## **Trustees’ Annual Report for the period** 

**From 01-04-2024     To 31-03-2025** 

**Charity name: Urban Development Foundation** 

**Charity registration number: 1105249** 

## **Objectives and Activities** 

||SORP<br>reference||
|---|---|---|
|Summary of the purposes<br>of the charity as set out in<br>its governing document|Para 1.17|To promote any charitable purpose for the benefit<br>of the community in Birmingham City and<br>surrounding areas (herein after called the area of<br>benefit in particular), to advance education,<br>promote multi-Faith religious activities, relieve<br>poverty and sickness by associating together with<br>representatives of the community, statutory<br>authorities, and other organisations in the area of<br>benefit.|
|Summary of the main<br>activities in relation to<br>those purposes for the<br>public benefit, in<br>particular, the activities,<br>projects or services<br>identified in the accounts.|Para 1.17<br>and 1.19|provide a consistent and trusted presence across<br>East Birmingham. As an anchor organisation, our<br>focus has remained on tackling inequality,<br>building community strength, and backing locally<br>led grassroots groups. Our approach centres on<br>practical collaboration, bringing residents and<br>organisations together to respond to real issues<br>and deliver change that is shaped by the<br>community itself.<br>Services programme concluded in the previous<br>year, the pressures it addressed have intensified.<br>The ongoing cost-of-living crisis has<br>disproportionately affected BAME communities,<br>particularly households already facing financial<br>hardship. We are seeing more people seek<br>personalised advice and clear, practical guidance<br>on finances and housing. Within our limited<br>capacity, UDF has continued to respond to<br>urgent cases, helping prevent situations from<br>worsening.<br>vital strand of our work. UDF continues to reach<br>individuals who may face barriers to accessing<br>mainstream services. By maintaining a safe,<br>confidential, and culturally sensitive space, we<br>have enabled survivors to come forward, access<br>(1 Over the past year, UDF has continued to<br>(] Although our Financial and Housing Advisory<br>(] Addressing domestic abuse has remained a|





|||appropriate support, and take steps towards<br>greater safety and independence. This work<br>continues to have a significant impact on people<br>whose experiences often remain unseen.<br>�  Our involvement in environmental awareness<br>through the Clean Air Community Initiative has<br>led to greater understanding of air quality, health<br>impacts, and low-carbon living within the<br>community. While the project itself has now<br>concluded, its influence continues through<br>increased awareness and ongoing conversations<br>among residents about protecting their local<br>environment.<br>�  As we move forward, UDF has secured new<br>funding to expand our cost-of-living support for<br>BAME communities, with a particular emphasis<br>on older residents aged 50 and over. This work<br>prioritises individuals who are unemployed,<br>retired, living alone, or living with disabilities. By<br>providing accessible information, tailored advice,<br>and practical support, we aim to help people<br>manage rising costs more effectively and improve<br>their overall quality of life.|
|---|---|---|
|Statement confirming<br>whether the trustees have<br>had regard to the<br>guidance issued by the<br>Charity Commission on<br>public benefit|Para 1.18|The trustees confirm that all decisions made, are<br>in line with the guidance issued by the Charity<br>Commission on public benefit.|



**Additional information (optional)** You may choose to include further statements where relevant about: 

||SORP reference||
|---|---|---|
|Policy on grant making|Para 1.38|We are not a grant making organisation<br>and do not plan to make any grants.<br>If the trustees do decide to make any<br>grants, then a policy and procedures would<br>be set before any funds are administered.|
|Policy on social investment<br>including program related<br>investment|Para 1.38|Trustees had not considered any social<br>investment at present.|
|Contribution made by<br>volunteers|Para 1.38|The Urban Development Foundation is<br>grateful to all the volunteers who have<br>assisted the trust with their valuable time,<br>effort, and expertise. We would not have<br>been able to source the provisions required<br>or deliver them to those in need without the<br>volunteers'commitment and dedication.|
|Other|||





