Charity Regl¥trnllon Nc*. 1179014 RIBBLE VALLEY CROSSROADS CARE ANNUAL REPORT AND UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 PM+AI Solutlons for Bu81ness LLP Charte￿d Accountanls New Century House fjreenDanK T¢cnnoiogy parK Bl•Ekbum Lancashire 881 SQ8 RIBBLE VALLEY CROSSROADS CARE LEGAL AND ADMINISTRATIVE INFORMATION Tru•t8•8 Ms OAssheton IPmsNJenll G Hore (Chawl MsAWalace Ivice Chairl Mr l Joyce Mr O Bkaza MSA Robert3 Dr M Smith Mi M Townend AC Ms G Galagher Ms J Spurgeon Mr S O'Rourke Mrw Sliryi IAppoint•d 12 F•bru*ry 20251 c￿rIty number 1179014 PrIne1￿1 iddm• Sulte 10. Ha*lhorr* 8u$l￿$ Pwk Lincoln Way Clitheroe L8tKasN B87 10D Indepgndgnt •x¥rnln•r PM+M Solu￿n3 8usknè8s LLP New Cenlury House Greenbank Technokngy Park Chollen9e Way Blackbum BB1 SQ8 RIBBLE VALLEY CROSSROADS CARE CONTENTS Pag• Tru$lees' rewjrt Independent examiners report statement olfln8nc681 advil*s io B8lanc8 Jheel Staten*nl ol cash fiows 12 Notes to the financio18tAtemenls 13-21 RIBBLE VALLEY CROSSROADS CARE TRUSTEES, REPORT FOR THE YEAR ENDED 31 MARCH 2025 The trustees pre8enl their annual rerx)rt and finanriBI 5tsternents lor thtr year ended 31 Mar¢h 2025. The financial 51atements hav8 been prepwed in accordan￿ wilh the 8rxounb.ng polkx$ Sel out in note 1 to the nanclal statements and compty with the chanty's governing dOCu￿nI. the Charities Act 2011 and 'Accounting and Reportsng by Charits"es Statement of Re￿mMended PraciKe applKable to charitses prepaTing their accounts Sn accordance with Ihe FinaThc1￿ Reprybng Standard appkable kn the UK and Republic of Ireland IFRS 1021. leffe¢Jve 1 January 20191. Statoment from the Chalrpordon FthancSal year 2024r25 was another year of chonw for Ribble Val* Crossroads Care. In the year Greharn Claydon 8nd Donna O'Rourke reswned as tru$lee$ and we thanked th•m foi thelr iupport and ts)mmrtment to the CharSty. We welcomed a new trustee in February 2025 Wlham slin￿r. Sadty, Lady Clither¢e who had been our pr¢Jidgnl for many y•ars and reshjned in 2023. passed Jway on Ihe 10 April 2024. Our rtsgl8toied manager. Emma Sotrell had a period ol illne0• Ot the beginning 012025. whKh led lo Cmm) being h05pitali8ed and allhough she dhd try to rebJm lo woik. rt proved Impossible. and Emrn8 left us in May 2025. W& wish her every success In the lulure. ￿ have been very fortunate to re￿ace with MKh?11g Stephen50n In August 2025 and Sho IS 31ready pioving ￿ be a great asset to ¢he t¢arn. Our dementia group 'T1￿ for You, at West Bradford conbnue$ lo be a ¥ucce$3 and ￿11 8ttended. We now only ruTr 8 morning $e5sion. wilh tealcoffee and cake and a range ol actNd￿B. This became necessary due lo lack of funding. Vve ttJntinu• to receive lunding Irom Ihe Clrtheroe and Di$trid Nursing ASsory0￿n to fund a Carer Support Vvorker to monitor the door in order lo watch d*nts coming and going for theii safety. We have successfulty launched 8 new ￿bSite in the year. Ril)bleV8lleycros$ro8d$co￿.w.utt. ￿ sllll need lo pd•le wm* of oyr photo$, but a look and lei us know what you think? We ¢onts'nue to receive donalion8 Irorn kKal orgaThisations and h8d another suc¢essful Quvi in Novertjer 2024 and Iso h8ve a sleody income from our '20￿1￿b,. We are also vw grateful lor a grant receNed Irom Ribble Val g?rou9h Counol, wthich helps lo the costs ol ouf In Such a njfal area. We are lacing even more chalknges in the new finanoal y•ar 2025126 with the Inueage In employers Nl and National Minlmurn wa9e INMW). I fear a very tOLwh yea¥ ahead bul we are ready. I would like lo Iharsk our deilicated staff. Twstee8. 8UPPOrtefs and donors for their help $￿POrt throughout the last year. Wrthout this none ol our valued 5er¥ices woufvJ be F¥x8fjbk. Long may It CA)ntsnue. I commend this report lor 2024125 to cwjr nxmbern ar￿ supporters. Grace Hore Chairperson Oclober 2025 RIBBLE VALLEY CROSSROADS CARE TRUSTEES, REPORT (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 Con8tltutlon The CL￿panY 15 a registered Chanty number 1171x114 and was %1 up by adoptKin ol a cons*'tubon of a Charrtab$8 Incorporated Organi5aiion whose onty voting rnern￿ are Its Charlty Trustees elle¢t from 1 Aprfl. 