Acorah Software Products - Accounts Production 19.3.550 false true 31 October 2024 1 November 2023 false 1 November 2024 31 October 2025 31 October 2025 08735826 Laurence Sanderson Anna Sanderson iso4217:GBP iso4217:EUR iso4217:USD xbrli:shares xbrli:pure xbrli:pure 08735826 2024-10-31 08735826 2025-10-31 08735826 2024-11-01 2025-10-31 08735826 frs-core:CurrentFinancialInstruments 2025-10-31 08735826 frs-core:Non-currentFinancialInstruments 2025-10-31 08735826 frs-core:BetweenOneFiveYears 2025-10-31 08735826 frs-core:MotorVehicles 2025-10-31 08735826 frs-core:MotorVehicles 2024-11-01 2025-10-31 08735826 frs-core:MotorVehicles 2024-10-31 08735826 frs-core:PlantMachinery 2025-10-31 08735826 frs-core:PlantMachinery 2024-11-01 2025-10-31 08735826 frs-core:PlantMachinery 2024-10-31 08735826 frs-core:WithinOneYear 2025-10-31 08735826 frs-core:ShareCapital 2025-10-31 08735826 frs-core:RetainedEarningsAccumulatedLosses 2025-10-31 08735826 frs-bus:PrivateLimitedCompanyLtd 2024-11-01 2025-10-31 08735826 frs-bus:FilletedAccounts 2024-11-01 2025-10-31 08735826 frs-bus:SmallEntities 2024-11-01 2025-10-31 08735826 frs-bus:AuditExempt-NoAccountantsReport 2024-11-01 2025-10-31 08735826 frs-bus:SmallCompaniesRegimeForAccounts 2024-11-01 2025-10-31 08735826 frs-bus:Director1 2024-11-01 2025-10-31 08735826 frs-bus:Director2 2024-11-01 2025-10-31 08735826 frs-countries:EnglandWales 2024-11-01 2025-10-31 08735826 2023-10-31 08735826 2024-10-31 08735826 2023-11-01 2024-10-31 08735826 frs-core:CurrentFinancialInstruments 2024-10-31 08735826 frs-core:Non-currentFinancialInstruments 2024-10-31 08735826 frs-core:BetweenOneFiveYears 2024-10-31 08735826 frs-core:WithinOneYear 2024-10-31 08735826 frs-core:ShareCapital 2024-10-31 08735826 frs-core:RetainedEarningsAccumulatedLosses 2024-10-31
Registered number: 08735826
M & I Financial Consultants Ltd
Financial Statements
For The Year Ended 31 October 2025
Hill Wooldridge Accountants Ltd
Chartered Certified Accountants
55 Crown Street
Brentwood
Essex
CM14 4BD
M & I Financial Consultants Ltd
Contents
Contents

| Page
--- | ---
Balance Sheet | 1—2
Notes to the Financial Statements | 3—5

Page 1
M & I Financial Consultants Ltd
Balance Sheet
As At 31 October 2025
Balance Sheet
Registered number: 08735826

| 2025 | 2024
--- | --- | ---
| Notes | £ | £ | £ | £
FIXED ASSETS
Tangible Assets | 4 |  | 65,810 |  | 57,935
|  |  | 65,810 |  | 57,935
CURRENT ASSETS
Debtors | 5 | 1,523 |  | 2,284 |
Cash at bank and in hand |  | 117,403 |  | 86,269 |
|  | 118,926 |  | 88,553 |
Creditors: Amounts Falling Due Within One Year | 6 | (82,854 ) |  | (87,582 ) |
NET CURRENT ASSETS (LIABILITIES) |  |  | 36,072 |  | 971
TOTAL ASSETS LESS CURRENT LIABILITIES |  |  | 101,882 |  | 58,906
Creditors: Amounts Falling Due After More Than One Year | 7 |  | (49,837 ) |  | (50,632 )
NET ASSETS |  |  | 52,045 |  | 8,274
CAPITAL AND RESERVES
Called up share capital | 9 |  | 100 |  | 100
Profit and Loss Account |  |  | 51,945 |  | 8,174
SHAREHOLDERS' FUNDS |  |  | 52,045 |  | 8,274

Page 1
Page 2
M & I Financial Consultants Ltd
Balance Sheet (continued)
As At 31 October 2025
For the year ending 31 October 2025 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

