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2023-08-31-accounts

DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

CHARITY REGISTRATION NUMBER: 1099593

Peninim Charity Trust

Unaudited Financial Statements

31 August 2023

COHEN ARNOLD Chartered Accountant New Burlington House 1075 Finchley Road LONDON NW11 0PU

DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Financial Statements

Year ended 31 August 2023

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

DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Trustees' Annual Report

Year ended 31 August 2023

The trustees present their report and the unaudited financial statements of the charity for the year ended 31 August 2023.

Reference and administrative details

Registered charity name Peninim Charity Trust Charity registration number 1099593 Principal office The trustees Mr S Giffen Mr B Caplan Mrs B Itzinger Mr E Itzinger Mrs R Gancz Independent examiner David Goldberg, FCA DChA New Burlington House 1075 Finchley Road LONDON NW11 0PU

Structure, governance and management

Structure

The charity is governed by a Trust Deed dated 11th August 2003.

Government and management

The Trust Deed provides for a minimum of three trustees. Were there a requirement for new trustees, these would be identified and appointed by the existing trustees.

Objectives and activities

Objectives

The supporting of institutions advancing or providing Jewish religious education in accordance with orthodox tenets of the Jewish religion.

Activities

The charity owns a freehold property which is being used as a facility for providing the local community with a venue at which various educational activities are held. These include lectures, study rooms, youth groups, library and prayer rooms. The charity makes grants to various institutions which are identified by the trustees as advancing the objectives of the charity.

Public benefit

The trustees have considered the Charity Commission's guidance on public benefit and consider that the charity conforms with them.

Achievements and performance

During the year the charity gave £162k of grants to over ninety organisations and institutions.

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Trustees' Annual Report (continued)

Year ended 31 August 2023

Financial review

The trustees have set a policy that the funds pending distribution be invested so as to maximise the total return with a low level of risk.

The trustees' annual report was approved on 26 March 2024 and signed on behalf of the board of trustees by:

| MyDocuSigned € ltaiugerby: 2B381B8F303B4D2... Mr E Itzinger

Trustee

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Independent Examiner's Report to the Trustees of Peninim Charity Trust

Year ended 31 August 2023

I report to the trustees on my examination of the financial statements of Peninim Charity Trust ('the charity') for the year ended 31 August 2023.

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.

David Goldberg, FCA DChA [DavidDocuSignedBC6977A458CD499... Lallbery by:

Cohen Arnold New Burlington House 1075 Finchley Road LONDON NW11 0PU

26 March 2024

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Statement of Financial Activities

Year ended 31 August 2023

2023 2022
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations 4 152,250 250 152,500 103,171
Charitable activities 5 12,000 12,000 12,000
Investment income 6 17 17
Other income 7 50,423 50,423 78,125
------------------------------------- ---------------- ------------------------------------- -------------------------------------
Total income 214,690 250 214,940 193,296
===================================== ================ ===================================== =====================================
Expenditure
Expenditure on raising funds:
Investment management costs 8 11,100
Expenditure on charitable activities 9,10 260,850 250 261,100 200,019
------------------------------------- ---------------- ------------------------------------- -------------------------------------
Total expenditure 260,850 250 261,100 211,119
===================================== ================ ===================================== =====================================
------------------------------------- ---------------- ------------------------------------- -------------------------------------
Net expenditure (46,160) (46,160) (17,823)
===================================== ================ ===================================== =====================================
Other recognised gains and losses
Fair value movements 124,089
------------------------------------- ---------------- ------------------------------------- -------------------------------------
Net movement in funds (46,160) (46,160) 106,266
Reconciliation of funds
Total funds brought forward 2,259,695 2,259,695 2,153,429
----------------------------------------------- ---------------- ----------------------------------------------- -----------------------------------------------
Total funds carried forward 2,213,535 2,213,535 2,259,695
=============================================== ================ =============================================== ===============================================

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 6 to 13 form part of these financial statements.

