Cambrldge
& District
citlzens
advice
CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
ANNUAL REPORT & ACCOUNTS 2021
Dty¢nshtrE R￿, Carntl￿￿eCB1 IBL
5tered CompartyNurnbQroatsi￿￿rlkn￿&w1
siered Ch3fityNc'. 1056102
AUthortsed8￿ re8ulartd tytheFh)èrthictr￿￿tIA￿tyFpl•6l?SJ7

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Chairman's Statement
The 2020-21 financial ya¥ has. unsurPr￿1ngty, been dO￿￿n01ed tyt1￿ effttts clCOV(D. p￿$￿Te
acCe￿Ie5 evoluttr)n, and underthe unprecedented pressures of the pandemic, our Bureau has been
challenged lo adapt extremety rapKIty- affec￿rg hN elients can contact us, how we ¢an provide services
to Ihern, how we work wrth our cc41eagues. And l am irnmensety proud of hcpN our staff and vobjnteers
have risen lo these chalengey.
For our clients. we n¢M offer lelethne ¢on8uk4ions. email. webBhat and video. Clients without intemet or
PhOr￿ credit are accommf>Jated too. vra sending us det•b in writing SO thai our alfvisors Can call
thèm back. These option5 are althling US to assist far more cl￿ntS than bgfore- 81 limes we have
experiencad over 50% increase on the prKJr year- and evèn to reach clients who would have struggled to
visit our office for an aFpointrn•nl prror to the pand8m¢. We were worried that we mFJht be excluding some
vulnerable people by being'vrtuaf- f8T from C th8 feedb¥k both localty and nat￿￿TravY indicates that lot8
of these people felt t£ttèr able to our seThkes than they did beforè when our emphasis was to
PriOTitise drop in at the main building. Thi8 doe5 ncl mean that we will nol rèturn to face to face In the future
and indeed we are lestirvJ this out.
It18, neverthéle￿. sad to note that the pandWn￿ Iws F4Jt ￿ fflany peDpl8 in o positi￿ where they nead•d
our assistance. At limes I￿6 these. Ihe crilical jryortaT￿? of ourwork is plain to 8ee.
Th18 level cl adaptation has ncl e¢me ea8ity. The truste￿ and l very gr8teful to tho lirde98 8nd
creat￿e work car￿d oul by the staff and w)lunteers io make bt all possibbe. The work has included movhg
our techn￿￿ Infrastructure into tho Cljud go that odwr5 can seujrety fmm their home$, Irwenting
way8 to distribute tasks and monrtor ￿P)nSe qualty wihout the 18ce-to-fa¢e Mntact that we could
prevKJu$ly taktr for granted, Investing in encrypted bptops io better protect our clients, data, mu¢h
more be5ide5. We would like lo a¢knrAkdg8 especial￿ the wcrfk of our IT officer. Tessa Crook and her
small learn in leadlng the t￿hnOlOgiCal Improve￿1$ and 8150 Richard CurtiF in keeping all the advisers
'¢)n track. 81 and do￿lOping ways ol still helpkng cli8nl$ ￿ very complicated issues like advising
Irernoldyl at lribunas- nothlng •lopped desm? thè ba￿1&￿.
The challeng&s have be￿ financi81 too. Prq'ects based in h05PIta￿ and clin￿8 had lo b8 put on hold
because il would have been unsafe fc* our advism lo oper8te on those premises. Our r8nlal income from
office Space has dropped by arourml 67% ￿U$9 tenanis couky not safely use the bullding, and we face
an ongoing chdlenge over the ngxl year to build up Ihal again.
We are 6xtrernely grateful for the SUFPtM we have rec8ived from the Gtty Council. South Cambridge DC.
National L¢)ttery and grants via CitYzen$ Adwce to h* deliver nalp)nal contracts behalf of the DWP.
Tru$sell trust amongst Qlhers. were 81so very grateful fix k¢al support such 88 Anglia Ruskin
Unwersity and the Cambrid9e3hire CorrwrNJnily Fund, to name a few, who ha￿ been able to help us
through such a dlffi¢uh financial year. The contract with the Trussell Trust has •nabl?d lo reGruJt 3 rnor?
advisor8, so Ihal w¢ can better tlleet Ihe needs of Pecy￿ needing one off help. One particulady noteworihy
project was 8 crryrtdsoutced appeal, vLq Aviva. organised soldy through the I)it￿lI1¥e ol our staff, which
raised over £10,000 for the Bureau wa a beautifully m*le VKleo and some effecaN8 sodal medla *ivity.
ile the r08d out of Ihe Pandem￿ measum i8 still uncertain at the l•rn of writsng, the trustees and
managenol staff ￿11 &nsure that the Burèau compl*s *rylh the ewknng govemmenl guidance, so that our
staff, voluntsers and clients can be ¢onfHknl of th￿1 safety. In the fu11r￿sS of timo. we particularly Itscjk
f0Th4ard to being able lo make full vse of our buikfing aga￿, auowtng us to augment Ihe remotè options we
have offered in the L951 year. $0 that we can p￿￿de a fuuy apPro￿habkn 8$ well as accfrssible Service lo
the citvzens of Cambridw 5ts DistricL
Dr N W Brcwn OBE- ChaimHn

CAMBRIDGE & DISTRICTcrrizENS ADVICE BUREAU
Trustees, Report
The trustees, who arèalso directors of thè d)arity forthe pU￿0$¢S dthè CornpaniesAct 20C6, present thelr
report with the fnancial statements of the charity for the year ended 31 March 2021. The Iru51ees have
adopted the provisions of Accounting a￿1 Reportiw ty Charities.. Statemenl of Recommended Practice
applicable lo ¢harQies preparing Iheir a¢¢ounts in attor<lwce h￿th the Financial Reporting Stsndgrd
applicable in th8 UK ￿ R8pubJi¢ of Irn￿nd (FRS 102) (effective 1 J8nuary2015>.
The report ofltr* Tnthe8 iTh>xporates 8 Directors. Report as requred by Carwby L￿¥.
AIMS AND OBJECTIVE8
The princwl activities bureau af• to provhje free, ¢onhdenlknl and Independonl advlce.
The princpgl olms ofthe organt8alh)n are t￿..
1. To Provldethe advlce people need flxthe problem8 they facè
2. To improw tha policies and prKlices that affect peoples, INe&
The Tnaln objec1￿tt * 8Ctiwtie8 forthè yearcontnued tofc¢us or the Pr￿510￿ ofadvlce and guldanceto
Ihg locd population. The strategies in place to assist th• Charity lo meet Ihese c4"e¢tives included the
folowlThJ.'
prcfiAding acceBS to t1￿ ¢harty'$ resou￿* through a vwkty of mech8ntsm8, including Iduring the
pandemi¢l, telephone. email respon88 and 01her￿rt￿al r880urces indud5ng a webslte, webchal and
vid80 (Face lo face adwce has been on hDldl.
workkn9 in partnership vAth other ￿enc￿ to ￿SUre thgt ￿ w*Je$l range of Seph￿818 •vallable
that b8s1 mal¢hes the need5 of Ihe cl￿.
achigvin9 finartial stability through the generation of ow ¢ywn kKome •.g. renung ¥pa¢e at 86
De¥ornhlre Ro4d
The ofthe work ofth• bureau L8 ger*rali&t The ofthe work Is usualty carried
out by volunteers bul during Ihra unusua p8rKxI the paia staff have helped (Mjt in light of the unprecedented
sp*& h dernand- sometines 50% rTrJre tfv￿ equlvdent timas tha y8ar befora. The generali81 work conssl
ol'one off adV￿e in the 14 key are85 of bgnefit$. wn$umer issu￿, debt, edu¢ation, enyloymonl, fhance,
Ilh, hw¥lng, 1ffim￿ral1On 8rd nat￿jnaIty, *al. rela11￿Sh￿5, lax. travd and utilrt
Additional Services include casework up to reFrfesenlaiKffl at court or tribunal in debt. welfare rights, and
housing phjs financid capabllty educatlon work 8rd despite the lockdown rmjr Sp￿1￿11$15 have found ways
of making sure that we have conb'nued to deliver thi8 level N ccthpkx adw¢e- often needlng lo $pond a
great deal n￿re tlma kyeparing and supporting clierts through the trauma of 3•way phone tribunals fc
example. A lot of our d8bt worfK 8knweil becatse of the hok4 on v•rv)u$ ￿t￿)n5 like evietions but we
8re re&lying ourselves for an onslwm onco all thèse"Lthkxk'_ th8 Monay and Advise Pensions Service
edicts therè be a need frjr 8mlfjon debt alh1￿8 appoinlments by th• aLrturM of 2021.
ACHIEVEMENT AND PERFORMANCE
Charitable actlvJtlo5
Our advEsers l099gd 28,288 dEnts118.261 the year bthrè) and enquiries 52.420146.440 in 20201 and
29.137 contacts {25.036 in 20201.
Forthe first time benefft ènquiri&s way oul4lripped thbt •J¥v￿- aTtyJnd question8 abcAJt claiming

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Trustses, Report (continued)
Unfversal Credit and people asknng at￿ul the beneffts syslwn in gen8rd. who have never had to even
c¥Jnsider Ihls 8UPPCXt and have rK) kn￿￿ledge to woth Iheirway rryjnd it
During th8 period golned incomefor ¢lienlswa5 £6.825.570. The nwnber of debls and overpayments
deatt with had a valu8 of £2.328.824. We he*ed lo prevent 1Crf)3 I￿1vIdual5 and families from bèing made
homekn1677 in 2017).
Durlng the winlèrwe h8Jped theC(yJnty Council Viathecam￿idge localA$ststsnce Scheme {CLASI proc8$S
an unprecedented number ofv¢Juch8rs to help cope wlh the need for food, while goods, and other
essentials. We continuè lo be a key partner in delfvering this vital servt¢e to ndividuals and familiès. We also
sel up a cli8nt account $0 that we are knle at ￿￿eSS oiher gra)t8 servres for cl￿nIs. We continue to work
cbsely wrth Cambridg6AKI ard thank them fijrdl the h* t￿ pThidèr kn ourclients in need of urgent help.
One key aim Ih8t we have h8d on our 8genda for many year5 is to engage a younger group of cliants.
The pandemic c4Jdly has helped to ￿h￿ve that. Our age profik ha8 significantly dropped bul that maybe
that they prefer'virtwl. advice 8ervi¢e8 and are mofe Cunf0rtd￿e with them OT more likèly- accordlng to
dllzens Adv￿ nalion81 research- ￿ngttr age gfoups havo beer) d18propcr￿Qn&Ity affqcted by the
pandem
IT. AB menli¢ned in the Chaifman's ￿trod￿tIon have made ma58ive strides In upgradlng our IT and
Systems. WlthfArt the ne8d lo lo afm05t lo￿ home working li is doubtlul Ihat we would ha
progre88ed as quT¢k￿ as we have and indeed al the b89inning. there was some resista￿- many
thinking that the pandemt would be a 5hort-Ived thing. c￿pa￿d with some othw 8imi18r services we
hav8 not Orn￿ takèn on new of*rrkiro but In the prctess improved ouroffer to the publlc and helped
great many more by our in￿8$d"V1rtu8r dr•r.
Quallty
Durlng the yearwe maintained tmpro¥ed our Qualty of Adv￿ scora. We conunue lo work lo the Admce
Qualty Standard mark and the Flnancial Conducl Auihonty. We r￿ined our ststus as a Travel for Work
eTryloyer, and Wa98 Ftxndalw aCc￿drtatfv￿n. All our mon¢y advisers are membeTS of Ihe Institute
of Mon8yAdvi8ers. are qualiffed Debt Relief Ord•r lTrleMedkgri￿ and all ouradvisr)rn are fully tr￿ned lo the
appropriate levels ol GGDA (Gr￿n9 Good Debt ￿•Ca) as rnquired by the Money Advice SeMc• Qual
Framewlyk.
We p888ed our CKtten8Athce&year¥udttMthfvl marts Ni all 9 ¢ategor*s.' govemance., strategie busine88
planning., ri8k rnanagem￿t.. FwwnclAI rnanageTrthL P¢ople managem•nt'. Operational pgrfoman
managemert Partn•rship wthing.. rewrch and C￿paignI EqU￿ty and dNers*y.
Intgrnal and External Fa¢t¢
The Board has identified ￿tOrS affectiro the charity whth arn oulside of it5 control 8Lth ag the
panderrric and issued varms polici8$ to e%eryone a$ lo how the organisalK)n ts responding and changing lo
adapt. based on Government guiddl￿$. ¢hanges to the welfare rvJhts system and changes in funding
SI￿arn9
Fa¢lor8 v¢ithin control have been.. eft&#tve cost manag8rr*rt high le￿IS of sati5factKsn w6th the sgrvlce
provTded,' good partnership *rJrking and in¢on* g￿￿aticffi despite the extemal factors having a very
negative inpact on I￿$me frcrfn rant and PaIrc￿S fUThJr￿￿rWJ. We have t&ken all opportunities lo access one
off "Cowd" fund$ both thafy 8rKI nati(>nally.

