2025-10-31-accounts

Al Mustafa Welfare Trust Charity Number: 1118492

Al Mustafa Welfare Trust International Ltd Annual Report & Financial Statements Year ended 31 October 2025 England & Wales Registered Charity No. 1118492

Contents

Contents
Charity Information	03
Chairman’s Message	04
Our achievements	05
Your Zakat	06
Clear Vision	07
Hufaz	08
Orphans	08
Clean Water	09
Gaza	10
Bonded Labour	11
Pakistan Floods	11
Feed One Million	12
Fidya & Kafarah	13
Give a little extra	13
Trustees’ annual report_(incorporating the director’s report)_	15
Independent auditor’s report to the members	18
Statement of fnancial activities_(including income and expenditure account)_	23
Statement of fnancial position	24
Statement of cash fows	25
Notes to the fnancial statements	26

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Al Mustafa Welfare Trust International Ltd

Company Limited by Guarantee Trustees’ Annual Report (Incorporating the Director’s Report) Year ended 31 October 2025

The trustees, who are also the directors for the purposes of company law, present their report and the financial statements of the charity for the year ended 31 October 2025.

Charity Information

Registered Charity Name AL MUSTAFA WELFARE TRUST INTERNATIONAL LTD Charity Registration Number 1118492 Company registration number 05581896 Principal office & registered office The Old Pumping Station, Pump Alley, Brentford, TW8 0AP United Kingdom The trustees Mr Abdul Razzaq Sajid Mrs Rizwana Latif Mrs Shamama Shahid Lateef Mrs Rubina Khawaja Auditor K K Associates Chartered accountants & Statutory Auditor 305 Crown House Park Royal North Circular Road London NW10 7PN Solicitors Lee Bolton Monier-Williams LLP 1 The Sanctuary, Westminster London SW1P 3JT Bankers Lloyds Bank 12 Smithy Lane Hounslow, TW3 1EH

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Chairman’s Message

Dear friends,

As we reflect on another year, I find myself once again, inspired by your generosity and kindness. The last year has been full of challenges, as we saw continued suffering in Gaza like never before, and in many other places.

Among dark and uncertain times, your support and unwavering commitment has been a beacon of hope, saving and rebuilding lives, reminding those in need that they have not been forgotten. This year, I sincerely ask you to support us once more, aiming to uplift and transform some of the world’s most vulnerable communities.

Since October 2023, we have witnessed relentless suffering in Gaza, where over 100,000 people have been killed. Almost all of Gaza’s 2 million population has been displaced, battling the seasons in overcrowded camps that offer little protection. Your ongoing support has enabled us to provide life-saving food, healthcare and essential aid by working with key partners on the ground.

In the last year, we also witnessed catastrophic flooding in Pakistan - the worst the country has ever witnessed. Your support enabled us to conduct rescue missions and provide shelter, food, clean water and healthcare to those who have lost everything.

This year, your support has the power to bring light to those trapped in darkness, and to save and transform lives.

With Gratitude,

Abdulrazzaq Sajid

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1,727,886 BenefiCiarieS ProvideD WitH fOoD aiD

25 Global aiD Delivery in 25 cOuntries

Our aChievementS in numberS 278, 112 17,635 18,854 41 Cataract Surgeries Water Hand pumpS hafiz Students Schools built Performed SPonSored 8,422 18,452 902 eleCtriC Water WellS DisaBled children School BaSed inStalleD SuPPOrted to attenD eye CamPS School 8,329 1,237,644 Water Wells inStalleD 162 1,542 eyeglasSeS DiStributeD PeoPle With DisaBilitieS moSques Built 498 SuPPOrted in BusineSS Community Water WellS inStalleD 26 1, 943,034 Water PurificatiOn 4.2 Million 9,006 OPD sCreenings Plants OrPhan Children QurBani meat diStriButiOn BenefiCiarieS 691,492 SPonSored hepatitiS sCreenings

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Ramadan brings us opportunities to connect deeply with Allah (swt), with our communities, and with those vulnerable and suffering around the world.

We focus on Zakat this month, and often think of it as something static - a duty to be fulfilled. However, Zakat is something that moves. It transforms communities, and enables mercy to flow, rebuild, inspire, protect and feed.

Giving Zakat moves mercy from your hearts to the hearts of those suffering around the world. It allows clean water to be provided to the thirsty, food to tackle hunger, lives to be uplifted, orphans to be protected and those suffering in war to be saved, safe and never alone.

When mercy moves through your Zakat, poverty falls. Your Zakat has the power to give communities education, sustainable livelihoods, nutritious food, restored eyesight, healthcare, clean water and so much more.

Your Zakat can help us do so much for those in need.

Give zaKat WHere most needeD £100 / £500 /£1,000 / £5,000

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turn your zakat into

Your Zakat can help those struggling with blindness to see once again.

