REGISTERED COMPANY NUMBER: 3688949 (England and Wales)
REGISTERED CHAIUTY 1¥4UMBER: 1074170
rar citizen5
advice
Ynys Mon
REPORT OF THE TRUSTEES AND
AUDITED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
FOR
CANOLFAN CYNGHORI YNYS MON CITIZENS
A DVICE BUREAU
uJilliomsdenton
Williams Denton Cyf
Chartered Certified Accountants
Statutory Audttors
Glaslyn
Ffordd y Parc
Parc Menai
Bangor
GThynedd
LL57 4FE

CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
CONTENTS OF THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Page
Report of the Trustees
I to 10
Report of the Independent Auditors
11 to 13
Statement of Flnanclal Aetlvlties
14
Balance Sheet
15
Cash Flow Ststement
16
Not¢s to the Cash Flow Statement
17
Note$ to the FiThaneial Statements
18 to 31

CANOLFAIY CYI¥4GHORI YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
The tNstces who are also directOTS of th¢ charity for the purposes of the Companies Act 2006, pr¢s¢nt their report with
the financial statements of the charity for the year ended 31 March 2025. The INstees have adopt¢d th¢ provisions of
Accounting and Reporting by Charities.. StAtement of Recommended Practice applicabl¢ to Charities pr¢parinE their
accounts in accordance with the Financial Reporting Standard applicable in the UK and R¢public of It¢land (FRS 102)
(effr¢tiv¢ l January 2019).
OWECTIVES AND ACTIVITIES
Objective5 and aims
The principal activity of the charity is to help people resolve their legal, money and oth¢r problems by providing free
inforniation and advice and by influcnctng policymakers. The Citizens Advicc Service is independent and provides free,
confidential. impartial advice to everyone regardless of race, g￿der, sexuality or disability.
Ynys Mon Citizens Advi¢¢ &ims to champion equality through tbe way w¢ operate. the advice we Provide, and our role
in research & campaigns dcvelopment. OUT service is accc&siblc to all. which empow¢rs the disenfranchised.
The charity'5 n]ain objectives for the year ar¢ to maintain and expaod current volunt¢¢r base, to enable us to increase
OUT outreach, digital and in person services.
Strdtegies for achieving its ststed objectives
to be proactive in recruitn]ent of volunteers through local and social
medii raising profil¢ of service to attract volunteers through att¢nding local events and conununity groups and by
engaging with employe¢5 who aTe considering retirement. We will also offer placements to students and those seeking
work experience to give them a real grassroots view of how our organisation operates. We will review our 3-year
business & strategic plan at regular tntervals and update as r¢quir¢d. Activities that contribute to the achi¢v¢m¢nt of the
stated objectiv¢5 is a robust recTuitrAent campaign comprising of publicity activity pres¢ntation5 to community
groups . i)pen door advice service and vithal vid¢0 conferencing (digitsl f2ce to face service), bilingual telephone
service, w¢bchat seTvice, appointment s¢rvi¢e, research & campaigns strat¢gy, utilisation of volunteers for
administration and engaging in effective partn¢Tship working.
Significant activities
We have:
- administered the Cost of Living discretionary thnd.
- providcd regular digital Promotional updates oll services and awareness campaigns.
contlllued to provid¢ Tier I support to clients with mental h¢alth issues (ICAN) in our hubs l￿d in additional v¢nues
across the Rslalld and provided a telcphonc drop-in service.
- deliv¢red energy advice s¢rYices to proactiv¢ly support people living in or at risk of fuel poverty.
deliv¢r¢d training on encrbry advic¢ to frontline workers across North and Mid Wales to allow frontline workers to
proactively identify and support p¢opl¢ living in or at risk of fuel poverty.
- provided a Law Clinic s¢rvice across Anglesey working with several partners.
- attended outreach evcDts across the island to help those in the community that may otheTwise not access us for support
but that may be strnggling with the cost of living. This included visiting areas such as: Aberffraw, Amlwch. B¢aumaris.
BodedeTn. Bodorgan. Dwyran, Gaerwen, Holyh¢ad. Llanddona. Llanerch-y-m¢dd, Llangefni. Llangoed. Menai Bridge,
Pentraeth. and RAF Valley. It also allowcd us to keep statutory and third sector partners up to date on ihe services we
providc.
- work¢d with partners to rcspond effectively and quickly to mass rcdundancies on the island and support those losing
thcir employment.
presented at the All Wales Financial Wellbeing FoTum raising awareness of the link between financial difficulty and
mental health and the support that is available via th¢ ICAN service.
regularly att¢nd¢d key groups with partners alm￿ at tackling poverty, homelessness, and mental health for
collaborative working and holistic sUPPOrt.
provided regular updates on our volunteer opportuniti¢s via digital PTomotion and attending in person community
evcnts.
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CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR EIYDED 31 MARCH 2025
OWEcfivEs AND ACTIVITIES
Public benefit
The trustees have paid due regard to th¢ Charity Commission's guidance on public benefit ill deciding the activities
undertaken by the Ynys Mon Citizens AdvAc¢ during the year. The trustees are satisfied that the inforniation provided in
the report and accounts meets the public b¢n¢fit r¢porting requir¢m¢nts.
Volunteers
The Charity app￿ciated thc S￿]ce of approxirnately 14 active volunteers throughout the year. which included trustees,
advisers and administrativc team members who provided an effective and effIcient service to m¢mb¢rs of the public.
Through Research & Campaigns they help influence government and other organisations by inforniing th¢m of the
effect of Ibeir actions on thc livcs of clients. Our annual satisfaction survey continues to indicate strong positive results
ACHtEVEMENTS AND PERFORMANCE
Charitable A¢tivitie$- How our activities dellver publlc benefit
Our Advi¢¢ giving helped approxin]ately 10,950 people this financial year with 70,637 issues. We remain the only local
provid¢r on th¢ island that 15 subject to a regular comprehensive audit across the quality of advice we deliver to th¢
public. The main advi¢¢ issues this year were Initial Benefit Claims (8213 issues) and Personal Independent Payment
{5379 issues). We continue to provide incr¢as¢d advice on welfare benefits, debt, housing, low level mental health,
employment, consumer & utilities, gend¢r viol¢n¢¢/abuse & hate crime, education, immigration, and charitable &
foodbank support.
W¢ identified £14,794,236 of benefit and debt relat¢d gaiDS, which includ¢s income gainldebts written offlrepaymenls
re￿hedUled and was achieved, with a combined ¢ffort from our Advi¢elink Sp¢¢ialist D¢btlWelfare Benefits and
Genernlist projects.
We dealt with 488 clients that had 1840 debt issues in Ynys Mon during the fiDancial year. We assisted thes¢ ¢li¢nts
with £213,312 debts being written off and £524 paym¢nts rescheduled.
We are the only organisation on the island who ar¢ approv￿ D¢bt Rcli¢f Order Intermediaries.
We offer compTehensive training for all volunteer roles, offering accreditation and llpskilling in a w¢l¢oming and social
environvnent. Our con)mitted volunteers help operate the front line delivery of service across the island.
Our ICAN project, which is funded by Bet51 Cadwalath University Health Board, is on¢ of very few services 8vail8ble
on the island for clients expcri¢n¢ing low level mental health conditioTJS.
Our Anglesey Law Clinic provides free legal advic¢ to clicnts across the island and provide5 SUPPOrt to litigants in
person in ihe areas of family. employment and community car¢. It aims to Provide a service to people who would
otherwise be denied access to l¢gal advice. It also aims to identify gaps in provision and meet training needs r¢latin8 to
social welfare advice.
We are the Regional Lead for Energy in North and Mid Wales and have co-ordinated Fuel Poverty Workshops across
the Region, delivered Energy Awareness w4)rkshops to community groups and assisted individuals with income
maximisation, debt support and f￿ancIal capability skills through our various energy and financial capability projects.
Page 2

