REGISTERED CHARITY NUMBER: 1187075 Report of the Truslees and Audited Financial Statement5 for the Year Ended 31st May 2025 for Save One Life S Syedain & Co Chartered Accountants & Siatutory Auditors First Floor 87 Kenton Road Harrow Middlesex HA3 OAH
Save One Life Report of the Truslees for the Year Ended 31st May 2025 The trustees presenl their report with the financial statements of the charity for the year ended 31 st May 2025. The trustees have adopted the provisions of Accounling and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance wilh the Financial Reporting Standard applicable in the UK aiid Republic of Ireland (FRS 10?) (etfective l January 2019). Thc trustees present their report wilh the financial slatements of the charily for the year ended 31 st May 2025. The trustees have adopted ihe provisions of Accounting and Reporting by Charities.. Statement of Recornmended Practice applicable to charities preparing their accounts in accordance wilh the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective l January 2019). OBJECTIVES AND ACTIVITIES Objectives and Aims The overall aim of the charity is the prevention or relief of poverty anywhere in the w()rld by providing or assisting in the provision of shelter, food aid, medical aid, educalion, training, healthcarL proje¢ls and all Ihe necessary support designed to enable individua15 lo generate a suslainable income and be self-sufyicient. In furtherance of its objectives, Ihe cliarity also assists in the relief of poverty, destitution, and suftcring? among victims ol. war or natural disaster. trouble, or catastrophe in the form ol. shelter, food aid, money (or other means deLmed suitable) for persons, bodies. org)anisation5 andlor countries anywhere in the world affected. including the provision of medical aid, Page I
Save One Life Report of the Trustees for the Year Ended 31st May 2025 OBJECTIVES AND ACTIVITIES Signifi¢¥nt Aetivities At Save One Life, we want to give people the choice in how to recover from a crisis by giving ihem cash assistance and improved access to humanitarian aid. We want to maintain their digJnity and move Ihcm away from dependency. Our vision is a world in which every human being has the means to 5UPPOrt their basic needs with dignity. In order to deliver our aims. we have delivered a rangye of programrnes specifically focused in Gaza since 2020. s however we reallised that the financial assislance prog7ram was more favourablc so we focused on providing financial assistance only. and all other prog?ramm¢s were concludLd in the previous rinancial year. Durinb7 the year, the charity was the subjecl of mL.dia all¢&)8tions concerningJ its overseas activilies. The trustee5 became aware of these reports Ihrougyh the press and acted promptly to notify the Charity Commission. The Charily Commission undertook a review and contirmed Ihat no fonnal investi&7ation was necessary and that the matter has been closed. The trustees have reviewed their proee55es and controls and remain salistied ihat appropriate procedures are in place to ensure that all funds are applied in line with the charity's objectives. Our funding The charity catTied out several activities during the year to raise funds for our programmes and associated costs. Some of these have been hig,hlighled below.. Seasonal appeals during Ramadan, the month of Dhul Hijjah and during the winier. These are communicated through digital channels and social media. Regular social Media content that drives people to our website, where donations can be made. Mosque collections, particularly during the month of Ramadan. One-off events and fundraising activities, e.g. Al Noor Boat Race, Walk4Gaza & Maralhons, bake sales, bazaar5 and iftars. We also reach out personally to individuals who we feel would be keen to donate to our causes. Public Benefit In shaping the objectives for the year and planning the charity's a¢livities, the trustee5 have Considered the Charily Commission's guidance on public benefit, including the guidance 'Public benetit- running a charity (PB2)'. It is the trustees, opinion that the operation of the charity in its present fom is for the public benefit under th¢ principle5 set out in the Charity Commission guidance. Page 2
