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2021-03-31-accounts

COMPANIES HOUSE REGISTERED N0: 3008942

CHARITY REGISTERED NUMBER: 1067128

SOUTH EAST LONDON FAMILY MEDIATION BUREAU DIRECTORS' AND TRUSTEES' REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

KEMPTON EMSDEN & CO.

CHARTERED ACCOUNTANTS 34 NAPIER ROAD BROMLEY KENT BR2 9JA

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

LEGAL AND ADMINISTRATIVE INFORMATION

Company Number: 3008942
Registered Charity Number: 1067128
Directors: Mr Stephen Hodges
Mr Julian Gibson - resigned 9.12.2020
Mr Michael Carpenter
Mrs Pauline Pierce - appointed 9.12.2020
Secretary: Mr David Ely J.P MBA Banking
Registered Office: The Stables,
1 North Street,
Bromley, Kent
BR1 1SD
Accountants: Kempton Emsden & Co.
Chartered Accountants
34 Napier Road
Bromley
Kent
BR2 9JA

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

FOR THE YEAR ENDED 31 MARCH 2021

CONTENTS

Page
Trustees' Report 1
Independent Examiner's Report 5
Statement of Financial Activities 6
Detailed Analysis of Funds 7
Balance Sheet 8
Notes 9
Income and Expenditure Account 15

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

TRUSTEES' ANNUAL REPORT

FOR THE YEAR ENDED 31 MARCH 2021

The Trustees present their report and the financial statements of the charity for the year ended 31 March 2021. The trustees have adopted the provisions of the Statement of Recommended Practice (SORP) "Accounting and Reporting by Charities" (FRS102) in preparing the annual report and financial statements of the charity.

Structure, Governance and Management

Governing document

The organisation is a charitable company, limited by guarantee, and is governed by its Memorandum and Articles of Association dated 30[th] November 1994.

The company has to comply with the Companies Act 2006 and related SORP.

Organisation and Management

The day to day management of the South East London Family Mediation Bureau is the responsibility of the Service Manager.

The South East London Family Mediation Bureau has three Trustees (one of which is the Chair) and a Company Secretary.

An Executive Committee consists of the three Trustees, Company Secretary, Service Manager and other individuals experienced in family dispute matters and local authority work. The Executive meets at least four times a year including the Annual General Meeting, usually held in October. The Chair of the Bureau is Chair of the Executive Committee.

The Finance and General Purposes Committee is made up of at least three members of the Executive Committee, including the Chair, Company Secretary and the Service Manager. It is chaired by a trustee who is not chair of the Executive Committee. It meets 4-6 times a year, ordinarily two weeks before the Executive Committee. It works closely with the Service Manager to oversee the administration and finances of the bureau. It makes recommendations to the Executive Committee.

Due to the pandemic the Executive Committee has not met face to face this year but has been kept informed by minutes of the Finance and General Purposes Committee who met on Zoom typically every 4 weeks, with 9 meetings in the year.

The bureau is fortunate to have His Honour Judge Atkins, from the Croydon Family Court, as its President. He presides over the Annual General Meeting and is kept aware of bureau activities by receiving minutes of meetings and regular volume and financial summaries.

Meeting minutes are formally recorded and made available to all committee members.

Risk Policy

The trustees have examined the major strategic, business and operational risks which the charity faces and confirm that systems have been established to enable regular reports to be produced so that necessary steps can be taken to lessen those risks.

Objectives and Activities

The company was established firstly, to provide a mediation service to separated parents who are in dispute over contact and residence arrangements for their children and secondly, to facilitate the settlement of differences arising from family breakdown in relation to financial and property matters and the like.

Achievements and Performance

This financial year has been dramatically affected by the COVID pandemic with a need to completely rethink our method of operation and our finances. This is reflected in the volume of business undertaken and our financial

Page 1

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

TRUSTEES' ANNUAL REPORT

FOR THE YEAR ENDED 31 MARCH 2021

position. This impact was felt initially from the last few months of the previous financial year, a short while after our new Service Manager, Ruth Bryan, took over the role at the bureau. This worsened in the first 3 months of this financial year. This obliged us to take a number of actions.

In the Financial Review you will note we obtained a local authority grant, National Lottery grants and a Bounce Back loan from our bank. Combining these actions with cuts in expenses by support from suppliers, our landlord and other sources, we restructured the business and completed a successful year financially.

