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2025-04-05-accounts

CHARITY REGISTRATION NUMBER: 1004263

Whitefield Community Kollel Unaudited Financial Statements

5 April 2025

HAFFNER HOFF LTD

Accountants 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

Whitefield Community Kollel

Financial Statements

Year ended 5 April 2025

Page
Trustees' annual report 1
Independent examiner's report to the trustees 6
Statement of financial activities 7
Statement of financial position 8
Notes to the financial statements 9

Whitefield Community Kollel

Trustees' Annual Report

Year ended 5 April 2025

The trustees present their report and the unaudited financial statements of the charity for the year ended 5 April 2025.

Reference and administrative details

Registered charity name Whitefield Community Kollel
Charity registration number 1004263
Principal office 17 Overbrook drive
Prestwich
Manchester
M25 0BA
The trustees Rabbi J Guttentag
D Colman
S Barron
Accountants Haffner Hoff Ltd
Accountants
2nd Floor - Parkgates
Bury New Road
Prestwich
Manchester
M25 0TL

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Whitefield Community Kollel

Trustees' Annual Report (continued)

Year ended 5 April 2025

Structure, governance and management

Whitefield Community Kollel is constituted under a deed dated 29 August 1991 and amended by deed of amendment dated 2 May 2002, and further on 19 Dec 2021. It is a registered charity with a charity number 1004263, registered on the 26 September 1991.

Recruitment and appointment of new trustees would be in line with the Trust Deed and with the consent of the trustees. The criteria set for the suitable candidate would be someone who is sensitive to the needs and demands of the organisation.

There is no chief executive officer. The day-to-day affairs are undertaken by Rabbi J Guttentag on behalf of the trustees. All major decisions are taken collectively by the trustees, and all the trustees give of their time freely. The trustees are unpaid and details of any related party transactions are disclosed as applicable in the notes to the accounts. The arrangements for setting the pay of the charity's employees are the sole domain of the trustees.

There are no policies for the induction or training of new trustees.

Risk review

The Trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the Trust and are satisfied that systems are in place to manage our exposure to the major risks.

The risks faced by the trust are principally operational risks from ineffective grant making as well as ensuring the direct charitable activity is managed and maintained to the highest possible standard.

These risks are managed by the trustees researching potential beneficiaries before granting donations as well as overseeing the direct charitable activity in a way that ensures best use of resources.

Report back and review procedures strengthen these safeguards to ensure public benefit is achieved from all grants.

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Whitefield Community Kollel

Trustees' Annual Report (continued)

Year ended 5 April 2025

Objectives and activities

The objects of the charity are the promotion of Jewish education and the relief of poverty.

Public benefit

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit and in particular to its supplementary public benefit guidance on advancing education when reviewing the charity's aims and objectives and in planning future activities and setting grant making policy for the year.

Grant making policy

The charity is funded by donations. The charity gives out grants in line with the above objects.

The charity employs students so that they can further their studies.

The application of the funds by way of grants to either institutions or individuals

The trustees consider they have met the public benefit test and outline these achievements below.

The trustees measure the success of achieving the stated aims by the number and value of grants paid out for each object. The grants paid out in the year are detailed in the notes to the accounts and the trustees consider they have met their aims successfully this year.

The trustees consider the shorter-term aims to be similar to the longer term aims and assess the achievement of the charity in the same way.

Achievements and performance

During the year the charity received £119,626 (2024: £28,476) in donations.

During the year the charity spent £127,442 (2024: £120,055) on charitable activities and support costs.

The charity employed on average 12 part time members of staff who undertook to teach participants, while at the same time continuing their studies to become qualified teachers, Rabbis and community functionaries.

There were no grants made during this year.

Fundraising costs during the year were £18,261 (2024: £nil).

Related party transactions in the reporting period are as disclosed in the notes to the accounts.

The trustees would like to record their appreciation for all the financial support received from benefactors during the course of the year.

There was an overall net expenditure and net movement in funds for the year amounting to £26,077 (2024: £91,578).

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Whitefield Community Kollel

Trustees' Annual Report (continued)

Year ended 5 April 2025

Financial review

The trustees feel that the activity reflects the profile and standing within the local community. The impact for future years' expenditure is self-evident, and the trustees would like to record their appreciation for all the financial support received from benefactors during the course of the year.

Reserves policy

The unrestricted fund represents the unrestricted funds arising from past operating results. It represents the free reserves of the charity besides the tangible fixed assets and investments.

The trustees are satisfied that the balance of the fund approximates to the equivalent of 6 months operating expenditure, which is satisfactory given the nature of revenue receipts against grants payable.

Although there was net expenditure in the year, the trustees are satisfied that the charity remains a going concern.

The free reserves, represented by the net current assets of the charity stand at £31,543 (2024: £57,153) all of which are unrestricted.

Total funds of the charity stand at £34,191 (2024: £60,268).

Trustees' responsibilities statement

The trustees are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, of the charity for that period.

