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2021-03-31-accounts

Charity Number : 1180865

Hope Into Action : Portsmouth

Trustees' Report and Financial Statements

For the year ended 31 March 2021

Hope Into Action : Portsmouth

CONTENTS

Page
Reference and administrative details of the charity, its trustees and advisers 1
Trustees' report 2-8
Independent examiner's report 9
Statement of financial activities 10
Balance sheet 11
Notes to the financial statements 12-18

Hope Into Action : Portsmouth

Reference and administrative details of the charity, its trustees and advisers For the year ended 31 March 2021

Trustees

Rev. Tracey Ansell Mrs Jayne Howard Mrs Lorna Sandland Mr Steve Ansell (Resigned December 2020) Rev. Wayne Dulson (Appointed 25.03.2021)

Ambassadors

Mr Anthony Savage Ms Catherine Holehouse Mr Simon Murdoch

Charity registered number

1180865

Principal office

195 Powerscourt Road Portsmouth Hampshire PO2 7JH

Independent Examiner

Hunter Simmons Ltd EMP Building Unit 1, 4 Solent Road Havant Hampshire PO9 1JH

Bankers

Barclays bank plc Bournemouth Town Leicester Leicestershire LE87 2BB

Page 1

Hope Into Action : Portsmouth

Trustees' report For the year ended 31 March 2021

The trustees present their annual report together with the financial statements of the charity for the year ended 31 March 2021.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the charity's governing document, "Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standards applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)." In setting objectives and planning for activities, the Trustees have given due consideration to general guidance published by the Charity Commission relating to public benefit, including the guidance 'Public benefit:running a charity (PB2)'.

Review of objectives and activities

The principal object of the charity is to provide supported housing in the Portsmouth region to those who are homeless or insecurely housed.

The charity aims to use investment resources to buy houses for 2-3 tenants. Each home is linked to a local church that provides a positive community, friendship, befriending/ mentoring and support. Also included is a professional Empowerment Worker who provides expertise to the tenants in benefits, tenancies, jobs, liaising with other agencies and action plans.

The holistic approach first seeks to address the immediate challenges facing the individual. Seeking to identify the reasons for homelessness and the underlying causes of their poverty, then addressing the complexities that have kept them from progressing in life and achieving their goals. The biggest impact comes through building a positive framework of relationship through the support worker and the 'friendship and support team'. This provides a safe environment for them to share and grow in confidence in a non-judgemental therapeutic dynamic. We try to build on the positive and seek to empower them to develop their strengths. Over time this builds self worth and confidence. With new skills and qualifications, they develop new relationships reducing their isolation and work towards independent living.

There is a wider impact on the other services providing supported accommodation in the local area. As we seek to move people on from hostels and other local services to independent living, this frees up additional bed spaces along the pathway out of homelessness for people to progress through the system. There is also a wider benefit to the local community as we are assisting people to break their cycle of disadvantage so that they can get back to a position of contributing positively to society. Most of the individuals we work alongside progress on to their own independent living and become capable of supporting themselves rather than relying on the charity of others and the benefit system. Many find work and become assets within their local community participating towards the development of their local communities.

Page 2

Hope Into Action : Portsmouth

Trustees' report For the year ended 31 March 2021

Review of objectives and activities (cont'd)

In making decisions relative to the running of the charity, the trustees have had due regard in all instances to the commission's public benefit guidance when exercising their powers or duties. Given that the objects of the charity are the relief of poverty specific rules apply in relation to the "public" aspect of the "public benefit". Despite this the trustees are nonetheless satisfied that there is a public aspect to the benefit as has been shown above with regard to the impact of the work of the charity on other organisations providing supported accommodation and the wider community.

There is an additional aspect to the benefit that is worth mentioning. It is our experience, as a charitable organisation, that the volunteers from our friendship and support teams also benefit from being involved in the activities that we provide as well as the churches who we are partnered with. There is an opportunity for the churches to demonstrate in a public way that they are relevant and involved in their local communities and making a real difference to people's lives. Each house is run in conjunction with a local church, who sign a five year partnership with us, committing to build long-term, holistic relationships with the tenants who were formerly homeless.

