## **Trustees’ Annual Report for the period** **From 1 January 2024 Period start date To Period end date** ## **31 December 2024** ## **Charity name: Chippenham CAP Centre** ## **Charity registration number: 1192100** ## **Objectives and Activities** ||SORP reference|| |---|---|---| |Summary of the purposes of
the charity as set out in its
governing document|Para 1.17|**The objects of the CIO are for the public**
**benefit:**
**(a) the relief of poverty for persons**
**generally in, but not exclusively, the**
**Chippenham and surrounding area of**
**Wiltshire who are in conditions of need,**
**hardship or distress by reason of their**
**social and or economic circumstances by**
**providing and promoting the provisions**
**of advice and other services as the**
**trustees of the charity may from time to**
**time think fit;**
**(b) the advancement of education of the**
**public in, but not exclusively, the**
**Chippenham and surrounding area of**
**Wiltshire in all matters relating to the**
**management of their personal finances**
**as the trustees may from time to time**
**think fit;**
**(c) the advancement of the Christian faith**
**through care, compassion and relevant**
**practical and spiritual help as the**
**trustees may from time to time think fit.**| |Summary of the main
activities in relation to those
purposes for the public|Para 1.17 and
1.19|**The main activities of the Charity were**
**fulfilled through the employment of a**
**debt centre manager and a debt centre**| |benefit, in particular, the
activities, projects or services
identified in the accounts.||**coach who, during the reporting period,**
**was trained and mentored by the national**
**CAP charity.**
**Within the reporting period, the centre**
**manager and coach undertook or**
**facilitated the activities described below**
**in this report.**
**The charity receives referrals for the**
**services of the centre manager from NHS,**
**Salvation Army, DWP, Turning Point,**
**Doorway and the national CAP charity,**
**who work alongside the centre manager**
**to provide Debt Counselling and Debt**
**Advice to individuals looking to be free**
**from long-term structural debt, deal with**
**urgent debt problems and resolve**
**outstanding issues with creditors.**
**Beyond this, the Charity has also runs a**
**weekly café, delivers the CAP Money**
**course, a three week program of training**
**for individuals to learn how to manage**
**money and finances and learn how to**
**save for future budgeted needs.**
**A client says “Before contacting CAP, I**
**was feeling scared, depressed and**
**anxious. I would not answer a knock on**
**the door. I waited years before seeking**
**help. Chippenham CAP Centre explained**
**my options in an easy to understand way.**
**Now I have gone debt free I feel a relief**
**and freer. The Chippenham CAP Centre**
**was friendly, caring and understood my**
**situation”**| |---|---|---| |Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit|Para 1.18|**The Trustees have read and have regard**
**to the guidance from the Charity**
**Commission on public benefit.**
**All activities and work of the Charity are**
**undertaken with consideration of the**
**public benefit they are to provide and**
**with the intention of maximising that**| **benefit and the impact of the Charity.** ## **Additional information (optional)** You may choose to include further statements where relevant about: SORP reference **The Charity is not, principally, a grant making charity.** Para 1.38 Policy on grant making **The Charity does however hold a small fund provided by a corporate donor intended to provide small items of food and or meet immediate financial needs. N/A** Para 1.38 Policy on social investment including program related investment **Volunteers provide essential support to the work of the Charity. Currently volunteers:** Para 1.38 Contribution made by volunteers **- Act as befrienders to those accessing the support of the Charity, providing a point of contact for the service users to provide emotional support to those dealing with debt. - Help run the weekly café - Deliver food parcels - Train as money coaches to deliver essential training on budgeting, saving and money management. - Assist in fundraising.** ## **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|**During the reporting period, the Charity**
**received referrals for its services from**
**the following organisations:**
**SEETEC**
**The Rise Trust**
**Word of mouth**
**Doorway**
**Website**
**Chippenham Job centre**
**Wiltshire Council Adult Social Care Team**
**Centre of Independent Living**
**CAP Poster**
**In the period the Charity worked with and**
**supported 377 individual cases. This**
**includes debt help for whole families, a**
**large number of participants in money**
**coaching courses, drop ins from**
**attending the job centre weekly and drop**
**ins from attendance at the CAP café.**| ## **Financial Review** ||Review of the charity’s
financial position at the end
