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2021-04-05-accounts

CHARITY REGISTRATION NUMBER: 327846

THORNE LODGE CHARITABLE TRUST UNAUDITED FINANCIAL STATEMENTS

5 APRIL 2021

COHEN ARNOLD

Chartered Accountants New Burlington House 1075 Finchley Road LONDON NW11 0PU

THORNE LODGE CHARITABLE TRUST

FINANCIAL STATEMENTS

YEAR ENDED 5 APRIL 2021

PAGES
Trustees' Annual Report 1 to 3
Independent Examiner's Report to the Trustees 4
Statement of Financial Activities 5
Statement of Financial Position 6
Notes to the Financial Statements 7 to 12

THORNE LODGE CHARITABLE TRUST

TRUSTEES' ANNUAL REPORT

YEAR ENDED 5 APRIL 2021

The trustees present their report and the unaudited financial statements of the charity for the year ended 5 April 2021.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered charity name Thorne Lodge Charitable Trust Charity registration number 327846 Principal office 41 Norrice Lea Hampstead Garden Suburb London N2 0RD THE TRUSTEES A Selby R D Selby P H Selby E H Isaacson Z R Brooks

INDEPENDENT EXAMINER Dov Harris FCA

STRUCTURE, GOVERNANCE AND MANAGEMENT

The charitable trust was established by the Trust Deed dated 26 May 1988 and is an unincorporated charity registered with the Charity Commission (Registration no. 327846).

The day to day affairs of the charity are administered by the trustees.

The trustees were all appointed upon the formation of the charity. Future trustees will be recruited, appointed and trained by the existing trustees as they deem reasonable in furthering the charitable trust's objectives.

The investment powers of the trustees are described in the Trust Deed.

The Trust Deed allows the trustees to invest trust monies in any property and investment.

OBJECTIVES AND ACTIVITIES

The charitable trust's objectives are to make donations to charitable causes as determined by the trustees.

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 and in planning future activities.

ACHIEVEMENTS AND PERFORMANCE

During the year the charity continued its activities and maintained its support of charitable institutions and aggregate donations were paid in the sum of £83,368 (2020: £84,209). The trustees are satisfied that donations made during the year and subsequently have achieved the charitable trust's objectives.

The financial results of the charity for the year ended 5 April 2021 are fully reflected in the attached financial statement together with the notes thereon.

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THORNE LODGE CHARITABLE TRUST

TRUSTEES' ANNUAL REPORT (continued)

YEAR ENDED 5 APRIL 2021

FINANCIAL REVIEW

Reserves policy

It is the policy of the charity to maintain free reserves at a level which the trustees think appropriate after considering the future commitments of the charity and the likely costs of the charity for the next year. The trustees have not undertaken any formal charitable commitments and consider that the charity will generate sufficient income from it's investments and from donations to fund its ongoing activities.

As at 5 April 2021 the charity had £1,501,484 (2020: £1,346,890) of unrestricted funds.

Investment policy

Under the Trust Deed, the charity has the power to make investments which the trustees consider appropriate. The trustees seek investments which, over a medium term, are anticipated to generate a dependable flow of income coupled with capital growth.

The trustees consider the return on investments, in terms of both income and capital growth, to be satisfactory.

Grant making policy

Grants are made to charitable institutions and organisations which accord with the objects of the Charity.

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

PRINCIPAL RISKS AND UNCERTAINTIES

Risk management

The trustees have identified and reviewed the major risks to which the charity is exposed, in particular those related to the operations and finance of the charity, and are satisfied that systems are in place to manage those risks.

PLANS FOR FUTURE PERIODS

The trustees plan to continue to make distributions in accordance with their grant making policy and to ensure that an appropriate level of reserves is maintained.

POST BALANCE SHEET EVENTS AND GOING CONCERN

The outbreak of the Covid-19 during 2020 has presented the charity with some challenges regarding investment income which the trustees believe will continue for the foreseeable future. In addition, the uncertainty surrounding Brexit may also impact the UK economy and sources of income for the charity. These risks are beyond the control of the charity and represents uncertainty to the income of the charity. Notwithstanding the uncertainty, 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. The trustees recognise that they have the ability to exercise control over the charity's grant making charitable activities.

