CROYtKIN"' AFRICA￿ CARIBBEAN FAMILY ORGATr4lSATION UK
FIP*ANCIAL STATEIIENTS
YEAR ENDEDJIST NIARCH 2021
Charity Nllmber".
115i669
Business Address:
40 Northwood Road
Thornton Heath
Croydon CR7 8HQ
Management Cornmittee
Officers".
C Young OBE- Chair
W. Bemard- Treasurer
A Dennis-secretary {Hon Ald¢rman & Freeman)
Bankers..
Barclays Bank PLC
Brigsio¢k. Road Branch
Thornton Heath
Independent Examiners:
Lw Reid & Co.
Chartered Certifjed Accountants and
Regi51ered Audiiots
299 Northknry>ugh Road
Norbllry
tA)ndon SW16 4TR

CROYDON AFRICA.N CARIBBEAf* FAMILY ORGAf4isATION UK
IP4DEX TO THE FINANCIAL STATE.MEI%TS
YEAR ENDED 31ST MARCH 2021
COYTENTS
PAGE
ReFQrt of ihe Managetnent Commtttee
RtPDrt of ihe Indyndenk Examiner
Statement of Financial A¢tivitie5
Balance Sheet
Notes to the Financial Statements
8-12

REPORT OF THE MAYAGEMENTCOMMITTEE
TO TIIE TrIEMBERS OF
CROYDON AFRICAN CARIBBE.4) F,IMILI' ORGANISATION VK
CACFO UK h&s ple&sure in presentrng our rep)rt and the examined financial statement for the year ended 31
March 2021.
Siatus
CACFO UK turned 28 years old in ?O?l if counting froTll its inception in 1993. It became an
unincorwrated charity governed by a consti￿lI￿n adopted on 4 October 1994 (#[nrnd￿ ?0 June 19951. On 30
May 2014. it became a Charltable Incorrx)taÈed Organi5ation ?o¥emed by a Constitution with voting members
other tha￿ its charity trustees to limit liabilities. Ai the same lime. it rebadged &s CACFO UK.
Objective principal attivilies of the ¢h*rity
The objecis of CACFO UK are -10 promoie the ￿ner11 of. but noi ex¢lusivety. African and African Caribbean
des¢endants in the Ix>rouuh of Croydon without distinction of age. sex. race. political or reli¥ious OT Other
opinion5. by &ssociating the local authorities. voluntsry OTganisations and inhabitsnts in a common effort to
Provide facilities in ihe interests ofsocia] weifaff. education or re£Teation and leisure time occupation for the
benefiis of the resident5 of Croydon,.
Our thTte-pron8ed mission is to 'Carelor oiir IoLTih. Carefor our Flders, Carefor our Commiiniiy..
Development. *¢tivilies achievements for the year
The Manaoement Committee continued to PUT5U¢ CAFCO UK'S mission siatemenl primarily ihrough the
successful running tsf an Adult Day cen1￿. a comsnunity cenir¢ and an Alternative Education Provision
(independent day s¢h(K)11 for children excluded or aErf)ut ttTr bai risk of txclusion from mainstream education.
OUT Adult Trdy CeniTe is normally open 9 to 5. five days a weeK 52 weeks of the year bar Chrisimas and Bank
Holidays. Our elde￿ desire independence, dignity and self-reS￿L (hjr five-fold programme is designed to
help them Improve their physical and mental wellbeing through..
?roup exercises to stimulate the mind. e.g. arts & craft classes. regular qui4 reminiscing and memory
game sessions
group exercises to help physical fitness and promoie health>. lifestyles. e.g. seated exercise elasses and
Yoga 5e5sions- plus thlks by the Alzheimer's Society 8t￿ Briiish Heart Foundation. etc
liiil. group recreationa] activities. e.8. bingo. day trips ￿ the Seaside. cinem& e
nutritious meals.. about 5.0(K) cUltU￿lY and dietary sensitiwe lun¢he5 were prepared on-site and served
by our chef
Iv)
advice and signFA)sting t(p servr¢eK e.g. to Advisory Services Cn)ydon

