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2025-09-30-accounts

REGISTERED NUMBER: 02788761 (England and Wales)

AGE UK WESTMINSTER

(A company limited by guarantee)

Report and Financial Statements

Year ended: 30 September 2025

Charity no: 1018300 Company no: 2788761

AGE UK WESTMINSTER

CONTENTS OF THE ANNUAL REPORT AND FINANCIAL STATEMENTS for the Year Ended 30 September 2025

Page
Report of the trustees
(Including legal and administrative information) 1
Report of the auditors 37
Consolidated statement of financial activities 40
Consolidated and charity balance sheets 41
Consolidated Cash flow statements 42
Notes forming part of the financial statements 43

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES for the Year Ended 30 September 2025

The trustees are pleased to present their annual directors’ report together with the consolidated financial statements of the charity and its subsidiary for the year ending 30 September 2025 which are also prepared to meet the requirements for a directors’ report and accounts for Companies Act purposes.

The financial statements comply with the Charities Act 2011, the Companies Act 2006, the Memorandum and Articles of Association, and Accounting and Reporting by Charities: 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) (effective 1 January 2015).

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CHAIR’S REPORT

It is my privilege, as Chair of Trustees, to present this year’s annual report on behalf of Age UK Westminster.

This year has been one of both challenge and progress. As the needs of older people across Westminster continue to grow, so too does the importance of the support we provide. Rising living costs, increasing social isolation, and the ongoing pressures on health and social care services mean that many older residents are facing significant daily challenges. Against this backdrop, our mission has never been more vital.

I am continually inspired by the resilience of the people we support and the dedication of our staff and volunteers.

Their compassion, professionalism and unwavering commitment ensure that we are able to deliver highquality services that make a real difference—whether through advice and information, practical support, or opportunities for connection and community.

This year, we have continued to strengthen our services and deepen our impact within the local community. We have reached more older people, expanded key programmes, and worked in partnership with local organisations to respond effectively to emerging needs. None of this would be possible without the generosity of our supporters, whose contributions enable us to continue this essential work.

I would also like to take this opportunity to thank my fellow trustees for their guidance and oversight. Their expertise and dedication play a crucial role in ensuring the charity remains strong, well-governed, and focused on its strategic priorities. Looking ahead, we remain committed to building a future where every older person in Westminster can age with dignity, independence, and a sense of belonging.

While challenges remain, I am confident that, together, we can continue to make a meaningful and lasting difference.

On behalf of the Board of Trustees, thank you to everyone who has supported Age UK Westminster over the past year.

Fiona Healy-Connelly,

Chair

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MESSAGE FROM CEO

This year has been one of continued demand, adaptation, and impact for Age UK Westminster.

Across our borough, we are seeing increasing numbers of older people facing complex and often overlapping challenges. The rising cost of living, ongoing pressures on health and care services, and the persistent issue of loneliness and isolation have all contributed to a growing need for our support. In response, we have remained focused on delivering high-quality, person-centred services that meet people where they are and respond to what matters most to them.

Over the past year, our dedicated team of staff and volunteers has supported older people across Westminster through a wide range of services. From providing trusted advice and information, to delivering practical support and creating opportunities for social connection, our work continues to make a tangible difference in people’s lives every day.

We have also strengthened our partnerships with local organisations, funders, and community groups, recognising that collaboration is essential to addressing the complex challenges facing older people. By working together, we are able to extend our reach, enhance our services, and ensure that support is accessible to those who need it most.

I am particularly proud of how our organisation continues to adapt and innovate in response to changing needs. Whether through developing new initiatives, improving service delivery, or listening closely to the voices of older people, we remain committed to continuous improvement and meaningful impact.

None of this work would be possible without the generosity of our supporters and the commitment of our volunteers. Your support enables us to be there for older people at times when it matters most.

As we look ahead, we are clear about the challenges—but also confident in our ability to meet them. With a strong team, committed partners, and a shared sense of purpose, we will continue working towards a Westminster where every older person feels valued, supported, and connected.

Thank you for being part of that journey.

Mehfuz Ahmed,

CEO

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ABOUT US

Age UK Westminster exists to promote the well-being of older people in the City of Westminster and to help make their lives a fulfilling and enjoyable experience. We focus on services that reduce financial hardship, disadvantage and social isolation for older people in our local community.

Information & Advice

Age UK Westminster is a delivery partner for the "Westminster Advice Services Partnership", focused on the delivery of I&A services for older people in Westminster. We provide drop-in surgeries and appointments at community locations across the borough; outreach into the community, home visits for those who are housebound, and an enquiry line for information and signposting.

Complex Needs Support Service

We provide Information, Advice, Advocacy & Support to older people and their carers in Westminster on and around a range of complex issues they are facing in their lives. This includes but is not limited to welfare benefits, housing & social care, health care, bereavement, family life and loneliness.

Cost of Living Advice

This involves supporting clients to maximise their income. The adviser assists clients by carrying out benefit checks and benefit applications. For those on means-tested benefits, low income, referrals are made on their behalf to the Cost-of-living support fund and for charitable grants.

Befriending

This project provides weekly visits by a volunteer to older people to reduce their social isolation, particularly when they are housebound. A telephone call is available for those who don't want a volunteer visit.

General & Older Volunteering

This project provides a wide range of volunteer opportunities suitable for all ages, needs and abilities with no upper age limit to who can apply.

Digital Inclusion

This project helps older local residents make the most of the internet and their electronic devices in later life and help towards preventing loneliness and isolation. Age UK Westminster offers both group sessions and 1:1 support.

CNWL Digital Inclusion

Funded by CNWL NHS Trust, the KCW Social Isolation project is delivered by Age UK Kensington & Chelsea and Age UK Westminster in partnership. The project provides digital inclusion learning and guidance to adults aged 55+ referred by the bi-borough Older Adults Mental Health team.

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Maintenance Cognitive Stimulation Therapy (MCST)

Face to face sessions available for people living with dementia in Westminster. Group members take part in meaningful and stimulating activities through our weekly 24- session Maintenance Cognitive Stimulation Therapy (MCST) programme proven to help maintain memory and mental function. The groups provide a fun, supportive environment where people can build new relationships.

The Heart of Westminster Memory Cafe

The Heart of Westminster Café is a Memory Café for Westminster which offers a relaxed, informal setting for people with dementia and their family, friends and carers to get together. The Heart of Westminster Café provides a mixture of talks, information and advice, entertainment and activities.

Wellbeing & Connections Post Hospital Discharge

Age UK Westminster's Wellbeing & Connections Service provides vital assistance to older Westminster residents as they return home after a hospital stay or major health event. This free service from our Wellbeing & Connections team supports those aged 60 and over in making the adjustment back to independent living.

Exercise at home

Exercise at Home is a service that offers home-based sessions for individuals who might be housebound, living with chronic conditions, having mobility and balance issues, and find activities of daily living challenging.

Fit4Life

Age UK Westminster’s Fit 4 Life project provides a range of activities and fun exercise classes at a range of community venues across the borough, as well as in the comfort of your own home. Classes are suitable for all, from gentle to more vigorous and challenging sessions.

Activities

Offering a diverse array of activities and services to support older people in the local community. Helping older adults live independently, stay active, and remain engaged with their local surroundings.

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STATEMENT ON PUBLIC BENEFIT

The Trustees confirm that they have complied with the duty in section 17 of the Charities Act 2011 to have due regard to the Charity Commission’s general guidance on “charities and public benefit”. Age UK Westminster exists to promote the wellbeing of older people in Westminster and help to make later life a fulfilling and enjoyable experience. All benefits flow from this aim and are achieved through the many services areas which are described below. The beneficiaries are residents of the City of Westminster aged fifty and over. Whilst small charges are made for some services, no individual is excluded by inability to pay.

OUR PURPOSES AND ACTIVITIES

Objectives

Age UK Westminster’s principal aims are:

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OUR MISSION AND OUR VALUES

OUR MISSION

Our aims are:

Age UK Westminster will promote and support individual rights and choice within our services.

Users are entitled to:

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WHO WE SERVE

Age UK Westminster is dedicated to serving the diverse needs of its residents across all demographics. In this annual report, we present a comprehensive analysis of the demographics of our clients, providing valuable insights into the population we serve.

