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2022-03-31-accounts

REGISTERED CHARITY NUMBER: 295818

Report of the Trustees and

Financial Statements for the Year Ended 31 March 2022

for

Chevras Mo'oz Ladol

Martin+Heller Statutory Auditor 5 North End Road London NW11 7RJ

Chevras Mo'oz Ladol

Contents of the Financial Statements for the Year Ended 31 March 2022

Page
Report of the Trustees 1 to 2
Report of the Independent Auditors 3 to 5
Statement of Financial Activities 6
Balance Sheet 7
Cash Flow Statement 8
Notes to the Cash Flow Statement 9
Notes to the Financial Statements 10 to 16
Detailed Statement of Financial Activities 17

Chevras Mo'oz Ladol

Report of the Trustees for the Year Ended 31 March 2022

The trustees present their report with the financial statements of the charity for the year ended 31 March 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 was formed for the advancement of the orthodox Jewish faith, orthodox Jewish religious education, and the relief of poverty in the orthodox Jewish community.The charity's objects are to support charitable institutions or charitable purposes in any part of the world, and in particular to further religious education of Jewish youth and children and assist, in the relief of poverty, with their physical, mental,spiritual and moral welfare and development.

Public benefit

The trustees confirm their compliance with the duty to have due regard to the Public Benefit guidance published by the Charity Commission when reviewing the Charity's aims and objectives in planning future activities.

ACHIEVEMENT AND PERFORMANCE

During the year the trustees were successful in raising funds, and have applied the funds in grants in furtherance of the charity's objectives.

FINANCIAL REVIEW

During the year, the charity's outgoing resources exceeded the incoming resources.The trustees are satisfied with the results for the year.The trustees do not seek to maintain reserves, other than to ensure that they can continue the activities of the charity.

FUTURE PLANS

There are no current plans to change the activities or modus operandi in the foreseeable future.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

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

Recruitment and appointment of new trustees

There have been averages of 3 trustees throughout the period. Any new appointments are at the recommendation of the board.

Risk management

The trustees have a duty to identify and review the risks to which the charity is exposed and to ensure appropriate controls are in place to provide reasonable assurance against fraud and error.

REFERENCE AND ADMINISTRATIVE DETAILS Registered Charity number

295818

Principal address

34 Heathland Road London N16 5LZ

Trustees

A Barchorin J Baumgarten Y.M Sternlicht

Page 1

Chevras Mo'oz Ladol

Report of the Trustees for the Year Ended 31 March 2022

REFERENCE AND ADMINISTRATIVE DETAILS

Auditors

Martin+Heller Statutory Auditor 5 North End Road London NW11 7RJ

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, the Charities Act 2011, Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed 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 proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed. 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.

Approved by order of the board of trustees on ............................................. and signed on its behalf by:

........................................................................

J Baumgarten - Trustee

Page 2

Report of the Independent Auditors to the Trustees of Chevras Mo'oz Ladol

Opinion

We have audited the financial statements of Chevras Mo'oz Ladol (the 'charity') for the year ended 31 March 2022 which comprise the Statement of Financial Activities, the Balance Sheet, the Cash Flow Statement and notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC's Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

Other information

The trustees are responsible for the other information. The other information comprises the information included in the Annual Report, other than the financial statements and our Report of the Independent Auditors thereon.

Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.

Matters on which we are required to report by exception

We have nothing to report in respect of the following matters where the Charities (Accounts and Reports) Regulations 2008 requires us to report to you if, in our opinion:

Page 3

Report of the Independent Auditors to the Trustees of Chevras Mo'oz Ladol

Responsibilities of trustees

As explained more fully in the Statement of Trustees' Responsibilities, the trustees are responsible for the preparation of the financial statements which give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

Our responsibilities for the audit of the financial statements

We have been appointed as auditors under Section 144 of the Charities Act 2011 and report in accordance with the Act and relevant regulations made or having effect thereunder.

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue a Report of the Independent Auditors that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

-Our audit procedures were designed to identify and assess risks of material misstatement in the financial statements, whether due to fraud or error. The risk of not detecting a material misstatement due to fraud is higher than the risk of not detecting one resulting from error, as fraud may involve collusion, forgery, omissions, misrepresentations, or management override of controls. We communicated identified laws and regulations and potential fraud risks to all engagement team members and remained alert to any indications of fraud or non-compliance with laws and regulations throughout the audit. The engagement partner considers the engagement team collectively had the appropriate competence and capabilities to identify or recognize non-compliance with laws and regulations.

