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2023-12-31-accounts

CHARITY REGISTRATION NUMBER: 1154776

Seaem

Unaudited Financial Statements 31 December 2023

HAFFNER HOFF LTD

Accountants 2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

Seaem

Financial Statements

Year ended 31 December 2023

Page
Trustees' annual report 1
Independent examiner's report to the trustees 6
Statement of financial activities 7
Statement of financial position 8
Notes to the financial statements 9

Seaem

Trustees' Annual Report

Year ended 31 December 2023

The trustees present their report and the unaudited financial statements of the charity for the year ended 31 December 2023.

Reference and administrative details

Registered charity name Seaem
Charity registration number 1154776
Principal office Selecta House
297 Swinton Hall Road
Salford
Manchester
M27 4DX
The trustees Mr H C Goldstein
Mrs M M Goldstein
Mrs C E Simmonds
Mr A Levy
Independent examiner Mr Howard Schwalbe ACA
2nd Floor - Parkgates
Bury New Road
Prestwich
Manchester
M25 0TL

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Seaem

Trustees' Annual Report (continued)

Year ended 31 December 2023

Structure, governance and management

Seaem is constituted by a constitution and is a Charitable Incorporated Organisation (CIO). The constitution is dated 27 November 2013 and was registered as a charity on that day with a charity number 1154776.

There is no chief executive officer. The day-to-day affairs are undertaken by Mr H Goldstein on behalf of the trustees. All major decisions are taken collectively by the trustees and all the trustees give of their time freely. The trustees are unpaid and details of any related party transactions are disclosed as applicable in the notes to the accounts. The arrangements for setting the pay of the charity’s employees are the sole domain of the trustees.

There are no policies for the induction or training of new trustees.

Risk review

The Trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the Trust, and are satisfied that systems are in place to manage our exposure to the major risks.

The risks faced by the trust are principally operational risks from ineffective grant making. These risks are managed by the trustees researching potential beneficiaries before granting donations.

Report back and review procedures strengthen these safeguards to ensure public benefit is achieved from all grants.

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Seaem

Trustees' Annual Report (continued)

Year ended 31 December 2023

Objectives and activities

The objects of the charity are:-

(i) For the public benefit to promote the education of people of all ages around the world in such ways as the charity trustees think fit, including awarding to such persons scholarships, maintenance allowances or grants; or by grants to charities or other organizations worldwide that provide education;

(ii) The prevention or relief of poverty or financial hardship anywhere in the world by providing: grants or loans to individuals in need and/or charities, or other organizations working to prevent or relieve poverty or financial hardship;

(iii) To advance the Orthodox Jewish religion worldwide for the benefit of the public in accordance with the principles of the Code of Jewish Law (Shulchan Aruch). (iv) To promote and protect the physical and mental health of sufferers of any medical conditions around the world through the provision of financial assistance, support and medical advice.

Public benefit

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit and in particular to its supplementary public benefit guidance on advancing education when reviewing the charity's aims and objectives and in planning future activities and setting grant making policy for the year.

Grant making policy

The charity is funded by donations and investment income. The charity gives out grants in line with the above objects.

There were no individual grants made during the year.

Grants made during the year to institutions are as detailed in the accounts.

The application of the funds is by way of grants to either institutions or individuals and is almost always to institutions.

The trustees consider they have met the public benefit test and outline these achievements below.

The trustees measure the success of achieving the stated aims by the number and value of grants paid out for each object. The grants paid out in the year are detailed in the notes to the accounts and the trustees consider they have met their aims successfully this year.

The trustees consider the shorter-term aims to be similar to the longer term aims and assess the achievement of the charity in the same way.

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Seaem

Trustees' Annual Report (continued)

Year ended 31 December 2023

Achievements and performance

The charity received £94,539 in donations during the year of which £103,571 was paid out by way of grants and support costs. These grants were made in line with the stated objects of the charity and were for the advancement of the Orthodox Jewish Faith, relief of poverty or educational in nature.

The charity also had investment income receivable during the year amounting to £48,664.

The charity has low governance costs comprising professional fees.

All other office costs are borne by a local benefactor and the trustees wish to record their appreciation to the benefactor for the free use of their offices.

Grants made during the year to institutions are as detailed in the accounts.

The charity purchased various investments in the year. The details of these purchases can be found in the notes to the accounts. The charity also sold two investment property syndicates during the year, and the details can be found on the SOFA and in the notes to the accounts.

There were no material fundraising costs during the year.

Related party transactions are disclosed as applicable in the notes to the accounts.

There was a net income and net movement of funds for the year amounting to £39,118.

Financial review

Investment performance

The investments of the charity have provided a gross return during the year of 4%. The trustees consider this acceptable when compared with returns available on deposits in any of the banking institutions.

Reserves policy

The unrestricted fund represents the unrestricted funds arising from past operating results.

The trustees are satisfied that the balance of the fund is an acceptable level of reserves given the nature of revenue receipts against grants payable.

In considering the limited financial obligations of the charity, the trustees have resolved to maintain a minimum reserve, equating to the net current assets of the charity, as there are no formal obligations to pay out any grants.

