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2024-12-31-accounts

REGISTERED COMPANY NUMBER: 09271770 (England and Wales)
REGISTERED CHARITY NUMBER: 1161059
Report of the Trustees and

Financial Statements

for the Year Ended 31 December 2024

for

RADLETT REFORM SYNAGOGUE

Nagler Simmons
Chartered Accountants and Statutory Auditors
5 Beaumont Gate
Shenley Hill
Radlett
WD7 7AR
RADLETT REFORM SYNAGOGUE

Contents of the Financial Statements FOR THE YEAR ENDED 31 DECEMBER 2024

Page
Report of the Trustees 1 to 8
Report of the Independent Auditors 9 to 12
Statement of Financial Activities 13
Balance Sheet 14 to 16
Cash Flow Statement 17
Notes to the Cash Flow Statement 18
Notes to the Financial Statements 19 to 31
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

ThetrusteeswhoarealsodirectorsofthecharityforthepurposesoftheCompaniesAct2006,present their
reportwiththefinancialstatementsofthecharityfortheyearended31December2024.Thetrustees have
adoptedtheprovisionsofAccountingandReportingbyCharities:StatementofRecommended Practice
applicableto charitiespreparingtheiraccountsin accordancewiththe FinancialReportingStandard applicable
in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

OBJECTIVES AND ACTIVITIES

Objectives

TheSynagoguewasestablishedin1971asaCongregationprofessingtheJewishReligion,withtheobjects of
providingand maintaininga Synagogueforthepurposeof publicworshipand advancingreligious, educational
andcharitableactivities.Wecarryouttheseobjectsinmanyways.TheSynagogueisamemberof the
Movement for Reform Judaism. What follows are only examples of what we do in the community.
Page 1
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

OBJECTIVES AND ACTIVITIES

Significant activities

Thereis so muchto experienceand enjoyin Synagoguelifeand I hopethatthe itemsherereflectsomeof  the
varied activities we have and the highlights of a memorable 2024:
Clergy- RabbiElishevaSalamojoinedasthethirdmemberofclergy,workingona part-timebasiswith Senior
Rabbi Paul Freedman and Rabbi David Yehuda Stern.
Cheder-undertheexpertleadershipofCarolGreen,theChedercontinuestobeasuccess.Although more
childrenareattendingJewishdayschools,weareslowlybeginningtogrowagainwithhighernumbersin our
youngeragedclasses.Wehavecombinedsomeagegroupsthisyeartohelpwithplanningand organisation
and have 55 children on roll.
YouthClubs-alongsideCarol,JoshLaikinhasbeenrunningfortnightlyclubsforteenswithoutings,trips and
activities.  We thank Josh for all his hard work as he has now left to go travelling.
Collaborations-wehavecontinuedwithoursuccessfulpartnershipwithStevenageLiberalSynagoguewith a
programmeof activitiesunderthe bannerof "NorthHertsProgressiveJewishCommunity".We alsojoined up
with a number of other Progressive Communities once again for an all-night Tikkun Leil Shavuot.
WiderCommunity- RemembranceSundayprovidesan opportunityforthewholeof Radlettto come together
at the RadlettWar Memorialand to refreshmentsin our Sanctuary.It was lovelyto see peopleof all faiths and
none, coming together as a Community in our building.
TikkunOlam - Rabbi DavidYehudahelp set up a smallteam who are taskedwith lookingat what we can do for
thewiderworld.Theysuccessfullyraisedover£20,000forHighholydaycausesandranahugely enjoyable
supper quiz to raise more funds for our chosen charities.
CommunitySupportWork- wecontinuetosupportourmemberswitha widevarietyofhelpandadvice. We
thank Shiran Goren for all her hard work and wish her luck in her new job.
"HighHolydaymachzor- weusedthebrandnewmachzoratourHHDservicesforthefirsttime.The prayer
book was edited by Rabbi Paul and was receivedto high acclaim.The book, and in particularthe transliteration,
enhanced our services and those of all the other Reform services in the UK.
BM programme- underthe experienceand expertiseof LawrenceTurner,we haveadaptedand improved our
offeringtoourboysandgirlscominguptotheirBarandBatMitzvah.Itissuchapopularprogramme that
fitting them all in is the lovely problem we have.
Social- wecontinuetorunvarioussocialactivities,ofteninvolvinginvitedguestspeakers."ThursdayClub" is
for the senior members and is followed by tea and "Wednesdays of Wonder" is for everyone.
Thanksgotoallourstaffforalltheirhardworkthroughouttheyear.Wecannotachievehalfofwhatwe do
withoutthevaluablecontributionsofallourmanyvolunteers.WeareparticularlygratefultoDavid Brown,
who stepped down as Honorary Treasurer after 4 years, and was replaced by Adam Osper.
Page 2
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

ACHIEVEMENT AND PERFORMANCE

Charitable activities

Membersof the communitygavegenerouslyin supportof the annualHigh HolyDayappeal,raising£5,562 for
FriendsofBereavedFamilies,£5,612forHIAS+JCORE,£5,644forHelpingHertsand£4,078for Radlett
Reform.The totalraisedwas £20,896(comparedto £20,315in 2023).Thesefiguresare inclusiveof Gift Aid on
the donations.

Achievements

Theachievementsoftheyearowemuchtotheeffortsofa verylargenumberofpeoplewhogivetheir time,
paid and unpaid to the Community.
Thanksgoestoourrabbis,PaulFreedman,David-YehudaSternandElishevaSalamo,whohavebeen very
dedicatedto ensuringthatthe needsof the Communityremainour priorityas wellas our Community Support
Worker, Shiroan Goren. Thanks also to our very dedicated office staff, teaching staff and caretaker.
We are,however,verymucha volunteerorganisation,and we areindebtedto a greatmanypeople;those on
theExecutiveCommitteeandBoardandmanyothers,toonumeroustonamehere,whohavegivenup their
time to further the activities of the community.
TheSynagoguewillcontinuetogofromstrengthtostrengthandaimstobeabeaconforProgressive Jewish
lifeinHertfordshireandensuringthatthecommunityremainstruetoitsvaluesofcaringforeachof its
members as they pass along their Jewish journey.

