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2024-03-31-accounts

CHARITY REGISTRATION NUMBER: 1152675

A B Foundation Unaudited Financial Statements

31 March 2024

HAFFNER HOFF LTD

Accountants 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

A B Foundation

Financial Statements

Year ended 31 March 2024

Page
Trustees' annual report 1
Independent examiner's report to the trustees 6
Statement of financial activities 7
Statement of financial position 8
Notes to the financial statements 9

A B Foundation

Trustees' Annual Report

Year ended 31 March 2024

The trustees present their report and the unaudited financial statements of the charity for the year ended 31 March 2024.

Reference and administrative details

Registered charity name A B Foundation Charity registration number 1152675 Principal office 2 Merrybower Road Salford M7 4HE The trustees J Waldman J Waldman Mrs B Weiss Independent examiner Mr Howard Schwalbe ACA 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

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A B Foundation

Trustees' Annual Report (continued)

Year ended 31 March 2024

Structure, governance and management

AB Foundation is constituted under a deed dated 11 April 2013. It is a registered charity with a charity number being 1152675 and it was registered on the 02 July 2013.

Recruitment and appointment of new trustees would be in line with the Trust Deed and with the consent of the trustees. The criteria set for the suitable candidate would be someone who is sensitive to the needs and demands of the organisation.

There is no chief executive officer. The day-to-day affairs are undertaken by Mr J Waldman on behalf of the trustees. All major decisions are taken collectively by the trustees and all the trustees give of their time freely. The trustees are unpaid and details of any related party transactions are disclosed as applicable in the notes to the accounts. The arrangements for setting the pay of the charity’s employees are the sole domain of the trustees.

It is not currently the intention of the trustees of the charity to appoint new trustees. Should the situation change in the future, the Trustees will apply suitable recruitment training and induction procedures.

Risk review

The Trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the Trust, and are satisfied that systems are in place to manage our exposure to the major risks.

The risks faced by the trust are principally operational risks from ineffective grant making. These risks are managed by the trustees researching potential beneficiaries before granting donations.

Report back and review procedures strengthen these safeguards to ensure public benefit is achieved from all grants.

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A B Foundation

Trustees' Annual Report (continued)

Year ended 31 March 2024

Objectives and activities

The objects of the charity are: (i) For the public benefit promote the education of people of all ages around the world in such ways as the charity trustees think fit, including awarding to such persons scholarships, maintenance allowances or grants; or by grants to charities or other organisations worldwide that provide education. (ii) The prevention or relief of poverty or financial hardship anywhere in the world by providing: grants or loans to individuals in need and /or charities, or other organisations working to prevent or relieve poverty of financial hardship. (iii) To advance the orthodox Jewish religion worldwide for the benefit of the public in accordance with the principles of the code of Jewish law (Shulchan Aruch).

Public benefit

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit and in particular to its supplementary public benefit guidance on advancing education when reviewing the charity's aims and objectives and in planning future activities and setting grant making policy for the year.

Grant making policy

The charity is funded by donations and investment income. The charity gives out grants in line with the above objects.

There were no grants paid to individuals during the year.

Grants made during the year to institutions are as detailed in the accounts.

The trustees consider they have met the public benefit test and outline these achievements below.

The trustees measure the success of achieving the stated aims by the number and value of grants paid out for each object. The grants paid out in the year are detailed in the notes to the accounts and the trustees consider they have met their aims successfully this year.

The trustees consider the shorter-term aims to be similar to the longer term aims and assess the achievement of the charity in the same way.

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A B Foundation

Trustees' Annual Report (continued)

Year ended 31 March 2024

Achievements and performance

The charity received £19,000 in donations and grants during the year and £139,570 was paid out by way of grants and support costs in line with the stated objects of the charity.

The charity also has investment income receivable amounting to £118,778.

The trustees would like to record their appreciation for all financial support received from benefactors during the course of the year.

The charity has low governance costs. Other costs were kept low and the governance costs incurred relate to professional fees incurred during the year.

