Charity registration number: 1174426 Chesterfield Food Bank Annual Report and Financial Statements for the Year Ended 30 September 2025 Chesterfield Food Bank Contents Trustees, Report including Reference and Administrative Details I to 13 Statement of Trnstees, Kesponsibilities 14 Independent Examiner's Report 15 Statement of Financial Activities 16 Balance Sheet 17 18to 26 Notes to the Financial Statements Chesterfield Food Bank Trustees, Report including Reference and Administrative Details Charity Information & Administration Details Charity Name Chesterfield Foodbank Charity Registration Number 1174426 Charity Format Charitable Incorporated Organisation Governing Document Constitution - Foundation model Date Registered 30 August 2017 Principal Address Unit 3 Carrwood Road Chesterfield S419QB Founder Trustees 2017-to date Daniel Cooke {Chair) Nicola Fletcher Bank Co-operative Bank PO Box 250 Delf House Southway Skelmersdale WN8 61 Independent Examiner MG Walker & Co Ltd 119A High Street Clay Cr055 Chesterfield S45 9DZ Page I Chesterfield Food Bank Trustees, Report including Reference and Administrative Details cont. Background Chesterfield Foodbank (CFBI a member of the Trussell Trust provides 3 days, supply of food to local people in financial crisis who have obtained a foodbank voucher from a local agenoi and if possible, we signpost them to other agencies who can help resolve the crisis. Strurture, governance and management Chesterfield Foodbank (CFB) is a Charitable Incorporated Organisation (CIO), formally th registered by the Charities Commission on 30 August 2017 and with a constitution based on the Charity Commission 'Foundation' model. Trustees Daniel Cooke {Chair) The Rectory, Sheepcote Road, Killamarsh, Sheffield. S21 IDU 3 Heathfield Avenue, Ashgate, S40 4A1 Nicola Fletcher Sarah Menzies The Brambles, Hemming Green, Old Brampton, S42 7JQ Penelope Hargreaves 31 Avondale Road, Chesterfield, 540 4TF. John Roberts 3 Langford Croft, Chesterfield. S40 2GG Jeffrey Kitts 46 Alexandra Road West, Chesterfield. S40 INP Alan Ramsey 12 Cauldon Drive, Holme Hall, Chesterfield. S40 4UB lan Haye5 4 Highfield Close, Palterton, ChesterPield. S44 6WA There should be at least 3 elected trustee5. appointed for a term of three year5 by a resolution passed at a properly convened meeting of the charity trustees. CFB has continued to help local people and families who find themselve5 in financial crisis, referred to the foodbank. All clients are met with compassion and a listening ear irrespective of their age, gender, gender-reassignment, sex, ethnic background, faith or no faith or social Status. The only requirement is that they are referred by a front- line agency due to financial crisis and live in Chesterfield and the surrounding area. Page 2 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details eont. other offi￿rS Stuart Tilley-Treasurer Objerts The objects of the CIO are the relief of financial hardship amongst people in Chesterfield and the surrounding area in such ways as the trustees think fit. In particular by providing emergency food, essential toiletries, and household items to individuals and families in need and/or for distribution by charities or other organisations working to prevent or relieve poverty. Summary of Main Activities We provide food, toiletries, and other help to people in crisis in and around Chesterfield. We get the supplies from generous gifts and donations from local people, companies and supermarkets. The food and toiletries are stored in our warehouse and are then distributed to people through our distribution centres. Clients must be referred by a front-line agency such as the Citizens Advice Bureau, Social worker5. school family support workers. Agencies provide E-voucher5 numbers that are tracked & logged into our digital data collection system {DCS). At the distribution centres, the client is met with compassion, a cup of tea or coffee and friendly listening ear. Details are taken of any allergies or diet related health issues (e.g. diabetes), the size of familyp age of children and the food is then packed for them to take away. The packs provide food for 3 days for their household. In addition, the foodbank volunteers signposted Clients to other services and agencies who may be able to help with some of the core issues to help the client out of the crisis. As the role of the foodbank is assistance in short term crisis, the principle remains to avoid clients being dependent on the foodbank long term. We now have 6 foodbank Distribution Centres / operating 7 sessions: Monday Tuesday Wednesday Thursday Brimington & Hasland Compass Compass Whittington Moor & Hope Valley Loundsley Green Friday Page 3 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details cont. We have a main storage unit at Unit 3 Carrwood Road Industrial Estate, Chesterfield, which had been provided by Derbyshire County Council, Rent and