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2021-03-31-accounts

YORK AND DISTRICT CITIZENS ADVICE BUREAU

ANNUAL REPORT AND FINANCIAL STATEMENTS

YEAR ENDED 31[ST] MARCH 2021

CHARITY REGISTRATION NO. 1133516

A COMPANY LIMITED BY GUARANTEE COMPANY REGISTRATION NO. 7004444 (ENGLAND & WALES)

YORK AND DISTRICT CITIZENS ADVICE BUREAU

CONTENTS

PAGE
Contents 1
Legal & Administrative Information 2
Chair’s Report 3-4
Trustees Annual Report 5-10
Statement of Financial Activities 11
Balance Sheet 12
Statement of Cash flows 13
Notes to the Accounts 14-27
Independent Examiner’s Report 28

1

YORK AND DISTRICT CITIZENS ADVICE BUREAU

LEGAL AND ADMINISTRATIVE INFORMATION

Directors/Trustees

The following people were Directors and Trustees of the charity on the date of approval of the report or served during the year:

John Short Chair of Trustees Jacqueline Flynn Treasurer - appointed 30[th] July 2020 Alexander Schofield Resigned 7[th] September 2020 Simon Crack Victoria Ling-Williams Simon Mallett Steven Clark Resigned 24[th] Sept 2020 Margaret Everall Resigned 25[th] March 2021 Manar Matusiak Graham Gabriel Resigned 30[th] July 2020 John Nodder Rebecca Blues Appointed 25[th] March 2021 Shirley Riley Appointed 25[th] March 2021 Samantha Williams Appointed 25[th] March 2021 Council Representative Cllr Nigel Ayre Chief Executive Fiona Derbyshire Company Secretary John Nodder resigned 21[st] January 2021 Helen Digwood – appointed 21[st] January 2021

Registered Charity No. Company Registration No. Principal address and Registered office

Independent examiner

1133516 7004444 West Offices Station Rise York YO1 6GA Karen Wood ACMA Outsource Accounting Services & Independent Examinations Hiscox Building Peasholme Green York YO1 7PR

Bankers

Co-operative Bank PO. Box 250 Skelmersdale WN8 6WT

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

2020-21 CHAIR’S REPORT

The many and various problems caused by the Covid 19 pandemic brought into even sharper focus how vital it is for people to be able to get free informed, impartial and independent advice, whatever the problem and whenever they need it.

Throughout 2020-21, despite the operational difficulties caused by the Covid pandemic, the Citizens Advice York (CAY) team of staff and volunteers remained focused on the core aims of the service

In this context it’s good to be able to report again that we helped over 5000 people and maintained the good quality of our work. We were also able to improve the bureau’s financial resilience.

Providing advice and support for the people of York

The advice we provide can make a huge difference to people’s lives, especially at times of real need and uncertainty like now. In 2020-21 CAY helped 4652 clients in York with 12760 different issues and a further 488 with quick enquiries or signposting. In total we helped them claim over £1.2m of previously unclaimed benefits or tax credits and manage or write off debts of over £1m.

CAY takes pride in the quality of our work and it’s good to report that the national Citizens Advice organisation, which audits our work on a regular basis, rated it consistently green for client outcomes and customer service.

2020-21 Financial Performance

As an independent local charity we’re entirely reliant on funding the work we do with grants or fees for specific services and projects, together with the money we raise through various fundraising activities and donations.

Overall funding continues to be very tight, both for our core General Advice Service and the many and various projects we run. With many funders under serious financial pressure generating sufficient income is certainly going to become more difficult in the next few years. Income from fundraising activities is also difficult to predict. This all makes budgeting and planning difficult.

At the start of 2020-21, largely but not wholly because of Covid, the situation was very uncertain. A deficit of £20k was budgeted, with a commitment to at least reach a break-even position. I’m able to report that the outcome, with income, including donations, £26k higher than budget, and costs coming in below budget, was a surplus of £42k. Unrestricted reserves, a good indicator the bureau’s financial resilience, had increased by £49k at the year end.

Governance

The board completed the annual Trustee Self Assessment, annual Strategic Capability Assessment and Chair appraisal. They also reviewed the trustees’ mix of skills and experience. Together with the results of the national organisation’s annual Leadership Self Assessment these provide confidence that governance is good.

During the year Graeme Gabriel, Stephen Clark and Margaret Everall ended their time as trustees and I would like to thank them for their considerable contribution. We welcomed four new trustees to the board: they bring a mix of excellent core and specialist skills.

My second term of office as Chair ends in October next year. Arrangements to appoint my replacement are complete and an announcement will be made very shortly

Thank you to staff and volunteers

At the end of 2019-20 staff and volunteers worked tirelessly, and with enormous commitment, to move from a predominantly face to face service in the City Council offices and outreach venues to one where everyone was working from home using telephone, email and webchat. These arrangements continued throughout 2020-21. Yet despite the stresses and strains this put on everyone involved the team again managed to help more than 5000 clients and scored Green (minimal risk) in the national Citizens Advice Quality of Advice Assessment.

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

This was a splendid achievement that demonstrates clearly the team’s resilience and professionalism. To each and every one of you very well done and thank you.

We’ve been joined during the year by a number of new volunteers and new staff: a warm welcome to all of you. I trust you enjoy working with us and thank you for joining the team.

2021-22 and Beyond

The Covid 19 restrictions meant we continued to work almost exclusively remotely into the spring and summer of 2021. Where necessary a few clients have been seen in person, but only in the last month or two have we been able to start planning to have more people working and seeing clients in the office and Outreach venues.

Personal interaction with clients and colleagues has many important benefits and, as the situation allows in the medium to longer term, we will be seeing more clients in the office and Outreach venues. However, email, web chat and the phone will undoubtedly have a far greater role than before the pandemic. Fiona

Volunteers

Volunteers are involved in every aspect of what we do: providing advice in West Offices, telephone advice on Adviceline, Webchat support, working on reception, administration or fundraising. We estimate the value contributed by volunteers in 2020-21 was worth c. £250,000.

