2022-03-31-accounts

		Page
Reference and administrative details ofthe company,	its Trustees and advisers
Chairman's report
Trustees' report		3-9
Independent examiner's report
Statement offinancial activities
Balance sheet		12
Notes to the financial statements		13-28

Trustees		P Barry-Walsh, Chairman	P Barry-Walsh, Chairman	P Barry-Walsh, Chairman
		P E Kelly (resigned 29		June 2021)
		N Mehta
		D A Herbert
		FCai
		SWaggett	(appointed	7December 2021)
		TJordan (appointed 5		October 2021)
Company	registered
number		04112525
Charity registered
number		1066562
Registered	office	2 Communications Road
		Greenham	Business Park
		Newbury
		Berkshire
		RG196AB
Accountants		James Cowper Kreston
		Chartered	Accountants	and Statutory	Auditor
		2 Communications Road
		Greenham	Business Park
		Newbury
		Berkshire
		RG196AB
Bankers		The Bank	ofScotland
		Edinburgh	Royal Mile
		300 Lawn	Market
		Edinburgh
		EH12PH
Solicitors		Ranson Houghton
		1-5Bridge	Street
		And over
		Hampshire
		SP101BE

			Unrestricted	Restricted	Total	Total
			funds	funds	funds	funds
			2022	2022	2022	2021
		Note	6	5	5	F
Income from:
Donations and legacies			90,375		90,375	145,916
Charitable activities:
Income for assisting clients			36,830		36,830	58,055
Fees and interest on loans			21,193		21,193	50,988
Investment income			9,058		9,058	2,084
Other grants						63,605
Fundraising			11,137		11137	14,321
Investments			19		19	177
Other income			4,100		4,100
Total income			172,712		172,712	335,146
Expenditure on:
Raising funds		8	7,826		7,826	600
Charitable activities:		10
Cost ofassisting clients			66,009	35,784	101,793	589,696
Governance			6,875		6,875	6,528
Total expenditure			80,710	35,784	116,494	596,824
Net income/(expenditure)	before net
losses on investments			92,002	(35,784)	56,218	(261,678)
Net losses on investments						(2,000)
Net incomel(expenditure)			92,002	(35,784)	56,218	(263,678)
Transfers between funds		18	2,979	(2,979)
Net movement in funds			94,981	(38,763)	56,218	(263,678)
Reconciliation offunds:
Total funds brought forward			158,621	556,336	714,957	978,635
Net movement in funds			94,981	(38,763)	56,218	(263,678)
Total funds carried forward			253,602	517,573	771,175	714,957

			Unrestricted	Restricted	Total	Total
			funds	funds	funds	funds
			2022	2022	2022	2021
			6	5	F
Donations	from	primary benefactor	16,954		16,954	37,000
Other donations		income	30,581		30,581	66,076
Gift in kind			42,840		42,840	42,840
			90,375		90,375	145916
Total 2021			144,916	1,000	145,916

		Unrestricted	Restricted	Total	Total
		funds	funds	funds	funds
		2022	2022	2022	2021
		5	E	5	5
Grants receivable		36,830		36,830	58,055
Fees and interest charged on loans made		21,193		21,193	50,988
Investment income		9,058		9,058	2,084
Non-core government grants for Covid-1 9	and other support				63,605
Total 2022		67,081		67,081	174,732
Total2021		122,389	52,343	174,732

			Unrestricted	Total	Total
			funds	funds	funds
			2022	2022	2021
			E	E
	Local events		11,137	11,137	14,321
	Total 2021		14,321	14,321
6.	Investment	income
			Unrestricted	Total	Total
			funds	funds	funds
			2022	2022	2021
			E	E	E
	Bank interest	receivable	19	19	177
	Total 2021		177	177
7.	Other incoming resources
			Unrestricted	Total	Total
			funds	funds	funds
			2022	2022	2021
			E	E	E
	Business Club income		4,100	4,100

	Unrestricted	Total	Total
	funds	funds	funds
	2022	2022	2021
	8	8
Event expenses	7,826	7,826	600
Total2021	600	600

	Grants to	Total	Total
	Individuals	funds	funds
	2022	2022	2021
	8	8	8
Grants made to institutions	10,000	10,000	5,000
Total 2021	5,000	5,000

				Unrestricted	Restricted	Total	Total
				funds	funds	funds	funds
				2022	2022	2022	2021
				E	6	6	E
Costs ofassisting		clients		66,009	35,784	101,793	398,133
Repayment	ofCommunity		Funds				191,563
Governance	costs			6,875		6,875	6,528
				72,884	35,784	108,668	596,224
Total2021				181,534	414,690	596,224

		Unrestricted	Restricted	Total	Total
		funds	funds	funds	funds
		2022 6	2022 6	2022 8	2021f
Other staff costs					907
Administration	costs and expenses	69,338		69,338	125,924
Irrecoverable	client loan write-offs/(write-
backs)		(43,864)	35,784	(8,080)	128,328
Accountancy		30,535		30,535	30,500
Wages and salaries					101,708
National insurance					1,537
Pension costs					3,996
Depreciation					233
Grants made	to institutions	10,000		10,000	5,000
		66,009	35,784	101,793	398,133
Total 2021		175,006	223,127	398,133

					2022 E	2021f
Fees payable to the charity's		independent	examiner	for the independent
examination ofthe charity's	annual accounts				4,685	4,470
Fees payable to the charity's		independent	examiner	in respect of:
Preparation ofthe financial	statements				1,170	1,110
All other services not included		above			198	198
Staff costs
					2022	2021
					E	F
Wages and salaries						101,708
Social security costs						1,537
Other pension costs						3,996
						107,241

2022	2021
No.	No.

