OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator.

2025-06-30-accounts

COMPANY REGISTRATION NUMBER: 01512666 CHARITY REGISTRATION NUMBER: 281296

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE UNAUDITED FINANCIAL STATEMENTS

30 JUNE 2025

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

FINANCIAL STATEMENTS

YEAR ENDED 30 JUNE 2025

PAGES
Trustees' annual report (incorporating the director's report) 1 to 4
Independent examiner's report to the trustees 5
Statement of financial activities (including income and expenditure
account) 6
Statement of financial position 7
Notes to the financial statements 8 to 15

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT)

YEAR ENDED 30 JUNE 2025

The trustees, who are also the directors for the purposes of company law, present their report and the unaudited financial statements of the charity for the year ended 30 June 2025.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered charity name Berosa Charity Limited Charity registration number 281296 Company registration number 01512666 Principal office and registered New Burlington House office 1075 Finchley Road London NW11 0PU The trustees B Bard R Berkovits S Sinitsky S E Berkovits Company secretary S E Berkovits Independent examiner Joshua A Neumann FCA New Burlington House 1075 Finchley Road LONDON NW11 0PU

- 1 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 30 JUNE 2025

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is constituted as a company limited by guarantee and as such, its governing documents are its Memorandum and Articles of Association.

Its registered charity number is 281296 and its company registration number is 01512666.

Appointment, training and recruitment of trustees

It is not currently the intention of the trustees of the charity to appoint new trustees. Should the situation change in the future, the trustees will apply suitable recruitment training and induction procedures, which includes an understanding of the content of the Memorandum and Articles of Association and their legal obligations under the Charity Act and Company Law, and the recent financial performance of the charity. Trustees are encouraged to attend appropriate external training events which enhance their knowledge and skill thereby improving the performance of their role.

Management of the charity

The trustees administer the day-to-day affairs of the charity. Trustees seek advice from their Accountants and other professionals on a regular basis to ensure regulatory compliance.

Group structure and Relationships

The charity has the following wholly owned non-charitable operating subsidiary:

Dercourt Limited - currently a dormant property investment company under registration number 01505933.

Dippen Hall Holdings 1 Ltd - currently a dormant property investment company under registration number 16115174.

Dippen Hall Holdings 2 Ltd - currently a dormant property investment company under registration number 16115180.

Related parties and co-operations with other organisations

None of our trustees receive remuneration or other benefit from their work with the charity. Any connection between a trustee of the charity with another charity must be disclosed to the board of trustees on the same way as any other contractual relationship with a related party.

None of the trustees have any beneficial interest in the charity.

OBJECTIVES AND ACTIVITIES

The charity's objectives are to promote the advancement of religion in accordance with the orthodox Jewish faith, the relief of poverty and for such other purposes as are recognised by English Law as charitable.

The charity's principal activity throughout the year was the provision and distribution of donations and grants to charities. The charity aims to maximise its grants and donations on an annual basis.

The trustees confirm that they have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing the charity's aims and objectives and in planning future activities and setting the grant making policy for the year.

- 2 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 30 JUNE 2025

OBJECTIVES AND ACTIVITIES (continued)

Grant making policy

The trustees are approached for donations by a wide variety of charitable institutions operating all over England and also abroad. The trustees consider all requests which they receive and make donations based on level of funds available.

ACHIEVEMENTS AND PERFORMANCE

During the year the charity continued its philanthropic activities in support of religious, education and other charitable institutions.

A total of £299,600 has been distributed during the year in accordance with the objectives of the charity as shown in the attached financial statements.

The benefits that the charities provide include:

FINANCIAL REVIEW

Risk Management

The trustees have a risk management strategy which comprises:

This work has identified that financial sustainability is the major financial risk for the charity. A key element in the management of financial risk is a regular review of available liquid funds to settle debts as they fall due to ensure sufficient working capital by the charity. The trustees are satisfied that these systems and procedures manage any perceived risks.

