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2025-03-31-accounts

Age UK Tunbridge Wells Annual Report and Unaudited Accounts For the year ended 31 March 2025

Contents

Contents
Reference and admin details Page 3
Age UK Tunbridge Wells strategy Page 4
Introduction from our Chairman Page 5 to 7
Overview Page 8 to 9
Report of Trustees Page 10 to 35
Statement of trustees’ responsibilities Page 36
Independent examiner’s report Page 37 to 39
Financial activities Page 40 to 61
Thank you and how you can get Page 62 to 63
involved

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Reference and administrative details

Trustees

Nigel Morris Stratton Jeffrey Christopher Moys Katherine Mary Sergeant Sandra Jacqueline Wisdom Kevin John Charles Pharoah Lucy Ann Chowdhury (Appointed 6 December 2024) Candy Roberts (Appointed 16 July 2025)

Company Secretary

Independent Examiners

Foot Davson Ltd Lonsdale Gate Lonsdale Gardens Tunbridge Wells Kent TN1 1NU

Registered Charity Number

1147675

Yvonne Savage

Registered Office

Day Centre Wood Street Tunbridge Wells Kent TN1 2QS

Registered Company Number

07956458 (England and Wales)

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Age UK Tunbridge Well’s strategy

Our strategy is crucial for all of us at Age UK and for the older people our charity exists to support. It currently consists of 6 priorities:

Developing our services

We aim to enhance our service offer in order to ensure we are there to support, advise, connect and inspire older people across the borough.

Participation and influence

We aim to amplify the voices of older people in the running of our charity and their influence in our communities and throughout the area.

Partnerships and collaboration

We aim to further develop our partnerships with statutory services, funders, other VCS organisations, and community groups .

Measuring our impact

We aim to measure the difference we make to the lives of people who come into contact with us, and use that evidence to improve the services we offer to older people .

Developing our people

We aim to promote diversity, provide training and development, and recognise and reward all our staff and volunteers .

Income generation and sustainability

We aim to ensure a secure future for the charity and continue to support older people in The Tunbridge Wells Borough .

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Introduction from our

Chairman

2024-25 is my penultimate year of working with and for Age UK Tunbridge Wells. It is my intention to retire at the next Annual General Meeting after many, many years as a Trustee and more recently the Chair for the last 13 years. I feel it is time to let others steer the ship. This, therefore, will be my last contribution to the Annual Report.

The last financial year has not been without challenges. At the beginning of the year, we agreed to operate with a very small predicted deficit following a lot of work to develop our services; attract new donors and income streams and of course doubling down on operations to ensure constant best value.

We haven’t quite achieved our goal financially, ending the year with a deficit of £13,613, rather less than we had anticipated and much of this due to unforeseen challenges. This is though, half the deficit of the previous year, and that, in itself, is very encouraging. The deficit included repairs to the boiler and hot water system at the Centre in Wood Street (£2.3K) and the upgrade of some of the IT equipment (£4.7K), both essential to our continued operations. We also commissioned some assistance with developing a vision for the refurbishment of the Wood Street Centre (£2K) and I shall return to this later in this report.

I am pleased to say that we are receiving an increasing amount of support locally and have a clear sense that the local community is rallying behind us as an organisation. This, I believe, is due to a lot more local engagement, whether in person; through our Community Development officer; or via social media platforms. Our investment in both is proving beneficial. We have teams from local businesses raising funds or coming along to the Centre to carry out handyman jobs and many more community organisations choosing Age UK Tunbridge Wells as their chosen charity. This is wonderful news for our clients and any other older people locally. All the money we raise through whatever channel remains here in Tunbridge Wells for the benefit of our local older population.

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Introduction from our

Chairman

Our services have performed much as expected, with take up of services gradually increasing. We remain assured from our clients’ feedback that our service offers are meeting their needs and expectations, but we always have an eye to the future. People’s needs and aspirations are ever evolving, and how people engage with services to support them in later life will change. This coupled with the ever-increasing costs associated with person-centred support, staffing and facilities does mean we must embrace any efficiency that presents itself. To this end we have continued to develop how we use IT solutions and integrate them into our services. This frees up staff time that can be better used in actual support delivery.

As I have indicated above, we are also looking at how we can develop the facilities on offer at Wood Street, both to ensure it remains a vibrant centre where people want to come, but also behind the scenes. The latter is to ensure the future capabilities of the catering department and our community meals service, as well as looking at our environmental impact and opportunities to reduce utility costs with some ‘green’ retrofitting. This will require considerable investment or perhaps even a decision to move our operations to a venue more compatible with our vision. Either way I and my fellow Trustees have been grappling with these challenges. I have agreed with my fellow Trustees to remain on a working group tasked with finding the way ahead.

The local authority structure is under review, and it seems changes will happen. As a longstanding tenant (78 years) of the Borough Council the changes are unsettling. How we ensure that we are in a position to continue to influence and advocate the interests of the older population is not yet clear and will no doubt present another challenge in the next year or so.

The last couple of years has seen the gradual demise of the Kent Consortium, a group formed by all the Age UK and Age Concern organisations in Kent. After the success it enjoyed before and during the Covid Pandemic in enabling us all to effectively communicate with our statutory partners in social services and health, this is disappointing, but with the changes afoot probably inevitable. Going forward we will have to ensure we are able to engage with the decision makers who will determine how the local community and services provided develop.

Introduction from our

Chairman

The future for this local organisation is certainly going to be interesting, and to assist the organisation on its journey I am pleased to report that we have managed to recruit two new Trustees to our Board. So, welcome to Lucy Chowdhury and Candy Roberts both of whom bring unique skills and interests with them.

