## **AGE CONCERN STOURBRIDGE & HALESOWEN** ## **REPORT OF THE TRUSTEES & FINANCIAL STATEMENTS FOR THE YEAR ENDED 31[st] MARCH 2025** |**CONTENTS**|**PAGE**| |---|---| |Company Legal and Administrative Information|2| |Chairman’s Report|3| |Structure, Management and Governance|4| |Achievements & Performance:|| |Financial Review|4| |Income & Expenditure Reviews|4 - 5| |Advice & Information Services|6| |Marketing & Community|6| |Future Plans|6 - 7| |Appendices:|| |Appendix 1
Our Results in Brief.|| |Appendix 2
Pie Chart – Income & Expenditure 31stMarch 2025.|| |Appendix 3
Bar Chart – Income & Expenditure 2025 & 2024.|| |Appendix 4
Statement of Financial Activities.|| ## **INDEPENDENT EXAMINER’S REPORT** |Report of the Trustees|1 – 2| |---|---| |Independent Examiner’s Report|3| |Statement of Financial Activities|4| |Balance Sheet|5| |Notes to the Financial Statements|6 – 11| |Detailed Statement of Financial Activities|12 - 13| **FRONT COVER: Photo shows The Elton Centre building.** - 1 - **AGE CONCERN STOURBRIDGE & HALESOWEN** ## **COMPANY LEGAL AND ADMINISTRATIVE INFORMATION** ## **FOR THE YEAR ENDED 31[st] MARCH 2025** ## **TRUSTEES/DIRECTORS who served during the year:** David Harbach – Chair of Trustees Gaye Partridge – Vice Chair Dr Paul Collins Brian Mitchell Brett Bowen Julie Sheldon Mark Williams (appointed 23.1.25) **SECRETARY:** Brian Mitchell FCCA **CENTRE MANAGER:** Kim Guest **CENTRE MANAGER:** ## **REGISTERED OFFICE:** The Elton Centre Tel No: 01384 390065 St John’s Road E-mail: acshstourbridge@gmail.com Stourbridge Website: www.ageconcernsh.org.uk West Midlands DY8 1EJ UK **Charity Registration No:** 1096783 **Company Registration No:** 03266213 Company limited by guarantee; Registered in England. **INDEPENDENT EXAMINER:** Dalton Pardoe Limited Chartered Accountants 794 High Street Kingswinford West Midlands DY6 8BQ **BANKERS:** HSBC 114 High Street Stourbridge West Midlands DY8 1DZ **SOLICITORS:** Higgs & Sons 3 Waterfront Business Park Brierley Hill West Midlands DY5 1LX **PENSION PROVIDER:** Legal & General - 2 - ## **CHAIRMAN’S REPORT 2025** It is my privilege once again to present this report on behalf of the Trustees. This has been **another challenging yet deeply rewarding year** for Age Concern Stourbridge and Halesowen. The landscape in which we work continues to shift — with increasing pressures on older people, the rising cost of living, and the growing demand for support and advice. Despite these challenges, our small but resolute team has continued to deliver an outstanding service to those who need us most. Every day, we see first-hand the difference that our organisation makes. Whether it is helping someone to access the **benefits and entitlements they so rightly deserve** , offering a listening ear, or simply providing a friendly face and reassurance. What makes Age Concern Stourbridge and Halesowen truly special is that we are **a unique and trusted part of our Borough’s community** — a place where older people know they will be heard, respected, and supported. That reputation has been earned over many years through kindness, consistency, and care. Our work has always been rooted in caring for our older community members, but we know that support and friendship are things we all need, no matter our age. As we look ahead, we want to make sure our doors are always open to everyone, by continuing to welcome people from all walks of life and all stages of life, so we can grow together and keep building a community that truly looks out for one another, now and in the years to come. There are, of course, **many more projects and services we would love to develop** , as the needs of our older population continue to grow. Sadly, as with many charities, **our financial resources limit how far and how fast we can go** . We remain determined to explore every opportunity to secure sustainable funding, so that we can continue to reach and support even more people in the year ahead. I want to express my heartfelt gratitude to our **volunteers** , who are the lifeblood of Age Concern Stourbridge and Halesowen. Without their commitment, generosity, and compassion, our work simply would not be possible. It is both **humbling and inspiring** to see so many giving their time and energy to help others. Their dedication reminds us all why this charity exists — and why it matters so deeply. In conclusion, while challenges remain, our purpose is clear, our community strong, and our commitment unwavering. Together—with determination, creativity, and teamwork—we will continue to make a difference. With gratitude and pride. **David Harbach Chair of Trustees** - 3 - ## **STRUCTURE, MANAGEMENT AND GOVERNANCE** Age Concern Stourbridge and Halesowen is a local, independent charity which has been providing care to older people since 1975. Our aim is to offer practical support by providing services that help the over 50’s in the Dudley Borough to get out and about, meet friends, keep active, stay healthy and generally live life to the full. Our Elton Centre in Stourbridge provides a range of activities such as bowls, exercises, art & crafts etc., plus an Advice & Information service providing free help on benefits, health and social care etc. Exercise classes are also provided at Halesowen Town Hall (previously “The Cornbow”). The Elton Centre is also available for hire by local community organisations. Age Concern S&H is incorporated as a charitable company limited by guarantee and not having a share capital. Accordingly, the