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2025-03-31-accounts

Trustees’ Annual Report for the period

From 01/04/2024 Period start date To 31/03/25 Period end date

Charity name: Enfield Churches Debt Centre

Charity registration number: 1191279

Objectives and Activities

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SORP reference
Summary of the purposes Para 1.17 The Trust has been incorporated as a Charitable
of the charity as set out in Incorporated Organisation (CIO) as Enfield
Churches Debt Centre (ECDC).
its governing document
The purpose of the ECDC is
a) The relief of poverty for persons in the
London Borough of Enfield (LBE) through
debt advice and support.
b) The advancement of education of the
public in all matters relating to the
management of their personal finances in
the LBE.
c) The advancement of the Christian Faith in
the LBE through care, compassion and
relevant practical and spiritual help
Summary of the main Para 1.17 and In this financial period ECDC gained links with
activities in relation to those 1.19 Churches to partner with the charity and to make a
financial commitment to support the charity for the
purposes for the public
public benefit
benefit, in particular, the
activities, projects or
services identified in the
accounts.
Statement confirming Para 1.18 The Trustees have had regard for the guidance
whether the trustees have issued by the Charity Commission in relation to
public benefit.
had regard to the guidance
issued by the Charity
Commission on public
benefit
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Additional information (optional)

You may choose to include further statements where relevant about:

SORP reference N/A Para 1.38 Policy on grant making

N/A Para 1.38 Policy on social investment including program related investment Befrienders assist the Debt Manager and Debt Coach when dealing with clients. Para 1.38 Contribution made by volunteers Other

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 Enfield Vineyard Church joined ECDC from 1st
October 2024. The combined group is operating as
Enfield Churches Debt Centre. The new group now
has a Manager who works with the already
appointed Debt Coach to contact Clients introduced
to the Debt Centre by CAP head office website. The
Manager and the Coach contact Clients to go
through their financial position and help them build a
budget to deal with their debt and eventually
become debt free. This process may involve the
activation of a Debt Relief Order in particular cases.
The Manager and Debt Coach are assisted by
appointed volunteer Befrienders who deal with
specific clients to help continuity and encourage the
client through each stage of the process.
The CIO is overseen by seven Trustees who hold
regular meetings. These meetings include the
review of finances and assess the progress of the
Manager and Debt Coach in their success in dealing
with clients through each stage of the debt free
process.
In addition, CAP (Christians Against Poverty) Money
courses of four weekly sessions are periodically run
and are available for Debt Centre clients and other
persons who register to be Participants via the CAP
website. Two courses were held in this period with
twelve Participants attending. One Job Club was
held in this period with six attendees completing the
course. Two have found work and two are
volunteering which helps their confidence. Two Life
Skills courses have been run serving fourteen
members who attended and completed the course.
During the financial year, £124,657.24 debt was
cleared through seven clients going debt free. Six of
these went through an insolvency route and one
through repayment. A total of twenty four first visits
were completed with twenty one becoming active
clients and fifteen have covered the whole process.
46% of these became debt free, the other 54% are
still working with us or are working independently.
A periodic newsletter is produced for distribution to
~~ittd ti~~
~~nerese pares~~

Additional information (optional)

You may choose to include further statements where relevant about:

Achievements against
objectives set		 Para 1.41 The Trustees are happy that the objectives of the
operation of the combined Debt Centre have been
met. The outstanding objectives include the
appointment of a Treasurer to replace the current
holder and the recruitment of at least another
Trustee to replace the two who resigned during the
year.
Performance of fundraising
activities against objectives
set		 Para 1.41 No specific objectives were set as such but mainly
to increase the reach of the Charity to other Enfield
Churches and individual donors to help with
financial support and also to recruit more
Befrienders.
This is an ongoing objective.
Investment performance
against objectives		 Para 1.41 N/A
Other

