| Notes | 2021 | 2020 | |
|---|---|---|---|
| INCONIING RESOURCES | |||
| Fees IDonations IGrants |
101,561 | 226,677 | |
| Bank Interest | 362 | ||
| TOTAL INCOINING RESOURCES | 101,565 | 227,039 | |
| RESQURCES EXPENDED | |||
| Charitable activities |
122,983 | 239,978 | |
| Governance cost | 3,145 | 5,902 | |
| TOTAL RESOURCES EXPENDED | 126,128 | 245,880 | |
| NET RESOURCES (EXPENDED) IINCOINING | (24,563) | (18„841) | |
| Funds carried forward at 30June | 30,471 | 55,D34 |
| Notes | 2021 | 2020 | ||
|---|---|---|---|---|
| FIXEDASSETS | ||||
| Tangible fixed assets | ||||
| CURRENT ASSETS | ||||
| Debtors | 9,213 | 2,897 | ||
| Cash at Bank | 33,943 | 132,893 | ||
| TOTAL CURRENT ASSET'S | 43,156 | 135,790 | ||
| CREDITORS: falling due within one year | 10 | (12,685) | (80,?56) | |
| NET CURRENT ASSETS | 30,471 | 55,034 | ||
| TOTAL ASSETS | 30,471 | 55,034 | ||
| FUNDS | ||||
| Total funds | 30,471 | 55,034 | ||
| Including restricted grants |
17,936 |
| 2021 | 2020 | |||
|---|---|---|---|---|
| Restricted Grants (designated | funding | for research) | 18,436 | 25,598 |
| Other Grants (unrestricted) | 2,000 | 1,000 | ||
| Fees, Courses and Advisory | 76,125 | 185,079 | ||
| Donations, Sponsorship and |
Gift Aid | 5,000 | 15,000 | |
| Total Income (net ofBank Interest) | 101,561 | 226,677 |
| RESOURCES EXPENDED | ||
|---|---|---|
| 2021 | 2020 | |
| Research, Advice and Reporting | 122,983 | 239,978 |
| Legal | 1,291 | 1,231 |
| Establishment | 35 | 1,339 |
| Administration | 1,819 | 3,332 |
| Total Resources expended | 126,128 | 245,880 |
activities including manag |
e | ment | functions |
amounted to 224,873(2 |
020:f28,184). | ||
|---|---|---|---|---|---|---|---|
| 2021 | 2020 | ||||||
| CEO (resigned March 2021) |
50,978 | 77,179 | |||||
| Certification Director (resigned |
February 2020) | 50,673 | |||||
| Certification 8 Projects Manager (resigned |
November 2020) | 15,871 | 13,543 | ||||
| Advisory 8 Training Consultancy |
11,773 | ||||||
| Contractors Undertaking |
Activities | 24,873 | 28,184 | ||||
| Total | 91,722 | 181,352 | |||||
| 9 | DEBTORS | ||||||
| 2021 | 2020 | ||||||
| Mark assessments completed |
with fees not yet paid | 625 | 2,500 | ||||
| Advisory work completed |
with | fees not yet | paid | ||||
| Amounts claimed for fees |
|||||||
| VAT reclaimable | |||||||
| Other Debtors | 8,588 | 397 | |||||
| Total Debtors | 9,213 | 2,897 | |||||
| 10 | CREDITORS | ||||||
| 2021 | 2020 | ||||||
| Fees received in advance |
12,250 | 41,375 | |||||
| Certification fees mark not | complete | ||||||
| Prepaid BCTRestricted | Grants | 17,936 | |||||
| VAT payable | 183 | 9,780 | |||||
| Other Trade Creditors | 252 | 11,665 | |||||
| Total Creditors | 12,685 | 80,756 |
| ASSESSMENT | ASSESSMENT | ||||||
|---|---|---|---|---|---|---|---|
| ORGANISATION | TYPE | PRODUCT NAME | AWARD | AWARD HELD BETWEEN: | |||
| 1"Alliance CU |
Personal | Loan | Personal Loan |
5Star | 1stSeptember 2015to 31stOctober 2021 | ||
| 1"Class CU | Personal | Loan | Personal Loan |
