2024-12-31-accounts

CARE BEXLEY CROSSROADS CARE LIMITED (A company limited by guarantee) (Operating name.. Crossroads Care South East London) TRUSTEE REPORT AND UNAUDITED FINANCIAL STATEMENTS FOR YEAR ENDED 31ST DECEMBER 2024 Company Number: 03726471 Charity Number: 1076375

BEXLEY CROSSROADS CARE LIMITED {A company limited by guarantee) (Operating name: Crossroads Care South East London) FINANCIAL STATEMENT FOR THE YEAR ENDED 31ST DECEMBER 2024 Contents Pages Legal and Administrative Information Report of the Trustees 1-10 Report of the Independent Examiners 11-12 Statement of Financial Activities 13 Balance Sheet 14 Statement of Cash Flows 15 Notes Fomiing Part of the Financial Ststements 16-26

BEXLEY CROSSROADS CARE LIMITED LEGAL AND ADMINISTRATIVE INFORMATION Trustees Jani￿ Algar, Chair frorn 0810712024 Rory SprÉngbett, Chair of F&GP from 2611112024 Iva DiamorKS Michael Hampton, Chair to 0810712024, resigned 08n7Q024 Lee Hawkes, appointed 2610612024, resigned 1411012024 Lisa Hemsley, resigned 0810712024 Sharon Hutton Paul Nevulis Daniel Wallace, appointed 28KE12024 Senior Management Darren Tobin - Chief Exe<xJtive Officer & Company Secretary Louise Jossa - Finance Manager Reglstered Office Pier Road Centre 42 Pier Road Erith Kent DA8 1TA Charity reglstration number 1076375 Company registration number 03726471 Bankers Barclays Bank PLC 6 Market Place Béxleyheaih Kent DA6 7DY Independent Examiners UHY Hacker Young Thames House Roman Square Sittingboume K8nt ME10 4BJ

BEXLEY CROSSROADS CARE LIMITED ST TRUSTEES, REPORT FOR THE YEAR ENDED 31 DECEMBER 2024 The Trustees present their annual report together with the independently examined financial statements of the charitable company for the financial year from 1 January 2024 to 31 December 2024. The annual report seples the purposes of both a Trustees, report and a directors, report under company law. The Truste8s confirm that the annual report and financial statements of the charitable company comply with the current statutory requirements, the requirements of the charitable companls governing document and the provisions of the Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordan￿ with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102 March 2018). Since the company qualifies as small under section 382 of the Companies Act 2006, the strategic report required of medium and large companies under the Companies Act 2006 (Strategic Report and Directors, Report) Regulations 2013 has been om itted. TRUSTEES The Trustees named on the Legal and Administrative Information page have served during the period of the accounts. Appointment of trustees is governed by the trust deed of the charity. The Board of Trustees are authorised to appoint new trustees to fill vacancies arising through resignation or death of an existing trustee. Three trustees resigned and two trustees joined during the financial year, therefore the number of trustees serving on the goveming body at 31 De￿mber 2024 decreased to six. OBJECTIVES AND ACTIVITIES Bexley Crossroads Care Limited is a charilable company limited by guarantee, and its objects are for the public benefit, Ihe relief of carers and people who are in need by reasons of age, ill health and disability, in particular but not exclusively those living alone, by providing a range of support services delivered by community based staff and volunteers. The areas of benefit shall be the London Boroughs of Bexley, Greenwich, Lewisham and surrounding areas. The provision of care to vulnerable people in addition to other activities undertaken has directly contributed to the achievement of our objectives during the year. The charity's strategy is to achieve its aims and objectives by providing high quality services to individuals living within the aforementioned areas and to identify and Inc￿aSe the number of carers we support. STRUCTURE, GOVERNANCE AND MANAGEMENT The goveming document of the charity is the revised Articles of Association as amended by speci81 resolution dated 27 November 2017, with the consenl of the Charity Commission dated 23rd March 2018 and subsequent ratification by the Board dated 23rd April 2018. Under the Articles of Association the minimum number of trustees is four and the maximum is sevantoen. The Charity appoints n&w trustees when required to strengthen the board and replace retiring trustees, New trustees are

BEXLEY CROSSROADS CARE LIMITED TRUSTEES, REPORT FOR THE YEAR ENDED 31- DECEMBER 2024 CONTINUED required to attend briefing sessions as part of their induction and are provided with relevant governance information and links to the Charity Commission and other appropriate governance bodies. All trustees have an opportunity to attend relevant training sessions and events to support their professional development. The Board of Trustees are responsible for setting the strategic dir8Ction and policy of the charity and are supported by the Finance and General Purposes Committee. The Chief Executive attends Board meetings and sits on the committee but has no voting rights. A scheme of delegation is in place and day to day responsibility for the provision of services rests with the Chief Executive. The Chief Executive is responsible for ensuring that the charity delivers the ServI￿S and that key performan￿ indicators are met. The charity is also known by its trading name 'Crossroads Care South East London,. The arrangements for setting pay and remuneration of the charity's key management personnel is determined by the Finan￿ and General Purposes Committee. The main crrteria used is an agreed percentage of salary which is in line with other employees of the charity. LEGAL STATUS The charity is a company limiled by guarantee and has no Sha￿ capital. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £5 per trustee of the charity. RELATED PARTIES The charity is a network partner of Carers Trust and is governed under its framework for policy and strategy. Th8 charity has links with other voluntary sector organisations across our operating boroughs in the pursuance of its charitable objectives. RISK REVIEW The Trustees are responsible for identrfying, assessing, managing and conducting periodic reviews of the major risks to which the charity is exposed. Potential risks are reviewed at the F&GP and board meetings each quarter and are continually assessed, with the possible impact on finances considered. Operational risks are under constant review. Service delivery processes hav8 been implemented to safeguard the health and welfare of staff, volunteers and clients. Due to the nature of our community work with vulnerable clients, we continue to apply robust infection control procedures to mitigate risks to our clients and workforce.