Volunteers contribute a few hours a week and they tell us that they feel that they learn as much from volunteering alongside these individuals as the clients themselves. This is assisted by the fact that they themselves are provided with ongoing support and training throughout their time volunteering. An initial full day's training is complemented by ongoing training and support from staff who work for the charity in various capacities.

In so many regards this model is as much about a way of building community as it is about housing individuals. Tenants are empowered by volunteers, who are supported by Empowerment Officers.

Working together we are seeking to build a sense of friendship, family and support that transcends racial, social, cultural, political, and religious divides for the purpose of building a better community, and in the process, individuals, who are struggling with the challenges of poverty, identity, relationship and resource, are seeing their problems reduced and therefore begin to regain their independence.

Page 3

Hope Into Action : Portsmouth

Trustees' report (continued) For the year ended 31 March 2021

Achievements and performance

During March 2020, the global Covid pandemic was upon us, and we had to take some time to work through how we were going to continue with our offer and follow the government guidelines. Our empowerment worker, Caroline Deans offered telephone support initially which was then followed by meeting face to face socially distanced and wearing of face masks. We were very fortunate that neither Caroline or our tenants contracted the COVID virus.

During 2020 we were awarded a grant of £15,000 from the local council to help with the costs of recruiting our first empowerment worker, and this helped enormously with cashflow as we grew. We had also begun to work with Cosham Baptist Church as they had raised some investment for a house - our 3rd. Another investor came forward following a Radio interview with our Chair of Trustees and in July 2019 we were delighted to welcome an Asylum-Seeking family into HIA Portsmouth third house.

We had also received some interest from an investment opportunity from Stewardship Charity finance, who help their members invest ethically. This then provided the finance for house number four, which was opened in October 2019 in partnership with Langstone Community Church. We welcomed a new mum and her 4 week old baby into the home as they too sought asylum in the UK.

We had the promise of another house from Portsmouth City Council, though it was proving difficult to secure a suitable property that met the Council parameters for building purchase. In late March 2021 we heard the good news that they had purchased a property in Paulsgrove and while they carried out the refurbishments we began the task of finding a church to support the house.

Following the successful opening of the house with Stewardship, they had another investor who offered to open a house with us. We contacted St. Marys Church and they agreed to support the house and training began as our offer was accepted on a house in Glencoe Road.

By March 2020, we had 4 houses, and were well on the way to opening another 2 as we went into the 2021-2022 year.

This meant that we needed to increase the hours for our Operation Manager, Michelle Treacher to 30 hours and we took Steve Ansell on a zero hours contract to oversee the maintenance and refurbishment of the properties we were now running. Steve had been doing so on a voluntary basis, but it was agreed that we needed this to be more of a permanent fixture of the staffing structure. The trustees gave a financial gift of £1,000 to thank him for all of his work and expertise during the initial start up for the charity.

Our premises are gifted to us by North End Baptist Church and in January 2020 they refurbished the heating upstairs where the HIAP office is situated and we gifted them £2,000 towards their costs as we would benefit greatly from it.

Page 4

Hope Into Action : Portsmouth

Trustees' report (continued) For the year ended 31 March 2021

Financial review

The Trustees' policy with regard to reserves is to seek to maintain unrestricted funds, other than those designated from time to time for specific purposes, at a level sufficient to provide the charity with enough working capital to carry on its existing activities successfully for two to four months. This will enable the trustees to ensure continuity of activities and honour contractual liabilities.

The net income up to March 2021, is £70,723 which includes the grant of £15,000 from Portsmouth City Council. We began receiving donations from churches and individuals as our profile began to be raised. £46,523 was received from Housing Allowance and represents 65% of our income. This is a higher percentage than other franchises, and it is our aim to keep it above 50% to provide stability as we grow. Our staff costs rose to £34,599 as our team grew. £26,338 is held as restricted money on behalf of investors in particular Bell Road, and refurbishment cost was £24,335 as there was a much larger refurbishment on this property. At the end of March 2021, we were housing 9 tenants.

Our costs ("charitable activities") were at £61,726. All insurances are in place and the Trustees are aware that over the next 3-5 years we will need to assess the major risks that we can be exposed to, and develop a system to mitigate them. We will be monitoring the need for recruiting further empowerment workers as more houses open.

