REGISTERED COMPANY NUMBER: 0377114Z (England and Wales)
REGISTERED CHARITY NUMBER: 1078222
Report of the Trustees and
Financial Statenients
for the Year Ended 31st March 2025
tor
UTTLESFORD CITIZELYS ADVICE BUREAU
Atlenboroughs (AecoLintants} Limited
Cliarlered Certified Accountants
l Tomier House
TowLr CLntrL
Hoddesdon
Herifordshire
ENI I SUR

UTTLESFORD CITIZENS ADVICE BUREAU
Contents of the Financial Statements
for the vear ended 31st March 2025
Page
Report of the Trustees
Independent Examiner's Report
Stalement of Financial ActiTrities
B4lon¢¢ Sheet
Cash Flow StateTnenl
12
Noles to Ihe Cash Flow Stalement
Notes to the Flnanclal Sla¢ements
14 10 20

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
The Iruslees who are also directors of ihe charity for the purwses of Ilie Companies Act £006, present their report with Ihe fiiiancial
btutLmunts uf thc Lhurity for thu undid 31.%t MUTLII
7025. Thu trustL"c% havc aduptLd thL pwvi%itsnts of A¢Lounting Jnd RLPOrting
by Charities: Statemeni of Recommended Practice applicable io cliariiies preparing (heir accoun¢g in accordance with tlie Financial
Reporting Standard applicable in the UK and RepLibliL of Ireland (FRS 102) (effective l January 2019).
OBJECTIVES ALYD ACTIVITIES
()bjectives and aims
The objects of the Charity are aligned with the prin¢iples and objectives of ihe Naiioi)al Associaiion of Ciiizens Advice ("CitA"). of
which the Charity is a member. The Charity is also a member of the Essex Citizens Advice Consortium.
The Citizens Advice service helps people resolve their le.4al, Inoney and other problems by providing inforiiialion and advice and by
inllucnLing poliLyniakcrs. Citizcii% AdviLL' uscl LvidenLc ot L,licnLs' problcm% dnunyillously lo Ldmpaign for iinprovcmLni% in luw
and Services that affect everyone. The speci fic objects of ¢he Charity are sel out in ils Memorandum of Association and ils prillcipal
object is the promotion of any charitable PLirposes for the benefit of the Lommuiiity in the area of Essex, Cambridgeshire,
HertfoTdshire, and Sutlolk by the advancement ot- education, the protection of. health. and the reliet ot poverty, 5ickne&s. and distress.
To Iliose ends, the Charity is specifically auThorised lo establish and conducl Ci117,ens Advice as cenlres lo provide a free confideniial
and impartial scrvLL'L of adviLL, information, and counsLI for the publiL and this IS its prinLipal aLlivity. ThL Charity is also authorisLd
to raise tunds, and lo undertake activities Iliat support, or are ancillary lo, 115 principal object. The Trustee5 have complied with iheir
duly lo Iiave due regard to the guidance on PLiblic benelit published by th¢ Chai'ily Commission in exerLising tlieir powers or duties.
Tlie followingi %ecti011s de%cribe Il)e activitie.% of the CliJrity tlial have been carried out for Ihe publ ic benetit in Ihe Idst year.
Page I

