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2025-12-31-accounts

1

20

Trustees’ Annual Report for the period

From 1.1.2025 Period start date To 31.12.2025 Period end date

Charity name: Friends of Monze

Charity registration number: 1154762

Objectives and Activities

SORP reference
Summary of the purposes of
the charity as set out in its
governing document		 Para 1.17 To prevent or relieve poverty in Monze in
Zambia by providing or assisting in the
provision of education, training, healthcare
projects and all the necessary support
designed to enable individuals and
community groups to generate a
sustainable income and be self-sufficient.
To develop the capacity and skills of the
people of Monze in Zambia in such a way
that they are better able to identify, and
help meet, their needs and fulfil their
potential.
Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or
services identified in the
accounts.		 Para 1.17 and
1.19		 A
ctivities for the purpose of assisting in
the provision of education.
Friends of Monze (FoM) works with our
Monze based partners Zambia Women and
Girls Foundation (ZaWGF) together we
jointly assess needs and plan activities.
FoM provides some financial support for
our partner. We work with the Monze
Department of Education and schools.
School construction.
School
building
to
improve
infrastructure: -

Chilwa School, 3 classrooms and 2
teacher’s offices block building
completed.

Hamunyagwa School, 3 classrooms
and 2 teacher’s offices block built.

Malama school, roof put on a 2-
classroom block.

Singonya School, teacher’s house
built.

Singonya School, two double pit
latrines built.

Chona School, teacher’s house
built.

Chona School, two double pit

2

latrines built.

Hamunyagwa School, 2 incomplete
schoolteacher’s houses completed.

Namilongwe School, 3 classrooms
block building started

Chilwa School, funds transferred
ready to build a teacher’s house in
2026
Teaching Materials
Curriculum books: -FoM provided about
600 books each for Chilwa, Hamunyagwa
and Malama Schools.
Story books: - FoM provided children’s
story books for Chilwa, Hamunyagwa and
Malama Schools.
Desks: -FoM provided locally made desks
for Chilwa, Malimba, Kampunu, Kachindu,
Singonya,
Hamunyagwa,
Malama,
Namateba Schools.
Bookcases: -We provided locally made
bookcases for Chilwa, Kaumba, Malimba,
Kampunu,
Kachindu,
Singonya,
Hamunyagwa, Malama Schools. This
enables teachers to keep books organised
and in good condition.
"Happy Reader" reading scheme: -FoM
continued working with ZaWGF and the
Department of Education to monitor
children's progress learning to read.
Activities for the purpose of assisting in
the provision of healthcare
.
Water and Hygiene.
Activities to improve
hygiene: - 3days water sanitation and
hygiene (WASH) training and school WASH
clubs set up at Singonya Schools.
Funds transferred for WASH training at
Chilwa School.
Activities to improve Menstrual Hygiene
Management (MHM): - Washable re-
usable pads made in Monze and under
pants given to 2,003 older girls at 19
schools. One day training in MHM delivered
to school and community members at
Singonya and Chicheleko Schools.
Funds transferred for pads and pants for 23
schools to be given in 2026.
Funds transferred for MHM training
Hamunyagwa, Malama, Namilongwe to be
delivered in 2026
Funds transferred to buy locally made soap
for 21 schools during the rainy season in
2026 to prevent the spread of cholera and
water borne diseases.
Sports Equipment
. Activities to promote
healthy exercise and encourage school
attendance:- Full size and small football

3

goalposts and netball posts provided at
Sikabenga,
Singonya,
Namateba,
Hambalamatu, Nalutanda, Kasaka, Lumba-
Moonya, Singonya, Hamunyagwa and
Malama schools. Footballs and netballs
provided.
Medical Treatment.
Activities to improve
eye health: -FoM and ZaWGF work with
the Orthoptic Department at Monze Mission
Hospital to carry out eye tests at schools for
children and adults from the local villages.
Eye tests were conducted at Chilwa,
Hambalamatu, Mwiinga-Malimvwa,
Sikabenga, Mungolo, Namateba,
Hamangaba and Hamunyagwa schools.
FoM paid for children’s hospital visits to
Lusaka.
Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit		 Para 1.18 All trustees have understood the guidance.

