## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **ACCOUNTS**
## **YEAR ENDED 31 DECEMBER 2024**
REGISTERED CHARITY NUMBER 516711
**NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **CHARITY INFORMATION**
- 1/. The Charity is governed by the constitution adopted the NW Area Assembly. The objectives are stated as the advancement of the Christian Faith and in furtherance thereof:
- a) to spread the Gospel of Jesus Christ;
- b) to encourage congregations of believers in local places to maintain corporate worship in free assembly alike in consecrated buildings and in homes of the people; c) to spread the knowledge of Jesus Christ throughout the world, principally through the agency of such bodies as the Council for World Mission (CWM);
- d) to further the spirit of unity in Jesus Christ with all other believers in him;
- e) to mediate the call of God to Christian service at home and abroad whether by way of the ordained ministry or otherwise;
- f) to do all such things as are necessary to the attainment of these objectives.
## 2/. The Trustees of the Charity during 2024 are:
David Gould (Chair) Kathy Shaw (Treasurer) Peter Butler (Secretary) Elizabeth Mary Dean Alan Kennedy Rob Cross
- 3/. The Charity mainly supports Congregational Churches in the following areas.
CHESHIRE GREATER MANCHESTER CUMBRIA LANCASHIRE DERBYSHIRE (High Peak) MERSEYSIDE
- 4/. The Charity makes Loans and Grants to Congregational Churches in the above areas and supports training and other causes commensurate with the object of the Charity outlined in 1/. above.
Page 1
**NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **TRUSTEES REPORT**
The trustees present their report and the accounts for the year ended 31 December 2024
## **Summary of activities**
The Trustees have continued to support Congregational Churches and good causes.
## **Development and future plans**
There are no immediate plans to alter the way in which the Charity is run nor the way in which the income is expended.
## **Summary of Results**
The Trustees are satisfied with the Charity's affairs.
) **Chairman** ) **Secretary** ) **Treasurer**
Page 2
**NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **TRUSTEES REPORT**
During the year the Charity has made grants to the following churches:-
|Martin Top
Other Grants
Congregational Federation Mission & Ministry Grant
Student Grants
Other Grants -
Total Grants|**£**
**3,000**
**1,000**
**1,601**|**£**
**3,000**
**2,601**
**5,601**|
|---|---|---|
Page 3
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **RECEIPTS AND PAYMENTS ACCOUNT**
|**INCOMING RESOURCES**
Dividends & Interest on Investments
Bank Interest
Surplus on Sale of Investments
Donations / Affiliation Fees
NW Preachers
Walkdens Stipend Cont
Other Income - Area Ministry Grants
Funds Distribution rec'd from Nottingham
**Total incoming resources**
**RESOURCES EXPENDED**
**Direct charitable expenditure**
Grants
Donations + M&M Donation
**Administrative expenses**
Insurance
Pensions
Training
Expenses
Postage & Telephone
Printing & Stationery
Hospitality
Accountancy
Computer - Zoom
Speakers & Travelling
Stipend
Sundry Expenses
Tax/NI Contributions
ACAT Membership subscription
Year Books
Honorarium