Volunteering with CAY is a worthwhile and enjoyable role. Recruiting and training volunteers, particularly to be advisors, remain key challenges. I’m glad to say there’s continued to be good interest in joining the team since March 2020 and hopefully some increased flexibility in working arrangements offered by digital channels will help ensure this continues.

Funding

Overall funding continues to be very tight, both for our core General Advice Service and the many and various projects we run. With many funders under serious financial pressure generating sufficient income is almost certainly going to become more difficult in the next few years. Income from fundraising activities is also difficult to predict. This all makes budgeting and planning difficult.

The City of York Council (CYC) remain consistent and generous funders, and indeed supporters, of CAY. Thank you. Their funding is in two parts. For the core General Advice Service we’re now in the second of a four year funding arrangement and benefitting from the medium certainty this provides. We also receive funding from them for a number of important projects including Advice and Information cafes and GP Outreach.

Each year, in addition to the CYC funding, we also have separately to raise some £30,000 to £40,000 plus to cover the full cost of the General Advice Service. Some of this comes from grants for training, various fundraising activities and one-off donations, but there is still large gap to fill. To do this we launched, in 2019, a Friends of CAY scheme for businesses and private individuals. In return for their regular financial support for our General Advice Service all Friends are kept up to date with what we’re doing through newsletters and our Annual Review. Friends are also invited to our AGM. This includes a keynote talk, which this year will be a double header by both York MPs.

I’d like to thank all our Friends for their support; their regular contributions are very welcome and hugely helpful.

In summary 2020-21 was uniquely challenging but CAY was still able to maintain the level and quality of the service and improve its financial resilience. As we look through the remainder of 2021-22 and into the following year challenges and uncertainties are still there and will certainly become more difficult. The Trustees and the CEO are actively working to address them and, along with staff and volunteers, are all committed to continue striving to meet demand and deliver a high standard of advice and client service to the people of York.

John Short Chair

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

TRUSTEES’ ANNUAL REPORT FOR THE YEAR ENDED 31[ST] MARCH 2021

The Trustees, all of whom are also Directors for the purposes of company law, present their annual report and financial statements for the year ended 31[st] March 2021.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governance

York and District Citizens Advice Bureau is an independent registered charity, No. 1133516, and a company limited by guarantee, No. 7004444. York and District Citizens Advice Bureau is also known as Citizens Advice York. The charity operates in accordance with the terms of its Memorandum and Articles of Association.

The Charity was originally established in October 1941 and registered with the Charity Commission in 1980, Charity Registration No. 509600, as an unincorporated association. The new charitable company was incorporated on 29[th] August 2009 and registered with the Charity Commission on 13[th] January 2010. On 1[st] April 2010 all the assets and liabilities of the former charity were transferred to the new charitable company.

Recruitment and appointment of Trustees

Members of the Trustee Board are the charity Trustees for the purposes of charity law and are also Directors for the purposes of company law.

The maximum number of Trustees is fifteen and the minimum is three. Appointment is by election at the Annual General Meeting, or by being co-opted by the Trustee Board, provided that on appointment the total number of co-opted Trustees does not exceed one third of the total number of Trustees.

All elected Trustees retire from office at the third annual general meeting following the annual general meeting at which they were elected but may be re-elected.

Due to the nature of the charity the Trustee Board seeks to ensure that the needs of the community are appropriately reflected through the diversity of the Trustee body. Trustees are drawn from all sections of the community and include individual members and members of organisations, who use their skills and experience to lead and govern the charity.

Induction and training of Trustees

All new Trustees receive an induction. This includes copies of key policies and procedures, information about the charity and the responsibilities of being a Trustee and the opportunity to meet staff and volunteers. Board members also have access to internal training sessions run by Citizens Advice York as well as courses offered by Citizens Advice nationally. All new Trustees have a follow up meeting with the Chair of Trustees after 6 months to review the induction process.

All Trustees take an active part in the management of Citizens Advice York.

Organisational Structure

Citizens Advice York is governed by its Trustee Board which is responsible for setting the strategic direction of the organisation and the policy of the charity. The Trustees carry the ultimate responsibility for the conduct of the charity and for ensuring that the charity satisfies its legal and contractual obligations. The Trustee Board meets as a minimum every two months and delegates the day to day management of the charity to the Chief Executive.

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

Related Parties

Citizens Advice York is a member of Citizens Advice, the operating name of the National Association of Citizens Advice Bureaux, which provides a framework for standards of advice and casework management as well as monitoring progress against these standards. Operating policies are independently determined by the Trustee Board of Citizens Advice York in order to fulfil its charitable objects and comply with the national membership requirements.

The charity also co-operates and liaises with a number of other advisory services, local charities and local authority departments on behalf of clients. Where one of the Trustees holds the position of Trustee or Director of another charity they may be involved in discussions regarding that other charity but not in the ultimate decision-making process.

A City of York Council representative is also invited to attend Citizens Advice York Trustee Board meetings.

Risk Management

The Trustees have considered and reviewed the risks to which the charity is exposed and have established systems and procedures to manage them. The Audit and Risk committee maintains an effective internal control and risk framework and assists the Board to ensure compliance with standards and guidelines issued by Citizens Advice and other regulatory bodies. The risk register is reviewed regularly and Trustees ensure that action plans are in place to mitigate key risks identified and puts in place additional measures such as infection control measures during the COVID pandemic.

OBJECTIVES AND ACTIVITIES

The Charity’s objects, as detailed in the Memorandum and Articles of Association, are “to promote any charitable purpose for the public benefit by the advancement of education, the protection and preservation of health and the relief of poverty, sickness and distress in particular, but without limitation, for the benefit of the community in York and surrounding areas”.