trustees of the charity are also directors for the purposes of company law. The constitution of the charity is contained within its Memorandum and Articles of Association. Management of the Charity is by the Board of Trustees/Directors who are committed to the principles and practice of good governance as issued by the Charity Commission and as contained in the various associated Codes for the voluntary and community sector. Annual accounts are subject to an independent examination by an appropriately qualified Chartered Accountant. ## **ACHIEVEMENTS & PERFORMANCE 2025** ## **Financial Review:** Accounts for the year ended 31.03.25 show a net decrease in funds (“loss”) of £7,721; as compared with the previous year’s loss of £14,320 – so some improvement with increased costs offset by higher income achieved. Losses are reflected in reduced cash reserves of £80,950 as at 31.03.25 as compared with £89,902 as at 31.03.24 – but still healthy. Total Balance Sheet Funds as at 31 March 2025 were £519,576 as compared with £527,297 as at 31 March 2024. Total funds include as an asset the Elton Centre which is owned by the charity. A professional valuation carried out in 2017 gave a market value in the region of £285,000. Full financial statements prepared by Dalton Pardoe Limited form part of this Annual Trustees’ Report. A summary of these statements is provided in Appendices 1 – 4 attached to help readers better understand the charity’s results. Supporting notes are included in the Income and Expenditure reviews below and in the later Independent Examiner’s Report. Appendix 1. Our Results in Brief; Appendix 2. Pie Chart - Income & Expenditure for 2025. Appendix 3. Bar Chart – Income & Expenditure for 2025 & 2024; Appendix 4. Detailed Statement of Financial Activities. ## **Income Review:** ## Activities Leisure activities for our older clients continue to be popular with a range of activities including indoor bowls, art & crafts, exercises (including yoga, tai chi, pilates and meditation classes), harmonica club etc. In the year ended 31 March 2025 these activities brought in total income of £30,053 (2024: £26,541). - 4 - ## Room Hire Since re-opening in May 2021 following the Covid pandemic our Centre Manager, Kim Guest, has been successful in attracting a wider range of bookings and age groups which has been important in making the Centre viable (and more vibrant) and thus helping to achieve its aims of caring for older people. Following the significant loss of local authority grants in April 2017 and the impact of Covid-19 restrictions subsequently, the extra income from room hire has proved essential in the charity’s survival. During the year many diverse local groups hired rooms within the Elton Centre on a regular basis for a variety of family-orientated activities. Bookings also included a local pharmacy using the Centre for carrying out Covid-19 and flu vaccinations, and Dudley Council as a venue for local elections. Room hire not only generates extra income for the charity but also provides a valuable community service, as well as promoting the charity’s location and facilities. In the year ended 31 March 2025 room hire brought in total income of £14,831 (2024: £17,241). ## Kitchen/Café Significantly improved income following the appointment of Lee as the kitchen manager. The year saw changes in the running of the kitchen and new menus, with a growing number of people using the café; including our popular Sunday lunches and visiting groups such as Talkin Tables and Bereavement Support. In the year ended 31 March 2025 the café brought in total income of £39,447 (2024: £22,107) – an increase of 78%. ## Other Income Other income received in the year of £15,248 came from donations & grants, fund raising events, interest etc. (2024: £18,689). Grants received in the year of £6,744 helped to fund new projects identified by the Board for new chairs, freezer, and training needs. Fund raising events raised £3,185, including Kim’s popular skittles, quizzes and kurling evenings; plus raffles, football cards, and Christmas fayre. Donations raised a further £1,568 including a number of “in memoriam” donations, Redlake Wills, and smaller donations to the Advice Office for help given. Other income of £3,751 comprised £2,880 from interest received, and £871 from other miscellaneous items including parking fees and commission. The charity is grateful to those people who supported us by attending events and making donations. ## **Expenditure Review:** Total expenditure in the year to 31.03.25 was £107,300 as compared with £98,898 in the previous year, an increase of 8.5%. Wages and volunteer costs were £48,401, an increase of 25%; reflecting national pay awards and extra hours associated with new kitchen procedures. Property costs were £24,920, a decrease of 20%. Property costs include energy, water, repairs and maintenance, cleaning and depreciation. Savings in the year reflect lower R & M and energy costs. Administration costs were £9,200 an increase of 32%. Admin costs include insurance, telephones, printing, training and general expenses. Kitchen / Café costs of £13,584 increased by 25% reflecting increased sales. Activity costs of £11,195 relate to tutor and events costs; an increase of 2%. - 5 - ## **Advice & Information Service:** An important part of the charity’s work is providing information and advice to older people on a range of individual problems including benefit entitlement, debt advice, mobility, Blue Badges, housing