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2023-08-30-accounts

COMPANY REGISTRATION NUMBER: 06660324 CHARITY REGISTRATION NUMBER: 1125988

Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee Financial Statements 31 August 2023

COHEN ARNOLD Chartered accountants & statutory auditor New Burlington House 1075 Finchley Road LONDON NW11 0PU

Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Financial Statements

Year ended 31 August 2023

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||||| |---|---|---|---| |Page| |Trustees’ annual report (incorporating|the|director's report)|1| |Independent|auditor's report to the members|4| |Statement of financial|activities|(including income|and expenditure| |account)|9| |Statement of financial position|10| |Statement of cash flows|11| |Notes to the financial|statements|12|

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee Trustees' Annual Report (Incorporating the Director's Report) Yearended0 31 August2023 The trustees, who are also the directors for the purposes of company law, present their report and the financial statements of the charity for the year ended 31 August 2023.

Reference and administrative details

Registeredcharityname BeisRuchelD'Satmar(London)Limited
Charityregistration number =!125988
Companyregistration number 06660324
Principal officeand registered
office
NewBurlingtonHouse
1075 FinchleyRoad
London
NWI11! 0PU
Thetrustees Mr JKernkraut
Mr J Herzka
MrAY Klein
Companysecretary AY
Klein
Auditor Cohen Arnold
Chartered accountants& statutory auditor
New BurlingtonHouse
1075 FinchleyRoad
LONDON
NW110PU

Structure, governance and management

The charity is constituted as a company limited by guarantee and as such, its governing documents are its Memorandum and Articles of Association.

The trustees administer the day-to-day affairs of the charity supported by a full time administrator, general office staff, teachers and assistants. None of the trustees have any beneficial interest in the charity. All trustees give their time voluntarily and no benefit or expenses were paid to them in the year.

It is not the intention of the trustees of the charity to appoint any new trustees. Should the situation change in the future, the trustees will apply suitable recruitment training and induction procedures.

Risk management

The trustees have identified and reviewed the major risks to which the charity is exposed. Both manual and automated checks are regularly invoked, particularly those relating to the operations and finance of the charity, The trustees are satisfied that these systems and procedures reduce any perceived risks.

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continmed) Year ended 31 August 2023 ial asc ea a = fai

Objectives and activities

The object of the charity is the furtherance of education in the Orthodox Jewish faith. In furtherance of this object, the charity operates an independent Orthodox Jewish school in North London providing education for 1,037 (2022: 917) girls.

Public benefit

The trustees of the charity confirm that they have considered The Charity Commission's general guidance on public benefit and the requirements of Section 4 of the Charities Act 2011 in this area, in particular public benefit guidance on advancing education, when reviewing the charity's aims and objectives, and in planning future activities and setting grant making policy for the year.

Achievements and performance

The school which was opened in 2008 now has over 1,000 pupils. The school currently educates children from the age of 3 and spends considerable time on "Kodesh" subjects based upon the Orthodox Jewish faith in addition to the national curriculum.

Financial review

The charity has very loyal supporters who have provided financial support to the school to help cover deficits when necessary. The continued growth of the school is a sign of its success but it comes with additional costs and the trustees have put all their efforts in funding the growth and as such have not been able to build up free reserves. The trustees are now actively working on a plan to repay the creditors and build up reserves.

As at 31 August 2023 the charity's funds were £110,172 in deficit.

Trustees' responsibilities statement

The trustees, who are also directors for the purposes of company law, are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company Jaw requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charitable company and the incoming resources and application of resources, including the income and expenditure, for that period.

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

:

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee Trustees' Annual Report (Incorporating the Director's Report) (continued) Year ended 31 August 2023

Auditor

.

|

This report has been prepared in accordance with the provisions applicable to companies entitled to the small companies exemption,

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The trustees’ annual report was approved on 30 May 2024 and| signed on behalf of the board of
X .
“Dyan,
Mr
A Y Klein Ces :
Trustee
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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee Independent Auditor's Report to the Members of Beis Ruchel D'Satmar (London) Limited

Year ended 31 August 2023 relate

Opinion

We have audited the financial statements of Beis Ruchel D'Satmar (London) Limited (the 'charity') for the year ended 3! August 2023 which comprise the statement of financial activities (including income and expenditure account), statement of financial position, statement of cash flows and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

Basis for opinion

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

Conclusions relating to going concern

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

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

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

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee Independent Auditor's Report to the Members of Beis Ruchel D'Satmar (London)

Limited (continued)

Year ended 31 August 2023

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The trustees are responsible for the other information. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

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

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charity and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees' report.