FINANCIAL REVIEW

Financial position and future plans

The Trustees report an overall deficit for the year amounting to £34,887 (2023: Profit of £33,402).
The principalsourceof fundingis subscriptionincome,whichincreasedby 2.7%(2023:increasedby 4.0%). We
are constantlyendeavouringto maintainand ideallyimproveour collectionrate, however,as expectedthis has
become more difficult during recent years.
Once again, a numberof memberswere unable to pay their subscriptionsin full during the year due to adverse
personalcircumstances.TheSynagogue'spolicyforcollectingsubscriptionswherewearemadeaware of
circumstances of financial difficulty, is that we are as helpful as we can be.
MostmemberspaytheirsubscriptionsthroughGiftAid.Weareawarethatmemberswhoarehigher rate
taxpayerscouldrecovermoretaxthanstandardratetaxpayers.Thisgivesrisetoananomalythat members,
whomightbepresumedtobebetteroff,enduppayingless.Wecontinuetoaddressthisanomalyby asking
higherratetaxpayerstopayasubscriptiondonationthat,aftertherecoveryoftax,meansthatthey and
standard rate taxpayers pay the same net amount.
At the 2024 AGM, it was resolved that Nagler Simmons be reappointed auditors on a fee-paying basis.
Page 3
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

FINANCIAL REVIEW

Reserves

Thetrustees'policyistoutiliseanyreservesforfuturecommitmentsandprojects,whichincludeworkto the
fabric of the building and creating a fund for future building works.
Itisnotthetrustees'practicetokeepmaterialreserves,asthiswouldimpactonsubscriptionlevels and
possiblyhavean adverseeffecton membershipnumbers.Short-termliquidityis monitoredon a monthly basis
bytheTreasurerandFinanceCommitteeand(separately)theExecutivecommitteetoensurethat potential
cash-flow issues are identified well in advance.
The charity had total reserves of £358,503 as at 31 December 2024 (2023: £389,517)

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

TheSynagogueisacompanylimitedbyguaranteewiththecompanyregistrationnumber09271770which is
governedbytheMemorandumandArticlesonincorporationon20thOctober2014asamendedin General
Meeting from time to time.
ManagementoftheSynagogue'saffairsisvestedintheSynagogue'sBoardandday-to-daymanagement is
delegated to the Executive Officers.  Each member of the Board is a trustee and director of the Charity.
The trustees in 2024 are named on page 7. The Laws of the Synagogue govern appointment of trustees.
Ordinarily,trusteesareelectedattheAnnualGeneralMeeting("AGM").Thereisalsopowerto co-opt
membersof the Board.This enablesthe trusteesto fill vacanciesarisingthroughthe resignationor deathof an
existing trustee.
Boardmembersreceiveaninductionpackatthetimeoftheirelectionorco-option,includingasummary of
their responsibilities as trustees.
Page 4
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

STRUCTURE, GOVERNANCE AND MANAGEMENT

Risk management

TheBoardof theSynagogueis responsibleforthemanagementof therisksfacedby theSynagogue. Detailed
considerationofrisksisdelegatedtotheExecutive,assistedbyotherBoardmembersandmembersof staff.
Risksareidentifiedandassessedthroughouttheyearandcontrolsareestablishedtomanagetherisks. A
formalreviewoftheSynagogue'sriskmanagementprocesshascontinuedduringtheyearandwill remain
under continuous review.
The Board of the Synagogue has adopted the following Risk Policy:
TheSynagogueexiststoprovidereligious,educationalandsocialservicesforitsmembersandthe wider
community. To avoid risk, it will carry out its activities in such a way that:
- It follows the moral and ethical principles of the Jewish faith;
-Itconformstoallrelevantlegalrequirementswithregardtofinance,taxation,employment,health and
safety;
- It ensuresthe financialresourcesof the Synagogueare adequateto providethe servicesit wishesto provide,
and balances income and expenditure from year to year;
- It is managed in accordance with good practice in terms of control, delegation and authority levels;
-AllthoseinvolvedinthemanagementoftheSynagogue,whethervolunteersorpaid,understand their
responsibilities;
- It provides security for staff, volunteers, members and the physical assets of the Synagogue;
- It ensures continuity of operation by providing alternative arrangements for major disasters.
-Riskswillberegularlyreviewedandtheirimpactassessed.Wherethereisahighriskofoccurrenceand the
impactisgreat,immediateactionwillbetakentoeliminatetheriskbytakingappropriatesteps, changing
proceduresorprovidingadequatesafeguards.Wheretheriskislower,actionwillbetakentoreduce or
transferthe risk,for examplethroughinsurance.If the riskis high,but the likelihoodis low,then actionwill be
takentoavoidit.Lowriskswithalowlikelihoodofoccurrencewillbeacceptedunlesssimplestepscan be
takentolowertherisk.Inallcases,theactiontobetakenwillhaveregardtowhetherthestepstaken, and
associated cost, are proportionate to the risk and likelihood of occurrence.
The key controls used by the Synagogue are:
- Regular meetings of Board and Executive with formal agendas and minutes
- Detailed terms of reference for Executive, Board and sub-committees
- Annual budgets and regular management accounts
Throughthe risk managementprocessesestablishedfor the Synagogue,the membersof the Board,as trustees
aresatisfiedthatthemajorrisksidentifiedhavebeenadequatelymitigatedwherenecessaryorarein the
processofbeingmitigated.Itisrecognisedthatsystemscanonlyprovidereasonablebutnot absolute
assurance that major risks have been adequately identified and addressed.
Page 5
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

