hPational
Flood
Fori2m
The National Flood Forum
(A wryany limited by guarantee)
Registered charity no. 1121642
Company no. 04349401
Annual Report and Accounts
for the year ended 31 March 2025

National Flood Forum
Annual Report and Accounts y18 31 Marth 2025
Contents
Page no.
Trustees, Report
Statement of Trustse's responsibilities
Report of the Independent Auditor
8-10
Statement of Financial Activities
11
Balan￿ Sh￿t
12
Cashflow statement
13
Notes to the Accounts
14-22

National Flood Forum
Annual Re￿rt and Accounts yle 31 Maich 2025
Trustees, Annual Report
The Trustees, who are also directors for the purposes of the Companies Act 20C6, present their annual
report and financial statements for the year ended 31 March 2025 which is also prepared to meet the
requirements for a Directors, report and accounts for Companies Act Purposes.
The financial statements comply with the Charities Act 2011. the Companies Act 2006, the Memorandum
and Articles of Association and Accounting and Reporting by Charities.. Statement of Recommended
Practice applicable to charities preparing their accounts in accordance with the Financlal Reporting
Standard applicable in the UK and Rewblic of Sreland (FRS102).
Objectivgs and Activltles
"The charlty's object is the protection of life and property for the benefft of the public in particular where life
and propety is affected by or at risk of being affected by flooding on a significant sea￿. This is achieved
a) Working either alone or with business or other Strateg￿ organisations, wtEther private, public or
statutory, to reduce the risk of floodirKJ, to minimise the material damage caused by and the social,
environm8ntal and economic effects of fk)oding and to assist in recovery from the effects of
ooding., and by
b) Providing or assistwig with, promoting or improving &cess to education or training with a view to
reducing the risk of flooding, minimising the matertal damage caused by and the social,
envlronmental and economic effects of knding and to assist in recovery from the effects of
ffooding.
The charity's aim to reduce as frdr as possible impact of fIC￿dIng on all those who have already
suffered serious flooding or who are at significant risk of flooding. It does this through activities which:
1. Provide information ar#1 advice, such as through the website. publications and advice line"
2. Provide practical, face to fa￿ SUPFX)rt for people who have been flocxled throughout the recovery
3. Help people to understand their flocrtl risk and to organise fiood action groups so that they can
engage with risk management authorities proactively to effectNely redu￿ the risk of flooding and
its impacts;
4. Improve flood risk management policies arKI operational dellvery through engagemenl with local
and central govemment, its agencies, the private sector (such as the insurance industry) and the
voluntary sector.
In carying out these activities the charity works extenstvety with third party organisations:
1. Local govemrnent, Environment Agency operational teams. water companies, landowners, other
voluntary organisations, loss adjusters and insurers when working directly with people at risk of
fiooding. Facilitating engagement in recovery situations with these organisations aims to provide
direct support to people who have flooded. These organisations may each also have roles in flood
risk management, so our work to set up and develop floDd action groups is designed to enable and
support a construckn've and proactive dialogue. Our independen￿, together wilh our knowledge of
flood risk management arKI our f￿ll11*.0n skills allows us to work in situations where others can't.
2. Central and local government and its agencies, the insurance industry, consultancies, national
voluntary organlsations when working on better policies and their delivery for those at flood ris
This also includes encouraging and partlCiP8ting in (as part of steering groups or in gathering
information) research and projects that will help people to protect themselves better. For example.
the National Fbod Forum participated in a project to make available to the general public the
information, data and methodology for developing and evaluating flood defence schemes.

National Flood Forum
Annual Report and Accounts yle 31 March 2025
The charity's maln objeclives for the year were:
The overall aim of the charity remained. as reflected in the strapline, supportwig and represents'ng flwd risk
communities.
Our strategic priorities are:
Our Strategy
Working with communities and partners, we support people at iisk of Iloc*Ying and help them r8Gover when
it happens. As the impacts of climate change grow, we want to reach and support even n70r8 people.
Our long-temi goals
All peopl8 in England and Wales are better protected from flooding - they can obtain affordable household
insurance and the value of their properties and possessions is Secured. If they do ffood, their health and
wellbeing is supported in the short and long term.
Who we are and what we do
As part of the flooded community, the National Flood Forum is a charity that supports communltles to tackle
the things that matter to them. creating hope and reducing the fear of flooding., helping people to work
together to reduce flood exposure and its impacts, both physical and emotional..
Ne WOTk with people to help thern build bcal flo¢yJ action groups and netrworks that can support their
communities. We act as honest brokers facilitators.
We support people with advice and guidance.
We help people to recover from flooding and manage their risks for both the short and the long term.
1OJe champion issues with governmen( politicians and officia15. to improve flooding policy and inC￿aSe
funding for flood risk management and recovery.
We work with partners to inform them of the issues and cOn￿rnS that people at flood rlsk face and
encourage them to work wtth us in ways that will improve people's lives.
We encourage partners to support us. so that we can reach out to communities and individuals to help
them with the things that we excel at
Speclfic targets for the year to help deliver thls Included:
Supporting as many flooded and at-risk people as possible through our helpline. website. social media
and our Work in communities including Recovery Services and Fky)d Actlon Groups.
Building income through partnership. fundraising and identifying new areas of growth and income
generation, including tralnlng. Consultancy and ft)od exhibrtions.
Developing more and stronger stakeholder relth'onships being an effective and valued delivery partner.
Acting as a critical frierKI as well as being collaborative.
Campaigning and advttacy on those things our communty cares about most and ensuring our voice
is heard on a national stage an aim to influence policy decisions.
Devek)ping a way to show our Impact and evaluate our work.

