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2022-03-31-accounts

COMPANY REGISTRATION NUMBER: 10407948 CHARITY REGISTRATION NUMBER: 1171742

NW7 Hub

Company Limited by Guarantee Unaudited Financial Statements

31 March 2022

LEAMAN MATTEI

Chartered accountants Suite 1, First Floor 1 Duchess Street London W1W 6AN

NW7 Hub

Company Limited by Guarantee

Financial Statements

Year ended 31 March 2022

Page
Trustees' annual report (incorporating the director's report) 1
Independent examiner's report to the trustees 6
Statement of financial activities (including income and
expenditure account) 7
Statement of financial position 8
Notes to the financial statements 10
The following pages do not form part of the financial statements
Detailed statement of financial activities 20
Notes to the detailed statement of financial activities 21

NW7 Hub

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report)

Year ended 31 March 2022

The trustees, who are also the directors for the purposes of company law, present their report and the unaudited financial statements of the charity for the year ended 31 March 2022.

Chair's report

The financial statements have been prepared in accordance with the accounting policies set out on pages 10 to 12 and the special provisions of Part 15 of the Companies Act 2006 relating to small entities. These statements also comply with current statutory requirements, the Memorandum and Articles of Association and Accounting and Reporting by Charities: Statement of Recommended Practice (Charities SORP (FRS 102)).

Reference and administrative details

Registered charity name NW7 Hub Charity registration number 1171742 Company registration number 10407948 Principal office and registered Mill Hill Library office Hartley Avenue London NW7 2HX England The trustees P Edwards A Mathur A Morley N Heather (Retired 3 September 2021) V Doig (Appointed 23 August 2021) Independent examiner Sonia Yeshin, BFP FCA

The trustees

Structure, governance and management

NW7 Hub is a private company limited by guarantee, incorporated on 3 October 2016 and is a registered charity, number 1171742. Registration was obtained on 3 October 2016. The NW7 Hub's trustees, who are also directors for the purposes of Company Law, have control of NW7 Hub and its property and funds.

The trustees meet at regular intervals during each year to give consideration to the status of NW7 Hub's funding, reserves and risks.

The trustees are appointed by invitation on to the Board by existing trustees. On appointment, an induction is given by an existing trustee explaining the procedures as well as an overview of the administrative procedures employed by NW7 Hub. In addition all new trustees are given a copy of the code of conduct for a trustee, explaining in detail their role and responsibilities.

- 1 -

NW7 Hub

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 31 March 2022

Objectives and activities

The NW7 Hub is a charity based in Mill Hill, North London and was created by a group of committed local residents with the ultimate vision to build a new and vibrant community facility on the site of the Civil Defence Building in Daws Lane, Mill Hill, NW7 which once built will provide a host of activities, special events and services for all ages.

The charity's objects are, for the public benefit, to provide or assist in the provision of facilities in the interests of social welfare for recreation or other leisure time occupation of individuals who have need of such facilities by reason of their youth, age, infirmity or disability, financial hardship or social circumstances with the object of improving their conditions of life.

As part of this journey in 2017 we began operating from Mill Hill Library building, winning a 10 year contract to operate the Mill Hill Library from 1 April 2017 on behalf of Barnet Council and also delivering a range of activities and services in the HUB to enhance and to develop the local area and sense of a community.

With a team of wonderful volunteers we have begun to develop both the Library and HUB programme, including sessions for improving health and wellbeing, social activities for adults and seniors, musical and creative opportunities and baby and toddler classes. As we continue to grow as a charity we welcome support for this community focused project.

Following the award of the contract to operate Mill Hill Partnership Library, we have been establishing ourselves in the library and building firm foundations for growth and diversity in subsequent years. It has involved developing relationships with our customers, building trust and support from the community, ensuring our volunteers have the appropriate skills and resources to do their job well, evolving our partnership with London Borough of Barnet (LBB) and creating networks upon which to build. In parallel we have also been setting up the HUB community activities which will work closely with the library and complement and add to the breadth of programming activities and engagement.

