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2025-05-31-accounts

CHARITY REGISTRATION NUMBER: 1114079

FG CHARITABLE TRUST Unaudited Financial Statements 31st May 2025

GRIFFITHS & PEGG LIMITED

Chartered Accountants 3 Hagley Court South Waterfront East Level Street Brierley Hill DY5 1XE

FG CHARITABLE TRUST

Financial Statements

Year ended 31st May 2025

Pages
Trustees' annual report 1 to 4
Independent examiner's report to the trustees 5
Statement of financial activities 6
Statement of financial position 7
Notes to the financial statements 8 to 14

Page 1

FG CHARITABLE TRUST

Trustees' Annual Report

Year ended 31st May 2025

The trustees present their report and the unaudited financial statements of the charity for the year ended 31st May 2025.

Reference and administrative details

Registered charity name FG CHARITABLE TRUST Charity registration number 1114079 Principal office 11A WANNERTON ROAD BLAKEDOWN KIDDERMINSTER WORCESTERSHIRE DY10 3NG The trustees Mr G Billage Mr M Billage Mr I Billage Mrs B Billage Mrs P Abrey Mr G Smith Mrs S Smith Mrs S Billage Mr A Chuter Mrs L A Chuter Independent examiner Adrian Grainger, on behalf of Griffiths & Pegg Limited 3 Hagley Court South Waterfront East Level Street Brierley Hill DY5 1XE

Page 2

FG CHARITABLE TRUST

Trustees' Annual Report (continued)

Year ended 31st May 2025

Structure, governance and management

The Trust was established by a charitable trust deed on 14 March 2006.

The trustees who served during the year and up to the date of signature of the financial statements were:

Gordon Billage Mark Billage Barbara Billage Ian Billage Pamela Abrey Grant Smith Susan Smith Shirley Billage Andrew Chuter Lesley Chuter

The trustees are appointed by a resolution of a meeting of the trustees.

The Trustees conduct the affairs of the Charity in such manner as they may consider appropriate. and may make such arrangements in relation to the administration of the Charity as they consider advisable. Decisions taken by a majority of Trustees at any duly constituted meeting are valid and binding on all trustees.

Objectives and activities

The Trust objectives are:

There has been no change in these policies or objectives during the year.

The trustees have paid due regard to guidance issued by the Charity Commission in deciding what activities the Trust should undertake.

Page 3

FG CHARITABLE TRUST

Trustees' Annual Report (continued)

Year ended 31st May 2025

Achievements and performance

Investment Performance

FG Charitable Trust generates its income through a portfolio of investments managed by a specialist firm with extensive experience in working with charities and publicly listed companies, spanning a diverse range of industries and global markets. The portfolio includes UK property holdings and impact investments in Kenya, made through two distinct funds. These investments are monitored regularly, including an annual review meeting with the Account Director of the investment firm, attended by at least two or three trustees.

Our investments in Kenya continue to face challenges due to factors such as the state of the local economy and changing patterns in the commercial property sector. Nonetheless, the overall outlook remains positive. These investments are structured for mid- to long-term returns, and we maintain ongoing engagement with our investment partners to assess performance. Importantly, the social impact objectives underpinning these investments have been successfully achieved.

The Trust continues to have an interest in one property in the UK, by way of a term loan being repaid monthly over a period of years. Income from the Trust's full investment portfolio is distributed to selected charitable projects on a twice-yearly basis.

Project Support

During the year, trustees made multiple visits to supported projects to assess progress, engage with people involved in the projects, and better understand how grants are being utilised. Notably, some trustees visited India on two occasions, meeting with several regularly supported initiatives. Reports from these visits were presented at the Trustees' April meeting.

Disbursements remained focused on supporting organisations that work with children and young people, as well as those assisting the poor and vulnerable. There was a notable rise in support for Church and Community projects, reflecting the Trust's growing engagement with faith-based initiatives and individuals involved with UK churches.

