CHARITY REGISTRATK)N NO: 1074867
COIIPANY REGISTK4TION NO: 3731497 IEngland and Walo•l
THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
(A COMPANY LIMITED BY GUARANTEEI
DIRECTORS. AND TRUSTEES. REPORT AND ACCOUNTS
FOR THE YEAR ENDED 31 MARCH 2026

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
CONTENTS
FOR THE YEAR ENDED 31 MARCH 2026
Page
Legal and adrninistrative inforna￿n
Report of the trustees and directors
Report of the independent examiner
Statemonl of financial activities
Balance sheet
Notes fomiing part of the accounts

THE M.M, NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
LEGAL AND ADMINISTRATIVE INFORMATION
FOR THE YEAR ENDED 31 MARCH 2026
DIRECTORS AND TRUSTEES..
Ms S A Spencer Grey
Mr J T Clifford
Mr G E Brown
SECRETARY:
Mrs M Rusling
REGISTERED OFFICE:
Unit la
K3 Busine55 Park
200 Clough Ro&J
Hull
East Yorkshire
HU5 1SW
ACCOUNTANTS AND
INDEPENDENT EXAMINER:
C Accounlants Limited
80 West ￿￿v
Badby Road
Selby
North Yorkshire
Y08 5BD
BANKERS:
Virgin Money
214 Holderness Road
Hull
East Riding
HU9 2AA

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT AsSoC￿￿ON
REPORT OF THE TRUSTEES AND DIRECTORS
FOR THE YEAR ENDED 31 MARCH 2026
The trustees, who are also directors of the charity for the purp)ses of the Companies Act, present their
annual report and the accounts for the year ended 31 March 2026. The a¢¢ounts Comply with the
Charities Act 2011, the Companies Act 2C￿ and Accounting and Reporting by Charib'es: Statement
of Recommended Practice appllcable to chartties preparing their accounts in ac¢ordan¢e with the
Financial Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021.
Objg¢ts of thg charfty. prlnclpal actlvllles and oryan15ation of our work
The charity is constituted as a company limtted by guarantee. and is therefore governed by a
memordndum and articles of association. The charity was In￿)[￿)￿8￿ on the 9 March 1999.
The charitys objectives and its wincipal acbvities contlnue to those of providing Immediate and on
going support to veterans and their families who have served in the Gulf cOnfl￿t 1990-1991, Iraq 2003-
2009 and Afghanistan 2001-2014. We offer this support to persons who do not have any illnesses or to
those persons who are. or have teen. suffeTtng medical or psychiat￿ disorders since Iheir service in
any of these conflicts.
The charity is organis&J so that the trustees meet regulaty to manage its affairs. The charity has a full
time General Manager who manages the day-l04ay operations of the charity, and fvdo further
employees, both of whom are part lime.
Appointment of trustees is governed by the Arbcles of ihe Company and the Board is aulhorised to fill
vacanctes arising through resignation or death of an existing trustee on a temporary basis until the next
Annual General Meeting.
Developments, actlvltles and a¢hlevements durlng th18 year
The financial year 2025-2026 has highlighled the value of fiexible working and digital technologies th8t are
embedded into our everyday work practi￿S. They help support staff mental health and job satisfaction and
have increased effic(ency and reduced some costs e.g travel. Whilst remote working is supported, when
necessary, staff continue to value working together in the open plan office. Maknng the most of new ways
of working has been especially imFQrtant this year as our paKI staff numbers have reduced from 4 to 3
lone full time and 2 part timel, with our finance and administrats'on officer moving on to another organisation.
This change, whilst unexpected, was an optx)rtuntty to review rO￿s, workloads and services and to consider
innovative altematives to employing a new member of staff. We also continue lo invest in our bespoke
digital Customer Relationship Management {CRMI system. our effective and ￿MplIant data and
cybersecurity and IT support to protect againsl dats breaches or cyber-aitacks.
We have been in our new prernises for a year now and. on the whole, this is wothing well except fr)r the
heab'ng which our first winter here has demonstrated is not as effective or efficient as we had hoped. Thi
is a key improvement we ho￿ to address this year and are seeking finanGial sUPPOrt to undertake this work
The challenges in the eGonomy and ft)r Ihe Gharity sector continue as forecast last year, and again there
15 no sign at present that the economic squeeze and unpredictability of the seotor will ¢hange in the
coming year.

