2022-12-31-accounts

Report and Financial Statements for the year ended 31 December 2022

Charity No. 1176947

ABOUT MOSAIK EDUCATION

Our vision

able to access, shape and lead the education they require for rebuilding their societies or for integration and success in new ones.

Our mission

To empower a community of refugees and civil society organisations to shape and lead programmes that support refugees in accessing university.

Our values

• participate in the design and delivery of our programmes, acknowledging that resilience is best achieved by building community capacity.

• Inclusive: striving to create opportunities for those who are most disadvantaged and marginalised.

• Collaborative: incorporating others’ ideas and sharing our own, acknowledging that they are improved through modification and reinvention by others.

• how we work alongside the beneficiaries of our programmes.

Our activities

Mosaik supports refugees to reach university through guidance and language programmes that are designed with refugees; using technology to ensure accessibility; and working with local organisations in Jordan and Lebanon to facilitate access for young refugees.

Today, just six percent of refugees globally have access to tertiary education, compared to 40 percent of global youth. This limits their opportunities to find work, become self-reliant, integrate in host communities and, ultimately, to fulfil their aspirations.

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INTRODUCTION FROM THE CHAIR OF TRUSTEES

I am pleased to present the 2022 annual report of Mosaik Education.

Our mission focuses on making tertiary education a reality for refugees. Just six percent of refugees across the world are able to reach tertiary education, compared to the average enrolment rate for youth globally, which stands at 40%. Our programmes remove barriers that refugees face, creating opportunities for refugees to fulfil their ambitions.

Last year, we expanded our programmes to reach over one thousand young refugees and people from hosting communities through our Guidance workshops, webinars, mental wellbeing support and language lessons. This was Mosaik’s most successful year in reach, but perhaps even more significantly, the majority of our activities were led by refugees, including past participants of Mosaik’s programmes.

Whilst it has been exciting to witness the development of Mosaik’s approach - from designing with refugees to programmes led by refugees - Mosaik and the sector we work in need to go further in ensuring that refugee communities are central in problem-solving, designing and leading solutions that cater to their needs. This will make for more effective and participatory programmes, and help respond to historical injustices.

2022 provided us with a blueprint for Mosaik’s new 2023-2025 strategy, which prioritises the role of young refugees in expanding our programmes and innovation in operational design to ensure equitable design, partnerships and governance of our organisations.

Our new strategy comes at a time of ever increasing need. Continued and new crises across the Middle East, Europe, Asia and South America has meant the number of forcibly displaced people worldwide rose above 100 million for the first time.

At the same time, accessing education remains an acute challenge for refugees. Education provides safety, contributes to mental wellbeing, opportunities for per onal development and future prospects. But many refugee children are out of school - in Lebanon, 60% of Syrian children are out of school. Education is equally essential for youth and adults seeking to re-enter or restart careers. Yet there are limited opportunities for higher skills development and vocational training.

I would like to thank our team, our partners, and donors for their continued support in 2022. Your commitment makes the work of Mosaik possible.

Frances Guy Chair, Board of Trustees

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ACTIVITIES AND ACHIEVEMENTS IN 2022

• Expanding our Guidance Workshops programme to reach 769 young refugees and host community members across Jordan, Lebanon and Turkey.

• Delivering impact for young refugees through our programmes: 65% of participants had used skills from our programmes within six weeks of completing then; 31% had offers or had enrolled in a tertiary education witin six months.

• Innovating with our delivery model to blended, remote and webinar versions of our guidance programme.

• Developing a new mental wellbeing training module for young refugees alongside our long-term partners Multi Aid Programs for Syrians.

• Starting new partnerships with UNHCR, Theirworld and Choose Love (under Funders for Refugee Leadership in Lebanon) to expand our programmes and test new scalable delivery models.

• Designing a new English teacher training package which supports inexperienced teachers to integrate more communicative methods of language teaching.

• Developing a new three year 2023-2025 strategy for Mosaik.