REPORT OF THE NIANAGF.IIF.YT COMMITtEE
TO THF. MEIIBERS OF
CROYDON AFRICAY CARIBBEA) F..IMILI' ORGAP4ISATIOY IIK
Development. xttivitie$ ind aehiewerneDts for the year (Continutdl
ThTough this progrdmme we are highly succtssful at reducing the fttling of isolation and lonelines5 among
membeTS. We are also successful in helping elders to maNimise their independen¢e and wellbein& lo live in
their own homes for longer and. in many cases. we provided their only hot meal of ihe day.
There are usually aiK)Ut 10,000 visits to the eentre throughout the year. However. 2020QI was an)thing but
usual. The covirN19 Pandernic Ta¢ed awund ¢he world resuliing in lockdown of most social and economic
a¢tivity. The average age of CACFO Uk's Adult Ceniie was 85 years old. When the UK Governtnetlt
announce41 its lockdown njles in March ?O?O, all of our eldeT5 fell in ihe ¢ategory of vulnerable and required to
stay at home. The Day Ccntre therefore closed on 20 March ?O)O and retnained so throughout ihe 2020121
rinancial yeat infomied by continllous review and adherence to Governrnent COVID-19 guidelines. However,
demand from elders remained undimit)ished. in iernis ofneed for hot meals. exercise and social int¢Taction.
Ac¢ordingly. we developed a pack4oe of measures th* could be delivered using technology. e.g. Group chats
so elders remain in contact with each other where TK)ssible. dailv calls fTom CACFO volunieers to do readings
over the phone, reminiseinl
tic and even to encourage seated exercises at horne through the use of non-
illtrusive ie¢hnology, $0 n￿MberS did not forget thetr roulines. The e¥erci5e cl&sse5 proved particularly popular,
with elders quickly getting io gTiPS With Zcom and the online routines. Equally popular were a special serie5 of
interdetive WindTush reminiscing sessions run partnetship with a professional anisL aided by props and
special guesis. We also PTovid¢d a Covid seeure weekly meal delivery seTwce. offering one hot meal and a bag
of 8Tocerie5 for five day5. lo eldeT5 each Thursday in resp)nse io need. This service was delivered to the dooT
throughout the year. Chri51mas dintw was provided 100.
diveT5e plate thai allows young people io over(x)me challenges. fears and lack of confidence and to regain 5elf-
belief that they fdn excel in acadeTnic learning and peTsonal development. As in previous years, many pupils
arrived via the local authority increasingly from local %hools under our respite offer. Like the Adlllt Day
Cen¢re. the school also faced challenges stayin£ open due to COVID. In discussion with the Local Council, a
decisson was made io close the s¢hool on 25 March until 8fter the Easter break. It resumed on ?0 April but
providing a redured ¢urri¢ulum via a Virtual platfomi IDoodlcl. Fxclllding short pcriods in be￿e¢￿. il only
fully re0￿￿ed at the 5¢hool site, and with a full curriculum. on 8 March ?O?l.
Our social club reJnaind closed throughout the ￿riod.
The Management Cornmittee is grdteful to our team of volunte¢T5 who - 50 ably - help and support our small
ieam of paid staff. L2s¢ but noi leasu we extend our thanks to our elderly rnembers and their carers for their
continued supw)rt and dOn￿lonS io a g￿d cause and, of cgurse. lo our partners.

REPORT OF THF. MANAGEIILNT COMMITTEE
TO THE.%IENIBERS OF
CROYDON AFRICANI CARIBBE..IN F.4MILY ORGANISATIOIY UK
Finantial Positio
Details of the chafiW5 financial affairs for the ycar under review are shown on page5 6-12 of the firtancial
statement.
Reserves
It is the px)licy of the charity to maintsin unrestricted fvnds ￿ a level u'hich equale to 12 monrhs unresthcted
expenditUT¢. This provides sllffitient funds to cover managemenL adtninistraiion and sUPPOrt cost. Currently
most re5erve5 have been eami*ked for Specific projects.
Risk Management
The trustees actively reviem ihe major risk whi¢h the charitv faces on a ￿ulaT basis and believe thai
maintaining reserves ai cutTent level& combined wth an annual Teview of the controls over key fjnanrial
systems, will provide sutTicient rwurces in ihe event of advers¢ conditions. The trustees have also examined
other operational and business risks fa¢ed by the charity 2nd ¢onfitm that they have established 5ySt¢ms to
mitigate the signifjcant risks.
Man&gernent Committee
The members of the man￿ement comminee as at the end of Ehe yeai were..
Mr Callion Young
Mr Adrian Dertnis
Mr WIns￿n Bernard
Mr lan Griffith
Mr Zedford James
Mrs Hazel Davis
Secrelary
TieasuTer
MetnbEr
Member
Member
Retruitment #nd appointment of Man*gernent Committee
Under the requirements of ih¢ ￿)nstItUtION the Mernbe￿ of the Management Comttbittee are elected to serve for
a period of one year after which they must be re*le¢ted at the next Annual Generdl Meelin

