citizens advice Hull & East Riding Annual Report 2024-25 Cftizens ', Advlce helped me r..'51 find away
Contents Foreword byjames Doyle. Chair of Trustee Board Board of Trustees and Senior Management Team About Citizens Advice Hull & East Riding In the community Research and campaigns Ourvalues 10 Our impart Our perfomiance in 2024-25 Our teams and projects Our volunteers Structure. governan & manageff*nt Finanaal review Report of the IndependentAuditors to the Members of Hull and East Riding Citizens Advice Bureau Limited 15 17 26 28 Citizens the Hull & East TldingAnnual ReFJ)rt 202425
Foreword James Doyle, Chair of Trustee Board We are proud to Dresent this yearfs impact repor. for Cit17ens Advice Hull and laSL Ridiiig. It refleils the oxtiaordinary coiirp,iiment of our alf, volunteers, trusiees, aid paer5 ourirng a per od of continued cyallenge for the communities we serve. Tne c051-of- ivirig crisis h35 continued to impact kioLsehold5 acro55 Hull and Ihc East Rioing iviin many people facing iTh0055ible choices abour hoatirg cai and keep ng d ruol over ili.cir head5. Agaiisi this backd rop, dema-',d for our services has growp, more complex a nd urgent. Our arjvisers .£upporiejr 24.349 clients and resolved over 112.000 issues--ie equivalep.i of one issue ery 4. 1 minutes. Mo,, e than half of t.P people we helpec wiere I,iring wi-n a d1&3biiity or ong-term hcalih condrion. Oiir generalist advice service remains the front door to support. i er'sures peoJlo can dcoess limc.Iy, ITD8fLia,' adv.ce, often al mLiments of crisis, ano it provides a gaitsway10 specialisL casework where needed. Alop,gside this, we delivered targeted proiccts in hospitali, Wlth ArrnFd Forc.e5 communities, through schcols ar.d VC5F. patners, and IT Pclrtnership w,Ih our local councils, Nlorthem Powerorio, a-. o Ihc NHS. These projects dery.onstraie ourability to innovate, collaborate, aid rcack people where tnoy are. Demand for our services has grown more complex and urgent. Our advisers supported 24.349 clients and resolved over 112.000 issues-the equivalent of one Issue every4.7 minute More than half of the people we helped were living with a disability or long-terni health condition The financial valijp. of our work is reinarkable. ID. 202L.,'25 we dolivered £41.8 million in value to local people and the wider economy, equating 10 £1.7 million every fotnight. tror eve-y £1 irive5fe.d li CAklFR, INe re-urn £2.39 in f15cal £awiigs, £20.61 in byider PUDlic valuo, and Ll 4.?0 directly to th.e peoplo we ktslp. This year a150 marked important iniernal progress. We err,bedded oJr riew organiSc]tiorial value< of Collaboration. Innovation and Accountability, iiivesled in digiidl 5y5Lems and expandeo VolunLr oppoitunitiei, eiisuring our organ.tiGn is equioped lor the fuiure. Looking ahead, our strategic Business Plan 2025-?_8 fjets ambitlOUS airrs.. 10 romair. agile and respogsive, to grow our influep,ce locally and nationalw, to deepen collaboration, and to innovate Wi[n our peop'e and technology Wilh the coniinued support o--our lunders, partners, and volurteers, we arc conficeni Ive Cun meei those aims ar',d rerrairi a tfUStcd chdrnpioii for our communitses. On behalf of the Board of Trustee5 and Senior laaemei Team, th3ik you to everyone who has SUPPOrted Citizen< Adwce Hull and East Ridiig this year. Together, we are making a real difierence in the lives of thousands of Ioc31 people. Ciliz?n% AcJvice Hi Ill & Ea Qieing Annual Repon ?o24-,-5
Trustees Report Senior Management Team Tracy Wharvell Chief Executive John Connelly Head of Busine55 Operations & Planning J DoVe. Chair D Thth A Ledger Kirsty Connor Head of Specialist Advice Services A Seffl L Flley nted nlay MIY 2025 2025 Katherine Nickolds Head of Generali5tAdwce SeNices L Milner Reggned (kt2024 P FOer Resigned Oct2024 D Waxman ReognedN2024 M Gohghtley Regnedmc2025 K Schmidt Rened Sept2025 Stacey Ullyott Head of Business Development Companysecretary T Wharvell Registered office The Wilson Centre, Alfred Gelder Street, Hull, HU12AG Registered company number 05141612 (England and Wales) Registered charity number1106453 Independent auditors Smalles Goldie, Chartered Accountants, Ststutory Auditor, Regents Court, Princess StreeL Hull, HU2 8BA Bank Lloyds Bank Plc, 1 Grand Buildings, Jameson Street, Hull, HU13JX C,tizen5Adw:e. Hi.11 & Easl RidirigAnYua' ReForr 202425
About Citizens Advice
Hull & East Riding
CILi£ens Advice Hull and lasi Riding is an independent IoG31 cha."ity that has supportecl our
communities for over 86 years.
We provide free, confidential and imp3rt,al advice primarily to residents of Hull and the East
R dins he.lping people fiid a way forward wtth Ineir problems.
As one of 235 socal Ciiizens Advice senAces, we s,iare natioial goa,s'. to provide advice for all,
campaign on the isSUCS thai matter, and diampion equality and diversity.
Our charitable object is 'the relief ofpovery, Sickness, and di5tre55 b/ the CJLknncement oleducoiion,
the proiettion andpreservoiion of heglth, and Ihe promoLion of eqknoi opportLJnities" We achieve
thi5 by providing a free, independent, confiéentiai, impartial information, advice, caseworl and
repre5entaiion service helping people reS0e Their legal, rr,oney and oiher problems.
We strivc to reach people ear before problems dcvelop, empower soll-help, and respond
flexibly to emerging needs through innovatThie approaches and 10 adopt be<t practico in qualiry
ssuraiice, service delivery ckannels, cam?aignip.s and training.
Our data grdes un que insighi inio the chal.'er.ges facifjg local coTrmunities, enabling us to
influence change and igforrri dea
We have four FErmaneni offices where we help clients with appointments and drop-in sessions in Hull, Beverley, Bridlington and Goole. We also have advisers working at more than 30 outreach locations across the area. In addition to our general adwce serwce, we work closely with IcKal councils, housing providers, foodbanlG, NH5 services, and corrmunity organisations to make sure people get the support they need across a range of ieams and projects. Q Hull GeneralEt Athi Commurvty FoodAid P Easl Rhng Genefalisl Serw Q Hosimlal Outreach Sewvice Eller1 Speoth'si Dr(y In oun9 SpecialislAthice Drop In ExF4oring Opportunthès Beverley Hull Goole ¥ DnapTI*5 @ Openslieetmao conlnbuiNs Hull Ci¢izer.s Athco. 4Jil & F.art RidinEAnnual ReporL 2024-25
In the community Events and media What Citi Citszéns Advice do? During 2024125 ll.'e bvere rep"esegLed at rargp o, publio evenLS arrangeo by partners in=ludirg IN,e NHJ, Hull Qily Council, Lail Riding of YOrKS1r0 Cou nci I, loca, parish COUPicils, [e Ilg versity of HLIII and Lhe Jepartment for Vlorrf ar,d Pensions. INe provice information aboui our serwcei and recruit new volunieers. iti?en vice st We continued to work witn partnerK i)fG (up.cers 10 find innovaiive iliays of <uppJi ,.0 our COT.muniiies,' th.anks to fundirg TfoT tke Leonard Cbarr,berlain Trdst, vie vi?re able to io PUI togeiher'Erer2y Pac.ig ', sr drop-in clients In HLII ofrer ng eiprg5,_--ficieYcy SLlPPOrt Wilh ifom5 such as air iryers, slow coo'rfers and heated towc airers. energyadce 0800 448 0721 ws DurinrTte year our news was covereo by local med.a outle iqcludingThe York)hiro P051, 'hIle bers of ou" ieiws werc alio InteIeeU by oroadcast meL' d incldGing BBC Racio Hurpbe,'side ar.-' ITV Calendar on Issues including Pensior Credit, the c05t of IrviniT righis fcr private tonant) anc proposed chai.ges to health and disabilty benefits. Cit',zpiiE Alv cp A,, 11 & East Rifi ng Annual ReJorr 202,
Research and campaigns We take our commttment to ensure that the voice of our community is heard and that real charige can be achieved. We do this by reoording the problems our communityfaces and regular feeding our clien, own experiences into national and local campaigns. We workwith national Citizens AchAce and our own local partners and stakeholders to ensure thai trends and common issues are spotted and atted upon. Here aro some highlights of our year: D>D>DJuly2024 We coniacted all candidates in the general elertion to prowde them wtth a snapshot of their COP.5tttuency As part of this, we raised issues about the current System for Personal Independence Payment (PIP) and provided insights into the cost of living and the impact on their constituents. D>D>D September2024 After the election, we provided all MPS with an invttation to our office, and proirided them witri a briefing atrKiutthe work of Citizens Advice, and local data relevart to their constttueng. D>D>D October 2024 We lobbied MPS duringthe Budget, calling on them to UFxlate Local HousingAtlowanie in line with 30th percentile of local market rate, reduce the amount deducted from Universal Credit payments and to provide targeted energy bill support. As part of this, local MPS Karl Tumer (Kingston upon Hull East) and Emma Hardy (Hull West and Haltempricel both wrote to the Chancellor. The reduction of Unwersal Credit debt recovery was included in the budget- a win for Cttizens Advice. Cidzens Acknce Hul & Fa£r RidingAnnual Rewrt 2024-25
Ourvalues The commitment to working together. intsmalty and externally. by Iwilding partherships sharing knowledge, and f05tering trust to achieve common goals. The capacltyto think creatlvely, develop. and introduce groundbreaking solutions to improve services and respond to current and emerging challenges. -ol,Ib.":r3.-' ior Innovation AriOLis: The responsibhityto uphold the highest standards of ethics, transparency. and fairness in all our artions and decision& Do what we say we ill do and take responsibility for all our artlons. Ourvision In order to fight poverty and injustice, be ai the forefront of advice, innovation, ap,d infldence at local, regional, and national levels. Our misslon We help people, families, and communities by. Providing advice thai helps people overcome their prob5ems Campaigning to ensure tnat peoples, voices are heard We are the People's ChampiorL Citizen£ Adv ce HLJ'I & Fast R,:ding AinJal Re.kT)r ?0?425
