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Registered number: 11974455









TAYLOR MORMONT LIMITED







CONSOLIDATED

ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 AUGUST 2025

 
TAYLOR MORMONT LIMITED
 
 
COMPANY INFORMATION


Director
P Smith 




Registered number
11974455



Registered office
Old Station Road
Loughton

Essex

IG10 4PL




Independent auditors
Haslers Assurance LLP
Chartered Accountants & Statutory Auditor

Old Station Road

Loughton

Essex

IG10 4PL





 
TAYLOR MORMONT LIMITED
 

CONTENTS



Page
Group strategic report
 
1 - 2
Director's report
 
3
Director's responsibilities statement
 
4
Independent auditors' report
 
5 - 9
Consolidated statement of comprehensive income
 
10
Consolidated balance sheet
 
11 - 12
Company balance sheet
 
13
Consolidated statement of changes in equity
 
14
Company statement of changes in equity
 
15
Consolidated statement of cash flows
 
16 - 17
Consolidated analysis of net debt
 
18
Notes to the financial statements
 
19 - 35


 
TAYLOR MORMONT LIMITED
 
 
GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 31 AUGUST 2025

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

Business review
 
During 2025, we have successfully registered our new care homes in Clacton and Little Wakering which has increased our bed numbers from 13 to 22.

We continue to make progress with filling our beds and estimate that we will have full occupancy by the end of the year.

We are maintaining a satisfactory level of average fees despite pressure from commissioners who often try to place the people we care for at unrealistic fee levels. We are finding increasingly that commissioners are prioritising cost over care requirements.

Principal risks and uncertainties
 
Inflationary pressures and taxation are currently a risk to our progress with fee increases (3% average) not keeping pace with increasing costs. The uncertain political situation and the likely increase in energy costs and further tax increases is a concern.

As ever in our sector maintaining a strong staff team is challenging with demand for skilled carers being high. By establishing a dedicated HR dept and providing an above average level of employee benefits we have maintained a good level of staff retention. These risks and uncertainties are offset by the shortage of good quality care spaces and therefore filling our beds should not be a problem.

Financial key performance indicators
 
Turnover has remained relatively consistent at £3,233,177 in the current year (2024: £3,380,935).

We have successfully restructured our borrowing and now have a good relationship with TRIODOS Bank who are keen to work with us and fund our plans for further expansion. The last year has also seen a restructuring of our Senior Management team with the establishment of a dedicated HR department and the appointment of a Head of Care who will have overall responsibility for the delivery of Care in each of our Homes.

Cost management is challenging with our average costs increasing above reported inflation levels but his is true across the sector and economy generally. Our staff costs and benefits are at the upper end of industry pay rates for comparable homes but this is necessary to retain good staff.

We have seen an increase in the use of agency workers. This is due to having to use agency staff whilst we are transitioning the people we support into our homes. Once placements are secure we can recruit permanent staff and reduce agency usage.

Page 1

 
TAYLOR MORMONT LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025

Other key performance indicators
 
We have also increased our community activity, we sponsor the local children's football club, providing football kits to over 200 children and we have recently become a Platinum sponsor of the Essex Wildlife Trust as the people we support visit a number of their sites for recreational purposes.


This report was approved by the board on 28 August 2026 and signed on its behalf.



P Smith
Director

Page 2

 
TAYLOR MORMONT LIMITED
 
 
 
DIRECTOR'S REPORT
FOR THE YEAR ENDED 31 AUGUST 2025

The director presents her report and the financial statements for the year ended 31 August 2025.

Results and dividends

The loss for the year, after taxation and minority interests, amounted to £295,715 (2024 - profit £227,391).

Director

The director who served during the year was:

P Smith 

Future developments

We will need to invest further in our senior management over the next two years, specifically we will be looking to employ a behavioural specialist and a financial director.

We are currently working with external contractors on projects which will further increase our bed capacity from 22 to 40 beds over the next two years. these projects are currently at the planning stage. in addition we are hoping to develop circa twenty dwellings in close proximity to our homes to rent to staff at affordable rents. This will provide good quality accommodation for staff and should further aid staff retention and add some diversity to our portfolio of properties. We are also exploring development opportunities at our Braintree site.

