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2025-06-30-accounts

COMPANY REGISTRATION NUMBER: 12484007 CHARITY REGISTRATION NUMBER: 1191185

Seaquins (Westcliff) Company Limited by Guarantee Unaudited Financial Statements 30 June 2025

LEVENSONS LTD

Chartered Certified Accountants Rico House George Street Manchester M25 9WS

Seaquins (Westcliff)

Company Limited by Guarantee

Financial Statements

Year ended 30 June 2025

Page
Trustees' annual report (incorporating the director's report) 1
Independent examiner's report to the trustees 4
Statement of financial activities (including income and
expenditure account) 6
Statement of financial position 7
Notes to the financial statements 9
The following pages do not form part of the financial statements
Detailed statement of financial activities 19
Notes to the detailed statement of financial activities 20

Seaquins (Westcliff)

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report)

Year ended 30 June 2025

The trustees, who are also the directors for the purposes of company law, present their report and the unaudited financial statements of the charity for the year ended 30 June 2025.

Reference and administrative details

Registered charity name Seaquins (Westcliff) Charity registration number 1191185 Company registration number 12484007 Principal office and registered 41 Anerley Road office Westcliff-On-Sea Essex SS0 7HJ

The trustees

Mr A Galitzky Mr J Klein Mrs S Grunnfeld Mr SB Kornbluh Independent examiner Yisroel Levenson FCCA CTA Rico House George Street Manchester M25 9WS

Structure, governance and management

Governing document

The Memorandum and Articles dated 26 February 2020 as amended by special resolutions on 14 August 2020 and 23 February 2021.

1

Seaquins (Westcliff)

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 June 2025

Objectives and activities

Objectives and aims

To advance the Jewish religion, particularly in Westcliff, for the benefit of the public through the holding of prayer meetings, lectures and celebration of religious festivals. To provide or assist in the provision of facilities in the interests of social welfare for recreation or other leisure time occupation of individuals who have need of such facilities by reason of their youth, age, infirmity or disability, financial hardship or social circumstances with the object of improving their conditions of life, for the public benefit. Public benefit

The trustees confirm their compliance with the duty to have regard to the Public Benefit guidance published by the Charity Commission when reviewing the Charity's aims and objectives in planning future activities. Social investments In recent years, a new community of Orthodox Jewish families was established in Westcliff, comprising of Chassidim from the Belz, Viznitz, Skver, and Slonim ethnic groups. There are currently over 80 families residing in the town. Seaquins (Westcliff) provides activities for young children aged two to seventeen and their families. Our project users have a unique set of cultural, language (Yiddish) and religious requirements that mean very few, if any, would contact a mainstream provision. This results in them not getting the support they need. Despite all the challenges experienced over the last year, Seaquins (Westcliff) has been able to deliver an amazing array of services and support to the Orthodox Jewish young people in Westcliff. The majority of families within the community have no access to TV and limited access to the internet. Therefore, the community, and its local organisations, had a huge learning curve in being able to adapt to and adopt new digital styles of communications in place of the familiar face-to-face community gatherings. This in itself created huge anxiety and stress, but Seaquins (Westcliff) was able to create connections, share its knowledge, provide reassurance, as well as delivering training in new skills and in training new volunteers.

Strategic report

The following sections for achievements and performance and financial review form the strategic report of the charity.

Achievements and performance

Charitable activities

These activities have helped to bring youth together to build friendships and to be physically active. It helps them to work together and to learn new skills. All of which help to reduce isolation and strengthen ties across the community. - Family support We have supported various families with mentoring and parenting guidance, providing advice and reassurance around family issues. We have signposted for professional support as and when required.

2

Seaquins (Westcliff)

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 June 2025

Financial review

Income from donations etc totalled £457,913 (2024 - £442,498). Expenditure in furtherance of charitable activities aggregated £389,338 (2024 - £268,611) resulting in net income of £68,575 (2024 - £173,887). The financial results of the charity's activities for the year to 30 June 2025 are fully reflected on pages 8 and 9 of the Financial Statements together with the notes thereon.

The trustees' annual report and the strategic report were approved on 4 February 2026 and signed on behalf of the board of trustees by:

Mr SB Kornbluh Trustee

3

Seaquins (Westcliff)

Company Limited by Guarantee

Independent Examiner's Report to the Trustees of Seaquins (Westcliff)

Year ended 30 June 2025

I report to the trustees on my examination of the financial statements of Seaquins (Westcliff) ('the charity') for the year ended 30 June 2025.

