2020-12-31-accounts - The Biscuit Fund

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Trustees' Annual Report for the period

	Period start date	Period start date			Period end date	Period end date
	01	Jan	2020		31	Dec	2020
From				To

Section A Reference and administration details

Charity name THE BISCUIT FUND Other names charity is known by Registered charity number (if any) 1154117 Charity's principal address 9 Amberley Road Macclesfield Postcode SK11 8LY

Names of the charity trustees who manage the charity

Trustee name	Office (if any)	Dates acted if not for whole year
KATHLEEN ANCHANT	CHAIRMAN
JENNIFER BICKERDYKE
ANDREW CHARLTON

















Names of the trustees for the charity, if any, (for example, any custodian trustees)
Name		Dates acted if not for whole year

TAR

March 2012

Names and addresses of advisers (Optional information) Type of adviser Name Address	Names and addresses of advisers (Optional information) Type of adviser Name Address	Names and addresses of advisers (Optional information) Type of adviser Name Address




Name of chief executive or names of senior staff members (Optional information)

Section B Structure, governance and management

Description of the charity’s trusts

TRUST DEED Type of governing document (eg. trust deed, constitution) TRUST How the charity is constituted (eg. trust, association, company) ELECTED BY MEMBERSHIP Trustee selection methods

(eg. appointed by, elected by)

Additional governance issues (Optional information)

You may choose to include additional information, where relevant, about:

policies and procedures adopted for the induction and training of trustees;
the charity’s organisational structure and any wider network with which the charity works;
relationship with any related parties;
trustees’ consideration of major risks and the system and procedures to manage them.

Section C Objectives and activities

TAR

March 2012

The prevention or relief of poverty by the provision of financial and/or practical aid for people in genuine hardship, poverty, crisis or dire need situations as the trustees in their absolute discretion see fit. Summary of the objects of the charity set out in its governing document

The trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing the Fund’s aims and objectives and in planning future activities and setting out the grant making policy for the year.

The Fund carries out its objects by:

-making small cash gifts to aid members of the public in poverty or need -carrying out food shops where recipients are without food, and without access to a food bank Summary of the main -supplying goods that will make a direct positive impact on a person’s activities undertaken for the quality of life public benefit in relation to -providing on-the-spot or ongoing support and advice to assist people in these objects (include within improving their situation, or signposting to other organisations and this section the statutory charities who can help declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)

Additional details of objectives and activities (Optional information)

The successful operation of the Fund is only possible by the dedication, passion and commitment from our 40 members, who all contribute to forwarding our objectives and actively voting on who and how to help. You may choose to include further statements, where relevant, about:

policy on grantmaking;
policy programme related investment;
contribution made by volunteers.

TAR

March 2012

Section D Achievements and performance

Summary of the main achievements of the charity during the year

2020 has been another year of growth, which is good on the one hand, but also indicative of the extent of social problems, so while we are delighted to have had more funds to help more people, it remains sad that it is necessary.

Donations have seen a 65% (2019: 79%) increase on 2019 to a total of £122090 (2019: £73945), and in accordance with our direct help model, we have paid out almost all of this, £113198, directly to people in need. We have been so busy that we have not been able to pay out faster than this.

The members and trustees have found and put forward over 2100 cases (2019: 800) for consideration of cash and practical help, and have been able to help the majority of these in a direct and positive manner. It is a testament to the dedication and strength of our members that we have managed to engage with this many cases, and the trustees would like to acknowledge those members in particular who help deal with referral emails, as this is a very time consuming and emotionally draining task, seeing case after case of heartbreaking situation, and wishing we could do more than offer a crumb of hope.

Making payments to clients had become almost a full time job, and so at the end of this year we began discussing paying an administrative salary for this purpose. This commenced in early 2021 and has been funded separately from restricted funds donated solely for this purpose, and so all general donations from the public continue to be used directly to help those in need.

All our other amazing volunteers still do this task for the love of helping, and we continue to uphold our “no overheads” policy, meaning our only costs are bank charges and service subscriptions to enable us to receive funds, plus a fee to our external accountant for the Independent Examination, which is required by the Charity Commission. All other monies are paid out directly to those in need.

