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2020-10-31-accounts

REGISTERED COMPANY NUMBER: 07330341 (England and Wales) REGISTERED CHARITY NUMBER: 1138167

EZER BEKOVOID LIMITED (A COMPANY LIMITED BY GUARANTEE)

REPORT OF THE TRUSTEES AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 OCTOBER 2020

Sugarwhite Meyer Accountants Ltd Chartered Accountants & Statutory Auditor First Floor 94 Stamford Hill London N16 6XS

EZER BEKOVOID LIMITED

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 OCTOBER 2020

Page
Reference and Administrative Details 1
Report of the Trustees 2 to 3
Report of the Independent Auditors 4 to 5
Statement of Financial Activities 6
Balance Sheet 7
Cash Flow Statement 8
Notes to the Cash Flow Statement 9
Notes to the Financial Statements 10 to 16

EZER BEKOVOID LIMITED

REFERENCE AND ADMINISTRATIVE DETAILS FOR THE YEAR ENDED 31 OCTOBER 2020

TRUSTEES C S Goldfinger (died 28 November 2020) A Langberg J A Ost J Teitelbaum REGISTERED OFFICE 6 Grosvenor Way London E5 9ND REGISTERED COMPANY 07330341 (England and Wales) NUMBER REGISTERED CHARITY 1138167 NUMBER AUDITORS Sugarwhite Meyer Accountants Ltd Chartered Accountants & Statutory Auditor First Floor 94 Stamford Hill London N16 6XS BANKERS United Mizrahi Tefahot Bank Ltd 30 Old Broad Street London EC2N 1HQ

Page 1

EZER BEKOVOID LIMITED (REGISTERED NUMBER: 07330341)

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 OCTOBER 2020

The trustees who are also directors of the charity for the purposes of the Companies Act 2006, present their report with the financial statements of the charity for the year ended 31 October 2020. 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 Republic of Ireland (FRS 102) (effective 1 January 2019).

Reference and administrative information

Reference and administrative information is shown on page 1 of the financial statements and forms part of this report.

OBJECTIVES AND ACTIVITIES

Objectives and aims for public benefit

The objects of the charity are the advancement of the Orthodox Jewish Faith, advancement of education, relief of poverty and such other purposes as are recognised by English Law as charitable.

The trustees confirm that they have referred to the Charity Commission's general guidance on public benefit when reviewing the charity's aims and objectives. The charity carries out its objects by grantmaking.

Grant making policy

All applications to the charity for grants are considered carefully by the trustees at regular meetings. On most occasions, if the trustees feel that the application meets their approval in principle, they will meet applicants face to face and discuss with them details of the application. The trustees usually then have a further meeting before making a decision as to whether assistance should be granted, and if so, to what level. All grants must be approved by the unanimous agreement of the Trustees.

ACHIEVEMENT AND PERFORMANCE

Activities

Further monies were raised for the Keser Malchus Girls' School and Bachatzros Kodshecho Boys' School. The charity has also donated grants and food to individuals in Israel who have found themselves in particular financial hardship.

FINANCIAL REVIEW

Financial position

The charity receives its income by way of donations. There was a decrease in income for the year and the trustees reduced grantmaking. There was a deficit for the year.

Reserves policy

The trustees do not seek to maintain significant levels of reserves, other than to ensure that they can continue the activities of the charity.

FUTURE PLANS

The trustees anticipate that the charity will continue on a similar basis in the foreseeable future subject to satisfactory income and there are no plans for any major changes.The outbreak of the COVID-19 during 2020 has presented risks which are beyond the control of the charity and represents uncertainty to the revenue and valuation of its assets which cannot presently be quantified. The trustees are able to control the charity's grant making and as such the trustees believe the charity will continue as a going concern.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is constituted as a limited company and is governed by its Memorandum and Articles of Association dated 29 July 2010.

Organisational structure

The day to day affairs of the charity are administered by the trustees. The power to appoint new trustees is vested in the trustees. It is not the intention of the trustees of the charity to appoint any new trustees. Should the situation change in the future, the trustees will apply suitable recruitment induction and training procedures.

Page 2

EZER BEKOVOID LIMITED (REGISTERED NUMBER: 07330341)

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 OCTOBER 2020

STRUCTURE, GOVERNANCE AND MANAGEMENT

Risk management

The trustees have reviewed the major risks to which the charity is exposed and confirm that they have established systems to mitigate them.

