2021-03-31-accounts

Trustees			P Essler
			R Stinton	(resigned 6 February 2021)
			SAzam
			A Northage
			R Lister
			J Crouch
			R Beattie
			A Boston	(appointed	26 November	2020)
Principal	staff		A Taylor - Chief Executive
Secretary			A Taylor
Charity number			1096130
Company	number		04578503
Principal	and registered	office	31 Manor Row
			Bradford
			BD14PS
Auditor			Garbutt 8 Elliott Audit	Limited
			33Park Place
			Leeds
			LS1 2RY
Bankers			Unity Trust Bank pic
			4 Brindleyplace
			Birmingham
			B1 2HB

		Page
Trustees' report		1-7
Statement oftrustees'	responsibilities
Independent auditor's	report	9-12
Statement offinancial	activities	13
Balance sheet		14
Statement ofcash flows		15
Notes to the financial	statements	16-30

				Unrestricted	Restricted	Total	Total
				2021	2021	2021	2020
			Notes				f
Income from:
Donations				1,123		1,123	238
Charitable activities			3	1,557,163	867,708	2,424,871	2,482,573
Total income				1,558,286	867,708	2,425,994	2,482,811
Ex enditure on:
Charitable activities			4	1,356,409	867,708	2,224,117	2,328,002
Net income for the year				201,877		201,877	154,809
Other recognised	gains and	losses
Actuarial (loss)/gain	on defined	benefit pension
schemes				(1,975)		(1,975)	1,856
Net movement in funds				199,902		199,902	156,665
Fund balances at 1	April 2020			863,639		863,639	706,974
Fund balances at	31 March 2021			1,063,541		1,063,541	863,639

				2021		2020
			Notes			f
Fixed assets
Tangible assets					332,674		353,302
Current assets
Debtors				183,484		346,460
Cash at bank and	in	hand		882,795		339,783
				1,066,279		686,243
Creditors: amounts		falling due within
one year			10	(292,278)		(121,671)
Net current assets					774,001		564,572
Total assets less	current liabilities				1,106,675		917,874
Creditors: amounts		falling due after
more than one year					(43,134)		(54,235)
Net assets					1,063,541		863,639
Income funds
Unrestricted funds					1,063,541		863,639
					1,063,541		863,639

					2021		2020
				Notes	f
Cash flows from operating			activities
Cash generated		from/(absorbed by)		16
operations						547,804		(25,202)
Investing	activities
Purchase	oftangible fixed assets				(4,792)
Net cash	used	in investing	activities			(4,792)
Net cash	used	in financing	activities
Net increase/(decrease) in			cash and	cash
equivalents						543,012		(25,202)
Cash and	cash	equivalents	at beginning	ofyear		339,783		364,985
Cash and	cash	equivalents	at end of	year		882,795		339,783

		2021	2020f
Grants, contracts and fees		2,424,313	2,482,292
Other income		558	281
		2,424,871	2,482,573
Analysis by fund
Unrestricted funds		1,557,163	1,717,942
Restricted funds		867,708	764,631
		2,424,871	2,482,573
Grants, contracts and fees
BMDC Lot 1 (Equality Together)		23,400	25,992
BMDC Lot 2 (Family Action)		1,233	7,400
BMDC Lot 3		549,006	579,536
BMDC Lot 5		862,640	915,059
BMDC - OISC - Translation			(11,047)
Money and Pensions Service Funded	Debt Advice Project	428,693	490,107
Legal Aid Agency		78,498	180,888
Universal Credit: Help to Claim		250,549	266,962
NPG Energy Advice		15,406	7,562
EU Funding		25,375	5,625
Weymouth Centre Outreach			7,500
Community Justice Fund		63,200
No Child Cold		85,186
The VCSAlliance		9,184
National CA- Covid Capacity		8,710
Outreach Services		5,625
Keighley Pathways		7,000	6,708
Other		10,608
		2,424,313	2,482,292

				2021 f	2020f
Staff costs				1,405,722	1,550,378
Other staff and volunteer costs				12,316	24,652
Office costs				68,724	68,250
Premises	costs			91,253	114,532
Other				114,841	77,837
Sub-contract		agency	services	362,632	320,750
				2,055,488	2,156,399
Share of	support costs (see note 5)			162,854	166,029
Share of	governance		costs (see note 5)	5,775	5,574
				2,224,117	2,328,002
Analysis	by	fund
Unrestricted		funds		1,356,409	1,551,692
Restricted	funds			867,708	776,310
				2,224,117	2,328,002

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		2021	2020
		Number	Number
		58
Employment	costs	2021	2020
Wages and salaries		1,276,028	1,426,377
Redundancy	costs	20,180
Social security costs		99,327	120,233
Other pension costs		57,280	59,787
		1,452,815	1,606,397