It is also my sad duty to record the death this year (2025) of Alan Peal who was our auditor for many years, but who also provided us with much financial advice over this period. He was a good friend of the charity. This has impacted our ability to produce our financial reports in the usual timely manner as we needed to recruit new accountants to independently examine our financial statements and assist with producing these. As result our AGM will postponed and we are seeking an extension on our filing dates with Comapanies House and the Charity Commission.

It has been my pleasure and privilege to have been involved with Age UK Tunbridge Wells and its predecessor organisations over the last 40 years. In that time, I have met some great people who have done their damnedest for older people in this area, many of whom have become good friends. I want to thank all of them; my fellow Trustees both past and present; our dedicated volunteers, some of whom sadly are no longer with us; and of course, our Chief Officer and our staff, whose commitment to the charity has and continues to be, second to none. We would not have been able to sustain the charity without all of you. It has been truly a group effort.

Finally, I wish the charity all the best for the future.

Nigel Stratton Chairman

Trustee Date: 26.02.26

Overview

12,459

2025 at a glance

1,293

Hours of Dementia Outreach

As an independent local charity, every achievement of the past year was made possible by the dedication of our team and support of our community.

Here is the scale of the impact we achieved together in 2025.

£1,389,023

188

Hot, home cooked Community Meals

15,688

Hours of Independent Living Support

966

Hours of free Advocacy

6,276

Enquiries for free Information & Advice

889

Memory Cafe clients

Taken up in community benefits. Accessed through our free Information & Advice service

Memory Cafes

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Report OF the Trustees

Report of the Trustees

For the year ended 31st March, 2025 Inclusive of Director’s report

The trustees present their annual report and financial statements for the year ended 31 March 2025.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the charitable company's governing document, the Companies Act 2006, FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Charities SORP "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)".

Financial review

Reserves policy

The Charity needs reserves to safeguard its day to day services by maintaining a positive cash flow without recourse to borrowing. £170K is sufficient and also would currently be sufficient to wind the charity down within 3 months as per the Charity Commission recommendations.

We have produced a £13,613 deficit for the year leaving the total unrestricted reserves figure at £244,136. Of this, £18,584 is set aside for the exploration of refurbishing the current premises occupied by the charity or potentially moving to a new venue. The trustees believe that this level is sufficient to enable the organisation to continue and ensure stability.

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Report of the Trustees

For the year ended 31st March, 2025 Inclusive of Director’s report

Major risks

The trustees have assessed the major risks to which the charitable company is exposed, and are satisfied that systems are in place to mitigate exposure to the major risks.

Risk Management

The trustees have a duty to identify and review the risks to which the charity is exposed and to ensure appropriate controls are in place to provide reasonable assurance against fraud and error.

Systems of internal control are designed to provide reasonable but not absolute assurance against material mis-statement or loss.

They include:

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Objectives and activities

Objectives and activities

The trustees have paid due regard to guidance issued by the Charity Commission in deciding what activities the charitable company should undertake.

Our main objective is to promote the following purposes for the benefit of the public and/or older people in and around the Borough of Tunbridge Wells.

We attempt to achieve these objectives in a number of ways including the provision of practical services such as Day Care, Dementia Day Care, Information & Advice, Advocacy Services, Independent Living Services and many more.

Preventing or relieving the poverty of older people

Promoting equality and

Advancing education

diversity

Preventing or relieving sickness, disease or suffering in older people (whether emotional, mental or physical).

Promoting the human rights of older people in accordance with the universal declaration of human rights.

Assisting older people in need by reason of ill-health, disability, financial hardship, social exclusion or other disadvantage; and such other charitable purposes for the benefit of older people as the trustees may from time to time decide. The outcome of this being the promotion of the well-being of older people.

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Achievements and perFormance

Advocacy

Our Advocacy Service provides tailored support to older adults, helping them navigate challenges, explore their options, and make informed choices, ensuring their voices are heard and respected.

Advocacy can be immensely beneficial for older individuals when navigating significant life decisions. For many seniors, even when equipped with comprehensive information, additional support is often necessary in certain circumstances. Regrettably, as they age, older adults may experience feelings of being overwhelmed by life transitions. They may perceive that they can no longer manage tasks that were once straightforward. Furthermore, they might feel unheard and find it challenging to articulate their needs.

As advocates, we assist and support clients with various matters. To facilitate this process, we attentively listen to my clients' perspectives and concerns. Subsequently, we help them explore all available options and rights. We provide information that empowers them to make informed decisions without imposing advice or judgement. We assist in completing forms, drafting letters, and making telephone calls, either alongside our clients or on their behalf.

This year, we have provided assistance and support to 161 clients facing a diverse array of issues. Some clients require only brief interventions to resolve their concerns, while others have sought our guidance over many years, returning as new challenges arise.

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Independent Living Support

We help older people remain independent and supported in their own homes by assisting with dayto-day living tasks.

The ILSS remains dedicated to helping individuals maintain their independence, recognising that independence means something different to every person. With this philosophy at its core, ILSS is flexible, responsive, and tailored to meet individual needs.

ILSS continues to be a vital and stable service within the local area, adapting to meet the evolving needs of those it supports.

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“My support worker gives
me the confidence to tackle
each day. It’s not just the
help, it’s knowing someone
genuinely cares.”
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Dementia Outreach

We support clients living with Dementia by offering stimulating activities on a one-to-one basis with a support worker.

This specialised service offers 90 -100 hours of one-to-one support monthly, providing invaluable aid to individuals living with dementia and their families.

Though small in scale, Dementia Outreach delivers a profound impact, nurturing trust, joy, and dignity in every interaction.

