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2022-12-31-accounts

REGISTERED CHARITY NUMBER: 1161689

TEACHBEYOND UK CIO

REPORT OF THE TRUSTEES AND

UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

Scott & Wilkinson Dalton House

9 Dalton Square LANCASTER LA1 1WD

TEACHBEYOND UK CIO CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

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Page
Reference and Administrative Details 1
Report of the Trustees 2 to 5
Independent Examiner's Report 6
Statement of Financial Activities 7
Balance Sheet 8
Notes to the Financial Statements 9 to 15
Detailed Statement of Financial Activities 16 to 17
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TEACHBEYOND UK CIO REFERENCE AND ADMINISTRATIVE DETAILS FOR THE YEAR ENDED 31 DECEMBER 2022

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Trustees Dr C R Jackson
Mr T M Preece (resigned 31/5/2022)
Dr A Mclhenny
Rev A M Thomas
Dr E Oborn-Barrett (resigned 31/5/2022)
Mr B Callan (appointed 1/7/2022)
Mr I Frost (appointed 1/7/2022)
Mr S Williams (appointed 1/7/2022)
Principal address 3-3-2 Storey House
White Cross Business Park
LANCASTER
LA1 4XQ
Registered charity number 1161689
Independent examiner Scott & Wilkinson
Dalton House
9 Dalton Square
LANCASTER
LA1 1WD
Bankers HSBC Bank plc
35 Market Street
Lancaster
Lancashire
LA1 1JQ
Key staff Mr M D Coe
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Page 1

TEACHBEYOND UK CIO REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2022

The trustees present their report with the financial statements of the charity for the year ended 31 December 2022. The trustees have adopted the provisions of 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 trustees have pleasure in submitting the Report and Accounts for the year ended 31st December 2021.

Objectives and activities

Objectives and aims

  1. The advancement of Christianity and the furtherance of transformational education in the UK and abroad to children and adults through the provision of teaching and learning services to all in order to promote holistic personal growth and enduring social benefit.

  2. Such other purposes as are recognised by English law as charitable In planning the activities the Trustees have had regard to the guidance issued by the Charity Commission on 'Public Benefit'.

The mission of TeachBeyond UK

To prepare and send Christian teachers and other related (support) staff to educational opportunities across the world to enable those they serve to become all God intends them to be.

The primary beneficiaries are those who receive services from the members (teachers and other professionals) who are part of TeachBeyond UK. This includes children and teachers at Christian schools, colleges and camps across the world. The general public, including most specifically parents and relatives, are beneficiaries through the impact TeachBeyond UK's services have on individuals and organisations.

TeachBeyond UK is a part of TeachBeyond Global. Many schools that ask for partnership with TeachBeyond Global have a range of needs. As well as needing more teachers they often need professional development for their staff and governing body and help with issues related to running a school. TeachBeyond UK members assist members from TeachBeyond in other countries to meet these needs.

Achievement and performance

TeachBeyond UK achievements

2022 saw a gradual emergence from Covid which has resulted in the charity gradually getting back to normal. We were very fortunate to have M Coe fully join us as National Director from January 2022.

The UK National Team were able to move to a larger office that included a conference room used for private meetings and team discussions and prayer time.

A new financial accounting software was introduced.

A new website was launched.

Outreach and recruitment

2022 has seen a steady growth in the numbers of members we send overseas. In 2022 we had 104 enquiries with 27 applications. At the end of 2022, in total, we had 31 serving abroad (27 in 2021) with 4 in the UK. There are 5 still looking for a suitable placement or are raising financial support.

Now moving out of the Covid, we are now looking at offering church meetings again to increase our supporter base and gradually increase our standing in the marketplace.

Regular posts have been placed on Facebook and Twitter pages.

Page 2

TEACHBEYOND UK CIO

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2022

Achievement and performance

Fundraising activities

During 2022 with the lifting of Covid restrictions we were able to get involved in more fundraising activities. One of our highlights was the London Half Marathon which raised £6000 and involved the UK and Global Office staff.

We successfully applied for grants to support our unrestricted funds which is vital to support our office base. Our general donations were slightly higher than previous years as we progress towards becoming a self-supporting charity.

