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2025-03-31-accounts

Talk Changes

Charity Number 1190271

Trustees’ Annual Report, Independent Examiner’s Report and Accounts for the period 01 April 2024 – 31 March 2025

Trustees’ Annual Report for the period

From 01 April 2024 To 31 March 2025

Charity name: Talk Changes

Charity registration number: 1190271

Objectives and Activities

SORP
reference
Summary of the purposes of
the charity as set out in its
governing document		 Para 1.17 Talk Changes continues to meet the
charitable objectives set out in its
governing document.
Our purpose is to promote and protect the
physical and mental health of people
affected by mental health challenges for
the public benefit, through the provision of
psychotherapy, counselling, CBT, and
solution-focused interventions. We also
deliver counselling sessions in schools to
support children and young people.
We further aim to advance public
understanding of mental health and
community wellbeing through workshops,
training, and group sessions. Over the past
year, we have delivered a wide range of
educational and therapeutic programmes
for the benefit of the community.
We are committed to improving the
emotional, physical, and mental wellbeing
of children, teenagers, young adults, and
adults.
Talk Changes is driven by a mission to
create meaningful social change and
contribute to a safer, more supportive
society. We continuously adapt our services
to meet the evolving needs of the public,
seeking opportunities to grow, innovate,
and improve. Creativity, curiosity, and
compassion guide every aspect of our work.
We offer a wide variety of services, open to
all and tailored to individual needs, as part
of our person-centred approach. These
include 1:1 counsellingand talking
therapies, Cognitive Behavioural Therapy
(CBT), group programmes, themed
‘Creative Minds Programme’ and Myriad
Programme. Our new CPD Training
Programme is here — designed to
strengthen practitioners, elevate clinical
practice, and support our shared mission of
improving mental health across our
communities.
Over the past year, we have worked to
address mental health challenges in a more
open, creative, and accessible way for both
adults and young people. By listening
closely to our beneficiaries and applying
early-intervention strategies, we focus on
improving six key areas of wellbeing:
mental, physical, emotional,
environmental, financial, and social.
Our workforce includes a dedicated mix of
experienced practitioners and former
beneficiaries who have gone on to train and
join the team. Many come from
marginalised communities and have
overcome significant challenges, helping us
break down barriers in the mental health
field and develop new, innovative ways to
support the people we serve.
We have continued to strengthen our
partnership work with the local NHS and
are proud to have successfully secured an
NHS contract to deliver specialist
bereavement support. This service provides
compassionate, therapeutic support to
individuals and families who have
experienced loss through miscarriage or
stillbirth. By working closely with NHS
teams, we ensure that those facing the
deepest and most complex forms of grief
receive timely, sensitive, and culturally
appropriate care during one of the most
difficultperiods of their lives.
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		 During the reporting period, Talk Changes
has delivered a wide range of activities and
services that directly support our charitable
purposes and benefit communities locally
and nationally.
We have strengthened our organisational
infrastructure by:
•
maintaining a fully functioning
trustee board(3 members)
•
ensuring appropriate public liability
and professional indemnity insurance
•
developing and implementing
robust organisational policies and
procedures
We continue to operate secure financial
systems and a clear funding strategy,
including grant applications and ongoing
work to secure sustainable funding.
Talk Changes has grown significantly as a
service provider within Bolton and beyond.
We have built strong partnerships with
local organisations including the GP
Federation, Bolton CVS, Bolton Council,
schools, and other VCSE organisations.
Counselling & Therapeutic Services
We have delivered extensive one-to-one
counselling for adults, young people, and
children. Over the past year, we supported
over 500 clients, typically receiving around
six sessions each. We provide sessions both
locally and nationally, and our Step 4 model
ensures services remain affordable,
accessible, and suitable for all beneficiaries.
We also continue to offer specialised
therapeutic interventions including:
•
CBT (Cognitive Behavioural Therapy)
•
Solution-Focused Brief Therapy
•
School-based counselling
•
Themed therapeutic support groups
Group Programmes & Community Projects
We successfully delivered a wide range of
group and community-based programmes,
including:
•
Walk, Talk & Empower sessions
•
Domestic Violence awareness
sessions
•
Art Therapy programmes
•
Teenage Talks
•
Knit & Natter
•
Creative Minds Projects
•
Various mental-health-focused
clinics and wellbeing sessions
We also designed an extensive suite of
mental health workshop materials to
enhance community education and
support.
CPD Training Programme
In line with our commitment to improving
mental health provision, Talk Changes
launched a CPD Training Programme for
counsellors, wellbeing practitioners, and
community workers, available via our
website atwww.talkchanges.co.uk.
The programme provides high-quality,
culturally sensitive, and trauma-informed
professional development on topics such
as:
•
Working with diverse and
marginalised communities
•
Trauma-informed practice
•
Mental health awareness
•
Cultural competence in therapy
•
Specialist therapeutic approaches
The CPD programme has strengthened local
capacity and contributed to upskilling
practitioners across the sector.
Workshops & School-Based Programmes
We have delivered community-based
workshops and partnered with schools to
offer sessions for parents and young
people, including_Positive Parenting_and
other wellbeing-focused programmes
designed to improve emotional, social, and
mental resilience.
Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit		 Para 1.18 The Trustees confirm that they have had
full regard to the guidance issued by the
Charity Commission on Public Benefit. This
guidance is referred to when reviewing the
charity’s aims and objectives and when
planning current and future activities. This
forms part of the Trustees’ annual review
and strategicplanning process.