Additional information (optional)

You may choose to include further statements where relevant about:

SORP reference N/a Para 1.38 Policy on grant making N/a Para 1.38 Policy on social investment including program related investment N/a Para 1.38 Contribution made by volunteers N/a Other

Achievements and Performance

SORP reference

4

Summary of the main
achievements of the charity,
identifying the difference the
charity’s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.		 Para 1.20 Achievements in
assisting in
the
provision of education.
School construction.
In 2025 FoM achieved improvement of the
educational infrastructure in
Monze
District of Zambia by building a new block
of 3 classrooms at two schools and
starting at a third.
The children benefit as they are better able
to concentrate on lessons sitting at desks in
comfortable classrooms with books and
blackboards.
Chilwa School: -
before FoM built
classrooms, children were learning in two
small, dark, overcrowded rooms which
were in a poor condition, many children
were not in school. Chilwa School only
taught children up to grade 3 (age 9), older
children were faced with a long dangerous
walk to the next school or left education.
In 2025 FoM completed building 3 new
classrooms, 2 offices and storerooms. The
new classrooms will make a difference as
Chilwa will be able to teach children up to
grade 7 (age 14 and over). The number of
pupils benefitting will increase yearly as
children are now able to learn at a school
near their homes up to grade 7.
Hamunyagwa School: -Previously only
had 3 classrooms for 461 pupils so the
children learned in 2 shifts. FoM built 3 new
classrooms so pupils will benefit from
having more time in classrooms.
Malama School: - Teaches 871 pupils,
early years to grade 9 (16 years old), in 7
classrooms. The roof blew off 2
classrooms, so pupils would be unable to
sit important national exams at their own
school. The long walk to an unfamiliar
school would make it more difficult for
pupils to achieve good exam results. FoM
put a new roof on the 2 classrooms so the
children could take their exams at their
familiar school.
Namilongwe School: -Teaches 750
children up to Grade 7 (14 years old) in 6
classrooms which were originally pig farm
buildings. FoM started building 3 new
classrooms in 2025. The school will be able
to teach higher grades when FoM
completes building 3 new classrooms in
2026.
Houses for teachers: -Schools in rural
areas are too remote for teachers to
commute from Monze town, so teachers
need to live at the school. Teachers on site
make a difference to the local society,
acting as a bridge between village farmers

5

and the school encouraging communication
and school attendance.
Singonya school: - FoM built a modern
termite resistant house for a teacher and
their family. Living in comfortable
accommodation benefits teacher’s morale
and the whole school.
Chona School: - FoM built a teacher’s
house.
Hamunyagwa school: - Due to lack of
houses, the headmaster spent 2 years
living in his office. The local community
started to build 2 houses, but they were
unable to raise funds to complete the
houses. FoM completed houses for 2
teachers.
Achievements in improving sanitation: -.
Properly constructed, safe toilets make a
difference to a school as they prevent
water-borne disease caused by lack of
toilets. Children and staff benefit from using
safe dignified conveniences. FoM built two
double pit latrines (4 toilets) at Chona and
Singonya schools. The pit latrines are
carefully constructed to last for years.
Teaching Materials.
Curriculum books.
Schools are short of curriculum books and
termites destroy books. FoM builds termite
proof classrooms, then provides up to date
Zambian school curriculum books. FoM
donated textbooks to Chilwa, Hamunyagwa
and Malama Schools. Having a good stock
of books covering the current curriculum
benefits pupils, it is easier to learn when
fewer pupils share books.
Story Books. Teachers have requested
story books so they can have a school
library for children to enjoy reading. A
school library makes a difference as
children can take books home sharing their
progress with their family. Books are
provided to each school when FoM
completes
building
termite
proof
classrooms with bookcases. FoM provided
books at Chilwa, Hamunyagwa and
Malama Schools.
Desks.It is difficult for children to learn to
write or take notes sitting on the floor.
Children benefit from being comfortable
and able to write on a desk. FoM provided
locally made desks for 9 schools at the
request of Monze Department of Education.
Achievements in assisting in improving
health.
Water and Hygiene
. Achievements
improving hygiene: -People in Monze
suffer from outbreaks of diarrhoea and

