CROYDON
HEARING
Charity for hearing loss
Croydon Hearing Resource Centre
(CHRC)
Unit 12B Capital Business Centre, 22 Carlton Road, South Croydon, CR2 OBS
Annual Report
Financial Statements
2024-2025
Registered Charity No. 1081376
Private company limited by guarantee in England
Registered No. 4015700

CONTENTS
PAGE
Aims & Objectives
OveNiew of the Organisation's Operations
Chairfs Annual Report
Independent Examinerfs Report
Statement of Financial Activities
{FS I)
Balance Sheet
IFS 21
io
Notes to Financial Statements
IFS 31
11
Notes to Financial Statements cont. IFS 4)
12
Income & Expenditure
IFS 5}
13
Trustees, Report
{FS 61
14
Trustees, Report cont.
IFS71
15

Aims and Objectives
Aims
The aims of the organisation are to offer on-going practical and emotional support to the clients and their
families with the hope that the positive services we provide will restore their self-confidence and enable
them to return to live as normal a life as possible. We also aim to encourage self-worth and the right to
retain independence.
Ob
ectives
The objectives of the charity are:
o The relief of persons suffering from hearlng sensory loss, in particular but not so as to limit the
generality of the forgoing.
o Give help and support to sufferers from hearing sensory loss, whether or not they are members of
the Charity and provide advice and support to their families of such sufferers.
o Provide information likely to benefit those sufferin8 from a hearing sensory loss
o Encourage the employment of those sufferin8 from a hearins sensory loss.
o Educate the general public as to the needs of those with a hearing sensory loss.
Provide meeting places for social, educational and recreational purposes.
o Co-operate with the Local Authority and Area Health Authority and other statutory and voluntary
services in the provision of information and services for those suffering from a hearing sensory loss
and to make and accept referrals relating to such persons to and from the Local Authority• Area
Health Authority and other statutory services.
o Advise members of the Charity and persons eligible for membership and their families regarding
pensions, disability awards and employment.

Our services in the community
CHRC is a proactive organisation providing services for adults with a hearing loss.
Equlpment assessments for deaf adults.
Hearlng ald maintenance and aftercare to support the NHS service.
Provision of practical support, Informatlon and advlce.
Working links wlth other voluntary sector and statutory organlsatlons for prfmary and secondary needs.
Croydon Hearing is a voluntary service that has been providing direct support to people with a hearing loss since
1982. Working closely with Croydon Council's Sensory Impairment Team, Croydon University Hospital Hearing
Centre and supporting Health Care Workers in the community by: _
o Providing information and practical support to people using hearing aids through basic maintenance,
re-tubing, supplying batteries, and ensuring hearing aids are worn correctly. This service is available from
our Centre in Croydon, in each locality at our community surgeries and home visits.
Offering Initlal hearing testing.
o Providing emotional support and insertlon practlce, referred from Croydon Unlversity Hospital Hearing
Centre and as we identify clients struggling.
o Identifying directly and taking referrals from other organisations to encourage isolated people to attend
Independent Social Support Groups where appropriate enabling them to cope better with a hearing loss and
to maintain their independence in the community.
o Delivering the contract for environmental equipment on loan from Croydon Council; giving SnformatS0n,
advice and support for people and their families.
o Supporting Deaf Awareness Week.
o Offerin8 advice on Deaf Awareness Tralnlng for carers and resldentlal/nurslng homes on a self-financing
basls.
o Promotlng Issues regarding hearlng impairment at all levels through society and to commerclal and statutory
institutions.
o Working across Croydon's diverse community to remove the barriers that some groups may experience.
o Collaborating with a number of individual and umbrella voluntary organisations in Croydon.

