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2023-04-30-accounts

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

Charity registration number 1097052

INVESTREAM CHARITABLE TRUST

ANNUAL REPORT AND UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30 APRIL 2023

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

LEGAL AND ADMINISTRATIVE INFORMATION

Trustees M Morris G S Morris Charity number 1097052 Principal address 1 Portland Place London W1B 1PN Independent examiner Mark Bailey Chartered Accountants Devonshire House 1 Devonshire Street London W1W 5DR Bankers Royal Bank of Scotland plc 62 - 63 Threadneedle Street London EC2R 8LA Metro Bank One Southampton Row London WC1B 5HA

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

CONTENTS

Page
Trustees' report 1 - 3
Independent examiner's report 4
Statement of financial activities 5
Statement of financial position 6
Notes to the financial statements 7 - 13

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

TRUSTEES' REPORT FOR THE YEAR ENDED 30 APRIL 2023

The Trustees present their annual report and financial statements for the year ended 30 April 2023.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the Trust's Deed dated 17 January 2003, the Charities Act 2011 and "Accounting and Reporting by Charities: 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)" (effective 1 January 2019).

Objectives and activities

The Trust's objectives are to assist charitable causes in the advancement of education, the relief of poverty and infirmity and such other purposes beneficial to the community as are considered by English law to be charitable.

The Trustees have unrestricted power to apply Trust funds towards these charitable objectives.

The Trustees have paid due regard to guidance issued by the Charity Commission in deciding what activities the Trust should undertake.

The Trust's primary source of income derives from donations made by Mark Morris, a Trustee, and related entities.

The Charity is not actively engaged in fund raising nor does it solicit donations. The funds are maintained at levels which the Trustees consider appropriate in order maintain liquidity within the Trust, to cover costs of management and administration and to satisfy a distribution policy consistent with the Trust's overall charitable objectives.

The Trustees follow a policy of making charitable donations only after they are satisfied that the Trust has adequate resources to meet its commitments. As at 30 April 2023 there were no future commitments with regards to the funds held.

The Trustees have adopted a policy of making regular donations to charitable causes, having regard to the level of the Trust's annual income and surplus funds available. They regularly appraise new opportunities for direct charitable expenditure and from time to time make substantial donations to support special or capital projects.

During the year the Trust made donations to qualifying organisations amounting in aggregate to £762,650 (2022: £911,185).

At the year end the Trust had a loan outstanding from Redbourne Avenue LLP for £500,000 (2022: £500,000). This is a considered to be a social investment as it has been made to meet the charitable activities of the Trust.

Achievements and performance

The Trust utilised funds received in previous years and the current year to continue to meet its charitable objectives in the current year.

During the previous year, the Trust purchased a property which will be provided to persons in need, with rent free accommodation, therein advancing the Trust's charitable objectives. The property was purchased in February 2022 for £418,367 and any costs associated in the upkeep of the property will be borne by the Trust or its benefactors. During the year, one of the Trustees met property upkeep costs as a personal donation of £21,866.

During the year, the Trust's accountancy fees were paid by an entity under common control.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 30 APRIL 2023

Financial review

The results for the year are set out in the Statement of Financial Activities for the year on page 5. During the year the Trust had total incoming resources of £822,399 (2022: £1,408,753), comprising mainly of donations received.

Whilst holding unrestricted powers, the Trustees' policy towards investment is designed to maximise security of capital at a time of low interest rates and yields. Consequently, surplus resources have been invested in interestbearing accounts that do not expose the Trust's capital to significant market risk. To date the Trustees have followed a policy of making frequent distributions and they therefore consider it appropriate for surplus funds to be invested into readily realisable deposits. After taking account of direct charitable expenditure amounting to £786,398 (2022: £913,058), including support and governance costs of £23,748 (2022: £1,873), there was a surplus of incoming resources over resources expended of £36,001 (2022: £495,695).

The Statement of Financial Position on page 6 shows the financial position of the Trust as at 30 April 2023.

At that date there was a net asset surplus of £1,228,535 (2022: £1,192,534). The unrestricted fund is applied towards the Trust's charitable objectives and in order to meet the modest operating costs of the Trust.

In accordance with the Trust Deed the endowment fund is expendable at the discretion of the Trustees, that is the capital can be expended when the Trustees so decide, although it is the usual policy of the Trustees to make awards from the unrestricted funds only.

The net assets of the Trust amounted to £1,228,535, which are represented by the balance on the unrestricted funds of £1,228,525 and endowment funds of £10.

