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Registered number: 06007186









PANTERA CARPENTRY (SOUTH EAST) LIMITED









ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2025

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
COMPANY INFORMATION


Directors
R I Farquhar 
P J Mills 
M A Glendenning 
L J Hitchen 
K Ross 




Company secretary
R Farquhar



Registered number
06007186



Registered office
Empire House
Sunderland Quay

Rochester

Kent

ME2 4HN




Independent auditors
Barnes Roffe Audit Limited
Chartered Accountants & Statutory Auditor

Charles Lake House

Claire Causeway

Crossways Business Park

Dartford

Kent

DA2 6QA





 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 

CONTENTS



Page
Strategic report
 
1 - 2
Directors' report
 
3 - 4
Independent auditors' report
 
5 - 8
Statement of comprehensive income
 
9
Balance sheet
 
10
Statement of changes in equity
 
11
Notes to the financial statements
 
12 - 26

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025

Introduction
 
The directors present their strategic report for the year ended 31 December 2025.

Business review
 
The Company and Group continued to navigate challenging market conditions in 2025, particularly within the residential sector where getting paid on time and working within tight client budgets has been an issue. Pantera Carpentry had a high volume of work in 2025 due to winning new projects and delayed projects starting. Regrettably the tight margins and challenging projects has meant reduced margin and some disappointing results on some projects.  
The volume of residential work in London and the South East hit record lows in 2025 and whilst we were lucky to have a full order book winning new work for 2026 has been extremely difficult. It was predicted by many that 2026 would be the turning point and things would improve however delays with the Building Safety regulator, high interest rates, a lack of overseas sales, no help to buy and rising build cost have meant many schemes are not getting the greenlight and 2026 will be a very slow year. The business could see this reduction in workload and has taken quick action to reduce over heads by 25% as well as increasing estimating and looking for work in other sectors such as refurbishment and student accommodation.
Looking ahead, 2027 and 2028 are shaping up to be particularly active years in London. Early-stage projects indicate a significant increase in market activity, and we are positioning the business to take advantage of this anticipated demand. The caveat to this is global ad economic events as we reported the same optimism in 2024.
The continued expansion of our fellow subsidiary, PG Doors ("PGD"), has been a key part of our growth strategy. PGD supplies high-quality, competitively priced joinery products directly to our sites and is now a critical part of our operational model. PGD had a bumper 2025 contributing well to group profits, however, like Pantera Carpentry 2026 will be a tougher year with reduced turnover and cuts needed.
Throughout the year, we have maintained strong relationships with our core clients, with much of our newly secured work awarded on the basis of previous performance. Our reputation across London and the South East remains a core asset, underpinning both current stability and future opportunity.

Page 1

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 

STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

Principal risks and uncertainties
 
Construction Industry Bias
The housebuilding sector continues to suffer from slow sales and constrained output, limiting available work and suppressing market rates. To mitigate this, the Group has increased its focus on the commercial and PRS markets, refurbishment and student accomadation, as well as self-supply and direct sales through PGD.
Market Volatility
Economic uncertainty and persistent inflation interest rate increases on mortages continue to affect planning confidence, input costs, and project viability across the sector. While we have offset some of this we remain exposed to margin pressures, particularly in the housebuilding segment.
Fluctuating Workload
Long-term contracts and shifts in planning legislation require close workload and capacity planning. Delays remain a regular occurrence in the industry; however, the Group has built flexibility into its delivery models and forecasts, which allows us to mitigate impact and maximise opportunity where programmes proceed as planned.
Competitor Activity
Competition in all market segments remains strong. Our emphasis on quality delivery, programme adherence, and client satisfaction continues to secure repeat business and protect market share.
Inflationary Pressures
Ongoing inflation and increased taxes has driven up the cost of labour, materials, and operational overheads. These pressures are managed closely through procurement strategies, project pricing discipline, and robust cost control across all departments.

Financial key performance indicators
 
                                                                 2025                2024
Turnover                                                   £22.97m          £17.38m
Gross Margin                                              11.2%               14.6%
Net Profit before tax                                    £560k               £518k
Net Current Assets                                     £1,128k            £1,344k
Net assets                                                 £1,108k            £1,346k

 


This report was approved by the board on 3 August 2026 and signed on its behalf.



