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2025-03-31-accounts

UPPER NORWOOD ASSOCIATION FOR COMMUNITY CARE

ANNUAL REPORT AND ACCOUNTS 2024 – 2025

ABOUT US

We are a charitable organisation receiving some financial help from the London Borough of Croydon, and other charitable trusts, and cater specifically for people over fifty. We provide a warm and friendly service for people to drop-in and chat or become involved in a variety of activities. Here is an example of our regular services:

Services Available

Beauty therapy Computer Buddies Yoga Art Classes Keep Fit and Dance Exercises Nordic Walking Reminiscence Groups Quiz Sessions Scrabble, Bingo Film Club IT support Signposting Parties & Outings Talks on matters of interest Help with letter writing and form filling.

We have close links with professional and statutory bodies which can offer help with problems.

For further information please telephone the Centre Manager, Natalie Fernandez, on 020 8771 6886 for an appointment. There is an Annual Membership fee of £40.

THE SOCIAL CENTRE

Monday, Tuesday, Wednesday and Friday 9.30am to 2.30pm

LUNCH CLUB

Monday 12pm, Tuesday, Wednesday and Friday 12.30pm

Upper Norwood Association for Community Care Annual Report and Financial Statements For the Year Ended 31st March 2025

Contents

Page
Reference and Administrative Information 1
Report of the Trustees 2 - 6
Report of the Independent Examiner 7
Statement of Financial Activities 8
Balance Sheet 9
Notes Forming Part of the Financial Statements 10 - 15

Upper Norwood Association for Community Care Reference and Administrative Information For the Year Ended 31st March 2024

TRUSTEES & EXECUTIVE COMMITTEE

Barry Hackett Chairman Daniel Blake Vice Chair Anne Lynda Charles Mukesh Chauhan Shirley Douthwaite Jenny Flynn Sophia Yearwood

Non-voting members of the Executive Committee

Natalie Fernandez Centre Manager Principal Office and Centre UNACC Waterside Centre 26 Avenue Road London SE25 4DX

Registered Charity Number 265270

Independent Examiner Christopher Wright, BA Hons

How to find us

1

Upper Norwood Association for Community Care Report of the Trustees For the Year Ended 31st March 2025

The Trustees are pleased to present their annual report and financial statements for the year ended 31[st] March 2025. The Trustees confirm that the reported financial statements of the Charity comply with the current statutory requirements, the requirements of the Charity’s governing documents, and the provisions of “Accounting and reporting by charities: Statement of Recommended Practice (SORP) 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 (Charities SORP FRS 102).

Structure, Governance and Management

UNACC is an unincorporated association, and a registered charity. It is governed by a constitution which was adopted on 30[th] November 1972.

The objects of the association are to promote any charitable purposes for the benefit of the community in Upper Norwood and the neighbourhood, and in particular the advancement of education, the furtherance of health and the relief of poverty, distress and sickness.

The association seeks to promote and organise co-operation in the achievement of the above purposes and to that end to bring together in council representatives of the statutory authorities and voluntary organisations engaged in the furtherance of the above purposes within Upper Norwood and the neighbourhood.

The Association is governed by a Board of Trustees, whose members are non-executive and unpaid. The members of the Board are trustees under charity law. The Board meets at least 4 times a year, and gives strategic and policy direction for the Association.

The Board may include a maximum of 2 co-opted members at any time. Co-opted members may be formally appointed at the AGM or at an EGM by the members. There must be at least 5, but no more than 10 Board members.

Public Benefit

UNACC was registered as a charitable organisation in 1972 and has since expanded to offer a wide range of activities and outings as well as continuing to provide a safe and inclusive meeting place for older people.

The centre is open to anyone aged fifty and over, and both members and volunteers come from the surrounding boroughs of Croydon, Bromley, Southwark, and Lambeth.

During our over 50 years in existence, we have developed an active social centre and lunch club offering a wide-ranging choice of healthy living activities for older people, enabling them to remain in their own homes and to retain their independence. We provide an essential service to the neighbourhood by preventing loneliness and depression, and we are proud to enable volunteers to extend friendship and practical support to people who would otherwise be isolated in the local community.