-There are inherent limitations in the audit procedures described above and the further removed non-compliance with laws and regulations is from the events and transactions reflected in the financial statements, the less likely we would become aware of it. Also, the risk of not detecting a material misstatement due to fraud is higher than the risk of not detecting one from error, as fraud may involve deliberate concealment by, for example, forgery or intentional misrepresentation, or through collusion. Our responsibility is to conclude whether the financial statements represent the underlying financial position and activities of the charity and to ensure that the overall content and presentation of the financial statements gives a fair view.

Page 4

Report of the Independent Auditors to the Trustees of Chevras Mo'oz Ladol

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at www.frc.org.uk/auditorsresponsibilities. This description forms part of our Report of the Independent Auditors.

Use of our report

This report is made solely to the charity's trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. Our audit work has been undertaken so that we might state to the charity's trustees those matters we are required to state to them in an auditors' report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity's trustees as a body, for our audit work, for this report, or for the opinions we have formed.

Martin+Heller Statutory Auditor 5 North End Road London NW11 7RJ

Date: .............................................

Page 5

Chevras Mo'oz Ladol

Statement of Financial Activities for the Year Ended 31 March 2022

Unrestricted
fund
Notes
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
7,550,272
Investment income
3
4
Total
7,550,276
EXPENDITURE ON
Charitable activities
4
Donations
7,573,420
Charitable activities
-
Other
29,957
Total
7,603,377
NET INCOME/(EXPENDITURE)
(53,101)
RECONCILIATION OF FUNDS
Total funds brought forward
142,400
TOTAL FUNDS CARRIED FORWARD
89,299
Restricted
fund
£
-
-
-
-
-
-
-
-
-
-
31.3.22
Total
funds
£
7,550,272
4
7,550,276
7,573,420
-
29,957
7,603,377
(53,101)
142,400
89,299
31.3.21
Total
funds
£
6,995,861
3
6,995,864
6,872,945
103,260
19,509
6,995,714
150
142,250
142,400

The notes form part of these financial statements

Page 6

Chevras Mo'oz Ladol

Balance Sheet 31 March 2022

Unrestricted
Restricted
fund
fund
Notes
£
£
FIXED ASSETS
Investments
10
82,007
-
CURRENT ASSETS
Debtors
11
92,256
-
Cash at bank
243,032
-
335,288
-
CREDITORS
Amounts falling due within one year
12
(327,996)
-
NET CURRENT ASSETS
7,292
-
TOTAL ASSETS LESS CURRENT
LIABILITIES
89,299
-
NET ASSETS
89,299
-
FUNDS
13
Unrestricted funds
TOTAL FUNDS
31.3.22
Total
funds
£
82,007
92,256
243,032
335,288
(327,996)
7,292
89,299
89,299
89,299
89,299
31.3.21
Total
funds
£
82,007
11,501
246,288
257,789
(197,396)
60,393
142,400
142,400
142,400
142,400

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

............................................. J Baumgarten - Trustee

The notes form part of these financial statements

Page 7

Chevras Mo'oz Ladol

Cash Flow Statement for the Year Ended 31 March 2022

Notes
Cash flows from operating activities
Cash generated from operations
1
Net cash used in operating activities
Cash flows from investing activities
Interest received
Net cash provided by investing activities
Change in cash and cash equivalents in
the reporting period
Cash and cash equivalents at the
beginning of the reporting period
Cash and cash equivalents at the end of
the reporting period
31.3.22
£
(3,260)
(3,260)
4
4
(3,256)
246,288
243,032
31.3.21
£
(50,873)
(50,873)
3
3
(50,870)
297,158
246,288

The notes form part of these financial statements

Page 8

Chevras Mo'oz Ladol

Notes to the Cash Flow Statement for the Year Ended 31 March 2022

1.
RECONCILIATION OF NET (EXPENDITURE)/INCOME TO NET CASH FLOW FROM
OPERATING ACTIVITIES
31.3.22
£
Net (expenditure)/income for the reporting period (as per the
Statement of Financial Activities)
(53,101)
Adjustments for:
Interest received
(4)
Increase in debtors
(80,755)
Increase/(decrease) in creditors
130,600
Net cash used in operations
(3,260)
31.3.21
£
150
(3)
(2,548)
(48,472)
(50,873)

2. ANALYSIS OF CHANGES IN NET FUNDS

At 1/4/21 Cash flow At 31/3/22
£ £ £
Net cash
Cash at bank 246,288 (3,256) 243,032
246,288 (3,256) 243,032
Total 246,288 (3,256) 243,032

The notes form part of these financial statements

Page 9

Chevras Mo'oz Ladol

Notes to the Financial Statements for the Year Ended 31 March 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.

