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2022-03-31-accounts

2022 2021
Unrestricted Restricted Total Total
Notes funds
I
fundsI fundsI fundsI
INCOME AND ENDOWMENTS FROM
Donations and legacies 3 2,597 2,597 2,842
Charitable
activities
General advice and information 597,671 220,173 817844 777,185
Training
and advice projects
71,201 58,980 130,181 96,600
Money advice projects 454,943 454,943 388,464
Other income 5 2,504 2,504 20,554
Total 673,973 734,096 1,408,069 1,285,645
EXPENDITURE ON
Charitable
activities
General advice and information 479,539 205,255 684,794 712,796
Training
and advice projects
66,701 45,582 112,283 99,321
Money advice projects 488,781 488,781 399,998
Total 546,240 739,618 1,285,858 1,212,115
NET INCOME/(EXPENDITURE) 127,733 (5,522) 122,211 73,530
Other recognised gains/(losses)
Actuarial
gains/(losses)
on defined
benefit
schemes 2,265 2,265 (37,925)
Net movement
in funds
129,998 (5,522) 124,476 35,605
RECONCILIATION
OF FUNDS
Total funds brought forward 315,776 40,081 355,857 320,252
TOTAL FUNDS CARRIED FORWARD 445,774 34,559 480,333 355,857
Notes 2022I 2021
I
FIXEDASSETS
Tangible assets 13 39,627 8,567
CURRENT ASSETS
Debtors 14 33,014 75,073
Cash at bank 803,531 725,431
836,545 800,504
CREDITORS
Amounts
falling due within one year
15 (302,452) (350,062)
NET CURRENT ASSETS 534,093 450,442
TOTAL ASSETSLESSCURRENT LIABIlITIES 573,720 459,009
PENSION LIABILITY 19 (93,387) (103,152)
NET ASSETS 480,333 355,857
FUNDS 18
Unrestricted
funds
445,774 315,776
Restrided
funds
34,559 40,'081
TOTAL FUNDS 480,333 355,857

2022 2021
Notes 6 6
Cash flows from operating activities
Cash generated
from operations
1 131,756 242,400
Net cash provided
by operating
activities 131,756 242,400
Cash flows from investing activities
Purchase oftangible fixed assets (53,656) (9,853)
Net cash used in investing
activities
(53,656) (9,853)
Change
in cash and cash equivalents
in
the reporting
period
78,100 232,547
Cash and cash equivalents atthe
beginning ofthe reporting period 725,431 492,884
Cash and cash equivalents atthe end of
the reporbng
pertiod
803,531 725,431

RECONCILIATION OF NET INCOME TO NET CASH FLOW FROM OF NET INCOME TO NET CASH FLOW FROM OPERATING ACTIVITIES
2022I 2021
6
Net income forthe reporting period (as per the Statement of
Financial Activities) 122,211 73,530
Adjustments
for:
Depreciation
charges
22,596 8,182
Decrease/(increase) in debtors 42,059 (6,644)
(Decrease)/increase in creditors (47,610) 173,332
Difference between pension charge and cash contributions (7,500) (6,000)
Net cash provided by operations 131,756 242,400
2. ANALYSIS OFCHANGES IN NET FUNDS
At 1/4/21
I
Cash flow
I
At' 31/3/22
Net cash
Cash at bank 725,431 78,100 803,531
725,431 78,100 803,531
Total 725,431 78,100 803,531

DONATIONS
AND LEGACIES
2022 2021I
Donations 2,597 2,842
INCOME FROM CHARITABLE ACTIVITIES
Activity 2022
6
2021I
Grants and contract income General advice and information 817PI4 777,185
Grants and contract income Training and advice projects 130,181 96&600
Grants and contract income Money advice projects 454,943 388,464
1,402,968 1,262,249
Grants received,
included
in the
above, are as follows:
2022I 2021I
London Borough of Hammersmith ik Fulham Advice Station Service Level
Agreement 539,000 524,003
Toynbee
Hall - The DFL Project
171,209 198,391
Nabonal
Citizens Advice - Help to Claim
76,223 79,932
Citizens Advice - HelpThrough
Hardships
Helpline Grants 183,357 62,940
London Borough of Hammersmith tk Fulham - Digital Inclusion 38,201 59,600
The National
Lottery Community
Fund Grant 23,085
National
Citizens Advice - West London
Best Practice 20,334 39,648
Clic Sargent telephone
project
33,000 37,000
City Bridge Trust Grant 49,000 36,626
The Henry Smith Grant 36,600 35,800
London Borough of Hammersmith ik Fulham - Aflbrdabiiity Project 26,250 35,000
TNLCF Covid-19 Response
Fund
Grant 5,290 30,376
London Borough of Hammersmith BiFulham - EU Citizens Settlement Scheme 22,500
Smart Energy Grant 18,729
W12Together 15,611 18,467
National
Citizens Advice - Energy
Advice Programme 16,087 12,960
Hammersmith
Uniiied ik Dr Edward
Bishop Kings
13,162 9,514
Midaye Grant 8,066 5,500
National
Citizens Advice Infrastructure
Grant
3,804
The NaBonal Lottery Capital Grant 3,374
Citizens Advice - Pan London Adviceline Development Grant 27,644 5,000
The Nadonal
Lottery Community
Fund - RC London and South East London-
Help Hub Grant 81,045
Department
for Work and Pensions - Kick Start Grant
15,249
Carried forward 1355328 1~262/249