Matters covered in the Group Strategic Report

The information required by s.414C of the Companies Act 2006 is included within the Strategic Report.

Disclosure of information to auditors

The director at the time when this Director's report is approved has confirmed that:
 
so far as she is aware, there is no relevant audit information of which the Company and the Group's auditors are unaware, and

she 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 and the Group's auditors are aware of that information.

Post balance sheet events

There have been no significant events affecting the Group since the year end.

Auditors

The auditorsHaslers Assurance LLPwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board on 28 August 2026 and signed on its behalf.
 





P Smith
Director

Page 3

 
TAYLOR MORMONT LIMITED
 
 
DIRECTOR'S RESPONSIBILITIES STATEMENT
FOR THE YEAR ENDED 31 AUGUST 2025

The director is responsible for preparing the Group strategic report, the Director's report and the consolidated financial statements in accordance with applicable law and regulations.

Company law requires the director to prepare financial statements for each financial year. Under that law the director has 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 director must not approve the financial statements unless she is satisfied that they give a true and fair view of the state of affairs of the Company and the Group and of the profit or loss of the Group for that period.

 In preparing these financial statements, the director is required to:

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

make judgements 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 Group will continue in business.

The director is 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 the Group and to enable her to ensure that the financial statements comply with the Companies Act 2006She is also responsible for safeguarding the assets of the Company and the Group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Page 4

 
TAYLOR MORMONT LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF TAYLOR MORMONT LIMITED
 

Opinion


We have audited the financial statements of Taylor Mormont Limited (the 'Parent Company') and its subsidiaries (the 'Group') for the year ended 31 August 2025, which comprise the Consolidated statement of comprehensive income, the Consolidated analysis of net debt, the Consolidated Balance Sheet, the Company Balance Sheet, the Consolidated Statement of Cash Flows, the Consolidated Statement of Changes in Equity, the Company 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 Group's and of the Parent Company's affairs as at 31 August 2025 and of the Group's loss 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 Group 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 director's 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 Group's or the Parent 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 director with respect to going concern are described in the relevant sections of this report.


Prior year not audited

The comparative figures for the year ended 31 August 2024 were not audited.


Page 5

 
TAYLOR MORMONT LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF TAYLOR MORMONT 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 director is 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 Group strategic report and the Director's report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Group strategic report and the Director's 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 Group and the Parent Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Group strategic report or the Director's 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 by the Parent Company, or returns adequate for our audit have not been received from branches not visited by us; or
the Parent Company financial statements are not in agreement with the accounting records and returns; or
certain disclosures of director's remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Page 6

 
TAYLOR MORMONT LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF TAYLOR MORMONT LIMITED (CONTINUED)


Responsibilities of directors
 

As explained more fully in the Director's responsibilities statement set out on page 4, the director is 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 director determines 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 director is responsible for assessing the Group's and the Parent 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 director either intends to liquidate the Group or the Parent Company or to cease operations, or has no realistic alternative but to do so.


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 Group 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:

We obtained an understanding of the legal and regulatory frameworks that are applicable to the entity and determined that the most significant are those that:

•  had a direct effect on the determination of material amounts and disclosures in the financial statements.     These included the UK Companies Act and tax legislation etc; and 

•  do not have a direct effect on the financial statements but compliance with which may be fundamental to    the company’s ability to operate or to avoid a material penalty. These include operational laws and    regulations including health and safety regulations, environmental regulations, and GDPR.

We obtained an understanding of how the company are complying with those legal and regulatory frameworks by making enquiries with management and those responsible for legal and compliance frameworks. We corroborated our enquiries through review of correspondence with regulatory bodies and gaining an understanding of the entity level controls of the company in respect of these areas and the controls in place to reduce opportunity for fraudulent transactions. 
 
We discussed among the audit engagement team including relevant internal tax specialists, regarding the opportunities and incentives, including management override of controls, that may exist within the organisation for fraud and how and where fraud might occur in the financial statements. We also communicated the applicable laws and regulations throughout our team and remained alert to any indications of non-compliance throughout the audit.  