Over 2 billion people around the world are unable to see, with 75% of all blindness being curable with the right healthcare. Our mission is to take quality eyecare to the most impoverished and vulnerable communities. Make mercy move with your Zakat, and tackle blindness today. Restoring vision helps to restore hope, enabling people to see their loved ones, read the Qur’an, work and study.

hOW you Can HelP

Our hoSpitalS: a PlaCe Where tHe DOorS Of mercy never ClOse

hOW you Can HelP

£100 Eye Hospital Running Cost

£500

Eye Hospital Expansion

£750

24/7 Emergency Services

£1 000 Gynaecology , Neonatal Intensive Care Unit £1 500 ,

£45

Could Provide One Cataract Surgery Could Provide One Glaucoma Surgery Could Provide One Day Eye Camp

£100

£1 500 , £3 000 , £4 000 ,

Could Provide Two Days Eye camp

Could Provide a Slit Lamp

At the general hospital in Mansehra, we provide quality healthcare, ensuring that nobody has to struggle with ill health or injuries. We know that in times of health crisis, millions of people across Pakistan struggle to access the healthcare that can save their lives and the lives of their loved ones.

Our qualified doctors treat an array of health conditions, and we have specialist equipment, testing facilities and everything we need to help save lives, treat health issues and keep generations of people safe.

We believe that mercy should always flow through your Zakat to those who need it.

Thats why the hospitals in Pakistan never close the doors of mercy to those in need. The dedicated eye hospital in Lahore provides specialist eye care to vulnerable people across Pakistan. We help to save sight before it’s lost, as well as restoring sight once blindness has started. We make sure no one is left behind, and provide a dedicated, tailored approach, leaving no stone unturned in our mission to tackle blindness.

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let your Zakat SuPPOrt a young hufaDh

Our Hafiz Programme is dedicated to providing vulnerable children with a beautiful Islamic education and supporting their journey to become a hafiz or hafizah.

Our Hafiz Programme is dedicated to providingvulnerable children with a beautiful Islamic education and supporting their journey to become a hafiz or hafizah. Through our programme, 13,000 students are currently provided with nutritious meals, clothing, medical care and access to excellent Islamic and Hifz education alongside a mainstream curriculum. We ensure donors receive regular updates on the child they support, so you can follow along on their life-changing journey.

hOW you Can HelP

Donate towards the school fees and boarding of a vulnerable child.

Saad bin Ubadah (ra) narrated. I asked the Prophet of Allah what charity is best? And he replied, ‘Giving water to drink’. [SUNAN IBN MAJAH]

£15 Sponsor a child for 3 years (pay monthly)

£180 Sponsor a child for 3 years (pay yearly)

£540 Sponsor a child for 3 years (one-off)

let your Zakat SuPPOrt an orpHan aS tHey grOW

“The best among you are those who learn the Qur’an and teach it to others”. [SAHIH BUKHARI]

Orphans are among the most vulnerable around the world, being left without the love and protection of one or both parents.

Many orphan children living in poverty are forced to drop out of school and to work or beg for their survival. Our Orphan Sponsorship programmes helps to ensure that thousands do not ever have to face this reality. Thanks to the support of our donors, we are able to ensure orphans receive quality education, healthcare, nutritious food and a safe place to live. We ensure donors receive regular updates to see the impact their support is having on the orphan child they are supporting.

hOW you Can HelP

£28

£336

£45

A month to Sponsor an Orphan

Supports One Orphan for One Year

Will give an Eid Gift to an Orphan

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let your Zakat BrinG safe, Clean Water

2 billion people around the world do not have access to clean drinking water nearby.

They have no option but to walk for miles each day to the nearest water source, which is often contaminated and harmful. Hundreds of thousands of people each year, lose their life to preventable diseases caused by dirty water.

For decades, we’ve been providing solutions to water scarcity, helping communities with tailored approaches, enabling water to flow freely and safely to homes, schools, mosques and villages.

Saad bin Ubadah (ra) narrated. I asked the Prophet of Allah what charity is best? And he replied, ‘Giving water to drink’. [SUNAN IBN MAJAH]

hOW you Can HelP

£200 Help Install a Water Hand Pump £300 Help Install an Electric Water Well £500 Help Install a Water Well £2 500 Help Install a Solar Water Well , £5 500 Small Water Purification Plant , £11 000 Large Water Purification Plant ,

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Gaza: thiS iS Where your Zakat BringS relief unDer fire

Since October 2023, we have witnessed the biggest and most catastrophic attack against the people of Gaza, in its history.

The violence has been beyond our imaginations, resulting in the death of almost 100,000 people including children and babies. Almost all of Gaza’s 2 million has been displaced and are living in temporary, overcrowded shelters and tents.

Alhamdulillah, we have been working in Palestine since 2014 and through meaningful partnerships, are able to carry out large scale distributions in Gaza, delivering vital aid to hospitals and the people of Gaza.

How are we able to deliver aid into Gaza?

