##
|Trust Information||||
|---|---|---|---|
|1.1
Constitution||||
|1.2
Addresses||||
|1.3
Board ofTrustees||||
|1.4
Induction ofTrustees||||
|1.5
Conflict ofInterest||||
|1.6
Organisational
Structure||||
|1.7
Senior Staff||||
|1.8
Statutory
Requirements||||
|Aims and Objectives||||
|2.1 Public Benefit||||
|Trustees' Annual
Report||||
|3.1
Introduction||||
|3.2
Service Provided||||
|3.3
Volunteers||||
|34
Future Funding|8|Service Delivery||
|3.5
Employment
Success||||
|Financial
Review||||
|4.1
Risk Assessment||||
|4.2
Reserves Policy||||
|4.3
Investment
Policy||||
|Financial
Review ofthe|Year:|||
|Independent
Auditors'||report|17-21|
|Statement offinancial|activities||22|
|Balance sheet|||23-24|
|Statement ofcash flows|||25|
|Note's to the financial|statements||26-50|
##
##
##
##
|Principal|Office:|Citizens Advice Cardiff and Vale ofGlamorgan|
|---|---|---|
|||119Broad Street|
|||BARRY CF62 7TZ|
|Bankers:||Unity Trust Bank pic|
|||Nine Brindleyplace|
|||Birmingham|
|||B1 2HB|
##
##
|Legal Advisers:|Legal Advisers:||Paul Archer —HR Adviser||
|---|---|---|---|---|
||||21 Cox Stalls||
||||Wooton Bassett||
||||Swindon||
||||SN4 7AW||
||||Berry Smith - Conveyancing|Adviser|
||||Haywood
House||
||||Dumfries
Place||
||||Cardiff||
||||CF103GA||
|Statutory|Auditors|&|Azets Audit Services||
|Chartered|Accountants:||Ty Derw||
||||Lime Tree Court||
||||Cardiff Gate Business Park||
||||Cardiff||
||||CF23 8AB||
##
##
|Trustee|Member organisation|I|Position|||
|---|---|---|---|---|---|
||(ifappropriate)|||||
|I Chris Graham|||Trustee/Director|||
|, Dave Browne||tTrustee/Director||—resigned 26.11.20||
|' Steve Davis||!|Trustee/Director|||
|Roy Edwards||I|Trustee/Director|||
|; Peter Trott|||Chair/Trustee/Director|||
|; Denise Goode|||Trustee/Director|||
|Louisa Scadden|||Trustee/Director|||
|i Lauren Fear|||Trustee/Director|||
|, Michael Trickey|||Trustee/Director|||
|,,'Helen
Morgan||I|Treasurer/Trustee/Director
25.06.20||-joined|
|I Mike Spencer||'
,|Trustee/Director|—joined 25.06.20||
|Lynne Hamilton||I|Trustee/Director|-joined 27.08.20||
|Cathryn
Mayo||i|Trustee/Director|—joined 26.11.20||
|Jane Clay||I|Company
Secretary|||
##
##
##
##
##
##
##
##
##
##
##
##
|ACV Service D|elivery Information
2020|/21||
|---|---|---|---|
|Funder|project||Duration|
||Core service - generalist|and|Commissioned
contract until|
|Cardiff Council|specialist advice in Cardiff|(via|3'l.03.22 (option for 2year|
||f2f, tele
hone &digital)||extension)|
##
|Vale of||Core service —generalist|||
|---|---|---|---|---|
|Glamorgan||advice in the Vale (via|3year grant|to 31/03/22|
|Council||telephone, f2f8 digital)|||
|||Consumer
Advice (including|||
|BEISvia Citizens
Advice||Energy and Seams)—
telephone,
webchat &email
advice service across England|Grant currently
Will be|ending 31.03.21.
renewed|
|||&Wales|||
|||Advicelink
Cymru-|||
|||Community
Focussed|||
|||(generalist f2f), Specialist|||
|Welsh||advice (f2f) both across Cardiff|||
|Government
via
Citizens Advice||8 Vale.
