REGISTERED CHARITY NUMBER: 1110910
Report of the Trustees and Unaudited Financial Statements for the Year Ended 31 July 2022
for
Madina Mosque Cardiff
M Raza & Co. Chartered Certified Accountants 166 Whitchurch Road Cardiff CF14 3NA
Madina Mosque Cardiff
Contents of the Financial Statements for the Year Ended 31 July 2022
| Page | |||
|---|---|---|---|
| Report of the Trustees | 1 | to | 3 |
| Independent Examiner's Report | 4 | ||
| Statement of Financial Activities | 5 | ||
| Balance Sheet | 6 | ||
| Notes to the Financial Statements | 7 | to | 11 |
| Detailed Statement of Financial Activities | 12 | to | 13 |
Madina Mosque Cardiff
Report of the Trustees for the Year Ended 31 July 2022
The trustees present their report with the financial statements of the charity for the year ended 31 July 2022. The trustees have adopted the provisions of Accounting and Reporting by Charities: 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) (effective 1 January 2019).
OBJECTIVES AND ACTIVITIES
Objectives and aims
-
To advance the religion of Islam for the benefit of mankind.
-
To preserve and protect health and poverty amongst the people in wales without the distinction of race or religion.
-
To promote the elimination of discrimination on the grounds of race religion disability or ethnic origin.
Significant activities
As we sailed through the post COVID-19 pandemic period, Madina Mosque has continued in its mission, working to achieve its objectives through a variety of activities aiming at satisfying the needs of its various stakeholders. These have been carried out from its temporary building until construction of a new centre is completed.
A natural result of the pandemic has seen a cautious attitude to get public places such as ours to bring back its regular attendees back to the mosque. However, Madina Mosque once again commenced, regular activities such as congregational prayers, lectures and educational activities.
We have continued to offer some of our services through online platforms in order to reach those who are unable to visit the mosque physically.
We are pleased that the funeral service provided by the mosque is going well and providing an essential service to the community.
Page 1
Madina Mosque Cardiff
Report of the Trustees for the Year Ended 31 July 2022
FINANCIAL REVIEW
The Charity's reserve policy is to keep sufficient reserves to cover six months of unrestricted charitable expenses.
In case of a shortfall the Trustees have given the undertaking to meet the day to day expenses.
Fundraising is through public and members donations.
Key objectives of the Charity
Charity's key objectives are to provide a place for worship and teaching facilities to the public, which were met during the year.
Investment policy and objectives
The Management Committee has power to borrow money and to make investments in a transparent manner to achieve and enhance the charitable objectives of the Charity and managing the financial affairs of the Charity.
PLANS FOR THE FUTURE
-
Review articles policies and procedures to deliver strong governance structure.
-
Establish a robust induction process and create a training program for trustees.
-
Carry out review of education for children and adults.
-
Establish a youth forum to build relationships between younger people and the mosque.
-
Enhance support for new muslims.
-
Develop support for elderly.
-
Develop further way to work with wider society.
-
Create a series of assets that challenge misconceptions about Islam.
-
Continue with planning of the new mosque build project.
STRUCTURE, GOVERNANCE AND MANAGEMENT
Governing document
The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.
