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2025-03-31-accounts

CHARITY REGISTRATION NUMBER: 1119871

United Institutions Charitable Trust Unaudited Financial Statements

31 March 2025

HAFFNER HOFF LTD

Accountants 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

United Institutions Charitable Trust

Financial Statements

Year ended 31 March 2025

Page
Trustees' annual report 1
Independent examiner's report to the trustees 7
Statement of financial activities 8
Statement of financial position 9
Notes to the financial statements 10

United Institutions Charitable Trust

Trustees' Annual Report

Year ended 31 March 2025

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

Reference and administrative details
Registered charity name United Institutions Charitable Trust
Charity registration number 1119871
Principal office 6 Dellcot Close
Prestwich
Manchester
M25 0GX
The trustees
M E Fuerst
R Masar
O Toporowitch
Accountants Haffner Hoff Ltd
Accountants
2nd Floor - Parkgates
Bury New Road
Prestwich
Manchester
M25 0TL

- 1 -

United Institutions Charitable Trust

Trustees' Annual Report (continued)

Year ended 31 March 2025

Structure, governance and management

United Institutions Charitable Trust is constituted under a trust deed dated 07 June 2007. It is a registered charity with a charity number being 1119871.

Recruitment and appointment of new trustees would be in line with the trust deed and with the consent of the trustees. The criteria set for the suitable candidate would be someone who is sensitive to the needs and demands of the organisation.

There is no chief executive officer. The day to day affairs are undertaken by Mr M E Fuerst on behalf of the trustees. All major decisions are taken collectively by the trustees and all the trustees give of their time freely. The trustees are unpaid and details of any related party transactions are disclosed as applicable in the notes to the accounts. The arrangements for setting the pay of the charity’s employees are the sole domain of the trustees.

Risk review

The trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the trust, and are satisfied that systems are in place to manage our exposure to the major risks.

The risks faced by the trust relate to whether there is sufficient net investment income to enable grants to be paid out. However, the trustees can reduce grants in the unlikely event of a fall in investment income.

Risk management

The trustees are responsible for the management of the risks faced by the charity. A formal review of the charity's risk management processes is undertaken on an annual basis.

The key controls used by the charity include:

Through the risk management processes established for the charity, the trustees are satisfied that the major risks identified have been adequately mitigated where necessary. It is recognised that systems can only provide reasonable but not absolute assurance that major risks have been adequately managed.

- 2 -

United Institutions Charitable Trust

Trustees' Annual Report (continued)

Year ended 31 March 2025

Objectives and activities

The objects of the charity are:

(i) the advancement and furtherance of the orthodox Jewish religion and Jewish education and the alleviation of poverty among the Jewish community throughout the world.

(ii) The furtherance of such other objects that are exclusively charitable under the Law of England and Wales as the trustees may from time to time determine.

Public benefit

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit and in particular to its supplementary public benefit guidance on advancing education when reviewing the charity's aims and objectives and in planning future activities and setting grant making policy for the year.

Grant making policy

The charity has established its grant making policy to achieve its objects for the public benefit. The charity invites applications for funding through contacting local philanthropists to contribute towards projects that both the trustees and the philanthropists feel are appropriate for the charities objects.

The policy is to assist in the furtherance of Jewish education and religion, relieve poverty, and to alleviate hardship wherever possible. Each application and request is considered on its own merit.

The application of the funds by way of grants is to either institutions or individuals.

The trustees consider they have met the public benefit test and outline these achievements below.

The trustees measure the success of achieving the stated aims by the number and value of grants paid out for each object. The grants paid out in the year are detailed in the notes to the accounts and the trustees consider they have met their aims successfully this year.

The trustees consider the shorter term aims to be similar to the longer term aims and assess the achievement of the charity in the same way.

- 3 -

United Institutions Charitable Trust

Trustees' Annual Report (continued)

Year ended 31 March 2025

Achievements and performance

The charity received £36,420 (2024: £138,891) in donations during the year and paid out £86,887 (2024: £206,704) by way of direct charitable activities, grants and support costs that are in line with the objects of the charity.

The charity has loans owing from other charities and charged interest above market rate. Loan interest receivable came to £34,260. There is a further £20,918 (2024: £18,815) of income relating to a lease taken out by the charity to enable a synagogue to operate from those premises. The charity was able to sublet the upstairs part of the property to help the synagogue with the expenses of the rent.

During the year the trustees purchased an investment property for £550,000.

The charity has low governance costs comprising professional fees.

All other office costs are borne by a local benefactor and the trustees wish to record their appreciation to the benefactor for the free use of their offices.

There were no material fundraising costs during the year.

Related party transactions are disclosed as applicable in the notes to the accounts.

There was an overall net surplus and net movement of funds for the year amounting to £3,101 (2024: loss £71,883).

- 4 -

United Institutions Charitable Trust

Trustees' Annual Report (continued)

Year ended 31 March 2025

Financial review

Reserves policy

The unrestricted fund represents the unrestricted funds arising from past operating results.