etc. – many of which now require completion of claims on-line. This is a free service, although clients are invited to make donations. With the current cost of living pressures and increased referrals from job centres, CABs etc we have seen a significant increase in enquiries being received. A particular demand in the year was for pension credit advice following the Government’s cutback on Winter Fuel allowances. Other important work relates to claims for Attendance Allowance and Personal Independent Payments: It is estimated that staff helped clients to access up to £300,000 of entitlements over the year. In the year ended 31 March 2025 our staff provided help to 1,001 clients. The service is provided by a team of volunteers with CAB experience. Upgrades to our computer and telephone systems have improved facilities for staff and clients, plus a greater use of social media and our website to promote the help available. There is an ongoing need for more volunteers to meet clients’ needs. Additional services to support the community have also been developed including a bereavement help group, and participation in Dudley Council’s initiatives for older people such as Warm Welcome and Talkin’ Tables. As part of the Council’s Ageing Well Festival the Elton Centre held a special Ageing Well Sunday lunch in September attended by the Mayor and local MPs. ## **Marketing & Community** During the year our new Trustee, Julie Sheldon, advised the Board on strategies for improving the charity’s communications with the public and local organisations based on a greater use of social media, press releases, our website etc. A number of marketing and communication programmes have been implemented to promote activities and events, including a kitchen launch, facilities for community groups, volunteers, and a “Calendar of Events”. These initiatives have significantly raised the profile of the charity, and increased numbers attending the Centre. ## **FUTURE PLANS** As reported in the Chairman’s report (page 3) the charity will be focussed on sustainability and growth in the coming year, and its ongoing commitment to the well-being of the older people we serve. In May 2025 Age Concern Stourbridge celebrated 50 years since the charity was originally started by a small group of church and scout volunteers who saw a need locally to provide a support network for older people who were vulnerable for various reasons. Specific future plans and strategies include: - To explore opportunities to secure sustainable funding in the year ahead so that we can continue to reach and support even more people. This will include ongoing cost-saving measures including in particular energy cost savings, reviews of income streams and charges, and available grants. - Ongoing development of our Café/Kitchen as a viable service is considered a priority in terms of generating increased footfall and income. This will build on progress to date to grow numbers and to provide a strong and safe environment for all that use the centre. - To provide improved and additional parking facilities to meet the increased numbers of users to the site. Plans include the possible demolition of an existing portacabin which is in a poor state of repair. - 6 - - With the closure of other local offices such as Age UK Dudley, and Stourbridge Citizens Advice, there is a recognised need to extend our information services for older people to meet increased demands. Recruiting and training more volunteers is a necessity, as also is the opportunity to extend the areas we serve. - Due to cost constraints the recruitment of more volunteers is seen as important to meet users’ needs whilst also ensuring that the charity remains viable. Currently volunteers are a valuable addition in supporting our kitchen, advice & information, and garden. Volunteers also include our trustees and the need to recruit new trustees with the necessary skills and commitment to implement future strategies and changes. - Age Concern S&H is a member of a Limited Liability Partnership (LLP) with other local organisations and charities. The LLP was formed in 2017 to explore tender opportunities and to prepare bids using the shared resources of its members. Potential benefits remain under review. The charity’s website www.ageconcernsh.org.uk and Facebook **the elton centre – age concern** can be visited to find out more about the charity and the latest news on what is happening at our Elton Centre. ## _**Please do take a look.**_ - 7 - APPENDIX I StQUfbridge & Hèlesfftn OUR RESULTS IN BRIEF 31-Mar 2025 31-Mar 2024 INCOME: GRANTS KITCHEN / CAFÉ AcfiviTIES ROOM HIRE OTHER FUND RAISING DONATIONS OTHER INVESTMENTS £6,744 £39,447 £30,053 £14.831 £3,185 £1,568 £871 £2,880 £3.477 £22,107 £26.541 £17.241 £6,311 £3.511 £2.552 £2,838 TOTAL INCOME £99,579 £84,578 EXPENDITURE: WAGES & VOLUNTEERS PROPERTY COSTS ADMIN. COSTS KITCHEN / CAFÉ AcfiviTY COSTS £48,401 £24,920 £9,200 £13.584 £11,195 £38.646 £31,492 £6.929 £10,867 £10.964 TOTAL EXPENDITURE £107,300 £98,898 SURPLUS / LOSS FOR YEAR -£7,721 -£14,320 LOSS LOSS TOTAL FUNDS HELD £519,576 £527,297 INCL CASH AT BANK £80,950 £89,902 **APPENDIX 2** ## **AGE CONCERN STOURBRIDGE & HALESOWEN** ## **FINANCE YEAR ENDED 31st MARCH 2025** - 9 - ## **APPENDIX 3** ## **AGE CONCERN STOURBRIDGE & HALESOWEN** ## **FINANCE - YEAR ENDED 31st MARCH 2025** **----- Start of picture text -----**
£ INCOME
45,000
40,000
35,000
30,000
25,000
20,000
15,000
2025
10,000
|_| 2024
5,000
0
GRANTS KITCHEN / ACTIVITIES ROOM HIRE OTHER - FUND
