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2023-12-31-accounts

Charity registration number 1163741

Company registration number 09140549 (England and Wales)

JOEL COMMUNITY SERVICES

ANNUAL REPORT AND UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023

JOEL COMMUNITY SERVICES

LEGAL AND ADMINISTRATIVE INFORMATION

Trustees Reverend H Foxwood Mr C Clarke Mr P F Wolff Mr D Parish Ms G Burgess R Miller Reverend N Jones (Appointed 13 September 2023) Charity number 1163741 Company number 09140549 Registered office St Peter's Church London Road Kingston Upon Thames KT2 6QL Independent examiner F J Wilde FCCA MBA DChA Warner Wilde 4 Marigold Drive Bisley Surrey GU24 9SF Bankers CAF Bank Limited 25 Kings Hill Avenue Kings Hill West Malling Kent ME19 4TA

JOEL COMMUNITY SERVICES

CONTENTS

Page
Trustees' report 1 - 3
Independent examiner's report 4
Statement of financial activities 5
Balance sheet 6
Notes to the financial statements 7 - 17

JOEL COMMUNITY SERVICES

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) FOR THE YEAR ENDED 31 DECEMBER 2023

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

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the charity's governing document, the Companies Act 2006 and "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)".

Objectives and activities

During the year, the trustees reviewed these objects and received permission from the Charity Commission to amend them as below:

Activities

Public benefit

The board has taken due regard of the guidance on public benefit published by the charity commission in exercising its powers and duties. It is confident that the aims of the organisation and allocation of resources fully satisfy the public benefit requirements.

Achievements and performance

Significant activities and achievements against objectives

Throughout 2023 we continued to provide premises and accommodation in St Peter’s Church Hall for Kingston Churches Action on Homelessness (KCAH; a local charity for the homeless). This ensured that many needs of homeless people in the Kingston upon Thames area continued to be met by the professional services offered by KCAH.

In addition, in another section of the Church Hall known as The Joel Centre, we provided temporary accommodation for a family in need of assistance. In October 2023, this family moved out and in accordance with our vision we were able to provide accommodation to four refugees who would otherwise have struggled to find local housing. These refugees were part of the community that attend St Peter’s Church, and by having them next to the church we were able to provide pastoral and practical support through St Peter’s church staff, volunteers, and KCAH staff. As part of that, we provided regular funding and opportunities for these and other Iranian refugees to cook together and show hospitality to others in the local community.

To provide a home for refugees, who themselves have a heart for hospitality, has felt like a fulfilment of the Scripture we have been praying over the Joel Centre: “A father to the fatherless, a defender of widows, is God in his holy dwelling. God sets the lonely in families, he leads out the prisoners with singing” (Psalm 68: 5-6).

We also provided grant for the refurbishment of a community space in a parish room owned by St Peter’s Church. The work was carried out by refugees, and enabled outreach to the Cambridge Road Estate through the provision of a community café, food bank, and other services.

JOEL COMMUNITY SERVICES

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

Financial review

Reserves policy

Income was £117,716 as we continued to receive rent for the office space provided to KCAH which covers our new, lower, operating costs. Total income included a one-off donation of £45,413 from Joel Community Trust, which the board decided to invest in a diversified deposit fund to generate additional investment income of £1,353.

Costs were £80,673. This included utility payments of £10,932 as well as maintenance, repairs and equipment of £12,021, which have both increased significantly from previous year.. The mortgage rate continued to climb over the year, with loan interest and bank charges rising to £25,793 for the year, but loan repayments from the original redevelopment loan continued to be met.

Our revised policy is to hold sufficient funds to cover six months of operating costs. This ensures that, in the event of a financial crisis, we can continue to meet our financial obligations.

Total reserves are shown as £668,359. This largely comprises cash and investment to cover six months of operating costs, plus the net value of St Peter's Church Hall after repayment of loans.

