activities
(498,414)
(447,197)

Net decrease in cash and cash equivalents
185,098
112,356

Cash and cash equivalents at beginning of year
567,675
455,319

Cash and cash equivalents at the end of year
752,773
567,675


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
752,773
567,675


The notes on pages 14 to 27 form part of these financial statements.

Page 12

 
Sailhouse Cars Limited
 

Analysis of Net Debt
for the year ended 31 December 2025





At 1 January 2025
Cash flows
Other non-cash changes
At 31 December 2025
£

£

£

£

Cash at bank and in hand

567,675

185,098

-

752,773

Debt due after 1 year

(426,238)

-

227,904

(198,334)

Debt due within 1 year

(230,311)

230,311

(227,904)

(227,904)


(88,874)
415,409
-
326,535

The notes on pages 14 to 27 form part of these financial statements.
Page 13

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

1.


General information

Sailhouse Cars Limited is a private company limited by shares, registered in England and Wales, and the company's registration number is 10908749. The address of the registered office is The Pinnacle, 170 Midsummer Boulevard, Milton Keynes, Buckinghamshire, MK9 1FE.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

The Company's functional and presentational currency is GBP.

The following principal accounting policies have been applied:

 
2.2

Revenue

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Company and the revenue can be reliably measured. Revenue is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. The following criteria must also be met before revenue is recognised:

Sale of goods

Sales of vehicles are recognised when the customer has control of the goods. In practice this means that revenue is recognised when vehicles are invoiced, physically despatched and full payment has been received.

Rendering of services

Sales of parts and aftersales services are recognised when the customer has control of the goods and in the period in which the services are provided. In practice, this means that revenue is recognised when the parts are invoiced, or when the service has been undertaken.

 
2.3

Operating leases: the Company as lessee

Rentals paid under operating leases are charged to profit or loss on a straight-line basis over the lease term.

 
2.4

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

Page 14

 
Sailhouse Cars Limited
 
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

2.Accounting policies (continued)

 
2.5

Pensions

Defined contribution pension plan

The Company operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Company pays fixed contributions into a separate entity. Once the contributions have been paid the Company has no further payment obligations.

The contributions are recognised as an expense in profit or loss when they fall due. Amounts not paid are shown in accruals as a liability in the Balance sheet. The assets of the plan are held separately from the Company in independently administered funds.

 
2.6

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the balance sheet date in the countries where the Company operates and generates income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the balance sheet date, except that:
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits; and
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the balance sheet date.


Page 15

 
Sailhouse Cars Limited
 
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

2.Accounting policies (continued)

  
2.7

Intangible assets

Goodwill 

Goodwill represents the difference between amounts paid on the cost of a business combination and the acquirer’s interest in the fair value of its identifiable assets and liabilities of the acquiree at the date of acquisition. Subsequent to initial recognition, goodwill is measured at cost less accumulated amortisation and accumulated impairment losses. Goodwill is amortised on a straight line basis to the Profit and loss account over its useful economic life.

Amortisation is provided on the following basis: 

            Goodwill                                        -  10 years 
 

 
2.8

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, using the straight-line method.

Depreciation is provided on the following basis:

Leasehold improvements
-
1 - 15 years
Plant and machinery
-
2 - 10 years
Motor vehicles
-
3 - 5 years
Fixtures and fittings
-
2 - 7 years
Computer equipment
-
1 - 5 years

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.

 
2.9

Stocks

Stocks are stated at the lower of cost and net realisable value, being the estimated selling price less costs to complete and sell. Cost is based on the cost of purchase on a first in, first out basis. Work in progress and finished goods include labour and attributable overheads.

At each balance sheet date, stocks are assessed for impairment. If stock is impaired, the carrying amount is reduced to its selling price less costs to complete and sell. The impairment loss is recognised immediately in profit or loss.

Vehicles on consignment from manufacturers that are subject to interest or other charges are included in stock at cost when there has been a substantial transfer of the risks and rewards of ownership. The associated liability is recorded in vehicle creditors. 

