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2024-03-31-accounts

TABLEOFCONTENTS
REFERENCEANDADMINISTRATIVEDETAILS 1
REPORTOFTHECHAIR 3
STRATEGICANDBOARDREPORT 5
REPORTOFTHEINDEPENDENTAUDITORSTOTHEMEMBERSOFST
CHRISTOPHER'SFELLOWSHIP 35
CONSOLIDATEDSTATEMENTOFCOMPREHENSIVEINCOME 39
CONSOLIDATEDANDPARENTSTATEMENTOFFINANCIALPOSITION 40
CONSOLIDATEDANDPARENTSTATEMENTOFCHANGESINRESERVES 41
CONSOLIDATEDSTATEMENTOFCASHFLOWS 42
NOTESTOTHEFINANCIALSTATEMENTS 43

2024 2024 2023 2023
Group Parent Group Parent
BusinessHealth
OperatingMargin(social housing
lettings)' (23%) (23%) (17%) 0%
OperatingMargin(overall)2 (17%) (27%) (3%) (1%)
EBITDAMRIInterestCover3 (6,844%) (6,767%) 4,829% 4,409%
2024 2024 2023 2023
Group Parent Group Parent
Development-Capacity& Supply
NewSupplyDelivered(Supported
Housing)4 0% 0% 0% 0%
New
Supply
Delivered

(Non-
SupportedHousing)5 0% 0% Q% 0%.
Gearing6 (21%) 19% (48%) (8%)
2024 2024 2023 2023
Group Parent Group Parent
EffectiveAssetManagement
ReturnonCapitalEmployed' (26%) (36%) 0% (1%)
OperatingEfficiencies
HeadlineSocialHousingCostPer
Unit8 •£4,309 £4,309 £3,368 £3,368
Investment
Reinvestmentefficiencypercentages 1% 1% 3% 3%

2024 2024 2023
Budget Average
Group target ofpeers
BusinessHealth
OperatingMargin(socialhousing
lettings)
(23%) (19%) (7%)
OperatingMargin(overall) (17%) (9%) 3%
EBITDAMRIInterestCover (6,844%) N/A 153%
2024 2024 2023
Budget Average
Group target ofpeers
Development-Capacity& Supply
NewSupplyDelivered(Supported
Housing) 0% 0% 1%
New
Supply
Delivered
(Non-
SupportedHousing) 0% 0% 0%
Gearing (21%) (26%) 21%
2024 2024 2023
Budget Average
Group target ofpeers
EffectiveAssetManagement
ReturnonCapitalEmployed • (26%) (16%) 0%
OperatingEfficiencies
HeadlineSocialHousingCost,Per
Unit £4,309 £4,877 £8,793
Investment
Reinvestmentefficiencypercentage 1% 1% 12%