6

vomiting, cholera, neglected tropical
diseases and intestinal worms. FoM
provided 3 days Water Sanitation and
Hygiene (WASH) training at Singonya and
Lumba-Moonya Schools. 2 facilitators train
teachers, children and community leaders
to make “tippy tap” hand washing stations
to wash at critical times. They learn to
make racks to keep cooking utensils away
from animals. School WASH clubs are set
up to inculcate healthy habits. This makes a
difference as children learn to construct
hand washing stations at school and home
so villages benefit from improved hygiene.
Achievement in improving Menstrual
Hygiene Management (MHM): -Affordable
disposable pads are not available to poor
girls in rural areas.
Girls without
menstruation management materials miss
school and drop out of education reducing
their future life chances.
FoM buys washable reusable pads made
by women at the Seventh Day Adventist
Church, United Church of Zambia and
Twelve Apostles Church in Monze. FoM
donated pads and underpants to girls in 19
schools so they can confidently manage
menstruation and do not miss school.
FoM provides one day MHM training for
male and female teachers, pupils and
community
leaders
to
demystify
menstruation, prevent stigma, dispel myths
and taboos. Training was provided at
Singonya and Chicheleko Schools and
MHM clubs set up to give girls ongoing
information and support.
MHM education and materials benefit girls
as it provides equitable access to
education.
Sports Equipment.
Achievements to
promote
healthy
exercise
and
encourage school attendance:- Children
benefit physically and mentally from taking
part in sports. FoM learned from teachers
that boys sometimes miss school to herd
cattle, football at school makes a difference
by improving boys’ school attendance. FoM
donated football and netball posts and balls
to 13 schools
Medical Treatment.
Achievements in
improving eye Health: -In Monze District
the environment is dry and dusty, this and
poor hand hygiene means between half
and three quarters of school children suffer
sore red inflamed eyes. they have allergic
conjunctivitis. Treating children for allergic
conjunctivitis makes a difference as
untreated it causes scaring and

7

permanently damages vision.
We worked with Monze Mission Hospital to
provide eye tests at 8 schools. Children
were given treatment. Adults and the
elderly from the local community benefited
from eye tests, they were given glasses or
referred for treatment.
Achievements in using school gardens
to generate income and develop
agricultural
skills:
-
Gardens/Permaculture
FoM provided 5 days permaculture
gardening training at Hambalamatu and
Singonya schools. The training is attended
by teachers, pupils, local smallholder
farmers and village elders who contribute
their traditional wisdom. The training
includes making organic compost, bokashi,
pesticide; water harvesting, mulching,
intercropping; planting trees, drought
resistant crops and use of indigenous
plants for food. A large garden area fenced
at Hambalamatu and Singonya schools.
FoM has established 18 gardens run by a
committee of teachers and local farmers,
the gardens achieve: -

growing food for the children to eat,
this improves children’s nutrition
and motivation

children over 12 years old learn
gardening skills

the gardens are used to teach
subjects like science, maths,
English, geography.

Selling garden produce to generate
income for the schools to support
volunteer teachers and buy
educational supplies.
To advise and encourage schools to grow
food, we provide follow-up visits to 9
schools from the gardening trainers.
Schools are encouraged to share
achievements on WhatsApp groups; they
share photos of children proudly showing
the crops they have grown to eat. The
trainers share gardening advice on
WhatsApp.
Achievements of farmers learning to
grow food at a time of climate change: -
This is an ongoing activity, casava planted
in 2024 and 2025 is growing and will be
ready to harvest 18-24 months after
planting.
Achievements to improve water supply
to water holes, wells and boreholes.
Farmers at Namateba and Chitama built

8

dams using sandbags. Water held back by the dams sunk underground so will be recharging the underground water table. A higher underground water table will make it easier to reach water using wells and boreholes. Achievements for income generation, training to build rocket stoves: - We trained village people in Singonya and Chona to build rocket stoves. We built stoves at the homes of 5 village Headmen and teachers at Singonya and Chona to demonstrate their use. We provided follow up monitoring visits.

Additional information (optional) You may choose to include further statements where relevant about:


Achievements against
objectives set
Para 1.41
N/a
Performance of fundraising
activities against objectives
set		 Para 1.41 N/a
Investment performance
against objectives		 Para 1.41 N/a
Other N/a

9

Financial Review

Review of the charity’s
financial position at the end
of the period		 Para 1.21
Statement explaining the
policy for holding reserves
stating why they are held		 Para 1.22 FoM’s only recurrent expenditure is some
financial support for the running costs of
our Monze based partners Zambia Women
and Girls Foundation (ZaWGF), including
appreciation for ZaWGF Project Manager
and Treasurer, which ensures the ongoing
co-operation between FoM and ZaWGF~~.~~
The Board judges that a reasonable level of
reserves is to ensure that there is always at
least three months funds in our account to
continue this support for ZaWGF.
Amount of reserves held Para 1.22 Approximately £793, varies with exchange
rate
Reasons for holding zero
reserves		 Para 1.22 None
Details of fund materially in
deficit		 Para 1.24 None
Explanation of any
uncertainties about the
charity continuing as a going
concern		 Para 1.23 None
Additional information (optional)
You may choose to include further statements where relevant about:		 Additional information (optional)
You may choose to include further statements where relevant about:		 Additional information (optional)
You may choose to include further statements where relevant about:
The charity’s principal
sources of funds (including
any fundraising)		 Para 1.47 Private philanthropy.
Grants from Trusts and Foundations
On-line fundraising
Sale of craft goods
Investment policy and
objectives including any
social investment policy
adopted		 Para 1.46 N/A
A description of the principal
risks facing the charity		 Para 1.46 1. Misuse of FoM funds by ZaWGF, this
risk has been reviewed by trustees and
deemed unavoidable. The risk is managed
by: -