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EXPANDING AND IMPROVING OUR PROGRAMMES

An increase in funding from 2021 to 2022 allowed us to expand programmes to achieve our highest ever number of participants in a single year. Under the Guidance Programme alone we were able to each 769 participants through blended and online workshops in Jordan, Lebanon and Turkey.

Whilst the number of tertiary level scholarships and the rate of access for refugees has increased from 1% in 2019, to 6% in 2022, research has consistently found that a lack of guidance and counselling on education pathways leaves young refugees unaware of opportunities, what they entail, their prerequisites, and how to access them. Mosiak’s Guidance Programme supports refugees with the skills to evaluate and pursue tertiary education. The Programme consists of eight modules of digital learning materials and facilitated activities.

At the same time as increasing the scale of the programme, we were also able to maintain quality of delivery and the high level outcomes for the participants of these programmes: 65% of participants had used skills from our programmes within six weeks of completing then; 31% had offers or had enrolled in a tertiary education within six months.

We developed and tested new models of delivery and new content. In the summer of 2022, in collaboration with UNHCR, we worked with a group of refugee and host community facilitators to design and deliver a series of Guidance webinars that reached 540. The webinars were focussed on single topic areas from the workshops, combining existing content with stories from young refugees.

We were also able to develop and integrate new content that supports refugee youth with mental wellbeing and resilience alongside our long-term delivery partner in Lebanon Multi Aid Programs for Syrians. Forced displacement can have severe psychological impacts. The separation of families and loss of support networks, which are scattered across different countries, also has a profound emotional impact on refugees, affecting their mental health. Yet mental health support is ofen scarce in displacement settings, with less than 1% of humanitarian funding being put towards this area. The pilot of the content was a success, with positive feedback from facilitators and programme participants.

As well as expanding the Guidance Programme, we also further developed Mosaik’s English programme. In displacement contexts - whether in the Middle East and in Europe - English is ofen requested, but rarely easy to access. Refugees are either without provision or in informal classes that are ofen led by ‘non-qualified teachers’ teachers who are not qualified English teachers, but have some experience of teaching or training.

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Through a series of iterative design sessions and small cohorts led by graduates of our own English programme, we designed an English teacher training and resource package to continue and expand the conversation-driven approach to English Mosaik has pursued in previous years. This package is designed specifically for ‘non-qualified teachers’ by providing a base of foundational skills for language teaching, observation of communicative practices, and resources that allow teachers to predict and effectively work with learners’ interest and emergent language. It is anticipated that this training will be piloted in the first half of 2023 withpartners in Jordan, Lebanon and the UK.

Safeguarding

Mosaik Education believes that all children and vulnerable adults, regardless of age, ability or disability, gender reassignment, race, religion or belief, sex or sexual orientation or socio-economic background, have the right to be protected from abuse, neglect or exploitation.

During 2022, we continued to deliver safeguarding training to the Mosaik team and partners, as well as updating our policies and capturing learning to refine our safeguarding processes and procedures. At the end of 2022, recruitment for new Mosaik trustee positions began, which included identifying candidates to take a specific safeguarding role at board level.

and enhancing visibility

In 2022, we successfully broadened Mosaik’s grant funding base with three new major funding partnerships in 2022: UNHCR, Choose Love (under their Funders for Refugee Leadership in Lebanon) and Theirworld. Along with continued funding from the Al Tajir Trust and public donations this meant Mosaik raised a total of £190,978.

At the end of 2022, we ran another successful Big Give Christmas Challenge campaign, which raised over £11,000 to seed our English teacher training projects in Jordan and Lebanon in 2023, taking Mosaik’s total revenue from public fundraising to £23,090.