## **Achievements and Performance** 

||SORP reference||
|---|---|---|
|Summary of the main<br>achievements of the charity,<br>identifying the difference the<br>charity’s work has made to<br>the circumstances of its<br>beneficiaries and any wider<br>benefits to society as a<br>whole.|Para 1.20|Over the year, the charity has delivered<br>meaningful progress across several key<br>areas, making a clear and practical<br>difference to the lives of individuals and the<br>wider community.<br>•<br>As an anchor organisation within the<br>Levelling Up Programme, UDF has<br>remained firmly committed to<br>reducing regional inequalities and<br>unlocking community potential,<br>particularly across East<br>Birmingham. By strengthening local<br>resilience and supporting grassroots<br>organisations, UDF helps<br>communities shape their own<br>futures and work towards fairer<br>social and economic outcomes.<br>•<br>The rising cost of living continues to<br>place significant pressure on BAME<br>communities, especially those from<br>low-income backgrounds. UDF has<br>responded by providing essential<br>information, advice, and practical<br>support that helps individuals regain<br>stability and confidence. Despite<br>growing demand and increased<br>financial pressures, the charity has<br>continued to meet need wherever<br>possible, demonstrating a strong<br>commitment to those most affected.<br>•<br>UDF recognises domestic abuse as<br>a serious and complex issue that<br>affects individuals regardless of<br>gender. The charity provides safe,<br>trusted spaces where victims can<br>seek support, understand their<br>options, and access appropriate<br>referrals. This work plays a vital role<br>in helping people move towards<br>safety, dignity, and long-term<br>wellbeing.<br>•<br>Through its environmental work and<br>the Clean Air Community Initiative,<br>UDF has raised awareness of air<br>quality, environmental health, and<br>low-carbon living. By delivering<br>workshops, community monitoring,<br>clean-up activities, and partnership<br>work, the charity has helped<br>residents better understand<br>environmental risks and take<br>practical steps towards healthier,<br>more sustainable neighbourhoods.|





• UDF also delivers targeted cost-ofliving information, advice, and guidance for BAME residents aged 50 and above in Birmingham. This work focuses on individuals who are retired, unemployed, living alone, or living with disabilities. By improving access to clear information and practical resources, the programme supports financial resilience and improves quality of life for older members of the community. Overall, the charity’s work reflects a strong and consistent commitment to tackling inequality, supporting vulnerable people, and creating positive, lasting change at a community level. 

## **Additional information (optional)** You may choose to include further statements where relevant about: 

|Achievements against<br>objectives set|Para 1.41|-<br>The charity has met its objectives<br>through sustained, hands-on<br>engagement with local communities.<br>Its work to reduce regional<br>inequalities has been delivered<br>alongside practical financial and<br>housing support for BAME<br>residents, targeted action to<br>address domestic abuse, and<br>community-led initiatives tackling air<br>quality and environmental concerns.<br>In addition, the charity has<br>empowered older people with clear,<br>practical cost-of-living guidance.<br>Together, these achievements<br>demonstrate a clear commitment to<br>protecting vulnerable groups and<br>delivering meaningful, positive<br>change across the communities it<br>serves.|
|---|---|---|
|Performance of fundraising<br>activities against objectives<br>set|Para 1.41|Fundraising performance during the year<br>met the objectives set. The charity<br>successfully secured funding from a range<br>of sources, meeting and in some areas<br>surpassing its targets. Strong donor<br>engagement, the broadening of fundraising<br>activity, and close alignment with strategic<br>priorities contributed to increased income<br>and improved financial stability. This<br>performance has supported the charity’s<br>ability to respond to community needs and<br>deliver its core services effectively.|
|Investment performance<br>against objectives|Para 1.41|As of the current period, the charity has not<br>made any investments, therefore there are|





no investment performance metrics to evaluate against objectives. Other 

## **Financial Review** 

|Review of the charity’s<br>financial position at the end<br>of the period|Para 1.21|At the end of the period, the charity was in<br>a stable financial position. Income and<br>expenditure were managed carefully, with<br>funds directed towards delivering core<br>activities and supporting priority community<br>needs. The charity maintained appropriate<br>financial controls and oversight, ensuring<br>resources were used effectively and in line<br>with its objectives. While financial<br>pressures remain due to increased demand<br>for services, the charity’s financial position<br>allows it to continue operating responsibly<br>and to plan for future activity with<br>confidence.|
|---|---|---|
|Statement explaining the<br>policy for holding reserves<br>stating why they are held|Para 1.22|The charity holds reserves to ensure<br>financial stability and continuity of services.<br>Reserves are maintained to manage cash<br>flow, cover unforeseen costs, and protect<br>the charity against delays or shortfalls in<br>funding. Holding appropriate reserves<br>enables the charity to meet its<br>commitments, respond to unexpected<br>demand, and continue delivering essential<br>services to vulnerable communities. The<br>level of reserves is reviewed regularly by<br>the trustees to ensure it remains<br>appropriate and proportionate to the<br>charity’s size, activities, and risk profile.|
|Amount of reserves held|Para 1.22|**£17,710.87**|
|Reasons for holding zero<br>reserves|Para 1.22||
|Details of fund materially in<br>deficit|Para 1.24|**None**|
|Explanation of any<br>uncertainties about the<br>charity continuing as a going<br>concern|Para 1.23|The trustees have reviewed the charity’s<br>financial position and future funding<br>prospects and are satisfied that there are<br>no material uncertainties that cast<br>significant doubt on the charity’s ability to<br>continue as a going concern. While the<br>charity operates in a challenging funding<br>environment and demand for services<br>remains high, it has appropriate financial<br>controls in place and continues to actively<br>seek funding to support its activities. On<br>this basis, the trustees believe the charity is|
|||The trustees have reviewed the charity’s|
|||financial position and future funding|
|||prospects and are satisfied that there are|
|||no material uncertainties that cast|
|||significant doubt on the charity’s ability to|
|||continue as a going concern. While the|
|||charity operates in a challenging funding|
|||environment and demand for services|
|||remains high, it has appropriate financial|
|||controls in place and continues to actively|
|||seek funding to support its activities. On|
|||this basis, the trustees believe the charity is|