During the course of the financial year ending 31[st] March 2021 South East London Family Mediation Bureau undertook each month an average of 48 Private Client Mediation Information and Assessment Meetings (MIAMs) and 42 Mediation Sessions made up of 18 Property and Finance, 16 All Issues and 8 Child Issues. Private MIAMs were down 40% and private mediation sessions were down 16%. Meanwhile, as a result of COVID -19, there was a substantial increase in the number of legal aid MIAMs and mediations during the year. This reflects the increased numbers of clients claiming Universal Credit or other benefits and an increase in Child Issues cases/reduction in property and finance cases as well as some LAA changes to regulations regarding mortgage limits for equity calculations.

We have seen a significant overall increase in numbers of both MIAMs and mediation sessions compared with previous years. The conversion rate from MIAMs to mediations also increased markedly. Average total monthly income including vat has risen from £17,900 to £18,600 including an average of £7,600 (up from £3,800) from legal aid work. Although the impact of the first lockdown resulted in a fall in demand for the first 3 months of the year the average income for the last 6 months is £21, 252, including average Legal Aid income of £9,829. The first quarter of the financial year was heavily affected by the COVID-19 impact on our operations.

The Service Manager, who started in October 2019, has spent considerable effort on staffing and systems issues. We have a new staff complement and recently installed a new case management system “Progress” from Protocol which enables the mediators and office team to work more efficiently whether working remotely or in the office. The bureau uses the services of nine independent session mediators to undertake mediation activities.

Financial Review

Net income of £205,019 and expenses of £182,727 gave a surplus of £22,292; the directors expected a surplus of £10,000 but actions to accommodate pandemic and an increase in demand affecting most of year has lead to almost double our expectation.

We obtained funds from a number of new sources during the year:

We reduced expenses during the year, major items:

Other key initiatives during year:

Page 2

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

TRUSTEES' ANNUAL REPORT

FOR THE YEAR ENDED 31 MARCH 2021

Over the last eight financial years we have moved from an operating loss of £39,695 (2014), surplus £5,835 (2015), surplus £14,999 (2016), loss £5,503 (2017), surplus £6,519 (2018), loss £11,060 (2019), surplus £9108 (2020) and surplus of £22,292 (2021).

Our negative financial year end positions were £29,019 (2014), £23,256 (2015), £8,257 (2016), £13,760 (2017), £7,241 (2018), £18,301 (2019), £9,193 (2020) and a positive position of £13,099 in 2021. Directors Loans of £8,000 were repaid in July.

We do not hold reserves but any excess funds are kept on deposit with our bank.

Plans for Next Year

Plans for 2021-2022 are to continue actions taken last year.

We will continue to concentrate on tight cash management with monthly projections to the Finance and General Purposes Committee. Minutes of those meetings will be shared with the full Executive Committee but we do expect to restart face to face meetings which have not been possible during pandemic.

The use of ZOOM for MIAMs and Mediations widened the catchment area because there is minimal need to attend our office in Bromley to see mediators. We will capitalise on this by continuing to provide both office and video based offerings.

We expect to capitalise further with an excellent new staff complement and recently installed a new case management system enabling the mediators and the administration team to work more efficiently from either home or the office.

The NatWest Bounce Back Loan of £50,000 will provide a cushion for any further economic impacts. Repayments started in August 2021 and we will review the need to maintain this facility on an annual basis.

We will utilise the Government backed Mediation Support Scheme where clients can apply for up to £500 towards mediation costs. We will charge the client the reduced fee and claim back from the Ministry of Justice.

The Trustees are grateful to the mediators for their unceasing loyalty and their ability to accommodate new ways of working, the administration team for their tireless efforts in very challenging times and conditions and the Executive Committee for their guidance and support throughout the year. We know there will always be other challenges as we adjust to life after the pandemic. We are confident that the combined efforts of all involved will see us continue to grow and prosper.

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SOUTH EAST LONDON FAMILY MEDIATION BUREAU

TRUSTEES' ANNUAL REPORT

FOR THE YEAR ENDED 31 MARCH 2021

We have an excellent new administration team which continues to rise to challenges.

Over the first few months of the 2021/22 financial year we have seen a further increase in Legal Aid largely from the impact of the pandemic. Counting private mediations, grants and legal aid we are seeing average monthly income including vat of over £25,000. We find this encouraging and we look to the future with confidence.