We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

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Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee Independent Auditor's Report to the Members of Beis Ruchel D'Satmar (London)

Limited (continued)

Year ended 31 August 2023 ih

Responsibilities of trustees

As explained more fully in the trustees' responsibilities statement, the trustees (who are also the directors for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal contro! as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

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

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee Independent Auditor's Report to the Members of Beis Ruchel D'Satmar (London)

Limited (continued)

Year ended 31 August 2023

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

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Independent Auditor's Report to the Members of Beis Ruchel D'Satmar (London)

Limited (continued)

Year ended 31 August 2023 ine:

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

Use of our report

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

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) ‘4
David erg (Senior Statutory Auditor)
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or and-6n behalf of

en Arnold

Chartered accountants & statutory auditor New Burlington House

1075 Finchley Road LONDON NW11 0PU

30 May 2024

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Statement of Financial Activities (including income and expenditure account)

Year ended 31 August 2023

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||||||| |---|---|---|---|---|---| |2023|2022| |Unrestricted| |funds|Totalfunds|Total funds| |Note|£|£|£| |Income|and|endowments| |Donations and|legacies|5|592,878|592,878|660,788| |Charitable|activities|6|2,082,286|2,082,286|1,683,061| |Total income|2,675,164|2,675,164|2,343,849| |Expenditure| |Expenditure on|raising|funds:| |Costs of raising donations and legacies|7|(1,294)|(1,294)|(615)| |Expenditure on charitable|activities|8,9|(2,685,153)|(2,685,153)|(2,603,393)| |Total expenditure|(2,686,447)|(2,686,447)|(2,604,008)| |Net expenditure and net movement in funds|(11,283)|(11,283)|(260,159)| |Reconciliation|of funds| |Total funds brought forward|(98,889)|(98,889)|161,270| |Total funds|carried|forward|(110,172)|(110,172)|(98,889)|

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The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 12 to 20 form part of these financial statements.

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Statement of Financial Position

, 31 August 2023 cee eee

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||||||| |---|---|---|---|---|---| |2023|2022| |Note|£|£| |Fixed|assets.| |Tangible fixed assets|16|767,018|753,058| |Current|assets| |,|17|29,263|11,423| |Debtors| |Cash at bank and in hand|229,282|111,075| |.|258,545|122,498| |Creditors: amounts falling due within|one year|19|=|1,049,445|908,030| |Net current liabilities|.|790,900|785,532| |Total assets less current|liabilities|(23,882)|(32,474)| |Creditors: amounts falling due after more than one year|20|86,290|66,415| |Net liabilities|(110,172)|(98,889)| |Funds of|the|charity| |Unrestricted|funds|(110,172)|(98,889)| |> Total charity fands|22|~=—-|(110,172)|(98,889)|

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These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies' regime.

These financial statements were approved by the board of trustees and authorised for issue on 30 May 2024,and are signed on beha)}f of the board by:

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&
Mr AY Klein
Trustee
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The notes on pages 12 to 20 form part of [these] [financial] [statements.]
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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Statement of Cash Flows

Year0 ended31 August2023

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|||||| |---|---|---|---|---| |2023|2022| |Note|74|£| |Cash|flows from|operating|activities| |Net expenditure|(11,283)|(260,159)| |Adjustments|for:| |Depreciation of|tangible fixed assets|69,427|63,817| |Interest payable and similar charges|13,331|6,575| |Accrued (income)/expenses|(3,400)|7,600| |Changes|in:| |Trade and other debtors|(17,840)|48,135| |Trade and other creditors|160,364|223,263| |Cash generated from operations|210,599|89,231| |Interest paid|(13,331)|(6,575)| |Net cash from|operating activities|197,268|82,656| |Cash|flows|from|investing|activities| |Purchase of|tangible assets|(83,387)|(110,081)| |Net cash used|in investing activities|(83,387)|(110,081)| |Cash|flows|from|financing|activities| |Proceeds from borrowings|(9,121)|(5,769)| |Net cash used|in financing|activities|(9,121)|(5,769)| |Net increase/(decrease)|in cash and cash equivalents|104,760|(33,194)| |Cash and cash equivalents|at beginning of|year|111,075|144,269| |Cash and cash equivalents|at end of year|18|215,835|111,075|

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The notes on pages 12 to 20 form part of these financial statements.