The annual grant from TeachBeyond North America (CANUSA) was further reduced but is part of their commitment to support national entities across the world. We are very grateful for all the support we have been given from TeachBeyond CANUSA.

Further developments

As our new National Director established himself the trustees met with him to review our strategic plan for the coming years. Our priority to establish firm links with Ireland continue along with establishing links with UK Christian School networks. We were fortunate to recruit a board member who lives in Ireland so that we can continue our discussions so that we can work across the whole of Ireland to recruit members to work in educational establishments across the world.

Our work with Open Schools Worldwide to integrate them into Teach Beyond UK continues.

Financial review

Financial position

Results and appropriations - The financial results and state of affairs including reserve positions of the charity for the 12 month period ended 31st December 2022 are set out in the financial statements on the following pages. Our income for the 12 months ending 31st December 2022 was £492,137. Expenditure for the same period was £512,980, producing an operating loss of £20,843. This is a decrease of £79,305 over last year. This drop was largely caused by a significant increase in expenditure of which there where several genuine factors including the cost of living for our members overseas has gone up more than their donations, and so they are eating into their reserves.

Principal funding sources

2022 saw 12 members serving overseas, which provides our main ongoing funding source. In 2022 we received money from 402 individual donors, 27 churches and organisations and 5 trusts, a total of 434 donors. For comparison we had 436 donors in 2021 and 297 donors in 2020.

As reported above TeachBeyond UK continues to receive a grant from TeachBeyond CANUSA. This helps in covering the operational expenses of the charity. We continue to have regular communication with them to ensure a timely transfer of funds are made so that salaries and all other costs of running the organisation can be paid on their due dates.

During 2022 the charity received grants of £20,000 from various trusts which is slightly lower than the previous year. The trustees recognise that the charity needs to make continued efforts in fundraising activities. We have continued to receive income from our partnership with Christian TEFL for which we are grateful. This enables our UK members serving overseas to be able to teach English as a second language.

Having previously set up an EasyFundraising portal for TeachBeyond UK we continue to receive donations when supporters who have registered make purchases from selected internet suppliers.

Reserves policy

The trustees' policy of keeping one month's restricted funds as a reserve continues to be adhered to. So that the charity can continue to operate should income and/or expenditure vary unexpectedly. The trustees have determined that the charity should hold a reserve of unrestricted funds equal to no less than two month's unrestricted expenditure, which would equate to £17,391. At the year end the charity held unrestricted funds of £19,659 so the reserves policy is complied with. For comparison, the figure in 2020 was £8,909 and in 2021 was £23,565.

Scott and Wilkinson were appointed as independent examiners of the accounts.

Page 3

TEACHBEYOND UK CIO

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2022

Future plans

Our plans for the coming year are:

  1. To update our 5 year 'Strategic Plan' now our Director has been in post for more than a year

  2. Appoint one or two additional board members to support the areas of development as identified in our Strategic Plan

  3. To put in place a development programme for trustees related to our work with TeachBeyond Global and their

constituent partners.

  1. To implement our plans to work in Ireland which includes appointing a member of staff to oversee this work.

  2. To continue to develop our partnerships with other Christian Organisations including UK Christian schools and

colleges

  1. Further increase our members and donors

  2. Develop and implement a strategic plan for unrestricted income

  3. Continue to work closely with our Open Schools Worldwide network

  4. Continue to increase our profile as the sending mission of choice for educational projects worldwide.

Structure, governance and management

TeachBeyond UK Charity Governance

The charity is controlled by its governing document and a deed of trust.

The charity is a charitable incorporated organisation, registered with the Charity Commission on 15 May 2015.

Recruitment and appointment of new trustees

Our strategic direction and strategic decisions relating to the charity are made by the trustees and remain consistent with our policies and in consultation with the UK National Director. The operational running of the charity is delegated to the UK National Director and his staff. The powers of appointment or removal of trustees rests with the trustees. During the coming year we will continue to seek new trustees who are able to support our strategic objectives. New trustees are selected from nomination by individual trustees and are wholeheartedly involved in seeing the mission of the charity fulfilled. During 2023 we will continue to seek trustees who are able to support our work in Northern Ireland and work with Christian Schools and Colleges.

There is a minimum of three and a maximum of twelve trustees. The President of TeachBeyond Global and the Vice President for TeachBeyond Europe are ex-officio members in line with our current constitution.