1.5m Gazans have been displaced from their homes

emergency relief aid

hOW you Can HelP

Despite a robust blockade and restrictions, Al Mustafa Welfare Trust is working with agencies who have extensive experience and special permission to deliver aid into Gaza.

The Egyptian Red Crescent have direct access to Gaza, with permission to access the area with trucks. The Royal Hashemite Trust are licensed to use their military planes to fly aid directly to the Rafah border, which will then enter Gaza through trucks. As the aid is going more often we have now established relations which enable us to deliver within Gaza too.

£55

For a one-month Family Food Pack

Provides safe, clean water for families in Gaza who are in need

£200

Provides a Family Survival Pack (food, water, shelter, health & hygiene essentials)

£300

Sponsors a family for a month and £500 provides daily essentials for survival

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500 FAMILIES FREED FROM BONDED LABOUR

24.9 million people around the world are trapped in bonded labour. This type of modern slavery affects millions of people in Pakistan, who are forced to work to pay off a sudden debt.

They work for hours on end each day with little or no pay, while their loan grows in interest. This makes it almost impossible for people to ever free themselves, and the cycle of bonded labour continues as the debt moves from generation to generation.

People are working in dangerous situations such as operating kilns, and are often working painfully long days with no breaks, which are having catastrophic impacts on their health. This Ramadan, make mercy move and allow your Zakat to break the cycle of bonded labour. You can help free a family trapped in modern slavery.

hOW you Can HelP

let your Zakat Break the cyCle of BOnDed labour

£100 Contributes towards Freeing a Family £1 000 Clears half the debt of One Family , £2 000 Frees a Family from Bonded Labour ,

PakiStan flOod emergency

When catastrophic monsoon floods swept across Punjab, Khyber Pakhtunkhwa, and Sindh, entire communities were left without shelter, clean water, food, or medical care.

Homes vanished, livelihoods were destroyed, and thousands of families were forced to survive on roadsides and in temporary shelters.

Because of your generosity, AMWT activated its Rapid Emergency Response within 24 hours, reaching over 5 million people across 27 districts and 238+ locations. Your support became rescue, relief, dignity, and hope when it was needed most.

tOgetHer, you DelivereD

280,000 kg of livestock fodder to protect fragile livelihoods

• 4,000,000+ people with hot meals and safe drinking water

946,000+ people with emergency food packs

20 rescue boats evacuating families from floodwaters

• 50,000+ patients treated through 73 mobile medical camps

• 6,500+ volunteers mobilised to serve on the ground

• 6,000+ displaced individuals sheltered in 10 tent settlements

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feeD one million: thiS is WHere your Zakat feeds a family

Every Ramadan, we set ourselves a mission to feed 1 million people with your support. This year is no different, but the need around the world is louder than ever.

Join our challenge and help us provide nutritious food to one million people during the sacred month, so nobody goes without a wholesome suhoor or iftar every day. Your donation will enable us to provide freshly cooked meals as well as food parcels to some of the world’s most impoverished communities.

Give COokeD iftaar mealS

£50 Will Provide Iftar for 20 people

£100

Will Provide Iftar for 40 people

£150

Will Provide Iftar for 60 people

£250 Will Provide Iftar for 100 people

Give ramaDan family fOoD paCkS

£55 For a Family Ramadan Food Pack Will Feed Two Families in Ramadan £110

Will Feed Ten Families in Ramadan £550

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fidyaH & kaffarah

fidiyaH

Kaffarah

Give a little eXtra...

£10 Plant an Olive Tree

£45 For an Orphans Gift Pack

£50 Provides a Sewing Machine

£145 Provides Mobility Equipment

£150 Provides a family One Goat

£300 Helps setup a Food Cart

£600 Provides a family One Dairy Cow

£1,000 Helps setup a Small Business

GIVE HOPE - SET UP DIRECT DEBIT FOR MONTHLY DONATIONS

Please support us by giving just £5 per month, so we can help needy and vulnerable people to live their lives with dignity and peace.

We are Members & Affiliates of

Financial Statements

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Trustees Annual Report (Incorporating the Director’s Report) (Continued)

The trustees present their report and accounts for the year ended 31 October 2025. The accounts have been prepared in accordance with the accounting policies set out in note 1 to the accounts and comply with the charity’s governing document, the Charities Act 2011 and the Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard FRS 102 issued in 2019.The following sections for achievements and performance and financial review form the strategic report of the charity.

STRUCTURE, GOVERNANCE AND MANAGEMENT

The affairs of Al Mustafa Welfare Trust International Ltd are governed by the memorandum and articles of association written on incorporation on 4 October 2005 as amended by special resolution dated 27 April 2006. The charity is managed by a board of trustees who are actively engaged in the overall management and control of the charity. In the year ended 31 October 2025, the following persons served as trustees:

Mr Abdul Razzaq Sajid Mrs Rizwana Latif Mrs Shamama Shahid Lateef Mrs Rubina Khawaja

The charity is managed by the board of trustees and senior management. All major decisions that require board approval are presented to the board. The board Chairman actively participates in on-going management actions working together with senior management of the charity.

