##
#
#
##
|||~leo,||
|---|---|---|---|
|.~~;-.;;--„;.
;,~~-|-.,'~-;~„:.-;;:|10am to 1pm|2pm to 4pm|
|5(~';;-::::-'-$;.
'„'-:".r'+-:-
-::-:-;"~l||10am to 1pm|2pm to 4pm|
|WA~
':- '-'. .&,|"',„:-',-','|10am to 1pm|2pm to 4pm|
|||10am to 1pm|2pm to 4pm|
|~:-::"'""~i:.""-"~':,"',;;;.||10am to1pm|closed|
##
|Contents||||||
|---|---|---|---|---|---|
|Our People||||Page|4|
|Chair's Report||||Page|6|
|Chief Officer's Report||||Page|7|
|Research and Campaigns||||Page|10|
|Money Advice||||Page|11|
|Training||||Page|13|
|An Adviser's
View||||Page|14|
|Our Clients'
Views||||Page|1S|
|Thank you to our Funders||||Page|16|
|Directors Report and|Financial||Review|Page|17|
|Statement of Financial|Activities|||Page|25|
|Balance Sheet||||Page|26|
|Notes to the Financial|Statements|||Page|27|
|Report ofthe Independent||Examiner||Page|34|
##
|Directors and Trustees|Directors and Trustees|Directors and Trustees|"l|rll 2022-|81 March 2023|
|---|---|---|---|---|---|
|L nn Stuart||Chair|||Joined 16/01/2019|
|Timothy Williams||Vice Chair,||Company|Joined 12/08/2020|
|||Secreta||||
|Olufunto
A beni|a|Treasurer||(interim)|Joined 10/11/2021|
|Tara Willmott||Secreta|||Joined 24/10/2018|
|Cherie Cunnin
ham|||||Joined 12/08/2020|
|Joanna Matthews|||||Joined 12/08/2020|
|Gavin Finch|||||Joined 11/11/2020|
|Ramin Nassajpour|||||Joined 11/8/2021|
|Esfahani||||||
|lain Hollowa
-McLean|||||Joined 10/11/202'I|
|Dou
las Leonard|||||Joined 10/11/2021|
|Felicit
Milne|||||Joined 10/11/2021|
|Karina Burrowes|||||Joined 17/11/2022|
|Kash Karimzandi||Chief Officer||||
|Karen Banfield||Advice Services Mana|||er|
|L nn Graves||Trainin|Su ervisor|||
|Adele Thompson||Mone|Adviser|||
|Alka Saunders||Mone|Adviser|||
|Melanic Harve||Mone|Advice Administrator|||
|Louise Downie||Administrator||||
##
##
##
##
##
##
##
##
##
##
##
##
#
#
##
##
##
##
##
##
|||Directors and Trustees|Joined|Resigned|
|---|---|---|---|---|
|Chair||Lynn Stuart|16/01/2019||
|Vice Chair||Timothy
Williams|12/08/2020||
|Treasurer|(interim)|Olufunto
Agbeniga|10/11/2021||
|Trustee||Tara Willmott|24/10/2018||
|Trustee||Cherie Cunningham|12/08/2020||
|Trustee||Joanna
Matthews|12/08/2020||
|Trustee||Gavin
Finch|11/11/2020||
|Trustee||Ramin Nassajpour|11/08/2021||
|||Esfahani|||
|Trustee||lain Holloway-McLean|10/11/2021||
|Trustee||Douglas
Leonard|10/11/2021||
|Trustee||Felicity Milne|10/11/2021||
|Trustee||Karina Burrowaw|17/11/2022||
|Registered|Registered|Office|Bossard House||
|---|---|---|---|---|
||||West Street||
||||Leighton
Buzzard||
||||Bedfordshire||
||||LU7 1DA||
|Company||Reg.|||
|Number|||05957866 (England|and Wales)|
|Charity|Number||1117337||
|Independent|D R Kerins FCCA|D R Kerins FCCA||||
|---|---|---|---|---|---|
|Examiner|Ad Valorem Accountancy|||Services Ltd||
||2 Manor Farm|Court||||
||Old Wolverton|Road||||
||Old Wolverton|||||
||Milton Keynes|||||
||MK12 5NN|||||
|Bank|CAF Bank Ltd|||||
||25 Kings
Hill Avenue,||Kings||Hill|
||West Mailing|||||
||Kent|||||
||ME194JQ|||||
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
||||31.03.23|31.03.23|31.03.23|31.03.22|31.03.22|
|---|---|---|---|---|---|---|---|
||||Unrestricted|Restricted|Total|Total||
|||Notes|Funds|Funds|Funds|Funds||
||||g|||g||
|INCOME AND EXPENDITURE||||||||
|Income and endowments|from:|||||||
|Grants|||139,472|58,645|198,117|155,]50||
|Donations
and legacies|||2,347||2,347|2|395|
|Voluntary
income total|||141,819|58,645|200,464|157,545||
|Charitable
activities||||||||
|Investments|||2,055||2,055||518|
|Other||||||2|000|
|Total Incoming Resources|||143 874|58 645|202 519|160|063|
|Expenditure
on:||||||||
|Charitable
