Charlty registration number.. 1078353 HEALTH HELP INTERNATIONAL Annual Report and Financial Ststernents for the Year Ended 30 Ntsvemf 2025
HEALTH HELP INTERNATIONAL ANNUAL REPORT AND FINANCIAL STATEMENTS YÈar Ended 30th November 2025 CONTENTS PAGE Triislees and Professional Advisers Trustees Annual Report Independent Examinerfs Report 15 Statement of Financial Activities 16 Balance Sheet 17 Notes to the Financial Statements 18
HEALTH HELP INTERNATIONAL TRUSTEES AND PROFESSIONAL ADVISERS Charity name Heatth Help International Gharity registration number Principal offico 1078353 Brynnyfryd Road Newport South Wales NP20 4FX Patron Mr R W Prosser Trustees Dr C John Mr J Spurrier-Davies Di E Plummer Mrs S Chalmers Mr C Byrne Mr I Park Mr G Thomas Bankers Lloyds TSB 42 Commercial Street Newport South Wales Monmouthshire Building Society John Frost Square Newport South Wales Friends of the Banyan Tree (three accounts) Natwest The Square Willerby East Yorkshire HU10 7UA Strathaven Friends of HHI Bank of Scotland 13 Common Green Strathaven ML10 6AQ Independent Examiner Mr W K Paine 44 Pettingale Road Croesyceiliog Cwmbran Torfaen NP44 2NZ
The trustees have pleasure in presenting their report and the financial statements of the charity for the year ended 30 November 2025. ORGANISATION AND STRUCTURE Health Help International (HHI, the Charity) became a registered charity on 25 November 1999. The Charity was originally set up to provide funds and assist Mpongwe Mission Hospital in Zambia, and was known as The Mpongwe Mission Hospital Appeal. The Charity is unincorporated and is governed by its constitution. The Charity's registration number is 1078353. The Charity's patron is its founder, R W Prosser. The trustees The trustees who seNed the charity during the year were as follows.. Dr E Plummer (Chaimian) Mr J Spurrier- Davies (Secretary) Mr G Thomas (Treasurer) Mrs S Chalmers Mr C Byrne Dr C John Mr I Park For the first accounting period the original trustees were those people who adopted and signed the Constitution. The trustees run the affairs of the Charity, but delegate much of this work to the Management Committee which comprises some members of the trustees and volunteer organisers. There are no paid employees. At the annual general meeting all members of the trustees shall retire from office but can offer themselves for reappointment. The Management Committee who served during the year were: Mr J. Spurrier- Davies Mrs J Williams Mr M Hopkin Mr B Medhurst Mr C Byrne Mr I Park Dr E Plummer Mrs H Winstanley Mr T Hatherall Mrs E Jones In addition to the above, the Friends of the Banyan Tree is a subgroup of HHI, which raises funds for educational and other projects in India and liaises with the Centre for Dalit Studies and Action (CDSA) in India. Its members are.. Mr P Baker Mrs S Seabon
A second subgroup is the Strathaven Friends of HHI {SFHHI) who raise funds for HHI in Scotland, in particular in Strathaven and the surrounding area. Their members are-. Mr lain Park Mrs Helen Baird Mr Willio Cooper Mr lan Gow Mrs Margery Menzies Mrs Kath Russell Appointment and training of trustses The trustees are appointed from individuals who have expressed an interest in the Charity. New trustees or members of the management committee are atways welcome. Objectives The object of the Charity is to relieve persons who are in conditions of need, hardship or distress by reason of their social or economic circumstances by the provision of medical treatment, medication. facilities, buildings. equipment or other necessary supplies. The thinking behind the work of the Charity is a resolve to obey God's command to love our neighbour as ourselves, to heal the sick and care for the weak and poor of this world. We seek to do this by supplying medical equipment and funding medical aid to those unable to afford hospitalisation or treatment, providing money for special needs school infrastructure and running costs, and funding humanitarian and educational help to those who need it most, in particular the disabled. We currently do this in Zambia and India. We consider that self-help is important for the dignity of the recipients and where possible we ensure this plays a part. REVIEW OF THE YEAR- OVERALL We have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing our aims and objectives and in planning our future activities. We review our aims, objectives and activities each year. This review looks back at what we achieved and the outcomes of our work in the previous year. This review helps us ensure our aims, objectives and activities remain focused on our stated purposes. The work of this charity is only restricted by the funds we have available, which are received from the kind and generous giving of private individuals and churches who continue to support our work, and grant funding from charrtable trusts (primarily Blackwood Engineering Charitable Trust). We strive to help any person or groups of people in most need without restriction or discrimination in our current areas of operation in India and Zambia.