77% of our clients are aged 65 and above. This underscores the importance of our efforts in addressing the unique requirements of this demographic, including assisting clients accessing all benefits they’re entitled to and opportunities for social engagement.

Geographically, our clients are spread across various wards within the Westminster area, with notable concentrations in Church St (11%), Queens Park (9%), Marylebone High St (7%), and Harrow Road (7%). This information enables us to allocate resources effectively and adapt our outreach strategies to better serve the specific requirements of each community.

Age

Wards or Areas

Abbey Road: 6%, Bayswater: 4%, Bryanston & Dorset Sq: 1%, Church St: 9%, Churchill: 1%, Harrow Road: 7%, Hyde Park: 3%, Knightsbridge & Belgravia: 1%, Lancaster Gate: 3%, Little Venice: 7%, Maida Ward: 8%, Marylebone High St: 4%, Pimlico North: 5%, Pimlico South: 2%, Queens Park: 7%, Regents Park: 7%, St James: 3%, Tachbrook Road: 3%, Vincent Square: 5%, Warwick Road: 1%, West End: 5%, Westbourne: 6%.

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OUR TRUSTEES

Our board of trustees are an elected group of individuals that has overall responsibility for the management of Age UK Westminster. The board seeks to ensure the best interest of service users in all types of management decisions.

Fiona Healy-Connelly Chair of Trustees

Dr Ann Black Vice Chair

David Dumford-Slater Trustee

David Kent-Lemon Trustee

Neil Carthy Treasurer

Michele Mestrinaro Trustee

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OUR IMPACT

number of client contacts 22,893

volunteer hours donated 11,642

1,138,347.75 financial gains for our clients

visitors to our website 15,391

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OUR SERVICES

Information and Advice

The Information & Advice (I&A) team is dedicated to supporting older residents in Westminster by offering expert guidance and connecting them with a variety of services. Whether through Age UK Westminster or our trusted voluntary sector partners, we ensure individuals receive the assistance they need.

Our mission is to enable older people to live independently, confidently, and enjoyably by addressing their specific needs and challenges.

The team provides support in several key areas, including:

£1,138,348 gained for older people in Westminster

3,347 contacts made with older people, their families and carers

1,303 older people supported by the service

318 older people signposted to other services

169 Home visits

273 Internal referrals

issues identified 1,735

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Information & Advice Case Studies

Mrs P was referred to our I&A service by her GP because she was struggling financially and couldn’t afford to heat her home. Our adviser carried out a benefit check at the first appointment which determined that she was eligible to apply for Attendance allowance (a disability benefit). The Adviser assisted her to apply for the benefit. Mrs P was awarded the higher rate of Attendance Allowance of £110.40 per week with a back payment of £1435.20. The money made it possible for her to pay her heating bills and budget better.

She said that “Am very grateful for the help Age UK Westminster provided, am now able to manage my expenses, the financial strain was affecting my health.”

Mr M was struggling to get in and out of the bath, his sister contacted us to see what help was available. Our Adviser referred Mr M to Westminster Adult social services for a care needs assessment. A walking shower was installed after a few months of back and forth, the adviser called ASC regularly to check for updates on Mr M’s behalf.

Mr M said, “The walk-in shower has given me a new lease of life, I am now able to take care of my personal hygiene better, I cannot thank Age UK Westminster enough”.

Mrs B attended one of our community outreach venues for advice regarding her benefits. She was living on a state pension of £128 a week with no other benefits or pensions. Our Adviser carried out a benefit check which determined that she was eligible to apply for pension credit guarantee. She assisted Mrs B to apply for the benefit. Mrs B was awarded Pension credit of £99.10 a week with a back payment of £1585.60.

Mrs B said that “I didn’t realise that Age UK Westminster offered this type of support, am now able to buy the food I need and also heat my home, I will tell my friends about the wonderful support Age UK Westminster provides”.

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Befriending

Age UK Westminster is dedicated to tackling social isolation among older residents in Westminster, recognising the significant impact loneliness can have on both mental and physical health. To address this issue, we offer a one-toone befriending service for older adults who are vulnerable, live alone, or experience social isolation.

This service carefully matches individuals with kind and supportive local volunteers who commit to weekly visits. During these visits, Befrienders provide meaningful social interaction, emotional support, and companionship. They also encourage an active lifestyle by joining them on short walks and helping with light tasks.

For those who prefer or require remote support, we also provide a telephone befriending service. Volunteers make weekly 30-minute phone calls to one or more older adults at risk of loneliness, offering connection and reassurance. Research shows that regular phone conversations can have a positive impact on the mood and well-being of older people.

Through these personalised befriending services, Age UK Westminster is committed to reducing loneliness and fostering a sense of community, improving the overall quality of life for Westminster’s older population.

107 Befriending matches

9,360 Befriending hours- in- person

884 Befriending hours- telephone

10,244 Befriending volunteer hours

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Christmas Project

For more than 20 years, Age UK Westminster has successfully executed the Christmas project in partnership with St Paul’s School. This initiative provides companionship and joy to isolated older individuals on Christmas Day, offering a festive meal, a thoughtful gift, and the company of a friendly visitor. Distinguishing itself as the sole organisation in Westminster delivering to older residents at home on Christmas Day, Age UK Westminster plays a crucial role in addressing the challenges posed by the continuing cost of living crisis in 2024.

This year 2024 witnessed an increased demand for financial assistance among older residents grappling with various issues, including benefit checks, charitable grants, food bank referrals, debt, rent arrears, and potential homelessness. Recognising the added strain on older people during the holiday season, Age UK Westminster collaborated with local funders, corporate supporters, and volunteers to extend a helping hand. This involved the provision of Christmas lunches, gifts, and engaging activities throughout December.

Teaming up with St. Paul’s School, Age UK Westminster successfully prepared and distributed 300 Christmas lunches on Christmas Day to vulnerable older residents in Westminster. The dedicated team of 50+ volunteers, including school staff, parents, and children, covered delivery areas in SW1V, SW1P, NW8, W2, W9, W10, W11, WC2N, W1F.

13 Festive Activities

15 Corporates Supported the Project

650+ Older people benefitted from the project

10,244 Befriending volunteer hours

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Volunteering

Our volunteers play a vital and irreplaceable role in enhancing the lives of older people in Westminster. With a diverse range of skills, extensive experience, and boundless creativity, our volunteer team achieves remarkable results, delivering invaluable support and services to our community.

We warmly welcome individuals of all ages and backgrounds who are keen to dedicate their time to supporting older people in Westminster. Our volunteer opportunities cover a wide variety of impactful roles, including:

Our volunteer roles include:

190 Age UK Westminster Volunteers

284 Corporate Volunteers

Volunteer Hours 11,642

27 volunteers aged 65+

£187,319.78 equivalent value of volunteer hours

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Volunteering Case Study

Feedback

“I enjoy talking to my client, exploring the local area, and trying new activities with him, and I believe I am making a difference in his life.” “The Volunteer Awards Ceremony at Westminster City Hall made me feel more like part of the Age UK volunteer team.”

“Having a good laugh together, learning about other cultures, and hopefully being a support to someone less fortunate than oneself.”

Case study

Sophia is one of our long-standing Telephone Enquiries and Signposting Volunteers, who started her role with us over 3 years ago. Having Sophia as part of our Information & Advice volunteer team has been invaluable. Besides providing general information to our service users, Sophia also often interprets information to many Urdu-speaking callers with limited English who would have struggled to access services because of a language barrier.

Sophia says, “I find my work rewarding! Being able to assist people who struggle to access services offered by the Westminster council.”

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Activities

Age UK Westminster offers a diverse array of activities and services to support older people in the local community.

As a charity with over 70 years of experience, we are deeply committed to helping older adults live independently, stay active, and remain engaged with their local surroundings.

During the 2024/2025 period, this included:

Exercise Classes: We provided a variety of exercise classes designed to help older people maintain their strength, balance, and flexibility, enabling them to stay active and healthy.

Social Clubs: Our social activities and events offered older adults the opportunity to make new friends and enjoy a range of enriching pursuits, such as arts and crafts, games, and outings to local attractions.

