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##
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##
##
##
##
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##
##
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##
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##
|Trustees||||
|---|---|---|---|
|Mr 3SGosal Chair||||
|Ms SAshby Treasurer||(resigned 20/11/20)||
|Mr A 5Webster||||
|Mr M Wisgard
(resigned|||17/10/21)|
|Ms C M Taylor||||
|Ms F Mclaren (resigned|||10/5/21)|
|Ms K Gray||||
|Ms E Coulter||||
|Mr 3 Lom||||
|Mr R Patel (appointed||12/1/21)||
|Mr P Mcfarlane
(appointed
14/7/21)||||
|Chief Executive||||
|Suzanne
Hudson||||
|Company
Secretary||||
|Suzanne
Hudson||||
|Senior management||||
|Suzanne
is supported||by Karen Brunger (Head ofAdvice Services) and Kath Deegan (Head of Finance and Premises).||
|Auditors||||
|Hartley
Fowler LLP||||
|Statutory
Auditors||||
|Chartered
Accountants||||
|4th Floor Tuition|House|||
|27-37StGeorge's|Road|||
|Wimbledon||||
|London||||
|SW19 4EU||||
|Legal Advisors||||
|Prosperity
Law LLP||||
|Vantage
Point||||
|4 Hardman
Street||||
|Manchester||||
|M3 3HF||||
|Bankers||||
|National
Westminster||Bank Pic||
|16Wimbledon
Hill Road||||
|Wimbledon||||
|London||||
|SW19 7NN||||
|Caf Bank Ltd||||
|25 Kings
Hill Avenue||||
|Kings
Hill||||
|West Mailing||||
|ME1943Q||||
##
##
##
##
##
##
##
##
##
##
##
|||||||||2021|2020|
|---|---|---|---|---|---|---|---|---|---|
|||||||Unrestricted|Restricted|Total|Total|
|||||||funds|funds|funds|funds|
||||||Notes|I|I|6|I|
|INCOME FROM||||||||||
|Donations
and gifts in|kind|||||41,614|35,000|76,614|41,798|
|Charitable
activities||||||||||
|Core Advice, Adviceline||and Information||services||556,500|60,000|616,500|539,000|
|Lambeth
Children's
Centre||||||77,343||77,343|77,344|
|London
BiQuadrant
Pound Advice||||||70,160||70,160|33,407|
|Clarion
Housing||||||30,000||30,000|30,000|
|Merton
Disability
Benefit||||||20,000||20,000|20,000|
|Universal
Credit Help to||Claim|||||120,157|120,157|124,335|
|Merton
EU Settlement|Scheme|||||52,608||52,608|51,300|
|Lambeth
Council Tax Summons|||Service|||35,000||35,000|22,500|
|Merton
Covid Support|||||||37,500|37,500||
|Lambeth
Covid Support||||||45,000||45,000||
|Lambeth
EU Settlement||Scheme||||25,000||25,000||
|Other Services and Projects||||||15,200|9,390|24,590|72g708|
|Investment
income||||||180||180|669|
|Other income||||||9||9|9,254|
|Total||||||968,614|262,047|1,230,661|1,022,315|
|EXPENDITURE ON||||||||||
|Raising funds||||||2,738||2,738|2,626|
|Charitable
activities||||||||||
|Core Advice, Adviceline||and Information||services||548,946|50,543|599,489|533,822|
|Lambeth
Children's
Centre||||||64,050||64,050|60,490|
|London
8i Quadrant
Pound Advice||||||46,141||46,141|37,894|
|Clarion
Housing||||||28,760||28,760|33,444|
|Merton
Disability
Benefit||||||40,231||40,231|31,632|
|Universal
Credit Help to||Claim|||||120,157|120,157|124,171|
|Merton
EU Settlement|Scheme|||||50,127||50,127|38,538|
|Lambeth
Council Tax Summons|||Service|||28,558||28,558|22,337|
|Merton
Covid Support|||||||36,566|36,566||
|Lambeth
Covid Support||||||45,000||45,000||
|Other Services and Projects||||||9,302|9,390|18,692|48,484|
|Other||||||53,985||53,985||