OBJECTIVES AND ACTIVITIES

The charity’s objective is the advancement of health and education, alleviation of poverty and serving humanity. In this regard, the charity continued to support and sponsor the health and education initiatives, poverty relief efforts and construction and repair of houses and accommodation. The source of income was public donations, including Gift Aid and payroll giving. No grant was received from any government or private organization.

FINANCIAL REVIEW

The donations received this year increased when compared to the previous year and were adequate to implement the programs.

The charity received donations including Gift Aid and investment income during the year amounting £10,630,805. Total outgoing resources amounted to £10,023,951.

Total available funds as at 31 October 2025 amounted to £9,848,007 of which £4,200,203 related to restricted funds and £5,647,804 was available for unrestricted purposes.

The charity acquired a property during this year, which is being used as main office of the charity.

The Trustees are satisfied that the charities activities during the year have met their objectives and are satisfied with the financial position at the year end.

(Continued...)

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Trustees Annual Report (Incorporating the Director’s Report) (Continued)

RESERVES POLICY

The trustees regularly review the risks to the charity and are actively monitoring the reserves available to the charity. As the work continues, the trustees have decided to continue to maintain a reasonable surplus which covers a significant part of annual expenditure.

The trustees are satisfied that all the funds received have been applied in a wholly effective manner.

FUTURE PLANS

During this year the charity continued its work and development of its programmes, working closely as a team in achieving its charitable objectives.

The Trustees have not planned any significant changes to the charity’s activities.

RESPONSIBILITIES OF THE TRUSTEES

The charity’s trustees are responsible for preparing the Trustees Annual Report and the financial statements in accordance with applicable law and regulations.

The law applicable to charities in England and Wales requires the trustees to prepare financial statements for each financial year. Under that law the trustees have elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law). The trustees must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the charity and the income and expenditure of the charity for that period.

In preparing these financial statements, the trustees are required to;

RISK MANAGEMENT

The charity takes robust steps to manage the risks involved in achieving of its aim and objectives. The Board of Trustees reviews significant risks and makes sure that they are taking appropriate measures to manage and reduce their impact. Managers manage resources, monitor performance, and have also established, and manage, an effective internal control environment. This is supported by systems, processes, and procedures.

PUBLIC BENEFIT

The charity develops strategic plans to make certain that we provide maximum public benefit and achieve our strategic objectives, which fall under purposes defined by the Charities Act 2011 and public benefit guidance published by the Charity Commission.

• Select suitable accounting policies and then apply them consistently

• Observe the methods and principles in the Charities SORP

• Make judgements and accounting estimates that are reasonable and prudent

• State whether applicable accounting standards have been followed, subject to any material departures disclosed and explained in the financial statements

• Prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in operation.

(Continued...)

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Trustees Annual Report (Incorporating the Director’s Report) (Continued)

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity’s transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charity (Accounts and Reports) Regulations, and the provisions of the trust deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

AUDITORS

Each of the persons who is trustee at the date of approval of this report confirms that:

• So far as they are aware, there is no relevant audit information of which the company’s auditor is unaware; and

• They have taken all steps that they ought to have taken as a trustee to make themselves aware of any relevant audit information and to establish that the company’s auditor is aware of the information.

FUNDRAISING

Our fundraising strategy is to use different modes of fundraising which include individual donor giving, community fundraising, live TV and radio appeals, events, direct mail, and online giving. The fundraising activities are performed by our staff. As a member of the Fundraising Regulator, we abide by its Fundraising Code of Practice. We advise our donors and supporters that we are regulated by the Fundraising Regulator and comply with their Code of Practice.

K K Associates, Chartered Accountants and Registered Auditors, have been re-appointed as auditors for the ensuing year.

Signed on behalf of the trustees

Abdul Razzaq Sajid Trustee

We have a complaint registration policy and procedure in place. If donors and supporters have any complaints, they can register their complaints in person, by telephone, email, or online contact forms on our website or through postal letters. Any complaints have to be dealt in accordance with the process laid down in Code of Practice of the Fundraising Regulator.

The Old Pumping Station, Pump Alley, Brentford, TW8 0AP United Kingdom

Date: 14 August 2026

We ensure that our staff are fully briefed about the code of conduct with regard to the protection of vulnerable people. Before any external facing fundraising activity is undertaken, we remind staff on best practice and the need to identify, respect, support, and protect vulnerable people.

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Independent Auditor’s Report to the Members of AL MUSTAFA WELFARE TRUST INTERNATIONAL LTD

Opinion

We have audited the financial statements of Al Mustafa Welfare Trust International Ltd (the ‘charitable company’) for the year ended 31 October 2025 which comprise the statement of financial activities (including income and expenditure account), statement of financial position, statement of cash flows and the related notes, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the auditor’s responsibilities for the audit of the financial statements section of our report. We are independent of the charitable company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

In our opinion the financial statements:

Conclusions relating to going concern

• give a true and fair view of the state of the charitable company’s affairs as at 31 October 2025 and of its incoming resources and application of resources, including its income and expenditure, for the year then ended;

• have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice;

• have been prepared in accordance with the requirements of the Companies Act 2006.