P J Mills
Director
Page 2

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025

The directors present their report and the financial statements for the year ended 31 December 2025.

Directors' responsibilities statement

The directors are responsible for preparing the Strategic report, the Directors' report and the financial statements in accordance with applicable law and regulations.
 
Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the company and of the profit or loss of the company for that period.

 In preparing these financial statements, the directors are required to:


select suitable accounting policies for the company's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the company will continue in business.

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the company's transactions and disclose with reasonable accuracy at any time the financial position of the company and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Results and dividends

The profit for the year, after taxation, amounted to £393,746 (2024 - £367,931).

The company paid dividends of £631,125 (2024: £471,075) during the year. The company does not propose any
final dividend.

Directors

The directors who served during the year were:

R I Farquhar 
P J Mills 
M A Glendenning 
L J Hitchen 
K Ross 

Page 3

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025

Disclosure of information to auditors

Each of the persons who are directors at the time when this Directors' report is approved has confirmed that:
 
so far as the director is aware, there is no relevant audit information of which the company's auditors are unaware, and

the director has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the company's auditors are aware of that information.

Auditors

The auditorsBarnes Roffe Audit Limitedwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board on 3 August 2026 and signed on its behalf.
 





P J Mills
Director

Page 4

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANTERA CARPENTRY (SOUTH EAST) LIMITED
 

Opinion


We have audited the financial statements of Pantera Carpentry (South East) Limited (the 'company') for the year ended 31 December 2025, which comprise the Statement of comprehensive income, the Balance sheet, the Statement of changes in equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the company's affairs as at 31 December 2025 and of its profit for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.


Basis for opinion


We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.


Page 5

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANTERA CARPENTRY (SOUTH EAST) LIMITED (CONTINUED)


Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' report thereon. The directors are responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.


We have nothing to report in this regard.


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:


the information given in the Strategic report and the Directors' report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Strategic report and the Directors' report have been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception
 

In the light of the knowledge and understanding of the company and its environment obtained in the course of the audit, we have not identified material misstatements in the Strategic report or the Directors' report.


We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:


adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Responsibilities of directors
 

As explained more fully in the Directors' responsibilities statement set out on page 3, the directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.


In preparing the financial statements, the directors are responsible for assessing the company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the company or to cease operations, or have no realistic alternative but to do so.


Page 6

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANTERA CARPENTRY (SOUTH EAST) LIMITED (CONTINUED)


Auditors' responsibilities for the audit of the financial statements
 

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an Auditors' report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.


Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

• The engagement partner ensured that the engagement team collectively had the appropriate competence,  capabilities and skills to identify or recognise non-compliance with applicable laws and regulations;
• We identified the laws and regulations applicable to the company through discussion with directors and      other management, and from our commercial knowledge and experience of the construction sector in           which the company operates;
• We focused on specific laws and regulations which we considered may have a direct material effect on          the financial statements or the operations of the company, including tax legislation, health and safety and employment legislation, FRS 102 and the Companies Act 2006;
• We assessed the extent of compliance with the laws and regulations identified above through making    enquiries of management, reviewing board minutes, relevant correspondence and certificates held; and
• Laws and regulations were communicated within the audit team at the planning meeting, and during the       audit as any further laws and regulation were identified. The audit team remained alert to instances of non compliance throughout the audit.
We assessed the susceptibility of the company’s financial statements to material misstatement, including obtaining an understanding of how fraud might occur by:
• Making enquires of management and the board as to where they consider there was susceptibility to fraud along with their knowledge of actual, suspected and alleged fraud;
• Considering the internal controls in place to mitigate risks of fraud and non-compliance with laws and regulations; and
• Our review of financial statements and testing the disclosures against supporting documentation.                  
To address the risk of fraud through management bias and override of controls we:
• Performed analytical procedures to identify any unusual or unexpected trends or anomalies;
• Inspected and tested journal entries to identify unusual or unexpected transactions;
• Assessed whether judgement and assumptions made in determining significant accounting estimates,    including amounts recoverable on long term contracts, work in progress and the useful economic life of     tangible fixed assets, were indicative of management bias; and
• Investigated the rationale behind significant transactions, or transactions that are unusual or outside the company’s usual course of business.
Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.

