2026-03-31-accounts

Trustees, Report and Consolidated Financial Statements CAYSH year-end 31 March 2026

Table of Contents 1. Introduction 2. Objects and Activitles Purpose and Public Benefit Main Activities of CAYSH Prevention Service5 Concierge Services 3. Achievements and Perforn)ance Group Objectives 2025-2026 Service Outcomes CAYSH Enterprise CIC 4. Flnanclal Rovlew a Income Expendlture Investment Powers and Policy Reserves Policy Going Concern a Future Plans 5. Structure, Govornance and Management Appointment of Trustees Trustee Recruilm6nl, Induction, Training and Appraisal Tru81ees' Activty 2025 - 2026 Environmental, Social and Governanc& Principal Risks and Uncertainties statement of Trustees, Responsibilities Independent Auditor's Report lo the Member5 of CAYSH Consolidated Sialement of Financial Activitie5 for the year ended 31 March 2026 Consolidated Balan￿ Sheet as 9131 March 2026 Sialement of Cash Flows as al 31 March 2026 Noles to the Financial Statements for the Year Ended 31 March 2026 6. Legal and Admlnlstratlve Detalls

1. Introduction The trustees present their report and audited financial statements for the year ended 31 March 2026. The financial statements comply with current statutory ￿quireMents, the Articles of Association, the Companies Acl, and the Statement of Recommended Practice - Accounting and Reporting by Charities.. SORP applicable to charities preparing their accounls in accordance with FRS 102. These audited financial statements have been prepared in accordance with the Charities Act 2011, The Companies Act 2006 and Accounting and Reporting by Charities.. Statement of Recommended Practice applicable lo charities preparing their accounts in accordance with the Financial Reporting Standard nd applicable in Ihe UK and Republic of Ir8land IFRS102) 12 Edition, effective January 2019) {SORP FRS1021. CAYSH is a ¢h8rity reglslered with the Charity Commission for England and Wales. The charity Yebranded in February 2011 having fomierly been known as Croydon Asso￿allon for Young Single Homeless. CAYSH is also a company limited by guarantee which is governed by its Memorandum and Articles of Association dated 23rd February 2011 which updated Ihe original Memorandum and Articles of Association signed 22nd March 1993. CAYSH owns 100¥o ofthe shares In CAYSH Enterprises CIC, a social enterprise reglstered al Companies House. CAYSH Enlerprlse CIC'S primary Irading activity is the delivery of security services for residents of supported housing. The governing document of CAYSH Enterprise CIC is ils Memorandum and Articles of Association and the CIC was formed on 13 November 2013.
2. Objects and Activitie8 The charity objectlves for which th8 charrty was eslablished are.. 'Thg ￿lIef of poverty h8rdship end dlslress among vulnerable p8rsons, especially young peop18, in partiGu18r but not exclusively through the proviS￿n ofaccommodation, 8dvicé and support., Our CAYSH Enterprise supports the Charity's objective with its purpose bging to provide innovalive business solutions that benefil the cornmunity and provide the Charity with a sustainable income. Its Concierge seNice provides per8on-centred safeguarding and security for our seryice users and for other vulnerable people in supported accommodation. Purpose and Publlc Ben•fit The Group benefits the public through its mSssion and values- see below. Our vl8lon, mlsslon, value8 and aims Our vision is for every young person to have a safe home and the opportunrty for thé best possible future regardless of their experien￿ of homelessness. Our mission is to provide a safe home and better future for every young person we meet by providing.. Enterprising solutiong and inspired services for vulnerable and young people facing homelessness and other life challenges giving them access lo homes and futures that are fulfilling. A range of accommodation advice and support service8 thal combine to form a pathway for young people lo progress in life whether they live wrth their famity, Other young people or on their own. OprA)rtunilies for young people to engage in meaningful activities that build confidence and credibility when it comes lo engaging in work, volunteering, training and education. Outreach work within communities to ensure the safety of young people and Iheir neighbours while creating opportunities for young people lo participate in their local communities.

Our values provide the framework within which we work embracing the diversity of our staff and setvi users. Commitment Fairness Inclusivity Responsivenes5 Compassion Professionalism CAYSH'S main aim Ss to ￿duce homelessness arnongsl Ihe young (aged 16-25) and vulnerable. and lo irnprove Iheir quality of life so that they can live indep8ndenlly within the community. This is achieved through delivering.. Supported Accommodation Supported Lodgings q Floating Support Mediation Menlal Heallh Counselling Employability Interventions a Night Concierge We work with service users from different communities Including asylum seeking children aged over 1 care leaveryJ,' LGBTQi+,- young single homeless. In 2025-2026 we helped 172 young and vulnerable people. We offer 8 range of accommodatlon including 24n assessment unlls., small, shared houses {some st8ffed) and supported lodgings where Hosts - members of the public - are paid in return for offering a room in their home and practical support lo the young person. Our group includes a Community Inl8rest Company whose oblective dovetalls wlth those of the Charity, meeting public benefit by providing a night-time concierge seNice to support vulnerable people in the community. The aim of this service is lo reduce homelessness by assisting individuals residing in supported accommodation. The Community Interest Company demonslfales its public benefrt through its slated objective of 'assisling vulnerable people. as evidenced by the concierge service providing nighl-lime safety for residents and communities. Partnership Approach We believe that we can maxlmise our impact in ending youth homelessness by working in collaboration and partnership with 8 wide r8nge of stskeholders.. local aulhorilies, landlords, public donors, Hosts, corporate supporters and many more. We are grateful lo all who work with us lo support young homeless people and have appreciated being able to collaborate with others to achieve our outcomes this year. A¢commodation-based Services and Support CAYSH provides a range of accommodation, matching the needs of the young person to the style of living and the level of support required. This in tum means the young people have greater opportunity lo progres$ quickly. We delivered services to the following 8oroughs= Croydon and Royal Borough of Greenwich. These servi¢es are for young people {16-25 years old), facing homelessness. including.. young people at risk-, looked after children aged 16+ (including unaccompanied asylum-seeking children) and care leavers. CAYSH leased accommcd8tion under management agreements from the following Registered Social Landlords (RSLI.. Hyde, Notting Hill Genesis, Peabody and Southern Housing. We deliver housing management servi￿5 on behalfofthese RSLS. Looking after RSLS, homes is important lo us= during the year we redecorated and refurbished two homes and have already secured funding to redecorate one more in the coming year. This is helping us transform our homes into psychologically informed

environments. Andrews Charitable Trust (ACT} continued lo partner with u5 and generously provided shared houses for us to house homeless young people as part of the Establish project. The project houses those ready to work and needing light-touch support from CAYSH before transitioning to a long-temi independenl home. We leased a privately-owned shared home during the year which we expect will be used leverage a support Contract wilh a new borough in the coming year. Young people in our accommodation typically stay with us for up to ￿ years. Our Advice and Support Officers IASOI work with them to address their support needs, develop emotional resilience, self- Confiden￿ and independent living skills, empowering them to flourish when they move on to their long- term home. Placements and levels of SLtpport are offered based on the nature and degree of challenges a young person faces and their levels of independence skills. Recognising the impact of adverse childhood experiences on young people, we operate within a Irauma informed framework and adopt a restorative approach. Time is spenl by our ASOS in building a trusting relationship with young people to help them bulld a loolbox of techniques to manage emotion85 challenge8, make inform8d decisiorbs and flourish. Supported Lodglngs Our Supported Lodgings accommodation and support services provide a Safe, effective and economical transition for young people into independenl living by offering them accommodation in family homes. The service benefits young people who are particularly vulnerable such as those who are newly homeless, those with little or no experience of independent living and thoge who are unable to live In shared accommodation for safeguarding reasons. We achieved Ofsted registration during the year and will now report 6-monihly as part of Ofsled's Regulallon 32 requirements. Our URN is 2770893. Overthe yearwe had a network of24 Hosts, some ofwhom have more than one room. Hosts are members of the publi¢ and play an essential part in housing and supporting homeless young people. We support Hosts through training and on-going support. All Hosts are subjected lo our safer recTuitmenl processes Including Enhan￿d Disclosure & Barring Service IEDBSI and reference Checks, Training our Hosts ensures that they land Ihelr homes and regular visiloTS} meet CAYSH'S slringenl support, safegu8rding and Health and Safety standards. CAYSH'S Lodgings team provide5 SUPPOrt lo both the young person and the Host throughout a service user's placement. Preventlon Sarvlces Restoratlvo Approaches - Mediation Servlces {Re$torfng Famllle81 Spanning our Pfevenlion and supported accommodation activities, CAYSH'S Mediation Restoring Families service works with young people aged 16+ al risk of homelessness due lo family breakdown, or those who have become homeless and entered our supported accommodation but may be able lo return home under altered circumstances. Staff hold a Level 4 Interpersonal Mediation Practitioner's Certificate IIMPC}, accredited within the Ofqu81 Credit & Qualification5 Framework. Young Adults Floating support ServlGe Floating support is a low-level tenancy suslainmenl service delivered to young people who for a variety of reasons may be at risk of losing their home. Typically, this support is up to three hours p&r week. The types of 5UPPOrt we provide include3 addressing debt, accessing community mental health services, finding employment and building personal resilience. This service also supports unaccompanied asylum- seeking children {UASC) placed in temporary accommodation by Local Authorities. Our floating support seNice provides a re81 opportunity to prevent homelessness among young people by offering earfy intervenlion I mediation with families which allows them lo remain at home rf safe to do so and, sUPPOrting the young person to sustain their tenancy in the private rented sector. 'Your Voi¢e: Your Choice. Project Available to all the young people we support, this counselling project was sel up in response to our growing concems over the deterioraling mental health of our young people during the Covid pandemic. This project offers a mental health triage and counselling seNice, with clinical support provided by Off the Record. It is available to all young people accessing CAYSH services.