REPORT OF THE M,IN.4GL"IILNT COMMITTEE
TO THF. MENIBERS OF
CROYDON.4FRICAN CARIBBE.4N F.4MJI,Y ORGAYISATION UK
Management Committee Responsibtlities For The Financial Statements
The law requires us the Mana￿eMcn1 commiliee lo prepare ihe financial statements for each year which give a
true and fair view of the state of aifairs of the Organi￿101) and of its sllrpllls and deficit for thai period. In
preparing the financial statements wr are required to=
lal
select suitsble accounting policres and apply them consistently through the years
Ibl
make judgements and estimat¢s that are reasotlable and prudent
state whether applicable accounting standards havt been follow¢d. subject to any material departures
that should be disclosed and explained in the financial st21emen¢s.
Id)
prepare the financial statements (>n the 80ing toncern b&sis unless li is inappropriate to presume that the
organisaiion will continlle in bu51ne5S.
We are responsible for keeping Proper accouniing records which dI￿10$t with reasonableaccuracy ￿ any time
the financial position of lh¢ charity and enable thern to ensute that the financial statements Comply with the
Ch3ritie5 Act ?01 i.
We are also responsible for safeguarding the assrts of the charity and tak-ing rea9)nable steps for the prevention
detection of frdlld and other irregulariiies should they exist.
Examiner
Me5srs Leroy Reid & Co. have inditated their willingness to serve as the indqKndent examiners and a
resolution re-apwinting them will be prO[￿d at the annuaj 8enern] meeting.
By.Qrder OfTht Management Committtt
Chairperson

REPORT OF THE EXAMIP4ERS TO THE MEMBERS
OF
CROYDOli AFRICAN CARIBBE.41 FAMILY ORGANISATION IIK
We report on the fin8n¢iaJ statements of the ¢harity for the year ended il st Ma￿h 2021. which are set out on
pages 6 to I
The financial rerM)rting frarnework that has been applied in their preparation ts appli¢able law and United
Kingdom Accouniing Stsndards including Financial RewTrrting Standard 102.
Respettive Respo￿51b111t1es of Trnstees and Examiners
As the charity's ITUStees. you are reswnsible for the PTepat*ion of the aecounts. You also consider that the
audit requirement of Section 1441?) of the Charities Act ?oi I (the 2011 Act) does not apply and thal an
independent exarninaiion is needed.
Having ￿l$fIed ourselves that Ihc charity is noi subject to an audit and is eligible for independent
examination, il is our responsibility 10:
e.xamine the accounts under seetion 145 of the 2011 Ael
lil). to follow the procedures laid down in the genetal DirectÈons given by the Charity Comrnis5ion under
section 14515Kbl of ihe ?01 l Act.. and
liiil. to state whether particular matters have come to our attention.
Basi5 of Indeptndtht Examiner's Report
Our examination was ¢aTried out in accordance with ihe Generdl Diretiion$ given by the Charity
Commissioners. An eiamination inelud&% a rewew of the xcounting recoids kept by the chariiy and a
comparison of the a¢¢oun15 presented with those records. li a150 includes consideration of any unusual items or
disclosures in the accounts, and 5¢ek"in4 explanations from you 3$ trustees concerning any such matters. The
procedu￿5 undertaken do not provide ￿1 the evidence that would be required in an audit. and consequently no
opinion is gÉven as to whether the accounts present a 'irue and fair view. and ihe rew>rt is limited io Iliose
matier$ Set out in the ststeTnent below
Independent Examiner's St4ternent
In conTh¢ction with our examination, no manet has come to our att¢￿tiOn=
which give us reasonable cause to believe that in any M￿trIal respect the requirements
to keep accounting records in xcordan¢e with Section 130 of ihe?O I l ACL and
to prepare accounts which oc¢ord wilh the accounting records at)d comply with the accounting
requiremenis of the 2011 Act have ￿0t been met. or
121
to which. in our opinion. attention should be drawn in order to enable a proper undersianding to be
reached.
LEROY REID & CO
CHARI'ERED CERTIFIED ACCOUNTANTS AND REGISTERED AUDITORS
299 NorthFK)rough Road
Norbury
London SW16 4TR

