**THE BISCUIT FUND 1154117 Receipts and payments accounts CC16a For the period** Period start date Period end date **To from** 01-Jan-21 31-Dec-21 |**Section A Receipts and payments**|**Section A Receipts and payments**|**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|**91,603**||**60,000**
**-**
**-**
**-**
**-**
**-**
**-**
**-**|**-**
**-**
**-**
**-**
**-**
**-**
**-**
**-**|**151,603**
**-**
**-**
**-**
**-**
**-**
**-**
**-**|**122,090**
**-**
**-**
**-**
**-**
**-**
**-**
**-**| ||**-**|||||| ||**-**|||||| ||**-**|||||| ||**-**|||||| ||**-**|||||| ||**-**|||||| ||**-**|||||| |**_Sub total_**_(Gross income for AR)_|**91,603**
||**60,000**|**-**|**151,603**|**122,090**| |||||||| ||||**-**
**-**|**-**
**-**|**-**
**-**|**-**| ||||**-**|**-**|**-**|**-**| |||||||| ||||**60,000**|**-**|**151,603**|**122,090**| |||||||| |
CLIENT GIFTS|**83,177**||**46,162**
**-**
**-**
**-**
**-**
**10,000**
**-**
**-**
**-**|**-**
**-**
**-**
**-**
**-**
**-**
**-**
**-**
**-**|**129,339**
**1,415**
**138**
**216**
**1,378**
**11,017**
**-**
**-**
**-**|**113,198**
**1,418**
**-**
**216**
**150**
**-**
**-**
**-**
**-**| |BANK CHARGES|**1,415**|||||| |COURIER FOR DONATED CLOTHING|**138**|||||| |SUBSCRIPTIONS|**216**|||||| |ACCOUNTANCY|**1,378**|||||| |SALARY AND PENSION COSTS|**1,017**|||||| ||**-**|||||| ||**-**|||||| ||**-**|||||| |**_Sub total_**|**87,341**||**56,162**|**-**|**143,503**|**114,982**| |||||||| ||||**-**
**-**|**-**
**-**|**-**
**-**|| ||||**-**|**-**|**-**|**-**| |||||||| ||||**56,162**|**-**|**143,503**|**114,982**| |||||||| ||**4,262**||**3,838**|**-**|**8,100**|**7,108**| ||**-**||**-**
**18,080**|**-**
**-**|**-**
**30,350**|**-**
**23,242**| ||**12,270**|||||| ||**16,532**||**21,918**|**-**|**38,450**|**30,350**| ## **Section B Statement of assets and liabilities at the end of the period** |**Categories**
**B1 Cash funds**
**B2 Other monetary assets**
**B3 Investment assets**
**B5 Liabilities**
**B4 Assets retained for the**
**charity’s own use**
Signed by one or two trustees on
behalf of all the trustees|**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 £**
**Restricted**
**funds**|**to nearest £**
**Endowment**
**funds**| |---|---|---|---|---|---| |||**12,793**
**3,739**
**-**|**21,918**||**-**| ||||**-**||**-**| ||||**-**||**-**| |||**16,532**|**21,918**||**-**| ||||||OK| ||||||**to nearest £**
**Endowment**
**funds**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**Current value**
**(optional)**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**Current value**
**(optional)**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**-**| ||||||**When due**
**(optional)**| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||Date of
approval| ||Jenni Bickerdyke|JENNIFER BICKERDYKE|||02/11/2022| ||KatyAnchant|KATHLEEN ANCHANT|||02/11/2022| ## **Trustees' Annual Report for the period** Period start date Period end date 01 Jan 2021 31 Dec 2021 **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 |**red charity number (if any)**|1154117|1154117| |---|---|---| |**Charity's principal address**|
9 Amberley Road|| ||Macclesfield|| |||| ||**Postcode**|**SK11 8LY**| ## **Names of the charity trustees who manage the charity** ||1
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20|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**
**year **|**Name of person (or body) entitled**
**to appoint trustee (ifany)**| |---|---|---|---|---|---| |||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** 1 ## **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** Type of governing document TRUST DEED - (eg. trust deed, constitution) How the charity is constituted TRUST - (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** **Summary of the objects of the charity set out in its governing document** 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. **TAR** March **2012** 2 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 -supplying goods that will make a direct positive impact on a person’s **Summary of the main** quality of life **activities undertaken for the** -providing on-the-spot or ongoing support and advice to assist people in **public benefit in relation to** improving their situation, or signposting to other organisations and **these objects (include within** charities who can help **this section the statutory 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. ## Section D Achievements and performance **TAR** March **2012** 3 ## Section D Achievements and performance 2021 was another year of growth, which is good on the one hand, but **Summary of the main** also indicative of the extent of social problems, so while we are delighted **achievements of the charity** to have had more funds to help more people, it remains sad that it is **during the year** necessary. Donations