2023-03-31-accounts

			Page
Reference and administrative	details ofthe company,	its Trustees and advisers
Chairman's report
Trustees' report			3-9
Independent examiner's report			10
Statement offinancial activities
Balance sheet			12
Notes to the financial statements			13-25

Trustees		P Barry-Walsh, Chairman	P Barry-Walsh, Chairman	P Barry-Walsh, Chairman	P Barry-Walsh, Chairman
		N Mehta
		D A Herbert
		FCai
		SWaggett
		TJordan
		R Lovering	(appointed		9 February 2023)
Company	registered
number		04112525
Charity registered
number		1086562
Registered	office	2 Communications		Road
		Greenham	Business Park
		Newbury
		Berkshire
		RG196AB
Accountants		James Cowper Kreston			Audit
		Chartered	Accountants		and Statutory	Auditor
		2 Communications		Road
		Greenham	Business Park
		Newbury
		Berkshire
		RG196AB
Bankers		The Bank	of Scotland
		Edinburgh	Royal	Mile
		300 Lawn	Market
		Edinburgh
		EH1 2PH
Solicitors		Ranson Houghton
		1-5Bridge	Street
		Andover
		Hampshire
		SP101BE

			Unrestricted	Restricted	Total	Total
			funds	funds	funds	funds
		Note	2023 f	2023	2023f	2022 f
Income from:
Donations and legacies			29,241		29,241	90,375
Charitable activities:
Income for assisting clients			8,223		8,223	36,830
Fees and interest on loans			12,901		12,901	21,193
Investment income			7,226		7,226	9,055
Fundraising			9,597		9,597	11,137
Investments			649		649	19
Other income			3,600		3,600	4,100
Total income			71,437		71,437	172,712
Expenditure on:
Raising funds		8	3,655		3,655	7,826
Charitable activities		10
Cost ofassisting clients			40,912	80,627	121,539	101,793
Governance			6,298		6,298	6,875
Total expenditure			50,865	80,627	131,492	116,494
Net income/(expenditure)	before net
gains on investments			20,572	(80,627)	(60,055)	56,218
Net gains on investments
Net income/(expenditure)			20,572	(80,627)	(60,055)	56,218
Net movement in funds			20,572	(80,627)	(60,055)	56,218
Reconciliation offunds:
Total funds brought forward			253,602	517,573	771,175	714,957
Net movement in funds			20,572	(80,627)	(60,055)	56,218
Total funds carried forward			274,174	436,946	711,120	771,175

		Note		2023f		2022 5
Fixed assets
Investments		14		120,223		154,065
Current assets
Debtors		15	6,021		107,028
Cash at bank and	in hand		627,520		537,976
			633,541		645,006
Creditors: amounts	falling due within one
year		16	(42,644)		(27,896)
Net current assets				590,897		617,110
Total net assets				711,120		771,175
Charity funds
Restricted funds		17		436,946		517,573
Unrestricted funds		17		274,174		253,602
Totalfunds				711,120		771,175

				Unrestricted	Total	Total
				funds	funds	funds
				2023 8	2023f	2022 8
Donations	from	primary	benefactor	3,353	3,353	16,954
Other donations		income		25,888	25,888	30,581
Gilt in kind						42,840
				29,241	29,241	90,375
Total 2022				90,375	90,375

		Unrestricted	Total	Total
		funds	funds	funds
		2023	2023	2022
		8	6	6
Grants receivable		8,223	8,223	36.830
Fees and interest charged on loans made		14,401	14,401	21,193
Investment	income	5,726	5,726	9.058
Total 2023		28,350	28,350	67.081
Total 2022		67,081	67,081

				Unrestricted	Total	Total
				funds	funds	funds
				2023	2023	2022
				E	6	5
	Local events			9,597	9.597	11,137
	Total 2022			11,137	11,137
6.	Investment		income
				Unrestricted	Total	Total
				funds	funds	funds
				2023	2023	2022
				6		0
	Bank interest		receivable	649	649	19
	Total 2022			19	19
7.	Other incoming resources
				Unrestricted	Total	Total
				funds	funds	funds
				2023	2023	2022
				6	6	6
	Business	Club income		3,600	3,600	4,100
	Total 2022			4,100	4,100

		Unrestricted	Total	Total
		funds	funds	funds
		2023f	2023 6	2022f
Event	expenses	3,655	3,655	7,826
Total	2022	7,826	7,826