Save One Life Report of the Trustees for tbe Year Ended 31st May 2025 OBJECTIVES AND ACTIVITIES Volunteers From the very beginning of our journey, we have relied on dedi¢at¢d and committed volunteers to help us deliver our work. We have 63 regislercd volunteers who have supported us to d¢liver several community and fundraising events, such as the annual Al-Noor Boat Race, charity marathon runs, and fundraising trek5 and walks. Our volunteers have also been critical in taking donations via a call centre when we have taken part in live tundraising appeals, as well as supporting at mosque collections. All volunteers are required to register with us and can attend an annual volunteer event. where the work of the organisation and the roles they are required to play are explained. ACHIEVEMENTS AND PERFORMANCE Cbaritable activitie5 Duringy the financial year, Save One Lit"e speni £431,13812024.' £1,905,835) on charitable activities to fund our financial assislance progyramme in place tor the vulnerable families in Gaza. Review of Development, Activitie5 and Aehlevement There was only one project in progress as oih¢rs were closed in the previous financial year lo allow focus on Fiiian¢ial Assistance. Save One Life ha5 established and worked with a new delivery partner. which is based in the UK and is a registered charity (Onc Nalion UK). The Financial A5513tance Programme Our fla&iship programme provides direct financial assislance to families in Gaza. These distributions are ollen the only torm of income for the mosl vulnerable families in Ga£a. More importantly, they give them the choice in how to meet their essential needs. The money is spent with local traders and helps slimulate the local economy and ensure the impact of the aid benefits the local cominunity as well as individual households. Ansar Fund/Administration costs For general administration purposes and to fund all the charitable activities, to promote ihe charity, there is a separate Ansar Fund where donation5 received towards this fund are used for these purposes. This remains open to cover all running costs of the charity. Pag¢ 3
Save One Life Report of the Trustees for the Year Ended 31st May 2025 FINANCIAL REVIEW Financial position and results Financial position and results The total donations received for the year arnounted to £1,16?,336 (?024'. £1,871,439) which had decreased due to lower donations received during ihe year and tewer fundraisingy activites that took place during ihe year. Gift Aid received during the year was £107,895 (2024: £114,394). Furthennore, during the year under review, Save One Life transferred £431,410 to fund our Financial Assistance programme. This represented an expected reflection of the amount of donations received in the period, which were distributed within the financial year. The remaining funds have been distribuled after the tinancial year-end. In summary, the charity's financial position and results showcase stability and continuily in fundraising effort5, successful collaborations, and prudent financial managTement. These achievements not only IiigJhli&yhi the orgianisation's dedication but also reinforce its capacity to make a meaningful impact on its mission. Reserves policy The trustees regyularly reviL'W the risks lo the charity and are actively nionitoring the reserves available to the Charity. As there are no 5igTniti¢ant ongoingJ commitments and the work continues only whcn funds are available, the Irusle¢s have decided to maintain a minimal reserve to cover costs for up to six months. These costs exclude the delivery and charitable activities costs that are incurred to deliver the projects. FUTURE PLANS The charity has agreed to continue its focus on Financial Assistance based on various reports and feedback from Intemational NGOS and beneficiaries. This decision ha5 been based on several factors. Firstly, feedback from ben¢ficiaries has shown that the financial assistance is a much more empowering fonn of charity that can be lailored and used for individual needs. Secondly, it is better for us to focus on one area where we Can specialise in and deliver quality over quantity. Financial assistance is a more el'ficient way of delivering aid compared to material goods, but there are costs lo distribuling cash aid securely and legally. Therefore, we will review our financial and resourcing model accordingly to ensure we have the funds we need to raise and deliver financial a5SlStance. The charity has a paid staff position within the organisation to ensure all required financial, regulatory. and operational requirements would be adhered 10. STRUCTURE, GOVERNANCE AND MANAGEMENT Governing document Save One Life 15 controlled by its governing document, a deed of trust and constitutes a Charitsble Incorporated Organisation (CIO} whose only voting members are its Irustees. Page 4