Pan Wales remote service
(generalist,
debt 8benefits|Grant funding
now extended
until March 2022||
|||specialist) via telephone
8|||
|||digital.|||
|DWP via Citizens
Advice||Pensionwise
—pan Wales
pensions guidance
(f2f&
hone)|Current grant ends 31.03.21.Will
be renewed for one year||
|Money and
Pension Service
(MaPS) via||MaPS Webchat —specialist
debt advice in England
8
Wales via webchat|Current grant ends 31.03.21.Will
be renewed for one year||
|Citizens Advice|||||
|Motor Neurone
Disease
Association||MND —specialist benefits
telephone
advice for the MND
service across England
&
Wales|2year grant ending 31.12.21||
|||Help to Claim —F2F, Phone &|||
|||webchat advice helping
people|||
|DWP via Citizens
Advice||make a first UC claim in Cardiff
8 Vale; also the England
8|Current grant|ends 31/03/22|
|||Wales H2C Back-up telephone|||
|||service|||
|Welsh
Government
via
Citizens Advice||EU Citizens
Rights —advice on
generalist
issues and help to
claim settled status; also
s ecialist advice on|1 year grant due|to end 31.12.21|
##
##
||discrimination
and||||||
|---|---|---|---|---|---|---|
||employment
—across parts of||||||
||South, West and Mid Wales||||||
||(f2f8 telephone)||||||
|Welsh|Private Rental Sector—||||||
|Government
via
Citizens Advice|specialist debt advice to
private
rental sector tenants|||Current grant until|March|2022|
||across Wales (via telephone)||||||
||Income Maximisation-||||||
|Welsh
Government
via|helping to engage with and
advise clients from BAME|||Initial grant until|31.03.21||
|Citizens Advice|community
in Cardiff (f2fg|||(expected to continue)|||
||tele
hone)||||||
||Building additional
capacity||||||
|Welsh Govt via
Citizens Advice|for employment
advice
(training
8 advice provision f2f|||31.03.21 (expected|to continue)||
||8 tele
hone)||||||
|BEISvia Citizens|Providing
additional
resource||||||
|Advice|on telephone,
webchat &|||Grant until 31/10/21|||
||email —across Wales||||||
|Social Enterprise|(mainly training)
is an additional|source ofincome and will vary.||||One|
|offgrants such as the one this year to help refurbish|||the office due to the coronavirus||||
|epidemic are not|included
in the table but are reported|||in the accounts.|||
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
|||Unrestricted|Unrestricted|Restricted|TotalUnrestricted|TotalUnrestricted|Restricted|Restricted|Total|
|---|---|---|---|---|---|---|---|---|---|
||||funds|funds||funds||funds||
||||2021|2021|2021|2020||2020|2020|
|||Notes|E|E|E|||||
|Income and|endowments||from|||||||
|Donations|||330||330|300||—|300|
|Charitable||||||||||
|activities|||206,473|4,132,3634,338,836||207,662|3,381,6993,589,361|||
|Other||||||||||
|income|||1,298||1,298|3,102||6,435|9,537|
|Total income|||208,101|4,132,3634,340,464||211,064|3,388,1343,599,198|||
|~ex enditure|on:|||||||||
|Charitable||||||||||
|activities||6|71,877|3,958,6094,030,486||79,682|3,237,4633,317,145|||
|Gross transfers||||||||||
|between funds||||||(7)||7||
|Net income|forthe|||||||||
|year/Net||||||||||
|movement|in funds|||||||||
||||136,224|173,754|309,978|131,375||150,678|282,053|
|Fund balances||at 1||||||||
|April 2020|||653,458|326,349|979,807|522,083||175,671|697,754|
|Fund balances||at 31||||||||
|March 2021|||789,682|500,1031,289,785||653,458||326,349|979,807|
##
##
||||||2021|2020|
|---|---|---|---|---|---|---|
|||||Notes|E|E|
|Fixed assets|||||||
|Tangible assets||||10|424,735|368,493|
|Current assets|||||||
|Debtors||||11|641,748|87,940|
|Cash at bank and in||hand|||661,185|826,440|
||||||1,302.933|914.380|
|Creditors: amounts|falling due||||||
|within one year||||12|(221,818)|(42,329)|
|Net current assets|||||1,081,115|872,051|
|Total assets less current|||liabilities||1,505,850|1,240,544|
|Creditors: amounts|falling due||||||
|after more than one||year|||||
|||||13|(216,065)|(260,737)|
|Net assets|||||1,289,785|979,807|
|Income funds|||||||