National Flood Forum
Annual Report and Accounts yle 31 March 2025
Supporting and devebping our team through continued professional training
The work of ov8r 230 flood action groups around the county was sustained entirely by voluntary
activity.
In shaping the objeclives for the year and planning activities, the trustees confirm that they have paid due
regard to the guidance on public benefrt publrshed by the Charity Commission, including the guidance
'public benefit= running a charity IPB2)'. They are of the opinion that the activities of the charity provide
public benefit within the Spirit of that guidan￿.
Achlevements and Performance
This year, the National Flood Forum has continued to deliver meaningful impact at both national and local
levels, championing communty vol￿, resilience, and systemic change in flood risk managernent.
National Leadership in Innovatlon and Reslllen
We have played a leading ro￿ in shaping the future of fiood risk management through our continued
involvemenl in the Defra-funded Resilience and Innovation Programme. The National Flood Forum Is a
core delivery partner in four of the pioneering projects:
SMART Sponge Catchments in Slough
Roch Valley NeIghbourhcA￿ Flood and Climate Project
Greater Lincolnshire Groundwater Project
A FAIR Approach to Community Flood Risk
These projects are exploring new models for corrmunty4ed resilience aThl catchment-scale solutions,
placing local people at the heart of innovatDn.
We have worked with research company Eunomia to understsnd arKI devek)p a detailed picture of how
flood recovery unfolds in Wacti￿, examining timing and nature of both the negative impacts and the
measures taken to recover and build resilience. Through four contrasting case studies, it explored the
factors that influenced recovery outcoffes and captured the diverse experiences and perspectives of
affected resldents and local stakeholders.
We have carried out Recovery SerV￿es in several communities in Gloucestershire after the floods in
January 2024, supporting them as they started the recovery prO￿5S and working with agencies to secure
better outcomes for those communities.
We have continued to attend the national Property Flood Resilience Roundtable ensuring that
communities experiences and concerns are heard.
We remain central to the devek)pment and delivery of the Flood and Coastal Erosion Risk Management
(FCERM) Strategy, leading on publ￿ and communty engagement as part of the Strat&3y's roadmap.
As a member of the Floods Resilience Task Force. we have helped shape natK)nal thinklng on how
UK responds to the growing challenge of fk)oding, with a focus on communty preparedness, long-terni
resilience, and bcalty driven s(Autions.
Through our work with the AlkPaty Pwliamentary Group (APPG) for Fk)od Prevention, we have
ontinued to influence policy, including launching a national campaign to reform Flood Defen￿ Grant-in-
Aid {FDGiA) funding criteria. This campaign is grounded in the experiences of flood-affected people 8nd
ca115 for fairer, more effective funding for tlood resilience.
Our tearn has continued to delNer hands-on support across the country:
Ongoing delivery of Flood Action Group (FAG) projects in Shropshire, Cambridge,
Worcestershire. Surrey, and Kent

National Flood Forum
Annual Report and Accounts yle 31 March 2025
Building FAG Forums in Kent. Surrey, and Shropshire to strengthen local networks and amplify
community voices.
Supporting active Flood Action Groups, through our helpline. bulletin, and dlrect staff
engagement.
We have also continued our Strateg￿ role in the Sevem Valley Water Management Scheme, helping build
flood resilience across the English-welsh border through deep community engagement.
We have expanded our work with Thames RFCC with the London Flood Action Group Community Project
across 10 Flood Action Groups and more London Boroughs.
The NFF Helpline receives around 1,000 calls annualw, with many more follow-ups, supporting a wide
range of vulnerable people across the UK, including the elderly, those living alone, and individuals
recenlty flooded or newly aware of their fiood risk. Our team offers both technical advice and emotional
support on topics such as imrrediate post-flood actions, Propety Flood Resilience. insurance navigation,
signposting to local setvices, and flood risk preparati(￿.
Communicatlons, Influence and Profile
Our national profile has grown significantty through a strengthened media and policy presence. We
responded to numerous requests from national and local broadcast and print media, and expanded our
reach through social media, particularly Facebook.
We have developed a programme of webinars, open to anyone who fl(M)ds wh￿h feature experts
discussing issues that flooded people face and attracting hbJh numbers of attendees.
We have developed a Flooded PeO￿eS Panel to ensure that flooded peoples vol￿S are heard at a
strategic level within the organisation and enable input into campaigns and communications. Further
developing strong relationships with the ￿MMunitieS we support
We made strategic use of the Google Grant scheme, increasing traffic to our websrte and improving
acces5 to key flood information and resources.
Power of Communlty Actlon
Our work would not be possible without the dedication of our communities. Over the past year. volunteers
contributed more than 2,380 hours, supporting both communty projects Flood Action Groups, including
policy, communications, and governance.
Flnancial Revlew
Income for the year decreased lo £921,135 (previous year. £977.158) and charitable expenditure increased
to £850.763 (previous year. £708,278) resulting in a surplus for the year of £70,372 (previous year.
£268,880). The financial position at the end of the year was improved with un-restricted funds carried
forward of £737.922 (2024: £634.091).
Reserves policy
The reserves policy has been set by Tnjstees as..
Reserves be rnaintained at a level whith ensures that around 3-6 months of the organisatk)n's core
activity could continue during a periixl of unforeseen difficulty.
A designated redundancy fund of £43.000. Current redundancy payments would amount to
£43,000.
This FX)licy will be reviewed annualty or rTr)re frequently if necessary.
Free reserves, defined as unrestricted funds less fixed assets less designated funds, are currently £694,788
whiGh means the charity currently holds approximately 9-10 months budgeted running Gosts in reserves,
which is in excess of the current reserves policy. However, the Trustees have budgeted a deficit for the
coming year and plan to strengthen the current structure in order to maintain the charity's ongoing work