Save One Life Report of the Trustee5 for the Year Ellded 31st May 2025 STRUCTURE, GOVERNAINCE AND MANAGEMENT Charity constitution Save One Life is governed by it5 constitution which was s¢t up on l November 2019. Recruitment and appointment of new trustees The trustees are the people responsible for controlling the work, management and administration of the charity on behalt of its beneficiaries. Each Save One Lif¢ Iruslee is unpaid and has a specific area of expertise that they lead, such as Finanee and risk, Fundraising, Volunteering, Marketing and coinmunieations, Administration and policy, and Programme Delivery. Truslees are appointed by the Board of Truslees. Induction training is given to the Induction trustees on appointment, and the gyuidelines provided by Ihe Charity Commission as per The Essential Trustee publication, are followed. New trust¢es receive training from an existing tru5lee about ihe charity and their responsibilities ¢15 a Irustee, and are given a eopy of Ihe Charity Commission's guide for new Iruslee5 and Ihe constitution of the Charity. Ongyoingy training is provided as required. Organisational structur¢ In order lor ellective day-to-day running of the charity during the year the board of trustees consisted of.. a) Mr Kaisar Raja b) Mr Addeel Khan c) Mr Faisal Raja d) Mr Waqas Ahmed e) Mr Zishaan Anjum They have been given the powers of execution by the board of trustees and can enter tnto legal obligations, which will bind the charity. The power of appointing a new trustee of Ihe charity is vested with the Board of Trustees. Page 5
Save One Life Report of the Trustees for tbe Year Ended 315t May 2025 STRUCTURE, GOVERNANCE AND MANAGEMENT Risk management The Trustees have a duty lo identify and review risks to which the charity is exposed, and to ensure Ihat appropriate internal controls are in place to provide reasonable safegJuards against fraud and human crrors. The principal risks and un¢ertainties fiiu¢d by the charity are as follows: i) Increase in competition where a growing number of charilies are seeking funds from the same donors. ii) Safeguarding assets against unauthorised use. iii) Compliance requirements with relevant laws and regulations. iv) Reputational risk where any bad publicity worldwide could have a detrimental impact on the level of future donations. The Irusiees have taken the following measur¢s to rnitigyate some of the risks.. Save One Life uses a reputable and well established third-party organisation to distribute charitable projects, including financial assistance. To ensure the funds are being donaled direcily lo the intended beneficiaries they have a number of mitigation in place. Background checks on the third party, including regTl5tration with the relevant government bodies in the country; evidence of their delivery of progyrammes in that location. evidence of their policies and procedures. Names, addresses and amounts of beneficiaries who received the financial assistance and any oth¢r charitable donalions, e.g. clean water, olive trees, etc. On-the-ground spot checks by an independent third party to inspect and verify narne5 on the beneliciary list have reccivcd the tunds. Video and photographic evidence. date stamped, that show5 distribution of the funds to beneficiaries. Regular meetings with the ihird part organisation to ensure funds are being distributed as agreed. REFERENCE AND ADMINISTRATIVE DETAILS Registered Charity number 1187075 Principal address 268 Barking Road London E6 3BA Page 6
Save One Life Report of the Trustees for the Year Ended 31st May 2025 Trustees K Raja W Ahmed A Khan F Raja Z Anjum Allditors S Syedain & Co Chartered ALLountants & Statutory Auditors First Floor 87 Kenton Road Harrow Middlcsex HA3 OAH TRUSTEES, RESPONSIBILITY STATEMENT The trustees are responsible for preparingJ Ihe Report of the Trustees and the financial slatements in accordance wilh applicable law and United King,doin Accounting Standards (United Kin&7dom Generally Accepted A¢countin&' Practice) including Financial Reportinb, Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland" Charity law requires the trustees lo prepare financial slalements for each financial year. Under that law, the trustees have elecled to prepare ihe financial slatements in accordance with United Kingydom Generally Accepted Accounlinb Practice {United Kingdom Accounting, Standards and applicable law). Under charily law the trustees must not approve the financial statements unless ihey are sat15fied that Ihey give a true and fair view of Ihe state of affairs of thc charity and of the incoming resources and application of resources, including the income and expenditure, of the charity for that period. In preparing those financial statements, the trustees are required to select suilable accounting policies and then apply them con515tently' observe the methods and principles in the Charities SORP. make judgernent5 and estimates that are reasonable and prudent. state whether applicable accounting standards have been followed. subject to any material departures disclosed and explained in the financial statements; prepare the financial staiements on the going concern basis unless it is inappropriate to presume that the charity will continue in busine5S. The trustees are Tesponsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statemenls comply with the Charities Act 2011 and The Charity (Accounts and Reports) Regulations 2008. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevenlion and detection of fraud and other irrcgularities. Page 7
