Charity number: 1134495 Company number: 07087291 (England and Wales) ## CROSSROADS WOMEN Report of the Trustees and Unaudited Financial Statements For the year ended 31 December 2021 CROSSROADS WOMEN Contents Page For the year ended 31 December 2021 |Report of the Trustees|1| |---|---| |Independent Examiner's Report to the Trustees|2| |Statement of Financial Activities|3| |Statement of Financial Position|4| |Notes to the Financial Statements|5 to 12| |Detailed Statement of Financial Activities|13 to 15| ## CROSSROADS WOMEN Report of the Trustees For the year ended 31 December 2021 The Trustees, who are also directors for the purposes of company law, have pleasure in presenting their report and the financial statements for the charitable company for the year ended 31 December 2021. The Trustees have adopted the provisions of 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 the Republic of Ireland (FRS 102) (effective 1 January 2019). ## **OBJECTIVES AND ACTIVITIES** ## **Objectives and aims** The trustees have considered the Charity Commission’s guidance on public benefit, including the guidance 'public benefit: running a charity (PB2)'. ## **REFERENCE AND ADMINISTRATIVE INFORMATION** **Name of Charity** CROSSROADS WOMEN **Charity registration number** 1134495 **Company registration number** 07087291 **Principal address** 25 Wolsey Mews London NW5 2DX ## **Trustees** The trustees and officers serving during the year and since the year end were as follows: Selma James Caroline Begue Solveig Marie Francis Claire Rachel Glasman Cristel Amiss Sylvia Carrie Salley **Independent examiner** Emmanuel Mensah FMAAT Ground Floor West Office 10 Nicholas House, River Front Enfield EN1 3TF **Bankers** Lloyds Bank plc Kilburn Branch PO Box 1000 BX1 1LT Approved by the Board of Trustees and signed on its behalf by ............................................................................. Solveig Marie Francis - Trustee 1 of 15 ## CROSSROADS WOMEN Independent Examiners Report to the Trustees For the year ended 31 December 2021 I report to the trustees on my examination of the accounts of the charitable company for the year ended 31 December 2021. ## **Responsibilities and basis of report** As the charity Trustees, who are also directors for the purposes of company law, are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act'). Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts carried out under section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act. ## **Independent examiners statement** I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect: 1. accounting records were not kept in respect of the Company as required by section 386 of the 2006 Act; or 2. the accounts do not accord with those records; or 3. the accounts do not comply with the requirements of section 396 of the 2006 Act other than any requirement that the accounts give a 'true and fair view' which is not a matter considered as part of an independent examination; or 4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102). I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. Emmanuel Mensah FMAAT Ground Floor West Office 10 Nicholas House, River Front Enfield EN1 3TF > Date: 12 Sep 2022 2 of 15 ## CROSSROADS WOMEN ## Statement of Financial Activities (including Income and Expenditure Account) For the year ended 31 December 2021 |**Income** **and** **endowments** **from:**
**Notes**
Donations and legacies
2
Charitable activities
3
Other trading activities
4
Investments
5
Other income
6
**Total**
**Expenditure** **on:**
Raising funds
7
Charitable activities
8/9
Other expenditure
**Total**
**Net** **income/expenditure**
**Reconciliation** **of** **funds**
Total funds brought forward
**Total** **funds** **carried** **forward**|**Unrestricted**
**funds**
**£**
12,170
1,737
-
71
-
