2020-12-31-accounts - Crossroads Women

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Crossroads Women

25 Wolsey Mews, Kentish Town, London NW5 2DX Tel: 020 7482 2496 Fax: 020 7267 7297

contact@crossroadswomen.net www.crossroadswomen.net

Report of activities January – December 2020

ABOUT CROSSROADS WOMEN

OBJECTIVES

Crossroads Women was formed in 2009 to renovate and run an expanded more accessible Crossroads Women’s Centre in Kentish Town, north-west London. The Women’s Centre has existed in different venues in the London Borough of Camden since 1976. We have been at 25 Wolsey Mews since April 2012. Through the Centre, women and their loved ones participate in self-help and peer support activities, volunteer, learn new skills, get support for community, cultural, educational, health, environmental or social projects, and access help and information about their rights including to escape racial and sexual violence.

Advance the education of the public by study and research into race and community relations (with particular reference to women) and by the publication of the results of such research for the benefit of the public;
Maintain and run a centre for use by women (without distinction as to political, religious or other opinions) and women’s groups at which meetings, lectures, classes and other forms of recreation and leisure-time occupation may take place;
Advance other charitable purposes, as the Trustees may from time to time decide.

Beneficiaries include single mothers, women with disabilities or health problems, asylum seekers, immigrant and refugee women, survivors of rape or other abuse, carers, students, grandmothers, pensioners, LBTQI, unemployed women, and low-waged workers.

TRUSTEES

They remain: Cristel Amiss, Carolina Begue, Solveig Francis, Claire Glasman, Selma James, Sylvia Salley.

CROSSROADS WOMEN’S CENTRE FOR ALL

The Centre provides a base and meeting space for women’s and community groups.

2020 was the fifth year of a second five-year grant from the Big Lottery Fund to develop the community services provided at the Centre.

The pandemic – how we adapted and responded

For most of the first three months of 2020 our work continued under the usual inperson conditions. After the first lockdown in March, we had to close the Women’s Centre to the public, redirect the mail, arrange remote access to the ansafone and computers/emails. The three staff, up to 15 volunteers plus trustees met every week (on zoom) to keep in touch and

discuss how to respond to emergency and calls for help etc.

Staff and volunteers (some of whom were shielding) rose magnificently to the occasion, to work from home as we rearranged our work to happen by phone, email and Zoom. In this way we were able to continue dealing daily with queries for help, information and support. A notice on our front door informed beneficiaries who still showed up how to contact us. On account of the pandemic we had to address a higher number of urgent enquiries that required us to do more research and to be creative in our responses.

When lockdown restrictions were temporarily relaxed, people did not feel comfortable for health reasons to travel in on public transport or open up to the public. Some people worked socially distanced at the Centre for essential appointments.

It quickly became clear that the impact of the pandemic was falling disproportionately heavily on women, especially women of colour and single mothers, who were losing jobs, trying to claim and survive on Universal Credit, increasing their unwaged caring work burden for vulnerable adults, children and neighbours as statutory support services were abruptly cut. People with disabilities were left in life-threatening situations.

Women were working from home while trying to home-school; managing the brunt of others’ anxieties, young and old; trying to maintain health in risky situations (overcrowded housing; front-line jobs); being bereaved; sometimes trapped with frustrated even violent partners, while experiencing anxiety about loved ones in care homes or hospital, and adjusting to the loss of family or friendship support networks. Women have expressed being at the end of their tether, but not being able to show it. This combination of factors has contributed to more mental health issues which may take years to resolve.

Access to self-help resources and information

We compiled and kept updated a list of survival resources on our website covering a range of emergency help from quick sources of funds and food boxes to helplines for domestic violence and eviction and where to get a Covid test quickly.
Self-help rights guides in relation to the family courts, benefit claims, breastfeeding, rape/other violence, fuel poverty, asylum/immigration could also be downloaded.
We applied for hardship funds and a number of beneficiaries received emergency Covid cash pay-outs.

“Words cannot express, I am so happy to have been able to buy food, and credit to call people I care about during this lockdown which found me at my lowest .” A sylum seeker from Kenya.