STRUCTURE, GOVERNANCE AND MANAGEMENT

Safeguarding

The Synagogue fully recognises the responsibility and duty placed upon them to safeguard all members.
TheSynagoguepromotesthewelfareofchildrenandyoungpeopleentrustedtotheircare,aswell as
vulnerableadults.TheSynagogueensuresthatsafeguardingpracticereflectsstatutory responsibilities,
governmentguidanceandcomplieswithbestpractice.Allstaffandvolunteershaveafullandactivepart in
protecting children and vulnerable adults from harm.
Allourteachingstaff(bothadultandteenageclassroomassistants)receiveage-appropriate formal
safeguardingtrainingwhichisrepeatedeverythreeyearsbutreviewedannuallybeforethebeginningof the
academicyear.Allourage16+staffareDBSclearedbeforeworkingwiththechildren.Wehave safeguarding
policies in place which cover children and vulnerable adults - these are reviewed every three years.
OurDesignatedSafeguardingLead(DSL)isCarolGreen(HeadofPrimaryEducation,Youthand Families).
Sarah-Jane Reemer is the Safeguarding Board Member. All lead members have undertaken DSL training.

REFERENCE AND ADMINISTRATIVE DETAILS Registered Company number

09271770 (England and Wales)

Registered Charity number

1161059

Registered office

118 Watling Street
Radlett
Hertfordshire
WD7 7AA
Page 6

RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

Trustees

The trustees serving during the year were as follows:
Executive Officers
Spencer Grant Chair
Julian Burman Honorary Secretary
Adam Osper Honorary Treasurer (Appointed 16 May 2024)
David Brown Honorary Treasurer (Resigned 16 May 2024)
Daniel Shabetai Head of Ritual
Board
Wayne Morris Head of Security
Sacha Wingard
David Martin
Rachael Levy
Martin Cowan
Ella Lyons
Sarah-Jane Reemer
Gill Burn (Appointed 16 May 2024)
Robert Wiltshire (Appointed 16 May 2024)
Kathryn Michael (Resigned 16 May 2024)

Auditors

Nagler Simmons
Chartered Accountants and Statutory Auditors
5 Beaumont Gate
Shenley Hill
Radlett
WD7 7AR

Bankers

Barclays Bank PLC
22-24 Upper Marborough Road
St. Albans
AL1 3AL
Page 7
RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Report of the Trustees FOR THE YEAR ENDED 31 DECEMBER 2024

STATEMENT OF TRUSTEES' RESPONSIBILITIES

TheTrusteesareresponsibleforpreparingtheReportoftheTrusteesandthefinancialstatements in
accordancewithapplicablelawandUnitedKingdomAccountingStandards(UnitedKingdom Generally
Accepted Accounting Principles).
ThelawapplicabletocharitiesinEnglandandWales,theCharitiesAct2011,Charity(Accountsand Reports)
Regulations2008and the provisionsof the trustdeed requiresthe trusteesto preparefinancialstatements for
eachfinancialyearwhichgiveatrueandfairviewofthestateofaffairsofthecharityandofthe incoming
resourcesand applicationof resources,includingthe incomeand expenditure,of the charityfor that period. In
preparing those financial statements the Trustees are required to:
a) select suitable accounting policies and apply them consistently;
b) observe the methods and principles in the Charity SORP;
c) make judgements and estimates that are reasonable and prudent;
d)preparethefinancialstatementsonthegoingconcernbasisunlessitisinappropriatetopresumethat the
charity will continue in operation.
The Trusteesare responsiblefor keepingproperaccountingrecordswhich disclosewith reasonableaccuracy at
anytimethefinancialpositionofthecharityandtoenablethemtoensurethatthefinancial statements
complywith the CharitiesAct 2011,the Charity(Accountsand Reports)Regulations2008and the provisions of
thetrustdeed.Theyarealsoresponsibleforsafeguardingtheassetsofthecharityandhencefor taking
reasonable steps for the prevention and detection of fraud and other irregularities.

AUDITORS

Theauditors,NaglerSimmons,willbeproposedforre-appointmentattheforthcomingAnnual General
Meeting.
Approved by order of the board of trustees on 13 May 2025 and signed on its behalf by:
A Osper - Trustee
Page 8

Report of the Independent Auditors to the Trustees of Radlett Reform Synagogue

Opinion

We haveauditedthe financialstatementsof RadlettReformSynagogue(the 'charitablecompany')for the  year
ended31December2024whichcomprisetheStatementofFinancialActivities,theBalanceSheet,the Cash
FlowStatementandnotestothefinancialstatements,includingasummaryofsignificantaccounting policies.
Thefinancialreportingframeworkthathasbeenappliedintheirpreparationisapplicablelawand United
Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

Basis for opinion

We conductedour audit in accordancewith InternationalStandardson Auditing(UK) (ISAs (UK))and applicable
law.OurresponsibilitiesunderthosestandardsarefurtherdescribedintheAuditors'responsibilitiesfor the
auditofthefinancialstatementssectionofourreport.Weareindependentofthecharitablecompany in
accordancewiththeethicalrequirementsthatarerelevanttoourauditofthefinancialstatementsin the UK,
includingtheFRC'sEthicalStandard,andwehavefulfilledourotherethicalresponsibilitiesin accordance with
theserequirements.Webelievethattheauditevidencewehaveobtainedissufficientandappropriate to
provide a basis for our opinion.