Geographic Distribution of Funds

Geographic Distribution of Funds
2024/25 2023/24
Overseas Projects 70.5% 74.7%
• Africa 25.7% 25.8%
• Asia 30.6% 35.5%
• Middle East 9.8% 8.7%
• Europe (Exc. UK) 4.4% 4.0%
• South America 0.0% 0.7%
• Rest of World 0.0% 0.0%
UK Projects 26.9% 23.2%
Overheads 2.6% 2.1%
Allocation by Area of Need
2024/25 2023/24
• Children, Young People, Schools & Colleges 37.5% 33.4%
• Poor, needy, vulnerable & abused 20.6% 22.2%
• Hospitals & Disaster Relief 6.6% 13.3%
• Church & Community Projects 23.4% 19.8%
• Literature Distribution 9.3% 9.2%
• Admin & Overheads 2.6% 2.1%

Administrative costs remain stable, with travel being the primary expense due to the number of project visits undertaken.

As trustees, we remain committed to supporting smaller, grassroots charities where our contributions

Page 4

FG CHARITABLE TRUST

Trustees’ Annual Report (continueg

Year ended 31st May 2025

can have a more tangible impact, rather than larger organisations with broader funding bases.

Financial review

As in the previous year, the trust continued its support worldwide making a number of charitable donations to countries in many parts of the world.

The financial objectives of the charity are largely dependant on world markets, and the effectiveness with which funds in the investment portfolio are managed. As noted above, this risk is mitigated by wider spread investment in lower risk investments.

The treasurer will maintain a positive bank balance at all times from which allocations will be made. Regular income from investments is received on monthly, quarterly and 6 monthly basis and the trustees will ensure that distributions will always be confined to that available from current funds in hand.

Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of receipt.

The trustees have assessed the major risks to which the Trust is exposed, and are satisfied that systems are in place to mitigate exposure to the major risks.

Given the uncertain state of the world markets, the trustees plan on continuing with a restrained approach to investment based on lower risk investments with certain but limited returns, with the exception of the investments in Kenya mentioned above, which, although of a riskier nature, are providing benefit through the effect of impact investment.

The trustees' annual report was approved on 14th September 2025 and signed on behalf of the board of trustees by:

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Page 5

FG CHARITABLE TRUST

Independent Examiner's Report to the Trustees of FG CHARITABLE TRUST

Year ended 31st May 2025

| report to the trustees on my examination of the financial statements of FG CHARITABLE TRUST (‘the charity’) for the year ended 31st May 2025.

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’).

| 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 | have followed all the applicable Directions given by the Charity Commission under section 145(5){b) of the Act.

Independent examiner's statement

| have completed my examination. | 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.

| 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.

,

Adrian Grainger, on behalf of Griffiths & Pegg Limited Independent Examiner

.

3 Hagley Court South Waterfront East Level Street Brierley Hill DY5 1XE

14th September 2025

Page 6

FG CHARITABLE TRUST

Statement of Financial Activities

Year ended 31st May 2025

2025 2024
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 4 8,700 8,700 4,700
Investment income 5 201,810 201,810 206,464
-------------------------------- -------------- -------------------------------- --------------------------------
Total income 210,510 210,510 211,164
================================ ============== ================================ ================================
Expenditure
Expenditure on charitable activities 6,7 246,003 246,003 281,143
-------------------------------- -------------- -------------------------------- --------------------------------
Total expenditure 246,003 246,003 281,143
================================ ============== ================================ ================================
Net gains on investments 9 175,140 175,140 503,801
-------------------------------- -------------- -------------------------------- --------------------------------
Net income and net movement in funds 139,647 139,647 433,822
================================ ============== ================================ ================================
Reconciliation of funds
Total funds brought forward 7,463,190 4,051 7,467,241 7,033,419
----------------------------------------- ----------------------- ----------------------------------------- -----------------------------------------
Total funds carried forward 7,602,837 4,051 7,606,888 7,467,241
========================================= ======================= ========================================= =========================================

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 14 form part of these financial statements.