**Total resources expended**
**NET INCOMING / (OUTGOING) RESOURCES**
**before transfers**
**Gross transfers between funds**
**Net incoming / (outgoing) resources**
**before other recognised gains & losses**
**Other recognised gains / losses**
**Unrealised gains and Losses on Investment assets**
**Net movement in funds**
Total funds brought forward
In year adj to clear bal on Area Preachers Assoc. Funds
**TOTAL FUNDS CARRIED FORWARD**|**£**
**£**
8,065
2,254
-
2,755
-
-
-
-
13,074
5,601
**-**
5,601
**540**
**1,897**
-
440
-
-
800
700
156
-
-
-
**-**
**11**
**-**
**900**
5,445
11,046
2,028
2,028
1,447
2,627
299,340
-
305,442
**Unrestricted**|**£**
**£**
**£**
**£**
**2024**
**2023**
920
**8,984**
8,720
-
**2,254**
1,782
-
**-**
-
-
**2,755**
2,990
-
**-**
-
-
**-**
-
18,291
**18,291**
16,175
-
**-**
19,211
**32,284**
29,667
-
**5,601**
5,600
**-**
-
**-**
6,000
-
**5,601**
11,600
-
**540**
505
-
**1,897**
1,711
-
**-**
-
-
**440**
463
-
**-**
-
-
**-**
-
-
**800**
600
-
**700**
716
-
**156**
96
-
**-**
-
15,988
**15,988**
13,887
2,460
**2,460**
3,451
4,984
**4,984**
4,274
-
**11**
10
-
**-**
599
-
**900**
600
23,431
**28,876**
26,912
23,431
**34,477**
38,512
(4,220)
**(2,192)**
(8,845)
0
0
(4,220)
**(2,192)**
(8,845)
**1,447**
-1040.17
381
**3,008**
9,132
73,206
**372,546**
373,300
**-**
-
69,367
**374,809**
372,546
**Restricted**
**Total**|
|---|---|---|
Page 4
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **STATEMENT OF ASSETS AND LIABILITIES**
|**Note**
**FIXED ASSETS**
Total Investments
**1**
**CURRENT ASSETS**
Cash at Bank and in Hand
**2**
Awaiting clearance of funds -CAF Investment closure
Debtors - Loans outstanding
**3**
**CREDITORS**
**NET CURRENT ASSETS**
NET ASSETS
**FUNDS**
**Unrestricted funds**
**4**
**Restricted funds**
**4**
**TOTAL FUNDS**
)
**Trustee**|**Unrestricted Restricted**
**£**
**£**
159,650
31,316
159,650
31,316
51,294
38,050
80,050
14,449
145,793
38,050
145,793
38,050
305,443
69,366|**Total**
**£**
**2024**
**190,966**
**190,966**
**89,344**
**80,050**
**14,449**
**183,843**
183,843
**374,809**
**305,443**
**69,366**
**374,809**|**Total**
**£**
**2023**
226,512
226,512
51,535
80,050
14,449
146,034
146,034
372,546
299,340
73,206
372,546|
|---|---|---|---|
The notes on pages 6 , 7, & 8 form part of these accounts.
Page 5
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **NOTES TO THE ACCOUNTS**
## **1 Investments**
|**NW AREA**
M & G Investments Charifund
COIF Charities Fixed Interest Fund 3964
COIF Charities Investment Fund 3695
BlackRock - BLK Charities UK Bond Fund A Inc
**CHAPEL ST**
COIF Charities Fixed Interest Fund
BlackRock - BLK Charities UK Bond Fund A Inc
**THORNSETT**
COIF Charities Fixed Interest Fund
COIF Charities Investment Fund
Sub-total Unrestricted Investments
**JESSIE GIBSON**
BlackRock - BLK Charities UK Bond Fund A Inc
**IRLAMS**
COIF Charities Investment Fund
COIF Charities Fixed Interest Fund
BlackRock - BLK Charities UK Bond Fund A Inc
**LITTLEMOOR**
COIF Charities Investment Fund
Restricted Investment funds
**TOTAL INVESTMENTS**|Dividend/Intere Opening
Change in
Disposals
Closing
received
Balance
Value
Balance
**01.01.2024**
**31.12.2024**
**4,652**
74,175
1,934
**76,109**
**115**
4,456
136
**4,592**
**1,869**
67,141
2,093
-40000
**29,234**
**580**
14,342
(635)
**13,707**
**40**
1,548
47
**1,595**
**-**
4,545
(201)
**4,344**
**117**
4512
138
**4,650**
**692**
24857
562
**25,419**
**8,065**
195,576
4,074
(40,000)