Page 7

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF PANTERA CARPENTRY (SOUTH EAST) LIMITED (CONTINUED)



A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditors' report.


Use of our report
 

This report is made solely to the company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the company's members those matters we are required to state to them in an Auditors' report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the company and the company's members, as a body, for our audit work, for this report, or for the opinions we have formed.





Ben Bradley (Senior statutory auditor)
for and on behalf of
Barnes Roffe Audit Limited
Chartered Accountants
Statutory Auditor
Charles Lake House
Claire Causeway
Crossways Business Park
Dartford
Kent
DA2 6QA

4 August 2026
Page 8

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2025

2025
2024
Note
£
£

  

Turnover
 4 
22,769,642
17,376,028

Cost of sales
  
(20,209,840)
(14,846,104)

Gross profit
  
2,559,802
2,529,924

Administrative expenses
  
(2,061,013)
(2,108,370)

Other operating income
 5 
70,988
104,276

Operating profit
 6 
569,777
525,830

Interest receivable and similar income
  
54
15

Interest payable and similar expenses
  
(9,494)
(7,523)

Profit before tax
  
560,337
518,322

Tax on profit
 10 
(166,591)
(150,391)

Profit for the financial year
  
393,746
367,931

There were no recognised gains and losses for 2025 or 2024 other than those included in the statement of comprehensive income.

There was no other comprehensive income for 2025 (2024:£NIL).

The notes on pages 12 to 26 form part of these financial statements.
Page 9

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
REGISTERED NUMBER: 06007186

BALANCE SHEET
AS AT 31 DECEMBER 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 12 
96,910
133,855

Current assets
  

Stocks
 13 
11,425
11,425

Debtors
 14 
5,052,466
5,033,080

Cash at bank and in hand
 15 
101,057
31,080

  
5,164,948
5,075,585

Creditors: amounts falling due within one year
 16 
(4,037,356)
(3,730,982)

Net current assets
  
 
 
1,127,592
 
 
1,344,603

Total assets less current liabilities
  
1,224,502
1,478,458

Creditors: amounts falling due after more than one year
 17 
(92,755)
(100,142)

Provisions for liabilities
  

Deferred tax
  
(23,492)
(32,682)

Net assets
  
1,108,255
1,345,634


Capital and reserves
  

Called up share capital 
 20 
2,030
2,030

Capital redemption reserve
  
30
30

Profit and loss account
  
1,106,195
1,343,574

  
1,108,255
1,345,634


The financial statements were approved and authorised for issue by the board and were signed on its behalf by: 




P J Mills
Director

Date: 3 August 2026

Page 10

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 

STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2025


Called up share capital
Capital redemption reserve
Profit and loss account
Total equity

£
£
£
£

At 1 January 2025
2,030
30
1,343,574
1,345,634



Profit for the year
-
-
393,746
393,746

Dividends: Equity capital
-
-
(631,125)
(631,125)


At 31 December 2025
2,030
30
1,106,195
1,108,255


The notes on pages 12 to 26 form part of these financial statements.


STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Capital redemption reserve
Profit and loss account
Total equity

£
£
£
£

At 1 January 2024
2,030
30
1,446,718
1,448,778



Profit for the year
-
-
367,931
367,931

Dividends: Equity capital
-
-
(471,075)
(471,075)


At 31 December 2024
2,030
30
1,343,574
1,345,634


The notes on pages 12 to 26 form part of these financial statements.

Page 11

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

1.


General information

Pantera Carpentry (South East) Limited is a private company limited by shares and incorporated in England and Wales. The address of the registered office is Empire House, Sunderland Quay, Rochester, Kent, ME2 4HN. The principal activity of the company during the year has been that the supply of carpentry and joinery services to property developers and contractors.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires management to exercise judgment in applying the company's accounting policies (see note 3).

The following principal accounting policies have been applied:

 
2.2

Financial Reporting Standard 102 - reduced disclosure exemptions

The company has taken advantage of the following disclosure exemptions in preparing these financial statements, as permitted by the FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland":
the requirements of Section 7 Statement of Cash Flows;
the requirements of Section 3 Financial Statement Presentation paragraph 3.17(d);
the requirements of Section 33 Related Party Disclosures paragraph 33.7.