REVIEW OF THE YEAR-ZAMBIA Executive Summary From December 2024 to November 2025 our work in Zambia through our sister organisation Health Help Zambia (HHZ) has continued to support the disabled and their carers. Where medical treatment or assessments have been required, funds have been sent to help the disabled receive the necessary medical attention. Where possible, individuals have been helped into sustainable living, and schools which provide education for disabled pupils have also received HHI funding. The severe drought experienced in Zambia during 2023-24 has abated as the country did received rain at end 2024 and into 2025. However, the power shortages are still an issue as it will take a few rainy seasons for the country to reestablish its hydroelectric power system. Meanwhile solar panels are being considered but the cost is huge The regrowing of crops by individual vulnerable families has still been challenging due to lack of funds to buy seeds and fertilizer. HHZ identified these needs and with HHIUK funds many families struggling with disability were helped to restart their crop growing. The three honourable members of the HHZ board of trustees give much of their time to support the work on a day-t041ay basis. Mr Fancy Gondwe as the board chairperson has continued to work tirelessly and contributes to the monthly reports which are received by HHIUK. HHZ Staff and Trustees The HHZ Board of Trustees, in acGordanrE with their oonstitution, met regularly throughout 2025 and invited HHIUK to table issues for discussion. Minutes of their meetings were reported to the UK. The HHZ board of trustees which includes Brother Innocent Phiri (Holy Family), Mrs Peggy Kalima (House Mother at Choongo School), Mr Arthur Bweupe (Head teacher Nanga school) and Prisca Hatembo (Senior teacher at Muumba school) continue to highlight the needs for the disabled in their schools, and in their communrties. Monthly reports and accounts are emailed to HHI UK for scrutiny, together with funding requests and project proposals. The HHZ accounts continue to be scrutinised by a volunteer within HHIUK and all the income received, and expenditure generated by HHZ has been recorded and reconciled to bank statements. During 2025 HHZ the honourable trustees continued to apply and write project proposals to organizations within Zambia as well as international organisations to try to acGess additional funding. These Included the US Embassy. Bank of Zambia, World Vision, Action Aid Zambia and Oxfam. They were SUCssful in reIvIng seeds and fertilizer from Seed Co and mobility aids from the Bank of Zambia. The sections below describe the work done in more detail. Management and Staffing at the Monze Centre The eight HHZ members of staff come together each working day to the HHZ compound where they work as a team with Mrs Brenda Chileshe at the helm as administrator. She is well supported by Mwansa Mpoftu as assistant administrator. Three of the HHZ team are physically disabled. They are all focused on helping the daily clients who come seeking assistance due to their disability, poor health and lack of resour$. Sign language is used to communicate with those with hearing loss.
All eight HHZ members of staff have continued to be employed as full-time workers. HHZ has joined NHIMA (National Health Insuran Management Authority). The employee contribution of 1 % is paid by HHIUK. As in March 2024, the HHZ staff have signed and agreed the updated safeguarding policy in March 2025. The staff also received a 20010 pay increase which was in line with the Zambian Government salary guidance. HHZ celebrated Labour Day in May 2025. Two members of the team were given awards for their sterling work throughout the year. Income generating ventures (IGVS) and repairs to the HHZ premises. The staff and trustees continue to maintain HHZ premises. They have used some of their own income generated through rentals to develop areas of the compound and encourage other tenants to occupy the some of the office spa. The water situation, which was very poor because of the 2024 drought and resulted in the bore hole drying up, has now been resolved. In April 2025 one of the Charity report 2024 objectives was achieved in that HHIUK funded the redrilling of the bore hole in the HHZ premises. This has restored the provision of water and filled the storage tank. The taps and toilets are functioning again. There is no longer the need to fill buckets and containers. HHZ has continued to raise some of its own income through guest room and premises rentals. Between Dec 2024 and November 2025. a total of K52,800 (equivalent to approximately £1,750) was raised by HHZ. This has enabl-d HHZ to fund, independently of HHIUK, essential running costs, food supplies and some emergency support for vulnerable disabled people who they have encountered in their outreach programs. HHIUK scrutinises HHZ accounts on monthly basis, and an audit report of HHZ accounts 2022-23 was produced in March 2025. An audit report in respect of 2024-25 accounts is currently in production. Charity work with Individuals. rural communities and partnering with other organisations Every day vulnerable individuals come seeking help at the HHZ compound. They are carefully inteIeWed by the administrator in the Offi and notes are made and questions asked. They receive a sympathetic welcome and are advised as to where to find resources, how to apply to special schools, etc if their circumstances require it. If funding is needed for a specialist hospital visit because of their disability or medical condition they are asked to show their appointment cards. Their situation is noted for the monthly report and communicated to UK. In some desperate cases HHZ can help with their own funds which have been generated from their IGVS. Disabled clients and parents of disabled children are also asked if they have registered with Social Welfare. This will entitle them to re1ve a disability card and some funding from the Govemment because of their disabled condition. If mobility aids are required, HHZ do try to give the clients suitable items from their supplies, or their details are noted on the monthly report requesting funding from the UK. The outreach programme which aims to visit some of the disabled clients living in rural communities has continued throughout 2025. Disabled individuals who live in the poor rural areas of the Monze District are visited by some of the HHZ team and mealie-meal, soya flakes, vegetable oil and washing paste are donated. The recipients are also encouraged by the HHZ staff to grow their own vegetables. where possible, raise chickens, or income
