CHARITY COMMISSION FOR ENGLAND AND WALES HENLEY ON THAMES CHURCHES CENTRE DEBT 1199S58 Receipts and payments accounts CC16a For the period from 01-JU24 30-Jun-25 Section A Receipts and payments Unrestricted funds Restricted funds Endowment funds Total funds Last year to the nearest £ to the nearest £ to the nearpst £ to the nearest £ A1 Recei Grants and donations Churches. supwrt other GiftAid donations Fundraising events Bank interest Just Giwng Legacy S4269 12.170 54.269 12,170 62.236 1,186 1,186 1,596 19,392 491 765 765 573 25.000 5T3 25.OOQ 2.949 Sub total (Gross income for AR) 93.963 93,963 96,267 A2 Asset and investment sales. {see table). Sub total 93.963 93,963 96,267 A3 Payments Staff MUneratIon charg8 Contribution lo Slaff Natton Insurance and Pension 46,023 46,023 3Z733 3.820 3.820 4.310 Professional fees 720 Charitsble donatio." Christians Against Povefty Other Room hire Bank ¢harge5 Fundiasing Costs Stsff incurre(l expenses A¢¢ountsrw seTrTces 11113 12.113 12, 137 985 1.534 10S 1,534 10S 1,286 109 8.488 2.968 1387 970 2.387 970 Sub total 68213 68,213 63.795 A4 Asset and investment purchases. (see table) Sub total Total payments 68,213 68.213 63. 795 Net of receipt&l(paymentsJ A5 Transfers between funds A6 Cash funds last year end Cash funds this year end CCXX Rl accounts (SS} 25,750 25,750 32,472 64,860 90.611 64,860 90,611 32.388 64,860 1110112026
Section B Statement of assets and liabilities at the end of the period Unrestricted funds to nearest £ Restricted funds to nearest £ Endowment funds to nearest £ Categories DetaTIs B1 Cash funds Cash at bank". current account {2024: £1.860) Cash at bank: depostl accouDt (2024: £63,IXIO) 1.611 Total cash funds 90.611 acc(wnt{sll Unrestricted funds Restricted funds to nearest £ Endowment funds Details Debtor for 2022r23 tsx claim due on GiftAha Debtor for 2023r24 lax claim due on GiftAid to nearest £ to nearest £ B2 Other monetary assets 399 Oetrtor for 6 Apil to 30 June 21Y24 tax d&"m due on GiftAid Debtor for year to 30 June 2025 tax cla.m due on GiftAid. based on £1186 297 cAd by HMRC SMP recovery less tax & Nl due 1,328 2.265 Fund to whl¢h Cost loptionall Currenl valu {optlonall Details B3 Investment assets Fund to which asset belongs Cost loptlonall Current value {optional) Details B4 Assets retained for the charity's own use Fund to whf¢h liability rejates Unrestricted (General) Amount due loptional} Vthen due loptlonall Details Credrtor for staff payroll costs 12024.. £4,101) Staff incurred expenses £419) BS Liabilities (2024 Bank (tsges Accountsncy seTrryces 437 530 Signed by one or trustees on behalf of all the trustees Date of approval ature Print Name Jeremy Charks Tayler Francis Dominic Goodwin i< CCXX R2 accounts Issi 1110112026
CHARITY COMMISSION FOR ENGLAND AND WALES Trustees, Annual Report for the period From: To: 1st July 2024 Period start date 30th June 2025 Period end date Charity name: Henley on Thames Churches Debt Centre Charity registration number: 1199558 Objectives and Activities SORP reference Summary of the purposes of the charity as set out in its goveming document Para 1.17 The purposes of the charity are for the public benefit: a) The relief of poverty for persons living in and around Henley on Thames who are in conditions of need, hardship or distress by reason of their social or economic circumstances by providing advice and other services as the trustees may from time-tO•time think fit: b) The advancement of education of the public living in and around Henley on Thames 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 ma from time-to-time think fit. We operate 3 essential services: Summary of the main activities in relation to those purposes for the public benefit, in particular, the activities. projects or ServIS identified in the accounts. Statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission on public benefit Para 1.17 and 1.19 1) Debt Counselling 2) Job Club 3) Life Skillsl Financial Budgeting Para 1.18 I confirm that the Trustees have received, read and agreed to the guidance issued by the Charity Commission on public benefrt.
Additional information (optional) You ma choose to include further statements where relevant about: SORP reference The Debt Centre staff are supported by volunteers in 4 areas: Para 1.38 Contribution made by volunteers 1. Befrienders who accompany the debt coach in debt counselling 2. Coaches who are trained to assist in Life Skills, Job Club and Money Management courses 3. General volunteers who give one to one support to all course attendees 4. Collection and distribution of perishable food from Gail's Bakery 6 days a week to Debt Centre clients Achievements and Performance SORP reference 1) Debt Counselling We have now provided debt help to over 65 clients during our initial 3 years, of whom 25 households. comprising of 27 adults and 29 children, had become debt free, clearing just over £554,000 of debts. 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 As with last year - each case is uniquely different and people in our community from all walks of life. The weight of debt can bring depression and serious mental health concerns. This brings many of our clients isolation, a withdrawal from community and a decrease in perceived self-worth. 2) Job Club Since beginning the Job Club courses. we have now run 4 courses and provided training to 27 Henley residents, 11 of whom have now found employment that we're aware of. 2 x 8 week courses a year are planned in Henley. A recent pilot Job Club was also delivered at Yeldall Manor, with plans to run regularly in the future. We continue to run an IT Basics course based at the Henley library by the Activate Learning programme Our catchment area continues to be local residents within RG9110 post codes to ensure that we build community and offer community opportunities to also link into church activitiesldrop in and take part in the two.