CAMBRIDGE & DISTRICT cmzENS ADVICE BUREAU
Trustees, Report (continued)
Complaints
The CCAB complies wth the formd c￿laints prr¢edure as s8t out by the Citizens Advice membèrshlp
standards. We can report that there were frmjr fcm81 complaints brought against the bureau during the
pariod. One upheld.
FUTURE PLANS
The bureau aims to witinue rr*eting Ihe folltywng oi¥edNes:
11 Continuing lo deliver an enhanced serv￿￿ offervla ¢hann•ls that we have'tumed on. during
the pandern￿.,
2) Relum to oulr8&h delNery and 9raduaty ow) face to face offer.
31 Develop and deploy our Client IT hu
41 Partnef5hip develop￿t.
5) Renew our wtbsiio and better I￿la1 m&Jra presence.

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Trustees, Report . Financlal Review
The Iwstees. whoare also directors of the th¥rity forthe pUrF￿SeS ofthe CompaniesAcl 2006, present Ihelr report
with the finandal slalements of the ehariy fLY V* y ermled 31 March 2021. The trv5t8es hav& adopted th&
provisions ofA¢xountin9 and R8POrtiry by Chan]les'. Slatem6nl of Rec(th)m8nded Pra¢tice ap￿1¢able to ch8rities
prèpamg Ihelr accom15 in accor(18rr* with tre Reporfing SlaTrJard appr￿ble u) the UK 8nd Reputrlic
of Ireland IFRS 1021 {effe¢live 1 janu￿ 2019).
Rèser￿ Polity
Tho trustees bef￿ that th¢ Ixjreau shoukj sthxent tlr4n(y81 rns¢N63 to allow for Ihe following..
TD ensure that the charty ￿ CDntinue to operate and moet the n•èds of its clients in Iho overrt ol
unforeseen WentL81ty damaging clNMsta￿•5, widUd￿9 a *8e in fvndlng.
To enwjrè that the chanty can its contraL1ud comThtments.
To pemill Ihe charty lo undertake pmiectslhal requw knilid fun(&no from the tharlty b&foro fund8 wlll be
providèd frrAn ext0[n￿ t#)thes.
Th• lrnJ8teo8 rewew the kn&1 ofrnce8sary ro58NO8 ￿ al1oa8t an ￿nual basts.
Unrtrstrfcted rg)MsI 89 folhThs.'
ral F nd- To malnlaln a heattty ¢a$hlkw fortho day-to4ay operalon$ oflhe burèau. It is desirable
thai Ims shwld be suffi¢i¢nt to C4Mr 8round 8 monlh5 of unreslrlcted oxpendlturtr In.a 8Ctnario
vtherè exlernal fvr*llng has Lrypséd. Fund balarte Is £130,698 induding £124,383 Hquld assalj 12020:
£80,8371￿. £76,290 I￿￿bY assets). Tl* taw for Ifqlxd assets of £18S,OCrt):
¥on
Le Rao Q. The n81 volue ofth• ￿￿e51M0rrt wt oftho propèty pur¢hg8ed by thg ￿reau. The
25 yew loan forlhtr purchasé of Ihr8 propety shwhl ￿ melby Ihè $*• olthls 855et. As the fvnd cortsl$l8
s¢W of the value of lh& tmjihling. it 1$ nol c￿s￿lered lo be a asw. Fund b8lan¢e £570.00012020'.
£570.0001'.
Tl4$ hold3 the K¢uM￿at9d gaSn on Iho Invesbi)ent propcrftion of tha property
above. N•wty created tlis year from a reall0￿10fi ol wjch fund8 weY¢ousty hehj kn the 88 Devonshlre
Rood fvnd. Fun¢J bgknce £197,000 (2020.. £197,CO)I',
evel
Re6ety8- Thi5 fund wa6 uaatad lo pro￿de e4sl)Ilthv lor d8vebpmont opportunitl•s where
funding might bo delayed or ba¢k ty fundern until cornty8tion of a prw. Fund balance £80,WO
12020.. £80,LK)OI',
Mai
en
-ThL81￿d N de*naled forthe onoJlr¥J malnt¢narKe and renewd of the bureau's
property at 68 D8vonshke Ro*J and rts ￿tents. IrKludiTrJ ￿aTht and lcu-￿19ted •quipm?nl. Fund
balaw £20.00012020.' £20.CrfJOI.
In a￿d￿on to Ihe ftjnds desuibed abov¢, Ihe burEau aims to a 5urplu$ lffi property) of£50,0[￿ each ye8r
lor cak¥t81 repayrnenl of the mortgage. Tlis was not aCh￿d tINs year due to loss of rentsl iiKome during Ihe
Cowd-19 lockthjwn resbictson3.
The totalluThYs held by the charity at the year-ond were £1.1Tr4.5401£1.028.553 in 2020). Ofth8solvnd8 £787.OCA)
15 related to the investment part proFerty {£767.(KII kn 2020) and ￿.642 In resp8Ct of reth¢ted fimds not
available for general use1£78.716 in 2020).

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
TNstees' Report- Financial Review {eontinued)
Regtrfcted ReseThes
Any funds that arè reSt￿ted by the d(￿r orfLnder camoi te us&J kn the general pu￿OSeS of the bureau. Thdr
8x15tenc8, aTHI th8 surns ol mDnay th8rdn. do rwt lftwythat Lhwe has been an underspend but rnay r?5ultfrom a
variety of cArcurnstance$ indLKlirg tinwig ￿fferen￿$ between the I￿rea£s fin8nraal year and the funding year of
the project concerned.
We currently hokl restrthd fLxed assats aro beiig depreciated wmually. We expect 811 non ￿e￿a$s•1
Te8lrictsd luThJs to be expendeLI by ts end ofllE year. Tow ￿.842{2020.. 78.716).
Prlnclpal Fundlng SOU￿•%
Tho charity primarity $eeks funds in the lorm of grants frtrfn ￿¢#[ gtsvemment organisatlons. phllanlhropic
Institutkjns and othèr Cor￿¢31• th￿lIab￿ inltafjb*s. Thè prinupal soufc8s of otr CO￿ fundlng wer8 Cambridge
Chy Cc*Jncil 3PA137% In 20201 and wned kncome 3% In 2020). Gr8nt ftmdhg from tha BIG Lottary rnade
up a further Vh111% In 20201.
In athyilon lo these•ctiviO¢s.fundrok4ing ￿(￿ried out tyth8thwiVs palrcn8, volunteers and staff Ihrough ￿entS
such a8 parUe8, raffles and sp¢)r)sored w￿kS. in oddtk*n to piq¢¢m¢nl of donat￿￿ liftk$ on our web￿19. Cllènts
are rotdlrectty apwoached ford(ma￿(￿S, th0￿ colleclic*J boxe8 are rnade available in inteNiew roc￿8. General
donallons and fundraknong canwalgns raised 3% of I￿nalb)n In 2020).
d)orily d¢e8 not make use ol profes￿onal fUndra￿er5 or comrnerdal pathpaiors to rals• funds. Oth•r than
bld-￿11￿ servlces lo asslst In the w¢p¥ath'on of grant applications, [￿4083 the ch8rKy have fiJndrahlng carried
out on Its bèhalf by thkd part￿$ other than bas￿ paym•nl e4)ndLlll servie•8 w0￿ded by CAF Donale.
The Cha￿19 avAre of Its c￿198￿(￿$ wdgf (Pr￿eCtIon and so&￿ Inveslment) Blll to en8ure Ihal
any fvlure wrftten agreements mandatg adequalo fund￿917g staftdara8. 8$ requlffjd under the Blll. wtth
approwiate 88legvardlrwJ for ¥uknerablg membars of Ihe Publ￿ from ntru5ive or persislent approache8. Wtr •r•
not re￿$ter6d with a fundra￿ng rewlator and we ha¥e M c4)mmercial palkapalKJn agr8em8ntS.
In the year ended 31 March 2021 rKJ fimdrariiry c4xnF4aknts w•r• rec•hrnl (2020.. nlLI.
Inve•tm•nt Pollcy and Obl•ctlTM•
The tharity has no lon*lerrn fuTrJs io inbwl. bul enswes that arty funds a￿ ehher invested In Interest-
b8aringdepo811 aeeount$ cff used lomake early repayments(ffl our mortga98. thereby reducry associated inleresl
tharged.
Dètailèd 18rgots for r¢ntal irxxme sel and asyeed ty Ihe Intstees In advarKe ofthe yearand fos￿[13
monhored on a quarterfy basL8.
The structure, g(￿n￿¢0 and Man￿•m*￿ *>J lh• rèkno •ThJ ¥¢mintstr•tk)n p•308 ofthè Tru8ts•$' Rèport
are continued on pw 31- 34.

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Trustees, Rewt- Statement of Trustees. Responsibllltles
The T￿￿tee8 (who are akn (firectys of carn￿ldge & Dlstiict abzens Ad￿ Burèau for the purposes of
company Lawl arè responsib￿ for preparing the Trustees. report aThJ the finan¢lal statements in
accorda￿ vthh ap￿leable law and Unied Accounlys Standards IUn#ed Kingdom Qenerally
Accepted Accounting Practrce).
Company law requYe5 the dIT￿Tr to prep8re firra￿l&l staterrnnts for Tmw￿181 year. Under thal18W
the d1￿cloT5 ha￿ èlected lo prepare the financAI statements in aecordancewith Unrted KiThJdom Generally
A¢¢epled Accounlir@ Practice (United Kingjom A￿O￿nI1￿j Stsndards and applic*le lawl. Under C￿7panY
Lgw the directors must not approve the financial staternnts un18s8 Ilw arè s*isfied that they give a Iruo
and fair vlew of slale of affair5 of the ¢trtaritabl8 ¢C￿panY and of the In0￿1ng r8source8 and application
of resources, including the in¢orne and expendilure. clthe chafitabb company for Ihat perir*J. In preparing
these fIn￿claI ststements, the directors are required lo..
select suitable a¢counting pOl￿￿S and Ihen apptylhem consi$lenlly'.
observe the methods and principles in the CharitiES SORP FR8102{20191;
makejudgM￿lS arKI accLwnling eslvn8les that afe reas￿8b￿ and prudent
Slate whether applicable UK A¢¢ounting Stand8rd8 havq been folh)wod, 8thjgct to any mater181
departures d￿105￿d and awained in the financi81 ststements.,
prepare the fin￿¢￿?1 statements on fv gouig cly￿*M ￿619 unlgss11 l¥ Inopproprfate lo presume
Ihal the charitabl8 companywiu can1￿u8 n Qperalpjn.
The Tru8t8e8 ar• respon8**￿ for koepl)9 81*qLth 8ttounting records that are 8vfficienl 10 show and
expLain the charrtable companls transactions aThY discbst wrth reasonable aecur8cy al any lime thè
lknancial posit*Jn of the charitablg company WKI enabl& Ihem to ensure that the financlal 8talemenl$ compty
with the Companies Act 2006. Thty are abo responsib￿ fGY safe9uarding the as6ets of tho charitable
company and hence for taking reasonable steps for th• preventkn and detecllon of fraud and othar
regularities. In so far as Trustees are
there 1$ no ro18vanl aLKlit wrformation tsfwh￿h the ch¥itab￿ CLJrp8ny's ouditor is unaware,. and
the Trustees hove laken 41 steps that they to have t*en lo make themselve8 awwè of any
relevant audit InfLyMati￿ •NJ to e8tabk8h that the audi¢oi is tr*M$e￿ aware of tho1 Information.
The TruBleesare responsible fortr* mgintenancearKI integrTty of tho o)rportts and financ￿1 ififomatlon
i￿lud*d on the charkl*Jle ¢orrpany's websito. LegislatM?n n the United Kingdom goveming preparètion
and dIBseminal￿Tr of financial stateThnts may drfler leg18k7tKn in Dtherjurisdictions.
AUDifoR8
In line wilti due dllkJ8rte, deod8d lo lender the ￿dit proces$ after 7 y•afS with the sam8
auditor. This process wa8 Concl￿sed In Octc4)8r 2016 and a n8w audltor- Price Ball•y- was appointed.
Tlis rÈpk¥l h98 b8en prepared In accOr¢ar￿•￿th the spqrAal wovtslons of Part is of the Corrpanle8
Act 2006 r81atWi9 to sm*1 comp8ri¢s.
Approved by truste•s AwJust 2￿21 and s*rnd ￿ ts beh*fby'.
G A Re*J- V￿? Chayrnan
s- Ho￿rary TTeasur&r