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“The support worker
understands my husband in
ways even I didn’t expect.
It’s a bond built on
compassion.”
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Memory Cafes and Support Groups

Our Memory Cafes offer a safe, friendly space for clients living with dementia and their carers to access mutual support, share experiences and socialise.

Now in their fifth year, the Memory Cafés have grown steadily since inception and serve several locations across the Tunbridge Wells district, including rural Cranbrook.

The cafés promote emotional wellbeing, reduce isolation, and create inclusive opportunities for people and their families to connect and thrive.

Information and Advice

In the last year, we answered 6,276 enquiries for free information and advice, allowing us to save older people in Tunbridge Wells £1,389,023.

Our Information and Advice service is always very busy, and this year has certainly been no exception. As usual this is both due to a high number of enquiries/referrals and also due to there being a very limited number of other services in the area who offer I&A home visits. We have had 6276 enquiries this year, and our benefit take up figure (how much money people will now get as a result of benefits claimed this year) was £1,389,023. This figure includes all benefits, for example, Attendance Allowance, Personal Independence Payments, Pension Credit and Housing & Council Tax Benefit.

At Age UK Tunbridge Wells we feel that all older people should have choice and control over their own lives, with easy access to the information and advice they need to make that happen. It’s not always easy for older people to find out what services, benefits or other help is available, especially as public sector spending cuts mean that free help is increasingly rare. Sadly older people are often passed from pillar to post and find that they’re up against a lack of coordination and communication between health and care services, meaning that getting answers to important questions can be a struggle. Even if people can get hold of information and advice, it’s not always easy to understand, especially if there’s nobody to explain it to them.

Our Information and Advice Service provides support at every level, from offering clear, straightforward guidance to help people take their first steps, to working one-to-one with individuals facing more complex challenges. We take the time to sit alongside people, helping them to understand their options and find practical solutions. By offering home visits, we ensure that no one is excluded simply because they are unable to leave their home - a service that is especially vital for vulnerable older people living in the most rural parts of our borough.

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Information and Advice

At the heart of our work is a commitment to helping older people live as independently as possible. This includes supporting them to claim the benefits they are entitled to, as well as helping them access the wider support they need by referring and signposting them to other appropriate services and agencies.

As usual by far the most common benefit which people need support with is Attendance Allowance. We have supported 258 people to apply for it this year, giving them either £73.90 or £110.40 per week towards improving their quality of life. This has made a huge difference to many people.

Aside from Attendance Allowance, we also carry out full benefit checks, and support people to apply for many other benefits and grants, including Housing Benefit, Council Tax Benefit, Pension Credit and Personal Independence Payment. We also helped 71 people to obtain a Blue Badge, making it easier for them to get out and about, and therefore improving their quality of life.

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Community Engagement and Fundraising

Our Community Engagement and Fundraising efforts focus on building strong connections with local individuals, businesses, and organisations.

2025 performance

In 2025, our fundraising strategy successfully balanced securing targeted grants with building robust local community participation. As an independent charity, the success of this activity is critical to sustaining our core services, enabling us to respond quickly and effectively to local needs and crises.

As an independent charity, we are responsible for raising the funds needed to deliver our services to the local community. Several of our practical support services are moving towards financial sustainability, with older people making a contribution to the support they receive. However, other essential services, such as Information and Advice, Advocacy and Befriending, remain free at the point of access and receive no financial contribution from those who use them.

To bridge the gap between income and the true cost of our services, we fundraise through a variety of channels. We secure grants for specific areas of work, including the BIG Lottery Fund, which has supported our Information and Advice service for three years (this being the final year), and for essential equipment. Alongside this, we continue to grow our charitable fundraising.

Our fundraising efforts have strengthened significantly this year, led by our Community Liaison Officer and supported through our Marketing and Social Media channels. We are grateful for the tremendous support shown by local residents and businesses, many of whom have been keen to get involved. We both host our own events and take part in wider community activities such as the Tunbridge Wells Half Marathon and the London to Brighton Cycle Race. Several events have benefited from corporate sponsorship, and we look forward to developing these partnerships further in the year ahead.

Community Engagement and Fundraising

We have also received valuable support from Tunbridge Wells Borough Council to reach people who are particularly socially isolated, and from Age UK Herne Bay & Whitstable (AUKH&W), which holds a Kent County Council contract to deliver community-based dementia services. Through this collaboration, AUKH&W has shared resources enabling us to deliver the Dementia & Me service in Tunbridge Wells.

On behalf of our clients, we extend our sincere thanks to everyone who has supported us this year. Your generosity has made it possible for our work to continue, and we look forward to building on this vital support in the years to come.

Financial projections and strategy for 2026

The strategy for 2026 is built on two pillars: sustaining our essential day-to-day operations and launching the most ambitious project in our history, the Capital Campaign for a new Day Centre. Our current tenancy at the Wood Street site is approaching a natural transition point with Tunbridge Wells Borough Council. This presents a unique opportunity to secure a permanent legacy for the older residents of our borough.

A new Day Centre will allow us to:

Success in the 2026 fundraising year is directly tied to securing a cornerstone grant for this transformative project.

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Volunteering

We rely on a dedicated team of volunteers who play a vital role in supporting our clients and services.

Our volunteers are the cornerstone of Age UK Tunbridge Wells. This year, as always, they have demonstrated extraordinary compassion and dedication, providing a vital bridge between our services and the older people of our borough.

In 2025, our volunteers supported almost every aspect of our operations, including:

“In the anniversary of two years of being part of Age UK Tunbridge Wells, I would recommend everyone to do it. I joined when I moved down from London to a new area alone and realised connection is why we are here. We can't help everyone, but everyone can help someone. Catching up every fortnight has become something we both look forward to. I'm hopeful that if everyone has connection it can re light their fire for life back.”

