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2022-12-31-accounts

REGISTERED CHARITY NUMBER: 222746

REPORT OF THE TRUSTEES AND

UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

FOR

FRANK CROSSLEY'S ALMSHOUSES

Bairstow and Atkinson Chartered Accountants Carlton House Bull Close Lane Halifax West Yorkshire HX1 2EG

FRANK CROSSLEY'S ALMSHOUSES

CONTENTS OF THE FINANCIAL STATEMENTS for the Year Ended 31 December 2022

Page
Report of the Trustees 1 to 2
Independent Examiner's Report 3
Statement of Financial Activities 4
Balance Sheet 5
Notes to the Financial Statements 6 to 13
Detailed Statement of Financial Activities 14

FRANK CROSSLEY'S ALMSHOUSES

REPORT OF THE TRUSTEES for the Year Ended 31 December 2022

The trustees present their report with the financial statements of the charity for the year ended 31 December 2022. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

OBJECTIVES AND ACTIVITIES

Objectives and aims

The charity provides almhouses accommodation for people of limited financial means in twenty flats and one house.

The formal charitable objectives as stated at the Charity Commission are:

"Income to be applied for the provision and maintenance of almhouses and for the benefit of the residents of the almhouses who shall be poor persons, with a preference for poor persons who are members of a protestant trinitarian church."

Public benefit

We have referred to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing our aims and objectives and in planning our future activities. In particular, the trustees consider how planned activities will contribute to the aims and objectives they have set.

ACHIEVEMENT AND PERFORMANCE

Charitable activities

The charity continued to provide almhouses accommodation in twenty one dwellings during the year, with income from maintenance contributions increasing from £87241 to £96735. Repair and maintenance costs were £38380 (2021 £115,961) .Net income for the year was £28241 compared to net expenditure of £64529 in 2021 .

With the completion of the internal refurbishment programme in 2021, culminating in full modernisation of the ex warden's house for use by suitable residents, our aim was to maintain 100% occupancy, as far as practical, and ensure good quality of accomodation and 'best practice' property management.

The strengthening and consistency of income stream allowed us to target key external repairs, for example the numerous Hip Roofs at the rear of the building.

Another key achievement was to change our accounting/secretarial/advisors so we could illustrate 'best value' and efficiency of working.

Throughout the year we worked with our managing agents, Walker Singleton to ensure 'best practice' As an example, this led to improving the external signage to prevent slipping etc and improve the external lighting to enhance safety.

The Charity added two new trustees in December 2021, an architect and chartered surveyor and their appointment added further strengthening to the board.

FINANCIAL REVIEW

Financial position

The Trustees regard the financial position at the year end to be satisfactory.

Investment powers and performance

Under the trust deed the trustees have the power to make any investment that they see fit. The investments of the trust are reviewed annually to confirm their sustainability and adequacy.

Reserves policy

The trustees aim to maintain a sufficient level of reserves in order to continue to maintain and repair the almhouses properties over the coming years. They consider the current level of reserves adequate at this time.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is controlled by its governing document, a deed of trust dated 25 October 1982, and constitutes an unincorporated charity.

Recruitment and appointment of new trustees

The trustees are appointed for a five year term by resolution of the board of trustees.

Related parties

Details of any related party transactions and balances are disclosed in the notes to the financial statements.

Page 1

FRANK CROSSLEY'S ALMSHOUSES

REPORT OF THE TRUSTEES

for the Year Ended 31 December 2022

REFERENCE AND ADMINISTRATIVE DETAILS Registered Charity number 222746

Principal address

Carlton House Bull Close Lane Halifax HX1 2EG

Trustees

Mr David John Berry Jonathan Dixon Christine Hanson Angela Seddon Gillian Putnam Robin Dixon Neil Dixon

Independent Examiner

Bairstow and Atkinson Chartered Accountants Carlton House Bull Close Lane Halifax West Yorkshire HX1 2EG

Approved by order of the board of trustees on 15 May 2023 and signed on its behalf by:

Jonathan Dixon - Trustee

Page 2

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF FRANK CROSSLEY'S ALMSHOUSES

Independent examiner's report to the trustees of Frank Crossley's Almshouses

I report to the charity trustees on my examination of the accounts of Frank Crossley's Almshouses (the Trust) for the year ended 31 December 2022.