**159,650**
**10**
245
(11)
**233**
**-**
**253**
9,096
205
**9,301**
**82**
3,162
97
**3,259**
**198**
4,886
(216)
**4,670**
**-**
**377**
13547
306
**13,853**
**920**
30,936
381
-
**31,316**
226,512
4,455
(40,000)
**190,967**|
|---|---|
Page 6
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **NOTES TO THE ACCOUNTS cont.**
|**2**
**Cash at Bank**
Royal Bank Scotland
Royal Bank of Scotland - Special Interest bearing A/c
COIF - NW Area Deposit A/c
COIF - Thornsett Deposit A/c
COIF - NW Area Projects Deposit A/c
**3**
**Loans**
Bretherton cc
Knowle Green
Timperly
Eccles CC|Opening
Loans
Balance
Made
**01.01.2024**
7,000
-
4,000
-
2,250
-
1,199
-
14,449
-|**2024**
**1,001**
**41,302**
**25,259**
**12,065**
**9,716**
**89,343**
Loans
Repaid
-
-
-
-|2023
1,001
8,818
23,275
10,694
7,749
51,536
Closing
Balance
**31.12.2024**
**7,000**
**4,000**
**2,250**
**1,199**
**14,449**|
|---|---|---|---|
Page 7
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **4 Movement in Funds**
|**Unrestricted funds**
Administration
Chapel St
Mission & Ministry
NW Area Projects
Thornset Ministry
Loans - NW Area Projects|**Transfers**
**Balance**
**Incoming**
**Resources**
**Gains and**
**Funds on**
**between**
**01.01.2024**
**Resources**
**Expended**
**losses**
**Loan to**
**funds**
**Churches**
**£**
**£**
**£**
**£**
**£**
**£**
-2129.99
625.00
-3695.31
0.00
0.00
55,594.90
39.98
0.00
-153.78
0.00
-3,870.00
2,130.00
0.00
0.00
0.00
196,803.21
10,353.93
-7,350.19
3,527.87
0
-1446.00
38,492.64
1,371.43
0.00
699.50
-|**Balance**
**31.12.24**
**£**
**-5,200.30**
**55481.10**
**-1740.00**
**201888.82**
**40563.57**
**14,449.00**|
|---|---|---|
||||
|Unrestricted Funds Total|284,890.76
14,520.34
(11,045.50)
4,073.59
0
-1446|**305,443.19**|
|**Restricted funds**
Area Ministry
Needy churches - Jessie Gibson
Lancs area ministry & future
church finance - Irlams
Capital Investment fund - Littlemoo|-2437.57
18291
-23431.1
0
-
412.36
10.04
0
-10.97
-
53,264.72
532.53
0.00
85.96
-
21,969.34
377.07
0.00
306.01
-|**-7,577.67**
**411.43**
**53,883.21**
**0.00**
**22,652.42**|
||73,208.85
19,210.64
-23431.10
381.00
-
-|**69,366.39**|
||||
|Restricted Funds Total 31.12.2023||**69,366.39**|
|**TOTAL FUNDS**|358,099.61
33,730.98
-34476.60
4,454.59
0.00
-1446.00|**374,809.58**|
Page 8
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **ACCOUNTS**
## **YEAR ENDED 31 DECEMBER 2024**
REGISTERED CHARITY NUMBER 516711
**NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **CHARITY INFORMATION**
- 1/. The Charity is governed by the constitution adopted the NW Area Assembly. The objectives are stated as the advancement of the Christian Faith and in furtherance thereof:
- a) to spread the Gospel of Jesus Christ;
- b) to encourage congregations of believers in local places to maintain corporate worship in free assembly alike in consecrated buildings and in homes of the people; c) to spread the knowledge of Jesus Christ throughout the world, principally through the agency of such bodies as the Council for World Mission (CWM);
- d) to further the spirit of unity in Jesus Christ with all other believers in him;
- e) to mediate the call of God to Christian service at home and abroad whether by way of the ordained ministry or otherwise;
- f) to do all such things as are necessary to the attainment of these objectives.