The net assets of the Trust’s unrestricted fund are held to further enhance the Trust’s charitable objectives. It is the Trust’s policy to retain free reserves sufficient to cover its grant making commitments for a period of 12 months from the balance sheet date. The Trustees consider that the total closing unrestricted funds of £1,228,525 are adequate to meet such commitments.

Risk statement

The Trustees regularly review the major risks that the Trust faces and believe that maintaining the reserves at appropriate levels, combined with an annual review of the controls over key financial systems, will provide sufficient resources in the face of adverse conditions. The Trustees have also examined the operational and business risks which the Charity faces and consider that the Charity's internal control systems are appropriate, given the size and nature of the operations, to mitigate the significant risks.

The Trustees take great care to research potential benefactors before grants are made. Regarding projects of a capital nature monitoring is undertaken to ensure that the grants made by the Trust achieve their objectives.

Plans for the future

The Trustees believe that grants made to various charities in the year will go some way towards the advancement of education, the relief of poverty and infirmity and such other purposes beneficial to the community. It is anticipated that continued support from the Trustees and entities related thereto will enable the Trust to maintain its level of charitable giving in the foreseeable future.

The Trustees intend, for the foreseeable future, to continue their policy of distributing income within a short period of time from its receipt rather than accumulating reserves for future projects.

Structure, governance and management

The Trust was established by a charitable trust deed on 17 January 2003. The Charity was registered with the Charity Commission on 15 April 2003. On that date Investream Limited settled £10 as the initial sum to establish the Trust.

The Trust's day to day activities are administered by the Trustees, as the Trust employs no staff. The Trustees, who receive no remuneration or benefits for their services, are solely responsible for the consideration and authorisation of the charitable donations made by the Trust.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 30 APRIL 2023

The Trustees who served during the year were:

M Morris G S Morris

The Trustees are responsible for the appointment of further Trustees.

The Trustees' report was approved by the Board of Trustees.

..............................

M Morris

Trustee 29/1/2024 Dated: ....................

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INVESTREAM CHARITABLE TRUST

INDEPENDENT EXAMINER'S REPORT

TO THE TRUSTEES OF INVESTREAM CHARITABLE TRUST

I report to the Trustees on my examination of the financial statements of Investream Charitable Trust (the Trust) for the year ended 30 April 2023.

Responsibilities and basis of report

As the Trustees of the Trust you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (the 2011 Act).

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

Independent examiner's statement

Since the Trust’s gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the 2011 Act. I confirm that I am qualified to undertake the examination because I am a member of , which is one of the listed bodies.

Your attention is drawn to the fact that the charity has prepared financial statements in accordance with Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice issued on 1 April 2005 which is referred to in the extant regulations but has now been withdrawn.

I understand that this has been done in order for financial statements to provide a true and fair view in accordance with Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January 2015.

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

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 financial statements to be reached.

Mark Bailey FCA CTA

Devonshire House 1 Devonshire Street London W1W 5DR 30/1/2024 Dated: .........................

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

STATEMENT OF FINANCIAL ACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 30 APRIL 2023

Unrestricted Endowment
funds
funds
2023
2023
Notes
£
£
Income from:
Donations
4
818,666
-
Activities in furtherance of the Charity's activities
3
3,109
-
Investments
5
624
-
Total income
822,399
-
Expenditure on:
Charitable activities
Education
6
303,652
-
Medical
6
57,500
-
Community and Elderly care
6
425,246
-
Total charitable expenditure
786,398
-
Net income for the year/
Net movement in funds
36,001
-
Fund balances at 1 May 2022
1,192,524
10
Fund balances at 30 April 2023
1,228,525
10
Total
2023
£
818,666
3,109
624
822,399
303,652
57,500
425,246
786,398
36,001
1,192,534
1,228,535
Total
2022
£
1,393,272
15,441
40
1,408,753
361,098
37,800
514,160
913,058
495,695
696,839
1,192,534

The statement of financial activities includes all gains and losses recognised in the year.