'Working My Way Up Project, Started as a pilot project. this service was sel up to improve employment opportunities for young people in our seNice who are IradTtionally less well equipped to compete in the job market having experienced disrupted education and lacking in confidence. It has proven to be highly successful and achieves impressive oulcome8. During the year we delivered our 13-week programme, supporting people in.. Employment Mentoring (including some with work experience) CV writing Job search and application writing InleNiew preparation Q Money management Support in gaining and remaining in employment Fundraising We are truly grateful to the individuals and companies who have supported us by giving money or lime this year., these allow us lo enhance our geNices and support young people in more ways than we otherwise would have been able to. Our long-lerm supporters Bryden Johnson Chartered Accountants and Andrews Charitable Trust IACTI have once again given donations to support our work of £1.000 and £2,500 respectively. ACT also give a transition fund of £500 per person for young people leaving the Eslabllsh project. Th8nk you for continuing 10 support the work we do and offefing us advice and friendship. We received a grant of £10.000 from B&Q Foundats'on to redecorate and rèfurbish one of our homes, and grant of £15,000 from London Community Foundation lunder TELUS London Community Board Round 11 lo develop an employability app specifically for young people experiencing or at risk of homelessness. Of the redecoration, this Is whal one of the young people said.. 'The redecoration is gr881. I love th8 carp6t Golour it's much nicer than before. All tenants were ask8d wh8t the redecoration should look like and I like that they got us involv8d" Fundralsing events Tai8ed £5,039 in the year. Thank you lo everyone who ts)ok part in and donated to

Mission.'Move in the summer and #Homeforchrislmas in Decemb8r. We're also grateful lo Up for hosting

some events at Wealherill House. We registered with Ihe Big Give thig year, helping us secure m8tch- funding from donations. We were grateful lo receive a £1,000 don8tion Irom Shanley Foundation. We were delighted to receive 8UPPOrt from a number of corporate supporters during the year. Our appieciation lo Banana Moon Nursery for holding a sumtrnr fayre for CAYSH 8nd lo Croydon Dancing Club for their donations. In January two Croydon businesses offered to become corporate supporters of CAYSH.. Croydon Interchange and FSB Insurance. We're looking forward lo working with them throughoul 2026. Conclerge Servlces CAYSH Enterprise CIC is a specialised out of hours safeguardlng and security service, established to operate in homelessness, mental heaElh, and supported housing. The service ensures safety for residents 2417 including preventing anti-social behaviour IASBI and incidents while supporting residents working towards independence. During 2025-2026 we kept up lo 274 vulnerable people safe each night. CAYSH Enterprise CIC offer Iwo types of servi¢e.- (11 Slalic cover places a dedic8ted concierge officer within a single property lo provide continual support lo the residents and is suitable for higher needs. (21 A roving setvice offers mobile and responsive flexible cover at a number of locations throughout the nighl. This includes regular visits to a high number of properties with a rapid physical response Service accessible to residents via roving contact phone number. CAYSH Enterprise CIC had a challenging year. Income fell significantly owing lo the loss of contracts. However. measures were taken lo reduce expenditure. including reslructures of the Operations Director and Concierge Officer roles. By the last quarter income was growing, with three new contracts secured.

CAYSH Enterprise CIC is now In a much slronger position with an active pipeline of new business opportunities. We were particularly pleased to provide the concierge service for Croydon Together Night Shelter, housing up to 20 rough sleepers each night during the winter months. After a 6-year absence, we were able to contribute lo the sucrRss of this life-saving service. Customers continue to report high satisfaction with the quality of our work. Through its association with CAYSH Charity. our concierge services are strong in how we relate to 8nd interact with vulnerable people, helping us achieve high customer satisf8Ction, mlnimise incidents and keeping people safe. W8 began recording the savings achieved for our customers as a result of our concierge services. Durlng 2025-26 we helped our customers save £23.880 through a mlxlure of anti-social behaviour inteNentions and the early reporting of maintenance issues. 3. Achievements and Progress on our three-year Group Strategy 2025-26 was thè thlrd year of our Ihree-year Group Strategy. The strategy is built around 3 pillars whlch are integral lo dellvering on our mission and growing our Impact. Our three strategic pillars are.. Financial Services People 1. Flnanclal Alm.. To ensure that CAYSH'S financlal position enables il lo continue to operate 8nd serve it5 users during good times and bad. Progreg8.' During the ye8r the Group's financlal position remained strong, with reseNes increasing to £585,198 lan increase of 4.10) and making a surplus of £20.457. We opened high-interest savings accounts through the platform Flagstone, making better use of our cash In the bank. Rental collection was strong during the year. OGcup8ncy rates ended th8 year at largel, bul for the firsl half of the year were below target, owing to delays in receiving referrals from a key local authority. A Week￿ occupancy report goes to the Leadership Team for them to check progress. A new multi-year gas and electricity contract was secured in the summer of 2025, enabling us to avoid the spike in prices related to the confli¢t in Iran. Management accounts were produced each month, typlcally within two weeks of month end. Buslness Development improved in the year with £25,000 of grant fundr8ising achieved, bul we want lo make more progress, especially in bidding for tendors. We use a rigorou5 de¢ision-making system for identifying the best tendering opportunities and a￿ advance-planning, anticipating when local aulhorilies will release tenders. 2. Ser4lces Alm.. To ensure that CAYSH delivers high quality advice, accommodation 8nd support to all service users irrespective of thelr background to maximise positive outcome for them and dellver, safe homes and better fulure8' and promote thelr safeguarding. Progress.. We Continued to deliver services of high quality to vulnerable homeless people. Care leavers and those at risk of becoming homeless. We provided a dire¢l seNice lo 172 young people between the ages of 16-25. 53 people were housed in supported lodgings and 119 people were housed in our own properties.Every night during Ihe year the