5Star | 2nd April 2016to 31stOctober 2021 | ||
| Advance CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Barelays | Current Account with OD |
Barclays Bank Account | 3Star | 1st May 2015to 30th April 2020 | |||
| Barelays | Personal | Loan | Barclayloan | 4Star | 1stAugust 2015to 31stJuly 2020 | ||
| Barelays | Regular Savings | Everyday Saver | 4Star | 1stJune 2017to 31st May 2020 | |||
| Barelays | Regular Savings | Cash ISA | 4Star | 1stJune 2017to 31st May 2020 | |||
| Biuesg Twos CU | Personal | Loan | Personal Loan |
5star | 1st November 2017to 31stOctober 2021 | ||
| Bristol Cu | Personal | Loan | Personal Loan |
5star | 1st November 2017to 31stOctober 2021 | ||
| Calderdale CU |
Personal | Loan | Personal Loan |
5Star | 1stJuly 2019to 31stOctober 2021 | ||
| Capital One | Credit Card | Classic Card | 4Star | 1stOctober 2015to 30th September 2021 |
|||
| Cardiff S.Vale | CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | |
| Cen Liverpool | CU | Personal | Loan | Helping Hand Loan |
5Star | 1stJune 2015to 31stOctober 2021 | |
| Cen Liverpool | CU | Personal | Loan | Shares Based Loan | 5Star | 1stJune 2015to 31stOctober 2021 | |
| Clockwise CU |
Persona | I Loan | Persona I Loan |
5Star | 1stAugust 2018to 31stOctober 2021 | ||
| Commsave CU |
Personal | Loan | Personal Loan |
5star | 1st November 2017to 31stOctober 2021 | ||
| Croydon CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Enterprise CU |
Personal | Loan | Loyalty Loan | 5Star | 1stJune 2015to31stOctober 2021 | ||
| First Rate CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Hoot CU | Personal | Loan | Premier Loan | 5Star | 2nd April 2016to 31stOctober 2021 | ||
| Hoot CU | Personal | Loan | Budget Loan | 5Star | 2nd April 2016to 31stOctober 2021 | ||
| Hoot CU | Personal | Loan | Handy Loan |
5Star | 2nd April 2016to 31stOctober 2021 | ||
| Hull 5East Yorkshire | Personal | Loan | Credit Union Loan | 5Star | 1stJune 2017to31stOctober 2021 | ||
| CU | |||||||
| Just CU | Personal | Loan | Member Loan |
5Star | 1stJune 2017to 31stOctober 2021 | ||
| Just CU | Personal | Loan | Community Loan |
5Star | 1stJune 2017to31stOctober 2021 | ||
| Lanarkshire CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Lewisham Plus CU |
Personal | Loan | Personal Loan |
5Star | 1stOctober 2020to 31stOctober 2021 | ||
| Lewisham Plus CU |
Regular | Savings | SAYB(Save As You Borrow) |
5Star | 1stOctober 2020to 31stOctober 2021 | ||
| Lloyds / HBOS | Current with OD |
Account | Classic Accountwith Control |
4Star | 1stOctober 2012to 31stDecember 2016 | ||
| Lloyds / HBOS | Personal | Loan | Flexible Loan | 5Star | 1stSeptember 2015to 31stAugust 2017 | ||
| Lloyds / HBOS | Personal | Loan | Clarity Loan | 5Star | 1stSeptember 2015to 31stAugust 2017 | ||
| London Cap CU | Personal | Loan | Saver Loan | 5Star | 1stJune 2015to 31stOctober 2021 | ||
| London Mutual | CU | Persona | I Loan | Plus Loan | 5Star | 1stJune 2017to 31stOctober 2021 | |
| Manchester CU |
Personal | Loan | Personal Loan |
5Star | 1stOctober 2019to 31stOctober 2021 | ||