generate through their tailoring skills if they are graduates from the HHZ tsiloring programme. While making a routine visit to the Ntambo community to deliver food supplies to Priscilla, who is a disabled single mother and a sewing graduate, HHZ were informed that the water pipe and tap had been disconnected leaving the Ntambo community without a Sour of water. Attempts were made by the community to dig a new well but, owing to the 20234 drought, the water levels had significantly receded. HHIUK reiVed an unexpected donation in September 2025, which paid for a drilling company to complete the borehole drilling. Water was successfully reached and a hand pump was installed which has enabled the members of the Ntambo community, including Priscilla, to aCsS water freely for their daily needs. Another SucsS story for a disabled individual living in rural area is that of Kazolo, who also receives a monthly food package from HHZ. He is wheelchair bound and suffering with cerebral palsy. He is constantly cared for by his brother and sister-in-law. The family are just about sustaining themselves with some basic farming but are delighted to receive the extra monthly support from HHZ. In September 2025, a pit latrine toilet with handrails was built for Kazolo. Kazolo can now be helped to this new facility along a concrete pathway with ramps. He and his family have some dignity and can maintain a better standard of hygiene. Partnership with Holy Family Unfortunately, the HHZ partnership with Holy Family has come to an end as Holy Family are no longer able to provide artificial limbs to those in need The Holy Family workshop in Monze has closed. As a result, HHZ is currently investigating where there is a suitable provider and how they can help fund visits or acquire the necessary limb replamentS. The funding which was being given to Holy Family for their school will be redirected to Choongo All-inclusive School to help the feeding of the additional students Wheelchair repair, servicing, and practical support for the disabled The free wheelchair repair service has been maintained by the competent HHZ carpenterlhandy man, Robbie Mooya Anyone who needs wheelchair maintenance can visit the HHZ compound and receive attention. The material estimates are communicated to HHIUK via the monthly reports and funding is provided in the monthly allocation. Vvheelchair servicing has also been regularly carried out as part of the HHZ outreach work in the disabled unit in Choongo School and at Nanga Special School. The objective lo engage with an additional disabled person to learn the skills of wheelchair maintenance has been achieved. An apprenti, Richman Mazuba, also living with disabilities, has started to work alongside Robbie and learn the art of this repair service. Standing frames are also required to strengthen the spine and posture of small children born with spina bifida. The frames have been efficiently made to a high standard by Robbie. Funds for the necessary materials have been sent from the HHIUK in the monthly allocation. Extra funds have also been sent to HHZ to purchase some additional tools to facilitate Robbie's work. Hereby another objective set out in 2024 has been achieved. As a result of HHZ'S applications to other organisations including the Bank of Zambia, 10 new wheelchairs were received along with crutches and Zimmer frames.
Feeding support and equipment for Monze Mission Hospital The children's ward and the malnutrition ward in Monze Mission Hospital continue to re1ve monthly funding to buy fruit from HHIUK via HHZ. The nurses are extremely grateful for this financial supplement as healthy food aids healing. The funding is also used by a £onior nutritional nurse to provide weekly demonstrations to mothers on how to prepare nutritional food on a low budget to prevent malnutrition in their children. During the October 2025 visit to the hospFtal by two HHI UK representatives, the hospital nutritionist asked if HHI could provide a measuring tool to access children's level of malnutrition. A triceps calliper was asked for costing £130. Unfortunately, the callipers are not available in Zambia but through the HHZ administrator it was ordered online and delivered to the hospital via HHZ. As a result of the drought and limited crop growth, some mothers are struggling to provide enough breast milk to feed their babies. Several malnourished babies and mothers were being cared for in the malnutrition ward. Formula milk is expensive and it was because of this information that it was decided by the HHIUK representatives to increase the monthly food support funding to the hospital to include the cost of formula milk as well as the nutritional meals in the children's ward. As in previous years the UK visitors handed over unwanted and unused stoma and colostomy products, physiotherapy equipment and boxes of sterile surgical gloves. These were gratefully received by hospital staff. HHZ continues to have good relationship with Monze Mission Hospital. The Virtual Doctors In August 2025 HHIUK was contacted by a UK registered Charity and Zambia registered NGO, The Virtual Doctors. Their aim is to conned rural health clinics in Zambia, where there are no doctors, with 200 volunteer doctors in the UK via a bespoke telemedicine app which is based on smart phones and provided to health workers. The app can also connect rural clinics in Zambia to doctors in Zambian hospitals. This scheme is to prevent unnecessary referrals and to help rural health patients treat more patients. In October 2025 HHI shared this proposal with a senior doctor in Monze Mission Hospital and with the Monze District Health board. HHI is awaiting a response as to which rural health clinics would be suitable for this scheme. Support for Schools, Muumba School continues to receive monthly funding to feed the growing number of pupils. Of the 505 pupils, 111 are orphans and vulnerable children. The parents continue to prepare the food each day. The Head Teacher Mr Bbilika expressed his appreciation to the HHI UK for all the support given by HHI since the school was built by HHI in 2024. All additional facilities funded by HHI such as the toilets with disabled access, the perimeter wall, the hand water pump and the outdoor shelter area have enabled the school to function well for staff and students. The students can sit in the shade to enjoy their meal. The hand pump continues to provide water for the students to wash their hands and plates after their midday meal of cabbage, nshima and soya flakes.The water is also allowing vegetables to be grown in the school grounds which the students maintain and which contribute towards the students, daily diet.
