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← Bikur Cholim Limited

2025-03-31-accounts

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COMPANY REGISTRATION NUMBER: 04001168 CHARITY REGISTRATION NUMBER: 1085965

BIKUR CHOLIM LTD

Company Limited by Guarantee FINANCIAL STATEMENTS

31 MARCH 2025

COHEN ARNOLD

Chartered accountants & statutory auditor New Burlington House 1075 Finchley Road LONDON NW11 0PU

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BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

FINANCIAL STATEMENTS

YEAR ENDED 31 MARCH 2025

PAGES
Trustees' annual report (incorporating the director's report) 1 to 16
Independent auditor's report to the members 17 to 21
Statement of financial activities (including income and expenditure
account) 22
Statement of financial position 23
Statement of cash flows 24
Notes to the financial statements 25 to 34

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BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT)

YEAR ENDED 31 MARCH 2025

The trustees, who are also the directors for the purposes of company law, present their report and the financial statements of the charity for the year ended 31 March 2025.

Chair's report

Walking Alongside

Every day, people in our community are faced with life-altering illness, disability, or mental health challenges. While each journey is different, the experience is often marked by uncertainty, isolation, and a sense of being overwhelmed. At Bikur Cholim, our role is not to lead from the front or step in only at moments of crisis, but to walk alongside individuals and families, offering steady, compassionate support through each stage of that journey.

Whether it is a warm meal delivered to the door, a volunteer sitting at a hospital bedside, a car ride to an appointment, or professional therapeutic support, the care we provide is rooted in presence, dignity, and understanding. These acts, both small and significant, help ease the burden of illness and remind people that they are not facing their challenges alone.

This year has continued to present financial and operational pressures, with demand for our services growing at a time when resources are increasingly stretched. In response, we have strengthened and diversified our approach, expanding the role of volunteers and adapting how services are delivered, while remaining firmly committed to quality and sensitivity. The dedication shown by our volunteers has been deeply inspiring, and their work is supported and guided by a committed staff team and strong leadership across the organisation.

Bikur Cholim's ability to walk alongside so many individuals and families is made possible by the collective efforts of our staff, volunteers, trustees, and supporters. I would like to express my sincere thanks to our donors and funders, who recognise that the true impact of Bikur Cholim lies not only in numbers, but in the reassurance, stability, and hope we bring to people at some of the most difficult moments of their lives.

On behalf of the Board of Trustees, thank you to everyone who continues to support Bikur Cholim and enables us to walk alongside our community with compassion, commitment, and care.

Jacob M Grosskopf Chair

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BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT)

(continued)

YEAR ENDED 31 MARCH 2025

REFERENCE AND ADMINISTRATIVE DETAILS

Registered charity name Bikur Cholim Ltd Charity registration number 1085965 Company registration number 04001168 Principal office and registered Ground Floor office 2a Northfield Road London N16 5RN THE TRUSTEES Mr J M Grosskopf Mr R Grusgott Mr A Oberlander Mr S Rand

PATRONS

Dr D Landau Mbbs Mrcp Frcr Prof S Stanton Frcs Frcoog Lady L Winston

MEDICAL ADVISORY BOARD

Dr Yossie Adler Dr Ghazal Afzal Prof Michael Baum Prof Michael Besser Dr Simon Cohen Dr Michael Fertleman Dr Peter Freedman Prof Anthony Goldstone Dr Stephen Herman Dr Mervyn Jaswon Mr Eli Kernkraut Dr David Landau Dr Jeremy Pfeffer Dr Jeremy Rees Prof Stuart Stanton

Company secretary Mrs R Cohen Auditor Cohen Arnold Chartered accountants & statutory auditor New Burlington House 1075 Finchley Road LONDON NW11 0PU

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TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 31 MARCH 2025

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

Bikur Cholim Ltd is a company limited by guarantee and does not have a share capital. It is registered as a charity with the Charity Commission (Charity number 1085965). The charity is governed by its Memorandum and Articles of Association, as amended by special resolution.

Trustees

The trustees, who are also directors for the purposes of company law, are responsible for the overall governance and strategic direction of the charity. Trustees may co-opt additional trustees at any time to fill a vacancy or to strengthen the range of skills, knowledge, and experience on the Board.

Sub-committees

The Board is supported by four sub-committees, each of which meets on a monthly basis and reports to the full Board of Trustees on a bi-monthly basis:

These sub-committees provide focused oversight and support effective governance across the charity's areas of work.

Trustee Induction and Training

All new trustees undergo an enhanced DBS check and receive a comprehensive induction. This includes familiarisation with the charity's governing documents, an overview of trustees' legal responsibilities under charity and company law, the organisational structure of Bikur Cholim, and a review of recent financial performance.

Trustees are encouraged to attend relevant external training to strengthen their knowledge and skills and to support effective governance.

Management and Organisation

The trustees are responsible for governance of the organisation, and the Chair and Treasurer are active in all operational aspects of strategic management. The day to day affairs of the charity are run by its trustees supported by several administrative staff. The trustees retain overall responsibility for governance. The Chair and Treasurer take an active role in strategic oversight, while the day-to-day operations of the charity are managed by trustees and a team of administrative and professional staff.

This structure ensures strong governance while enabling responsive and effective service delivery.

Risk Management

The trustees have assessed the major risks to which the charity is exposed, with particular regard to operational and financial risks. These risks are reviewed regularly and are addressed through appropriate systems and controls, including the charity's Business Continuity Plan.

The trustees are satisfied that suitable measures are in place to manage and mitigate identified risks.

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TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 31 MARCH 2025

OBJECTIVES AND ACTIVITIES FOR THE BENEFIT OF THE PUBLIC

Our Mission

Bikur Cholim's mission is to relieve the effects of sickness, poor physical and mental health, disability, and old age for members of the community in North London. We do this by providing practical, emotional, and therapeutic support that responds to individual need and recognises the importance of family, community, and dignity in times of illness.