Constitution and rules adopted 17 November 2004 as amended 31 July 2005
REFERENCE AND ADMINISTRATIVE DETAILS
Registered Charity number
1110910
Principal address
Lucas Street Cardiff CF24 4NZ
Page 2
Madina Mosque Cardiff
Report of the Trustees for the Year Ended 31 July 2022
Trustees
The trustees who served during the year were as follows:-
| Javed Iqbal | Chair | Appointed Chair 6 September 2019 |
|---|---|---|
| Appointed 31 January 2016 | ||
| Qasam Shad | Secretary | Appointed 1 June 2021 |
| Mohammad Ilyas | Treasurer | Appointed 25 July 2015 |
| Irfan Ul Haque | Trustee | Appointed 25 January 2016 |
| Muhammed Imran Latif | Trustee | Appointed 1 May 2018 |
| Shahid Saleem | Trustee | Appointed 25 January 2016 |
| Khalid Javaid | Trustee | Appointed 1 August 2017 |
| Farooq Khalid | Trustee | Appointed 25 January 2016 |
| Mohammed Afzal | Trustee | Appointed 25 July 2015 |
| Mohammed Humayun Naseer | Secretary | Resigned 1 June 2021 |
Independent Examiner M Raza & Co. Chartered Certified Accountants 166 Whitchurch Road Cardiff CF14 3NA
Approved by order of the board of trustees on 27 April 2023 and signed on its behalf by:
Javaid Iqbal chipyjav@hotmail.com (May 22, 2023, 11:55am)
Javed Iqbal - Trustee
Page 3
Independent Examiner's Report to the Trustees of Madina Mosque Cardiff
Independent examiner's report to the trustees of Madina Mosque Cardiff
I report to the charity trustees on my examination of the accounts of Madina Mosque Cardiff (the Trust) for the year ended 31 July 2022.
Responsibilities and basis of report
As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act').
I report in respect of my examination of the Trust's accounts carried out under Section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under Section 145(5)(b) of the Act.
Independent examiner's statement
Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a member of the Association of Chartered Certified Accountants, which is one of the listed bodies.
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:
-
accounting records were not kept in respect of the Trust as required by Section 130 of the Act; or
-
the accounts do not accord with those records; or
-
the accounts 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.
Faraz Raza (May 22, 2023, 11:36am)
Faraz Raza
M Raza & Co. Chartered Certified Accountants 166 Whitchurch Road Cardiff CF14 3NA
28 April 2023
Page 4
Madina Mosque Cardiff
Statement of Financial Activities for the Year Ended 31 July 2022
| Notes INCOME FROM Donations 2 EXPENDITURE ON Raising funds 3 NET INCOME Transfers between funds 10 Net movement in funds RECONCILIATION OF FUNDS Total funds brought forward TOTAL FUNDS CARRIED FORWARD |
Unrestricted funds £ 430,561 288,197 142,364 93,423 235,787 806,775 1,042,562 |
Restricted fund £ 6,382 6,382 - (93,423) (93,423) 1,162,296 1,068,873 |
31.7.22 Total funds £ 436,943 294,579 142,364 - 142,364 1,969,071 2,111,435 |
31.7.21 Total funds £ 413,532 262,105 151,427 - 151,427 1,817,644 1,969,071 |
|---|---|---|---|---|
The notes form part of these financial statements
Page 5
Madina Mosque Cardiff
Balance Sheet 31 July 2022
| Notes FIXED ASSETS Tangible assets 7 CURRENT ASSETS Debtors 8 Cash at bank and in hand CREDITORS Amounts falling due within one year 9 NET CURRENT ASSETS TOTAL ASSETS LESS CURRENT LIABILITIES NET ASSETS FUNDS 10 Unrestricted funds Restricted funds TOTAL FUNDS |
Unrestricted funds £ 219,431 641 823,687 824,328 (1,197) 823,131 1,042,562 1,042,562 |
Restricted fund £ 1,068,873 - - - - - 1,068,873 1,068,873 |
31.7.22 Total funds £ 1,288,304 641 823,687 824,328 (1,197) 823,131 2,111,435 2,111,435 1,042,562 1,068,873 2,111,435 |
31.7.21 Total funds £ 1,281,975 641 688,741 689,382 (2,286) 687,096 1,969,071 1,969,071 806,775 1,162,296 1,969,071 |
|---|---|---|---|---|
The financial statements were approved by the Board of Trustees and authorised for issue on 27 April 2023 and were signed on its behalf by:
Javaid Iqbal chipyjav@hotmail.com (May 22, 2023, 11:55am)
Javed Iqbal - Trustee
Mohammed Ilyas (May 22, 2023, 12:03pm) Mohammed Ilyas - Trustee
Qasam Shad (May 24, 2023, 1:20pm) Qasam Shad - Trustee
The notes form part of these financial statements
Page 6
Madina Mosque Cardiff
Notes to the Financial Statements for the Year Ended 31 July 2022
1. ACCOUNTING POLICIES
Basis of preparing the financial statements
The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: 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) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention.