Prisca Hatembo is a physically disabled person who has been supported by HHI since 2009. She is a valued member of the Muumba staff. Not only is she fulfilling her role as a senior teacher in the school but she is also a committed HHZ trustee. Nanga Special School During the annual UK visit to Zambia in October 2025, a visit was made to Ngnga Special School which has reiVed support from HHI for many years. It was evident that the number of residential students had greatly increased. 25 additional students were having to be accommodated and fed by the school without any additional Government support, putting pressuie on staff and resources. The latest Zambian Government new policy of'Education for all, doesn't come with additional reSoUrs. As a result, three extra tables and benches were seen to be necessary to enable all the disabled students to be seated at mealtimes. Robbie was able to make them with funding from the UK. They will be delivered to the school at the start of January 2026. The need for glass pane window repairs and additional ramps for wheelchair access have all been sucSsfUllY carried out with funding provided by HHI at the end of 2024. The solar panels on the Nanga dining room are still being well cared for by the Nanga staff, and they continue to supply the students with electricity for lighting and for IT work on the laptops. Due to the continuing load shedding (power cuts) in Zambia, Mr Bweupe, the Head Teacher, has asked HHI if it is possible to fund a microjet water pump system which will irrigate the banana plantation currently being cared for by the students as part of their Active Daily Living Project. The cost is £660. The request is being considered by HHIUK. Hopefully, after questions have been answered as to how it operates, it can be funded in 2026 to ensure a successful banana crop. Choongo School disabled uniL The new dormitory at Choongo all-inclusive School is functioning well and allows the residential disabled students to sleep in their own bed and the girls to have a separate dormitory to the boys. The house parents were pleased to receive the washable mattress protectors donated by the UK visitors in October 2025 for the new domiitories. As with Nanga School, the number of disabled students residing in the school has greatly increased. The new dormitory provision has enabled the school and staff to cope. However, the cost of feeding the extra students is challenging and HHZ has recommended that HHI UK redirects the monthly contribution to Holy Family to go to Choongo School. This will start January 2026. The house mothers are using both the electric and gas cooking facilities to prepare the mid- day meals for the students. Both provisions were provided with HHI funding. The separate boys, toilet with wheelchair access is also proving to be an invaluable asset to the needs of the disabled students. This was funded by HHIUK in 2023. Support for Individual students into Education During 2025 HHI has continued to fund 23 disabled students into full time residential schooling. All 23 re1ve financial help every term for their transport, residential fees, and stationery.
HHZ continues to monitor the students who receive support. Student progress reports are received from the schools and sent to HHIUK. This includes letters of thanks from those students reaching their final terms of education. At the end of the school year in 2025, 4 students completed Grade 12 and have left school. One of these has been accepted into university and is reIving some funding from HHI towards her University bursary. Two students have been accepted onto vocational training schemes. The fourth has been given start-up capital by HHI to start up her own business after she failed to achieve the necessary grades in her resists. Therefore there were three places available on the educational funding list. and they have already been filled. The three new students will be starting in January 2026 and will receive termly funding from HHIUK. Menstrual Hygiene Project and tsiloring training. The menstrual hygiene outreach work continues to deliver a free service to several schools in the Monze District. The HHZ seamstresses liaise with the charity Zambian Women and Girls (Zam W & G) so that the outreach visits are coordinated and not duplicated. During the school holiday time the HHZ seamstresses Alistair and Primeldah make the packs which include environmentally friendly sanilary prolection and new underwear. In 2025, 1,833 packs were given out during term time. Staff in the schools have given feedback to HHZ expressing their appreciation and confimiing that female attendance has remained high following the receipt of the menstrual hygiene packs. Funding has been sought to help maintain this essential work. Grace Mushiba the young disabled girl who has been supported by HHI for many years since she has become a double amputee, continues to support the HHZ seamstresses in making the menstrual hygiene pads. She reiVeS £301month for her contribution to the project. This income, together with income Grace has received from other sewing orders, has enabled her to support mother and siblings. She has also managed to purchase land on which she intends to build a house for rental. The HHZ seamstresses also provide Iraining for individual disabled people in the art of dress making. The four disabled trainees who reiVed their training while residing in the Monze compound in 2024 have all returned to their homes with new sewing machines and start-up capital. They have been monitored throughout 2025 by the HHZ staff and especially the seamstresses Alistair and Primeldah. They have been advised to connect with the local schools to income generate by making uniforms for the new term. Regular visits have shown that they are able to sustain themselves, and buy goats, chickens and feed their dependants. Four more people with disabilities were trained during the last three months of 2025 and will receive their new sewing machine, and start up materials in January 2026. Objectives for December 2025 to November 2026 HHI aims to continue to support HHZ in a full range of activities again this year but in particular will be looking to achieve the following. To continue to help individuals with medical needs and to give support to the disabled with an emphasis on sustainable living. To continue to raise funds to improve the basic living conditions for families with disabled members who are struggling to exist in rural communities.