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 Talk Changes has continued to expand and
strengthen its impact across Bolton,
Greater Manchester and Lancashire, and
expanding nationally. We have built a
model of accessible, culturally sensitive,
and trauma-informed mental health
support that benefits individuals, families,
and wider society.
Expansion of Therapeutic Services
We developed and expanded our 1:1
Psychotherapy and Counselling services.
While our core delivery remains within
Bolton and Greater Manchester, rising
demand means we now support clients
nationally. Our services provide vital
support to individuals experiencing mental
health challenges, including those from
disadvantaged and marginalised
communities.
We also collaborate closely with partner
organisations to enhance service delivery
and improve outcomes for beneficiaries,
ensuring they receive holistic, integrated
support.
Training, Placements & Educational
Partnerships
A significant achievement this year has
been the expansion of our trainee
programme, which supports the next
generation of counsellors and mental
health practitioners.
We have formed strong partnerships with:
•
Bolton College
•
Bury College
•
Salford University
•
Preston College
Through these partnerships, we offer
counselling placements, community
support placements, and opportunities for
trainees to gain frontline experience.
Several of our current staff members—
support workers, counsellors, and
volunteers—began their journey as
trainees and have successfullytransitioned
into employment within Talk Changes. This
contributes to local workforce
development and supports individuals
from diverse and underserved
communities into meaningful employment.
Community Reach and Engagement
Our public engagement continues to grow,
particularly online. Our Instagram platform
now has over 24,000 followers, managed
by dedicated volunteers who create
accessible content, share wellbeing
information, and provide signposting to
thousands of people across the UK each
day.
Organisational Growth
We have strengthened our internal
capacity, with a growing team comprising:
•
7 Counsellors
•
4 Support Workers
•
2 Social Media Volunteers
•
2 Events Coordinators
•
Additional volunteers
•
4 trainees
This increased staffing enables us to meet
rising demand while maintaining a high-
quality, person-centred service.
Quality Standards & Professional
Recognition
We achieved the Bolton Quality Mark,
becoming the youngest organisation to
receive this recognition, endorsed by
Bolton Council and Bolton University. This
award demonstrates our commitment to
delivering best practice and maintaining
high professional standards.
For the second consecutive year, Talk
Changes received a national certificate
recognising us as one of the leading
providers of 1:1 Counselling,
Psychotherapy, and CBT.
We are fully registered with the
Information Commissioner’s Office (ICO)
and operate in full compliance with data
protection and confidentiality regulations.
Additionally, we are CPD Accredited, and
have launched a comprehensive CPD
TrainingProgramme to support

counsellors, practitioners and community workers in their ongoing professional development. Professional Memberships We remain registered with the British Association for Counselling and Psychotherapy (BACP), ensuring we adhere to the highest standards of ethical and clinical practice.

Financial Review

Review of the charity’s
financial position at the end
of the period		 Para 1.21 The Charity’s total income amounted to
£50,096.28, of which £23,012.28 was
generated through the provision of
services, and £27,084.00 was generated
through Grants.
Expenditure during this year has increased
slightly specifically due to an increase in
marketing expenditure such as an
increased online presence through the
development of a new website and
outsourcing the management of social
media for the charity.
The charity can report a surplus of
£11,533.18 for the period 1stApril 2024 to
31stMarch 2025. Total funds carried
forward at 31stMarch 2025 were
£26,242.37.
Statement explaining the
policy for holding reserves
stating why they are held		 Para 1.22 We have no reserves as the funds received
are to provide the
therapeutic service for the individuals
within Bolton & Greater Manchester.
Amount of reserves held Para 1.22 None
Reasons for holding zero
reserves		 Para 1.22 Not applicable
Details of fund materially in
deficit		 Para 1.24 None
Explanation of any
uncertainties about the
charity continuing as a going
concern		 Para 1.23 Not applicable

Structure, Governance and Management

Description of charity’s
trusts:
Type of governing document
(trust deed,royal charter)		 Para 1.25 Constitution
How is the charity
constituted?
(e.g unincorporated
association,CIO)		 Para 1.25 CIO
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 Appointed

Reference and Administrative details

Charityname Talk Changes
Other name the charityuses
Registered charitynumber 1190271
Charity’s principal address Hamill House
112-116 Chorley New Road
Bolton
BL1 4DH