Volunteering

Our volunteers help us strengthen our impact. Our resident I.T. specialist is a prime example, consistently going above and beyond to solve complex technical hurdles for our clients. In our Day-Care centre, volunteers also continue to be invaluable. By engaging directly with clients through entertainment and activities, they make sure our sessions run smoothly and that every client feels valued and included.

This year, we successfully recruited 23 new volunteers into the team. Our recruitment process remains rigorous. We are incredibly proud of the high calibre of individuals who represent our team of volunteers.

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Befriending & LGBTQ+ Befriending

We support older adults by providing companionship through Befriending and LGBTQ+ Befriending services, offering regular, meaningful connections with a volunteer ‘friend’.

Befriending remains one of our most essential services, providing a lifeline to older people who are socially isolated or find it difficult to leave their homes. At Age UK Tunbridge Wells, we believe that regular contact with a 'friend' can transform someones life.

Our befriending service is built on the foundation of personalised matching. We carefully pair clients and volunteers based on shared interests, life experiences, and personalities.

In 2025, we have continued to develop our LGBTQ+ Befriending service. We recognise that older members of the LGBTQ+ community can face unique challenges and may feel a greater sense of isolation or a hesitation to access mainstream support. By offering specialised befriending, we provide a safe, inclusive space where clients can be their authentic selves. This service is critical in making sure that every member of our community, regardless of their background, feels never forgotten and always valued.

As an independent local charity, we know that we could not achieve what we do without the gift of time. We are pleased to share the below statement from one our volunteers on their experiences with our Befriending service:

“Sheila, who is a very attractive and engaging lady of 92, is a firm friend now. She is wonderful company, we can talk about anything. She is totally switched on and up to date on all that is happening in the world. I lost my mother in law two years ago and it almost seems like I have found a new one! Looking forward to a long friendship with the lovely Sheila.”

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Day Care

Our Day Care service provides a supportive and social environment where older people can connect, enjoy a hot, nutritious meal, and participate in engaging activities, all while receiving the assistance they need.

The importance of providing a safe, supported environment for older people who are, or are at risk of becoming socially isolated cannot be underestimated. As society increasingly recognises the detrimental effects of loneliness, Age UK Tunbridge Wells remains committed to providing a space where clients can regain, maintain, and develop vital social connections.

Our Day Care service runs twice a week, every Monday and Thursday, offering up to 40 places per day. People come to the centre to meet up, join in with activities, make friends and enjoy a wholesome lunch with company.

For many of our clients, these visits are the highlight of their week. For those facing mobility or confidence challenges, the centre provides a necessary break in routine and a reason to engage with the world outside their homes.

We take a comprehensive approach to care, making sure our clients stay both physically and mentally active:

Personalised care: With a dedicated team of staff and volunteers on hand, we make sure that every individual receives the specific level of support they need to participate fully.

Day Care

As an independent local charity, we understand that getting to us can be a barrier. We work closely with our partners, Compaid and the Community Care Service, to coordinate transport for those who need it, making sure our doors are open to everyone in the borough regardless of their mobility.

Our centre offers a lively, social atmosphere. Whether chatting with friends in our communal areas or spending time in our dedicated outdoor space, clients are encouraged to enjoy the fresh air. Our garden remains a particular favourite, where clients can get involved in light gardening or simply sit and enjoy the surroundings.

Through our Day Care services, we make sure that the older people of Tunbridge Wells feel never forgotten and always valued, providing them with a community they always feel part of.

Dementia Day Care

Our Dementia Day Care Service offers a safe, supportive space for individuals with dementia to engage in meaningful activities, socialise, and enjoy a fulfilling day tailored to their needs.

Our specialist Dementia Day Care is designed specifically for those navigating their unique journey with dementia. We provide a dedicated space where clients are supported to remain socially active, engaged, and connected to their interests in a safe and stimulating environment.

We believe that a dementia diagnosis should not mean a loss of independence. Where possible and to the right degree, our activities are carefully curated to encourage autonomy and personal choice:

With gentle support and expert care, we make sure our clients can fully enjoy the day’s activities at a pace that suits them.

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Dementia Day Care

The demand for this specialist support service remains high. On average, the Centre sees over 180 visits per month, with many clients choosing to attend one, two, or even three days per week to maintain a consistent routine.

Our Centre provides a secure yet welcoming environment, featuring a pleasant garden where clients can enjoy the fresh air. We work hard to encourage the retention of decision-making functions, personal preference, and a feeling of choice and control. Our dedicated staff lead these sessions with encouragement and practical care support, helping every client get the absolute most out of their time with us.

By default, this service provides a much-needed and often life-changing respite for loved ones, family carers, and professional carers. Knowing their relative is in a safe, professional, and calm environment allows carers to recharge.

Community Hot Meals

Our Community Meal Service provides freshly prepared, nutritious meals to older people, offering both essential nourishment and a friendly connection through regular deliveries.

There is nothing better than a hot, home-cooked meal and a pleasant interaction with a friendly face every day, and that perfectly sums up our Community Meal Service. We deliver a two-course hot lunch and, if requested, a cold supper pack directly to our clients' doors.

All our food is prepared fresh each day by our fantastic team of chefs and delivered at lunchtime by our dedicated team of staff and volunteers. We plan our menus in advance, ensuring that all individual preferences and dietary requirements are carefully catered for. For our most vulnerable clients, our staff go the extra mile by plating up the meal to make sure it is ready to enjoy immediately.

