REGISTERED COMPANY NUMBER: 03509538 (England and Wales)
REGISTERED CHARITY NUMBER: 1073926
OFtrIc.E COPY
Af%'b F;.
REPORT OF THE TRUSTEES AND
AUDITED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 3 1ST MARCH 2025
FOR
BIRMINGHAM & SOLIHULL WOMEN'S AID
A COMPANY LIMITED BY GUARANTEE
Fr¢nch Ludlam & Co Limited
Statutory Auditors and Accountants
Mountfield House
661 High Street
Kingswinford
West Midlands
DY6 8AL

BIRMINGHAM & SOLIHULL WOMEN'S AID
CONTENTS OF THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31ST MARCH 2025
Page
Chair's Report
Report of the Trustees
Report of the Independent Auditors
8 to 11
Statement of Financial Activities
12
Statement of Financial Position
13
Statement of Cash Flows
14
Notes to the Statement of Cash Flows
15
Notes to the Financial Statements
16 to 28

BIRMINGHAM & SOLIHULL WOMEN'S AID
CHAIR'S REPORT
FOR THE YEAR ENDED 31ST MARCH 2025
The Board of Trustees is pleased to present its annual r¢port together with the financial statements for the year ending
31st of March 2025. which have be¢n prepared to meet the requirements for a director's report and accounts for
companies act purposes.
The 'perf¢ct storm, I have described previously, of overstretched statutory and voluntary services, reduced budgets and
cuts to services, particularly those ￿nded by Birniingham City Council, continuing cost of living pressur¢s, and rising
inequality cam¢ home to roost during 2024125, as we and other service providers were forced to re-tend¢r for many core
servic¢s at redu¢¢d levels of ￿lldIng. Our funders had to make significant savings, leading to a shortfall of resources
and difficult decisions for us as s¢rvi¢¢ providers. I would like to pay tribute to our workforce who again showed their
ongoing commitment to th¢ women and children we serve, making sacrifices to maintain services even when facing
difficult times themselves. The board is indebted to them all.
Nevertheless. the demand for our services continued to grow and we did have to make some redundancies and
reconfigure some serYAces, whilst working to maintain the quality and reach of the majority of our offer. Recruitment
challenges continue to make even more demands on our staff and other resources. Our efforts to strengthen
organis&tional capacity continue. At board level, the t￿SteeS continued our work to ensure our govemance is fit for the
21st century, with a board that can effectively support management colleagu¢s in leading an organisation able to
respond and innovate in the face of continuing and increasing need.
By y¢ar end, the boaTd had alinost covnpleted its governance improvement plan, with a fi]11 suite of up-to-date policies
and documentation to guide us, aiid clear plans to fonnalise our board and I￿stee appraisal and perforniance
management processes. More t￿SteeS took on additional responsibilities outside of board meetings, including
committee membership, enabling us to enhance individual and collective understanding of and engagement with the
wider organisation. Our commitment to diversity equality and inclusion remains as strong as ever, equipping us to meet
the diverse needs of the women who need our services.
Effective partnerships remain essential to mitigate the pressures BSWA faces and to strengthen the whole system that
supports women and children in staying safe and rebuilding lives. I would like to take this opportunity to thank my
colleague trustees, Tnanagers, staff, volunteers and partners who together contributc to th¢ delivery of high-quality
provision and support to women and children affected by violence and abuse.
Patricia McCab¢, Chair of the Board of Trustees
16th Sept¢mber 2025
Pag¢ I

BIRMINGHAM & SOLIHULL WOMEN'S AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST MARCH 2025
The trustees who are also directors of the charity for the purposes of the Companies Acl 2006, present their report with
the financial ststements of the charity for the year ended 31 st March 2025. The tnJst¢es have adopted the provisions of
Accounting and Reporting by Charities.. Statement of Recommended Practice applicable to Charities preparing their
accounts in accordance with the Financial Rworting Standard applicable in the UK and Republic of Ir¢land (FRS 102)
(effective l January 2019).
OBJECTIVES AND ACTIVITIES
Vision
To create space for women and children subjected to abuse to be safe. take action and be in control. and to build a
society where violence against women and children no longer exists through d¢v¢loping understanding. Challenging
inequality and inspiring change.
Values
- Trust and Integrity
Belonging and Inclusion
- Openness and Accountability
- Services run by women for women
Culture
Our commitment to all of the women and children we work with. and to the women that work h¢r¢ is:
We listen
We believe your experiences of abuse
We prioritise your safety
- We do what we say
We continually learn
- We recognise your strength
Charitable Objeetives
In line with our governing document, BSWA provides specialist support to women, children, and young people affected
by domestic and sexual violence through refuge accommodation, cornmunity outreach, early intervention. prevention,
and advocacy.
Public Benefit
The Trustees confiTm they have complied with the duty in section 17 of the Charities Act 2011 to have due regard to the
Charity Commission's guidance on public benefit.
Beneficiaries of our services
BSWA beneficiaries are women, children and young people subject to domestÉc and sexual violence.
Equality
We will embed anti-discriminatory practice and challenge inequality in all that we do.
Influence
We will use our expertise as leading domestic abuse specialists to build the understanding that drive5 cultural change.
Profile
We wtll tell our story and engage others to secure the resources. r￿ognItIon and support necessary to ¢nable us to
achieve our vision.
Page 2

BIRMINGHAM & SOLIHULL WOMEN'S AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST MARCH 2025
OBJECTIVES AND ACTIVITIES
Structure, Governance and Management
Governance
The Board operates in line with the Charity Governanee Code and the RACE Code. During the year, the Board
implernented its Governance Improvement Plan, updating governance documentation, revising the Risk Register and
assurance framework, and clarifying the expectations of Trustees.
Stsnding committees of the Board include..
- Nominations and Remuneration Committee - oversees Trustee recruitm¢nt, induction, and perforniance.
Finance and Audit Committee - monitois financial perforniance and risk.
Trustee ReeruRtment, Induction and Training
Skills audits are conducted regularly, and new Trustees are recruited to ¢nsure the Board reflects the diversity and skills
required to lead the organisation. New Trustees receive an induction pack and spend time with the Chair, CEO. and
senior staff. Ongoing training includes safeguarding. GDPR. cyb¢r s¢curity, and flnance.
Management
The day-to-day management of the charity is delegated to the CEO, SUPPOTted by the Senior Leadership Team. The
CEO has ready access to the Chair and other trustees. Trusle¢s r¢main infomied through regular project visits. taking
the opportunity to view our buildings. and engage with s¢rvi¢¢ users 2nd staff.
Management Structure
Board of Trustees
CEO
Head of
Accommodation
Head of Community-
Based Services
Head of InteNention
and Prevention
Head of Finance and
Performance
Safeguarding
Safeguarditsg is a core responsibility of all Trustees, supported by a lead Trustee for safeguarding who works clos¢ly
with the Designated Safeguarding Lead. Safeguarding audits are conducted annually and reported to the Board.
Inclusion
Our commitment to inclusion is reflected in our trustee recrnitment practice. resulting in 60D/o of trustees are BAME and
200/0 lesbian. 550/0 of BSWA'S staff workforce are BAME. This 15 in comparison to approx. 52% of the population of
the area according to the 2021 census for Birn]ingharn and Solihull.
Page 3

