CHARITY REGISTRATION NO: 1074867
COMPANY REGISTRATION NO: 3731497 (England and Waleg)
THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
IA COMPANY LIMITED BY GUARANTEE)
DIRECTORS, AND TRUSTEES, REPORT AND ACCOUNTS
FOR THE YEAR ENDED 31 MARCH 2025

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
CONTENTS
FOR THE YEAR ENDED 31 MARCH 2025
Page
Legal and administrative information
Report of the trustees and directors
Report of the independent examiner
statement of financial activities
Balance sheet
Notes forming part of the accounts
9-12

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
LEGAL AND ADMINISTRATIVE INFORMATION
FOR THE YEAR ENDED 31 MARCH 2025
.DIRECTORS AND TRUSTEES:
Ms S A Spencer Grey
Mr J T Clifford
Mr G E Brown
Dr N H Graveston (resigned 5111120241
SECRETARY..
Mrs M Rusling
REGISTERED OFFICE:
Unlt1a
K3 Business Park
200 Clough Road
Hull
East Yorkshire
HU5 1SW
ACCOUNTANTS AND
INDEPENDENT EXAMINER:
KTC Accountsnts Limited
80 West Vlew
Barlby Road
Selby
North Yorkshire
Y08 5BD
BANKERS,
Virgln Money
214 Holdemess Road
Hull
East Riding
HU9 2AA

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS
FOR THE YEAR ENDED 31 MARCH 2025
The trustees, who are also directors of the charlty for the purposes of the Companles Act, present their
annual report and the accounts for the year ended 31 March 2025. The accounts comply wlth the
Charitles Act 2011, the Companies Act 2006 and Accounting and Reporting by Gharitles., Statement
of Recommended Practice applicable to charities preparing their accounls in a¢cordanc8 With th8
Flnancial Reporting Stsndard applicable in the UK and Republic of Ireland (FRS 102),
Objects of the charltyj prlnclpal actlvltles and organisation of our work
The charity is conslituted as a company Ilmit6d by guarantee, and is therefore governed by a
memorandum and articles of association. The charity was Incorporated on the 9 March 1999.
The charity's objectives and ils prinGipal activiti@s continue to be those of providing immediate and on
going support to veterans and their families who have served in the Gulf Conflict 1990-1991, Iraq 20Q3-
2009 and Afghanislan 2001.2014. We offer Ihis support to persons who do not have any illnesses or to
those persons who are, or have been, suffering medical or psychiatric disorders since their service in
any of these conflicts.
The charity is organised so that the trustees meet regularly to manage its affairs. The charity has a full
time general manager and a full time admlnistrator who together manage the day to day operations of the
charity, the administrator is assisted by two further part time employees,
Appointment of trustees is governed by the Articles of the Company and the Board Is authorised to fill
vacancles arislng thrcugh resignatlon or death of an exlsting trustee on a temporary basis until the next
Annual General Meeting.
Development8, activities and achievements durlng thls year
During the financial year 2024-2025 flexible working and digital technologies that came to the fore during
COVID have now become embedded into our everyday work praclices, and further compliment our
investtnent in our digital Cuslomer Relationship Management ICRM) system, our effective and compliant
data and cyberseGurify and IT support lo protect against data breaches or cyber-altacks.
2024-2025 has continued to be challenging and unpredictable for charitles including the NGVFA and
sector forecasts suggest that this will not ¢hango in the coming year. For us, these financial challenges
culminated in December 2024 when our landlords of over 10 years, declared thal the rent for our offices
was going to double. This necessitated a search for new affordable premises, which we did find and have
since moved to, but this was very stressful for staff and Gaused additional expense for the charity. We thank
our stsff, volunteers and members for the extra time and effort they made to secure the charity's new home.
Through thls change we also develDped new collaborations and relationships with other charities and
companies, it also gave us the opportunity to review and confirm that what we do is unequivoGally needed
and appreciated.
Surveys in 2024 conflrmed that the number of people livlng In financially vulnerable circumstances in
the UK had risen by 16 % since 2022 to 20.3 mlllion people, Hlgh levels of debt have also increased by
590k to 3.5 million people osing unsecured loans and buy now pay later to stay afloat,