Names of the charity trustees who manage the charity

Trustee name Office (if any) Dates acted if not for
whole year		 Name of person
(or body) entitled
to appoint trustee
(if any)
1 Nadiya Solkar Whole year
2 Hafsana Munshi Whole year
3 Zeba Lokhat Whole year
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Funds held as custodian trustees on behalf of others Funds held as custodian trustees on behalf of others
Description of the assets
held in this capacity		 Not applicable
Name and objects of the
charity on whose behalf the
assets are held and how this
falls within the custodian
charity’s objects		 Not applicable
Details of arrangements for
safe custody and
segregation of such assets
from the charity’s own
assets		 Not applicable

Exemptions from disclosure

Reason for non-disclosure of key personnel details

Not applicable

Other optional information

Not applicable

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) HAFSANA MUNSHI Position (eg Secretary, TRUSTEE - TREASURER Chair, etc) Date 24/11/2025

Independent examiner's report on the accounts

Section A Independent Examiner’s Report

Report to the trustees/
members of
On accounts for the year
ended
Set out on pages
Responsibilities and
basis of report
Independent
examiner's statement		 Charity Name
Talk Changes		 Charity Name
Talk Changes		 Charity Name
Talk Changes
31 March 2025 Charity no
(if any)		 1190271
15 - 16
(remember to include the page numbers of additional sheets)
I report to the trustees on my examination of the accounts of the above
charity (“the Trust”) for the year ended31 / 03 / 2025.
As the charity's trustees, you are responsible for the preparation of the
accounts in accordance with the requirements of the Charities Act 2011
(“the Act”).
I report in respect of my examination of the Trust’s accounts carried out
under section 145 of the 2011 Act and in carrying out my examination, I
have followed all the applicable Directions given by the Charity Commission
under section 145(5)(b) of the Act.
I have completed my examination. I confirm that no material matters have
come to my attention in connection with the examination which gives me
cause to believe that in, any material respect:

I 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 enable a proper understanding of the accounts to be reached.

Date: 24/11/2025 Signed: Name: Ismail Namaji Address: A.N.Y. Accounting & Bookkeeping Services Ltd 26 Aycliffe Drive, Buckshaw Village, Chorley, Lancashire PR7 7GD

Oct 2018

1

IER

Section B Disclosure

Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts: directions and guidance for examiners).

Give here brief details of any items that the examiner wishes to disclose .

Oct 2018

2

IER

Talk Changes

Charity Name		 Talk Changes

Charity Name		 Talk Changes

Charity Name		 1190271
No (if any)		 1190271
No (if any)		 CC16a
For the period
from		 01/04/2024
Period start date		 To 31/03/2025
Period end date
Section A Receipts and payments
A1 Receipts Unrestricted
funds
to the nearest £
23,012
-
-
-
-
-
-
-

23,012
-
-
-
23,012
1,692
33,542
612
123
394
149
410
1,550
91
38,563
-
-
-
38,563
- 15,551
-
-
- 15,551		 Restricted
funds
to the nearest £
-
27,084
-
-
-
-
-
-
27,084
-
-
-
27,084
-
-
-
-
-
-
-
-
-
-
-
-
-
-
27,084
-
14,709
41,793		 Endowment
funds
to the nearest £		 Total funds
to the nearest £
23,012
27,084
-
-
-
-
-
-
50,096
-
-
-
50,096
1,692
33,542
612
123
394
149
410
1,550
91
38,563
-
-
-
38,563

11,533		 Last year
to the nearest £
Non cash donation for gifts or
services		 23,012 -
-
-
-
-
-
-
-
-		 23,012 19,763
Grants - 27,084 26,576
- - -
- - -
- - -
- - -
- - -
-
 - -
~~Sub total~~~~(Gross income for~~
AR)
23,012		 50,096 46,339
A2 Asset and investment sales,
(see table).
- -
-
-		 -
- - -
Sub total - - -
Total receipts
A3 Payments
- 50,096 46,339

Marketing		 1,692 -
-
-
-
-
-
-
-
-
-		 1,692 5,126
Wages 33,542 33,542 32,860
AccountancyFees 612 612 569
Software 123 123 331
Telephone & Internet 394 394 645
Insurance 149 149 136
Office Expenses 410 410 402
ConsultancyFees 1,550 1,550 2,500
Miscellaneous 91 91 389
**Sub total ** 38,563 38,563 42,958
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
- 38,563 42,958
- 15,551 27,084 -
11,533		 3,381
- - -
-		 - -
- 14,709 14,709 11,328
- 15,551 41,793 - 26,242 14,709

CCXX R1 accounts (SS)

22/11/2025

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
B5 Liabilities
B3 Investment assets
B2 Other monetary assets
B4 Assets retained for the
charity’s own use
B1 Cash funds		 Details
Details
Details
Total cash funds
(agree balances with receipts and payments
account(s))
Details
Bank Club & Society Account
Details
Signature		 Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
26,242
-
-
-
-
-
26,242
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
H. MUNSHI		 Endowment
funds
to nearest £
-
-
-
-
OK
Endowment
funds
to nearest £
-
-
-
-
-
-
Current value
(optional)
-
-
-
-
-
Current value
(optional)
-
-
-
-
-
-
-
-
-
When due
(optional)
Date of
approval
H. MUNSHI 24/11/2025

CCXX R2 accounts (SS)

22/11/2025

2