## **CONNECT FOR LIFE**
## **FINANCIAL STATEMENTS**
## **FOR**
## **30 SEPTEMBER 2025**
## **FINANSURE LIMITED**
2 Sheppard Street, Brymbo, Wrexham, LL11 5FF
## **CONNECT FOR LIFE**
## **FINANCIAL STATEMENTS**
## **YEAR ENDED 30 SEPTEMBER 2025**
|**CONTENTS**|**PAGES**|
|---|---|
|Legal and administrative information|**1**|
|Report of the trustees|**2 - 4**|
|Independent examiner’s report|**5**|
|Receipts and payments accounts|**6**|
|Statement of assets and liabilities|**7**|
**Page 1**
## **CONNECT FOR LIFE**
## **LEGAL AND ADMINISTRATIVE INFORMATION**
|**Charity number**|1171169|
|---|---|
|**Governing instrument**|CIO - foundation registered 18thJanuary 2017|
|**Trustees**|Frances A Arnall (Chair)|
||Alison J Humphreys|
||Chelsea Davies|
||Jennifer R Jones|
||Julia Thomas|
||Samantha Teare (Resigned 3rdOctober 2025)|
|**Principal address**|77 Oakhurst Road|
||Oswestry|
||Shropshire|
||SY11 1BL|
|**Independent examiner**|Mr L M Howson MAAT|
||Finansure Ltd|
||2 Sheppard Street|
||Brymbo|
||Wrexham|
||LL11 5FF|
**Page 2**
## **CONNECT FOR LIFE**
## **REPORT OF THE TRUSTEES**
## **YEAR ENDED 30 SEPTEMBER 2025**
## **Structure, governance and management**
Connect For Life is a Charitable Incorporated Organisation (CIO) foundation registered on 18[th] January 2017 with the Charity Commission for England and Wales.
New trustees are appointed by the current trustees in accordance with the governing instrument.
## **Objectives and activities**
The objects of the charity are:
- a. The relief of those in need, by reason of youth, age, ill-health, disability, financial hardship or other disadvantage.
- b. Consistent with and not contrary to object a. :
- i. To improve the health and wellbeing of socially isolated people in Oswestry and surrounding areas, particularly older people and people with memory difficulties and dementia, who would benefit from social interaction in a safe, stimulating environment.
- ii. To offer a safe, stimulating environment where older people can make connections with others to improve their wellbeing.
- iii. To offer support and respite, particularly to carers of people living with life limiting conditions, including the provision of a safe, supportive environment where the person they care for may be looked after for part of a day.
- iv. To directly offer specialist information and support to people affected by memory difficulties and dementia and work with other agencies to offer more general information and support.
## **Public benefit**
The charity trustees have complied with the duty in section 4 of the 2006 Charities Act to have due regard to the guidance on public benefit published by the Charity Commission in exercising their powers and duties.
## **Financial review**
Total income for the year was £17,515 (2024 - £32,642). All of the charity’s income is sourced from donations by attendees, donors and organisations.
Total expenditure was £29,856 (2024 - £28,328), of which 60% (2024 - 66%) were direct costs of providing the activities.
At the end of the year the charity held unrestricted reserves of £18,647.
As a reserves policy, the charity would like to have enough unrestricted funds to cover three months’ running costs at any given time, which would equate to approximately £6,000.
**Page 3**
## **CONNECT FOR LIFE**
## **REPORT OF THE TRUSTEES**
## **YEAR ENDED 30 SEPTEMBER 2025**
## **Highlights of Activities**
Our service users continue to pay a modest contribution to the running of CFL which contributes towards rent, refreshments and meals. Donations and any grant monies enable us to subsidise sessions with regard to materials for session activities, specialist craft & music sessions & small seasonal/ birthday gifts for the service users. 2024/25 has been a very encouraging year with more local support from our community, many gifts in memory of loved ones and people fundraising for us which has enabled us to introduce even more specialist facilitators giving our service users opportunities to try new skills such as clay work, willow weaving and ribbon art.
We continue to have an excellent team of volunteers who work with enthusiasm and commitment and are pleased that during 2024/25 monies received have enabled us to offer our volunteers training in facilitation of groups, first aid & safeguarding.
CFL continues to have strong links in our local community and in 2024/25 we have enjoyed building on these relationships and forging some new connections.
## **Transactions with Trustees**
No trustees received or waived remuneration, benefits or expenses of any kind during the year.