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Independent AudltoVs Report to the Members of thè Cambrldgo & Dlstrict Citizens
Advice Bureau
Opinion
have auditgd tFEfThnCdskn￿NS crfCwrtrfiJge & [Istr￿ clE￿'SA￿teDure￿j lthe'¢h*) fortheyear
endaj 31 M8rch 2021 which c£mprtse the $Aatem￿l of NdMtEs. B￿an￿ Sheel, the Statement of
Cash FIrY￿S. and noi8S to Ihe fMcBI ￿en￿. Ind￿￿@ SuThfi￿t ￿t(*Jntry rthies. Tho finan￿87 Ewiting
fr*n&%YJrk that has been aptlHJ in theirpreForatb)n s applKa4e Unled lQryJrxnArLounting Standard5,
includiro FinanoJ Rep¢rting 1Q T1￿ ttlp uKS￿Repub￿
lrnlwJdlUnit8d lQngdcrfn Ge￿ra11Y￿F*IA£￿Mti￿ Praknl.
In oUr￿￿n the fi￿nLial Statem￿..
giveatrueand farvwdtsstatecrflhoch8rW$elthas*31 M¥¢h 2021, aTrJofhs#wnkng r8sourc8s
and of resryjrcw i￿1￿*r￿j it5 ewdth. frfjthe year then endgj,.
Bas55 for opkth)n
our wdit In ￿0rdar￿e ¥Ah Intern￿ StsTrJard5 cn AU￿ (UK) (U￿) and appl￿￿)16
l&Y. C*Jr reS￿sb11rtY￿ undertPThe slandardswe furlherdexrteA li IheAL*Jlc¢s re6ponsibilth88 for thè auditd
Iho fina￿10[ Stst￿nents sec*'on of our rep￿1 Vk We ndeFendent d the charity in a(Lord￿￿ wilh the ethical
quirer￿N3thatargTet0YaDtlo0UraUdrt￿thefinanOd stalwMts incl￿¥￿1h8 FRC'S Ethul Standard.
d we ha￿ fu￿ll￿d fAher ethical respJ)st¥'lrtw in with thase wwernènts. We belkwe that
8videncewe h￿eobtaw￿d is ¥jff￿￿rtand tr)pThx* a ba￿ forC￿r cp￿DA.
Concluslons rela￿ng to ggEng Mnc•rn
In audth.ng the fin￿CId st*Th*rts. we hv4e(x￿￿1￿ ttmt Ihe t(￿, w of the (>Jncem of
c4nthtians that. indmdualy or colW. may &isl sywfKant d￿bt on the chwiws abihty to wrtinue as a gc*g
concom fci a period ofal leastts¥elve monlhs fm) wh*) the sl*wrtnts are aulhrxo•J lor issu&.
Ourre8Fwélt4ib'esarvJthe res￿￿b)lit*sdthetrLBtee3wih rw*dto&¥ryJt>)rKem are deMt•d hlh8rel￿I
(Xhar Irrfomi8ti
The other infcrfrnakn cixrpkn lh8 i￿￿KIed n the trwtee5' amual repDr( other than the fjnanclal
sLiterrEnts and our reportther6)n. Tre tn￿teeS are rEs￿l￿e frrfthe ¢Xher lnfcrt1￿ conlanedwlhln
ann￿1 reprt Our cplnlcft cffl tr¢ *atem&ts cwthe Cl￿ infQTrnat￿ and. except to
ex18nt oth8wso 8xpl￿1VY ststed in ourrepoi( b%*¢Jo Th*express wryfwm ofa$sUrar￿ ccfflth5ion thereon.
OUr￿spons￿lfy1SI0Ieadthèot￿ffftI￿rn*￿XarWJ, in (k*TYJso. congderv+tethertheotherinformalion ismaterial
IrK¢nsi8tenlwrth thefinanck81 knerts or our kThJblethJeobt8wied in ￿￿￿){￿$È￿theWa￿ orotherwse appears
io be materialty mi55tatsJ. Wwe Ij￿￿rfY m&efwJ ￿p9rent m*ro1 mBstat8ments. we are
requir•J to d8lernine whelher tho gives w toa ms5t4￿rt in Ihe 5taterTEnts Ihem5elve& If,
bas&J on thewoth we have vrd ¢orK*th Ihatljwg isa mai8rial mB8laieMtdllis other informat￿￿
we ar? rwuir￿l to rep¢xtthat lact.
tyjthing to report in th's ryd.
Opkniong¢n oth•rmattern prexribed ￿ theCw)ani¢s Act2
In ￿r¢Pin￿)n, b85&a cn Ihe vK¥k ￿tertth ￿theC￿Tre clthe
the MIC￿at￿n gNen in the Irustee5' repjt kn the fty T•th¥th Staten￿rtS are

CAMBRIDGE & DISTRICT crrizENS ADVICE BUREAU
Independent Auditorfs Report lo the Members of the Cambrfdge & Dlstsict citlzens
Advice Bureau (continued)
Mattorn ¢)nwhich we were(wired to i¢wt by WK>n
In the IW oflhe kr￿ uTrJersI￿dro clth8 ¢>Jrw obts￿ed in the ofth&
We have n¢)thing lo rerxyt ￿ r* clth8fc4w 2[￿ wuyes to repyt
to you rf, ￿7 our0￿￿n..
Jequ* 8rwJ proper records n¢X be￿ Wt fu the chafft*Jle c(¥npary, or rdurns
&lequ* for(yJr aLhJrt been frE¥n bra￿he5 ncé¥tsitoJ by us. (Y
e ffft8nud StateM￿ts￿e a3reementwfth the ac¢tyJrty rèwrfs and r8tWn5." or
certain disdosuresoftNstee5' r8rtMK*th SF*J ty ncl m•Je," c
have ts)t t￿e￿da￿ Ihe nfoffnakn aTrJ *nalrns * ￿q￿re1cl Dura￿1¢ or
thetrLthes' were not entilW to rxwe the st*rwts in ￿tsYde￿With thè Sm￿1 comparies
regime tske athanwe ollhe smal rJJrP￿. 4¥enpb￿S in weparng tho tnM*•' rewt and ftun
th8 requkmert to pwrg a str*gr r8PQt
R•8ponslbllkn of tru5t•
e>planed morefuty knlhelNste8s' re5pM￿alle8 st*errf the trustee8 re¥orth&forth• Fyeparplon cl
the ￿nar￿%316ta￿n￿tssndIorbeffto twtMI wea Ifue aTrJ farvitsv. forsuch kntemal o)ntrol'asthe
truslees determine is necessary to 8nabb the preFof*iM of *ements that are freè frL¥n m8terfal
misstatenwnl, Whetherd￿ to fraL*J
In prwrirvJ Ihe fm8nck81 statth7￿￿, th81Juslee5 we rewxsi)teforassessingth¢ ¢haWBgbiltylo c4rthuè as 8
jing concem, dr8thsirvJ. 88 w11c*)￿. rnattus r8L*J lo ¢¢m￿rn ￿ usTrig the wng CLJnc•m basb of
Counts'ng un&$ the trLtheJ e*hw f4ui#* thè (*wty tx to C88Se no r8allstlc
lemalive but todo so.
Audllorf• rn5FwlbllSth8 forth• audtt otthofiTr•nclalsWwnw
Our obj￿ 8reto oblan rea9cn*Jle aysurw abythvfftthrtheftr￿Cd statements 86 awholearefreefron
ra18ri￿ misstalern&ts, whether due to fra￿1 or ernc¢. and to issue an au(Jitorts report thai Includes our cpinion.
Reasonable 855LThKe ig a hwJh W clasSur￿. but ¥ rc4 a guarante8 th81 an C￿dUltsd ii accordance
vthth IUKlwJaN¥ay5 ¢*8 rnatwwl rr1sstaeT￿rtwh￿ kexists. ￿&s18t￿nts ¢anwi58 ffcm fraudorerror
d are Cowide￿ ma8ri* rf, IndNidu* the wJgeg8te, Ily reas￿b￿ to inffu8nce thè
e¢0￿0M1¢ thi$i¢ns clusets taken on the bm(rfth￿ frtancial st*nents.
Iryewiaritia. fraLhd, are knslw¥ ￿ ￿￿1>KeY￿1h reguW0￿. We dats pr￿edureS In
line with our resF¥Jngb1lit￿. ¢yrt￿n￿ *The. to d6tttt m8terFJ ￿￿5$1a￿Dts in res[￿￿ ￿ Yrg3ukribe& indudlng
fr8ud. The spec￿¢ prthjures 6)r this exlent to whKh Itwi We ￿pable of delecting
Irregubths. inetudNJfrdud i8 dgbled betw.
We gainedan Lndergtanding ofts1¢981aTrY regLdthYfTrrnth%rJ￿ wlrAbkntoI￿ ¢Wa￿j cper*es and
considered the risk cf IhethBrity Ml cC￿p￿￿1gw￿h thewJ*abte and regukti￿ incl￿1￿￿ trdud kn p8rN>Jlar
those that coukj hasea maierial irpxt L¥)tt* s1*rn￿. This Inckjdedth￿ regubtiorts dir&tty rekted
to Ihe fjnanca81 stalwnents. In relat￿ to the tharty thk8 aMpw￿Dt law. financ5d rewting 8TrJ &
The r[Skswered￿cUsS8j￿ tsaL*JitteanwKI we r￿￿*￿a￿ttO•)Y￿d￿afn9rn￿omp]panC0Il￿ughIyrt
8udL We C*jtS￿afiC pTr￿e￿￿e$ to athlressthe r*ks These ￿lud￿d the follov*YQ'.
reMeNed sy3tWrn8 and w(KeJwes lo lllenl.fy [*)￿ areas of nwiagen￿l override risk.
pwticuLir. we carr￿d oui tesb"tYJ c+ ir￿￿al other acri￿￿ents for appropr&9￿ and
waluthg the busi*ss idw)tfy unusual
10

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Independent Audftorfs Report to the Members of thè Cambrfdge & Dlstrlct Cltizens
Advice Bureau IGontinuedl
undetying suppJrtirvJ dcCUrnen￿.
r8gulation5 4)pIKale totheorgrnatsyi.
R&3iSter reF¥%tr￿ h IPIg rw.
k)r the reF4Jbw aflnc*lonts b thgTws*e Bcwd serf￿￿ lrtKJ8nt rewting cl any 8uth matter8,
Becawè ofthe Ytherent limitzttons ofan there i8a r*k that￿*￿1 ncl det9# dl irrewl¥itw, Sncludng those
leadirrfJloa malerial mis*atem¢nl Intheffiw￿IaIsta1erm￿ ￿ 1￿{￿nplanc*Wrth r8gulatK)n. Thi$risk increases
the more that with a L8w C￿ reguL*on remo￿￿ from èva￿ and transacbJn5 relleded in the
finanLIg1 st8téments, 85 we will te less *ely to tse¢￿ 8•Are of in$w¢es cl ￿￿toMPlI8n￿. The risk is aLs0
greatw wardiw irwuknbes cwJmrrtJ to frwd rntsth8n etrcr, as fmd inths intenbon81 CO￿1￿￿nt,
A further descript￿ ol our réspon5bi ilitEs y3 on the FYBncbl Reporfng CThmefs websle at..
s'.IAwM.trc.
kJOur-
uidan
Thi4 dthpt
frn partofour8udrtorf8 repJL
Use ofour report
Th1¥ rnpjrt h made the ccfflp￿s ag a b>*, in ac0xth￿• wth Chapter 3 Df Part
16 of the Ccmpanies Act 2CQ6. Our vKrfk ha5 teen uNlertaken so that wa rnKJtrrt state to the chwilab
ccmpanls rnerntér5th088 mgtters we•e rwuwed to #ale lothem in w¢ aL￿C<S reF*Jt and for no other wrpose.
Tothé fvlle5teylent penntsl by L￿,￿d0 notacc8o￿aSsLTh8 resFon5t4ty to aryono olh¢r than the ¢h8rtsb
¢unpany Ihecharjtth￿n¥3rrth￿QTr 8sabth, trIIis orfcf thè¢JPilfffl8I%
havefom)ed.
He￿r￿ WlkTnwn Bsc FCA ￿hA ISerx>T Sl*uWAu(rty)
for and on bthaif of
PRICE eAILEY LLP
CharteredAco)unlant8
$13tutory Audttor5
Tennyson Fknuse
Bu8ine88 P•k
c￿l￿d9￿
CB4 OWZ
Dak.. 18 October 2021
11