BIRMINGHAM & SOLIHULL WOMEN'S AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST MARCH 2025
Achievements and Performance
Overview
2024-25 was a challenging year, marked by continuing budget cuts under Section 114 oversight and other statutory
sector commissioning, the cost of living crisis, and increased demand for services. For the first time, we were forced to
turn women away frorn our Early Intervention Hub due to lack of capacity.
2024-25
We supported 5,061
women through casework.
++++++t+++
55 atpwjr
nde
21
6%
13% ofwomen
required an
Interprètèr.
In¢ludlng 3
women
Aged25-54
73
57%
had children
accesslng BSL
Interpreters
26% of
women
hada
dlsablllty
195 wornen
rocoived complox
rieeds supporl
515 women
supported wirh long-
ierm casEwork In
the iomtnuniLy
911 women
supporied rhrougb
BSWA Healih
148 women and
We also
received
accessed our
refuge5
5ervice5
26,704 I
224 women acce55ed
laniily SUPPDri
services, th@y also
5upporied 49
children.
helpline calls, and took
2390
3857 MARAC suppDrt5
in Birminghani aiid
drop in appointments in
the Early Intendention Hub.
In 2024-25-
13,456 women accessed our community-based services.
We recelved 26,704 incoming helpline calls
Refuges operated to capacity throughout the year.
Multi-Agency Risk Assessment Conference (MARAC) referrals continued to rise. with a total increase of 150/y in
2024-25 compared to 2023-24.
We recruited. inducted and trained an additional 35 volunteers to join the team to provide direct support to wornen
working on rough belpline cover, community services and community fundraising activity.
We were recommissioned by Binninghatn City Council to deliver refuge provision, helpline, alld outreach services
(with reduced funding).
Funding was secured for one year supporting refuge project work. HUB and specialTSt children's work to take us into
2025-26.
The Early Intervention Partnership with W¢st Midlands Police was established. leading to involvement in the
national launch of Raneem's Law.
Page 4

BIRMINGHAM & SOLIHULL WOMEN'S AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST IVIARCH 2025
Birn]ingham's Domestic Abuse Strategy was launched and BSWA plays a central role in the development and
implementation through sub groups.
-BSW A disbursed over £650k in Housing Support grants to women in domestic abuse services and migrant women
with no recourse to public funds (NRPF).
-our new finance syStern's capacity has further streamlined and strengthened Teporting.
Following a review of our ￿ndraising function we have agreed a new and enhanced fundraising and marketing team
that wtll focusing on corporate and major donors alongside our very active community fundraising work.
Service User Proflle- Ethnicity
This data reinforces the charity's commitment to inclusiv¢ services that meet the needs of women from a wide range of
cultural and ethnic backgrounds.
Ethnicity of BSWA service users compared to Birmingham and
Solihull census data
50.00
45.00
40.00
35.00
30.00
25.00
20.00
15.00
10.00
5.00
0.00
BSWA service users %
Birmingham & Solihull (Census 20211 %
Page 4

BIRMINGHAM & SOLIHULL WOMEN'S AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST MARCH 2025
Results for the year and Reserves Policy
The charity ended the financial year with total incom¢ of £8.293,567 (previous year: £8.323.151) and total expenditure
of £7,817,540 (previous year.. £7.991.461), resulting in a n¢t surplus of £476,027.
There were no restricted funds, while unrestrlcted reserves stood at £6,250,269. The tNstees consid¢r this level of
reserves to be appropriate for the charity's operational needs and futyre commitments. A reserves policy is in place to
ensure financial sustsinability and risk mitigation.
As of 31 March 2025, £4,296.526 constittJl¢s free r¢s¢rv¢s. ¢quival¢nt to 6.6 months of op¢rating costs. Additional
designated reserves, potentially re-designated as free r¢s¢rv¢s. total £1.953.743, which r¢pr¢sents an overall total of 9.6
months of running costs.
The charity remains financially stable, with adequate resoutces to continue its work in the foreseeable ￿t￿re. The
trust¢¢s regularly monitor financial perfornianc¢ and ensure that appropriate controls and governance StrUc￿r¢S ar¢
maintained.
Principal funding sources
The charity's principal funding sources include..
- Birmingham City Counctl (BCC)
Solihull Borough Council
- 0￿1¢¢ of the Pollce and Crime Commissioner & Ministry of Justice (MOJ)
CCG Iris
Principal risks and uncertainties
The Trustees monitor risks on a quarterly basis. The main risks identified in 2024-25 were..
Reduction in funding and contract values.
Loss of key staff due to r¢cruitment challenges.
- Loss of premises.
Mitigation rn¢asures include increased capacity to undertake active fundraising, strengthening partnerships, and
developing contingency plans.
Future plans
Review the Memorandum and Articles of Association in 2025-26.
Expand fundraising capacity to diversify income streams.
Continue to embed equality, dTversity, and inclusion in all governance and service delivery.
Strengthen partnerships to improve safety and outcomes for women and children.
STRUCTURE AND GOVERNANCE
Governing document
Binningham & Solihull Wom¢n's Aid is a registered charity. registration number 1073926 and a company limited by
guarantee. registration number 03509538. The governing docurnent is the Memorandurn and Articles of Association of
the company, which establish the objects and powers of the charitable company and is governed under its Articles of
Association. In the event of th¢ company being wound up, members are required to contribute an amount not exceeding
£1.
Page 5

