# 



## 

## 

|CONTENTS||Page|
|---|---|---|
|Introduction|and Chairman's<br>Report||
|Report ofthe|Trustees|1-7|
|Report ofthe|Independent<br>Auditors|8-11|
|Consolidated|Statement ofFinancial Activities||
|Consolidated|and Purest Charity<br>Balance Sheets|13|
|Consolidated|Statement ofCash Flows|14|
|Notes to the Financial Statements||15-26|





## 

## 

## 

## 

## 



## 

## 



## 

## 

## 

## 



## 

## 

## 


## 

## 

## 



## 

## 

## 

## 

## 

## 

## 

## 

## 



## 

## 

## 

## 



## 

## 

## 



## 

## 

## 

## 

## 



## 

## 

## 



## 



## 

## 

|CONSOLIDATED STATEME<br>Expenditure<br>Account)<br>FORTHEYEAR ENDED<br>31MARCH 2022|NT OF|FINANCIAL ACi|5v/ITIES (inclu|ding<br>Consolidated|income snd|||
|---|---|---|---|---|---|---|---|
||||||Total||Total|
|||Unrestricted|Designated|Restricted|Fuuds||Funds|
||Note|Funds|Funds|Funds|2022||2021|
|||g||K||||
|Income snd Endowments||||||||
|Donations<br>and||||||'||
|legacies||47,447|||47,447||23,488|
|income from charitable||||||||
|activities:||||||||
|Grants from public||||||||
|authorities<br>and other||||||||
|grants<br>Welfare services||102,962<br>1,037,572||168,433|271,395<br>1,037,572||373,246<br>886,977|
|Incon2epom<br>other trading||||||||
|activities:||||||||
|Trading<br>subsidiary||||||||
|Other non charitable||||||||
|trad!ng<br>Fund raising activities||12,159|||12,159||40,269<br>172|
|Investment<br>income|3|20|||20||47|
|Total income and<br>endowments||1<br>160||168+33|~368.593||1324.199|
|Expenditure||||||||
|Expenditure<br>on raising||||||||
|funds||||||||
|Trading subsidiary||||||||
|Other non charitable||||||||
|trading|7|13478<br>13,4'/8|||13,478<br>13,478||13,344<br>13,344|
|Expenditure<br>on charitable<br>activities|8|1,162,533||168,498|14331,031||1,210,605|
|Total expenditure||1,176,011||165498|136S515||~3323 49|
|Net income/(expenditure)||24,149||(65)|24,084||100,250|
|Transfers between funds:||||||||
|Net movement<br>in funds for<br>the year||24,149||(65)|24,084||100,250|
|Reconciliation<br>offunds||||||||
|Total Funds brought<br>forward<br>at 1 April 2021||241,617||4,097|245,714||145,464|
|Total Funds carried forward <br>March 2022|at31|265766||4,632|2469,798||245714|





## 

## 

|BALANCE SHE|ET|S AS AT31MARC|H 2022||||||
|---|---|---|---|---|---|---|---|---|
|||||||Churl|||
|||||2022|2021|2022|||
|||||8|8||||
|Fixed Assets|||||||||
|Investments|||2|||1||1|
|Tangible assets|||14|15,680|21,810|15,680||21,810|
|||Total Fixed Assets||15,680|21,810|15,681||21,811|
|Current<br>Assets|||||||||
|Stocks|||15|4,134|6,791|4,134||6,791|
|Debtors|||16|165,703|139,145|166,170|147,326||
|Cash on short tenn deposit|||||||||
|Cash at bank and in|hand|||142735|141031|142268|132850||
||Total Current Assets|||312,572|286,967|312,572|286,967||
|Liabilities|||||||||
|Creditors falling due|within one year||17|56,634|51,921|56634||51 921|
|Net Current Assets||||255,938|235,046|255,938|235,046||
|Total assets less current liabilities||||271,618|256,856|271,619|256,857||
|Creditors: falling due||after more|18|1,820|11,142|1,820||11,142|
|than one year|||||||||
|Net Assets||||269,798245714||269799|245715||
|The funds ofthe charity:|||||||||
|Umestricted<br>income|funds||20|265,766|241,617|265,767|241,618||
|Designated<br>funds|||19||||||
|Restricted income funds|||19|4,032|4,097|4,032||4,097|
|Total charity funds||||269798|245,714|269799|2|715|