CAMBRIDGE & DISTRICT cmzENS ADVICE BUREAU
Statement of Flnancial Activfties (Including Income and Expenditure Account)
For the Year Ended 3191 March 2021
20
rotal
ftwd
2020
Total
nd•
INCOME ANO ENDOWMENTS FR
Donations. Grants & Lega￿$
Ch*tt8ble Admtles
Othw Tradir
Investment Incon
Property Rènt & Hi
Bank Interest
O¢hor Incom&
2 61.705
3 60263
790,429
73,519
852.135 757,878
133.772 177,472
85
25,933
480
2,848
7T,972
1.276
480
Total In¢om•
1253B8 26,933
863.W4 1.01fj,167 1.014683
EXPENDITURE ON
Raising funds
Investrnent Prowrty
Other Fundraising
Charitable a¢tivrti08
Advlrl Promsic
Partner F￿dwIg
10.395
10,395
35.361
12.761
47,804
2.168
33,205
72.S%7
15.840
782.868
29,780
871,674 876.983
29,750
33,396
rot•l •xp•ndftyro
71,123
28.235
845.822
947,180 970,944
Oth•r Recowlwl GalrAI(Lo•••81
Galnsloossesl on revalu*ion of
Inveslmenl p(opety
41.000
Transfer befvRen Fund6
302
NÈT IEXPENDfTURE)nllCOME
FOR THEYEAR
BEING NET MOVEMENT IN FUNOS
49.161
18.126
67,987
4,740
RECONCILIATION OF FUNDS
Total funds b￿ght foThvard
80.837
S67,C(￿l
78,716 1.028,SS3 ￿1.8*3
TOTAL FUNDS CARWED FORWARD
130,898
867,000
96.842 1,094,040 1.026,653
AN Inry)me and expenthlure has 8ri6en frimn aclMti&s.
The rKrtes to owowts are shown 15. 30.
12

CAMBRIDGE & DISTRICT crrizENS ADWCE BUREAU
Balance Sheet As at 31 March 2021
20
Totsl
furKIs
FIXED ASSETS
Tanglbl8 fLx8d assèts
Investments
10
11
595.198
767.51XJ
615.012
767.$00
TOTAL FIXED ASSET8
1,362,698 1.382.512
CURRENT ASSETS
Debtors
Cash at and Sn harttl
12
37.692
64,763
526,566 429,814
TOTAL CURREKf ASSETS
564,257
4¥637
LIABIUTIES
Cra1*t￿5.. amounts falllng duewlthn one
13
(165,452) (163, 173)
NET CURRENT ASSETS
398,805
331,464
TOTAL NET ASSETS
1,761,603 1,713,975
CredSlor8.' a￿￿1$ duo after than 14
on• yoar
1886,Wl (887.423)
NET ASSETS
1.1)94.S40 1.026.SS2
FUNDS
Rè$lric*d Fund8
96.842
78.716
Unrestrlcted fund$
Ggner41 Funds
DMlgrwt•d Fwds
130.898
1,8JT
867,¢XM) 867,C4))
TOTAL FUNDS
IW94,540 1.02Q5S3
The note8 to the a¢￿￿nts aw sh¢Jwn M pw 15- 30.
Thèse financ￿ statements ha￿ been wèpared ￿ aDj)rdan￿ wilh spedal w￿￿5(or￿ of part 15 of
the Companies Act 2(￿ relatkng to small charitable QXffjp￿le8.
The finandal stat•m•nts ￿re aFfKoved ty the Board of TNstees on August 2021 ajd Signed on ther b?har
by..
DrGAReid-W
Chaifman
- Honorary Treasu￿r
13

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Cashflow Statement As at 31 March 2021
2020
rotal
nds
Toi•l
lunds
Cash flows from O￿a￿n9 actknlies..
Cash used in operdbo
Interest paid
121.342
P5.542)
79,507
(28. 145)
Nèt c•Bh provfd•d byllused In) operatTng aclivilles
S3, 162
Cash flows from wiv8sllng actTrMties'.
Purchase of tangible fixed assets
Interest receNed and rent from in¥eslrn•rrfs
16.1891
26.413
f4 189)
79,248
N•t euh u¥•d kn In4*•tlno •ctlvltkn:
20.224
71.059
C85h flows frorn financang actNItt•s:
Loan repayments kn y4r
(19.333)
(24612)
Net ea8h u4•d In Ilnon¢kng
119.333)
(21012)
Changè in Cash and ¢4gh oqu5vaknt8 In
thè Mporting porf¢)d
96m1
96.809
Cash and cash equivalènts at tho begrn¥ng
of the reportwig perbd
429,874
3311705
Cash and ￿3￿ eqthiak8nl$ althe end ofthe
f8POrtlng perf¢)d
S21666
429,874
Roconclllatlon of n•t Incom•
to n•t ca•h flowfmrn operntkw actlvll
2021
2020
Nel IncomÈlleynth1u￿) br repwbng pwknd
(as per the stsiement of ffinancial actlvitiesl
Adjustments lor".
Depreclatlon dlar
IGainslthse5 on Inveslments
Interest re￿1ve￿ and rent from In￿51[r￿ntI
Interest paid
D•L¥e8Sellncre￿} In debtors
In¢rea8e credKoT8
87887
84,740
19.814
20,515
[41.￿0)
(79.248)
28.145
1&415J
71,740
P8,4131
27,072
Net GaBh provld•d by operntlng actl¥itieB
121J42
79.SiV
N•t D•bt Re¢onciliatlon
Atstart
of year
Othér non.
ca8hchany8 TAnsfvrn .
Totsl
Cash
429.874
s.￿1
Loans falling due will￿n one
153,856) 19,333
Loans fanlng due after than th)¢ year (￿1
T¢)tal
(311.4051 11U124
526,568
153.1781
{18.655}
18
1,806
1193.STS)
14

CAMBRIDGE & DISTRICT crrizENS ADVICE BUREAU
Notes to the Financial Statements
For the Year Ended 31 March 2021
Ac¢ounllThJ pomclos
The principal acujunting polKiesadopted. judgemthsar*J key*yJTts50fosthmaiion un¢*Tknnty knlhè w•paration
of the finanri31 staternents 8re as foll17W8.'
•) Bas18 of pr•p•ratlon
The financial statements ha￿ teen prepared in ￿cC*danCe with Att￿ntry19 and Reportlng by Chariith..
Statement of Reconwnended Practice W￿Cable to charities preparing their accDurts in accordance with the
Financial Reporting Slandard applvbkn in the UK Republ￿ of Ireland IFRS 1021 {thive 1 January
20191- (Charities SORP IFRS 10211, the Financial Reporlir¥J Standard applicable in the UK and Republic of
Irelarbd {FRS 1021 and the A¢1 20C6.
Cambrfdge and District Ciiizens Advice Bureaj meets the defirrition ofa pubkc benefit entity under FRS 102.
Assets and 1'a￿'11t1￿ are inrtrally recogntsed at hisloricd cost orlransaction ￿lue unLqss olharwisa stated In
th• rèlevant 袢XJuntr@ pc4Ky ￿￿$}.
bl Logal stath of th• Charlty
The charity Is a company h'mited by W4r￿le¥ and no sh8r• Ca￿1. In fv t￿nI oflhe ¢h8rity bglng wound
up, thè li8bilily in r&spe¢t ol Ihtr guarantee is limited to £1 per ff￿ber ofthe thanty. There are21 mernbers {2020.'
21 members). The registered offK6 addres81166 [kn￿lre Road, Cambrldge CB128L.
¢) Golng concern
Th8 tru51w ￿n$￿er that Ih•rn ore no matsrial urwwnfjes Cambr￿e and Dlstrict Cthzen$ Advlce
Bureau's ability lo continu• aB a 90iig concem. Wth regard Ihe year, the m051 significant areas of
ur￿ertaInty of Cwnbridge ond DistrLt Citizens Adv¢ce Bureau are the knl d grant funding which needs 10
ba roised each and every year and is cover¢d in détail p&tsmwnc• and ri8k sectK)ns of the
tru8tees' annual report for more information.
Slnce 31 March 2020, the spyead of com￿19 ha5 Jeverely Irnp￿ted many economies around tho
globe. In rnany Countr￿S. businesses ar8 bw'ng forced lo cease or limil 0￿[allOnS lor kjng or indefinite
periods ofllmg. M¢o$ures t8k¢n to ￿ntaIn the sprn•J of the viw$, induding tra￿1 bans, quar9n￿n?S, srKlal
di8tancing. and cl%ures of non-essenlkn?l have triggewd $ignrfKanl ¢Jisruptlon$ to busines￿$
worldwide. reSU￿1ng in an economic 8lowdcA￿. Glcèal $lock markèts have also exp8rianced great voLqtiltty
and a signifi¢onl we*•nlng. Government$ and ¢entr81 banks have responded wrth Monetary ?nd fiscal
inlervenlions to stabilise eCOnorn￿ conditions. Service de&¥ery has been adapted a5 detaiked nh)re lully in
the Tru$lee5' Report and the Charity has determined thal there are rKs adju51ry subsequ8nt 8vents as an
effect of COVID-19. Accordingty. the financK41 poslion aNJ rgsums of operat￿In8 as of and for the year ended
31 Morch 2021 have ￿)t been affjusted to reflect any irnpact of changes. The duration and imp8cI ol the
COVID-19 pandemK, as well as the effectNeness of bTr)vernment and central bank regpon$e$, remalns
unclear al this time. 11 ￿ not FQ53ible to relialty e5trnale the duration and severty of these con5equence8,
88 well as their Impact on Ihe financial positKJn and TesuKs of the Charity forfuture Perh￿6.
dl Fund accountlng
Unreslricled fund$ or¢ avaik8ble lo sp￿d on acbvthes thal fvrthef any of Ihe Ntyposes ¢1 tharity. ￿Ignated
lunds are unrestricted fvnds of the charity the truslees have decided al their d1sfftts'￿ to sèl aslde t¢ use
f¢r a 5pedfic purpose. The am and purpose of ear* d￿gnaled fund is set oul in the notes io the finandal
51atements. Restricted flmds are Carnb* aTrd District Citizens Advice Bu￿au,9 work or pr(4ects belng
undertaken by Ihe charity. The ¢05101 rai%tvJ and adrrinisteriTrJ Such fvTrJs are charged ag8in51 the specific fftjnd.
The aim and use ofeach material de￿Trated and rest￿&Y fund is set wl in Ihe notes lo thefinandal Statew￿1%
Inveslrnent income. g8ins and losses are alocated to the 8ppmwate fund.
el Income
All Incom8 Is r8cc¢Jns8d in the Statstnenl of FinarKxal AL*￿1&S th& charty has entit￿ment to the funds, It is
probable th8t Ihe irrDme WAII be Tecwved and Ihe arrrf)￿t cw be nwsured reliably. V¥her8 rKYJtne ha5 ￿lated
expenditure las with fundrai￿ng or contracl income aThJ partner fiJnthTrgl. the Inl￿rne and related expenditure are
reported gro4 in Statèm¢nt ot FinarKiI Activilio5.
15