STATEMENT OF TRUSTEES' RESPONSIBILITIES

The trustees (who are also the directors of Ezer Bekovoid Limited for the purposes of company law) are responsible for preparing the Report of the Trustees and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charitable company and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that period. In preparing those financial statements, the trustees are required to

The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charitable company and to enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

In so far as the trustees are aware:

AUDITORS

The auditors, Sugarwhite Meyer Accountants Ltd, will be proposed for re-appointment at the forthcoming Annual General Meeting.

This report has been prepared in accordance with the special provisions of Part 15 of the Companies Act 2006 relating to small companies.

Approved by order of the board of trustees on 23 December 2021 and signed on its behalf by:

J Teitelbaum - Trustee

Page 3

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF EZER BEKOVOID LIMITED

Opinion

We have audited the financial statements of Ezer Bekovoid Limited (the 'charitable company') for the year ended 31 October 2020 which comprise the Statement of Financial Activities, the Balance Sheet, the Cash Flow Statement and notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the charitable company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC's Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

We have nothing to report in respect of the following matters in relation to which the ISAs (UK) require us to report to you where:

Other information

The trustees are responsible for the other information. The other information comprises the information included in the Annual Report, other than the financial statements and our Report of the Independent Auditors thereon.

Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

Page 4

REPORT OF THE INDEPENDENT AUDITORS TO THE MEMBERS OF EZER BEKOVOID LIMITED

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charitable company and its environment obtained in the course of the audit, we have not identified material misstatements in the Report of the Trustees.

We have nothing to report in respect of the following matters where the Companies Act 2006 requires us to report to you if, in our opinion:

Responsibilities of trustees

As explained more fully in the Statement of Trustees' Responsibilities, the trustees (who are also the directors of the charitable company for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charitable company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charitable company or to cease operations, or have no realistic alternative but to do so.

Our responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue a Report of the Independent Auditors that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at www.frc.org.uk/auditorsresponsibilities. This description forms part of our Report of the Independent Auditors.

Use of our report

This report is made solely to the charitable company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charitable company's members those matters we are required to state to them in an auditors' report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charitable company and the charitable company's members as a body, for our audit work, for this report, or for the opinions we have formed.

E Meyer FCA BSc (Senior Statutory Auditor) for and on behalf of Sugarwhite Meyer Accountants Ltd Chartered Accountants & Statutory Auditor First Floor 94 Stamford Hill London N16 6XS

23 December 2021

Page 5

EZER BEKOVOID LIMITED

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING AN INCOME AND EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31 OCTOBER 2020

Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
Investment income
3
Total
EXPENDITURE ON
Raising funds
4
Charitable activities
5
Charitable activities
Other
Total
Net gains on investments
NET INCOME/(EXPENDITURE)
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
2020
Unrestricted
funds
£
1,066,322
44
1,066,366
5,205
1,363,152
18,916
1,387,273
76,451
(244,456)
(26,238)
(270,694)
2019
Total
funds
£
1,387,043
39
1,387,082
5,245
1,529,189
23,558
1,557,992
306,966
136,056
(162,294)
(26,238)

CONTINUING OPERATIONS

The statement of financial activities includes all gains and losses arising in the year.

All income and expenditure has arisen from continuing activities.

The notes form part of these financial statements

Page 6

EZER BEKOVOID LIMITED (REGISTERED NUMBER: 07330341)

BALANCE SHEET 31 OCTOBER 2020

Notes
FIXED ASSETS
Investment property
12
CURRENT ASSETS
Debtors
13
Cash at bank
CREDITORS
Amounts falling due within one year
14
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT
LIABILITIES
CREDITORS
Amounts falling due after more than one year
15
NET ASSETS/(LIABILITIES)
FUNDS
16
Unrestricted funds:
General fund
Fair value reserve
TOTAL FUNDS
2020
Total
funds
£
1,050,000
2,077,684
38,012
2,115,696
(656,438)
1,459,258
2,509,258
(2,779,952)
(270,694)
(654,111)
383,417
(270,694)
(270,694)
2019
Total
funds
£
950,000
1,186,485
165,768
1,352,253
(1,450,461)
(98,208)
851,792
(878,030)
(26,238)
(333,204)
306,966
(26,238)
(26,238)

These financial statements have been prepared in accordance with the provisions applicable to charitable companies subject to the small companies regime.

