WITH INSIGHT Annual l Accounts Charity Number: 1198026 withinsightedu.org
Breaking barriers, unleashing At With Insight Education, we are dedicated to creating a future where Black-heritage students have the opportunities, confidence, and support to succeed-because talent is everywhere, but opportunity is not. We know that representation matters, and we are committed to breaking down the perceptual and structural barriers that hold talented young people back. Every student we support is another step towards a society that truly reflects the talent, ambition, and potential within it.
WITH INSIGHT DEVON'S STORY Insight2Uni mentee OUTCOMES Devon joined the programme seeking o definitive direction. The structured support drove two critical, immediate decisions that reshaped his educational poth. The Insight2Uni campus visit to the Univgrsity ol East Anglia (UEA) was o defining moment, offering o d88per,"Vibe ond experience. than a standard open day. Devon cited this visit as the main lactor in selecting UEA as his final university choice. OVERVIEW Devon EllS$on, an ambitious student from North London, joined the Inslght2Uni progromme seeking clarSty on hls post- sSxth form optbons. Although he was initlally exploring degree apprentlceships, Devon needed reol-world gu Idance on university Ille, the delSnltlve value ol o placement year, ond a structured way to sg18ct his final institution. He was looki ng lor direct, honest insight thot went beyond standard unlverslty brochures. Furthermore, his mentor strongly advised him on the value of integrating a placement year, successfully shifting Devon's focus away from degree apprenticeships to pursuing a university course with built-in corporate experience. The progromme's initial focus on goal-setting and opportunity mapping ensured his application process was targeted and efficient, allowing thè next steps to, "Sort of flow naturally. LASTING LEGACY Being mentored provided Devon with long-term benefits beyond his UCAS application. The powerful reinforcement that,'If someone else has done it, you can do it,. instilled o robust self-belief, helping him overcome initial doubts about belonging at university. Ho also doveloped stronger profossional communication skills by engaging with the progromme's diverse'mini community. TESTIMONIAL 'Seeing someone thot's got o similar sort of background to you literally makes YOU think, 'Oh, I can achieve that. It's definitely within reach., Having a mentor within the same background definitely break5 that gla55 ceiling." Cruciolly, the advice on placement years directly translated into professional success- Devon is now undertaking a placement year at HP, tultilling his initial goal of attaining corporate experience. He strongly recommends the programme, offirming it had a'big impact on my uni and education career.
REGISTERED CHARITY NUMBER: 1198026 With Insight Education Report of the Trustees and Unaudited Financial Statements forthe Year Ended 31st August 2025
With Insight Education Contents of the Financial Statements for thg Ygar Endgd 31st August 2025 Page Report of the Trustees Independent Examiner's Report SL*ement of Financial Activities statement of Financial Position Notes to the Flnanclal Statements 8 to 14
With Insight Education Report of the Trustees for the Year Ended 31st August 2025 The trustees present their report wth the financi81 slalements of the charity for the year ended 31st August 2025. The trustees have adopted the provisions of 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 1021 (effective 1 January 20191. Objectives and activities Objectives and aims With Insight Education exists lo advan the educational outcomes of black-heritage students so that society is an accurate reflection of the talent available. We provide highly slruclured mentoring programmes, insight days and skill development opportunities that SUPFX)rt students lo gain the confidence, knowledge and soft skills lo secure a brighter future. A future with greater opportunities for soci81 mobility. We are also determined to help universities and organisalions to improve their cultural competence, by tsckling their practices al a systemic level. 11 is our belief that by removing the perceptual and structural barriers that our students face, combined with equipping them with the skills needed to thrive, we can unleash their full FX)lenlial. Our progammes Our delivery work this year Continued to be guided by the need to build our students, confidence that they belong in spaces where they are currently under-represented and equipping them with the knowledge and skills lo succeed. ht2Uni - A 9-monlh long programme that supports high potential Year 12 pupils to navigate a path lo a leading university. Elevate career menlorin - The opportunity for sixth form pupils to broaden their horizons about the world of wo¥k and develop the transferable skills that employers seek. Career Insi - An invaluable way for students lo gain a snapshot view of an organisalion, interact with an array of staff and learn firsthand how lo construct successful applications. This year, we also introduced UniSLJccess lo our portfolio. At its heart is the conviction that the ethnicity awarding gap and lower retention rates experienced by Black-heritage students is indicative of a learning environment that does not serve their needs rather than any deficit qualities of the students themselves. The portfolio incorporates strategic advisory support through lo the implementslion of programmes. enabling us lo be adaptsble to the nUand needs of our clients. Ever fflindful of the evolving needs of our students, we also started lo pilot a pre-apprenliceship programme. The outcomes will be fully known next year. Public benefit 1115 confirmed that the Trustees have had regard lo the Charity Commission's guidance on public benefit and the only objects for which the Charity was established are for the public benefit.
