Blackbum with Darwen ageuK Annual Review 2020-21 YoHr LOGOL Ghoity frr oLderpeopLe Welcome to our **Annual Review** It is my pleasure to introduce this year’s Annual Review and report that under the most difficult and demanding of years the organisation and it’s staff and volunteers have worked tirelessly to provide charitable services to the older people of Blackburn with Darwen. Despite the organisation having to adapt and comply with changing rules and directives we have been able to continue to provide quality services to support increasing numbers of older people, to maintain and improve their health and wellbeing, including those living with dementia. Our Advice & Information Service, Day Care provision and health and wellbeing offer continue to be highly regarded by older people and local partners. We are extremely grateful for all the financial support from many donors and benefactors as well as Blackburn with Darwen Borough Council with whom we have important contracts providing invaluable levels of financial assistance. Every penny is used locally for the benefit of people in Blackburn with Darwen. Volunteers continue to be a vital asset to the organisation and are very much valued by the Trustees. Their individual and collective contributions are immense and should be widely recognised as key to our continued positive impact on the lives of local older people. The board would also like to congratulate the staff and volunteers for their dedication and desire to continue to support older people in the borough during this pandemic, and their willingness to provide and maintain such high quality services. Best wishes Tony Hedley Chairman 2 Welcome to our Annual Review for 2020/21 which aims to provide a summary of the work the charity has done during the year and the impact that this has on local older people. If you would like to know more about our work or services I would be pleased to talk to you. The past 18 months have been like no other experienced by local older people or by organisation’s such as ours, who have been working with them. The beginning of the Covid-19 pandemic in March 2020 brought with it a need to rapidly change our service delivery models to minimise face-to-face contact whilst continuing to meet existing and new needs. Along with moving much of our provision to telephone or online delivery, we also developed and launched our Covid Wellbeing Service providing practical, emotional and social support to existing service users and more than 800 people newly referred to us. As Blackburn with Darwen has experienced the highest enduring rates of Covid infections, along with almost continual additional local restrictions and lockdowns throughout the year, we have had to be agile and flexible to continue to respond to evolving needs of local older people. Throughout, we have maintained our focus on using strength-based approaches to support people to remain as independent and resilient as possible, despite the circumstances. We have also remained focussed on delivery of our core aims and objectives, albeit through revised models. Despite the significant and ongoing impact on our local population we have been able to maximise some positive opportunities which will benefit the organisation going forward. We have advanced our use of digital technologies and platforms both for service delivery and to improve ‘back house’ functions, far faster than we otherwise would have. We have developed new approaches to volunteering creating new roles and utilising new ‘pools’ of volunteers. We have had the opportunity to increase our engagement with some parts of the older communities to inform our future service development. And we have strengthened existing and developed new partnerships across the borough. We are grateful to our funders, both new and existing, for their support and flexibility in allowing us to do what we needed to, to support older people. We particularly thank Blackburn with Darwen Borough Council and the national Age UK charity for their partnership and support. I must take this opportunity to pay tribute to our team at Age UK Blackburn with Darwen. Throughout some very challenging times they have, without exception, worked tirelessly and flexibly to ensure all older people who needed our support got it, and have developed some really innovative approaches along the way. I thank every one of our staff for their vital and valuable contributions. We are also grateful for the support of our volunteers, those who have changed roles to provide different support and those who have ‘stuck with us’ and been keen to get back to their roles as we have gradually resumed our usual service offers. This year has shown more than ever, that we are nothing without our people and we have done everything we can to support their wellbeing too. As we move into the next phase of the Covid experience, supporting older people to recover from the impact of the pandemic, we will continue to be responsive, innovative and effective, finding resourceful ways of meeting the needs of the growing numbers of older people. Best wishes Vicky Shepherd Chief Executive 3 ## **Our Vision** For all older people in Blackburn with Darwen to have the opportunity to live the life they choose ## **Our Mission** To listen to the diverse voices and views of local older people and use these to influence both our own and others priorities. To deliver quality, person centred services which meet local needs and maximise independence. ## **Introducton** To deliver our vision and mission, and our business plan priorities, the organisation delivers a range of services to improve the health and wellbeing of older people; to support people to remain independent as long as possible; and to be able to continue contributing to their community. We also work to influence the development of services for older people through a variety of mechanisms including delivery of the Age Well Partnership and sitting on a number of key strategic boards and groups, and through supporting national campaigns. As a local, independent charity we have an increasing need to raise funds from a diverse range of sources to support our work that is not funded through grants and contracts, including engagement and marketing and our campaigning and influencing work, along with core functions that ensure the quality of our provision. We are pleased to be a Brand Partner of Age UK, and we play an active role in the Age UK network, sub-regionally, regionally and nationally – this has been particularly important in supporting our response to the pandemic. This review provides an overview of our activity during 2020/21, including our response to the Covid-19 pandemic, and seeks to illustrate the impact of our services on the lives of older people and the benefit to the community that we provide. ## **Facts & Figures** **----- Start of picture text -----**
3433 hours
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97
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people supported through our range of Health and Wellbeing services contacts for Advice and Information people supported through our Covid Wellbeing Service volunteers were giving us their time at 31st March recorded compliments from our service users and supporters complaints 4 ## Volunteers During the year volunteers have continued to be a vital resource to the organisation enabling us to extend the support we have been able to provide, with many changing their role to support our Covid response. Over 40 of our volunteers have provided regular wellbeing calls throughout the year and more have provided digital skills support. As we have gradually resumed face-to-face activities our volunteer teams have been keen to resume their usual roles, providing vital capacity for us to reopen the shop in Darwen, resume the Nail Care service on additional days and increase our telephone advice and information provision. All returning volunteers have been provided with a Welcome Back pack and have undertaken mandatory infection control training. At the end of March 2021 we had 97 volunteers, a reduction on the previous year. We lost some volunteers due to personal circumstances and also took the decision to not actively recruit new long term volunteers due to the uncertainty created by Covid. We did however successfully recruit a number of short term volunteers to support our Covid Wellbeing Service during in 2020. Across the year volunteers contributed 3433 hours of time which equates to £38,861 (based on average North West earning rates). During the year we have also been able to provide placements to two post graduate students, one to support our marketing and promotion and the other to undertake a specific dementia research project. In addition, we were able to accommodate a work experience student in the shop. As part of our digital development plans during the year the volunteer recruitment processes have been moved fully online and we also have plans to implement an online communication platform during 2021. Other plans for 2021/22 include developing new volunteering roles to offer more opportunities and to meet new delivery needs and to expand the range of services utilising student placements to increase capacity along with continuing to look for apprenticeship opportunities. ## **- Impact Story 01** Ms M suffers from severe depression and anxiety, often experiencing suicidal thoughts. She has a network of friends who support her and also attends counselling. She has recently reached state pension age, which was a big worry for her in respect of her benefit entitlements. Ms M was in receipt of working age benefits and was very anxious about the transition and how to go about it. An adviser supported her by carrying out a benefit check to establish her new entitlements and assisted her with applications for both Housing Benefit and Council Tax Support. She found the situation very stressful but the adviser was able to reassure her and take everything at her pace, with as many sessions as needed. We contacted her throughout the process to make sure everything was going okay and to allay any fears she had. Ms M is now in receipt of the correct benefits and is financially better off. This has helped her greatly as it is one less thing for her to worry about and she reports an improvement in her mental health and general wellbeing. She is taking more control of her situation and dealing with things better. Ms M was extremely grateful for our help, saying _“I didn't know who to turn to, you have been fantastic in everything you have done for me.”_ 5 ## **Our Services** All our services are based on the principles of working with individuals to provide personcentred, tailored support which builds on their own strengths and networks and enabling them to do as much as they are able. Our aim is to improve and maintain health and wellbeing and to enable people to remain independent for as long as possible. Despite the pandemic this approach has continued to be central to the services and support we have provided. ## Advice and Informaton Services The provision of free, independent advice and information is one of our core functions and through this activity we offer older people and their carers holistic advice to enable them to make their own decisions based on timely and accurate information, and ultimately to improve their quality of life and wellbeing. The service is usually provided at offices in Blackburn and Darwen and home visits, however due to the pandemic throughout the year it was provided via telephone and digital platforms with face-toface provision resuming on a phased basis from April 2021. The service has adapted to providing the full range of advice and assistance remotely, developing new approaches and assurance processes to ensure continued quality of service. In addition to the core service, providing advice on welfare benefits, financial matters, housing and care issues the team have ensured that they had access to relevant resources to be able to respond to a wide range of Covid related enquiries. The service has supported people with multiple and increasingly complex issues, with a 10% increase in demand for casework. In 2020/21 the Advice and Information service was funded from a range of sources including The Henry Smith Charity, Age UK for specific delivery programmes, the Brian Mercer Trust, a number of other charitable trusts, and from reserves, and we continue to seek sustainable and diverse sources of funding. ## Achievements - 4411 enquiries responded to - Local older people assisted to claim £787,678 in additional entitlements and income, bringing extra resource into the borough and supporting people to be able to buy the goods and services they need - Successful delivery of all targets for funded programmes including the Eon Benefit Take Up programme and the Masonic Charitable Foundation funded Later Life Goals programme - £22,926 secured from Covid specific grant schemes to support continuation of the service Key Plans for 2021/22 - Secure funding from a variety of sources to sustain and develop the service to meet future demand - Successful completion of reaccreditation for the Age UK Information & Advice Quality Programme - Review and continue to develop service models including utilising digital platforms - Deliver a programme of neighbourhood based promotion to increase our reach to those older people who could benefit from the service - Ensure all targets for funded programmes are met 6 ## - Impact Story 02 J and C are aged 73 and 69 and live together in their own house. They have good support from their family including a nephew. They are both retired but C lives with ill-health. Their nephew contacted us by email as he could see they were struggling with various things including C's declining health and her mobility when moving around. She had several appointments and was struggling walking from the car park to the appointment which was causing frustration. An advisor carried out a benefit check and identified Council tax Support, probable eligibility for Attendance Allowance and a Blue badge. The Blue badge was approved enabling them to park nearer the door of the many appointments, Attendance Allowance was awarded at high rate and as J was a carer for C the additional underlying entitlement to Carers Allowance gained them some help with their council tax as well. In total they were better off to the tune of around £100 per week easing the burden of their increasing costs and now able to afford a home help to help around the house/garden where needed. J told us _“I didn't even know Age UK helped with this, we are so very grateful as the additional help we can afford has been invaluable to help us retain some independence.”_ ## Community Day Care Service This year has seen further development of the community day care service we have been developing since February 2020, which involves developing and delivering a service model from three community centres across Blackburn with Darwen. Following Local Authority guidance the service was temporarily closed from March to July 2020, which has impacted on progress with developing the new model. On re-opening the service we operated from only one of the community centres, Accrington Road, with reduced numbers in order to offer a Covid safe service for the most vulnerable and frail older people; and have phased resumption at the other venues. Despite the delay, the community model has been developed to include provision for adults with a learning disability or difficulty who have care and support needs that can be met in an appropriate setting within local communities. The service offers a range of support including personal care, transport and support with nutrition and is available for those who meet the Adult Services eligibility criteria. We work with individuals and their carers to develop tailored support and care plans that aim to prevent a further deterioration in health, along with a range of person centred activities. We also provide support and respite for the carers of day care users and offer regular calls to ensure they have the right support in order to maintain good health and wellbeing and to prevent carer breakdown. The community model aims to extend our range of activities to reach isolated older people within the community as well as support our service users to access additional activities within their local area, in order for them to build up more social connections to further reduce the risk of isolation. We work alongside the community centre volunteers to integrate into the wider programme of activities on offer locally to prevent duplication of services. Our dedicated team of volunteers also enable us to provide individual support for a range of different activities to enhance the offer available. For 2020/21 the day care service was funded through a contract with Blackburn with Darwen Borough Council. ## Achievements - Supported and cared for 34 of the frailest older people and adults with a learning disability or difficulty - Supported the organisation’s Covid response including delivering an emergency shopping service, weekly wellbeing calls, meal deliveries for the most frail people and supporting people to access Covid vaccinations 7 - Successful integration of service users with learning disabilities/ difficulties - Resumption of a Covid safe service across community venues Key Plans for 2020/21 - Embed the community model of support - Extend our offer to provide more flexible packages of support - Develop our volunteer roles and opportunities to offer a wider choice of activities - Increase our offer of activities to reach more people who are or at risk of social isolation to prevent a decline to prevent a decline in health - Continue to work within local areas to build community cohesion by bringing more people together from the neighbourhood, including through delivery of a ‘Better Together’ social and learning programme ## - Impact Story 03 S is a man that lives on his own in supported living with help provided by carers and a personal assistant. He is wheelchair bound and has cerebral palsy along with a learning disability. His vocabulary is limited but can point and say “yes” or “no”. S attends day care three times a week and at first he was very quiet and reserved, however over the period of six months he has been encouraged and supported to take part in a range of activities including building models, baking, cake decorating, painting and music. As he has attended regularly we have seen his personality shine through and he mixes extremely well with other service users irrespective of age or disability. The carers where S lives have expressed how much he delights coming to day care. He arrives with a smile on his face and leaves with a “ _beaming smile”_ to show he has enjoyed his day. He especially enjoys making a lot of noise whether this is by musical instruments or joining in singing. After lunch S likes to help with drying the dishes and thoroughly enjoys mixing cake mixture and getting messy. He communicates well with staff and loves to tease them by hiding objects and turning chairs around - this is a tremendous change from needing one to one support with everything when he first arrived. Mixing with different groups has also built S’s confidence and this is evident to see with his strength-based approach to activities. The improvement to his health and wellbeing has been quite dramatic. It’s a pleasure to see S blossom and is a testament to show that no matter the need we are able to help improve independence and wellbeing. S’s father has expressed what a notable change there has been, which has also been observed at the supported accommodation where he lives. Credit for image to the Centre for Ageing Better 8 ## - Impact Story 04 J is an older gentleman who initially attended the day care service one day per week, however due to a change in his circumstances this was increased to two days per week. J, who has dementia and other health issues lives alone in sheltered accommodation and has help from his daughter. On J’s first days attending day care he appeared quiet, however we soon found this to be a façade as he has a cheeky persona, loves to have a laugh and is incredibly funny. He likes to reminisce about his time in the Parachute Regiment and his time spent in Singapore and Asia. Although when asked, J says he doesn’t want to take part in activities he has baked, joined in quizzes, plays board games, and socialises with other service users and he is actually always willing to give any activity a go. His smile is clearly infectious and staff and service users have come to appreciate his comedic personality. His daughter has also recognised that when he arrives at the centre he may show that he’s in pain and a little down, but it’s a complete opposite when he’s leaving at the end of the day as he has a big smile on his face due to his enjoyment of being in day care. J’s daughter has fed back the impact on her and her dad telling us that “ _the pressure on my wellbeing has been released due to the fact Dad is able to attend day care and I’m not getting constant phone calls. I’ve also noticed how much happier he is in his own health and wellbeing.”_ She also reported that on a recent occasion when he was feeling unwell and had to be taken for a check-up at the hospital he asked if she was taking him back to day care as that is where he wanted to go. ## Health & Wellbeing Service The Health & Wellbeing service brings together our Active Ageing, Befriending, Digital Inclusion, Integrated Care, Nail Care and Social Inclusion provision under one umbrella. Throughout the year 1387 older people accessed services, received support or attended activities. Through our programmes we provide a range of support, friendship, activities and services to improve wellbeing, prevent a decline in health, promote independent living and reduce social isolation and these priorities have continued during the Covid-19 pandemic. In addition, during 2020/21 we have offered a Covid Wellbeing Service, established in response to the pandemic, delivered by staff from across our services. This offer supported 1382 people and included emergency shopping, meal deliveries for the most frail, regular wellbeing calls and latterly support to attend Covid vaccination appointments; and we developed referral pathways with the Local Authority’s Help Hub as well as from other partners, families and individuals themselves. The Active Ageing and Social Inclusion services provided some of their activities online to ensure people could continue to stay connected and keep active. We also implemented a digital diagnostic tool which was completed with all existing and new people to ensure they had the equipment, connectivity and skills to access activities and stay in touch digitally. Throughout our services we use a strengthbased approach to prevent dependency on support services and increase resilience. The Active Ageing Service offers a range of activities from walking groups to ballroom dancing at a range of venues across Blackburn with Darwen. In total 388 people accessed activities during the year, which included both online sessions and face-toface delivery when permitted by the regulations. Our usual Befriending Service offer provides home visiting and a Phonelink for housebound and isolated people, as well as supporting people with early stage dementia to attend community activities through our Dementia Buddies scheme. In addition, the Stepping Stones befriending offer provides short-term support at a time of transition such as bereavement or relocation, to enable people to re-engage in community life. During the year we supported 216 of the most isolated and vulnerable people through telephone and digital support and are now resuming face-toface contacts. 