Our Vision

To walk alongside patients and families on their journey through illness, offering care, support, and reassurance, and bringing sparks of light along the way.

Founded in 1979 in response to a local tragedy, Bikur Cholim was established to ensure that no individual or family would have to face the challenges of illness or disability alone. More than four decades on, this founding principle continues to guide our work and shape how our services are delivered.

While illness itself cannot always be prevented, much can be done to reduce the distress, isolation, and practical difficulties that so often accompany it. Bikur Cholim's person-centred approach, commitment to respect, dignity, sensitivity, and strict confidentiality enables us to respond flexibly and compassionately to the differing circumstances of each individual and family we support.

Public Benefit

The trustees confirm that they have had due regard to the Charity Commission's guidance on public benefit when reviewing the charity's aims and objectives and in planning and delivering its activities.

Bikur Cholim's services are provided for the benefit of the public within the community we serve and are designed to:

Policies and Procedures

Bikur Cholim maintains a comprehensive suite of policies and procedures which are regularly reviewed and updated. These guide all aspects of our work and ensure that services are delivered safely, ethically, and in line with legal and regulatory requirements.

Key policies include, but are not limited to:

The management team is responsible for ensuring that all staff and volunteers are aware of, trained in, and adhere to these policies in their day-to-day work.

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TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 31 MARCH 2025

ACHIEVEMENTS AND PERFORMANCE

Facts and Figures for the year

Our team

who we have supported during the year

Services delivered during the year

Performance and Impact

Over the year, Bikur Cholim has continued to support individuals and families facing illness, disability, and mental health challenges across the community. Our services span all ages and circumstances and reflect our commitment to walking alongside people in ways that are responsive, respectful, and grounded in need.

Demand for services has remained high, and in some areas has continued to grow. Through the dedication of our staff and volunteers, we have been able to respond flexibly, adapt services where necessary, and maintain high standards of care and support.

Support has been delivered through a combination of practical assistance, emotional support, therapeutic intervention, and volunteer-led services. This integrated approach helps reduce isolation, supports independence, and eases both the practical and emotional impact of illness.

Quality and Approach

Across all services, Bikur Cholim remains committed to person-centred care, cultural sensitivity, and safeguarding. We continue to invest in training, supervision, and quality assurance to ensure that services are delivered safely and effectively.

Our approach focuses not only on meeting immediate needs, but on supporting longer-term wellbeing, resilience, and independence wherever possible.

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TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 31 MARCH 2025

CARE AND SUPPORT SERVICES

Home Care

Bikur Cholim is registered with the Care Quality Commission (CQC) as a domiciliary care provider, delivering home care and nursing care to adults, older people, and children within the community.

We are the preferred primary provider for Hackney Council for home care services for adults and older people within the Charedi community. We are also approved providers for the Disabled Children's Team and NHS Continuing Health Care.

All home care workers complete a structured induction programme aligned with Skills for Care standards and receive ongoing training to ensure that care is delivered in a way that promotes dignity, sensitivity, respect, and person-centred practice.

Bikur Cholim is committed to paying all care workers the London Living Wage, reflecting the value we place on our staff and the high standards of care they deliver.

Specialist Care

Within the community, Bikur Cholim provides care and support for people with a wide range of needs, including:

Services are tailored to individual circumstances and are delivered with cultural understanding and sensitivity.

Highlight: Digitalising Care Records

As part of our commitment to quality and safety, Bikur Cholim continues to use Birdie - a digital care management system, that enables real-time reporting and monitoring of care visits. Care staff record arrival and departure times, tasks completed, and wellbeing observations during each visit.

This allows managers to monitor care delivery remotely, respond promptly to concerns, and maintain oversight of service quality. The introduction of digital systems has strengthened safeguarding, accountability, and continuity of care.

CASE MANAGEMENT AND FAMILY SUPPORT

Case management and family support remain central to Bikur Cholim's approach. Services are organised across three departments:

Each department is led by a manager who triages referrals, assesses need, and allocates cases to an appropriate support worker.

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YEAR ENDED 31 MARCH 2025

Support workers are the main point of contact for individuals and families. They carry out holistic assessments and develop personalised packages of care and support that combine emotional and practical assistance.

All support workers are trained in the FAMILY framework, a structured approach focused on empowerment and independence:

F - Finding out

The framework underpins supervision, peer support, and team meetings, ensuring a consistent and reflective approach across services.

Training and Development

Support workers and care staff benefit from a comprehensive training programme which includes:

Training Highlights

During the year, additional focus was placed on:

MENTAL HEALTH SERVICES

Mental Health Support Work

Mental Health Support Workers provide one-to-one, person-centred support to individuals living with mental health difficulties. Support is flexible and responsive, and may include:

In addition to ongoing support, Bikur Cholim provides crisis support and urgent assistance for

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individuals who are experiencing acute distress. Support Workers respond promptly, help individuals access appropriate urgent care, and work closely with the Mental Health Crisis Line and other relevant services to ensure timely and coordinated support during periods of heightened risk.

As part of our commitment to safety and risk management, Bikur Cholim has developed small, credit-card-sized emergency and crisis contact cards. These are provided to individuals identified as being at risk through risk assessment and are used as part of safety planning, ensuring that clear and accessible support options are available when they are most needed.

Support Workers often work alongside other professionals and services to ensure coordinated and holistic care. The overall aim of the service is to promote stability, independence, and resilience, while reducing isolation and distress.

Talking Therapies Service

Bikur Cholim's Talking Therapies Service provides psychological support to adults, carers, and families who are experiencing emotional distress or mental health difficulties. The service offers a range of evidence-based, outcome-focused psychological therapies delivered in a culturally sensitive and confidential setting.

