THE BARKtNG MUSLIMS ASSOCIATION ACCOUNTS FOR THE YEAR ENDED 31 MARCH 2025 Registered Chariry No: 1068507 Global Accountancy SeThTiLe$ Chartered Certified Accountan18 57 Catiocca Busine8s Park 2 Hellidon Close M#nche8ter M12 4AH
THE BARKtNG MUSLIMS ASSOCIATION CIO 31 Match 2025 TAB1 OF CONTENTS Page Ttustees and ljrofessional Adviso TNstees Report Statemeot of Ttt]siee$' respoosiblities foK the accounts Independent Review Statement of fin2nciAI activities Balance Shect 10-13 Notes to rhe accounts
THE BARKING MUSLIMS ASSOCIATION CIO TRusfEES AND PROFESSIONAL ADVISORS 31 N&rch 20?5 TRusfEES: Ashfaq A Siddique Mohammed.Ilxlul Ntajeed Rahbatshaan Rasheed_ Retired 161081?025 Omair Ali Sh2h Chri8tinA Rowe Moqeet Siddiq - RetiLtd 18/08/9025 Arnhad MahmL]d - appointtd 10/08120?4 seem Paeen - Retired 28108/?025 Ali Aouane - Appointed 10/081fj024 MAIN OFFICE. ? Victoria R(Yad Batking Essex IGII 8PY BANKER&. HSBC 23 Ripple Road Batkn IGII 7MV ACCOUNTANfs: GlobKI Accountancy Services Chartered Certified.Iccountants 57 Cariocca Business Park ? Hellidon Close Nlanchester 112 4.4H I |Pl¢ ge
THE BARKING MUSLIMS ASSOCIATION TRUSTEES REPORT FOR THE YEAR ENDED 31 MAR 2026 Slnce 1986, the London Borou8h of Barklng and Da8enham has experienced sustained population growth anil Si8nifi¢ant infrdstrurture investment. These chan8es have transformed the borough Inio one of London's most dynamlc and diverse communitiès. With new housing developments, regeneration schemes. and improved transport connectfvlty, the borough has welcomed thousands of new resident5-many ofwhom are from ethnically and religiously diverse backgrounds. This demographlc shift has placed increased demand on local seNiees. Including voluntary and laith-based organisations such as the Barking Muslims A$50¢iatiOn. The Barking Muslims Association has responded proactwelyto this challenge, evoknng from a small community Iniliative to create a plate of worship, into a borough-wide providerof e55ential services. tt5 Portfolio now extends well beyond religious provision. encompassing educational programmes, youth eneagemenL family support, food distribution, mental hÈalth awareness. and interfaith di3logue. These services are accessed by residents acr05S multiple wards-from Barkin8 Riverside to Becontree-demonstratlng the organisation's reach and relevan across the borough. In doing so. Ihe A550ciation plays a vital role in slJPPOrtin8 the borough's broader community infrastructure. Bv offering culturally sensitNe and inclusive sewvices, it help5 reduce pressur? on statutory 5ervicesJ promote5 social cohesion. and contribute5 to the borou8h's public health and wellbeing objectives. The organisation's work cornplements council-led initiatwes, particularly in areas suth as early Interventlonj youth development, and cornmunity safety. To meet 8rowng demand. the Barking Muslims Association has invested in expandin8 Its physical infrastructure, stren6thenin8 its 8overnance, and bulldln8 Strate8ic pather5hlps wlth local schools, charltles, and councll departments. Over nearw four decades, the organlsatlon has developed a communlty complex that now delivers 47 distinct services to over 17.000 weewy visitors, resulting in an annual foorfall tsf approximately 816.)0 51te visit5. Tht5e effort5 ensure that the or8an15atM remains a8ile, accountable, and ali8ned wlth the borough's lon8-temi vision for Incluslve growth and communlty resilience. As Barkin8 and Da8enham continues to grow, the Barking Muslirns soatIOn stsnds ready to play an even greater role in supporting residents, 195terin8 unity, and contributin8 to a thrivin8, connected borou8h. BMA- IVS Impactt¢day Food