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Financial Ststements (continued
For the Year Ended 31 March 2021
Donab¢)ns. grants and gifts are recogni8ed when reC£wdb￿. In th• ￿ent that a grdnl i8 6Ltbiect to fu￿11￿ng
performance ¢¢nditions t*fore the charity ￿ entitled to ts funds, the in¢(￿e Is defer￿ and not recognised until
it 18 prots8ble that thos6 (x)nditions wlll be f￿r11￿d in Ihe reportlng period. In￿me from &"ft tax redaitns Is
recognised for any donatsons wilh relevant GiftAid certbficates rwTh"sed in ir￿orne lor the year. Any amounts of
Grfl Akl not re¢eived by thè year end are a)))unted for in irKorno and xcrued i1￿1)rne in debtors.
Income re￿V8d in advance for a firtura f￿drakng orky a want r•¢eiv>l r￿￿j trJ the fdl(y•Ang year arg
deferred untrf the c¥bt8rla lor irbxrne r&J)gnrtr(￿ are met.
Interest on deposit fvnds held is ￿cluded vthen receivab￿ ST￿ the anv)unt can be rneaSu￿ reliab￿ by the charity
which is norm311y upon nob"fi¢8tKJn of th8 Intere51 pakl or payatle by bank. DNldenas aré reo)gnlsed onc¢ the
dfvldend has b88n dedared and ThAifirAl*)n hes rec*l¥¢d Of￿ divthid d￿.
This Is normally upon n¢tifKalion by tyjrimstment ath4iKrfofthe dThridènd ￿eld olthe Investment porllolkj. Incom&
lax recoverablo In r*￿tion to Inv•stment ncom¢ iewlsed al Ibe twne ts IrNèstrnent irwm? Is receivable.
l) Exp•ndknrre and Irreet)vernlJle VAT
Expenditure 16 recognl$¥d orKe ther8 & 8 legal or construrAfr4e ot4trJadon to make a paymertt to a thSrd party, 1118
obabl• Ihal Settthent be r89￿red and Ihe oflhe obligat￿n can b&m￿ted r¢lL•bly. Wl exp8t)dltur•
18 accounl8d for on an accrua15 basls unI￿rthe Idkjwg ￿a￿n9$..
Cos18 0fr8k8lngluThJsc¥)mprlsethJndr4is￿ cost• kn￿rTed In 8e8kry d¢Thlknn3, granl$8nd kng8d•s. IncJude8
staff tlm• as w•U 86 adoltlonal supwt and costs.
Inv8Stment propgrty kncryne and exp￿dit￿e relates lo the firsl floty tenant acuJmmo¢atKJn and Me?￿n9 TOOrn
avai18bkn for hire. An anocatlon based on 110￿ area136%1, of premi$05 aThJ loan intera$l costs 1$ c*arged lo Ihl8
88 wdl as dlréct costs 8sxKiat•d wth •x¢wnal booknrvJ$ aThJ hw
ExpeThJilure on charitable aLYfvrfOes I￿rud&S lh• (xists rApYovldtr& Wst And genora￿St fjd¥l¢• to cll•nt8. and
the assoclaitsd support costs.
rtner fundlng ¢0818 reLgle io those pArtB •v•rd to 8 pr* pwtner. In Iho30 ￿85 th• bureau18 Iho
lead grantea.
Support cos18 ¢ximw18e o)sts w￿h we lTh)JrrgJ dtr•cty tn wpp)rt of expendiiur• on cbjec18 01 the
charity and thdude governarKe cxjst, financ4. and ot￿e rn51s. G￿MOTh¢e c#Jsts arè Iho$ts [￿$t5 Incurred In
¢onnectlon Ihe Mrnplionco wrfh o)nstrtLrtSonal and 5tstut¢Ny requThnents of the charity. Irre￿ierable VAT Is
charged 83 8 ¢￿t againsl tho KtNty forwhkh Ihe w￿￿re was InuJrTed.
Suppryt costs ar8 aUo¢aled to e8ch ol the actMt*s on ong of the lolkiwino the basis: either floor space or staff
time or staff head¢ountdependng on the naknKe olthe supportco$ts. to best alorat8 the co$lslo each altrtbulable
headiTrJ.
gl Volunteerg
The value oflh8 ser¥￿e$ proytded by?￿JnteOrs is Mt ￿¢411￿￿￿1 intothe5elknarKlal statements. Furth¥ delalls
ottheir conlribufjon are pro￿￿ed in the Trustees, rw)wL
h) Flxed asBots
Oepreixalxjn is provided at the followk)g rat•5 in order trj Ynite off assel ovgr tts estimated u8•ful Ilfe.
FreehLld wjperty
- 2% on cost
Fixtures and frttlnos
PaYr￿ntI on account offlxed assets
. 33% on gxl and 2S% on redudru ba19
Computer equip¥n8trt
- Tr)1 pro¥td&l
. 33% on cosl
Any tangble fred asset or software (xisiTrJ £1.(￿￿ or less Is wrllen off in Ihe financial stst?ments In th8 year il is
acquired. For 8ny such as58t Costing mcffe than £1,iD) ¢*pred81N)n is prov*Jed to wrile off the cost5 over its
eslitnat8d ¢¢onoffi¢c Ilfe.
18

CAMBRIDGE & DISTRICT CMZENS ADVICE BUREAU
Notes to the Financial Statements (contlnued)
For the Year Ended 31 March 2021
The need for any impainnenl of a ffixed asset writtrdml 15 considwed rft￿ 15 CA)ncem over Ihe csrrywig v￿u￿
of sn ass8t and is ass8ssèd by cg¥wirNJ that ¢arrying •gain$l tho Va￿ u$e or realisable value ol the
assèt when appropriatè.
11 Imi•stm•nt property
IrNesbnenl property 1$ shown at rTh)$t recent and re•ahJated by trustee$ at year end aThJ is slated at
its fair vatue. Ary 8ggregate surptsjs or def￿1t arisiry frorn c*aroes ￿ market valuo * transferred to o revaluatlon
reserve.
The investment property was vabjed by Kate Pmctor IRICS registered valuer) of Carter Jona8. 1 Station
Square. Cambrtdge C812GA on a fair value basis as at 23 April 2020. At that lime the Valuati￿ reflected
the most recent relevant wdencg avalable bul du¢ lo uwlwnty a$swated wilh the impact of the Covld
pandemic on propoty value$. this had been Issued subject to a"Valua￿) Unc&rtainty" dause which is the
approach reccrfnrnended by the RICS where the valuer concludes there rJ material uncertainty. This clause
has suic6 begn remove(l. Trustees hava agreed. after consultation whh Carter Jonas, that the Cuffent
valuation reflects the lo¢a] propwty market.
11 Operatlng Lea••i
A￿1$1$ pald under oporaliNJ1oa8ts ¥tr tharged to th8 Statemerrt of Flnanaal Adpiiti88 on a 8lrd9hl In• ba818
over th& ptrtod of tho leas¢.
kl Debtors
Trade and Lth•r debtm are r￿gnISed 41 tha selllem•tt arno￿1 du8 after any trad& discount offered.
PrtP8ymenls are valuod 8t t￿ amount prepth nel ol any trade discourrts due. knrued incoma and lax
rècoverable 1$ In¢luded al Ih nosl esUmato of the Anxwnts fecefv4ble at the b81ancA shoet d8t¢.
11 C•Bh at bank and In hand
C88h ai ba￿ and cash In hand I￿L￿$ cash and short t•m) higw I￿￿k1 In￿atMan15 with a short maluriiy of
three rnonths or lèss from the date ol 8cquwttion or opey¥ng of the dep)sit or Wmilara￿0unl.
ml Cr•dlto
Creditors arè ro￿￿1$¢d where the tharity wesent obl'gatw resul1r￿ a p8St event Ihat wlll probably
result In the traftsfw of fvnds lo a I￿rd party and the arn(￿￿t due to seltle the oblNJatK•n can be measured OT
estwnale rdlably. C￿d￿0T8 8r• ncrfmaly r8cogrus8d atlher sett￿ment amount aftw allowkng any trade dlscounts
¢￿e.
n) Flnanclal In8tNmfrnis
The eharity only has finandal assets and fin&ni¥￿ liabiTriie6 of a kryid Ihat qu*ify as ba8tG fknandal in8trurnenl$.
Bas¢c fin8n¢ial instNTh*nls are Initial￿ reo4Thsed ai trartsaclion value and subsequently Measu￿ at their
Seltlement value tho exceptK)n ol bank k)ans whkh subsequ•ntly m•asuf8d at amortised c￿[ uslng the
effectlve inteTOSt mèthod. Flxtd 8ssé1$8rtr￿1ued ald$pre¢>at￿ ¢o$18nd knvo$lmentsattslrvaluevknith18 markot
value. The hisior*al cost and ￿l￿$￿￿$S¢S ar¢ separalety dis¢lostd wlhin note 11.
ol pen￿0￿
Tha charita￿• (x)mpany conlrbutes to employees. ￿rSOnal pension 5themes (defin￿ rnntributH)n 8chernpl.
C￿trIbutionS a￿ charged to the Slatement of FlnarKial Actk¥th"es in the perlod to they relate.
pl Taxatlon
Th8 company 18 consldered to pass th• l•sts set oul in PaA9raph 1 Schedul& 6 of tho Finance Act2D10 and
the￿lOr& it meèts the derm￿On of a charit￿￿ c￿31￿ for UK corporat￿￿ tax purrA)sts. Al￿rdingly, the
company is polentialty exernpl from taKatNJn in re5P&Ct ol Irthrne or capital gains recer¥ed within calegDriPS
covered by Ch4Jlef 3 Part 11 oflhe T8x Ad 2010 or Secti￿256 oftho Taxation of Charg•abl8 Galns
Act 1992.10 the ¢xt¢nt that 8u¢h ir*tyre ¢* gains We ar¥JL*d exclu5ivety lo charitsble pvrpose8.
17

CAMBRIDGE & DISTRICT cmzENS ADVICE BUREAU
Notes to the Financlal Statements (continued)
For the Year Ended 31 March 2021
91 Prop•rty Fund
The most *nfficant areas of adjustment and key assumpt#ms that alfect item$ in the a(tounts are to do with a
reallocation of assets Into the prq)ety fwml and the vduatw ofthe in¥&slm¢nt pvopty ￿ disdosed withln noto
10.
r) Estimate¥ and Judgernents
Estlm8tes and I￿]geMents are conlinvaty evaluated are based on histor¢al e>perience and other
factoTr. including exFectaliorts of lutur8 thnls that are beiiev&J to be r¢a8onablè underlhe CiTcum5tances.
Although theseeslimates are based on the trusl8e's test kncy*ledge ofthe amwnt, events or acllon8. actUg1
results u#imatety dfftrfrom th8se esb"mates. INstees do noteonsidar there to beaiy material eslimaies
and ludgements except frjr tho vauatKffi Dfthe Investment propety as disc1ts6ed wff¢hin Tr)te 10.
Sl Redundancy and Tarnilnatlon
Redundancy and termination costs are wntsed as an expense in the Stat6mBnl of Financial Activities
an(1 a Ilability on the BalaTKe Sheet in1￿￿81￿Y * the p(xnl the charily is damonstrably committed to
eilhw.. al Temln8le the empkjyment of an employee ￿grOUP ofemployees béfore rK)rmal retlremont date..
bl Provide lerrrinatTh benefits as a result Lrf an offer made in crfder to 8ncourage voluntary
redundancy. Th8 charity ts consKlered to be demorthbly committed only when it has a detaikd formal
plan for Ihe 19minat￿n and B wthoul realislic pDssibility of witlylrawal from tho pl￿. The charlty will
accounl for temknallon payments al the point at wh￿h th• offer ffJ accepted by the employeo.
18

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Flnanclal Statements (continued)
For tho Year Ended 31 March 2021
UtWOSlrf￿ Do8linbt•d R•8trkt•d TOTAL
G•rw•lFwls FI￿d*
Funds
Total
Donations. Grnnts & Legacies
Dona￿0￿3 & Charitable Tntsts
Gener81 donations
Charitab18 Trust5
8atterson-Chwers FoundatTon
Ch8dwyck-Healey Trust
C8mbd¢geshlr¢ Community Fund
Pye Foundalion
Patron & Staff Fundraiskng Evants
Grants
87 11.227
4388
1.500
20.000
10.cw 10.000
6,000
13.065
780.342 75V,342
20,000
13,Cfj5
10.¢J]O
8,876
712,615
11.705
79OA29 8S1136
757,878
Prforygar
Donatlons & Ch41i14bl• TruJis
Gene￿IdOn￿￿on$
Charilabl& Twsts
Batters¢)n.Chrrfers Foundalh
Chadvryck-Healoy fntst
Founfjallon
Palmn & SleMFundral* Events
7.758
630 8,388
20,000
8,875
711,969 711615
646
prtoryvar
4&279
T11599 757.878
In¢ludod In grants ab¢¥0 is £479,771 from I(￿al aul￿ritte3 (see nrAe 14a lor fijrther detai151 {2020'. 475,593).
F￿dIng fe¢eived frC￿ South Cambridgeshlre Eistrict Coul￿1 I￿4￿d•S £29,7SO paid lo oiher bureaux for
partner projecls 12020.. £29.750} Is8& Also Not• TJ. Also iidLKlad abov8 is £3.010 in fundhg from Cambridg8
Clty Councll carrfa(I foward lo spend (n futujp Ye￿ th xtord*K4wlh grant condttion$ 8$ shovm kn nolo 15&
hafltable Actlvld•s
20
TOTAL
Contra
Casework tratriTrJ and conS￿nCY
Other trading
73.445 133.698
74
74
176.480
991
8S
Net In¢orne aTknlng from ch•rttabl• aclMtI••
10253
n.519 133.772
177.557
Piiorye4r
Conlr8cts
casewo￿ tra￿Ing and cons
¢>hgrtrothng
17¢480 176,480
992
85
4L
177.on 17T,557
19