**13,978**
-
(14,687)
(3,121)
**(17,808)**
**(3,830)**
84,388
**80,558**|**Restricted**
**funds**
**£**
62,950
51,564
-
-
-
**114,514**
-
(89,884)
-
**(89,884)**
**24,630**
1,164,365
**1,188,995**|**2021**
**£**
75,120
53,301
-
71
-
**128,492**
-
(104,571)
(3,121)
**(107,692)**
**20,800**
1,248,753
**1,269,553**|**2020**
**£**
90,553
105,884
360
-
2,567| |---|---|---|---|---| |||||**199,364**| |||||(1,378)
(210,102)
(4,990)| |||||**(216,470)**| |||||**(17,106)**
1,265,859| |||||**1,248,753**| 3 of 15 Registered Number : 07087291 ## CROSSROADS WOMEN Statement of Financial Position As at 31 December 2021 |**Notes**
**Fixed** **assets**
Tangible assets
13
**Current** **assets**
Debtors: amounts falling due within one year
14
Debtors: amounts falling due after more than one year
14
Cash at bank and in hand
**Creditors:** **amounts** **falling** **due** **within** **one** **year**
15
**Net** **current** **assets**
**Total** **assets** **less** **current** **liabilities**
**Net** **assets**
**The** **funds** **of** **the** **charity**
Restricted income funds
16
Unrestricted income funds
16
**Total** **funds**|**2021**
**£**
1,026,173||**2020**
**£**
1,026,173| |---|---|---|---| ||**1,026,173**||**1,026,173**| ||5,136
998
289,272||3,645
-
241,659| ||**295,406**||**245,304**| ||(52,026)
**243,380**||(22,724)
**222,580**| ||**1,269,553**
**1,269,553**
1,188,995
80,558||**1,248,753**| ||||**1,248,753**| ||||1,164,365
84,388| ||**1,269,553**||**1,248,753**| For the year ended 31 December 2021 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies. - The members have not required the company to obtain an audit of its accounts for the year in question in accordance - with section 476, - The trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting - records and the preparation of accounts. These accounts have been prepared in accordance with the provisions applicable to companies subject to the small companies’ regime. The financial statements were approved and authorised for issue by the Board and signed on its behalf by: Solveig Marie Francis Trustee 4 of 15 ## CROSSROADS WOMEN Notes to the Financial Statements ## For the year ended 31 December 2021 ## **1. Accounting Policies** ## **Basis of accounting** The financial statements have been prepared under the historical cost convention, except for investments which are included at market value and the revaluation of certain fixed assets and in accordance with the Charities SORP (FRS 102) ‘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 2019)’, Financial Reporting Standard 102 the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102), and the Companies Act 2006. CROSSROADS WOMEN meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy note(s). ## **2. Income from donations and legacies** |Donations received
Grants received|**Unrestricted**
**funds**
**£**
12,170
-
**12,170**|**Restricted**
**funds**
**£**
300
62,650
**62,950**|**2021**
**£**
12,470
62,650
**75,120**|**2020**
**£**
19,958
70,595| |---|---|---|---|---| |||||**90,553**| 5 of 15 ## CROSSROADS WOMEN ## Notes to the Financial Statements Continued For the year ended 31 December 2021 ## **3. Income from charitable activities** |_Women's_ _Centre_ _for_ _All_
Use of Premises / Room Hire
Financial Services/Consultations
_Repayments_ _for_ _use_ _of_ _Services_
Postage
Copying & printing
Lunches/refreshments
Phone/broadband
_Grants_ _In/Out_ _-_ _Other_ _Groups_
Persula Foundation
Roughley Trust
Donation
_Appeals_ _In/Out_
Persula for Xmas Appeal
Xmas Appeal donations
Xmas Appeal - PayPal
Xmas Appeal - Stripe
_African Women’s Group (AAWG)_
Blue Thread (All African
Women's Group)
Sainsburys (All African
Women's Group)|**Unrestricted**
**funds**
**£**
-
1,500
**1,500**
237
-
-
-
**237**
-
-
-
**-**
-
-
-
-
**-**
-
-
**-**
**1,737**|**Restricted**
**funds**
**£**
18,690