Because our staff and volunteers cover regular routes, they build genuine relationships with the people they visit. This familiarity is a highlight of the day for many clients, but it also serves a vital safety function. Our team is trained to:

We deliver over 1,000 meals each month in and around the Tunbridge Wells area.

Future Vision: Growth, Support, and Sustainability

Looking ahead, our aim is to continue growing and enriching the services we offer, ensuring older clients and their families receive the highest quality support. At the heart of this, we remain focused on nurturing not just those who receive support, but also those who deliver it - with empathy, excellence through our expansion. A commitment to sustainability, inclusivity, and staff wellbeing. Our priorities for the future include:

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Report of the Trustees

Structure, governance and management

The charitable company is a company limited by guarantee. The charity is controlled by its governing document, a deed of trust, and constitutes a limited company, limited by guarantee, as defined by the Companies Act 2006.

The Charity is controlled by it Memorandum and Articles and operates under its constitution which was adopted on 17th February 1948. The constitution has subsequently been amended on 17th January 1994, 10th October 1985 and 12th September 2000.

The trustees, who are also the directors for the purpose of company law, and who served during the year and up to the date of signature of the financial statements were:

Nigel Morris Jeffrey Christopher Moys Katherine Mary Sergeant Sandra Jacqueline Wisdom Kevin John Pharoah Lucy Ann Chowdhury Candy Roberts

(Appointed 6 December 2024) (Appointed 16 July 2025)

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Report of the Trustees

Structure, governance and management

Recruitment and appointment of trustees

The Chair undertakes an audit of the Trustees on an annual basis to ensure the Board has a full complement of members with relevant skills and expertise. Where gaps are identified Trustees are offered any required training and new members recruited as required. Trustees retire in rotation and are elected at the Annual General Meeting. New Trustees can be appointed in this way or can be co-opted by the Board in accordance with the Articles of Association.

Organisational structure

General control, management and administration of the Charity is carried out by the Board of Trustees who are appointed by way of nomination and election by the membership in accordance with the procedures detailed in the Governing Document. The Board of Trustees is authorised to appoint new Trustees to fill vacancies through resignation or death of an existing Trustee.

The Trustees named on page 3 have served throughout the year stated unless stated otherwise. The Board met 6 times during the year. Trustees formulate the strategic direction of the Charity and have overall responsibility for ensuring the Charity has appropriate systems of control, financial and otherwise. Responsibility for the day-to-day management of the Charity and the delivery of services is delegated to the Chief Officer

Induction and training of new trustees

New Trustees work through an induction period. They are provided with an induction pack that includes a copy of the governing document, recent board meeting minutes, an annual report and accounts, and the business plan. A Trustee is mentored and guided by a fellow Trustee and the Chief Officer who will help familiarise the new member with the organisational structure, the individual staff and volunteers, an overview of the services provided and the policies and procedures currently in place.

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Report of the Trustees

Structure, governance and management

Affiliation and relationship between the Charity and other organisations Age UK Tunbridge Wells is a Brand Partner with Age UK, which was formed in 2009 by the merger of Age Concern and Help the Aged. The Trustees of Age UK Tunbridge Wells signed the Partnership Agreement and the Directors believe it remains beneficial to the operation of the organisation. Age UK Tunbridge Wells remains an independent, locallygoverned and locally-funded organisation, able to respond to the needs of people in later life within the Tunbridge Wells locality.

The trustees' report was approved by the Board of Trustees.

Nigel Stratton Chairman

Trustee Date: 26.02.26

Statement of trustees' responsibilities

The trustees, who are also the directors of Age UK Tunbridge Wells for the purpose of company law, are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

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

In preparing these financial statements, the trustees are required to:

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

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Independent examiner's report

Independent examiner's report

To the Trustees of Age UK Tunbridge Wells

I report to the trustees on my examination of the financial statements of Age UK Tunbridge Wells (the charitable company) for the year ended 31 March 2025.

Responsibilities and basis of report

As the trustees of the charitable company (and also its directors for the purposes of company law), you are responsible for the preparation of the financial statements in accordance with the requirements of the Companies Act 2006.

Having satisfied myself that the financial statements of the charitable company are not required to be audited under Part 16 of the Companies Act 2006 and are eligible for independent examination, I report in respect of my examination of the charitable company’s financial statements carried out under section 145 of the Charities Act 2011. In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the Charities Act 2011.

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Independent examiner's report

Independent examiner's statement

Since the charitable company’s gross income exceeded £250,000, the independent examiner must be a member of a body listed in section 145 of the Charities Act 2011. I confirm that I am qualified to undertake the examination because I am a member of the Institute of Chartered Accountants in England and Wales, which is one of the listed bodies.

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the financial statements to be reached.

JP van der Merwe ACA

For and on behalf of Foot Davson Ltd Lonsdale Gate, Lonsdale Gardens Tunbridge Wells Kent TN1 1NU

Date:

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Financial activities

Statement of financial activities

Including income and expenditure account For the year ended 31st March, 2025

7,841
877,866
40,872
4,459
6,400
Total income
Expenditure on:
Raising funds
Charitable activities
Total expenditure
Net expenditure and
movement in funds
Reconciliation of funds:
Fundbalancesat1April2024
Fund balances at 31 March
2025
8
9
Notes
Income and endowments from:
Donations and legacies
Charitable activities
Other trading activities
Investments
Other income
3
4
5
6
7
Unrestricted
funds
2025
£
Restricted
funds
2025
£
5,438
944,198
949,636
256,334
244,136
(12,198)
-
-
-
-
-
-
4,724
3,309
415
1,000
1,415
(1,415)
937,438		 7,841
877,866
40,872
4,459
6,400
14,880
821,315
21,806
5,226
595
-
-
14,000
-
-
Total Unrestricted
funds
2024
£
2025
£
Restricted
funds
2024
£
5,853
945,198
951,051
261,058
247,445
(13,613)
1,023
885,048
886,071
278,583
256,334
(22,249)
8,998
4,724
-
18,274
18,274
(4,274)
937,438
863,822
14,000		 14,880
821,315
35,806
5,226
595
Total
2024
£
1,023
903,322
904,345
287,581
261,058
(26,523)
877,822

