BRIDGE COMMUNITY CENTRE LIMITED
(Registered Charity - a Company Limited by Guarantee)
REPORT AND FINANCIAL STATEMENTS for the YEAR 1st JULY 2021 to 30 th JUNE 2022
| Charity Number: | 1165008 | ||
|---|---|---|---|
| Company Number: | 8893213 | ||
| CONTENTS | PAGE | ||
| Legal and Administrative Information | 1 | ||
| Report of the Management Committee | 2- 3 | ||
| Statement of Financial Activities | 4 | ||
| Balance Sheet | 4 | ||
| Notes Forming Part of the Financial Statements | 5 - 6 | ||
| Independent Examiner's Report | 7 |
BRIDGE COMMUNITY CENTRE LIMITED
(Registered Charity - a Company Limited by Guarantee)
The Trustees / Directors present their report and financial statements for the YEAR 1st JULY 2021 to 30th JUNE 2022
Reference and Administrative Information
Charity Name: Charity Registration Number: 1165008 Company Registration Number: 8893213 Registered Office: 2 Daneville Road Clubmoor Liverpool L4 9RG
BRIDGE COMMUNITY CENTRE LIMITED
(Registered Charity - a Company Limited by Guarantee) 1165008
DIRECTORS/ TRUSTEES: Mrs Susan Carson
Mrs Susan Carson Trustee & Chair Ms Josephine Calder Trustee Ms Lilian Baxter Trustee Mrs Karen Lee Trustee Mr Charles Otim Company Secretary BANKERS: Lloyds TSB Bank Plc Accountants: Knowsley Business Services Ltd Unit 112 North Mersey Business Centre Woodward Road Liverpool Merseyside L33 7UY Independent Examiner: Rawson Irekponor (MSc, MBA, MAAT, FCCA) Solicitors: Kelley Heargreaves
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(Registered Charity - a Company Limited by Guarantee) REPORT OF THE TRUSTEES /DIRECTORS for the YEAR 1st JULY 2021 to 30 th JUNE 2022
BANK LloydsTSB
BRIDGE COMMUNITY CENTRE LIMITED
Our Aims and objectives
Our Charity purposes as set out in the objects contained in the company’s Memorandum of Association are to generate support for the following objects:
We are pleased to report that we succesfully purchased a building for a Community Centre for the use of the residents of Merseyside without distinction of a Political, Religious, Sexual, Ethnic and other opinions, and specifically for the benefits of families, single parents, the elderly, the sick and the mentally ill, the carers, the unemployed, the refugees and asylum seekers, the victims of natural or manmade disasters, and for the promotion of reconciliation, mediation and respect of law and order and the prevention of crime.
Ensuring our work delivers our aims:
We regularly review our aims, objectives and activities each year. This review looks at what we achieved and the outcomes of our work in the previous years. The review looks at the success of each key activity and the benefits they have brought to those people we are set up to help.
The review also helps us ensure our aim, objectives and activities remain focused on our stated purposes. We refer to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing our aim and objectives and in planning our future activities. In particular, the Trustees / Directors consider how planned activities contribute to the aims and objectives they have set. The focus of our work: Our main objectives for the year 2021-22 as in all previous years continue to be that of raising of financial support for the running and efficient operation of the Bridge Community Centre in order to: Provide a meeting venue for the local community as well as give advice to persons needing housing and or employment. Organising activities for persons with various disabilities. We also Enable Job Centre Plus (JCP), Housing Associations, the NHS and other agencies to provide advice and assistance to complete various Government and agency application forms as needed. How our activities deliver public benefit: Our main activities and who we try to help are described below. All our charitable programme activities focus on the poor the vulnerable and the unemployed people of Merseyside and surrounding areas. Who used and benefited from our services: 100 residents who reported achieving financial stability due to advice/signposting, housing/benefits advice, cost saving sessions 125 residents who reported improved skills aiding employment prospects via training/mentoring 100 older people who achieved improved health through gentle physical activities 130 vulnerable people who reported increased wellbeing via counseling 100 isolated/excluded residents who increased social connections 75 service users with disability who have achieved increased skills/abilities via creative activities. Food support & benefit advice, housing issues have been amazed at the services we provide and report that their overall needs have been met. Training Programme: During 2021-22 we continued to train local people to become volunteers each suited to their own individual specific roles and they have also been trained in appreciative conversations to enable more interaction with the community around them. Community Engagement: vulnerable and those who are isolated or infirm, we thrive to continue in providing activities, support, advice and friendship to all. Our reports evaluation are that over 80 residents highlighted 99% who rated our support ‘Truly Excellent’ 1% who rated it ‘Good’ with following comments: ‘Bridge supported my mental health ringing businesses/appointments on my behalf where I couldn’t’, ‘The advice I was given for my benefits and housing issues was brilliant’, ‘weekly calls support my mental health, they have been so lovely’