Page 5

Hope Into Action : Portsmouth

Trustees' report (continued) For the year ended 31 March 2021

Structure, governance and management

Hope Into Action:Portsmouth is a registered Charitable Incorporated Organisation and governed by its articles and memorandum of association and we are a franchise of Hope Into Action UK which provides us with training, support, advice, and expertise. We have adopted their policies with minor adaptations as needed. Representatives of Hope Into Action UK carry out regular audits of our houses and meet with our tenants to ensure that standards are maintained and risks are managed appropriately with the wellbeing of our tenants being paramount.

As well as having a board of trustees, Hope Into Action:Portsmouth also has Ambassadors who support and encourage the charitable aims and attend all trustee meetings. Ambassadors are appointed by the board of trustees and bring a particular specialism and skillset that the trustees value. Trustees consult fully with the ambassadors and make them fully aware of operational and governance plans.

Whilst there is a requirement to maintain the core elements of the Hope Into Action model as part of being a franchisee, Hope Into Action:Portsmouth is free, as an independent organisation, to adapt the model to local circumstances and requirements. The trustees take this responsibility seriously and are keen to ensure that the charity implements the model faithfully since it has been demonstrated that it works but also to make sure that there is an aspect of local expression and development.

In relation to risk and risk management, policies and procedures are in place to manage risk as best as can be foreseeable. Logs are maintained in order to record any incidents that may present a risk to the organisation and how risk is being managed:

~ Safeguarding ~ Critical incidents and sudden death ~ first aid incidents

~ Data protection breaches

~ Staff training and HR

In the event of major incidents the operations manager liaises with the Chair of the Trustees who keeps the board informed of ongoing developments. Discussions take place to learn from the experience and to do things differently where required. Written reports are made of all major incidents, subsequent discussions, policy changes as a result, and amended practices.

Page 6

Hope Into Action : Portsmouth

Trustees' report (continued) For the year ended 31 March 2021

Outcomes

The charity has maintained outcomes that reflect the excellent standard of work carried out. We deliberately do not set KPIs or aim for specific outcomes as we are convinced that the outcomes reflect the fact that we invest in building great relationships first and foremost.

As we are a new franchise and charity, as of March 2021 we have not yet moved any tenants on to independent accommodation. We have achieved the following outcomes:

100% of our tenants have maintained their tenancy

100% of those who had previously been in prison have not reoffended

100% have reduced their alcohol or substance misuse

80% have improved their social relations with their family

Quality Audit Report

Hope into Action:Portsmouth continues to work with the Peterborough office welcoming the Annual Quality Audit Report that provides encouragement and points for improvement. It is discussed and monitored with our Operations Manager and Trustees.

Independent Examiner

In accordance with the trust deed of the charity, a resolution proposing that Hunter Simmons Ltd be appointed as Independent Examiner of the charity will be put to the board.

The Trustees' Report was approved by the Board of Trustees on….........................2022 and it was agreed that Rev. Tracey Ansell would file them with the Charity Commission.

Rev. Tracey Ansell - Chair of Trustees Dated…...................................2022

Page 7

Hope Into Action : Portsmouth

Trustees' report (continued) For the year ended 31 March 2021

Statement of Trustees' responsibilities

The trustees are responsible for preparing the Trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the Trust deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Approved by order of the members of the board of Trustees on …....................................2022 and signed on their behalf.

…...........................................

Rev. Tracey Ansell

Page 8

Hope Into Action : Portsmouth

Independent Examiner's Report For the year ended 31 March 2021

We report to the charity trustees on our examination of the accounts of the charity for the year ended 31 March 2021.

Responsibilities and basis of the Report

As the trustees of the charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the 2011 Act').

We report in respect of our examination of the charity's accounts carried out under section 145 of the 2011 Act and in carrying out our examination we have followed the applicable Directions given by the Charity Commission under Section 145(5)(b) of the 2011 Act.

Independent Examiner's statement

The accounts have been prepared in accordance with Accounting 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) to provide a true and fair view in accordance with Generally Accepted Accounting Practice.

We have completed our examination. We confirm that no matters have come to our attention in connection with the examination which give us cause to believe that in any material respect:

We 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 be able to enable a proper understanding of the accounts to be reached.

