Bedfordshire
ageuK
Trllstees, Annual Re
ort and Consolidated Financial Statements
Year Ended 31 March 2024
Company Registrdtion Number- 4160627
(A Company Limited by Guardntee}
Registered Charity NumbeT- 1090535

AGE UK BEDFORDSHIRE
TRUSTEES ANNUAL REPORT AND CONSOLIDATED FINANCIAL
STATEIVIENTS FOR THE YEAR ENDED 31 MARCH 2024
CONTENTS
Introduction and Chairman's Report
Report of the Trustees
Report of the Independent Auditors
9-11
Consolidated Statement of Financial Activities
12
Consolidated and Parent Charity Balance Sheets
13
Consolidated Statement of Cash Flows
14
Notes to the Financial Statement
15-28

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
Introduction
The Trustees present their report together with the consolidated financial 5tat¢ments of the charity and its
subsidiary for the year ended 31 si March 2024. The financial stalements have been prepared in accordance with
the accounting policies set out on pages 18 to 20.
They have been prepared according to the rules contained in the Companies Act 2006 which relate to small
organisalions and the provisions of the Statement of Recommended Practice (SORP)."AGcounting and Reporting
by Charities" (FRS 102) issued in 2015 in preparing the annual report and financial statements of the Charity.
Chairman's Report
As we reach the end of another year of providing services to elderly people in Bedfordshire, it gives us time to
reflect on the achievements of the last year and measure outcomes against our identified Purpose and Objectives
articulated on page 2 of this document.
We have compleled anoiher sound year of activities. We have continued to provide a range of high quality welfare
& support services to our elient group. the volume of provision has continued to increase with excellent feedback
from clients being reported.
To maintain such a service in a highly competitive market requires constant diligence to attract adequale resources
and then skilful management of human resources. commodities. and the scope of the daily activities, all of which
have been achieved by our CEO. Deputy CEO and their team of employees and volunteers to maximise outcomes
to our client group. Funding has successfully been secured from a Cross section of contracts with the statutory
sector plus a mix of other sources to ensure ongoing financial viability is not reliant on limited funding streams.
The standards of servic¢ provlsion achieved, with proactive leadership and sound management have continued to
be confinned by eKtemal scrutiny.
The Truslees have met regularly with our CEO & Deputy ￿0. Meetings have used a mixed mode forniat
utilising a mix of face to face and IT to good effect- this approach enabled our CEO who was working from home
for part of her time due to a health problem lo be fully involved in the discus5ion5 and decisions made and to
maximise expertise and resources. Discussions were always rnbusL constructive, and productive, demonstrating
an understanding that whilsi our roles and responsibilities are specific, they are inter-related, and to ensure safe
high-quality outcome5 for our client group we must work in partnership as a team to successfully bring all the
strands together- this we have achieved.
My thanks to our CEO. Deputy CEO. and my fellow trustees for their support during this my second year as the
Chair of Trustees and to the team of employees and volunteers who always demonstrate high professional
Standards &8 the public face of the organisation.
Rita Beaumonl
Chaiman
20-12-2024

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
Purposes and Activities
Public Benefit Statement
We hav¢ referred io the guidance contained in the Charity Commission's generdl guidance on public benefil when
setling and reviewing our aims and objectives and in the planntng of future activitie5. In particular. the Board of
Trustees considers how the planned future activities will contribute to the aims and obj￿tIveS set.
The object of the charity according to our Memordndum and Articles of Association is-
To promote the relief of older people in any manner which now or hereafter may be deemed by law to be charitable
in and around Bedfordshire (hereinafter called "the area of benefit").
Our mission statement, which is the ethos of the OTganFsation. is -
To promole ihe well-being ofall olderpeople in Beiwordshire and help n￿ke laler life afvlfilling and enjoyable
experience.
Th¢ charity h&8 four main strategies sei by the Board of Trustees, which help to achieve the overall objective, and
they are-
To enable all older people to have choices about their ITfestyle.
To provide and influence provision of services to older people by rnising the awareness of policy makers
to their needs and wishe5.
To seek to ensure all older people can access services from Age UK Bedfordshire, and other suitable
organisations. according to iheir need.
To improve ac¢¢s5 to 5¢rvices for disadvantaged older pwple and provide service5 which meet their
needs.
These aims are used to fomi the objedives for the year and the strategies for a¢hieving those objectives remain
as follows..
Enabling older People to Acce55 Servic£¥
We provide independent objective advice to empower older people to rnake their own decision5 thereby giving
thetn the independence and dignity to make their own choices about how and where they wish to live their later
years. Through our Information, Advi¢e Supwrt Service, we help older people by delivering assistsnce. advice
and information in their own homes. by appointsnenl in our offices or giving them thi5 help and support via the
telephone. Our fully trained team of Advisor5 and Support Workers all have a Dis¢losure and Barring Service
Certificate (commonly known as a Police Check or a DBS). They work on a one-tfrone basis with each clienl to
assess need and ihen provide the necessary inforniation, advTce or support. The service is funded in part by both
Central Bedfordshire Council and Bedford Borough Council. The largest proportion of our income to support this
"free to our service users" is funded by Eenerous donations frorn members of the public and service users. together
with our own fundraising activities.
Issues we deal with are wide rdnging and include. benefits claims, money matters. health and wellbeing, care
servi¢¢5, housing and of course leisure and social activities which are available through both Local Authoritie5
and other Charitable Organisations. If an older person or a concerned friend or relative comes to us for help. if we
know thai il is outside our sphere of expertise. we will certainly know who can help. We undertake completion
of benefit and various other fonns on behalf of our service users to enable older people gain the benefits they are
entitled 10. This year. we were successful in bringing Anto the County £2.193.920 in benefits paid to over 600
people who sought our help. Plus. very many successful Blue Badges applications were made. These financial
entitlements (and that is whal they are) are not charity, these are what our ¢lienls were entitled to and either did
not know of or found it dI￿lcult to complete the forms. someof which are 30 pages long. In most cases the money