2019. Bo•ryl ol Man4gem•nt Ribble Val* Crossroads Care Is governed by a Ixjard of volunteer Irustees and in line with the Charity's Conslitution. The rnana9ement of the company is Ihe respoTrsibilty of the Try5t*s who are elected arnl cwpled under the terms of Ihe Constilulion. The Board rneets every 3 months and where appropriate additional meeting$, or $uWroups are a￿￿ged. Day to day operational managemenl 15 d*ated by the tIU5tees to the registered Manager. The 8oard recognises the need for souThJ suc¢e88¥)n pIafin￿g and conknues to keep Ihe pool of potential Trustees under scrutiny lor suilabk recfurts. ObJe¢tlvM and •¢tlvlti Rlbbk val￿ Cr055foads Care piorrths, offer5, sUpp￿ts and dehers hwJh qualty 59rvices for carers and people whh Ca￿ needs in the Ribbl• Valley. A c8r8r is defined 85 sorneone who $peTh1$ a $tranifKant proporfTron of their lrfe prov￿1￿9 unpaid wpport lo famlly or friend5. Thls could be coring for a path¢r or friend who 1$ ￿, fral, diJab*d or mental health and Substance mlsuso probkni5. We b81.eve thal.. Carers deserve lo be off¢r¢d prathal support lo red￿¢ Ihe gtre¥¥ 01 cprkng ond lo be respected aTrd ¥81ued for the care they pro¥￿e. As a charity, Ribb￿ Val* Cros5ro8d5 Care must guard its fve9dom lo folbjw its idgnllfied obhdl¥e¥ and nol b8￿me 4n Jrm of lo¢Jl 9overnrn*nl. H*h Oualily 5UPPOrt is e8Benb'al. 8y thi$ we nvn.. Delivering a range of ￿r¥￿$ whth meel Carew¥' rKed¥. Ensuring 8 highty trained and Thjlivaled learn. Achieving Intem￿ and exlemal quality assurBnc• 51andard1. Conunuing innovation to rr￿1 changing needs. Committed 8nd satisfied siaff. tru51ee5 and volunleer5 ar• th• tore Ol servi￿. E¥eryone involved the organi$alion must be valued and treated wth respect. Our aim 13 to give Carers lime to be themsefves as well as to support 1ndN￿￿al$ who need cartng servlces. Tne trusiees review the aim, objectives and aetsvth.es ol the charty e8ch year. This report look5 at what the charity has achieved and the out¢orTie5 01 its W￿rk In the reporting perKMI. The tru51ees report the success of 8ach key actwty and the benefits the tharty has brought to those groups of people that rt 1$ set up to help. The ￿vIeW a150 helps the trustees to exertsse their powets in Ihe lulfilmenl of th*r duties that the charity's objective5 and ciwrties rernalne(I focused on Ns staled purposes. In setting objectives &nd planning lor aciNit￿$. the Trustees have gr¥en ¢Jue consKleration to general guhl8nce published by the Charity Commission rdaling lo public benefft. Our objeclves are.. 1. to rel￿¥0 the stress expWier￿ed ty rArers 8Trd Peop￿ with physKal, mental and sensory impairment within the farnity or by offering a re5Plte service. 2. to deliver, rnainlain and monitor 8 high Standard of support and care to enable people to live 88 independentty as possible in their own ho￿￿5. 3. to avoid admission to hoswtsl ov ressdenli31 care of the person should a tweakdowTr or other failwe occur in Ihe household. 4. to reduce S￿la1 i501alion. 5. to 5upplernent and complemenL ￿￿t to ￿p￿a￿. exksting StaiErtory serv￿ and to work closety with staiutory Authorities and Volurtsry oTganI5at￿￿5 having Similar obJ'ecii¥es. RIBBLE VALLEY CROSSROADS CARE TRUSTEES. REPORT (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 Our val Ribble Valley Crossroads Care places carefs and Ihe peoF4e Ihey support at Ihe heart of everything we do. Qualty - we ensure that OW 5ervKes are hyh qualty. ￿Xi￿e. resp)n5Ne. pfofe5sional and continual irnproving. Respe(a- we a￿ayS treat carers and Ihe peoKrfe they suprth wrth dignty and respecl. Inno¥ath)n - we advety ex￿0￿ Opp(mfvn￿es for e5ta0115hing F)Int projects and relavonshlps Wllh other organi6ation¥ that wll Improve ser¥if*$ lor carers and the peop* Ihey support. Compa88ionale- caring and empathi5ing with &grer8. their la￿lIeS and the people they are for. Tru51- we understand that wr 5eryThs onty respond to carers. need5 when Ilw tnjst us to care for the person they support. Skllle¢J - we bel*¥e tho1 0￿r staff can care the besi when they are o)mpelent. confident. kTh)W1ed￿ab and undernland the health and socwl care needs of Ihe people Ihey are $upporb'n9. The business plan a five-year Per￿ 15 revIe￿d fegularty, io take account of carer need5, 58rv*8 devek*pments End changes in legislation and regulation. A major review of our strategic pLqn and business pl#nnlng took plac8 In the year 2023 and the annual implemenlats)n pian updated In March 2023. Achl•v•m•nl* Ind p•rfomi•n¢• l. Home Carn P•r¥onal Servlc• The number of direct home ¢8re hour¥ prowde(l in the year was 20.711 an avernge of 398 hour¥ per week compored to 420 hour5 per week in 2023r24. 8 decrew of S%. The Income per dlre¢t core hour wo8 £2S.021£22.39 ￿ 21Y23tt41 an inCr•￿e 0111%. Over the year approx. 1c#J f8mllies recewed support. We support on average ￿ lam4*s In any one month. Our C8rer Support Workets 5UPPOrted peop￿ with ages ranging frorn 17 right Ihrough lo 90+ years osa. Supportls designed wilh th* person who needs our support al the cenlre. We work logether to identity the outco1￿5 th8 individual wants lo athitr¥e and idenb.fy how we can accomplish these. Our assistance can range from helping someone to gel up. washed. dressed and make breakla51. to helping wilh med￿81￿)￿. providing companK)nship, 8CCQTnpanying on oubn9s, ovornvJhl care, r&hab￿lia1￿>n, end ol lile 5UPPOrt. 