Our impart Ourvalue to society £41.8m 24.349 112,189 financial value delivered across Hull and East Riding- equivalent to £1.7m every fortnighL clients supported. equating to one in every 13 households in the area. issues resolved - roughly one every 4.7 minutes across the year. For every £1 invested in Citizens Advice Hull & East Riding £2.39 fiscal value retLJmed to government and public seNices. Total £8.463.161 £20.67 public value generated in wider economic and social benefits. Total £73,24I.011 £1430 dirert value delivered to the people we help Total £50,685,515 10 Citizens Advicc -lul, & Fast Rlcing Annual Qeport 202L25
Our impart 2024-25. our work in numbers Savings fir £2.783.272 '. .': preventing evictions. forthe NHS by reducing the 0 £1.697.812 ,,, services and keeping people in work. The big issues 82% 29% 14% Crisis loans Charitable support Housing From our surveys Top advice issues 21 % Debt 20 % Universal Credit 180h Beneffts and Tax Credit 97% Clients would use our seNice again. 1in2 96% Clients would recommend our service to others. clients have a long-term health condition or disability. 10 % Finanaal seNices & capability C I1¥Tr5vIce Hi.118 thst 4id ngAnnual ReporT 202Q" 11
Binta's Story oer rol i• Wedon'tjust advise our clients - we stand by them every step of the way until their issue is resolved. Here, one of our clients tells howwe helped herwin a difficult court case againsta company selling solar panels that wanted thousands from her despite having provided no services. izens & East Ridi .Hull . 12 Cifi7en£ Adwce Hul. & Ecjsr Rieing Arinual Report 202£L25
I don't know what I would have done without Citizens Advice When sho bought her house in Hull after many years of renting Bintajust wan-ed to invesi in green energy and save money on bills. But her interest in hawng solar panols instslled went disastrously wrong when she was pressurised into signing a G.ontrart she couldn't afford by a co.,mpany whici then took her to court demanding more than £5.0(K). on a solar panel pacthge worth rrore than £8,000. However, she was unable 10 fiD,d an affordab e finance p137 due to an unpa,.d ener bill for her house, dating to before skie tK)ught it, be ng wrongly placed on her record. Unable 10 affard a solicitorand with 0Where else to turn, Binta came to Citizens Adwce Hull & l-a% Riding, where an ainazing team offort from several of our dedicaLed advisers cnded with the Cdse being thrown out ofcourt. When 5h.e tried to carcel, the firm claimed she had sioned a waivcr agreeirig to pay 60 per ceni ofihe coitracl and began court proceedings 10 force her to pay more iilan £5,500, all while pressuring her to give them money dpIte hawng provided no services. Binta told our Debi C35eworkerJon Wilson, who provides outreach 5UPPOrt at klull County Court"'You took the time to listen 10 me, provide advice and your willingne55 to Felp without asking for a penry amazed me, from the first lime I metyou. English is a second language for Binta, is orginally from Gambia, and she foun.d the documeniaiion provided by the firm confusing. Butthe phor,ecalls were worse. "l appreciate your patience, professionalism and kindness. You made Ihejourriey so ca5y for me, releasing the stress, pressure, coricerns and worries for me and ry fami." She exploined."Elifferent people were callirig me every day with threats - I have to pay this,1 have to pay thai, I have. to do this, I have to do that, srxveral times a day. I wasn't sleeping... it was affecting my health. Binta's o,"deal started when she &4w an advert on the internet about a Government grant for solar power. She wanted to improve her home ana, save morley on her energy bills for years to corre, so she made enquiries and was contacied by a firm which arranged for someone 10 vislt her ai h,ome. "I wasnt sleeping my famiw wasn't sleeping- it was affecting my nealtb, my family and my work. It was traumatising It vJas a horrible experience. Theywere calling me asking me to pay money and I said 'l'm not paying the money. They said h)u need to ialK to us, we need to come to a mutual agreemeny." Keen to press ahead wiLh her green dream, she agreed 10 lake oui a five-year finance deal Continued on page 14 CiliZPP£ &,*vice qull & East I',d:n8 Arnual Rewrr. ?g?£P?.5 13
Continued from page 13 Jon and S.'nta Lieri attended a court hearing lasting two noijfs and 45 minuics, wih,, resulteo in the D'sLficiJu.dge orderipg -hat even/ dSGect o- tie claim madc aga nst hor e disTt:ssed in full. But Bin=a, who works as a housing a(fviser in Hull, SLood frie. ground."I sa d you a"e r',ot ooing to go'l tl.e botter of me k.ecaJse YOLJ d.d not proviae me wilh sny sepiioe, YOJ d,,dill serid driyo?e to do a su'rvcy at rp.y property." She coniacted some ioI',Cliors, speiycing £1 bo on one 20-m nute consultaiion. She Was unable 10 pay more, JO a sol.'ciior su&gested she Con-act C'- zens Adv ce. Bint3 S3'.d. 'We wafjted to have ou: own Iouse so we coild iTiprob'e Il, ayd save morEy on our bills with so ar pai',els, but I dontthink I wjuld do awiing liA: this again tEcause they have CSed me ana ryfami JO rr,ucki Ifauffla. .1 don't know what I would have done. "I'm glad iys over because li was a o'ifficuli tiTe ano I w3s spepcing rroney ayo, tak qg time Jlf work. When you've goiyoLf OlAin p dCC' YOU war,= 10 develoo '[ you Kiant to change it and protect it. l jusr. Vv'antod to make IL beLier fcif 'ny family aric pvoDohing wenL so wruig 'p)lÈ lik.e ITie L'oplc '.v KJ don't hcive niuch, vtho ¥M)rk hard'Lr Iheir families are SLrfterirng atthe hands of these Ilch people. Th re taking advantage o, people like m and oeiiir-g av'aY v.lirh It They would have taken me ro co'ar, put me oy Ihe bldcklist and they vould h,ave rTiade me rJayth.ous3-, ,05 o-, pour,cs vJhich l ttoyt kave. Binta Was 5UDJOrted a. our Gepcrali5-Advice Oriil CJL our off co at The Vdil<Gr Ccitre in Hu I, where oe" init al onlino dclenoe vias subiTI ttod, ayd was tyep, re'errod tojon's ouLreaci serv ce ai court. Skia si d. 'Jo.I told rre he viasi"'L (I IdlV,i¢Jr bul e would t.elp rre, INlich l app-eciated SJ much.14e asked for al, the inforiT'a- on, which I gave F, m. He said 'iust iel., ma eveii (hircF Ihai appaiied Jon Fut-egeiher a 41-pardJraph kw iiefs £taieTe-r plu% Lx,)115 wiih hel ., from 3nother colleagLie back at the o ce, who oug Inio Ine aepths of lyo Conrner Contra5 Ilnformqtioo, lanco11at on ard Aca '.ional Char(Tes) Regu Jtioris. "I con't k.rovi what I would have oore wirhoiJ- JOP l arr <0 graieful to Citizens Advice ar,d Ihe people w,Yo funa il." Feedback from clients My contsct was very patient and understanding. I never felt Judged at any polnt and she helped me right from the bw'nning and followed it through right until the end. Very professional and it has made my life a lot better having my issue solved. I can thank this service enoughl l -_ho hr.lp I I lave ecoiiind f'om 7e-i% hcis beJri c-xcellc'il In "e<J,'I' rig ail I i) iSbuei I ielo.ri¥l Lo lJwèi s:"ess We were surwised how easy the service was to use. We went exptttlng to make an appointmen¢ Ixrt were shown stralght into a waiting room and Just a few minutes later had our interview. An extremetygood and effiaenL Well done. thankyou They are efficlent, I h•ve b••n ¢rylng happy tears beuuse now I have hopeand a happler future. Thanky¢)u 411 so much aga•n. and most helpful In all aspects i really enjoy going to s•• them. frién.= Jidr)rsind;'I I"-,ade rr. e='l a., a-dd ."alr i. LJUidF,'I g-t Lliq lei uf J_I'di'.e Inywihere - I'Duld hioFI.V rr)COlTinipniJ to .]r.Jbpdy sepknng Tre'll ID CrlizLfi.J fQwco 14 Cill?epsAthce qull & Èa IP.CT A TrnLal ?e?0rr. ?024-k
Our performance in 202425 Ou'r Business Developmeit P,:an 'iO-. 2024-2027 set oui four strdLegic aims: Be aglle and sponSive In order to remain relevant to our communities. row local. regional. and national impact to nitiate change and influence resources. Increase inter-agency collaboration delivering an integrated approach. Innovate with our people. processes. and technology to be flexible and sustainable. These a mi a-e -ek';eivpd aniualb/ IhrGLgki our bL.'siness J13rping prcceises. Eacki year we asse55 ach,ieveinenii and outCOTes, eisuring-ha- ou: object'i'es retrain focuseo oi our ciarjiable pu"poses and cop,tifjue 19 mept Ihc peeds cf the communi-iei we serve. Be agile and responslve in order to remaln relevant to our communltles In 2024125, our107 staff and 119volunt&rs continued to delwer highquality advice amidst growing complextLy of client issues. We supported 24,349 dients (23,572 in 2023/24), resoknng 112,189 issues (92376 in 2023124) and opening 35,313 cases (33,253 in 2023124). This equates to orE issue res0ed Lwery 4.7 minutes across the year. Demand continued to rise in areas ch as debL housins and benefits, reflecting the increasing pressure of negatwe household budgets. More than half of our clients reported a disability or long-term heatth condition. underlining the n&d for accessible, specialist pport. Access routes also shifted, wth 373% of clients contactlng us by telephone. 233% face-tTrface, alongg'de growng use of email and digltal tools. To improve accessibility we expanded our OLJtreach network to 31 venues deliverlng 56 advice sessions per week introduced a nLM 5eNice for deaf dients in Beverley, and piloted a SFEcialist housing advice servi. Qualty remained central to our work Following tar8eted improvements in monitoring and peer revieN, our advice semces were rated green across all indicaiors. We successful retained both the Advice Quality Standard {AQS) and the Specialist Quality Mark (SQM). Client satisfaction continues to be strons with over 97% rallng Ihe seNice positively. Cit':z-ii-. ce HLIII & tr?.£1 Q.:ctinE Annt.al Qewrt 202¥i) 15