9 Digital Inclusion has once again been a key priority for the charity and we have been providing support and tuition throughout the pandemic both remotely and when possible through face-to-face sessions. We also developed an equipment loan scheme providing tablets for people to ‘Try Before You Buy’ and facilitated access to free internet connection through an arrangement with 6G. In total 252 were supported to increase digital skills. All new people coming into the organisation are also offered the digital diagnostic to identify level of digital skills and any support that may be required. The dedicated funding for this programme ceased in April 2021 and securing additional funds is a key priority. Here to Help is part of the Integrated Neighbourhood Team provision, working closely with GP surgeries across the borough and alongside health, social and voluntary sector colleagues to provide support for older people who have long term conditions. Our key role is to provide holistic assessments and coordinate packages of environmental and social support for people most at risk of hospital admission. This year we have provided support and made onward referrals for 364 older people. In November 2020 we were successful in accessing NHS England funding, via Age UK national to provide winter pressures support targeted at those recently discharged from hospital or at risk of admission. This enabled us to develop the Winter Support Programme as a bolt on to the Here to Help offer, providing additional practical, social and emotional support and advice, during Winter 2020. Working in partnership with Lancashire and South Cumbria NHS Foundation Trust, through our Nail Care Service we offer a toe nail cutting service for people no longer able to care for their feet and who are not eligible for NHS Podiatry. Although this service was paused in the first quarter of the year it resumed, at our King Street base, in July 2020 as an essential health service. 146 people are registered on the service, with 74 people actually accessing the service during the year. The Social Inclusion Programme provides a varied programme of activities, events and workshops to reduce social isolation and help to maintain and improve people’s physical and mental wellbeing. This year the majority of activities have been delivered online including the Men's Groups, Joyful Noise music sessions, Art & Craft activities and the “Remember the Rovers” group in partnership with Blackburn Rovers Community Trust. The programme also includes linking in with other services and referring and supporting clients to attend non Age UK social inclusion activities. During the year 93 people were supported through the programme. Through this programme we also work in close partnership with Lancashire Mind to deliver the Flourishing Minds project, which provides access to more specialist one to one or group mental health support. The Nail Care Service is paid for through customer fees. The Digital Inclusion programme was funded by Age UK and Santander until April 2021. The ‘Keeping People Happy, Healthy and Well’ contract with the Blackburn with Darwen Borough Council and a subcontract with Lancashire Mind fund the core health and wellbeing offer, with additional activity and development funded by a range of grants. ## Actve Ageing Achievements - Adapted the service to deliver activities online and resumed face-to-face delivery when permitted - Provided 139 classes in total - Produced a range of physical activity videos for people to do at home - Carried out a consultation with people aged over 70 to inform our support for people to become more active post Covid - Worked in partnership with Blackburn College to deliver online classes ## Key Plans for 2021/22 - Resume our full programme of face-to-face activities, whilst still offering some online provision - Increase the number of people attending the activities and continue to work harder to engage with older men and older people from local BAME communities - Develop and deliver programmes specifically for menopausal women 10 ## Impact Story 05 Tom is 70 years old and served in the army for many years. He lives alone in a flat in Darwen since losing his wife in 2011 and has little family support. Tom has COPD and was advised to shield during the pandemic. He was out having a short walk in April 2020 when he saw a member of Age UK staff delivering some shopping to a neighbour and asked if he could get his shopping done as he was shielding. Tom was referred into the emergency shopping service and was registered for a weekly shop to be delivered. Through the contact we established with Tom it became obvious that he was very lonely and the member of staff began to stay and chat to him on the door step when they delivered his shopping. We also arranged a weekly wellbeing call from one of our volunteers to provide extra support for him. Tom told us that the member of staff who delivered his shopping was the only person he saw that week. Tom was very grateful for all we had done for him and requested a collection box from us so he could start to put loose change in to donate to us. Tom loves to chat and talks about everything - Develop programmes to support people’s Covid recovery - Further develop a range of self-led groups with volunteers ## Befriending Achievements - Stayed in regular telephone contact with all service users throughout the pandemic from his late wife to his time in the army. Over time with regular contact and support Tom was able to talk through things that bothered him which helped him feel better and gave him a big boost. He also started to fill his time by working on his gardens, which also helped his mood. Once the first lockdown ended we encouraged Tom to start to do his own shopping again to get him out of the house and meet and chat to other people, however we continued to do a weekly wellbeing visit to keep in touch and continue to keep a look out for him. Tom’s mood improved and he began telling jokes again. However, in December 2020 we noticed a significant decline in Tom’s mood, which although this had fluctuated a little since the start of the pandemic he was usually quite resilient so this appeared to be a drastic change. He became withdrawn and nervous about going out and told us he didn’t even feel like going for a walk and asked if we would do his shopping for him again. We supported him with - Recruited additional short term volunteers to provide wellbeing calls - Secured additional funding to continue the Stepping Stones programme - Successful in recruiting a new Befriending Services Manager - Key Plans for 2021/22 - Review and develop the his shopping again but encouraged him to start to do it himself, which is now happening. We continued with our weekly visits and talked to him about things that would make him feel better. We also arranged for one of our Digital Champions to fix his computer so he can now play games online again, which he enjoys doing. Tom then contacted us to say he had got an appointment for his Covid vaccine but was very apprehensive about going as he didn’t feel safe and was initially insistent that he would not go for the appointment. We were able to offer to accompany Tom for the appointment and persuaded him to attend. Tom’s mood has since improved and we continue to be in regular contact with him to provide ongoing support and encouragement. Tom told us _“I cannot thank Age UK enough for everything you have done for me. I am going to fundraise for you properly when all this is over”._ - befriending model to best meet demand and the needs of older people including digital options - Support people’s Covid recovery through the Stepping Stones service - Resume face-to-face delivery including home visits 11 - Recruit additional volunteers to support delivery of the service and streamline service processes - Broaden contact within local communities to reach more diverse groups ## Digital Inclusion Achievements - Supported 242 people to learn new digital skills - Developed and implemented a digital diagnostic to better understand skills and needs - Established a ‘Try Before You Buy’ scheme and loaned out 38 devices since November 2020 - Facilitated access to free internet in partnership with 6G - Produced and distributed a range of ‘How to’ guides to use at home - Recruited 23 Digital Champions ## Key Plans for 2021/22 - Secure funding to continue our digital inclusion work - Continue to develop and deliver the digital programme to reduce digital exclusion - Participate and support the digital health developments with partners - Further develop online activities and support for people to stay connected ## Here to Help ## Achievements - Continued to be a key partner within the local health and social care structures - 364 people supported through holistic assessments and the coordination of services - Acted as first point of contact and triaged people referred through the Covid Wellbeing Service - Retained an excellent reputation in delivering a fast, effective and efficient service - Secured funding and successfully delivered the Winter Support Programme, providing practical support for 74 people ## Key Plans for 2021/22 - Review and redesign the service model to support developing local structures including the Neighbourhood Accelerator programmes - Continue to play a key role and strengthen relationships within the Integrated Neighbourhood Teams - Strengthen partnerships between hospital discharge and intermediate care services - Secure funding to further develop and enhance the service offer - Develop a volunteer model to support delivery ## Impact Story 06 Joyce is 63, lives alone and has no family and few friends. She suffers from severe depression, which has been exacerbated by the Covid pandemic. Joyce sometimes finds the world just too difficult to cope with and shuts down completely and won’t engage with anyone during these periods. Joyce’s mental health support worker encouraged her to contact the Befriending Service for Phonelink contact to try to help alleviate the depression a little. Initially Joyce would only agree to a call every two weeks but as the weeks went on Joyce asked for a weekly call. She also said she would like to try some of the Zoom chats and activities we had set up but only had a phone and the screen was too small for her to do this. Joyce’s befriender liaised with our Digital Inclusion programme and it was organised for her to borrow one of the tablets we were loaning out to people. Joyce has told us that she can’t quite believe how much has changed for her since being in contact with us. She feels as though people really care about her and loves her weekly phone call and the chats she has online. Joyce is very proud of herself for learning how to use Zoom and is now joining in more Zoom activities. Joyce mentioned in one of the calls that she doesn’t do any cooking as a result of her illness and lives mainly on soup, sandwiches and snacks. As it was near to Christmas we talked to Joyce about other things that were happening in the borough for people in similar situations, and the help they were receiving and she agreed we could put her name forward for some treats. Joyce was overwhelmed by everyone’s kindness and loved the hamper from Blackburn Road Runners group and a hot Christmas meal on Christmas Eve from Ivy Street Community Centre. Joyce has said _“I feel like my luck has changed since finding Age UK and that people care about me and not just my medical situation”._ 12 ## Impact Story 07 Blodwen is 84 years old, she is an active and creative person who lives alone. She has a good friendship circle, although contact with them has been limited recently due to the pandemic restrictions. She first became aware of the Digital Inclusion project when she responded to a digital survey during a regular lockdown wellbeing call. In her response to the questionnaire Blodwen indicated that she would like to learn more about using technology. When the Digital Champion initially contacted Blodwen she was reluctant to take part in lessons over the telephone, however following some reflection and discussion with her family she decided to give it a go. Blodwen did have access to a computer but had not used it very much, she also had been on websites such as Pinterest but didn’t know what to do other than look at images and was a little nervous about making mistakes. Following the sessions Blodwen can now view, download, save and find pictures and images again and she has learnt how to confidently delete items no longer wanted on her computer. She has also learnt how to create and rename folders and move files around in other folders. Blodwen is now less nervous about using technology and is able to arrange her files and folders following the sessions. This enables her to use technology to create craft materials. Blodwen said _“Usman, my Digital Champion is very polite, very helpful and very patient, he is a good teacher. The print outs that he has sent to me after the lessons have been very good. Overall very good”._ ## Impact Story 08 M’s son made contact with Age UK as he was struggling with his mum following hospital discharge. M is 90 years old and lives with her son who is her main carer. She has multiple health issues including kidney disease, arthritis, glaucoma and asthma. She also has mobility issues and was struggling with daily living tasks without equipment and required increased support from her son. She had no walking aids and she was finding it very difficult to mobilize as she is also quite frail. M was also struggling with her hearing, she had hearing aids but felt they were not working and also had issues with her dentures because she had lost a lot of weight and they were troubling her, affecting her eating. It was agreed with M and her son that a referral would be made to Rapid Assessment Team to visit the property to assess what equipment could be provided to support in the home. We also liaised with the GP surgery for a referral to the Wheelchair Service. A referral to Audiology was completed along with a dental referral. The Rapid Assessment Team completed an assessment within a few days and provided equipment including a high back chair and footstool and a toilet frame to increase her independence. A voucher was received within two weeks for a wheelchair and this supported her to attend appointments with ease, enabling her to access the Audiology appointment for her hearing aids. The dentist visited and provided a set of new dentures which really helped with managing food and improved her nutrition. M told us _“I appreciate it so much. I did not realise how much there was available. I feel more independent and less reliant on my family”._ M’s son said _“Thank you so much. You really eased a lot of the pressure I had on my head and everything has been a god send”._ 13 ## Nail Care ## Achievements - Successfully resumed clinics during the pandemic - Recruited a Nail Cutter volunteer to increase capacity within the service - Implemented a new card payment system ## Key Plans for 2021/22 - Further increase the number of older people accessing the service through targeted marketing campaign and pathways from the Podiatry Service - Recruit additional volunteer nail cutters to support the delivery of the service - Increase the number of clinics available in venues across the borough - Establish the use of placements to deliver clinics. - Introduce a paperless system to increase efficiency ## Social Inclusion ## Achievements - Responded to the pandemic by moving sessions online - Worked in partnership with Blackburn Rovers Community Trust to deliver Remember the Rovers weekly online session attracting high profile past and present players - Continued to strengthen existing and develop new partnerships and relationships - Supported people to access other organisations online activities ## Key Plans for 2021/22 - Continue to increase the number and range of activities available across the borough - Resume face-to-face activities, whilst continuing to offer some online provision - Recruit additional volunteers to support the delivery of the programme - Develop a range of self-led groups within neighbourhoods - Strengthen existing and develop new partnerships to promote the service and support referral pathways - Work with partners to increase access to the Flourishing Minds mental wellbeing programme ## Impact Story 09 Sandra is 78 years old, lives with her grandson and enjoys gardening. She has been a Nail Care service customer since 2017 and really enjoyed the service at her local clinic. When she arrived at one of her regular appointments Sandra said that she had a problem with her right foot and in particular her big toe nail, which was irritating the toe next to it when she was walking. She had to use cotton wool to protect the skin due to it hurting, but she also said that her feet felt numb. The Nail Care Manager felt a referral to NHS Podiatry was required, which Sandra agreed to. She received an appointment with the NHS and a toe mould was made to protect her skin. At the NHS assessment they picked up from a test that she could be borderline diabetic and may have to be put on tablets. Due to this increased risk NHS Podiatry decided to put Sandra on their appointment list and so she unfortunately had to leave our Nailcare service. Sandra said _“I honestly can't thank you enough for what you have done for my problem toe. You kindly made the referral for me and I have now been sorted and I am pain free due to NHS making me a toe mould! I'm sad that I have to leave Nail Care as NHS are now taking me on due to medical issues. I have zero pain since you referred me! You have done so much for me Emma, you have been fantastic”._ 14 ## Covid Wellbeing Service Achievements - Rapid response to establishing a new service in March 2020 supported by all personnel within the organisation - Distributed 1260 wellbeing and winter packs and 661 newsletters with a range of hints, tips, information and advice, promoting self care - Received referrals for an additional 826 people into the service - 20,978 wellbeing calls made by staff and volunteers - Completed an evaluation on the organisation’s response to the pandemic with people who has accessed support with 97% reporting that they were satisfied or very satisfied with the support received - Secured additional funds to support our Covid response and recovery - Used a strength based approach to promote independence - All staff recruited as Covid Community Champions Key Plans for 2021/22 - Deliver new social and physical activity programmes that support people’s recovery from the impact of the pandemic - Support local and national response programmes ## Impact Story 10 SK lives alone with her two teenage children. She has had progressive MS since the age of 24 which also causes seizures and has limited what she is able to do. She has a history of falls, including when transferring to the wheelchair she uses to get around. She also has depression. SK was regularly attending Age UK’s Artful Minds group up until Covid-19 lockdown restrictions. At this time, she found herself cut off from her social circle as she was on the shielding list, which left her feeling isolated, depressed, with no purpose and no hope. She found she was sleeping for long periods of time and had little contact with other people. We began providing regular wellbeing calls and encouraged SK to engage in the Artful Minds online sessions where she could renew contacts with her friends in the group. This gave her something to “ _get up for_ ” and helped her reconnect socially. SK particularly enjoys the quizzes which she feels challenges her and _“gets the grey matter working.”_ She has since joined in the online Connect over Coffee group, which has given her another activity to engage in and broadened her social circle making new friends within the group. We were also able to introduce SK to Mind2Muscle a local charity that specializes in using boxing and exercise to increase mobility and improve quality of life in people with neurological conditions. SK is now attending two sessions per week and also goes for a coffee or lunch with others after the session providing much needed social interaction. The sessions have improved SK’s mobility now so much that she is rarely using her wheelchair, instead using her walking sticks and rollator. Her mood has also greatly improved and she says she now has hope and a much more positive outlook towards the future. She has now gained the confidence to join Mind2Muscle as a volunteer for her MS Group Sessions. _“The Zoom meetings are a reason to get up and get dressed and work my brain as there is always a quiz. The interaction between us as a group is the most enjoyable time I have. Thanks to Mark (Age UK) I have got through all the lock downs that I have had to deal with mentally. I would have gone insane without them. Thank you so much!”_ _“For the first time in years I feel there is light at the end of the tunnel. I have hope; something I had completely given up on. I have been given any and every kind of medication but after just 4 weeks at the gym sessions I am walking with my 2 sticks. I am now determined to climb stairs so I can visit my mother at home who lives a matter of minutes away, but I have not been able to see. My family have commented on how they no longer see me using my wheelchair which I have now parked as I now use my sticks or my rollator to get about.”_ 15 ## Impact Story 11 L is a 71 year old lady who lives alone in a flat. She was referred initially through one of the Local Authority Community Connectors after she had contacted the Help Hub to say she hadn’t eaten for 3 days. They had arranged for an emergency food parcel to be sent out to her but were concerned that she had no ongoing support. We called L and spoke at length with her. It was identified that she had a number of health conditions including depression and was very low in mood, reporting that she was in a great deal of pain and discomfort. She was in contact with her GP and awaiting a visit. It was discussed whether she needed any support from Adult Social Services but declined any input from them. She said she kept in contact with her sister by phone and she does have a son but couldn’t see him at the time due to shielding. L agreed to have weekly calls from us to check on her health and general wellbeing. She also agreed to delivery of a weekly food parcel. Over the coming months L opened up greatly to the member of staff calling her. Her general health has improved although she does have some long term conditions that won’t change but she is now able to identify when she needs extra medical support. Since the food parcels stopped and the lockdown has been lifted, she gets support from a neighbour with shopping or from Age UK if he is unable to help. Her diet has improved and she has reduced her alcohol intake, which has reduced the number of calls to the ambulance service to help her get up or take her to hospital. L is very grateful for everything the organisation has done for her in general – especially the shopping when she has no-one else, and the calls. _“Being able to talk to you has pulled me from a very dark place! When this is all over, I’m really going to miss talking to you!”