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2022-12-31-accounts

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

Registered number: 08576827 Charity number: 1152922

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

TRUSTEE DIRECTORS' REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2022

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

CONTENTS

Page
Reference and administrative details of the charity, its Trustee Directors and advisers 1
Trustee Directors' report 2 - 5
Independent auditor's report on the financial statements 6 - 9
Statement of financial activities 10
Balance sheet 11 - 12
Statement of cash flows 13
Notes to the financial statements 14 - 31

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEE DIRECTORS AND ADVISERS

FOR THE YEAR ENDED 31 DECEMBER 2022

TRUSTEE DIRECTORS

Farouk Gulammohamed Ismail, Trustee Director Maqbul Hussain Mubeen, Trustee Director Gulam Ismail Nadat, Trustee Director Mehboob Ibrahim Patel, Trustee Director

COMPANY REGISTERED NUMBER

08576827

CHARITY REGISTERED NUMBER

1152922

REGISTERED OFFICE

77 Vaughan Gardens, Ilford, Essex, IG1 3PB

PRINCIPAL OPERATING OFFICE

Elmbridge Road, Ilford, IG6 3SW

INDEPENDENT AUDITOR

Clay Ratnage Strevens & Hills, Suite D, The Business Centre, Faringdon Avenue, Romford, Essex, RM3 8EN

BANKERS

HSBC Bank Plc, 126 High Road, Ilford, Essex, IG1 1DA

Al Rayan Bank Plc, 44 Hans Cres, Knightsbridge, London, SW1X 0LZ

Lloyds Bank Plc, 39 Threadneedle Street, London, EC2R 8AU

TREASURER

Yunus Mohamed Jasat

Page 1

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

TRUSTEE DIRECTORS' REPORT FOR THE YEAR ENDED 31 DECEMBER 2022

The Trustee Directors, who are also the directors of the charity for the purpose of the Companies Act, present their annual report together with the audited financial statements of the charity for the period 1 January 2022 to 31 December 2022. The Annual report serves the purposes of both a Trustee Directors' report and a directors' report under company law. The Trustee Directors confirm that the Annual report and financial statements of the charitable company comply with the current statutory requirements, the requirements of the charitable company's governing document and the provisions of the Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102) (effective 1 January 2019).

Since the charity qualifies as small under section 383, the Strategic report required of medium and large companies under the Companies Act 2006 (Strategic Report and Directors' Report) Regulations 2013 has been omitted.

OBJECTIVES AND ACTIVITIES

A. POLICIES AND OBJECTIVES

The objectives of the charity are to maintain land for the purpose of the burial of Muslims and to act on behalf of the Muslim community to meet their needs as regards the procedures and practices relating to the interment of the deceased. In setting objectives and planning for activities, the Trustee Directors have given due consideration to general guidance published by the Charity Commission relating to public benefit.

B. STRATEGIES FOR ACHIEVING OBJECTIVES

The charity owns for the above purpose: + the freehold interest of approximately 21.5 acres of land situated at Elmbridge Road, Hainault,

C. ACTIVITIES UNDERTAKEN TO ACHIEVE OBJECTIVES

The cemetery continued with its work of providing burial and funeral services to the Muslim community during the year at its Elmbridge Road and Five Oaks Lane sites.

Major works at the Maylands site relating to the construction of buildings, landscaping, burial areas and roads for vehicular access are in progress and nearing completion. Maylands is expected to be ready at some stage during the early part of 2024. Burials at this new site are expected to commence once the burial capacity at Five Oaks Lane is exhausted.

We have undertaken viability studies on a number of new sites which have not come to fruition. We continue to look for further sites to continue to meet the burial needs of the community.

A key priority for the charity is to achieve sufficient returns on its funds, balancing the need to do this against the need to maintain high levels of liquidity to fund further site acquisitions as and when the opportunity arises. To this end, the charity committed a further sum of approx. £4.5m towards further investment properties and investment in joint ventures.

Maintenance Provision

As explained in note 20 to the Accounts, a key obligation for the charity is the maintenance of graves for a period of 50 years from the date of burial. Now that the charity has been operational for over 20 years, there is a much better view on the resources required to maintaine graves at each of the charity’s operational sites. These Accounts as a result reflect a significant increase in the grave maintenance provision to take into account this reassessment of the resources required for maintenance.