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Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee

Notes to the Financial Statements Year ended 31 August 2023 a lei = oie a

1. General information

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is New Burlington House, 1075 Finchley Road, London, NW11 OPU.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland’, the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Companies Act 2006.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure,

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

The accounts have been prepared on a going concern basis on the assumption of continued support from its creditors.

Judgements and key sources of estimation uncertainty

In the application of the charity's accounting policies, the Trustees are required to make judgements, estimates and assumptions about the carrying amounts of 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 are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised if the revision affects only that period, or in the period of the revision and future periods if the revision affects both current and future periods.

The Trustees do not consider there are any critical judgements or sources of estimation uncertainty requiring disclosure beyond the accounting policies listed below. ia i 12

Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 August 2023

  1. Accounting policies (continued)

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes. Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment. Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fal! into one of two sub-classes: restricted income funds or endowment funds.

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

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Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 August 2023 iarehee

3. Accounting policies (continued)

Resources expended

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

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

Depreciation

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

Long leasehold property - Overthe leaseperiod
Fixtures and fittings - 15%reducingbalance
Motor vehicles - 15% reducingbalance
Garden& playground - 15% reducing balance
equipment

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount heing estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

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Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 August 2023

3. Accounting policies (continued)

Impairment of fixed assets (continued)

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Financial instruments

A financial asset or a financial liability is recognised only when the entity becomesa party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs, unless the arrangement constitutes a financing transaction, where it is recognised at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

The charity is a company limited by guarantee and has no share capital.

5. Donations and legacies

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||||||| |---|---|---|---|---|---| |Unrestricted|Total Funds|Unrestricted|Total Funds| |Funds|2023|Funds|2022| |£|£|£|£| |Donations| |Donation|592,878|592,878|660,046|660,046| |Grants| |Grants|receivable|~|~|742|742| |592,878|592,878|660,788|660,788| |6.|Charitable|activities| |Unrestricted|Total Funds|Unrestricted|Total Funds| |Funds|2023|Funds|2022| |£|£|£|£| |Childcare fees|2,082,286|2,082,286|1,683,061|1,683,061|

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Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 August 2023 tri a

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||||||| |---|---|---|---|---|---| |7.|Costs|of raising|donations|and|legacies| |Unrestricted|Total Funds|Unrestricted|Total Funds| |Funds|2023|Funds|2022| |£|£|£|£| |Costs|of raising|donations|and|legacies| |- Donations|1,294|1,294|615|615| |8.|Expenditure on|charitable|activities|by fund type| |Unrestricted|Total Funds|Unrestricted|Total|Funds| |Funds|2023|Funds|2022| |£|£|£|£| |Reis Ruche! D'Satmar|School|2,676,553|2,676,553|2,586,990|2,586,990| |Support costs|8,600|8,600|16,403|16,403| |2,685,153|2,685,153|2,603,393|2,603,393|

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9, Expenditure on charitable activities by activity type

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|||||||| |---|---|---|---|---|---|---| |Activities| |undertaken|Grant funding|Totalfunds|Total fund| |directly|of activities|Support costs|2023|2022| |£|£|£|£|£| |Beis|Ruchel|D'Satmar| |School|2,660,133|16,420|—|2,676,553|2,586,990| |Governance|costs|-|-|8,600|8,600|16,403| |2,660,133|16,420|8,600|2,685,153|2,603,393| |10.|Analysis|of grants| |2023|2022| |£|£| |Grants|to|institutions|16,420|76,000| |Total|grants|16,420|76,000| |11.|Net expenditure| |Net expenditure|is|stated after charging/(crediting):|2023|2022| |£|£| |Depreciation of|tangible|fixed assets|69,427|63,817|

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Beis Ruchel D'Satmar (London) Limited Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year00 ended 31 August 2023

12. Auditors remuneration

12. Auditors remuneration
2023 2022
£ £
Feespayablefortheauditofthefinancial statements 11,400 11,400
13. Staffcosts
Thetotal staffcostsandemployee benefitsforthereportingperiod areanalysedasfollows:
2023
follows:
2022
£ £
Wagesandsalaries
Employercontributionstopensionplans
1,900,412
619
1,653,523
650
1,901,031 1,654,173

The average head count of employees during the year was 330 (2022: 327), No employee received employee benefits of more than £60,000 during the year (2022: Nil).