The trustees are satisfied that the balance of the fund is an acceptable level of reserves given the nature of revenue receipts against grants payable.

In considering the financial obligations of the charity, the trustees have resolved to maintain a minimum reserve, being the current assets of the charity.

The trustees are delighted to have made many valuable contributions to the community as a result of this income and hope to be able to do so for many years to come.

The trustees feel that the activity reflects the profile and standing within the local community. The impact for future years' expenditure is self evident and the trustees would like to record their appreciation for all the financial support received from benefactors during the course of the year.

The free reserves, being net current assets, amounted to £988,740 (2023: (£278,466)), all of which are unrestricted. There are no material uncertainties about the charity's ability to continue for the forseeable future.

True and fair override

The financial statements have been prepared in accordance with the accounting policies set out in notes to the accounts and comply with the charities governing document, The Charities Act 2011 and the relevant version of 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).

Trustees' responsibilities statement

The trustees are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, of the charity for that period.

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

- 5 -

United Institutions Charitable Trust

Trustees' Annual Report (continued)

Year ended 31 March 2025

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 Charities (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.

The trustees' annual report was approved on 6 January 2026 and signed on behalf of the board of trustees by:

M E Fuerst Trustee

- 6 -

United Institutions Charitable Trust

Independent Examiner's Report to the Trustees of United Institutions Charitable Trust

Year ended 31 March 2025

I report to the trustees on my examination of the financial statements of United Institutions Charitable Trust ('the charity') for the year ended 31 March 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’).

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

Independent examiner's statement

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:

  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.

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.

Howard Schwalbe ACA Independent Examiner

2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

6 January 2026

- 7 -

United Institutions Charitable Trust

Statement of Financial Activities

Year ended 31 March 2025

2025 2025 2024
Unrestricted
funds Total funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 4 36,420 36,420 138,891
Charitable activities 5 20,918 20,918 18,815
Investment income 6 34,260 34,260 226,049
  
Total income 91,598 91,598 383,755
  
Expenditure
Expenditure on raising funds:
Investment management costs 7 1,610 1,610 248,934
Expenditure on charitable activities 8,9 86,887 86,887 206,704
  
Total expenditure 88,497 88,497 455,638
  
  
Net income/(expenditure) and net movement in funds 3,101 3,101 (71,883)
  
Reconciliation of funds
Total funds brought forward 933,357 933,357 1,005,240
  
Total funds carried forward 936,458 936,458 933,357
  

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 10 to 17 form part of these financial statements.

- 8 -

United Institutions Charitable Trust

Statement of Financial Position

31 March 2025

2025 2024
Note £ £ £
Fixed assets
Investment properties 550,000
Current assets
Debtors 16 437,624 702,670
Cash at bank and in hand 4,690 292,161
 
442,314 994,831
Creditors: amounts falling due within one year 17 5,073 6,091
 
Net current assets 437,241 988,740
 
Total assets less current liabilities 987,241 988,740
Creditors: amounts falling due after more than
one year 18 50,783 55,383
 
Net assets 936,458 933,357
 
Funds of the charity
Unrestricted funds:
Other unrestricted income funds 936,458 933,357
 
Total unrestricted funds 936,458 933,357
 
Total charity funds 19 936,458

933,357


These financial statements were approved by the board of trustees and authorised for issue on 6 January 2026, and are signed on behalf of the board by:

M E Fuerst Trustee

The notes on pages 10 to 17 form part of these financial statements.

- 9 -

United Institutions Charitable Trust

Notes to the Financial Statements

Year ended 31 March 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 6 Dellcot Close, Prestwich, Manchester, M25 0GX.

2. Statement of compliance

The accounts (financial statements) have been prepared in accordance with the relevant version of 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) and The Financial Reporting Standard applicable in the UK and the Republic of Ireland (FRS 102) and the Charities Act 2011 and UK Generally Accepted Accounting Practice.

The accounts (financial statements) have been prepared to give a 'true and fair' view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a 'true and fair' view. This departure has involved following the relevant version of 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) rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.

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.

Fair value

Debtors and creditors are stated at fair value.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements did not require management to make judgements, estimates or assumptions that affect the amounts reported.

Fund accounting

Unrestricted funds held by the charity are funds that can be used in accordance with the charitable objects at the discretion of the trustees.

- 10 -

United Institutions Charitable Trust

Notes to the Financial Statements (continued)

Year ended 31 March 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.

- 11 -

Notes to the Financial Statements (continued)

United Institutions Charitable Trust

Year ended 31 March 2025

3. Accounting policies (continued)

Investment property

Investment property is initially recorded at cost, which includes purchase price and any directly attributable expenditure.

Investment property is revalued to its fair value at each reporting date and any changes in fair value are recognised in income or expenditure.

If a reliable measure of fair value is no longer available for an item of investment property, it shall be transferred to tangible assets and treated as such until it is expected that fair value will be reliably measurable on an on-going basis.

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.

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.

