of
TAHARE
NU
TORAS HAMISHPACHA LTD
COMPANY LIMITED BY GUARANTEE
ANNUAL REPORT AND ACCOUNTS
for the year ended 31 May 2025
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, 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. dedication and commitment to improving women’s health and well-being.
**because we care** .
**Y Melber** Chair
~~**2**~~
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.
~~**4**~~
OUR ACHIEVEMENTS THIS YEAR:
5,428
59
people were advlsed
through the hotllne
couples recelved a
prlvate consultatlon
68
trained
advlsors
new advisors
trained
17
medl¢al conferences
attended
258
people quallfied
through our course
~~**6**~~
## 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.
~~**7**~~
## 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.
~~**8**~~
## 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:
- Distributing leaflets on the latest medical developments
- Sending monthly newsletters with in-depth updates
- Speaking at women’s health events and talk shows
- Delivering community seminars to share insights on medical issues and advancements
~~**9**~~
## 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.
**1** ~~**0**~~
## **We're planning for a stronger future**
**1. We’re working on expanding our services to reach more communities and families across the UK.**
**2. We’re aiming to build stronger, more personal, relationships with medical professionals**
**3. We're working on defning the unique specialties of each of our centres. This includes helping individuals fnd local NHS specialists, increasing access to a wider range of services.**
**4. We’re working on building our digital resources to better support those waiting for assistance, particularly in managing more complex cases.**
**5. We’re compiling a comprehensive booklet covering over 25 women's health topics to help raise awareness and provide valuable information.**
**1** ~~**1**~~
## **FINANCIAL REVIEW**
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 2025 the charity has total funds of £89,230, all of which are unrestricted funds.
## **INVESTMENT POWERS AND POLICY AND OBJECTIVES**
trustees regularly review the charity's position and needs in respect of the Investment policy.
## **RISK MANAGEMENT**
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 26 February 2026 and signed on behalf of the board of trustees by:
**Mr Y Melber** Director
**1** ~~**2**~~
## **INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF TORAS HAMISHPACHA LTD YEAR ENDED 31 MAY 2025**
Hamishpacha Ltd ('the charity') for the year ended 31 May 2025.
## **RESPONSIBILITIES AND BASIS OF REPORT**
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
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’).
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.
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**
attention in connection with the examination giving me cause to believe:
1. 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
26 February 2026
**1** ~~**3**~~
## **STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING INCOME AND EXPENDITURE ACCOUNT) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
|**Note**
**Unrestricted**
**funds**
**£**
**2025**
**Restricted funds**
**£**
**Total funds**
**£**
**2024**
**Total funds**
**£**|**Note**
**Unrestricted**
**funds**
**£**
**2025**
**Restricted funds**
**£**
**Total funds**
**£**
**2024**
**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**|237,348
10,589
**247,937**
371,117|
||237,348
10,589
**247,937**
371,117|
||49,102
192,452
-
10,589
**49,102**
**203,041**
51,581
294,938|
||241,554
10,589
**252,143**
346,519|
||(4,206)
-
**(4,206)**
24,598|
||93,436
-
**93,436**
68,838|
||89,230
-
**89,230**
93,436|
All income and expenditure derive from continuing activities.
**1** ~~**4**~~
## **BALANCE SHEET**
## **TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
|**Note**|**2025**
**£**|**£**|**2024**
**£**|**£**|
|---|---|---|---|---|
||||||
|**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**
**14**
**15**
**16**|**61,032**
**30,198**
**91,230**
**2,000**|**89,230**
**89,230**
**89,230**
**89,230**
**89,230**|92,474
2,962
95,436
2,000|93,436|
|||||93,436|
|||||93,436|
|||||93,436|
|||||93,436|
For the year ending 31 May 2025 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.
in accordance with the provisions applicable to companies subject to the small companies' regime.
the board of trustees and authorised for issue on 26 February 2026, and are signed on behalf of the board by:
**MR Y MELBER**
Director
**1** ~~**5**~~
## **NOTES TO THE FINANCIAL STATEMENTS**
## **TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **1. GENERAL INFORMATION**
## **Judgements and key sources of estimation uncertainty**
guarantee, registered in England and Wales and a registered charity in House, 1075 Finchley Road, NW11 0PU, London.
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**
'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 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 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.
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.
**1** ~~**6**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued)**
## **TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **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.
becomes a party to the contractual provisions of the instrument.
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**
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.
