RJ Monckton Financial Consulting Ltd - Accounts to registrar (filleted)

REGISTERED NUMBER: 08727794 (England and Wales)

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 OCTOBER 2025

FOR

RJ MONCKTON FINANCIAL CONSULTING LTD

Page

Company Information

1

Balance Sheet

2

Notes to the Financial Statements

4

Report of the Accountants

7

DIRECTORS:

R J Monckton

Mrs L Monckton

REGISTERED OFFICE:

45 Queen Street

Deal

Kent

CT14 6EY

REGISTERED NUMBER:

08727794 (England and Wales)

ACCOUNTANTS:

Higson & Co (Deal) Ltd

45 Queen Street

Deal

Kent

CT14 6EY

FIXED ASSETS

Tangible assets

4

34,868

38,013

CURRENT ASSETS

Debtors

5

34,972

9,278

Cash at bank

3,120

13,904

38,092

23,182

CREDITORS

Amounts falling due within one year

6

38,415

18,492

NET CURRENT (LIABILITIES)/ASSETS

(323

)

4,690

TOTAL ASSETS LESS CURRENT
LIABILITIES

34,545

42,703

CREDITORS

Amounts falling due after more than one
year

7

34,384

41,782

NET ASSETS

161

921

CAPITAL AND RESERVES

Called up share capital

9

100

Retained earnings

61

821

SHAREHOLDERS' FUNDS

161

921

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

The members have not required the company to obtain an audit of its financial statements for the year ended 31 October 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 30 October 2026 and were signed on its behalf by:

R J Monckton - Director

1.	STATUTORY INFORMATION

RJ Monckton Financial Consulting 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.

The presentation currency of the financial statements is the Pound Sterling (£).

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 represents net invoiced commission, excluding value added tax.

Revenue is recognised based on the stage of completion of the service.

Revenue from life insurance policies is subject to a clawback provision, and revenue is recognised on a straight line basis over a period of twenty four months.

Tangible fixed assets

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

Improvements to property

-

10% on reducing balance

Fixtures and fittings

-

33% on cost

Motor vehicles

-

25% on cost

Computer equipment

-

33% on cost

Tangible fixed assets are reviewed for impairment annually.

It is the Policy of the Company to capitalise items with an estimated useful economic life in excess of two years, and in excess of £300.

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 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 (2024 - 2 ) .

4.	TANGIBLE FIXED ASSETS

Improvements

Fixtures

to

and

Motor

Computer

property

fittings

vehicles

equipment

Totals

£

COST

At 1 November 2024

8,696

-

30,374

1,938

41,008

Additions

-

856

-

856

At 31 October 2025

8,696

856

30,374

1,938

41,864

DEPRECIATION

At 1 November 2024

866

-

506

1,623

2,995

Charge for year

783

80

2,987

151

4,001

At 31 October 2025

1,649

80

3,493

1,774

6,996

NET BOOK VALUE

At 31 October 2025

7,047

776

26,881

164

34,868

At 31 October 2024

7,830

-

29,868

315

38,013

5.

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

Directors' current accounts

33,624

8,949

Tax

137

Prepayments

1,211

192

34,972

9,278

The directors loan was repaid within nine months of the year end.

6.

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

Bank loans and overdrafts (see note 8)

12,884

7,887

Tax

22,790

7,392

Social security and other taxes

(730

)

169

Directors' current accounts

72

884

Accrued expenses

3,399

2,160

38,415

18,492

7.

CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE
YEAR

2025

2024

£

Bank loans (see note 8)

34,384

41,782

8.

LOANS

An analysis of the maturity of loans is given below:

2025

2024

£

Amounts falling due within one year or on demand:

Bank loans

12,884

7,887

Amounts falling due between one and two years:

Bank loans - 1-2 years

7,884

7,887

Amounts falling due between two and five years:

Bank loans - 2-5 years

26,500

33,895

9.	CALLED UP SHARE CAPITAL

Allotted, issued and fully paid:

Number:

Class:

Nominal

2025

2024

value:

£

100

Ordinary

£1

100

10.	DIRECTORS' ADVANCES, CREDITS AND GUARANTEES

The following Directors Loan Accounts subsisted during the year;

Directors loan account 1

A member of key management personnel.

During the year the Company advanced the Director £75,782 (2024: £77,539)

During the year the Director repaid the Company £51,107 (2024: £80,225)

As at the year end, the Director owed the Company £33,624 (2024: £8,949).

The loan is repayable upon demand.

Directors loan account 2

A member of key management personnel.

During the year the Company advanced the Director £30,522 (2024: £34,919)

During the year the Director repaid the Company £29,710 (2024: £34,919)

As at the year end, the Company owed the Director £72 (2024: £884).

The loan is repayable upon demand.

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 October 2025 set out on pages one to nine 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.

Higson & Co (Deal) Ltd

45 Queen Street

Deal

Kent

CT14 6EY

Date: .............................................