FINANCE WESTCOUNTRY LIMITED

Company Registration Number:
08264056 (England and Wales)

Unaudited statutory accounts for the year ended 31 October 2025

Period of accounts

Start date: 1 November 2024

End date: 31 October 2025

FINANCE WESTCOUNTRY LIMITED

Contents of the Financial Statements

for the Period Ended 31 October 2025

Balance sheet
Additional notes
Balance sheet notes

FINANCE WESTCOUNTRY LIMITED

Balance sheet

As at 31 October 2025

Notes 2025 2024


£
£
Fixed assets
Tangible assets: 3 5,746 7,182
Total fixed assets: 5,746 7,182
Current assets
Debtors: 4 55,169 39,433
Cash at bank and in hand: 3,727 2,312
Total current assets: 58,896 41,745
Creditors: amounts falling due within one year: 5 ( 39,866 ) ( 20,339 )
Net current assets (liabilities): 19,030 21,406
Total assets less current liabilities: 24,776 28,588
Creditors: amounts falling due after more than one year: 6 ( 17,042 ) ( 21,565 )
Total net assets (liabilities): 7,734 7,023
Capital and reserves
Called up share capital: 100 100
Profit and loss account: 7,634 6,923
Total Shareholders' funds: 7,734 7,023

The notes form part of these financial statements

FINANCE WESTCOUNTRY LIMITED

Balance sheet statements

For the year ending 31 October 2025 the company was entitled to exemption under section 477 of the Companies Act 2006 relating to small companies.

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.

The directors have chosen not to file a copy of the company's profit and loss account.

This report was approved by the board of directors on 28 October 2026
and signed on behalf of the board by:

Name: Mr S Beck
Status: Director

The notes form part of these financial statements

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

  • 1. Accounting policies

    Basis of measurement and preparation

    These financial statements have been prepared in accordance with the provisions of Section 1A (Small Entities) of Financial Reporting Standard 102

    Turnover policy

    Turnover comprises commissions and fees receivable.

    Tangible fixed assets depreciation policy

    Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows: Office Equipment -20% reducing balance

    Other accounting policies

    The taxation expense represents the aggregate amount of current and deferred tax recognised in the reporting period. Tax is recognised in profit or loss, except to the extent that it relates to items recognised in other comprehensive income or directly in equity. In this case, tax is recognised in other comprehensive income or directly in equity, respectively.

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

  • 2. Employees

    2025 2024
    Average number of employees during the period 3 2

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

3. Tangible assets

Land & buildings Plant & machinery Fixtures & fittings Office equipment Motor vehicles Total
Cost £ £ £ £ £ £
At 1 November 2024 33,086 33,086
Additions
Disposals
Revaluations
Transfers
At 31 October 2025 33,086 33,086
Depreciation
At 1 November 2024 25,904 25,904
Charge for year 1,436 1,436
On disposals
Other adjustments
At 31 October 2025 27,340 27,340
Net book value
At 31 October 2025 5,746 5,746
At 31 October 2024 7,182 7,182

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

4. Debtors

2025 2024
£ £
Trade debtors 34,645 32,765
Other debtors 20,524 6,668
Total 55,169 39,433

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

5. Creditors: amounts falling due within one year note

2025 2024
£ £
Bank loans and overdrafts 5,154 5,154
Taxation and social security 503 11,833
Other creditors 34,209 3,352
Total 39,866 20,339

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

6. Creditors: amounts falling due after more than one year note

2025 2024
£ £
Bank loans and overdrafts 17,042 21,565
Total 17,042 21,565

FINANCE WESTCOUNTRY LIMITED

Notes to the Financial Statements

for the Period Ended 31 October 2025

7. Loans to directors

The Director's loan account remained in credit throughout the year: it is interest free, unsecured and repayable on demand.