concierge service supported up to 274 young and vulnerable people.whith includes young people at housing association properties supported by our Community Interesl Company. Of the 119 people we houged this year, 48 moved on postlrvely to long-lenn homes190Ufi of all r￿V￿onSI. Of our floating support young people, we helped 100% of them to sustain their tenancy i home. Over 47 young people accessed our counselling seNice Your Voice.. Your Choice. We helped 22 young people into employmenl and 18 young people into education or training through our Working My Way Up programme. This programme focuses on employment menloring for those transitioning to independence. We successfully registered with Ofsted in November 2025 to deliver the Supported Lodgings service for 16 and 17 year-olds. Our URN number is 2770893. We began a project to migrate our Customer Relations Management ICRMI system to the sector-leading system across homelessness services. At the year end this was 60% complete and we anlicipale il being fully complete by the end of May 2026. The new CRM system will help generate more performance data which will be used lo improve services and boost funding application6. We wrotè and adopted an Al {Artificial Intelligence) Policy. This encourages use of Al where il is beneficial for our work whilst putting in place clear boundaries for protecting ouf data and quality of work. 3. People Aim.. lo ensure our staff have the correct level of skill and compelen¢e to deliver lo vulnerable and young people, and that seNice users have a voice and influence over what is delivered. ProgroB8'. we held Investors In people18vel Gold during the year. Staff turnover was 200h in the Charity and 27°A for CAYSH Enterprise CIC (including staff leaving through TUPEI. We recruited wéll during the year, with a number of strong team members joining us, We held a successful Staff Conference in April. We operated a Business Conlinuiiy Management System which eomplied with the requirements of ISO 22301'.2019, ensuring that we will be able lo continue service delivery in Ihe event of unplanned, external Shocks. We delivered a comprehensive training programme throughout the year, including core training and development training Such as neurodlversity gwaren8s$. Training courses We￿ a mixture of exlemal, in- house and virtual. 4. Financial Review The Group has had mixed fortunes in the year. CAYSH recorded a surplus of £123,683 in 2025-26, which was greater than the surplus in the previous year of £105,850. However, during 2025-26 the CIC made signifie8nl losses, amounting to £100,220. and il rec(Irded a small deficit of £15,186 in the previous year. The CIC 105t a significant contract In September 2024. Since then, the Leadership Team have worked hard, with some success, to attract more clients. However, il has had to undertake significant re•Structuring and has borne £22,660 of redundancy costs in 2025-26. We have also had lo review some of our rates chargeable lo clients. Our concierge staff operale in the highly competitive securty guarding industry and we have had lo ensure that our rates are competitive

The CIC'S finances stsbilised In quarter 4 and the pipeline of new business grew. The start of the new financial year confirms this more positive outlook and we expect the CIC to make a small surplus over the year. The Group's financial position has deteriorated, with a 79¥0 decrease in surplus to £20,45712024-25= £95,973). The Board view this reduction as temporary, during 8 year of transition for the CIC and an essential one-off project migrating our Customer Relations Management system lo the market leading provider. The Group's cash positlon has deteriorated lo a small extent. The underlying reason for this Is the losses suffered ty the CIC, although it has also been affected by small working capital movements. Income The combined income for the Group was £2,572,083. a loo￿ ￿dUCtion on last year {£2,873.1201. The Board and Leadership Team are active￿ m8rketing the Group's services wrth a view to attracting more Income. Our principal strategies are.. Bidding for more local authority contracts Offering new accommodation lo local authortties lo a551St them in providing short lenn temporary accommod81ion for young homeless people Offering concierge services to more housing associations Expondlture Through lightening processés and reslrucluring roles we have controlled expendrture despite the ongoing cost of living ¢risi8. Our group expenditure this year was £2,551,628, 8 reduction in ¢o$ls of 8Yo12024- 25.. £2,777,147). We have managed to deliver a modesl pay rise this year to help staff meet increases in Inflation. Investmont Powers and Pollcy CAYSH'S Memorandum and Articles of Assoclallon provides for investment decisions by its Board of Trustees. The Board regularly reviews how surplus funds are invested to maximise returns on Ihese funds. During the year the Board carried oul a comprehensive review of our investmenl policy with a view to ensuring Ihal cash reserves deliver maximum relums with minimum risk. We have increased our ulilisalion of saving8 accounts as our cash flow position improved. In the comlng year the review will consider opening higher interest savings accounts as cashflow stabilises lurther. This policy Is deslgned to achleve a balance behveen adequate resources to meel the day-ttrd8y operational requirements of the charity and provide sufficient investment to achieve its future aims and objectives. Reserves Pollcy In line with Charilies Commission guidance on Reserves, the Trustees reviewed and 8greed an up-date Re$eNes Policy for 2025-26. Trustees consider free reserves lo be those th81 do not have legitimate designation and are not restricted by a funder. The up4aled policy requires reserves to be held of £510,941. This level represents the Board's estimate of the potential cosls of closing the Group's operations. CAYSH'S Re$eNes Policy is reviewed annually and aims to ensure sufflclent funding Is available to continue all operations in a range of hyF)Othetical situations. Reserves for the Group al the end of the financial year were £585,198 including £15,693 restricted reserves. This exceeds Ihe required reserves level by £74.257 or 14.5%. Going Concern CAYSH is a publi¢ benefit entity, and its Board has sel out a review of financial performance and the group's reserveg position. The year ahead will continue to be challenging because of the strains on local authority budgets. However, our perfomance in 2025-26 has demonstrated our ability to meet uncertainties and challenges.

Neither Ihe TTUStees, nor any key persons within the charity. were aware of either any specific or general events which would change the charitls status as a going concern. Future Plans Recognising that we afft able lo achieve so much more in collaboration with other organisations. we will seek opportunities to grow our services through partnership with, among others.. lo¢al authorilEs, private companies, specialist community organisations, statutory services, Trustg and Foundations. corporate and individu81 donors. New setvi¢es we devebp will focus on being a stepping-stone for young homeless people, working with them around theii needs to become independent and in a position Whe￿ they are flourishing. We will continue lo have high aspirations for those we support. In light of the growing numbers of homeless young people, we will seek to house more people by increasing the number of homes we Can use. 5. Structure, Governance and Management Appointment of Trustees As $8t out in the Memorandum and Articles of Association, the Management Committee (Board of Trustees) sh811 consist of not less Ih8n three members. Only personal members shall be eligible for election to the committee of management, The Chair of the Trustees is appointed by the Management Committee. The Management Committee shall have power to co-opt additional members, but such co-oplions must not exceed one third of the existing strength of the Management Committee al any time nor exceed the maximum number aforesaid. The committee of management may appoint persons èx-officio to assist in specifk or general undertaking. Trustee Recrultrnent, Inductlon, Tralnlng and Appralsal New Trustees are recruited through a range of mechanisms designed to ensure CAYSH benefits from a suitable range of expertise and that the diversty of our Trustees reflects the diversity of our Se￿ICe userg and staff group. In 2025 we introduced a Skills Malfix for the Board of Trustees, identifying specific skills and experiences of the Board, as well as skill gaps. Recruitment of new Trustees is largeled al filling these skills gaps. As with all other staff and volunteers, new Trustees undergo vetting and including EDBS checks and taking up personal and professional references. New Trustees undertake an induction process that includes meeting with key members of the Management Committee lo brief them on their legal obligations under charity and company law. They are also required to complete safeguarding training befo￿ commencing dulles. They receive copies of the Memorandum and Articles of Association. the lalesl copy of the Trustees Report and Financial stalemenls, CAYSH'S Annual Review and ils Strategy. Every year CAYS14 encourages all Trustees to attend external training events relevant to thelr governance role for them lo perform effectively as Trustees. The perfonnance of Trustees. including the Chair, is appraised each year. The appraisal assesses Trustees, conlribution to the Charity and CIC and the value that they add. Trusteos, Actlvlty 2025 - 2026 The charity's full Board of Trustees met four times during the year and one Board Development Day where collectively the Trustees review CAYSH'S organisational purpose. their leadership, organisalional integrity, risks and controls. the Board's effectiveness, diversity, and its accountability. In 8ddilion to the full board, the Finan￿ Oevelopment Commillee and Ihe People and Services Committee also met 8 further four times each during the year. CAYSH Enterprise CIC'S Board of Trustees also met four times during the year. This year Trustees have focused on developing the new strategic direction for the Group over the next Ihfee years wilh the aim of maintaining the upward trend in the financi81 position of the organisalion to ensure future proofing the organisation ability to deliver high quality services to young and vulneiable people. During the year Ihere were 15 Trustees and Directors within the Group as outlined below.. 10