Security & Relief We provide essential food supportthrough.. Food Club Sub5idi5ed supern)arkct Weekly frtt meal servi¢es. in¢ludin Fe lunches for the elderly Fresh meals open io all communities Over the past two years, we haye distributed IW) loaves ol bread weekly to 19 community organisation5. intluding schools and tharities. extending our reach acr055 the borou8h. Sport5 & Wellness Our comprehensive programme includes.. Badminton, yog4 MMA, boxing, Pilates, ball¢r. Brazilian Jiu-Jitsu, circuii lKing Walkin& Nnnin& and ocling clubs Massage therapy. Indian head massage. and cupping These seICeS promte physlcal health, reduce stress, antl foster soclal Interaction aEross all age 8roups. and are 21P&1g)e
open to the wider community. Mentsl Health & Creative En a ement We offer= Professional in-IK)uselalkingtherapy services Couns¢lling, bereavetnent 5upporL PEer support groups A chaplaincy servirK 5VPPOrting ¢hroni¢ illness & p1101)¥¢ car¢ Arts and crafts, calligrnphy, tea and chat. kniiting, and sewing grp5 These initiatives provide safe spa5 forexpression. healln& and tonnectlon.EdoUL& Educationa1 Su We run.. Al Madina secondary school for gÈrls Multiple diverse weekly activty sessions for moihers and toddle Language leaming, digital litEracy, and career Preparation prosrJJnmes CV WTltin& interview skills, and expowJre to Al and ie¢h opportunities These empower individua]s to thrive in a rapidly evolving world. Elderl & End f-Lif We provide: Garne5 sessions, social gatherings, excursions Full community funeral s¢rvi¢¢. ¢t)suring dignity and care during difficult times S(la11st Servkès Communit Zakat Pro'ect Piloted at AL Madin4 natlQDally a¢¢r¢dii¢d by th¢ Nati¢)n Zokat foundlOn. rolled outlo 26 organisations with lh¢ aim ofE¢ing fully established in 300 organisations nattonwide Led by 12 trnined volunitets Distributed over £150,OtM) in zakat aid12025 taryet) Receives referra15 from local authority d¢panments Provides holistic support in¢luding food. wunselling, aucation, youih & health progjammes The Sen50 HNe Support5 children and young people aged 3-25 with= Autism, ADHD, ADD, gensory processing disorders Developmentsl or learning dbsabiliti¢5 SEMH Challenges, NEET Status, and disadvaniagcd backgrounds Staffed by 2 occupational SEND therapists and 8 5UPPOrt staff Offer5 weekly support to 41 families, including F*)rou8h referra15 Services include feedin& nappy changing, s¢ns0ry play, ADL workshop¥ yow men¢otship. and perforniin8 arts Besp)ke interventions forthose with ncuro diverse diagnoses 31PagJe
uare Circle Care Our in-house domiciliary Care provider Preparin8 for CQC ac¢reditation Focused on community recnJitrn¢nl. enhanced training, and IcKal employment Aims to build a circular economy of compassionate care and ¢ommunity b¢n¢fit Currently training a re8iSter¢d monagwand nominaied individual Health &R¢ isirar Services Aduli and child health awareness pn8¥ammes DEv¢loprntnt of the BMA N¢i8hbourhood health str¢SY Tooeted health initiatives for specific ¢ommuniti¢5 Regisirar services for mllrriage ceremonie5 Full funeral servi¢es To8Ether, these services form a comprehenslve and compassionate support system that uplifts INPS. strengthens families, and builds a connected, inelusive cornmunity. Our work reflects a deep commitment to social lustlce, wellbein& and long-term Impact, honourfn8 our legacy Sin 1986 and ev01n8 tg rneet the need5 of today and tomorTOW. Our small, voluntary cornmunity organization face5 Inherent challenge5 typlcal of a volunteer-led body. Our operational strength Is dlrettly ed to the en8agement levels of our vdunteer5. which can often be sporadic. Thi5 inconsistency creates