BEXLEY CROSSROADS CARE LIMITED 8r TRUSTEES, REPORT FOR THE YEAR ENDED 31 DECEMBER 2024 CONTINUED Income and financial sustainability, which could be impacted by the loss of signifi￿nt packages of care, changes in local govemment policy affecting grants and contract funding and loss.of income fFom trusts, is monitOFed continually and.compared to budgeted forecasts. The organisation has 8 medium-term strategy to diversify rts services and mitigate some of these risks, whilst taking measures to ensure the ongoing financial sustainability of the charity is sound. Inflation is a fundamenlal concern" some incoming resources may not keep pace with inflation as grants are generally awarded for a fixed sum over the duration of the contract. Vlthilst we try to nagotiate provisions for inflation at the outset, this is not always possible or the economic outlook foreseen, hence we have set aside a percentage of reserves to mitigate this risk for existing contracts and arrangements, to enable us to keep s8lari85 under constant review. Data protection and compliance is of paramount importance. The Chief ExecLrtive is responsible for ensuring the organisation complies wilh GDPR requirements. All key staff undertake regular Iraining, receive periodic updates and monitor processes. IT is outsourced and we continue to invest in the securrty of online data. Lègislation relating lo employment matters are under constant rèview. the charity receives alerts of changes in regulations periodically and subscribes to a professional helpline. Safeguarding our benefactors and vulnerable dients is integral to the culture of the charity, and we have been evaluated as 'good' at the most recent CQC inspection. We ensure staff receive adaquate training, shadow experienced members of staff as required and attend supervision and review meetings at regular intervals. The Business Continuity Plan (BCP) was updated in February 2024 and is reviewèd periodically. This addresses potential incidents that could limit the charity's ability to operale effectively, including cyber security. Reputation risk within the care sector and events outside our control are monilored on a regular basis. We have a good reputalion for providing high quality care and try to mitigate this risk by maintaining a high profile through social media, stakeholder prasentations and networking evenls across our operating boroughs. Govemance and regulatory matters are reviewed regularly., internal controls and Pro￿sseS are documented to identify which reporting guidelines and timescales must be adhered to. Systems and Pro￿dureS to manage the above risks are implemenled to minimise any potential impacl on the charity.

BEXLEY CROSSROADS CARE LIMITED 8Y TRUSTEES, REPORT FOR THE YEAR ENDED 31 DECEMBER 2024 CONTINUED RESERVES POLICY The Trustees, who are also directors of the charity for company law purposes, are resoonsible for the sound financial manaoem8nt of the charity. They ensure that the charity will remain able to fulfil its obligations as they fall due and have considered th8 level of reserves they wish to retain appropriate to the charrty's needs. The policy is to hold free resenies to cover expenditure and ensure the charity will be able to continue to fulfil its charitable objectives, even if there is a temporary shortfall in income, based on the charity's size and the level of commitments held. This policy is constantly uiider revièw li(aVilly i¥yui-d tv Ilie Giiailgitig fifiaiicial, regiilatory ulid competitive environment in which we operate. The short-tenn outlook is a critical consideration and our objective is to retain quality staff and respond quickly to changes in our client portfolio, in order to rnitigate some funding risk and continue to provide core services to vulnerable people, Furthermore, a tolerance of plus or minus 100/0 is applied to budget projections. For the purposes of short-term financial management, trustees seek to ensure that working capital is in line with the policy of holding free resources, SLfficient to fund al least four months ongoing unrestricted expenditure and to cover a decline in incoming resourc8S, increases in expenditure due to higher than anticipated inflation, support operational overheads and provide core sepdices in thallenging times. Aspirational objectives and the business strategy are both fundamental when assessing what is an optimal level of reserves. It is our objective to retain and support core and specific services which benefit vulnerable individuals within the boroughs in which we operate for a period of trwo years, whilst alternative or continuation funding is sought. Total funds held at the end of the vear were £618,495. This total includes £18.887 of restricted funds, which will be used within the next financial year, arKI £195,787 of designated funds which are detailed in note 12 on page 24. Free reserves, availsble for the Trusteas to spend as they see fit, therefore exclude these restricted and designated balances, and also the value of funds held in tangible fixed assets and longer term fixed asset investments. The charitable company's free reserves at 31 December 2024 therefore stood at £307.336 (2023: £335.119). INVESTMENT POLICY The Trustee's policy is lo invest in low risk short term assets offering a guaranieed rate of return, with institutions regulated by the Financial Conduct Authority. A due diligence and approval process is adopted for each instrtution that funds are placed axiiiiuiii inves yli41 -ly Oiie 1fis+iitii+icn is the firAncia, ;Ti, of protection afforded by the Financial Services Compensation Scheme pr8vailing or likely to prevail at the maturity dale.