CROYDON .4FRICA% CARJBBF..4N FAMILI. ORG.IN.ISATION UK
STATEIIENT OF FIN.ANCIAL ACTIN'ITIES
YEAR F.NDF.D 31ST M.4RCH 2021
IYCOMING RESOURCES
NOTES
Restri
Unrestricted
2021
2020
Charitsble activities
Grants
Generdted funds
Activities and t)onations
Bank Interesi
Tot81 incoming resource5
Ilb1&2
44.032
44.032
46.913
Ilb1&3
Ilbl
85.075
19
179.126
85.075
19
129.126
249.124
69
296.106
RESOURCES EXPENDED
charl￿ble activities
Ilg1&4
170.870
170,870
302,895
Totsl resources expended
170.870
170.870
302,895
Net Incoming resouT¢es
141.7441
141.7441
16,7891
Funds brought fon¥ard
76,416
Futtd5 carried fonvard
£0
4ffi72
£34.672
£76,416
There were no recognised ￿n$ and losses other than those p&ssing through ihe Income and Expenditure
The accompanying notes fonn an iniegrnl part of the accounts

CROYDON .4FRIC.AN C.ARIIIBL.4N FAMILI, ORGANISATION UK
BALA￿CE SHEET AS ATJIST MARCH 21121
NOTES
2021
2020
FIXED ASSETS
27.416
26.898
CURRENT ASSETS
ash and bank balances
61,080
20,873
61.080
CREDITOILS: Amoun1$ falling due within ont year
18.6171
111.5621
NET CURRENT (LIABILITIES) ASSETS
12.256
49.518
NET A&SETS
£34.6n
£76.416
FINANCED BY:
UNRES'fRICTED FUNDS
GeneTal fund
Designated fund
14.672
20,0(M)
56.416
20.000
£34ffj72
£76,416
Approved by the man￿£￿ent Committee aTtd signed its behalf..
Chatrperson..............
Tre&surer.................................................
Date.
The a¢c4)mpanying not¢s fonn an intrgtal part of the ac¢ounts

CROyD0￿ AFRICAN C.4RIBBEAN FAMILTr' ORGAISISATION UK
OTES TO THE FIY,IYCI,IL STATEMENTS
Tr"L.4R E)DED 31ST NIARCII 2021
ACCOUNTING POLICIES
{al Aceounting Convention
The accourtis are Prepared under the hiMoTical c051 convention.
The fIr￿claI siaiements have been prepared in accordan¢e with the statement of Rteommended
Practice.. Accounting and RerM)rting by Charities preparin? iheiT accounts in accordance with tlie
Financial Reporting StandaTd applicable in the UK and Republic of Ireland Icharities SORP FRS 102
and the Charities Aci ?0 I I l.
CACFO UK eonstttuies a public benefit eniity as defined by FRS 102
{bl Income
All in¢oTning resources a￿ included in the statemeni of financial activities when the charity is eniitled io
the income and the amount ¢aN be quanÉifJed with reasonable accurdry. The following Sp￿lf1¢ policie5
art applied to particulat categories of income".
Volunthry income is received by way of grants, donations and gift and is not conditional on ihe deltvery
of a specbfic perfornian¢e by the company, and is recognised when the ¢h8rtty be£omo% unconditionally
entitled to the gran¢.
Investmeni income is included when receivable.
Incoming res()ui¢es frorn charitable ttading activity are atcounted for when earned. ItLcornin8 resources
from grants. where related io perfortnance and deliv¢iabl¢s. are ac£ollnied for as the charity eams ihe
right io the ¢OTt5id¢ration by its perfotrnance.
Ic) Deprt¢i#tion
Depre¢iaiion is provided a¢ rate5 which are iniended to write off the cosi of the asseis over iheir
esiimated useful livcs as follows=
Motor Vehicles
Equipment and Furnitur¢
loo
25QA
Id) Fund Accounting
Grdnts and similar income which are s￿bJeC(¢d to restrictions by the donors are shown as reslricled
runds and any expendililte incurred ￿711 be sel off against the fund. All other intome and expendiiure
are shown as unrestricted.