The service is staffed by a multidisciplinary team of qualified clinicians and operates within a clear clinical governance framework. Clinical oversight and supervision are provided by a designated Clinical Lead, ensuring high standards of practice, accountability, and professional development across the team.

Referrals are reviewed through regular admissions and review processes, enabling timely access to appropriate support and ensuring that individuals receive the level of intervention best suited to their needs.

Therapies offered include:

All therapy sessions are delivered from purpose-designed therapy spaces that provide a calm, comfortable, and safe environment, supporting engagement and the therapeutic process.

Low Intensity and Early Intervention Support

Alongside high-intensity therapy, Bikur Cholim provides low-intensity and early-intervention support for individuals experiencing mild to moderate anxiety and depression, or those who may be waiting for more intensive therapy.

This includes structured, guided self-help and coaching-based interventions delivered by trained practitioners. These interventions support individuals to better understand their mental health, develop coping strategies, and build resilience, while remaining connected to appropriate services.

Psycho-Educational Teleconferences

Our monthly psycho-educational teleconferences cover a range of current and relevant mental health topics and are delivered by our therapists on a rotational basis. The sessions are accessible by telephone, allowing participants to engage anonymously and in confidence. These workshops provide practical insight and information, support early understanding of mental health issues, and form an

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important part of our wider mental health awareness and stigma-reduction work.

Partnership Working

Bikur Cholim works closely with statutory and voluntary sector partners to ensure coordinated care and effective pathways into and between services. This partnership working supports continuity of care, shared understanding, and timely access to appropriate support.

Bikur Cholim is the host organisation for the Charedi Community Connector within the Neighbourhood Teams model. The Community Connector works pan-borough to support members of the Charedi community to access local community services, activities, and wider sources of support, helping to reduce isolation and improve wellbeing.

In addition, Bikur Cholim maintains regular contact and liaison with a range of specialist mental health services, including Perinatal Mental Health Services, EQUIP, Emergency Department (ED) teams, and other relevant services. This includes regular meetings, information sharing (where appropriate), and joint working to ensure that individuals and families receive timely, coordinated, and culturally sensitive support.

Through this collaborative approach, Bikur Cholim is able to walk alongside individuals not only within its own services, but across the wider mental health and community support system.

Highlight: Family Therapy

Thanks to a grant from the City Bridge Foundation, Bikur Cholim has introduced Family Therapy as part of its mental health service.

This development recognises that many of the young adults accessing our services are part of a wider family system. This includes young adults living at home with parents and siblings, young parents, and young carers. In these situations, recovery and wellbeing are often closely linked to the understanding, support, and responses of the family as a whole.

Family Therapy provides a structured space for families to:

The understanding of family systems and their impact on mental health is integral to Bikur Cholim's approach, and the introduction of Family Therapy strengthens our ability to support sustainable recovery.

Peer Support

Peer support remains an important part of Bikur Cholim's mental health provision. Peer-led groups provide a safe and supportive space where individuals can share experiences, reduce isolation, and feel understood by others who are facing similar challenges.

These groups draw on lived experience to promote connection, mutual support, and resilience, and complement formal mental health services.

SibLink

SibLink is a peer support initiative for siblings of individuals living with serious mental health

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conditions. Developed by siblings and teachers, the project recognises the often unseen and complex experiences of siblings and creates meaningful opportunities for connection, shared understanding, and support.

A distinctive and much-valued element of SibLink is the production of professionally produced, high-quality magazines. These magazines feature thoughtful articles, personal reflections, creative contributions, and practical insight from siblings who truly understand the challenges of growing up alongside mental illness. Produced to a very high standard, the magazines give siblings a powerful voice, foster pride and validation, and help raise awareness of sibling experiences within the wider community.

Alongside the magazines, SibLink provides supportive resources and thoughtful gifts to mark key moments and occasions, reinforcing connection and a sense of belonging.

Mental Health Awareness

Alongside direct support, Bikur Cholim continues to invest in mental health awareness within the community. This includes the publication of Heads Up, a mental health awareness magazine which provides accessible information, personal reflections, and lived experience.

The magazine has continued to grow in reach and impact, with contributions from readers who have bravely shared their experiences, helping to reduce stigma and encourage open and informed conversations around mental health.

NEW Mental Health Telephone Advice Line

During the year, Bikur Cholim developed a NEW Mental Health Advice Line in response to the growing number of individuals and families who were unsure where to turn for help or needed clarity, guidance, and reassurance around mental health concerns.

The Advice Line provides:

All calls are handled by trained call assistants and are confidential and anonymous. Callers are not required to disclose their identity, which helps reduce barriers to seeking support and enables people to make contact at an earlier stage.

The Advice Line supports a wide range of callers, including individuals experiencing mental health difficulties, family members seeking advice, and people concerned about someone else's wellbeing. It plays an important role in early intervention and complements Bikur Cholim's wider mental health services.

VOLUNTEERS

Volunteers remain at the heart of Bikur Cholim's work and play a vital role in enabling the charity to walk alongside individuals and families during times of illness, difficulty, and vulnerability. The contribution of volunteers significantly enhances the reach, warmth, and responsiveness of our services and helps reduce isolation within the community.

Bikur Cholim's volunteer programme is carefully structured and supported to ensure that volunteers are well prepared for their roles and that support provided is safe, appropriate, and meaningful.

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Volunteers are recruited, trained, and supported by dedicated Volunteer Coordinators who ensure good practice across all areas of volunteer involvement.

Volunteer Roles

Bikur Cholim's volunteers support individuals and families in a wide range of ways, including:

These roles are carefully matched to volunteers' skills and availability, ensuring that support is appropriate, respectful, and responsive to individual needs.

Hospital Respite Service

Through the Hospital Respite Service, volunteers provide one-to-one support to babies and young children who cannot be left alone in hospital. This enables parents to return home, often to care for other children, knowing that their child is receiving attentive and compassionate support at the bedside.