The trustees have considered the fair value of the investment property taking into account and consider the holding value to be the market value.

The trustees are delighted to have made many valuable contributions to the community as a result of this income and hope to be able to do so for many years to come.

The free reserves, represented by the net current assets of the charity stand at £166,349, all of which are unrestricted.

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Seaem

Trustees' Annual Report (continued)

Year ended 31 December 2023

The trustees' annual report was approved on 31 October 2024 and signed on behalf of the board of trustees by:

Mr H C Goldstein Trustee

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Seaem

Independent Examiner's Report to the Trustees of Seaem

Year ended 31 December 2023

I report to the trustees on my examination of the financial statements of Seaem ('the charity') for the year ended 31 December 2023.

Responsibilities and basis of report

As the trustees of the charity, you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the charity's financial statements 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 examiner's statement

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

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do 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.

Mr Howard Schwalbe ACA

Independent Examiner

2nd Floor - Parkgates Bury New Road Prestwich Manchester M25 0TL

31 October 2024

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Seaem

Statement of Financial Activities

Year ended 31 December 2023

2023 2023 2022
Unrestricted
funds Total funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 4 94,539 94,539 176,529
Investment income 5 48,664 48,664 30,200
-------------------------------- -------------------------------- --------------------------------
Total income 143,203 143,203 206,729
================================ ================================ ================================
Expenditure
Expenditure on raising funds:
Investment management costs 6 514 514 1,000
Expenditure on charitable activities 7,8 103,571 103,571 106,882
-------------------------------- -------------------------------- --------------------------------
Total expenditure 104,085 104,085 107,882
================================ ================================ ================================
Net gains on investments 11 54,678
-------------------------------- -------------------------------- --------------------------------
Net income and net movement in funds 39,118 39,118 153,525
================================ ================================ ================================
Reconciliation of funds
Total funds brought forward 1,247,979 1,247,979 1,094,454
----------------------------------------- ----------------------------------------- -----------------------------------------
Total funds carried forward 1,287,097 1,287,097 1,247,979
========================================= ========================================= =========================================

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 9 to 16 form part of these financial statements.

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Seaem

Statement of Financial Position

31 December 2023

2023 2022
Note £ £ £
Fixed assets
Investments 15 1,129,748 1,119,948
Current assets
Debtors 16 26,965 25,000
Cash at bank and in hand 205,852 216,612
-------------------------------- --------------------------------
232,817 241,612
Creditors: amounts falling due within one year 17 75,468 113,581
-------------------------------- --------------------------------
Net current assets 157,349 128,031
----------------------------------------- -----------------------------------------
Total assets less current liabilities 1,287,097 1,247,979
----------------------------------------- -----------------------------------------
Net assets 1,287,097 1,247,979
========================================= =========================================
Funds of the charity
Unrestricted funds 1,287,097 1,247,979
----------------------------------------- -----------------------------------------
Total charity funds 18 1,287,097 1,247,979
========================================= =========================================

These financial statements were approved by the board of trustees and authorised for issue on 31 October 2024, and are signed on behalf of the board by:

Mr H C Goldstein Trustee

The notes on pages 9 to 16 form part of these financial statements.

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Seaem

Notes to the Financial Statements

Year ended 31 December 2023

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is Selecta House, 297 Swinton Hall Road, Salford, Manchester, M274DX, UK.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the 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) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

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

Fair value

Debtors and creditors are stated at fair value.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements did not require management to make judgements, estimates or assumptions that affect the amounts reported with the exception of the valuation of the investment property.

Fund accounting

Unrestricted funds held by the charity are funds that can be used in accordance with the charitable objects at the discretion of the trustees.

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

3. Accounting policies (continued)

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Investments

Unlisted equity investments are initially recorded at cost, and subsequently measured at fair value. If fair value cannot be reliably measured, assets are measured at cost less impairment.

Listed investments are measured at fair value with changes in fair value being recognised in income or expenditure.

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

3. Accounting policies (continued)

Investment property

Investment property is initially recorded at cost, which includes purchase price and any directly attributable expenditure.

Investment property is revalued to its fair value at each reporting date and any changes in fair value are recognised in income or expenditure.

If a reliable measure of fair value is no longer available without undue cost or effort for an item of investment property, it shall be transferred to tangible assets and treated as such until it is expected that fair value will be reliably measurable on an on-going basis.