AccountabilityStandard.
TenantSatisfactionMeasure-Tenantperceptionsurveys %
TP01Proportionofrespondentswhoreportthattheyaresatisfiedwiththeoverall 75%
servicefromtheirlandlord.
TP02Proportionofrespondentswhohavereceivedarepairinthelast12months 75%
whoreportthattheyaresatisfiedwiththeoverallrepairsservice.
TP03Proportionofrespondentswhohavereceivedarepairinthelast12months 75%
whoreportthattheyaresatisfiedwiththetimetakentocompletetheirmostrecent
repair.
TP04Proportionofrespondentswhoreportthattheyaresatisfiedthattheirhome 86%
iswellmaintained
TP05Proportionofrespondentswhoreportthattheyaresatisfiedthattheirhome 88%
issafe
TP06Proportionofrespondentswhoreportthattheyaresatisfiedthattheir 88%
landlordlistenstotenantviewsandactsuponthem
STCHRISTOPHER'SFELLOWSHIP
STRATEGICANDBOARDREPORT
FORTHEYEARENDED31MARCH2024
TenantSatisfactionMeasure-Tenantperceptionsurveys(continued) %
TP07Proportionofrespondentswhoreportthattheyaresatisfiedthattheir 75%
landlordkeepstheminformedaboutthingsthatmattertothem
TP08Proportionofrespondentswhoreportthattheyagreetheirlandlordtreats 100%
themfairlyandwithrespect
TP09Proportionofrespondentswhoreportmakingacomplaintinthelast12 88%
monthswhoaresatisfiedwiththeirlandlord'sapproachtocomplaintshandling
TP10Proportionofrespondentswithcommunalareaswhoreportthatthey are 88%
satisfiedthattheirlandlordkeepscommunalareascleanandwellmaintained.
TP11Proportionofrespondentswhoreportthattheyaresatisfiedthattheir 63%
landlordmakesapositivecontributiontotheneighbourhood
TP12Proportionofrespondentswhoreportthattheyaresatisfiedwiththeir 88%
landlord'sapproachtohandlinganti-socialbehaviour
TenantSatisfactionMeasure-managementinformation %
CH01—ComplaintsrelativetothesizeofthelandlordNumberof:
1stageonecomplaintsand 144per 1000
(actual 11)
2.stagetwocomplaintsreceivedper1,000homes 0
CH02—ComplaintsrespondedtowithinComplaintHandlingCode
timescales
Proportionof:
1.stageonecomplaintsrespondedtoand 63%
2.stagetwocomplaintsrespondedtowithintheHousingOmbudsman's N/A
ComplaintHandlingCodetimescale
NM01—Anti-socialbehaviourcasesrelativetothesizeofthelandlord
Numberof:
1.anti-socialbehaviourcases,ofwhich 1171per 1000
(actual 89)
2.anti-socialbehaviourcasesthatinvolvehateincidentsopenedper 0
1,000homes.
RP01—HomesthatdonotmeettheDecentHomesStandardTenant 0%
Satisfaction
RP02—RepairscompletedwithintargettimescaleProportionof: Unabletobe
1.non-emergencyand providedthis
2.emergencyresponsiverepairscompletedwithinthelandlord'starget yeardueto
timescale. database
issues.
BS01—Proportionofhomesforwhichallrequiredgassafetychecks 100%
havebeencarriedout.
BS02-Proportionofhomesforwhichallrequiredfireriskassessments 100%
havebeencarriedout.

Notes
Group Group
2024 2023
£'000 £'000
Turnover 2&3 16,635 18,093
Operatingexpenditure 2&3 (19,379) (18,648)
(Loss)/Gainondisposalofproperty, 2 (39) 543
plantandequipment(fixedassets)
Operating(Deficit)/Surplus (2,783) (12)
Interestreceivable 4 41 18
Interestandfinancingcosts 5 (39) (14)
Totalcomprehensive(loss)/incomefortheyear (2,781) (8)

Notes
Group Parent Group Parent
2024 2024 2023 2023
£'000 £'000 £'000 £'000
FixedAssets
Tangiblefixedassets 10 9,550 9,305 9,717 9,466
9,550 9,305 9,717 9,466
CurrentAssets
Tradeandotherdebtors 12 1,378 1,178 1,671 1,436
Cashandcashequivalents 1,715 1,612 3,960 3,859
3,093 2,790 5,631 5,295
Less:Creditors:
Amountsfallingduewithinoneyear 13 (2,083) (4,711) (1,948) (4,609)
Netcurrentassets/(liabilities) 1,010 (1,921) 3,683 686
Totalassetslesscurrentliabilities 10,560 7,384 13,400 10,152
Creditors:amountsfallingdueafter
morethanoneyear 14 (4,263) (4,263) (4,269) (4,269)
Otherprovisions 17 (241) (95) (294) (142)
Totalnetassets 6,056 3,026 8,837 5,741
Reserves
Incomeandexpenditurereserve 5,968 2,938 8,749 5,653
Permanentendowment 88 88 88 88
Totalreserves 6,056 3,026 8,837 5,741

