REGISTERED NUMBER: 01034007 (England and Wales)

Unaudited Financial Statements for the Year Ended 30 September 2025

for

Retirement Services Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

J Renshaw-Smith

G Renshaw-Smith

REGISTERED OFFICE:

Unit 4, Meersbrook Centre

19 Valley Road

Sheffield

South Yorkshire

S8 9FT

REGISTERED NUMBER:

01034007 (England and Wales)

ACCOUNTANTS:

SMH Haywood & Co Limited

24-26 Mansfield Road

Rotherham

South Yorkshire

S60 2DT

FIXED ASSETS

Investments

4

690

690

CURRENT ASSETS

Debtors

5

99,669

113,005

Cash at bank

89,564

90,383

189,233

203,388

CREDITORS

Amounts falling due within one year

6

(124,919

)

(146,700

)

NET CURRENT ASSETS

64,314

56,688

TOTAL ASSETS LESS CURRENT LIABILITIES

65,004

57,378

CREDITORS

Amounts falling due after more than one year

7

-

(3,003

)

NET ASSETS

65,004

54,375

CAPITAL AND RESERVES

Called up share capital

8

100

100

Retained earnings

64,904

54,275

SHAREHOLDERS' FUNDS

65,004

54,375

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

The members have not required the company to obtain an audit of its financial statements for the year ended 30 September 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 Profit and Loss Account has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 2 June 2026 and were signed on its behalf by:

G Renshaw-Smith - Director

1.	STATUTORY INFORMATION

Retirement Services Limited 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.

Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Profit and Loss Account, 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.

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 3 (2024 - 3 ) .

4.	FIXED ASSET INVESTMENTS

Investments (neither listed nor unlisted) were as follows:

2025

2024

£

£

Investment in subsidiaries

690

690

The company holds 100% of the share capital of Melbourne Services Limited, a dormant company. The aggregate amount of capital and reserves is £5,000 (2024 - £5,000) and the profit/(loss) for the year is £nil (2024 - £nil).

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Trade debtors

4,656

9,032

Other debtors

95,013

103,973

99,669

113,005

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Bank loans and overdrafts

3,002

3,918

Trade creditors

71,178

103,634

Amounts owed to group undertakings

5,000

5,000

Taxation and social security

20,337

3,649

Other creditors

25,402

30,499

124,919

146,700

7.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2025

2024

£

£

Bank loans

-

3,003

8.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

2025

2024

value:

£

£

55

A Ordinary

£1

55

55

45

B Ordinary

£1

45

45

100

100

9.	RELATED PARTY DISCLOSURES

The company's income is derived from the management of properties in which Lifestyle Gold Limited has a material interest. Charges received totalled £89,500 (2024 - £88,000). The directors were also directors of Lifestyle Gold Limited during the year.

At the year end the company was owed £64,371 (2024 - £73,153) by Samara Limited, a company of which G. Renshaw-Smith and J. Renshaw-Smith are also directors of. During the year loans relating to Lifestyle Gold Limited have been assigned to Samara Limited.

At the year end the company owed the directors £11,838 (2024 - £19,741).

10.	ULTIMATE CONTROLLING PARTY

The company is controlled by G. Renshaw-Smith.