**1** ~~**7**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued)**
## **TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **5. DONATIONS & LEGACIES**
|**5. DONATIONS & LEGACIES**|**5. DONATIONS & LEGACIES**|
|---|---|
|**Unrestricted**
**funds**
**£**
**Restricted**
**funds**
**£**
**Total funds**
**2025**
**£**||
|||
|**DONATIONS**
Delapage Limited
Other donations
-
237,348
237,348
10,589
-
10,589
**10,589**
**237,348**
**247,937**
**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|
## **6. COSTS OF RAISING DONATIONS AND LEGACIES**
||**Unrestricted**|**Total funds**|**Unrestricted**|**Total funds**|
|---|---|---|---|---|
||**funds**|**2025**|**funds**|**2024**|
||**£**|**£**|**£**|**£**|
|Costs of raising donations|49,102|**49,102**|51,581|51,581|
**1** ~~**8**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued)**
## **TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **7. EXPENDITURE ON CHARITABLE ACTIVITIES BY FUND TYPE**
|**Unrestricted**
**funds**
**£**
**Restricted**
**funds**
**£**
**Total funds**
**2025**
**£**|**Unrestricted**
**funds**
**£**
**Restricted**
**funds**
**£**
**Total funds**
**2025**
**£**|**Unrestricted**
**funds**
**£**
**Restricted**
**funds**
**£**
**Total funds**
**2025**
**£**|
|---|---|---|
||||
|Advancement of women's health
Support costs
131,803
60,649
192,452
10,589
-
10,589
**142,392**
**60,649**
**203,041**
**Unrestricted**
**funds**
**£**
**Restricted**
**funds**
**£**
**Total funds**
**2024**
**£**||131,803
60,649
10,589
-
**142,392**
**60,649**|
|||192,452
10,589
**203,041**|
||||
|Advancement of women's health
Support costs
138,000
57,527
195,527
99,411
-
99,411
237,411
57,527
294,938
**8. EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE**
**Activities**
**undertaken directly**
**£**
**Support**
**costs**
**£**
**Total funds**
**2025**
**£**
**Total funds**
**2024**
**£**||138,000
57,527
99,411
-
237,411
57,527|
|||195,527
99,411
294,938|
||||
|Advancement of women's health
Governance costs|142,392
-
50,771
9,878
**193,163**
**9,878**
290,784
4,154||
||142,392
60,649
**203,041**
294,938||
**1** ~~**9**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued)**
## **TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **9. ANALYSIS OF CHARITABLE ACTIVITIES**
|**9. ANALYSIS OF CHARITABLE ACTIVITIES**|||
|---|---|---|
||**2025**
**£**|**2024**
**£**|
||||
|Hotline services
Medical conferences
Educational services
Consultations and advocacy
Case management and referrals
Medical research and development
Women's health outreach/promotion
Total|**67,074**
**16,127**
**22,288**
**12,276**
**12,436**
**3,982**
**8,209**
**142,392**|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**
**2025**
**£**
**Total**
**2024**
**£**|**Advancement of**
**women's health**
**£**
**Total**
**2025**
**£**
**Total**
**2024**
**£**|
|---|---|
|||
|Premises
Governance costs
Administrative costs|12,000
171
9,878
38,600
**12,000**
**171**
**9,878**
**38,600**
11,149
3,703
4,154
38,521|
||60,649
**60,649**
57,527|
**2** ~~**0**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **11. INDEPENDENT EXAMINATION FEES**
|**11. INDEPENDENT EXAMINATION FEES**|||
|---|---|---|
||**2025**|**2024**|
||**£**|**£**|
|Fees payable to the independent examiner for:
Independent examination of the fnancial statements|**4,800**|2,000|
## **12. STAFF COSTS**
## **13. TRUSTEE REMUNERATION AND EXPENSES**
were received by the trustees.
The charity did not meet any expenses incurred by the trustee for services provided to the charity (2024: £Nil).
## **14. DEBTORS**
|**14. DEBTORS**|||
|---|---|---|
||**2025**|**2024**|
||**£**|**£**|
|Prepayments and accrued income|**61,032**|92,474|
**2** ~~**1**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **15. CREDITORS: amounts falling due within one year**
|||**2025**
**£**
**2024**
**£**|
|---|---|---|
||||
|Accruals and deferred income
**16. ANALYSIS OF CHARITABLE FUNDS**|**2,000**
2,000
**At 1 June**
**2024**
**£**
**Income**
**£**
**Expenditure**
**£**
**At 31 May**
**2025**
**£**|**2,000**
2,000|
||||
|**Unrestricted funds**
General funds|93,436
237,348
(241,554)
**89,230**||
||**At 1 June**
**2023**
**£**
**Income**
**£**
**Expenditure**
**£**
**At 31 May**
**2024**
**£**||
||||
|General funds|68,838
271,706
(247,108)
93,436||
**2** ~~**2**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **16. ANALYSIS OF CHARITABLE FUNDS (continued)**
||**At 1 June**
**2024**
**£**
**Income**
**£**
**Expenditure**
**£**
**At 31 May**
**2025**
**£**|**At 1 June**
**2024**
**£**
**Income**
**£**
**Expenditure**
**£**
**At 31 May**
**2025**
**£**|
|---|---|---|
||||
|**Restricted funds**
Restricted fund|-
10,589
(10,589)
**-**||
||**At 1 June**
**2023**
**£**
**Income**
**£**
**Expenditure**
**£**
**At 31 May**
**2024**
**£**||
||||
|Restricted fund
**17. ANALYSIS OF NET ASSETS BETWEEN**|-
99,411
(99,411)
-||
||**FUNDS**
**Unrestricted**
**funds**
**£**
**Total funds**
**2024**
**£**||
||||
|Current assets
Creditors less than 1 year
Net assets||91,230
(2,000)
**91,230**
**(2,000)**|
|||89,230
**89,230**|
**2** ~~**3**~~
## **NOTES TO THE FINANCIAL STATEMENTS (continued) TORAS HAMISHPACHA LTD - COMPANY LIMITED BY GUARANTEE YEAR ENDED 31 MAY 2025**
## **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|95,436
(2,000)
95,436
(2,000)|
||95,436
95,436|
## **18. RELATED PARTIES**
There were no transactions with related parties such that are required to be disclosed under FRS102.
**2** ~~**4**~~
(Resigned 26 November 2024) Mr B Gestetner (Appointed 26 November 2024)
**2** ~~**5**~~