To achieve these objectives Citizens Advice York aims to provide free, confidential, impartial and independent advice and information for the benefit of the local community, to exercise a responsible influence on the development of social policies and services and to ensure individuals do not suffer through a lack of knowledge or an inability to express their needs effectively.

Public Benefit

The Trustees have paid due regard to the Charity Commission’s guidance on Public Benefit in deciding the activities undertaken by Citizens Advice York during the year. The Trustees are satisfied that the information provided in the report and accounts meets the public benefit reporting requirements.

Our current activities aim to meet our objectives through the delivery of free, confidential advice and information that is accessible to all:

General Advice Service

The core and largest part of our work is a comprehensive General Advice Service. This is staffed by a team of highly trained volunteer advisers, supported by experienced professional supervisors.

The service provides independent information and advice on a wide range of issues including welfare benefits, debt, housing, employment law and immigration. In normal circumstances, it comprises a Drop In Service from the central York office (co-located with the City of York Council offices), a telephone advice service (Adviceline), a dedicated ‘Help to Claim’ service and a specialist welfare benefits team supporting clients with more in-depth case work.

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

Clients are seen at our central York office at drop-in sessions on three mornings a week. They have an ‘Initial check’ with a supervisor and are given information, directed to an organisation better able to help them or (in over 70% of instances) given a same day appointment with an adviser.

From mid March 2020 onwards face to face services have been impacted by restrictions due to the Coronavirus pandemic. All advice shifted to digital and phone channels using the national Citizens Advice Adviceline and webchat for local calls and chat. In addition email and phone numbers were provided in outreach areas and call back forms were offered to enable clients to self refer through our website. It is likely that a blended service offering some drop in for clients in need of face to face in community locations and at West Offices as well as a continuation of all digital channels.

Outreach

We also normally provide general advice at a number of Outreach locations including Huntington, Haxby and Wigginton, Acomb, Clifton, Heworth and Tang Hall, Mickelgate and Guildhall and Holgate and some local GPs’ surgeries. These outreach sessions would provide a more accessible and community based service to those less able to access our city centre office. We also offer ‘Advice and Information Cafes’ in some outreach locations which offer informal settings and are staffed by an adviser and/or an information officer. Since March 2020 all outreach advice has been provided via dedicated phone numbers and through general digital channels. Drop in and face to face is set to resume in September 2021 and will form a blended service with digital channels.

Money and debt advice

Our money and debt advice service allows us to give in-depth help to people who are struggling to manage their finances. Our debt team is funded by the Money Advice Service and City of York Council.

Research & Campaigns

In 2020-21, we continued our strong research and campaigning work on local and national issues. Research & Campaign volunteers, with our team of advisers submitted evidence forms to national Citizens Advice across the year. Evidence forms are the way we highlight cases where the client is facing particular detriment due to a systemic issue, or an issue where policy is unfair and needs changing as a result. These are then gathered together by national Citizens Advice and used to campaign for change. We expanded our research work to incorporate larger scale reports and campaigns. This included research projects into student housing in collaboration with York University Students Union and and the development of our zero hours contracts report from last year with the benefit of a student intern. The latter will be published later in 2021. We were also lucky enough to benefit from a paid student researcher to undertake research via public surveys in York outer wards to identify demand for our services there. This report will be published later in 2021.

CHIEF EXECUTIVE’S REPORT

ACHIEVEMENTS AND FUTURE PLANS

This year saw the continued impact of the COVID pandemic in the UK. It meant 60 + years of face to face delivery of advice had to stop over night and it ushered in a time of unprecedented change for clients and advisers as the impact rolled out. With many of our volunteers in the older age range many were required to self isolate. Vulnerable clients who had been routinely free to come and seek our support could no longer do so through our drop in service at West Offices or in our community based venues.

Our volunteers and staff rose to the challenge and regardless of personal challenges and fear transitioned readily to providing advice by phone and Adviceline. In time we added webchat and call back forms. We helped almost as many clients as before the pandemic which was testament to our teams skills and adaptability to new delivery models. Many of those clients needed more support and had more issues than pre pandemic indicating the sheer detriment to many people who live in York of the various COVID measures and restrictions. Our clients were often new to claiming benefits and were younger. Stories of their lives being totally derailed were difficult for even experienced advisers to deal with. We had to offer suicide awareness and training to support our team.

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

We continued to meet York’s advice needs and targets with high quality standards and positive client feedback ratings.

Our debt service provided more complex debt advice including high numbers of Debt Relief Orders for clients in financial crisis. We continued to support GP surgeries with advice via and worked with CVS on social prescribing.

I worked with key partners in the City on digital inclusion having produced a report on the risk to our older and disabled clients in accessing services digitally. We continue to undertake research to ensure we are adapting our service to be accessible to all.

I worked on regional recovery panels to with local authority and other sector stakeholders giving key contributions on challenges our clients were facing.

As the year progressed and COVID rules changes we flexed each time it looked as if face to face would be allowed, working with CYC, the libraries, Tang Hall big local and ward venues to resume in person advice. Staff and volunteers showed willing to face the risk of infection although we worked hard to limit risk. Each time we were thwarted as rules changed again.

Whilst the change and demand on us has been great we have continued to serve our clients by whatever means we could.

Our Help to Claim and Welfare Benefits work supported clients in need and we continued to provide essential help to residents with EU Settled status applications as the deadline for applications loomed. Our Yorlaw free legal service has supported clients with family and employment issues throughout even when solicitors were unable to provide pro bono support.

With the University of York Students Union we have launched our research on student housing and worked to have students voices heard on the challenges they face in the private rented sector. We continued to expand on our zero hours and insecure employment research to examine this through the lense of COVID and will raise awareness through campaigns and work on solutions with our partners in response.

With all events cancelled our fundraising plans were thwarted. It is only thanks to our Friends and donors that we were able to avoid financial challenges that many others in the sector face.

I continue to use our voice and work hard to strengthen relationships with stakeholders and partners to ensure that we remain relevant to the City’s future and our offer is both effective and valued and our client’s needs are met. I am immensely proud to head up this organisation but am humbled by the outstanding dedication and quality of service our team and volunteers tirelessly provide.

