IRIS Accounts Production v26.1.10.61 12404344 director 1.2.25 31.1.26 31.1.26 false true false false true false A Ordinary shares 1.00000 B Ordinary shares 1.00000 iso4217:GBP iso4217:USD iso4217:EUR xbrli:shares xbrli:pure utr:tonnes utr:kWh 12404344 2025-01-31 12404344 2026-01-31 12404344 2025-02-01 2026-01-31 12404344 2024-01-31 12404344 2024-02-01 2025-01-31 12404344 2025-01-31 12404344 ns15:EnglandWales 2025-02-01 2026-01-31 12404344 ns14:PoundSterling 2025-02-01 2026-01-31 12404344 ns10:Director1 2025-02-01 2026-01-31 12404344 ns10:PrivateLimitedCompanyLtd 2025-02-01 2026-01-31 12404344 ns10:SmallEntities 2025-02-01 2026-01-31 12404344 ns10:AuditExempt-NoAccountantsReport 2025-02-01 2026-01-31 12404344 ns10:SmallCompaniesRegimeForDirectorsReport 2025-02-01 2026-01-31 12404344 ns10:SmallCompaniesRegimeForAccounts 2025-02-01 2026-01-31 12404344 ns10:FullAccounts 2025-02-01 2026-01-31 12404344 ns10:OrdinaryShareClass1 2025-02-01 2026-01-31 12404344 ns10:OrdinaryShareClass2 2025-02-01 2026-01-31 12404344 ns10:RegisteredOffice 2025-02-01 2026-01-31 12404344 ns5:CurrentFinancialInstruments 2026-01-31 12404344 ns5:CurrentFinancialInstruments 2025-01-31 12404344 ns5:Non-currentFinancialInstruments 2026-01-31 12404344 ns5:Non-currentFinancialInstruments 2025-01-31 12404344 ns5:ShareCapital 2026-01-31 12404344 ns5:ShareCapital 2025-01-31 12404344 ns5:RetainedEarningsAccumulatedLosses 2026-01-31 12404344 ns5:RetainedEarningsAccumulatedLosses 2025-01-31 12404344 ns5:FurnitureFittings 2025-02-01 2026-01-31 12404344 ns5:MotorVehicles 2025-02-01 2026-01-31 12404344 ns5:ComputerEquipment 2025-02-01 2026-01-31 12404344 ns5:FurnitureFittings 2025-01-31 12404344 ns5:MotorVehicles 2025-01-31 12404344 ns5:ComputerEquipment 2025-01-31 12404344 ns5:FurnitureFittings 2026-01-31 12404344 ns5:MotorVehicles 2026-01-31 12404344 ns5:ComputerEquipment 2026-01-31 12404344 ns5:FurnitureFittings 2025-01-31 12404344 ns5:MotorVehicles 2025-01-31 12404344 ns5:ComputerEquipment 2025-01-31 12404344 ns5:WithinOneYear ns5:CurrentFinancialInstruments 2026-01-31 12404344 ns5:WithinOneYear ns5:CurrentFinancialInstruments 2025-01-31 12404344 ns5:DeferredTaxation 2025-01-31 12404344 ns5:DeferredTaxation 2025-02-01 2026-01-31 12404344 ns5:DeferredTaxation 2026-01-31 12404344 ns10:OrdinaryShareClass1 2026-01-31 12404344 ns10:OrdinaryShareClass2 2026-01-31 12404344 ns10:Director1 1 2025-01-31 12404344 ns10:Director1 1 2024-01-31 12404344 ns10:Director1 1 2025-02-01 2026-01-31 12404344 ns10:Director1 1 2024-02-01 2025-01-31 12404344 ns10:Director1 1 2026-01-31 12404344 ns10:Director1 1 2025-01-31

REGISTERED NUMBER: 12404344 (England and Wales)

Unaudited Financial Statements for the Year Ended 31 January 2026

for

Just Financial Group NW Ltd

| Just Financial Group NW Ltd (Registered number: 12404344) |

Contents of the Financial Statements

for the Year Ended 31 January 2026

Page |

| Company Information | 1 |

| Statement of Financial Position | 2 |

| Notes to the Financial Statements | 4 |

| Just Financial Group NW Ltd |

Company Information

for the Year Ended 31 January 2026

| Director: | L C Spain

| Registered office: | Ty Bryn

| Ruthin Road

| Gwernymynydd

| Mold

| Flintshire

| CH7 5LQ

| Registered number: | 12404344 (England and Wales)

| Accountants: | Ellis & Co

| Chartered Accountants

| 114-120 Northgate Street

| Chester

| CH1 2HT

| Just Financial Group NW Ltd (Registered number: 12404344) |

Statement of Financial Position

31 January 2026

| 31/1/26 | 31/1/25 |

| Notes | £ | £ | £ | £ |

Fixed assets

Tangible assets | 4 | 24,018 |  | 37,005 |  |

Current assets

Debtors | 5 | 869 |  | - |  |

Cash at bank | 58,100 |  | 88,019 |  |

58,969 |  | 88,019 |  |

Creditors

Amounts falling due within one year | 6 | 48,072 |  | 37,791 |  |

Net current assets | 10,897 |  | 50,228 |  |

Total assets less current liabilities | 34,915 |  | 87,233 |  |

Creditors

Amounts falling due after more than one year | 7 | - |  | (45,187 | ) |

Provisions for liabilities | 9 | (6,005 | ) | (9,252 | ) |

Net assets | 28,910 |  | 32,794 |  |

Capital and reserves

Called up share capital | 10 | 100 |  | 100 |  |

Retained earnings | 28,810 |  | 32,694 |  |

Shareholders' funds | 28,910 |  | 32,794 |  |

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 director acknowledges her 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.

| Just Financial Group NW Ltd (Registered number: 12404344) |

Statement of Financial Position - continued

31 January 2026

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 Statement of Income and Retained Earnings has not been delivered.