CONSOLIDATEDANDPARENTSTATEMENT OFCHANGES INRESERVES -
GROUP:
Incomeand Permanent Total
expenditure endowment
reserve £'000
£'000 £'000
Balanceasat31March2022 8,757 88 8,845
DeficitfromStatementofComprehensiveIncome (8) - (8)
Balanceasat31March2023 8,749 88 8,837
DeficitfromStatementofComprehensiveIncome (2,781) (2,781)
Balanceasat31March2024 5,968 88 6,056
PARENT:
Incomeand Permanent Total
expenditure Endowment
reserve £'000
£'000 £'000
Balanceasat31March2022 5,728 88 5,816
DeficitfromStatementofComprehensiveIncome (75) (75)
Balanceasat31March2023 5,653 88 5,741
DeficitfromStatementofComprehensiveIncome (2,715) (2,715)
Balanceasat31March2024 2,938 88 3,026

Yearended Yearended
31March 31March
2024 2023
£'000 £'000
Netcashflowfromoperatingactivities(seeNotei) (2,140) (994)
Cashflowfrominvestingactivities
Acquisitionandconstructionofproperties (76) (257)
Purchaseoftangiblefixedassets (32) (149)
Proceedsfromdisposaloftangiblefixedassets 1 1,340
Interestreceived 41 18
(66) 952
Cashflowfromfinancingactivities
Interestpaid (39) (14)
Netchangeincashandcashequivalents (2,245) (56)
Cashandcashequivalentsatthebeginningoftheyear 3,960 4,016
Cashandcashequivalentsattheendoftheyear 1,715 3,960
NoteI
Cashflowfromoperatingactivities
(Deficit)fortheyear
Depreciationoftangiblefixedassets
(2,781)
233
(8)
236
Decrease/(Increase)intradeandotherdebtors 293 (526)
Increaseintradeandothercreditors 174 211
(Decrease)inotherprovisions (53) (48)
Carryingamountoftangiblefixedassetdisposals 42 532
Adjustmentsforinvestingorfinancingactivities
Proceedsfromthesaleoftangiblefixedassets (1) (1,340)
Governmentgrantsutilisedintheyear (45) (47)
Interestpayable 39 14
Interestreceived (41) (18)
Netcash(usedin)fromoperatingactivities (2,140) (994)

ridentifiedcomponentsareasf
ollows:
Years
Boilers 10
Kitchens 20
Bathrooms 30
Windows 40
Roofs 50
Structure 100
iationischargedonothertangiblefixedassets
edeconomicusefulliveswhichareasfollows:
onastraigh
Years
Fixtures,fittingsandequipment-homes 3
Fixtures,fittingsandequipment—offices 4
Motorvehicles 4
Computerequipment-hardware 4
Computerequipment-software 5

FORTHEYEARENDED31MARCH2024 Turnover Operating Operating
Expenditure Surplus/
(Deficit)
£'000 £'000 £'000
SocialHousingLettings(Note3)
SupportedHousingLettings 199 244 (45)
OtherSocialHousingActivities
Supportservices 2,699 3,453 (754)
Activitiesotherthansocialhousing(Note3a)
Sixteenplusservices 579 776 (197)
Children'sServices 12,733 14,377 (1,644)
Fundraising 425 529 (104)
Lossondisposalofproperty, (39)
plantandequipment(fixedassets)
TOTAL 16,635 19,379 (2,783)
FORTHEYEARENDED31MARCH2023 Turnover Operating Operating
Expenditure Surplus/
(Deficit)
£'000 £'000 £'000
SocialHousingLettings(Note3)
SupportedHousingLettings 205 239 (34)
OtherSocialHousingActivities
Supportservices 2,220 2,294 (74)
Activitiesotherthansocialhousing(Note3a)
Sixteenplusservices 671 787 (116)
Children'sServices 14,521 14,968 (447)
Fundraising 476 360 116
CoronavirusJobRetentionscheme
Gainondisposalofproperty, 543
plantandequipment(fixedassets)
TOTAL 18,093 18,648 (12)

