**Charity Registration No. 1062246**
**Company Registration No. 3324143 (England and Wales)**
## **RELATE CROSS PENNINE LTD**
**DIRECTORS’ REPORT AND ACCOUNTS FOR THE YEAR ENDED 31 MARCH 2025**
**RELATE CROSS PENNINE LTD**
## **LEGAL AND ADMINISTRATIVE INFORMATION**
|**Directors**|Anthony Perryman (Chair)|
|---|---|
||Rashda Kholwadia|
||Elisabeth Adams|
||Caroline Wright|
||Linda Dickson|
||Barbara Honey|
|**Charity number**|1062246|
|**Company number**|3324143|
|**Company Secretary**|Diane Huck|
|**Principal Address**|Acres House|
||Berry Lane|
||Keighley|
||West Yorkshire|
||BD21 1DN|
|**Independent Examiner**|Kevin J Meddings MAAT|
||Kevin Meddings Accountancy Services|
||55 Crowther Avenue|
||Calverley|
||Leeds|
||West Yorkshire|
||LS28 5SA|
|**Bankers**|Co-operative Bank plc|
||Olympic House|
||6 Olympic Court|
||Salford|
||M5 2QP|
||Cambridge & Counties Bank Limited|
||Charnwood Court|
||5b New Walk|
||Leicester|
||Leicestershire|
||LE1 6TE|
**RELATE CROSS PENNINE LTD**
## **CONTENTS**
||**Page**|
|---|---|
|Directors’ report|1 – 4|
|Independent Examiners report|5|
|Statement of financial activities|6|
|Balance sheet|7|
|Statement of Cashflows|8|
|Notes to the accounts|9 – 13|
1.
## **RELATE CROSS PENNINE LTD**
## **DIRECTORS’ REPORT** _**FOR THE YEAR ENDED 31 MARCH 2025**_
The directors present their report and accounts for the year ended 31 March 2025.
The accounts have been prepared in accordance with the accounting policies set out in note 1 to the accounts and comply with the charity’s Memorandum and Articles of Association, the Companies Act 2006 and the Charities Act 2011.
## **Objects of the charity**
This is a company limited by guarantee and is registered as a charity with the Charity Commission. The affairs of the Centre are governed by its memorandum and articles of association. The liability of the members in the event of the Centre being wound up is limited to a sum not exceeding £1. The principal activity of the Centre is to educate the public concerning the institution of marriage and other central relationships and to offer counselling to those experiencing problems with such relationships.
The charity changed its name by special resolution on 15 April 2025 to Relationship Therapy North Ltd. This was formally recognised by Companies House on 28 April 2025.
Relate Cross Pennine Ltd was one of a network of Relate Centres in England and Wales.
The Trustees confirm that they have complied with the requirements of Section 17 of the Charities Act 2011 to have due regard to the public benefit guidance published by the Charity Commission for England and Wales.
## **Chairs Report 2024 - 2025**
This has been a year of immense change for our organisation. In 2024 Relate National went into administration. The demise of Relate National has had a profound impact upon our business systems and processes. Consequently, our Leadership team has had to work incredibly hard to establish new systems and processes which I am pleased to report they have successfully achieved. Moreover, all of this work has been carried out in the background whilst ensuring we continued to operate seamlessly.
There have of course been wider implications because of Relate Nationals failure, we have not been able to use the Relate Brand, because this is now owned by another charity, Family Action. Consequently, we have had to rebrand, hence we have our new name Relationship Therapy North.
We have lost all the revenue we used to receive from Relate National, from national contracts and their website. The Board and the Leadership team have had to strategically plan for this loss of revenue to ensure our continued future organisational viability. Our issue, therefore, going forward is not the management costs (although this is always under review), but the generation of revenue. We have therefore developed the following objectives:
1. To explore different routes to market, firstly through more effective digital marketing. Secondly, to develop business relationships with funders locally and nationally.
2. To develop partnerships with likeminded charities locally and nationally to maximise potential funding opportunities.
3. To work with former, Relate Centres as a network and to use our combined strength for marketing, PR, buying, systems development, training, clinical governance and policy development.
2.
## **RELATE CROSS PENNINE LTD**
## **DIRECTORS’ REPORT** _**FOR THE YEAR ENDED 31 MARCH 2025**_
The objectives are being pursued by our Leadership team, and I am pleased to say we are making positive progress. Eg, we have engaged with a digital marketing company, who are improving our presence on google, which is critical for client awareness. We have worked in partnership with other charities for example The Cellar Trust and have been successful in a Bradford bid. We have worked in partnership with TLC, who are a former Relate centre based in Manchester. This is a partnership I am confident will deliver future positive results. The Relationship Network England and Wales, which we have joined, have created a post code finder, which is beginning to show positive client results. There are many other activities our Leadership team are confidently pursuing.