Volunteers and self-help groups were provided with technical/zoom support and training to master what became the routine way of participating.
Some volunteers were provided with help setting up laptops and internet access at home.
Referrals were made to local shopping and food-bank or food-box schemes.

Case-study

We referred a 37-year-old woman facing imminent eviction to a rare opportunity to apply for secure social housing (the Centre is on a list to be alerted to such openings). She had mental health issues and had lost her job due to the pandemic. She had only experienced short-lived accommodation, moving 30 times in 20 years. We encouraged her to fill in the form and helped her to prepare for the interview. She was allocated the flat and when she moved in said: “ Having my own secure home for the first time in my life gave me a huge sense of security and confidence. I have the biggest smile on my face. Thank you so much for your help .” She has since found a job, and started a course.

Peer support and self-help

 Mothers largely from the Bengali community, supported each other against the closure of a well-loved local primary school which would affect overstretched low-income families, disrupt long-standing supportive relationships between staff, children and parents, increase travel time for mothers and children, break up friendship groups, and make the local environment less childfriendly. Parents found out that they had been bypassed in the online consultation as parents with little access to the internet, and/or without English as a first language were severely disadvantaged. Mothers including a volunteer at the Centre began their own survey – see below.

 We referred women to self-help meetings online, and informed them of other relevant online events/webinars such as those organised by Fuel Poverty Action, Association of Breastfeeding Mothers and Women in Dialogue to mark the 25[th] anniversary of the UN World Conference on Women in 1995, which some of our longstanding members and volunteers had attended. This communication broadened women’s networks and perspective and gave

women more hope and confidence to act for themselves and each other.

Women shared information informally:

 Health information, about how to avoid infection, boost the immune system and improve general health and mental resilience.
 Mutual phone support, forming bubbles, dropping off shopping, meeting on walks/in the garden for a cuppa when allowed, etc.
 Sharing information about lockdown regulations, obligations for social care and rules on hospital and care home visits.
 Mutual support for bereavement and attending on-line funerals in the community.

SELF-HELP GROUPS

Asylum Seekers and Refugees

The All African Women’s Group of asylumseeking women includes women from Eastern Europe, Iran, Latin America and other countries. Up to 90 women participated in monthly on-line self-help meetings, weekly training workshops and volunteering sessions to discuss their cases, offer mutual support and advice, learn how to help others, prepare for appeals, etc.

Mothers’ Group – Support not Separation

This group met monthly on-line throughout the year. Many mothers had to attend family court proceedings and meetings with social workers and lawyers on-line. Some mothers and/or their children were shielding and could not use public transport. Mothers, grandmothers as well as supportive fathers who face unwarranted separation from their children/grandchildren were able to continue to exchange experiences, advice, support and encouragement with each other, more needed than ever.

Women with disabilities

WinVisible -- women with visible and invisible disabilities group, continued to hold regular self-help sessions on-line, which became central to crisis support for disabled women

who suddenly found themselves in lifeendangering situations because of the suspension and interruption of social care.

COMMUNITY EVENTS & INITIATIVES

On 8 March, International Women’s Day, we held an open day with panels, films, open mic, delicious home-cooked food, ‘count your work’ survey and info stalls.

Local papers featured our call for “ people to be able to find out more about what the centre does.” A young woman of Indian descent who attended the day said “ Incredible to see so many issues from lived realities .” And another woman said “ Local connection, real news, feel refreshed. This is where I needed to be today .”

Eleanor Rathbone project

The Remembering Eleanor Rathbone – Mother of Child Benefit project progressed. We completed editing the 150 interviews with mothers aged up to 95 years, plus a few husbands, daughters and sons. Interviews had been carried out by volunteers including students from the local Parliament Hill School for Girls.

ACTION FOR THE ENVIRONMENT

 This year as part of ongoing work to measure and reduce our carbon footprint we had more solar panels installed on the roof of the Centre, after securing funding from Camden Council. We worked with Power Up North London green energy group, and local women architects who donated their services for the planning application.