CANOLFAN CYIYGHORI YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
alit Assurante
W¢ are a member of the National Citiz¢ns Advice Organisation having passed an audit of the quality of advice and
membership standards.
A standards-based quality assurance system, based on self-assessment and extcrnal scrutiny system. quarterly quality
audits and organisational annual audit ensur¢s the continuous improvement of our 5crvi¢es.
We hold an Advice Quality Standard Servic¢ in generalist advice and specialist casework for Debt. EmploymenL
Housing. Welfare Benefits, Health & Community Care, Disability, and Women. W¢ also hold Welsh Government's
IAQF quality mark.
We have Charity Cornrnission endorsement.
inforn)ation systevn covers th¢ majority of subjects on which clients s¢¢k advice and is always completely
up-to-date. it is the most comprehensive system of its kind in the UK and is available in electronic fonll.
We have access to a National comp¢tence-based training and assessn]ent sch¢m¢ for all staff - paid and unpaid.
We have the only approved Debt Relief Order Intennediaries on thc island
Our Energy Adviscrs }￿e all City & Guilds Level 3 quab'ficd or ¢quivalent
Use of Volunteer$ and Provislon of Communit , Trainin
170/0 of our frontlin¢ team are volunteers - this can be equated to a notional cost of approximately £14,516.95.
Wc provide generalist Adviser training for the local community.
We actively target volunteers from all groups within the community.
Our accredited training course makes volunÉeers more employable and indeed we lose a high number b¢¢aus¢ afi¢r
working with w they secure employtncllt or higber education placements.
Holistic A
roach and Preventative Work
We provid¢ advice and problern solving on every SUbj￿t from debt and employment to housing and discrimination to
immigration and welfare benefits to family and domestic abuse, providing holistlc 5UPPOrt for whatever issue a client
faces.
It is important that Government. W¢lsh Government and Local Authorities und¢rstand th¢ effectiveness of investing in
preventative Advice services. By investing in us we are savtng the Local Authority, National Governments and Health
Boards a significant amount of money as our services prevent stress, provid¢ an increase of knowledge and rights, all of
whicb if provided ¢arly ¢nough thwart the various conditions that could be developed due to complex probl¢ms and
needs within our communities.
Incom¢ maximisation work directly tackles the links between povety and ill-health - our benefit and oth¢r T¢lat¢d gains
along with our debt write-offs and debt payments r¢sch¢duled for 202412025 w¢r¢ ov¢r £14 million.
Timely advice can prevent furtb¢r Crises. such as homelessness, time off work due to illness, and unemployment.
We improve the qu31ity of lif¢ for many clients. For ex2mple. by reducing the stress of debt, maxirnising income, and
challenging injustice whilst also providing emotional and listening support. This allows a client to reccive full holisti
support to help them find a way forward.
cialist Knowled
e and Casework
We off¢r specialisl casework in debt, welfare benefits, family, pow¢r of attorney. housing. energy and employmenL
This is the area of work that w¢ need to attract additional funding for to support our generalist advice seTvice, which is
currently inundatcd with enquiries due to still feeling the aft¢r¢ff¢cts of the pandemic and the current cost of living and
energy crises. Spccialist support requires regular one to on¢ support and can last for up to 12 months or longcr for some
individuals.
Inde
ndence Im
2nd Innovation
W¢ are a charity governcd by a Trust¢¢ Board, which has representstion from and is ￿cOUntable to the local
community.
Citizens Advice are best placed to su¢c¢ed with innovation as local projects wi be supported by national infrastrncture
which helps stimulate d¢velopments and disseminates good practice.
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CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
Annual Statement of Internal Control
The trustee board has approv¢d an Infonnation Assurance Strategy, having identified the risk presented by the
significant amounts of ¢li¢nt data h¢ld in th¢ bureau. GDPR UK regulations (which sits alongside an amended version
of the DPA 2018) are adhered to and an inf0m￿tion a&surance rnanagement tearn exists to ensure the confidentiality.
integrity and availability of all our ￿nSitiV¢ data a&8Cts is maintained to a level which is consistent with the
requirements of our clients, our ￿nderS and our stratcgic parkneTS. The org8nisation aims to achieve an appropriate level
of compliance to the Data Protection Act. th¢ Cabinct Office's S¢¢urity Policy Frxrnework and to industy best PTactice,
as defmed by the ISO 27000 series of standards and have attained Cyber Essentials Plus accreditation.
The Trustee Board also meet quarterly and receive a report of compltance from the CEO. We also hav¢ a Financ¢ and
General Purposes Cornmittee who oversee our fmancial governance. Every Trustee bas Portfolio responsibility for areas
of Governance and are expected to conduct compliance reviews regularly.
Workin in Partnershi
We hav¢ strcngth¢n¢d our relationships with Betsi Cadwaladwr UniveT5ity H¢alth Board, CMHT. Primary Care
Pmviders and have a numbeT of other local, regioDal and national partnership initiatives.
Our tAw Clini¢ enjoys an extensive partnership with the Pro Bono Network and Pro Bono partners.
We have been active members in contributing to the Isle of Anglesey County Council's Prevention & Early ]ntervention
group and administer the cost of living support funding for the island.
We are members of the Isle of Anglesey County Council's All Tog¢th¢r hub which aims to tsckle homelessness and
prevent recuffence of homelessness in vulnerable clients.
We have a genuine commitment to working with other organisations both within the voluntary sector and outside i(
whether to share resources, make appropria* referrals, effecting change and co-operating on improving access to advice
and inforniation.
Effective Plllnnin 2nd Monitorin
of Scrvices
Citizens Advice have a solid track r¢¢ord for th¢ st¢wardship of public funds.
Local Citizens Advice work together locally to plan strat¢gi¢ sGrYi¢¢ d¢liv¢ry and national telephone services.
We undertake rigorous sland&rds of planning and produ¢¢ a thw¢-y¢ar busincss and d¢velopmcnt plan.
We are committed to improving services by acting on audit r¢commendations. ¢li¢nt satisfaction surveys and other
consultation results, client and comn]unity needs analysis. staff appraisals and learning from thc good praclices of other
agencies.
In the Forefront of Advice Provision Develo n)ent
W¢ keep abreast of changes in the advice and inforniation field.
We are Currently working with Citizens Advice to transforni access to advAce services.
We have acc¢s8 to Citizens Advi¢¢ extensiv¢ IT development programme and the computerisation of the entire CA
service has already achieved an ¢l¢cttonic inforniation system. case recording and management systems with the
additional function for clients to be abl¢ to upload their documents diT￿tlY to th¢ir casefile.
The knowledge of the community makes us an effective partner in local initiativ¢$.
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CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
We are a memberlpartner of the following groups:
Bangor University Social S¢ienc¢slLaw Faculties
- Pawb Gyda'n Gilydd l All Together heTe homelessness forum
- Foodbank Partnership
- Bwyd Da Mon
- North Wales R¢gional Advice Network
- Prevention & Early Intervention Group
- Pro bono Comn]ittee for Wales
- Help to Claim Cornrnunity and partnership group
- ICAN ste¢ring group and ICAN operational group
- Ynys Mon W¢llbeing hub steering group
Housing Support Grant Supporting People Provid¢r Forum
- Mon Rools prevention of rural homelessness partnership
- CMHT Single Point of Access group
Effeetivt Rese*reh gnd Cam
s Work
We conducted quarterly me¢tings with staff to encouTage and promote engagement in Research and Campaigns.
We attended quart¢rly m¢etings with North Wales Local Citiz¢ns Advices (LCAS) to explore opportunities to
collaborate with other LCAS to Produce a regional strat¢gy.
We drew on cli¢nt's experiences to help with the development of social policies and services. their knowledge can be
used to help central and local government and health authorities devise more effective anti-pov¢ty and local ¢¢onomic
regeneratlOD strategies.
We hav¢ good stalistical recording and monitoring system which can, whil¢ pr¢serving the confidenliality of clients,
provide valuable data to other agencies and policy-makers.
We worked closely with our elected m¢mb¢rs to influence policy.
We ar¢ Currently collaborating with the local foodbank to monitor the use of foodbatd(s being used as a norn]al part of
cli¢nt life instead of crisis support.
We worked in collaboration with the North Wales Local Citiz¢ns Advice Network to raise awar¢n¢ss to the Welsh
Government of barriers clients, and the advice s¢rvic¢s supporting clients, face kll accessing emergency support through
the Discretionary Asslstance Fund.
FINANCIAL REVIEW
roach and Prlnci
21 Fundin
Sources
As a service providing charity without pennanent endowment, almost all Ynys Mon CA ￿lld1ng Comes through annual
grants and contracts. Core funding is provided by the Isl¢ of Anglesey County Council. This makes up less than IOO/o of
turnover but is vital in ¢nabling us to provide front line ac¢¢ss via our t¢am of volunteers. About 807 of in¢ome is grant
aid from National Citizen5 Advice, which includ¢s fiinding from Welsh Government and central gov¢rnm¢nt for
5p¢cific projects. Other major grants are provided by our National Citizens Advice Service, Citizens Advic¢ Cymn],
Welsh Government, National Lottery, Betsi Cadwaladr University Health Board. Mon CF, and Digartref Qrf. Most of
the projects are funded year by year and although some projects ended we have been successful in alternative
bidslfunders to continue the majority of services on a similar scal¢.
Finaneial Performance
Incoming resour¢¢s in the year were £ 1,391,035 (2024 - £1.552,176). Of this £1,270,719 related to project restri¢t¢d
activitles (2024 - £1,383,542). Overall there was a n¢t suo)lus for the year of £46.114 {2024 - £38,050).
. Savln
Th¢ scope for budg¢t r¢du¢tion 15 limited as a result of savings made in recent years. Due to us offering a hybrid
working patt¢rn to our team we have made savings on office ov¢rheads. Addirionally9 we have made savings by