Risk Review

The board assesses and reviews key risks periodically. During 2024 we will reassess our risks but the key risks are as follows:

Funding

We have a dependency on income from our main tenant (KCAH). On the other hand, we are also exposed to the rising mortgage rate on our loan.

Damage to reputation

We are associated with KCAH as the principal user of St Peter's Church Hall. We meet with them from time to time to discuss matters of mutual interest.

Risk of fire, flood or other environmental risks

We maintain appropriate levels of insurance and have reviewed the full requirements with our insurers.

Structure, governance and management

Joel Community Services was incorporated as a charitable company limited by guarantee on 21 July 2014 and is governed by its Articles of Association. It is registered with the Charity Commission in England and Wales with its registered office at St Peter's Church, London Road, Kingston Surrey.

The trustees, who are also the directors for the purpose of company law, and who served during the year and up to the date of signature of the financial statements were:

Reverend H Foxwood Mr C Clarke Mr P F Wolff Mr D Parish Ms G Burgess R Miller Reverend N Jones

(Appointed 13 September 2023)

JOEL COMMUNITY SERVICES

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

Recruitment and appointment of trustees

Governance

Our Board of Directors is responsible for overseeing the strategy and performance of Joel Community Services. The Board meets regularly throughout the year to consider, set and review strategies, policies, budgets, plans and performance.

The Board has not delegated any powers to formal committees, although specific task groups are formed as necessary with specific responsibilities.

Recruitment

Prospective directors are nominated by at least one current member of the Board in line with our Articles and with knowledge of the ways in which their experience might serve the interests of Joel Community Services. They are then interviewed by a panel of current directors to ensure that their motivations, skills and interests are consistent with the aims of the charity and, if so, to confirm the appointment.

Trustees new to the Board meet with the Chairman and other directors as appropriate and are provided with information and training to enable them to fully understand the mission and values of Joel Community Services.

All of the trustees are members of the company and guarantee to contribute £1 in the event of a winding up.

Management

The board manages the needs of the organisation directly, with some support from St Peter's Church staff.

The trustees' report was approved by the Board of Trustees.

.............................. Reverend H Foxwood Trustee Date: .............................................15th July 2024

Type text here

JOEL COMMUNITY SERVICES INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF JOEL COMMUNrrY SERVICES l report lo the trugtees on my eXaMinatif￿ of the ffina￿al state￿￿ts of Joel Communty servi￿ {the tharityl for the year ended 31 December 2023. R•¥Pon￿bIlItl•5 and bash of r•port As the trustees of the charity land also its diTecti>rB for the purrthes of Lxjmpany lawl you are responsSblo for tho preparatlon of the finandal stateM￿ts In accordance wth the wulrnmonts of the Compani88 Act 2006 (tha 2006 H8￿ng satlsfied myself that the financlal ststements of the tharity are nol required to be audited under Port 16 of the 2006 Act arKI are 81iglble for independent examination. I report In respect of my examination of the cl)arfty's financ181 stst8m&nts card8d under sèctky) 145 of ths Ch81ib¥s Aci 2011 (thè 2011 Ad}. In Ca￿ng out my examination I have followed all the applicable Threct￿ns gNen by the Charrty Commigslon undèr sadon 14515Xb) of the 2011 Act. Ind•p•nd•nt •xamln•V• st•t•m•nt I have complgled my examination. I confirm that no matters hav8 como to my 8ttenllon In connectlon wlth the examination giving me cause to that in any matorial rt8pacL" accounting re(￿rdS wore not kept in r8sp8ct of the charity a5 requ￿ed by 88(on 388 of thè 2006 Act,. or tho Ilnandal statements do not arKord wlh those rgruds: or the finan¢lal 8tatgm8nts do not comply with the aoxwnung reqUI￿￿nts of 8•dI￿ 396 of th8 2006 Act othor than any requlrement that th8 accounts gfve a true arKI fair vl8w whkh18 not a mattèr consldered a8 part of an independent oxamination.. or the fin8n¢i81 statements have noi boon Wep•￿1 In •Ctsda￿8 with the methods and prlnclples 01 tho Statèment of Raeommendfjd Pr8¢ti¢o for accounting and raporting by chBritses applicable to charitiès preparfng Ihelr accounts In accordance with the FinaTh?al Reporting Standard appllcable In th8 UK and Ropubllc of Ireland IFRS 1021. I havè no (y)ncèm8 and have come acrrAs no olher mattern in c¢￿nectiOn with the exarThnation to whlth attonlion Should b8 drawn In th18 r•pNt In ord•r to enable a proper Un￿r$18nd1rQ of th8 fln8r¢lal $tsterr￿ts lo be reoched. F J Mld• FCCA MBA DChA Wamerwlldo 4 Marfgold Drlvo Bisloy Surrey GU24 9SF