As a result of performing the above, we identified the greatest potential for fraud in the following areas, and our specific procedures performed to address it are described below:

The principal risks related to management override in relation to posting of non-standard manual journals in respect of revenue and misstatement of expenses.
 
Page 7

 
TAYLOR MORMONT LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF TAYLOR MORMONT LIMITED (CONTINUED)


Procedures performed to address these were as follows:

•  Walkthrough testing was carried out to identify and assess the design effectiveness of controls     management have in place to prevent and detect fraud, including known of suspected instances or non-    compliance with laws and regulations and fraud,

•  Understanding how those charged with governance considered and addressed the potential for override     of controls or other inappropriate influence over the financial reporting process,  

•  Using analytical procedures to identify any unusual or unexpected relationships that may indicate risks of    material misstatements due to fraud,  

•  Assessing the appropriateness of accounting estimates and challenging any significant assumptions or    judgements made by management,  

•  Incorporating testing of manual journal entries that were posted throughout the year. In particular, we    focused on material journal entries, round sum journal entries, journal entries posted without     descriptions, and those posted after the year end. These were scrutinised for evidence of unusual    entries,

•  Reviewing revenue recognition policies and general policies in relation to work in progress. We assessed    the accuracy and completeness of the management’s estimates,

•  Evaluated the business rationale of any significant transactions that are unusual or outside the normal    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.


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.


Page 8

 
TAYLOR MORMONT LIMITED
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF TAYLOR MORMONT LIMITED (CONTINUED)


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.





Matthew Wells ACA (Senior statutory auditor)
  
for and on behalf of
Haslers Assurance LLP
 
Chartered Accountants
Statutory Auditor
  
Old Station Road
Loughton
Essex
IG10 4PL

28 August 2026
Page 9

 
TAYLOR MORMONT LIMITED
 
 
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 AUGUST 2025

2025
2024
£
£

  

Turnover
 4 
3,233,177
3,380,935

Cost of sales
  
(1,940,252)
(1,764,652)

Gross profit
  
1,292,925
1,616,283

Administrative expenses
  
(1,228,482)
(1,121,585)

Operating profit
 5 
64,443
494,698

Interest receivable and similar income
 9 
4,796
3,036

Interest payable and similar expenses
 10 
(354,064)
(165,107)

(Loss)/profit before taxation
  
(284,825)
332,627

Tax on (loss)/profit
 11 
-
(82,711)

(Loss)/profit for the financial year
  
(284,825)
249,916

(Loss)/profit for the year attributable to:
  

Non-controlling interests
  
10,890
22,525

Owners of the Parent Company
  
(295,715)
227,391

  
(284,825)
249,916

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

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

The notes on pages 19 to 35 form part of these financial statements.

Page 10

 
TAYLOR MORMONT LIMITED
REGISTERED NUMBER: 11974455

CONSOLIDATED BALANCE SHEET
AS AT 31 AUGUST 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 12 
86,608
78,976

Investment property
 14 
4,731,326
4,209,925

  
4,817,934
4,288,901

Current assets
  

Stocks
 15 
1,222,598
1,185,601

Debtors: amounts falling due within one year
 16 
1,209,300
596,430

Cash at bank and in hand
 17 
187,200
13,196

  
2,619,098
1,795,227

Creditors: amounts falling due within one year
 18 
(669,284)
(2,796,759)

Net current assets/(liabilities)
  
 
 
1,949,814
 
 
(1,001,532)

Total assets less current liabilities
  
6,767,748
3,287,369

Creditors: amounts falling due after more than one year
 19 
(4,360,243)
(595,039)

Provisions for liabilities
  

Deferred taxation
 21 
(355,512)
(355,512)

  
 
 
(355,512)
 
 
(355,512)

Net assets
  
2,051,993
2,336,818

Page 11

 
TAYLOR MORMONT LIMITED
REGISTERED NUMBER: 11974455
    
CONSOLIDATED BALANCE SHEET (CONTINUED)
AS AT 31 AUGUST 2025

2025
2024
Note
£
£

Capital and reserves
  

Called up share capital 
  
16
16

Share premium account
 23 
1,094,780
1,094,780

Revaluation reserve
 23 
897,392
897,392

Profit and loss account
 23 
(87,964)
207,751

Equity attributable to owners of the Parent Company
  
1,904,224
2,199,939

Non-controlling interests
  
147,769
136,879

  
2,051,993
2,336,818


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 28 August 2026.




