## **Building a Place Where Girls Belong**
**BJNW Annual Report 2025 Charity No. 293460**
## Welcome Inside
## **The Front Door**
**Trustees’ Foreword**
**P.3**
**Report of the Trustees**
**- P.4 P.15**
**Trustees’ Review**
**- P.16 P.17**
**Independent Examiner’s Report Statement of Financial Activities**
**P.18**
**P.19**
**Balance Sheet P.20**
**Notes to the Financial Statements - P.21 P.26**
**Detailed Statement of Financial Activities**
## Trustees’ Foreword
## **Dear Supporters & Community Members**
This year has been one of both progress and responsibility for BJNW. Alongside delivering a full programme of enriching activities for over 850 girls ~~aged 6 to 16, we have focused~~ on strengthening the foundations that allow this work to continue — safely, sustainably and with integrity.
At the heart of BJNW is BJ House at 173 Golders Green Road: a much-loved home where girls discover talents, build confidence, form friendships and spend their leisure time within a safe, culturally appropriate framework. Yet this cherished building now requires urgent refurbishment to meet growing demand, strengthen security and support future expansion.
Although the charity’s assets include the value of BJ House, these funds are tied up in the property and are not available for refurbishment, compliance, development or day-to-day growth. To secure BJNW’s long-term future, a new Charitable Incorporated Organisation has been established, enabling appropriate finance while ensuring continuity of purpose, governance and service delivery.
In today’s climate, creating a safe haven for Jewish girls is more important than ever. Throughout this transition, BJNW’s work has continued uninterrupted — providing safety, belonging and joy in a trusted environment where girls can thrive.
We are deeply grateful to our trustees, funders, ambassadors, volunteers and youth leaders for the trust they place in BJNW. Your support helps ensure that this house stands strong — now and for the years ahead.
**“** _Open the door wider. Make room for more girls._
- **Mrs L. Finiasz** _Trustee, Beth Jacob Foundation_
**P.27**
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## **“** _A place to arrive just as you are and feel_ ~~_you belong_~~
## Who We Serve & Why It Matters **The Entrance Hall**
BJNW supports girls aged 6–16, offering consistent, structured opportunities for connection, growth and joy. For many, BJNW is more than an activity programme — it is a place to arrive, to feel steady, and to belong during formative years.
Girls arrive with different experiences and needs. Some are confident and curious; others are navigating social, emotional or environmental challenges. BJNW provides a welcoming place where every girl is met with care, encouragement and respect — a space where she can feel safe, valued and able to grow at her own pace.
Rooted in the local community and shaped by cultural sensitivity, our programmes are designed to promote wellbeing, belonging and positive development, particularly for girls who benefit from additional support.
## **Belonging**
Feeling seen, included and connected.
## **Nurture**
Care, kindness and positive role models.
## **Joyfulness**
Creating memories through shared experiences.
## **Wellness**
Supporting physical and emotional wellbeing.
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## What We Do **The Rooms of the House**
**Stars in the**
**Spotlight** Music, drama and dance productions (600+ participants).
BJNW delivers a wide range of activities throughout the year, combining fun, creativity and personal development. Together, these programmes form the different “rooms” of BJNW — each offering something distinct, while contributing to a shared sense of belonging.
## **Friendship Circles**
Weekly Shabbos and group sessions offering consistency, connection and emotional support (42 weeks a year).
## **Summer Camps**
Residential and local camps reaching 110+ girls annually.
## **Kindness Clubs**
## **Teen Talk Magazine**
Kindness initiatives delivered in partnership with ‘Care & Share’, including cooking for needy families.
Monthly publication written and produced by participants.
**Convention (Yrs 10 & 11)** European weekend-away experience for older teens.
## **Fit Futures**
## **Pathways to Possibilities**
Inclusive sports and fitness for girls excluded from mainstream provision (250 girls).
After-school courses building creative, academic and life skills (180 girls).
## **Inspiration Events**
## **Teen**
Including seasonal programmes and pre-holiday carnivals.
## **Programmes**
Themed evenings and group activities.
**“** _My daughter felt inspired by her leaders, who were such ositive role models. p_
_— Mrs S., Parent, Summer Camp_
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## Impact at a Glan ~~ce~~
## **The Strong Walls**
## **What Girls Gain**
## **Belonging**
Friendships and social confidence
**Nurture** Positive role models and support.
**Joyfulness** Creativity, teamwork and self expression
**Wellness** Confidence and emotional wellbeing
**“**
_The best part is knowing there are girls here who are happy to see me. — Participant,_
_— Participant, Teen Weekend_
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## Voices from ~~the House~~
## **Finding Her Place** Naomi’s Story (Age 13)
## **In their own words**
When Naomi joined BJNW, school felt challenging both academically and socially. She often struggled to feel comfortable among her peers and found it hard to engage in traditional classroom settings.