Page 2

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

TRUSTEE DIRECTORS' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

OBJECTIVES AND ACTIVITIES (CONTINUED)

D. SOCIAL INVESTMENT POLICIES

The charity has made a number of investments, the purpose of which is to help fund its activities in particular the future long term maintenance requirements of cemeteries.

ACHIEVEMENTS AND PERFORMANCE

A. FUNDRAISING ACTIVITIES AND INCOME GENERATION

In addition to its income from burial fees, the charity continued during the year to receive donations, which it used to help fund its activities. The details of income and expenditure are shown in the attached Statement of Financial Activities.

FINANCIAL REVIEW

A. GOING CONCERN

After making appropriate enquiries, the Trustee Directors have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the financial statements.

B. RESERVES POLICY

The Trustee Directors consider the maintenance of reserves to fund the future maintenance of the cemetery, including in particular the graves, to be of paramount importance and therefore a key priority. The accounts include provisions for future grave maintenance which totals £21,632,072 (2021 - £17,141,784) at the year end.

In addition, as circumstances permit, the Trustee Directors intend to build a portfolio of investments to provide income for the upkeep and maintenance of the cemetery including the graves.

Burial fees are reviewed regularly to ensure that adequate funds can be retained by the charity for future upkeep and maintenance.

Unrestricted reserves at the year end total £11,946,429 (2021 - £12,883,168) , and restricted reserves at the year end total £59,302 (2021 - £Nil) .

C. PRINCIPAL RISKS AND UNCERTAINTIES

The Trustee Directors have assessed the major risks to which the charity is exposed and are satisfied that systems and procedures are in place to mitigate our exposure to the major risks. The Trustee Directors have assessed the risks and uncertainties relating to the Coronavirus and the challenges this represents and have put in plans to mitigate these risks with safety as a priority.

Page 3

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

TRUSTEE DIRECTORS' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

STRUCTURE, GOVERNANCE AND MANAGEMENT

A. CONSTITUTION

Gardens of Peace Muslim Cemetery is registered as a charitable company limited by guarantee and was set up by a Memorandum of Association.

B. METHODS OF APPOINTMENT OR ELECTION OF TRUSTEE DIRECTORS

The management of the charity is the responsibility of the Trustee Directors who are elected and co-opted under the terms of the Memorandum of Association.

C. ORGANISATIONAL STRUCTURE AND DECISION-MAKING POLICIES

The charity was incorporated as a company limited by guarantee in 2013 and, with effect from 1 January 2014, had transferred to it the assets of Gardens of Peace Muslim Cemetery Trust, a charity formed as a trust. The company is governed by a memorandum and articles of association. In addition a novation agreement was entered into between the Trust and the company under which the company assumed the liabilities of the Trust with effect from the same date.

The purpose behind the above change was only to change the legal basis of the charity from a Trust to a company limited by guarantee as the Trustee Directors believe the latter to be a more appropriate form of constitution.

Trustees' Meetings are held regularly. There is regular email and phone contact with the cemetery managers and staff depending on needs.

D. FINANCIAL RISK MANAGEMENT

The Trustee Directors have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the charity, and are satisfied that systems and procedures are in place to mitigate exposure to the major risks.

MEMBERS' LIABILITY

The Members of the charity guarantee to contribute an amount not exceeding £10 to the assets of the charity in the event of winding up.

Page 4

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

TRUSTEE DIRECTORS' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

STATEMENT OF TRUSTEE DIRECTORS' RESPONSIBILITIES

The Trustee Directors (who are also the directors of the charity for the purposes of company law) are responsible for preparing the Trustee Directors' 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 Trustee Directors to prepare financial statements for each financial . Under company law, the Trustee Directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the charity and of its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the Trustee Directors are required to:

The Trustee Directors are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity 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 charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

DISCLOSURE OF INFORMATION TO AUDITOR

Each of the persons who are Trustee Directors at the time when this Trustee Directors' report is approved has confirmed that:

AUDITOR

The auditors, Clay Ratnage Strevens & Hills, has indicated its willingness to continue in office. The Designated Trustee Directors will propose a motion re-appointing the auditor at a meeting of the Trustee Directors.