This service offers essential reassurance to families at times of great stress and is highly valued by both families and hospital partners.

Young Volunteers - Chasdei Hindy

Chasdei Hindy is Bikur Cholim's young volunteers programme, engaging young people in regular volunteering to support families with young children. Volunteers provide weekly practical assistance, including help with childcare, play, mentoring, and homework.

The programme is managed by a dedicated Volunteer Coordinator and includes structured induction, safeguarding-focused training, and ongoing supervision. Alongside their volunteering commitments, young volunteers take part in recognition and reward activities that celebrate their contribution and encourage continued engagement.

Valuing and Supporting Volunteers

Bikur Cholim recognises that volunteering is mutually beneficial. While volunteers provide vital

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support to others, many also gain confidence, skills, and a strong sense of purpose through their involvement. Ongoing support and supervision help ensure that volunteers feel valued and supported in their roles.

Volunteer Value

The charity continues to benefit from a very significant contribution from its volunteers, whose time, commitment, and dedication greatly extend the reach and impact of Bikur Cholim's services.

During the year:

If valued conservatively at an average of £12.50 per hour , the total value of volunteer time and unpaid staff contribution is estimated at £206,538 for the year.

This contribution represents a substantial additional investment in the charity's work and reflects the depth of commitment shown by volunteers and staff alike. Their generosity of time and energy enables Bikur Cholim to continue delivering compassionate, responsive, and practical support to individuals and families across the community.

HOSPITAL TRANSPORT

Travelling to and from hospital appointments can be challenging for individuals who are unwell, frail, or attending appointments with young children. When volunteer transport and public transport is not available or is not the most appropriate option, Bikur Cholim supports access to essential healthcare through a paid hospital transport voucher system.

By covering the cost of transport, this service removes a significant practical and emotional barrier, helping people attend hospital appointments, treatments, and follow-up visits without delay and ensuring that access to healthcare is not compromised by transport difficulties.

Meals Service

The Meals Service provides warm, nutritious meals to individuals and families who are unwell, recovering from illness, or unable to prepare food for themselves. Meals are prepared and delivered by dedicated volunteers and offer both practical support and reassurance during difficult periods.

For many people, receiving a meal is more than nutrition. The service brings stability, comfort, and a sense of being cared for, particularly for older people, carers, and families managing illness at home.

In addition to daily meal provision, Bikur Cholim's volunteers prepare and deliver Shabbos meals, ensuring that individuals and families can maintain routine, dignity, and connection at an important time of the week.

Highlight: Cakes and Challos

Alongside the core meals service, volunteers also prepare and deliver a selection of home-baked cakes and challos each week. Delivered ahead of Shabbos, these thoughtful additions bring warmth and joy to households and help families feel supported in a meaningful and personal way.

Through the Meals Service, Bikur Cholim continues to walk alongside individuals and families, easing the practical pressures of illness while offering kindness and care at moments when it matters most.

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DOMESTIC HELP

Bikur Cholim's Domestic Help service provides practical, hands-on support in the home for individuals and families who are unwell or struggling to manage daily household tasks due to illness, disability or mental health difficulties.

Support includes help with everyday jobs that can quickly become overwhelming when someone is unwell, such as washing up dishes, doing laundry, clearing overflowing bins, tidying accumulated mess, and keeping kitchens and living areas usable and safe. This support is often essential for people living alone, as well as for families juggling illness alongside caring responsibilities.

Even a relatively small amount of help can make a significant difference. By keeping the home functioning, Domestic Help reduces stress, restores a sense of order, and supports the overall wellbeing of the household. It allows individuals and families to focus their limited energy on recovery, caring for one another, and maintaining daily routines, rather than feeling overwhelmed by tasks they are temporarily unable to manage.

Domestic Help is a vital part of Bikur Cholim's holistic support, recognising that practical assistance in the home can have a powerful impact on dignity, stability, and family life during periods of illness.

SHORT BREAKS

For families experiencing illness, disability, or ongoing caring responsibilities, a change of environment can provide valuable respite and an opportunity to rest and recharge. Bikur Cholim's Short Breaks service offers families the chance to step away from daily pressures and focus on recovery and wellbeing.

The service is delivered in partnership with Menuchas Reisel, who generously own and manage a high-quality, one-bedroom flat in Bournemouth. The accommodation is available for short stays, including weekends and mid-week breaks, and provides a calm and comfortable setting for families who would benefit from time away.

We are grateful to The Respite Association, whose partnership has made it possible for up to 20 carers each year to enjoy a much-needed break from their caring responsibilities, helping them rest, recover, and return to their roles with renewed strength.

THE EXTRA TOUCH

Alongside its core services, Bikur Cholim recognises that it is often the smaller, thoughtful gestures that can make a meaningful difference to someone who is unwell or struggling. The Extra Touch reflects Bikur Cholim's commitment to responding flexibly and compassionately to individual circumstances.

This may include arranging flowers, birthday cakes, or small gifts, providing tickets to community events, or offering a restaurant meal or other treat at a time when encouragement and uplift are especially needed. These gestures are carefully considered and tailored, helping individuals and families feel seen, valued, and supported beyond their immediate practical needs.

For children and young people affected by illness, Bikur Cholim also provides special gifts and treats through its Magic Box service. This includes toys, games, and age-appropriate activities designed to bring moments of enjoyment and distraction during what can otherwise be a difficult time.

The Extra Touch complements Bikur Cholim's wider support by recognising the emotional impact of illness and responding in ways that bring comfort, dignity and reassurance.

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CRISIS INTERVENTION AND TRAUMA SUPPORT

Bikur Cholim Crisis Intervention and Trauma Support is staffed by a team of male and female volunteer interventionists who provide supportive responses to sudden and distressing events that can have a profound impact on individuals, families, and the wider community. This service offers timely, compassionate support in the immediate aftermath of traumatic incidents such as sudden bereavement, serious accidents, or other critical events.

