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2023-12-31-accounts

CHARITY REGISTRATION NUMBER: 1106737

Reb Moishe Foundation Unaudited Financial Statements

31 December 2023

HAFFNER HOFF LTD

Accountants 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

Reb Moishe Foundation

Financial Statements

Year ended 31 December 2023

Page
Trustees' annual report 1
Independent examiner's report to the trustees 5
Statement of financial activities 6
Statement of financial position 7
Notes to the financial statements 8

Reb Moishe Foundation

Trustees' Annual Report

Year ended 31 December 2023

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

Reference and administrative details

Registered charity name Reb Moishe Foundation Charity registration number 1106737 Principal office 105 Cavendish Road Salford M7 4NB The trustees Mrs J Lachs J Strom Independent examiner Mr Howard Schwalbe ACA 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

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Reb Moishe Foundation

Trustees' Annual Report (continued)

Year ended 31 December 2023

Structure, governance and management

Reb Moishe Foundation is an unincorporated charity constituted under a trust deed dated 25 July 2004. It is a registered charity with a charity number being 1106737 and was registered as a charity on 12 November 2004.

Recruitment and appointment of new trustees would be in line with the Trust Deed and with the consent of the trustees. The criteria set for the suitable candidate would be someone who is sensitive to the needs and demands of the organisation.

There is no chief executive officer. The day-to-day affairs are undertaken by Mr J Strom on behalf of the trustees. All major decisions are taken collectively by the trustees and all the trustees give of their time freely. The trustees are unpaid and details of any related party transactions are disclosed as applicable in the notes to the accounts. The arrangements for setting the pay of the charity’s employees are the sole domain of the trustees.

There are no policies for the induction or training of new trustees.

Risk review

The Trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the Trust, and are satisfied that systems are in place to manage our exposure to the major risks.

The risks faced by the trust are principally operational risks from ineffective grant making. These risks are managed by the trustees researching potential beneficiaries before granting donations.

Report back and review procedures strengthen these safeguards to ensure public benefit is achieved from all grants.

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Reb Moishe Foundation

Trustees' Annual Report (continued)

Year ended 31 December 2023

Objectives and activities

The objects of the charity are to such charitable purposes in such a manner and in such proportions as the trustees shall from time to time in their absolute discretion determine.

Public benefit

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit and in particular to its supplementary public benefit guidance on advancing education when reviewing the charity's aims and objectives and in planning future activities and setting grant making policy for the year.

Grant making policy

The charity has established its grant making policy to achieve its objects for the public benefit. The charity invites applications for funding through contacting local philanthropists to contribute towards projects that both the trustees and the philanthropists feel are appropriate for the charities objects.

The application of the funds by way of grants is to either institutions or individuals and is almost always to institutions.

The trustees consider they have met the public benefit test and outline these achievements below.

The trustees measure the success of achieving the stated aims by the number and value of grants paid out for each object. The grants paid out in the year are detailed in the notes to the accounts and the trustees consider they have met their aims successfully this year.

The trustees consider the shorter-term aims to be similar to the longer term aims and assess the achievement of the charity in the same way.

Achievements and performance

The Charity received donations in the year amounting to £19,700.

The charity had investment income receivable in the year amounting to £28,403.

The breakdown of all the income can be found in the notes to the accounts.

There were payments of £320,005 by way of grants and support costs. These grants were made in line with the stated objects of the charity and were for relief of poverty and educational purposes.

The investment fund was revalued at the year-end that resulted in an unrealised loss at the year-end amounting to £7,830 is detailed on the face of the SOFA.

The charity has low governance costs comprising professional fees.

There were no material fundraising costs during the year.

There were no related party transactions in the reporting period.

The charity recorded net expenditure during the year amounting to £271,902 before other recognised gains and losses.

There was an overall net movement in funds during the year amounting to £279,732.

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Reb Moishe Foundation

Trustees' Annual Report (continued)

Year ended 31 December 2023

Financial review

Investment performance

The investment property is showing an overall return of 5%. This is made up of a 6% return from the investment properties and a 4% from the investment fund. This is considered more than acceptable when compared with returns available on deposits in any of the banking institutions.

The investment fund was also revalued downwards as mentioned above.

The trustees are confident that the returns on these investments will be consistent for the foreseeable future.

Reserves policy

The Unrestricted Fund represents the unrestricted funds arising from past operating results.

The Trustees are satisfied that the balance of the Fund is an acceptable level of reserves given the nature of revenue receipts against grants payable.

In considering the financial obligations of the charity, the trustees have resolved to maintain a minimum reserve, being the current assets of the charity.

The trustees have considered the fair value of the investment property and consider the holding value to be the fair value.

The trustees consider that the year was acceptable in terms of income generated from its investment and grants paid out. The trustees are delighted to have made many valuable contributions to the community as a result of these donations and hope to be able to do so for many years to come.

The free reserves being the net current assets stand at £641,099 all of which are unrestricted.