BIRMINGHAM & SOLIHULL WOMENIS AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST MARCH 2025
REFERENCE AND ADMINISTRATIVE DETAILS
Registered Company number
03509538 (England and Wal¢s)
Registered Charity number
1073926
Registered o￿lee
Ryland Hous¢
44-48 Bristol Street
Binningham
B5 7AA
Trustees
P Mccabe Chair of Board of Trustees
C A Herity
S Hussain (resigned 2917124)
S Begum
T Nelson Chair, Remuneration & Nominations
S Hutchinson
J Reid
N Randhawa
J A Zacheva
J L Birch Treasurer
K Kaur Chauhan
Company Secretary
M R Connolly
Auditors
French LudlaTn & Co Limited
Statutory Audttors and Accountants
Mountfi¢ld House
661 High Street
Kingswinford DY6 8AL
Solicitors
Tyndalwoods
29 Woodboume Road
Edgbaston B17 8BY
Banks
Co-op Bank
Colmore Row
Birniingham B3 3BA
CAF Bank
25 Kings Hill Avenue
Kings Hill
West Malling ME19 4JQ
Senior Leadership Team during the year
M R Connolly, Chief Executive Officer
S Dennis, Operations Manager
J E Morgan, Finance Manager
S Islam. Operations Manager
P K Dhaliwal
Page 6

BIRMINGHAM & SOLIHULL WOMEN'S AID
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31ST MARCH 2025
STA TEMENT OF TRUSTEES, RESPONSIBILITIES
The trustees (who are also the directors of Btrniingliam & Solihull Women's Aid for the PUTposes of company law) are
responsible for preparing the Annual Report and the financial statements in accordance with applicabl¢ law and United
Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) including Financial
Reporting Standard 102 The Financial Reporting Standard applicabl¢ in the UK and Republic of Ireland"
Company law requires the tnistees to prepare financial statements for each financial year which 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 those financial
statements, the trustees are Tequired to
select suitable accounting policies and then apply them consistently:
observe the methods and principles in the Charity SORP.
make judgements and estimates that are reasonable and prudent.
prepare the financial statements on the going concern basis unless it is inappropriate to pr¢sum¢ that the charitable
company will continue in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any tirne
the financial position of the cbaritable company and to enable them to ¢nsure that the financial statements comply with
the Companies Act 2006. They are also responsible for safeguarding the assets of th¢ ¢haritabl¢ company and hence for
taking reasonable steps for the prevention and detection of fraud and other irregularities.
In so far as the trustees are aware:
there is no relevant audit inforniation of which the charitable company's auditors are unaware- and
the trustees have taken all steps that they ought to have taken to make themselves aware of any r¢levant audit
infomiation and to establish that the auditors are aware of that infonnation.
Report of the trustees, incorporating a strategic report, approved by order of the board of trustees, as the company
dir¢ctors. on 16th September 2025 and signed on the board's behalf by=
Patricia Mccabe. Chair of the Board of Trusfres
Page 7

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
BIRMINGHAM & SOLIHULL WOMEN'S AID
Opinion
We have audited the financial statements of Binningham & Solihull Women's Aid (the 'charitable company? for the
year ended 31 st March 2025 which compris¢ th¢ Statement of Financial Activities. the Statement of Financial Position.
the Statement of Cash Flows and not¢s to the financial statements, including a summary of significant accounting
policie5. The fInancial reporting framework that has been applied in their preparation is applicable law and United
Kingdom Accounting Standards {Uniled Kingdom Generally Accepted Accounting Practice). including Financial
Reporting Standard 102 'The Financial R¢porting Standard applicable in the UK and R¢publi¢ of Ireland,.
In our opinion the financial statements-
give a true and fair view of the state of the charitable company's affairs as at 3 1st March 2025 and of its incoming
resources and application of resourc¢s, including its income and expenditure. for the year then ended-
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice,
including Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of
Ireland and
have been prepared in accordance with the requirements of the Companies Act 2006.
Basis for opinion
We conducted our audit in accordance with International Standards on Auditing (UK) (ISAS (UK)) and applicable law.
Our responsibilities under those standards are further described in the Auditors, responsibilities for the audit of th¢
financial statements section of our report. We are independent of th¢ charitable company in accordance witl) the
ethical r¢quirernents that are relevant to our audit of the financial statements in the UK, including the FRC'S Ethical
Standard. and we have fulfilled OUT Other ethical responsibilities in accordance with these requirements. We believe
that the audit evidence we have obtained is sufficient and appropriate to provid¢ a basis for our opinion.
Conelusions relating to going concern
In auditing the financial 5tatement5, we have concluded that the tn]stees' use of the going concern basis of accounting in
the pr¢paration of the financial statements is appropriate.
Based on the work we have performed, we have not identified any material unc¢rtainties relating to events or conditions
that. individually or collectively, may cast significant doubt on the charitable company's ability to continue as a going
concern for a period of at least twelve months frorn when tlie financial statem¢nts are authorised for issue.
Our responsibiliti¢s and the responsibilities of the trustees Wlth respect to going concern are described in the relevant
sections of this report.
Other information
The trustees ar¢ r¢sponsible for the other infomiation. The other inforniation comprises th¢ infomiation included in the
Annual Report. other than the financial statements and our Report of the Independ¢rAt Auditors thereon.
Our opinion on the financial ststements does not cover the other inforniation and. except to the extent otherwise
explicitly stated in our report, we do not express any forni of assurance conclusion thereon.
In connection with our audit of the financial statements. our responsibility is to read the other inforniation and. in doing
so, consider whether the other infonnation is materially inconsistent with the financial statements or our knowledge
obtained in the audit or otherwise appears to be rnaterially misstated. If we identify such material inconsistencies or
apparent material misstatements. we are required to deterniine whether this gives rise to a material misstatement in the
financial statements themselves. If. based on the work we hav¢ p¢rfonned, we conclude that there is a material
misstatement of this other infonnation, we are required to report that fact. We have nothing to report in this regard.
Opinions on other Matters prescribed by the Companies Act 2006
In our opinion. based on the work undertaken in the course of the audit:
the infonnation given in the Report of the Trustees for the financial year for which the financial ststements are
prepared is consistent with the financial statements. and
the Report of the Trustees has been prepar¢d in accoTdance with applicable legal requirements.
Page 8