Support Governance
costs costs Totals
E E E
General advice and information 48,132 3,737 51,869
Training and advice projects 5,650 362 6,012
Money advice projects 40,902 2,523 43,425
94,684 6,622 101,306
Comparatives
for support
costs
Support Govemano.
coals costs Totals
E E
General advice and information 112,329 3,743 116,072
Training and advice projects 9,495 581 10,076
Money advice projects 43,144 2,131 45,275
164,968 6,455 171,423
NET INCOME/(EXPENDITURE)
Net income/(expenditure) is stated after chanling/(crediting):
2022 2021
E
Auditors' remuneration 5,300 5,300
Other non-audit
services
950 950
Depreciation - owned assets 22,596 8,182
Operating leases 9,400 31,715

2022 2021
E E
Wages and salaries 1,041,925 923,735
Social security costs 87,754 79,129
Other pension costs 28,583 26,928
1,158,262 1,029,792

The average
monthly
n
um be r of e mployee s
during th
e ye ar was as follo ws:
2022 2021
Advisors and assessors 38 37
Management
and administration
7 7
45 44
The number ofemployees whose employee
benefits
(excluding employer pension costs) exceeded 660,000was:
2022 2021
660,001 - 170,000 1
The key management team is considered to be the senior management team. Remuneration of 6250,390
(2021
6294,947) was paid to Key Management Personnel. This Includes pension
scheme contriibutions
of110,123 (2021
111,743).
Volunteers
We recruited
52 volunteers
42% ofwhom were from Hammersmith and Fulham. 13volunteers leit, ofwhich
85%
went
into full time work
(29% of whom got work with CAHF) and 15%of volunteer leavers went into full
time
study.
COMPARATIVES FORTHE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted Restricted Total
fundsI funds fundsI
INCOME AND ENDOWMENTS FROM
Donations
and legacies
2,842 2,842
Charitable
activities
General advice and information 582,303 194,882 777,185
Training
and advice projects
96,600 96,600
Money advice projects 35,000 353,464 388,464
Other income 20,554 20,554
Total 737,299 548,346 1,285,645
EXPENDITURE ON
Charitable activities
General advice and information 173,486 539,310 712,796
Training
and advice projects
99,321 99,321
Money advice projects 399,998 399,998
Total 672,805 539,310 1,212,115
NET INCOME 64,494 9,036 73,530
Other recognised gains/(losses)
Actuarial
gains/(losses)
on defined benefit
schemes (37,925) (37,925)
Net movement
in funds
26,569 9,036 35,605

COMPARATIVES FORTHE COMPARATIVES FORTHE COMPARATIVES FORTHE STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued STATEMENT OF FINANCIAL ACTIVITIES -continued
Unrestdictad Restricted Total
funds funds funds
E E E
RECONCILIATION OF FUNDS
Total funds brought forward 289,207 31,045 320,252
TOTAL FUNDS CARRIED FORWARD 315,776 40,081 355,857
TAXATION
Hammersmith
and
Fulham Citizens Advice Bureaux Service is a registered chadity and
therefore
potentiall
exempt from taxation of iis income and gains, as Hammersmith and Fulham Citizens Advice Bureaux Service
fa
within
the definition
of a charitable company as defined in Part 1, Schedule 6 of the Finance Act 2010. No
t
charge has arisen during the year.
TANGIBLE FIXED ASSETS
Short Plant and
leasehold machinery Totals
E E E
COST
At 1April 2021 2,133 137,717 139,850
Additions 53,656 53,656
At31March 2022 2,133 191,373 193,506
DEPRECIATION
At 1April 2021 2,133 129,150 131,283
Charge for year 22,596 22,596
At 31March 2022 2,133 151,746 153,879
NET BOOKVALUE
At 31 March 2022 39,627 39,627
At 31 March 2021 8,567 8,567
DEBTORS:AMOUNTS FALLING DUE WITHIN ONE YEAR
2022 2021
E E
Contract income ieceivable 27,891 50,976
Other debtors and prepaymenis 5,123 24,097
33,014 75,073