Sharing online records, spreadsheets

visits by trustees to monitor and plan
projects

reports and photographs from
ZaWGF, building contractor and
teachers
2. Fluctuation in currency exchange rates.
This risk is deemed unavoidable and
managed by raising funds for
contingencies.
Other N/a

10

Structure, Governance and Management

Description of charity’s
trusts:
Type of governing document
(trust deed, royal charter)		 Para 1.25 Charitable Incorporated Organisation
whose only voting members are its' charity
trustees
How is the charity
constituted?
(e.g unincorporated
association, CIO)		 Para 1.25 Charitable Incorporated Organisation
Trustee selection methods
including details of any
constitutional provisions e.g.
election to post or name of
any person or body entitled
to appoint one or more
trustees		 Para 1.25 New trustees are selected from interested
supporters and appointed by existing
trustees.

Additional information (optional)

You may choose to include further statements where relevant about:


Policies and procedures
adopted for the induction
and training of trustees
Para 1.51
Friends of Monze has policies for new
trustees which include eligibility,
appointment, conflict of interest, and
induction to the role.
The charity’s organisational
structure and any wider
network with which the
charity works		 Para 1.51 FoM officers are chair, vice-chair, secretary
and treasurer. Trustees meet in person or
by zoom every 2 months. We also
communicate and can make decisions by
email. The trustees make decisions on
raising and spending funds by agreement
made by the majority of trustees.
Relationship with any
related parties		 Para 1.51 FoM works with a partner organisation
Zambia Women and Girls Foundation
(ZaWGF) which is an NGO registered in
Zambia.
Projects and activities are planned, carried
out, monitored and reported on in
collaboration with ZaWGF.
FoM has worked with the same partners
since FoM started in 2012
Other N/a

Reference and Administrative details

Charity name Friends of Monze
Other name the charity uses -
Registered charity number 1154762
Charity’s principal address 11 Clos Castell Newydd
Bridgend
CF31 5DR

11

Names of the charity trustees who manage the charity

1
2
3
4
5		 Trustee name Office (if any) Dates acted if not for whole
year		 Name of person (or body) entitled
to appoint trustee (ifany)
Virginia Jane
Deana Owen		 Chair
Peter Anfield
Davies		 Treasurer
Paul Green Vice Chair
Belinda Green secretary

Corporate trustees – names of the directors at the date the report was approved - N/a

Director name

Name of trustees holding title to property belonging to the charity - N/a

Trustee name Dates acted if not for whole year

Funds held as custodian trustees on behalf of others

Description of the assets N/a held in this capacity Name and objects of the N/a charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for N/a safe custody and segregation of such assets from the charity’s own assets

Additional information (optional)

Names and addresses of advisers (Optional information) - N/a

12

Type of Name Address adviser Name of chief executive or names of senior staff members (Optional information) - N/a

Exemptions from disclosure

Reason for non-disclosure of key personnel details - N/a

Other optional information - N/a

Declarations

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

Signed on behalf of the charity’s trustees

Signature(s) Full name(s) Virginia Jane Deana Owen Position (eg Secretary, Chair Chair, etc)

13 Date 19.6.2026

1

FRIENDS OF MONZE CHARITY COMMISSION REGISTRATION NUMBER: 1154762 ACCOUNTS FOR THE YEAR ENDED 31st DECEMBER 2025 INCOME & EXPENDITURE ACCOUNT

Income
Donations
Grants
Total Income
Expenditure
School construction
Bore Holes
Water and Hygiene
School Feeding
Tree Planting
Gardens/Permaculture
Teaching Materials
Sports Equipment
Medical treatment
Monze Office Expenses
Other Expenses
Bank Charges
Insurance
Total Expenditure
Surlus / (Deficit) For The Year
Reserves Brought Forward From 2024
Reserves - Excess Of Income Over Expenditure
This Is Represented By:
Net Assets
Bank Accounts:
Barclays Current Account
Barclays Saver Account
Co-op Community Account
Total Assets		 £
£
£
5,441 110,000 -
- - 15,234
General
Fund
Designated
Funds
Restricted
Funds
2025
£
115,441
15,234		 2024
£
106,261
17,350
5,441 110,000 15,234 130,675 123,611
- 62,321 16,700
- - 3,743
- 5,566 1,218
- 399 -
- - -
- 6,454 3,573
4,380 10,409 -
- 8,453 -
- 2,267 -
- 4,130 -
567 - -
354 - -
174 - -