Reserve Policy

At the year-end £1,519,995 (2024: £1,040,251) was held as unrestricted funds. It is the policy of the charity to maintain unrestricted funds, which are the free reserve of the charity, at a level, which the trustees think appropriate after considering the future commitments of the charity and the likely administrative costs of the charity for the next year.

Investment Powers, Policy and Objectives

Under the Memorandum and Articles of Association, the charity has the power to make any investment, which the trustees see fit. The trustees regularly review the charity's position and needs in respect of the investment policy.

The trustees believe their experience within the UK investment property market will maximise the charity's income from its investments.

- 3 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

TRUSTEES' ANNUAL REPORT (INCORPORATING THE DIRECTOR'S REPORT) (continued)

YEAR ENDED 30 JUNE 2025

SMALL COMPANY PROVISIONS

This report has been prepared in accordance with the provisions applicable to companies entitled to the small companies exemption.

The trustees' annual report was approved on 24 April 2026 and signed on behalf of the board of trustees by:

S E Berkovits Trustee

- 4 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF BEROSA CHARITY LIMITED

YEAR ENDED 30 JUNE 2025

I report to the trustees on my examination of the financial statements of Berosa Charity Limited ('the charity') for the year ended 30 June 2025.

RESPONSIBILITIES AND BASIS OF REPORT

As the trustees of the company (and also its directors for the purposes of company law) you are responsible for the preparation of the financial statements in accordance with the requirements of the Companies Act 2006 ('the 2006 Act’).

Having satisfied myself that the accounts of the company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of the charity’s accounts as carried out under section 145 of the Charities Act 2011 (‘the 2011 Act’). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

INDEPENDENT EXAMINER'S STATEMENT

In connection with my examination, no matter has come to my attention which gives me cause to believe that in, any material respect:

I 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.

Joshua A Neumann FCA Independent Examiner

New Burlington House 1075 Finchley Road LONDON NW11 0PU

24 April 2026

- 5 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

STATEMENT OF FINANCIAL ACTIVITIES (INCLUDING INCOME AND EXPENDITURE ACCOUNT)

YEAR ENDED 30 JUNE 2025

2025 2025 2024
Unrestricted
funds Total funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 5 49,500 49,500 314,000
Investment income 6 106,250 106,250
────────── ────────── ──────────
Total income 155,750 155,750 314,000
══════════ ══════════ ══════════
Expenditure
Expenditure on raising funds:
Investment management costs 7 (45,040) (45,040) (4,436)
Expenditure on charitable activities 8,9 (302,408) (302,408) (179,188)
────────── ────────── ──────────
Total expenditure (347,448) (347,448) (183,624)
══════════ ══════════ ══════════
Net gains/(losses) on investments 11 671,442 671,442 (341)
────────── ────────── ──────────
Net income and net movement in funds 479,744 479,744 130,035
══════════ ══════════ ══════════
Reconciliation of funds
Total funds brought forward 1,040,251 1,040,251 910,216
───────────── ───────────── ─────────────
Total funds carried forward 1,519,995 1,519,995 1,040,251
═════════════ ═════════════ ═════════════

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 8 to 15 form part of these financial statements.

- 6 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

STATEMENT OF FINANCIAL POSITION

30 JUNE 2025

2025 2024
Note £ £ £ £
FIXED ASSETS
Investments 14 3,336,465 2,000,002
CURRENT ASSETS
Debtors 15 421,794 70,582
Cash at bank and in hand 21,350 16,177
────────── ─────────
443,144 86,759
CREDITORS: amounts falling due
within one year 16 (231,035) (1,046,510)
────────── ─────────────
NET CURRENT ASSETS 212,109 (959,751)
───────────── ─────────────
TOTAL ASSETS LESS CURRENT
LIABILITIES 3,548,574 1,040,251
CREDITORS: amounts falling due
after more than one year 17 (2,028,579)
───────────── ─────────────
NET ASSETS 1,519,995 1,040,251
═════════════ ═════════════
FUNDS OF THE CHARITY
Unrestricted funds 1,519,995 1,040,251
───────────── ─────────────
Total charity funds 18 1,519,995 1,040,251
═════════════ ═════════════

For the year ending 30 June 2025 the charity was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies' regime.