Approved by order of the members of the board of Trustee Directors on 29 September 2023 and signed on their behalf by:

Farouk Gulammohamed Ismail

Trustee Director

Page 5

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GARDENS OF PEACE MUSLIM CEMETERY

OPINION

We have audited the financial statements of Gardens of Peace Muslim Cemetery (the 'charitable company') for the year ended 31 December 2022 which comprise the Statement of financial activities, the Balance sheet, the Statement of cash flows and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

BASIS FOR OPINION

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

CONCLUSIONS RELATING TO GOING CONCERN

In auditing the financial statements, we have concluded that the Trustee Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charitable company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the Trustee Directors with respect to going concern are described in the relevant sections of this report.

Page 6

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GARDENS OF PEACE MUSLIM CEMETERY (CONTINUED)

OTHER INFORMATION

The other information comprises the information included in the Annual report other than the financial statements and our Auditor's report thereon. The Trustee Directors are responsible for the other information contained within the Annual report. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

MATTERS ON WHICH WE ARE REQUIRED TO REPORT BY EXCEPTION

We have nothing to report in respect of the following matters where the Charities (Accounts and Reports) Regulations 2008 requires us to report to you if, in our opinion:

RESPONSIBILITIES OF TRUSTEES

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

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

Page 7

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GARDENS OF PEACE MUSLIM CEMETERY (CONTINUED)

AUDITOR'S RESPONSIBILITIES FOR THE AUDIT OF THE FINANCIAL STATEMENTS

We have been appointed as auditor under section 144 of the Charities Act 2011 and report in accordance with the Act and relevant regulations made or having effect thereunder.

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

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

To identify risks of material misstatement due to fraud (“fraud risks”) we assessed events or conditions that could indicate an incentive or pressure to commit fraud or provide an opportunity to commit fraud. Our risk assessment procedures included:

Potential fraud risks that had been identified throughout the planning and commencement of the audit were communicated to the audit team.

The inherent limitations of audit present an unavoidable risk that we, the auditors, may not have detected some material misstatements within the financial statements despite proper planning and performance of our duties as auditors. Equally, there remains a risk of the non-detection of fraud which could involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal controls. The audit procedures carried out are designed to detect material misstatements within the financial statements, and as such we take no responsibility for preventing non-compliance or fraud and cannot be expected to detect non-compliance with all laws and regulations.

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

Page 8

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GARDENS OF PEACE MUSLIM CEMETERY (CONTINUED)

USE OF OUR REPORT

This report is made solely to the charitable company's trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. Our audit work has been undertaken so that we might state to the charitable company's trustees those matters we are required to state to them in an Auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charitable company and its members, as a body, for our audit work, for this report, or for the opinions we have formed.

CLAY RATNAGE STREVENS & HILLS

Statutory Auditors

Suite D

The Business Centre

Faringdon Avenue

Romford

Essex

RM3 8EN

29 September 2023

Clay Ratnage Strevens & Hills are eligible to act as auditors in terms of section 1212 of the Companies Act 2006.

Page 9

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING INCOME AND EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 31 DECEMBER 2022

Note
Income from:
Donations and legacies
4
Charitable activities
5
Investments
6
Total income
Expenditure on:
Investment management
7
Charitable activities:
8
Burial and funeral services
Governance cost
Total expenditure
Net (expenditure)/income
Transfers between funds
21
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
funds
2022
£
156,156
4,813,931
127,169
5,097,256
10,816
5,836,684
201,445
6,048,945
(951,689)
14,950
(936,739)
12,883,168
(936,739)
11,946,429
Restricted
funds
2022
£
82,352
-
-
82,352
-
8,100
-
8,100
74,252
(14,950)
59,302
-
59,302
59,302
Total
funds
2022
£
238,508
4,813,931
127,169
5,179,608
10,816
5,844,784
201,445
6,057,045
(877,437)
-
(877,437)
12,883,168
(877,437)
12,005,731
Total
funds
2021
£
165,258
6,088,907
105,414
6,359,579
10,218
3,428,174
217,005
3,655,397
2,704,182
-
2,704,182
10,178,986
2,704,182
12,883,168

The Statement of Financial Activities includes all gains and losses recognised in the year.

The notes on pages 14 to 31 form part of these financial statements.