The financial statements were approved by the Board of Trustees and authorised for issue on 23 December 2021 and were signed on its behalf by:

J Teitelbaum - Trustee

The notes form part of these financial statements

Page 7

EZER BEKOVOID LIMITED

CASH FLOW STATEMENT FOR THE YEAR ENDED 31 OCTOBER 2020

Notes
Cash flows from operating activities
Cash generated from operations
1
Interest paid
Net cash (used in)/provided by operating activities
Cash flows from investing activities
Purchase of investment property
Interest received
Net cash used in investing activities
Change in cash and cash equivalents
in the reporting period
Cash and cash equivalents at the
beginning of the reporting period
Cash and cash equivalents at the end
of the reporting period
2020
£
(85,335)
(18,916)
(104,251)
(23,549)
44
(23,505)
(127,756)
165,768
38,012
2019
£
831,401
(23,558)
807,843
(643,034)
39
(642,995)
164,848
920
165,768

The notes form part of these financial statements

Page 8

EZER BEKOVOID LIMITED

NOTES TO THE CASH FLOW STATEMENT FOR THE YEAR ENDED 31 OCTOBER 2020

1. RECONCILIATION OF NET (EXPENDITURE)/INCOME TO NET CASH FLOW FROM OPERATING ACTIVITIES

Net (expenditure)/income for the reporting period (as per the
Statement of Financial Activities)
Adjustments for:
Gain on investments
Interest received
Interest paid
Increase in debtors
Increase in creditors
Net cash (used in)/provided by operations
2020
£
(244,456)
(76,451)
(44)
18,916
(891,199)
1,107,899
(85,335)
2019
£
136,056
(306,966)
(39)
23,558
(1,010)
979,802
831,401

2. ANALYSIS OF CHANGES IN NET FUNDS

At 1.11.19 Cash flow At 31.10.20
£ £ £
Net cash
Cash at bank 165,768 (127,756) 38,012
165,768 (127,756) 38,012
Total 165,768 (127,756) 38,012

The notes form part of these financial statements

Page 9

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 OCTOBER 2020

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been prepared 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' and the Companies Act 2006. The financial statements have been prepared under the historical cost convention, as modified by the revaluation of certain assets.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Support costs are those incurred to assist the work of the charity but are not direct charitable activities.

Governance costs are those incurred in connection with administration of the charity and compliance with constitutional and statutory requirements.

Investment property

Investment property is shown at most recent valuation. Any aggregate surplus or deficit arising from changes in fair value is recognised in the Statement of Financial Activities.

Taxation

The charity is exempt from corporation tax on its charitable activities.

Foreign currencies

Assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at the balance sheet date. Transactions in foreign currencies are translated into sterling at the rate of exchange ruling at the date of transaction. Exchange differences are taken into account in arriving at the operating result.

Financial instruments

The charity only has financial assets and liabilities of a kind that qualify as basic financial instruments.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the amount expected to be received or paid and not discounted.

Page 10

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2020

2. DONATIONS AND LEGACIES

Donations
3.
INVESTMENT INCOME
Deposit account interest
4.
RAISING FUNDS
Raising donations and legacies
Fundraising costs
Office expenses
Printing, postage and advertising
Investment management costs
Insurance
Aggregate amounts
2020
2019
Unrestricted
Total
funds
funds
£
£
1,066,322
1,387,043
2020
2019
Unrestricted
Total
funds
funds
£
£
44
39
2020
2019
Unrestricted
Total
funds
funds
£
£
54
588
769
2,800
3,262
1,673
4,085
5,061
2020
2019
Unrestricted
Total
funds
funds
£
£
1,120
184
5,205
5,245
2020
2019
Unrestricted
Total
funds
funds
£
£
1,066,322
1,387,043
2020
2019
Unrestricted
Total
funds
funds
£
£
44
39
2020
2019
Unrestricted
Total
funds
funds
£
£
54
588
769
2,800
3,262
1,673
4,085
5,061
2020
2019
Unrestricted
Total
funds
funds
£
£
1,120
184
5,205
5,245
5,245

Page 11

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2020

5. CHARITABLE ACTIVITIES COSTS

5.
CHARITABLE ACTIVITIES COSTS
Grant
funding of
Direct
activities
Costs (see
(see note
note 6)
7)
£
£
Charitable activities
16,880
1,305,633
6.
DIRECT COSTS OF CHARITABLE ACTIVITIES
Visit of the Grand Rabbi
7.
GRANTS PAYABLE
Charitable activities
The total grants paid to institutions during the year was as follows:
Advancement of education
Relief of poverty
Advancement of religion
Keser Malchus
Bechatzros Kodshecho
Others under £3,000
The total grants paid to individuals during the year was as follows:
Relief of poverty
Advancement of religion
Support
costs (see
note 8)
£
40,639
2020
£
16,880
2020
£
1,305,633
2020
£
1,003,040
-
1,225
1,004,265
Totals
£
1,363,152
2019
£
19,997
2019
£
1,487,591
2019
£
19,997
2019
£
1,086,411
54,247
17,839
1,158,497
2019
£
147,968
181,126
533,314
467,402
3,549
1,004,265
2020
£
301,368
-
301,368
329,094