Chair's Report 202&2025
The charity continues to use a Co-chair model to govern the organisation. and it is working well. The
Co-chairs are Mary Saunders and David Rose.
Now that we are fully established atthe Capital Business Centre the office is mainly an administration
base. All seNices are provided at designated strategic locations around Croydon, which include New
Addington, Selsdon, Old Coulsdon, Purley, Shirleyand Thornton Heath. Home visits are still a major
service to the housebound and bedbound. All seNices are continued to be by appointment as this is
the most efficient wayto manage client expectations. We are continuing to provide hearingtests in
Selsdon atThe Centre for the Retired.
There have been some worrying moments with regard to thefuture financingof the organisation as
both the NHS and Croydon Council are struggling with financial resources themselves. However,
nothing is certain, and we are planning cautiously.
We are in the second year of the Croydon Council's assistive equipment assessment contract which
expires on 31" July 2025. This contract has a firm end date and at present it is unclearwhat decision
the Council will make to renewthe contract, we are expectlngto have to submlt a bld but are yet to
knowwhen.
The NHS were seriously delayed In approvingtheir annual grant as it was escalated up to NHS
England. Eventually, after seven months it was agreed, and our invoices were paid. The s8rvic88
duringthat time were financed by our r8serves.
We are pleased to confirm thatthe Services on our activity plan were steadily maintained as the
following statistics show.
Actlvlty Plan 202￿2025
Annu8lTotal
2023-2024
Number of Servlces Provided
3579
3592
Number of Community Surgerles
76
79
New Clients
345
270
Hearing Screenings
116
64
Home Visits
513
541
Re-tubing
1564
1503
During May 2024, Covid-19 impacted some of the seNices that we provide, affecting home visits and
the cancellation of a community surgery due to three members of staff contractingthe virus. The
safety of our clients is always paramount, so this decision was made and additional provision
provided in place ofthe cancelled appointments.
There has been an increase in the number of referrals from the GPS. This is encouraging as it shows
that our collaboration with Croydon GPS not only supports them by reducingthe number of
appointments made but conveniently provides a smart and friendly seNice fortheir patients. There
has also been an increase in ENT referrals to Communitas for microsuction due to the wax removal
seNice beingtaken from primary care provision.

The Ros Harding Trust has granted us £2,100 for hearingtesting at the Selsdon Centre forthe Retired.
This provides Croydon residents with free hearingtests and an opportunityto speakwith our Senior
Clinician to answer any questions or concerns that they might have. This also steers unsuspecting
people awayfrom a sales environment. The client is then able to make an informed decision whether
to request a referral into the NHS, go private or considertheir choices.
We were able to provlde two additional projects during thisyear: Extra Care Housing and a focus on
NewAddington. For both projects we delivered hearing health talks, hearing testing, hearing aid
maintenance, referralfor equipment assessments or where possible on the day appointments with
our assessor.
Our success at the Extra Care Housing enabled us to provide a talk to 71 people. Ofthose, 24were
referred for microsuction or hearing testing in the NHS, we introduced 10 people into our home visit
schedule for routlne hearing aid maintenance. We expect that the clients who were referred for
hearingtesting will become regular clients in the future. All people referred for assistive equipment
received their devices within three months of our initial visit.
The New Addington focus developed a collaborative way of working with grassroot and religious
organisations, GPS, pharmacies, socialgroups and food banks.
The alm of both projects was to remove barriers to good health and promote our servlces wldely
across the Croydon communlty.
Staff ord House, our previous address, continues to be an unresolved concern. Thls Is prlmarily due to
the total lack of engagement from the landlord and his agents, we have therefore not been able to
formally agree on the dil8pid8tion. Following advice from our surveyors, Cluttons, we will nowwait
untilwe hear anything further on the matter. Our reserves policy dictates that we should always set
aslde a f inanclal provlslon to address the costs of dllapidation In the f uture.
We upgraded our accounting system to Xero as QuickBooks did not work verywellfor us and
overcomplicated the production of the end of year reports. With the support of our Independent
Examiner, we were able to enlist their services fortraining and integration of our bank accounts. This
enabled us to improve our compliance and work more eff iciently, by reducing paper and dupllcatlon.
After a year of testing, we are now fully uslng Xero for our accounting.
Duringthis yearwe looked at our finance policy to ensure that we were working in the bestway for the
organisation. It W8s identified th8t our mandate should be updated to reflect the current Trustees. We
added access to our accounts to the Co-chairs as a contingency plan. The Co-chairs now have
access to both the Barclays and Metro accounts and are able to provide secondary authorisation for
transactions.
During 2024the Trustees approved the development of a new Customer Relation Management (CRM)
system. After extensive research, CRM-UKwere chosen as our new vendor. With consideration of
GDPR, we chose CRM-UK as they are UK based, and their product is intuitive and dynamic with the
opportunityto continue to improve and develop the waythat we work. A huge thanks goes to the
Office and Centre Manager for Investigatlng four excellent options for our review.
Due to the ever-changing legal requirements of ourfunders from statutory services, it has become
more difficult to recruit and maintain volunteers. The training need is very extensive and caused many
of ourvolunteers to leave us. We would like to give a special thanks to one of our current volunteers
who braved the training and learned new skills so that they can support us.