All income and expenditure derive from continuing activities.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

STATEMENT OF FINANCIAL POSITION

AS AT 30 APRIL 2023

Notes
Fixed assets
Heritage assets
11
Investment properties
10
Investments
12
Current assets
Debtors falling due after one year
14
Cash at bank and in hand
Current liabilities
15
Net current assets
Total assets less current liabilities
Capital funds
Endowment funds
Income funds
Unrestricted funds
2023
£
£
26,000
35,300
421,739
483,039
500,000
247,996
747,996
(2,500)
745,496
1,228,535
10
1,228,525
1,228,535
2022
£
£
26,000
35,300
421,739
483,039
500,000
211,995
711,995
(2,500)
709,495
1,192,534
10
1,192,524
1,192,534
2022
£
£
26,000
35,300
421,739
483,039
500,000
211,995
711,995
(2,500)
709,495
1,192,534
10
1,192,524
1,192,534
483,039
709,495
1,192,534
10
1,192,524
1,192,534

29/1/2024

The financial statements were approved by the Trustees on .........................

..............................

M Morris Trustee

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 APRIL 2023

1 Accounting policies

Charity information

Investream Charitable Trust is a registered, unincorporated charity.

1.1 Accounting convention

The financial statements have been prepared in accordance with the Trust's [governing document], the Charities Act 2011, FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the Charities SORP "Accounting and Reporting by Charities: 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)" (effective 1 January 2019). The Trust is a Public Benefit Entity as defined by FRS 102.

The Trust has taken advantage of the provisions in the SORP for charities not to prepare a Statement of Cash Flows.

The financial statements have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a true and fair view. This departure has involved following the Statement of Recommended Practice for charities applying FRS 102 rather than the version of the Statement of Recommended Practice which is referred to in the Regulations but which has since been withdrawn.

The financial statements are prepared in pound sterling, which is the functional currency of the Trust. Monetary amounts in these financial statements are rounded to the nearest pound sterling.

The financial statements have been prepared on the historical cost convention. The principal accounting policies adopted are set out below.

1.2 Going concern

At the time of approving the financial statements, the Trustees have a reasonable expectation that the Trust has adequate resources to continue in operational existence for the foreseeable future. Thus the Trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.3 Charitable funds

Unrestricted funds are available for use at the discretion of the Trustees in furtherance of the Trust's charitable objectives unless the funds have been designated for other purposes.

Endowment funds are subject to specific conditions by donors that the capital must be maintained by the Trust.

1.4 Incoming resources

Income is recognised when the Trust is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 30 APRIL 2023

1 Accounting policies

(Continued)

1.5 Resources expended

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement, and the amount of the obligation can be measured reliably.

Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges are allocated on the portion of the asset’s use.

All expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category.

1.6 Investment properties

Investment property, which is property held to earn rental income and/or for capital appreciation, is initially recognised at cost, which includes the purchase cost and any directly attributable expenditure. Subsequently it is measured at fair value as at the reporting end date. The surplus or deficit on revaluation is recognised in profit or loss.

1.7 Heritage assets

Heritage assets are initially measured at transaction price excluding transaction costs. They are considered to have an indefinite useful economic life, and as such are not depreciated, but rather are reviewed at each reporting date for evidence of impairment. If any impairment is recognised, this will be included within net income/(expenditure) during the year.

1.8 Non-current investments

Unlisted investments are initially measured at transaction price excluding transaction costs, and are subsequently measured at fair value at each reporting date. Changes in fair value are recognised in net income/(expenditure) for the year. Transaction costs are expensed as incurred.

Programme related investments are investments which are held at cost for the furtherance of the Trust's objectives.

1.9 Cash and cash equivalents

Cash and cash equivalents include cash in hand and deposits held at call with banks.

1.10 Financial instruments

The Trust has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the Trust's balance sheet when the Trust becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 30 APRIL 2023

1 Accounting policies

(Continued)

Basic financial assets

Basic financial assets, which include other receivables and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

Basic financial liabilities

Basic financial liabilities, including other payables are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future receipts discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

Derecognition of financial liabilities

Financial liabilities are derecognised when the Trust’s contractual obligations expire or are discharged or cancelled.

1.11 Foreign exchange

Monetary assets and liabilities denominated in foreign currencies are translated into pound sterling at the rates of exchange ruling at the balance sheet date. Transactions in foreign currencies are recorded at the rate ruling at the date of the transaction. All differences are taken to the Statement of Financial Activities.

1.12 Governance costs

Governance costs comprise of bank charges and accountancy fees.

1.13 Social investments

Social investments are initially measured at transaction price including transaction costs.

Social investments arise when the Trust provides financial support in the form of interest free loans to other entities in order to further the Trust's charitable aims.

The expectation is that the loans will be repaid. The Trustees review the loans annually and if there is a risk of non-payment, an impairment provision is made.