## 



## 

## 

## 

||||Note|2022|2021|
|---|---|---|---|---|---|
|Cash used in operating<br>activities|||21|4,906|57 08|
|Cash flows from investing|activities|||||
|luteresi income||||20|47|
|Purchase oftangible fixed assets|||14|(3322)|(8,283)|
|Cash provided<br>hy (used in) investing||||||
|activities||||3 02|823|
|Cash flows from financing|activities|||||
|Increase (decrease) in cash|and cash|||||
|equivalents<br>in the year||||1,704|49,172|
|Cash aud cash equivalents|at the|||||
|beginning ofthe year||||141,031|91,859|
|Total cash and cash equivalents||at||||
|the end ofthe year||||142735|141031|





## 

## 

## 

## 

## 

## 

## 

## 

## 

## 



## 

## 

## 

|Depreciation||
|---|---|
|Depreciation<br>is provided|at the following rates to write offall tangible assets over their useful lives.|
|Computer<br>hardware<br>Computer<br>software<br>Office equipment<br>Other equipment<br>Leasehold|25% StraightLine<br>33%StraightLine,<br>10%StraightLiue<br>25% Straight Line<br>Duratiou ofLease|
|improvements||



## 

## 

## 

## 



## 

## 

## 

## 

## 

## 

## 

## 



## 

## 

## 

|||||2022|2021|
|---|---|---|---|---|---|
|Profit and loss account:||||||
|Turnover||||||
|Salaries, National Insurance|and peusion|||||
|Travel and subsistence||||||
|Stafftraining<br>and recruitment||||||
|Rent, cleaning<br>and utilities||||||
|Telephone,<br>postage, stationery||and IT||||
|Repairs, renewals<br>and insurance||||||
|Depreciation||||||
|Miscel1aneous||||||
|Publicity||||||
|Audit Fees||||||
|Operating<br>profit||||||
|Gifi Aid paid to Age UK Bedfordshire|||Ltd|||
|Profit / Loss for the year||||||
|Profit and loss account brought||forward||||
|Profit and loss account carried||forward||||
|Balance Sheet||||||
|Current assets:||||||
|Debtors||||||
|Cash at bank and in hand||||467|8,181|
|Current Liabilities:||||||
|Intercompany<br>account||||466)|(8,180)|
|Represented by:||||||
|Share capital||||||
|Profit and loss account||||||





## 

|Income from donations and legacies:|Income from donations and legacies:||||Unrestricted|Restricted|Total|Total|
|---|---|---|---|---|---|---|---|---|
||||||Funds|Funds|2022|2021|
|||||||||8|
|Donations<br>Legacies|||||6,467<br>40 980||6,467<br>40980|16,357<br>~7131|
||||||47,447||47,447|23,488|
|Other non charitable trading income:|||||||||
||||||Funds|Funds|2022|2021|
||||||||8|8|
|Other income|||||12,159||12,159|40,269|
||||||rr 159||12,159|40,269|
|Grants fram government<br>or public|||||Unrestricted|Restricted|Total|Total|
|authorities<br>and other grants received:|||||Funds|Funds|2022|2021|
||||||||8|8|
|Bedford Borough Council Social Services||||||14,355|14,355|14,352|
|Central Bedfordshire<br>Social Services||||||29,785|29,785|29,785|
|Age UKEon Infonuation<br>and Advice Project||||||||15,252|
|Age UK Handyperson<br>Pmject||||||11,389|11,389|8,816|
|Central Bedfordshire<br>Council TFN||||||8,500|8,500|8,500|
|Bedford Borough Council - TFN||||||8,000|8,000|8,000|
|Henry Smith Charity||||||||25,500|
|Age UK Covid Appeal Funding||||||||32,398|
|Armed Forces Covenant Fund||||||||19,218|
|The Clothworkers'<br>Foundation - Equipment|||Grant|||||5,000|
|Bedfordshire Police||||||||25,000|
|Bedfordshire<br>and Luton Community|Trust|||||||7,000|
|Lottery COVID-19 Response||||||||10,000|
|Groundwork<br>UK - Tesco||||||||500|
|HMRC Coronavirus<br>Job Retention|Scheme|||||4,779|4,779|81,372|
|Age UKEmergency Appeal Funding||||||||32,055|
|Bedford Borough Council COVID|Grants||||3,162||3,162|20,098|
|Bedford Borough Council Infection|Control||Grant||12,000||12,000|3,000|
|Central Bedfordshire<br>Infection Coauol Grant|||||54,800||54,800|27,400|
|Bedford Bomugh Council Vaccine|inequalities|||Grant||4,930|4$30||
|Central Bedfonishire<br>Vaccmations|Grant|||||1,800|1,800||
|Central Bedfordshire<br>British Red Cross||Handover||||17,013|17,013||
|Central Bedfordshire<br>A dt EReduction||||||33,196|33,196||
|The Wixamtree<br>Trust||||||10,000|10,000||
|Groundwork<br>UK One Stop Community||Partnership||||1,000|1,000||
|NHS Link Project||||||22,186|22,186||
|Anglian Water Priority Services Register||||||1,500|1,500||
|Bedford Borough Council - Ageing|Well||||8,000||8,000||
|Bedford Borough Council - Hot Boxes|||||10,000||10,000||
|Central Bedfordshire<br>Council - Hot|Boxes||||10,000||10,000||
|Sainsburys<br>The Neighbourly<br>-Hot|Boxes||||1,000||1,000||
|Age UKWinter Health Grant|||||2,000||2,000||
|Age UKExtretae Weather Grant|||||2,000||2,000||
||||||102,962|168,433|271,395|373,246|





