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2025-07-31-accounts

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Clean Slate Financial Wellbeing Services CIO

Trustees' Annual Report

Year ended 31 July 2025

Charity No. 1202493

Reference and Administrative Details

Charity Name Clean Slate Financial Wellbeing Services CIO Charity Number 1202493 Registered Office 1 Carliol Square, Newcastle upon Tyne NE1 6UF Accountants Accounting for Good CIC, 2 Geordie Ridley Place, Upper Precinct Wesley Court, Blaydon on Tyne, Tyne and Wear, NE21 5BT Trustees C. Harrison J.C. Sowerby-Robinson J.C. Wallenberg (resigned 30 May 2025) CEO Andrew Smith (appointed 1 May 2025) Naomi Kenneth (resigned 30 April 2025) Founder Graham Brewis Year End 31 July 2025

Structure, Governance and Management

Legal Structure

Clean Slate Financial Wellbeing Services is a Charitable Incorporated Organisation (CIO), constituted in 2023. It is governed by its constitution and regulated by the Charity Commission for England and Wales.

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Trustee Recruitment and Appointment

The CIO's constitution provides for a minimum of three and a maximum of seven charity trustees. Trustees may be appointed by existing trustees or by members in accordance with the constitution.

New trustees receive a comprehensive induction covering Clean Slate's history, values and current strategy; Charity Commission guidance; a role clarity document; access to key governance documents; and introductory meetings with the CEO and Founder.

Trustee Responsibilities

The trustees are responsible for:

— Trustees also bring their unique skills, networks and lived experience as active contributors not just overseers.

Governance Approach

The Board meets quarterly as a minimum, with an annual strategy review. Trustees have — committed to a Human Learning Systems (HLS) approach to governance integrating reflective practice, case reviews and learning from what works into the governance cycle. This means governance is part of the learning loop, not separate from it.

Roles are clearly defined between the CEO (operational leadership and delivery), the Founder (strategic projects, networks and ambassadorial work), and Trustees (governance, oversight and shared ownership of strategy). This clarity creates the conditions for trust and effective collaboration.

Board Capacity and Recruitment

Following the resignation of one trustee during the year, the Board operated with reduced trustee capacity while trustee recruitment and appointment processes were undertaken. During this period, trustees focused on maintaining effective oversight and continuity of service delivery. Governance capacity has since been restored and strengthened.

Pay Policy

The CEO and staff are remunerated in accordance with the charity's pay policy, which is reviewed annually by trustees.

Clean Slate is committed to being a progressive employer, working towards paying the real living wage to all staff. No employee received emoluments over £60,000 in the year.

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Risk Management

Trustees have identified the following principal risks and have put mitigation measures in place:

Risk Mitigation
Reliance on grant income / funder
concentration		 Active diversification of income streams;
development of a fundraising strategy; growth in
contract income; exploration of earned income
opportunities.
Staff capacity and retention Commitment to real living wage; workforce
development.
Data protection and GDPR Trustees actively oversee data protection
compliance; policies reviewed regularly.
Safeguarding Designated safeguarding lead in post; annual policy
review; all staff and volunteers DBS checked.
Reserves / financial resilience Trustees have set a reserves policy of a minimum of
three months' operational turnover; progress against
this target is actively monitored.

Objectives and Activities

Charitable Objectives

Clean Slate Financial Wellbeing Services CIO is dedicated to the promotion of financial inclusion and wellbeing for young people aged 16 and over and adults who are recovering from addiction and mental ill health in Tyne and Wear.

Public Benefit

The trustees confirm that they have had regard to the Charity Commission's guidance on public benefit. Clean Slate provides significant public benefit by directly supporting people in recovery from substance misuse, addiction and mental ill health in Tyne and Wear. Its work contributes to whole-person recovery and promotes financial inclusion, addressing root causes of poverty and social exclusion.

Our Approach

Clean Slate was founded by and for people in recovery.

Our team and Board members bring lived experience of addiction and recovery, offering a unique depth of understanding and empathy to everyone we work with. Shame, stigma and discrimination based on mental health status or addiction history are key reasons why people do not seek help. We take care to ensure that recovery is visible and celebrated at all levels of our organisation and because of this we have developed a reputation as a trusted service within the recovery community.

Our work is grounded in local communities and ensures accessibility is not hindered by unstable housing, access to technology, digital literacy gaps or cognitive challenges — all of which can be significant barriers when engaging with increasingly digital financial support services, creditors and service providers.

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Financial inclusion represents a critical component of sustainable recovery. Without addressing financial barriers, recovery efforts are undermined. The Clean Slate approach to financial inclusion creates a powerful positive feedback loop supporting sustained recovery and wellbeing.

Services Delivered

Our core services include:

Achievements and Performance

Our Impact in 2024 – 2025

This year saw continued growth in demand for our services and steady progress in strengthening our reach and impact across the communities we support. Building on our first year as a CIO, we supported more people while maintaining a personalised and relationshipbased approach to delivery. Alongside increased engagement, we continued to strengthen partnerships and develop the organisational foundations needed to support sustainable future growth.

Impact Metric 2024–25
Referrals received 183
Client engagement rate 94%
People supported 172
Receiving benefits advice 57%
Receiving debt support 45%
Receiving budgeting guidance 21%

Referral Partners

Referrals were received from a wide range of partner organisations across the recovery, health and social care system, including:

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Stories of Difference

— — The following case studies drawn from across the year illustrate the life-changing difference Clean Slate's work makes to individuals:

Debt, Housing and Recovery

— Client came to us with £25,000 of debt much of which they were unaware of.

Working through each creditor, we revealed the full picture, supported client to obtain a Debt Relief Order, ensured their bedroom tax was covered and supported them to be rehoused. At the time of writing, they have been abstinent for six months and are engaging consistently with recovery support.

