PERSONAL WHOLENESS TRUST ANNUAL REPORT AND FINANCIAL STATEMENTS YEAR ENDED 31 MARCH 2025
PERSONAL WHOLENESS TRUST INDEX Year end 31 March 2025 Page Report of the Trusree5 Independent Examlner's Ryrc Swemenc of Financlal AcDviJes Balanee Sheet
PERSONAL WHQLENES5 TRUSr REPORT OF THE TRUSTEES Year ended 31 March 2025 The trustees Psent their reporc and finarKrdl sOtemts of the chwity for the year ended 31 March 2Q25. The financial sratements have been prepared in accordance with the accounting policie5 Set out in the notes to the accounrs and comply with the dwtrf$ governing d¢xumenL the Charities Act 2011 and the relevant Yersion of the Stttement of Recommended Practice applicable to charities preparing their accounts in accordance with the financial Reporring Sondard 4Dplkable in the UK and of Irelaftd (FRS 102). OBJECTIVES AND AcllvmES The <)bjertivo of the chwity i% ts lrnprove people'5 Well4nE throu8h car< counsellin8 and tralning. Thè principaE artritty of the chrity is to provide professional care and counsellirw This is aehieved by operating a Counselling Cenrre in South Woodford where professional counselling takes place and arrangwng retreats in other location5. The Centre use5 the title "Counsel for LtFe-. ThroLt8h 12rryin8 Out these atttvities the trustees have had due reDrd to zuidance pubftshed by the CTrxrY Commission on public benefiL ACHIEVEMENTS AND PERFORMANCE IN THE YEAR In 2024125. the charity tontinued to de[nO rllence and scrntezic adaptability in response to ongoing financial pressures and the wider irnpacl of the cost4rf4rvin8 crisi& Wrth mental health needs rising across all demographics, our cornmitment to provtding affordabl& profe5siorAI counsellin8 remained centr21 to our mission. This year marked a significant milestone as we ebrate our 30th annlverw in 2025. We remafn deeply r¢)Oted in our founding purpos& to offer acclbIe professional support to those in the community who would otherntse be unable co afford 1¢ In keeping with our strategic pals we priorltised marketing to ensure our service is visible in the community. We have also identified new sectors where professlorol counselllng could offer meaningful irnpacL Initial engagement with these groups FAS laying the groundwork for future PrrShIPs. We continue to work to meet the standards required to ffAintain our BACP Accred110n, which has been successfulty reled until 2028. Thls year, the charty has balanced $adY pro8ress with new ideas - a¢Wing to than while slaying true to our core ralues of compassion. profe55ionafL5m, and communiry caro During the year 344 counselling session5 have been hdd (2024: 412). FINANCIAL REVIEW The financial results are shown on page 6, a £6.894 dEficit (2024: 115.530 deficit) was achieved. A net negative movement of £8222 on unrestricted funds and a net POSitive mavement of £1.328 on re5tritted funds. The trvs*es ptefully acknowledge the donations todfing £4.149 r202+ £4270), and the grant of £4.253 (2024.. £0) without whith some of the xttivrtses would rÈot be possibl& In addition to frnanciaj income. many Funds az 31 March 2025 were £4869. Q125 geneTJI unrestritted fUft £1.416 desi8nated unrestricted funds and £1.328 restricred fvnd> These are Pri11Y represented by debtor& cash at bank and creditors. The charitys fixed asse whtth have a net book value of £593, are the furniture and equIpin( needed to run
PERSONALWHOLENESS TRusr REPORT OF THE TRUSTEES Year ended 31 March 2025 Reserves p0cY The trustees aim to maintain a balance of weral unrescritted reserves in and bank account5 (where possible) to eqte to 3 months (25%) of annual unrestricted payments exdu&ng those for pilgrimages or retrear5. to cover emergency situxtions that may arise from time to tim4 wfidLFdin8 malung staff reduntknt should that be necessary. At 31 March 2025 general fvnds were Q125 P024: £10,34T), whith 15 below the fidS requlred to meet the reserves pdicy. The budget for 25r26 predicts that general fvn& will be £6Sk at 31 Marth 2& very close to the level required by the reserrfes policy. The 25r16 budget has bÈen prepared on a conserltr basis and a$5umes counselling fee5 increase by a5 a result of the rketing iniriallves mad& although we are anticipatin8 that income will acuAIty increase by 20% (a £4k increase in total). If a 20% increase in counseling fees is achieved tha) the pdicy will be met at 31 March 2026. De&ted fvnd5 The trustees may designate addiuonal unrestricted fun& to be retaÉned for ari agreed purpose where this is considered to be prudent Suth de$lted ffijnds are reWed on an annual basis and returned tr the general unrestritted fund tn the eyenc that the purpose cf their dVIatIOn ts no longer considered to be adequate justification for their retention. A descripti of eath fvnd together with the