Financial Review

inancial Review
Review of the charity’s
financial position at the end
of the period		 Para 1.21 At the end of the fnancial period the Charity
had £35,925 in funds
Statement explaining the
policy for holding reserves
stating why they are held		 Para 1.22 A reserve is held to cover the costs of the Charity for
a period of 12 months after closure in accordance
with the agreement with CAP and to allow for notice
to be paid to Debt Centre workers
Amount of reserves held Para 1.22 £15,000
Reasons for holding zero
reserves		 Para 1.22 N/A
Details of fund materially in
deficit		 Para 1.24 N/A
Explanation of any
uncertainties about the
charity continuing as a
going concern		 Para 1.23 There are no uncertainties regarding the Charity
continuing as a going concern for the next eighteen
months. But during this period the Charity will
redouble its efforts to raise sufficient funding to
enable it to go forward thereafter.

Additional information (optional)

You may choose to include further statements where relevant about:

The charity’s principal
sources of funds (including
any fundraising)		 Para 1.47 The Charity’s main source of funds is from partner
Churches who commit to regular giving to support
the aims of the ECDC, and from grants to enable
the Charity to continue and expand its activities.
Investment policy and
objectives including any
social investment policy
adopted		 Para 1.46 N/A
A description of the principal
risks facing the charity		 Para 1.46 The principal risks to the ECDC are lack of funding
from local Churches and a lack of volunteers and
employees to carry out the work of the Charity.
Other

Structure, Governance and Management

Description of charity’s
trusts:
Type of governing document
(trust deed, royal charter)
Para 1.25		 The Constitution of the Trust
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 The Trustees are appointed having regard to the
skills, knowledge and experience required for the
successful running of the ECDC. Trustees are
appointed by resolution at a Trustees meeting and
hold a term of a minimum of three years with the
exception of the first appointments, some of which
were for one year and two years to ensure the terms
of service of all Trustees did not expire together.

Additional information (optional)

You may choose to include further statements where relevant about:

Policies and procedures
adopted for the induction
and training of trustees		 Para 1.51
The charity’s organisational
structure and any wider
network with which the
charity works		 Para 1.51 ECDC is partnering with Enfield Vineyard Church
(EVC) and Christians Against Poverty (CAP UK)
Relationship with any
related parties		 Para 1.51
Other

Reference and Administrative details

Charity name Enfield Churches Debt Centre
Other name the charity
 ECDC
~~uses~~
Registered charity number 1191279
Charity’s principal address 47 London Road
Enfield
EN2 6DS

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
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20		 Nick Chanda Chair
Katharine
Bleasdale-Barr
Hayley
Harding
Peter Dufton
Peter
Desmond
Robert Bell
Jamie Parnell Appointed 25/07/24
Resigned
Trustees
Brian Robson Resigned 20/08/24
Kumar
Rajagopalan		 Resigned 28/10/24

Corporate trustees – names of the directors at the date the report was approved

Director name

Name of trustees holding title to property belonging to the charity

Trustee name Dates acted if not for whole
year

Funds held as custodian trustees on behalf of others

Description of the assets held in this capacity Name and objects of the charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for safe custody and segregation of such assets from the charity’s own assets

Additional information (optional)

Names and addresses of advisers (Optional information)

Type of Name Address adviser

Name of chief executive or names of senior staff members (Optional information)

Exemptions from disclosure

Reason for non-disclosure of key personnel details

Other optional information

Declarations

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Katharine Bleasdale-Barr Peter Desmondsmond Full name(s) Katharine Bleasdale-Barr Peter Desmond Position (eg Secretary Trustee Secretary, Chair, etc) Date 15 January 2026