To provide funds for the mobility aid repair programme and to support the HHZ carpenter to continue to help in any way he can to facilitste the practical mobility needs of the disabled in schools and homes. To Sour a reliable artificial limb provider to enable HHZ to help and advice amputees who come seeking assistance. To continue to train suitable candidates in tsiloring and on completion of their training to provide them with sewing machines. To continue to fund and support the Menstrual Hygiene Programme for adolescent schoolgirls. To continue to encourage HHZ to form partnerships with other organisations within Zambia who support the disabled such as CHAZ, Mobility Aid, the Bank of Zambia, World Vision, Oxfam and Seed Co. To continue to support Mumba School and Nanga Special School with a monthly contribution to the cost of feeding the students. To fund the micro jet water pump system at Nanga School to irrigate the banana plantation during load shedding. To start to support Choongo All-inclusive school with funding for feeding the extra students and to provide funds for any needs in the disabled units. To continue to support the 23 disabled students into education despite the rise in school fees. To continue to support HHZ in their own income generation ventures. To continue to fund the feeding programme & the nutritional education programme in Monze Mission Hospital and to consider any new medical requests for funding. REVIEW OF THE YEAR- INDIA Our wonderfully generous supporters have enabled us to maintain and even slightly expand our usual full programme of delivering help to those who need it most in the extreme south of the country, as well as in Odisha (Orissa). Our India lead Edmund Plummer was grounded by the medics, so Jute William8 Vlslted instead. She was able to see most of our work, and was very happy with what she found. As a result we remain satisfied that our Indian partners are spending our money wisely and well. At other times communications have been maintained via email and INhatsApp. We continued to encounter occasional problems with sending out money, but these were easily resolved with a bit of persisten. Asha Kiran Ashram, our special needs ntre for disabled children in Tamil Nadu, is thriving under the new leadership of Grace Ministries. who have a resident worker on site. They are pouring considerable resources into the tre, and are seeking to bring every aspect into line with government rules and recommendations. Reporting has improved. -10-
The children continue to make good progress. A stimulating environment, physiotherapy, special needs teaching, vocational training and fun and games with their peers all combine to great effect.. physiotherapy is proving particularly effective. The staff are dedicated, hard- working and skilful. We are very happy with what is happening there. The story at Happy Valley Special Therapy Centre is very similar. A purpose-built building, owned by the centre, remains the long term hope and aim, but the costs associated with this are daunting. Nevertheless, we launched an appeal for £30,000 to buy a plot of land on which the school would be built,. this proved successful, and the director, Philip Mathew, is actively looking for a plot of land. An alternative is to buy a suitable building, which is also being considered, although this will require much more upfront money. The hope is that, once the land has been bought, local enterprise, which is required by law to donate a proportion of its profits to charitable activities. will fund the building or at least make a substantial contribution. Owning their own building and land will entitle the school to receive a govemment grant covering a large proportion of the running costs, so it is obviously desirable. In the meantime, the lease on the present building was unexpectedly renewed for a further year, until the end of March 2026. What happens then is unclear. A large enough building, and a willing landlord, are hard to find. We continue to benefit from long temi funding for much of the running costs of Asha Kiran Ashram and Happy Valley from Blackwood Engineering Trust, a trust associated with a local engineering company which trades with India and wished to return some of its profits to those most in need in that country. We are very grateful for this. Thanal House is a residential home for destrtute women who were living on the streets; many have severe psychiatric problems. It has continued to function without needing our intetvention. Numbers have been reduced to about 20, allowing a greater level of care for those who remain. The work is carried out by Salini assisted by her husband Sanil, her mother VaSsala. and a part time nurse The effects of lockdown, particularly the drop in local support such as support "in kind" remain, which is putting a considerable strain on their finances. We are doing our best to help. During the year we funded renovations of the day-time toilet and washing area, which had become very decrepit, and also the provision of an outdoor toilet. This has greatly improved the amenities available to the residents. Shibu, our regular'bystanderf (an unofficial nursing assistant) at a government hospital in Trivandrum, continues to do wonderful work, looking after anything up to a dozen patients who have no-one to care for them during their stay in hospital. Without such care they would not be admitted; thus his presence provides a very cost-effective way of getting treatment for people who would otherwise be denied it. He also acts as a point of contact