Page 10

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY (A company limited by guarantee) REGISTERED NUMBER: 08576827

BALANCE SHEET AS AT 31 DECEMBER 2022

Note
Fixed assets
Intangible assets
13
Tangible assets
14
Investments
16
Investment property
15
Current assets
Debtors
17
Cash at bank and in hand
Creditors: amounts falling due within one year
18
Net current assets
Total assets less current liabilities
Creditors: amounts falling due after more than
one year
19
Provisions for liabilities
20
Total net assets
Charity funds
Restricted funds
21
Unrestricted funds
21
Total funds
417,102
9,286,000
9,703,102
(175,228)
2022
£
8,942
18,047,017
3,917,376
2,599,907
24,573,242
9,527,874
34,101,116
(463,313)
(21,632,072)
12,005,731
59,302
11,946,429
12,005,731
697,754
12,868,943
13,566,697
(288,700)
2021
£
2,869
15,178,131
1
2,039,523
17,220,524
13,277,997
30,498,521
(473,569)
(17,141,784)
12,883,168
-
12,883,168
12,883,168

The entity was entitled to exemption from audit under section 477 of the Companies Act 2006.

The members have not required the entity to obtain an audit for the year in question in accordance with section 476 of the Companies Act 2006.

However, an audit is required in accordance with section 144 of the Charities Act 2011.

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

Page 11

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee) REGISTERED NUMBER: 08576827

BALANCE SHEET (CONTINUED) AS AT 31 DECEMBER 2022

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

The financial statements were approved and authorised for issue by the Trustee Directors on 29 September 2023 and signed on their behalf by:

Farouk Gulammohamed Ismail

Trustee Director

The notes on pages 14 to 31 form part of these financial statements.

Page 12

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 31 DECEMBER 2022

Note
Cash flows from operating activities
Net cash generated in operating activities
Cash flows from investing activities
Dividends, interests and rents from investments
Purchase of intangible assets
Purchase of fixed assets
Purchase of investments
Net cash used in investing activities
Change in cash and cash equivalents in the year
Cash and cash equivalents at the beginning of the year
Cash and cash equivalents at the end of the year
2022
£
3,703,162
127,169
(6,550)
(3,489,349)
(3,917,375)
(7,286,105)
(3,582,943)
12,868,943
9,286,000
2021
£
4,297,066
105,414
-
(2,423,088)
-
(2,317,674)
1,979,392
10,889,551
12,868,943

The notes on pages 14 to 31 form part of these financial statements

Page 13

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

1. GENERAL INFORMATION

The charity is a private company limited by guarantee and was incorporated in England and Wales. The members of the company are Trustee Directors named on page 1. In the event of the charity being wound up, the liability in respect of the guarantee is limited to a sum not exceeding £10 per member of the charity. The charity's registered office is 77 Vaughan Gardens, Ilford, Essex, IG1 3PB. The nature of the charity's operations and principal activities are to maintain land for the purpose of burial of Muslims and to act on behalf of the Muslim community to meet their needs as regards the procedures and practices relating to the interment of the deceased.

2. ACCOUNTING POLICIES

2.1 BASIS OF PREPARATION OF FINANCIAL STATEMENTS

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Gardens of Peace Muslim Cemetery meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

2.2 GOING CONCERN

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

2.3 INCOME

Burial fees are recorded as income for the period in which they fall due based on the date of burial. Investment income is allocated to the appropriate fund.

Donations are shown as income in the period in which they are received.

Monies received as advanced payments for burial fees are taken to creditors in the balance sheet and will be taken to revenue funds as and when the burial takes place, to offset against the costs incurred relating to the burial.

2.4 EXPENDITURE

Resources expended are recognised in the period in which they are incurred.

Charitable activities and Governance costs are costs incurred on the charity's educational operations, including support costs and costs relating to the governance of the charity apportioned to charitable activities.

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 allocated on the portion of the asset’s use.

Page 14

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

2. ACCOUNTING POLICIES (CONTINUED)

2.4 EXPENDITURE (CONTINUED)

Expenditure on raising funds includes all expenditure incurred by the charity to raise funds for its charitable purposes and includes costs of all fundraising activities events and non-charitable trading.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

2.5 TAXATION

The charity is considered to pass the tests set out in Paragraph 1 Schedule 6 of the Finance Act 2010 and therefore it meets the definition of a charitable company for UK corporation tax purposes. Accordingly, the charity is potentially exempt from taxation in respect of income or capital gains received within categories covered by Chapter 3 Part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992, to the extent that such income or gains are applied exclusively to charitable purposes.