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.

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. DONATIONS AND LEGACIES

DONATIONS AND LEGACIES
31.3.22 31.3.21
£ £
Donations 7,550,272 6,995,861

continued...

Page 10

Chevras Mo'oz Ladol

Notes to the Financial Statements - continued for the Year Ended 31 March 2022

3.
INVESTMENT INCOME
Deposit account interest
4.
CHARITABLE ACTIVITIES COSTS
Donations
5.
GRANTS PAYABLE
Donations
Charitable activities
The total grants paid to institutions during the year was as follows:
Unrestricted
31.3.22
£
4
31.3.22
£
7,573,420
-
7,573,420
31.3.22
£
6,835,811
31.3.21
£
3
Grant
funding of
activities
(see note
5)
£
7,573,420
31.3.21
£
6,872,945
103,260
6,976,205
31.3.21
£
6,283,294

continued...

Page 11

Chevras Mo'oz Ladol

Notes to the Financial Statements - continued for the Year Ended 31 March 2022

5. GRANTS PAYABLE - continued

AHAVAS CHESED BEERETZ HAKODESH 63,036
AREIVIM UK LTD 35,286
BAIT LIMUD VCHESED 24,373
BEIS HATAVSHIL - BNEI BRAK 43,176
CHAIM VECHESED 3,489,892
CHASDI YAAKOV BEIS SHEMESH 460,885
CHOCHMAT YAAKOV BET SHEMESH 29,309
CLAPTON SUPPORT AND ADVICE 22,000
DIBROT MORDECHAI 102,854
EZER LEYOLDOS LTD 43,090
HATZOLA TRUST 25,000
JAY EDUCATION TRUST 30,000
KEHAL CHASIDEI YERUSHOLAYIM 40,253
KEREN EZRA MIMTZIKA 35,257
KOLLEL BEIN HAZMANIM CHAFZIVA 45,295
KOLLEL EYUN 22,079
KOLLEL SANZ LELUMID YORA DYEA 24,500
MACHON TORANI IBRA DEDASHA 27,856
MERCHAZ HAZOT 29,207
MERCAZ TORONI CHINICHI DECASIDEI BOBOV 31,567
MESAMCHE LEV 69,484
MIFAL TZDAKA VACHESED YOEL MOSHE 44,452
MORESHET HATORAH LTD 65,576
MOSDOS RIDNIK SANZ 31,410
OHEL SARA UBEER MIRIAM 1,098,005
OHR SHOLOM 21,565
PEDUT VEHATZALA 120,453
PINSK KARLIN 50,663
RNH SYN & COLLEL 60,000
YAD ELIEZER 81,844
YESHIVAT REB AMRAM CHASIDA 35,944
ZDKAS RAMU 20,793
Other Donations < £20,000 510,707
6,835,811

continued...

Page 12

Chevras Mo'oz Ladol

Notes to the Financial Statements - continued for the Year Ended 31 March 2022

6. SUPPORT COSTS

SUPPORT COSTS
Governance
costs
£
Other resources expended 29,957

7. TRUSTEES' REMUNERATION AND BENEFITS

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

Trustees' expenses

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

8. STAFF COSTS

STAFF COSTS
Wages and salaries
The average monthly number of employees during the year was as follows:
Administration
31.3.22
£
18,540
18,540
31.3.22
2
31.3.21
£
12,766
12,766
31.3.21
2

No employees received emoluments in excess of £60,000.

The average number of employees during the year, calculated on the basis of full-time equivalents, was less than one.

9. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

Unrestricted
fund
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
6,995,861
Investment income
3
Total
6,995,864
EXPENDITURE ON
Charitable activities
Donations
6,872,945
Charitable activities
103,260
Other
19,509
Total
6,995,714
Restricted
fund
£
-
-
-
-
-
-
-
Total
funds
£
6,995,861
3
6,995,864
6,872,945
103,260
19,509
6,995,714

continued...

Page 13

Chevras Mo'oz Ladol

Notes to the Financial Statements - continued for the Year Ended 31 March 2022

9.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -
Unrestricted
fund
£
NET INCOME
150
RECONCILIATION OF FUNDS
Total funds brought forward
142,250
TOTAL FUNDS CARRIED FORWARD
142,400
10.
FIXED ASSET INVESTMENTS
MARKET VALUE
At 1 April 2021 and 31 March 2022
NET BOOK VALUE
At 31 March 2022
At 31 March 2021
continued
Restricted
Total
fund
funds
£
£
-
150
-
142,250
-
142,400
Unlisted
investments
£
82,007
82,007
82,007
Total
funds
£
150
142,250
142,400

.