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS
FOR THE YEAR ENDED 31 MARCH 2025
Low-income households are still the most affected by rising prices and food bank and debl advic8
charities are reporting an increase in demand for their services.
Whllst the government did provide some support for households for the cost-of-living crisis over the last
2 years, this reduced in 2024-2025, However, £421 m was made avallable to County Councils and Unitary
Authorities in England to support those most in need with the cost of essentials via the Household
Support Fund { The Fund ).
Armed Forces pensions, including war pensions, increased by 10.1 1 in line with the Consumer Pric8
Index (CPI) in 2023-24 and there was a further increase in 2024-25 of 6.7 %. However, from April 2025
pensions will increase by only 1.7 %, in Ilne with the annual Increase in the CPI up to September 2024.
However, as In previous years financial hardship is more commonly seen in Ihose with profiles very
similar to many of our members
those with moderate to severe depressive symptoms
those not in work, not seeking work and not retlred
those living in the most deprived areas of England
disebled people
The continuing conflicts in Ukraine and Russia, and In Gaza be￿een Israel and Hamas whlch also
heightens tensions in the Mlddle East, continues to have a significant impact on veterans, including our
members, especially those wlth mental health issues, such as Post Traumatic Stress Disorder (PTSD).
Increaslng anxiety, PTSD symptoms as well as feelings of guilt and helplessness.
The cosl-of-living rise affects members and staff alike, this has had an impact on the charity both
in rèspect of inGreased workload 1.8. providing direct supporl and signposting to other services, and
also in respect of running costs e.g. electricity and gas to malntain the office and staffln9.
staff and volunteers continue to support fundraising and awareness raising events including a number of
Armed Forces events throughout the UK.
The staff, volunteers and members have contlnued to provide unwavering support, commitment and
generosity to the charity as have our donors - and we, the trustees, give our heartfelt thanks for all their
sustained help and support.
The charity is a Public Benefit Entity and continues to provide services in line with its obligations
Preventlon or rellef of poverty
The charity continues to provide a wide range of advice regardlng available benefits and other financial
issues to its members. The charity provides support and representations to Its members regarding war
pension clairns, appeal tribunals and benefit claims in order for them to receive the best possible
remuneration,
Education
The charlty has produced a range of information, in both written and electronic form to advise not only its
members and thelr families but also other individuals particularly in health care and social services.

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS (Continued)
FOR THE YEAR ENDED 31 MARCH 2025
Advanc8ment of health
The vast majority of veterans who 8re members of the Charity have significant health problems, the
charity provides them with advlce and support regarding this so that they can be proactive in improving
their own health and also be able to inform individuals in the caring professions about their prcblems.
Over the last few yesrs there has been significant investment in mental health services for veterans and
their families In the NHS and voluntary sector and we contlnue to slgnpost our members to appropriate
services.
So¢ial wellbeing
The charity reviewed the provision of a respite break In 2023-24 and as a result respite has not and
will not be reinstated. We continue to develop ways and opportunities to engage with and invest in our
membership around the country. We continue to support our members wlth more emphasis fhan before
on social media, telephone and video contact.
Future Developments
2024-25 has demonslrated that running costs continue to rise, though our staff are very adept al
minimising this, but there is a narrowing gap between Income and expense, The subdued fundralslng
environment reported last year continues with both a reduction in donors and reduction in the value of
donslions madè, with a significant reduction in Indlvidual giving. Expanding upon virtual fundraising
opportunities through internet platfcmis and digital tools is suggested in the charity press along with
more flexible oiving, both are something to explore over the coming yesr.
The oharity continues to be vigilant regarding the needs of Its members and the cost of ils services,
we continually monitor and evaluate what we do to ensure that our members are al the heart of
everything we do and the declsions that are made,
We will continue to develop relationships with potential funders and to provide assurances around
good governance and best practice. We will continue to promote our public profile nationally and
locally supporting volunteers and members to help us do this effectively.
Fundamentally our objectives remaln the same, to help support our members together wlth the wlder
armed forces and veteran populations.
Trustees
Trustees, who are also the Directors for the purposes of company law, who served during the year
were,.
Dr N H Graveston (resigned 511112024)
Ms S A Spencer Grey
Mr J T Clifford
Mr G Brown
Flnanolal Revlew
The Statement of Financial Activities shows net income for the year of £2,839 and our reserves
stand at £104,023 in total. Of our reserves £103,541 arg unrestricted. Our welfare, support and
administration costs for the year totalled £107,687, as such our unrestricted reserves are within
our target paramoters of between six and twelve months of our general runnlng costs.

