## Anchor Project
Charity number 1169265
## Annual Report and Financial Statements
for the year ended 31 December 2025
## Anchor Project
Annual Report and Financial Statements for the year ended 31 December 2025
|**Contents**|**Page**|
|---|---|
|Trustees' report|2 to 4|
|Examiner's report|5|
|Receipts and payments account|6|
|Statement of assets and liabilities|7|
|Notes to the accounts|8 to 10|
## **Prepared by West Yorkshire Community Accountancy Service CIO**
1
## Anchor Project
## Trustees' report for the year ended 31 December 2025
## **Reference and administrative details of the charity, its trustees and advisors**
The trustees during the financial year and up to and including the date the report was approved were: **Name Position Dates**
**Position Dates** John Joyce Chair Resigned 4 April 2025 Catherine Knamiller Acting Chair Rev Rosy Fairhurst Resigned 30 April 2026 Timothy Cole Ruaa Jirjees Luke Dennison Sarah Martin Appointed 26 February 2025 Vivienne Dwyer Appointed 10 December 2025
**Charity number** 1169265 **Registered and principal address Bankers** St Clement's Church The Co-operative Bank Plc Barkerend Road PO Box 250 Bradford Skelmersdale BD3 9DF WN8 6WT
Registered in England and Wales
## **Independent examiner**
Rhys North ACA **West Yorkshire Community Accountancy Service CIO** Stringer House 34 Lupton Street Leeds LS10 2QW
## **Structure, governance and management**
The charity is a Charitable Incorporated Organisation (CIO) formed on 19 September 2016 and is governed by a foundation constitution.
## **Method of recruitment and appointment of trustees**
The trustees of the charity are appointed by a resolution passed at a properly convened meeting of the charity trustees. The Parochial Church Council of St Clement's Church can nominate up to three trustees.
2
## Anchor Project
## Trustees' report (continued) for the year ended 31 December 2025
## **Objectives and activities**
## **The charity's objects**
The objects of the CIO are:
To develop the capacity and skills of the members of the socially and economically disadvantaged community of Bradford (the BD3 postcode area and neighbouring districts) in such a way that they are better able to identify, and help meet, their needs and to participate more fully in society.
To promote equality and diversity for the public benefit by promoting activities to foster understanding between people from diverse backgrounds in Bradford (the BD3 postcode area and neighbouring districts).
To promote social inclusion for the public benefit by preventing people from becoming socially excluded, relieving the needs of those people who are socially excluded and assisting them to integrate into society in Bradford (the BD3 postcode area and neighbouring districts). For the purpose of this clause 'socially excluded' means being excluded from society, or part of society, as a result of being a member of a socially and economically deprived community.
## **The charity's main activities**
The Anchor Project operates in a number of areas of work: support for older people, support and integration for people seeking asylum and refugees, wellbeing and English conversation.
This work is supported by the employment of a Co-ordinator and the renting of office space from St Clements’s Church. The great majority of the Anchor Project’s costs are met by grants, some being given for specific purposes.
## **Public benefit statement**
In setting our objectives and planning our activities our trustees have given serious consideration to the Charity Commission’s general guidance on public benefit and in particular the advancement of education and the prevention or relief of poverty.
## **Achievements and performance**
Many of our successes are experienced by individuals as they are supported to face and resolve their various day-to-day challenges. Other significant achievements include:
- l **Hope in Flight** - this is a wonderful installation of 300+ colourful paper birds now suspended in St Clement’s church. The birds were made by people attending our elders lunch club, asylum seekers dropin and English Classes as well as other ‘Friends of Anchor Project’ and members of the church. Each bird contains a personal response to questions about our community. 153 people contributed to its making with an age range of 5 - 91 years and from 27 different countries. We were funded by Bradford 2025 Creative Communities and worked in partnership with Cecil Green Arts and Bradford Friendship Choir to make this possible.
- l **Climate Action Plan** : In 2025 we developed a partnership with the University of York, enabling local people’s voices to have an impact on Bradford Council’s Climate Action Plan. We directly helped recruit three community researchers and gathered together a diverse group of 16 local residents to take part. A series of workshops were delivered and local manifestos drawn up and presented by the workshop attendees to a range of policy makers and council members including those directly involved in Bradford’s Climate Action Plan.
- l **City Sparks** - The Anchor Project was approached by the National Science and Media Museum to work in partnership with Impact Gamers to co-design an environment game for BD3. We gathered together a diverse group of people (ages and cultures) to share their knowledge of the area and generate ideas at two workshops. The final game was used during Bradford Science Festival where everyone who contributed was able to see the game in action.
- l The Anchor Project renewed a previous partnership with Communityworks to restart our community environment work and are now looking forward to the development of this in 2026.
3
## Anchor Project
## Trustees' report (continued) for the year ended 31 December 2025
## **Achievements and performance continued**
- l Improved food provision for people attending our drop-in including fresh fruit and vegetables and culturally appropriate dried goods.