JOEL COMMUNITY SERVICES

STATEMENT OF FINANCIAL ACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED 31 DECEMBER 2023

Unrestricted
Restricted
funds
funds
2023
2023
Notes
£
£
Income from:
Donations and legacies
3
60,159
-
Charitable activities
4
56,204
-
Investments
5
1,353
-
Total income
117,716
-
Charitable activities
6
78,823
1,850
Net income/(expenditure) and
movement in funds
38,893
(1,850)
Reconciliation of funds:
Fund balances at 1 January
2023
545,083
86,233
Fund balances at 31
December 2023
583,976
84,383
Total
Unrestricted
Restricted
funds
funds
2023
2022
2022
£
£
£
60,159
21,406
-
56,204
35,157
-
1,353
18
-
117,716
56,581
-
80,673
51,889
1,850
37,043
4,692
(1,850)
631,316
540,391
88,083
668,359
545,083
86,233
Total
2022
£
21,406
35,157
18
56,581
53,739
2,842
628,474
631,316

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

JOEL COMMUNITY SERVICES

BALANCE SHEET

AS AT 31 DECEMBER 2023

Notes
Fixed assets
Tangible assets
11
Investments
12
Current assets
Debtors
13
Cash at bank and in hand
Creditors: amounts falling due within
one year
15
Net current assets
Total assets less current liabilities
Creditors: amounts falling due after
more than one year
16
Net assets
The funds of the charity
Restricted income funds
17
Unrestricted funds
2023
£
£
835,614
45,413
881,027
4,427
17,944
22,371
12,267
10,104
891,131
(222,772)
668,359
84,383
583,976
668,359
2022
£
£
849,121
-
849,121
1,201
24,645
25,846
11,950
13,896
863,017
(231,701)
631,316
86,233
545,083
631,316

The company is entitled to the exemption from the audit requirement contained in section 477 of the Companies Act 2006, for the year ended 31 December 2023.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476.

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

The financial statements were approved by the trustees on .........................4th July 2024.

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

Reverend H Foxwood

Trustee

Company registration number 09140549 (England and Wales)

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023

1 Accounting policies

Charity information

Joel Community Services is a private company limited by guarantee incorporated in England and Wales. The registered office is St Peter's Church, London Road, Kingston Upon Thames, KT2 6QL.

1.1 Accounting convention

The financial statements have been prepared in accordance with the charity's governing document, the Companies Act 2006 and "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 charity is a Public Benefit Entity as defined by FRS 102.

The charity has taken advantage of the provisions in the SORP for charities applying FRS 102 Update Bulletin 1 not to prepare a Statement of Cash Flows.

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

The accounts have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2 Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.3 Charitable funds

Unrestricted funds are available for use at the discretion of the trustees in furtherance of their charitable objectives.

Restricted funds are subject to specific conditions by donors as to how they may be used. The purposes and uses of the restricted funds are set out in the notes to the accounts.

Endowment funds are subject to specific conditions by donors that the capital must be maintained by the charity.