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
paid out is in excess of £70 pw and in the case of Pension Credit successful applications open the door to many
other benefits. including free dental care and the Winter Fuel Allowance.
Provide and influence
As the largest older people's charitable organisation in Bedfordshire, we enjoy a very good relationship with both
Central Bedfordshire Council and Bedford Borough Council.
We understand that local authorities are struggling to make ends meet. lh¢ same Is the rest of u5. However, we
also understand that older people need a champion who speaks up for them.
As part of our four main strategies, we aim lo bring issues that may exclude older people to the attention of the
two Local Authorities in Bedfordshire. In a money saving exer¢ise many frirnls which older people need to
complete are now only betng sent out by email. Very many older people either do not have access to email, or if
they do, do not have a printer. Obviously. the use of email is quick. efficient and excludes the postage costs soon
lo be increased to £1.65 for a basic 1st cla55 51amp. Therefore we appreciate the need io use email at every
possible opportunity. However, not at the Cost of excluding people from being able to make benefit claim5 or
Blue Badge applications. Therefore, after dtscussing thi5 vitsl issue with both Local Authorities, they have
agreed to post fornis lo clients who do not have access io email and in some cases regarding Blue Badge
Applications, the Authority will lalk the Client through the completion of the application fom over the
telephone. But it is also right a majority of older people do not own a device that will receive an email or if they
do. they don't own a printer.
We also speak io utility providers (gas. water and electricity) on behalf of older people. We speak to very many
uiilily providers on behalf of clients who may be have concerns about costs or aged debt. We can not only negotiate
with providers to find the lowest tariff. we can help you switch providers. Reducing and helping people to save
money on th¢ir utiliti¢S 15 a large but very Important part of the work we do.
Our Telephone Friendship Service is Ix)oming. We speak to many older people each week who are lonely. Thi5
service is in part supported by both Bedford and Central Bedfordshire Councils.
Oiher servic￿ WÉ Provide
We undertake to provide a rdnge of our own practical services and these include Home Help, Handyperson,
Garden Maintenance and Carers. Respite Service. These se￿]CeS are designed to give older people the opportunity
to stay living safely in their own homes by provision of housework. shopping. accompanied outings, small DIY
type tasks such as putting up shelves and general maintenance plus general gardening maintenance, to ensure that
older people have a safe and healthy environment to live in. These services provide a lifelin¢ to many older people
and provide peace of mind to families who rnay live long dlstances away. All of our fully trained employees have
been referenced checked and also Police Checked (DBS). We carry out these checks on a regular basis throughout
the length of service of each employee, many of whom have been with us for well over 10 year5. These team
members nol only Cut the gr&%$ or polish your furniture, they provide a Smiling face. a cheery conversation and
perhaps most importantly they keep a caring eye on their clients. If ihey have doubts about general health and
welfare, with the client's pe￿i5$10n they will talk to their team leader who in tum will speak lo their Manager.
Occasionally, immediate action is required, however. usually a colleague will make an appointment to visit and
talk through the issues and help find suitable solutions.
Through regular feedback from both our Infornation. Advice & Supp)rt Service and our Practtcal Services, we
are able to &scertain the issues ihat many older people face in today's society. These issues are then assessed as to
wheiher we Can develop further services ourselves, or whether we represent the voice of those older people at
forums such as Partnership Boards in the Local Authority areas and NHS forums across Bedfordshire. We are the
voice of our older people and bring that voice to influence future services.
Equality'for all
We work to ensure all older people are given the right to receive both the financial and pra¢ti¢al help to which
they are ¢nlitled and thrther to ensure they receive the care that they wish and have a right to receive. The criteria

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
we set for our beneficiaries at the moment is that they are over 50 years of age and that they reside within the
ounty of Bedfordshire. In this way, we endeavour to have services that meet the needs of as wide a community
as possible, however in late 2024 we are lowering the age that people can enjoy the practical service we provide.
This will be known as the 40+ service.
Measure of our Success
Various monitoring and feedback processes undertaken throughout the year evaluate ihe succes5 of the charity.
The processes identify that - Ihe charity increases its intervention5 year on year with older people. the feedback
from clients remains at 990/0 POSltive' the staff mordle is good or very good. more older people and groups learn
of our services and can access them. we remain an important part of the overall Healih and Social Care system
for older people ihroughout Bedfordshire by representing them at various forums. we are financially viable. More
in depth delails of achi¢v¢m¢nt towards the successful operation of the charity are noted under the Achievements
and Perforniance section.
Our Volunteer5
Age UK Bedfordshire relies heavily on the contrrbution of its 20+ volunteers. These volunteer5 work within the
organisation kn a range of different roles and are supported by the respective managers. Our volunteers work
within the Information and Advice Service undertaking training and thereafter advising clients and completing
home visits to &8sist clienls with a wide range of welfare benefii fonns. Other volunteers work within our
Administration team assisting with the compilalion of dat4 outcomes, general administration tasks and back office
functions. Over the last year, our volunteers have contributed 2,520 hours to the organisation. This equates to a
potential cost saving of employed staff of £31,928. This help is invaluable and makes a substantial contribution
to the organisalion to continue providing so many essential non-chargeable services.
Achievements and Performance
The latter part of this financial year was very difficult for Age UK Bedfordshire. We lost our amazing Chief
Officer, Karen Peny to cancer. But Karen was a fighter. she continued to fight for the older people of our County
through her 17 year bartle with the disease thal affects so many individuals and families. However, we have an
amazing team of people, led by our fabulous Chair of the Board of Trnstees, Rita, we all rallied together and have
helped a record number of older people, bringing in another record high amount of benefit income.
Organised Bedford Borough Coun¢il'5 Ageing Well Event wilh over 40 exhibitors and close to 500 older
people discovering the wealth of aid that is available forni Charitable Organi5alions and Statutory
Services. Plu5. Age UK Bedfordshire's free legal advice clinic supported by Tollers Solicitors.
Carried out 652 hours of home visits throughout Bedfordshire.
Continued our contracts with Bedford Borough Council (BBC) and Central Bedfordshire Council (CBC)
to help 5UPPOrt Inforn]ation, Advice and Support Services and the Telephone Friendship Serviced.
Distributed over 450 emergency hot boxeslfood packages across the county with support from Bedford
Borough and Cenlral Bedfordshire Council.
Supported the Age UK National campaigns for Social Care. Keep wann in Winter and the Big Knit.
Once again delivered Gift boxes at Christmas with support from the Dioceses of St Albans to 100 people.
Worked with both loe81 authorities and BLMK Health and Care Partnership in encouraging the take of
COVID 19 and Flu vaccines.
Clieni Interyenlions
In respect of our ongoin£ services. the following levels have been achieved: _
Tothl Number of New Client Cases for InfomiationlAdvice Support- 1.852
Number of Information and Advice complex ongoing c&ses - 417
Nutnber of Inforn)alion and Advice client open cases - 438
Attendance Allowance and other benefits procured for our clients over the year.. £2,193.820
Welfare Services client hours: 69,014