2. Th• Partn•r•hlp For delivery of support Ihrough Lon￿$￿1re County counc￿ Leamkng Disabilty Fr8mework we have supported 10 Individuals throughout the year. We have also worked in partnernhip with Irwn Mitchell Sokitors to provKle c*r• fi)rone Indivklu81. 3. Meetfjng the nee(l• of the l*x•l ¢ommunlty OL+r Time 4 You ￿MMunity projecl has run SUc￿$S1U1￿ throughcwjt the year. Ribbk Valley Crossroals ca￿ also runs two n￿nt￿ty lunth dubs. a wT*n's gmup On￿ a month and a week outdoors group for peop￿ living Demenb"a. in partnershw vrith Outdoors4￿1. 4. au•liiybs EIfiGlenGy and Sutst•lnablllty We continued to rev18w and restrncture wr tearn to rrt current and fvlure business needs. We continued io carry out C05t cutbng exerases in mafi&Jerr￿nt processes to redu￿ cost 8fid irbcrease efficiency. RIBBLE VALLEY CROSSROADS CARE TRUSTEES, REPORT (CONTINUED FOR THE YEAR ENDED 31 MARCH 2025 Funds held as custodlan trust8• Ribble Valley Crossroads Care is responsible for managing pers(ffial biidgets for a dient. These fvJnd6 a￿ hehl in 8 88parate client bank account whKh are recon0￿d monthty but do not lomi part ol th8 Ribbfe Valley Crossroads Care management accounts. The accounts are audrted by the relevant aulhorfty responsible in the cu￿ent case, the NHS. Quallty A￿urance We are regi$leied with the C8re Oualty Cornrnis$ion. th were inspected in December 2023 and we have retained our 'GOOD' rating across all key bne5 of enquiry IKLOE'51. CQC have been kept informed regarding our change of slalus lo a Charity Incorporated Organi5alioTh. Using the CQC frarnework 015 key line$ ol onquiry IKLOEI. the lollowing 15 8 Selection of comn*ntslcompliments receNed in the year under ￿POrt. SAFE Key S8feA¢c•ss Concems and Resolulkn Access lo the key safe was inilkqlty k)cated through a WC￿den gate, bthich required the care tearn 10 Stretch ovèr to 1816a5e Ihe lalch. There was no security lighling in Ihi5 are8. and the house is srtualed on a hill. exposed 10 8 weather condition5. Rtptated eonctsms were raised by the care team regarding the drfKuny in ac￿$s1n9 the key $altr, as thtr gatè dld not o￿n easity. Alth¢)ugh the dienl's lamity were inth.alty reluLtsnt lo reltrcale the key safe. they arrange for the gale to be adlusled. However. this dKI Th)t f&￿1ve Ihe attes$ issues. Th• care team Idenlffjod a much more surtabk hxats)n lor Ihts key sale. and this leedb*k was shared wth the cllent ond her lamity. Fo1￿41n9 this dis¢ussK)n. the key sale was rek)c&ted to a dlwete. nw)re acces8Sbl& area under the exislng 8ecurSty lightlng. signlficanlly Improving ￿ceSS for the care leam. Real-fme Monllodng TAG Dashboard- TAG, our electronic client dalabas•. irthdes a reaktirrn dashboArd function Ihat stspports INe mon+torlng of cam delivery. A large scieen has been installed in the office to activety display this dashboard, allowing seniof carè cooid*nators lo oversee care runs a5 Ihey happen. This syslern enables early identification of any interruptions or de18y5 in care delivery. 11 ￿3Y5 8 vital role in ensuring the safety of our care le8m. particularly while lone wothing, 8nd helps to confirrn thal d￿nts aro le￿Ning thew SChedu￿d care in a and eff8cIi¥8 manner. EFFECTWE Developmenl of Rosler System and ShtitAllrtabon- Uver lime, a rosie¥ $yslem has evolved in which client vislt alwbons are planned tyased on the 8vail8bilily of th¢ care ¢eam. Currentty. Ihe orgarsisab'on does not provide guaranteed ojre shift hours to 8UPPOrt consistent and effective planning of client visits. To address this. a defined shrfl pattern has been devehped. strored with the care tearn, and agreed upon. Moving forward, client runs will be pL8nned In alignrnent wrth these assigned shift p8tterns, Ih visit allocations cOrnn￿ncIng frorn Ihe slart of the carevs desur￿led $hrft. This Structured approach aims to improve continuty, reliatM'lity, snd effioenry in 5er¥Ke delivery. RIBBLE VALLEY CROSSROADS CARE TRUSTEES. REPORT ICONTINUED FOR THE YEAR ENDED 31 MARCH 2025 CARING Vve prSrte outsefves in receivSng ￿￿￿"p￿.￿0nk you cards,. 'Just a note to thank am the carers who to h* P- much appreciated. and treat him wrth great knndne5s and ￿speCt. 11 1$ very 'We want to say thank you to everyone that ha5 hewl GFAn. She a%vay$ spoke of Ihe earers vlth thdne$8. It meant a bt lo her.. 