BEXLEY CROSSROADS CARE LIMITED TRUSTEES, REPORT FOR THE YEAR ENDED 31- DECEMBER 2024 CONTINUED ACHIEVEMENTS AND PERFORMANCE This has been a challenging year, operating within 8 politically and financially demanding health and social care sector. We have continued to deliver a diverse range of adult and children's services to individuals living within our three operaling boroughs and provided 14,164 hours of direct care to 109 carers and the person they care for. This care is community based and provides support, alleviating some of the multiple pressures borne by unpaid carers in accordance with th8 charity's objectives. All key contracts and grants were measured and evaluated at quarterly monitoring meetings with funders and key performance indicators were met. The organisation continued to develop services in the following areas to support individuals and families, adding social value.. Provided 14,164 hours of core support in the community. Core hours decreased slightly from the previous period due to the cost-of-living crisis and staff capacily. We are proud that all clients received an exceptional level of care and support throughout the period due to the dedication of our care staff. Our volunteer befriending service continued to operate across the three boroughs, providing regular in person support to individuals experiencing isolation through bereavement, loss of family connections, mobility, health, age, or financial constraints. During the year, we deliveréd 12,792 hours of direct support to lonely or isolated older people, establishing befriending relationships to develop social contacts and interaction and reduce their social isolation. This support includes face to face meetings, telephone calls, outings and social gatherings. We organised monthly lunch groups for befriended individuals and befrienders to come together, which w8r8 well altended with an average of 25-30 participants. The Christmas lunch was held at the Anchor in Bexley and we would like to express our sin￿re thanks and gratitude to Friends of Bexley CIC for once again funding this event. Ne employed a community-based frailly pr8Ctitioner, funded by the Better Care Fund to improve the pathway for older people and their carers who present symptorn s of frailty. During the reporting period we received referrals and undertook 53 face-to-face assessments and provided telephone support to 75 frail people and their carers. These early interventions and assessments are important to individuals living with frailty, as this facilitates access to co- ordinated care to maximise their health and wellbeing. This has led to working with local health professionals, ensuring that all comrnunications are relevant and accurate, preventing admissions to hospitals and enabling the older person to remain in the community as independently as possible. Frailty is an increasingly common condition which often renders older people vulnerable to adverse outcomes 8nd thes8 interventions have enabled us to work with older people and their families towards positive outcomes.

BEXLEY CROSSROADS CARE LIMITED TRUSTEES. REPORT FOR THE YEAR ENDED 318r DECEMBER 2024 CONTINUED As a partner of the One Bexley Adult Social care consortium our two Trusted Assessors undertook approximately 438 carers, assessments and reviews during the year under a five-year contract with the London Borough of Bexley. The Trauma project which commenced on 191 September 2023 funded by The National Lottery for five years was fully integrated into the organisalion during 2024. We received 41 referrals during the first year of operation in which 101 interventions were delivered. Our trauma informed therapist provided 215 hours of support to 24 individuals during 2024. The service, which allows us to assist older people and unpaid carers who hav8 previously SLrffered trauma, encompasses the standards of safety, empowerment, choice, collaboration, trust and cultural consideration, promoting kindness, dignity, respect and choice for both service users and staff. An integral part of this work was to ensure the workforce and volunteers were introduced to this practice with enhanced knowledge and understanding through specific trauma training events which were provided to 47 individuals. This will continue to ingrain a mechanism lo support unpaid carers and older people who have experienced trauma, through a range of interventions thal will help them recover and heal. We have recently employed a trauma informed programme manager and expect to attain a recognised 'Trauma Informed Organisation, Charter Mark at bronze level during 2025. We were the lead partnar of the WDF Care Qualifications partnership, working with Skills for Care, who invested £770,906 throughout the period, improving staff skills via digital modules and learning programmes within the social care sector to 103 partner organisations. We invested £3,700 providing extensive upskilling and development opportunities to our care staff, who undertook 442 hours of external Iraining over 16 courses which were relevant to their professional development. FINANCIAL REVIEW The Statement of Financial Activities shows an operational surplus of £2,116 in the year ended 31 st December 2024 (2023 deficit: £584). Total reserves at the end of the year were £618,495, GOING CONCERN After making appropriate enquiries, the Trustees have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. For this reason, we continue to adopt the going conc&rn basis in preparing the financial statements. PRINCIPAL FUNDING SOURCES The principal 60urce6 of funding to facilitata the provision of caro and dalivor carers respite services within the community in accordance with our objectives were re￿iVed

BEXLEY CROSSROADS CARE LIMITED TRUSTEES. REPORT FOR THE YEAR ENDED 31￿ DECEMBER 2024 CONTINUED . from grants and contracts awarded by The London Borough of Bexley, NHS South- East London ICB (Bexley) and The Royal Borough of Greenwich. Funding was awarded by The National Lottery for a trauma service, the London Borough of Bexley and the NHS South-Easl London ICB (Bexley) for a frailty practitioner post through the 'Better Care Fund, which had been deferred and utilised during this reporting year, Carers Trust (in collaboration with the gas distribLrtion network) to alleviate fuel poverty for unpaid carers, The Poslcode Lottery and external funding was provided from 8 variety of smaller schemes. Individuals, who self-funded their care services equated to 29% of overall income. FUNDRAISING ACTIVITIES AND DONATIONS Fundraising events were impacted in recent years by the general economic environment, however we continued to receive funds from the Bexley Community Lotlery, where supporters purchase lottery tickets in exchange for the opportunity to win substanti81 prizes. We anticipale that fundraising opportunities will be limited to some extent in the forthcoming financial year, due to the current ecA)nomic factors. k In September a group of four employees completed the 25km Thames Bridge Trek Challenge. we received £2,730 on the Just Giving platfom in respect of this. We have re￿iVed unrestricted one-off donations from several donors and would like to express our thanks to all individual donors in addition to Friends for Bexley, Danson Fireworks, Sidcup Rotsry Club and the Greernvith Rotary Club for their generosity. VOLUNTEERS The befriending service provides companionship and effective support to older people who may have experienced a significant lrfe event to become active, reduce Ihe risks of isolation and enhance their quality of lrfe with continued health and well-being. Our aim is to ensure older people have a greater sense of confidence, choice end control in their lives with an opportunity to make wider connections. The service continues lo be delivered within the individuals own home, with weekly telephone contact or in the community, with opportunities to attend and participate in activities rf they so wish. Our trauma project, funded by The National Lottery will also provide appropriate therapy and counselling sessions required to support older people through adverse experiences with recovery and healing. The charity has benefitted from the support of 66 unpaid volunteer befrienders who bring a range of skills and life experiences to our befriending service, many of whom h2ve help8d us support local residents since this service commenced in 2012. This valuable Servi￿ can only operate because of the free time given by volunteers, their willingness to foster ,meaningful re18tionships and ensure vulnerable and isolated individuals were supported and contscted regularly. The Board of Trusteos would like to express their gratitude and thanks to all volunteers for their continued support to the charity, and for the 12,792 direct hours of voluntary assislance donated. We are unable to translate this directly into monetary values, but an approximate value of this equates to £146,340.