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
BIRMINGHAM & SOLIHULL WOMEN'S AID
Matters on Ivhieh Ive are required to report by exception
In the light of the knowledge and understanding of the charitable company and its environment obtained in th¢ course
of the audit. we have not identified material misstatements in the Report of the Trustees.
We have nothing to report in respect of the following matters where the Companies Act 2006 requires us to r¢port to
you if, in our opinion..
adequate accounting records have not be¢n kept or returns adequate for our audit have not been received from
branches not visited by us. or
the financial statements are not in agreement with the accounting records and returns" or
certain disclosures of trustees, remuneration specified by law are not made. or
we have not received all the infornlation and explanations we require for our audit.
Responsibilities of trustees
As explained more fully in the Statement of Trustees, Responsibilities, the trustees (who are also the directors of the
charitable company for the purposes of company law) are responsible for the preparation of the financial statements and
for being satisfied that they give a true and fair view, and for such intemal control as the twst¢¢s detennine is necessary
to enable the Preparation of fmancial statements that are free from material misstatement, wheth¢r due to fraud or error.
In preparing the financial statements, the trustees are responsible for assessing the charitable Company's ability to
continue as a going concern, disclosing, as applicable. matters related to going concern and using the going concern
basis of accounting unless the trusfres eith¢r intend to liquidate the charitable company or to ¢¢ase operations, or have
no realistic alternative but to do so.
Page 9

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
BIRMIIYGHAM & SOLIHULL WOMEN'S AID
Our responsibilities for the audit of the financial statements
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from
material misstatetnent, whether due to fraud or eLTor. and to issue a Report of the Independent Auditors that includes
our opinion. Reasonable assurance is a high level of assurance, but is not a guarante¢ that an audit conducted in
accordance with ISAS {UK) will always detect a material misstatement when it exists. Misstatements can arise from
fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to
influence the economic decisions of users taken on the basis of these financial statements.
The extent to which our procedur¢s are capable of detecting irr¢8ularities. including fraud is detailed below..
Because of the ittheient limitations of an audiL there is a risk that we will not detect all irregularities, including those
leading to a material misstatement in the financial ststem¢nts or non-compliance with regulation. This risk increases
the more that compliance with a law or regulation is Temov¢d from the events and transactions reflected in the financial
statements, as we will be less lik¢ly lo become aware of instsn¢¢s of non-compliance. The risk is also greater r¢garding
irregularities occurring due to fraud rather than etroT, as fraud involves intentional concealment, forgery. collusion.
omission or misrepiesentation.
As part of an audit in accordan¢¢ with ISAS (UK), we exercis¢ professional judgment and maintain professional
s¢¢pti¢ism throughout the audit. We also..
Identify and assess the risks of mat¢rial misstatement of the financial statements, whether due to fraud or error.
design and perfonn audit proc¢dures responsive to those risks. and obtain audit evidence that is sufficient and
appropriate to provide a basis for our opinion. The risk of Dot detecting a material misstatement resulting from fraud is
higher than for one resulting from error. as fraud may involve collusion, forgery, intentional omissions.
misr¢pr¢s¢ntations, or the ove￿Ide of internal control.
Identify and assess the risks of material misstatement of the financial statements. whether due to fraud or error, d¢sign
and perform audit procedures responsive to those risks, and obtain audit ¢vidence that is sufficient and appropriat¢ to
provide a basis for our opinion. Th¢ risk of not detecting a material misstatement resulting from fraud is higher than for
one resulting from error, as fraud may involve collusion, forg¢ry. intentional omissions, misrepresentations. or the
override of internal control.
Obtain an understanding of internal control relevant to the audit in order to design audit pro¢¢dures that are
appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the charitable
company's internal control.
Evaluate the appropriat¢ness of accounting policies used and the reasonableness of accounting estimates and related
disclosures made by the trust¢es.
Conclude on the appropriat¢n¢ss of the trustees, use of the going concern basis of accounting and. based on tbe audit
evidence obtained, whether a mal¢rial uncertainty exists related to events or condltions that may cast significant doubt
on the charitable company's ability to continue a5 a going concern. If we conclude that a material un¢¢rtainty exists, we
are required to draw attention in our auditor's report to the related disclosures in the financial statements OT, if such
disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the
dat¢ of our auditor's report. However. ￿tUre events or conditions may cause the charitable cornpany to cease to continue
as a going concern.
Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and
whether the financial statements represent the underlying transactions and events in a manner that achieves fair
presentation (ie. gives a true and fair view).
We communicate with those charged with governance regarding, a￿ollg other matters. the planned scope and liming of
the audit and significant audit fmdings. including any significant deficiencies in internal control that we identify during
our audit.
A further description of our responsibilities for the audit of the financial stat¢ments is located on the Financial
Reporting Council's websit¢ at www.frc.org.uklauditorsresponsibilities. This description fonns part of our Report of the
Independent Auditors.
Page 10

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
BIRMINGHAM & SOLIHULL WOMEN'S AID
Use of our report
This report is made solely to the charitable company's members, as a body, in accordance with Chapter 3 of Part 16 of
the Companies Act 2006. OUT audit work has been undertaken so that we might state to the charitable company's
members those matters we are required to state lo them in an auditors, report and for no other purpose. To the fvllest
extent permitted by law, we do not accept or assume responsibility to anyone other than the charitable company and the
charitable cotnpaiiy's members as a body. for our audit work, for this report. or for the opinions we have fonn¢d.
John Richard Fullman (Senior Statutory Auditor)
for and on behalf of French Ludlam & Co Limited
Statutory Auditors and Accountants
Mountfield House
661 High Street
Kingswinford
West Midlands
DY6 8AL
Date-
Pagell

BIRMINGHAM & SOLIHULL WOMEN'S AID
STATEMENT OF FINANCIAL ACTIVITIES
INCORPORATING AN INCOME AND EXPENDITURE ACCOUN
FOR THE YEAR ENDED 31ST MARCH 2025
2025
Total
funds
2024
Total
fund5
Unrestricted
funds
Restricted
nds
Not¢s
INCOME AND ENDOWMENTS FROM
Donations and legacies
231,035
231,035
232.401
Charitable activities
Community and therapeutic
Accommodation
1,351,136
2,139,568
4,247,606
105,030
5,598,742
2,244,598
5,992,584
1,953.571
Other trading activities
Investment income
Other in¢ome
112,296
56,205
50,691
112,296
56,205
50,691
83.800
40.343
20.452
Total
3,940.931
4.352 636
8 293 567
8.323,151
EXPENDITURE ON
Charitable activities
Community and therapeutic
Accommodation
Fundraising trading
2,130,553
916,340
197,564
3,246,889
1,326,194
5,377,442
2,242,534
197,564
5.784.211
2,124.124
83.126
Total
3 244 457
4 573,083
7 817,540
7,991,461
NET INCOMEI(EXPENDITURE)
Trgnsfer5 between funds
696,474
220,447)
(220,447)
220,447
476,027
331.690
23
Net movement ill funds
476,027
476,027
331,690
RECONCILIATION OF FUNDS
Total funds brought forward
5,774,242
5,774,242
5,442,552
TOTAL FUNDS CARRIED FORWARD
6,250,269
6,250,269
5.774.242
The notes forni part of thes¢ financial statements
Page 12