'Ple8se accept our ¥incgr8 thanks for your ca￿. lx)Mpass￿ and ￿)mpan￿nShip over the la8t year. You rnade P05sible for R" to Spend his kgst year ot wrth hi8 wrfe ond $uThowthd by all he k)ved. This 15 mu appreciated. . Is so ploased wlth us all and I cannot than you al enough. You wper5tsr¥.' RESPONSIVE Timely and Appropriate Re8ponse8 Client feedback is very important lo u5 and in retum we valu• wt can dernonstrale how we respond to Ihll Infomiallon. Personal check ins wth our do ostabhsh insvJht into our dienls fo*1 about the care th8y receive. We record this inforrnots'on direclty lo the dienis record S￿1$ and Teoue$i consent to share wider when there 1$ opportunity lo develop or impiove our servKe wilh Ih• $IF￿AUr& ol'you sa￿, we did.. Staff Communlcallon and Feedback Pro￿SSe Wo malntain r•gulAr and opan communKaiK•n vrilh our care tg¥m through • $tnJc￿r0d ¥ppro•th th•t #upports te8m engagernent and sh8ffjd ￿amIng. Our weekty 'Friday Roundyp, email wrves as a key wmmunkaiKJn tool. prowdlng". Gene1￿ updales Irorn the week. Feedback on any ch811enge$ exPe￿nce￿ and tw We￿ re8ofve(l. Important organi5ation81 news ond rerninders. This ensure5 that am stall recetye consistent infOrn￿l￿)n, plor￿t&S transparency, and helps to ranfoice a learnlrKJ culture across the team. In addrtion to the weekty updales. ￿ hold a [￿nIhty l3ce-to-la￿ tearn meelng on the last Wednesday ol each month. Wl $tsff are invited to aitend and ccntribute lo the 8genda in advance. This gives the team a regular opportunity to raise hlea$. diSCLt5s concems. And take part in cdlAborative pioblÈnNsolving and seNlce Improvement. WELL￿ED Scheduled and Evlt1erthBased RevMv¥- The senior care team trad( ¢are reviews with a worknng excel d￿rr￿n[. conducts ￿re plan reviews at wular, structured intervah to enswe care remains per50wntred, th. tesponssve. These reviews a￿ schedubd as follows.. .8ix wp.A*x fnlknwino Ihp. inihAI Asse5smtnl At six monlh5 and ts¥eWe n￿nIh8 thereafter S¢)onei 4fthe￿ k% a charwe In the dienf8 need8 or U￿rn81arKes E8ch review is fvlty docurnerbted, dated. and recorfs who was ￿¥01￿ ￿ the pror*$s. We prioritise involving the client and their famity wherever possible, encouraging open feedba¢k on Iheir experien￿$ ￿￿th our care team. The client's personal goa15. wishes. and leedback are clearty do¢umeTrted and reviewed as part of the prrxe85, ensuring care remain5 aligned with their p￿ferenceS and changing needs. Thts ie¥iew structure supports our commitrnenl lo delivering high-qualrty. per50nalised care and refiects a we14ed approach to continuous seryice improvernent. RIBBLE VALLEY CROSSROADS CARE TRUSTEES. REPORT {CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 Local Quality Evalu•llon The f ndings from August 2024 quafity assuranr* qu8slitinnaire were very p05th with 97% of respondents rated our seryice as excellenV¥ery good. Our annual quahty assur8r￿ questionnaire is set lo t* distributed to all Ihg famili8$ that we Supwrt in August 2025. The findings from Aug￿512024 quality a$$urance 4ue5tionnaire were very po$lJve wllh 97% 01 fespofi¢Jents rated our servTh as exceleTrVvery gcx)O. Our annual qu81ty 885ur8nc& questionnaire is 8et to be distributed to all the f8mS1*s thal we supp)rt in A￿a￿$t 2025. Rl•k conducted a review of our Imjskness rtsk assessm&nt vthKh anaty50d the Wential nsk to Ihfr ¢h¥ty across fiv key areas. finance, governance. 8er¥Mx. wple and f4uality. The Finan0￿ in51Nction$ We￿ rev￿¥￿1 and amended n March 2022. Internal finan¢lal risks ale mlnlmlsed by tho maintènarK• olstrid procedures lof I. lus5 2. authorisallon of Ir8n8action$ 3. checking limesheels and expenses 4. regular scrutiny of Finanual Polititis And Man4ernenl Aix7)unt$ ty a Flnance Sub Commfttae of tha Board ol Management . regular Finanoal Reports to Ihe Board ol Manag0￿￿t at bimoThthty interval8. External risks.. The Iruslees and manager woth lo ensure Ihal commissioners of ¥er¥￿ ale aware ol the financial pressure5 of providing a high quality ser¥￿e ￿ a rurnl area and in pre5er¥ing financial viability, induding sebctive tendeiing for indy$K)n in the Learning Disa￿1￿ 8ThJ Aullsm lrnmvwork Arrange￿￿nIS lor fvture procuremenl ol tlomjcil￿ry Care by Ihe Larv$hire County Counril. Rlsks to cll¢nt¥ 8nd farniles are as8es8ed and managed th th• rncruitsnenl and ￿an syslems by.. appIl￿tKIn of high $tsDdards lor Staff fecnjrtM￿t DBS checks ensuring ¢on$i8lentty hvJh quahty of delivery 8eNK• routine risk asse$$ment al Ihe d*rrts' honw pTh)r to delN•ry of st￿1¢* • considerate plannin9 of care lo Ihe needs Dlthe lamity a5 a who scrutiny ol Yeh￿Ie insurance where care In¥olvesioumeys for the cared for per • staff training in p8rticuLqr safeguarfing chihlren and vulr*rable 8dullS. a￿￿1¢allOn of Ribts￿ Val￿Y Crossroads Core pr￿edu￿ to all our woth. ap￿1¢#I10n of Ihe Equalty Act 2011 8pF4catlon ol ¢ho CareNA 2014 and Men*1 Cgpa•Aa 2fJ)5 Voluntary H•lp The s¢heme 1$ governed by a voluntary Board of Tru5lees. We olso h8¥e 8 $mall group of Vohjnteers who help wth development. social and lundraising ad￿rt￿s. Flninel•l r•vlew The Staternent of F￿an￿81A¢llvltle$. given laler in thLs ieport slvm." 2025 2024 Unrestricted Funds Restricted Funds Total Funds Net inc0mellexpenditu￿} £205.567 £ 12,521 18.088 £148.8071 £243.989 É 22.9 £266.895 £112.7281 RIBBLE VALLEY CROSSROADS CARE TRUSTEES. REPORT (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 For variou5 rea50n5. the 