National Flood Forum
Annual Report and Ac£ounts yle 31 March 2025
programmes. However. they do still ￿COgnise that a continuous process of fundraising is required to ensure
that reserves can be maintained at a level that is in line with the reserves policy and reflects the
organisations continued desire to increase delivery and activity.
Restricted funds are fund5 provided for a specific purposelproject and are set aslde until spent. Restricted
funds at 31 March 2025 were £31,49412024: £64,953).
Golng concern
At this point in time funding for 2025126 includes a significant amount of secured funding and is sufficient
to meet current staff and other costs. We continue to assess risks around changes in projects and funding
and therefore we regularly review possible contingencies that could be put in place to reduce costs
should a funding shortfall arise. These include..
Redeploy staff to maximise efficiency
Reduce staffing levels - the cost of making all staff redundant (£43,000) has been set aside in
reserves to cover this. RedUct￿nS will need to be proportionate to the level of Income
Develop funding multiple fijndingfincome streams
Forecast5 to 31 March 2026 & beyond suggest free reserves of around £500,000 will be available to cary
forward into 2026127, which is sufficient to meet current reserves policy and running costs. As such the
Trustees believe it is appropriate to prepare these accounts on a going concem basis & confim that they
are confident of the future viability of the Charty for at least 12 I￿ntt￿ from the date of this report.
structure, Governance and Management
The National Flood Forum (NFF) is a company limited by guarantee. as defined by the Companies Act
2006. It was incorporated on 81h January 2002 and registered as a charty on 215t November 2007. It is
govemed by Its Memorandum and Articles of Asstxiation as amended by special resolutions dated 14th
November 2007, 101h March 2009 and 28th October 2014. As a charity, in the opinion of the Trustees, it
complies with the provisions of Section 60 of the Companies Act 2006, which exempts it from the
requirement to end its name with 'limitsrf. Throughout this report it will be referred to as 'the charity"
Responsibility for the govemance of the charity resides wth the Trustees. Day to day operations is
managed by the Chief Executive. There were 13 Trustees vtho served during the year, as shown below.
At the end of the year there were 12 Trustees. Trustee indemnty insurance is in place and is paid for by
the charitable company.
Arrangements for seth'ng pay for staff was introduced previousty, following a benchmarking exerclse agalnst
charities, the Environment Agency arKI local authorities. Pay for the Chief Executive is set by the Board. A
review of staff salaries was caffied out wh￿h incknded a staff pay rise of 6% slightly above inflation at 18¢
April 2023.
In accordance with the Articles of Association, new Trustees are appointed by a simple majority vote by the
Trustees at a duly convened meeting. The seledion of new Trustees considers the particular skills needed
by the Board at the time. New Trustees re￿1ve an induction pack consisting of the Memorandum and
Articles of Association, Charitable Objects, details of the role and responsibilrties of Trustees. strategy and
business plans. All Trustees have the right to receive training, at the charty's expense, in order that they
may understand their legal obligations and fulfil their roles and statutory duties.
The Trustees have carried out an assessment of the major rBks to wthich, in their view. the charity is
exposed and proGedures have been implemented to manage those risks.
The main risks for the National Flood Forum relate to funding and staffing.
Funding Comes pred0rrMnan￿Y from the public sector, particularty for work undertaken. This supports core
actNlties such as the advice line. ￿th the contractiDn of the public sector, there are fewer contracts, and
they are taking longer to regots'ate (up to 24 mnths). To mityate this the National Flood Forum has and
continues, to put in significant efforts to diversify funds, building up revenues from Blue Pages,
developing bids for Resilience & Innovation projects, deveb)ping training and donations. In addition, new
partners have been sought, such as Local Resilience Forums and social sector organisatlons.
Nevertheless, funding remains the biggest issue.

National Flood Forum
Aiiiii￿1 Rppryl arwl hfr.iyiirrt8 ylp 11 March zn2fj
IM349101 (Effjknd aThl V*•)
1121842
T F4l•r
P0kn2
YK90RB
ww.floodforum.
.uk
D Goff (Chw)
Trustees. r8sponslblllties in relatlon to the flnanclal ststsments

National Flood Forum
Annual Report and Accounts yje 31 March 2025
Trustees, responsibilities in relation to the financial statements
The trustees (who are also directors of The National Fk)od Forum for the purposes of company law) are
responsible for preparing the Trustees. Annual Report and the financial st8tements in accordance with
applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted
Accounting Pfactice).
Company law requires the trustees to prepare financial statements for each financial year, which give a
true and fair view of the state of affairs of the charitsble company and of the income and expenditure of the
charitable company for that period. In preparing these financial statements, the trustees are required to:
select suitable accounting policies and then apply them consistently;
obserye the methods and principles in the Charities SORP;
make Judgements and estimates that are reasonable and prudent;
state whether applicable UK 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 basi5 unless it is inappropriate to presume
that the charitable company will continue in Operat￿jn.
The trustees are responsible for keeping adequate accounting records that disclose with reasonable
accuracy at any time the financial position of the charrtable company and enable them to ensure that the
financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the
assets of the charitable company and hence for taking reasonable steps for the prevention and detection
of fraud and other irregularities.
Statem•nt as to disclosurn to our audilors
In so far as the trustees are aware at the lin￿ of approving out Trustee5 Annual Report and Accounts:
there is no relevant information of which the charitable company's Auditor is unaware. and
the trustees have taken all steps that they ought to have taken to make themselves aware of
any relevant infofmation and to estsblish that the Auditor is aware of that information.

