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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:
- Supported schools in slum areas of Pakistan by providing access to education, nutritional meals, and healthcare.
- 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.
- 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.
- 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:
- Continued provision of education, food, and healthcare for disadvantaged children in Pakistan.
- Expanded UK-based awareness campaigns and volunteer-led initiatives, strengthening donor engagement.
- A successful Pakistan High Commission networking event, engaging students and community leaders.
- Introduction of stronger financial controls, including tighter approval mechanisms, improved documentation, and segregation of duties.
- Growth of the volunteer network, enabling more effective fundraising and outreach.
- 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:
- Six months of unrestricted operational costs to safeguard core functions.
- 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:
- Expand education and welfare projects in Pakistan, reaching more children.
- Further develop governance, compliance, and financial structures.
- Increase collaboration with universities, business leaders, and community organisations.
- 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:
1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or
2. the accounts do not accord with those records; or
3. the accounts do not comply with the accounting requirements of the Act; or
4. 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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