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2024-12-31-accounts

REPORT OF THE TRUSTEES & UNAUDITED FINANCIAL STATEMENTS

For the period ended 31st December 2024

CONTENTS 3 - 27

Report of the Trustees

28 29

Independent Examiner’s Report
Statement of Financial Activities

30 - 32 38

Balance Sheet

Notes to the Financial Statements

people, making the most of each day, and practising gratitude. FULL BLEED PHOTO Talk Club has given me the tools I need to

Report of the Trustees - period ending 31st December 2024

OUR MISSION

A community that supports
every man to be mentally fit.
4
Report of the Trustees - period ending 31st December 2024

INTRODUCTION

By Steven Dodds - Trustee
In 2023/24, Talk Club continued its progress from
an innovative start-up charity to an organisation
with longer-term sustainability and impact at its
core.
This progress included re-structuring its staff
team and delivering digital support for our most
important asset, the over 120 Captains that deliver
the charity’s work around the country.
In September 2024, the charity’s first ‘Impact
survey’, the results of which are throughout this
review, documented the many positive benefits of
Talk Club for participants, with 94% of survey
responders reporting a positive impact.
Talk Club also strengthened the Trustee
board with expert appointments in HR, mental
health, income generation, law, business
development, IT and Safeguarding.  I am very
grateful to all the Board for their support
of the charity.
In a challenging economic environment, the
income generated for the calendar year 2024
was very similar to 2023, (£273,000 vs
£283,000), demonstrating the charity can
consistently raise the funds needed to
operate.  Improving the charity’s ability to
raise funds so it can invest in its staff
team remains a key task.
The research also showed that Talk Club’s
‘continuity of care’ (the charity’s model of
offering progressively more significant mental
fitness support to those that need it), works.
Talk Club’s therapist-led group therapy continues
to grow, with 74% of participants having originally
attended a peer-led ‘Talk & Listen’ group.
Core to Talk Club’s progress is its
accessible format, distinct brand and a
committed team of staff, Captains, trustees,
donors, partners, ambassadors and friends
who share the same values.  We are all
working to strengthen Talk Club’s ability to
deliver a mentally-fit society.
The charity also expanded its peer-led work into
male prisons and now operates Talk & Listen groups
in 13 prisons around the country.  This work has
seen remarkable results, with HMP Bristol reporting
a 50% reduction in self-harm amongst attendees.
Thank you to everyone who has
played their part.
Steven
Report of the Trustees - period ending 31st December 2024
‘There has been such a positive impact with
my social interactions and relationships
being much improved and work is positive
again. To see the change within myself over
my time in Talk Club has been immense. I
feel so much more confident now than when I
first joined the club and the club makes me
remember that here is an incredible band of
men out there who care.’
Anonymous Talk Club Attendee

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Report of the Trustees - period ending 31st December 2024
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FULL BLEED PHOTO
94%
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The percentage of
Talk Club users who
experienced a
positive impact,
improving their
mental health
‘a great deal’
and ‘to some extent’.
Report of the Trustees - period ending 31st December 2024

YEAR AT A GLANCE

How we empowered communities
TC Win Men & Boys
Coalition Award
Nov ’23

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New TC Website
Dec ’23
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Captain’s
Toolkit
Complete
Dec ‘24
TC Prison Support
First Captains Trained
June ’24
Report of the Trustees - period ending 31st December 2024

IMPACT PEOPLE CAN COUNT ON

The percentage of attendees reporting a positive impact
on specific areas of their life.

83% 70% 94% 84% 88%

RELATIONSHIPS

WORK

MOOD

SOCIAL LIFE

SELF-ESTEEM

Data collected from the TC Big Survey 2024
Report of the Trustees - period ending 31st December 2024

Year at a glance continued

Activity Report

Objectives and activities

The Charity's objectives are to promote and
protect the physical and mental health of men,
in particular, but not exclusively, by:

Public benefit statement

Exercise.
Not feeling
alone.

IMPACT FROM THE MOUTHS OF ATTENDEES

Sense of community
and support.
Importance of opening up.
Practicing positivity
And gratitude.
Hearing and listening
To others.
Helped with
Suicidal
Thoughts.
Report of the Trustees - period ending 31st December 2024

Year at a glance continued

Creating resilient communities

Despite a challenging economic climate,
Talk Club has continued to grow its
services. It has strengthened its
operations by improving the tools by
which it empowers communities. At the
same time it has also forged valuable
new inroads to reach those who need it
most.