Building the success of 2022, we worked with our donors, partners and participants to identify key challenges and opportunities that needed to be addressed for Mosaik to improve and expand its impact beyond 2022. We developed an exciting new strategy that has five overall goals by the end of 2025:

• …Refugee leadership is driving the scaling of Mosaik’s programmes to reach 10,000 refugees in five displacement situations

• …Mosaik’s programmes are creating multiple tertiary pathways for refugees

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• through progressive operational models

• …Mosaik has converted its knowledge into a business model to catalyse online learning between marginalised communities, educators and funders

• and direction of this strategy

This strategy outlines an exciting and ambitious vision for Mosaik’s future - one that focuses to innovation in models of partnership, operational design and governance.

enhancing Mosaik’s communications, visibility online and at sector events around the world, in large part driven by a team of volunteer professionals. In Autumn 2022 we launched a new brand identity for Mosaik, with a new website design, graphic, colour scheme, photography and a tone of voice.

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Strengthening Mosaik’s internal capacity and governance

Key to supporting Mosaik’s successful implementation of a new strategy is the capacity of the team and board to deliver it.

In 2022, the Mosaik team chose to focus our collective training on equity based design, which explored how our organisation and design processes could be more equity-driven, inclusive and just by reviewing existing programmes, studying others and prioritising actions. This training greatly influenced our 2023-2025 strategy and specific actions for 2023.

consultation with volunteers on retention. This indicated positive team culture and staff engagement at Mosaik, particularly in openness to sharing ideas, asking colleagues for support, enthusiasm for Mosaik’s mission, and clarity of purpose. We also identified three areas that we could improve on: enabling more collaboration in a remote working setup; resources and professional development opportunities;

points: harnessing the team’s positive engagement by celebrating and reinforcing team achievements; developing practices that support more effective collaboration in our remote setup; allocate additional resources for professional development; developing an equity, diversity and inclusion action plan.

In reviewing Mosaik Education’s aims and planning for future activities, the trustees have given careful consideration to the Charity Commission’s general guidance on public benefit. Our vision and mission show that Mosaik Education is committed to working with communities and technology to support refugees into higher education. Therefore refugees are our beneficiaries.

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FINANCIAL REVIEW

Financial activities

All values in £	2022	2021
Total incoming resources:	190,978	62,924
Total outgoing resources:	201,656	68,235
Net cash infow:	(10,678)	(5,311)
Debt:	-	3,000
Unrestricted reserves:	4,781	21,490

During the year Mosaik Education’s main sources of funding were restricted grants from UNHCR Agency, Choose Love, Theirworld and Al Tajir Trust. Other sources of funding include donations from trustees, board advisors and other individuals.

Our approach to fundraising

Our relationships with our donors are very important. Mosaik Education aims to ensure that fundraising is respectful, open, honest and accountable. We have a close relationship with individuals, foundations and organisations that support us.

Education does not use external professional fundraisers, does not employ the services of any fundraising agencies or third parties, and does not run telephone or door to door fundraising campaigns.

Mosaik Education has ensured compliance with the general data protection regulations (GDPR), and, as part of an ongoing commitment to best practice, strives to adhere to the standards set by the Fundraising Regulator and the Institute of Fundraising. During the year, there were no instances of non-compliance with the requirements of the fundraising code of practice, and no complaints have been received by Mosaik Education regarding fundraising activities.

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Investment policy

The trustees do not believe it necessary for Mosaik Education to have a formal investment policy given the nature of activities and relatively low level of cash. This position is reviewed regularly.

Reserves policy and unrestricted funds

The trustees aim to hold reserves equal to 3-6 months of essential operating costs. The trustees believe that this level of reserves is sufficient to cover any:

• stricted grant funding;

• unforeseen costs to deliver agreed project outcomes not covered by the project budget;

• unforeseen day-to-day operating costs;

• emergencies.

On 31 December 2022, Mosaik Education had unrestricted reserves of £4,791 (2021: £21,490) and restricted reserves of £6,021(2021: £0). Unrestricted reserves provide 0.6 months of cover for essential operating costs based on the 2023 budget approved by the board. This is 20% of the current reserves policy. Subsequent to year end Mosaik has secured additional funding to cover activities to the end of December 2023 and has a number of applications in progress to secure further funding.

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STRUCTURE, GOVERNMENT AND MANAGEMENT

Mosaik Education is a charitable incorporated organisation and registered as a charity on 1 February 2018.

