## **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 2022** 

## **ABOUT CROSSROADS WOMEN** 

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. 

## **OBJECTIVES** 

- 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 and women’s groups at which meetings, lectures, classes and other forms of recreation and leisure-time activities may take place; 

- Advance other charitable purposes, as the Trustees may from time to time decide. 

## **TRUSTEES** 

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. 

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


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

## **Cost-of-living crisis –** _**the cost of survival**_ 

As the cost of food and fuel increased dramatically during this year, like many other organisations, we had to work hard to help women who are struggling the most, including women with disabilities and elderly women facing life threatening cold and/or lack of food. 

The toll of price inflation on top of the ongoing impact of the covid pandemic on disadvantaged women continued to mount in terms of physical and mental health.  As with the years of austerity, the impact of this latest additional crisis falls heaviest on women, especially women of colour and 



single mothers – job losses, loss of public and health services, loss of income, applying for and surviving on Universal Credit; increased caring work for family, friends and local community, school closures, bearing the brunt of others’ anxieties, young and old; trying to maintain health whilst overstretched, trying to meet others’ care needs and make ends meet. 

The local newspaper, Camden New Journal, (CNJ) published a special edition on 22 September themed “The cost of survival” in which the Women’s Centre featured prominently including with this case study on the right. 

In the summer we put out a leaflet for local festivals on how to access energy subsidies, usually paid as a discount on council tax bill, or claimed online, if not computer savvy and/or exempted from paying council tax. Following an article also in the CNJ in December about challenging pre-payment meters based on the Centre’s experience, we got many requests for help. 

## **Access to self-help resources and information was vital** 

- We kept an up-to-date list of survival resources on our website covering a range of emergency help and advice, hardship grants, dealing with threats to cut energy supply, etc. 

- Self-help rights guides in relation to benefit claims, breastfeeding, rape/other violence, fuel poverty, the family courts, asylum/immigration can be downloaded, and were distributed at events. These are invaluable as it is ever harder to find advice and support, and the few independent advice services that remain are very oversubscribed and rarely available in person. 

- Referrals were made to local food-banks and food-box schemes, and we participated in information exchanges on how to grow fruit and vegetables at home, etc. 




## **PEER SUPPORT AND SELF-HELP** 

Our collective self-help and peer support approach helps reduce the fear, lack of control, despair and isolation which is continuing post pandemic in the face of care responsibilities, falling incomes and other stresses.  Mothers and carers are relied on to get families through the hardest times. This is often socially invisible and taken for granted, but recognition and support from one’s peers are vital. 

Ms M, a Muslim woman of colour, first came for help in relation to her difficulties maintaining contact with her children (who live with their father) because her ill-health makes travelling difficult. She started attending the self-help group for mothers separated from their children, and later became an active member of the Disabled Mothers’ Rights Campaign.  She now volunteers regularly to help other women and is involved in a number of the Centre’s activities.  She wrote in a thank you email “ _I am struck with how well Crossroads is doing in comparison to other organisations unfortunately struggling since the pandemic. In contrast I found you and received all the support shortly post lockdown [yet] you’re so busy with caseload. You are heart-led, formidable and resilient_ ”. 

Our network of reliable pro bono professionals – legal people, doctors, psychotherapists, social workers, children’s guardians – were also available to help when needed. 

## **Self-Help Groups** 

## **Asylum Seekers and Refugees** 

The All African Women’s Group of asylumseeking women have resumed in person meetings and casework sessions.  They offer each other mutual support and advice, assist with summarising cases, prepare for appeals and look out for those facing particular difficulty with soaring food costs and accessing survival resources. 

**Mothers’ Group – Support not Separation** 

This group met monthly throughout the year both in person and online, and continued to be a vital source of support to mothers involved in family court proceedings and meetings with social workers, some of which still take place online post pandemic. Mothers and grandmothers who face unwarranted separation from their children/grandchildren exchanged experiences, advice, support and encouragement. 

## **Women with disabilities** 

WinVisible (WV) -- women with visible and invisible disabilities group, continued to hold weekly self-help sessions on zoom and in person.  They provided vital support for disabled women who again found themselves in life-endangering situations because of the overwhelming a increases in the cost of gas and electricity. 

In addition disabled mothers (those with mental health problems, learning disabilities and physical disabilities, met monthly as part of WV’s Disabled Mothers Rights Campaign launched in 2021 to discuss their specific needs.  The women also work closely with Support Not Separation. 

## **COMMUNITY EVENTS & INITIATIVES** 

On **International Women’s Day** volunteers at the Centre took to Kentish Town High Road with Centre information and the _What Do Mothers and Carers Want?_ Survey.  They had conversations with local women who are caring for children, people with disabilities, elders, and other loved ones at home, and in many cases juggling this with their paid employment. 




Our **coffee morning** in December drew in local mothers and other carers, who could fill in the survey over a hot drink. 


In July **Camden Local Studies and Archives Centre i** nvited the Centre to give an online illustrated talk about its history. Founding member Solveig Francis, told the story of the Crossroads Women’s Centre, one of the oldest women’s centres in the country, from its origins as a squat in Drummond Street in 1975 up to the present day. Shoda Rackal, a worker at the Centre, spoke about its current activities. 

The first six years of the Women’s Centre from 1975 are featured in the newly launched archives of the Wages for Housework Campaign which celebrated its golden anniversary this year.  The archives can be viewed at the Bishopsgate Institute located near to Liverpool Street Station. 