|Total||||||917,838|216,656|1,134,494|933,438|
|NET INCOME||||||50,776|45,391|96,167|88,877|
|RECONCILIATION
OF FUNDS||||||||||
|Total funds brought|forward|||||264,846|18,675|283,521|194,644|
|TOTAL FUNDS CARRIED FORWARD||||||315,622|64,066|379,688|283,521|
##
|||2021|2020|
|---|---|---|---|
||Notes||f|
|FIXEDASSETS||||
|Tangible assets|14||699|
|CURRENT ASSETS||||
|Debtors|15|90,297|48,572|
|Cash at bank||350,340|281,286|
|||440,637|329,858|
|CREDITORS||||
|Amounts
falling due within one year|16|(50,408)|(34,546)|
|NET CURRENT ASSETS||390,229|295,312|
|TOTAL ASSETS LESSCURRENT LIABILITIES||390,229|296,011|
|PENSION LIABILITY|20|(10,541)|(12,490)|
|NET ASSETS||379,688|283,521|
|FUNDS|19|||
|Unrestricted
funds||315,622|264,846|
|Restricted funds||64,066|18,675|
|TOTAL FUNDS||379,688|283,521|
##
##
||||2021|2020|
|---|---|---|---|---|
|||Notes|6|6|
|Cash flows from operating|activities||||
|Cash generated
from operations|||68,874|71,665|
|Net cash provided
by operating|activities||68,874|71,665|
|Cash flows from investing|activities||||
|Sale of tangible
fixed assets||||1,057|
|Interest received|||180|669|
|Net cash provided
by investing|activities||180|1,726|
|Change in cash and cash equivalents||in|||
|the reporting
period|||69,054|73,391|
|Cash and cash equivalents|at the||||
|beginning
ofthe reporting|period||281,286|207,895|
|Cash and cash equivalents|at the end|of|||
|the reporting
period|||350,340|281,286|
##
##
##
|RECONCILIATION|OF NET INCOME TO NET CASH FLOW FROM|OF NET INCOME TO NET CASH FLOW FROM|OF NET INCOME TO NET CASH FLOW FROM|OPERATING|OPERATING|ACIIVITIES||
|---|---|---|---|---|---|---|---|
|||||||2021|2020|
|||||||E|E|
|Net income for the
Financial Activities)||reporting|period (as per the Statement of|||96,167|88,877|
|Adjustments
for:
Depreciation
charges
Interest received||||||699
(180)|(669)|
|(Increase)/decrease
Increase/(decrease)
Difference between|in debtors
in creditors
pension charge and cash contributions|||||(41,725)
15,862
(1,949)|2,670
(16,552)
(2,661)|
|Net cash provided||by operations||||68,874|71,665|
|ANALYSIS OF CHANGES IN|||NET FUNDS|||||
||||AL|1/4/20|Cash flow||At' 31/3/21|
|||||E||E|E|
|Net cash||||||||
|Cash at bank|||281,286|||69,054|350,340|
||||281(286|||69,054|350,340|
|Total|||281i286|||69,054|350,340|
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
|DONATIONS
AND GIFTS IN KIND|||
|---|---|---|
||2021
6|2020I|
|Gifts in kind|41,510|41,510|
|Donations|35,104|288|
||76,614|41,798|
|INVESTMENT INCOME|||
||2021I|2020I|
|Deposit account interest|180|669|
##
##
|Income from grants
and contracts:||||||||
|---|---|---|---|---|---|---|---|
|||||||2021|2020|
|||||||6|6|
|Income from Generalist
advice:||||||||
|Unrestricted||||||||
|London
Borough of Merton
—Generalist
London
Borough of Lambeth
- Generalist||||advice services
advice services||355,000
161,000|355,000
159,000|
|||||||516,000|514,000|
|Income from other projects:||||||||
|Unrestricted||||||||
|London
Borough of Lambeth
—Children's
Centre
London
Borough of Merton - Disability
Benefit
London & Quadrant
Pound Advice
Clarion
Housing
Wimbledon
Guild||||||77,343
20,000
70,160
30,000
9,200|77,344
20,000
33,407
30,000
8,800|
|Wandle
Housing
Association
Merton
EU Settlement
Scheme||||||52,608|52,533