Increase inter-agency collaboration delivering an integrated approach. Grow local. reglonal. and national impart to initiate change and influence resources. Collaboration remains central to our approach. We strengthened partnerships wiLh local VCSI. organ Jaii01s, healiFI arid ca"e provi ders, dfiG naiional Cli zens Adv.ce iommunities of pracr_ice. We coiitiyued to work c.oseWIMI", corporate partp.ers such 35 Reckitt, Yorkshire Building Soc-ryand siaiTlP Jackion P.-ottor, while 3150 expardingjoint initiaiive£ with Age UK Hull anrl East Riding, and minority communiyl groups. We strengthened influencing role by sharing real-time data and insights with local commissioners, councillors, and MPS. Our idence inlormed spending decisions such as the Household Support FurKJ, highlighted gaps in housing provision, and shaped local financial inclusion strategies. We are a key siakeholder in14d,'I's Poverty Partnership, Ihis grouo is addressir.g Wealth InL'quGliiies a=ross '.liJ city d,"Id w Il bo work ncy toKiards mak Pig I lull a Marmo-. City We are also part of both Hull and tkie East Riding5 ,'ip.ancial Incl,Jsior INettvorks. We increased our visibility through improved dig1 communications arKI media engagement. Our social media reach and engagementgrew significantty, drwing more traffic to our website and raising awareness of key issues affecting communities. We also delwered 12 Athiice First Aid training se551ons to 31 VCSE organisations, reSu1ng in new partnership contracts to extend advice capacty in the sector. This co113borative othos has allowed us:0 socijre p,nw ouLreacb opportunilies, dnvclop jo nL bics, and prov.de intograted supporL to clienLc across regioi. Innovate with our people. processes. and technology to be flexible and sustainable. Significant ir,I,c#ma•t ,,Vci5 Tlcide in modernisirg our infrastructure aid cultu're. We aG.hie.ved Cyber Essentials Plus aicrediiation, upgradL,d IT e.quiptneiit, ITiig"ateL4 to oloud-ba"-c, daLa si,Jrdge, a.'Id piloied an eihanced CRM ¥ierr. to SLreamlirie cliert comrrunicaLIo,gs. Our worKforce benefiieo from Icttra ning on Klicrosoft 305 anc SharePo,'ni, while cultur,-,l aliff nmeni wc)rl%l iQklS e'n!j,.v.oed Oar riei'k, e,risan'saiional values _ Collaboration. Innovation. and Accountability VJlup,Leer roles were expaided 10 InilJde Jig1121 advisers and Calllpd Jri L, ",IpiJ, s, aio recognilion ip,oiatives were inirJduced 10 colobraLe their coniribuiion. In 2014115, 103 volunleers were recruited, with several progre551r,g ipto paid -oles wi.oin CAHER. Looking fonNard. we will Continue to strengthei our work in oL'r comrv.upilies, looking for opponunilies to 5UPPOrt ifj tgeir communities. Ixplore b.ow we can better meei the needs of oihoi vulnerable groups. Erhanco ou, dati offerirg and e.Isure we intluence cecision-makers Ihrough cur cliegl voice. Iniroduce iechnology 10 5LPPOt stoff irn athce-gwing and .rp,prowng th,e clieitjourney 16 Cirizens Adv"ce Hull & =3sr Riding Annual RFtK)rt 202425
Generalist advice service Our teams and projects The generalist advice service is Ihe first point of contact for tk)ousands of people each year. We operate from four main offices in Hull, Beverley, Bridlingtop, and Goole as well as many OLiire3ch locations whilst also running a telephone advice line sermce and prowding digital adiCe over email. In 2024125, Ihe East Riding Gene,'ali5t advtce service supported 7.471 East Riding residents, resothng multiple and complex problems for each clienL Wth an average of 3.3 issues per person. The service has Linlocked over £4.18million in financial gains for local houseliolds. The Hull Riding Generalisi advice service supported 15,673 Hull residents with 26.836 advice issues, resolving multiple and complex problerns for each clieni. The sewice has unlocked ovei £8.4 million in financial gain5 for IcKal households. For many, generalist advice 15 the gateway Lo stabilising income. tackling urgent issues like benefits, housing and debt, and being signposted into specialist casework when needed.11 remains the front door of aavice, ensurina b people can access time, impartial support when problems first arise. Northern Powergrid Energy Advice What it does: DelTh/ered in partnership wth Nuithorii , owergria, thi5 projecL SUPPOrts households facing fuel povery and high energy costs. Alor.gside immediate help with energg issues, the tearT] provide impartial advice on low-carbon technologies, energy efficioncy, and income maximisation. Citizens Fre¢ on enm, Wwork and m¢xe Impact in 2024125: Advised 1,562 clients on 6,232 energsi_related issues through 4,616 sessions. Community engagement has been central, with the. team working closew wth local partners to increase awareness of energy-saving measures and promote sustdinable choiccs. Why it matter5: This partnership ensures households can access trusted, independent athice on both managing todals frJel costs and plannir)g for a lower-carbon, more affordaDle future. Cif'7en£ Adkfjce Hi.11 & Fast Riding A-nual Rer)ort 2024-25 17
Specialist debt and money advice Il• ri;'i *F.,i":S advice Vl-3 Hospital outreach service What itdoes Funded bythe Moneyand, Pensions Sep4ice {MaPS). this project provides specialist support for people struggling with debt and money markigemenL What it does: Prcv.des advice wthin Hull Royal Infirmary and Castle Hill Hospital 10 PaliL'nts experiencing life-chan8irig i1Snesses dnd injuries. Impact in 2024125: Opened 2,785 cases and advised on more than 17,000 issues. Achieved £8.1 million in debt write-offs, reimbursements, redress, and income gain for clients. Impact in 2024125: supported over 300 patients to ac.cess aavce on ip.coNe, housir.g ap,d p,ebt ensuring people in crisis could focus on Lheir health. Why It matters: Many people delay seeking help until they are already in crisis. limiting their options. This service helps people resolve urgent problems, reduce debt pressure5. and regain financial stability. Why it matter& br'nging advice into hoipiial 5eii,'nos, INe reduce stress, mprove recovery, and help pcople maintain Stability at home. Armed Forces Money Advice Project (AFMAP) What it does: A Jmall p:oject, delwering tailo."ed admce ro member£ of Ihe Arrrec Forces coirimunily in Hull and the East Riding through an intcsive casework support serdice. Impatt in 2024125: Achieved over 100% of KPIS generaiing £44,000 in ouicomes li Hull alone and extendino reach into Docklington and Stamford Br,dge In the F.ast Riding. Why it matters: Veterans and their families.ace unique finanoal challenges - this project ensures they Qdn access 5pecial.st support quickw and efi ective y 18 Ciljztsns Athce Hull & Eas: Ridipg Annual Report 202L25
Help To Claim- Universal Credit support What it does: This service helps clients dÉcice i.Mether Universal Credii j< Lhe right benefit for them and suppots them through the online applicaiion proces5 UP to Iheir first payment Cit17ens Adwce Hull ana East Riding leads the District Partnership for this work. Impact in 2024125: Generated an expected --16.6 million in financial outcomes for clients across Hull and lye Fast Riding ensuring moneyweyi directly into Ihe poccets of those most in need. Why it matters: 8yguiding clients Lhroudki the complex UC application process, we help peoJle maxim so their incoThe, avo'.d delays or errors, and 5tabilise their finances at a critical tx) nt in their Iwes. Specialist Welfare Benefits SeNice (East Riding) ICB CommunityTrainer and Adviser What it does: Fur.ded by Hull Integrated Care Board, this project places an adviser and a trainer in local communities to increase access LO advice and build the capacity of VLSE grcxjps. The adviser supports patients recentty discharged from hospiia,,, while the trainer delivers"Adwce First Ajd" session) to local organi5atsons. What it does= Funded by East Riding of Yor<shii e Qouncil, this seniice providos speoiali5t casework support on welfare be,iefits and debt. The team o-, twc Vvelfare benefit stEciali5ts and one debt caseiNorker assist with complox cases, includingwnting and lodgirig appeals and reprosentincs clients atiribuyals. Impact in 2024125: Kickstarted this exciting new project by delivering regular Advice First Aid Iraining sessions to community groups and organisarions. We also promded advice through partnerships with Hull churches and the Home from Hospital Service, and began developing new outreach sites with community groups and Hull City Council children's ceiiires. Why it matters: By embedding athce wiihin health and commur.ity settings, Ihi5 projett ensLires people at Inerable points in their lives recewe timely JUPPOrt, while also equipp ng Ioc31 groups wilh the skills to guide peoDle lo-he help they need. Impact in 202A125: Supporied 258 clionts. achieving f1,058,424 in financial gains for reiidents across the East Ricing. Why it matters: combining expert weiicire I Ig,its advice with debt support, the service k)elps people secure vital income, re501ve complex disoutes, and reduce financial hard£hip, rtl(Iki ng a lasLing difference;0 household stability and wellbeing. Ciiizen5 thce qijll & wrlst Q CliF AIiLal Rp.p)rr 2024-25 19
Exploring Opportunities (UK Shared Prosperity Fund) What it does: FJgdee by the UK C-oKierfjwent ard Gdminisiored locally by Ine Humber Lcarp.ing Coi Isor'.iuiT', rkiis proieci SdppofLS peoole agod 16+ who a,"e une,, ploged o". fi-.an=ially Itl,dCtvc. I hrouiyri aovicc casework, li helps cliell J T.ove closc.r =o'Nork, -dLJcaiion, or Ira n ng by f rst ddres5 n(F the Iinancial and practi.al ba,-riers they face. Impact in 2024125: Cl 2.nt dp.rriind kas beFr fp.- higier-.nBp preriiaeu, Loai'is-. afj pxtprtation of 60 c.Iic.-, It5, ihc project receivec 159 reier-3 s, wih - 37 aoDo'ntmefjis accepiod. vve have SUDported cSier's to I":Idxirr so irccrve ap.J ma-.age debt, gL"IL'fdiing . 626,70J in f11iancial OUL omes - an average benefii 0".-4,5/4 Jer c ic.nt, acove Idrget. We113re banefiLs remain, the op advice issue156¥LI, followed by deb= {- 2',6), kousing (8Jk.l. and u.iliiies 3nd communication 170/0). Why it matters: The oroiei )l=ii) how Ire cc£t-of-'ji/ rg crj<is Lontinue) to mpact pe.ople's IiveJ. Oy -C.IGJivifig Jeiefii, debi, aic. haiisi-. o issJei Il¥, e en3ble c_lipni£-o stab',[ ie tn.e'.r fiiance5 3nd.ake mean:rgti.s1 itcps towarcs enploymi eflL traiiiing aod (Jreater Indopenoence. Legal 1% cotrmunicaiions 7% Housing B% Charitable Support & Food Banks Benefits & tax credits Benefits Universal Ciedit 14% Other Debt Financial services & capability Tax.. . 20 (Icizens AGvice Hull & Èari 4id ng ilr,nual Report 202<15
Exploring Opportunities: a clienvs story
For rnore than five yed15, Jdines (name chariged) liad not left Fils home due ro
,ong-term menial iealih challenges.
4e lived wi:.I his mother and survvca or, a very low incorre. Everyday lifo
became ir'creasi-. Igls, difficult. Soil-care ana kenp',rig up vJi"k, housch,old
taskG lelL ovemhelrr.ins arid h:.5 isoldt,cn ana dnxiety grew.