activities||7|112,231|58,645|170,876|152,083||
|Other||8|903||903|1|582|
|Total Expenditure|||113134|58 645|171 779|153|665|
|Net Income/(Expenditure)|||30,740||30,740|6,398||
|Transfer between
funds||||||||
|Net movement
ofhtnds|||30,740||30,740|6,398||
|Reconciliation
offunds:||||||||
|Total funds brought forward|||137840|500|138340|131|942|
|Total funds carried forward||||||||
##
|||Notes|31.3.2023||31.3.2022|31.3.2022||
|---|---|---|---|---|---|---|---|
|FIXEDASSETS||||||||
|Tangible assets||||||||
|CURRENT ASSETS||||||||
|Debtors||10|2,286||6,644|||
|Cash at bank and in hand|||188024||149 136|||
||||190,310||155,780|||
|CREDITORS||||||||
|Amounts
falling due within|one year|11|21 230||17440|||
|NKT CURRENT ASSETS|||169|080||138|340|
|TOTAL ASSETSLESSCURRENT LIABILITIES||||||||
|FUNDS OF THK CHARITY||||||||
|Unrestricted
funds:||||||||
|General reserve||13|168,580|||137,840||
|Restricted Funds||13||500|||500|
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
|6.INCOMING|RESOURCE|S||||||
|---|---|---|---|---|---|---|---|
|||||31.3.2023|31.3.2023|31.3.2023|31.3.2022|
|||||Unrestricted|Restricted|Total|Total|
|Grants||||||||
|Central Bedfordshire
Council||—annual|grant|112,813||112,813|74,628|
|Leighton
Linslade Town Council||||23,327||23,327|22,237|
|Citizens Advice|- Money Advice and||Pension|||||
|Service grant|||||50,645|50 645|48 805|
|Citizens Advice|—Household|Support||||||
|Administration|grant|||3,332||3,332||
|Citizens Advice|- Help to Claim grant||||||9,480|
|Wixamtree|||||8 000|8 000||
|Donations
and|Legacies|||||||
##
##
##
|||||31.3.2023|31.3.2023|31.3.2023|31.3.2022|
|---|---|---|---|---|---|---|---|
|||||||K||
|||||Unrestricted|Restricted|Total|Total|
|Staffcosts:||||||||
|Salaries||||83,617|39,131|122,748|119,342|
|Social security|costs|||1,717|2,875|4,592|4,868|
|Pension costs||||1 530|800|2 330|2 196|
|||||86,864|42,806|129,670|126,406|
|Support costs:
Rent||||5,583|1,917|7,500|7,500|
|Travel, training|and|volunteer|expenses|1,314|451|1,765|1,886|
|IT and office equipment||||2,541|8,000|10,541||
|Insurance,
stationeiy,
office expenses||telephone|and other|15,875|5,453|21,328|16,195|
|Other overheads||||54|18|72|96|
##
##
##
|||Office|Office||
|---|---|---|---|---|
|||furniture|&||
|||equipment||Total|
|Cost||||K|
|At
1 April 2022||16|165|16 165|
|At 31March|2023|16|165|16 165|
|Depreciation|||||
|At 1 April 2022||16,165||16,165|
|Charge for the year|||||
|At 31March|2023|16|165|16 165|
|Net Book Value|||||
|At 31 March|2023||||
|At 31 March|2022||||
|10.DEBTORS||31.3.2023||31.3.2022|
|Trade debtors|||||
|Prepayments|and accrued income|2|286|6664|
|11.CREDITORS: AMOUNTS FALLING DUK WITHIN ONK YEAR||31.3.2023||31.3.2022|
|Creditors
and|accrued charges|2,895||2,000|
|Taxation
and|social security|2,835||2,718|
|Other creditors||15|500|12722|
##
##
|||||31.3.2023|31.3.2022|
|---|---|---|---|---|---|
|Propet+ Lease||||1,875|1,875|
|Photocopier||||||
|13.MOVEMKNT|IN FUNDS|||||
|||Balance|Income|Expenditure|Balance|
|||brought|||carried|
|||forward|||forward|
||||||g|
|Restricted Funds||||||
|Aviva Community|Fund|500|||500|
|Citizens Advice -|Money Advice and|||||
|Pension Service grant|||50,645|50,645||
|Wixamtree|||8,000|8,000||
|Citizens Advice —Help to Claim grant||||||
|||500|58 645|58 645|500|
|Unrestricted
Funds||||||
|General Reserve||137840|143 874|113 134|168580|
##
##
|4.ANALY|SIS OFFUNDS||||
|---|---|---|---|---|
|||Net debtors/|Bank|Totals|
|||creditors|||
|||g|||
|Restricted|Funds||500|500|
|Unrestricted|Funds|18944|187524|168580|
|At 31 March 2023|||||
|At 31March 2022|||||
##
##
##
##
##
##
##
##
##