intended use of the fund is set out in note 13. At 31 March 2025 deted funds were £1.4161202+. £1.416). At 31 Marth 2025 restricted ndS were £1328 (2024: £0). A descripuon of each nd together wtth the specrfied use of the futKJ 15 set out in n 13. STftucfuRI GOVERNANCE AND MANAGEMENT Governlng DocwnÈnt The charity is controlled by irs governing document4 the trust deed dated 22 January 1990 and the supplemenr21 trust deed ¢knd 4 Apnl 1997. It is an unineerpordted cty. A list of fruscees serving since l April 2024 ro the (tsre of this rep(xt is set oue in the rerce and administratr details below. aause 14 and IS of the trust deed state tFrtt r*w trustees shall appointed by x resolution at a meeting of the tnJst£e# at which there i% a majority of the tmstees present and that new trustees are required to dedare their belief and allegiarKe to the sTrteMu of faith sec out in the trust deed sthedul& Trustees The trustees meet frequently and have overall responsibilrry for the operation of the charity. They deal with all issues relattng to the retr¢ar& staffing and policie& The tru5rees consider and approve all applications th¢ charity makes for funding. Both tr5JStees are involved in all decision$ and constakatitsns betr•een them tske place as necessary. The management advtsory youp deak WFth the day to thy running of Counsel for LI It meet5 reguknrly to manage and review clinical operatTronal issu4 as wdl as marketing and firAnc
PERSONAL YIHOLENESS TRusr riEPORT OF THE TRUSTEES Year ended 31 March 2025 REFERENCE AND ADMINisfRATIVE DEfAILS Charitys Namtr. PersorAI Wholeness Trust Chwity Registration Number. I C4)0837 Prfnclpal Address l O Crescent Road Lonth>n. E18 IJB Durlng the period the fallowing served as ttL. Revd. David BlackIed8e Revd. Geoffrey Rithardson Debbie Pacord (from 17 Marth 2025) Mark Phillips (from 24 November 2025) The chartty reDrds member5 of the manaFrnwrt adVY group 35 its key personneL Durlng the perlod the following served: Revd. David BlackkdEe D¢)nna Gardner Lori NeYton (from 4 November 2024) Melanie Paterson James Smlth TRUSTEES. RESPONSIBILITIES We are required under ch&icy law to prepare financial accoun£% for eath financial year which give a true and fair view of the of affairs of thariy and of irs incoming and ourgoing resources for that year. In preparlnz those financial sra%wwts we are required 5dect suttsble accounting policies and then apply them cx1$¢•fftfjr, observe method5 and principle5 in the Charitie5 SORP. make judgements and estIaleS that are reasonable ar•d prud)¢ followed. Subject to any deparrures disdosed and eined in the financial statements: and prepare the finanaal sraternenrs on a going concern basis unkn it Is Inapprop to assume that the chaiity will continue its activrties. We are responsible for kwing proper accounting records Ythith di5dc¥5e with re350nable accuracy at any tlme the financial position of the charity and whith enable us to ensure that the firranciai Statements comply with Charity Law. We are also responsible for safeguarding the chaiitl5 assets and hence for taking This report VAS approved ty the bo¥d of trustees ¢x) 24 November 2025 and si8ned on its behalF br. d. G Rich¥ds( Truree
PERSONAL WHOLENESS TRUST INDEPENDENT EXAMINER'S REPORT Year énded 31 March 2025 I report ro the crustees on my examination of the accounts of the Personal Wholeness Trust for the year ended 31 March 2025. RESPONSIBILITIES AND BASIS OF REPORT As the trurtees of the charlty you are responsible for the preparation of the accounts in accordance viith the requirements of the Charicies Act 2011 (the Act). I report in respett of my examination of the charl5 accounts 12rried out under settion 145 of the Att and in carrying out my examination I have followed 1 the applicable Direttions given by the Charity Commission under settion 145(5)(b) of the ACL INDEPENDENT EXAMINER% STATEMENT I have completed my exaMinatn. I confinn that material matters have come to rny attention in connettion with the examinaoon giving me cause ro believe that in any material respecL acc¢>unting records were not kept in respect of the tharity as required by settion 130 of the Affj. or 2. the account5 do n¢x accord with those records.. or 3. the accounts do not compty with the appticable requirements concerning the forni and content of accounts set out in the Charities (Accounts and Reports) Regulatyons 2008 other than any requirement that the accounts give a 'true and fair view. which is not a matter considered As part of an independent examinacion. I have no concerns and have come across no other matter5 in connection with the examination to which attention should be drdwn in this report in order to enable a proper undersrandinz of the accounts to be reached. C L Famdon ACA l O Mayfair Gardens Woodford Green Essex IG8 9A8 24 November 2025