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

41

Balance sheet As at 31st March, 2025

2025 2024
Notes £ £ £ £
Fixed assets
Tangibleassets 14 9,879 13,089
Current assets
Stocks 15 375 375
Debtors 16 75,323 83,211
Cash at bank and in hand 195,807 210,132
271,505 293,718
Creditors: amounts falling due within 17
one year (33,939) (45,749)
Net current assets
237,566 247,969
Total assets less current liabilities
247,445 261,058
The funds of the charitable company
Restricted income funds 18 3,309 4,724
Unrestricted funds 19 244,136 256,334
247,445 261,058

The notes on pages 44 to 61 form part of these financial statements.

The company is entitled to the exemption from the audit requirement contained in section 477 of the Companies Act 2006, for the year ended 31 March 2025.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476.

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

The financial statements were approved by the trustees on 26.02.26

Nigel Stratton Chairman

Trustee

Company registration number 07956458 (England and Wales)

42

Statement of cash flows For the year ended 31st March, 2025

2025 2024
Notes £ £ £ £
Cash flows from operating activities
Cash (absorbed by)/generated from 22
operations (16,918) 1,156
Investing activities
Purchase of tangible fixed assets (1,866) (14,100)
Investment income received 4,459 5,226
Net cash generated from/(used in) investing
activities 2,593 (8,874)
Net cash generated from financing activities - -
Net decrease in cash and cash equivalents (14,325) (7,718)
Cash and cash equivalents at beginning of year 210,132 217,850
Cash and cash equivalents at end of year 195,807 210,132

The notes on pages 44 to 61 form part of these financial statements.

43

Notes to the financial statements

For the year ended 31st March, 2025

1. Accounting policies

Age UK Tunbridge Wells is a private company limited by guarantee incorporated in England and Wales and is registered as a charity with the Charity Commission. The company and charity registration numbers, registered office and principal place of business are given on the charity information page and the governing document details are set out in the trustees' report.

1.1 Accounting convention

The financial statements have been prepared in accordance with the charitable company's governing document, the Companies Act 2006, FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Charities SORP "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)". The charitable company is a Public Benefit Entity as defined by FRS 102.

The financial statements are prepared in sterling, which is the functional currency of the charitable company. Monetary amounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2 Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the charitable company has adequate resources to continue in operational existence for the foreseeable future. Thus the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

Notes to the financial statements

Continued

1.3 Charitable funds

Unrestricted funds are available for use at the discretion of the trustees in furtherance of their charitable objectives.

Restricted funds are subject to specific conditions by donors or grantors as to how they may be used. The purposes and uses of the restricted funds are set out in the notes to the financial statements.

1.4 Income

Income is recognised when the charitable company is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Other donations are recognised once the charitable company has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Legacies are recognised on receipt or otherwise if the charitable company has been notified of an impending distribution, the amount is known, and receipt is expected. If the amount is not known, the legacy is treated as a contingent asset.

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45
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Notes to the financial statements

Continued

1.5 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement, and the amount of the obligation can be measured reliably.

Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges are allocated on the portion of the asset’s use.

The cost of overall direction and administration on each activity, comprising the salary and overhead costs of the central function, is apportioned on the following basis which are an estimate, based on staff time, of the amount attributable to each activity:

Social Opportunities 15% Independent Living Service 20% Dementia Services 20% ISM and Befriending services 5% Advice and Information 7% Advocacy 3% Community Meal Service 20% Community Sponsorship 5% Awareness Raising 5%

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

46

Notes to the financial statements

Continued

1.6 Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Leasehold improvements 10% on cost Fixtures and fittings 20% on cost Office equipment 25% on cost Motor vehicles 20% reducing balance method

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is recognised in the statement of financial activities.

1.7 Impairment of fixed assets

At each reporting end date, the charitable company reviews the carrying amounts of its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any).

1.8 Stocks

Stocks are stated at the lower of cost and estimated selling price less costs to complete and sell. Cost comprises direct materials and, where applicable, direct labour costs and those overheads that have been incurred in bringing the stocks to their present location and condition. Items held for distribution at no or nominal consideration are measured the lower of replacement cost and cost.

Net realisable value is the estimated selling price less all estimated costs of completion and costs to be incurred in marketing, selling and distribution.

47

Notes to the financial statements

Continued

1.9 Cash and cash equivalents

Cash and cash equivalents include cash in hand, deposits held at call with banks, other shortterm liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

1.10 Financial instruments

The charitable company has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments. Financial instruments are recognised in the charitable company's balance sheet when the charitable company becomes party to the contractual provisions of the instrument. Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

[Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

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48
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Notes to the financial statements

Continued

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. If not, they are presented as noncurrent liabilities. Trade creditors are recognised initially at transaction price and subsequently measured at amortised cost using the effective interest method.

Derecognition of financial liabilities

Financial liabilities are derecognised when the charitable company’s contractual obligations expire or are discharged or cancelled.

1.11 Employee benefits

The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

Termination benefits are recognised immediately as an expense when the charitable company is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

Notes to the financial statements

Continued

1.12 Retirement benefits

Payments to defined contribution retirement benefit schemes are charged as an expense as they fall due.