Rate free until Dec 2023. At this point a new 3-year contract wa5 agreed with Derbyshire County Council to pay rent on an annual basis: Jan 2025 £13,500 and Jan 2026 £26,995. The warehouse remains Rates free. Derbyshire County Council have Subsequently 501d our Unit3 at Carrwood Industrial Estate to Peppermint Grove. going forward we will be negotiatin8 With the new Landlord regarding the rental agreement. We collect donations from local 5upermarket5 and their customers, taking them back to the warehouse for sorting and storage. We use a pre-packed model where Orders are assembled at the warehouse for delivery to the centres. There are clear guidelines for the pack content for I person, 2 people, 3-4 people and larger family pack5 5/6. The warehouse is also open on Tuesday, Thursday, and Friday mornings for incoming donations. The community continues to support the foodbank having donated 54,332.3 Kg of stock across the year worth £141.474 at the standard Trussell Trust (rr) value of £2.37/kg. This support was down on the previous year when 59,693 Kg was donated. During this year 22,970 Kg of food was purchased to fill gaps in stock to make up shortfalls due to reduction in physical donations, a significant drop of 38%. The total stock of donations and purchased items totalled 80.753.56 kg worth an estimated £191.385.94 at the standard Th value. Food donations came from many sources but principally from: Charities 10.2% Community Groups 1.5% Churches 15.7% Schools 10.10 Supermarkets 44.6 % Individua15 10.21 % Corporates/workplace 6.020 Page 4 Chesterfield Food Bank Trustees, Report including Reference and Administrgdtive Details cont. Staff th I x Operations Manager (4 November 2019 to-date) I x Communications, Engagement & Funding Manager (appointed January 2022) The Trustees restructured the management of the food bank in recognition of the increased workload. We have an Operations Manager and a Communications, Engagement & Funding Manager. The Trustees formally committed to continuing both posts going forward from I April 2024. st Volunteers The foodbank benefits greatly from the support of approx. 137 volunteers; without whose goodwill the foodbank could not run. Each foodbank distribution centre is run by a volunteer Centre Manager and between 12-20 volunteers each, usually on a weekly, or bi- weekly rota gistem. Other volunteers (15) worked behind the scenes sorting food at the warehouse and there is a designated volunteer Warehouse Manager. Achievements The foodbank continued to meet the needs of local people having fulfilled 5602 vouchers, representing a small decrease of approximately 7.1% over the same period last year. The 3-day emergency food parcels helped 9,859 individuals: a decrease of circa 12.4Yo' of these 2266 were for children 16 and under. Altogether this can be equated to 88.731 rneals over the year Oct 2024- Sept 2025. We are pleased to report a 121AI decline In the number of vouchers/ clients seeking crisls food packages across the year; indicating that headway has been made in reducing the need for the foodbank in Chesterfield. Reasons for referrals Rising cost of essentials increases made up just under half of all referrals at 25.2% with Debt at circa 15.6% and insecure housing at circa 4%. Benefit related issues contributed 11.2% of referrals with Health issues at 16.1% of all referral5. CAB In- house Advlsory Service From August 2022 Financial Inclusion Funding enabling a specialist CAB adviser to be present at CFB distribution sessions offering direct advice to clients. The third CAB Annual Report Sept 2025 demonstrated the continued significant impact of this initiative and that it would be well used going forward. Across the year 134 new clients accessed this service of Page 5 Chesterfield Food Bank Trnstees, Report including Reference and Administrative Details cont. whom 82% had a disability or long term health condition. 64Yo were Male, of which 58% aged 30-54. Most had rent & council tax arrears, utilities issues and or benefrts issues. Most importantly 53% of people were estimated to no longer need to use the CFB as a result of advice and support interventions. In addition, our data suggests that 58% of clients made only two visits to distribution centres. Maln partner referral Agencies. Vouchers fulfilled Referral Agency Name Adults Children Total Chesterfield Citizens Advice Derbyshire Recovery Partnership 322 424 134 558 682 iioo 64 1174 Pathways of Chesterfield 594 659 19 678 CBC Housing Management P3 Homelessness Prevention (Chesterfield) 420 537 165 702 247 315 52 367 P3 132 159 50 209 National Probatlon Service INew) Derbysh[￿ Unemployed Workers Centre 418 524 33 557 483 281 386 97 Chesterfield Foodbank 130 190 50 231 Ingeus The Muslim Welfare Association of Chesterfield & North Derbyshire 54 61 70 57 159 105 264 Total 4297 5853 1472 7325 The number of referrals from agencies involved in homelessness and