12-nx)nth perwjd ending 31 March 2025 wa6 an extremety eth81￿ngIng one. At the outset. we had budgeted to prov￿le over 20,800 care suprKJrt hours, whith was down on the previou5 year, 8nd we fell short of thi$ target by over 200. However, we were able lo generaie over £16.000 worth of direLI inujme than expected from these hours, due, in th8 main, by an uplTrl in the charge out fates lo our private thnts. which becan effecti¥e in May 2024. Unlortunatdy, the knss ol a larg¢ and lonfrstsndiThJ personal carB ￿lIraLl. in the 5ufflrver of 2024. tD an indireGt Income shortfall. olapproxirnatety £16.C((l. i) adrinistsative re¢harges. A5 in recent years. Ihè slle of the increases to Nats"onal Lwing Wage rat¢¥, whth carre into effe(l in April 2024, meant that we had to $ub$tanb"ally lffl our staff pay rates in order lo r8mBin competitNe in Ihe labour rnarkets Ihoul doubl. bolh staff wruilmenl and relenbon rernain as hugp challenges. but we afv•ay$ airn to offer the best overall rernun?r8tion package trj an staff. HO￿Ver, wth 5t8ff tosts making up ¢he lion's share of (xji rmnlhli operation81 expenditure. Ihe wage increa5•s Imp￿rn•￿￿￿ in Aprll 2024 lffted our overall costs to I￿elS that were above our aver8ge mDThthty income. The outcome for the yearwas an oper8lk)nal defic* of just over £30,IM. wh6ch had a 8ubBlantHI doIn'￿￿ntaI Impad on our r•s•Thfes and. dearty. Ss not Sustair￿ble in ihe medium term. •lone long term. A5 8lr8ady menb'oned. we were, orKe again. txtremety gratehjl for the ongoing $UPPQrt received frr*n Ribble Valley Borough Councll. The awafd of an annu81 grant. Ihis year of £20.￿, whth wa$ up from £18,000 in 2023124, was crucSal and will be so lof the luturt provi$Son of our seryice8. In addition to chargeablo hours, wo did providts around 1.200 'free￿I￿aTre, ¢harilable hour$. These were mainly provlded lo the "Tlme For You. Ser¥￿e. In total. hJnth"ng from a prior National Lottery grant and donats'on8 from our supportef5. prowded lunding of a1rn051 £49,COJ over the year. Expendrture was around £69,500. Thi& meant that tha total in our restitted lunds fell In)m around E53.CW at the slart of Ihe yeo1 to just over £32,000 al the ¢nO. As olwoyN, wo ￿711 do our bcgt lo With chAfit&ble seThke8 provided to our kxal community though the financi81 challenges we ill doing this appear to inueaso with every year. Fln81ty, 8ddition81 incon* 01 £2.175 from our draw '2OJ Club.. £4.361 from In Menv)rfAm donalon8 and Legecies plus £911 form fundraisin9 a¢￿VitIeS hew ts boLsw tyjr reserves. ￿ also monaged to g&n•Fat• over £1,2(X) in bank credil interest. Despit¢ the rnagnilude ol Ihe operation4 defiral lor the ytai. our msew. In the opinknn of the Trustees. and In relalive terrns. remain sufficient lo see the organisation through any short tem) drfthlues. Howes*r. ¥kJilan￿ needed lo ensure that the chanty'5 financkql Siluat￿Tr is not ￿MProMised by lurther lo$se$. Re8er¥es Pollcy Unre51ricted fund5. not committed or Invested th tanglble fixed assets lfree ReseNesl, indude 3 month's expenditure, which equates to around £140.CI)O in general fun¢$. H(pNever. this is dependent upon the hours worked wilhin ￿ year. RIBBLE VALLEY CROSSROADS CARE TRUSTEEV REPORT (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 Ribt4e V• CltthorD8 Trnly Chw St ￿￿*￿e1 aTrJ St J￿n Lth Iltherc¢ Rotary Ck Clitheroe lions Th¢ Phy5K)th8r8pyTr s￿pIon BUlk￿r￿j S(¢bty Mrs P m￿1¢ M WL88maD RHOW Pr4ikni. Chair RIBBLE VALLEY CROSSROADS CARE INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF RIBBLE VALLEY CROSSROADS CARE I report to the trusiees on my exarTMrbaiK¢n of the finaKal statements ol Ribble Valley Cro55road5 Care It chartyl for the year ended 31 March 2025. R￿pOnsIbIl￿1*S and ￿¥14 of report As the trustees of Ihe chaiily you a￿ resrM)n6d)le for Ihe preparabon of the finanaal 61alemen¢s in ac())rd￿¢$ wrth the requirements of the Charities Act 2011. I report in r¢5pect of rny examInat￿)n of Iho charity's finanaal staterrnnls carTied out under seetlon 145 tsl the Charitk85 Acl 2011. In ¢arrylny out my examinakn.on I hav* lo1￿*d Dlrtdon$ gl¥en by the Charty Commlssion under section 14515llbl of the Charitse$ Acl 2011. Inde￿ndent oxarnln•rf• ¥tatsrn•nt Since the ¢harily s gross income exceeded £2SO,CW. lh¢ in￿Penden1 examiner be a rnernber ol a ￿dY listed in $ection 145 of the Charibes Act 2011. 