for the medical staff, who will often draw his attention to the needs of destitute or poor patients who need his services. help with the costs of medical supplies or transport, and the like. He has an excellent reputation and relationships with the doctors and nurses at the hospital. HHI provides 311 the costs that he incurs on behalf of others, as well as providing him with board and lodging and other necessary supplies. We also support his mother, who is in a nursing home, in lieu of salary, although we do now pay him a regular, small allowance. Credit unions continue to provide invaluable financial and social support to a wide variety of women of very limited means, across caste and religious divides. There are now well over 150 such groups of 10 to 20 women, meaning that nearly three thousand families benefit. Our provision for a third "animatorf (administrator) has meant that the groups are 11
now much better managed. These unions allow women to work together, across the divides of caste and religion, enabling them to pool their resources so as to enable any member to borrow money for an agreed purpose- to set up in business, purchase livestock, meet a medical bill, pay for education or pay off loan sharks are typical. Checks and balan8 are in place to prevent fraud and to engender trust. The unions also provide a social forum for members to disGuss problems and areao of concern. Tuition groups supplement state education (which is often of poor quality). The number of such groups is reducing - as people in Kerala become better off, they are able to pay more for specialised tuition that our "one size fits all" groups are unable to provide - and this year there were just four such groups. The children come for an hour or two of extra tuition after school, with longer on a Saturday, and also a more extended programme over the long vacation {AprillMay). The groups are each led by a graduate who would otherwise be unemployed. Experience has shown that such groups provide a huge boost to the children who attend, either by reiterating what has been taught in school but has not been fully understood, giving a preview of what is to come. or by filling in missing parts of the curriculum. Funding of the groups is from our autonomous sub-committees, the Friends of the Banyan Tree. The Friends of the Banyan Tree continue to support the Centre for Dalit Studies and Action (CDSA), an established, proven and successful community project operating at Idinjar on the verges of a tribal area in the foothills of the Western Ghats, providing tuition groups, a vacation programme. a medical centre and community nursing for an isolated and disadvantaged area. We also provide money for medical treatment, operations and the like. We continue to send out money regularly for these and immunosuppressant drugs for kidney transplant patients which is distributed or used as the need arises. We also send out regular support for the medical and living costs of about 40 particularly needy people who need to purchase expensive medicines long term. We continue to send out money for the more major operations and expensive courses of treatment as and when it is needed. These are declining due to the gradual spread of government provision of such services, but some such needs remain, and it is particularly gratifying that this year we have been able to meet many such requests from our India partners, although the demand does outstrip our ability to meet it. The craft centres continue to be largely self-supporting, although they need to find more outlets for their work. These provide employment for women who are unemployed, whose husbands have left them or are invalids, or are otherwise in need". they are empowered to help themselves. They make cards, painted leaves, plaited wrist-bands, tea towels, pencil cases, tote bags and so on. Our Scottish friends continue to show a lot of interest in the cards which include painted leaves, including local scenes, and market these online very successfully. The persecution of Christians in Orissa is well known. We provide for monthly medical camps amongst people who have been diSplad by such violence and intimidation; sadly the need for these remains and may well increase. We continue to provide income generating opportunities, mainly by means of training in sewing and the provision of sewing machines. There is a good demand for their skills, and about three quarters of the women who complete the training are able to use their skills, either in employment or in a cottage industry, so as to support themselves and their families. -12-
Rev Dr Santhosh Kumar, of Celestial Ministries, and Rev Porselvan Asir of Grace Ministries administer the work of Asha Kiran Ashram. The rest of the work is administered by our partner at The Banyan Tree in India, Philip Mathew. Salini Sam Joseph at Thanal House, Chandra Babu at CDSA and Pastor Wilson Kochukunju (Director of BGM Social Service Centre, providing credit unions, employment opportunities and medical and agricultural support). All our partners have agreed verbally and in writing to comply with our safeguarding policy. Plans for the future in India (2025126 objectives): To maintain our life-saving and transfonnative work. and to expand it, to the extent that our funding allows. To review current funding of all the various activities and projects that we support, so as to ensure that funding is used in the most cost-effective manner possible and is aligned as closely as possible with the aims and objectives of HHI. To maintain funding for