-
**18,690**
-
3,933
3,012
3,580
**10,525**
-
-
-
**-**
2,000
-
1,894
5,955
**9,849**
5,000
7,500
**12,500**
**51,564**|**2021**
**£**
18,690
1,500
**20,190**
237
3,933
3,012
3,580
**10,762**
-
-
-
**-**
2,000
-
1,894
5,955
**9,849**
5,000
7,500
**12,500**
**53,301**|**2020**
**£**
18,110
3,152| |---|---|---|---|---| |||||**21,262**
4,039
4,740
5,796
4,020| |||||**18,595**
33,000
5,000
17,355| |||||**55,355**
2,000
6,385
2,078
209| |||||**10,672**
-
-| |||||**-**| |||||**105,884**| ## **4. Income earned from other activities** Fund raising events |**2021**
**£**
-
**-**|**2020**
**£**
360| |---|---| ||**360**| 6 of 15 ## CROSSROADS WOMEN Notes to the Financial Statements Continued For the year ended 31 December 2021 ## **5. Investment income** |**Unrestricted** **funds**
Bank interest receivable
**6.** **Other** **income**
Other income - HMRC Gift aid Claim
Other Income - Loans IN
Other Income - Bank Charges Refund
Other Income - (Floats in & Amazon
**7.** **Expenditure** **on** **generating** **donations** **and** **legacies**
Support costs|**2021**
**£**
71
**71**
**2021**
**£**
-
-
-
-
**-**
**2021**
**£**
-
**-**|**2020**
**£**
-| |---|---|---| |||**-**| |||**2020**
**£**
998
100
1,223
246| |||**2,567**| |||**2020**
**£**
1,378| |||**1,378**| ## **8. Costs of charitable activities by fund type** |**osts** **of** **charitable** **activities** **by** **fund** **type**||||| |---|---|---|---|---| |Women's Centre for All
Grants In/Out - Other Groups
Appeals In/Out
AAWG
Support costs|**Unrestricted**
**funds**
**£**
-
-
-
-
14,687
**14,687**|**Restricted**
**funds**
**£**
73,035
-
11,587
5,262
-
**89,884**|**2021**
**£**
73,035
-
11,587
5,262
14,687
**104,571**|**2020**
**£**
79,913
54,000
54,760
-
21,429| |||||**210,102**| 7 of 15 ## CROSSROADS WOMEN ## Notes to the Financial Statements Continued ## For the year ended 31 December 2021 ## **9. Costs of charitable activities by activity type** ||**Activities**|**Grant**|**Support**|**2021**|**2020**| |---|---|---|---|---|---| ||**undertaken**|**funding** **of**|**costs**||| ||**directly**|**activities**|||| ||**£**|**£**|**£**|**£**|**£**| |**Support** **costs**|||||| |Women's Centre for All|73,035|-|14,687|87,722|101,342| |Grants In/Out - Other Groups|-|-|-|-|54,000| |Appeals In/Out|-|11,587|-|11,587|54,760| |AAWG|5,262|-|-|5,262|-| ||**78,297**|**11,587**|**14,687**|**104,571**|**210,102**| ## **10. Analysis of support costs** |**Women's** **Centre** **for** **All**
Management
Finance & Bookkeeping
Insurance
Maintenance & repairs
Postage
Utilities: Electricity, Gas
& Water
Business Rates
Building Capacity
Governance costs|**2021**
**£**
1,973
1,215
1,696
2,467
419
1,496
4,197
-
1,224
**14,687**|**2020**
**£**
1,502
1,588
1,737
7,617
193
3,414
3,314
1,378
2,064| |---|---|---| |||**22,807**| ## **11. Particulars of employees** |Support Staff|**2021**
3
**3**|**2020**
3| |---|---|---| |||**3**| 8 of 15 ## CROSSROADS WOMEN to the Financial Statements For the year ended 31 December 2021 ## Notes to the Financial Statements Continued ## **12. Comparative for the Statement of Financial Activities** ||**Unrestricted**|**Restricted**|**2020**| |---|---|---|---| ||**funds**|**funds**|| ||**£**|**£**|**£**| |**Income** **and** **endowments** **from:**|||| |Donations and legacies|19,623|70,930|90,553| |Charitable activities|3,152|102,732|105,884| |Other trading activities|360|-|360| |Other income|2,567|-|2,567| |**Total**|**25,702**|**173,662**|**199,364**| |**Expenditure** **on:**|||| |Raising funds|(1,378)|-|(1,378)| |Charitable activities|(21,429)|(188,673)|(210,102)| |Other expenditure|(1,376)|(3,614)|(4,990)| |**Total**|**(24,183)**|**(192,287)**|**(216,470)**| |**Net** **income/expenditure**|**1,519**|**(18,625)**|**(17,106)**| |**Reconciliation** **of** **funds**|||| |Total funds brought forward|82,869|1,182,990|1,265,859| |**Total** **funds** **carried** **forward**|**84,388**|**1,164,365**|**1,248,753**| ## **13. Tangible fixed assets** |**Cost** **or** **valuation**