This information is included in the consolidated financial statements of Pantera Group Holdings Limited as at 31 December 2025 and these financial statements may be obtained from Companies House, Crown Way, Cardiff, CF14 3UZ.

  
2.3

Turnover

Turnover comprises revenue recognised by the company in respect of goods and services supplied    during the year, exclusive of Value Added Tax and trade discounts, and once the amount of revenue can be measured reliably and it is probable that the economic benefits associated with the transaction will flow to the company. Turnover from retentions are recognised as the contract progresses provided it is probable the company will receive payment.

  
2.4

Long-term contracts

Amounts recoverable on long-term contracts, which are included in debtors, are stated at net sales value of work done after provisions for contingencies and anticipated future losses on contracts, less amounts received as progress payments on account. Where such amounts have been received and exeed amounts recovered, the net amounts are included in creditors as payments on account.

Page 12

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.Accounting policies (continued)

 
2.5

Going concern

The company, and wider Pantera group, has seen challenging conditions in the residential construction sector that have delayed major house building projects in 2025 and this is expected to continue throughout 2026 and into 2027. In the medium and longer term the directors expect market conditions to improve and the company remains well placed to secure future contracts as market activity increases. However, the challenging market conditions have created cashflow challenges with significant retentions not yet due (collectable) from the work completed in 2025, and without the cash inflow in 2026 that a higher volume of new contracts would generate. So, while the company, and the group, remain profitable their cashflow forecasts indicate that further finance as well as support from existing creditors, including suppliers, HMRC and finance providers will be necessary during 2026 and into 2027 in order to trade through this challenging period. In addition to this the directors are taking steps to reduce the level of overheads (fixed costs), as well as implementing a detailed action plan across all areas of cash management including liaising with customers, suppliers and their finance providers.
As a result, the company and the group is currently in the process of working with finance providers, directors and shareholders, to secure the required short term and medium-term finance that is required. The directors are confident that the required facilities and investment will be secured in order that the company, and the group can meet obligations as they fall due and can continue trading. Therefore, the accounts have been prepared on a going concern basis.

 
2.6

Foreign currency translation

Functional and presentation currency

The company's functional and presentational currency is GBP.

Transactions and balances

Foreign currency transactions are translated into the functional currency using the spot exchange rates at the dates of the transactions.

At each period end foreign currency monetary items are translated using the closing rate. Non-monetary items measured at historical cost are translated using the exchange rate at the date of the transaction and non-monetary items measured at fair value are measured using the exchange rate when fair value was determined.

Foreign exchange gains and losses resulting from the settlement of transactions and from the translation at period-end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in profit or loss except when deferred in other comprehensive income as qualifying cash flow hedges.

Foreign exchange gains and losses that relate to borrowings and cash and cash equivalents are presented in the Statement of comprehensive income within 'finance income or costs'. All other foreign exchange gains and losses are presented in profit or loss within 'other operating income'.

Page 13

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.Accounting policies (continued)

 
2.7

Operating leases: the company as lessee

Rentals paid under operating leases are charged to profit or loss on a straight-line basis over the lease term.

Benefits received and receivable as an incentive to sign an operating lease are recognised on a straight-line basis over the lease term, unless another systematic basis is representative of the time pattern of the lessee's benefit from the use of the leased asset.

  
2.8

Leasing and hire purchase

Assets obtained under hire purchase contracts and finance leases are capitalised as tangible fixed assets. Assets acquired by finance lease are depreciated over the shorter of the lease term and their useful lives. Assets acquired by hire purchase are depreciated over their useful lives. Finance leases are those where substantially all of the benefits and risks of ownership are assumed by the company. Obligations under such agreements are included in creditors net of the finance charge allocated to future periods. The finance element of the rental payment is charged to profit or loss so as to produce a constant periodic rate of charge on the net obligation outstanding in each period.

 
2.9

Government grants

Grants are accounted under the accruals model as permitted by FRS 102. Grants relating to expenditure on tangible fixed assets are credited to profit or loss at the same rate as the depreciation on the assets to which the grant relates. The deferred element of grants is included in creditors as deferred income.
Grants of a revenue nature are recognised in the Statement of comprehensive income in the same period as the related expenditure.