Practitioner reflection: 'It has been a privilege to see their transformation from a frightened, damaged individual into a person with a zest for life.'

PIP Appeal, Debt and Autism

At age 15 this Client had a formal diagnosis of autism rescinded and was subsequently awarded zero points in a previous PIP application.

We supported them to appeal, their diagnosis was reinstated and PIP was awarded indefinitely.

A Debt Relief Order cleared £27,000 of debt.

Practitioner reflection: When I met them they were 'unable to see any solution' — this was someone who felt abandoned by the system. With consistent, patient support, trust was built, and they were able to keep their job and continue making a valuable contribution to the world.

Terminal Diagnosis and Debt

Client came to us facing a terminal diagnosis with over £23,000 of debt, much of it unknown to her, including priority bills.

We arranged a 60 day debt respite period - Breathing Space, sat with them to call each creditor. Once the full picture was clear we were able to support her in applying for a Debt Relief Order.

We also set up direct debits on all their ongoing accounts and provided budgeting guidance.

In their own words: 'I can live again.' The weight of their debt had been causing significant distress they had not fully realised until it was removed.

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Benefits, Domestic Abuse and Financial Stability

This client had recently escaped long-term domestic abuse and was struggling to survive financially. A full benefits assessment revealed they would be significantly better off on Universal Credit.

We completed the UC application at the first appointment, then applied for Council Tax — Support on their behalf they were awarded 100% support.

The outcome was that they are now £460 per month better off, with the financial stability she needs to begin rebuilding their life.

How We Learn

We understand the difference our work is making through:

Strategic Progress in 2024 – 2025

– During the year, the Board adopted Strategic Priorities for 2025 2028 and began implementation across the following priority areas:

Financial Review

Financial Performance

– The charity has delivered a strong financial performance in 2024 2025, significantly improving its position compared to the prior year. The following summary is drawn from the independently examined accounts for the year ended 31 July 2025.

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

2024–25 £ 2023–24 £
Total income 84,910 77,446
Total expenditure 46,862 65,411
Net income for the year 38,048 12,035
Total funds at year end 47,364 9,316

Income

Total income was £84,910, an increase of £7,464 on the prior year. The main sources of income were:

The charity remains largely grant-funded, reflecting its stage of development. Trustees are actively pursuing diversification of income streams, including growth in contract income and exploration of earned income opportunities.

Expenditure

– Total expenditure was £46,862, a reduction of £18,549 from the prior year (2023 24: £65,411). Key expenditure items were:

The reduction in expenditure reflects more efficient use of resources. No employee received emoluments over £60,000. Pension contributions totalled £502.

Reserves Policy

Trustees have determined a reserves policy of a minimum of three months' operational turnover, to be achieved by the end of the financial year 2025 – 2026. Reserves are to be built from unrestricted funds generated through donations, earned income and, where possible, efficiency savings. Progress against this target accelerated during the year following improvement in unrestricted reserves and continues to be monitored at each Board meeting.

Funds Position

– At 31 July 2025, total funds stood at £47,364 (2023 24: £9,316):

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

The improvement in unrestricted funds from a deficit of £3,556 to a positive balance of £6,040 is a significant milestone. Trustees continue to monitor the balance between restricted and unrestricted funds and are working to grow the unrestricted base.

Assets

At 31 July 2025, the charity held:

Financial Approach

Our trustees ensure that resources are used efficiently and effectively and that funds are directed towards our charitable objectives. The charity remains exempt from tax on its charitable activities.

Plans for the Future

– Looking ahead to 2025 2028, the charity's six strategic priorities will guide its direction of travel:

As our founder Graham Brewis has said: 'Recovery is not a destination — it is a direction of travel. So is the work of Clean Slate.'

Statement of Trustees' Responsibilities

The charity trustees are responsible for preparing the trustees' annual report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable

Charity No. 1202493

Clean Slate Financial Wellbeing Services CIO | Trustees' Annual Report 2024 – 2025

Charities (Accounts and Reports) Regulations, and the provisions of the Trust Deed. The trustees are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Approved by the trustees

Approved at a meeting of the Trustees held on 22 May 2026.

----- Start of picture text -----
SIGN
----- End of picture text -----

_____ JC Sowerby-Robinson | Chair of Trustees

Date: 22 May 2026

On behalf of the Board of Trustees, Clean Slate Financial Wellbeing Services CIO

Charity No. 1202493

2 Geordie Ridley Place Upper Precinct, Wesley Court Blaydon on Tyne | Tyne and Wear | NE21 5BT

Signed by:

Justina Claire Sowerby-Robinson

Signing request

28/05/2026, 16:48:20

Created: 28/05/2026, 16:48:20 Description: - Document owner: Clean Slate Financial Wellbeing Services CIO Original document name: CleanSlateFinancialWellbeingServicesCIO_31-07-2025_FinalAccounts.pdf Original document checksum: 4f9aae6c3d59edf48dd40b59b8c84388f3fd3b62121d903dae5d91d5466daae7 (SHA-256)

Signee

Signed: Comment:

29/05/2026, 09:16:51

Name as registered in practice management software:

Sowerby-Robinson, Justina Claire

Name as provided by signee: E-mail address: IP Address: Browser user agent:

Justina Claire Sowerby-Robinson claire@emanate-dev.com

81.96.15.233

Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/148.0.0.0 Safari/537.36

Powered by Engager.app. 46.4.0 / 46.4.0

Accounting for Good CIC  accountingforgood.co.uk

✉ support@accountingforgood.co.uk  07967226692

Clean Slate Financial Wellbeing Services CIO

Charity No. 1202493

Trustees' Report and Unaudited Accounts

31 July 2025

Clean Slate Financial Wellbeing Services CIO Contents

Pages
Trustees' Annual Report 2
Independent Examiner's Report 3
Statement of Financial Activities 4
Balance Sheet 5
Statement of Cash flows 15
Notes to the Accounts 6 to 14
Detailed Statement of Financial Activities 16 to 17

Page 1

Clean Slate Financial Wellbeing Services CIO Trustees Annual Report

The trustees present their report with the unaudited financial statements of the charity for the year ended 31 July 2025.