Public benefit statement

We are conscious that the Charities Act 2011 emphasises the requirement that all charities of every kind must be able to demonstrate that their work is of direct benefit to the public. We believe that the activities we fund through all income streams including grants, cover a wide range of issues, which we categorise under:

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NW7 Hub

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 31 March 2022

Achievements and performance

As required of us in the Partnership Agreement we have reported monthly statistics to Barnet Council Library Services team in accordance with the schedule. Operational reviews have been conducted by the Council and matters discussed and actioned as appropriate. Communication with Council representatives in Library Services have been efficient and effective.

We have reported back to the Barnet Food Hub and kept detailed records of demand for foodbank use and needs of the clients as well as signposted support for them.

Programming

As we continue to support our community through the pandemic and the cost of living crisis we have seen a return to in person activities. Our Baby Rhyme time has returned and we have supported a community garden program that has developed food growth and sustainability for our food and goods bank. We have worked activity with Barnet Councils Town Centre tea and were delighted to deliver a series of events in Mill Hill Broadway town square this year. Most notably the Jubilee celebrations with over 4000 attendees in partnership with Mill Hill East Church, Barnet Hong Kong community and Mill Hill Residents Association. In addition to this, we re-introduced Mill Hill Chill in a hybrid format in person and online every Friday evening. The foyer and reception area of the Library and library office were renovated this year to offer a warm welcoming environment and improve the working space of our staff and volunteers. We were also able to install a playground at the side of the building for the use of children with complex educational needs and their families.

We have run activities for our youth board through the year including quarterly youth markets in the Broadway which have been extremely successful.

Financial review

Total incoming resources amounted to £122,222 (2021: £84,767). This income includes restricted grants, restricted and unrestricted donations and rental income. The total expenditure for the year amounted to £45,086 (2021: £37,458) leaving a net surplus for the year of £77,136 (2021: 47,309). NW7 Hub had £3,836 (2021: £8,490) of restricted funds at 31 March 2022. Detail is contained in the accounts herein.

Reserves policy and going concern

In view of the nature of the Trust’s activities, the trustees have no policy on reserves. Rather, they seek to ensure that liabilities can be paid as they fall due without accumulating unnecessarily high cash balances.

The trustees have reviewed the current and future cashflow requirements of the charity and concluded that the charity has the ability to meet its debts as they fall due. On this basis the trustees consider that the going concern assumption is an appropriate basis on which to prepare the financial statements.

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NW7 Hub

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 31 March 2022

Plans for future periods

In addition to continuing operating Mill Hill Partnership Library and extending the Following the award of the contract to operate Mill Hill Partnership Library, we have been establishing ourselves in the library and building firm foundations for growth and diversity in subsequent years. It has involved developing relationships with our customers, building trust and support from the community, ensuring our volunteers have the appropriate skills and resources to do their job well, evolving our partnership with London Borough of Barnet (LBB) and creating networks upon which to build. In In parallel we have also been setting up the HUB community activities which will work closely with the library and complement and add to the complementary HUB activities, the trustees will focus on the development of the new community centre in Daws Lane. This will involve finalising the design, preparing for the planning application, fundraising and additional community engagement on the project. The trustee and staff will also continue to develop the team of volunteers, further improve policies and operating procedures and ensure the financial sustainability of the charity.

We continue to work in partnership with Barnet Council to build a new community centre and library in Daws Lane.

Fundraising statement

Section 162a of the Charities Act 2011 requires charities to make a statement regarding fundraising activities. Although we do not currently undertake widespread fundraising from the general public, the legislation defines fund raising as “soliciting or otherwise procuring money or other property for charitable purposes.” Such amounts receivable are presented in our accounts as “voluntary income” and include legacies and grants.

In relation to the above we confirm that all solicitations are managed internally, without involvement of commercial participators or professional fund-raisers, or third parties. The board has day to day management of all income generation.

The charity is not bound by any undertaking to be bound by any regulatory scheme and the charity does not consider it necessary to comply with any voluntary code of practice.

We have received no complaints in relation to fundraising activities.