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
OBJECTIVES AND ACTIVITIES
Aehievements and Performance
Th#nks io L)ur fJnta%tiL tctsin of staff and VL)luntucrs wc Lontinuud to Inunagc hi¥h dLmand for our bcrvicc ttb thL inLrLbbLd of
liviiig continued 10 imp8Ct oiir communiiies.
We suciesst.ully completed our 3rd year, full leadership assessment from National Citizens Advice in January. This allows us lo
retain the use of'the Adiii¢¢ Quality Standard mark.
Noie.. The L￿adership Self Assessment ILSA} is an assurance frainework, self assessment portfolio and J year assessmen( cycle
whiLli ¥ivL'% L'onfidLnLL to all slakchuldLrs that ihL' orguni%utiun iiMplL'mL'llt4 %y%iLTm% and proLissu% which L'nablL It to OPL'rat
effeclively as a service provider, eniployer and volunleerillg charily. The framework is designed to ernbed risk based thinking, and
ensure our organisalion is well run. It also provides an acLrediled assurance frameNvork for charity law, company law, Financial
Conduct Authority autl)orisation and Consuiner Duty
Our specialist Disability Benefits Team continued their valuable work, siipportinR 564 clients over ihe year. ToReiher. the team
tIL,hicvLd ovcr £l.O(y2 million iii ILdditional bLncfil inL'OlnL lor their Llienls.
Our M&crnill&n Cancer Support team conliiiued lo luiid specialist welfare bei)efits support and casework for newly diagiiosed cancer
patients. Over the year the team bUPPOrted 491 clieiils with benefit oppliLations {aLhieving £2.82 million in extra income), navigating
employment law, applyinb, for grrants aiid accessingF Other local support.
Our warin home8 ieain remained aciive in biiilding awareness of fiiel poverty" and cold home issues wiihin the dislricl providing
spccialisl cascwork for 400 cliLnls, L'hcLking benLtii cnliilcmLnts and hclpino thcm lo challcngL ineorrcct bills, aLLCSS fLicI VOULhLrs
and ener
y etliciency grants - achieving over £257,000 in additional income lor our cl ients.
Our vid¢0 link oulreaLh serviees Lonlinued to help us provide support Irom the librai'ies in Greal Dunmow. Stansled and Thaxted
and from the Parisli Council ol'tice% li) Takeley Old School Hou%e. We dlso provided a(Iditioiidl drop in ddi'ice %e%%ion% in Hdltield
Heath Village Hall and ai a familv drop-in clinic in Great Dunmow.
Thanks to tiindiiig troin UttlLgt"ord DislriLt CounLiI. wc now Iiavc a small tcam of adviscrs who provide spceialist support for
r¢lugees, including t1105e who arrived under Ilie Homes tor Ukraine sclieme, as they adjust lo lite in a new country.
In Noveinber and December, we ran a series of ouireach events across Uttlesford lo promore Warm Homes advice and engage with
other coinmuiiity ?iervices.
In the run-up lo the General El￿tIon in May, we were pleased that we engaged willi all the prospective parliainenlary candidates lo
shal'e our insight into sonie of the issues faLed by our Llienis.
We wroie to our MP, Keini Badeno¢h lo raise the issues ot. fuel poverty in her consliluency aiid the difficulties laced by individuals
subject to an Inderenninale Sentence for Public Protection, (known as the IPP sentence).
Stdtl ￿nd volunteer4 completed 242 el'idence form% highl ightiny i4%ue% and systein4 that are Unt￿1r or dre eJu4illLZ hard¥liip - i%%ue
included digital exclusion, poor iural transport, problems with ulilily suppliers, poor decision making by DWP, inadequate Inediual
assessments, difficulties f&ced by refugees. problemts with pensiL)n creLlit appliLalionb. We alsL) responded to Lonsultalions on.. weltare
benetiis relorn), personal insolvency. local coiinci I tax supporl and homelessiiess.
We supported several social media campaigns
Scam Awareness, Fuel Poverty awareness, Fraud Prevenlion, Energy Saving and
Siudeiii Vuluiiieeriiig.
Our regular Inonihly training sessions for staff and volunteers continued, covering Pension Credi¢, Debt and debt emergencies,
housing 511PPOrt, homelessness. health and safety, safeguarding, employment lthw - and included sessions by Shelter, Homeslart, UDC
Recoveries and Beiiefits and Rev¢nu¢s.
We look parl iii some fanlaslic community events including.. Duiimow Carnii'al, Great Dunmow Showcase and Siansled Wellbeing
Fe.stival. We also presented to SJffroii Wulden Town CuunLiI, Greul DunniL)w Town CouiiLiI and Thaxted Puri.sh CuunLiI to update
ouncillors on our work in their cominunitie8 aiid enjoyed a 'not lo be missed. opportunity lo spend the day wilh soine frlendly
firemen,. door knocking lo check people have working smoke alarms!
W¢ celebrated Volunteers Week with a walk and a swim
and enjoyed sorne tantastic social events orsFanised by the Saf'fron
Walden Town M¢?yor - who noniinaled us as one of his 'Mayor's Charities. for his year in orrice.
We Luntinued to work with other volLintary %eLtor organi%alic)ns in We%1 E%seK and Hertford%liire part ot"& VCFSE AlliunLe lo try
and support a beller 5yslein working wilh NHS and Statutory partners.
Frontline Referrals, a company owiied and controlled by Uttlesford Citizens Advice, continiied lo perfom) well: with expansioll into
Colchester, it now covers tlie whole of Greater Essex.
Public benefit
The TTuslees liave complied with ilieir duty lo have due regard to the guidance on public benefil published by the Charity
Gomtrnission in exercising their powers or duties. This report describes the aLtivilies the Charity has Larried out for the publiL benefit
in Ilie last year.
Page 2