New investments made during the year relate to surpluses generated from property investment syndicates, as well as a planning permission to build flats on top of one of the investment properties.

Grants over £3,000 made during the year to institutions are as detailed in the accounts.

There were no fundraising costs during the year.

Related party transactions are reported in the notes to the accounts.

There was an overall net expenditure and net movement in funds for the year amounting to £1,792, with an expenditure of £13,542 on the unrestricted fund, and an income of £11,750 on the restricted fund.

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A B Foundation

Trustees' Annual Report (continued)

Year ended 31 March 2024

Financial review

Investment performance

The investments of the charity has provided a return of 25% in the year. This is exceptional and is not thought that it will be replicated in future periods.

The trustees consider this acceptable when compared with returns available on deposits in any of the banking institutions. The investment returns have been consistent for a number of years and are not at the expense of any exposure of loan to value covenants that would put these investments at risk.

Reserves policy

The unrestricted fund represents the unrestricted funds arising from past operating results.

The trustees are satisfied that the balance of the fund is an acceptable level of reserves given the nature of revenue receipts against grants payable.

In considering the financial obligations of the charity, the trustees have resolved to maintain a minimum reserve, being the current assets of the charity.

The trustees have considered the fair value of the investment property taking into account the loan to value of the properties as well as the nature and exposure of the syndicate properties. The trustees consider the holding value to be the fair value.

The trustees are delighted to have made many valuable contributions to the community as a result of this income and hope to be able to do so for many years to come.

The trustees feel that the activity reflects the profile and standing within the local community. The impact for future years' expenditure is self-evident and the trustees would like to record their appreciation for all the financial support received from benefactors during the course of the year.

The free reserves, represented by the net current assets of the charity stand at £11,646 all of which are restricted.

The trustees' annual report was approved on 22 January 2025 and signed on behalf of the board of trustees by:

J Waldman Trustee

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A B Foundation

Independent Examiner's Report to the Trustees of A B Foundation

Year ended 31 March 2024

I report to the trustees on my examination of the financial statements of A B Foundation ('the charity') for the year ended 31 March 2024.

Responsibilities and basis of report

As the trustees of the charity you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

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

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair' view which is not a matter considered as part of an independent examination.

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

Mr Howard Schwalbe ACA

Independent Examiner

2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

22 January 2025

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A B Foundation

Statement of Financial Activities

Year ended 31 March 2024

2024 2023
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 4 19,000 19,000 25,045
Investment income 5 118,778 118,778 257,209
-------------------------------- ---------------------------- -------------------------------- --------------------------------
Total income 118,778 19,000 137,778 282,254
================================ ============================ ================================ ================================
Expenditure
Expenditure on charitable activities 6,7 132,320 7,250 139,570 231,824
-------------------------------- ---------------------------- -------------------------------- --------------------------------
Total expenditure 132,320 7,250 139,570 231,824
================================ ============================ ================================ ================================
-------------------------------- ---------------------------- -------------------------------- --------------------------------
Net (expenditure)/income and net
movement in funds (13,542) 11,750 (1,792) 50,430
================================ ============================ ================================ ================================
Reconciliation of funds
Total funds brought forward 397,686 397,686 347,256
-------------------------------- ---------------------------- -------------------------------- --------------------------------
Total funds carried forward 384,144 11,750 395,894 397,686
================================ ============================ ================================ ================================

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

The notes on pages 9 to 17 form part of these financial statements.

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A B Foundation

Statement of Financial Position

31 March 2024

2024 2023
Note £ £ £
Fixed assets
Investments 13 416,938 431,295
Current assets
Cash at bank and in hand 14,286 401
Creditors: amounts falling due within one year 14 2,640 1,320
---------------------------- -----------------------
Net current assets 11,646 (919)
-------------------------------- --------------------------------
Total assets less current liabilities 428,584 430,376
Creditors: amounts falling due after more than
one year 15 32,690 32,690
-------------------------------- --------------------------------
Net assets 395,894 397,686
================================ ================================
Funds of the charity
Restricted funds 11,750
Unrestricted funds 384,144 397,686
-------------------------------- --------------------------------
Total charity funds 16 395,894 397,686
================================ ================================

These financial statements were approved by the board of trustees and authorised for issue on 22 January 2025, and are signed on behalf of the board by:

J Waldman Trustee

The notes on pages 9 to 17 form part of these financial statements.