Collaborating on Projects with the local authority, and other appropriate partners and we work with National Citizens
Advice and other local Citizens Advice to collaborate across Wales and England.
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CANOLFAN CYNGHOiU YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
Year End Position and Movement in Reserves
The purpose of reserves and the balance on each is shown at note 15 of thc accounts. The available unrestrict¢d
funds stand at £880,31 I, with £426,455 of this being treated as designatcd fimds.
Reserves Polic and Goin Concern
Thc Board of Trnst¢¢s rcvicws our rescrvcs quartcrly. Although Ynys Mon CA h&s successfully fund¢d its activities
from th¢ available cor¢ 2nd projcct fijnding ovcr thc last fcw y¢ars. tbe trust¢¢s recognise that the organisation is
vulnerable to economic downturns.
It considers that the organisation needs to hold reserves to protect core activities, which means being able to fund
obligations, including potential redundan¢y costs in the event of loss of grant. and to enable balan¢¢d Strategic planning,
To support its ain4 the Board ¢onsider it appropriate to hold general r¢s¢rv¢s which is sufficient to rontinu¢ running the
organisation for at least nine months. It ha5 established a contingency reserve (£69,452) and redulldancy reserve for
MAS project (£7,003) to enSUTe that there are sufficient funds to pay committed costs such as redundancy payments,
leasing commitments, etc in the event of the chaTSty being wound up.
The charity's survival is largely dependent on fimding from local authorities and governrnent agencies. The financial
ststements have been prepared on the assumption that adequate fimding will be availabl¢ in th¢ futur¢ and th¢r¢for¢ th¢
truste¢s Consider it appropriate to prepare the fmancial statements on a going conc¢rn basis.
Investment Poll¢
Most of the charity's ill¢Dme is sp¢nt in th¢ year it is rec¢ived. Funds held in reserve are intended to be available to
cover short tern) running costs, or costs of winding up projects. The new property reserve may well be required in the
future. This means funds are not available f4)r long terni investment. At the balance sheet date, surplus cash was held iti
interest bearing accounts (£513k and £85k) and in an AAA rated deposit fund (£94k). The investment policy has been
reviewed and the intention is to diversify the investments lo intcrest bearing accounts with a limit of £85k each in
nornial circumstances and to litnit the deposit fund to £IOOk.
Objective I: Enlarging & d¢veloping our WOTkfor¢e by increasing and r¢taining volunt¢¢r5 to incr¢as¢ capacity to meet
demand and offer a variety of opportunities and roles to volunteers
Objective 2: Trdnsfonn the advice giving PTocess - improve self-help opportunities, increase access to initial telephone
services and maintain current number of channels foT seryice delivery
Obj¢ctiv¢ 3: Exl¢nding our Research & Campaigns work - incrcase & improve the quality of our client evidence. work
with partners to raise proflle of social policy
Objective 4: Developing preventative services - attempiing to reach people at the fust sign of need
Objective 5: Developing new initiatives into our seryice delivery - listening to our clients, reviewing our dala and
r¢a¢ting to provid¢ a s¢rvice that m¢¢ts thos¢ n¢¢ds
Objective 6: Building equality and diversity into everything we do through ¢ontinued commitnient to equality and
understanding of what equality and diversity means to our clients and incorporate that into our planning and service
delivery.
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CANOLFAN CYNGHORI IT4YS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
STRUCTURE, GOVERNANCE AND MANAGEMENT
Governing document
Canolfan Cyngbori Ynys Mon Citizens Advice Bureau is a Tegistercd charity and a company limited by guarantee.
Canolfan Cynghori Ynys Mon Citizens Advice Bureau is also known alld ￿f¢T￿ed to as Citiz¢ns Advic¢ Ynys Mon or
Ynys Mon CA. The maximum liability of each member is lirnitcd to £1. At 31 Marcb 2025 the cornpany had 19
members (19 - 3110312024) Canolfan Cynghori Ynys Mon Citizens Advice Bur¢au is gov¢rned by its Memorandum and
Articles of Association as amended on 27 October 2016.
Canolfan Cynghori Ynys Mon Citizens Advice Bureau was incorporat¢d as a company lirnited by guarantee on 24
Dccemb¢r 1998.
The charitable company cornmen¢cd operations on l April 1999 at which date the assets and
liibilitics of the unincorporated Holyhead & District Citizens Advi¢¢ Bw¢au were acquired.
Recruitment and appointment of neiv trustees
As set out in the Articles of Association the number of truste¢s in total shall not be more than 15 and not less than 3 and
consists of..
a) ¢l¢¢t¢d trnstees, of whom there shall Dol be no more than 10
b) trustees, nominated by member organisations and
) Co-opted truslees, who may be appointed and removed at any time by the Board, providing that on appointm¢nt th¢
total number of co-opted and nominat¢d trust¢es does not exceed one third of the total numbers of tlustees.
At the Annual General M¢¢ting all ¢lected irustees shall retire from office at the third annual g¢n¢ral m¢¢ting following
the annual general meeting at which th¢y w¢re elected but may be re-elected. All nominated or co-opted trnstees shall
retire from office at the third annual general meeting following th¢ ordinary meeting of the trustee board at which they
were appointed but may then be elected or re-appotnted.
Organisational structure
Citizens Advice Ynys Mon is governed by its Trust¢e Board which is responsible for setting the strategic direction of
the organisation and the policy of the charity. The Twst¢¢s ¢any the ultimate responsibility for the conduct of Citizens
Advic¢ Ynys Mon and for ¢nsuring thai the charity satisfies Ats legal and contractual obligations. Trust¢es m¢et as
minimum quarterly and delegat¢ th¢ day-to-day operation of the organisation to the CEO. Th¢ Trust¢¢ Board is
independent from management. A register of members, interests is maintained at th¢ register¢d office, and is available
to the public.
Induction and training of new trustees
Trustse induction and training is a key part of making them an effective trustee and identifying the needs of the new
trust¢c and ways to support them. Mcmbcrship requirements specifies that all new trustee members are inducted and
trained in a timely fashion and understand their responsibilities. Trustees are inductcd via visiting th¢ Ch2rity. mccting
staff and volunteers, obtaining induction activities. gaining an introduction into the Charity Manag¢m¢nt Inforniation
System and other trustee resources.
Key management remuneration
The rernuneration of paid staff is set by reference to norn]s in the voluntary sector and in particular Citizens Advice in
the region.
Wider network
The charity is a m¢mber of Citizens Advice (Natiollal Association of Citizens Advice Bureaux). Membership of
Citizens Advicc coThf¢rs rights and responsibilities. The conditions for granting Membership are compliance witb the
Membership Scheme quality assurdnce 5tandaTd. The charity agrees to submit itself to periodic audits as is reasonably
Tequired and to provide access to Citizens Advice stsff or any other person authorised by Citizens Advice. The Charity
has to ensure that its governing body can dcmonstrate responsibility, accountability and compliance with ststutory
legislation and show that its decisions are based on clear und¢TStanding of the relevant issues.
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CANOLFAN CYNGHORI TrNYS MOIY CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
STRUCTURE, GOVERNANCE AND MANAGEMENT
Related parties
Citizens Advice Ynys Mon 15 a member of Citizens Advi¢e, the operating name of the National Association of Citizens
Advice Bureaux, which provides a framework for standards of advice and casework rnanagement as well as monitoring
progress against these standards. Operating poli¢ies are independently d¢t¢rniined by th¢ Trust¢¢ Board of Citiz¢ns
Advice Ynys Mon in order to fulfil its charitable objects and comply with th¢ national m¢mb¢rship r¢quir¢m¢nts.
Th¢ charity also co-op¢rat¢s and liaises with a number of other advisory services, local charities and social services
departments on behalf of clients. Where on¢ of the trustees holds the position of trusteeldirector of another charity they
may be involv¢d in discussions regarding that other charity but not in the ultitnate deeision-nTrking process.
Risk management
Citizen Advice Ynys Mon has worked on a Cotporate Risk Management exercise. A risk management strategy and
risk register were agreed by the Trustee Board. The Trustees recognise that any major risks to which to which the
charity is exposed need to be reviewed and systems put in pla¢e to mitigate those risks. To that end Citizens Advice
Ynys Mon is continually monitoring and managing its risk, reviewing the corporate risk register and ¢nsuring action
plans are in place to mitigate its key risks.
In¢lud¢d in ¢xt¢rnal risks is that of th¢ loss of funding. The ¢ff¢cts of this have been minimised by the procedures in
plac¢. which hav¢ r¢$ult¢d in funding being secured from a variety of sources. The charity Continues to seek to
diversify its funding SOUTce5. Internal risks are minimised by the implementation of proceduTes for authorisation of all
transactions and projects and to ensure consistent quality of delivery for all operational aspects of the charitable
company. These procedures are periodically reviewed to ensure that they still meet the needs of the charity.
Annual Statement of Internal Control
The charity trustee board bas approved an InfornMtioD Assurance Strategy? having identified the risk Presented by the
significant amounts of client data held in the charity. An informatioll assurance managem¢nt t¢am ¢xists to ensure the
confidentiality, integrity and availability of all our sensitive data assets is DJaintsin¢d to a l¢v¢l which is consistent with
the r¢quirem¢nts of our ¢li¢nt5, our fund¢rs and our strategic partners. The charity aim5 to achieve an appropriate level
of wmplian¢¢ to th¢ Data Protection Act, th¢ Cabinet Office's Security Policy FrarnewoTk and to industy best practice,
as defined by the ISO 27000 series of standards.
REFERENCE AND ADMINISTRATIVE DETAILS
Reglstered Company number
3688949 (England and Wal¢s)
Registered Charity number
1074170
Registered offiee
44 Market Street
Ground Floor Offices
Holyhead
Anglesey
LL65 IUN
Page 8

CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
Trustees
H D Evans (Vice Chair)
A Rowlands (Chair from 24.4.25)
M Salisbury (Chair) (rcsigncd 24.4.25)
R Bonwick Salisbury
S C Closs-Davies
T AParry
S Khade (appointed 25.8.25)
Company Secretary
Dsowen
Senior Statutory Auditor
Colin Bell FCCA
Audltors
Williams Denton Cyf
Charter¢d C¢rtifi¢d Accountants
Statutory Auditors
Glaslyn
Ffordd y Parc
Parc M¢nai
Bangor
Gwyn¢dd
LL57 4FE
Solicitors
T R Evans Hughes & Co
Victoria Chamb¢rs
Holyhead
Anglesey
LL65 IUR
Key Management Personnel
Mrs J Blackwell (Chi¢f Executive to 31.03.25)
Miss D S Owcn (Chief Executive from O1.04.25)
Miss D S Owen (Operations Manager to 31.03.25)
Ms C Jones (Operations Manager from 01.04.25)
Ms C Morgan-Jon¢s (Finance Manager to 05.12.24)
Mrs C A Ow¢n (Finance Manager from 06.12.24)
Bankers
Barclays Bank PIC
273 High Street
Bangor
Gwynedd
LL57 IUE
Page 9

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 MARCH 2025
STATEMENT OF TRUSTEESf RESPONSIBILITIES
The trustees (who are also the directors of Canolfan Cynghori Ynys Mon Citizens Advice Bureau for the PUTposes of
company law) are responsible for preparing the Report of the Trustees and the financial statements in accordance with
applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice)
including Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and Republic of
treland"
Company law Tequires tbe trustees to prepare fjnancial statements for each financial ycaT. UndeT that law, the trustces
have elected to prepare the financial stateTnents in accordance with United Kingdom Generally Ac¢epi¢d Accounting
Practi￿ (United Kingdom Accounting Standards and applicablc law).
Under company law the trustees must nol approve the financial ststements unless they are satisfied that they give a true
and fair view of the stats of affairs of the ¢haritabl¢ company and of th¢ incoming resources and applicalion of
resources. including the income and ¢xp¢nditt￿¢, of th¢ charitabl¢ company for that period. In preparing those fmancial
statements, th¢ Irust¢e$ are r¢quir¢d to
s¢l¢cÉ suitabl¢ accounting policies and then apply them consistently"
observe the methods and principles in the Charities SORP.
ake judgements and estimates that are reasonable and prudent.
prepare the financial statements on the going concern basAS unless it is inappropriate to presun]e that the charitsble
company will continue in business.
The trustees are respollsible for keeping proper accounting records which disclose with reasonable accuracy at any time
the finan¢ial position of thc charitablc company and to enable them to ¢nsure that the financial statements comply with
th¢ Compani¢s Act 2006. They ar¢ also r¢sponsibl¢ for saf¢guarding the assets of the charitable company and hence for
taking r¢asonable steps for th¢ prevention and d¢t¢ction of fraud and other irregularities.
STATEMENT AS TO DISCLOSURE OF INFORMATION TO AUDITORS
So far as the trustees are aware. there is no relevant inforniation (as defined by Section 418 of the Companies Act 2006)
of which the charitable con]pany's auditors are unaware, and each trnstee bas taken all the steps that they ought to have
taken as a trustee in order to make them aware of any audit infomjation and to establtsh that the charitable companys
uditors are aware of that inforniation.
AUDITORS
The auditors, Williams Denton Cyf. will be proposed for re-appointsnent at th¢ forthcoming Annuaj G¢n¢Tal M¢¢ting.
This report has be¢n PT¢par¢d in accordan¢¢ with th¢ sp¢cial provision5 of Part 15 of the Companies Act 2006 relating
to small ¢ompani¢s.
Approved by order of the board of trustee5 on 19 November 2025 and signed on its behalf by:
H D Evans (Vice Chair) - Trnstee
Page 10

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
Oplnlon
We have audited th¢ financial statements of Canolfan Cynghori Ynys Mon Citizens Advice Bureau (the '¢haritable
company? for th¢ year ended 31 March 2025 which comprise the Stat¢m¢nt of Financial Activities, the Balance Sheet,
the Cash Flow Statement and notes to the financial statcments, including a summary of significant accountiThg policies.
The fmancial reporting framework thal has been applied in th¢ir preparation is applicable law and United Kingdom
Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting
Standard 102 The Financial Reporting Standard applicablc in the UK and Republic of Iteland,.
In our opinion the financial 5taternents:
give a true and fair view of the state of th¢ charitabl¢ company's affairs as at 31 March 2025 and of its incoming
resources and application of rcsour¢¢s, including its income and expenditlwe, foT the year then cnd¢d.
have been properly prepaTed in accordanc¢ with United Kingdom Generally Accepted Accounling Practice.
including Financial Reporting Standard 102 The Financial Reporting Standard applicabl¢ in th¢ UK and R¢public of
Ireland and
have been prepared in accordance with the requirements of the Cornpanies Act 2006.
Basis for opinion
We conducted our audit in accordance with International Standards on Auditing (UK) (ISAS (UK)) and applicable law.
Our responsibilities und¢r thos¢ standards ar¢ further described in the Auditors, responsibilities for the auth't of the
financial stxtcments section of our r¢port. W¢ are independent of the cbaritabl¢ company in accordance with the
¢thical requiTem¢nts tbat are relevant to our audit of the fjnancial statements in th¢ UK, including the FRC'S Ethical
Standard. and we have fvlfill¢d our other ethical responsibilities in accordance with these requirement5. We believe
that the audit evidence we have obtained is sufficient and appTopriate to provid¢ a basis for our opinion.
Conelu$lons relating to going coneern
In auditing the fmancial statements, we have concluded that the trust¢es' us¢ of the going concern basis of accounting in
tbe preparation of the f￿anCIaL statements is apprnpriat¢.
Based on the work we have perfornied. w¢ bav¢ not identified any material uncertainties relating to events or conditions
that, individually or collectively, may cast significant doubl on the charitable company's ability to conlinue as a going
conc¢rn for a period of at least twelve months from when the fmancial statements ar¢ authorised for issue.
Our responsibilitles and th¢ r¢sponsibilities of the trustees with resp¢¢t to going concern are described in the relevant
sections of this r¢port.
Other Informatiott
The trustres ar¢ responsible for the other inforniation. The other infOrn￿tIon comprRses the infom]ation included in the
Annual Report, other than the financial stst¢m¢nts and our Report of the Independent Auditors thereon.
Our opinion on the financial statements does not cover the other infonnation and, except to th¢ ¢xtmt otherwis¢
explicitly stated in our report, w¢ do not express any fonn of assurance ¢onclusion thereon.
In connection with our audit of the financial slatements, our responsibility is to read the other infonnation and, in doing
so, consider whether the other information is matcrially inconsistent with the financial statements or our knowledge
obtained in the audit or otherwise appear5 to b¢ mat¢rially misstated. If we identify such matcrial in¢onsist¢n¢i¢s or
apparent material rnisstatements, wc arc required to deternline whether this gives risc to a matcrial misstxt¢m¢nt in th
rinaneial statements themselves. If, based on the work we have perfornied, we conclude that there is a nmterial
misstat¢ment of thi5 Othcr inforniation. we are required to report that fact. Wc have nothing to report in this regard.
Opinions on otber matters prescribed by the Companies Act 2006
In our opinion. based on tbe work undertaken in the Cour￿ of the audit..
the inforniation given in the Rcport of the Trustees for the financial y¢ar for which the finan¢i31 statemenls a
prepared is consistent with the financial statements. and
the Report of the Trustees has been prepared in accordanc¢ with applicable legal requirements.
Pagell