Altnougfl d Per
Our volunteers We couldn't do what we do without our dedicated army of more than 1 CK) volunteers working across our communities. Ourvolunteers come from a range of backgrounds and bring wtth them different skills and experiences. One thing they have in common is that they find volunteeringto be enjoyable and rewarding. In 2024/25... We had 00 113'°"-';- across our offices. projects and outreach locations p f) Theydonated Q 912 '.';. and expertise donated every week to help others The value of their time donated- to Citizens Advice. the economy. the NHS and the volunteers themselves- was.. 01.35 million ..that works out at an incredible (011.951 per volunteer. Cr.izens Adn'ce Hull & Eas-. R1.g Annual Report 2024-25
Strurture. governance & management Governing document The Organitiorlls a company lirn':iod byguarantee, incorporaied on l June 2004 and regi5Lered as a charily on 26th October 2004. The company was esL3blished uncer a Memorandum of A550ciation which established the objects and pJwers of the charitable company ard is govemed under its Articles of Associaiion. In the event of the company being wouyd up members are required to contribute an amoijnt not exceeding.- Governance OurTru5tee Boaro prowdes strategic direciion and vision'.or Citizens Advice Hull and East Riding. The Board is made up of individuals who are trustees under charily law and directors of the charitable compap.y Our chie.f ExecLEtwe, working with the Senior management team, is responsible for delmering the Board's Msion and day 10 dai operation5. Trustees meet quarterly on a regular basis wilh further meeiings being arranged as necessary. Trustees are l isted on pago 4. Delegation of Duties Our Scheme of Dolegation of Trustee Board Authority Outlines oecision making responsibilities. It li Issues reserved for Ihe Board and Ihose areas Ihai are oelegated to Ihe Chicf FxecutP% Officor, including levels of finarcial authorty, which are supplemented furcqcr by detailed financial procedures. Recruitment and Appointment of new Trustees Trustee vacancies are advertised using a range of media. It is the Board's aim to find talented indtviduals who have the skills and experience needed to enable the Trustee Board to provide good loaderslip and make sound decisions. Newtru5tees are either elected at the Annual General Meeting or appointed at a Trusieo Board meeting. Trusteegdirectors Serve for 3 years before beir,g eligible for re-election. Induction and trainlng of new trustees Newly aFpointed trustoes are provided wh 3 comprehenswe induction on dirertor and trustee responsibiliLies and obligaLions, including Ihe Memoraridum and Articles of ILisociation, Lhe organisation's Strategy, objeaives ald policies. Induction includes infoimatson on naiional Citi7ens' Advice, our organisation, and 'ts services. Tru)tees also meet the Chair, trie Ihief ExecutDJe agd senior team and visit local office5 to get a better understaTding of the service. Training is available to trurLees via extemal courses, Citizens, Athice and mentorigg by e*ablished Irustees and new trustees are encouraged to di<cuss more detailao asJects of the o.gan isation's operatiors with fel low Iiustees, employees and volun-eers. Trustees are unpaic volunteers, but are reimbursed reasorable expenses, for example travel costs to attend meetings. Cilizens Advce hlull & =al .?iding Annual Rewrr 202425
Publk Benefit The trustee5 confirm that they have referred to the information contained in ihe Charity Commission's general guidance on public benefit when reviewing the aims and objectives of Hull and last Riding Ci-izens Advtce Bureau anc in plarning ac[rtIeS and ser.ing policies and priorities for the year ahead. Our charitable objects are". to promote any charitable purwse for the public benefit by.he athancement of education, the protection and preservation of health and lye relief of poverty, sickness and distress I part cular, but without limi[ on, for the benefit of the community in the last Riding ol Yorkkiire and Kingston upon Hull ayd surrouridirig areas,. in carrying out its objects and in all aipect.s of its worl Hull and East Riding Citizan% Advice Bureau is committed to promoiing equality and dve;, 5ity, Preer1[11g prejudice and discrimination, ensuring equal access and promoting good relations beeen all sertions of the community. The main acLiviiies undertaken 10 further our chariiable purposes for public benefit a.'e 10 provide the advice people need for the problems thai they tace and .tnprove the policies and practices that affect people's lives Risk management and internal contro15 Tlie tIUStees are responsible for the effective management of risk including ensuring Ihat internal controls are in place and are operaiip.g as designed. Our risks are identified and managea in the following way5" Our risk managerrent stratcgy aria policies were rev.ewed and agreed by Ihe Trustee Board during the year," Regular reviews are performed tyihe senior management team and new and emerging risk are reJorled 10 Ihe Trustee Board ori a quarLeriy b85iS, ReV'eV assess the likelihood, imoact and relevance of risks, the strategies for managing them and the strength of those strategies. The reiidual risk is idep.lified afjd attion plans are create.d to further mitigdte risc Bucgoiing tyems and financial reporting which indica-e financial performance against budget and forecast are reviewed and agreed by the senior managemenL Leam and the Trustee Board. Risk managemeni is incorwraied into our map.agement methodologg,'Ith the largest projects beiny ovp.rseen by Ihe Chiof Executle and a Eenior managerto en£LJre dplrdery risk is managed, assessed and reported through status reports. Infonnation assurance The Trustee Board has approved an infor.maoon assurance Strategy, having idcntified the risk presented by the significani amounts of clienl data geld. An informatson assurance management team exisLS to en£ure the confidantialiry, inreofJfiLy and availabilty of all our sensitwe dara a5£ets is aintained to 3 level which is consisteni wilh "he requirements of our clients, our funders and our strategic partners. We are confiaent that this achieves an appropriate level of compliance to the Dats Protection AQ GDPR, the Cabinei Office's Securtry Policy Framework and to industry best practice, as defined by the ISO 27(K)O series of %andards. Cifizens Advce Hul,, & E2St Rid..ng ATnual Re?orT ?02425
Key risks and uncertaintles The Trustee Board considers Liese 10 be the 0st Irr,portant rislE and uncertainties we face" Sustainable funding The uncertain economic climate and coniinuiog public sector funding pressure5 P05e (ignificant risks. A ierious lois of fur,ding could force us to reduce or withdraw some of our services at a time when local communitie5 are expeiencing financial and economic pressures. We will Continue to diveriify ob'r funding sources and work to promotc Ihe value and impact of our semces to funders and 10 the public. Technology. Technology underpins rruch of our delivery across a gcographically dispersod service. Vle continue to develop our digital capabilityto rreei adiAser, clieni and organisational peeds. We enhanced our prourarrme to replace ageing technology to meet lie demands duririg and tJ)s1 Cowd and will coitinue this pro8ratr,rre a) fui",ds allow. Technolagical failLJre PO>es ris to the organisafion dnd the sewices we promde. We app management disciplines to manage and mitigate these riskJ, have established back-up 91Stems, a dis3£1er recove,y in the evcr,i of failure. Service delivery uolltinuing public sottor funding prcssure5 Poie risks to sernice dolwery Our capaoty to promde rytal senT£es may be reduced or Commiss0r5 rnay 5k value for money by seeking to FxcTride more services dElta1 andlor remotety. We continue to develop ancl enhance our cotnplementary phone and dwtal channe& to ensure access to our seNces but remain very consctOLS of those trk3t fa barrier5 to accessirE seNices remotety. Protection of our data: We tske the prixection of our clients, dats extreme seriously and are partÈcularty alert to external threats and also to the dianging regulatory environment We r&Niew our information goverrkance wlioes and practices on an annual 515 and undertake data prwacy impact assessments for new andlor chang.ng *Nces. We appty a ¢>factOr authentication for ac55 to our client and organisatior1 dats. We trkive also achievEd Cfftr Essentkals Plus accrediG3tion, demonstrating that we that we operate to the hghest levels of security and resilience with regaids to our cliong data and our sysiems. Relationships with other charities. organi5ations and individuals We enjoy support from a wide range of funders and lake great care to ensure that we obtain the maximum valiie for every poijnd we sperT.d. Principal funding sources The principal funding sources du-ing the year me Irorr East Riding of Yori<shire Council, Hull City Counal, the Integrated Care Board, Money Adi'ice and Pensicns Service Via Citizens Advice, Department of Work and Pensions via Citizens Athce and Northern Powier Grid. Expe.nditure dLJring the year under rewew has paid for members olstaff who are expp.rienced and well-trained in the relevani areas required to provide accurate, timely adwce to clicnis. In addition 10 ou," principal fLJnders, we viould also like to ihank Trussell Trusc Rec, Ihe Access tojustice Foundation, HeadleyTrust, Feeding Briiain, Yorkshire Building Society, Pocklingto Town CrJunciS, the Two Ridip,gs Foundation and Stamp,Jackson & Proctor. Tre Trustee.5 are very graieful for t.e support which has enabled iio org3ni&31ion to provide services this year. Support Services The TrusLees are verygrateful and would like to thank Pepperells, Stamp,Jackson & Proctor, Williamsons, Pinkney Grunwe115 3r.,d Jean Cockerline for the free legal advice they offer LO clients in the weekly Legal Advice Clinics. Citizpn£Advice qLJ I &-. asr RidIn7Arjdl qeaort 202425 25