CAFÉ RAISING ETC.
INCOME RECEIVED
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**TOTAL INCOME £99,579 (31.3.24 £84,578)** **----- Start of picture text -----**
£
EXPENDITURE
60,000
50,000
40,000
30,000
20,000
10,000
0 —
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| [|] 2025
| [|] 2024
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**TOTAL EXPENDITURE £107,300 (31.3.24 £98,898)** **EXPENDITURE SPENT** APPENDIX 4 Stourbridge & Halesowen STATEMENT OF HNANCIAL ACnVITIES FOR THE YEAR ENDED 31st MARCH 2025 2024 In¢om¢ from: Grants Donations Charitable activities Other fund rafrsirvJ ac*ivrt*s Investments Other income Total Income (A) Analysis Oswrloaf 6,744 3.477 3.511 69.SDJ 18,016 23.552 2,838 2,552 84,578 871 99.579 Expenditure on: Wages and volunteers ex￿￿￿e$ Insurance Ga5, electricjly & wat Administration Audit fees Professional f8es Repairs, deaning et¢. Depreuation Activities.. Kitthen I Café Oth8r Loss on Disposals Total •xpènditurn {Bl (Anatysis byAelivity Ovwkag Net Income and Expendlture Add: Net gainsllosses l.) on investments NET MOVEMENT IN FUNDS (ln Year) ADD Fund Balarces at 1 st April blfvw FUND BALANCES AT 31 MARCH 48.401 1.516 12.091 1.398 16.181 4.811 720 5,470 9,9)7 13,584 11.195 lo.￿7 10. 107.300 {A-8} -7,721 -14.320 -7.721 527.297 519,576 -14.320 541.617 $27,297 BALANCE SHEET AT 31 MARCH: Fixed Assets Inve5tsnents held- LLP. 434.4) 436,648 CLwrent Assels.. Stocks Debtors Cash at b￿k 5,277 89￿2 .708 -7 059 .627 Less Creditors Net curTent assets 89.649 NET ASSETS S19.576 527,297 REPRESENTED BY: Unrestricted funds: Genaral uNestrid8d ILThJ$ 514,7 Restrlcted funds: 14,310 12.501 TOTAL FUNDS CIFWD {At Y•ar Endl 519,576 5Z7,297 ## **APPENDIX 4 continued** |**ANALYSIS OF INCOME:**|**2025**|**2024**| |---|---|---| ||**£**|**£**| |**Voluntary income:**||| |Donations|1,568|3,511| |Grants received|6,744|3,477| ||**8,312**|**6,988**| |**Charitable activities:**||| |Grants - DMBC|0|0| |Kitchen|39,447|22,107| |Bowls|7,060|7,130| |Exercise classes (Elton)|6,619|4,859| |Tai Chi, Yoga, Pilates|4,490|3,846| |Art|1,490|1,643| |Crafts|920|980| |Exercise classes (Cornbow)|6,692|8,083| |Harmonica, Meditation|2,782|0| ||**69,500**|**48,648**| |**Other trading activities:**||| |Room Hire|14,831|17,241| |Fund Raising events|1,851|5,556| |Miscellaneous|1,334|755| ||**18,016**|**23,552**| |**Investments:**||| |Investment income - interest|**2,880**|**2,838**| |**Other Income:**||| |Parking fees, Miscellaneous|764|792| |Commission|107|1,760| ||**871**|**2,552**| |**Total Income**|**99,579**|**84,578**| |Add: Investments Gain/Loss(-)|0|0| |**Total Accounts**|**99,579**|**84,578**| - 12 - ## **@ The Elton Centre** ## Report of the Trustees & Financial Statements For the Year Ended 31 March 2025 **----- Start of picture text -----**
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**Registered Charity No: 1096783 Company Registration No: 03266213 www.ageconcernsh.org.uk** **----- Start of picture text -----**
CAFÉ’, SUNDAY LUNCHES
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EXERCISE, FITNESS CLASSES
FUND RAISING EVENTS -
QUIZZES, KURLING, SKITTLES
TAI CHI, PILATES, YOGA ENTERTAINMENTS
MEDITATION DAY TRIPS
FAMILY CLASSES
FOR
LINE DANCING
OLDER PARTIES
BOWLS PEOPLE
AND
SLIMMING WORLD
SO
ART & CRAFTS MUCH
MORE
HARMONICA VACCINATIONS
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**FUND RAISING EVENTS - QUIZZES, KURLING, SKITTLES ENTERTAINMENTS** **ADVICE & INFORMATION** **----- Start of picture text -----**
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REGISTERED COMPANY NUM8ER: 03Z66213 (England and Wales) RE615TERED CHARITY NUMBER: 1096783 forthe Y￿r Ended 31 Marth Z025 E CONCERN STalllBRIDGE AKI MALESOWEN Dafton Pardoe Umlted Ch•rtered Accountants 794 Hlgh Street Klngswlnft>rd West Mldland5 DY6 8BQ C(Krtents ol the Flnandal Staternents forthe Year£nded 31 Marth 2025 Report of the Trustees I to 2 Independent Examlnerfs Report Note$ tothe Fh¥nthl Statements 6 to 11 to AGE CONCERN STOURBRIDGE AND HALESOWEN Report of the Truste¢$ for the Year Ended 31 March 2025 The trustees who are also dlrector5 of the charlty for the purposes of the Companle5 Act 2006, p￿sefit thelr report with the financlal statements of the charlty for the year ended 31 March 2025. The trustees have adopted the provlslons of AccountlnE and Reportlng by Chèritles: Statement of Recommended Prattlce applicable to charltles preparln8 thelr accounts In accordance wlth the Flnancial Reportln8 Standard appllcable In the UK and Republlc of Ireland {FRS 1021 leffectlve l January 2019). 08JECTIVE5 AND ACTIVITIES Oblectlves and actlvltles The oblectlve for whlch the charlty Is estsbllshed Is Yo womote the rellef of elderly people In a manner vknlch now or hereafter rnay be deemed by law to be charltable In and around Stourbridge and Halesowen and the surroundlng areas.. Age Concern Stourbridge and Halesowen Is a local Independent charlty whlch has been provldlng care to older people for SO year5. Our Elton Centre, Stourbridge, provldes a range of services and activities Includlng bowls, exerclses, arts and crafts, café and Sunday lunches etc, Also an Information Office offerlng free advlce and help on beneflts, health and soclal Ca￿ etc. Our Elton Centre Is also avallable for hlre by local comMun￿V organi5ations. Weekly exerclse ¢la55es are also held at Halesowen Town Hall ('The Cornbow'l. ACHIEVEMENTS AND PERFORMANCE See separate Trustees Report for detslls of achlevements and performance durlng the year. FINANaAL