BEXLEY CROSSROADS CARE LIMITED TRUSTEES, REPORT FOR THE YEAR ENDED 31- DECEMBER 2024 CONTINUED PLANS FOR THE FUTURE Our primary objective is to improve the lives of carers and those they care for, whilst ensuring those we support, including our staff, are safe and well. We will continue to ensure that staff have the correct equipment, training, resources and assistance to provide a reliable serrf1￿ in which the vulnerable people we care for feel confident and protected. We firmly believe attracting and relaining the best care staff and providing an excellent Sendi￿ that is personalised for clients individually is fundamental to the organisation's purpose, ethos, and success. We recognise that supporting our Workfor￿ is key to delivering these goals and remain focused on their continued wellbeing, training, career development, rewards, and job satisfaction, recognising that individual circUmstan￿S are diverse and that there are signrficant benefits in optim ising work and life balance. We aim to pursue and develop strong relationships, working closely in partnership wtlh other organisalions to provide specialised and cost-effectNe services. We have implemented a slrategy, developing services and extending our provision lo carers and people with support needs, including carers who are self-funders and those in receipt of personal budgets or direct payments to improv8 their health, well-being and independence. Our objective is to raise greater awareness of carers, issues and increase public understanding of issues that carers face on a regular basis. During the next financial year, the charity plans to attain a quality kitemark as a trauma informed organisation, to maintain its robust infection controls to support staff and clients, adhering to currenl government guidance. In the longer term, the charity plans to increase staffing and volunteer capacity. diversrfy and extend its services offered to clients with an additional range of regulated and non-regulated services across all operating areas. There has be8n no significant expenditure on future income generation during the period. FACTORS OUTSIDE THE CHARITY'S CONTROL The risk register was reviewed in March 2024 and is reviewed by the Board regularly. Risks fall into six categories" governance, people, quality, service, GDPR and finance, with the likelihood, impact and consequences highlighted and actions documented. We continued to monitor staff and adhere to best practice infection control procedures. The wearing of PPE remains in place and risk assessments are undertaken with individual clients. All colleagues are given regular updates on guidance and attend training on infection control risk as part of our workforce development. Inflation and cost of living pressures are a concern and therefore salaries and budgets are under constant review. We have sufficient res8rves to meet obligations for the foreseeable future and aim to ensure remuneration levels for front line care support slaff are preserved.

BEXLEY CROSSROADS CARE LIMITED ST TRUSTEES, REPORT FOR THE YEAR ENDED 31 DECEMBER 2024 CONTINUED The charity operates within a challenging sector in which sudden changes to care packages or social care contracts could impact finances radically. The charity has little direct influence over the levels of funding available from trusts and local aulhorities or the criteria and strategies adopted by funders for determining the allocation of resources and monitoring requirements. Social factors including media influence, social media and the perception of charities, attitudes towards charitable giving and changes in governrnent legislation are also outside the charity's control. Other factors that could have a bearing on the charity's ability to achieve its objectives include developments in technology and increases in the number of providers within the social care sector. STATEMENT OF TRUSTEES, RESPONSIBILITIES The Trustees (who are also directors of Bexley Crossroads Care Limited for the purposes of company law) are responsible for preparing the Trustee's report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practi￿). Company law requires the Truslees to prepare financial statemenls for each financial year. Under company law the Truslees must not approve the financial statements unless they are salisfied Ihat they give a true and fair view of the state of affairs of the charitable company and of the incoming resources and application of resources, including the income and expenditure of the charitable company for that period. In preparing these financial statements, the Trustees are required to: a) select suitable accounting policies and then apply them consistently., b) observe the methods and principles in the Charities SORP,. c) make judgments and accounting estimates that are reasonable and prudent; d) state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statemenls; e) prepare the financial statemenls on the going concern basis unless it is inappropriate to presume that the charitable company will continue in operation. The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charitable company's transactions and disclose with reasonable accuracy at any time the financial position of the charitable company and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assels of the charitable company and hence for taking reasonable steps for the prevention and delection of fraud and other irregularities.