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Statement of Financial Position

31 August 2023

2023 2022
Note £ £
Fixed assets
Tangible fixed assets 16 2,609,795 2,611,660
Current assets
Debtors 17 1,983 14,307
Cash at bank and in hand 577 94,472
-------------------------- -------------------------------------
2,560 108,779
Creditors: amounts falling due within one year 18 73,236 106,346
------------------------------- -------------------------------------
Net current liabilities (70,676) 2,433
----------------------------------------------- -----------------------------------------------
Total assets less current liabilities 2,539,119 2,614,093
Creditors: amounts falling due after more than one year 19 325,584 354,398
----------------------------------------------- -----------------------------------------------
Net assets 2,213,535 2,259,695
=============================================== ===============================================
Funds of the charity
Unrestricted funds 2,213,535 2,259,695
----------------------------------------------- -----------------------------------------------
Total charity funds 20 2,213,535 2,259,695
=============================================== ===============================================

These financial statements were approved by the board of trustees and authorised for issue on 26 March 2024, and are signed on behalf of the board by:

| MyDocuSigned € ltaiugerby: 2B381B8F303B4D2... Mr E Itzinger

Trustee

The notes on pages 6 to 13 form part of these financial statements.

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements

Year ended 31 August 2023

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 51 Bridge Lane, London, NW11 0ED.

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.

Disclosure exemptions

The entity satisfies the criteria of being a qualifying entity as defined in FRS 102. As such, advantage has been taken of the following disclosure exemptions available under paragraph 1.12 of FRS 102:

(a) No cash flow statement has been presented for the company.

(b) Disclosures in respect of financial instruments have not been presented.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

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 assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible 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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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

3. Accounting policies (continued)

Tangible 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

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 and fittings

No depreciation is provided in respect of freehold property as the trustees consider that this accounting policy results in the Financial Statements giving a true and fair view.

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.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

4. Donations

Donations
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Donations
Donations 152,250 250 152,500
===================================== ================ =====================================
Unrestricted Restricted Total Funds
Funds Funds 2022
£ £ £
Donations
Donations 89,371 13,800 103,171
=============================== =============================== =====================================

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

5. Charitable activities

5. Charitable activities
Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Income from non-investment property
in furtherance of the charity's objects 12,000 12,000 12,000 12,000
=============================== =============================== =============================== ===============================
6. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Bank interest receivable 17 17
================ ================ ================ ================
7. Other income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Gift aid 2,502 2,502
Exchange (loss) profit (1,143)
(1,143)
Other income 51,566 51,566 75,623 75,623
------------------------------- ------------------------------- ------------------------------- -------------------------------
50,423 50,423 78,125 78,125
=============================== =============================== =============================== ===============================
8. Investment management costs
Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Investment property expenses 11,100 11,100
================ ================ =============================== ===============================
9. Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Charitable activities 244,628 250 244,878
Support costs 16,222 16,222
------------------------------------- ---------------- -------------------------------------
260,850 250 261,100
===================================== ================ =====================================
Unrestricted Restricted Total Funds
Funds Funds 2022
£ £ £
Charitable activities 170,096 13,800 183,896
Support costs 16,123 16,123
------------------------------------- ------------------------------- -------------------------------------
186,219 13,800 200,019
===================================== =============================== =====================================

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

10. Expenditure on charitable activities by activity type

Activities Grant
undertaken funding of Total funds Total fund
directly activities Support costs 2023 2022
£ £ £ £ £
Charitable activities 82,421 162,457
9,092
253,970 190,259
Governance costs
7,130
7,130 9,760
------------------------------- ------------------------------------- ------------------------------- ------------------------------------- -------------------------------------
82,421 162,457
16,222
261,100 200,019
=============================== ===================================== =============================== ===================================== =====================================

11. Analysis of grants

Analysis of grants
2023
£
Chabad Lubavitch 6,065
College for Higher Rabinical Studies 5,000
Congregation Sharei Sholom Tchabe Ltd 5,000
Federation of Jewish communities 55,858
Friends of Gaon Yakov 8,000
Kahal Chasidim 5,000
Keren Shmuel 12,655
Lubavitch of Bournemouth 8,850
Yeshiva Gedola of Rockland 10,324
Yom Tov Assistance Fund 5,400
Sundry grants (under £5,000) 40,305
-------------------------------------
162,457
=====================================

Grants were made to institutions in the fields of religion, education and the relief of poverty.

12. Net expenditure

Net expenditure is stated after charging/(crediting):

Net expenditure is stated after charging/(crediting):
2023 2022
£ £
Depreciation of tangible fixed assets 3,265 3,887
========================== ==========================
13. Independent examination fees
2023 2022
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 4,800
==========================
5,400
==========================

14. Staff costs

No salaries or wages have been paid to employees during the year.