REVIEW The net deflclt for the year amounted to £7,721 {2024 - £14,320 deflcltl. Totsl funds reduced over the year under revlew from £527.297 to £519,576. It 15 the pollcy of the charlty that Un￿rtrICted funds whlch have not been deslgnated for a speclfle use should be malntained at level equlvalent to between six and twelve months expenditUTe. The trustees constder that reserves at thls level wlll ensure that, In the event of a slgnlflcant drop In fundln& they wlll be able to continue the charity'5 current artlvltles whlle consideration Is glven to ways In whlch additlonal funds may be ralsed. Thls level of reser4es has been malntslned throughout the year. STRucfuRE, GOVERNANCE AND MANAGEMENT 6o¥emlnB document Age Concem Stourbridge and Halesowen VRS reglstered wSth Companles House and the Charlty CommEsslon on tst Aprll 2010. The company Is IlmSted by guarantee, not havlng a share capltal. An updated Artlcles and Memorandum of A55oclatlon VAS approved for the charlty whlch incorporated changes Introduced by the Companles Act 2006. The charlty's Governlng Document Is the Artlcles and Memorandum of Assoclètlon. The dirertors of the company are also the trustees for the purpose of charlty law. REFEREN￿ AND ADMINISTrATIVE DEfAILS Reglstered Company number 03266213 (England and Wales) Re8lstered Charlty number 1096783 Reglstered offl¢e The Elton Centre St John's Road Stourbrldge West Mldlands DY8 IEi Trustees D Harbach - Chalrrrhin G Partridge Dr P H Colllns B MStchell FCCA J ￿[don J Bowen M Wllllams {appolnted 23.1.251 Company Secretary B Mltchell FCCA Page I AGE CONCERN 5fouRBRIDGE AND HALE50WEN Report of the Trustees for the Year ended 31 Marth 2025 REFEREtXE AND ADMINISTRATIVE DETAILS Independent Examlner Mr C Dalton FCA Oalton Pardoe Llrnlted Chartered Accountsnts 794 Hlgh Street Klngswlnford West Midlands DY6 88Q GOING CONCERN At the tlme of approvlng the accounts, the tiustees have a reasonable expectatlon that the charlty has adequate resources to contlnue In operatlonal exlstence for the foreseeable future. Thus the trustees contlnue to adopt the 8oln8 concein basls of accountlng In preparln8 the accounts. TRUSTEW RESPONSIBIUTY STATEMENT The tWStees (who are also the dlrectors of AGE CONCERN STOURBRIDGE AND HALESOWEN for the purposes of comp•ny law) are respon51ble for preparln8 the Report of the Trustee5 and the financlal statements In accordance vAth appllcable law and Unlted Klngdorn Accountlng Standards (United Klngdom Generally Accepted Accountlng Practlce) Includln8 Flnènclal Reportlng Stsndard 102'Tr Flnandal Reportlng Standard appllcable In the UK and Republlc of Ireland.. Company law ￿qUIreS the trustees to prepore financlal statements for each flnanelal year. Under that law, the trustee5 have elected to prepare the flnanclal statements In accordance wlth Unbted Klngdom Generally Aeeepted Accountlng PrKtke Iunlted Klngdom Accountlng Standards and appllcable lawl. Under company law the trustees rnust not approve the flnanclal statements unless they are satlsfied that they glve a true and falr vlew of the state of affalrs of the charltable company and of the Incornlng resources and appllcatlon of resources, Includlng the Income and expendlture, of the charltable company for that perlod. In prepaflng those flnanclal ststements, the trustees are requlred to selert sultable accauntlng polkles and then apply them conslstently; observe methods and prlnclples In the Charltles SORP; make Judgements and estlmatès that are reasonable and prudent; prepare the flnanclal statements on the 8oln8 concern basbs unless It Is Inapproprfate to presurne that the charltable cornpary wlll contlnue In buslness. The trustees are responslble for keewng proper accountln8 records whlch dlsclose wlth reasonable accuracy at any tlme the flnanclal posltlon of the charltable company and to enable them to ensure that the flnanclal statements comply wlth the Companles Art 2006. They are also re5ponslble for safeguardlng the assets of the charltsble company and hence for tskln8 reasonable steps far the Pfeventlon and detectlon of traud and other Irregularltles. Thls report has been prepared In accordance wlth the spedal provlslons of Part 15 of the Companles Act 2006 relatlng to small cornpanle$. Approved by order of the board of trustees on 5 December 2025 and slgned on Its behalf by: D Harbach - Chalrman- Trustee Page 2 Independent Examiner's Report to the Trustees of AGE CONCERN STOURBRIDGE AND HALESOWEN Independent examiner's report to the trustees ofAGE CONCERN STOURBRIDGE AND HALESOWEN I'the Company'l I report to the charity trustees on my examination of the account5 of the Company for the year ended 31 March 2025. Responsibilities and ba515 of report A5 the charity's trustees of the Company land also its directors for the purposes of company lawl you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 20061'the 2006 Act'l. Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts as carried out under Section 145 of the Charities Act 20111'the 2011 Act'l. In carrying out my examination I have followed the Directions given by the Charity Cornmission under Section 145151 Ibl of the 2011 Act. Independent examiner's statement I have completed my examSnation. I confirm that no matters have come to my attention In connection with the examination giving me cause to believe.. accounting records were not kept in respect of the Company as required by Section 386 of the 2006 Act,. or the account5 do not accord with those records,. or the accounts do not comply with the accounting requirements of Section 396 of the 2006 Act 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,. or the account5 have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charitie5 (applicable to charitie5 preparing their accounts In accordance with the Financiol Reporting Standard applicable in the UK and Republic of Ireland IFRS 10211. I have no concerns and have come across no other matter5 in connection with the examination to which ottention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. MrCDalton FCA The Institute of Chartered Accountants in England and Wales Dalton Pardoe Limited Chartered Accountants 794 High Street Kingswinford West Midlands DY6 88Q S December 2025 Page 3 AGE CONCERN STOUR8RIDGE AND HALESOWEN Statement of Nnan¢lal Artfvltle$ for the Year Ended 31 Marth 2025 31.3.25 Totsl funds 31.3.24 Totsl funds Unrestrlrted funds Restrirted fvnd Notes INCOME AND ENDOWMENTS FROM Donatlons and grants 6,744 8J12 6,988 Charltable actlvltles - Income 69.51x1 69.500 48,648 Other tradlng actlvltles Investment Income Other Income 18.016 1880 8n 18,016 2,880 871 23.552 2,838 2.552 Totsl 91835 6,744 99.579 84,578 EXPENDITURE ON Raislng funds 7.4Z7 7N27 7.111 Charltable artmtles - Expendlture 4￿35 99,033 91,067 Ot￿r no Totsl 102,365 4,935 107300 98.898 NET INCOMVIEXPENDITURE) 19.5301 L809 17,7211 (14,3201 RECONauATrON OF FUNDS Total funds brought forward 514.796 soi 527.297 541,617 TOTAL FUNDS CARRIED FORWARD 505.266 14AIO 519.576 527,297 The notes form part of these finèndal statements Pa8e 4 AGE CONCERN sfouR8RIDGE AND HALESOWEN Balance Sheet 31 March 2025 31.3.25 Total lunds 31.3.24 Total fvnds Unrestrkted funds Restrlcted fvnd Notes FIXED ASSErs Tanglble assets Unlisted Investff*nts 12 13 42L244 13,746 434,990 436,648 I,OOD 422,244 13,746 437,648 CURRENT ASSETS Stocks Debtors Cash at bank 14 15 400 6,406 89,902 5.277 80386 5.277 80.950 86.063 564 86,627 96.708 CREDITORS Amounts falllna due wlthln one year 16 (3.041) 13.0411 17,0591 NET CURRENT ASSETS 564 83,586 89,649 TOTAL ASSETS LESS CURRENT LIABIUTIES 50S,266 14310 519.576 527,297 NEY ASSETS 505.266 14,310 519,576 527.297 FUNDS Unrestritted funds: General fund Restritted funds: Restricted funds 17 505.266 514,796 14JlO 12,$01 TOTAL FUN05 S19.576 527.297 The charltable company Is entltled to exemptlon from audlt under Sectlon 477 of the Compènie5 Att 2006 for the year ended 31 March 2025. The members have not requI￿d the company to obtsin an audit of Its financlal statements for the year ended 31 March 2025 In accordance with Sectlon 476 of the Companle5 Act 2006. The trustees acknowledge thelf responslbllltles for ensuring that the charitable Company keeps accounting records that comply wlth Sectlons 386 and 387 of the Cornpanles Act 2006 and preparlng flnancial statements whlch glve a true and falrvlew of the state of affalrs of the charltsble company as at the end of each financlal year and of its surplus or deflclt for each financlal year In accordance wlth the requirements of Sectlons 394 and 395 and whlch otherwise comply wSth the requlrements of the Companles Act 2006 relatlng to flnancial statements, so far as appllcable to the charitable compary. Ib) These financlal statements have been prepared In accordance wth the wovlslons appllcable to charitsble Compan￿5 subject to the small ci)mpanles reglme. The tlnanclal statements were approved by the Board of Trustees and authorlsed for Issue on 5 December 2025 and were s18ned on Its behalf by: D Harbach - Chalrman-Trustee The notes form part of these flnanclal statements Page 5 AGE CONCERN sfouRBRIDGE AND HALESOWEN Notes to the Flnanclal Statements for the Year Ended 31 MaTth 2025 ACCOUNTING pouaES Ba$15 of preparlng the IlTranclal statements The flnanclal statements of the charitable company, whlch is a public benefft entlty under FRS 102. have been prepared In accordance wlth thè Charltles SORP {FRS 102)'Accountlng and Reportlng by Charltles: Statement of Recommended Practice appllcable to charltles preparlng thelr accounts in accordance vthh the Financlal Reporting Standard applkable In the UK and Republic of Ireland {FRS 102} {effertlve l January 20191,, Flnanclal Reportlng Standard 102 The Flnanclal Reportln8 Standard appllcable In the UK and Republlc of Ireland, and the Companies Art 2006. The financlal statements have been prepared under the historical cost convertlon. CrItI￿1 accountlng Judgements and key sources of estlrnatlon unrert•lnty In the applitatlon of the charity's accountlng pollcles, the trustees are requlred to make judgements, e5tlmates and assumptlons about the carrylng amount of assets and liabilitles that are not readlly apparent from ottr*r sources. The estlrnates and assoclated assumptlons are based on hlstorkal expertence and other factor5 that are consldèred to be relevant. attual results may dlffer from these estimates. The estlmatÈs and underlylng assumptions are revIev￿d on an ongolng basls. Revlslons to accounting estimates are recognlsed In the perlod in which the estlmate Is revlsed where the revi51on affects only that perlod, or in the perlod of the revlslon and future perlods where the revision offects both current and firture perlods. Income All Income Is recoEnised In the statement of Financial Actl¥ltles once the charlty has entitlement to the funds, 5t Is probable that the Income will be recelved and the amount can be Measured reliably. eXpendI￿re LlabSlltles are recognSsed as empendlture as soon as therels a legal or