The south-side of the Centre’s roof is now covered with solar panels.

 We had input into a proposed inner city food-growing pilot project addressing food poverty issues and

 Towards the end of the year volunteers met together on Zoom to brainstorm their views for a wrap-around special by the local Camden New Journal on what Camden could be like in a green future. The piece came out early in the new year, headlined “Women lead the charge for ‘caring Camden’”.

COMMUNITY USE OF THE CENTRE

APPEALS

We continue to work in partnership with the groups based at the Women’s Centre, which also provide resources to our beneficiaries including survivors of rape and domestic violence.

Other groups we worked with include Tufnell Park Parents Support Group, Food for All, Camden Law Centre, Think & Do Community space, Transition Kentish Town, Clean Break, Home Start, Remembering Eleanor Rathbone Group, Elfrida Rathbone Society, Law for Life, Mutual Aid societies, North Camden Housing Co-operative, Kentish Town Community Centre, Power Up North London, St Luke’s Church Safe Haven, local schools, nurseries and mum’s groups, students (SOAS, UCL).

INTERNATIONAL CONNECTIONS

Throughout the year, we stayed in touch with women groups in India, Malaysia, Peru, Tanzania, Thailand and the USA and exchanged information on what is happening in their countries. At the start of the pandemic, this was a lifeline for us, as we were able to compare how people were protecting themselves and their loved ones in different countries, and share experiences, including all those who had completely lost their income, often overnight, including shopworkers, sex-workers, asylum-seekers, and those who suddenly found themselves on the frontline of the pandemic, working in dangerous and exhausting circumstances. They were all calling upon local and national governments for emergency resources to feed themselves and their families, but it was also useful to hear about how local communities were sharing resources.

Our fundraising during this first year of the pandemic was focused on emergency relief for the sectors of women who suddenly lost their income, like asylum seekers and any immigrant women who are forced to not have “recourse to public funds”. We were moved by how new and regular donors came forward with additional funds without us asking, understanding that women in our network are deeply impacted by the pandemic. Donations to the annual Christmas asylum appeal increased substantially from the year before.

THANK-YOU

We greatly appreciate the financial support of The Big Lottery Fund, Persula Foundation, Rock ‘n Roll Rescue, Roughly Trust (AW60 Fund), ACTS, and our generous regular donors. Their grants and donations helped make possible our activities.

Our deepest thanks to everyone who contributed over this difficult year: our stalwart volunteers, women and men, who are the backbone of our Centre; the local organisations who fundraised for us; friends and supporters in the local community and beyond whose warm words and deeds (often via phone and zoom, but also in the foodshops and on the street), encourage us daily; the speakers on zoom who encouraged and urged us to keep going, and the technical support people who enabled us to get into our zoom meetings, and gave us training in zoom and other social media; therapists in Vital Forces who provided free or low-cost healing therapies; and local journalists always ready to report on our activities.

Registered charity no. 1134495 Company limited by guarantee no. 7087291

*As members of Camden Climate Change Alliance, we calculate our annual carbon footprint contributing to the production of a borough wide footprint. Our current solar panels produce a third of our electricity needs. We have received a Going Green Mark of Achievement from CCCA.

Charity number.. 1134495 Company number.. 07087291 (England and Wales) CROSSROADS WOMEN ReFX)rt of the Trustees and Financial Statements For the year ended 31 Dec8mber 2020

CROSSROADS WOMEN Contents Page For the year ended 31 December 2020 Report of th8 Trust¥e$ Indepgndent Exarninerfs Report to the Trustees Statement ol Financial Activit18S sthtern•nt of Finanaal Posftion Not88 to th¥ Fin4nrABI Stat8rnent8 5t0 11 Detai18d Statsm¥nt olFinanrA81 Activitigs 12to14