The financial statements were approved by the director and authorised for issue on 10 August 2026 and were signed by:

L C Spain - Director

| Just Financial Group NW Ltd (Registered number: 12404344) |

Notes to the Financial Statements

for the Year Ended 31 January 2026

1. | Statutory information

| Just Financial Group NW Ltd 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.

| Revenue from the rendering of services is measured by reference to the stage of completion of the service transaction at the end of the reporting period provided that the outcome can be reliably estimated. When the outcome cannot be reliably estimated, revenue is recognised only to the extent that expenses recognised are recoverable.

| Tangible fixed assets

| Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

| Fixtures and fittings | - | 20% on cost

| Motor vehicles | - | 20% on cost

| Computer equipment | - | 33% on cost

| Taxation

| Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and Retained Earnings, 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 statement of financial position date.

| Deferred tax

| Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the statement of financial position 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.

| Just Financial Group NW Ltd (Registered number: 12404344) |

Notes to the Financial Statements - continued

for the Year Ended 31 January 2026

2. | Accounting policies - continued

| Hire purchase and leasing commitments

| Assets obtained under hire purchase contracts and finance leases are capitalised as tangible assets and depreciated over their useful lives. Obligations under such agreements are included in creditors net of the finance charge allocated to future periods. Finance charges are allocated to each period so as to produce a constant rate of interest on the remaining balance of the liability.

| Rentals payable under operating leases are charged against income on a straight line basis over the lease term.

3. | Employees and directors

| The average number of employees during the year was 2 (2025 - 2 ) .

4. | Tangible fixed assets

| Fixtures |

| and |  | Motor |  | Computer |

| fittings |  | vehicles |  | equipment |  | Totals

£ | £ | £ | £ |

| Cost

| At 1 February 2025 | 909 |  | 91,254 |  | 4,874 |  | 97,037 |  |

| Additions | 6,984 |  | - |  | - |  | 6,984 |  |

| Disposals | - |  | - |  | (1,097 | ) | (1,097 | ) |

| At 31 January 2026 | 7,893 |  | 91,254 |  | 3,777 |  | 102,924 |  |

| Depreciation

| At 1 February 2025 | 546 |  | 54,753 |  | 4,733 |  | 60,032 |  |

| Charge for year | 1,579 |  | 18,251 |  | 141 |  | 19,971 |  |

| Eliminated on disposal | - |  | - |  | (1,097 | ) | (1,097 | ) |

| At 31 January 2026 | 2,125 |  | 73,004 |  | 3,777 |  | 78,906 |  |

| Net book value

| At 31 January 2026 | 5,768 |  | 18,250 |  | - |  | 24,018 |  |

| At 31 January 2025 | 363 |  | 36,501 |  | 141 |  | 37,005 |  |

5. | Debtors: amounts falling due within one year |

| 31/1/26 |  | 31/1/25

£ | £ |

| Other debtors | 869 |  | - |  |

| Just Financial Group NW Ltd (Registered number: 12404344) |

Notes to the Financial Statements - continued

for the Year Ended 31 January 2026

6. | Creditors: amounts falling due within one year |

| 31/1/26 |  | 31/1/25

£ | £ |

| Hire purchase contracts | 45,187 |  | 11,132 |  |

| Taxation and social security | 197 |  | 21,713 |  |

| Other creditors | 2,688 |  | 4,946 |  |

48,072 |  | 37,791 |  |

7. | Creditors: amounts falling due after more than one year |

| 31/1/26 |  | 31/1/25

£ | £ |

| Hire purchase contracts | - |  | 45,187 |  |

8. | Secured debts

| The following secured debts are included within creditors:

| 31/1/26 |  | 31/1/25

£ | £ |

| Hire purchase contracts | 45,187 |  | 56,319 |  |

9. | Provisions for liabilities

| 31/1/26 |  | 31/1/25

£ | £ |

| Deferred tax | 6,005 |  | 9,252 |  |

| Deferred |

| tax |

£ |

| Balance at 1 February 2025 | 9,252 |  |

| Credit to Statement of Income and Retained Earnings during year | (3,247 | ) |

| Balance at 31 January 2026 | 6,005 |  |

10. | Called up share capital

| Allotted, issued and fully paid:

| Number: | Class: | Nominal | 31/1/26 |  | 31/1/25

| value: | £ | £ |

| 99 | A Ordinary shares | £1 | 99 |  | 99 |  |

| 1 | B Ordinary shares | £1 | 1 |  | 1 |  |

100 |  | 100 |  |

| Just Financial Group NW Ltd (Registered number: 12404344) |

Notes to the Financial Statements - continued

for the Year Ended 31 January 2026

11. | Director's advances, credits and guarantees

| The following advances and credits to a director subsisted during the years ended 31 January 2026 and 31 January 2025:

| 31/1/26 |  | 31/1/25

£ | £ |

| L C Spain

| Balance outstanding at start of year | - |  | - |  |

| Amounts advanced | 1,172 |  | - |  |

| Amounts repaid | (911 | ) | - |  |

| Amounts written off | - |  | - |  |

| Amounts waived | - |  | - |  |

| Balance outstanding at end of year | 261 |  | - |  |

| The maximum overdrawn balance during the year was £1,172. These loans are unsecured, interest-free and repayable on demand.

12. | Lease commitments

| At 31 January 2026 the company had commitments under non-cancellable operating leases over the remaining life of these leases of £11,367 (2025 - £23,766). The amount payable within one year in respect of these leases was £11,367 (2025 - £12,400).