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS
FOR THE YEAR ENDED 31 MARCH 2026
Whilst inflation has fallen lo around 3Yo from the high of 11% reached in 2021, the cummulative effect
of rising prices means that the cost of living for many is now much higher than in 2021 and those
households struggling before the peak in inflation in 2021 are those who are most severely affected now.
Low-income households are still the most affected by rising prices and fo￿ bank and debt advice
charities continue to report an increase in demand. There ha5 been an increase in charity registrations
for organisations delivering these services. The proportion of working-age adults who cannot afford
basic items continues to increase and many househokls have low fnancial resilience and are unable
to afford an unexpected but necessary expense.
As in previous Yea￿ finanaal hardship is more commonly seen in those wth profites very slmilar
to many of our members:
those with moderate to severe depresswe symptoms
those not in work, not seeking work and not retired
those living in the m05t deprived areas of England
disabled people
The continuing conflicts in Ukraine and Russia. in Gaza ttheen Israel and Hamas and more
r?cently in Iran and Jordan continue to have a signfficanl impact on veterans, Including our members,
espe¢ially those with mental heatth issues. such as Post Traumatic Stress Disorder {PTSD). Increasing
anxiety, PTSD symptoms as well as feelings of guill and helplessness.
This year was also the 35th anniversary of the Gulfwar which started on 2nd August 1990 and ended
on 28th Fobruary 1991. Over 53.000 UK Amied Forces were deployed playing a major role in driving Iraq
forces from Kuwait, with 47 Brib'sh personnel dying as a result of the confliGL We wll remember them.
Feedback frow members and donols Gonfim15 the charTils rY)le in supporting GU￿ War veterans and
veterans from (rther desert conflicts 2nd that our seNi¢es provide essential supKx)rt and given future
predictions, these will continue to be needed.
beneYolentfund.o
ortin -yeterall￿f-the￿
If-war-35-
rs•onl
"As we mark 35 y8ars since the end ofthe Guifwar. 281h Fel)wary. we ar8 proud to highlwht our
k)ng-slanding support for th8 National Gulf Vaterans and FaM￿￿S Associats'on (NGVFAJ.
Sinc8 2002, the Anny B8nevol8nt Fund has awarded over£1 mill￿n to NGVFA, helping to su$t8in rfs
opeTrting costs 8nd ks GOTr Welfare 8nd Advocacy sgNKe.
This 188t finan¢ial ye8r, wg have awarded a £45,000 gtant to Supwrt tha vital woth Ihe Gharity delivers
for veterans and their families.
NGVFA Is committed to being a sour¢8 of hope and a$$￿tance for veternns. some of whom face
complex health end so¢i81 challenges. Its woth &mphasises the Importan￿ of communlly, understanding
and ptuactive support, ensuring that no veteTrn feels foryotten or unsupported..
Staff and volunteers continue to support fvndratsing and awareness raising events including a number of
Amied Forces events throughout the UK.

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2026
The staff, volunteers and members have continued to provide umvavering support, commitment and
98nerosity to the charity as have our donors- and we. the trustees gNe our heartfelt thanks for their
sustained help and supporL
The charity is a Public Benefft Entity and continues to provide services in line wth its oblHJation5:
Preventlon or rollef of poverty
The charity continues to provide a wide range of advice regarding available benefits and other financial
issues to ils rnembers. The charity provides SUPPOrt and representations lo its members regarding war
pension claims, appeal tribunals and benefit claims in ordgr for them to recowe the best possible
remunèration.
Education
The charity has produced a range of information. in both written and electronic form lo advise not only its
members and their families bLrt also other individuals particubaty in health care and social seNices.
Advan¢emont of health
The vast majority of veterans who are members of the charity have significant health problems, the
charty provides them advice and support regarding thi5 so that they can be proactive in improving
their own health and also be able lo inform individuals in the caring professions about their problems.
Over the last few years there has been significant investment in mental health services for veterans and
their families in the NHS and voluntary sector and we continue to signFK)St our membeT5 to appropriate
services.
Social wgllboing
Wg conkn'nue lo supwrt our members wth more emphasis than before on social media. telephone an
video contact.
Future Developments
2025-26 has demonstrated that running costs conb'nue to rise, though our staff are very adept at
minimislng this, but there is a narrowng gap befvfftn income and expense. The subdued fundraising
environment reported last year continues with both a reduction in donors and reduction in the value of
donations made, wth a signiticant reducb'on in individual gNing.
Expanding upon wrtual fundraising OPFJOrtunttes through intemet pWOM￿ and digital too15 is suggested
in the charity press. aknng with more flexible gNing. both are something lo explore over the coming year.
The Charity continues lo be vigilanl regarding the need$ of fts members and the cost of its seNices,
we continually monitor and evaluate what we do to ensure that our members are at the heart of
everything we do and the decisions that are made.
We wlll continue to develop relationships wth potents'al funders and to provkje assurances around
go￿ govemance and best pracb'ce. We will conb'nue to promote our public profile nationally and
locally sUPPOrting volunteers and members to help us do this effectivety.
Fundamentally our objeclNes remain the same, to help support our members together with the wider
armed forces and veteran populations.

