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2022-12-31-accounts

CHARITY REGISTRATION NUMBER: 1127243

The Jaspar Foundation Financial Statements 31st December 2022

CHAMBERLAINS UK LLP

Chartered Accountants& Statutory Auditors 173 Cleveland Street

London UK W1T 6QR

The Jaspar Foundation

Financial Statements

Period from 1st July 2021 to 31st December 2022

Pages
Trustees' annual report 1 to 5
Independent auditor's report to the trustees of the Jaspar
Foundation 6 to 9
Statement of financial activities 10
Statement of financial position 11
Statement of cash flows 12
Notes to the financial statements 13 to 19

The Jaspar Foundation

Trustees' Annual Report

Period from 1st July 2021 to 31st December 2022

The trustees present their report and the financial statements of the charity for the period ended 31st December 2022.

Reference and administrative details

Registered charity name The Jaspar Foundation
Charity registration number 1127243
Principal office Stanmore House
15-19 Church Road
Stanmore
The trustees Mrs C Pankhania
Mr S Thakrar
Mr H Shah
Mrs S Ladwa (Appointed 11th October 2021)
Mr R P Pankhania
Mr A Pankhania
Auditor Chamberlains UK LLP
Chartered Accountants & Statutory Auditors
173 Cleveland Street
London
UK
W1T 6QR
Bankers Lloyds TSB
105-109 Station Road
Edgware
Middlesex
United Kingdom
HA8 7JL

Structure, governance and management

Governing Document

The Foundation is governed by a declaration of trust deed on 24th September 2007 and is a registered charity under the registration number 1127243.

Appointment of trustees

The Foundation shall have at least three trustees. Every future trustee shall be appointed by a resolution of the trustees passed at a special meeting. In selecting persons to be appointed as trustees, the trustees shall take into account the benefits of appointing a person who is able by virtue of his or her personal or professional qualifications to make a contribution to the pursuit of the objects or the management of the charity.

- 1 -

The Jaspar Foundation

Trustees' Annual Report (continued)

Period from 1st July 2021 to 31st December 2022

Public Benefit Statement

In reviewing our aims, objectives and planning future activities, in accordance with the Charities Act 2011, the Trustees have taken into account the Charity Commission's general guidance on public benefit as required by Section 4 of the Charities Act 2011 and in particular its supplementary public guidance on the advancement of religion for the public benefit. The Trustees always ensure that the activities undertaken are in line with the charitable objectives and aims of the Foundation.

Objectives and activities

The Foundation's objectives and activities are:

To relieve persons wheresoever situate who are in conditions of need, hardship or distress as a result of local, national or international disaster or by reason of their social and economic circumstances and to further the education (including social and physical training) of such persons.

To advance the Hindu religion in any part of the World.

To advance such charitable purposes (according to the law of England and Wales) as the trustees see fit from time to time, in particular but not limited to the advancement of health or the saving of lives including but not limited to the making of grants to support medical research or to support those suffering ill health.

Overview

The Jaspar Foundation is the charitable arm of the Jaspar Group.

The Jaspar Group is a family-owned property business with over 40 years' experience in design, construction, investment and management of residential and commercial property.

The vision is to transform lives, communities and places, as well as empowering a brighter future by alleviating hardship, improving wellbeing and enhancing life opportunities for all.

The mission is to support programmes across 5 sectors being education, healthcare, elderly and disabled, homelessness and poverty, and emergency relief. Through this mission, we aim to improve access to education, alleviate ill health, enhance life opportunities for the elderly and disabled, reduce homelessness and assist and improve lives for those in poverty and with emergency relief situations.

The values impact those in need through acting with compassion, respect, integrity and professionalism, and actively practising diversity and inclusion.

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The Jaspar Foundation

Trustees' Annual Report (continued)

Period from 1st July 2021 to 31st December 2022

Achievements and performance

During the period to 31 December 2022, the rental income generated from its investment properties has continued to provide a steady return in which the Trustees have used the income generated for charitable purposes in order to meet the objectives of the Foundation. During this period, the Trustees have provided donations totalling £295,855 (30 June 2021: £71,661).

The Trustees of the Foundation have assessed and undertaken critical due diligence for analysing several grant applications and donations to charities during the current financial period. The Trustees have monthly meetings with presentations and updates on donations and the impact made quantified in lives enhanced. To further understand the change on the people's lives that the donations have made, individual impact evaluation reports for each donation have been conducted and documented.