| NatWest / RBS |
Credit Card | Clear Rate Platinum | 3Star | 1st May 2015to 30th April 2020 | |||
| NatWest / RBS | Credit Card | Reward | 3Star | 1st May 2015to 30th April 2020 |
| NatWest / RBS | Regular | Savings | Cash ISA with Savings Goal |
5Star | 1stJune 2011to 31stJanuary 2021 |
|---|---|---|---|---|---|
| NatWest / RBS |
Regular | Savings | Instant Saver with Savings Goals |
5Star | 1stJune 2011to 31stJanuary 2021 |
| NHS CU | Personal | Loan | Personal Loan |
5Star | 2nd April 2016to 31st March 2021 |
| NHS CU | Regular | Savings | Regular Savings Account | 3Star | 1stOctober 2020to 30th September 2021 |
| Penny Post CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2019to31stOctober 2021 |
| Pioneer CU | Personal | Loan | Ethical Loans | 5Star | 1stOctober 2020to 30th September 2021 |
| Plane Saver CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2017to 31stOctober 2021 |
| Police CU | Personal | Loan | Fixed Term Loan | 5star | 1st November 2017to 31stOctober 2021 |
| Riverside CU |
Persona | I Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 |
| Saffron Building Society |
Regular | Savings | Goat Saver | 3Star | 1stJune 2011to 30th November 2017 |
| South Manchester | Personal | Loan | Personal Loan |
5Star | 1stOctober 2019to 31stOctober 2021 |
| CU | |||||
| Think Money | Current without |
Account OD |
Personal Account | 4Star | 1stJune 2011to 31stOctober 2021 |
| Transave CU |
Personal | Loan | Personal Loan |
5Star | 1stAugust 2018to 31stOctober 2021 |
| Notes | 2021 | 2020 | |
|---|---|---|---|
| INCONIING RESOURCES | |||
| Fees IDonations IGrants |
101,561 | 226,677 | |
| Bank Interest | 362 | ||
| TOTAL INCOINING RESOURCES | 101,565 | 227,039 | |
| RESOURCES EXPENDED | |||
| Charitable activities |
122,983 | 239,978 | |
| Governance cost | 3,145 | 5,902 | |
| TOTAL RESOURCES EXPENDED | 126,128 | 245,880 | |
| NET RESOURCES (EXPENDED) IINCOINING | (24,563) | (18„841) | |
| Funds carried forward at 30June | 30,471 | 55,034 |
| Notes | 2021 | 2020 | ||
|---|---|---|---|---|
| FIXEDASSETS | ||||
| Tangible fixed assets | ||||
| CURRENT ASSETS | ||||
| Debtors | 9,213 | 2,897 | ||
| Cash at Bank | 33,943 | 132,893 | ||
| TOTAL CURRENT ASSET'S | 43,156 | 135,790 | ||
| CREDITORS: falling due within one year | 10 | (12,685) | (80,?56) | |
| NET CURRENT ASSETS | 30,471 | 55,034 | ||
| TOTAL ASSETS | 30,471 | 55,034 | ||
| FUNDS | ||||
| Total funds | 30,471 | 55,034 | ||
| Including restricted grants |
17,936 |
| 2021 | 2020 | |||
|---|---|---|---|---|
| Restricted Grants (designated | funding | for research) | 18,436 | 25,598 |
| Other Grants (unrestricted) | 2,000 | 1,000 | ||
| Fees, Courses and Advisory | 76,125 | 185,079 | ||
| Donations, Sponsorship and |
Gift Aid | 5,000 | 15,000 | |
| Total Income (net ofBank Interest) | 101,561 | 226,677 |
| RESOURCES EXPENDED | ||
|---|---|---|
| 2021 | 2020 | |
| Research, Advice and Reporting | 122,983 | 239,978 |
| Legal | 1,291 | 1,231 |
| Establishment | 35 | 1,339 |
| Administration | 1,819 | 3,332 |