REFERENCE AND ADMINISTRATIVE DETAILS

Charity No. 1202493

Trustees

The following trustees served during the year:

C. Harrison

J.C. Sowerby-Robinson J.C. Wallenberg (Resigned 30 May 2025)

Accountants

Accounting for Good CIC 2 Geordie Ridley Place Upper Precinct Wesley Court Blaydon on Tyne Tyne and Wear NE21 5BT

Statement of trustees' responsibilities in relation to the financial statements

The charity trustees are responsible for preparing a trustees' annual report and financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the Trust deed. The Trustees are also responsible for safeguarding the assets of the charity and hence taking reasonable steps for the prevention and detection of fraud and other irregularities.

Signed on behalf of the charity's trustees

J.C. Sowerby-Robinson Trustee 22 May 2026

Page 2

Clean Slate Financial Wellbeing Services CIO Independent Examiners Report

Independent Examiner's Report to the trustees of Clean Slate Financial Wellbeing Services CIO

I report to the trustees on my examination of the financial statements of Clean Slate Financial Wellbeing Services CIO for the year ended 31 July 2025.

Responsibilities and basis of report

As the charity's trustees you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the 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 can confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

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 financial statements to be reached.

Kay Wightman FFA FTA Accounting for Good CIC 2 Geordie Ridley Place Upper Precinct Wesley Court Blaydon on Tyne Tyne and Wear NE21 5BT 22 May 2026

Page 3

Clean Slate Financial Wellbeing Services CIO Statement of Financial Activities

for the year ended 31 July 2025

Notes
Income and endowments
from:
Donations and legacies
3
Charitable activities
4
Other trading activities
5
Total
Expenditure on:
Raising funds
6
Charitable activities
7
Other
8
Total
Net gains on investments
Net income
9
Transfers between funds
Net income before other
gains/(losses)
Other gains and losses
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 Unrestricted
funds		 Restricted
funds		 Total funds Total funds
2025 2025 2025 2024
£ £ £ £
48 - 48 2,146
- 66,907 66,907 60,254
17,955 - 17,955 15,046
18,003 66,907 84,910 77,446
- - - 674
- 795 795 3,213
8,407 37,660 46,067 61,523
8,407 38,455 46,862 65,410
- - - -
9,596 28,452 38,048 12,036
- - - -
9,596 28,452 38,048 12,036
9,596 28,452 38,048 12,036
(3,556) 12,872 9,316 (2,720)
6,040 41,324 47,364 9,316

Page 4

Clean Slate Financial Wellbeing Services CIO Balance Sheet

at 31 July 2025

Charity No. 1202493
Fixed assets
Intangible assets
11
Tangible assets
12
Current assets
Debtors
13
Cash at bank and in hand
Creditors:Amount falling due within one year
14
Net current assets
Total assets less current liabilities
Net assets excluding pension asset or liability
Total net assets
The funds of the charity
Restricted funds
16
Restricted income funds
Unrestricted funds
16
General funds
Reserves
16
Total funds		 2025
£
840
222
1,062
1,502
45,985
47,487
(1,185)
46,302
47,364
47,364
47,364
41,324
41,324
6,040
6,040
47,364		 2024
£
2,100
378
2,478
665
6,824
7,489
(651)
6,838
9,316
9,316
9,316
12,872
12,872
(3,556)
(3,556)
9,316

Approved by the trustees on 22 May 2026

And signed on their behalf by:

J.C. Sowerby-Robinson Trustee 22 May 2026

Page 5

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

for the year ended 31 July 2025

Basis of preparation

The financial statements have been prepared in accordance with Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic if Ireland (FRS 102) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.

Change in basis of accounting or to previous accounts

There has been no change to the accounting policies (valuation rules and method of accounting) since last year and no changes have been made to accounts for previous years.

Fund accounting

Income

Volunteer help The value of any volunteer help received is not included in the accounts. Investment income This is included in the accounts when receivable. Gains/(losses) on This includes any gain or loss resulting from revaluing investments to market value revaluation of fixed at the end of the year. assets Gains/(losses) on This includes any gain or loss on the sale of investments. investment assets

Page 6

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Expenditure

Taxation

The charity is exempt from tax on its charitable activities.

Tangible fixed assets and depreciation

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life:

Computer Equipment 33% Straight Line

Freehold investment property

Investment properties are measured initially at cost and subsequently at fair value at each balance sheet date and are not depreciated. All gains or losses are taken to the Statement of Financial Activities as they arise.

Intangible fixed assets and amortisation

Intangible fixed assets (including purchased goodwill, patents and trademarks) are carried at cost less accumulated amortisation and impairment losses. Brand 20% Straight Line

Stocks

Stock is included at the lower of cost or net realisable value. Donated items of stock are recognised at fair value which is the amount the charity would have been willing to pay for the items on the open market.

Trade and other debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Page 7

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Cash and cash equivalents

Cash and cash equivalents comprise cash at bank and on hand, demand deposits with banks and other short-term highly liquid investments with original maturities of three months or less and bank overdrafts. In the statement of financial position, bank overdrafts are shown within borrowings or current liabilities. In the Statement of Cash Flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the company's cash management.

Trade and other creditors

Short term creditors are measured at the transaction price. Other creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

Research and development

Expenditure on research and development is written off in the year in which it is incurred.

Foreign currencies

Monetary assets and liabilities denominated in currencies other than the functional currency of the charity are translated at the rates of exchange prevailing at the end of the reporting period. Transactions in currencies other than the functional currency of the charity are recorded at the rate of exchange on the date that the transaction occurred.

