REGISTERED COMPANY NUMBER: 06360309 (EDglAnd gnd Wales)
REGISTERED CHARITY NUMBER: 1121629
CIAL
ENDED
RIN
IF
OMPANY
NTEE

OADS CARING F
IFE LTD
NTENTS OF THE FINAN
STATEMEN
FOR TH
EAR ENDED 31 MA
H 2024
Page
Report of th¢ Trultees
Report of the Independent Audltgrs
Sta¢ement of Flnantl*l Artfvltl
Statement of Flnincl*l Posltlon
St*temen¢ of Cash Flows
12
Noles to the Statement of C*sh Flows
13
Notes to th4 Flnanelal Statements
14 to 22

CRO
AD
Rl
IFE LTD
REGISTERED NUMBER.
REPORT
FTHETR
FOR THE YEAR ENDED 31 MARCH 2
Th¢ trustc¢s who are also directors of the charity for the pur￿Se$ of the coM￿nItS Aci 2006. pre5cni iheir report ivith the
rinancial sthtements of the charity for th¢ yeJr ended 31 March 2024. The INstees have athpted the provisions of
Accountin8 and ReN)rting bv Charities: Stotemenl of Recommended Practice applicable to charilies preporing iheir oecounts
in accordance wilh the Financial Re￿rtIng Standard applicable in th¢ UK and Republic of Ireland (FRS 102) (etyeelive I
January 2019).
0￿ECTIVEs AND AcfiviTIES
Objectfves and Aims
We support vulnerable or disobled people, their carers. their lov¢dvon¢s and their n¢tworks Jnd wmmunilies to livc thcir
best lives.
We provide personal and holistic social care supwrt into people's home$ and also by proi'idin8 trnnsp)rt & supp)rt to access
Iheir communilies. W¢ do ihis 7 days & wcek. 365 days a year.
To ¢nhanc¢ our support ser4i¢¢. we recruit volunteers providin8 companionship lo isolaied people WFW) have no oihcr access
to services. As 01.3 Isl March 24. we h&ve 59 active volunteers 5UPPOrting 63 ¢lienl8.
As part ol. a 31-member partnership. we use iargeted campaigns. social mcdia. and p&nn¢rships lo rea¢h hidden ¢&r¢rs. By
collaboralin8 With community or8anisations and nclworks, Ive crcale accessible entrv points for individuals lo connect wilh
services and 8dvocale for unpaid carers.
We olso pmvide day opportunities ond group activities in our Stevenagc dov ccnlrc and through services oihcr local partners.
W¢ provid¢ services always a¢¢ordin8 10 nur i'olues: respe¢tful. resourceful. In151worthy. effective. and ¢orin8.
Publle beneflt
Thc Irusl¢e$ have complied with Iheir duty to have due rc8grd 10 Ihc 8uidanc¢ on public benefit published by Ihe Chorities
Commission in exercising Iheir KKI￿rS or duties. Our services arc proviilcd from a variety or rundin8 slrcam5. we seck to
add value by giving our lime. cncr8y and expertise to iniliativ¢s that benefit our clients and ihc communilies in which wc
Ivork.
Page I

ADS CARING FOR LIFE
TD
EGISTERED NUMBER:
ORT OF THE TRUSTEE
ENDED 31 MARCH 2024
FOR TH
STK4TECIC REPORT
Athltvement *nd perfornianee
Rtvkw of Activities and Athlevtmtnts
A¢tivttie$ within the year
In Ihe vear 2023-2024 we provided around 68.000 hours ol'support to vulnerable and disabled people. which is around 1300
hours of support every ivttk.
Around 113 of our seThi¢es are assistin8 people ivith daily living tllsks $u¢h as., medication. personal hy8iene. and n￿rItiOn.
The rcmainin8 213 are relaled services such as respite services or Carcrs Breaks. thich ensure thal carers have lime oui linm
their carin8 mle to engage in recreational or health aclivilies. For around 40V• ofthose visits our stolTivill assist vulnerable
and dI￿bled people to engage in Iheir own fullillin8 community a¢tiviti¢s such as sk&pping. visiling gardens. art a¢liviltes
¢.
We also provide DDY Centre services out of our Stevenage prcmises. Our volunt¢¢r s¢rviccs were very 8clive within the year
for more d¢tsilcd rcFKJrts on all thc clcmcnts ofour s¢r%'i¢¢s pl¢&s¢ ¢on¢a¢t us at.. infLY¢i'cros5road5hn.orB.uK.
Best Comp*nles Aw#rd
During ihe year we were privileged lo be r¢•8¢credited as one of the lop Companies to work for in Ihe UK. We achieved I Ith
sition in Ihc mid-sized charities seclion. We arc also recognised as a 2-slar outstanding or8Jnisalion.
This is the fourth year in succession ive have been cxlemullv recoBnised and accredited os a 8real ploce to ivork.
The rffovcry from thc Covid-19 Pandcmic continues to be slower than anlicipoted. Therc havc bccn conlinuin8 r¢cruitment
dirriculties which in turn h&$ slowed dowi 8mw¢h. Howcver. in thi5 financial year we received a significant pri¢¢ in¢rcu5C
from Hertfordshir¢ County Council ivhich enablcd us to achieve our lar8el of an operaiing surplus of £105k. There is a
onc-off e¥tra ordinary cosi £104k re8arding reslru¢turin8 costs for Ihi5 )¢ar resulting in an overall surplus £ I k.
Next Year's COAIS
We ivill be:
Tenderin8 for a lar8c Carcrs Break contract with Hertfordshir¢ County Council
Warkin8 wilh partners lo expand resources io support unpaid carers
Ensuring our & volunteer5 have Ihc best access to Learnin8 & Dcvclopmenl lo ensure the hi8hesl quality services.
Raising our vnice Mith partners & iiith our local nei8hbourhonds
Focussing on the geographical areas ive can sUPPOrt & e.xpandinB in those 8reiis.
Ensure our lundin8 resou￿¢8 arc divcrsified as possiblc & involve as much choice as p)ssible on behall'ol'elients,
Continuin8 our focus on recruiting high qunlity employees and explorin8 oiher opportunilies to secure employees.
Continuing io increase our shAre of th¢ Council respilc and home care business.
Workin8 to increase Ihe number of referrals fmm NHS
- WorLin8 10 tdum lo prior Pandemi¢ of growih in privale Home Care busines$.
Through all ihe above athlons. we anticipoie thai the Charity wll continue lo increase our SUTplus p)silion by the end of
March 2025.
Iryou ivould like to know mor¢ gbout our 8oa15 & 85pirgtions* pl¢&s¢ ¢onlg¢t us 4t:
infftK(jlcros5roadshn.org.uk.
Our Values
We continue lo ensure ive meet our values ivhich ar¢:
Respectful
Rcsourceful
TrUst￿rthV
E(Tective
Caring
Page 2