Charity Trustees: 0110412025 to 3110312026 Chair (resigned on 22105120251 Twsleelchair {appointed on 0410612025) Trustee Trustee Trustee (resigned on 0510412025} Trustee Trustee Iresigned on 2811012025) Trustee Trustee (appointed on 1610412025) Trustee {appointed on 02106120251 Trustee (appointed on 2910812025} Trustee lappoinled on 2711012025) B Padhiar L Graham-smith A Dunhill C Galvau D Sanderson-Esl¢ourt J Castaneda L Keogh S Bartlett-Pestell S Chance A Leadbealer G Braimah-odum K McKenzie Executive Management Team: Chris Deacon Victor Brown Andre Chopra P8trick Lineen Sonia Seevaralnam Sonia Wilson CEO Head of Operations Business Development Man8ger Finance Manager Business Compliance and Support Manager Head of People and Culture The Management Committee 1808rd of Trustees or 'Board'l administers the ch8rSty. There are commillees (Finance Development Committee and the People and Services Committee) Ihal review the day-lo-day working of the organisalion 8nd exercise delegated authority on behalf of the Board. CAY8H Enterpr188 Communlty Interest Company Dlrectorg: 0110412025 to 3110312026 J French B Padhiar C Deacon S Saunders Chair Director (resigned on 2210512025) Direclor Director Executlve Management Tfram: Patrick Lineen Finance Managèr Michael Bangura Operations Director Envlronmontsl. Soclal and Govornance (ESG) Envlronmental.. Out most significant carbon footprint comes from the homes we manage and offices we leasé. We have m¢Jdern office space adequate for our current space requirements. 11 is wllhin Startup Croydon's serwced office block, thereby achieving energy savings through the co-localing of small businesses. Vve have limited abilily lo improve the energy efficiency of our homes as we are not the landlord.. however, all utility meters are now smart meters. Recycling Is in operation al our offices and homes. Young People are advised how to bè more efficient in their energy u88ge. Their bills are directly linked lo actual consumption, incentivising energy efficiency. All our homes have an in-date EPC rating. Five Properties have a C rating., three propertles have a D rating and one propety h88 an E rating. The most significant environmental risk for us would be a large hike in gas andlor electricity prices. We will be reprocuring our gas & eleclricily contract this year, which will offer proteclion from any immediate increase in markel prices.

Soclal.. We continued lo provide working environments and homes that met a h￿h standard of health and safety- We had one staff accident in the year. We introduced monthly reporting of Heatth and Safety compliance In the second half of the year, achieving 88 % average across all metrics. Fire safety remains our highest priority and we work with landlords to ensure homes meel the highest standards. We invested £6.037 in training staff during the year. A training planner is used to identrfy and meet training needs across the teams. CAYSH is commilled lo promoting a positive and diverse culture, where all staff and young people feel respected and valued. We seek lo eliminate unlawful discrimination. inequality and unfalr treatment. Our Equality, Diversity and Inclusion policy and procedure was reviewed during the year. CAYSH is committed to the kxal communities in whtch we gerve. We glve preference to local businesses through procurernent, collaborate with local charities and work with local authorities to continuously Improve their systems and seNice8. Governanco.. We strive for diversity al Board level and among the senior executive. At the end of year, 50 10 of Trustees were BAME and 80 % were female. 10% of Trustees have lived experience of homelessness. At executive level. 71 Oh we18 BAME and 29Yo were female. CAYSH use8 a RSsk Register as the overall means of managing risks lo the organisalion. The Board di8cuss and scrulinise il at their quarterly meetings. We have a system of policy revièw and Continue to gcan the horizon for emerging pollcy néeds. Durlng the year we wrote and adopted an ArtrfIci81 Intelligence policy. We now have a due diligence system for vetting polential new Al systems. In our dealings, we uphold elhnical business practices. We are an anli-corruption organisation. We began to explore higher-interest savings accounts Ihan the one8 offered by our bank., this will sècure greater income on the back of our cash reserves. Prlnclpal Rlsk8 and Uncertalntle8 Like any other org8nis8llon CAYSH faces ongoing risk$ le.g. to threat of risks lo reputstlon, commissioned conlracls. Children's legislalionl and risks that are specificlo particular events in its operating ènvironment. Duiing 2025-26 CAYSH reviewed specific additional risks in regard of.. PrlncSpal Rlsk Our expertise Is In our poople: Turnover of staff brings the risk of loss of skill, expertise and knowledge. This can impact our service outcomes, developnEnt of new business and staff satisfaction levels. Risk Management New staff undert8ke an organisalional induction and thorough handovers take p18ce btheen out-going and in-coming s18ff. We have an annual training programme, reflective practice and clear reporting systems. We support staff to develop their Skills and experiences. We actively encourage internal promotion but always appoint the strongest candidate. whether internal or extemal. We also recognise that some staff lurnover is positive, with new staff bringing in f￿s￿ perspectives and enthusiasm. consider 15-200/0 annual staff turnover as ideal. 12

UK Economic Environment: Pressures on public funding continued to mount during the year, nol least because of the rapid increase of costs from Temporary Accommodation. This also creates greater competrlion for limited funds which in turn drives down the pnce for conlracls and does not allow full cost recovery of overheads. Organisalions have had to deal with increased operating cos1$ over a prolonged period of time. CAYSH Enterprise CIC exists to provide safe accommodation for vulnerable people and to support the Group financially. Any surplus made is donated to the Charity. We are focused on growing the Group's income. We will do this through.. securing more CAYSH Enterprise CIC customers, increasing the number of high-quality grant applications made, securing access to more properties with which to leverage support funding, expanding our base of supporters and submitting competitive lender applications, where the proposed contract is financialw viable. We brlng in SP8cialist support to aid our grant 8nd tender-writing. We have registered with Ofsled to deliver supported accommodalion setvices for 16 1 17 year-old children. This will increase our lenderin rtunities. staff and Truslees complete safeguarding Iraining. Three of the Leadership Team complele Designated Safeguarding officer training. We have 8 robust and comprehensive safeguarding policy, reviewed annually and approved by the Board. We adopt best practice and work closely with local 8ulhorities lo keep young people safe. We have robust systems to ensure compliance with health and safety standards. Certification compliance and health and safety check completion is reported to the People & Services Committee of the Board of Trustees. We report compliance lo our landlords quarterly and lo CAYSH'S leadership team monthly Ihrough Key P&rform8nce Indicators. We attend tralning to learn about new Health and Safety legislation. We lake reports of health and safety issu8s seriously and have a clear complalnls policy in place to address Concems. We work closely with landlords and our own conlractors to make re airs rom Safoguardlng vulnerable peoplo The young people we work with are at greater risk of exploitation and hami. Safeguarding cases Gan bring harm to thèm, impact their ability to make progress and affect CAYSH'S Tepulalion. Risks to P00ple's Health and Safety Livin9 in our homes, young people could be exposed to a range of health and safety risks, such as fire, d8mp, mould, carbon monoxide, Inadequate heating, faulty electrics and legionella. In the course of their work, staff and volunteers are al risk whilst tr8velling for work, lone working and office-ba88d risks such as fire. Risk Management The Board of Trustees carry out reviews of CAYSH'S risk strategy in order to- Identify the risks the charity faces. Establish systems and procedures lo mitigate the risks identified. Implement procedures designed to minimise any potenlial impact on the charlty if any of the identified risks occur. 13

The Business Risk Register (BRRI is reviewed quartedy by the Leadership Team and the Board, committ￿S. Each Committee discusses the key risk in associalion with their remit and identifies those that need escalating to the Boaid. Each Committee report and the Board report have a standing section of the risk register. The BRR is based on the IS031000 Risk Management standard measuring business risks in temis of likelihood and impact seriousness for Ihe following.. Finance, Compliance IContracULegislative Compliancel H&S and quality) People and Operations (including Busines$ Continuity). ststement of Trusteos, Re8ponsibilltles The trustees (who are also the direclors forthe purpose of company lawl are responsible for preparing the Annual Report and the finanoi81 statements in accordance with applicable law and regulations. Company Lqw requires the Iruslees to prepare financial slalements for each financial year. Under that law the trustees musl prepare the financial slalements in accordance with United Kingdom Generally Accepled Ac￿unting Practi￿ (United Kingdom Accounting Standards and applicable law). Under company law the trustees musl not approve the financial slalements unless they are salisfEd that they give a true and fair view of the state of affairs of the charitable company and of the incoming resource8 and application of resources, including the income and expendiluw, of th8 charitable company for that period. In prepering these financial slatemenls, the truslees are required lo.. al select suitable accounting policies and then apply them consistently; b) observe the methods and principles in the Charities SORP., c} make judgmen18 2nd accounting estimates that are reasonable and prudent., d} slate whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statemenls-, and el prepare the financial statements on the going concern basis unless it is inappropriate to presum8 that the charllable company will continue to operate. The trustees are responsible for keeping adequate accourtling records that are sufficient to show and explain the charitable company's transactions and disclose with reasonable accuracy al any lime the Inancial position of the charitable company and enable them lo ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the company and hence for laklng rèasonabk steps for the prevention and detection of fraud and other irregularilles. The tru$t88s confim that so far 88 they are awere, there is no relevant audit information {as defined by seclion 41813) of the Companies Act 2006} of which the Charitable company's auditors are unaware. They have taken all the steps that they ought lo have taken as Iruslees In order lo make themselves aware of any relevant audit information and lo establish that Ihe charitable company's auditors are aware of that information. The Trustees have complied with IheSr duty under the Charities Act 2011 to havè due regard lo the Publi¢ Benefit guidance published by the Charity Commission. They have réfer￿d to the guidance when reviewing our purpose and mission 2nd in planning future activities. In particular, cansideralion is given to how planned future activities will contribute lo our strategy. Key rnanagement personnel The Leadership Team ILTI - considered Key Management Personnel for the purposes of SORP FRS102 includes the Chief Executive., and those posts designated as 'Head of Servi¢e' le.g. including Finance Operations, HR, Bltsiness Development and Business Support and Compliance. Directors of CIC Operalionsl. These are the most senior managefs in the organisalion bul are not Directors. For the duration of 2024-2025 the LT comprised eight posts with a total annual staff cost of £400.066 14