Save One Life Report of the Trustees for the Year Ended 31st May 2025 Approved by order of the board of trustees on .................... by: and signed on its behalf A Khan- Trustee Page 9
Report of the Independent Auditors to the Trustees of Save One Life Opinion We have audited the financial statements of Save One Life {the 'charity') for the year ended 3 1st May 2025 which cornprise the Statement of Financial Activities, the Statement of Financial Position, the Statement of Cash Flows and notes to the financial statements, including a surnmary of significant accounting policies. The finaneial reporting, framework that has been applied in their preparation is applicable law and United Kingdom Accounting Siandards (United Kingdom Generally Accepted Accounting Practice). including Financial Reporting SL4ndard 102 'The Financial Reporting Standard applicablc in the UK and Republic of Ir¢land'. In our opinion the linancial statement5'. givL a true and fair view of the state of ihe charity's affairs as at 31st May 2025 and of its incoming resources and application of resources, for the year Ihen ended; have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice, including Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland and have been prepared in accordance with the requirLments of the Charities Act 2011. Basis for opinion We conducted our audit in ac¢ordan¢e with International Standards on Auditing, {UK) (ISAS (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors, re5ponsibililies tor the audit of the financial statements section of Our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC'S Ethical Standard, and we have fulfilled our oiher ethical respon5ibilitics in accordance with these requireinents. We believe that the audit evidence we have obtained is sufticienl and appropriate 10 provide a basis for our upinion. Conclusions relating to golng con¢ern In audilingi the tinan¢ial statements, we have concluded that the trustee5' use of the going concern basis of accounting in the preparation of the finanLial siatements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or colle¢liv¢ly, may cast sig?nifi¢aiit doubt on the charity's abilily to continue as a going concem for a period of at least twelve months from when the financial statements are authoris¢d for issue. Our responsibilities and Ihe responsibilities of the trustees with respect to going concem are described in the relevant sections of this report. Page 9
Report of the Independent Auditors to the Trustees of Save OD¢ Life Other informatio The trustees are responsibl¢ for ihe other infomialion. The other inforn]ation comprises the inforniation included in the Annual Report, other than the financial staiements and our Report of the Independent Auditors thereon. Our opinion on the financial statemenls does not cover the other infornjation and, except to the extent otherwise explicitly stated in our report, we do nol express any forn] of assurance conclusion thereon. In connection with our audit of ihe financial statements, our re5ponsibilily is to read Ihe other information and, in doin8 so, Consider whether the other information is malerially inconsislent with the financial statements or our knowledge obtained in the audit or othenvise appears to be materially misstated. If we identify such material inconsistencies or apparent material inisstatements, we are required lo determine whether this gFives rise to a material Inisslalement in the financial statements thcmselves. If, based on the work we have performLd, we conclude that there is a material misstatement of this other intorniation, we are r¢quired to report that fact. We have nothing to report in this regard. Matters on which we are required to report by exception We have nothing to report in respect ol. the followingy Inatlers where ihe Charities (Accounts and Report5) RegJulations 2008 requires u5 to report to you if, in our opinion.. the information given in the Report of the