National Flood Forum
Annual Report and A￿oLIn{S yle 31 March 2025
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF THE NATIONAL
FLOOD FORUM
Oplnlon
We have audited the financial 51atemenls of the National Flood ForLTh {the'charitable ccmpanl) for the year ended 31
March 2025 whlch comprise the Statemenl of Flnanclal Aclivilies, Balance Sheet and notes to the financial statements,
induding a summary of signifKanl accounts'ng poliaes. The financial reportirvJ framework that ha$ been applied In their
p￿paratIon Is appIl￿ble law and United Kingdom AcC￿nting Standards, induding Fnandal Reporting Standard 102
The Financial Repo￿ng St8ndanl applicable in the UK and Republic ol Ireland (United Kingdom Generally A￿pted
Accounting Practice).
In our opinion the financial $latemetrts:
give a true and fair view of the state of the charitable (xxnpan￿S affalr5 as of 31 March 2025, and of its incoming
resources and aFYlcallon of resources. Indudlng Its Income and expendllure. for the year th8n endéd:
have been propety prepared li accordance with United Kttigdom G￿eralty Accepted Accounting Practi￿. and
have been prepared in a¢xordance with Ihe requwements of the Companies Act 201%.
8091$ for oplnlon
We conducted our audit in accordance with Intemational Standards on Auditing {UK) IISAS (UK)) and applicable law.
Our responslblllti85 under those standards a￿ further descrlbed In the Audito¢s responsibilittes for th8 audit of the
financial ststements section of our report. We are irbjependent oflhe charitable company in accordan￿ wilh the ethical
requirements that are relevant to our audit of the financAa statements in the UK, including the FRC'S Ethical Standard,
and we have fijlfilled our other ethul ￿POnSibl1111e5 in aCCo￿ance with these requirements. We believe that the audit
evld8nc8 we hav8 obtaI￿d is sufflclent arnj apprwlate to provkle a basis for our oplnion.
Concluslons rolatlng to going ¢oncem
In auditing the finanaa state￿nts, we have ¢onduded that the truste8s' use ofthe going concem basls of accouniing
in the preparation of Ihe financial statements 18 appropriate.
Based on the work we have pefftlmied, we have not Idenllfied any Material uncertalnties relating to evènts or conditions
that, individually or ¢olleGtvely, may cast signifrnit doubt ￿ the charitable company's ability to continue as a going
concem for a period of at least twelve months from when the financial slatements are authorised for issue.
Our respon$lbllllles and the ièsponsibilitles of the trustees wlth resp8d to golng concern are descrlbed In ltr￿ relevant
sec*ons of this rep)rt.
Other Infomiation
Th8 trustees are responsible for olher infomiation. The other infomatlon comprlses the Infomiation included in the
Irustee5' annual report, other than the financial Statern￿ts and our auditorfs reportthereon. Our opinlon on the finandal
statements does not cover the other infonnatton and, except to the exient otherwise explritly stated n our report, we
do not express any form of assurance conclusion thereon.
In connection wlth our audlt ofthe financa4 ststements, ￿Spons￿lI1fy is lo read the other Infomation and, in dorng
so, Gonsider whether the other infom)atK)n is materialty inconsistent Wtth the financial statements or our knowledge
obtained in the audit or Othe￿ISe appears lo be materidly misslated. If we identify SLKh material incDn$istendes or
apparent matèrial misstatements. we are required to detennine whether there is a material misstatement in the financial
statements or a material misslatemenl of the other infonnation. If. based on the woth we have perfonTbed, we conclude
thal there is a materlal mis5tatsment of this other infonn*lon, we are requlred to report th8t fad.
the information given ￿ the trustees, report (Incorporating the dlrectors. rwort) for the finandal year for wh￿h the
financial statements are prepared is consistent with the ￿nanC￿l 5tatemenls; and
the trustees, report ha5 been prepared In accordance wth appllcable kgal reQ￿TeMentS.
have nothing to report in this regard.
Opinlons on other matters prescribed by the CompAnlos Act 2006
In our oplnlon. based on the work undertaken in Ihe course of the a￿11.

National Flood Forum
Annual Report and Accounts yle 31 March 2025
Matter6 on whlch we are required to report by exceptlon
In the Iltht of our knowledge arKI understandlng of the tharitable company and it8 environment obtained in the course
of the audt, we have not idenlffied malerial mlsstatements in the tNslees' report.
We have nothing to report in respect of the foliowlng matters in relation to which the Companies Act 2006 require5 U8
to ￿port to you if, in our opinion..
adequale accounting records have nol been kept, or retums adequate for oui audit have not been received fr¢)m
branches not visited by us", or
the financial statements are in agreemert with the accourthng records and retums,. or
certain disclosures of tTUStees' remuneration speur￿l by law are nol made: or
we have not r￿e1ved all the Info￿a￿On and explanations we require for our audit. or
the truslee5 were not entitled to prepare the financial statements in accordance with the small companles. reglm8
and tske advantage of the Small companles. exerytion in preparing the directors. report
Responslbilitiès of trustees
As explained more fully in the trustees. ￿sp(￿l￿tillI1ies stalement sel out ori page 7 the Iru5tees (who are also the
directors of the th8ritable company for the pur￿SeS of company law) are responsible for the preparation of the financial
statements and for being satisfied that they gNe a In￿ and fair view. and for such internal control as the trustees
determine Is necessary lo enable the preparation of financial statements Ihal are free from material misstatement,
whether due to fraud or erTOr.
In preparing the financial statements, the trustees arE responsible for assesslng the Gharitabte company's abdity to
continue as a gokng concem. disdosing, as applKable, mattets related to going c%)ncern and using the going concern
basis of 8c¢ounting unless the trustees either intend to liquidate the charilable ￿rnp￿Y or to cease operations. or have
no realistic altemallve but to do so.
Auditorfs responsibllltles for the audit ol tho financial $tatomonts
We have been reappointed auditor urKler the Companles Act 2(￿ and report In accordance with thls Act.
Our objectives are lo obtain reasonable assurance about *thelher the financ4al statements 85 a whole are free from
material misstatement, whether due to fraud or error. and to issue an auditor's report that indudes our opinion.
Reasonable assurance 15 a high level of assUran￿,bUI is rNIt a guarantee that an a￿lt c(￿dUcted in acurdance with
ISAS (UK) ¥￿11 always detect a mateiial mlsstatement vthen it ￿Sts. Mkssiatemenls can arise from fraud or error and
are considered material if, inthwdually or in the aggregate, they could reasonably be expected to InfflUen￿ the economic
decisions of usets taken on the basis of these financial statements.
A further description of our responsibilit￿$ forlhe audit of the fIna￿al statements Is located on the Financial Reporting
CouncAI'8 website 8t.. vA•M.frc.org.uklauditorsresponsibilities. Thk% description forms part of our auditorfs report.
Extent to whlch the audlt Wds congiderod eapable of detécting Irregularflies, including fraud
Irregularities, Including fraud, are instances of non-complian(t with laws and regulations. We design procedures in line
with our responsibilities, outlined thve. to detect material mlsstat8mènt5 in respect of Irregularilles, inGludlng fraud.
The extent to which our procedures are capable of detecting irregularities. induding fraud, 15 delailed belthv.
From the preliminary stage of Ihe audlt. eNsure our understanding of the entty is up to date. This includes. but ig
nol limited to, current knowledge of their activities, the bu5ine55 and control environments. ènd their compliance with
the applIca￿e legal and regulatory frameworks. This information supports our risk identification and the subsequent
destgn of audit pr￿e￿re$ lo mitigate those risks., ensuring that the audit evidence obtalned Is suifuent and appropriate
to supp¢Jrt our opinion.
In response to the rlsks identified. specific to this entity. we designed wocedures wlmth induded. but were not limited
Enquiry of management and those charged with g)vemanc8 around actual and potential litigation and dayns;
Reviewlng minutes of meetlrys of Ihose charged wlth govemance. If available:
Revi8wlng finandal Statement disclosures and testir¥J to S￿POrtIng documentaticffj to assess cornpliance with
applicable laws and regulations"