OADS CARING FOR
IF
LTD
REGISTERED N
MB
REPORT
FTHE
OR THE YEAR ENDED31 M
ES
024
STRATEGIC REPORT
Fln*ntl*l rtvlew
The recovcrv fmm the Covid-19 Pandemic continues lo be slower than anlicipaied. There have been continuing recruitment
difticulties which in tum has sloived down growth. Hoivev¢r. in Ihts linancial year we received a signifi¢anl price increase
from Hcrtfordshirc County Council i%thich enabled us (o achicve our largel of an operating surplus of £105k. There is a
onwlTcxlTa ordlnary cosl £104k regardin8 resinirfurin8 cosls lor Ihis ycar resulting in an overall surplus £1 k.
There is a list of donors. supporters. and grant givcr5 in ihe accounls. and w¢ are profoundly 8r4tcful on behalf ol. unpaid
corers bear heavy re5p)nsibilitics on bchalf of those thev care for.
Every slngle penny ofev¢ry donalion ive receive goes towards the services we subsldise ihmugh our aclivilies for the carer
cornmunitics In Which Mf ivork such as unlunded emergency resFx)n8es.
We contlnue tr) m¢¢t our res¢rv¢s IAr8¢tS ond enjoy an excell¢ni delxor r*iio.
Rt$trveJ Pollcy
The organislliion's reserves w)Ii¢y is lo r¢tsin sulTi¢ienl reserves lo m￿3 all ils obligations in ihc event of an orderly wind
up. Our reserv¢$ p$lllon is £308,752. This equaies 10 I l Mtek$ of runnin8 costs )nd 1$ above ihe level required to mccl oll
our obll8alions.
Inv¢stment Pollry
In occordance wlth ihe Mcmorandum and Articles of Associalion the b)ard mov invesl the monies of the or8anisalion nol
immediately required for its PUryK>ses in suitsble low risk investments.
Long tem Fln•ntl•l P•sllloA
The or8antsation's lon8 icm financial fOr￿a$1 indica(es a coniinuing sl4ble ￿SitIOn wilh opportunilics for Bro￿h and an
in¢r¢aK in demand for 3crvices ihrou8h incrcasc in scrviccs from local auihority and privale clients. This is dependent on ihc
bilitv lo Lonlinuc lo rccruit and m¢el 8CO8raphical challcn8es.
STRUCTURE, GOVERNANCE AND MANAGEMENT
Governlng documen¢
Crossrogds Caring for Life Ltd is a company limited by guarnniee govcmed by its Governin8 documents. It is registered as
charity wilh Ihe Charities Comrnis8ion. Anyone over ihe agc of18 can apply 10 be a member of Ihe Board of Trustees of Ihe
¢hgrity. Trustee5 also Cornpany Dir￿1014 in Ihc cvcnt of thc cornpanv b¢ln8 ivound up mcrnbcrs are eli8ible lo be
considered for Limited Liability and lh¢ Charity reiain8 insurnn¢¢ against Trustee liability.
OryanlsAtlon*l strneture
Crossroads Carin8 for Life Lid is a chAritable company, limited by 8uaranlce. The charitable company is Tun by The Board
of Trustees (the Board). itho met four limes in Ihc 2024-year cnd. The mceting5 Mrre led by Ihc Board. and Were a150 atlend
by Ihe Eieculive Team, ivhich is wmprised of the Registered Manager. the Financial Controller, and the Humwi Resources
& Recruitmeni Manager. who deal wilh the dav ￿ day running ol'ihc charity.
Indpc¢lon *nd trnlnlng of new trn8t¢es
When new TTUSlees are appoinled- they are inducied and embedded in Ihe Charity. Ihcy may comc with personal expcrience
of being a Carer andlor relevani local knoiiledge and business skills. In this financial vear we coniinued io meci monthly io
rcvicw financials and perforn)ance. Main Bo8rd meelings ore held 8¢nerally quarterly. A Bollrd rotation p)licy is in place in
mpliance WEih the Charitv Governance Code 2017.
Relgted pArties
Related party transactions have been disclosed in Ihe Not¢s to the Fingncial Statemcnts.
J Colman proi'idd rKruitm¢ni s¢rvices in the sum of £2.328.60.
Page 3

CRO
CARING FOR LIFE
REGISTERED N
REP
FOR THE YE
OF THETRU
TEE
R ENDED 31 MARCH 2024
STRUCTURE. GOVERNANCE AND MANAGEMENT
Risk m*n#gtmtnt
The Board ¢onsiders major risks lo which the ¢harily is exwscd at Board mcetin8s. The risk regisler is r¢vi¢ived regularly
by the cxeculive leam. Where approprialc. actions are idcnlilicd to mitl8ale the risks the charily laces.
Every ¢arcr and cared lor person arc 955CS5ed lor risk and stafl'are Iraincd in Moving and Positioning. Aduli Personal Care.
Health and Safely, Fire Risks. Safe8uardin8 Adults and Personal Safclv amongst others. All sttsff workin8 14'ith vulnerable
person8 are enhanced Disclosure and Barring Sen'ice checked. Our Business Continuity Plan Wds reviewed in ihe year and is
tn place for any ￿tential crises or incidents.
We &lso conlinue lo bc covered throu8h our charitv insurnn¢e partner. Additionol cov¢rs have extended protection for Cyber
security & other risks with comprehensive cmployers. publi¢ liabiliiy, trustee liability and oifice ¢ontents insurance.
REFERENCE AND ADMINISTRATIVE DETAILS
Reglstered Company number
06360309 (England and Woles)
Regllttred Charlty number
1121629
Rezlst¢r¢d •fflt¢
Suite 20, Inie¢h House
Wilbury Wgy
Hilchin
Hcrlford5hire
SG4 OTW
Tru$tee$
Jeremy Colman
Graham Horne
Justin Jewiti
Bob Fee
PetLY Dully
Vivien Kerr
Frascr Hill
(Chair)
(Treasurer)
Complny secretary
Alison Paice
Audltort
Bradshaw Johnson
Chartcred Accounlants
Siatuiory Auditor
Crofi Chambers
I l BancTofl
Hitchin
Hertfordshire
S(i5 IJQ
Pagc 4