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
OBJECTIVES AND ACTIVITIES
Performance and Service Provision
Thc SLrvicu Supportud 4,107 uniquc cliLiilb tlirough thu ycur12023-2024. 3.957}. muiiy using IhL tscrviLc tnorL than vncc to dLul with
16,902 issues (14.2.141. This is a 3.80/ty increas¢ in clienis and a l 8.7070 increase in issues compared wilh 2023-24. Using governineni
approved impact assessments Ihis equalefi to £7,371,872 in value lo our clienls, by increasing their Inc0￿e, working lo gel debt
MJrilteii ot'l'and providiniv coiisiiiner advice.
L'hu following Idblc sL'Ls Out the numbLr% of LIiLnt.4 and i%%ucs dcali with in la%1 ycur-
3113125
3113124
Uiiique client number5 (people usingy the 5erviceone or
tnore tiines in the year)
4.107
3,957
Issues
16,902
14,2.34
Percenlag7e ot clients USillg7 the servicefor the tirtyl tirne
54f1l
ClleDt vlslts, phone calls, vldeo
calls, eniails and lettei's
3113125
3 llJ124
Non cllent phone
calls,emails and letlers
3113125
3113124
Total
3113125
3113124
Tolals
16,024
15,923
4,747
5,905
2U,771
21,828
Staff and Volunteers
At Ilic yLar end WL cmploycd 27 part-liniL sldft"{2U?4 2L)) working 16,15 full-lime (2U24 IX) LqUlVdlLnl rolcs. This is brokLn down as
tollows.. Core advice, speLialisl casework and olTice support, 17 slatl. working 9.45 FTE roles: FToniline, 7 slafT' working 3.7 FTE
roles; Macmillan welfare beiiefits casework, 5 stalf working i FTE roles Ilwo inembers ot- staff split their hours belweeii core advice
dnd Macinillan project roles).
Paid roleb cover Ihe inan&g¢nient and delivery of the serviLe, Ihe training und quality assurance of the adviLe provided, supervision of
advice sessioiis. aiid sp¢cialist warm hoires, debt and disability b¢iiefit work. Ai the eiid of March 2025, we had 72 volunteers
working approxiinalely 388 liours a week for the L'harily. including l O voliinieer Triisiees. (2024, 67 volunteers workiiig 400 hours a
week). This eNliinJled to be valued al over £688,375 12024 £514,000). Voliinteer¥ coi'er the delivery ot generdli%l ddvice,
assisied informaiion provision, home visii woi-k, fundraising, media work, governance, and financial and iiraiegic conirol for (he
Lharily.
Coniinuing lo sirengthen our volunteer capacity lo manage increased demand and provide the best possible servic.e for oiir clients has
retnained a priurity. Although we ¢ontiriLied to strugile to re¢ruit new ￿OlUnteer￿ tor muLh ot. the year, we were pleu%ed to n(Trte yonie
renewed interest towards Ihe end of the period; however limited space in the office and training resources proi'ide their own
Lon51raints.
Wilh interest iii volunteering i'oles reluming, we have reverted lo running group training sessions, which provide the benefit of peer
siippurt fur trainee%. Our %uminer intern program for sludellL% welLoined two vuung people into the oftlLe
providing them with
invaliiable experience, whilst helping us to cover ¢1 traditionally difficult period over Ihe school slimmer holidays.
We remain sincerely grateful lo our volLinleers, for their continuing commitment and calm professionalisin and lo our staff, who are
dedicated and resilient and continue lo otTei- exeinplary 51JPPQrt to both our voluiit¢er5 and clients, whilst balancing, the need to
Lnainlain good qiialiiy advice and Iraining.
Page 3

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
OBJECTIVES AND ACTIVITIES
Quality of Adi'ice Audit
Wc cuntiniiL to work hurd to Pr()￿id￿ good quality, h()li4tiL udviLC duspitc thc LliullLiigu% of supurvi%ing, truining und Supporting niany
new volunleers in an environmeni of growing den]and.
We are audited annually by the Nation&1 Association of Citizens Advice on the quality ot advice we provide, as well as a rangFe of
other issues such as, Governance, Strategic Business Planning, Risk Management: Financial Management, People Management,
Equality LLadcr%hip, L)pLration P¥rformunLL MunagLmLnt, PurtnLr%hip Working and RL4LarLh and Campaign4.
Client profile In Uttlesford
We work hard lo ensure Iliai we are accessible lo all parts of our community. 1.870 clients aRreed lo Rive their eilinic oriqin, as
follows-
Ethnlc Orlgln Grouplng
While
M ixed Race
Asiaii or Abian British
Black or Black Briiish
Othcr
3113125
89.4
3113124
91.6
When asked the question. 'do you feel you have a di5ability?1 61 /n of the 2,309 clients who responded slated that they did liave a
(b of 2,37()). 5%.7'/iJ of our clients were fernJle, 41.3'/0 were mule (2024 59,/0
Lli%abilily or lons-term hedlih condition 12024. 6211/
f¢inal¢, 410/0 mal¢),
Age profile group
0- 14
3111125
1.411/0
3.60/u
12.80/
23.1'/0
?7.40/.
14.61J/o
12.70/,
4.40/0
3113124
25-34
35-49
50-64
65-74
75-84
85*
12.0%
23.()'/o
26.301.
14.91Tr/0
5.40/D
FIIYAIYCIAL REVIEW
Fiiiaiieial po$ilion
In¢omiiigi resoiirces in the year were £506.967 {2023124: £536.3231. Of this £265,154 {2023124'. £303:996) related to project
reslricled activities.
A surplus of £24,.368 was made in the year on tlie General Fund {202.3124.' surplus £2C).820) and a surplu5 of £865 was made on
restriLled ailLVLtie3 (2023124- £35,553 surplus) belore transfers betweeri funds. As at 31 M&rLh 2025 total reserves were £.389,2W (31
Marrli ?024.. £364,057) ot, wliich £368.535 repre5¢nted unre51ricted tunds (31 March 2024 £343,544).
Reserves pvlit}
Il is Ihe policy of the Charity lo hold reserdes sufficient to cover at least six months day-to-day operating costs of the Charity and to
cover any known liabilities including an estimate of the possible costs in the event the Charity had to be wound up, The year end
level of. Ca￿17 reserves less current liabilitie5 ￿'aS sutticient to allo￿, the Charity to coiitinue to opeTate for at least six months if the
core lunding was withdrawn.
STRUCTURE, GOVERNALYCE ALYD MANAGEMELYT
Governing doeument
The ¥liarity is controlled by its governinLF docuinent, a deed of t￿St, and constitutes a limited company, limited b). gFuarant¢e, as
defined by the Companies Ac(2006.
Page 4

