2025-06-30-accounts

Trustees’ Annual Report for the period

From 01 July 2024 to 30 June 2025

Charity name: Midlands Housing Charity

Charity registration number: 1180517

Objectives and Activities

	SORP reference
Summary of the purposes of the charity as set out in its governing document	Para 1.17	Midlands Housing Charity was founded in 2018 to promote health and alleviate hardship among individuals with disabilities experiencing financial or social disadvantage. This is achieved by providing suitable accommodation, together with related support services, tailored to the needs and financial circumstances of beneficiaries.
Summary of the main activities in relation to those purposes for the public benefit, in particular, the activities, projects or services identified in the accounts.	Para 1.17 and 1.19	The charity continues to be primarily funded through Housing Benefit provided by local authorities for supported and exempt accommodation. This income is contingent on meeting eligibility requirements, including demonstrating tenant vulnerability and operating on a not-for-profit basis. Throughout the year, several potential properties were evaluated; however, no additional agreements were entered into. The charity maintained its support for existing beneficiaries, including assisting them in accessing Housing Benefit and other entitlements necessary to sustain their tenancies. These activities have enabled individuals to access stable housing that would otherwise be difficult to obtain, while also supporting improved health outcomes through appropriate care and rehabilitation environments. By delivering specialist accommodation for people with physical, mental, or learning disabilities, the charity continues to contribute to the Government’s Supported Living agenda. The trustees intend to sustain and, where appropriate, expand this provision in future periods.
Statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission on public benefit	Para 1.18	In planning our activities for the period, we considered the Charity Commission’s guidance on public benefit at our trustee meetings.

Achievements and Performance

	SORP reference
Summary of the main achievements of the charity, identifying the difference the charity’s work has made to the circumstances of its beneficiaries and any wider benefits to society as a whole.	Para 1.20	During the year, six prospective properties were identified and assessed. Following detailed review, none were considered suitable for the specific needs of the charity’s beneficiary group. As a result, the number of beneficiaries supported remained consistent with the prior period. The accommodation provided by the charity continues to play a critical role in supporting residents’ rehabilitation and longer-term wellbeing. The charity remains responsible for identifying, securing, and, where necessary, adapting properties to meet individual needs. Significant effort was directed towards ensuring that appropriate support arrangements were in place for each beneficiary. This included coordinating services, overseeing property readiness, and facilitating necessary adaptations and equipment installations. In addition, the charity worked closely with beneficiaries to secure their full entitlement to benefits. In several cases, this resulted in substantial financial improvements for individuals and their families, positively impacting their stability and quality of life.
Financial Review
Review of the charity’s financial position at the end of the period	Para 1.21	In the period to 30 June 2025, we recorded an income of £82,155 and achieved a small operating surplus. The principal source of income is rent. Our team continued to operate four properties during the period. This achievement is a testament to the hard work the team puts in and the quality of the homes we source.
Statement explaining the policy for holding reserves stating why they are held	Para 1.22	The trustees aim to maintain free reserves in unrestricted funds at a level equivalent to three months' expenditure. This level would allow the charity to continue its activities for a reasonable period in the event of a sudden curtailment in income
Amount of reserves held	Para 1.22	At the end of the period, the charity held £282 in reserves
Reasons for holding zero reserves	Para 1.22	N/A
Details of fund materially in deficit	Para 1.24	N/A
Explanation of any uncertainties about the charity continuing as a going concern	Para 1.23	N/A

Structure, Governance and Management

Description of charity’s trusts:
Type of governing document	Para 1.25	CIO Foundation registered on 01 November 2018
How is the charity constituted?	Para 1.25	Charitable Incorporated Organisation
Trustee selection methods including details of any constitutional provisions e.g. election to post or name of any person or body entitled to appoint one or more trustees	Para 1.25	Trustees are appointed or reappointed annually at the Annual General Meeting

Reference and Administrative details

Charity name	Midlands HousingCharity
Other name the charity uses
Registered charity number	1180517
Charity’s principal address	Britannia House 1-11 Glenthorne Road Hammersmith London W6 0LH

Names of the charity trustees who manage the charity

1 2	Trustee name	Office (if any)	Dates acted if not for whole **year **	Name of person (or body) entitled to appoint trustee (ifany)
	Kamaldeep Singh Takhar	Chair
	Annalisa Villa

Funds held as custodian trustees on behalf of others

Description of the assets None held in this capacity Name and objects of the N/A charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for N/A safe custody and segregation of such assets from the charity’s own assets

Declarations

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Kamaldee Takhar Signature(s) p Full name(s) Kamaldeep Singh Takhar Position (eg Secretary, Chair, etc) Chair Date 21/04/2026

3A. MHC Trustees' Annual Report June 2025

Final Audit Report 2026-04-22

Created: 2026-04-22 By: K Shah ([e-mail]) Status: Signed Transaction ID: CBJCHBCAABAAJ7FUrKp9qK-vlpYK8K0EqzpZDIMDdZDd