The average head count of employees during the year was Nil (2022: Nil).

No employee received employee benefits of more than £60,000 during the year (2022: Nil).

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

15. Trustee remuneration and expenses

There was no remuneration paid to trustees. The charity did not meet any individual expenses incurred by the trustees for services provided to the charity.

16. Tangible fixed assets

16. Tangible fixed assets
Freehold Fixtures and
property fittings Total
£ £ £
Cost
At 1 September 2022 2,600,000 56,526 2,656,526
Additions 1,400 1,400
----------------------------------------------- ------------------------------- -----------------------------------------------
At 31 August 2023 2,600,000 57,926 2,657,926
=============================================== =============================== ===============================================
Depreciation
At 1 September 2022 44,866 44,866
Charge for the year 3,265 3,265
----------------------------------------------- ------------------------------- -----------------------------------------------
At 31 August 2023 48,131 48,131
=============================================== =============================== ===============================================
Carrying amount
At 31 August 2023 2,600,000 9,795 2,609,795
=============================================== =============================== ===============================================
At 31 August 2022 2,600,000 11,660 2,611,660
=============================================== =============================== ===============================================
17. Debtors
2023 2022
£ £
Prepayments and accrued income 1,983 5,500
Other debtors 8,807
-------------------------- -------------------------------
1,983 14,307
========================== ===============================
18. Creditors: amounts falling due within one year
2023 2022
£ £
Bank loans 30,000 30,000
Accruals and deferred income 6,600 5,400
Other creditors 36,636 70,946
------------------------------- -------------------------------------
73,236 106,346
=============================== =====================================

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

19. Creditors: amounts falling due after more than one year

2023 2022
£ £
Bank loans and overdrafts 325,584
354,398
===================================== =====================================
Analysis of charitable funds
Unrestricted funds
At At
1 September Gains and
31 August
2022 Income Expenditure losses
2023
£ £ £ £ £
General funds 1,848,106 214,690 (260,850)
1,801,946
Fair value reserve 411,589
411,589
----------------------------------------------- ------------------------------------- ------------------------------------- ---------------- -----------------------------------------------
2,259,695 214,690 (260,850)
2,213,535
=============================================== ===================================== ===================================== ================ ===============================================
At
1 September Gains and
At 31 August
2021 Income Expenditure losses
2022
£ £ £ £ £
General funds 1,865,929 179,496 (197,319)
1,848,106
Fair value reserve 287,500 124,089
411,589
----------------------------------------------- ------------------------------------- ------------------------------------- ------------------------------------- -----------------------------------------------
2,153,429 179,496 (197,319) 124,089
2,259,695
=============================================== ===================================== ===================================== ===================================== ===============================================
Restricted funds
At At
1 September Gains and
31 August
2022 Income Expenditure losses
2023
£ £ £ £ £
Restricted Fund 250 (250)
================ ================ ================ ================ ================
At
1 September Gains and
At 31 August
2021 Income Expenditure losses
2022
£ £ £ £ £
Restricted Fund 13,800 (13,800)
================ =============================== =============================== ================ ================

20. Analysis of charitable funds

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DocuSign Envelope ID: 3A253555-11DD-459B-A4F3-839A0E904C79

Peninim Charity Trust

Notes to the Financial Statements (continued)

Year ended 31 August 2023

21. Analysis of net assets between funds

Analysis of net assets between funds
Unrestricted Total Funds
Funds 2023
£ £
Tangible fixed assets 2,609,795 2,609,795
Current assets 2,560 2,560
Creditors less than 1 year (73,236)
(73,236)
Creditors greater than 1 year (325,584)
(325,584)
----------------------------------------------- -----------------------------------------------
Net assets 2,213,535 2,213,535
=============================================== ===============================================
Unrestricted Total Funds
Funds 2022
£ £
Tangible fixed assets 2,611,660 2,611,660
Current assets 108,779 108,779
Creditors less than 1 year (106,346)
(106,346)
Creditors greater than 1 year (354,398)
(354,398)
----------------------------------------------- -----------------------------------------------
Net assets 2,259,695 2,259,695
=============================================== ===============================================

22. Related parties

Included in other creditors is £36,236 due to trustees (2022: £69,529). Included in total donations is £28,020 received from trustees (2022: £14,000).

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