## **BEVERLEY CHERRY TREE COMMUNITY CENTRE**
## **ANNUAL REPORT**
**2021 to 2022**
## **CHAIRMAN’S REPORT**
These last two years have been difficult and Cherry Tree Centre’s principle response was to adapt our meeting room into a social supermarket. The need for this was becoming apparent before Covid, which immediately amplified the needs of many struggling to balance their domestic bills with reduced income. The supermarket has been a notable success and I want to thank all those, in whatever capacity, who have contributed to its value.
It has to be said however, that the need for foodbanks and similar, while within our constitutional aims and of enormous value to our local community is not what should be our primary role. Cherry Tree Centre came into existence to focus the strengths of the Swinemoor Estate Community and to provide opportunity and support for people to share abilities, ideas and energy in an atmosphere of kinship, acceptance and cooperation. Our scope has been reduced.
Sadly, while our Advice Service met significant demands as problems multiplied for those in difficult circumstances, we lost Steve who led the advice team. This was a serious blow to us and my heart went out to his family coping with such a tragic terminal illness. That has only highlighted the ongoing need to assist families and individuals having to cope with universal benefit, employment difficulties, bills, health and emotional crises etc. The range of problems is akin to pre-Victorian levels of social distress but our response should not rely on charity and philanthropy delivered through a patchwork of voluntary organisations. Our welfare state provision, in, as we are told, a world-beating economy had to be bolstered, improved and genuinely be a credit to the country.
Lastly, however, Cherry Tree Centre’s brightest spot and continuing source of positivity is Little Gruffalo’s. The pre-school provision for nursery age children is terrific. The staff are uniformly marvelous and though this is a tough environment to work in, they contribute with energy and enthusiasm to the educational and social development of the kids on our roll.
On that happy note, let me thank our manager Jo and Little Gruffalo’s leader Alison and my fellow trustees for all their work and support. In addition, our grateful recognition of our local councils and all our other donors and grantgivers who enable Cherry Tree to continue is work.
Jim Whitfield
## **CENTRE MANAGERS REPORT 2022**
2021 saw another year of lockdowns, working from home and restrictions due to the pandemic. The year proved to be a challenging one again for us at the centre due Covid-19. Our strength has always been a combination of a hard working staff team, supported by amazing volunteers. We have continued to serve and meet the needs of the local community and surrounding areas of the East Riding.
## **ADVICE**
Our Advice Service was pushed to the limits by the number of calls, emails and people in crisis. We supported clients with gas and electric vouchers, beds, heating, food, washing machines, cookers etc. We welcomed our new advisor, Lisa, who came to us to support the elderly in Bridlington through a National Lottery Grant. However due to the restrictions caused by the pandemic, she worked from home supporting all of our clients. Lisa continues to support people with issues such as debts. Unfortunately Steve, our senior advisor, became ill and sadly passed away. He was a fantastic colleague and friend and he will be greatly missed by everyone.
## **PRE-SCHOOL & OUT OF SCHOOL CLUB**
Little Gruffalo’s has had a difficult time with adapting to working under Covid restrictions. A massive thank you to all of the team who work extremely closely with the Children’s Centre, social workers, Portage, East Riding SENCO team and East Riding Family Information Service, and special thanks to Paul Herbert for his continued support and advice through all of the challenges we face at Little Gruffalo’s Pre-School and Out of School Club.
The Out of School Club lost a large number of children throughout the pandemic as parents worked from home. This meant we lost some of our regular payments from parents. Fortunately numbers have now increased again as parents have returned to work.
## **CHERRY TREE PANTRY**
The pantry was set up and began in October 2020. Fifty places were initially available for membership. However, demand grew in the first three weeks. We now have approximately 170 members that attend the pantry every week. This would not be possible without our team of volunteers. We currently have 32 pantry volunteers who help by collecting food and working shifts in the pantry. We receive support from a number of supermarkets and local businesses.
Without their support the pantry would struggle to meet the needs of the community. There have been lots of tears, anxieties and some reluctance from people when they start using the pantry, however soon they feedback that the pantry is a lifeline for them. One member commented that they never buy fruit and vegetables as they could not afford it and they consider it to be a luxury. They were overwhelmed to receive a bag full each week for free from the pantry. Thank you to everyone who has sponsored and supported the pantry.
