## **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** **----- Start of picture text -----**
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
**----- End of picture text -----**
## **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: - accounting records were not kept in accordance with section 130 of the Act or - the accounts do not accord with the accounting records 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**