Instability in our growth and devèloprnent planning. The natural turnover of key personnel, employees. and trustee5 also significantly impacts our capacity forsustainable expanslon. The past year has been a perlod of strateglc reorganizaiioA almed at mity"gatin8 sorne of these challen8e5. We initiated a comprehenslve $truttre of our trustee management framewort, redistributing portfo5ios and realignlng responsibllltits to reflect actual workloads more accurately. Whlle further rehnement is nece55ary. thi5 5treamlinin8 pr¢)cess is already yielding beneflcial results in operdtion31 efficiency. Looking ahead. our expanding seN1$ and Incieaslng tommunity engagement are cre3tin8 new pressure5. The BMA complex is now experiencin8 5isnificant Strain, operatin8 beyond it5 intended capacity. To continue delivering safe, Incluslve, and high-quality services, we face the challen8e of a facility that requires a comprehensive upgrade. v arÈas requiring immediate attentlon Include.. l. Replacement of 8ging windows in the main building tts improve energy efficiency 4nd Safety. 2. Urgent upgrad¢s to the femal¢ restrt)om facilities to accomMot increased usage. 3. Developmenl ofo dedicated small eveni spa¢e to diversify offerin8S. 4. Expansion of the caft area within the communily Complex to better serve our growing number of visitors. Securing the 5i8nificant finanoal outlay needed for this essentlal Investment Is critical and our most pssing priority- These upgrades are vitsl to ensure the BMA complex femains a resilient and resp()nsive hub. equipped to meet current d£rnand5 and future 8rowth for year5 to come. A. SWJ Ashfa ddique tary to the board of trustees of the BMA 41Pab)e
THE BARKING MUSUMS ASSOCIATION CIO TRUSTEES REPORT FOR THE YEAR ENDED 31 MAR 2025 ICONTINUED) Trustees. responsibilities in relation to the financial statements The charity trustees are responsible for preparing the annual report and the accounts in ao¢ordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Practice). The law applicable to Charities in England and Wales requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, of the charity for that period. In preparing th8 accounts, the Trustees are required to; Select suitable accounting principles and then apply them consistently; Observe the methods and principles in the applicable Charities SORP: Make judgements and estimates that are reasonable and prudent" State whether applicable accounting standards have been followed. subject to any material departures that must be disclosed and explained in the financial statements., Prepare the financial statements on a going concern basis unless it is appropriate the presume that the charity will Continue in business. The twslees are responsible for keeping proper accounting records that disclose with reasonable accurate at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations. and the provision of the Trust deed. They are also responsible for safeguarding the assets of the charity and taking reasonable steps for Ihe prevention and detention of fraud and other irregularities. Approved by the trustees signed on their behalf by. Tru&te March 2025 SIPaLJe