The trustees' annual report was approved on 31 October 2024 and signed on behalf of the board of trustees by:

J Strom

Trustee

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Reb Moishe Foundation

Independent Examiner's Report to the Trustees of Reb Moishe Foundation

Year ended 31 December 2023

I report to the trustees on my examination of the financial statements of Reb Moishe Foundation ('the charity') for the year ended 31 December 2023.

Responsibilities and basis of report

As the trustees of the charity, you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (‘the Act’).

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

Independent examiner's statement

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

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair' view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Mr Howard Schwalbe ACA

Independent Examiner

2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

31 October 2024

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Reb Moishe Foundation

Statement of Financial Activities

Year ended 31 December 2023

2023 2022
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 4 19,700 19,700
Investment income 5 28,403 28,403 29,712
---------------------------- ---------------------------- ---------------------------- ----------------------------
Total income 28,403 19,700 48,103 29,712
============================ ============================ ============================ ============================
Expenditure
Expenditure on raising funds:
Investment management costs 6 1,328 1,328 1,875
Expenditure on charitable activities 7,8 318,677 318,677 95,756
-------------------------------- ---------------------------- -------------------------------- ----------------------------
Total expenditure 320,005 320,005 97,631
================================ ============================ ================================ ============================
-------------------------------- ---------------------------- -------------------------------- ----------------------------
Net expenditure (291,602) 19,700 (271,902) (67,919)
================================ ============================ ================================ ============================
Other recognised gains and losses
Losses from revaluation of fixed assets (7,830) (7,830) (20,718)
-------------------------------- ---------------------------- -------------------------------- ----------------------------
Net movement in funds (299,432) 19,700 (279,732) (88,637)
Reconciliation of funds
Total funds brought forward 1,451,473 1,451,473 1,540,110
----------------------------------------- ---------------------------- ----------------------------------------- -----------------------------------------
Total funds carried forward 1,152,041 19,700 1,171,741 1,451,473
========================================= ============================ ========================================= =========================================

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 8 to 15 form part of these financial statements.

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Reb Moishe Foundation

Statement of Financial Position

31 December 2023

2023 2022
Note £ £
Fixed assets
Investments 14 530,642 518,870
Current assets
Debtors 15 195,200
Cash at bank and in hand 448,539 935,243
-------------------------------- --------------------------------
643,739 935,243
Creditors: amounts falling due within one year 16 2,640 2,640
-------------------------------- --------------------------------
Net current assets 641,099 932,603
----------------------------------------- -----------------------------------------
Total assets less current liabilities 1,171,741 1,451,473
----------------------------------------- -----------------------------------------
Net assets 1,171,741 1,451,473
========================================= =========================================
Funds of the charity
Restricted funds 19,700
Unrestricted funds:
Revaluation reserve (30,329) (22,499)
Other unrestricted income funds 1,182,370 1,473,972
----------------------------------------- -----------------------------------------
Total unrestricted funds 1,152,041 1,451,473
----------------------------------------- -----------------------------------------
Total charity funds 17 1,171,741 1,451,473
========================================= =========================================

These financial statements were approved by the board of trustees and authorised for issue on 31 October 2024, and are signed on behalf of the board by:

J Strom Trustee

The notes on pages 8 to 15 form part of these financial statements.

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Reb Moishe Foundation

Notes to the Financial Statements

Year ended 31 December 2023

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 105 Cavendish Road, Salford, M7 4NB.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements did not require management to make judgements, estimates or assumptions that affect the amounts reported.

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

3. Accounting policies (continued)

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Investments

Unlisted equity investments are initially recorded at cost, and subsequently measured at fair value. If fair value cannot be reliably measured, assets are measured at cost less impairment.

Listed investments are measured at fair value with changes in fair value being recognised in income or expenditure.

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

3. Accounting policies (continued)

Investment property

Investment property is initially recorded at cost, which includes purchase price and any directly attributable expenditure.

Investment property is revalued to its fair value at each reporting date and any changes in fair value are recognised in income or expenditure.

If a reliable measure of fair value is no longer available without undue cost or effort for an item of investment property, it shall be transferred to tangible assets and treated as such until it is expected that fair value will be reliably measurable on an on-going basis.

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

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

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

3. Accounting policies (continued)

Financial instruments (continued)

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

4. Donations and legacies

Restricted Total Funds Restricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Grants
Grants receivable 19,700 19,700
Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Income from investment properties 19,602 19,602 19,896 19,896
Income from other investments 8,800 8,800 9,815 9,815
Bank interest receivable 1 1 1 1
---------------------------- ---------------------------- ---------------------------- ----------------------------
28,403 28,403 29,712 29,712
============================ ============================ ============================ ============================

5. Investment income

6. Investment management costs

Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Administration of investments 1,328 1,328 1,875 1,875
======================= ======================= ======================= =======================