## **Regular activities**
- l Monday 11am to 1.15pm Elders Lunch and Activities club. Weekly activity for elderly residents. Participants have refreshments, an activity relating to their interests or needs, (e.g. talks, seated exercises), followed by a freshly cooked hot meal.
- l Tuesday 10am to 12 noon: BD3 CARE – Drop-in for asylum seekers and refugees. People can collect essential items (food, clothes, toiletries) and access one-to-one support as required. All are invited to stay to join a craft activity or stay for refreshments and friendship.
- l Wednesday 10.30 – 11.30 – Yoga session for women. Followed by time for a chat and refreshments.
- l Thursday 10.15 – 11.45am: Everyday English Class. English class for men and women providing conversation between local English speakers (volunteers) and learners,
- l Friday 10.15 – 11.45: English My Way Class. An informal, fun class for women only. People with very basic English come to learn and practice English skills and to gain confidence in communicating with English speakers.
Other activities included:
- l Health and wellbeing workshops including Re-thinking Pain, a trauma informed Community Resiliency Model and healthy screen time.
- l Wellbeing trips – our different partnerships enabled us to organise trips to the countryside, museums and music concerts for people who would usually find it difficult to access these spaces.
## **Financial review**
The net payments for the year were £32,844, including net receipts of £14,002 on unrestricted funds and net payments of £46,846 on restricted funds.
## **Reserves policy**
The charity's free reserves, at the year end were £68,532.
The Anchor Project will maintain reserves sufficient to pay all liabilities including redundancy pay should its operation cease together with additional funds equivalent to a minimum of 3 months, and a maximum of 6 months, of total budgeted expenditure. Based on budgeted redundancy costs and 2026 budgeted expenditure this equates to a reserves target of between £40,400 and £64,800.
Approved by the board of trustees on 17/6/2026
Catherine Knamiller (Trustee)
4
## Anchor Project
## Independent examiner's report to the trustees of Anchor Project
I report to the charity trustees on my examination of the accounts of the CIO for the year ended 31 December 2025, which are set out on pages 6 to 10.
## **Responsibilities and basis of report**
As the charity trustees of the CIO 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 CIO's accounts as carried out under section 145 of the 2011 Act. 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 charity as required by section 130 of the Charities Act; 2 the accounts do not accord with those records.
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.
Rhys North ACA
20/7/2026
## **West Yorkshire Community Accountancy Service CIO**
Stringer House 34 Lupton Street Leeds LS10 2QW
5
## Anchor Project
## Receipts and payments account for the year ended 31 December 2025
|Notes
2025
Unrestricted
funds
£
**Receipts**
Grants and donations
(2)
9,808
Lunch club subs
2,053
Contract income
12,005
Fundraising
-
Bank interest
1,105
Other Income
1,935
**Total receipts**
26,906
**Payments**
Salaries NI and pensions
1,796
Payroll charges
125
Office and church rent
-
Training and volunteers expenses
1,210
Office expenses
1,546
Insurance
520
Independent examination
-
Project expenses
4,953
Consultancy and freelancer fees
-
Sundry expenses
263
Hardship fund
-
Equipment
2,491
**Total payments**
12,904
**Net receipts / (payments)**
14,002
**Fund balances brought forward**
54,530
**Fund balances carried forward**
(3)
68,532|2025
Restricted
funds
£
52,750
-
-
-
-
-
52,750
64,155
402
6,900
219
2,462
300
858
20,261
-
-
92
3,947
99,596
(46,846)
93,781
46,935|2025
Total
funds
£
62,558
2,053
12,005
-
1,105
1,935
79,656
65,951
527
6,900
1,429
4,008
820
858
25,214
-
263
92
6,438
112,500
(32,844)
148,311
115,467|2024
Total
funds
£
177,231
2,501
-
5,391
-
764
185,887
58,713
487
6,900
1,073
3,557
1,279
858
14,848
3,669
557
165
983
93,089
92,798
55,513
148,311|
|---|---|---|---|
6
## Anchor Project
|Statement of assets and liabilities
as at 31 December 2025
2025
2025
Unrestricted
Restricted
£
£
**Cash funds**
Cash at bank
68,240
46,935
Cash in hand
292
-
**Total cash funds**
68,532
46,935
**Debtors and prepayments**
Debtors
Prepayments
**Assets retained for the charity's own use**
Laptop x 3
Projector
Electric bike
**Liabilities**
Accruals
The financial statements were approved by the board of trustees on 17/6/2026|2025
Total
£
115,175
292
115,467
2025
£
128
3,259
3,387
2025
£
720
720|2024
Total
£
147,775
536
148,311|
|---|---|---|
Catherine Knamiller (Trustee)
7
## Anchor Project
## Notes to the accounts
## for the year ended 31 December 2025
## **1 Accounting policies**
## **Basis of accounting**
The trustees have taken advantage of section 133 of the Charities Act 2011 and have prepared the accounts on a receipts and payments basis.