2 Critical accounting estimates and judgements

In the application of the Trust’s accounting policies, the Trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

The Trust recognises its investment properties at fair value. These properties have been held at cost but compared to on an open value at 30 April 2023 by the Trustees. The Trustees believe that the cost was materially equivalent to the open market value at the balance sheet date.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 30 APRIL 2023

3 Activities in furtherance of the Charity's activities

Rental Rental
income income
2023 2022
£ £
Charitable rental income 3,109 15,441

4 Donations

**Unrestricted ** Unrestricted
funds funds
2023 2022
£ £
Donations and gifts 795,000 1,390,000
Donated services 23,666 3,272
5 Investments
Unrestricted Total
funds
2023 2022
£ £
Interest receivable 624 40
6 Grants payable
Education **Medical ** Community
Total
Total
and Elderly
2023
2022
care
£ £ £ £ £
Grants to institutions:
Other 301,770 57,500 403,380 762,650 911,185

All grants payable were made to charitable institutions. Of these, grants totalling more than £30,000 of charitable expenditure were made to Achisomoch Aid Company Limited (£180,000), Moreshet Hatorah (£101,000), The Belz Foundation (£83,000), Chana Charity (£47,500), Torah & Chesed (£37,000) and Work Avenue (£35,000). All other grants totalled £279,150.

7 Trustees

None of the Trustees (or any persons connected with them) received any remuneration or benefits from the Trust during the year.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 30 APRIL 2023

8 Support and governance costs

Support costs
Audit fees
Independent examination fees
Bank charges
Analysed as
Charitable activities
2023
£
21,866
-
1,800
82
23,748
23,748
2022
£
-
1,800
-
73
1,873
1,873

9 Employees

There were no employees during the year.

10 Investment property

Investment property
2023
£
Fair value
At 1 May 2022 and 30 April 2023 35,300

The investment property represents a 5% holding in a commercial property in Hamilton, Lanarkshire. At the year end, the Trustees have determined the fair value of the investment to be equal to its original acquisition cost.

11 Heritage assets

Heritage asset
£
At 1 May 2022 and at 30 April 2023 26,000

The Trust has purchased two Sefer Torahs to further its charitable objectives. The first was purchased in the year ended 30 April 2018 for a cost of £11,250, and the second was purchased in the year ended 30 April 2020 for £14,750.

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 30 APRIL 2023

12 Fixed asset investments

Unlisted
investments
Programme
related
investments
£
£
Cost or valuation
At 1 May 2022 & 30 April 2023
100
421,639
Carrying amount
At 30 April 2023
100
421,639
At 30 April 2022
100
421,639
13
Financial instruments
2023
£
Carrying amount of financial assets
Debt instruments measured at amortised cost
500,000
Equity instruments measured at cost less impairment
421,739
Carrying amount of financial liabilities
Measured at amortised cost
2,500
14
Trade and other receivables
2023
Amounts falling due after more than one year:
£
Other receivables
500,000
Total
£
421,739
421,739
421,739
2022
£
500,000
421,739
2,500
2022
£
500,000

Debtors due after more than one year comprise a loan of £500,000 (2022: £500,000). The loan is interest free and repayable within 90 days of notice, given by the Trust to Redbourne Avenue LLP, although it is not the Trustees' intention to give notice within twelve months from the balance sheet date. The loan is regarded as a social investment because it has been made to meet the charitable objectives of the Trust.

15 Current liabilities

Other payables
Accruals and deferred income
2023
£
100
2,400
2,500
2022
£
100
2,400
2,500

DocuSign Envelope ID: 0E1E0716-6B93-46C7-BE22-E1BBF911AF3F

INVESTREAM CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 30 APRIL 2023

16 Analysis of net assets between funds

Analysis of net assets between funds
Unrestricted
funds
Endowment
funds
£
£
Fund balances at 30 April 2023 are represented by:
Heritage assets
26,000
-
Investment properties
35,300
-
Investments
421,739
-
Current assets/(liabilities)
245,486
10
Non-current assets
500,000
-
1,228,525
10
Total
£
26,000
35,300
421,739
245,496
500,000
1,228,535

The Trust was settled with £10 as the intial sum to establish the Trust.

17 Related party transactions

Remuneration of key management personnel

No key management personnel were remunerated during the year.

Transactions with related parties

During the year, the trust received donations totalling £500,000 (2022: £1,100,000) from Mark Morris, who is a trustee. The trust received a further £170,000 from entities under common control (2022: £nil).

At the year end the Trust was owed £500,000 by an entity in which the Trust has a membership interest (2022: £500,000). The loan is regarded as a social investment, per note 14.