Independent Examlnerf8 Report to the Tru8tee5 of The Barklng Musllms Assoclatlon I report on the accounts of the charty for the year ended 31 March 2025 which are set out on pages 07 to 13 Respective responsiblllties of trttee5 and examlner. The charitys trustees are responsible for the preparalion of the accounts. The charity's trustèes consider that an audit is not required for this year under section 144121 of the Charities Act 2011 (the 2011 Act) and thal an independent examination is neaded. It is my responsibility to.. Examine the accounts under sedion 145 of the 2011 Act. Follow the procedures laid down in the general Directions given by the Charity commission under section 14515)(bl of the 2011 Act- and State whether particular matters have Come to my attention. Basis of independent examlnerfs reporL My examination was carried out in accordance with the general Directions given by th8 Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with Ihose records. It also includes consideration of any unusual items or dis¢lo$ures in the accounts, and seeking explanations from you as trustee5 concerning any such matters. The procedures undertakén do not provide all the evidence that would be required in an audit and consequently no opinion is given as to vth&ther the accounts present a Irue and fair vEvl' and the report is limited to those matters set out in the statement below. Independent examinerfs slatement In connection with my examination, no matter has come to my attention: 1) Which gives me reasonable cause to believe that, in any malerial re$pe¢t, the requirements To keep accounting records in accordan with section 130 of the 2011 Act., and To prepare accounts which accord with the accounting records and comply wf(h the accounting requirements of the 2011 Act hav8 not been met,. or 2) To which. in my opinion. 8ttenb.on should be drawn in order to enable a proper understanding of the accounts to be reached. Q. Abbas Qalsar Abbas {FCCA) Global Accountancy Services 57 Cariocca Business Park, 2 Helidon Close. Manchester M12 4AH Dats: 31 March 2025 61Pagpe
THE BARKING PIIUSLIMS ASSOCIATION CIO Draft Statement of Financial Activities Forthe yearended 31 March 2025 Note8 2025 2024 COMING RESOURCES Restricted General Restllcted General INCOME FOR THE YEAR 10?217 569,001 30.924 509,395 10? ?17 569.001 30.9?4 509.325 LESS: RESOURCES EXPENDED Cost of gefterAting fimd8 Expenditute on ch2titable activites 75.678 232,647 108,8?6 248.833 Governance costs 35,586 62.336 Support costs 126,153 124,168 TOTAL RESOURCES EXPENDED 75.678 394.386 108,826 435.338 NEf INCOME FOR THEYEAR ?6.539 174.615 (77,902) 73.987 Priot yeat adiu81mertts BALANCE BROUGHT FORWARD 153,644 3,364.789 231,546 3.290,802 BAiANCE CARRIED FORWARD 180,183 3,539 404 153.644 3J64 789 stsieTneni of ruwicl lai117e5 Indles 211 gairts aNI105%es in yeAr..lll resources aNI resource5 petded deLii'e from conw acm41ies. Tr tts on pages 10 to 14 fotm part of these account 71Paue
THE BARKING MUSLIMS ASSOCIATION CIO Dtaft BAIANCE SHEET At31si March 2025 Note8 202S 2024 FIXED Asswrs Jnve5tLrnt Tangible.Is5ets 60,273 3,147.994 60.272 3.236.071 CURRENT ASSETS Dcbtors Cash at bank and in hand 56,093 927.051 983.144 18,138 509.322 520.460 CREDITORS: AMOUNTS FALLING DUE Tr]THIN ONE YEAR cditoL 3.366 3.366 2),943 25.943 NET CURRENT ASSETS 979.778 494,517 TOTALASSETS LESS CURRENT UABILfTIES 4.188.045 3,790160 CREDrroRS.. AMOOLTNTS FALLING DUE AFTER MORE THAN ONE YEAR Paytnent rec¢ii'¢d on 8CCOUSJt lor contracts 01 perEom¥nce rdated 8ranr 468.496 272.4?7 The totalrt¢t $Btt¥ of tht Charlty 3,719589 3518A34 ACCUMULkTED FUNDS Restricted Rescrwcs LnLrsttictcd Re5eEves 180,183 3,539.405 153,644 3.364,790 3.719589 3.518.433 Ve apprn'e these accounts 8nd con6nn thar we hai'e )rAde available 311 rhe infom)gtioTh and explanations fot iheirpTepAThtion. Ttu$e Truste ABDUL MAJEED Date . 31 arch 'IIK' JMirc6 I)lipfi 10 tr) 13 Ei)r1 1gtt {)f tlKx' acci>unts. 81Pagbe