The trustees have considered the valuation of the investment at the date of the balance sheet. By the nature of the life policy, the value is actuarially determined, as was done at the time of the purchase of the investment in 2008.

The trustees have taken advice as to whether the valuation has changed in the year under review. The health of the life assured has not deteriorated in the year, and therefore it is considered unlikely that there has been any material uplift in valuation from the original cost. Although there is very little current resale activity in such policies due to general market conditions, the trustees are advised that as the maturity is simply a question of time, and the trustees have no intention of realising the investment before maturity, there are no grounds for any material revaluation to reduce the value of the investment at the present time.

11. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

Other debtors
Prepayments and accrued income
31.3.22
£
91,928
328
92,256
31.3.21
£
11,173
328
11,501

continued...

Page 14

Chevras Mo'oz Ladol

Notes to the Financial Statements - continued for the Year Ended 31 March 2022

12. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

Trade creditors
Other creditors
13.
MOVEMENT IN FUNDS
Unrestricted funds
General fund
TOTAL FUNDS
Net movement in funds, included in the above are as follows:
Unrestricted funds
General fund
TOTAL FUNDS
Comparatives for movement in funds
Unrestricted funds
General fund
TOTAL FUNDS
At 1/4/21
£
142,400
142,400
Incoming
resources
£
7,550,276
7,550,276
At 1/4/20
£
142,250
142,250
31.3.22
£
600
327,396
327,996
Net
movement
in funds
£
(53,101)
(53,101)
Resources
expended
£
(7,603,377 )
(7,603,377 )
Net
movement
in funds
£
150
150
31.3.21
£
-
197,396
197,396
At 31/3/22
£
89,299
89,299
Movement
in funds
£
(53,101)
(53,101)
At 31/3/21
£
142,400
142,400

Page 15

continued...

Chevras Mo'oz Ladol

Notes to the Financial Statements - continued for the Year Ended 31 March 2022

13. MOVEMENT IN FUNDS - continued

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

Unrestricted funds
General fund
TOTAL FUNDS
Incoming
resources
£
6,995,864
6,995,864
Resources
expended
£
(6,995,714 )
(6,995,714 )
Movement
in funds
£
150
150

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

Net
movement
At 1/4/20 in funds At 31/3/22
£ £ £
Unrestricted funds
General fund 142,250 (52,951) 89,299
TOTAL FUNDS 142,250 (52,951) 89,299

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

Unrestricted funds
General fund
TOTAL FUNDS
Incoming
Resources
resources
expended
£
£
14,546,140
(14,599,091 )
14,546,140
(14,599,091 )
Movement
in funds
£
(52,951
(52,951

14. RELATED PARTY DISCLOSURES

J Baumgarten is also trustee of Moreshet Hatorah Limited and Belz Foundation Limited.

During the year, donations totalling £65,576 were paid to Moreshet Hatorah Limited and donations totalling £10,437 were received from Belz Foundation Limited.

Included in donations to individuals are several amounts totalling £20,400 paid to close relatives of a trustee. In this matter, the trustee concerned did not take part in the application process or the trustees' discussions in the approval and continuation of the grants.

Included in other creditors is £5,000 owing to Moreshet Hatorah Ltd (2021: £5,000).

Page 16

Chevras Mo'oz Ladol

Detailed Statement of Financial Activities for the Year Ended 31 March 2022

INCOME AND ENDOWMENTS
Donations and legacies
Donations
Investment income
Deposit account interest
Total incoming resources
EXPENDITURE
Charitable activities
Grants to institutions
Grants to individuals
Support costs
Governance costs
Wages
Auditors' remuneration
Sundries
Accountancy
Rent
General administration
Bank charges
Exchange gain/loss
Total resources expended
Net (expenditure)/income
31.3.22
£
7,550,272
4
7,550,276
6,835,811
737,609
7,573,420
18,540
1,200
-
-
2,600
1,585
2,220
3,812
29,957
7,603,377
(53,101)
31.3.21
£
6,995,861
3
6,995,864
6,386,554
589,651
6,976,205
12,766
1,200
534
(800)
2,600
818
2,380
11
19,509
6,995,714
150

This page does not form part of the statutory financial statements

Page 17