	Grants to	Total	Total
	Individuals	funds	funds
	2023	2023	2022
	6	6	E
Grants made to institutions			10,000
Total 2022	10,000	10,000

						Unrestricted	Unrestricted	Restricted
							funds	funds	Total	1otal
							2023f	2023f	2023f	2022f
	Costs ofassisting		dients				40,912	80,627	121,539	101,793
	Governance	costs					6,298		6,298	6,875
							47,210	80,627	127,837	108,668
	Total 2022						72,884	35,784	108,668
11.	Costs ofassisting		clients
						Unrestricted		Restricted	Total	Total
							funds	funds	funds	funds
							2023 F.	2023f	2023f	2022f
	Administration	costs and expenses					40,287		40,287	69,338
	Irrecoverable	client loan write-offs/(write-
	backs)						(31,847)	80,627	48,780	(8.o8o)
	Accountancy						32,472		32,472	30.535
	Grants made	to institutions								10.000
							40,912	80,627	121,539	101,793
	Total 2022						175,006	223,127	398,133
12.	Independent	examiner's		remuneration
									2023f	2022f
	Fees payable	to the charity's			independent	examiner	for the independent
	examination	ofthe	charity's	annual accounts					4,000	3,905
	Fees payable	to the chadity's			independent	examiner	in respect	of:
	Preparation	ofthe	financial	statements					1,000	975
	Ag other services not included				above				180	165

			Revenue
	Listed		Share
	investments 5	Loans f	Agreements f	Total 5
Cost or valuation
At 1 April 2022	2,000	94,565	57,500	154,065
Additions		50,000		50,000
Repayment of capital		(35,848)	(8,771)	(44,619)
Amounts wntten off			(39,223)	(39,223)
At 31 March 2023	2,000	108,717	9,506	120,223
Net book value
At 31 March 2023	2,000	108,717	9,506	120,223
At 31 March 2022	2,000	94,565	57,500	154,065

	2023	2022
	E	E
Due after more than one year
Client loans (net of provision)		37,439
Due within one year
Client loans (net of provision)		67,661
Other debtors		250
Prepayments and accrued income	6,021	1,678
	6,021	107,028

		2023f	2022 6
Other loans		20,301	20,301
Trade creditors		270	1,453
Other creditors		120	142
Accruals and deferred	income	21,953	6,000
		42,644	27,896

Stateme	n	t offunds - curren	t year
							Balance at
			Balance at 1			Transfers	31 March
			April 2022 6	Income 5	Expenditure 6	in/out f	2023 6
Unrestricted funds
General		Funds - all funds
General		Funds - all funds	253,602	71,437	(50,865)		274,174
			253,602	71,437	(50,865)		274,174
Restricted funds
Friendly		Lending	5,161				5,161
Women's		Loan Fund	100				100
Capital	Fund		512,312		(80,627)		431,685
			517,573		(80,627)		436,946
Total of		funds	771,175	71,437	(131,492)		711,120

Statemen	t offunds - prior y	ear
						Balance at
		Balance at			Transfers	31 March
		1 April 2021 6	Income 6	Expenditure f	in/out f	2022 E
Unrestricted funds
General	Funds - all funds	158,621	172,712	(80,710)	2,979	253,602
General	Funds - all 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 1			31 March
		April 2022f	Income E.	Expenditure f	2023 f
General	funds	253,602	71,437	(50,865)	274,174
Restricted funds		517,573		(80,627)	436,946
		771,175	71,437	(131,492)	711,120

						Balance at
		Balance at			Transfers	31 March
		I April 2021 E	Income f.	Expenditure f	in/out	2022 E
General	funds	158,621	172,712	(80,710)	2,979	253,502
Restricted funds		556,336		(35,784)	(2,979)	517,573
		714,957	172,712	(116,494)		771,175

Analysis	ofnet assets between funds - cur	rent year
		Unrestricted	Restricted	Total
		funds	funds	funds
		2023 E	2023 E	2023f
Fixed asset investments		120,223		120,223
Current	assets	176,294	457,247	633,541
Creditors	due within one year	(22,343)	(20,301)	(42,644)
Total		274,174	436,946	711,120

Analysis ofnet assets between funds - prior ye	ar
	Unrestricted	Restricted	Total
	funds	funds	funds
	2022	2022	2022
	E	E	E
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)
	253,602	517,573	771,175