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
Matters on which we are required to report by exception
In the light of the knowl¢dge and understanding of the charitable company and its environment obtained in the course
of the audit, we have not id¢ntifi¢d material misstatrments in the Report of the Trnstees.
We have nothing to report in respect of the following matt¢rs wh¢r¢ th¢ Companies Act 2006 requires us to report to
you if, in our opinion-
adequate accounting recoTds have not been kept or Teturns adquate for our audit have not been received from
bTanchcs not visited by us" or
thc financial statements are Ttot in agreement with the accounting r¢￿rdS and returns. or
certain disclosures of trustees, rcmuneration specified by law are not made" or
we have not re¢¢ived all the inforni8tion and explanations we require for our audit" or
the trnstees were not entitled to tak¢ xdvantsgc of the small companies exemption from the requirement to prepar¢ a
Strategic Report or in preparing th¢ Rcport of thc Trustees.
Responsibilities of trustees
As explained more fully in the Statement of Trnstees, Responsibilities. the trnstees (who ar¢ also th¢ directors of the
charitsble company for the purposes of company law) are responsible for the prepardtion of the financial st2tcments and
for being satlsfjed that they give a true and fair view, and for such internal control as the trustees deterniinc is necessary
to enable the preparation of fmancial stat¢m¢nts that are free from material misstatemenl. whether due to fraud or e￿Or.
In preparing the financial ststements, the trustees are Tespon5ibl¢ for assessing the chaTitsble company's ability to
continue as a going conccm, disclosing, as applicable, matters relat¢d to going conrKrn and using the going concern
basis of accounting unless the trustees either intend to liquidate the charitabl¢ company or to ¢¢as¢ op¢rations, or have
no r¢alisti¢ alternative but to do so.
Our responsibilities for the audit of the financial statements
Our objectives are to obtain reasonabl¢ assuranc¢ about whether the fmancial statements as a whole are free from
material misstatement, whether due to fraud or e￿0[, and to issu¢ a Report of th¢ Indq)¢nd¢nt Auditors that includes
our opinion. Reasonable assurance is a high level of assurance, but is not a guarant¢e that an audit conducted in
accordance with ISAS (UK) will always detect a material misstatement when it exists. Misstatem¢nts can arise from
fraud or error and are considered material if, individually or in the aggregate, they could reasonably bc expected to
influence the exonomic decisions of users taken on the basis of these financial statements.
The ¢xt¢nt to which our pro¢¢dures are capable of detecting irregularities, including fraud is detailed below:
Based on our understanding of th¢ charitable company and the environment in which At operates, we considered the risk
of acts by the charitable company that were contrary to applicable laws and regulations, including frau¢ and designed
audit procedures in response to this risk. W¢ f￿ll$S¢d on laws and regulalions which could give rAse to a material
misstatem¢nt in the financial statements, including. but not limited to, Companie5 Act 2006 and Chariti¢s Act 2011.
Our t¢sts included:
- enquiring WAth m2nag¢mcnt of any known or suspected ifTegulaTitie4 including fraud.
evaluating the ad¢quacy of intcrnal controls designed to detect OT PTevent iTregularities, including the risk of
management override.
- agreeing the amounts and disclosures in the fmaneial statements to underlying supporting documcntation"
- testing journal entries to identify unusual transactions;
- evaluating whether there was evidence of management bias on key judgements and acc4)unting estimates.
- reading the minutes of meetings of those charged with governance'and
- cnquiring of management as to acbjal or potential litigation and claims.
Page 12

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF
CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
There are inherent limitations tn th¢ audit procedures described above. The more removed that financial transactions
arc from the laws and rcgulations, the less likely it is tbat we would be￿me aware of non-compliance. Auditing
standards also limit the audit pro¢¢dures required to identify non-compliance with law5 and regulations to cnquiry of
trustees and manageinent, and the inspection of regulatory and legal correspondence, if any.
Material misstatetnents that arise due to fraud can be hard¢r to detect than those resulting from errors, as fraud may
involve deliberdt¢ concealment or collusion.
A further description of our responsibilities for the audit of the financial statements is loCa￿d on the Financial
Reporting Council's websit¢ at www.frc.org.uklauditorsr¢sponsibiliti¢s. This description fornis part of our Report of the
Independent Auditors.
Use of our report
This report is mad¢ solely to the charitable company's memb¢rs, as a body, in accordance with Chapt¢r 3 of Part 16 of
the Companies Act 2006. Our audit work has been undertaken so that we might state to the charitabl¢ ￿MpanY'S
members those matters we are required to stats to th¢m in an auditors, report and for no other PUIPOse. To the fullest
extent perniitt¢d by law, we do not a¢c¢pt or assume responsibility to anyone other than th¢ charitable company and the
¢haTitabl¢ company's members as a body, for our audit work, for this report. or for the opinions we have forn]ed.
Colin Bell FCCA (S¢nior Statutory Auditor)
for and on behalf of Williams Denton Cyf
Chartered Certificd Accountants
Statutory AuditOTS
Glaslyn
Ffordd y Pa
Parc Menai
Bangor
Gwynedd
LL57 4FE
Date..
Page 13

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
STATEMENT OF FINANCIAL ACTIVITIES
(INCORPOtL4TING AN INCOME AND EXPEIYDITURE ACCOUNT)
FOR THE YEAR ENDED 31 MARCH 2025
2025
Total
fund$
2024
Total
funds
Unrestricted
funds
Restricted
funds
Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
1,016
1,016
204
Cbaritsble Activities
Advice and Inforniation Seryice
103,750
1,270,719
lJ74,469
1,535,650
Other trading activities
Investment income
666
14,884
666
14,884
3,070
13,252
Total
120,316
1,270,719
1,391,035
1.552.176
EXPENDITURE ON
Charitable aetivities
Advice and Inforn]ation Service
70.712
1,274,209
l J44921
1,514,126
ET INCOMEI(EXPENDITURE)
Transfers betsveen funds
49,604
{7,651)
(3,490)
7,651
46,114
38,050
15
Net movement in funds
41953
4,161
46,114
38,050
RECONCILIATION OF FUNDS
Total fimds brought forward
838J58
50,287
888,645
850,595
TOTAL FUNDS CARRIED FORWARD
880
54,448
934 759
888.645
CONTINUING OPERA TIONS
All income and expenditure has arisen from continuing activities.
The notes forni part of these financial statements
Page 14

CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
BALANCE SHEET
31 I¥IARCH 2025
2025
Total
funds
2024
Total
funds
UDTestrict¢d
funds
Restrict¢d
funds
Notes
FIXED ASSETS
Tangible assets
12
1,623
1,623
5,027
CURRENT ASSETS
Debtors
Cash at bank and in hand
13
21,287
901,753
48,040
18,033
69,327
919 786
80,688
815,574
923,040
66,073
989,113
896.262
CREDITORS
Amounts fa]ling due within one year
14
(44,352)
(11,625)
{55,977)
(12.644)
NET CURRENT ASSETS
878,688
54.448
933 136
883,618
TOTAL ASSETS LESS CURRENT
LIABILITIES
880,311
54,448
934,759
888.645
NET ASSETS
880Jii
54,448
934,759
FUNDS
Unrestricted funds
Rcstrict¢d funds
15
880,311
54,448
838,358
50,287
TOTAL FUNDS
934,759
888,645
These financial stal¢ments have been prepared in accordan¢¢ with the provisions applicable to charitable compani
subject to th¢ small ¢ompanies regime.
Th¢ financial statements were approved by the Board of T￿Ste¢S and authoris¢d for issue on 19 November 2025 and
were signed on its beha]f by:
H D Evan5 (Vice Chair) - Trnstee
S C Closs-Davi¢s - Trustee
The notes forn] part of th¢s¢ financial statements
Pag¢ 15