Responsibilities and basis of report

As the charity trustees of the Trust 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 Trust'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 giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Trust as required by Section 130 of the Act; or 2. the accounts do not accord with those records; or

  2. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a true and fair view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Peter Dyson FCA

Bairstow and Atkinson Chartered Accountants Carlton House Bull Close Lane Halifax West Yorkshire HX1 2EG

15 May 2023

Page 3

FRANK CROSSLEY'S ALMSHOUSES

STATEMENT OF FINANCIAL ACTIVITIES

for the Year Ended 31 December 2022

31.12.22 31.12.21
Unrestricted Total
funds funds
Notes £ £
INCOME AND ENDOWMENTS FROM
Donations and legacies 2 1,000 -
Other trading activities 3 96,735 87,241
Investment income 4 1,417 1,626
Total 99,152 88,867
EXPENDITURE ON
Charitable activities 5
Provision of almhouses 69,512 157,111
Net gains/(losses) on investments (1,399) 3,715
NET INCOME/(EXPENDITURE) 28,241 (64,529)
RECONCILIATION OF FUNDS
Total funds brought forward (22,845) 41,684
TOTAL FUNDS CARRIED FORWARD 5,396 (22,845)

The notes form part of these financial statements

Page 4

FRANK CROSSLEY'S ALMSHOUSES

BALANCE SHEET

31 December 2022

31.12.22
Unrestricted
funds
Notes
£
FIXED ASSETS
Tangible assets
8
12,955
Investments
9
43,430
56,385
CURRENT ASSETS
Debtors
10
9,175
Cash at bank and in hand
11,678
20,853
CREDITORS
Amounts falling due within one year
11
(22,092)
NET CURRENT ASSETS
(1,239)
TOTAL ASSETS LESS CURRENT LIABILITIES
55,146
CREDITORS
Amounts falling due after more than one year
12
(49,750)
NET ASSETS
5,396
FUNDS
14
Unrestricted funds
5,396
TOTAL FUNDS
5,396
31.12.21
Total
funds
£
12,955
44,829
57,784
8,102
6,520
14,622
(38,576)
(23,954)
33,830
(56,675)
(22,845)
(22,845)
(22,845)

The financial statements were approved by the Board of Trustees and authorised for issue on 15 May 2023 and were signed on its behalf by:

Jonathan Dixon - Trustee

The notes form part of these financial statements

Page 5

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS for the Year Ended 31 December 2022

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value, as modified by the revaluation of certain assets.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Tangible fixed assets

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

Freehold property - not provided

The Sir Francis Crossley's Almhouses were donated to the charity in approximately 1860 by the Crossley family. There is no record of the original cost and no valued is attributed hereto, as the trustees consider the value at that date to be negligible.

The Housing Properties cost value in the accounts relates to improvements carried out since 1984, these were funded by a Housing Corporation Grant and also a mortgage loan from the Housing Corporation. The mortgage loan is secured by a charge on housing, land and buildings.

As the properties are maintained in a state of repair such that their estimated residual value is not less than the improvement cost or carrying amount, the annual charge for depreciation is nil. All properties are held for the purposes of letting.

Taxation

The charity is exempt from tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Cyclical repairs and maintenance

Sir Francis Crossley's Almhouses has established a regular programme of cyclical repairs and maintenance. Costs are charged to the statement of financial activities in the year in which they are incurred, an annual reserve is made which represents amounts set aside for cyclical maintenance to meet any costs which are incurred in excess of budget.

Donated goods

David Berry (trustee) occasionally donates building materials from his stores. He has also personally purchased equipment which is often used by the Charity. Due to the difficulty in valuing such items, these amounts are not reflected within the financial statements.

Page 6

continued...

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

1. ACCOUNTING POLICIES - continued

Housing association grant

The Housing Association grant (HAG) was received from the Housing Corporation to reduce the costs of developing the properties, it is shown as a deduction from the cost of Housing Properties on the Balance Sheet. The HAG will only become repayable under certain circumstances, these would primarily be the sale of the property but the repayment would normally be restricted to sales proceeds.

Fixed Asset Investments

Fixed asset investments comprise assets held by the charity which are not expected to be converted into cash in the short term. Fixed asset investments are valued at market value, with unrealised and realised gains and losses being passed through the statement of financial activities.

2.

DONATIONS AND LEGACIES

2. DONATIONS AND LEGACIES
31.12.22 31.12.21
£ £
Donations 1,000 -
3. OTHER TRADING ACTIVITIES
31.12.22 31.12.21
£ £
Maintenance contributions from residents 96,735 87,241
4. INVESTMENT INCOME
31.12.22 31.12.21
£ £
Deposit account interest - 1
Income from listed investments 1,417 1,625
1,417 1,626
5. CHARITABLE ACTIVITIES COSTS
Direct Support
Costs costs Totals
£ £ £
Provision of almhouses 51,192 18,320 69,512

6. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 December 2022 nor for the year ended 31 December 2021.