_ 16 ## **Inf ce uencing Policy and Pract** Our range of campaigning, influencing and partnership activities play a key role in contributing towards us accomplishing our mission to enable the voices and views of older people to be heard. In light of the significant impact of the Covid pandemic on older people and the focus needed on supporting recovery from this; along with system changes with health and care and continued pressures on public sector services we continue to spend a significant amount of time influencing policy and service planning, commissioning and delivery. We aim to ensure the needs of older people are taken into account, and support good practice development. We participate in a range of Boards, networks and groups on a wide range of issues both within Blackburn with Darwen and across Pennine Lancashire and the wider Lancashire and South Cumbria Integrated Care System (ICS). We also play an active role within the local voluntary sector providing representation on the Health and Wellbeing and Local Adult Safeguarding Boards. Particularly, this year we have been instrumental in developing a new Digital Inclusion Network for the Borough and have also participated in a number of pandemic specific groups. Age Well Partnership Borough; and it’s sub group the Dementia Action Alliance. The partnership is the lead body for the development and implementation of ‘Age Well’ priorities within the Blackburn with Darwen Health and Wellbeing Strategy. The partnership retained a focus on its key priorities of dementia, digital inclusion and reducing social isolation as part of its Covid response work. The work of the partnership has never been more important to support older people to age well as we move forward and our plans include ensuring that older people are included in any long Covid support, respond to the impact of the pandemic on those living with dementia, build on work in the community to reduce social isolation, utilise the digital learning from the pandemic to increase digital inclusion, maintain a focus on the effects of poverty and poor housing amongst older people and ensure that health inequalities are mitigated through active ageing and other health initiatives. The Partnership has also recently agreed to sponsor and oversee the development of an ICS supported Living Longer, Better Ageing Well Programme which aims to spread and embed positive at udes to ageing and improve recognition that physical and cognitive activity adds healthier years to life. ## Campaigning During the year we worked with our national Age UK partners to raise awareness of the impact of Covid on older people and the need to support recovery from that. We also support the campaign to ask the Government to develop a solution to the challenges with the social care. ## Age UK Structures During the year we have been active members of the Age England Association (AEA), the membership organisation for local Age UK Brand Partners, and have continued to participate in the Network Development Programme and development of a new shared strategy for the Age UK network in advance of the new brand partner agreement which will be agreed in 2022. The Chief Executive is also Chair of the national Services for Older People Committee working with Age UK on services development. We work closely with our colleagues at Age UK Lancashire, including through our jointly owned community interest company, Age UK Greater Lancashire, which has until September 2021 been a delivery partner in a pan-Lancashire programme to support people aged over 50 to get back into employment. During 2020/21 we continued to co-ordinate the Blackburn with Darwen Age Well Partnership which is a strategic body with membership from all the main local service commissioning and provider organisations in the 17 ## **Quality, Management and Generatng Funds** In order to achieve our priorities, we need to ensure the organisation is organisationally and financially sound and that it meets the requirements of Brand Partnership with Age UK and other relevant quality standards. ## Quality We recognise the importance of supporting and developing our workforce, both paid and unpaid, through training, coaching and skill sharing, and we have continued to prioritise this during the year. Along with the mandatory training programme of e-learning, all service staff have undertaken training in supporting people with learning disabilities and autism, Making Every Contact Count training and gambling awareness. We have also continued our workforce wellbeing plan with a particular focus this year on mental health and wellbeing and access to support to deal with the impact of the pandemic. In the period March to June 2021 we have successfully been through the three yearly re-accreditation process for both the ISO9001:15 standard and the Investor in People award, along with the Information & Advice Quality Programme. In early 2021 we developed a refreshed Equality, Diversity and Inclusion Action plan which will be delivered during 2021/22 with a key focus on engaging with and developing appropriate support offers for the diverse older communities in the Borough. ## Generatng Funds As an independent charity Age UK Blackburn with Darwen must raise funds from a variety of sources in order to sustain our services and core functions and meet increasing demand. This year has been a particularly challenging and uncertain period. We have been fortunate to receive support from our main commissioner, Blackburn with Darwen Borough Council to be able to flex our delivery to meet need in the pandemic. We have also been successful in securing increased grant income from both general and Covid specific funding programmes which have supported service continuity and enabled us to meet the increased demand. However, there are ongoing and increased challenges with public sector funding; along with increased competition for grant funding resulting in the need to continue to increase the amount of unrestricted funds we can raise to support our unfunded work, including campaigning and influencing activities; volunteering support; and our core business support functions. ## Charity Shop 2020/21 has been a challenging year for our retail operation. In March 2020 our shop experienced significant damage to both its structure and stock from a leak through the roof. The regulation that nonessential retail should close, along with delays to getting repairs done caused by the first lockdown meant that the shop was closed until July 2020. This along with the two further lockdowns enforced closure periods has hugely affected both stock quantities and income over the year. In order to maximise income the shop has increased its online presence, through both social media and online selling platforms. The shop is proud to be part of the #shopDarwen initiative which is helping to increase trade for independent retailers within the town. Plans for 2021/22 include maximising income from gift aid, increasing the online selling capacity, relaunching our Kids Korner, increased marketing and recruiting more volunteers. We also continue to look for suitable premises to expand our retail operation. 18 Fundraising Our face-to-face community fundraising has also been significantly impacted by the pandemic restrictions, as our biggest fundraising activities such as the Great North Run, Jail and Bail event and store collections were unable to take place. We have, however, been fortunate to receive an increased number of donations from service users, customers and members of the public to support our Covid response which, along with two legacies have helped to mitigate the position. We have increased the number of regular donors by 80%. We were also grateful to receive support from local businesses along with the Olive School who held fundraising events for us in the run up to Christmas. A number of businesses also supported us with goods such as paper and envelopes to provide the wellbeing packs. Our key plans for 2021/22 are to continue to maximise donations from individuals, businesses and supporters and to resume our community fundraising activities in Autumn/Winter 2021. ## Financial Review In the year to 31 March 2021 the charity reported a surplus of £34,809 from an income of £1,077,281. This was made up of a deficit of £3,018 on restricted funds (funds which are to be used for specified purposes as laid down by the donor/funder) due to the agreed spending of funds received in prior years, and a surplus of £37,827 on unrestricted funds (income received or generated and available for general use). 91% of the organisation’s annual income came from grants and service contracts from a variety of sources. This is an increase of 15% from the previous year due to the impact of the Covid-19 pandemic which also saw income from fundraising, shop and services decrease to 9% of the total. The organisation continues to operate in challenging times and started the 2021/22 financial year with a deficit budget due to anticipated ongoing reduced levels of income from fundraising, shop and services as a result of the ongoing pandemic restrictions and impact. In response increased focus is on generating income from a range of grant sources, and donations from individuals and businesses and a reduction in expenditure where it is possible to do so without compromising the quality of our services. Total reserves at 31st March 2021 amounted to £711,127 including restricted and designated funds. The level of unrestricted, undesignated reserves held at 31st March 2021 is in line with the organisation’s reserves policy that the greater of either six months unrestricted running costs or three months running costs plus the cost of all liabilities will be maintained as reserves. **----- Start of picture text -----**
Where our income came from How we spent our income
Total income £1,077,281 £1,042,472
 Supporting Independent Living
 Charitable Activities 87.9% 71.5%
 Donations & Legacies 3.5%  Advice, Information & Advocacy
 Trading Activities 5% 14.8%
 Investments 0.1%  Influencing Policy & Practice
 Other 3.5% 2.5%
 Raising Funds 11.2%
19
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## Thank You We would like to thank the following organisations and individuals for their support over the last year, along with all those who donated online, those who made donations to our charity shop and those who gave anonymously. Companies, organisatons & community groups Age UK, The Big Knit Kingdom Outreach Churches Asda Foundation Kingsfold Pharmacy Blackburn College Kingsway Blackburn Empire Theatre Lesley’s News Blackburn Road Runners Mayer’s Fishmongers Blackburn Rovers Football and MD Business Supplies Athletic Ltd Middleforth Pharmacy Blackburn with Darwen Borough Morrisons, Blackburn Council Olly’s Kitchen Castle Industrial Supplies Ltd Nationwide Building Society Choice Mobility Radio Lancashire Creative Football Reedley Primary School Darwen Food Share Revidge Fold URC Church Darwen Resource Centre Riverside Heights Derwent Hall Santander, Blackburn Finch Bakery Santander, Darwen Heritage Envelopes Scott Stewart's Fruit and Veg HSBC, Blackburn Soroptimist international, John’s Hardware Blackburn St Peter & St Paul’s Parish Church Ten Pin The Olive School The Sacred Heart Parish, Darwen Thomas Franks Valetech Solutions Limited Westholme Schools What More UK Ltd WHN Solicitors WM & BW Lloyd Charity Trust Woods Fruit and Veg Yorkshire Building Society Charitable Trust 20 ## Individuals M Ainsworth D Elliott M Hughes D & T Norris R Smith T Ainsworth S Elliott E Hulton N Olander M Spencer J Allen A Fay D Hunt N Panwaskar J Stopporth L Baldwin A Fenton J Hunt L Parry D Sumner J Barnes N Ferdinand D Irving A Patel W Sutherland J Baron J Fletcher J Isherwood K Patel C Tattersall R Battersby K Gaffney L Jackson S Patel J Taylor E Bean I Gascoigne R Jenkin J Pearson M Umar M Bentley M Gavan O Jennings J Pemberton Dr S Waghray J Birkett A Geddes R Jones M Peutherer J Waite J Boffy M Geddes C Kemp J Pickin A Walsh M Bogg W Graham J & J Kemp G Pickup T Walsh J Braithwaite H Hacking R & J Landau M Qureshi S Warbrick V Bunn S Hacking K Lang M Ramsbottom P Watkins T Clark F Hafiz R Lawes O Reah R West B Clarke S Hafiz B Leigh S Reeves R Wilson E Cruikshanks D Harrison L Littler G Roberts J Woods J Curley A Hedley M Longworth S Roberts W I Woolley D De La Rue J Hindle J Lucas M Rushton L Dearden K Holroyd E Maloney E Sharples M Dennett S Holt K Marsh O Sharrock S Dickinson J Hope M McClure D Simpson S Dickinson B Hornby C McIntyre L Skupski M & R Edwards L Houghton R Moorby D Smith Donatons in memory Craig Hope Patricia Moralee Jennifer Suggitt Pat Walton Legacies Elizabeth Howe Marjorie Kenyon MBE Funders Age UK Community Support Fund Age UK Active Lancashire Tackling Inequalities Fund Co-op Community Fund Age UK Big Lottery Fund Building Connections Fund Coronavirus Retention Scheme Age UK Covid-19 Emergency Appeal Department of Transport Age UK Friends and Forums Duchy of Lancaster Benevolent Fund Age UK Greater Lancashire CIC Julia and Hans Rausing Trust Charity Survival Fund Age UK Later Life Goals Lancashire Mind Age UK Malnutrition Taskforce National Lottery Community Support Fund Age UK NHSE Winter Support Programme Sir Jules Thorn Charitable Trust (Ann Rylands Small Age UK Think Digital Donations Scheme) Brian Mercer Charitable Trust Sport England British Muslim Covid-19 Fund Tesco Bags of Help Charities Aid Foundation Covid Survival Fund The Henry Smith Charity Clothworkers Foundation Community Foundations Lancashire - Covid-19 21 ## About us Age UK Blackburn with Darwen is an independent registered charity (number 1143809) and a charitable company that exists to support local older people. As an incorporated body Age UK Blackburn with Darwen is governed by a Memorandum and Articles of Association. Within these the object of the organisation is to promote the wellbeing of older people in any manner which now or hereafter may be deemed charitable by law, in and around the Borough of Blackburn with Darwen. Our services and activities are available to older people in Blackburn with Darwen and our charitable services are provided either free of charge or charged by us at a reasonable cost, based on the cost of delivery. The charity own a subsidiary company Age UK Blackburn with Darwen Trading Ltd (registered company number 2965744) which was dormant during the year. The charity also owns a 50% shareholding of Age UK Greater Lancashire CIC (registered company number 10086085). This Annual Review of the Trustees should be read in conjuncton with the full Trustees Report and Financial Statements to provide a complete picture of the organisaton’s fnancial actvity and governance. ## Board of Trustees The board of trustees is responsible for the overall governance, management and control of the organisation, working with the Chief Executive and senior staff management team on strategic and organisational development. Decisions about day-to-day operation are taken by the Chief Executive and senior management team; and decisions on matters with significant implications are brought to the board of trustees. The trustees have overall responsibility for ensuring that the charity has appropriate systems of internal controls in place across the organisation and for risk management. The trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on Public Benefit when reviewing the charity’s aims and objectives and in planning its future activities, which is an annual process. Ofcers and Trustees of Age UK Blackburn with Darwen 2020/21 Chairman Anthony Hedley Vice Chairman John Thomas Honorary Financial Advisor Vacant Trustees Judith Isherwood Faith Marriott MBE (appointed 10th February 2021) Faizal Patel Chris Porter Peter Watkins W Ian Woolley (resigned 21st July 2021) Local authority representatve Cllr Mustafa Desai Chief Executve Vicky Shepherd Registered Ofce 4 King Street, Blackburn, BB2 2DH ## Auditors Beever and Struthers, Suite 9b, The Beehive, Lions Drive, Shadsworth Business Park, Blackburn BB1 2QS For more informaton contact us at: Age UK Blackburn with Darwen 4 King Street, Blackburn, BB2 2DH t: 01254 266620 @AgeUKBwD AgeUKBwD e: enquiries@ageukbwd.org.uk w: www.ageukbwd.org.uk Age UK Blackburn with Darwen is a Registered Charity No 1143809 and a Company limited by guarantee registered in England and Wales No 7728630 Age UK Blackburn with Darwen Trading Ltd is registered in England and Wales No. 2965744 Registered Offices 4 King Street, Blackburn BB2 2DH 22 Registered charity no 1143809 Registered company no 7728630 ## **AGE UK BLACKBURN WITH DARWEN** |**CONTENTS**|| |---|---| ||Pages| |Directors' Report|1 ‐ 10| |Independent Auditors' Report|11‐14| |Statement of Financial Activities|15| |(including income and expenditure account)|| |Charity Balance Sheets|16| |Statement of Cash Flows|17| |Notes|18‐38| |Appendix|39‐40| ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ The Directors, who are also Trustees of the Charity, present their report and financial statements for the year ended 31 March 2021. The principal activity of Age UK Blackburn with Darwen is the promotion of the wellbeing of older people in any manner which is now or hereafter may be deemed charitable by law, in and around the Borough of Blackburn with Darwen The principal activity of Age UK Blackburn with Darwen Trading Ltd was the earning of commission from arranging insurance. There has been no activity or income during the current or prior year and the company is currently dormant. The financial year 2020/21 has been a challenging one due to the Covid-19 pandemic and the resultant lockdowns and restrictions and the severe impact of this on older people and consequential increase in demand for support from the organisation. This required a change to our operating models with many staff working primarily from home and the delivery of much of our service provision by telephone and digital means; along with the rapid development of a new Covid Wellbeing support service. Some face to face provision has been operational since July 2020 and we are now gradually resuming all other provision in line with Government guidelines. Financially the pandemic generated a significant amount of uncertainty during the year. Our income from fundraising activity, our shop and service income was significantly reduced by our inability to deliver face to face activity for long periods during the year. However, we have been fortunate to successfully secure an increased amount of grant income from both Covid specific and general funding programmes from a range of funders. We are also grateful to our commissioners who maintained the level of contract income whilst allowing flexibility for our service offer. ## **FINANCIAL REVIEW** In the year to 31 March 2021 the Charity reported a surplus of £34,809 from an income of £1,077,281. This was made up of a deficit of £3,018 on restricted funds (funds which are to be used for specified purposes as laid down by the donor/funder) due to the agreed spending of funds received in prior years, and a surplus of £37,827 on unrestricted funds (income received or generated and available for general use) The surplus on unrestricted funds is made up of both funds which the trustees have designated for a particular purpose and undesignated general funds. In the year £5,829 of designated funds were spent on supporting service continuity. The Trustees have also agreed to designate further £30,000 of unrestricted funds to support the continued upgrade of the organisation’s IT and digital infrastructure. The appendices on pages 39 and 40 show the Charity’s income and expenditure for the 2020/2021 financial year together with the 2019/2020 comparative figures. Whilst these appendices do not form part of the accounts the Trustees feel that the inclusion of this information provides readers of the Annual Report with a clearer financial picture. 1 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ 52% of the organisation’s annual income came from contract income including service contracts with Blackburn with Darwen Borough Council and from E.ON through national Age UK. 35% of the organisation’s annual income came from grants from a variety of sources, which is a 10% increase on the previous year. 9% of our annual income came from a combination of fundraising activities including charity shop sales, donations and legacies, service income, investment income, and contributions to costs which is a 15% decrease on the previous year. The remainder of the income came from an insurance claim due to the shop flooding. During the financial year the organisation received a total of £37,963 from donations and legacy income which was a decrease on the previous year. This income was made up of unrestricted cash donations amounting to £14,731, unrestricted legacy income of £5,165 and £18,067 in restricted donations of which £15,348 represented the value of donated facilities and equipment. Income from these sources supports the delivery of the range of services and activities that the charity provides along with essential core functions. We saw a reduction in expenditure compared to 2019/20. In particular, expenditure on wages and salaries was reduced through reduced hours for some roles, limited recruitment, and utilisation of the Government Job Retention Scheme. Expenditure on staff travel, volunteer expenses and vehicle costs were all reduced due to the change in operating models in response to the Covid pandemic. Increased expenditure on rent and rates relates to the delivery of the new day care service model and is funded through that contract and the increase in repairs and renewals costs relate to repair work at our Darwen shop following a significant leak in March 2020, the majority of which were reimbursed via insurance claims. ## **Investment Policy** The charity retains investments in short or medium term low risk, easily redeemable investments in the form of bank deposits because of the uncertainty in its business sector. ## **Reserves Policy** This sets out Age UK Blackburn with Darwen’s policy and process around setting and maintaining a financial reserve to support the charity to meet its objects. ## **Context and rationale** The funding environment for local charities was already challenging and has been further exacerbated by the pandemic and its ongoing effects in all areas of income generation. Challenges with the level of public sector funds and changes to commissioning models along with increased competition for grant funding mean external funding is increasingly uncertain; and we are forecasting only a gradual return to income levels from service and shop takings 2 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ and fundraising activity during 2021/22 which could still be further impacted by any future restrictions. As such it is likely that some reserves will need to be utilised to ensure we can continue to meet the needs of older people locally during 2021/22 and beyond. ## **Policy** Based on this context and rationale the Trustees of Age UK Blackburn with Darwen have agreed the following Reserves Policy: - that either 6 months unrestricted running costs or 3 months running costs plus the cost of all liabilities, whichever is the greater, will be maintained as reserves. This is to allow the organisation to either wind up properly or restructure and secure additional funding, whichever is the most appropriate course of action at the time - Any additional reserves may be utilised for: - business continuity and development and to maintain essential core functions and services - Designated purposes to be decided on a case by case basis by the Trustees This policy is reviewed annually alongside the organisation’s business planning, budget setting and risk assessment processes. ## **Reserves & Financial Position** Total reserves at 31[st] March 2021 amounted to £711,127 including restricted and designated funds. At that date the organisation held unrestricted, undesignated funds of £495,962 this figure includes tangible fixed assets of £5,294. Designated funds at 31[st] March 2021 amounted to £179,323 including tangible fixed assets of £61. These funds are designated for business continuity and development and to maintain essential core functions and services together with the upgrade of IT equipment and will potentially be spent over the next three years. The balance on unrestricted, undesignated funds reflects the organisation’s Reserves Policy to maintain sufficient funds to either wind up properly or restructure and secure additional funding, whichever is the most appropriate course of action at the time. A significant proportion of the organisation’s current unrestricted assets are the result of selling a building and as such the Trustees are aware that once spent these assets will not be replenished. The Trustees reviewed the Reserves Policy in May 2021 and it was decided that no changes were needed. Restricted funds at 31[st] March 2021 amounted £35,840. Details on the movement on restricted funds can be found in the notes to the accounts. Based on the organisation’s level of cash reserves, the grants and contracts in place and the additional grant income brought in to date in 2021/22 we consider the organisation will remain a going concern for a period of at least 12 months from the signing of the financial statements. 3 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ ## **Related Party Transactions** The Charity holds 50% of the issued share capital of Age UK Greater Lancashire CIC, a company registered in England and Wales. Its principal activity is the delivery of contracts and services across the whole of the county of Lancashire. The Charity received grant income of £3,227 (2020: £3,416) from the CIC in relation to the Age of Opportunity Programme to support over 50’s to get back into employment. There were donations, including gift aid, made by Trustees of £1,040 (2019: £1,090) ## **Plans for Future Periods** The Trustees are extremely conscious that we continue to operate in uncertain and challenging times, and that the organisation is starting the 2021/22 financial year with a deficit budget. However, the organisation has a full business plan in place which it intends to deliver against. This includes plans to reduce this deficit. The organisation’s key priorities within this plan for the coming year are: - Developing and delivering quality person centred services to continue to meet the needs of older people, including a specific focus on support to recover from the impacts of the pandemic - Securing additional funding from a range of sources, particularly grant funding, to maintain and develop our service offer and to support sustainable service models - Continued income diversification - Continued development of our workforce, both paid and voluntary to meet current and future needs, and a focus on workforce wellbeing in response to the impacts of the pandemic 4 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ **----- Start of picture text -----**