FORTHEYEARENDED31MARCH2024 Turnover Operating Operating
Expenditure Surplus/
(Deficit)
£'000 £'000 £'000
SocialHousingLettings(Note3)
SupportedHousingLettings 199 244 (45)
OtherSocialHousingActivities
Supportservices 2,699 3,453 (754)
Activitiesotherthansocialhousing(Note3b)
Sixteenplusservices 579 776 (197)
Children'sServices 6,062 7,596 (1,534)
Fundraising 311 419 (108)
Lossondisposalofproperty, (39)
plantandequipment(fixedassets)
TOTAL 9,850 12,488 (2,677)
FORTHEYEARENDED31MARCH2023 Turnover Operating Operating
Expenditure Surplus/
(Deficit)
£'000 £'000 £'000
SocialHousingLettings(Note3)
SupportedHousingLettings 205 239 (34)
OtherSocialHousingActivities
Supportservices 2,220 2,294 (74)
Activitiesotherthansocialhousing(Note3b)
Sixteenplusservices 671 787 (116)
Children'sServices 8,273 8,772 (499)
Fundraising 365 250 115
CoronavirusJobRetentionScheme
Lossondisposalofproperty, 545
plantandequipment(fixedassets)
TOTAL 11,734 12,342 (63)

Supported Supported
Housing Housing
2024 2023
£'000 £'000
INCOME
Rentreceivablenetofidentifiableservicecharges 85 66
Servicechargeincome 76 99
Amortisedgovernmentgrants 38 40
TurnoverfromSocialHousingLettings 199 205
OPERATINGEXPENDITURE
Servicechargecosts 125 104
Management 18 20
Routinemaintenance 10 18
Plannedmaintenance 64 25
Rentlossesfrombaddebts (2) 14
Depreciationofhousingproperties 29 58
TOTALEXPENDITURE 244 239
OPERATING(LOSS)/SURPLUSONSOCIALHOUSING
LETTINGS (45) (34)
Voidlosses 15 P
42

.(a)TURNOVERFROMACTIVITIESOTHER THANSOCIALHOUSING-GROUP
Group Group
2024 2023
£'000 £'000
Sixteenplusservices 579 671
Children'sServices 12,733 14,521
Fundraising 425 476
13,737 15,668

Parent Parent
2024 2023
£'000 £'000
Sixteenplusservices 579 671
Children'sServices 6,062 8,273
Fundraising 311 365
6,952 9,309

4.INTERESTRECEIVABLE
Group Group
2024 2023
£'000 £'000
Interestreceivable 41 18
41 18
5. INTERESTANDFINANCINGCOSTS
Group Group
2024 2023
£'000 £'000
Othercharges 39 14
39 14
6. DIRECTORS'ANDSENIORSTAFFEMOLUMENTS
Group Group
2024 2023
£'000 £'000
Theaggregateemolumentspaidtoorreceivableby
Directorsincludingpensioncontributions 606 576
TheemolumentspaidtothehighestpaidDirectorof
StChristopher'sexcludingpensioncontributions 116 116

henumberofstaffwithemoluments,includingpension contributions,inexcessof £60,000are:
TotalRemunerationincludingpension 2024 2023
contributions
£60,000-£70,000 8 6
£70,000-£80,000 2 3
£80,000-£90,000 2 3
£90,000-£100,000 2
£100,000-£110,000 1 1
£110,000-£120,000
£120,000-£130,000 2 1
EMPLOYEEINFORMATION
Group Group
2024 2023
Theaveragenumberoffulltimeequivalentstaff
(includingtheChiefExecutive)employedduringthe
year: 256 268
Theaveragenumberofstaff(includingtheChief
Executive)employedduringtheyear. 337 359
£'000 £'000
Staffcosts(fortheabovepersons):
Wagesandsalaries 9,907 9,481
SocialSecuritycosts 977 954
Pensionscosts 414 408
11,298 10,843

. OPERATING(DEFICIT)/SURPLUS
Group Group
2024 2023
Operating(Deficit)/Surplusisstatedafter £'000 £'000
charging/(crediting):
Auditor'sremuneration(excludingVAT)
-intheircapacityasauditors 29 29
-otherservices
(Gain)/lossonthesaleoffixedassets (39) (543)
Depreciationofownedassets 233 236
Operatingleases—property 342 268
-other 14 20
Pensioncostsdefinedcontribution 414 408