Income
All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.
Expenditure
Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.
Taxation
The charity is exempt from tax on its charitable activities.
2. DONATIONS
3.
| Charity appeals General donations Jummah collections Penny boxes Tuition fees Gift aid Funeral services Eid collections Funeral donations Website advertisement CAF donations Taraveeh collections Casket sales RAISING FUNDS Raising donations and legacies Expenses |
31.7.22 £ 6,383 33,657 52,938 7,808 - - 290,521 5,438 1,830 540 36,261 1,172 395 436,943 31.7.22 £ 294,579 |
31.7.21 £ 7,633 84,092 - 8,891 60 1,127 289,144 - 2,345 540 19,700 - - 413,532 31.7.21 £ 262,105 |
|---|---|---|
continued...
Page 7
Madina Mosque Cardiff
Notes to the Financial Statements - continued
for the Year Ended 31 July 2022
4. SUPPORT COSTS
| SUPPORT COSTS | |||||
|---|---|---|---|---|---|
| Unrestricted | Funeral | Restricted | |||
| expenditure | Depreciation | expenditure | expenditure | Totals | |
| £ | £ | £ | £ | £ | |
| Raising donations and legacies | 47,175 | 2,970 | 238,052 | 6,382 | 294,579 |
5. TRUSTEES' REMUNERATION AND BENEFITS
There were no trustees' remuneration or other benefits for the year ended 31 July 2022 nor for the year ended 31 July 2021.
Trustees' expenses
There were no trustees' expenses paid for the year ended 31 July 2022 nor for the year ended 31 July 2021.
6. STAFF COSTS
| STAFF COSTS | |
|---|---|
| Wages and salaries Other pension costs |
31.7.22 31.7.21 £ £ 35,039 21,143 384 325 |
| 35,423 21,468 |
|
| The average monthly number of employees during the year was as follows: Employed staff |
31.7.22 31.7.21 6 10 |
No employees received emoluments in excess of £60,000.
7. TANGIBLE FIXED ASSETS
| COST At 1 August 2021 Additions At 31 July 2022 DEPRECIATION At 1 August 2021 Charge for year At 31 July 2022 NET BOOK VALUE At 31 July 2022 At 31 July 2021 |
Freehold land £ 10,000 - 10,000 - - - 10,000 10,000 |
Temporary building £ 200,504 - 200,504 - - - 200,504 200,504 |
Residential property £ 175,000 - 175,000 - - - 175,000 175,000 |
Assets under construction £ 883,873 1,800 885,673 - - - 885,673 883,873 |
|---|---|---|---|---|
continued...
Page 8
Madina Mosque Cardiff
Notes to the Financial Statements - continued for the Year Ended 31 July 2022
7. TANGIBLE FIXED ASSETS - continued
| Fixtures Plant and and machinery fittings £ £ COST At 1 August 2021 6,221 4,077 Additions - - At 31 July 2022 6,221 4,077 DEPRECIATION At 1 August 2021 3,036 1,989 Charge for year 637 418 At 31 July 2022 3,673 2,407 NET BOOK VALUE At 31 July 2022 2,548 1,670 At 31 July 2021 3,185 2,088 8. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR Other debtors 9. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR Trade creditors Taxation and social security 10. MOVEMENT IN FUNDS At 1.8.21 £ Unrestricted funds Unrestricted Funds 806,775 Restricted funds Restricted funds 1,162,296 TOTAL FUNDS 1,969,071 |
Motor vehicles £ 14,850 7,500 22,350 8,585 1,566 10,151 12,199 6,265 Net movement in funds £ 142,364 - 142,364 |
Computer equipment £ 3,525 - 3,525 2,465 350 2,815 710 1,060 31.7.22 £ 641 31.7.22 £ (1) 1,198 1,197 Transfers between funds £ 93,423 (93,423) - |
Totals £ 1,298,050 9,300 1,307,350 16,075 2,971 19,046 1,288,304 1,281,975 31.7.21 £ 641 31.7.21 £ - 2,286 2,286 At 31.7.22 £ 1,042,562 1,068,873 2,111,435 |
|---|---|---|---|
continued...
