Acorah Software Products - Accounts Production 19.2.450 false true true 31 March 2025 1 April 2024 false 1 April 2025 31 March 2026 31 March 2026 05711103 Mr P A Salinas Mr D Sperber Mrs H L Salinas iso4217:GBP iso4217:EUR iso4217:USD xbrli:shares xbrli:pure xbrli:pure 05711103 2025-03-31 05711103 2026-03-31 05711103 2025-04-01 2026-03-31 05711103 frs-core:CurrentFinancialInstruments 2026-03-31 05711103 frs-core:Non-currentFinancialInstruments 2026-03-31 05711103 frs-core:BetweenOneFiveYears 2026-03-31 05711103 frs-core:ComputerEquipment 2026-03-31 05711103 frs-core:ComputerEquipment 2025-04-01 2026-03-31 05711103 frs-core:ComputerEquipment 2025-03-31 05711103 frs-core:FurnitureFittings 2026-03-31 05711103 frs-core:FurnitureFittings 2025-04-01 2026-03-31 05711103 frs-core:FurnitureFittings 2025-03-31 05711103 frs-core:WithinOneYear 2026-03-31 05711103 frs-core:ShareCapital 2026-03-31 05711103 frs-core:RetainedEarningsAccumulatedLosses 2026-03-31 05711103 frs-bus:PrivateLimitedCompanyLtd 2025-04-01 2026-03-31 05711103 frs-bus:FilletedAccounts 2025-04-01 2026-03-31 05711103 frs-bus:SmallEntities 2025-04-01 2026-03-31 05711103 frs-bus:AuditExempt-NoAccountantsReport 2025-04-01 2026-03-31 05711103 frs-bus:SmallCompaniesRegimeForAccounts 2025-04-01 2026-03-31 05711103 frs-bus:Director1 2025-04-01 2026-03-31 05711103 frs-bus:Director1 2025-03-31 05711103 frs-bus:Director1 2026-03-31 05711103 frs-bus:Director2 2025-04-01 2026-03-31 05711103 frs-bus:CompanySecretary1 2025-04-01 2026-03-31 05711103 frs-countries:EnglandWales 2025-04-01 2026-03-31 05711103 2024-03-31 05711103 2025-03-31 05711103 2024-04-01 2025-03-31 05711103 frs-core:CurrentFinancialInstruments 2025-03-31 05711103 frs-core:Non-currentFinancialInstruments 2025-03-31 05711103 frs-core:BetweenOneFiveYears 2025-03-31 05711103 frs-core:WithinOneYear 2025-03-31 05711103 frs-core:ShareCapital 2025-03-31 05711103 frs-core:RetainedEarningsAccumulatedLosses 2025-03-31
Registered number: 05711103
Coleshill Mortgage Services Limited
Unaudited Financial Statements
For The Year Ended 31 March 2026
Agile Accountants
Coleshill Mortgage Services Limited
Contents
Contents

| Page
--- | ---
Balance Sheet | 1—2
Notes to the Financial Statements | 3—6

Page 1
Coleshill Mortgage Services Limited
Balance Sheet
As At 31 March 2026
Balance Sheet
Registered number: 05711103

| 2026 | 2025
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Tangible Assets | 4 |  | 2,351 |  | 1,987
|  |  | 2,351 |  | 1,987
CURRENT ASSETS
Debtors | 5 | 8,851 |  | 15,533 |
Cash at bank and in hand |  | 46,464 |  | 42,726 |
|  | 55,315 |  | 58,259 |
Creditors: Amounts Falling Due Within One Year | 6 | (37,662 ) |  | (38,178 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | 17,653 |  | 20,081
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 20,004 |  | 22,068
Creditors: Amounts Falling Due After More Than One Year | 7 |  | - |  | (1,769 )
NET ASSETS |  |  | 20,004 |  | 20,299
CAPITAL AND RESERVES
Called up share capital | 8 |  | 112 |  | 112
Profit and Loss Account |  |  | 19,892 |  | 20,187
SHAREHOLDERS' FUNDS |  |  | 20,004 |  | 20,299