housin& Pathways, Housing First and Derbyshire Recovery Partnership remained high, accounting for approximately a third of referrals. Interestin& the number of referrals from the National Probation Service has almost doubled. Page 6 Chesterfield Food Bank Trustees, Report including Reference and Administrntive Details cont. Website. E-vouchers We continue to promote the CFB through the website, Facebook and other social media; encouraging donations of food, money and generally raising the profile of CFB. A quarterly Newsletter acknowledges & celebrates our supporters and funders. Extensive outreach work in the form of school assemblies, church & corporate presentations ha5 further broadened our benefactor profile. Promoting urgently needed items helped many of our supporters to provide the specific items needed to replenish stocks. E-referrals have been further entrenched as best practice during the year. Tesco Collections CFB have a Christmas Tesco superrnarket collection where shoppers are asked to buy one or more items from a Shopping list, donating them on the way out of the store. Thank5 to an agreement between Trussell Trust (Tt) and Tesco plc, a 3-day collection takes place each year in November / early December, this being a national date for the foodbank network. In 2024/25 we ran collections between Nov 27 th 29th collecting 2704.55 Kg of th stock. We also did a one day summer Tesco collection on 5 July collecting 933.1 Kg. In addition to the food donated, Tesco also top-up with a cash donation proportionate to the weight of donations recorded on the Data Collection System minus 15% admin fee. This is collected by rr for all foodbanks and paid by them directly into respective accounts. ASDA has a similar arrangement with rr with top-up donations to 20% of the value of the items collected, based on a set value of £2.33/ Kg. Page 7 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details eont. Supermarket Permanent Collection Points (PCP) We have continued to benefit from permanent collection points in several supermarkets. Warehouse volunteers collect from our PCPS on a weekly or fortnightly rota. In addition to this, volunteers collected ad-hoc donations when needed, particularly at Christmas or Harvest Festivals. Store Weight (kg) 497.32 Value {£) 4,878.65 3,492.17 Tesco Extra Tesco Metro 1,473.49 668.5 Barlow Spar Morrisons Chesterfield 4045.8 1,584.35 9,588.55 890.36 ASDA 375.68 We received top up unrestricted funds from Tesco to the value of £1,399.36 { July-Dec 20241 and £1,123.571 Jan -june 2025). Harvest We benefited greatly from haniest collections from both schools and churches. The harvest collection runs from September to November and crosses our reporting period. We have split the collection accordingly and for the period l Oct 24 to 30 Sept 25 we collected 5654 Kg which equates to 10.4 % of yearly stock donations. This was a slight increase in both quantity and % of stock on the previous year. Purchasing Stock The continued national Cost of Living Crisis and the slowing down of stock donations resulted in the continued need to purchase Stock on a weekly basis to the value of £46K. Our financial status allowed us to purchase basic items to around £3-4000 per month across the year. This to be reviewed going forward. Total Distributlon Across all CFB distribution centres, including deliveries, CFB distributed 91,290.68 Kg of food and toiletries directly to clients in the Chesterfield area to the value of £216,358.91 Page 8 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details cont. Peak 011 partnership Peak Oil continue to donate diesel for use in the foodbank vans, approx £100 per month plus £75 per month by Direct debt. This has been increasingly important due to increased donation collections, bulk purchasing and deliveries to clients. Flnanclal Donation5 & Grants Financial donations saw a decrease of 23% in 2024/25 despite the huge generosity of the local community and businesses. Notably, Direct Debts down approx. £7K and Paypal down £3K. While the donations cannot be guaranteed going forward, other donation streams remain similar to previous year5, and continued to flow in. Income from Monetary donations & Grants amounting to £117,951 coming from a variety of sources Gift Aid HMRC Just Giving PayPal Direct Debit Cash Cheques £4,363 £10,564 £879 £30,566 £3,505 £4,550 Other significant financial one-off donations & Restricted Grants came from: Trussell Trust £22,451 £9,883 (CAB Funding) £5,000 £4,596 (Warehouse) £400 Aviva match funding Albert Hunt Crowd Funding ASDA co-op £500 Chesterfield Council £10,195 It is noted and acknowledged that Income for 2023124 was unusually inflated (£256,995) due to significant grants from the National Lottery, TT and Foundation Derbyshire. Page 9 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details eont. Break down of accounts Expenditure Unrestrlcted Funds £ 58,922 1,222 