This longevity is reflected in how many other groups, students and researchers nationally and internationally have heard of us and want to visit the Centre to find out more and to tell their stories. Visitors this year included members of No Births Behind Bars, Brazilian mothers from the favelas I Rio de Janeiro fighting for justice for their children killed by police. 

## **ACTION FOR THE ENVIRONMENT** 

As members of Camden Climate Change Alliance, we calculate our annual carbon footprint contributing to estimating a borough wide footprint. Our solar panels produce about a third of our electricity needs – for free, helping us withstand increasing energy prices.  We provided information to help people better understand climate change – and their own bills, and access government subsidies. 

## **COMMUNITY RELATIONSHIPS** 

In addition to the groups based at the Women’s Centre, which also provide vital support and advocacy to women coming for help including survivors of rape and domestic violence, we work with a range of community groups outside the centre including Food for All, Fuel Poverty Action, Basket Brigade, Camden Law Centre, Camden Association of Street Properties, Camden Carers, Disability in Camden (DISC), Elfrida Rathbone Camden, and.  We are one of three local charities that receive funds raised by Rock ‘n Roll Music Shop.  Ladies of the Lock 

(Women’s Institute) meet at our centre, and we work ongoingly with local schools, nurseries, mum’s groups and the local library. 

## **APPEALS and IN-KIND SUPPORT** 

Our fundraising continues to be focussed on those with no income such as asylum seekers and immigrant women with “no recourse to public funds”.  As usual with Legal Action for Women we ran the annual Christmas Appeal providing a one-off bonus to 35 women and their children over the holiday period. 



At Christmas we were able to provide referrals for 45 food hampers, containing everything to make a delicious Christmas dinner, to destitute and low-income women and children who participate in the Centre’s collective self-help services. The food for the hampers was donated by Carmel Charity Foundation, founded by a fashion supplier company based in Kentish Town. 

The London Basket Brigade made the hampers up and delivered them to women’s homes, mostly asylum seekers, on 23 December.  And our generous friends at Food For All donated 40 children’s presents, all wrapped up and ready for Christmas. 

## **THANK-YOU** 

We greatly appreciate the financial support of the Persula Foundation, Rock ‘n Roll Rescue, Roughley Trust (AW60 Fund), ACTS, and our generous regular donors. 

Our deepest thanks to everyone who contributed over this difficult year: our stalwart volunteers, women and men, who are the backbone of our Centre; local organisations who fundraised for us; friends and supporters in the local community and beyond whose warm words and deeds encourage us daily; the technical support people who hosted webinars, provide 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_ 



Charity number: 1134495
Company number: 07087291
{England and Wales)
CROSSROADS WOMEN
Report of the Trustees 2nd Unaudited Financial Statements
For the year ended 31 December.2022

CROSSROADS WOMEN
Contents Page
For the year ended 31 December 2022
Report of the Trustees
Independent Examinerfs Report to the Tnjstees
Statement of Financiat Activities
Staternenl of Financial Position
Notes to th8 Financial Statements
5t011
Detailed Slatement of Financial Activities
121014

CROSSROADS WOMEN
Report of the Truslees
For the year ended 31 December 2022
The Trustees. who are also directors for Ihe purposes of company law, have pleasure ITr presenting their report and the
financial ststements for the charitable company for the year ended 31 December 2022. The Trustees have adopted the
provisions of Accounling and Reporting by Charities: Statement of Recomtnended 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
Objeclives and airns
The trustees have considered the Charity Commission's guidance on public benefit, including the guidance 'public benefit:
nning a charlly (PB2)'.
REFERENCE AND ADMINISTRATniE INFORMATION
Name ofcharity
Charity registration number
Company regislratitsn number
Principal address
CROSSROADS WOMEN
1134495
07087291
25 Wolsey Mews
London
MW5 2DX
Trustees
The Irustees and officers serving during the yearand since the yearend were asfollows:
Selma Jarnes
Caroline Begue
Solveig Marie Francis
Claire Rachel Glasman
Cristel Amiss
Sylvia Carrie Salley
Independent examiner
Emmanuel Mensah FMAAT
Ground Floorwest Office 10
Nicholas Hous8, River Ffonl
Enfield
EN13TF
Bankers
LIDyd5 Bank plc
Kilburn Branch
PO Box 1000
BX1 1LT
Approved by the Board of Trustees and STgned on its behalf by
Solveig Marie Francis Trustee
1 of 14

CROSSROADS WOMEN
Independent Examiners Report to the Trustees
For the year ended 31 December 2022
I report to the trust8es on my examination of the acLounts of the charilable company for the year anded 31 December 2022.
Responsibilitres and basis af report
As the charily Trustees, who are also directors fDr the purposes of company law. are responsible for the preparation of Ihe
accounts in accordance with the requirements of the Companies Act 2006 ('the 20Q6 Act,).
Having satisfied myself that the accounts of the Company are not required to be audited under Parl 16 of the 2006 Act and
are eligible for independent examination. I report in respect of my examinalion of your charify's accounts carried out under
section 145 of Ihe 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.
Independenl examin4rs slatoment
I have completed my examination. I confirm that no rnatters have come lo my attentior) in connection with the examination
giving rne Gause lo believe that in any material respect:
1. aCc￿UntIng records were not kept in respect of the Cornpany as required by section 386 of the 2006 Acl: or
2. the accounts do not accord with those records: or
3. the accounts do not comply wilh the requiremenls of seclton 396 of the 2006 Act other than any rBquirement thal the
accounts give a 'lrue 8nd fair viev which is not a matt8r I￿nSidered as part of an independent exarnination: or
4. the accounts have not been prepared in accordance with the methods and principles ofthe Statement of Recommended
Practice for accounting and feporting by charilies applicable lo charities preparing thetr accounts in accordance with the
Financial Reporting Standar(% applicable in the UK and Republic of Ireland {FRS 102).
I have no concems and have come across no other matters in connection wilh the examination to which attention should be
drawn in this report in order to enable a proper underslanding of the aC￿)untS to be reached.
Emmanuel Mensah FMAAT
Ground Floor West Office 10
Nicholas House. River Front
Enfield
EN13TF
Date: 28 Sep 2023
2of14