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
CASH FLOW STATEMENT
FOR THE YEAR ENDED 3114iARCH 2025
2025
2024
Notes
Cash flows from operatlng actlvltles
C&sh generated from operations
89.328
18.084
Net rash provided by operating activities
89,328
18,084
Cash flows from investing activities
Interest received
14,884
13.252
Net &2sh provided by investing activities
13,252
Change in cash and ea5h equivaleDts in
the reporting period
Cash and cash equivalents at the
beginning of the reporting period
104212
31,336
815.574
784,238
Cydsh and ¢Ydsh eqvivalents Rt the end of
the reporting period
919 786
815 574
The notes forni part of these financial statements
Page 16

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE CASH FLOW STA TEMENT
FOR THE YEAR LNDED 31 MARCH 2025
RECONCILIATION OF NET INCOME TO NET CASH FLOW FROM OPERATIING
ACTIVITIES
2025
2024
Net income for the reporting period (as per the Statement of Flnancial
Activities)
Adjustments for:
Depreciation charges
Interest Teceived
Decreasel(increase) in debtors
Increasel(decrease) in creditors
46,114
38,050
3,404
(14,884)
11,361
43,333
3.404
(13.252)
{9.604)
Net cash provided by operations
18,084
ANALYSIS OF CHANGES IN NET FUNDS
At 1.4.24
Cash flow
At 31.3.25
Net cash
Cash at bank alld in hand
815,574
919 786
815 574
104.212
919,786
Total
815.574
104,212
919 786
Tl)e notes fonn part of these financial ststem¢nts
Page 17

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
ACCOUNTING POLICIES
Basts of preparing the financ1￿ st*tements
The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been
prepared ill accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities.. Statement
of RecommeDded Practice applicable to charities preparing their accounts in accordance with the Fsnancial
R¢porting Standard applicable in thc UK and R¢publi¢ of Ircland {FRS 102) (¢ff¢ctiv¢ l January 2019),,
Financial Rcporting StandaTd 102 Thc Financial R¢porting Standard applic&bl¢ in thc UK and R￿ublIC of
Ir¢land' and th¢ Companics Act 2006. Th¢ fin8n¢ial statcm¢nts h&v¢ b¢en prepared und¢r thc historical ¢ost
¢onvcntion.
The trnstees consid¢r that there are no material uncertainties about the charity's ability to continue as a going
concern.
Intome
Income from grants and contrdcts, sundry income.. including capital grants, is recognised once the charity has
entitlement to the income, it IS Probably that the income will be received and the Amount of the income
recelvable can be measured reliably except for.
When it is specified that income from grants and contracts received by the charitsble company are to be used in
ture periods, then the income is deferred until that period.
When conditions are imposed wbich have to be fulfilled before the charitable company becomes entit]ed to use
such incom¢, the incom¢ is defwred and not included in incoming resources until the pre-conditions for use hav¢
been met.
When specified, income including capital grants, is for a particular restricted Purpose, which does not amount to
pre-conditions regarding entitlement, this income is included in incoming resources of restricied funds when
receivable.
Donations are recognised when the charity has been notified in writing of both the amount and settlement date.
In the event that a donation is subject to conditions that require a level of perforn]ance before the charity is
entitled to the funds, the income is deferred and not recognised until those conditions are met.
Interest on funds held on deposit oi loans provided is included when receivable and the amount can be measur¢d
reliably by the charity; this is norn]ally upon notification of the interest paid or payable.
Expenditure
Liabilities are Tecognised as expenditure as soon as there is a legal or constructive obligation committing the
charity to that expenditure, it is probable that a transfer of economic benefits will bc required in settlement and
the amount of the obligation can be mexsur¢d reliably. Expenditure is aceounted for on an accrnals basis and has
been classified under h¢adings that aggregate all cost related to the calegory. Where costs cannot be dir¢ctly
attributed to particular headings they have been allocated to activities on a basis consistent wiib the llse of
resources.
Allocation and apportionment of costs
Certain expenditure is directly attributable to sp￿]fIC activities and has been included in those cost categories.
Certain other costs, which are attributable to more than one activity, are apportioned across cost categorie5 on
the basis of an estimate of the proportion of tirne spent by stsff on those activities or estirnated usage.
Tangible fixed assets
Tangible fixed assets for use by the ¢harity are ststed at cost or valuation or in cases where fLxed assets have
been donated at valuation at the time of acquisition, less depreciation. The cost of minor additions or thos¢
costing less than £l.000 are not capitslised.
Page 18
continued...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FJNANCIAL STATEMENTS - eonlinued
FOR THE YEAR ENDED 31 MARCH 2025
ACCOUNTING POLICIES - continued
Tangible fixed assets
D¢pr¢¢iation has been Provided at the following rates in order to writ¢ down the cost or valuation less estimated
residual valu¢, of all iangible fixed assets by equal annual instalments ov¢r th¢ir ¢xp¢¢t¢d us¢tul lives- .
Fixtures and Fittings
25 /0 per annum straight line
Taxation
Th¢ charity is exempt frorn COfPOTation tsx on its charitsble activities.
Fund accounting
Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the truste¢s.
D¢sÈgnated funds aTe unrestricted funds earn]arked by th¢ trust￿ for a particular putposg.
R¢stricted funds can only be used for particular i¢strict¢d purposes Wlthin the objects of the charity.
R¢5trictions arise when sp¢cifi¢d by the donor or when funds are raised for particular restricted PUTpose5.
Further explanation of the nature and purpose of each fund is included in th¢ notes lo the financial stat¢m¢nls.
Penslon costs other post-retirement benefits
The charity operates a d¢fin¢d contribution pension scheme for its current employees. Contributions payabl¢ to
the charity's pension scheme are charged to the Stst¢m¢nt of Financial Activities in the period to which they
relat¢.
Related parties
Du¢ to the nature of the charitys operations and the composition of the board of trustees it is inevitable that
transactions will lake place with organisations in which a member may have an interest. All transactions
involving organisations in which a tnjstee may have an interest are conducted at am's length. The Charity has
policy that all trustces must declare an interest if a related party transaction occurs.
DONATIONS AND LEGACIES
2025
2024
Donations
1,016
204
OTHER TIL4DING ACTIVITIES
2025
2024
Sundry income
666
3,070
Page 19
continued..

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 MARCH 2025
INVESTMENT INCOME
21125
2024
D¢posit account interest
14,884
13,252
INCOME FROM CHARITABLE ACTIVITIES
Grants and Contr2¢ts
UDrestrieted
Restricted
2025
2024
Ynys Mon County Council - Core
Ynys Mon County Council - Other
NACAB
A￿esS to Justice
Big Lottery Fund
Mon CF
Digartref Cyf
Tudor Trust
Betsi Cadwaladr Health Board
73,750
30,000
73,750
95225
978,884
73.750
56.250
1,107.615
20,756
36,000
53,159
26,158
32,000
129,962
65,225
97&884
36,720
70,853
37,740
36,720
70,853
37,7411
81,297
81297
Tot21
103,750
1,270,719
1,374,469
1,535.650
CHARTTABLE ACTIVITIES COSTS
Support
costs (see
note 7)
Direct
Costs
Totals
Advic¢ and Infornmtion Service
1,211,645
133,276
1344 921
SUPPORT COSTS
Governance
costs
Management
Totals
Advice and Inforn)ation S¢rvice
116 738
133
NET ll¥COMEI(EXPENDITURE)
Net incom¢l(¢xp¢nditur¢) is stated after chargingl{crediting):
2025
2024
Auditors, remuneration
Other non-audit services
Depreciation - owned assets
6,900
8,468
6.600
8,482
3,403
Page 20
conlinued...

CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS - Continued
FOR THE YEAR ENDED 31 MARCH 2025
TRUSTEES, REMUNERA TION AND BENEFITS
No tNste¢s r¢¢eiv¢d any remuneration in the year to 31 March 2025 or 31 March 2024.
Trustees, expenses
There were no
31 March 2024.
trustee5' expenses paid for tb¢ year ended 31 March 2025 nor for the year end
io.
STAFF COSTS
2025
2024
Wages and salaries
Social security costs
Other pension costs
884,7011
68J51
18,090
890,440
66.937
18,219
971,141
975,596
Th¢ average monthly number of employees during th¢ y¢ar was as follows:
2025
2024
Chief Executiv¢
Advice and Infornation Service
Administration and Support
35
34
42
42
No employees weived emoluments in excess of £60,1)00.
The charity considers its key management persom]el Compri￿ th¢ Chief Executive, Operations Manager and the
Finance Manager. Total remuneration, including employer pension Contributions. of th¢ k¢y management
personnel were £118,071 (2024 - £112,414).
The averagc monthly number of employees during tbe period is ¢alculated on the basis of full-time equivalents.
The number of stsff in the pension sch¢m¢ during the year was as follows:
31.03.25
31.03.24
Defined Contribution Scheme (Nest)
50
50
The charity made contributions to pension plans of employees during the year of £18,090 {£18219 - 2024), and
at the year end no contributions were outstanding (£nil - 2024}.
Pag¢ 21
continued...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS - ¢ODtinued
FOR THE YEAR ENDED 31 MARCH 2025
ii.
COMPARATIVES FOR THE STATEMENT OF FINANc￿L ACTlVtTIES
Unrcstrictrd
funds
Restricted
funds
Total
funds
tNCOME AIYD ENDOWMENTS FROM
Donations and l¢gacies
204
204
Cbaritable aetivities
Advice and Inforniation Service
153,751
1,381,899
1,535,650
Other trading activities
Investment income
1,427
13,252
1,643
3,070
13,252
Total
168,634
1,383.542
1,552,176
EXPENDITURE ON
Cbaritable activities
Advice and Inforniation Service
115,796
1,398,330
1.514,126
NET INCOMEI{EXPENDITURE)
Transfers behveen funds
52,838
16,540
(14,788)
{16,540)
38,050
Nel movement in funds
69,378
(31,328}
38,050
RECONCILIATION OF FUNDS
Total ￿ndS brought forward
768,981
81,614
850,595
TOTAL FUIYDS CARRIED FORWARD
838,359
50,286
888,645
12.
TANGIBLE FIXED ASSETS
Fixtures
fittings
COST
At l April 2024 and 31 March 2025
DEPRECIATION
At I April 2024
Charge for year
160,222
3,404
At 31 March 2025
163 626
NET BOOK VALUE
At 31 March 2025
At 31 March 2024
Pag¢ 22
continued..

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STA TEMENTS- contlnued
FOR THE YEAR ENDED 31 MARCH 2025
13.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2025
2024
D¢btors
Prepayments and accrued income
66,482
2,845
70,380
10,308
14.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2025
2024
Accruals and deferred income
55,977
Page 23
continu¢d...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCLIL STATEMENTS - Continued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT tN FUNDS
Net
movement
in fimds
Transfers
between
funds
At
31.3.25
At 1.4.24
Unrestricted funds
General Fund
Contingency Fund
New Propety Fund
Redundancy Reserve {MAS)
Development & Inv¢stm¢nt Fund
412,260
69,1195
300,000
7,003
49,604
{8,008)
357
453,856
69,452
300,000
7,003
50,000
838,358
49,604
(7,651)
880Jii
Restrlcted funds
Volunteer Adviser Fund
Pension Guidance
ICAN Project
Claim What's Yours
Tudor Trust
Hardship Funding Support
Advicelink Debt
Advicelink CF
Advicelink WB
FSO Help to Claim
Hclp Through Hardship
Fu¢1 Povcty Fund
HALS
Community Fund
EAP EOP
Warnier Wales
Rural Homelessness
SPF Debt
Multiply
(2,738)
5,039
(1,264)
(3,045)
(11,885)
(2,116)
(759)
(1,678)
1,119
9,558
1,738
(12)
1364
(367)
(1,000)
2,116
759
1,678
{64)
{30)
5,027
3,412
36876
23,991
1,055
9,S28
10,000
Jo,000
1,200
4,872
(878)
(191)
(226)
(1,200)
(24)
878
191
226
4,847
(947)
449
947
449
PIP O Tool¢
7,651
54,448
TOTAL FUNDS
888,645
934 759
Pagc 24
continued...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL sTATE￿IENTs - continued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT IN FUNDS - continued
N¢t movement in funds, includ¢d in the abov¢ ar¢ as follows:
Incoming
resources
R¢sourc¢s
expended
Movement
in funds
Unrestrieted funds
G¢n¢ral Fund
120J16
(70,712)
49,604
Restrieted funds
Pension Guidance
ICAN Project
Claim What's Yours
Tudor Trnst
Hardship Funding Support
Advicelink D¢bt
Advicelink CF
Advicelink WB
FSO Help to Claim
Help Through Hardship
Community Fund
EAP EOP
Wamier Wal¢s
Rural Homelessness
SPF Debt
Multiply
84,706
81297
75,600
(87,444)
(76,258)
(76,864)
(3,045)
(11,885)
(54,298)
(77,340)
(51,414)
(235,768)
(301,999)
(35,520)
(45,284)
(42J57)
(37,931)
(39,601)
(2,738)
5,039
(1264)
(3,045)
(11,885)
(2,116)
{759)
(1,678)
1,119
9J58
1300
4,872
(878)
(191)
(226)
52,182
76581
49,736
236,887
311.557
36,720
50,156
41,479
37,740
39J75
70,853
(71,8110)
25,401)
{947)
449
PIP O Toole
1270 719
1274 2119
3,490
TOTAL FUNDS
1,391,035
(J J44 921}
Pag¢ 25
continu¢d,.

CANOLFAN CYNGHOiU YNYS MON CITIZEI¥4S
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT IN FUNDS - continued
Comparatives for movement in funds
Net
movement
in fimds
Transfers
between
fimds
At
31.3.24
At 1.4.23
Unrestricted funds
General Fund
Contingency Fund
New Property Fund
Redundancy Reserve (MAS)
Development & Investment Fund
345,252
66,726
300,000
7,003
50.000
52,837
14,171
2,369
412,260
69,095
300.000
7,003
50,0(K)
768,981
52,837
16,540
838.358
Restricted funds
Volunt¢¢r Adviser Fund
Pension Guidance
Mon CF
ICAN Project
Claim What's Yours
Tudor Trust
Hardship Funding Support
Advi¢¢link D¢bt
Advicelink CF
Advi¢¢link WB
FSO Help to Claim
Force For Energy
Help Through Hardship
Fuel Povety Fund
(134)
145
(1,863)
249
(2,195)
(13,130)
(93)
(347)
(203)
1,922
(i)
(1,846)
134
(145)
1,863
(249)
5,607
51,006
3,412
36,876
(1,000)
93
347
203
(1,922)
1,846
iO,O(M)
10,000
657
358
(657)
(358)
Basic Income Pilot
COL-Subgrant
15.000
(15,652)
606
8,972
3,126
2,335
(742)
2,828
652
(606)
(8,972)
{3,126)
{2,335)
742
{2,828)
Community Fund
EAP EOP
Warnier Wales
Advicelink Winter Capacity
Rural Homelessness
SPF Debt
Multiply
221
221
81.614
16.540
50,287
TOTAL FUNDS
850,595
38,050
888,645
Pag¢ 26
continued...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCJAL STATEMENTS - continued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT IN FUNDS - continued
Comparative net movement in funds. included in the above ar¢ as follows..
Incoming
resources
Resources
expended
Movement
in thnds
Unrestrieted funds
General Fund
168,633
(115,796)
52,837
Restricted funds
Pension Guidance
Mon CF
ICAN Pioje
Claim What's Yours
Tudor Trust
Hardship Funding Support
Advicelink Debt
Advicelink CF
Advicelink WB
FSO H¢lp to Clairn
Fowe For Energy
Help Through Hardship
HALS
Basic Income Pilot
COL-SubgTant
80,845
24,668
79.962
75.600
32.000
(80.979)
(24.523)
(81,825)
(75.351)
(34.195)
(13,130)
(52278)
(76,928)
(49,936)
(165965)
(23.874)
(332J15}
{20,098}
(156.220)
(134}
145
(1,863)
249
(2.195)
(13,130}
(93)
(347)
(203)
1,922
(i)
(1,846)
657
358
52.185
76,581
49,733
167,887
23,873
330,469
20,755
156.578
(15.652)
(35,394)
(35,057)
(38,353)
(7,665)
(26,900)
(23,422)
(15,652)
606
8,972
3,126
2,335
(742)
2,828
Community Fund
EAP EOP
Warni¢r Wales
Advicelink Winter Capacity
Rural Homelessness
SPF Debi
Multiply
36,000
44,029
41.479
10,000
26,158
26,250
28,491
28,270)
221
1,383,543
1,398,330}
114.787)
TOTAL FUNDS
1.552,176
1.514,126)
38.050
Pur
ose of re$tri¢ted funds
volunt￿ Advisor Fund
Th¢ purpose of the Volunteer Advisor Fund is to support volunleers of Ynys Mon Citizens Advice Bureau by
financially assisting wilh r¢crealion and team building activities.
Pension Guidance
The purpose of th¢ Pension Wise Project is a government service set up to help p¢opl¢ understand th¢ir p¢nsion
options - Ynys Mon CAB offers face to fa¢e guidanc¢ to people approaching retirement with a defined
contribution pensions pot to make inforn)ed decisions about their pensions.
Pag¢ 27
continued...

CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS- eontinued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT IN FUNDS - continued
ICAN Pro ect
The purpose of the ICAN project is to reduce the sti8ma of m¢ntal h¢alth diagnosis and support people with low
level mental health conditions to cr¢at¢ a pathway to recovery, improving wellbeing and preventing the
development of mental health is5u¢s, Through education and support we aim to improve people's awar¢n¢ss of
how to be proactive in looking aft¢r th¢ir health and wellbeing.
Claim What's Yours
The PUTPOS¢ of the Claim Whavs Yours project is to d¢liv¢r r¢mot¢ 8eneralist welfare benefits advice via
telephone
to clients calling the Claim What's Yours helpline. and to provide follow up support via the
Claim What's Yours Tasklist.
Tudor Trust
Th¢ purpose of the Tudor Trust (I can see you now) Project to provide a face to face digital drop in advice
s¢rvic¢ through video conferencing tool (AtterAd Anywhere)
Advicelink Debt
The purpose of the Advieelink Debt project is to provide free specialist debt advice.
Advicelink CF
The purpose of the AdvicleiDk CF project is to provid¢ a range of free social welfaTe/generalist benefit and debt
advice.
Advicelink WB
Th¢ pury)ose of the Advicelink WB PToject is to provide free social welfare rights based infOrn￿tiOll across a
rang¢ of specialist welfare benefit subjects.
FSO Hel to Claim
The pulpose of the FSO Help to Claim project is to assist clients with all pot¢ntial probl¢ms that Univ¢rsal
Credit could bring, track and document the issues, and support client clients with changes and challeDges they
might face
Force for Ener
The purpose of the Force for En¢rgy Proj¢ct is to provide energy advice and support, mainly to velerans but also
to general publi¢ on Allgl¢s¢y.
Hel Throu
h Hardshi
The PUTpose of the helpline is to advis¢ ¢li¢nts in Crises that need help with immediate essentials such as food.
heating, and toiletries. The advis¢rs will h¢lp clients receive these essentials through the Trussell Trnst network
and independent foodbat)ks wh¢n th¢y cannot afford their immediate needs. Tbey will also help protect clients
remrning to Crisis by advising how to maximise their iticothe, minimise their expenses, and access avallable
grants and schemes to ensure they can afford essentAals such as, food, heating and toiletries.
Fuel Pove
Fundin
The purpose of the Fuel Poverry funding is to financially assist residents in 8¢vere hardship and fuel povety and
provide up to £200 emergency payment lo a fuel company in order to m¢¢t a local n¢ed.
Hardshi
Fundin
ort
The purpose of the Hardship fund 18 to provide financial assistance to Anglesey residents in severe hardship and
el poverty and provid¢ up to £300 in white goods/fuel voucheTslfood voucbers.
Page 28
continued...

CANOLFAN CYNGHOIU YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS - eontinued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT IN FUNDS - contlnued
HALS
The Purpos¢ of the HALS Projecl is to ¢ontinue to provide legal advice to clients who would otherwise be
d¢ni¢d access to legal advice. This is an ¢xt¢nsion to the ATJ Law Clinic Project.
Basic Income Pilot
Th¢ Purpose of the Basi¢ Income Pilot is to provide advice to young people eligible for the Welsh Governments
Basic Income pilot for care l¢av¢rs.
COL Sub2rant
The Purpose of th¢ COL subgrant is to offer support or increase direct Service delivery capacity, to hclp clients
through thc cost-of-living crisis.
Mon CF
The PUTPOSC of the Mon CF project was to work collaboratively with our partner Mon CF to assist people in the
local community who had been mad¢ redundant. Mon CF assisted them with r¢turning to paid employment
while Citizens Advice Provided help with accessing benefits, and grants to help th¢m with th¢ loss of household
income and provided advice on income max, budgeting, and employtncnt rights.
Communi
Fund
The purpose of the National Lottery Community Fund was to assist people struggling with the Cost of Living, in
particular via in-person outreach ¢vents and digital iemote VAdeo call drop-ill s¢rYiG¢ to help remove barriers to
accessing support.
EAP EOP
The pU￿oSe of the En¢Tgy Advice and Energy Outreach Project is to Provide energy advice and support to
people at risk of fuel pov¢ty, including reaching p¢opl¢ in their local events in inforniation and one-to-one
outreach ¢v¢nts.
Warn)¢r Wales
The purpose of Warn]er Wales is to provide ¢n¢rgy advice and support to p¢opl¢ at risk of fuel povety.
Rural Homelessness
The purpose of the proj¢¢t was to Work collaboratively with other key partners such as Digartref, Mind, Bwyd
Da Mon, Probation S¢rvic¢, etc for a comprehensive wrap-around support to clients that were at risk of
homelessness to h¢lp keep thern safely in their hom¢s.
SPF Debt
Th¢ purpose of this project is to work in Collaboration with the Council's financial inclusion team to help client5
ac¢¢ss income max and d¢bt support in their local communiti¢s. Du¢ to the increasing demand of people
needing support with hcalth-r¢lated fonns. Ihe projecvs focus was chang¢d from debt to benefit fonns such as
Personal Independence Payment. However, ￿17 holistic support is provided whatever the client's needs.
Advicelink Winter Ca
ci
The purpose of this project was to add furth¢r capacity to the EAP project to provide energy advice and support
to ￿Or¢ peopl¢ at risk of fucl poverty.
Multi
The purpose of the project is to help adults with no or low levels of qualificationslskills in mathematics to
develop their fmancial capability skills, by hclping thcm to use num¢Iacy to manage their money. This funding
assists adults to develop their knowledge of benefits, grants, income max, budgeting, dealing with deb¢ savings.
banking, credit and borrowing in order to empower th¢m to make changes to in¢re&s¢ their available income.
Pag¢ 29
continu¢d...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 MARCH 2025
15.
MOVEMENT IN FUNDS - continued
Pi O Toole
The purpose of the PIP O Toole ￿lld is to work with the Council's welfare benefits team to provide welfare
benefit advice and SUPPDrt with accessing and applying for health-Telated welfare benefits, such as Personal
Independence Payment (PIP). However, full holistic 511PPOrt is provided whatcvcr th¢ clicnt's nc¢ds.
Pur ose of desi
nated funds
Contin yenc
Fund
The PUTpose of the contingency fund is to maintain limited funds to m¢¢t ¢ommitt¢d ¢osts should th¢ charity b¢
wound up.
Rcdundanc Rcs¢TVC
MAS
This represents amounts received from Money Advisc S¢rvic¢ as a contribution to pot¢ntial r¢dundancy
cosls for staff ¢mploycd on this proj¢¢t.
New Pro
Fund
The purpose of designated fimd is for the purchase of aew premises in HolyheadlLlangeflli.
Develo
ment and Investment Fund
This fund is for existing and planned spend on new partnerships and opportunities and training in new digital
campaigns to reach clients.
16.
RELATED PARTY DISCLOSURES
Th¢r¢ have been related party transactions identified in accordance with FRS 102.
These were transactions between Canolfan Cynghori Ynys Mon Citizens AdvAce Bureau and Citizens Advice
(National Association of Citizens Advice Bureau) of £11,536 in relation to inforniation services and AGM
costs.
17.
TAXATION
As a charity, Canolfan Cynghori Ynys Mon Citiz¢ns Advic¢ Bureau. is ¢x¢mpt from lax on in¢ome and gains to
th¢ ¢xtent that these are applied to its charitable objects. No tax charges have arisen in the y￿.
Pag¢ 30
continued...

CANOLFAN CYNGHORI YNYS MON CITIZENS
ADVICE BUREAU
NOTES TO THE FINANCIAL STA TEMENTS - eontinued
FOR THE YEAR ENDED 31 MARCH 2025
18.
GOING CONCERN
Welsh Government funding has been s¢cur¢d to 31 March 2028, and Local Authority and oth¢r project funding
has b¢en secured to 31 March 2026. Welsh Gov¢n)ment funding will go out to tender in ￿tUre and this may
mean a significant reduction of funding for Ynys Mon. The trnstees are aware that th¢T¢ will be changes to both
W¢lsh Government and Local Authority fijnding but delails will need to be agreed. They ar¢ th¢r¢for¢ preparing
for thg potential impact on the organisation of thesc Changes and will set future budgets once the ￿ndIng
changes are known.
Bearing this in mind, th¢ trustees feel it pn￿ent to prepare the finan¢ial statements on a going concern basis as
there are resources and options available that will result in Ynys Mon CAB being able to continue to operate as
a going concern.
Page31