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS (Continued)
FOR THE YEAR ENDED 31 MARCH 2025
Reserves Polloy
The trustees have established a policy whereby the charity aims to hold unrestricted reserves of
an amount equivalent to be￿een six and twalve months general running costs, thus allowing time
for alternative funding to be sought should Sny major source of current funding be lost,
Rlsk Management
The trustees actively review the major risks which the charity faces on a regular basls and beli&ve
that maintaining reseNes at current levels, Combined with an annual review of the controls over key
financial systems, will provide sufficient resources in the event of adverse conditions.
Our Volunteers
The charity benefits from the support of a small pool of regular volunteers to whom we would like to
express our ongoing gratitude, The volunteers assist in raising awareness of the charity and our
f undraislng activities,
Trustees, responsibilities in relation to the accounts
The truste8s are responsible for preparing the Report of the Trustees and Directors and the accounts
In accordance with applicable law and United Kingdom Accounting Standards (United Kingdom
Genorally AcGepted Accounting Practice).
Company Law requires the charity trustees to prepare accounts for each year whlch give a true and
fair view of the stste of affairs of the charitable company and of the incoming resources and application
of resources, including the income and expenditure, of the charltsble company for that period.
In preparing these accounts, the trustees are required to
select suitable accounting policies and then apply them conslstently.,
observe the methods and principles in the Charities SORP.
make judgements and 8Stimates that are reasonable and prudent.,
state whether applicable UK accounting standards have been followed, subject to any material
departures disclosed and explained in the accounts.
prepare the accounts on the going concern basis unless it is Inappropriate to presuma that the charity
Wlil conlinue in operation,
The trustees are responsible for keeping proper accounting records which disclose wlth reasonable
accuracy at any tlme the financial position of the charitable company and to enable it to ensure the
accounts comply with the Companies Act 200S, They are also responsible for safeguarding the assets
of the company and hence for taking reasonable steps for the prevention and deteGtion of fraud and
other irregularities.
This report has been prepared in accordance wlth the provi8ions of Part 15 of the Companies Act
2006 relating to small companies,
THE BOARD OF TRUSTEES..
Asp
ncer Gr
Date:
28 July 2025

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF
THE M.IVI. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
I report on the accounts of the company for the year ended 31 March 2025, which are set out on
pages 7 to 12,
Respective respon8ibilities of trustees and examlner
The trustees, (who are also the directors of the charitsble company for the purposes of company law)
are responsible for th6 preparation of the accounts, The trustees consider that an audit is not
required for this year under section 144 of the Charities Act 2011 ("the Charities ACY'I and thal an
independent examination Is needed.
Having Satisfied myself that the charlty is not subjecl to audit under company law and is eligible for
independent examination, it Is my responsibillty to,,
examine the accounts under section 145 of the Charities Act,,
to follow the procedures laid down in the general Directions given by the Charity
Commisslon under section 145{5)(b) of the Charities Act; and
to state whether particular matters have come to my attentlon.
Basi8 of independent examinerfs report
My examination was carried out in accordance wlth the general directions given by the Charity
Commlssion. An examination includes a review of the accounting reGords kept by the charity and
a comparison of the accounts presented wlth those records, It also includes conslder8tion of any
unusual items or dlsclosures In the financial statements, and seeking explanatlons from you as
trustees conceming any such matters. The procedures undertaken do not provide all the evidence
that would be requlred in an audil and consequently no opinion is given as to whether the accounts
present a 'true and fair view, and the report is limiled to Ihose matters set out Sn the statement
below.
Independent examlnefs Statement
In connection with my examination, no matter has come to my attention to indicate that:
accounting records have not been kept in accordance with section 386 of the
Companies Act 2006.,
the accounts do not accord with such records..
where accounts are prepared on an aocruals basis, whether they fail to comply
with relevant accounting requirements under section 396 of the Companies Act
2006, or are nDt consistent with the charities SORP IFRS102)
any matter which the examlner belleves should be drawn to the attention of the
reader to gain a proper understanding of the accounts.
Michael Joseph Shepherd F.C.C.A.
KTC Accountants Limited
80 West View
Barlby Road
Selby
Y08 5BD
Date '.
28 July 2025