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
Uttlestoi-d Citizens Adiice Bureau {"the Chaiily") is a regFlSt¢i¢d charity and a company liinited by (Juaranree tliat diie5 not h&ve a
share capiial. The Inaximum liability o( each member is liiniled to one pound. As at 31 March 20?5 Ihere iyere 25 rnembers of Ilie
Charity. Thi Charity was iiilorporutcd a& a company limitcd by guurantLC on 14 Muy 1999. It tvok ovLr thc liabilitlL% uf
the similarly named unincorporated chariiy (hai had commenced operations froin preinises in Saffron Waldell in 1981. Tlie C,hariiy is
governed by ils MemoraIidum and Articles of Association. Revised Articles of Association were adopled 7 September 2004 and
turther atn¢nded on 31 October 2005.
Recruitment ind appointment of new trustees
Truslees, who are also Direclors of the Cornpany, are elecied from the local community or appointed following nomination by
member organisations. Duriiig the period under review there were no nominaled Trustees. The Truslees keep under review their skills
mix and diversity and ¢ndeavour lo encouragre candidates ￿,hO can Inake a usetul contribution to Ihe runningT of tlie Charity to join
them. Trustee Board vacancies are adveriised as widely as possible in the local comtnunily usin% (he iialional body of Cilizeiis
AdviL'L WLb%ilc. %OLial mLdid, the IoLdl prL%% dnd VolunlLLf Ccnlre through LonneL'lion% with uthLr IoL'dl or¥dni%utions. Potcnlial
candidates go through a fornial r¢cruitmenl process lo assess Iheir suilabilily for the role and al-e provided with induction and support
during their first year in oflice. The Trustees, and in particular the Chair, have kept under revielv the cornposition of the Trustee
Board with a particular emphabis on successioii planning,. The Trustee Eloard has Ihe task of rai5inL? the profile ot the Charity so that,
ainonggl other thing8, poleniial recruits lo the Triislee Board njay be drawn from Ihe ividesi possil)le pool ofcandidales that refle¢l the
arLa scrvcd by Ilic Chdrity. ThL Chair aiid TrcasurLr arL LIcLtcd L vcry Ihrce years trom amongst Ilic TruslLLS.
Orgxnlsatlonal structure
Tlie Tru%tees dl-e re%poii.%ible frjr orgFani%aliondl policy mdkinby dnd pldniiing,, financial decision muking7, an(1 the overall operation nf
the Charity. Day-to-day operation of Ihe Charity is delegated lo the Chief Execulive. During Ilie financial year, the Trustee Board mel
a lot&1 of l O timLs, including an AGM and additional t"ull-day stratLgy SLSSiOlI, Ivhich look plaLL iii April 2024.
Rlsk Management
Tlie Trustee4 have d RiNk Mdna¥enienl Strdte¥y which coinprise%:
Maintenance of a risk regislei. and annual review of Ilie principle risks and unLertainlies the Chari15' faces
Tli¢ e&+iablishnienl of policies, svslems anLI procedures to Iniligute Ihose identified risks.
The iinpl¢nieiitalioii of procedure5 desigyned to minimise any poleiitial impact on the Charity should those risks materialise.
Statement of Dlrectorsl Responslbllltles
Conipany Law and Charity LJW rLLILiirL the directors to prepare financial slaiements for eacli financial year which give a true and fair
view of Ihe state of affairs of the Charily and of the surplus or deliuil for that period. In preparing those financial slalemenls the
directors are reqiiired to..
(a) select suitable accounting policies and then apply them consislenily;
Ib) muke judgemeni% (Ind esiiinaies IhJl iire I'ealonuble dnd priidenl;
(c) stale whether applicable accounting standards have been followed, subject lo any Inalerial departure disclosed and explained in the
rindllLial statements; and
(dj prepare tillancial statements on a (*oingF concern basis unless it is inappropriate lo assume that the Charity will ¢oiitinue 01) tliat
basis.
Tlie director% ure ul.so respuii4ible fur keepiiig proper dLL'OUllting reLord% wliiLh di%Llose with redsonuble UL'LuraL'y lit lliiy lime the
financial position of the Charity ￿)d lo enable them lo ensure that tlie financial slalements comply witli tl)e CoLnpanies Act 2006.
The directors are responsible for ensuring that the Charity maintains an adequate system of internal control designed to provide
reasonable assurance that assets are safegvuarded agrainst material loss or unauthoTised use and to prevent and detect traud and other
irre.giilarilies.
Page 5

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
STRUCTURE, GOVERNANCE AND MANAGEMENT
Thanks
Thc Trustuc% ivi4h to thank ￿11 thosc pcwplc and orgthni4tttions that havL %upporlcd thu Churity throughi)ut ihL ycur. Thc Tru%tLLs ￿r￿.
graieful lo rhe members of (he Chariiy for their donaiions and efforts lo bring the Chariiy to tlie noiice of the wider coininuiiity. Tlie
support of the local dislrict town and parish councils in conjiinction with other individuals aiid organisalions is ini'aluable and very
mucli appreciated.
L'lIL' I rustLC% arL p¥rliLularly gratL'ful fui. IhL grant.% and dLination% tu hLlp tund thL Lhltrity's LorL uxpLndilurL rLLLivud from
Utilesford District Council, SaCfTQll Walden Town Council, Essex County CouTbciI, Souih Cambridgeshire Districi Couiicil. Greai
Dunmow Town Council, Saffron Wlllden Mayor's Charity> Rotary Club of Saffron Waldeii, Felsled United Charities and many of
Uttlesford's parish council5.
TargLtLd funding from E%scx County CounL'il, MaLmillan CanL'cr Siippurl, Tru%sLII Trust. Uttlc%ford Di.%triLt CounLil, VCFSE
Alliance, Essex Comimunily Foundation, Canibridge Coinmuiiily Foundation, UK Power Networks, and Cadenl enable us lo
undertake specific projects and target support lo the most disadvantaged sections of the community.
Lastly tlie Tru51ees would also like to thank the unpaid volunteers aiid the paid staff, without whose contribiilions the Charity could
not funLlion. Tlicir rLsilicnLC and profLSSLonalism Lonliiiuc to inspirL thL work of Ihc Board.
REFERENC.E AND ADMINISTRATIVE DETAILS
Registei'ed Companv number
0.3771142 (England and Wales)
Registered Charity number
1078222
ReRi5tered oifice
BarnJi'ds Yai'd
Sattron Walden
Essex
CBI14EB
Trustees
R A .4n)iitagye
K M Barton
M Bentold
Ms L Bii'd
Ms C Fiddy (resigned 111912025)
Ms J S (Tarner
A T Pooley (resigned 111012024)
J D SiaiT
Ms Nl T Sienson
Ms K Hanks
B Conry (appointed 111012024)
Compmny Secretary
B C'onry
Independen¢ Examiner
Ait¥iibui'L7uglL% (AbLvuIitaJi15) Lijiiiled
ChdLtLrLd CLrtifiLd ALLL)Untant%
l Tower House
Tower Centre
Hoddesdon
Herifordshire
ENII SUR
Page 6