The service operates under the auspices of Chai Lifeline, an international leader in trauma response and crisis intervention. Bikur Cholim's trained volunteers are equipped to deliver Psychological First Aid (PFA), an evidence-based approach focused on stabilisation, emotional support, and practical guidance in the early stages following trauma.

Support is short-term and focused on helping individuals feel safe, supported, and grounded, while strengthening natural coping strategies and existing support networks. Where risk assessments indicate that longer-term or specialist support may be needed, individuals and families are supported to access appropriate onward help.

There is strong evidence that timely, compassionate early intervention following traumatic events can significantly reduce the likelihood of longer-term psychological distress. The experience of this service reflects that most individuals who receive immediate support through Crisis Intervention and Trauma Support do not go on to require longer-term mental health intervention.

In addition to supporting individuals and families directly, the service offers guidance and reassurance to schools and community networks responding to traumatic situations, helping them to support those affected in the immediate and short-term aftermath of an incident.

FINANCIAL REVIEW

Reserves policy

The trustees are of the opinion that the level of available reserves held by the charity should be able to cover the costs of three to six months running costs excluding the cost of the provision of commissioned care services. Currently six months running costs amounts to approximately £1,069,519. As of 31 March 2025, the available reserves of the charity were £783,891 which is the equivalent of approximately 4 months running costs.

As at 31 March 2025, the charity had £825,572 unrestricted funds of which £41,681 was fixed assets.

Investment policy

Under the memorandum and articles of association, the charity has the power to make any investment which the trustees see fit. The trustees regularly review the charity's position and needs with respect to the investment policy.

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PLANS FOR FUTURE PERIODS

Bikur Cholim continues to plan carefully and responsibly in response to the changing needs of the community and the increasing complexity of illness, mental health challenges, and caring responsibilities.

Over the coming year, the charity will focus on consolidating and strengthening existing services, ensuring that they remain responsive, sustainable, and delivered to a consistently high standard. Particular emphasis will be placed on services that support early intervention, family systems, and continuity of care, recognising the importance of timely and preventative support.

To support this work, Bikur Cholim will be introducing a new Service Manager post. This role will focus on developing and embedding strong operational policies and procedures across services, strengthening quality assurance, and providing clear operational leadership. The Service Manager will have responsibility for the day-to-day management and support of staff and volunteers involved in service delivery, helping to ensure consistency, clarity, and good practice across the organisation.

In mental health services, Bikur Cholim will continue to develop its integrated approach, building on the introduction of the Mental Health Advice Line, Family Therapy, and enhanced crisis intervention and trauma support. Ongoing partnership working with statutory and community services will remain a priority to ensure coordinated and culturally sensitive pathways of care.

The organisation will also continue to invest in staff and volunteer development, recognising that a skilled, supported and confident workforce is essential to delivering compassionate and effective services. This includes ongoing training, supervision and opportunities for reflective practice.

Alongside service delivery, Bikur Cholim will remain focused on financial sustainability, good governance, and prudent planning. The charity will continue to review its systems, processes and use of resources to ensure resilience in a challenging funding environment, while remaining true to its core purpose of walking alongside individuals and families when they need support most.

TRUSTEES' RESPONSIBILITIES STATEMENT

The trustees, who are also directors for the purposes of company law, are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charitable company and the incoming resources and application of resources, including the income and expenditure, for that period.

In preparing these financial statements, the trustees are required to:

- 15 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 31 MARCH 2025

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

AUDITOR

Each of the persons who is a trustee at the date of approval of this report confirms that:

The auditor is deemed to have been re-appointed in accordance with section 487 of the Companies Act 2006.

SMALL COMPANY PROVISIONS

This report has been prepared in accordance with the provisions applicable to companies entitled to the small companies exemption.

The trustees' annual report was approved on 14 January 2026 and signed on behalf of the board of trustees by: [nr4F5E7FAC975D490... by: Mr A Oberlander

Trustee

- 16 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF BIKUR CHOLIM LTD

YEAR ENDED 31 MARCH 2025

OPINION

We have audited the financial statements of Bikur Cholim Ltd (the 'charity') for the year ended 31 March 2025 which comprise the statement of financial activities (including income and expenditure account), statement of financial position, statement of cash flows and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

BASIS FOR OPINION

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

CONCLUSIONS RELATING TO GOING CONCERN

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

- 17 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD COMPANY LIMITED BY GUARANTEE

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF BIKUR CHOLIM

LTD (continued)

YEAR ENDED 31 MARCH 2025

OTHER INFORMATION

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The trustees are responsible for the other information. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

OPINIONS ON OTHER MATTERS PRESCRIBED BY THE COMPANIES ACT 2006

In our opinion, based on the work undertaken in the course of the audit:

MATTERS ON WHICH WE ARE REQUIRED TO REPORT BY EXCEPTION

In the light of the knowledge and understanding of the charity and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees' report.

We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

- 18 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD COMPANY LIMITED BY GUARANTEE

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF BIKUR CHOLIM

LTD (continued)

YEAR ENDED 31 MARCH 2025

RESPONSIBILITIES OF TRUSTEES

As explained more fully in the trustees' responsibilities statement, the trustees (who are also the directors for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

AUDITOR'S RESPONSIBILITIES FOR THE AUDIT OF THE FINANCIAL STATEMENTS

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

- 19 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF BIKUR CHOLIM

LTD (continued)

YEAR ENDED 31 MARCH 2025

Owing to the inherent limitations of an audit, there is an unavoidable risk that we may not have detected some material misstatements in the financial statements, even though we have properly planned and performed our audit in accordance with auditing standards. For example, the further removed non-compliance with laws and regulations (irregularities) is from the events and transactions reflected in the financial statements, the less likely the inherently limited procedures required by auditing standards would identify it. In addition, as with any audit, there remained a higher risk of non-detection of irregularities, as these may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal controls. We are not responsible for preventing non-compliance and cannot be expected to detect non-compliance with all laws and regulations.