_— Dance Club Participant_
At BJNW, Naomi was able to settle into a small, consistent Friendship Circle where sessions were predictable, supportive and pressure-free. This regularity helped her build trust and begin forming friendships at her own pace.
**“ “ “**
_The camp atmosphere was wholesome, joyful and incredibly nurturing. The girls were_ _**noticed and valued.**_
_Thank you for making me realise how much_ _**I have inside.**_
_This is the place where I feel_ _**happy, confident** and part of something._
_— Tehila S. Dance Club Participant_
_— Mrs L. Parent, Summer Camp_
_— Ayala H. Participant, Teen_
Through the Fit Futures programme, Naomi discovered that physical activity gave her confidence without academic pressure. Over time, she chose to take part in Stars in the Spotlight, rehearsing and performing as part of a large group production.
Today, BJNW is a steady part of Naomi’s week — a place where she feels supported, capable and included.
10 | BJNW Annual Report 2025
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## Safety, People Thank You & Trus ~~t~~
## **For Helping Girls Feel At Home**
## **Keeping the House Safe**
We are grateful for the support of schools, community partners and funders who make our work possible, including:
## **A Safe Space for Girls**
Safeguarding is central to everything we do. All staff and volunteers are DBS-checked and trained, with robust safeguarding policies fully in place.
**DBS** SAFEGUARDING CLEAR **CHECKED** TRAINING PROCEDURES
## **Our Team**
## **Mrs. Lindy Finiasz**
_Treasurer & Senior Activities Coordinator_
## **Mr. Eli Krausz**
_Trustee_
**Mr Robert Vorhand** _Trustee_
**Mr. Moshe Duvid Berkowitz** _Trustee_
## **Mrs Chani Hager**
_Trustee_
**Mrs. Sarah Simmonds** _Safeguarding Trustee_
## **Mrs. Henna Kaufman**
_Trustee_
**“** _You’re not funding walls. You’re backing what happens within them._
12 | BJNW Annual Report 2025
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## Make Room for More
## **Proposed Layout**
Improved facilities will increase capacity, strengthen safeguarding and create room for learning, creativity, fitness and wellbeing.
**----- Start of picture text -----**
GROUND FLOOR
**----- End of picture text -----**
## **The coming year marks a pivotal moment for BJNW.**
Our priority is the refurbishment and expansion of our home at 173 Golders Green, enabling us to welcome more girls into safe, high-quality programmes.
**----- Start of picture text -----**
Today 2026/27
**----- End of picture text -----**
**----- Start of picture text -----**
LOBBY
MAIN
ACTIVITY
KITCHEN
ROOM COAT
ROOM
ICT ROOM FITNESS ROOM KITCHEN
FIRST FLOOR LOFT FLOOR
ROOM 1 ROOM 4
**----- End of picture text -----**
## **Our Priorities**
**Secure our Grow our Keep Welcome Future Home Going More Girls** Complete the Renovate and Continue Expand access transfer to the extend the programmes so more girls CIO and secure premises to without can benefit refurbishment increase capacity interruption funding
**“** _This investment in our building is an investment in irls’ futures. g_
14 | BJNW Annual Report 2025
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## Trustees’ Review
activities has thus far covered the respective costs. However, there has been an explosion in demand for the services of the charity and in order to continue to meet demand, as well as expand the reach of the charity, the trustees are striving to build reserves and improve cash flow.
## **OBJECTIVES AND ACTIVITIES**
## **FUTURE PLANS**
## **Objectives & Aims**
The charity’s objects (“objects”) are specifically restricted to the following:
- The advancement of the Jewish religion amongst Jewish girls in accordance with the orthodox tenets thereof.
- The advancement of education among Jewish girls including through the provision of classes, seminars andafter-school and holiday activities.
- The provision of recreational and leisure time activities for Jewish girls with the object of improving their conditionsof life and enabling them to participate in society as mature and responsible individuals
## **Public benefit**
The Trustees confirm their compliance with the duty to have due regard to the Public Benefit guidance publishedby theCharity Commission when reviewing the charity’s aims and objectives and in planning future activities.
1. BJ Foundation are planning to enter into capital refurbishment costs and will only undertake this if adequate funds are secured including a mortgage with a plan of payment.
2. Additionally, any activity undertaken will only be carried out if there are adequate funds.
3. We are volunteer led and have minimal overheads.
## **STRUCTURE, GOVERNANCE AND MANAGEMENT**
## **Governing document**
The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.