1.13 Leases

Rentals payable under operating leases, including any lease incentives received, are charged as an expense on a straight line basis over the term of the relevant lease.

2.Critical accounting estimates and judgements

In the application of the charitable company’s accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates. The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

3.Income from donations and legacies

Unrestricted Unrestricted
funds funds
2025 2024
£ £
Donations and gifts 7,841 14,880
50

Notes to the financial statements

Continued

4 Income from charitable activities

Social Independent Dementia Meal Service Total Total
OpportunitiesLiving Service Services
2025 2025 2025 2025 2025 2024
£ £ £ £ £ £
Client contributions 142,209 337,616 163,550 159,922 803,297 754,042
Grants 74,569 - - - 74,569 67,273
216,778 337,616 163,550 159,922 877,866 821,315
Analysis by fund
Unrestricted funds 216,778 337,616 163,550 159,922 877,866 821,315

51

Notes to the financial statements

Continued

Performance related grants analysis

2025
£
Social
Opportunities
Southborough & High
Brooms AC
Age UK
Big Lottery Funding
Kent Community Grant
Dementia and Me
TWBC Grant
Other
10,000
5, 000
39,919
-
-
19,650
-
74,569		 2025
£
2024
£
2024
£
Total
Social
Opportunities
Advice and
Information
10,000
5,000
39,919
-
-
19,650
-
74,569
10,000
10,000
10,833
-
31,440
-
-
62,273
-
-
-
5,000
-
-
-
5,000		 2024
£
Total
10,000
10,000
10,833
5,000
31,440
-
-
67,273
Previous year:
Analysis by fund
Social
Opportunities
2024
£
Independent
Living
Service
2024
£
Dementia
Services
2024
£
Advice and Meal
Information
2024
£
Unrestricted funds
Client contributions
Grants
99,965
62,273
162, 238
162,238
326,491
326,491
-
326,491
155,656
155,656
-
155,656
5,000
-
5,000
5,000		 Service
2024
£
171,930
171,930
-
171,930		 2024
£
Total
754,042
67,273
821,315
821,315
5 Income from other trading activities
Unrestricted Restricted Total Unrestricted Restricted Total
funds funds funds funds
2025 2025 2025 2024 2024 2024
£ £ £ £ £ £
Fundraising events 40, 872 - 40,872 21,806 14,000 35,806

52

Notes to the financial statements

Continued

6 Income from investments

Interest receivable

Unrestricted Unrestricted
funds funds
2025 2024
£ £
4,459 5,226

Other income

Unrestricted Unrestricted
funds funds
2025 2024
£ £
6,400 595
Unrestricted Restricted Total Unrestricted Restricted Total
funds funds funds funds
2025 2025 2025 2024 2024 2024
£ £ £ £ £ £
Fundraising and publicity
Seeking donations, grants
and legacies 5,438 415 5,853 1,023 - 1,023

53

Notes to the financial statements

Continued

9 Expenditure on charitable activities

Social Independent Dementia Information Meal Advocacy ISM and Total
Opportunities Living Service Services and advice Service Befriending,
Awareness
Raising, and
Community
Sponsorship
2025 2025 2025 2025 2025 2025 2025 2025
£ £ £ £ £ £ £ £
Direct costs
Direct 165,162 312,929 60,301 26,892 167,766 24,942 21,771 779,763
Share of support and governance costs
Management 23,984 31,979 31,979 11,193 31,979 4,797 23,984 159,895
Governance 831 1,108 1,108 388 1,108 166 831 5,540
189,977 346,016 93,388 38,473 200,853 29,905 46,586 945,198
Analysis by fund
Unrestricted funds 189,827 345,816 93,188 38,403 200,653 29,875 46,436 944,198
Restricted funds 150 200 200 70 200 30 150 1,000
189,977 346,016 93,388 38,473 200,853 29,905 46,586 945,198

54

Notes to the financial statements

Continued

Support Costs

Activity Management Governance costs

(Continued) Basis of allocation Staff activity Staff activity

55

Notes to the financial statements

Continued

9 Expenditure on charitable activities

Previous year: Social Independent Dementia Information Meal Advocacy ISM and Total
Opportunities Living Service Services and advice Service Befriending,
Awareness
Raising, and
Community
Sponsorship
2024 2024 2024 2024 2024 2024 2024 2024
£ £ £ £ £ £ £ £
Direct costs
Direct 154,794 296,718 67,879 25,275 151,164 23,324 20,367 739,521
Share of support and governance costs
Management 19,745 32,999 32,999 11,550 33,001 4,952 24,755 160,001
Governance 570 760 760 266 760 114 570 3,800
175,109 330,477 101,638 37,091 184,925 28,390 45,692 903,322
Analysis by fund
Unrestricted funds 175,109 330,477 83,364 37,091 184,925 28,390 45,692 885,048
Restricted funds - - 18,274 - - - - 18,274
175,109 330,477 101,638 37,091 184,925 28,390 45,692 903,322

56

Notes to the financial statements

Continued

10 Net movement in funds 2025 2024
The net movement in funds is stated after charging/(crediting): £ £
Fees payable for the independent examination of the charity's financial
statements 2,520 3,800
Depreciation of owned tangible fixed assets 5,076 4,699
Operating lease charges 16,490 16,735

The financial statements were audited in the previous year (2024).

11 Trustees

None of the trustees (or any persons connected with them) received any remuneration or benefits from the charitable company during the year.

