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2021-03-31-accounts

CHARITY REGISTRATION NUMBER: 1045174

Malbin Trust Unaudited Financial Statements 31 March 2021

HAFFNER HOFF LTD

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

Malbin Trust

Financial Statements

Year ended 31 March 2021

Pages
Trustees' annual report 1 to 2
Independent examiner's report to the trustees 3
Statement of financial activities 4
Statement of financial position 5
Notes to the financial statements 6 to 13

Malbin Trust

Trustees' Annual Report

Year ended 31 March 2021

The trustees present their report and the unaudited financial statements of the charity for the year ended 31 March 2021.

Reference and administrative details

Registered charity name Malbin Trust Charity registration number 1045174 Principal office

The trustees

B Leitner M Leitner J Waldman Independent examiner D Schwarz FCCA 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

Structure, governance and management

Malbin Trust is a charitable trust constituted by a Deed of Trust dated 16 March 1995 and is a registered charity, number 1045174.

The Charity is run by the trustees who all act in an honorary capacity. A new trustee would receive copies of the previous years' Annual Report and Accounts and a copy of the Charity Commission leaflet 'The Essential Trustee : What you need to know'.

Risk Management

The trustees have identified and reviewed the major risks to which the charity is exposed. Both manual and automated checks are regularly invoked, particularly those relating to the operations and finance of the charity. The trustees are satisfied that these systems and procedures mitigate any perceived risks.

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Trustees' Annual Report (continued)

Malbin Trust

Year ended 31 March 2021

Objectives and activities

The objectives of the charity are to benefit charitable purposes and charitable institutions.

Public Benefit Policy

We have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing our aims and objectives and in planning our future activities.

Grant Making Policy

Grants are made to charitable institutions and organisations which accord with the objects of the charity.

Investment Policy

Under its governing document, the charity has the power to make any investment which the trustees see fit. The trustees have considered the most appropriate policy for investing funds and have invested in property and joint property ventures. These investments are kept under constant review.

Achievements and performance

During the year the charity made grants totalling £11,680 in accordance with its objects.

Financial review

As at 31 March 2021 the charity held free unrestricted reserves of £13,489 (2020:£9,691).

Reserves Policy

The Unrestricted Fund represents the unrestricted funds arising from past operating results.

It is the policy of the charity to hold reserves sufficient to maintain grants at previous years levels. The trustees feel lit would be prudent to maintain reserves at such a level that would enable the charity to take advantage of investment opportunities arising so as to generate its own income to meet this aim.

The trustees' annual report was approved on 24 January 2022 and signed on behalf of the board of trustees by:

B Leitner Trustee

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Malbin Trust

Independent Examiner's Report to the Trustees of Malbin Trust

Year ended 31 March 2021

I report to the trustees on my examination of the financial statements of Malbin Trust ('the charity') for the year ended 31 March 2021.

Responsibilities and basis of report

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

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

Independent examiner's statement - matter of concern identified

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

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

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

  3. the financial statements do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair' view which is not a matter considered as part of an independent examination.

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

D Schwarz FCCA Independent Examiner 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

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Malbin Trust

Statement of Financial Activities

Year ended 31 March 2021

2021 2021 2020
Unrestricted
funds Total funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 4 1,854 1,854 2,475
Investment income 5 32,360 32,360 (620)
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ
Total income 34,214 34,214 1,855
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶
Expenditure
Expenditure on raising funds:
Investment management costs 6 (9,025) (9,025) (17,258)
Expenditure on charitable activities 7,8 (13,104) (13,104) (15,368)
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Total expenditure (22,128) (22,128) (32,923)
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Net income/(expenditure) and net movement in funds 12,086 12,086 (31,068)
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
Reconciliation of funds
Total funds brought forward 315,884 315,884 346,952
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Total funds carried forward 327,970 327,970 315,884
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶

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

The notes on pages 6 to 13 form part of these financial statements.