It all starts with listening

With huge growth in the first few years
as a charity, the team faced the
challenge of not being able to grow fast
enough to support this growth.
During this 18 month period, the charity
engaged with its community to better
understand what was needed to improve
its services and create more positive
impact.

12

Report of the Trustees - period ending 31st December 2024 ANXIETY 77% DEPRESSION 73% SUICIDAL THOUGHTS 44% PTSD 19%

The percentages of
attendees suffering
from various mental
health conditions.
Report of the Trustees - period ending 31st December 2024

Year at a glance continued

Supporting Captains and Clubs

Talking clubs are at the heart of how
the charity helps improve the mental
health of men across the UK. To support
clubs better, two strategic steps were
identified.

1. A Head of Captains appointed to focus on improving communication and support between HQ and club. As Talk Club understands the value of human to human connection this move was imperative to the charity delivering on its values.

2.Digital Tools to empower individuals,
Captains and Businesses. Creating better
digital platforms such as a new website
and Talk Club App would be an efficient
way to better reach, inform and support
individuals and organisations within our
community about the charity’s services.
It also would provide key access to the
new Captain’s Toolkit a new home for
training and development tools for Club
Captains and Businesses.

14

Report of the Trustees - period ending 31st December 2024
Year at a glance continued

IMPROVEMENTS ALL ROUND

Group Therapy

Having started back in January 2022, Talk Club has
now trained twice as many therapists, meaning
twice as many therapy groups are now up and
running to support men who urgently need access to
these services.

Business Support

Business Support continued to grow for
organisations within our UK communities. At the
heart of this growth was the development of robust
training and insightful workshop programmes,
enabling businesses of varying sizes, from Airbus,
Babcock and SR2 VWV, to transform internal culture
and awareness amongst employees. These success
have led TC into servicing more industries, such
as corporate and music festivals.

Prison Support

In June 2024 Talk Club started its first Captains'
training as part of a new Prison Support
initiative to serve men who could not benefit from
TC services. Beginning at HMP Bristol, the prison
had 16 weekly Talk Club groups up and running and
being attended by 7-10 men each group by Christmas
2024.

15

Report of the Trustees - period ending 31st December 2024
Report of the Trustees - period ending 31st December 2024

A Club led by everyone

Ensuring all had access to TC services means conversations lead by TC
ambassadors that represent Talk Club’s message of inclusivity.

17

FULL BLEED PHOTO

Report of the Trustees - period ending 31st December 2024

The g rowing community of

OUR SUPPORTERS

Report of the Trustees - period ending 31st December 2024 FINANCIAL REVIEW

Year at a glance continued
During the period ending 31 December 2024 the
charity had a net surplus of £20,160 (12 months to
30 September 2023: £50,448) of which a surplus of
£nil (12 months to 30 September 2023:  surplus
£nil) is restricted. This resulted in the charity
having total unrestricted funds carried forward of

The charity had total free reserves at 31 December 2024 (unrestricted funds less the fixed assets) of £108,50 2 (30 September 2023: £88,342).

The Trustees are satisfied that they have
considered the commitments required to deliver the
charitable objectives, and are holding sufficient
free reserves to cover six months unrestricted
expenditure.

20

FULL BLEED PHOTO

leading our group. A big thank you from me. I really believed you saved my sanity and my FULL BLEED PHOTO life.’

Report of the Trustees - period ending 31st December 2024

FULL BLEED PHOTO 89%

Report of the Trustees - period ending 31st December 2024

FEEDBACK FROM OUR COMMUNITY

Some users have expressed a
preference for more frequent
Talk Club meetings. The
feasibility of increasing
meeting frequency should be
investigated to cater to
these needs.
There is a need to explore how
Talk Club can better serve a
more diverse range of men,
including those from different
ethnic backgrounds, sexual
orientations, and age groups,
as the current user base is
predominantly White British and
middle-aged.
Some users have
expressed a preference
for more frequent Talk
Club meetings.
The feasibility of
increasing meeting
frequency should be
investigated to cater
to these needs.
Report of the Trustees - period ending 31st December 2024

Appointment and recruitment of charity trustees

In selecting individuals for
appointment as charity trustees, the
charity trustees have regard to the
skills, knowledge and experience
needed for the effective
administration of the CIO.
New trustees are recruited by
invitation following recommendations
from trustees and officers,
based on matching candidates’ skills,
knowledge, experience and commitment
to the current identified needs.
New trustees are mentored by
experienced members and given access
to on-line and/or direct training in
appropriate areas.
Signed on behalf of the board of
trustees
Steven Dodds
Trustee
Date 30/10/2025
Report of the Trustees - period ending 31st December 2024
‘Normalising being able to talk about taboo
issues openly and to encourage others to
share as well when they feel they want to
Family and relationships have improved
dramatically as well. It’s now a routine for
me to check in with myself and make
newpositiv habits towards self care. ’
Anonymous Talk Club Attendee

