| REGISTERED NUMBER: |
| FINERANCH LIMITED |
| UNAUDITED FINANCIAL STATEMENTS |
| FOR THE YEAR ENDED |
| 31 AUGUST 2025 |
| REGISTERED NUMBER: |
| FINERANCH LIMITED |
| UNAUDITED FINANCIAL STATEMENTS |
| FOR THE YEAR ENDED |
| 31 AUGUST 2025 |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| CONTENTS OF THE FINANCIAL STATEMENTS |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| Page |
| Company Information | 1 |
| Balance Sheet | 2 |
| Notes to the Financial Statements | 4 |
| FINERANCH LIMITED |
| COMPANY INFORMATION |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| DIRECTOR: |
| REGISTERED OFFICE: |
| REGISTERED NUMBER: |
| ACCOUNTANTS: |
| Chartered Certified Accountants |
| and Statutory Auditors |
| 8 Church Green East |
| Redditch |
| Worcestershire |
| B98 8BP |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| BALANCE SHEET |
| 31 AUGUST 2025 |
| 31.8.25 | 31.8.24 |
| Notes | £ | £ | £ | £ |
| FIXED ASSETS |
| Tangible assets | 4 |
| Investments | 5 |
| CURRENT ASSETS |
| Debtors | 6 |
| Cash at bank |
| CREDITORS |
| Amounts falling due within one year | 7 |
| NET CURRENT LIABILITIES | ( |
) | ( |
) |
| TOTAL ASSETS LESS CURRENT LIABILITIES |
| CREDITORS |
| Amounts falling due after more than one year |
8 |
( |
) |
( |
) |
| PROVISIONS FOR LIABILITIES | ( |
) | ( |
) |
| NET LIABILITIES | ( |
) | ( |
) |
| CAPITAL AND RESERVES |
| Called up share capital |
| Fair value reserve | 10 |
| Retained earnings | ( |
) | ( |
) |
| ( |
) | ( |
) |
| 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. |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| BALANCE SHEET - continued |
| 31 AUGUST 2025 |
| The financial statements were approved by the director and authorised for issue on |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| NOTES TO THE FINANCIAL STATEMENTS |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| 1. | STATUTORY INFORMATION |
| Fineranch Limited is a |
| 2. | ACCOUNTING POLICIES |
| Basis of preparing the financial statements |
| The company has net liabilities of £530,409 At the year end 31 August 2025. The director intends to continue their financial support of the company, and for that reason the accounts have been prepared on the going concern basis. |
| 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 |
| Plant and machinery etc | - |
| Investments in subsidiaries |
| Investments in subsidiary undertakings are recognised at cost. |
| 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 profit or loss on a straight line basis over the period of the lease. |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| NOTES TO THE FINANCIAL STATEMENTS - continued |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| 2. | ACCOUNTING POLICIES - continued |
| 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 |
| 4. | TANGIBLE FIXED ASSETS |
| Freehold | Long | Plant and |
| prop | leasehold | machinery |
| £ | £ | £ |
| COST OR VALUATION |
| At 1 September 2024 |
| Additions |
| At 31 August 2025 |
| DEPRECIATION |
| At 1 September 2024 |
| Charge for year |
| At 31 August 2025 |
| NET BOOK VALUE |
| At 31 August 2025 |
| At 31 August 2024 |
| Fixtures |
| and | Motor |
| fittings | vehicles | Totals |
| £ | £ | £ |
| COST OR VALUATION |
| At 1 September 2024 |
| Additions |
| At 31 August 2025 |
| DEPRECIATION |
| At 1 September 2024 |
| Charge for year |
| At 31 August 2025 |
| NET BOOK VALUE |
| At 31 August 2025 |
| At 31 August 2024 |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| NOTES TO THE FINANCIAL STATEMENTS - continued |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| 4. | TANGIBLE FIXED ASSETS - continued |
| Cost or valuation at 31 August 2025 is represented by: |
| Freehold | Long | Plant and |
| prop | leasehold | machinery |
| £ | £ | £ |
| Valuation in 2019 | 12,500 | - | - |
| Cost | 2,930,338 | 213,599 | 124,684 |
| 2,942,838 | 213,599 | 124,684 |
| Fixtures |
| and | Motor |
| fittings | vehicles | Totals |
| £ | £ | £ |
| Valuation in 2019 | - | - | 12,500 |
