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REGISTERED CHARITY: 1200520 COMPANY NUMBER: CE030285
SAYA E KHUDA-E-ZULJLAL
REPORT OF THE TRUSTEES AND UNAUDITED FINANCIAL STATEMENTS
FOR THE PERIOD
01 June 2024 TO 31 May 2025
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REFERENCE AND ADMINISTRATIVE DETAILS
The trustees, present their report with the financial statements of the charity for the period 1st June 2024 to 31[st] May 2025.
INCORPORATION
The CIO Foundation was incorporated on 29 September 2022.
Registered Charity Number
1200520
Registered Office
4 Hollis Lock, Chelmsford CM2 6RR
Trustees
Mr Muzamil Tahir Trustee Mr Muhammad Hanif Trustee Dr Qaiser Kuzdafi Malik Trustee Dr Sami Ullah Khan Trustee
- appointed 30-09-23 - appointed 15.03.23 - appointed 01.09.22 - appointed 01.09.22
Independent Examiner
Nextax Advisors and Consultants Ltd 69 St Leonard Road Epsom, Surrey England KT18 5RG Email- Qasim@nextax.co.uk
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Trustees’ Annual Report
for the year ended 31 May 2025 Saya e Khuda-e-Zuljlal (SKZ) Registered Charity Number: 1200520
Structure, Governance and Management
Board of Trustees
The Board of Trustees sets strategic aims, oversees governance, and evaluates the charity’s performance in alleviating poverty and supporting education. Trustees ensure compliance with regulatory requirements and work with stakeholders to strengthen the charity’s impact. Recruiting and Appointing Trustees
All trustees serve as volunteers and are chosen for their diverse skills, knowledge, and commitment to the charity’s mission. Trustees may be nominated by stakeholders or approached directly by the board. Responsibilities of Trustees
The trustees are responsible for preparing the annual report and financial statements in accordance with applicable law and the Charity Commission’s Statement of Recommended Practice (SORP 2015). They ensure adequate accounting records are kept, transactions are properly recorded, and financial statements present a true and fair view of the charity’s financial position.
Objectives and Activities
Charitable Objects
The objects of the charity are:
“The prevention or relief of poverty and financial hardship in the UK & Pakistan by providing or assisting in the provision of education, training, food, clean water & healthcare projects, and all necessary support designed to enable individuals to generate a sustainable income and be self-sufficient.”
Activities for the Public Benefit
During the year, SKZ undertook the following activities:
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Supported schools in slum areas of Pakistan by providing access to education, nutritional meals, and healthcare.
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Ran community gatherings, fundraising events, and awareness sessions across the UK to highlight the importance of education and the challenges faced by children in slums.
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Organised a networking event with the Pakistan High Commission, engaging Cambridge University students and business/social leaders to spread awareness and showcase the charity’s impact.
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The trustees confirm they have had due regard to the Charity Commission’s guidance on public benefit in planning and delivering these activities.
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Grant-making Policy
The charity primarily supports and delivers projects directly, ensuring donor contributions are applied efficiently to frontline services. Where appropriate, grants may be made to projects that meet the charity’s objectives and criteria. Grant-making follows a documented process in the Operational Risk Management Framework to ensure transparency, fairness, and accountability. Final decisions rest with the trustees. Contribution of Volunteers
Volunteers play a vital role in fundraising, community engagement, and awareness activities. Their contribution has enabled the charity to expand outreach and sustain operations while minimising administrative costs.
Achievements and Performance
During the year ended 31 May 2025, the charity achieved:
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Continued provision of education, food, and healthcare for disadvantaged children in Pakistan.
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Expanded UK-based awareness campaigns and volunteer-led initiatives, strengthening donor engagement.
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A successful Pakistan High Commission networking event, engaging students and community leaders.
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Introduction of stronger financial controls, including tighter approval mechanisms, improved documentation, and segregation of duties.
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Growth of the volunteer network, enabling more effective fundraising and outreach.
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These achievements reflect the charity’s dual commitment to direct service delivery and building long-term governance and financial resilience.
Financial Review
Financial Position
During the year, the charity received £25,255 in donations from various sources. At the balance sheet date, no funds were in deficit. The charity reported a surplus of £1,018 , reflecting prudent financial management.
Reserves Policy
Previously, the charity did not operate a reserves policy. Recognising the need for stability as operations expanded, the trustees have adopted a new policy to maintain:
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Six months of unrestricted operational costs to safeguard core functions.
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Six months of restricted project running costs to ensure continuity of frontline services.
This reserves policy strengthens financial resilience and ensures sustainability while maximising impact. The trustees review reserves regularly to ensure they remain appropriate.
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Sources of Funds
The principal source of funding remains community-based donations, including individual giving, fundraising events, and contributions from volunteers and supporters.
Expenditure
Expenditures were focused on the charity’s objects — education, food provision, healthcare for children, and UK awareness/engagement initiatives.
Investment Policy
The charity does not currently hold investments. If investments are made in the future, trustees will adopt a conservative and ethical investment policy aligned with the charity’s mission.
Risk Management
The trustees have identified key risks and implemented mitigating measures:
Financial risk: introduction of stronger controls, segregation of duties, and adoption of a reserves policy. Operational risk: close monitoring of project delivery via local partners and structured reporting. Reputational risk: transparent communication with donors and external engagement through awareness events.