As part of an audit in accordance with ISAs (UK), we exercise professional judgment and maintain professional scepticism throughout the audit. We also:

- 20 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF BIKUR CHOLIM

LTD (continued)

YEAR ENDED 31 MARCH 2025

We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

USE OF OUR REPORT

This report is made solely to the charity's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charity's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity's members as a body, for our audit work, for this report, or for the opinions we have formed.

DAVID GOLDBERG (Senior Statutory Auditor)

New Burlington House 1075 Finchley Road LONDON NW11 0PU

For and on behalf of Cohen Arnold Chartered accountants & statutory auditor

14 January 2026

- 21 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING INCOME AND EXPENDITURE ACCOUNT)

YEAR ENDED 31 MARCH 2025

2025 2024
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 5 648,931 1,246,942 1,895,873 1,879,639
Charitable activities 6 2,734,449 – 2,734,449 2,155,435
Investment income 7 4,956 – 4,956 3,932
───────────── ───────────── ───────────── ─────────────
Total income 3,388,336 1,246,942 4,635,278 4,039,006
═════════════ ═════════════ ═════════════ ═════════════
Expenditure
Expenditure on raising funds:
Costs of raising donations and
legacies 8 (278,865) – (278,865) (43,374)
Expenditure on charitable activities
9,10		 (3,000,755) (1,349,397) (4,350,152) (3,977,708)
───────────── ───────────── ───────────── ─────────────
Total expenditure (3,279,620) (1,349,397) (4,629,017) (4,021,082)
═════════════ ═════════════ ═════════════ ═════════════
───────────── ───────────── ───────────── ─────────────
Net income and net movement in funds 108,716 (102,455) 6,261 17,924
═════════════ ═════════════ ═════════════ ═════════════
Reconciliation of funds
Total funds brought forward 716,856 102,455 819,311 801,387
───────────── ───────────── ───────────── ─────────────
Total funds carried forward 825,572 – 825,572 819,311
═════════════ ═════════════ ═════════════ ═════════════

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 25 to 34 form part of these financial statements.

- 22 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

STATEMENT OF FINANCIAL POSITION

31 MARCH 2025

2025 2024
Note £ £ £
Fixed assets
Tangible fixed assets 15 41,681 78,310
Current assets
Debtors 16 433,126 374,458
Cash at bank and in hand 736,885 654,793
───────────── ─────────────
1,170,011 1,029,251
Creditors: amounts falling due within one year 17 (386,120) (288,250)
───────────── ─────────────
Net current assets 783,891 741,001
────────── ──────────
Total assets less current liabilities 825,572 819,311
────────── ──────────
Net assets 825,572 819,311
══════════ ══════════
Funds of the charity
Restricted funds – 102,455
Unrestricted funds 825,572 716,856
────────── ──────────
Total charity funds 18 825,572
══════════		 819,311
══════════

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies' regime.

These financial statements were approved by the board of trustees and authorised for issue on 14 January 2026, and are signed on behalf of the board by:

[Erosskopf] [4Signed22DAF42441C2447...[M.] by:

Mr J M Grosskopf Trustee

The notes on pages 25 to 34 form part of these financial statements.

- 23 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

STATEMENT OF CASH FLOWS

YEAR ENDED 31 MARCH 2025

2025 2024
£ £
Cash flows from operating activities
Net income 6,261 17,924
Adjustments for:
Depreciation of tangible fixed assets 36,629 37,471
Other interest receivable and similar income (4,956) (3,932)
Accrued expenses 41,926 11,002
Changes in:
Trade and other debtors (58,668) (81,872)
Trade and other creditors 55,944 (27,147)
───────── ─────────
Cash generated from operations 77,136 (46,554)
Interest received 4,956 3,932
───────── ─────────
Net cash from/(used in) operating activities 82,092 (42,622)
═════════ ═════════
Cash flows from investing activities
Proceeds from sale of tangible assets – 22,144
───────── ─────────
Net cash from investing activities – 22,144
═════════ ═════════
Net increase/(decrease) in cash and cash equivalents 82,092 (20,478)
Cash and cash equivalents at beginning of year 654,793 675,271
────────── ──────────
Cash and cash equivalents at end of year 736,885 654,793
══════════ ══════════

The notes on pages 25 to 34 form part of these financial statements.

- 24 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS

YEAR ENDED 31 MARCH 2025

1. GENERAL INFORMATION

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is Ground Floor, 2a Northfield Road, London, N16 5RN.

2. STATEMENT OF COMPLIANCE

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Companies Act 2006.

3. ACCOUNTING POLICIES

Basis of preparation

The financial statements have been prepared on the historical cost basis.

The financial statements are prepared in sterling (rounded to the nearest pound), which is the functional currency of the entity.

The charity meets the definition of a public benefit entity under FRS102.

Going concern

There are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

The Trustees do not consider there are any critical judgements or sources of estimation uncertainty requiring disclosure beyond the accounting policies listed below.

Fund accounting

Unrestricted funds

General unrestricted funds comprise the accumulated surplus or deficit on income and expenditure account. They are available for use at the discretion of the trustees in furtherance of the general objectives of the charity.

Restricted funds

Restricted funds are funds subject to specific restricted conditions imposed by donors.

- 25 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

3. ACCOUNTING POLICIES (continued)

Incoming resources

These are included in the statement of financial activities (SOFA) when:

the charity becomes entitled to the resources;

it is probable the charity will receive the resources; and

the monetary value can be measured with sufficient reliability

Grants and donations

Grants and donations are only included in the SOFA when the Charity has unconditional entitlement to the resources. Donations represent voluntary amounts received during the year.