Page 16

 
Sailhouse Cars Limited
 
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

2.Accounting policies (continued)

  
2.10

Debtors

Short term debtors are measured at transaction price, less impariment.

  
2.11

Cash

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours.

 
2.12

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

 
2.13

Provisions for liabilities

Provisions are recognised when an event has taken place that gives rise to a legal or constructive obligation, a transfer of economic benefits is probable and a reliable estimate can be made.

Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
 
Increases in provisions are generally charged as an expense to profit or loss.

 
2.14

Financial instruments

The Company has elected to apply the provisions of Section 11 “Basic Financial Instruments” of FRS 102 to all of its financial instruments.

Basic financial assets

Basic financial assets, which include trade and other debtors, cash and bank balances, are initially measured at their transaction price (adjusted for transaction costs except in the initial measurement of financial assets that are subsequently measured at fair value through profit and loss) and are subsequently carried at their amortised cost using the effective interest method, less any provision for impairment, unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest.

Discounting is omitted where the effect of discounting is immaterial. The Company's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

Impairment of financial assets

Financial assets are assessed for indicators of impairment at each reporting date.

Financial assets are impaired when events, subsequent to their initial recognition, indicate the estimated future cash flows derived from the financial asset(s) have been adversely impacted. The impairment loss will be the difference between the current carrying amount and the present value of the future cash flows at the asset(s) original effective interest rate.

 

Page 17

 
Sailhouse Cars Limited
 
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

2.Accounting policies (continued)


2.14
Financial instruments (continued)

If there is a favourable change in relation to the events surrounding the impairment loss then the impairment can be reviewed for possible reversal. The reversal will not cause the current carrying amount to exceed the original carrying amount had the impairment not been recognised. The impairment reversal is recognised in the profit or loss.

Financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the Company after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans and other loans are initially measured at their transaction price (adjusting for transaction costs except in the initial measurement of financial liabilities that are subsequently measured at fair value through profit and loss). When this constitutes a financing transaction, whereby the debt instrument is measured at the present value of the future payments discounted at a market rate of interest, discounting is omitted where the effect of discounting is immaterial.

Debt instruments are subsequently carried at their amortised cost using the effective interest rate method.

Trade creditors are obligations to pay for goods and services that have been acquired in the ordinary course of business from suppliers. Trade creditors are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities. Trade creditors are initially recognised at their transaction price and subsequently are measured at amortised cost using the effective interest method. Discounting is omitted where the effect of discounting is immaterial.

Derecognition of financial assets

Financial assets are derecognised when their contractual right to future cash flow expire, or are settled, or when the Company transfers the asset and substantially all the risks and rewards of ownership to another party. If significant risks and rewards of ownership are retained after the transfer to another party, then the Company will continue to recognise the value of the portion of the risks and rewards retained.

Derecognition of financial liabilities

Financial liabilities are derecognised when the Company's contractual obligations expire or are discharged or cancelled.

 
2.15

Dividends

Equity dividends are recognised when they become legally payable. Interim equity dividends are recognised when paid. Final equity dividends are recognised when approved by the shareholders at an annual general meeting.

Page 18

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

3.


Judgements in applying accounting policies and key sources of estimation uncertainty

The preparation of the financial statements requires management to make significant judgements and estimates that affect amounts recognised for assets and liabilities at the reporting date and the amounts of revenue and expenses incurred during the period. Actual outcomes may differ from these judgements, estimates and assumptions.

The directors believe that judgements, estimates and assumptions do not have a significant risk of causing a material difference to the carrying amounts of the assets and liabilities within the next financial year.


4.


Turnover

An analysis of turnover by class of business is as follows:


2025
2024
£
£

Vehicles income
14,723,396
14,166,255

Service income
1,282,169
1,172,858

Parts income
1,643,761
1,602,221

17,649,326
16,941,334


All turnover arose within the United Kingdom.


5.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Depreciation
197,655
204,763

Amortisation
8,689
8,689

Operating lease rentals
96,285
95,100


6.