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Upper Norwood Association for Community Care Report of the Trustees For the Year Ended 31st March 2025

Reserves Policy

It is the policy of the Association that unrestricted funds which have not been designated for a specific use should be maintained at a level equivalent to between three and six months’ expenditure. The Trustees consider that reserves at this level will ensure that, in the event of a significant drop in funding, they will be able to continue the Charity’s current activities whilst consideration is given to ways in which additional funds may be raised. Reserves currently equate to 7.5 months’ expenditure.

Review of financial position

The financial results for the year are set out in the attached accounts. They show a deficit of £58,309 for the year (2024: surplus £13,163). The total reserves at 31st March 2025 were £62,462 (2024: £120,771).

Achievement and Performance - Report on Centre Activities

During the year:-

3

Upper Norwood Association for Community Care Report of the Trustees For the Year Ended 31st March 2025

Statement of Trustees’ Responsibilities

The trustees are responsible for preparing the Report of the Trustees and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the income and expenditure, of the charity for that period. In preparing those financial statements, the trustees are required to:

The trustees are responsible for keeping sufficient accounting records which disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011 and the Charity (Accounts and Reports) Regulations 2008. They 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.

4

Upper Norwood Association for Community Care Report of the Trustees For the Year Ended 31st March 2025

Office Staff

During the year, we employed three staff. Natalie Fernandez, Centre manager, Roberta Gallinari, Admin-Finance officer and Paige O’Hara, Chef. Staff updated their skills this year by undergoing Safeguarding, Food safety and hygiene, and First aid and defibrillation training.

Volunteers

UNACC are extremely proud of and grateful to its amazing volunteers, without whom we could not continue to run. We have welcomed several new volunteers during the year who work tirelessly for the benefit of UNACC and its members.

Publicity

UNACC's newsletter was published on the first of every month. Publicity posters with general and specific advertising materials were placed in local shops, GP surgeries and churches as well as the library. UNACC also has a successful website, and maintained an online presence including regularly updated Facebook, Instagram, and X pages.

We continued to provide food parcels with any surplus food to local families and carers. UNACC has partnered with many different agencies, and has accommodated students undertaking GCSEs, A Levels and Degree subjects for work experience. UNACC maintained a successful partnership with Addiscombe Neighbourhood Care, providing hot meals twice per week to its older members.

Events

We have produced a varied and full programme of events, including a very successful quiz fundraising evening which raised around £1500.

Funding

Whilst the total loss of funding from Croydon council, who had previously supported UNACC for more than 20 years was a huge setback, we have worked hard to secure funding from other sources, for example small amounts of project funding from the NHS.

The loss of our historical funding from Croydon Council has been impossible to replace this financial year, despite the best efforts of staff, trustees and volunteers. We continue to seek funding through Trusts, Foundations and Corporate partnerships to sustain the charity in the future.

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Upper Nornood Assoekntloo for Community Care Report of the Trustees For the Year Ended 31st March 2025 Fundlng (Continued) The fi￿￿Ing sitsation pose5 many cballenges for UNACC and its Susthinability over the next 3-5 years. Short tem) fuoding and reductiOJ8 in local authority grants have led to an increasing reliatKe on tr¥Jst and foundation fullding that are now routinely oversubs¢rib¢(L The effort time required to go through yearly funding rounds i5 Substanti￿ for a cbarity like UNACC with IiLnited 5[atT￿9 resources. UNACC will need to coDsidtr a variety of options in the next year to ensure its ¢ontitiwl survival including closer prtwship Worki￿ shared services and possible mergers. Chairman?5 Revieiw of the Year Our Upper Norwood A￿ocIall0n for Con]munity Care Charity h4 yet again, overcome a frcsh set of hurdles and opwated a fvll fin8n¢ial year of action and cor(￿n￿nity siipport. Against all the odds, UNACC h&8 buili on Ats strengths and fought back a88inst every adversity throwD its way. Due to the Iwd WO￿ and dedication of its OFmtiies, we face the next financial period with the confident knowledge of aiob v6ry well th)ne this year. Vote of thanks We must 8¢knowled8e the invaluable supron of our donors and benefactors. those who hav¢ soughi to fill the gaps left after Croydon Council utWdbleluDwilling to meet their previous commitments. Howev&. an even ￿8t¢r d¢bt is owed to thos¢ m¢mlxrs of stsff who conttnue to apply for new f￿￿ela1 backing to cover the losl monies. Our paid staff and a host of volunteers have achieved the most remarkable hom￿f￿D￿h0rnC v¢nu¢ for our members, & safe haven in a troubl¢d World. We salute y(w alL and you for 411 you do (m our behalf. Signed. on behalf of the board of TTUStees: J.3//L)/ ZOLF Barry HAcket4 Chalrnian Dats

