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Company Registration No. 03545136 (England and Wales)
Richard Jacobs Pensions Ltd Unaudited accounts for the year ended 31 May 2026
Richard Jacobs Pensions Ltd Unaudited accounts Contents
Page
Company information
3
Statement of financial position
4
Notes to the accounts
5
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Richard Jacobs Pensions Ltd Company Information for the year ended 31 May 2026
Directors
K Barnard E J Small
Company Number
03545136 (England and Wales)
Registered Office
13 Brindley Court Dalewood Road Lymedale Business Park Newcastle under Lyme Staffordshire ST5 9QA United Kingdom
Accountants
Thursfields Accountancy Limited Business Lodge, Trent House 234 Victoria Road Stoke-on-Trent Staffordshire ST4 2LW
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Richard Jacobs Pensions Ltd Statement of financial position as at 31 May 2026
2026
2025
Notes
£
£
Fixed assets
Tangible assets
4
101
133
Investment property
5
127,000
120,750
127,101
120,883
Current assets
Debtors
6
1,316
24,570
Cash at bank and in hand
45,375
4,342
46,691
28,912
Creditors: amounts falling due within one year
7
(16,593)
(95,382)
Net current assets/(liabilities)
30,098
(66,470)
Total assets less current liabilities
157,199
54,413
Creditors: amounts falling due after more than one year
8
(82,883)
-
Provisions for liabilities
Deferred tax
(1,384)
-
Net assets
72,932
54,413
Capital and reserves
Called up share capital
9
60
60
Capital redemption reserve
40
40
Profit and loss account
72,832
54,313
Shareholders' funds
72,932
54,413
For the year ending 31 May 2026 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 and in accordance with the provisions of FRS 102 Section 1A - Small Entities. The profit and loss account has not been delivered to the Registrar of Companies.
The financial statements were approved by the Board of Directors and authorised for issue on 24 July 2026 and were signed on its behalf by
K Barnard Director Company Registration No. 03545136
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Richard Jacobs Pensions Ltd Notes to the Accounts for the year ended 31 May 2026
1
Statutory information
Richard Jacobs Pensions Ltd is a private company, limited by shares, registered in England and Wales, registration number 03545136. The registered office is 13 Brindley Court, Dalewood Road, Lymedale Business Park, Newcastle under Lyme, Staffordshire, ST5 9QA, United Kingdom.
2
Compliance with accounting standards
The accounts have been prepared in accordance with the provisions of FRS 102 Section 1A Small Entities. There were no material departures from that standard.
3
Accounting policies
The principal accounting policies adopted in the preparation of the financial statements are set out below and have remained unchanged from the previous year, and also have been consistently applied within the same accounts.
Basis of preparation
The accounts have been prepared under the historical cost convention as modified by the revaluation of certain fixed assets.
Presentation currency
The accounts are presented in £ sterling.
Turnover
Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. Turnover from the sale of goods is recognised when goods have been delivered to customers such that risks and rewards of ownership have transferred to them. 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.
Tangible fixed assets and depreciation
Tangible assets are included at cost less depreciation and impairment. Depreciation has been provided at the following rates in order to write off the assets over their estimated useful lives:
Fixtures & fittings
25% reducing balance
Investment property
Investment property is included at market fair value. Gains are recognised in the income statement. Deferred taxation is provided on these gains at the rate expected to apply when the property is sold.
Deferred taxation
Deferred tax arises as a result of including items of income and expenditure in taxation computations in periods different from those in which they are included in the company's accounts. Deferred tax is provided in full on timing differences which result in an obligation to pay more (or less) tax at a future date, at the average tax rates that are expected to apply when the timing differences reverse, based on current tax rates and laws. Deferred tax assets and liabilities are not discounted.
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Richard Jacobs Pensions Ltd Notes to the Accounts for the year ended 31 May 2026
4
Tangible fixed assets
Fixtures & fittings
£
Cost or valuation
At cost
At 1 June 2025
17,304
At 31 May 2026
17,304
Depreciation
At 1 June 2025
17,171
Charge for the year
32
At 31 May 2026
17,203
Net book value
At 31 May 2026
101
At 31 May 2025
133
5
Investment property
2026
£
Fair value at 1 June 2025
120,750
Net gain from fair value adjustments
6,250
At 31 May 2026
127,000
6
Debtors
2026
2025
£
£
Amounts falling due within one year
Trade debtors
120
23,180
Accrued income and prepayments
1,196
1,380
Other debtors
-
10
1,316
24,570
7
Creditors: amounts falling due within one year
2026
2025
£
£
Bank loans and overdrafts
1,682
85,284
VAT
5,699
695
Taxes and social security
3,530
4,619
Other creditors
4,001
4,002
Loans from directors
631
7
Accruals
1,050
775
16,593
95,382
Creditors include bank loans and overdrafts which are secures of £1,682. Aldermore Bank PLC registered a charge on 3 April 2025 against the property at 2 Rangemore Terrace.
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Richard Jacobs Pensions Ltd Notes to the Accounts for the year ended 31 May 2026
8
Creditors: amounts falling due after more than one year
2026
2025
£
£
Bank loans
82,883
-
Creditors include bank loans and overdrafts which are secures of £82,883. Aldermore Bank PLC registered a charge on 3 April 2025 against the property at 2 Rangemore Terrace.
9
Share capital
2026
2025
£
£
Allotted, called up and fully paid:
60 Ordinary shares of £1 each
60
60
10
Transactions with related parties
During the year income of £32,750 was received from Richard Jacobs Pensions and Trustee Services Limited, a company in which the directors have an interest.
11
Average number of employees
During the year the average number of employees was 2 (2025: 2).
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