Coffee Mornings with Informative Talks: These allowed our clients to learn something new in the company of like-minded older adults, fostering a sense of community and intellectual stimulation. Through this diverse array of activities and services, Age UK Westminster is dedicated to supporting the overall wellbeing of older people in our local community.

465 Clients participated in Activities

311

Activities Held

Attendances 4,533

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Activities Case feedback

“Age UK is such an amazing institution, and specially you and all the people from Westminster side who organize such good and entertaining events. That makes such a difference to the lives of the members who, in the majority, are retired.” “The event has brought us members of Age UK Westminster the spirit of togetherness that we celebrated Black History Month. The entertainment was most joyful everyone having a great time. Beyond the afternoon tea and treats, the singing voice of Sharon was the highlight, everyone dancing and having fun. Thank you very much Steve, Souad and Vesna at Age UK Westminster for their tireless input that the event was so successful.”

“I appreciate the way Age UK is helping the aged with both mental and physical activities. Thank you, Age UK.”

“Just stopping by to say a Big Thank you for the excellent and exceptional Christmas events you put on for us all at Age U.K. “

“The 'Never for Ever' restaurant in Kentish Town was so much fun together with the other venue 'The Elgin Gastro Pub' in Maida Vale. I had a fantastic time; the food was Amazing !! I enjoyed meeting new people too.

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Digital Inclusion

Age UK Westminster helps residents aged 50+ gain confidence and knowledge in using digital devices like smartphones, tablets, iPads, and laptops.

The service offers both group sessions and one-on-one support, catering to individual learning preferences and needs.

Whether it's connecting online to access local services, shopping online, learning to use Zoom for virtual activities, setting up email and WhatsApp accounts, or staying in touch with loved ones through video calls, Age UK Westminster’s Digital Inclusion Service is here to help.

Becoming digitally connected can reduce feelings of isolation, loneliness and can improve physical and emotional wellbeing.

Topics covered included: Computer basics, Email & Skype, Using the internet, Internet security, Music & audio, Smartphones & tablets, Social networking and government services, shopping & banking Online.

“I had the good fortune to meet with your volunteers at a library digital support drop-in and they sorted me out with WhatsApp on my new phone.”

70 Group sessions

37 1:1 sessions

290 Benefitted from group sessions

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Digital Inclusion Case Study

Mr N is currently benefitting from the loan of a Doro 8200 smartphone that we purchased for our digital library using funds from The Percy Bilton Charity. The Doro 8200 is an “easy to use” smartphone designed with older users in mind that has features such as the choice between a regular Android or a more intuitive interface, ClearSound to make conversations clearer for those experiencing age-related hearing loss, an assistance button to send alerts and connect the user to friends and family if they are in need of help – for instance in case of a fall - and TeamViewer, an app which enables the user to invite someone to access and assist them with their phone directly from their own device, preinstalled. The funding from The Percy Bilton Charity enabled us to purchase one of these devices for our digital library for the first time.

Alongside the loan of the phone, we have been able to provide Mr N with one-to-one support to help him learn to use it and six months’ worth of free data to get him online.

In our first support session, we offered Mr N the choice of the loan of the Doro or an iPhone. He chose the Doro as it felt intuitive to use to him whereas he felt “scared” when shown the iPhone. We then went through the set-up of the phone, including adjusting accessibility settings to set the phone up with large icons and a large, bold font. The Doro 8200 has a greater range of accessibility settings than a standard smartphone and the interface is still easy to use when set to large icons.

So far in our one-to-one support sessions, we have explored the phone and searching the internet to find information about a workshop he wished to attend. He was then able to book a slot to attend the workshop via Eventbrite, find the tickets in his newly created email account and use Google Maps to find out how to get there on public transport.

Mr N says that the Doro is “lovely” and makes him “feel at ease and comfortable when using it”. He feels “confident” and “relaxed; not tense and worried that this is new equipment that he can’t manage to use”. He “never knew that something as easy to use as this existed” when it was shown to him. A particular feature that he likes is the tutorials on the use of the phone which he finds “so helpful” as they go through everything “step-by-step" and he can “read, understand and practice” and so “can teach himself”. He says that it is “like having a teacher with you all the time”.

If the phone rings on the bus, he says that he “doesn’t feel embarrassed as with his current phone” and he feels that it is “like a modern phone, equal to Apple”. He says that he is “getting very attached” to the Doro! He says that it is a “good phone to start out on” and “the way the tutorials are done is perfect”. He recommends that we use the Doro with our other digital learners and says that it is the “nicest thing, others really have to try”.

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Dementia Support

Age UK Westminster provides a range of activities designed to support memory and cognitive function for people living with dementia.

Through the Maintenance Cognitive Stimulation Therapy (MCST) programme, participants engage in meaningful and stimulating activities proven to help maintain memory and mental abilities. These sessions offer a fun, supportive environment where individuals can connect with others and form new relationships.

MCST activities include:

Additionally, the Heart of Westminster Memory Café, run in partnership with The Salvation Army’s Regent Hall, offers are relaxed and welcoming space for individuals with dementia, their families, friends, and carers.

At the Memory Café, attendees can enjoy a mix of informative talks, advice and support, entertainment, and engaging activities, fostering a sense of community and connection.

43 Specialist MCST sessions

11 Hearts of Westminster Memory cafes

283 attendances at group sessions

92 Clients accessing the projects

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Dementia Feedback and Case Study

Feedback

“I really enjoy coming to the Age UK Westminster sessions at St Marylebone Parish Church. They are stimulating (good brain exercise) and get me out (good physical exercise) both of which are important for elderly people with memory problems, especially if they live alone.”

“This has become a ‘Family’ get together for my wife and I. It has helped us to get out of our isolation. We’ve had a mix of volunteers assisting Steve. That helped to give us ‘different’ perspectives. Very friendly, kind volunteers. Keep it all up.”

“Very useful exercises to stimulate the brain and memory. Excellent opportunity to interact with other people of a similar age and condition. Really enjoyable and wish to continue to participate.”

“It is such a delight to come on Tuesdays to St Marylebone Church. It has changed my life from being dull to full of confidence. It gives us a chance to get out of the house and not die of boredom and doing nothing at home.”

Case study

After a diagnosis of vascular dementia 10 years ago Ms X (76) began to find herself not being invited out with friends and began to find herself increasingly isolated. Ms X worried it was because she could not keep up or contribute to conversations as she used to which only exacerbated her feeling of isolation and depression. Our Maintenance Cognitive Stimulation Therapy (MSCT) programme has given Ms X a place where she can be herself and be with people who share the same issues as her. It has helped Ms X connect to a network of support and make friends. There is no judgement in the group -as she said-, the participants can be themselves, there is lots of laughter and lots of understanding.

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Lunch Club

Age UK Westminster’s lunch club provided a welcoming and supportive space for older residents in the Lancaster Gate ward during 2024-2025. This initiative offered not only a nutritious meal but also an opportunity for social connection and access to vital support services.

Designed for individuals aged 50+ at risk of isolation or loneliness—whether living alone or without nearby family and friends—the lunch club served as a lifeline for those affected by the cost-of-living crisis. Attendees were greeted with warmth and care, enjoying hot meals while receiving information and referrals to additional Age UK Westminster services, such as befriending, dementia support, and benefits advice.

The lunch club also celebrated special occasions and holidays, fostering a sense of community and togetherness. For many, it served as an entry point to the broader range of services offered by Age UK Westminster, raising awareness about ways to enhance independence and overall wellbeing.

This essential service highlighted Age UK Westminster’s community-focused approach, addressing immediate needs like food insecurity while proactively combating the long-term impacts of loneliness. By bringing people together and providing practical support, the lunch club embodied the charity’s mission of helping older residents lead fulfilling and connected lives.

31 Clients who participated in Lunch club

23 Sessions

306 attendances

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Lunch Club Case Study

Mrs D attends the Lunch Group as often as she can. She suffers from various health conditions as well as issues with her accommodation. The Lunch Group is a welcome respite from her daily struggles. She very much enjoys the company as she lives alone, takes part in conversation with others and sometimes even sings for us!

