of TAHARE NU TORAS HAMISHPACHA LTD COMPANY LIMITED BY GUARANTEE ANNUAL REPORT AND ACCOUNTS for the year ended 31 May 2024
Women's reproductive health struggles are complex, deeply personal, and often invisible - making them easy to overlook.
Toras Hamishpacha exists to provide culturally competent awareness, education, resources, and targeted guidance to ensure that no woman feels alone in her journey.
Our mission is to support women as they navigate health struggles, particularly those related to reproductive health, such as miscarriage, infertility and menopause. We are committed to empowering women to advocate for their own well-being, ensuring they have access to the care and information they deserve.
One of the many women we have helped is Sarah*. Sarah experienced three consecutive miscarriages, a condition known as Recurrent Pregnancy Loss (RPL). Crushed and hopeless, she thought she had to wait - and pay - for a specialist just to begin her journey toward having a healthy child. Then she called our hotline. We informed her about a readily available, affordable medication that she could request directly from her local GP. By advocating for herself, Sarah was able to take control of her reproductive health. She was deeply grateful when she later had a safe pregnancy and welcomed a healthy, precious baby.
Stories like these are only possible because of the dedication and generosity of our community. I would like to extend my deepest thanks to our staff, partners and donors for their ongoing dedication and commitment to improving women’s health and well-being.
Together, we are making a real difference in the lives of countless women - because we care .
Y Melber
Chair
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KEEPING OUR FINGER ON THE LATEST MEDICAL INNOVATIONS IN WOMEN'S HEALTH. SHARING THIS KNOWLEDGE WITH WOMEN SUFFERING FROM REPRODUCTIVE ISSUES. EMPOWERING WOMEN TO MAKE FULLY-INFORMED DECISIONS ABOUT THEIR HEALTH.
Our Charitable Objectives
To transform lives by providing women with the education, resources and support they need to navigate health struggles, particularly those related to reproductive health.
The charity's object and its principal activity continues to be to preserve and protect the good health of women in accordance with Jewish Law and tradition in the UK and abroad.
Though our objectives mention the provision of assistance abroad, in practice the trustees focus on activities exclusively in the UK.
The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing the charity's aims and objectives and in planning future activities.
Structure, Governance and Management
The charity is constituted as a company limited by guarantee, and is therefore governed by its Memorandum and Articles of Association.
The day-to-day affairs of the charity are administered by the trustees. None of the trustees who are also the directors has any beneficial interest in the company.
It is not currently the intention of the trustees of the charity to appoint new trustees. Should the situation change in the future, the trustees will apply suitable recruitment training and procedures.
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OUR ACHIEVEMENTS THIS YEAR: 4,717 37 women supported through our hotline women received a prlvate, in-depth face-to-face consultatlon 64 trained advisors new advisors trained 20 217 medical conferences attended people tralned in our reproductive health awareness course
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Our Hotline provides support 13 hours a day, 5 days a week
Our team of 64 trained advisors handles nearly 5,000 calls annually, offering support and guidance on women’s health issues.
Each advisor receives training in coaching skills and medical knowledge, making them experts in understanding callers' concerns, offering empathy, and providing clear information about available options.
Here’s how our callers describe the impact of their conversations with us:
• Their mental health improved because they felt understood and supported.
• They could be active decision-makers because they gained a clear understanding of their medical options.
• They gained increased confidence in presenting ideas to their doctor, thanks to the latest medical insights shared by TH.
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We offer private consultations
For individuals or couples facing more complex challenges, such as infertility, recurrent pregnancy loss, or genetic concerns, we offer in-person or virtual consultations to review their cases in detail and provide enhanced support. Each client is paired with an experienced caseworker who will guide them through every step of their journey toward resolution.
This year, we also opened a dedicated office with a private consultation room to facilitate in-person meetings.
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REPRODUCTIVE HEALTH AWARENESS COURSE
Medical innovations have the potential to address countless challenges, yet they are often underdisseminated. Medical professionals have told us that, due to their focus on developing their own specialties in health, they lack the time to attend other medical conferences. To bridge this gap, our comprehensive, self-paced course provides the latest strategies in women’s health, ensuring they stay updated.
Our course is delivered by a diverse team of medical professionals and is designed for medical practitioners, community educators, Rabbis, and community leaders.