51,300|
|Lambeth
Council Tax Summons|Service|||||35,000|22,500|
|Lambeth
Covid Support||||||20,000||
|Lambeth
Enterprise||||||25,000||
|Lambeth
EU Settlement
Scheme||||||25,000||
|Google Ads
Other services and projects||||||40,500
6,000|11,375|
|||||||410,811|307,259|
|Restricted||||||||
|UC Credit Help to Claim
The Walcot Foundation||||||120,157
25,000|124,355
25,000|
|Merton
Covid Support
Merton
Neighbourhood
Fund
BEISRemote Working
Fund||||||37,500
35,000
8,610||
|Windrush
Compensation
Scheme||||||780||
|||||||227,047|149,335|
|Total income from other projects||||||637,858|456,594|
|Summary
oftotal income:||||||||
|Unrestricted
Income
—London
Borough's|||of Merton||and Lambeth|516,000|514,000|
|Unrestricted
Income
—other projects
Unrestricted
Income - donations||||||410,811
41,614|307,259
41,798|
|Unrestricted
Income - investment|and|other||||189|9,923|
|Restricted
income - donations||||||35,000||
|Restricted
income - other projects||||||227,047|149,335|
|Total Income - Statement of Financial||Activities||||1,230,661|1,022,315|
##
##
|RAISING FUNDS||||||
|---|---|---|---|---|---|
|Raising donations
and legacies||||2021|2020|
|||||E|E|
|Fundraising
expenditure||||2,738|2,626|
|CHARITABLE ACTIVITIES COSTS||||||
|||||Support||
||||Direct|costs (see||
||||Costs|note 8)|Totals|
||||E|E|E|
|Core Advice, Adviceline
and Information
services|||441,718|157,771|599,489|
|Lambeth
Children's
Centre|||50,789|13,261|64,050|
|London &Quadrant
Pound Advice
Clarion
Housing
Merton
Disability
Benefit
Universal
Credit Help to Claim
Merton
EU Settlement
Scheme|||37,261
22,708
31,865
105,225
40,875|8,880
6,052
8,366
14,932
9,252|46,141
28,760
40,231
120,157
50,127|
|Lambeth
Council Tax Summons|Service||23,016|5,542|28,558|
|Merton Covid Support
Lambeth
Covid Support
Other Services and Projects|||35,591
45,DDD
16,832|975
1,860|36,566
45,000
18,692|
||||850,88D|226,891|1,077,771|
|Summary
oftotal expenditure||||2021
E|2020
E|
|Charitable
activities costs (above)
Fundraising
expenditure
(note 6)
Other costs - exceptional
item (note 9)||||1,077,771
2,738
53,985|930,812
2,626|
|Total Expenditure
- Statement|of Financial|Activities||1,134,494|933,438|
|SUPPORT COSTS||||||
||||Service|||
||||suppoit||Human|
||||costs|Finance|resources|
||||E|E|E|
|Core Advice, Adviceline
and Information
services|||97,074|18,006|3,301|
|Lambeth
Children's
Centre|||6,585|2,134|391|
|London 8 Quadrant
Pound Advice
Clarion
Housing
Merton
Disability
Benefit
Universal
Credit Help to Claim
Merton
EU Settlement
Scheme|||4,410
3,005
4,154
9,604
4,595|1,429
974
1,346
3,013
1,489|262
179
247
552
273|
|Lambeth
Council Tax Summons|Service||2,752|892|164|
|Merton Covid Support
Other Services and Projects|||626
924|197
299|36
55|
||||133,729|29,779|5,460|
##
||||Communications|||
|---|---|---|---|---|---|
||||and|Governance||
||||research|costs|Totals|
||||I|I|6|
|Core Advice, Adviceline
and Information||||||
|services|||32,292|7,098|157,771|
|Lambeth|Children's
Centre||3,310|841|13,261|
|London|8Quadrant
Pound Advice||2,216|563|8,880|
|Clarion|Housing||1,510|384|6,052|
|Merton|Disability
Benefit||2,088|531|8,366|
|Universal
Credit Help to Claim|||575|1,188|14,932|
|Merton|EU Settlement
Scheme||2,309|586|9,252|