CROSSROADS WOMEN Report of the Trustees For Ihe year ended 31 December 2020 The Trust888. who ara also directors for the purpo8e$ of company law. hqve p18asure in presenting thelr roport and th8 financial statement$ for the charitable ¢ornpany for the yoar end8d 31 December 2020. The Trustees h8V8 adopted the prov181ons of AGcounting 8nd R8portin9 by Charities.. Statornent of Recommended Practi¢e applicable to ch8rrti&s preparing th&r accounts in sc)rdanCe with the FinanThal R•porting Standard applicabl8 in Ihe UK and the Repu1¢ of Ireland IFRS 1021 leffecti 1 January 20191. oeJECTf¥ES AND A¢TwmES Th8trustges have consldored tho Charty Commk8$ion's guidance on public b8nefrt, in¢luding tho guidanca 'public bgn&fit". running a Charity IPB21'. REFERENCE AND ADMINISTR4TNE INFORMATION Nom? olchadty Ch•rlty rngltr•tlon nurnbor ¢omp•ny rng18trallon numb•r Prlnclp•l •ddr• CROSSROAOS WOMEN 1134495 07087291 25Wo18ey M•ws London NW52DX Truste The Iru8ta88 •Md offic8r8 88Nino during tho year and since th yr ond ww8 a8 foll. Selma Jomo0 Carolin? Begue Solveig Marie Franos Claire Rachel Glasman Crist81 Amis8 Syfvia Carri& Solley Indop•nd•nt •x•mln•r Emm4nuel Mensah FMAAT Ground Floor West Office 10 Nl¢holas House. Riv&r Front Enflold EN13TF B•nk•rn Lloyd8 Bank plc Kilburn Branch PO Bts¥ 1(MJ) BX1 1LT Approvod by Iho Board of Trusteeb and signad on It8 beh•W by SO.g Marig Francis 1 of 14

CROSSROADS WOMEN Independent Examiners Report to the Trustees For the year ended 31 December 2020 I report to the trusleos on my examination of thg a¢untS ofthe Charitable ¢ompany for tho yearended 31 Deeérnb8r 2020. RMpon*ibilitS•9 and basls ol rgport As the charity Trustees, who are al$0 directors for tho purp08es of cornpany law. are ra$ponsibl• for the proparation ol th orxounts in accordan¢e with the reqU1ments of the Cornpani88 Act 20061'the 2006 Act'l. Having $alisfi•J my8eW that the a¢¢ounts of the Company are not required to b& audit•d under Part 16 of the 20Cfj Act and are eligible for independent examinatbn, I report Sn respoct of my examination of your charity's accounts ¢arried out undgr ¥ection 145 of the Chant188 A¢t 2011 I'lhe 2011 Act'l. In carryin9 oul my exarninalion I have followed the 01ctIOnS given by the Charty Cornmission under SlI0n 145(5llbl of the 2011 Act. Ind•p•ndent •x•mln•rn ¥tsternont I have ¢omp18ted my ex8min8tion. I confimi th8t no motters ¢ome to rny attention In connectiors with the examination giving rne caus8 to bdieve that in any material respe¢t". 1. acuunting r8¢ord$ were not kept in respect ofth& C¢)rnpany as required by s8CtK)n 366 of th¢ 2008 Act., or 2. the account8 do not accord wrth those record8," 3. the accounts do not ¢¢)mply with th8 raqulwments of Section 396 of th8 2006 A¢t other than any rwuiremont that the 8ecounts give a Irue and f8ir which is not a m•tter considered a$ port of an ind8pandent examin8tion.' or 4. the account$ have not been prepared in accordance with the rnothod8 and principles of the Statemont of Recommended Practice for accounting and reporting by ¢harities 8pplicable to charitS prepanng their accounts in accordance with the Finondal Reporting Standard applicab in the UK and R8public of Ireland IFRS 1021 I have no Goncern8 and h8ve ¢orne across no other matters in connectlon with the examination towhich attention should drawn in th report in ordar to onabb a proper understanding of tha accounts to bts reached. Ernrnanuel Men8ah FMAAT Ground Floor Wesl Officè 10 Nicholas Hou88, River Front EnrId EN13TF Date.. 22nd October 2021 2of14