Page 9
Madina Mosque Cardiff
Notes to the Financial Statements - continued for the Year Ended 31 July 2022
10. MOVEMENT IN FUNDS - continued
Net movement in funds, included in the above are as follows:
| Incoming resources £ Unrestricted funds Unrestricted Funds 430,561 Restricted funds Restricted funds 6,382 TOTAL FUNDS 436,943 Comparatives for movement in funds Net movement At 1.8.20 in funds £ £ Unrestricted funds Unrestricted Funds 653,348 151,427 Restricted funds Restricted funds 1,164,296 - TOTAL FUNDS 1,817,644 151,427 Comparative net movement in funds, included in the above are as follows: Incoming resources £ Unrestricted funds Unrestricted Funds 405,899 Restricted funds Restricted funds 7,633 TOTAL FUNDS 413,532 A current year 12 months and prior year 12 months combined position is as follows: Net movement At 1.8.20 in funds £ £ Unrestricted funds Unrestricted Funds 653,348 293,791 Restricted funds Restricted funds 1,164,296 - TOTAL FUNDS 1,817,644 293,791 |
Resources expended £ (288,197) (6,382) (294,579) Transfers between funds £ 2,000 (2,000) - Resources expended £ (254,472) (7,633) (262,105) Transfers between funds £ 95,423 (95,423) - |
Movement in funds £ 142,364 - 142,364 At 31.7.21 £ 806,775 1,162,296 1,969,071 Movement in funds £ 151,427 - 151,427 At 31.7.22 £ 1,042,562 1,068,873 2,111,435 |
|---|---|---|
continued...
Page 10
Madina Mosque Cardiff
Notes to the Financial Statements - continued for the Year Ended 31 July 2022
10. MOVEMENT IN FUNDS - continued
A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:
| Unrestricted funds Unrestricted Funds Restricted funds Restricted funds TOTAL FUNDS |
Incoming Resources Movement resources expended in funds £ £ £ 836,460 (542,669) 293,791 14,015 (14,015) - 850,475 (556,684) 293,791 |
|---|---|
11. RELATED PARTY DISCLOSURES
There were no related party transactions for the year ended 31 July 2022.
Page 11
Madina Mosque Cardiff
| INCOME Donations Charity appeals General donations Jummah collections Penny boxes Tuition fees Gift aid Funeral services Eid collections Funeral donations Website advertisement CAF donations Taraveeh collections Casket sales Total incoming resources EXPENDITURE Expenses Unrestricted expenditure Wages Pensions Repairs & maintenance Rates and water Insurance Light and heat Telephone and broadband Gift aid fees Computer costs Legal and professional fees Education Bank charges Teacher fees Depreciation Plant and machinery Fixtures and fittings Motor vehicles Computer equipment Funeral expenditure Cemetery fees Coffin fees Motor expenses Sub contractors Carried forward |
Detailed Statement of Financial Activities for the Year Ended 31 July 2022 31.7.22 31.7.21 £ £ 6,383 7,633 33,657 84,092 52,938 - 7,808 8,891 - 60 - 1,127 290,521 289,144 5,438 - 1,830 2,345 540 540 36,261 19,700 1,172 - 395 - 436,943 413,532 436,943 413,532 35,039 21,143 384 325 78 158 187 458 1,630 2,728 1,242 930 706 428 - 1,072 - 143 - 304 95 - 420 - 7,394 1,707 47,175 29,396 637 796 417 522 1,566 2,088 350 522 2,970 3,928 191,498 204,079 17,205 15,438 1,910 1,631 25,114 - 235,727 221,148 |