2.6 INTANGIBLE ASSETS AND AMORTISATION

Intangible assets are capitalised and recognised when future economic benefits are probable and the cost or value of the asset can be measured reliably.

Intangible assets are initially recognised at cost. After recognition, under the cost model, intangible assets are measured at cost less any accumulated amortisation and any accumulated impairment losses.

Amortisation is provided on intangible assets at rates calculated to write off the cost of each asset on a straightline basis over its expected useful life.

The estimated useful lives are as follows:

Trademarks - 20 years

2.7 TANGIBLE FIXED ASSETS AND DEPRECIATION

Tangible fixed assets are initially recognised at cost. After recognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. All costs incurred to bring a tangible fixed asset into its intended working condition are included in the measurement of cost.

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives .

Depreciation is provided on the following bases:

Page 15

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

2. ACCOUNTING POLICIES (CONTINUED)

2.8 INVESTMENTS

Investments in subsidiaries are valued at cost less provision for impairment.

Investments in joint ventures are stated at cost less any accumulated impairment losses. Distributions received from the investment shall be recognised as income in the Statement of financial activities.

2.9 INVESTMENT PROPERTY

Investment property is carried at fair value determined annually by the Trustee Directors and derived from the current market rents and investment property yields for comparable real estate, adjusted if necessary for any difference in the nature, location or condition of the specific asset. No depreciation is provided. Changes in fair value are recognised in the Statement of financial activities.

2.10 DEBTORS

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

2.11 CASH AT BANK AND IN HAND

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

2.12 LIABILITIES

Liabilities are recognised when there is an obligation at the Balance sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

2.13 FINANCIAL INSTRUMENTS

The charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

2.14 PENSIONS

The charity operates a defined contribution pension scheme and the pension charge represents the amounts payable by the charity to the fund in respect of the year.

Page 16

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

2. ACCOUNTING POLICIES (CONTINUED)

2.15 FUND ACCOUNTING

General funds are unrestricted funds which are available for use at the discretion of the Trustee Directors in furtherance of the general objectives of the charity and which have not been designated for other purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

3. CRITICAL ACCOUNTING ESTIMATES AND AREAS OF JUDGMENT

Estimates and judgments are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Critical accounting estimates and assumptions:

The charity makes estimates and assumptions concerning the future. The resulting accounting estimates and assumptions will, by definition, seldom equal the related actual results.

Critical areas of judgment:

The valuation of investment property at £2,599,907 (2021 - £2,039,523) have been made.

The estimate of future grave maintenance costs totalling £21,632,072 (2021 - £17,141,784) have been made.

4. INCOME FROM DONATIONS AND LEGACIES

Donations
Total 2021
Unrestricted
funds
2022
£
156,156
157,658
Restricted
funds -
Burial fund
2022
£
74,252
-
Restricted
funds - Other
2022
£
8,100
7,600
Total
funds
2022
£
238,508
165,258
Total
funds
2021
£
165,258

Page 17

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

5. INCOME FROM CHARITABLE ACTIVITIES

Income from charitable activities - Burial and funeral services
Total 2021
6.
INVESTMENT INCOME
Investment income - investment properties
Investment income
Total 2021
7.
INVESTMENT MANAGEMENT COSTS
Investment management fees
Total 2021
Unrestricted
funds
2022
£
4,813,931
6,088,907
Unrestricted
funds
2022
£
94,800
32,369
127,169
105,414
Unrestricted
funds
2022
£
10,816
10,218
Total
funds
2022
£
4,813,931
6,088,907
Total
funds
2022
£
94,800
32,369
127,169
105,414
Total
funds
2022
£
10,816
10,218
Total
funds
2021
£
6,088,907
Total
funds
2021
£
84,050
21,364
105,414
Total
funds
2021
£
10,218

Page 18

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

8. ANALYSIS OF EXPENDITURE ON CHARITABLE ACTIVITIES

SUMMARY BY FUND TYPE

Burial and funeral services
Total 2021
SUMMARY BY EXPENDITURE TYPE
Staff costs
2022
£
Burial and funeral services
834,592
Total 2021
912,043
Unrestricted
funds
2022
£
6,038,129
3,637,579
Depreciation
2022
£
60,556
70,880
Restricted
funds
2022
£
8,100
7,600
Other costs
2022
£
5,151,081
2,662,256
Total
2022
£
6,046,229
3,645,179
Total
2022
£
6,046,229
3,645,179
Total
2021
£
3,645,179
Total
2021
£
3,645,179