4,115 5,552 3,016 14,500 2,027 1,233 12,905 5,895 2,021 38,748 4,866 118,986 Unrestrirted Funds Restrlcted Funds £ Total Staff Costs & Expense5 Volunteer Expenses Vehicle Costs Warehouse /maintenance Electricity, Gas & Water Rent & Room hire Accountant / Legal Insurance Subcontracted costs Office expenses Mobile phones/lnternet Food/ stock purchases Depreciation 58,922 1,222 4,115 5,552 3,016 18,096 2,027 1,233 45,239 5895 2,021 46,144 4,866 197,430 TOTAL 4,596 22,451 +9,883 7,395 TOTAL 44,325 Restrirted Funds INCOME Bank Transfers Crowd Funding Gift Aid Cash, cheques, foundations Just Giving Paypal Other Grants {ASDAnesco/ co-op ) Chesterfield Borough Council Grants { Th F Inclusion ) Albert Hunt 30,566 14,479 4,363 8,451 10,504 879 30,566 14,479 4,363 8,451 10,504 879 2,250 2,250 9,883 22,451 5,0(Kl 48,480 9,545 22,451 5,000 117,952 TOTAL 69,427 Available funds 83,500 Closlng Balance at bank Reserved Funds Warehouse Operational Reserves (3 x monthly rolling expenses) Unspent Funds 121.128 3,000 42,150 3,000 42,150 Pa8e 10 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details cont. Reserve Policy Purpose: The purpose of the Operating Reserve Policy for Chesterfield Foodbank (CFBI is to ensure the stability of the mission, programs, employment, and ongoing operations of the or8anization. The Operating Reserve is intended to provide an internal source of funds for situations such as a sudden increase in expenses, one-time unbudgeted expenses, unanticipated loss in funding, or uninsured losses. The Reserve may also be used for one- time, non-recurring expenses that will build long-term capacity, such as staff development, research and development, or investment in infrastructure. Operating Reserves are not intended to replace a permanent loss of funds or eliminate an ongoing budget gap. It is the intention of CFB for Operating Reserves to be used and replenished within a reasonably short period of time. The Operating Reserve Policy will be implemented in concert with the other governance and financial police5 of CFB and is intended to support the goa15 and strategies contained in these related policies and in strategic and operational plans. Definitions and Goals: The Operating Reserve Fund is defined as a designated fund set aside by action of the Trustees. The minimum amount to be designated a5 Operating Reserve will be established in an amount sufficient to maintain ongoing operations and programs for a set period of time, measured in months. The Operating Reserve serves a dynamic role and will be reviewed and adjusted in response to internal and external changes. The target minimum Operating Reserve Fund is equal to three months of average operating costs. The calculation of average monthly operating costs includes all recurrin& predictable expenses such as salaries and benefits, occupancy, office, travel, program, and ongoing professional services. Depreciation, in-kind, and other non-cash expenses are not included in the calculation. The calculation of average monthly expenses also excludes some expenses examples are, one- time or unusual, capital purchases. The amount of the Operating Reserve Fund target minimum will be calculated each year after approval of the annual budget, reported to the Trustees and included in the regular financial reports. Accounting for Reserves: The Operating Reserve Fund will be recorded in the financial records as Trustee Designated Operating Reserve. The ORF will be funded and available in cash or cash equivalent funds. Operating Reserves will be commingled with the general cash and investment accounts of the organization. Page 11 Chesterfield Food Bank Trustees, Report including Reference and Administrative Details cont. Funding of Reserves: The Operating Reserve Fund will be funded with surplus unrestricted operating funds. The Trustees may from time to time direct that a specific source of revenue be set aside for Operating Reserve5. Examples may include one-time gifts or bequests, special grants, special appeals or one-off maintenance costs or location costs. Use of Reserves: Use of the Operating Reserves requires two steps: l. Identification of appropriate use of reserve funds. The Chair of Trustees and staff will identify the need for access to reserve funds and confirm that the use is consistent with the purpose of the resenies as described in this Policy. This step requires analysis of the reason for the shortfall, the availability of any other sources of funds before using reserves, and evaluation of the time that the funds will be required and replenished. 