In auditing the financial statements, we have concluded that the trustees’ use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed; we have not identified any material uncertainties relating to events or conditions that may cast significant doubt on the charitable company’s ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

(Continued...)

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Independent Auditor’s Report to the Members of AL MUSTAFA WELFARE TRUST INTERNATIONAL LTD (Continued)

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The trustees are responsible for the other information contained within the annual report. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements, or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

• The information given in the trustees’ report, which includes the directors’ report, for the financial year for which the financial statements are prepared is consistent with the financial statements; and

• The directors’ report included within the trustees’ report has been prepared in accordance with applicable legal requirements.

(Continued...)

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Independent Auditor’s Report to the Members of AL MUSTAFA WELFARE TRUST INTERNATIONAL LTD (Continued)

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charitable company and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees’ report. We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

• Adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or

• The financial statements are not in agreement with the accounting records and returns; or

Responsibilities of trustees

As explained more fully in the trustees’ responsibilities statement, the trustees (who are also the directors for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, the trustees are responsible for assessing the charitable company’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charitable company or to cease operations, or have no realistic alternative but to do so.

• Certain disclosures of trustees’ remuneration specified by law are not made; or

• We have not received all the information and explanations we require for our audit; or

• The trustees were not entitled to prepare the financial statements in accordance with the small companies’ regime and take advantage of the small companies’ exemptions in preparing the trustees’ report and from the requirement to prepare a strategic report..

(Continued...)

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Independent Auditor’s Report to the Members of AL MUSTAFA WELFARE TRUST INTERNATIONAL LTD (Continued)

Auditor’s responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

• We obtained an understanding of the legal and regulatory frameworks that are applicable to the entity, which it has to comply with. Our audit tests included tests to check this compliance to the extent that we are expected to do so.

• In our risk assessment process detailed discussions and planning took place to ensure that our audit procedures are so designed that any material irregularity including fraud will be uncovered when we carry out our tests.

• In addition, our meetings with the company’s management included enquiries that were focused on detection of irregularities including fraud. Discussions included consideration of the risk of management override on controls and segregation of duties.

• As part of our audit, we reviewed Board minutes and any correspondence with all regulatory authorities.

As part of an audit in accordance with ISAs (UK), we exercise professional judgment and maintain professional skepticism throughout the audit. We also:

• Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.

• Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the internal control.

(Continued...)

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Annual Report and Financial Statements for the Year Ended 31 October 2025

Independent Auditor’s Report to the Members of AL MUSTAFA WELFARE TRUST INTERNATIONAL LTD (Continued)

• Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the trustees.

• Conclude on the appropriateness of the trustees’ use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the charitable company’s ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor’s report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor’s report. However, future events or conditions may cause the charitable company to cease to continue as a going concern.

• Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and whether the financial statements represent the underlying transactions and events in a manner that achieves fair presentation.

Use of our report

This report is made solely to the charitable company’s members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charitable company’s members those matters we are required to state to them in an auditor’s report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charitable company and the charitable company’s members as a body, for our audit work, for this report, or for the opinions we have formed.

Kamal A. Kureshi Senior Statutory Auditor

For and on behalf of K K Associates Statutory Auditors

305 Crown House Park Royal North Circular Road London NW10 7PN

Date: 14 August 2026

We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

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Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Statement of Financial Activities

(Including the income and expenditure account) Year Ended 31 October 2025

Unrestricted Funds Note £	Unrestricted Funds Note £	Unrestricted Funds Note £	Restricted Total Funds Total Funds Funds 2025 2024 £ £ £	Restricted Total Funds Total Funds Funds 2025 2024 £ £ £	Restricted Total Funds Total Funds Funds 2025 2024 £ £ £
INCOME AND ENDOWMENTS Donations and legacies 5 Investment income 7 TOTAL INCOME EXPENDITURE Expenditure on raising funds 6,8 Expenditure on charitable activities 9,10 TOTAL EXPENDITURE NET INCOME AND NET MOVEMENT IN FUNDS RECONCILIATION OF FUNDS: Total funds brought forward TOTAL FUNDS CARRIED FORWARD		2,458,896 122,750 2,581,646 1,067,416 1,043,638 2,111,054 470,592 5,177,212 5,647,804	8,049,159 – 8,049,159 482,950 7,429,947 7,912,897 136,262 4,063,941 4,200,203	10,508,055 122,750 10,630,805 1,550,366 8,473,585 10,023,951 606,854 9,241,153 9,848,007	11,313,647 128,391 11,442,038 1,676,440 8,655,404 10,331,844 1,110,194 8,130,959 9,241,153

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 26 to 36 form part of these financial statements.

