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2024-03-31-accounts

Registered number: 07279153 Charity number: 1158981

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS For the Year Ended 31 March 2024

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

CONTENTS

Page
Reference and Administrative Details of the Charity, its Trustees and Advisers 1
Trustees' Report 2 - 5
Independent Examiner's Report 6
Statement of Financial Activities 7
Balance Sheet 8
Notes to the Financial Statements 9 - 18

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS For the Year Ended 31 March 2024

Trustees Mary Burd, Chair
Jane Carr
Maureen Childs
Imogen Clark
John Foley (appointed 25 April 2023)
Anne Page (appointed 25 April 2023)
Dr Miranda Quinney (appointed 25 April 2023)
Company registered
number
07279153
Charity registered
number
1158981
Registered office
68 Parkway
London
NW1 7AH
Accountants and
independent examiner
Martin Bailey FCA
Goodman Jones LLP
Chartered Accountants
1st Floor, Arthur Stanley House
40-50 Tottenham Street
London
W1T 4RN

Page 1

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

TRUSTEES' REPORT For the Year Ended 31 March 2024

The Trustees present their annual report together with the financial statements of the Charity for the year 1 April 2023 to 31 March 2024. The Annual Report serves the purposes of both a Trustees' Report and a Directors' Report under company law. The Trustees confirm that the Annual Report and financial statements of the charitable company comply with the current statutory requirements, the requirements of the charitable company's governing document and the provisions of the Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102) (effective 1 January 2019).

Since the Charity qualifies as small under section 382 of the Companies Act 2006, the Strategic Report required of medium and large companies under the Companies Act 2006 (Strategic Report and Directors' Report) Regulations 2013 has been omitted.

Objectives and activities

a. Policies and objectives

The Charity delivers activities in the City of London to support older people living, studying and volunteering in the square mile to age well and safely.

In setting objectives and planning for activities, the Trustees have given due consideration to general guidance published by the Charity Commission relating to public benefit, including the guidance 'Public benefit: running a charity (PB2)'.

b. Strategies for achieving objectives

As a small charity with limited staff resources, the Charity’s strategy is to focus on small scale direct service provision, focussed on specific locations within the City of London. The strategy is to focus on a beneficiary-led approach, with services being developed by reference to the needs and wants of local older people.

c. Activities undertaken to achieve objectives

The principal activities of the Charity are:

Achievements and performance

a. Main achievements of the Charity

Achievements of the Charity during the year included the following:

Page 2

AGE UK CITY OF LONDON (A Company Limited by Guarantee)

TRUSTEES' REPORT (CONTINUED) For the Year Ended 31 March 2024

Achievements and performance (continued)

Financial review

a. Going concern

The Trustees have monitored and reviewed management accounts, budgets and cashflow forecasts. There has been improvement of expected and anticipated income based on application activity and historical success. The Board continues to take a prudent approach to cost management and has a well-developed risk management system in place to manage risks and uncertainties going forward.

After making appropriate enquiries, the Trustees have a reasonable expectation that the Charity has adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the financial statements. Further details regarding the adoption of the going concern basis can be found in the accounting policies.

b. Reserves policy

The Trustees consider that general reserves should represent at least three months’ expenditure. The Charity was compliant with this policy at 31st March 2024.

c. Financial performance for the year

During the year ended 31 March 2024, the Charity received funding from several funders including City of London. The most significant expenditure continues to be staff costs.

The Charity achieved a net surplus of £13,567 (2023: £781) on total income of £100,088 (2023: £57,430). Total reserves at the period end stood at £30,396 (2023: £16,829), of which £13,442 (2023: £3,589) is held in restricted funds and £16,954 (2023: £13,240) held in unrestricted funds.

Structure, governance and management

a. Constitution

Age UK City of London is registered as a charitable company limited by guarantee and was set up by a Memorandum of Association.

Page 3

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

TRUSTEES' REPORT (CONTINUED) For the Year Ended 31 March 2024

Structure, governance and management (continued)

b. Methods of appointment or election of Trustees

The directors of the company are also known as charity trustees for the purposes of charity law, and under the Articles of Association are known as the Board of Trustees. The Trustees of the Charity are drawn from the trustees of the parent charity and people actively involved in the City of London.

New trustees are provided with information which includes:-

Trustees can be supported by external courses as appropriate to their needs and requirements in their role as trustees.

The Trustees are responsible for the governance of the Charity. The management function rests with the Chief Executive who is responsible for ensuring the Charity undertakes its services effectively and that the Trustees are kept well informed.

