09472980falseinsurance brokers2025-04-012026-03-31http://www.companieshouse.gov.uk/2025-03-31http://www.companieshouse.gov.uk/pt:ShareCapital2025-03-31http://www.companieshouse.gov.uk/cd:Director12025-04-012026-03-31http://www.companieshouse.gov.uk/pt:ShareCapital2026-03-31http://www.companieshouse.gov.uk/cd:Director22025-04-012026-03-31http://www.companieshouse.gov.uk/cd:Director32025-04-012026-03-31http://www.companieshouse.gov.uk/pt:ToolsEquipment2025-03-31http://www.companieshouse.gov.uk/cd:OrdinaryShareClass12025-04-012026-03-31http://www.companieshouse.gov.uk/pt:ToolsEquipment2026-03-31http://www.companieshouse.gov.uk/cd:RegisteredOffice2025-04-012026-03-31http://www.companieshouse.gov.uk/cd:OrdinaryShareClass22025-04-012026-03-31http://www.companieshouse.gov.uk/cd:OrdinaryShareClass32025-04-012026-03-31http://www.companieshouse.gov.uk/cd:AuditExemptWithAccountantsReport2025-04-012026-03-31http://www.companieshouse.gov.uk/cd:OrdinaryShareClass42025-04-012026-03-31http://www.companieshouse.gov.uk/cd:OrdinaryShareClass52025-04-012026-03-31http://www.companieshouse.gov.uk/pt:CurrentFinancialInstruments2026-03-31http://www.companieshouse.gov.uk/pt:CurrentFinancialInstruments2025-03-31http://www.companieshouse.gov.uk/2025-04-012026-03-31http://www.companieshouse.gov.uk/2025-03-31http://www.companieshouse.gov.uk/cd:FRS1022025-04-012026-03-31http://www.companieshouse.gov.uk/2026-03-31http://www.companieshouse.gov.uk/cd:FullAccounts2025-04-012026-03-31http://www.companieshouse.gov.uk/cd:PrivateLimitedCompanyLtd2025-04-012026-03-31iso4217:GBPxbrli:sharesxbrli:pure
Registered number: 09472980
J & V Risk Solutions Ltd
ACCOUNTS
FOR THE YEAR ENDED 31/03/2026
Prepared By:
N B Lancaster & Co
Chartered Accountants
6 Brunswick Street
Carlisle
Cumbria
CA1 1PN
J & V Risk Solutions Ltd
ACCOUNTS
FOR THE YEAR ENDED 31/03/2026
DIRECTORS
Mr. J P Pieri
Mrs. V Pieri
Mr. J Pieri (appointed 01/10/2025)
REGISTERED OFFICE
Pacific House
Parkhouse
Carlisle
Cumbria
CA3 0LJ
COMPANY DETAILS
Private company limited by shares registered in EW - England and Wales, registered number 09472980
ACCOUNTANTS
N B Lancaster & Co
Chartered Accountants
6 Brunswick Street
Carlisle
Cumbria
CA1 1PN
J & V Risk Solutions Ltd
ACCOUNTS
FOR THEYEARENDED31/03/2026
CONTENTS
Page
Directors' Report-
Accountants' Report-
Statement Of Comprehensive Income-
Balance Sheet3
Notes To The Accounts4
The following do not form part of the statutory financial statements:
Trading And Profit And Loss Account-
Profit And Loss Account Summaries-
J & V Risk Solutions Ltd
BALANCE SHEET AT 31/03/2026
20262025
Notes££
FIXED ASSETS
Tangible assets31,6082,345
CURRENT ASSETS
Debtors4554,328407,360
Cash at bank and in hand199,301184,727
753,629592,087
CREDITORS: Amounts falling due within one year5449,554383,486
NET CURRENT ASSETS304,075208,601
TOTAL ASSETS LESS CURRENT LIABILITIES305,683210,946
CREDITORS: Amounts falling due after more than one year6-1,816
PROVISIONS FOR LIABILITIES AND CHARGES7402498
NET ASSETS305,281208,632
CAPITAL AND RESERVES
Called up share capital85,0005,000
Profit and loss account300,281203,632
SHAREHOLDERS' FUNDS305,281208,632
For the year ending 31/03/2026 the company was entitled to exemption 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 directors have decided not to deliver to the registrar a copy of the company's profit and loss account.
Approved by the board on 31/07/2026 and signed on their behalf by
.............................
Mr. J P Pieri
Director
J & V Risk Solutions Ltd
NOTES TO THE ACCOUNTS
FOR THE YEAR ENDED 31/03/2026
1. ACCOUNTING POLICIES
1a. Basis Of Accounting
The accounts have been prepared under the historical cost convention.
The accounts have been prepared in accordance with FRS102 section 1A - The Financial Reporting Standard applicable in the UK and Republic of Ireland and the Companies Act 2006 .
1b. Depreciation
Depreciation has been provided at the following rates in order to write off the assets over their estimated useful lives.
Equipment 25%
1c. Pension Costs
The company operates a defined contribution pension scheme. The pension charge represents the amounts payable by the company to the fund in respect of the year.
2. EMPLOYEES
20262025
No.No.
Average number of employees44
J & V Risk Solutions Ltd
3. TANGIBLE FIXED ASSETS
EquipmentTotal
££
Cost
At 01/04/20255,4965,496
At 31/03/20265,4965,496
Depreciation
At 01/04/20253,1513,151
For the year737737
At 31/03/20263,8883,888
Net Book Amounts
At 31/03/20261,6081,608
At 31/03/20252,3452,345
4. DEBTORS 20262025
££
Amounts falling due within one year
Trade debtors187,39792,500
Other debtors2,4201,990
Prepayments-1,927
Recoverable taxes77,82177,821
Directors current account - JP & V Pieri286,690233,122
554,328407,360
5. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
20262025
££
UK corporation tax81,784110,938
Other taxes and social security4,4193,336
Bank loans2,50010,080
Trade creditors336,875233,331
Other creditors22,05623,771
Accruals1,9202,030
449,554383,486
J & V Risk Solutions Ltd
6. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
20262025
££
Bank loans (secured) >1yr-1,816
-1,816
7. PROVISIONS FOR LIABILITIES 20262025
££
Deferred taxation402498
402498
8. SHARE CAPITAL 20262025
££
Allotted, issued and fully paid:
4900 Ordinary shares of £1 each49004900
25 A Ordinary of £1 each2525
25 B Ordinary of £1 each2525
25 C Ordinary of £1 each2525
25 D Ordinary of £1 each2525
5,0005,000
9. RELATED PARTY TRANSACTIONS
Two directors received salaries of £12,570 each during the year (2025 - £12,380 total).
Dividends of £92,000 were paid to two directors during the year (2025 - £98,500).
At the balance sheet date two directors owed the company £286,690 (2025 - £233,122). The loan is unsecured, interest free and repayable on demand.
10. TRANSACTIONS WITH DIRECTORS
At 1st April 2025 two directors owed the company £233,122. Further net advances totalling £53,568 were made during the year and £286,690 remains outstanding at the balance sheet date.
The loan is unsecured, interest free and repayable on demand.