Page 7

FG CHARITABLE TRUST

Statement of Financial Position

31st May 2025

2025 2024
Fixed assets Note £ £
Investments 13 7,454,520 7,279,860
Current assets
Debtors
Cash atbank and in hand
14 30,668
123,020
37,261
151,380
153,688 188,641
Creditors: amounts falling duewithin one year 15 (1,320) (1,260)
Netcurrent assets 152,368 187,381
Totalassets less current liabilities 7,606 888 7,467,241
Netassets 7,606,888 7,467,241
Funds ofthe charity
Restricted funds 4,051 4,051
Unrestricted funds 7,602,837 7,463,190
Totalcharityfunds 16 7,606,888 7,467,241

These financial statements were approved by the board of trustees and authorised for issue on 14th September 2025, and are signed on behalf of the board by:

Trustee

The notes on pages 8 to 14 form part of these financial statements.

Page 8

FG CHARITABLE TRUST

Notes to the Financial Statements

Year ended 31st May 2025

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 11A Wannerton Road, Blakedown, Kidderminster, Worcestershire, DY10 3NG.

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.

Disclosure exemptions

The entity satisfies the criteria of being a qualifying entity as defined in FRS 102. Its financial statements are consolidated into the financial statements of (enter name of group financial statements) which can be obtained from (enter detail). As such, advantage has been taken of the following disclosure exemptions available under paragraph 1.12 of FRS 102:

(a) No cash flow statement has been presented for the company. (b) Disclosures in respect of financial instruments have not been presented.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

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.

Page 9

FG CHARITABLE TRUST

Notes to the Financial Statements (continued)

Year ended 31st May 2025

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.

Page 10

FG CHARITABLE TRUST

Notes to the Financial Statements (continued)

Year ended 31st May 2025

3. Accounting policies (continued)

Investments in associates

Investments in associates accounted for in accordance with the cost model are recorded at cost less any accumulated impairment losses.

Investments in associates accounted for in accordance with the fair value model are initially recorded at the transaction price. At each reporting date, the investments are measured at fair value, with changes in fair value taken through income or expenditure. Where it is impracticable to measure fair value reliably without undue cost or effort, the cost model will be adopted.

Dividends and other distributions received from the investment are recognised as income without regard to whether the distributions are from accumulated profits of the associate arising before or after the date of acquisition.

Investments in joint ventures

Investments in jointly controlled entities accounted for in accordance with the cost model are recorded at cost less any accumulated impairment losses.

Investments in jointly controlled entities accounted for in accordance with the fair value model are initially recorded at the transaction price. At each reporting date, the investments are measured at fair value, with changes in fair value taken through income or expenditure. Where it is impracticable to measure fair value reliably without undue cost or effort, the cost model will be adopted.

Dividends and other distributions received from the investment are recognised as income without regard to whether the distributions are from accumulated profits of the joint venture arising before or after the date of acquisition.

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 cashgenerating 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.

Page 11

FG CHARITABLE TRUST

Notes to the Financial Statements (continued)

Year ended 31st May 2025

3. Accounting policies (continued)

Financial instruments (continued)

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.

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

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Donations
Donations and gifts 8,700 8,700 4,700 4,700
======================= ======================= ======================= =======================
5. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Investment income 197,903 197,903 203,401 203,401
Interest receivable 3,907 3,907 3,063 3,063
-------------------------------- -------------------------------- -------------------------------- --------------------------------
201,810 201,810 206,464 206,464
================================ ================================ ================================ ================================

Page 12

FG CHARITABLE TRUST

Notes to the Financial Statements (continued)