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS (Contlnued)
FOR THE YEAR ENDED 31 MARCH 2026
Trustees
Trustees. who are also the Directors for the purposes of company bw, who served during the year
were..
M8 S A Spencer Grey
Mr J T Clifford
Mr G Brown
Financlal Revlow
The Statement of Flnan¢ial ActNilies shows net expenditure for the year of £203 and our reserves
stand al £103,820 In total. Of OUT reseThes £103,338 are unrestricted. Our welfare, support and
adrninistration Gosts tor the year lotalled £92,250. as such our unrestricted reserves are just
above our tsrgel parameters of be￿ SLK and months of our g&neral running costs.
R8seNe$ Polloy
The trustees have established a policy whereby the chafity aims to hold unrestricted reserves of
an amount equivalent lo behveen six and tsvelve months g6neral running cos15, thus allowng lime
for allernatlve funding to be sought should ary major SOUTce of CUTrent fundin9 be k)sl.
R15k Management
The Iruslee5 actively review Ihe major risks whith the Ghanty faces on a regular basis and believe
that maintaining rese￿eS al ujrrent levels, combined wrth an annual review of the controls over key
financial systems. will provide sufficient resources in the event of adver¥e condilions.
Our Volunteers
The charity beneffts from the support of a small pool of regular volunteers to whom we would like to
express our ongoing gratitude. The volunteers assist in Taising awareness of the charity and our
fundraising aclNities.
Trustees. rosponslbllitlgs In rnlauon to tho accounts
The trustees are responsible for preparing the Report ofthe Twstees and Directors and the accounts
in accordance with applicable law and United Kingdom AC(￿Un￿ng Standaryjs (United lQngdom
Generally Accepted Accounting Pract[￿1.
Company Law requires the Charity trustees to prepare accounts for each year which glve 8 true and
fair view of the stsle of affairs of the chathable t￿p8fty and of the incoming resources and application
of resources. including the income and expenditure, of the charitable wmpany for that per(od.
In Preparing these accounts, the trustees are required to..
- select suitable accounting policies and then apply them consistently,
- obseNe the methods and principles in the Charities SORP-
- make judgements and estimates that are reasonab￿ and prudent..
- slate whether appli¢able UK aG¢ounting slandards have been folbwed, Subj￿ to 8ny material
departures disclosed and explained in the accounts.
prepare the accounts on the going concern basis unless it is inappr¢)priate to presume that the charty
wtll continue in operation.

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REPORT OF THE TRUSTEES AND DIRECTORS {Continued)
FOR THE YEAR ENDED 31 MARCH 2026
The trustees are responsible for keeping proper aG¢ounting records which di5Glose wth roasonabkg
accuracy al any time Ihe financlal position of the Charitab￿ company and to enable it to ensure the
accounts comply with Ihe Companies Act 2006. They a￿ aLs0 resF)onsible fr)r Safeguarding the assets
ol the company and henTr for taking reasonable Steps for the prevention and detection of fraud and
other irregularities.
This report has been prepared in aGGordanGe with the provisions of Part 15 of the Cornpanies Act
2006 relating to small companies.
ONBE
BOARD OF TRUSTEES:
Ms
r Grey
Date '. 3 June 2026