"3A. MHC Trustees' Annual Report June 2025" History

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CHARITY COMMISSION FOR ENGLAND AND WALES Receipts and payments accounts CC16a For the p8riod from 01-Juk24 3(kJul.25 Section A Receipts and payments Unr8Stricl8d lunds Restricted lunds Endowment lunds Total funds Last year loth• £ toth• r••r••tE toth• n•Jr•61E t•th• n•Jr•61£ lo tho n•aro•t£ A1 Receip15 Rgnt Re¢•ived Recha ed watercosts trryn *nanl8 10.B11 8DA11 B1.492 Sub total(Gross income lor AR) 82.159 82.155 81.492 A2 A880t and Investmont sale8, 1888 tabl81. Sub tot•1 Toi•l r•e•lpis 82.155 12,18S 61,492 A3 Pa mént• 79,92S 79,925 1,9BQ AccouThia BBDk leo$ Sub total 81.909 81.905 81.504 A4 Asset 4nd Inv•slrnent urchases, 588 table Sub total Total payments 81.905 ¥1,905 81.$04 Net of receipts/(paymentsJ A5 Tran5fer5 between funds A6 Ca$h funds last year end Cash funds thi5 year end 251 251 12 31 31 43 282 31 CCXX Rl ￿cOunt5 ISSI 2110412026

Section B Statement of assets and liabilities at the end of the period Uniestrict8d funds to Th￿rest£ Restrictsd funds t¥ nèrèt E Endobvment funds 10 neÈrt£ Categories Details B1 Cash funds BankACc￿nI 2$1 Total ¢ash funds 251 Unrestricted lunds to no•r••i t Restricted funds to nMr••t E Endowrn8nt fund8 lo n••r•8t£ Details Funotovthlch 48••tb• ¢otltsptltrMII Curr•ntv•lu• 0￿￿11$ Futhdtowhlch Dotails Cwt loptID￿lI CuvY•ntV41u• B4 Ass•ts r•taln•d for th• har11￿3 own u Fundtowhi¢h knounldu• onal Wh¥n du• k>nil Details BS Llabllltles Svjned byor tDJstèès bthaw ofall the trustees Signature Print Name Dale of roval Kamald Takhar 21- -26 CCXX R2 ￿cOunt5 ISSI 2110412026

CHARITY COMMISSION FOR ENGLAND AND WALES Independent examiner's report on the accounts Section A Indèpendènt Examiner's Report Report to th¢ trustee$l members of MIDLANDS HOUSING CHARITY On accounts for the year ended 30 June 2025 Charlty no (if any) 1180517 Set out on pages 3and4. ItÈmènkn to indudè thè numb*rx tsf ¥JdditiCJnal AhA4ial I report lo the trustees on my examination of the accounts of the above charity 1.the Trust") for the year ended 3010612025. Responsibilities and As the charity trustees of the Trust, you are responsible for the preparation basis of report of the accounts in accordance with the requirements of the Charities Act 2011 1.the Act"). I report in respect of my examination of the Trust's accounts carried out under section 145 of the 2011 Act and in carying out my examination, I have followed the applicable Directions given by the Chanly Commission under section 1451SHb) of the Act. I have completed my examination. I confimi that no material matters have come to my attention (other than that disclosed below ') in connection wlth the examination which gives me cause to believe that in, any material respect.. accounting records were not kept in accordance with section 130 of the Act or the accounts do not accord with the accounting records Independent examlnerfs statement I have no concems and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached. Ple8se delete the words in the brackets if they do not apply. Slgned: Date: 2110412026 Name: Ketan Shah Relevant professional qualifi¢ation{$l or body Ilf any): ICAEW Address: 16 Beaufort Court Admirals Way. London E14 9XL IER March 2026

Section B Disclosure Only complete if the examiner needs to highlight matters of concern (see CC32. Independent examination of charity accounts= directions and guidance for examiners). Give here brief details of any items that thè examlnerwlshes to disclose. None. IER March 2026

CHARITY COMMISSIO FOR ENGLAND AND WALES Receipts and payments accounts CC16a For the pariod from 01-Juk24 3￿u1-26 Section A Receipts and payments Unrestricted funds Restricted funds Endowrnent funds Total funds Last year toth• nMr•¥l¢ trth• n•Jr•¥t£ A1 R•¢el Don3lions R@nl Recewed A@cha t•.811 80.811 OIA92 Sub tolal( ross inconle for ARI 82.155 12.155 1,492 A2 As¥•t •nd Inv••tm•n¢ •al••. Iseo table). Sub total Total rKelpts 82,13S 42,155 81,492 A3P4 ments Ltas Renial8 71.•25 71.•25 1.980 01,502 Bgnk 19 Sub totol 81.905 81.•D5 01,504 A4 Asset and Inve8trnen¢ urcha888, see table Sub total Totalpayments 81.905 ¥1,995 81.504 Net of receipts/(payments) A5 Transfer5 between fund5 A6 Cash funds last year Ènd Cash funds this yoar •nd 251 251 12 31 31 282 31 CCKX R1 accounts ISSI 2110412026

Section 8 Statement of assets and liabilities at the end of the period Uni&sirict8d funds to nèrpSt£ RestricLed funds t¥ nèarèt E Endowmént funds to nèreSt£ Categories Deloils B1 Cash fund$ k Acujunt 251 Tolal cash funds 2S1 Unrestrlct funds Re¥trlthd funds Endowment funds to n•4r•¥lf Detai15 ts> n•ar•it¢ to n•ar•¥t E --z••• FuTrdto ¥Jhi¢h ¥•t b•1 Co•tloploMII eurrvnlv&lu• Detalls F￿￿tO¥jh14h 8•••t b• Details C￿t lofftTh•ll ¢urTrnlv•lu• B4 As8•t8 r•taln•d for t charlty's own use knDun¢ du• on•1 Wh•n ￿￿1 on•1 Detai15 B5 Llabllltle5 Signad by Imststh) behaKof 811 Ihe trustees SwJnatur8 Print Name Dale of roval Kamaldee Takhar 21A r-26 CCKX R2 accounts ISSI 2110412026