Company No. 5100582
Charity No. 1107386
SMETHWICK PAKISTANI MUSLIMS
ASSOCIATION LTD
REPORT AND FINANCIAL STATEMENTS
31st MARCH 2025

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
CONTENTS
PAGE
COMPANY INFORMATION
TRUSTEES REPORT
TRUSTEES STATEMENT
TRUSTEES RESPONSIBILITIES
ACCOUNTANTS REPORT
STATEMENT OF FINANCIAL ACTIVITIES
PROFIT & LOSS ACCOUNT
BALANCE SHEET
ACCOUNTING POLICIES
10
NOTES TO THE ACCOUNTS
11-12

SMEfHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
COMPANY INFORMATION
COMPANY NO:
5100582
CHARITY NO.
1107386
REGISTERED OFFICE:
Victoria Centre
Suffrage Street
Smethwick
West Midlands
B66 3PZ
TRUSTEES & DIRECTORS.
Mr Abid Hussain
Chair Person
Mr Amjad Ali
Mr Saghir Ahmad
Mr Ishtiaq Hussain
Mr Mohammed Rouf
Mr Ashfaq Ahmed
Trustee
Treasurer
Secretary
Trustee
Trustee
Mr Zahoor Ahmed
Mrs Samiya Akhter
Trustee
Trustee
SECRETARY:
Mr Ishtiaq Hussain
General Secretary
ACCOUNTANT:
Shabir Nawab & Co Accountants
11 Portland Road
Edgbaston
Birmingham
B16 9HN
BANKERS:
Barclays Bank
Soho Road Branch
351-359 Soho Road
West Midlands
B219SE

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
TRUSTEES REPORT
The directors of the charitable cornpany ('the charity'),who are also its trustees, submit their report and the
financial statements of Smethwick Pakistani Muslims Association Limited (SPMA) for the year ended 31 st
March 2025. Throughout this report the directors of the charitable company are referred to as the trustees.
NAME AND NATURE OF CHARITY
The full name of the charity is Smethwick Pakistani Muslims Association Limited, It is a company limited
by guarantee, and is a registered charity governed by its Memorandum and Articles of Association.
The company was formed on 13th April 2004 and was registered with the Charity Commission of England
and Wales.
CHARITY TRUSTEES
The following trustees have held office during the period:
Zahoor Ahmed
Amjad Ali
Ishtiaq Hussain
Samiya Akhter
Saghir Ahmad
Ashfaq Ahmed
Abid Hussain
Mohammed Rouf
OBJECTIVES AND ACTIVITIES
The main aims and objectives of SPMA are as follows:
To develop a community based organisation that serves the needs and aspirations of the Pakistani
population and the wider community in Sandwell.
Establishing an education and training programme.
Providing advice and information.
Providing a point of reference and access for other groups within Sandwell.
The SPMA provides services and activities to the community in the following areas:
Education and Training
Social Welfare
Debt Management & Support
Energy Advice
Health Development
' Youth Development
Promoting well being in the local community,we want people to find help in times of crisis,we also want to
support people recovering from problems to work out and implement their own ideas for a better life.
Improving the quality of life and well being are not merely about enduring and coping'they involve taking
control and enjoying life to the full.This means valuing individuals experience and talents whatever their
current circumstances.we want a centre that stimulates active participation.our visitors will give support
as well as receive it through self-help groups and mutual volunteering schemes.
We want people to be able to seek help in a place that is familiar and unintimidating and does not set
seekers apart from the rest of the community.