**Page 4**
## **CONNECT FOR LIFE**
## **REPORT OF THE TRUSTEES**
## **YEAR ENDED 30 SEPTEMBER 2025**
## **Trustees’ responsibilities**
Charity law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of its financial activities for that year. In preparing those financial statements the trustees are required to:
- a) select suitable accounting policies and apply them consistently;
- b) make judgments and estimates that are reasonable and prudent;
- c) state whether applicable accounting standards and statements of recommended practice have been followed, subject to any departures disclosed and explained in the financial statements;
- d) prepare the financial statements on the going concern basis unless it is inappropriate to assume that the charity will continue in operation.
The trustees are responsible for keeping accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud or other irregularities.
This report was approved by the trustees on ………………………………………… and is signed **8th October 2025** on their behalf by:
……………………………………… Alison J Humphreys - Trustee
**Page 5**
## **CONNECT FOR LIFE**
## **INDEPENDENT EXAMINER’S REPORT**
## **YEAR ENDED 30 SEPTEMBER 2025**
I report on the receipt and payments accounts of the charity for the year ended 30 September 2025, which are set out on pages 6 & 7.
## **Respective responsibilities of trustees and examiner**
The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider that an audit is not required for this year under section 144 of the Charities Act 2011 (the Charities Act) and that an independent examination is needed.
It is my responsibility to:
- examine the accounts under section 145 of the Charities Act;
- to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the Charities Act; and
- to state whether particular matters have come to my attention.
## **Basis of independent examiner’s report**
My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statement below.
## **Independent examiner’s statement**
In connection with my examination, no matter has come to my attention which gives me cause to believe that in any material respect:
- the accounting records were not kept in accordance with section 130 of the Charities Act; or
- the accounts did not accord with the accounting records; or
- 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 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.
………………………………………….. - L M Howson MAAT Finansure Ltd, 2 Sheppard Street, Brymbo, Wrexham, LL11 5FF
**15th December 2025**
………………………………………….
**Page 6**
## **CONNECT FOR LIFE**
## **RECEIPTS AND PAYMENTS ACCOUNTS**
## **YEAR ENDED 30 SEPTEMBER 2025**
|**RECEIPTS**
Grants
Donations & Gift Aid
Fundraising income
Attendee contributions
TOTAL RECEIPTS
**PAYMENTS**
Room hire
Catering & refreshments
Resources
Activities
Equipment costs
Insurance
Publicity & website
Administration
Training
Travel & meeting expenses
Professional fees
Office expenses
Subscriptions
Uniform clothing
Bank charges
Other costs
TOTAL PAYMENTS
**NET OF RECEIPTS/(PAYMENTS)**
Cash funds last y/e
Cash funds this y/e|Unrestricted
funds
Restricted
funds
**Total**
**funds**
Total
funds
2025
2025
**2025**
2024
£
£
**£**
£
-
-
-
11,831
4,905
-
**4,905**
7,519
-
-
-
812
12,610
-
**12,610**
12,480|
|---|---|
||17,515
-
**17,515**
32,642|
||5,604
-
**5,604**
5,625
6,568
-
**6,568**
4,772
-
1,841
**1,841**
2,020
67
4,159
**4,226**
2,453
-
-
-
3,764
374
-
**374**
358
527
-
**527**
12
6,769
-
**6,769**
5,973
2,567
-
**2,567**
812
52
-
**52**
51
400
-
**400**
300
339
-
**339**
901
252
-
**252**
245
-
-
-
354
65
-
**65**
80
272
-
**272**
608|
||23,856
6,000
**29,856**
28,328|
||(6,341)
(6,000)
**(12,341)**
4,314
24,988
6,000
**30,988**
26,674|
||18,647
-
**18,647**
30,988|
**Page 7**
## **CONNECT FOR LIFE**
## **STATEMENT OF ASSETS AND LIABILITIES**
## **30 SEPTEMBER 2025**
||**2025**|2024|
|---|---|---|
||**£**|£|
|**CASH FUNDS**|||
|Cash at bank (unrestricted)|**18,611**|24,930|
|Cash at bank (restricted)|-|6,000|
|Cash in hand (unrestricted)|**36**|58|
||────|────|
|**TOTAL CASH FUNDS**|**18,647**|30,988|
||────|────|
||**Current value**||
||**£**||
|**ASSETS RETAINED FOR THE CHARITY’S OWN USE**|||
|Chairs|**1,000**||
|Tent|**500**||
|Shed|**200**||
|Computer equipment|**300**||
|Mobile phone|**50**||
|Projector|**50**||
||────||
||**2,100**||
||────||
These receipts and payments accounts were approved by the trustees on ……………………………….... **8th October 2025** and are signed on their behalf by:
……………………………………… Alison J Humphreys - Trustee