Laurence Sanderson Director
30th April 2026

The notes on pages 3 to 5 form part of these financial statements.
Page 2
Page 3
M & I Financial Consultants Ltd
Notes to the Financial Statements
For The Year Ended 31 October 2025
Notes to the Financial Statements
1. General Information
M & I Financial Consultants Ltd is a private company, limited by shares, incorporated in England & Wales, registered number 08735826 . The registered office is 55 Crown Street, Brentwood, Essex, CM14 4BD.
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. Turnover
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. Turnover is reduced for estimated customer returns, rebates and other similar allowances.
Sale of goods
Turnover from the sale of goods is recognised when the significant risks and rewards of ownership of the goods has transferred to the buyer. This is usually at the point that the customer has signed for the delivery of the goods.
Rendering of services
Turnover from the rendering of services is recognised by reference to the stage of completion of the contract. The stage of completion of a contract is measured by comparing the costs incurred for work performed to date to the total estimated contract costs. Turnover is only recognised to the extent of recoverable expenses when the outcome of a contract cannot be estimated reliably.
2.3. Tangible Fixed Assets and Depreciation
Tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. Depreciation is provided at rates calculated to write off the cost of the fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Plant & Machinery | 33% of cost per year
Motor Vehicles | 20% of written down value per year

2.4. Leasing and Hire Purchase Contracts
Assets obtained under finance leases are capitalised as tangible fixed assets. Assets acquired under finance leases are depreciated over the shorter of the lease term and their useful lives. Assets acquired under hire purchase contracts are depreciated over their useful lives. Finance leases are those where substantially all of the benefits and risks of ownership are assumed by the company. Obligations under such agreements are included in the creditors net of the finance charge allocated to future periods. The finance element of the rental payment is charged to the profit and loss account so as to produce a constant periodic rate of charge on the net obligation outstanding in each period.
Rentals applicable to operating leases where substantially all of the benefits and risks of ownership remain with the lessor are charged to the profit and loss account as incurred.
Page 3
Page 4
M & I Financial Consultants Ltd
Notes to the Financial Statements (continued)
For The Year Ended 31 October 2025
2.5. Taxation
Income tax expense represents the sum of the tax currently payable.
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 year 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.
3. Average Number of Employees
Average number of employees, including directors, during the year was: 3 (2024: 3)
3 3
4. Tangible Assets

| Plant & Machinery | Motor Vehicles | Total
--- | --- | --- | ---
| £ | £ | £
Cost
As at 1 November 2024 | 31,609 | 131,560 | 163,169
Additions | 6,331 | 50,190 | 56,521
Disposals | - | (54,990 ) | (54,990 )
As at 31 October 2025 | 37,940 | 126,760 | 164,700
Depreciation
As at 1 November 2024 | 26,919 | 78,315 | 105,234
Provided during the period | 5,435 | 15,056 | 20,491
Disposals | - | (26,835 ) | (26,835 )
As at 31 October 2025 | 32,354 | 66,536 | 98,890
Net Book Value
As at 31 October 2025 | 5,586 | 60,224 | 65,810
As at 1 November 2024 | 4,690 | 53,245 | 57,935

5. Debtors

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Due within one year
Prepayments and accrued income | 1,523 |  | 2,284

Page 4
Page 5
M & I Financial Consultants Ltd
Notes to the Financial Statements (continued)
For The Year Ended 31 October 2025
6. Creditors: Amounts Falling Due Within One Year

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Net obligations under finance lease and hire purchase contracts | 12,591 |  | 8,349
Bank loans and overdrafts | 5,698 |  | 9,577
Other loans | 1,824 |  | -
Corporation tax | 57,722 |  | 64,115
Other taxes and social security | 138 |  | 105
Net wages | - |  | 2,489
Credit card | 879 |  | 712
Accruals and deferred income | 3,173 |  | 2,097
Directors' loan accounts | 829 |  | 138
| 82,854 |  | 87,582

7. Creditors: Amounts Falling Due After More Than One Year

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Net obligations under finance lease and hire purchase contracts | 49,837 |  | 44,934
Bank loans | - |  | 5,698
| 49,837 |  | 50,632

8. Obligations Under Finance Leases and Hire Purchase

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
The future minimum finance lease payments are as follows:
Not later than one year | 12,591 |  | 8,349
Later than one year and not later than five years | 49,837 |  | 44,934
| 62,428 |  | 53,283
| 62,428 |  | 53,283

9. Share Capital

| 2025 |  | 2024
--- | --- | --- | ---
| £ |  | £
Allotted, Called up and fully paid | 100 |  | 100

Page 5