| Total Resources expended | 126,128 | 245,880 |
activities including manag |
e | ment | functions |
amounted to 224,873(2 |
020:f28,184). | ||
|---|---|---|---|---|---|---|---|
| 2021 | 2020 | ||||||
| CEO (resigned March 2021) |
50,978 | 77,179 | |||||
| Certification Director (resigned |
February 2020) | 50,673 | |||||
| Certification 8 Projects Manager (resigned |
November 2020) | 15,871 | 13,543 | ||||
| Advisory 8 Training Consultancy |
11,773 | ||||||
| Contractors Undertaking |
Activities | 24,873 | 28,184 | ||||
| Total | 91,722 | 181,352 | |||||
| 9 | DEBTORS | ||||||
| 2021 | 2020 | ||||||
| Mark assessments completed |
with fees not yet paid | 625 | 2,500 | ||||
| Advisory work completed |
with | fees not yet | paid | ||||
| Amounts claimed for fees |
|||||||
| VAT reclaimable | |||||||
| Other Debtors | 8,588 | 397 | |||||
| Total Debtors | 9,213 | 2,897 | |||||
| 10 | CREDITORS | ||||||
| 2021 | 2020 | ||||||
| Fees received in advance |
12,250 | 41,375 | |||||
| Certification fees mark not | complete | ||||||
| Prepaid BCTRestricted | Grants | 17,936 | |||||
| VAT payable | 183 | 9,780 | |||||
| Other Trade Creditors | 252 | 11,665 | |||||
| Total Creditors | 12,685 | 80,756 |
| ASSESSMENT | ASSESSMENT | ||||||
|---|---|---|---|---|---|---|---|
| ORGANISATION | TYPE | PRODUCT NAME | AWARD | AWARD HELD BETWEEN: | |||
| 1"Alliance CU |
Personal | Loan | Personal Loan |
5Star | 1stSeptember 2015to 31stOctober 2021 | ||
| 1"Class CU | Personal | Loan | Personal Loan |
5Star | 2nd April 2016to 31stOctober 2021 | ||
| Advance CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Barelays | Current Account with OD |
Barclays Bank Account | 3Star | 1st May 2015to 30th April 2020 | |||
| Barelays | Personal | Loan | Barclayloan | 4Star | 1stAugust 2015to 31stJuly 2020 | ||
| Barelays | Regular Savings | Everyday Saver | 4Star | 1stJune 2017to 31st May 2020 | |||
| Barelays | Regular Savings | Cash ISA | 4Star | 1stJune 2017to 31st May 2020 | |||
| Biuesg Twos CU | Personal | Loan | Personal Loan |
5star | 1st November 2017to 31stOctober 2021 | ||
| Bristol Cu | Personal | Loan | Personal Loan |
5star | 1st November 2017to 31stOctober 2021 | ||
| Calderdale CU |
Personal | Loan | Personal Loan |
5Star | 1stJuly 2019to 31stOctober 2021 | ||
| Capital One | Credit Card | Classic Card | 4Star | 1stOctober 2015to 30th September 2021 |
|||
| Cardiff S.Vale | CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | |
| Cen Liverpool | CU | Personal | Loan | Helping Hand Loan |
5Star | 1stJune 2015to 31stOctober 2021 | |
| Cen Liverpool | CU | Personal | Loan | Shares Based Loan | 5Star | 1stJune 2015to 31stOctober 2021 | |
| Clockwise CU |
Personal | Loan | Persona I Loan |
5Star | 1stAugust 2018to 31stOctober 2021 | ||
| Commsave CU |
Personal | Loan | Personal Loan |
5star | 1st November 2017to 31stOctober 2021 | ||
| Croydon CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Enterprise CU |
Personal | Loan | Loyalty Loan | 5Star | 1stJune 2015to31stOctober 2021 | ||