Page 1
Page 2
Coleshill Mortgage Services Limited
Balance Sheet (continued)
As At 31 March 2026
For the year ending 31 March 2026 the company was entitled to exemption from audit 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 directors acknowledge 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 and delivered in accordance with the provisions applicable to companies subject to the small companies regime.
The company has taken advantage of section 444(1) of the Companies Act 2006 and opted not to deliver to the registrar a copy of the company's Profit and Loss Account.
On behalf of the board

Mr P A Salinas Director
18 June 2026

The notes on pages 3 to 6 form part of these financial statements.
Page 2
Page 3
Coleshill Mortgage Services Limited
Notes to the Financial Statements
For The Year Ended 31 March 2026
Notes to the Financial Statements
1. General Information
Coleshill Mortgage Services Limited is a private company, limited by shares, incorporated in England & Wales, registered number 05711103 . The registered office is 109 Knowles Hill Rolleston On Dove, Burton On Trent, Staffordshire, DE13 9DZ.
2. Accounting Policies
2.1. Basis of Preparation of Financial Statements
The financial statements have been prepared under the historical cost convention and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006.
2.2. Going Concern Disclosure
The company’s financial statements have been prepared on a going concern basis on the grounds that current and future sources of funding or support will be more than adequate for the company’s needs. In assessing going concern, the directors have a reasonable expectation that the company will continue as a going concern and is able to meet all of its obligations as they fall due for a minimum of 12 months from the date of approval of these financial statements.
2.3. Turnover
Turnover is recognised to the extent there is probable economic benefits will flow to the company and the revenue can be reliably measured. Revenue is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.
Turnover from a contract to provide services is recognised in the period in which the services are provided.
2.4. Tangible Fixed Assets and Depreciation
Tangible fixed assets are stated at historical cost less accumulated depreciation and any impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.
Depreciation is charged to profit or loss over the estimated useful economic lives as follows -

Fixtures & Fittings | 25% on the reducing balance basis
Computer Equipment | 25% on the reducing balance basis

The assets’ residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.
Repairs and maintenance costs are charged to profit or loss during the period in which they are incurred.
Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.
At each reporting date the company assesses whether there is any indication of impairment. If such indication exists, the recoverable amount of the asset is determined, which is the higher of its fair value less costs to sell and its value in use. Any impairment loss is recognised immediately as an expense within the profit or loss.
2.5. Leasing and Hire Purchase Contracts
Leases in which the company assumes substantially all the risks and rewards of ownership of the leased asset are classified as finance leases. All other leases are classified as operating leases.
Payments (excluding costs for services and insurance) made under operating leases are recognised in the profit and loss account on a straight-line basis over the term of the lease unless the payments to the lessor are structured to increase in line with expected general inflation; in which case the payments related to the structured increases are recognised as incurred. Lease incentives received are recognised in profit and loss over the term of the lease an an integral part of the total lease expenses.
2.6. Financial Instruments
Trade and other debtors / creditors
Trade and other debtors are recognised initially at transaction prices less attributable transaction costs. Trade and other creditors are recognised initially at transaction price plus attributable transaction costs. Subsequent to initial recognition they are measured at amortised cost using the effective interest method, less any impairment losses in the case of trade debtors. If the arrangement constitutes a financing transaction, for example if payment is deferred beyond normal business terms, then it is measured at the present value of future payments discounted at a market rate of interest for a similar debt instrument.
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Page 4
Coleshill Mortgage Services Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2026
2.7. Foreign Currencies
Monetary assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at the balance sheet date. Transactions in foreign currencies are translated into sterling at the rate ruling on the date of the transaction. Exchange differences are taken into account in arriving at the operating profit.
2.8. Taxation
Income tax expense represents the sum of the tax currently payable and deferred tax.
The tax currently payable is based on taxable profit for the year. Taxable profit differs from profit as reported in the statement of comprehensive income because of items of income or expense that are taxable or deductible in other years and items that are never taxable or deductible. The company's liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the end of the reporting period.
Deferred tax is recognised on timing differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. Deferred tax liabilities are generally recognised for all taxable timing differences. Deferred tax assets are generally recognised for all deductible temporary differences to the extent that it is probable that taxable profits will be available against which those deductible timing differences can be utilised. The carrying amount of deferred tax assets is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.
Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realised, based on tax rates (and tax laws) that have been enacted or substantively enacted by the end of the reporting period. Deferred tax liabilities are presented within provisions for liabilities and deferred tax assets within debtors. The measurement of deferred tax liabilities and assets reflect the tax consequences that would follow from the manner in which the Company expects, at the end of the reporting period, to recover or settle the carrying amount of its assets and liabilities.
Current and deferred tax are recognised in profit or loss for the year, except when they relate to items that are recognised in other comprehensive income or directly in equity, in which case current and deferred tax are recognised in other comprehensive income or directly in equity respectively.
2.9. Pensions
The company operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the company pays fixed contributions in a separate entity. Once the contributions have been paid the company has no further payment obligations. The contributions are recognised as an expense in profit or loss in the periods during which services are rendered by employees.
2.10. Dividend
Equity dividends are recognised when they become legally payable. Interim equity dividends are recognised when paid. Final equity dividends are recognised when approved by the shareholders.
Dividends on shares recognised as liabilities are recognised as expenses and are classified within interest payable.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 5 (2025: 5)
5 5
4. Tangible Assets