SROAD
ARI
G FOR LIF
REGISTER
UMBER:
EPORT
E TRUSTEE
FOR THE Y
R ENDED31 M
RCH 2024
REFERENCE AND ADMINISTRATIVE DETAILS
Bankers
CAF Bank
25 Kings Hill Avenue
Kings Hill
West Malling
Kenl
ME19 4JQ
STATEMENT OF TRUSTEES, RESPONSIBILITIES
The Irusiees (itho Jre also the directors of Crossroads Caring for Life Lid for Ihe purpo$es of ¢ompany lawl ar¢ r¢swnsible
lor prcparin8 the Rel￿rt of the Trustees and Ihc financial stat¢m¢nts in accordance with applicablc law and United Kingdom
Accounling Standards (Uniled Kingdom Generally Accepted Accounting Practice) includin8 Financial Re￿rtIng Standard
102 "Thc Financial Re￿)rting Stgndard applicable in lh¢ I IK and Republic ol'lreland"
Company law requircs thc Irustces to prepare linancial slalcmenls lor each linancial ycar which give a true and fair view or
the 5tste of affairs of th¢ ¢h8ritable company and of ihe incomin8 resources and applicalian of resources. includin8 Ihc
income and ex￿ndI¢vre, of the charitable compnnv fnr thal period. In prepJrin8 those finoncial ststements, thc truslccs are
r¢quired io
select suilable occountin8 poli¢i¢s and Ihen apply ihem consislenily:
observe the meihods and principlcs in Ihe Chorilv SORP:
make jud8¢mcnts and estimo1¢s thot ure wasongble and prudenl:
sialc ivheihcr applicable occountin8 slJndards have bcen followed. subj¢¢t to onv maierial dcpartures disclos¢d ond
explained in the financial statcments:
prepore the financial stst¢m¢nts on Ihc 8oinB concem bosis unleu it is inappropriole to presume Ihat Ihe charilable
company will ¢ontinuc in busines5.
Thc trustees are rup)nsible for kceping proper accounting records which disclose with reasonable accuracy al any time the
finoncial position of the charitable companv and tn enable them to ensure thul the financiol staiemenis Comply with ihe
Companies Act 2006. They arc olso responsible for sofc8ufjrdin8 the assets of th¢ Charitable company and h¢n￿ for tJkin8
reasongble sleps for the pr¢veniion and deittiion of fraud and oiher irre8ulariiies,
In so for as the Irus(ees are owor¢'.
there is no relcvanl audit inforniglion of which the charilablc compony's auditors are unaware; and
Ihe Irustee5 have taken all steps that they ou8hl lo havc thken lo make themselves awar¢ of any relevanl audil infomiation
and lo cslablish Ihat the auditors are amare ofihal infonnation.
AUDITOILS
The audiiof3. Bradshaw Johnson Chartered Accounlanls. Ivill be prowsed for re-apwintment at the forthcoming Annual
Gcneral Meeting.
Rep)n
ees. incorporaling a strategic rewTrrl, approved by order of the board of trustees, as th¢ ¢ompany dir¢thors.
. and si8ned on Ihe boards bchall-by..
- TTUStee
Pagc 5

