Williams Mortgage Solutions Limited - Accounts to registrar (filleted)

REGISTERED NUMBER: 12897792 (England and Wales)

WILLIAMS MORTGAGE SOLUTIONS LIMITED

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 28 FEBRUARY 2026

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

Chartered Certified Accountants' Report

7

DIRECTOR:

J D Williams

REGISTERED OFFICE:

Flat 18 Woodgate Court

98 Stafford Avenue

Hornchurch

RM11 2EX

REGISTERED NUMBER:

12897792 (England and Wales)

ACCOUNTANTS:

Spurling Cannon

King Arthur's Court

Maidstone Road

Charing

Kent

TN27 0JS

FIXED ASSETS

Tangible assets

4

21,380

30,009

CURRENT ASSETS

Debtors

5

25,072

15,072

Cash at bank

4,209

14,119

29,281

29,191

CREDITORS

Amounts falling due within one year

6

(22,296

)

(27,003

)

NET CURRENT ASSETS

6,985

2,188

TOTAL ASSETS LESS CURRENT
LIABILITIES

28,365

32,197

CREDITORS

Amounts falling due after more than one
year

7

(23,226

)

(26,234

)

PROVISIONS FOR LIABILITIES

(4,062

)

(5,702

)

NET ASSETS

1,077

261

CAPITAL AND RESERVES

Called up share capital

1

Retained earnings

1,076

260

1,077

261

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 28 February 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 28 February 2026 in accordance with Section 476 of the Companies Act 2006.

The director acknowledges his 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 Income Statement has not been delivered.

The financial statements were approved by the director and authorised for issue on 25 June 2026 and were signed by:

J D Williams - Director

1.	STATUTORY INFORMATION

Williams Mortgage Solutions 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.

2.	ACCOUNTING POLICIES

Basis of preparing the financial statements

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.

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 or, if held under a finance lease, over the lease term, whichever is the shorter.

Plant and machinery etc

-

33% on cost, 25% on reducing balance and 20% on reducing balance

Taxation

Taxation for the year comprises current and deferred tax. Tax is recognised in the Income Statement, 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 balance sheet date.

Hire purchase and leasing commitments

Assets obtained under hire purchase contracts or finance leases are capitalised in the balance sheet. Those held under hire purchase contracts are depreciated over their estimated useful lives. Those held under finance leases are depreciated over their estimated useful lives or the lease term, whichever is the shorter.

The interest element of these obligations is charged to profit or loss over the relevant period. The capital element of the future payments is treated as a liability.

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.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was NIL (2025 - 1 ).

4.	TANGIBLE FIXED ASSETS

Fixture &

Motor

Computer

Fittings

vehicles

equipment

Totals

£

COST

At 1 March 2025

483

48,290

5,744

54,517

Additions

-

189

At 28 February 2026

483

48,290

5,933

54,706

DEPRECIATION

At 1 March 2025

230

21,126

3,152

24,508

Charge for year

50

6,791

1,977

8,818

At 28 February 2026

280

27,917

5,129

33,326

NET BOOK VALUE

At 28 February 2026

203

20,373

804

21,380

At 28 February 2025

253

27,164

2,592

30,009

Fixed assets, included in the above, which are held under hire purchase contracts are as follows:

Motor

vehicles

£

COST

At 1 March 2025

and 28 February 2026

48,290

DEPRECIATION

At 1 March 2025

21,127

Charge for year

6,791

At 28 February 2026

27,918

NET BOOK VALUE

At 28 February 2026

20,372

At 28 February 2025

27,163

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

Amounts owed by group undertakings

1,245

Directors' current accounts

2,396

Tax

274

Prepayments and accrued income

21,000

11,000

Prepayments

157

25,072

15,072

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2026

2025

£

Hire purchase contracts

3,281

Trade creditors

673

671

Corporation Tax

16,183

21,022

Social security and other taxes

518

235

Accrued expenses

1,641

1,794

22,296

27,003

7.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR

2026

2025

£

Hire purchase contracts

23,226

26,234

The following reproduces the text of the report prepared for the director in respect of the company's annual unaudited financial statements. In accordance with the Companies Act 2006, the company is only required to file a Balance Sheet. Readers are cautioned that the Income Statement and certain other primary statements and the Report of the Director are not required to be filed with the Registrar of Companies.

In order to assist you to fulfil your duties under the Companies Act 2006, we have prepared for your approval the financial statements of Williams Mortgage Solutions Limited for the year ended 28 February 2026 which comprise the Income Statement, Balance Sheet and the related notes from the company's accounting records and from information and explanations you have given us.

As a practising member firm of the Association of Chartered Certified Accountants, we are subject to its ethical and other professional requirements which are detailed at accaglobal.com/rulebook.

This report is made solely to the director of Williams Mortgage Solutions Limited in accordance with our terms of engagement. Our work has been undertaken solely to prepare for your approval the financial statements of Williams Mortgage Solutions Limited and state those matters that we have agreed to state to the director of Williams Mortgage Solutions Limited in this report in accordance with the requirements of the Association of Chartered Certified Accountants as detailed at

https://www.accaglobal.com/gb/en/technical-activities/technical-resources-

search/2009/october/factsheet-163-audit-exempt-companies.html.

To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the company and its director for our work or for this report.

It is your duty to ensure that Williams Mortgage Solutions Limited has kept adequate accounting records and to prepare statutory financial statements that give a true and fair view of the assets, liabilities, financial position and profit of Williams Mortgage Solutions Limited. You consider that Williams Mortgage Solutions Limited is exempt from the statutory audit requirement for the year.

We have not been instructed to carry out an audit or a review of the financial statements of Williams Mortgage Solutions Limited. For this reason, we have not verified the accuracy or completeness of the accounting records or information and explanations you have given to us and we do not, therefore, express any opinion on the statutory financial statements.

Spurling Cannon

King Arthur's Court

Maidstone Road

Charing

Kent

TN27 0JS

25 June 2026