With Insight Education Report of the Trustees for the Year Ended 31st August 2025 Objectives and activities Our approach Everything that we do is guided by our values.. Life chan 9-11 is crucial to us that we make a drfference. so we are unapologetically focused on targeting our transfomiational programmes at black-herilage students. Barrier buslin - We are determined lo remove the perceptual and structural barriers that black-herilage students face. This focus shapes our programme offering. Credible - We are passionate about research and evaluation and enlhusiastscally embrace insights that will help us to improve our offering. Nurturin - We care deeply 8boul the many relationships that we hold. We treat everyone wth respect, consideration and strive to make every interaction feel personable. Achievements and performance Reflections on the year This year was undoubtedly the most lryng that we have experienced. The combination of lighter client budgets, greater competition for grant funding and a growing rebuttal of Equality, Diversity and Inclusion ini118tives made for a thornier operating landscape and negatively impacted our end of year financial position. Nevertheless, we remain resolute for the need for our work and oplimislic that we can navigate our way forward. This was reflected in the Board signing off an Invest lo Grow strategy. Based around a goal of increasing our impact to support 1,000 students a year by 2027, the strategy gave approval lo seek social investment lo increase the capacity of the Senior Leadership Team and expand our programme offering. We were pleased lo re1ve a social impact loan of £65,000 from CAF Venturesome in August lo underpin the implementslion of the strategy and we are enthusiastic about the changes that it will lead lo. Our programmes continued lo deliver transfomalive experiences for our young people, some of which they shared in moving testimonials al our 7th birthday celebrats'ons in July. You can view a video from the event with the below URL. https'.Ilwww.youlube.comlwalch?rWC2xYUweOI Once again, the social impact of our work was proven. 75,/0 of our Insight2Uni mentees secured places at lop universitie5. We achieved an uplift of 180/• in students sayng that they felt confident that they would fit in al a top university. The proportion of students on Free School Meals averaged 380/0 across our programmes. This compares to a national average of 24'/0, evidencing the intersectson between race and so0e¢0nOMic challenge that our students face. Financial Review We began the financial year with a projected surplus., however, a small number of clients were unable lo proceed with planned programme delivery due to internal budgetary and resourcing (x)nstraints. This resulted in earned income falling short of our original forecasts. This shortfall was further compounded by strategic headcounl investment intended lo strengthen our grant-generaling capacity. Unfortunately, this did not yield the anticipated returns within the year. In response, we Iwk prompt action to identify and secure allernalive earned-income opportunitses while implementing proportionate Cost-ucli0n measures. These interventions enabled us lo limit the year-end deficit to £21,099. In the coming year, there will be a concerted focus on driving growth in traded income, ensuring a more reliable revenue profile.