|---|---|
This page does not form part of the statutory financial statements
Page 12
Madina Mosque Cardiff
| Funeral expenditure Brought forward Hire of carriage Restricted expenditure Charity appeals Total resources expended Net income |
Detailed Statement of Financial Activities for the Year Ended 31 July 2022 31.7.22 31.7.21 £ £ 235,727 221,148 2,325 - 238,052 221,148 6,382 7,633 294,579 262,105 142,364 151,427 |
|---|---|
This page does not form part of the statutory financial statements
Page 13
Issuer
M Raza & Co
Document generated Mon, 22nd May 2023 11:33:31 BST
Document fingerprint 5633f609a5cdfaf760708a9598318d6b
Parties involved with this document
Document processed
Party + Fingerprint
Mon, 22nd May 2023 11:36:15 BST Mon, 22nd May 2023 11:55:00 BST
Mon, 22nd May 2023 12:03:22 BST Wed, 24th May 2023 13:20:24 BST
Faraz Raza - Signer (ae8abb2e8cc0d1fefb25201d7432acd5) Javaid Iqbal chipyjav@hotmail.com - Signer (cb75996bbaf4ec470edea514117b8844) Mohammed Ilyas - Signer (4d20d7791163bf2cc53c5c7f6412a504) Qasam Shad - Signer (46277c3c36e04f31529792889225879b)
Audit history log
Date
Action
Wed, 24th May 2023 13:20:28 BST Wed, 24th May 2023 13:20:24 BST Wed, 24th May 2023 13:20:24 BST Wed, 24th May 2023 13:18:58 BST Wed, 24th May 2023 13:18:54 BST Wed, 24th May 2023 13:18:46 BST Wed, 24th May 2023 11:33:05 BST Wed, 24th May 2023 11:33:01 BST Wed, 24th May 2023 11:33:01 BST Tue, 23rd May 2023 11:33:12 BST Tue, 23rd May 2023 11:33:02 BST Tue, 23rd May 2023 11:33:02 BST Mon, 22nd May 2023 17:09:42 BST Mon, 22nd May 2023 13:51:14 BST Mon, 22nd May 2023 13:28:53 BST Mon, 22nd May 2023 12:04:19 BST Mon, 22nd May 2023 12:04:18 BST
Qasam Shad viewed the envelope. (81.77.136.69) The envelope has been signed by all parties. (81.77.136.69) Qasam Shad signed the envelope. (81.77.136.69) Qasam Shad opened the document email. (66.249.93.200) Qasam Shad viewed the envelope. (81.77.136.69) Qasam Shad opened the document email. (66.249.93.204) Document emailed to party email (13.40.30.202) Sent Qasam Shad a reminder to sign the envelope. (3.8.173.210) The active signer will be automatically reminded. (3.8.173.210) Document emailed to party email (3.9.18.86) Sent Qasam Shad a reminder to sign the envelope. (3.8.173.210) The active signer will be automatically reminded. (3.8.173.210) Faraz Raza opened the document email. (172.224.227.17) Faraz Raza opened the document email. (146.75.174.12) Qasam Shad opened the document email. (66.249.93.212) Mohammed Ilyas viewed the envelope. (86.6.218.143) Mohammed Ilyas viewed the envelope. (86.6.218.143)
Mon, 22nd May 2023 12:04:15 BST Mon, 22nd May 2023 12:04:00 BST Mon, 22nd May 2023 12:03:55 BST Mon, 22nd May 2023 12:03:52 BST Mon, 22nd May 2023 12:03:33 BST Mon, 22nd May 2023 12:03:30 BST Mon, 22nd May 2023 12:03:25 BST Mon, 22nd May 2023 12:03:24 BST Mon, 22nd May 2023 12:03:22 BST Mon, 22nd May 2023 12:03:22 BST Mon, 22nd May 2023 12:01:59 BST Mon, 22nd May 2023 11:56:45 BST Mon, 22nd May 2023 11:56:42 BST Mon, 22nd May 2023 11:56:39 BST Mon, 22nd May 2023 11:55:10 BST Mon, 22nd May 2023 11:55:03 BST