## 

## 

||Resources expended|Resources expended|on|nou|nou|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
||charitable|||||Unrestricted||Designated|Restricted|Total|Total|
||activities:|||||Funds||Funds|Funds|2022|2021|
||Salaries, National|Insurance|||and|||||||
||pension|||||13,478||||13,478|13,344|
||Travel snd subsistence|||||||||||
||Rent, cleaning<br>and utilities|||||||||||
||Food - Sandy lunch club|||||||||||
|||||||13,478||||13,478|13,344|
||Resources expended||on|||||||||
||charitable|||||Unrestricted||Designated|Restricted|Total|Total|
||activities:|||||Funds||Funds|Funds|2022|2021|
|||||||||g||||
||Salaries, National|Insurance|||and|||||||
||pension|||||243,143|||84,067|327310|320,289|
||Welfare services - workers'|||||||||||
||wages|||||639,316|||41,706|681,022|598,161|
||Stafftraining<br>and|recruitment||||9,378|||1,592|10,970|4,811|
||Travel and subsistence|||||79,336|||5,303|84,639|75,644|
||Rent, rates, cleaning and|||utilities||44,371|||18,276|62,647|59,742|
||Telephone,<br>postage, stationery|||||||||||
||and IT|||||39,881|||9,856|49,737|44,968|
||Repairs, renewals|tk insurance||||12445|||3,442|15,687|21,338|
||Depreciation|||||6,026|||2,197|8223|8,823|
||Bad debts|||||4,709|||272|4,981|4,815|
||Miscellaneous|||||18,915|||1,273|20,188|11,950|
||Publicity|||||1,922|||514|?9436|2,050|
||Governance<br>costs|(see note|||9)|63 291||||63,291|58,014|
|||||||1.16253|||168498|1,331,031|1.210.605|
||Analysis ofgovernance|||eostst||||||2022|2021|
|||||||||||g||
||Salaries, National|Insurance|||aud|||||||
||pension|||||||||36,186|38,880|
||Travel and subsistence|||||||||344|175|
||Audit fees and other professional|||||||||||
||charges|||||||||13,609|7,156|
||General ofFice|||||||||10,265|9,226|
||Depreciation|||||||||1,130|1,195|
||Bank charges|||||||||1,374|1,017|
||Subscriptions|||||||||383|365|
||Room hire|||||||||||
|||||||||||63 291|58.014|
|10|Net Incoming Resources|||||||||2022|2021|
||||||||||||g|
||This is stated atter charging:|||||||||||
||Depreciation|||||||||9,352|10,018|
||Auditor's<br>remuneration|||||||||7,416|5,970|
||||||||20|||||





## 

## 

|11|StaffCosts|and Trustees' remuneration|and Trustees' remuneration|2022|2021|
|---|---|---|---|---|---|
||Wages aud|salaries||1,023,775|923,449|
||Employer's|National Insurance||26,848|22/54|
||Pension costs|||7274|24,872|
|||||1,057.097|970675|
||One employee received emoluments||off60,000 or over (2021:Nil)|||
||The average|number ofemployees|was;|2022|2021|
|||||Number|Number|
||Welfare services workers|||110|105|
||Welfare services staff|||||
||Information|and advice||||
||Administration|||||
|||||1'.10|126|
||Full time|||||
||Part Time|||122|121|
|||||130|126|





