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).