Trustees' responsibilities in relation to the financial statements

The directors are responsible for preparing the Directors' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the directors to prepare financial statements for each financial year , which give a true and fair view of the state of the affairs of the charitable company and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for the year. In preparing these financial statements, the directors are required to:

The directors are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charitable company and enable them to ensure that the financial statements comply with the Companies Act 2006. 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.

This report was approved by the board of directors and trustees on 17[th] November 2021 and signed on its behalf.

......................................................... DAVID ELY Trustee.

Page 4

INDEPENDENT EXAMINER'S REPORT

TO THE TRUSTEES OF SOUTH EAST LONDON FAMILY MEDIATION BUREAU

FOR THE YEAR ENDED 31 MARCH 2021

I report to the charity trustees on my examination of the accounts of the company for the year ended 31 March 2021 which are set out on pages 6 to 14.

Responsibilities and basis of report

As the charity trustees of the company (and also its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').

Having satisfied myself that the accounts of the company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your company's accounts as carried out under section 145 of the Charities Act 2011 (the 2011 Act). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

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

  1. accounting records were not kept in respect of the company as required by section 386 of the 2006 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the accounting requirements of section 396 of the 2006 Act other than any requirement that the accounts give a 'true and fair view' which is not a matter considered as part of an independent examination; or

  4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102).

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

........................................ Dated: 17[th] November 2021 Kempton Emsden & Co. Chartered Accountants 34 Napier Road Bromley Kent BR2 9JA

Page 5

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

STATEMENT OF FINANCIAL ACTIVITIES

FOR THE YEAR ENDED 31 MARCH 2021

Restricted Total Total
Unrestricted Income Funds Funds
Funds Funds 2021 2020
£ £ £ £
Income and endowments from:
Donation - - - 384
Charitable activities 176,394 12,020 188,414 179,719
Investments 3 - 3 7
Other income 16,602 - 16,602 -
––––––– ––––––– ––––––– –––––––
Total income and endowments 192,999 12,020 205,019 180,110
––––––– ––––––– ––––––– –––––––
Expenditure on:
Charitable activities 69,754 - 69,754 59,279
Other 112,973 - 112,973 111,723
––––––– ––––––– ––––––– –––––––
Total resources expended 182,727 - 182,727 171,002
––––––– ––––––– ––––––– –––––––
Net movement in funds 10,272 12,020 22,292 9,108
Gross transfers between funds 12,020 (12,020) - -
Total funds brought forward £ (9,193) £ - £ (9,193) (18,301)
––––––– ––––––– ––––––– –––––––
Total funds carried forward £ 13,099 £ - £ 13,099 £ (9,193)
======= ======= ======= =======

All income and expenditure derive from continuing activities.

Page 6

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

STATEMENT OF FINANCIAL ACTIVITIES

DETAILED ANALYSIS OF MOVEMENTS IN FUNDS

FOR THE YEAR ENDED 31 MARCH 2021

2021 2020
£ £ £ £
General Fund
General Fund - opening balance (9,193) (18,301)
Surplus for the year 10,272 9,108
Transfer from National Lottery
Community Fund 12,020 -
––––––– –––––––
13,099 (9,193)
National Lottery Community Fund
Grant income 12,020 -
Transfer to General Fund (12,020) -
––––––– –––––––
- -
––––––– –––––––
Total funds at 31 March 2021 £ 13,099 £ (9,193)
======= =======

Page 7

COMPANY NUMBER: 3008942

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

BALANCE SHEET

AT 31 MARCH 2021

Note 2021 2020
£ £ £ £
Tangible fixed assets
Tangible assets 7 6,026 2,569
Current assets
Debtors 8 29,784 12,384
Bank accounts 65,920 12,852
Cash accounts 162 162
––––––– –––––––
95,866 25,398
Creditors
Amounts falling due within
one year 9 45,104 37,160
––––––– –––––––
Net current assets/(liabilities) 50,762 (11,762)
––––––– –––––––
Total assets less current liabilities 56,788 (9,193)
Creditors
Amounts falling due
after more than one year 9 (43,689) -
––––––– –––––––
Net assets/(liabilities) £ 13,099 £ (9,193)
======= =======
Capital funds
Unrestricted funds 13,099 (9,193)
––––––– –––––––
Total funds £ 13,099 £ (9,193)
======= =======

For the year ending 31 March 2021 the company was entitled to exemption from audit under section 477 of the Companies Act 2006.