THE BARKING MUSLIMS ASSOCIATION CIO NOTES TO THE ACCOUNTS Foitho yoar onded 31 March 2025 1. ACCOUNTING POLICIES The prirtipal accounllng polldes adopted.NbJgments aTrJ key sowces ofestimation 0rtaInty in ts preparation ofth& finar£ial Statemrts are as follows.. Basis Of a¢counllng ffinartlal 8tstements been ppared in accorda wilhAowtin9 and ReportiTrJ by critieS.. StatontOfRee0mme1XIed Practi applicabk8 to charlles preparfng thelr accourt8 in wththe Finala1 Reporbro Standard appficabla ints UK Reptt¢lc ol IrelarKI (FRS 1021 Issued on 16 JLty2014 (as Lpdated through Update 1 PLtsSshed on 2 February2016)- (Ctrorilies SOFIP IFRS 10211, ts FIrSOI RepDrbrKJ StaTrJard applicabte ints UK and Rewb5cof Irela1 IFRS 102} aTrJ Charitiès Ac12011. Pr•paration ofthe accounts on a goln9 conc•m ba81s The tru51ees cornider that thBre aro no matsrial UrtaIr4Je$ abott dlIlab ability lo c¥)ntinu& as a goiNJ ¢oncem. trtte$ do 1 ¢on$id&rUBtthere are any sowces ofestimation uerIa1nty atthe reportirvJ date that Bigrificant risk 0fLS1n9 a material ¥dNstmerrtto tt carying amowrt ol assets arKI abltieS witrin lh8 n8Xt repo.rj period. Incom• recognltlon Irorne is recogrlsed when the cTrBrity ertilementto the luThJ$. ary perfomiarxe coThYiUons attached to the itenlsl ofircome ve been met, it15 PTobabK8 that the ircome wll receid ard amoLrt can bo moaswed relia. Donat•d services and facilities Donated professional $8Nces aTrJ doTMted facilities are recognised as Ththe eharity has cortrol 0r Iha item. ary coThJitions associated wthlhe dorwted item have been me( Ihe receipt of eco[¢ befil from th U58 by th& charity ofts item is probabk aThl tsl eC0MiC berefit can be measured lIobty. h) a¢tt+rd8e •th th& Charitigs SORP IFRS 1021, 98rEral ¥DlJrteertime is r¥)treco9rMsed.' referto trEtnote$ 8MLkal r•portfor morè iréornation abouttheir conbibution. (kn ceIpt, donated professical seNces and dormtsd facililies are recognised on the basis oftr Val of gift to the charity vkith is the ctroritywoukl ha4e been willro to payto obtsin seCeS orfadlUes of equivalent economic benefjtonts open market.. a correspondiro amou is recognised in Intr period of receipt. Currentasset inveslments cfrBnty has inted into rebgious edu¢ationiRrwe irtorporated as Qalam EdLK8tion Ltd. Taxalbn The charity is exempl from corporation taxon its caritabb actimtiès Fund a¢¢ountlng lthrestricted fiThls are avaiLgbb to Spe on actiwties that ftthr any tsf pwposes of charity. D•$igr¢t•d [1$ are unr•strict8d otts charity ¥%u'ch fv bustees ha deaded attheir disL7elion to set aside to for a speufic purpose. Re$trictsd firts are donat'ons vrtich the dortsr has speuffied are to be Sole used for p8.(8rareS$ oftre charitys vKJrf( or for speafic propcts teiro uTrJertaken by ts ctrarity. 91Pab)e
THE BARKING MUSLIMS ASSOCIATIC14 CIO NOTES TOTHE ACCOUNTS Forthe year•nded 31 March 2025 Expenditure and irr•covèrablo VAT E4)endittJre Is e09riSed orKt tkere is a legal or COtrti oNigationlo n18ke 8 P8wto a third paty, iti8 probabk tstsethementvil be reqLired aTrJ arr#)untofthe obligation can be measLTrd r81iabty. ExpenditL¥e is dassifjed thjef ts followirg actimty headirgs.. E>perKlith on dwritable actimtes irdKles the costs Lnlertakento ffiJrtPertre process of cIHrityaNI their assoaaled swport costs. reCordble VAT is tharged as a cost agalrts actiMtyforthriGh expeTrJitse wa$ irKurred. Alo¢ation ofsupport costs SLPPOrt costs are lISe fuKli0 tsl assistthe Wf)rk ofts ¢lrity do not diredy dertake cFHritabk actiiities, Support (J)sts ie back office costs, firdnce, p8rsorrEI, payroll arKI gOnCE costs vhich swport Ihe programmes aNI acbiities. Operatlng1gase8 Operatia aseS a leases in sthi¢hts title to ts assets, and h risks rewards of OWTEf5Fip, remainY+ith Ike lessor. Rertal tharges a charged on a straigfl lire basi5 overthe le ofts lease. Tangible fixed assets kYJiMdl fixed assets costiro £500 