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
Financial Review
In order to provide services for the Statutory Authorities in OUT area we seek to agree se￿iCe Level Agreements
on an annual b&£is. This year the total value is £65.898. just a little higher than the previous year at £6J.129.
Last year we benefitted from a Groundwork UK Tesco 'Golden Grant and local authority grants related to
infection control, such as the Outbreak Management granL Neither of these grants were repeated this year. Also.
the NHS Link Project funding ended.
The total income for (he year from all Local Authorities, Trusts. and other grants was £194,393. This is an
increase from £165.584 received in the previou5 year. mainly due to an Age UK C05t of Living Response grant.
The current year also benefitted frotn the Age UK Dementia Projecl grdnl.
Our wholly owned Trading subsidiary is no longer trading and thus produced no income.
The majority of ihe Charity's income is derived from service charges relating to our Welfare Services, such as
Home Help, Handy Person and Gardening. This year we received £1,613,082 compared to £1,259.105 last year.
this is an increase of £353,977 which was an exceptional result.
Overall. the total annual income is £1.830.900 which is a very good increase on the £1.467,150 received in the
previous year.
The principal risk and uncertainty of any Charity is obtaining Secure and regular income to fund its services. In
order to maintain and extend our income sources we continue to seek alternative funding sources so that we can
continue providing our free service and support lo older people in conjunction with our Welfare Services. We
also aciively advertise our services in the local press and surrounding area5 in an effort to increase awareness.
Overall, the Charity ended with a surplus of £121.587. This represents a significant positive movement on th¢
previous year's deficit of £96,259, assisted by ov¢r 4.000 extra Welfare Services hours and increased pricing, as
well as the Cost of Living Response grani. The Charity continu¢5 to improve its finances and although the
Trustees believe the coming financial year will also be financially cha]lenging, we will endeavor to increase our
income wherever possible.
Investment Powers and Policy
In accordance with our Articles of Association, the Charity h&$ the power to invest in any way the Trustees deem
appropriate. As a resuli. we endeavour where possible to negotiate the receipt of funds for projects in advance of
the work undertaken. Any surplus. which arise5, is placed in the CAF Cash Account at as high a rydte that can be
achieved. Presenily th¢ rdte5 are extremely low, and we do consider the availability of other investment
opportunities in order to bring in increasing returns. Any investments we do make presently and in the future are
placed in accordance with the rules of the Financial Conduct Authority.
Reserves Policy and Going Concern
Reserves ￿e needed to tempordrily fund any timing gaps between the receipt and spending of income, and to ￿nd
future proje¢ts. Obviously, the more reserves the more mowers we can buy and the more people we can help keep
their gardens neat. This has a subslantial effect on some older people's Health and Wellbeing, of course. We also
desperately need more trained Community Support Officers. Our CSO'S spend their whole time in the community
working with the most vulnerable older people. £IOO.000 would guarantee an addilional CSO for 3 years. Risk
analysis and the Charity Commission guidelines indicate a need for a level of about 6 months estimated running
costs. Whilst this is not always achievable, there is a regular review of operaiional risks, and the Trustee5 believe
Ihai our aim is to attain and ihen improvc on this level whilst maintaining our present financial controls.

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
The Charity has adequate reserves of £295.127. which includes cash in the bank and in hand of £73.826. Of the
year-end reserves total, £291.160 represents unrestricted funds. there were no designated funds and £3,967
represents restricted funds. The charity also has over 500 regular clients for our Practical Services which includes
Home Help and Gardening. We aim to introduce two new changes to the way in which we deliver our chargeable
services and have already had preliminary discussions with the lo￿1 authorities. Although the coming financial
year will also be challenging (no change there for the third sector), Age UK Bedfordshire is, as alway5. confidenl
of continuing to provide the vital services to our older and much loved Tesidents.
Plans for the Future
Move our Welfare Services (WS) to a new platforni giving efficiencies of service.
Continue to work with statutory partners to alleviate Winter Pr¢ssures. thereby enabling people to be safe
and well.
Lower the age that people can benefit from our services lo 40 years.
Seek lo provide a suslainable service to recently bereaved and older people living alone in order to reduce
the pre55ure on Social Services and the NHS.
Work with colleagues on ihe Participating Care Agenda.
Work with National Health Service (NHS) and Local Authority (LA). to ensure older people are helped
through cutyent cost of living crt5is. To ensure older people can "Heat & Eat"
Ensure we remain vigilant in processes and procedures to maintain Health & Safety {H&S) in respect of
COVID.
Reference and Administrative Details
Registered Office
78-82 Bromham Road, Bedford. MK40 2QH
Tel.. 01234 360510
Company Registration Number 04160627
Charity Registration Number 1090535
Directors
The director5 of the charitable company (the charity) are its Trustees forthe purpose of charity law and throughout
this report are collectively referred io as the Trustees.
Rita Beaumont - Chairnian
Wendy Davis
Martin Fardell - Appointed November 2023
Anne Powis - Resigned September 2023
Sally Searle- Treasurer Resigned March 2024
The following trustee was appointed after the year end
Steven Perry - Appointed April 2024
Chief Executive Officer and Company Secret4ry
Karen Jane Perry- Deceased March 2024
Deputy Chief Executive Officer
Stev¢n Perry
Auditors
Hawsons Chartered Accountants.
Jubilee House, 32 Duncan Close. Moulton Park, Northampton. NN3 6WL

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
Bankers
CAF Bank Limited Kings Hill, West Malling, Kent, ME19 4TA
Solicitors
Tollers Solicitors. 312-314 Silbury Boulevard, Milton Keynes, MK9 2AE
Structure GoverDance and Mana
ement
Governing Document
Age UK Bedfordshire is a company limited by guarantee governed by its Memorandum and Articles of
Association, regi51ered on 15 February 2001. and updated in accordance with legislation changes in April 2009.
It is a registered charity wilh the Charity Commtssion. Anyone over the age of18 who is interested in furthering
the work of the charity may become a member. The Trustees however have the right to re￿se any application for
membership withoul giving any reason.
Appointment of Trustees
As sel out in the Articles of Association. the chair of the Tn￿leeS is norninated by the membership al the AGM,
as are the oiher Trustee5. The Board of Tnjstees consists of the chair plus six other Trustees. There is provision
for two co-opted Trustee5.
New Trustees are appointed when a vacancy arises in line with the Memorandum and Articles of Assoctation and
the organisation's Trustee Policy. When considering Trustees. the nomlal course of events would be to meet with
the CEO and then the Tru5tee5 prior to any forn]al election to ensure th¢ balance of skills required on the Board
are managed.
Trustee Induetion and Training
Potential new Trustees meet with the CEO and receive infornation on the charity, its services and funding. They
are given copies of newsletters, Annual Reviews and relevant documentation such a5 the Memorandum and
Articles of Association and the Busine55 Plan. They then attend several Board meetings as an observer and are
encouraged to visil the offi¢¢s and mttt oiher staff.
Organisation
The Board of Trustees administers the charity. The Board meets approximately every 8 weeks and sub committee5
are formed when the need arises. A Chief Executive Officer is appointed by the Trustees to manage the charity
and has delegated authority approved by the Trustees for operdtional matters. A Deputy Chief Executive Officer
is appointed 10 assist the Chief Executive Officer in development and management of the ehartty.
Related Parties and Co-operAtion with other Org41115¥tions
The charities wholly owned subsidiary. Age UK Bedford5hire Trnding Limitrf is cu￿entlY domiant.
Risk Management
The Trustees have a risk management strategy and process which includes:
Regular reviews of the Business Plan to identify any potential risks facing the charity.
Ensuring established systems and processes are in place lo minimise any potential risks.
Ensuring policies and procedures are reviewed on a regular basis to minimÉse risk.
The above has ideniified few risks and the ongoing introdudion of relevant policies and procedures h&s ensured
that risk management 15 proactive.

