Silverfin false false 30/11/2025 01/12/2024 30/11/2025 M P Thomas 29/07/2015 M D Thomas 22/08/2023 28 August 2026 The principal activity of the Company during the financial year was the letting of investment property. 09709441 2025-11-30 09709441 bus:Director1 2025-11-30 09709441 bus:Director2 2025-11-30 09709441 2024-11-30 09709441 core:CurrentFinancialInstruments 2025-11-30 09709441 core:CurrentFinancialInstruments 2024-11-30 09709441 core:Non-currentFinancialInstruments 2025-11-30 09709441 core:Non-currentFinancialInstruments 2024-11-30 09709441 core:ShareCapital 2025-11-30 09709441 core:ShareCapital 2024-11-30 09709441 core:FurtherSpecificReserve3ComponentTotalEquity 2025-11-30 09709441 core:FurtherSpecificReserve3ComponentTotalEquity 2024-11-30 09709441 core:RetainedEarningsAccumulatedLosses 2025-11-30 09709441 core:RetainedEarningsAccumulatedLosses 2024-11-30 09709441 core:FurtherRelatedPartyRelationshipType2ComponentAllOtherRelatedParties core:CurrentFinancialInstruments 2025-11-30 09709441 core:FurtherRelatedPartyRelationshipType2ComponentAllOtherRelatedParties core:CurrentFinancialInstruments 2024-11-30 09709441 core:CurrentFinancialInstruments 1 2025-11-30 09709441 core:CurrentFinancialInstruments 1 2024-11-30 09709441 core:Non-currentFinancialInstruments core:MoreThanFiveYears 2025-11-30 09709441 core:Non-currentFinancialInstruments core:MoreThanFiveYears 2024-11-30 09709441 2024-12-01 2025-11-30 09709441 bus:FilletedAccounts 2024-12-01 2025-11-30 09709441 bus:SmallEntities 2024-12-01 2025-11-30 09709441 bus:AuditExemptWithAccountantsReport 2024-12-01 2025-11-30 09709441 bus:PrivateLimitedCompanyLtd 2024-12-01 2025-11-30 09709441 bus:Director1 2024-12-01 2025-11-30 09709441 bus:Director2 2024-12-01 2025-11-30 09709441 2023-12-01 2024-11-30 09709441 core:Non-currentFinancialInstruments 2024-12-01 2025-11-30 09709441 1 2024-12-01 2025-11-30 iso4217:GBP xbrli:pure

Company No: 09709441 (England and Wales)

REFRESH LIVING NO.4 LIMITED

Unaudited Financial Statements
For the financial year ended 30 November 2025
Pages for filing with the registrar

REFRESH LIVING NO.4 LIMITED

Unaudited Financial Statements

For the financial year ended 30 November 2025

Contents

REFRESH LIVING NO.4 LIMITED

BALANCE SHEET

As at 30 November 2025
REFRESH LIVING NO.4 LIMITED

BALANCE SHEET (continued)

As at 30 November 2025
Note 2025 2024
£ £
Fixed assets
Investment property 3 9,188,451 8,645,000
9,188,451 8,645,000
Current assets
Debtors 4 260,592 70,933
Cash at bank and in hand 1,156 104
261,748 71,037
Creditors: amounts falling due within one year 5 ( 2,076,512) ( 1,386,974)
Net current liabilities (1,814,764) (1,315,937)
Total assets less current liabilities 7,373,687 7,329,063
Creditors: amounts falling due after more than one year 6 ( 6,391,124) ( 5,793,851)
Provision for liabilities ( 675,287) ( 675,287)
Net assets 307,276 859,925
Capital and reserves
Called-up share capital 100 100
Undistributable reserve 2,025,863 2,025,863
Profit and loss account ( 1,718,687 ) ( 1,166,038 )
Total shareholder's funds 307,276 859,925

For the financial year ending 30 November 2025 the Company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

The financial statements of Refresh Living No.4 Limited (registered number: 09709441) were approved and authorised for issue by the Board of Directors on 28 August 2026. They were signed on its behalf by:

M P Thomas
Director
REFRESH LIVING NO.4 LIMITED

NOTES TO THE FINANCIAL STATEMENTS

For the financial year ended 30 November 2025
REFRESH LIVING NO.4 LIMITED

NOTES TO THE FINANCIAL STATEMENTS

For the financial year ended 30 November 2025
1. Accounting policies

The principal accounting policies are summarised below. They have all been applied consistently throughout the financial year and to the preceding financial year, unless otherwise stated.

General information and basis of accounting

Refresh Living No.4 Limited (the Company) is a private company, limited by shares, incorporated in the United Kingdom under the Companies Act 2006 and is registered in England and Wales. The address of the Company's registered office is 40 Kingston House 1 Kingston Road, Taunton, TA2 7ED, United Kingdom.

The financial statements have been prepared under the historical cost convention, modified to include the revaluation of freehold properties and to include investment properties and certain items at fair value, and in accordance with Section 1A of Financial Reporting Standard 102 (FRS 102) ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland’ issued by the Financial Reporting Council and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime.

The financial statements are presented in pounds sterling which is the functional currency of the Company and rounded to the nearest £.

Going concern

The financial statements have been prepared on a going concern basis.
The Company has net current liabilities of £1,814,764 at the balance sheet date. Included within creditors are amounts of £282,132 owed to fellow group companies and £1,729,894 owed to companies under the control of M P Thomas (director).
The directors have received confirmation that these entities will continue to provide financial support and will not seek repayment of amounts owed where such repayment would jeopardise the Company's ability to continue trading for a period of at least twelve months from the date of approval of these financial statements.