The Banyan Tree, an Indian registered charity, providing support for health-related activities. the disabled, tuition groups and other assistan as far as resources allow. To maintain funding of medication for and treatment of kidney patients, heart patients and other patients. To maintain and, if possible, to develop the services available to disabled children in the Nedumangad area within the current budget. To maintain funding of Thanal House and Asha Kiran Ashram. To provide funding for medical treatrnent and other aid, as requested, to the greatest extent possible. To investigate new funding opportunities and projects that we might initiate or support. To investigate the opportunities for providing a pemianent home for Happy Valley special needs school. FINANCIAL REVIEW Results During this financial year the Charty raised a total of £194,882 (2024- £193,616), mainly from the generous support of individuals including a couple of unexpected legacies, and spent £173,037 (2024-. £203.761), the vast majority on projects in Zambia (37'/0) and India 157 % ). The remaining 6 /0 of expenditure represented the UK costs of running the charity-, these are mainly printing, postage, Insuran and travelling (covered by a donation by the traveller) - they are covered by donations from the UK team (trustees, management committee and patron). The level of unrestricted funds at the end of the year amounted to £42,770, of which £37,879 was immediately available {2024.' £32,962 1 £28,451). The level of unspent restricted funds at the end of the year was £52,786 (2024.. £40,749}, which will be spent on those projects as shown in note 10 to the statutory financial statements. -13-
Reserves Policy The charity has few, if any, contracts that impose liabilities, so a reserve of £1.000 is more than adequate to cover these (phonefinternet. franking machine, etc) in the unlikely event of the work of the charity coming to a sudden end. In addition to this, the trustees are very awaie that the charity's income fluctuates wildly, and is impossible to predict with any accuracy. Consequently the tIU5tees monitor the level of available money regularly throughout the year and decide on how much to retain dependent on need; currently they regard a target of about £25,000 (about three months, core expenditure) for the unrestricted balan as reasonable when the income is good., this serves as a "rainy day fund" for the times when income is less than our regular support of our projects in India and Zambia, and enables them to continue at such times. Given the needs in both countries, there seems to be little virtue in retsining significantly more than this. Whilst the unrestricted balan at the end of the financial year was significantly above this, management accounts show that this target was achieved by the end of May 2026. Investment Powers and Restrictions The Charity has no investment powers except to place any surplus funds into deposit accounts. INDEPENDENT EXAMINER A resolution to appoint an Independent Examiner for the ensuing year will be proposed at the Annual General Meeting. Signed by order of the trustees J Spurrier-Davies Secretary Date 14-
HEALTH HELP INTERNATIONAL INDEPENDENT EXAMINER'S REPORT TO THE MEMBERS OF HEALTH HELP INTERNATIONAL Year Endod 30 November 2025 I report on the accounts of the Trust for th& year eThJed 30 November 2025, which are set OLrt on pages 16to21 RP•¢I1V• rnsponslbllttla8 of trusteos and gxamlner The trustees are responsible for the preparation of the aco)unts. The trustees consider that an audit not required for this year under section 144{2) of the Chafities Act 2011(the 2011 A¢t} and th8t an independent examination Is needed. It is my responsibility to.. examine the acxounts UfKler section 145 of the 2011 Art follow the prctedures lald duwn in the General Directions gtven by the Charity Commi5slon undE 145151 {b) of the 2011 Act and state whether partiujlar matters have como to my attention. Ba818 of Indendont examlnef$ wort My examination was cArried out in accordance with the General Direcuons gfven by the Charity Commission. An examinab.on includes a review of the Counting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items OT disclosures in the accounls, and seeking explan8tion$ from you as truste8s conceming any sych matters. The procedures undertaken do not provide all the evidence Ihat would be required in an audit and cOnsequenY no opinion ts given as to whether the accounts present a and fair view and the report is limited to those matters set out in the slateMt below. Indgpgndènt Examlnevs Statemenl In connection with ry examinatitin. no matter has eome to ry attention.. {1) which gNes me reasonable cause to believe that in any material resFect the requirements.. to keep acunting records in accordance wilh section 130 ofthe Art. and to prepare accounts which acur(I with the arminting r8cords and compty with the acccounting requirements of the 2011 Act have not been met or 121 lo which. in my opinion. attention shoukl be drawn in order to enable a proper understanding of the accotjn eached. W K Paln• Independent Examlner 44 Pettingale Road Croesyceiliog Cwmbran Torfaen NP44 2NZ ol -16-
HEALTH HELP INTERNATIONAL 6TATE&IEHf OF HWXIALACTIV171&8 [latn$ Fundr8isthg Inv¢stw¢M Inc¢xre 97.372 1e3.370 188.893 6.192 571 193 618 Ch•TItsLl• •¢tl¥ltl••: rknnattons rr8dE to b¢naflGWB C£kqts of 8hlpplDg ¢[eT tJr8Ct èt1nLstr8ttsTh tr#¥ t)sSt of irnnsf¢nlng lur 54,819 117.104 171.7rJ 1,429 1.148 12 12 117.2 173.037 203,781 Nrt bofry• tr•Tt•r Grt)ss tr8nsl&B fLW Akn¢mert In fur 11.037 21.845 110,14SI 9.808 21.845 Tot81 furtds brouam foNerd Gzrrled frrward 40.749 52,786 42.770 95,556 73.711 -16-