3) Life Skillsl Financial Budgeting Each year run 2 Lrfe Skills courses. In the Lrfe Skills course, we cover practical money saving techniques such as shopping and cooking on a budget, living healthily on less, home energy saving tips, creating a personal budget, and how to make good spending choices. We have run 5 courses so far with a total of 27 members, many have said what a valuable time they had both in 'wiseing up, with money but with a very real sense of belonging and feeling safe to share. Financial Review Review of the charity's financial position at the end of the period Para 121 The Debt Centre had total receipts of £93,963 And payments of £68,213 Bank balances for the Debt centre at Year end were £90.611 The Trustees have a target objective of holding the equivalent of 12 months costs in reserves. in order to provide stabili and continui of all our services £90,611 at ear end nla Statement explaining the policy for holding reserves stating why they are held Para 1.22 Amount of reserves held Reasons for holding zero reserves Details of fund materially in deficit Explanation of any uncertainties about the charity continuing as a going concem Para 122 Para 122 Para 1.24 Para 1.23 The Charity is a going concern, but we are always reliant on external fundraising to supplement the core contributions from local churches Additional information (optional) You ma choose to include further statements where relevant about: Our four founding churches: St Mary's Henley Trinity @ 4 Christchurch URC Henley Baptist Church Our associated partner churches: St Nicholas Remenham Sacred Heart, RC, Henley St Mary's Wargrave Henley Town Council South Oxfordshire District Council Henley Lions Aliquando Chamber Choir The Anthony (Tony) Lane Foundation The charity's principal SoUrS of funds (including any fundraising) Para 1.47
Local charitable foundations, who have given anonymously. Private individuals, many of whom have chosen to enhance their donations with Gift Aid We also received a legacy request from the estate of Richard Fletcher. late Churchwarden of St Mary's church, Henley Structure. Governance and Management Description of charity's trusts: Type of goveming document I w a1 Ghdiier How is the charity constituted? Icorporated association: 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 125 Trust Deed Para 125 cio Para 1.25 4 of our 6 Trustees are the Church leaders from our founding churches: St Marys Henley, Holy Trinityrrrinity @4 Henley, Henley Baptist Church and Christchurch URC, Henley 2 other Trustees are retired businessmen I church members All our Trustees are unpaid volunteers Additional information (optional) You ma choose to include further statements where relevant about: We are affiliated with the National Charity "Christians Against Poverty" whereby we make agreed monthly payments and receive in return 1) essential support for the recruitment I training of our staff 2) specialised FCA regulated rinancial advice to assist the renegotiation I resolution of our Debt Clients, financial issues 3) specialised training materials to help run our Job Club and Life Skills l Money Management courses Our creation was supported by 2 local charities who identified the need for specialised Debt assistance: 1) Citizens Advice 2) Nomad Both charities now refer clients to use our services The charity's organisational structure and any wider network with which the charity works Para 1.51 Relationship with any related parties Para 1.51
Social Prescribers within local NHS surgeries also signpost potential clients for our services Reference and Administrative details Charity name Other name the chari uses Registered charity number Charity's principal address Henle on Thames Churches Debt Centre Henle Debt Centre 1199558 2 NORTHFIELD HOUSE 11, NORTHFIELD END HENLEY-ON-THAMES RGg 2JG
Names of the charity trustees who manage the charity Nam eof pers on (or body Trustee name Office (If any) Dates acted rf not for whole year entitl edto appo trust ee (if an Rev Jeremy Tayler Rev Samuel Brewster Chair Pastor Joanne Bray Rev Glyn Millington Terence Grourk Francis Goodwin Treasurer Declarations The trustees declare that they have approved the trustees, report above. Signed on behalf of the charity, ustees Signature(s) Full name(s) Rev Jeremy Tayler Position (eg Secretary, Chair, etc) Chair Date E0EC
Independent Examinerfs Report to the Trustees of the Henley On Thames Churches Debt Centre on the accounts for the year ended 30 June 2025 as set out on pages 1 2 I report to the trustees on my examination of the accountsa of the above charity C'the Trust for the year ended 30 June 2025 Responsibilities and basis of report As the charitvs trustees, you are responsible for the preparation of the accounts in accordan 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 carying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. Independent examIneS statement I have completed my examination. I confinTr 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: the accounting records were not kept in accordance with section 130 of the Charities Act; or the accounts did not accord with the accounting records. or the accounts did 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 fairf view which is not a matter considered as 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. Signed ........................ Dated: 17 January 2026 Name: Relevant professional qualification(s) or body (rf any): Mr Robert L Somers FCA Member of the Instttute of Chartered Accountants in England and Wales Address: 121 Mountview Henley on Thames Oxfordshire RG92HD