Section E Financial review

The charity retains a minimum bank balance of £2000 to cover Brief statement of the emergency cases that may come in, and actively tries to distribute any charity’s policy on reserves remaining reserves to genuine recipients as soon as is practicable.

Details of any funds materially in deficit

TAR

March 2012

Further financial review details (Optional information)

You may choose to include additional information, where relevant about:

the charity’s principal sources of funds (including any fundraising);
how expenditure has supported the key objectives of the charity;
investment policy and objectives including any ethical investment policy adopted.

Section F Other optional information

Section G Declaration

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Full name(s) JENNIFER BICKERDYKE Position (eg Secretary, Chair, TRUSTEE etc)

KATHLEEN ANCHANT CHAIRMAN

Date 27/09/2021

TAR

March 2012

	THE BISCUIT FUND	THE BISCUIT FUND	THE BISCUIT FUND	THE BISCUIT FUND	CC16a
	For the period from	Period start date 01-Jan-20	To

Section A Receipts and payments
A1 Receipts Unrestricted funds to the nearest £		to the nearest £ Restricted funds	to the nearest £ Endowment funds	Total funds to the nearest £	Last year to the nearest £
DONATIONS	82,090	40,000 - - - - - - -	- - - - - - - -	122,090 - - - - - - -	73,945 - - - - - - -
	-
	-
	-
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*Sub total*(Gross income for AR)	82,090	40,000	-	122,090	73,945

		- -	- -	- -	-
		-	-	-	-

		40,000	-	122,090	73,945

CLIENT GIFTS	71,142	42,056 - - - - - - - -	- - - - - - - - -	113,198 1,634 150 - - - - - -	77,056 1,420 150 - - - - - -
PAYPAL & OTHER FEES	1,634
ACCOUNTANCY	150
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	-
	-
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	-
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*Sub total*	72,926	42,056	-	114,982	78,626

		- -	- -	- -
		-	-	-	-

		42,056	-	114,982	78,626

	9,164	-2,056	-	7,108	-4,681
	-	- 5,025	- -	- 23,242	- 23,242
	18,217
	27,381	2,969	-	30,350	18,561

Section B Statement of assets and liabilities at the end of the period

Details LLOYDS ACCOUNT PAYPAL ACCOUNT Details Details Details Details Signature *Total cash funds* (agree balances with receipts and payments account(s)) Jenni Bickerdyke KatyAnchant	to nearest £ Unrestricted funds	to nearest £ Restricted funds	to nearest £ Endowment funds
	21,179 6,202 -	2,969	-
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		-	-
	27,381	2,969	-
			OK
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			Date of approval
Jenni Bickerdyke	JENNIFER BICKERDYKE		27/09/2021
KatyAnchant	KATHLEEN ANCHANT		27/09/2021

Independent examiner's report on the accounts

Section A Independent Examiner’s Report

Report to the trustees/ Charity Name The Biscuit Fund members of On accounts for the year 31/12/2020 Charity no 1154117 ended (if any) Set out on pages 1 & 2 I report to the trustees on my examination of the accounts of the above charity (“the Trust”) for the year ended 31/12/2020. Responsibilities and As the charity's trustees, you are responsible for the preparation of the basis of report accounts in accordance with the requirements of the Charities Act 2011 (“the Act”). I report in respect of my examination of the Trust’s accounts 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 The charity’s gross income exceeded £250,000 and I am qualified to examiner's statement undertake the examination by being a qualified member of AAT

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

the accounting records were not kept in accordance with section 130 of the Charities Act; or
the accounts did not accord with the accounting records; or
the accounts did 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.

Signed: Date: 20/10/2021 Name: S Hughes-Williams Relevant professional FMAAT qualification(s) or body (if any):

IER

December 2020

1 Pennys Lane, Wilton, Salisbury

Address:

Wiltshire SP2 0BE

Section B Disclosure

Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts: directions and guidance for examiners).

Give here brief details of any items that the examiner wishes to disclose .

IER

December 2020