Auditors' remuneration

During the year, the Company obtained the following services from the Company's auditors:


2025
2024
£
£

Fees payable to the Company's auditors for the audit of the Company's financial statements
8,450
7,530

Fees payable to the Company's auditors in respect of:

Taxation compliance services
1,950
1,770

All non-audit services not included above
2,100
2,100
Page 19

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

7.


Employees

Staff costs, including director's remuneration, were as follows:


2025
2024
£
£

Wages and salaries
1,258,151
1,182,633

Social security costs
125,495
109,141

Cost of defined contribution scheme
38,463
34,102

1,422,109
1,325,876


The average monthly number of employees, including the director, during the year was as follows:


        2025
        2024
            No.
            No.







Directors
1
1



Employees
36
39

37
40


8.


Director's remuneration

2025
2024
£
£

Director's emoluments
80,000
81,120

Company contributions to defined contribution pension schemes
3,200
3,200

Benefits in kind
5,650
-

88,850
84,320


During the year retirement benefits were accruing to 1 director (2024 - 1) in respect of defined contribution pension schemes.


9.


Interest payable and similar expenses

2025
2024
£
£


Bank interest payable
218,103
217,143

Page 20

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

10.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
112,310
24,838


Deferred tax


Charged/(credited) to profit or loss
(23,933)
85,562


Taxation on profit on ordinary activities
88,377
110,400

Factors affecting tax charge for the year

The tax assessed for the year is higher than (2024 - higher than) the standard rate of corporation tax in the UK of 25.00% (2024 - 25.00%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
304,601
402,201


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25.00% (2024 - 25.00%)
76,150
100,550

Effects of:


Non-tax deductible amortisation of goodwill
2,172
2,172

Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
1,913
1,668

Marginal Relief
-
(2,132)

Depreciation of ineligible assets
8,142
8,142

Total tax charge for the year
88,377
110,400


11.


Dividends

2025
2024
£
£


Dividends
50,000
50,000

Page 21

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

12.


Intangible assets




Goodwill

£



Cost


At 1 January 2025
86,888



At 31 December 2025

86,888



Amortisation


At 1 January 2025
59,734


Charge for the year
8,689



At 31 December 2025

68,423



Net book value



At 31 December 2025
18,465



At 31 December 2024
27,154



Page 22

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

13.


Tangible fixed assets





Short-term leasehold property
Plant and machinery
Motor vehicles
Fixtures and fittings
Computer equipment
Total

£
£
£
£
£
£



Cost


At 1 January 2025
1,497,513
239,019
101,571
216,065
114,953
2,169,121


Additions
28,283
18,450
15,960
5,035
21,991
89,719


Disposals
-
-
(78,239)
-
-
(78,239)



At 31 December 2025

1,525,796
257,469
39,292
221,100
136,944
2,180,601



Depreciation


At 1 January 2025
251,893
95,678
44,796
89,437
94,618
576,422


Charge for the year
105,842
32,122
7,510
34,916
17,265
197,655


Disposals
-
-
(46,087)
-
-
(46,087)



At 31 December 2025

357,735
127,800
6,219
124,353
111,883
727,990



Net book value



At 31 December 2025
1,168,061
129,669
33,073
96,747
25,061
1,452,611



At 31 December 2024
1,245,620
143,341
56,775
126,628
20,335
1,592,699




The net book value of land and buildings may be further analysed as follows:


2025
2024
£
£

Short leasehold
1,168,061
1,245,620



14.


Stocks

2025
2024
£
£

Parts
158,792
110,980

Vehicles
2,879,176
2,348,583

3,037,968
2,459,563


Page 23

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

15.


Debtors

2025
2024
£
£


Trade debtors
412,926
353,007

Other debtors
129,248
106,704

Prepayments
64,441
92,243

606,615
551,954



16.


Cash

2025
2024
£
£

Cash at bank and in hand
752,773
567,675



17.