## **GROUPS**
Due to the users of our pensioners and survivors of strokes groups being vulnerable, it has been difficult for our members to continue to meet. A big thank you to the volunteers who support these groups and are busy preparing for the groups restarting at the end of this month in their new venue – Armstrongs.
## **HAF FREE SCHOOL MEALS BAGS**
In conjunction with the Food Poverty Alliance, we have supported 2500 to 3000 families in receipt of free school meals by delivering bags of food to schools and homes. Once again a big thank you to all of the volunteers who helped to support this project.
## **HAF HOLIDAY ACTIVITIES**
In conjunction with East Riding of Yorkshire Council we arranged activities during the school holidays throughout the year such as trips to the cinema, Jump Inc, museums, mini golf and pizza making. This project was very challenging due to the numbers of cases of Covid among the staff and children.
## **YOUTH CLUB**
The Cherry Tree Youth Club is aimed at young people between the age ranges of 9-18 living in the Beverley area. We have been running for five years and started off using the main meeting room in The Cherry Tree Centre. We expanded rapidly with so many young people coming along to take part in the fun activities.
We are currently looking for our own permanent place, but in the meantime we use the facilities of local places who rent out their rooms. Whilst not ideal this means we get to meet up and have fun. From the 7[th] February 2022 we will be at Armstrongs club every Monday.
We have continued to work through the pandemic with our youth workers thinking outside of the box and doing well-being visits and outdoor trips to keep
us connected. We have taken part in online escape the rooms and have been able to use the cinema, Jump Inc. and other entertainment facilities on Flemingate.
We have been supporting young people in Beverley through our outreach programme which has been successful in reaching young people who may not wish to join in some of our structured activities but may be in need of support.
We have a strong team of well motivated and enthusiastic youth workers who are dedicated to improving the life chances of the young people they are in contact with. Our youth work team all work with young people in their day jobs and happily work with the Cherry Tree manager to offer a fantastic youth club on evenings and weekends. Our youth workers plan activities for the school holidays and last summer ran an out of schools sports group supported by The East Riding Council, to offer a fitness programme packed with a diverse range of activities and ensure all the young people who attended on Burden Road playing fields were well fed and watered too.
We were extremely fortunate to be chosen to take part in the Two Ridings Dragons Den. One of young people went along with myself and Fiona and spoke to the audience about the Youth Club. We were awarded a grant and the audience award.
## **THANK YOU**
It would take pages and pages to thank all of the businesses in Beverley and the East Riding, the local people and all of the funders that have supported the charity throughout the difficult times of Covid-19. Without your support, both financial and practical, the centre would not be in the thriving position it is in today.
## Joanne Ramsay
## **TREASURER’S REPORT**
The year 2020-2021 has been such a difficult year for everyone and certainly a challenge for us. But once again we have shown that the change from a charity to a CIO it has allowed us to be a fluid adaptable organisation. We have been supported by so many and this has allowed us to support so many families with our various services we offer in times we have not seen for many years, it has been challenging, time consuming, frustrating but very, very rewarding.
Financially we are in a healthy place, as is reflected in our accounts, this has allowed us to continue to grow and deliver our services whilst making modernisations to the centre.
We enter a period of uncertain times in the coming financial year as we come out of lock down and discover how Brexit may impact us all, but our organisation will be there for you and your families…
I have written a little poem, I’ve called it……
What life would be like without this charity….
“This wonderful little charity
Cherry Tree is its name
Sleepless nights and lack of tea
Fighting poverty is our game
A pantry stocked with plenty
Whilst my belly goes empty
Our advice service goes from strength to strength its services needed plenty
I count the pennies in a possessive way as if they were my own
A pre-school we are proud of
Our staff oh how they’ve grown
Smiling little faces of children aged 2 and 3 and 4
Alison shouts at her staff….shut that bloody door
The youth club is now a vibrant group imbedded with investment
Fi comes up with some crazy ideas
## We shout ……where’s the RISK ASSESSMENT!
Marie with her coffee
Pat playing her flute
100’s of team meetings
Jim you are on mute!