The numerous donations made during the period continue to achieve the vision, mission and aims of the Foundation which are to alleviate hardship and empower a brighter future for those in need. Jaspar Group's corporate and social responsibility through Jaspar Foundation has given both the employees and the Trustees of the Foundation an opportunity to give back in various ways, be it with time, donations and pro bono advice and help.

The donations made during the period have enhanced several lives as a result of the support that has been given from the Foundation to various charities and their beneficiaries. The main sector that has benefitted from the donations and the number of lives improved was Good Health and Wellbeing with support for the Elderly and Disabled and Quality Education following closely behind. The focus for the coming years is to support more in the Homelessness and Poverty sector as this was one area which has been under funded and the Foundation wants to impact more lives in this sector.

Risk management

The trustees have a risk management strategy which comprises:

Reserves policy

The total reserve funds as of 31 December 2022 stood at £5,977,947 (30 June 2021: £5,979,612) and all the reserves are unrestricted i.e. they can be applied at the discretion of the trustees.

The reserves policy is reviewed on a regular basis and adjusted as risk perceptions and other factors change. When reviewing and monitoring the reserves policy, the trustees ensure that they identify when the reserves are drawn on so that they understand the reasons and can consider the corrective actions, if any, that need to be taken.

The Trustees are confident that the surplus arising from the rental income generated by the investment properties and donations received will enable the Foundation to achieve its stated objectives. This is expected to carry on for the foreseeable future.

The level of reserves is reviewed annually by the trustees. This policy ensures the work is protected from the risk of disruption at short notice due to a lack of funds.

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The Jaspar Foundation

Trustees' Annual Report (continued)

Period from 1st July 2021 to 31st December 2022

Financial review

During the period to 31 December 2022, the Foundation received donations amounting to £101,441 (30 June 2021: £530,520). The Foundation had also made charitable donations of £295,855 (30 June 2021: £71,661).

During the period to 31 December 2022, the Foundation has continued to hold its investment properties in Sutton and Hendon and it also acquired an investment property in Milton Keynes for the sum of £3,066,099. The Foundation sold the investment property in Horsham.

Going concern

After making appropriate enquires, the Trustees have a reasonable expectation that the Charity has adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the financial statements. Further details regarding the adoption of the going concern basis can be found in the accounting policies.

Plans for future periods

The Trustees continue to manage the investments of the Foundation so that is generates a steady return which can be used to achieve the Foundation's objectives.

Trustees' responsibilities statement

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

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

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

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the Trust Deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

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The Jaspar Foundation Trustees, Annual Report (¢ontinuedJ P8riod from 1st July 2021 to 31st December 2022 Disclosure of inforrnation to auditors Each of the persons who are Trustees al the lime when this Trustees Annual Report is approved has confirmed that. so far as that Trustee is aware, there is no relevant audit infomialion of which the charity's auditors are unaware.. and Ihal the Trustee has taken all the steps that ought lo have been taken a5 a Trustee in order to be aware of any relevant audit information and lo establish that the charity's audf(ors are aware of that information. Auditors The auditors, Chamberlains UK LLP, have indicated their willingness lo continue in office. The designated Trustees wi11 propose a motion of reappointing the auditors at a meeting of the Trustees. The trustees, annual report was approved on 7th December 2 Iruslees by.. 3 and signed on behaw of the board of Mf R P Pankhania Trustee MrA Trust ania

The Jaspar Foundation

Independent Auditor's Report to the Trustees of the Jaspar Foundation

Period from 1st July 2021 to 31st December 2022

Opinion

We have audited the financial statements of The Jaspar Foundation (the 'charity') for the period ended 31st December 2022 which comprise the statement of financial activities, 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 accordance 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.

- 6 -

The Jaspar Foundation

Independent Auditor's Report to the Trustees of the Jaspar Foundation (continued)

Period from 1st July 2021 to 31st December 2022

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.

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 Charities Act 2011 requires us to report to you if, in our opinion:

Responsibilities of trustees

As explained more fully in the trustees' responsibilities statement, the trustees 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 control 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.

- 7 -

The Jaspar Foundation

Independent Auditor's Report to the Trustees of the Jaspar Foundation (continued)

Period from 1st July 2021 to 31st December 2022

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:

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

- 8 -

The Jaspar Foundation

Independent Auditor's Report to the Trustees of the Jaspar Foundation (continued)

Period from 1st July 2021 to 31st December 2022

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 section 144 of the Charities Act 2011 and regulations made under section 154 of that Act. 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.