Key Management Personnel

The only key management personnel in the charity are the Trustees.

14. Trustee remuneration and expenses

There was no remuneration paid to trustees. The charity did not meet any individual expenses incurred by the trustees for services provided to the charity.

15. Transfers between funds

Transfers between funds relates to restricted income spent on capital expenditure, It is the policy of the charity to move these to unrestricted funds once it has been spent unless there are restricting conditions even after the income has been spent.

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Beis Ruchel D'Satmar (London) Limited

Notes to the Financial Statements (continued)

Company Limited by Guarantee

Year ended 31 August 2023 EE ee

16. Tangible fixed assets

Tangible fixed assets
Long
leasehold Fixtures and Motor Playground
property
£
fittings
£
vehicles
£
equipment
£
Total
£
Cost
At 1 September2022
Additions
846,905
22,600
270,435
13,087
62,590
47,700
60,640
-
1,240,570
83,387
At31 August2023 869,505 283,522 110,290 60,640 1,323,957
Depreciation
At 1 September2022
Chargefor theyear
265,196
34,606
154,016
19,426
22,290
13,200
46,010
2,195
487,512
69,427
At31 August2023 299,802 173,442 35,490 48,205 556,939
Carryingamount
At31August2023
569,703 110,080 74,800 12,435 767,018
At31August2022 581,709 116,419 40,300 14,630 753,058

17. Debtors

17. Debtors
2023 2022
£ £
Trade debtors 6,263 6,423
Prepayments and accrued income
Otherdebtors
8,000
15,000
_
5,000
29,263 11,423
18. Cash and cash equivalents
Cashandcashequivalentscomprisethe following: 2023 2022
£ £
Cash atbankand in hand 229,282 111,075
Bank overdrafts (13,447) =
215,835 111,075

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 August 2023

19, Creditors: amounts falling due within one year

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|||||| |---|---|---|---|---| |2023|2022| |£|£| |Bank loans and overdrafts|13,447|-| |Trade creditors|119,291|203,615| |Accruals and deferred|income|11,400|14,800| |Social|security and other taxes|57,843|29,376| |Other creditors|- wages control|561,836|309,521| |Other creditors|285,628|350,718| |1,049,445|908,030| |20.|Creditors:|amounts|falling due|after more than one year| |2023|2022| |£|£| |Bank loans and overdrafts|35,110|44,231| |Other creditors|51,180|22,184| |86,290|66,415|

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21. Pensions and other post retirement benefits

Defined contribution plans

The amount recognised in income or expenditure as an expense in relation to defined contribution plans was £619 (2022: £650).

22, Analysis of charitable funds

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|||||| |---|---|---|---|---| |Unrestricted|funds| |At|At| |1|September|31|August| |2022|Income|Expenditure|2023| |£|£|£|ca| |General funds|(98,889)|2,675,164|(2,686,447)|(1 10,172)| |At| |1|September|At 31|August| |2021|Income|Expenditure|2022| |€|£|£|£| |General funds|161,270|2,343,849|(2,604,008)|(98,889)|

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Beis Ruchel D'Satmar (London) Limited

Company Limited by Guarantee

Notes to the Financial Statements (continuea)

Year ended 31 August 2023

23. Analysis of net assets between funds

Analysis of netnet assets between funds
Unrestricted TotalFunds
Funds 2023
£ £
Tangible fixed assets
Current assets
767,018
258,545
767,018
258,545
Creditors lessthan 1 year (1,049,445) (1,049,445)
Creditors greaterthan 1 year (86,290) (86,290)
Netliabilities (110,172) = (110,172)
Unrestricted TotalFunds
Funds 2022
ft £
Tangible fixed assets
Currentassets
753,058
122,498
753,058
122,498
Creditors lessthan 1 year
Creditors greaterthan 1 year
(908,030)
(66,415)
(908,030)
(66,415)
Net liabilities (98,889) (98,889)
Analysis ofchanges in net debt
At
At 1 Sep 2022 Cashflows 31Aug2023
£ £ £
Cash atbankand inhand 111,075 118,207 229,282
Bank overdrafts - (13,447) (13,447)
Debtdue afteroneyear (44,231) 9,121 (35,110)
66,844 113,881 180,725

24. Analysis of changes in net debt

25. Related parties

No transactions with related parties were undertaken such as are required to be disclosed under FRS102.

ahi

20