Mrs D always tells us how much she appreciates the food, especially the fresh fruit and the vegetables (we serve 3 different types of vegetables with every meal). Due to her mobility and health issues, she is limited in what she can carry back home from the shops. Mrs D has also joined the group on a trip to Windsor which she enjoyed very much as a rare trip outside of London. Attending the group has made a big difference in Mrs D’s life by supporting her mental health and wellbeing, as well as providing optimal nutrition for her general health.

“I had a terrible night with my insomnia, but I always look forward to coming to lunch, so I made the effort. Thank you for the vegetables and the banana. It's difficult for me to go out shopping and I miss out on my vegetables because they are heavy for me to carry."

“It was fantastic. I liked the boat trip, the scenery and the nutritious dinner, the venue and the company. It was nice to get out of London.” (trip to Windsor)

“I still think about the trip to Windsor. It was like a different world.” (a few months later) We have also providing additional support to Diana such as referring to Westminster Connects for a volunteer to help with shopping, referring to I&A for help with housing issues, signposting to the website for FreeWillsMonth and Diana has also received Christmas Lunch as a recipient of the Christmas Lunch Project.

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Ukrainian Response Team Support

During this period, the Ukraine Project supported Ukrainian clients to access Age UK Westminster services, including Community Outreach, Activities, Volunteering, Information & Advice, and Digital Inclusion. The project was expanded in August 2025, increasing delivery from one day to three days per week, including a weekly support session held at the Ukraine Welcome Centre. This extension strengthened service access and improved support for clients with limited English.

Key Achievements

Improved access to activities and community engagement: The project facilitated participation in Age UK Westminster activities and Welcome Centre sessions, supporting social connection, wellbeing, and inclusion through accessible, visual-first and group-based approaches.

Enhanced Information & Advice and digital support: Strong referral pathways and increased delivery of digital sessions, 1:1 support, and home visits improved clients’ ability to access Information & Advice, navigate health and social care systems, and build independence.

Looking Ahead (2025–2026)

Continue to strengthen volunteer recruitment and training, particularly for language and digital support roles. · Maintain integrated delivery through the Welcome Centre and community based sessions, ensuring Ukrainian clients can access activities, advice, and health and social care support more independently.

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Exercise at Home

At Age UK Westminster, we understand the importance of staying fit and active, especially for those who may find it more challenging. Our Exercise at Home sessions are designed to improve mobility, build strength, and help reduce stress levels.

This service provides tailored, home-based exercise sessions for individuals who may be housebound, living with chronic conditions, experiencing mobility or balance issues, or struggling with daily activities.

The Exercise at Home programme continued to support clients during 2024–25, although service delivery evolved in response to funding and staffing changes.

From April 2025, participant numbers began to decline due to the absence of further external funding. In June 2025, following the departure of the Exercise at Home Coordinator, the service was formally reviewed.

A decision was made to discontinue the one-to-one Exercise at Home model for new referrals while maintaining support for existing clients. To ensure continuity of wellbeing support, key elements of the programme, including walking support and basic at-home exercises, have now been integrated into the Befriending Service.

This revised approach allowed clients to continue receiving physical activity encouragement alongside social support, while making best use of resources. As a result of this service change, service data for the latter part of 2024–25 reflects reduced participation within the standalone Exercise at Home service and increased activity delivered through the Befriending Service.

212 Number of clients contacts

32 Clients accessing the service

80 Exercises session delivered

132 Supported walking sessions

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AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

Post- discharge Support Service

Age UK Westminster’s Post-discharge support service provides essential support to older residents in Westminster as they transition back to independent living after a hospital stay or major health event. This free service is available to those aged 60 and over, helping them adjust and regain confidence at home.

Once a referral is received, our team conducts an initial home visit to assess the client’s immediate needs. We offer short-term assistance with essential tasks such as light shopping, collecting prescriptions, contacting GPs, and providing a friendly point of contact during the critical first weeks at home.

Following these initial visits, clients are connected to ongoing Age UK Westminster services such as Befriending, Exercise at Home, and Digital Inclusion, as well as to other relevant charities, council services, and community organisations. This holistic approach ensures a smooth transition and promotes long-term independence.

Referrals can be made directly by older adults or through family, friends, health workers, or medical professionals.

The service reflects Age UK Westminster’s dedication to empowering older residents to age well. By easing the transition home, we help build a foundation for sustained independence and improved wellbeing.

32 Clients assessing

64 contacts

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AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

Post- discharge Support Service

Page 28

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

Post- discharge Case Study

An 85-year-old lady was referred to us by her sister as the client’s husband had been admitted to hospital. The client is registered blind and relies on her husband for many things, including getting out and about. The client’s sister came to stay for a short while from Ireland and wanted to see if there was anything we could do to help as she had to return home.

We called the client who was interested in the service, but feeling a bit ‘frazzled’ as her husband had recently been discharged and she was busy settling him in. She called back a few days later and we discussed what had been happening and how we could help.

After a few false starts, the client had a number of medical appointments, we eventually got to see her and her husband about a month after the original referral. In that time, a carer from the council had been appointed to assist with the client’s shopping concerns.

When we met, the couple explained that they like to be independent and that a few things that would help them would be getting a taxi card and updating their Blue Badge. We discussed our other services (befriending, digital inclusion etc.) but they were not of interest. We made a referral to the Information and Advice team to help with this and let the couple know that they could reach out to me in the future if needed. We agreed that we would call in a month to check in.

When we called, they explained that the husband was feeling much better and that they had been out on some lunch dates to restaurants around their home. I spoke with both of them and both seemed much happier.

They feel they have enough support for now and have our details and the Enquiries line number should they need anything moving forward.

Page 29

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

Future Plans

Looking ahead, Age UK Westminster is committed to building on its strong foundations to deliver greater impact for older people across the borough. As we navigate an evolving funding landscape and increasing demand for services, our focus will be on sustainable growth, innovation, and strengthening our role as a trusted local partner.

Strengthening and expanding our services

We will continue to invest in our existing services to ensure they remain high-quality, responsive, and impactful. Alongside this, we will actively seek new funding opportunities to expand provision in areas that are currently underfunded or where demand is increasing.

Building stronger partnerships and profile

We will continue to build on our strong track record of partnership working, deepening relationships with commissioners, local organisations, and the wider Age UK network. Strengthening collaboration, particularly with organisations representing global majority communities will help ensure our services are inclusive, relevant, and accessible.

At the same time, we aim to enhance our visibility and reputation as a trusted delivery partner and expert voice on issues affecting older people in Westminster.

Embedding community voice and co-production

Central to our future approach is a continued commitment to co-production. We will actively involve older people and local communities in shaping our services, ensuring their voices are at the heart of everything we do.

Our immediate priorities

Over the next year, we will focus on three key priorities:

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AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

Funding

Age UK Westminster is funded through a variety of sources, including grants, donations, and income generated from our own fundraising activities.

Grants

One of the biggest sources of funding for Age UK Westminster comes from grants. We receive funding from both local and national grant givers, which helps to support our core programs and services. This grant funding is often provided on a yearly basis and is subject to certain conditions and requirements.

Donations

We also rely heavily on donations from individuals and organisations. These donations come from a variety of sources, including members of the public who want to support the charity's work, local businesses, and philanthropic organisations. Donations are typically used to support specific projects or initiatives, such as funding our dementia support program or digital inclusion services.

Fundraising Activities

In addition to grants and donations, we also generate income through our own fundraising activities. This can include events, online campaigns, and other initiatives. The funds raised through these activities are used to support the charity's ongoing work and to help expand our programs and services.

We are deeply grateful for the support of all our funders, whose generosity enables us to continue providing vital services and support to older adults in our community.

Page 31

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

Activities Highlights

FINANCIAL REVIEW

The financial statements cover the consolidated activities of Age UK Westminster for the year ended 30 September 2025. The year has seen a surplus in financial performance with a positive net movement of funds of £9,501 (2024: £79,080). Our Total Funds balance is now £580,085 (2024: £570,584).

The charity staff have continued to focus on making grant applications to funding bodies that appreciate our wide volunteer base and expertise in identifying the needs of older people in our area. Income from Charitable Activities was £870,221 (2024: £921,096) and income from donations, legacies and fundraising were £17,496 (2024: £53,026).