We are looking at providing more community based advice and continue to offer all channels so that clients can contact us in the way they choose. We will work on funding to enable this. We are working with partners on expanding our pro bono legal services as part of an ambitious project with colleagues in mid and North Yorkshire. We are talking to the health sector about the value of what we do to help and prevent clients physical and mental health issues from deteriorating by helping them with their problems.

We ended the year on a reasonable high which will enable us to weather the storms of a much less certain and far more challenging future.

Fiona Derbyshire Chief Executive

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

FINANCIAL REVIEW

Financial Position

Incoming resources for the year were £449,354 (2020: £433,325). Of this £273,614 related to project restricted activities (2020: £283,635)

A surplus of £42,401 was achieved in the year (2020: surplus of £5,634), of which, £49,062 surplus relates to unrestricted funds and a £6,661 deficit related to restricted funds which is offset against restricted funds brought forward. At 31 March 2021 total funds were £197,300 of which £174,755 represented unrestricted funds (2020 £125,693).

Principal Funding Sources

The Trustees are grateful to all the organisations and individuals who have given grants or donations during the year. The principal funding sources were as follows:

City of York Council: The largest grant received during the year was the core grant of £150,100 towards the delivery of the general advice service. The Council also supported a number of specialist projects including the GP Outreach, the continuation of Advice & Information Cafes around the city and ward grants for advice outreaches

Money Advice and Pensions Service (MAPS): continued grant funding for 1.6 FTE’s providing much needed additional capacity for the debt advice service.

Citizens Advice: Citizens Advice has funded support for clients making Universal Support claims and also energy advice projects via funding from energy companies.

SJP Law: SJP Law provided funding for specialist outreach at York Hospital.

Two Ridings Community Foundation: provided funding to support services changes required for remote working during Covid lockdown

The charity did not have any borrowings from providers of funding or other sources at the balance sheet date.

The Trustees remain committed to finding new and diverse funding sources and to safeguarding and increasing reserves in order to ensure the charity has a secure financial base for the future.

Reserves Policy

Citizens Advice York aims to ensure that free monies are available in each financial year to meet any reasonably foreseeable contingency, including loss of income and necessary but unbudgeted cost. The charity maintains a projection of income for the future and endeavours to ensure that this continues to be derived from as wide a variety of sources possible.

In reviewing the potential costs that could arise should a significant reduction in income or the need for unbudgeted expenditure occur the Trustees have determined that free reserves of £101,738 should be maintained which is equal to 3 months normal operating expenditure for the General & Specialist Advice services including general overheads. This is in addition to designated funds of £43,000. The current level of unrestricted funds (excluding designated funds and fixed assets) is £131,755 which would cover approximately 3.9 months. In the longer term Trustees consider it prudent to aim to increase the level of reserves to 6 months. The reserves policy is monitored and reviewed by Trustees annually.

Designated Funds

Unrestricted funds have been designated for the following purposes: -Contingency reserve:– £38,000 set aside to cover any costs arising in the event of the charity's closure, such as redundancies.

-Equipment reserve:– £5,000 set aside towards future equipment requirements.

9

The Trust￿5 are free to designate fvnds in thi5 way, and to rel&ase such funds to make them available for general purposes as they see fil. Re8trictsd Fund8 Dataijs of Restricted Funds grv set out in 17 to Ihe A¢￿unt$. These funds are restTithd by the donor c funder and cannot be used for the general puwes of the charity. Their existence, and the sums of money therein, do not impty that there has been an under spend but may result from a vartety of ciicumstances including timing differences betsveen the charity's financial year and the funding year of the project concemed. Investsnént Pollcy As detailed in its MemoranduTn paragraph 4.19, in furtherance of its objects. and for no otheT puiposes, the Company has the power to invest the monies of the Company not Immediately required for its PLFtposes in or u￿n such investments. securiktes or propety a5 may be thought fil, suty'ect r￿verth￿eSS to s￿h conditions and Suth consents as may for the lime being be inwosed or required by Owlng lo the natufe ol its funding the ehaiity has no long-lemi 4nveslrnenls, but il keeps monies not required in the short tem in a n￿n0th"Ce doposrt Yaount with Scottish Wd¢)w$. The Trustees review the interest rates availabl8 from tirne to to enwre a reasonable return on deposits is being xhie¥ed. DIRECTORS, RESPONSIBILMES The charrty trustees (who ale also the directors of York and District Citizens AdY￿e Bureau for the purposes of company lawl are responsibte for preparing a trustees annual report and financial statements In accordance wilh appluble law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) Company law requires the charity trustees to prepare financial statements for each year which give a true and fairview of the slate of affairs of the chartsble company and of the incoming resources and applialK)n of resources in that period. In preparing the finanGial statements, the Trustees are required to". . sekcl sul(able accounting pdKies and then 4)pty them consi8tentty,' observe the methods and principles in Ihe Charities SORP- • make judgements and estimates that are reasonab￿ and prudent., State whether applicable UK accounting standards have been followed. subject to any material departures di$cb$ed a￿1 explained in the financial statements- • prepare the fin8nci81 statements on the going concern b8sis unless f( is inappropriate to presume that the charlty will cont#)ue in business. The Tnjslees are responsible for keeping proper accounting words that disdose with rea8on8ble accuracy at any lime the financial position of the chaity and to enablg them to ensure that the financial statements comply with the Companies Act 20C6. They are also responsible for safegu8T(ling the assets of the charity and hen￿ taking feasonable steps for the prevention and Oetection of fraud and other irregulartties. The Trustees are responsibb for the Maintenar￿e and integrty of the corporate and fin￿Gla1 info￿ation included on the charitabl8 ccrfnpany's website. In preparing this report, the TruSt￿S have taken advantage of the small companies exemption. The Trustees declare that they have approved the Trustees Annual Report and Accounts S. ned on behalfof the TDJste hn Short Chair of Trustees 10