Financial review Financial position Despite a challenc7ing fvjnding enMronmenL we have continJed to improve ou". iJ/erall leiel of i unfjiiig. Inroming resources in ihe year were £3,683,337 (2024: £3,412,320) and of this £2,928,107 reloteo to Restricted funds. Expenditure was ,)00,801 (2024". £3,147,557) in SLiPPOrt of our charitable objectives with a surplus of £182,536 (2024. £264,763) At 31 st March 2025 total fund balances were £1,790,954 (2024.. £ 1,608,418) Reserves Policy Hull and East Riding Citizen5 Athice Bureau h,olds Iinancial reserves"o be applied to fulure activilies under the following categories- Unrestrirted - as protection against the imtTiodiate impact of fundin8 ckidriges and lo provide cover fo, unforeseen, essential expendiiure. W thin our unrestricted rese.ves we de5 grk3te reserves which are set aside for planrec investment in tech,nology and service development. Res-ricted - to be spent on specific purpose5 aetermined by the funder. The trustees of Hull and East Ridiig Ciiizens Athice Bureau L'mited believe that the Organi[lOn shoL'ld hold i nancial reserves n order to ensure that the charity can continue to operate effectively and meeL the needi of clieiils in the ever'i of unforeseei and poteqtially darTiagiig circumstances arising. Each year ourTru5tee Board reifjew5 our", eserves policy and considers Ihe appropria=e. level of unrostricted reserves. I he Board also considers Ihe reserves p051tion of Ihe charitable company on a quarterly basis when revi@ving Ihe management accoJnts with an analris of Ihe results by activity and the forecasi results for Ib.p. coming quarters, iogother with a review of managemeni of debtors, Statistical ma.iagement indicators and cash flow anawis and forecasts. Sn aetermining the 3ppiopriate evel of reserves the trustees con<ider the financial rislG to Ihe organisdtion and the likelihood o Ih,at risk rrarerialisinu Trustees cori)ioer tha- restricted grant unding would meei tiie exit strategy commiiments for thai serfflce. Tru51ees considerrhat it is prudent to set asice Reserves within a range 013 to 6 monrhs operating costs which is reviewed annually. As at 31 March 2025 our Unro£tricted Funds Iroew availablo (fr& resepJes') were E1,292,608 (2024. £1,233,/24) equa ing 10 4.4 months of tOLal operaiing expenditure. Our restricted funds were £192,65112024: r221,811 } reDrosenting Lho balance of ongoing funding and projects. These balances can only be applied in accordance with funders, condil ons and are not covered by OLJr reserves policy. 26 Ci-izens Athce Hull & Easr Rdinty Annijal 4eport 2024-25
Statement of trustees. responsibllitles The trustees (who are also the directors of Hull and East Ridipg Cit lens Adifjce Bureau Limited for the purposes of cornpany law) are reiponfible for preparing the Report of the Trustees and the financial siaiements in accordance w,th applicable law and United Kingdotll Accounting Standards {LJnited Kingdom GenerallyAccepted Accounting Practice) Company law require5 the trustees to prepare financial statemens for each financial year ivhich give a true and lair vievl of the State ofaffairs of the charitable company aqd of the incoming resources and application of resource< Including the income and expenditure, of the charitable company for that period. In preparing those financial statements, Ihe trUee5 are required to. selecr. sijttable accounting policies and Ihen app them consistentv, observe the methods and priniiples iq Ihe Charity SORP, makejudgements ar,d estimates Ihat are reasonable and prudcnt., State whether applicable UKAccounting 5tc]ndaras have been lo'.lowed, subjoct to any material dopartures disclosed and exg'ained in Ihe financial statements,. prp.pare the financial _£tatoments on trie going conce"n basis unless It 1£ inappropriate to presume thai Ihe charitable companywill cont11ue in busir,esi. Thc Iru5tees are responsible for keeping proper accouniing recordf wmich disc105o wilh roason3ble accuracy at any tinie the financ al position of-he ctr.aritable company and 10 enable them to ensure thal the financial statemenrs comply with the Companies Act 2006. Tney are also responsible for safeguard.ng the assets of the charitable company and hence for taking rea50nablo Steps for the prevention and deiecLion of fraud and oiher irregularities. In so far as the trustees are aware. Ihere is no relevant audit information of vthich the chatitable compaols auditors are unaware, and the trustees have taken all steps ikidl Ihey ought to have taken to make LllemSees awdre of any relevant aucit information and to establish that the audiiors are aware of that information. The trustces are responsiblc for the rraintenance and integrity of Ihe corporate and financial information included op the chariiable companys websiLe. CLmes rtsS Cit 7p.ns A(fv,ce Hi.1 & East Ridiiic A-nual Reuorf 2024-25 27
Report of the Independent Auditors to the Members of Hull and East Riding Citizens Advice Bureau Limited Opinlon We have audited Ihe financial siaLements of Hull and East Riding Citizens A(fvice Bureau Limited l>e the Statement of (the'charitable compann for the year ended 31, March 2025 which comp,, - Financial ActDJ,lies, the Bcalance Sheet, the Cash How Statement and notes to the firiancial ¥catements, induding signtFicant accounting policies. The fifjancial reporting framework IhaL has been applied in their preparation is applicable law and Un,'ted Kingdoffl Accounting Standards, ncluding Financia Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland IUniLed lQngdom GeneraltyAccepted Accouniing Practice). In our opinion the financial staiements. give a true and tair view of the state of the charit3ble companys affairs a5 at 31" March 2025, and o". its incoming resources and application of resources, includin(T income and expenditure, for the year Ihen ended,. have been property p"epared in accordance with Untted Kingdom GeneralAcCepted Accounting Practice,. and have been prepared in accordance wti the requirements of the Companies Act 2006. Basis for opinion we conducted our audii In accordance Wilh Iniemaiionai 5L3ndards on Audiiirg (um (TSAS IUK)) and applicable law. Our responsibilities under ose standards are further describod in the auditor responsibilities for the audil O". the financial statements section of our report. Wje are independent of the charitable company in accordance with the ethical requirement5 that are elevant to our audit of the financial atements in the UK incluo.ng the FRC'S Ethical Standard, and we have lulfilled our other ethical responsibilityes in accordance these requirerrents. We believe that the audit evidence we have obiaineu is sufficient and appropriate to provide a basis Tor ouropinion. Conclusions relating to going concern In auditing the financial statements, we have conclJded tha:, the trustees, use of the going cor)cerr basis OT accounting in the prewraiion of the financial statements is appropriate. Based on Ihe workwe have performeu, we have p,ot identified any material uncertainties relating to evenE or conditions that, indrvidualw or collectively, may casi sign,:ficant doubi on the charitable companls ability to conLinue as a going concern for a period of at least twelve rr.onths from when the financial staiemenis are authorised for issue. Our respon_£ibilities and the responsibilities of the tru%ees wtth respect 10 going concem are described in the relevant sections of Ihis reporL Ciiizens Acce rlull & EaJl Rciig Annu31 Report 202425
Other information The oiher information comprises the infoYn3tiop included in Iho trustees, annual report, oiher than the financial stc)tements and our audiLofs reoort th,eroon. The Irustees are responsible ror the other information. Our opinioii on the financial statements does noi cover the other informa.ion and, except to the extent otherNise expl.cIt staled in our retx)rt, we do not express any form of assurance conclusion thereon. Our responsibilty is to read tie other information and, li do n8 SO, Lorisider whether rhe other iYlorrr.aiion 16 materialw inconsistent 11th tkie financial siaiements or our knowledge obtained in the course of the audit 01 otherwise appears to be materially misstated. Ilwe identify such maier al inconsistencics or apparent material misstatements, we are required to determine whether Ikiis gives rise to a materia1 mis) atement in the financial staierrents Ihemselves. If, Jased on the work we Yave performed, we conclude thaL there 15 a maierial misstatemen- of this other informaLion, we are requirec to report that fact. We have natning 10 re.porr in this regard. Opinions on other matters prescribed by the Companies Act 2006 In our opinion, based on the wor'& undertaken in the courso of the audir. the information given in the trus:ees' report, which nclude) the direG.org report prepared foi the purposos of company law, for th,e financial year for which the financial Statemen are prepared is consistent with the finanaal 5LaLements, and the directors, report inclu,ded within Ihe Irusiees, report has been prepared in accordance with dpplicable legal requireirients. Matters on which we are required to report by exception In the light of the knowledge and undersianding OT the charitable company and its enwronment ODiaired in the course olihe aud t, we have not ideniified material misstatements in the [strategic repoFt or the] directors, repoFt included wthin the Irus=ees' report. We have nothintT 10 report in respect o,. th.e following matters in relation to vfv. ch the Companies Act 2006 requires us to report 10 YOLJ rf, in our op:nion" adequate accounting records have not been kept, or retums adequaie for our audit have not been iecewed from brariches noi visited by us,. or the financial statemegts are no- in agreement wth Ihe accounting record5 31d returns; or cert3in oisclosures of trustces, remuneration specified by law are noL made,. or we have not rocerQd c]11 thc) irilormaiion and explanaiioiis we requirc for our audit," or the Irustees were not enliiled LO take advantage of small companies, exempi.on from Ihe requirerrent to prepare a irate8 c report Responsibilities of trustees explained more fulty in the trustees, responsibilities staterr,ent set on page 27, th,e trnjstees {vvho are also the directors of the charitable companyfor the purtK)se5 of comJany law) are responsible lor the preparaiion of the financial stalements and for being <atisfied that Lheygive a true and fair view, and for such internal control as the Irustees determine is necessary to enable the preparation or financial staiements Ina: 3re free from maierial rni55tatement, wheiher due to fraud or error. cifiie.ns knce HLII & Edsr Ridin8 AnnLa,, Report ?D2tyi.5 29