2. Authority to use operating reserves Authority for use of Operating Reserves is delegated to the Project Co-ordinator in consultation with the Treasurer and Chair of Trustees. The use of Operating Resenies will be reported to the Trustee Board at their next scheduled meetin£, accompanied by a description of the analysis and determination of the use of funds and plans for replenishment to restore the Operating Reserve Fund to the target minimum amount. The Project Co-ordinator must receive prior approval from the Executive Committee/Board of Directors if the Operating Reserves will take longer than 12 month5 to replenish. Revlew of Pollcy This Policy will be reviewed every other year, at minimum, by the Trustees or 500ner if warranted by internal or external events or changes. Changes to the Policy will be recommended by the Treasurer to the Board of Trustees. Public benefit The trustees confirm that they have complied with the requirements of section 17 of the Charities Act 2011 to have due regard to the public benefit guidance published by the Charity Commission for England and Wales. The trustees and committee have adopted the provisions of accounting and reporting by charities: Statement of Recommended Practice applicable in the UK and republic of Ireland (FRS102) (effective l January 2015). Page 12 Chesterfield Food Bank Trustees, Report ineluding Reference and Administrative Details cont. Approved by order of the board of trustees and committee on 2 Feb 2026 and signed on its behalf by: Penny Hargreaves Trustee Rev Daniel Cooke -chairman Page 13 Chesterfield Food Bank Statement of Trustees, Responsibilities The trnslees are responsible for preparing the trnstees, report and the flliancial statements in accordance with the United Kingdom Accountjng Standards (United Kingdom Generally Accepted Accounting Practice) and applicable law and regulations. The law applicable to charities requires the trnstees to prepare financial statements for each fmancial y¢ar which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources of the charity for that period. In preparing these financial stalements, the trustees are required to." select suitable accounting policies and then apply them consistently? observe the methods and principles in th¢ Charities SORP. make judgements and estimates that are reasonable and prudent. state whether applicable accounting standards have been followeiL subject to any material departures disclosed and explained in the fll]ancial statements. and Prepare the financial statements on the going concern basis unless it is inappropriate to presum¢ that the charity will continue in b￿lneSS. The trustees are responsible for keeping proper accounting recor(Ls that disclose with reasonable accuracy at any tim¢ the financial position of the charity and enable them to ensure that the fjnancial slatements comply with the Charities Act 2011, the Charities (Accounts and Reports) Regulations 2008, and the provisions of the constitution. The trustees are also r¢5ponsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. The trustees are responsible for the maintenance and integrity of the coryorate and f￿anCIal infomiation included on the charitable company's website. Legtslation governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions. Approved by the trustees of the charity on 2 February 2026 and signed on its behalf by: Ms Penelope Hargreaves Trustee Reverend Daniel Benedict Cooke Chairnlan and trustee Page 14 Chesterfield Food Bank Independent Examiner's Report to the trustees of Chesterfield Food Bank I report to the trustees on my examination of the accounts of Chesterfield Food Bank for the year ended 30 September 2025. Responsibilities and basis of report As the charity trustees of ChesteTfield Food Bank 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 Chesterfield Food Bank 's accounts carried out under section 145 of the 2011 Act and in carrying out my e￿lMination I have followed all the applicable Directions given by th¢ Charity Commtssion under section 145(5)(b) of the Act. TDdependeDt examiner's statemeDt I have completed my exarnination. I confinn that no material matters have come to rny attention in connection with the examination giving me cause to believe that in any material respect,. l. accounting records were not kept in respert of Chesterfield Food Bauk as required by section 130 of the 2. the accounts do not accord with those records; OT 3. the accounts do not comply with the arxounting requirements concerning the forni and conlenl of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'trne and fair view, which is not a matter considered as part of an independent examination. o concerns and have come across no other matters in connection with the examination to which attention be drawn in this report in OTder to enable a proper understanding of the accounts to be reached. I have shoul Nl Postage and stationery Motor expenses Advertising Trade subscriptions Accounlancy fees (388) (155) (768) (1,435) (693) (540) (122) (269) (290) (714) (697) (485) (1,911) (1.946) (3.839) (2,628) (1.256) (541) (948) (1,073) (2,870) (4,115) (48) (1,006) {2,027 197.430 (468) (1,069 212,198) This page does not fonn part of th¢ statutory finanrial statements. Page31