Mon, 22nd May 2023 11:55:02 BST Mon, 22nd May 2023 11:55:00 BST Mon, 22nd May 2023 11:55:00 BST
Mohammed Ilyas viewed the envelope. (86.6.218.143) Mohammed Ilyas viewed the envelope. (86.6.218.143) Mohammed Ilyas viewed the envelope. (86.6.218.143) Mohammed Ilyas viewed the envelope. (86.6.218.143) Mohammed Ilyas viewed the envelope. (86.6.218.143) Qasam Shad opened the document email. (66.249.90.11) Mohammed Ilyas viewed the envelope. (86.6.218.143) Document emailed to party email (13.40.191.237) Sent the envelope to Qasam Shad for signing. (86.6.218.143) Mohammed Ilyas signed the envelope. (86.6.218.143) Mohammed Ilyas viewed the envelope. (86.6.218.143) Mohammed Ilyas opened the document email. (66.249.93.214) Mohammed Ilyas opened the document email. (66.249.93.214) Mohammed Ilyas opened the document email. (66.249.93.216) Mohammed Ilyas opened the document email. (66.249.92.138) Javaid Iqbal chipyjav@hotmail.com viewed the envelope. (148.252.129.73)
Document emailed to party email (13.42.47.190) Sent the envelope to Mohammed Ilyas for signing. (148.252.129.73) Javaid Iqbal chipyjav@hotmail.com signed the envelope.
(148.252.129.73)
Mon, 22nd May 2023 11:52:57 BST Mon, 22nd May 2023 11:52:25 BST
Mon, 22nd May 2023 11:36:18 BST Mon, 22nd May 2023 11:36:17 BST Mon, 22nd May 2023 11:36:15 BST
Mon, 22nd May 2023 11:36:15 BST Mon, 22nd May 2023 11:35:55 BST Mon, 22nd May 2023 11:35:55 BST Mon, 22nd May 2023 11:34:51 BST Mon, 22nd May 2023 11:34:49 BST Mon, 22nd May 2023 11:34:03 BST
Mon, 22nd May 2023 11:34:00 BST Mon, 22nd May 2023 11:34:00 BST Mon, 22nd May 2023 11:34:00 BST
Javaid Iqbal chipyjav@hotmail.com viewed the envelope. (148.252.129.73)
Javaid Iqbal chipyjav@hotmail.com opened the document email. (104.28.130.159) Faraz Raza viewed the envelope. (88.105.239.232) Document emailed to party email (35.177.190.202) Sent the envelope to Javaid Iqbal chipyjav@hotmail.com for signing. (88.105.239.232)
Faraz Raza signed the envelope. (88.105.239.232) Faraz Raza viewed the envelope. (88.105.239.232) Faraz Raza viewed the envelope. (88.105.239.232) Document emailed to party email (18.132.119.216) Sent the envelope to Faraz Raza for signing. (88.105.239.232) Automatic reminders for this envelope have been set to occur every 1 days (88.105.239.232)
Qasam Shad has been assigned to this envelope (88.105.239.232) Mohammed Ilyas has been assigned to this envelope (88.105.239.232) Javaid Iqbal chipyjav@hotmail.com has been assigned to this envelope (88.105.239.232)
Mon, 22nd May 2023 11:34:00 BST Faraz Raza has been assigned to this envelope (88.105.239.232) Mon, 22nd May 2023 11:33:36 BST Document generated with fingerprint 5633f609a5cdfaf760708a9598318d6b (88.105.239.232) Mon, 22nd May 2023 11:33:31 BST Envelope generated by M Raza & Co (88.105.239.232)