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THORNE LODGE CHARITABLE TRUST TRUSTEES, ANNUAL REPORT (¢0 YEAR ENDED 5 APRIL 2021 The tnisices. annual Teport wa5 &pproved on 14 January 2022 and signed on behalf of the board of ustees by.. R D Selby Trustee

THORNE LODGE CHARITABLE TRUST INDEPENDENT EXAMINER'S REPORT TO THE TRUSTELS OF THORNE LODGE CHAIUTABLE TRUST YEAR ENDED 5 APRIL 2021 I retx>rt to the truslccs on tny cxamin&ltion of the financial sla￿￿￿￿ of Thorne L(Klge Charitabl¢ Trust I'(he chariiy) for the year ended 5 April 2021. RESPONSIBtLITIKS AIW BASIS OF REPORT As the tnL4teeti of the chariiy YOU wnsible for the preparation of the financial state￿￿nts in a¢¢ordance with the reqUiren￿ls of the Cljariiies Act 2011 ('the Act.). I re￿trrt in respeci of my examinion of the charirys financia] state￿￿ntS C￿led out under section 145 of the 2011 Act and in carrying out tny exami1￿tion I have followed all the applicable Directions given by thc Charity Commission under section 145(5)(b) of the Act. INDEPENDENf TrXAMINER'S sfATEMENr I have completed my exatnination. I confiTm that no merial mattet% have co￿£ to my attention in connection wÉth the examination giving cause io believe that in any material respect: a¢couniing records were not key in resw of the charity as required by section 130 of the Act: or Ihe financial staiements do not accord with those records; or Ihe financial Stalen￿n(S do not comply with the applicable requircmcnts Concerning the fonn and content of accounls sel out in thc Charities (Accourtis and Rem) Regulations 2(K)8 othcr than any r¢qUireTt￿t that the accounts give a 'true and fai¢ Yiew which is not a maI￿r considered 18 part of an independent examin￿10n. I haye no concerns and have co￿￿ across no other matte]s in connection with the examination to which attention should drawn in this wrt in order io enable a proFr understanding of the accounts io ￿ reached. Dov Harris FCA Indyndeni Ex4miiner Cohen Arnold Chartered Accountants New Burlington House 1075 Finchlcy Road London NWII OPU 14 January 2022

THORNE LODGE CHARITABLE TRUST

STATEMENT OF FINANCIAL ACTIVITIES

YEAR ENDED 5 APRIL 2021

2021 2021 2020
Unrestricted
funds Total funds Total funds
Note £ £ £
Income and endowments
Donations and legacies 4 10,000
Investment income 5 28,066 28,066 41,175
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Total income 28,066 28,066 51,175
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Expenditure
Expenditure on raising funds:
Investment management costs 6 (14,026) (14,026) (15,620)
Expenditure on charitable activities 7,8 (87,910) (87,910) (88,098)
ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ
Total expenditure (101,936) (101,936) (103,718)
৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶
Net gains/(losses) on investments 10 228,464 228,464 (89,741)
ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ
Net income/(expenditure) and net movement in funds 154,594 154,594 (142,284)
৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶
Reconciliation of funds
Total funds brought forward 1,346,890 1,346,890 1,489,174
ৄৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄৄ
Total funds carried forward 1,501,484 1,501,484 1,346,890
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶

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 7 to 12 form part of these financial statements.

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THORNE LODGE CHARITABLE TRUST STATEMENT OF FINANCIAL POSITION 5 APIUL 2021 2021 2020 Note FIXED ASSETS InvesimentS 14 1,456,647 1.322,442 CURRENT ASSETS Debtors Cash ai bank and in hand 15 2,201 46,476 48,677 2,053 28,288 CREDTTORS: amounts falling due within one yeAr NET CURRENT ASSETS TOTAL ASSETS LESS CURREiYr LIABILITILS 16 13,840) (3,840) 44,837 24.448 1,501,484 1501,484 1.346,890 1,346.890 NET ASSETS Fuf4DS OF THE CHAIUTY Unresiricted funds 1.501,484 1S01,484 1.346.890 1,346.890 Totsl charlty funds These financial statemenis were approved by the board of uusiees and authorised for issue on 14 January 2022. and are Signed on behalf of the board by- 17 Mrs R D Selby Truslee Trusi Chariry R¢gi5rrd on No.