Related parties and partner agencies During 2024-2025 CAYSH performed work under contracts wkth the London Boroughs of Croydon and Royal Greenwich as well as client support lo CheshiTe Council. The charity has a number of relationships under housing management agreements with property owners. Audltor8 CAYSH appointed Bryden Johnson Limited in May 2025 and they have audited the accounts for the year ended 31 March 2026 and the Truslees intend to re-appoint them to undertake the audit of the financial statemenls of the Charity in the following year. These financial statements have been prepared in accordance wrth the provisions applicable to small companies subject to the small companies, regime. By order of the Trustee L Graham4mfth Chalr of the Board A Dunhlll Trustee Date: 11-Q7-ZoL6 Dats: 15

Independent Auditor's Report to the Members of CAYSH Opinlon We have audited the financial statements of CAYSH Ilhe 'p8renl charitable company'} and its subsidiary (the 'group'l for the year ended 31 March 2026 which comprise the Slalemenl of Financial Activities Balance Sheel, Statement of Cash Flows and notes to the financial slalemenls. in¢luding 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, ineluding Financial Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic oflreland {Uniled Kingdom Generally Accepted Accounting Practice). In our opinion, the financial 8tatements: give a true and fair view of the slate of the groups and the parent charitable company's aff8irs as 8131 March 2026 and of the group's incoming resources and application of resources, including rts income and expenditure, for Ihe 31 March 2026 then ended. have been properly prepared in accordance wrth Unlled Kingdom Generally Accepted Accounting Practice,. and have been prepared in accordance with the requirements of the Companies Act 2006. Basss for oplnlon We conducted our audit in accordance wilh International Standards on Auditing (UK} (ISAS IUKI) and applicable law. Our responsibililles under those standards are further described in the Auditor's responsibilities for the audit of the lin8ncial slalements section of our report. We are independent of the charitable company in accordance with the ethical requirements that are relevant to OUT audit of the financial slatemenls in the UK, including the FRC'S Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance wllh these requirements. We believe that the audit evidence we have obtained is sufficient end appropriate to provKle a basis for our opinion. Conclusions relatlng to golng concern In auditing the financial slalemenls, we have concluded that the trustees, use of the going concem basis of accounting in the prep8r81ion of the financial statements 15 8ppropriale. 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 $ignJficant doubt on the entity's ability to continue as a going concern for a period of al least twelve months from when the financial statements are aulhorised for issue. Our responsibilities and the responsibilities of Ihe trustees with r88pect lo going concern are described in the relevant sections of this report. Other Infonnatlon The other information comprises the information included in the annual ￿port other than the financial slalementg and our auditor's report thereon. The trustees are responsible for the olher information contained within the annual ￿pOrt. 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 Ihereon. Our responsibilily is to read the other information and, in doing so. consider whether the other information is materially inconsistent with the financial slalemenls, or our knowledge obtained in the course of the audit or otherwise appears lo be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether Ihis gives rise to a malefial misslalemenl in the financial slalemenls themselves. If, based on the Wofk we have performed, we conclude that there is a material misstalement of this other information. we are required lo report that fact. We have nolhing to report in this regard. 16

Opinions on other mattgrs proscribgd by the Companies Act 2006 In our opinion. based on the work undertaken in the course of the audti.. the information given in the trustees. report, which includes the directors, report prepared for company law purposes, for the financial year for which the financial statements are prepared is consistent with the financial statements,. and the directors, report included within the trustees, report has been prepared in accordance with applicable *al reqU1￿MentS. Matters on which we are requlred to report by exceptlon In the light of the knowledge and understanding of the group and the parent charitable company and fts environment obtained in the course of the audit, we have nol identified material misstatements in the trustee8' report. W8 have nothing to report in respect of the following matters in relation to which the Companies Act 2008 requi￿$ us to report to you if, in our opinlon: adequate accounting records have not been kept by the parent charitable company. or retums adequate for our audit have not been received from branches not visited by us., or the parent charitable company financi81 slalements are not in agreement wlth the 8ccounling records and relums," or certain disclosures of trustees, remuneralion specified bylaw are nol made., or we have not received all the information and explanations we require for our audit. Re$ponslbllltle8 of Trust•O8 As explained more fully in the trustees, responsibllilies slalement the trustees Iwho are also th8 directors of the charitable CoM￿nY for the purposes of company lawl 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 the trustees determine is ne￿SSary lo enable Ihe preparation of financial $latements that are free from material misstalemenl, whether due lo fraud or error. In preparing Ihe fin8nci81 statements, the Irusl8es are responsible for assessing the charitable company's abilily to continue as a going concern. disclosing, as appli¢able, mallers related to going concern and using the going con¢em basis of accounting unless the trustees either intend to liquidate the chanlable company or to cease operations, or have no re81istic allernalive bul lo do so. Audltor's respon81bllltlos for tho audlt of the financlal statoments Our objectives are to obtain reasonable assurance about whether the financlal statements as a whole are free from material misstatement, whether due lo fraud orerror, and to issue an audrtols report that includes our opinion. Reasonable assurance is a high level of 8ssurance but is not a guarantee that an audlt conducted in accordance with ISAS IUKI will always delecl a material misstatement when il exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected lo influence the economic decisions of users taken on the basis of these financial statements. Irregularttie5, including fraud, are instances of non-compliance with laws and regulations. Based on our discussions with the charity's management and the trustees, we identified Ihat the following laws and regulations are significant to the entity.. those laws and regulations considered to have a direct effect on the financSal slatements including UK Financial Reporting Standards and Charity Law. those laws and regulations for which non-compliance may be fundamental o the operating aspects of the Charity and therefore may have a malerial effect on the financial Statements including compliance with the charttable objectives, public benefit, safeguarding and he81th and safely legislation. 17

We design procedures in line with our responsibilities, outlined above, lo detect material misstatements in respect of irregularities, including fraud. These matters were discussed amongst the engagement team at the planning stage and the team remained alert to non-compliance throughoul Ihe audit. Audit procedures undertaken in response lo the potential risks relating to irregularities (which include fraud and non-compliance with laws and regulalionsl comprised of.. inquiries of management and Trustees as to whether the entity complie8 with such laws and regulation$-, enquiries with the same concerning any actual or potential litigation or claims-, inspection of relevant legal correspondence. review of Trustees meeting minutes., testing the appropriateness of joumal entries,. and the perfomiance of analytical review to identify unexpected movements in account balances which may be indicative of fraud. No instances of material non-compliance were identified. However, the likelihood ofdete¢ting irregularities, including fraud, is limited by the inherent difficulty in deteeling irregularities, the effectiveness of the entity's controls, and the nature. liming and extent of the audit procedures performed. Irregularities thal result from fraud might be inherently more difficult to detect than irregularities that result from error. As explained 8bove, there is an unavoidable risk that m8terial misstatements may not be detected, even though the audit has been planned and performed in accordance with ISAS (UK). A further description of our resF)onsibilities for the audlt of the fin8ncial statements Is located on the Financi81 Reporting Council's website al.. htt .'Il kJaLtdi sres forms part of our auditor's report. onsibililies. This description 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 $0 that we M￿h1 state to the charitable company's members those mallers we are required to slate to them in an auditor's report and for no other purpose. To the fullest extent permilled by law, we do not accept or assume responsibility to anyone other than the charitable company and the charitable Company's members as a body, for our audit work, for this report, or for the oplnlons we have formed. Jackle Wlldlng (Senlor Statuto For and on behalf of: Bryden Johnson Limited, Charterèd Accountants, Statutory Auditor, Kings Parade, Lower Coombe Street. Croydon, CRO 1AA dltor) Dats: 18