9. ANALYSIS OF EXPENDITURE BY ACTIVITIES

Burial and funeral services
Total 2021
Activities
undertaken
directly
2022
£
5,844,784
3,428,174
Support costs
2022
£
201,445
217,005
Total
funds
2022
£
6,046,229
3,645,179
Total
funds
2021
£
3,645,179

Page 19

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

9. ANALYSIS OF EXPENDITURE BY ACTIVITIES (CONTINUED)

ANALYSIS OF DIRECT COSTS

Staff costs
Depreciation
Grave markers
Planks
Maintenance
Future maintenance provision
Light and heat
Rates
Telephone and internet
Motor, travel and plant running costs
Funeral services cost
Consultancy
TOTAL 2022
Total 2021
Burial and
funeral
services
2022
£
719,695
60,556
184,897
46,049
217,114
4,490,288
23,035
10,093
7,298
32,788
5,091
47,880
5,844,784
3,428,174
Total
funds
2022
£
719,695
60,556
184,897
46,049
217,114
4,490,288
23,035
10,093
7,298
32,788
5,091
47,880
5,844,784
3,428,174
Total
funds
2021
£
795,523
70,880
93,272
119,752
217,035
2,006,208
14,815
21,504
7,967
24,492
8,846
47,880
3,428,174

Page 20

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

9. ANALYSIS OF EXPENDITURE BY ACTIVITIES (CONTINUED)

ANALYSIS OF SUPPORT COSTS

Burial and
funeral
services
2022
£
Staff costs
114,897
Printing, postage and stationery
3,075
Subscriptions
3,755
Insurance
14,067
Bank charges
6,692
Internal audit costs
18,420
Auditors' remuneration
11,510
Legal and professional fees
16,120
Computer costs
4,391
Training
-
Sundry expenses
2,801
Protective clothing and uniforms
5,717
TOTAL 2022
201,445
Total 2021
217,005
10.
AUDITOR'S REMUNERATION
Fees payable to the charity's auditor for the audit of the charity's annual accounts
Fees payable to the charity's auditor in respect of:
All non-audit services not included above
Total
funds
2022
£
114,897
3,075
3,755
14,067
6,692
18,420
11,510
16,120
4,391
-
2,801
5,717
201,445
217,005
2022
£
9,745
1,765
Total
funds
2021
£
116,520
5,541
3,575
14,224
12,893
17,064
11,002
28,089
2,664
2,700
73
2,660
217,005
2021
£
9,282
1,680

Page 21

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

11. STAFF COSTS

Wages and salaries
Social security costs
Contribution to defined contribution pension schemes
2022
£
748,981
71,331
14,280
834,592
2021
£
820,043
75,480
16,520
912,043

The average number of persons employed by the charity during the year was as follows:

Trustee Director
Employees
2022
No.
1
24
25
2021
No.
1
27
28

No employee received remuneration amounting to more than £60,000 in either year.

During the year £47,895 (2021 - £47,895) was paid to the trustee, Mehboob Ibrahim Patel, in relation to services provided in the running of the company.

£24,725 (2021 - £24,020) was paid to Shaahid Patel in the year in relation to services provided in the running of the cemetery. Shaahid Patel is the son of the Trustee Director Mehboob Ibrahim Patel.

None of the other trustees or any persons connected with them received any remuneration during the year.

12. TRUSTEE DIRECTORS' REMUNERATION AND EXPENSES

2022 2021
£ £
Mehboob Ibrahim Patel Remuneration 47,895 47,895
Pension contributions paid - 729

During the year ended 31 December 2022, no Trustee Director expenses have been incurred (2021 - £NIL) .

Page 22

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

13. INTANGIBLE ASSETS

COST
At 1 January 2022
Additions
At 31 December 2022
AMORTISATION
At 1 January 2022
Charge for the year
At 31 December 2022
NET BOOK VALUE
At 31 December 2022
At 31 December 2021
Trademarks
£
3,019
6,550
9,569
150
477
627
8,942
2,869

The transactions above related to the legal costs incurred in respect of registering trademarks for Gardens of Peace Muslim Cemetery. This is being amortised over twenty years.