Organisational structure and networks

The Charity works with its parent charity and other organisations working in and around the City of London to further the interests of older people.

Risk management

Age UK City of London subscribes to policies and procedures developed by Age UK Camden and Group. A Risk register has been developed by Age UK Camden for the Group to fulfil its risk management responsibilities.

Page 4

(A Company Limited by Guarantee)

AGE UK CITY OF LONDON

TRUSTEES' REPORT (CONTINUED) For the Year Ended 31 March 2024

Statement of Trustees' responsibilities

The Trustees (who are also the directors of the Charity for the purposes of company law) are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the Trustees to prepare financial statements for each financial . Under company law, the Trustees must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Charity and of its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the Trustees are required to:

The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the Charity's transactions and disclose with reasonable accuracy at any time the financial position of the Charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the Charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Approved by order of the members of the board of Trustees and signed on their behalf by:

----- Start of picture text -----
................................................ { ae | i i
Mary Burd
Chair
----- End of picture text -----

Date: 11-12-24

Page 5

AGE UK CITY OF LONDON (A Company Limited by Guarantee)

INDEPENDENT EXAMINER'S REPORT For the Year Ended 31 March 2024

Independent Examiner's Report to the Trustees of Age UK City of London ('the Charity')

I report to the charity Trustees on my examination of the accounts of the Charity for the year ended 31 March 2024.

Responsibilities and Basis of Report

As the Trustees of the Charity (and its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').

Having satisfied myself that the accounts of the Charity are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of the Charity's accounts carried out under section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent Examiner's Statement

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

  1. accounting records were not kept in respect of the Charity as required by section 386 of the 2006 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the accounting requirements of section 396 of the 2006 Act 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; or

  4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities [applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)].

This report is made solely to the Charity's Trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. My work has been undertaken so that I might state to the Charity's Trustees those matters I am required to state to them in an Independent Examiner's Report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the Charity and the Charity's Trustees as a body, for my work or for this report.

Martin Bailey FCA Dated: 11-12-24 Goodman Jones LLP 1st Floor, Arthur Stanley House 40-50 Tottenham Street London W1T 4RN

Page 6

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING INCOME AND EXPENDITURE ACCOUNT) For the Year Ended 31 March 2024

Note
Income from:
Donations
4
Charitable activities
5
Investment income
6
Total income
Expenditure on:
Charitable activities
Total expenditure
Net income
Transfers between funds
13
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
funds
2024
£
46,941
-
122
47,063
40,863
40,863
6,200
(2,486)
3,714
13,240
3,714
16,954
Restricted
funds
2024
£
-
53,025
-
53,025
45,658
45,658
7,367
2,486
9,853
3,589
9,853
13,442
Total
funds
2024
£
46,941
53,025
122
100,088
86,521
86,521
13,567
-
13,567
16,829
13,567
30,396
Total
funds
2023
£
26,376
31,022
32
57,430
56,649
56,649
781
-
781
16,048
781
16,829

The Statement of Financial Activities includes all gains and losses recognised in the year.

The notes on pages 9 to 18 form part of these financial statements.

Page 7

AGE UK CITY OF LONDON

(A Company Limited by Guarantee) Registered number: 07279153

BALANCE SHEET As at 31 March 2024

2024 2024 2023
Note £ £
Current assets
Debtors 11 22,108 -
Cash at bank and in hand 20,391 89,863
42,499 89,863
Creditors: amounts falling due within one
year 12 (12,103) (73,034)
Net current assets 30,396 16,829
Total assets less current liabilities 30,396 16,829
Net assets excluding pension asset 30,396 16,829
Total net assets 30,396 16,829
Charity funds
Restricted funds 13 13,442 3,589
Unrestricted funds 13 16,954 13,240
Total funds 30,396 16,829

The Charity was entitled to exemption from audit under section 477 of the Companies Act 2006.

The members have not required the company to obtain an audit for the year in question in accordance with section 476 of Companies Act 2006.

The Trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and preparation of financial statements.

The financial statements have been prepared in accordance with the provisions applicable to entities subject to the small companies regime.

The financial statements were approved and authorised for issue by the Trustees and signed on their behalf by:

................................................

Mary Burd Chair

Date: 11-12-24

The notes on pages 9 to 18 form part of these financial statements.

Page 8

AGE UK CITY OF LONDON (A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

1. General information

Age UK City of London is a company limited by guarantee registered in England and Wales and has no shares. In the event of the Charity being round up, the liability in respect of the guaranteee is limited to £1 per member of the Charity. The Charity's registered address is 68 Parkway, London, NW1 7AH. Its registered company number is 07279153 and its charity number is 11558981.

