Company registration number: 05254825
Annual report and unaudited financial statements
for the year ended 31 October 2025
for
Chelmsford Mortgage Solutions Ltd
Pages for filing with the Registrar
Company registration number: 05254825
Chelmsford Mortgage Solutions Ltd
Balance sheet
as at 31 October 2025
2025 2024
Note £ £ £ £
Fixed assets
Tangible assets 5 124,065 127,076
124,065 127,076
Current assets
Debtors 6 19,166 26,600
Cash at bank and in hand 31,631 57,866
50,797 84,466
Creditors: amounts falling due within one year
7 (7,268) (9,552)
Net current assets 43,529 74,914
Total assets less current liabilities 167,594 201,990
NET ASSETS 167,594 201,990
Capital and reserves
Called up share capital 20,000 20,000
Profit and loss account 147,594 181,990
TOTAL EQUITY 167,594 201,990
The company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies for the year ended 31 October 2025.
The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The director acknowledges their responsibilities to comply with the Companies Act 2006 in respect to accounting records and the preparation of financial statements.
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Company registration number: 05254825
Chelmsford Mortgage Solutions Ltd
Balance sheet - continued
as at 31 October 2025
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 to the Registrar.
Signed by:
Mrs M Heard, Director
18 June 2026
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Chelmsford Mortgage Solutions Ltd
Notes to the financial statements
for the year ended 31 October 2025
1 Company information
Chelmsford Mortgage Solutions Ltd is a private company registered in England and Wales. Its registered number is 05254825. The company is limited by shares. Its registered office is Chelmsford Mortgage Solutions, 186 Moulsham Street, Chelmsford, Essex, CM2 0LG.
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 historic cost convention.
Presentation currency
The company’s financial statements are presented in sterling.
Going concern
In preparing these financial statements, the director has assessed whether there are any material uncertainties related to events or conditions that cast significant doubt upon the company’s ability to continue as a going concern. In making this assessment, the director takes into account all available information about the future which is at least 12 months from the date that the financial statements are authorised for issue.
The director considers that the company has adequate resources to continue in business for the foreseeable future and that it is appropriate to adopt the going concern basis in preparing the financial statements.
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
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life or, if held under a finance lease, over the lease term, whichever is the shorter.
Land and buildings:
Freehold property - 2% straight line
Long leasehold property - 2% straight line
Plant and machinery etc.:
Computer equipment - 20% straight line
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Chelmsford Mortgage Solutions Ltd
Notes to the financial statements - continued
for the year ended 31 October 2025
2 Accounting policies - continued
Taxation
Taxation for the year comprises current taxation. 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 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.
Retirement benefits
The company operates a defined contribution pension scheme. Contributions payable to the company’s pension scheme are charged to profit and loss in the period to which they relate.
3 Critical accounting judgements and estimates
Commission income receivable from mortgage lenders and product providers is recognised in the Statement of Comprehensive Income on the date the underlying mortgage contract is formally completed. Revenue is measured at the fair value of the consideration received or receivable, representing the gross commission earned less any clawbacks.
4 Average number of employees
During the year the average number of employees was 6 (2024 - 5).
5 Tangible fixed assets
Land and buildings
Plant and machinery etc.

Totals
£ £ £
Cost
At 1 November 2024 198,475 44,144 242,619
Additions - 2,233 2,233
At 31 October 2025 198,475 46,377 244,852
Depreciation
At 1 November 2024 76,754 38,789 115,543
Charge for year 3,688 1,556 5,244
At 31 October 2025 80,442 40,345 120,787
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Chelmsford Mortgage Solutions Ltd
Notes to the financial statements - continued
for the year ended 31 October 2025
5 Tangible fixed assets - continued
Net book value
At 31 October 2025 118,033 6,032 124,065
At 31 October 2024 121,721 5,355 127,076
6 Debtors
2025 2024
£ £
Taxation 216 -
Prepayments and accrued income 18,950 26,600
19,166 26,600
7 Creditors: amounts falling due within one year
2025 2024
£ £
Amounts owed to participating interests 207 207
Amounts owed to directors 2,538 2,538
Taxation - 2,284
Accruals and deferred income 4,523 4,523
7,268 9,552
8 Controlling party
The company is controlled by the Director Michelle Heard.
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