We continue to strive to help & support with our core values in providing further activities which will include sessions that are person centred & devised with an aim to improve physical/mental health/wellbeing & also includes music & drama Workshops and a range of low impact exercise classes through our ‘Health in Mind’ project, complementary therapies, mindfulness sessions, passion for pottery, as well as new allotment project to support those struggling with anxiety / depression as well as mental health, chair & garden air yoga. Worrier to Warrior workshop pottery sessions, as well as specific support services such as counselling through our Award winning ‘Support and Talk’ listening services, ‘Mums Chums’ sessions for lone parents to connect with others and advisory sessions on benefits, jobs / Volunteers’ roles etc. We provide weekly skills courses such as: job skills, IT skills, basic Maths and English courses as well as animal therapy courses & beginners horticultural sessions. We also provide social interaction activities which include Chapter & Converse, (a look at our lives) our newly tried & tested session to reduce isolation amongst our most vulnerable. As well as a Stay and Play mornings. We provide for all ages/abilities, with tailored sessions for individuals with disabilities e.g. Walking Football Team, Disability Disco. At all other times, we operate as an open-door drop-in for anybody to use, which includes spaces provided to the community to meet up in, such as our Community Café and coffee & chat mornings.
We have devised and delivered recently further developed projects following recommendations from ongoing consultation from service users, volunteers, and the wider community. This includes Complementary therapy sessions- inviting local communities to access reflexology, Indian head massages etc. Pilot sessions have supported children and adults with autism as well as SEN children have also been very popular with our local community & families needing that extra support, we have also delivered sessions around Mindfulness, being supportive to those who struggle with mental health related issues and included Mindfulness meditation which involves sitting silently and paying attention to thoughts, sounds, the sensations of breathing or parts of the body, bringing your attention back whenever the mind starts to wander. These sessions incorporate yoga and tai-chi to help with developing awareness of breathing. Again, taster sessions that we have run have attracted people from all walks of life and are Principal Funding Sources:
volunteers costs. We wish to thank all the donors, institutions and individuals for their kind and generous support, over the year thus enabling Bridge Community Centre to be established and become operational.
Investment Policy:
During the year 2020 -21 most of the charity’s funds were spent in the short term so there are no funds for long term investment.
Reserves Policy:
The Trustees / Directors have examined the charity’s requirements for reserves in light of the main risks to the organisation and has established a policy whereby the unrestricted funds not committed by the charity should be 12 months of anticipated charitable activity expenditure.
BRIDGE COMMUNITY CENTRE LTD Charity__ Commission Return June 2022 Signed
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The reserves would be needed to meet the charitable programme, rent, rates volunteer expenses and heating of the community centre in order for activities to continue to take place in the building.
The long term strategy is to start to build reserves through planned operating surpluses, the Trustees /Directors are well aware that it is unlikely that the target range can be reached for at least five years. In the short term the Trustees / Directors have also considered the extent to which existing activities and expenditure could be managed, should such circumstances arise.
Plans for Future Periods:
The charity plans to continue the charitable programme activities outlined above in the forthcoming years subject to satisfactory funding arrangements.
We continue to work on a number of schemes including the expansion of resident counselling, mental health and educational programme. The charity will also continue to work with other individuals or institutions who have a vision for helping the disadvantaged people in Merseyside.
Structure, Governance and Management:
Governing Document:
The organisation is a Registered Charity and a registered company limited by guarantee, incorporated on 13 February 2014 and registered as a charity on 4 the January 2016. The Charity / Company was established under a Memorandum of Association which established the objects and powers of the charitable company and is governed under its Articles of Association. In the event of the company being wound up members are required to contribute an amount not exceeding £10.