BIRMINGHAM & SOLIHULL WOMEN'S AID
STATEMENT OF FINANCIAL POSITION
31ST MARCH 2025
2025
Total
funds
2024
Total
nds
Unrestricted
funds
Restricted
funds
Notes
FIXED ASSETS
Tangible assets
15
2,741,070
2,741.070
2,777.610
CURRENT ASSETS
Debtors
Investments
Cash at bank and in hand
16
17
1,414,977
3,155,027
793,568
1,414,977
3,155,027
793,568
1,881,861
1.964,385
852,436
5,363,572
5,363,572
4,698,682
CREDITORS
Amounts falling due within one year
18
{863,627)
(863,627)
(672,147)
NET CURREIYT ASSETS
4,499.945
4,499,945
4.026.535
TOTAL ASSETS LESS CURREIYT
LIABILITIES
7,241,015
7,241,015
6,804,145
CREDITORS
Amounts falling due after more than one year
19
(990,746)
{990,746) (1.029.903)
NET ASSETS
6,250,269
6,250,269
5,774,242
FUNDS
Unrestricted ￿ndS
23
6.250,269
5,774,242
TOTAL FUNDS
6,250,269
5,774,242
The financial statements were approved by the Board of Trustees and authorised for issue on 16th September 2025 and
were signed on its behalf by:
Patricia Mccabe. Chair of the Board of Trustees
Th¢ notes fonn part of these financial statements
Page 13

BIRMINGHAM & SOLIHULL WOMEN'S AID
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31ST MARCH 2025
2025
2024
Notes
Cash flows from operating activities
Cash generated from operations
Interest paid
1240,239
80,609
(114,924)
82,840)
Net cash provided by/{used in) operating activities
1,159,630
(197,764)
Cash flows from investing activities
Purchas¢ of tangible fixed assets
Sal¢ of tangible fixed assets
Interest rec¢ived
Decreasel(in¢r¢ase) in investments
(42,726)
55
40,343
137.769
56,205
1,190,642)
Net cash (used in)/provided by investing activities
1177 163)
178.167
Cash flows from financing activities
Loan Tepayments in year
41,335
(21,251)
Net cash us¢d in financing activities
41,335)
21.251)
Change in cash and cash equivalents in
the reporting period
Cash 2nd cash equivalents at the
beginning of the reporting period
(58,868)
(40.848)
852,436
893.284
Cash and cash equivalents at the end of
the reporting period
793,568
852,436
The notes forni part of these financial stst¢m¢nts
Page 14

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31ST MARCH 2025
RECONCILIATION OF NET INCOME TO NET CASH FLOW FROM OPERATING
ACTIVITIES
2025
2024
Net ineorne for the reporting period (as per the Statement of Financial
Activities)
Adjustments for:
Depreciation charges
Interest received
Interest paid
Decreasel{increase) in debtors
Increasel{decrease) in creditors
476,027
331.690
79,266
(56,205)
80,609
466,884
193,658
98.673
{40,343)
82,840
(268,638)
319,146)
Net cash provided byl(used in) operations
1240 239
114.924)
ANALYSIS OF CHANGES IN NET FUNDS
At 1.4.24
Cash flow
At 31.3.25
Net cash
Cash at bank and in hand
852,436
58,868
793,568
852,436
(58,868)
793,568
Liquid resources
Deposits included in cash
Current asset investments
1,964,385
1,190,642
3,155,027
1,964,385
1190.642
3.155,027
Debt
Debts falling due within l year
Debts falling due after l year
(32,761)
1,029,903)
2,178
39,157
(30,583)
990,746
1062,664
1.021J29
Total
1.754,157
1,173,109
2.927,266
The notes fonn part of these financial statements
Page 15