During the year trustee indemnity insurance has been purchased at a cost of £510 (2021 : £510).

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 December 2022 nor for the year ended 31 December 2021.

continued...

Page 7

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

7. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
funds
£
INCOME AND ENDOWMENTS FROM
Other trading activities 87,241
Investment income 1,626
Total 88,867
EXPENDITURE ON
Charitable activities
Provision of almhouses 157,111
Net gains on investments 3,715
NET INCOME/(EXPENDITURE) (64,529)
RECONCILIATION OF FUNDS
Total funds brought forward 41,684
TOTAL FUNDS CARRIED FORWARD (22,845)
8. TANGIBLE FIXED ASSETS
Freehold
property
£
COST
At 1 January 2022 and 31 December 2022 12,955
NET BOOK VALUE
At 31 December 2022 12,955
At 31 December 2021 12,955

The net book value of tangible fixed assets is made up of the following:

31.12.21
£
Original cost 384,901
Housing Corporation grant received (371,946)
12,955

The Sir Francis Crossley's Almhouses were donated to the charity in approximately 1860 by the Crossley family. There is no record of the original cost and no value is attributed thereto as the trustees consider the value at that date to be negligible.

The cost shown above of £384,901 relates to capital improvements carried out since 1984, these improvements were funded by a Housing Corporation Grant of £371,946 and a residual mortgage loan of £12,955, which was repayable with interest calculated at 10.25% and 10.37% per annum over thirty years from 1 March 1984 and 1 March 1986 respectively.

No depreciation has been accounted for on the improvements to the property, as the value of these improvements is not considered to be less than the carrying value of the property at the year end.

continued...

Page 8

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

9.

FIXED ASSET INVESTMENTS

9. FIXED ASSET INVESTMENTS
Listed
investments
£
MARKET VALUE
At 1 January 2022 44,829
Revaluations (1,399)
At 31 December 2022 43,430
NET BOOK VALUE
At 31 December 2022 43,430
At 31 December 2021 44,829
There were no investment assets outside the UK.
Cost or valuation at 31 December 2022 is represented by:
Listed
investments
£
Valuation in 2021 31,666
Valuation in 2022 (1,399)
Cost 13,163
43,430
31.12.22 31.12.21
£ £
The investment assets comprise the following :-
108 BLK Charities UK Equity Fund A Inc 135 135
48,338 M&G Charity MAF Income units 13,028 13,028
Cost at 31 December 2022 13,163 13,163
Market value at December 2022 43,430 44,829
10. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.12.22 31.12.21
£ £
Prepayments and accrued income 9,175 8,102

continued...

Page 9

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

11. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

31.12.22 31.12.21
£ £
Other loans (see note 13) 11,925 14,425
Accruals and deferred income 10,167 24,151
22,092 38,576
12. CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
31.12.22 31.12.21
£ £
Other loans (see note 13) 49,750 56,675
13. LOANS
An analysis of the maturity of loans is given below:
31.12.22 31.12.21
£ £
Amounts falling due within one year on demand:
Other loans 11,925 14,425
Amounts falling between one and two years:
Other loans - 1-2 years 8,800 9,425
Amounts falling due between two and five years:
Other loans - 2-5 years 18,900 18,900
Amounts falling due in more than five years:
Repayable by instalments:
Other loans more 5yrs instal 22,050 28,350
14. MOVEMENT IN FUNDS
Net
movement At
At 1.1.22 in funds 31.12.22
£ £ £
Unrestricted funds
General fund (78,912) 29,640 (49,272)
Endowment fund 15,000 - 15,000
G H Haley fund 350 - 350
Reserve fund 9,050 - 9,050
Revaluation reserve 31,667 (1,399) 30,268
(22,845) 28,241 5,396
TOTAL FUNDS (22,845) 28,241 5,396

continued...

Page 10

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

14. MOVEMENT IN FUNDS - continued

Net movement in funds, included in the above are as follows:

Incoming Resources Gains and Movement
resources expended losses in funds
£ £ £ £
Unrestricted funds
General fund 99,152 (69,512) - 29,640
Revaluation reserve - - (1,399) (1,399)
99,152 (69,512) (1,399) 28,241
TOTAL FUNDS 99,152 (69,512) (1,399) 28,241
Comparatives for movement in funds
Net Transfers
movement between At
At 1.1.21 in funds funds 31.12.21
£ £ £ £
Unrestricted funds
General fund (10,667) 6,960 (75,205) (78,912)
Extraordinary repairs reserve fund - (66,095) 66,095 -
Cyclical repairs fund - (9,110) 9,110 -
Endowment fund 15,000 - - 15,000
G H Haley fund 350 - - 350
Reserve fund 9,050 - - 9,050
Revaluation reserve 27,951 3,716 - 31,667
41,684 (64,529) - (22,845)
TOTAL FUNDS 41,684 (64,529) - (22,845)