THORNE LODGE CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS

YEAR ENDED 5 APRIL 2021

1. GENERAL INFORMATION

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 41 Norrice Lea, Hampstead Garden Suburb, London, N2 0RD.

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 Charities Act 2011.

3. ACCOUNTING POLICIES

Basis of preparation

The financial statements have been prepared on the historical cost basis, modified to include listed and other investments at fair value.

The financial statements are prepared in sterling, which is the functional currency of the charitable trust.

The charitable trust meets the definition of a public benefit entity under FRS 102.

Going concern

There are no material uncertainties about the charity's ability to continue.

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. There were no significant judgements or estimates made in the preparation of these financial statements.

Taxation

The charity is not liable to direct taxation on its income or gains, whether realised or not, as it falls within the various exemptions liable to registered charities. Accordingly, the charity does not recognise any deferred tax liability on revaluations of investments as no tax would be due in the event of a disposal as the charity would benefit from the relevant exemptions, as it will apply all funds for qualifying charitable purposes.

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

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.

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THORNE LODGE CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 5 APRIL 2021

3. ACCOUNTING POLICIES (continued)

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:

 expenditure on raising funds includes the costs of all fundraising activities, events, noncharitable trading activities, and the sale of donated goods.

 expenditure on charitable activities includes all costs incurred by a charity in undertaking activities that further its charitable aims for the benefit of its beneficiaries, including those support costs and costs relating to the governance of the charity apportioned to charitable activities.

 other expenditure includes all expenditure that is neither related to raising funds for the charity nor part of its expenditure on charitable activities.

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.

Grants payable

These are only recognised in the accounts when a commitment has been made and there are no conditions to be met relating to the grant which remains in the control of the charity.

Financial instruments

A financial asset or a financial liability is recognised only when the entity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs, unless the arrangement constitutes a financing transaction, where it is recognised at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Where investments in shares or preference shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

For all equity instruments regardless of significance, these are assessed individually for impairment.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

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NOTES TO THE FINANCIAL STATEMENTS (continued)

THORNE LODGE CHARITABLE TRUST

YEAR ENDED 5 APRIL 2021

4. DONATIONS AND LEGACIES

4. DONATIONS AND LEGACIES
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
DONATIONS
Donations received 10,000 10,000
৶৶৶৶ ৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
5. INVESTMENT INCOME
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Interest receivable 4,320 4,320 5,098 5,098
Dividends receivable 12,365 12,365 22,926 22,926
Other investment income 11,381 11,381 13,151 13,151
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
28,066 28,066 41,175 41,175
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
6. INVESTMENT MANAGEMENT COSTS
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Portfolio management 14,026 14,026 15,620 15,620
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
7. EXPENDITURE ON CHARITABLE ACTIVITIES BY FUND TYPE
Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Grants paid 83,368 83,368 84,209 84,209
Support costs 4,542 4,542 3,889 3,889
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
87,910 87,910 88,098 88,098
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
8. EXPENDITURE ON CHARITABLE ACTIVITIES BY ACTIVITY TYPE
Grant funding Total funds Total fund
of activities Support costs 2021 2020
£ £ £ £
Grants paid 83,368 83,368 84,209
Governance costs 4,542 4,542 3,889
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
83,368 4,542 87,910 88,098
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶

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THORNE LODGE CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 5 APRIL 2021

9. ANALYSIS OF GRANTS

ANALYSIS OF GRANTS
2021 2020
£ £
GRANTS TO INSTITUTIONS
Support of education, advancement of health and relief of poverty 83,598 84,209
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Total grants 83,598 84,209
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
The composition of donations is shown below.
£
British Emunah Fund 20,250
Hasmonean High School Charitable Trust 15,000
Camp Simcha 10,000
Laniado Hospital UK 7,850
University Jewish Chaplaincy 3,000
Federation of Jewish Services 3,000
Gift 2,500
Tikvah UK LTD 2,500
Sundry donations 19,268
ৄৄৄৄৄৄৄৄৄ
83,368
৶৶৶৶৶৶৶৶৶

10. NET GAINS/(LOSSES) ON INVESTMENTS

Unrestricted Total Funds Unrestricted Total Funds
Funds 2021 Funds 2020
£ £ £ £
Gains/(losses) on investments 211,174 211,174 (101,218) (101,218)
Realised Gains/(losses) on disposal of
investment assets 17,290 17,290 11,477 11,477
ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ
228,464 228,464 (89,741) (89,741)
৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶
11. INDEPENDENT EXAMINATION FEES
2021 2020
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 3,840
৶৶৶৶৶৶৶
3,840
৶৶৶৶৶৶৶

12. EMPLOYEE NUMBERS

The average headcount of employees during the year was nil (2020: nil).