BJ Foundation has now been registered as a CIO - Charity Number 1213252 and will commence being active from 1st October 2026 and all assets and liabilities will be transferred as per the asset transfer agreement. All areas that hadto beundertaking including the Land Registry have been dealt with and approved.
## **ACHIEVEMENTS AND PERFORMANCE**
## **Risk management**
## **Achievements to Date:**
1. Membership Growth: We have increased our membership by 10%, now proudly serving over 850 members.
The trustees have identified and reviewed the major risks to which the charity is exposed. Both manual and automatedchecks are regularly invoked, particularly those relating to the operations and finance of the charity. The trustees aresatisfied that these systems and procedures mitigate any perceived risks.
2. Expanded Activities: Our expanded activity roster now includes weekly meetings, drama productions, a summer
3. Residential Camp, Sleepaway Weekends, Zumba, art, gym, swimming, and hairdressing. All activities were well attended and covered costs.
4. Pantomimes Participation: We provided over 600 girls the opportunity to participate in our pantomimes, tailored fordifferent age groups.
5. Holiday Playschemes: We successfully offered two engaging holiday playschemes
## **Our Goals for This Fiscal Year:**
1. Grow our membership base
2. Increase and enhance the activities provided for our members
3. Improve efficiency in communication with our membership base
4. Conduct preliminary research to effectively raise additional funds needed for our main asset’s refurbishment
5. Draw up plans for future building project.
## **FINANCIAL REVIEW**
## **ADMINISTRATIVE DETAILS**
## **Trustees**
Mrs C Hager Mrs L Finiasz Mrs H Kaufman E Kraus R Vorhand
## **Independent Examiner**
A Heller FCA London Accounting Group Ltd 5 North End Road London NW11 7RJ
Approved by order of the board of trustees on 8th June 2026 and signed on its behalf by:
## **Reserves Policy**
The Trustees are working towards building free reserves of at least 3 months’ operating costs in order to protect services and to ensure adequate cash flow for the organisation’s needs. The charity does not have any major overheads, nomortgage or rent as it owns the premises, and no staff costs as all activities are run by volunteers. The funds are raisedfor each activity as and when necessary and income from charitable
**Mrs L Finiasz** Trustee
16 | BJNW Annual Report 2025
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**for the Year Ended 30 September 2025**
## Examiner’s Report
## **Independent examiner’s report to the trustees of Beth Jacob Foundation**
I report to the charity trustees on my examination of the accounts of Beth Jacob Foundation (the Trust) for the yearended 30 September 2025.
## **Responsibilities and basis of report**
As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with therequirements 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) ofthe Act.
## **Independent examiner’s statement**
Since your charity’s gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirmthat I am qualified to undertake the examination because I am a member of the Institute of Chartered Accountants in England and Wales, which is one of the listed bodies.
I have completed my examination. I confirm that no material matters have come to my attention in connection with theexamination 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
3. 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 atrue 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 shouldbe drawn in this report in order to enable a proper understanding of the accounts to be reached.
## **A Heller FCA**
London Accounting Group Ltd 5 North End Road London NW11 7RJ
## Statement of Financial Activities
|**Notes**
**INCOME AND ENDOWMENTS FROM**
Donations and legacies
**Charitable activities**
Youth activties
Other income
**Total**
**EXPENDITURE ON**
Raising funds
**Charitable activities**
Youth activties
Other
**Total**
**NET INCOME**
**RECONCILIATION OF FUNDS**
Total funds brought forward
**TOTAL FUNDS CARRIED FORWARD**|**Unrestricted**
**Funds**
**£**
248,549
90,551
18,378
357,478
76,325
236,844
31,884
345,053
12,425
1,348,083
1,360,508|**Restricted**
**Funds**
**£**
-
36,000
-
36,000
-
22,727
-
22,727
13,273
61,692
74,965|**30.9.25**
**Total**
**Funds**
**£**
248,549
126,551
18,378
393,478
76,325
259,571
31,884
367,780
25,698
1,409,775
1,435,473|**30.09.24**
**Total**
**Funds**
**£**
311,302
70,415
10,601|
|---|---|---|---|---|
|||||392,318|
|||||39,512
227,093
36,683|
|||||303,288|
|||||89,030
1,320,745|