All exchange differences are are taken into account in arriving at net income/expenditure.

Leased assets

Where the charity enters into a lease which entails taking substantially all the risks and rewards of ownership of an asset, the lease is treated as a finance lease.

Leases which do not transfer substantially all the risks and rewards of ownership to charity are classified as operating leases.

Assets held under finance leases are initially recognised as assets of the charity at their fair value at the inception of the lease or, if lower, at the present value of the minimum lease payments. The corresponding liability to the lessor is included in the balance sheet date as a finance lease obligation. Lease payments are apportioned between finance expenses and reduction of the lease obligation so as to achieve a constant rate of interest on the remaining balance of the liability. Finance expenses are recognised immediately, unless they are directly attributable to qualifying assets, in which case they are capitalised in accordance with the charity's policy on borrowing costs. Assets held under finance leases are depreciated in the same way as owned assets.

Operating lease payments are recognised as an expense on a straight-line basis over the lease term. In the event that lease incentives are received to enter into operating leases, such incentives are recognised as a liability. The aggregate benefit of incentives is recognised as a reduction of rental expense on a straight-line basis.

Pension costs

The charity operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the charity pays fixed contributions into a separate entity. Once the contributions have been paid the charity has no further payments obligations. The contributions are recognised as expenses when they fall due. Amounts not paid are shown in accruals in the balance sheet. The assets of the plan are held separately from the charity in independently administered funds.

Page 8

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Receipt of donated goods, facilities and services

All donated goods, facilities and services received are recognised within incoming resources and expenditure at an estimate of the value to the charity.

2 Statement of Financial Activities - prior year

2
Statement of Financial Activities - prior year
Income and endowments from:
Donations and legacies
Charitable activities
Other trading activities
Total
Expenditure on:
Raising funds
Charitable activities
Other
Total
Net income
Net income before other
gains/(losses)
Other gains and losses:
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward
3
Income from donations and legacies
Donations Received
4
Income from charitable activities
Grants Received		 Unrestricted
funds
2024
£
2,146
-
15,046
17,192
674
3,213
14,142
18,029
(837)
(837)
(837)
(2,720)
(3,557)
Unrestricted
£
48
48
Restricted
£
66,907
66,907		 Restricted
funds
2024
£
-
60,254
-
60,254
-
-
47,382
47,382
12,872
12,872
12,872
-
12,872
Total
2025
£
48
48
Total
2025
£
66,907
66,907		 Total funds
2024
£
2,146
60,254
15,046
77,446
674
3,213
61,524
65,411
12,035
12,035
12,035
(2,720)
9,315
Total
2024
£
2,146
2,146
Total
2024
£
60,254
60,254

Page 9

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Contract Income
6
Expenditure on raising funds
Fundraising trading costs
Contract Income
7
Expenditure on charitable activities
Expenditure on charitable
activities
Volunteer Expenses
Governance costs
8
Other expenditure
Bank loan and overdraft
interest payable
Employee costs
Motor and travel costs
Premises costs
Amortisation, depreciation,
impairment, profit/loss on
disposal of fixed assets
General administrative costs
Legal and professional costs
9
Net income before transfers
This is stated after charging:
Depreciation of owned fixed assets		 Unrestricted
£
-
-
-
3,222
1,416
1,019
2,750
8,407		 Unrestricted
£
17,955
17,955
Restricted
£
795
795
Restricted
£
-
32,873
2,476
2,311
-
-
-
37,660
2025
£
156		 Total
2025
£
17,955
17,955
Total
2025
£
-
-
Total
2025
£
795
795
Total
2025
£
-
32,873
2,476
5,533
1,416
1,019
2,750
46,067		 Total
2024
£
15,046
15,046
Total
2024
£
674
674
Total
2024
£
3,213
3,213
Total
2024
£
19
43,545
2,942
3,826
1,764
4,153
5,274
61,523
2024
£
84

Page 10

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

10 Staff costs

Salaries and wages
Social security costs
Pension costs
No employee received emoluments in excess of £60,000.
Total employee benefits received by key management
personnel
11 Intangible fixed assets
Cost
At 1 August 2024
At 31 July 2025
Amortisation and
impairment
At 1 August 2024
Amortisation charge for the
year
At 31 July 2025
Net book values
At 31 July 2025
At 31 July 2024
Branding		 2025
32,371
-
502
32,873
2		 Other
£
6,300
6,300
4,200
1,260
5,460
840
2,100		 2024
44,137
(2,178)
1,006
42,965
3
Total
£
6,300
6,300
4,200
1,260
5,460
840
2,100
Amortisation of branding

Page 11

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

12 Tangible fixed assets

Computer
Equipment
£
Cost or revaluation
At 1 August 2024
545
At 31 July 2025
545
Depreciation and
impairment
At 1 August 2024
167
Depreciation charge for the
year
156
At 31 July 2025
323
Net book values
At 31 July 2025
222
At 31 July 2024
378
13 Debtors
2025
£
Trade debtors
900
Other debtors
-
Prepayments and accrued income
602
1,502
14 Creditors:
amounts falling due within one year
2025
£
Trade creditors
784
Other taxes and social security
402
Accruals
(1)
1,185
15 Deferred Income
Movement of the deferred income shown in_Creditors: amounts falling due within one year_
2025
£
At 1 August
-
Released in current year
-		 2025
£
900
-
602
1,502
2025
£
784
402		 Computer
Equipment
£
545
545
167
156
323
222
378		 Total
£
545
545
167
156
323
222
378
2024
£
-
41
624
665
2024
£
212
440
(1) (1)
651
2024
£
15,625
(15,625)

