Charity registration number 1198492 (England and Wales) Company registration number CE029112 BLUE LIGHT CARD FOUNDATION ANNUAL REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 SEPTEMBER 2025 Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION LEGAL AIYD ADMINISTIL4TIVE INFORMATION Truslees Stephen Denny Thomas Dalby Gareth Whitehead Robin Clegg Karen Hodgson (Chair of the Board) Katic Pavoni Dai'id Crews Jcffrcy Davics (Appointed ? October 2024) (Appointed I l June 2025) (Appointed 14 Novembcr 2025) Charity number (England and Wales) 1198492 Company number CE029112 Registered offiee Char￿￿'00d Edge Syston Road Cossington Leicester LE7 4UZ Allditor UHY Hacker Young 14 Park Roiv Nottingham N(il 6GR Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION CONTENTS Page Chairper50n's statement Trustees, report Ind¢pend¢nl auditor's report 9- 12 Statemcnt of financial activilics 13 Balance sheet 14 Statem¢nt of cash flows Notes to the financial statements 16-26 Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION CHAIRPERSON'S STATEMENT FOR THE YEAR ENDED 30 SEPTEMBER 2025 On bchalf of the Trustees, l atn plcased to present this report on the activitie5 and perfonnance of Ilic Blue Li¥lil Card Foundatioii for the )'car under rcvicw. It has bccii a year of ¥rcat progrcss, Inarkcd bj. slrcngiliened engagement with the Blue Light voinmunity themselves and the emergency services sector, as well as growing our impa¢l, and ¢ontinued ¢ommilmenl to our Core mission lo improv¢ the mental and physi¢al wellbeing of the Blue Light community. Throughout the year, th¢ Foundation provided grant fundin¥ to a broad range of or¥dnisations supporting those working and volunteering on tlie frontline. Our funding focused on inilialives that proniole mental wellbeing, physi¢al health, peer siipport and acceqs to $￿ClaI]St q¢rvic¢s, reflecting th¢ div¢rs¢ and ¢()mplex needs of those working across the Bliie Light sector. We continued to support established programmes while also investing in practical wellbeing initiatives designed to deliver sustainable, long-lerm benefit. A key development during the year was the launch of our Workplace Wellbeing Fund. which enabled Bliie Lighi workplaces across the UK to access tunding for locally led wellbeing initiatives. This programme was shaped by a participatory funding Inodel, allowing meinbers of the Blue Light cotnmunity themselves to vole on the projects thcy felt would makc the grcatest diffcrcncc. The stron¥ engagcincnt wc saw throughout this process prov¢d to be a valuable learning cxperienee, underlining the iiiipa¢t of this approach and it also reinforced the importance that frontline staff pla¢e on having w¢lcoining workplaces and surroundings. This y¢ar we ¢ontinued to invest in learning and ¢valuation. We ¢ommissioned King"s College London lo evaluate the Blue Light Togethei. platform, a digital resource connecting blue light ivorkers to information and support. We are considering the recommendations of this report and more to follow on this is the near future Alongside this, the Foundation worked to raise aTr¥areness of the challenges facing the sector, participating in cvcnls such as the Emcrgcncy Services Show aiid Blue Light ShoTr¥: eiigagiiig supplicrs and stakcholders to shiiic a spotlight on the issues affectin¥ the cominunity, as ivell as raising the Fouiidation's profile withiii thc sector We are deeply grateful to all those who support the Foundation. Generous corporate partners, including Blue Light Card, Enletyris¢, Mot()rfinity, Slat¢r and Gord()n Soli¢ilors, and Nottingham Panthers, along8id¢ inspiring comniunity fundraisers w,hether walking l 00 kilometres in 36 hours or running l Oks, they have all made a real difference. I would also lik'e to extend my sincere thank's to the CEO Emma Woods-Bolger, and the staff team at the Blue Light c.ard Foundation. Tlieir professionalism, dedication and passion for supporting the Blue Light comtnunity have been central to everytliing we have achieved iliis year. The Trustees are equally grateful to collcagues across th¢ widcr Blue Light Card or¥anisation for their ongoing support and collaboration. Lookin¥ ahead. the Foundation will build on the l¢arniii¥ froin this year by priorilising projects tliat protnotc ellbeing through connection with nature, including blue and green spaces, commissioning furtlier research inio sector needs, and developing new partnerships 10 ¢xlend our rea¢h and ¢ff¢¢liv¢n¢ss. Th¢ trustees remain confident that Ihe Foundation is Th'ell placed to continue making & positive and lasting difference to those who serve our communities eiwery day. Lastly, l M'oiild like to thank my fellow Triistees for their ongoing commitment, guidanee and support, all of which continue to play a vital role in the work of the Foundation for this year and beyond. Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION CHAIRPERSON'S STATEMENT (CONTINUED) FOR THE YEAR ENDED 30 SEPTEMBER 2025 Karen Hodgsoii Chairperson 1410512026 Date.. Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION TRUSTEES, REPORT (INCLUDING DIRECTORS, REPORT) FOR THE YEAR ENDED 30 SEPTEMBER 2025 The Trustees present their annual report and financial staletnents for the year ended 30 Septetnber ?025. The fiiian¢i&l statements have been prepared in accordance with the aceounling policies set out in Note I lo the fiiian¢ial %taieiiients and coinply ￿'1th the ¢liai'itv's obje¢t% and Arti¢l¢s of A84()ciation, the Coinp&nies A¢t 2006 and "Aecouiiting and Reporting by Charities.. Statement of Recommeiided 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 l January 2019). Objectives and activities The Bliie Light Card Foiindalion's primary fo¢us is to alleviate the challenges faced by the members of the Blue Light community due to ill-health, disability, financial hardqhips: or charitabl¢ ne¢ds. This ethos underscores its dedicalion to offering relief and support to those who tirelessly serve our society. Public benefit The Trustees confirm that they have referred to the guidance Contained ivithin the Charities Commission's general guidance on public benefil when reviewing the Blue Light Card Foundation's objectives and activities. Grants to organisations were tnade regularly through the year. Achievements #nd performance The Trusteeq of the Blue Light Card Foundation ar¢ pleased lo report a y¢ar of pi'ogress and impact, guided by our commitmeiit to improving the menial liealth and ￿'eI[being of the Blue Light communiry. This report outlines our achievements and provides a balanced evaluation of our activities. Signifieant Cbaritable Aetivities The Blue Light Card Foundation prioritised support for initiatives that directly benefit the mental health and 'ellbcii)g ot Blue Light cointnuiiity. During tlie year, the Blue Light Card Fourtdatioii made 20 largeled graiils Il)al direiil), supported the mental health and i¥ellbeing of ¢inergeii¢y respoiiders, NHS staff and related frontlin¢ professionals across the UK. Funding was awarded through both the BLCF Grants Programnie and the Workplace Wellbeing Fund, totalling £234,998. Grants ranged frotn small, practical interventions such as hydration stations. restorative staff rooms and dedicated wellbeing spaces to larger, structured PTogramtnes including resilience training, peer support, rcsidciilial retrcals and trautna-infoTmed intcrveiitions. Collcctively, Iliese initiatives aitllcd to reduce slrcss aiid burnout, itllprove resilience, strengthen peer relationships and embed wellbeiiig within everyday working environments rather than only respoiiding after Crisis. Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION TRUSTEES, REPORT (INCLUDING DIRECTORS, REPORT) (CONTINUED) FOR THE YEAR ENDED 30 SEPTEMBER 2025 Key activitie5 included: Long-term outcomes: The Blue Light Card Foundation supported a diverse range of beneficiaries, including lifeguards, firefighi¢rs, ambulance ¢r¢ws, air ambulance teams, hospi¢e staff, nurses. NHS clinicians, police famil). liaison oificers, volunteer responders and emergency service veterans. Several projects focused on building long-term capacity through training and cultural change, ensuring benefits extend beyond the life of the grant. Strategie gr#nts: Nolablyy larger strategic grants supported evidei)ce-based approaches to trauma and mental health, incliidiiig PTSD assistaii¢e dogs for einergency service personiiel, ¢ompassion fatigue resili¢n¢e training for NHS staff, and residential ￿e1]b¢ing retreats for ¢m¢rg¢ncy responders ¢xp¢ri¢ncing mental health challenges. These initiatives align closely with the Blue Light Card Foundation's commitment to preventative, sustainable approaches to mental wellbeing. Overyiew of Blue Light Together- A digital resource for the Blue Light Communitv The Blue Ligl)t Card Foundation is delighted to reflect on the tremendous strides made througl) its ongoing support of the Blue Liglit Togcther prograinme, a vital initiative addressing the mental health needs of the UK'S ciii¢rgcnLy servic¢5 Cotnmunity. Ahollt Blue Light Together Blue Light Together was conceived as a direct response to the urgent mental health