## 2/. The Trustees of the Charity during 2024 are:
David Gould (Chair) Kathy Shaw (Treasurer) Peter Butler (Secretary) Elizabeth Mary Dean Alan Kennedy Rob Cross
- 3/. The Charity mainly supports Congregational Churches in the following areas.
CHESHIRE GREATER MANCHESTER CUMBRIA LANCASHIRE DERBYSHIRE (High Peak) MERSEYSIDE
- 4/. The Charity makes Loans and Grants to Congregational Churches in the above areas and supports training and other causes commensurate with the object of the Charity outlined in 1/. above.
Page 1
**NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **TRUSTEES REPORT**
The trustees present their report and the accounts for the year ended 31 December 2024
## **Summary of activities**
The Trustees have continued to support Congregational Churches and good causes.
## **Development and future plans**
There are no immediate plans to alter the way in which the Charity is run nor the way in which the income is expended.
## **Summary of Results**
The Trustees are satisfied with the Charity's affairs.
) **Chairman** ) **Secretary** ) **Treasurer**
Page 2
**NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **TRUSTEES REPORT**
During the year the Charity has made grants to the following churches:-
|Martin Top
Other Grants
Congregational Federation Mission & Ministry Grant
Student Grants
Other Grants -
Total Grants|**£**
**3,000**
**1,000**
**1,601**|**£**
**3,000**
**2,601**
**5,601**|
|---|---|---|
Page 3
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **RECEIPTS AND PAYMENTS ACCOUNT**
|**INCOMING RESOURCES**
Dividends & Interest on Investments
Bank Interest
Surplus on Sale of Investments
Donations / Affiliation Fees
NW Preachers
Walkdens Stipend Cont
Other Income - Area Ministry Grants
Funds Distribution rec'd from Nottingham
**Total incoming resources**
**RESOURCES EXPENDED**
**Direct charitable expenditure**
Grants
Donations + M&M Donation
**Administrative expenses**
Insurance
Pensions
Training
Expenses
Postage & Telephone
Printing & Stationery
Hospitality
Accountancy
Computer - Zoom
Speakers & Travelling
Stipend
Sundry Expenses
Tax/NI Contributions
ACAT Membership subscription
Year Books
Honorarium
**Total resources expended**
**NET INCOMING / (OUTGOING) RESOURCES**
**before transfers**
**Gross transfers between funds**
**Net incoming / (outgoing) resources**
**before other recognised gains & losses**
**Other recognised gains / losses**
**Unrealised gains and Losses on Investment assets**
**Net movement in funds**
Total funds brought forward
In year adj to clear bal on Area Preachers Assoc. Funds
**TOTAL FUNDS CARRIED FORWARD**|**£**
**£**
8,065
2,254
-
2,755
-
-
-
-
13,074
5,601
**-**
5,601
**540**
**1,897**
-
440
-
-
800
700
156
-
-
-
**-**
**11**
**-**
**900**
5,445
11,046
2,028
2,028
1,447
2,627
299,340
-
305,442
**Unrestricted**|**£**
**£**
**£**
**£**
**2024**
**2023**
920
**8,984**
8,720
-
**2,254**
1,782
-
**-**
-
-
**2,755**
2,990
-
**-**
-
-
**-**
-
18,291
**18,291**
16,175
-
**-**
19,211
**32,284**
29,667
-
**5,601**
5,600
**-**
-
**-**
6,000
-
**5,601**
11,600
-
**540**
505
-
**1,897**
1,711
-
**-**
-
-
**440**
463
-
**-**
-
-
**-**
-
-
**800**
600
-
**700**
716
-
**156**
96
-
**-**
-
15,988
**15,988**
13,887
2,460
**2,460**
3,451
4,984
**4,984**
4,274
-
**11**
10
-
**-**
599
-
**900**
600
23,431
**28,876**
26,912
23,431
**34,477**
38,512
(4,220)
**(2,192)**
(8,845)
0
0
(4,220)