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Financial Statements (continued)
For the Year Ended 31 March 2021
Invo8trnentln¢ome
20
2020
Rènlal Income..
Tenant rent
Room hlre
and oth8r ch8rgoS
25.858
75
72,486
4.337
1, 149
75
Total Incomè from rnntal In¢ome
28.933
25.933
77.972
Galn on ￿Vestman1 prop
k int8rèsl
41.009
1.276
480
Totsl Incom• from galn8 on 5nv•slrnnt
215,933
26A13
120.248
Phor Yo8r
1nvAftm￿l Inwne
Renlèl In¢ome.'
renant renlol
Room hl
Calering anddherch8rg88
72.480
4,337
72,486
4,337
1.149
To1411n¢om* from Y•nt•lln¢om•
77.972
77972
Gain on Investm•ftlNopgrty
B8nklnt8rnst
41,0
1,276
1.276
rot•lln¢om• fronj g•IM on thv•4lm•M
114972
120,24
othor In¢orn•
TOTAL
Corona￿1￿8 Job R8t•ntwJn S¢h•mo
2.848
An*tyBls of Totsl Expendltw•- Cumnt Year
Olr•
oib•r
Support
2021
Totql
Cost of raising fundB
Inveslment property
Other fundraising
10.395
10.395
35.381
32.678
Charitable activlel•s
Advke prov￿lon
Partner costs
1683
10,395
45,757
587.712
20.$22
29.750
283,440
871.674
29.750
$87.712
10.272
281440
901.424
Total eXpendi￿re
620J90 52.955 274B36
947,180

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Financial Ststements (continued)
For the Year Ended 31 March 2021
Anatysts ol Tolal E￿WIdI4￿+- Prfof Y
Oth•r
$wort
Totsl
Costof raising fun(ts
Investmentprwty
0th8rfundralsl
12.366
t2,76f
4T,8Q4
36.717
11,08T
36.717
11.482
12.366
6(1,565
Charftable actlvlU•s
Advice provis￿￿
Partn8rcost
1.681
52,922
33,396
262,380
876,983
33,39
561,681
88.318
262.380
910.3Yg
Total•xpen¢thrn
594
97,799
2T4,740
9ro,944
Support costj Includ?:
Colt ol R*l*lng Funda
Investment Propety
10.395
12.781
Charit•bl? ActMtkn•
Salaries
Tr￿nIry. trawl, reLxulm•rt
Office adM￿lStraI￿)
Premi$o$ ¢os¢s
Audit
Legal Fvofuglonal fees
Property valuatKJn fees
Payrol and xcountlng fees
AGM
Bank ¢h
IrreC￿rable VAT
8S,680
18,514
86,969
64.811
6,120
1.798
77.452
31.355
49.279
74.332
47S
3.189
148
4.306
1, 795
T59
14127
15,878
273.835
274,746
t￿L￿￿e￿ within 5UPWt 8re g(NeMan￿ lol(Yw8:
Al￿11
AGM
6,120
The ba81$ of Support ¢osts •1kx8tion is set in ¥ccwntity p)Ir¢y 1f.
Partner costs TeL4te to jolnt proleds ￿ere Ihe bweau Vds *ad for a group of organisations. Flnthng receN8d
was pald dwedy to partners for Iheir own prOj￿t ¢))sts. £29.750 re￿Ned from South cambt1dgoshi￿ Dtstr*t
Council went to CitizensAd¥lc¢ ￿rth Herts (£17.8501. C6tYLens Adv￿8 Suffolk West1£5,9501 and CilvLen5Advic8
Uttle8ford1£5,950).
Prfor Ygar Partn8r costs rèlatè to￿1n1pMi8￿S where the iwrnau was lead fora g￿uP of owanisalions. Fundlng
fgceN8dwas PaAdout d1rnetlytopartll8￿ fortheirownproieclcosts. £2￿,7￿ received from South Can￿nd988hir￿
slrict Council bvgntto CJttt6nsAttwc¢ North Herts f£17.850). CitizensAdviG8 Suffolk West(£5,95QJ anLI Cltlzens
Advlco Uflosforcl [£5.9￿). £3.646 Irom 8tg Lottery IH* thffcw￿ Qi&sJ to James B8dd8lèy Consultlng
21

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Flnanclal Statements (continued)
For the Year Ended 31 March 2021
Analysls of staff costs and kny Managen￿ personnel
Wages aTrJ SB*ri
Socral sécurity costs
Pension o)sts
615,7T8
46,298
588,658
46.917
40.275
706,071
675.
Tha charity Iru$tee$ were not paid or rec*ived ay othw benefrts Ircffn employment with tho bureau12020: £nir).
S￿1¥1 seC￿ty ¢0818 abov8 exdude tl* annual 8mpltymert ￿kn¥￿nce of £4.COJ from HMRC12020'. £3.0001. Thè
bureau pay8 a 7% LwIrt)thion to all pens￿[￿￿￿181g 14% over the mknimum r•ty•'r8d under auttr8nrolment
8th8me rules). The awagfr mmlhty Nmber ofemployees during Iht yearwas as follows..
Chlof executive
Advlsers and spetsafj518
AdrninLslrati¢rt Ind 8UPPryt
Prolecl stsff
11
10
27
No •mploy•e¥ who$8 tot¥1 employe• bwtfft8 pernknn &￿tr￿j￿0￿8 èamed over £60,OCKJ (2020: No
employees). In addition to the paid staff. the chaity has the ust of highly Ifained and profa56ional volunleers. 83
volunieer812020.. 1131 gave over Itme at £462.005 (2020.. £446.1241. This o)st has nol b*en recognls811
the aecounts.
Total rOTh￿nera￿ pold, kndudlng •mF4oyers' NatWJM￿ Insur￿￿ 9)ntr￿tIons. to ihTe8 Kèy Management
personnel In th8 year, inth(*"ng pension cortribubM5. ￿￿8 £141411 12020.. Three Key Managemenl pgrsonnel
£125.4521.
During thè year a number ofredundan¢xs plac• after full c1Jr￿￿￿a1￿n and agreement by lh8 Board
of Trustees. The lotsl payments mad¥ ￿re £4,55212020'. £nll). The pol*15 lo •C￿nI for
t•rnilnalion payment$ 41 the pdnt 8t th* offer Is *cc•Ftsd by ernpbY￿.
N•t Incorn•
20
Net In¢on* h staled after ch8rgkng.'
19.814
Auditoys r•mtsrffjTatloo.'
For audil seMce5
For ac￿￿Tr¢arry seNces
Operating lease rentaL*. ￿￿1pment
20.545
6.120
1.975
35.875
37.827

CAMBRIDGE & DISTRICTCITIZENS ADVICE BUREAU
Notes to the Financial Statements (contlnued)
For the Year Ended 31 March 2021
TanBlblo Flx8d As89ts
Frn•hold
COST
At 1 April 2020
AdditKJns
741.770
142.389
149.516
1,033,674
As al 31 March 2021
741.770
142.389
149.516
1,033.674
OEPRECIATIOhl
Al 1 April 2020
Chargè fory8ar
Elrnlnatad on dtsposal
141.734
14207
129.4x1
4274
147,509
1.333
418.663
19.814
A8 at 31 March 2021
155,941
133,694
148.842
438.477
NET BOOK VALUE
Ag At 31 M•r¢h 2021
sa5￿211
B.695
673
$94198
A$ 0131 Math 2020
12.969
615.012
11
Inveltments
•) At start of tha yeor
Unrealised qain on revatLW
767,500
726,
41,C
Al the er*3 of ￿or
767,500
767,SCtI
Hlstorical cosl £570,WO12D20.' £570.OC(11. TIE prorerty has been by thtr TnJslees folwng consultatton
durin9 the year with Kate Proctor IRICS Regtslered Valuefl of Cartef Jtsiag. 1 Stallorts Sq￿re. Cambrhjga C31
2GA.
bl Anatysi5 of ii¥estrnent8
Investrnenl wop
Unknsted Inv6slm•nts
767.000
726.fK#J
Tot*1
787,5
726.8C(I
There w8r• no invé*ment a$set5 outslde th? UK investmenl ¢))trrJrtses Ordlnary £1 Sh￿e$ In
Ajlia Urnited. Investment propety comprises Ihe let part of 06 Devonshwe Road. See also aceountlng polkny D.
12
D•btorn
2021
Trad8 d•btors
Otsr debtor5
Prepayments
Awued inccrfne
24,C61
55.T24
330
775
7.934
1.2C
12.424
37,892
64.763

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to tho Financlal Statements (contlnued)
For the Year Ended 31 March 2021
13
Credltors: Amounts Falllng [￿•
Wlthln OM Year
Tr&Je u81litorB
S￿Aal s8cuoty and other t8xe8
Other credrto
Other loans (S￿ noie 13)
A¢cruals
Del8ired IrKome
28,149
11.512
2.B87
53.178
15,165
15.77T
28.542
165.452
163. 173
Atrruals are payable wAhln th• ernlit temis of assewled in¥olc8s. vth•n T￿l¥•d. Deferred Income
relates to rentsl income buled in of1￿ year. Movemonts are as *)IkJws'.
>J21
2020
Balanee brought fon¥ard at 1 April 2020
Amount mleased to Ststtmenl of FIn￿¢￿a Athty
Amunt deferred in th8 year
28,S42
r28.S421
54.562
8.461
18,4611
28.542
Bal8nce carried IC￿rd èt 31 Mar¢h 2021
28,542
14
Crndltorn: Amounts Falllng Aft•r Mor• Than On• Y•v
2021
Due Sn 1-2 yearn
Duè in 2-5 years
Oue ￿ greater than 5 years
53,178
159,533
454.252
161.
471,999
868,￿ 687.423
18
Operntlng L•au Commltments
Equiprnent
Th8 foll￿ng total oper￿7n0 leas• ccffjmilThrts ar• ry>mmNted lo bè pald:
Expirkng In 1 year
EXp￿ng In 2-5 yews
9.307
14.691
25.327
36M26
23.999
Lessor
The folov4irna tolal operalthg *48eC¢￿rnl1tY*ftts *e cC￿MItted to be recel¥ed'.
2fy21
rkng In 1 year
137.3rn
19.77S)
137J
24

CAMBRIDGE & DISTRICT crrizENSADVICE BUREAU
Notes to the Financial Statements (continued)
For the Year Ended 31 March 2021
PAcured Debtg
The follo￿ng secued debts 8r¢ indLwJed within cTr¢frtors:
Other loan8
T20.141
741280
720.141
741280
The I￿8 due in I￿e Ihan one af• owed to Lknty Trust Bank. Al is secured againl the pr¢wwty or
Devonshire Road and repayable over 2S years. and ¢￿￿￿n¢£￿ li J(ty 2014. 11 was refinanced at that d8te
from a toan from the Scoal Investment Busthes&
mortgage 18 seryyed by a fLxed chary¢ owthe pr¢oety 8166 D￿onshITe Road. Cambrth3e. Rep8yments of
caprtal and interest ar• mad• on a rnonthty ba$k8. Interest ￿ payable al 3.1% per aTrnum13.5% In sxemous ye8rl
calculalad on a daily basls. Thi3 year we ￿CeIved o three month ¢aMal r*p•ymenl ￿lMaaY to a68i81 with any
Imp8¢t on cashffi￿ that mlgt4 ha4* ar&th) frtyn the Cowd-19 lo¢kthwn in 2020.
Tho carrylng valup ofthe 88sets Be￿red in th• aCt￿￿Th￿ bs £1.302.89812020: £1,341.5121.
25

CAMBRIDGE & DISTRICT crrizENS ADVICE BUREAU
Notes to the Flnanclal Statements (¢ontlnued)
For tho Year Ended 31 March 2021
16
Movemontln Funds
. 16a R￿trIcted Fund￿ curmrt>*ar
AtJ1
March
2D
Evetyn Tnjst
Big Lottèry..
11218
(11.2181
(42)
12.063)
185.956}
129
554
18.086
Aw¥ds forA
Help Through Cr
N8knal Lottery- Corol￿vrUS
Comrnunity Suomjrt Furkl
Cambrldge City Cound..
Core Fundirwj
Outreach IAt&rk
sp8cl￿1$1 Wdfare Rlgthts
F￿a￿la1 Capabilty
Homele86nes8 Pravention
Personal Budgellng Supp¢yi
One•off Fundng
Citrens pA1￿ce..
Energy Ad￿￿• Prrwmn
Hel) to Clawn
BEIS Remots IN¢*knng Equ
BEIS Softphon•s
Monoy & P¢n$￿$ se￿jL* IPAAPS)
Phon• & ￿￿hat
Trussell Tw$t F¢odbar* Hoty1)&
Girton TrAvn Chwly- Oulreath
GCP Invesfkn9 ￿ Cornfflunltks
John Huntingdon Charity
south caM￿d9$$hi[Q Eistrlct Counc4:
CO￿ FundiNJ
Housing Debl Adbi¢¥
GP Outrèo¢h
Carnbrid￿ Housing Soc*ty-Wntsr
Cambridge ¢{Thry￿nrtY FUNI
C8mbr*Jge Cty Foodbank
Anglla Ruskkn Universty
2.617
8,749
21.969
{20.￿9)
1,000
1.789
2(MI.CO) 12CKI,0451
1S0,OQ)I
130.oc
20.0)) I20,0￿)
(35.OCQI
1392511
1422)
1,744
39251
1.089
1.267
8.545
105.675
13.730
13,975
21,955
18.54SI
1105.6751
(13.7201
12,1551
(21.955)
{8.OCOI
(47,8(Xl
11,5LKJI
11,584)
110.a04}
11,820
47.808
1.500
83,293
81.706
10,804
(85.Tr)01
113,7301
,000)
(12,787)
(9.9S9)
12.0631
(8,750)
13.730
12.787
10.(￿7
8,750
Total
78,716
169.159
1851.0321
96,842