1 confirm Ihal l arn qualrf*d lo und•rtak• thè examination because l affl o member of ICAEW. whkh Is one olthe IL8tsd bodles. Your 8ttenUon 1$ drnwn to the fact that the charty ha8 prepared the finanoal 6talen*nts In acwdance with Ihe relevant version ol the Ststemenl ol ReC0mn￿Thded Pracbce appluljle to (thrits"es preparing Iheir financial statements in accordance with the Finan¢Kql Reporb'ThJ Stsndard applicable in the UK and Reput￿1¢ gf Irekqnd IFRS 1021 In pleference to the Accounting and Reporting by Chantss. Ststement ol Recommended Praclir issued on 1 April 2(X)5 wh￿h i¥ refrrred to in Ihe extsnl re9uk81K)ns but ha$ now been vmhtjrawn. l understand that this has been done in order for the finarKaal 51ateThnls to pro¥th a Irug and fair view in Keordance with UK Generalty Awepled kcounting Pradice. I have completed my examinotion. I confimi Ihal no mallers have ¢om• to my attention On connectkjn vAth th• examin81ion glving me to believe that in any material respecl. ac¢ouThiing record8 keo In ￿Spea tharlty a8 wulred by 8ecOon 130 01 the Chadlle8 Act 2011. the financial staten*nt$ do not Accord bwth Ihose records, or Ihe financial Slate￿*￿tS do not compty wrth the applicable requirements conceming Ihe forni ènd content of financial staterr*nls set out in the Charl￿8 (Accounts and Report$l Regulations 2008 other than ar requiremenl that the financial staterr*nls give a and fair ¥￿, wthich 15 not a m8tt•r considored a¥ part of an independent examina￿.0￿. I hMv• no eoncerns and have come other matters In connect￿n wth the examinab.on to whlch attenuon should be drawn in tNs feport in order to enable a proper utKlerslanding of the financial $laternents lo be reached Signed.. Oean Rodger$ ACA PM+M SolutlOn5 loi Business LLP Nev4 Century House Greenbank Technobgy Park Challenge Way 8lafjKbu 88150B RIBBLE VALLEY CROSSROADS CARE STATEMENT OF FINANCIALACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31 MARCH 2025 Unre•trl¢t•d RMtrl¢t* lund¥ funds 2025 2025 Totsl Unre8trthd Re$tncled lunds funds 2024 2024 Total 2025 2¢Y24 Not•• Donation5 and legaaes Charrtable a¢ts¥ilies Other trading acbvth6 Investmenls 4,275 526,153 3,518 1.210 40,611 44.886 526.153 3.516 1.210 8.140 534,057 61.217 69.357 534.057 6.561 Totsl In¢om• 636,164 40.611 676,765 548,758 61.217 fA)9.975 Cha¥it8ble activit*s 559,526 65,016 624.5T2 543.835 78.868 622,703 N•t outgolng resource8 boforn Iranslers 124,372) 124,4351 148,8071 14.9231 17.651 112.7281 Gross tsan8lers be￿een lunds 114.050) 14.050 Nel •xpendltur• lor ¢hg ye•rl Net movement In lund• 138,4221 110,3851 148,1071 4.923 117.6511 112,7281 Fund belanees 81 i Apr 2024 243.989 22.906 266.89S 239.C 40.S57 279,623 Fund b•lan¢M •t 31 March 20Z5 205.567 12.S21 218.088 243,989 2e6,895 The statement of ffinon¢io1 activtties irKkwJe8 al g￿Trs and h)55es recogni8ed in the year. Al incDrne and expenditure dedve from conlSnulrvJ acts.vili￿. io- RIBBLE VALLEY CROSSROADS CARE AS AT 31 MARCH 2025 118 157 1$ 59.171 241,155 Cash at •i 1na73 ￿￿.326 on• y•w P3.5881 X7m 266,n8 208,895 17 243.9 2fj6.895 2911012025 Chalr 11 RIBBLE VALLEY CROSSROADS CARE STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 31 MARCH 2025 2025 2024 a*h flowrJ from operatlng actlvfi¢le• Cash lab50rbed byygeneraled from operations 163.9921 16.740 Invol￿n9 •ctlvl¢l•• Inveslment kncome r•c•iv8d 1,21Q Net C4sh g*n?r•t¢d Irom In¥Miing •ctlvltlo1 1,210 Ngt ¢a•h o•n•rnt•d from financlng actlvw N•t Idfr¢r•as•lllncrnaa• Sn ¢••h •nd c••h •quIvAl•nts 162.7821 16.740 Ca$h and calh equfvalonts al t*9inning of ye 241.155 224,415 C••h and ¢a•h •qulvahnts 4t ond of y•Ar 178.373 241.155 RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025 Accountlng polkle• hadty Inlomiatlon RSbble Valley Cr05sfoads Care is a thantsble In￿r￿[aled 0ryanis8t￿n regi*te￿ at the Charty Commission for England and Wales. 1.1 Accountlng ¢onv•nVon The financial statements have betrn prepared in aco)rd￿ %bith the tharity's goveming I*)￿￿￿nt, the Charrties Act 2011 and -A¢counts"rvJ and Rep)￿r¥J by Charitsv5. Statement of Recornmended Piacti¢e applicable to Charit￿8 preparing thew attounts ￿ accorda￿ YhUTr the Fin8naal Reporting Standard applicable in Ihe UK and RepuNic of Irelgnd IFRS 1021 leffecbve 1 January 20191". The tharty 1$ g Publ Benefjl Ents"ty as defined by FRS 102. Th? ch&rty has laken advantag• ol Ihe wisb)n5 kn the SORP fv)r th8ribg8 apptying FRS 102 Upd•ts Bulletin 1 not lo prep8r¢ a Slalement ol Cash FlThvs. The finanubl $t8temenl8 are prepa￿d in slerling. whKh 1$ the funcbonal currency of th• charity. Monetary arnouThts Sn the￿ financ￿ $tst•m8nts ore rourKled lo th? r￿rest £. The financial statements have been pr•par•d undèr Ih• h1$to￿al ts)st eonvMtion.Th¢ principal aco)unUng poIKles adopted are sel out belthv. 1.2 Golng ¢oneèm Al the 11me of approvlng Ihe flnand81 ilat•m•nts. Iho Iwust•e5 have a r8ason3bb exFe¢tstion that the tharity has adequate re$ource6 to conlinue in op6ration81 existence ftsr the fore5teable futur¢. Thu8 the Iwslees onts'nue lo adopt Ihe goirvJ o)ncem basis o18c¢ounting in preparing Ihe fina￿al 5taleTh*nl$. 