Where our income came from: Total Income: £ 1,077,281
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**----- Start of picture text -----**
Charitable Activities 87.9% Donations & Legacies 3.5% Trading Activities 5%
Investments 0.1% Other 3.5%
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**How we spent our income: Total Expenditure: £1,042,472** **----- Start of picture text -----**
Supporting Indepentent Living 71.5% Advice, Information and Advocacy 14.8%
Influencing Policy and Practice 2.5% Raising Funds 11.2%
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## **Our Approach to Fundraising** 5 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ The charity has a fundraising strategy framework in place which has been agreed by the Board of Trustees. This framework applies to all fundraising activities that the charity undertakes and any relationships/partnerships that the charity works with and who fundraise for us. Fundraising covers all of the income generation activities undertaken by the charity including individual donations but excluding non-charitable trading, shops, contracts for services and service income. Fundraising activity includes receiving donations from trusts, companies, educational establishments and individuals and a range of community fundraising such as store collections, street collections, raffles, sponsored events and other events. We do not currently fundraise by telephone, by cold mailing or by signing people up as donors on the street. In line with Charity Commission guidance we have the following practices in place: Planning - the charity prepares an annual fundraising income plan and organisational risk register for sign off by the Board of Trustees. The Income Plan includes the activities to be undertaken in that year, expected costs and projected income and the risk register includes any potential income, reputational or other risks in relation to fundraising activities along with mitigating controls. Both are monitored by management and trustees on at least a bi-annual basis. Delivery - all fundraisers receive an appropriate induction which will include role specific guidance on the Fundraising Regulator’s code of practice in fundraising, and the Institute of Fundraising Guidance. All volunteer fundraisers are supported by a member of paid staff. In addition, to ensure we protect vulnerable people we have a range of other policies in place including Safeguarding of Vulnerable Adults policy and procedures, vulnerable donors guidance and financial procedures which all fundraisers receive and must adhere to. The requirements and expectations of all donors will be respected including those who wish to remain anonymous and those who wish to restrict their donation to a particular project or service. All data collected in relation to fundraising activities and donors will be processed in line with current data protection legislation. Finance - comprehensive financial information and reports are kept of all fundraising activities and presented to trustees at least quarterly. Restricted donations are used for the purpose specified and identified in the accounts, in line with SORP requirements. All events are fully costed and risked assessed by the charity senior management team prior to agreement to go ahead and implementation. Corporate Partners – the charity does not use professional fundraisers or commercial participator arrangements. It does however, from time to time enter into partnerships with businesses who will fundraise for us, for example ‘Charity of the Year’ partnerships. Prior to entering into any such arrangements the charity will assess the relationship through a due diligence risk checklist which will assess reputational risk, expected value, benefits and financial integrity. Decisions about proceeding with higher scoring partners will be made by trustees. 6 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ Regulation - the charity is registered with the Fundraising Regulator and its operations, staff and volunteers are bound by the code of fundraising practice and other regulations. In addition, all national and local licensing/permission procedures are obtained prior to any fundraising activity taking place. During 2020/21 we received no complaints with regard to fundraising activity. ## **Public Benefit** The Trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on Public Benefit when reviewing the charity’s aims and objectives and in planning its future activities, which is an annual process. ## **Governance and Internal Control** The Board of Directors of Age UK Blackburn with Darwen (who are also Trustees of the Charity) is the body responsible for the governance of the organisation. The organisation is governed by Articles of Association which were reviewed and updated in 2019. The charity has also carried out a review against the updated 2020 version of the Charity Governance Code to ensure that it is meeting best practice. The Board is made up of at least five members. The Chief Executive acts as Secretary to the organisation. The list of Directors/Trustees can be found on page 8 of this report. Elections for Board members take place at the Annual General Meeting at least once every three years. All Board members are eligible for re-election. Nominations to the Board of Trustees maybe made by the Board itself or the organisation may also seek to recruit Trustees by word of mouth or through advertisements. The Board meets not less than six times per year and receives reports at each meeting from the Chief Executive and Finance Manager, along with a schedule of reports from all areas of the organisation presented by the relevant manager. The senior management team can advise and make recommendations but cannot to vote on decisions of the Board. All new Trustees receive an induction which is tailored to the specific needs of the individual and includes a copy of the organisation’s Business Plan, a full set of organisational Policies and Procedures and any relevant past Board papers. Relevant on-going training is available to all Trustees. ## **Trustees Responsibilities** The Trustees have overall responsibility for ensuring that the charity has appropriate systems of internal controls in place across the organisation. The systems of internal control are designed to provide reasonable, but not absolute, assurance against material misstatement or loss. Internal control processes include: - Regular consideration by the Trustees of financial results, variances from budgets, forecasts and performance indicators - Delegation of authority and segregation of duties - Identification and management of risk - Written financial procedures which are subject to regular review. 7 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ - Both planned and unannounced checks in all service areas. - Annual discussion between the Trustees and auditor without management being present - External review of financial controls every 3 years which most recently took place in 2019 - The commissioning of external financial oversight on behalf of the Trustees ## **Risk Management** The Trustees have responsibility for a managed approach to risk management and have a Risk Management Policy in place. The organisation’s risk register is based on Charity Commission guidance, considering likelihood of occurrence, potential impact and the controls in place to mitigate risk, together with the need for further action where necessary. The current risk register reflects that the primary risks facing the organisation are financial, however the ongoing impact and uncertainty created by the Covid pandemic, the loss of key personnel, the changing commissioning landscape to cover larger delivery areas and increased demand for services are also risks that must be actively managed, along with being able to respond to changes to Government policy. In terms of financial risk the current primary risks are associated with the ongoing impact of the Covid pandemic, the day care transformation programme, and funding the Advice & Information service and essential core costs. In the longer term the organisation is operating in an environment where local contract opportunities are reducing and the need to diversify income sources is paramount, and a key part of organisational strategy. A funding action plan is in place and this, along with the regular Quality & Risk planning meetings, form part of the approach to risk management. The risk register is reviewed by management at least quarterly and by the trustees at least every six months or in response to a significant change or event. ## **Key Management Personnel** Key personnel are those responsible for making key strategic decisions or influencing those decisions. The Directors consider that the Board of Directors, who are also the Charity’s Trustees, and the Chief Executive comprise the key management personnel of the Charity. All directors give of their time freely and no director received remuneration in the year. The pay of the key management personnel is reviewed annually by the Board prior to agreeing the new year budget and taking into account the local context and organisation’s strategy and business plan. In 2020/21 the total employee benefits of key management personnel of the Charity were £57,118 including employer pension contribution. |**Officers and Directors/Trustees of Age UK Blackburn with Darwen 2020/21**|**Officers and Directors/Trustees of Age UK Blackburn with Darwen 2020/21**| |---|---| |Chairman|Anthony Hedley| |Vice Chairman|John Thomas| |Trustees|Judith Isherwood| ||Faith Marriott (appointed 10thFebruary 2021)| ||Faizal Patel| ||Christopher Porter| ||Peter Watkins| 8 **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** W Ian Woolley (resigned 21st July 2021) Local authority representative Cllr Mustafa Desai Local authority representative Senior Management Team Chief Executive: Vicky Shepherd Head of Business Development: Elaine Jennings Head of Prevention & Wellbeing: Sharon Lucas Finance Manager: Tina Wilson ## Auditors A resolution proposing that Beever and Struthers be re-appointed as auditors of the charity will be put at the annual general meeting. ## Trustees Annual Review The directors’ report and financial statements for the year ended 31 March 2021 are to be read along with the organisation’s Annual Review which has been prepared in a separate document and presents a detailed review of activities undertaken in the year, along with other information. ## **Statement of Directors’ Responsibilities** The Trustees (who are also directors of Age UK Blackburn with Darwen for the purpose 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 Charity and the group and of the incoming resources and application of resources, including the income and expenditure, of the charitable group for that period. In preparing those financial statements, the Trustees are required to; - select suitable accounting policies and then apply them consistently; - observe the methods and principles in the Charities SORP; - make judgements and estimates that are reasonable and prudent; - state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements, and; - prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charitable company will continue in business 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 the group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. 9 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ The Trustees are responsible for the maintenance and integrity of the corporate and financial information included on the charitable company’s website. Legislation in the United Kingdom governing the preparation and dissemination of the financial statements may differ from the legislation in other jurisdictions. ## **Statement of disclosure to auditors** So far as the directors are aware, there is no relevant audit information of which the company’s auditors are unaware. Additionally, the directors have taken all the necessary steps that they ought to have taken as directors in order to make themselves aware of all relevant audit information and to establish that the company’s auditors are aware of that information. This report has been prepared in accordance with the special provisions relating to small companies within Part 15 of the Companies Act 2006. On behalf of the Board ## **Anthony Hedley Trustee** ## **22[nd] September 2021** 10 ## ����������������������������� ## ���������������������������������������������������������������� ���������������������������������������������������������� ��������������������������������������������������������������������������������� ## �������� ���������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������� ����������������������������� ������������������������������������������ - ���������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ������������ - ������������������������������������������������������������������������������������������������������ ���� - ���������������������������������������������������������������������������������� ## 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��������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������ ������������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ����������������������������������� ����������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������� ������������������������������� ����������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ������������������������������������������������������������ ��������������������������������������������������������������������������������������������������������� ���������������������������������������������������� ������������������������������������������������������������������������������ ����������������������������������������������������������������������������������������������������������� ��������������������������������������������� �������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ��������������������� �������������������������������������������������������������������������������������������������������������������� �������������������������������� ����������������������������������������������������������������������������� ������������������ ��� ## ����������������������������� ## ���������������������������������������������������������������� ���������������������������������������������������������� ��������������������������������������������������������������������������������� ## ����������������� ����������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� ������������������������������������������������� ## ��������������������������������������� ������������������������������������������ ��������������������������������������������� ��������� ������������ ������������ ������������������������� ���������� �������� ������������������������ ��� ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING THE INCOME & EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31 MARCH 2021** |**Note**
**INCOME FROM:**
**_Donations & legacies_**
2
**_Other trading activities_**
Shop income
Fundraising activities
Reimbursed costs
**_Income from investments_**
Interest on short term deposits
**_Charitable activities_**
Supporting Independent Living
3
Advice, Information & Advocacy
4
Influencing Policy & Practice
5
**_Other income_**
Other income
**Total income**
**EXPENDITURE ON:**
**_Raising funds_**
7
Cost of generating voluntary income
Shop operating costs
Fundraising
**_Charitable activities_**
6
Supporting Independent Living
Advice, Information & Advocacy
Influencing Policy & Practice
**Total expenditure**
**Net (expenditure)/income**
9a
**Transfers between funds**
16,17
**Net movement in funds**
**Reconciliation of funds**
Total funds brought forward
16,17
**Total funds carried forward**
16,17|**Unrestricted**
**Funds**
**£**
19,896
17,406
9,369
27,460
1,262
626,151
4,307
‐
37,243
743,094
313
105,701
10,387
546,902
23,080
18,884
705,267
37,827
‐
37,827
637,458
675,285|**Restricted**
**Funds**
**£**
18,067
‐
‐
‐
‐
190,054
126,066
‐
334,187
‐
‐
‐
198,080
131,554
7,571
337,205
(3,018)
‐
(3,018)
38,860
35,843|**2021**
**Total**
**£**
37,963
17,406
9,369
27,460
1,262
816,205
130,373
‐
37,243
1,077,281
313
105,701
10,387
744,982
154,634
26,455
1,042,472
34,809
‐
34,809
676,318
711,127|**2020**
**Total**
**£**
92,035
66,338
6,375
‐
1,388
769,939
123,404
16,280
6,375| |---|---|---|---|---| |||||1,082,134| |||||306
74,470
15,278
815,270
153,642
40,440| |||||1,099,406| |||||(17,272)
‐| |||||(17,272)
693,590| |||||676,318| All incoming resources and resources expended derive from continuing activities The notes on pages 18 to 38 form part of these accounts 15 ## **AGE UK BLACKBURN WITH DARWEN** ## **BALANCE SHEET** ## **AS AT 31 MARCH 2021** |**Note**
**Fixed Assets**
Tangible fixed assets
10
Investments
11
**Current Assets**
Stocks
12
Debtors
13
Cash at bank and in hand
**Creditors**
14
**Net Current Assets**
**Net Assets**
**Capital and Reserves**
Unrestricted funds
‐ General funds
16
‐ Designated funds
16
Restricted funds
17
Amounts falling due within one year|**Charity**
**2021**
**£**
6,503
8
6,511
265
36,316
754,729
791,310
(86,693)
704,616
711,127
495,962
179,323
675,285
35,842
711,127|**Charity**
**2020**
**£**
11,655
8| |---|---|---| |||11,663| |||333
69,460
646,718| |||716,511
(51,856)| |||664,655| |||676,318| |||482,306
155,152| |||637,458
38,860| |||676,318| Approved by the trustees on 22nd September 2021 and signed on their behalf by: A Hedley Chairman Company Number 7728630 The notes on pages 18 to 38 form part of these accounts 16 ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF CASH FLOWS AS AT 31 MARCH 2021** |**Note**
**Cash flows from operating activities:**
Net cash used by operating activities
24
**Cash flows from investing activities:**
Interest income
Purchase of tangible fixed assets
**Net cash provided by /(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**
25|**Charity**
**2021**
**£**
106,749
1,262
‐
1,262
108,011
646,718
754,729|**Charity**
**2020**
**£**
(30,503)
1,388
(1,428)
(40)
(30,543)
677,261| |---|---|---| |||646,718| 17 **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **1 Principal accounting policies** ## **Basis of accounting** These financial statements have been prepared in accordance with the 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 January 2019) ‐ Charities SORP (FRS 102), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006. The financial statements are prepared in sterling which is the functional currency of the entity. Age UK Blackburn with Darwen meets the definition of a public 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. The following exemptions available under FRS102 in respect of certain disclosures for the parent company financial statements have been applied. ‐ key management personnel compensation ‐ cashflow statement ## **Basis of Consolidation** The Charity has one subsidiary company. However, as this subsidiary is not considered to be material to the group the results of the subsidiary undertaking has been excluded from these consolidated accounts. See note 11 to the financial statements. The consolidated accounts, comprise of the accounts of the parent charitable company. ## **Investments in Joint Ventures** Investments in joint ventures are accounted for under the equity method of accounting, with the Group's share of net income or net expenditure being recognised in the Statement of Financial Activities and the net carrying amount shown on the balance sheet. ## **Investments** Fixed asset investments are stated at cost less any provision for impairment. ## **Income** Income is recognised when the charity has entitlement to the funds, any performance conditions attached to the item(s) of income have been met, it is probable the income will be received and the amount can be measured reliably. ## **Gifts in kind and intangible income** Equipment and other items are included in the financial statements at estimated market value of the item donated at the time of receipt. Rent‐free accommodation and Non‐Domestic Rate Relief on properties used by Age UK Blackburn with Darwen have been included in the financial statements at the estimated market value of the services donated. Items donated for resale are included in shop income when sold and no value is placed on stock at the year end. The value of services from volunteers has not been included in the financial statements. ## **Grants** Income from government and other grants, whether 'capital' grants or 'reserve' grants is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received and the amount can be measured reliably and not deferred. 18 **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **1 Principal accounting policies (continued)** ## **Donations and legacies, and other forms of voluntary income** Donations and legacies and other forms of voluntary income are recognised in full in the Statements of Financial Activities when the receipt of income is considered probable and the amount receivable can be measured with sufficient reliability. Resources expended are recognised in the period in which they are incurred. Resources expended include attributable VAT which cannot be recovered. Costs of raising funds comprise the costs associated with attracting voluntary income and the costs of trading for fundraising purposes including the charity's shop. Charitable expenditure comprises those costs incurred by the Charity in the delivery of its activities and services for its beneficiaries. It includes both costs than can be allocated directly to such activities and those costs of an indirect nature necessary to support them. All costs are allocated between the expenditure categories of the Statements of Financial Activities on a basis designed to reflect the use of the resource. Support costs are apportioned on an appropriate basis e.g. time spent, floor areas, or estimated usage. Staff costs are allocated to activities on the basis of staff time spent on those activities ## **Restricted Funds** Restricted funds are to be used for specified purposes as laid down by the donor or funder. Expenditure which meets these criteria is identified to the fund, together with a fair allocation of support costs. ## **Unrestricted funds** Unrestricted funds represent income received or generated for the objects of the Charity without further specified purpose and are available as general funds. ## **Designated funds** Designated funds are unrestricted funds earmarked by the Trustees for particular purposes. ## **Depreciation** Fixed assets (excluding investments) are stated at cost less accumulated depreciation. The costs of minor additions or those costing below £1,000 are not capitalised. Depreciation of fixed assets is charged by annual instalments commencing with the year of acquisition at rates estimated to write off their cost less any residual value over the expected useful lives, which are as follows: Leasehold Improvements 10.62% ‐ 25% Straight‐line method over period of lease Equipment 15% ‐ 25% Straight‐line method Computers 33.3% Straight‐line method Motor vehicles 25% Reducing balance method ## **Stocks** Stocks are valued at the lower of cost and net realisable value. Donated items of stock have not been included in the stock balance as, after careful consideration the Trustees' view is that the cost of obtaining this information is impractical and exceeds the benefits it will provide. 19 **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **1 Principal accounting policies (continued)** ## **Resources expended** ## **Operating leases** Leases in which the entity assumes substantially all the risks and rewards of ownership of the leased asset are classified as finance leases. All other leases are classified as operating leases. Rentals paid under operating leases are charged to income as incurred. ## **Pensions** The Charity operates a defined contribution pension scheme and makes contributions under auto‐enrolment requirements. Contributions payable for the year are charged in the Statements of Financial Activities. ## **Financial instruments** The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value. ## **Taxation** The Charity is exempt from tax on income and gains falling within section 505 of the Taxes Act 1988 or section 252 of the Taxation of Chargeable Gains Act 1992 to the extent that these are applied to its charitable activities. ## **Judgements and Key Sources of Estimation Uncertainty** The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. In the opinion of the directors there are no critical accounting judgements and key sources of estimation and uncertainty that require further disclosure, which are not explained elsewhere in the accounting policies. ## **Legal status of the Charity** The Charity is a company limited by guarantee and has no share capital. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £1 per member of the charity. 20 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**2**