Housing Fixtures TOTAL
Properties Care Fittings&
Properties Offices Computers
£'000 £'000 £'000 £'000, £'000
Cost
At1April2023 6,207 3,317 1,753 1,096 12,373
Additions 32 32
Workstoexisting
properties 53 23 76
Disposals (75) (17) (28) (120)
At31March2024 6,185 3,323 1,753 1,100 12,361
Depreciation
At1April2023 915 422 519 800 2,656
Chargefortheyear 55 36 16 126 233
Disposals
At31March2024
(45)
925
(9)
449
535 (24)
902
(78)
2,811
NetBookValueat31
March2024 5,260 2,874 1,218 198 9,550
NetBookValueat31
March2023 5,292 2,895 1,234 296 9,717
PropertyCostscomprise: 2024 2023
HousingProperties £'000 £'000
Freeholds 5,260 5,292
ShortLeasehold
5,260 5,292
CareProperties
Freeholds 2,874 2,895
ShortLeasehold
2,874 2,895
Offices
LongLeasehold(Over50Years) 1,218 1,234
ShortLeasehold(Under50Years)
1,218 1,234

Housing Care Fixtures
Fittings&
TOTAL
Properties Properties Offices Computers
£'000 £'000 £'000 £'000 £'000
Cost
At1April2023 6,207 3,122 1,753 903 11,985
Additions
Workstoexisting
properties 53 23 76
Disposals (75) (17) (17) (109)
At31March2024 6,185 3,128 1,753 886 11,952
Depreciation
At1April2023 915 420 518 666 2,519
Chargefortheyear 55 32 17 92 196
Disposals
At31March2024
(45)
925
(9)
443
-
535
(14)
744
(68)
2,647
NetBookValueat31
March2024 5,260 2,685 1,218 142 9,305
NetBookValueat31
March2023 5,292 2,702 1,235 237 9,466
PropertyCostscomprise: 2024 2023
HousingProperties £'000 £'000
Freeholds 5,260 5,292
ShortLeasehold
5,260 5,292
CareProperties
Freeholds 2,685 2,702
ShortLeasehold
2,685 2,702
Offices
LongLeasehold(Over50Years) 1,218 1,235
ShortLeasehold(Under50 Years)
1,218 1,235

Name Countryof Incorporation Regulated/ Natureof
incorporation andownership non- Business
regulated
StChristopher's(Isleof IsleofMan Company—100% Non-regulated Children'ssocial
Man) care
SCFServicesLimited England Company—100% Non-regulated Children'ssocial
care
FutureFamilies(West England Company—100% Non-regulated Independent
Midlands)Ltd FosteringAgency

12.TRADEANDOTHERDEBTORS
Group Parent Group Parent
2024 2024 2023 2023
£'000 £'000 £'000 £'000
Amountsfallingduewithinoneyear
Rentarrears 39 39 64 64
Less:provisionforbaddebts (31) (31) (49) (49)
Netrentaldebtors 8 8 15 15
OtherDebtors 644 587 1,003 882
AmountsowedfromGroupundertakings
PrepaymentsandAccruedIncome 726 583 653 539
1,378 1,178 1,671 1,436
Debtorsareallcluewithinoneyear.

3.CREDITORSAMOUNTSFALLINGDUE WITHINONEYE AR
Group Parent Group Parent
2024 2024 2023 2023
£'000 £'000 £'000 £'000
TradeCreditors 521 428 391 315
AmountsowedtoGroupundertakings 3,232 3,186
TaxationandSocialSecuritypayable 305 193 296 193
Accrualsanddeferredincome 1,212 813 1,216 870
DeferredCapitalGrant(Note15) 45 45 45 45
2,083 4,711 1,948 4,609