As a Board we have recognised through our financial planning process that this is going to be a tough year. There are two financial indicators that are critical for our success, our reserves and income over expenditure. To date both these indicators have been relatively stable, and this is despite a year-on-year fall in revenue. This has been achieved mainly through the prudent work of our CEO.
It is always difficult to predict the future, when there has been such seismic marketing and structural change. However, we are confident as a Board and Leadership team that we fully understand the challenges we are facing, and we have therefore planned accordingly.
Finally, can I thank you all for your hard work and dedication. This year will continue to be a year of exacting change, which we are confident will provide the foundation for our future success..
## **Reserves policy**
The directors’ policy is to build and maintain general reserves of between three and six months of operating costs. This was achieved in this financial year.
## **Investment policy**
Funds in excess of immediate requirements are invested in interest bearing accounts.
## **Risk factors**
The directors have assessed the major risks to which the charity is exposed and are satisfied that systems are in place to mitigate exposure to the major risks.
## **Treasurers Report 2024 - 2025**
I am pleased to report we have had another successful financial year, and this is despite the real marketing and structural headwinds with which we have had to contend. Nevertheless, I can confirm for the fourth consecutive year a positive income over expenditure.
This year our income over expenditure was £12,238 compared to the previous year of £42,692 a reduction of £30,454. Our income for the year was £375,590 compared with the last year of £362,824 an increase year-on-year of £12,766. You should note that in 2024 Relate National went into administration, which has had a negative impact on our revenue. Business was lost and because of Relate Nationals demise our own business systems and processes were disrupted.
Our costs have been prudently, managed by the Leadership team and were £363,352, compared with last year of £320,132, an increase of £43,220. The increased costs were driven by an inflationary rise in expenditure, though the energy saving refurbishments at Acres House were financed by a grant of £32,445 from Groundworks.
Our Reserves continue to be healthy and excluding our property represent just under 4 months of total running costs. Of this £40,000 is invested.
The forthcoming year does represent some real challenges; the board has therefore planned to breakeven. This is because we envisage a significant reduction in revenue for the first half of the year.
3.
## **RELATE CROSS PENNINE LTD**
## **DIRECTORS’ REPORT** _**FOR THE YEAR ENDED 31 MARCH 2025**_
## **Structure, Governance and Management**
Being a registered charity and a company limited by guarantee, Relate Cross Pennine Ltd is governed by a memorandum and articles of association.
New directors are appointed at our Annual General Meeting by election. Potential directors are identified by networking or by public advertisement. Wherever possible potential directors are invited to attend several Board Meetings as a non-voting observer so that, when they represent themselves to members at the AGM, they already have a good understanding of our charity’s activities and objects. New directors are offered formal training and induction and are provided with information from the Charities Commission on the role and responsibilities of Trustees.
The Board’s approach to the recruitment of directors is that each director should bring relevant skills and experience to the charity and that the make-up of the Board should, as far as is possible, be generally representative of the local population.
The Board meet on a six weekly basis to review the charity’s current activities, receive reports from staff and to determine the future strategy of the charity. The responsibility for implementing Board policy lies, in the main, with the charity’s paid manager.
## **Directors**
The trustees who are also the directors for the purpose of company law, who served during the year were:-
Susan Holmes (resigned 18 November 2024) Anthony Perryman (Chair) Rachel Kelly (resigned 3 March 2025) Emma Tupper-Carey (Treasurer) (resigned 13 February 2025) Rashda Kholwadia Elisabeth Adams Caroline Wright Linda Dickson (appointed 10 June 2024) Barbara Honey (appointed 10 June 2024)
None of the directors had any beneficial interest in the company. All of the directors are members of the company and guarantee to contribute £1 in the event of a winding up.
4.
## **RELATE CROSS PENNINE LTD**
## **DIRECTORS’ REPORT**
## _**FOR THE YEAR ENDED 31 MARCH 2025**_
## **Statement of Directors Responsibilities**
The directors of Relate Cross Pennine Ltd are responsible for preparing the Directors Annual report and accounts in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).