Page 12

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

16 Movement in funds

At 1 August
2024
Restricted funds:
Restricted income funds:
Budgeting Support
4,707
Financial Wellbeing in
Recovery
4,165
Treatment & Recovery
4,000
Total
12,872
Unrestricted funds:
General funds
(3,556)
Total funds
9,316
Purposes and restrictions in relation to the funds:
Restricted funds:
Budgeting Support
Financial Wellbeing in
Recovery
Treatment & Recovery
17 Analysis of net assets between funds		 Incoming
resources
(including
other
gains/losses
)
£
9,784
25,000
32,123
66,907
18,003
84,910		 Resources
expended
£
(6,934)
(4,165)
(27,356)
(38,455)
(8,407)
(46,862)		 At 31 July
2025
£
7,557
25,000
8,767
41,324
6,040
47,364
Fixed assets
Net current assets
18 Reconciliation of net debt
Cash and cash equivalents
Net debt		 Unrestricted
funds
£
1,062
6,130
7,192
At 1 August
2024
£		 Restricted
funds
£
-
40,172
40,172
Cash flows
£		 Total
£
1,062
46,302
47,364
At 31 July
2025
£
6,824 39,161 45,985
6,824
6,824		 39,161
39,161		 45,985
45,985

Page 13

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

19 Commitments

Operating lease commitments

Annual commitments under non-cancellable operating leases are as follows:

2025 2025 2024 2024
Land and
buildings		 Other Land and
buildings		 Other
£ £ £ £
Operating leases with expiry date:
Pension commitments
2025 2024
£ £
The pension cost charge to the charity
amounted to: 502 1,006

Page 14

Clean Slate Financial Wellbeing Services CIO Statement of Cash flows

for the year ended 31 July 2025

Cash flows from operating activities
Net income per Statement of Financial Activities
Adjustments for:
Depreciation of property, plant and equipment
Amortisation of intangible assets
Increase in trade and other receivables
Increase/(Decrease) in trade and other payables
Net cash provided by operating activities
Net cash used in investing activities
Net cash from financing activities
Net increase in cash and cash equivalents
Cash and cash equivalents at the beginning of the year
Cash and cash equivalents at the end of the year		 2025
£
38,048
156
1,260
(837)
534
39,161
-
-
39,161
6,824
45,985		 2024
£
12,035
84
1,680
(665)
(1,525)
11,609
(297)
-
11,312
11,137
22,449
Components of cash and cash equivalents
Cash and bank balances 45,985 6,824
45,985 6,824

Page 15

Clean Slate Financial Wellbeing Services CIO Detailed Statement of Financial Activities

for the year ended 31 July 2025

Income and endowments from:
Donations and legacies
Donations Received
Charitable activities
Grants Received
Other trading activities
Contract Income
Total income and endowments
Expenditure on:
Costs of other trading activities
Contract Income
Total of expenditure on raising
funds
Charitable activities
Volunteer Expenses
Total of expenditure on charitable
activities
Other expenditure
Bank loan and overdraft interest
payable
Employee costs
Salaries/wages
Employer's NIC
Pension costs
Staff training
Motor and travel costs
Travel and subsistence
Premises costs
Rent
Premises insurances		 Unrestricte
d funds
2025
£
48
48
-
-
17,955
17,955
18,003
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2,572
650		 Restricted
funds
2025
£
-
-
66,907
66,907
-
-
66,907
-
-
-
795
795
795
-
-
32,371
-
502
-
32,873
2,476
2,476
2,311
-		 Total funds
2025
£
48
48
66,907
66,907
17,955
17,955
84,910
-
-
-
795
795
795
-
-
32,371
-
502
-
32,873
2,476
2,476
4,883
650		 Total funds
2024
£
2,146
2,146
60,254
60,254
15,046
15,046
77,446
674
674
674
3,213
3,213
3,213
19
19
44,137
(2,178)
1,006
580
43,545
2,942
2,942
3,000
773

Page 16

Clean Slate Financial Wellbeing Services CIO Detailed Statement of Financial Activities

Premises repairs and
maintenance
General administrative costs,
including depreciation and
amortisation
Depreciation of Computer
Equipment
Impairment losses - intangible FA
Postage and couriers
Software, IT support and related
costs
Stationery and printing
Subscriptions
Sundry expenses
Telephone, fax and broadband
Legal and professional costs
Audit/Independent examination
fees
Accountancy and bookkeeping
Consultancy fees
Other legal and professional
costs
Total of expenditure of other costs
Total expenditure
Net gains on investments
Net income
Net income before other
gains/(losses)
Other Gains
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 -
3,222
156
1,260
61
142
395
-
209
212
2,435
835
1,867
-
48
2,750
8,407
8,407
-
9,596
9,596
-
9,596
(3,556)
6,040		 -
2,311
-
-
-
-
-
-
-
-
-
-
-
-
-
-
37,660
38,455
-
28,452
28,452
-
28,452
12,872
41,324		 -
5,533
156
1,260
61
142
395
-
209
212
2,435
835
1,867
-
48
2,750
46,067
46,862
-
38,048
38,048
-
38,048
9,316
47,364		 53
3,826
84
1,680
87
191
687
1,739
1,433
16
5,917
928
4,036
275
35
5,274
61,523
65,410
-
12,036
12,036
-
12,036
(2,720)
9,316

Page 17

2 Geordie Ridley Place Upper Precinct, Wesley Court Blaydon on Tyne | Tyne and Wear | NE21 5BT

Signed by:

Justina Claire Sowerby-Robinson

Signing request

28/05/2026, 16:48:20

Created: 28/05/2026, 16:48:20 Description: - Document owner: Clean Slate Financial Wellbeing Services CIO Original document name: CleanSlateFinancialWellbeingServicesCIO_31-07-2025_FinalAccounts.pdf Original document checksum: 4f9aae6c3d59edf48dd40b59b8c84388f3fd3b62121d903dae5d91d5466daae7 (SHA-256)

Signee

Signed: Comment:

29/05/2026, 09:16:51

Name as registered in practice management software:

Sowerby-Robinson, Justina Claire

Name as provided by signee: E-mail address: IP Address: Browser user agent:

Justina Claire Sowerby-Robinson claire@emanate-dev.com

81.96.15.233

Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/148.0.0.0 Safari/537.36

Powered by Engager.app. 46.4.0 / 46.4.0

Accounting for Good CIC  accountingforgood.co.uk

✉ support@accountingforgood.co.uk  07967226692

Clean Slate Financial Wellbeing Services CIO

Charity No. 1202493

Trustees' Report and Unaudited Accounts

31 July 2025

Clean Slate Financial Wellbeing Services CIO Contents

Pages
Trustees' Annual Report 2
Independent Examiner's Report 3
Statement of Financial Activities 4
Balance Sheet 5
Statement of Cash flows 15
Notes to the Accounts 6 to 14
Detailed Statement of Financial Activities 16 to 17

Page 1

Clean Slate Financial Wellbeing Services CIO Trustees Annual Report

The trustees present their report with the unaudited financial statements of the charity for the year ended 31 July 2025.

REFERENCE AND ADMINISTRATIVE DETAILS

Charity No. 1202493

Trustees

The following trustees served during the year:

C. Harrison

J.C. Sowerby-Robinson J.C. Wallenberg (Resigned 30 May 2025)

Accountants

Accounting for Good CIC 2 Geordie Ridley Place Upper Precinct Wesley Court Blaydon on Tyne Tyne and Wear NE21 5BT

Statement of trustees' responsibilities in relation to the financial statements

The charity trustees are responsible for preparing a trustees' annual report and financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the Trust deed. The Trustees are also responsible for safeguarding the assets of the charity and hence taking reasonable steps for the prevention and detection of fraud and other irregularities.

Signed on behalf of the charity's trustees

J.C. Sowerby-Robinson Trustee 22 May 2026

Page 2

Clean Slate Financial Wellbeing Services CIO Independent Examiners Report

Independent Examiner's Report to the trustees of Clean Slate Financial Wellbeing Services CIO

I report to the trustees on my examination of the financial statements of Clean Slate Financial Wellbeing Services CIO for the year ended 31 July 2025.

Responsibilities and basis of report

As the charity's trustees you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the 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 can confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

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 financial statements to be reached.

Kay Wightman FFA FTA Accounting for Good CIC 2 Geordie Ridley Place Upper Precinct Wesley Court Blaydon on Tyne Tyne and Wear NE21 5BT 22 May 2026

Page 3

Clean Slate Financial Wellbeing Services CIO Statement of Financial Activities

for the year ended 31 July 2025

Notes
Income and endowments
from:
Donations and legacies
3
Charitable activities
4
Other trading activities
5
Total
Expenditure on:
Raising funds
6
Charitable activities
7
Other
8
Total
Net gains on investments
Net income
9
Transfers between funds
Net income before other
gains/(losses)
Other gains and losses
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 Unrestricted
funds		 Restricted
funds		 Total funds Total funds
2025 2025 2025 2024
£ £ £ £
48 - 48 2,146
- 66,907 66,907 60,254
17,955 - 17,955 15,046
18,003 66,907 84,910 77,446
- - - 674
- 795 795 3,213
8,407 37,660 46,067 61,523
8,407 38,455 46,862 65,410
- - - -
9,596 28,452 38,048 12,036
- - - -
9,596 28,452 38,048 12,036
9,596 28,452 38,048 12,036
(3,556) 12,872 9,316 (2,720)
6,040 41,324 47,364 9,316

Page 4

Clean Slate Financial Wellbeing Services CIO Balance Sheet

at 31 July 2025

Charity No. 1202493
Fixed assets
Intangible assets
11
Tangible assets
12
Current assets
Debtors
13
Cash at bank and in hand
Creditors:Amount falling due within one year
14
Net current assets
Total assets less current liabilities
Net assets excluding pension asset or liability
Total net assets
The funds of the charity
Restricted funds
16
Restricted income funds
Unrestricted funds
16
General funds
Reserves
16
Total funds		 2025
£
840
222
1,062
1,502
45,985
47,487
(1,185)
46,302
47,364
47,364
47,364
41,324
41,324
6,040
6,040
47,364		 2024
£
2,100
378
2,478
665
6,824
7,489
(651)
6,838
9,316
9,316
9,316
12,872
12,872
(3,556)
(3,556)
9,316

Approved by the trustees on 22 May 2026

And signed on their behalf by:

J.C. Sowerby-Robinson Trustee 22 May 2026

Page 5

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

for the year ended 31 July 2025

Basis of preparation

The financial statements have been prepared in accordance with Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic if Ireland (FRS 102) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.

Change in basis of accounting or to previous accounts

There has been no change to the accounting policies (valuation rules and method of accounting) since last year and no changes have been made to accounts for previous years.

Fund accounting

Income

Volunteer help The value of any volunteer help received is not included in the accounts. Investment income This is included in the accounts when receivable. Gains/(losses) on This includes any gain or loss resulting from revaluing investments to market value revaluation of fixed at the end of the year. assets Gains/(losses) on This includes any gain or loss on the sale of investments. investment assets

Page 6

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Expenditure

Taxation

The charity is exempt from tax on its charitable activities.

Tangible fixed assets and depreciation

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life:

Computer Equipment 33% Straight Line

Freehold investment property

Investment properties are measured initially at cost and subsequently at fair value at each balance sheet date and are not depreciated. All gains or losses are taken to the Statement of Financial Activities as they arise.

Intangible fixed assets and amortisation

Intangible fixed assets (including purchased goodwill, patents and trademarks) are carried at cost less accumulated amortisation and impairment losses. Brand 20% Straight Line

Stocks

Stock is included at the lower of cost or net realisable value. Donated items of stock are recognised at fair value which is the amount the charity would have been willing to pay for the items on the open market.