During 2023 we will be considering how our board is supported is terms of clerking given our board is growing in number and our work is diversifying.

TeachBeyond UK Trustees and staff

During 2022 we had two trustees whose terms of office was completed. Mr T Preece and Dr E Oborn stepped down from the board in May 2022. Both had made considerable contributions to TeachBeyond UK.

In July 2022 we appointed three new trustees Mr B Callan, Mr I Frost and Mr S Williams.

In January 2022 Mr M Coe fully took over the role as National Director for TeachBeyond UK. This was based on a three day a week contract to enable M Coe to continue his work with TeachBeyond Global. It is intended that his work with TeachBeyond UK will increase over the coming year and his contract will be reviewed.

As of December 2022, there are part time UK staff working for the TeachBeyond UK Office, namely:

  1. National Director, M Coe

  2. Finance Officer, F Kates

  3. Recruitment and Personnel Manager, L Hosker

  4. Administrative Assistant, L Ward

  5. Mobiliser, A Russell

There were also 2 volunteers and associate members working in the UK, A Kessop and G Yang.

Page 4

TEACHBEYOND UK CIO REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 DECEMBER 2022

Structure, governance and management Risk management

The trustees have a duty to identify and review the risks to which the charity is exposed and to ensure appropriate controls are in place to provide reasonable assurance against fraud and error.

During the reporting period risk assessments were made for mission trips by members and staff of the charity. The UK Director identified a need to review insurance and pension contributions of members. Both areas have been addressed.

As the situation in Ethiopia has continued it has become necessary to review our position with members working in this country.

TeachBeyond Global has asked that all National Entities sign an agreement which will be completed in 2023. Alongside this we have been asked to take a thorough review of our UK Policy manual so that it complies with TeachBeyond Global policies and practices and where appropriate modified for the UK. This is now an ongoing process with the UK Office and the trustees.

Further information on the Governance of TeachBeyond UK

The board is chaired by Dr Coleen Jackson and supported by the TeachBeyond UK Office. Dr Jackson and Dr A McIlhenny are members of the Global Board. Dr Jackson is also Vice Chair of the Global Board.

Approved by order of the board of trustees on ............................................. and signed on its behalf by:

........................................................................ Dr C R Jackson - Trustee

Page 5

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF TEACHBEYOND UK CIO

Independent examiner's report to the trustees of TeachBeyond UK CIO

I report to the charity trustees on my examination of the accounts of TeachBeyond UK CIO (the Trust) for the year ended 31 December 2022.

Responsibilities and basis of report

As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the Trust's accounts carried out under Section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under Section 145(5)(b) of the Act.

Independent examiner's statement

Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a member of the Institute of Chartered Accountants in England and Wales, which is one of the listed bodies.

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 Trust as required by Section 130 of the Act; or

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

  3. the accounts 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.

S W Hinnigan FCA CTA

Scott & Wilkinson Dalton House 9 Dalton Square LANCASTER LA1 1WD

Date: .............................................

Page 6

TEACHBEYOND UK CIO

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2022

Unrestricted
funds
Notes
£
Income and endowments from
Donations and legacies
2
92,952
Investment income
3
850
Other income
4
-
Total
93,802
Expenditure on
Charitable activities
5
TeachBeyond
97,708
NET INCOME/(EXPENDITURE)
(3,906)
Reconciliation of funds
Total funds brought forward
23,565
Total funds carried forward
19,659
Restricted
fund
£
398,335
-
-
398,335
415,272
(16,937)
165,003
148,066
2022
Total
funds
£
491,287
850
-
492,137
512,980
(20,843)
188,568
167,725
2021
Total
funds
£
393,845
702
333
394,880
336,238
58,642
129,926
188,568

The notes form part of these financial statements

Page 7

TEACHBEYOND UK CIO

BALANCE SHEET 31 DECEMBER 2022

Unrestricted
funds
Notes
£
Current assets
Debtors
12
2,699
Cash at bank and in hand
18,240
20,939
Creditors
Amounts falling due within one year
13
(1,280)
Net current assets
19,659
Total assets less current liabilities
19,659
NET ASSETS
19,659
Funds
15
Unrestricted funds
Restricted funds
Total funds
Restricted
fund
£
29,607
118,459
148,066
-
148,066
148,066
148,066
2022
Total
funds
£
32,306
136,699
169,005
(1,280)
167,725
167,725
167,725
19,659
148,066
167,725
2021
Total
funds
£
19,340
170,468
189,808
(1,240)
188,568
188,568
188,568
23,565
165,003
188,568

The financial statements were approved by the Board of Trustees and authorised for issue on ............................................. and were signed on its behalf by:

............................................. Dr C R Jackson - Trustee

The notes form part of these financial statements

Page 8

TEACHBEYOND UK CIO NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

1. Accounting policies

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, 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)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention.