National Flood Forum
Anniial Repori aiid Accoiinls ylp .31 marc.h 2025
Auditing the risk of management override of controls, including through testing joumal entries and other
adjustments for appropriateness, and evaluating the business rationale frir significant transactions outside the
normal course of business.
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 slate to the charitable company's
members those matters we are required to state to them in an auditorfs report and for no other purpose. To the fullest
extent permitted by law, we do not assume responsibility to anyone other than the charitable company and the
charitable company's members as a Ix)dy. for our audit work. for this report, or for the opinions we have formed.
Andrew Williams FCCA (Senior Statutory Auditor)
Date: Zl., OLro(SGfL &tS
For and on behalf of BK Plus Audit Limited
Statutory Auditor
Azzurri House
Walsall Road
Aldridge
Walsall
WS9 ORB
10

National Flood Forum
Annual Report and Accounts yle 31 March 2025
Statement of Financial Activities
(incorporating an Income and Expenditure Account)
For the year ended 31 March 2025
2025
Tolal
Funds
2024
Total
Funds
UnrestrirAed Restricted
Funds
Funds
INCOME FROM:
Donations and lega￿e$
20,615
20,615
10,092
Charitsble activities
704.850
195,313 SY)0,163
7,066
Investments- bank interest
357
357
TOTAL INCOME
72S,822
195,313 921,135
977,158
EXPENDITURE ON:
Ralslng funds
17.791
17.791
27,241
Charitsble aclivities
601.130
231,842 832.972
681.037
TOTAL EXPENDITURE
618.921
231.842 850,763
708,278
Net incrmmelloxpendlture) for the year before
transfers
106,901
136,529
70,372
268.880
Transfer offunds In year
(3,070)
3,070
NET INCOMEIIEXPENDITURE) & NET MOVEMENT IN
FUNDS
103.831
133,459)
70,372
268.880
RECONCILIATION OF FUNDS
Total funds brought fon•Rrd
634.(￿1
64,953 699,OH
430.164
TOTAL FUNDS CARRIED FORWARD
13
737 922
31.494 769,416
699,044
The r￿teS on the ft)Il¢Ming pages forni part of these accounts.
Thé statement of financial activities indudes all galns arKI losses in the year. All Income and expenditure
are derived from conb'nuirwJ activitws.

National Flood Forum
Aniiijir l FIpTrMi anrl A(￿J)￿nIS yle )1 Mareh 2025
AB ol 31 March 2026
RXED A83EI8
11J
J12
4m7
11
nTJ
31

National Flood Forum
Annual Report and Accotsnls yle 31 March 2025
Statsment of Cash Flows
Year ended 31 March 2025
2025
2024
Cash flows from operatlng actlvltles:
Cash generated by operations
88,941
325,697
Net cash provided by operating actNities
88,941
325,697
Cash flows from Investlng activltles:
Purchase of tangible fixed assets
Interest received
357
Net cash generated by investing activities
357
Change In cash and cash equivalents in the year
89,298
325,697
C8sh and cash equivalents at beginnirKJ of the year
Cash and cash equlvalents at end of the year
488.767
399,469
Reconciliation of net incom• to net cash flow from operating activities
2025
2024
Net income for the year las per the Statement of Financlal Activities)
Adjustments for:
DepreGiation charges
Loss on disposal of fixed assats
Int￿st received
(Increase)IDecrease in debtors
Increase in creditors
70,372
268,880
1,857
(357)
(57,185)
75.062
43,588
11,372
Net cash generated by operating actfvltles
88.941
325 697
13