CROSSROADS WOMEN
Statement of Financial Aclivities (including Income and ExpendIt￿re Account)
Forthe year ended 31 December 2022
Notes
Unrestrictsd
funds
Restricted
funds
2022
2021
Income and endowments from..
Donations and legacies
Charileble activities
Investments
Other incorne
16.921
2,953
331
46,15Q
67.773
63,071
70,726
331
75.120
53,301
71
1.949
1.949
Total
22,154
113,923
136,077
128.492
ExpendÉture on..
Charitable aclrvitie5
Otherexpenditure
Total
(16.718)
(113,953)
(130,671)
(104,571)
(3.121)
(107,692)
(16,718)
(113,953)
1130,671)
Net incomelexpenditure
Reconciliation of funds
Total funds brought fon¥ard
Tolal funds carried forward
5,436
(30)
5.406
20.800
80.558
1,188,995
1,188,965
1.269.553
1,274,959
1,248,753
1,269,553
85,994
3of14

Registered Number =
07087291
CROSSROADS WOMEN
Slatement of Financial Position
As at 31 De￿rnber 2022
Notss
2022
2021
Fixed assets
Tangible assets
11
1.026,173
1.026.173
1,026,173
1,026,173
Current assets
Debtors: amounts falling due within one year
Debtors: arnounts fslling due after more Ihan one year
Cash at bank and in hand
12
18,633
5,136
12
277,226
295,859
289,272
295,406
{52.026)
Creditors: amounts falling due within on? year
Net current assets
13
(47,073)
24B,786
1,274,959
243,380
1.269,553
Total assets less current liabilities
Net assets
1,274,959
1,269,S53
The funds of the charity
Restricted income funds
Unrestricted income funds
Total funds
14
1.188,965
85,994
1.274,959
1,269.553
For Ihe year ended 31 December 2022the company was entitled to exemption from audit under section 477of Ihe
Companies Act 2006 relating to small c(Jmpanies.
The rnembers have not required the C￿rnpany to obtain an audit of its accounts for the year in question in a¢xordance
with section 476.
The trustees 8cknowledge their responsibilities for complying with the requirements of the Act with respect to accounting
r8¢0rds the preparation of accounts. These accounts have been prepare(l in accordance with the provisions
applicable to companies subject to the small companies, regime.
1,188,995
80,558
14
The financial statements were approved and authorised for issue by the Board and signed on its behalf by..
Solveig Marie Francis
Trustee
4of14

CROSSROADS WOMEN
Notes to the Financial Statements
For the yearended 31 December 2022
1. AcGountlng Policies
Basis of accounting
The financial statemenls have been prepared under the historical cost convention, except for investments which are
included at markel value and the revaluation of certain fixed assets and in accordan￿ with the Charities SORP (FRS
102) 'Accounting and Reporting by Charities: St8tement of Recommencled Practice applicable to char¢ties preparing their
ac(￿untS in aGcordance wilh Ihe Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)
(effective 1 January 2019),. Financial Reporting Sland8rd 102 the Financi81 Reporting Standard applicable in the UK and
Republic of Ireland (FRS 102). and the Companies Act 2006.
CROSSROADS WOMEN ffteets the definition of a public benefit enlity under FRS 102. Ass8ts and liabilities are initially
recognised al historical cost or transaclion value unless otherwise staled in the relevant accounting policy note(s).
2. Income frtsm donations and legacies
UnrestricAed
funds
Restricted
ftEnds
2022
2021
Donations received
16,921
9,150
26.071
12,470
62,650
Grants re￿iVed
37,000
37,000
16,921
46.150
63.071
75.120
5of14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
Forthe year ended 31 De￿mber2o22
3. Income from charitable activities
Unrestrfcted
funds
Rèstricted
funds
2022
2021
Women's Centre forAII
Use of Premises l Room Hire
Use of Other Services & Clinic
20.460
3,214
23,6T4
20,460
5,262
25,722
18,690
1,500
20,190
2,048
Repayments for use ofser￿￿8
Asylum Fares
Copying & Piinting and Postage & Stslionery
Luncheslrefreshments
Phonelbr08dband
Intemalional Travel
4.956
3,150
8,861
2,850
3,501
23,318
4,956
4,055
8,861
2,850
3,501
24.223
237
905
3.933
3,012
3,580
905
10,762
Appeals In/Out
Persul8 for Xmas Appeal
Xinas Appeal- PayPal
Xmas Appeal- Stripe
2,000
1,894
5,955
9,849
6,506
1,775
8,281
6,506
1,775
8,281
AAWG
Blue Thread (All African
Women's Group)
Sainsburys (All African
Women's Group)
JJ Charétable Trtsst (All African
Women's Group)
5.000
7,500
7.500
7.500
5,000
5,000
12,500
12,SOO
12,500
2,953
67,773
70.726
S3,301
4. Inveslment income
2022
2021
Unrestricted fund5
Bank interest receivable
331
71
331
71
6of14