We are actively spreading awareness
WE’RE SPREADING KNOWLEDGE FURTHER BY:
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Distributing leaflets on the latest medical developments
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Sending monthly newsletters with in-depth updates
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Speaking at women’s health events and talk shows
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Delivering community seminars to share insights on medical issues and advancements
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We attend leading medical conferences
Our senior team attends more than 20 medical conferences each year, staying up-to-date with the latest advancements in gynaecology and fertility. We meet with world-renowned experts in each sub-specialty, gaining valuable insights into their research, experience and innovative treatment methods. We then share this cutting-edge medical knowledge with those facing these challenges, as well as with doctors and community leaders.
CASE STUDY:
Until recently, women facing secondary infertility often struggled to conceive, even with fertility treatments. However, recent medical advances have shown that a simple blood test can identify individuals at risk of fertility loss. Unfortunately, local GPs lack access to this information, and even gynaecologists and fertility specialists will sooner offer pills for cycle control than recommend this vital test, which could reveal a woman’s fertility risks. We are now advising women to take this affordable blood test, empowering them to make informed decisions about cycle control based on their unique medical profile. This proactive approach helps pre-empt and prevent the heartache associated with secondary infertility.
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We're planning for a stronger future
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We’re working on expanding our services to reach more communities and families across the UK.
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We’re aiming to build stronger, more personal, relationships with medical professionals
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We're working on defining the unique specialties of each of our centres. This includes helping individuals find local NHS specialists, increasing access to a wider range of services.
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We’re working on building our digital resources to better support those waiting for assistance, particularly in managing more complex cases.
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We’re compiling a comprehensive booklet covering over 25 women's health topics to help raise awareness and provide valuable information.
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FINANCIAL REVIEW
The financial results of the charity's activities for the year ended 31 May 2024 are fully reflected in the attached financial statements together with the notes thereon.
RESERVES POLICY
It is the policy of the charity to maintain unrestricted funds, at a level which the trustees think appropriate, after considering the future commitments of the charity and the likely costs of the charity for the next year.
As at 31 May 2024 the charity has total funds of £93,436, all of which are unrestricted funds.
INVESTMENT POWERS AND POLICY AND OBJECTIVES
Under the Memorandum and Articles of Association, the charity has the power to make any investment which the trustees see fit. The trustees regularly review the charity's position and needs in respect of the Investment policy.
RISK MANAGEMENT
The trustees have identified and reviewed the major risks to which the charity is exposed, in particular those related to the operations and finance of the charity, and are satisfied that systems are in place to manage those risks.
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 28 March 2025 and signed on behalf of the board of trustees by:
Mr Y Melber Director
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INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF TORAS HAMISHPACHA LTD YEAR ENDED 31 MAY 2024
I report to the trustees on my examination of the financial statements of Toras Hamishpacha Ltd ('the charity') for the year ended 31 May 2024.
RESPONSIBILITIES AND BASIS OF REPORT
As the trustees of the company (and also its directors for the purposes of company law) you are responsible for the preparation of the financial statements in accordance with the requirements of the Companies Act 2006 ('the 2006 Act’).
Having satisfied myself that the accounts of the company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of the charity’s accounts as carried out under section 145 of the Charities Act 2011 (‘the 2011 Act’). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.
2. the financial statements do not accord with those records; or
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the financial statements do not comply with the accounting requirements of section 396 of the 2006 Act 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; or
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the financial statements have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102).
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.
INDEPENDENT EXAMINER'S STATEMENT
Since the charity’s gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the 2011 Act. I confirm that I am qualified to undertake the examination because I am a member of the Institute of Chartered Accountants in England and Wales (ICAEW), which is one of the listed bodies.
I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe:
- accounting records were not kept in respect of the charity as required by section 386 of the 2006 Act; or
DAVID GOLDBERG FCA DCHA Independent Examiner
New Burlington House 1075 Finchley Road London NW11 0PU
28 March 2025
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STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING INCOME AND EXPENDITURE ACCOUNT) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
| Note Unrestricted funds £ 2024 Restricted funds £ Total funds £ 2023 Total funds £ |
Note Unrestricted funds £ 2024 Restricted funds £ Total funds £ 2023 Total funds £ |
|---|---|
| INCOME FROM Donations and legacies TOTAL INCOME EXPENDITURE ON Raising funds Charitable activities TOTAL EXPENDITURE NET INCOME (EXPENDITURE) AND NET MOVEMENT IN FUNDS RECONCILIATION OF FUNDS Total funds brought forward TOTAL FUNDS CARRIED FORWARD 5 6 7,8 |
271,706 99,411 371,117 182,476 |
| 271,706 99,411 371,117 182,476 |
|
| 51,581 195,527 - 99,411 51,581 294,938 12,111 208,018 |
|
| 247,108 99,411 346,519 220,129 |
|
| 24,598 - 24,598 (37,653) |
|
| 68,838 - 68,838 106,491 |
|
| 93,436 - 93,436 68,838 |
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 16 to 24 form part of these financial statements.