The volunteers they work so hard and never moan out loud They deserve a special mention, The trustees are so proud
Terry writing funding bids, an endless task for us
But when he brings a good 1 in, you should see his face abuzz
The front doors buzzer broken
But Jane she doesn’t care
Up and down those bloody stairs
Oh how she runs with flair
Our chair is a jetsetter, always off to France
Always squeezing meetings in, Jim give us a bloody chance
Our other Jim is a constant
With a question here or there
Now a Freeman of Beverley
He gets everywhere
Claire my right-hand counter, guard dog at the gate
She always watching the money line
No Jo you cant spend that-let me speak to Tony, dam its all too late
This leads me to the gaffer (Joanne)
Best be careful what I says
The charity is a part of us
In so many special in many ways
I’d like to say ‘thankyou’ to our funders for all the cash they’ve brought It really helps the communities
Next year, please just add a nought
All the businesses, councillors and people that have helped us on the way Your support to us is invaluable, next year …please please will you stay?
The charity is a special place, its special in our heart So many thank you’s…. I didn’t know where to start But I’d like to say thank you, to absent friends so dear
We will cherish you in all our hearts and all you’ve done EVERY single year
So what would life be like without this charity? Stress free, lots of fun and many hours free for me But then there would be no support
for East Riding families
Advice, food banks, pre-school, youth club and housing too
At this AGM The trustees would like to say a very big THANK YOU!
Tony Henderson Honorary Treasurer
**Beverley Cherry Tree Centre**
## **Statement of Financial Activities Including Financial Activities For the period ended 31 March 2021**
|**Income**
**Notes **
Donations, Grants and Legacies
2
Income from Charitable Activities
3
Income from Other Trading Activities
4
Investment Income
Total Income
**Expenditure**
Charitable Activities
5
Costs of Raising Funds
5
Total Expenditure
Net Incoming Resources before Transfers
Transfer between Funds
12
**Net Incoming Resources before other recognised**
**Gains and Losses**
Gain/(Loss) on sale of assets
Bad Debts Written Off
**Net Movement in Funds**
**Funds Brought forward at 31 March 2020**
**Total Funds Carried Forward 31 March 2021**
**Statement of Financial Activities**
**Balance Sheet**
**As at 31 March 2021**
**Fixed Assets**
**Notes**
Tangible Assets
9
**Current Assets**
Debtors
10
Cash at bank and in hand
Total Current Assets
**Creditors:Amounts falling due within one year**
11
**Net Current Assets/(Liabilities)**|**Unrestricted Restricted Total 2021**
**Funds**
**Funds**
**Funds**
-
242,949
242,949
120,563
-
120,563
-
-
-
-
120,563
242,949
363,512
89,936
146,160
236,096
-
-
-
-
-
89,936
146,160
236,096
30,627
96,789
127,416
**30,627**
**96,789**
**127,416**
-
**30,627**
**96,789**
**127,416**
**653,181**
**434,352**
**-**
**218,829**
**683,808**
**337,563**
**-**
**346,245**
**Unrestricted**
**Restricted**
**Total 2021**
**Funds**
**Funds**
**Funds**
180,821
180,821
13,586
13,586
166,278
166,278
360,685
-
360,685
**-**
14,440
14,440
-
**346,245**
**-**
**346,245**
**346,245**
**-**
**346,245**
0
-|**Unrestricted Restricted Total 2020**
**Funds**
**Funds**
**Funds**
-
72,599
72,599
170,006
-
170,006
13
-