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINAIYCIAL STATEMENTS
FOR THE YEAR ENDED 31ST MARCH 2025
CHARITY STATUS
The charity is limited by guarantee, incoTporated in England and Wales, and consequently does not have share
capital. Each of the trustees is Ilable to contribute to an amount not exceeding £1 lowords the assets of the
charity in th¢ event of liquidatioTh. The registered company number is 3509538.
The charity's registered office is Ryland House. 4448 Bristol Street, Bim]ingham B5 7AA.
ACCOUNTING POLICIES
Basis of preparing the financial statements
The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been
prepared in accordance with the Charities SORP {FRS 102) 'Accounting and Reporting by Charities= Slat¢ment
of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial
Reporting Stsndard applicable in the UK and Republic of Ireland (FRS 102) (effective l January 2019),,
Financial Reporting Standard 102 'The Financial Reporting Standard applicabl¢ in the UK and Republic of
Ireland, and the Companies Act 2006. The financial statements have been pr¢pared under the historical cost
convention.
Going concern
The Trustees consider that there are no material uncertainties about the charity's ability to continue as a going
concern nor any significant areas of uncertainty that affect the carrying valu¢ of assets held by the charity.
Critical accounting judgements and key sources of estimation uncertainty
In the application of the accounting policies, Trustees are required to makes judgements, estimates and
assumptions about the carying value of assets and liabilities that are not readily apparent from other sources.
The estimates and underlying assumptions are based on historical experienc¢ and other factors that are relevant.
Actual results may differ from these estimates.
The estimates and underlying assumptions are reviewed on an on-going basis. Revisions to accounting estimat¢s
are recognised the period in which the estimate is revised tf the revision affects only that period, or in the period
of the revision and fijture periods if the revision affected Current and future periods.
The areas where these judgements and estimates have b¢¢n made include:
Depreciation and residual values - the Trustees have reviewed the asset lives and associated residual values of
all tangible fixed assets and have concluded that th¢s¢ values are appropriate.
Debtors debtors include amounts due from external organisations and individuals. The charity recognises
provisions against specific debtor balances. that ar¢ based on the age of the debtor balance and assessed risk of
recoverability. The value of trade debtors in the note is net of the Provision for doubtful debts.
Income
All income is Tecognised in the Stat¢m¢nt of Financial Activities once the charity has entitlernent to the funds. it
is probable that the income will be received and the amount can be m¢asured reliably.
Donations and similar income are included in income when they are received.
Grants receivable from ￿nderS for activities in furtheranc¢ of the charity's objectives are included in the
financial statements of th¢ year when the service is provlded.
Grants receivable for specific projectslcosts are recognised in accordance with their indivtdual ternis and
conditions. Income is recognised when the charity has entitlement to the funds which is when any perforniance
conditions are met, it is probable that the income will be received, and the amount can be reliably measured.
Grant income will be deferred if received in advance of meeting perfonnance conditions or if the funder
specifically states that the income must be spent in a future accounting period.
Investment income is account¢d for when receivable.
Trading income is accounted for on a receivable basis.
Page 16
¢ontinued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
ACCOUNTING POLICIES- continued
Ineome
Fees and other sundry income is accounted for in the year in which it is receivable by the charity. No amounts
are included in the financial statements for services donat¢d by volunte¢rs.
Expenditure
Liabilities are Tecognised as expendithre as soon as there is a legal or constructive obligation committing the
charity to that expenditure, it is probable that a transf¢r of economic benefits will be required in settlement and
the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has
been classified under headings that aggregate all ¢osl related to the category. Where costs cannot be directly
attributed to particular headings they have been allocafrd to activities on a basis consistent with the use of
resources.
Allocation and apportionment of costs
Where it is possible, costs are allocated directly to th¢ main expenditure categories of the SOFA. Where this is
not possible, costs are allocated on the basis of the number of direct and support employees.
Tangible fixed assets
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful
life.
Freehold property
Short leasehold
FTXtures and fittings
Motor vehicles
20/0 on cost
over the period of the lease
330/0 on cost
200/0 on cost
Freehold properttes are stafrd in the balance sheet at cost less depreciation.
Tangible fixed ass¢ts are stated at cost less depreciation. Any expenditure on individual assets with a value
below £2.500 is written off directly to revenue. Depreciation is provided in equal annual instalments over the
estimated useful lives of the assets.
Impairment of assets
At each reporting date assets are reviewed to detetmine whether there is 8ny indication that those assets have
suffered an irnpairnient loss. If there is an indication of possibl¢ impaimient. the recoverable amount of any
affected asset is estimated and compared with its carrying amount. If th¢ estimafrd recoverable amount is lower.
th¢ ¢anying amount is reduced to its estimated recoverdble amount, and an impaimlent loss is immediately
recognised in the Statement of Financial Activities.
If an impairn]ent loss subsequently reverses. the carry amount of the asset is increased to the revised estimate of
its recoverable amount. but not in excess of the amount that would have been deterniined had no impairnient
loss been recognised for th¢ asset in prior years. A reversal in any impairn]ent loss is recognised immediately in
the Statement of Financial Activities.
Current asset investments
cU￿ent asset investments are cash balances of guaranteed investment deposits.
Goods donated for resale
The charity receives donated goods for resal¢ which it recognises at point of sale as the Trustees CODsider it to
be irnpracticable to recognise such gifts on th¢ir rec¢ipt due to the large number of small value items received.
As such, stocks of unsold donated goods are not valued for balance sheet purposes
Trade debtor5
Trade debtOTS are amounts due for merchandise sold or servic¢s perforn)ed in th¢ ordinary course of business.
Trade debtors are recognised initially at th¢ transaction price less any provision for bad debts.
Page 17
ontinued..