|Restricted funds||||16|500,103|326,349|
|Unrestricted
funds|||||||
|Designated
funds||||17|300,192|300,192|
|General unrestricted||funds|||489,490|353,266|
||||||789,682|653,458|
||||||1,289,785|979,807|
##
##
##
##
|||||2021|2020|
|---|---|---|---|---|---|
||||Notes|E|E|
|Cash flows from operating||activities||||
|Cash (absorbed
by)/generated|||22|||
|from operations||||(22,243)|198,768|
|Investing|activities|||||
|Purchase|oftangible fixed|assets||(90,431)|(66,334)|
|Proceeds|on disposal oftangible|||||
|fixed assets|||||190|
|Net cash|used in investing|||||
|activities||||(90,431)|(66,144)|
|Financing|activities|||||
|Repayment
ofbank loans||||(52,581)|(7,256)|
|Net cash|used in financing|||||
|activities||||(52,581)|(7,256)|
|Net (decrease)/increase
in||cash and||||
|cash equivalents||||(165,255)|125,368|
|Cash and|cash equivalents|at beginning||||
|ofyear||||826,440|701,072|
|Cash and|cash equivalents|at end|of|||
|year||||661,185|826,440|
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
|residual v|alues over their useful|lives on the following ba|lives on the following ba|
|---|---|---|---|
|Freehold|land and buildings|5%straight
line||
|Property|improvements|25%reducing|balance|
|Computer|Equipment|33%straight|line|
|Fixtures and equipment||2596 reducing|balance|
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
||||UnrestrictedUnrestricted|UnrestrictedUnrestricted|
|---|---|---|---|---|
||||funds|funds|
||||2021|2020|
||||E|E|
|Donations|and|gifts|330|300|
##
|||||2021|2020|
|---|---|---|---|---|---|
|||||E|E|
|Performance
related grants||||4,286,613|3,535,949|
|Sundry|income|||5,503|13,955|
|Social Enterprise||Training|Income|46,720|39,457|
|||||4,338,836|3,589,361|
|Analysis|by fund|||||
|Unrestricted
funds||||206,473|207,662|
|Restricted funds||||4,132,363|3,381,699|
|||||4,338,836|3,589,361|
|Performance
related grants||||||
|Welsh Government||||1,942,544|1,083,567|
|Money|Advice Service||||240,089|
|Citizens|Advice||||21,159|
|Money|and Pensions Service|||492,884||
|Cardiff|County Council|||320,000|360,305|
|Vale of|Glamorgan|County|Borough Council|154,250|154,250|
|Department
for Work 8 Pensions||||274,921|660,683|
|BEIS||||985,163|942,896|
|MND Association||||73,000|73,000|
|Martin|Lewis|||29,647||
|Ofgem||||13,370||
|Nationa|I Trading|Standards|Institute|833||
|||||4,286,613|3,535,949|
##
##
##
##
|||UnrestrictedUnrestricted|UnrestrictedUnrestricted|Restricted|Total|
|---|---|---|---|---|---|
|||funds|funds|funds||
|||2021|2020|2020|2020|
||||E|E||
|Other|income|1,298|3,102|6,435|9,537|
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##
##
|7|Support costs|Support costs|||||||
|---|---|---|---|---|---|---|---|---|
||||Support|Governance|2021|SupportGovernance||2020|
||||costs|costs||costs|costs||
||||E|||E|E||
||Staff costs||3,596||3,596|104,101||104,101|
||Depreciation||34,189||34,189|17,205||17,205|
||Property costs-||11,250||11,250|23,085||23,085|
||Property costs-||64,652||64,652|41,509||41,509|
||Telephone||74,379||74,379|58,766||58,766|
||Printing,
postage||||||||
||8 stationery||20,872||20,872|20,504||20,504|
||General||||||||
||insurance||13,515||13,515|3,306||3,306|
||Equipment|&|||||||
||software
rental||136,584||136,584|107,512||107,512|
||Books &||||||||
||publications||25,956||25,956|12,629||12,629|
||Mortgage interest||||||||
||8 bank charges||11,475||11,475|11,873||11,873|
||Legal 8||||||||
||professional||12,983||12,983|11,645||11,645|
||Other office||||||||
||overheads||2,115||2,115|27,748||27,748|
||Audit fees|||4,500|4,500||4,500|4,500|
||Trustees'||||||||
||expenses|||23|23||||
||Other||||||||
||governance|costs|||||238|238|
||||411,566|4,523|416,089|439,883|4,738|444,621|
||Analysed
between||||||||
||Charitable||||||||
||activities||411,566|4,523|416,089|439,883|4,738|444,621|
##
##
##
##
##
|Employees||||
|---|---|---|---|
|||2021|2020|
|||Number|Number|
|||120|112|