13
-
170,019
72,599
242,618
55,508
182,247
237,755
-
-
-
-
-
55,508
182,247
237,755
114,511
109,648
-
4,863
**114,511**
**109,648**
**-**
**4,863**
-
**114,511**
**109,648**
**-**
**4,863**
**538,670**
**324,704**
**-**
**213,966**
**653,181**
**434,352**
**-**
**218,829**
**Unrestricted**
**Restricted**
**Total 2020**
**Funds**
**Funds**
**Funds**
187,190
187,190
8,013
8,013
38,065
38,065
233,268
-
233,268
**-**
14,439
14,439
-
**218,829**
**-**
**218,829**
**218,829**
**-**
**218,829**
0
-|**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
-
37,587
37,587
173,418
39
173,457
26
-
26
-
173,444
37,626
211,070
40,559
161,626
202,185
-
-
-
-
-
40,559
161,626
202,185
132,885
124,000
-
8,885
**132,885**
**124,000**
**-**
**8,885**
-
**132,885**
**124,000**
**-**
**8,885**
**405,785**
**200,704**
**-**
**205,081**
**538,670**
**324,704**
**-**
**213,966**
**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
187,190
187,190
8,012
8,012
16,947
16,947
212,149
-
212,149
**-**
14,439
14,439
-
**197,710**
**-**
**197,710**
**197,710**
**-**
**197,710**|
|---|---|---|---|
**Beverley Cherry Tree Centre**
## **Notes to the Financial Statements for the period ended 31 March 2021**
|**2.Donations, Grants and Legacies**
**Unrestricted**
**Restricted**
**Total 2021**
**Grants**
**Funds**
**Funds**
**Funds**
Advice Centre Grant
15,000
15,000
Beverley Town Council
6,000
6,000
EROYC-Emergency Food
10,000
10,000
EROYC-Food for Families
9,600
9,600
EROYC-Food for Families Brexit Grant
-
EROYC-Housing Project Grant
-
EROYC-Pensioner Group Grant
-
EROYC-RHL Grant
10,000
10,000
ERVAS
16,625
16,625
Food for Families Donations
8,498
8,498
Food for Families Neighbourly Starbucks
-
Garden Donation : Church Donations
-
Garden Donation : Lions
-
Garden Donation : Roses Funeral
-
Garfield Weston Centre Grant
15,000
15,000
Goodwin Fareshare
2,000
2,000
Groundwork UK-Centre Grant
1,000
1,000
Groundwork UK-Pre School
-
Help for Health
4,000
4,000
HEY Smile Grant
1,000
1,000
Hull College Apprenticeships
500
500
J & H Rausing CV19 Grant
21,500
21,500
Key Fund Investment
21,000
21,000
Lottery Grant
64,594
64,594
Mayors /Fund
-
National Lottery Grant
-
Neighbourly Action
400
400
North Bank Voluntary Action
1,765
1,765
Power to Change
14,868
14,868
Sir James Reckitt Charity
-
St Nicholas Mission
500
500
Two Ridings Community Foundation
16,100
16,100
Woodward
1,000
1,000
Youth Garden
1,999
1,999
**Total Grants**
**-**
**242,949**
**242,949**
**Donations**
General Donations
-
**Total Donations**
**-**
**-**
**-**
**Total Donations/Grants/Legacies**
**-**
**242,949**
**242,949**|**Unrestricted**
**Restricted**
**Total 2020**
**Funds**
**Funds**
**Funds**
15,000
15,000
5,000
5,000
13,811
13,811
2,860
2,860
199
199
1,000
1,000
160
160
150
150
314
314
3,900
3,900
1,430
1,430
2,941
2,941
19,383
19,383
-
6,451
6,451
**-**
**72,599**
**72,599**
-
**-**
**-**
**-**
**-**
**72,599**
**72,599**|**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
9,692
9,692
-
10,000
10,000
-
-
-
-
-
-
-
-
-
13,692
13,692
-
-
**-**
**33,384**
**23,692**
4,203
4,203
**-**
**4,203**
**4,203**
**-**
**37,587**
**27,895**|
|---|---|---|
|
**Grants**
Advice Centre Grant
Beverley Town Council
EROYC-Emergency Food
EROYC-Food for Families
EROYC-Food for Families Brexit Grant
EROYC-Housing Project Grant
EROYC-Pensioner Group Grant
EROYC-RHL Grant
ERVAS
Food for Families Donations