2. Accounting policies

2.1 Basis of preparation of financial statements

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - Accounting and Reporting by Charities: 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) (effective 1 January 2019), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

The financial statements are prepared in sterling , which is the functional currency of the company. Monetary a mounts in these financial statements are rounded to the nearest £.

Age UK City of London meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

2.2 Going concern

After considering future plans and recent funding successes, the Trustees are confident that the Charity has adequate resources to continue to operate for the foreseeable future and so consider that it is appropriate for the financial statements to be prepared on a going concern basis.

2.3 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the Charity and which have not been designated for other purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

Page 9

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

2. Accounting policies (continued)

2.4 Income

All income is recognised once the Charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably.

Grants are included in the Statement of Financial Activities on a receivable basis. The balance of income received for specific purposes but not expended during the period is shown in the relevant funds on the Balance Sheet. Where income is received in advance of entitlement of receipt, its recognition is deferred and included in creditors as deferred income. Where entitlement occurs before income is received, the income is accrued.

Income tax recoverable in relation to investment income is recognised at the time the investment income is receivable.

2.5 Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the Charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

2.6 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges allocated on the portion of the asset’s use.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the Charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

2.7 Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

2.8 Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

Page 10

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

2. Accounting policies (continued)

2.9 Liabilities and provisions

Liabilities are recognised when there is an obligation at the Balance Sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

Provisions are measured at the best estimate of the amounts required to settle the obligation. Where the effect of the time value of money is material, the provision is based on the present value of those amounts, discounted at the pre-tax discount rate that reflects the risks specific to the liability. The unwinding of the discount is recognised in the Statement of Financial Activities as a finance cost.

2.10 Financial instruments

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

2.11 Pensions

Age UK Camden operates a defined contribution pension scheme on behalf of Age UK City of London for the benefit of the Charity's employees. The assets of the scheme are held independently from those of the Charity and of Age UK Camden in an independently administered fund. The pensions costs charged in the financial statements represent the contributions payable during the year.

3. Critical accounting estimates and areas of judgement

Estimates and judgements are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Critical accounting estimates and assumptions:

The Charity makes estimates and assumptions concerning the future. The resulting accounting estimates and assumptions will, by definition, seldom equal the related actual results. The Trustees have not identified any estimates and assumptions that are considered to have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year.

Page 11

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

4. Income from donations and legacies

Unrestricted
funds
2024
£
Donations
5,991
Grants
40,950
46,941
Total 2023
26,376
Income from charitable activities
Restricted
funds
2024
£
Grants
53,025
Total 2023
31,022
Investment income
Unrestricted
funds
2024
£
Bank interest receivable
122
Total 2023
32
Total
funds
2024
£
5,991
40,950
46,941
26,376
Total
funds
2024
£
53,025
31,022
Total
funds
2024
£
122
32
Total
funds
2023
£
2,052
24,324
26,376
Total
funds
2023
£
31,022
Total
funds
2023
£
32

5. Income from charitable activities

6. Investment income

Page 12

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

7. Analysis of expenditure by activities

Charitable activities
Total 2023
Analysis of support costs
Travel and subsistence
Room hire and refreshments
Printing, postage, and stationery
Advertising
Transport hire
Professional fees
Staff and volunteer training
Equipment and consumables
Office costs
Total 2023
8.
Independent examiner's remuneration
Activities
undertaken
directly
2024
£
75,198
45,895
Support
costs
2024
£
11,323
10,754
Charitable
activities
2024
£
38
4,766
135
170
3,214
3,000
-
-
-
11,323
10,754
Total
funds
2024
£
86,521
56,649
Total
funds
2024
£
38
4,766
135
170
3,214
3,000
-
-
-
11,323
10,754
Total
funds
2023
£
56,649
Total
funds
2023
£
236
4,821
7
115
1,680
3,000
196
286
413
10,754

The independent examiner's remuneration amounts to an independent examiner fee of £3,000 ( 2023 - £3,000 ).

Page 13

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

9. Staff costs

Wages and salaries
Social security costs
Contribution to defined contribution pension schemes
2024
£
30,255
2,920
1,802
34,977
2023
£
22,779
1,900
427
25,106

The average number of persons employed by the Charity during the year was as follows:

2024 2023
No. No.
Coordinator role 1 1

No employee received remuneration amounting to more than £60,000 in either year.