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Reporr of the Trustees
for Ihe vear ended 31st March 2025
Approved by order of the board of trustees on 29th Oclober 2025 aiid signed on lis behalf by..
Li M Bartun -'1 ru%tiL
Page 7

Independe￿t Examiner'5 Report to the Trustees of
Uttlesford Citizens Advice Bureau
Independent examiner's report to the trustees of Uttlesford Citizens Advice Bureau ('the Companv,)
I report to the Lharity trustees on my examination of the atitiounts of the Company for the year ended 31 st Ma￿h 2025.
Responsibilities and basis of report
As thc LhJrit} & trustcLs of tliL Cotnpuny (and also ils director% for thc purposcs of Lumpuny lawl you rc%ponbiblL fur thu
preparation of the accounts in accordance witli tli¢ requirements of the Companies Act 2006 ('Ihe 2000 Acl'}.
Havin&v satisf led Inyselt, that the account5 of the Company are not required to be audited under Part 16 ot, the 2006 Act and are
eligible for independent examinalion, I report in respecl of my exaininalion of your Lliarity's acbounls as carried out under Section
145 ot thL LharitiL% ALI 2U I I I'IIIL 2U I I ALt')- In Larrying out tlly L'xaininulion I huvL followLd IhL L)irLLtiun8 givLn by ihc Charity
Commission uiider Section 145{51 (b) of the 201 l Act.
Independent exarniner'5 Stglement
Since your charity's Ayoss incoine exceeded £250,000 your exaininer musl be a nieinber of a listed body. I can confirm that I am
quulifiLd to iindcnakc tlic cxdniindtitsn bcLau%e l llin a InembcL' of the A%%oLiation ol. Cliartcrcd Ccrtificd ALLountunl%, wliiL,h 1% onL' of
the listed bodies.
I have completed my examiiialion. I contirm thal no malters have coine to my attentioii in ionnection with the examiiiation gyiving Ine
cause io beliewe..
accounting records were not kepl in respect ot. the c.ompany as required by Section 386 01. the 2006 Act. or
the accounts do not aceoiyl witli those records; or
the aceount.% do nol comply with the accouiiliiigT requirement% ot. Seclion 396 nf the 211Q6 Act otlier than uny requirement tliat
tlie accounis giwe a true and fair view which is not a niaiter considered as part of an independent exainination. or
thL aCLounls hdVL not bLcn prLPdrcd in k)LLordancc with IhL methods dnd priiikniplcs of the Statcmenl tsf RLLon)mciidLd
Practice lor accounting and reporting by charities (applicable to ehariiies preparing Ih¢ir a¢counls in accordanc¢ willi the
Financial Reporting Standard applicable in the UK and Republic of Irelalld {FRS 102)).
I have no Loncerns and liai'e Lolme across no other mallers in Lonneclion with the examination lo which allenlion should be drawn in
this repon iii order to eiiable a pioper understanding of Ilie uccounts to be l'eached.
David Roger Pallinan FCCA
The Association of Chartered CertifLed ALLountants
Aiienborough% (AcLounlanls) Limited
Chartered Certified ALLC)unthnls
l Tower Hoiise
Tower C'.entre
Hodde5don
Herifordshire.
ENII 8UR
29th October 2025
PagFe 8

UTTLESFORD CITIZENS ADVICE BUREAU
Statemenl of Financial Activities
for the vear ended 31st March 2025
3113125
Total
runds
3111124
Total
funds
Unrestricted
fund
Restricted
fund
NutL.
I]YCOME AND ENDOWMENTS FROTrI
Grants, donalions and legacies
2?9,335
265,154
494,489
523,665
Investment incoine
Tut21
241 813
265 154
506 967
536
EXPENDITURE ON
Ch4ritable activities
Chdritable dctivities
225 796
245,431
481227
473 950
NET INCOME
Transfers betw'een funds
Nel movement in funds
16,017
9,481
25,498
9,723
62,373
15
242
25,740
62,.37.3
RECONCILIATION OF FUNDS
Toial funds brought foi'ivard
343,544
20,513
364.057
301,684
TOTAL FUIYDS CARRIED FORWARD
389 797
364 057
The notes form part of these financial sl&iemen¢s
Page 9