well placed to continue operating for the foreseeable future. 

## **Additional information (optional)** 

|**Additional information (optional)**|**Additional information (optional)**||
|---|---|---|
|You may choose to include further statements||where relevant about:|
|The charity’s principal<br>sources of funds (including<br>any fundraising)|Para 1.47|The charity’s principal sources of funds<br>include grants from statutory bodies,<br>donations from individuals and corporate<br>supporters, and income from fundraising<br>activities and community events. These<br>sources provide the core funding required<br>to deliver the charity’s programmes and<br>support its ongoing work within the<br>community.|
|Investment policy and<br>objectives including any<br>social investment policy<br>adopted|Para 1.46|The charity's investment policy aims to<br>achieve long-term financial growth while<br>aligning with its mission and values.<br>Objectives include prudent risk<br>management, capital preservation, and<br>generating sustainable returns to support<br>charitable activities. Additionally, the charity<br>may adopt a social investment policy,<br>prioritising investments that generate both<br>financial returns and positive social or<br>environmental impact. This approach<br>reflects the charity's commitment to<br>responsible investing and maximising its<br>contributions to society beyond financial<br>gains.|
|A description of the principal<br>risks facing the charity|Para 1.46|The charity faces several principal risks,<br>including fluctuations in funding, economic<br>uncertainties, operational challenges,<br>regulatory changes, and reputational risks.<br>These risks could impact the charity's<br>financial stability, ability to deliver services,<br>compliance with regulations, and public<br>trust. Additionally, external factors such as<br>political developments or natural disasters<br>may pose further risks. Mitigation strategies<br>involve diversifying funding sources,<br>implementing robust financial management<br>practices, staying informed about<br>regulatory changes, and maintaining<br>transparent communication with<br>stakeholders. Overall, proactive risk<br>management is essential to safeguard the<br>charity's mission and long-term<br>sustainability.|
|Other|||



**Structure, Governance and Management** 



|Description of charity’s<br>trusts:||None|
|---|---|---|
|Type of governing document<br>(trust deed, royal charter)|<br>Para 1.25|Constitution (adopted). 2ndApril 2004|
|How is the charity<br>constituted?<br>(e.g unincorporated<br>association, CIO)|Para 1.25|Trust Deed|
|Trustee selection methods<br>including details of any<br>constitutional provisions e.g.<br>election to post or name of<br>any person or body entitled<br>to appoint one or more<br>trustees|Para 1.25|A trustee must be appointed by a<br>resolution passed at a trustee meeting of<br>the foundation. In selecting individuals for<br>appointment as charity trustees, the charity<br>trustees must have regard to the skills,<br>knowledge, and experience needed for the<br>effective administration of the CIO and<br>their legal obligation.|