|Employment|costs|2021|2020|
||||E|
|Wages and|salaries|2,752,519|2,320,436|
|Social security costs||223,790|179,158|
|Other pension costs||91,831|72,495|
|||3,068,140|2,572,089|
|were:||||
|---|---|---|---|
|||2021|2020|
|||Number|Number|
|E60,000|- E70,000|1|1|
##
##
##
|Tangible fixe|d assets|||||
|---|---|---|---|---|---|
||||Freehold|Fixtures|Total|
||||land and|and||
||||buildings|equipment||
||||E|E||
|Cost||||||
|At 1 April 2020|||315,000|189,471|504,471|
|Additions||||90,431|90,431|
|At 31 March|2021||315,000|279,902|594,902|
|Depreciation|and impairment|||||
|At 1 April 2020|||18,375|117,603|135,978|
|Depreciation|charged|in the year|15,750|18,439|34,189|
|At 31 March|2021||34,125|136,042|170,167|
|Carrying amount||||||
|At 31 March|2021||280,875|143,860|424,735|
|At 31 March|2020||296,625|71,868|368,493|
##
|FOR THE YEAREVDEO31|FOR THE YEAREVDEO31|FOR THE YEAREVDEO31|FOR THE YEAREVDEO31|FOR THE YEAREVDEO31|NARCH2021||||
|---|---|---|---|---|---|---|---|---|
|11|Debtors||||||||
||||||||2021|2020|
||||||||E|E|
||Amounts|falling due|||within one year:||||
||Prepayments||and|accrued income|||641,748|87,940|
|12|Creditors:|amounts||falling due within one year|||||
||||||||2021|2020|
|||||||Notes|E|E|
||Bank loans|||||14|7,923|15,832|
||Deferred|income||||15|131,695||
||Accruals and||deferred||income||82,200|26,497|
||||||||221,818|42,329|
|13|Creditors:|amounts||falling due after more than|||||
||||||||2021|2020|
|||||||Notes|E|E|
||Bank loans|||||14|216,065|260,737|
##
|14|Loans and overdrafts|Loans and overdrafts|||
|---|---|---|---|---|
||||2021|2020|
||||E|E|
||Bank loans||223,988|276,569|
||Payable|within one year|7,923|15,832|
||Payable|after one year|216,065|260,737|
||Amounts|included
above which fall due after five years:|||
||Payable|by instalments|(180,640)|(190,839)|
||||2021|2020|
|---|---|---|---|---|
||||f|E|
|Other deferred income|||131,695||
||||2021|2020|
||||E|E|
|Balance|brought|forward||84,558|
|Amount|received|in the year|4,418,308|3,465,551|
|Amount|released|in the year|(4,286,613)|(3,550,109)|
|Balance|carried forward||131,695||
|||||||||||||||||||||0|0||
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##
##
##
##
##
|||Unrestricted|Restricted|TotalUnrestricted|TotalUnrestricted|Restricted|Total|
|---|---|---|---|---|---|---|---|
|||funds|funds||funds|funds||
|||2021|2021|2021|2020|2020|2020|
|||E|E|E|E|E|E|
|Fund balances||||||||
|at 31 March||||||||
|2021 are||||||||
|represented|by:|||||||
|Tangible assets||424,735||424,735|368,493||368,493|
|Current||||||||
|assets/(liabilities)||581,012|500,103|1,081,115|545,702|326,349|872,051|
|Long term||||||||
|liabilities||(216,065)||(216,065)|(260,737)|-|(260,737)|
|||789,682|500,103|1,289,785|653,458|326,349|979,807|
||2021|2020|
|---|---|---|
||E|E|
|Within one year|68,012|36,080|
|Between two and five years|117,988|145,096|
||186,000|181,176|
##
##
##
||company,
in the event ofthe company
required
not exceeding E1.|company,
in the event ofthe company
required
not exceeding E1.|being wound
up,|such amounts
|as may be|
|---|---|---|---|---|---|
|22|Cash generated
from operations|||2021|2020|
|||||E|f.|
||Surplus for the year|||309,978|282,053|
||Adjustments
for:|||||
||Depreciation
and impairment|oftangible|fixed assets|34,189|17,205|
||Movements
in working capital:|||||
||(Increase)/decrease
in debtors|||(553,808)|28,345|
||Increase/(decrease)
in creditors|||55,703|(44,277)|
||Increase/(decrease)
in deferred|income||131,695|(84,558)|
||Cash (absorbed
by)/generated|from operations||(22,243)|198,768|
##
|23|Analysis ofchanges|in net funds||||
|---|---|---|---|---|---|
||||At 1 April|Cash|At 31|
||||2020|flows|March|
||||||2021|
||||||E|
||Cash at bank and in|hand|826,440|(165,255)|661,185|
||Loans falling due within one year||(15,832)|7,909|(7,923)|
||Loans falling due after more than one year||(260,737)|44,672|(216,065)|
||||549,871|(112,674)|437,197|