Creditors: Amounts falling due within one year

2025
2024
£
£

Bank loans
227,904
230,311

Trade creditors
3,517,856
2,767,804

Corporation tax
112,310
24,838

Other taxation and social security
102,970
73,346

Other creditors
74,442
97,400

Accruals and deferred income
165,801
175,253

4,201,283
3,368,952


Page 24

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

17.Creditors: Amounts falling due within one year (continued)

Bank overdraft facilities are provided by HSBC Bank Plc and any borrowings are secured by debentures comprising fixed and floating charges over the Company’s assets and the undertakings. 

Trade creditors include amounts due of £2,719,706 to Volvo Financial Services UK Limited (2024:
 £2,275,605) and £342,667 due to Next Gear Capital UK Limited (2024: £180,759) effectively secured against the relevant vehicle stock and a floating charge against the Company's assets and undertakings. 

The Company entered into a loan agreement in respect of a loan totalling £50,000 with HSBC UK Bank Plc and this was drawn down during September 2020. The lending facility is supported by the Bounce Back Loan Scheme, with interest due during the first 12 months being payable by the UK Government under the terms of the Scheme. After the first 12 months, interest has been borne by the Company.

The Company is repaying the loan by monthly repayments of £887. The first instalment was due 13 months after the date on which the loan was drawn and the final instalment was due 72 months after the loan was drawn. 

An interest rate of 2.5% per annum is applicable. In relation to the first 12 months, the annual interest rate applicable during that period was, in effect 0%.

The Company entered into a loan agreement in respect of a loan totalling £750,000 with HSBC Bank Plc and which was drawn down during February 2022. The loan is supported by the Recovery Loan Scheme. 

The Company is repaying the loan by means of 60 consecutive monthly instalments of £12,500. The first instalment is due 13 months after the draw down date and the final instalment is due 72 months after the loan was drawn. An interest rate of 3.99% per annum over the Bank of England Base Rate is applicable.  

The Company entered into a loan agreement in respect of a loan totalling £350,000 with Volvo Car Financial Services UK Ltd and which was drawn down during April 2022.  The borrowings are secured by personal guarantee agreed between Christopher Carr and Volvo Car Financial Services UK Limited.

The Company is repaying the loan by means of 60 consecutive monthly instalments of £5,833.33. The first instalment was due one month after the draw down date. An interest rate of 1.54% per annum is applicable. 


18.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Bank loans
198,334
426,238

Accruals and deferred income
56,169
133,500

254,503
559,738


Note 17 provides detailed information regarding the loan security.

Page 25

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

19.


Loans


Analysis of the maturity of loans is given below:


2025
2024
£
£

Amounts falling due within one year

Bank loans
227,904
230,311

Amounts falling due 1-2 years

Bank loans
173,334
227,904

Amounts falling due 2-5 years

Bank loans
25,000
198,334

426,238
656,549



20.


Deferred taxation




2025
2024


£

£






Liability at beginning of year
(149,573)
(64,011)


Charge to profit or loss
23,933
(85,562)



Liability at end of year
(125,640)
(149,573)

The provision for deferred taxation is made up as follows:

2025
2024
£
£


Accelerated capital allowances
(128,851)
(152,426)

Other timing differences
3,211
2,853

(125,640)
(149,573)


21.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



100,100 (2024 - 100,100) Ordinary shares shares of £1.00 each
100,100
100,100


Page 26

 
Sailhouse Cars Limited
   
 
 
Notes to the Financial Statements
for the year ended 31 December 2025

22.


Reserves

Profit and loss account

The profit and loss accounts represents the accumulated profit and losses.


23.


Pension commitments

The Company operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Company in an independently administered fund. The pension cost charge represents contributions payable by the Company to the fund and amounted to £38,463 (2024 - £34,102). Contributions totalling £6,838 (2024 – £6,146) were payable to the fund at the balance sheet date. 


24.


Commitments under operating leases

At 31 December 2025 the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2025
2024
£
£


Not later than 1 year
96,070
96,143

Later than 1 year and not later than 5 years
351,250
366,277

Later than 5 years
160,000
160,000

607,320
622,420


25.


Controlling party

The ultimate controlling party is C J Carr, by virtue of his ownership of 100% of the issued share capital of the company. 
Page 27