**(2,192)**
(8,845)
**1,447**
-1040.17
381
**3,008**
9,132
73,206
**372,546**
373,300
**-**
-
69,367
**374,809**
372,546
**Restricted**
**Total**|
|---|---|---|
Page 4
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **STATEMENT OF ASSETS AND LIABILITIES**
|**Note**
**FIXED ASSETS**
Total Investments
**1**
**CURRENT ASSETS**
Cash at Bank and in Hand
**2**
Awaiting clearance of funds -CAF Investment closure
Debtors - Loans outstanding
**3**
**CREDITORS**
**NET CURRENT ASSETS**
NET ASSETS
**FUNDS**
**Unrestricted funds**
**4**
**Restricted funds**
**4**
**TOTAL FUNDS**
)
**Trustee**|**Unrestricted Restricted**
**£**
**£**
159,650
31,316
159,650
31,316
51,294
38,050
80,050
14,449
145,793
38,050
145,793
38,050
305,443
69,366|**Total**
**£**
**2024**
**190,966**
**190,966**
**89,344**
**80,050**
**14,449**
**183,843**
183,843
**374,809**
**305,443**
**69,366**
**374,809**|**Total**
**£**
**2023**
226,512
226,512
51,535
80,050
14,449
146,034
146,034
372,546
299,340
73,206
372,546|
|---|---|---|---|
The notes on pages 6 , 7, & 8 form part of these accounts.
Page 5
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **NOTES TO THE ACCOUNTS**
## **1 Investments**
|**NW AREA**
M & G Investments Charifund
COIF Charities Fixed Interest Fund 3964
COIF Charities Investment Fund 3695
BlackRock - BLK Charities UK Bond Fund A Inc
**CHAPEL ST**
COIF Charities Fixed Interest Fund
BlackRock - BLK Charities UK Bond Fund A Inc
**THORNSETT**
COIF Charities Fixed Interest Fund
COIF Charities Investment Fund
Sub-total Unrestricted Investments
**JESSIE GIBSON**
BlackRock - BLK Charities UK Bond Fund A Inc
**IRLAMS**
COIF Charities Investment Fund
COIF Charities Fixed Interest Fund
BlackRock - BLK Charities UK Bond Fund A Inc
**LITTLEMOOR**
COIF Charities Investment Fund
Restricted Investment funds
**TOTAL INVESTMENTS**|Dividend/Intere Opening
Change in
Disposals
Closing
received
Balance
Value
Balance
**01.01.2024**
**31.12.2024**
**4,652**
74,175
1,934
**76,109**
**115**
4,456
136
**4,592**
**1,869**
67,141
2,093
-40000
**29,234**
**580**
14,342
(635)
**13,707**
**40**
1,548
47
**1,595**
**-**
4,545
(201)
**4,344**
**117**
4512
138
**4,650**
**692**
24857
562
**25,419**
**8,065**
195,576
4,074
(40,000)
**159,650**
**10**
245
(11)
**233**
**-**
**253**
9,096
205
**9,301**
**82**
3,162
97
**3,259**
**198**
4,886
(216)
**4,670**
**-**
**377**
13547
306
**13,853**
**920**
30,936
381
-
**31,316**
226,512
4,455
(40,000)
**190,967**|
|---|---|
Page 6
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **NOTES TO THE ACCOUNTS cont.**
|**2**
**Cash at Bank**
Royal Bank Scotland
Royal Bank of Scotland - Special Interest bearing A/c
COIF - NW Area Deposit A/c
COIF - Thornsett Deposit A/c
COIF - NW Area Projects Deposit A/c
**3**
**Loans**
Bretherton cc
Knowle Green
Timperly
Eccles CC|Opening
Loans
Balance
Made
**01.01.2024**
7,000
-
4,000
-
2,250
-
1,199
-
14,449
-|**2024**
**1,001**
**41,302**
**25,259**
**12,065**
**9,716**
**89,343**
Loans
Repaid
-
-
-
-|2023
1,001
8,818
23,275
10,694
7,749
51,536
Closing
Balance
**31.12.2024**
**7,000**
**4,000**
**2,250**
**1,199**
**14,449**|
|---|---|---|---|
Page 7
## **NORTH WEST AREA ASSOCIATION OF THE CONGREGATIONAL FEDERATION**
## **YEAR ENDED 31 DECEMBER 2024**
## **4 Movement in Funds**
|**Unrestricted funds**
Administration
Chapel St
Mission & Ministry
NW Area Projects
Thornset Ministry