23

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Statement of Financial Position Year Ended 31 October 2025

Note	2025 £	2024 £
FIXED ASSETS Tangible fxed assets 16 CURRENT ASSETS Debtors 17 Cash at bank and in hand CREDITORS: Amounts falling due within one year 18 NET CURRENT ASSETS TOTAL ASSETS LESS CURRENT LIABILITIES NET ASSETS FUNDS OF THE CHARITY Restricted funds Unrestricted funds TOTAL CHARITY FUNDS 20, 21	2,912,509 1,179,862 5,795,354 6,975,216 39,718 6,935,498 9,848,007 9,848,007 4,200,203 5,647,804 9,848,007	822,483 1,255,918 7,190,555 8,446,473 27,803 8,418,670 9,241,153 9,241,153 4,063,941 5,177,212 9,241,153

These financial statements were approved by the board of trustees and authorised for issue on 14 August 2026, and are signed on behalf of the board by:

Abdul Razzaq Sajid

Trustee

The notes on pages 26 to 36 form part of these financial statements.

24

Company Limited by Guarantee

Al Mustafa Welfare Trust International Ltd

Statement of Cash Flows Year ended 31 October 2025

	2025 £	2024 £
Cash fows from operation activities Net income 606,854 Adjustments for: Depreciation of tangible fxed assets 13,155 Other interest receivable and similar income (122,750) Accrued expenses 8,996 Changes in: Trade and other debtors 76,056 Trade and other creditors 2,919 Cash generated from operations 585,230 Interest received 122,750 Net cash from operating activities 707,980 Cash fows from investing activities Purchase of tangible assets (2,103,181) Net cash from investing activities (2,103,181) Net increase in cash and cash equivalents (1,395,201) Cash and cash equivalents at beginning of year 7,190,555 Cash and cash equivalents at end of year 5,795,354		1,110,194 12,029 (128,391) 580 (495,368) 1,964 501,008 128,391 629,399 (290,662) (290,662) 338,737 6,851,818 7,190,555

The notes on pages 26 to 36 form part of these financial statements.

25

Al Mustafa Welfare Trust International Ltd

Company Limited by Guarantee

Notes to the Financial Statements Year ended 31 October 2025

1. GENERAL INFORMATION

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is The Old Pumping Station, Pump Alley, Brentford TW8 0AP, United Kingdom.

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) effective 1 January 2019) and the Companies Act 2006.

3. ACCOUNTING POLICIES

Basis of preparation

The financial statements have been prepared on the historical cost basis.

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.

Fund accounting

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

Resources expended

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

• expenditure on raising funds includes the costs of all fundraising activities.

• expenditure on charitable activities includes all costs incurred by a charity in undertaking activities that further its charitable aims for the benefit of its beneficiaries, including those support costs and costs relating to the governance of the charity apportioned to charitable activities.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Fixtures and fitting - 20% straight line

4. LIMITED BY GUARANTEE

Al Mustafa Welfare Trust Ltd is a private company limited by guarantee without share capital. It is incorporated and registered in England & Wales.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal.

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:

• income from donations is recognised when it has been received.

26

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

5. DONATIONS AND LEGACIES

	Unrestricted Funds	Restricted Funds	Total Funds 2025
	£	£	£
Donations
Donations	1,285,784	8,049,159	9,334,943
Gift Aid	1,173,112	–	1,173,112
	2,458,896	8,049,159	10,508,055
	Unrestricted Funds	Restricted Funds	Total Funds 2024
	£	£	£
Donations
Donations	1,420,677	8,643,802	10,064,479
Gift Aid	1,249,168	–	1,249,168
	2,669,845	8,643,802	11,313,647

During the year the charity received £505,624 from related charitable organisations for charitable expenditure in accordance with the normal operations and objects of the charity.

27

Notes to the Financial Statements Year ended 31 October 2025

Al Mustafa Welfare Trust International Ltd

6. EXPENDITURE ON RAISING FUNDS

Unrestricted Funds Restricted Funds 2025 £ £ £	Unrestricted Funds Restricted Funds 2025 £ £ £	Unrestricted Funds Restricted Funds 2025 £ £ £	2024 £
Advertising & promotional expenses Printing, postage and stationery HR and support cost Total	898,803 73,268 95,345 1,067,416	406,661 1,305,464 33,150 106,418 43,139 138,484 482,950 1,550,366	1,407,456 128,381 140,603 1,676,440

7. INVESTMENT INCOME

Unrestricted Funds £ Total Funds 2025 £ Total Funds 2024 £ Unrestricted Funds £	Unrestricted Funds £ Total Funds 2025 £ Total Funds 2024 £ Unrestricted Funds £
Bank interest receivable Rental Income Total	113,770 113,770 128,391 128,391 8,980 8,980 – – 122,750 122,750 128,391 128,391