or are c8pitslsed al cost and are depreciated Ow1're$timated L£eful e¢0+M1¢ lives on a stralght li basis as folbws.. FrÈehokJ Buildi 2.5% on redwrKJ bala Freelxjld La PrtaTr MacFMrry 20% red1j baL9nce Debtor8 Trade aTrJ 0r debtors ate Tecogrised al the Settm& amulrtd after arytrade discoLrfoffered. PrepayTrErt5 are vdlwd al the 8nK)Lrt prepaid OI8rytrade diseoLKts d. Cash at bank and at hand Tre ctroritrs cash at bank in harnl tl albIli ofthls 8S at 31. March 2024 Reserve Pollcy This iludeS fvryjs tsl are freety ayailabk to be spent on ary ofts PL¥poses. As partoftsse unTestiicted ftwKls, t charity $ a reserve of £80,000 to meet its reseTves polig, aims to Cer6 rrDrrtt of core operab'rvJ eypeThYilure. IOIPabJe
THE BARKING MUSLIMS ASSOCIATION CIO DraftNOTES TOTHE ACCOUNTS For the year ended 31 March 2025 3. TANGIBLE FIXED ASSETS Land & =Ixture, rIng5 TOTAL Bulldlng & equlpments COST At 1 April 2024 Additior 3,873,000 235,569 4,108,569 At 31 March 2025 3,873,000 235,569 4,108,569 Depreciation At 1 April 2024 Charge for the ar 688,822 80,104 203,675 872,497 7,974 88,078 At 31 March 2025 748,926 211,649 960,575 NET BOOK VALUE At 31 March 2025 3,124,074 23,921 3,147,994 At 1 April 2024 3,204,178 31,894 3,236,072 4. DEBTORS 2025. 2024 AdVanS Other {9,284) 65,377 56,093 10,180 7,958 18.138 4.CREDITORS 2025. 2024 Acctuals Wages control account Oiher creditors 1800 1,800 720 23,423 25.943 1,566 3,366 11 | Pag>¢
THE BARKING MUSLIMS ASSOCIATION CIO NOTES TOTHE ACCOUNTS Forthe y•arend•d 31 March 2025 6. DRAFf ANALYSIS OF INCOME AND EXPENDrruRE 31 March 2025 Restr- 31 March 2024 Rtr- G•noral Total G•n•ral Total Income Gerra1 donations Fitrana dorolion Zakat donation Gifaid from HMRC PK Homes Prtiiect 1 & 2 Water Pump Project Nikkah 381,473 381,473 21,185 29.174 611 445,447 21,090 2.352 3,597 466,538 2.352 3,597 994 3.885 21,185 29.174 611 3.885 17,583 17,583 8.525 34.275 178,392 8.S25 5.865 559 56.460 5,865 559 56.460 34275 Propety rental income 178.392 569,001 102,217 Expendliure on charhable actlvldes. 671,218 609.325 30,924 540,249 Heat& lights Repair5 and Renewa ChaFity & donation Social semces & edLKation Water ctrorge8 Travel & Sub81&ncO Tep1K> Wages & Salaries Pension 30.149 17.156 8,310 27.148 30,149 17,156 80,288 30,848 28,548 55,704 28.548 55.704 18,826 122,864 71,978 3.700 18.826 90.000 32,864 85 1,540 148,259 232,647 85 1.s40 148,259 308.325 450 1.655 129,612 248.833 108A26 450 1.65S 129612 357.659 75.678 Govemanco Costs. Accountary & Payroll Olher gaI & professiorol 8ank charges 3,275 30,410 1,902 35,586 3,275 30,410 1,902 35.586 1.850 59,545 941 62.336 1.850 59.545 941 62.336 Supportcosts; PrinliTrJ. statior£ry & postage Sofhvare licerrk8 & e>peroes staff training Books& magaar*$ Hygiene SLpplies hsura Security cost Depreciats'on 2,989 8,312 1,302 2.989 8,312 1,302 15,121 3,585 15.121 3,585 18.817 S52 88,078 126.153 174,615 18,817 552 88,078 126 153 201,154 18,066 709 92,789 124.168 73,987 18,IX6 709 92 789 124,168 3.915 NET INCOME 26,539 77,902 FUNDS BROUGFrr FORWARD 3.356,186 182,265 3.518,431 3,282,179 240,167 3.522.346 FUNDS CARRIED FORWARD 3.530.781 188.804 3.719&89 3.356,166 162.265 318,431 12 Il'agje
THE BARKING MUSLIMS ASSOCIATION CIO NOTES TOTHEACCOUNTS Forthe year ended 31 March 2025 7. ACCUMULATED FUNDS GENERAL RESTRICTED FUNDS FUNDS TOTAL Balance at31 March 2024 Net income 3,364.790 174,615 153,644 3.518,433 26,539 201,154 BalarKe at 31 March 2025 3,539 405 180 183 3719589 8. CONTROLLING PARTY Charity in uryjer the share control of Twstees named on page 1 of ts accounts. 9. RELATED PARTY TRANSACTION re has been m transaction with the trustess during the yEar in any fonn. (2024 nil) 131Page