YORK AND DISTRICT CITIZENS ADVICE BUREAU

STATEMENT OF FINANCIAL ACTIVITIES YEAR ENDED 31 MARCH 2021 (INCLUDING INCOME AND EXPENDITURE ACCOUNT AND STATEMENT OF TOTAL RECOGNISED GAINS AND LOSSES)

Unrestricted
Funds
Note
£
Income and endowments from:
Donations & legacies
3
25,308
Charitable activities
4
150,100
Investment income
5
82
Other income (including fundraising)
6
250
TOTAL INCOME
175,740
EXPENDITURE ON
Charitable activities
Raising funds
-
Advice and Information
7
132,606
TOTAL EXPENDITURE
132,606
NET INCOME/ (EXPENDITURE)
43,134
Transfers Between Funds
5,928
NET MOVEMENT IN FUNDS
49,062
Reconciliation of Funds
Funds brought forward at 1 April 2020
125,693
Funds carried forward 31 March 2021
174,755
Restricted
Funds
£
-
273,614
-
-
273,614
-
274,347
274,347
(733)
(5,928)
(6,661)
29,206
22,545
Total 2021
£
25,308
423,714
82
250
449,354
-
406,953
406,953
42,401
-
42,401
154,899
197,300
Total
2020
£
17,920
411,922
84
3,399
433,325
2,316
425,375
427,691
5,634
-
5,634
149,265
154,899

A comparative Statement of Financial Activites is found in Note 2

All of the Charity's activities derive from continuing operations during the above two periods.

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YORK AND DISTRICT CIIIZENS AOVICE BUREAU BALANCE SHEET AS AT 31 MARCH 2021 2021 2020 FIXED ASSETS Tanglble Assets 12 CURRENT ASSETS Deblors 13 45,634 29,055 Cash al bank and In hand 186.816 232.450 163,g62 193,017 CREDITORS: Amounts falllng duo wlthln one year 14 135,1501 {38,118) NETCURRENT ASSETS 197.300 154,899 TOTAL ASSETS LESS CURRENT LIABiunES 197,300 154.899 TOTAL NET ASSETS 197,300 154,899 FUNDS Restricted InGome lunds Designaled funds Unrestricted lunds 17 17 17 22.545 43,000 131,755 29,206 43,000 82,693 TOTAL FUNDS 197,300 154,89g The fin8ncl21 statemen on pages I re approved by the Trustees, and authorsled and signed on Ihelr behalf by for issu name.. Tnjstee Company Registration Number .' 7004444 (England & Wales}

YORK AND DISTRICT CITIZENS ADVICE BUREAU

STATEMENT OF CASH FLOWS YEAR ENDED 31 MARCH 2021

note
Cash flows from operating activities
Net income/(Expenditure) for the period
Adjusted for:
Depreciation charge
12
Investment income
5
Decrease/(increase) in debtors
13
(Decrease)/increase in creditors
14
Net cash flows from operating activities
Cash flows from investing activities
Interest receivable and similar income
5
Purchase of tangible fixed assets
12
Net cash flows from investing activities
Net increase/(decrease) in cash and cash equivalents
Cash and cash equivalents at 1 April 2020
Cash and cash equivalents at 31 March 2021
19
2021
£
42,401
-
(82)
(16,579)
(2,968)
22,772
82
-
82
22,854
163,962
186,816
2020
£
5,634
-
(84)
(10,018)
17,127
12,659
84
-
84
12,743
151,219
163,962

All of the cash flows are derived from continuing operations during the above two periods.

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

1. Accounting Policies

Basis of preparation

The financial statements have been prepared under the historical cost convention and in accordance 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 (FRS 102) (effective 1 January 2015) - (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.pplicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Citizens Advice York meets the definition of a public benefit entity under FRS 102.

Going concern

The trustees consider there are no material uncertainties about the Charity's ability to continue as a going concern. The review of our financial position, reserves levels and future plans gives Trustees confidence the charity remains a going concern for the foreseeable future.

Income and endowments

i) Recognition of income

Items of income are recognised and included in the accounts when all of the following criteria are met:

ii) Grants receivable

Grants made to finance the activities of the local Citizens Advice are credited to the income and expenditure account in the period to which they relate.

iii) Bank interest

Bank interest is included in the income and expenditure account on receipt.

iv) Gifts and Intangible income

In addition to the above, the charity also receives help and support in the form of voluntary assistance in advising the public. This help and support is not included in the financial statements. However, its value to the Charity has been estimated and disclosed in the Directors' Report.

v) Other income

Sales of services are included in the income and expenditure account in the period to which they relate. Other income, including donations, gifts and covenants are included as they were received.

vi) Deferred income

Grants received in advance of the period in which the funder requires the expenditure to be applied will be reflected in deferred income within the balance sheet.

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YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

Expenditure and irrecoverable VAT

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably.

Expenditure is classified under the following activity headings:

Support costs

Support costs include office and premises overheads, finance, admin and governance costs. They have been allocated to projects in proportion to staff time spent on each activity/project.

Operating Leases

Rental costs under operating leases are charged to the statement of financial activities in equal amounts over the period of the leases.

Tangible fixed assets and depreciation

Individual fixed assets costing £1,000 or more are capitalised at cost and are depreciated over their estimated useful economic lives on a straight line basis as follows:

Computer equipment 3 years on a straight line basis Fixtures, Fittings & office equipment 5 years on a straight line basis

Pensions

The charity operates a defined contribution group personal pension plan for its employees. Payments are charged to the income and expenditure account in the period in which they are incurred.

Accumulated funds

Restricted funds are subject to specific conditions by donors as to how they may be used. The purpose and uses of the restricted funds are set out in the notes to the accounts.