Year ended 31st May 2025

6. Expenditure on charitable activities by fund type

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Donations to Overseas 171,306 171,306 212,524 212,524
Donations to UK 67,668 67,668 62,662 62,662
Support costs 7,029 7,029 5,957 5,957
-------------------------------- -------------------------------- -------------------------------- --------------------------------
246,003 246,003 281,143 281,143
================================ ================================ ================================ ================================

7. Expenditure on charitable activities by activity type

Activities
undertaken
Support
Total funds Total fund
directly
costs
2025 2024
£ £ £ £
Donations to Overseas 171,306
5,118
176,424 216,721
Donations to UK 67,668
67,668 62,662
Governance costs
1,911
1,911 1,760
-------------------------------- ----------------------- -------------------------------- --------------------------------
238,974
7,029
246,003 281,143
================================ ======================= ================================ ================================
8. Analysis of support costs
Analysis of
support costs
activity 1 Total 2025 Total 2024
£ £ £
Support costs - Travelling expenses 5,118 5,118 4,197
======================= ======================= =======================
9. Net gains on investments
Unrestricted
Total Funds
Unrestricted Total Funds
Funds
2025
Funds 2024
£ £ £ £
Gains on listed investments 175,140
175,140
503,801 503,801
================================ ================================ ================================ ================================
10. Independent examination fees
2025 2024
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,320 1,260
======================= =======================
11. Staff costs

The average head count of employees during the year was Nil (2024: Nil).

No employee received employee benefits of more than £60,000 during the year (2024: Nil).

Page 13

FG CHARITABLE TRUST

Notes to the Financial Statements (continued)

Year ended 31st May 2025

12. Trustee remuneration and expenses

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

13. Investments

Other
investments
£
Cost or valuation
At 1st June 2024 7,279,860
Additions 249,900
Disposals (195,000)
Fair value movements 119,760
-----------------------------------------
At 31st May 2025 7,454,520
=========================================
Impairment
At 1st June 2024 and 31st May 2025
=========================================
Carrying amount
At 31st May 2025 7,454,520
=========================================
At 31st May 2024 7,279,860
=========================================

All investments shown above are held at valuation.

14. Debtors

2025 2024
£ £
Other debtors 30,668 37,261
=========================== ===========================
Creditors: amounts falling due within one year
2025 2024
£ £
Accruals and deferred income 1,320 1,260
======================= =======================

15. Creditors: amounts falling due within one year

16. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At 1st Gains and At 31st
June 2024 Income Expenditure losses May 2025
£ £ £ £ £
General funds 7,463,190 210,510 (246,003) 175,140 7,602,837
========================================= ================================ ================================ ================================ =========================================
At 1st Gains and At 31st
June 2023 Income Expenditure losses May 2024
£ £ £ £ £
General funds 7,029,368 211,164 (281,143) 503,801 7,463,190
========================================= ================================ ================================ ================================ =========================================

Page 14

FG CHARITABLE TRUST

Notes to the Financial Statements (continued)

Year ended 31st May 2025

16. Analysis of charitable funds (continued)

Restricted funds

Restricted funds
At 1st Gains and At 31st
June 2024 Income Expenditure losses May 2025
£ £ £ £ £
Restricted fund 4,051 4,051
======================= ============== ============== ============== =======================
At 1st Gains and At 31st
June 2023 Income Expenditure losses May 2024
£ £ £ £ £
Restricted fund 4,051 4,051
======================= ============== ============== ============== =======================
Analysis of net assets between funds
Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Investments 7,454,520 7,454,520
Current assets 149,637 4,051 153,688
Creditors less than 1 year (1,320) (1,320)
----------------------------------------- ----------------------- -----------------------------------------
Net assets 7,602,837 4,051 7,606,888
========================================= ======================= =========================================
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Investments 7,279,860 7,279,860
Current assets 184,590 4,051 188,641
Creditors less than 1 year (1,260) (1,260)
----------------------------------------- ----------------------- -----------------------------------------
Net assets 7,463,190 4,051 7,467,241
========================================= ======================= =========================================

17. Analysis of net assets between funds