Chamberlains UK LLP Chartered Accountants & Statutory Auditors 173 Cleveland Street London UK W1T 6QR

7th December 2023

- 9 -

The Jaspar Foundation

Statement of Financial Activities

Period from 1st July 2021 to 31st December 2022

Period from 1 Jul 21 to Year to
31 Dec 22 30 Jun 21
Unrestricted
funds Total funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 4 101,441 101,441 530,902
Investment income 5 779,229 779,229 330,473
-------------------------------- -------------------------------- --------------------------------
Total income 880,670 880,670 861,375
================================ ================================ ================================
Expenditure
Expenditure on raising funds:
Investment management costs 6 436,112 436,112 112,308
Expenditure on charitable activities 7,8 429,962 429,962 96,818
-------------------------------- -------------------------------- --------------------------------
Total expenditure 866,074 866,074 209,126
================================ ================================ ================================
Net losses/(gains) on investments 9 1,192,175 1,192,175 (343,578)
----------------------------------------- ----------------------------------------- --------------------------------
Net (expenditure)/income and net movement in funds (1,177,579) (1,177,579) 995,827
========================================= ========================================= ================================
Reconciliation of funds
Total funds brought forward 5,979,612 5,979,612 4,983,785
----------------------------------------- ----------------------------------------- -----------------------------------------
Total funds carried forward 4,802,033 4,802,033 5,979,612
========================================= ========================================= =========================================

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 13 to 19 form part of these financial statements.

- 10 -

The Jaspar Foundation Statement of Financial Position 31st December 2022 31 Dec 22 30 Jun 21 Note Fixed assets Investments 13 9,630,000 9,439,959 Current assets Debtors Cash al bank and in hand 14 33,045 $43,525 88.944 789.761 576,570 878,705 Credltors.. amounts falling due within one year Net current liabilities 15 3,821,974 208,552 13,245,404) 6,384.596 10,110,112 S70.153 Total assets less current liabilities Creditors: amounts falling due after more than one year 16 1,582,563 4,130,500 Net assots 4,802,033 5,979,612 Funds of the charlty Unreslricled funds 4,802,033 5,979,812 Total charlty funds 17 4,802,033 5.979.612 These financial slatemenls were approved by the board of trustees and authorised for issue on 7th December 2023, and are signed gn behalf of the board by.. Mr R P Pankhania Trustee MrA Trust hania The notes on pag•s 13 to 19 form part of the¥e financial $tatoments. 11

The Jaspar Foundation

Statement of Cash Flows

Period from 1st July 2021 to 31st December 2022

31 Dec 22 30 Jun 21
Note £ £
Cash generated from operations 19 (90,909) 780,022
Interest received 1 3,572
---------------------------- --------------------------------
Net cash (used in)/from operating activities (90,908) 783,594
============================ ================================
Cash flows from investing activities
Dividends, interest and rents from investments 779,228 326,901
Purchases of investment property (3,065,955) (9,451,447)
Proceeds from sale of investment property 1,712,500 2,495,000
Legal fees on disposal of property (28,761) (39,934)
----------------------------------------- -----------------------------------------
Net cash used in investing activities (602,988) (6,669,480)
========================================= =========================================
Cash flows from financing activities
Proceeds from borrowings 840,473 4,198,500
Interest paid (392,813) (65,571)
----------------------------------------- -----------------------------------------
Net cash from financing activities 447,660 4,132,929
========================================= =========================================
Net decrease in cash and cash equivalents (246,236) (1,752,957)
Cash and cash equivalents at beginning of period 789,761 2,542,718
-------------------------------- -----------------------------------------
Cash and cash equivalents at end of period 543,525 789,761
================================ =========================================

The notes on pages 13 to 19 form part of these financial statements.

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The Jaspar Foundation

Notes to the Financial Statements

Period from 1st July 2021 to 31st December 2022

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The registered address of the principal office is 173 Cleveland Street, London, W1T 6QR, United Kingdom.

The trading address of the charity is Stanmore House, 15-19 Church Road, Stanmore, Middlesex, HA7 4AR.

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 Charities Act 2011.

3. Accounting policies

Change to reporting date

The financial statements have been prepared for a period greater than 12 months so that the balance sheet date aligns with that of the Jaspar Group of entities.