The trustees review risks on an ongoing basis to ensure continued resilience.
Plans for the Future
In the coming year, SKZ intends to:
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Expand education and welfare projects in Pakistan, reaching more children.
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Further develop governance, compliance, and financial structures.
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Increase collaboration with universities, business leaders, and community organisations.
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Strengthen volunteer networks in the UK to sustain outreach and engagement.
Declaration
The trustees declare that they have approved the trustees’ report above.
Signed on behalf of the charity’s trustees:
Signature: ____ Name: Muzamil Tahir Position: Treasurer Date: _ 09/09/2025 Signature: ____ Name: Dr. Sami Ullah Khan Position: Chairperson Date: _ 09/09/2025
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Independent Examiner’s Report to the Trustees of Saya e Khuda-e-Zuljlal (SKZ)
I report to the trustees on my examination of the accounts of Saya e Khuda-e-Zuljlal (SKZ) (“the charity”) for the year ended 31 May 2025 .
Responsibilities and Basis of Report
As the trustees of the charity, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).
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
I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination which give me cause to believe that:
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accounting records were not kept in respect of the charity as required by section 130 of the Act; or
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the accounts do not accord with those records; or
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the accounts do not comply with the accounting requirements of the Act; or
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There is further information or explanations needed for a proper understanding of the accounts.
I have no concerns and have no other matters to report.
Independent Examiner’s Details
Name: Nextax Advisors and Consultants Ltd
Address: 69 St Leonard Road, Epsom, Surrey, England, KT18 5RG
Email: Qasim@nextax.co.uk 10/09/2025 Date: ____
Signed: ___ Name: Muhammad Ihtzaz Qasim
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SAYA E KHUDA-E-ZULJLAL 1200520 Receipts and payments accounts CC16a For the period Period start date Period end date To from 1st June 2024 31st May 2025
| Section A Receipts and payments | Section A Receipts and payments | |||||
|---|---|---|---|---|---|---|
| A1 Receipts | Unrestricted funds to the nearest £ 250 - - - - - - - 250 - - - 250 - 355 - - - - - - - 355 - - - 355 - 105 - - 448 - 553 |
Restricted funds to the nearest £ 25,005 - - - - - - - 25,005 - - - 25,005 31,103 - - - - - - - - 31,103 - - - 31,103 - 6,098 - 7,669 1,571 |
Endowment funds to the nearest £ - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - |
Total funds to the nearest £ 25,255 - - - - - - - 25,255 - - - 25,255 31,103 355 - - - - - - - 31,459 - - - 31,459 - 6,203 |
Last year to the nearest £ |
|
| Donations | 250 | 23,430 | ||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| Sub total(Gross income for AR) |
250 | 23,430 | ||||
| A2 Asset and investment sales, (see table). |
||||||
| - | ||||||
| - | - | |||||
| ~~Sub total~~ | - | - | ||||
| Total receipts A3 Payments |
||||||
| 23,430 | ||||||
| Charitable Activities | - | 15,240 | ||||
| Administrative Expense | 355 | 863 | ||||
| Governance Cost | - | 400 | ||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| - | - | |||||
| **Sub total ** | 355 | 16,503 | ||||
| A4 Asset and investment purchases, (see table) |
||||||
| - | ||||||
| - | ||||||
| **Sub total ** | - | - | ||||
| Total payments Net of receipts/(payments) A5 Transfers between funds A6 Cash funds last year end Cash funds this year end |
||||||
| 16,503 | ||||||
| - 105 | - 6,098 | - | - 6,203 |
6,927 | ||
| - | - | - | - | - | ||
| - 448 | 7,669 | - | 7,221 | 294 | ||
| - 553 | 1,571 | - | 1,018 | 7,221 |
CCXX R1 accounts (SS)
09/09/2025
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| Section B Statement of assets and liabilities at the end of the period | Section B Statement of assets and liabilities at the end of the period | Section B Statement of assets and liabilities at the end of the period | |
|---|---|---|---|
| Categories Signed by one or two trustees on behalf of all the trustees B5 Liabilities B3 Investment assets B2 Other monetary assets B4 Assets retained for the charity’s own use B1 Cash funds |
Details Details Total cash funds (agree balances with receipts and payments account(s)) Details Details Details Signature |
Unrestricted funds Restricted funds to nearest £ to nearest £ - 553 1,571 - - - - - 553 1,571 OK OK Unrestricted funds Restricted funds to nearest £ to nearest £ - - - - - - - - - - - - Fund to which asset belongs Cost (optional) - - - - - Fund to which asset belongs Cost (optional) - - - - - - - - - Fund to which liability relates Amount due (optional) - - - - - Print Name Muzamil Tahir Dr Sami Ullah Khan |
Endowment funds to nearest £ |
| - | |||
| - | |||
| - | |||
| - | |||
| OK | |||
| Endowment funds to nearest £ |
|||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| Current value (optional) |
|||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| Current value (optional) |
|||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| When due (optional) |
|||
| Date of approval |
|||
| Muzamil Tahir | 09/09/2025 | ||
| Dr Sami Ullah Khan | 09/09/2025 |
CCXX R2 accounts (SS)
09/09/2025
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