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

7. Expenditure on charitable activities by fund type

Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Charitable grants 317,250 317,250 94,285 94,285
Support costs 1,427 1,427 1,471 1,471
-------------------------------- -------------------------------- ---------------------------- ----------------------------
318,677 318,677 95,756 95,756
================================ ================================ ============================ ============================
Expenditure on charitable activities by activity type
Grant funding Support Total funds Total fund
of activities costs 2023 2022
£ £ £ £
Charitable grants 317,250 108 317,358 94,436
Governance costs 1,319 1,319 1,320
-------------------------------- ----------------------- -------------------------------- ----------------------------
317,250 1,427 318,677 95,756
================================ ======================= ================================ ============================

8. Expenditure on charitable activities by activity type

9. Analysis of support costs

Analysis of
support costs Total 2023 Total 2022
£ £ £
General office 108 108 151
Governance costs 1,319 1,319 1,320
----------------------- ----------------------- -----------------------
1,427 1,427 1,471
======================= ======================= =======================
Analysis of grants
2023 2022
£ £
Grants to institutions
Broom Foundation 20,000 15,000
Chabad Lubavitch 3,750 1,685
Chasdei Sholom Trust 10,000
Dover Sholom Community 100,000
Kol Yom Trust 10,000
Moreshet Hatorah 100,000
N W London Welfare 50,000
The Gertner Charitable Trust 67,600
The Simmonds Foundation 25,000
Yeshivas Beis Dovid 8,500
-------------------------------- ----------------------------
317,250 94,285
-------------------------------- ----------------------------
Total grants 317,250 94,285
================================ ============================

10. Analysis of grants

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

11. Independent examination fees

Independent examination fees
2023 2022
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,320 1,320
======================= =======================

12. Staff costs

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

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

13. Trustee remuneration and expenses

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

14. Investments

Investment Other
properties investments Total
£ £ £
Cost or valuation
At 1 January 2023 291,369 227,501 518,870
Additions 19,602 19,602
Fair value movements (7,830) (7,830)
-------------------------------- -------------------------------- --------------------------------
At 31 December 2023 310,971 219,671 530,642
================================ ================================ ================================
Impairment
At 1 January 2023 and 31 December 2023
================================ ================================
Carrying amount
At 31 December 2023 310,971 219,671 530,642
================================ ================================ ================================
At 31 December 2022 291,369 227,501 518,870
================================ ================================ ================================

All investments shown above are held at valuation.

Investment properties

Investments in UK investment property comprise an investment made in one property syndicate in the UK. The percentage holding in this syndicate is 10%.

The trustees exert no significant influence over the investment syndicate.

Valuation of UK investment property is fair value in the opinion of the trustees.

Other investments

Other investments represent an investment fund in which the charity has invested. The fair value of the fund at the year-end as valued by Concerva Limited was £219,671.

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

15. Debtors

2023 2022
£ £
Other debtors 195,200
================================ ==============
16. Creditors: amounts falling due within one year
2023 2022
£ £
Accruals and deferred income 2,640 2,640
======================= =======================
17. Analysis of charitable funds
Unrestricted funds
At 01 Gains and At 31
Jan 2023 Income Expenditure losses Dec 2023
£ £ £ £ £
General funds 1,473,972 28,403 (320,005) 1,182,370
Revaluation reserve (22,499) (7,830) (30,329)
----------------------------------------- ---------------------------- -------------------------------- ----------------------- -----------------------------------------
1,451,473 28,403 (320,005) (7,830) 1,152,041
========================================= ============================ ================================ ======================= =========================================
At 01 Gains and At 31
Jan 2022 Income Expenditure losses Dec 2022
£ £ £ £ £
General funds 1,541,891 29,712 (97,631) 1,473,972
Revaluation reserve (1,781) (20,718) (22,499)
----------------------------------------- ---------------------------- ---------------------------- ---------------------------- -----------------------------------------
1,540,110 29,712 (97,631) (20,718) 1,451,473
========================================= ============================ ============================ ============================ =========================================
Restricted funds
At 01 Gains and At 31
Jan 2023 Income Expenditure losses Dec 2023
£ £ £ £ £
Restricted fund - grants
receivable 19,700 19,700
============== ============================ ============== ============== ============================
At 01 Gains and At 31
Jan 2022 Income Expenditure losses Dec 2022
£ £ £ £ £
Restricted fund - grants
receivable
============== ============== ============== ============== ==============

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Reb Moishe Foundation

Notes to the Financial Statements (continued)

Year ended 31 December 2023

18. Analysis of net assets between funds

Unrestricted Total Funds
Funds 2023
£ £
Investments 530,642 530,642
Current assets 643,739 643,739
Creditors less than 1 year (2,640)
(2,640)
----------------------------------------- -----------------------------------------
Net assets 1,171,741 1,171,741
========================================= =========================================
Unrestricted Total Funds
Funds 2022
£ £
Investments 518,870 518,870
Current assets 935,243 935,243
Creditors less than 1 year (2,640)
(2,640)
----------------------------------------- -----------------------------------------
Net assets 1,451,473 1,451,473
========================================= =========================================

19. Taxation

Reb Moishe Foundation is a registered charity and therefore is not liable to income tax on income derived from its charitable activities, as it falls within the various exemptions available to registered charities.

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