|||||1,409,775|
Date: 8th June 2026
The notes form part of these financial statements
18 | BJNW Annual Report 2025
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**for the Year Ended 30 September 2025**
**for the Year Ended 30 September 2025**
## Balance Sheet
|**Notes**
**FIXED ASSETS**
Tangible assets
4
**CURRENT ASSETS**
Cash at bank
**CREDITORS**
Amounts falling due within one year
5
**NET CURRENT ASSETS**
**TOTAL ASSETS LESS CURRENT**
**LIABILITIES**
**NET ASSETS**
**FUNDS**
6
Unrestricted funds
Restricted funds
**TOTAL FUNDS**|**Unrestricted**
**Funds**
**£**
1,301,198
67,170
(7,860)
59,310
1,360,508
1,360,508|**Restricted**
**Funds**
**£**
-
74,965
-
74,965
74,965
74,965|**30.9.25**
**Total**
**Funds**
**£**
1,301,198
142,135
(7,860)
134,275
1,435,473
1,435,473
1,360,508
74,965
1,435,473|**30.09.24**
**Total**
**Funds**
**£**
1,301,198
116,137
(7,560)|
|---|---|---|---|---|
|||||108,577|
|||||1,409,775|
|||||1,409,775|
|||||1,348,083
61,692|
|||||1,409,775|
The financial statements were approved by the Board of Trustees and authorised for issue on 8th June 2026 and were signed on its behalf by:
**Mrs L Finiasz** Trustee
## Notes to the Financial Statements
## **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 inaccordance 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 UKand Republic ofIreland’ and the Charities Act 2011. The financial statements have been prepared under the historical cost convention.
## **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 thecharity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement andthe amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and hasbeen classified under headings that aggregate all cost related to the category. Where costs cannot be directlyattributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.
Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.
## **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.
## **2. TRUSTEES’ REMUNERATION AND BENEFITS**
There were no trustees’ remuneration or other benefits for the year ended 30 September 2025 nor for the year ended 30 September 2024.
## **Trustees’ expenses**
There were no trustees’ expenses paid for the year ended 30 September 2025 nor for the year ended 30 September 2024.
The notes form part of these financial statements
20 | BJNW Annual Report 2025
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**for the Year Ended 30 September 2025 (CONTINUED)**
## Notes to the Financial Statements
## Notes to the Financial Statements
**for the Year Ended 30 September 2025 (CONTINUED)**
## **3. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES**
|**INCOME AND ENDOWMENTS FROM**
Donations and legacies
**Charitable activities**
Youth activties
Other income
**Total**
**EXPENDITURE ON**
Raising funds
**Charitable activities**
Youth activties
Other
**Total**
**NET INCOME**
**RECONCILIATION OF FUND**
Total funds brought forward
**TOTAL FUNDS CARRIED FORWARD**|**Unrestricted**
**Funds**
**£**
203,876
70,415
10,601
284,892
-
227,093
28,212
255,305
29,587
1,318,496
1,348,083|**Restricted**
**Funds**
**£**
107,426
-
-
107,426
39,512
-
8,471
47,983
59,443
2,249
61,692|**Total**
**Funds**
**£**
311,302
70,415
10,601|
|---|---|---|---|
||||392,318|
||||39,512
227,093
36,683|
||||303,288|
||||89,030
1,320,745|
||||1,409,775|
## **4. TANGIBLE FIXED ASSETS**
|||**Freehold**|
|---|---|---|
|||**Property**|
|||**£**|
|**COST**|||
|At 1 October 2024 and 30 September 2025||1,301,198|
|**NET BOOK VALUE**|||
|At 30 September 2025||1,301,198|
|At 30 September 2024||1,301,198|
|angible fxed assets comprises the property at 173 Golders Green Road, known as BJ House, where the|||
|ctivities of the charity take place. This property is very dilapidated and in urgent need of repair||and expansion|
|n order to fully comply with current legislation, as well as to cope with the huge increase in need as the|||
|harity continues to grow exponentially. The trustees are working on raising much-needed funds for the
efurbishment of BJ House.|||
|**REDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR**|||
||**30.9.25**|**30.9.24**|
||**£**|**£**|
|Other creditors|7,860|7,560|
Tangible fixed assets comprises the property at 173 Golders Green Road, known as BJ House, where the activities of the charity take place. This property is very dilapidated and in urgent need of repair and expansion in order to fully comply with current legislation, as well as to cope with the huge increase in need as the charity continues to grow exponentially. The trustees are working on raising much-needed funds for the refurbishment of BJ House.
