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 P￿sent their reporc and finarKrdl sOtem￿ts 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 Well4￿nE 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 CTrxr￿Y Commission on public benefiL
ACHIEVEMENTS AND PERFORMANCE IN THE YEAR
In 2024125. the charity tontinued to de[nO￿ r￿llence 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 acc￿lbIe 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 Pr￿rShIPs.
We continue to work to meet the standards required to ffAintain our BACP Accred1￿10n, which has been
successfulty rel￿ed 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 Pri￿￿11Y represented by debtor& cash at bank and creditors. The
charitys fixed asse￿ whtth have a net book value of £593, are the furniture and equIpi￿n( needed to run

PERSONALWHOLENESS TRusr
REPORT OF THE TRUSTEES
Year ended 31 March 2025
Reserves p0￿cY
The trustees aim to maintain a balance of weral unrescritted reserves in and bank account5 (where
possible) to eq￿te 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 fi￿dS 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$5umes counselling fee5 increase by a5 a result of the ￿￿rketing iniriallves mad& although we are
anticipatin8 that income will acuAIty increase by 20% (a £4k increase in total). If a 20% increase in counseling
fees is achieved tha) the pdicy will be met at 31 March 2026.
De&￿ted fvnd5
The trustees may designate addiuonal unrestricted fun& to be retaÉned for ari agreed purpose where this is
considered to be prudent Suth de$l￿ted ffijnds are r￿eWed on an annual basis and returned tr the general
unrestritted fund tn the eyenc that the purpose cf their d￿VIatIOn 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 de￿￿￿ted 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 c￿￿ty.
A list of fruscees serving since l April 2024 ro the (tsre of this rep(xt is set oue in the r￿er￿ce 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 t￿￿t￿L.
Revd. David BlackIed8e
Revd. Geoffrey Rithardson
Debbie Pac￿ord (from 17 Marth 2025)
Mark Phillips (from 24 November 2025)
The chartty reDrds member5 of the manaFrnwrt adV￿￿Y group 35 its key personneL Durlng the perlod the
following served:
Revd. David BlackkdEe
D¢)nna Gardner
Lori NeY*ton (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 c*x￿1$¢•fftfjr,
observe method5 and principle5 in the Charitie5 SORP.
make judgements and estI￿aleS that are reasonable ar•d prud*)¢
followed. Subject to any deparrures disdosed and e*ined 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 charl￿5 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 exaMinat￿n. 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 accomp￿y1ng note5 on page5 8 zo 14 are an integral pan of these filW￿al 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 pr￿C￿￿￿n5 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$rn￿ obligation Committing
the chariy to that expenthwrt ir is probable that a uansfer of economic benefits will be required in
settlement and the amount of the obligation can be measured reliably. Expendlture is accounted for on
an accruals basis and has been classified under heading5 that 8ggreDte all costs related to that category.
Where C¢XS cannot be direcdy attrlbuted to a particular heading they have been allocated to acovlties
on a basis consistent with the use of resource&
d) Tangible fixed assets and depreciation
Indi¥ithAI items of computer equipment wed within the chariry a purchase price of over £250 are
)itslised icen)s with a purchase prio of U50 or less when the assec Is acquired are written off as
incurrai Capitslised cornw￿r equpment is (kpreciated on a straight line basis over 4 year5.
•) Tax¥tion
Going concern
Th¢ firRn(ial S¢atemenrs have been prepred on a going concern basis as the tru5¢ee5 belie￿ that the kyel
of hJnd$ 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: r￿￿e).
The total enwloyee benefits of the key ￿rarrnge￿t 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 ob*cDY¢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 fi￿re years and the rate of take up ￿11 depend on the demand from applicant
Hardshlp
Personal Wholeness Tru5C to conrlnue to run professiorral Chrisri3n cOunsel￿ng ser¥fce for people on low
incomes at Counsel for LiFe. The total grant a￿ded 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 carri￿1 fo
11.763
11,763
ia