|Lambeth|Council Tax Summons|Service|1,383|351|5,542|
|Merton|Covid Support||38|78|975|
|Other Services and Projects|||464|118|1,860|
||||46,185|11,738|226,891|
##
##
##
##
##
|Net income/(expenditure)
is stated after charging/(crediting|):||
|---|---|---|
||2021
6|2020I|
|Audit fees|4,049|3,960|
|Other non-audit
services|1,830|1,780|
|Depreciation
-owned assets|699||
|Operating
leases - equipment|4,099|4,223|
##
##
##
##
##
|STAFF COST|S|||||
|---|---|---|---|---|---|
|||||2021
I|2020
I|
|Salaries and wages||||719,941|620,470|
|Social security|costs|||62.975|52,510|
|Pension costs||||15,763|14,776|
|Other staff related costs||||1,657|1,421|
|||||800,336|689,177|
|The average
monthly||number of employees|during the year was as follows:|||
|||||2021|2020|
|Senior Management||Team||3|3|
|Service/Team|Managers|||5|5|
|Service Teams||||22|18|
|||||30|26|
##
|The number
ofemployees|whose employee|whose employee|whose employee|benefits (excluding|benefits (excluding|benefits (excluding|employer|pension costs) exceeded 660,000was;|pension costs) exceeded 660,000was;|pension costs) exceeded 660,000was;|
|---|---|---|---|---|---|---|---|---|---|---|
||||||||||2021|2020|
|660,001 - 670,000|||||||||1|1|
|The key management
personnel||ofthe charitable|||company|are|the senior management||team, which includes:||
|(i) Chief Executive Officer|||||||||||
|(ii) Head of Advice Services|||||||||||
|(iii) Head of Finance and Premises|||||||||||
|The key management
personnel||received|benefits||during the year of6116,170(2020:||||6116,785).||
|Volunteers|||||||||||
|The CAML service volunteer|team was 31at|||31 March 2021||(2020:71)|||||
|COMPARATIVES FOR THE STATEMENT||||OF FINANCIAL ACTIVITIES|||||||
||||||||Unrestricted||Restricted|Total|
|||||||||funds
I|funds
I|fundsI|
|INCOME FROM|||||||||||
|Donations
and giRs in kind||||||||41,798||41,798|
|Charitable
activities|||||||||||
|Core Advice, Adviceline
and|Information||||||||||
|services|||||||514,000||25,000|539,000|
|Lambeth
Children's
Centre||||||||77,344||77,344|
|London 8i Quadrant
Pound|Advice|||||||33,407||33,407|
|Clarion
Housing||||||||30,000||30,000|
|Merton
Disability
Benefit||||||||20,000||20,000|
|Universal
Credit Help to Claim|||||||||124,335|124,335|
|Merton
EU Settlement
Scheme||||||||51,300||51,300|
|Lambeth
Council Tax Summons||Service||||||22,500||22,500|
|Other Services and Projects||||||||72,708||72,708|
|Investment
income||||||||669||669|
##
|13.|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -continued|||
|---|---|---|---|---|---|---|---|---|---|
|||||||Unrestricted|Restricted||Total|
|||||||funds
I|funds
I||fundsI|
||Other income|||||9,254|||9,254|
||Total|||||872,980|149,335||1,022,315|
||EXPENDITURE ON|||||||||
||Raising funds|||||2,462||164|2,626|
||Charitable
activities|||||||||
||Core Advice, Adviceline|||and Information||||||
||services|||||508,822|25,000||533,822|
||Lambeth
Children's|Centre||||60,490|||60,490|
||London ai Quadrant|Pound Advice||||37,894|||37,894|
||Clarion
Housing
Merton
Disability
Benefit
Universal
Credit Help to Claim
Merton
EU Settlement
Scheme|||||33,444
31,632
38,538|124,171||33,444
31,632
124,171
38,538|
||Lambeth
Council Tax||Summons||Service|22,337|||22,337|
||Other Services and|Projects||||48,484|||48,484|
