REGISTERED NUMBER: 11694096 (England and Wales)

FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30 NOVEMBER 2025

FOR

JAMES GREEN MORTGAGE LTD

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

B L P Green

J D Green

REGISTERED OFFICE:

Unit G8, Bridgehead Business Park

Ergo Business Centre

Hessle

East Yorkshire

HU13 0GD

REGISTERED NUMBER:

11694096 (England and Wales)

ACCOUNTANTS:

Lloyd Dowson Limited

Medina House

2 Station Avenue

Bridlington

East Yorkshire

YO16 4LZ

FIXED ASSETS

Tangible assets

4

9,040

4,128

Investment property

5

190,000

136,500

199,040

140,628

CURRENT ASSETS

Debtors

6

13,876

13,736

Cash at bank

48,050

30,728

61,926

44,464

CREDITORS

Amounts falling due within one year

7

24,704

26,169

NET CURRENT ASSETS

37,222

18,295

TOTAL ASSETS LESS CURRENT LIABILITIES

236,262

158,923

CREDITORS

Amounts falling due after more than one year

8

(123,315

)

(123,829

)

PROVISIONS FOR LIABILITIES

(15,635

)

(1,094

)

NET ASSETS

97,312

34,000

CAPITAL AND RESERVES

Called up share capital

10

3

3

Fair value reserve

40,125

-

Retained earnings

57,184

33,997

SHAREHOLDERS' FUNDS

97,312

34,000

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

The members have not required the company to obtain an audit of its financial statements for the year ended 30 November 2025 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their 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 Board of Directors and authorised for issue on 21 May 2026 and were signed on its behalf by:

J D Green - Director

1.	STATUTORY INFORMATION

James Green Mortgage 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 as modified by the revaluation of certain assets.

Turnover

Turnover is derived from mortgage and insurance sales and is recognised when the services is provided.

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

-

20% on reducing balance

Computer equipment

-

20% on reducing balance

Investment property

Investment property is shown at most recent valuation. Any aggregate surplus or deficit arising from changes in fair value is recognised in the statement of income.

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.

Hire purchase and leasing commitments

Rentals paid under operating leases are charged to the income statement on a straight line basis over the period of the lease.

Pension costs and other post-retirement benefits

The company operates an auto-enrolment pension. Contributions payable are charged to the income statement in the period to which they relate.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 4 (2024 - 3 ) .

4.	TANGIBLE FIXED ASSETS

Plant and

machinery

etc

£

COST

At 1 December 2024

6,664

Additions

7,172

At 30 November 2025

13,836

DEPRECIATION

At 1 December 2024

2,536

Charge for year

2,260

At 30 November 2025

4,796

NET BOOK VALUE

At 30 November 2025

9,040

At 30 November 2024

4,128

5.	INVESTMENT PROPERTY

Total

£

FAIR VALUE

At 1 December 2024

136,500

Revaluations

53,500

At 30 November 2025

190,000

NET BOOK VALUE

At 30 November 2025

190,000

At 30 November 2024

136,500

Fair value at 30 November 2025 is represented by:

£

Valuation in 2025

53,500

Cost

136,500

190,000

If investment property had not been revalued it would have been included at the following historical cost:

30.11.25

30.11.24

£

£

Cost

136,500

136,500

Investment property was valued on an open market basis basis on 30 November 2025 by the directors .

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

30.11.25

30.11.24

£

£

Amounts owed by associates

12,475

13,227

Other debtors

1,401

509

13,876

13,736

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

30.11.25

30.11.24

£

£

Bank loans and overdrafts

526

1,000

Trade creditors

-

636

Taxation and social security

20,341

21,853

Other creditors

3,837

2,680

24,704

26,169

8.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

30.11.25

30.11.24

£

£

Bank loans

123,315

123,829

9.	SECURED DEBTS

The following secured debts are included within creditors:

30.11.25

30.11.24

£

£

Bank loans

123,315

123,315

10.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

30.11.25

30.11.24

value:

£

£

2

Ordinary

£1

2

2

1

Ordinary B

£1

1

1

3

3