These financial statements were approved by the board of trustees and authorised for issue on 24 April 2026, and are signed on behalf of the board by:

S E Berkovits Trustee

The notes on pages 8 to 15 form part of these financial statements.

- 7 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS

YEAR ENDED 30 JUNE 2025

1. GENERAL INFORMATION

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is New Burlington House, 1075 Finchley Road, London, NW11 0PU.

2. STATEMENT OF COMPLIANCE

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

3. ACCOUNTING POLICIES

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The charity meets the definition of a public benefit entity under FRS 102. The functional currency of the charity is sterling, rounded to the nearest whole pound.

Going concern

The financial statements have been prepared in accordance with the accounting principles appropriate to a going concern, as the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future by meeting its liabilities as they fall due, based on the net current asset position of the charity and available sources of finance. The trustees recognise that they have the ability to exercise control over the charity's grant making charitable activities due to the absence of any legally binding obligations.

Consolidation

The charity is not required to prepare consolidated accounts in accordance with the Charities Act 2011, and has taken advantage of the option not to prepare consolidated financial statements contained in Section 398 of the Companies Act 2006 on the basis that the charity and its subsidiary undertakings comprise a small group.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. The areas involving a higher degree of judgement or complexity, or areas where assumptions and estimates are significant to the financial statements are disclosed in note 21.

- 8 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

3. ACCOUNTING POLICIES (continued)

Fund accounting

Unrestricted funds

General unrestricted funds comprise the accumulated surplus or deficit on income and expenditure account. They are available for use at the discretion of the trustees in furtherance of the general objectives of the charity.

Incoming resources

All income is included in the statement of financial activities when entitlement has passed to the charity, it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Investment property

Investment property is initially recorded at cost, which includes purchase price and any directly attributable expenditure. Interest and other borrowing costs that are directly attributable to the development of assets are capitalised as part of the development costs.

Investment property is revalued to its fair value at each reporting date and any changes in fair value are recognised in the statement of financial activities.

- 9 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

3. ACCOUNTING POLICIES (continued)

Financial instruments

Financial instruments are classified and accounted for, according to the substance of the contractual arrangement, as either financial assets, financial liabilities or equity instruments. An equity instrument is any contract that evidences a residual interest in the assets of the company after deducting all of its liabilities.

Trade and other debtors

Trade and other debtors are recognised initially at transaction price plus attributable transaction costs. Subsequent to initial recognition, trade and other debtors that are classified as receivable within one year are measured at the undiscounted amount of the cash or other consideration expected to be received net of impairment.

Trade and other creditors

Trade and other creditors are recognised initially at transaction price less attributable transaction costs. Subsequent to initial recognition trade and other creditors that are classified as payable within one year are measured at the discounted amount of the cash or other consideration expected to be paid.

Cash and cash equivalents

Cash and cash equivalents in the statement of financial position comprise cash at bank.

4. LIMITED BY GUARANTEE

The charity company is limited by guarantee and does not have a share capital. The articles of association of the company preclude the distribution of assets to the members of the company and accordingly a reconciliation of shareholders' funds is inappropriate.