Overall expenses at the group rose to £860,720 (2024: £842,016) as the charity personnel base expanded in line with the increased funding received over the last several years and to crucially support the vulnerable members of our community. The increase in charitable activity expenditure rose to £718,764 (2024: £703,660) is a result of us deploying our restricted funds on the projects for which they were granted. The cost of raising funds was higher than the previous year at £141,956 (2024: £138,356).

Our support costs decreased to £74,261 (2024: £76,654) due mainly to closely managing costs. Support costs comprise 10% (2024: 11%) of the Charity’s expenditure (defined as Total expenditure less trading subsidiary expenses). While we aim to cover our support costs by donations, legacies and fundraising in some years that is not the case and our support costs are then met from our unrestricted funds balance. We are increasingly trying to obtain total cost recovery from our funding partners where the nature of the project makes that possible.

Bid writing to charitable trusts and other grant giving bodies continued in a more competitive environment. We are grateful to all our donors and funders for their support Bid writing to charitable trusts and other grant giving bodies continued in a more competitive environment. We are grateful to all our donors and funders for their support.

RESERVES POLICY

The Board aims to hold 3-6 months’ expenditure as free reserves in these uncertain times. At 30[th] September 2025, the group held £580,085 in total funds (2024: £570,584), of which £188,578 (2024: £146,780) are restricted. Subtracting these, designated funds and fixed assets leaves £285,307 (2024: £313,106) free reserves which equates to 4.7 months (2024: 6.7 months) of group expenditure.

In setting the reserves policy the board of trustees considers the level and stability of the charity’s income; the cost of ceasing operations if funding is withdrawn; the charitable objectives of the charity; and the future expenditure plans of the charity.

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AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

FIXED ASSETS

Movements in fixed assets are disclosed in notes 10 and 11.

TRADING SUBSIDIARY

The subsidiary trading company, Age UK Enterprises (Westminster) Limited, operates charity shop in the northern part of the borough. Our shop is located on busy Harrow Road but consequently requires paying a high annual rent. Trading at this shop has been satisfactory.

The subsidiary owes the charity £2,106 (2024: £8,997) which consists of a five-year loan with monthly payments of principal and interest and monies owed on the inter-company account. The balance on the loan is £nil (2022: nil). The subsidiary is making all payments on time and we do not expect the loan to be redeemed early. The loan is secured by substantially all the assets of the subsidiary company and the debenture has been registered with Companies House.

The trading subsidiary donates any taxable profits to the charity as disclosed in note 21.

RISK MANAGEMENT

The major risks to which the charity is subject have been identified by the board as including (mitigating actions in italics) :-

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AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

PLANS FOR THE FUTURE

Age UK Westminster is strategically focussed on the following priority items:

We intend to fulfil these aims through a number of parallel initiatives:

We look forward to a period of selective and sustainable growth in our efforts to address the increasing needs of older people in the City of Westminster.

REFERENCE AND ADMINISTRATION DETAILS

A Black (Vice Chair) N Carthy D Durnford-Slater F Healy Connelly (Chair) M Mestrinaro D Kent-Lemon J Levack R Meena Kaushik

f) AUDITORS: Goldwins Chartered Accountants and Statutory Auditors 75 Maygrove Road London, NW6 2EG

g) BANKERS: Lloyds Bank

195-197 Edgware Road, London, W2 1ET

Page 34

AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2025

STRUCTURE, GOVERNANCE AND MANAGEMENT

Age UK Westminster is a charity and company limited by guarantee, established in 1947 and governed by a Memorandum and Articles of Association. Its mission is “to promote the well-being of older people in the City of Westminster to help make later life a fulfilling and enjoyable experience”.

The Board of Trustees of Age UK Westminster governs its affairs. Trustees are also directors of the Company. The Articles of Association provide for The Board of Trustees to be composed of six elected members and up to four coopted members. The Board takes overall responsibility for ensuring that the financial, legal and contractual duties of the charity are met and that there are satisfactory systems of financial and other controls. It decides on policy and strategy and ensures the organisation fulfils its objectives. The Board meets monthly, except for August and December and Board Meetings are attended by the Chief Executive and such other staff as are required from time to time.

Day-to-day management of the charity rests with the Chief Executive, Mehfuz Ahmed, who reports to the Board of Trustees. Accounting and financial management is performed for the charity on a voluntary basis by the Treasurer. The Board receives monthly reports on the operational performance of the charity’s projects from the Chief Officer and it also receives management accounts detailing the current financial situation and near-term cash flow projections from the Finance Manager.

The Board reviews its composition regularly to ensure that it contains a diverse and relevant range of talents and experience and that there are no skills gaps among its members. New trustees are inducted via a briefing on the charity structure and its aims and a meeting with the Chair, the Chief Officer and another trustee.

Age UK Westminster is a member of The Age England Association and of Age UK London. Due to the small size of the charity, we have, from time to time, been grateful to Age UK London for assistance in managing various aspects of the charity where specialised knowledge and experience was required but was not contained in the Board of Trustees or among the staff. Among other initiatives Age UK London have assisted us with a review of the charity shop, advice and instruction on bid writing, HR matters and general strategic direction.

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AGE UK WESTMINSTER

REPORT OF THE BOARD OF TRUSTEES - continued for the Year Ended 30 September 2024

TRUSTEES’ RESPONSIBILITIES IN RELATION TO THE FINANCIAL STATEMENTS

The charity trustees (who are also the directors of the Age UK Westminster for the purposes of company law) are responsible for preparing a trustees’ annual report and financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the charity trustees to prepare financial statements for each year which give a true and fair view of the of the charitable company and the group and of the incoming resources and application of resources, including the income and expenditure, of the charitable group for that period. In preparing the financial statements, the trustees are required to:

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and the group and hence taking reasonable steps for the prevention and detection of fraud and other irregularities.

In so far as the trustees are aware:

The trustees are responsible for the maintenance and integrity of the corporate and financial information included on the charitable company’s website. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

By order of the board of trustees

Fiona Healy-Connelly,

Chair

22 June 2026

Page 36

REPORT OF THE INDEPENDENT AUDITOR’S TO THE MEMBERS OF AGE UK WESTMINSTER - continued

Opinion

We have audited the financial statements of Age UK Westminster for the year ended 30 September 2025 which comprise the consolidated Statement of Financial Activities, the group and parent Charity’s Balance Sheets, group’s statement of cash flows and notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102: The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

Opinion on financial statements

In our opinion the financial statements:

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditorʼs responsibilities for the audit of the financial statements section of our report. We are independent of the Charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRCʼs Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees’ use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.

Other information

The trustees are responsible for the other information. The other information comprises the information included in the annual report other than the financial statements and our auditorʼs report thereon. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements, or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Page 37

REPORT OF THE INDEPENDENT AUDITOR’S TO THE MEMBERS OF AGE UK WESTMINSTER - continued

Opinion on other matter prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the Charity and its environment obtained in the course of the audit, we have not identified material misstatements in the Trustees’ Annual Report.

We have nothing to report in respect of the following matters where the Companies Act 2006 requires us to report to you if, in our opinion:

Responsibilities of the trustees

As explained more fully in the Trustees’ Responsibilities Statement, the trustees (who are also the directors of the charitable company for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view and for such internal control as they determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the Charityʼs ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the Charity or to cease operations, or have no realistic alternative but to do so.

Our responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditorʼs report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud are set out below.

In identifying and assessing risks of material misstatement in respect of irregularities, including fraud and noncompliance with laws and regulations, our procedures included the following:

Page 38

REPORT OF THE INDEPENDENT AUDITOR’S TO THE MEMBERS OF AGE UK WESTMINSTER - continued

Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Councilʼs website at: [www.frc.org.uk/auditorsresponsibilities]. This description forms part of our auditor’s report.

Use of our report

This report is made solely to the charitable company’s members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charity’s members those matters we are required to state to them in an auditor’s report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity’s members as a body, for our audit work, for this report, or for the opinions we have formed.