P Smith
Director

The notes on pages 19 to 35 form part of these financial statements.

Page 12

 
TAYLOR MORMONT LIMITED
REGISTERED NUMBER: 11974455

COMPANY BALANCE SHEET
AS AT 31 AUGUST 2025

2025
2024
Note
£
£

Fixed assets
  

Investments
 13 
2,342
2,342

  
2,342
2,342

Current assets
  

Debtors: amounts falling due within one year
 16 
3,251,746
3,177,179

Cash at bank and in hand
 17 
244
3,281

  
3,251,990
3,180,460

Creditors: amounts falling due within one year
 18 
(5,027,253)
(4,561,024)

Net current liabilities
  
 
 
(1,775,263)
 
 
(1,380,564)

Total assets less current liabilities
  
(1,772,921)
(1,378,222)

  

  

Net assets excluding pension asset
  
(1,772,921)
(1,378,222)

Net liabilities
  
(1,772,921)
(1,378,222)


Capital and reserves
  

Called up share capital 
  
16
16

Profit and loss account brought forward
  
(1,378,238)
(1,023,309)

Loss for the year
  
(394,699)
(354,929)

Profit and loss account carried forward
  
(1,772,937)
(1,378,238)

  
(1,772,921)
(1,378,222)


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 28 August 2026.


P Smith
Director

The notes on pages 19 to 35 form part of these financial statements.

Page 13
 

 
TAYLOR MORMONT LIMITED


 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 AUGUST 2025



Called up share capital
Share premium account
Revaluation reserve
Profit and loss account
Non-controlling interests
Total equity


£
£
£
£
£
£


At 1 September 2024
16
1,094,780
897,392
207,751
136,879
2,336,818



Comprehensive income for the year


Loss for the year
-
-
-
(295,715)
10,890
(284,825)



At 31 August 2025
16
1,094,780
897,392
(87,964)
147,769
2,051,993




CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 AUGUST 2024



Called up share capital
Share premium account
Revaluation reserve
Profit and loss account
Non-controlling interests
Total equity


£
£
£
£
£
£


At 1 September 2023
16
1,094,780
897,392
(19,640)
114,354
2,086,902



Comprehensive income for the year


Profit for the year
-
-
-
227,391
22,525
249,916



At 31 August 2024
16
1,094,780
897,392
207,751
136,879
2,336,818



The notes on pages 19 to 35 form part of these financial statements.

Page 14
 
TAYLOR MORMONT LIMITED
 

COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 AUGUST 2025


Called up share capital
Profit and loss account
Total equity

£
£
£

At 1 September 2024
16
(1,378,238)
(1,378,222)


Comprehensive income for the year

Loss for the year
-
(394,699)
(394,699)


At 31 August 2025
16
(1,772,937)
(1,772,921)



COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 AUGUST 2024


Called up share capital
Profit and loss account
Total equity

£
£
£

At 1 September 2023
16
(1,023,309)
(1,023,293)


Comprehensive income for the year

Loss for the year
-
(354,929)
(354,929)


At 31 August 2024
16
(1,378,238)
(1,378,222)


The notes on pages 19 to 35 form part of these financial statements.

Page 15

 
TAYLOR MORMONT LIMITED
 

CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 AUGUST 2025

2025
2024
£
£

Cash flows from operating activities

(Loss)/profit for the financial year
(284,825)
249,916

Adjustments for:

Depreciation of tangible assets
41,003
34,365

Loss on disposal of tangible assets
85,247
-

Interest paid
354,064
165,107

Interest received
(4,796)
(3,036)

Taxation charge
-
82,712

(Increase) in stocks
(36,997)
(415,014)

(Increase) in debtors
(612,870)
(119,765)