Financial reporting standard 102 - reduced disclosure exemptions

The charity has taken advantage of the following disclosure exemptions in preparing these financial statements, as permitted by FRS 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland':

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

The charity receives government grants in respect of Coronavirus Job Retention Scheme. Income from government and other grants are recognised at fair value when the charity has entitlement after any performance conditions have been met, it is probable that the income will be received and the amount can be measured reliably. If entitlement is not met then these amounts are deferred.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, 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 accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

Taxation

The charity is exempt from tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Pension costs and other post-retirement benefits

The charity operates a defined contribution pension scheme. Contributions payable to the charity's pension scheme are charged to the Statement of Financial Activities in the period to which they relate.

Page 9

TEACHBEYOND UK CIO

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2022

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2. Donations and legacies
2022 2021
£ £
General donations 425,064 335,996
Donations from trusts 20,000 21,750
Gift aid 42,426 31,938
Fundraising activities 3,797 4,161
491,287 393,845
3. Investment income
2022 2021
£ £
Deposit account interest 623 693
Other interest receivable 227 9
850 702
4. Other income
2022 2021
£ £
Government grants - 333
5. Charitable activities costs
Grant
funding of
Direct activities Support
Costs (see (see note costs (see
note 6) 7) note 8) Totals
£ £ £ £
TeachBeyond 322,271 169,503 21,206 512,980
6. Direct costs of charitable activities
2022 2021
£ £
Staff costs 271,926 219,670
Insurance 5,485 4,965
Overseas team expenses 34,208 25,812
Other team expenses 10,652 4,029
322,271 254,476
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Page 10

TEACHBEYOND UK CIO

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2022

7. Grants payable

TeachBeyond
The total grants paid to institutions during the year was as follows:
Other TeachBeyond organisations operating overseas
2022
£
169,503
2022
£
120,186
2021
£
67,103
2021
£
49,395

8. Support costs

Support costs
TeachBeyond Management
£
19,017
Governance
costs
£
2,189
Totals
£
21,206
Support costs, included in the above, are as follows:
Management
Insurance
Printing, postage and stationery
Other costs
Office costs
Fundraising costs
Subscriptions
2022
TeachBeyond
£
707
1,383
6,125
8,169
1,003
1,630
2021
Total
activities
£
1,763
388
2,449
5,920
685
1,434
19,017 12,639
Governance costs
Independent examination
Other
2022
TeachBeyond
£
2,189
-
2021
Total
activities
£
1,480
540
2,189 2,020

Page 11

TEACHBEYOND UK CIO NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2022

9. Trustees' remuneration and benefits

There were no trustees' remuneration or other benefits for the year ended 31 December 2022 nor for the year ended 31 December 2021.

Trustees' expenses

The trustees incurred total expenses of £541.44 relating to travel, accommodation and subsistence in the year 2022.

10. Staff costs

Wages and salaries
Social security costs
Other pension costs
The average monthly number of employees during the year was as follows:
Charitable activities
No employees received emoluments in excess of £60,000.
Comparatives for the statement of financial activities
Unrestricted
funds
£
Income and endowments from
Donations and legacies
92,456
Investment income
702
Other income
333
Total
93,491
Expenditure on
Charitable activities
TeachBeyond
78,835
NET INCOME
14,656
Reconciliation of funds
Total funds brought forward
8,909
Total funds carried forward
23,565
2022
£
256,865
11,549
3,512
271,926
2022
18
Restricted
fund
£
301,389
-
-
301,389
257,403
43,986
121,017
165,003
2021
£
209,796
7,924
1,950
219,670
2021
19
Total
funds
£
393,845
702
333
394,880
336,238
58,642
129,926
188,568