Food for Families Neighbourly Starbucks
Garden Donation : Church Donations
Garden Donation : Lions
Garden Donation : Roses Funeral
Garfield Weston Centre Grant
Goodwin Fareshare
Groundwork UK-Centre Grant
Groundwork UK-Pre School
Help for Health
HEY Smile Grant
Hull College Apprenticeships
J & H Rausing CV19 Grant
Key Fund Investment
Lottery Grant
Mayors /Fund
National Lottery Grant
Neighbourly Action
North Bank Voluntary Action
Power to Change
Sir James Reckitt Charity
St Nicholas Mission
Two Ridings Community Foundation
Woodward
Youth Garden
**Total Grants**
**Donations**
General Donations
**Total Donations**
**Total Donations/Grants/Legacies**|||
## **3.Income from Charitable Activities**
|**3.Income from Charitable Activities**|||
|---|---|---|
|**Unrestricted**
**Restricted**
**Total 2021**
**Grants**
**Funds**
**Funds**
**Funds**
Parent Fees
106,566
106,566
Room Hire
1,815
1,815
Other Activities
12,182
12,182
**120,563**
**-**
**120,563**
**4. Income from Other Trading Activities**
**Unrestricted**
**Restricted**
**Total 2021**
**Funds**
**Funds**
**Funds**
General Fundraising
-
Sale of T-shirts
-
Other Items Sold
-
Interest
-
**-**
**-**
**-**|**Unrestricted**
**Restricted**
**Total 2020**
**Funds**
**Funds**
**Funds**
143,917
143,917
13,179
13,179
12,910
12,910
**170,006**
**-**
**170,006**
**Unrestricted**
**Restricted**
**Total 2020**
**Funds**
**Funds**
**Funds**
-
-
-
13
13
**13**
**-**
**13**|**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
144,148
144,148
10,571
10,571
18,699
39
18,738
**173,418**
**39**
**173,457**
**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
-
-
-
26
26
**26**
**-**
**26**|
|
General Fundraising
Sale of T-shirts
Other Items Sold
Interest|||
|**5. Expenditure on Charitable Activities**
**Unrestricted**
**Restricted**
**Total 2021**
**Funds**
**Funds**
**Funds**
Staff Costs
186,867
_186,867_
Staff Costs-Furlough/CVJRS
40,707
-
_40,707_
_-_
Food for Families Purchases & Costs
37,080
_37,080_
Office costs
12,447
_12,447_
Replacement Windows
10,255
_10,255_
Premises Costs
2,474
_2,474_
Little Gruffalos Purchases
_6,501_
_6,501_
Depreciation
6,369
_6,369_
Flooring/Blinds
_2,176_
_2,176_
Miscellaneous
1,767
1,767
Insurance
1,725
_1,725_
Centre Garden Purchases
1,896
_1,896_
Computer/Laptop Purchases
1,632
_1,632_
CCTV System
_1,324_
_1,324_
Advertising
1,258
_1,258_
Repairs and Renewals
1,206
_1,206_
Website Set up costs
540
_540_
Youth Group Purchases
_526_
_526_
Pensioner Group Purchases
_275_
_275_
Training
_182_
_182_
Bank/Loan Interest/Charges
_175_
_175_
Kitchen upgrade
_128_
_128_
Travel
_-_
Beats Bus
_-_
Blinds
_-_
Advertising
_-_
Activity Costs
_-_
Fridge Freezer
_-_
General Refreshments
_-_
Professional and Legal Fees
_-_
**89,936**
**146,160**
**236,096**
**Unrestricted**
**Restricted**
**Total 2021**
**Funds**
**Funds**
**Funds**
**6. Expenditure on Raising Funds**
General Fundraising Costs
-
-
-
-
-
**Total**
**2021**
**7. Staff Costs**
Wages and Salaries
186,867
(inc Employers NI and Pensions)
Agency Staff
Keyholder Payment*|**Unrestricted**
**Restricted**
**Total 2020**
**Funds**
**Funds**
**Funds**
182,247
_182,247_
10,598
_10,598_
5,170
_5,170_
6,368
_6,368_
_-_
14,411
_14,411_
1,836
_1,836_
_3,429_
_3,429_
_-_
_-_
_14_
_14_
_182_
_182_
_8,061_
_8,061_
_1,635_
_1,635_
_1,400_
_1,400_
_732_
_732_
_655_
_655_
648
_648_
_369_
_369_
_-_
_-_