**Donations and legacies**
Unrestricted Donations and legacies
for the general use of the Charity
Restricted donations
‐ Supporting Independent Living
‐ Advice, Information & Advocacy
‐ Donated facilities and equipment
including rate relief
**_2020 COMPARATIVE_**
**_Donations and legacies_**
_Unrestricted donations and legacies_
_for the general use of the Charity_
_Restricted donations_
_‐ Supporting Independent Living_
_‐ Advice, Information & Advocacy_
_‐ Donated facilities and equipment_
_including rate relief_|**Unrestricted**
**Funds**
**£**
19,896
‐
‐
19,896
**_Unrestricted_**
**_Funds_**
**_£_**
60,596
‐
‐
‐
_60,596_|**Restricted**
**Funds**
**£**
‐
639
2,080
15,348
18,067
**_Restricted_**
**_Funds_**
**_£_**
‐
‐
_200_
_13,797_
‐
_17,442_
_31,439_|**2021**
**Total**
**£**
19,896
639
2,080
15,348| |---|---|---|---| ||||37,963| ||||**_2020_**
**_Total_**
**_£_**
_60,596_
_200_
_13,797_
_17,442_| ||||_92,035_| 21 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**3**
**Supporting Independent Living**
Contracts and Service Level Agreements:
Blackburn with Darwen Borough Council
Grants:
Age UK
‐ Brand Partner
‐Covid 19 Emergency Appeal
‐ Friends & Forums
‐ Think Digital
‐ Malnutrition Taskforce
‐ NHSE Winter Support Programme
Active Lancashire Tackling
Inequalities Fund
Big Lottery Fund Building
Connections Fund
Clothworkers Foundation
Co‐op Community Fund
Community Foundations
Lancashire Covid 19 Community
Support Fund
British Muslim Covid 19 Fund
Duchy of Lancaster Fund
Furlough Grant
Dept of Transport
Julia And Hans Rausing Trust
Charity Survival Fund
National Lottery Community support Fund
Sir Jules Thorn Charitable
Trust(Ann Rylands small
donations scheme)
Sport England
Tesco Bags of Help
Lancashire Mind
Service Income|**Unrestricted**
**Funds**
**£**
537,973
15,000
27,277
750
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
9,650
‐
‐
‐
‐
‐
‐
‐
35,501
626,151|**Restricted**
**Funds**
**£**
‐
‐
‐
‐
57,653
500
25,949
2,825
15,366
3,700
2,387
438
250
500
‐
1,333
44,101
26,990
1,500
300
500
5,762
‐
190,054|**2021**
**Total**
**£**
537,973
15,000
27,277
750
57,653
500
25,949
2,825
15,366
3,700
2,387
438
250
500
9,650
1,333
44,101
26,990
1,500
300
500
5,762
35,501| |---|---|---|---| ||||816,205| 22 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**_2020 COMPARATIVE_**
**_Supporting Independent Living_**
_Contracts and Service Level Agreements:_
_Blackburn with Darwen Borough Council_
_Families Health & Wellbeing Consortium ‐ IAG_
_Grants:_
_Age UK_
_‐ Big Lottery Fund‐One Digital Project_
_‐ Get Active, Feel Great Project_
_‐ Brand Partner_
_‐ Big Lottery Fund Stepping Stones_
_‐ Think Digital_
_Blackburn with Darwen Borough Council &_
_Blackburn with Darwen CCG_
_Friends & Forums_
_National Lottery Community Fund_
_Morrisons Partner Portal_
_Morrisons Foundation_
_One Digital Volunteers event_
_Swim England_
_Dept of Transport_
_WG Edwards Charitable Foundation_
_Santander Discovery Days_
_Service Income_|**_Unrestricted_**
**_Funds_**
**_£_**
_452,408_
_71,290_
_‐_
_‐_
_15,000_
_‐_
_‐_
_‐_
_750_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_87,949_
_627,397_|**_Restricted_**
**_Funds_**
**_£_**
_‐_
_‐_
_17,800_
_2,000_
_‐_
_35,798_
_1,255_
_62,837_
_‐_
_996_
_1,000_
_14,780_
_500_
_2,465_
_703_
_1,500_
_250_
_658_
_142,542_|**_2020_**
**_Total_**
**_£_**
_452,408_
_71,290_
_17,800_
_2,000_
_15,000_
_35,798_
_1,255_
_62,837_
_750_
_996_
_1,000_
_14,780_
_500_
_2,465_
_703_
_1,500_
_250_
_88,607_| |---|---|---|---| ||||_769,939_| 23 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**4**
**Advice, Information & Advocacy**
**Unrestricted**
**Funds**
Contracts and Service Level Agreements:
‐ E.ON Energy Solutions Limited ‐ Benefits
Take Up Programme
‐
Grants:
Age UK
‐ Later Life Goals
‐
‐ Covid 19 Emergency Appeal
‐
Age UK Greater Lancashire CIC
3,227
Brian Mercer Charitable Trust
‐
Charities Aid Foundation Covid Survival Fund
‐
Community Foundations Lancashire Covid 19 Commun
‐
The Henry Smith Charity
‐
Service Income
1,080
4,307
**_2020 COMPARATIVE_**
**_Advice, Information & Advocacy_**
**_Unrestricted_**
**_Funds_**
**_£_**
_Contracts and Service Level Agreements:_
_‐ E.ON Energy Solutions Limited ‐ Benefits_
_Take Up Programme_
_‐_
_Families Health & Wellbeing Consortium ‐ IAG_
_7,543_
_Grants:_
_Age UK_
_‐ Later Life Goals_
_‐_
_Age UK Greater Lancashire Community Interest Co_
_‐_
_Brian Mercer Charitable Trust_
_‐_
_The Eric Wright Charitable Trust_
_‐_
_The Henry Smith Charity_
_‐_
_Service Income_
_1,080_
_8,623_|**Restricted**
**Funds**
**£**
21,448
21,000
10,457
‐
10,000
17,335
4,403
41,423
‐
126,066
**_Restricted_**
**_Funds_**
**_£_**
_26,040_
_‐_
_20,500_
_3,416_
_10,000_
_17,500_
_37,325_
_‐_
_114,781_|**2021**
**Total**
**£**
21,448
21,000
10,457
3,227
10,000
17,335
4,403
41,423
1,080| |---|---|---| |||130,373| |||**_2020_**
**_Total_**
**_£_**
_26,040_
_7,543_
_20,500_
_3,416_
_10,000_
_17,500_
_37,325_
_1,080_| |||_123,404_| 24 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**5**
**Influencing Policy & Practice**
Contracts and Service Level Agreements:
**_2020 COMPARATIVE_**
**_Influencing Policy & Practice_**
_Contracts and Service Level Agreements:_
_Families Health & Wellbeing Consortium ‐ IAG_
**6**
**Expenditure on Charitable Activities**
**Supporting**
**Independent**
**Living**
**£**
**Direct Costs**
Staff Costs
449,881
Premises Costs
32,837
Office Costs
10,940
Vehicle Costs
8,821
Service Supplies
49,057
Professional Fees
112
Bank Charges
426
Depreciation
1,828
553,902
**Support Costs (basis for allocation)**
Staff Costs (time)
127,006
Premises (space)
11,900
Office (usage)
23,924
Service Supplies
‐
Professional Fees (usage)
2,280
Bank Charges (usage)
921
Depreciation (usage)
2,216
Governance costs
22,833
**Total Support Costs**
191,080
**Total Costs**
744,982|**Unrestricted**
**Funds**
**£**
‐
**_Unrestricted_**
**_Funds_**
**_£_**
_16,280_
_16,280_
**Advice**
**Information**
**& Advocacy**
**£**
81,812
2,632
739
‐
1,326
35
‐
‐
86,544
47,415
7,133
2,827
2,430
1,150
156
1,108
5,871
68,090
154,634|**Restricted**
**Funds**
**£**
‐
‐
**_Restricted_**
**_Funds_**
**_£_**
_‐_
_‐_
**Influencing**
**Policy**
**& Practice**
**£**
14,977
2,735
‐
‐
‐
‐
‐
17,712
4,350
‐
465
‐
13
‐
‐
3,915
8,743
26,455|**2021**
**Total**
**£**
‐| |---|---|---|---| ||||‐| ||||**_2020_**
**_Total_**
**_£_**
_16,280_| ||||_16,280_| ||||**2021**
**Total**
**£**
546,670
38,204
11,679
8,821
50,383
147
426
1,828| ||||658,158| ||||178,771
19,033
27,216
2,430
3,443
1,077
3,324
32,619| ||||267,913| ||||| ||||926,071| 25 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**_2020 COMPARATIVE_**
**_Expenditure on Charitable Activities_**
**_Direct Costs_**
_Staff Costs_
_Premises Costs_
_Office Costs_
_Vehicle Costs_
_Service Supplies_
_Professional Fees_
_Bank Charges_
_Depreciation_
**_Support Costs (basis for allocation)_**
_Staff Costs (time)_
_Premises (space)_
_Office (usage)_
_Service Supplies_
_Professional Fees (usage)_
_Bank Charges (usage)_
_Depreciation (usage)_
_Governance costs_
**_Total Support Costs_**
**_Total Costs_**|**_Supporting_**
**_Independent_**
**_Living_**
**_£_**
_490,978_
_3,696_
_6,515_
_30,643_
_52,458_
_2,295_
_2_
_(271)_
_586,316_
_153,550_
_18,933_
_20,891_
_2,851_
_5,250_
_1,367_
_269_
_25,843_
_228,954_
_815,270_|**_Advice_**
**_Information_**
**_& Advocacy_**
**_£_**
_77,408_
_(511)_
_885_
_‐_
_1,284_
_‐_
_‐_
_1,405_
_80,471_
_48,266_
_6,640_
_9,621_
_‐_
_1,509_
_221_
_269_
_6,645_
_73,171_
_153,642_|**_Influencing_**
**_Policy_**
**_& Practice_**
**_£_**
_13,575_
_(914)_
_101_
_‐_
_719_
_‐_
_‐_
_(269)_
_13,212_
_15,053_
_3,356_
_3,752_
_‐_
_349_
_19_
_269_
_4,430_
_27,228_
_40,440_|**_2020_**
**_Total_**
**_£_**
_581,961_
_2,271_
_7,501_
_30,643_
_54,461_
_2,295_
_2_
_865_| |---|---|---|---|---| |||||_679,999_| |||||_216,869_
_28,929_
_34,264_
_2,851_
_7,108_
_1,607_
_807_
_36,918_| |||||_329,353_| |||||| |||||_1,009,352_| 26 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **7 Expenditure on Raising Funds** |**Direct Costs**
Staff Costs
Premises Costs
Office Costs
Service Supplies
Professional Fees
Bank charges
Depreciation (usage)
**Support Costs (basis for allocation)**
Staff Costs (time)
Premises (space)
Office (usage)
Service Supplies
Professional Fees (usage)
Bank charges (usage)
**Total Support Costs**
**Total Costs**|**Generating**
**Voluntary**
**Income**
**£**
‐
‐
‐
‐
‐
‐
‐
‐
‐
313
‐
‐
‐
‐
313
313|**Shop**
**Operating**
**Costs**
**£**
57,529
30,878
609
1,371
2,221
397
2,702
95,707
7,153
1,869
440
‐
441
91
9,994
105,701|**Fundraising**
**£**
9,688
(1,004)
‐
‐
‐
‐
‐
8,684
53
984
492
‐
158
16
1,703
10,387|**2021**
**Total**
**£**
67,217
29,874
609
1,371
2,221
397
2,702| |---|---|---|---|---| |||||104,391| |||||7,206
3,166
932
‐
599
107| |||||12,010| |||||| |||||116,401| 27 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## _**2020 COMPARATIVE**_ _**Expenditure on Raising Funds**_ |**_Direct Costs_**
_Staff Costs_
_Premises Costs_
_Office Costs_
_Vehicle Costs_
_Service Supplies_
_Professional Fees_
_Bank charges_
_Depreciation (usage)_
**_Support Costs (basis for allocation)_**
_Staff Costs (time)_
_Premises (space)_
_Office (usage)_
_Service Supplies_
_Professional Fees (usage)_
_Bank charges (usage)_
_Depreciation_
**_Total Support Costs_**
**_Total Costs_**|**_Generating_**
**_Voluntary_**
**_Income_**
**_£_**
_(135)_
_‐_
_135_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_306_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_306_
_306_|**_Shop_**
**_Operating_**
**_Costs_**
**_£_**
_43,200_
_16,131_
_1,007_
_‐_
_1,450_
_582_
_2,702_
_65,072_
_7,014_
_1,206_
_484_
_‐_
_566_
_128_
_‐_
_9,398_
_74,470_|**_Fundraising_**
**_£_**
_10,211_
_(448)_
_1,668_
_‐_
_(235)_
_48_
_19_
_‐_
_11,263_
_45_
_1,014_
_535_
_2,015_
_384_
_22_
_‐_
_4,015_
_15,278_|**_2020_**
**_Total_**
**_£_**
_53,276_
_15,683_
_2,810_
_‐_
_1,215_
_48_
_601_
_2,702_| |---|---|---|---|---| |||||_76,335_| |||||_7,365_
_2,220_
_1,019_
_2,015_
_950_
_150_
_‐_| |||||_13,719_| |||||| |||||_90,054_| ## **8 Support Costs** Some of the organisation's services operate from the main offices at 4 King Street, which is also the base for support staff. The costs relating to these offices are allocated as direct costs where they can be identified to a specific service area. Shared costs e.g. telephone, heat & light, insurance etc. are presented as Support Costs. Support Staff Costs include the Chief Executive and Finance & Business Support staff. Governance costs, included within support costs, include those costs associated with meeting the constitutional and statutory requirements of the Charity and include audit fees and costs linked to the strategic management of the Charity. 28 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**9a**|**Net income/expenditure for the year**||| |---|---|---|---| ||This is stated after charging:|**2021**|**2020**| |||**£**|**£**| ||Operating leases ‐ Land & Buildings|12,900|12,900| ||Operating leases ‐ Equipment|16,612|15,489| ||Depreciation|5,152|5,057| |**9b**|**Auditors' remuneration**||| ||Total resources expended includes Auditors' remuneration for audit services and other services. The amounts shown||| ||include non‐recoverable VAT.||| |**Audit services**
Charity|**2021**
**2020**
**£**
**£**
11,602
10,911
11,602
10,911| |---|---| ## **10 Tangible fixed assets** |**Leasehold**
**Improvements**
**£**
**Cost**
Balance at 1 April 2020
42,899
Additions
‐
Disposals
‐
Balance at 31 March 2021
42,899
**Depreciation**
Balance at 1 April 2020
37,496
Charge for the period
2,702
Disposals
‐
Balance at 31 March 2021
40,198
**Net book value**
31 March 2021
2,701
31 March 2020
5,403|**Equipment**
**£**
140,188
‐
‐
140,188
137,074
1,666
‐
138,740
1,448
3,114|**Motor**
**Vehicles**
**£**
31,350
‐
‐
31,350
28,212
784
‐
28,996
2,355
3,138|**Total**
**£**
214,437
‐
‐| |---|---|---|---| ||||214,437| ||||202,782
5,152
‐| ||||207,934| ||||6,503| ||||11,655| 29 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**11**
**Fixed Asset Investment**
Shares in AGE Uk Blackburn with
Darwen Trading Ltd ‐ at cost
**Cost and Net Book Value at 31 March 2021**
Investment in Joint Venture ‐ CIC ‐ at cost|**2021**
**£**
2
6
8|**2020**
**£**
2
6| |---|---|---| |||8| The Charity holds the whole of the issued share capital of Age UK Blackburn with Darwen Trading Ltd, a company registered in England and Wales. Its principal activity upto 22nd December 2017 was arranging insurance after which the company ceased to trade. The aggregate of assets, liabilities and reserves is: |Assets
Liabilities
Total reserves|**2021**
**£**
2
‐
2|**2020**
**£**
2| |---|---|---| |||2| The Charity hold 50% of the issued share capital of Age UK Greater Lancashire CIC, a company registered in England and Wales. Its principal activity is the delivery of contracts and services across the whole of the county of Lancashire |**12**
**Stocks**
Finished goods and goods for resale|**2021**
**2020**
**£**
**£**
265
333| |---|---| |**13**
**Debtors**
Grants receivable
Tax recoverable including VAT
Prepayments and accrued income|**2021**
**£**
14,257
‐
22,059
36,316|**2020**
**£**
45,820
3,006
20,634| |---|---|---| |||69,460| 30 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **14 Creditors: Amounts falling due within one year** |Taxation including VAT
Accruals
Deferred income|**2021**
**2020**
**£**
**£**
18,646
733
32,671
30,746
35,377
20,377
86,693
51,856| |---|---| |**15**|**Deferred income**|| |---|---|---| ||Deferred income comprises grants received in advance for expenditure to take place in the following accounting|| ||period.|| |||**Charity**| |||**£**| ||Balance at 1 April 2020|20,377| ||Amount released to incoming resources|(20,377)| ||Amount deferred in period|35,377| ||Balance at 31 March 2021|35,377| ## _**2020 COMPARATIVE**_ ## _**Deferred income**_ _Deferred income comprises grants received in advance for expenditure to take place in the following accounting period._ |_Balance at 1 April 2019_
_Amount released to incoming resources_
_Amount deferred in period_
_Balance at 31 March 2020_|**_Charity_**
**_£_**
_9,925_
_(9,925)_
_20,377_| |---|---| ||_20,377_| 31 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**16**
**Unrestricted funds**
**1 April**
**Incoming**
**2020**
**£**
**£**
**Designated funds**
155,152
‐
**Undesignated funds**
482,306
743,094
**Charity**
637,458
743,094
**Funds are designated for the following purposes**
**Name**
Business Continuity & Development
**Purpose**
**_2020_**
**_Unrestricted funds_**
**_1 April_**
**_Incoming_**
**_2019_**
**_£_**
**_£_**
**_Designated funds_**
_184,564_
_129_
**_Undesignated funds_**
_472,840_
_795,694_
**_Charity_**
_657,404_
_795,823_
To maintain essential core functions and services and support the
equipment|**Outgoing**
**£**
(5,829)
(699,439)
(705,268)
**_Outgoing_**
**_£_**
_(10,353)_
_(805,416)_
_(815,769)_
upgrade of IT|**Transfers**
**£**
30,000
(30,000)
‐
**31 March**
**2021**
**£**
179,323
**_Transfers_**
**_£_**
_(19,188)_
_19,188_
_‐_|**31 March**
**2021**
**£**
179,323
495,962| |---|---|---|---| ||||675,285| ||||**_31 March_**
**_2020_**
**_£_**
_155,152_
_482,306_| ||||_637,458_| 32 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**17**
**Restricted funds**
**1 April**
**2020**
**Description of Fund**
**£**
**ADVICE & INFORMATION**
Age UK
‐ E.ON Energy Solutions Limited
Benefits Take Up Programme
‐
‐ Later Life Goals
‐
Brian Mercer Charitable Trust
‐
Age UK Covid Appeal
‐
Donations
‐
The Henry Smith Charity
2,852
Other
‐
**SUPPORTING INDEPENDENT LIVING**
**Active Ageing**
Age UK
‐ Big Lottery Fund‐One Digital Project
988
‐ Get Active, Feel Great Project
1,336
‐ Think Digital
‐
‐NHSE Winter support Programme
‐
Other
24,389
**Social Inclusion**
Dept of Transport
‐
Lancashire Mind
‐
National Lottery Community Support Fun
‐
Clothworkers Foundation
‐
Sir Jules Thorn Charitable Trust (Ann
Rylands Small Donations)
‐
Santander Discovery Days
100
**Integrated Care**
Age UK
3,264
**AGE WELL PARTNERSHIP**
5,455
**OTHER**
Fixed Assets funded by grants &
donations
422
Donated facilities & equipment
‐
Other
54
**Restricted funds ‐ Charity**
**38,860**|**Incoming**
**£**
21,448
21,000
10,000
10,457
2,080
41,423
21,738
‐
‐
57,653
25,949
21,918
1,333
5,762
26,990
3,700
1,500
‐
‐
‐
‐
15,348
45,888
**334,187**|**Outgoing**
**£**
(21,448)
(21,000)
(10,000)
(10,457)
(2,080)
(42,560)
(21,738)
‐
‐
(56,730)
(24,029)
(22,362)
(1,333)
(5,762)
(26,055)
(3,700)
(1,500)
‐
‐
(5,455)
(361)
(15,348)
(45,289)
**(337,207)**|**Transfers**
**£**
‐
‐
‐
‐
‐
‐
‐
(988)
988
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
**‐**|**31 March**
**2021**
**£**
‐
‐
‐
‐
‐
1,715
‐
‐
1,336
1,911
1,921
23,945
‐
‐
935
‐
‐
100
‐
3,264
‐
‐
‐
‐
62
‐
653
‐| |---|---|---|---|---| |||||**35,843**| 33 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**_Restricted funds_**
**_1 April_**
**_2019_**
**_Description of Fund_**
**_£_**
_ADVICE & INFORMATION_
_Age UK_
_‐ E.ON Energy Solutions Limited_
_Benefits Take Up Programme_
_‐_
_‐ Later Life Goals_
_500_
_Brian Mercer Charitable Trust_
_‐_
_The Eric Wright Charitable Trust_
_‐_
_Donations_
_‐_
_The Henry Smith Charity_
_1,138_
_Other_
_SUPPORTING INDEPENDENT LIVING_
_Active Ageing_
_Age UK_
_‐ Big Lottery Fund‐One Digital Project_
_4,252_
_‐ Get Active, Feel Great Project_
_‐_
_‐ Think Digital_
_‐_
_ROSPA_
_630_
_Other_
_6,929_
_Social Inclusion_
_Befriending Scheme_
_Blackburn with Darwen Borough_
_Council ‐ Connected Healthy Communities_
_Co‐op Local Community Fund_
_80_
_Families, Health & Wellbeing_
_Consortium_
_1,835_
_Santander Discovery Days_
_‐_
_Integrated Care_
_Age UK_
_3,368_
_Blackburn with Darwen CCG &_
_14_
_AGE WELL PARTNERSHIP_
_13,633_
_OTHER_
_donations_
_785_
_Donated facilities & equipment_
_‐_
_Other_
_3,022_
_Restricted funds_
_36,186_
_‐_
_Council_
**_2020 COMPARATIVE_**|**_Incoming_**
**_£_**
_26,040_
_20,500_
_10,000_
_17,500_
_2,000_
_37,325_
_17,800_
_2,000_
_1,255_
_‐_
_71,310_
_‐_
_‐_
_250_
_62,839_
_‐_
_‐_
_‐_
_17,442_
_50_
_286,311_|**_Outgoing_**
**_£_**
_(26,040)_
_(21,000)_
_(10,000)_
_(17,500)_
_(2,000)_
_(35,611)_
_(21,064)_
_(665)_
_(1,255)_
_(630)_
_(53,850)_
_(80)_
_(1,835)_
_(150)_
_(62,943)_
_(14)_
_‐_
_(363)_
_(17,442)_
_(3,018)_
_(275,460)_|**_Transfers_**
**_£_**
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_|**_31 March_**
**_2020_**
**_£_**
_‐_
_‐_
_‐_
_‐_
_‐_
_2,852_
_988_
_1,336_
_‐_
_‐_
_24,389_
_‐_
_‐_
_‐_
_‐_
_100_
_3,264_
_‐_
_5,455_
_422_
_‐_
_54_| |---|---|---|---|---| |||||_38,860_| |||||| 34 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**18**
**Information regarding employees and trustees**
Average number of employees in the period
‐ Full time employees
‐ Part time employees
Average number of employees
The full time equivalent of the part time staff is
Staff costs comprise:
‐ Wages and salaries
‐ Social security costs
‐ Recruitment
‐ Pension contributions|**2021**
19
17
35
11.16
**£**
733,332
55,654
300
24,570
813,856|**2020**
22
18| |---|---|---| |||40| |||10.9
**£**
766,764
58,962
8,562
24,798| |||859,086| No employees had emoluments (excluding employer pension contributions) in excess of £60,000 (2020 : Nil). The charity purchased insurance costing £516 (2020: £517) to protect the Charity from loss arising from neglect or default of its Trustees and to indemnify the Trustees against the consequence of neglect or default on their part. Key management personnel of the Charity comprised the Trustees and the Chief Executive of the Charity. The total employee benefits of the key management personnel of the Charity were £54,921 (2020: £53,536) in addition employer pension contributions of £2,197(2020: £2,138) were paid in respect of their services. There was no remuneration or expenses paid to Trustees. ## **19 Pension costs** The charity operates a defined contribution pension scheme and makes contributions under auto‐enrolment requirements. The assets of the scheme are held separately from those of the charity in an independently administered fund. The pension cost charge represents the contributions payable by the charity to the fund. The charge for the year is £24,570. (2020 : £24,798) 35 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **20 Analysis of Group assets and liabilities between funds** |Tangible fixed assets
Current assets:
‐ Investment in joint venture
‐ Stocks
‐ Debtors
‐ Cash at bank and in hand
Creditors
Total|**Designated**
**Undesignated**
**Restricted**
**Funds**
**Funds**
**Funds**
**£**
**£**
**£**
1,209
5,294
‐
‐
8
‐
‐
265
‐
‐
36,315
‐
178,114
537,787
38,828
‐
(83,706)
(2,988)
179,324
495,963
35,843
**Unrestricted Funds**|**Total**
**£**
6,503
8
265
36,316
754,729
(86,693)| |---|---|---| |||711,127| ## _**2020 COMPARATIVE**_ _**Analysis of assets and liabilities between funds**_ |_Tangible fixed assets_
_Current assets:_
_‐ Investment in joint venture_
_‐ Stocks_
_‐ Debtors_
_‐ Cash at bank and in hand_
_Creditors_
_Total_|**_Designated_**
**_Undesignated_**
**_Restricted_**
**_Total_**
**_Funds_**
**_Funds_**
**_Funds_**
**_£_**
**_£_**
**_£_**
**_£_**
_3,112_
_8,543_
_11,655_
_‐_
_‐_
_8_
_‐_
_8_
_‐_
_333_
_‐_
_333_
_‐_
_49,473_
_19,987_
_69,460_
_152,040_
_451,635_
_43,043_
_646,718_
_‐_
_(27,686)_
_(24,170)_
_(51,856)_
_155,152_
_482,306_
_38,860_
_676,318_
**_Unrestricted Funds_**| |---|---| 36 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **21 Changes in resources available for charity use** |Net movement in funds for the period
Net decrease in tangible assets
Net movement in funds
available for future activities|**Designated**
**Undesignated**
**Restricted**
**Funds**
**Funds**
**Funds**
**£**
**£**
**£**
22,020
10,295
(2,656)
2,148
3,364
(361)
13,659
24,168
**Unrestricted Funds**
(3,018)|**Total**
**£**
29,657
5,152| |---|---|---| |||34,809| ## _**2020 COMPARATIVE**_ _**Changes in resources available for charity use**_ |_Net movement in funds for the period_
_Net decrease in tangible assets_
_Net movement in funds available for_
_future activities_|**_Designated_**
**_Undesignated_**
**_Funds_**
**_Funds_**
**_£_**
**_£_**
_(29,412)_
_9,466_
_6,634_
_(3,788)_
**_Unrestricted Funds_**
_5,678_
_(22,778)_|**_Restricted_**
**_Funds_**
**_£_**
_2,674_
_783_
_3,457_|**_Total_**
**_£_**
_(17,272)_
_3,629_| |---|---|---|---| ||||_(13,643)_| ## **22 Financial commitments and operating leases** At 31 March 2021 there were annual commitments under non‐cancellable operating leases as set out below: |Operating leases which expire:
Within one year
Within two to five years|**2021**
**2020**
**£**
**£**
17,753
17,753
3,800
29,600
21,553
47,353
**Land & Buildings**|**2021**
**2020**
**£**
**£**
14,269
15,489
25,903
30,041
40,172
45,530
**Other Assets**|**2021**
**2020**
**£**
**£**
14,269
15,489
25,903
30,041
40,172
45,530
**Other Assets**| |---|---|---|---| ||||45,530| ## **23 Related Party Transactions** There were donations, including gift aid, made by the Trustees of £1,040 (2020: £1,090) The Charity holds 50% of the issued share capital of Age UK Greater Lancashire CIC, a company registered in England & Wales. Its principal activity is the delivery of contracts and services across the whole of the county of Lancashire. The Charity received grant income of £3,227 (2020: £3,416) from the CIC in relation to the Age of Opportunity Programme to support over 50's to get back into employment. There were no other related party transactions during the current or previous year 37 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **24 Reconciliation of net income/(expenditure) to net cash flow from operating activities** |**Adjustments for:**
Depreciation charges
Bank interest
(Increase)/decrease in stocks
(Increase)/decrease in debtors
Increase/(decrease) in creditors
**Net cash provided by (used by) operating activities**
**25**
**Analysis of net funds**
**1 April**
**2020**
**£**
Cash at bank and in hand
646,718