## 

## 

||Tangible Fixed|||||||
|---|---|---|---|---|---|---|---|
|4|Assets|||||||
|||Leasehold|Computers|Ofgce|Other|||
|||Improvements|&Software|Equipmeot|Equipment||Total|
||Cost|||||||
||At beginning of<br>year<br>Additions|45,588|78,780|32,680<br>588|26,748<br>2,634|7,194|190,990<br>3,222|
||Disposals|||(340)|||(340)|
||At eud ofyear|45 588|78,780|32928|29382|7,194|193072|
||Depreciation<br>At beginning of<br>year<br>Charge for year<br>Disposals|43,043<br>392|70,342<br>3,518|28,914<br>1,171<br>(340)|20,046<br>3,912|6,835<br>359|169,180<br>9,352<br>(340)|
||At end ofyear|43,435|73,860|29,745|23,958|7,194|178,192|
||Net BookValue at|||||||
||end ofyear|2,153|4,920|3,183|5,424||15,680|
||Net Book Value at|||||||
||beginning<br>ofyear|2,545|8,438|3,766|6702|359|21 810|
|15|Stock|||Grau||Charitv||
|||||2022|2021|2022|2021|
|||||||g||
||Christmas<br>cards|||488|478|488|478|
||Postage stamps<br>Keysafes<br>Uniforms|||137<br>735<br>2,694|181<br>2,603<br>3,363|137<br>735<br>2,694|181<br>2,603<br>3,363|
||Aids|||70|97|70|97|
||Personal Alarms|||10|69|10|69|
|||||4 134|6.791|4 134|6 791|
|16|Debtors|||Grou||Cba||
|||||2022|2021|2022|2021|
||||||5|g||
||Trade debtors:|||||136,48||
||welfare services|||136,484|117,506|4|117,506|
||Prepayments<br>and<br>accrued income|||29219|21 639|29,686|29820|
|||||||166,17||
|||||165,703|139,145|0|147,326|





## 

## 

|17|Creditors - Amounts|falling due|Group||Chari||
|---|---|---|---|---|---|---|
||within one year||2022|2021|2022|2021|
|||||||0|
||Accruals||9,600|13,732|9,600|13,732|
||Other taxation and Social Security||12,014|6,622|12,014|6,622|
||Other creditors||35,020|31,567|35,1126|31 567|
||||56634|51.921|56634|51921|
|18|Creditors - Amounts|falling due atter|Group||Cbari||
||more than one year||2022|2021|2022|2021|
||Pension deficit||1.829|11 142|1,820|11,142|





## 

## 

## 

|funds was as follo|w|s:-|||||||||
|---|---|---|---|---|---|---|---|---|---|---|
||||||||||At||
|||||||At 1.4.21|incoming|Outgoing|31,3,22||
|People Fund||||||2,006|||2,006||
|Advice services|||||||91,984|(91,984)|||
|Welfare services|||||||76,449|(76,449)|||
|Warmer/Healthy||Homes|Hardship||Fund|1,824||(65)|1,759||
|Fund for Disadvantaged||||||267|||267||
|Total Restricted||Funds||||4,097|168433|~168,498|4,032||
||||||||||At||
|||||||At 1.4.20|Incoming|Outgoing|31.321||
|||||||g|||g||
|People Fund||||||2,006|||2,006||
|Advice services|||||||220,394|(220,394)|||
|Welfare services|||||||70,299|(70,299)|||
|Wanner/Healthy||Homes|Hardship||Fund|2,200||(376)|1,824||
|Fund for Disadvantaged||||||267|||267||
|Total Restricted||Funds||||4473|290,693|7291,11697|4097||
|Designated<br>Funds|||||||||||
|||||||||||At|
|||||||At 1.4.21<br>f|Incoming<br>g|Outgoing|Transfers|313.22|
|Pension Fund|||||||||||
|Age UK Buckinghamshire||||Acquisition|||||||
|Total Designated||Funds|||||||||
|||||||||||At|
|||||||At 1.4.20|Incoming|Outgoing|Transfers|31.3.21|
|||||||g|g||||
|Pension Fund||||||10,000||(10,000)|||
|Age UK Buckinghamshire<br>Total Designated<br>Funds||||Acquisition||10,000||~30 000|||
|Unrestricted<br>Funds - Group|||||||||||
|||||||||||At|
|||||||At 1.4.21|Incoming|Outgoing|Transfers|312.22|
|||||||g|||||
|Accumulated|Trust Fund|||||241,617|1,200,160|(1,176,011)||265,766|
|Ncn-charitable|trading||fund||||||||
|||||||241 617|1,200, 160|~1.776,011||~265 766|
|||||||||||At|
|||||||At 1.4.20|Incoming|Outgoing|Transfers|31,3.21|
||||||||g||||
|Accumulated|Trust Fund|||||130,991|1,033,506|(922,880)||241,617|
|Non-charitable||trading|fund|||130991|1 D33.9D6|~922,000||241,617|