Anthony Epton (Senior Statutory Auditor) for and on behalf of Goldwins Limited Statutory Auditor Chartered Accountants 75 Maygrove Road West Hampstead London NW6 2EG

22 June 2026

Page 39

CONSOLIDATED STATEMENT OF FINANCIAL ACTIVITIES

(including summary income and expenditure account) for the Year Ended 30 September 2025

Notes
Income:
Donations and legacies
2
Charitable activities:
3
Advice for Life
Embrace our community
Income from other trading
activities
Investment Income
4
Total income
Expenditure:
Costs of raising funds
5
Charitable activities:
6
Advice for Life
Embrace our community
Total expenditure
7
Net income / (expenditure) for the year
Transfers between funds
16
Net movement in funds
Reconciliation of funds:
Funds brought forward on 1 October 2024
Total funds carried forward at
30 September 2025		 Unrestricted
Designated
Restricted
Total
Total
Funds
Funds
Funds
2025
2024
£
£
£
£
£
17,496
-
-
17,496
53,026
-
-
292,716
292,716
296,968
14,386
-
385,085
399,471
425,718
129,763
-
-
129,763
119,643
30,775
-
-
30,775
25,741
192,420
-
677,801
870,221
921,096
141,956
-
-
141,956
138,356
37,826
-
287,561
325,387
306,599
44,935
-
348,442
393,377
397,061
224,717
-
636,003
860,720
842,016
(32,297)
-
41,798
9,501
79,080
-
-
-
(32,297)
-
41,798
9,501
79,080
323,804
100,000
146,780
570,584
491,504
291,507
100,000
188,578
580,085
570,584

All of the above results are derived from continuing activities. There were no other recognised gains or losses other than those stated above. Movements in funds are disclosed in Note 16 to the financial statements.

The attached notes form an integral part of these financial statements.

Page 40

AGE UK WESTMINSTER (REGISTERED NUMBER 2788761)

Balance Sheet

As at 30 September 2025

Notes
FIXED ASSETS
Tangible Assets
10, 11
Investments
12
Total Fixed Assets
CURRENT ASSETS
Debtors
13
Cash at bank and in hand
Sum of Current Assets
CURRENT LIABILITIES
Creditors: amounts falling due within one year
14
Net Current Assets
Total net assets
FUNDS
Restricted Funds
16
Unrestricted Funds:
General Funds
Designated Funds
Total unrestricted funds
Total Funds		 Group
Group
2025
2024
£
£
6,200
10,698
414,966
385,666
_
_
421,166
396,364
56,279
7,496
133,072
313,779
_
_
189,351
321,275
(30,432)
(147,055)
_
_
158,919
174,220
_
_
580,085
570,584
_
_
188,578
146,780
291,507
323,804
100,000
100,000
_
_
391,507
423,804
_
_
580,085
570,584

 Charity
Charity
2025
2024
£
£
-
369
429,966
400,666
_
_
429,966
401,035
58,385
16,493
115,774
292,676
_
_
174,159
309,169
(28,557) (144,482)
_
_
145,602
164,687
_
_
575,568
565,722
_
_
188,578
146,780
286,990
318,942
100,000
100,000
_
_
386,990
418,942
_
_
575,568
565,722

 Charity
Charity
2025
2024
£
£
-
369
429,966
400,666
_
_
429,966
401,035
58,385
16,493
115,774
292,676
_
_
174,159
309,169
(28,557) (144,482)
_
_
145,602
164,687
_
_
575,568
565,722
_
_
188,578
146,780
286,990
318,942
100,000
100,000
_
_
386,990
418,942
_
_
575,568
565,722
_
146,780
318,942
100,000
_
418,942
_
565,722

The trustees have prepared group accounts in accordance with section 398 of the Companies Act 2006 and section 138 of the Charities Act 2011. These accounts are prepared in accordance with the special provisions of Part 15 of the Companies Act relating to small companies and constitute the annual accounts required by the Companies Act 2006 and are for circulation to members of the company.

The attached notes form an integral part of these financial statements.

The financial statements were approved and authorised for issue by the trustees on 22 June 2026 and signed on their behalf by:

----- Start of picture text -----
……………………..
----- End of picture text -----

…………………….. …………………….. Fiona Healy-Connelly, Chair Neil Carthy, Treasurer

Page 41

AGE UK WESTMINSTER (REGISTERED NUMBER 2788761)

Cash Flow Statement

As at 30 September 2025

OPERATING ACTIVITIES
Net Income
Adjustments:
Debtors
Creditors
Depreciation
Total Adjustments:
Net cash provided by operating activities
INVESTING ACTIVITIES
Investment in Fixed Assets
Investment in subsidiary company
Investment in new project
Net cash provided by investing activities
FINANCING ACTIVITIES
Loan from Parent Charity
Net cash provided by financing activities
Net cash increase/(decrease) for period
Cash at beginning of period
Cash at end of period		 2025
2024
2025
2024
Group
Group
Charity
Charity
£
£
£
£
9,500
78,834
9,846
99,915
(48,783)
(3,602)
(41,892)
(4,457)
(116,622)
9,203
(115,925)
7,927
4,498
5,260
369
1,566
(160,907)
10,861
(157,448)
5,036
(151,407)
89,695
(147,602)
104,951
-
(8,702)
-
-
(29,300)
(358,521)
(29,300)
(358,421)
(29,300)
(367,223)
(29,300)
(358,421)
-
-
-
-
-
-
-
-
(180,707)
(277,528)
(176,902)
(253,470)
313,779
591,307
292,676
546,146
133,072
313,779
115,774
292,676

Page 42

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS for the Year Ended 30 September 2025

1 Accounting policies

(a) Basis of preparation

The financial statements have been prepared in accordance with Accounting and Reporting by Charities: 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 - effective 1 January 2015) - (Charities SORP FRS 102) and the Companies Act 2006.

The charitable company meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy or note.

(b) Going concern

The trustees consider that there are no material uncertainties about the charitable company's ability to continue as a going concern. The trustees do not consider that there are any sources of estimation uncertainty at the reporting date that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next reporting period.

(c) Basis of Consolidation

These financial statements consolidate the results of the charity and its wholly owned subsidiary on a line-byline basis. Transactions and balances between the charity and its subsidiaries have been eliminated from from the consolidated financial statements. Balances between the companies are disclosed in the notes of the charity's balance sheet. A separate statement of financial activities, or income and expenditure account, for the charity itself is not presented because the charity has taken advantage of the exemptions afforded by section 408 of the Companies Act 2006

(d) Income

Income is recognised when the charity has entitlement to the funds, any performance conditions attached to the income have been met, it is probable that the income will be received and that the amount can be measured reliably.

Income from government and other grants, whether ‘capital’ grants or ‘revenue’ grants, is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received, and the amount can be measured reliably and is not deferred. Income received in advance for the provision of specified service is deferred until the criteria for income recognition are met.

For legacies, entitlement is taken as the earlier of the date on which either: the charity is aware that probate has been granted, the estate has been finalised, and notification has been made by the executor(s) to the charity that a distribution will be made, or when a distribution is received from the estate. Receipt of a legacy, in whole or in part, is only considered probable when the amount can be reliably measured, and the charity has been notified of the executor’s intention to make a distribution. Where legacies have been notified to the charity, or the charity is aware of the granting of probate, and the criteria for income recognition have not been met, then the legacy is a treated as a contingent asset and disclosed if material.

(e) Donations of gifts, services and facilities

Donated professional services and donated facilities are recognised as income when the charity has control over the item or received the service, any conditions associated with the donation have been met, the receipt of economic benefit from the use by the charity of the item is probable and that economic benefit can be measured reliably. In accordance with the Charities SORP (FRS 102), volunteer time is not recognised so refer to the trustees’ annual report for more information about their contribution.

On receipt, donated gifts, professional services and donated facilities are recognised on the basis of the value of the gift to the charity which is the amount the charity would have been willing to pay to obtain services or facilities of equivalent economic benefit on the open market; a corresponding amount is then recognised in expenditure in the period of receipt.

(f) Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the bank.

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AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

(g) Fund accounting

Unrestricted funds are available to spend on activities that further any of the purposes of charity. Designated funds are unrestricted funds of the charity which the trustees have decided at their discretion to set aside to use for a specific purpose. Restricted funds are donations which the donor has specified are to be solely used for particular areas of the charity’s work or for specific projects being undertaken by the charity.