Page 12

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2020

8. SUPPORT COSTS

Management
£
Charitable activities
1,064
Support costs, included in the above, are as follows:
Telephone
Bank charges
Professional fees
Auditors' remuneration
Auditors' remuneration for non audit
work
General expenses
Legal and professional fees
Foreign exchange losses
Governance
Finance
costs
Totals
£
£
£
1,809
37,766
40,639
2020
2019
Charitable
Total
activities
activities
£
£
1,064
1,260
1,809
1,219
-
4,320
3,240
3,000
4,200
3,900
228
173
15,401
-
14,697
7,729
40,639
21,601

9. NET INCOME/(EXPENDITURE)

Net income/(expenditure) is stated after charging/(crediting):
2020 2019
£ £
Auditors' remuneration 3,240 3,000
Auditors' remuneration for non audit work 4,200 3,900

10. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 October 2020 nor for the year ended 31 October 2019.

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 October 2020 nor for the year ended 31 October 2019.

Page 13

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2020

11. STAFF COSTS

There were no staff costs for the year ended 31 October 2020 nor for the year ended 31 October 2019.

The average monthly number of employees during the year was as follows:

No employees received emoluments in excess of £60,000.
12.
INVESTMENT PROPERTY
FAIR VALUE
At 1 November 2019
Additions
Revaluation
At 31 October 2020
NET BOOK VALUE
At 31 October 2020
At 31 October 2019
13.
DEBTORS
Amounts falling due within one year:
Other debtors
Amounts falling due after more than one year:
Other debtors
Aggregate amounts
2020
2020
£
892,209
1,185,475
2,077,684
2019
£
950,000
23,549
76,451
1,050,000
1,050,000
950,000
2019
£
1,010
1,185,475
1,186,485

Other debtors falling due after more than one year comprise secured charitable loans made to Keser Malchus, a girls' school located in Israel.

Page 14

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2020

14. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2020
£
Other creditors
648,997
Accruals and deferred income
7,441
656,438
15.
CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
2020
£
Other creditors
2,779,952
16.
MOVEMENT IN FUNDS
Net
At
movement
1.11.19
in funds
£
£
Unrestricted funds
General fund
(333,204)
(320,907)
Fair value reserve
306,966
76,451
(26,238)
(244,456)
TOTAL FUNDS
(26,238)
(244,456)
Net movement in funds, included in the above are as follows:
Incoming
Resources
Gains and
resources
expended
losses
£
£
£
Unrestricted funds
General fund
1,066,366
(1,387,273)
-
Fair value reserve
-
-
76,451
1,066,366
(1,387,273)
76,451
TOTAL FUNDS
1,066,366
(1,387,273)
76,451
Comparatives for movement in funds
Net
At
movement
1.11.18
in funds
£
£
Unrestricted funds
General fund
(162,294)
(170,910)
Fair value reserve
-
306,966
(162,294)
136,056
TOTAL FUNDS
(162,294)
136,056
2019
£
1,443,561
6,900
1,450,461
2019
£
878,030
At
31.10.20
£
(654,111)
383,417
(270,694)
(270,694)
Movement
in funds
£
(320,907)
76,451
(244,456)
(244,456)
At
31.10.19
£
(333,204)
306,966
(26,238)
(26,238)

Page 15

EZER BEKOVOID LIMITED

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2020

16. MOVEMENT IN FUNDS - continued

Comparative net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
Fair value reserve
TOTAL FUNDS
Incoming
resources
£
1,387,082
-
1,387,082
1,387,082
Resources
expended
£
(1,557,992)
-
(1,557,992)
(1,557,992)
Gains and
losses
£
-
306,966
306,966
306,966
Movement
in funds
£
(170,910)
306,966
136,056
136,056

17. RELATED PARTY DISCLOSURES

Other debtors of £892,209, other payments of £18,196 (2019 - £23,558) and other creditors amounting to £1,263,463 (2019 - £1,147,547) are due to companies of which certain trustees of this charity have significant influence.

The charity received donations of £137,280 from companies in which some trustee have an interest.

18. GOING CONCERN

The financial statements have been prepared in accordance with the accounting principles appropriate to a going concern notwithstanding the deficiency in net assets at the balance sheet date. The trustees consider this to be appropriate in view of the fact that the loan creditors have indicated that they will not demand repayment of the loans in the foreseeable future.

Page 16