CROYDOTri ATr'RICAli CARIBBEAfi F,*MILI'" ORGANISATION IIK
P40TES TO THL FlTr*ANCIAL STATENIEN'rs
I'EAR ENDED315T M.4RCH 2021
lel Resources Expended
Resources expended are included in the St￿eMen1 of Financial Activities on an accrual basis, inclusive
of any V AT. which cannot be recovered. Expenditure which is directly attributable to specific activates
has been included in these ¢osi cate￿Ories. Where costs are attributable its It￿re tlian one a¢iivity, they
have been ap￿rtIoned across the cosi categories on a tonsisteni b&sis with the use of these resources.
ID
Value added t*x
Value added t&x is Dot recovetable by the Charity aTtd as such is included in the relevant costs in the
S¢at¢Tnent of Fittancial Acliviiiek
Igl Charltable activtiies
Cost of activities repre5ent5 ihose cost incurr¢d by the charity in the delivery of its activities and
seTViC¢S for the beneficiartes. It includes tK)th cosi can be allocated directly to such activities and
those cost of an indir￿1 naluie necessary 10 5UPIK>rt ihern.

10
CROVDON,IFRIC,I) CARIBBF..4Tr4' F..IMILI' ORGANISATIOY UK
)OTES TO I'IIE FINANCIAL ST.4TLMENTS (COliTl%I UED)
YEAR EPiDED31ST M.4RC.H 2021
2 GRANTS
Resiricied Urtre5tricted
2021
2020
Croydon Council-voluntary Seelor
44.032
46,913
£46.913
£44,Oi2
£44,032
ACTIVITIES AND DOPIATIONS
School Fees
Lllncheon ¢lub
Hall hire
Fundraisirtg and others
Resthctd Unrestrict
77.083
4,-181
420
i.191
£S5,075
2021
77,083
4,381
420
2020
71,707
4,575
£85.075
£249.124
4 CHARITABLE ACTITr'ITIES
Salarie% and wages
Pension tosis
Rent and rate5
Special events and conferences
Trdvel and subsisttnce
Volun¢eer cost and expetlses
Agency fees
Caiering. fo(Ml and pmvision
Training and development
Teachinu and suptK)rt seThices
Coach and motor ruThning cost
General expenses
Light and heat
Repairs, maintenance and cleaning
Computer consuTnables
Postage, station￿. printing & telephone
lTrteTest and bank Charges
DepTeciation
Accountarw and e¥amination
Insurance and licen¢es
Restrtcled U[￿eStrIcted
2021
45,961
945
8.8(M)
2.505
2020
114,880
1188
8,672
10.060
45.961
94)
8.8(Kl
2.50)
3.299
3.299
6.546
9,427
7.711
89.923
7.969
57?
3.991
12,023
2.961
3,382
572
1.042
1.042
802
74,603
3,401
480
3,193
2,610
2.049
?.769
314
4.482
2.675
10.940
£170.870
74.603
i.401
480
2.610
2.(H9
2.769
314
4.48?
?.675
10.940
£0 £170.870
4.482
£30? 895

CROYDON AFRICAN CARIBBEAN FAMILY ORGANISATION UK
TriOTES TO TFIF. FIN.&N'CIAL s'fATEMENTS (COliTI￿,UED)
I'EAR EYDED31ST hlARCH 2021
FIXED ASSETS
lotor FurNilure &
Vehicle E
ui
Total
COST OR VALUATION
oPe￿illg balance
Additions for the year
Diswsal
Closing bala[￿e
44.826
22.864
67,690
44.826
22,864
67,690
ACCUMULATED DEPRECIATtON
Opening balance
ChaTge for the year
Diswsal
Closing balarKe
17.928
4.489
22.864
40,792
4.482
2?.410
22,864
45274
NFf BOOK VALUE
at 3 1st March ?O?I
£22.416
£0
£22,416
as at 3 1st Mareh 20?0
£26.898
£0
£26,898
6 CASH AND BANK BALAiYCES
2021
21120
Cash in hand
Barclays Bank Icommuniry a¢countl
Barclays Bank IEduGqtionl
Barclays Bank IFundraising account)
Barclays Bank IWindTush Dayl
Barclays Bank ITreasur)' account
49
3.975
673
49
1,640
30,543
848
80
16,019
£20,873
28.000
£61,080