Report of the Trustees for the 15 Months Ended 31 December 2024 (continued)

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity Number 1194033

Principle Address

Talk Club The Tobacco Factory Raleigh Road Bristol BS3 1TF

Trustees

Steven Dodds - Chair to 19 August 2024 Appointed 1 October 2023 Kate Lenton - Chair from 19 August 2024 Appointed 19 August 2024 Simon Brooke - Treasurer Appointed 9 January 2022 Tom Button - Secretary Appointed 9 January 2022 Claire Wilkinson Resigned 26 March 2024 Rich Gundry Resigned 25 June 2025 James Wheale Resigned 30 September 2025 Cory Stewart Resigned 01 March 2024 Stuart Baker Resigned 25 June 2025 Andy Evans Appointed 23 February 2022 Claire Amos Resigned 26 March 2024 Michael McCarthy Resigned 01 March 2024 Sam Oakes Resigned 01 March 2024 Rob Hingston Appointed 1 August 2025 Dr Rowan Gilmore Appointed 26 May 2024 Mark Williams Appointed 26 May 2024 Patrick Sullivan Appointed 26 May 2024 Stephen Pratt Appointed 26 May 2024 Simon Wood Appointed 15 February 2023

Independent Examiner

Miss J A Richardson FCA FCCA DChA 32 Award Road Wimborne Dorset BH21 7NT

Page 27

Independent examiner's report to the Trustees of Talk Club

I report to the charity Trustees on my examination of the accounts of Talk Club for the period ended 31 December 2024.

This report is made solely to the charity's Trustees, as a body, in accordance with section 154 of the Charities Act 2011 ('the Act'). My independent examiner's work has been undertaken so that I might state to the charity's Trustees those matters I am required to state to them in an independent examiner's report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the charity, the charity's members as a body for my independent examiner's work, for this report, or for the opinions I have formed.

Responsibilities and basis of report

As Trustees of the Charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 .

I report in respect of my examination of the Charity's accounts carried out under Section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under Section 145(5)(b) of the Act.

Independent examiner's statement

Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a member of the Institute of Chartered Accountants in England and Wales, which is one of the listed bodies.

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

  1. Accounting records were not kept in respect of the Charity as required by Section 130 of the Act; or 2. the accounts do not accord with those records; or

  2. the accounts do 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 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.

…...................................................................

Miss JA Richardson FCA FCCA DChA

Date … 30th October 2025 .......

Page 28

Statement of Financial Activities for the 15 Months Ended 31 December 2024

Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
Charitable activities
3
Other trading activities
4
Investment income
5
TOTAL
EXPENDITURE ON
Raising funds
6
Charitable activities
7
TOTAL
NET INCOME BEFORE TAXATION
Corporation tax on trading activities
Movement in funds
Transfers between funds
13
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
2025
2024
Unrestricted
Restricted
Total funds
Total funds
£
£
£
£
192,198
-
192,198
208,653
63,592
35,605
99,197
1,204
71,838
-
71,838
25,076
39
-
39
-
327,668
35,605
363,273
234,933
20,885
-
20,885
16,090
286,623
35,605
322,228
168,395
307,508
35,605
343,113
184,485
20,160
-
20,160
50,448
-
-
-
-
20,160
-
20,160
50,448
-
-
-
-
88,342
-
88,342
37,894
108,502
-
108,502
88,342

The notes form part of these financial statements

Page 29

Balance Sheet 31 December 2024

Notes
FIXED ASSETS
Tangible fixed assets
Total fixed assets
CURRENT ASSETS
Debtors
10
Cash at bank and in hand
Total current assets
CREDITORS
Amounts falling due within one year
11
Net current assets
TOTAL ASSETS LESS CURRENT LIABILITIES
NET ASSETS
FUNDS OF THE CHARITY
Restricted funds
Unrestricted funds
TOTAL FUNDS
13
2025
2024
Unrestricted
Restricted
Total funds
Total funds
£
£
-
-
-
-
-
-
-
-
722
-
722
-
117,451
-
117,451
92,832
118,173
-
118,173
92,832
9,671
-
9,671
4,490
108,502
-
108,502
88,342
108,502
-
108,502
88,342
108,502
-
108,502
88,342
-
-
-
-
108,502
-
108,502
88,342
108,502
88,342