In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the Trust Deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

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Whitefield Community Kollel

Trustees' Annual Report (continued)

Year ended 5 April 2025

The trustees' annual report was approved on 26 January 2026 and signed on behalf of the board of trustees by:

Rabbi J Guttentag Trustee

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Whitefield Community Kollel

Independent Examiner's Report to the Trustees of Whitefield Community Kollel

Year ended 5 April 2025

I report to the trustees on my examination of the financial statements of Whitefield Community Kollel ('the charity') for the year ended 5 April 2025.

Responsibilities and basis of report

As the trustees of the charity, you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 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 examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Mr Howard Schwalbe ACA

Independent Examiner

2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

26 January 2026

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Whitefield Community Kollel

Statement of Financial Activities

Year ended 5 April 2025

2025 2024
Unrestricted
fundsTotal funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 4 119,626 119,626 28,476
Investment income 5 1
-------------------------------- -------------------------------- ----------------------------
Total income 119,626 119,626 28,477
================================ ================================ ============================
Expenditure
Expenditure on raising funds:
Costs of raising donations and legacies 6 18,261 18,261
Expenditure on charitable activities 7,8 127,442 127,442 120,055
-------------------------------- -------------------------------- --------------------------------
Total expenditure 145,703 145,703 120,055
================================ ================================ ================================
-------------------------------- -------------------------------- --------------------------------
Net expenditure and net movement in funds (26,077) (26,077) (91,578)
================================ ================================ ================================
Reconciliation of funds
Total funds brought forward 60,268 60,268 151,846
-------------------------------- -------------------------------- --------------------------------
Total funds carried forward 34,191 34,191 60,268
================================ ================================ ================================

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 9 to 17 form part of these financial statements.

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Whitefield Community Kollel

Statement of Financial Position

5 April 2025

2025 2024
Note £ £
Fixed assets
Tangible fixed assets 15 2,648 3,115
Current assets
Debtors 16 4,244 3,516
Cash at bank and in hand 41,152 75,201
---------------------------- ----------------------------
45,396 78,717
Creditors: amounts falling due within one year 17 13,853 21,564
---------------------------- ----------------------------
Net current assets 31,543 57,153
---------------------------- ----------------------------
Total assets less current liabilities 34,191 60,268
---------------------------- ----------------------------
Net assets 34,191 60,268
============================ ============================
Funds of the charity
Unrestricted funds 34,191 60,268
---------------------------- ----------------------------
Total charity funds 19 34,191
============================
60,268
============================

These financial statements were approved by the board of trustees and authorised for issue on 26 January 2026, and are signed on behalf of the board by:

Rabbi J Guttentag Trustee

The notes on pages 9 to 17 form part of these financial statements.

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Whitefield Community Kollel

Notes to the Financial Statements

Year ended 5 April 2025

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 3 Park View Road, Prestwich, Manchester, M25 1FA.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

Although there was net expenditure in the year, the trustees are satisfied that there are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements did not require management to make judgements, estimates or assumptions that affect the amounts reported.

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

3. Accounting policies (continued)

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

3. Accounting policies (continued)

Tangible assets (continued)

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

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:

Plant and machinery - 15% reducing balance Fixtures and fittings - 15% reducing balance

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

3. Accounting policies (continued)

Financial instruments (continued)

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

Defined contribution plans

Contributions to defined contribution plans are recognised as an expense in the period in which the related service is provided. Prepaid contributions are recognised as an asset to the extent that the prepayment will lead to a reduction in future payments or a cash refund.

When contributions are not expected to be settled wholly within 12 months of the end of the reporting date in which the employees render the related service, the liability is measured on a discounted present value basis. The unwinding of the discount is recognised as an expense in the period in which it arises.

4. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Donations
Donations 119,626 119,626 28,476 28,476
================================ ================================ ============================ ============================
5. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Bank interest receivable 1 1
============== ============== ============== ==============

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

6. Costs of raising donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Costs of raising donations and
legacies 18,261 18,261
============================ ============================ ============== ==============
Restricted funds
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Charitable grants 122,718 122,718 114,575 114,575
Support costs 4,724 4,724 5,480 5,480
-------------------------------- -------------------------------- -------------------------------- --------------------------------
127,442 127,442 120,055 120,055
================================ ================================ ================================ ================================

7. Restricted funds

8. Expenditure on charitable activities by activity type

Activities
undertaken Support Total funds Total fund
directly costs 2025 2024
£ £ £ £
Charitable grants 122,718 3,583 126,301 118,975
Governance costs 1,141 1,141 1,080
-------------------------------- ----------------------- -------------------------------- --------------------------------
122,718 4,724 127,442 120,055
================================ ======================= ================================ ================================