Designated funds comprise funds which have been set aside at the discretion of the trustees for specific purposes. The purposes and uses of the designated funds are set out in the notes to the

Unrestricted funds are funds that can be used in accordance with the charitable objects at the discretion of the trustees.

15

YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

2. Comparative Statement of Financial Activities Year Ended 31 March 2020 (Including Income And Expenditure Account And Statement Of Total Recognised Gains And Losses)

Income and endowments from:
Donations & legacies
Charitable activities
Investments
Other
TOTAL INCOMING RESOURCES
RESOURCES EXPENDED
Charitable activities
Raising funds
Advice and Information
TOTAL RESOURCES EXPENDED
NET INCOME/ (EXPENDITURE)
Transfers between funds
NET MOVEMENT IN FUNDS
Reconciliation of Funds
Funds brought forward at 1 April 2019
Funds carried forward 31 March 2020
Unrestricted
Funds
£
16,230
131,200
84
2,176
149,690
1,366
139,306
140,672
9,018
1,711
10,729
114,964
125,693
Restricted
Funds
£
1,690
280,722
-
1,223
283,635
950
286,069
287,019
(3,384)
(1,711)
(5,095)
34,301
29,206
Total 2020
£
17,920
411,922
84
3,399
433,325
-
2,316
425,375
427,691
5,634
5,634
149,265
154,899

16

YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

3. Income from Donations and Legacies

----- Start of picture text -----
Unrestricted Restricted Total
Funds Funds Total 2021 2020
£ £ £ £
Donations 25,308 - 25,308 17,920
Total 25,308 - 25,308 17,920
----- End of picture text -----

4. Income from Charitable Activity

Advice & Information Services:

£
Brelms Trust
-
Citizens Advice - BEIS Covid Fund
-
Citizens Advice - Broadband
-
Citizens Advice - Energy Advice
-
Citizens Advice - Help to Claim Citizens Advice
-
Citizens Advice - MAPS Face to Face Debt Advi
-
City of York Council - Acomb Ward
-
City of York Council - Advice & Infomation Cafés
-
City of York Council - Advice York
-
City of York Council - EU Settled Status
-
City of York Council - General Advice Service
150,100
City of York Council - GP Outreach
-
City of York Council - Guildhall Ward
-
City of York Council - Heworth Ward
-
City of York Council - Holgate Ward
-
City of York Council - Hull Road Ward
-
City of York Council - Micklegate Ward
-
City of York Council - Specialist Debt
-
Garfied Weston
-
Harrogate Citizens Advice
-
Haxby Town Council
-
Huntington Parish Council
-
Joseph Rowntree Trust
-
Refugee Action York
-
Shepherd Group
-
Stamp Jackson & Proctor
-
Tang Hall Big Local
-
Two Ridings Community Foundation - Covid
-
-
Wigginton Parish Council
-
York CVS
-
Your Consortium - Action Towards Inclusion
-
Total
150,100
Two Ridings Community Foundation - Surving
Winter
Funder
Unrestricted
Funds
Restricted
Funds
£
3,000
9,000
-
1,920
25,361
85,679
10,121
28,360
-
13,639
-
14,722
2,926
6,088
2,733
3,220
5,109
-
5,333
-
2,730
6,023
-
667
-
11,579
11,372
10,000
1,000
5,532
7,500
-
273,614
Total
2021
£
3,000
9,000
-
1,920
25,361
85,679
10,121
28,360
-
13,639
150,100
14,722
2,926
6,088
2,733
3,220
5,109
-
5,333
-
2,730
6,023
-
667
-
11,579
11,372
10,000
1,000
5,532
7,500
-
423,714
Total 2020
£
3,000
-
250
5,665
27,528
64,973
5,996
38,339
11,158
4,574
131,200
24,041
-
654
-
4,457
854
24,703
1,333
208
2,503
4,818
7,128
-
5,000
11,820
10,000
4,966
-
4,569
10,000
2,185
411,922

17

YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

5. Investment Income

£
Interest receivable on bank deposits
82
Total
82
6. Other Income
£
Other Income
250
Total
250
7. Resources Expended
Advice & information services:
£
Direct costs
101,926
Allocated Support Costs (note 7b)
30,435
Governance Costs
245
Total Resources Expended
132,606
7b. Support Costs
Staff Costs
£
Allocated Support Costs
84,529
8. Net incoming/outgoing resources
Net outgoing resources for the year include:
2021
£
Operating Lease costs - Land & Buildings
-
Operating Lease costs - Equipment
1,349
Depreciation
-
Independent Examiner fees
550
Unrestricted
Funds
Unrestricted
Funds
Unrestricted
Funds
Restricted
Funds
£
-
-
Restricted
Funds
£
-
-
Restricted
Funds
£
211,041
62,966
340
274,347
Other Costs
£
8,872
2020
£
15,000
1,633
-
550
Total 2021
£
82
82
Total 2021
£
250
250
Total 2021
£
312,967
93,401
585
406,953
Total 2021
£
93,401
Total 2020
£
84
84
Total 2020
£
3,399
3,399
Total 2020
£
328,668
95,716
991
425,375
Total 2020
£
93,937

Operating Lease costs - Land & Buildings was credited in full - £15000 for the year 20/21 due to Covid restrictions

18

YORK AND DISTRICT CITIZENS ADVICE BUREAU NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

9. Trustees remuneration and expenses

No Trustees, nor any persons connected with them: - were reimbursed for expenses throughout the year.