At 01 January 2021
At 31 December 2021
**Net** **book** **values**
At 31 December 2021
At 31 December 2020|**Office**
**Building-25**
**Wolsey** **Mew**
**£**
1,026,173| |---|---| ||**1,026,173**
**1,026,173**| ||**1,026,173**| 9 of 15 ## CROSSROADS WOMEN Notes to the Financial Statements Continued For the year ended 31 December 2021 ## **14. Debtors** |**Amounts** **due** **within** **one** **year:**
Other debtors
**Amounts** **due** **after** **more** **than** **one** **year:**
Other debtors
**Creditors:** **amounts** **falling** **due** **within** **one** **year**
Other creditors
Accruals and deferred income|**2021**
**£**
5,136
**5,136**
998
**998**
**2021**
**£**
13,802
38,224
**52,026**|**2020**
**£**
3,645| |---|---|---| |||**3,645**| |||-| |||**-**| |||**2020**
**£**
-
22,724| |||**22,724**| ## **15. Creditors: amounts falling due within one year** ## **16. Movement in funds** ## **Unrestricted Funds** ||**Balance** **at**|**Incoming**|**Outgoing**|**Balance** **at**| |---|---|---|---|---| ||**01/01/2021**|**resources**|**resources**|**31/12/2021**| ||**£**|**£**|**£**|**£**| |_General_||||| |General|84,388|13,978|(17,808)|80,558| ||**84,388**|**13,978**|**(17,808)**|**80,558**| |**Unrestricted** **Funds** **-** **Previous** **year**||||| ||**Balance** **at**|**Incoming**|**Outgoing**|**Balance** **at**| ||**01/01/2020**|**resources**|**resources**|**31/12/2020**| ||**£**|**£**|**£**|**£**| |_General_||||| |General|82,869|25,702|(24,183)|84,388| ||**82,869**|**25,702**|**(24,183)**|**84,388**| 10 of 15 ## CROSSROADS WOMEN Notes to the Financial Statements Continued For the year ended 31 December 2021 ## **Purpose of unrestricted Funds** ## General Theses are unrestricted funds to be applied at the discretion of the trustee board and within the context of the objects of the charity. |**Restricted** **Funds**||||| |---|---|---|---|---| ||**Balance** **at**|**Incoming**|**Outgoing**|**Balance** **at**| ||**01/01/2021**|**resources**|**resources**|**31/12/2021**| ||**£**|**£**|**£**|**£**| |Restricted Funds|1,164,365|114,514|(89,884)|1,188,995| ||**1,164,365**|**114,514**|**(89,884)**|**1,188,995**| |**Restricted** **Funds** **-** **Previous** **year**||||| ||**Balance** **at**|**Incoming**|**Outgoing**|**Balance** **at**| ||**01/01/2020**|**resources**|**resources**|**31/12/2020**| ||**£**|**£**|**£**|**£**| |Restricted Funds|1,182,990|173,662|(192,287)|1,164,365| ||**1,182,990**|**173,662**|**(192,287)**|**1,164,365**| |**Purpose** **of** **restricted** **funds**||||| |Restricted Funds||||| |For Restricted Activities||||| |**17.** **Analysis** **of** **net** **assets** **between** **funds**||||| |||**Tangible**|**Net** **current**|**Net** **Assets**| |||**fixed** **assets**|**assets** **/**|| ||||**(liabilities)**|| |||**£**|**£**|**£**| |**Unrestricted** **funds**||||| |_General_||||| |General||-|(942)|(942)| |**Restricted** **funds**||||| |Restricted Funds||1,026,173|244,322|1,270,495| |||**1,026,173**|**243,380**|**1,269,553**| 11 of 15 ## CROSSROADS WOMEN Notes to the Financial Statements Continued For the year ended 31 December 2021 |**Previous** **year**|||| |---|---|---|---| ||**Tangible**|**Net** **current**|**Net** **Assets**| ||**fixed** **assets**|**assets** **/**|| |||**(liabilities)**|| ||**£**|**£**|**£**| |**Unrestricted** **funds**|||| |_General_|||| |General|-|(2,064)|(2,064)| |**Restricted** **funds**|||| |Restricted Funds|1,026,173|224,644|1,250,817| ||**1,026,173**|**222,580**|**1,248,753**| 12 of 15 ## CROSSROADS WOMEN Detailed Statement of Financial Activities For the year ended 31 December 2021 |**INCOME** **AND** **ENDOWMENT**
**Donations** **and** **legacies**
Donations from GYE