Expenditure

Expenditure is charged on an accrual basis and allocated to the appropriate headings in the accounts.

The majority of costs are directly attributable to specific activities. Costs incurred in respect of the charitable activities include elements of staff costs and attributable support costs.

Support costs

Support costs are those costs which are common to all areas of the organisation. These are allocated across the activities based on the proportion of direct costs allocated to each activity.

Governance costs

Governance costs are associated with the governance arrangements of the charity and relate to the general running of the charity. These costs include audit, legal advice for trustees and costs associated with meeting constitutional and statutory requirements such as the cost of trustee meetings and the preparation of the statutory accounts.

Operating lease agreements

Rentals applicable to operating leases where substantially all of the benefits and risks of ownership remain with the lessor are charged against profits on a straight-line basis over the period of the lease.

Fixed assets

All fixed assets are initially recorded at cost and subsequently stated at cost less any accumulated depreciation and impairment losses.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Leasehold refurbishment - Over remaining number of years (expires in 2026) Equipment, Fixtures & Fittings - 25% reducing balance Database - 10% straight line

- 26 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

3. ACCOUNTING POLICIES (continued)

Financial instruments

A financial asset or a financial liability is recognised only when the entity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs, unless the arrangement constitutes a financing transaction, where it is recognised at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

4. LIMITED BY GUARANTEE

The charity is a company limited by guarantee and has no share capital. The liability of each trustee in the event of winding up is limited to £1.

5. DONATIONS AND LEGACIES

DONATIONS AND LEGACIES
Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Donations
Grants and Donations 648,931 1,246,942 1,895,873
══════════ ═════════════
═════════════
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Donations
Grants and Donations 487,635 1,392,004 1,879,639
══════════ ═════════════
═════════════

- 27 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

5. DONATIONS AND LEGACIES (continued)

Unrestricted Restricted
Funds Funds Total Funds Total Funds
2025 2025 2025 2024
£ £ £ £
Arbib Lucas Fund - 1,790 1,790 2,491
BAME Advice Worker Grant - 45,000 45,000 45,000
Delapage - - - 106,000
Children Centres - 25,000 25,000 15,120
City & Hackney MIND - 97,471 97,471 86,742
City & Hackney Psychological
Therapies - 306,724 306,724 311,872
Conference for Material Claims against
Germany - 335,708 335,708 271,325
Holiday Grants - 8,300 8,300 27,522
Independent Age - Rubka - - - 20,000
Jewish Temporary Shelter - 5,894 5,894 4,749
London Borough of Hackney - 42,923 42,923 45,342
London Borough of Haringey - Area
Based Grants - 10,000 10,000 30,000
London Propel - New Deal for Young
People - 49,891 49,891 124,727
Maurice Wohl Foundation - 100,000 100,000 100,000
The Power to Change - 18,275 18,275 12,000
Riverside Group Plc - 140,000 140,000 186,874
The Advocacy Project - 11,994 11,994 2,240
Fundraising and donations 648,931 - 648,931 455,082
Other - 47,702 47,702 32,553
──────────
─────────────
─────────────		 ─────────────
Total 648,931 1,246,942 1,895,873 1,879,639
══════════
═════════════
═════════════		 ═════════════
6. CHARITABLE ACTIVITIES
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Fees for Care Services 2,734,449 2,734,449 2,155,435 2,155,435
═════════════
═════════════
═════════════		 ═════════════

- 28 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

6. CHARITABLE ACTIVITIES (continued)

Fees were received from the following Government and public bodies:

Unrestricted Restricted Total
Funds Funds Funds Total Funds
£ £ £ £
London Borough of Hackney 1,860,301 – 1,860,301 1,520,999
City & Hackney Primary Care Trust 558,616 – 558,616 277,917
London Borough of Haringey 141,678 – 141,678 135,691
Users Fees 173,854 – 173,854 220,828
─────────────
────		 ─────────────
─────────────
Total fees for commissioned care
services 2,734,449 – 2,734,449 2,155,435
═════════════
════		 ═════════════
═════════════
7. INVESTMENT INCOME
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Bank interest receivable 4,956 4,956 3,932 3,932
═══════
═══════		 ═══════
═══════
8. COSTS OF RAISING DONATIONS AND LEGACIES
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Costs of raising donations and legacies
- Donations 278,865 278,865 43,374 43,374
══════════
══════════		 ═════════
═════════

- 29 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

9. EXPENDITURE ON CHARITABLE ACTIVITIES BY FUND TYPE

Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Care & Support Services 2,229,028 723,213 2,952,241
Mental Health Support Services 348,865 476,184 825,049
Carers Support 15,734 – 15,734
Volunteer Programme 114,076 – 114,076
Supporting People 7,485 150,000 157,485
Support costs 285,567 – 285,567
───────────── ─────────────
─────────────
3,000,755 1,349,397 4,350,152
═════════════ ═════════════
═════════════
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Care & Support Services 2,102,356 533,119 2,635,475
Mental Health Support Services 97,765 582,568 680,333
Carers Support 11,462 – 11,462
Volunteer Programme 121,925 – 121,925
Supporting People 4,216 216,874 221,090
Support costs 307,423 – 307,423
───────────── ─────────────
─────────────
2,645,147 1,332,561 3,977,708
═════════════ ═════════════
═════════════

10. EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE

Activities

Activities
undertaken Total funds Total fund
directly Support costs 2025 2024
£ £ £ £
Care & Support Services 2,952,241
201,131		 3,153,372 2,848,361
Mental Health Support Services 825,049
55,508		 880,557 736,560
Carers Support 15,734
1,058		 16,792 12,410
Volunteer Programme 114,076
7,675		 121,751 132,002
Supporting People 157,485
10,595		 168,080 239,362
Governance costs –
9,600		 9,600 9,013
─────────────
──────────		 ───────────── ─────────────
4,064,585
285,567		 4,350,152 3,977,708
═════════════
══════════		 ═════════════ ═════════════