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Financial Statements (contlnued)
For the Year Ended 31 March 2021
Restri¢ledFunds- prforye•r
At31
2019
2020
Re4tr1cledfunds
Ev￿y￿ Tnist
Blg Lotl•ry.'
Aoknc& Plu$
Awards lorAII
18.659
118.65gJ
2T7
(56)
(7,383)
fl01.570J
171
Z617
a749
10,000
101.5TO
749
Cambrtdge City Councd"..
CO￿ Funth
Ots*mach Work
S￿1&￿8¢ ￿lIar6 RW
Finartctal Capab￿llY
t.8￿ 200,CW (2Lkl,061)
50.000 (￿.000)
30,C
(30,OOOJ
20,LX
(20.LIOO)
35.0￿?
(35.OOOJ
39.073
(39.073)
(563)
1,789
Pgfsonal Budgetsng Supwt
Ons-off Funi*ng
Crllzens Advice."
En&rgy Bosl Doal Exlra
EnergyAdvice PrwJt>N
Hep to Clalm (sgt ty))
He￿ to Cla'm
Casebook
Glrton Town Gh8nty- O&#m8
GCPlnvesllngrfn Comnm￿s
John Hunllngdon Charity
South C8mbiidwshire L￿rtG+ Co￿￿#..
CLve Fundlng
Houslng DebtAdvic•
GP Outmach
Cambrfdgp HouslThJ Soclety
Cardind Menagemont {Addgnbroolos)
Cembrfdge CommtsnifyFund
Cambrfdge CrfyFoodb•nk
Pr0￿CtNOrth East
Add¢ftbmokes Chantable Twsl
l2J2
1,689
(830)
{11.400J
1277
(3,27n
102.552 (102.552)
250
(250)
(20.852J
(1,590)
(17.287J
4,883
63.293
17.287
84thJO
8,520
(85,OOQJ
18,520)
{8.(￿ts)
(38.360)
(48.240)
(694)
(2aOOOJ
114(lOOJ
(528J
38.3fj0
48,240
1. ILY2
25,C
1S.WQ
528
468
Total
n.Tg7
889.671
f88lYS¥
78.715

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Notes to the Financial Statemonts (contlnued)
For the Year Ended 31 March 2021
Thè Evelyn Trust-An initial Iwo year propcf Io GP outr•ath ￿rk finished in July 2018 folkn¥
by a fvrther èxlernion grant for two years.
Blg Lottery Advlc• Pl￿- hjl fundkng h85 t￿n spont arKI th8 balar￿e con￿6￿ only of undepredat8d
frxed assets purchased W￿lhI￿ th¢ fund1￿J.
Blg Lottery Award5 fvr All-to proV￿￿e a￿d￿>￿su1 eq￿￿onI In Ihtr trankng FddlVe5 at Devon8hire Road for
the purpos& of generaling fvrthw rum&forthe bjreau.
Blg Loltery Holp through Qlsls- Fwe yeaf lur#110 8UPPOrt kndi4rydu￿s and koy agencAe$ ¢rf8ts casawork
8nd advocacy. FuThJiry instalments span aL¥oss tl* bureatrs fIn￿claI y8ar.
N4llonal Lott•ry Corona¥lnM Cornn￿nIty Support Fund- to wo¥&1e c¥lth informatlon and thlc• lo local
paople inpacted by the Corona¥iw$ pandemk.
Cambridg• City Councll- C¢r• FUndl￿- To ddNer ¢w CAB seNk*s lo the penpl• of Carrt)rid90. The
dosin9 fund balanc8 consists ￿ of undeprnLial•d fixed assèts ￿￿￿hased wtth the funding.
C8mbrfdgè Clty Councll- Outr••ch-To proMd8 8pedakst to communlty woups on topfG8 Buth 88
houslng and employrnent.
Camb￿￿9• Cbty COu￿11- 8pKl•ll$tW•lfarn RW•- To ¢a6v*ork S dayi A we•k Ind(￿Ing
bBneffit$ apped$ and rew•s•)tation. tr4knln9 and lo exlern* ag8ndg9.
Cambrfdg• Clty Councll- Hnan¢lal Capablllty. To th•trwnlng of group8 and Indlvlduals t¢ help Ih•m
betleT un¢Jefsland how to m8nage ther money.
C•rnbrfdge Clty Councll- HornelpBsn•M Pvw•nllon- Spec￿18t Ir￿P￿dent 8￿pOrt. advke and
representation around housing and debt issues.
Cimbrfdgo C]ty Councll- P•rJon•l 8udgrtlng &pport- advk• to people raceivln
Univers81 CrediL
CambrSdy• Clty Coun¢ll- On•.off funthng- Fvndlw to SllPFrfYt the proM$lon ol touch screen kiosks In Ihe
City. All lundiig has been spoftl and the bolanco r•)nsl8ts onty of unilapre¢ialed fixod a¥seis pUrcha￿d
wlth th• fijtyjing.
cl￿ze￿¥ Advle•- Eneryy AdtAt• Proqramm•- to defi¥er 1.1 advlc* on enorgy awarvne8s and
saving&
Cltizens AdvScè- Hglp to Clakn -giart awardad for3 yoar fvnthng to Pro￿1• athc& to dlents on the
UnNerBal Credl S¢￿￿￿e.
Cltlxens Athil¢g- BEIS Remote Workln9 Equlpm•nt- fo fvnd the Wase of14Jtops an¢J headsets fty use
by adwsor staff and vol￿1t￿er$ wc*klThJ r•rMteJy. FUndTh￿ ojw vk Cltoen¥ fvAvke from tho Departm8nt of
Bu51ness, Energy and Industrial Strat89y.
C11120ns AdTlc•- BEIS Softphon¢s- To ena￿ tho 8eTrvLe to Increase (xpadty lo rew>oTrJ to the Immediate
demand for adwce arising Irorn Covid-19 n a cosl-effecli¥e mBnner. Funthn9 ¢ow*s vla Citizens Athce from the
Department of &Jsin855. Energy Industrial Strateyy.
cIt￿n3 Advlce- Money and Pen51ons Servlce (MAPSI-TO IrbJease debt ad￿cO capacfty ty fundlffj 8 fi￿[
time debt a¢fvi5¢Y.
Cltizons Advice- Trus$￿ Tru￿ Foodbank Servlc•- FuTrJkng prowded from Trusseu Trust voa Cltiz•ns
Ailvice to provide teleFthone her￿￿￿ to fcrfjdbank or F#)tentsl
Grton OutrthKh- ser￿ hnded by Glrbn Tcthm one day a week in Gvton until April 2020.

CAMBRIDGE & DISTRICT cmzENS ADVICE BUREAU
Notes to the Financial Statements Icontlnued)
For the Year Ended 31 March 2021
Greater Carnbrldge Partngrnhlp - knvestlng In Comnwnllles - FinarKe kn capital fLmding toyrdrds the ICT
investment ol Ihe Advlcehub Al lundir6 has been spent and the cknirrtJ baLance CA)nslsts only of
undepreciated fLxed 8$S¢ts pur¢h¥sod with Ibe tunthng.
John Huntlngdon Charbty. Sawgton- spedaht debt eas8w0￿ for ihe residents of Saw5ton ar￿ the
surrounding 8rea$.
South Cambrldg•shlr• Dlgtrlctc￿nCll Corn Fundlng- G￿1 to delw Lyjre CAB servkes to th8 people of
South Carnbridgeshire.
South Cambrldg•8hlYp DlstslctCouncll- HouslnB Debt Advko-To debt ad￿¢0 trj local rè8ldents in
the Camboume
South Cambrldg•shlrn DlStrfetCt￿n¢lI GP I￿1￿ch- Fthdkni9 tts deliw ￿ c•Jtr•ach 9onerdi$l 01
Longstanton and Wllityharn GP 8uigerM.
Cambrfdg• Houslng So¢l•ty Wknt•r Fund-To thknrgrants to indMdud8 In need on behalf of
CambTSdgshlre County Council.
caMb￿dgeShIrQ Comunlty FuThl- £1.OCQ WffltsrAp￿I to wovlde wneryery I￿1 paymants lo Indlvlduals.
Cambrfdgo Clty Foodbank- To wo¥hJ8 hlThng Support to Foodbark vdunteer8 to In9•￿ effe¢lWy with
th8* d18nt$ lo Aprfl 2tr20.
Anglb• RUs￿n unI￿r$1ty- To $iyport hMln•$80$ In Il* Co¥TrJ-19 pardem¢ with ￿pport￿>r pl¥¢ernenl of one
student from tho U1￿￿¢r$Ity.
16b Unrn•trlet•d Fund•- cunnty••r
Al31
TranBf•rn Mir¢h 2021
20
Ine•Th Expndltur•
Goneral Fund
Do•Sgnatsd funds
66 Oevonshlrè Fload
R8v8hJ8lion ReseNo
Development R&s•rve
Builthng Malntenanc•
J.837
12S286
{75.123}
13021 130.698
570.C#JO
197.C#JO
.0(
20.CQO
(26,235)
302 570,000
197,OCD
60,000
20.0
T¢)t•l D•Blgnat•d Fund*
T¢)t41 Urwe8trlct•d fvnds
67.OOQ
947J37
25.933
151.219
{26335>
1101.368)
302 867.000
997.698
UnrestrlcledFunds-prlory
f31
G•nef4lFunal
Deslgrtaledfvn(h
66 OevonslNTr Road
Rov8lu8llon R&seNe
Developm6nt R6seivg
BIMding Matntenanc8
81016
47.040
(50,269)
2,0
8Q,836
STO,0￿ 7T,972
156,OtYJ
f26,213J
(51,T60) 570,000
197,000
45,OCiI 80,Ot
4,710
20,0(
(4.71OJ
TotalDesi9naledFunds
Total UnKeslricledfun(ts
781,IXW 118,972
86U116
166.013
(30,923)
(81.191)
(47OSQ) 86Y,000
947.838

CAMBRIDGE & DISTRICTcrrizENS ADVICE BUREAU
Notes to the Financial Statements (continued
For the Year Ended 31 March 2021
The 66 Devonyhlr• Road Fwxl relate5 to the prop*ty pwchased by the IAJreau when they moved out of reThted
premise6. The fund transfers r8fi8Ct the tpdated net b￿k vak¢ of tl* propetty. includlng in¥estment part, lèss
mortgage OUt5tandin9. The aThn 15 to a¢h￿ve SLYpIu8es on Ihe knvestment propety element to pay off Ihe ¢•pitsl
element ofthe ￿n￿al mortgage until l is p￿￿ off. TNS year the n•t defidl. due to a drop in rental irthme durln9
the Co￿l-l9 lockdown restr￿1￿$. ha$ been topp8d up by a ￿sIer ￿£302 from tho General Fund.
The Reva￿allOn R•s•N• is made w) ofthe awmyLqtgJ gah on v4u• ofthe WDperty at 66 Davonshlr• Road.
Th• D•vdopmBnt Fund vrds ueat8d from an 8ward fr￿n Ihè JP Goty FOundat￿n. Thls 1$ bwng held lo wepare
' for expendture on projeds wh&re the t￿l¢a￿ Mquires to rn8tclFfwJd contributions from other OTgaTwsations or
tgonors. This yèar the tund hgs been tOPP8d w) from a transfer frtxn the 66 DevoThshlre Road Fund tD pro￿de
Iddthonal monm req￿red In ab8enc• olfvnthvJ kn luiure yew5.
Th• Bulldlng M*lnt•ninG• F￿d wa8 crealed to Sei asldè 088ential upgradè repEawnent of bl￿Id1)g
Infrastructuré.
17
AnDlyBl8 of n•t aM•ts b•tw•on
Total
As at 31 MAr¢h 2021
Fl¥ed Assel$- TarMJUe A88ets
Fixed Assets. Investm8nts
Nel Current Ass8ts
LoTrJ Terrn Llablities
2,101
527.695
767,OtKI
239.268
1886,WJ3)
65.401
S95.198
767.5C(I
398.806
1886,9631
128.
31.441
130.698
867,CO)
96.842
1,094,$40
A$ •t31 Mareh 2020
Flxe4JA&sets- T￿n￿e Assots
Fix&dAss6ts- Investn￿nIS
Not CvrTÉ*ntAs3ets
Long Tgmi
4.047
511.405
767,000
246,018
(687,4231
09.559
615.012
767.500
331.464
(687,423J
76.2AI
9,15T
.831
867,Cfj)
78,716
1,026,553
Rolatod Party Tra￿￿¢tIon¥
Lhjrfng Ih? year, Ih8mwere rK) olher rdated party tms*tbJns12020'. £￿).
Contlngenl U4bllltlg•
19
There is a potentialVAT Ivablity uThkrthe capit￿ GeLyJ5Scheme, OV6f thtr next 3yewseslimaled at A present
vAlu$ of £7,CK)012020.. £7.0001. Thls has arwi due to the level ol taxabfe SUPF4i88 falung in cornparison to
levels made when th• Devonshre RoAd buIldr￿ was ￿ng und8rtaken.

