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REGISTERED NUMBER: SC035902 (Scotland)















Unaudited Financial Statements for the Year Ended 31 October 2025

for

John R Graham Ltd

John R Graham Ltd (Registered number: SC035902)






Contents of the Financial Statements
for the Year Ended 31 October 2025




Page

Company Information 1

Balance Sheet 2

Notes to the Financial Statements 4


John R Graham Ltd

Company Information
for the Year Ended 31 October 2025







DIRECTORS: A R Graham
J A Graham
R J Graham





SECRETARY: J A Graham





REGISTERED OFFICE: Raecruick Farm
Auchtermuchty
Cupar
Fife
KY14 7ER





REGISTERED NUMBER: SC035902 (Scotland)





ACCOUNTANTS: Bell Barr & Company
Chartered Accountants
2 Stewart Street
Milngavie
Glasgow
G62 6BW

John R Graham Ltd (Registered number: SC035902)

Balance Sheet
31 October 2025

31.10.25 31.10.24
Notes £    £    £    £   
FIXED ASSETS
Intangible assets 4 - -
Tangible assets 5 21,568,324 21,731,271
Investment property 6 645,000 1,765,000
22,213,324 23,496,271

CURRENT ASSETS
Stocks 7 3,673,423 3,246,482
Debtors 8 5,010,381 1,566,098
Cash at bank and in hand 357,039 551,027
9,040,843 5,363,607
CREDITORS
Amounts falling due within one year 9 3,595,461 1,069,539
NET CURRENT ASSETS 5,445,382 4,294,068
TOTAL ASSETS LESS CURRENT
LIABILITIES

27,658,706

27,790,339

CREDITORS
Amounts falling due after more than one
year

10

(2,364,332

)

(4,328,636

)

PROVISIONS FOR LIABILITIES (985,387 ) (1,107,128 )
NET ASSETS 24,308,987 22,354,575

CAPITAL AND RESERVES
Called up share capital 100 100
Investment Property Fair value reserve 334,365 953,909
Retained earnings 23,974,522 21,400,566
SHAREHOLDERS' FUNDS 24,308,987 22,354,575

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 October 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 October 2025 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.

John R Graham Ltd (Registered number: SC035902)

Balance Sheet - continued
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.

The financial statements were approved by the Board of Directors and authorised for issue on 10 July 2026 and were signed on its behalf by:





J A Graham - Director


John R Graham Ltd (Registered number: SC035902)

Notes to the Financial Statements
for the Year Ended 31 October 2025

1. STATUTORY INFORMATION

John R Graham Ltd is a private company, limited by shares , registered in Scotland. 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 the provisions of Section 1A "Small Entities" of Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006. The financial statements have been prepared under the historical cost convention as modified by the revaluation of certain assets.

The directors have reviewed the company's operating costs for the next twelve months, and the sources of funds available, and are satisfied that the company is a going concern.

Accounting estimates
The preparation of financial statements in compliance with FRS 102 may require the use of certain critical accounting estimates. It also requires management to exercise judgement in applying the company's accounting policies. The directors are of the opinion that due to the nature of the business, there are no critical accounting estimates or judgements used in the preparation of these financial statements.

Turnover
Turnover represents the sales value of goods and services provided in the year, net of VAT where applicable, together with government subsidy income to which the company had earned a right to receive in the year under review.

Intangible assets
Basic payment entitlements acquired are capitalised as an intangible fixed asset and amortised over their useful life.

Tangible fixed assets
Depreciation is provided at the following annual rates in order to write off the cost less estimated residual value of each asset over its estimated useful life.
Freehold property - not provided
Leasehold Property - 10% on reducing balance
Improvements to property - 10% on reducing balance
Fixtures and fittings - 15% on reducing balance
Motor vehicles - 25% on reducing balance
Tractors and Implements - 20% on cost and 15% on reducing balance

Freehold Property includes farm land and buildings which have not been depreciated.

Investment properties
Investment properties are shown at most recent valuation. Any aggregate surplus or deficit arising from changes in fair value are recognised in profit or loss.

Stocks
Stocks are measured at the lower of cost and estimated selling price less costs to complete and sell. Cost includes all costs of purchase, costs of conversion and other costs incurred in bringing the stock to its present location and condition.

Financial instruments
The company only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value.


John R Graham Ltd (Registered number: SC035902)

Notes to the Financial Statements - continued
for the Year Ended 31 October 2025

2. ACCOUNTING POLICIES - continued
Taxation
Taxation for the year comprises current and deferred tax. 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 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.

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.

Cash at bank
Cash at bank and in hand included cash and short term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the account.