CROSSROADS WOMEN
Noles to the Financial Slatements Continued
Forlhe year ended 31 December 2022
5. Other Income
2022
2021
Unrestricted funds
Don8tions and Gr8nts- Held
Other Income- (Prior Year Adjustrnent)
Other Incorne- (Floats in)
25
1.580
1.949
6. Costs tsf charitabl$ activities by fund type
Unrestricte(I
funds
R8strɢted
funds
2022
2021
Women's Centre for AJI
83,284
9,820
20.849
83,284
9.820
73,035
11.587
5,262
14,687
Appeals Inlout
AAWG
20.849
16,718
Support costs
16.738
16,718
113,953
130,671
104,571
7. Costs of charitable activities by activity typ6
Aetivities
undertaken
directty
Grant
fundiog ol
actlvitie5
Support
costs
2022
2021
Support CQ5ts
Women's Centre for All
83,284
16.718
100,002
9,820
20,849
87.722
11,587
5.262
Appeals Inlout
AAWG
9.820
20,849
104,133
9,820
16,718
130,671
11M,571
7of14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
For the year ended 31 December 2022
8. Analysis of support costs
2022
2021
Women's Centre for All
Management
Finance & Bookkeeping
Insuranc
1,423
1.973
1,215
1,696
2.467
419
1,920
5,429
447
Maintenance & repairs
Postage
Utilities: Eleclrictty. Gas
& Waler
1,143
1,496
Business Rates
5,023
1,333
4,797
1.224
Governanc£ t￿}Sts
16.718
14.687
g. Partlculars ol ernployees
2022
2021
Support Staff
10. Comparative for the Statement of Financial Aclivilies
Unrestrieted
funds
Restrieted
funds
2021
Incorne and endowments fram:
Don8t(ons and legacies
Charitable activities
Investments
12,170
1.737
71
62,950
51.564
75,120
53,301
71
Total
13,978
114,514
128,492
Expenditure on:
Charitable activities
Otherexpenditure
Total
(14.687)
{3,121)
(17,808)
(89.884)
(104.571)
{3.121)
(107,692)
(89,884}
Net incomelexpendltur?
Reconcillatiah of funds
Tolal funds brought forward
Total funds Garried forward
{3,830)
24630
20,800
84,388
80,558
1,164,365
1,188.995
1.248.753
1,269,553
8of14

CROSSROADS WOMEN
Notes lo the Financial Staternents Continued
For the year ended 31 December2022
11. Tangible fFxed a65ets
Office
Building45
Wolsey Mew
Cost or valuation
At 01 January 2022
At 31 December 2022
1,026.173
1.026.173
Nét book values
At 31 December 2022
1,026,173
At 31 December2021
1,026.173
12. Debtors
2022
2021
Amounts due within one year:
Other deblors
18,633
5.136
18,633
5,136
AmoLtnls due after more than one year:
other debtors
998
13. Creditors: amounts faltEng due within onè yèar
2022
2021
Other credilors
10.753
13.802
38,224
AcGruals arKI deferred income
36,320
47.073
S2,026
14. Movement in fund$
Unrestricted Funds
8alanceat
0110112022
Incoming
resources
Outgoing
resotsrces
Balance at
3111212022
GeneTrl
General
80,558
22.154
(16.718)
85,994
80.558
22.154
(16,718)
85,994
9of14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
For the year ended 31 December 2022
Unrestricted Funds - Previous year
Balance at
0110112021
Incoming
resources
Outgoing
resources
Balance al
3111212021
General
Gener81
84,388
13,978
(17.808)
80,558
84388
13.978
(17,808)
80.558
Purpose of unrestricted Funds
General
Theses are unrestricted funds to be applied at the discretion of the trustee boarrl and within the context of the objects
of the charity.
Restricted Funds
Balance at
0110112022
Incoming
resources
Outgoing
resources
Balance at
3111212022
Reslricted Funds
1,188,995
113.923
(113.953)
1.188,965
1,188,995
113,923
(113.953)
1,183,965
Restricted Funds - Prnvious year
Balance at
0110112021
Incorning
resources
Outgoing
resources
Balance at
3111212021
Restricted Funds
1.164,365
114,514
(89,884)
1.188,995
1,164,365
114,514
(89.884)
1.188,995
Purpose tsf restricted funds
Restricted Funds
For Restricted Activilies
IOof14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
For the year ended 31 December 2022
15. Analysis of net assets belween funds
Tangible
rixed assets
Net current
assets I
(liabil ities}
Net Assèts
Urtrestricted funils
Generdl
General
(1,320)
(1,320)
Restricted funds
Restrlcted Funds
1,028,173
250,108
1,276.279
1,026,173
248,r86
1,274,959
Previous year
Tangibt•
fixed assets
Nèt current
assets I
(liabilities)
Nat Assets
Unrestricted funds
General
General
(942)
(942)
Restricted funds
Reslricted Funds
1,026,173
244,322
1,270,495
1,026.173
243,380
1.269.553
11of14