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Balance Sheet
31&t March 2025
3113125
Total
runds
31131?4
Total
funds
Unrestricted
fund
Restricted
fund
NutL.
FI,XED ASSETS
Tan￿ble asseis
254,913
254,913
261,091
CURRENT ASSETS
L)Lbiurs
Cash al bank and in hand
iu
IJ,692
287 969
301,661
lJ,692
308 724
322,416
2èS,93
280 161
309,099
20,755
CREDITORS
AinL)unt.% falliiig due within one yeur
(414,047)
14Y,047)
((11,1154)
NET CURRENT ASSETS
253,614
20,755
274,369
247,245
TOTAL ASSETS LESS CURRENT
LIABILITIES
508,527
20,755
529,282
508,336
CREDITORS
Amoiints falliiig due after inore Ihan one year
12
1139,485)
(139,485)
(144,279}
IYET ASSETS
FUNDS
UnrcslriLled funds
Restric.ted tiinds
TOTAL FUNDS
389 797
364 057
15
369,U42
343,544
389 797
The charitable company ib entitled lo exemption from audit under Section 477 of ihe Companies .Acl 2006. for the year ended 31 sl
Marcli 2025.
The meinbers have not required Ihe company to obiain an audit of its financial siaiemenls for the year ended .1 I st kTarch 2025 in
occordance with Sectioii 476 of the C'ompanies Ael 20U6.
ThL IruslccN aeknowlcdgL thLir rcspon%ibilitlL.s for
(a)
ensuring that the cl)aritable cornpany keeps accounting records th£bt comply with Sections 386 and .387 of tlie c.ompanies Act
2006 and
preparinu finBiicial slateinent.% wliieh ¥iiye a true ancl fair view of the 4tate of affair% ol. the charitable coinpany a4 at the eiid ot
eacli financial year and of ils surplus or deficil for each financial year in accordance with Ilie requirements of Sections 31)4
nd 395 and which othctwi4L coinply with IhL rcquirLmcnls of thc Companic8 ALt 2006 rL'lating lo financial 8tatcmLnl8, 80
far as applicable lo Ihe charitable coinpany.
(b)
The notes form part of these financial sl&iemen¢s
P¥AEe l O
continued..-

UTTLESFORD CJTIZENS ADVICE BUREAU (REGISTERED NUMBER: 03771142)
Balance Sheet- continued
31&t March 2025
These finanLi81 statements have been prepared in accordance with the provisions applicable lo charitable Lompanies subjeLI to the
small companies regitlle.
The linancial slalem¢nls were approved bj the Board of Trustees and auihorised for issue on 29th October 2025 and were signed oil
its behalf by-
K M Barton - Trustee
The notes form part of these financial sl&iemen¢s
Page 11

UTTLESFORD CITIZENS ADVICE BUREAU
Cash Flow Statement
for Ihe vear ended 31st March 2025
3113125
3113124
Notes
C#sh fltsws from oper#ting activities
Cash generated froni operaiioiis
Interest paid
Nel cash provided by operatingr activities
64,860
11410)
10,937
Cash flows from inveslirbg activitie5
Purchase ol tangible fixed assets
Interest received
Net cash provided by investing activities
(1,392)
12,478
(8.094)
12.658
Cash lloms from financing activities
Loan repayments in year
NLt L&Lsh USLd in findnLing aLlivitlL'4
4,850
4,850
3.418)
ChMnLie In LllSh and L#￿h equlv#l¢nts In
the reporting period
Cgsh aiid cgsh equivalents at the
beRlnnln% ot. the reportlng perltsd
Cash and cash equivalents at the end of
the reportiiig period
28,563
54,596
280161
225 565
3014 724
280 161
The notes form part of these financial sl&iemen¢s
Page 12

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Cash Flow Statement
for the vear ended 31st March 2025
RECONCILIATION OF NET 1Tr4COME TO NET CASH FLOW FROM OPERATING ACTIVITIES
11131)5
3113124
Net income for the reporting period (as per the Slatement of Financial
Activities)
Adjustment5 for:
Depre¢idtion ¢harges
Interest received
Interest paid
Decreasel(incre&se) in debtors
Decrease in creditors
Net Lash pruvided by operAtion5
25,740
62,373
7,570
(12,4714)
8,642
(12,658)
11,410
(4,S89)
18)
15,246
1.1751)
AIYALYSIS OF CHANGES ILY LYET FULNDS
At 114124
Cash tlow
At 31/3125
Net e4sh
Cash al bank and in hand
280.161
280 161
308.724
3U8 724
Debt
Debis tallins7 due within l year
Debis falling due after l year
(6,367)
144,279)
I $0.A46)
129 515
56
4,794
139,485)
14.f 796)
162 928
Total
The notes form part of these financial sl&iemen¢s
Page 13