| First Rate CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Hoot CU | Personal | Loan | Premier Loan | 5Star | 2nd April 2016to 31stOctober 2021 | ||
| Hoot CU | Personal | Loan | Budget Loan | 5Star | 2nd April 2016to 31stOctober 2021 | ||
| Hoot CU | Personal | Loan | Handy Loan |
5Star | 2nd April 2016to 31stOctober 2021 | ||
| Mull 5East Yorkshire | Personal | Loan | Credit Union Loan | 5Star | 1stJune 2017to31stOctober 2021 | ||
| CU | |||||||
| Just CU | Personal | Loan | Member Loan |
5Star | 1stJune 2017to 31stOctober 2021 | ||
| Just CU | Personal | Loan | Community Loan |
5Star | 1stJune 2017to31stOctober 2021 | ||
| Lanarkshire CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 | ||
| Lewisham Plus CU |
Personal | Loan | Personal Loan |
5Star | 1stOctober 2020to 31stOctober 2021 | ||
| Lewisham Plus CU |
Regular | Savings | SAYB(Save As You Borrow) |
5Star | 1stOctober 2020to 31stOctober 2021 | ||
| Lloyds / HBOS | Current with OD |
Account | Classic Accountwith Control |
4Star | 1stOctober 2012to 31stDecember 2016 | ||
| Lloyds / HBOS | Personal | Loan | Flexible Loan | 5Star | 1stSeptember 2015to 31stAugust 2017 | ||
| Lloyds / HBOS | Personal | Loan | Clarity Loan | 5Star | 1stSeptember 2015to 31stAugust 2017 | ||
| London Cap CU | Personal | Loan | Saver Loan | 5Star | 1stJune 2015to 31stOctober 2021 | ||
| London Mutual | CU | Persona | I Loan | Plus Loan | 5Star | 1stJune 2017to 31stOctober 2021 | |
| Manchester CU |
Personal | Loan | Personal Loan |
5Star | 1stOctober 2019to 31stOctober 2021 | ||
| NatWest / RBS |
Credit Card | Clear Rate Platinum | 3Star | 1st May 2015to 30th April 2020 | |||
| NatWest / RBS | Credit Card | Reward | 3Star | 1st May 2015to 30th April 2020 |
| NatWest / RBS | Regular | Savings | Cash ISA with Savings Goal |
5Star | 1stJune 2011to 31stJanuary 2021 |
|---|---|---|---|---|---|
| NatWest / RBS |
Regular | Savings | Instant Saver with Savings Goals |
5Star | 1stJune 2011to 31stJanuary 2021 |
| NHS CU | Personal | Loan | Personal Loan |
5Star | 2nd April 2016to 31st March 2021 |
| NHS CU | Regular | Savings | Regular Savings Account | 3Star | 1stOctober 2020to 30th September 2021 |
| Penny Post CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2019to31stOctober 2021 |
| Pioneer CU | Personal | Loan | Ethical Loans | 5Star | 1stOctober 2020to 30th September 2021 |
| Plane Saver CU | Personal | Loan | Personal Loan |
5Star | 1stJune 2017to 31stOctober 2021 |
| Police CU | Personal | Loan | Fixed Term Loan | 5star | 1st November 2017to 31stOctober 2021 |
| Riverside CU |
Personal | Loan | Personal Loan |
5Star | 1stJune 2019to 31stOctober 2021 |
| Saffron Building Society |
Regular | Savings | Goat Saver | 3Star | 1stJune 2011to 30th November 2017 |
| South Manchester | Personal | Loan | Personal Loan |
5Star | 1stOctober 2019to 31stOctober 2021 |
| CU | |||||
| Think Money | Current without |
Account OD |
Personal Account | 4Star | 1stJune 2011to 31stOctober 2021 |
| Transave CU |
Personal | Loan | Personal Loan |
5Star | 1stAugust 2018to 31stOctober 2021 |