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
ACCOUNTING POLICIES- continued
Tangible fixed assets
Cash and cash equivalents
Cash and cash equivalents comprise cash on hand and call deposits, and any other short t¢nn highly liquid
investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of
change in value.
Trade Creditors
Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of
business from suppliers. Amounts payabl¢ are classified as current liabilities if the charity docs not have an
unconditional right, at the end of the reporting period. to defer settlernent of the creditor for at least twelve
months after the reporting date. Trade creditors ar¢ recognised initially at the transaction price.
Borrowings
Bank borrowings are recorded at the initial transaction value less repayments made. Interest is charged to the
Statement of Financial Activities as it arises over th¢ t¢rm of the loan.
Financial instruments
Financial assets and financial liabilities are re¢ognis¢d when the charity becomes a party to the contractual
provisions of the instrument.
Financial liabilities and equity instrurnents are classified according to the substance of the contractual
arrangem¢nts entered into. An equity instrnment is any contract that evidences a residual interest in the assets of
the charity after deducting all of its liabilities.
Taxation
The charity is considered to pass the tests set out in Paragraph I Schedule 6 of the Finance Act 2010 and
therefore it meets the definition of a charitabl¢ company for UK co￿oration tax Purposes. Accordingly. th¢
charity is potentially exempt from taxation in respect of income or capital gains received within categories
covered by Chapter 3 Part I lof the Corporate Tax Act 2010 or Section 256 of the Txxation of Chargeable Gains
Act 1992. to the extent that such incom¢ or gains are applied exclusively to charitable purposes.
Fund accounting
Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.
Designated funds are unrestricted funds set aside for specific purposes at the discretion of the trustees.
Restricted funds can only be used for particular restricted putposes within the objects of the charity.
Restrictions arise when specifled by the donor or when funds ar¢ raised for particular restricted purposes.
Further explanation of the nature and purpose of each ￿nd is included in the notes to the financial statements.
Pension costs
The charitable company op¢rat¢s a defined contribution pension scheme. Contributions payable to the
charitable company's pension scheme are charged to the Stafrment of Financial Activities in the period to which
they relate.
Government grants
Government grants received are credited to the Statement of Financial Activities as the relevant costs are
incurred.
Page 18
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
DONATIONS AND LEGACIES
2025
2024
Donations
231035
232.401
OTHER TRADING ACTIVITIES
2025
2024
Shop income from sal¢ of donated goods
112,296
83.81K)
INVESTMENT INCOME
2025
2024
Deposit account interest
56,205
40,343
INCOME FROM CHARITABLE ACTIVITIES
2025
2024
Activity
Community and th¢rap¢utic
Community and th¢rap¢utic
Accommodation
Accotnmodation
Grants
Traiiiing
Grants
Rent
5,590,630
8,112
847,792
1396,805
5.989.489
3.095
810.111
1.143,460
7 843,339
7,946,155
Grants received, included in the above, are as follows..
2025
2024
Bim]ingharn City Council
Big Lotto Young Wom¢n's VAWG work¢r
Inte8rat¢d Care Board
BCC Vuln¢rabl¢ Adults Commissioning S¢rvices
Bimiingham Community Safety Partnership
Police and Crime Commissioner
Solihull MBC Public Health Services
Children in Need
CCG- IRIS
The Springfield Project
Smallwood Trust
Heart of England
NHS Hospital Trust
BVSC
Nationwide
West Midland Combined Authority
Southall Black Sisters
St Basils
Bailey Thomas
Research Better Together
Natwest Circle Fund
Islarnic Relief
1,360,762
96,029
111,879
1,402.791
1.915,143
94,146
104,460
1.431.656
21,500
1.495.021
651,694
9,944
360,000
19,456
175,332
32,000
161.842
9,999
24.962
7.000
230,778
50,000
4,167
500
1,759,353
682,996
336,000
211,667
205,556
24,963
207,759
4,167
500
4,000
30.000
6,438,422
6,799,600
Page 19
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
OTHER INCOME
2025
2024
Other income
50,691
20,452
Other tncon]e includ¢s Access to Work claims of £13,907 (2024 £15,550) .
CHARITABLE ACTIVITIES COSTS
Support
costs (see
note 9)
Direct
Costs
Totals
Community and therapeutic
Accommodation
Fundraising trading
4565,127
1,914,977
197,564
812,315
327,557
5,377,442
2,242,534
197,564
6,677,668
1,139,872
7,817,540
SUPPORT COSTS
Governance
costs
Finanee
Info
teeh
Manage't
Total
2025
Total
2024
Community and
th¢rapeutic
Accommodation
90,517
32,749
188,294
76,908
62,764
25,637
470,740
192.263
812.315
327,557
847,888
279,372
123.266
265.202
88,401
663,003
1,139,872 1,127,260
io.
NET INCOMEI(EXPENDITURE)
Net income/(expenditure) is stated after chargingl(crediting)'.
2025
2024
Audit
Depreciation - owned assets
Operating leases
Trustees, Teimbursed expenses
Defined pension scheme contributions
10.340
79,266
143,110
9,872
98,673
109,911
95
200,579
173,839
Pag¢ 20
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 3 1ST IIIARCH 2025
ii.
TRUSTEES, REMUNERA TION AND BENEFITS
Ther¢ w¢re no ttvste¢s' remuneration or other benefits for th¢ y¢ar ended 31st March 2025 nor for the year
ended 31 sl March 2024.
Trustees, expenses
No trustees, expenses were paid in the year to 31 st March 2025.The total amount of travel expenses reimbursed
to trust¢¢s during the year to 3 1st March 2024 was £95. in r¢sp¢¢t of one trustee.
12.
STAFF COSTS
2025
2024
Wages and salaries
Social security costs
Other pension costs
4,841,855
441,724
173,838
5,208,380
463,168
200,579
5,457,417
5,872,127
Total redundancy costs for 2025 was £27,864 (2024 £6,902).
Terniination payments are comprised of voluntary and compulsory redundancy. Payments are Tecognised in staff
COSts once they are quantifiable and upon comTnunication of intention to pay.
There was no unpaid redundancy at 31 st March 2025 (2024 £nil).
The charity arranges private health insuranc¢ in T¢SP¢Ct of its ¢mployees. The total cost of this insurance for th¢
year was £19.607 (2024 £20,079).
The average monthly number of ¢mployees during th¢ year was as follows..
2025
2024
Senior management
Finance and administration
Proje¢tlrefuge
Shops
15
163
131
146
186
The number of employees whose employee benefits (excluding employer pension costs) exceeded £60,000 was..
2025
2024
£60,001- £70,000
£70,001- £80.000
£ioo.ooi- £iio,000
£110.001- £120,000
The total employee benefits of the key management personnel of the ¢harity was £425,003 (2024 - £385.005).
Page 21
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
13.
COMPARA TIVES FOR THE STATEMEIYT OF FINANCIAL ACTIVITIES
Unrestricted
funds
Restricted
nds
Total
funds
INCOME AND ENDOWMENTS FROM
Donations and legacies
232,401
232,401
Charitable activities
Community and tlierapeutic
Accommodation
1.335.000
1.894.905
4,657,584
58,666
5.992,584
1.953.571
Other trading activities
Investment income
Other income
83.800
40.343
20.452
83.800
40.343
20,452
Total
3,606,901
4,716,250
8,323,151
EXPENDITURE ON
Charitable activities
Community and th¢rapeutic
Accommodation
Fundraising trading
1,163,576
1,981,218
83.126
4,620,635
142,906
5,784,211
2,124,124
83.126
Total
3,227,920
4.763,541
7,991,461
NET INCOMEI(EXPENDITURE)
Tr2nsf¢rs between funds
378,981
47,291)
(47.291)
47.291
331,690
Iyet movement in funds
331,690
331,690
RECONCILIATION OF FUNDS
Total funds brought fon¥ard
5,442,552
5,442,552
TOTAL FUNDS CARIUED FORWARD
5,774,242
5,774.242
14.
PENSION COMMITMENTS
The charity operated a defined contribution pension scheme. The assets of the scheme are held separately from
the charity in an independ¢ntly administered fund. The pension charge represents contributions payable by the
charity to the fund and amounted to £173,839 (2024 £200.579). The contributions are allocated between
activities and restricted and unrestri¢t¢d funds on a basis consistent with the use of staff resources.
Contributions totalling £27,786 (2024 £27.705) were payable to the fund at the balance sheet date.
Page 22
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
15.
TANGIBLE FIXED ASSETS
Fixtures
and
fittings
Freehold
property
Short
leasehold
Motor
vehicles
Totals
COST
At 1st April 2024
Additions
3,253,758
188,662
23,000
3,465,420
42,726
42,726
At 3 1st March 2025
3,253,758
188,662
23.000
3,508,146
DEPRECIATION
At 1st April 2024
Charge for year
491,052
65,075
188,566
96
8,192
4,600
687,810
79,266
9,495
At 3 1st March 2025
556,127
188,662
12,792
767,076
NET BOOK VALUE
At 3 1st March 2025
2,697,631
33,231
10,208
2,741,070
At 3 1st March 2024
2,762,706
96
14.808
2,777,610
Individual items of expendittjre under £2.500 are not capitalis¢d.
16.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2025
2024
Trade debtors
Other debtors
Prepayments and accrued income
1,208,794
523
205,660
1,053,020
40
828,801
1414,977
1.881,861
17.
CURREIYT ASSET llYVESTMEIYTS
2025
2024
Guaranteed investment deposits
3,155,027
1,964.385
Page 23
continued...

BIRMIIYGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
18.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2025
2024
Bank loans and overdrafts (see note 20)
Trade creditors
Social security and other taxes
Other creditors
Accrued expenses
Deferred grants
30,583
348,242
89,967
31,345
96,444
267 046
32,761
290.467
121.362
47.477
66.547
113.533
863,627
672,147
The movements in deferred grants is are analysed as follows:
2024
2024
Deferred grants at l April
Amounts released from previous years
Incoming resources deferred in the year
113,533
(113,533)
267,046
406,033
(381.070)
88,570
Defened grants at 31 March
267,046
113.533
Deferred grants consists of project grants received in advance.
19.
CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
2025
2024
Bank loans (see note 20)
990 746
1,029,903
20.
LOANS
An analysis of the maturity of loans is given below:
2025
2024
Amounts falling due within one year on dernand:
Bank loans
30,583
32,761
Amounts falling b¢twe¢n one and two years..
Bank loans - 1-2 years
52.250
50,377
Amounts falling due between two and five years..
Bank loans - 2-5 years
167,979
162.364
Amounts falling due in more than five years:
Repayable by instalments:
Bank loans more 5 yr by instal
Page 24
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMEIYTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
21.
LEASINC AGREEMENTS
Minimum lease payments under non-cancellable operating lease5 fall due as follows-
2025
2024
Within one y¢ar
Between one and five years
139,443
60,702
122,046
142,255
200,145
264.301
22.
SECURED DEBTS
The following secured debts ar¢ included within creditors..
2025
2024
Bank loans
1,021,329
1,062,664
A mortgage of £262.500 was obtained in the year to 31 st March 2017 to a5SiSt in the purchase of a new refuge,
The mortgag¢ is r¢payable by monthly instalments over 20 years and is charged interest at a rate of 2.6875 % per
annum Above th¢ bank bas¢ rate.
On 29th October 2021 a further mortgage was taken out to fund the purchase of a further two r¢fug¢s. This loan
is repayable by monthly instalrnents over 10 years and carries an interest rate of 0.68750/0 p¢r annum above the
bank base rate.
The mortgages are secured by fixed and floatin8 charges over the assets of the charity and a first legal charge
held over the freehold properties The net book value of these properties is £2.687.663 (2024 £2,752,512).
23.
MOVEMENT IN FUNDS
Net
mov¢ment
in funds
Transfers
between
fund5
At
31.3.25
At 1.4.24
Unrestricted funds
General fund
Staff redundancy reserve
Capital expenditure reserve
Capital repairs reserve
Maternity leave reserve
Cost of living reserve
3,820,499
400,000
832,446
467,330
53,967
200,000
696,474
(220,447)
(200,000)
4.29Q526
200,000
832.446
467,330
53,967
400.000
200,000
5,774,242
696,474
(220.447)
6,250,269
Restricted funds
General restricted reserve
(220,447)
220,447
TOTAL FUNDS
5,774,242
476,027
6 250,269
Page 25
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMEIYTS- continued
FOR THE YEAR ENDED 31ST MARCH 2025
23.
MOVEMENT IN FUNDS - continued
Nel movement in fi]nds. included in the above are as follows:
Incoming
resources
Resources
expended
Movement
in fijnds
Unrestricted funds
General fund
3.940,931
(3,244,457)
696,474
Restricted funds
General restricted reserve
4,352,636
(4,573,083)
(220,447)
TOTAL FUNDS
8,293,567
(7,817,540)
476,027
Comparatives for movement in funds
Net
movement
in funds
Transfers
between
funds
At
31.3.24
At 1.4.23
Unrestricted funds
General fund
Staff redundancy reserve
Capital expenditure reserve
Capital repairs reserve
Maternity leave reserve
Cost of living reserve
3,488,809
200,000
832,446
467,330
53,967
400,000
378,981
(47,291)
200,000
3,820,499
400,000
832,446
467,330
53,967
200,000
200,000)
5,442,552
378,981
(47,291)
5,774,242
Restricted funds
General restricted reserve
(47,291)
47,291
TOTAL FUINDS
5,442,552
331,690
5,774,242
Comparative net movement in fiind5. included in the above are as follows..
Incoming
resources
Resources
expended
Movement
in ￿ndS
Unrestricted funds
General fund
3,606,901
(3,227.920)
378.981
Restricted funds
General restricted reserve
4.716.250
(4.763.541)
(47,291)
TOTAL FUNDS
8,323,151
7.991.461)
331.690
Page 26
continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
23.
MOVEMENT IN FUNDS- continued
A current year 12 months and prior year 12 months combined position is as follows:
Net
movement
in ￿ndS
Transfers
between
funds
At
31.3.25
At 1.4.23
Unrestricted funds
General fund
Staff redundancy reserve
Capital expendimre reserve
Capital repairs reserve
Maternity leave reserve
Cost of living reserve
3,488,809
200,000
832,446
467,330
53,967
400,000
1,075,455
(267,738)
4,296,526
200,000
832,446
467.330
53.967
400,000
5.442.552
1.075,455
(267,738)
6.250,269
R¢stricted funds
General r¢stricted reserve
(267.738)
267,738
TOTAL FUNDS
5.442,552
807,717
6.250.269
A current year 12 months and prior year 12 months combined net movement in funds, included in the above are
as follows..
Incoming
resources
Resources
expended
Movement
in funds
Unrestricted funds
General fund
7,547,832
(6,472,377)
1.075.455
Restricted funds
General restricted reserve
9,068,886
(9,336,624)
(267.738)
TOTAL FUNDS
16,616.718
15.809,001)
807,717
Transfers between funds
Within restricted ￿nds.
The Repairs Reserve represents an allocation of general ￿ndS to allow for the refiirbishing of properties.
Maternity Leave Reserve represents an allocation of general ￿llds to ¢ov¢r costs associated with staff being on
maternity leave.
Redundancy Reserve represents a prudent allocation of general funds to allow for any staffing restructure
required following a reduction in income.
Capital Expenditure Reserve repTesents an allocation of general funds to allow for th¢ purchase of additional
property as needed by tbe charity.
The Cost of Living Reserve represents an allocation of general funds to allow for assistanc¢ during periods
where living costs increase significantly.
Page 27
Continued...

BIRMINGHAM & SOLIHULL WOMEN'S AID
IYOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31ST MARCH 2025
23.
MOVEMENT IN FUNDS - continued
Transfers between funds - continued
Restricted funds income relates to the operation of the charity's re￿geS and the provision of support and advice
to the end users. All of the restricted funds income are exp¢nded within the year. Any fijnds in the year that
relat¢ to the forthcoming year are carried fonvard as deferred incom¢ with a corresponding cash balance or
debtor shown in th¢ accounts. General unrestricted funds are used to cov¢r the fvnding shortfalls by way of a
transfer between funds.
Th¢ balance transferr¢d to unrestricted funds in the Statement of Financial Activities represent the balance of
restricted fund contributions to general costs as agreed with the ￿ndIng bodi¢s.
24.
RELATED PARTY DISCLOSURES
There wer¢ no T¢lat¢d party transactions for the year ended 3 1st March 2025.
Pag¢ 28