Trade and other debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Page 7

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Cash and cash equivalents

Cash and cash equivalents comprise cash at bank and on hand, demand deposits with banks and other short-term highly liquid investments with original maturities of three months or less and bank overdrafts. In the statement of financial position, bank overdrafts are shown within borrowings or current liabilities. In the Statement of Cash Flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the company's cash management.

Trade and other creditors

Short term creditors are measured at the transaction price. Other creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

Research and development

Expenditure on research and development is written off in the year in which it is incurred.

Foreign currencies

Monetary assets and liabilities denominated in currencies other than the functional currency of the charity are translated at the rates of exchange prevailing at the end of the reporting period. Transactions in currencies other than the functional currency of the charity are recorded at the rate of exchange on the date that the transaction occurred.

All exchange differences are are taken into account in arriving at net income/expenditure.

Leased assets

Where the charity enters into a lease which entails taking substantially all the risks and rewards of ownership of an asset, the lease is treated as a finance lease.

Leases which do not transfer substantially all the risks and rewards of ownership to charity are classified as operating leases.

Assets held under finance leases are initially recognised as assets of the charity at their fair value at the inception of the lease or, if lower, at the present value of the minimum lease payments. The corresponding liability to the lessor is included in the balance sheet date as a finance lease obligation. Lease payments are apportioned between finance expenses and reduction of the lease obligation so as to achieve a constant rate of interest on the remaining balance of the liability. Finance expenses are recognised immediately, unless they are directly attributable to qualifying assets, in which case they are capitalised in accordance with the charity's policy on borrowing costs. Assets held under finance leases are depreciated in the same way as owned assets.

Operating lease payments are recognised as an expense on a straight-line basis over the lease term. In the event that lease incentives are received to enter into operating leases, such incentives are recognised as a liability. The aggregate benefit of incentives is recognised as a reduction of rental expense on a straight-line basis.

Pension costs

The charity operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the charity pays fixed contributions into a separate entity. Once the contributions have been paid the charity has no further payments obligations. The contributions are recognised as expenses when they fall due. Amounts not paid are shown in accruals in the balance sheet. The assets of the plan are held separately from the charity in independently administered funds.

Page 8

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Receipt of donated goods, facilities and services

All donated goods, facilities and services received are recognised within incoming resources and expenditure at an estimate of the value to the charity.

2 Statement of Financial Activities - prior year

2
Statement of Financial Activities - prior year
Income and endowments from:
Donations and legacies
Charitable activities
Other trading activities
Total
Expenditure on:
Raising funds
Charitable activities
Other
Total
Net income
Net income before other
gains/(losses)
Other gains and losses:
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward
3
Income from donations and legacies
Donations Received
4
Income from charitable activities
Grants Received		 Unrestricted
funds
2024
£
2,146
-
15,046
17,192
674
3,213
14,142
18,029
(837)
(837)
(837)
(2,720)
(3,557)
Unrestricted
£
48
48
Restricted
£
66,907
66,907		 Restricted
funds
2024
£
-
60,254
-
60,254
-
-
47,382
47,382
12,872
12,872
12,872
-
12,872
Total
2025
£
48
48
Total
2025
£
66,907
66,907		 Total funds
2024
£
2,146
60,254
15,046
77,446
674
3,213
61,524
65,411
12,035
12,035
12,035
(2,720)
9,315
Total
2024
£
2,146
2,146
Total
2024
£
60,254
60,254

Page 9

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Contract Income
6
Expenditure on raising funds
Fundraising trading costs
Contract Income
7
Expenditure on charitable activities
Expenditure on charitable
activities
Volunteer Expenses
Governance costs
8
Other expenditure
Bank loan and overdraft
interest payable
Employee costs
Motor and travel costs
Premises costs
Amortisation, depreciation,
impairment, profit/loss on
disposal of fixed assets
General administrative costs
Legal and professional costs
9
Net income before transfers
This is stated after charging:
Depreciation of owned fixed assets		 Unrestricted
£
-
-
-
3,222
1,416
1,019
2,750
8,407		 Unrestricted
£
17,955
17,955
Restricted
£
795
795
Restricted
£
-
32,873
2,476
2,311
-
-
-
37,660
2025
£
156		 Total
2025
£
17,955
17,955
Total
2025
£
-
-
Total
2025
£
795
795
Total
2025
£
-
32,873
2,476
5,533
1,416
1,019
2,750
46,067		 Total
2024
£
15,046
15,046
Total
2024
£
674
674
Total
2024
£
3,213
3,213
Total
2024
£
19
43,545
2,942
3,826
1,764
4,153
5,274
61,523
2024
£
84

Page 10

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

10 Staff costs

Salaries and wages
Social security costs
Pension costs
No employee received emoluments in excess of £60,000.
Total employee benefits received by key management
personnel
11 Intangible fixed assets
Cost
At 1 August 2024
At 31 July 2025
Amortisation and
impairment
At 1 August 2024
Amortisation charge for the
year
At 31 July 2025
Net book values
At 31 July 2025
At 31 July 2024
Branding		 2025
32,371
-
502
32,873
2		 Other
£
6,300
6,300
4,200
1,260
5,460
840
2,100		 2024
44,137
(2,178)
1,006
42,965
3
Total
£
6,300
6,300
4,200
1,260
5,460
840
2,100
Amortisation of branding

Page 11

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

12 Tangible fixed assets

Computer
Equipment
£
Cost or revaluation
At 1 August 2024
545
At 31 July 2025
545
Depreciation and
impairment
At 1 August 2024
167
Depreciation charge for the
year
156
At 31 July 2025
323
Net book values
At 31 July 2025
222
At 31 July 2024
378
13 Debtors
2025
£
Trade debtors
900
Other debtors
-
Prepayments and accrued income
602
1,502
14 Creditors:
amounts falling due within one year
2025
£
Trade creditors
784
Other taxes and social security
402
Accruals
(1)
1,185
15 Deferred Income
Movement of the deferred income shown in_Creditors: amounts falling due within one year_
2025
£
At 1 August
-
Released in current year
-		 2025
£
900
-
602
1,502
2025
£
784
402		 Computer
Equipment
£
545
545
167
156
323
222
378		 Total
£
545
545
167
156
323
222
378
2024
£
-
41
624
665
2024
£
212
440
(1) (1)
651
2024
£
15,625
(15,625)