With Insight Education Report of the Trustees for the Year Ended 31st August 2025 Financial review Reserves policy The reserve EM)licy of the charity is to maintain available funds above a level equal to three months of overheads, wlh cash flow forecasts being monitored regularly. If within three months the available funds are due to fall below this safe level, an extraordinary meeting of the Trustees will be called to decide rf any immediate actions are required. The charity has no investments or tangible fixed assets. Future plans The trustees plan lo continue promding the current mentoring programmes and continue with their aim of securing the necessary funding lo do so. structure, governance and management Governing document The charity is controlled by ils governing document and a deed of Irusl. Charity constitution With Insight Education is a Charitable Incorporated Organisation that incorporated on the 23rd February 2022. Prior to this date, the organisalion ran as a Community Interest Company. The charity was established under the Constitution of a Charitable Incorporated Organisation wth voting members other than ils charity Iruste8S. Recruitment and appointment of new tmstees Trustees are recruited in an open recruitment process. The specification of the Trustee position is guided by the outcome of a skills audit carried out by the Board. As part of their safer recruitment process, the Board ensures that Trustees have an enhanced DBS check. They also undergo safeguarding training. Induction and training of new trustees Trustees are invited lo see our programme delivery in action and get involved in specific pieces of work depending on their interests and expertise. All Trustees give their lime voluntarily and receive no benefits from the charity. There are four meetings per year, each of which have a set agenda that involves, but is not limited to, reviewing the charitls activities, its finances, policies, receimng 8 safeguarding update and discussing strategic matters. Risks and mitigab'ng actions are also considered. Reference and administrative details Registered Charity number 1198026 Principal address 124 City Road London EC1V 2NX Trustees Miss P Gajjar Ms E Bremner Mr A Melville Ms H Drummond Mr O Onyido Mr K A Griffith lappoinled 28110120241 Ms T P Lucas Apea Dr M Haywood Professor A R(rIgueS Amorim Ade lappoinled 2811012024) Ms F Jeddere-Fisher (appointed 24111120251
With Insight Education Report of the Trustees for the Year Ended 31st August 2025 Reference and administrative details Independent Examiner David Halchard BA FCA Nigel Wilson & Co 4th Floor 100 Fenchurch Street London EC3M 5JD Approved by order of the board of trustees on 26th January 2026 and signed on ils behalf by.. Ms F Jeddere-Fisher- Trustee
Independent Examiner's Report to the Trustees of With Insight Education Independent examinevs report to the trustees of With Insight Education I report lo the charity Iruslees on my examination of the accounts of With Insight Education (the Trust) for the year ended 31 st August 2025. Responsibilities and basis of report As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (Yhe Acl'l. I report in respect of my examination of the Trust'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{5llb} of the Act. Independent examiner's statement I have completed my examination. I confirm that no material mallers have come lo my attention in connection with the examination giving me cause lo believe that in any material respect.. accounting records were not kept in respect of the Trust as required by Section 130 of the Act., or the accounts do not accord with those records., or the accounts do not comply with the applicable requirements conceming 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 as part of an independent examination. I have no concems and have come across no other matters in connection with the examination to which attention should be drawn in this report in order lo enable a proper understanding of the accounts lo be reached. David Halchard BA FCA Nigel Wilson & Co 4th Floor 100 Fenchurch Street London EC3M 5JD 26th January 2026
With Insight Education Statement of Financial Activities for the Year Ended 31st August 2025 2025 Total funds 2024 Total funds Unrestricted Restricted fund fund Notes Income and endowments from Donations and legacies 157.278 {13,682) 143.596 168,050 Expenditure on Raising funds 102,140 102.140 84,527 Charitable activities Adverbsing Support costs Governance costs 1,996 56.770 3,683 1,996 56,770 3,683 5,295 69,026 2,494 Other 106 106 141 Total 164,695 164,695 161,483 NET INCOMEI(EXPENDITUREI (7.4171 {13,682) 121.0991 6,567 Reconciliation of funds Total funds brought forward 97.387 19,808 117.195 110, 628 Totsl funds carried fonvard 89.970 6,126 96,096 117,195 The notes form part of these financial statements
