JRW Financial Management Ltd

JRW Financial Management Ltd
Directors' Report
For the Period 01 December 2024 to 31 January 2026

Director's report and financial statements

The directors present his/her/their annual report and the financial statements for the year ended 31 January 2026

Principal activities

The companys principal activity during the year was that of financial planning.

Directors

The directors who served the company throughout the period were as follows:

Ian WALSH (from 18/11/2016 to 30/01/2026)

Neil GREENAWAY (from 30/01/2026)

Anthony Valentine CARTY (from 30/01/2026)

Thomas Edward CHAMBERS (from 30/01/2026)

Statement of directors' responsibilities

The directors are responsible for preparing the directors’ report and the financial statements in accordance with applicable law and regulation.

Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law). Under company law the directors must not approve the financial statements unless they are 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 directors are required to

select suitable accounting policies and then apply them consistently
make judgments 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 directors are responsible for keeping adequate accounting records that disclose with reasonable accuracy at any time the financial position of the company and enable them to ensure that the financial statements comply with the Companies Act 2006. The directors are 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.

The directors are responsible for the maintenance and integrity of the corporate and financial information included on the company's website. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

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

----------------------------------
Anthony Valentine CARTY
Director

Date approved: 18 May 2026

Registered Number: SC550645 JRW Financial Management Ltd
Balance Sheet
As at 31 January 2026

	Notes	2026 £	2024 £
Fixed assets
Tangible fixed assets	3	1	514
		1	514
Current assets
Debtors	4	90,906	4,899
Cash at bank and in hand		12,183	34,955
		103,089	39,854
Creditors: amount falling due within one year	5	(57,281)	(18,494)
Net current assets		45,808	21,360

Total assets less current liabilities		45,809	21,874
Provisions for liabilities	6	-	(214)
Net assets		45,809	21,660

Capital and reserves
Called up share capital	7	100	100
Profit and loss account		45,709	21,560
Shareholders' funds		45,809	21,660

For the period ended 31 January 2026 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

The members have not required the company to obtain an audit of its accounts for the period in question in accordance with section 476.
The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts.

These 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 profit and loss account has not been delivered to the Registrar of Companies.

The financial statements were approved by the board of directors on 18 May 2026 and were signed on its behalf by:

-------------------------------
Anthony Valentine CARTY
Director

JRW Financial Management Ltd
Notes to the Financial Statements
For the Period 01 December 2024 to 31 January 2026

General Information

JRW Financial Management Ltd is a private company, limited by shares, registered in Scotland, registration number SC550645, registration address Priory View, Victoria Road, Kirkcaldy, Fife, KY1 2SA .

The presentation currency is £ sterling.

Accounting policies

Significant accounting policies

The accounts have been prepared under the historical cost convention and in accordance with FRS 102, the Financial Reporting Standard applicable in the UK and Republic of Ireland (as applied to small entities by Section 1A of the standard)

Turnover

Turnover comprises the invoiced value of goods and services supplied by the company, net of Value Added Tax and trade discounts.

Operating lease rentals

Rentals payable under operating leases are charged against income on a straight line basis over the lease term.

Taxation

Taxation represents the sum of tax currently payable and deferred tax. Tax is recognised in the statement of income, except to the extent that it relates to items recognised in other comprehensive income or directly in capital and reserves.
The company’s liability for current tax is calculated using the tax rates and laws that have been enacted or substantively enacted at the reporting date.
Current and deferred tax assets and liabilities are not discounted

Deferred taxation

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the reporting date.
Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the reporting date 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.
Current and deferred tax assets and liabilities are not discounted.

Tangible fixed assets

Tangible fixed assets, other than freehold land, are stated at cost or valuation less depreciation and any provision for impairment. Depreciation is provided at rates calculated to write off the cost or valuation of fixed assets, less their estimated residual value, over their expected useful lives on the following basis:

Plant and machinery etc

20% SL

Provisions

Provisions are recognised when the company has a present obligation as a result of a past event which it is more probable than not will result in an outflow of economic benefits that can be reasonably estimated.

2.	Average number of employees Average number of employees during the period was 4 (2024 : 5).

Tangible fixed assets

Cost or valuation	Plant and machinery etc	Total
	£	£
At 01 December 2024	9,651	9,651
Additions	-	-
Disposals	-	-
At 31 January 2026	9,651	9,651
Depreciation
At 01 December 2024	9,137	9,137
Charge for period	513	513
On disposals	-	-
At 31 January 2026	9,650	9,650
Net book values
Closing balance as at 31 January 2026	1	1
Opening balance as at 01 December 2024	514	514

Debtors: amounts falling due within one year

	2026 £	2024 £
Trade Debtors	87,673	-
Other Debtors	3,233	4,899
	90,906	4,899

Creditors: amount falling due within one year

	2026 £	2024 £
Taxation and Social Security	27,543	16,494
Other Creditors	29,738	2,000
	57,281	18,494

Provisions for liabilities

	2026 £		2024 £
Deferred Tax	-		214
	-		214

Share Capital

Allotted, called up and fully paid	2026 £		2024 £
100 Class A shares of £1.00 each	100		100
	100		100


Reports Dated : 18/05/2026	Registered Number: SC550645
Scotland
JRW FINANCIAL MANAGEMENT LTD

Unaudited Financial Statements

Period of accounts Start date: 01 December 2024 End date: 31 January 2026