CROSSROADS WOMEN
Detailed Staiemenl of Financial Activities
For the year ended 31 December 2022
2022
2021
INCOME AND ENDOWMEKr
Donations and lègacies
Donations from GYE
Donations from individuals
Gift Aided Donations & Clairns
ACTS
7,173
4,050
1.902
150
1,196
4,682
1.083
300
Donations - Rodi 'n Roll Rescue
DoTrations- Other
Big Lottery Fund
Grants - Persula
Grants- Roughley Trusl
9.000
3,796
4.000
1,209
62,650
33.000
4,000
63,071
75.120
Charitable actFVities
Use of PremiseslRoom Hire
20.460
18,690
Financial Services
Complem8ntary Cflnic
Media & Speaking Fees
1,960
3,214
60
1,500
Books and Accessories
Asylum fares
Postage
Copying & printing
28
4,956
237
3,150
3,933
Postage & Stationery
gos
Luncheslrefreshments
8,861
3.012
Phonelbroadband
2,850
3,580
International Travel
3,501
Persula for Xmas Appeal
Xrnas Appeal - PayPal
Xmas Appeal- Stripe
Blue Thread (All African Women's Group)
(AAWG)
Sainsburys (AIIAfricanWomen'sGroup)
(AAWG)
JJ Charitable Trust (All African Women's Group)
(AAWG)
1000
1,894
5.955
5,000
6,506
1,775
7.500
7,500
5,000
70,726
53,301
Investrnents
Bank interesl receivable
331
71
331
71
Other income
Petty Cash Refvnd
Olher Income - (Prior Year Adjustment)
Olher Income- (Floats in)
25
1,580
344
12of14
This page does not fom) part of the statutory financial statements

CROSSROADS WOMEN
Detailed Statement of FinancFal Activities Continued
Forthe year ended 31 December2022
1,949
Total incomÈng rÉsources
EXPENDrruRE
Charitable activities
136.077
128,492
Childcare and Playgroup costs
(335)
Equipment: Compuler, Furniture
{103)
(2,219)
Comp18mentary Heallh Clinic
{1.974)
{619)
Information and Research
(228)
(643)
International fares
Lunch and Refreshments
(3.501)
(7,568)
(2.108)
Print and Copying
Stationery & Compvter supplies
(6,855)
(2,090)
(6,498)
{1.027)
Training
Travel: Volunteers
Telephone and Broadband
(400)
(456)
(7.137)
(2,606)
(7,935)
Payroll costs
Oral Hislory Projecl
Floats Out
Website Fees
(49.200)
(50,513)
(1,415)
(344)
(293)
(252)
(9,820)
(7,329)
(3,946)
(1,720)
(7,854)
Payroll Process Fees
Appeals & Donations - Out
Cost of direct charitable activi1y (AAWG)
Self-Help Gmup Fares (AAWG)
Phone {AAWG}
Travelcards (MWG)
(11,587)
(5.262)
(113,953)
(89,884)
Other
Other Expenses (BWRAP - Overpayment
Refund)
Other resources expended
(2,870)
{251)
(3,121)
SUPPORT COSTS
Managemenl
Health and safely
Bank ch2rges
(1,299)
{124J
(1,887)
{86)
11,423)
(1.973)
Finance & Bookkeeping
Finance & Bookkeeping (Women's Centre for
All)
(1,215)
(1,215)
Insurance
Insurance
(1,920)
(1,696)
(1.920)
(1,696)
13of14
This page does not form part of the statutory financial slatements

CROSSROADS WOMEN
Detailed Statement of Financial Activities Continued
For the yearended 31 December2022
Malntenance & repairs
Maintenance & repairs (Women's Centre for All)
(5.429)
(2,467)
(5,429)
(2,46n
Postage
Postage (Women's Centre for All)
{447)
(419)
(447)
{419)
utilities= Electricity, Gas & Water
Utilities: Electricity, Gas & Water (Women's
Centre for All)
{1.143)
(1,496)
(1.143)
(1,496)
Buslnè55 Rates
Business Rates (Wornen's Centre for All)
(5.023)
{4,197)
15.023)
(4.197)
Govemance costs
Governance costs (Women's Centre for All)
Companies House (Women's Centr8 forAII)
(1 ,320)
(13)
{1,224)
(1,333)
(1.224)
Tatal resources expénded
1130.671)
(107,692)
Net Income
5,406
20,800
14of14
This page does not form part of the stslutory financial statements

Charity number: 1134495
Company number: 07087291
{England and Wales)
CROSSROADS WOMEN
Report of the Trustees 2nd Unaudited Financial Statements
For the year ended 31 December.2022

CROSSROADS WOMEN
Contents Page
For the year ended 31 December 2022
Report of the Trustees
Independent Examinerfs Report to the Tnjstees
Statement of Financiat Activities
Staternenl of Financial Position
Notes to th8 Financial Statements
5t011
Detailed Slatement of Financial Activities
121014

CROSSROADS WOMEN
Report of the Truslees
For the year ended 31 December 2022
The Trustees. who are also directors for Ihe purposes of company law, have pleasure ITr presenting their report and the
financial ststements for the charitable company for the year ended 31 December 2022. The Trustees have adopted the
provisions of Accounling and Reporting by Charities: Statement of Recomtnended 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
Objeclives and airns
The trustees have considered the Charity Commission's guidance on public benefit, including the guidance 'public benefit:
nning a charlly (PB2)'.
REFERENCE AND ADMINISTRATniE INFORMATION
Name ofcharity
Charity registration number
Company regislratitsn number
Principal address
CROSSROADS WOMEN
1134495
07087291
25 Wolsey Mews
London
MW5 2DX
Trustees
The Irustees and officers serving during the yearand since the yearend were asfollows:
Selma Jarnes
Caroline Begue
Solveig Marie Francis
Claire Rachel Glasman
Cristel Amiss
Sylvia Carrie Salley
Independent examiner
Emmanuel Mensah FMAAT
Ground Floorwest Office 10
Nicholas Hous8, River Ffonl
Enfield
EN13TF
Bankers
LIDyd5 Bank plc
Kilburn Branch
PO Box 1000
BX1 1LT
Approved by the Board of Trustees and STgned on its behalf by
Solveig Marie Francis Trustee
1 of 14

