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2024-08-31-accounts

Trustees’ Annual Report for the period

From 1/9/2023 Period start date To 31/8/2024 Period end date

Charity name: CMA CONNECT FAREHAM

Charity registration number: 1182335

Objectives and Activities

SORP reference
Summary of the purposes of
the charity as set out in its
governing document		 Para 1.17 The purpose of the CMA Centre is to
enable people to access help and advice
on all aspects of personal finance for
anyone who requires it. The Centre
may not, however, give debt advice,
investment advice nor advise on
business finances.
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		 We meet members of the public who
contact the CMA centre for access
to debt advice. We record their details
and input to these to the National CMA
computer program which provides
options on how the individual might
take steps to improve their financial
situation.
Our mantra is “Freedom from debt –
Hope for the future”
Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit		 Para 1.18 The service we provide is available to all
people, free of any charge and is solely
for the benefit of those who choose to
access our service. There is no personal
financial benefit or gain to any of the
trustees or volunteers at any point.

Additional information (optional) You may choose to include further statements where relevant about:

SORP reference
Policy on grant making Para 1.38
Policy on social investment
including program related
investment		 Para 1.38
Para 1.38 We are extremely grateful to all of our
trustees and volunteers for the
contribution they make that enables us
Contribution made by
volunteers		 to support the number of clients that we
do.
Other

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 We continue to get numerous requests
from clients, who are struggling to cope
with many issues, from the rising cost
of living to mental health crises.
We continue to invest in recruiting and
training our volunteers, as well as
supporting each other.
We have recruited 4 new volunteers this
year.
We also continue to promote our work
in the local community, to ensure that
as many people as possible are aware
of the service we provide.
Our sole objective is to assist people in
working towards becoming debt free.

Additional information (optional) You may choose to include further statements where relevant about:
Achievements against
objectives set		 Para 1.41
Performance of fundraising
activities against objectives
set		 Para 1.41
Investment performance
against objectives		 Para 1.41
Other

Financial Review

Review of the charity’s
financial position at the end
of the period		 Para 1.21 The charity is currently in a good
financial position and able to meet its
commitments.
Statement explaining the
policy for holding reserves
stating why they are held		 Para 1.22 Our policy is to hold reserves sufficient
for two years of operational costs
of £5,000 per annum.
We are also investigating the possibility
of employing a centre coordinator.
Amount of reserves held Para 1.22 We currently hold a reserve of
£22,824.59 total in our accounts.
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

Additional information (optional) You may choose to include further statements where relevant about:

The charity’s principal
sources of funds (including
any fundraising)		 Para 1.47 All of the funds held by the charity have
been generously donated by churches
and members of the public, for which we
are very grateful.
Investment policy and
objectives including any
social investment policy
adopted		 Para 1.46 As previously mentioned, we currently
have a separate interest-bearing
account. We do so to ensure that our
current account only has sufficient
funds to operate the charity on a day-to-
day basis, as well as to reduce any risk
of our financial reserves being illegally
accessed.
A description of the principal
risks facing the charity		 Para 1.46 We currently have no identified risks.
Other

Structure, Governance and Management

Description of charity’s
trusts:
Type of governing document
(trust deed, royal charter)		 Para 1.25 Charitable Incorporated Organisation
How is the charity
constituted?
(e.g unincorporated
association, CIO)		 Para 1.25 Trustees – with 5 trustees
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 elected at the AGM, to
include a Chairperson and Treasurer.

Additional information (optional)

You may choose to include further statements where relevant about:
Policies and procedures
adopted for the induction
and training of trustees		 Para 1.51
The charity’s organisational
structure and any wider
network with which the
charity works		 Para 1.51
Relationship with any related
parties		 Para 1.51
Other

Reference and Administrative details

Charityname CMA CONNECT FAREHAM
Other name the charity uses n/a
Registered charitynumber 1182335
Charity’s principal address 5A Upper St Michael's Grove,
Fareham,
Hants
PO14 1DN

Names of the charity trustees who manage the charity

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20		 Trustee name Office (if any) Dates acted if not for whole
year		 Name of person (or body) entitled
to appoint trustee(if any)
DR JEAN-REMY
ROBERT
MAURICE DUBOC		 CHAIRPERSON
REV STEPHEN
EDWARD DENT		 TREASURER
JOHN AUGER TRUSTEE
JOHN PHILIP
RIGHTON		 TRUSTEE
DAVID JAMES
WHITE		 TRUSTEE