(h) Expenditure and irrecoverable VAT

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required, and the amount of the obligation can be measured reliably. Expenditure is classified under the following activity headings:

Irrecoverable VAT is charged as a cost against the activity for which the expenditure was incurred.

Support costs are those functions that assist the work of the charity but do not directly undertake charitable activities. Support costs include back-office costs, finance, personnel, payroll and governance costs which support the charity and its and activities. These costs have been allocated between cost of raising funds and expenditure on charitable activities. The bases on which support costs have been allocated are set out in note 6.

(j) Tangible fixed assets and depreciation

Items of equipment are capitalised where the purchase price exceeds £1,000. Depreciation is provided at rates calculated to write down the cost of each asset to its estimated residual value over its expected useful life. The depreciation schedules in use are as follows:

Leasehold improvements over the life of the lease Equipment & fittings over 1 – 3 years

(k) Finance and operating leases

Rental charges are charged on a straight-line basis over the term of the lease.

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

(m) Creditors and provisions

Creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

(n) Pensions

On 1 February 2016 we automatically enrolled all eligible employees into a Legal & General defined contribution pension scheme. Employees who are not eligible may enrol at their discretion.

Page 44

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

2 Income from donations and legacies

3
Donations
Legacies		 Unrestricted
Funds
Restricted
Funds
Total
2025
Total
2024
£
£
£
£
16,246
-
16,246
23,894
1,250
-
1,250
29,132
17,496
-
17,496
53,026

3 Income from Charitable Activities

UnRestricted Restricted 2025 2024
Advice for Life:
Age UK 4,655 4,655 31,224
Citizens Advice Westminster 77,575 77,575 77,575
City Bridge Trust 72,768 72,768 23,540
City of Westminster: 102,552 102,552 51,667
GambleAware 17,051
GLA Voter ID Awareness 10,000
City of Wminster Char Trust 18,238 18,238 3,000
NEA 5,042 5,042 7,314
Westminster Amalgamated Char 11,886 11,886 74,897
Charitable Grants Payable 700
Total For Advice for Life: - 292,716 292,716 296,968
Embrace Our Community:
Age UK 7,500 10,000 17,500 3,745
AEG Presents 150
CE Sell Charitable Trust 10,000 10,000
City Bridge Trust 100 100
Francis Winham Foundation 10,000
City of Westminster 85,266 85,266 83,797
Direct Payments 8,941 8,941
Queens Park Ward 6,504 6,504
CNWL NHS Foundation Trust 95,372 95,372 118,426
City of Westminster Char Trust 25,000 25,000
Debs Bourner- Community Development Consultant 240 240
Masonic Charitable Foundation 5,000
McLay Dementia Trust 10,000
French Huguenot Church of London 5,000 5,000 6,000
Page 45

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

GIC
Good Things Foundation
Goodera
Howard de Walden Estate
Hyde Park Place Estate
Julia & Hans Rausing Trust
McLay Dementia Trust
London Marathon Foundation
Awards For All
Mercers' Company
National Lottery
Neighbourly
Portman Foundation, The
Paddington Charities, The
Peter Stebbing memorial
NHS NW London
Sales
THE CARPENTERS COM
Redevco Foundation
Strand Parish Trust
UCL
RMG London
Strand Parish Trust
Robert Seifert
The Big Give
The Percy Bilton Charity
WAES
Wates Group Ltd
Westminster Almshouses
Westminster Amalgamated Charities
Westminster Foundation
WCGL (TFL)
Other donations
Total for Embrace Our Community:
Total for Charitable Activities		 14,101
14,101
2,264
2,264
4,200
397
15,000
15,000
17,500
6,000
6,000
6,000
5,000
5,000
15,000
15,000
29,000
1,000
1,000
31,250
19,997
19,997
6,000
6,000
5,000
5,000
4,000
4,000
7,000
7,500
7,500
3,000
407
1,863
2,270
5,000
5,000
146
5,000
5,000
479
479
1,000
6,000
518
7,293
4,974
31,590
181
5,000
5,000
7,000
12,968
10,978
10,978
2,500
15,959
15,959
16,083
45,161
354,310
399,471
451,459
45,161
647,026
692,187
748,427

Page 46

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

4 Investment Income

The group’s investment income of £30,775 (2024: £25,741) arises from money held in interest bearing deposit accounts.

5 Cost of raising funds

Trading company expenditure (note 21)
Fundraising costs		 2025
£
121,450
20,506
_
141,956
 2024
£
114,337
24,019
_
138,356

6 Analysis of expenditure on charitable activities

Basis of
Expense Classification
Allocation
Staff costs
Direct
Grants to individuals
Direct
Activities and events
Direct
Volunteer Costs
Direct
Other direct costs
Direct
Premises
Floorspace
Communication and
computers
Staff time
General office and staff costs
Usage
Other support costs
Usage
Audit
Direct
Fundraising
Direct
Governance and trustees
Staff time
Support Costs
Governance Costs
Total Expenditure (2025)
Total Expenditure (2024)		 Advice For
Embrace the
Support
Gov
Total
Living
Community
Costs
Costs
2025
279,355
303,760
583,115
6,800
0
6,800
487
42,532
43,019
919
2,150
3,069
0
25,896
25,896
31,215
31,215
15,747
15,747
1,403
1,403
8,500
8,500
0
0
287,561
348,442
74,261
8,500
718,764
33,576
40,685
(74,261)
0
4,250
4,250
(8,500)
0
325,387
393,377
0
0
718,764
306,599
397,061
0
0
703,660

Page 47

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

7 Total expenditure

Cost of generating funds:
Fundraising and publicity
Trading company expenditure
Charitable expenditure
Governance costs
Total resources expended		 Other
Staff
Allocated
Costs Depreciation
Costs
£
£
£
20,506
-
-
64,301
4,129
53,020
558,679
369
151,216
-
-
8,500
_
_
_____
643,486
4,498
212,736


 Total
2025
£
20,506
121,450
710,264
8,500
_
860,720
 Total
2024
£
24,019
114,337
702,160
1,500
_
842,016

Of the total expenditure £224,717 (2024: £215,010) was unrestricted and £636,003 (2024: £627,006) was restricted.

8 Net income for the year:

This is stated after charging:
Auditors' remuneration
Audit Fee
Depreciation on owned assets		 2025
£
5,000
4,498
_____		 2024
£
5,000
5,260
_____

The charity trustees were not paid or received any other benefits from employment with the Trust or its subsidiary in the year (2024: £nil). No trustees were reimbursed expenses during the year (2024: £nil). No charity trustee received payment for professional or other services supplied to the charity (2024: £nil).

9 Analysis of staff costs, trustee remuneration and expenses, and the cost of key management personnel

9
Analysis of staff costs, trustee remuneration and expenses, and
the cost of key management personnel
2025 2024
£ £
Wages and Salaries 552,207 534,238
Social security costs: employer’s national insurance 42,052 37,127
Employer’s contribution to defined contribution pension schemes 33,702 39,805
Other staff costs 15,525 10,340
_ _
643,486 621,510
_ _

There were no employees whose emoluments as defined for taxation purposes amounted to over £60,000 in the year.

Page 48

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

The key management personnel of the charity are the trustees, the Chief Officer, Head of Services, the Business Development & Fundraising Manager, The community Service Manager and the Information and Advice Manager. The charity trustees were not paid or received any other benefits from employment with the Trust or its subsidiary in the year (2024: £nil). No trustees were reimbursed expenses during the year (2024: £NIL). No charity trustee received payment for professional or other services supplied to the charity (2024: £nil). The total employee benefits including pension contributions of the 5 key management personnel in 2025 were £216,445 (2024: £216,668).

Pension costs are allocated to activities in proportion to the related staffing costs incurred.

Cognisant of its responsibilities for charitable and public money Age UK Westminster pays only statutory redundancy pay but occasionally enhances settlements with pay in lieu of notice.

