CHARITY COMMISSION
FOR ENGLAND AND WALES
HENLEY ON THAMES CHURCHES
CENTRE
DEBT
1199S58
Receipts and payments accounts
CC16a
For the period
from
01-JU￿24
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
cA￿d 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 ServI￿S
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
SoUr￿S 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 examIne￿S 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