5. DONATIONS AND LEGACIES

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
DONATIONS
Donations 49,500 49,500 314,000 314,000
═════════
═════════
══════════ ══════════
6. INVESTMENT INCOME
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Income from investment properties 106,250 106,250
══════════
══════════
════ ════

- 10 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

7. INVESTMENT MANAGEMENT COSTS

Unrestricted
Total Funds
Unrestricted Total Funds
Funds
2025
Funds 2024
£ £ £ £
Property insurance costs 957
957
1,650 1,650
Investment property management fees 7,438
7,438
Investment property loan and interest
costs 36,645
36,645
2,786 2,786
─────────
─────────
─────── ───────
45,040
45,040
4,436 4,436
═════════
═════════
═══════ ═══════
EXPENDITURE ON CHARITABLE ACTIVITIES BY FUND TYPE
Unrestricted
Total Funds
Unrestricted Total Funds
Funds
2025
Funds 2024
£ £ £ £
Donations paid 299,600
299,600
175,750 175,750
Support costs 2,808
2,808
3,438 3,438
──────────
──────────
────────── ──────────
302,408
302,408
179,188 179,188
══════════
══════════
══════════ ══════════
EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE
Activities
undertaken Total funds Total fund
directly Support costs 2025 2024
£ £ £ £
Donations paid 299,600
299,600 175,750
Governance costs
2,808
2,808 3,438
──────────
───────
────────── ──────────
299,600
2,808
302,408 179,188
══════════
═══════
══════════ ══════════
ANALYSIS OF GRANTS
2025 2024
£ £
GRANTS TO INSTITUTIONS
Advancement of Health and Saving of Lives 10,000
Advancement of Education 85,600 49,000
Alleviation of Poverty 44,000 48,250
Advancement of the Jewish Religion 135,000 43,500
Grant Making Charity 35,000 25,000
────────── ──────────
Total grants 299,600 175,750
══════════ ══════════

8. EXPENDITURE ON CHARITABLE ACTIVITIES BY FUND TYPE

9. EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE

10. ANALYSIS OF GRANTS

- 11 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

10. ANALYSIS OF GRANTS (continued)

ANALYSIS OF GRANTS (continued)
The following grant payments were made during the year ended 30 June 2025:
Chasdei Chaim Moishe 11,000
CMZ Ltd 38,500
Friends of Wiznitz Limited 96,000
Lehachzikom UK 29,000
Live and Learn 12,000
Sundry donations < £10,000 31,100
Support the Charity Worker 10,000
The Wineburg Foundation 30,000
UK Friends of Merkaz Hatorah V'Hatefillah Har Nof 12,000
United Talmudical Associates Ltd 30,000
──────────
Total grants 299,600
══════════

11. NET GAINS/(LOSSES) ON INVESTMENTS

11. NET GAINS/(LOSSES) ON INVESTMENTS NET GAINS/(LOSSES) ON INVESTMENTS
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Unrealised gains on investments 671,442 671,442 (341) (341)
══════════
══════════
════ ════
12. INDEPENDENT EXAMINATION FEES
2025 2024
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 2,640 2,640
═══════ ═══════

13. TRUSTEE REMUNERATION AND EXPENSES

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

- 12 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

14. INVESTMENTS

INVESTMENTS
Shares in
Investment group
properties undertakings Total
£ £ £
Cost or valuation
At 1 July 2024 2,000,000 2 2,000,002
Additions 665,019 2 665,021
Fair value movements 671,442 671,442
─────────────
────
─────────────
At 30 June 2025 3,336,461 4 3,336,465
═════════════
════
═════════════
Impairment
At 1 July 2024 and 30 June 2025
════ ═════════════
Carrying amount
At 30 June 2025 3,336,461 4 3,336,465
═════════════
════
═════════════
At 30 June 2024 2,000,000 2 2,000,002
═════════════
════
═════════════

All investments shown above are held at valuation.

Investment properties

No depreciation has been provided in respect of investment properties, applying the fair value model.

The charity carries its investment properties at fair value, with changes in fair value being recognised in income and expenditure account. The trustees revalued the charity's investment properties as at 30 June 2025 using techniques detailed below together with their knowledge of the UK property market.

The charity's investment properties were valued by the trustees based on their experience in the property market and having regard to many factors including the individual nature of each property, its location and expected future net rental values, market yields and comparable market transactions.