Trustees is inconsistent in any material respecl with the financial statements,. or sutficienl accounting records have not been kepi; or the finan¢ial stateinents are not in agTreement wilh the accounting records and returns. or we have nol received all the infonnation and explanations we require for our audit, Re5pon5ibilitiey of trustees As explained more fully in the Trustees, Responsibilities Statement, the Irustees are responsible for the preparation of the financial statements which give a true and fair view, and for such internal control as the trustees determine is necessary to enable thc preparation of financial statements that ale free from material misstalement, whether due to fraud or error. In preparing the financial stalements, the trustees are responsible for assessing the charity's ability to continue as a gyoing concem, disclosing, as applicable, matters related to going concern and using Ihe going Loncem basi5 of accountin&J unless the trustees either intend to liquidate the ¢harity or to cease operations, or have no r¢alistic alternative but to do so. Page 10
Report ofthe Independent Auditors to tbe Trustees of Save One Life Our re%ponsibilities for the audit of the financial statements We enquired of mana¥LillLnl, which included obtaining and reviewing supporting documentation. coneeming the charity's policies and procedures relating to.. Idenlitying, evaluatingJ, and complying with laws and regulations and whether they were aware of any instance5 of non-¢omplianee' Delecling and responding to the risks of fraud and whether ihey have knowledge of any actual, suspected, or alleged fraud. The iniernal controls established to mitigate risks related to fraud or non-compliance with laws and regulations. We inspected the minutes of meetings of those charged with governance. We obiained an understanding of the leg7al and regulalory framework Ihat the charily operates in. focusing on Ihose laws and reg7ulations that had a material effect on ihe financial statements or that had a tundamental effect on the operations of the chariiy from our prolessional and sector experience. We reviewed processes for in place for monitoringF and accounting for funds provided to partner organisalions outside the UK. We communicated applicable laws and regulations throughout the audit team and remained alert to any indications of noncompliance througvhout the audit. We reviewed any reports made lo regulators. We reviewed the financial slaternent disclosures and tested these to supporting documentation to assess compliance with applicable laws and regulations. We performed analytical procedures to identify any unusual or unexpected relationships that may indicate risks of material mis5talement du¢ to fraud. In addressing the risk of fraud through management override of controls, we tested the appropriateness of joumal entrie5 and other adjustment5. assessed whether the judgements made in making accounting estimates are indicative of a potential bias and tested sig?nificant transactions that are unusual or those outside the norn]al course of business. Because of ihe inherent limit&tions of an audil, ther¢ is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation. This risk increases the more that cornpliance wilh a law or regulation is removed frorn the events and iransactions reflected in the financial statements, a5 we will be less likely to become aware of instances of non-compliance. The risk is a150 greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional ¢oniealment, torgery,collu5ion, omission or misrepresentation. Pag¢ll
Report ofthe Independent Auditors to the Trustees of Save One Life Use of our report 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 audit work has been undertaken so that we might slate to the Charity's Irust¢es those matters we are required to State to them in an auditors, report and tor no other purpose. To the fullest extent permitted by law, we do nol accept or assume responsibility to anyone other than the charity and the eharity's trustees as a body, for our audit work, tor this report, or for the o inions we have tonned. S Syedain & Co Chartered Accountants & Slatutory Auditors First Floor 87 Kenloi) Road Harrow Middlesex HA3 OAH Date.. Page 12
Save One Life Statement of Financial Activities for the Year Ended 31st May 2025 31.5.25 Total funds 31.5.24 Total funds Unrestri¢l¢d Restricted funds funds Notes INCOME AND ENDOWMENTS FROM Donations and legacies 274,711 885,488 1,160,199 1,802,863 Other trading aclivities 2,137 2,137 68,576 Total 274,711 887,625 1,162,336 1,871,439 EXPENDITURE ON Raising lunds 50,565 50,565 140,237 ChAritable activities Income trom Charitable Activities Support Cost 158,130 6,990 431.210 589,340 1,905,835 6,990 1,438 Total 215,685 431,210 646,895 2,047,510 NET INCOMEI(EXPENDITURE) 59,026 456,415 515,441 (176,071) RECONCILIATION OF FUNDS Total lunds broug,ht loNard 343,853 (269,574) 74,279 250,350 TOTAL FUNDS CARRIED FORWARD 402,879 186.841 589,720 74,279 The notes fonn part of these financial slaternents Page 13