AGE UK BEDFORDSHIRE
Report of the Trustees for the year ending 31 March 2024
Pay Policy for Senior Staff
The Trustees employ a Chief Executive. a Deputy Chief Executive and a Senior Management Team. The Chief
Executive has overall management of the day-io-day operation of the organisation, bul the rest of the team
supports her. The pay of all staff including the above is revieived annually but not automatically increased in
accordance with average eamings.
Tru5tees' responsibilities in relation to the finaneial statements
The trustees (who are also directors of the charity for the putP05cs of Company law) are responsible for preparing
the Trustees, Annual Report and the financial statements in accordance with applicable law and United Kingdom
Accounting Standards (United Kingdom Generally Accepted Accounting Practice).
Company law requires the truslee5 to prepare financial statements for each financial year, which give a true and
fair view of the slate of affairs of the charitable company and of the incoming resources and application of
resources, including the income and expenditure, of the charitsble company for that period. In preparing these
financial statements. the truste¢5 are required to:
select suitable accounting policies and then apply them consistently.
observe the methods and principles in the Charitie5 SORP 2015 (FRS 102).
make judgements and estimates that are rca50nable and prudent.
state whether applicable UK Accounting Standards have been followed, subjeet to any material
departures disclosed and explained in the financial statements.
prepare the financial slatements on the going concem b&sis unles5 it 15 inappropriate to presume that the
charitable company will continue in operation.
The trustees are responsible for keeping adequate accounting records that disclose with reasonable accuracy at
any time the financial position of the charitsble company and enable them to ensure that the financial statements
comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable
company and hence for taking reasonable steps for the prevention and detection of frdud and other i￿¢gUlaritics.
In so far as. the trustees are aware:
there is no relevant audit inforniation of which the charitsble company's auditor is unaware. and
The trustees have taken all step5 thai they ought to have taken to make themselves aware of any relevant
audit infomiation and to estsblish that the auditor is aware of that infomiation.
Auditors
A resolution that Me55r5. Hawsons. Chartered Accountant be re-app)inted auditors of the Charity will be placed
before the Annual General Meeting.
The Trustees approved this on
20-12-2024
and il is signed on their behalf by..
Rita Beaumont- Chairnian

AGE UK BEDFORDSHIRE - Independent Auditor's Report
Independent Auditor'5 Report to the Members and Truslees of Age UK Bedfordshire
Opinion
We have audited the financial statements of Age UK Bcdfordshire (the 'parent Charitsble company.) for the year
ended 31 March 2024, which comprise the Statement of Financial Activities, Balance Sheets (consolidated and
individual charitable company), Statement of Cash Flows and noles to the financial statements. including
significant accounting policies. The financial reporting framework that h&$ been applied in their preparation is
applicable law and United Kingdom A¢¢ounting Standards, including Financial Reporting Standard 102 Tlie
Finaneial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted
Accounting Practice).
In our opiThion the financial 5tatements=
give a true and fair view of the state of the charitsble company's affairs a5 at 31 March 2024. and of the
group'5 incoming resources and applieation of resources, including its income and expenditure, for the
year ihen ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting
Practice- and
have been prepared in accordar)¢e with the requirements of the Companies Act 2006.
Basis for opinion
We conducted our audit in accordance with International Standards on Auditing (UK) (ISAS (UK)) and applicable
laiv. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit
of the financial 5tatemenis section of our report. We are independent of the charit&ble compamy in accordance with
the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC's
Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirement5.
We believe thal the audit evidence we have obtained is sufficient and appropriate to provide a basis for ouropinion.
Conclusion5 relxting to going concern
In auditing the fiTkaneial statements. we have concluded that the trustees, use of the going concern basis of
accounting in the pr¢paration of the financial stat¢rnents is appropriate. Based on the work we have perfonned.
we have not identified any material uncertainties relating to events or conditions thaL individually or collectively,
may cast significant doubt on the charitable company's ability to continue as a going concern for a period of at
lea51 twelve Inonths from when the financial statements are authorised for issue.
Our responsibililies and the responsibilities of the tnjstees with respecl to going ￿nCern are described in the
relevani sections of this report.
Other informxtion
The other infomiaiion comprises the infomalion included in the trnstees. annual report, other than the financial
statements and our auditor's report ihereon. The trustees are responsible for the other infomiation contained within
the annual report. Our opinion on the financial statements does not cover the other infom)ation and, except to the
extent othernyise explicitly stated in our report. we do not express any form of &ssurance conclusion thereon. Our
responsibility is to read the other inforniation and, in doing so, consider whether the other inforniation is materially
in¢onsisl¢nt with the financial statements or ourknowledge obtained in the course of the audit or otherwise appears
to be materially misstated. If we identify such material inconsistencies or apparent material misstalements, we are
required lo deternine ivhether this gives rise to a material misstatement in the fin8neial statements themselves. If.
based on the work we have perfomled. we conclude thal there is a material misstatement of this other information,
we are required to report that fact.
We have noihing to report in thi5 regard.

AGE UK BEDFORDSHIRE - Independent Auditor's Report
Opinions Oll other mAtters prescribed by the CompaDies Act 2006
In our opinion, based on the ivork undertaken in the ¢ourse of the audit..
Ihe infonnation given iTk the trustees, report for ihe financial year for which the financial statements are
prepared is consi5teni with the financial slatements- and
Ihe trustee's report has been prepared in accordance wilh applicable legal requirement5.
Matters on which we are required to report by eiception
In the li.ht of the knoivledge and underslanding of the charitable company and its environment obtained in the
course of the audil, we have not Identified material misstatements in the trnstee's report.
We have nothing to report in respect of ihe following matters in relation to which ihe Companies Act 2006 and
the Charities Act 201 I requires us to report to you if. in our opinion-
adequate and sufficient accounling records have not been kepL or returns adequate for our audit have not
been received from branches not visited by us. or
the parent charitable company's financial statements are not in agreement with the accounting records
and returns. or
ertain disclosures of directors. remunerdtion specified by law are not made" or
we have not received all the inforniation and explanation5 we require for our audit. or
the irustees were not enliiled io prepare the financial statemenl in accordance with the Small companies
r¢giTne and take advantage of the small companies exemption from the requirement to prepare a Strategic
Report.
Responsibilities of trustees
As explained more fully in the trustees. responsibilities ststement set out on pages 10 2nd I l. the tNstees (who
are also the directors of the charitable company for the purposes of company law) are responsible for the
preparation of the financial statements and for being satisfied that they give a true and fair view, and for such
internal control as the trustees deternline is necessary to enable the preparation of fjnancial statements that are
free from material misstatement, whether due to frdud or error.
In preparing the financial statements, the trnstees are responsible for assessing the charitable company's ability to
continue as a going concern. disclosing. as applicable, matters related to going concern and using the going
concern basis of accounting unless the In￿teeS either intend to liquidate the charitable company or to cease
operations, or have no realistic alternative but to do so.
Auditor'5 responsibilities for the audit of the financial statements
Olir objectii'es are to obtain reasonable assurance about whether the financial statements as 2 whole are free from
material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion.
Reasonable assurance is a high level of assurance. but is not a guarantee that an audit conducted in accordance
with ISAS {UK) will always d¢te¢i a material misslatement when it extsts. Misslatements can arise from fraud or
error and are considered material if, individually or in ihe aggregate, they could reasonably be expected to
influence the economi¢ decisions of users taken on the basis of these financial ststements.
Irregularilies, including fraud. are instances of non-cornpliance with laws and regulations. We design procedu￿5
in line with our responsibilities. outlined al)ove, to detect material misstatements in respect of irregularities,
including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is
detailed below..
The charity is subject to laws and regulations that directly and tndirectly affect the financial statements. Based on
our understanding of the charity and the environment it operates within, we determined that the laws and
regiilations that were most significant included FRS 102, Companies Act 2006, Charities SORP, Charities Act
201 I, Health and Safety regulations and employment law. We considered the extent to which non-c¢)mplian¢e
witli iliese laws and regulations might have a material effect on the financial statements, including how fraud
might occur.
io