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5
for the vear ended 31st March 2025
ACCOUNTING POLICIES
Basis of preparing the finanei#l tytatements
The financial slaienieiils of tlie chariiable company, which is a public benefil eniily under FRS 102. have been prepared iii
accordaIice with the Charilies SORP (FRS 102) 'ALcounting and Reporting by Charities-. Sialetnenl of Recommended
Practice applicable to charities preparinbF their accounT5 in accordance with the Financial R¢portinb, Standard applicable in the
UK and Republic of Ireland (FRS 102} (effectiiie l January 2019),, Financial Reporting Siandard 102 'The Financial
KLpuning Slanddrd appliLablL in thL' UK dnd RLpubliL of IrL'lund' and thL LompaniL% ALt 2UUb. 'I"hL tiiianLiul slalcmL'nt
have been prepai'ed under the hisLorical cosl convenlion.
Incorne
All incorne is recoAnised in the Siateinenl of Financial AclivLties once ihe chariiy lias entitlement lo ihe funds, il is probable
that th= inLome will be reLeivcd und thc dmounl Lan bc mLd%urcd rLliably.
Expendlture
LiLlbil ities are recogTnised as expeiiditure as soon tliere is a legyal OT constrLiCtive obligvation cominittingy the charity lo that
exi)endi(ure, il is probable thai a tran.sfer of ecoiiomic benefits will be required iii seiileinenl aiid ihe amount of Ilie obligation
can bc mcasurcd rLliably. ExpcndilurL is dLcountcd for on an aLcruals basis and has bccn LlassitiLd undcr hLadings that
aggregate all cost relaled to the Lalegoiy. Wliere costs cannot be directly attributed lo particular headings Ihey liave been
Ilocaled to Ilclivilies on a basis Lonsibienl witli tlie use ol I'esources.
Tangible fixed assets
DcprL'Liation is providcd dl thc following annual ralcs in order to wrilc off cacli assct ovcr its cstimatcd useful lifL.
Freehold property
Fixtures and fillings
Conipuier eLiuipineni
2'/o on cost
250/u on reducing balance
33,/0 on Losi
TaxAtlon
The chdrity its eyempt from corporation tax on il% charitdble activities.
Fund 1ccounti￿g
Unrestricted tunds can be used iii a¢¢ordance with the chariiable objeciives at tlie discretion of tlie trugtees.
RestriLied fund% L'aii Onl￿ be used fur particulur restriLied purpobe5 wiihin the ubjeLIs Ot ihe L'liarily. RestriLiiolls iirise when
specified by the donor or when funds are raised for parlicular restricted pu￿OSes.
Further explanation ot"th¢ nalure and purpose ot'each t'und 15 included ii) the notes to the linancial 5talem¢nts.
Hire PVfLhase And lvasing iommilmentS
Reiila15 paid under operating leases are charged to the Statement of Financial ActLVities on a straiglil line basis over the
period of the lease.
Pensl4)n cosls and other post-retlrement benellts
The Llillrildble LoIMpany operule% d defined Lonlribulion pension %L.heine. Contribution% paydble to the Lharitsble Lumpany,
pension scheme are charged lo Ihe Statemeni of Finaiicial Activilies in the period lo which they relate.
P¥AEe 14
continued..-

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5- eontinued
for the vear ended 31st March 2025
GRANTS. DONA TIONS AND LEGACIES
11131?5
3113124
Donations and legacies
Grants
Manasieinent tees
23.272
464,221
1.1,843
50.3,141
494 481)
ILYVESTMENT ILYCOME
31131?5
3113124
Deposit acLuunl intere&4t
CHARITABLE ACTIVITIES COSTS
DirLLI
Cosls
Charitable a¢livilies
481227
NET INCOMEI{EXPENDITURE)
Net inLoimel(expenditure) is stated after ehargiiigl(crediling):
.31111?5
3113124
De.precialiDn - owned Assels
Hire ofplanl and machinery
7,-$70
73
8.642
131
TRUSTEES, REMUNERATION AND BENEFITS
There were no irustees, remui)eraiion or oil)er benefits for Ihe year ended .31 si March 2025 nor for Ihe year ended 31 si Nlarch
2U24.
Trustves, ¢xp¢ns¢s
ThLfL wcfL' no trustCCS' Lxpcnscs paid for IhL yCI)r cniL.d 31 st Mdreh 2025 nor for the yLLf Lndcd 3 1st M&irL'h 2024.
P¥AEe 15
continued..-

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5- eontinued
for the vear ended 31st March 2025
STAFF COSTS
11131?5
3113124
Wages and salaries
Social security costs
Other pension costs
.370.015
26,030
349,478
26,201
418 444
400 (W4
The al'erage monthly number of einployees during Ilie year was as follow's..
3113125
3113124
18
OffLce and management
No eirployees received emolumenls in excess of£60,000.
COMPARATIVES FOR THE STATEMENT OF FINAIYCIAL ACTIVITIES
Uiir¢sti'ictcd
fund
Rcsti'iclcd
tund
Total
tunds
INCOME AND ENDOIVMENTS FROM
Grants, donations and legacies
219,6C)9
.30.).996
523,665
Investmeiil itr)come
Total
12,658
536,-123
232,327
103 996
EXPENDITIIRE ON
Charitable aL¢ivilies
Chai'ilabl¢ activities
205 507
268 443
473 950
NET INCOME
26,820
40,386
67,206
.15,553
40 380)
(4,833}
62,373
TrMnslers b¥tMeen Yiind&
Lyet movement In t'und5
62,373
RECOLYCILIATION OF FUNDS
Total funds brought t"orward
216,33
301,684
TOTAL FUNDS CARRIED FORWARD
364 057
P¥AEe 16
continued..-