Responsibilities and basis of report

As the trustees of the company (and also its directors for the purposes of company law) you are responsible for the preparation of the financial statements in accordance with the requirements of the Companies Act 2006 ('the 2006 Act’).

Having satisfied myself that the accounts of the company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of the charity’s accounts as carried out under section 145 of the Charities Act 2011 (‘the 2011 Act’). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

Since the charity’s gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the 2011 Act. I confirm that I am qualified to undertake the examination because I am a member of the Association of Chartered Certified Accountants, which is one of the listed bodies.

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe:

  1. accounting records were not kept in respect of the charity as required by section 386 of the 2006 Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do not comply with the accounting requirements of section 396 of the 2006 Act 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; or

  4. the financial statements have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102).

4

Seaquins (Westcliff)

Company Limited by Guarantee

Independent Examiner's Report to the Trustees of Seaquins (Westcliff) (continued)

Year ended 30 June 2025

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.

Yisroel Levenson FCCA CTA Independent Examiner

Rico House George Street Manchester M25 9WS

4 February 2026

5

Seaquins (Westcliff)

Company Limited by Guarantee

Statement of Financial Activities (including income and expenditure account)

Year ended 30 June 2025

2025 2024
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 5 300,665 93,415 394,080 426,878
Investment income 6 63,833 63,833 15,620
��������� �������� ��������� ���������
Total income 364,498 93,415 457,913 442,498
��������� �������� ��������� ���������
Expenditure
Expenditure on raising funds:
Costs of raising donations and
legacies 7 495 495
Expenditure on charitable activities 8,9 296,266 92,577 388,843 268,611
��������� �������� ��������� ���������
Total expenditure 296,761 92,577 389,338 268,611
��������� �������� ��������� ���������
��������� �������� ��������� ���������
Net income and net movement in funds 67,737 838 68,575 173,887
��������� �������� ��������� ���������
Reconciliation of funds
Total funds brought forward 428,727 41,234 469,961 296,074
��������� �������� ��������� ���������
Total funds carried forward 496,464 42,072 538,536 469,961
��������� �������� ��������� ���������

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 9 to 17 form part of these financial statements.

6

Seaquins (Westcliff)

Company Limited by Guarantee

Statement of Financial Position

30 June 2025

2025 2024
Note £ £
Fixed assets
Tangible fixed assets 16 2,482,712 1,909,223
Current assets
Debtors 17 50,502 50,502
Cash at bank and in hand 12,418 2,443
�������� ��������
62,920 52,945
Creditors: amounts falling due within one year 18 686,164 170,623
��������� ���������
Net current liabilities 623,244 117,678
������������ ������������
Total assets less current liabilities 1,859,468 1,791,545
Creditors: amounts falling due after more than one year 19 1,320,932 1,321,584
������������ ������������
Net assets 538,536 469,961
������������ ������������
Funds of the charity
Restricted funds 42,072 41,234
Unrestricted funds 496,464 428,727
��������� ���������
Total charity funds 20 538,536 469,961
��������� ���������

For the year ending 30 June 2025 the charity was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies' regime.

The statement of financial position continues on the following page. The notes on pages 9 to 17 form part of these financial statements.

7

Seaquins (Westcliff)

Company Limited by Guarantee

Statement of Financial Position (continued)

30 June 2025

These financial statements were approved by the board of trustees and authorised for issue on 4 February 2026, and are signed on behalf of the board by:

Mr SB Kornbluh Trustee

The notes on pages 9 to 17 form part of these financial statements.

8

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements

Year ended 30 June 2025

1. General information

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is 41 Anerley Road, Westcliff-On-Sea, Essex, SS0 7HJ.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Companies Act 2006.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

9

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

3. Accounting policies (continued)

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

10

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

3. Accounting policies (continued)

Tangible assets (continued)

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Fixtures and fittings - 25% reducing balance

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cashgenerating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

11

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

3. Accounting policies (continued)

Financial instruments (continued)

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

4. Limited by guarantee

In event of the charity being dissolved, the liability of each member towards the debts, liabilities and costs of the charity is restricted to £1.

