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|||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|
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|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||||
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||||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|
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||||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||
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|||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||
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||||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||
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||Unrestricted|Total|Total|
|---|---|---|---|
||funds|funds|funds|
||2022|2022|2021|
||8|8||
|Event expenses|7,826|7,826|600|
|Total2021|600|600||
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||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||
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|||||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||
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|||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||
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||||||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|
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|2022|2021|
|---|---|
|No.|No.|
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|||||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|
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||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|
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|||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|
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|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|
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||||||||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|||
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|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|
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|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|
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|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|
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