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2024-12-31-accounts

CHARITY REGISTRATION NUMBER: 1092850

The Radford Educational Trust Unaudited Financial Statements 31 December 2024

HAFFNER HOFF LTD

Accountants 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

The Radford Educational Trust

Financial Statements

Year ended 31 December 2024

Page
Trustees' annual report 1
Independent examiner's report to the trustees 6
Statement of financial activities 7
Statement of financial position 8
Notes to the financial statements 9

The Radford Educational Trust

Trustees' Annual Report

Year ended 31 December 2024

The trustees present their report and the unaudited financial statements of the charity for the year ended 31 December 2024.

Reference and administrative details

Registered charity name The Radford Educational Trust Charity registration number 1092850 Principal office 468B Bury New Road Salford M7 4NU The trustees E Taylor M Sinitsky A Schleider Independent examiner Mr Howard Schwalbe ACA 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

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The Radford Educational Trust

Trustees' Annual Report (continued)

Year ended 31 December 2024

Structure, governance and management

The Radford Educational Trust is constituted under a Trust Deed dated 13 December 2001 and amended by supplemental deed dated 11 July 2002. It is a registered charity number 1092850.

Recruitment and appointment of new trustees would be in line with the Trust Deed and with the consent of the trustees. The criteria set for the suitable candidate would be someone who is sensitive to the needs and demands of the organisation.

There is no chief executive officer. The day-to-day affairs are undertaken by Mrs M Rutenberg on behalf of the trustees. All major decisions are taken collectively by the trustees, and all the trustees give of their time freely. The trustees are unpaid, and details of any related party transactions are disclosed as applicable in the notes to the accounts. The arrangements for setting the pay of the charity’s employees are the sole domain of the trustees.

There are no policies for the induction or training of new trustees.

Risk review

The Trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the Trust and are satisfied that systems are in place to manage our exposure to the major risks.

The risks faced by the trust are principally operational risks from ineffective grant making. These risks are managed by the trustees researching potential beneficiaries before granting donations.

Report back and review procedures strengthen these safeguards to ensure public benefit is achieved from all grants.

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The Radford Educational Trust

Trustees' Annual Report (continued)

Year ended 31 December 2024

Objectives and activities

The objects of the charity are to promote Jewish education at the discretion of the trustees.

Public benefit

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit and in particular to its supplementary public benefit guidance on advancing education when reviewing the charity's aims and objectives and in planning future activities and setting grant making policy for the year.

Grant making policy

The charity has established its grant making policy to achieve its objects for the public benefit. The charity invites applications for funding through contacting local philanthropists to contribute towards projects that both the trustees and the philanthropists feel are appropriate for the charity’s objects.

The application of the funds by way of grants is to either institutions or individuals and is almost always to institutions.

The trustees consider they have met the public benefit test and outline these achievements below.

The trustees measure the success of achieving the stated aims by the number and value of grants paid out for each object. The grants paid out in the year are detailed in the notes to the accounts and the trustees consider they have met their aims successfully this year.

The trustees consider the shorter-term aims to be similar to the longer term aims and assess the achievement of the charity in the same way.

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The Radford Educational Trust

Trustees' Annual Report (continued)

Year ended 31 December 2024

Achievements and performance

The charity had donations receivable amounting to £13,038 (2023: £40,131) during the year.

Other incoming resources are in respect of hire of the hall amounting to £55,192 (2023: £47,913) and there was investment income of £5 (2023: £7).

The charity incurred charitable expenditure amounting to £15,834 (2023: £22,331) on repairs and £25,757 (2023: £22,912) on cleaning the building that is used exclusively for educational purposes.

There were travel costs of £4,540 on a educational trip.

Grants made during the year to institutions totalled £13,961 (2023: £45,500) as detailed in note 10 and are in line with the stated objects of the charity. This year the charity continued to support a creche by way of grants, that is used by some of the teachers as well as for children whose parents do not teach in the school that occupies the building owned by the charity.

There were no investments made during the year.

There were no fundraising costs incurred during the year.

There were security costs of £11,526 (2023: £10,799), legal and professional costs of £14,063 (2023: £7,453), governance costs of £780 (2023: £780) and other office costs of £5,083 (2023: £3,594) during the year.

There were no related party transactions made during the year.

There was an overall net expenditure and movement in funds for the year amounting to £23,309, £7,994 of net income in unrestricted funds and £31,303 of net expenditure in restricted funds (2023: £49,114 which comprised of £25,318 of net expenditure in unrestricted funds and £23,796 of net expenditure in restricted funds).

Financial review

The trustees feel that the activity reflects the profile and standing within the local community. The impact for future year's expenditure is self-evident and the trustees would like to record their appreciation for all the financial support received from benefactors during the course of the year.