HEALTH HELP INTERNATKINAL BPUNCE SHEET At •t 30 Nov•mb•r 2026 Fund Funds Funds 2025 2024 FIXED ASSETS TAnglbl8 Assets CU RFENf ASSETS stocks Dobtors an¢J Prep#yrnnts Cash at bank 725 5.919 36,128 A2.770 72S 5.919 88.912 95,555 725 4,318 68.898 73,941 52.786 52.786 urt•: uut irnA 230 ONE YEAR NET CuRlIf ASSET8 NET ASSETSIILIABILmE8) 42,770 42,770 52,788 52.786 95.556 95,556 73.711 73.711 FUNDS Unrestfkct8d Rèstrfcted D85lgn8ted 42.770 42.770 52.78e 32,962 40.749 52,788 42.770 52,786 95.556 73.77 1 Approved by Ih rL%8tses on and slgnod on thelrbeh¥W by.. E Plumm•r (ClrMian) Thom•• FCA T0$T•r) Th• not•$ ¢)n pY4g•s 18 Ixtr 21 fwm part of Ilxè8• fl¢111 stsl&ment•. -17-
HEALTH HELP INTERNATIONAL NOTES TO THE FINANCIAL STATEP Y8#r ended 30 Ntsvernb•r 2025 Accountlffj poll¢le8 Bas18 of FThParntlon The fln8ndal ststènwnts b•8n prepared undèrtha 81 cvnventi)n 8n¢J kn alan wth the Staletrnnl of ReLy)rMnded PrdCkn.A¢ut1Trg and Reportkng by Ch?tib85 FRSSE,, aff8dNe foi 8¢CQtJnttng perlods eornnnong after 1 January 2015. and the Charftlès Act 2011. Fund •ccounllng pollcy Unrestntted uJo)mo fund¥ a gen$r81 fvnds that fr)r us& at the Trustees. dlscrefjon in furtheTrnce of the obÈedTh88 of lh8 th411ty. Restrided funds a th089 donal&d lor uae tn ¥ p¥rtiwL8r arna orf0rpartl&r PUFPO868. the usè of 4thlch Is reStted to th8t a8 or purpo. Furthar dglalls of eath fvnd ar8 dbdosed kn not• 9. IomIng r•source¥ Vciluntary In¢onIndUdg (Jonatlons and legaS rgnISed vkneFE IheTr t5 enllugmenl. probabuty of recelpt and the s)Unt ¢>n bo ffl8asurnd vlth suflkiont 10blty. Donated goods are valued by tho tNstees. Inv08ttrnnt Trt¥)gnrd Athen rte0¢t1. R•source8 •xpnd•d LIablo$ 8re r&¢ognlsod 88 8s thera a legal or constnJctNe obfigalon cornrTttlng the ch8Ity to the expendrturg. Aa Éxpènditure Ls accounyed for on a¢(xuals ba$is and has been cksstfied under hoodlngs that agregato all cosis r¥L8tng to the tsgQry. Costs of 98neT#lng funds a the co5 atxooated wth attrBCting ¥r)bntary In11. Charttable expendYÉur8 0)nT)Ise6 thoso wsts by th8 chartty in the eery of ts aCtMtS and servres for ts benafid3ri8s. 11 Indudes both (x)8ts thal c4n be akscatod dlr¢Gtiy to suc 8CtlvKl8s and Ihosv e£)sts of an ndirn¢t n8lurB nece888ry try support them. Sbxks Slod($ Are stated at th? brOf cost and not real&able v8lu&. Voluntsry Inc¢JyÈ• Unroslrfctsd Funds R•strlct•d Fu¥hts Total Funds 2025 2024 C&Jn8ttJns Dctnatbns In 84.998 1.000 97.372 162.370 I,ooo 185.853 1,000 163370 186 853 .18-
HEALTH HELP INTERNATIONAL NOTES TO ThE FINAfrIGIAL 8TATE%IENT8 Yo•r ended 30 No¥•mbor 2025 Inv•8tr•nt Inwno Unr•strldwd Fund5 R•strl¢l•d Fund8 Totsl Fvndj 2025 2Q24 Intsr*¥l on c¥$h 587 587 571 587 587 571 TTu8l•o• T•munerg150tt and •xp•ns•s The Trustees recofved no ne13th)n orexp8n#•$ dttrfng thè lknandal T8xallon All this ChaW8 prfnwry pLtW and theTrfow exew fmm taxatbjn. Skncks 2025 2024 Unsold cTrft good$ 725 725 725 725 Dabtor8 and prnpaym•rt 2Q2S 2024 GfftAkY Dèbtors Pr8pald expendfture 4.608 491 820 5.gig 2,457 1,044 817 ,318 Cr•dlt•rs: 2,025 2,024 DeteThed In¢ome 230 230 -19-
HEALTII H&P INTOINATIOPIAL NOTES TO THE FIlIlAL STATEI YeAT JO Nov•mb•r Z025 BI1•¥ •t30 Nov•mb•r 2026 D•¢•mb•r Incornlry OuWrvJ 2024 UrbM%trf¢l•d G8n•rnlfundi 32.962 88.585 (55.7771 1,000 42,770 88ny80 Troe B&sta B&ukh Bll Qub Bu Fund 08af School Heart P8lbntB IndLA Gon•rnl cThoongo Nanga 35.193 154 495 20,529 P5.0321 30.690 154 220 225 (r151 PZ51 1285 (a251 11.0871 L087 11,413 S.280 (5.2801 893 3.248 (8931 t3.e441 Spèdal Indb PhIp,$ Srt Centr Hoppy v?Y Kl6n$inJal Hyokn#• Spocbl N88ds Physb Hall KlJn8y P8ll•nts Asha Kv8n Ashrn Antmaiw c¥i8kgue6 AulDcbve Vhe Pres$ 8ook¥ Tanal h)u80 Thanal tr4)u80 17.375 1.223 21.987 17.)75 14.2231 pt.9871 4.405 1,616 30,9ZS {4.4651 11.0841 f29,3271 1.598 2.291 935 40,749 73.711 4.289 (7,5801 1.000 935 52,786 95.556 128.297 191.882 1117.2801 1173.0371 1.000 Total fvndl Tmftslorn ora to fund daf¥X or**th th8 pe4rrtssk)n of th• donot. -20-
HEALTH HELP INTERNATK)NAL NOTES TO THE FINANCIAL STATEAENTS Yéar gndod 30 Novomb•r 2025 UnrtriLed afo genero1 funds that Arè awable for uge at tho trJ8teDd dt8uBth>n further8n¢e ol the obj¢ctlYe3 of Ihe thaNty. Banyan Te. To funé proJ8cts sn Ind. Bèsta.. To fvnd the traSnSng of Beslg lrt Zambla Beulah.. To make for 8eulah kn Ind1¥ Bllnd Club= To 9681st tht qualty ol Iffe forthe bknd kn lknnze. Deal School.. To fund dèaf pmJe¢t8 fof deaf ctYkl in nze and the Vattey. lfidla General.. To assbt projects in IndLg. Choongo: To bulk8 a dorrrthiry bkJd( frrd1s6b #t Choongo &ool kn Zan ortsrya.. Supporting Chtsti8n$ sJffodn9 persecutDn kn Indla. Spèd81 India Fund.. To 8S8Lst projects in In¢YLs. Asha KlrBll Ashr8m: To 8811s1 vAth th8 fundkng of the PA of Fkpè C•ntre fordL8abl8d thMdr¢n. Atternat8 Catalogue.. Funds prO&d spedknuy loraglollu. $d¢ts(tSonaL c¥Jrrnwnlty or ka1 prvJB¢ts and negds. Vinè Pre68'. To prDvhl• 0en¢Y ref vkn8rÈ no other rrnnl8$ arn avaUBbb. Th8llal House.. To p$8 a$Tr¢8 to rrtet the wnnkno o)8ts of trto fordesthuta In Indla. Phlllp's SN Centro". To prDvhJe as$1gtance fordI68bd Kakntharn. Happy Vafvy Spe¢lBI Therapy Cèntre: To pd• a pern4nont Ltumkng frJT¥ 8p•dal nee(18 Centra. Menstrual Hyglana.. To pNde sanltory pekn and educatbn forglts kn Zani)Ib Sped81 Needs.. To provkle spedal need¥ gduLtlon. trBknlng And trtornpy for thlklren kn IndLq. Kldney paJents.' To fund tswwnosyppr8ssant drug$ and for patlènts lth fal n*. Th8n81 House Project: To mBk¥ hwrovernnts #1 Th8nal Fk)u8e In Indiq. -21