REGISTERED NUMBER: 06044280 (England and Wales)

Financial Statements for the Year Ended 31 January 2026

for

Saywards Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

DIRECTORS:

M J Sayward

Mrs F A Sayward

Mrs F A Sayward

SECRETARY:

M J Sayward

REGISTERED OFFICE:

Brooklyn House

Whilton Locks

Whilton

Daventry

Northamptonshire

NN11 2NH

REGISTERED NUMBER:

06044280 (England and Wales)

ACCOUNTANTS:

Geoff Cowley & Co Ltd

Willow Park

Upton Lane

Stoke Golding

Nuneaton

Warwickshire

CV13 6EU

FIXED ASSETS

Tangible assets

4

59,532

62,908

CURRENT ASSETS

Stocks

3,367

2,293

Debtors

5

1,644

9,079

Cash at bank and in hand

89,335

76,216

94,346

87,588

CREDITORS

Amounts falling due within one year

6

33,675

24,151

NET CURRENT ASSETS

60,671

63,437

TOTAL ASSETS LESS CURRENT LIABILITIES

120,203

126,345

CREDITORS

Amounts falling due after more than one year

7

(8,060

)

(11,284

)

PROVISIONS FOR LIABILITIES

(8,921

)

(11,460

)

NET ASSETS

103,222

103,601

CAPITAL AND RESERVES

Called up share capital

100

100

Retained earnings

103,122

103,501

SHAREHOLDERS' FUNDS

103,222

103,601

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 January 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 January 2026 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for:

(a)	ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b)

preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each 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.

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 Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 13 July 2026 and were signed on its behalf by:

M J Sayward - Director

1.	STATUTORY INFORMATION

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

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 historical cost convention.

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.

Plant and machinery

-

15% on reducing balance

Motor vehicles

-

25% on reducing balance

Stocks

Stocks are valued at the lower of cost and net realisable value, after making due allowance for obsolete and slow moving items.

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.

Hire purchase and leasing commitments

Assets obtained under hire purchase contracts or finance leases are capitalised in the balance sheet. Those held under hire purchase contracts are depreciated over their estimated useful lives. Those held under finance leases are depreciated over their estimated useful lives or the lease term, whichever is the shorter.

The interest element of these obligations is charged to profit or loss over the relevant period. The capital element of the future payments is treated as a liability.

Rentals paid under operating leases are charged to profit or loss on a straight line basis over the period of the lease.

Pension costs and other post-retirement benefits

The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 4 (2025 - 3 ) .

4.	TANGIBLE FIXED ASSETS

Fixtures

Freehold

Plant and

and

property

machinery

fittings

£

£

£

COST

At 1 February 2025

1,133

59,037

958

Additions

-

-

-

Disposals

-

-

-

At 31 January 2026

1,133

59,037

958

DEPRECIATION

At 1 February 2025

-

30,274

554

Charge for year

-

4,331

101

Eliminated on disposal

-

-

-

At 31 January 2026

-

34,605

655

NET BOOK VALUE

At 31 January 2026

1,133

24,432

303

At 31 January 2025

1,133

28,763

404

Motor

Computer

vehicles

equipment

Totals

£

£

£

COST

At 1 February 2025

56,760

1,927

119,815

Additions

12,750

-

12,750

Disposals

(2,000

)

-

(2,000

)

At 31 January 2026

67,510

1,927

130,565

DEPRECIATION

At 1 February 2025

24,610

1,469

56,907

Charge for year

11,105

114

15,651

Eliminated on disposal

(1,525

)

-

(1,525

)

At 31 January 2026

34,190

1,583

71,033

NET BOOK VALUE

At 31 January 2026

33,320

344

59,532

At 31 January 2025

32,150

458

62,908

Fixed assets, included in the above, which are held under hire purchase contracts are as follows:

Motor

vehicles

£

COST

At 1 February 2025

and 31 January 2026

33,460

DEPRECIATION

At 1 February 2025

8,365

Charge for year

6,273

At 31 January 2026

14,638

NET BOOK VALUE

At 31 January 2026

18,822

At 31 January 2025

25,095

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.1.26

31.1.25

£

£

Trade debtors

729

7,872

Other debtors

915

1,207

1,644

9,079

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.1.26

31.1.25

£

£

Hire purchase contracts

3,224

3,224

Trade creditors

8,261

3,727

Taxation and social security

8,353

3,802

Other creditors

13,837

13,398

33,675

24,151

7.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

31.1.26

31.1.25

£

£

Hire purchase contracts

8,060

11,284