Reserves policy

The restricted fund represents the restricted funds arising from past operating results. The unrestricted fund represents the unrestricted funds arising from past operating results. The unrestricted and restricted fund together represent the reserves of the charity.

The trustees are satisfied that the balance of the fund less the carrying value of the freehold land and buildings approximates to the equivalent of one years anticipated operating expenditure, which is satisfactory given the nature of revenue receipts against grants payable.

In considering the financial obligations of the charity, the trustees have resolved to maintain a minimum reserve, being the current assets of the charity.

The free reserves, represented by the net current assets of the charity stand at £44,275 all of which are unrestricted (2023: £67,584, of which £36,281 are unrestricted and £31,303 are restricted).

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The Radford Educational Trust

Trustees' Annual Report (continued)

Year ended 31 December 2024

The trustees' annual report was approved on 10 September 2025 and signed on behalf of the board of trustees by:

M Sinitsky Trustee

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The Radford Educational Trust

Independent Examiner's Report to the Trustees of The Radford Educational Trust

Year ended 31 December 2024

I report to the trustees on my examination of the financial statements of The Radford Educational Trust ('the charity') for the year ended 31 December 2024.

Responsibilities and basis of report

As the trustees of the charity, you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair' view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Mr Howard Schwalbe ACA

Independent Examiner

2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

10 September 2025

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The Radford Educational Trust

Statement of Financial Activities

Year ended 31 December 2024

2024 2023
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 4 13,038 13,038 40,131
Investment income 5 5 5 7
Other income 6 55,192 55,192 47,913
---------------------------- -------------- ---------------------------- ----------------------------
Total income 68,235 68,235 88,051
============================ ============== ============================ ============================
Expenditure
Expenditure on charitable activities 7,8 60,241 31,303 91,544 137,165
---------------------------- ---------------------------- ---------------------------- --------------------------------
Total expenditure 60,241 31,303 91,544 137,165
============================ ============================ ============================ ================================
---------------------------- ---------------------------- ---------------------------- --------------------------------
Net expenditure and net movement in
funds 7,994 (31,303) (23,309) (49,114)
============================ ============================ ============================ ================================
Reconciliation of funds
Total funds brought forward 36,281 8,305,648 8,341,929 8,391,043
---------------------------- ----------------------------------------- ----------------------------------------- -----------------------------------------
Total funds carried forward 44,275 8,274,345 8,318,620 8,341,929
============================ ========================================= ========================================= =========================================

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 9 to 16 form part of these financial statements.

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The Radford Educational Trust

Statement of Financial Position

31 December 2024

2024 2023
Note £ £ £
Fixed assets
Tangible fixed assets 15 8,274,345 8,274,345
Current assets
Debtors 16 5,200 5,200
Cash at bank and in hand 39,855 63,884
---------------------------- ----------------------------
45,055 69,084
Creditors: amounts falling due within one year 17 780 1,500
---------------------------- ----------------------------
Net current assets 44,275 67,584
----------------------------------------- -----------------------------------------
Total assets less current liabilities 8,318,620 8,341,929
----------------------------------------- -----------------------------------------
Net assets 8,318,620 8,341,929
========================================= =========================================
Funds of the charity
Restricted funds 8,274,345 8,305,648
Unrestricted funds 44,275 36,281
----------------------------------------- -----------------------------------------
Total charity funds 18 8,318,620
=========================================
8,341,929
=========================================

These financial statements were approved by the board of trustees and authorised for issue on 10 September 2025, and are signed on behalf of the board by:

M Sinitsky Trustee

The notes on pages 9 to 16 form part of these financial statements.

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The Radford Educational Trust

Notes to the Financial Statements

Year ended 31 December 2024

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 468B Bury New Road, Salford, M7 4NU.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Tangible fixed assets

All fixed assets are initially recorded at cost.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements did not require management to make judgements, estimates or assumptions that affect the amounts reported.

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes. /Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal and fall into one of two sub-classes.

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible fixed assets

Tangible fixed assets are initially recorded at cost and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible fixed assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Tangible fixed assets (continued)

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

There is no depreciation charge for Land and Buildings in the year. This is a departure from the Companies Act 2006 requirement to depreciate all fixed assets. The trustees consider this departure appropriate to reflect a true and fair view on the basis that the building is maintained to a high standard.