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF
THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
FOR THE YEAR ENDED 31 MARCH 2026
I report on the accounts of the company for the year ended 31 March 2026, which are sel out on
pages 8 to 13.
Re8pectlve rn8pon8lbllltles of trnstees and examlner
The trustees, Ivjho a￿ also the diwtors of the Charitable company for the purposes of Company lawl
are responsible for the preparation of the accounts. The trustees consider that an audit is not
required for this year under section 144 of the Charibes Act 2011 fthe Charities ACY'I and that an
independent examination is needed.
Having satisfied myseff that the charity is not subject to audrf( under company law and is ellgible for
independent examlnatK)n, it is my responsibility to:
examine the accoLEnts under sect'on 145 of the Charities Act
to follow the procedures laid down in the general Directions gTv8n ty the Charity
Commission under sectton 14515){bl of the Charities Act and
to ststs whether particular matters have come lo my attention.
Basls of Independent exarnlnerfs report
My examination was carried out accordance with Ihe general directions given by the Charity
Commlssion. An examination includes a reV￿W of the accounting records kept by the charity and
a comparison of the accounts presented with those ￿ords. 11 also includes ¢onsTrderation of any
unusual Items or disG105ures in the financial statements, and seekI￿g explanations from you as
Iruslees concerning any such matters. The prcredures undertaken do not provide all tha evidence
that would be required in an audit and consequenty no opinKJn is gNen as to whether the ac¢ounts
present a'true and fair viev/ and the report is limited to those matters set out in the statement
below.
Independent examinerfs statement
In ¢onne¢tion with my examination. no matter has come io my attenlon lo indicate that
accounting records have not been kept in accordance wth s￿tion 386 of the
Companies Acl 2006.,
the accounts do not accotd such records"
where a¢oounts are prepared on an a¢cruals basis, whether they fail to comply
with relevant accounting requirements under Section 396 of the Companies Act
2006, or 8re not consistent the Charibes SORP (FRS1021
any matter which the examiner believes shoukd be drawn to the attention of the
reader to gain a proper understanding of the accounts.
Michael
oseph Shepherd F.C.C.A
KTC Accountants Limited
80 W8st View
B8dby Road
Selby
Y08 58D
Dale .' 3 June 2026

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 2026
Total
2026
Total
2025
Note8
lund8
fund5
Incomlng r¢$our¢es
Donatr'ons, grants and similar
Memberships
Specif c grants received
Respite and open days contributions
Fundraising
Interest receivable on deposits
79.320
4,635
79,320
4,635
92,951
5.155
8.749
8,749
667
12,519
1,261
Total Incomlng resources
93.371
93,371
111,886
Resources expended
Costs of generatlng funds
Fundraising costs
Charltable expendlture
Tribunal Costs
Welfare support and administration
1,324
1,324
1,034
326
107,687
92,250
92,250
Total resourc88 expended
93,574
93,574
109,047
Net incoming resources
203
203
2,839
Net movement In funds
(203)
(2031
2,839
Fund balances at 1 April 2025
103,541
104,023
101,184
Fund balance8 at 31 March 2026
103,338
103.820
104.023

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
REGISTERED NUMBER 3731497
BALANCE SHEET
AS AT 31 MARCH 2026
Notes
2026
2025
Flxed Assets
Tangible assets
1,219
Currènt ass8t8
Debtors
Cash at bank and in hand
2,592
103,083
105,675
2,970
103,360
106,330
Creditors: amounts lalllng
due wlthln one year
3,104
3.526
Net curr•nt assgts
102,571
102,8D4
Total assets, l¢ss
current liabilities
103,820
104,023
Income funds
Reslricled funds
10
482
Unrestricted fvnds
103,338
103,$41
103.820
104,023
For the year ended 31 March 2026 the company was entitled to exempb'on from audit under section 477
of the Companies AGt 2006 relats.ng to small companies.
The members have not required tho company to obtain an audit in accordance wth seGtion 476 of the
Companies Act 2006.
The trustees acknovAedge Iheir responsibility for complying ¥￿th the requirements of the Act vAth respect
lo accounting records and for the preparation of accounts.
The accounts have been prepared in accordance with the provisK)ns applicab18 to companies subject to
the small companies regime.
Onb
alf of
Spen
rGrey-
Mrj
Approved by the board on .' 3 June 2026

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUTr￿S
FOR THE YEAR ENDED 31 MARCH 2026
1 Accountlng pollcS08
1-1 Basls of preparatlon
The accounts have been prepared under the historlcal Cost Convention and in acwrdance wilh the
Accounting and Reporting by Charities.. Statement of Recommended Pracdce applicable to charitles
prgparing their accounts in accor(lance Nwth the Financial Reporting Standard applicable in the UK
and Republic of Ireland IFRS 102) and th8 Companies AGt 2006. Th8 charity me6ts the definrtion
of a public benef￿ entity under FRS 102.
1-2 Incomlng resourcos
Income is recognised when the charity has entruement to the fvnds, any performance conditions
have been met. It is probable the income wll be recewed and the amount can be measured reliably.
14 Expenditure
Expenditure is recognised once there is a legal or GonstruGINe obligation to make a payment to a
Ihlrd paty. it is probable settlement will be required and the amount can be measured reliabty.
14 Tanglble fixèd assets
Depreciabon is provided at the followng annual ratss in order to write off each asset over its
estimated useful life:
Office equipment
15% on reducing balance
1-5 Lea81ng commftments
Rentals payable under operating ￿aSe$ are charged to the Stalement of Financial Activities ovar
the ￿rIOd they a￿ incurred.
14 Fund accounting
Unrestricted funds are donations and other incoming resources receivable or geneTrted for the
objects of the charity withoLrt further specified purpose and are available as general funds.
Restricted funds are to be used for speciftc purposes as laid down by the donor.
2 Donatlons* grants and similar
2026
2025
Running cost grants
General donations
73,800
5.520
89,250
3,701
79,320
92,951
Runnlng cost grants:
ABF The Soldiers, Charity
Veterans. Foundation
Queen Marys Roehampton Trust
The Grocers Charity
The Inman Charity Trust
Souter Charitable Trust
Opportune FPS
45,000
18,500
10,000
45,000
18,50D
15,000
5,000
3,750
2,000
300
73.800
89,250
10