Company law requires the directors to prepare accounts for each financial year. Under company law the directors must not approve the accounts unless they are satisfied that they give a true and fair view of the state of affairs of the charitable company and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that period. In preparing these accounts the directors are required to:-
- select suitable accounting policies and apply them consistently;
- observe the methods and principles in the Charities SORP;
- make judgements that are reasonable and prudent;
- state whether UK accounting standards have been followed, subject to any departures disclosed and explained in the accounts; and
- prepare the accounts on a going concern basis unless it is inappropriate to presume that the charity will continue in business.
The directors are responsible for the maintenance and integrity of the charity and financial information included on the charity’s website. Legislation in the United Kingdom governing the preparation and disseminator of accounts may differ from legislation in other jurisdictions.
The directors are responsible for maintaining proper accounting records which disclose at anytime the financial position of the charitable company and to enable them to ensure that the accounts comply with the Companies Act 2006, and the Charities Act 2011. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.
## **On behalf of the board of directors**
Anthony Perryman (Chair)
Dated: 22 September 2025
5.
## **RELATE CROSS PENNINE LTD**
## **INDEPENDENT EXAMINER’S REPORT TO THE DIRECTORS OF RELATE CROSS PENNINE LTD**
I report on the accounts of the charity for the year ended 31 March 2025 set out on pages 6 to 13.
## **Respective responsibilities of directors and examiner**
The directors, who also act as trustees for the charitable activities of Relate Cross Pennine Ltd, are responsible for the preparation of the accounts. The directors consider that an audit is not required for this year under section 144(2) of the Charities Act 2011, the 2011 Act, and that an independent examination is needed.
Having satisfied myself that the charity is not subject to audit under company law and is eligible for independent examination, it is my responsibility to:
- (i) examine the accounts under section 145 of the 2011 Act;
- (ii) to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act; and
- (iii) to state whether particular matters have come to my attention.
## **Basis of independent examiner’s report**
My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and consequently no opinion is given as to whether the accounts present a “true and fair view” and the report is limited to those matters set out in the statement below.
## **Independent examiner’s statement**
In connection with my examination, no matter has come to my attention;
- (a) which gives me reasonable cause to believe that in any material respect the requirements;
- (i) to keep accounting records in accordance with section 386 of the Companies Act 2006; and (ii) to prepare accounts which accord with the accounting records comply with the accounting requirements of section 396 of the Companies Act 2006 and with the methods and principles of the Statement of Recommended Practice; Accounting and Reporting by Charities;
- have not been met; or
- (b) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
## **Kevin J Meddings MAAT**
Kevin Meddings Accountancy Services 55 Crowther Avenue Calverley Leeds West Yorkshire LS28 5SA
Dated: 7 October 2025
6.
## **RELATE CROSS PENNINE LTD**
## **STATEMENT OF FINANCIAL ACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT** _**FOR THE YEAR ENDED 31 MARCH 2025**_
|
**Unrestricted Restricted**
**funds**
**funds**
**Notes**
**£**
**£**
**Income**
Incoming resources from generated funds
Voluntary income
2
85,939
-
Incoming resources from charitable activities 3
238,774
50,175
Bank interest receivable
702
-
**Total income**
325,415
50,175
**Expenditure**
Charitable activities
4
313,177
50,175
**Total expenditure**
313,177
50,175
**Net income/**
**Net movement in funds**
12,238
-
Total funds brought forward
211,947
-
**Total funds carried forward**
224,185
-|**Total**
**2025**
**£**
85,939
288,949
702
375,590
363,352
363,352
12,238
211,947
224,185
|Total
2024
£
84,889
277,935
-
362,824
320,132
320,132
42,692
169,255
211,947|
|---|---|---|
The statement of financial activities also complies with the requirements for an income and expenditure account under the Companies Act 2006.
7.
## **RELATE CROSS PENNINE LTD**
## **BALANCE SHEET** _**AS AT 31 MARCH 2025**_
|**Notes**
**Unrestricted Restricted**
**funds**
**funds**
**£**
**£**
**Fixed Assets**
Tangible fixed assets
8
104,560
-
**Current Assets**
Debtors and prepayments
9
12,554
-
Cash at Bank and in Hand
118,799
-
**Total Assets**
235,913
-
**Creditors: Amounts Falling Due**
**Within One Year**
10
(11,728)
-
**Total Assets less Current Liabilities**
224,185
-
**The Funds of the Charity**
Unrestricted funds
224,185
-
Restricted funds
11
-
-
**Total Charity Funds**
224,185
-|**2025**
**Total**
**funds**
**£**
104,560
12,554
118,799
235,913
(11,728)
224,185
224,185
-
224,185|2024
Total
funds
£
104,560
19,876
97,234
221,670
(9,723)
211,947
211,947
-
211,947|
|---|---|---|
The company is entitled to the exemption from the audit requirement contained in section 477 of the Companies Act 2006, for the year ended 31 March 2025. No member of the company has deposited a notice, pursuant to section 476, requiring an audit of those accounts.