## 

||Unrestricted<br>Fun|ds - Charity|||||||
|---|---|---|---|---|---|---|---|---|
|||||||||At|
||||At 14t.21|Incoming||Outgoing|Transfers|31.3.22|
||||||f.||||
||Accumulated|Trust Fund|241,618|1,200,160||(1,176,011)||265,767|
||||241 618|1,20D|160|~))76011)||265,767|
|||||||||At|
||||At 1.4.20|Incoming||Outgoing|Transfers|31.3.21|
||||||8||||
||Accumulated|Trust Fund|130,992|1,033,506||(922,880)||241,618|
||||130,992|1,033,306||~922,080)||241,618|
|20|Analysis ofNet Assets Between Funds||||||||
|||||||2022|||
||||Unrestricted|||Designated|Restricted|Total|
|||||Funds||Funds|Funds||
||||||||8||
||Tangible Fixed Assets|||15,680||||15,680|
||Net Current Assets<br>Creditors ofmore than one year||251,906<br>~)820)||||4,032|255,938<br>~),820|
|||||265,766|||4032|269,798|
|||||||2021|||
||||Unrestricted|||Designated|Restricted|Total|
|||||Funds||Funds|Funds||
|||||g|||||
||Tangible Fixed Assets|||21,810||||21,810|
||Net Current Assets<br>Creditors ofmore than one year||230,949<br>~))142||||4,097|235,046<br>~)) 142|
|||||241,617|||4,097|245,714|
|21|Reconciliation|ofnet movement|in funds tonet|cash flow from||operating<br>activities|||



|||2022|2021|
|---|---|---|---|
|Net movement<br>in funds||24,084|100,250|
|Add back depreciation<br>charge||9,352|10,018|
|Add back loss on disposal||||
|Deduct interest income shown in||||
|investing<br>activties||(20)|(47)|
|Decrease (increase) in stock||2,657|(2,265)|
|Decrease (increase) in deb'ters<br>Increase (decrease) in creditors||(26,558)<br>~44,609|(17,999)<br>~32,349)|
|Net cash used in operating<br>actvities||4,906|57,408|
||25|||





## 

## 

||Annual|Annual|||Years|Year 1||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|||commitment|||left|2022|Yrs 2to5||Year 5+|||
|||||f.|g|||||||
|Photocopier|||1,181||2.00|1,181|1181|||||
|Franking machine|||1,493||1.00|1,493||||||
|Properly|||53,063||2.00|53,063|54,688|||||
|||||||55737|55,869|||||
|CONSOLIDATED STATEMENT|||OF|FINANCIAL ACTIVITIES (including||||Consolidated||Income|and|
|Expenditure<br>Account) FORTHE YEARENDED||||||31MARCH|2021|||||
||||||||||||Total|
||||||Unrestricted||Designated||Restricted||Funds|
|||||||Funds|Funds||Funds||2020|
|Income and Endowments||||||||||||
|Donations<br>and legacies||||||23,488|||||23,488|
|Incontepam<br>charitable<br>acttvtttatt||||||||||||
|Grants from public authorities<br>grants<br>Welfare services||and other||||82,553<br>886,977|||290,693||373,246<br>886,977|
|IncomePom<br>other trading activities:||||||||||||
|Other uon charitable<br>trading<br>Fund raising activities||||||40,269<br>172|||||40,269<br>172|
|Investment<br>income||||||47|||||47|
|Total income and endowments||||||1,033|||2900693||1,324,199|
|Expenditure||||||||||||
|Expenditure<br>on raising funds<br>Other non charitable<br>trading||||||13344|||||13,344|
|||||||13,344|||||13,344|
|Expenditure<br>on charitable|activities|||||909,536|10,000||291,069||1,210,605|
|Total expenditure||||||92211011|10000||291069||1,223,949|
|Net income/(expenditure)||||||110,626|||(376)||100,250|
|Transfers between<br>funds||||||||||||
|Net movement<br>in funds for the year||||||110,626|(10,000)||(376)||100/50|
|Reconciliation<br>offunds||||||||||||
|Total Funds brought<br>forward||at 1 April||2020||130,991|10,000||4,473||145,464|
|Total Funds carried forward at31March||||||||||||
|2021||||||241612|||4,097||245,714|



##