12 Employees

The average monthly number of employees during the year was:

2025 2024
Number Number
Social Opportunities 17 16
Independent Living Service 25 25
Social Integration and other services - 3
Administrative Support 3 2
Marketing 2 2
Total
47 48
Employment costs 2025 2024
£ £
Wages and salaries 616,077 608,810
Social security costs 34,402 24,467
Other pension costs 9,757 8,693
660,236 641,970

There were no employees whose annual remuneration was more than £60,000.

Remuneration of key management personnel

Theremunerationofkeymanagementpersonnelwas as follows:

2025 2024 £ £

Aggregate compensation

101,193

95,473

57

Notes to the financial statements

Continued

13 Taxation

The charity is exempt from taxation on its activities because all its income is applied for charitable purposes.

14 Tangible fixed assets

15
16
Cost
At1April 2024
Additions
Stocks
Carrying amount
At 31 March 2025
Depreciation and impairment
Debtors
Amounts falling due within one year:
Trade debtors
Other debtors
At 31 March 2025
At 31 March 2024
At 1 April 2024
Depreciation charged in the year
At 31 March 2025
Finished goods and goods for resale
16,122
1,715
17,837
-
17,837
-
1,715
8,479
11,374
17,231
2,895
28,605
-
28,605
15,983
1,866
17,849
15,983
466
16,449
1,400
-
Leasehold
improvements
£
Fixtures and
fittings
£
Office
equipment
£
17,837
20,126

58

Notes to the financial statements

Continued

17 Creditors: amounts falling due within one year

Creditors: amounts falling due within one year
2025 2024
£ £
Trade creditors 19,293 12,746
Other creditors 2,106 1,459
Accruals and deferred income 12,540 31,544
33,939 45,749

18 Restricted funds

The restricted funds of the charity comprise the unexpended balances of donations and grants held on trust subject to specific conditions by donors as to how they may be used.

Previous year:
At
At
Minerva Trust Fund
LGBT Awareness Fund
ILS Bursary
Minerva Trust Fund
LGBT Awareness Fund
ILS Bursary
Dementia and Me
Magic Table		 1 April
2024
£
1 April
2023
£
Incoming
resources
£
Incoming
resources
£
Resources
expended
£
Resources
expended
£
At 31 March
2025
£
At 31 March
2024
£
405
3,319
1,000
4,724
405
3,319
1,000
4,274
-
8,998
-
-
-
-
-
-
-
-
14,000
14,000
-
(415)
(1,000)
-
-
-
(4,274)
(14,000)
405
2,904
-
405
3,319
1,000
-
-
(1,415)
3,309
(18,274)
4,724

59

Notes to the financial statements

Continued

18 Restricted funds

(Continued)

Minerva Trust Fund

Thisfundhasbeenset upto be used only in providing charitable assistance to people in the area.

LGBT Awareness Fund

Thisisforawarenessraising.

ILS Bursary

Thisisfortheprovision of a bursary for Staff involved with this activity.

Dementia and Me

Thiswas a contractcommissioned by local Health and social care authorities to provide care for people post Dementia diagnosis.

Magic Table

Funds wereraised to purchase two OMI Tables, for the day care centre. Specifically to provide activities for people livingwith dementia.

19 Unrestricted funds

The unrestricted funds of the charity comprise the unexpended balances of donations and grants which are not subject to specific conditions by donors and grantors as to how they may be used. These include designated funds which have been set aside out of unrestricted funds by the trustees for specific purposes.

At 1 April Incoming Resources At 31 March
2024 resources expended 2025
£ £ £ £
Kitchen redevelopment project management 20,000 - (1,416) 18,584
General funds 236,334 937,438 (948,220) 225,552
256,334 937,438 (949,636) 244,136
Previous year: At 1 April Incoming Resources At 31 March
2023 resources expended 2024
£ £ £ £
Kitchen redevelopment project management 20,000 - - 20,000
General funds 258,583 863,822 (886,071) 236,334
278,583 863,822 (886,071) 256,334

60

Notes to the financial statements

Continued

20 Analysis of net assets between funds

At 31 March 2025:
Tangible assets
Current assets/(liabilities)
At 31 March 2024:
Tangible assets
Current assets/(liabilities)
Unrestricted
funds
2025
£
Unrestricted
funds
2024
£
Restricted
funds
2025
£
Restricted
funds
2024
£
9,879
234,257
244,136
13,089
243,245
256,334
-
3,309
3,309
-
4,724
4,724		 Total
2025
£
Total
2024
£
9,879
237,566
247,445
13,089
247,969
261,058

21 Related party transactions

There were no disclosable related party transactions during the year (2024 - none).

22 Cash (absorbed by)/generated from operations

Adjustments for:
Investment incomerecognised in statement of financial activities
Depreciation and impairment of tangible fixed assets
Movements in working capital:
Cash (absorbed by)/generated from operations
Cash (absorbed by)/generated from operations
Deficit for the year
Decrease in debtors
(Decrease)/increase in creditors		 2025
£
(13,613)
7,888
(11,810)
(4,459)
5,076
(16,918)		 2024
£
8,312
19,894
(26,523)
(5,226)
4,699
1,156

The charitable company had no material debt during the year.

23 Analysis of changes in net funds

61

Thank you

How you can get involved

You can support Age UK Tunbridge Wells in a number of ways

Donate Volunteer

Fundraise

Campaign

To find out more about how you can get involved with Age UK Tunbridge Wells visit www.ageuk.org.uk/tunbridgewells

Age UK Tunbridge Wells Day Centre Wood Street Tunbridge Wells Kent TN1 2QS

REGISTERED COMPANY NUMBER: 07956458 (England and Wales) REGISTERED CHARITY NUMBER: 1147675