construrtlve obllgatlon commlttlng the charlty to that expendlture, It Is probable that a transfer of economlc beneffts wlll be requI￿d in settlement and the amount of the obligatlon can be measured rellably. Expenditure Is accounted for on an accruals basls and has been classified under heading5 that a88regats all cost related to the category. Where costs cannot be directly attrlbuted to particular headlng5 they have been allocated to actlvltles on a basls con5i5tent wlth the use of resources. Tan8lble fixed assets Depreclatlon Is provlded at the followlng annual ratss in order to wrSts off each asset over Its estimated useful Ilfe. Freehold property Flxtures and fittings not provlded 20% on cost No depreclatlon Is provlded on freehold property as, In the oplnlon of the trustees there has been an incrÈa5e In the value bethen the date of purchase and the balance sheet date. Flxed asset Investments Flxed asset Investments are ststed at market value. Related party exemptlon The charltable company has taken advantoge of exemptlon, under the temis of Flnanclal Reporting Standard 102 Yhe Financlal Reportlng Standard applicable In the UK and Republic of Ireland,, not to dlsclose related party transactlons wlth wholly owned subsldiaries within the group. Stocks Stocks are valued at the lower of cost and net reallsable value, after making due allowance for obsolete and slow moving Items. Taxatlon The charlty Is exempt from corporation tsx on Its charltable activltles. Fund a¢c¢untln8 Unrestrlrted funds can be used In accordance wlth the Charitable objertlves at the dlscretlon of the trustees. Restrlcted funds can onty be used for particular restrltted purposes wlthln the objects of the tharlty. Restrtctlon5 arlse vthen specffied by thè donor or when funds are ralsed for partlcular restrltted purposes. Further explanatlon of the nature and purpose of each fund Is Included In the notes to the financlal ststements. Page 6 contlnued... Notes to the Ana￿Tal St*ements. contlnued forthe Year Ended 31 Mardb 2025 ACCOUNllNG pouaES. (ontlnyed Goln8 conorn At the tlme of approvln8 the accounts, the trusree5 have a reasonable expertatlon that the charlty has adequate re%)urces to continue In operational ex15tence for the foreseeable futu￿. Tlws the trustees contlnue to adopt the going concern basis of accountlng In preparfn8 the accounts. OTHER TRADING ACTMTIES 313.25 31.3.24 Room hl Fayresljumble sales Mlscellaneouslsundry events 14.831 L851 17,241 5,556 755 016 23.552 INVESTMENT INCOME 31.3.24 Income from investmerts 2.838 INCOME FROM CJIARrrABLE p£nvmES 31325 31.3.24 Kltchen Exerc15e (Cornbow) 8owls Keep fftl Yoga Art and crafts Harmonlca Medltatlon - Incon - Income - Income - IrKome - Income . Ir￿oMe - Income 39847 6￿92 22.107 8.083 7,130 8.705 2,623 IL109 io 965 17 48.648 RAISING FUNDS R•55h¥ donatlons and legades 31.325 31.3.24 Other fundrablng costs Stsff costs 3.613 3,498 7N27 7,111 Page 7 continued... f¢Y the Year Ended 31 March 2025 CHARITABLE AcnvmES COST5 Dlrert Costs {see note 7) - Expend￿Ure 99.033 DIREcf COSTS OF CHAIIITABLE ACTiinTIES 31.325 313.24 stsff costs Oepreclatlon (net of gTants) Kltchen and shop purcha5e5 Actlvitles Insurance Repalrs and malntenance Ga5, electrlclty and water Admlnlstratlon costs Release of ￿$trthd funds 43￿78 1876 35,148 2.207 10.867 10,170 1.177 8,807 15,003 3,800 3.888 10.TJ4 4.749 IL148 6A195 4￿35 91,067 NET INCOMEI(EXPENDrruRE) Net InconW{expen(fiturel Is ststed after charulwjlcreditingl: 31A25 31.3.24 Depredatlon - owned assets Independent examlners fee 7,361 5.403 720 TRUSTEES, REMUNERATION AND 8Et4EFITS NoTrustee received reffluneTrtlon In elther 2025 or 2024. TNstees' expenses There were no trustees, expenses pald forthe year ended 31 March 2025 norforthe year ended 31 March 2024. 10. STAFF COSTS Were made up as follows: 313.25 31.3.24 Wages and salarles Volunteers Contractor 29,45S 3,580 5.611 4A30 11788 The average rnonthly number of employees thrlngthe ￿arWa5 asfollow5: 3L325 31.3.24 Clerlcal cteaners No employees recelved emolurnents In excess of £25,(100. Page 8 continued... AGE CONCERN STOURBRIOGE AND HALESOWEM for the Year Ended ai Marth 2025 ii. COMPARATIVES FOR TH£ STATEMENT OF FIIIAP4CM ACTIVrnES Unrestrkted funds Restrlcted fvnd Total funds INCOME AND ENDOWMENTS FROM DOnat[(M￿ and grants 3.510 3.478 6.988 Charltable aalvlties 48.648 Othertradlng actlvilies Investment Income lkner Income 23,552 1838 2,552 23.552 2,838 2.552 Totsl 81,1(Kl 3.478 84,578 expENDITURE ON Raislng fvnds 7.111 7,111 Ch•Titable actfvltles - Expenditure 87,179 91,067 no 720 Trtal 95.010 98,898 NEf INCOMV(EXPENDiniRE) 113.910) 1410) 114,320) REcoNauATION OF FUNDS Totsl funds brought forward 528,706 12.911 541.617 TOTAL FUNDS CARRIED FORWARD 514,796 ,501 527,297 TANGIBLE FIXED ASSErs Flxtures and fittings Freehold property Totsls COST At l Aprll 2024 Additions 416MI2 137J70 5,703 At 31 March 2025 416N02 143.273 559.675 DEPREOATION At l Aprll 2024 Charge for year 117.324 7361 117.324 7.361 At 31 March 2025 IZ4.685 124.685 NET BOOK VALUE At 31 March 2025 416.402 434.990 At 31 March 2024 416.402 20,246 436.648 No depreclatlon ts provided on freehold property as, In the oplnlon of the trustees there has been an Increase In the value between the date of purchase and the balance sheet date. Page 9 contlwed... AGE CONCERN 5TOURBRIDGE AND HALESOWEN Ilotes to the Flnandal Ststements- coThtlnued for the Year Ended 31 March 2025 UNUSTED INVESTMENTS Unllsted Investments MARKETVALUE At l April 2024 and 31 March 2025 NET BOOK VALUE