**55,508**
**182,247**
**237,755**
**Unrestricted**
**Restricted**
**Total 2020**
**Funds**
**Funds**
**Funds**
-
-
-
-
-
**Total**
**2020**
182,247|**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
1,967
160,715
162,682
8,034
8,034
8,102
8,102
6,367
6,367
10,026
10,026
2,500
2,500
_655_
_655_
_175_
_175_
_759_
_759_
_378_
_378_
911
911
986
986
610
_610_
**40,559**
**161,626**
**202,185**
**Unrestricted**
**Restricted**
**Total 2019**
**Funds**
**Funds**
**Funds**
-
-
-
-
-
**Total**
**2019**
162,282|
|---|---|---|
|
Staff Costs
Staff Costs-Furlough/CVJRS
Food for Families Purchases & Costs
Office costs
Replacement Windows
Premises Costs
Little Gruffalos Purchases
Depreciation
Flooring/Blinds
Miscellaneous
Insurance
Centre Garden Purchases
Computer/Laptop Purchases
CCTV System
Advertising
Repairs and Renewals
Website Set up costs
Youth Group Purchases
Pensioner Group Purchases
Training
Bank/Loan Interest/Charges
Kitchen upgrade
Travel
Beats Bus
Blinds
Advertising
Activity Costs
Fridge Freezer
General Refreshments
Professional and Legal Fees
**6. Expenditure on Raising Funds**
General Fundraising Costs
**7. Staff Costs**
Wages and Salaries
(inc Employers NI and Pensions)
Agency Staff
Keyholder Payment*|||
186,867 182,247 162,282
*Keyholder payment, is a payment made to a Trustee to lock and unlock the premises
## **9. Tangible Fixed Assets**
|**Cost**
At 31 March 2020
Additions
Disposals
At 31 March 2021
**Depreciation**
At 31 March 2020
Charge for the Year
On Disposals
At 31 March 2021
**Net Book Vlaue**
At 31 March 2021
At 31 March 2020
**10. Debtors**
Trade Debtors
Prepayments
**11. Creditors**
Trade Creditors
Taxes and Social Security
Accruals
Ni Control Account
Key Fund Loan|**Freehold**
**Office**
**Computer**
**Property**
**Equipment**
**Equipment**
**£**
**£**
**£**
286,367
11,292
8,824
286,367
11,292
8,824
99,838
10,631
8,824
5,727
642
105,565
11,273
8,824
180,802
19
-
186,529
661
-
**Total**
**Total**
**Total**
**2021**
**2020**
**2019**
13,586
8,012
17,700
13,586
8,012
17,700
**Total**
**Total**
**Total**
**2021**
**2020**
**2019**
14,440
14,439
14,326
14,440
14,439
14,326|**Freehold**
**Office**
**Computer**
**Property**
**Equipment**
**Equipment**
**£**
**£**
**£**
286,367
11,292
8,824
286,367
11,292
8,824
99,838
10,631
8,824
99,838
10,631
8,824
186,529
661
-
186,529
661
-
**Total**
**Total**
**Total**
**2021**
**2020**
**2019**
8,012
17,700
-
8,012
17,700
**Total**
**Total**
**Total**
**2020**
**2020**
**2019**
14,439
14,326
-
14,439
14,326|
|---|---|---|
## **Independent examiner’s Report to the trustees of Beverley Cherry Tree Community Centre (CTCA) for the year ended 31[st] March 2021**
I report to the trustees on my examination of the accounts of CTCA for the year ended 31[st] March 2021.
## **Responsibilities and basis of report**
As the charity trustees of the CTCA 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 CTCA’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.
## **Independent examiner’s Statement**
I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:
1. Accounting records were not kept in respect of the Trust as required by section 130 of the Charities Act; or
2. The accounts did not accord with these accounting records; or
3. The accounts did 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.
ANTHONY WHITLEY ACMA
7 Chestnut Avenue HESSLE HU13 0RH
05-01-2022