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

3. Accounting policies (continued)

Financial instruments (continued)

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

4. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Donations
Donations 94,539 94,539 176,529 176,529
============================ ============================ ================================ ================================

5. Investment income

Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Income from investment properties 46,765 46,765 29,801 29,801
Bank interest receivable 1,899 1,899 399 399
---------------------------- ---------------------------- ---------------------------- ----------------------------
48,664 48,664 30,200 30,200
============================ ============================ ============================ ============================

6. Investment management costs

Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Other investment management costs 514 514 1,000 1,000
============== ============== ======================= =======================

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

7. Expenditure on charitable activities by fund type

Unrestricted
Total Funds
Unrestricted Total Funds
Funds
2023
Funds 2022
£ £ £ £
Charitable grants 101,657
101,657
105,147 105,147
Support costs 1,914
1,914
1,735 1,735
-------------------------------- -------------------------------- -------------------------------- --------------------------------
103,571
103,571
106,882 106,882
================================ ================================ ================================ ================================
Expenditure on charitable activities by activity type
Grant funding
Support
Total funds Total fund
of activities
costs
2023 2022
£ £ £ £
Charitable grants 101,657
354
102,011 105,382
Governance costs
1,560
1,560 1,500
-------------------------------- ----------------------- -------------------------------- --------------------------------
101,657
1,914
103,571 106,882
================================ ======================= ================================ ================================
Analysis of support costs
Analysis of
support costs Total 2023 Total 2022
£ £ £
General office 354 354 235
Governance costs 1,560 1,560 1,500
----------------------- ----------------------- -----------------------
1,914 1,914 1,735
======================= ======================= =======================

8. Expenditure on charitable activities by activity type

9. Analysis of support costs

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

10. Analysis of grants

2023 2022
£ £
Grants to institutions
A A C 3,800
AB Seminary Ltd 5,000
B C G C T 6,000 6,000
B C R 3,000
Bederech Kovod 5,400
Beis Ruchel 12,000 6,000
Chasdei Shlomo 10,000
Friends Of Beis Chinuch Lebonos 5,000
Friends Of Beis Soroh Schenirer 5,000
Friends Of Merkaz Hatorah Belz 5,000
Gateshead Talmudical College 2,000
Grants £3000 & under 25,057 33,147
Kolyom Trust 5,000
Start Upright 4,000
T T T 16,000 4,800
The Great Club 10,000
Tov Vochesed 10,000 14,000
Y A M F 3,600 7,000
-------------------------------- --------------------------------
101,657 105,147
-------------------------------- --------------------------------
Total grants 101,657 105,147
================================ ================================

11. Net gains on investments

Unrestricted Total Funds Unrestricted Total Funds
Funds 2023 Funds 2022
£ £ £ £
Gains/(losses) on investment property 54,678 54,678
============== ============== ============================ ============================
12. Independent examination fees
2023 2022
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,560 1,500
======================= =======================

13. Staff costs

The average head count of employees during the year was Nil (2022: Nil).

No employee received employee benefits of more than £60,000 during the year (2022: Nil).

14. Trustee remuneration and expenses

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

15. Investments

Investment
properties
£
Cost or valuation
At 1 January 2023 1,119,948
Additions 9,800
-----------------------------------------
At 31 December 2023 1,129,748
=========================================
Impairment
At 1 January 2023 and 31 December 2023
Carrying amount
At 31 December 2023 1,129,748
=========================================
At 31 December 2022 1,119,948
=========================================

All investments shown above are held at valuation.

Investment properties

Investments in UK investment property represent a wholly owned investment property as well as 11 property investment syndicates in which the charity owns small percentages and does not exert any significant influence or control over these investments.

Valuation of the investment property is at fair value in the opinion of the trustees at the year end.

16. Debtors

2023 2022
£ £
Other debtors 26,965 25,000
============================ ============================
17. Creditors: amounts falling due within one year
2023 2022
£ £
Accruals and deferred income 1,560 1,500
Other creditors 73,908 112,081
---------------------------- --------------------------------
75,468 113,581
============================ ================================

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Seaem

Notes to the Financial Statements (continued)

Year ended 31 December 2023

18. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At 01 Gains and At 31
Jan 2023 Income Expenditure losses Dec 2023
£ £ £ £ £
General funds 1,247,979 143,203 (104,085) 1,287,097
========================================= ================================ ================================ ============== =========================================
At 01 Gains and At 31
Jan 2022 Income Expenditure losses Dec 2022
£ £ £ £ £
General funds 1,094,454 206,729 (107,882) 54,678 1,247,979
========================================= ================================ ================================ ============================ =========================================

19. Analysis of net assets between funds

Unrestricted Total Funds
Funds 2023
£ £
Investments 1,129,748 1,129,748
Current assets 232,817 232,817
Creditors less than 1 year (75,468)
(75,468)
----------------------------------------- -----------------------------------------
Net assets 1,287,097 1,287,097
========================================= =========================================
Unrestricted Total Funds
Funds 2022
£ £
Investments 1,119,948 1,119,948
Current assets 241,612 241,612
Creditors less than 1 year (113,581)
(113,581)
----------------------------------------- -----------------------------------------
Net assets 1,247,979 1,247,979
========================================= =========================================

20. Related parties

Mr & Mrs H Goldstein, trustees of Seaem, donated £55,000 during the year to the charity.

Mr & Mrs H Goldstein, trustees of Seaem, lent various sums interest free to the charity in a previous period and the current period. They were repaid various sums during the year and the balance at the year-end owing to them on an interest free basis amounted to £43,007.

21. Charity status

Seaem is a charitable incorporated organisation. It is registered with the Charity Commission and has a limited financial liability status.

Seaem is a registered charity and therefore is not liable to income tax or corporation tax on income derived from its charitable activities, as it falls within the various exemptions available to registered charities.

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