Save One Life Statement of FinanLial Posilion 31st May 2025 31.5.25 Tolal funds 31.5.24 Tulal funds UnreslriLted Restricted runds funds Notes FIXED ASSETS Tangible assets io 6,770 6,770 1,535 CURRENT ASSETS Cash at bank 424,714 186,841 611.555 99,905 CREDITORS Amounts falling due within one year (28,6051 (28,605) (27.161) NET CURRENT ASSETS 396,109 186,841 582,950 72,744 TOT AL ASSETS LESS CURRENT LIABILITIES 402,879 186,841 589.720 74.279 NET ASSETS 402.879 186,841 589,720 74.279 FUNDS Unrestricted funds Restricted funds 12 402,879 186,841 343,853 (269,574) TOTAL FUNDS 589,720 74,279 The financial statements were Approved by the Board of Trustees and auihorised for Issue on and were signed on ils behalf by.. A Khan - Truslee The notes fom part of these financial statements Page 15
Save One Life Statement of Cash Flows for the Year Ended 31st May 2025 31.5.25 31.5.24 Notes Cash flows from operating activities Cash gencrated from operations 518,834 (125,025) Nel cash provided byl(used in) operating activities 518,834 (125,025) Cash tlows from investing activities Purchase of tangible fixed assets (7,184) Net cash (used in)Iprovided by investing activities (7,184) Change In ¢Rsh and cash equivulents in the reporting perlod Cydsh and cash equivalents at the beginning of the reporting period 511.650 (125,025) 99,905 224,930 Cash and cash equivalents at the end of the reporting period 611,555 99,905 The notes fom part of these financial statements Page 15
Save One Life Notes to the Statement of Casb Floiv$ for the Year Ellded 31st May 2025 RECONCILIATION OF NET IIYCOMEI{EXPENDITURE) TO NET CASH FLOW FROM OPERATING ACTIVITIES 31.5.25 31.5.24 Net incomel(expenditure) for the reporting period (as per the Statement of Finun¢ial Activities) Adjustments for: Depreciation charges Decrease in debiors Increase in creditors 515,441 (176,071) 1,949 512 26,253 24.281 1.444 Net Cash provided byl(used in) operations 518,834 (125.025) ANALYSIS OF CHANGES IN NET FUNDS At 1.6.24 Cash flow At 31.5.25 Iyet cash Cash at bank 99.905 511,650 611,555 99,905 511.650 611.555 Total 99,905 511,650 611.555 The notes forn) part of these financial statements Page 16
Save Onc Life Notes to the Financial Statements for the Year Ended 31st May 2025 ACCOUNTING POLICIES Basis of preparillg the financial statements The financial statements of the charity, which 15 a public benefit entity under FRS 102, have been prepared in accordance with the ChaTlties SORP (FRS 102) 'Accountingy and Reporting by Charities.. Slatcment of Recornmended Practice applilable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective l January 2019),, Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland, and the Charities Act 2011. The financitil slaleinents have been prepared under the historical cost Convention. Income All incorne is re¢ob)nised in the Statement of Financial Activities once the charity has enlitlement to the funds, it is probable that the income will be receivLd and the amount can be measured reliably. Expenditure Liabilities are recognised as expenditure as soon as there is a legal or constructive obligalion Committing, the charity 10 that expenditure, it is probable that a transler ot economic bene*its will be required in settlement and the amount of the oblig?ation can be measured reliably. Expenditure is a¢¢ounted for on an accruals basis and has been classified under headinb7S ihai agg?reg)ate all cost related to the cate&70ry. Where costs cannot be directly attributed lo particular headings they have been allocaled to a¢livitie5 on a basis consistent with the use of resources. Tangible fixed A55ets DipreLiation is provided at the following annual rates in order to write off each asset over its estimated useful life. Planl and machinery Fixtures and Equipments Computer equipment 200/0 on cost 20% on cost ?OO/o on cost Taxation The charity is exempt from tax on its charitable activities. Fund accounting Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees. Restricted funds can only be us¢d for particular restricted purposes within ihe objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes. Further explanation of the nature and purpose of each tund is included in the notes to the financial Statements. Page 17 conlinued...