**_Analysis of net funds_**
**_1 April_**
**_2019_**
**_£_**
_Cash at bank and in hand_
_677,261_
**26**
**Government Grants ‐ Charity & Group**
**Funder**
**Description/Nature**
Department of Transport
Day Services transport provision
Blackburn with Darwen Borough Council &
Blackburn with Darwen CCG
Delivery of integrated care provision
Her Majesty's Revenue and Customs
Coronavirus Job Retention Scheme
Blackburn with Darwen Borough Council
Covid Relief Grants
**2020 COMPARATIVE**
Net (expenditure)/income for the reporting period (as per the
statement of financial activities)|**Charity**
**2021**
**£**
34,809
5,152
(1,262)
68
33,144
34,838
106,749
**Cash Flow**
**£**
108,011
**_Cash Flow_**
**_£_**
_(30,543)_
**2021**
**£**
1,333
‐
17,441
19,669|**Charity**
**2020**
**£**
(17,272)
5,057
(1,388)
50
(12,599)
(4,351)| |---|---|---| |||(30,503)| |||**31 March**
**2021**
**£**
754,729
**_31 March_**
**_2020_**
**_£_**
_646,718_
**2020**
**£**
703
62,837
‐
‐| The Charity has also benefited from other forms of local government assistance including subsidised/rent‐free accommodation and non‐domestic rate relief There were no unfulfilled conditions or other contingencies attached to grants recognised in income 38 Appendix 1 ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF FINANCIAL ACTIVITIES** ## **COVERING THE YEAR ENDED 31 MARCH 2021** |**INCOME**
**Contracts & Service Level Agreements**
Blackburn with Darwen Borough Council
‐ E.ON Energy Solutions Limited ‐ Benefits
Families Health & Wellbeing Consortium ‐ IAG
**Grants**
Age UK
‐ Big Lottery Fund ‐ One Digital Project
‐ Brand Partner
‐ I & A Grant Fund ‐ Digital Inclusion
‐ Covid 19 Emergency Appeal
‐ Friends & Forums
‐ Get Active, Feel Great Project
‐ Later Life Goals
‐ Malnutrition Taskforce
‐ NHSE Winter Support Programme
‐ Think Digital
Active Lancashire Tackling Inequalities Fund
Age UK Greater Lancashire CIC
Big Lottery Fund Building Connections Fund
Blackburn with Darwen Borough Council Refunds
Brian Mercer Charitable Trust
Charities Aid Foundation Covid Survival Fund
Co‐op Community Fund
Clothworkers Foundation
Community Foundations Lancashire Covid 19 Commu
British Muslim Covid 19 Fund
Dept of Transport
Duchy Of Lancaster Fund
Jules and Hans Rausing Trust Charity Survival Fund
Lancashire Mind
Morrisons Partner Portal
National Lottery Community Fund
National Lottery Community Support Fund
One Digital Volunteers Event
Santander Discovery Days
Sir Jules Thorn Charitable Trust (Ann Rylands Small Do
Sport England
Swim England
Tesco Bags of Help
The Eric Wright Charitable Trust
The Henry Smith Charity
The Morrisons Foundation
WG Edwards Charitable Foundation
**Donations and fundraising**
Miscellaneous donations
Legacies
Donated facilities & equipment
Fundraising activities & events
Sale of goods
Gift Aid payment from subsidiary companies
**Service income**
Service charges
**Other income**
Bank and building society interest
Profit on sale of fixed assets
Insurance Claim
Coronavirus Job Retention Scheme
Other
**Total income**|**Unrestricted**
**Funds**
£
537,973
‐
‐|**Restricted**
**Funds**
£
‐
21,448
‐|**Total**
**Funds**
**31 March**
**2021**
**£**
537,973
21,448
‐|**Total**
**Funds**
**31 March**
**2020**
**£**
515,245
26,040
95,113| |---|---|---|---|---| ||537,973|21,448|559,421|636,398| ||‐
15,000
‐
27,277
750
‐
‐
‐
‐
‐
‐
3,227
‐
19,669
‐
‐
‐
‐
n
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
n
‐
‐
‐
‐
‐
‐
‐
‐|‐
‐
‐
10,457
‐
‐
21,000
500
25,949
57,653
2,825
‐
15,366
‐
10,000
17,335
2,387
3,700
4,841
250
1,333
500
44,101
5,762
‐
‐
26,990
‐
‐
1,500
300
‐
500
‐
41,423
‐
‐|‐
‐
15,000
‐
37,734
750
‐
21,000
500
25,949
57,653
2,825
3,227
15,366
19,669
10,000
17,335
2,387
3,700
4,841
250
1,333
500
44,101
5,762
‐
‐
26,990
‐
‐
1,500
300
‐
500
‐
41,423
‐
‐|17,800
15,000
1,255
‐
750
2,000
20,500
‐
‐
‐
‐
3,416
35,798
‐
10,000
‐
‐
‐
‐
‐
703
‐
‐
‐
1,000
996
‐
500
250
‐
‐
2,465
‐
17,500
37,325
14,780
1,500| ||65,924|294,672|360,595|183,538| ||14,731
5,165
‐
9,369
17,406|2,719
‐
15,348
‐
‐
‐|17,449
5,165
15,348
9,369
17,406
‐|44,164
30,430
17,442
6,375
66,338
134| ||46,670|18,067|64,737|164,883| ||36,581|‐|36,581|89,687| ||36,581|‐|36,581|89,687| ||1,262
37,243
17,441
‐|‐
‐
‐
‐
‐|1,262
‐
37,243
17,441
‐|1,388
‐
‐
6,240| ||55,947|‐|55,947|7,628| |||||| ||743,094|334,187|1,077,281|1,082,134| 39 Appendix 2 ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF FINANCIAL ACTIVITIES** ## **COVERING THE YEAR ENDED 31 MARCH 2021** |**EXPENDITURE**
Wages, salaries and staff recruitment
Rent, rates & insurance
Heat and light
Repairs, renewals & alterations
Printing, stationery & office expenses
Post & telephone
Travel
Service supplies
Volunteers expenses
Advertising, promotion & events
Training & conferences
Vehicle expenditure
Audit fee
Subscriptions, Consultancy and other
Professional fees
Bank charges
Provision for depreciation
Fees to Voluntary Organisations
**Total expenditure**
Surplus /(Deficit) of income over expenditure
for the year transferred to balance sheet|**Unrestricted**
**Funds**
**£**
546,946
41,932
5,294
23,114
15,876
9,842
174
26,889
612
5,826
6,133
8,527
8,386
1,608
4,108
705,267
37,827|**Restricted**
**Funds**
**£**
266,910
4,102
1,527
7,704
13,205
8,581
1,044
17,067
421
513
1,020
2,702
3,073
1,253
504
1,044
6,534
337,205
(3,018)|**Total**
**Funds**
**31 March**
**2021**
**£**
813,856
46,034
6,821
30,818
29,080
18,423
1,219
43,955
1,033
513
6,846
8,835
11,601
‐
9,639
2,113
5,152
6,534
1,042,472
34,809|**Total**
**Funds**
**31 March**
**2020**
**£**
848,801
38,681
6,613
6,692
34,470
19,746
10,550
47,113
5,708
835
4,830
30,643
10,910
11,477
2,435
5,057
14,845| |---|---|---|---|---| |||||1,099,406| |||||(17,272)| 40 Registered charity no 1143809 Registered company no 7728630 ## **AGE UK BLACKBURN WITH DARWEN** |**CONTENTS**|| |---|---| ||Pages| |Directors' Report|1 ‐ 10| |Independent Auditors' Report|11‐14| |Statement of Financial Activities|15| |(including income and expenditure account)|| |Charity Balance Sheets|16| |Statement of Cash Flows|17| |Notes|18‐38| |Appendix|39‐40| ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ The Directors, who are also Trustees of the Charity, present their report and financial statements for the year ended 31 March 2021. The principal activity of Age UK Blackburn with Darwen is the promotion of the wellbeing of older people in any manner which is now or hereafter may be deemed charitable by law, in and around the Borough of Blackburn with Darwen The principal activity of Age UK Blackburn with Darwen Trading Ltd was the earning of commission from arranging insurance. There has been no activity or income during the current or prior year and the company is currently dormant. The financial year 2020/21 has been a challenging one due to the Covid-19 pandemic and the resultant lockdowns and restrictions and the severe impact of this on older people and consequential increase in demand for support from the organisation. This required a change to our operating models with many staff working primarily from home and the delivery of much of our service provision by telephone and digital means; along with the rapid development of a new Covid Wellbeing support service. Some face to face provision has been operational since July 2020 and we are now gradually resuming all other provision in line with Government guidelines. Financially the pandemic generated a significant amount of uncertainty during the year. Our income from fundraising activity, our shop and service income was significantly reduced by our inability to deliver face to face activity for long periods during the year. However, we have been fortunate to successfully secure an increased amount of grant income from both Covid specific and general funding programmes from a range of funders. We are also grateful to our commissioners who maintained the level of contract income whilst allowing flexibility for our service offer. ## **FINANCIAL REVIEW** In the year to 31 March 2021 the Charity reported a surplus of £34,809 from an income of £1,077,281. This was made up of a deficit of £3,018 on restricted funds (funds which are to be used for specified purposes as laid down by the donor/funder) due to the agreed spending of funds received in prior years, and a surplus of £37,827 on unrestricted funds (income received or generated and available for general use) The surplus on unrestricted funds is made up of both funds which the trustees have designated for a particular purpose and undesignated general funds. In the year £5,829 of designated funds were spent on supporting service continuity. The Trustees have also agreed to designate further £30,000 of unrestricted funds to support the continued upgrade of the organisation’s IT and digital infrastructure. The appendices on pages 39 and 40 show the Charity’s income and expenditure for the 2020/2021 financial year together with the 2019/2020 comparative figures. Whilst these appendices do not form part of the accounts the Trustees feel that the inclusion of this information provides readers of the Annual Report with a clearer financial picture. 1 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ 52% of the organisation’s annual income came from contract income including service contracts with Blackburn with Darwen Borough Council and from E.ON through national Age UK. 35% of the organisation’s annual income came from grants from a variety of sources, which is a 10% increase on the previous year. 9% of our annual income came from a combination of fundraising activities including charity shop sales, donations and legacies, service income, investment income, and contributions to costs which is a 15% decrease on the previous year. The remainder of the income came from an insurance claim due to the shop flooding. During the financial year the organisation received a total of £37,963 from donations and legacy income which was a decrease on the previous year. This income was made up of unrestricted cash donations amounting to £14,731, unrestricted legacy income of £5,165 and £18,067 in restricted donations of which £15,348 represented the value of donated facilities and equipment. Income from these sources supports the delivery of the range of services and activities that the charity provides along with essential core functions. We saw a reduction in expenditure compared to 2019/20. In particular, expenditure on wages and salaries was reduced through reduced hours for some roles, limited recruitment, and utilisation of the Government Job Retention Scheme. Expenditure on staff travel, volunteer expenses and vehicle costs were all reduced due to the change in operating models in response to the Covid pandemic. Increased expenditure on rent and rates relates to the delivery of the new day care service model and is funded through that contract and the increase in repairs and renewals costs relate to repair work at our Darwen shop following a significant leak in March 2020, the majority of which were reimbursed via insurance claims. ## **Investment Policy** The charity retains investments in short or medium term low risk, easily redeemable investments in the form of bank deposits because of the uncertainty in its business sector. ## **Reserves Policy** This sets out Age UK Blackburn with Darwen’s policy and process around setting and maintaining a financial reserve to support the charity to meet its objects. ## **Context and rationale** The funding environment for local charities was already challenging and has been further exacerbated by the pandemic and its ongoing effects in all areas of income generation. Challenges with the level of public sector funds and changes to commissioning models along with increased competition for grant funding mean external funding is increasingly uncertain; and we are forecasting only a gradual return to income levels from service and shop takings 2 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ and fundraising activity during 2021/22 which could still be further impacted by any future restrictions. As such it is likely that some reserves will need to be utilised to ensure we can continue to meet the needs of older people locally during 2021/22 and beyond. ## **Policy** Based on this context and rationale the Trustees of Age UK Blackburn with Darwen have agreed the following Reserves Policy: - that either 6 months unrestricted running costs or 3 months running costs plus the cost of all liabilities, whichever is the greater, will be maintained as reserves. This is to allow the organisation to either wind up properly or restructure and secure additional funding, whichever is the most appropriate course of action at the time - Any additional reserves may be utilised for: - business continuity and development and to maintain essential core functions and services - Designated purposes to be decided on a case by case basis by the Trustees This policy is reviewed annually alongside the organisation’s business planning, budget setting and risk assessment processes. ## **Reserves & Financial Position** Total reserves at 31[st] March 2021 amounted to £711,127 including restricted and designated funds. At that date the organisation held unrestricted, undesignated funds of £495,962 this figure includes tangible fixed assets of £5,294. Designated funds at 31[st] March 2021 amounted to £179,323 including tangible fixed assets of £61. These funds are designated for business continuity and development and to maintain essential core functions and services together with the upgrade of IT equipment and will potentially be spent over the next three years. The balance on unrestricted, undesignated funds reflects the organisation’s Reserves Policy to maintain sufficient funds to either wind up properly or restructure and secure additional funding, whichever is the most appropriate course of action at the time. A significant proportion of the organisation’s current unrestricted assets are the result of selling a building and as such the Trustees are aware that once spent these assets will not be replenished. The Trustees reviewed the Reserves Policy in May 2021 and it was decided that no changes were needed. Restricted funds at 31[st] March 2021 amounted £35,840. Details on the movement on restricted funds can be found in the notes to the accounts. Based on the organisation’s level of cash reserves, the grants and contracts in place and the additional grant income brought in to date in 2021/22 we consider the organisation will remain a going concern for a period of at least 12 months from the signing of the financial statements. 3 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ ## **Related Party Transactions** The Charity holds 50% of the issued share capital of Age UK Greater Lancashire CIC, a company registered in England and Wales. Its principal activity is the delivery of contracts and services across the whole of the county of Lancashire. The Charity received grant income of £3,227 (2020: £3,416) from the CIC in relation to the Age of Opportunity Programme to support over 50’s to get back into employment. There were donations, including gift aid, made by Trustees of £1,040 (2019: £1,090) ## **Plans for Future Periods** The Trustees are extremely conscious that we continue to operate in uncertain and challenging times, and that the organisation is starting the 2021/22 financial year with a deficit budget. However, the organisation has a full business plan in place which it intends to deliver against. This includes plans to reduce this deficit. The organisation’s key priorities within this plan for the coming year are: - Developing and delivering quality person centred services to continue to meet the needs of older people, including a specific focus on support to recover from the impacts of the pandemic - Securing additional funding from a range of sources, particularly grant funding, to maintain and develop our service offer and to support sustainable service models - Continued income diversification - Continued development of our workforce, both paid and voluntary to meet current and future needs, and a focus on workforce wellbeing in response to the impacts of the pandemic 4 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ **----- Start of picture text -----**
Where our income came from: Total Income: £ 1,077,281
**----- End of picture text -----**
**----- Start of picture text -----**
Charitable Activities 87.9% Donations & Legacies 3.5% Trading Activities 5%
Investments 0.1% Other 3.5%
**----- End of picture text -----**
**How we spent our income: Total Expenditure: £1,042,472** **----- Start of picture text -----**
Supporting Indepentent Living 71.5% Advice, Information and Advocacy 14.8%
Influencing Policy and Practice 2.5% Raising Funds 11.2%
**----- End of picture text -----**
## **Our Approach to Fundraising** 5 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ The charity has a fundraising strategy framework in place which has been agreed by the Board of Trustees. This framework applies to all fundraising activities that the charity undertakes and any relationships/partnerships that the charity works with and who fundraise for us. Fundraising covers all of the income generation activities undertaken by the charity including individual donations but excluding non-charitable trading, shops, contracts for services and service income. Fundraising activity includes receiving donations from trusts, companies, educational establishments and individuals and a range of community fundraising such as store collections, street collections, raffles, sponsored events and other events. We do not currently fundraise by telephone, by cold mailing or by signing people up as donors on the street. In line with Charity Commission guidance we have the following practices in place: Planning - the charity prepares an annual fundraising income plan and organisational risk register for sign off by the Board of Trustees. The Income Plan includes the activities to be undertaken in that year, expected costs and projected income and the risk register includes any potential income, reputational or other risks in relation to fundraising activities along with mitigating controls. Both are monitored by management and trustees on at least a bi-annual basis. Delivery - all fundraisers receive an appropriate induction which will include role specific guidance on the Fundraising Regulator’s code of practice in fundraising, and the Institute of Fundraising Guidance. All volunteer fundraisers are supported by a member of paid staff. In addition, to ensure we protect vulnerable people we have a range of other policies in place including Safeguarding of Vulnerable Adults policy and procedures, vulnerable donors guidance and financial procedures which all fundraisers receive and must adhere to. The requirements and expectations of all donors will be respected including those who wish to remain anonymous and those who wish to restrict their donation to a particular project or service. All data collected in relation to fundraising activities and donors will be processed in line with current data protection legislation. Finance - comprehensive financial information and reports are kept of all fundraising activities and presented to trustees at least quarterly. Restricted donations are used for the purpose specified and identified in the accounts, in line with SORP requirements. All events are fully costed and risked assessed by the charity senior management team prior to agreement to go ahead and implementation. Corporate Partners – the charity does not use professional fundraisers or commercial participator arrangements. It does however, from time to time enter into partnerships with businesses who will fundraise for us, for example ‘Charity of the Year’ partnerships. Prior to entering into any such arrangements the charity will assess the relationship through a due diligence risk checklist which will assess reputational risk, expected value, benefits and financial integrity. Decisions about proceeding with higher scoring partners will be made by trustees. 6 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT** ## **FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ Regulation - the charity is registered with the Fundraising Regulator and its operations, staff and volunteers are bound by the code of fundraising practice and other regulations. In addition, all national and local licensing/permission procedures are obtained prior to any fundraising activity taking place. During 2020/21 we received no complaints with regard to fundraising activity. ## **Public Benefit** The Trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on Public Benefit when reviewing the charity’s aims and objectives and in planning its future activities, which is an annual process. ## **Governance and Internal Control** The Board of Directors of Age UK Blackburn with Darwen (who are also Trustees of the Charity) is the body responsible for the governance of the organisation. The organisation is governed by Articles of Association which were reviewed and updated in 2019. The charity has also carried out a review against the updated 2020 version of the Charity Governance Code to ensure that it is meeting best practice. The Board is made up of at least five members. The Chief Executive acts as Secretary to the organisation. The list of Directors/Trustees can be found on page 8 of this report. Elections for Board members take place at the Annual General Meeting at least once every three years. All Board members are eligible for re-election. Nominations to the Board of Trustees maybe made by the Board itself or the organisation may also seek to recruit Trustees by word of mouth or through advertisements. The Board meets not less than six times per year and receives reports at each meeting from the Chief Executive and Finance Manager, along with a schedule of reports from all areas of the organisation presented by the relevant manager. The senior management team can advise and make recommendations but cannot to vote on decisions of the Board. All new Trustees receive an induction which is tailored to the specific needs of the individual and includes a copy of the organisation’s Business Plan, a full set of organisational Policies and Procedures and any relevant past Board papers. Relevant on-going training is available to all Trustees. ## **Trustees Responsibilities** The Trustees have overall responsibility for ensuring that the charity has appropriate systems of internal controls in place across the organisation. The systems of internal control are designed to provide reasonable, but not absolute, assurance against material misstatement or loss. Internal control processes include: - Regular consideration by the Trustees of financial results, variances from budgets, forecasts and performance indicators - Delegation of authority and segregation of duties - Identification and management of risk - Written financial procedures which are subject to regular review. 