WORD ON THE STREET GROUP LTD


Directors	Jasmine Louisa Ough
	Michael Paul Street


Registered Address	Cheadle Place
	Stockport Road
	Cheadle
	SK8 2JX


Registered Number	13546084 (England and Wales)

Balance Sheet as at
30 June 2026

	Notes	2026		2025
		£	£	£	£
Fixed assets
Investments	3		1,001		3
			1,001		3
Current assets
Debtors	4	343,177		162,449
Current asset investments	5	9,000		-
Cash at bank and on hand		20,461		14,104
		372,638		176,553
Creditors amounts falling due within one year	6	-		(3)
Net current assets (liabilities)			372,638		176,550
Total assets less current liabilities			373,639		176,553
Net assets			373,639		176,553
Capital and reserves
Called up share capital			4		2
Profit and loss account			373,635		176,551
Shareholders' funds			373,639		176,553

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 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 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 Board of Directors on 31 July 2026, and are signed on its behalf by:

Jasmine Louisa Ough
Director

Michael Paul Street
Director

Registered Company No. 13546084

WORD ON THE STREET GROUP LTD

Notes to the Financial Statements
for the year ended 30 June 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.

	Statement of compliance
	The financial statements have been prepared in accordance with the Companies Act 2006 and FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland including Section 1A Small Entities.

	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).

	Functional and presentation currency
	The financial statements are presented in sterling and this is the functional currency of the company.

	Going concern
	After reviewing the company's forecasts and projections, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. The company therefore continues to adopt the going concern basis of accounting in preparing its financial statements.

	Interest income
	Interest income is recognised using the effective interest rate method.

	Dividend income
	Dividend income is recognised when the right to receive payment is established.

	Foreign currency translation
	Transactions in foreign currencies are initially recognised at the rate of exchange ruling at the date of the transaction. At the end of each reporting period foreign currency monetary items are translated at the closing rate of exchange. Non-monetary items that are measured at historical cost are translated at the rate ruling at the date of the transaction. All differences are charged to profit or loss.

Foreign currency translation

Transactions in foreign currencies are initially recognised at the rate of exchange ruling at the date of the transaction. At the end of each reporting period foreign currency monetary items are translated at the closing rate of exchange. Non-monetary items that are measured at historical cost are translated at the rate ruling at the date of the transaction. All differences are charged to profit or loss.

	Investments
	Investments in subsidiaries, associates and joint ventures are measured at cost less any accumulated impairment losses. Listed investments are measured at fair value where the difference between cost and fair value is material. Unlisted investments are measured at fair value unless the value cannot be measured reliably, in which case they are measured at cost less any accumulated impairment losses. Changes in fair value are included in the profit and loss account.

Investments

Investments in subsidiaries, associates and joint ventures are measured at cost less any accumulated impairment losses. Listed investments are measured at fair value where the difference between cost and fair value is material. Unlisted investments are measured at fair value unless the value cannot be measured reliably, in which case they are measured at cost less any accumulated impairment losses. Changes in fair value are included in the profit and loss account.

	Cash and cash equivalents
	Cash and cash equivalents comprise cash at bank and on hand, demand deposits with banks and other short-term highly liquid investments with original maturities of three months or less. Bank overdrafts are disclosed separately. For the purpose of the cash flow statement, bank overdrafts form an integral part of the company's cash management and are included as a component of cash and cash equivalents.

Cash and cash equivalents

Cash and cash equivalents comprise cash at bank and on hand, demand deposits with banks and other short-term highly liquid investments with original maturities of three months or less.

Bank overdrafts are disclosed separately. For the purpose of the cash flow statement, bank overdrafts form an integral part of the company's cash management and are included as a component of cash and cash equivalents.

	Share capital
	Ordinary shares are classified as equity. Incremental costs directly attributable to the issue of new ordinary shares or options are shown in equity as a deduction, net of tax, from the proceeds.

	Related parties
	For the purposes of these financial statements, a related party could be a person or an entity. Careful consideration is given to the definition of a related party to ensure that all related party relationships, transactions and balances are identified.