We would like to recognise and thankthe team for providing an excellent service to our clients. We
have had several IT and operational changes, and the entire team have been on board, supportive and
adapted to the new systems well.
We are constantly lookingfor additionalfundingwhich is becoming increasingly diff icult in a
competitive sector.
We are extremelygrateful for all of the donations that we receive from both independent donations
and localtrusts that support our cause. Itwould not be possible without their contribution.
Co-chair of Trustees
Co-chair of Trustees
David Rose
Mary Saunders
21" July 2025

Registered Company number: 1081376
CROYDON HEARING RESOURCE CENTRE
INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES
I report to the charity trustees on my examination of the accounts of the company for the year ended 31 March
2025 which are sel out on pages 9 to 15.
Responslbilities and basis of raport
As the charity trustees of the company {and also its dire¢lors for the purposes of company law) you are
responsible for the preparation of the accounts in accordance with the requirements ofthe Companies 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 your company's
accounts as carried out under section 145 of the Charities Act 2011 {'the 2011 Act,). In carrying out my
examination I have followed the Directions given by the Charity Commission under section 145{5)Ib) of the 2011
Act.
Independent axamlner's Statemgnt
When the company's gross income exceeded £250,000 your examiner must b8 a member of a body listed in
section 145 of the 2011 Act. l Confim that l am qualified to undertake the examinatlon because l a member of
Chartered Certified Accountants, which is one of the listed bodies.
I have completed my examination. I confirm that no matters have come to my attention in connection with the
examination giving me Cause to believe that in any material respect..
accounting records were not kept In respect of the company as required by sectlon 386
of the 2006 Act; or
the accounts do not accord wlth those records., or
the accounts do not comply with the accounting requlrements of section 396 of the 2006
Act other than any requirement that the accounts give a 'true and fair vlew, which is not a rnatter
¢onsidered as part of an independent examination,. or
the accounts have not been prepared in accordance with the methods and principles of the
Statement of Recommended Practice for accounting and reporting by charities.
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 understandlng ofthe accounts to be
reached.
Stephen Hole, FCCA
Palmer Mccarthy,
Chartered Certified Accountants
Suite 70, Capital Business Centre, 22 Carlton Road, South Croydon, CR2 OBS

-F81-
CROYDON HEARING RESOURCE CENTRE
STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31ST MARCH 2025
Gongral
Fund
Restricted
Funds
Notes
Total Funds
2024
Income and Expendlturn
Incomlng R88ourc08
Fundraislng, Legac¢8s and Donations
Christmas Draw
Donations
Subscriptions from Members
Gift Aid
Miscellaneous Income
Charitable Aclivtties
London Borough of Croydon
Croydon NHS CCG
Ros Hardlng Trusl
Investment Income
Interest received
453
4,152
6,190
2.018
453
4,152
6,190
2,018
719
6,471
6,435
2.059
64,970
47,516
2,100
64,970
47,516
2,100
64,919
47,516
1.000
Total Income
114,586
129,013
130,721
Re￿UrCeS Expendod
Dlrect Charltable A¢tlv6tlos
Management and GoveTnanc8 C08ts of th8 Charfty
1,158
114,586
115,744
111,296
Totsl Exp•ndltur&
38.584
114,586
153 170
149,373
Not In¢ornlng resources before tran81er•
{24,1571
{24,1571
(18,6521
Transfers between funds
Not movamonl In funds
Ro¢onclllatlon of funds:
Net Incomlng resources for the year
Fund balances brought forward at
1$1 April 2024
(24.1571
(24,15n
{18.6521
123 530
123 530
142 182
Fund balances carried forward at
31st March 2025
99,373
99,373
123,530
The Statement of Flnanclal Activities includes all gains and Ioss8s recognisgd in the year. All incoming resources and resources
expended derive from ¢ontinuing activities.
The Statement of Financlal AclNiti95 also complies wllh the requirements for an income and expenditure aco)unt under the
Companies Act 2006