rAYsH CDnsolldatsd Statem•ht of acU¥ltles IlncorpoTating an Income and expÈndltUfe account) Forthe r efided 51 M•rEh 2026 2026 Total Unrestrlcted 2025 Total Unre5trlctEd Re5trlcted Re$trlcted Note Incomiry Resourtts from Chlriuble A(11￿11•$ Olouslng and HDuJlng S•rytc¢sl Supported Housln9 Lodglng5 and floatlng SUPPOrt Grant5 Recel¥ed T)onatlon5 & Other Income Income from Invéstments 1,652,553 869,681 1.652.S55 869.661 27.SOCI 10.927 11.413 2.572.083 2,008,824 800.758 2,008.624 800,758 4,027 54,119 5,392 27.500 4,027 10,927 54.119 5.392 T￿&1 bnromè 2,544.583 27,500 2.869.093 4,027 2,873,120 RÈs¢wM$ ¢xpendd alslng fund5 Expendlture on Charltable att￿11$e5 Supported Houslng Lodging5 and floating support Advlce 5etvlce •xp•ndnurn l Rewjrus E¥p•nded 2.06S.765 457,533 3.916 2.S27.21J 9.527 2.075,292 4S7,535 2,479.262 297.885 E,479,262 E97,885 18.834 2.546.047 2.777.147 2,777,147 lthcome I l•xwdiiur•) for tho 17.370 26,036 91.946 4.027, 95,973, Nlt Incorn I l•xp•ndlwM} b•fov• ￿h•T ￿0￿nIS g•lhs and 10s¥t 2•.036 91,946 4ME7 1 95,973 17.370 8,6661 N•t InDv•m•rt In fiJnd• Rttonelllallofi olfvndi.. Total fund¥ brought foward Totsl fvndj f•th•d lonvrd 17.J70 8,060 26,030 91.946 4.027 95,973 S57.714 $75.084 7,027 15.693-. 564.741 S90.77T 465,767 3,000 5S'7.714-'"-- ?",0'27 468.767 564,741 All ￿¢hI r•iulii ar• dIrf￿d Trom ¢Mttnulng acNvltlqi. Thw• wtm no other rq¢opnls*d palns ￿105￿1￿ Othir than thDS4 $tthd th. Mo¥•m•nti In lundi ir• dlidoied In No¢• 1S110th• stshm•nts.

CAYSH Consolldated Balance 5heei Company no. 02802109 Group 2026 2025 Charlty 2026 2025 Nore Flxed a5set5: Tangible asset5 Investments 2,663 S,384 1,624 100.100 101,724 100100 ioo.100 Current assets: Debtor5 Cash at bank and in hand 2,663 5.384 12 251.954 499,697 204,331 585.942 278,246 430.903 273.923 318,366 Uabllltles- Creditors.. amounts falllng due withln one year 751,651 790,274 709,149 592.289 1163,5371 1230,9161 1140.402) 1150,8191 Nei current assets Total assets le55 current Iiabllltles Re5trlcted Income funds Unrestrlcted Income funds: General funds 15,693 7,027 15,693 7,027 575.084 557,714 6S3,154 653.754 S36.166 Total unrestricted fund5 575.084 557,714 536,166 Totsl charlty funds S90,777 564,741 668.847 543,193 These flnanclal statements have been prepared In accordance wlth the special provlsions appllcable to companles subject to the small companies. reglme. Slgned on Behalf of CAYSH Trustees L Graham-smith Chalr of the Board Date.. ll- 04 - 1026 A Dunhlll Trustee Date..

CAYSH Consolldared Statement of cash flows 202 Reconclllatlon of net Income to net cash flow from operatlng attl¥ltle5 2026 2025 Net Income for the reportlng perlod las per the statement of financlal actMtle51 Depreciation charges Dlvidends. interest and rents from investments Ilncreasel l Decrease in debtors Ioecreasel In credltors 26.036 95,974 4.401 111,423) (47.6231 167.3791 10.548 (5,3921 830 15'.105 Net cash provlded by operatlng actlvlile$ 195.988) 96,854 2026 2025 Cash flcfj¥5 from operatlng artmtles Net cash provSdtd by oper*lng actmtles 195,9881) 96,854 Cash flows from Investlng a(tlvltles'. Dividends, Interest and rent5 from Inve5tment5 Purchase of tanglble flxed asset5 11,423 11,6801 5.393 Ntt cash generated from Investlng actlvltles 9.743 5,393 Change In cash and cash equfvalenls In tht year 186,2451 102,247 Cash and cash equlvalents at the beglnnlng of the year C￿h and cash equlvalents at the end of the yeaf 58'5.942. 483,695 499,697 585,942 AnalysSs of cash and cash equlvalents At l Aprll 2025 Other At 31 March changes 2026 Cash flows Cash at bank and In hand è"&,942', 186,2451 499,697 Total cash and cash equlvalents 585,942 186,2451 499.697 21

CAYSH N¢Xe5 to the flnandal Statements l. Accountlng Pollcles 1.1 stat￿01¥ Informatlon CAYgH is a charitable companv limlted by ouarantee and 15 incorporated in England and Wales. The reglstered office address is Weatherill House. New South Quarter, 23 Whitestone Way, Croydon. CRO 4WF. 1.2 Basls of preparatlon The Financial Statements of the Charity. whlch is a public benefit entlty, have been prepared in accordance with Accounting and Reporting by Charitie5.' Statement of Recornmended Practice applicable io charities preparing thelr accounts In accordance with the financial reporting standard applicable in the UK and Republic of Ireland IFRS 102112nd Edition. effective January 2019, Charities SORP'I, Companies Act 2006 and the Charlties governing document. The financial statements have been prepared Ljnder the hlstorical cost conventlon. The consolldared financlal statements of the Group Incorporate the flnanclal statements of CAYSH and 11$ subsidiary undertaking, CAYSH Enterprise CSC. The ioial incomlng resources atirlbutable to the charity were £2.248.451 12025.. £2,S71 ,9441. The net outgolng resources attributable io the charlty were £2,119,793 1202S'. £2,553.0241 . As permltted by Sectlon 408 of rhe Companles Aci 2006, and also by FRS 102 SORP, no separate Statement of flnancial activitle5 15 presented In respect of the parent company. The accounts are prepared In Sterllng, whlch is the functlonal currency Of the Charlty. Monetary amounts In these flnanclal Statements are rounded to the nearesi £. 1.3 Publlc benefft entlty The charltable cornpany meet the deflnltlon of a publlc benefit entSty under FRSI 02. The Charlty manaqe5 houslno propertie5 on behalf of reqistered houslnq a5s0clatlons and London Borouoh of Croydon Social Servlce5. Under the terms of manaqemeni agreements between rhe Company and the associailon5, the Charlty recelves Income and incurs expenditu¥e both a5 prlncipal and as agent for the housbnq a550cia(ions. All transactSon5 1.e. those relatino to actlvltles both as aqent and prlncipal, are reflecred In the Statement of Flnancial Actlv5tlesllncome and Expenditure Account. 1.4 Golng Concern The irustees conslder that there are no material uncenalntles aboui the charltable company's ablllty to contlnue as a qolnq concein. Key Judqements that the charitable company has made whlch have a slqnlflcant effect on the accounts relates to ihe recoverablllty of debtor balances, whereby the provlsion Is based on manaqemenis, assessment of the recoverab5111y of these balances. The trustees do noi conslder that there are any sources of esilmatlon uncertalnty at the reportlng date that have a slqnlficant rlsk of causlnq a material adjustment to the carrylng amount5 of assets and 1Sabilitles wlthln the next reportln9 period. 1.5 Income Income Is recognlsed when the charity has entitlement to the funds. any performance condltlons atiached to the Income have been met. It 15 probably that the Income wlll be received and that rhe amount can be rnea5ured reliablv. Income Is deferred where It relates to an agreement to provide servSces for a speclflc period and ha5 been received in advance of that perlod. For leoacies. entitlemeni is taken a5 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 rnade by ihe executor{sl to the charity that d15trlbutlon will be made, or when a distrSbution is recelved from the estate. Receipt of a leqacy, In whole or in part. 15 onlv considered probable when the amount can be measured rellably and the charitv has been notified of the execuror's intention to make a dlstribution. Where leqacie5 have been notifled to the charlty. or the charity is aware of the qrantlno of probate, and the criteria for income recognlilon have not been met, then the leoacy is treated a5 a contlnqent asset and disclosed If material. 22