2.	Average number of employees


		2026		2025
	Average number of employees during the year	2		2

3.	Fixed asset investments
	Subsidiary undertakings: Word on the Street Financial Solutions Ltd The principal activity of Word on the Street Financial Solutions Ltd is Activities of mortgage finance companies. Word on the Street Estates & Lettings Ltd The principal activity of Word on the Street Estates & Lettings Ltd is Other letting and operating of own or leased real estate. Word on the Street Properties Ltd The principal activity of Word on the Street Properties Ltd is the purchase and let of residential property.

Fixed asset investments

Subsidiary undertakings:

Word on the Street Financial Solutions Ltd

The principal activity of Word on the Street Financial Solutions Ltd is Activities of mortgage finance companies.

Word on the Street Estates & Lettings Ltd
The principal activity of Word on the Street Estates & Lettings Ltd is Other letting and operating of own or leased real estate.

Word on the Street Properties Ltd
The principal activity of Word on the Street Properties Ltd is the purchase and let of residential property.

	Investments in groups¹	Total
	£	£
Cost or valuation
At 01 July 25	3	3
Additions	998	998
At 30 June 26	1,001	1,001
Net book value
At 30 June 26	1,001	1,001
At 30 June 25	3	3

	Notes
	¹Investments in group undertakings and participating interests

4.	Debtors: amounts due within one year

	2026	2025
	£	£
Amounts owed by group undertakings	343,177	162,449
Total	343,177	162,449

5.	Current asset investments

6.	Creditors: amounts due within one year

	2026	2025
	£	£
Other creditors	-	3
Total	-	3

7.	Share capital
	2 Ordinary share class 1 of £1 each 1 Ordinary A share class 1 of £1 each 1 Ordinary B share class 1 of £1 each

8.	Related party transactions
	During the year the company provided interest-free loans to Hatters Square Limited. The total value of the loans outstanding at 30 June 2026 was £182,014 (2025 - £43,586). During the year the company provided interest-free loans to Congleton SPV Limited. The total loans outstanding at 30 June 2026 was £42,300 (2025 - £Nil). During the year the company provided interest-free loans to Word on the Street Properties Ltd, which is wholly owned by Word on the Street Group Ltd. The total loans outstanding at 30 June 2026 was £118,863 (2025 - £118,863).

Related party transactions

During the year the company provided interest-free loans to Hatters Square Limited. The total value of the loans outstanding at 30 June 2026 was £182,014 (2025 - £43,586).

During the year the company provided interest-free loans to Congleton SPV Limited. The total loans outstanding at 30 June 2026 was £42,300 (2025 - £Nil).

During the year the company provided interest-free loans to Word on the Street Properties Ltd, which is wholly owned by Word on the Street Group Ltd. The total loans outstanding at 30 June 2026 was £118,863 (2025 - £118,863).

9.	Parent-subsidiary relationships
	Details of the investments (including principal place of business of unincorporated entities) in which the company holds 20% or more of the nominal value of any class of share capital are as follows: Word on the Street Properties Ltd: 100% shareholding Principal activity: The principal activity of Word on the Street Properties Ltd is Property Acquisition. Word on the Street Financial Solutions Ltd: 100% shareholding Principal activity: The principal activity of Word on the Street Financial Solutions Ltd is Activities of mortgage finance companies. Word on the Street Estates & Lettings Ltd: 100% shareholding Principal activity: The principal activity of Word on the Street Financial Solutions Ltd is Other letting and operating of own or leased real estate.

Parent-subsidiary relationships

Details of the investments (including principal place of business of unincorporated entities) in which the company holds 20% or more of the nominal value of any class of share capital are as follows:

Word on the Street Properties Ltd: 100% shareholding
Principal activity: The principal activity of Word on the Street Properties Ltd is Property Acquisition.

Word on the Street Financial Solutions Ltd: 100% shareholding
Principal activity: The principal activity of Word on the Street Financial Solutions Ltd is Activities of mortgage finance companies.

Word on the Street Estates & Lettings Ltd: 100% shareholding
Principal activity: The principal activity of Word on the Street Financial Solutions Ltd is Other letting and operating of own or leased real estate.