Trustees

The trustees are responsible for establishing clear strategic goals for Mosaik Education. These goals, together with performance targets, are established annually, and the chief executive reports on them at trustee meetings. According to their skills, experience and interests, trustees take responsibility for one or more areas of activity.

Recruitment, induction and training

Trustees regularly complete a skills assessment and use this as a basis for deciding whether to recruit new additional trustees to complement the existing board’s skills and experience. Board vacancies are advertised externally. Applications are screened, and short-listed applicants are invited to meet with representatives from the board and management team. On appointment, each trustee completes a register of interests, which is renewed annually. When new trustees are recruited, their training needs are assessed and met as necessary.

While the trustees are responsible for establishing Mosaik Education’s strategic goals, day-to-day activities are directed by the chief executive. The chief executive is responsible for developing strategies, products, and services within overall guidelines, and implementing policies set by the trustees. He or she is responsible for representing Mosaik Education externally and for ensuring that Mosaik Education’s values are communicated and observed. He or she is also responsible for the recruitment, training, and development of staff and volunteers.

During the year ended 31 December 2022, Mosaik Education did not employ any staff. The team comprises six paid contractors and six volunteers.

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Risks

Mosaik Education has a risk management process in place to enable the trustees and the chief executive to assess the risks facing the charity, and to devise and implement strategies and controls to mitigate or address these risks. A comprehensive risk register is maintained and is reviewed regularly by the chair and by the trustees. The board considers the following to be highest risk areas:

Risk

Mitigating activities

Financial • Failure to secure ade- quate funding to deliver the 2023-2025 strategy. • Ideal reserves policies not met • Gaps in funding lead to cash fow difculties • Grants in pipeline are delayed or cancelled • Loss on exchange rates as a result of dealing with diferent currencies • Failure to comply with donor imposed restric- tions • Fraud or error • Non-compliance with anti terrorism legisla- tion.

• Prioritise funding pipeline and look to diversify potential funding sources • Target set for 3-6 months running costs • CEO or Finance Advisor to provide a budget forecast at each board meeting and to review monthly management accounts with an accountant/fnance advisor on board. • Regular communication with grant manager and timelines on approval • Include contingency to account for FX rate loss in the budget for 2022. Aim to receive funds and make contracts in GBP • Regular review of grant agreements • Regular fnance reporting to the board. Fraud policy introduced. Staf trained. • If transfers required to states under bank legislation, take advice from oth- er NGO actors

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Risk

Mitigating activities

Operational • Unable to deliver on com- mitments to donors - con- tractually too ambitious. • Failure to secure staf that can deliver - includ- ing staf turnover • Failure to continue to be innovative as a result of time spent implementing programmes • Competition from similar organisations • Restrictions on employ- ment policy make it dif- cult to hire key personnel from the region • Over dependence on vol- unteers for critical activ- ities • Travel of staf to areas with safety risk • Failure to document pro- cedures and other key fles • Failure to adequately back up key IT systems. • Abuse of vulnerable bene- fciaries • Instability forces pro- gramme to stop or become irrelevant

• One Trustee + fnance advisor review of all project applications greater than £50000 • Ensure adequate policies and funding to enable staf employment that can include on the job training and incen- tives. • Creation of an advisory group of the Mosaik Education that includes at least one member with sufcient qual- ifcations to ensure the organisation is bringing in innovative ideas relevant to its mission. • Charity senior management to regu- larly monitor sectors relevant to the charity’s mission and conduct analysis as part of annual report on strategy. • Advertise widely and get sound legal advice. • When taking on new activities en- sure taking on sufcient staf. Robust induction process for volunteers and description of tasks and expectations in volunteer agreements. • Staf agree to a set of security guide- lines and travel insurance is taken out in all cases. • Ensure back-up procedures are tasked out and are regularly reviewed. • Safeguarding policy, code of conduct and reporting mechanisms in place. • Develop an online option to deliver independently; keeping up to date with partners on programmes that will be able to run • Track political developments

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REFERENCE AND ADMINISTRATIVE DETAILS

