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$ ¢xpend*d
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 r*muneradon
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 Dlr*ctors (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
H*ld 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•L*ffS
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.,0*7)', 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

6. 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