have seen a 4% (2020: 65%) increase on 2020 to a total of £126603 (2020: £122090), and in accordance with our direct help model, we have paid out in excess of this, £129338, directly to people in need. The excess came from surplus funds from the previous year. The members and trustees have found and put forward over 2600 cases (2020: 2100) 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. As noted last year, making payments to clients had become almost a fulltime job, and so in January 2021 we employed someone on an administrative salary of £10,000 pa for this purpose. This has been funded via 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. For ease of transition, we selected our trustee Andrew Charlton, who was already making all the payments, and in accordance with our constitution and the Charities Act, we only pay him for administrative duties and not for his role as a trustee. At the time of writing, we acknowledge that the time has come to employ an administrative assistant to help with emails, and we need to review our “no overheads” policy as we grow beyond the capacity to manage it all amongst volunteers. Our beloved treasurer resigned in summer 2021 after five years of much appreciated work, for which we are very grateful; we engaged the services of a bookkeeper to take over the day-to-day record keeping and gift aid information, as we did not have anyone inhouse to take over this important job. 2021 was also the year we changed part of how we approve cases. We used to give all our members a chance to vote on each case and to offer input on how to help and how much. Given the sheer volume of referrals we now receive, it was becoming untenable to do this for every case. Therefore with the approval of the membership, it was agreed that “standard” cases (such as benefits stopped and no money for food – how awful that this has become a standard case) would be approved automatically when received from a trusted referrer (eg CAB), and only unusual cases would be referred to the membership for voting. In this way, we can help people sooner, and keep operations as smooth as possible. Our members are volunteers who do this task for the love of helping, and our only other 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. Postage costs in 2021 were to send warm clothes to clients in need. Key donations in the year include £45,000 from Moondance Foundation which was restricted funds for people living in Wales, the majority of which has been paid out again. In the course of completing the 2021 accounts, we have discovered that our employee has been overpaid accidentally by one month’s wages. We **TAR** March **2012** 4 Section D Achievements and performance have taken action to both rectify the overpayment and ensure it can’t happen again, and to speak to those who should have noticed it sooner to put better controls in place. In accordance with Charity Commission guidance on whether an incident needs reporting, we have not reported this due to the value involved, and because it has made no significant impact on the charity’s services. ## **Section E Financial review** **Brief statement of the charity’s policy on reserves** The charity retains a minimum bank balance of £2000 to cover emergency cases that may come in, and actively tries to distribute any remaining reserves to genuine recipients as soon as is practicable. **Details of any funds materially in deficit** **TAR** March **2012** 5 ## **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)** KATHLEEN ANCHANT **Full name(s)** JENNIFER BICKERDYKE **Position (eg Secretary, Chair,** TRUSTEE CHAIRMAN **etc)** **Date** 21/10/2022 **TAR** March **2012** 6 **Independent examiner's report on the accounts** |**Section A**
**Independent Examiner’s Report**|**Section A**
**Independent Examiner’s Report**| |---|---| |**Report to the trustees/**
**members of**
**On accounts for the year**
**ended**
**Set out on pages**
**Responsibilities and**
**basis of report**
**Independent**
**examiner's statement**|Charity Name
The Biscuit Fund
31/12/2021
**Charity no**
**(if any)**
1154117
1 & 2
I report to the trustees on my examination of the accounts of the above
charity (“the Trust”) for the year ended 31/12/2021.
As the charity's trustees, you are responsible for the preparation of the
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.
The charity’s gross income exceeded £250,00 and I am qualified to
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:**
**Name:**
**Relevant professional**
**qualification(s) or body**
**(if any):**
**Address:**|**Date:**|| |---|---|---| |||23/11/2022| |||| ||S Hughes-Williams|| |||| ||FMAAT|| |||| ||1 Pennys Lane, Wilton, Salisbury|| ||Wiltshire|| ||SP2 0BE|| 1 **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** . 2