Increase in creditors
1,637,729
1,252,642

Net cash generated from operating activities

1,178,555
1,246,927


Cash flows from investing activities

Purchase of tangible fixed assets
(48,634)
(32,088)

Purchase of investment properties
(606,648)
-

Interest received
4,796
3,036

Net cash from investing activities

(650,486)
(29,052)

Cash flows from financing activities

New secured loans
4,400,000
-

Repayment of loans
(3,262,390)
(2,261,964)

Interest paid
(354,064)
(165,107)

Net cash used in financing activities
783,546
(2,427,071)
Page 16

 
TAYLOR MORMONT LIMITED
 

CONSOLIDATED STATEMENT OF CASH FLOWS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025


2025
2024

£
£



Net increase/(decrease) in cash and cash equivalents
1,311,615
(1,209,196)

Cash and cash equivalents at beginning of year
(1,126,125)
83,071

Cash and cash equivalents at the end of year
185,490
(1,126,125)


Cash and cash equivalents at the end of year comprise:

Cash at bank and in hand
187,200
13,196

Bank overdrafts
(1,710)
(1,139,321)

185,490
(1,126,125)


The notes on pages 19 to 35 form part of these financial statements.

Page 17

 
TAYLOR MORMONT LIMITED
 

CONSOLIDATED ANALYSIS OF NET DEBT
FOR THE YEAR ENDED 31 AUGUST 2025




At 1 September 2024
Cash flows
At 31 August 2025
£

£

£

Cash at bank and in hand

13,196

174,004

187,200

Bank overdrafts

(1,139,321)

1,137,611

(1,710)

Debt due after 1 year

(595,039)

(3,765,204)

(4,360,243)

Debt due within 1 year

(1,296,500)

600,216

(696,284)


(3,017,664)
(1,853,373)
(4,871,037)

The notes on pages 19 to 35 form part of these financial statements.

Page 18

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

1.


General information

Taylor Mormont Limited is a private company, limited by shares, incorporated in the United Kingdom and registered in England and Wales, registration number 11974455. The registered office is Old Station Road, Loughton, Essex, United Kingdom, IG10 4PL. The principal activity of the group continued to be that of residential care activities.

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 Group management to exercise judgement in applying the Group's accounting policies (see note 3).

The financial statements are presented in sterling which is the functional currency of the company and rounded to the nearest pound sterling.

The following principal accounting policies have been applied:

 
2.2

Basis of consolidation

The consolidated financial statements present the results of the Company and its own subsidiaries ("the Group") as if they form a single entity. Intercompany transactions and balances between group companies are therefore eliminated in full.

The consolidated financial statements incorporate the results of business combinations using the purchase method. In the Balance sheet, the acquiree's identifiable assets, liabilities and contingent liabilities are initially recognised at their fair values at the acquisition date. The results of acquired operations are included in the Consolidated statement of comprehensive income from the date on which control is obtained. They are deconsolidated from the date control ceases.

In accordance with the transitional exemption available in FRS 102, the Group has chosen not to retrospectively apply the standard to business combinations that occurred before the date of transition to FRS 102, being 31 August 2025.

These are the Group’s first consolidated financial statements, and accordingly the consolidated results and financial position reflect the aggregation of the Company and its subsidiaries from the date on which the Company first obtained control of those entities.

 
2.3

Revenue

Revenue is recognised to the extent that it is probable that the economic benefits will flow to the Group and the revenue can be reliably measured. Revenue is measured as the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes. The following criteria must also be met before revenue is recognised:

Revenue is recognised based on the terms of the agreements with the customer over the period of providing the care service.

Page 19

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)

 
2.4

Operating leases: the Group 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.

 
2.5

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.

 
2.6

Borrowing costs

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

 
2.7

Pensions

Defined contribution pension plan

The Group operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the Group pays fixed contributions into a separate entity. Once the contributions have been paid the Group 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 Group in independently administered funds.

Page 20

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)

 
2.8

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 and the Group operate and generate 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;
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met; and
Where they relate to timing differences in respect of interests in subsidiaries, associates, branches and joint ventures and the Group can control the reversal of the timing differences and such reversal is not considered probable in the foreseeable future.

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.