2022
f
2021
f
Operational
creditors
37,278 26,467
Social security and other taxes 23,379 23,241
Other credilois and accruals 66,334 109,976
Defened income 175,461 190,378
302,452 350,062
Deferred Income
Balance at 1April 2021 190,378 51,549
Amounts released to incoming resources (100,864) (29,497)
Amount deferred in the year 85,647 168/26
Balance at 31March 2022 175,461 190378

2022 2021
f f
Within one year 9,400 9,400
Between one and five years 37,600 37,600
In more than five years 9,400 19,200
56,400 66,200
ANALYSIS OF NET ASSETS BETWEEN FUNDS
2022 2021
Unrestriicled Restricted Total Total
funds
f
funds
f
funds
f
funds
f
Fixed assets 39,627 39,627 8,567
Oirrent assets 790,500 46,045 836,545 800,504
Current liabilities (290,966) (11,486) (302,452) (350,062)
Pension liability (93,387) (93,387) (103,152)
445,774 34,559 480,333 355,857
Unresb icled Resbiaed 2021
funds funds
f
Totalfunds
f
Rxed assets 8,567 8,567
Current assets 631,486 169,018 800,504
Current liabilities (221,125) (128,937) (350,062)
Pension liability (103,152) (103,152)
315,776 40,081 355,857

18. MOVEMENT IN FUNDS MOVEMENT IN FUNDS
Net Transfers
movement between At
At 1/4/21
6
in funds
6
funds
6
31/3/22
I
Unrestricted
funds
Generalfund 412,032 127,733 (41,251) 498,514
General fund - Capital 6,896 41,251 48,147
Pension reserve (103,152) 2,265 (100,887)
315,776 129,998 445,774
Restricted funds
Debt Free London P,072) 6,640 (432)
Foodbank - Hammersmith and Fulham (13,238) 13,916 678
Gtizens Advice - EBDExtra Advice 15,398 15,398
Citizens Advice - Big Energy Savings Week 4,000 (4,000)
Citizens Advice - Consumer Empowerment
partnership 7,441 (7,441)
Citizens Advice - Energy Advice Programme 363 2,602 2,965
Citizens Advice - Help to Claim (1,114) 1,114
Citizens Advice - Universal Credit 3,052 3,052
City Bdidge Trust Fund 125 1,987 2,112
The National
Lottery Community
Fund-
Coronavirus
Community
Support Fund 23,038 (23,038)
W12Together and Midaye Fund 5,477 (1,384) 4,093
Citizens Advice - Pan London Adviceline
Development
Fund
704 (704)
Smart Energy Fund 2,581 (2,581)
Gty Bridge Trust TNLCF COVID-19
Response
Fund
2,378 (825) 1,553
The National
Lottery Community
Fund - RC
London and South East Region - Help Hub 2,044 2,044
Kickstart (2,689) (2,689)
West London Welcome 5,785 5,785
40r081 (5,522) 34,559
TOTAL FUNDS 355,857 124,476 480333

Net movement
in funds,
i ncluded in the above are as follows:
Incoming Resources Gains and Movement
resources expended
I
losses
6
in funds
I
Unrestrfcted
funds
General fund 673,973 (546,240) 127,733
Pension reserve 2,265 2,265
673,973 (546,240) 2,265 129,998
Restricted funds
Debt Free London 171,209 (164,569) 6,640
Foodbank-
Hammersmith
and Fulham 232,743 (218,827) 13,916
Citizens Advice - Big Energy Savings Week (4,000) (4,000)
Citizens Advice - Consumer Empowerment
Partnership (7,441) (7,441)
Gtizens Advice - Energy Advice Programme 16,087 (13,485) 2,602
Citizens Advice - Help to Claim 1,114 1,114
Citizens Advice - Universal Credit 96,557 (93,505) 3,052
City Bridge Trust Fund 49,000 (47,013) 1,987
The National
Lottery Community
Fund-
Coronavlrus
Community
Support Fund (23,038) (23,038)
W12Together and Midaye Fund 23,677 (25,061) (1,384)
Ctizens Advice - Pan London Adviceline
Development
Fund
27,644 (28,348) (704)
Smart Energy Fund (2,581) (2,581)
City Bridge Trust TNLCF COVID-19
Response
Fund
5,290 (6,115) (825)
Citizens Advice - BEIS 5,180 (5,180)
The National
Lottery Community
Fund - RC
London and South East Region - Help Hub 81,045 P9,001) 2,044
Kickslart 15,249 (17,938) (2,689)
West London Welcome 10,415 (4,630) 5,785
734,096 (739,618) (5,522)
TOTAL FUNDS 1,408,069 (1,285,858) 2,265 124,476