Charity registration number	1176947
Trustees & Board Advisors	Frances Guy (Chair) Sarah Broad Sianne Haldane Diana Laurillard George McNamara (stood down 1 July 2022) Salim Salamah (appointed 16 November 2022) Amir Raki (Board Advisor, appointed 4 August 2023) Matthew Wingate (appointed 4 August 2023) Paul Fean (appointed 4 August 2023)
Chief executive	Ben Webster
Registered ofce	Hatch Peckham, Peckham Levels, 95A Rye Lane, London SE15 4ST

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INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF MOSAIK EDUCATION

I report to the charity trustees on my examination of the accounts of the company for the year ended 31 December 2022 which are set out on pages 16 to 28.

Responsibilities and basis of report

As the charity trustees of Mosaik Education 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 Mosaik Education’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent Examiner’s statement

my attention in connection with the examination giving me cause to believe that in any material respect:

• a. accounting records were not kept in respect of the Society as required by section 130 of the Act; or

• b. the accounts do not accord with those records.

• c. The accounts did not comply with the applicable requirements concerning the content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a “true and fair” view which is not a matter considered as part of an independent examination.

I have 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.

Signed:

Wendy Cheung FCCA ACCA MBA BSc(Hons) 6th July 2023

Redwood Grove Ltd, T/A Redwood Grove Professional Services. Company Number 13543260

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(Incorporating Income and Expenditure Account)

For the year ended 31 December 2022

	Notes	Unrestricted Funds	Restricted Funds	2022	2021
				Total	Total
		£	£	£	£
Income from
Donations and legacies	2	23,090		23,090	32,454
Charitable activities	3	-	167,888	167,888	30,467
Other income		-	-	-	3
Total income		23,090	167,888	190,978	62,924
Expenditure on
Raising funds		2,017	5,983	8,000	2,500
Charitable activities		37,772	155,884	193,656	65,735
Total expenditure	4	39,789	161,867	201,656	68,235
Net income/(expendi- ture)for theyear		(16,699)	6,021	(10,678)	(5,311)
Balance brought forward at 1 January		21,490	-	21,490	26,801
Balance carried forward at 31 December		4,791	6,021	10,812	21,490

All of the above results are derived from continuing activities; all gains and losses recognised in the year are included above. Movements in funds are disclosed in notes 10 and 11 to the financial statements.

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Mosaik Education Balance sheet

As at 31 December 2022

	£	£
	2022	2021
Cash	15,483	18,335
Debtors
Accrued income	50	8,602
Prepayments	376	-
Current assets	15,909	26,937
Creditors	4,488	2,400
Deferred Income	-	-
Bank Loan	-	3,000
Accruals	609	47
Current liabilities	5,097	5,447
Net current assets	10,812	21,490
Non-current liabilities	-	-
Net assets	10,812	21,490
Funds
General Funds	4,791	21,490
Restricted Funds	6,021	-
Total Funds	10,812	21,490
Funds
Surplus b/f	21,490	26,801
Surplus current Year	(10,678)	(5,311)
Total Funds	10,812	21,490

signed on their behalf by:

Frances Guy Chair

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As at 31 December 2022

	£	£
	2022	2021
Net income	(10,678)	(5,311)
Adjustments for:
Non-cash activities: conversion of loan to donation		(1,750)
Interest income		(3)
(Increase)/Decrease in debtors	8,176	(4,721)
(Decrease)/Increase in creditors	2,650	(6,468)
Net cash provided by operating activities	148	(18,253)
Cash fow from investing activities
Investment income—bank interest		3
Net cash provided by investing activities		3
Cash fow from fnancing activities
Interest free loan	(3,000)	3,000
Net cash provided by fnancing activities	(3,000)	3,000
Change in cash and cash equivalents in the year	(2,852)	(15,250)
Cash and cash equivalents at the beginning of theyear	18,335	33,585
Cash and cash equivalents at the end of the year	15,483	18,335

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Mosaik Education Notes forming part of the financial statement

For the year ended 31 December 2022

1. Accounting policies

The following accounting policies have been applied consistently in dealing with items which are material in relation to the financial statements.

a. Basis of preparation

and Reporting by Charities: 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) (effective 1 January 2019)—(Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (January 2019) and the Companies Act 2006. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy note(s).