In preparing the financial statemenis, the trustees are respons'.ble for assessing the charitable compan/s ability to continue as a going concern, disclosing, as applicable, matter< rclated to goirig oorioern and using the 8Olfl8 Concern basis ol aciouriting unloss the tiuiees either intend to Iiquidale the charitable company or to cease OFErations, or have no realistic alternative but to do so. Auditor responsibllities for the audlt of the financial statements Our objettives aro to obtain reasoyable assurance about whothorthe fiqancial statements as a whole are free from T,arerial misstatement, whether due to fraud or error, and to issue an auditors report that includes our opinion. Reasonable assurance is 3 high level of assurance, but is noi a guarantee that an audit conducted in accordance with ISAS (UK) wll always detecL a maierial misstatement when it exists. Misstatements can arise from fraud or error and are Cofisidered ma=erial if, individually or in the aggregate, they could reasonabw be cxpocted to Influence the economic decisions of use15 taken oy Ihe basis of these financial statements. Irregularities, induding fraud, are in5lances of non corppliance with law5 and regulaiion5. We desigi procedure5 line with our reswnsibiliiies, ouilined above, to detetl material mi5StaLemenE iri respLict ofirregular'ties, including fraud.The extent 10 which our procedures are Cdpable of deiectiig irregulariiies. incldding fr3ud is detailed below.. Our approach to ident.fying and assessing the risks of material misstatement in respect of irregularitias, including fraud and nori-compliance with laws and re.qJlations, was focused ipecific law£ and regulations which we coniidered may have a direct material effect on thc financial atements or the operation5 of the char&ble company, including Ike Chariry Act 2011, -he Companies Art 2006, tax legisla:ioi, data protoction, anti-bribery, cmployment, safeguarding regulations and health and safety legislation. An ugderstanding ofthese la and regulations and the extont of compliance was obtained Ihrough discussion wilh managemeni and inspecting legal and rcgulatory correspondence. We assessed the SLJsceptibility ol tne charitable companls financial xatements to maierial mi55tatement, including obtaining an understanding of how fraud might occur, by making enqu ries ofmanagement and considering the internal controls in place to mitigate risks of fraud and non-complidnce with laws and regulations. To address the risk of frau'd througfv management bias and override of control) we. performed analPical procedures to ideniify any unusual or expected relaiionships,. tested journal entries to identify unusual transact.ons, assessed whetherjudgements and assumptions made in determining the accouniing eSLimates were indicative of potontial bias,. and invest.,gated th,e raiionalc behind 5ignificani or unusual transactions. In response to the risk of irregularities and non10m1cO wilh laws aTid regulations, we designed procedures wiich included, bJi t wei e noL limited to" agreeir,g financial statemenr.fj disclosures 10 undetying supporting documentation,. reading Ihe minutes ol meetings Oi those chargeo with governance," enquiring of rn.ar.agement as to atLual and potential litigation 3nd claims., and revievdng correspondence witk HMRC, relevani regulaiors and the charitable companls legal advisors. Ciiizens Athfjce qLII & Ea Ricing Annual Report 202L25
Because of the inherent limitations of an audiL there is 3 risk that we wll not delect 811 irregulariiies, includingthose leading to a material misstatemerni in the financial siatements or no?-compliance viith regulation. This nsk increases the more Ihat compliance with a law or regulation is removed from the events and trans3Qions refleed in tho fiyancial SLaLements, as we will be less likeWto become aware of instances of noniompliance. The risk is also greater regarding irregulari-ies occurring due to fraud rather than error, as fraud invo5 intentional concealment, forgery, collusion, omission or misrepreseniation. A further description o,. our responsibilities is available Oil the FRCS web51te at httPS.'//www.frc.org.uk]auditorsresponsibilities. This description fo.-ms part of our auditorfs report Use of our report This report15 made Sole to the chariiable compatys members, as a body, in accordance with Chapier 3 of Part 16 oftho CompaniesAct 2006. Our aucit work has been undertaken so Ihat we might Stale 10 the charitable compap.ls memtRrs Iho)e mattLsrs we are required to ¥Late to theT ip an 3udiiorfs reJort and for no otber purpose. To Ihe fullest extent permitted by law, we do not accepL 01 assume re5pon5ibilitytO driyone oiher than the charitable cotfipdny and tl,e charitable companls mombcrs as a body, for our audit worl ior this Fcpoo or for the opinions we haveformed. Stephen Bramall B . FCA {Senior Statutory Auditor) for and behalf of Smalles Goldie Chartered Accountants ststutory Auditor Regenys Court Pri ncess Street Hull HU28BA I I Ill ?J25 Citi7ar£ Advi=e 4u!l & Fa%r 4id:ngA-.Dua' Repffl 202L25 31
Hull and East Riding Citizens Advice Bureau Limited STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2025 (INCLUDING INCOME AND EXPENDITURE ACCOUNT) Unrestricted Funds Restricted Funds Total 2025 Total 2024 Note Income from: Donaliops & legacies 52,865 2,000 CharitaNe a-tivities 652,704 2,g26,107 3,578.811 3,331,398 Inveslmenl Income 40.882 40.882 14.574 Other income 8.779 8.779 TOTAL INCOME 755,230 2,928.107 3 683,337 3412,320 EXPENDITURE ON Charitable a¢tivities Advice and Information 554.241 2.946,560 3,500.801 3,147,557 TOTAL EXPENDITURE 554,241 2.946,560 3,500,801 3,147,557 NET INCOMEI IEXPENDITUREI 200.989 (18.4fj3) 182,536 264,763 Transfers Between Funds 10,707 {10,707) NET MOVEMENT W FUNDS 211.696 (29.160) 182,536 264,763 Reconciliation of Funds Fup.ds brought fnrviara al 1 April 2024 1.386,607 221,811 1,608.418 1,343,655 Funds carried forward 31 March 2025 1598,303 192,651 1 790.954 1,608.418 A comparative Statemenl of Financial Activities is found in Note 2 The Statement of Financial Aclivilies includes all gains and losses recognised in the year. All of the Charivs activities derive from continuing operations. 32
Hull and East Riding Citizens Advice Bureau Limited BALANCE SHEET AS AT 31 MARCH 2025 2025 2024 note FIXED ASSETS Tangible Assets 12 168,201 168,201 16.756 16.756 CURRENT ASSETS Debtors Cash at bank and in hand 13 179.537 1.605.627 1,785,164 299,226 1,479, 161 1,778,387 CREDITORS: Amounts falling due within one year 14 1162,4111 1186,7251 NET CURRENT ASSETS 1 622,753 1,591,662 TOTAL ASSETS LESS CURRENT LIABILITIES 1,790,954 1.608,418 TOTAL NET ASSETS 1.790.954 1,608,418 FUNDS Re51ricled income funds Unrestriclpd income funds General fund Designated fund 192,651 221,811 15 1.458.303 140,000 1,246,607 140,000 TOTAL FUNDS 1.790,954 1,608.418 The notes on pages 35- 50 foitn part of these accounts. These accounts are prepared in accordance with the special provisions of part 15 of the Companies Act 2006 relating to small companies and constitute the annua unts required by the Companies Act 2006 and are for 4fcLJlation to members of the company_ name.. James Doyle fole." Chair of Truslees Company Registration Number . 05141612 (E nd&W 33
Hull and East Riding Citizens Advice Bureau Limited STATEMENT OF CASH FLOWS YEAR ENDED 31 MARCH 2025 2025 2024 note Cash flows from operating aclivities Net income/lExpenditurel for the per0d 182,536 ?64.763 Adjusted for-. DepreElètion charge InEStent Income 12 12,274 4,259 14Q,8821 114.5J41 Decreèsellincreasel in debtors 13 119,689 175,7271 IDecreasel/increase in creditors 14 152,0871 Net cash flows from operating actlvilies Cash flows from investing activities IntEre5t receivable and similar incomin8 resources 249.303 126,634 40.882 14,574 Tangible fixed 355ets additions 12 163 719 21.014 Net cash flows from investing activitie5 1122.8371 6,4401 Net increaselldecreasel in cèsh and cash equivalents 126.466 120,194 Cash and cash equivalenLS at l April 2024 1479 161 1 358 967 Cash and casb equivalents at 31 March 2025 1 605 627 1479,161 All of the casb flows are derived from continuing operations duripg the above two periods. There is no debt in the company and therefore no recontiliatitin of Net Debt is provided. 34
Hull and East Riding Citizens Advice Bureau Limiled NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 The principal accounting policies applied in the preparation of Ihese financial statements are set out below. These policies have been consistenlly applied to all the years presented, unless otheiSe staled. Basis of preparation The financial slalements of the charitsble company, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP {FRS 102) 'Accounting arkd Reportinq by Charities.. Statement of Recommended Practice applicable to charities preparing their accoun15 in accordance with the Financial Reporling Standard applicable in the UK and Republic of Ireland IFRS 1021 (effective 1 January 20191,, Financial Reportinq Standard 102 'The Financial Reporting Slancjard applicable in the UK and Republic of Ireland, and Ihe Companies Acl 2006. The financial statements have been prepared under the historical cost convention. Going concern Hull and East Riding Citizens Advi Bureau is well placed to manage our liabilities as they fall due and the business risks we face. The Trustees have considered the challenges presented lo the Charity in preparing their financial forecasls. Our review demonstrales that the Charity is anlicipaling generating income in the corning year and beyond that. and has sufficient financial resources to enable the Charity meet ¢15 obligations as they fall due for a period of at least 12 month5 from the date of signing of these accounts. The review of our financial posilion, reserves levels and future plans gives Trustees confidence the charity remains a going concern lor the foreseeable future. Income All income is recognised in the Slalemenl of Financial Activities once the charity has p.ntillemenl lo the funds and any performance conditions have been mel. il is probable that the income will be rcceived dnd the amount can be measured reliably. Income from government and other grants. whether capital or revenue, is recognised when the charity has entitlement lo the funds, any perfomance cor,dilions attached lo the grants have been mel, il is probable that the income wll be received and Ihe amount can be measured reliably and is nol deferred. Income received in advance of the delivery of speafic deliverables is deferred until the criteria for income recognition are mel The value of services provided by volunteers are not included_ Expenditure Liabilities are recognised as experiolilure as sor)n as there is a leg31 or constructive obligation Lom mitting Ihp. r.harily lo that expenditure. it is probable that a transfer of cconomir. benefits will be required in selllenient and the amount of the obligation can be me3.8ured reliably. Expendilure is accounted for on an a¢r.ruals baqi8 and ha% been classified under headings that aggregate all cost related to the category. Where costs cannot be directly atlribuleé In particular hoadings Ihey have bcen allocated to activities on a basis consisterit with the use of resourcos. Allocation and apportionmenl of costs Charitable expendilure comprises those costs incurred hy the charity in the delivery of ils aclivilies and services for its benefic.iaries. 11 inc.ludes both costs that can be allocated directly to such aclivities and those costs of an indirect nalijre nece.ssary lo supporl them. 35