CROSSROADS WOMEN Statement of Financial Activities (including Income and Expenditure Account) For the year ended 31 December 2020 Unrostrl¢tsd fundg R¢•tri¢t8d fvnd• 2020 2019 Incomg and •nd07n•nts from.. Donations and legacies Charitabb actiwitN8S Oth8rtr4ding 8Ctiwti&s Investments Other Ineorne Totsl 19,623 3,152 70,930 102,732 90,553 105,884 113.201 108.388 12 2,567 2.567 1.841 702 173,662 199,364 223A42 Expondlturo on.. Rai8ing funds Charilabie Other &ynditure Tol•l 11.3781 121.4291 11,3761 124.1J31 11.3781 1210,1021 14,9901 1216,4701 13,8961 1158.2451 12.1221 1164.2631 619 1188.8731 13,6141 1192.2Bn N•t incomoloxpondltu R•¢oncllkltbon of fund• Total funds brought ftsard Totsl fund ranl•d forward 1A19 116.6251 117,1081 39,179 82.669 1,182.990 1,265.859 1.208.680 84,388 1.164,365 1,248,753 1,266,859 30114

R8gist¥red Number". 07087291 CROSSROADS WOMEN Statement of Financial Position As at 31 December 2020 Not 2020 Fixod assets Tangible a$s0ts 12 1.026,173 1,026.173 1.026.173 1,026,1n Current Debtor$ Cash at bank and in hand 13 3.645 241.659 245,304 22,7241 264.691 272,383 132.6971 Credltorn: amounts f4lllng due wlthln on• ymr 14 Not curr•nt a•S0ts 222.580 239,688 1285.859 Totsl a••ts 105• cun•nt Ik•bili1105 1,248,763 1.248.753 1285.859 Tho fundB of th• ¢h•rlty Restricted income ftjnds UnffjStrict incom¥ funds 1.164.365 1.182,990 82.869 15 84.388 Total fund8 1,248,763 1,266,8S9 For the year ended 31 December 2020 the Gompany was ented to ox•mptK)n from audft under $e¢tion 477 of tha Companies Act 2008 relallng to small companies. Th& mtrmbers have not r8quirad th& ¢¢rnpany to obtain an audit of its account8 forthe year in que¥tson in accordance with section 478. Th8 trustees ucknowledg8 their respon$ibilitios for Complying wth the r•quir8rn8nt8 of the A¢t with respeet to accounting r8cord$ and the preparation of 8¢¢0unt¥. These accounts have been prepared in accordanc8 wrth tho provi510Th5 applicab18 to mpanIeS tsubpct to the small corkynl8' regirne. Thefinanaal &tot•m•nt5 wor• approved and authorise<l for i48ue bythe 808rd and $1gned on its beham by.. Solveig Marie Fr8nc45 Trust88 4of14

CROSSROADS WOMEN Notes lo the Financial Slatements For the year ended 31 December 2020 1. Aounn• Polkl Bas1• ola¢¢ountlng Th8 finan¢io151atarn8nts hav been Prepar under the hi8tori¢al co81 convention. excapl for investments whieh are included at market valu8 and the revaluation of ¢ertMin fixed a88et$ and in accordance with th8 Charities SORP IFRS 1021'Accounting and Reporting by Charit188'. Statement cf Recommended Practice applicable lo charrtles preparing their account$ in 4ccor¢Jance with the Financlal R¥porting Standard Hpplicabla In thè UK and R8public of Ireland IFRS 1021 (effective 1 January 20191,. Financial Reporting Standard 102 the Finanrjal Reporting Standard applicab In thts UK and R8publi¢ of Iroland IFRS 1021. and th8 Companie8 Act 2LK6. CROSSROADS WOMEN m88ts the definition of a publi¢ ben8fi't entity under FRS 102. As$&t$ and liabilities 8re Initsalty re¢ogni88d at hi&tori¢al cost ortrans8¢tion v8lue unlès$ ¢therwi88 sta18d in thJ relevant accounting policy not8181. 2. In¢omo from donallom •nd *acl•• UnMtrf¢t•d funds Re•trf¢tod fund• 2020 2019 Donations r8ceiva(I 19.823 335 19,956 t7,877 32,859 L8gacle$ received Gran18 r8¢0ived 70,595 70.595 62,685 19,623 70.930 90.563 113301 5of14