12
CROYDOP4 AFRICAN CARIBBEA% FAMILY ORGANISATION UK
IIOTES TO THE FIN.411 C.IAL SI-.4TEMEfiTS ICOP*'TINUEDI
I'EAR ENDED31ST hlARCH 21121
CREDITORS- Amoun15 falling due within one year
2021
2020
Other taxaiion and social security
Other ¢reditor5 and accrnals
4.448
8.930
£8.617
£11,56?
liNRESTRIC.TLD FUND
C.ENER.4L FliND
Opening balancc
Surplu5 Ideficitl for the year
Transfer from Restricred Fund
Transfer tolfrom Designa¢ed Fund
Closing balance
21121
21120
56.416
141.7441
63.205
16.7891
£14,672
£56.416
DESIGPIATED FUIYD
Opening balancc
Trartsfer tolfrom General Fund
Clostng balance
2021
?0,000
2020
20,000
£20,000
£?o,000
An amouni of £20.000 has been set &sid¢ In￿ a designated fund ￿WardS the main charity's strategic
development. consuliancy work. emergency Nehicle hire. cover emergency stsff costs and redundancy
payments.
ANALYSIS OF NET ASSETS BETII'EEf4 FUNDS
Re5tric*d Unresiricied
Toial
22.416
1 ?,256
4,67?
Tangible Fixed Assets
Net current asse
22,416
£0
£j4,679
10 TRUSTEES REMLiNERATIOIY AliD EXPLNSES
No Femunerdlion was paid to tnjstees in ihe year. nor were any expenses reimburs￿ to them.
I I GOING CONCERN-COVID 19
Th¢ management eommittee have taken initial steps to consider the itnpact that the COVID 19 situation
may have on the chaTity and consider that CACFO UK has adeqwe and suificient sources of funds
avaalable for the foreseeable flltllre. Therefore the management committee believe that 11 IS 8PPtopriate
for this reason to continue to adopi the (poing con¢etn basi5 in preparing the financial si*ements for the
year ended 3 1st Mar¢h 2020.

CROYDOI¥4 AFRICAN CARIBBE,II% FAMIL) ORGANISATION UK
INCOME AND EXPEYDITI'RE.4CC.QIINT
I'EAR EIDF.D31ST NI.4RCII 2021
INCOIMifiG RESOURCES
Grant
Activities and donation
Bank Inieffst
£￿¢1¢1 Untt5tricled
2021
44.Oi2
85.075
19
2020
46,913
249,124
69
44.032
85.075
19
129 126
129 126
296 106
COST OF CHARITABLE ACTIVITIES
Salarie5 and wages
Pension costs
Rent and rdtes
Special events and confertnces
Trdvel and subsisten¢e
Volunteer Cost and expenses
Agency fees
Catering. food and provÉsion
Training and development
Teaching and sUp￿rt services
Coach and motor running cost
General expenses
Light and heat
Repair& maintenance and cleaning
Compllter ¢otLsumables
Postage, stationery.. printing & telephone
Interesi and bank charges
DepTe¢iation
A¢counta￿CY and examin￿]0￿
InS￿rance and licences
45.961
945
45,961
945
8,800
2505
14.880
2.188
8,672
10.060
246
2.ios
3.299
3299
6.546
9,427
7,711
1.042
802
74.603
3_401
1.04?
802
74.603
i.401
480
3,193
?,610
2,049
2.769
314
4.482
?.675
10,940
7.969
57?
3,991
12,023
2.961
3,382
572
480
3.193
2.610
2.049
314
4,482
3.271
?.675
10.940
Total resources eipended
£0 £170,870
£170.870
£iO? 895
Net io¢omin8 resources
41,744
£0 %￿41744) ￿ £
6,789