1.4 Income

Income is recognised when the charity is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Other donations are recognised once the charity has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Legacies are recognised on receipt or otherwise if the charity has been notified of an impending distribution, the amount is known, and receipt is expected. If the amount is not known, the legacy is treated as a contingent asset.

Grants are recognised once the charity has been notified of the grant unless performance conditions require deferral of the amount.

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

1 Accounting policies

(Continued)

1.5 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably.

1.6 Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Freehold land and buildings 2% straight line Fixtures and equipment 25% straight line

Assets in the course of construction are not depreciated.

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is recognised in the statement of financial activities.

1.7 Fixed asset investments

Fixed asset investments are initially measured at transaction price excluding transaction costs, and are subsequently measured at fair value at each reporting date. Changes in fair value are recognised in net income/(expenditure) for the year. Transaction costs are expensed as incurred.

1.8 Impairment of fixed assets

At each reporting end date, the charity reviews the carrying amounts of its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any).

1.9 Cash and cash equivalents

Cash and cash equivalents include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

1.10 Financial instruments

The charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the charity's balance sheet when the charity becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets are initially recognised at transaction value and subsequently measured at their settlement value.

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

1 Accounting policies

(Continued)

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price and subsequently measured at their settlement value.

Derecognition of financial liabilities

Financial liabilities are derecognised when the charity’s contractual obligations expire or are discharged or cancelled.

1.11 Employee benefits

The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

Termination benefits are recognised immediately as an expense when the charity is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

1.12 Redundancy costs

Redundancy costs are recognised when the Charity is committed to terminate employment.

2 Critical accounting estimates and judgements

In the application of the charity’s accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

3 Donations and legacies

Unrestricted Unrestricted
funds funds
2023 2022
£ £
Donations and gifts 60,159 21,406

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

4 Charitable activities

Insurance claim
Charitable rental income
Other income
2023
£
1,260
48,442
6,502
56,204
2022
£
-
28,615
6,542
35,157

5 Income from investments

Unrestricted Unrestricted
funds funds
2023 2022
£ £
Interest receivable 1,353 18

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

6 Expenditure on charitable activities

Charitable Charitable
activities activities
2023 2022
£ £
Direct costs
Depreciation and impairment 13,507 13,507
Utilities 10,932 4,007
Admin and staff costs 5,276 723
Miscellaneous costs 5,048 4,121
Insurance 2,408 3,421
Maintenance, repairs and equipment 12,021 3,236
49,192 29,015
Grant funding of activities (see note 7) 3,357 6,600
Share of support and governance costs (see note 8)
Support 26,168 16,318
Governance 1,956 1,806
80,673 53,739
Analysis by fund
Unrestricted funds 78,823 51,889
Restricted funds 1,850 1,850
80,673 53,739

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

7 Grants Paid

Grants to institutions:
Kingston Churches Action on Homelessness
St Peter's Norbiton
Grants to individuals (1 grants)
2023
£
-
3,000
357
3,357
2022
£
6,600
-
-
6,600

8 Support costs allocated to activities

Telephone and internet
Loan interest and charges
Governance costs
Analysed between:
Charitable activities
2023
£
375
25,793
1,956
28,124
28,124
2022
£
229
16,089
1,806
18,124
18,124

Governance costs includes payments to the independent examiner of £1,356 (2022: £1,314) for accounts preparation and independent examination.

9 Trustees

None of the trustees (or any persons connected with them) received any remuneration or benefits from the charity during the year.

10 Taxation

The charity is exempt from taxation on its activities because all its income is applied for charitable purposes.