Recruitment and Appointment of Trustees / Directors:
The Trustees of the Charity are also the Directors of the company for the purposes of charity law and under the company’s Articles are known as members of the Board of Trustees of the Charity / Company. Under the requirements of the Memorandum and Articles of Association the members of the Board are elected to serve for a period of three years after which they must be re-elected at the next Annual General Meeting.
All Trustees / Directors give their time voluntarily and receive no financial or benefits in kind from the charity. Any expenses reclaimed from the charity are set out in notes to the accounts.
Trustee Induction and Training:
The Trustees are familiar with the practical work of the charity having been encouraged to attend meetings and are invited and encouraged to attend a series of short training sessions to refresh their knowledge of the charity and the context within which it operates. These are jointly led by the Chair of the Board of Trustees / Directors and the Office Administrator.
Risk Management:
The Trustees / Directors conduct a review of the major risks to which the charity is exposed. A risk register has been set up and will be updated at least annually. Where appropriate, systems or procedures is being established to mitigate the risks the charity faces.
Significant external risks to funding have led to the development of a strategic plan which will allow for the diversification of funding and activities. Internal control risks are minimised by the implementation of procedures for authorisation of all transactions and projects. Procedures are in place to ensure compliance with health and safety of the children, volunteers, clients and visitors to the projects.
These procedures continue to be developed and reviewed to ensure that they continue to meet the needs of the charity.
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Organisational Structure:
Bridge Community Centre Limited (a Charity) has a Board of Trustees/Directors made up of 6 members who meet regularly and are responsible for the strategic direction and policy of the charity. The Board of trustees periodically co-opt additional members from a variety of professional backgrounds relevant to the work of the charity and are responsible for the strategic direction and policy of the charity. At present the Board has an additional co-opted members from a variety of professional backgrounds relevant to the work of the charity.
A volunteer Office Administrator also sits on the Board of Trustees / Directors meeting but has no voting rights.
A scheme of delegation is in place and day to day responsibility for the provision of the services rest with the Trustees along with the Treasurer and Office Administrator.
The Trustees are responsible for ensuring that the charity delivers the services specified and that key performance indicators are met, and has responsibility for the day to day operational management.
Related Parties:
In so far as it is complimentary to the charity’s objects, the charity is guided by both local and national policy.
Responsibilities of the Trustees / Directors:
The Charities Act and Company law requires the Trustees / Directors to prepare financial statements for each financial year
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select suitable accounting policies and then apply them consistently;
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make judgements and estimates that are reasonable and prudent; and
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prepare the financial statements on the going concern basis unless it is not appropriate to assume that the charity /company will continue on that basis.
The Trustees / Directors are responsible for maintaining proper accounting records which disclose with reasonable accuracy at any time the financial position of the charitable company and to enable them to ensure that the financial statements comply with the Charities Act and Companies Act. The Trustees / Directors are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.
Members of the Board of Trustees / Directors:
Members of the Board of Trustees are Directors for the purpose of company law and trustees for the purpose of charity law, who served during the year and up to the date of this report are set out on page 1.
In accordance with the Charities Act and company law, as the charity/company’s trustees /directors, we certify that:
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so far as we are aware, there is no relevant audit information of which the independent examiner is unaware; and
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as the Trustees and Directors of the Charity / Company we have taken all the steps that we ought to have taken in order to make ourselves aware of any relevant Independent Examiner information and to establish that the charity’s auditors are aware of that information.
Independent Examiner:
The current honorary Independent Examiner is Rawson Irekponor (MSc,MBA,MAAT,FCCA).
This report has been prepared in accordance with the Statement of Recommended Practice: Accounting and Reporting by Charities (issued 2011) and in accordance with the special provisions of the Companies Act relating to small entities.