Page 23

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

14. TANGIBLE FIXED ASSETS

COST
At 1 January 2022
Additions
At 31 December 2022
DEPRECIATION
At 1 January 2022
Charge for the year
At 31 December 2022
NET BOOK VALUE
At 31 December 2022
At 31 December 2021
15.
INVESTMENT PROPERTY
VALUATION
At 1 January 2022
Additions
At 31 December 2022
Freehold land
and buildings
£
14,936,018
2,928,965
17,864,983
-
-
-
17,864,983
14,936,018
Plant and
machinery
£
448,816
-
448,816
206,703
60,079
266,782
182,034
242,113
Total
£
15,384,834
2,928,965
18,313,799
206,703
60,079
266,782
18,047,017
15,178,131
Freehold
investment
property
£
2,039,523
560,384
2,599,907

The 2022 valuations were made by the Trustee Directors, on an open market value for existing use basis.

Page 24

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

16. FIXED ASSET INVESTMENTS

COST OR VALUATION
At 1 January 2022
Additions
At 31 December 2022
NET BOOK VALUE
At 31 December 2022
At 31 December 2021
Investments
in subsidiary
companies
£
1
-
1
1
1
Investment in
joint ventures
£
-
3,917,375
3,917,375
3,917,375
-
Total
£
1
3,917,375
3,917,376
3,917,376
1

PRINCIPAL SUBSIDIARIES AND JOINT VENTURES

The following was a subsidiary undertaking of the charity:

Name Company Registered office or principal place Principal activity
number of business
GOP Funeral Services Ltd 11310221 77 Vaughan Gardens, Ilford, Essex, Dormant
IG1 3PB
Class of Holding
shares
Ordinary 100%

The financial results of the subsidiary for the year were:

Name Net assets £ GOP Funeral Services Ltd 1

Page 25

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

16. FIXED ASSET INVESTMENTS (CONTINUED)

The following was a joint venture of the charity:

Name
ANF & GOP Partnership
DEBTORS
DUE WITHIN ONE YEAR
Burial fees
Other debtors
Prepayments and accrued income
Fair value of
investment
£
3,917,375
2022
2021
£
£
11,700
2,755
387,870
673,370
17,532
21,629
417,102
697,754
Fair value of
investment
£
3,917,375
2022
2021
£
£
11,700
2,755
387,870
673,370
17,532
21,629
417,102
697,754
697,754

17. DEBTORS

18. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

Trade creditors
Other taxation and social security
Pension fund loan payable
Other creditors
Accruals and deferred income
2022
£
22,864
12,719
1,919
4,165
133,561
175,228
2021
£
89,603
16,212
2,289
53,612
126,984
288,700

Included in other creditors is an amount of £3,500 (2021 - £53,200) which represents amounts advanced to the charity on an interest free basis to enable it to fund the development of the cemetery. These amounts are repayable on request by the lendors.

Page 26

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

19. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR

Advanced payments

2022 2021
£ £
463,313 473,569

Advanced payments represent monies received for future burials, as further explained in the accounting policies note 2.3.

20. PROVISIONS

At 1 January 2022
Additions
Grave
maintenance
provision
£
17,141,784
4,490,288
21,632,072

GRAVE MAINTENANCE

The Trustee Directors recognise an obligation to maintain graves at the cemetery for a period of 50 years from the date of burial. Accordingly a provision is included in these accounts to cover the estimated cost over a 50 year period of maintaining each grave at the cemetery from the year of burial. The estimated cost is reviewed each year to take into account wages and other cost inflation. The charge against income in the year represents the estimated cost of maintenance of burials undertaken during the year as well as adjustments relating to wages and other cost inflation in relation to burials in earlier years.