CROSSROADS WOMEN Notes to the Financial SLgtemenls Continued For the year ended 31 December 2020 3. Incom• Irom ch•rlt•blo •ctlvltl88 Unr•8tricted funds 2020 2019 funth Womens C8ntrn forAII Use of Premi88$ l R¢)om Hire 8ook8 and Ac£essorias 16,110 18.110 3.152 21,282 23.76B 3.434 27,202 3.152 3,152 18,110 Rep8yments foruse of Ser*ic8s Asylum far88 Copyino & printing Lunche8lrefr88hments Phonolbroadband 4.039 4,039 4,740 10,946 4.147 9.723 3,930 28,746 4.740 5.798 4.020 18.595 5,796 4,020 11595 Granls InK)ut- Oth8rGroups P8rsula Foundotion 33,CM)O 5.000 33,000 5.000 17,355 55,366 38.000 Roughby Trust Oonation8 17,355 5.050 4&050 55.355 Appeals Inlout Pgrsul4 forXma8 Appeal XrnasApp&al donab'ons Xma$ Appeal- P8yPal XmasAppeal- Stripe 2,0 6,385 2.078 209 2.000 2,390 6,385 2,078 209 10.672 10,672 4390 3,152 102.732 105.884 108,388 4. In¢omo ollmod from i)th•rxtfv 2020 2019 Unr08trlcted fund• Fund raising 8¥8n¢s 360 S. Invmtrrwnt Incorn 2020 2019 Bank Intar88t r1¥&bI 12 12 6of14

CROSSROADS WOMEN Notes lo the Financial Statements Continued For the year ended 31 December 2020 6. Olhor incorng 2020 2019 Unro•trl¢t•d fundB other incorne- HMR¢ Glft ahl Claim othtrr Incom8- L¢ans IN 100 Other Incorna Bank Charges Refund other Incorne (Float$ In & Arnazon Refund) 1.223 246 1.B41 7. Exp•ndltuM on wnorntlng d•n•tlon¥ 4nd 1ogaclB• 2020 2019 Unr•4M¢t•d lund¥ Support Gost5 1.378 3,896 l. Co•ts of ¢IllIble t1¥ttl&s by fvnd typ• Unrn•trl¢t•d fund• 2020 2019 Women'8 Centr8 for1 79.913 79.913 101.291 Grants InlOut- Oth8r Group$ App8818 Inlout Support C4)51s 54,1X)O 54,780 21,429 37.909 54.7eo 21.429 19,L145 21,429 188.673 210.102 158,246 . Co•ts ol¢hwltblfr advltl88 by athlty typ• A¢¥ttle8 und•rtkon dlracty Gr•nt fvndln4 01 •¢twiti88 Supporl ¢o•t• 2020 2019 Support co•ts Wornon's Cenlr8forAII 79,913 21.429 101.342 $4.000 120.336 37,909 Grant$ SnlOut- other Groups Grant8lApp8a18 47,390 7.370 54.760 191,303 7.370 21.429 210,102 158.245 70114

CROSSROADS WOMEN Nol8S to the Financial Slatemenls Continued For the year ended 31 Defflber 2020 10. Analyjm ol•upport co•tJ Raising fund8 Women. Contre forAII 2020 2019 Management Finance 1,502 1,588 1.502 1,588 1.737 1.430 Insurance 1,737 7,617 1.241 5.895 Maint8nanc8 & r•pairs Postage uti1tho¥ Eleckncity, G88 & Water 7.017 193 193 326 3.414 3.414 4.093 Busines8 R8to8 Bullding Capaty Governance co$ts (IE Fe•81 3.314 3,314 1,378 3.682 3,8 1.434 1,378 1,378 21.429 22,807 22,941 11. Comyrntl¥e for tho Slatsm•nt of Flnan¢l•l Actk¥rtloB Unr••trl¢t•d fund• Rutrictod fvnds 2019 In¢om• •nd •ndts*Tnonts from.. Donations 8nd lagacias Charitable activltYa$ Inve$tments Other incom8 17.677 3.434 12 1,641 22.064 95.524 104.954 113.201 108.388 12 1,841 Total 21]0.478 223,4142 Exp•ndltur• on- Ralsing fund$ Charitable activrtie8 13.8961 119.4451 12.1221 126.4631 13,8961 1158,2451 12,1221 1138.8001 Other 8xpanditure Tol•l 1138.WOI N•t In¢om•lexpvndltu Roconclllatlon of Total funds brought forw8rd T<>tal fund8 carrlod forward 12.4991 61,678 69,179 85,368 1,121.312 1.206,880 82,869 1,182,990 1.265,869 8of14