 
2.9

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.

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, using the straight-line method.

Depreciation is provided on the following basis:

Freehold property
-
10%
straight line
Fixtures and fittings
-
25%
straight line
Office equipment
-
20%
straight line
Computer equipment
-
33%
straight line

The assets' residual values, useful lives, and depreciation methods are reviewed and adjusted prospectively where appropriate or when significant changes are indicated.

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

Page 21

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)

 
2.10

Investment property

Investment property is carried at fair value determined annually by the directors and derived from the current market rents and investment property yields for comparable real estate, adjusted if necessary for any difference in the nature, location or condition of the specific asset. No depreciation is provided. Changes in fair value are recognised in profit or loss.

 
2.11

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

 
2.12

Stocks

Stocks are stated at the lower of cost and net realisable value, being the estimated selling price less costs to complete and sell.

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.

 
2.13

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.

 
2.14

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.

In the Consolidated statement of cash flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the Group's cash management.

 
2.15

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 22

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)

 
2.16

Financial instruments

Financial instruments are recognised in the Group's Balance sheet when the Group becomes party to the contractual provisions of the instrument.

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 Group's cash and cash equivalents, trade and most other debtors due with the operating cycle fall into this category of financial instruments.

Impairment of financial assets

At the end of each reporting period financial assets measured at amortised cost are assessed for objective evidence of impairment. If an asset is impaired the impairment loss is the difference between the carrying amount and the present value of the estimated cash flows discounted at the asset’s original effective interest rate. The impairment loss is recognised in profit or loss. 

Financial assets are impaired when events, subsequent to their initial recognition, indicate the estimated future cash flows derived from the financial asset(s) have been adversely impacted. The impairment loss will be the difference between the current carrying amount and the present value of the future cash flows at the asset(s) original effective interest rate.

If there is a favourable change in relation to the events surrounding the impairment loss then the impairment can be reviewed for possible reversal. The reversal will not cause the current carrying amount to exceed the original carrying amount had the impairment not been recognised. The impairment reversal is recognised in the profit or loss.

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 Group after the deduction of all its liabilities.

Basic financial liabilities, which include trade and other creditors, bank loans, other loans and loans due to fellow group companies 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.

 

Page 23

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)


2.16
Financial instruments (continued)

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.

Derecognition of financial instruments

Derecognition of financial assets

Financial assets are derecognised when their contractual right to future cash flow expire, or are settled, or when the Group transfers the asset and substantially all the risks and rewards of ownership to another party. If significant risks and rewards of ownership are retained after the transfer to another party, then the Group will continue to recognise the value of the portion of the risks and rewards retained.

Derecognition of financial liabilities

Financial liabilities are derecognised when the Group's contractual obligations expire or are discharged or cancelled.


3.


Judgements in applying accounting policies and key sources of estimation uncertainty

In applying the Company's accounting policies, the director is required to make judgements, estimates and assumptions in determining the carrying amounts of assets and liabilities. The director's judgements, estimates and assumptions are based on the best and most reliable evidence available at the time when the decisions are made, and are based on historical experience and other factors that are considered to be applicable. Due to the inherent subjectivity involved in making such judgements, estimates and assumptions, the actual results and outcomes may differ.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised, if the revision affects only that period, or in the period of the revision and future periods, if the revision affects both current and future periods.

Investment property valuation - The valuation of investment property is a key area of estimation uncertainty. Investment properties are carried at fair value, which is determined based on market conditions at the reporting date using comparable market transactions and other relevant valuation techniques. In the absence of readily available observable market prices, the director uses judgement in selecting appropriate valuation methodologies and inputs, including yields, rental values and assumptions regarding future market conditions. Changes in these assumptions could have a material impact on the carrying value of investment property reported in the financial statements.

Stock valuation - The directors assessed the valuation of the stock balance at the year end. This relates to development of property where they will assess the net realisable value at the reporting date to determine if an impairment is required.

Page 24

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

4.


Turnover

An analysis of turnover by class of business is as follows:


2025
2024
£
£

Turnover
3,233,177
3,380,935

3,233,177
3,380,935


All turnover arose within the United Kingdom.