This report is made solely to the charity's trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. Our work has been undertaken so that we might state to the charity's trustees those matters we are required to state to them in an Independent Examiner's Report and for no other purpose. To the fullest extent permitted by law, we do not accept responsibility to anyone other than the charity and the charity's trustees as a body, for our work or for this report.

Date…..............................................

Hunter Simmons Ltd

Page 9

Hope Into Action : Portsmouth

Statement of Financial Activities For the year ended 31 March 2021

Notes
Income from:
Donations and legacies
2
Charitable activities
3
Total Income
Expenditure on:
Charitable activities
4
Total Expenditure
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
Funds
2021
24200
46523
70723
61726
61726
8997
7325
8997
16322
Restricted
Funds
2021
0
26338
26338
24355
24355
1983
2116
1983
4099
Total
Funds
2021
24200
72861
97061
86081
86081
10980
9441
10980
20421
Total
Funds
2020
10558
36650
47208
37767
37767
9441
-
9441
9441

This Statement of Financial Activities includes all gains and losses recognised in the period.

The notes on pages 12 to 18 form part of these financial statements.

Page 10

Hope Into Action : Portsmouth

Balance Sheet As at 31 March 2021

Notes
Current assets
Debtors
8
Cash at bank and in hand
Creditors: amounts falling due within
one year
9
Net current assets
Total assets less current liabiities
Net assets excluding pension asset
Total net assets
Charity funds
Restricted funds
10
Unrestricted funds
10
£
£
£
£
1000
1000
20741
9240
21741
10240
1320
799
20421
9441
20421
9441
20421
9441
20421
9441
4099
2116
16322
7325
20421
9441
2021
2020
£
£
£
£
1000
1000
20741
9240
21741
10240
1320
799
20421
9441
20421
9441
20421
9441
20421
9441
4099
2116
16322
7325
20421
9441
2021
2020
9441
9441
9441
2116
7325
9441

The financial statements were approved and authorised for issue by the trustees on…................ and signed on their behalf by:

…........................................... Rev. Tracey Ansell

The notes on pages 12 to 18 form part of these financial statements.

Page 11

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

1 Accounting policies

1.1 Basis of preparation of financial statements

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - Accounting 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 2015) and the Charities Act 2011.

The financial statements have been prepared to give a 'true and fair' view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a 'true and fair' view. This departure has involved following the Charities SORP (FRS 102) published on 16 July 2014 rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective 1 April 2005 which has been withdrawn.

Hope Into Action: Portsmouth meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

1.2 Income

All income is recognised once the charity has entitlement to the income, it is probable that income will be received and the amount of income can be measured reliably.

Grants are included in the Statement of Financial Activities on a receivable basis. The balance of income received for specific purposes but not expended during the period is shown in the relevant funds on the Balance Sheet. Where income is received in advance of entitlement of receipt, its recognition is deferred and included in creditors as deferred income. Where entitlement occurs before income is received, the income is accrued.

Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of donation.

1.3 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefit will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is classified by activity. The costs on each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single

Page 12

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

1 Accounting policies (cont'd)

activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges allocated on the portion of the asset's use.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

1.4 Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

1.5 Debtors

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

1.6 Cash at bank and in hand

Cash at bank and 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.

1.7 Liabilities and provisions

Liabilities are recognised when there is an obligation at the Balance Sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount the charity anticipates it will pay to settle the debt or the amount it has received as advance payments for the goods or services it must provide.

Provisions are measured at the best estimate of the amounts required to settle the obligation. Where the effect of the time value of money is material, the

Page 13

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

1 Accounting policies (cont'd)

provision is based on the present value of those amounts, discounted at the pre-tax discount rate that reflects the risks specific to the liability. The unwinding of the discount is recognised in the Statement of Financial Activities as a finance cost.

1.8 Financial instruments

The charity only has financial assets and financial liabilities of a kind that 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 subsquently measured at amortised cost using the effective interest method.

1.9 Pensions

The charity operates a defined contribution pension scheme and the pension charge represents the amounts payable by the charity to the fund in respect of the period.