CROSSROADS WOMEN Notes to the Financial Stslements Continued For the year ended 31 December 2020 12. Tan•lbl• fixod a880ts Co•t or valuatlon Bulldlng-2S Wo4$oy M At 01 January 2020 At 31 December 2020 1,026.173 1.026,173 N•t l>ook valu88 At 31 Decamtyer 2020 1,026,1n At 31 Dacembsr 2019 1,026.173 13. O•btorn 2020 2019 Amounts du• wSth1rt on• y••r. PropayrThJnts and accrued in¢ome Othordebtc 5,302 2.390 3.845 7.692 11 Cr•dltorn.' mouni¥ falllng duo vAthln on• y•ar 2020 2019 Other creditors 1.096 Accruals and deferred in¢om 22.724 31,801 22,724 32,697 1& Al¢>vornent In fund• Unr•8trkt•d Fund• B•lanco at 0110112020 Incomlftg r••our¢ Outyolng our¢8• ealarK• at 3111212020 Gen8r81 General 82.869 25.702 124.1831 2.869 25.702 124.1831 9of14

CROSSROADS WOMEN Notes to the Financial Slatemenls Continued For the year ended 31 December 2020 Unmtrfct•d Fund•. Pr•viou• yo•r 8ol•n¢• •t 0110112019 In¢omln9 rosourc•• Outgolng OVfC08 B•l•nco at 3111J2019 Gener81 Genèral 85.368 125,4831 82.869 85.366 22,984 125,4831 82.889 Purpos• of unrg•trld•d FundB G•neral Thesos ar8 unre&lricted funds to be applied atthe ¢jiretIOn of the tru&t8 board and within th8 contox ofthe objects of the ch&rity. RtrIcts Fund• Balwncg at 0110112020 In¢omlng Oulgolng rnJourc• Blance at 3111212020 Re8trict8d Fund8 1.182.990 173.862 1192.2871 1,164.365 1.182,990 173.062 1192,28n 1.164.365 R••trlct•d FundJ- Prevlou8 Balance at 0110112019 In¢omlng rosourcos Outyolng regour¢•s B•l•n¢• at 3111212019 Ro¥liictod Fund8 1.121,312 200.478 1138.8001 1,182,99) 1,121,312 200,478 1138.8001 1.182.990 of re¥trfct•d fund• Restricted Funds ForRe8tncte<lknlvrtles 10of14

CROSSROADS WOMEN Notes lo the Financial Ststemenls Continued For the year ended 31 December 2020 16. Anaty8L ol n•t •Jxts betrAwn fund• T4nglb M•tturr•nt N•iA•t•ts Unrn8trlctod fund• Genoral 12.CE41 12.0641 R•strKt•d fund• Restrictgd Funds 1,028.173 224,644 1.250.817 1.028,173 222.580 134J.753 Prn¥lou y•ar T•nulbl• flx•d N•t¢uty•nt N•tA•••ti Unro8trl¢t•d fundB Gen8rn1 Gen8ral 12,5301 12,5301 R••trlct8d fvnd• Restrictad Funds 1.026,173 242,218 1,2e8.389 1.026,173 239.686 1,265.859 11of14

Charity number.. 1134495 Company number.. 07087291 (England and Wales) CROSSROADS WOMEN ReFX)rt of the Trustees and Financial Statements For the year ended 31 Dec8mber 2020