RTA Mortgage & Financial Services Ltd - Accounts to registrar (filleted)

REGISTERED NUMBER: 07277738 (England and Wales)

REPORT OF THE DIRECTORS AND

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30TH SEPTEMBER 2026

FOR

RTA MORTGAGE & FINANCIAL SERVICES LTD

Page

Company Information

1

Report of the Directors

2

Balance Sheet

3

Notes to the Financial Statements

5

DIRECTORS:

J Richardson

S L Thorn

REGISTERED OFFICE:

52a High Street

Ware

Hertfordshire

SG12 9BZ

REGISTERED NUMBER:

07277738 (England and Wales)

ACCOUNTANTS:

Cook & Partners Limited

Manufactory House

Bell Lane

Hertford

Hertfordshire

SG14 1BP

The directors present their report with the financial statements of the company for the year ended 30th September 2026.

PRINCIPAL ACTIVITY

The principal activity of the company in the year under review was that of Financial Services.

DIRECTORS

The directors shown below have held office during the whole of the period from 1st October 2025 to the date of this report.

J Richardson

S L Thorn

This report has been prepared in accordance with the provisions of Part 15 of the Companies Act 2006 relating to small companies.

ON BEHALF OF THE BOARD:

J Richardson - Director

22nd October 2026

FIXED ASSETS

Intangible assets

4

-

Tangible assets

5

2,174

2,423

2,174

2,423

CURRENT ASSETS

Debtors

6

193,328

193,107

Cash at bank

357,357

343,964

550,685

537,071

CREDITORS

Amounts falling due within one year

7

90,671

154,204

NET CURRENT ASSETS

460,014

382,867

TOTAL ASSETS LESS CURRENT
LIABILITIES

462,188

385,290

CREDITORS

Amounts falling due after more than one
year

8

-

4,409

NET ASSETS

462,188

380,881

CAPITAL AND RESERVES

Called up share capital

80

Retained earnings

462,108

380,801

SHAREHOLDERS' FUNDS

462,188

380,881

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30th September 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 30th September 2026 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 22nd October 2026 and were signed on its behalf by:

J Richardson - Director

S L Thorn - Director

1.	STATUTORY INFORMATION

RTA Mortgage & Financial Services Ltd is a private company, limited by shares , registered in England and Wales. The company's registered number and registered office address can be found on the Company Information page.

2.	ACCOUNTING POLICIES

Accounting convention

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

Basis of preparation

The directors have assessed various factors and risks affecting the company and its ability in these difficult economic times to continue to trade as a going concern. The directors have not identified any material uncertainties or risks related to events or conditions that could affect the carrying values of the company's assets and liabilities as at the balance sheet date and therefore the financial statements for the year ended 30th September 2026 have been prepared using the going concern basis of accounting.

Revenue

Revenue - Described as turnover - is the the value of work (net of VAT) performed during the year with respect to services.

Revenue is recognised on the provision of services once completed.

Goodwill

Goodwill, being the amount paid in connection with the acquisition of a business in 2014, is being amortised evenly over its estimated useful life of ten years.

Intangible assets

Intangible assets are initially measured at cost. After initial recognition, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

Tangible fixed assets

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

Fixtures and fittings

-

20% on cost

Hire purchase and leasing commitments

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

Pension costs

The company operates a defined contribution scheme. The assets of the scheme are held separately from those of the company in an independently administered fund. The pension costs charge represents contributions payable for the period by the company to the fund.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 7 (2025 - 9 ) .

4.	INTANGIBLE FIXED ASSETS

Goodwill

£

COST

At 1st October 2025

and 30th September 2026

250,000

AMORTISATION

At 1st October 2025

and 30th September 2026

250,000

NET BOOK VALUE

At 30th September 2026

-

At 30th September 2025

-

5.	TANGIBLE FIXED ASSETS

Fixtures

and

fittings

£

COST

At 1st October 2025

12,405

Additions

961

At 30th September 2026

13,366

DEPRECIATION

At 1st October 2025

9,982

Charge for year

1,210

At 30th September 2026

11,192

NET BOOK VALUE

At 30th September 2026

2,174

At 30th September 2025

2,423

6.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

Other debtors

189,000

Prepayments

4,328

4,107

193,328

193,107

7.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

Bank loans and overdrafts

4,409

10,396

Tax

68,259

64,486

Social security and other taxes

697

667

Other creditors

702

426

Directors' current accounts

704

62,329

Accrued expenses

15,900

90,671

154,204

8.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR

2026

2025

£

Bank loans - 1-2 years

-

4,409

9.	GUARANTEES AND OTHER FINANCIAL COMMITMENTS

The company had total guarantees and commitments at the year end of £9,600 (2025: £9,600).