REPORT OF
DEPENDE]YT
SSROADS
RSTOTHET
FOR LIFE LTD
ESOF
Opinion
Wc have audited the financial statements of Cn)ssroads Caring for Life Ltd (the 'charitable company.) for ihe year ended
31 Marth 2024 which comprise the Statement of Financial Activilies. Ihe Slalemenl of Financial Position. the Statement of
Cash Flows and rKsles io the financial sthtement& including o summarv of significant accounting ￿1]1¢}¢5. The financial
r¢porting frdmework that has been applied in their PTeparnlion is applieable law and United Kingdom Accounting Standar
(United Kingdom Generallv Accepted Accountin8 Practice). including Financial Re￿)rtIng Stsndard 102 'The Financial
Re￿Irling Standard Jpplicable in the IJK and Republic of Ireland,.
In our opinion lh¢ financial statemcnts..
give a true and fair view of the slate of ihe charilable company's alTalrs as at 31 March 2024 and of its inwmin8 resources
and application of resources. includin8 its income and txpendilur¢. lor the year ihen ended;
huve been properly prepared in accordance iviih i Inlted Kingdom Genernlly Accepted A¢¢ountin8 Praclice. including
Financial Reporting Siandard 102 The Financial Reporting Siandord applicable in the UK and Republic of Ireland ond
have been prepared in accordance ivlth Ihe rcquirements of ihe Companies Act 2006.
Blsls for oplnlon
We conduclcd our audil in accordance wlth Iniernatlonal Siandard.s on Auditin8 (UK) (ISAS IUK)) and applicable law. Our
r¢s￿nSibIlitIeS under those slondard5 arc furthcr described in th¢ Auditors. rcspon5ibilities for the oudi¢ of the finoncial
statements se¢lion of our rcport. We are independenl of Ihe charilable company in accordance with the ethi¢al requirements
Ihat are relevani lo our audit of the financial siaierncnls in ihe IIK, including the FRC5 Ethical Standard, and we have
liiifilled our other eihical resp)nsibilities in accordan¢¢ ￿lih ihcsc requiremenls. We believc that the audit evidenc¢ we have
obiained is sutTi¢ient ond appmpriate to provide a basis for our opinion,
ContluJloa• rela¢lng to goln8 toaetrn
In auditing ihe financial slaiements. have concluded thot the tru.sie¢s' u8¢ of the 80in8 concern bllqiq of J¢¢ounlin8 in Ihe
preparnlion of the finan¢ial stjtements is appropriatc.
Based on the work we hav¢ perfomed, we have noi idenlified any mat¢rial uncertainties relotin81o evenls or conditions thai.
]r￿li,1duajIY or collectively. may cast si8nificani doubl on the charilablc eompanv's obilitv lo continue as a 80in8 concern lor
a period of Al I￿st twelve months from when Ihe financial statements aulhorised for issue.
Our reS￿nsibIli11￿ and ihc responsibililies of lh¢ Iruslcc5 wilh rcspccl Io 8oin8 ¢on¢¢rn arc described in the Jrl¢v8nt
Sfftion5 of Ihis re￿rt.
Other Inforniatlon
The Iruslces Jrc respx)nsible for thc other inforniption. The other infomiation comprises the inf0rn18tion includ¢d in the
Annuol Rep()rL oih¢r than the financial stalcmenls and our R¢w)rt of ihc Independent Auditors thereon.
Our opinion on the finoncial slatem¢nts does noi cover ihe other infomiation and, except to ihe extent otherwise expllclily
stated in our rewrt, ￿ do not ¢xprcss any forn) of *ssuran¢¢ ¢on¢lu5ion thereon.
In ￿nn￿lion iviih our audit of th¢ financial Slalcmcnl& our responsibility is to reud Ihe nlher infornialion and. in doing so.
consider wheiher Ihe other infonnotion is materiolly inconsislenl wilh Ihc financial statements or our knowlcdge obtained in
the audit or otherwi5c appears lo be materially rnisstated. Ir we identify such material inconsistencies or apparenl material
misstatements. we are required lo detern1ine wheiher Ihis gives risc lo a material Miss￿lement in the financial statements
thcmselves. If. based on the work we have perfOrn￿d. we wncludc that there is a material mis81alement of this oiher
infornwtion. are ￿quired lo r¢p)rt that fa￿. We huve n(Trihing to rewrt in ihis rcgard.
Matters on whlth we are rtqulrtd to rnport by exceptlon
We havc nothing to report in respect of Ihe follo￿￿n8 mailers Mthere Ihe Chariiies {A¢counts and Rewrts) Regulations 2008
requircs us to report to vou if. in our npinion:
the infomialion giN'en in Ihe Report ofthe Truste¢s 1$ in¢onsi51¢nt in any rnalerial respect with the finan¢ipl stsi¢ments: or
the charitable company has not kepl adequate accnunling rcwrds- or
the linancial 8t9tements are not in agreement wilh ihe accountin8 wwrds and return8. or
Ive have noi rrf¢ivcd all the infonn8lion and explanalions ive require for our audit.
Page 6

T OF THE INDEPEND
AUDITORS TO THE T
DS CARING FOR L
TD
EES OF
Re5ponslbili¢les of trusttts
As e.xplained more fully in the Ststement of Trustees, Responsibilities. the trnsiees (who are also ihe direthors of the
charitable company for Ihc pUT￿SeS of company lam.) are responsible for the pr¢paration of ihe financial slatements and for
being satlsfied thal they give a Iruc and fair view. and for such internal control as the trusiee5 delerniine is necessary to
enable the preparalion of financiDI slotemenls that are frce from material misstsilemenl. ivh¢thcr du¢ lo frnud or erroT.
In preparing ihe financial statements, the trustees are responsible for o&%essin8 the charithble companv's abilitv to continue &8
a soin8 ¢on¢em. disclosing, as applicable. matters related to going concern and using the 80ing concern basis ol. a¢¢ounlin8
unless the trustees eiiher In￿nd to liquidatc the charitable companv or ￿ cease operations. or have no realislic allernalive b
lo do so.
Our responslbllltles for the Audlt of tht flnancl*l statements
We have been apwinled as auditors under Section 144 of the Choritics Act 201 J and report in aecorthnc¢ wilh thc Ad and
levanl regulations made or having elTect thereunder.
Our objeclives are to obtsin reasonable a8surance #bout thether the financial statements as a whole are tre¢ from malerial
misstaiemenl, whether due to fraud or ernir, and lo issuc o Repx)rt of the Independent Auditors ihat includes our opinion.
Reasonable assurance is a high level ol. a55urdnce. bui is not a guarantee Ihal an audit conducied in ac¢ordan¢e wilh ISAS
(UK) Ivill always dclcct a material misstatement ￿'hen il exist5. Misslalcments can arise from fraud or error and are
considered malcrial if. individually or in the aBgregale. they could rca.8onably bc cxp¢cled lo inlluence the e¢onomic
dccisions ofusers laken on the basis of ih¢sc fin8nclal statements.
The extent io iyhich our procedures are capable of detecting iTrc8ulariti¢s, includin8 fraud is detailed beloiv:
We considcred the nature of ihe Charitable Company's scctor and its control envift)nment. and rcvieived the Ch&riloble
Company's documenlalion of their p)licies and procedure8 relaiin8 to fraud and compliance with la￿5 and regulations. We
also enquircd of management about their own idcnlificalion and #55essmcnt of the risk$ of irre8ularilies.
We obtoined an undcrslanding of the1¢881 and re8ulotoN framework thai the Charilable Company operates in. and idenlified
the kev laws and regulations that..
had a direth effed on the deterniinalion of mat¢rial amounts and disclosures in the ftnancial ststemenls, These included
guidance from the UK Companics Act. Ihe Care Qualily Commission. and Charity Commission; and
do noi havc a direct effect on Ihc finonci81 ststements bul compliance ivith ivhi¢h May be fundamentsl to the Charitable
Company's abililv lo operate or lo avoid a material penaliv.
We discussed umng thc audil cngagemcnl leam including relcvant internal spe¢ialis15 such as lax specialists regarding the
opportunilies and incentives ihat mav exist wiihin the organisalion for frnud and how and where fraud might occur in the
finttnciol statements.
In common wrth all audits under ISAS IUK), we are )Iso required to perforni specific procedures lo respond io (he risk of
management override. In addr¢ssin8 Ihc risk of fraud ihrough m8n88ement oveffidc of controls. we tested ih¢
appmpriateness of journal enlries ond other adjustments. assessed thcther the judgemenls made in mokin8 accounting
eslimales are inditative of a potenlial bigs: and evaluated the busin¢ss rational¢ of any si8nificant Iransaclions ihal #r¢
unusual or outside lh¢ noThal course of busines5.
Page 7