With Insight Education Statement of Financial Position 31st August 2025 2025 Total funds 2024 Total funds Unrestricted Restricted fund fund Notes Fixed assets Tangible assets 10 319 319 425 Current assets Debtors Cash al bank 11 5.102 152,426 12) 6,128 5.100 158.554 275 t 19,450 157.528 6,126 163.654 119, T25 Creditors Amounts falling due wlhin one year 12 114,4911 114,491} (2,955) Not current assets 143.037 6,126 149,163 116,770 Total assets less current liabilities 143,356 6,126 149,482 117,195 Creditors Amounts falling due after more than one year 13 153,3861 153.386) NET ASSETS 89,970 6,126 96.096 117.195 Funds Unrestricted funds Reslricled funds 15 89.970 6,126 97,387 19,808 Total funds 96.096 117,195 The financial statements were approved by the Board of Trustees and aulhorised for issue on 26th January 2026 and were signed on ils behalf by.. Ms F Jeddere-Fisher- Trustee The notes form part of these financial statements
With Insight Education Notes to the Financial Statements for the Year Ended 31st August 2025 Company Informatlon wrth Insight is a Charitable Incorporated Organisalion, registered in England and Wales. The charills registered number and registered office address can be found on the Company Information page. Accounting policies Basls of preparlng the financlal statements The financial slalements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP IFRS 102} 'Accounling and Reporting by Charities-. Slalemenl of Recommended Practi applicable lo charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021 leffeclive 1 January 20191,, 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. Income All income is recognised in the Slalement of Financial Activities once the charf(y has enlillement 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 conslruclive obligation commilling the charity to that expenditure, il is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measLJred reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related lo the category. Where costs cannot be directly attributed lo particular headings they have been allocated lo activities on a basis consistent with the use of resources. Tangible fixed assets Depreciation is provided at the followng annu81 r8tes in order to write off each asset over i(s estimated useful life. Computer equipment 25./0 reducing balance Taxation The charity is exempl from tax on ils charitable activities. Fund accountlng Unreslricled funds can be used in accordance with the charitable objectives at the discretion of the trustees. Restricted funds can only be used for particular reslricled purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular reslricled purposes. Further explanation of the nature and purpose of each fund is included in the notes to the financial stslemenls. Hire purchase and leasing commitments Rentals paid under operating leases are charged to the Statement of Financial Activities on a slraighl line basis over the period of the lease. Pension costs and other post-retirement benefits The charity operates a defined contribution pension scheme. Contributions payable lo the charitys pension scheme are charged to the Stslement of Financial Acbvilies in the period lo which they relate.
With Insight Education Notes to the Financial Statements - Continued for the Year Ended 31st August 2025 Ralslng funds Raising donations and legacies 2025 2024 Staff costs Programme delivery costs 91,815 6.375 78,504 6,023 98.190 84,527 Other trading activitigs 2025 2024 Bad debts 2,200 Investment management costs 2025 2024 Interest payable and similar charges 1.750 Aggregat8 amounts 102.140 84,527 Charitable activities costs SupF>Ort costs (see note S) Dlrect Costs Totsls Advertising Support costs GovernanTr costs 1,996 1,996 56,770 3,683 56.770 3,683 1.996 60.453 62,449 Support costs Govemance costs Management Other Totals Other resources expended Support costs Governance costs 106 106 56,770 3,683 56.770 3.683 56.770 106 3.683 60,559