 
2.10

Interest income

Interest income is recognised in profit or loss using the effective interest method.

 
2.11

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

 
2.12

Borrowing costs

All borrowing costs are recognised in profit or loss in the year in which they are incurred.

Page 14

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.Accounting policies (continued)

 
2.13

Pensions

Defined contribution pension plan

The company operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the company pays fixed contributions into a separate entity. Once the contributions have been paid the company has no further payment obligations.

The contributions are recognised as an expense in profit or loss when they fall due. Amounts not paid are shown in accruals as a liability in the Balance sheet. The assets of the plan are held separately from the company in independently administered funds.

 
2.14

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the balance sheet date in the countries where the company operates and generates income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the balance sheet date, except that:
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits; and
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the balance sheet date.


 
2.15

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Page 15

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.Accounting policies (continued)


2.15
Tangible fixed assets (continued)

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, on the following bases.


Plant and machinery
-
25% straight line
Motor vehicles
-
25% straight line
Fixtures and fittings
-
25% straight line
Computer equipment
-
50% straight line
Leasehold improvement
-
Straight line over the lease term

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.

 
2.16

Stocks & work in progress

Stocks are stated at the lower of cost and net realisable value, being the estimated selling price less costs to complete and sell. Cost is based on the cost of purchase on a first in, first out basis. Work in progress and finished goods include labour and attributable overheads.

At each balance sheet date, stocks are assessed for impairment. If stock is impaired, the carrying amount is reduced to its selling price less costs to complete and sell. The impairment loss is recognised immediately in profit or loss.

 
2.17

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

 
2.18

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.

 
2.19

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

Page 16

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.Accounting policies (continued)

 
2.20

Provisions for liabilities

Provisions are recognised when an event has taken place that gives rise to a legal or constructive obligation, a transfer of economic benefits is probable and a reliable estimate can be made.
Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
 
Increases in provisions are generally charged as an expense to profit or loss.

 
2.21

Financial instruments

The company has elected to apply the provisions of Section 11 “Basic Financial Instruments” of FRS 102 to all of its financial instruments.

Basic financial assets

Basic financial assets, which include trade and other debtors, cash and bank balances, are initially measured at their transaction price (adjusted for transaction costs except in the initial measurement of financial assets that are subsequently measured at fair value through profit and loss) and are subsequently carried at their amortised cost using the effective interest method, less any provision for impairment, unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest.

Discounting is omitted where the effect of discounting is immaterial. The company's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

Basic financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the company after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans and other loans are initially measured at their transaction price (adjusting for transaction costs except in the initial measurement of financial liabilities that are subsequently measured at fair value through profit and loss). When this constitutes a financing transaction, whereby the debt instrument is measured at the present value of the future payments discounted at a market rate of interest, discounting is omitted where the effect of discounting is immaterial.

Debt instruments are subsequently carried at their amortised cost using the effective interest rate method.

Trade creditors are obligations to pay for goods and services that have been acquired in the ordinary course of business from suppliers. Trade creditors are classified as current liabilities if the payment is due within one year. If not, they represent non-current liabilities. Trade creditors are initially recognised at their transaction price and subsequently are measured at amortised cost using the effective interest method. Discounting is omitted where the effect of discounting is immaterial.

Page 17

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

2.Accounting policies (continued)

 
2.22

Dividends

Equity dividends are recognised when they become legally payable. Interim equity dividends are recognised when paid. Final equity dividends are recognised when approved by the shareholders at an annual general meeting.


3.


Judgments in applying accounting policies and key sources of estimation uncertainty

a) Critical judgements in applying the company's accounting policies
No significant judgements have had to be made by the company in preparing these financial statements.
b) Key accounting estimates and assumptions
The company has made key assumptions regarding the useful economic life of tangible fixed assets and
this is further described in note 2.14.
The company holds a significant amount of work in progress on long term contracts and the accounting policy is further described in note 2.4. As part of this the company has made key assumptions regarding the stage of completion, future costs to complete and collectability of billings of work in progress. The amount receivable from customers on such work in progress at the end of the reporting period has been calculated at £3,412,025 
(2024: £3,404,377), and this is included in amounts recoverable on long term contracts within debtors. In addition, where the amounts received from customers exceeds the work in progress valuation these amounts are included in payments received on account within creditors and amounts to £nil (2024: £nil) at the end of the reporting period.