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 All costs are allocated between the expenditure categories of the Slalement of Financial Activities on a basis designed to reflect the use of the resource. Costs relaling lo a particular activity are allocated directly and general costs are aprK)rtioned on an appropriate basis e.g. per capita or estimated usage. Governance costs include those costs associated with meeting the constilutional and statutory requirements of the charity and ir)clude audit fees and aCrUnting costs Tangible fixed assets Tangible fixed assets are staled at cost {or dpp.med cost) or valuation le5S 3ccumulate.d deprp.c.ialion and accumulated impairment losses. Cost inr.ludes costs directly altribulable to making thp. asset capable of operating as intended. Individual fixed assets costing £4.000 or mare are capitalised at Deprecidliun is provided on all tangible fixed assets, al rates calculated lo write off the cost. less p..slimaled residual value, of each asset on a systematic basis over its expected useful life as follows- Plant and machinery elc 33°/o on cost Leasehold Improvemenls straight line over Ihe life of the lease Taxation The charity is exempl from corporation tax on ils charitable activities. Fund accounting Unreslricled funds can be used in accordance with the charitable objectives al the discretion of the trustees. Reslric.led funds can only be used for particular restricted purposes within Ihe objects of the charity. Restrictions arise when speafied by the donor or when funds are raised for Particular restricled purposes. Further explanation of the nalure and purpose of each fund is included in the notes to the financial stalemenls. Hire purchase and leasing commitments Renlals paid under operating leases are charged to the Sialcment of Financial Aclivilies on a straight line bdsis over tho period of the lease. Pension costs and other post-retirement benefrts When employees have rendered SeN1 to tlie Lompany. short tem) employee benefits and termination benefits la which the employees are entitled are recognised at the undiscounted amount expected to be paid in exchange for that service. The rxjmpany operated a defined contribution plan for the benefit of its employees. Contributions are expensed as they become payable. Donated goods Gift in kind donations are valued using the current market value of the donated services Debtors and creditors receivable I payable within one year Debtors and creditors with no slated interest rale and receivable or payable within one year are recorded at transaction price. Any losses arising from impairment are recognised in expenditure. 36
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 Impairment Assets not measured 31 fair value are reviewed for any indicab.on that the asset may be impaircd at each balance sheet d31e. If such indicalion p.xists. the recoverable amount of the asset, or the asset's cash ge.np.rating unil, is eslimaled and comparp.d to Ihe carrying amount. Where the carrying amount exceeds its recoverablc amount, an irnpairmp.nl loss is recognised in the statement of financial activities unless the assel is carried at a revalued amount whefe the imp8imient loss is a revaluation decrease. Financial instruments Classrfication Financial assets and finanual liabilities afe recognised when the charity becomes a party to the contractual provisions of the instrument. Financial liabilities and equity instruments are classified ar£nrding lo the substance of the contractual arrangemcnls entered into. An equity instrument is any contract that evidences a residual interest in the assets of the Charity after deducting all of its liabilities. Recognition and measurement All financial assets and liabililies are inilialw measured at transaction pri (including transaction C051s), except for those financial assets classified as 81 fair value through profil or loss, which are initially measured at fair value (which is normally the transaction price excluding transaction coslsl, unless the arrangement ¢onslilLJles a financing transaction. If an arrangement constitutes a financing transaction, the financial asset or financial liability is measured at the present value of the fulure payments discounted at a market rate of interest for a similar debt instrument. Financial assets and liabilities are only offset in the slalemenl of financial position when. and only when there exists a legally enforceable righl lo sel off Ihe recognised amounls and the Charity intends either lo sellle on a nel basis, or lo realise the asset and settle the liability simultaneously_ Financial assets are derecoqnised when and only when a) the conlraclual rights lo the cash flows from the financial asset expire or 2Te settled, b) the Charity transfers lo anolher party substanlially all of the risks and rewards of ownership of the financial asset, or cl the Charity.. despite having retained some, bul not all, significant risks and rewards of ownership. has transferred control of the asset lo another paty. Financial liabilities are derecognised only when the obligalion specified in the contract is discharqed. cancelled or expires. 37
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 2. Comparative Statement of Financial Activities Year Ended 31 March 2024 Ilncluding Income And Expenditure Account) Unrestricted Funds Restricted Funds Total 2024 Income from: Donations & legacies 56.834 56.834 CharilatrAe activities 424.114 2,907,284 3,331,398 Investment income 14,574 14,574 Other incx)me 9,514 9,514 TOTAL INCOME 2 907 284 3412 320 EXPENDITURE ON Charitable activities Advice and Inlomalion 341.275 2,806,282 3.147.557 TOTAL EXPENDITURE 341.275 2,806,282 3.147,557 NET INCOMEI IEXPENDITUREI 163.761 101.002 264,763 Transfers BetrNeen Funds 33,440 {33.440) NET MOVEMENT IN FUNDS 197.201 67,562 264,763 Reconciliation of Funds FLJnds b.rought forward 311 ApiTI 2Q23 1.189,406 154,249 1,343,6.55 Funds carried forward 31 March 2024 1386 607 221 811 1608418 38
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 3. Income from Donations and Legacies Unrestricted Restricted Funds Funds Total Unrestricted Restricted 2025 Funds Funds Total 2024 Donations In Kind Donations olher 50,000 2.865 52.865 50.000 4.865 50,000 6.834 50.000 6.834 2,000 Total 2.000 54.865 4. Income from Chariliable Activities Unrestricted Restricted Funds Funds Total Unrestricted Restricted 2025 Funds Funds Total 2024 Advico & Inforniation Services= Funder Access to Justice Foundation Armed Forces CoveTranl Trust Citi2Èns AdviLe - Armed FurLeS LitenS Advioe Debl Modernisalion Citizens Advice Energy projects Citizens Advice Help :o Cl¢Jim Citizens Advice - MoTrey A¢Jvice Service Citizens Advir£. P?nsion Wise Citizens Advice - The Guardian 87.822 51,400 87.822 51.400 87,829 47.862 87.829 47,862 2.000 41,455 319 340.307 605,433 433.805 39.591 2.OOQI 41,455 319 509,087 509,087 639,264 451.247 13.197 340,307 605,433 433,80f 39.591 451.247 13.197 Citizens Advice - Yoikshire Bulling Society 15,411 15.411 18,0 18,900 East Riding Food bank Edsl Riding of Yorkshire Council - East Riding Specialists East Riding of Yorkshire Council- Househokl Support r.und Feeding Britain Granlscape Withernsea Cost of Living HerTry Smith Hull Armed Forces 44.542 44.542 43,917 43.917 280,895 280.895 400.895 400.895 8.000 8.000 27.500 27,500 36,767 74,700 36,000 36.767 74,700 36,000 60,000 36.000 60.000 36,000 ull City Council - General Advice Service 550 000 550,000 550,000 550,000 Iqull City Council - Health Inequalilies Hiill Food bAnk 4umber Learning Consortium NHS Foundation Trust Northcrn Power Grid Pockllngion Town Councll Reckitt Rivpr Church Hull Smile foundat10n Other Smile foundation Training Stamp Jackson Proctor- Hospital OulTeach 80.000 80.000 82.753 131,434 ,753 131,434 43,073 103.305 2.805 222.720 3.OQO so.000 43,073 103.305 2.805 2?.?.720 3.000 50,000 276.398 ?.76,398 1,500 125,DOn 5.000 1.500 125.000 5.000 3,000 3,000 2,000 2,000 40,562 40.562 43.942 43,942 The Headley Trust Two Ridings Cornmuniry Foundation - Know your Neighbourhood Wilhernsca Biq Local Your Consortiurn 10,000 10.000 20,000 20,000 51,799 51.799 47,586 47,586 9,192 20,995 Total 652.704 2,926,107 3.578,811 424,114 2,907,284 3,331,398 39
Hull and East Ridlng Cltizens Advlce Bureau Llmited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDEO 31 MARCH 2025 5. Investment Income Unrestricted Fun(ts Restricted Funds Total Unrestn-led Restricted FuThJs kunds Tolal 2024 Incomo frorn bank deposrtS 4Q.882 É0.882 14.574 14.574 4CI 882 14 574 6. Other Income Urhreslricted Funds Restricted Funds TO1 Unrestricted Restriited 2025 Fund5 Funds Total 2024 Olher IncoTr 8.779 8,779 9.514 9.514 Total 14 9.514 7. Analysis of Expenditure on Charitable Activities Unre51riCted Funds Resiricied Funds Total 2025 Advtce & inforrnaltron serwces.. DircGI c0515 AllocaiÈd Support Costs15ee bebwl Governan Costs 2.760.B23 176.860 8.877 3.280.781J 210.127 33.267 1.0(YJ Total Resources IxpetKled 554 241 Staff Costs Oihei Costs Total 2025 Alkncaied Support Costs ¢¢)mprise 191.413 18.714 210.127 Unre51ryc:.d Funds Restrictpd Funds Total 2024 Prlor year AdVe & Informat Servi Direct c£sts Allocaled Support Cost5 Isee be) GovemaDce Costs 326,421 14.123 731 2.882.739 16.729 7,A14 3.Q09.160 130.2 Jf2 8.145 Total Resources Expeed -341.275 ?.806,? 3.147.557 Staff Costs (Xher Cosls Total 2024 Alkncated Supwrt Costs C[pn5£ 117.119 13.133 130.252 8. Net lThGomellExpend61urÈl for th* year TDlal 2025 This is siaied after chargiTrgllcrediiirvJ j Total 2024 Staff p8r.sion ConlribulKJns Operaliry Leases Oeprecialion Audit Fees 54,598 94.4(K) 12.274 8.880 45307 1ffi,946 4.259 8.132
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 9. Staff costs Staff costs during the year were as follows.. Total 2025 Total 2024 Waqes & Salaries Social Security Costs Pension Casts Termination payments 2.620.323 225.343 $4,598 2.243,898 196,696 45.307 9.228 2.900,264 2.495, 129 1 ewployee has employee benefits belween £60.000 and £70,000 in the year {2024-. 11 The average number of employees during the yearwas 2025 No. 2024 Management Advice and advocacy Admin & support 84 76 24 Total 115 104 Key Management Personnel include all pp.rsons that have aulhority and responsibility for planrning. directing and controlling the activities of the charity. The lolal emolume.nts of the key managemenl personnel were £235.38212024'. £218,879) 10. Trustee Remuneration and expenses Trustees were reimbursed Iravel expenses in thc year of £1.006. {2024'. £nil) 11. Corporation tax The charity is exempl from corporation tax on income and gains falling within Chapter 3 of Part 11 of the Corporalion Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains A¢.t 1992 to the extent Ihal these are applied to ils Chantab ohjecls. No lax charges have arispn in the charity. 41
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 12. Fixed assets: tangible assets Leashold Improvements Plant & Machinery Freehold Property Total Cost Al 1 April 2024 Additions 16.912 163.719 250.759 267,672 163,719 At 31 March 2025 180.631 250,759 431.391 Depreciation Al 1 April 2024 Charge for the year At 31 March 2025 4,031 10.907 246.885 1.367 250.916 12.274 14.938 248.252 263.190 Net Book Value Al 31 March 2025 165.693 2.507 168.201 At 31 March 2024 12.881 3.874 16,756 42