13. TRUSTEE REMUNERATION AND EXPENSES

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

The charity did not meet any individual expenses incurred by the trustees for services provided to the charity.

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NOTES TO THE FINANCIAL STATEMENTS (continued)

THORNE LODGE CHARITABLE TRUST

YEAR ENDED 5 APRIL 2021

14. INVESTMENTS

INVESTMENTS
Listed Other
investments investments Total
£ £ £
Fair value
At 6 April 2020 1,034,236 288,206 1,322,442
Additions 264,964 264,964
Disposals (341,933) (341,933)
Fair value movements 218,624 (7,450) 211,174
ৄৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄৄ
At 5 April 2021 1,175,891 280,756 1,456,647
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
Impairment
At 6 April 2020 and 5 April 2021
৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
Carrying amount
At 5 April 2021 1,175,891 280,756 1,456,647
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
At 5 April 2020 1,034,236 288,206 1,322,442
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶

All investments shown above are held at valuation.

Financial assets held at fair value

The investments are held at fair value based on the available market data at the year end. Any movements in fair value are recognised in the profit and loss.

The historical cost of the investments is £1,174,984.

15. DEBTORS

15. DEBTORS
2021 2020
£ £
Other debtors 2,201 2,053
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶
16. CREDITORS: amounts falling due within one year
2021 2020
£ £
Accruals and deferred income 3,840 3,840
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶

17. ANALYSIS OF CHARITABLE FUNDS

Unrestricted funds

At Gains and At
6 April 2020 Income Expenditure losses 5 April 2021
£ £ £ £ £
General funds 1,346,890 28,066 (101,936) 228,464 1,501,484
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
At Gains and At
6 April 2019 Income Expenditure losses 5 April 2020
£ £ £ £ £
General funds 1,489,174
৶৶৶৶৶৶৶৶৶৶৶৶৶
51,175
৶৶৶৶৶৶৶৶৶
(103,718)
৶৶৶৶৶৶৶৶৶৶
(89,741)
৶৶৶৶৶৶৶৶৶
1,346,890
৶৶৶৶৶৶৶৶৶৶৶৶৶

- 11 -

THORNE LODGE CHARITABLE TRUST

NOTES TO THE FINANCIAL STATEMENTS (continued)

YEAR ENDED 5 APRIL 2021

18. ANALYSIS OF NET ASSETS BETWEEN FUNDS

ANALYSIS OF NET ASSETS BETWEEN FUNDS
Unrestricted Total Funds
Funds 2021
£ £
Tangible fixed assets 1,456,647 1,456,647
Current assets 48,677 48,677
Creditors less than 1 year (3,840) (3,840)
ৄৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄৄ
Net assets 1,501,484 1,501,484
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
Unrestricted Total Funds
Funds 2020
£ £
Tangible fixed assets 1,322,442 1,322,442
Current assets 28,288 28,288
Creditors less than 1 year (3,840) (3,840)
ৄৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄৄ
Net assets 1,346,890 1,346,890
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
FINANCIAL INSTRUMENTS
The carrying amount for each category of financial instrument is as follows:
2021 2020
£ £
Financial assets measured at fair value through income and expenditure
Financial assets measured at fair value through income and
expenditure 1,456,647 1,322,442
৶৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶৶
Financial assets that are debt instruments measured at amortised cost
Financial assets that are debt instruments measured at amortised
cost 2,201 2,053
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶
Financial liabilities measured at amortised cost
Financial liabilities measured at amortised cost 3,840 3,840
৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶

19. FINANCIAL INSTRUMENTS

20. RELATED PARTY TRANSACTIONS

Grants paid include an amount of £20,250 paid to British Emunah Fund, a charity a trustee in commmon with this charity.

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