1.10 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

2 Income from donations and legacies

Unrestricted Restricted Total Total
funds funds funds funds
2021 2021 2021 2020
£ £ £ £
Donations 6450 0 6450 6558
Grants 17750 - 17750 4000
Similar incoming resources - - - -
24200 0 24200 10558
Total 2020 9558 1000 10558

Page 14

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

3 Income from charitable activities
Unrestricted Restricted Total Total
funds funds funds funds
2021 2021 2021 2020
£ £ £ £
Income from charitable activities 46523 26338 72861 36650
4 Analysis of expenditure on charitable activities
Summary by fund type Unrestricted Restricted Total Total
funds funds funds funds
2021 2021 2021 2020
£ £ £ £
Costs of charitable activities 61726 24355 86081 37767

5 Analysis of expenditure by activities

Analysis of expenditure by activities
Costs of charitable activities
Total 2020
Analysis of direct costs
Staff costs
Premises costs
Repairs and renewals
Staff expenses
Gift - Steve Ansell
General administration
Travel and subsistence
Insurance
Franchise fee
Investor rentals
Charity set-up costs
Legal fees
Professional fees
Independent examination
Activities
undertaken
directly
2021
£
61726
29286
Activities
2021
£
34599
8153
1663
4103
1000
955
0
1120
1923
6460
0
600
490
660
61726
Total
funds
2021
£
61726
29286
Total
funds
2021
£
34599
8153
1663
4103
1000
955
0
1120
1923
6460
0
600
490
660
61726
Total
funds
2020
£
29286
Total
funds
2020
£
4906
4806
2417
301
0
2220
840
1161
3162
4000
1560
1603
1650
660
29286

Page 15

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

6 Staff costs 2021 2020
£ £
Wages and salaries 33297 4814
Social security costs - -
Contribution to defined contribution pension scheme 1302 92
34599 4906
The average number of persons employed by the charity during the year was as
follows: 2021 2020
No. No.
Operations manager 1 1
Empowerment worker 1 1
No employee received remuneration amounting to more than £ 60,000 in the
period.

7 Trustees' remuneration and expenses

1 trustee received reimbursement of expenses amounting to £1,631 in the period.

8 Debtors

Due within one year
Other debtors
Tax recoverable
9
Creditors: Amounts falling due within one year
Other creditors
Accruals and deferred income
2021
£
1000
-
1000
2021
£
0
1320
1320
2020
£
1000
-
1000
2020
£
139
660
799

Page 16

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

10
Statement of funds - current year
Balance at
1 April
2020
£
Unrestricted funds
General funds
7325
Restricted funds
Specific gifts
2116
Staff fund
-
2116
Total of funds
9441
Statement of funds - prior year
Unrestricted funds
General funds
Restricted funds
Specific gifts
Staff fund
Total of funds
Income
£
70723
26338
-
26338
97061
Income
£
36611
10597
-
10597
47208
Expenditure
£
61726
24355
-
24355
86081
Expenditure
£
29286
8481
-
8481
37767
Balance at
31 March
2021
£
16322
4099
-
4099
20421
Balance at
31 March
2021
£
7325
2116
-
2116
9441

Page 17

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

11 Summary of funds - current year Summary of funds - current year
Balance at Balance at
1 April 31 March
2020 Income Expenditure 2021
£ £ £ £
General funds 7325 70723 61726 16322
Restricted funds 2116 26338 24355 4099
9441 97061 86081 20421
Summary of funds - prior year
Balance at
31 March
Income Expenditure 2020
£ £ £
General funds 36611 29286 7325
Restricted funds 10597 8481 2116
47208 37767 9441
12 Analysis of net assets between funds - current year
Unrestricted Restricted Total
funds funds funds
2021 2021 2021
£ £ £
Current assets 17642 4099 21741
Creditors due within one year 1320 - 1320
16322 4099 20421
Analysis of net assets between funds - prior year
Unrestricted Restricted Total
funds funds funds
2020 2020 2020
£ £ £
Current assets 8124 2116 10240
Creditors due within one year 799 - 799
7325 2116 9441

Page 18

Hope Into Action : Portsmouth

Notes to the financial statements For the year ended 31 March 2021

13 Pension commitments

The charity operates a defined contribution pension scheme. The assets of the scheme are held separately from those of the charity in an independently administered fund. The pension cost charge represents the contributions payable by the charity to the fund and amounted to £1,302 (2020 - £92). Contributions totalling £0 (2020 - £138) were payable to the fund at the balance sheet date and are included in creditors.

Page 18