Loans - NW Area Projects|**Transfers**
**Balance**
**Incoming**
**Resources**
**Gains and**
**Funds on**
**between**
**01.01.2024**
**Resources**
**Expended**
**losses**
**Loan to**
**funds**
**Churches**
**£**
**£**
**£**
**£**
**£**
**£**
-2129.99
625.00
-3695.31
0.00
0.00
55,594.90
39.98
0.00
-153.78
0.00
-3,870.00
2,130.00
0.00
0.00
0.00
196,803.21
10,353.93
-7,350.19
3,527.87
0
-1446.00
38,492.64
1,371.43
0.00
699.50
-|**Balance**
**31.12.24**
**£**
**-5,200.30**
**55481.10**
**-1740.00**
**201888.82**
**40563.57**
**14,449.00**|
|---|---|---|
||||
|Unrestricted Funds Total|284,890.76
14,520.34
(11,045.50)
4,073.59
0
-1446|**305,443.19**|
|**Restricted funds**
Area Ministry
Needy churches - Jessie Gibson
Lancs area ministry & future
church finance - Irlams
Capital Investment fund - Littlemoo|-2437.57
18291
-23431.1
0
-
412.36
10.04
0
-10.97
-
53,264.72
532.53
0.00
85.96
-
21,969.34
377.07
0.00
306.01
-|**-7,577.67**
**411.43**
**53,883.21**
**0.00**
**22,652.42**|
||73,208.85
19,210.64
-23431.10
381.00
-
-|**69,366.39**|
||||
|Restricted Funds Total 31.12.2023||**69,366.39**|
|**TOTAL FUNDS**|358,099.61
33,730.98
-34476.60
4,454.59
0.00
-1446.00|**374,809.58**|
Page 8
Indepcndciit examiner's rcport to tlie Trustees of "Northwest Area Association of the
Congrcgational Federation"
I report on Ilie accounts of the Trust for the year ended 31 December 2024, which are set out
on pages I to 2.
,Respectii'e resi)onsibilities of trustees and examiner
Tlie cliarity's trustees are responsible t.or the preparation of the accounts. The charity's
trustees consider that an audit is not required for this year under section 144(2) of the
Charities Act 2011 (the 2011 Act) and that an independent examination is needed.
It is my responsibility to:
examine the accounts under section 145 of the 2011 Act;
to follow the procedures laid down in the general Directions given by the Charity
Commission under section 145(5)(b) of the 2011 Act; and
to state whether particular matters have come to my attention.
Basis of independent examiner's report
11
My examination was carried out in accordance with the general Directions given by the
Charity Commission. An examination includes a review of the accounting records kept by the
charity and a comparison of the accounts presented with those records. It also includes
consideration of any unusual items or disclosures in the accounts, and seeking explanations
from you as trustees concerning any such matters. The procedures undertaken do not provide
all the evidence that would be required in an audit and consequently no opinion is given as to
whether the accounts present a 'true and fair view, and the report is limited to those matters
set out in the statement below.
Independent examiner's statement
In connection with my examination, no matter has come to my attention:
(l) which gives me reasonable cause to believe that in any material respect the requirements:
to keep accounting records in accordance with section 130 of the 2011 Act; and
to prepare accounts which accord with the accounting records and comply with the
accounting requirements of the 201 l Act
have not been met; or
(2) to which, in my opinion, attention should be drawn in order to enable a proper
understandingy of the accounts to be reached.
Lois Fryer BA(Hons) MAAT A
PND Accounting-
Cotton Court, Preston, Lancs, PRI 3BY
13, October 2025
Loi)