Conclusions relating to going concern

Inauditingthefinancialstatements,wehaveconcludedthatthetrustees'useofthegoingconcernbasis of
accounting in the preparation of the financial statements is appropriate.
Basedon the workwe haveperformed,we havenot identifiedany materialuncertaintiesrelatingto events or
conditionsthat,individuallyorcollectively,maycastsignificantdoubtonthecharitablecompany'sability to
continueasagoingconcernforaperiodofatleasttwelvemonthsfromwhenthefinancialstatements are
authorised for issue.
Ourresponsibilitiesandtheresponsibilitiesofthetrusteeswithrespecttogoingconcernaredescribedin the
relevant sections of this report.
Page 9

Report of the Independent Auditors to the Trustees of Radlett Reform Synagogue

Other information

Thetrusteesareresponsiblefortheotherinformation.Theotherinformationcomprisesthe information
includedin the Annual Report,otherthan the financialstatementsand our Reportof the Independent Auditors
thereon.
Ouropiniononthefinancialstatementsdoesnotcovertheotherinformationand,excepttothe extent
otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.
In connectionwith our audit of the financialstatements,our responsibilityis to read the other information and,
in doingso,considerwhethertheotherinformationis materiallyinconsistentwiththefinancialstatements or
ourknowledgeobtainedintheauditorotherwiseappearstobemateriallymisstated.Ifweidentify such
materialinconsistenciesor apparentmaterialmisstatements,we are requiredto determinewhetherthis gives
risetoamaterialmisstatementinthefinancialstatementsthemselves.If,basedontheworkwe have
performed,weconcludethatthereisamaterialmisstatementofthisotherinformation,wearerequired to
report that fact.  We have nothing to report in this regard.

Matters on which we are required to report by exception

WehavenothingtoreportinrespectofthefollowingmatterswheretheCharities(Accountsand Reports)
Regulations 2008 requires us to report to you if, in our opinion:

Responsibilities of trustees

As explainedmorefullyin theStatementof Trustees'Responsibilities,thetrustees(whoarealsothe directors
ofthecharitablecompanyforthepurposesofcompanylaw)areresponsibleforthepreparationof the
financialstatementsand forbeingsatisfiedthattheygivea trueand fairview,and forsuchinternalcontrol as
thetrusteesdetermineisnecessarytoenablethepreparationoffinancialstatementsthatarefree from
material misstatement, whether due to fraud or error.
Inpreparingthefinancialstatements,thetrusteesareresponsibleforassessingthecharitable company's
abilityto continueas a goingconcern,disclosing,as applicable,mattersrelatedto goingconcernand using the
goingconcernbasisofaccountingunlessthetrusteeseitherintendtoliquidatethecharitablecompanyor to
cease operations, or have no realistic alternative but to do so.
Page 10

Report of the Independent Auditors to the Trustees of Radlett Reform Synagogue

Our responsibilities for the audit of the financial statements

We have been appointedas auditorsunder Section144 of the CharitiesAct 2011and reportin accordance with
the Act and relevant regulations made or having effect thereunder.
Ourobjectivesare to obtainreasonableassuranceaboutwhetherthe financialstatementsas a wholeare free
frommaterialmisstatement,whetherdue to fraudor error,and to issuea Reportof the Independent Auditors
thatincludesouropinion.Reasonableassuranceisahighlevelofassurance,butisnotaguaranteethat an
auditconductedinaccordancewithISAs(UK)willalwaysdetectamaterialmisstatementwhenit exists.
Misstatementscanarisefromfraudorerrorandareconsideredmaterialif,individuallyorinthe aggregate,
theycouldreasonablybeexpectedtoinfluencetheeconomicdecisionsofuserstakenonthebasisof these
financial statements.
The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:
Becauseof the inherentlimitationsof an audit,thereis a risk that we will not detectall irregularities, including
thoseleadingtoamaterialmisstatementinthefinancialstatementsornon-compliancewithregulation. This
riskincreasesthemorethatcompliancewitha laworregulationis removedfromtheeventsand transactions
reflectedinthefinancialstatements,aswewillbelesslikelytobecomeawareoftheinstances of
non-compliance.Theriskisalsogreaterregardingirregularitiesregardingfraudratherthanerror,as fraud
involves intentional concealment, forgery, collusion, omission or misrepresentation.
As part of an auditin accordancewithISAs (UK)we exerciseprofessionaljudgementand maintain professional
scepticism throughout the audit. We also:
·Identifyandassesstherisksofmaterialmisstatementofthefinancialstatements,whetherduetofraud or
error,designandperformauditproceduresresponsivetothoserisks,andobtainauditevidencethat is
sufficientand appropriateto providea basisfor our opinion.The riskof not detectinga material misstatement
resultingfromfraudishigherthanforoneresultingfromerror,asfraudmayinvolvecollusion, forgery,
intentional omissions, misrepresentations, or the override of internal control;
· Obtainan understandingof internalcontrolrelevantto the auditin orderto designauditproceduresthat are
appropriatein the circumstances,but not for the purposesof expressingan opinionon the effectivenessof  the
company's internal control;
· Evaluatethe appropriatenessof accountingpoliciesused and the reasonablenessof accountingestimates and
related disclosures made by the directors;
· Concludeon the appropriatenessof the directors'use of the goingconcernbasisof accountingand, based on
theauditevidenceobtained,whetheramaterialuncertaintyexistsrelatedtoeventsorconditionsthat may
castsignificantdoubtonthecompany'sabilitytocontinueasagoingconcern.Ifweconcludethata material
uncertaintyexists,wearerequiredtodrawattentioninourauditor'sreporttotherelateddisclosuresin the
financialstatementsor, if such disclosuresare inadequate,to modifyour opinion.Our conclusionsare based  on
theauditevidenceobtaineduptothedateofourauditor'sreport.However,futureeventsorconditions may
cause the company to cease to continue as a going concern;
· Evaluatethe overallpresentation,structureand contentof the financialstatements,includingthe  disclosures,
andwhetherthefinancialstatementsrepresenttheunderlyingtransactionsandeventsinamanner that
achieves fair presentation.
Page 11

Report of the Independent Auditors to the Trustees of Radlett Reform Synagogue

We communicatewith those chargedwith governanceregarding,among other matters,the plannedscope and
timingoftheauditandsignificantauditfindings,includinganysignificantdeficienciesininternalcontrol that
we identify during our audit.
A furtherdescriptionof ourresponsibilitiesforthe auditof the financialstatementsis locatedon the Financial
ReportingCouncil'swebsiteatwww.frc.org.uk/auditorsresponsibilities.Thisdescriptionformspartof our
Report of the Independent Auditors.