challenges faced by emergencsw responders, identified in a major research projec( commissioned by The Royal Foundation of The Prince and Princess of Wales. The prograinme. initiall!, launched in collaboration with The Rojal Fouiidation and otl)er key partners. has grown into a critical resource, providii)g practical tools and mental health support for tliose on the tront lines ot emergeiicy services. Creation and Le*dership As a member of the Senior L¢ad¢rs Board, conv¢n¢d by Th¢ Princ¢ of Wales and Th¢ Royal Foundation, the Blue Light Card Foundation plays a central role in steering the programme. The Emergency Responder Senior Leaders Board is a pioneering effort, bringing together leaders from all of the UK'S emergencv services to foster collaboration and promote better 11)ental health support across the sector. By facilitating the sharing of best practices, the Board ensures that mental health becomes an embedded priority within emergency responder organisations across ihe UK. Development of the plaform This y¢ar we ¢ontinued to inveqt in learning and ¢valuation. We ¢ommissioned King s College London to evaluate the Blue Light Together platform, a digital resource connecting blue light workers to information and support, we are considering the recommendations of this report and there will be more to follow on this is the near future. Collaborations and Future Growth The Fouiidation's funding has enabled new topics to be introduced, including workplace culture and neurodivcrsity, m.hilc supporting further partnerships with organisations lik¢ thc Maternal Mental Health Alliance and the Royal Medical Bertevolenl Fund. Looking ahead, the Blue Light Card Foundation remains committed to its role within the Senior Leaders Board, gliiding the strategic direction of Blue Light Together and continuing to invest in initiatives that strengthen mental health siipport for emergency responders. The Foiindation is also undertaking an independent review of the website and content strategy to ensure the plarform evolves to meel the changing nccds of its users. Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION TRUSTEES, REPORT (INCLUDING DIRECTORS, REPORT) (CONTINUED) FOR THE YEAR ENDED 30 SEPTEMBER 2025 Fundraising Wc arc deeply ¥ratcful io all thosc who have supportcd the work of thc Blue Light Card Foundation. From the generous ¢orporale donations from our valu¢d partners incliiding Blue Light Card, Enterprise Disability, and Motorfinity, to the incredible community fiindraising initiatives. The contributions have been truly inspiring from individual cotnmunity fundraisers whether walking 100 kilomelres iii 36 hours or runiiiiig l Oks, they have all Inadc a real diffcrcnce. Financial revieiv Blue Light Card predominantly funds the Blue Light Card Foundation and provides the Blue Light Card Foundation with an iinrestricted block grant of around l 0/0 of their profits. 'Unreslricted' means that the Bliie Light Card Foundation can spend it treely. in the pursUIt of its objects (and w'ithin the legal framework of charities). As well as income generated from 'service days. They also gift 'in kind, the Human Resource5, Information Tcchnology and Financial servicc elements to the Blue Light Card Foundation. The Bli1¢ Light Card Foundation also re¢¢1￿¢$ voluntary donations, gifts from individuals and ¢orporale donors, alongside grants from other grant giving charities and amounts raised via key events held diiring the year. The Blue Light Card Foundation is registered with the Fundraising Regulator and adheres to their Code of Fundraising Practice as well as following the Charities Commission advice on best praelice. All personal data is processed in line with the General Data Protection Regulation and Data Protection Act 2018. The Blue Light Card Foundation will only process data of supporters and donors if ihey have given their opt-in consent. The Blue Light Card Foundation organise all of its fundraising internally and does not engage third parties lo seek donations from individuals. Th¢ board is mindfiil of p¢ople's privacy and does not exert iindue pressure on potential donors. Ther¢ have be¢n no ¢omplainls about the fundraising methods. Reserves policy To Cnsurc thcr¢ is no significant risk disruption to the Blue Light Card Foundation's activities, holding appropriate reserves enables the Blue Light Card Found&tion to respond to any unforeseen reduction in in¢om¢ or additional ¢xp¢nditur¢. We have based our projection for the appropriate number of reserves we require on the basis that the reserve in our target range would support short-term operations until long-term solutions can be established. A delailed revie￿. of ihe financial risk taced will be Inonitored on a ongoing basis. and our assessment of the possible fiscal iinpact of those risk5 have been incory)orated into the reserve range. Currently the t8¢rgel range is sel al 6 moiiihs, worth of operating Costs. This is currently estimated lo be £?30,000 whi¢h is below th¢ amount of r¢s¢rv¢s h¢ld at th¢ year ¢nd. The Board of Trust¢¢s ¢onsid¢rs this target range provides suificient flexibility in the context of operational requirements and for an organisation of our size. Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION TRUSTEES, REPORT (INCLUDING DIRECTORS, REPORT) (CONTINUED) FOR THE YEAR ENDED 30 SEPTEMBER 2025 Risk management Tlie Trustees have considered the major risks lo which the charity is ex]N)sed and have reviewed those risks and established systems and procedures to manage those risks. They are briefed at regular Trustee meetings and are satistied that systems are in place to mitigate exposure to major risks. Signiticant risks and appropriate mcasures to bc taken include.. Loss of majc)r funding partners - Significant uplift in fundraising activity across a broader base, full time fiindraiser ¢mploy¢d, in¢r¢ase in comm¢rcial activity and in¢reas¢d focus on income gen¢ration across all relevant activities. Grant Programme - Successfully advancing the health and ￿e1]beIng of members of the Blue Light commiinity. Loss of key charity personnel - Staff training to ensure ability to step up and mitigate potential for single points of failure to arise; and Thc Charity rcvicws annually all insurancc covcr to ¢nsure that it alway5 mects its nceds. Manag¢m¢nl of Ih¢se risks is managed by reiaining trustees and staff of signifi¢anl skill and exp¢rrise lo sit on the E¥)ard and through the quality of the organisation and people we support. Structure* governanee management The Fouiidation is a registered Community lllteresl Organisalion (CIO), nuinber 1198492, and is constituted uiider the ¢harily's obje¢ts dated l April 2022. Th¢ Trusl¢¢s, who are also th¢ dir¢¢tors for th¢ purpose of ¢oinpany law, and who served during the year and up to the date of signature of the financial statements were.. Stephen Denny Thomas Dalbi. Gareth Whitehead Robin Clegg Karen Hodgson (Chair of the Board) Kalie Pavoni David Crews J¢ffr¢y Davies (Appointed 2 October 2024) (Appointed I l June 2025) (Appoint¢d 14 November 2025) Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION TRUSTEES, REPORT (INCLUDING DIRECTORS, REPORT) (CONTINUED) FOR THE YEAR ENDED 30 SEPTEMBER 2025 Apart from thc first charit). trustees. everv trustee must be appointed for a tcrtn of thrcc years by a resolution passcd at a propcrly convened tn¢cting of thc charil) s trustees. Thc constilulion slate5 that Ilicrc Iiiust b¢ at least three Charity trustees of which the maxiinum iiuinber of trustees is twelve. At the quarterly trustees, meetin& the trustees approve the board strategy and areas of activity for the foundation, including consideration of grant making, reserves and risk management. policies and performance. The day-to-day adtninislratioi) of the foundation is delegated to the CEO. The trustees formally approve arrangemerbts, complying with the ICSA guide 'Recruitmei)I, Appointment and Ii)du¢tion of Charity Trustees, and recruit new trustees for their experience, eiiipaih )' and knowledge of the ¢li&rity and to k¢ep th¢ skills and ¢ompositioii of the truste¢ bod), and su¢c¢ssful planniiig of the under review. The charity has developed a Code of Conduct for trustees including formal statements of roles and responsibilities and provisioii for trustee training. NeTh' trustees may be sOu￿t by open- advertisement or through dialogue with tnembers of ilie Blue Light Community. On appointment new trustees sign a trustee declaration statement committing them to giving their tinie and expertise. Tlie induction process follo￿8 the ICSA good praeli¢e guide ￿..Ith a formal induction programiiie for any newly appointed trust¢¢ whi¢h includ¢s an initial m¢¢ting with th¢ chair and th¢ Iruste¢s, followed bs, a meeting with the CEO on grant making process, powers and responsibilities of the trustee board. The ￿'elcO1ne pack includes a brief history of the charity, a copy of the constitution. copy of trustee board minutes and a copy of the charilies cominission guidance 'The Essential Trustee.. What )'ou need to knoM'"' and 'Charities and public benefit,. All trustees give their time freely and no trustee reinuneration ￿'aS paid in the year. Trustees are required to disclos¢ all relevant interests and register them with the CEO and in a¢¢ordan¢¢ with Ilie Trusrees Policy withdra￿. from d¢¢isions wh¢r¢ a ¢onfli¢l of int¢rest arises. Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC BLUE LIGHT CARD FOUNDATION TRUSTEES, REPORT (INCLUDING DIRECTORS, REPORT) (CONTINUED) FOR THE YEAR ENDED 30 SEPTEMBER 2025 Statement of Trustees, responsibilities Tlie Trustees, Ivho are also the directors of Blue Light c.ard Foundation for the purpose of company law, are responsible for preparing the Trustees, Report and the financial statements in accordance with applicable law and United Kingdotn Accounting Standards (United Kingdom Generally Accepted Accounting Practice). Company law requires the Tn]stees to prepare financial statements for each financial swear ivhich give a true and fair view, of the state of affairs of the charity. and of the incoming resources and applieation of resources, including the income and expenditure, of the charitable company for that year. In preparing these financial statements, the Trustees are required to.. select suitable accounting policies and then apply them consistently: obscrve tlie mcthods and PTiTiciplcs in the Charilics SORP,. make judgeincnls and estimates that ar¢ reasonabl¢ and prudent,. and prepare the financial statements on the going con¢¢rn basis unless it is inappropriate to presuine that the ¢harily will ¢ontinu¢ in op¢ralion. The Trustees are responsible for keeping adequate accounting records that disclose ￿'1th reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and hence tor taking reasonable steps for the prevention and detection ot fraud and other irregularities. Auditor In accordance with the cotnpany's articles, a resolution proposing that UHY Hacker Young be reappoinled as auditor of the companv will bc put at a G¢n¢ral Meeting. Related parties No expenses were claimed by the Trustees in the period. Going concern 'l-he Trust¢es are of the opinion that the ¢harils' has adequate resour¢¢s to continue in operational ¢xistence for the foreseeable future and therefore these accounts have been prepared on a going concern basis. The Trustecs, report was approved by the Board of Trustces. Karen Hodgson (Chair of the Board) Trustee Date.. 1410512026 Rsign Envelope ID. ENV59888053-50N-CEBC-9929-BCBD 1910512026 10".28AM UTC UHY UHY Ha¢k•rY•un¥ 14 Park Row NOttin9h¥m Nfjl bfjR INDEPENDENT AUDITOR'S REPORT TO THE TRUSTEES OF BLUE LIGHT CARD FOUNDATION Opinion We have audit¢d the financial statements of Blue Light Card Foundation (the 'charity') for the year ¢nded 30 September 2025 which comprise the statement of financial activities, the balance sheet, the statement of cash flO￿'S and notes lo the financial statements, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and Uniled Kingdotn Accountiiig Standards, including Financial Reporting Standard 102 The Financial ReporliKg Siandard applicable in the UK and Republic oflreland {United Kingdom Generallv Accepted Accounting Practice). In our opinion, the financial statcincntS'. give a true and fair view of the state of the charitable companv's affairs as at 30 September 2025 and of its incomii)g resources and application of resources, for tlie year then ended. have been properly prepared in ae¢ordan¢e with United Kingdom Generally Accepted Accounting Practic¢; and have been prepared in accordance with the requireinents of the Coinpanies Act 2006 and the Charities Act2011. Basis for opinion We coiiducted our audit in accordance iwith International Standards on Auditing {UK) {ISAs (UK)) and applicable lalw. Our responsibilities under those standards are further described in the Audilor s respon6ibilFties for ihe audil o]'thefinanL'ial stalenients section of our Teporl. We are indcpciidcnt of the charity in accordance 'iili Ilie ethical rcquiremeiils that are relcvaiit to our audit of the financial statemeiils in thc UK, includiiig the FRC'S Ethical Standard, aiid we have fulfilled our other etliical responsibilities in a¢cordan¢e with these requirem¢nts. We believe that th¢ audil evid¢n¢¢ w¢ hav¢ obtaiiied is suificient and appropriate lo provid¢ a basis for our opinion. Conelusions relating to going eoncern In auditing the financial statements, we have concluded that the Trustees, Use of the going concern basis of accountin¥ in thc prcparation of thc financial statctncnts is appropriate. Based on the work we hai'¢ performed, w¢ have not id¢nlifi¢d any Inal¢rial iin¢¢rtainlies relating to ¢v¢nls or conditions that, individu