||Total|||||784,103|149,335||933,438|
||NET INCOME|||||88,877|||88,877|
||RECONCILIATION||OF FUNDS|||||||
||Total funds brought|||forward||175,969|18,675||194,644|
||TOTAL FUNDS CARRIED FORWARD|||||264,846|18,675||283,521|
|14.|TANGIBLE FIXED|ASSETS||||||||
||||||||||Fixtures|
||||||||||and|
||||||||||fittings
I|
||COST|||||||||
||At 1 April 2020 and|31March 2021|||||||103,631|
||DEPRECIATION|||||||||
||At 1 April 2020
Charge for year||||||||102,932
699|
||At 31 March 2021||||||||103,631|
||NET BOOK VALUE|||||||||
||At 31 March 2021|||||||||
||At 31March 2020||||||||699|
##
|||||2021|2020|
|---|---|---|---|---|---|
|||||E|E|
|Trade debtors||||58,000|37,446|
|Other debtors||||108||
|Accrued income||||18,750||
|Prepayments||||13,439|11,126|
|||||90,297|48,572|
|CREDITORS: AMOUNTS|FALLING DUE WITHIN ONE||YEAR|||
|||||2021|2020|
|||||E|E|
|Trade creditors||||9,189|9,407|
|Social security and other taxes||||17,370|14(786|
|VAT||||4,881|4,268|
|Other creditors||||4,194||
|Deferred income||||8,100||
|Accrued expenses||||6,674|6,085|
|||||50,408|34,546|
|LEASING AGREEMENTS||||||
|Minimum
lease payments|under non-cancellable|operating|leases fall due as follows:|||
|||||2021|2020|
|Within one year|||||2,752|
##
##
##
|ANALY|SIS OF NET ASSETS BE|TWEEN FUNDS||||
|---|---|---|---|---|---|
|||||2021|2020|
|||Unrestricted|Restricted|Total|Total|
|||funds|funds|funds|funds|
|||E|E|E|E|
|Fixed assets|||||699|
|Current|assets|368,471|72,166|440,637|329,85&|
|Current|liabilities|(42,308)|(8,100)|(50,408)|(34,546)|
|Pension|liability|(10,541)||(10,541)|(12,490)|
|||315,622|64,066|379,688|283,521|
##
##
##
##
|Comparatives
for net|assets|assets|between|between|funds|Unrestricted|Restricted||2020||
|---|---|---|---|---|---|---|---|---|---|---|
|||||||funds|funds|Total funds|||
|||||||E|E||E||
|Fixed assets||||||699|||699||
|Current assets||||||311,183|18,675||329,858||
|Current
liabilities||||||(34,546)|||(34,546)||
|Pension
liability||||||(12,490)|||(12,490)||
|||||||264,846|18,675||283,521||
|MOVEMENT IN FUNDS|||||||||||
|||||||||Net|||
|||||||||movement||At|
||||||||At' 1/4/20|in funds|31/3/21||
||||||||E|E||E|
|Unrestricted
funds|||||||||||
|General
Fund|||||||277,336|48,827|326,163||
|Pension reserve|||||||(12,490)|1,949|(10,541)||
||||||||264,846|50,776|315,622||
|Restricted funds|||||||||||
|The Walcot Foundation|||||||18,675|||18,675|
|Merton Coronavirus|Fund|||||||934||934|
|Merton
Neighbourhood
Restdcted
Donation||Fund||||||29,106
15,351||29,106
15,351|
||||||||18,675|45,391||64,066|
|TOTAL FUNDS|||||||283421|96,167|379,688||
|Net movement
in funds,||included||in|the above are as follows:||||||
||||||||Incoming|Resources|Movement||
||||||||resources|expended|in|funds|
||||||||E|E||E|
|Unrestricted
funds|||||||||||
|General
Fund|||||||968,614|(919,787)||48,827|
|Pension reserve||||||||1,949||1,949|
||||||||968,614|(917,838)||50,776|
|Restricted funds|||||||||||
|The Walcot Foundation|||||||25,000|(25,000)|||
|UC Help ln Claim
Merton
Coronavirus|Fund||||||120,157
37,500|(120,157)
(36,566)||934|
|Windrush
Compensation
Scheme
NCA Soft phone equipment
and
Merton Neighbourhood
Fund
Restricted
Donation||||headsets|||780
8,610
35,000
35,000|(780)
(8,610)
(5,894)
(19,649)||29,106