REP
THE INDEPE
T AUDITO
RO
ADS CARIi¥
TRUSTEE
IFE LTD
In addition io the atM)ve, our procedures to respond ￿ the risks identified included the following:
reviewing financial statemenl disclosures by testing lo supporting documenlation to &ssess Compliance with pn)visions of
rclevani laivs and regulations described as having a direct etr¢cl on thc financial statemenls.
perforniing analytical procedures to identify any unusual or unexpe¢ied relationships that may indicaie risks of material
misstatement due to fraud:
- enquiring of mana8ement concerning actual and wtential liligation and claims. and instanccs of non-cornpliance with laws
and regulations; and
reading minutes of meetings of those charged with governance. and reviewing
¢orrespondence wilh HMRC.
A further d¢scription of our responsibilities for Ihe audit of the financigl sla(emenis is locaied on ihe Financial Re￿rtIng
Council's website al Mww.fr¢.or8,uklaUditorsres￿nslbI1iti¢S. This d¢￿T1P110n fornis part of our Rewtrrt of the Ind¢p¢ndenl
Audilors.
Use of our report
This reFK)rl 15 mad¢ solely lo the charitable ¢ompany's trustees. as a i￿. In accordance iviih Part 4 of ihe Charities
IAcrounts and Reports) Rcgulutions 2008. Our audit work h45 bccn undertoken so that we mi8ht slole lo ihe ¢harilable
compan) 5 Iruslecs ihose mallers w¢ orc required lo stsle lo Ihem in an auditors, rewrt and foT no olher purp)se. To the
fullesl exlent permitlcd bv laiv, we do nol occept or assume res￿nSibili￿ to anyone other than ihe ¢hariwbl¢ companv and
Ihc charilable company's Irusl¢e5 a5 a body. lor our audil work. for this rcport. or for th¢ opinions ive have fornied.
for and on behalf of Brodshaw Johnson
Chartered Accounlanls
Ststutory Auditor
Eligible io act as an auditor in lerni$ ol. Section 1212 of Ihc Companies Act 2006
Croft Chambers
I l Bancroll
Hilchin
Hertlord8hire
SG5 IJQ
Dale..
4--11-IF
Page 8

CRO
SRO
ARING FOR LIFE LT
STATEMENT OF FINANCIAL A
TIVITIES
RATING AN INCOME AND EXPENDITURE A
FOR THE YEAR
DED 31 MARCH 2024
NT
31.3.24
Tothl
funds
31.3.23
Tolai
fund5
Unrestricted
fvnd
Remricled
funds
Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
10.665
10.665
5.512
Charliabk Attfvltlts
Car¢rs Support Services
Day ¢enire
.782,202
55.047
54,482
1.836.684
55.047
,837,472
53.688
Investment income
Other income
6.604
6.604
2.118
12.189
Tot*1
1.854.518
54.482
1.909.000
1.910.979
EXPENDITURE ON
Ch*rlt•bl¢ gctlvltles
CJrcrs Supwrl Services
Day centre
Reslrucluring ¢osls
1.740.870
8.2fiO
104,480
54.482
,795,352
8.21KI
104.480
2,103,665
3.700
Total
1,853.550
54.482
1.908,032
2.107,365
NET INCOMEI{EXPENDITURE)
968
968
(196.386)
RECONCILIATION OF FUNDS
Totsl funds brou8h( forward
307.784
307.784
504.170
TOTAL FUNI)S CARRIED FORWARD
301.752
308.752
307.784
The notes forni part of ihese financial sialcmenls
Pagc 9

CRO
ROAD
RING F
LIFE LT
REGIST
ED NUMB
09
TA
MENT
F FINAN
31 MAR
H 2024
POSITI
31.3.24
Total
fund5
31.3.23
Tolal
runds
Unr¢slricted
fund
Re￿ncl¢d
funds
Notes
FIXED ASSETS
Tangiblc asseis
15
1.313
1.313
2.643
CURRENT ASSETS
Debtor5
Cash at bank and in hand
16
208.869
249,227
208.869
249.227
163.294
343,704
458,096
458,096
506,998
CREDITORS
Amounls fallin8 due within one year
17
(150.657)
(1 50.657)
1201.857)
NET CURRENT ASSETS
307.439
307.439
305.141
TOTAL ASSETS LESS CURRENT
LIABILITIES
308.752
308,752
307.784
NET ASSETS
308,752
308,752
307,784
FUNDS
Unrestricted funds
19
308.752
307.784
TOTAL FUNDS
308.752
307.784
The Charitable company is entilled to exempiion from audit under Sedion 477 of the Companies A¢1 2006 for the year ¢nded
31 March 2024.
Th¢ mcmbers have nol deFrf)siled notice. pursuant lo Scciion 476 of the Companies Aei 2006 requirin8 an audil of ihc8e
financial slatements.
The Iruslecs acknowledge iheir resw)nsibilili¢5 for
(a)
¢nsurin8 that the chtsrilgblc compony keeps ncrountin8 record.s thtsi wmpl). with Section8 386 ond 387 of Ihc
Companic5 Act 2006 and
prcparing financiol 51alements which 8ive a true and fair view of thc slalc of alTairs of thc charitable company os at
Ihe end of each financial yegr and of ils surplus or d¢fi¢11 for cach financial year in accordance with the rcquiremenis
of Scctions 394 and 395 and Mhich oth¢nvise comply with the requiremenls of the Compani¢5 Act 2006 relalin8 10
financi41 statements. so far as applicable lo the charitable company.
(b)
These financial staiements have been audiled under the rcquircments of Seclion 145 of the Charities Act 2011.
The financiol staiemenis wcrc approved bv the Board of Trustees and auihorisd for issuc on
and sign¢d on its behalf by:
The notes fomi part of the￿ fin)n¢lal .sthtemenL$
Page 10
rxfyntinued...