– Corporate trustees names of the directors at the date the report was approved

Director name

Name of trustees holding title to property belonging to the charity

Trustee name Dates acted if not for whole year

Funds held as custodian trustees on behalf of others

Description of the assets held in this capacity

Name and objects of the charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for safe custody and segregation of such assets from the charity’s own assets

Additional information (optional)

Names and addresses of advisers (Optional information)

Type of Name Address
adviser

Name of chief executive or names of senior staff members (Optional information)

Exemptions from disclosure

Reason for non-disclosure of key personnel details

Other optional information

Declarations

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

Signed on behalf of the charity’s trustees

Signature(s)
Full name(s)
Position (eg Secretary,
Chair, etc)
Date		 J-R Duboc S.E.Dent
Jean-Remy Robert Maurice Duboc Stephen Edward Dent

Chairperson		 Treasurer
15thJune 2025
15thJune 2025
CMA CONNECT FAREHAM
Charity Name		 CMA CONNECT FAREHAM
Charity Name		 CMA CONNECT FAREHAM
Charity Name		 1182335
No (if any)		 1182335
No (if any)		 1182335
No (if any)		 CC16a
For the period
from		 01/09/2023
Period start date		 To 31/08/2024
Period end date
Section A Receipts and payments
A1 Receipts Unrestricted
funds
to the nearest £
870
542
-
344
-
-
-
-
1,756
-
-
-
1,756
1,480
338
-
-
282
36
387
330
-
2,852
-
-
-
2,852
- 1,096
-
18,780
17,684		 Restricted
funds
to the nearest £
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-		 Endowment
funds
to the nearest £
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-		 Total funds
to the nearest £
870
542
-
344
-
-
-
-
1,756
-
-
-		 Last year
to the nearest £
DONATION - CHURCH COMMUNITY 870 1,936
DONATION - PERSONAL 542 191
GRANT - ORGANISATION - 500
INTEREST ON SAVINGS 344 158
- -
- -
- -
- -
Sub total(Gross income for
AR)		 1,756 2,785
A2 Asset and investment sales,
(see table).
- -
- -
Sub total - -
Total receipts
A3 Payments
1,756 2,785
1,480
338
-
-
282
36
387
330
-
2,852
-
-
-
2,852

- 1,096

CMA CONNECT FEES		 1,480 1,480
CMA TRAINING 338 422
TRAVEL EXPENSES - 117
SIGNAGE - -
INSURANCE 282 481
DBS CHECKS 36 -
PHONE / BROADBAND 387 452
OFFICE EXPENSES 330 312
ADVERTISING - 48
**Sub total ** 2,852 3,312
A4 Asset and investment
purchases (see table)
, -
-
**Sub total ** - -
Total payments
Net of receipts/(payments)
A5 Transfers between funds
A6 Cash funds last year end
Cash funds this year end
3,312
- 1,096 - -
- 1,096		 - 527
- - - - -
18,780 - - 18,780 19,307
17,684 - - 17,684 18,780

CCXX R1 accounts (SS)

04/06/2025

1

Section B Statement of assets and liabilities at the end of the period Section B Statement of assets and liabilities at the end of the period Section B Statement of assets and liabilities at the end of the period
Categories
Signed by one or two trustees on
behalf of all the trustees
B1 Cash funds
B2 Other monetary assets
B4 Assets retained for the
charity’s own use
B5 Liabilities
B3 Investment assets		 Signature
S.E.Dent
Details
Details
CURRENT ACCOUNT
SAVINGS ACCOUNT
Details
Details
Total cash funds
(agree balances with receipts and payments
account(s))
Details		 Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
4,150
-
13,533
-
-
-
17,684
-
OK
OK
Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
-
-
-
-
-
-
-
-
-
-
Fund to which
asset belongs
Cost (optional)
-
-
-
-
-
Fund to which
asset belongs
Cost (optional)
-
-
-
-
-
-
-
-
-
Fund to which
liability relates
Amount due
(optional)
-
-
-
-
-
Print Name
STEPHEN EDWARD DENT		 Endowment
funds
to nearest £
-
-
-
-
OK
Endowment
funds
to nearest £
-
-
-
-
-
-
Current value
(optional)
-
-
-
-
-
Current value
(optional)
-
-
-
-
-
-
-
-
-
When due
(optional)
Date of
approval
S.E.Dent STEPHEN EDWARD DENT 04/06/2025

CCXX R2 accounts (SS)

04/06/2025

2