4.


Turnover

The whole of the turnover is attributable to the principal business activity as disclosed in note 1.

All turnover arose within the United Kingdom.


5.


Other operating income

2025
2024
£
£

Other operating income
17,349
5,000

CITB training grants
18,284
26,782

Suppliers rebate
12,507
9,522

Profit on disposal of tangible fixed assets
-
4,167

Management fee receivable
22,848
58,805

70,988
104,276


Page 18

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

6.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Depreciation of tangible fixed assets
82,411
129,441

Other operating lease rentals
42,271
47,238


7.


Auditors' remuneration

During the year, the company obtained the following services from the company's auditors:


2025
2024
£
£

Auditors' remuneration
15,000
14,250

The company has taken advantage of the exemption not to disclose amounts paid for non-audit services as these are disclosed in the consolidated accounts of the parent company.


8.


Employees

2025
2024
£
£

Wages and salaries
1,455,488
1,569,762

Social security costs
160,120
160,039

Cost of defined contribution scheme
47,741
60,794

1,663,349
1,790,595


The average monthly number of employees, including the directors, during the year was as follows:


        2025
        2024
            No.
            No.







Employees
41
43

Page 19

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

9.


Directors' remuneration

2025
2024
£
£

Directors' emoluments
329,530
343,603

Company contributions to defined contribution pension schemes
23,879
23,869

353,409
367,472


During the year retirement benefits were accruing to 5 directors (2024 - 5) in respect of defined contribution pension schemes.

The highest paid director received remuneration of £101,838 (2024 - £157,302).

The value of the company's contributions paid to a defined contribution pension scheme in respect of the highest paid director amounted to £2,565 (2024 - £2,688).


10.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
174,390
184,612

Adjustments in respect of previous periods
1,391
-


Total current tax
175,781
184,612

Deferred tax


Origination and reversal of timing differences
(9,190)
(34,221)

Total deferred tax
(9,190)
(34,221)


166,591
150,391
Page 20

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
 
10.Taxation (continued)


Factors affecting tax charge for the year

The tax assessed for the year is higher than (2024 - higher than) the standard rate of corporation tax in the UK of 25% (2024 - 25%). The differences are explained below:

2025
2024
£
£


Profit on ordinary activities before tax
560,337
518,322


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 25%)
140,084
129,581

Effects of:


Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
25,277
19,932

Capital allowances for year in excess of depreciation
9,029
35,099

Deferred tax
(9,190)
(34,221)

Adjustments to tax charge in respect of prior periods
1,391
-

Total tax charge for the year
166,591
150,391


Factors that may affect future tax charges

There were no factors that may affect future tax charges.


11.


Dividends

2025
2024
£
£


Dividends - Equity
631,125
471,075

631,125
471,075

Page 21

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

12.


Tangible fixed assets


Plant and machinery
Motor vehicles
Fixtures and fittings
Office equipment
Leasehold improvements
Total

£
£
£
£
£
£



Cost or valuation


At 1 January 2025
10,394
315,823
189,320
297,044
30,828
843,409


Additions
37,866
-
-
7,600
-
45,466



At 31 December 2025

48,260
315,823
189,320
304,644
30,828
888,875



Depreciation


At 1 January 2025
10,151
211,106
164,539
292,930
30,828
709,554


Charge for the year on owned assets
4,169
207
17,576
4,908
-
26,860


Charge for the year on financed assets
-
55,551
-
-
-
55,551



At 31 December 2025

14,320
266,864
182,115
297,838
30,828
791,965



Net book value



At 31 December 2025
33,940
48,959
7,205
6,806
-
96,910



At 31 December 2024
243
104,717
24,781
4,114
-
133,855


13.


Stocks

2025
2024
£
£

Raw materials and consumables
11,425
11,425

11,425
11,425



14.