Directors' responsibilities:

The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476;

The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

These financial statements have been prepared in accordance with the special provisions relating to the small companies regime within Part 15 of the Companies Act 2006). Approved by the trustees on 17[th] November 2021 and signed on their behalf.

...................................................

S. HODGES Director

The annexed notes form part of these financial statements.

Page 8

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

1. Accounting policies

The charity constitutes a public benefit entity as defined by FRS 102. The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102) issued on 16 July 2014 (as updated through Bulletin 1 published on 2 February 2016 and Update Bulletin 2 published on 5 October 2018) the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS102), the Companies Act 2006 and UK Generally Accepted Practice.

The financial statements are prepared on a going concern basis under the historical convention (modified to include certain items at fair value). The financial statements are presented in sterling which is the functional currency of the charity and rounded to the nearest pound.

The significant accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all years unless otherwise stated.

Incoming resources

All incoming resources are included in the SOFA when the charity is legally entitled to the income and the amount can be quantified with reasonable accuracy.

Resources expended

All expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all costs related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with use of the resources.

Turnover

Turnover represents grants and fees receivable by the Company in the course of its work.

Tangible fixed assets and depreciation

Tangible fixed assets are stated at cost less depreciation and impairment. Depreciation is provided at rates calculated to write off the cost less estimated residual value of each asset over its expected useful life, as follows:

Computer equipment - 33% per annum reducing balance Mediation software - 33% per annum straight line Office equipment - 20% per annum reducing balance

Page 9

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the trustees for particular purposes. Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the charity for particular purposes. The aim and use of restricted funds are set out in the notes to the financial statements.

Leasing

Rentals payable under operating leases are charged to the income and expenditure account on a straight line basis over the period of the lease.

Pension costs

The company operates a defined contribution pension scheme and the pension charge represents the amounts payable by the company to the fund in respect of the year.

Grants received

Grants are recognised at fair value, and as income when the charity has complied with the conditions attaching to them. Grants received before the revenue recognition criteria are satisfied are recognised as a liability.

Debtors

Known bad debts are written off and provision is made for any debtors considered to be doubtful.

Financial instruments

The charity has financial assets and liabilities that qualify as basic financial instruments. Basic financial instruments are initially recognised at cost and subsequently measured at amortised cost using the effective interest method.

Page 10

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

2. Income

Income
Restricted
Unrestricted Income Total Total
Funds Funds Funds Funds
2021 2021 2021 2020
£ £ £ £
Donations and legacies
Donation - - - 384
––––––– ––––––– ––––––– –––––––
- - - 384
––––––– ––––––– ––––––– –––––––
Charitable activities
Legal Aid Agency grants 76,106 - 76,106 34,078
AIM receipts - private 22,329 - 22,329 41,991
Mediation information/assessment meetings
33,000
- 33,000 56,409
Child issues mediation clients 12,096 - 12,096 9,049
Property and finance receipts 29,398 - 29,398 32,844
Court forms receipts 3,385 - 3,385 4,413
Mediation experience receipts 80 - 80 935
Grant income – National Lottery
Community Fund - 12,020 12,020 -
––––––– ––––––– ––––––– –––––––
176,394 12,020 188,414 179,719
––––––– ––––––– ––––––– –––––––
Other trading activities
––––––– ––––––– ––––––– –––––––
- 12,020 12,020 -
––––––– ––––––– ––––––– –––––––
Investment income
Bank interest receivable 3 - 3 7
––––––– ––––––– ––––––– –––––––
3 - 3 7
––––––– ––––––– ––––––– –––––––
Other income
Covid Job Retention Scheme grants 6,602 - 6,602 -
Local authority grant 10,000 - 10,000 -
––––––– ––––––– ––––––– –––––––
16,602 - 16,602 -
––––––– ––––––– ––––––– –––––––