AGE UK BEDFORDSHIRE - Independent Auditor's Report
We evaluated management's incentives and opportunities for fraudulent manipulation of the finan¢ial statement5
{including the risk of override on conlro15), and determined that the principal risks were related to the posting of
inappropriate accounting entrie5 to improve the charity's results for the period. and management bias in key
accounting estimates. In addition to this. we have also identified the following principal risk areas:
Income recognition- there are two comwnents to this risk. being income completeness and income cul-
off;
Restriction of income and expenditure- there is a risk that restricted income received may be classified
as unrestricted income. This in¢ome can only be used to fvlfil a particular purpose. There is also a risk
that restricted funds May be used for expenditure thai does nol relate to the particular purpose for which
the restricted income was received.
Audit procedures perfomied by the engagement team included:
DisCUS5ions with management and those responsible for legal compliance pro¢edure5 Wlthin the charity
to obtain an understanding of the legal and regulatory framework applicable to the charity and how the
harity complies with that framework. including consideration of known or suspected inslances of TkOn-
compliance wilh laws and regulalions and fraud.
Reviewing minutes of Trustee's meetings-
Identifying and assessing the design effectiveness of controls that management has in place to prevent
and detect fraud and non-cornpliance with laws and regulations-
Identifying Mnd testing journal entries, in particular any journal entries Posted with unusual a¢¢ount
ombinations.
Reviewing the fund allocation of both income and expenditure.
Performing transaction testing and cut-off testing on income.
Because of the inherent limitations of an audit. there is a risk that we will not detect irregularities, including those
leading to a material missiatemenl in the financial statements or non-compliance with regulation. This risk
increases the more thal complianee with laiy or regulation is removed from the events and transactions reflethed
in the financial statements. &$ we will be less likely to be￿me aware of inslances of non-compliance. The risk is
also greater regarding irregularities occurring due to frdud rather than error. as frdud involves intentional
concealment. forgery. collusion. omission or misrepresentation.
A further description of our responslbilities is available on the Financial Reporting Council's web51te at..
https:l/wivw.frc.org.uk. This description fornis part of our auditOT'S reporL
Use of our report
This report 15 made 501ely to the charity'5 t￿ste¢s. ls a body, in accordan¢e wlth Chapter 3 of Part 16 of the
Companies Act 2006. Our audil work has been undertaken so that we might state to the charitable company's
members and its trustees those matters we are required to state to them in an auditor'5 report and for no other
purpose. To the fullest extent permitted by law. Ive do Dot accept or assume responsibility to anyone other than
the charity and the charit> s tnjslees as a body, for our audit work, for this report, or for the opinions we have
fonned.
Will Amos
Senior Statulory Auditor
For and on behalf of Haw50ns Chartered Accountants
Statutory Auditor
Jubilee House
32 Duncan Close
Moulton Park
Northampton
NN3 6WL
20-12-2024
li

AGE UK BEDFORDSHIRE
CONSOLIDATED STATEMENT OF FINANCIAL ACTIVITIES (including Consolidated Income and Expenditure
Account) FOR THE YEAR ENDED 31 MARCH 2024
Total
Funds
2024
Total
Funds
2023
Ullrestricted
Funds
Designated
Funds
Restricted
Funds
Note
Ineome #nd Endowments
Donations and
legacies
Incomefrom charilable
aetivilies..
Grants from public
authorities and other
grants
Welfare services
4,578
4.578
23,786
47.800
1,613.082
146.593
194,393
,613,082
165,584
1,259,105
Incomefrom oiher Irading
aclivilies..
Trading subsidiary
Other non charitable
trading
Fund raising xctivities
Investment inwme
16,375
16,375
18,202
2.472
2,472
473
Total intome #nd
endowments
1,684
146,593
1,830,900
1,467,150
Expenditure
EKpendilure on ra￿l￿g
fvnds
Trading subsidiary
Other non charitable
trading
14,499
(14,499)
13,822
(13,822}
(14,499}
Erpendilzire on charilable
O¢livilies
(1,548,221)
1,562,720
(146,593)
146,593
(1.694,814)
(1,549.587)
1,563,409
Total expenditure
1,709J13
Net ineomel(expenditure}
Transfers between funds:
121.587
121,587
(96,259)
Net movement in funds for
the year
Reconciliation of funds
Total Funds brought forward
at l April 2023
TotAI Funds carried forward at 31
MArch 2024
121587
121,587
(96,259)
169.573
3,967
173,540
269,799
291,160
295,127
173,540
The statement of financial activities includes all gains and losses recognised in the year. All income and
expenditure derive frotn Continuing activities.
12

AGE UK BEDFORDSHIRE
BALANCE SHEETS AS AT 31 MARCH 2024
Gro
Chari
Note
2024
2023
2024
2023
Fixed Assets
Investments
Tangible assets
Total Fixed Assets
14
12,218
12218
13.193
13,193
12.218
12.219
13,193
13,194
Current Assets
Stocks
Debtors
Cash at bank and in hand
Total Current Assets
15
16
25
4,346
313,485
3,777
172.646
101.961
278J84
4,346
313,751
73,560
391.657
3,777
173.006
101.601
278J84
391,657
Liabililies
Creditors falling due within one year
Net Current Assets
17
108.748
282,909
117255
161,129
108,748
282,909
117256
161,128
Total a55ets le55 current lithbilities
295.127
174J22
295.128
174J22
Creditor5: falling due after more
than one year
18
{782)
(782)
Net Assets
295 127
173 540
295,128
173,540
The funds of the charity:
Unrestricted income fijnds
Designated fund5
Restrithed income funds
20
19
19
291.160
169.573
291,161
169,574
3.967
3,967
3.967
3,966
Total charity funds
295,127
173 540
295,128
The financial statements were approved by the tNstees on 20-12-2024
2024 and signed on their behalf by..
Rila Beaumont - Chair
Trustees
The notes on pages 18 to 30 form part of these accounts.
13