Comparatives
for mov
e ment in funds
Net
movement At
At' 1/4/20 in funds
I
31/3/21
Unrestricted
funds
General fund 353,538 58,494 412,032
General fund - Capital 6,896 6,896
Pension reserve (71,227) (31,925) (103,152)
289,207 26,569 315,776
Restricted funds
Debt Free London 996 (8,068) (7,072)
Foodbank - Hammersmith and Fulham 2,258 (15,496) (13,238)
Citizens Advice - EBD Extra Advice 15,398 15,398
Citizens Advice - Big Energy Savings Week 4,000 4,000
Citizens Advice - Consumer Empowerment
Partnership 7,441 7,441
Citizens Advice - Energy Advice Programme 259 104 363
Citizens Advice - Help to Claim 693 (1,807) (1,114)
City Bridge Trust Fund 125 125
The National
Lottery Community
Fund-
Coronavirus
Community
Support Fund 23,038 23,038
W12Together and Midaye Fund 5,477 5,477
Gtizens Advice - Pan London Adviceline
Development
Fund
704 704
Smart Energy Fund 2,581 2,581
City Bridge Trust TNLCF COVID-19
Response
Fund
2,378 2,378
31,045 9,036 40,081
TOTAL FUNDS 320,252 35,605 355,857

31.3.2022 31.3.2021
Discount rate 2.8046 2.1046
Inflation (RPI) 3.70'/a 3.30'/a
Inflation (CPU 3 25a/a 2.80'Ya
Revaluation
ofdefemed
pensions in excess of GMP 3.25a/a 2.80'Ya
Pension in payment increases of:
-CPI or 5'/a p.a. iy less 3.259a 2.80a%%d
-CPI inflation since retirement or 5'/a p.a. mmpound if less 3.2546 2.80'Ya
- CPI or 3'/a p.a. if less 2.709a 2.50a/a
75/a Of HMRC 754'a Of HMRC
Commutation
ofpension
for cash at retirement maximum maximum
31.3.2022 31.3.2021
Assumed
life expectancies
on retirement atage 65are:
Retiring today - Males 21.3 21.2
Retiring today - Females 24.2 24.1
Retiring in 20years time - Males 22.6 22.6
Retiring in 20years time - Females 25.7 25.7
Value at Value at
31.3.2022 31.3.2021
FOOOs EOOOs
The assets in the Plan were:
Multi asset funds 68,955 72,995
Structured
Equity
27,488 24,849
Cash 5,771 1,509
102,214 99,353
The actual return on assets over the period was: 5,301 14,282
19. EMPLOYEE BENEFITOBIIGATIONS - continued EMPLOYEE BENEFITOBIIGATIONS - continued EMPLOYEE BENEFITOBIIGATIONS - continued EMPLOYEE BENEFITOBIIGATIONS - continued EMPLOYEE BENEFITOBIIGATIONS - continued
Present value offunded
obligations
148,768 161,415
Fair value of Plan assets 102,214 99,353
Surplus/(deficit)
in funded
scheme (46,554) (62,062)
Present value ofunfunded
obligations
Unremgnised
actuadial gains/(losses)
Adjustment
in respect ofasset
ceiling and minimum funding
requirement
46,554 62,062
Reconciliation
of opening
and closing balances of the present value
of
the defined benefit
obligation 31.3.2022 31.3.2021
6000s EOOOs
Benefit obligation at beginning ofyear 161,415 140,310
Current service mst 771 652
IliteI'est cost 3,346 3I322
Contributions
by Plan participants
Actuarial
(gains)/losses
(11,745) 21,568
Benefits paid and expenses (5,019) (4,437)
Past selvlce cost
Settlements
Business combinations
Exchange rate
Benefit obligation at end ofyear 148,768 161,415
Reconciliation ofopening and closing balances ofthe fair value of Plan assets
31.3.2022 31.3.2021
KOOOS 6000s
Fair value ofPlan assets at beginning ofyear 99,353 85,959
Interest inmme on Plan assets 2,061 2,052
Return on assets, exduding inteiest income 3,240 12,230
Contributions
by employers
2,579 3,549
Contributions
by Plan participants
Benefits paid and expenses
(5,019) (4,437)
Business combinations
Settlements
Fxchange rate
Fair value ofPlan assets at end ofyear 102,214 99,353
The amounts recognised in profit or loss: 31.3.2022 31.3.2021
KOOOs KOOOs
Service mst - including
current
tt past service mats, Sr settlements
Service mst - administrative mst 771 652
Net interest on the net defined benefit liability 1,285 1,270
Tolal expense 2,0S6 1,922

EMPLOYEE BEN EFIT OBLIGATIONS - continu ed
Remeasurements ofthe net defined benefit liability (asset) tn be shown in OCI:
31.3.2022 31.3.2021
F000s $000s
Actuarial
(gains)/losses
on the liabilities
(11,745) 21,568
Return on assets, exduding
interest income
(3,240) (12,230)
Changes
in the elfect ofthe asset ceiling excluding
interest income
Total mmeasure ofthe net defined liability (asset) to be (14,985) 9,338
shown
in OCI