Hull and East Riding Citizens Advice Bureau Limiled NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 13. Debtors 2025 2024 Trade debtors Other deblors Prepayments Accrued income 145.986 194,783 22,284 28,284 53.875 22.756 10,795 179.537 299.226 14. Creditors- Amounts falling due within one year 2025 2024 Trade Creditors Taxation and soGial security costs Accruals Deferred Income Other Creditors 87.058 8,944 9.000 31,337 26.072 54.955 48.362 18.868 64.540 162411 186.725 43
Hull and East Riding Citizens Advice Bureau Limiled NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 15. Funds Balance 1 Incorning April 2024 Resources Outgoing Resources Gains & Balance 31 {Lossesl Transfers March 2025 Unrestricted funds: General Funds Desionated Funds Total unrestricted funds 1,246.607 140.000 1,386.607 755,230 1554,2411 10,707 1,458,303 140,000 1,598,303 755,230 (554,2411 10,707 Restricted Funds". Accp.ss lo Justice Foundation Artned Forces Covenant Trust Citizens Advice - BEIS Citizens Advice - Help to Claim 87.829 87,822 51.400 175.8381 151.4001 99,813 18,146 18.146 509.087 1509,0871 1639.2641 Citizens AL1vice - Money Advice Seivice Citizens Advice - Pension Wise Citizens Advice - The Guardian Client donation for Bridlirkgton office East Riding Food bank East Riding of Yorkshire Council HoLSsehold Support Fund Feeding Britain Fixed Asset Fund Henry Srrtilh Hull Armed Forces Forum 639.264 451,247 13.197 2.000 44.542 1451.2471 113.1971 2,000 144,5421 18.0001 8.000 27.500 19.5881 11.3671 165.3981 125,7821 17,912 2,507 9,577 3.874 14,975 60,000 36.000 (10.2181 Hull Cty Council - General Advice Service 22,466 550.000 1558,6321 13,834 Hull Food bank Humber Learninq Consortium dane Powell Legacy Pocklinglon Town c.ouncil Reckitts River Church Hull Statnp Jackson Proctor- Hospital Outreach The Headky TrLtst 82.753 131.434 180.4411 1130.9451 2,312 14891 9.394 1,500 60.248 9,394 1,500 11,578 4,078 1.500 125.000 5.000 11.5001 1173,6701 19221 3.379 40,562 143.9411 110,0001 151.7991 10.000 Two Rtdings Cotrmunty Foundation - Know your Nèighbourhood 51.799 Total restricted funds 221,811 2,928. 107 12.946.560} {10.7071 192,651 Total funds 1,608.418 3.683.337 3.500.801 1,790.954
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 15. Funds (Prior year comparativel Balance 1 April 2023 IncoTning Resources Outgoing Re50urGes Balance 31 March 2024 Transfers Unrestricted funds-. General Funds Designated Funds Total unrestricted funds 1.189,406 505.036 {341.2751 (106,5601 140.000 1,246.607 140.000 1.189.406 505,036 (341.2751 33.440 1,386,607 Restricted Funds: Access lo Justi Foundation Armed Forces Covenant Trust Citizens Advice - BEIS Citizeris Advice - Dp.bt Modernisation Citizens Advice - Help to Claim Citizenq Advicp Mnne.y Advice. Servic Citizens Advice - Pension Wise Citizens Advice The Guardian East Riding Food bank Fixed Asset Fund Gr8nlscape - Withernsea Cost of Living Henry Smith Hull Armed Forces Forum Hull City Council - Generdl Advice Service Hull Food bank Humber Learning Consortium Jane Powell Legacy NHS Foundation Trust Northern Power Grid Pocklinglon Town Council Reckills Screwfix Foundation Smile Foundation 87.829 47.862 (47.862) 18.146 18,146 41,455 340,307 605.433 433,805 39,591 43.917 (37.3531 (840.3071 1573.1481 14.33,1631 (39,5911 (43.9171 {2281 136.7671 (59.7251 (36.0001 1527.5341 (43.073) {103,305) 14.1021 {32.2851 16421 4,102 3,874 36,767 74,700 36,000 550,000 43,073 103,305 14.975 22,466 9.394 9,394 2,805 222,720 3,000 50,000 12.805} (222,207) 11.500) (101.761) 12,200) {3.000) 140,56.31 132,500) 147.5861 (9.192) 120,995) 15131 1.500 60,248 112.009 2,200 3,000 Stamp Jackson Proctor- Hosprtal OLrtreach The Headley Trust Two Ridings Comrnijnily Foundalion- Know your Neighbourhood Wilhernse2 Big Local Your Consortium 43,942 3,379 12.500 20,000 47,586 9.192 20,995 Total restricted funds 154,249 2.907.284 12.806.282) (33,4401 221,811 Total funds 1,343.655 3.412.320 13,147.557) 1.608,418 45
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 15. Funds {continuedl The specific Jurpose5 lor i¥hich ihe ftsnds are to be app'.ied are as follows: DESIGNATED FUNDS.. LI40,0 h25 been transferred from GeTheral FLnd5 to Designated Fund5 to cover ttre Costs of a Volunteer Sirdtt'gy over thg. couple of ypArs RESTRICTED FUNOS.. Access to Justice Foundation 5pecial""st debt and housing c3sework to BME or low-iticorne cornmpJ.iities_ Armed Forces Covenant Trust A fund to p-ovide a specialist adwce service to semng personnel, veierans ard rheir familie Citizens Advice - BEIS Funding to cover tran51tioning to rew ways of workiyg to accornrrodate remo:e WOTk&ng dLifing ana past Covid. Citizens Advice - Debt Modernisation A fund to renew equiprnepi for ov" advice services. Citizen5 Advice - Help to Claim elp to Claim is -undec by rhe Department for Work and Pensions via Cit12ens Aovice Naiitsnal_ It ts a projeti to help Universal support clairnarit5 Wlth the Initial claim5 Pfoie55. Citizen5 Advice- Money Advice Service A fac.p to face debi advice service fiJnaed fro. the Money Advice and PeTrsion 5enrice via Naticnal Cttizep.5 A(hJiie Citizenj Advice - Pensron Wise Pen5.'on Wise is funded by tie Money Advice and Pension serv.ce via Ci112ens Advice National iu provide guidance io over 50.5 on t4e new government pension options made-vailable fro. April 201S. This service 15 provided across Hill. f ast Ridir,g, 5cunthorpe anc Gr1rn5bv. Citizen5 Advice- The Guardian A fund '.rom the Guard.an Newspaper fo expapd adviEeline caFacity. Client donation for Bridlington office É2tX]J low3rd5 Cost at the 8ricllington office. East Riding Food bank Advice in luodbanks based Tn the Easr Riding. 46
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENOED 31 MARCH 2025 East Riding of Yorkshire Council- Household Support Fund A fund ia provide adv.'cE services ta Ilient5 In ,"eceipt of Ilousehold SL+PPQrt funds. Feeding 8ritain A fund ro provide advice Services for clients at rick of food wverty Fixed Asset Fund The fixed a55et fund alp funds tn cover tne cnst nf fixe.d a%5ets funded from othe". restricred fnd4 that will be depreciated over è period of years. Grantscape - Withernsea Cost of Living The provision of an advice service based in Withernsea. Henry Smith Funding for a court OiJtreach seNce. Hull Armed Forces Forum Armed Forces Hull Is fJnded tsy the Hull hAilitary Covenant to provide ? 5pecia115t adwce serwce to serving personnel, vpteran5 and their familie5 in the HLII area. Hull City Council - General Advice SeNice A fund to deliver generalist advice services from the Wilsoi Centre. Hull Food bank Humber Learning Consortium Part of the Building Betrer OpportllP.IliP5 programme. this fund deliveT5 financial irbtluslDn advite to clienLS referred frorn Key Workers In Hull and the Éast RidiTIE. Jane Powell Legary A leR3CV fund re£eived dijring ?.?17 and is re5Lricted to bp used at one specific branch. NHS Foundation Trust An advice linr for cmployL'CS of an NHS trust Northern Power Grid An ad vice. service to custorners ol Norrhern Powergrid who are in or at risk of fjel poverty. Pocklington Town Council A donation to support an outreach advice seNcp In the PocklingtoTh ATea. 47
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 Reckitts A fund to increase advice capacity acros5 our services. River Church Hull A lurid lu provide an advice outreach Screwfix Foundation A grant from rhe Screwfix fOUdatIon for repair5 and maintenance. Smile Foundation A fund for management time to develop a proof of ctsncept about how our data tould be better use Reckitts A fund to inrrease advice czpacity across our Services. River Church Hull A fund to providè an advice outrea¢ Screwfix Foundation A gr3.ii from the 5crew.fix fOudatIon for repairs and maintenance. Smile Foundation A fund for map.agement time to develop a proof of concepi abou: how our data could be bètter used. Stamp Jackson Prortor- Hospital Outreach Stamp Jackson Procter SolitilOfS fund a htsspi131 outrÈ3th to provide weekly 3dvi=e SUTEerie5 in Hull Royal Infirmary and Castle Hill Hospital The sewice i5.or ?atient5 and their fami'ies who hawe suffered trèumaiic, life Ihangitlg Illnesses or EEEidEnt5. The Headley Trust A fund to Inc-, e35e 2dvice iapacity acr055 our 5ervice5_ Two Ridings Community Foundation- Know your Neighbourhood A fL&n(I to train up wountee'. s for cdvice work. Withernsea Big Loc31 The provision of 3dvice based Withernseè and to SUPQOrt the recru.tment and iraining of up to 5 k>cal volunteers to a Level 2 3dvice. qualific.atior,. Your Consortium Part of the Building BeLtÈr OpportJnities pro8r2mme, this tuTrd provides Keywor%er support deliveis advice lo re51dent5 In the East Riding. Restricted Transfer of Funds f iO,?18 transfer of fuads oJt of restrittèd Telaie5 to è PToJect where perforrn3nce obli8ations have been met and so 5urplLs funds are eligtble for tr8n5fer to General furds. E489 transfer of funds out ot re5tiicted relate5 lo a project where performankne obligations have been met and so surplus funds are eliEible for transfer to General fund5. 48
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 16. Analysis of net assets between funds Designated funds Restricted funds General funds Tolal Current reporting period Tangible fix&d assets Current assets 165,695 1,3thO,195 167.5871 2.506 284.969 194.8241 168.201 1,785,164 1162,4111 140.000 Total 1.458.303 140.000 192,651 1,790.954 Designaled funds ReslTlCted funds General funds Total Previous reporting perlod Tangible fixed asset5 lurrenl assets 12.883 1,241.765 18.0411 3,873 396.622 {178,6841 16,756 1.778.387 (186.725) 140.000 Total 1,246,607 140,000 221.811 1,608,418 17. Ana5ysis of Cash and Cash Equivalents At 1 April 2024 1,479,161 1.479.161 cashflow 126,466 126,466 at 31 March 2025 1,605,627 1.605,627 Cash at bank and in hond Total At 1 April 2023 1.358,967 1.3551.9fi7 cashflow 120.194 at 31 March 2024 1,479,161 1.479.IAI Cash ai bank and In hand Total 120.194 18. Financial instruments 2025 2024 Categorisation of financial instrurnents Financi31 assets that are debt in5trJments measured at amortised cost 1,762.408 1,750.1Q3 f inancial liabilities measured a: amortised tost 131,074 t86.725 f inancial assets that are debt instruments measured at amortised c05t consisl of cash. tr3de and other debtor5 .Ind acr.rued incnrne. Financial liabilities measured a: amortised cost consjst of trade & other crediiors and accruals 49
Hull and East Riding Citizens Advice Bureau Limited NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENOED 31 MARCH 2025 19. Operating lease commitments The £harity's total future minimum lease payments under non-cancellable operaiing le3ses 15 as follows for each of the following periods.. Property 2025 2024 Le55 than one year One to live years over five years 43.000 84.000 24,932 127,000 24.932 20. Ultimate Controlling Party The company Is ndr the control ol the directors as a body and as such is not crJntroll&d by any Individual. 21. Related Parties There were no related paty Iransaclions during the year.12024.. £nill 50
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