CAMBRIDGE & DISTRICT cmzENS ADVICE BUREAU
Trustees, Report- Structure. Governance & Management
Gov•ming Doeum•nt
Tho bureau was 0ri9inally set up as a chaiity in Stptemkr 1939 t￿1 $ubsequenty ¢hanged Its status to
c*ar51able conyany limlted by guar￿lee by irK1x￿f￿tN1n on 26Aprl 1996 and Wd5 registered wd8ra n8wcharJty
number on 13 June 1￿. The company is established a Memorandum of Assoaation whkh identffies ils
objects and Fh)w¢rs and k% under ts Art*los of A¥wJ"8thx. In Iha event ol the company being wound
up every member linduding memter5*1)o ceased to be membws within one yearpriorto such wkndlng upl
b8 rèquired to contrbute to the c4np•Ws 8s£ets ￿ amwnt not exceedThJ £1.
The Charity5 obje(ts are to promote any ch8rrtable purp)se for the benefit Lrf the c4)mmuThty in the area of the
Clty of Cambrfdge. Styjlh Cambr#J9e8h*è Otstrict Coun¢4 aTrJ dsowhero Clhe 8re8 ￿ b&nefrt'? by thè
adwanc8ment ol ed￿1￿)rt. thè i¥otectic* *KI pre5erWin of he¥tth and thè rel￿f of Frf)V•rty. slckna8s
dlstre5S.
R•crultmont and AppoSntment of Now Tr￿te
The nwmurn nurnber of tn￿tee$ is 21 and the 1r1￿MUM 4. Trurtees we either e5eclgd at Ihg ann￿1 general
m•8Ung. or nomln8tsd by mer￿￿ ¢ryJanl$8tionts ty o>opled by Ihe tm8t•è board Ipfovid•d thai the number of
C￿0p1ed tsusiees th)es not exceed cTh Ihtrd of the lotal oftrusleesl. Al etected arhj nominated Irusloas
shall retir• from office at thè third annual ￿eTaI m8eting eleLtrin (ff appolntmgnt respedw¢ty but
may be re-elected or re•ppokntsd a further tefm.
In AddKlon to Iha AÈ4¥e truth•s. folMTrJ boArd m••lnp as non-￿￿ng membeTB:
Rathel T8bot- Ch'ef Executl¥e
Rkh8id Curtws. Mori¢e Mendo29- repl￿ntIng Il* stsff
Stephen Thornton, Robin Young- rep¥e5enling the vohJnt•8rs
Clr Josè Hales- rawesenling Sothh C8mbndgeshrè Th"stiict Co
Clr ￿nda Jones- repreeenting Cambndgesl4re County c￿n¢41
Ja¢kSe HanSC￿ . obsarvor from Cambrtdge Crty Counc
Rathld El Ouar8t- Bu￿r￿s &wort Manager frvrt Clk•n8 Pthlc•
Organl•atlonal Struthrn
Govemance
The organisation has ro￿ de6uipUons lor the tnjstees. the thwrnan, the vk• ch•mi•n. th• honorary tr98$wor
and Ih8 cornpany s•c*•tsry or•J Ihese we frtffi limè to time.
Good gov8rnance18 achieved through1he follmng sUb￿nm￿taè and group structure. The organSsaUon has an
Op8rallon8 Commltt8•, a StafflPer50Trn81 ComrTwttee, an 4Jp8als Comnvttee and a Research and Campaigns
Group. Each oflhe8e rep￿110the1nmIee board. The ChielExeuJlL¥e ￿tt￿dB all rne?lirw of thg sub Mmmitleas
and some of th8 w￿rkIng groups.
O￿TatIOnS Ccthn
FLmcIK)ns'. Monitorir¥J, challenging ond •pwo¥4 WtsI￿d of y•ar a￿O￿l￿r01￿t￿cc￿traC18,
tralegic and bu￿ne$S FlaMlnWsakries.
Thor• 15 8 slanthnq 1nwtstl￿ to al 8osrd M8rnbw5 lo atterKI the meel1798 of thi• ￿￿Mittee ff they 8owiÈh.
SfafflPefsonnel Ccffrffliltee
F￿¢1￿￿$.. Annual revivw of HR rnatieTs and Tewew of in swff * vohJnl8or Issues as and when
3 Appeals Committee
F￿cIN￿5.. To pr¢ce65 th$a￿in8rY 8rnJ isgjes 4th8 aprwopriate stage of the prorndure.
R•s8arch and Carwaw5 Gn)up
Ftmclions.. To detsnnine the Re8ewch and CaInp8pw￿ strategy ￿ to OV8rs8è the walNy ofthis work.
31

CAMBRIDGE & DISTRICT cmzENS ADVICE BUREAU
Trustses. Report- Structure. Governance & Management {continued)
The Chl8f Exeujth is reSpO￿lb1￿ to the Btsard..
for management. dthlopment and 51rate9ic pl
to show vlslon and1o*Jetship n tl* ¢onlinuiig d￿K1pme￿ of CCAB
to serve and adwse the truste8 boord of Dwectors n ca￿lIg out thek respo￿lbilit*$. h rnaNrtalnlTrg an
overwew ofthe orgar*saticm aTrJ in rnakwlg appropriate Stratty￿. policy and finaniya decisions.
Remuneration Pollcy.
Salarfes follow the MJC guldeThnes and thi5 Sets the (*sl oflrwrg Tises eath year. The CEO saary ts revthd by
sub group of the board whid) 1$ lod by Chair of Ihe PerSC￿ne1 (xjmrnrtlee and ¢on5ists ol th• Chair ol Ihe
Board. 2 VKe Chair and the TW￿re1.
Regulation
CCAB Is re￿ated by Ihe FIn￿dar Cor*Juct Aulhofity FRN.. 617S37
CCAB Is a qualrfbd Liwng Wage am￿0Yer
CCA81s ￿gUlated under the Admce Quah"ty St8ThJard and the m￿8Y SwvTh walty frarnework
In(*Jdon and Trninlng ol Trygtw•
New Irustee5 are provided 4Mth an 'lnthJcllon Pxk. covemg to*8 as k901 statu5 and govemwice.
Slructure. 0rganl5atic￿ an¢ staffing. f￿ar￿s. pO￿¢Y and strai8qy. They are iNl¢d to alt8nd the bureau and
obseNg service delfv8ry. In oddition, to famik8fise themse￿ with the cha￿ty •nd the context wlthln whl¢h 11
cyeral•$. new tr¢Jste8s are rylled and en¢ouraged to altend train￿9 L>>w￿S wganlmed by Cltlzens Adwc• and
lo attend spedalised trainirffJ where il 18 LxJnsidwÈd to be appfopriale.
Clllz•Tr• Advle•
Thè ¢hariiy 18 9 mgmber of CKiz8ns Athke ICAI 8nd 18 Mgulated ty Its m•mbefthp requlromert8 and rts alm6,
prlnciplgs and polkl88.
Rl•k min•g•m•nl
The Tnjstee B¢ard ha8aw>rrN•d rtsk Ma￿91)lY1¢mI $tralogy r•trkn¥ the th AsÉa88ment rggul•rfy. CCAB
has id•ntW htgh arvj n￿d￿)M le￿ oper81knrwl W rlsks In IT. HR ond FInal￿.
Rbsk8 arn Idéntlfied and •¥•h￿tt￿ In the f*)Ilwlng W￿.
Reoulw revtews are perttsm￿d by th8 TN51ee Bowd kn cAder lo 888es5 th8 lthelihood and Impa¢t, relevance of
risks. currént slrateg*s applred and Ihe str*h of the 5trateg¢es. The r•8hlu81 rlsk h Idèntified and actlon ￿an¥
are created to fwther rnitlgate fisk.
Th& Truslee Board Y8 respon5itA8 for rnwikjrkng ext•mal d￿e￿PIr￿nI8 Ih8l may irty)ad on Ihg orpanisallon.
Compr8h•nslve budgetkng systems #nd finar￿JaI rwrfng. lTrdk8te finandal perf0m￿nCe agalnst the
budg8t, •nd for￿st* ar8 rev*weil and agreed ty lh• Operations C¢)rrffiitiee tht Truslee Board.
Th• most slgnrficwrt faced by CCAB h8¥e been Kl8ntifi•d by tha Tru6tee 804rd and relate to the folhiwlng:
CEO on Img te￿ 8Kkn855 or thes
Cuts to Lo￿1 Authority I￿thng
L8ck ol the rlght quably of¥￿u￿114￿Io ffil ¥d¥Ke rotas
Informallcfi bre￿
These rfgks •r• mltigated ty.
- the introth¢ti¢n ofa Deputy CEO Post aThJ seoxKI senNJr Man•Jen￿ Fo¥1 IHead ofproiect8 ar￿ caseWc￿k)
diversifying our fundng streams
- ¢hanging our s818r￿on tranhg system
- rigorous traI￿n9. now poh'c*s. W ch8Ctory urKler GDPIi

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Trustees, Report- Structure, Governance & Management (continued)
Infomiation 46surance
An InfO￿allOn Assur￿￿ Accounting Olfttr at Board lavd has been 1d8ntlfi￿ as Dr George ReKI lo ensure that
the confidentiality, integrty and avaB8bility of 81 our sensitNe data assets are M￿ntain8d to a 18val which Is
consistent ¥￿th th8 r8qulrements of our d*nts and ow1undir￿Str8I&gK partr￿r$.
In addilion lo the intemal rlsk ana]ysls. CCAB has lkn ￿ #clfft part i) the CA membeTrhip scheme review
which has Invofved n8w Fknarthl Healh Motwtriig. L•adaBhp SdlAssesmnt aThJ Qvalty ol Admce
Assessment.
Public eenefft
Thè Trustees have ¢¢xnplied with the duty In see￿ 4 ofth8 20r￿ Charitie5 Ara to have due regard to guidance
published by .Ihe Charity CornfflissN)n *then exer￿1￿3 any powers w (Juties to whith the guidatK£ Is relevant.
CCAB provides free adwcé serv￿8 to the ger￿r* public of Cambridge and surnunding areas by the mean$ of
face- to-face. ptrbjne, ern8il and remote Iweb based) $ysteryts. The ol PL*k¢ ben&fil was ￿￿￿Wed at the
truste8s me8ting on 2" M)vember 2020. Dunng thi$ orKI tho yw a quakfying third party indemnity
0¥A￿on was in force for th• banefft Of1￿ Tnth•&

CAMBRIDGE & DISTRICT CITIZENS ADVICE BUREAU
Reference & Administratfve Details
COMPANY NUMBER
03191085 (Eng￿4 8 W￿e$)
CHARITY NUMBER
TRUSTEES
Ms J C 8¢hxon
MrABf
Dr N W 8ro*n OBE
Mr C ClaxtrTr&MrJey
M$lHFoen
I￿P￿GraY
Mr B HLmphf6y
Mr R HLmlin9.Jones
Ms Linda Jones
Dr D A L4vesey
Mrs C Uoyd.Evans
CrGAReid
Mr K Stondl
MrGEDW150n
Treasurer
ChaIrmaTr
18ppoknted 16.11.201
Iresign&d 25.11.20)
VJc* Chairman
18ppointed 15.02.21)
(appointed 17.05.211
W¢ce Chalmwn
klia Gray 18 nomknated by the Unl¥wsty cl Cambrtdgè.
COMPANY SECREfARY
Mrs R T￿b01
SENIOR STATUTORY AUDITOR
Hekna
PRINCIPAL OFFICE
Devonshlrn Rc>ad
Camt¥ldge
Cambrid￿h1
CB1 2BL
AUDITORS
Pr￿• Bawey LLP
Tennyson H(x
Cambrty Bu￿￿$S Park
Cambridge
C84 OWZ
BANKERS
88rd8y8 Bank plc
11 St Andrewa Street
CambrKlg•
C82
30UCITORS
Casle Pa
CarntrfhJg•
CB3 OAY
PATRONS
La(ty Cass
La¢ty Chadwy*Healty
Dr Parnela Raspe
caZ￿ Walshe