7 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ - Both planned and unannounced checks in all service areas. - Annual discussion between the Trustees and auditor without management being present - External review of financial controls every 3 years which most recently took place in 2019 - The commissioning of external financial oversight on behalf of the Trustees ## **Risk Management** The Trustees have responsibility for a managed approach to risk management and have a Risk Management Policy in place. The organisation’s risk register is based on Charity Commission guidance, considering likelihood of occurrence, potential impact and the controls in place to mitigate risk, together with the need for further action where necessary. The current risk register reflects that the primary risks facing the organisation are financial, however the ongoing impact and uncertainty created by the Covid pandemic, the loss of key personnel, the changing commissioning landscape to cover larger delivery areas and increased demand for services are also risks that must be actively managed, along with being able to respond to changes to Government policy. In terms of financial risk the current primary risks are associated with the ongoing impact of the Covid pandemic, the day care transformation programme, and funding the Advice & Information service and essential core costs. In the longer term the organisation is operating in an environment where local contract opportunities are reducing and the need to diversify income sources is paramount, and a key part of organisational strategy. A funding action plan is in place and this, along with the regular Quality & Risk planning meetings, form part of the approach to risk management. The risk register is reviewed by management at least quarterly and by the trustees at least every six months or in response to a significant change or event. ## **Key Management Personnel** Key personnel are those responsible for making key strategic decisions or influencing those decisions. The Directors consider that the Board of Directors, who are also the Charity’s Trustees, and the Chief Executive comprise the key management personnel of the Charity. All directors give of their time freely and no director received remuneration in the year. The pay of the key management personnel is reviewed annually by the Board prior to agreeing the new year budget and taking into account the local context and organisation’s strategy and business plan. In 2020/21 the total employee benefits of key management personnel of the Charity were £57,118 including employer pension contribution. |**Officers and Directors/Trustees of Age UK Blackburn with Darwen 2020/21**|**Officers and Directors/Trustees of Age UK Blackburn with Darwen 2020/21**| |---|---| |Chairman|Anthony Hedley| |Vice Chairman|John Thomas| |Trustees|Judith Isherwood| ||Faith Marriott (appointed 10thFebruary 2021)| ||Faizal Patel| ||Christopher Porter| ||Peter Watkins| 8 **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** W Ian Woolley (resigned 21st July 2021) Local authority representative Cllr Mustafa Desai Local authority representative Senior Management Team Chief Executive: Vicky Shepherd Head of Business Development: Elaine Jennings Head of Prevention & Wellbeing: Sharon Lucas Finance Manager: Tina Wilson ## Auditors A resolution proposing that Beever and Struthers be re-appointed as auditors of the charity will be put at the annual general meeting. ## Trustees Annual Review The directors’ report and financial statements for the year ended 31 March 2021 are to be read along with the organisation’s Annual Review which has been prepared in a separate document and presents a detailed review of activities undertaken in the year, along with other information. ## **Statement of Directors’ Responsibilities** The Trustees (who are also directors of Age UK Blackburn with Darwen for the purpose 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 Charity and the group and of the incoming resources and application of resources, including the income and expenditure, of the charitable group for that period. In preparing those financial statements, the Trustees are required to; - select suitable accounting policies and then apply them consistently; - observe the methods and principles in the Charities SORP; - make judgements and estimates that are reasonable and prudent; - state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements, and; - prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charitable company will continue in business 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 the group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. 9 ## **AGE UK BLACKBURN WITH DARWEN** ## **DIRECTORS’ REPORT FOR THE YEAR ENDED 31 MARCH 2021** ________________________________________________________________________________ The Trustees are responsible for the maintenance and integrity of the corporate and financial information included on the charitable company’s website. Legislation in the United Kingdom governing the preparation and dissemination of the financial statements may differ from the legislation in other jurisdictions. ## **Statement of disclosure to auditors** So far as the directors are aware, there is no relevant audit information of which the company’s auditors are unaware. Additionally, the directors have taken all the necessary steps that they ought to have taken as directors in order to make themselves aware of all relevant audit information and to establish that the company’s auditors are aware of that information. This report has been prepared in accordance with the special provisions relating to small companies within Part 15 of the Companies Act 2006. On behalf of the Board ## **Anthony Hedley Trustee** ## **22[nd] September 2021** 10 ## ����������������������������� ## ���������������������������������������������������������������� ���������������������������������������������������������� ��������������������������������������������������������������������������������� ## �������� ���������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������� ����������������������������� ������������������������������������������ - ���������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ������������ - ������������������������������������������������������������������������������������������������������ ���� - ���������������������������������������������������������������������������������� ## ������������������ ������������������������������������������������������������������������������������������������������������ ����������������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������������ ���������������������������������������������������������������������������������������������������������� ��������������������������������� ## �������������������������������������� ������������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ������� ����������������������������������������������������������������������������������������������������������������� ��������������������������������� ## ����������������� �������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������� ��� ## ����������������������������� ## ���������������������������������������������������������������� ���������������������������������������������������������� ��������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������������ ���������������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������� �������������������������������������������������� ������������������������������������������ ## �������������������������������������������������������������� ������������������������������������������������������������������������� - ����������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������� ���������������������������������������������� - �������������������������������������������������������������������������������������������������� ������������������������������� ## ������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������������� ���������������������� ������������������������������������������������������������������������������������������������������������ ������������������������ - ��������������������������������������������������������������������������������������������������������� ������������������������������������ - ������������������������������������������������������������������������������������������ - �������������������������������������������������������������������������������� - ����������������������������������������������������������������������������������� ## ������������������������������ ������������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������ ������������������������������������������������������������������������������������������������������������������ ��������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������������ ��� ## ����������������������������� ## ���������������������������������������������������������������� ���������������������������������������������������������� ��������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������� ## ��������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� �������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������ ������������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ����������������������������������� ����������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������� ������������������������������� ����������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ������������������������������������������������������������������������������������������������������������� ���������������������������������������������������������������������������������������������������������� ������������������������������������������������������������ ��������������������������������������������������������������������������������������������������������� ���������������������������������������������������� ������������������������������������������������������������������������������ ����������������������������������������������������������������������������������������������������������� ��������������������������������������������� �������������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ��������������������� �������������������������������������������������������������������������������������������������������������������� �������������������������������� ����������������������������������������������������������������������������� ������������������ ��� ## ����������������������������� ## ���������������������������������������������������������������� ���������������������������������������������������������� ��������������������������������������������������������������������������������� ## ����������������� ����������������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������� ����������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������������� ��������������������������������������������������������������������������������������������������������� ������������������������������������������������� ## ��������������������������������������� ������������������������������������������ ��������������������������������������������� ��������� ������������ ������������ ������������������������� ���������� �������� ������������������������ ��� ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING THE INCOME & EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31 MARCH 2021** |**Note**
**INCOME FROM:**
**_Donations & legacies_**
2
**_Other trading activities_**
Shop income
Fundraising activities
Reimbursed costs
**_Income from investments_**
Interest on short term deposits
**_Charitable activities_**
Supporting Independent Living
3
Advice, Information & Advocacy
4
Influencing Policy & Practice
5
**_Other income_**
Other income
**Total income**
**EXPENDITURE ON:**
**_Raising funds_**
7
Cost of generating voluntary income
Shop operating costs
Fundraising
**_Charitable activities_**
6
Supporting Independent Living
Advice, Information & Advocacy
Influencing Policy & Practice
**Total expenditure**
**Net (expenditure)/income**
9a
**Transfers between funds**
16,17
**Net movement in funds**
**Reconciliation of funds**
Total funds brought forward
16,17
**Total funds carried forward**
16,17|**Unrestricted**
**Funds**
**£**
19,896
17,406
9,369
27,460
1,262
626,151
4,307
‐
37,243
743,094
313
105,701
10,387
546,902
23,080
18,884
705,267
37,827
‐
37,827
637,458
675,285|**Restricted**
**Funds**
**£**
18,067
‐
‐
‐
‐
190,054
126,066
‐
334,187
‐
‐
‐
198,080
131,554
7,571
337,205
(3,018)
‐
(3,018)
38,860
35,843|**2021**
**Total**
**£**
37,963
17,406
9,369
27,460
1,262
816,205
130,373
‐
37,243
1,077,281
313
105,701
10,387
744,982
154,634
26,455
1,042,472
34,809
‐
34,809
676,318
711,127|**2020**
**Total**
**£**
92,035
66,338
6,375
‐
1,388
769,939
123,404
16,280
6,375| |---|---|---|---|---| |||||1,082,134| |||||306
74,470
15,278
815,270
153,642
40,440| |||||1,099,406| |||||(17,272)
‐| |||||(17,272)
693,590| |||||676,318| All incoming resources and resources expended derive from continuing activities The notes on pages 18 to 38 form part of these accounts 15 ## **AGE UK BLACKBURN WITH DARWEN** ## **BALANCE SHEET** ## **AS AT 31 MARCH 2021** |**Note**
**Fixed Assets**
Tangible fixed assets
10
Investments
11
**Current Assets**
Stocks
12
Debtors
13
Cash at bank and in hand
**Creditors**
14
**Net Current Assets**
**Net Assets**
**Capital and Reserves**
Unrestricted funds
‐ General funds
16
‐ Designated funds
16
Restricted funds
17
Amounts falling due within one year|**Charity**
**2021**
**£**
6,503
8
6,511
265
36,316
754,729
791,310
(86,693)
704,616
711,127
495,962
179,323
675,285
35,842
711,127|**Charity**
**2020**
**£**
11,655
8| |---|---|---| |||11,663| |||333
69,460
646,718| |||716,511
(51,856)| |||664,655| |||676,318| |||482,306
155,152| |||637,458
38,860| |||676,318| Approved by the trustees on 22nd September 2021 and signed on their behalf by: A Hedley Chairman Company Number 7728630 The notes on pages 18 to 38 form part of these accounts 16 ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF CASH FLOWS AS AT 31 MARCH 2021** |**Note**
**Cash flows from operating activities:**
Net cash used by operating activities
24
**Cash flows from investing activities:**
Interest income
Purchase of tangible fixed assets
**Net cash provided by /(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**
25|**Charity**
**2021**
**£**
106,749
1,262
‐
1,262
108,011
646,718
754,729|**Charity**
**2020**
**£**
(30,503)
1,388
(1,428)
(40)
(30,543)
677,261| |---|---|---| |||646,718| 17 **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **1 Principal accounting policies** ## **Basis of accounting** These financial statements have been prepared in accordance with the 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 January 2019) ‐ Charities SORP (FRS 102), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006. The financial statements are prepared in sterling which is the functional currency of the entity. Age UK Blackburn with Darwen meets the definition of a public 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. The following exemptions available under FRS102 in respect of certain disclosures for the parent company financial statements have been applied. ‐ key management personnel compensation ‐ cashflow statement ## **Basis of Consolidation** The Charity has one subsidiary company. However, as this subsidiary is not considered to be material to the group the results of the subsidiary undertaking has been excluded from these consolidated accounts. See note 11 to the financial statements. The consolidated accounts, comprise of the accounts of the parent charitable company. ## **Investments in Joint Ventures** Investments in joint ventures are accounted for under the equity method of accounting, with the Group's share of net income or net expenditure being recognised in the Statement of Financial Activities and the net carrying amount shown on the balance sheet. ## **Investments** Fixed asset investments are stated at cost less any provision for impairment. ## **Income** Income is recognised when the charity has entitlement to the funds, any performance conditions attached to the item(s) of income have been met, it is probable the income will be received and the amount can be measured reliably. ## **Gifts in kind and intangible income** Equipment and other items are included in the financial statements at estimated market value of the item donated at the time of receipt. Rent‐free accommodation and Non‐Domestic Rate Relief on properties used by Age UK Blackburn with Darwen have been included in the financial statements at the estimated market value of the services donated. Items donated for resale are included in shop income when sold and no value is placed on stock at the year end. The value of services from volunteers has not been included in the financial statements. ## **Grants** Income from government and other grants, whether 'capital' grants or 'reserve' grants is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received and the amount can be measured reliably and not deferred. 18 **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **1 Principal accounting policies (continued)** ## **Donations and legacies, and other forms of voluntary income** Donations and legacies and other forms of voluntary income are recognised in full in the Statements of Financial Activities when the receipt of income is considered probable and the amount receivable can be measured with sufficient reliability. Resources expended are recognised in the period in which they are incurred. Resources expended include attributable VAT which cannot be recovered. Costs of raising funds comprise the costs associated with attracting voluntary income and the costs of trading for fundraising purposes including the charity's shop. Charitable expenditure comprises those costs incurred by the Charity in the delivery of its activities and services for its beneficiaries. It includes both costs than can be allocated directly to such activities and those costs of an indirect nature necessary to support them. All costs are allocated between the expenditure categories of the Statements of Financial Activities on a basis designed to reflect the use of the resource. Support costs are apportioned on an appropriate basis e.g. time spent, floor areas, or estimated usage. Staff costs are allocated to activities on the basis of staff time spent on those activities ## **Restricted Funds** Restricted funds are to be used for specified purposes as laid down by the donor or funder. Expenditure which meets these criteria is identified to the fund, together with a fair allocation of support costs. ## **Unrestricted funds** Unrestricted funds represent income received or generated for the objects of the Charity without further specified purpose and are available as general funds. ## **Designated funds** Designated funds are unrestricted funds earmarked by the Trustees for particular purposes. ## **Depreciation** Fixed assets (excluding investments) are stated at cost less accumulated depreciation. The costs of minor additions or those costing below £1,000 are not capitalised. Depreciation of fixed assets is charged by annual instalments commencing with the year of acquisition at rates estimated to write off their cost less any residual value over the expected useful lives, which are as follows: Leasehold Improvements 10.62% ‐ 25% Straight‐line method over period of lease Equipment 15% ‐ 25% Straight‐line method Computers 33.3% Straight‐line method Motor vehicles 25% Reducing balance method ## **Stocks** Stocks are valued at the lower of cost and net realisable value. Donated items of stock have not been included in the stock balance as, after careful consideration the Trustees' view is that the cost of obtaining this information is impractical and exceeds the benefits it will provide. 19 **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **1 Principal accounting policies (continued)** ## **Resources expended** ## **Operating leases** Leases in which the entity assumes substantially all the risks and rewards of ownership of the leased asset are classified as finance leases. All other leases are classified as operating leases. Rentals paid under operating leases are charged to income as incurred. ## **Pensions** The Charity operates a defined contribution pension scheme and makes contributions under auto‐enrolment requirements. Contributions payable for the year are charged in the Statements of Financial Activities. ## **Financial instruments** The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value. ## **Taxation** The Charity is exempt from tax on income and gains falling within section 505 of the Taxes Act 1988 or section 252 of the Taxation of Chargeable Gains Act 1992 to the extent that these are applied to its charitable activities. ## **Judgements and Key Sources of Estimation Uncertainty** The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. In the opinion of the directors there are no critical accounting judgements and key sources of estimation and uncertainty that require further disclosure, which are not explained elsewhere in the accounting policies. ## **Legal status of the Charity** The Charity is a company limited by guarantee and has no share capital. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £1 per member of the charity. 20 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**2**
**Donations and legacies**
Unrestricted Donations and legacies
for the general use of the Charity
Restricted donations
‐ Supporting Independent Living
‐ Advice, Information & Advocacy
‐ Donated facilities and equipment
including rate relief
**_2020 COMPARATIVE_**
**_Donations and legacies_**
_Unrestricted donations and legacies_
_for the general use of the Charity_
_Restricted donations_
_‐ Supporting Independent Living_
_‐ Advice, Information & Advocacy_
_‐ Donated facilities and equipment_
_including rate relief_|**Unrestricted**
**Funds**
**£**
19,896
‐
‐
19,896
**_Unrestricted_**
**_Funds_**
**_£_**
60,596
‐
‐
‐
_60,596_|**Restricted**
**Funds**
**£**
‐
639
2,080
15,348
18,067
**_Restricted_**
**_Funds_**
**_£_**
‐
‐
_200_
_13,797_
‐
_17,442_
_31,439_|**2021**
**Total**
**£**
19,896
639
2,080
15,348| |---|---|---|---| ||||37,963| ||||**_2020_**
**_Total_**
**_£_**
_60,596_
_200_
_13,797_
_17,442_| ||||_92,035_| 21 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**3**
**Supporting Independent Living**
Contracts and Service Level Agreements:
Blackburn with Darwen Borough Council
Grants:
Age UK
‐ Brand Partner
‐Covid 19 Emergency Appeal
‐ Friends & Forums
‐ Think Digital
‐ Malnutrition Taskforce
‐ NHSE Winter Support Programme
Active Lancashire Tackling
Inequalities Fund
Big Lottery Fund Building
Connections Fund
Clothworkers Foundation
Co‐op Community Fund
Community Foundations
Lancashire Covid 19 Community
Support Fund
British Muslim Covid 19 Fund
Duchy of Lancaster Fund
Furlough Grant
Dept of Transport
Julia And Hans Rausing Trust
Charity Survival Fund
National Lottery Community support Fund
Sir Jules Thorn Charitable
Trust(Ann Rylands small
donations scheme)
Sport England
Tesco Bags of Help
Lancashire Mind
Service Income|**Unrestricted**
**Funds**
**£**
537,973
15,000
27,277
750
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
9,650
‐
‐
‐
‐
‐
‐
‐
35,501
626,151|**Restricted**
**Funds**
**£**
‐
‐
‐
‐
57,653
500
25,949
2,825
15,366
3,700
2,387
438
250
500
‐
1,333
44,101
26,990
1,500
300
500
5,762
‐
190,054|**2021**
**Total**
**£**
537,973
15,000
27,277
750
57,653
500
25,949
2,825
15,366
3,700
2,387
438
250
500
9,650
1,333
44,101
26,990
1,500
300
500
5,762
35,501| |---|---|---|---| ||||816,205| 22 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**_2020 COMPARATIVE_**
**_Supporting Independent Living_**
_Contracts and Service Level Agreements:_
_Blackburn with Darwen Borough Council_
_Families Health & Wellbeing Consortium ‐ IAG_
_Grants:_
_Age UK_
_‐ Big Lottery Fund‐One Digital Project_
_‐ Get Active, Feel Great Project_
_‐ Brand Partner_
_‐ Big Lottery Fund Stepping Stones_
_‐ Think Digital_
_Blackburn with Darwen Borough Council &_
_Blackburn with Darwen CCG_
_Friends & Forums_
_National Lottery Community Fund_
_Morrisons Partner Portal_
_Morrisons Foundation_
_One Digital Volunteers event_
_Swim England_
_Dept of Transport_
_WG Edwards Charitable Foundation_
_Santander Discovery Days_
_Service Income_|**_Unrestricted_**
**_Funds_**
**_£_**
_452,408_
_71,290_
_‐_
_‐_
_15,000_
_‐_
_‐_
_‐_
_750_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_87,949_
_627,397_|**_Restricted_**
**_Funds_**
**_£_**
_‐_
_‐_
_17,800_
_2,000_
_‐_
_35,798_
_1,255_
_62,837_
_‐_
_996_
_1,000_
_14,780_
_500_
_2,465_
_703_
_1,500_
_250_
_658_
_142,542_|**_2020_**
**_Total_**
**_£_**
_452,408_
_71,290_
_17,800_
_2,000_
_15,000_
_35,798_
_1,255_
_62,837_
_750_
_996_
_1,000_
_14,780_
_500_
_2,465_
_703_
_1,500_
_250_
_88,607_| |---|---|---|---| ||||_769,939_| 23 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**4**
**Advice, Information & Advocacy**
**Unrestricted**
**Funds**
Contracts and Service Level Agreements:
‐ E.ON Energy Solutions Limited ‐ Benefits
Take Up Programme
‐
Grants:
Age UK
‐ Later Life Goals
‐
‐ Covid 19 Emergency Appeal
‐
Age UK Greater Lancashire CIC
3,227
Brian Mercer Charitable Trust
‐
Charities Aid Foundation Covid Survival Fund
‐
Community Foundations Lancashire Covid 19 Commun
‐
The Henry Smith Charity
‐
Service Income
1,080
4,307
**_2020 COMPARATIVE_**
**_Advice, Information & Advocacy_**
**_Unrestricted_**
**_Funds_**
**_£_**
_Contracts and Service Level Agreements:_
_‐ E.ON Energy Solutions Limited ‐ Benefits_
_Take Up Programme_
_‐_
_Families Health & Wellbeing Consortium ‐ IAG_
_7,543_
_Grants:_
_Age UK_
_‐ Later Life Goals_
_‐_
_Age UK Greater Lancashire Community Interest Co_
_‐_
_Brian Mercer Charitable Trust_
_‐_
_The Eric Wright Charitable Trust_
_‐_
_The Henry Smith Charity_
_‐_
_Service Income_
_1,080_
_8,623_|**Restricted**
**Funds**
**£**
21,448
21,000
10,457
‐
10,000
17,335
4,403
41,423
‐
126,066
**_Restricted_**
**_Funds_**
**_£_**
_26,040_
_‐_
_20,500_
_3,416_
_10,000_
_17,500_
_37,325_
_‐_
_114,781_|**2021**
**Total**
**£**
21,448
21,000
10,457
3,227
10,000
17,335
4,403
41,423
1,080| |---|---|---| |||130,373| |||**_2020_**