CROSSROADS
RING FOR LIF
TD
REGISTER
D NUMBER:
STATEMENT
INANCIAL P
RCH 2024
IT
ON- eontlnue
colb
G R Horne- Trustee
The not￿ form part ofthcse financlal siat¢ments
Pagcll

OAD
ARING FOR
IFE LTD
STATEMENT
F CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2024
31.3.24
31.3.23
Noles
Ca$b flows frorn optrltlng *etivities
Cash generated from operations
Intcrest paid
(97,051)
(2,792)
(225,669)
(3.492)
Ncl cash u5cd in operaling uclivities
199,8431
(229,161)
Cash flows from Invesdng actfvltl¢$
Purchuse of ian8ibl¢ fixed assets
Inieresi received
(1,238)
6.61M
2.118
Net ¢ash provided by inv¢vin8 aclivities
5,366
2.118
Change In e*sb And c*$h equfvAlents In the
reporting perlod
Cash and ¢ash equlv•lents a¢ the beglnnlng
of tht reportlng perlod
194.477)
1227.043)
343.704
570,747
C*sh and c*sh tqulv*lents at lh¢ end of the
reportlni perlod
249,227
343,704
The notes forni pari ofthese financial slalements
Page 12

OSSR
DSCA
NGFO
IFE LTD
NOT
TOTH
STATEM
NTOF
FOR THE YE
R ENDED 31 MAR
SHF
H 2024
ws
RECONCILIA TION OF NET INCOMEI(EXPENDITURE) TO NET CASH FLOW FROM OPERATING
AcfiviTIES
31.3.24
31.3.23
Net Ineomellexpendltsrt) for the Mportlng perlod (Is ptr the Slatemtnt
of Flnanclal Attfvl¢ks)
Adjuslments for:
Deprcciation char8es
Interesi received
Inlerest paid
Increase in dcbiors
Decrease in crcdilors
968
1196,386)
2,568
{6,604)
2,792
(45.575)
(51.200)
9.309
(2.118}
3.492
(25.831)
(14.135)
Net eajh In oper*tlonJ
197.051)
(225.6691
ANALYSIS OF CHANGES li¥ NET FUNDS
Al 1.4.23
Cash flow
At 31.3.24
Net cash
Cash at bank and in hand
343,704
(94,477)
249,227
343.704
(94,477)
249.227
Total
343.704
{94,477)
249,227
The notes forni port of these financial statements
Page 13

CR
OAD
RING FOR
ELTD
NOTE
THE FIN
CIAL
THE YEA
ENDED
TA
MENT
RCH 2024
STATEMENT OF COMPLIANCE
Crossroads Caring For Life Ltd is a charitable company incorpornted in En8land. The r¢8islered oifice is:
Suite 20
Inleeh House
Wilbury Way
Hilchin
Hertfordshire
SG4 OTW
The charilable company's financiul ststemcnts havc been prepared in compliance with Charilics SORP (FRS 102) as
il applies lo the financial statements for Ihe year ended 31 March 2024.
ACCOUNTING POLICIES
Bos1J of prep•rlni the flnAntl*l s¢*tements
The financial slalements of th¢ charitable company. which is a public benefit entity under FRS 102. have been
preparcd in accordance with thc Charities SORP (FRS 102> 'Accounlin8 and Reporting by Charities., Sthtement of
Recommended Practice applicable to charities prcparing their accounts in accordance with the Financial RekKfrrtin8
Standard opplicable in the UK and Republic of Irelond {FRS 102) (effective l Jonuory 2019),. Financial Rep)rting
Standard 102 'Thc Financial Rcportins Standard applicable in the UK and Rcpubli¢ of Ircland, and the Companies
Act 2006. The finoncial stoiements have bcen preparcd under Ihe htslorical cost convention.
The finan¢ial staiemcnts ar¢ prep4red in slerlin8.
After making enquiries, the Irusices have a rcasonablc eXP￿18110n ihat the charity has adequole resources to continue
tts Othivilics for the foreseeablc future. A¢¢ordin8ly. they conlinu¢ lo gdopl Ihe going Concern basis in preparing th¢
rinancial stslements 4$ ouilincd in the Stol¢menl of Trustee5 Rc5ponsibilities on po8c 5.
Crossroads C4rin8 for Life Ltd meets Ihe definilion of a public entitv under FRS 102.
Income
All inwme is recogniscd in thc Statetr*nl of Financial Aclivilies once the charily has enlitlemenl lo the fun(L* it 1$
probable Ihai Ihe in¢omc ivill be received and ihe amounl can be measured reliablv.
Income is deferred ivhen monies have been received in adv4nce of a serrfice bein8 rendered. The deferred income 1%
r¢leased at the p)inl when the sen'ice h&8 been rendered.
Expendlture
Liabililies are recognised as expenditure 85 SOC*n as iherc is a legal or constructive C*bliggtion committing ihe charity
lo that expendilure. it is probable that a Iransler ol-economic benelits will be required in setilemeni and the amouni
of Ihe obligation Can be mcasurcd reliably. Cxpcndilure is accounied for on an a¢¢ruals basis And has bcen classified
under headings that aggregate all cosl relalcd lo the ¢aie80ry. Where co￿$ connol bc directly aiiribuled lo parliculor
headings they have been allocated to aclivilies on a bllsis consistent with the use of rcsDurccs.
Irrecoverable VAT is char8cd agairtsi the expcndilure he￿Ing for which il iyos incurred.
Tinglble Ilxed Asstts
Depreciation is provided at the toll0￿￿n8 annual rates in ord¢Y lo write oft-each asset over its C5timated useful lile.
Fixlures and filtings
25010 on cost
Computcr equipment
33•/0 on ¢osl
Minor addilions of le￿ than £250 are not capilalised.
Page 14
ntinu¢d...