Approved by the Trustees / Directors on 30th October 2022 and signed on its behalf by:
Mrs Susan Carson (Trustee / Director)
BRIDGE COMMUNITY CENTRE LTD Charity__ Commission Return June 2022 Signed
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BRIDGE COMMUNITY CENTRE LIMITED
(Registered Charity - a Company Limited by Guarantee) STATEMENT OF FINANCIAL ACTIVITIES (Including Income & Expenditure) for the YEAR 1st JULY 2021 to 30 th JUNE 2022
| Note INCOMING RESOURCES: Incoming Resources from donations: Donations and Grants RESOURCES EXPENDED: Charitable Activities (Programmes and Projects): GROSS SURPLUS Governance Costs (Administrative Expenses) Net Income for the YEAR 11 Other Gains NET MOVEMENT IN FUNDS: RECONCILIATION OF FUNDS: DESIGNATED FUNDS BROUGHT FWD 9 NET SURPLUS CARRIED FWD RETAINED SURPLUS FOR THE PERIOD CARRIED FWD BRIDGE COMMUNITY CENTRE LIMITED (Registered Charity - a Company Limited by Guarantee) BALANCE SHEET As At 30 th June 2021 FIXED ASSETS Tangible assets CURRENT ASSETS Stocks Debtors Bank Balance CREDITORS Amounts falling due within one year Long term Loan NET CURRENT ASSETS TOTAL ASSETS LESS CURRENT LIABILITIES UNRESTRICTED FUNDS: Designated Funds General Funds Restricted Funds |
||||
|---|---|---|---|---|
| Unrestricted Funds 30 June 2022 |
Restricted Funds 30 June 2022 |
Total Funds 30 June 2022 |
Unrestricted Funds 30 June 2021 |
|
| 95,447 167,564 263,011 170,436 47,719 167,564 215,283 36,388 |
||||
| 47,728 0 31,968 0 15,760 0 0 0 15,760 0 0 15,760 0 |
47,728 134,048 31,968 28,561 15,760 105,487 0 0 15,760 105,487 0 0 15,760 105,487 |
|||
| 15,760 0 |
15,760 105,487 |
|||
| NOTES 2 4 0 5 9 |
||||
| 30 June 2022 | 30 June 2021 | |||
| 167,564 0 0 0 0 0 270,994 255,533 |
||||
| 270,994 255,533 0 0 0 0 |
||||
| 270,994 255,533 |
||||
| 438,558 255,533 |
||||
| 167,564 0 270,994 255,533 0 0 |
||||
| 438,558 255,533 |
The Trustees / Directors acknowledge their responsibility under the Charities Act 2011 for Accounting Records:
The charity trustees of a charity must ensure that accounting records are kept in respect of the charity which are sufficient to show and explain all the charity's transactions, and which are such as to—
- a) disclose at any time, with reasonable accuracy, the financial position of the charity at that time, and
enable the trustees to ensure that, where any statements of accounts are prepared by them under section 132(1), those statements of accounts comply with the requirements of b) regulations under section 132(1).
ON BEHALF OF TRUSTEES / DIRECTORS
Susan Carson - Trustee / Director
Approved by the Board on 30th September 2022
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The Notes form part of these financial statements
BRIDGE COMMUNITY CENTRE LIMITED (Registered Charity - a Company Limited by Guarantee) NOTES TO THE FINANCIAL STATEMENTS
for the YEAR 1st JULY 2021 to 30 th JUNE 2022
1 ACCOUNTING POLICIES:
The principal accounting policies are summarised below. The accounting policies have been applied consistently throughout the year and the preceding year.
- (a) Basis of Accounting:
These financial statements have been prepared under the historic cost convention and in accordance with the Financial Reporting Standard for Smaller Entities, and the Statement of Recommended Practice: Accounting and Reporting by Charities 2011.
(b) Fund accounting:
Unrestricted funds are available for use at the discretion of the Trustees / Directors in the furtherance of the charitable objectives of the Charity.
Designated funds are unrestricted funds earmarked by the Trustees / Directors for particular purposes
Restricted funds are subjected to restrictions on their expenditure imposed by the donor or through they terms of an appeal.
( c) Incoming Resources:
All Incoming Resources are included in the Statement of Financial Activities when the Charity is entitled to , and virtually certain to receive, the income and the amount can be quantified with reasonable accuracy. The following policies are applied to particular categories of income:
Voluntary Income is received by way of grants, donations and gifts and is included in full in the Statement of Financial Activities when receivable. Grants where entitlement is not conditional on the delivery of a specific performance by the Charity, are recognised when the Charity becomes unconditionally entitled to the grant.
