T MORTGAGE SOLUTIONS LTD


Director	WILLIAMS, Tracy Anne


Registered Address	12 Long Fallas Crescent
	Brighouse
	HD6 3TN


Registered Number	11876464 (England and Wales)

Balance Sheet as at
31 March 2026

	Notes	2026		2025
		£	£	£	£
Fixed assets
Tangible assets	3		255		718
			255		718
Current assets
Cash at bank and on hand		21,011		11,137
		21,011		11,137
Creditors amounts falling due within one year	4	(12,987)		(9,930)
Net current assets (liabilities)			8,024		1,207
Total assets less current liabilities			8,279		1,925
Provisions for liabilities	5		(48)		(136)
Net assets			8,231		1,789
Capital and reserves
Called up share capital			100		100
Profit and loss account			8,131		1,689
Shareholders' funds			8,231		1,789

The company was entitled to exemption from audit for this reporting period under section 477 of the Companies Act 2006 relating to small companies.
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 for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
These accounts have been prepared in accordance with the provisions applicable to companies subject to the small companies regime.
The directors have chosen to not file a copy of the company’s profit and loss account under section 444 (5A) Companies Act 2006.

The financial statements were approved and authorised for issue by the Director on 1 July 2026, and are signed on its behalf by:

WILLIAMS, Tracy Anne
Director
Registered Company No. 11876464

T MORTGAGE SOLUTIONS LTD

Notes to the Financial Statements
for the year ended 31 March 2026

1.	Accounting policies

	Statutory information
	The company is a private company limited by shares and registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

	Basis of preparation
	The accounts have been prepared under the historical cost convention and in accordance with FRS 102, the financial reporting standard applicable in the UK and Republic of Ireland (as applied to small entities by section 1A of the standard).

	Turnover policy
	Turnover is measured at the fair value of the consideration received or receivable, net of discounts and value added taxes. Turnover includes revenue earned from the sale of goods and from the rendering of services.

	Current 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.

Current 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.

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.

	Tangible fixed assets and depreciation
	Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.


		Straight line (years)
	Office Equipment	33

2.	Average number of employees


		2026		2025
	Average number of employees during the year	1		1

3.	Tangible fixed assets

	Office Equipment	Total
	£	£
Cost or valuation
At 01 April 25	1,383	1,383
At 31 March 26	1,383	1,383
Depreciation and impairment
At 01 April 25	665	665
Charge for year	463	463
At 31 March 26	1,128	1,128
Net book value
At 31 March 26	255	255
At 31 March 25	718	718

4.	Creditors: amounts due within one year

	2026	2025
	£	£
Trade creditors / trade payables	469	-
Taxation and social security	8,402	5,311
Other creditors	2,336	2,928
Accrued liabilities and deferred income	1,780	1,691
Total	12,987	9,930

5.	Provisions for liabilities

	2026	2025
	£	£
Net deferred tax liability (asset)	48	136
Total	48	136

6.	Directors advances, credits and guarantees
	Included within creditors amounts falling due within one year were loans from the directors of £2337 (2025: £2928). The loans were interest free, with no fixed date of repayment.