79,021
3,743
6,784
399
-
10,027
14,789
8,453
2,267
4,130
567
354
174		 66,232
1,903
8,674
5,943
250
12,674
19,331
-
2,317
4,544
1,417
264
135
5,475 100,000 25,234 130,709 123,686
(34)
10,000 -
840 - -
806 10,000 -		 (34)
840		 (75)
840
806 765


-
-
806		 15
-
825
806 840

I certify that the above accounts show a true and fair view of the financial position of the Friends of Monze, for the year ended 31st December 2025.

Treasurer Auditor P A Davies FCA P Thompson Date

11th May 2026

2

FRIENDS OF MONZE CHARITY COMMISSION REGISTRATION NUMBER: 1154762 ACCOUNTS FOR THE YEAR ENDED 31st DECEMBER 2025 INCOME & EXPENDITURE ACCOUNT

Notes to the Accounts

1 Movements of Funds

Notes to the Accounts
1
Movements of Funds
i. General Fund
ii. Designated Funds:
P Green / Greenline
iii Restricted Funds
Just Trust
Ashram Trust
B Green		 Income
Balance
1.1.2025
Expenditure		 Balance
31.12.2025
840 5,441 5,475 806
- 100,000 100,000 -
- 1,600 1,600
- 13,634 13,634
- 10,000 10,000		 -
-
-
- 25,234 25,234 -
840 130,675 130,709 806

1

FRIENDS OF MONZE CHARITY COMMISSION REGISTRATION NUMBER: 1154762 ACCOUNTS FOR THE YEAR ENDED 31st DECEMBER 2025 INCOME & EXPENDITURE ACCOUNT

Income
Donations
Grants
Total Income
Expenditure
School construction
Bore Holes
Water and Hygiene
School Feeding
Tree Planting
Gardens/Permaculture
Teaching Materials
Sports Equipment
Medical treatment
Monze Office Expenses
Other Expenses
Bank Charges
Insurance
Total Expenditure
Surlus / (Deficit) For The Year
Reserves Brought Forward From 2024
Reserves - Excess Of Income Over Expenditure
This Is Represented By:
Net Assets
Bank Accounts:
Barclays Current Account
Barclays Saver Account
Co-op Community Account
Total Assets		 £
£
£
5,441 110,000 -
- - 15,234
General
Fund
Designated
Funds
Restricted
Funds
2025
£
115,441
15,234		 2024
£
106,261
17,350
5,441 110,000 15,234 130,675 123,611
- 62,321 16,700
- - 3,743
- 5,566 1,218
- 399 -
- - -
- 6,454 3,573
4,380 10,409 -
- 8,453 -
- 2,267 -
- 4,130 -
567 - -
354 - -
174 - -











79,021
3,743
6,784
399
-
10,027
14,789
8,453
2,267
4,130
567
354
174		 66,232
1,903
8,674
5,943
250
12,674
19,331
-
2,317
4,544
1,417
264
135
5,475 100,000 25,234 130,709 123,686
(34)
10,000 -
840 - -
806 10,000 -		 (34)
840		 (75)
840
806 765


-
-
806		 15
-
825
806 840

I certify that the above accounts show a true and fair view of the financial position of the Friends of Monze, for the year ended 31st December 2025.

Treasurer Auditor P A Davies FCA P Thompson Date

11th May 2026

2

FRIENDS OF MONZE CHARITY COMMISSION REGISTRATION NUMBER: 1154762 ACCOUNTS FOR THE YEAR ENDED 31st DECEMBER 2025 INCOME & EXPENDITURE ACCOUNT

Notes to the Accounts

1 Movements of Funds

Notes to the Accounts
1
Movements of Funds
i. General Fund
ii. Designated Funds:
P Green / Greenline
iii Restricted Funds
Just Trust
Ashram Trust
B Green		 Income
Balance
1.1.2025
Expenditure		 Balance
31.12.2025
840 5,441 5,475 806
- 100,000 100,000 -
- 1,600 1,600
- 13,634 13,634
- 10,000 10,000		 -
-
-
- 25,234 25,234 -
840 130,675 130,709 806