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A B Foundation

Notes to the Financial Statements

Year ended 31 March 2024

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 2 Merrybower Road, Salford, M7 4HE.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the 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) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Fair value

Debtors and creditors are fairly stated.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements did not require management to make judgements, estimates or assumptions that affect the amounts reported.

Fund accounting

Unrestricted funds held by the charity are funds that can be used in accordance with the charitable objects at the discretion of the trustees.

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

3. Accounting policies (continued)

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Investments

Unlisted equity investments are initially recorded at cost, and subsequently measured at fair value. If fair value cannot be reliably measured, assets are measured at cost less impairment.

Listed investments are measured at fair value with changes in fair value being recognised in income or expenditure.

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

3. Accounting policies (continued)

Investment property

Investment property is initially recorded at cost, which includes purchase price and any directly attributable expenditure.

Investment property is revalued to its fair value at each reporting date and any changes in fair value are recognised in income or expenditure.

If a reliable measure of fair value is no longer available without undue cost or effort for an item of investment property, it shall be transferred to tangible assets and treated as such until it is expected that fair value will be reliably measurable on an on-going basis.

Investments in joint ventures

Investments in jointly controlled entities accounted for in accordance with the cost model are recorded at cost less any accumulated impairment losses.

Investments in jointly controlled entities accounted for in accordance with the fair value model are initially recorded at the transaction price. At each reporting date, the investments are measured at fair value, with changes in fair value taken through income or expenditure. Where it is impracticable to measure fair value reliably without undue cost or effort, the cost model will be adopted.

Dividends and other distributions received from the investment are recognised as income without regard to whether the distributions are from accumulated profits of the joint venture arising before or after the date of acquisition.

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

3. Accounting policies (continued)

Financial instruments (continued)

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

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

Debt instruments are subsequently measured at amortised cost.

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

4. Donations and legacies

Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Donations
Donations
Grants
Grants receivable 19,000 19,000
-------------- ---------------------------- ----------------------------
19,000 19,000
============== ============================ ============================

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

4. Donations and legacies (continued)

Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Donations
Donations 25,045 25,045
Grants
Grants receivable
---------------------------- -------------- ----------------------------
25,045 25,045
============================ ============== ============================
Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Income from investment properties 118,778 118,778 257,209 257,209
================================ ================================ ================================ ================================
Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Charitable grants 131,000 7,250 138,250
Support costs 1,320 1,320
-------------------------------- ----------------------- --------------------------------
132,320 7,250 139,570
================================ ======================= ================================
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Charitable grants 230,430 230,430
Support costs 1,394 1,394
-------------------------------- -------------- --------------------------------
231,824 231,824
================================ ============== ================================
Expenditure on charitable activities by activity type
Activities
undertaken
Grant funding
Support Total funds Total fund
directly
of activities
costs 2024 2023
£ £ £ £ £
Charitable grants 1,750
136,500
138,250 230,504
Governance costs
1,320 1,320 1,320
-----------------------
--------------------------------
----------------------- -------------------------------- --------------------------------
1,750
136,500
1,320 139,570 231,824
======================= ================================ ======================= ================================ ================================