Provisions
Provisions are recognised when the entity has an obligation at the reporting date as a result of a past event, it is probable that the entity will be required to transfer economic benefits in settlement and the amount of the obligation can be estimated reliably. Provisions are recognised as a liability on the balance sheet and the amount of the provision as an expense.

Provisions are initially measured at the best estimate of the amount required to settle the obligation at the reporting date and subsequently reviewed at each reporting date and adjusted to reflect the current best estimate of the amount that would be required to settle the obligation. Any adjustments to the amounts previously recognised are recognised in profit or loss unless the provision was originally recognised as part of the cost of an asset.

When a provision is measured at the present value of the amount expected to be required to settle the obligation, the unwinding of the discount is recognised as a finance cost in profit or loss in the period it arises.

3. EMPLOYEES AND DIRECTORS

The average number of employees during the year was 12 (2024 - 12 ) .

John R Graham Ltd (Registered number: SC035902)

Notes to the Financial Statements - continued
for the Year Ended 31 October 2025

4. INTANGIBLE FIXED ASSETS
BPS
Entitlement
£   
COST
At 1 November 2024
and 31 October 2025 38,729
AMORTISATION
At 1 November 2024
and 31 October 2025 38,729
NET BOOK VALUE
At 31 October 2025 -
At 31 October 2024 -

5. TANGIBLE FIXED ASSETS
Improvements
Freehold Leasehold to
property Property property
£    £    £   
COST
At 1 November 2024 17,599,073 300,692 255,904
Additions - - -
Disposals - - -
At 31 October 2025 17,599,073 300,692 255,904
DEPRECIATION
At 1 November 2024 - 220,896 165,363
Charge for year - 7,979 9,054
Eliminated on disposal - - -
At 31 October 2025 - 228,875 174,417
NET BOOK VALUE
At 31 October 2025 17,599,073 71,817 81,487
At 31 October 2024 17,599,073 79,796 90,541

John R Graham Ltd (Registered number: SC035902)

Notes to the Financial Statements - continued
for the Year Ended 31 October 2025

5. TANGIBLE FIXED ASSETS - continued

Fixtures Tractors
and Motor and
fittings vehicles Implements Totals
£    £    £    £   
COST
At 1 November 2024 8,816 124,620 8,753,370 27,042,475
Additions - - 548,734 548,734
Disposals - - (77,920 ) (77,920 )
At 31 October 2025 8,816 124,620 9,224,184 27,513,289
DEPRECIATION
At 1 November 2024 7,992 61,657 4,855,296 5,311,204
Charge for year 123 15,741 664,946 697,843
Eliminated on disposal - - (64,082 ) (64,082 )
At 31 October 2025 8,115 77,398 5,456,160 5,944,965
NET BOOK VALUE
At 31 October 2025 701 47,222 3,768,024 21,568,324
At 31 October 2024 824 62,963 3,898,074 21,731,271

Freehold Property includes farm land and buildings which have not been depreciated.

6. INVESTMENT PROPERTY
Total
£   
FAIR VALUE
At 1 November 2024 1,765,000
Disposals (1,120,000 )
At 31 October 2025 645,000
NET BOOK VALUE
At 31 October 2025 645,000
At 31 October 2024 1,765,000

The directors have reviewed the value of investment properties and are satisfied that no revaluation adjustment is required this year.

7. STOCKS
31.10.25 31.10.24
£    £   
Stocks 3,673,423 3,246,482

John R Graham Ltd (Registered number: SC035902)

Notes to the Financial Statements - continued
for the Year Ended 31 October 2025

8. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.10.25 31.10.24
£    £   
Trade debtors 573,693 144,845
Other debtors 4,436,688 1,421,253
5,010,381 1,566,098

9. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.10.25 31.10.24
£    £   
Bank loans and overdrafts 2,586,702 451,700
Trade creditors 303,100 212,181
Taxation and social security 32,810 (167,287 )
Other creditors 672,849 572,945
3,595,461 1,069,539

10. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR
31.10.25 31.10.24
£    £   
Bank loans 2,052,000 3,964,249
Other creditors 312,332 364,387
2,364,332 4,328,636

Amounts falling due in more than five years:

Repayable by instalments
Bank loan over 5 years 2,052,000 2,934,845

11. SECURED DEBTS

The following secured debts are included within creditors:

31.10.25 31.10.24
£    £   
Bank loans 4,638,702 4,415,949

The bank overdraft is secured by a bond and floating charge over the assets of the company together with a standard security over land owned by the company.

The bank loans are secured by standard securities over land owned by the company.