CAYSH Note5 to the financlal statements he Interest receivable Intorc5t on funds held on deposit 15 included when receivable and the arnount can be measured feliablv by the charity, thls 15 normally upon notification of the Interest pald or payable by the bank. 1.7 Expendbture and Irrecoverable VAT Salary and overheads are apportioned between expendiiure headlnqs on the Statement of Flnanclal Activities on the ba5Is of 51aff lime allocated to the activities represented. All expenses are recoqnlsed on an accruals basls. Governance c05t5 comprlse company secretarbal, AGM, membership, external and internal audlt. The costs also include an allocation of indirect costs to cover support from the Chief Executive and other executive directors and service departments. Irrecoverable VAT15 charged a5 a cost agalnst the actlvity for whlch the expenditure was incurred. 1.8 Tanqlble Flxed Assets Tanqible fixed assets are Sncluded In the balance Sheet at cost. Depreclation Is provlded at rates calculated to wrlte down the c05t of each asset to Its estlmated resldual value over It5 expected useful life. Computer Equlpment - 3 and 4 years straiqht Ilne basis Offlce Equlpment 4 years straiqht line basls 1.9 Flxed Asset Investments Flxed asseL Investments are Included at cost and relate ro Investment In 5ubsldlarv, 1.1 O Cash at bank and In hand Cash at bank and cash in hand Includes cash and short term hlqhly Ilould Investments with a Short maturlty of three monrh5 or less form the date of acquisltlon or openlnq of the deposlt or 51milar account. Bank overdrafts are shown wlthln borrowinqs In current liabllltles. 1.1 l Flnanclal Insiruments The ctr)arity only has financial assets and financial liabillrles of a klnd that quallfy a5 baslc financlal Instrument5 Baslc financlal instruments are Initially recoqnlsed at transactlon value and subsequently measured at thelr setilement value wlth the exceptlon of bank loans whlch are subsequently measured at amort15ed cost U51ng the effectlve Interes( method. 1.12 Employee beneffts The cost of any unused hollday entitlement Is recoqnlsed In the perlod In whlch the employee's services are recelved. Termlnatlon benefits are recoqnlsed immedlately as an expense with the Charlty Is demonstrably commltted to termlnate the employment of an employee or to provide terminailon benefits. 1.13 Retlrement beneflt5 The Chaiiry provide5 access to a stakeholder penslon wlth ihe Standard Life Assurance Companv and makes contrlbuilons to the stakeholder and personal pen5ion5 of staff members who qualifv. In the year to 315t March 2026 these contribution5 were made at the rate of 5% of qross salary for permanent staff who had completed a probarlonary perlod In post. 1.14 Operatlng Leases Operatlnq Lea5e5 payable are charged on a stralqht-llne basls over the term of the lease. 1.15 Fund accountSng General Funds are available for use at the d15CTetion of the Trustee5 In furtherance of General objectlves of the charity Restricted Fund5 are fund5 to be used in accordance with speclflc restrlctlons Imposed by the donors 23

Notes to the flnanclal statements 1.16 Taxatlon The company Is a charity and Is therefore exempt from taxatlon. The Charity's sub51dlary qifts any Income io the Charlty to mitigate any tax obligatlons. 1.17 Related Party d15do$ures The charity has taken advantaqe of the exempilon available under FRS 102 whereby It has not disclosed transactlons wlth any wholly owned subsidlary undertaklnq. 1.18 Crltlcal accountlno e5rlmates andjudgements In the application of the Charity's accounilng policies. the Trustees are requlred to make judoement5, estimates and assumptlon5 about ihe carryino amount of assets and liabilities that are noi readlly apparent from other sources. The estimates and assoclated assumptlons are based on hlstorical experience and other factors that are considered to be relevant. Actual results may differ from these e5rlmates. Such estlmates are qenerally in relatlon to rhe recoverability of rent debtor5, whereby the provlsion In the account5 Is based on informailon provided by management. 24

CAI5H Notes to the flnanclal sratements Supported Housln9 Unles￿cted Funds 2026 Unrestrlcted Fund5 2025 Rent respert d managed h05tels Income from Local Auihoritles Conclerge Servlc•s Iniome from Houslng A5s¢xlatlons 1,316.983 1.332,337 335.570 676,487 Lodglngs and Floaibng Supwt Unre5tr1cted Funds 2026 Unre5trlcted Funds 2025 Supportlng People Incolne 869 681 800.758 Grattts Recol¥ed Restrlcted Fyrbds 2026 Resiricted Funds 2025 The Group rtcelved grants towards 5alarles and runnlng c0$15 a5 detalled below Andrews Charltable Trust 2.500 10,000 4,027 Telus Don•tlons and Other Incom• Unr•5tr1rted Funds 2026 Unre5trlrt*d Funds 2025 Incorne derlved frorn Fundralslng and oiher Income Incom• from Inwsthlonts UnTe5tha•d Fund5 2026 Uniesirlcied Funds 2025 Interest recelvable on bank deposlt account Expendiwre on fta151n9 Funds No a550clated expendlture occurred In either the current year, nor the prlor year 25

CAYSH Note5 to the flffjanc1￿ 5tatoment5 . Exp¢ndltur• on Charttable ar0￿e% Z026 2025 iknrostyicted Funds Supported Hou51ng Salaries and Office Costs Dlrect Expenses Support Cost5 Lodglng5 and Fltsatln9 Support Salarle5 and Office C05t5 D5rect Expenses Supporr Costs 1.390.955 471.841 202.971 1,512.434 251,707 256.679 180,832 20,021 46,6S2 185.826 65.407 Ser¥lce Support cosls Total Unrestr1rt￿ Funds 2 527213 2,777.147 Restrlrted Funds Salarles and office Costs Supporr Costs TOMI Rtstrirted Funds 9.527 Totsl Expendllure on Ch4Tltabl• AttMtI•s Gwn4nco costs (Indud￿ wlthln not• 8 abo 2026 202$ Audlt fee Commiiiee Expènses & Recrultment Legal fees & Professlonal 1 5.750 12.500 487 13,997 Ib. Total Exyndllur•lRuouries Exynded (alio Induded wlthln not• 8 abov•) 2026 2025 5alarte5 and wa9e5 Employer's Natlonal Insurance Penslon costs rotti Smff CoJt5 1.427.587 161,342 1.572,313 145,643 68.S31 Priniinglstatlonerylpubliclty Offlce EqulpmentllT Offlce Rentlservlce charg Depreclatlon Other Total Offict Costs 3.960 44.225 4.954 4.401 160608 25.324 28,054 10,547 232.072 Rentslcharges to Hou51ng Assns Malntendncellnternal Decoraiion5 Lodging5 Householder Suppoit Charges Other Total Projett Costs 363.746 69,062 180.832 291.252 69,665 185.826 126 805 Properly repalrs T￿al Property Rep41rs Toul Expendltur 26

CAYSH Notes 10 the flnancial statemthts Analys15 of key rnanagernent perswnel rmuneradon Staff costs were as fDIIows-. 2026 2025 Salarles and wages Soclal security costs Employer's contributlon to deflned contribuilon penslon schemes 27Z.801 36,546 151.339 16,283 There were no redundancy or termlnation costs accrued at the balance Sheet date I settled and paid at the balance sheet dare. The total employee benefit5 (including penslon contrlbuiions and employer's naiional Insurance) ol the key rnanagement personnel were £323.247 12025.. f173.9551. 8d staff afid Dlrctors (frusteesl The average Thumber of employees during the year was 47 12025". 451 One employee earned between £70,QOO and f 79,999 during the year 12025.. one be￿een 170,000 and £79.9991. The charity trustees were nelther pald nor recelved any other beneflts frorn employment wlth the charlty In ihe year 12025.. £nlll. No chdrlty Trustee recelved payment for professlonal or other setvlce5 5upplled to the charlty12025.. Enlll. Amounts shown as Commlttee Expenses (note 8a} rela¢e to rhe cost of facilitle5 for meetlng5, relmbursemÈnt of rravel expenes to meetlngs and cost of Tru51ees rralning. Rolated party trans•cllons Therè were no loans made ro the charlty In rhe ￿ar 12025.. £nlll. There were no related party balances at the year end 12025.. £nlll Aggregate donatlons and orher restrlcted Incorne from Trustees were £NIL12025., £NIL).