THWICK PAKIST ANI MUSLIMS ASSOCIATION LTD
STEES STATEMENT
t and foremost the trustees would like to thank the staff and volunteers for their hard work and
nmitment over the past very difficult year. We greatly appreciate the invaluable contribution they have made to our
behalf of the Charity we would like to express our thanks to all the donors, both individuals and companies.
eir kind contributions are appreciated and their continued support is valued by the Charity.
EVIEW OF DEVELOPMENTS
has been a very challenging year due to the post pandemic effect and increase in cost of living,but despite this with
reful risk and service management, SPMA Ltd has had a productive year under very difficult circumstances.
anagement Committee members meet regularly to review the performance of the organisations staff and the
rojects that they are running as well as ensuring that the organisation is continuing to be run on a financially
secure basis.ln this financial year,SPMA has continued to work towards securing funding for the core costs of
the organisation as well as funds for the main activities and services the organisation provides.
Further refurbishment has been carried out at Victoria Centre,with some Kvorks still pending.This will enable the
centre,to be fully operational offering the following facilities:
Providing multi-interest access.
Study support classes for young people.
Activities for men and women.
Sporting activities for all age groups.
Centre hire for various functions and business seminars.
Healthy Cooking & Healthy Life Style classes.
The vision for Victoria Centre is to transform it into a vibrant community hub which will cater for all members of the
community and also to hire the centre out for various functions,thus resulting in an additional income stream
enabling SPMA to be self sustaining and to further increase its activities and guidance which includes:
Welfare Rights.
Debt Management Service
Energy Support l Advice
Housing.
Benefits.
Support and Advocacy.
Translations Service.
During 202412025 SPMA Ltd has officially supported 16,952 clients and total income generated through Advice Service
was £3,991,759.
SPMA Ltd are Authorised and Regulated by the Financial Conduct Authority (FCA)
as a consumer credit Firm (629701) , providing a Debt Advice & Management Service to our clients.
This financial year the total number of debt cases was 1,875 with a total debt value of £7,353,698.Through SPMA Ltd
intervention and advice]support the total value of debt reduced or written off was £3,719,186. (510/0).
Although SPMA have exceeded all targets set by the SLA and have made a huge difference to people's
incomes,we are acutely aware that in times of financial hardship and local authority cutbacks,it is very often
the voluntary sector which feels the effects.As such SPMA will seek funding from a range of sources including
Specialist funding,Trusts and Government sources as well as Contracts with service providers to continue to
deliver and improve all aspects of the organisations work.

ETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
USTEES STATEMENT
ISK MANAGEMENT
ccounting functions are carried out by the Trustees and staff. The Trustees have reviewed the areas of
otential risk for the Charity and concluded that there are sufficient controls in place to protect all the
urrent fund-making activities. The Trustees will review this issue on an annual basis and, where appropriate
ake advice from the accountants. The Trustees meet the accountants each year to discuss their report on
nternal financial controls and their recommendations arising from the preparation of accounts. Their
ecommendations are adopted.
SPMA will give due consideration to issues such as local culture, traditions and the political situation.
They will also consider the advice,information and views from local groups which will play an important
part in deciding what projects and purposes will most effectively benefit a community and fulfil the Charity's
purposes.
RESERVES
The Trustees consider it prudent that unrestricted funds should be sufficient for the Charity's use. The
Trustees have decided that there is a need to maintain unrestricted funds for the following reasons:
(a) To provide funds which can be designated to specific projects to enable these projects to be undertaken
at short notice and
(b) To cover administration and support costs without which the Charity could not function.
The Board of Trustees are satisfied that the Charity is in a position to meet all its commitments out of
income and that its reserves are sufficient for its purposes.
RESULTS
The results for the year are set out in the attached accounts. Incoming resources amounted to £137,165
and resources expended amounted to £136,866 generating a profit of £299 (2024:£447)
ACCOUNTANTS
A resolution to re-appoint Shabir Nawab & Co, as accountants will be put to the members at their 2025
meeting.
By Order of the Board of Trustees
Mr Abid Hu
Chairman
saln
Mr Saghir A
Treasurer
ad

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
TRUSTEE'S RESPONSIBILITIES IN THE PREPARATION OF FINANCIAL STATEMENTS
Company law requires the trustees to prepare financial statements for each financial year, which give a true
and fair view of the state of affairs of the company and of the surplus or deficit of the company for that period.
In preparing those financial statements, the trustees are required to:
(a) select suitable accounting policies and then apply them consistently.
(b) make Judgements and estimates that are reasonable and prudent"
(c) prepare the financial statements on the going concern basis unless it is inappropriate to presume that
the company will continue in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy
at any time the financial position of the company and to enable them to ensure that the financial statements
comply wilh the requirements of the Companies Act 2006, They are also responsible for safeguarding the
assets of the company and hence for taking reasonable steps for the prevention and detection of fraud and
other irregularities.