Use of our report

Thisreportismadesolelytothecharitablecompany'strustees,asabody,inaccordancewithPart4of the
Charities(Accountsand Reports)Regulations2008.Our audit work has been undertakenso that we might  state
to the charitablecompany'strusteesthosematterswe are requiredto stateto them in an auditors'report and
fornootherpurpose.Tothefullestextentpermittedbylaw,wedonotacceptorassumeresponsibility to
anyoneotherthanthecharitablecompanyandthecharitablecompany'strusteesasabody,forour audit
work, for this report, or for the opinions we have formed.
Nagler Simmons
Chartered Accountants and Statutory Auditors
Eligible to act as an auditor in terms of Section 1212 of the Companies Act 2006
5 Beaumont Gate
Shenley Hill
Radlett
WD7 7AR
14 May 2025
Page 12

RADLETT REFORM SYNAGOGUE

Statement of Financial Activities

(Incorporating an Income and Expenditure Account) FOR THE YEAR ENDED 31 DECEMBER 2024

Unrestricted
funds
Notes
£
INCOME AND ENDOWMENTS
FROM
Donations and legacies
2
686,782
Charitable activities
5
Synagogue operations
3,278
Education
33,801
Government grants
19,240
Other trading activities
3
33,856
Investment income
4
13,577
Total
790,534
EXPENDITURE ON
Charitable activities
6
Synagogue operations
682,498
Education
104,469
High Holy Day Appeal
28,100
Auditors' remuneration
6,480
Total
821,547
NET INCOME/(EXPENDITURE)
(31,013)
RECONCILIATION OF FUNDS
Total funds brought forward
759,396
TOTAL FUNDS CARRIED
FORWARD
728,383
Restricted
Endowment
funds
fund
£
£
18,219
-
-
-
-
-
-
-
-
-
-
-
18,219
-
9,728
-
-
-
12,365
-
-
-
22,093
-
(3,874)
-
27,257
102,690
23,383
102,690
31.12.24
Total
funds
£
705,001
3,278
33,801
19,240
33,856
13,577
808,753
692,226
104,469
40,465
6,480
843,640
(34,887)
889,343
854,456
31.12.23
Total
funds
£
644,923
1,625
63,668
7,350
23,059
5,341
745,966
564,158
107,817
40,589
-
712,564
33,402
855,941
889,343
The notes form part of these financial statements
Page 13

RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Balance Sheet

31 DECEMBER 2024

Unrestricted
funds
Notes
£
FIXED ASSETS
Tangible assets
13
369,880
CURRENT ASSETS
Debtors
14
8,377
Cash at bank and in hand
392,808
401,185
CREDITORS
Amounts falling due within
one year
15
(42,682)
NET CURRENT ASSETS
358,503
TOTAL ASSETS LESS CURRENT
LIABILITIES
728,383
NET ASSETS
728,383
Restricted
funds
£
-
-
23,383
23,383
-
23,383
23,383
23,383
Endowment
fund
£
102,690
-
-
-
-
-
102,690
102,690
31.12.24
Total
funds
£
472,570
8,377
416,191
424,568
(42,682)
381,886
854,456
854,456
31.12.23
Total
funds
£
472,570
6,290
460,829
467,119
(50,346)
416,773
889,343
889,343
The notes form part of these financial statements
continued...
Page 14

RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Balance Sheet - continued

31 DECEMBER 2024

Unrestricted
Restricted
Endowment
funds
funds
fund
Notes
£
£
£
FUNDS
16
Unrestricted funds:
General fund
High Holy Day Appeal
Restricted funds:
Burial provision
High Holy Day Appeal
Clergy fund
Building levy
Endowment funds:
Permanent building fund (Permanent
endowment)
TOTAL FUNDS
31.12.24
Total
funds
£
706,549
21,834
728,383
3,125
16,819
2,037
1,402
23,383
102,690
854,456
31.12.23
Total
funds
£
733,469
25,927
759,396
3,125
12,367
11,765
-
27,257
102,690
889,343
Thecharitablecompanyis entitledtoexemptionfromauditunderSection477oftheCompaniesAct2006 for
the year ended 31 December 2024.
Themembershavenotdepositednotice,pursuanttoSection476oftheCompaniesAct2006requiring an
audit of these financial statements.
The trustees acknowledge their responsibilities for
These financial statements have been audited under the requirements of Section 145 of the Charities Act 2011.
The notes form part of these financial statements
continued...
Page 15

RADLETT REFORM SYNAGOGUE (REGISTERED NUMBER: 09271770)

Balance Sheet - continued

31 DECEMBER 2024

Thesefinancialstatementshavebeenpreparedinaccordancewiththeprovisionsapplicableto charitable
companies subject to the small companies regime.
The financialstatementswere approvedby the Board of Trusteesand authorisedfor issue on 13 May 2025 and
were signed on its behalf by:
S. Grant - Trustee
A Osper - Trustee
The notes form part of these financial statements
Page 16

RADLETT REFORM SYNAGOGUE

Cash Flow Statement

FOR THE YEAR ENDED 31 DECEMBER 2024

Notes
Cash flows from operating activities
Cash generated from operations
1
Net cash (used in)/provided by operating activities
Cash flows from investing activities
Interest received
Net cash provided by investing activities
Change in cash and cash equivalents in
the reporting period
Cash and cash equivalents at the
beginning of the reporting period
Cash and cash equivalents at the end of
the reporting period
31.12.24
£
(58,215)
(58,215)
13,577
13,577
(44,638)
460,829
416,191
31.12.23
£
54,456
54,456
5,341
5,341
59,797
401,032
460,829
The notes form part of these financial statements
Page 17

RADLETT REFORM SYNAGOGUE

Notes to the Cash Flow Statement

FOR THE YEAR ENDED 31 DECEMBER 2024

1. RECONCILIATION OF NET (EXPENDITURE)/INCOME TO NET CASH FLOW FROM OPERATING ACTIVITIES
31.12.24 31.12.23
£ £
Net (expenditure)/income for the reporting period (as per the
Statement of Financial Activities) (34,887) 33,402
Adjustments for:
Interest received (13,577) (5,341)
(Increase)/decrease in debtors (2,087) 14,439
(Decrease)/increase in creditors (7,664) 11,956
Net cash (used in)/provided by operations (58,215) 54,456

2.