## **5. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR**
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**for the Year Ended 30 September 2025 (CONTINUED)**
## Notes to the Financial Statements
## Notes to the Financial Statements
**for the Year Ended 30 September 2025 (CONTINUED)**
## **6. MOVEMENT IN FUNDS**
|**Unrestricted funds**
General fund
**Restricted funds**
Restricted fund
**TOTAL FUNDS**
Net movement in funds, included in the above are as follows:
**Unrestricted funds**
General fund
**Restricted funds**
Restricted fund
**TOTAL FUNDS**
Comparatives for movement in funds:
**Unrestricted funds**
General fund
**Restricted funds**
Restricted fund
**TOTAL FUNDS**|**At 1/10/24**
**£**
1,348,083
61,692
1,409,775
**Incoming**
**resources**
**£**
357,478
36,000
393,478
**At 1/10/23**
**£**
1,318,496
2,249
1,320,745|**Net**
**movement**
**in funds**
**£**
12,425
13,273
25,698
**Resources**
**expended**
**£**
(345,053 )
(22,727)
(367,780)
**Net**
**movement in**
**funds**
**£**
29,587
59,443
89,030|**At 30/9/25**
**£**
1,360,508
74,965|
|---|---|---|---|
||||1,435,473|
||||**Movement**
**in funds**
**£**
12,425
13,273|
||||25,698|
||||**At 30/9/24**
**£**
1,348,083
61,692
1,409,775|
## **6. MOVEMENT IN FUNDS (continued)**
Net movement in funds, included in the above are as follows:
|**Unrestricted funds**
General fund
**Restricted funds**
Restricted fund
**TOTAL FUNDS**|**Incoming**
**resources**
**£**
284,892
107,426
392,318|**Resources**
**expended**
**£**
(255,305 )
(47,983)
(303,288)|**Movement**
**in funds**
**£**
29,587
59,443|
|---|---|---|---|
||||89,030|
A current year 12 months and prior year 12 months combined position is as follows:
|**At 1/10/23**
**£**
**Unrestricted funds**
General fund
1,318,496
**Restricted funds**
Restricted fund
2,249
**TOTAL FUNDS**
1,320,745
A current year 12 months and prior year 12 months combined net movement in
areas follows:
**Incoming**
**resources**
**£**
**Unrestricted funds**
General fund
642,370
**Restricted funds**
Restricted fund
143,426
**TOTAL FUNDS**
785,796|**Net**
**movement in**
**funds**
**£**
42,012
72,716
114,728
funds, included
**Resources**
**expended**
**£**
(600,358 )
(70,710)
(671,068)|**At 30/9/24**
**£**
1,360,508
74,965|
|---|---|---|
|||1,435,473|
|||in the above
**Movement**
**in funds**
**£**
42,012
72,716|
|||114,728|
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BJNW Annual Report 2025 | 25
## Notes to the Financial Statements
## **for the Year Ended 30 September 2025 (CONTINUED)**
## **7. UNRESTRICTED FUNDS**
Included in unrestricted funds is a donated property held at its full value of £1.3m. While classified as unrestricted, the asset is not liquid and therefore not readily available to fund the charity’s activities.
## **8. RELATED PARTY DISCLOSURES**
During the year the charity reimbursed expenses totalling £397 to one of the trustees.
## Detailed Statement of Financial Activities
## **for the Year Ended 30 September 2025 (CONTINUED)**
|**INCOME AND ENDOWMENTS**
**Donations and legacies**
Donations
**Charitable activities**
Youth activities
**Other income**
Hall rent
**Total incoming resources**
**EXPENDITURE**
**Raising donations and legacies**
Fundraising costs
**Charitable activities**
Camp Yashar
Teen Talk
Pantomimes
Convention costs
Friendship Circles
Youth activities cost
**Support costs**
**Finance**
Bank charges
**Other**
Rates and water
Insurance
Light and heat
Repairs
Telephone, PPS & sundry
Advertising
**Governance costs**
Accountancy
Total resources expended
**Net income**|**30.9.25**
**£**
248,549
126,551
18,378
393,478
76,325
128,386
6,654
47,994
16,268
15,018
42,040
256,360
262
3,356
2,141
4,497
3,211
11,920
8,208
33,333
1,500
367,780
25,698|**30.9.24**
**£**
311,302
70,415
10,601|
|---|---|---|
|||392,318
39,512
122,933
14,381
35,996
13,428
29,914
10,441|
|||227,093
318
2,102
2,181
6,848
4,018
11,545
8,471|
|||35,165
1,200|
|||303,288|
|||89,030|
This page does not form part of the statutory financial statements
26 | BJNW Annual Report 2025
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## **More girls are waiting. Help build the space for them.**
**Beth Jacob Foundation** Charity Number: 293460
**bjnw.co.uk office@bjnw.co.uk 40 Ravenscroft Avenue, London NW11 8AU**