10. Staff Costs

Staff costs during the year were:

Staff costs during the year were:
Wages and salaries
Social security costs
Pension costs
2021
£
291,439
22598
17410
331,448
2020
£
298,392
17,820
6,609
322,821

The average number of full time equivalent employees during the year was

2021 2020
No. No.
Advice 5.5 5.8
Admin & support 0.8 0.9
Operational management 4.4 4.3
Senior management 0.9 0.7
Total 11.6 11.7

Volunteer Advice workers during the year were 8.6 FTE

No employee received emoluments of more that £60,000 during the year. (2020 - nil)

11. Taxation

No tax was charged in the year (2020 - £nil)

19

YORK AND DISTRICT CITIZENS ADVICE BUREAU NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

12. Tangible Fixed Assets

Cost
At 1 April 2020
Additions
At 31 March 2021
Depreciation
At 1 April 2020
charge for the year
At 31 March 2021
Net Book Value
At 1 April 2020
At 31 March 2021
13. Debtors
Trade Debtors
Accrued Income
Prepayments
Other Debtors
Total
14. Creditors
Trade Creditors
Deferred income
Taxation & social security
Accruals
Other Creditors
Total
Computer
Equipment
-
-
-
-
-
-
-
-
Other
Tangible
Assets
-
-
-
-
-
-
-
-
2021
£
38,132
5,635
1,867
-
45,634
2021
£
3,545
19,352
5,510
1,696
5,047
35,150
Total
-
-
-
-
-
-
-
-
2020
£
-
27,631
449
975
29,055
2020
£
-
26,031
5,844
4,270
1,973
38,118

20

YORK AND DISTRICT CITIZENS ADVICE BUREAU NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

15. Commitments Under Operating Leases

Total future minimum lease payments under non-cancellable operating leases are as follows:

Land & buildings
Within 1 year
Total
Equipment
Within 1 year
1 - 5 years
Total
2021
£
7,500
7,500
1,349
4,384
5,733
2020
£
15,000
15,000
1,348
-
1,348

16. Charity status

The Charity is a Charity limited by guarantee and consequently does not have share capital. Each of the member is liable to contribute an amount not exceeding £1 towards the assets of the Charity in the event of liquidation while they are members or within one year thereafter.

21

YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

17. Funds

17. Funds
Balance 1 Incoming Outgoing Balance 31
**April 2020 ** **Resources ** **Resources ** **Transfers ** March 2021
£ £ £ £ £
Unrestricted funds:
General Funds 82,693 175,740 (132,606) 5,928 131,755
Designated Funds 43,000 - - - 43,000
Pension reserve - - - - -
Total unrestricted funds 125,693 175,740 (132,606) 5,928 174,755
Restricted Funds:
Brelms Trust - 3,000 (3,000) - -
Citizens Advice - BEIS Covid Fund - 9,000 (9,000) - -
Citizens Advice - Broadband 1,000 - (1,000) - -
Citizens Advice - Energy Advice 2,470 1,920 (4,390) - -
Citizens Advice - Help to Claim Citizens Advice - 25,361 (25,361) - -
Citizens Advice - MAPS Face to Face Debt
Advice 1,328 85,679 (81,079) (5,928) -
City of York Council - Acomb Ward - 10,121 (8,282) - 1,839
City of York Council - Advice & Infomation
Cafés 5,184 28,360 (33,544) - -
City of York Council - Advice York 3,878 - (3,878) - -
City of York Council - EU Settled Status 1,054 13,639 (7,487) - 7,206
City of York Council - GP Outreach 272 14,722 (14,994) - -
City of York Council - Guildhall Ward - 2,926 (2,533) - 393
City of York Council - Heworth Ward 166 6,088 (5,538) - 716
City of York Council - Holgate Ward - 2,733 - - 2,733
City of York Council - Hull Road Ward - 3,220 (2,984) - 236
City of York Council - Micklegate Ward - 5,109 (4,554) - 555
City of York Council - Specialist Debt 2,290 - (2,290) - -
Garfied Weston 479 5,333 (5,812) - -
Hardship Fund 1,788 - (508) - 1,280
Haxby Town Council - 2,730 (2,730) - -
Huntington Parish Council - 6,023 (6,023) - -
Jack Brunton CT - Yorlaw 673 - (673) - -
Joseph Rowntree Trust 2,662 - (2,662) - -
Refugee Action York - 667 (625) - 42
Stamp Jackson & Proctor 1,437 11,579 (10,526) - 2,490
Tang Hall Big Local 1,140 11,372 (9,767) - 2,745
Two Ridings Community Foundation - Covid - 10,000 (10,000) - -
Two Ridings Community Foundation - Surving
Winter 225 1,000 (35) - 1,190
Two Ridings Community Foundation -
Research & Campaigns 2,083 - (2,083) - -
Wigginton Parish Council - 5,532 (4,785) - 747
York Childrens Trust 518 - (145) - 373
York CVS - 7,500 (7,500) - -
York Independent Living Network 559 - (559) - -
Total restricted funds 29,206 273,614 (274,347) (5,928) 22,545
Total funds 154,899 449,354 (406,953) - 197,300