Upper Norwood Alsoclatlon for ComnJuDity Care Independent Examiner's RÈport For the Year Ended 31st March 202S T rLport to the charity tn]stees on my exa￿l[￿lI10n orth¢ financial statements of The Upper Norwood Association for C4)mmunity Care (tbe cFwl￿) for the year cndcd 31 March 2025. Thcs¢ ¢ompns¢ the Statement of Fitwirial Activilies (including Income and EX￿nditUre Account), the B81ance Sh¢¢T and th¢ rddi¢d Nvtes, all of which are set out on page$ 8-15. Responslbilltles and basis of report As the Charity's truste¢s you are reSp￿s￿bk for the preparation of the accowjts in 3ccordanve with the requirements of ihe ChaTiiies ALX 20111'Ih¢ A¢t'). I r￿ort in r¢sp¢ct of my examination of the Trust's accounts carried out under section 145 of the 201 l A¢1 and in carying out m). examinarion I hai'e followed all the applicable DIr￿lI￿n$ give by the Chari¢y Commi&%ion under section 145(5Xb) of the A¢T. Tndependtnt exAminer's $1gl¢m¢nt I have complLted my cxamination. l ¢onfum thai JM) Ma￿rial matters have come (o my anention in connection with the CX#[ni￿lI￿n giving me caLW io believe thai ia ally material respect: l. the kccounting records wer¢ not kept in accordanc¢ with secuon 130 of the Ch￿1t7es Act. or 2. the ￿CoUnts did not accord *iih the aLyou￿8 records. or 3. the accounts did noi Comply with the applicable requirements ¢on¢¢mingy th¢ fom and content of acciyunt5 set out in The Charities (Aw)untts' and Reports) Regulations 2008 other than any iequiremertt the I￿ountS give a 'tTue and fair, view which is not a matter considered as part of au indqKnd¢nt ex8minati()ft. I have no co#c¢rns and haie come acro￿ no other maiters in COMI￿.1)0￿ with th¢ examination to which attention should ￿ dr4￿￿ in this rep)rt in i>rdcr to enablc a prDp¢r understaudin8 of ibe couDls' io k reached. 13 2.2) Chrl$topber Wrigh¢ BA Hons 80 Syli'an Road Crystal Palace London SE19 2RZ Date

Upper Norwood Association for Community Care Statement of Financial Activities

For the Year Ended 31st March 2025

Unrestricted
Notes
Funds
Income from:
Grants
-
Donations & sponsorship
4,850
Investments
475
Income from operations
35,544
Other Income
-
Total income
40,869
Expenditure on:
Charitable activities
27,225
Raising funds
4,010
Management and administration
67,943
Total Expenditure
99,178
Net (expenditure) / income
(58,309)
Reconciliation of funds
Total funds brought forward
9
120,771
Total funds carried forward
62,462		 Restricted
Funds
2,500
-
-
-
-
2,500
2,500
-
-
2,500
-
-
-		 Total
2025
2,500
4,850
475
35,544
-
43,369
29,725
4,010
67,943
101,678
(58,309)
120,771
62,462		 Total
2024
27,300
43,718
422
34,844
-
106,284
29,262
-
63,859
93,121
13,163
107,608
120,771