The directors acknowledge their responsibilities for ensuring that the company keeps accounting records which comply with section 386 of the Act and for preparing accounts which give a true and fair view of the state of affairs of the company as at the end of the financial year and of its incoming resources and application of resources , including its income and expenditure, for the financial year in accordance with the requirements of section 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to accounts, so far as applicable to the company.
These accounts have been prepared in accordance with the provisions applicable to companies subject to small companies regime.
The accounts were approved by the board on 22 September 2025
And signed on their behalf by
Anthony Perryman (Chair)
**Company Number 3324143**
8.
## **RELATE CROSS PENNINE LTD**
## **STATEMENT OF CASHFLOWS** _**AS AT 31 MARCH 2025**_
|**Notes**
**Cash generated from operating activities**
12
Cash equivalents at the beginning of the year
**Total cash equivalents at the end of the year**|**2025**
**£**
21,565
97,234
118,799|
|---|---|
9.
## **RELATE CROSS PENNINE LTD**
## **NOTES TO THE ACCOUNTS** _**FOR THE YEAR ENDED 31 MARCH 2025**_
## 1 **Accounting policies**
## a. **Accounting Convention**
The accounts are prepared under the historical cost convention unless otherwise stated.
The accounts are prepared in accordance with Accounting and Reporting by Charities; Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) published on 16 July 2014, the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS102) the Charities Act 2011, the Companies Act 2006 and UK Generally Accepted Accounting Practice as it applies from 1 January 2015.
The charity constitutes a public benefit entity as defined by FRS102.
Having considered future planned activities and the reserves available to the charity the directors are satisfied that the financial statements should continue to be prepared on the going concern basis.
## b. **Incoming Resources**
Donations and legacies are included in full in the Statement of Activities (SOFA) when receivable.
Fees and charges, room hire and all other related income is accounted for when received by the charity.
Income from investments is included in the year in which it is receivable.
Revenue grants for specific projects are credited to the Statement of Financial Activities when received and unspent amounts are carried forward in the form of restricted reserves.
- c.
## **Resources Expended**
Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be recovered and is reported as part of the expenditure to which it relates. These include those costs incurred by the charity in the delivery of its activities and services for beneficiaries.
## d. **Taxation**
As a registered charity the company benefits from rates relief and is generally exempt from income tax and capital gains tax but not from VAT. Irrecoverable VAT is included in the cost of those items to which it relates.
## e. **Tangible Fixed Assets**
## **Freehold property:**
No depreciation is charged:
The trustees do not consider depreciation charges on this asset to be material as the residual value, based on prices at the time of acquisition, is not materially different from the carrying amount of the asset.
## **Fixtures, fittings, office equipment and library**
Depreciated at 20% straight line
It is the policy of the charity to only capitalise individual items costing in excess of £2,000.
10.
## **RELATE CROSS PENNINE LTD**
## **NOTES TO THE ACCOUNTS** _**FOR THE YEAR ENDED 31 MARCH 2025**_
- f. **Fund accounting**
- Unrestricted funds are available to spend on activities that further any of the purposes of the charity.
- Restricted funds are subject to specific conditions by donors as to how they may be used.
- g. **Pensions** The charity pays contributions into Smart Pension Ltd which is a defined contribution master trust pension scheme and also on behalf of one employee pays directly into their own private pension scheme.
2. **Incoming resources from generated funds**
|**Voluntary income**
**Grants:**
Bradford District Care NHS Foundation Trust
Bradford District Care NHS Foundation Trust (IAPT)
**Donations:**
Charles & Elsie Sykes Trust
Ilkley Charitable Trust
Denholme Crafters’ Club
Yorkshire Building Society|**2025**
**£**
36,814
45,525
2,000
1,400
200
-
85,939|2024
£
36,814
45,525
2,000
-
-
550
84,889|
|---|---|---|
3. **Incoming resources from charitable activities**
|**Unrestricted**
**Restricted**
**£**
**£**
Client contributions for core work
172,813
-
Invoiced income for young peoples work
29,442
-
Room hire
2,617
-
Fund raising
2,003
-
Contract income
31,899
-
238,774
-
**Restricted funds: Grants receivable**
Bradford MDC Time To Talk Young
Peoples Counselling Service
-
17,730
Groundworks
-
32,445
238,774
50,175
|**2025**
**£**
172,813
29,442
2,617
2,003
31,899
238,774
17,730
32,445
288,949|2024
£
175,234
33,692
2,161
880
30,508
242,475
35,460
-
277,935|
|---|---|---|
11.