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS (Contlnued)
FOR THE YEAR ENDED 31 MARCH 2026
3 Welfare 8UPPOrt and administralion
2026
2025
Staff costs .' Welfare. support and a¢fvocacy
Staff costs Administration
Staff costs .' Promoting awareness and events
Telephone, internet and l.T.
Postage, stationery and advertising
Travel and subsistence
Repairs and renewals
Accountancy
Legal fees
RenL rates and power
Insurance
Depreciation of tangible assets
Event Costs and sundry expenses
34,273
12,933
17,460
5,807
1,265
49
42,845
16,168
21,827
7,916
1,252
104
2,520
69
12.351
1,744
215
676
2,592
97
15.700
220
168
92,250
107,687
4 Net Incoming rgsourcgs
The surplus of income over expenditure is ststed after charging..
2026
2025
Depreciation of tangible assets- owned by the charity
Operating lease rentals
Independent examiner fees- extemal scrutiny
Independent examlner fees- accountancy and payroll seNl¢es
220
13,101
312
2,280
215
11,507
300
2,220
5 Employe95
No remuneration or expenses were paKI to the trustees.
The costs of the remaining staff were..
2026
2025
Wages and salaries
Social security costs
64,666
79,842
64,666
80,840
No employee received remunerat￿•￿ of more than £60.CQO in either ye8r.
Number of employees
The average monthly number of employees during the year was".
2026
Number
2025
Number
Management, administration and provision of servicks
11

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS (Continued)
FOR THE YEAR ENDED 31 MARCH 2026
6 Taxatlon
The ¢haritsble company 1$ exempt from corporallon tax on its charitable activities.
7 Tanglble fixed a￿ets
orrice
equlpment
Totals
Cost:
Al 1 April 2025
Additions
Disposals
Al 31 Mar¢h 2026
29,247
250
29,247
250
29,497
29,497
Deprnciafjon:
At 1 April 2025
Charge for year
Disposals
At 31 March 2026
28,028
220
28,028
220
28,248
28,248
Net book valuo:
At 31 March 2026
1,249
1,249
At 31 March 2025
1,219
1,219
8 Dobtors: Amounts falllng due
wlthln one year
2026
2025
Prepayments and accrued income
2,592
2,970
2,592
2,970
9 Creditors: Amounts falllng due
wlthln one year
2026
2025
PAYE and social security
Trade creditors and accnjed expenses
816
2,288
1,537
1,989
3,104
3,526
12

THE M.M. NATIONAL GULF VETERANS AND
FAMILIES BENEVOLENT ASSOCIATION
NOTES TO THE ACCOUNTS (Continued)
FOR THE YEAR ENDED 31 MARCH 2026
10 Restricted funds
The income fvnds of the charity include restricted funds, comprising the following unexpended balances
of donations and grants held on trusl for specific purposes:
Balance at
l April
2025
Incoming
Rosourcgs
rosourcos frxpendod
Balance at
31 March
2026
Respite and Open Days
482
482
482
482
Respite and Open Days
The balan￿ will fund luture resptle and open day costs.
11 Ststutory Informatlon
The charity is 8 private limited company, limited by guarantee, registered in England and Wales
where the companls registered number is 3731497. the registered office addr8SS is detailed on
page 1.
12 Related Party Tran6actlons
The ¢harity undertook no rel*ed paty transacb'ons during the year.
13 Golng Concem
At the reporting dale the trustees believe there are no material uncertainties about the charity's 8bility
to continue for a period of at least 12 months, as such the accounts are prepared on a going concem
basis.
13