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5- eontinued
for the vear ended 31st March 2025
TANGIBLE FtXED ASSETS
Fixtures
nd
fitiit]gs
FrLLhold
prop¢riy
c￿l￿pUt￿r
equipment
Tolals
COST
Ai Isl April 2044
Addition
Ai 31 sl March ?025
DEPRECIATION
Ai I st April 20?4
C.'harge for year
Ai 31 st Mllr¢h 4025
NET BOO1& V.4LUE
Ai 31 51 MdrLh ?025
Ai 31 sl March 2024
294,806
34,515
7JJ
35,248
17,305
h5Y
346,626
1,392
348018
294 806
40,672
4.400
31,150
1,024
13,713
2.146
85,535
7.570
93.105
249 734
254 134
254 913
261091
io.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31131?5
3113124
Trade debtors
Oihcr dLbiors
Accrued income
1,103
ii.
CREDITORS: AMOUNTS FALLINC DUE WITHIN ONE YEAR
31131?5
3113124
Bank loans and overdraftb (see note 13)
Trade creditors
Social security and oiher iaxes
Other L'redilor
Deferred incoine
Accrued expenses
6.311
1,682
7.788
5,414
21.Ci46
5.206
6,367
2,543
8,243
2,1116
.3.3,.3C)3
P¥AEe 17
continued..-

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5- eontinued
for the vear ended 31st March 2025
12.
CREDITORS: AMOUIYTS FALLING DUE AFTER MORE THAN ONE YE.4R
11131?5
3113124
Bank loans {see nole 13)
119485
144279
13.
LOANS
An dndly%is ot'tlie nidturily ot loanb is given below:
3113125
3113124
Aniouiils falling diie within oiie year on demand-
Bank- Ivan
Amounts falling between one and two years:
Bank loan% - 1-2 yLar8
Ainounls falling duL between two and five years:
BaIik Iui111S - 2-5 ycili.
Ainounts lalling due in more than five years.,
Repayable by illstalinenl.4'.
Bank loaiis more Ilian 5 years
IIL,367
16.161
14.
SECURED DEBTS
The following secured debt% ure included within credilor%-
31131)5
3113124
Bank loans
145 796
The above loan is secured by way of a legal chai'ge over the chariiy's freehold properly.
15.
MOVEMENT IN FUNDS
Nel
Inovenieiil
in t.unds
Transfers
between
funds
Al
311.3125
Ai 114124
Unrestricted funds
General fund
343.544
16,U17
9,481
369.042
Restricted fullds
Rc4trietLd flind%
9,723
(Y,4141)
2U,755
TOTAL FUNDS
364 057
389 797
P¥AEe 18
continued..-

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5- eontinued
for the vear ended 31st March 2025
15.
MOVEMENT IN FUNDS - continued
Nct movcmLnt in funds, iiiLludcd in thu ab()N'L arL fL)IIvws'.
Incoming
resources
Resources
expended
Movement
in fruniLg
Unrestricted funds
Geiieral fulld
241.813
(225,796)
16.017
Restricted funds
Reslribled lunds
265.154
(255.431)
9,723
TOTAL FUNDS
506 I)67
481227)
Cnmpar*ti%'ei for mov¢meknt in funds
Nel
IT]ovenient
in funds
Transfers
between
funds
At
3113124
Ai 114123
Unrestricied funds
General fuiid
276,138
26,820
40,.186
34.1.544
Restricted funds
Rebtricled fuiids
25.346
35.553
(40,386)
2U.513
TOTAL FUNDS
3UI 684
364 057
Coinpaiative iiet iiioveiii¢iit iii fuiids, iiiclud¢d iii Ilie gbovc air as follows..
Incoming
rL%oufL'LS
Resources
LxpLiidLd
Movemeni
in fuiid
Unrestricted funds
General tund
232,327
(205,507)
26,1120
Restriited funds
Ris11'i¢lLd funds
303.990
(268,443)
35,553
TOTAL FUNDS
5.36 .323
473 950)
P¥AEe 19
continued..-

UTTLESFORD CITIZENS ADVICE BUREAU
Notes to the Financial Statement5- eontinued
for the vear ended 31st March 2025
15.
MOVEMENT IN FUNDS - continued
A LurtLnt yuar 12 month% and prior yLur I
nionths LvmbinLd position 1% t-ollow>'.
Nel
moveineiit
in funds
Transfers
between
funds
At
3113125
Ai 114123
Unrestricted funds
General fund
276,338
42,837
49,867
369,042
Restrleted funds
Re.%lriLtLd fLind%
25,346
45,276
(49,8671
20,755
TOTAL FUNDS
301 ()84
389 797
A LurrLnt ycar 12 months and prior yLar 12 months eombiiiLd nLt movLikncnl in funds, includLd iii thL abovL arL a8 fullows-
Incoming
resource
Resources
expended
Moveinent
in 1.unds
Unrestricted funds
General tuiid
474,140
(431,303)
42,S37
R¥striLted funds
Reslricled funds
569.150
(523,874)
45.276
TOTAL FUNDS
1041290
955 177)
16.
RELATED PARTY DISCLOSURES
Durin&1 the year tlie cliariiy received donations aiid manÉlgTemenl tees ot'£23,()99 ('
.024.. £4,205) Iroin Frontline Reterrals Ltd,
a company Ihat is a wholly owned subsidiar), of the chLlrily.
Page 20

This document was delivered using electronic communications and authenticated in
accordance with thc registrar's rulcs relating to elcctronic form, authentication and
manner of delivery under section 1072 of the Companies Act 2006.