National Flood Forum
Annual Report and Accounts yle 31 March 2025
Notes to the accounts
1. ACCOUNTING POLICIES
status of the Company
The Charitable Company is incorp)rated in England and Wales, is limited by Guarantee and does not
have share capital. The liability of its members is limited to £1 Fer member. It's registered Offi￿ is MFG
Solicitors, Adam House. Birmingham Road, K￿de￿inSter. l+Vorcestershire, DYIO 2SH.
Basls of preparatlon
The financial statements have been prepared in accordan￿ with Accounting and Reporting by Charities..
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 (FRS102) (updated 1
January 2019) - (Charities SORP {FRS102)). the Financial Reporting Standard applicable in the UK and
Republic of Ireland (FRS102) and the Companies Act 2LIJ6.
The financial statements presented are those of the charitable company and not of the group. The group
qualifies for exemption from preparing consolidated accounts on the grounds it qualifie5 as a small group.
The financial statements have been prepared in Sterling, which is the fvnctional currency of the charitable
company. Monetary amunts in these financial staterrEnts are rounded to the nearest £.
The National Fbjod Forum meets the definition of a public benefit entity under FRS102. Assets and liabiliiies
are initially recognised at historical cost or tran&%tFon value unless otherwise ststed in the relevant
accounting policy note(s).
Going concern
The financlal statements have been p￿pared on a going concern basis which assumes that the charitable
company will continue to operate as a going concern for the next twelve months from the date of signing
the auditor's report. The charitable company's current business plan and secured funding in place shows
that it will be able to operale in the foreseeable future. Based on this understanding, the directors believe
that it remains appropriate to prepare the financial statements on a going concern basis. The financial
statements do not include any adjustments, which would result from the basis of preparation being
inappropriate.
Furthermore, the charitable company has no bank l)orrowing or overdraft facility and has no immediate
intention to obtain such faciliknes on the basls that the directors believe the charitable company can continue
to operate within its cjjrrent cash position.
Income
All income is recognised when the charity has entttlement to the funds, any perft)rmance conditions
attached to the item{s) of income have been me( it Is probable that the income will be received and the
amount can be measured reliabty.
Income from government and ott￿r grant5, whether 'Ca￿tal, or 'revenue' is recognised when the charity
has entitlemenl to the funds, any perfomance condltions attached to the grants have been met, it is
probable that the income will be received and the amounl can be measured reliably and is not deferred.
Income, including grants, is deferred as necessary when the donor specifies that the income must only be
used in future accountlng periods or when the donor has iryosed conditK>n5 which must be met before the
charlty has unconditional entitlement.
Exponditure
Liabilities are recognised as expendlture as soon as there is a legal or constructive obligation committing
the charitable company to the expenditure. All expenditure is accounted for on an accruals basis.
Expenditure is classified under the following activity headings:
Costs of raising fijnds comprises the costs of staff, publicty and printing in retation to the
direct raising of funds plus an allocation of sUPPOrt costs.
Expenditure on charitable activity includes the costs of project delivery undertaken to fvrther
the purposes of the chty arKI tr￿1r associated support costs.
14

National Flood Forum
Anr)ual Report and Accounts yle 31 March 2025
Allocatlon of Support Costs
Support costs are those functions that assist the work of the charity but do not directy undertake charitable
activity, Support costs include back-office costs, finance, personnel and governance costs which support
the charitable company's a¢tivitses. These costs have been allocated to activities based on tlme spent and
are shown in notes 5 and 6.
Fund accountlng
The charity has restricted and unrestricted funds. Restricted fvnds can be used only for specific purposes
within the objects of the charity, as defined by donors or when funds are raised for a specific purpose.
Unreslrrcted funds can be used in ac￿rdance with charitable objectives at the discretion of the trustees.
Investments
Investment in subsidiary company is held at cost less accumulated irnpairment losses.
Fixed assets
Tangible fixed assets. with a cost exceeding £500, are recorded at histDriC Cost and depreciated at annual
rates to write off the cost of each asset over its estimated useful life. The rates applicable are..
Computers and equipment
3 years
Fixtures and fittings
4 years
Motor vehicles & trailers
10 year5
Cash and cash 8qulvalents
Cash and cash equivalents include cash at bank and in hand and short-term deF¥)sits repayable on or withln
a three month notice period.
D•btors
Trade and other debtors are recognised at the settlement amount due after any trade discount offered.
Prepayments are valued at the amount prepaid net of any trade discounts due.
Credltors
Creditors are recognised where the charity has a present obligation resulting from a past event that will
probably result in the transfer of funds to a third paty and the amount due to settle the oblrgation can be
measured or estimated reliatAy.
Leased assets
Leases that do not transfer all the risks and rewards of ownership are classified as operats'ng leases.
Payments under operating leases are char*d to the Statement of Financial Activities on a strai9ht-line
basis over the period of the lease.
Pensions
Employees are entitled to join a money purchase pension scheme which is funded by contributions from
both empbyee and employer. During the year empbyer contributions of £14,474 {2024.' £12,274) were
made to the scheme. Contributions are alkxated to actNities in accordance wrth related salary costs.
Related party transactions
The charitable company disckjses tranS￿tiorLS with related parties which are not wholly owned with the
same group. It does not disd05e transactions with members of the same group that are wholly owned.
Judgements and key sources of Estimation Un¢ertalnty
In the application of the charitable company's accounting pDll¢ies, the trustees are required to make
judgements, estimates and assumptions about the carrying amount to assets and liabilities that are not
readily apparent from other sources. The estimates and associated assumptions are based on historical
experience and other factors that we considered to be relevant. Actual reSU￿S may differ from these
estimates. The estimates and undertying assumptions are reviewed on an on-going basis. Revisions to
accounting ests'mates are recognised in the period in which ests'maie is revised where the revision
affects only that period, or in the period of the revision and future periods where the revision affects both
current and future periods.
Management have reviewed and assessed the above and have confirmed there are no key judgements in
place.