AGE UK BEDFORDSHIRE
CONSOLIDATED STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2024
Note
2024
2023
CAsh used in operating activitie5
21
Cash flow5 from investing activities
Interest income
2.472
473
Purchase of tangible fixed assels
14
(5,008)
{4,754)
Cash provided by (used in) investing
activities
2,S36
4,281
(Decrease)lincrease in cash and cash
equivalenis in the year
(28,135)
(40.774)
Cash and cash equivalents at ihe
beginning of Ihe year
101,961
142.735
Total cash and cash equivalents at
the end of the year
73,826
101,961
14

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2024
Accounting Policies
a) Gener#1 information and b¥sis of preparation
Age UK Bedfordshire is a company limited by guardntee incorporaied in the United Kingdom. In the event of the charity
being wound up, the liabilily in respect of the guarantee is limited to £1 per member of the charity. The 3ddres5 of the
registered otTice is given in ihe charity infomation on page 5 of these financial slatements. The nature of the eharity's
operations and principal activitie5 are detailed on pages 2 and 3 ofthese fmancial statements.
The charity constitutes a public benefit enlity as defined by FRS 102. The financial statements have been prepared in
accordance with Accounting and Reporting by Charities.. Statement of Recommended Practice applicable to charities
preparing their accounts in accordance with the Financi￿ Reporting Standard applicable in the UK and Republic of Ireland
(FRS 102) (effective l January 2015) - (Charities SORP {FRS 102)), the Financial Reporting Standard applicable in the UK
and Republic of Ireland (FRS 102) and the Companies Act 2006.
The financial statements have been prepared on a going concern b&sis under the historical cost convention. modified to
include certain items at fair value. The financial statements are presented in sterling which is the functional currency of the
charity. The financial statements have been prepared in order to give a Irue and fair view of ihe charity's financial position.
financial perfomiance and cash flows for the year ended 31 March 2024.
b) Group financial statements
The Group financial slatements comprise the financial statements of Ag¢ UK Bedfordshire and its wholly owned subsidiaryj
Age UK Bedfordshire Trading Limited for the year ended 31 March 2024. The charity's own statement of financial activities
replicates ihai of ihe group as the only subsidiary company is no longer trading.
c) Income
Income represents donations, grants, legacies. trading income and income from service level agreetnents due for the year.
All incoming resources are included within the Statemenl of Financial Activities (SOFA) when the charity is legally entitled
to ihe income and the amount ean be quantified wtih reasonable accuracy. Grants and legacies receivable and local authority
fees are credited to the SOFA in the year for which they a￿ received. All amounts exclude VAT.
d) Trading Income
Trading income consists of non-charitabl¢ incoEne, commission received on sales of insurance, funeral plans. charity
flowers, personal alarnis. subsidiary income and other miscellaneous income. The subsidiary's trading income ceased on
31 March 2018.
e) Expenditure on raising funds
Cost of generating funds comprises costs directly attributsble to attrdcting incoming resources and are recognised on an
accruals basis.
Charitable Activities Expenditure
Charitable activities expenditure represents expenditure ihat is directly incU￿ed in the provision of services and in
achievement of the objectives of the org8nisation in other ways. along with allocated supw)rt CQ5ts.
g) Governance and Support Costs of the Charity
Governance costs of the Charity represenls the expenditure Incur￿ in the running of the Charity such as costs of meetings,
audit and statutory compliance, and includes any costs which cannot be specifically identified to another expenditure
classification. No such costs are allocated to restricted funds.
15

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL STATEMENTS
Accounting Policies (continued)
h) Depreciation
Depreciation is provided at the following rates to write off aIl tangible assets over their useful lives.
Computer hardivare
Computer software
Office equipment
Other equipment
Leasehold
improvemenls
250/0 SiraightLine
33 /0 Straight Line
I 00/0 StraightLine
25 /0 Straight Line
Duration of Lease
i) Stock
Stock consists of key safe5 and unifonn5. Christm&s and birthday cards for resale, and postage stamps. Stocks are valued at
the lower of cost and nel realisable value.
j) Funds
The accounls distinguish between 'unrestricted' and 'restricted' funds. Unrestricted fi￿d5 are ihose where there are no
externally imposed restrictions, and are freely available to the Trustees for use in accordance with the object5 of the
eharity.
Funds are 'designated' to specific projects from accumulated unrestricted funds. Funds were designated to provide for the
costs arising relating to the potential acquisition of Age UK Buckinghamshire. Another designated ￿nd relates to future
pension provision.
Restri¢ted funds are to be used for the specific purpose for each project within each type of fund. Restricted funds include
the WarmeriHealthy Homes Hardship Fund for the purpose of providing minor home improvements. Other restricted funds
include the People Fund established for the purpose of providing small grants to older people in need. and asimilar fund for
the disadvantsged.
k) Operating LeA$es
Rentals applicable to operating leases are charged to the SOFA over the period in which costs are incu￿ed.
l) Pension Scheme
The charity participates in a multi-employer defined benefit scheme which provides benefits to some 950 non-associated
parti¢ipaiing etnployers. It is not possible for the company to obtain sufficient infomation to enable it to a¢count for the
scheme as a defined benefit Scheme, therefore it a¢¢ounts for the scheme &s a defined contribution scheme.
A full actuarial valuation for the scheme wa5 Ca￿led out at 30 September 2023. This valuation showed assets of £832m,
liabilities of £531 m and a deficit of £16m. To eliminate this ￿ndIng shortfall. the Twstees have asked the participating
employers to pay additional wntribution5 to the scheme. For 2023124 the charity's deficit contribution was £nil.
The scheme is classified as a 'last-man slanding arrangement.. TheTefoTe. the charity is potentially liable for other
participating employers, obligations if those employers are unable to meet their share of the scheme deficit following
withdrawal from the scheme. Parti¢ipaiing employers are legally required to rneet their share of the scheme deficit on an
annuity purchase basis on withdrawal from the scheme.
16

AGE UK BEDFORDSHIRE
r4oTES TO THE FINANCIAL STATEMENTS
Where the scheme is in deficit and where the charity has agreed to a deficit fijnding arrangemenl the charity recognises a
liability for this obligation. The amounl recogni5ed is the net present value of the deficit reduction contributions payable
under the agreement that relates to the deficit. The present Value is calculated using the discount rdte 5.520/(k. The unwinding
of the discounl rate is recognised as a finance costs.
tn) Going Concern
The charity is dependent upon the continued receipt of grdnts from public authorities and the income Stream generated
from ils charitable activilies. After due consideration of all relevant factors including the Current economic uncertainty,
the trustees have a reasonable expectation that the charity ha5 adequate resou￿¢5 to continue to opernte for the foreseeable
future.
n) Donated services and f#eilities
When services are provided to the charity as a donatTon that would be nomially be purchased from suppliers and an
estimate of value can be reasonably determined. this contribution is included in the fInanci81 statements at that estimated
value. Where the value cannot be reasonably detennined, the nature of ihe donation is disclosed in the notes to the
financial stalemenls.
o) Debtors
Trade and other debtors are recognised at the settlernent amount due. Prepayments are valued at the amount prepaid as at
the balance sheet date.
p) Cash at bank and in hand
Cash at bank and in hand includes cash and short terni highly liquid investments with a short maturity of three months or
less.
q) Creditors
Creditors are recognised when the charity a present obligation resulting from a p&st event that will probably result in
the transfer of fvnds to a third party and the amount due can be measured reliably.
r) Irrecoverable VAT
All resources exp¢tided are classified under activity headings that aggregate all costs related to that category.
ItTecoverable VA T is Charged against the category of resourtts expended for whi¢h it was incurred.
17