ANALYSIS OF CHANGES IN NET FUNDS

At 1.1.24 Cash flow At 31.12.24
£ £ £
Net cash
Cash at bank and in hand 460,829 (44,638) 416,191
460,829 (44,638) 416,191
Total 460,829 (44,638) 416,191
The notes form part of these financial statements
Page 18
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements

FOR THE YEAR ENDED 31 DECEMBER 2024

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financialstatementsof the charitablecompany,which is a public benefitentityunder FRS 102, have
beenpreparedin accordancewiththe CharitiesSORP(FRS102)'Accountingand Reportingby Charities:
Statementof RecommendedPracticeapplicableto charitiespreparingtheir accountsin accordance with
theFinancialReportingStandardapplicableintheUKandRepublicofIreland(FRS102)(effective 1
January2019)',FinancialReportingStandard102'TheFinancialReportingStandardapplicablein the UK
andRepublicofIreland'andtheCompaniesAct2006.Thefinancialstatementshavebeen prepared
under the historical cost convention.
Thetrusteeshaveassessedwhethertheuseofthegoingconcernbasisisappropriate,and have
consideredpossibleeventsor conditionsthat might cast significantdoubt on the abilityof the charity to
continueas a goingconcern.Thetrusteeshavemadethisassessmentfora periodofat leastone year
fromthedateoftheapprovalofthesefinancialstatements,andhaveconcludedthatthereis a
reasonableexpectationthat the charityhas adequateresourcesto continuein operationalexistence for
theforeseeablefuture.Thecharitythereforeadoptsthegoingconcernbasisinpreparingits financial
statements.

Income

All incomeis recognisedin theStatementof FinancialActivitiesoncethecharityhas entitlementto the
funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilitiesare recognisedas expenditureas soon as there is a legal or constructiveobligation committing
thecharitytothatexpenditure,itisprobablethatatransferofeconomicbenefitswillberequired in
settlementand the amountof the obligationcan be measuredreliably.Expenditureis accountedfor on
an accrualsbasisand has beenclassifiedunderheadingsthataggregateall costrelatedto the category.
Wherecostscannotbedirectlyattributedtoparticularheadingstheyhavebeenallocatedto activities
on a basis consistent with the use of resources.
Grantsofferedsubjecttoconditionswhichhavenotbeenmetattheyearenddatearenotedas a
commitment but not accrued as expenditure.

Tangible fixed assets

Tangiblefixedassetsforusebythecharityarestatedatcostlessdepreciation.Individualfixed assets
costing less than £2,500 are not capitalised.
Depreciationisprovidedatratescalculatedtowriteoffthecostoffixedassets,overtheir expected
useful lives on the following basis.
Furniture & fittings         20% Reducing balance
No depreciationis providedon freeholdland and buildings,scrollsand silverware,which,in the opinion
of the trustees have a residual value not less than their cost.
continued...
Page 19
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

1. ACCOUNTING POLICIES - continued

Taxation

The charity is exempt from corporation tax on its charitable activities.

Fund accounting

Unrestrictedfundscanbeusedinaccordancewiththecharitableobjectivesatthediscretionof the
trustees.
Restrictedfundscanonlybeusedforparticularrestrictedpurposeswithintheobjectsofthe charity.
Restrictionsarisewhenspecifiedbythedonororwhenfundsareraisedforparticular restricted
purposes.
Furtherexplanationofthenatureandpurposeofeachfundisincludedinthenotestothe financial
statements.

Deferred income

Aprovisionfordeferredincomeismadewheretheincomeisreceivedintheyearbutcanonly be
recognised for a future year, and can be reliably measured at the balance sheet date.

Hire purchase and leasing commitments

RentalspaidunderoperatingleasesarechargedtotheStatementofFinancialActivitiesona straight
line basis over the period of the lease.

Pension costs and other post-retirement benefits

Thecharityoperatesadefinedcontributionpensionscheme.Contributionspayabletothe charity's
pension scheme are charged to the Statement of Financial Activities in the period to which they relate.

Legal status

Thecharityisincorporatedasacompanylimitedbyguaranteeandisregisteredwiththe Charity
Commission.Themembersof the companyhaveundertakento contributeup to theirguaranteeof £1
eachtowardstheliabilitiesofthecompanyintheeventthatitiswoundupwhilsttheyare,or within
one year of being members.
continued...
Page 20

RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

2. DONATIONS AND LEGACIES

DONATIONS AND LEGACIES
Membership donations
Legacies
Gift Aid receivable
Donations - restricted funds
Membership donations
31.12.24
£
563,705
25,000
98,077
18,219
705,001
31.12.23
£
532,751
-
99,805
12,367
644,923
31.12.24 31.12.23
£ £
Membership subscriptions 438,679 427,002
Higher rate tax donations 29,770 37,645
Board of deputies 9,175 10,965
Jewish Joint Burial Society 71,861 41,387
Donations - unrestricted 14,220 15,752
563,705 532,751
Donations - restricted funds
31.12.24 31.12.23
£ £
Building levy 1,401 -
Friends of Bereaved Families 5,562 -
HIAS + JCORE 5,612 -
Helping Herts 5,644 -
Borehamwood Foodbank - 6,183
Leket Israel - 6,183
18,219 12,366
continued...
Page 21

RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

3.
OTHER TRADING ACTIVITIES
Tree of life
Other fundraising activities
Hall hire
Nursery rental income
4.
INVESTMENT INCOME
Deposit account interest
5.
INCOME FROM CHARITABLE ACTIVITIES
Activity
Synagogue operations
Synagogue operations
Education
Education
Grants
Government grants
Grants received, included in the above, are as follows:
Unrestricted fund
Government grants
31.12.24
£
942
17,041
6,873
9,000
33,856
31.12.24
£
13,577
31.12.24
£
3,278
33,801
19,240
56,319
31.12.24
£
942
17,041
6,873
9,000
33,856
31.12.24
£
13,577
31.12.24
£
3,278
33,801
19,240
56,319
31.12.23
£
1,000
2,394
6,165
13,500
23,059
31.12.23
£
5,341
31.12.23
£
1,625
63,668
7,350
72,643
31.12.23
£
1,000
2,394
6,165
13,500
23,059
31.12.23
£
5,341
31.12.23
£
1,625
63,668
7,350
72,643
31.12.24 31.12.23
£ £
19,240 7,350
19,240 7,350
continued...
Page 22

RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

6. CHARITABLE ACTIVITIES COSTS

CHARITABLE ACTIVITIES COSTS
Synagogue operations
Education
High Holy Day Appeal
Auditors' remuneration
GRANTS PAYABLE
High Holy Day Appeal
Direct
Costs
£
586,344
104,469
19,928
-
710,741
Grant
funding of
activities
(see note
7)
£
-
-
12,365
-
12,365
Support
costs (see
note 8)
£
105,882
-
8,172
6,480
120,534
31.12.24
£
12,365
Totals
£
692,226
104,469
40,465
6,480
843,640
31.12.23
£
17,868
31.12.24 31.12.23
£ £
Leket Israel 6,183 -
Borehamwood food bank 6,183 5,308
World Jewish Relief - 10,462
12,366 15,771

7. GRANTS PAYABLE

continued...
Page 23
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued

FOR THE YEAR ENDED 31 DECEMBER 2024

8. SUPPORT COSTS

Governance
Other
costs
£
£
Synagogue operations
105,882
-
High Holy Day Appeal
8,172
-
Auditors' remuneration
-
6,480
114,054
6,480
Support costs, included in the above, are as follows:
31.12.24
High Holy
Synagogue
Day
Auditors'
Total
operations
Appeal
remuneration
activities
£
£
£
£
Equipment hire
1,943
-
-
1,943
Insurance
14,880
-
-
14,880
Light and heat
21,450
-
-
21,450
Telephone
5,637
-
-
5,637
Postage and stationery
4,790
-
-
4,790
Computer costs
13,279
-
-
13,279
Property maintenance
36,512
8,172
-
44,684
Bank charges
1,110
-
-
1,110
Professional fees
3,195
-
-
3,195
Payroll fees
3,086
-
-
3,086
Auditors' remuneration
-
-
6,480
6,480
105,882
8,172
6,480
120,534
Totals
£
105,882
8,172
6,480
120,534
31.12.23
Total
activities
£
1,563
15,291
22,960
5,505
4,966
14,190
25,282
923
4,711
5,335
6,480
107,206
continued...
Page 24
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

9. NET INCOME/(EXPENDITURE)

Net income/(expenditure) is stated after charging/(crediting):
31.12.24 31.12.23
£ £
Auditors' remuneration 6,480 6,480
Hire of plant and machinery 1,943 1,563
Other operating leases 15,544 18,154

10. TRUSTEES' REMUNERATION AND BENEFITS

The following are amounts paid to trustees or their families:
The trustees,R Levy or close membersof their familywere paid a total of £603(2023:£436)for working
inthecharity'sreligionschool.AuthorityforthisremunerationisgivenintheSynagogue's governing
document.
Exceptforspecificitemspurchasedforthecharity,noreimbursementofexpenseshasbeenmade to
any of the trustees during the year.

Trustees' expenses

Therewerenotrustees'expensespaidfortheyearended31December2024norfortheyear ended
31 December 2023.

11. STAFF COSTS

The average monthly number of employees during the year was as follows:
31.12.24 31.12.23
Rabbinic team 2 2
Youth and education 22 28
Administration 3 4
Maintenance 2 2
Community support worker 1 1
30 37
continued...
Page 25
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

11. STAFF COSTS - continued

Thenumberofemployeeswhoseemployeebenefits(excludingemployerpensioncosts) exceeded
£60,000 was:
£90,001 - £100,000 31.12.24
1
31.12.23
1
31.12.24 31.12.23
£ £
Gross wages and salaries 391,469 373,015
Employers' NIC 30,582 30,303
Pension costs 38,511 21,937
460,562 425,255
During the year, the Rabbis and one administrator were the only full time members of staff.
Employercontributionstothedefinedcontributionpensionschemefortheemployeeearning over
£60,000 in the year was £28,849 (2023: £11,548).

Key management personnel

Thekeymanagementpersonnelofthetrustcomprisethetrustees,rabbisandcommunity director.
The total amountof of employeebenefits(includingemployerpensioncontributions)receivedby  key
management personnel for their services to the trust was £267,458 (2023: £244,717).

12. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

Unrestricted
funds
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
632,556
Charitable activities
Synagogue operations
1,625
Education
63,668
Government grants
7,350
Other trading activities
23,059
Investment income
5,342
Total
733,600
Restricted
Endowment
funds
fund
£
£
12,367
-
-
-
-
-
-
-
-
-
(1)
-
12,366
-
Total
funds
£
644,923
1,625
63,668
7,350
23,059
5,341
745,966
continued...
Page 26

RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued

FOR THE YEAR ENDED 31 DECEMBER 2024

12.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES - continued
Unrestricted
Restricted
funds
funds
£
£
EXPENDITURE ON
Charitable activities
Synagogue operations
564,158
-
Education
107,817
-
High Holy Day Appeal
24,818
15,771
Total
696,793
15,771
NET INCOME/(EXPENDITURE)
36,807
(3,405)
RECONCILIATION OF FUNDS
Total funds brought forward
722,589
30,662
TOTAL FUNDS CARRIED FORWARD
759,396
27,257
13.
TANGIBLE FIXED ASSETS
Fixtures
Freehold
Jubilee
and
property
extension
fittings
£
£
£
COST
At 1 January 2024 and
31 December 2024
115,974
340,112
731
DEPRECIATION
At 1 January 2024 and
31 December 2024
-
-
731
NET BOOK VALUE
At 31 December 2024
115,974
340,112
-
At 31 December 2023
115,974
340,112
-
Endowment
fund
£
-
-
-
-
-
102,690
102,690
Scrolls &
Ark
£
16,484
-
16,484
16,484
Total
funds
£
564,158
107,817
40,589
712,564
33,402
855,941
889,343
Totals
£
473,301
731
472,570
472,570
Total
funds
£
564,158
107,817
40,589
712,564
33,402
855,941
889,343
continued...
Page 27

RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements- continued
FOR THE YEAR ENDED 31 DECEMBER 2024
14.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Prepayments and accrued income
15.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Trade creditors
Other creditors
Accruals and deferred income
DEFERRED INCOME
Deferred income at 1 January
Resources deferred in the period
Amount released from previous periods
Deferred income at 31 December
Deferred income comprises the following:
Advance subscriptions
31.12.24
£
8,377
31.12.24
£
972
1,583
40,127
42,682
31.12.24
£
8,377
31.12.24
£
972
1,583
40,127
42,682
31.12.23
£
6,290
31.12.23
£
36
-
50,310
50,346
31.12.23
£
6,290
31.12.23
£
36
-
50,310
50,346
31.12.23 31.12.23
£
11,766
27,593
(11,766)
27,593
27,593
27,593
£
27,593
21,013
(27,593)
21,013
21,013
21,013
continued...
Page 28
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued

FOR THE YEAR ENDED 31 DECEMBER 2024

16. MOVEMENT IN FUNDS

Unrestricted funds
General fund
High Holy Day Appeal
Restricted funds
Burial provision
High Holy Day Appeal
Clergy fund
Building levy
Endowment funds
Permanent building fund (Permanent
endowment)
TOTAL FUNDS
Net movement in funds, included in the above are as follows:
Unrestricted funds
General fund
High Holy Day Appeal
Restricted funds
High Holy Day Appeal
Clergy fund
Building levy
TOTAL FUNDS
At 1.1.24
£
733,468
25,928
759,396
3,125
12,367
11,765
-
27,257
102,690
889,343
Incoming
resources
£
786,456
4,078
790,534
16,817
-
1,402
18,219
808,753
Net
movement
At
in funds
31.12.24
£
£
(26,919)
706,549
(4,094)
21,834
(31,013)
728,383
-
3,125
4,452
16,819
(9,728)
2,037
1,402
1,402
(3,874)
23,383
-
102,690
(34,887)
854,456
Resources
Movement
expended
in funds
£
£
(813,375)
(26,919)
(8,172)
(4,094)
(821,547)
(31,013)
(12,365)
4,452
(9,728)
(9,728)
-
1,402
(22,093)
(3,874)
(843,640)
(34,887)
continued...
Page 29
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

16. MOVEMENT IN FUNDS - continued

Comparatives for movement in funds

Unrestricted funds
General fund
High Holy Day Appeal
Restricted funds
Burial provision
High Holy Day Appeal
Clergy fund
Endowment funds
Permanent building fund (Permanent
endowment)
TOTAL FUNDS
At 1.1.23
£
702,511
20,078
722,589
3,125
15,772
11,765
30,662
102,690
855,941
Net
movement
in funds
£
30,958
5,849
36,807
-
(3,405)
-
(3,405)
-
33,402
At
31.12.23
£
733,469
25,927
759,396
3,125
12,367
11,765
27,257
102,690
889,343
Comparative net movement in funds, included in the above are as follows:
Unrestricted funds
General fund
High Holy Day Appeal
Restricted funds
High Holy Day Appeal
TOTAL FUNDS
Incoming
resources
£
725,654
7,946
733,600
12,366
745,966
Resources
Movement
expended
in funds
£
£
(694,696)
30,958
(2,097)
5,849
(696,793)
36,807
(15,771)
(3,405)
(712,564)
33,402
continued...
Page 30
RADLETT REFORM SYNAGOGUE

Notes to the Financial Statements - continued FOR THE YEAR ENDED 31 DECEMBER 2024

17. RELATED PARTY DISCLOSURES

Therewerenorelatedpartytransactionsfortheyearended31stDecember2024norforthe year
ended 31st December 2023 other than those disclosed in note 10.

18. DETAILS OF RESTRICTED FUNDS

Clergy fund - Donations to help the synagogue be able to support a member.

High Holy Day Appeal funds

Burial Provision - To assist members that are not completely covered by their JJBS burial scheme.
Friends of Bereaved Families - a charity to whom we provided funds from our High Holy Day Appeal.
HIAS + JCORE - a charity to whom we provided funds from our High Holy Day Appeal.
Helping Herts - a charity to whom we provided funds from our High Holy Day Appeal.
Leket Israel - a charity to whom we provided funds from our High Holy Day Appeal.
Borehamwood Foodbank - a local charity to whom we provided funds from our High Holy Day Appeal.

19. PERMANENT BUILDING FUND (PERMANENT ENDOWMENT)

The Permanent Endowment Fund relates to the purchase of the original synagogue land and buildings.
TherestrictedJubileeFundisspecificallyusedfortheextensionandimprovementofthe existing
premises.
Page 31