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING INCOME AND EXPENDITURE
ACCOUNTI
FOR THE YEAR ENDED 31 MARCH 2025
Unrestrlcted
funds
Restricted
funds
Total
2025
Total
2024
Notes
Incoming resources
Donations, grants and sirnilar
Memberships
Specific grants received
Respite and open days contributions
Fundraising
Interest receivable on deposits
92,951
5,155
92,951
5,155
64,595
4,855
12,519
1,261
12,S19
1.261
8,886
3,372
Total Incoming resources
111,886
111,886
81,708
Resources expended
Costs of generating funds
Fundraising costs
Charltable expendlture
Resplte and open days costs
Specific grants awarded
Tribunal costs
Coun8811ing costs
Welfare support and 8dminlstration
1,034
1,034
1,364
326
326
107,687
107,687
106,371
Total resources expended
109,047
109,047
107,735
Net incoming resourc88
2,839
(26,027
Net movement In funds
2,839
2,839
(26,027)
Fund balances at 1 April 2024
100,702
482
101,184
127,211
Fund balances at 31 March 2025
103,541
482
104,023
101,184

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REGISTERED NUMBER 3731497
BALANCE SHEET
AS AT 31 MARCH 2025
Notes
2025
2024
Flxed Assets
Tangible assets
1,219
1,434
Current a88eis
Debtors
Cash at bank and in hand
2,970
103,360
106,330
2,004
101,190
103,194
Creditors: amounts falling
due wlthln one year
3,444
Net current assets
102,804
99,750
Total assets. less
current liabilities
104,023
101,184
Income fund5
Restricted funds
10
482
482
Unrestricted funds
103,541
100,702
104,023
101,184
For the year ended 31 March 2025 the comp8ny was entitled to exemption from audit under section 477
of the Companips Acl 2006 relating to small companles.
The members have nct requlred the company to obtain an audit in acGordanGe with section 476 of the
Companies Act 2006,
The trustees aGknowledge their responsibility for complying with the requirements of the Act with respect
lo accounting records and for the preparation of accounts.
The accounts have been prepared in accordance with the provisions applicable to companies subjecl to
Ihe small companies regime.
On beh If of the Trustees
Spencer Gr
y - trust
Clifford trustee
Approved by the board on..
28 July 2025

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS
FOR THE YEAR ENDED 31 MARCH 2025
1 Accounting policies
1-1 Basis of preparation
The accounts have been prepared under the historlcal cost convention and in accordance with the
Accounting and Reporting by Charities.. Statement of Recommended Practlce applicable to charities
preparing thelr accounts in accordance with the Financial Reporting Standard applicable In the UK
2nd Republic of Ireland (FRS 1021 and the Companies Act 2006. The charity meets the definition
of a public benefit entity under FRS 102.
1-2 Incoming resources
Income is recognised when the charity has entitlement to the funds, any performance conditions
have begn met, it 18 probable the income will be recelved and the amount can be measured reliably.
1-3 Expendlture
Expenditure is recognised once there is a legal or constructive obligation to make a payment to
third paty, it is probable selllement will be required and the amount can be measured reliably.
14 Tanglble flxed assets
Depreclation is provided at the following annuol rates in order to write off each asset over its
estimated useful life..
Off ice equipment
15 % on reducing balance
1-5 Leaslng commltments
Rentals payable under operating leases are charged to the Statement of Financial Activities over
the period they are inourred.
1-6 Fund accounting
Unrestrlcted funds are donations and other incomlng resources receivable or generated for the
objects of the charity without further specified purpose and are available as general funds.
Restricted funds are to be used for specific purposes as laid down by the donor.
2 Donations, grants and similar
2025
2024
Running cost grants
General donations
89,250
3,701
58,800
5,795
92,951
64,595
Runnlng cost grants:
ABF The Soldiers, Charity
Veterans, Foundalion
Queen Mary's Roehampton Trust
The Grocers Charity
The Inman Charity Trust
Souter Charitable Trust
45,000
18,500
15,000
5,000
3,750
2,000
40,300
18,500
89,250
58,800