-FS2-
CROYDON HEARING RESOURCE CENTRE
BALANCE SHEET
AS AT 31 ST MARCH 2025
Notes
2025
2024
CURRENT ASSETS
Debtors
Prepayments
Cash at bank and in hand
4,216
1,780
126,308
132,304
1.780
105,830
107,610
CREDITORS . amount$ falllng dua
wlthln one year
8.237
8,774
NET CURRENT ASSETS
99,373
123,530
NET ASSETS
99,373
123,530
FUNDS AND RESERVES
General Fund
R88trlcted Funds
99,373
123,530
123530
For the year ended 31 March 2025 the company was entitled to ex8mption from audlt under sectlon 477
of the Companles Act 2006 relatlng to small companies. The members have not r8quir8d the company to obtaln an
audit in accordance wlth section 476 of the Companies Act 2006. The directors aCknO￿adge th8ir responsibility
for complying with the r8quirements of the Act with respect to accounting records and for th8 preparation of accounts.
These accounts have b8en prepared in accordance with th8 provisions applicab18 to companies subject to the
small companies regime.
Approved by the board of dlrectors on 'tsu
2025 and Slgned on thelr behalf by:
Mary
Dlrector
ers

-FS3-
CROYDON HEARING RESOURCE CENTRE
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31ST MARCH 2025
ACCOUNTING POLICIES
Basls of Accountlng
The accounts (financial statements) have been prepared in accordance wth
the Statement of Recommended Practice: Accounting and Reporting by
Charitles preparlng thelr accounts In accordance wth the Financial Reportlng
Standard applicabl8 In the UK and Republlc of Ireland (FRS 102) (second
6dition}- ("Chariti8s SORP (FRS102}), the flnanclal reporting standard applicable
in the UK and Republic of Ireland (FRS102), the Charltles Act 2011 and the
Companies Act 2006.
The Company moets the d8finitlon of a publlc b8n8fft 8ntlty under FRS 102
The accounts are prepared in sterllng whlch is the functional currency of the charity.
Golng Concern
In preparing these flnanclal statements the Dlrectors have revlewed futur& cash flow for8casts
and budgets and conslder that future activlties of the Company will generate sufficient cash to
allow th8 Company to continue to operate for the foreseeable future. Having carefully considered
the Companls financial plans and posltlon, the Dlredors are confldent In the Companls ability to
meet its tsrgets. For this reason, they continue to adopt the golng concern basls of accountlng.
Taxatlon
The company, belng a reglstered ¢harlty would be generally exempt from
corporation tax and income tax, and therefore no provision for tax has been made In
these accounts. It is not exempt from Value Added Tax. and irrecoverable VAT is
therefore included in the cost of those items to whlch It relates.
Income and Exponditure
Income and expenditure is included in the financial statements on an a￿ru81S basis.
Income Is recognised when the charity is 8ntitl8d to It, th8 amount can be rellably measured and
receipt is probable.
Expenditure is allocated to expense headings either on a direct cost basis, or apportioned
according to management estimates of time spent or space occupied, as appropriate.
DIRECT CHARITABLE EXPENDITURE
General
Fund
Restricted
Funds
Total
Funds
2024
Salaries and National Insurance
Environmental & Hearing Aid Equipment
Travelling Expenses & hire of halls
110.166
2,946
1,474
114 586
110.166
2,946
2.632
115.744
107,820
1,659
1,817
111,296