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL STATEMENTS
2 Activities to generale fund5: Trading subsidiary
The charity owns th¢ single i55u¢d ordinary share in Age UK Bedfordshire Trading Lirnited.
which is incorporated in England and Wales. The subsidiary is a trading company which
transfers its taxable profit lo the charity by a Gift Aid Declaration. A summary of the
trading result is shown below.
2024
2023
Profit And loss account
Turnover
Salaries, National Insurance and pension
Travel and subsisienee
Staff training and recruittnent
Renl, cleaning and utilities
Telephone, postage, stationery and IT
Repairs: renewals and insurance
Depreciation
Miscellaneous
Publi¢ity
Audit Fees
Operating profit
Gift Aid paid to Age UK Bedfordshire Ltd
Profit l Loss for the year
Profit and Ios5 account brought forward
Profit and loss account carried forward
Balance Sheet
Current assets
Debtors
Cash ai bank and in hand
Current Liabilities
Intercompany account
266
361
265
360
Represented by .
Share capital
Profit and loss accounl
18

AGE LpK BEDFORDSHIRE
NOTES TO THE FINANCIAL STATEMENTS
3 Investment income
All of the group's investment income of £2.472 (2023: £473) arises from money held in interest bearing deposil accounts.
4 Income from donations and leg8cies:
Unrestrieted
Funds
Restricted
Funds
Total
2024
Total
2023
Donations
Legacies
4,578
4,578
11,032
12,754
23,786
5 Other non charitable trading income:
Funds
Funds
2024
2023
Other income
16.i75
16,375
18,202
6 Grants from government or public
authoritie5 and other grants received .
Unrestrieted
Fullds
Restricted
Funds
Total
2024
Total
2023
Bedford Borough Council Social Services
Central Bedfordshire Social Services
Age UK Handyperson Project
Central Bedfordshire Council TFN
Bedford Borough Council - TFN
Bedford Borough Council - Outbreak Management
Bedford Borough Council - GSFW Campaign
Central Bedfordshire Vaccinations Grant
Age UK MCST Dementia Project
Age UK C05t of Living Response Fund
Groundwork UK - Tesco 'Golden Grant,
Groundwork UK One Stop Community Partnership
Tes¢0 - Groundwork Community Grant
Shell Community Kindness Grant
NHS Link Project
Bedford Borough Council - Ageing Well
Bedford Borough Council - Hot Boxes
Central Bedfordshire Council- Hot Boxes (HSF)
Age UK Winter Health Granl
14,355
33.875
11,349
9,668
8,000
14.355
33,875
11,349
9,668
8,000
14,355
31,721
7,275
9,053
8,000
19,804
3.333
2,000
12,555
3,077
10,000
500
125
16,667
16.667
13.381
36.923
13,381
36.923
1.375
1,000
1,375
1.000
7,320
7,800
7,800
10.000
iO.000
7,800
10,000
30,000
26,666
47,800
146,593
194.393
165 584
19

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL STATEMENTS
Resources expended on non
charitable activities:
Unrestricted
Funds
Designxted
Funds
Restricted
Funds
Total
2024
Total
2023
Salaries, National Insurance and
pension
Travel and subsistence
Rent, cleaning and utilities
Food - Sandy lunch club
14.499
14,499
13,822
14.499
14,499
13,822
Resources expended on ¢h8ritable
aetivities
Unrostrieted
Funds
Designated
Fund5
Restricted
Funds
Total
2024
Total
2023
Salaries. National Insurdnce and
pension
Welfare Services - workers. wages
Staff iraining and recruitment
Travel and subsistence
Rent, rdtes, cleaning and utililies
Telephone, postage. stationery and I T
Repairs, renewals & insurance
Depreciation
Bad debts
Miscellaneous
Publicity
Governance costs (see note 9)
286.829
940,875
5,091
99.741
51.757
46.284
11.163
4,067
6,880
18.195
3.759
73,580
1,548,221
79,698
28,902
659
4.295
18.147
9.163
2,393
1,220
211
1.344
561
366,527
969.777
5,750
104,036
69,904
55,447
13,556
5,287
7,091
19,539
4,320
73,580
1,694,814
361,599
829,039
7,078
97,759
68,868
53,050
12,474
6,364
7,005
20,706
6,832
78,813
1,549,5 87
146,593
Analysis of governance costs:
2024
2023
Salaries, National Insurance and
pension
Travel and subsistence
Audit fees and other professional
charges
General office
Depreciation
Bank charges
SubscriptiQll5
Room hire
47,436
288
47,576
233
12,826
10,262
696
,349
564
159
73,580
16,626
11,100
796
1,882
403
197
20

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
2024
2023
10 Net Incoming Resources
This is stated after charging..
Depreciation
Auditor's remuneration
5,983
10,140
7,160
9,600
I I Staff Costs and Trustees, remuneration
2024
2023
Wages and salaries
Employer's National In5ufdnce
Pension costs
,338,150
38,702
21.386
1.200,972
32,508
18,555
1398 238
1,252,035
One employee received emoluments of £60.000 or over (2023 . One)
The average number of employees wa5:
2024
2023
Number
Number
Welfare 5ervi¢es workers
147
131
Welfare services staff
Inforniation and advice
Administration
165
Full time
Part Time
160
165
143
151
12 Trustees, and key management personnel remuneration and expensos
The trustees received no remuneration (2023: £Ntl).
No out of pocket expenses were reimbursed to the Irustees {2023- £Nil).
The total amount of employee benefits received by key management personnel is £167.656
(2023.. £161,059)- The Trust considers its key management personnel to compri5e-
Chief Executive Officer. Deputy Chief Executive oificer. Facilities and Support Services Manager,
Accounts Manager.
21