Debtors

2025
2024
£
£

Due after more than one year

Amounts owed by group undertakings
300,593
326,593

Trade debtors
114,856
142,091
Page 22

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

14.Debtors (continued)


415,449
468,684

Due within one year

Trade debtors
282,225
94,072

Amounts owed by group undertakings
-
5,459

Other debtors
856,787
905,420

Prepayments and accrued income
85,980
155,068

Amounts recoverable on long-term contracts
3,412,025
3,404,377

5,052,466
5,033,080



15.


Cash and cash equivalents

2025
2024
£
£

Cash at bank and in hand
101,057
31,080

Less: bank overdrafts
(571,806)
(271,221)

(470,749)
(240,141)



16.


Creditors: Amounts falling due within one year

2025
2024
£
£

Bank overdrafts
571,806
271,221

Trade creditors
2,225,540
2,225,329

Amounts owed to group undertakings
338,920
8,737

Corporation tax
128,140
183,672

Other taxation and social security
64,112
51,976

Obligations under finance lease and hire purchase contracts
45,784
46,435

Other creditors
80,705
61,999

Accruals and deferred income
582,349
881,613

4,037,356
3,730,982


Bank overdrafts consist of an invoice discounting facility.This is secured by way of a fixed charge over book debts and certain assets and a floating charge over other assets of the Company. There is also a cross charge over the assets of a related company, Empire House Limited.

Page 23

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

17.


Creditors: Amounts falling due after more than one year

2025
2024
£
£

Net obligations under finance leases and hire purchase contracts
92,755
100,142

92,755
100,142



18.


Hire purchase and finance leases


Minimum lease payments under hire purchase fall due as follows:

2025
2024
£
£


Within one year
52,012
46,435

Between 1-5 years
74,100
39,753

Over 5 years
12,427
60,389

138,539
146,577

Net obligations under finance leases and hire purchase contracts are secured on the assets to which they relate.
Page 24

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

19.


Deferred taxation




2025
2024


£

£






At beginning of year
(32,682)
(66,903)


Charged to profit or loss
9,190
34,221



At end of year
(23,492)
(32,682)

The provision for deferred taxation is made up as follows:

2025
2024
£
£


Accelerated capital allowances
(23,492)
(32,682)

(23,492)
(32,682)


20.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



100,000 (2024 - 100,000) Ordinary A share shares of £0.01 each
1,000
1,000
83,160 (2024 - 83,160) Ordinary C share shares of £0.01 each
832
832
16,840 (2024 - 16,840) Ordinary D share shares of £0.01 each
168
168
10 (2024 - 10) Ordinary E share shares of £1.00 each
10
10
10 (2024 - 10) Ordinary H share shares of £1.00 each
10
10
10 (2024 - 10) Ordinary J share shares of £1.00 each
10
10

2,030

2,030



21.


Contingent liabilities

A guarantee exists in favour of the company's bankers to cover bank borrowings of Empire House (Rochester) Limited, a company under common control. At 31 December 2025 the net potential exposure in respect of this guarantee was £568,910 (2024: £576,654). This figure is in respect of gross borrowing and does not take into account the underlying assets of Empire House (Rochester) Limited.

Page 25

 
PANTERA CARPENTRY (SOUTH EAST) LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025

22.


Pension commitments

The company operates a defined contribution pension scheme. The assets of the scheme are held separately from those of the company in an independently administered fund. The amount of pension contributions outstanding at the year end amounted to £3,505 (2024: £7,941).


23.


Commitments under operating leases

At 31 December 2025 the company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:

2025
2024
£
£


Not later than 1 year
106,000
106,000

Later than 1 year and not later than 5 years
173,583
279,583

279,583
385,583


24.


Related party transactions

The directors have an interest in dividends paid during the year of £62,531 (2024: £87,269).
Included within other debtors due within one year are amounts due from the directors of £297,429 
(2024: £396,861).
Included within other debtors due within one year are amounts due from Empire House (Rochester) Limited, a company under common control, amounting to £14,695 (
2024: £16,090).


25.


Controlling party

As at 31 December 2025, the parent company was Pantera Group Limited, a company incorporated in England and Wales. Pantera Group Holdings Limited, a company incorporated in England and Wales, is the ultimate parent company. Pantera Group Holdings Limited produces financial statements incorporating the results of Pantera Carpentry (South East) Limited which can be obtained from Companies House.
 
Page 26