CROSSROADS WOMEN
Independent Examiners Report to the Trustees
For the year ended 31 December 2022
I report to the trust8es on my examination of the acLounts of the charilable company for the year anded 31 December 2022.
Responsibilitres and basis af report
As the charily Trustees, who are also directors fDr the purposes of company law. are responsible for the preparation of Ihe
accounts in accordance with the requirements of the Companies Act 2006 ('the 20Q6 Act,).
Having satisfied myself that the accounts of the Company are not required to be audited under Parl 16 of the 2006 Act and
are eligible for independent examination. I report in respect of my examinalion of your charify's accounts carried out under
section 145 of Ihe 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.
Independenl examin4rs slatoment
I have completed my examination. I confirm that no rnatters have come lo my attentior) in connection with the examination
giving rne Gause lo believe that in any material respect:
1. aCc￿UntIng records were not kept in respect of the Cornpany as required by section 386 of the 2006 Acl: or
2. the accounts do not accord with those records: or
3. the accounts do not comply wilh the requiremenls of seclton 396 of the 2006 Act other than any rBquirement thal the
accounts give a 'lrue 8nd fair viev which is not a matt8r I￿nSidered as part of an independent exarnination: or
4. the accounts have not been prepared in accordance with the methods and principles ofthe Statement of Recommended
Practice for accounting and feporting by charilies applicable lo charities preparing thetr accounts in accordance with the
Financial Reporting Standar(% applicable in the UK and Republic of Ireland {FRS 102).
I have no concems and have come across no other matters in connection wilh the examination to which attention should be
drawn in this report in order to enable a proper underslanding of the aC￿)untS to be reached.
Emmanuel Mensah FMAAT
Ground Floor West Office 10
Nicholas House. River Front
Enfield
EN13TF
Date: 28 Sep 2023
2of14

CROSSROADS WOMEN
Statement of Financial Aclivities (including Income and ExpendIt￿re Account)
Forthe year ended 31 December 2022
Notes
Unrestrictsd
funds
Restricted
funds
2022
2021
Income and endowments from..
Donations and legacies
Charileble activities
Investments
Other incorne
16.921
2,953
331
46,15Q
67.773
63,071
70,726
331
75.120
53,301
71
1.949
1.949
Total
22,154
113,923
136,077
128.492
ExpendÉture on..
Charitable aclrvitie5
Otherexpenditure
Total
(16.718)
(113,953)
(130,671)
(104,571)
(3.121)
(107,692)
(16,718)
(113,953)
1130,671)
Net incomelexpenditure
Reconciliation of funds
Total funds brought fon¥ard
Tolal funds carried forward
5,436
(30)
5.406
20.800
80.558
1,188,995
1,188,965
1.269.553
1,274,959
1,248,753
1,269,553
85,994
3of14

Registered Number =
07087291
CROSSROADS WOMEN
Slatement of Financial Position
As at 31 De￿rnber 2022
Notss
2022
2021
Fixed assets
Tangible assets
11
1.026,173
1.026.173
1,026,173
1,026,173
Current assets
Debtors: amounts falling due within one year
Debtors: arnounts fslling due after more Ihan one year
Cash at bank and in hand
12
18,633
5,136
12
277,226
295,859
289,272
295,406
{52.026)
Creditors: amounts falling due within on? year
Net current assets
13
(47,073)
24B,786
1,274,959
243,380
1.269,553
Total assets less current liabilities
Net assets
1,274,959
1,269,S53
The funds of the charity
Restricted income funds
Unrestricted income funds
Total funds
14
1.188,965
85,994
1.274,959
1,269.553
For Ihe year ended 31 December 2022the company was entitled to exemption from audit under section 477of Ihe
Companies Act 2006 relating to small c(Jmpanies.
The rnembers have not required the C￿rnpany to obtain an audit of its accounts for the year in question in a¢xordance
with section 476.
The trustees 8cknowledge their responsibilities for complying with the requirements of the Act with respect to accounting
r8¢0rds the preparation of accounts. These accounts have been prepare(l in accordance with the provisions
applicable to companies subject to the small companies, regime.
1,188,995
80,558
14
The financial statements were approved and authorised for issue by the Board and signed on its behalf by..
Solveig Marie Francis
Trustee
4of14