PERSONAL WHOENESS TRusr STATEMENT OF FINANCIAL ACTIVITIES Year ended 31 March 2025 Toral 2025 Total 2024 Funds Fur&ts Income from Donation5 and legacies Charttable actsvitses Investments 4,149 20,125 70 4,149 20,125 70 4.3 4.270 40,772 57 2c 2d 4253 Total income 24.344 4.253 28.597 45.099 Expen(rrture on Charitable accmties Counsdling Retreats 29.321 6.170 29,321 6.170 35,783 24,846 3b Total expendlture {35,491) (35,491) (60.629) Net Income l (exwJ&iture) Tr4nsfers ber•fftn fiJn& (11.147) 1925 4.253 {&894) (15530) 13 (192S) Net movements in funds for the year 1&222) 1.328 (6.894) (15,530) ReconcHiation of fund Totsl funds brought forward 11.763 11,763 27293 3541 lJ28 4,869 11.763 All income and exwditure derive fr<>m continuing acoviDe The accompy1ng note5 on page5 8 zo 14 are an integral pan of these filWal statem.
PERSONAL WHOLENESS TRUST BALANCE SHEET Year end 31 March 2025 No 2025 2024 Fixed assets Tanzible fixed assèts 10 593 889 Debtors Cash at bank and in hand 21,665 27.084 5,677 10,367 48,749 16.044 CrethtoTr amounts falling due Mthln one year 12 (44,473) (5.170) 10.874 4.276 4.869 11.763 Unrestricted revenue fund - general Unrestricted revenue fund . de54wwed Totsl unrestricted furmts 13a 13b Z125 1.416 10.347 1.416 3541 11.763 Restricted funds 13c 1.328 Total funds 4.869 11,763 The accompanying notes on py 8 to 14 are an in£e8rn1 part of these ffflancial Statements. The trustees acknowledge their reS[b}ll for awring the charity keeps proper accounting records in accordance with the requirements ol the Charltlts Acc 2011 as more fijlty set out in the statemeJrt of Trus*es' Responsibilities in the Trustees. ReporL The financial s£attsnurt5 on pages 6 w 14 were approved by the trustees on 24 November 2025 and were Si8med on i¢5 behalf br. Trustee
PERSONAL WHOLENESS TRUST NOTES TO THE FINANCIAL STATEMENTS Year end 31 March 2025 ACCOUNTING POUCIES The financial statements have been prepared in accordance with the re1v•t version of the Ststement of Recommended PrnCEice applicable to charlties prepartng their accounts in accordance with the Financial Reporting Sf3n¢trd applicable in the UK and Republic of Ireland (FRS 102) ar Charities Act 201 l and UK Generally Accepted Accounting •cL The financial statern IAYe be prepared to give a 'true and fair, view and have departed from the chariti (Accoun(s and Repons} Regulations 2IX)8 only to the extent required to provide a 'true and fair, view. This departrjre has involved f¢ll¢wing the relvAnt version of the Statement of Recornmended Practice appllcabk to charities preparin8 their acc¢)unts in accordance with the Financial Reportin8 Standard applicable in the UK and Republic of Ireland {FR5 IOZ) rather than the Accounting and Reponing by CIHri£i¢k srarern of Recommended Practice effecriye from l April 2005 whith ha5 been since withdrawn. The ftnancral statements are preserted in Sterfl whlth Is the Ii•xdonal csjrrency of the thaiiry. and rounded to the nearest pound sterling. b) Income All income is recogmised in the Swemenc of fitwKial Activities once the chariry has entidement to the incom< It is probable that the income v*ill be received and the arnount be measured rdiably. Donations and clwitable activitses income are recognised as irbcome in the year In Twhen li) Interest and dividends indu(fing bank interest ¥e rwnised as income when receiw4b ii)i Grant in¢qxne is only recwised when any prCn5 for entitlement specrfied by the donor have been meL When grart income is recwised income is recognised over the length of the grant to which it relatek c) Expendithre Liabilrty&% are reeognised as expendityre as soon as there is a legal or con$rn obligation Committing the chariy to that expenthwrt ir is probable that a uansfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expendlture is accounted for on an accruals basis and has been classified under heading5 that 8ggreDte all costs related to that category. Where C¢XS cannot be direcdy attrlbuted to a particular heading they have been allocated to acovlties on a basis consistent with the use of resource& d) Tangible fixed assets and depreciation Indi¥ithAI items of computer equipment wed within the chariry a purchase price of over £250 are )itslised icen)s with a purchase prio of U50 or less when the assec Is acquired are written off as incurrai Capitslised cornwr equpment is (kpreciated on a straight line basis over 4 year5. •) Tax¥tion Going concern Th¢ firRn(ial S¢atemenrs have been prepred on a going concern basis as the tru5¢ee5 belie that the kyel of hJnd$ held and the eyected kvel of income and expendltsjre for 12 months from the date of authorising thest financiat srntemthts ts suffi£ient for the dwity to be able t• continue as a going concern.