Page 12

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

16 Movement in funds

At 1 August
2024
Restricted funds:
Restricted income funds:
Budgeting Support
4,707
Financial Wellbeing in
Recovery
4,165
Treatment & Recovery
4,000
Total
12,872
Unrestricted funds:
General funds
(3,556)
Total funds
9,316
Purposes and restrictions in relation to the funds:
Restricted funds:
Budgeting Support
Financial Wellbeing in
Recovery
Treatment & Recovery
17 Analysis of net assets between funds		 Incoming
resources
(including
other
gains/losses
)
£
9,784
25,000
32,123
66,907
18,003
84,910		 Resources
expended
£
(6,934)
(4,165)
(27,356)
(38,455)
(8,407)
(46,862)		 At 31 July
2025
£
7,557
25,000
8,767
41,324
6,040
47,364
Fixed assets
Net current assets
18 Reconciliation of net debt
Cash and cash equivalents
Net debt		 Unrestricted
funds
£
1,062
6,130
7,192
At 1 August
2024
£		 Restricted
funds
£
-
40,172
40,172
Cash flows
£		 Total
£
1,062
46,302
47,364
At 31 July
2025
£
6,824 39,161 45,985
6,824
6,824		 39,161
39,161		 45,985
45,985

Page 13

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

19 Commitments

Operating lease commitments

Annual commitments under non-cancellable operating leases are as follows:

2025 2025 2024 2024
Land and
buildings		 Other Land and
buildings		 Other
£ £ £ £
Operating leases with expiry date:
Pension commitments
2025 2024
£ £
The pension cost charge to the charity
amounted to: 502 1,006

Page 14

Clean Slate Financial Wellbeing Services CIO Statement of Cash flows

for the year ended 31 July 2025

Cash flows from operating activities
Net income per Statement of Financial Activities
Adjustments for:
Depreciation of property, plant and equipment
Amortisation of intangible assets
Increase in trade and other receivables
Increase/(Decrease) in trade and other payables
Net cash provided by operating activities
Net cash used in investing activities
Net cash from financing activities
Net increase in cash and cash equivalents
Cash and cash equivalents at the beginning of the year
Cash and cash equivalents at the end of the year		 2025
£
38,048
156
1,260
(837)
534
39,161
-
-
39,161
6,824
45,985		 2024
£
12,035
84
1,680
(665)
(1,525)
11,609
(297)
-
11,312
11,137
22,449
Components of cash and cash equivalents
Cash and bank balances 45,985 6,824
45,985 6,824

Page 15

Clean Slate Financial Wellbeing Services CIO Detailed Statement of Financial Activities

for the year ended 31 July 2025

Income and endowments from:
Donations and legacies
Donations Received
Charitable activities
Grants Received
Other trading activities
Contract Income
Total income and endowments
Expenditure on:
Costs of other trading activities
Contract Income
Total of expenditure on raising
funds
Charitable activities
Volunteer Expenses
Total of expenditure on charitable
activities
Other expenditure
Bank loan and overdraft interest
payable
Employee costs
Salaries/wages
Employer's NIC
Pension costs
Staff training
Motor and travel costs
Travel and subsistence
Premises costs
Rent
Premises insurances		 Unrestricte
d funds
2025
£
48
48
-
-
17,955
17,955
18,003
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2,572
650		 Restricted
funds
2025
£
-
-
66,907
66,907
-
-
66,907
-
-
-
795
795
795
-
-
32,371
-
502
-
32,873
2,476
2,476
2,311
-		 Total funds
2025
£
48
48
66,907
66,907
17,955
17,955
84,910
-
-
-
795
795
795
-
-
32,371
-
502
-
32,873
2,476
2,476
4,883
650		 Total funds
2024
£
2,146
2,146
60,254
60,254
15,046
15,046
77,446
674
674
674
3,213
3,213
3,213
19
19
44,137
(2,178)
1,006
580
43,545
2,942
2,942
3,000
773

Page 16

Clean Slate Financial Wellbeing Services CIO Detailed Statement of Financial Activities

Premises repairs and
maintenance
General administrative costs,
including depreciation and
amortisation
Depreciation of Computer
Equipment
Impairment losses - intangible FA
Postage and couriers
Software, IT support and related
costs
Stationery and printing
Subscriptions
Sundry expenses
Telephone, fax and broadband
Legal and professional costs
Audit/Independent examination
fees
Accountancy and bookkeeping
Consultancy fees
Other legal and professional
costs
Total of expenditure of other costs
Total expenditure
Net gains on investments
Net income
Net income before other
gains/(losses)
Other Gains
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 -
3,222
156
1,260
61
142
395
-
209
212
2,435
835
1,867
-
48
2,750
8,407
8,407
-
9,596
9,596
-
9,596
(3,556)
6,040		 -
2,311
-
-
-
-
-
-
-
-
-
-
-
-
-
-
37,660
38,455
-
28,452
28,452
-
28,452
12,872
41,324		 -
5,533
156
1,260
61
142
395
-
209
212
2,435
835
1,867
-
48
2,750
46,067
46,862
-
38,048
38,048
-
38,048
9,316
47,364		 53
3,826
84
1,680
87
191
687
1,739
1,433
16
5,917
928
4,036
275
35
5,274
61,523
65,410
-
12,036
12,036
-
12,036
(2,720)
9,316

Page 17