**_Total_**
**_£_**
_26,040_
_7,543_
_20,500_
_3,416_
_10,000_
_17,500_
_37,325_
_1,080_| |||_123,404_| 24 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**5**
**Influencing Policy & Practice**
Contracts and Service Level Agreements:
**_2020 COMPARATIVE_**
**_Influencing Policy & Practice_**
_Contracts and Service Level Agreements:_
_Families Health & Wellbeing Consortium ‐ IAG_
**6**
**Expenditure on Charitable Activities**
**Supporting**
**Independent**
**Living**
**£**
**Direct Costs**
Staff Costs
449,881
Premises Costs
32,837
Office Costs
10,940
Vehicle Costs
8,821
Service Supplies
49,057
Professional Fees
112
Bank Charges
426
Depreciation
1,828
553,902
**Support Costs (basis for allocation)**
Staff Costs (time)
127,006
Premises (space)
11,900
Office (usage)
23,924
Service Supplies
‐
Professional Fees (usage)
2,280
Bank Charges (usage)
921
Depreciation (usage)
2,216
Governance costs
22,833
**Total Support Costs**
191,080
**Total Costs**
744,982|**Unrestricted**
**Funds**
**£**
‐
**_Unrestricted_**
**_Funds_**
**_£_**
_16,280_
_16,280_
**Advice**
**Information**
**& Advocacy**
**£**
81,812
2,632
739
‐
1,326
35
‐
‐
86,544
47,415
7,133
2,827
2,430
1,150
156
1,108
5,871
68,090
154,634|**Restricted**
**Funds**
**£**
‐
‐
**_Restricted_**
**_Funds_**
**_£_**
_‐_
_‐_
**Influencing**
**Policy**
**& Practice**
**£**
14,977
2,735
‐
‐
‐
‐
‐
17,712
4,350
‐
465
‐
13
‐
‐
3,915
8,743
26,455|**2021**
**Total**
**£**
‐| |---|---|---|---| ||||‐| ||||**_2020_**
**_Total_**
**_£_**
_16,280_| ||||_16,280_| ||||**2021**
**Total**
**£**
546,670
38,204
11,679
8,821
50,383
147
426
1,828| ||||658,158| ||||178,771
19,033
27,216
2,430
3,443
1,077
3,324
32,619| ||||267,913| ||||| ||||926,071| 25 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**_2020 COMPARATIVE_**
**_Expenditure on Charitable Activities_**
**_Direct Costs_**
_Staff Costs_
_Premises Costs_
_Office Costs_
_Vehicle Costs_
_Service Supplies_
_Professional Fees_
_Bank Charges_
_Depreciation_
**_Support Costs (basis for allocation)_**
_Staff Costs (time)_
_Premises (space)_
_Office (usage)_
_Service Supplies_
_Professional Fees (usage)_
_Bank Charges (usage)_
_Depreciation (usage)_
_Governance costs_
**_Total Support Costs_**
**_Total Costs_**|**_Supporting_**
**_Independent_**
**_Living_**
**_£_**
_490,978_
_3,696_
_6,515_
_30,643_
_52,458_
_2,295_
_2_
_(271)_
_586,316_
_153,550_
_18,933_
_20,891_
_2,851_
_5,250_
_1,367_
_269_
_25,843_
_228,954_
_815,270_|**_Advice_**
**_Information_**
**_& Advocacy_**
**_£_**
_77,408_
_(511)_
_885_
_‐_
_1,284_
_‐_
_‐_
_1,405_
_80,471_
_48,266_
_6,640_
_9,621_
_‐_
_1,509_
_221_
_269_
_6,645_
_73,171_
_153,642_|**_Influencing_**
**_Policy_**
**_& Practice_**
**_£_**
_13,575_
_(914)_
_101_
_‐_
_719_
_‐_
_‐_
_(269)_
_13,212_
_15,053_
_3,356_
_3,752_
_‐_
_349_
_19_
_269_
_4,430_
_27,228_
_40,440_|**_2020_**
**_Total_**
**_£_**
_581,961_
_2,271_
_7,501_
_30,643_
_54,461_
_2,295_
_2_
_865_| |---|---|---|---|---| |||||_679,999_| |||||_216,869_
_28,929_
_34,264_
_2,851_
_7,108_
_1,607_
_807_
_36,918_| |||||_329,353_| |||||| |||||_1,009,352_| 26 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **7 Expenditure on Raising Funds** |**Direct Costs**
Staff Costs
Premises Costs
Office Costs
Service Supplies
Professional Fees
Bank charges
Depreciation (usage)
**Support Costs (basis for allocation)**
Staff Costs (time)
Premises (space)
Office (usage)
Service Supplies
Professional Fees (usage)
Bank charges (usage)
**Total Support Costs**
**Total Costs**|**Generating**
**Voluntary**
**Income**
**£**
‐
‐
‐
‐
‐
‐
‐
‐
‐
313
‐
‐
‐
‐
313
313|**Shop**
**Operating**
**Costs**
**£**
57,529
30,878
609
1,371
2,221
397
2,702
95,707
7,153
1,869
440
‐
441
91
9,994
105,701|**Fundraising**
**£**
9,688
(1,004)
‐
‐
‐
‐
‐
8,684
53
984
492
‐
158
16
1,703
10,387|**2021**
**Total**
**£**
67,217
29,874
609
1,371
2,221
397
2,702| |---|---|---|---|---| |||||104,391| |||||7,206
3,166
932
‐
599
107| |||||12,010| |||||| |||||116,401| 27 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## _**2020 COMPARATIVE**_ _**Expenditure on Raising Funds**_ |**_Direct Costs_**
_Staff Costs_
_Premises Costs_
_Office Costs_
_Vehicle Costs_
_Service Supplies_
_Professional Fees_
_Bank charges_
_Depreciation (usage)_
**_Support Costs (basis for allocation)_**
_Staff Costs (time)_
_Premises (space)_
_Office (usage)_
_Service Supplies_
_Professional Fees (usage)_
_Bank charges (usage)_
_Depreciation_
**_Total Support Costs_**
**_Total Costs_**|**_Generating_**
**_Voluntary_**
**_Income_**
**_£_**
_(135)_
_‐_
_135_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_306_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_306_
_306_|**_Shop_**
**_Operating_**
**_Costs_**
**_£_**
_43,200_
_16,131_
_1,007_
_‐_
_1,450_
_582_
_2,702_
_65,072_
_7,014_
_1,206_
_484_
_‐_
_566_
_128_
_‐_
_9,398_
_74,470_|**_Fundraising_**
**_£_**
_10,211_
_(448)_
_1,668_
_‐_
_(235)_
_48_
_19_
_‐_
_11,263_
_45_
_1,014_
_535_
_2,015_
_384_
_22_
_‐_
_4,015_
_15,278_|**_2020_**
**_Total_**
**_£_**
_53,276_
_15,683_
_2,810_
_‐_
_1,215_
_48_
_601_
_2,702_| |---|---|---|---|---| |||||_76,335_| |||||_7,365_
_2,220_
_1,019_
_2,015_
_950_
_150_
_‐_| |||||_13,719_| |||||| |||||_90,054_| ## **8 Support Costs** Some of the organisation's services operate from the main offices at 4 King Street, which is also the base for support staff. The costs relating to these offices are allocated as direct costs where they can be identified to a specific service area. Shared costs e.g. telephone, heat & light, insurance etc. are presented as Support Costs. Support Staff Costs include the Chief Executive and Finance & Business Support staff. Governance costs, included within support costs, include those costs associated with meeting the constitutional and statutory requirements of the Charity and include audit fees and costs linked to the strategic management of the Charity. 28 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**9a**|**Net income/expenditure for the year**||| |---|---|---|---| ||This is stated after charging:|**2021**|**2020**| |||**£**|**£**| ||Operating leases ‐ Land & Buildings|12,900|12,900| ||Operating leases ‐ Equipment|16,612|15,489| ||Depreciation|5,152|5,057| |**9b**|**Auditors' remuneration**||| ||Total resources expended includes Auditors' remuneration for audit services and other services. The amounts shown||| ||include non‐recoverable VAT.||| |**Audit services**
Charity|**2021**
**2020**
**£**
**£**
11,602
10,911
11,602
10,911| |---|---| ## **10 Tangible fixed assets** |**Leasehold**
**Improvements**
**£**
**Cost**
Balance at 1 April 2020
42,899
Additions
‐
Disposals
‐
Balance at 31 March 2021
42,899
**Depreciation**
Balance at 1 April 2020
37,496
Charge for the period
2,702
Disposals
‐
Balance at 31 March 2021
40,198
**Net book value**
31 March 2021
2,701
31 March 2020
5,403|**Equipment**
**£**
140,188
‐
‐
140,188
137,074
1,666
‐
138,740
1,448
3,114|**Motor**
**Vehicles**
**£**
31,350
‐
‐
31,350
28,212
784
‐
28,996
2,355
3,138|**Total**
**£**
214,437
‐
‐| |---|---|---|---| ||||214,437| ||||202,782
5,152
‐| ||||207,934| ||||6,503| ||||11,655| 29 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**11**
**Fixed Asset Investment**
Shares in AGE Uk Blackburn with
Darwen Trading Ltd ‐ at cost
**Cost and Net Book Value at 31 March 2021**
Investment in Joint Venture ‐ CIC ‐ at cost|**2021**
**£**
2
6
8|**2020**
**£**
2
6| |---|---|---| |||8| The Charity holds the whole of the issued share capital of Age UK Blackburn with Darwen Trading Ltd, a company registered in England and Wales. Its principal activity upto 22nd December 2017 was arranging insurance after which the company ceased to trade. The aggregate of assets, liabilities and reserves is: |Assets
Liabilities
Total reserves|**2021**
**£**
2
‐
2|**2020**
**£**
2| |---|---|---| |||2| The Charity hold 50% of the issued share capital of Age UK Greater Lancashire CIC, a company registered in England and Wales. Its principal activity is the delivery of contracts and services across the whole of the county of Lancashire |**12**
**Stocks**
Finished goods and goods for resale|**2021**
**2020**
**£**
**£**
265
333| |---|---| |**13**
**Debtors**
Grants receivable
Tax recoverable including VAT
Prepayments and accrued income|**2021**
**£**
14,257
‐
22,059
36,316|**2020**
**£**
45,820
3,006
20,634| |---|---|---| |||69,460| 30 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **14 Creditors: Amounts falling due within one year** |Taxation including VAT
Accruals
Deferred income|**2021**
**2020**
**£**
**£**
18,646
733
32,671
30,746
35,377
20,377
86,693
51,856| |---|---| |**15**|**Deferred income**|| |---|---|---| ||Deferred income comprises grants received in advance for expenditure to take place in the following accounting|| ||period.|| |||**Charity**| |||**£**| ||Balance at 1 April 2020|20,377| ||Amount released to incoming resources|(20,377)| ||Amount deferred in period|35,377| ||Balance at 31 March 2021|35,377| ## _**2020 COMPARATIVE**_ ## _**Deferred income**_ _Deferred income comprises grants received in advance for expenditure to take place in the following accounting period._ |_Balance at 1 April 2019_
_Amount released to incoming resources_
_Amount deferred in period_
_Balance at 31 March 2020_|**_Charity_**
**_£_**
_9,925_
_(9,925)_
_20,377_| |---|---| ||_20,377_| 31 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**16**
**Unrestricted funds**
**1 April**
**Incoming**
**2020**
**£**
**£**
**Designated funds**
155,152
‐
**Undesignated funds**
482,306
743,094
**Charity**
637,458
743,094
**Funds are designated for the following purposes**
**Name**
Business Continuity & Development
**Purpose**
**_2020_**
**_Unrestricted funds_**
**_1 April_**
**_Incoming_**
**_2019_**
**_£_**
**_£_**
**_Designated funds_**
_184,564_
_129_
**_Undesignated funds_**
_472,840_
_795,694_
**_Charity_**
_657,404_
_795,823_
To maintain essential core functions and services and support the
equipment|**Outgoing**
**£**
(5,829)
(699,439)
(705,268)
**_Outgoing_**
**_£_**
_(10,353)_
_(805,416)_
_(815,769)_
upgrade of IT|**Transfers**
**£**
30,000
(30,000)
‐
**31 March**
**2021**
**£**
179,323
**_Transfers_**
**_£_**
_(19,188)_
_19,188_
_‐_|**31 March**
**2021**
**£**
179,323
495,962| |---|---|---|---| ||||675,285| ||||**_31 March_**
**_2020_**
**_£_**
_155,152_
_482,306_| ||||_637,458_| 32 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**17**
**Restricted funds**
**1 April**
**2020**
**Description of Fund**
**£**
**ADVICE & INFORMATION**
Age UK
‐ E.ON Energy Solutions Limited
Benefits Take Up Programme
‐
‐ Later Life Goals
‐
Brian Mercer Charitable Trust
‐
Age UK Covid Appeal
‐
Donations
‐
The Henry Smith Charity
2,852
Other
‐
**SUPPORTING INDEPENDENT LIVING**
**Active Ageing**
Age UK
‐ Big Lottery Fund‐One Digital Project
988
‐ Get Active, Feel Great Project
1,336
‐ Think Digital
‐
‐NHSE Winter support Programme
‐
Other
24,389
**Social Inclusion**
Dept of Transport
‐
Lancashire Mind
‐
National Lottery Community Support Fun
‐
Clothworkers Foundation
‐
Sir Jules Thorn Charitable Trust (Ann
Rylands Small Donations)
‐
Santander Discovery Days
100
**Integrated Care**
Age UK
3,264
**AGE WELL PARTNERSHIP**
5,455
**OTHER**
Fixed Assets funded by grants &
donations
422
Donated facilities & equipment
‐
Other
54
**Restricted funds ‐ Charity**
**38,860**|**Incoming**
**£**
21,448
21,000
10,000
10,457
2,080
41,423
21,738
‐
‐
57,653
25,949
21,918
1,333
5,762
26,990
3,700
1,500
‐
‐
‐
‐
15,348
45,888
**334,187**|**Outgoing**
**£**
(21,448)
(21,000)
(10,000)
(10,457)
(2,080)
(42,560)
(21,738)
‐
‐
(56,730)
(24,029)
(22,362)
(1,333)
(5,762)
(26,055)
(3,700)
(1,500)
‐
‐
(5,455)
(361)
(15,348)
(45,289)
**(337,207)**|**Transfers**
**£**
‐
‐
‐
‐
‐
‐
‐
(988)
988
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
**‐**|**31 March**
**2021**
**£**
‐
‐
‐
‐
‐
1,715
‐
‐
1,336
1,911
1,921
23,945
‐
‐
935
‐
‐
100
‐
3,264
‐
‐
‐
‐
62
‐
653
‐| |---|---|---|---|---| |||||**35,843**| 33 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**_Restricted funds_**
**_1 April_**
**_2019_**
**_Description of Fund_**
**_£_**
_ADVICE & INFORMATION_
_Age UK_
_‐ E.ON Energy Solutions Limited_
_Benefits Take Up Programme_
_‐_
_‐ Later Life Goals_
_500_
_Brian Mercer Charitable Trust_
_‐_
_The Eric Wright Charitable Trust_
_‐_
_Donations_
_‐_
_The Henry Smith Charity_
_1,138_
_Other_
_SUPPORTING INDEPENDENT LIVING_
_Active Ageing_
_Age UK_
_‐ Big Lottery Fund‐One Digital Project_
_4,252_
_‐ Get Active, Feel Great Project_
_‐_
_‐ Think Digital_
_‐_
_ROSPA_
_630_
_Other_
_6,929_
_Social Inclusion_
_Befriending Scheme_
_Blackburn with Darwen Borough_
_Council ‐ Connected Healthy Communities_
_Co‐op Local Community Fund_
_80_
_Families, Health & Wellbeing_
_Consortium_
_1,835_
_Santander Discovery Days_
_‐_
_Integrated Care_
_Age UK_
_3,368_
_Blackburn with Darwen CCG &_
_14_
_AGE WELL PARTNERSHIP_
_13,633_
_OTHER_
_donations_
_785_
_Donated facilities & equipment_
_‐_
_Other_
_3,022_
_Restricted funds_
_36,186_
_‐_
_Council_
**_2020 COMPARATIVE_**|**_Incoming_**
**_£_**
_26,040_
_20,500_
_10,000_
_17,500_
_2,000_
_37,325_
_17,800_
_2,000_
_1,255_
_‐_
_71,310_
_‐_
_‐_
_250_
_62,839_
_‐_
_‐_
_‐_
_17,442_
_50_
_286,311_|**_Outgoing_**
**_£_**
_(26,040)_
_(21,000)_
_(10,000)_
_(17,500)_
_(2,000)_
_(35,611)_
_(21,064)_
_(665)_
_(1,255)_
_(630)_
_(53,850)_
_(80)_
_(1,835)_
_(150)_
_(62,943)_
_(14)_
_‐_
_(363)_
_(17,442)_
_(3,018)_
_(275,460)_|**_Transfers_**
**_£_**
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_
_‐_|**_31 March_**
**_2020_**
**_£_**
_‐_
_‐_
_‐_
_‐_
_‐_
_2,852_
_988_
_1,336_
_‐_
_‐_
_24,389_
_‐_
_‐_
_‐_
_‐_
_100_
_3,264_
_‐_
_5,455_
_422_
_‐_
_54_| |---|---|---|---|---| |||||_38,860_| |||||| 34 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** |**18**
**Information regarding employees and trustees**
Average number of employees in the period
‐ Full time employees
‐ Part time employees
Average number of employees
The full time equivalent of the part time staff is
Staff costs comprise:
‐ Wages and salaries
‐ Social security costs
‐ Recruitment
‐ Pension contributions|**2021**
19
17
35
11.16
**£**
733,332
55,654
300
24,570
813,856|**2020**
22
18| |---|---|---| |||40| |||10.9
**£**
766,764
58,962
8,562
24,798| |||859,086| No employees had emoluments (excluding employer pension contributions) in excess of £60,000 (2020 : Nil). The charity purchased insurance costing £516 (2020: £517) to protect the Charity from loss arising from neglect or default of its Trustees and to indemnify the Trustees against the consequence of neglect or default on their part. Key management personnel of the Charity comprised the Trustees and the Chief Executive of the Charity. The total employee benefits of the key management personnel of the Charity were £54,921 (2020: £53,536) in addition employer pension contributions of £2,197(2020: £2,138) were paid in respect of their services. There was no remuneration or expenses paid to Trustees. ## **19 Pension costs** The charity operates a defined contribution pension scheme and makes contributions under auto‐enrolment requirements. The assets of the scheme are held separately from those of the charity in an independently administered fund. The pension cost charge represents the contributions payable by the charity to the fund. The charge for the year is £24,570. (2020 : £24,798) 35 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **20 Analysis of Group assets and liabilities between funds** |Tangible fixed assets
Current assets:
‐ Investment in joint venture
‐ Stocks
‐ Debtors
‐ Cash at bank and in hand
Creditors
Total|**Designated**
**Undesignated**
**Restricted**
**Funds**
**Funds**
**Funds**
**£**
**£**
**£**
1,209
5,294
‐
‐
8
‐
‐
265
‐
‐
36,315
‐
178,114
537,787
38,828
‐
(83,706)
(2,988)
179,324
495,963
35,843
**Unrestricted Funds**|**Total**
**£**
6,503
8
265
36,316
754,729
(86,693)| |---|---|---| |||711,127| ## _**2020 COMPARATIVE**_ _**Analysis of assets and liabilities between funds**_ |_Tangible fixed assets_
_Current assets:_
_‐ Investment in joint venture_
_‐ Stocks_
_‐ Debtors_
_‐ Cash at bank and in hand_
_Creditors_
_Total_|**_Designated_**
**_Undesignated_**
**_Restricted_**
**_Total_**
**_Funds_**
**_Funds_**
**_Funds_**
**_£_**
**_£_**
**_£_**
**_£_**
_3,112_
_8,543_
_11,655_
_‐_
_‐_
_8_
_‐_
_8_
_‐_
_333_
_‐_
_333_
_‐_
_49,473_
_19,987_
_69,460_
_152,040_
_451,635_
_43,043_
_646,718_
_‐_
_(27,686)_
_(24,170)_
_(51,856)_
_155,152_
_482,306_
_38,860_
_676,318_
**_Unrestricted Funds_**| |---|---| 36 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** ## **21 Changes in resources available for charity use** |Net movement in funds for the period
Net decrease in tangible assets
Net movement in funds
available for future activities|**Designated**
**Undesignated**
**Restricted**
**Funds**
**Funds**
**Funds**
**£**
**£**
**£**
22,020
10,295
(2,656)
2,148
3,364
(361)
13,659
24,168
**Unrestricted Funds**
(3,018)|**Total**
**£**
29,657
5,152| |---|---|---| |||34,809| ## _**2020 COMPARATIVE**_ _**Changes in resources available for charity use**_ |_Net movement in funds for the period_
_Net decrease in tangible assets_
_Net movement in funds available for_
_future activities_|**_Designated_**
**_Undesignated_**
**_Funds_**
**_Funds_**
**_£_**
**_£_**
_(29,412)_
_9,466_
_6,634_
_(3,788)_
**_Unrestricted Funds_**
_5,678_
_(22,778)_|**_Restricted_**
**_Funds_**
**_£_**
_2,674_
_783_
_3,457_|**_Total_**
**_£_**
_(17,272)_
_3,629_| |---|---|---|---| ||||_(13,643)_| ## **22 Financial commitments and operating leases** At 31 March 2021 there were annual commitments under non‐cancellable operating leases as set out below: |Operating leases which expire:
Within one year
Within two to five years|**2021**
**2020**
**£**
**£**
17,753
17,753
3,800
29,600
21,553
47,353
**Land & Buildings**|**2021**
**2020**
**£**
**£**
14,269
15,489
25,903
30,041
40,172
45,530
**Other Assets**|**2021**
**2020**
**£**
**£**
14,269
15,489
25,903
30,041
40,172
45,530
**Other Assets**| |---|---|---|---| ||||45,530| ## **23 Related Party Transactions** There were donations, including gift aid, made by the Trustees of £1,040 (2020: £1,090) The Charity holds 50% of the issued share capital of Age UK Greater Lancashire CIC, a company registered in England & Wales. Its principal activity is the delivery of contracts and services across the whole of the county of Lancashire. The Charity received grant income of £3,227 (2020: £3,416) from the CIC in relation to the Age of Opportunity Programme to support over 50's to get back into employment. There were no other related party transactions during the current or previous year 37 ## **NOTES TO THE FINANCIAL STATEMENTS FOR THE PERIOD ENDED 31 MARCH 2021** **24 Reconciliation of net income/(expenditure) to net cash flow from operating activities** |**Adjustments for:**
Depreciation charges
Bank interest
(Increase)/decrease in stocks
(Increase)/decrease in debtors
Increase/(decrease) in creditors
**Net cash provided by (used by) operating activities**
**25**
**Analysis of net funds**
**1 April**
**2020**
**£**
Cash at bank and in hand
646,718
**_Analysis of net funds_**
**_1 April_**
**_2019_**
**_£_**
_Cash at bank and in hand_
_677,261_
**26**
**Government Grants ‐ Charity & Group**
**Funder**
**Description/Nature**
Department of Transport
Day Services transport provision
Blackburn with Darwen Borough Council &
Blackburn with Darwen CCG
Delivery of integrated care provision
Her Majesty's Revenue and Customs
Coronavirus Job Retention Scheme
Blackburn with Darwen Borough Council
Covid Relief Grants
**2020 COMPARATIVE**
Net (expenditure)/income for the reporting period (as per the
statement of financial activities)|**Charity**
**2021**
**£**
34,809
5,152
(1,262)
68
33,144
34,838
106,749
**Cash Flow**
**£**
108,011
**_Cash Flow_**
**_£_**
_(30,543)_
**2021**
**£**
1,333
‐
17,441
19,669|**Charity**
**2020**
**£**
(17,272)
5,057
(1,388)
50
(12,599)
(4,351)| |---|---|---| |||(30,503)| |||**31 March**
**2021**
**£**
754,729
**_31 March_**
**_2020_**
**_£_**
_646,718_
**2020**
**£**
703
62,837
‐
‐| The Charity has also benefited from other forms of local government assistance including subsidised/rent‐free accommodation and non‐domestic rate relief There were no unfulfilled conditions or other contingencies attached to grants recognised in income 38 Appendix 1 ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF FINANCIAL ACTIVITIES** ## **COVERING THE YEAR ENDED 31 MARCH 2021** |**INCOME**
**Contracts & Service Level Agreements**
Blackburn with Darwen Borough Council
‐ E.ON Energy Solutions Limited ‐ Benefits
Families Health & Wellbeing Consortium ‐ IAG
**Grants**
Age UK
‐ Big Lottery Fund ‐ One Digital Project
‐ Brand Partner
‐ I & A Grant Fund ‐ Digital Inclusion
‐ Covid 19 Emergency Appeal
‐ Friends & Forums
‐ Get Active, Feel Great Project
‐ Later Life Goals
‐ Malnutrition Taskforce
‐ NHSE Winter Support Programme
‐ Think Digital
Active Lancashire Tackling Inequalities Fund
Age UK Greater Lancashire CIC
Big Lottery Fund Building Connections Fund
Blackburn with Darwen Borough Council Refunds
Brian Mercer Charitable Trust
Charities Aid Foundation Covid Survival Fund
Co‐op Community Fund
Clothworkers Foundation
Community Foundations Lancashire Covid 19 Commu
British Muslim Covid 19 Fund
Dept of Transport
Duchy Of Lancaster Fund
Jules and Hans Rausing Trust Charity Survival Fund
Lancashire Mind
Morrisons Partner Portal
National Lottery Community Fund
National Lottery Community Support Fund
One Digital Volunteers Event
Santander Discovery Days
Sir Jules Thorn Charitable Trust (Ann Rylands Small Do
Sport England
Swim England
Tesco Bags of Help
The Eric Wright Charitable Trust
The Henry Smith Charity
The Morrisons Foundation
WG Edwards Charitable Foundation
**Donations and fundraising**
Miscellaneous donations
Legacies
Donated facilities & equipment
Fundraising activities & events
Sale of goods
Gift Aid payment from subsidiary companies
**Service income**
Service charges
**Other income**
Bank and building society interest
Profit on sale of fixed assets
Insurance Claim
Coronavirus Job Retention Scheme
Other
**Total income**|**Unrestricted**
**Funds**
£
537,973
‐
‐|**Restricted**
**Funds**
£
‐
21,448
‐|**Total**
**Funds**
**31 March**
**2021**
**£**
537,973
21,448
‐|**Total**
**Funds**
**31 March**
**2020**
**£**
515,245
26,040
95,113| |---|---|---|---|---| ||537,973|21,448|559,421|636,398| ||‐
15,000
‐
27,277
750
‐
‐
‐
‐
‐
‐
3,227
‐
19,669
‐
‐
‐
‐
n
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
‐
n
‐
‐
‐
‐
‐
‐
‐
‐|‐
‐
‐
10,457
‐
‐
21,000
500
25,949
57,653
2,825
‐
15,366
‐
10,000
17,335
2,387
3,700
4,841
250
1,333
500
44,101
5,762
‐
‐
26,990
‐
‐
1,500
300
‐
500
‐
41,423
‐
‐|‐
‐
15,000
‐
37,734
750
‐
21,000
500
25,949
57,653
2,825
3,227
15,366
19,669
10,000
17,335
2,387
3,700
4,841
250
1,333
500
44,101
5,762
‐
‐
26,990
‐
‐
1,500
300
‐
500
‐
41,423
‐
‐|17,800
15,000
1,255
‐
750
2,000
20,500
‐
‐
‐
‐
3,416
35,798
‐
10,000
‐
‐
‐
‐
‐
703
‐
‐
‐
1,000
996
‐
500
250
‐
‐
2,465
‐
17,500
37,325
14,780
1,500| ||65,924|294,672|360,595|183,538| ||14,731
5,165
‐
9,369
17,406|2,719
‐
15,348
‐
‐
‐|17,449
5,165
15,348
9,369
17,406
‐|44,164
30,430
17,442
6,375
66,338
134| ||46,670|18,067|64,737|164,883| ||36,581|‐|36,581|89,687| ||36,581|‐|36,581|89,687| ||1,262
37,243
17,441
‐|‐
‐
‐
‐
‐|1,262
‐
37,243
17,441
‐|1,388
‐
‐
6,240| ||55,947|‐|55,947|7,628| |||||| ||743,094|334,187|1,077,281|1,082,134| 39 Appendix 2 ## **AGE UK BLACKBURN WITH DARWEN** ## **STATEMENT OF FINANCIAL ACTIVITIES** ## **COVERING THE YEAR ENDED 31 MARCH 2021** |**EXPENDITURE**
Wages, salaries and staff recruitment
Rent, rates & insurance
Heat and light
Repairs, renewals & alterations
Printing, stationery & office expenses
Post & telephone
Travel
Service supplies
Volunteers expenses
Advertising, promotion & events
Training & conferences
Vehicle expenditure
Audit fee
Subscriptions, Consultancy and other
Professional fees
Bank charges
Provision for depreciation
Fees to Voluntary Organisations
**Total expenditure**
Surplus /(Deficit) of income over expenditure
for the year transferred to balance sheet|**Unrestricted**
**Funds**
**£**
546,946
41,932
5,294
23,114
15,876
9,842
174
26,889
612
5,826
6,133
8,527
8,386
1,608
4,108
705,267
37,827|**Restricted**
**Funds**
**£**
266,910
4,102
1,527
7,704
13,205
8,581
1,044
17,067
421
513
1,020
2,702
3,073
1,253
504
1,044
6,534
337,205
(3,018)|**Total**
**Funds**
**31 March**
**2021**
**£**
813,856
46,034
6,821
30,818
29,080
18,423
1,219
43,955
1,033
513
6,846
8,835
11,601
‐
9,639
2,113
5,152
6,534
1,042,472
34,809|**Total**
**Funds**
**31 March**
**2020**
**£**
848,801
38,681
6,613
6,692
34,470
19,746
10,550
47,113
5,708
835
4,830
30,643
10,910
11,477
2,435
5,057
14,845| |---|---|---|---|---| |||||1,099,406| |||||(17,272)| 40