10 BEXLEY CROSSROADS CARE LIMITED TRUSTEES, REPORT FOR THE YEAR ENDED 31- DECEMBER 2024 CONTINUED DISCLOSURE OF INFORMATION TO THE INDEPENDENT EXAMINERS The Trustees at the time when this Trustee's report is approved have confirmed that: so far as Ihat Trustees are aware, there is no relevanl Information of which the charitable company's independent examiners are unaware, and that Trustees have taken all the steps that ought to have been taken as a Trustee in order to be aware of any relevant information and to establish that the charitable companys independent examiners are aware of that information. Approved by the board on... .and signed on its behalf by: Janice Algar Trustee Director Rory Springbett Trustee Director

11 Independent Examlnerfs Report to the Trustees of Bexley Crossroads Care Llmltod ('the Company,) I report to the charity Trustees on my examination of the 8ccounts of the Company for the year ended 31 December 2024. Ro8pon8ibilltiès and Basls of Report As the Trustees of the Company (arKI its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Com panies Act 2006 ('the 2006 Act,). Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of the Company's accounts carried out under section 145 of the Charities Act 2011 ('tha 2011 Act.). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of th8 2011 Acl, Independent Examinerfs Statement Since the Company's gross incomè exceeded £250,000 your examiner must ba a member of a body listed in section 145 of the 2011 Act. I confirm that l am qualrfied to undertake the examination because l am a member of thè Institute of Chartered Accountants in England and Wales, which is one of the list8d bodies. I have completed my exam ination. I confinn that no matters have come to my attention in connection with the exam ination giving me cause to believe: 1 . accounting records were not kept in respect of the Company as required by section 386 of the 20(A Act., or 2. the accounts do not accord with those records. or 3. the accounts do not comply with the accounting requirements of section 3* of the 2006 Act other than any requirement that the ac￿untS give a 'true and fair view which is not a matter considered as part of an independent examination; or 4. the accounts have not bg8n prepared in accordance with th8 mothods and principles of the Statement of Recommended Practice for accounting and reporting by charities [applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)]. I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

12 This report is made solely to the Compansls Trustees, as a body, in ac(x)rdance with Part 4 of the Charities (Accounts and Reports> Regulations 2008. My work has been undertaken so that I might state to the Companys Trustees those matters l am required to state to them in an IndeÈendent Examinerfs Report and for no other purpose. To the fullest extent parmitted by law, I do not accept or assume responsibility 10 anyonè othèr than thè Company and thè Company's Trustèes as a body, for my work or for this report. Signed: Ali FL Dated: 4-1< ILo£S Allan Hickie Bsc FCA UHY Hacker Young Chartered Accountants Thames House Roman Square Sittingboume Kent ME1D4BJ

13 BEXLEY CROSSROADS CARE LIMITED Statement of Flnanclal Actlvltles Inco ratln Income and Ex endlture Account for the Year Ended 31st December 2024 Note Unrestrlcled Funds Restrfcted 2024 2023 Income Total Thls Total Prior Funds Year Ended Year Ended 31-Dec-24 31-Dec-23 Income from: Donations and Le cies Voluntary income - donations 17,081 17,881 5.487 Charitabl& Act'vlties Provision of care seNices - grants & contract income Provlslon of care services - income direct from clIe￿S Provi8lon of care servlces - brokerage & non contract income Income from charitable actlvtlies - befrlendlng Income from charltable activrties - household support 175,564 201,409 62,426 735 196.854 372,418 1,409 62.426 735 261,939 222,636 94,727 250 10,800 Other Tradin Activities Aciivitles for generatlng funds - fund ralslng 215 215 320 Investments Investment income 23,837 23,837 17,811 other Incornin Other income Resource3 16,793 16,793 14.669 Total Incoming Resources 498,060 197,654 690.714 628.639 ndlture on: Raisin Funds Fundraising expenditure 608 92 Chraritable Activttles Charitable actNilies 502,677 190.313 692.990 629,131 Total Resources Exponde(I 503.285 190,313 693,598 629,223 Net Incomlng Resources I (Resources Expended) Trnnsfers befr￿en funds Total funds brou9M forward Total funds carrled fofward (5.225) 7,341 2,116 (5841 604,833 599,608 11,546 18,887 616.379 618,495 616.963 616.379 The notes on pages 16 to 26 fomi part of these flnanclal statements.

14 BEXLEY CROSSROADS CARE LIMITED Balance Sheet as at 31st December 2024 2024 2023 Total This Total Prior Year Ended Year Ended 31-Dec-24 31-Dec-23 Notes Flxed Assets T8ngible fixed assets Investments 4,980 91,505 96,485 10,106 87,086 97,192 Current Assets Debtors Investments Cash at bank and in hand 46,864 374,684 243 008 664,556 73,333 371.164 195593 640,090 Credltors Creditors: amounts falling due within one year 10 (142,546) (120,903) Net current assets 522,010 519,187 Net assets 618,495 616,379 Charlty Funds Restricted funds Designated funds Unrestrict8d funds Total funds 18,887 195,787 403,821 618,495 11,546 172,522 432,311 616,379 12 The charity was entitled to exemption from audit under section 477 of the Companies Act 2006, and the members have not required the company to obtain an 8udit for the year in question in accordance with section 476 of Companies Act 2006. The trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and preparation of financial slatements. The financial statements have been prepared in accordance with the provisions applicable to entities subject to the small companies regime. The financial statements were approved by the trustees on . and signed on its behalf by.. Janice Algar Trustee Director Rory Springbett Trustee Director The notes on pages 16 to 28 forni part of these finanGial statements.