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BALANCE SHEET
TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
| Note 2024 £ |
£ | 2023 £ |
£ |
|---|---|---|---|
| CURRENT ASSETS Debtors Cash at bank and in hand CREDITORS: amounts falling due within one year NET CURRENT ASSETS TOTAL ASSETS LESS CURRENT LIABILITIES NET ASSETS FUNDS OF THE CHARITY Unrestricted funds TOTAL CHARITY FUNDS 92,474 2,962 95,436 2,000 14 15 16 |
93,436 93,436 93,436 93,436 93,436 |
- 71,838 71,838 3,000 |
68,838 |
| 68,838 | |||
| 68,838 | |||
| 68,838 | |||
| 68,838 |
The notes on pages 16 to 24 form part of these financial statements.
For the year ending 31 May 2024 the charity was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
Directors' responsibilities:
• The members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476;
• The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of financial statements.
These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies' regime.
These financial statements were approved by the board of trustees and authorised for issue on 28 March 2025, and are signed on behalf of the board by:
MR Y MELBER
Director
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NOTES TO THE FINANCIAL STATEMENTS
TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
1. GENERAL INFORMATION
Judgements and key sources of estimation uncertainty
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 New Burlington House, 1075 Finchley Road, NW11 0PU, London.
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.
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.
There were no judgements made by the directors in the application of these accounting policies that have significant effect on the financial statements, nor estimates with a significant risk of material adjustment in the next year.
Fund accounting
Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.
3. ACCOUNTING POLICIES
Basis of preparation
Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.
The financial statements have been prepared on the historical cost basis. The financial statements are prepared in sterling, which is the functional currency of the entity.
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 subclasses: restricted income funds or endowment funds.
Going concern
Incoming resources
There are no material uncertainties about the charity's ability to continue.
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.
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NOTES TO THE FINANCIAL STATEMENTS (continued)
TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
3. ACCOUNTING POLICIES (continued)
Incoming resources (continued)
Financial instruments
Income from donations or grants is recognised when there is evidence of entitlement to the gift, receipt is probable and its amount can be measured reliably.
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:
Expenditure on raising funds includes the costs of all fundraising activities, events, non-charitable trading activities, and the sale of donated goods.
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.
Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted. Debt instruments are subsequently measured at amortised cost.
Expenditure on charitable activities includes all costs incurred by a charity in undertaking activities that further its charitable aims for the benefit of its beneficiaries, including those support costs and costs relating to the governance of the charity apportioned to charitable activities.
4. LIMITED BY GUARANTEE
The company is limited by guarantee and does not have a share capital. The liability of every member is limited to £1 in the event of winding up.
Charitable activities
Grants payable are charged to the statement of financial activities once the charity has made a commitment to pay the grant and this has been communicated to the beneficiary or the grant has been paid, whichever is earlier.
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NOTES TO THE FINANCIAL STATEMENTS (continued)
TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
5. DONATIONS & LEGACIES
| 5. DONATIONS & LEGACIES | 5. DONATIONS & LEGACIES |
|---|---|
| Unrestricted funds £ Restricted funds £ Total funds 2024 £ |
|
| DONATIONS Delapage Limited Other donations - 271,706 271,706 99,411 - 99,411 99,411 271,706 371,117 Unrestricted funds £ Restricted funds £ Total funds 2023 £ |
|
| DONATIONS Delapage Limited Other donations Unrestricted funds £ 6. COSTS OF RAISING DONATIONS AND LEGACIES |
- 182,476 182,476 - - - - 182,476 182,476 Total funds 2024 £ Unrestricted funds £ Total funds 2023 £ |
| Costs of raising donations 51,581 |
51,581 12,111 12,111 |