The historical cost of the freehold properties is as follows:

2025
£
As at 30 June 2025 2,555,314
As at 30 June 2024 1,890,295

Shares in group undertakings represents 100% of the issued share capital of Dercourt Limited, Dippen Hall Holdings 1 Ltd and Dippen Hall Holdings 2 Ltd. These companies are incorporated in England & Wales, and are dormant and stated at cost.

- 13 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

15. DEBTORS

DEBTORS
2025 2024
£ £
Prepayments and accrued income 1,552
Other debtors 420,242 70,582
────────── ─────────
421,794 70,582
══════════ ═════════
CREDITORS: amounts falling due within one year
2025 2024
£ £
Trade creditors 19,516 8,303
Accruals and deferred income 5,280 6,930
Other creditors 206,239 1,031,277
────────── ─────────────
231,035 1,046,510
══════════ ═════════════
CREDITORS: amounts falling due after more than one year
2025 2024
£ £
Bank loans and overdrafts 2,028,579
═════════════ ════

16. CREDITORS: amounts falling due within one year

17. CREDITORS: amounts falling due after more than one year

Included in bank loans is a United National Bank Limited loan of £2,099,500 which is repayable in March 2030 and interest is charged at 6.1% per annum. The bank loan is secured over the investments of the charity.

18. ANALYSIS OF CHARITABLE FUNDS

Unrestricted funds

At Gains and At
1 July 2024 Income Expenditure losses
30 June 2025
£ £ £ £ £
General funds 1,040,251 155,750 (347,448) 671,442 1,519,995
═════════════ ══════════ ══════════ ══════════ ═════════════
At Gains and At
1 July 2023 Income Expenditure losses 30 June 2024
£ £ £ £ £
General funds 910,216 314,000 (183,624) (341)
1,040,251
══════════ ══════════ ══════════ ════ ═════════════

- 14 -

BEROSA CHARITY LIMITED

COMPANY LIMITED BY GUARANTEE

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 30 JUNE 2025

19. ANALYSIS OF NET ASSETS BETWEEN FUNDS

Unrestricted Total Funds
Funds 2025
£ £
Investments 3,336,465 3,336,465
Current assets 443,144 443,144
Creditors less than 1 year (231,035)
(231,035)
Creditors greater than 1 year (2,028,579)
(2,028,579)
───────────── ─────────────
Net assets 1,519,995 1,519,995
═════════════ ═════════════
Unrestricted Total Funds
Funds 2024
£ £
Investments 2,000,002 2,000,002
Current assets 86,759 86,759
Creditors less than 1 year (1,046,510)
(1,046,510)
Creditors greater than 1 year
───────────── ─────────────
Net assets 1,040,251 1,040,251
═════════════ ═════════════

20. RELATED PARTIES

During the year, donations amounting to £49,500 (2024: £314,000) were received from related parties.

During the year, the charity donated £30,000 (2024: £20,000) to The Wineburg Foundation, a charity with common trustees.

Included in other debtors is £413,660 (2024: £65,000) due from Tagmarsh Charity Limited, a charity with common trustees.

Included in other creditors is £184,929 (2024: £130,303) due to Grademoon Limited, a company in which some of the directors are also trustees and £21,310 (2024: £Nil) due to The Wineburg Foundation, a charity with a common trustee.

21. ACCOUNTING ESTIMATES AND JUDGEMENTS

Revaluation of investment properties

The Company carries its investment properties at fair value, with changes in fair value being recognised in the income and expenditure account. The directors revalued the Company's investment properties as at 30 June 2025 using techniques detailed below together with their knowledge of the UK property market.

Valuation techniques and key inputs

The company's investment properties were valued by the directors based on their experience in the property market and having regard to many factors including the individual nature of each property, its location and expected future net rental values, market yields and comparable market transactions.

- 15 -