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 trustees believe that due to the availability of reserves, there are no material uncertainties about the Foundation's ability to continue for at least the next 12 months from the date of this report.

Judgements and key sources of estimation uncertainty

The trustees do not consider that there are any sources of estimation uncertainty at the reporting date that has a significant risk of causing material adjustment to the carrying amounts of assets and liabilities within the next reporting period.

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 fall into one of two sub-classes: restricted income funds or endowment funds.

- 13 -

The Jaspar Foundation

Notes to the Financial Statements (continued)

Period from 1st July 2021 to 31st December 2022

3. Accounting policies (continued)

Incoming resources

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

Resources expended

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

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

Investments

Unlisted equity investments are initially recorded at cost, and subsequently measured at fair value. If fair value cannot be reliably measured, assets are measured at cost less impairment.

Listed investments are measured at fair value with changes in fair value being recognised in income or expenditure.

- 14 -

The Jaspar Foundation

Notes to the Financial Statements (continued)

Period from 1st July 2021 to 31st December 2022

3. Accounting policies (continued)

Investment property

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

Subsequently, investment properties are revalued to its fair value at each reporting date and any changes in fair value are recognised in income or expenditure.

4. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2022 Funds 2021
£ £ £ £
Donations
Donations received 101,441 101,441 530,902 530,902
================================ ================================ ================================ ================================
Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2022 Funds 2021
£ £ £ £
Income from investment properties 779,228 779,228 326,901 326,901
Bank interest receivable 1 1 3,572 3,572
-------------------------------- -------------------------------- -------------------------------- --------------------------------
779,229 779,229 330,473 330,473
================================ ================================ ================================ ================================
Investment management costs
Unrestricted Total Funds Unrestricted Total Funds
Funds 2022 Funds 2021
£ £ £ £
Interest payable 392,813 392,813 65,573 65,573
Loan arrangement and valuation fees 39,993 39,993 28,363 28,363
Rent & rates (5,392) (5,392)
Legal & professional fees 3,306 3,306 23,764 23,764
-------------------------------- -------------------------------- -------------------------------- --------------------------------
436,112
================================
436,112
================================
112,308
================================
112,308
================================

5. Investment income

6. Investment management costs

7. Expenditure on charitable activities by fund type

Unrestricted Total Funds Unrestricted Total Funds
Funds 2022 Funds 2021
£ £ £ £
Charitable donations 295,855 295,855 71,661 71,661
Grant funding of events 79,316 79,316
Support costs 54,791 54,791 25,158 25,157
-------------------------------- -------------------------------- ---------------------------- ----------------------------
429,962 429,962 96,819 96,818
================================ ================================ ============================ ============================

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The Jaspar Foundation

Notes to the Financial Statements (continued)

Period from 1st July 2021 to 31st December 2022

8. Expenditure on charitable activities by activity type

Activities
undertaken Support Total funds Total fund
directly costs 2022 2021
£ £ £ £
Charitable donations 295,855 295,855 71,661
Grant funding of events 79,316 79,316
Governance costs 54,791 54,791 25,157
-------------------------------- ---------------------------- -------------------------------- ----------------------------
375,171 54,791 429,962 96,818
================================ ============================ ================================ ============================

9. Net losses/(gains) on investments

Unrestricted Total Funds Unrestricted Total Funds
Funds 2022 Funds 2021
£ £ £ £
(Gains)/losses on investment property (1,192,175)
=========================================
(1,192,175)
=========================================
343,578
================================
343,578
================================

10. Auditors remuneration

Period from
1 Jul 21 to Year to
31 Dec 22 30 Jun 21
£ £
Fees payable for the audit of the financial statements 5,500
=======================
6,500
=======================

11. Staff costs

The average head count of employees during the period was Nil (2021: Nil).

No employee received employee benefits of more than £60,000 during the year (2021: Nil).

12. Trustee remuneration and expenses

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

- 16 -

The Jaspar Foundation

Notes to the Financial Statements (continued)

Period from 1st July 2021 to 31st December 2022

13. Investments

Investment
properties
£
Cost or valuation
At 1st July 2021 9,439,959
Additions 3,065,955
Disposals (1,700,000)
Fair value movements (1,175,914)
-----------------------------------------
At 31st December 2022 9,630,000
=========================================
Impairment
At 1st July 2021 and 31st December 2022
Carrying amount
At 31st December 2022 9,630,000
=========================================
At 30th June 2021 9,439,959
=========================================

All investments shown above are held at fair value.