The financial statements were approved by the Board of Trustees and authorised for issue on 30th October 2025 and were signed on its behalf by:

…................................................................... Steven Dodds - Trustee

…................................................................... Simon Brooke - Treasurer

The notes form part of these financial statements

Page 30

Cash Flow Statement for the Period Ended 31 December 2024

2024 2023
Notes £ £
Cash flows from operating activities
Cash generated from operations 1 24,579 54,939
Cash flows from investing activities
Interest received 39 -
Net cash provided by/(used in) investing activities 39 -
Change in cash and cash equivalents in the reporting
period
24,618 54,939
Cash and cash equivalents at the beginning of the
reporting period
92,832 37,894
Cash and cash equivalents at the end of the reporting
period
117,450 92,833
Note 1 2025 2024
£ £
Reconciliation of net income for the reporting period (as
per the Statement of Financial Activities) 20,160 50,448
Adjustments for:
Interest received (39) -
(Increase)/decrease in debtors (722) -
Increase/(decrease) in creditors and provisions 5,180 4,490
(Increase)/decrease in stock - -
Profit on sale of tangible fixed assets - -
Net cash (used in)/provided by operations 24,579 54,939
Note 2 At 1 October
2023
Cash flow At 31 December
2024
Cash at bank and in hand 92,832 24,619 117,451

Page 31

Notes to the Financial Statements for the Period Ended 31 December 2024

1 ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: 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) (effective 1 January 2019)', Financial Reporting Standard 102 the Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value, as modified by the revaluation of certain assets.

In the year ending 30 September 2023 receipts and payments accounts and a statement of assets and liabilities were filed with the Charity Commission. Funds brought forward at 1 October 2023 are £88,342 with no accruals adjustments required.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Tangible fixed assets

Talk Club does not currently hold any tangible fixed assets.

Taxation

As a charity, Talk Club benefits from various exemptions afforded by tax legislation and is therefore not liable for corporation tax on income or gains falling within those exemptions.

Fund Accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees. Restricted funds can only be used for particular restricted purposes within the objects of the charity. Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Page 32

Notes to the Financial Statements for the Period Ended 31 December 2024 (continued)

Cash at Bank and in hand

Cash at bank and in hand includes cash and short term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

Creditors

Creditors are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably.

Governance costs

These include costs attributable to the charity's compliance with constitutional and statutory requirements, including financial compliance, strategic management and trustees' meetings and reimbursed expenses.

2 DONATIONS AND LEGACIES
Donations
Grants
3 INCOME FROM CHARITABLE ACTIVITIES
Services
Grants
Workshops
Captain's Training
Other charitable activities
Restricted
Unrestricted Total 2024
Total 2023
£
£
£
£
-
141,198
141,198
208,653
-
51,000
51,000
-
-
192,198
192,199
208,653
Restricted
Unrestricted Total 2024
Total 2023
£
£
£
£
-
49,862
49,862
1,204
35,605
-
35,605
-
-
1,150
1,150
-
-
500
500
-
-
12,080
12,080
-
35,605
63,592
99,197
1,204

Income from restricted grants is detailed in note 13.

4 OTHER TRADING ACTIVITIES
Merchandise Sales
Fundraising Income
Subscriptions
Restricted
Unrestricted Total 2024
Total 2023
£
£
£
£
-
5,496
5,496
8,592
-
54,184
54,184
5,887
-
12,158
12,158
10,596
-
71,838
71,838
25,076

Page 33

Notes to the Financial Statements for the Period Ended 31 December 2024 (continued)

5 INVESTMENT INCOME
Interest receivable
6 EXPENDITURE ON RAISING FUNDS
Fundraising event expenses
Advertising and promotion
Merchandise
7 COSTS OF CHARITABLE ACTIVITIES
a DIRECT COSTS
Staff wages and salaries
Business Support Costs
Captain's Weekend
Computer Costs
Insurances
Intellectual Property
Meals and entertainment
Office Rent
Administrative Expenses
Other Professional Services
Printing, Postage and Stationery
Recruitment
Software
Travel and Accommodation
Workshops Spend
b SUPPORT COSTS
Bank charges
Independent examination fees
TOTAL COSTS OF CHARITABLE ACTIVITIES
Restricted
Unrestricted
Total 2024
Total 2023
£
£
£
£
-
39
39
-
-
39
39
-
Restricted
Unrestricted
Total 2024
Total 2023
£
£
£
£
-
2,903
2,903
2,700
-
730
730
198
-
17,251
17,251
13,192
-
20,885
20,885
16,090
Restricted
Unrestricted
Total 2024
Total 2023
£
£
£
£
30,819
225,830
256,649
128,091
-
440
440
-
1,129
-
1,129
450
-
4,135
4,135
3,830
-
378
378
197
-
845
845
-
764
1,783
2,547
1,693
-
18,272
18,272
7,714
-
2,446
2,446
2,037
-
23,851
23,851
18,007
-
1,808
1,808
3,407
-
120
120
-
-
1,377
1,377
679
1,053
2,457
3,510
1,739
1,839
-
1,839
-
35,605
283,743
319,347
167,843
-
81
81
101
-
2,800
2,800
450
-
2,881
2,881
551
35,605
286,623
322,228
168,395