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Malbin Trust

Statement of Financial Position

31 March 2021

2021 2020
Note £ £
Fixed assets
Tangible fixed assets 14 233 274
Investments 15 365,335 365,277
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
365,568 365,551
Current assets
Debtors 16 9,270 10,768
Cash at bank and in hand 13,018 5,721
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
22,288 16,489
Creditors: amounts falling due within one year 17 (8,799) (6,798)
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Net current assets 13,489 9,691
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Total assets less current liabilities 379,057 375,242
Creditors: amounts falling due after more than one year 18 (51,087) (59,358)
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Net assets 327,970 315,884
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Funds of the charity
Unrestricted funds 327,970 315,884
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Total charity funds 19 327,970 315,884
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶

These financial statements were approved by the board of trustees and authorised for issue on 24 January 2022, and are signed on behalf of the board by:

B Leitner Trustee

The notes on pages 6 to 13 form part of these financial statements.

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Malbin Trust

Notes to the Financial Statements

Year ended 31 March 2021

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 8 Cheltenham Crescent, Salford, Manchester, M7 4FP.

2. Statement of compliance

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

3. Accounting policies

Basis of preparation

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

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

Going concern

There are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

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

Fund accounting

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

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

Incoming resources

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

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Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

3. Accounting policies (continued)

Resources expended

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

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

Tangible assets

All fixed assets are recorded at cost.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Furniture

Investments

Unlisted equity investments are initially recorded at cost, and subsequently measured at fair value. If fair value cannot be reliably measured, assets are measured at cost less impairment.

Listed investments are measured at fair value with changes in fair value being recognised in income or expenditure.

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Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

3. Accounting policies (continued)

Investment property

Investments are included in the accounts at their market value. Any gains or losses are taken to the Statement of Financial Activities.

Investments in joint property syndicates

This represents capital introduced by the company into the syndicates plus accrued surpluses less deficiencies but without revaluing the syndicate properties.

Some of the syndicates in which the company is a participator have borrowings which are secured on the syndicate properties.

The company accounts for its syndicate investments under the 'equity accounting' basis and thus the company's share of such borrowings are not included in these accounts.

Impairment of fixed assets

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

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

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

Financial instruments

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

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs, unless the arrangement constitutes a financing transaction, where it is recognised at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

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

- 8 -

Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

4. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Donations
Donations 1,854 1,854 2,475 2,475
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶
5. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Income from investment properties 32,360 32,360 (620) (620)
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶ ৶৶৶৶
6. Investment management costs
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Property repairs and maintenance
charges 464 464 5,790 5,790
Rent & rates (1,645) (1,645) 896 896
Heat and light 4,622 4,622 4,028 4,028
Insurance 611 611 317 317
Agent's commission 1,888 1,888 2,382 2,382
Loan interest 3,085 3,085 3,845 3,845
ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
9,025 9,025 17,258 17,258
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
7. Expenditure on charitable activities by fund type
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Charitable activities 11,680 11,680 13,033 13,033
Support costs 1,424 1,424 2,335 2,335
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
13,104 13,104 15,368 15,368
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
8. Expenditure on charitable activities by activity type
Grant funding Total funds Total fund
of activities Support costs 2021 2020
£ £ £ £
Charitable activities 11,680 11,680 13,033
Governance costs 1,424 1,424 2,335
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
11,680 1,424 13,104 15,368
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶

- 9 -

Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

9. Analysis of grants

2021 2020
£ £
Grants to institutions
Grants to institutions 9,680 10,633
Grants to individuals
Grants to individuals 2,000 2,400
ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Total grants 11,680 13,033
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
Grants to Individuals
2021
£
2,000
Grants to Institutions
Grants over £900
£
Belz Communities 975
Chassidei Belz Manchester 2,260
KYC Manchester 1,450
Mercaz Torah Vechesed Limited 1,200
Further Grants 3,795
ৄৄৄৄৄৄৄ
Total Grants to Institutions 9,680
ৄৄৄৄৄৄৄৄ
Total Grants 11,680
৶৶৶৶৶৶৶৶

The above grants went towards the following purposes; the relief of poverty, relief of those in need by reason of ill health or disability, the advancement of Jewish religion and the advancement of Jewish religious education.