Investment properties

The valuation of investment properties was carried out at the balance sheet date by the Trustees with the use of a third party agent on an open market basis. No depreciation or amortisation is provided in respect of these properties. The historical cost of the investment properties amounted to £10,842,677 (30 June 2021: £9,376,057).

14. Debtors

31 Dec 22 30 Jun 21
£ £
Trade debtors 12,131
Prepayments and accrued income 20,914 87,404
Other debtors 1,540
---------------------------- ----------------------------
33,045 88,944
============================ ============================
Creditors: amounts falling due within one year
31 Dec 22 30 Jun 21
£ £
Bank loans and overdrafts 3,456,410 68,000
Trade creditors 33,151
Accruals and deferred income 139,390 127,107
Social security and other taxes 10,676
Other creditors 182,347 13,445
----------------------------------------- --------------------------------
3,821,974
=========================================
208,552
================================

15. Creditors: amounts falling due within one year

The bank loans are secured by debentures, legal charges over the investment properties, rent charge agreements and certain cash deposits held with the lenders. There are also personal guarantees from the Trustees limited to £2,797,000.

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The Jaspar Foundation

Notes to the Financial Statements (continued)

Period from 1st July 2021 to 31st December 2022

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

31 Dec 22 30 Jun 21
£ £
Bank loans and overdrafts 1,582,563 4,130,500
========================================= =========================================

The bank loans are secured by debentures, legal charges over the investment properties, rent charge agreements and certain cash deposits held with the lenders. There are also personal guarantees from the Trustees limited to £2,797,000.

17. Analysis of charitable funds

Unrestricted funds

At Gains and At
1st July 2021 Income Expenditure losses 31st December 2022
£ £ £ £ £
General funds 5,979,612 880,670 (866,074) (1,192,175) 4,802,033
========================================= ================================ ================================ ========================================= =========================================
At Gains and
1st July 2020 Income Expenditure losses At 30th June 2021
£ £ £ £ £
General funds 4,983,785 861,375 (209,127) 343,578 5,979,611
========================================= ================================ ================================ ================================ =========================================

18. Analysis of net assets between funds

Unrestricted Total Funds
Funds 2022
£ £
Investments 9,630,000 9,630,000
Current assets 576,570 576,570
Creditors less than 1 year (3,821,974) (3,821,974)
Creditors greater than 1 year (1,582,563) (1,582,563)
----------------------------------------- -----------------------------------------
Net assets 4,802,033 4,802,033
========================================= =========================================
Unrestricted Total Funds
Funds 2021
£ £
Investments 9,439,959 9,439,959
Current assets 878,705 878,705
Creditors less than 1 year (208,552) (208,552)
Creditors greater than 1 year (4,130,500) (4,130,500)
----------------------------------------- -----------------------------------------
Net assets 5,979,612 5,979,612
========================================= =========================================

- 18 -

The Jaspar Foundation

Notes to the Financial Statements (continued)

Period from 1st July 2021 to 31st December 2022

19. Cash generated from operations

31 Dec 22 30 Jun 21
£ £
Net (expenditure)/income (1,177,579) 995,827
Adjustments for:
Net losses/(gains) on investments 1,192,175 (343,578)
Dividends, interest and rents from investments (779,228) (326,901)
Other interest receivable and similar income (1) (3,572)
Interest payable 392,813 65,571
Changes in:
Trade and other debtors 55,899 292,035
Trade and other creditors 225,012 100,640
----------------------------------------- --------------------------------
(90,909) 780,022
========================================= ================================

20. Analysis of changes in net debt

At
At 1 Jul 2021 Cash flows 31 Dec 2022
£ £ £
Cash at bank and in hand 789,761 (246,236) 543,525
Debt due within one year (68,000) (3,388,410) (3,456,410)
Debt due after one year (4,130,500) 2,547,937 (1,582,563)
----------------------------------------- ----------------------------------------- -----------------------------------------
(3,408,739)
=========================================
(1,086,709)
=========================================
(4,495,448)
=========================================

21. Related parties

During the period, the Foundation received donations totalling £80,000 (30 June 2021: £500,000) from the Trustees and their related parties.

During the period, the Foundation paid £7,738 (30 June 2021: £84,456) for professional fees to Jaspar Management Limited, a company in which two Trustees, Mr R Pankhania and Mr A Pankhania are also directors of this company.

- 19 -