The Trustees consider that there are no key management personnel remunerated by the Charity (2023: none).

10. Trustees' remuneration and expenses

During the year, no Trustees received any remuneration or other benefits (2023 - £NIL) .

During the year ended 31 March 2024, no Trustee expenses have been incurred (2023 - £NIL) .

11. Debtors

Due within one year
Amounts owed by group undertakings
2024
£
22,108
22,108
2023
£
-
-

Page 14

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

12. Creditors: Amounts falling due within one year

Amounts owed to group undertakings
Other creditors
Accruals and deferred income
Deferred income at 1 April 2023
Resources deferred during the year
Amounts released from previous periods
2024
£
-
1,500
10,603
12,103
2024
£
3,332
6,347
(3,332)
6,347
2023
£
64,536
1,500
6,998
73,034
2023
£
9,366
3,332
(9,366)
3,332

Deferred income relates to income received during the year to which the Charity did not have unconditional entitlement at the balance sheet date.

Page 15

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

13. Statement of funds

Statement of funds - current year

Unrestricted funds
General Funds - all funds
Restricted funds
Cordwainers
Mansell St Gardening
Mansell Street Women
Square Mile Health Walks
Digital Inclusion
Eat Well Live Well
Warm Winter Hubs
Sport England
Together for London
Awards for All
Total funds
Balance at 1
April 2023
£
13,240
450
332
4,617
(2,354)
281
-
42
-
-
221
3,589
16,829
Income
£
47,063
-
-
9,726
-
16,025
10,500
-
8,674
8,100
-
53,025
100,088
Expenditure
£
(40,863)
-
-
(10,825)
-
(16,025)
(10,170)
(174)
(2,094)
(6,370)
-
(45,658)
(86,521)
Transfers
in/out
£
(2,486)
-
-
-
2,354
-
-
132
-
-
-
2,486
-
Balance at
31 March
2024
£
16,954
450
332
3,518
-
281
330
-
6,580
1,730
221
13,442
30,396

Restricted funds are held for the following purposes:

Page 16

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

13. Statement of funds (continued)

Statement of funds - prior year

Balance at
1 April 2022
£
Income
£
Expenditure
£
Unrestricted funds
General Funds - all funds
(11,638)
26,408
(27,065)
Restricted funds
Cordwainers
450
-
-
Mansell St Gardening
332
-
-
Mansell Street Women
3,013
9,991
(8,387)
Square Mile Health Walks
(1,925)
1,998
(2,427)
Digital Inclusion
281
6,667
(6,667)
Eat Well Live Well
25,535
-
-
Warm Winter Hubs
-
3,000
(2,958)
Sport England
-
9,366
(9,145)
27,686
31,022
(29,584)
Total funds
16,048
57,430
(56,649)
14.
Analysis of net assets between funds
Analysis of net assets between funds - current period
Unrestricted
funds
2024
£
Current assets
29,057
Creditors due within one year
(12,103)
Total
16,954
Transfers
in/out
£
25,535
-
-
-
-
-
(25,535)
-
-
(25,535)
-
Restricted
funds
2024
£
13,442
-
13,442
Balance at
31 March
2023
£
13,240
450
332
4,617
(2,354)
281
-
42
221
3,589
16,829
Total
funds
2024
£
42,499
(12,103)
30,396

Page 17

AGE UK CITY OF LONDON

(A Company Limited by Guarantee)

NOTES TO THE FINANCIAL STATEMENTS For the Year Ended 31 March 2024

14. Analysis of net assets between funds (continued)

Analysis of net assets between funds - prior period

Current assets
Creditors due within one year
Total
Unrestricted
funds
2023
£
82,942
(69,702)
13,240
Restricted
funds
2023
£
6,921
(3,332)
3,589
Total
funds
2023
£
89,863
(73,034)
16,829

15. Pension commitments

The Charity operates a defined contribution pension scheme. The assets of the scheme are held separately from those of the Charity in an independently administered fund. The pension cost charge represents contributions payable by the Charity to the fund in the year of £1,802 (2023: £427).

16. Related party transactions

In the year ended 31 March 2024, Age UK Camden, the parent charity, charged Age UK City of London £15,144 (2023: £6,148.)

As the balance sheet date, the Charity owed an amount totalling £Nil (2023: £65,536) to Age UK Camden. At the balance sheet date, Age UK Camden owed £22,108 (2023: £nil) to Age UK City of London.

17. Controlling party

The ultimate controlling party is the parent company, Age UK Camden Ltd.

Page 18