**Additional information (optional)** You may choose to include further statements where relevant about: 

||||
|---|---|---|
|Policies and procedures<br>adopted for the induction<br>and training of trustees|Para 1.51|The Chair of Trustees has taken<br>responsibility for ensuring that the<br>induction process is carried out. A training<br>program will be developed to ensure that<br>any newly appointed trustee will receive<br>training on all matters necessary to enable<br>them to perform their duties effectively.<br>This will be tailored to their specific needs<br>but, unless the appointee is already<br>sufficiently experienced, should cover, as a<br>minimum: governance and management;<br>equal opportunities; a thorough<br>introduction to the history and current<br>activities of the organisation; a sufficient<br>explanation of the charity's financial<br>accounts and reporting procedures to<br>enable them to exercise effective fiscal<br>oversight; an explanation of all charity<br>policies, including those relating to trustee<br>expenses and how they can be claimed. If<br>the new trustee is to take on any specific<br>duties, training needs in relation to these<br>should also be assessed. It is acknowledged<br>that trustees have a wide range of other<br>commitments, and every effort will be<br>made to make this training accessible to<br>the individual by arranging it to be<br>conducted at times convenient to them.|
|The charity’s organisational<br>structure and any wider<br>network with which the<br>charity works|Para 1.51|Urban Development Foundation networks<br>with local organisations and faith-based<br>groups in the area. It is also developing<br>wider relations with national and<br>international charities. Urban Development|





|||Foundation attends local network meetings<br>arranged byBVSC.|
|---|---|---|
|Relationship with any<br>related parties|Para 1.51|None|
|Other|||



## **Reference and Administrative details** 

|Charity name|Urban Development Foundation|
|---|---|
|Other name the charity uses||
|Registered charity number|1105249|
|Charity’s principal address|111 Wells Green Road<br>Solihull<br>B92-7PQ|
|||



**Names of the charity trustees who manage the charity** 

|1<br>2<br>3|**Trustee name**|**Office (if any)**|**Dates acted if not for**<br>**whole year**|**Name of person (or body)**<br>**entitled to appoint trustee**<br>**(ifany)**|
|---|---|---|---|---|
||Mr. Kabir Ahmed|Chairman|||
||Mr. Mohammed<br>Iqbal|Treasurer|||
||Mr. Delwar Hussain|Secretary|||
||Mr.Ryan Quddus|Trustee|||



## – Corporate trustees names of the directors at the date the report was approved 

**Director name** None 

Name of trustees holding title to property belonging to the charity 

|**Trustee name**|**Dates acted if not for wholeyear**||
|---|---|---|
|None|||
||||
||||
||||
||||
||||



**Funds held as custodian trustees on behalf of others** 



Description of the assets None held in this capacity 

Name and objects of the N/A charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for N/A safe custody and segregation of such assets from the charity’s own assets 

## **Additional information (optional)** 

## **Names and addresses of advisers (Optional information)** 

**Type of Name Address adviser** 

**Name of chief executive or names of senior staff members (Optional information)** 

## **Exemptions from disclosure** 

Reason for non-disclosure of key personnel details 

N/A 

## **Other optional information** 

UDF's annual return submissions for the years 2021 and 2022 were initially submitted on time. However, due to a financial error, the Charity Commission was contacted to rectify this issue. Consequently, the accounts had to be resubmitted, leading to an alteration in the submission date. We are providing this explanation to inform funders who may otherwise reject our grant application during initial due diligence. 

## **Declarations** 

**The trustees declare that they have approved the trustees’ report above.** 

**Signed on behalf of the charity’s trustees** 

**Signature(s)** Ka b ir Ah m e d **Full name(s)** Kabir Ahmed **Position (eg Secretary,** Chairman **Chair, etc) Date** 25th December 2025 



## **Trustees’ Annual Report for the period** 

**From 01-04-2024     To 31-03-2025** 

**Charity name: Urban Development Foundation** 

**Charity registration number: 1105249** 

## **Objectives and Activities** 

||SORP<br>reference||
|---|---|---|
|Summary of the purposes<br>of the charity as set out in<br>its governing document|Para 1.17|To promote any charitable purpose for the benefit<br>of the community in Birmingham City and<br>surrounding areas (herein after called the area of<br>benefit in particular), to advance education,<br>promote multi-Faith religious activities, relieve<br>poverty and sickness by associating together with<br>representatives of the community, statutory<br>authorities, and other organisations in the area of<br>benefit.|
|Summary of the main<br>activities in relation to<br>those purposes for the<br>public benefit, in<br>particular, the activities,<br>projects or services<br>identified in the accounts.|Para 1.17<br>and 1.19|provide a consistent and trusted presence across<br>East Birmingham. As an anchor organisation, our<br>focus has remained on tackling inequality,<br>building community strength, and backing locally<br>led grassroots groups. Our approach centres on<br>practical collaboration, bringing residents and<br>organisations together to respond to real issues<br>and deliver change that is shaped by the<br>community itself.<br>Services programme concluded in the previous<br>year, the pressures it addressed have intensified.<br>The ongoing cost-of-living crisis has<br>disproportionately affected BAME communities,<br>particularly households already facing financial<br>hardship. We are seeing more people seek<br>personalised advice and clear, practical guidance<br>on finances and housing. Within our limited<br>capacity, UDF has continued to respond to<br>urgent cases, helping prevent situations from<br>worsening.<br>vital strand of our work. UDF continues to reach<br>individuals who may face barriers to accessing<br>mainstream services. By maintaining a safe,<br>confidential, and culturally sensitive space, we<br>have enabled survivors to come forward, access<br>(1 Over the past year, UDF has continued to<br>(] Although our Financial and Housing Advisory<br>(] Addressing domestic abuse has remained a|





