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Company Registration Number: 07382775
 
 
Sterling Life and Mortgages Limited
 
Director's Report and Unaudited Financial Statements
 
for the financial year ended 30 September 2025
Sterling Life and Mortgages Limited
DIRECTOR AND OTHER INFORMATION

 
Director Mr J A Doidge
 
 
Company Registration Number 07382775
 
 
Registered Office Cedar Lodge
York Road
Shiptonthorpe
York
YO43 3PH
 
 
Accountants DAH Accountancy Services Limited
Chartered Management Accountants
Cedar Lodge
York Road
Shiptonthorpe
York
East Yorkshire
YO43 3PH
United Kingdom



Sterling Life and Mortgages Limited
DIRECTOR'S REPORT
for the financial year ended 30 September 2025

 
The director presents his report and the unaudited financial statements for the financial year ended 30 September 2025.
 
The Company is dormant and has not traded during the financial year.
     
Director
The director who served during the financial year is as follows:
     
Mr J A Doidge
     
Statement of Director's Responsibilities
     
The director is responsible for preparing 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 United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law) including FRS 105 "The Financial Reporting Standard for Micro-Entities 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 and 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 enable him to ensure that the financial statements comply with the Companies Act 2006. He 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.
     
Special provisions relating to small companies
The above report has been prepared in accordance with the special provisions relating to small companies within Part 15 of the Companies Act 2006.
     
     
On behalf of the board
     
     
     
___________________________
Mr J A Doidge
Director
     
7 June 2026



Sterling Life and Mortgages Limited

CHARTERED MANAGEMENT ACCOUNTANTS REPORT
to the Director on the Compilation of the unaudited financial statements of Sterling Life and Mortgages Limited
for the financial year ended 30 September 2025
 
In accordance with our engagement letter dated 7 June 2026 and in order to assist you to fulfil your duties under the Companies Act 2006, we have compiled for your approval the financial statements of the company for the financial year ended 30 September 2025 as set out on pages  to  which comprise the Director's Report, Profit and Loss Account, the Balance Sheet and the related notes from the company's accounting records and from information and explanations you have given to us.
 
This report is made solely to the director of Sterling Life and Mortgages Limited, in accordance with the terms of our engagement. Our work has been undertaken so that we might compile the financial statements that we have been engaged to compile, report to the company’s Director that we have done so, and state those matters that we have agreed to state to them in this 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 its director for our work or for this report.
 
We have carried out this engagement in accordance with guidance issued by the Chartered Institute of Management Accountants and have complied with the relevant ethical guidance laid down by the Chartered Institute of Management Accountants relating to members undertaking the compilation of financial statements.
 
You have acknowledged on the Balance Sheet for the year ended 30 September 2025 your duty to ensure that Sterling Life and Mortgages Limited has kept adequate accounting records and to prepare statutory financial statements that give a true and fair view of the assets, liabilities, financial position and profit of Sterling Life and Mortgages Limited. You consider that Sterling Life and Mortgages Limited is exempt from the statutory audit requirement for the financial year.
 
We have not been instructed to carry out an audit or a review of the financial statements of Sterling Life and Mortgages Limited. For this reason, we have not verified the adequacy, accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory financial statements.
 
 
 
__________________________________
David Hannam
for and on behalf of
DAH ACCOUNTANCY SERVICES LIMITED
Chartered Management Accountants
Cedar Lodge
York Road
Shiptonthorpe
York
East Yorkshire
YO43 3PH
United Kingdom
 
7 June 2026



Sterling Life and Mortgages Limited
PROFIT AND LOSS ACCOUNT
for the financial year ended 30 September 2025
2025 2024
£ £

───────── ─────────
Profit - -
═════════ ═════════
 
The company did not trade during the financial year and received no income and incurred no expenditure. During the financial year the company made neither a profit nor a loss.



Sterling Life and Mortgages Limited
Company Registration Number: 07382775
BALANCE SHEET
as at 30 September 2025

    2025   2024
  £   £
 
 
Current assets 7,456   8,661
Prepayments and accrued income 2,042   1,197
 
Creditors: amounts falling due within one year (3,490)   (3,490)
  ─────────   ─────────
Net Current Assets 6,008   6,368
  ─────────   ─────────
 
Total Assets less Current Liabilities 6,008   6,368
 
Creditors: amounts falling due after more than one year (10,205)   (10,205)
 
Accruals and deferred income (120)   (480)
  ─────────   ─────────
Net Liabilities (4,317)   (4,317)
  ═════════   ═════════
 
Capital and Reserves (4,317)   (4,317)
  ═════════   ═════════
 
Notes to the Financial statements
   
1. General Information
 
Sterling Life and Mortgages Limited is a company limited by shares incorporated and registered in England. The registered number of the company is 07382775. The registered office of the company is Cedar Lodge, York Road, Shiptonthorpe, York, YO43 3PH. The financial statements have been presented in Pound (£) which is also the functional currency of the company.
       
2. Employees
 
The average monthly number of employees, including director, during the financial year was 1, (2024 - 1).
     
For the financial year ended 30 September 2025 the company was entitled to exemption from audit under section 480 of the Companies Act 2006.
 
The director confirms that the members have not required the company to obtain an audit of its financial statements for the financial year in question in accordance with section 476 of the Companies Act 2006.
 
The director acknowledges his responsibilities for ensuring that the company keeps accounting records which comply with section 386 and for preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of the financial year and of its profit and loss for the 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.
 
These financial statements have been prepared in accordance with the provisions available to micro-entities in Part 15 of the Companies Act 2006 and delivered in accordance with the provisions applicable to companies subject to the small companies' regime.
 
Approved by the Director on 7 June 2026 and signed by:
 
 
   
________________________________  
Mr J A Doidge  
Director