Page 34

Notes to the Financial Statements for the Period Ended 31 December 2024 (continued)

8 TRUSTEES REMUNERATION AND BENEFITS

There was no Trustees' remuneration or other benefits for the period to 31 December 2024 . Trustees' expenses

No trustees have received any reimbursed expenses or any other benefits from the charity during the period.

9 STAFF COSTS

STAFF COSTS
Wages and salaries
Social security costs
Other pension costs
£
229,945
17,728
8,976
256,649

Key management personnel (Joint CEO's) remuneration totalled £89,600 (12 months to 30 September 2023: £67,840).

The average monthly number of employees during the period was as follows:

Employees 5

No employees received emoluments in excess of £60,000.

Page 35

Notes to the Financial Statements for the Period Ended 31 December 2024 (continued)

10 DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Trade debtors
Other debtors
VAT
Prepayments and accrued income
2024
2023
£
£
722
-
-
-
-
-
-
-
722
-

11 CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Trade creditors
Social security and other taxes
Other creditors
Accruals and deferred income
2024
2023
£
£
1,535
-
5,636
3,603
-
887
2,500
-
9,671
4,490

12 LEASING AGREEMENTS

Minimum lease payments under non-cancellable operating leases fall due as follows:

Within one year
Between one and five years
2024
£
3,600
-
3,600

Page 36

Notes to the Financial Statements for the Period Ended 31 December 2024 (continued)

13 MOVEMENT IN FUNDS

Unrestricted
General
Restricted
St Monica's Trust
Lloyds Bank Foundation
Quartet Community
Foundation
Somerset Community
Foundation
Kent County Council
Total Restricted
TOTAL FUNDS
Unrestricted
General
Restricted
Total Restricted
TOTAL FUNDS
At 1 October
2023
Income
Expenditure
Transfers
At 31 December
2024
88,342
327,668
(307,508)
-
108,502
-
10,000
(10,000)
-
-
-
605
(605)
-
-
-
10,000
(10,000)
-
-
-
5,000
(5,000)
-
-
-
10,000
(10,000)
-
-
-
35,605
(35,605)
-
-
88,342
363,273
(343,113)
-
108,502
At 1 October
2022
Income
Expenditure
Transfers
At 30
September
37,894
234,933
(184,485)
-
88,342
-
-
-
-
-
-
-
-
-
-
37,894
234,933
(184,485)
-
88,342

St Monica's Trust - The Improving Connection Fund will enable Talk Club to help address these issues by establishing 5 peer-led talking and listening support groups for the elderly in North Somerset that will increase connection, reduce loneliness and improve both physical and mental fitness.

Lloyds Bank Foundation - Founding local south Gloucestershire chapter of men's mental health group, weekly organising and hosting of mental health talk and walks.

Quartet Community Foundation - To establish four new Talk Clubs to serve the disadvantaged and also help in sustaining five existing clubs in North Somerset.

Somerset Community Foundation - Setting up talking, listening and exercise groups to support men's mental health across Somerset.

Kent County Council - Setting up 7 new Talk Clubs in Kent 5 talking groups and 2 Talk & Exercise groups.

Page 37

Notes to the Financial Statements for the Period Ended 31 December 2024 (continued)

14 ANALYSIS OF NET ASSETS BETWEEN FUNDS

Fixed assets
Current assets
Current liabilities
Long term liabilities
Fixed assets
Current assets
Current liabilities
Unrestricted
Restricted
Total at 31
December 2024
£
£
£
-
-
-
118,173
-
118,173
(9,671)
-
(9,671)
-
-
-
108,502
-
108,502
Unrestricted
Restricted
Total at 30
September
2023
£
£
£
-
-
-
92,832
-
92,832
(4,490)
-
(4,490)
88,342
-
88,342

15 RELATED PARTY DISCLOSURES

There were no transactions with related parties for the period to 31 December 2024 or the previous year to 30 September 2023.

Page 38

TALK CLUB THANK YOU