SSROA
S CARI
G FOR LIF
LTD
TESTOT
E FINA
CIAL
FOR THE YEAR ENDED
TEMEN
IMAR
con
H 2024
ACCOUNTING POLICIES- ¢ontSnued
Taxation
The charilv is eyernpt from corporntion tsx on its choritoble acliviti¢s.
Fund aceountlng
Unrestricted fund5 can be used in accordance the chaTitsble objeclll'es al the dlgcretlon ol-the tru51e&s.
Re51ricled funds can only be used lor parti¢ular reslricled purposes withln the objects ol. the charlty. R&qtrictlons
arise when specified by ihe dDnor or when funds are raised for particular restricted purposes.
Further explanation of ihe natur¢ and purpse of each fund is included In the noles to th¢ financial stai¢menls.
Penslon ¢osts and oth¢r post-retlrtment btnellts
Th¢ charilablc company operutes o d¢fined contribution pen37on scheme. Contrlbu¢ions pavable to the chorliable
company's pension schemt are ¢har8ed ID the Statcment of Fingncial Activities in ihe period to ivhich Ihcv r¢lal¢.
Any liabiliiy or expense are jllocaled ￿ unr¢siriclcd and re$triclcd funds on the spmc basis u other cmployee•relaied
cosls.
Donated servlees and f*¢lll¢les
Donaled servi¢¢s ar¢ recognised as income when thc receipl of ￿onoMiC benefit from the use by the ¢harity is
probable and can be measured reliablv.
trfal stAtu$ of the ehlrlty
The Charity is a company lirntted by guarantee and has no share capilal. Thc liability ot'¢a¢h member in the event ot
windin8-up is limited lo £5 per member of Ihc charity.
Debtors
Trdde and other debiors are recognis¢d at the seitlemenl amount due after any trnde discount ollercd. Prepaymcnts
are v8lued al the amount prcpaid net ofllnv trade discounts du¢.
C4$h It bink Ind In hand
Cash at bank and ¢ash in hand includes ¢ash and 8hort lerni highly liquid investmcnts with a short maturity of ihree
months or Icss from the dat¢ of acquisition or op¢ninB of the deposit or Similar account.
Credltors and proylslons
Creditors and provisions are rcco8nised Mthere lh¢ charity h&s o PT¢senl obligation rcsuliing from a past event Ihat
will probably result in lh¢ Iransfcr of funds to 8 ihird party and the amount duc lo settle the obligatinn can be
Mea.sU￿d or estimated reliably. Crcdilors and provisions are nornially re¢o8niscd at their scltlemenl amount after
alloiving for any trade discounls due.
Flnantlal Instruments
The irusi only has financial &sseLS ond financiol liabililies of a kind that qualify as basic financial instrurncnls. Basie
financial instNmenis are initially recogniscd at Irllnsaction value and sub5cquenily measurcd at their settl¢mcnl value
7th the ex¢¢plion of bank loans iYhi¢h are 5ubscquentlv mr￿ur¢d al amortised cos1 u5in8 the erfectivr intcresl
rndhod.
Puse 15
continued...

CRO
DS CARIN
OR LIFE LTD
OTES TO TH
INA]YCIAL
FOR THE YEAR ENDED
TEMENT
I MARCH 2024
ntlmu
DONATIONS AND LEGACIES
31.3.24
31.3.23
Donations and grants
10.665
5.512
The charity is grateful to Stevenage Bomugh Council lor donating the ofthe Day Cenlre. The value of ihe r¢nl in
kind is £8,200 (2023 - £3,700). The voluc of this service is reco8nised within incorne os a th)naiion ond an equivalenl
charge within Day Cenire direcl costs.
Grants rttcived. included in ¢hc above. are as tollows..
31.3,24
31.3.23
Olhcr
Stevenage Borough Council - renl in kind
The Oddfelloivs
Donatithn - Mr Fletcher
Donation - Mr Park"er
Donation - T Kavana8h
Donation - R Coni%?y
Donation- Si Kaiherine Ickl¢ford PCC
Donalion - J Wesley
Hilchin Priory Rotsry Club
Donalion - in mcmoriam J No8k¢s
Corers Walk
580
8.200
187
3.700
50
180
165
1.100
130
180
150
250
300
51x1
505
10.665
5.512
INVESTMENT INCOME
31.3.24
31.3.23
Dep051t account int¢rest
6.604
2.118
Page 16
continued...

OSSROAD
RING FO
ELTD
NOT
OTHEFI
NCIAL
TA
MEN
FOR TH
YEAR ENDED 31 MARCH 2024
tlnued
INCOME FROM CHARITABLE ACTIVITIES
Adivity
31.3.24
31.3.23
HCS- Spot contracl
Privaie clients
Lunches
Trninin8
Other
Building B￿ler Opportunilies
Crossroads Breakawdy
SBC Grant
Carers supw servlces
Carcrs support servlces
Carers support services
Carers support services
Carcrs sUp￿rt services
Carers support services
Carers support services
Carers support services
1.013.211
648.034
531
695.719
958.582
1.691
24
81.310
47.554
52.592
19.646
54.482
780
1,836.684
,837.472
HCS - Day C¢nlre
Day Cenlre
55,047
53.688
Grants received. included in the above. are as lollow5:
31.3.24
31.3.23
HCS - Doy Centre
Building Better Opwrtunilies
Crossroads Br¢ak8lVAy
SBC Grant
55,047
53.688
47.554
32.592
J4,482
780
110.309
153.834
OTHER INCOME
31.3.24
31.3.23
Infection ¢onirol - Coi'id 19
12.189
CHARITABLE ACTIVITIES COSTS
Supwn
costs (se¢
nolc 8)
Direct
Cosls
Totals
Carers Support Services
Day centre
Re￿rUCturIn8 Costs
,599,910
8.200
104,480
195,442
,795.352
8.200
104.480
1.712.59(1
195,442
1,908,032
Page 17
continued...

CRO
ADS CARIN
R LIFE LTD
NOTES TO TH
FINANCIAL
TEMENTS- ton
R THE YEAR ENDED31 MARCH 2024
nued
SUPPORT COSTS
Governance
costs
oihcr
Totals
Carers Support Services
189.246
6.196
195.442
NET INCOMEI(EXPENDITURE)
Net in¢omel(expendilure) is staled after chargingllcrcditin8).'
31.3.24
31.3,23
Audilors, r¢mun¢r4lion
D¢pr¢¢iation - owied ass¢ts
6.196
2.568
6.554
9.309
io.
TRUSTEES. REMUNERATION AND BENEFITS
There were no trustees, remuneration or other benefits for Ihc year ended 31 March 2024 nor for the year ended
31 March 2023.
Trustees, exp¢ns¢s
Th¢r¢ were no expenses reimbursed to Iruslees Ihis year or last year.
STAFF cosrs
31.3.24
31,3.23
Wages and stslarics
Social security costs
her ￿nsiOn costs
1,460.934
84.475
22,574
,973.937
113.168
30.686
1,567.983
2,117.791
The avcragc monthly number ofemploye¢5 during the year H?s as t"olloivs:
31.3.24
92
13
31.3.23
108
19
Carer Support Staty
Adminisiraiion Staty
Mgna8emenl
108
No cmployees rffeived emoluments in exce55 01"£60.000.
Page 18
ontinued...