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NW7 Hub

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 31 March 2022

Trustees' responsibilities

The trustees are responsible for preparing the annual report and the financial statements of NW7 Hub in accordance with the Companies Act 2006 and for being satisfied that the financial statements give a true and fair view. The trustees are also responsible for preparing the financial statements in accordance with United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the trustees (who are Directors of NW7 Hub) to prepare financial statements for each financial year that give a true and fair view of the state of affairs of NW7 Hub and of the income and expenditure of NW7 Hub for that year. In preparing these financial statements, the trustees are required: - to select suitable accounting policies and then apply them consistently; - to make judgements and estimates that are reasonable and prudent; - to prepare the financial statements on a going concern basis, unless it is inappropriate to presume that NW7 Hub will continue in business.

The trustees are responsible for keeping adequate accounting records that show and explain NW7 Hub's transactions, disclose with reasonable accuracy at any time the financial position of NW7 Hub and enable them to ensure that the financial statements comply with the Companies Act 2006.

They are also responsible for safeguarding the assets of NW7 Hub and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The trustees listed are directors of the charitable company.

Small company provisions

This report has been prepared in accordance with the provisions applicable to companies entitled to the small companies exemption.

The trustees' annual report was approved on ��������������� and signed on behalf of the board of trustees by:

Paul Edwards Trustee

Adam Morley Trustee

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NW7 Hub

Company Limited by Guarantee

Statement of Financial Activities (including income and expenditure account)

Year ended 31 March 2022

2022 2021
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 5 107,991 107,991 30,726
Charitable activities 6 14,231 14,231 54,041
───────── ──── ───────── ────────
Total income 122,222 122,222 84,767
═════════ ════ ═════════ ════════
Expenditure
Expenditure on charitable activities 7,8 40,432 4,654 45,086 37,458
───────── ─────── ───────── ────────
Total expenditure 40,432 4,654 45,086 37,458
═════════ ═══════ ═════════ ════════
───────── ─────── ───────── ────────
Net income and net movement in funds 81,790 (4,654) 77,136 47,309
═════════ ═══════ ═════════ ════════
Reconciliation of funds
Total funds brought forward 22,229 8,490 30,719 (16,590)
───────── ─────── ───────── ────────
Total funds carried forward 104,019 3,836 107,855 30,719
═════════ ═══════ ═════════ ════════

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

The notes on pages 10 to 18 form part of these financial statements.

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NW7 Hub

Company Limited by Guarantee

Statement of Financial Position

31 March 2022

2022 2021
Note £ £ £
Fixed assets
Tangible fixed assets 14 1,683 2,243
Investments 15 1 1
─────── ───────
1,684 2,244
Current assets
Debtors 16 89,248 46,831
Cash at bank and in hand 30,406 2,076
───────── ────────
119,654 48,907
Creditors: amounts falling due within one year 17 10,482 17,431
───────── ────────
Net current assets 109,172 31,476
───────── ────────
Total assets less current liabilities 110,856 33,720
Creditors: amounts falling due after more than
one year 18 3,001 3,001
───────── ────────
Net assets 107,855 30,719
═════════ ════════
Funds of the charity
Restricted funds 3,836 8,490
Unrestricted funds 104,019 22,229
───────── ────────
Total charity funds 21 107,855 30,719
═════════ ════════

For the year ending 31 March 2022 the charity was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

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

The statement of financial position continues on the following page.

The notes on pages 10 to 18 form part of these financial statements.

- 8 -

NW7 Hub

Company Limited by Guarantee

Statement of Financial Position (continued)

31 March 2022

These financial statements were approved by the board of trustees and authorised for issue on ��������������� and are signed on behalf of the board by:

Paul Edwards Trustee

----- Start of picture text -----
Adam Morley
Trustee
----- End of picture text -----

The notes on pages 10 to 18 form part of these financial statements.

- 9 -

NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements

Year ended 31 March 2022

1. General information

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is Mill Hill Library, Hartley Avenue, London, NW7 2HX, England.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the 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) (Charities SORP (FRS 102)) and the Companies Act 2006.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

The Trustees have reviewed the current and future cashflow requirements of the charity and concluded that the charity has the ability to meet its debts as they fall due. On this basis the Trustees consider that the going concern assumption is an appropriate basis on which to prepare the financial statements.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Fund accounting

Unrestricted funds are available for use at the discretion of the Trustees to further any of the charity's purposes.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

Incoming resources

All income is included in the statement of financial activities when entitlement has passed to the charity, it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

- 10 -

NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

3. Accounting policies (continued)

Incoming resources (continued)

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Fixtures and fittings - 25% reducing balance Equipment - 25% reducing balance

Investments

Fixed asset investments are initally recorded at cost, and subsequently stated at cost less any accumulated impairment losses.