8

pper Norwood AS￿el￿tion for Community Ca Ba1￿Ce Shetl As a¢ Jlst )larch 2025 2025 2024 FIX￿ ••••t• Tanglble fixad 8$80ts 21)0 Current au•ts Cash al bank National Sawngs Income bond Debtor3 & pr6payrnts 388 9.000 114.401 9.(X)O Total ¢urront •￿ts 65.388 123.401 Cuff•nl Ilabllltlo8 Cr8dttors & accrued expendiiuro 926 Net currnrt a•s•ts 62.462 120.571 Total ass•ts 62A62 120.771 FITran￿d by. G•n•ral Funds Unrestricted fur¥Js Reslrkted funds 62.462 120.n1 82,462 120,771 The financial statom•nts on pag88 11k14 were approvtd by the Board of Trustees on .. 202S ar￿ slgned half by. Bary HacketL Chairman nid Blak•. Vice Chakman

Upper Norwood Association for Community Care Notes Forming Part of the Financial Statements For the Year Ended 31st March 2025

1. Accounting policies

Basis of accounting

The financial statements have been prepared in accordance with “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) – (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Fund accounting

Unrestricted funds comprise accumulated surpluses and deficits on general funds. They are available for use at the discretion of the trustees in furtherance of the charitable objects of the charity.

Restricted funds comprise monies raised for, and their use restricted to, a specific purpose, or donations subject to conditions imposed by the donor or through the terms of an appeal.

Income

All incoming resources are included in the Statement of Financial Activities when the charity is legally entitled to the income, it is certain that the income will be received ahnd the amount can be quantified with reasonable accuracy. The following specific policies are applied to particular categories of income:

Voluntary income is received by way of core grants, donations and membership subscriptions and is included in full in the Statement of Financial Activities.

Incoming resources from charitable activities are included in full in the Statement of Financial Activities.

Investment income and bank interest receivable are fully accrued at the balance sheet date.

Expenditure

Resources expended are recognised on an accruals basis when a liability is incurred, as soon as there is a legal or constructive obligation committing the charity to the expenditure.

Charitable expenditure comprises those costs incurred by the charity in the delivery of its activities. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.

Operating leases

Rentals payable under operating leases are charged to the Statement of Financial Activities as incurred over the term of the lease.

Cash flow

The financial statements do not include a cash flow statement because the charity, as a small reporting entity, is exempt from the requirement to prepare such a statement under Financial Reporting Standard 1 'Cash Flow Statements'.

VAT

The charity is not registered for VAT.

10

Upper Norwood Association for Community Care Notes Forming Part of the Financial Statements (continued) For the Year Ended 31st March 2025

1. Accounting policies (continued)

Tangible fixed assets

Tangible fixed assets are stated at cost less accumulated depreciation.

Tangible fixed assets are depreciated at rates calculated to write off the cost of each asset over its estimated useful life as follows:

Office equipment 25% Straight line basis Centre equipment 20% Straight line basis

2. Net income for the year

2. Net income for the year
Net incoming resources for the year is stated
after charging:
Independent examiner's remuneration
Depreciation		 2025
£
1,026
200		 2024
£
-
541

3. Tangible fixed assets

Cost
At 1st April 2024
Additions
Disposals
At 31st March 2025
Depreciation
At 1st April 2024
Charge for the year
At 31st March 2025
Net book value
At 31st March 2025
At 31st March 2024		 Office
£
9,463
-
-
9,463
9,263
200
9,463
-
**200 **		 Centre
£
4,337
-
-
4,337
4,337
-
4,337
-
-		 Total
£
13,800
-
-
13,800
13,600
200
13,800
-
**200 **

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Upper Norwood Association for Community Care Notes Forming Part of the Financial Statements (continued) For the Year Ended 31st March 2025

4. Cash at bank

Bank accounts were reconciled at the period end to the following balances:

Barclays
HSBC 1
HSBC 2
5. Debtors
Prepayments
Accrued income
Other debtors
6. Creditors: amounts falling due within one year
Trade creditors
Accruals
Deferred income
7. Staff Costs
Wages & Salaries
PAYE & NIC
Pensions		 2025
£
46,656
7,386
2,346
56,388
2025
£
-
-
-
-
2025
£
-
1,026
1,900
2,926
2025
£
61,057
-
1,259
**62,316 **		 2024
£
105,085
2,069
7,247
**114,401 **
2024
£
-
-
-
-
2024
£
-
1,080
1,750
**2,830 **
Restated
2024
£
57,098
-
1,132
**58,230 **

Prior year staff costs have been restated to include employee income tax, national insurance and pension payments within the salaries total. Employer national insurance contributions were all covered by the annual allowance of £5,000. These adjustments reflect more accurately the costs to the business.