10. Net income/(expenditure)

Net income/(expenditure) is stated after charging/(crediting):

Net income/(expenditure) is stated after charging/(crediting):
2021 2020
£ £
Depreciation of tangible fixed assets 41 49
৶৶৶৶ ৶৶৶৶
11. Independent examination fees
2021 2020
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,260 1,260
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶

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Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

12. Staff costs

Nil Nil

The average head count of employees during the year was Nil (2020: Nil).

No employee received employee benefits of more than £60,000 during the year (2020: Nil).

13. Trustee remuneration and expenses

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

14. Tangible fixed assets

Furniture &
Fittings
£
Cost
At 1 April 2020 and 31 March 2021 2,285
৶৶৶৶৶৶৶
Depreciation
At 1 April 2020 2,011
Charge for the year 41
ৄৄৄৄৄৄৄ
At 31 March 2021 2,052
৶৶৶৶৶৶৶
Carrying amount
At 31 March 2021 233
৶৶৶৶৶৶৶
At 31 March 2020 274
৶৶৶৶৶৶৶
Investments
Unlisted Investment Other
investments properties investments Total
£ £ £ £
Cost or valuation
At 1 April 2020 2,456 370,060 (7,238) 365,278
Additions
Fair value movements 1,822 1,822
Other movements (1,765) (1,765)
ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
At 31 March 2021 2,456 370,060 (7,181) 365,335
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Impairment
At 1 April 2020 and 31 March 2021
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Carrying amount
At 31 March 2021 2,456 370,060 (7,181) 365,335
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
At 31 March 2020 2,456 370,060 (7,238) 365,278
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶

15. Investments

All investments shown above are held at valuation.

- 11 -

Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

15. Investments (continued)

Investment properties

The investment properties are stated at market value as per the trustees valuation at the year end.

Investments in joint property syndicates

Other Investments are joint property syndicates. This is comprised of capital introduced by the charity into the syndicates plus accrued surpluses less deficiencies but without revaluing the syndicate properties.

16. Debtors

2021 2020
£ £
Trade debtors 1,454 2,534
Other debtors 7,816 8,234
ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
9,270 10,768
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
17. Creditors: amounts falling due within one year
2021 2020
£ £
Bank loans and overdrafts 6,001 4,000
Accruals and deferred income 1,260 1,260
Other creditors 1,538 1,538
ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ
8,799 6,798
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶
18. Creditors: amounts falling due after more than one year
2021 2020
£ £
Bank loans and overdrafts 51,087 59,358
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
19. Analysis of charitable funds
Unrestricted funds
Unrestricted funds
At At
1 April 2020 Income Expenditure 31 March 2021
£ £ £ £
General funds 315,884 34,214 (22,128) 327,970
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
At At
1 April 2019 Income Expenditure 31 March 2020
£ £ £ £
General funds 346,952 1,855 (32,923) 315,884
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶

- 12 -

Malbin Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2021

20. Analysis of net assets between funds

Unrestricted Total Funds
Funds 2021
£ £
Tangible fixed assets 233 233
Investments 365,335 365,335
Current assets 22,288 22,288
Creditors less than 1 year (8,799) (8,799)
Creditors greater than 1 year (51,087) (51,087)
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Net assets 327,970 327,970
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Unrestricted Total Funds
Funds 2020
£ £
Tangible fixed assets 274 274
Investments 365,277 365,277
Current assets 16,489 16,489
Creditors less than 1 year (6,799) (6,799)
Creditors greater than 1 year (59,357) (59,357)
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Net assets 315,884 315,884
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶

- 13 -