				Revenue
		Listed		Share
		investments 6	Loans 5	Agreements f	Total 5
Cost or valuation
At 1 April 2021		2,000	100,000	25,000	127,000
Additions				59,581	59,581
Repayment ofcapital			(5,435)		(5,435)
Amounts written off				(14,581)	(14,581)
Amounts provided	for			(12,500)	(12,500)
At 31 March 2022		2,000	94,565	57,500	154,065
Net book value
At 31 March 2022		2,000	94,565	57,500	154,065
At 31 March 2021		2,000	100,000	25,000	127,000

	2022	2021
	5
Due after more than one year
Client loans (net ofprovision)	37,439	103,019
	37,439	103,019
Due within one year
Client loans (net ofprovision)	67,661	112,213
Other debtors	250	206
Prepayments and accrued income	1,678	4,037
	107,028	219,475

		2022	2021
		E	6
Otherloans		20,301	20,301
Trade creditors		1,453	13,317
Other taxation and social security			3,266
Other creditors		142	1,687
Accruals and deferred	income	6,000	7,571
		27,896	46,142

Statemen	t offunds - curren	t year
						Balance at
		Balance at 1			Transfers	31 March
		April 2021	Income	Expenditure	in/out	2022
		5	5	5	5	5
Unrestricted funds
General	Funds - ag funds	158,621	172,712	(80,710)	2,979	253,602
Restricted funds
Friendly	Lending	5,161				5,161
Women's	Loan Fund	100				100
Capital Fund		551,075		(35,784)	(2,979)	512,312
		556,336		(35,784)	(2,979)	517,573
Total of	funds	714,957	172,712	(116,494)		771,175

							Balance at
	Balance at				Transfers	Gains/	31 March
	1 April	2020	Income	Expenditure	in/out	(Losses)	2021
		6		6	6
Unrestricted
funds
General Funds-
all funds	121,079		281,803	(182,134)	(60,127)	(2,000)	158,621
Restricted
funds
Yarlington
Housing Group
Loan fund	40,844				(40,844)
Community
Foundation-
Kent	114,976			(50,134)	(64,842)
Community
Foundation-
Comwall	11,172			(1,607)	(9,565)
Community
Foundation-
Northamptonshir
e	72,575			(53,624)	(18,951)
Community
Foundation-
Cambridgeshire	92,422			(19,225)	(73,197)
Community
Foundation-
Bristol &Bath	268,521			(156,375)	(112,146)
Community
Foundation-
London	97,971			(42,510)	(55,461)
Community
Foundation-
Devon	30,442			(5,916)	(24,526)
Community
Foundation-
Wilts hire	63,661			(3,914)	(59,747)
Community
Foundation-
Lincolnshire	60,711				(60,711)
Surrey County
Council
community
sector grant			50,000	(55,652)	5,652

Statemen	t offun	ds - prior year (	continued)
							Balance at
		Balance at			Transfers	Gains/	31 March
		1 April 2020 6	Income E	Expenditure f	in/out 6	(Losses) 6	2021 6
Friendly	Lending	4,161	1,000				5,161
Women's	Loan
Fund		100					100
BBO			2,343	(2,343)
Capital Fund				(23,390)	574,465		551,075
		857,556	53,343	(414,690)	60,127		556,336
Total of	funds	978,635	335,146	(596,824)		(2,000)	714,957

Summary	offunds	- current ye	ar
							Balance at
			Balance at 1			Transfers	31 March
			April 2021	Income	Expenditure	in/out	2022
			6	6	6	5	6
General funds			158,621	172,712	(80,710)	2,979	253,602
Restricted	funds		556,336		(35,784)	(2,979)	517,573
			714,957	172,712	(116,494)		771,175
Summary	offunds	- prior year
							Balance at
		Balance at			Transfers	Gains/	31 March
		1 April 2020	Income	Expenditure	in/out	(Losses)	2021
			5	E		6	6
General funds		121,079	281,803	(182,134)	(60,127)	(2,000)	158,621
Restricted	funds	857,556	53,343	(414,690)	60,127		556,336
		978,635	335,146	(596,824)		(2,000)	714,957

Analysis ofnet assets between funds - current	year
	Unrestricted	Restricted	Total
	funds	funds	funds
	2022	2022	2022
	6	E	F
Fixed asset investments	154,065		154,065
Debtors due after more than one year	37,439		37,439
Current assets	69,693	537,874	607,567
Creditors due within one year	(7,595)	(20,301)	(27,896)
Total	253,602	517,573	771,175

Analysis ofnet assets between funds - prior ye	ar
	Unrestricted	Restricted	Total
	funds	funds	funds
	2021	2021	2021
	6		F
Fixed asset investments	127,000		127,000
Debtors due after more than one year	103,019		103,019
Current assets	(45,557)	576,637	531,080
Creditors due within one year	(25,841)	(20,301)	(46,142)
Total	158,621	556,336	714,957