National Flood Forum
Annual Report and Accounts yle 31 March 2025
2. DONATIONS AND LEGACIES
2025
2024
Donations - unrestricted
20.615
10.092
3. CHARITABLE ACTIVITIES
Unrestricted Restricted
Funds
Funds
2025
Total
funds
Flood Risk Support
Other charitable actNity:
Flood Falrs
Consultancyltraining
Information Services
Recovery support & Trailer rental
Expense recoveries and managerrent fees
629.515
195,313
824,828
3,950
45.483
5.591
6.010
14.301
3,950
45,483
5,591
6,010
14,301
Total 2025
195 313
Unrestricted ReStr￿ted
Funds
Funds
2024
Totsl
funds
Flood Risk Support
Other charitable activity:
Flood Fairs
Consultancyltraining
Information Services
Recovery support & Traller Mtal
Expense recoveries and Mallagerr￿nt fees
574,404
297.433
871,837
9,055
65,560
5,233
9,055
65,560
5.233
500
14,881
14,881
Total 2024
669 633
16

National Flood Forum
Annual Report and Actounts yle 31 March 2025
Income from Charitable Activities includes the folh)wing amounts relating to contracts wth Governmental
org8nlsations'.
2025
2024
Rochdale Metropolitan Borough Council
Worcestershire County Council
Kent County Council
Gloucestershire County Council
Surrey County Council
Slough Borough Council
Shropshire County Council
Shropshire County Council- Business Flood Action Project
Staffordshire County Council
LinGoln5hire County Council
Cambridge County Council
Environment Agency
Waltham Forest County Council
National Resource Wales
Hertfordshire County Counc51
Guildford Borough Council
London Borough of Hackney
London Borough of Hammersmith & Fulham
Camden Council
Southwark Council
Kensington & Chelsea Council
100,483
65,000
32,000
7,500
34,351
125.000
35.000
37,500
104,600
50,000
20,313
65.000
132,960
15.540
9,375
7,950
5,000
5,000
s.000
5,000
109,010
50,000
32,000
7,500
45,980
178,218
35,000
107,000
82,500
65,521
60,000
9G,170
6,250
6,250
4. COSTS OF RAISING FUNDS
2025
2024
staff costs
Consultants
Office costs
Support and govemance costs
9,218
3,475
11
5.087
12,294
7,487
23
7.437
Total
17,791
27.241
5. COSTS OF CHARITABLE ACTMTIES
2025
Total
2024
Total
Flood Risk Support
staff costs
Advertising, publicty, printlng & postage
Consultancy, training & r8cruttment
Motor Vehicle Costs
Travel and subsistence
Office Costs
Legal & professional fees
Meetingslevents
460,498
2.941
69,451
270
35,148
6.901
1,508
2,132
361,157
1,387
59.736
25
29.204
5,196
3,327
2,501
Total Direct Costs
578,849
462,533
Support and governan￿ costs
254.123
218,504
Total
832.972
681.037
Flood Risk Support Incfudes costs totalling £231,842 in respect of restricted fund5 (2024 £228,278)
17

National Flood Forum
Annual Report and Accounts yle 31 March 2025
6. SUPPORT AND GOVERNANCE COSTS
2025
2024
Support costs..
staff costs
Marketing, publicity, printing & postage
Consultancy, advocacy, training and recAuitment
Meetingslevents
Motor vehicle costs
Travel and subsisten
Legal & rKofessional fees
Depreciation
Office Costs
139,465
19,514
7.834
519
6,668
14.454
3,250
1.049
128,895
16,461
10,376
476
9.854
11.309
1.895
1,857
232,781
205,379
Governan￿ costs:
Auditors, remuneration - statutory audit Ser¥￿eS
Travel and meetings
Insurance (Trustees Ilability insurance)
Legal & professional fees
offi￿ costs
Staff costs
3.250
3,250
1,796
771
1.250
218
13,277
20,562
895
1,854
1,748
26,429
Total
259.210
225,941
Allocated to..
Raising funds
5,087
7,437
Charitable activities
254,123
218,504
Total
259,210
225.941
Support costs are allocated to activities in accordance with the amount of ts'me spent by staff on those
activities.
7. STAFF COSTS. NUMBERS AND TRUSTEE REMUNERATION AND EXPENSES
2025
2024
Salwies
National Insurance costs
Pensions
568,421
44,126
14,474
462.881
40,468
12,274
Total
627,021
515,623
Allocated as follows:
Raising funds
Direct Charitable acttvity
Support costs
Governance
9,218
460,498
139.465
17,840
12,294
361,157
128,895
13,277
Total
627,021
515,623
The charity employed the full-time equwalent of 17 staff during the year (2024: 15>. One employee
had employee benefits of beiween £70,000 and £80,000 (2024.. behveen £60.000 and £70.000, one
employee).
18

National Flood Forum
Annual Report and Accounts yle 31 March 2025
Key management personnel comprise the Chief Executive Officer and ihe Operations Coordinator
whose employee benefrts total £119,010 {2024.' £151,702 comprising the Chief Executive Offbcer,
Operations Coordinator atmj the Community Supp(xt & Fl¢)od Recovery Specialist) induding pension
contributions.
During the year severance pay totalling £12,500 was paKI to one employee.
The charity trustees were not paid or re￿iVed any other benefts from employment with the charity In
the year (2024.. £nill. No charity trustee recerved payffent for professlonal or other services supplied
tr) the charity (2024.. £nil).
Four Trustees were reimbursed expenses totalling £523 in relation to travel costs incurred on behalf
of the charity in relation to their duties as Trustees (2024: Three Trustees £355 for travel),
8. INVESTMENTS IN SUBSIDIARIES
The charitsble company owns the entire share capitsl of NFF Trading SeNices C.l.C. {Company
number 07535221). The company 8rranges the supply and installation of sustainable drainage
systems under a Providers agreement wrlh the National Flood Fowm and is reimbursed for lis
services. The company has been domiant throughout the period & the prior year.
The charitable company also cywns the entire share capital of UK Flood Forum Ltd (Company number
07484668), UK Flwd Action Ltd (Company number 07494704) arKI UK Flood Community Ltd
(Company number 07494662). Al 3 companies were dorrrAnt throughout 202415 and prior.
9. FIXED ASSETS
Computers
and
Equipment
Fixtures
and
fittings
Motor
vehicles &
trailers
Ti)tal
Cost blfknvd & cJNvd
9.194
11,885
75.000
96.079
Depreclation bl￿d
Charge for year
Depreciation clfwd
8,012
1.048
9.C61
11,885
75,000
94,897
11,885
75.000
95,946
Net book value 2025
133
133
Net book value 2024
1.182
1,182
10. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2025
2024
Trade Debtor5
Prepayments
Accrued income
304,014
3,823
133,975
305,598
2,341
76,688
Total
441,812
384,627
19