Government grants

Government grants are recognised at the fair value of the asset received or receivable. Grants are not recognised until there is reasonable assurance that the charity will comply with the conditions attaching to them and the grants will be received.

- 11 -

NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

3. Accounting policies (continued)

Government grants (continued)

Where the grant does not impose specified future performance-related conditions on the recipient, it is recognised in income when the grant proceeds are received or receivable. Where the grant does impose specified future performance-related conditions on the recipient, it is recognised in income only when the performance-related conditions have been met. Where grants received are prior to satisfying the revenue recognition criteria, they are recognised as a liability.

Financial instruments

A financial asset or a financial liability is recognised only when the entity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs, unless the arrangement constitutes a financing transaction, where it is recognised at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Debt instruments are subsequently measured at amortised cost.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

Defined contribution plans

Contributions to defined contribution plans are recognised as an expense in the period in which the related service is provided. Prepaid contributions are recognised as an asset to the extent that the prepayment will lead to a reduction in future payments or a cash refund.

4. Limited by guarantee

The liability of the Charity members is limited.

Every Charity member promises, if the Charity is wound up whilst he is a Charity member or within one year after ceasing to be a Charity member, to contribute such amount as is required up to a maximum of £1 towards:

- 12 -

NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

5. Donations and legacies

Unrestricted Total Funds Unrestricted Total Funds
Funds 2022 Funds 2021
£ £ £ £
Grants
Library 106,224 106,224 25,000 25,000
Furlough income (Government grant
income) 1,767 1,767 5,726 5,726
───────── ───────── ──────── ────────
107,991 107,991 30,726 30,726
═════════ ═════════ ════════ ════════
Charitable activities
Unrestricted Restricted Total Funds
Funds Funds 2022
£ £ £
Library 14,231 14,231
════════ ════ ════════
Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Library 36,441 17,600 54,041
════════ ════════ ════════
Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2022
£ £ £
Library 4,654 4,654
Support costs 40,432 40,432
──────── ─────── ────────
40,432 4,654 45,086
════════ ═══════ ════════
Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Library 9,110 9,110
Support costs 28,348 28,348
──────── ─────── ────────
28,348
════════
9,110
═══════
37,458
════════

6. Charitable activities

7. Expenditure on charitable activities by fund type

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NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

8. Expenditure on charitable activities by activity type

Activities
undertaken Total funds Total fund
directly Support costs 2022 2021
£ £ £ £
Library 4,654 36,579 41,233 34,223
Hub 603 603 775
Governance costs 3,250 3,250 2,460
─────── ──────── ──────── ────────
4,654 40,432 45,086 37,458
═══════ ════════ ════════ ════════
9. Analysis of support costs
Library Total 2022 Total 2021
£ £ £
Staff costs 32,918 32,918 14,428
Premises 1,520 1,520 785
General 2,141 2,141 1,585
──────── ──────── ────────
36,579 36,579 16,798
════════ ════════ ════════
10. Net income
Net income is stated after charging/(crediting):
2022 2021
£ £
Depreciation of tangible fixed assets 560 747
════ ════
11. Independent examination fees
2022 2021
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 3,250 2,400
═══════ ═══════
12. Staff costs

The average head count of employees during the year was 4 (2021: 1). The average number of full-time equivalent employees during the year is analysed as follows:

Library

2022 2021
No. No.
4
════
1
════

No employee received employee benefits of more than £60,000 during the year (2021: Nil).

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NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

13. Trustee remuneration and expenses

During the year the following Trustees incurred costs personally on behalf of the charity. Details as follows:

Outstanding Outstanding
balance at balance at
31 March Expenses Expenses 31 March
2021 incurred reimbursed 2022
£ £ £ £
Adam Morley 284 284
Paul Edwards 2,122 2,122

The Trustees received no other remuneration or benefits from NW7 Hub in the year other than those disclosed above.