5. Investment income

6. Expenditure on charitable activities by fund type

7. Expenditure on charitable activities by activity type

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

8. Analysis of support costs

Analysis of
support costs Total 2024 Total 2023
£ £ £
General office 74
Governance costs 1,320 1,320 1,320
----------------------- ----------------------- -----------------------
1,320 1,320 1,394
======================= ======================= =======================
9. Analysis of grants
2024 2023
£ £
Grants to institutions
ABS Training Ltd 11,000 11,000
Beth Midrash Lemoros 4,500 3,000
Bnos Margulis Wiznitz 3,000
British Friends Of Yeshivas Shaarei Chochmo 4,000
Chasdei Chanah Simcha Gemach 3,000
Grants under £3,000 8,200 28,510
Institute for Higher Rabbinical Studies 3,000
M H Trust 3,500
Ohr Torah Ltd 7,500 16,500
Rabbinical Research College 21,500 39,900
Shalsheles 3,000
Talmud Torah Chinuch Norim 42,400 80,800
The Bersam Trust 14,400 33,000
The Sanz Foundation 5,000
Tiferes High School 3,220
YA & J A Foundation 5,000
Yeshiva Gedola Nezer Hatorah 12,000
-------------------------------- --------------------------------
136,500 230,430
-------------------------------- --------------------------------
Total grants 136,500 230,430
================================ ================================
10. Independent examination fees
2024 2023
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,320 1,320
======================= =======================

11. Staff costs

The average head count of employees during the year was Nil (2023: Nil).

No employee received employee benefits of more than £60,000 during the year (2023: Nil).

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

12. Trustee remuneration and expenses

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

13. Investments

Investment
properties
£
Cost or valuation
At 1 April 2023 431,295
Additions 118,393
Disposals (132,750)
--------------------------------
At 31 March 2024 416,938
================================
Impairment
At 1 April 2023 and 31 March 2024
Carrying amount
At 31 March 2024 416,938
================================
At 31 March 2023 431,295
================================

All investments shown above are held at valuation.

Investment properties

Investment properties

Investments in UK investment property comprise two investments made in investment property syndicates in the UK. The percentage holding in these syndicates is 50% and the charity has accounted for them on the fair value basis as per Para 25.15 of FRS 102 SORP. The trustees exert no significant influence over any of the investment syndicates.

Valuation of UK investment property is fair value in the opinion of the trustees.

14. Creditors: amounts falling due within one year

2024 2023
£ £
Accruals and deferred income 2,640 1,320
======================= =======================
15. Creditors: amounts falling due after more than one year
2024 2023
£ £
Other creditors 32,690 32,690
============================ ============================

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

16. Analysis of charitable funds

Unrestricted funds
At 01 At 31
Apr 2023 Income Expenditure Mar 2024
£ £ £ £
General funds 397,686 118,778 (132,320)
384,144
================================ ================================ ================================ ================================
At 01 At 31
Apr 2022 Income Expenditure Mar 2023
£ £ £ £
General funds 347,256 282,254 (231,824)
397,686
================================ ================================ ================================ ================================
Restricted funds
At 01 At 31
Apr 2023 Income Expenditure Mar 2024
£ £ £ £
Restricted fund - grants receivable 19,000 (7,250)
11,750
============== ============================ ======================= ============================
At 01 At 31
Apr 2022 Income Expenditure Mar 2023
£ £ £ £
Restricted fund - grants receivable
============== ============== ============== ==============
17. Analysis of net assets between funds
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Investments 416,938 416,938
Current assets 2,536 11,750 14,286
Creditors less than 1 year (2,640) (2,640)
Creditors greater than 1 year (32,690) (32,690)
-------------------------------- ---------------------------- --------------------------------
Net assets 384,144 11,750 395,894
================================ ============================ ================================
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Investments 431,295 431,295
Current assets 401 401
Creditors less than 1 year (1,320) (1,320)
Creditors greater than 1 year (32,690) (32,690)
-------------------------------- -------------- --------------------------------
Net assets 397,686 397,686
================================ ============== ================================

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A B Foundation

Notes to the Financial Statements (continued)

Year ended 31 March 2024

18. Related parties

Mr J Waldman, trustee of A B Foundation, is also a trustee of Belz Communities, Ohr Torah Ltd and The Bersam Trust.

During the year A B Foundation paid grants totalling £200, £7,500 and £14,400 to the Belz Communities, Ohr Torah Ltd and The Bersam Trust respectively.

19. Taxation

AB Foundation is a registered charity and therefore is not liable to income tax on income derived from its charitable activities, as it falls within the various exemptions available to registered charities.

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