SROA
CARIN
R LIFE LTD
STOTH
FINAN
STATEM
Ts-eon
RTHEY
R ENDED
I MARCH 2
12.
EXCEPTIONAL ITEMS
The chariiable company in¢urr¢d ontroft. reslructurin8 wsls during the y¢ar ended 31 March 2024 amounting lo
£104.480 (2023: £nil).
13.
2023 COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrcstricted
rund
Resiricled
funds
Tolal
funds
INCOME AND ENDOWMENTS FROM
Donalions and legacies
5.512
5.512
Ch*rltAble *cefvld¢s
Corers Support Services
Doy ¢¢ntr¢
.737.326
53.688
100.146
.837.472
53.688
Ini'¢simcnl income
Other income
2.118
12.189
2.118
12.189
Tolil
.110.833
100.146
1.910.979
EXPENDITURE ON
Charltable *¢tlvltles
Carcrs Support Servi￿3
Da). ¢enirc
2,003.519
3.700
100.146
2.103,665
3.71KI
Tol41
2.007.219
100.146
2.107.365
NET INCOMEI(EXPENDITURE)
(196.386)
1196,386)
RECONCILIATION OF FUNDS
Toial funds broughi fonvard
504,170
504,170
TOTAL FUNDS CARRIED FORWARD
307.784
307.784
Page 19
¢onlinucd...

CRO
OADS CARI
G FOR LIFE
NOTE
THE FIN
AL STATEM
- eontlnu
VOR TH
EAR ENDED
ARCH 2024
14.
TAXATION
A5 a charity. Crossroads Carin8 for Lite Lid is exempt trom lax on income and rapital 8ains undcr the relevant tax
le8islalion. No tax charges have arisen in Ihe charitv.
TANGIBLE FIXED ASSETS
Fixtures
Computer
cquipmenl
ritlings
Tolals
COST
At l April 2023
Additions
Disposals
25.631
57.854
1.238
(18.362)
83.485
1.238
121.294)
{2.932)
Al 31 M8rch 2024
22.699
40.730
63.429
DEPRECIATION
At l April 2023
Char8e for year
Eliminated on di5wisal
25,606
24
12.932)
55,236
2.544
(18.3621
80.842
2.568
(21.294)
Al 31 Morch 2024
22.698
39.418
62.116
NET BOOK VALUE
AI 31 MArch 2024
1.312
.313
A¢ 31 March 2023
23
2.618
2.643
16,
DEBTOKS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.3.24
31.3.23
Trade debiors
Prepayments ond accrued income
106.577
102,292
78.615
84.679
208.869
163,294
In¢luded within prepaymenl and ac¢ru¢d income is accrucd income of..
31.3.24
31.3.23
HCS - Spol Purchase
Private clients
SDC scksion charge
Other
41,204
20,416
855
2.764
22.656
25,170
5,215
Page 20
continued...

CR
OADS CARI
G FOR LIF
NOTES T
E FINAN
IAL STATEM
FOR TH
YEAR END
31 MAR
TS - eontln
024
17.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.3.24
31.3.23
Trnde creditor5
Social security and other laxes
(hher crediior3
Deferred income
Accrued ¢xpenses
28,330
15,000
5,025
2.982
99,320
23.667
23.340
2.765
3.411
148.674
150.657
201.857
LEASING AGREEMENTS
Minimum lease payments under non4ancellable operatin8 leas¢s fall due as lollows:
31.3.24
31,3.23
Within one year
Between one and five years
1,934
1.658
1.244
.934
2,902
19.
MOVEMENT IN FUNDS
rnovemcnt
in funds
At
31,3.24
Ai 1.4.23
Unrestrleled fundj
Generol fund
307,784
968
308.752
TOTAL FUNDS
307.784
968
308.752
Net nx)vem¢nl in funds, included in lh¢ above ore us follows:
Incoming
resource8
Resources
expended
Movement
in funds
Unrestrlcted fvnds
General fund
1,854.518
(1,853,550)
968
ReStrItt￿ funds
Crossroads BreakaH?y
54.482
154.482)
TOTAL FUNDS
1.909,000
11.908.032)
968
Page21
continued...

CROSSR
ADS CA
ING FOR
IFE LTD
STOTH
FOR TH
FINAN
YEAR
L STAT
EN
DED 31 MARCH 20
19.
MOVEMENT IN FUNDS - contlnued
Compar•tlves for movement In thnds
Net
movemenl
in Ivnds
At
31.3.23
At 1.4.22
Unttstrlrted fvnds
Genernl fund
504.170
(196.386)
307,784
TOTAL FUNDS
504.170
(196.386)
307.784
Comparative nei mov¢m¢nl in funds. included in th¢ above are as follows:
Incomin8
resources
R¢sour¢es
expended
Movement
In funds
Unr¢strlcted fvndj
Gcnerol fund
1,810.833
12.007.219)
1196.3861
Reslrlcted fund$
Building Beiier Opportunities
Crossroads Breakaway
47,554
52.592
147,554)
(52,592)
100.146
(100.1461
TOTAL FUNDS
.910.979
(2.107.365)
(196.386)
Buildin8 Betler OpwJrtunilies- Big Lollcry Imd ESF funding for employmenl and truinin8 menioring for carers. A 27
rncmber parthership in Hertlordshire.
Clo￿rOadS Breakaway- a grant fvnded project for volunteer s¢rviees lor carer8.
20.
RELATED PARTY DISCLOSURES
The key mana8ement personnel of Ihe charity comprises of the Re8ist¢red Manag¢r. the Financial Controller and ihe
HR & Recruilmenl Manager. The loial employee benefits of ih¢se key mana8¢ment personnel of the charity were
£147.69812023.' £193.233),
Page 22