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Fixtures & fittings - 15% straight line

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Financial instruments (continued)

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

4. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Donations
Donations 13,038 13,038 40,131 40,131
============================ ============================ ============================ ============================
5. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Bank interest receivable 5 5 7 7
============== ============== ============== ==============
6. Other income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Hall hire 55,192 55,192 47,913 47,913
============================ ============================ ============================ ============================

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

7. Expenditure on charitable activities by fund type

Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Educational expenditure 45,500 31,303 76,803
Charitable grants 13,961 13,961
Support costs 780 780
---------------------------- ---------------------------- ----------------------------
60,241 31,303 91,544
============================ ============================ ============================
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Educational expenditure 67,089 67,089
Charitable grants 45,500 45,500
Support costs 780 23,796 24,576
-------------------------------- ---------------------------- --------------------------------
113,369 23,796 137,165
================================ ============================ ================================

8. Expenditure on charitable activities by activity type

Activities
undertaken
Grant funding

Support
Total funds Total fund
directly
of activities

costs
2024 2023
£ £ £ £ £
Educational expenditure 76,803

76,803 90,885
Charitable grants
13,961

13,961 45,500
Governance costs

780
780 780
---------------------------- ---------------------------- -------------- ---------------------------- --------------------------------
76,803
13,961

780
91,544 137,165
============================ ============================ ============== ============================ ================================
Analysis of support costs
Analysis of
support costs Total 2024 Total 2023
£ £ £
Governance costs 780 780 780
============== ============== ==============
Analysis of grants
2024 2023
£ £
Grants to institutions
Beis Yaacov Jewish High School Academy 16,000
Creche Payments 12,750 22,000
Jewish High School For Girls 7,500
Grants under £2,500 1,211
---------------------------- ----------------------------
13,961 45,500
---------------------------- ----------------------------
Total grants 13,961 45,500
============================ ============================

9. Analysis of support costs

10. Analysis of grants

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

11. Net expenditure

Net expenditure is stated after charging/(crediting):

Net expenditure is stated after charging/(crediting):
2024 2023
£ £
Depreciation of tangible fixed assets 23,796
============== ============================
12. Independent examination fees
2024 2023
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 780
==============
780
==============

13. Staff costs

The average head count of employees during the year was Nil (2023: Nil).

No employee received employee benefits of more than £60,000 during the year (2023: Nil).

14. Trustee remuneration and expenses

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

15. Tangible fixed assets

Land and Fixtures and
buildings fittings Total
£ £ £
Cost
At 1 January 2024 and 31 December 2024 8,274,345 593,841 8,868,186
========================================= ================================ =========================================
Depreciation
At 1 January 2024 and 31 December 2024 593,841 593,841
========================================= ================================ =========================================
Carrying amount
At 31 December 2024 8,274,345 8,274,345
========================================= ================================ =========================================
At 31 December 2023 8,274,345 8,274,345
========================================= ================================ =========================================

The trustees consider it is inappropriate to depreciate the freehold land and buildings as they consider the current carrying value represents the fair value of the asset.

This is due to the building being maintained to a high standard and is in good order.

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

16. Debtors
2024 2023
£ £
Other debtors 5,200 5,200
======================= =======================
17. Creditors: amounts falling due within one year
2024 2023
£ £
Accruals and deferred income 780 1,500
============== =======================
18. Analysis of charitable funds
Unrestricted funds
At 01 At 31
Jan 2024 Income Expenditure Dec 2024
£ £ £ £
General funds 36,281 68,235 (60,241) 44,275
============================ ============================ ============================ ============================
At 01 At 31
Jan 2023 Income Expenditure Dec 2023
£ £ £ £
General funds 61,599 88,051 (113,369) 36,281
============================ ============================ ================================ ============================
Restricted funds
At 01 At 31
Jan 2024 Income Expenditure Dec 2024
£ £ £ £
Building fund 8,305,648 (31,303) 8,274,345
========================================= ============== ============================ =========================================
At 01 At 31
Jan 2023 Income Expenditure Dec 2023
£ £ £ £
Building fund 8,329,444 (23,796) 8,305,648
========================================= ============== ============================ =========================================

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The Radford Educational Trust

Notes to the Financial Statements (continued)

Year ended 31 December 2024

19. Analysis of net assets between funds

Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Tangible fixed assets 8,274,345 8,274,345
Current assets 45,055 45,055
Creditors less than 1 year (780) (780)
---------------------------- ----------------------------------------- -----------------------------------------
Net assets 44,275 8,274,345 8,318,620
============================ ========================================= =========================================
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Tangible fixed assets 8,274,345 8,274,345
Current assets 36,281 32,803 69,084
Creditors less than 1 year (1,500)
(1,500)
---------------------------- ----------------------------------------- -----------------------------------------
Net assets 36,281 8,305,648 8,341,929
============================ ========================================= =========================================

20. Related parties

There were no related party transactions during the year.

21. Taxation

The Radford Educational Trust is a registered charity and therefore is not liable to income tax or corporation tax on income derived from its charitable activities, as it falls within the various exemptions available to registered charities.

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