5.


Operating profit

The operating profit is stated after charging:

2025
2024
£
£

Other operating lease rentals
66,931
57,465


6.


Auditors' remuneration

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


2025
2024
£
£

Fees payable to the Company's auditors for the audit of the consolidated, Parent Company's financial statements, and subsidiary company financial statements
31,000
-

Page 25

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

7.


Employees

Staff costs, including director's remuneration, were as follows:


Group
Group
2025
2024
£
£


Wages and salaries
1,677,249
1,539,657

Social security costs
156,018
121,869

Cost of defined contribution scheme
30,906
25,961

1,864,173
1,687,487


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



Group
Group
Company
Company
        2025
        2024
        2025
        2024
            No.
            No.
            No.
            No.









Directors
1
1
1
1



Employees
62
62
-
-

63
63
1
1


8.


Director's remuneration




During the year retirement benefits were accruing to no directors (2024 - NIL) in respect of defined contribution pension schemes.

The director was paid £12,570 (2024 - £12,570), where this remuneration was borne by another group entity, Eastern County Care Limited.


9.


Interest receivable

2025
2024
£
£


Other interest receivable
4,796
3,036

4,796
3,036

Page 26

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

10.


Interest payable and similar expenses

2025
2024
£
£


Bank interest payable
296,150
83,107

Other loan interest payable
3,273
-

Other interest payable
54,641
82,000

354,064
165,107


11.


Taxation


2025
2024
£
£

Corporation tax


Current tax on profits for the year
-
83,563

Adjustments in respect of previous periods
-
(14,383)


-
69,180


Total current tax
-
69,180

Deferred tax


Origination and reversal of timing differences
-
13,531

Total deferred tax
-
13,531


Tax on (loss)/profit
-
82,711
Page 27

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025
 
11.Taxation (continued)


Factors affecting tax charge for the year

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

2025
2024
£
£


(Loss)/profit on ordinary activities before tax
(284,825)
332,627


(Loss)/profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2024 - 25%)
(71,206)
83,157

Effects of:


Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
26,471
-

Unrelieved tax losses carried forward
44,735
-

Other differences leading to an increase (decrease) in the tax charge
-
(446)

Total tax charge for the year
-
82,711


Factors that may affect future tax charges

There were no factors that may affect future tax charges.

Page 28

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

12.


Tangible fixed assets

Group



Freehold property
Fixtures and fittings
Office equipment
Computer equipment
Total

£
£
£
£
£



Cost or valuation


At 1 September 2024
117,726
170,701
2,268
8,463
299,158


Additions
-
46,457
-
2,177
48,634



At 31 August 2025

117,726
217,158
2,268
10,640
347,792



Depreciation


At 1 September 2024
100,871
112,352
45
6,913
220,181


Charge for the year on owned assets
10,716
28,594
454
1,239
41,003



At 31 August 2025

111,587
140,946
499
8,152
261,184



Net book value



At 31 August 2025
6,139
76,212
1,769
2,488
86,608



At 31 August 2024
16,854
58,349
2,223
1,550
78,976




The net book value of land and buildings may be further analysed as follows:


2025
2024
£
£

Freehold
6,139
16,854

6,139
16,854


Page 29

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

13.


Fixed asset investments

Company





Investments in subsidiary companies

£



Cost or valuation


At 1 September 2024
2,342



At 31 August 2025
2,342





Subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Class of shares

Holding

Eastern County Care Limited
Ordinary
96.5%
Eastern County Investments Ltd
Ordinary
96.5%
TM Development Services Limited
Ordinary
100%
ECI (Braintree) Limited
Ordinary
96.5%
Pivotal Care (Kirby Cross) Ltd
Ordinary
100%
Pivotal Property Limited
Ordinary
100%
Pivotal Land Limited
Ordinary
100%
Mormont & Douglas Properties Limited
Ordinary
100%
Lifetime Care Services Limited
Ordinary
100%

All subsidiary undertakings included above have the same registered office address as the parent company, being Old Station Road, Loughton, Essex, United Kingdom, IG10 4PL.

Page 30

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

14.