28

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

8. EXPENDITURE ON RAISING FUNDS

	Unrestricted	Restricted	Total Funds
	Funds	Funds	2025
	£	£	£
Raising funds	1,067,416	482,950	1,550,366
	Unrestricted	Restricted	Total Funds
	Funds	Funds	2024
	£	£	£
Raising funds	1,157,812	518,628	1,676,440

9. COSTS OF CHARITABLE ACTIVITIES BY FUND TYPE

	Unrestricted	Restricted	Total Funds
	Funds	Funds	2025
	£	£	£
Health & Education	–	2,428,907	2,428,907
Poverty	299,225	1,602,782	1,902,007
Other Projects	317,359	–	317,359
Interfaith & Culture	290,157	1,504,213	1,794,370
Emergency & Disaster	–	1,894,045	1,894,045
Governance cost (Note 22)	136,897	–	136,897
	1,043,638	7,429,947	8,473,585
	Unrestricted	Restricted	Total Funds
	Funds	Funds	2024
	£	£	£
Health & Education	–	1,692,596	1,692,596
Poverty	318,711	1,282,522	1,601,233
Other Projects	339,535	–	339,535
Interfaith & Culture	288,090	1,352,539	1,640,629
Emergency & Disaster	–	3,283,371	3,283,371
Governance cost (Note 22)	98,040	–	98,040
	1,044,376	7,611,028	8,655,404

29

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

10. EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE

	Activities	Support	Total Funds	Total Funds
	undertaken directly	costs	2025	2024
	£	£	£	£
Health & Education	2,154,291	274,616	2,428,907	1,692,596
Poverty	1,720,794	181,213	1,902,007	1,601,233
Other Projects	214,842	102,517	317,359	339,535
Interfaith & Culture	1,624,302	170,068	1,794,370	1,640,629
Emergency & Disaster	1,679,901	214,144	1,894,045	3,283,371
Governance cost (Note 22)	136,897	-	136,897	98,040
	7,531,027	942,558	8,473,585	8,655,404

11. GRANTS PAID

	2025	2024
	£	£
Palestine including Gaza
Jordan Hashemite Charity Organisation JHCO	–	183,089
Egyptian Red Crescent for Palestine	–	558,982
United Nations Relief Agency UNRWA	–	50,000
Egyptian Health Authority Hospital Project for Palestinians	137,099	390,665
Royal Hashemite Court	–	200,000
Palestinian Red Crescent Society	50,000	23,806
World Food Programme	77,465	–
Other countries
International Association for Relief and Development	126,007	–
LIA Relief Trust	110,000	–
African Development Trust	66,000	–
Voluntary Association for Rural Development	11,100	–
	577,671	1,406,542

In 2024 due to the crisis in Gaza the charity received donations for emergency funding and the trustees felt that the activities will be achieved most effectively by making grant payments to other organisations who have got established infrastructure to facilitate the charitable objectives.

30

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Notes to the Financial Statements (continued) Year ended 31 October 2025

12. NET INCOME

	2025	2024
	£	£
Net income is stated after charging/crediting:
Depreciation of tangible fxed assets	13,155	12,029
13. AUDITORS’ REMUNERATION
	2025	2024
	£	£
Fees payable for the audit of the fnancial statements	12,000	12,000

14. STAFF COSTS

The total staff costs and employee benefits for the reporting period are analysed as follows:

	2025	2024
	£	£
Wages and salaries	863,668	700,476
Social security costs	102,338	73,483
Employer contributions to pension plans	15,003	12,909
	981,009	786,868

The average head count of employees during the year was 24 (2024: 19). The average number of full-time equivalent employees during the year is analysed as follows:

	2025	2024
	No.	No.
Number of permanent staf	24	19

No employee received employee benefits of more than £60,000 during the year (2023: Nil).

31

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

15. RELATED PARTIES, TRUSTEE REMUNERATION AND EXPENSES

During the year Mr Abdul Razzaq Sajid, Trustee of the Charity, was paid remuneration of £58,300 (2024 – £58,300) for his services to the Charity. This remuneration is approved by the Charity Commission. Remuneration received by key management personnel during this year amounted to £145,000 (2024 - £149,083) including the Trustee Mr Sajid. None of the other Trustees have been paid any remuneration or received any other benefits during the year. Travel and related costs relating to charity work in respect of two Trustees amounting to £5,438 (2024 - £1,467) were paid by the Charity. Except for this and the disclosure in note 5, no related party transaction took place. No security or guarantee has been given and there is no receivable from or payable to any related party.

16. TANGIBLE FIXED ASSETS

	Freehold property £ Total £ Fixtures and fttings £	Freehold property £ Total £ Fixtures and fttings £
COST At 1 November 2024 Additions At 31 October 2025 DEPRECIATION At 1 November 2024 Charge for the year At 31 October 2025 CARRYING AMOUNT At 31 October 2025 At 31 October 2024	790,288 2,096,315 2,886,603 – – – 2,886,603 790,288	129,759 920,047 6,866 2,103,181 136,625 3,023,228 97,564 97,564 13,155 13,155 110,719 110,719 25,906 2,912,509 32,195 822,483

32

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

17. DEBTORS

	2025 2024 £ £
Trade debtors Other debtors	1,173,112 1,249,168 6,750 6,750 1,179,862 1,255,918

Trade debtors are gift aid receivables which were fully received after year end.