The trustees have assessed whether the use of the going concern basis is appropriate and have considered possible events or conditions that might cast significant doubt on the ability of the charity to continue as a going concern. The trustees consider that there are no material uncertainties about the charitable company’s ability to continue as a going concern. The trustees have made this assessment for a period of at least one year from the date of approval of the financial statements. In particular, the trustees have considered the charity’s forecasts and projections and have taken account of pressures on donations and grant income. Afer making enquiries, the trustees have concluded that there is a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. The charity therefore continues to adopt the going concern basis in preparing its financial statements.

b. Public Beneft Entity

In reviewing Mosaik Education’s aims and planning future activities, the trustees have given careful consideration to the Charity Commission’s general guidance on public benefit. Our vision and mission show that Mosaik Education is committed to working with communities and technology to support refugees into higher education. Our beneficiaries are therefore refugees.

All our activities contribute to our strategic aims and are for the benefit of the public. This report has set out Mosaik Education’s activities and achievements and illustrates how they benefit refugees. The charity meets the definition of a public benefit entity under FRS 102.

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c. Income

is probable that the income will be received and the amount can be quantified with reasonable accuracy.

• Donations are recognised when received.

• Gifs are taken into account on a receivable basis, but only when capable of exact financial measurement.

• Restricted grants are recognised as income when they become receivable. Where unconditional entitlement to grants receivable is dependent upon fulfilment of conditions within the charity’s control, the income is recognised when there is sufficient evidence that conditions will be met. Where there is uncertainty as to whether the charity can meet such conditions, the income is deferred.

d. Expenditure

under headings that aggregate all costs related to the category.

Expenditure is allocated to the particular activity where the cost relates directly to that activity, along with any associated irrecoverable VAT.

e. Expenditure on raising funds

Expenditure on funds relate to the costs incurred by the charitable company in developing relationships with third parties to make voluntary contributions to it, as well as the cost of any activities with a fundraising purpose.

Where information about the aims, objectives and projects of the charity is provided to potential beneficiaries, the costs associated with this publicity are allocated to charitable expenditure.

f. Fund accounting

Funds held by the charity are either restricted or unrestricted.

• Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

• Unrestricted funds can be used in accordance with the charitable objects at the discretion of the trustees.

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g. Taxation

The charity is exempt from taxation on its charitable activities.

h. Financial instruments

Financial assets, such as cash and debtors, are measured at their present value of the amounts receivable, less an allowance for the expected level of doubtful receivables. Financial liabilities, such as trade creditors, loans and finance leases, are measured at the present value of the obligation. An equity instrument is any contract that evidences a residual interest in the assets of Mosaik Education afer deducting all of its liabilities.

i. Debtors

Trade and other debtors are recognised at the settlement amount due afer any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

j. Cash

Cash at bank and cash in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

k. Creditors and provisions

Creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount afer allowing for any trade discounts due.

qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value, with the exception of bank loans, which are subsequently measured at amortised cost using the effective interest method.

l. Foreign currency

The charity’s functional and presentation currency is pounds sterling. Foreign currency transactions are translated at the spot rate of exchange on the date of the transaction. Foreign currency balances are translated at the spot rate of exchange on the balance sheet date. Any gain or loss arising is charged to the SOFA

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m. Judgements

In the application of the charity’s accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

n. Statutory information

Mosaik Education is a charitable incorporated organisation. The registered office address is Hatch Peckham, Peckham Levels, 95A Rye Lane, London SE15 4ST

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1. Donations and legacies

	2022	2021
	£	£
Donations from or on behalf of trustees	842	9,045
Other donations	22,248	23,409
Total donations and legacies	23,090	32,454

All income from donations and legacies was unrestricted.