| Cost | 2,162 | 56,000 | 3,326,783 |
| 2,162 | 56,000 | 3,339,283 |
| If Freehold land and buildings had not been revalued they would have been included at the following historical cost: |
| 31.8.25 | 31.8.24 |
| £ | £ |
| Cost | 2,930,338 | 2,318,408 |
| Value of land in freehold land and buildings | 585,000 | 585,000 |
| Freehold land and buildings were valued on an open market basis on 31 August 2025 by the director . |
| 5. | FIXED ASSET INVESTMENTS |
| Shares in |
| group |
| undertakings |
| £ |
| COST |
| At 1 September 2024 |
| and 31 August 2025 |
| NET BOOK VALUE |
| At 31 August 2025 |
| At 31 August 2024 |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| NOTES TO THE FINANCIAL STATEMENTS - continued |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| 6. | DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |
| 31.8.25 | 31.8.24 |
| £ | £ |
| Trade debtors |
| Other debtors |
| 7. | CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |
| 31.8.25 | 31.8.24 |
| £ | £ |
| Trade creditors |
| Amounts owed to group undertakings |
| Taxation and social security |
| Other creditors |
| 8. | CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR |
| 31.8.25 | 31.8.24 |
| £ | £ |
| Other creditors |
| Amounts falling due in more than five years: |
| Repayable by instalments |
| Other loans more 5yrs instal | 762,819 | 711,105 |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| NOTES TO THE FINANCIAL STATEMENTS - continued |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| 9. | SECURED DEBTS |
| The following secured debts are included within creditors: |
| 31.8.25 | 31.8.24 |
| £ | £ |
| Other loans |
| On 1 August 2018 a legal charge was created over the leasehold property Flat 8, Aesops Court, 31 Valley Road Coventry CV2 3 JE in favour of Paragon Bank PLC. |
| On 1 August 2018 a floating charge was created over all assets of the company in favour of Paragon Bank PLC and Paragon Mortgages (2010) Limited. |
| On 18 April 2019 a legal charge was created over the property 233 Birmingham Road, Stratford Upon Avon, Warwickshire, CV37 0AP in favour of Paragon Bank PLC. |
| On 26 July 2019 a legal charge was created over the property 295 Horrell Road, Birmingham, West Midlands, B26 3AH in favour of Paragon Bank PLC. |
| On 2 August 2019 a legal charge was created over the property 52 North Street, Brierley Hill, West Midlands, DY5 3SJ in favour of Paragon Bank PLC. |
| On 1 July 2021 a fixed charge was created over the property Station House, Clee Hill Road, Burford, Tenbury Wells, WR15 8HB in favour of Together Commercial Finance Limited. |
| On 1 July 2021 a fixed and floating charge was created over all property or undertaking of the company in favour of Together Commercial Finance Limited. |
| On 16 December 2022 a legal charge was created over the freehold land at Hanley William WR15 8QT, and the freehold land at Neigh Lane, Cropthorne, Pershore in favour of UKAL NO3 Limited. |
| On 16 December 2022 a fixed and floating charge was created over all property or undertaking of the company in favour of UKAL NO3 Limited. |
| On 16 July 2025 a legal charge was created over the land on the North side of Shirel, Cresselly, Kilgetty, SA68 0TD, in favour of West One Loan Limited. |
| On 16 July 2025 a legal charge was created over Station House, Upper Teme Business Park, Clee Hill Road, Burford, WR15 8HB and land and buildings on the West side of Clee Hill Road, Burford, in favour of West One Loan Limited. |
| On 16 July 2025 a legal charge was created over 10 Willow Bank Close, Throckmorton, Pershore, WR10 2JW and Lot 2, Mill Lane, Drakes Broughton, Pershore, WR10 2AF, and a floating charge was also created over all property or undertaking of the company, all in favour of West One Loan Limited. |
| FINERANCH LIMITED (REGISTERED NUMBER: 10926692) |
| NOTES TO THE FINANCIAL STATEMENTS - continued |
| FOR THE YEAR ENDED 31 AUGUST 2025 |
| 10. | RESERVES |
| Fair |
| value |
| reserve |
| £ |
| At 1 September 2024 |
| Transfer of reserves | (750 | ) |
| At 31 August 2025 |