With Insight Education Notes to the Financial Statements - Continued for the Year Ended 31st August 2025 Support costs- contlnued Support costs, included in the above, are as follows- 2025 2024 other resources expended Support costs Governance costs Total actlvltles Total actlvltles W8ges Social security Pensions Rent Insurance Telephone Sundries Courses and training Travelling Cornputer costs Depreciation of tangible fixed assets Auditors, remuneration for non audit work Legal and profesisonal fees Accountancy fees 44.781 1.179 643 3.982 1,547 527 658 377 1.683 1.393 44,781 1,179 643 3.982 1,547 527 658 377 1.683 1,393 51,075 1, 171 650 4,682 1,448 514 653 871 5,827 2, 135 106 106 141 780 780 420 803 2,100 803 2,100 574 1,500 106 56.770 3,683 60.559 71,661 Auditors. rgmungration 2025 2024 Other assurance services 780 420 Trustees. remuneratlon and beneflts There were no trustees. remuneration or other benefits for the year ended 31st August 2025 nor for the year ended 31st August 2024. Trustees. expenses There were no Iruslees, expenses paid for the year ended 31 st August 2025 nor for the year ended 31 st August 2024. Staff costs 2025 2024 Wages and salaries Social security costs Other pension costs 132,087 3,993 2.338 124,620 4,360 2,420 138,418 131,400 The average monthly number of employees during the year was as follows.. 2025 2024 Staff -10-
With Insight Education Notes to the Financial Statements - Continued for the Year Ended 31st August 2025 Staff costs - contlnued No employees received emoluments in excess of £60,0. Comparatlves for the statement of flnanclal actlvltles Unrestricted Restricted fund fund Total funds Income and endowments from Donations and legacies 148,242 19,808 168,050 Expenditure on Raising funds 84,527 84,527 Charitable activities Advertising Support costs Governance costs 5,295 69,026 2,494 5,295 69,026 2,494 Other 141 141 Total 161,483 161,483 NET INCOMEIIEXPENDITURE) {13,2411 19,808 6,567 Reconclllatlon of funds Total funds brought forward 110,628 110,628 Total funds carrled forward 97,387 19,808 117,195 10. Tanglble flxed assets Computer equipment Cost Al 1st September 2024 and 31st August 2025 1,006 Depreciation Al 1st September 2024 Charge for year 581 106 Al 31 st August 2025 687 Net book value Al 31 sl August 2025 319 At 31 st August 2024 425 -11-
With Insight Education Notes to the Financial Statements - Continued for the Year Ended 31st August 2025 11. Debtors: amounts falllng due wlthln one year 2025 2024 Trade debtors 5.100 275 12. Creditors: amounts falling due within ong year 2025 2024 Bank loans and overdrafts (see note 141 Taxation and social security Other creditors 11,614 477 2.400 2,955 14.491 2,955 13. Creditors: amounts falling due after more than one year 2025 2024 Bank loans Isee note 141 53,386 14. Loans An analysis of the maturity of loans is given below.. 2025 2024 Amounts falling due within one year on demand.. Bank loans 11,614 Amounts falling between one and tsvo years: Bank loans - 1-2 years 53,386 15. Movement in funds Net movement in funds At 3118125 At 119124 Unrestricted funds General fund 97,387 {7,417} 89,970 Restrlcted funds Restricted funds 19,808 (13.682) 6,126 TOTAL FUNDS 117,195 (21,099} 96,096 -12-
With Insight Education Notes to the Financial Statements - Continued for the Year Ended 31st August 2025 15. Movement In funds- contlnued Nel movement in funds, included in the above are as follows.. Incomlng resources Resources expended Movement in funds Unrestricted funds Gener81 fund 157,278 {164,695} (7,4171 Restricted funds Restricted funds 113,6821 113,6821 TOTAL FUNDS 143.596 {164,695} 121,0991 Comparatives for movement In funds Net movement in funds At 119123 3118124 Unrestricted funds General fund 110,628 113,2411 97,387 Restricted funds Restricted funds 19,808 19,808 TOTAL FUNDS 110,628 6,567 117,195 Comparative net movement in funds. included in the atK)ve are as follows.. Incoming resources Resources expended Movement In funds Unrestricted funds General fund 148,242 1161,4831 113,241} Rg$tri¢tgd funds Restricted funds 19,808 19,808 TOTAL FUNDS 168,050 1161,4831 6,567 -13-
With Insight Education Notes to the Financial Statements - Continued for the Year Ended 31st August 2025 15. Movement In funds- contlnued A current year 12 months and prior year 12 months combined position is as follows.. Net movement In funds At 119123 3118125 Unrestricted funds General fund 110,628 120,6581 89,970 Rgstrictgd funds Restricted funds 6,126 6,126 TOTAL FUNDS 110,628 114.5321 96,096 A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows.. Incomlng resources Resources expendod Movement in funds Unrestricted funds General fund 305,520 1326,1781 120,658} Restricted funds Reslricled funds 6,126 6,126 TOTAL FUNDS 311,646 1326,1781 114,532} 16. Related party disclosures There were no related party transactions for the year ended 31 st August 2025. -14-