5. Donations and legacies

Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Donations
Donations 300,665 93,415 394,080
��������� �������� ���������
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Donations
Donations 293,118 133,760 426,878
��������� ��������� ���������

12

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

6. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Income from investment properties 63,833 63,833 15,620 15,620
�������� �������� �������� ��������
7. Costs of raising donations and legacies
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Costs of raising donations and legacies
- Other type 1 495 495
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8. Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Activities 88,292 39,502 127,794
Support costs 207,974 53,075 261,049
��������� �������� ���������
296,266 92,577 388,843
��������� �������� ���������
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Activities 48,707 35,510 84,218
Support costs 127,378 57,016 184,393
��������� �������� ���������
176,085 92,526 268,611
��������� �������� ���������
9. Expenditure on charitable activities by activity type
Activities
undertaken Grant funding Total funds Total fund
directly of activities Support costs 2025 2024
£ £ £ £ £
Activities 96,894 30,900 261,049 388,843 268,611
�������� �������� ��������� ��������� ���������
10. Analysis of support costs
Analysis of
support costs
activity 1 Total 2025 Total 2024
£ £ £
Governance costs 261,049 261,049 184,393
��������� ��������� ���������

13

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

11. Analysis of grants
2025 2024
£ £
Grants to institutions
Grants to institutions type 1 28,900 21,220
Grants to individuals
Grants to individuals type 1 2,000 27,245
�������� ��������
Total grants 30,900 48,465
�������� ��������
12. Net income
Net income is stated after charging/(crediting):
2025 2024
£ £
Depreciation of tangible fixed assets 7,393 9,857
������� �������
13. Independent examination fees
2025 2024
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 1,080 960
������� ����
14. Staff costs
The total staff costs and employee benefits for the reporting period are analysed as follows: The total staff costs and employee benefits for the reporting period are analysed as follows: The total staff costs and employee benefits for the reporting period are analysed as follows:
2025 2024
£ £
Wages and salaries 70,288 35,725
Other employee benefits 7,230 7,100
�������� ��������
77,518 42,825
�������� ��������
The average head count of employees during the year was 7 (2024: 5). The average number o
full-time equivalent employees during the year is analysed as follows:
2025 2024
No. No.
Number of staff - type 1 7
����
5
����

The average head count of employees during the year was 7 (2024: 5). The average number of full-time equivalent employees during the year is analysed as follows:

No employee received employee benefits of more than £60,000 during the year (2024: Nil).

15. Trustee remuneration and expenses

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

14

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

16. Tangible fixed assets

Freehold Fixtures and
property fittings Total
£ £ £
Cost
At 1 July 2024 1,879,651 39,429 1,919,080
Additions 580,882 580,882
������������ �������� ������������
At 30 June 2025 2,460,533 39,429 2,499,962
������������ �������� ������������
Depreciation
At 1 July 2024 9,857 9,857
Charge for the year 7,393 7,393
������������ �������� ������������
At 30 June 2025 17,250 17,250
������������ �������� ������������
Carrying amount
At 30 June 2025 2,460,533 22,179 2,482,712
������������ �������� ������������
At 30 June 2024 1,879,651 29,572 1,909,223
������������ �������� ������������
17. Debtors
2025 2024
£ £
Other debtors 50,502 50,502
�������� ��������
18. Creditors: amounts falling due within one year
2025 2024
£ £
Trade creditors 58,459 (1)
Other creditors 627,705 170,624
��������� ���������
686,164 170,623
��������� ���������
19. Creditors: amounts falling due after more than one year
2025 2024
£ £
Bank loans and overdrafts 1,320,932 1,321,584
������������ ������������

15

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

20. Analysis of charitable funds

Unrestricted funds
At
At 1 July 2024 Income Expenditure 30 June 2025
£ £ £ £
General funds 428,727 364,498 (296,761) 496,464
��������� ��������� ��������� ���������
At
At 1 July 2023 Income Expenditure 30 June 2024
£ £ £ £
General funds 296,074 308,738 (176,085) 428,727
��������� ��������� ��������� ���������
Restricted funds
At
At 1 July 2024 Income Expenditure 30 June 2025
£ £ £ £
Restricted Fund 1 - desc in a/cs 41,234 1 41,235
Restricted Fund 2 - desc in a/cs 93,415 (92,578) 837
�������� �������� �������� ��������
41,234 93,415 (92,577) 42,072
�������� �������� �������� ��������
At
At 1 July 2023 Income Expenditure 30 June 2024
£ £ £ £
Restricted Fund 1 - desc in a/cs
Restricted Fund 2 - desc in a/cs 133,760 (92,526) 41,234
���� ��������� �������� ��������
133,760 (92,526) 41,234
���� ��������� �������� ��������

16

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 June 2025

21. Analysis of net assets between funds

Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Tangible fixed assets 2,482,712 2,482,712
Current assets 20,849 42,071 62,920
Creditors less than 1 year (686,164) (686,164)
Creditors greater than 1 year (1,320,932) (1,320,932)
������������ �������� ������������
Net assets 496,465 42,071 538,536
������������ �������� ������������
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Tangible fixed assets 1,909,223 1,909,223
Current assets 11,711 41,234 52,945
Creditors less than 1 year (170,623) (170,623)
Creditors greater than 1 year
������������ �������� ������������
Net assets 1,750,311 41,234 1,791,545
������������ �������� ������������

17

Seaquins (Westcliff)

Company Limited by Guarantee

Management Information

Year ended 30 June 2025

The following pages do not form part of the financial statements.

18

Seaquins (Westcliff)

Company Limited by Guarantee

Detailed Statement of Financial Activities

Year ended 30 June 2025

2025 2024
£ £
Income and endowments
Donations and legacies
Donations 394,080 426,878
��������� ���������
Investment income
Income from investment properties 63,833 15,620
�������� ��������
��������� ���������
Total income 457,913 442,498
��������� ���������
Expenditure
Costs of raising donations and legacies
Purchases 495
��������� ���������
Expenditure on charitable activities
Purchases 58,929 28,216
Wages and salaries 70,288 35,725
Other post-retirement benefits 7,230 7,100
Rent 5,200 3,400
Rates and water 4,613 600
Light and heat 14,083 2,506
Repairs and maintenance 4,385 10,000
Insurance 3,712 2,470
Other motor/travel costs 9,526 5,031
Legal and professional fees 7,293 24,623
Telephone 576 528
Other office costs 37,111 11,689
Depreciation 7,393 9,857
Interest on bank loans and overdrafts 127,604 78,401
DetailedSOFAExpenditureOnCharitableActivitiesType2H 30,900 48,465
��������� ���������
388,843 268,611
��������� ���������
��������� ���������
Total expenditure 389,338 268,611
��������� ���������
��������� ���������
Net income 68,575 173,887
��������� ���������

19

Seaquins (Westcliff)

Company Limited by Guarantee

Notes to the Detailed Statement of Financial Activities

Year ended 30 June 2025

2025 2024
£ £
Costs of raising donations and legacies
Costs of raising donations and legacies - Other type 1
Other type 1 - purchases 495
���� ����
���� ����
Costs of raising donations and legacies 495
���� ����
Expenditure on charitable activities
Activities
Activities undertaken directly
Direct charitable activities - purchases 58,929 28,216
Direct charitable activity 1 - rates & water 4,613
Direct charitable activities - light & heat 14,083 2,506
Direct charitable activities - other motor/travel costs 9,526 5,031
Direct charitable activity 1 - legal and professional fees 4,900
Direct charitable activity 1 - other office costs 4,843
�������� ��������
96,894 35,753
�������� ��������
Grant funding activities
Grant charitable activities - other 30,900 48,465
�������� ��������
Support costs
Support charitable activities - wages/salaries 70,288 35,725
Support charitable activities - other employee benefits 7,230 7,100
Support charitable activities - rent 5,200 3,400
Support charitable activities - rates & water 600
Support charitable activities - repairs & maintenance 4,385 10,000
Support charitable activities - insurance 3,712 2,470
Support charitable activities - legal and professional fees 2,393 24,623
Support charitable activities - telephone 576 528
Support charitable activities - other office costs 32,268 11,689
Support charitable activities - depreciation 7,393 9,857
Support charitable activities - interest on bank loans and overdrafts 127,604 78,401
��������� ���������
261,049 184,393
��������� ���������
��������� ���������
Expenditure on charitable activities 388,843 268,611
��������� ���������

20