- 30 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

11. ANALYSIS OF SUPPORT COSTS

Legal &
Other Office Professional
Staff Costs Costs Costs Total 2025 Total 2024
£ £ £ £ £
Care & Support Services 66,658 111,456 23,017 201,131 212,886
Mental Health Support
Services 30,760 18,396 6,352 55,508 56,227
Carers Support 586 351 121 1,058 948
Volunteer Programme 4,253 2,544 878 7,675 10,077
Supporting People 5,872 3,511 1,212 10,595 18,272
Governance Costs 5,320 3,181 1,099 9,600 9,013
────────── ────────── ───────── ────────── ──────────
113,449 139,439 32,679 285,567 307,423
══════════ ══════════ ═════════ ══════════ ══════════

12. NET INCOME

Net income is stated after charging/(crediting):

Net income is stated after charging/(crediting):
2025 2024
£ £
Depreciation of tangible fixed assets 36,629 37,471
Fees payable for the audit of the financial statements 9,600 9,013
Operating lease costs: land and buildings 50,000 50,000
═════════ ═════════

13. STAFF COSTS

The average head count of employees during the year was 149 (2024: 145).

The total staff costs and employee benefits for the reporting period are analysed as follows:

2025 2024
£ £
Wages and salaries 2,222,974 1,869,131
Social security costs 142,874 105,528
Employer’s pension contributions 30,669 25,695
──────────── ────────────
2,396,517 2,000,354
════════════ ════════════
The number of employees whose remuneration for the year fell within the following The number of employees whose remuneration for the year fell within the following bands, were:
2025 2024
No. No.
£60,000 to £69,999 – 1
════ ════

Key Management Personnel

Key management personnel include all persons that have authority and responsibility for planning, directing and controlling the activities of the charity. The total compensation paid to key management personnel for services provided to the charity was £50,214 (2024: £64,321).

14. TRUSTEE AND KEY MANAGEMENT REMUNERATION AND EXPENSES

There was no remuneration paid to the trustees. The charity did not meet any individual expenses incurred by the trustees for services provided to the charity.

- 31 -

Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

15. TANGIBLE FIXED ASSETS

15. TANGIBLE FIXED ASSETS
Land and Fixtures and
buildings fittings Total
£ £ £
Cost
At 1 April 2024 and 31 March 2025 474,709 85,291 560,000
══════════ ═════════ ══════════
Depreciation
At 1 April 2024 406,502 75,188 481,690
Charge for the year 34,103 2,526 36,629
────────── ───────── ──────────
At 31 March 2025 440,605 77,714 518,319
══════════ ═════════ ══════════
Carrying amount
At 31 March 2025 34,104 7,577 41,681
══════════ ═════════ ══════════
At 31 March 2024 68,207 10,103 78,310
══════════ ═════════ ══════════
16. DEBTORS
2025 2024
£ £
Trade debtors 433,126 374,458
══════════ ══════════
17. CREDITORS: amounts falling due within one year
2025 2024
£ £
Trade creditors 149,296 105,747
Accruals and deferred income 190,910 148,984
Social security and other taxes 37,949 26,941
Other creditors 7,965 6,578
────────── ──────────
386,120 288,250
══════════ ══════════

18. ANALYSIS OF CHARITABLE FUNDS

Unrestricted funds

Unrestricted funds
At
At 31 March
1 April 2024 Income Expenditure 2025
£ £ £ £
General funds 716,856 3,388,336 (3,279,620) 825,572
══════════ ═════════════ ═════════════ ══════════
At At 31 March
1 April 2023 Income Expenditure 2024
£ £ £ £
General funds 758,375 2,647,002 (2,688,521) 716,856
══════════ ═════════════ ═════════════ ══════════

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Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

18. ANALYSIS OF CHARITABLE FUNDS (continued)

Restricted funds

Restricted funds
At
At 31 March
1 April 2024
Income		 Expenditure 2025
£ £ £ £
Restricted funds 102,455
1,246,942		 (1,349,397)
–
══════════
═════════════		 ═════════════
════
At At 31 March
1 April 2023
Income		 Expenditure 2024
£ £ £ £
Restricted funds 43,012
1,392,004		 (1,332,561)
102,455
═════════
═════════════		 ═════════════
══════════
19. ANALYSIS OF NET ASSETS BETWEEN FUNDS
Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Tangible fixed assets 41,681 – 41,681
Current assets 1,170,011 – 1,170,011
Creditors less than 1 year (386,120) – (386,120)
───────────── ────
─────────────
Net assets 825,572 – 825,572
═════════════ ════
═════════════
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Tangible fixed assets 69,401 8,909 78,310
Current assets 935,705 93,546 1,029,251
Creditors less than 1 year (288,250) – (288,250)
────────── ──────────
─────────────
Net assets 716,856 102,455 819,311
══════════ ══════════
═════════════
20. ANALYSIS OF CHANGES IN NET DEBT
At
At 1 Apr 2024 Cash flows 31 Mar 2025
£ £ £
Cash at bank and in hand 654,793 82,092 736,885
══════════ ═════════
══════════
21. OPERATING LEASE COMMITMENTS
The total future minimum lease payments under non-cancellable operating leases are as follows:
2025 2024
£ £
Not later than 1 year 50,000 50,000
Later than 1 year and not later than 5 years 20,833 70,833
─────────
──────────
70,833 120,833
═════════
══════════

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Docusign Envelope ID: 16C36951-0977-4F5C-9CE0-A77042A76E90

BIKUR CHOLIM LTD

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 31 MARCH 2025

22. RELATED PARTIES

No transactions with related parties were undertaken such as are required to be disclosed.

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