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
ACCOUNTANTS REPORT ON THE UNAUDITED ACCOUNTS TO THE MEMBERS OF SMETHWICK
PAKISTANI MUSLIMS ASSOCIATION LTD
As described on the balance sheet you are responsible for the preparation of the accounts for the year ended
31st March 2025 set out on pages 8 to 13, and you consider that the company is exempt from an audit and
a report under Section 477 of the Companies Act 2006. In accordance with your instructions, we have
compiled these unaudited accounts in prder to assist you to fulfil your statutory responsibilities, from the
accounting records and information and explanation supplied to us.
SHABIR NAWAB & CO ACCOUNTANTS
11 Portland Road
Edgbaston
Birmingham
B16 9HN
Dated: 30th October 2025

AETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
T ATEMENT OF FINANCIAL ACTIVITIES
)r the year ended 31 March 2025 .
Unrestricted Restricted
Funds
Funds
2025
2025
Total
Funds
2025
Total
Funds
2024
NOTE
INCOMING RESOURCES
Donations receivable
Other Income:
111,884
24,921
136,805
137,672
1,325
la
Sandwell Council Grant
Membership fees
360
360
360
TOTAL INCOMING RESOURCES
112,244
24,921
137,165
139,357
RESOURCES EXPENDED
Charitable expenditure:
Management and administration
Staff costs
21,182
90,763
6,486
18,435
27,668
109,198
30,215
108,695
TOTAL RESOURCES EXPENDED
111,945
24,921
136,866
138,910
NET MOVEMENTS IN FUNDS
299
299.
447
Funds brought forward
61,774
61,774
61,327
Fund balances carried forward at 31st March 2025
62,073
62,073
61,774

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
PROFIT & LOSS ACCOUNT
for the year ended 31 March 2025
2025
2024
Income
Membership fees
136,805
360
138,997
360
Total Incorne
137,165
139,357
Total Expenditure
136,866
138,910
NET INCOMING I (OUTGOING) RESOURCES FOR THE YEAR
299
447
Total income comprises £24,921 of restrlcted fvnds and £112,244 of unrestricted funds.(2024:£139,357) A
detailed analysis of income by source is provided in the Statement of Financial Activities and notes 1-2.
Detailed analysis of expenditure is provided in the Ststement of Financial Activities and notes 34.
No separate Statement of Total Recognised Gains and Losses has been presented as all such gains and
losses have been dealt with In the Statement of Financial Activities. Net incoming resources for the period
arise from the charity's continuing operations.

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
BALANCE SHEET
as at 31 March 2025
NOTE
2025
2024
FIXED ASSETS
19,494
20,630
CURRENT ASSETS
Cash in Hand & at Bank
Debtors
58,g49
10,969
53,927
10,969
6a
89,412
85,526
CREDITORS
Amounts falling due within one year
27,339
23,752
NET ASSETS
62,073
61,774
INCOME FUNDS
Unrestricted funds - surplus
62,073
61,774
NET ASSETS
62,073
61,774
The Trustees are satisfied that the Company is entitled to exemption under Section 477 of the
Companies Act 2006 and no members have requested an audit pursuant to Section 476 of the Act.

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
BALANCE SHEET (contlnued)
as at 31 March 2025
The Trustees acknowledge their responsibilities for:
(i)
ensuring that the company keep proper accounting records which comply with Section 386 and
387 of the Companies Act 2006 and
(li)
preparing accounts which give a true and fair wew of the state of affairs of the Company as at
the end of the financial year and of its profit or loss for the financial year in accordance with the
requirements of Sections 394 and 395 and which otherwise comply with the requirements of the
Companies Act 2006 relating to financial statements,so far as applicable to the company.
The accounts have been prepared in accordance with the special provision of Part15 of the Companies Act
2006 relating to small companies.
Approved by the Board of Trustees on 30th October 2025
A. HUS
AIN
.AHM
9A

sMEfHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
ACCOUNTING POLICIES
BASIS OF ACCOUNTING
The financial statements have been prepared under the historical cost conventlon and are in accordance
with the Companies Act 2006 and follow the recommendations in Accounting and Reporting for Charities
Statement of Recommended Practice (SORP 2000) issued in October 2000.
The charity has taken advantage of the exemption in Financial Reporting Standard No1 from the requirement
to produce a cashflow statement.
INCOMING RESOURCES
All incoming resources are included in the Statement of Financial Activities when the charitable company is
legally entiued to the income and the amount can be quantified with reasonable accuracy.
Donations are recognised in full in the year in which they are receivable.
Intangible income is treated as unrestricted funds and is included at the value to the charitable company
where this can be quantified and a third party is bearing the cost.
RESOURCES EXPENDED
Resources expended are recognised in the period in which they are incurred.
Grants payable are charged in the year when paid to the recipient. All grant offers are conditional. Any
amounts not spent by the recipient and repaid to the charitable company are credited to the Statement of
Financial Activities when repaid.
Managernent and administration comprises costs for the running of the charitable company as an organisation
VALUE ADDED TAX
Value Added Tax is not recoverable by the charity, and as such all costs met directly by the charitable
company are included gross of VAT in the Statement of Financial Activities
ACCUMULATED FUNDS
The various accumulated funds represent the following:
Restricted Funds:
These are funds that can only be used for particular restricted purposes within
the objects of the charity. Restrictions arise when specified by the donor or
when funds are raised for particular restricted purposes.
These are funds which can be used in accordance with the charitable objects
at the discretion of the trustees.
All donations received by the charity to date in the financial statements have been prepared to show these
donations as being unrestricted. Investment income has also been shown as unrestricted funds.
LEGAL STATUS OF THE CHARITY
The charity is a company limited by guarantee and has no share capital. The company members are the
trustees and their liability in the event of winding up is limited to £10.
Unrestricted Funds:
10

SMETHWICK PAKISTANI MUSLIMS ASSOCIATION LTD
NOTES TO THE FINANCIAL STATEMENTS
For the year ended 31 March 2025
1 DONATIONS.
2025
2024
The details of donalions received are as follows:
RESTRICTED FUNDS: .
The Henry Smith Charity
Harborne Parish
NHS Black Country
B.B.C~ CIN
20,000
4,921
12,502
27,729
3,439
2,420
UNRESTRICTED FUNDS: .
Sandwell Consortium
S.M.B.C.
The Roger & Douglas Turner Charitable Trust
s.c.v.o.
31,060
63,293
2,000
7,731
34,089
63,293
2,000
136,805
137,672
la OTHER INCOME:.
The Good Trouble
1,325
1,325
2 MEMBERSHIP
Fees received
360
384
3 RESOURCES EXPENDED ON MANAGING AND ADMINISTERING THE CHARITY
Other administration costs
27,668
34,747
4 STAFF COSTS
The average monthly number of persons employed by the charity during the year was:
Office and Management
Staff costs for above person
Wages and salaries
Social security & Pension costs
108,499
699
107,997
698
109,198
108,695
There were no employees with emoluments above £50,000.
Trustees remuneration:
No remuneration was paid to the trustees in the period.
11

METHWICK PAKIST ANI MUSLIMS ASSOCIATION LTD
OTES TO THE FINANCIAL STATEMENTS
or the year ended 31 March 2025
FIXED ASSETS
OFFICE EQUIPMENT
COST
At 31st March 2024
Additions
2025
2024
75,164
75,164
At 31st March 2025
75,164
75,164
DEPRECIATION
At 31st March 2024
Charge for year
At 31 st March 2025
53,305
1,229
54,534
1,136
55,670
54,534
Net Book Value
At 31st March 2025131st March 2024
19,494
20,630
6 CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Accruals and deferred income
Other Taxation and Social Security
27,203
136
23,617
135
27,339
23,752
6a DEBTORS I JMA TRUST
10,969
10,969
7 FUNDS MOVEMENT
Total
Funds
2025
Balance at
01104124
Incomlng
Resources
Expenditure
Total Funds
61,774
137,165
136,866
62,073
8 ANALYSIS OF NET ASSETS BETWEEN FUNDS
Total
Funds
2025
Unrestrlcted Restrlcted
Funds
Funds
Current Assets
Liabilities due within one year
69,918
(27,339)
69,918
(27,339)
42,579
42,579
9 RELATED PARTY TRANSACTIONS
There were no related paty transactions during the year
12