At 31 March 2025 LOOO At 31 March 2024 1.000 STOCKS 313.25 31.3.24 Stocks 400 15. DEBTORS: AMOiINTS FALLING DUE WITHIN ONE YEAR 31,3.25 31.3.24 Prepayments and accrued Income 5,277 6.406 16. CREDITORS: AMOUNTS FAWNG DUE WITHIN ONE YEAR 31.3.25 31.3.24 Trade credltors Soclal wurlty and othertaxes Accruals and deferred income 4.497 253 2,309 373 1668 3.041 7,059 17. MOVEMENT IN FUN05 Net movement In funds At 31.3.25 At 1.4.24 Unrestrfcted funds General fund 514,796 (9.5301 $05.Z66 Restrlcted funds Restricted funds 501 14.310 TOTAL FUNDS 527.297 17.ni) 519.576 Net movement In funds, Included In the above are as follows: Incomlng resources Resources expended Movernent In fvnds Unrestricted funds General fund 92￿35 1102.365) 19,5301 Restricted funds Restrkted funds 6.744 14,9351 TOTAL FUNDS 99,579 1107,3001 17,721) Page 10 contlnued... AGE CONCER14 STOURBRIDGE AND HALESOWEP4 Notes to the Flnanclal Statements- eontlnued for the Year Ended al Marth 2025 17. MOVEMENT IN FUNDS- contlnued Comparatlves for movement In funds Net movement In funds At 31.3.24 At 1.4.23 Unrestrlcted funds General fund 528,706 113,9101 514,796 Restrlcted fvnds Restricted fvn(ts 12,911 (410) 12.501 TOTAL FUNDS 541,617 114,320) 527,297 Comparatfve net movement In fund5, Included In the above are as follows: Incomln8 resOu￿e3 Resources expended Movement In funds Unrestrlcted funds General fund 81,100 195,010) 113,910) Restrfcted funds Restrlcted funds 3,478 13,8881 {410) TOTAL FUNDS 84,578 198,8981 (14,3201 RELATED PARTY DISCLOSURES There were no related party transactlons for the year ended 31 March 202S. 19. ULTIMATE CONTROLLING PARTY The ch•rlty Is controlled by Its Trustees. Page 11 for the Ye•r Ended 31 Marth 2025 31.3.25 Total funds 313.24 Total funds Unrestrkted lunds fvnds INCOME AND ENDOWMENTS Donatlons and grnnts Donatlons and Erants 6,744 8.112 6,988 Other tradln8 •ctl¥ltles Room hlre Fayres/Jumble sales Mlscellaneouslsundry events 14JJl 14J31 L851 L334 17.241 5,556 755 18.016 .0 23,552 In¥e$tment In¢ome Income from Investments 2,838 Ch¥rlt4ble actl¥ltles Kltchen Exerclse {Cornbow) Bowls Keep tw Yoga Art 8nd crafts Harmonl Medltstlon 39M47 39A47 6.692 22,107 8,083 7,130 8,705 2,623 ILll>9 11.109 2,410 965 17 L817 69,500 48,648 other Income Mlscellaneous 871 871 2,552 Totsl In¢omln8 Msour￿$ 6.744 99,579 84,578 EXPENDITVRE Ralilnl don4tl¢%K¢ and lepdes Other fundrilslnB costs Staff costs 3,613 3.498 4￿23 7A27 7,427 7,111 Ch•rftable actl¥lU Wages Depredatlon (net of grants) Kltchen and slwp purchases Actlvltles Insurance Repalrs and maintsnance Gas. elertrlclty and watsr Admlnlstratlon costs Release of restrfrted fvnds 43￿Tr 876 43.578 1876 35,148 2,207 10.867 10,170 1,177 8.807 15,003 3,800 10.774 10,774 L294 4.749 IL148 6.095 4.935 4.749 ILI48 6m5 4J35 4935 99,033 9L067 Support ¢osts Th]s page does rth fomi partof the statutory finandal St￿e￿nts Page 12 for the Year Ended 31 2025 31.3.25 Total fur 31.3.24 Totsl funds Restrlrted fvnds fun(ts Support Govemance costs Independent examlners fee 720 Total resources expended 4935 107J(Xl 98,898 Net lexpkndlture)nncome 19,530) 17.721) (14,3201 Thls paee does not forn) part of the ststutoryfinanclal statements Page 13 Independent £Mamlnerfs Report to the TThstw of AGE CONCEAN STOURBRIDGE AND HALESOWEN Independent examiner's report to the trustee5 of AGE CONCERN STOVRBRIDGE AND HALESOWEN I'the Companrfl I fewjrt to the charlty tmstees on my examination of the accounts ol the Company for the year ended 31 March 2025. Responslbilitie5 and ba515 of report As the charitY'S trustee5 of the Company 13rb(l also its directors far the purposes of company lawl you are responslble for the preparation of the accounis In accordance with the requlrements ol the Companles Act 20051.the 2006 Act'l. Havin6 satisfied myself that the accounts of the Company are not required to be audiled under Part 16 01 the 2006 AÉt and are ell&ible lor Independeni examination. I report *n respect of my examination of your chatity's accounts as carried out Ltnder Section 145 ol the Charities Act 2011 I'the 2011 Act'l. In carrying out my examiDalion I have folbwed the Directions given by the Charltv Cornmission under Seciion 145151 Ibl ol the 2011 Act. Independent examlner's statement I have compleled my examinètton. I confirm that no matters have come to my attention in connection with the examination 8ivinB me cause to belleve.. 4ccountln8 recoid5 were not kept in respect ol the (ompany as required by Section 386 01 the 2(Y)6 Act. or the account5 do not accord with ihose fecords; or the accounts do not comply with tho accountin8 iequiremenls of Section 396 of ihe 2W6 Aci othef ihan any requiremeni that the accoun15 give a trLte and lair vlew whlch Is not a matier consldered as part of an Independent examination.. or the accounls have not been prepared in atcordance with the methods and prlrKiple5 of the statement of Recommended Practice for accoiinting and ieporting by charitie5 lapplicable to charities preparin8 theif accounts in accordance with the Financial Reporting Standard applicable in the UK and Republlc ol Ireland IFRS 10211. I have nv Lvncerns and have come across llo other matter5 in conneciion wilh the examination to which attention should be drawn in this report In order to enable a proper understandln8 of the accounts to be reached. Mr C Dalton FCA The Instiluie of Chartered Accountants in England and Wale5 Dalton PaTdoe LSmited Chartered Accountants 794 Hieh Street Klngswlnford Wesl Midlands L)Y6 8BQ 5 December 2025 Pa8e 3