18. CREDITORS: Amounts falling due within one year

	2025 2024 £ £
Accruals and deferred income Social security and other taxes	17,548 8,552 22,170 19,251 39,718 27,803

19. Pensions and other post-retirement benefits Defined contribution plans

The amount recognised in income or expenditure as an expense in relation to defined contribution plans was £15,003 (2024: £12,909).

33

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

20. ANALYSIS OF CHARITABLE FUNDS

Unrestricted funds

1	At November 2024 £	At 31 October 2025 £ Expenditure £ Income £	At 31 October 2025 £ Expenditure £ Income £	At 31 October 2025 £ Expenditure £ Income £	At 31 October 2025 £ Expenditure £ Income £
General funds	5,177,212	2,581,646	(2,111,054)		5,647,804
1	At November 2023 £ At 31 October 2024 £ Expenditure £ Income £
General funds Restricted funds	4,581,164	2,798,236	(2,202,188) 5,177,212
At 1 November 2024 £		At 31 October 2025 £ Expenditure £ Income £
Interfaith & Culture 401,785 Poverty 1,646,535 Health & Education 1,430,651 Emergency & Disaster 584,970 4,063,941		1,225,326 1,753,298 2,953,064 2,117,471 8,049,159	(1,601,987) (1,706,964) (2,586,787) (2,017,159) (7,912,897)	25,124 1,692,869 1,796,928 685,282 4,200,203
At 1 November 2023 £		At 31 October 2024 £ Expenditure £ Income £
Interfaith & Culture Poverty Health & Education Emergency & Disaster	207,953 1,323,928 1,361,761 656,153 3,549,795	1,638,535 1,692,522 1,876,822 3,435,923 8,643,802	(1,444,703) (1,369,915) (1,807,932) (3,507,106) (8,129,656)	401,785 1,646,535 1,430,651 584,970 4,063,941

34

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee

Notes to the Financial Statements (continued) Year ended 31 October 2025

21. SUMMARY OF ASSETS AND LIABILITIES OF EACH CATEGORY OF FUNDS OF THE CHARITY

Unrestricted Funds 2025 £ Total Funds 2025 £ Restricted Funds 2025 £	Unrestricted Funds 2025 £ Total Funds 2025 £ Restricted Funds 2025 £	Unrestricted Funds 2025 £ Total Funds 2025 £ Restricted Funds 2025 £
Fixed Assets 2,912,509 – 2,912,509 Debtors 283,167 896,695 1,179,862 Cash at bank and in hand 2,460,072 3,335,282 5,795,354 Creditors (falling due within one year) (7,944) (31,774) (39,718) Net assets 5,647,804 4,200,203 9,848,007 Unrestricted funds 5,647,804 – 5,647,804 Restricted funds – 4,200,203 4,200,203 Total charity funds 5,647,804 4,200,203 9,848,007
Unrestricted Funds 2024 £ Total Funds 2024 £ Restricted Funds 2024 £
Fixed assets 822,483 Debtors 296,377 Cash at bank and in hand 4,063,913 Creditors (falling due within one year) (5,561) Net assets 5,177,212 Unrestricted funds 5,177,212 Restricted funds – Total charity funds 5,177,212	– 959,541 3,126,642 (22,242) 4,063,941 – 4,063,941 4,063,941	822,483 1,255,918 7,190,555 (27,803) 9,241,153 5,177,212 4,063,941 9,241,153

35

Al Mustafa Welfare Trust International Ltd Company Limited by Guarantee Notes to the Financial Statements (continued) Year ended 31 October 2025

22. GOVERNANCE COSTS

Unrestricted Funds £ Total Funds 2024 £ Total Funds 2025 £	Unrestricted Funds £ Total Funds 2024 £ Total Funds 2025 £	Unrestricted Funds £ Total Funds 2024 £ Total Funds 2025 £
Professional fees Audit fees Bank charges Depreciation	102,401 12,000 9,341 13,155 136,897	102,401 65,536 12,000 12,000 9,341 8,475 13,155 12,029 136,897 98,040

23. ANALYSIS OF CHANGES IN NET DEBT

	At	1	Nov 2024	Cash Flows	At 31 Oct 2025
			£	£	£
Cash at bank and in hand			7,190,555	(1,395,201)	5,795,354

36

We Couldn’t have dOne it Without you! tOgetHer We PerfOrmeD 278,112 Cataract Surgeries.

Al Mustafa Welfare Trust

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The Old Pumping Station, Pump Alley, Brentford TW8 0AP Charity Number: 1118492

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