| Fixtures & Fittings | Computer Equipment | Total
--- | --- | --- | ---
| £ | £ | £
Cost
As at 1 April 2025 | 10,705 | 6,281 | 16,986
Additions | - | 1,059 | 1,059
As at 31 March 2026 | 10,705 | 7,340 | 18,045
Depreciation
As at 1 April 2025 | 10,705 | 4,294 | 14,999
Provided during the period | - | 695 | 695
As at 31 March 2026 | 10,705 | 4,989 | 15,694

...CONTINUED
Page 4
Page 5
Coleshill Mortgage Services Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2026

Net Book Value
As at 31 March 2026 | - | 2,351 | 2,351
As at 1 April 2025 | - | 1,987 | 1,987

5. Debtors

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Due within one year
Trade debtors | - |  | 6,738
Prepayments and accrued income | 2,903 |  | -
Other debtors | 116 |  | 7,500
Other taxes and social security | 1,206 |  | 1,295
Directors' loan accounts | 4,626 |  | -
| 8,851 |  | 15,533

6. Creditors: Amounts Falling Due Within One Year

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Trade creditors | - |  | 144
Bank loans and overdrafts | 1,408 |  | 8,000
Corporation tax | 26,152 |  | 22,877
Other creditors | - |  | 161
Accruals and deferred income | 900 |  | 1,850
Directors' loan accounts | 9,202 |  | 5,146
| 37,662 |  | 38,178

The company operates a defined contribution pension scheme for employees. The assets of the scheme are held separately from those of the company in an independently administered fund. At the balance sheet date unpaid contributions amounting to £nil (2025 : £161) were due to the fund and included in Other Creditors.
7. Creditors: Amounts Falling Due After More Than One Year

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Bank loans | - |  | 1,769

8. Share Capital

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 112 |  | 112

Page 5
Page 6
Coleshill Mortgage Services Limited
Notes to the Financial Statements (continued)
For The Year Ended 31 March 2026
9. Other Commitments
The total of future minimum lease payments under non-cancellable operating leases are as following:

| 2026 |  | 2025
--- | --- | --- | ---
| £ |  | £
Not later than one year | 8,276 |  | 4,500
Later than one year and not later than five years | 6,923 |  | -
| 15,199 |  | 4,500

10. Directors Advances, Credits and Guarantees
Included within Debtors are the following loans to directors:

| As at 1 April 2025 | Amounts advanced | Amounts repaid | Amounts written off | As at 31 March 2026
--- | --- | --- | --- | --- | ---
| £ | £ | £ | £ | £
Mr Phillip Salinas | - | 4,626 | - | - | 4,626

The above loan is unsecured, interest free and repayable on demand.
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