of the period|Para 1.21|**In 2024 the operation cost of the debt**
**centre was £35,596 at the current levels**
**of staffing to service the current level of**
**those accessing its services. This**
**provides for a monthly cost of £2966.**
**At the end of December 2024 the Charity**
**had regular monthly income of 67% of its**
**monthly costs, but had secured sufficient**
**grant funding to cover its operations.**|| |---|---|---|---|---| |||**The Charity is therefore in a reasonable**
**financial position for the short term, but**
**will be focused in2025 on increasing its**
**monthly income from other sources.**| |---|---|---| |Statement explaining the
policy for holding reserves
stating why they are held|Para 1.22|**The Charity aims to hold sufficient**
**reserves to cover 3 months of its running**
**costs, in order to cover staffing and**
**administrative costs should it become**
**clear there were insufficient funds for the**
**Charity to continue its operations.**| |Amount of reserves held|Para 1.22|**£4300**| |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|**None**| ## **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 benefitted from, and is**
**grateful for substantial grants in 2024**
**from:**
**1) Wiltshire Community Foundation**
**2) Chippenham Borough Lands Charity**
**3) Wessex Water**
**The Charity also benefitted from regular**
**monthly donations under the Gift Aid**
**Scheme**
**The Charity is happy to accept legacy**
**gifts, grants from Donor Advised Funds**
**and Match Funding.**| |---|---|---| |||**N/A**| Investment policy and objectives including any social investment policy Para 1.46 adopted **Limitation of grants due to matters outside the control of the Charity, e.g. reduction in available funds for grants, cessation of charitable giving.** A description of the principal risks facing the charity Para 1.46 Other ## **Structure, Governance and Management** |Description of charity’s
trusts:||| |---|---|---| |Type of governing document
(trust deed, royal charter)|Para 1.25|**Constitution for a Foundation CIO**| |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|**Trustees are identified and selected for**
**their skills and suitability by the current**
**trustees and with a mind to the skills and**
**connections the charity may need in the**
**future.**| ## **Reference and Administrative details** |Charity name|Chippenham CAP Centre| |---|---| |Other name the charity uses|none| |Registered charity number|1192100| |Charity’s principal address|37 Bremhill
Nr Calne
Wiltshire
SN11 9LD| ||| ## **Names of the charity trustees who manage the charity** ||1
2
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7
8
9
1
0
1
1
1
2
1
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1
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0|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**
**year**|**Name of**
**person (or**
**body)**
**entitled to**
**appoint**
**trustee (if**
**any)**| |---|---|---|---|---|---| |||David Jeffrey|Chair||| |||TimothyJones|||| |||AndyCordle|||| |||Miriam Ovens|||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| ||||||| – 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 adviser**
**Name**
**Address**|**Type of adviser**
**Name**
**Address**|**Type of adviser**
**Name**
**Address**| |---|---|---|---| ||**Financial Limited 48**|**Watchman Accountants**|**The Causeway,**
**Chippenham, Wiltshire,**
**SN15 3DD**| ||||| ||||| ||||| ||**Name of chief executive or names of senior staff members (Optional**
**information)**||| ||Maria Baker, Centre Manager||| ## **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) Full name(s)** Dave Jeffrey **Position (eg** Chair **Secretary, Chair, etc) Date** 8 October 2025 |Chippenham CAP Centre CIO - Income and Expenditure Summary
01 January to 31 December 2024||||| |---|---|---|---|---| |||||| |2024|Inco
me|Expen
diture|Bank
Balance|Date| ||||18379.5
3|01/0
1/24| |Trust Donations|1500
0|||| |Church Donations|1770|||| |Gift Aid Donations|6341|||| |Non Gift Aid Donations|3044
.07|||| |Acts 435|1923
.9|||| |Special Events|162.
67|||| |Gift Aid|5872
.11|||| |Interest|33.2
9|||| |Salary, Tax, NI & Pensions||26390||| |CAP Fees||3600||| |Bank Fees||60||| |Expenses||4238||| |Payrol/Admin/Insurance/Acts||2121||| ||||16117.6
8|31/1
2/24| |Totals|3414
7.04|36409||| ## |Section A
Ind|Section A
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