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NOTES TO THE FINANCIAL STATEMENTS (continued)
TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
7. EXPENDITURE ON CHARITABLE ACTIVITIES BY FUND TYPE
| Unrestricted funds £ Restricted funds £ Total funds 2024 £ |
Unrestricted funds £ Restricted funds £ Total funds 2024 £ |
|---|---|
| Advancement of women's health Support costs 138,000 57,527 195,527 99,411 - 99,411 237,411 57,527 294,938 Unrestricted funds £ Restricted funds £ Total funds 2023 £ |
138,000 57,527 99,411 - 237,411 57,527 |
| 195,527 99,411 294,938 |
|
| Advancement of women's health Support costs |
197,889 10,129 - - 197,889 10,129 |
| 208,018 - 208,018 |
8. EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE
| Activities undertaken directly £ Support costs £ Total funds 2024 £ Total funds 2023 £ |
Activities undertaken directly £ Support costs £ Total funds 2024 £ Total funds 2023 £ |
|---|---|
| Advancement of women's health Governance costs |
237,411 - 53,373 4,154 290,784 4,154 197,889 10,129 |
| 237,411 57,527 294,938 208,018 |
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NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
9. ANALYSIS OF CHARITABLE ACTIVITIES
| 9. ANALYSIS OF CHARITABLE ACTIVITIES | |
|---|---|
| 2024 £ |
|
| Hotline services Medical conferences Educational services Consultations and advocacy Case management and referrals Medical research and development Women's health outreach/promotion Total |
81,276 31,512 40,442 19,634 32,132 16,085 16,330 |
| 237,411 |
10. ANALYSIS OF SUPPORT COSTS
| Advancement of women's health £ Total 2024 £ Total 2023 £ |
Advancement of women's health £ Total 2024 £ Total 2023 £ |
|---|---|
| Premises General ofce Governance costs Administrative costs |
11,149 3,703 4,154 38,521 11,149 3,703 4,154 38,521 - - 10,129 - |
| 57,527 57,527 10,129 |
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NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
11. INDEPENDENT EXAMINATION FEES
| 11. INDEPENDENT EXAMINATION FEES | ||
|---|---|---|
| 2024 | 2023 | |
| £ | £ | |
| Fees payable to the independent examiner for: | ||
| Independent examination of the fnancial statements | 2,000 | 3,000 |
12. STAFF COSTS
No salaries or employee benefits were paid during the year (2023: £nil).
13. TRUSTEE REMUNERATION AND EXPENSES
No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.
The charity did not meet any expenses incurred by the trustee for services provided to the charity (2023: £Nil).
14. DEBTORS
| 14. DEBTORS | ||
|---|---|---|
| 2024 | 2023 | |
| £ | £ | |
| Prepayments and accrued income | 92,474 | - |
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NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
15. CREDITORS: amounts falling due within one year
| 2024 £ 2023 £ |
||
|---|---|---|
| Accruals and deferred income 16. ANALYSIS OF CHARITABLE FUNDS |
2,000 3,000 At 1 June 2023 £ Income £ Expenditure £ At 1 May 2024 £ |
2,000 3,000 |
| Unrestricted funds General funds |
68,838 271,706 (247,108) 93,436 |
|
| At 1 June 2022 £ Income £ Expenditure £ At 31 May 2023 £ |
||
| General funds | 106,491 182,476 (220,129) 68,838 |
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NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
16. ANALYSIS OF CHARITABLE FUNDS (continued)
| At 1 June 2023 £ Income £ Expenditure £ At 31 May 2024 £ |
At 1 June 2023 £ Income £ Expenditure £ At 31 May 2024 £ |
|
|---|---|---|
| Restricted funds Restricted fund |
- 99,411 (99,411) - |
|
| At 1 June 2022 £ Income £ Expenditure £ At 31 May 2023 £ |
||
| Restricted fund 17. ANALYSIS OF NET ASSETS BETWEEN |
- - - - |
|
| FUNDS Unrestricted funds £ Total funds 2024 £ |
||
| Current assets Creditors less than 1 year Net assets |
95,436 (2,000) 95,436 (2,000) |
|
| 93,436 93,436 |
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NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2024
17. ANALYSIS OF NET ASSETS BETWEEN FUNDS (continued)
| Unrestricted funds £ Total funds 2023 £ |
Unrestricted funds £ Total funds 2023 £ |
|---|---|
| Current assets Creditors less than 1 year Net assets |
71,838 (3,000) 71,838 (3,000) |
| 68,838 68,838 |
18. RELATED PARTIES
There were no transactions with related parties such that are required to be disclosed under FRS102.
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REFERENCE AND ADMINISTRATIVE DETAILS REGISTERED CHARITY NAME TRUSTEES: Toras Hamishpacha Ltd Mr Y Melber Mr l Tesler Mr J Wittenberg Mr G Dunner Mrs S Lock CHARITY REGISTRATION NUMBER 1176133 COMPANY REGISTRATION NUMBER INDEPENDENT EXAMINER: 10769687 David Goldberg FCA DChA New Burlington House 1075 Finchley Road London NW11 OPU REGISTERED OFFICE ADDRESS New Burlington House 1075 Finchley Road London NW11 OPU 25