15 BEXLEY CROSSROADS CARE LIMITED Cash Flow Statement as at 31st December 2024 2024 2023 Total Funds Total Funds This Prior Year Ended Year Ended 31-Dec-24 31-Dec-23 Note Cash genérated from operating activitles: Net cash provided by operating activities Cash flows from investing activities: Dividends, interest and rents from investments Purchase of property, plant and equipment Purchase of investrnents Net cash {used in) I provided by investing activities 31.518 (124,453) Table A 23,837 17,811 (1 .907) 6,273 9,831 7,939 31,776 Change in cash and cash equivalents in the reporting year I period Cash and cash equivalents at the beginning of the reporting year I period Cash and cash equivalents at the end of the reporting year I perlod 47,415 (61,822) 195,593 257,415 Table B Table B Table A: Reconciliation of net movement in funds to net cash flow from operatlng operatlng activities Current Year Prior Year Net movement in funds for the reporting period (as per the ststement of financial activities) Adustments for: Depreciation and charges for impaired fixed assets Dividends, interest and rents from investments (Increase)Idecrease in debtors Increasel(decrease) in creditors Net cash provided by operating activities 2,115 (583) 5,127 (23.837) 26,470 21.643 31,518 5.326 (17,811) (12,153) (99,232) {124453) Table B: Analysis of cash at bank and in hand Current Year Prior Year Cash at bank and in hand Notice deposits less than 3 months Total cash and cash equivalents 158,008 85,000 243,008 110,593 85,000 195,593 Table C: Analysis of Changes In Net Debt At Start of Year Cash Flows At End of Year Cash 195,593 47,415 243,008

16 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE ST YEAR ENDED 31 DECEMBER 2024 1 General Information Bexley Crossroads Care Limited, the 'Charity', is a company limiled by guarantee without share capital, registered in England and Wales. Its registered office is Pier Road Centre, 42 Pier Road, Erith, Kent, DA8 1TA. 2 Accountin Policies The principal accounting policies are summarised below. 2.1 Basis of Pre aration of Financial tatements The financial statements have been prepared in accordance with the Charities SORP (FRS102) - Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland {FRS102 March 2018), the Financial Reporting Standard applicable in Ihe UK and Republic of Ireland (FRS102) and the Companies Act 20C6. Bexley Crossroads Care Limited meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy. oin oncern Accountin Polic The trustees assess whether the use of going concern is appropriate i.e. whether there are any material uncertainties related to events or conditions that may cast signtficant doubt on the ability of the charitable company to continue as a going concern. The trustees make this assessment in respect of a period of at least one year from the date of aLrthorisation for issue of the financial statements. Prudent forecasts have been prepared for the coming year, taking the above into account, and using the assumption thal the charity will be able to continue to provide services, even in the event of signrficant changes to current pandemic guidan￿ which result in restrictions or lockdowns being reintroduced. The current investments shown on the balance sheet relate to annual boncls and savings accounts and there has been no impairment of these assets. Taking the above into account the trustees have concluded there are no material uncertainties about the charity's ability to continue as a going concem and Ihat it remains appropriate lo continue to adopt the going concern basis of accounting in preparing the financial statements.

17 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE ST YEAR ENDED 31 DECEMBER 2024 CONTINUED 2.3 Com n Stalus The company is a company limited by guarantee. The directors of the company are the Trustees named on the Legal and Administrative Information page. In the event of the company being wound up, the liability in respect of the guarantee is limited to £5 per member of the company. 2.4 Fund Accountin General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtheran￿ of the general objectives of the charity and which have not been designated for other purposes. Designated funds comprise unrestricted funds that have been set aside by the Trustees for particular purposes. The aim and use of each designated fund is sel out in the notes to the financial statemenls. Restricted funds are funds which are to be used in accordan￿ with spècrfic restrictions imposed by donors or which have been raised by the charily for particular purposes, The costs of raising and administering such funds are charged against the specific fund. The aim and us8 of each restricted fund is set out in the not&s to the financial statements. 2.5 Income All income is recognised On￿ the charity has entitlement to the income. it is probable that the income will be received and the amount of income re￿1vable can be measured reliably. Donated services are recognised when the charity receives the seNice. The charity benefits from the help of volunteers who are befrienders. In accordance with the Charities SORP (FRS 102), general volunteer time is nol recognised and further information is contsined within the Trustee's report in respect of their contribution. 2.6 Ex enditure Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of econom ic benefits will be required in settlement and the amount of the obligation can be measured reliably.

18 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE ST YEAR ENDED 31 DECEMBER 2024 CONTINUED 2.7 Taxation The Company is considered to pass the tests set out in Paragraph 1 Schedule 6 of the Finance Act 2010 and therefore it meets the definition of a charitable company for UK corporation t8x purposes. Accordingly, the Company is potentially exempt from taxation in respect of income or capital gains re￿iVed within categories covered by Chapter 3 Part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992, to the extent that such income or gains are applied exclusively to charitable purposes. 2.8 Tan ible Fixed Assets and De reciation All assets costing more than £1 ,000 are capitalised. review for impairmenl of a fixed asset is carried out if events or changes in circuMstan￿S indicale that the carrying value of any fixed asset may not ba recoverable. Shortfalls between the carrying value of fixed assets and their recoverable amounts are recognised as impairments. Impairment losses are recognised in the Statement of Financial Activities incorporating the income and expenditure account. Tangible fixed assets are carried at cost, net of depreciation and any provision for impairment. Depreciation is provided at rates calculated to write off the cost of fixed assets, less their estimated residual value, over their expected useful lives on the following bases: Computer equipment - 200A straight line Furniture and fixtures _ 200A straight line Office equipment- 200h straight line 2.9 Investments Investments include bonds or term deposits held for twelve months from the date of investment. This includes notice deposit accounts requiring notice of more than 90 days from the date that funds were deposited into the account. Long tenn investments include bonds or term deposits held for more than twelve months from the date of investment. All investments are approved by the Finan￿ and General Purposes Committee. Interest on funds is included when earned and the amount can be measured reliably by the company. Investment income, gains and losses are allocated to the appropriate fund.

