Find a Mortgage Online Ltd

	Page
Balance Sheet	1—2
Notes to the Financial Statements	3—5

Registered number: 08662127

		2025		2024
	Notes	£	£	£	£
FIXED ASSETS
Intangible Assets	4		47,448		149,489
Tangible Assets	5		1,894		5,596

			49,342		155,085
CURRENT ASSETS
Debtors	6	101,424		134,011
Cash at bank and in hand		405,334		715,155

		506,758		849,166
Creditors: Amounts Falling Due Within One Year	7	(258,936 )		(82,330 )

NET CURRENT ASSETS (LIABILITIES)			247,822		766,836

TOTAL ASSETS LESS CURRENT LIABILITIES			297,164		921,921

Creditors: Amounts Falling Due After More Than One Year	8		-		(33,333 )

PROVISIONS FOR LIABILITIES
Deferred Taxation			-		(38,774 )

NET ASSETS			297,164		849,814

CAPITAL AND RESERVES
Called up share capital	10		77		77
Capital redemption reserve			(252,128 )		(252,128 )
Profit and Loss Account			549,215		1,101,865

SHAREHOLDERS' FUNDS			297,164		849,814

Page 1

Page 2

Find a Mortgage Online Ltd

Balance Sheet (continued)

As At 31 August 2025

For the year ending 31 August 2025 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.

The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.

On behalf of the board

Peter Mugleston

Director

29/05/2026

The notes on pages 3 to 5 form part of these financial statements.

1. General Information

Find a Mortgage Online Ltd is a private company, limited by shares, incorporated in England & Wales, registered number 08662127 . The registered office is First Floor Sterling House, Outrams Wharf, Little Eaton, Derbyshire, DE21 5EL.

2. Accounting Policies

2.1. Basis of Preparation of Financial Statements

The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.

2.2. Turnover

Turnover is measured at the fair value of the consideration received or receivable, net of discounts and value added taxes. Turnover includes revenue earned from the sale of goods and from the rendering of services. Turnover is reduced for estimated customer returns, rebates and other similar allowances.

Rendering of services

Turnover from the rendering of services is recognised by reference to the stage of completion of the contract. The stage of completion of a contract is measured by comparing the costs incurred for work performed to date to the total estimated contract costs. Turnover is only recognised to the extent of recoverable expenses when the outcome of a contract cannot be estimated reliably.

2.3. Research and Development

Intangible assets are website development costs. They are amortised to the profit and loss account over the estimated economic life of 3 years.

2.4. Tangible Fixed Assets and Depreciation

Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Fixtures & Fittings	5 years straight line
Computer Equipment	3 years straight line

2.5. Taxation

Income tax expense represents the sum of the tax currently payable and deferred tax.

The tax currently payable is based on taxable profit for the year. Taxable profit differs from profit as reported in the statement of comprehensive income because of items of income or expense that are taxable or deductible in other years and items that are never taxable or deductible. The company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the end of the reporting period.

Deferred tax is recognised on timing differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. Deferred tax liabilities are generally recognised for all taxable timing differences. Deferred tax assets are generally recognised for all deductible temporary differences to the extent that it is probable that taxable profits will be available against which those deductible timing differences can be utilised. The carrying amount of deferred tax assets is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.

Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realised, based on tax rates (and tax laws) that have been enacted or substantively enacted by the end of the reporting period. Deferred tax liabilities are presented within provisions for liabilities and deferred tax assets within debtors. The measurement of deferred tax liabilities and assets reflect the tax consequences that would follow from the manner in which the Company expects, at the end of the reporting period, to recover or settle the carrying amount of its assets and liabilities.

Current and deferred tax are recognised in profit or loss for the year, except when they relate to items that are recognised in other comprehensive income or directly in equity, in which case current and deferred tax are recognised in other comprehensive income or directly in equity respectively.

Page 3

Page 4

Find a Mortgage Online Ltd

Notes to the Financial Statements (continued)

For The Year Ended 31 August 2025

3. Average Number of Employees

Average number of employees, including directors, during the year was: 12 (2024: 15)

4. Intangible Assets

	Development Costs
	£
Cost
As at 1 September 2024	506,422
Additions	12,032

As at 31 August 2025	518,454

Amortisation
As at 1 September 2024	356,933
Provided during the period	114,073

As at 31 August 2025	471,006

Net Book Value
As at 31 August 2025	47,448

As at 1 September 2024	149,489

5. Tangible Assets

	Computer Equipment
	£
Cost
As at 1 September 2024	341,448
Additions	160

As at 31 August 2025	341,608

Depreciation
As at 1 September 2024	335,852
Provided during the period	3,862

As at 31 August 2025	339,714

Net Book Value
As at 31 August 2025	1,894

As at 1 September 2024	5,596

6. Debtors

	2025	2024
	£	£
Due within one year
Trade debtors	26,399	71,211
Other debtors	75,025	62,800

	101,424	134,011

Page 4

Page 5

Find a Mortgage Online Ltd

Notes to the Financial Statements (continued)

For The Year Ended 31 August 2025

7. Creditors: Amounts Falling Due Within One Year

	2025	2024
	£	£
Trade creditors	36,561	16,870
Bank loans and overdrafts	30,000	40,000
Other creditors	72,587	49,292
Taxation and social security	119,788	(23,832 )

	258,936	82,330

8. Creditors: Amounts Falling Due After More Than One Year

	2025	2024
	£	£
Bank loans	-	33,333

9. Secured Creditors

Of the creditors the following amounts are secured.

	2025		2024
	£		£
Bank loans and overdrafts	30,000		73,333

10. Share Capital

	2025	2024
Allotted, called up and fully paid	£	£
965 Ordinary A shares of £0.01 each	10	10
2,771 Ordinary B shares of £0.01 each	28	28
2,771 Ordinary C shares of £0.01 each	28	28
356 Ordinary D shares of £0.01 each	3	3
429 Ordinary E shares of £0.01 each	4	4
429 Ordinary F shares of £0.01 each	4	4
1 Ordinary G shares of £0.01 each	-	-
	77	77

Page 5