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

11 Tangible fixed assets
Freehold land Fixtures and
Total
and buildings equipment
£ £ £
Cost
At 1 January 2023 935,364 3,439 938,803
At 31 December 2023 935,364 3,439 938,803
Depreciation and impairment
At 1 January 2023 86,243 3,439 89,682
Depreciation charged in the year 13,507 - 13,507
At 31 December 2023 99,750 3,439 103,189
Carrying amount
At 31 December 2023 835,614 - 835,614
At 31 December 2022 849,121 - 849,121
12 Fixed asset investments
Listed
investments
£
Cost or valuation
At 1 January 2023 -
Additions 45,413
At 31 December 2023 45,413
Carrying amount
At 31 December 2023 45,413
At 31 December 2022 -
13 Debtors
2023 2022
Amounts falling due within one year: £ £
Other debtors 4,427 1,201

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

14 Loans and overdrafts

Bank loans
Payable within one year
Payable after one year
Amounts included above which fall due after five years:
Payable by instalments
2023
£
232,100
9,328
222,772
173,713
2022
£
241,146
9,445
231,701
187,974

The long-term loans are secured by fixed charges over the property known as St Peter's Church Hall, London Road, Kingston-upon-Thames.

The charity borrowed £300,000 from CAF Bank over a repayment period of 20 years at an interest rate of 5.25% above the Bank of England base rate. During the year, repayments averaged £2,693 pcm (2022: £2,253). The loan agreement contains a break clause at 5 years whereby the loan can be repaid.

15 Creditors: amounts falling due within one year

15
Creditors: amounts falling due within one year
Notes
Bank loans
14
Accruals and deferred income
16
Creditors: amounts falling due after more than one year
Notes
Bank loans
14
2023
£
9,328
2,939
12,267
2023
£
222,772
2022
£
9,445
2,505
11,950
2022
£
231,701

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

17 Restricted funds

The restricted funds of the charity comprise the unexpended balances of donations and grants held on trust subject to specific conditions by donors as to how they may be used.

At 1
Joel Community Trust
Phase 2 Redevelopment
Bed spaces
Previous year:
At 1
Joel Community Trust
Phase 2 Redevelopment
Bed spaces
Joel Community Trust: Building fund
January
2023
Resources
expended
At 31
December
2023
£
£
£
55,000
(1,250)
53,750
27,301
(600)
26,701
3,932
-
3,932
86,233
(1,850)
84,383
January
2022
Resources
expended
At 31
December
2022
£
£
£
56,250
(1,250)
55,000
27,901
(600)
27,301
3,932
-
3,932
88,083
(1,850)
86,233

Phase 2 redevelopment: Building fund

18 Unrestricted funds

The unrestricted funds of the charity comprise the unexpended balances of donations and grants which are not subject to specific conditions by donors and grantors as to how they may be used. These include designated funds which have been set aside out of unrestricted funds by the trustees for specific purposes.

At 1 January Incoming Resources At 31
2023 resources expended December
2023
£ £ £ £
General funds 545,083 117,716 (78,823) 583,976

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

18 Unrestricted funds (Continued)
Previous year: At 1 January Incoming Resources At 31
2022 resources expended December
2022
£ £ £ £
General funds 540,391 56,581 (51,889) 545,083
19 Analysis of net assets between funds
Unrestricted Restricted Total
funds funds
2023 2023 2023
£ £ £
Fund balances at 31 December 2023 are represented by:
Tangible assets 755,163 80,451 835,614
Investments 45,413 - 45,413
Current assets/(liabilities) 6,172 3,932 10,104
Long term liabilities (222,772) - (222,772)
583,976 84,383 668,359
Unrestricted Restricted Total
funds funds
2022 2022 2022
£ £ £
Fund balances at 31 December 2022 are represented by:
Tangible assets 766,820 82,301 849,121
Current assets/(liabilities) 9,964 3,932 13,896
Long term liabilities (231,701) - (231,701)
545,083 86,233 631,316

20 Related party transactions

Transactions with related parties

During the year the charity entered into the following transactions with related parties:

Joel Community Trust 2023
£
45,413
45,413
2022
£
9,500
9,500

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2023

20 Related party transactions

(Continued)

In 2023, Joel Community Trust (JCT), an associated charity, donated funds of £45,413 to Joel Community Services.

In 2022, JCT donated funds of £9,500 to Joel Community Services.