CROSSROADS WOMEN
Notes to the Financial Statements
For the yearended 31 December 2022
1. AcGountlng Policies
Basis of accounting
The financial statemenls have been prepared under the historical cost convention, except for investments which are
included at markel value and the revaluation of certain fixed assets and in accordan￿ with the Charities SORP (FRS
102) 'Accounting and Reporting by Charities: St8tement of Recommencled Practice applicable to char¢ties preparing their
ac(￿untS in aGcordance wilh Ihe Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)
(effective 1 January 2019),. Financial Reporting Sland8rd 102 the Financi81 Reporting Standard applicable in the UK and
Republic of Ireland (FRS 102). and the Companies Act 2006.
CROSSROADS WOMEN ffteets the definition of a public benefit enlity under FRS 102. Ass8ts and liabilities are initially
recognised al historical cost or transaclion value unless otherwise staled in the relevant accounting policy note(s).
2. Income frtsm donations and legacies
UnrestricAed
funds
Restricted
ftEnds
2022
2021
Donations received
16,921
9,150
26.071
12,470
62,650
Grants re￿iVed
37,000
37,000
16,921
46.150
63.071
75.120
5of14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
Forthe year ended 31 De￿mber2o22
3. Income from charitable activities
Unrestrfcted
funds
Rèstricted
funds
2022
2021
Women's Centre forAII
Use of Premises l Room Hire
Use of Other Services & Clinic
20.460
3,214
23,6T4
20,460
5,262
25,722
18,690
1,500
20,190
2,048
Repayments for use ofser￿￿8
Asylum Fares
Copying & Piinting and Postage & Stslionery
Luncheslrefreshments
Phonelbr08dband
Intemalional Travel
4.956
3,150
8,861
2,850
3,501
23,318
4,956
4,055
8,861
2,850
3,501
24.223
237
905
3.933
3,012
3,580
905
10,762
Appeals In/Out
Persul8 for Xmas Appeal
Xinas Appeal- PayPal
Xmas Appeal- Stripe
2,000
1,894
5,955
9,849
6,506
1,775
8,281
6,506
1,775
8,281
AAWG
Blue Thread (All African
Women's Group)
Sainsburys (All African
Women's Group)
JJ Charétable Trtsst (All African
Women's Group)
5.000
7,500
7.500
7.500
5,000
5,000
12,500
12,SOO
12,500
2,953
67,773
70.726
S3,301
4. Inveslment income
2022
2021
Unrestricted fund5
Bank interest receivable
331
71
331
71
6of14

CROSSROADS WOMEN
Noles to the Financial Slatements Continued
Forlhe year ended 31 December 2022
5. Other Income
2022
2021
Unrestricted funds
Don8tions and Gr8nts- Held
Other Income- (Prior Year Adjustrnent)
Other Incorne- (Floats in)
25
1.580
1.949
6. Costs tsf charitabl$ activities by fund type
Unrestricte(I
funds
R8strɢted
funds
2022
2021
Women's Centre for AJI
83,284
9,820
20.849
83,284
9.820
73,035
11.587
5,262
14,687
Appeals Inlout
AAWG
20.849
16,718
Support costs
16.738
16,718
113,953
130,671
104,571
7. Costs of charitable activities by activity typ6
Aetivities
undertaken
directty
Grant
fundiog ol
actlvitie5
Support
costs
2022
2021
Support CQ5ts
Women's Centre for All
83,284
16.718
100,002
9,820
20,849
87.722
11,587
5.262
Appeals Inlout
AAWG
9.820
20,849
104,133
9,820
16,718
130,671
11M,571
7of14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
For the year ended 31 December 2022
8. Analysis of support costs
2022
2021
Women's Centre for All
Management
Finance & Bookkeeping
Insuranc
1,423
1.973
1,215
1,696
2.467
419
1,920
5,429
447
Maintenance & repairs
Postage
Utilities: Eleclrictty. Gas
& Waler
1,143
1,496
Business Rates
5,023
1,333
4,797
1.224
Governanc£ t￿}Sts
16.718
14.687
g. Partlculars ol ernployees
2022
2021
Support Staff
10. Comparative for the Statement of Financial Aclivilies
Unrestrieted
funds
Restrieted
funds
2021
Incorne and endowments fram:
Don8t(ons and legacies
Charitable activities
Investments
12,170
1.737
71
62,950
51.564
75,120
53,301
71
Total
13,978
114,514
128,492
Expenditure on:
Charitable activities
Otherexpenditure
Total
(14.687)
{3,121)
(17,808)
(89.884)
(104.571)
{3.121)
(107,692)
(89,884}
Net incomelexpendltur?
Reconcillatiah of funds
Tolal funds brought forward
Total funds Garried forward
{3,830)
24630
20,800
84,388
80,558
1,164,365
1,188.995
1.248.753
1,269,553
8of14

CROSSROADS WOMEN
Notes lo the Financial Staternents Continued
For the year ended 31 December2022
11. Tangible fFxed a65ets
Office
Building45
Wolsey Mew
Cost or valuation
At 01 January 2022
At 31 December 2022
1,026.173
1.026.173
Nét book values
At 31 December 2022
1,026,173
At 31 December2021
1,026.173
12. Debtors
2022
2021
Amounts due within one year:
Other deblors
18,633
5.136
18,633
5,136
AmoLtnls due after more than one year:
other debtors
998
13. Creditors: amounts faltEng due within onè yèar
2022
2021
Other credilors
10.753
13.802
38,224
AcGruals arKI deferred income
36,320
47.073
S2,026
14. Movement in fund$
Unrestricted Funds
8alanceat
0110112022
Incoming
resources
Outgoing
resotsrces
Balance at
3111212022
GeneTrl
General
80,558
22.154
(16.718)
85,994
80.558
22.154
(16,718)
85,994
9of14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
For the year ended 31 December 2022
Unrestricted Funds - Previous year
Balance at
0110112021
Incoming
resources
Outgoing
resources
Balance al
3111212021
General
Gener81
84,388
13,978
(17.808)
80,558
84388
13.978
(17,808)
80.558
Purpose of unrestricted Funds
General
Theses are unrestricted funds to be applied at the discretion of the trustee boarrl and within the context of the objects
of the charity.
Restricted Funds
Balance at
0110112022
Incoming
resources
Outgoing
resources
Balance at
3111212022
Reslricted Funds
1,188,995
113.923
(113.953)
1.188,965
1,188,995
113,923
(113.953)
1,183,965
Restricted Funds - Prnvious year
Balance at
0110112021
Incorning
resources
Outgoing
resources
Balance at
3111212021
Restricted Funds
1.164,365
114,514
(89,884)
1.188,995
1,164,365
114,514
(89.884)
1.188,995
Purpose tsf restricted funds
Restricted Funds
For Restricted Activilies
IOof14