9. Analysis of support costs

Analysis of
support costs Total 2025 Total 2024
£ £ £
Staff costs 3,456 3,456 4,304
General office 128 128 96
Governance costs 1,140 1,140 1,080
----------------------- ----------------------- -----------------------
4,724 4,724 5,480
======================= ======================= =======================
Analysis of grants
2025 2024
£ £
Grants to individuals
Grants to individuals 510
-------------- --------------
Total grants 510
============== ==============

6 10. Analysis of grants

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

11. Net expenditure

Net expenditure is stated after charging/(crediting):

Net expenditure is stated after charging/(crediting):
2025 2024
£ £
Depreciation of tangible fixed assets 467 550
============== ==============
12. Independent examination fees
2025 2024
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,140
=======================
1,080
=======================

13. Staff costs

The total staff costs and employee benefits for the reporting period are analysed as follows:

2025 2024
£ £
Wages and salaries 107,229 98,587
Employer contributions to pension plans 417 414
-------------------------------- ----------------------------
107,646 99,001
================================ ============================
The average head count of employees during the year was 13 (2024: 11). The average The average head count of employees during the year was 13 (2024: 11). The average number of
full-time equivalent employees during the year is analysed as follows:
2025 2024
No. No.
Number of educational research staff 12 10
Number of admin staff 1 1
-------------- --------------
13 11
============== ==============

No employee received employee benefits of more than £60,000 during the year (2024: Nil).

14. Trustee remuneration and expenses

Rabbi J Guttentag, trustee of the charity, received £19,856 for services rendered regarding teaching, studying and administration of the Kollel. This was in line with other services and was agreed by the other trustees. Rabbi Guttentag was not paid for his duties as a trustee.

No remuneration or other benefits from employment with the charity or a related entity were received by the other trustees.

Details of other related party transactions are detailed with the related parties note.

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

15. Tangible fixed assets

Plant and
machinery Library Total
£ £ £
Cost
At 6 April 2024 and 5 April 2025 6,494 9,058 15,552
======================= ======================= ============================
Depreciation
At 6 April 2024 6,291 6,146 12,437
Charge for the year 30 437 467
----------------------- ----------------------- ----------------------------
At 5 April 2025 6,321 6,583 12,904
======================= ======================= ============================
Carrying amount
At 5 April 2025 173 2,475 2,648
======================= ======================= ============================
At 5 April 2024 203 2,912 3,115
======================= ======================= ============================
16. Debtors
2025 2024
£ £
Other debtors 4,244 3,516
======================= =======================
17. Creditors: amounts falling due within one year
2025 2024
£ £
Accruals and deferred income 1,140 1,080
Social security and other taxes 120
Other creditors 12,593 20,484
---------------------------- ----------------------------
13,853 21,564
============================ ============================

18. Pensions and other post-retirement benefits

Defined contribution plans

The amount recognised in income or expenditure as an expense in relation to defined contribution plans was £417 (2024: £414).

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

19. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At 06 At 05
Apr 2024 Income Expenditure Apr 2025
£ £ £ £
General funds 60,268 119,626 (145,703)
34,191
============================ ================================ ================================ ============================
At 06 At 05
Apr 2023 Income Expenditure Apr 2024
£ £ £ £
General funds 151,846 28,477 (120,055)
60,268
================================ ============================ ================================ ============================
Analysis of net assets between funds
Unrestricted Total Funds
Funds 2025
£ £
Tangible fixed assets 2,648 2,648
Current assets 45,396 45,396
Creditors less than 1 year (13,853)
(13,853)
---------------------------- ----------------------------
Net assets 34,191 34,191
============================ ============================
Unrestricted Total Funds
Funds 2024
£ £
Tangible fixed assets 3,115 3,115
Current assets 78,717 78,717
Creditors less than 1 year (21,564)
(21,564)
---------------------------- ----------------------------
Net assets 60,268 60,268
============================ ============================

20. Analysis of net assets between funds

21. Related parties

Donations totalling £520 were received from related parties.

Rabbi J Guttentag, trustee of Whitefield Community Kollel, is also trustee of Parkhill Charitable Trust.

Whitefield Community Kollel owes Parkhill Charitable Trust £10,000 and Rabbi J Guttentag is also owed £2,000 on an interest free basis from a previous period. The balances of these two interest free loans have not moved in the year.

Rabbi J Guttentag received £19,856 for services rendered regarding teaching, studying and administration of the Kollel. This was in line with other services and was agreed by the other trustees. Rabbi Guttentag was not paid for his duties as a trustee.

Mr D Colman, trustee of Whitefield Community Kollel, is also the husband of Mrs S Colman. Mrs S Colman is a paid secretary of Whitefield Community Kollel and has been for a number of years. Her appointment predates the appointment of her husband as trustee. During the year, Mrs S Colman received £3,456 for her secretarial duties.

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Whitefield Community Kollel

Notes to the Financial Statements (continued)

Year ended 5 April 2025

22. Taxation

Whitefield Community Kollel is a registered charity and therefore is not liable to income tax on income derived from its charitable activities, as it falls within the various exemptions available to registered charities.

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