8	Tangible fixed assets
			Freehold	land	Leasehold	Plant and	Total
			and buildings		improvements	equipment
				f
	Cost
	At 1 April 2020		212,350		238,229		450,579
	Additions					4,792	4,792
	At 31 March 2021		212,350		238,229	4,792	455,371
	Depreciation and impairment
	At 1 April 2020				97,277		97,277
	Depreciation charged	in the year			23,823	1,597	25,420
	At 31 March 2021				121,100	1,597	122,697
	Carrying amount
	At 31 March 2021		212,350		117,129	3,195	332,674
	At 31 March 2020		212,350		140,952		353,302
	Freehold land is not depreciated.
9	Debtors
	Amounts falling due	within one year:				2021f	2020f
	Trade debtors					137,227	290,595
	Prepayments and accrued income					46,257	55,865
						183,484	346,460
10	Creditors: amounts falling due within one year
						2021	2020
						F
	Other taxation and social security					26,333	26,884
	Trade creditors					53,635	23,269
	Other creditors					197,697	57,330
	Pension scheme deficit obligations					14,613	14,188
						292,278	121,671

				2021f	2020
Pension	scheme	defict	obligations	43,134	54,235

			2021	2020	2019
			f000's	f000's	f000's
Present	value	ofobligation	58		83

12	Retirement benefit schemes	Retirement benefit schemes	Retirement benefit schemes			(Continued)
	Reconciliation ofopening		and closing provision
					2021	2020
					f000's	f000's
	Provision	at the start ofthe	year		68	83
	Unwinding	ofdiscount			2	1
	Deficit contributions paid				(14)	(14)
	Actuarial	re-measurements:
	—Impact	ofany change in	assumptions
	—Amendments to the contribution			schedule
	Provision	at end ofyear			58	68
	Amounts	falling due within	one year (note 10)		14	14
	Amounts	falling due after more than one year (note 11)			44	54
					58	68
	Income and expenditure		impact
					2021	2020
					f000's	8000's
	Interest expense
	Actuarial	re-measurements:
	—Impact	ofany change in	assumptions
	—Amendments to the contribution			schedule

facto	r noted below:
		2021	2020	2019
		f000's	f000's	f000's
Year	1	14	14	14
Year	2	15	15	14
Year	3	15	15	15
Year	4	14	16	15
Year	5		13	16
Year	6			13

Assumptions
	2021	2020	2019
Discount rate	0.66

Restricte	d funds
				Movement	in funds
Current	year		Balance at 1	Income	Expenditure	Balance at 31
			April 2020			March 2021
					F
Money and Pensions Service Funded		Debt advice
Project				428,693	(428,693)
Universal	Credit: Help to Claim			250,549	(250,549)
NPG energy advice				15,406	(15,406)
The VCS allicance				9,184	(9,184)
Access to Justice				63,200	(63,200)
No Child	Cold			85,186	(85,186)
National	CA- Covid Capacity			8,710	(8,710)
Other				6,780	(6,780)
				867,708	(867,708)

Restricted	funds				(Continued)
			Movement	in funds
Prior year		Balance at 1	Income	Expenditure	Balance at 31
		April 2019	f		March 2020
Money Advice Service - Debt Advice Project			490,107	(490,107)
Universal	Credit: Help to Claim - Setup grant	11,679	266,962	(278,641)
NPG energy advice			7,562	(7,562)
		11,679	764,631	(776,310)

Analysis ofnet ass	ets between funds
	Unrestricted	Restricted	Total Unrestricted		Restricted	Total
	funds	funds		funds	funds
	2021	2021 F	2021	2020	2020f	2020
Fund balances at 31 March 2021:
Tangible assets	332,674		332,674	353,302		353,302
Current assets/
(liabilities)	774,001		774,001	564,572		564,572
Long term liabilities	(43,134)		(43,134)	(54,235)		(54,235)
	1,063,541		1,063,541	863,639		863,639

	under non-cancellable operating le	ases,	w	hich fall due as follows:
					2021	2020
	Within one year				53,900	57,149
	Between two and five years				103,555	176,224
	In over five years					29,064
					157,455	262,437
16	Cash generated from operations				2021	2020
	Net income before other recognised	gains		/ (losses)	201,877	154,809
	Depreciation and impairment oftangible		fixed assets		25,420	23,823
	Adjustments for the defined benefit	pension		scheme	(12,651)	(12,752)
	Decrease/(increase) in debtors				162,976	(139,678)
	Increase/(decrease) in creditors				170,182	(51,404)
	Cash generated by/(used in) operations				547,804	(25,202)
17	Analysis ofchanges in net funds

18	Comparative Statement	Comparative Statement	of Financial Activities
				Unrestricted	Restricted	Total
				funds	funds	2020
					f
	Income from:
	Donations			238		238
	Charitable activities			1,717,942	764,631	2,482,573
	Total income			1,718,180	764,631	2,482,811
	Ex enditure on:
	Charitable activities			1,551,692	776,310	2,328,002
	Net income/(expenditure)		for the year	166,488	(11,679)	154,809
	Other recognised	gains	and losses
	Actuarial gain on defined		benefit pension schemes	1,856		1,856
	Net movement in funds			168,344	(11,679)	156,665
	Fund balances at 1 April		2019	695,295	11,679	706,974
	Fund balances at	31 March 2020		863,639		863,639