|||appropriate support, and take steps towards<br>greater safety and independence. This work<br>continues to have a significant impact on people<br>whose experiences often remain unseen.<br>�  Our involvement in environmental awareness<br>through the Clean Air Community Initiative has<br>led to greater understanding of air quality, health<br>impacts, and low-carbon living within the<br>community. While the project itself has now<br>concluded, its influence continues through<br>increased awareness and ongoing conversations<br>among residents about protecting their local<br>environment.<br>�  As we move forward, UDF has secured new<br>funding to expand our cost-of-living support for<br>BAME communities, with a particular emphasis<br>on older residents aged 50 and over. This work<br>prioritises individuals who are unemployed,<br>retired, living alone, or living with disabilities. By<br>providing accessible information, tailored advice,<br>and practical support, we aim to help people<br>manage rising costs more effectively and improve<br>their overall quality of life.|
|---|---|---|
|Statement confirming<br>whether the trustees have<br>had regard to the<br>guidance issued by the<br>Charity Commission on<br>public benefit|Para 1.18|The trustees confirm that all decisions made, are<br>in line with the guidance issued by the Charity<br>Commission on public benefit.|



**Additional information (optional)** You may choose to include further statements where relevant about: 

||SORP reference||
|---|---|---|
|Policy on grant making|Para 1.38|We are not a grant making organisation<br>and do not plan to make any grants.<br>If the trustees do decide to make any<br>grants, then a policy and procedures would<br>be set before any funds are administered.|
|Policy on social investment<br>including program related<br>investment|Para 1.38|Trustees had not considered any social<br>investment at present.|
|Contribution made by<br>volunteers|Para 1.38|The Urban Development Foundation is<br>grateful to all the volunteers who have<br>assisted the trust with their valuable time,<br>effort, and expertise. We would not have<br>been able to source the provisions required<br>or deliver them to those in need without the<br>volunteers'commitment and dedication.|
|Other|||





## **Achievements and Performance** 

||SORP reference||
|---|---|---|
|Summary of the main<br>achievements of the charity,<br>identifying the difference the<br>charity’s work has made to<br>the circumstances of its<br>beneficiaries and any wider<br>benefits to society as a<br>whole.|Para 1.20|Over the year, the charity has delivered<br>meaningful progress across several key<br>areas, making a clear and practical<br>difference to the lives of individuals and the<br>wider community.<br>•<br>As an anchor organisation within the<br>Levelling Up Programme, UDF has<br>remained firmly committed to<br>reducing regional inequalities and<br>unlocking community potential,<br>particularly across East<br>Birmingham. By strengthening local<br>resilience and supporting grassroots<br>organisations, UDF helps<br>communities shape their own<br>futures and work towards fairer<br>social and economic outcomes.<br>•<br>The rising cost of living continues to<br>place significant pressure on BAME<br>communities, especially those from<br>low-income backgrounds. UDF has<br>responded by providing essential<br>information, advice, and practical<br>support that helps individuals regain<br>stability and confidence. Despite<br>growing demand and increased<br>financial pressures, the charity has<br>continued to meet need wherever<br>possible, demonstrating a strong<br>commitment to those most affected.<br>•<br>UDF recognises domestic abuse as<br>a serious and complex issue that<br>affects individuals regardless of<br>gender. The charity provides safe,<br>trusted spaces where victims can<br>seek support, understand their<br>options, and access appropriate<br>referrals. This work plays a vital role<br>in helping people move towards<br>safety, dignity, and long-term<br>wellbeing.<br>•<br>Through its environmental work and<br>the Clean Air Community Initiative,<br>UDF has raised awareness of air<br>quality, environmental health, and<br>low-carbon living. By delivering<br>workshops, community monitoring,<br>clean-up activities, and partnership<br>work, the charity has helped<br>residents better understand<br>environmental risks and take<br>practical steps towards healthier,<br>more sustainable neighbourhoods.|





• UDF also delivers targeted cost-ofliving information, advice, and guidance for BAME residents aged 50 and above in Birmingham. This work focuses on individuals who are retired, unemployed, living alone, or living with disabilities. By improving access to clear information and practical resources, the programme supports financial resilience and improves quality of life for older members of the community. Overall, the charity’s work reflects a strong and consistent commitment to tackling inequality, supporting vulnerable people, and creating positive, lasting change at a community level. 