Donated services and facilities have not been included at the value to the Charity as this could not be quantified. The value of services provided by volunteers has also not been included in these accounts.
Gift Aid is reported when received:
No Gift Aid was receivable during 2020/2021 - Gift Aid will be accounted for in the books when a claim is made to HMRC.
(d) Resources Expended:
- Expenditure is recognised on an accrual basis as a liability is incurred. Expenditure includes VAT which was not recovered, and is reported as part of the expenditure to which it relates:
Charitable expenditure comprises those costs incurred by the Charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.
Governance costs includes those costs associated with meeting the constitutional and statutory requirements of the Charity and include the audit fees and costs linked to the strategic management of the Charity.
All costs are allocated between expenditure of the SoFA on a basis designated to reflect the use of the resource. Costs relating to a particular activity are allocated directly.
2 TANGIBLE FIXED ASSETS:
Bridge Community Centre Limited did not carry forward any Tangible Fixed Assets during the year ended 30 th June 2022
| TANGIBLE FIXED ASSETS COST At 1st July 2021 Additions BALANCE At 30 th June 2022 DEPRECIATION At 1st July 2021 Charge for period At 30 th June 2022 NET BOOK VALUE At 30 th June 2022 Stocks & Work In Progress: There were no Stock nor Work in Progress at 30 th June 2022 |
BUILDING £ 0 167,564 |
|---|---|
| 167,564 0 0 |
|
| 0 167,564 |
|
Cost includes all direct expenditure and an appropriate proportion of fixed and Variable overheads
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3 Taxation
Tax Charge on the Ordinary Activities and Deferred Tax is Not Applicable,
| 4 DEBTORS : AMOUNTS FALLING DUE WITHIN ONE YEAR Debtors and Amounts Receivable - Not Applicable 5 CREDITORS : AMOUNTS FALLING DUE WITHIN ONE YEAR Taxation and Social Security Trade Creditors Expenses paid by Directors / Trustees Personally Accountancy Creditor 6 Analysis of Net assets Between Funds: Tangible Fixed assets Investments Current assets (Bank balance) Current Liabilities Net Assets at 30 June 2022 7 Movement of Funds: Restricted Funds: Building Feeding Programme Rent Rates & Utilities Teacher training School Building Programme Total Restricted Funds Unrestricted Gunds Equipment Feeding Programme School Fees Teacher training School Building Programme General Funds Total Unrestricted Funds Total Funds 8 DESIGNATED FUNDS: Provision for University Scholarship 9 TOTAL FUNDS: Unrestricted Funds & Restricted Funds Retained Reserves 30/06/2021 Operational SURPLUS for the period Corporation Tax Year End Adjustment At 30 th June 2022 |
£ 0 |
||||
|---|---|---|---|---|---|
| £ 0 0 0 0 |
|||||
| General Funds | Designated Funds |
Restricted Funds |
Total Funds | ||
| 0 167,564 0 0 0 0 270,994 0 0 0 0 0 |
167,564 0 270,994 0 |
||||
| 270,994 167,564 0 |
438,558 | ||||
| At 01/07/2021 | Incoming Resources (inc. gains) |
Outgoing Resources |
Transfers | At 30 June 2022 |
|
| 0 0 0 0 0 |
167,564 167,564 0 0 0 0 0 0 0 0 0 0 0 0 0 |
0 0 0 0 0 |
|||
| 0 | 167,564 167,564 0 |
0 | |||
| 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 255,533 95,447 79,986 0 |
0 0 0 0 0 270,994 |
||||
| 255,533 95,447 79,986 0 |
270,994 | ||||
| 255,533 263,011 247,550 0 |
270,994 | ||||
| 0 | |||||
| £ | |||||
| 0 0 |
|||||
| Total Funds 30 June 2021 |
|||||
| £ 255,533 15,760 0 0 |
|||||
| 271,293 |
10 RELATED PARTY DISCLOSURES
The Charity was controlled by the Board of Trustees / Directors during the period under review.
