Smart Money Solutions Limited - Accounts to registrar (filleted)

REGISTERED NUMBER: 04529347 (England and Wales)

Unaudited Financial Statements for the Year Ended 31 March 2026

for

Smart Money Solutions Limited

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

3

Report of the Accountants

6

DIRECTORS:

Mr T Radley

Mr S Foster

REGISTERED OFFICE:

Turpins Way

33 High Dyke

Harrowby

Grantham

Lincolnshire

NG31 9ER

REGISTERED NUMBER:

04529347 (England and Wales)

ACCOUNTANTS:

D Hubbard Accountancy Limited

3 Clover House

Boston Road

Sleaford

Lincolnshire

NG34 7HD

FIXED ASSETS

Tangible assets

4

10,094

10,503

CURRENT ASSETS

Debtors

5

177,147

184,197

Cash at bank and in hand

98

100

177,245

184,297

CREDITORS

Amounts falling due within one year

6

93,783

112,802

NET CURRENT ASSETS

83,462

71,495

TOTAL ASSETS LESS CURRENT
LIABILITIES

93,556

81,998

CAPITAL AND RESERVES

Called up share capital

7

2

Revaluation reserve

8

(3,366

)

(3,366

)

Retained earnings

96,920

85,362

SHAREHOLDERS' FUNDS

93,556

81,998

The company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 March 2026.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 March 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 Income Statement has not been delivered.

The financial statements were approved by the Board of Directors and authorised for issue on 29 October 2026 and were signed on its behalf by:

Mr T Radley - Director

1.	STATUTORY INFORMATION

Smart Money 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.

Plant and machinery etc

-

25% on reducing balance and 15% 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.

Deferred tax

Deferred tax is recognised in respect of all timing differences that have originated but not reversed at the balance sheet 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.

3.	EMPLOYEES AND DIRECTORS

The average number of employees during the year was 2 (2025 - 3 ) .

4.	TANGIBLE FIXED ASSETS

Plant and

Land and

machinery

buildings

etc

Totals

£

COST

At 1 April 2025

2,000

66,645

68,645

Additions

-

1,694

At 31 March 2026

2,000

68,339

70,339

DEPRECIATION

At 1 April 2025

-

58,142

Charge for year

-

2,103

At 31 March 2026

-

60,245

NET BOOK VALUE

At 31 March 2026

2,000

8,094

10,094

At 31 March 2025

2,000

8,503

10,503

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.3.26

31.3.25

£

Trade debtors

11

373

Loan account

8,782

9,583

FWR Properties

109,176

114,216

Smart Lettings (Grantham)

56,445

Prepayments

2,733

3,580

177,147

184,197

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.3.26

31.3.25

£

Bank loans and overdrafts

2,048

8,177

Other loans

33,050

Trade creditors

6,420

5,039

Wages control

1,671

1,680

Pension account

104

95

Tax

3,089

6,479

Social security and other taxes

533

988

F&R Associates

5,298

11,355

Directors' current accounts

39,809

43,989

Accrued expenses

1,761

1,950

93,783

112,802

7.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

31.3.26

31.3.25

value:

£

2

Ordinary

£1

2

8.

RESERVES

Revaluation

reserve

£

At 1 April 2025

and 31 March 2026

(3,366

)

9.	RELATED PARTY DISCLOSURES

During the year, total dividends of £1,000 (2025 - £1,000) were paid to the directors .

The following reproduces the text of the report prepared for the directors 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 Directors are not required to be filed with the Registrar of Companies.

As described on the Balance Sheet you are responsible for the preparation of the financial statements for the year ended 31 March 2026 set out on pages two to five and you consider that the company is exempt from an audit.

In accordance with your instructions, we have compiled these unaudited financial statements in order to assist you to fulfil your statutory responsibilities, from the accounting records and information and explanations supplied to us.

D Hubbard Accountancy Limited

3 Clover House

Boston Road

Sleaford

Lincolnshire

NG34 7HD

29 October 2026