19 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE ST YEAR ENDED 31 DECEMBER 2024 CONTINUED 2.10 Pensions The company enrols eligible employees into a defined contribution pension scheme and the pension charge represenls the amounts payable by the company to the fund in respect of the period funded by contributions from employee and employer. New and existing employees who were or who became eligible to join but were not in the pension scheme at 23 May 2023 were automatiGally enrolled inlo th8 scheme unless they exercised their right to opt out of scheme membership. Employees joining the pension scheme operated by B&CE (scheme name: The Paople's Pension), contract directly with the pension company. The charity made a contribution of 3 % of qualrfying salary to this pension scheme throughout the financial period, and acts as agent in collecting and paying over employee pension contributions. The contributions made for the accounting period are treated as an expense. 2.11 0 eratin Leases Rentals under operating leases are charged lo the Statement of Financial Activities (incorporating income and expenditure account) on a straight-line basis over the lease term. 2.12 Financial Instruments The charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at the carrying value plus accrued inlerest less repayments. The financiro charge to expenditure is at a constant rate calculated using Ihe effective interest method.

20 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2024 CONTINUED 3 Sources of Income Durin the Year 2024 2023 This Year Prior Year Ended Ended 31-Dec-24 31-Dec-23 Income From Income Source Income T e Other Donations and Le acres Sundry income 17,881 17,881 5,487 5,487 Individuals London Borough of Bexley Non contr8Ct income Grant income Contract income Non contract income NHS SoLrth East London ICB (Bexley) Contract incoma Non contract income Contract income Non contract income Grant income Grant income Grant income Grant income Sundry income 201,410 109,660 89,030 50,689 222,636 123,792 105,322 57,886 5,923 35,086 2,220 3,596 29,426 10,894 2,134 2,842 86,092 50,000 33,503 Royal Borough of Greenwich London Borough of Lewisham The National Lottery Th8 Postcode Lottery Carers Trust City Bridge Trust Other Charitable Activities 4,056 409 590,353 733 636,987 Other Activities Sundry income 215 215 320 320 ther Tradin Olher Sundry income 23,837 23,837 17,811 17,811 Investments London Borough of Bexley Other Resources Contract income Sundry income 2,000 14,793 16,793 2,IX)O 12,669 14,669 Other Incomin TOTAL INCOME 695,714 628,639 The Charity has no unfulfilled conditions or contingencies. Income comprises unrestricted funds of £498,060 (2023: £555,415) and reslricted funds of £197,654 (2023: £73,224).

21 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2024 CONTINUED 4 Anal Is of Resources Ex ended 2024 Year Ended 31-Dec-24 2023 Prior Year Ended -Dec-23 Direct Charitable Costs Care support workers, wages, national insurance and pension costs Staff salaries, national insurance and pension costs Care support workers and staff travel and other expenses Direct service expenses Workers, equipment Volunteers expenses and associated costs Govemance costs Accountancy and bookkeeping 212,505 361,823 7,284 96 195 440 2,118 3,322 587,783 238,638 299,834 6,956 46 193 2,040 3,402 551,129 Core Serrfice Su rt Costs Carers Trust membership fees Training costs snd training consuliancy fees DBS enhanced checks Insurance AcLreditation CQC fee Data protection 5,862 5,139 1,250 10,207 2,400 1,654 35 26.547 5,626 785 9,317 1,964 35 22.072 Other Resources Ex Rent of office Printing, postage and stationery Telephone Photocopier and franking machine lease costs Depreciation and loss on disposal of asset Bank charges and finance costs Advertising Rent of venue and activities Befriending and older carers activities Household support and fuel povety expenses Computer and software Bad debt and provision for bad debts Other ended 10,250 2,324 5,102 1,132 5,127 465 2,505 2,162 2,116 21,016 23,899 7.4 2,487 78,660 10,250 1,971 4,177 5,326 4bO 2,556 1,315 5,250 21,899 21 1,738 55,930 Expendilure on Charitable Activities Fundraising Expenditure TOTAL EXPENDITURE 693,598 629,223 The expenditure comprises unrestricted funds of £503.285 (2023., £531.897) and restricted funds of £190,313 (2023". £97,326).

22 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2024 CONTINUED S Net Incomln Re80urce8 1 Resources Ex nded This is stated after charging.. 202 This Year Ended 31-Dec*24 023 Prior Year Ended 31-Dec-23 Depreciation of tangible fixed assets: -owned by the charity Independent examlnefs remuneratlon Operating lease rentals During the period, no Trustee received any remuneration (2023: £NIL), During the period, no Trustee receved any benefits in kind (2023.. £N IL). During the period, no Trustee received any reimbursement of expenses (2023.. £NIL). 6 Staff Costs 5,126 2,118 1,132 5,326 2,040 The staff costs were 2024 SY88 Ended 31-Dec-24 2023 Prio Ended 31-Dec-23 Wages and salaries Soci81 security costs Employers contribution to defined contribution pension schemes 531,892 32,314 10,121 574, 327 508,845 20,410 9,217 538,472 The average number of staff employed during the period was as follows., 2024 45 2023 53 The total aggregate amount of combined remuneration received by senior management comprising salaries, employers national insur8nce and pension contributions duing the period totalled £86,935 {2023: £74,219). 7Tan ble Flxed Assets Com ui Office Furniture and Flxtures ul Total At 1 st January 2024 Additions At 31st December 2024 31,764 1,643 505 33,912 1643 505 33,912 reclatlon At 1st January 2024 Charge for the year At 31 st December 2024 22,262 4,854 27,116 1,090 221 1,311 454 51 505 23,806 5,126 28,932 Net Book Value8 At 31sl December 2023 At 31st December 2024 g,S02 4,648 553 332 51 10,106 4,980