PERSONAL WHOLENESS TRUST NOTES TO THE FINANCIAL STATEMENTS Year ended 31 March 2025 g) accountinz Unrestritted thjnds can be used in accordance with the charirable obiectsves at the dixretlon of the Restrictions arise specified by the (knar or when funds are railed for pgrtieular restrirted wrpos& The aim and use of exch rettricted fund set out in nots 13. It is the policy of the trustees to monitor carefulty the application of those fun& in accordance wlth the restrittions placed upon them. In the applicauon of the accounting policie& the trustow are required to nxke iudgem•Jts estimates and assumprions about the carrying value of assers and liabikties that are not rea&ly apparent from other sourc4< The estimates and underlying a55umwions are based on hisrorlcal experlence and ¢xher factor5 thar are considered to be releyant Acwal results may differ from these estimates. The estimates and undedying assunyions are continualty evaluated Revisions to accounting estimates are recognised in the period in whith the estimate 15 se In the of the tru5rees there are no sources of 4stirnation uncvralnty affecting assers or liabillties at the balance sheet date that are fikety to resulr in a material adiustsme to their carrying amounts in the next financial year. INCOME FROM Unrestricted Restricted Fund Total 2025 Totsvl 2024 (a) Donatio and lezacies Donations and gifts 4.149 4.149 4.270 4.149 4.149 4270 (b) Charltable acdvltles Counsetling fees Counsdling fees - nanCIal assist3nce Counselling fees - Diocese of Chelmsford Retreau and seminars 10.095 1.270 7.n5 1.035 10,095 1,270 7.725 1,035 13.630 1.785 7,935 17.422 20.125 20.125 40.772 (c) Investments Bank interest 70 70 57 70 70 57 (d) Other 4.253 4.253 4,253 4.253 Total iftcome 24.344 4253 28.597 45.099
PERSONAL WHOLENESS TRu¥r NOTES TO THE FINANCIAL STATEMENTS Year ended 31 March 2025 EXPENDITURE ON Toral 2025 Total 2024 Funds Funds (a) Charrtable activities Counselling Counselling fees Supervision fees Clinical lead Professional sub5rripriorts and insurance Bad debts Counsellors. trrinir 6,946 7,272 4.065 3.960 878 825 957 825 957 209 209 192 114TI 16 11477 1 &844 16.367 19.416 Allocated support costs (see n¢xes 4 )d 5) 29321 29,321 35.783 (b) Charitable actlvities lona pilgrimage 17,786 1,457 19.243 5.603 Allocated support costs (see notes 4 and 5) 5J25 5,325 6.170 6.170 24.846 Total expen&rture 35.491 3S.491 60.629 TOTAL RESOURCES EXPENDED Direct Supporr Total 2015 Tgtol 2024 Charrt2ble actsvityes Coun5elling I 1477 16,8H 5,325 29,321 6,170 35.783 24,846 13J22 21169 35.491 60.629
PERSONAL WHOLENESS TRUST NOTES TO THE FINANCIAL STATEMENTS Year ended 31 March 202S SUPPORT cosrs ALLOCATION nanc4 governance and staff costs have been all<)(a on an estirnated time b3sls of the Indivi(hJals involved. All other costs have been allocated based on an estimatr of how muth the resource 15 used by each c2tegory. The allocation i Total Tt)tdl 2025 Chart¢able activsties Counsdfing Retreats 2024 Finance Governance In7 303 120 92 3.030 121)0 915 1.015 230 15.779 3.510 1,150 472 lJ46 823 914 207 11.093 OffKe Properry 18.341 1 4844 5,32S 22,169 25,019 srAFF cosrs AND E140LUMEKrs 2025 2024 Gross wages and salaries Employer'5 NatiorRt Insur3nce contributions Employer's pension contrltwtion5 15.407 17.953 3n 388 15.779 18.341 No employee received more than £60.IMI durirq the yw (2024: re). The total enwloyee benefits of the key rarrnget personnel of the charlty were £15812024: £1,890). The average ftumber of persoD5 employed durinz the year. 2025 Number 2024 Number Average number of stsff PENSION COSTS 2025 2024 Number Number The chaiity operate5 a workplace pension scheme: . number of staff to whom accrued - costs for the year 3n 388