## **RELATE CROSS PENNINE LTD**
## **NOTES TO THE ACCOUNTS** _**FOR THE YEAR ENDED 31 MARCH 2025**_
|4.
**Charitable activities**
Salaries and NICs
Travel expenses
Training and supervision
Counsellor Salaries and NICs
Pension costs
Payroll charges
Federation fees
-
Light and heat
Rent, rates and water
Insurance
Repairs, renewals and refurbishments
Phone, postage and stationery
Advertising, printing & publicity
Cleaning
Office costs
Subscriptions and zoom licences
Electronic banking charges
Independent examination
Consultancy Fees
DBS checks
Legal fees|**2025**
**£**
131,698
2,431`
4,515
125,109
2,762
2,622
19,517
6,341
14,855
4,292
34,497
3,300
320
1,893
2,456
347
1,590
1,550
2,762
286
209
363,352
|**2024**
£
115,661
3,762
404
135,604
3,149
2,214
15,437
7,706
11,630
4,199
2,341
6,091
1,447
1,843
2,384
341
2,077
1,500
1,850
492
-|
|---|---|---|
|||320,132|
## 5. **Directors**
We can confirm that one of the directors was paid £75 for Supervision work (2024: None). We can confirm that there are no related party transactions that require disclosure in the accounts.
## 6. **Employees**
|**2025**
**Number**
The average number of employees (including part time) during the year was
31
**Employment costs**
**2025**
**£**
Wages and salaries
251,738
Social security costs
5,069
Pension costs
2,762
259,969|2024
Number
26
2024
£
245,089
6,176
3,149
254,414|
|---|---|
There were no employees whose annual emoluments were £60,000 or more (2024: None)
12.
## **RELATE CROSS PENNINE LTD**
## **NOTES TO THE ACCOUNTS** _**FOR THE YEAR ENDED 31 MARCH 2025**_
## 7. **Defined Contribution Pensions and other post-retirement benefit commitments**
|**2025**
**£**
Contributions payable by the charity during the year
2,762
8.
**Tangible Fixed Assets**
**Freehold**
**Property**
**£**
**Cost**
At 1 April 2024
And
At 31 March 2025
104,560
|2024
3,149
**Total**
**£**
104,560|
|---|---|
The freehold property, Acres House, Berry Lane, Keighley, BD21 1DN was revalued on 24 July 2017 by Mark Williams MRICS of Dacres Commercial. The market value at that date was £175,000. This revaluation has not been included in the accounts so as to comply with the rules of the Financial Reporting Standard (FRS 102).
|9.
**Debtors**
Trade debtors
Other debtors
Prepayments|**2025**
**£**
12,140
55
359
12,554|2024
£
18,342
-
1,534
19,876|
|---|---|---|
## 10. **Creditors: amounts falling due within one year**
|Trade creditors
Taxation and Social Security
Accruals|**2025**
**£**
6,729
3,449
1,550
11,728|2024
£
4,715
3,508
1,500
9,723|
|---|---|---|
13.
## **RELATE CROSS PENNINE LTD**
## **NOTES TO THE ACCOUNTS** _**FOR THE YEAR ENDED 31 MARCH 2025**_
## 11. **Restricted funds**
.
|||**Movement in funds**|**Movement in funds**||
|---|---|---|---|---|
||**Balance at**|**Incoming**|**Resources**|**Balance at**|
||**1 April 2024**|**resources**|**expended 31 March 2025**||
||**£**|**£**|**£**|**£**|
|Bradford MDC Time To Talk|||||
|Young Peoples Counselling Service|
-|17,730|(17,730)|-|
|Groundworks|-|32,445|(32,445)
|-|
||-|50,175|(50,175)
|-|
## **Bradford MDC Time To Talk Young Peoples Counselling Service**
Funding for counselling for young people aged 11-24 in the Bradford and Craven area who are unhappy, anxious or worried because of difficulties in their home, school or personal lives.
## **Groundworks**
Grant funding to enable energy saving refurbishments at Acres House.
## 12. **Reconciliation of net movement in funds to net cashflow from operating activities**
|Net movement in funds
Decrease/(increase) in debtors
Increase/(decrease) in creditors
**Net cash generated from operating activities**|**2025**
**£**
12,238
7,322
2,005
21,565|2024
£
42,692
(7,619)
(1,358)
33,715
|
|---|---|---|