## **Additional information (optional)** You may choose to include further statements where relevant about: 

|Achievements against<br>objectives set|Para 1.41|-<br>The charity has met its objectives<br>through sustained, hands-on<br>engagement with local communities.<br>Its work to reduce regional<br>inequalities has been delivered<br>alongside practical financial and<br>housing support for BAME<br>residents, targeted action to<br>address domestic abuse, and<br>community-led initiatives tackling air<br>quality and environmental concerns.<br>In addition, the charity has<br>empowered older people with clear,<br>practical cost-of-living guidance.<br>Together, these achievements<br>demonstrate a clear commitment to<br>protecting vulnerable groups and<br>delivering meaningful, positive<br>change across the communities it<br>serves.|
|---|---|---|
|Performance of fundraising<br>activities against objectives<br>set|Para 1.41|Fundraising performance during the year<br>met the objectives set. The charity<br>successfully secured funding from a range<br>of sources, meeting and in some areas<br>surpassing its targets. Strong donor<br>engagement, the broadening of fundraising<br>activity, and close alignment with strategic<br>priorities contributed to increased income<br>and improved financial stability. This<br>performance has supported the charity’s<br>ability to respond to community needs and<br>deliver its core services effectively.|
|Investment performance<br>against objectives|Para 1.41|As of the current period, the charity has not<br>made any investments, therefore there are|





no investment performance metrics to evaluate against objectives. Other 

## **Financial Review** 

|Review of the charity’s<br>financial position at the end<br>of the period|Para 1.21|At the end of the period, the charity was in<br>a stable financial position. Income and<br>expenditure were managed carefully, with<br>funds directed towards delivering core<br>activities and supporting priority community<br>needs. The charity maintained appropriate<br>financial controls and oversight, ensuring<br>resources were used effectively and in line<br>with its objectives. While financial<br>pressures remain due to increased demand<br>for services, the charity’s financial position<br>allows it to continue operating responsibly<br>and to plan for future activity with<br>confidence.|
|---|---|---|
|Statement explaining the<br>policy for holding reserves<br>stating why they are held|Para 1.22|The charity holds reserves to ensure<br>financial stability and continuity of services.<br>Reserves are maintained to manage cash<br>flow, cover unforeseen costs, and protect<br>the charity against delays or shortfalls in<br>funding. Holding appropriate reserves<br>enables the charity to meet its<br>commitments, respond to unexpected<br>demand, and continue delivering essential<br>services to vulnerable communities. The<br>level of reserves is reviewed regularly by<br>the trustees to ensure it remains<br>appropriate and proportionate to the<br>charity’s size, activities, and risk profile.|
|Amount of reserves held|Para 1.22|**£17,710.87**|
|Reasons for holding zero<br>reserves|Para 1.22||
|Details of fund materially in<br>deficit|Para 1.24|**None**|
|Explanation of any<br>uncertainties about the<br>charity continuing as a going<br>concern|Para 1.23|The trustees have reviewed the charity’s<br>financial position and future funding<br>prospects and are satisfied that there are<br>no material uncertainties that cast<br>significant doubt on the charity’s ability to<br>continue as a going concern. While the<br>charity operates in a challenging funding<br>environment and demand for services<br>remains high, it has appropriate financial<br>controls in place and continues to actively<br>seek funding to support its activities. On<br>this basis, the trustees believe the charity is|
|||The trustees have reviewed the charity’s|
|||financial position and future funding|
|||prospects and are satisfied that there are|
|||no material uncertainties that cast|
|||significant doubt on the charity’s ability to|
|||continue as a going concern. While the|
|||charity operates in a challenging funding|
|||environment and demand for services|
|||remains high, it has appropriate financial|
|||controls in place and continues to actively|
|||seek funding to support its activities. On|
|||this basis, the trustees believe the charity is|





well placed to continue operating for the foreseeable future. 