14. Tangible fixed assets

Fixtures and
fittings Equipment Total
£ £ £
Cost
At 1 April 2021 and 31 March 2022 4,091 1,728 5,819
═══════ ═══════ ═══════
Depreciation
At 1 April 2021 2,469 1,107 3,576
Charge for the year 405 155 560
─────── ─────── ───────
At 31 March 2022 2,874 1,262 4,136
═══════ ═══════ ═══════
Carrying amount
At 31 March 2022 1,217 466 1,683
═══════ ═══════ ═══════
At 31 March 2021 1,622
═══════
621
═══════
2,243
═══════

15. Investments

Shares in
group
undertakings
£
Cost
At 1 April 2021 and 31 March 2022 1
════
Impairment
At 1 April 2021 and 31 March 2022
════
Carrying amount
At 31 March 2022 1
════
At 31 March 2021 1
════

All investments shown above are held at valuation.

The Charity incorporated NW7 Hub Trading Ltd is a wholly owned subsidiary of the company.

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NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

16. Debtors

2022 2021
£ £
Other debtors 89,248 46,831
════════ ════════
17. Creditors: amounts falling due within one year
2022 2021
£ £
Trade creditors 3,830 14,031
Accruals and deferred income 5,652 2,400
Other creditors 1,000 1,000
──────── ────────
10,482 17,431
════════ ════════
18. Creditors: amounts falling due after more than one year
2022 2021
£ £
Other creditors 3,001
═══════
3,001
═══════

19. Pensions and other post retirement benefits

Defined contribution plans

The amount recognised in income or expenditure as an expense in relation to defined contribution plans was £345 (2021: £766). 20. Government grants

The amounts recognised in the financial statements for government grants are as follows: The amounts recognised in the financial statements for government grants are as follows:
2022 2021
£ £
Recognised in income from donations and legacies:
Government grants income 1,767
═══════
5,726
═══════

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NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

21. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At At
1 April 2021 Income Expenditure Transfers 31 March 2022
£ £ £ £ £
General funds 22,229 122,222 (40,432) 104,019
════════ ═════════ ════════ ════ ═════════
At At
1 April 2020 Income Expenditure Transfers 31 March 2021
£ £ £ £ £
General funds (17,283) 67,167 (28,348) 693 22,229
════════ ════════ ════════ ════ ════════
Restricted funds
At At
1 April 2021 Income Expenditure Transfers 31 March 2022
£ £ £ £ £
Installation of the kitchen 3,556 (3,299) 257
Foodbank costs 4,934 (1,355) 3,579
Donation for benefit of
children
─────── ──── ─────── ──── ───────
8,490 (4,654) 3,836
═══════ ════ ═══════ ════ ═══════
At At
1 April 2020 Income Expenditure Transfers 31 March 2021
£ £ £ £ £
Installation of the kitchen 10,000 (6,444) 3,556
Foodbank costs 7,600 (2,666) 4,934
Donation for benefit of
children 693 (693)
──── ──────── ─────── ──── ───────
693 17,600 (9,110) (693) 8,490
════ ════════ ═══════ ════ ═══════

- 17 -

NW7 Hub

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 31 March 2022

22. Analysis of net assets between funds

Unrestricted Restricted Total Funds
Funds Funds 2022
£ £ £
Tangible fixed assets 1,683 1,683
Investments 1 1
Current assets 115,818 3,836 119,654
Creditors less than 1 year (10,482) (10,482)
Creditors greater than 1 year (3,001) (3,001)
───────── ─────── ─────────
Net assets 104,019 3,836 107,855
═════════ ═══════ ═════════
Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Tangible fixed assets 2,243 2,243
Investments 1 1
Current assets 40,417 8,490 48,907
Creditors less than 1 year (17,431) (17,431)
Creditors greater than 1 year (3,001) (3,001)
──────── ─────── ────────
Net assets 22,229
════════
8,490
═══════
30,719
════════

23. Related parties

Included in Other Debtors are amounts owing from NW7 Hub Trading Ltd at the year end of £89,248 (2021: £46,831). The loan is unsecured and interest free terms and is repayable on demand.

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