Accordingly, the directors consider it appropriate to prepare the financial statements on the going concern basis.

Turnover

Turnover comprises the fair value of rent received or receivable for the letting of investment property in the period in which the tenant occupies the property.

Taxation


Deferred tax
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 financial statements. 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 tax rates and laws that have been enacted or substantively enacted by the Balance Sheet date that are expected to apply when the timing differences reverse. Deferred tax assets and liabilities are not discounted.

Deferred tax liabilities are presented within provisions for liabilities on the balance sheet.

Investment property

Investment property is initially recognised at cost, which includes the purchase cost and any directly attributable expenditure. Subsequently, it is measured at fair value through the profit or loss and then presented under undistributable reserves. Deferred taxation is provided on these gains at the rate expected to apply when the property is sold.

The fair value is determined annually by external valuers and derived from current market rent and investment property yields for comparable real estate, adjusted if necessary, for any difference in nature, location or condition of the specific property.

Trade and other debtors

Trade and other debtors are initially recognised at fair value and thereafter stated at amortised cost using the effective interest method less impairment losses for bad and doubtful debts, except where the effect of discounting would be immaterial. In such cases the receivables are stated at cost less impairment losses for bad and doubtful debts.

Cash and cash equivalents

Cash and cash equivalents are basic financial assets and include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in creditors: amounts falling due within one year.

Trade and other creditors

Trade and other creditors are initially recognised at fair value and thereafter stated at amortised cost using the effective interest rate method, unless the effect of discounting would be immaterial, in which case they are stated at cost. If there is an unconditional right to defer settlement for at least twelve months after the reporting date, they are presented as non-current liabilities.

Financial instruments

Financial assets and financial liabilities are recognised when the Company becomes a party to the contractual provisions of the instrument.

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 deducting all of its liabilities.

Financial assets and liabilities are only offset in the Balance Sheet when, and only when there exists a legally enforceable right to set off the recognised amounts and the Company intends either to settle on a net basis, or to realise the asset and settle the liability simultaneously.

Loans and borrowings
Interest-bearing borrowings are initially recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently carried at amortised cost, with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the Profit and Loss Account over the period of the relevant borrowing.
Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar charges.
Borrowings are classified as current liabilities unless the company has an unconditional right to defer settlement of the liability for at least twelve months after the reporting date.

Ordinary share capital

The ordinary share capital of the Company is presented as equity.

2. Employees

2025 2024
Number Number
Monthly average number of persons employed by the Company during the year, including directors 2 2

3. Investment property

Investment property
£
Valuation
As at 01 December 2024 8,645,000
Additions 543,451
As at 30 November 2025 9,188,451

Valuation

The value of investment property is derived from observable current market prices for comparable real estate
determined by the director's valuation. The assets have a current value of £9,188,451 (2024 - £8,645,000)

Historic cost

If the investment properties had been accounted for under the cost accounting rules, the properties would have been measured as follows:

2025 2024
£ £
Historic cost 6,487,301 5,943,850

4. Debtors

2025 2024
£ £
Trade debtors 0 360
Amounts owed by Group undertakings 1,790 1,790
Amounts owed by connected companies 258,802 68,783
260,592 70,933

5. Creditors: amounts falling due within one year

2025 2024
£ £
Trade creditors 13,110 2,590
Amounts owed to Group undertakings 282,132 201,944
Amounts owed to connected companies 1,729,894 1,166,341
Other creditors 51,376 16,099
2,076,512 1,386,974

6. Creditors: amounts falling due after more than one year

2025 2024
£ £
Bank loans (secured) 6,391,124 5,793,851

Loans and borrowings with a value of £6,391,124 (2024 - £5,793,851) are secured by way of fixed and floating charges over investment property. Also by personal guarantee from the director Mark Thomas, for the sum of £1,369,000.

Amounts repayable after more than 5 years are included in creditors falling due over one year:

2025 2024
£ £
Bank loans (secured) 6,391,124 5,793,851

7. Contingencies

Contingent liabilities

2025 2024
£ £
Total contingent liabilities 3,000,000 3,000,000

The total amount of guarantees not included in the balance sheet is £3,000,000 (2024 - £3,000,000). This relates to the company's status as a guarantor for a loan of £3,000,000 taken by Refresh Property Group Limited. The loan is secured by fixed and floating charges over Refresh Property Group Limited, Refresh Living No.4 Limited and Refresh Living No.3 Limited.

8. Related party transactions

During the year, the company entered into a number of transactions with associated group companies. At the year-end, there are amounts owed by group companies of £1,790 (2024 - £1,790) and amounts owed to group companies of £282,132 (2024 - £201,944) in connection with these transactions.
During the year, the company entered into a number of transactions with other companies which are under the control of M P Thomas (director). At the year-end, there are amounts owed by connected companies of £258,802 (2024 - £68,783) and amounts owed to connected companies of £1,729,894 (2024 - £1,166,341) in connection with these transactions.

The balances due to and from related parties are unsecured, interest free and repayable on demand unless otherwise stated.

9. Events after the Balance Sheet date

Following the year end, the Company entered into a refinancing arrangement with United Trust Bank amounting to £1,668,695. As part of the refinancing and wider group funding arrangements, certain properties were transferred into the Company from other group entities.