Group Parent Group Parent
2024 2024 2023 2023
£'000 £'000 £'000 £'000
DeferredCapitalGrant(Note15) 3,459 3,459 3,504 3,504
RecycledCapitalGrant(Note16) 804 804 765 765
4,263 4,263 4,269 4,269
15.DEFERREDCAPITALGRANT
Group Parent Group Parent
2024 2024 2023 2023
£'000 £'000 £'000 £'000
Atthestartoftheyear 3,549 3,549 4,082 4,082
Releasedtoincomeintheyear (45) (45) (47) (47)
Addition - -
TransfertoRecycledCapitalGrant - - (751) (751)
AmortisationontransfertoRecycledCapital
Grant - - 265 265
Attheendoftheyear 3,504 3,504 3,549 3,549
Amountduetobereleasedinless thanone
year(Note13) 45 45 45 45
Amountduetobereleasedinmorethanone
year(Note14) 3,459 3,459 3,504 3,504
Totalaccumulatedgovernmentgrantand
financialassistancereceivedat31March 3,504 3,504 3,549 3,549
16.RECYCLEDCAPITALGRANTFUND
Group Parent
£'000 £'000
Balanceatthestartoftheyear
Interestaccrued 765 765
TransferredtoDeferredCapitalGrant 39 39
Addition
Balanceattheendoftheyear 804 804
AllofthisisduetotheGreaterLondonAuthority

7.PROVISIONSFORLIABILITIESANDCHARGES
Group Parent
£'000 £'000
Balanceatthestartoftheyear 294 142
Additionsintheyear 5 3
Releasedintheyearagainstexpenditure (58) (50)
Unusedamountsreversedintheyear
Balanceattheendoftheyear 241 95

8.CAPITALCOMMITMENTS—GROUPANDPARENT
2024 2023
£'000 £'000
Capitalexpenditurethathasbeencontractedforbuthasnotbeen
providedforinthefinancialstatements
CapitalexpenditurethathasbeenauthorisedbytheCouncilbuthasnot
yetbeencontractedfor 118 196
118 196


wereasfollows:
2024 2023
Property Other Total Property Other Total
Group £'000 £'000 £'000 £'000 £'000 £'000
Leasesexpiring:
Withinnextyear 171 7 178 159 11 170
Insecondtofifthyear 84 84 107 5 112
Inmorethanfiveyears
255 7 262 266 16 282
Parent
Leasesexpiring:
Withinnextyear 57 4 61 31 7 38
Insecondtofifthyear - 3 3
Inmorethanfiveyears
57 4 61 31 10 41

22.UNITS/BEDSPACES
Group Parent Group Parent
2024 2024 2023 2023
SOCIALHOUSING:
Supportedhousing-ownedandmanaged 68 68 68 68
-ownedandmanaged
byothers
-managedforothers
68 68 68 68
Opening Additions Disposals Closing
Units Units
SOCIALHOUSING:
Supportedhousing-ownedandmanaged 68 68
-ownedandmanaged
byothers
-managedforothers
68 68

6.GRANTS
2024 2023
£'000 £'000
AlbertGubay 52 24
Barclays 38
BBCChildreninNeed 27
CityBridge 37 36
EsmeeFairbairnFoundation 54 30
LandaidCharitableTrust 20
ManxLotteryCharitableTrust 5 13
NationwideCharitiesTrust 15
PeacockTrust 10 7
QuakerSocialAction 44
SistersoftheHolyCross 13 20
TheNationalLotteryCommunityFund 20
TheChurchillFoundation 10
TheStoryofChristmas 29 49
326 227
2024 2023
£'000 £'000
DepartmentforEducation
- Income 209 255
- Expenditure 209 255

8.FINANCIALINSTRUMENTS
2024 2023
£'000 £'000
TheGroup's,financialinstrumentsmaybe
analysedasfollows:
Financialassetsatcost:
Cashandcashequivalents 1,715 3,960
Financialassetsmeasuredatamortisedcost:
Tradeandotherdebtors 949 1,322
2,664 5,282
Financialliabilitiesmeasuredatamortisedcost:
Tradeandothercreditors 1,734 1,607
1,734 1,607

29.NETDEBT
Asat1 Cash Other Asat31
April2023 Flows non- March
cash 2024
changes
£'000 £'000
Cashandcashequivalents
Cash 3,960 (2,245) 1,715
3,960 (2,245) 1,715
Borrowings
Debtduewithinoneyear
Debtdueafteroneyear
Total 3,960 (2,245) 1,715