The average number of employees, calculated on a full-time equivalent basis, analysed by function was:

2025 2024
Number Number
Charitable activities 20.50 18.00
Cost of raising funds (charity shop) 1.80 1.80
Management and administration of the charity - -
_____ _____
Total 22.30 19.80
_____ _____

10 Tangible fixed assets - Group

0 Tangible fixed assets - Group
Cost
At 1 October 2024
Additions
Disposals
At 30 September 2025
Depreciation
At 1 October 2024
Charge for year
Disposals
At 30 September 2025
Net book value at 30 September 2025
At 30 September 2024		 Leasehold
improvements
Furniture and
equipment
Total
£
£
£
30,449
13,377
43,826
-
-
-
-
-
-
30,449
13,377
43,826
20,120
13,009
33,129
4,129
369
4,498
-
-
-
24,249
13,378
37,627
6,200
-
6,200
10,329
369
10,698

======================================

Page 49

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

11 Tangible fixed assets – Charity

11 Tangible fixed assets – Charity
Cost
At 1 October 2024
Additions
Disposals
At 30 September 2025
Depreciation
At 1 October 2024
Charge for year
Disposals
At 30 September 2025
Net book value at 30 September 2025
At 30 September 2024
12 Investments
Charity:
Shares in subsidiary trading company at cost
Investment in AGE UK power of Attorney scheme
Quilter Cheviot
Total
13 Debtors
Trade debtors
Amount owed by subsidiary (Note 21)
Prepayments and other accrued income		 Computer
Equipment
£
9,384
-
-
9,384
9,015
369
-
9,384
-
369
=====================
Group
Group
2025
2024
£
£
1,565
7,496
-
-
54,714
-
_
_
56,279
7,496

 Computer
Equipment
£
9,384
-
-		 Office
Furniture
Total
£
£
1,637
11,021
-
-
-
-
1,637
11,021
1,637
10,652
-
369
-
-
1,637
11,021
-
-
-
369
=================
2025
2024
£
£
15,000
15,000
13,622
13,622
401,344
372,044
429,966
400,666
_
_
Charity
Charity
2025
2024
£
£
1,565
7,496
2,106
8,997
54,714
-
_
_
58,385
16,493
9,384
9,015
369
-
9,384
-
369
============
Group
2024
£
7,496
-
-
_
7,496
 =
_
 -
============
2025
£
15,000
13,622
401,344
429,966
_
Charity
2025
£
1,565
2,106
54,714
______
58,385
_
Charity
2024
£
7,496
8,997
-
_
16,493

Page 50

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

14 Creditors: amounts falling due within one year

Trade creditors
Taxation and social security costs
Credit Cards
Accruals and deferred income		 Group
2025
£
9,956
12,172
1,429
6,875
_
30,432
 Group
2024
£
9,481
8,855
1,941
126,778
_

147,055
 Charity
2025
£
9,956
12,172
1,429
5,000
_
28,557
 Charity
2024
£
9,448
8,855
1,941
124,238
_
144,482

15 Financial commitments

At 30 September 2025 the group has annual commitments under non-cancellable leases as follows:

Lease payments due:
In less than one year
In one to five years
In more than five years
Total of commitments:		 2025
Land and
Buildings
£
36,000
144,000
-
180,000		 2024
Land and
Buildings
£
33,000
144,000
36,000
213,000

Page 51

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

16 Statement of funds 2025

General Reserve
Designated Reserve
Pension Reserve
Charity Total
Subsidiary
Total Unrestricted Funds
Restricted funds:
Advice for life
Embrace our community
Total Restricted Funds
Total Funds		 At 30 Sep
At 30 Sep
2024
Income
Expenditure
Transfers
2025
£
£
£
£
£
266,463
62,657
(103,267)
-
225,853
100,000
-
-
-
100,000
-
-
-
-
-
366,463
62,657
(103,267)
-
325,853
57,341
129,763
(121,450)
-
65,654
423,804
192,420
(224,717)
-
391,507
23,855
292,716
(287,561)
-
29,010
122,925
385,085
(348,442)
-
159,568
146,780
677,801
(636,003)
-
188,578
570,584
870,221
(860,720)
-
580,085

The General Reserve represents the free funds of the charity.

Designated Reserve has been created to ringfence funds towards the creation of a community hub to house all our services in one building for the benefit of all our client.

The restricted funds balance as at 30 September 2025 represents income provided from the sources listed below which was received during the year but not yet fully utilised.

Purposes of restricted funds:

Befriending Project – Provide face to face support to vulnerable older people who are experiencing social isolation. Digital Inclusion (formerly IT @Home) – help our clients make the most of the internet and electronic devices. Give & Receive - Offer inclusive volunteering opportunities to Westminster residents aged 60 plus. Information & Advice – Give advice in one-to-one sessions, mainly regarding benefits.

Love Your Community – Outreach to residents of Marylebone and surrounding areas.

Visual Impairment – Provide specific assistance to visually impaired older residents of Westminster. CNWL – Tackling social isolation through digital inclusion.

CBT – Supporting people going through extreme life event like bereavement, homelessness etc

Page 52

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

Statement of funds 2024

General Reserve
Designated Reserve
Pension Reserve
Charity Total
Subsidiary
Total Unrestricted Funds
Restricted funds:
Advice for life
Embrace our community
Total Restricted Funds
Total Funds		 At 30 Sep
At 30 Sep
2023
Income
Expenditure
Transfers
2024
£
£
£
£
£
216,544
83,767
(100,673)
66,825
266,463
100,000
-
-
-
100,000
-
-
-
-
-
316,544
83,767
(100,673)
66,825
366,463
52,035
119,643
(114,337)
-
57,341
368,579
203,410
(215,010)
66,825
423,804
-
296,968
(273,113)
-
23,855
122,925
420,718
(353,893)
(66,825)
122,925
122,925
717,686
(627,006)
-
146,780
491,504
921,096
(842,016)
-
570,584

17 Legal status of the charity

The charity is a company limited by guarantee and has no share capital. The members of the company are the trustees named in the Report of the Board of Trustees. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £1 per member of the charity.

18 Related party transactions

There were no related party transactions in the year to 30 September 2025 (2024: £nil). There are no donations from related parties which are outside the normal course of business and no restricted donations from related parties.

Page 53

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

19 Control

The charitable company is controlled by the trustees.

20 Analysis of group net assets between funds

Restricted
Designated
funds
funds
£
£
Fund balances at
30 September 2025
are represented by:
Tangible fixed assets
-
-
Investment
-
-
Current assets
188,578
100,000
Current liabilities
-
-
_
_____
Total net assets
188,578
100,000

 General
funds
£
6,200
414,966
(99,227)
(30,432)
_
291,507
 Total
£
6,200
414,966
189,351
(30,432)
_
580,085

Analysis of group net assets between funds 2024

Restricted Designated General
funds funds funds Total
£ £ £ £
Fund balances at
30 September 2024
are represented by:
Tangible fixed assets -
-		 10,698 10,698
Investment -
-		 385,666 385,666
Current assets 146,780 100,000 74,495 321,275
Current liabilities - - (147,055) (147,055)
_____ _ _ _
Total net assets 146,780
100,000		 323,804 570,584
_____ _ _ _

Page 54

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

21 Subsidiary company

The charity owns the whole of the issued ordinary share capital of Age UK Enterprises (Westminster) Limited, a company registered in England. One of these shares is held in trust for the company by one of our trustees, Neil Carthy.

The subsidiary is used for non-primary purpose trading activities of which the principal activity is running charity shops. Any net profit is gifted to the charity. Corporate income is treated as donations. All activities have been consolidated on a line-by-line basis in the SOFA.

As of 30 September 2025 the subsidiary company owes in addition £2,106 (2024: £8,997) on the inter-company account.

A summary of the results of the subsidiary is shown below:

A summary of the results of the subsidiary is shown below:
Total Total
2025 2024
£ £
Turnover 129,761 119,643
Cost of Sales (1,766) (1,607)
_ __
Gross Profit 127,995 118,036
Administrative expenses (119,783) (112,730)
Loan interest paid to parent company - -
Donation to parent company - -
Net Profit / (Loss) 8,212 5,306
_____ _____

Page 55

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

Funders

We couldn't be there for older people in Westminster without the much-needed support we receive from the following funders:

Page 56

AGE UK WESTMINSTER

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 30 September 2025

Organisations and corporates

These companies and organisations provided vital support to Age UK Westminster

Page 57