National Flood Forum
Annual Report and Accounts yle 31 Maich 2025
11. CREDITORS: AMOUNTS FALLING DUE WTHIN ONE YEAR
2025
2024
Trade Creditors
Social security and other taxes
VAT
Other credltors
Deferred Income (see Note 12)
Accruals
24,205
13,129
$6,358
2,645
58,400
6,560
6,521
11,267
43,066
3,096
22,285
Total
161,297
86,235
12. DEFERRED INCOME
Movements in deferred income are as ft)Ilows'.
202S
2024
At beginning of year
Released to income in year
Deferred in year
14,333
(14,333)
58,400
At end of year
58,400
Deferred income relates to funding received in advance on contracts relating to flood risk support.
13. MOVEMENT IN FUNDS
2025:
Funds blf
Income
Expendrture
Transfer
of Funds
Funds clf
Unrestricted Funds:
General Funds
DeS￿nated fund for
redundancy costs
Total unrestricted funds
Restricted Funds..
Slough R & I Project
Lincolnshire R & I Proje
Cambridgeshire
Total rnstricted funds
587.091
725,822
(618,921)
930
694.922
47,000
634,091
(4,000}
(618.921) (3,070)
43,000
737,922
725,822
15.202
29.$61
20,090
64,953
125,000
50,000
20,313
195,313
(146,403)
6,201
(76,530) (3,131)
(8.909
1231,842)
31,494
31,494
3,070
Totsl Funds
699,044
921.135
(850,7631
769,416
Transfers relate to unspent funds on Li￿lnshIr8 Boune project that, in agreement with the funder,
were released to general funds and an overspend on the Slough project that was supplemented by
general funds.
Restricted funds are as follows=
Slough R & I Project- helping to deliver the Flood and Costal Resiltence arKI Innovation Project
Smart Sponge Catchments.
Lincolnshire R & I Project- hdping to deliver the Flood and Costal Resilience and Innovation Project
Groundwater.
Cambridgeshire- settng up Flo(xl Action Grcxjps.
?0

National Flood Forum
Annual Report ar￿ AILounls yle 31 March 2025
2024:
Funds blf
Income
Expenditure
Transfer
of Funds
Funds clf
Unrestricted Funds:
General Funds
Designated fund for
redundancy costs
Total unrestricted funds
Restricted Funds:
Slough R & I Project
Lincolnshire R & I Project
Cambridgeshire
Waltham Forest
Yorkshire 2 Ridings
BRIC Project
Total restricted funds
384,023
679,725
(480,000)
3,343
587,091
45,000
429,023
2,000
5,343
47,000
634.091
679.725
1480,000)
1,141
138,319
2,500
44,688
10,000
3,000
18,926
297,433
(124.258)
(52,839)
(24,598)
(10.000)
(1,018) {1,982)
15,565
3,361
(228,278) (5,3431
15,202
29,661
20,090
1,141
64,953
Total Funds
430.164
977,158
1708,278)
699,044
Transfers in 2023124 relate to Spend on projects in the previous financial year
14. ANALYSIS OF NET ASs￿s BETWEEN FUNDS
2025
Fixed Assets
Net Current Assets
Cash
other
Total
Unrestricted Funds:
General Funds
133
457.273
280.516
737,922
Restricted Funds
31,494
31,494
Total Funds
133
488,767
280.S16
769,416
2024
Fixed Assets
Net Current Assets
Cash
Other
Total
Unrestricted Funds:
General Funds
1.183
334,516
298,392
634.091
Restricted Funds
64,953
64,953
Total Funds
1,183
399.469
298,392
699,044
15. OPERATING LEASE COMMITMENTS
The total future minimum lease payments under nononcellable operating
leases are as follows..
Expiring..
Within one year
Be￿een one and two years
2025
2024

National Flood Forum
Annual Report and Accounts yle 31 March 2025
16. RELATED PARTIES
Donations were received from key management personnel of £nil (2024: £195) during the ye8r.
Th8re were no further transactions with related parties in the year.
17. TRUSTEES
Trustee Indemnity insurance was purchased by the charity (see Note 6 above).
18. CONTROLLING PAR
The charitable company Is controlw by the Board of T￿￿lees.
19.COMPARATIVE STATEMENT OF FINANCIAL ACTMTIES
2024
Total
Funds
Unrestricted
Funds
Rest[￿ed
Funds
INCOME FROM:
Donations and legades
10,092
10,092
Charltable athltles
669,633
297.433
967,068
TOTAL INCOME
679,725
297.433
977,158
EXPENDITURE ON:
Raising furKIs
27.241
27.241
Charitsble aclivThies
452,759
228278
681.037
TOTAL EXPENDITURE
480,000
228.278
708,278
Not Income for the year before transfer8
199.725
69,155
268.880
Tr8n8fer of funds in year
5,343
{5.343)
NET INCOME & NET MOVEMENT IN FUNDS
205,068
63,812
268,880
RECONCILIATION OF FUNDS
Total funds brought foThYafd
429,023
430,164
TOTAL FUNDS CARRIED FORWARD
64,953
22