PERSONAL WHOLENESS TRusr NOTES TO THE FINANCIAL STATEMENTS Year ended 31 March 202S NEf INCOME I EXPENDrruRE FOR THE YEAR 2025 2024 This is stated after thargin Independent Examiner fee Depreciation 1.200 296 i.lso 396 RELATÉD PARTY TRANSAcnoNS David Blackledge 15 the principal of the sole trader business Ontolo& One member of sr3ff works for both the Personal Wholeness Trust and thtolog. The payroll is by the Personal Wholeness Trust. The proportionatr amounts are rechxrF& to Ontolo& and deducted from the payroll costs. In the financial ye3r £18.554 was rech3r¥ed ro Onrolog P024: £16.451) of whith £0 vtas outstanding at 31 March 2025 (2024: £195). 10. TANGIBLE FIXED ASSET5 Furniwre equipment Cost or valuation At l April 2024 Additions 1825 At 31 Marth 2025 1825 Depreclation At l April 2024 Charge for year At 31 March 2025 (1.936) (296) 232) Net book value At l April 2024 At 31 Marth 2025 593 DEBTORS 2025 2024 Trade debtors Other debtors Prepayments 1.235 250 20.180 3,105 362 2.150 21.665 5,677 i?
PERSONAL WHOLENESS TRusr NOTES TO THE FINANCIAL STATEMENTS Year 31 March 2025 CREDITORS . DUE WITHIN ONE YEAR 2025 2024 Trdde credrtor5 Other creditors Accruals Deferred income 1,180 13 1.139 1.071 2.880 80 40.280 44,473 5,170 13. FUNDS - MOVEMENTS IN YEAR Balance ar 31.3.25 1.414 (a) General Genernl 10.347 24.344 (35.491) (3S.491) 1925 Z125 10.347 24,3H 1925 zi (b) Designated Hardship 1.416 1.416 1.416 1.416 (b) Restrlrt Hardship 4.253 925) 1.328 4253 (1925) 1,328 11.763 2&597 (35.491) 4,869 The 8eneral fvnd represents the unrestricted funds thar are availknle for the charity to swd in line with their alms and obcDY¢s Hardshlp Thts fund was eatrd to help those who are unable to afford the full cosrs of consultation k has been financed pardy from general givtng to the charity and also from surpluses. It will be added to as funds allow. It villl continue to be used in fire years and the rate of take up 11 depend on the demand from applicant Hardshlp Personal Wholeness Tru5C to conrlnue to run professiorral Chrisri3n cOunselng ser¥fce for people on low incomes at Counsel for LiFe. The total grant aded vfa5 £11.050 fDr the two years from 24 June 2024 to 23 June 2026. but it can be spent up to 31 December 2026.
PERSONAL WHOLENES5 TRusr NOTES TO THE FINANCIAL ST ATEMENTS Year endod 31 March 2025 14. ANALYSIS OF NEf ASSEfs BY FUND Unre ResErlc(ed Funts rotal 2024 2025 593 21.665 24.484 {43201) 593 21,665 27.084 (44,473) 4.869 889 5,677 10,307 (5,170) 11.763 Dèbtor4 accrued in¢ome and prepayTnents Cash at bank and in hand Creditors due within one year {12n) 1.328 3541 15. PRIOR YEAR COMPARATIVE sfATEMENT OF FINANCIAL ACTIVITIES Unrestricted Funds Total 2024 Funds Income frnm Donations and lepci¢s Charittble actTvi£ie5 Inves¢mem5 Other 4.270 4J70 57 57 Total income 45.099 45,099 Charitable atttyitses Counsdling Retreats 35.783 24 35.783 24.846 Total expendlturè (60.629) (60.619) Net Incom• l (expenditure) Trnisfers betvRen fijnds {15530) 3.161 (15530) (3,161) Net movements in funds for the year (I 1369) .161) (15,530) Reconcillatk•n of fund Total fijnds brought forward 24.132 3.161 27293 Total fvnds carri1 fo 11.763 11,763 ia