Page 27

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

21. STATEMENT OF FUNDS

STATEMENT OF FUNDS - CURRENT YEAR

Balance at 31 Balance at 31
Balance at 1 Transfers December
January 2022 Income Expenditure in/out 2022
£ £ £ £ £
UNRESTRICTED FUNDS
General Funds - all funds 12,883,168 5,097,256 (6,048,945) 14,950 11,946,429
RESTRICTED FUNDS
Restricted funds - Burial fund
-
74,252 - (14,950) 59,302
RESTRICTED FUNDS
Restricted funds - Other - 8,100 (8,100) - -
TOTAL RESTRICTED
FUNDS - 82,352 (8,100) (14,950) 59,302
TOTAL OF FUNDS 12,883,168 5,179,608 (6,057,045) - 12,005,731
STATEMENT OF FUNDS - PRIOR YEAR
Balance at Balance at
1 January 31 December
2021 Income Expenditure 2021
£ £ £ £
UNRESTRICTED FUNDS
General Funds - all funds 10,178,986 6,351,979 (3,647,797) 12,883,168
RESTRICTED FUNDS
Restricted funds - Other - 7,600 (7,600) -
TOTAL OF FUNDS 10,178,986 6,359,579 (3,655,397) 12,883,168

Page 28

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

22. SUMMARY OF FUNDS

SUMMARY OF FUNDS - CURRENT YEAR

Balance at 31
Balance at 1 Transfers December
January 2022 Income Expenditure in/out 2022
£ £ £ £ £
General funds 12,883,168 5,097,256 (6,048,945) 14,950 11,946,429
Restricted funds - Burial fund - 74,252 - (14,950) 59,302
Restricted funds - Other - 8,100 (8,100) - -
12,883,168 5,179,608 (6,057,045) - 12,005,731
SUMMARY OF FUNDS - PRIOR YEAR
Balance at Balance at
1 January 31 December
2021 Income Expenditure 2021
£ £ £ £
General funds 10,178,986 6,351,979 (3,647,797) 12,883,168
Restricted fund - Other - 7,600 (7,600) -
10,178,986 6,359,579 (3,655,397) 12,883,168

Page 29

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

23. ANALYSIS OF NET ASSETS BETWEEN FUNDS

ANALYSIS OF NET ASSETS BETWEEN FUNDS - CURRENT YEAR

Tangible fixed assets
Intangible fixed assets
Fixed asset investments
Investment property
Current assets
Creditors due within one year
Creditors due in more than one year
Provisions for liabilities and charges
TOTAL
Unrestricted
funds
2022
£
18,047,017
8,942
3,917,376
2,599,907
9,333,557
(175,228)
(153,070)
(21,632,072)
11,946,429
Restricted
funds -
Funeral and
Burial funds
2022
£
-
-
-
-
369,545
-
(310,243)
-
59,302
Total
funds
2022
£
18,047,017
8,942
3,917,376
2,599,907
9,703,102
(175,228)
(463,313)
(21,632,072)
12,005,731

ANALYSIS OF NET ASSETS BETWEEN FUNDS - PRIOR YEAR

Tangible fixed assets
Intangible fixed assets
Fixed asset investments
Investment property
Current assets
Creditors due within one year
Creditors due in more than one year
Provisions for liabilities and charges
TOTAL
Unrestricted
funds
2021
£
15,178,131
2,869
1
2,039,523
13,299,458
(288,700)
(206,330)
(17,141,784)
12,883,168
Restricted
funds -
Funeral and
Burial funds
2021
£
-
-
-
-
267,239
-
(267,239)
-
-
Total
funds
2021
£
15,178,131
2,869
1
2,039,523
13,566,697
(288,700)
(473,569)
(17,141,784)
12,883,168

Page 30

DocuSign Envelope ID: 6C7F99B3-096E-41E8-801B-3D83DC09E2FA

GARDENS OF PEACE MUSLIM CEMETERY

(A company limited by guarantee)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

24. PENSION COMMITMENTS

The charity operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the charity in an independently administered fund. The pension cost charge represents contributions payable by the charity to the fund and amounted to £14,280 (2021 - £16,520) . Contributions totalling £1,919 (2021 - £2,288) were payable to the fund at the balance sheet date and are included in creditors.

25. RELATED PARTY TRANSACTIONS

2022 2021
£ £
Freehold land and buildings additions 44,460 50,523

The transactions included under Freehold land and building additions above, relate to GN Surveyors Ltd, Chartered Quantity Surveyors. Gulam Ismail Nadat, a Trustee Director, is a director in GN Surveyors Ltd and was excluded from the decision making process relating to the appointment of quantity surveyors to avoid any conflict of interest.

Page 31