Comparative net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
Extraordinary repairs reserve fund
Cyclical repairs fund
Revaluation reserve
TOTAL FUNDS
Incoming
resources
£
78,366
5,250
5,250
1
88,867
88,867
Resources
expended
£
(71,406)
(71,345)
(14,360)
-
(157,111)
(157,111)
Gains and
Movement
losses
in funds
£
£
-
6,960
-
(66,095)
-
(9,110)
3,715
3,716
3,715
(64,529)
3,715
(64,529)

continued...

Page 11

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

14. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined position is as follows:

Net Transfers
movement between At
At 1.1.21 in funds funds 31.12.22
£ £ £ £
Unrestricted funds
General fund (10,667) 36,600 (75,205) (49,272)
Extraordinary repairs reserve fund - (66,095) 66,095 -
Cyclical repairs fund - (9,110) 9,110 -
Endowment fund 15,000 - - 15,000
G H Haley fund 350 - - 350
Reserve fund 9,050 - - 9,050
Revaluation reserve 27,951 2,317 - 30,268
41,684 (36,288) - 5,396
TOTAL FUNDS 41,684 (36,288) - 5,396

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Incoming Resources Gains and Movement
resources expended losses in funds
£ £ £ £
Unrestricted funds
General fund 177,518 (140,918) - 36,600
Extraordinary repairs reserve fund 5,250 (71,345) - (66,095)
Cyclical repairs fund 5,250 (14,360) - (9,110)
Revaluation reserve 1 - 2,316 2,317
188,019 (226,623) 2,316 (36,288)
TOTAL FUNDS 188,019 (226,623) 2,316 (36,288)

General funds:-

The general funds represent the carried forward surpluses of the charity for this and prior years. These funds can be used for any purpose within the charitable objects.

Extraordinary repairs fund:-

The extraordinary repairs funds represent monies reserved for major repairs to the almhouses properties.

Cyclical repairs fund:-

The cyclical repairs fund represents monies reserved for the purpose of meeting repairs costs incurred in the year which are in excess of budget.

Revaluation reserve:-

The revaluation reserve represents the difference between the market value of the fixed asset investments held at the balance sheet date, and their original cost.

Transfers between funds:-

A transfer has been made in the year between the general and extraordinary repairs fund, to recognise that the repairs fund had become overspent.

continued...

Page 12

FRANK CROSSLEY'S ALMSHOUSES

NOTES TO THE FINANCIAL STATEMENTS - continued for the Year Ended 31 December 2022

15. RELATED PARTY DISCLOSURES

During the year, the charity purchased building services amounting to £12924 ( 2021 £48165) from David Berry (Trustee). These services were provided at a substantially discounted rate. In particular, any work is performed with full knowledge of all the trustees who carry out inspections and have relevant knowledge and experience to know that the work is of a high standard.

At the year end , the amount owed to David Berry was £3084 (2021 £13675).

16. ULTIMATE CONTROLLING PARTY

The charity is controlled by the board of trustees.

17. INDEPENDENT EXAMINERS REMUNERATION

The amounts payable to the Independent examiner are £1200 (2021 - £1920) in respect of the annual examination. The amounts payable for other services are £1680 (2021 - £nil).

Page 13

FRANK CROSSLEY'S ALMSHOUSES

DETAILED STATEMENT OF FINANCIAL ACTIVITIES for the Year Ended 31 December 2022

31.12.22 31.12.21
£ £
INCOME AND ENDOWMENTS
Donations and legacies
Donations 1,000 -
Other trading activities
Maintenance contributions from residents 96,735 87,241
Investment income
Deposit account interest - 1
Income from listed investments 1,417 1,625
1,417 1,626
Total incoming resources 99,152 88,867
EXPENDITURE
Charitable activities
Insurance 3,857 3,625
Water rates and light and heat 6,784 8,796
Sundries 1,121 2,693
Repairs and Maintenance 38,380 115,961
Gardening 1,050 1,822
51,192 132,897
Support costs
Governance costs
Accountancy and legal fees 1,200 1,920
Company secretarial and administration 5,280 9,060
Legal and professional 11,840 13,234
18,320 24,214
Total resources expended 69,512 157,111
Net income/(expenditure) 29,640 (68,244)

This page does not form part of the statutory financial statements

Page 14