23 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2024 CONTINUED 8 Debtors 2024 2023 his Year Prior Year Ended Ended 31-Dec•24 31-Dec•23 Trade debtors Prepayments and accrued income 32.032 14.832 46,864 57,633 15,71)0 73,333 9 Investments 2024 2023 This Year Prior Year Ended Ended 31-Dec-24 31-Dec-23 Unlisted investments (liquid) Unlisted investments (long tenn) 374,684 9t.505 466.189 374,164 87,086 458,250 10 Creditors 2024 2023 This Year Prior Year Ended Ended 31-Dec-24 31-Dec-23 Amounls falllng due wlthin one year Trade creditors Taxation and social setsjrity Payroll and associated staff costs Accruals and deferred Income 790 17,618 19,151 104,987 142,546 670 18,118 19,647 82,468 120,9)3 Deferred income movemenl: 2024 2023 This Year Prior Ye Ended Endèd 31-Dec-24 31-Dec-23 Balance as al 1 January 24 Amount released io income from charitable activities Amount deferred in period Balance as at 31 December 24 80.428 159.787 (45,120) (97,219) 59,308 17,860 94,616 80,428 Deferred income C￿mpriseS grant income received in advance £88.497. contract incomo of £3,347 and overpayments from dients of £2,772. 11 Flnanclal Instruments 2024 2023 This Year Prior Year Ended Ended 31-Dec-24 31-Dec-23 FinancÉal assels measured al fair value through income and expenditure 709,197 653,843 Financial assels measured al fair value Ihrough income and expenditure comprise the value of cash held and inveslmenl bond QT term deposils dassified as wrrtnl investment essels.

24 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2024 CONTINUED Current Year Statement of Funds lo 31 December 2024 Transfers Betwe8n Funds Opening Funds Closing Funds Fund Income Ex enditure Restricted fund Designated fund Unrestricted fund 11,546 172,522 432,311 616,379 197,654 (190,313) 18,887 195,787 403,821 618,495 23,285 23,265 498,060 695,714 8nt of Funds to 31 December 2023 503,285 693,598 Prior Year ta rans ers Between Funds Opening Funds Closing Funds Fund Income Ex enditure Restricted fund DesignateA fur,d Unrestricted fund 35,648 172,856 408,459 616,963 73,224 (97, 326) 11,546 172,52 432,311 616,379 (334) 334 555,415 628,639 531,897 629,223 Restricted funds are used for the purpose stipulated within restrictions imposed by the donor, which include paying staff salaries, training costs, administration and other related costs to support the specrfic projects. The Charitable Company managed the folloMiip.g restricted grants and contracts during tb.ts year. London Borough of Bexley Better Care fund: £32,536 has been deferred and will be spent over the next 2 year5 on the services of a fRilty practitioner and on respite services. Yorkshire Building Society: £534 will be spent over the next year on services for older carers. Edward Gostling Foundation fund.. £882 will be spent over the next year providing post bereavement support to unpaid carers. The National Lottery.. £86,092 was received and £85,976 spent on the provislon of a traurna service within our operating boroughs. The Poslcode Lottery.. £50, 000 was received and spent on the operation of the befriending service. Carers Ttust Fuel Poverty: £55,000 was received during the year, £24,841 of expenditure was incurred and £30,159 will be spent in the next y8ar to support and ease the financial and fuel challenges faced by many unpaid carers and their families. Desi nated funds are unrestricted fund5 ring-fenced for a specific purpose, with no restrictions imposed. Designated fund (1 } £123,787 for employment Ilabilitles whlch mlght arise. Designated fund (2} £72, 000 to meet future costs relating to the Befriending Servica Unrestricted funds are spent al the discretion of the trustees for furtherance of the charity's objectives.

25 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2024 CONTINUED 13 Anal 818 of Net A88ets Between Funds urr8nt Year 0 31 December 2024 2024 Restricte Fun 2024 nate Fun 2024 trict Fund 2024 Tot Funds Tangible fixed assets 4,980 4,980 Current assets 62,500 195,787 406,269 664,556 Creditors due within one year (43,613) <98,933) {142,546) Net current assets 18,887 195,787 307,336 522,010 Long term assots 91,505 91,505 Net assets 18,887 195,787 403,821 618,495 Prior Year to 31 December 2023 02 2023 2023 Restricted Desi nat8d Unrostricted 2023 Tolal Fund Tangible fixed assets 10,106 10,106 Current assets 11,546 172,522 456,022 640,090 Creditors due within one year (120,903) (120,903) Net current assets 11,546 172,522 335,119 519,187 Long term assets 87,086 87,086 Net assets 11,546 172,522 432,311 616.379 4 Penslon Commltments Pension contributions totalling £2,419 (2023: £2,237) were payable to the scheme at the balance sheet date and are included in creditors.

26 BEXLEY CROSSROADS CARE LIMITED NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2024 CONTINUED 150 ratin Leasas At 31 December 2024 tha total of the charity's future minimum lease payments under non-cancellable operating leases was.. 2024 2023 This Year Prior Ye8r Ended Ended 31-Dec-24 31-Dec-23 Amounts payable: Within 1 year Between 1 and 5 years Total 1,132 2,937 4,069 1,176 1,068 2,244 16 Related Part Transactlons No Trustee or oth8r p8rson relaled lo the charity had any personal interest in any contract or transaction entered into by the charily during the year. Management 8nd trustees made donations to the charity totalling £NIL (2023: £NIL).