Charity Name Charity Name Charity Name Charity Name Charity Name No(if any) No(if any) CC16a
ECDC 1191279
Receipts andpayments accounts
For the period
from		 Period start date To Period end date
4/1/24 3/31/25
Section A Receipts and payments
Unrestricted
funds		 Restricted funds Endowment
funds		 Total funds Last year
to the nearest £ to the nearest £ to the nearest £ to the nearest £ to the nearest £
A1 Receipts
Churches 13,337 - - 13,337 11,467
Individuals 6,720 - - 6,720 1,440
One off - - - -
Gift Aid 660 - - 660 240
Grant - 0 - - - 4,800
Misc 1,679 - - 1,679 639
Interest 470 - - 470 288
- 0 - - - -
Sub total_(Gross income for AR) _
22,867		 - - 22,867 18,874
A2 Asset and investment sales, (see
table).
- 0 - 0 - 0 -
- 0 - 0 - 0 - - 0
Sub total
- 0		 - 0 - 0 - - 0
**Total receipts **
22,867		 - 0 - 0 22,867 18,874
A3 Payments
CAP UK 5,440 - - 5,440 3,200
Salaries 14,306 - - 14,306 5,940
PAYE 1,332 - - 1,332 212
Pension cons 1,230 - - 1,230 146
Management & Professional fees 2,668 - - 2,668 4,280
Insurance - 0 - - - 349
Mobiles & computer 406 - - 406 609
Travel & subsistence 190 - - 190 327
Printing & Sundries 800 800 418
Transfer to savings account - 0 - - - 5,000
**Sub total **
26,371		 - - 26,371 20,481
A4 Asset and investment purchases,
(see table)
- 0 - 0 - 0 -
- 0 - 0 - 0 -
**Sub total **
- 0		 - 0 - 0 - - 0
**Totalpayments **
26,371		 - 0 - 0 26,371 20,481
**Net of receipts/(payments) ** -
3,503		 - - -
3,503		 -
1,607
A5 Transfers between funds - 5,000
A6 Cash funds last year end 39,428 - - 39,428 36,035
**Cash funds thisyear end **
35,925		 - - 35,925 39,428
Section B Statement of assets and liabilities at the end of the period
Categories Details Unrestricted
funds		 Restricted funds Endowment
funds
to nearest £ to nearest £ to nearest £
B1 Cash funds Current a/c 6,635 - -
Savings a/c 29,290 - -
- - -

CCXX R1 accounts (SS)

29/12/2025

1

Total cash funds Total cash funds Total cash funds 35,925 - - -
(agree balances with receipts and payments
account(s))		 OK OK
Unrestricted
funds		 Restricted funds Endowment
funds
Details to nearest £ to nearest £ to nearest £
B2 Other monetary assets - - -
- - -
- - -
- - -
- - -
- - -
Details Fund to which asset
belongs		 Cost (optional) Current value
(optional)
B3 Investment assets - -
- -
- -
- -
- -
Details Fund to which asset
belongs		 Cost (optional) Current value
(optional)
B4 Assets retained for the
charity’s own use		 - -
- -
- -
- -
- -
- -
- -
- -
- -
Details Fund to which
liability relates		 Amount due
(optional)		 When due
(optional)
B5 Liabilities HMRC PAYE 865 25 April 2025
Independent Examiner fee Management &
Professional fees		 100 <1 year
Pension cons Pension cons 246 02 April 2025
-
-
Signed by one or two trustees on behalf of
all the trustees		 Signature Print Name Date of approval
Kathaine Bleasdale-Ba Katharine Bleasdale-Barr 15 January 2026
Pete Desmodsmod Peter Desmond 15 January 2026

CCXX R2 accounts (SS)

29/12/2025

2

Independent examiner's report on the accounts

Section A

Independent Examiner’s Report

Report to the trustees/ Charity Name ENFIELD CHURCHES DEBT CENTRE members of

On accounts for the year 31 MARCH 2025 ended

Charity no 1191279 (if any)

Set out on pages

(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 .

Responsibilities and As the charity trustees of the Trust, you are responsible for the preparation of basis of report 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 the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

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

Signed:

Date: 20/01/2026

Name: Pascale KINGNE

1

October 2018

IER

Relevant professional ACCA (Association of Chartered Certified Accountants) fully qualified qualification(s) or body (if any):

Address: 71-75 Shelton Street Covent Garden, London, England, WC2H 9JQ

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

2

October 2018

IER

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

3

October 2018

IER