Page 11

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

3. Expenditure on charitable activities
2021 2021 2020
£ £ £
AIM mediation fees and expenses 35,682 26,901
MIAM assessment claims 31,516 32,318
Software depreciation 1,970 -
Software training 550 -
Other mediation costs 36 60
––––––– –––––––
69,754 59,279
======= =======
4. Other costs
2021 2021 2020
£ £ £
North Street expenses 18,624 22,164
Book-keeping services 3,421 2,769
Training costs - 1,000
Insurance 1,050 1,249
Computer maintenance 6,323 4,274
Subscriptions 1,634 3,567
Bank charges 1,797 2,658
Sundry expenses 985 488
Bad debts - 65
Staff salaries 73,494 68,618
Employer's NIC 1,308 1,095
Employer's pension contributions 2,054 1,678
Depreciation 833 1,050
Loss on disposal of fixed assets 50 48
Accountancy 1,400 1,000
––––––– –––––––
112,973 111,723
======= =======
5. Surplus before tax
2021 2020
£ £
This is stated after charging:
Accountancy 1,400 1,000
Depreciation of owned assets 833 1,050
Loss on disposal of fixed assets 50 48
Pension costs 2,054 1,678
======= =======

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SOUTH EAST LONDON FAMILY MEDIATION BUREAU

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

6. Staff costs

The average number of persons employed by the company, including directors, during the year was as follows:

2021 2020
Administration 5 5
====== ======
The aggregate payroll costs of these persons were as follows:
2021 2020
£ £
Wages and salaries 73,494 68,618
Social security 1,308 1,095
Other pension costs 2,054 1,678
–––––– ––––––
£76,856 £71,391
====== ======
7. Tangible fixed assets
Fixtures
and
Fittings
£
Cost:
At 1 April 2020 9,569
Additions 6,310
Disposals (1,909)
––––––
At 31 March 2021 13,970
––––––
Depreciation:
At 1 April 2020 7,000
Charge for the year 2,803
On disposals (1,859)
––––––
At 31 March 2021 7,944
––––––
Net book value:
At 31 March 2021 £ 6,026
======
At 31 March 2020 £ 2,569
======

Page 13

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

NOTES TO THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

8. Debtors and prepayments

Amounts falling due within one year:

Amounts falling due within one year:
2021 2020
£ £
Other debtors 25,130 8,121
Prepayments 4,654 4,263
–––––– ––––––
£29,784 £12,384
====== ======
Creditors
Amounts falling due within one year:-
2021 2020
£ £
Bank loan 6,311 -
Sundry creditors 21,803 25,658
VAT liability 13,686 9,505
PAYE and NIC 1,703 996
Accruals and deferred income 1,601 1,001
––––––– –––––––
£ 45,104 £ 37,160
======= =======
Amounts falling due after more than one year:-
Bank loan 43,689 -
======= =======

9. Creditors

The bank loan is repayable by 60 monthly instalments commencing on 14 August 2021 with an interest rate of 2.5 % per annum.

10. Related party transactions

Loans from the directors totalling £8,000 were repaid during the year. The directors do not receive remuneration, benefits or expenses from the charity.

11. Financial commitments

The charity had total commitments at the balance sheet date of £13,750 (2020: £28,750).

12. Restricted Funds

The National Lottery Community is a restricted fund raised to provide families with low or nil cost mediation at the discretion of the service manager. Usage of the funding is transferred to income on a monthly basis and the remaining grant balance is included in creditors.

Page 14

SOUTH EAST LONDON FAMILY MEDIATION BUREAU

INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED 31 MARCH 2021 FOR THE YEAR ENDED 31 MARCH 2021
2021 2020
£ £ £ £
Turnover
Donation - 384
Legal Aid Agency grants 76,106 34,078
AIM receipts - private 22,329 41,991
Mediation information/assessment meeting
33,000 56,409
Child issues mediation clients 12,096 9,049
Property and finance receipts 29,398 32,844
Court forms receipts 3,385 4,413
Mediation experience receipts 80 935
Bank interest receivable 3 7
Covid Job Retention Scheme grants 6,602 -
Local authority grant 10,000 -
National Lottery grant 12,020 -
–––––––– ––––––––
205,019 180,110
Resources Expended
Staff costs 76,856 71,391
AIM mediation fees and expenses 35,682 26,901
MIAM assessment claims 31,516 32,318
Software depreciation 1,970 -
Software training 550 -
Other mediation costs 36 60
North Street expenses 18,624 22,164
Book-keeping services 3,421 2,769
Training costs - 1,000
Insurance 1,050 1,249
Computer maintenance 6,323 4,274
Subscriptions 1,634 3,567
Bank charges 1,797 2,658
Sundry expenses 985 488
Bad debts - 65
Accountancy charges 1,400 1,000
Depreciation 883 1,098
–––––––– ––––––––
(182,727) (171,002)
–––––––– ––––––––
Net income over expenditure for the year
£
22,292 £ 9,108
======= ========

Page 15