- 12 -

United Institutions Charitable Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2025

4. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Donations
Donations 36,420 36,420 138,891 138,891
   
5. Charitable activities
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Rent receivable 20,918 20,918 18,815 18,815
   
6. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Income from investment properties 127,280 127,280
Other interest receivable 34,260 34,260 98,769 98,769
   
34,260 34,260 226,049 226,049
   
7. Investment management costs
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Management, professional and
insurance expense 27,655 27,655
Property repairs and maintenance
charges 11,638 11,638
Loan interest expense 1,610 1,610 68,003 68,003
Rates and utilities 141,638 141,638
   
1,610 1,610 248,934 248,934
   
8. Expenditure on charitable activities by fund type
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Charitable activity 83,715 83,715 204,201 204,201
Support costs 3,172 3,172 2,503 2,503
   
86,887

86,887

206,704

206,704


- 13 -

Notes to the Financial Statements (continued)

United Institutions Charitable Trust

Year ended 31 March 2025

9. Expenditure on charitable activities by activity type

Activities
undertaken Grant funding Total funds Total fund
directly of activities Support costs 2025 2024
£ £ £ £ £
Charitable activity 19,910 63,805 839 84,554 204,904
Governance costs 2,333 2,333 1,800
    
19,910 63,805 3,172 86,887 206,704
    
10. Analysis of support costs
Analysis of
support costs Total 2025 Total 2024
£ £ £
General office 839 839 703
Governance costs 1,800 1,800 1,800
  
2,639 2,639 2,503
  
11. Analysis of grants
2025 2024
£ £
Grants to institutions
Beis Hamedrash Shaarei Tefillah 4,500 6,700
Jewish Teachers Training College 6,450 4,500
MS Community Trust 8,000
New Track for Youth 16,800 29,888
The Josh Charitable Trust 5,000 4,000
Sunderland Jewish Boys Hostel and Talmudical College 4,000
Teshuvoh Tefilloh Tzedokoh 7,000
Yeshiva Gedola Nezer Hatorah 7,500 7,100
Grants Under £5000 12,055 20,435
 
60,305 83,623
Grants to individuals
Grants to individuals 3,500
 
Total grants 63,805 83,623
 
All grants paid were in accordance with the Charity objectives.
12. Independent examination fees
2025 2024
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,800 1,800
 
13. Staff costs

- 14 -

United Institutions Charitable Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2025

13. Staff costs (continued)

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).

14. Trustee remuneration and expenses

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

15. Investment properties

Investment
properties
£
Cost or valuation
At 1 April 2024
Additions 550,000

At 31 March 2025 550,000

Impairment
At 1 April 2024 and 31 March 2025
Carrying amount
At 31 March 2025 550,000

At 31 March 2024


All investments shown above are held at valuation.

Investment properties

The charity purchased an investment property for a consideration of £550,000. This was confirmed as fair value by a professional RICS valuation (LSH).

16. Debtors

2025 2024
£ £
Other debtors 437,624 702,670
 
17. Creditors: amounts falling due within one year
2025 2024
£ £
Accruals and deferred income 1,800 1,800
Social security and other taxes 1,018
Other creditors 3,273 3,273
 
5,073 6,091
 

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United Institutions Charitable Trust

Notes to the Financial Statements (continued)

Year ended 31 March 2025

18. Creditors: amounts falling due after more than one year

Bank loans and overdrafts

2025 2024
£ £
50,783

55,383


19. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At
At 31 March 202
1 April 2024 Income Expenditure Transfers 5
£ £ £ £ £
General funds 933,357 91,598 (88,497) 936,458
Revaluation reserve
    
933,357 91,598 (88,497) 936,458
    
At
At 31 March 202
1 April 2023 Income Expenditure Transfers 4
£ £ £ £ £
General funds 466,486 383,755 (455,638) 538,754 933,357
Revaluation reserve 538,754 (538,754)
    
1,005,240

383,755

(455,638)



933,357


20. Analysis of net assets between funds

Unrestricted Total Funds
Funds 2025
£ £
Investments 550,000 550,000
Current assets 442,314 442,314
Creditors less than 1 year (5,073) (5,073)
Creditors greater than 1 year (50,783) (50,783)
 
Net assets 936,458 936,458
 
Unrestricted Total Funds
Funds 2024
£ £
Investments
Current assets 994,831 994,831
Creditors less than 1 year (6,091) (6,091)
Creditors greater than 1 year (55,383) (55,383)
 
Net assets 933,357 933,357
 

- 16 -

Notes to the Financial Statements (continued)

United Institutions Charitable Trust

Year ended 31 March 2025

21. Related parties

M E Fuerst, trustee of United Institutions Charitable Trust, is also director of Longbranch Homes Limited. At the start of the year there was a loan of £19,928 owing to Longbranch Homes Limited. A commercial rate of interest was applied and the balance at the year end was £20,764.

22. Taxation

United Institutions Charitable Trust is a registered charity and therefore is not liable to income tax or corporation tax on income derived from its charitable activities, as it falls within the various exemptions available to registered charities.

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