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Upper Norwood Association for Community Care Notes Forming Part of the Financial Statements (continued) For the Year Ended 31st March 2025

8. Trustees Expenses

No remuneration has been paid, nor any expenses reimbursed to any of the trustees (2024: £0).

9. Statement of funds
Restricted funds
McCarthy & Stone
Ros Harding Trust
Unrestricted funds
General fund
TOTAL FUNDS
Prior Year
Restricted funds
NHS South West London
Croydon Relief in Need Fund
Ros Harding Trust
Unrestricted funds
General fund
TOTAL FUNDS		 1 Apr
2024
£
-
-
-
120,771
120,771
1 Apr
2023
£
-
-
-
-
107,608
107,608		 Incoming
resources
£
750
1,750
2,500
40,869
43,369
Incoming
resources
£
18,000
8,300
1,000
27,300
78,984
106,284		 Resources
expended
£
750
1,750
2,500
99,178
101,678
Resources
expended
£
18,000
8,300
1,000
27,300
65,821
93,121		 31 Mar
2025
£
-
-
-
**62,462 **
62,462
31 Mar
2024
£
-
-
-
-
**120,771 **
120,771

McCarthy & Stone

Funds were received to assist with the costs of the Christmas party, singer and food.

Ros Harding Trust

A further grant of £1,750 was received to cover the cost of room hire charges during the year.

NHS South West London

Grants were received towards staff costs and the rental of premises.

Croydon Relief in Need Fund

Funds were received to enable us to provide a warm hub and food parcels to the local community.

13

Upper Norwood Association for Community Care Income & Expenditure For the Year Ended 31st March 2025

10. REVENUE COMMITMENTS

UNACC has entered into a lease agreement with Croydon Voluntary Association as follows:

Ground floor space
Waterside centre house rooms
Total		 2025
£
6,048
17,640
**23,688 **		 2024
£
5,760
15,960
**21,720 **

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Upper Norwood Association for Community Care Income & Expenditure For the Year Ended 31st March 2025

Total Total
Unrestricted Restricted 2025 2024
£ £ £ £
INCOME
Grant - Ros Harding Trust - 1,750 1,750 1,000
Grant - McCarthy & Stone - 750 750 -
Grant - NHS South West London - - - 18,000
Grant - Croydon Relief in Need fund - - - 8,300
Grant - Croydon Council - - - -
Donations 4,850 - 4,850 43,718
Members daily rate 1 14,321 - 14,321 14,831
Members daily rate 2 2,134 - 2,134 2,710
Members daily rate 3 4,214 - 4,214 3,001
Takeaway Meals 5,155 - 5,155 5,479
Outings & Parties 2,693 - 2,693 4,199
Membership subscriptions 2,216 - 2,216 2,243
Exercise & activities 803 - 803 1,368
Lunches & Snacks 4,007 - 4,007 1,007
Bank interest & investment income 475 - 475 422
Al fresco / Veranda 1 - 1 6
Other Income - - - -
Rental Income - - - -
TOTAL INCOME **40,869 ** **2,500 ** **43,369 ** **106,284 **
EXPENDITURE
Staff costs (incl travel) 62,989 - 62,989 58,914
CVA rent, heat & lighting 17,789 1,750 19,539 17,967
Lunches & Snacks 5,262 - 5,262 6,030
Exercise & entertainment 4,029 750 4,779 4,834
Stationery, printing & office supplies 1,433 - 1,433 1,506
Telephone & Internet 1,580 - 1,580 1,142
Accountancy fees 1,026 - 1,026 1,080
Insurance 677 - 677 605
Depreciation 200 - 200 541
Trips, holidays, parties & outings 145 - 145 431
Sundries / misc 38 - 38 71
Fundraising 4,010 - 4,010 -
99,178 2,500 101,678 93,121
SURPLUS / (DEFICIT) (58,309) - (58,309) **13,163 **

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