CAY5H Nrtes to the hnandal statements 10 Tanglble flxed a55ets- Group Short Term Lease lrnprovement5 & Offlce Equipment Cost or valuatlo At the start of the year Addirions In year Disposals in year 21,275 84,732 1,680 106,007 1,680 At the end of the year 21,275 86,412 107.687 Dèpreclatlon At the start of ihe year Charge for the year Ellrnlnared on disposal 21,275 79.348 4,401 )00.623 4,401 Ar the end ol the year Nei book ¥￿￿e At the end of thi y• 21,275 83,750 105,025 2.663 2.663 At the start of the year 5.384 5,384 l of the above assets are used for charitable purposes. Ioa Tanglbk fixed assits- Chatrlty Short Term Lease ImDrovement5 & Offlce Eoulprnent Ttyt Cost or valuatlon At the start of the year Addlrions In year Dlsposals In year 13,137 13,137 At rhe end of the year 13.137 13.137 Dewecl•flon At the start of the year Charge for the year Éllmlnated on d15P0$41 1,624 1,624 At the end of the year book value Al the end ofth• 13,137 13,157 At the start of the year 1.624 1.624 All of the above assets are used for charitable purposes. 28

CAY5H Notes to the financlal siatemenrs Invesbnents Group 2026 Charlty 2026 2025 2025 Investmeni in subsldlary undertaklng loo,100 ioo,ioo 100.100 ioo,100 In accordance wlth seaion 479A of the Companies Act 2006 Cay5h Enterprise CIC. company number 08774028, has taken advantage of the audlt exemptlon of Its Indlvidual account5 for the year ended 31 March 2026, as Caysh has Detalls of the charlty's subsidlary at 31 March 2026 is a5 follows.. Nature of bujlness Clas3 of shares held Name of Underta￿n9 Reglstered office Hld Dlrect Caysh Enterpr15e CIC Weatherlll House, New Seurh Quarter, 23 Whltestone Way, Croydon, CRO 4WF Buslness support service Ordlnary i 00.00 The a9gregate capiial and reserves and the result for the year of the 5ubsldlary noted above was as follows.. Profft l Oo>s) Nime of undertsklng Caphd and rei•rvts Caysh Enterprlse C 22,026 199,6211 12 D•LffS Group 2026 Charlry 2026 2025 2025 Rent and related re£elvable5 Trade recelvables Bad Debt prov151on Other Debtors Amounts recelvable from group subsldlary Prepayments 1 $0,770 84,173 118.0781 4,000 147,916 78,461 129,3531 4,470 150.770 78.145 118,0781 147,918 54,fj92 129,3531 57,067 10,341 99,389 1.408 2,834 VAT 19.989 251.954 204,331 278.246 273,923 13 Crndltors: arnounts falllng due *lthln one year Group 2026 Charlty 2026 2025 2025 Trade Payables Other Taxe5 & Soclal 5ecurlty Costs Other Creditor5 cruals & Deferred Income5 33,943 31,648 11.989 85.957 117.469 46,476 11,200 55,771 32.309 22,410 9,844 7S.839 77.172 7.555 44.976 163.537 230,916 140.402 150,819 29

CAYSH kns ¢0 the flnandal statements 144 An•tys15 of net Usets fvnds Icurtent year) Ceneral unre5trtcied Toul fvnds Resirlcted Tangib￿ flxed dsseis Net curreni asset5 2.663 572,421 2,663 588.114 15,693 Nrf assets at Ji ￿T(h 2026 14b Anatys15 of net •%¥ets betseÈn fvnds Iwlorytart General utire5tricted Totsl nds Re5trfcted Tanglble fixed ass¢ts Ner current assets 5,384 552,331 LJ5_7.7J5 5.384 5S9.358 7.027 N•t asJ¢ll It 30 Mir¢h 2025 -Zm?: ll_564.711 151 Mo¥em•irts In Iwds Icurr•ni ￿1) At l Aprll 2025 Income & galns Expendlture & 1055es At 31 hluch 2Q26 R•strfrf¢d funds.. vlce Serylce Property repalr5 Serylce5 App de¥elopmen¢ Totsl rel1￿Cted fvnd5 7,027 2,500 10,000 15,000 19.3071 19,527) 220 475 7 5,000 Gen•ral funds 5y.<7,14: LIw..,}￿ ￿￿￿529￿2•¥ LJ575 084 Tow funds ..(2.54fi.,07)', I.. 30

CAYSH Notes to the finan￿￿ statemehts Isb Mo%*mert5 Ih fuhds ￿rtoryt•rj At l Aprfl 2024 Income & galns Expenditure & losses At 31 Mjrch 2025 Restrfaed funds.. vlce Serylce 3.000 4,027 7,027 Totd T¢￿￿tted funds 4.027 7,027, Cerxrnl fvndj 465,757 2-,869-.09? 12.777.147). SS7,714 Tts￿ funds 68,761.-' 2,87>Tr,,.- (2?77.i4X',-"_$64.741 Purpoxs of restdded fvndi thlce Sem¢¢ A grant recelved towards 5al¥les and runnlng costs for Advlce & Communlty Support pro9ramme Property Re￿rI A grant recel¥ed to refurblsh one of thE cofflmon area5 of one of the Charlty'5 propertles together wlth the related expendlture • SeMceB App Development A grant recelved to develop an App ro be used by the Charlty'5 yoyng cllenis fo a55l$t them In obtalfiln employment The General Fund repre5ent$ the general unrestrlcted reseryes ¢f the Croup. Reserves are Ileld at a level to all¢)w It to cope wlth short-term cash flow ffluctuatlons. and If ne¢e5sary te run down Indlvldyal piolectslactlvllle$ an or9an15td manner In the case of wlthdrawal of fundlng. 16 Commltmnu wder operntlng Iwei At thE year end the Group had outstdndlng commltment5 for future mlnlmum lease payrnenis under nOn￿anCelIable operatlng leases, whlch fall due as folth5.' L¢ues whkh oxph.. L•rKI & BulldlDos 2020 Land & Bulldkngi Z025 2026 2025 lejs th•n otte year In to flve years: After more than 5 ￿arS 324,523 80,940 6.533 3,674 Totsl 31

1. Legal and Administratlve Details CAYSH Registered as a ¢harily, CAYSH is a Company limited by gu8r8ntee without share capital. under Memorandum and Articles ofAssociation dated 22 March 1993. Company number: 2802109 Charity Number: 1026822 Reglstered Office: Weatherill House, Now South Quarter, 23 Whltsston• Way¥ Croydon, CRO 4WF The directorsllruslees are all members of the Charity and collectivety comprise the Management Committee whlch is the governing body of the Charity. The Management Committee is elected at the Charity's Annual GiJneral Meeting. Appointments to the committee may be made by its members during the year, in accordance with the Charty's Articles of Associatbn. Members are liable for the Charitrl's liabilities and debts whi18t being a member and up to one year after ceasing to b& a member for those transactions entered into before that date, to e maxlmum of £1.00 CAYSH Entsrprlso CIC Company Numbor: 08774028 Regi¥tsrod Offlco: Woathoflll Hou•0. New South Quartor. 23 WhltO•tono Way, Croydon, CRO 4WF Group Admlni8tratlon Auditors Brydan Johnson Ltsl Kings Parade Lower Coombe Street Croydon CRO 1AA 8ankers BarcSay8 Bank plc 1 North End Croydon Surrey CR9 1RN Sollcitors Mar8on8 8oll¢ltor8 LLP Leonard House 7 Newman Road Bromley Kent BR1 1RJ Telephone.. Email: Internèt.. 020 8683 0227 info ca sh.o )2) INIIESYORS INiiPEOPLE uira disaDiiity OE5 confident EMPLOYER