REGISTERED NUMBER: 11613080 (England and Wales)

VIRTUS INSURANCE SOLUTIONS LIMITED

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2025

Page

Company Information

1

Statement of Financial Position

2

Notes to the Financial Statements

4

DIRECTORS:

T N Davidson

G A Williams

SECRETARY:

Mrs E L Davidson

REGISTERED OFFICE:

3rd Floor

65 Carter Lane

London

EC4V 5DY

REGISTERED NUMBER:

11613080 (England and Wales)

ACCOUNTANTS:

Miller & Co

Chartered Accountants

5 Imperial Court

Laporte Way

Luton

Bedfordshire

LU4 8FE

FIXED ASSETS

Tangible assets

5

1,903

855

CURRENT ASSETS

Debtors

6

62,478

51,433

Cash at bank

37,270

14,900

99,748

66,333

CREDITORS

Amounts falling due within one year

7

88,948

44,685

NET CURRENT ASSETS

10,800

21,648

TOTAL ASSETS LESS CURRENT LIABILITIES

12,703

22,503

CREDITORS

Amounts falling due after more than one year

8

-

(10,002

)

PROVISIONS FOR LIABILITIES

(476

)

-

NET ASSETS

12,227

12,501

CAPITAL AND RESERVES

Called up, paid and allotted

share capital

100

100

Retained earnings

12,127

12,401

12,227

12,501

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 December 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 December 2025 in accordance with Section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for:

(a)	ensuring that the company keeps accounting records which comply with Sections 386 and 387 of the Companies Act 2006 and

(b)

preparing financial statements which give a true and fair view of the state of affairs of the company as at the end of each financial year and of its profit or loss for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the company.

The financial statements have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

In accordance with Section 444 of the Companies Act 2006, the Statement of Income and Retained Earnings has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 31 July 2026 and were signed on its behalf by:

G A Williams - Director

1.	STATUTORY INFORMATION

Visage Harpenden Limited is a private company, limited by shares, registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

The presentation currency of the financial statements is the Pound Sterling, rounded to the nearest pound.

2.	STATEMENT OF COMPLIANCE

These financial statements have been prepared in accordance with Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" including the provisions of Section 1A "Small Entities" and the Companies Act 2006.

3.	ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements have been prepared under the historical cost convention.

Turnover

Turnover is measured at the fair value of the consideration received or receivable, excluding discounts, rebates, value added tax and other sales taxes.

Tangible fixed assets

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

Computer equipment

-

33% on cost

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Statement of Income and Retained Earnings, except to the extent that it relates to items recognised in other comprehensive income or directly in equity.

Current or deferred taxation assets and liabilities are not discounted.

Current tax is recognised at the amount of tax payable using the tax rates and laws that have been enacted or substantively enacted by the statement of financial position date.

Deferred tax

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

Timing differences arise from the inclusion of income and expenses in tax assessments in periods different from those in which they are recognised in financial statements. Deferred tax is measured using tax rates and laws that have been enacted or substantively enacted by the year end and that are expected to apply to the reversal of the timing difference.

Unrelieved tax losses and other deferred tax assets are recognised only to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits.

Pension costs and other post-retirement benefits

The company operates a defined contribution pension scheme. Contributions payable to the company's pension scheme are charged to profit or loss in the period to which they relate.

4.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 7 (2024 - 5 ) .

5.	TANGIBLE FIXED ASSETS

Computer

equipment

£

COST

At 1 January 2025

3,295

Additions

1,778

At 31 December 2025

5,073

DEPRECIATION

At 1 January 2025

2,440

Charge for year

730

At 31 December 2025

3,170

NET BOOK VALUE

At 31 December 2025

1,903

At 31 December 2024

855

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Trade debtors

16,435

11,409

Other debtors

46,043

40,024

62,478

51,433

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Bank loans and overdrafts

5,097

5,097

Trade creditors

20,096

5,789

Taxation and social security

47,940

33,799

Other creditors

15,815

-

88,948

44,685

8.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

2025

2024

£

£

Bank loans

-

10,002

9.	DIRECTORS' ADVANCES, CREDITS AND GUARANTEES

The following advances and credits to a director subsisted during the years ended 31 December 2025 and 31 December 2024:

2025

2024

£

£

T N Davidson

Balance outstanding at start of year

39,500

4,500

Amounts advanced

48,050

39,500

Amounts repaid

(41,507

)

(4,500

)

Amounts written off

-

-

Amounts waived

-

-

Balance outstanding at end of year

46,043

39,500

10.	RELATED PARTY DISCLOSURES

The company operates a directors loan account with the company which is interest free and repayable on demand. See note above for transactions with directors who owe the company at the year end. Additionally one director was owed £6,500 by the company at the year end (2025: £ Nil)