22

YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

17. Funds (prior year comparative)

----- Start of picture text -----
||||||| |---|---|---|---|---|---| |Balance 1|Incoming|Outgoing|Balance 31| |April 2019|Resources|Resources|Transfers|March 2020| |£|£|£|£|£| |Unrestricted funds:| |General Funds|74,964|149,690|(140,672)|(1,289)|82,693| |-| |Designated Funds|40,000|3,000|43,000| |Total unrestricted funds|114,964|149,690|(140,672)|1,711|125,693| |Restricted Funds:| |Action Towards Inclusion|817|2,185|(3,002)|-|-| |Citizens Advice - Broadband|750|250|-|1,000| |-| |Citizens Advice - Energy Advice|2,466|5,665|(5,661)|2,470| |Citizens Advice - MAPS Face to Face| |Debt Advice|1,214|64,973|(64,859)|-|1,328| |City of York Council - Advice &| |Infomation Cafés|7,652|38,339|(40,807)|-|5,184| |-| |City of York Council - Advice York|2,721|11,158|(10,001)|3,878| |City of York Council - EU Settled| |Status|-|4,574|(3,520)|-|1,054| |City of York Council - GP Outreach|294|34,041|(34,063)|-|272| |City of York Council - Heworth Ward|4,819|11,961|(16,614)|-|166| |City of York Council - Specialist Debt|115|24,703|(22,528)|-|2,290| |CVS MIEB|250|-|(250)|-| |Friends - Sponsorship|700|-|(700)|-| |Garfied Weston|792|10,407|(10,720)|-|479| |Hardship Fund|1,996|1,339|(1,547)|1,788| |Harrogate Citizens Advice|-|208|(208)|-| |-|-| |Help to Claim|27,528|(25,750)|(1,778)| |Huntington Parish Outreach|-|4,818|(4,851)|33|-| |Jack Brunton CT - Yorlaw|1,076|-|(403)|673| |-|-| |Joseph Rowntree Trust|7,128|(4,466)|2,662| |-| |Stamp Jackson & Proctor|2,600|11,820|(12,983)|1,437| |-| |Tang Hall Big Local|1,513|10,000|(10,373)|1,140| |Two Ridings Community Foundation -| |Surving Winter|-|500|(275)|225| |Two Ridings Community Foundation -|-| |2,137|4,966|(5,020)|2,083| |Research & Campaigns| |Wigginton & Haxby Outreach|-|7,072|(7,106)|34|-| |York Childrens Trust|1,830|-|(1,312)|518| |York Independent Living Network|559|-|-|559| |Total restricted funds|34,301|283,635|(287,019)|(1,711)|29,206| |Total funds|149,265|433,325|(427,691)|-|154,899|

----- End of picture text -----

23

YORK AND DISTRICT CITIZENS ADVICE BUREAU

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

17. Funds (continued)

The specific purposes for which the funds are to be applied are as follows:

DESIGNATED FUNDS:

The designated funds balance comprises the following designations taken from the general funds of the charity - Equipment Reserve £5000 - Contingency Reserve £38000

RESTRICTED FUNDS:

Brelms Trust

Funding to recruit and train more volunteers - funded by 3 funders

Citizens Advice - BEIS Covid Fund

Funding to support Covid measure required for remote working

Citizens Advice - Broadband

Funding to subsidise the move of broadband provider

Citizens Advice - Energy Advice

Funding for energy advice to people in York

Citizens Advice - Help to Claim Citizens Advice

Funding to support clients make a Universal Support claim

Citizens Advice - MAPS Face to Face Debt Advice

Funding for a Face to Face debt advice service

City of York Council - Acomb Ward

Funding for an outreach advice service in the Acomb Ward

City of York Council - Advice & Infomation Cafés

Funding for advice in informal café settings

City of York Council - Advice York

Funding to coordinate the partnership of advice agencies in York

City of York Council - EU Settled Status

Funding to assist EU migrant to receive settled status in the UK

24

YORK AND DISTRICT CITIZENS ADVICE BUREAU NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

City of York Council - GP Outreach

Funding for advice in GP surgeries

City of York Council - Guildhall Ward

Funding for an outreach advice service in the Guildhall Ward

City of York Council - Heworth Ward

Funding for an outreach advice service in the Heworth Ward

City of York Council - Holgate Ward

Funding for an outreach advice service in the Holgate Ward

City of York Council - Hull Road Ward

Funding for an outreach advice service in the Hull Road Ward

City of York Council - Micklegate Ward

Funding for an outreach advice service in the Micklegate Ward

City of York Council - Specialist Debt

Funding to provide a specialist debt advice project to vulnerable clients

Garfied Weston

Funding to recruit and train more volunteers - funded by 3 funders

Hardship Fund

Funding specifically to give small grant to clients experiencing finanical hardship

Haxby Town Council

Funding for an outreach advice service in Haxby Town

Huntington Parish Council

Funding for an outreach advice service in Huntington

Jack Brunton CT - Yorlaw

Funding to support clients of Yorlaw legal services

Joseph Rowntree Trust

Funding to give advice to the Refugee communities of York

25

YORK AND DISTRICT CITIZENS ADVICE BUREAU NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

Refugee Action York

Funding to give advice to the Refugee communities of York

Stamp Jackson & Proctor

Funding for advice in the head injury & Stroke unit at the hospital

Tang Hall Big Local

Funding for advice in Tang Hall

Two Ridings Community Foundation - Covid

Funding to support Covid remote working

Two Ridings Community Foundation - Surving Winter

Funding specifically to give small grant to clients experiencing winter hardship

Two Ridings Community Foundation -Research & Campaigns

Funding to support Research and Campaigns

Wigginton Parish Council

Funding for an outreach advice service in the Wigginton Parish

York Childrens Trust

Funding specifically to give small grant to clients in hardship with children

York CVS

Funding for advice in GP surgeries

York Independent Living Network

Funding for advice for clients engaged with the York Independent Living Network

TRANSFERS:

A transfer from 'Citizens Advice - MAPS Face to Face Debt Advice' to Unrestricted was the fund balance unspent at the end of year transferrable to Unrestricted with permission from the funder

26

YORK AND DISTRICT CITIZENS ADVICE BUREAU NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

18. Analysis of Net Assets Between Funds

Unrestricted
Designated
Restricted
Total
Unrestricted
Designated
Restricted
Total
Tangible
fixed assets
-
-
-
-
Tangible
fixed assets
-
-
-
-
Current
assets
136,001
43,000
53,449
232,450
Net current
assets
93,253
43,000
56,764
193,017
Current
liabilities
(4,246)
-
(30,904)
(35,150)
Current
liabilities
(10,560)
-
(27,558)
(38,118)
Total funds
2021
131,755
43,000
22,545
197,300
Total funds
2020
82,693
43,000
29,206
154,899

19. Analysis of Cash and Cash Equivalents

At 1 April 2020
Cash at bank and in hand
163,962
Total
163,962
At 1 April 2019
Cash at bank and in hand
151,219
Total
151,219
cashflow
22,854
22,854
cashflow
12,743
12,743
at 31 March 2021
186,816
186,816
at 31 March 2020
163,962
163,962

20. Related Party Transactions

There were no related party transactions during the year (2020 - £nil)

27