Donations from individuals
Gift Aided Donations & Claims
ACTS
Donations - Rock 'n Roll Rescue
Donations - Other
Big Lottery Fund
Community Infrastructure Levy
**Charitable** **activities**
Use of Premises / Room Hire
Financial Services/Consultations
Complementary Clinic
Information
Asylum fares
Postage
Copying & printing
Lunches/refreshments
Phone/broadband
Persula Foundation
Roughley Trust
NSCCT - BWRAP
Grants & Donations - Other Groups
Persula for Xmas Appeal
Xmas Appeal donations
Xmas Appeal - PayPal
Xmas Appeal - Stripe
Blue Thread (All African Women's Group)
Sainsburys (All African Women's Group)
**Other** **trading** **activities**
Fund raising events
**Investments**
Bank interest receivable
**Other** **income**
Other income - HMRC Gift aid Claims
Other Income - Loans IN|**2021**
**£**
1,196
4,682
1,083
300
4,000
1,209
62,650
-
**75,120**
18,690
1,500
-
-
-
237
3,933
3,012
3,580
-
-
-
-
2,000
-
1,894
5,955
5,000
7,500
**53,301**
-
**-**
71
**71**
-
-|**2020**
**£**
6,125
10,218
3,280
335
-
-
60,335
10,260| |---|---|---| |||**90,553**
18,110
2,000
1,142
10
4,039
-
4,740
5,796
4,020
33,000
5,000
17,000
355
2,000
6,385
2,078
209
-
-| |||**105,884**
360| |||**360**
-| |||**-**
998
100| 13 of 15 This page does not form part of the statutory financial statements ## CROSSROADS WOMEN Detailed Statement of Financial Activities Continued For the year ended 31 December 2021 Other Income - Bank Charges Refunded |Other Income - Bank Charges Refunded
Other Income - (Floats in & Amazon Refund)
**Total** **incoming** **resources**
**EXPENDITURE**
**Charitable** **activities**
Childcare and Playgroup costs
Equipment: Computer, Furniture
Complementary Health Clinic
Information and Research
Lunch and Refreshments
Events & Eleanor Rathbone
Print and Copying
Stationery & Computer supplies
Training
Travel: Volunteers
Travel: Self-help asylum fares
Telephone and Broadband
Payroll costs
Oral History Project
Cost of direct charitable activity
Cost of direct charitable activity
Appeals & Donations - Out
Cost of direct charitable activity (AAWG)
**Other**
Loan (to Petty Cash)
Other resources expended
Other Expenses (BWRAP - Overpayment
Refund)
Other expenses
**SUPPORT** **COSTS**
**Management**
Health and safety
Bank charges
**Finance** **&** **Bookkeeping**
Finance & Bookkeeping|-
-
**-**
**128,492**
-
(2,219)
(619)
(643)
(2,108)
-
(6,498)
(1,027)
(400)
(456)
-
(7,137)
(50,513)
(1,415)
-
-
(11,587)
(5,262)
**(89,884)**
-
-
(2,870)
(251)
**(3,121)**
(1,887)
(86)
**(1,973)**
(1,215)
**(1,215)**|1,223
246| |---|---|---| |||**2,567**| |||**199,364**
(329)
(2,159)
(1,077)
(213)
(3,991)
(237)
(7,194)
(712)
(710)
(2,239)
(4,075)
(5,976)
(51,001)
-
(54,000)
(47,390)
(7,370)
-| |||**(188,673)**
(100)
(1,276)
(3,614)
-| |||**(4,990)**
(1,366)
(136)| |||**(1,502)**
(1,588)| |||**(1,588)**| **Insurance** 14 of 15 This page does not form part of the statutory financial statements ## CROSSROADS WOMEN Detailed Statement of Financial Activities Continued For the year ended 31 December 2021 |Insurance
**Maintenance** **&** **repairs**
Maintenance & repairs
**Postage**
Postage
**Utilities:** **Electricity,** **Gas** **&** **Water**
Utilities: Electricity, Gas & Water
**Business** **Rates**
Business Rates
**Building** **Capacity**
Building Capacity
**Governance** **costs**
Governance costs
**Total** **resources** **expended**
**Net** **Income**|(1,696)
**(1,696)**
(2,467)
**(2,467)**
(419)
**(419)**
(1,496)
**(1,496)**
(4,197)
**(4,197)**
-
**-**
(1,224)
**(1,224)**
**(107,692)**
**20,800**|(1,737)| |---|---|---| |||**(1,737)**
(7,617)| |||**(7,617)**
(193)| |||**(193)**
(3,414)| |||**(3,414)**
(3,314)| |||**(3,314)**
(1,378)| |||**(1,378)**
(2,064)| |||**(2,064)**| |||**(216,470)**| |||**(17,106)**| 15 of 15 This page does not form part of the statutory financial statements