-FS4-
CROYDON HEARING RESOURCE CENTRE
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31ST MARCH 2025
MANAGEMENT AND ADMINISTRAT
ON OF THE CHAR
General
Fund
Reslrlcted
Fund
Totsl
Funds
2024
Off¢ce R8nt
IT Costs
Printing and Stallonery
Telephonellnlemet
P03tsge
Insurance
Buildlng Malntenance
Adv8rtislng and Publlclty
Tralning
AGM 8xpen8e8
Ind6p8ndent Examlnatlon
Othèr
13,166
14,863
1,255
441
479
2,171
1,962
132
190
13,166
14,863
1,255
441
479
2.171
1,962
132
190
18,060
1,235
6.244
2,165
2,193
2.407
13
960
1,050
1.683
37,426
1.050
1,683
37.426
38,077
No dlrector ro¢olV￿ any ramunoratlon In the year.
2025
2024
SW London NHS CCG
SSE
Pozluv Energy
3,960
124
132
4,216
EPAYMEN
2025
2024
Capltal Buslness Park
CREDITOR
ounts Fallln
In One Ye
2025
2024
Membershlp advan¢e$
Indèpendent Examlnatlon
Ros Harding Trust- Re8trictive Funds 2025126
Croydon Council - Restrictive Funds 2025126
other Creditors
15
1.050
1,500
5,414
258
8.237
2,100
5,414
240
ANO RESERVE
Asat 1st
ril 2024
Incoming
Resources
Asat31st
March 2025
Ex endlture
Income and Expendltur• Account:
Croydon Councll
NHS
Ros Hardlng Trust
64,970
47,516
64,970
47,516
£114 586

-FS5-
CROYDON HEARING RESOURCE CENTRE
INCOME AND EXPENDITURE ACCOUNT
FOR THE YEAR ENDED 31ST MARCH 2025
Notes
2025
2024
INCOME
Donations and Legacies
Charitable Activities
Investment Income
Total Income
12,811
15,686
114,586 113,435
1,616
1,600
129,013 130,721
EXPENDITURE
Salaries and Other Direct Charitable Expendi 5
Administrative Expenses
Total Expenditure
115,744 111,296
37,426
38,077
153,170 149,373
NET INCOMEI(EXPENDITURE) FOR THE YEAR
24,157
18,652

-FS6-
CROYDON HEARING RESOURCE CENTRE
TRUSTEES, REPORT
The Trustees present their report of Croydon Hearing Resource Centre for the year
ending 31 March 2025.
Legal and administrative information
The company was incorporated on 12 June 2000 as a company limited by guarantee
(registered number 04015700) and is registered as a charity with the Charity Commission
(number 1081376). The affairs of the company are governed by its Memorandum and
Articles of Association. The liability of the members in the event of the company being
wound up is limited to a sum not exceeding £10 for each member. On l October 2000
the company took over the work being carried out by the charity "Croydon Hard of
Hearing Project" together with its assets and liabilities and staff employment contracts.
Those who served as Trustees at any time during the year were:
Name
ointed
Retired
Mary Saunders
Sandra Worrall
Peter Brown
David Rose
25 June2012
13 June 2013
28 June 2016
17 November 2020
14 November 2024
The registered office of the company and the place from which it carries out its work is:
Unit 12B Capital Business Centre, 22 Carlton Road, South Croydon, CR2 OBS
Organisations appointed to advise and assist the company are:
Barclays Bank PLC l North End, Croydon, CR9 1 RN
Developments, activities and achievements during the year
Bankers:
See "Trustees, Annual Report"

-FS7-
CROYDON HEARING RESOURCE CENTRE
TRUSTEES, REPORT
Directors, Responsibilities
Company Law requires the directors to prepare accounts for each financial year, which
give a true and fair view of the state of affairs of the company and of the profit or loss of
the company for that period. In preparing those accounts the directors are required to:
Select suitable accounting policies and then apply them consistently.
Make judgements and estimates that are reasonable and prudent.
Follow applicable accounting standards, subject to any material departures
disclosed and explained in the a¢counts'
Prepare the accounts on a going concern basis unless it is inappropriate to
presume that the company will continue in business.
The directors are responsible for keeping proper accounting records which disclose with
reasonable accuracy at any time the financial position of the company and to enable them
to ensure that the accounts comply with the Companies Act 2006. They are also
responsible for safeguarding the assets of the company and hence for taking reasonable
steps for the prevention and detection of fraud and other iTr¢gularities.
Signed on behalf of the directors
David Rose
(Chaimian)
st
Approved by the directors on 21 July 2025
15

Registered Office;
Croydon Hearing Resource Centre
Unit 12B Capital Business Centre
22 Carlton Road
South Croydon
CR2 OBS
Telephone:
020 8686 0049
Emall Address:
hello
cro
donhearin
.or
Website:
www.cro
donhearln
In partnership with:
.or
CROYDON
www.croydon.gov.uk
NHS
Delivering an integrated care system.
CROYDON
HEARING
Charity for hearing loss
LIVING • CARING • HEARING