## **Additional information (optional)** 

|**Additional information (optional)**|**Additional information (optional)**||
|---|---|---|
|You may choose to include further statements||where relevant about:|
|The charity’s principal<br>sources of funds (including<br>any fundraising)|Para 1.47|The charity’s principal sources of funds<br>include grants from statutory bodies,<br>donations from individuals and corporate<br>supporters, and income from fundraising<br>activities and community events. These<br>sources provide the core funding required<br>to deliver the charity’s programmes and<br>support its ongoing work within the<br>community.|
|Investment policy and<br>objectives including any<br>social investment policy<br>adopted|Para 1.46|The charity's investment policy aims to<br>achieve long-term financial growth while<br>aligning with its mission and values.<br>Objectives include prudent risk<br>management, capital preservation, and<br>generating sustainable returns to support<br>charitable activities. Additionally, the charity<br>may adopt a social investment policy,<br>prioritising investments that generate both<br>financial returns and positive social or<br>environmental impact. This approach<br>reflects the charity's commitment to<br>responsible investing and maximising its<br>contributions to society beyond financial<br>gains.|
|A description of the principal<br>risks facing the charity|Para 1.46|The charity faces several principal risks,<br>including fluctuations in funding, economic<br>uncertainties, operational challenges,<br>regulatory changes, and reputational risks.<br>These risks could impact the charity's<br>financial stability, ability to deliver services,<br>compliance with regulations, and public<br>trust. Additionally, external factors such as<br>political developments or natural disasters<br>may pose further risks. Mitigation strategies<br>involve diversifying funding sources,<br>implementing robust financial management<br>practices, staying informed about<br>regulatory changes, and maintaining<br>transparent communication with<br>stakeholders. Overall, proactive risk<br>management is essential to safeguard the<br>charity's mission and long-term<br>sustainability.|
|Other|||



**Structure, Governance and Management** 



|Description of charity’s<br>trusts:||None|
|---|---|---|
|Type of governing document<br>(trust deed, royal charter)|<br>Para 1.25|Constitution (adopted). 2ndApril 2004|
|How is the charity<br>constituted?<br>(e.g unincorporated<br>association, CIO)|Para 1.25|Trust Deed|
|Trustee selection methods<br>including details of any<br>constitutional provisions e.g.<br>election to post or name of<br>any person or body entitled<br>to appoint one or more<br>trustees|Para 1.25|A trustee must be appointed by a<br>resolution passed at a trustee meeting of<br>the foundation. In selecting individuals for<br>appointment as charity trustees, the charity<br>trustees must have regard to the skills,<br>knowledge, and experience needed for the<br>effective administration of the CIO and<br>their legal obligation.|



**Additional information (optional)** You may choose to include further statements where relevant about: 

||||
|---|---|---|
|Policies and procedures<br>adopted for the induction<br>and training of trustees|Para 1.51|The Chair of Trustees has taken<br>responsibility for ensuring that the<br>induction process is carried out. A training<br>program will be developed to ensure that<br>any newly appointed trustee will receive<br>training on all matters necessary to enable<br>them to perform their duties effectively.<br>This will be tailored to their specific needs<br>but, unless the appointee is already<br>sufficiently experienced, should cover, as a<br>minimum: governance and management;<br>equal opportunities; a thorough<br>introduction to the history and current<br>activities of the organisation; a sufficient<br>explanation of the charity's financial<br>accounts and reporting procedures to<br>enable them to exercise effective fiscal<br>oversight; an explanation of all charity<br>policies, including those relating to trustee<br>expenses and how they can be claimed. If<br>the new trustee is to take on any specific<br>duties, training needs in relation to these<br>should also be assessed. It is acknowledged<br>that trustees have a wide range of other<br>commitments, and every effort will be<br>made to make this training accessible to<br>the individual by arranging it to be<br>conducted at times convenient to them.|
|The charity’s organisational<br>structure and any wider<br>network with which the<br>charity works|Para 1.51|Urban Development Foundation networks<br>with local organisations and faith-based<br>groups in the area. It is also developing<br>wider relations with national and<br>international charities. Urban Development|





|||Foundation attends local network meetings<br>arranged byBVSC.|
|---|---|---|
|Relationship with any<br>related parties|Para 1.51|None|
|Other|||



## **Reference and Administrative details** 

|Charity name|Urban Development Foundation|
|---|---|
|Other name the charity uses||
|Registered charity number|1105249|
|Charity’s principal address|111 Wells Green Road<br>Solihull<br>B92-7PQ|
|||



**Names of the charity trustees who manage the charity** 

|1<br>2<br>3|**Trustee name**|**Office (if any)**|**Dates acted if not for**<br>**whole year**|**Name of person (or body)**<br>**entitled to appoint trustee**<br>**(ifany)**|
|---|---|---|---|---|
||Mr. Kabir Ahmed|Chairman|||
||Mr. Mohammed<br>Iqbal|Treasurer|||
||Mr. Delwar Hussain|Secretary|||
||Mr.Ryan Quddus|Trustee|||