1.3 ¢h•rltabl• lund• Unrestricted funds are a¥ailalJle kjr use at the dlxretion ol the trustees in fvrtheranc¢ of Iheir charrtable obj'ectives. Restricted funds are $ubjecl to specthc condrtN)ns ty donats or grantors as lo how they moy be used. The purposes and uses of Ihe restrK¢ed fvnds a￿ set out in th• not•$ lo thv financial staternents. 1.4 Income In¢ome is re¢ognlsed when the tharrty is ￿galty entiw io rt after any ￿rformanCe condltK)n$ been mèt, tne anv)uni$ can bts mvaured velkqbty, and rt i& probable Ih8t ino)n* wll be f￿1Ve0. Cash dtsnaliolls are re￿nised on receipt. Other donalK•ns a￿ reo)gnised once the charity has been notified of the donation. unless perfoffTrarv ￿nd1￿"0r$S require deferral of the amount. Income tax recoverable in relation to donat￿n5 received under GrfiAid or deed3 olco¥enant VJ ￿nised at Ihe time of the donation. 13- RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS ICONTINUED) FOR THE YEAR ENDED 31 MARCH 202S Accountlng P￿1£588 Icontlnuedl 1.5 Exp8ndltur• EXpend￿tUre is recognised once there is a legal or constructive obligation ￿ transfer econom¢ beneftt to a third party, it 15 probat48 thal a transfer of 8conornic bpneffts will be legul￿d in 5etllement. and the amDun¢ of the obligation ¢>n ￿ measurÈd rÈllatrty. EXpendItu￿ Is ¢lassthetl ty acli¥ty. The co$¢s of e￿h athity a￿ made up ol the total of dIr￿t costs and shared costs. including SUPPOrt Costs in¥ol¥ed in Underta￿Trg eath actwty. Direct costs altrib￿a￿le to 8 5ingt* acti¥ty ar8 alk)caled diredy to that activity. Shared c051s whth conlribule to MOQ than one actlvlty and 5UPPOrt CO8ts which ar8 not aitribulabb& to a single *ivty a￿ apportioned bets¥eeD those activi1￿$ on a basis EOll5i51ent the use ol re50Urte$. Ceniral slaff costs a￿ alk)caled on the basis of ts'me spent, 8nd ¢Jeprets8tion charges are alk*ated on the pNtK)n of the a86ets use. Exptrndilure is recoonised once there is a leg￿ or constsucbve obligebon lo tran$fei e￿nOrn￿ benefit to third p8ty, it Probab￿ that a transfer of economk benefits be iequired in sewemenl and the amount of tho obligDtk)n bo moosvrod rcli4bty. Expcnditurc is dossifi¢d by activrty. The costs of tsach adlvity are made up of the totsl of direct costs 8Thd 5haied costs. induding support Costs invtslved In undertaking each 8di¥ty. Dired w$ts atlributabte lo a single activity are aIkX￿ed directy to that 8cti¥Jty. Shared costs which contribule lo rnore than one actNity and support Costs whKh ale not attributabje ￿ a wngle acb.vity ale apporth?ned be￿een Ihoye activrties on a ba515 consiilenl with Ihè use tsl r•sourc68. Support eo8ts Ar• those costs intyjrrnd directy Sn supwl of expendllure on the oblects of the company. Govtrnane• co81$ are thos• Incurred in eonnedw)n wrth admin1$trnt￿n ol the o)mpany and compliarKe with con51itutK)n#l and slalutory r•quirements. 1.8 Tanglbl• fixed a85•1• Tgngible fkxed assets are inftiafy ￿asUre￿ al ￿$t and subsequently nw86ured al cost or valuation, of depreciatson and any Impalin￿nt b$ses. Oepreamtion is ￿COgniSed $0 8$ lo wnle off Ihe cost or ¥8hJotlon of Ogsets leB8 ihelr resldu81 v?lue$ over their useful t￿e$ on the follo￿n9 bases.. Fixtur•8 and IttUngs 25% feducing balance Thè gain or 105$ arfslng on the dlsposal of an asset 1$ delermlned as the dmerence beNveen the pale proceeds and the carrying Value ol the asset, and is recognised in the ststement olfinancial acts"¥ilie$. 1.7 Ca•h and Cash equlvalenls Cash and ¢a$h equivalents indude cash in hand. deposrts hehl al call ￿th banks. othei 8hort-terrn liquid inve$tments wlth original maturit*s of three n￿nthS or Jess. and bank overdrafts. Bank overdraft5 arg 5h¢)wn wrthin borrowin99 in Cul￿nI liabilit*$. 1.8 Flnanclal In81ruments The charty has elec¢ed lo appty the provIs￿n$ of Sedion 11 'Basic Fina￿￿al Instrurnent5' and Section 12 'Other Fin8ncwl InstNment8 1ssue8' ol FRS 102 lo all of its financ4al iTh¥lruments. Financial Instruments are recogflisell In tne cnffj'5 Da￿nce sneet wnen ine cnamy Decorne5 patty 10 the conlraclual provi8ions of Ihe instruff*nL Financial as5et5 and liabi1rt￿5 are offset. with the nel arrK)unts pie5ented ITr the financrdl Statements. when there is a ￿galty enforceable right to set oll the recog￿lsed alr￿Unts and there is an Intenk)n lo settle on a nel basis or to realise Ihe a55el and 5etUe the liabilty simuttaneousty. 14- RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS ICONTINUED FOR THE YEAR ENDED 31 MARCH 2025 A¢¢ountlng polkfie• Icontlnuodl 8•si¢ fiNn¢i•l ass•ts Basic financial assets, wh￿h include deblors aThJ cash and bafik balances, are ￿nitya1￿ measuied at Iransa¢ts"on price including Iransa¢lion costs and a￿ sub5equenty carried al amortised c05t Using the 8ffae.II¥JA inl6Jf*At rnèthDd Un￿5& thè AfTanggmg_nt r￿811￿11￿*S a f nanrjnts transaction. whère the transaction is measured al Ihe present valu¢ of the fulure receipts di8counted al a market ¥ate ol intere$L Flnancial assets dassified 88 receivable wrthifi on8 year are not arnorti¥ed. B•sl¢ Iln•n¢l•l Il•blllllo* Bask f nancSal Ikabillties. induding credrtots and bank kjans are initialty reD￿nised at transaction pfice unles$ Ihe arrangement ¢onsbtutes a financiry tsanSacl￿n. wherv th• debt Inst￿￿nI 15 rneasured at tho prn5enl ¥8lve of the future payrnents discounted al o rnarkel rgle of interest. Flnancw I￿[lI￿e$ dasslffed as payabkl ¥wthin one year are not amrtised. Debt Snslruments are subsequenty camed at wst. the effedve Intérest rat• method. Trade credi1￿$ are obligatlons lo pay for g¢)ods or seThk61 that ha￿ been acquired in the ordinary course of operallons Irorn ssjppllern. At7￿￿nIS payabk arts d8ssrf￿t as current Iiabililie5 il payment is due within one yeai or ￿$8. If not, they are presented as Th)n-cuffenl l￿bilIt*s. Tiade uedilofs are recogni5ed inits'ally at tr8nsacbon price and sub3equentty wsured al anN)rt*ed cosl using the effedve int•re51 method. I￿OgnItIOn olfln•ncl•llthbllltt•s Flnancial liab4SUe3 are ¢Jerecognlsed when the chairty's contracbjal oblvJaknni expir• or are dikharged or cancelleil. 1.9 Ernploy•• Ixn•llts The c051018ny unu80d Ihilk18y entiuemeni ￿ f•c￿ls8d in th¢ period kn whi¢h lh¢ ¢mployeg'$ Bervi¢e8 8re ree•iv•d. 1.10 Retlrement benellts Payments to defined benefft schemes Ar• chwged ai an expenie as they fal due. 1.11 L•a8e8 Rentals payable under operatjng knses. inchJdlThJ any leas• ineerrtNes I8ctived, aré charged as an expen88 on a 8tralgM Ilne b8$ts over the tenTr ofthe reknant Don•tlon• •nd legacle Urtrrnstricted Re8trbct•d fvnd• fvnd• T¢)tsl Unrestricted Res¢ricted funds funds Total 2025 2025 2025 2tr24 2tr24 2024 DOna￿on$ and ran 4,275 4.275 8,140 8,140 4V.b11 4.275 40.611 44.886 8.140 61.217 69.357 15- RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS ICONTINUED FOR THE YEAR ENDED 31 MARCH 2025 ¢h•ilt•bh a¢tlvllles Unmtrlctsd Unre%tFlctsd 2025 2024 Carer 5UPPOrt incorne 526.153 534.057 Oth•r tradlng aeUvlti Unmtrietod Unr￿t￿￿ed fund¥ fiJnd8 2025 2024 Fundraising •v•nts 200 Club 911 2.806 3.951 2,610 Olher trèding actNIt*I 3,516 8,561 Income Irom Inv8•tm•nt• Unrt¥trfet•d Unrestrlctod lunds lund¥ 2025 2024 Int•re$t recaivab 1,210 16- RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS ICONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 ¢h•dtsble actl¥llle¥ 2025 2024 Share of support Costs (see nots 71 Share of govemance costs (see note 7} 621,775 2.797 620.011 2.892 824,572 822.703 An•ly•l• by fund Unrestricted funds R88tncteit funds 6S9.628 65,046 543,835 78.868 624,572 62Z.703 Support costa Support Gov•m•nc• ¢0$19 ¢0•¢• 2025Support C06ts Gov•rnane• costs 2024 Staff costs DePreC￿￿On Travel OccupAncy colts Support cosis 511,077 511,077 39 488.023 486,023 52 24,907 21.618 87,463 24.￿7 21.818 87.463 23.375 66.324 23.376 66.324 Aud51 fetl Accounloncy 2.768 2.7S8 2,640 621,776 2.797 624,672 620.011 2,692 622,703 Included wrthln Support costs are Club eynses 01 £430 (2024.. £5501. or the lolal support and govemarKe costs. £559,$26 12024.. £543,835) ￿lateS to unrestricted fvnds and £65.04612024.. £78,868) ￿lateS lo regtrthl fvnd$. Not movemvni In funds 202$ 2024 The ngt mo¥emont in lund¢ ie ststed after char9inW{uod￿n9).' Fee5 payable for Ihe independenl examinalion of the thalr￿S financi 51alernents Depieriation of ovmed langknle fixed assets 2,758 39 52 17- RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 Tmtees None ol the tru8tee8 lor any Fer8ons ¢0￿Cted ¥wlh Iheml receNed any remunerats)n or befiefrt5 from the tharrty during the year. 10 Employ• averag8 Tr)nthty number ol e￿Wh)Y￿? Ihg year wo8.. 2025 Number 2024 Nurnb•r Employm•nt co•ts 2025 2024 Wages and salarfes Oth•r panihjn eosls 601.845 9,232 478.819 7.204 611,077 486,023 Tolal employee benefrts paid to k&y rnanagen￿t personnel, indu¢Jng enyloyer ￿lIon ￿ntrIbU￿on8 and mileage expenses. 8mounleu• y••r. At 1 Aprll 2023 Incornlng Re*ourtts r••oure•• •xp•nded Tr*n¥ler¥ At 31 March 2024 General lunds 239.C¢6 548,758 1543.8351 243,989 18 Anily•l• ol n•t •M•i* behxon fund¥ Unr••trlcl•d lund¥ 2025 Re•trl¢tsd Ivnd8 2025 Tot41 2025 At 31 March 2020.. Tangible assets Current assetsll1Sal￿l￿**8) 118 206,449 118 217,970 12.$21 205,567 12,621 218.088 Unre•trlthd funds 2024 Re•trfj¢t•d nds 2024 Tots 2Q24 At 31 M•r¢h 2024.. Tangible asset5 Current 8$setsloiabdrt￿I 1S7 243.832 157 266,738 243.989 22.906 266,895 RIBBLE VALLEY CROSSROADS CARE NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2025 f9 Operating lease eommltments Al the reporting end date the charity had outslanding ¢ommrtmBrts for tulur8 minimum lease payments under non￿ncelIable operating leases. whtch fam due as lolknws. 2025 2024 wrthin one year Betr￿n and fivg years 3.3J2 8,687 3,332 3,332 9,999 20 R•l•t•d party tr•nM¢tlon• Thgre were no diKb$8ble ielated paty Iransacllons durfng the yeor12024. none}. 21