**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 ended**31 / 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:||| - the accounting records were not kept in accordance with section 130 of the Charities Act; or - the accounts did not accord with the accounting records; or - the accounts did not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair’ view which is not a matter considered as part of an independent examination. 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