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS (Continued)
FOR THE YEAR ENDED 31 MARCH 2025
3 Welfare support and administration
2025
2024
staff costs . Welfare, support and advocacy
staff costs Administration
staff Gosts . Promoting awareness and events
Telephone, internet and l.T.
Postage, stationery and advertlsing
Repairs and renewals
Accountancy
Legal fees
Rent, power and servlce charges
Insurance
Depreciation of tangible assels
Event costs and sundry expenses
42,845
16,168
2q,827
7,916
1,252
104
2,520
69
12,351
1,744
215
676
41,948
15,829
21,370
7,817
1,353
2,520
48
12,902
1,569
253
762
107,687
106,371
4 Net Incomlng resources
The surplus of income over expenditure is stated after charging-
2025
2024
Depreciation of tangible assets - owned by the charity
Operating lease rentals
Independent examiner fees - external scrutiny
Independent examiner fees - accountancy and payroll services
215
11,507
300
2,220
253
11.507
300
2,220
5 Employees
No remuneration or expenses were paid lo the Irustees,
The costs of the remaining staff were.,
2025
2024
Wages and salaries
Social security costs
79,842
998
78,355
792
80,840
79,147
No employee received remuneration of more than £60,000 in either year.
Number of employees
The average monthly number of employees during the year was..
2025
Number
2024
Number
Management, administration and provision of seNices
10

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS {Contlnued)
FOR THE YEAR ENDED 31 MARCH 2025
6 Taxatlon
The charltable company is exempt from corporation tax on its charilable activities.
7 Tanglble flxed assets
Office
equipment
Totals
Cost:
Al 1 April 2024
Additions
Disposals
At 31 March 2025
29,247
29,247
29,247
29,247
Depreclatlon:
At 1 April 2024
Charge for year
Disposals
At 31 March 2025
27.813
215
27,813
215
28,028
28,028
Net book value:
At 31 March 2025
1,219
1,219
At 31 March 2024
1.434
1,434
8 Debtors: Amounts falllng due
wlthln one year
2025
2024
Prepayments and accrued incorne
2,970
2,970
2,004
9 Creditors: Amounts falling due
within one year
2025
2024
PAYE and social securlty
Trade creditors and accrued expenses
1,537
1,989
1,408
2,036
3,526
3,444
11

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS (Continued)
FOR THE YEAR ENDED 31 MARCH 2025
10
Restrlct&d funds
The income funds of the charity Include restricted funds, comprising the following unexpended balances
of donations and grants held on trust for speclflc purposes,,
Balance at
1 April
2024
Incoming
resources
Resources
expended
Balance at
31 March
2025
Respite ancl open Days
482
482
482
482
Respite and Open Days
The balance will fund future respite and open day costs,
11 Statutory Information
The charity is a private limited company, Ilmited by guarantee, reglstsred in England and Wales
where the company's registered number is 3731497, the reglSt8red office address is delailed on
page1.
12 Related Party Transactlons
The charity undertook no related paty transactions during the year.
13 Going Concern
At the reporting date the Irustees believe there are no material uncertainties about the charltls ability
tts continue for a period of at least 12 months, as such the accounts are prepared on a going concem
basis.
12