3. Restricted revenue

		2022	2021
		£	£
Programming activities	Open University	976	13,907
	Al Tajir	2,000	10,000
	University of Reading	-	4,956
	Employee Donation	-	1,604
	Choose Love	61,806	-
	Theirworld	35,000	-
	UNHCR	68,106	-
Total restricted revenue		167,888	30,467

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4. Expenditure

					Cost of raisingfunds	Charitable activities	2022 Total	2021 Total
	Direct			programme costs	£	£	£	£
	Contracted staf				8,000	90,384	98,384	35,473
Travel & subsistence					-	4,829	4,829	969
Local co-design facilitation					-	-	-	-
Programme delivery cost					-	63,088	63,088	6,738
Other direct costs					-	2,995	2,995	1,086
			Governance		-	-	-	-
Contracted staf					-	-	-	1,000
Audit fees					-	-	-	-
Trustee recruitment					-	-	-	-
		Support costs			-	-	-	-
Contracted staf					-	16,133	16,133	18,662
Travel & subsistence					-	5,131	5,131	240
Ofce costs					-	463	463	242
Website & IT					-	2,515	2,515	2,281
Insurance					-	1,911	1,911	1,238
Professional Fees					-	6,132	6,132	15
Foreign ex- change(gain)/loss					-	75	75	291
Total expenditure					8,000	193,656	201,656	68,235

5. Trustees’ remuneration and expenses

The trustees neither received nor waived any emoluments during the year and no expenses were reimbursed to trustees.

six paid contractors to provide professional services. The total fee paid to these individuals was £98,384 (2021: £76,676).

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7. Related party transactions

During the year Mosaik Education received the following from related parties:

	2022	2021
Relationship	£	£
Donations from trustees	842	9,045
Donations from Board Advisors and paid contractors	-	2,500
Interest free loan from trustees and paid contractors	-	-

8. Debtors and prepayments

	2022	2021
	£	£
Prepayments	376	-
Gif aid receivable	-	-
Grant receivable	-	8,602
Donations receivable	50
	426	8,602

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9. Creditors

	2022	2021
Amounts falling due within one year	£	£
Trade creditors	4,488	2,400
Bank Loan	-	3,000
Accruals	609	47
	5,097	5,447

10. Analysis of net assets between funds

	Unrestricted funds	Restricted funds	Total
	£	£	£
Fund balances at 31 December 2022 are represented by:
Current assets	9,888	6,021	15,909
Current liabilities	(5,097)	-	(5,097)
Non-current liabilities	0	-	0
Total net assets	4,791	6,021	10,812
Fund balances at 31 December 2021 are represented by:
Current assets	25,337	1,600	26,937
Current liabilities	(3,847)	(1,600)	(5,447)
Non-current liabilities	-	-	-
Total net assets	21,490	-	21,490

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11. Restricted & unrestricted funds

The funds of the charity include restricted funds. These are funds that can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes. Unrestricted funds can be used in accordance with the charitable objects at the discretion of the trustees.

Fund balances at 31 December 2022 are represented by:

	At the start of the year	Income	Expenditure	Foreign ex- change gain / (loss)	At the end of the year
	£	£	£	£	£
Restricted funds	-	167,888	(161,867)		6,021
Unrestrict- ed funds	21,490	23,090	(39,714)	(75)	4,791
Total funds	21,490	190,978	(201,580)	(291)	10,812

Fund balances at 31 December 2021 are represented by:

	At the start of the year	Income	Expenditure	Foreign ex- change gain / (loss)	At the end of the year
	£	£	£	£	£
Restricted funds	19,059	30,467	(49,235)	(291)	-
Unrestrict- ed funds	7,742	32,457	(18,709)	-	21,490
Total funds	26,801	62,924	(67,944)	(291)	21,490
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12. Financial commitments

As at 31 December 2022 Mosaik Education was not committed to making any payments under non-cancellable operating leases.

13. Post balance sheet events

Since the end of 2022, Mosaik has signed three new grants contracts with UNHCR, Theirworld and Choose Love.

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