Investment property

Group


Freehold investment property

£



Valuation


At 1 September 2024
4,209,925


Additions at cost
606,648


Disposals
(85,247)



At 31 August 2025
4,731,326

The 2025 valuations were made by the directors, on an open market value basis.










15.


Stocks

Group
Group
2025
2024
£
£

Work in progress (development of property)
1,197,598
1,160,601

Land development
25,000
25,000

1,222,598
1,185,601



16.


Debtors

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£


Trade debtors
542,704
212,186
-
-

Amounts owed by group undertakings
-
-
3,218,185
3,143,359

Other debtors
522,261
347,822
33,561
33,561

Prepayments and accrued income
144,335
36,422
-
259

1,209,300
596,430
3,251,746
3,177,179


Page 31

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

17.


Cash and cash equivalents

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Cash at bank and in hand
187,200
13,196
244
3,281

Less: bank overdrafts
(1,710)
(1,139,321)
-
-

185,490
(1,126,125)
244
3,281



18.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2025
2024
2025
2024
£
£
£
£

Bank overdrafts
1,710
1,139,321
-
-

Bank loans
169,542
114,571
-
-

Trade creditors
115,011
118,798
13,957
60,271

Amounts owed to group undertakings
-
-
4,581,856
3,271,485

Amounts owed to associates
76,991
16,991
76,991
16,991

Corporation tax
89,590
85,189
-
-

Other taxation and social security
58,993
46,629
13,597
11,214

Other creditors
112,136
1,211,130
304,096
1,196,223

Accruals and deferred income
45,311
64,130
36,756
4,840

669,284
2,796,759
5,027,253
4,561,024



19.


Creditors: Amounts falling due after more than one year

Group
Group
2025
2024
£
£

Bank loans
4,360,243
595,039

4,360,243
595,039




Page 32

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

20.


Loans


Analysis of the maturity of loans is given below:


Group
Group
2025
2024
£
£

Amounts falling due within one year

Bank loans
169,544
114,571


169,544
114,571

Amounts falling due 1-2 years

Bank loans
154,479
109,861


154,479
109,861

Amounts falling due 2-5 years

Bank loans
459,082
485,178


459,082
485,178

Amounts falling due after more than 5 years

Bank loans
3,746,682
-

4,529,787
709,610


Page 33

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

21.


Deferred taxation


Group



2025


£






At beginning of year
(355,512)



At end of year
(355,512)

Company


2025
Group
Group
2025
2024
£
£

Revaluation of investment properties
(355,512)
(355,512)

(355,512)
(355,512)


22.


Share capital

2025
2024
£
£
Allotted, called up and fully paid



16 (2024 - 16) Ordinary shares of £1.00 each
16
16



23.


Reserves

Share premium account

The share premium account represents the premium arising on the issue of shares net of issue costs.

Investment property revaluation reserve

The investment property revaluation reserve represents cumulative effects of fair value adjustments net of deferred tax and other adjustments. 

Profit and loss account

The profit and loss account represents cumulative profits and losses net of dividends and other adjustments.

Page 34

 
TAYLOR MORMONT LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

24.


Pension commitments

The group operates a defined contribution pension scheme and contributions are charged to the profit and loss account as incurred. Contributions of £30,906 were made during the year 31 August 2025 (2024: £25,961). Contributions outstanding at the year end were £6,269 (2024: £6,329).


25.


Commitments under operating leases

At 31 August 2025 the Group and the Company had future minimum lease payments due under non-cancellable operating leases for each of the following periods:


Group
Group
2025
2024
£
£

Not later than 1 year
24,745
34,760

Later than 1 year and not later than 5 years
15,547
39,805

40,292
74,565


26.Other financial commitments

The group have granted a debenture incorporating fixed and floating charges overs it assets as security for borrowings it holds.


27.


Related party transactions

Information about related party transactions and outstanding balances is outlined below.

At the year end, the following amount were due from/(to) the related parties:


2025
2024
£
£

Other related parties
164,284
163,229
Key management personnel
(75,088)
(1,181,929)
89,196
(1,018,700)


28.


Controlling party

The ultimate controlling party is The Smith Family. 

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