M J W Pensions & Investments Limited iXBRL

M J W Pensions & Investments Limited

Unaudited Financial Statements

for the financial year ended 30 September 2025

M J W Pensions & Investments Limited

DIRECTOR AND OTHER INFORMATION


Director	Mr Matthew Williams


Company Registration Number	10953949


Registered Office and Business Address	Ty Derwen
	Peniel
	Carmarthen
	Carmarthenshire
	SA32 7HS
	United Kingdom


Accountants	A S Harries
	Chartered Certified Accountant
	2nd Floor
	9 Victoria Place
	Haverfordwest
	Pembrokeshire
	SA61 2JX
	UK

M J W Pensions & Investments Limited

CHARTERED CERTIFIED ACCOUNTANT REPORT

to the Director on the Compilation of the unaudited financial statements of M J W Pensions & Investments Limited

for the financial year ended 30 September 2025

In accordance with our engagement letter dated 19 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 Income Statement, the Statement of Financial Position 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 M J W Pensions & Investments 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.

As a firm regulated by the Association of Chartered Certified Accountants our work will be carried out in accordance with the Technical Factsheet 163 Audit Exempt Companies - ACCA Accounts Preparation Report and ISRS 4410 International Standard on Related Services -Compilation Engagements. ln carrying out this engagement we have complied with the ethical guidance laid down by the association relating to members undertaking the compilation of financial statements.

Our work has been undertaken in accordance with the requirements of the Association of Chartered Certified Accountants as detailed at

<http://www.accaglobal.com/ie/en/technical-activities/technical-resources-search/2009/october/factsheet-163-audit-exempt-companies.html>

You have acknowledged on the Statement of Financial Position for the year ended 30 September 2025 your duty to ensure that M J W Pensions & Investments 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 M J W Pensions & Investments Limited . You consider that M J W Pensions & Investments 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 M J W Pensions & Investments 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.

__________________________________

A S HARRIES

Chartered Certified Accountant

2nd Floor

9 Victoria Place

Haverfordwest

Pembrokeshire

SA61 2JX

19 June 2026

M J W Pensions & Investments Limited

INCOME STATEMENT

for the financial year ended 30 September 2025

	2025		2024
	£		£

Turnover	112,135	94,179
Cost of raw materials and consumables	(18,864)	(17,864)
Staff costs	(49,100)	(54,600)
Depreciation and other amounts written off assets	(189)	(222)
Other charges	(12,756)	(12,896)
	─────────	─────────
Profit before taxation	31,226	8,597
Tax	(5,983)	(3,135)
	─────────	─────────
Profit	25,243	5,462
	═════════	═════════

M J W Pensions & Investments Limited

Company Registration Number: 10953949

STATEMENT OF FINANCIAL POSITION

as at 30 September 2025

	2025	2024
	£	£

Fixed Assets	1,070	1,259
	─────────	─────────
Current assets	31,572	17,236
Creditors: amounts falling due within one year	(18,003)	(4,219)
	─────────	─────────
Net Current Assets	13,569	13,017
	─────────	─────────
Total Assets less Current Liabilities	14,639	14,276
Accruals and deferred income	(870)	(750)
	─────────	─────────
Net Assets	13,769	13,526
	═════════	═════════

Capital and Reserves	13,769	13,526
	═════════	═════════

Notes to the Financial statements

General Information

M J W Pensions & Investments Limited is a company limited by shares incorporated and registered in the England and Wales. The registered number of the company is 10953949. The registered office of the company is Ty Derwen, Peniel, Carmarthen, Carmarthenshire, SA32 7HS, United Kingdom which is also the principal place of business of the company. The financial statements have been presented in Pound (£) which is also the functional currency of the company.

Employees

The average monthly number of employees, including director, during the financial year was 2, (2024 - 2).

2025

2024

Number

Number

General

═════════

Post-Balance Sheet Events

There have been no significant events affecting the company since the financial year-end.

For the financial year ended 30 September 2025 the company was entitled to exemption from audit under section 477 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 their 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 19 June 2026 and signed by:

________________________________

Mr Matthew Williams

Director

M J W Pensions & Investments Limited

SUPPLEMENTARY INFORMATION RELATING TO THE FINANCIAL STATEMENTS

TRADING STATEMENT

for the financial year ended 30 September 2025

	2025		2024
	£		£

Sales

112,135

94,179

─────────

Cost of sales

Commissions Payable

18,413

6,280

Network Fee

8,485

Lead Generation

451

3,099

Licences Etc

1,019

948

─────────

19,883

18,812

─────────

Gross profit

92,252

75,367

─────────

Gross profit Percentage

82.3%

80.0%

─────────

Administrative expenses

Wages and salaries	43,100	48,600
Pension costs	6,000	6,000
Staff training	114	-
Use of premises	2,600	2,600
Rent payable	2,700	2,700
Printing, postage and stationery	716	726
Advertising	750	420
Telephone Broadband	176	239
Computer costs	126	60
Travelling and entertainment	3,440	3,931
Entertaining	75	425
Accountancy Fees	870	750
Bank charges	88	96
General expenses	82	1
Depreciation of tangible assets	189	222
	─────────	─────────
	61,026	66,770
	─────────	─────────

Net profit	31,226	8,597
	═════════	═════════