15,351|
||||||||262,047|(216,656)||45,391|
|TOTAL FUNDS|||||||1,230,661|(1,134,494)||96,167|
##
##
|Compar|atives
for movem|ent
in f|unds||||
|---|---|---|---|---|---|---|
||||||Net||
||||||movement|At'|
|||||At 1/4/19|in funds|31/3/20|
|||||6|6|6|
|Unrestricted
funds|||||||
|General|Fund|||191,120|86,216|277,336|
|Pension|reserve|||(15,151)|2,661|(12,490)|
|||||175,969|88,877|264,846|
|Restricted funds|||||||
|The Walcot Foundation||||18,675||18,675|
|TOTAL|FUNDS|||194,644|88,877|283,521|
|Comparative
net movement||in funds,|included|in the above are as follows:|||
|||||Incoming|Resources|Movement|
|||||resources|expended|in funds|
|||||6|6|6|
|Unrestricted
funds|||||||
|General|Fund|||872,980|(786,764)|86,216|
|Pension|reserve||||2,661|2,661|
|||||872,980|(784,103)|88,877|
|Restricted funds|||||||
|The Walcot Foundation||||25,000|(25,000)||
|UC Help|to Claim|||124,335|(124,335)||
|||||149,335|(149,335)||
|TOTAL|FUNDS|||1,022,315|(933,438)|88,877|
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|EMPLOYEE BENEFIT OBLIGATIONS - continued|EMPLOYEE BENEFIT OBLIGATIONS - continued|EMPLOYEE BENEFIT OBLIGATIONS - continued||||||||
|---|---|---|---|---|---|---|---|---|---|
|Where the scheme
is in deficit and where the company|||has agreed to a deficit funding
arrangement|||||the|company|
|recognises a liability for this obliqatlon.
The amount
recognised
contributions
payable
under the agreement
that relates to the
discount
rate detailed
in these disclosures. The unwinding
ofthe||||is the net present
value of the deficit
deficit. The present
value is calculated
discount rate is recognised
as a finance|||||reduction
using
the
cost.|
|Present value of provision||||||||||
|||||31.3.2021||31.3.2010||31.3.2019||
|Present value of provision||||510,541||612,490||f15,151||
|Reconciliation ofopening
and closing provisions||||||||||
|||||||31.3.2021||31.3.2020||
|||||||6|||f|
|Provision at start of period
Unwinding
ofthe discount factor
Deficit contribution
paid
Remeasurements
- impact of any|(interest expense)
change
in assumptions|||||12,490
281
(2,590)
360|||15,151
192
(2„514)
(339)|
|Remeasurements
- amendments|to the contribution|schedule||||||||
|Provision at end of period||||||10,541|||12.490|
|Income and expenditure
impact||||||||||
||||||31.3.2021
I|||31.3.2020
I||
|Interest expense
Remeasurements
- impact of any|change
in assumptions|||||281
360|||192
(339)|
|Remeasurements
- amendments|to the contribution|schedule||||||||
|Assumptions||||||||||
|||||31.3.2021||31.3.2020||31.3.2019||
|Rate of discount||||066%||2 53%|||1.39%|
|The discount rates shown above|are the equivalent|single discount rates which, when used to|||||discount||the
future|
|recovery
plan
contributions
due,|would
give the same||results|as using
a full|AA|corporate|bond|yield curve
to||
|discount the same recovery plan|contributions.|||||||||
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|Year|ending|31.3.2021
6|31.3.2020
5|31.3.2019
6|
|---|---|---|---|---|
|Year|1|2,668|2,590|2,514|
|Year|2|2,748|2,668|2,590|
|Year|3|2,830|2,748|2,668|
|Year|4|2g429|2,830|2,748|
|Year|5||2,429|2,830|
|Year|6|||2,429|
|Year|7||||
|Year|8||||
|Year|9||||
|Year|10||||
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