CROSSROADS WOMEN
Notes to the Financial Statements Continued
For the year ended 31 December 2022
15. Analysis of net assets belween funds
Tangible
rixed assets
Net current
assets I
(liabil ities}
Net Assèts
Urtrestricted funils
Generdl
General
(1,320)
(1,320)
Restricted funds
Restrlcted Funds
1,028,173
250,108
1,276.279
1,026,173
248,r86
1,274,959
Previous year
Tangibt•
fixed assets
Nèt current
assets I
(liabilities)
Nat Assets
Unrestricted funds
General
General
(942)
(942)
Restricted funds
Reslricted Funds
1,026,173
244,322
1,270,495
1,026.173
243,380
1.269.553
11of14

CROSSROADS WOMEN
Detailed Staiemenl of Financial Activities
For the year ended 31 December 2022
2022
2021
INCOME AND ENDOWMEKr
Donations and lègacies
Donations from GYE
Donations from individuals
Gift Aided Donations & Clairns
ACTS
7,173
4,050
1.902
150
1,196
4,682
1.083
300
Donations - Rodi 'n Roll Rescue
DoTrations- Other
Big Lottery Fund
Grants - Persula
Grants- Roughley Trusl
9.000
3,796
4.000
1,209
62,650
33.000
4,000
63,071
75.120
Charitable actFVities
Use of PremiseslRoom Hire
20.460
18,690
Financial Services
Complem8ntary Cflnic
Media & Speaking Fees
1,960
3,214
60
1,500
Books and Accessories
Asylum fares
Postage
Copying & printing
28
4,956
237
3,150
3,933
Postage & Stationery
gos
Luncheslrefreshments
8,861
3.012
Phonelbroadband
2,850
3,580
International Travel
3,501
Persula for Xmas Appeal
Xrnas Appeal - PayPal
Xmas Appeal- Stripe
Blue Thread (All African Women's Group)
(AAWG)
Sainsburys (AIIAfricanWomen'sGroup)
(AAWG)
JJ Charitable Trust (All African Women's Group)
(AAWG)
1000
1,894
5.955
5,000
6,506
1,775
7.500
7,500
5,000
70,726
53,301
Investrnents
Bank interesl receivable
331
71
331
71
Other income
Petty Cash Refvnd
Olher Income - (Prior Year Adjustment)
Olher Income- (Floats in)
25
1,580
344
12of14
This page does not fom) part of the statutory financial statements

CROSSROADS WOMEN
Detailed Statement of FinancFal Activities Continued
Forthe year ended 31 December2022
1,949
Total incomÈng rÉsources
EXPENDrruRE
Charitable activities
136.077
128,492
Childcare and Playgroup costs
(335)
Equipment: Compuler, Furniture
{103)
(2,219)
Comp18mentary Heallh Clinic
{1.974)
{619)
Information and Research
(228)
(643)
International fares
Lunch and Refreshments
(3.501)
(7,568)
(2.108)
Print and Copying
Stationery & Compvter supplies
(6,855)
(2,090)
(6,498)
{1.027)
Training
Travel: Volunteers
Telephone and Broadband
(400)
(456)
(7.137)
(2,606)
(7,935)
Payroll costs
Oral Hislory Projecl
Floats Out
Website Fees
(49.200)
(50,513)
(1,415)
(344)
(293)
(252)
(9,820)
(7,329)
(3,946)
(1,720)
(7,854)
Payroll Process Fees
Appeals & Donations - Out
Cost of direct charitable activi1y (AAWG)
Self-Help Gmup Fares (AAWG)
Phone {AAWG}
Travelcards (MWG)
(11,587)
(5.262)
(113,953)
(89,884)
Other
Other Expenses (BWRAP - Overpayment
Refund)
Other resources expended
(2,870)
{251)
(3,121)
SUPPORT COSTS
Managemenl
Health and safely
Bank ch2rges
(1,299)
{124J
(1,887)
{86)
11,423)
(1.973)
Finance & Bookkeeping
Finance & Bookkeeping (Women's Centre for
All)
(1,215)
(1,215)
Insurance
Insurance
(1,920)
(1,696)
(1.920)
(1,696)
13of14
This page does not form part of the statutory financial slatements

CROSSROADS WOMEN
Detailed Statement of Financial Activities Continued
For the yearended 31 December2022
Malntenance & repairs
Maintenance & repairs (Women's Centre for All)
(5.429)
(2,467)
(5,429)
(2,46n
Postage
Postage (Women's Centre for All)
{447)
(419)
(447)
{419)
utilities= Electricity, Gas & Water
Utilities: Electricity, Gas & Water (Women's
Centre for All)
{1.143)
(1,496)
(1.143)
(1,496)
Buslnè55 Rates
Business Rates (Wornen's Centre for All)
(5.023)
{4,197)
15.023)
(4.197)
Govemance costs
Governance costs (Women's Centre for All)
Companies House (Women's Centr8 forAII)
(1 ,320)
(13)
{1,224)
(1,333)
(1.224)
Tatal resources expénded
1130.671)
(107,692)
Net Income
5,406
20,800
14of14
This page does not form part of the stslutory financial statements