## – Corporate trustees names of the directors at the date the report was approved 

**Director name** None 

Name of trustees holding title to property belonging to the charity 

|**Trustee name**|**Dates acted if not for wholeyear**||
|---|---|---|
|None|||
||||
||||
||||
||||
||||



**Funds held as custodian trustees on behalf of others** 



Description of the assets None held in this capacity 

Name and objects of the N/A charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for N/A safe custody and segregation of such assets from the charity’s own assets 

## **Additional information (optional)** 

## **Names and addresses of advisers (Optional information)** 

**Type of Name Address adviser** 

**Name of chief executive or names of senior staff members (Optional information)** 

## **Exemptions from disclosure** 

Reason for non-disclosure of key personnel details 

N/A 

## **Other optional information** 

UDF's annual return submissions for the years 2021 and 2022 were initially submitted on time. However, due to a financial error, the Charity Commission was contacted to rectify this issue. Consequently, the accounts had to be resubmitted, leading to an alteration in the submission date. We are providing this explanation to inform funders who may otherwise reject our grant application during initial due diligence. 

## **Declarations** 

**The trustees declare that they have approved the trustees’ report above.** 

**Signed on behalf of the charity’s trustees** 

**Signature(s)** Ka b ir Ah m e d **Full name(s)** Kabir Ahmed **Position (eg Secretary,** Chairman **Chair, etc) Date** 25th December 2025 



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Cliarily Coiiiiiiissioiiers. Ali e.XL11nination inclLidcd Ll reviLw of Ilic aLcouiiling rcLords kept by
Ilie clicl1.itll ciiid a coiiip,Irisoii of tlie aLcouiils presenlcd witli Iliose records. It also inclLides
coiisidLI"cilioii of aiiy uiiusual itciiis or disclosures in tlie accoiints aiid SLckingi e.xplclllcltioiis
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understandiiig of the accouiil to be reaclied.
NAME rJAb,,J.. N':.4..........................................................................................
I)OSII-ION
.S.e.Q.r'gr... DevelpPer
PLACE OF WORK
ADDRESS
.LLg kle!!s...6zfeen...Ro&d lo.I,lu{I , .Sfii.7po.........................
,(ilGNA"I'URr
zs/ii/zo2S
DA"IL...................................................................................................................

11:42AM
2411 W25
Accrii&l 8asls
Urbaii Developineiit Foundation
Profit & Loss
Ai)ril 2024 throii(Jh Marcli 2025
Ordlnary IncomelExpoiise
Income
Glft Ald
Glfts and Donatlons11icome
Grants
Relmbursed
Apr'24 . Mar 25
4.012 55
11.693.72
26,025.00
824.45
Total Incoine
42.555 72
Expense
Eqiiipinent
Insuraiice
237.98
301.99
Llcenses and Permlts
Parklng
Postage and Dellvery
Prlntlng and Reproductlon
Professlonal Fees
staff cost
statlonary
Subscrlptions
Supplies
Marketlng
Total Supplles
Tralnlng
Travel & Ent
Entertainmont
Moals
Travel
Travel & Ent- Other
536 00
3037
7.24
222.59
500.00
20,090.00
424.28
1050
209 00
209,00
650 00
31303
304,53
28.33
7952
Total Travel & Ent
725.41
Venue Cost
volunteer expenses
Website
1,989 00
1,700 00
14160
Total Expense
Net Ordinary Incomo
Profit for the Year
27,775,96
14,779.76
14,779.76
Page 1

11:44AM
24112125
Accrual 8asls
Urban Development Foundation
UK Balance Sheet- Standard
As of 31 March 2025
31 Mar 25
ASSETS
Current Assetg
Cash at bank and In hand
current account
petty cash
Total Cash at bank and In hand
Total Curront Assets
Current Llabllitles
Accounts Payable
Accounts Payable
Total Accounts Payable
Total Current Llabilltles
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT LIABILITIES
Long Term Llabllltles
Bounce Back Loan
Total Long Term Llabllltios
NET ASSETS
31,393 82
082
31,474 64
31,474 64
-1,755.99
1,755 99
-1,755,99
33,230.63
33,230.63
740.00
740 00
32,490.63
Capltal and Reserves
Retslned Earnlngs
Profit for the Year
17,710 87
14,779.76
Shareholder funds
32,490.63
Page 1