There has been no change to the accounting policies since last year.
No changes have been made to the accounts for previous years.
## **Taxation**
As a charity the organisation benefits from rates relief and is generally exempt from income tax and capital gains tax but not from VAT. Irrecoverable VAT is included in the cost of those items to which it relates.
## **Fund accounting**
Unrestricted funds are available for use at the discretion of the trustees in furtherance of the general objectives of the charity.
Restricted funds are subjected to restrictions on their expenditure imposed by the donor or through the terms of an appeal.
Further explanation of the nature and purpose of each fund is included in the notes to the accounts.
8
## Anchor Project
## Notes to the accounts continued
## for the year ended 31 December 2025
|**2 Grants and donations**
Bradford Anglican Council for Social Aid (BACSA)
Bradford District Metropolitan Council (BDMC)
The Science and Media Museum
The Brelms Trust CIO
The Henry Smith Charity
The Wharfedale Foundation
Asda Foundation
Bradford District Community Foundation
Central 5 Community Partnership
Hilden Charitable Trust
Postcode Lottery
West Yorkshire Integrated Care Board
Other donations
**3 Restricted funds**
Balance b/f
£
The Henry Smith Charity
5,649
WY Integrated Care Board
43,753
Hardship Fund
96
The Brelms Trust CIO
3,500
BACSA
-
Hilden Charitable Trust
3,600
The Science and Media Museum
-
Central 5 Community P.ship
799
BD25 Creative Communities
6,872
BMDC Active Travel
4,512
Postcode Lottery
20,000
The Wharfedale Foundation
5,000
BMDC - HSF
-
93,781|2025
Unrestricted
funds
£
-
-
-
-
-
-
-
-
-
-
-
-
9,808
9,808
Incoming
£
35,000
-
70
6,000
3,000
-
180
-
-
-
-
5,000
3,500
52,750|2025
Restricted
funds
£
3,000
3,500
180
6,000
35,000
5,000
-
-
-
-
70
52,750
Outgoing
£
13,149
34,957
92
6,000
1,755
3,600
308
444
6,872
4,512
20,000
5,000
2,907
99,596|2025
Total
funds
£
3,000
3,500
180
6,000
35,000
5,000
-
-
-
-
-
-
9,878
62,558
Transfers
£
-
-
-
-
-
-
-
-
-
-
-
-
-
-|2024
Total
funds
£
3,000
4,512
-
6,000
35,000
5,000
400
6,872
2,550
4,500
20,000
72,500
16,897
177,231
Balance c/f
£
27,500
8,796
74
3,500
1,245
-
(128)
355
-
-
-
5,000
593
46,935|
|---|---|---|---|---|
For fund description see next page
9
## Anchor Project
## Notes to the accounts continued for the year ended 31 December 2025
## **3 Restricted funds continued**
## **Fund name**
The Henry Smith Charity
## **Purpose of restriction**
Support for the running costs of the charity to enable support for people from disadvantaged communities in Bradford.
WY Integrated Care Board To help reduce health inequalities for people seeking asylum and refugees. Hardship Fund Fund supported by donations. The Brelms Trust CIO Part funding for the salary of a Support and Integration worker and associated running costs. BACSA Provision of a women's English class.. Hilden Charitable Trust Towards salaries, venue hire, management and admin costs for a drop-in service for refugees and asylum seekers.
Science and Media Museum To fund trip costs to the Science and Media Museum. The deficit balance is due to the for a second trip not being received until after the year end. Central 5 Community P.ship To train someone with lived experience of vulnerability, isolation and the asylum process to share their story and to enhance older people's work. BD25 Creative Communities Joining in Bradford 2025, creating an artistic response to past stories, present feelings and future hopes for our local community. BMDC Active Travel For the purchase of an e-bike for use by staff members to help promote active travel. Postcode Lottery To support marginalised groups and tackling inequality. The Wharfedale Foundation To contribute towards the salary costs of the Project Coordinator. BMDC - HSF To contribute towards costs of food distribution.
## **4 Related party transactions**
## **Trustee expenses**
No trustee received any expenses during this year or the previous year.
## **Trustee remuneration and benefits**
No trustee received any remuneration or benefit during this or the previous year.
## **Other transactions with trustees or related parties**
|**Other transactions with trustees or related parties**
2025
£
6,900
6,900
**5 Funds held as agent**
Balance b/f
Incoming
Outgoing
£
£
£
Active Hope Bradford
-
500
500
-
500
500
**Fund name**
**Additional information**
Active Hope Bradford
The Parochial
Church Council of
Bradford Saint
Clement
Has nomination
rights for up to
three trustees
Rent for use of office and
church
**Name of trustee**
**or related party**
**Relationship to**
**charity**
**Description of transaction**
Funds to run an activity day at Undercliffe Cemetery.|2024
£
6,900
6,900
Balance c/f
£
-
-|
|---|---|
10