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
13 Taxation
No liability lo corporation t&K arises on the results for the year.
14 Tangible Fixed
Assets
Leasehold
Computers
Office
Other
Improvements
Software
Equipment
Equipment
Total
Cost
At beginning of
year
Additions
Disposals
Ai end of year
45,588
73,780
1,849
23,768
379
32.569
2.780
7,194
182,899
5,008
45,588
75.629
24,147
35.349
7,194
187,907
Depreciation
At beginning of
year
Charge for year
Disposals
At end of year
43,826
391
71.450
.757
20.826
589
26.410
3,246
7,194
169,706
5.983
44,217
73.207
21.415
29.656
7,194
175,689
Net Book Value
at end of year
1.371
2.422
2.732
12,218
Net Book Value
at beginning of
year
6.159
13,193
15 Stock
Grou
2024
Chari
2024
2023
2023
Chrislmas cards
Postage stamps
Keysafes
Unifomis
Aids
Personal Alamis
311
112
882
2.963
49
29
4.346
276
226
957
2,246
62
10
3,777
311
112
882
2,963
49
29
276
226
957
2,246
62
io
3,777
Char
16
Debiors
Grou
2024
2023
2024
2023
294,0
62
19,68
Trad¢ d¢btor5: welfare services
294,062
158,984
158,984
Prepayments and accrued income
19,423
13.662
14,022
313,7
51
313,485
172.646
173,006
22

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
17 Creditors- Amounts falling due within one year
Group
2024
Charit
Accruals
2023
2024
2023
Other taxation and Social Security
Other creditors
9,006
37,740
62.002
108,748
9.096
18.973
89,186
117.255
9,006
37,740
62,002
108,748
9,096
18,973
89,187
117,256
18 Creditors- Amounts falling due within one year
Croup
2024
Chari
2023
2024
2023
Pension deficit
782
782
19 Movement in Funds
Restricted Funds
The allocation of incoming resource5 and resources expended between the various
restricted
funds was as follows:_
At
31.3.24
At 1.4.23
Intoming
Outgoing
People Fund
Advice services
Welfare services
WannerTrlealthy Homes Hardship Fund
Fund for Disadvantaged
2,006
2,006
88,249
58.344
{88,249)
{58.344)
1.694
267
1,694
267
Total Restricted Funds
146,593
146,593
3,967
At
31.3.23
At 1.4.22
Incoming
Outgoing
People Fund
Advice services
Welfare services
WartnerNealthy Homes Hardship Fund
Fund for Disadvantaged
2.006
2.006
98,694
20.424
(98,694)
(20,424)
(65)
1,759
267
1,694
267
Total Restricted Funds
4.032
119,118
119,183
3,967
23

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
Designated Funds
At
31.324
At 1.4.23
Incoming
Outgoing
Transfers
Pension Fund
Age UK Buckinghamshire A¢quisitiOD
Total Designated Funds
At
31.3.23
At 1.4.22
Incoming
Outgoing
Tr4nsfer$
Pension Fund
Age UK Buckingham5hire Acquisition
Total Designated Fund5
Unrestricted Funds - Group
At
31.3.24
At 1.4.23
Incoming
Outgoing
Transfers
Accumulaled Trust Fund
Non-charitsble trading fund
169,573
1,684.307
(1.562.720)
291,160
169.573
1.684,J07
(1.562,720
291 160
At
31.323
At 1.4.22
Incoming
Outgoing
Trgnsfers
Accumulaied Trust Fund
Non-charilable trading fund
265,766
1.348.032
{1.444.225)
169,573
265,766
l.i48.OJ2
(1.444.225
169,573
Unrestricted Funds- Charity
At
31.3.24
Al 1.4.23
Incoming
Outgoing
Transfers
Accumulated Trust Fund
169,574
1,684,307
(1.562.720)
291,161
169 574
1,684,307
{1.562,720
291 161
At
31.3.23
At 1.4.22
Incoming
Outgoing
Transfers
Accumulated Trust Fund
265,767
1,348,032
(1,444,225)
169,574
265,767
1.348.032
.444,225)
169.574
24

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
20 Analysis of Net Assets Between Funds
2024
Unrestricted
Funds
Designated
Fun(Ls
Restricted
Total
Funds
Tangible Fixed Assets
Net Current Assets
Creditors of more than one year
12,218
278.942
12,218
282.909
3,967
291,160
295,127
2023
Unrestricted
Destgn4ted
Fun(ts
Restricted
Total
Funds
Funds
Tangible Fixed Assets
Net Current Assets
13,193
157,162
782
13.193
161,129
782
3.967
Creditors of more than one year
169.573
3,967
173,540
21
Reconciliation of net movement in funds to net Cash flow from operating aetivities
2024
2023
Net movement in funds
Add back depreciation charge
Add back loss on disposal
Deduct interest income shown in investing activities
Decrease (increase) in Stock
Decrease {increase) in debtors
Increase (decrease) in creditors
Net cash used in operAting activities
121,587
5,983
(96,258)
7.160
81
(473)
357
(6.943)
59,583
(36,493
(2,472)
(569)
(140.839)
25,599
22
Related Party transactions
There were no reportable related party transactions in the year.
25

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
23
OperAting Lease Commitments
2024
Annvgl Years
commitment
left
Year I
2024
Years2 to 5
Year 5+
Photocopier
Franking machine
Property
1.142
1.919
55.782
5.00
1,142
5.00
1.919
12.00 55.782
4.566
7.676
234,510
457,861
246,752
457.861
2023
Annual Years
commltment
left
Yegr I
2022
Yr52to5
Year 5+
Phoiocopier
Franking machine
Property
1.00
6.00
1.00
1.181
1,919
54,688
1.919
54.688
7,676
1,919
57.788
1,919
26

AGE UK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
24 CONSOLIDATED STATEMENT OF FINANCIAL cfiviTIES (including Consolidated In¢om¢ and
Expenditure Account) FOR THE YEAR ENDED 31 MARCH 2023
Total
Fund5
2023
Unrestricted
Funds
Designated
Funds
Reslricted
Funds
Income and Endoivments
Donations and legacies
Incomefrom charilable aclivill￿.'
Grants from public authorities and other
grants
Welfare services
23,786
23,786
46,466
1.259.105
119,118
165,584
,259,105
Incomefrom other Irading aclivilies..
Other non charitable trading
Fund raising activities
Investment income
18,202
18.202
473
473
Total incotne endowments
lJ48,032
119,118
1,467,150
Expenditure
Eypenditure on raisingfvpk
Other non charitable trading
13,822
(13,822)
(1.430.403)
13,822
(13,822)
(1.549,587)
,563,409
Eypenditure on charilable aclivilies
Total expenditure
(119.184)
119,184
1,444225
Net incomel(expenditure)
Tr4n5fers between funds
(96,193)
(66)
(96,259)
Net movement in funds for the year
Reconciliation of funds
Total Funds broughi fornvard at l April 2022
Total Funds carried forward at 31 Mareh
2023
(96,193)
(66)
{96259)
265.766
4,033
269,799
169,573
173,540
27

AGE iiK BEDFORDSHIRE
NOTES TO THE FINANCIAL
STATEMENTS
25
Cash and cash equivAlents
Grou
2024
Chari
2024
2023
2023
Cash in bank
Cash in hand
73.560
266
73,826
101.601
360
73,452
108
73,560
101,352
249
101601
26
Analysis of net debt
At l April 2023
Cashflows
New debt
At 31 March
2024
Net cash
Cash on hand and at bank
101.961
101,961
(28,135)
(28.135)
73,826
73,826
Net debt
Bank loans
Total
101.961
(28.135)
73,826
28