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BRIDGE COMMUNITY CENTRE LIMITED STATEMENT OF FINANCIAL ACTIVITIES (Including Income & Expenditure) for the YEAR 1st JULY 2021 to 30 th JUNE 2022
(Registered Charity - a Company Limited by Guarantee)
| INCOMING RESOURCES FROM ACTIVITIES TO FURTHER THE CHARITY'S Income : GENERAL DONATION from the public and Institutions Total Donation TOTAL RESOURCES EXPENDED: PAYMENTS FOR PROGRAMME & PROJECTS: CHARITABLE ACTIVITIES Expenses PROGRAMME: PROGRAMME: Building & Facilities: PROJECT: PROJECT: PROJECT: Total Programme & Projects Gross Surplus / (Deficit) Less : Administration Expenditure Employee costs ( Wages and NIC) Premises expenses Rent and Rates Utilities (Water, Light & Heating) Waste Disposal General Administrative Expenses Stationery & Supplies Telephone & Postage Subscription & Donation Insurances Repairs & Replacement(Building & Equipment) Miscellaneous Admin Expenses Advertising Promotion & Entertainment Professional & Accountancy fees Loan Interest Bank Interest & Charges Other Expenses Companies House Training Depreciation Total Administration Total Payments Net Surplus for the Year (Alpha Cars, City of Liverpool, Community Foundation, DWP Resource Management, Janice Rai Main Grant, Myerscough College, W Wilson, Workers Education, Rathbones, PSS UK Ltd, Sole |
OBJECTS: ney, Liv Cha VO Gra Survivor, Misc) |
Basis of allocation |
Unrestricted | Designated | 30 June 2022 | 30 June 2021 |
|---|---|---|---|---|---|---|
| nt, Michel Hickey, | 95,447 167564 |
£ £ 263,011 170,436 |
||||
| 95,447 167,564 263,011 - |
||||||
| Basis of allocation |
Programme | Governance | Governance | 30 June 2022 | 30 June 2021 | |
| Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct Direct |
0 0 0 0 0 0 |
47719 167564 |
47,719 31,699 0 0 0 0 167,564 0 0 0 0 0 0 0 |
|||
| 0 | 47,719 167,564 215,283 31,699 |
|||||
| 47,728 0 47,728 138,737 0 0 0 0 0 9186 9,186 15,637 4148 4,148 9,165 0 0 226 0 0 520 520 147 1212 1,212 730 0 0 50 894 894 408 6900 6,900 4,180 9298 9,298 550 0 0 0 0 0 0 1,930 0 0 0 110 110 227 0 0 0 0 0 0 0 0 0 0 0 0 |
||||||
| 0 | 32,268 0 32,268 33,250 |
|||||
| 0 | 79,987 167,564 247,551 64,949 |
|||||
| 15,460 105,487 |
INDEPENDENT EXAMINER REPORT TO THE TRUSTEES / DIRECTORS & MEMBERS ON THE STATEMENT OF FINANCIAL ACTIVITIES AND BALANCE SHEET OF BRIDGE COMMUNITY CENTRE LIMITED (Registered Charity - a Company Limited by Guarantee)
Report of the Independent Examiner to the Trustees and Members of the BRIDGE COMMUNITY CENTRE
The Trustees are responsible for the preparation of the Accounts, they consider that the audit requirements of the Charities Act 1993 (the Act) do not apply. It is my responsibility to state, on the basis of procedure specified in the General Direction given by the Charity Commissioners under Section 43(7)(b) of the Act, whether particular matters have come to my attention.
My examination was carried out in accordance with the General Directions given by the Charities Commissioners. An examination includes a review of accounting records kept by the church and a comparison of the accounts presented with those records. It also includes consideration of any comparison of the accounts presented with those records. It also includes consideration of any concerning any such matters.
The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently I do not express an audit opinion on the view given by the accounts.
In connection with my examination, no matter has come to my attention:
(1) which gives me reasonable cause to believe that in any material respect the requirements to keep accounting records in accordance with Section 41 of the Act, and to prepare accounts which accord with the accounting records and to comply with the accounting requirements of the Act, have not been met. or
(2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
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Signed :
INDEPENDENT EXAMINER Rawson Irekponor (MSc, MBA, MAAT, FCCA) Unit 112, North Mersey Business Woodward Road, Kirkby Liverpool, Merseyside, L33 7UY
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