11. Comparatives for the statement of financial activities

Page 12

TEACHBEYOND UK CIO

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2022

12. Debtors: amounts falling due within one year

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|||| |---|---|---| |2022|2021| |£|£| |Other debtors|25,682|8,610| |Prepayments|6,624|10,730| |32,306|19,340| |13.|Creditors: amounts falling due within one year| |2022|2021| |£|£| |Other creditors|1,280|1,240|

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14. Leasing agreements

Minimum lease payments under non-cancellable operating leases fall due as follows:

Within one year

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||| |---|---| |2022|2021| |£|£| |4,323|2,281|

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The charity has an operating lease for its office. The date of the next break clause is 31 August 2023 and the minimum amount payable until that date is £4,323.

During the year the charity was charged £5,543 (2021 - £4,238) for its operating lease.

15. Movement in funds

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||||| |---|---|---|---| |Net| |movement|At| |At 1/1/22|in funds|31/12/22| |£|£|£| |Unrestricted funds| |General fund|23,565|(3,906)|19,659| |Restricted funds| |Education fund|165,003|(16,937)|148,066| |TOTAL FUNDS|188,568|(20,843)|167,725|

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Page 13

TEACHBEYOND UK CIO NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2022

15. Movement in funds - continued

Net movement in funds, included in the above are as follows:

Incoming
resources
£
Unrestricted funds
General fund
93,802
Restricted funds
Education fund
398,335
TOTAL FUNDS
492,137
Comparatives for movement in funds
At 1/1/21
£
Unrestricted funds
General fund
8,909
Restricted funds
Education fund
121,017
TOTAL FUNDS
129,926
Comparative net movement in funds, included in the above are as follows:
Incoming
resources
£
Unrestricted funds
General fund
93,491
Restricted funds
Education fund
301,389
TOTAL FUNDS
394,880
Resources
Movement
expended
in funds
£
£
(97,708)
(3,906)
(415,272)
(16,937)
(512,980)
(20,843)
Net
movement
At
in funds
31/12/21
£
£
14,656
23,565
43,986
165,003
58,642
188,568
Resources
Movement
expended
in funds
£
£
(78,835)
14,656
(257,403)
43,986
(336,238)
58,642

The Education Fund was created from grants and donations received to support the work done in the area of education by individuals named by donors and a variety of other projects that promote education,

Page 14

TEACHBEYOND UK CIO

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 DECEMBER 2022

16. Employee benefit obligations

During the year employer's pension contributions totalling £3,512 (2021 - £1,950) were payable to defined contribution pension schemes. No pension contributions were owing at the balance sheet date.

17. Related party disclosures

During the year the charity received donations totalling £30,002 (2021 - £39,744) from related parties (which includes trustees, any other members of key management and anyone closely connected to them).

Page 15

TEACHBEYOND UK CIO

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2022

Income and endowments
Donations and legacies
General donations
Donations from trusts
Gift aid
Fundraising activities
Investment income
Deposit account interest
Other interest receivable
Other income
Government grants
Total incoming resources
Expenditure
Charitable activities
Wages
Social security
Pensions
Insurance
Overseas team expenses
Other team expenses
Grants to institutions
Grants to individuals
Support costs
Management
Insurance
Printing, postage and stationery
Other costs
Office costs
Fundraising costs
Subscriptions
Governance costs
Independent examination
Carried forward
2022
£
425,064
20,000
42,426
3,797
491,287
623
227
850
-
492,137
256,865
11,549
3,512
5,485
34,208
10,652
120,186
49,317
491,774
707
1,383
6,125
8,169
1,003
1,630
19,017
2,189
2,189
2021
£
335,996
21,750
31,938
4,161
393,845
693
9
702
333
394,880
209,796
7,924
1,950
4,965
25,812
4,029
49,395
17,708
321,579
1,763
388
2,449
5,920
685
1,434
12,639
1,480
1,480

This page does not form part of the statutory financial statements

Page 16

TEACHBEYOND UK CIO

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2022

Governance costs
Brought forward
Other
Total resources expended
Net (expenditure)/income
2022
£
2,189
-
2,189
512,980
(20,843)
2021
£
1,480
540
2,020
336,238
58,642

This page does not form part of the statutory financial statements

Page 17