Charity Reference SC023995
Argyll Couple Counselling
Relationship Scotland Couple Counselling Argyll
A Scottish Charitable Incorporated Organisation
Receipts and Payments Accounts
For the year to 31st March 2025

ATgO1 Couple C￿nSellIng
(A Scottish Charltsble Incorporated Organisation)
Legal and Administrative infomiati
Charity name:
Ar8yII Couple Counsellin8
Known as- Relationships Sotland - Couple Counselling Argyll
Charity number..
SC023995
Registered Address:
c/0 Matkay and Co
120 George Street
Oban
PA34 5NT
Trustees:
Independent Examlner:
Mackoy and Co
120 Geor8e Street
Oban
PA34 SNT

Arg￿1 Couple Counselling
(A Scott15h Charitable Incorporated Organlsation)
Charity Reference SC023995
Trustees, Report
for the year ended 31 March 2025
Introductlon
The trustees present their report and the financial statements for the year ended 31 March 2025.
The trustees of Argyll Couple Counselling who served durin8 the year and up to the date of this
report are set out on page 2,
Strurture, Governance & Management
Governance
The charity is registered with the Offlce of the Scottish Charlty Regulator and was constituted as a
Cornpany Limited by Guarantee until 4th February 2020 when it was reconstituted as a Scottlsh
Charitable Incorporated Organisation {SCIO).
The charity is managed by Trustees who are recruited from the local community and are
appointed at each AGM. The Trustees meet four times a year to review Its actlvities and financlal
position.
Rlsk Pollcy
The Trustees have assessed the major risks to which the charity is exposed, and in partlcular,
those related to the operations and finances of the Charlty, and are satisfied that systems are In
place to mitl8ate any exposure to these risks.
Reserves Pollcv
In line with our Reserves Policyi we aim to establish a reserve of six months operating costs which
is held in deslgnated funds. Tbe required reserve and any amounts to be allocated is revlewed
annually to reflect changing funding and other risks. We also aim to designate sufficient funds for
us to train a new couple counsellor at short notice, due to any unforeseen reduction in existlng
counsellor numbers. This will allow us to continue to provide our core service activities.
Objectlves and actlvltles
Maln objectlves
The charity's main objective is to foster the success and stability of marriage and other intimate
personal relationshlps as the foundation of family life and the wellbeing of socletv.

Argyll Couple Counselling
(A Scoth'sh Charitable Incorporated Organisation)
Charity Reference SC023995
Trustees. Report
for the year ended 31 March 2025
Where we Work
The charity is an independent local service and a member of Relationships Scotland. Our area of
operation is the whole of Argyll & Bute, with a population of some 86,000 scattered over 26
inhabited islands, 6 main towns, 46 villages and 156 small settlements covering an area of 2,600
square miles. The majority of our area falls wlthln Highland Health Board with Helensburgh falling
within the Greater Glasgow and Clyde Health Board area.
How we achleve our objectives
We provide a confidential counselling servlce for people who are experlencing difficulties in their
marriage or any other personal relationship. Our service is offered to any adult individual or
couple regardless of race,. religion, gender or ability to contribute towards costs.
Achlevements and performance
Our achlevements over the year
Argyll Couple Counselling operating under the name of Relationships Scotland
Couple
Counselling Argyll provlded a telephone and online counselllng seniice for the entire year, but
were able to offer a limited number of face to face appointments in Oban,
The demand for our sep4ice increased throughout the course of the year with 25% more clients
than the prevlous year and 16% more appolntments. Six percent of our cases came to us via GP'S
and social Workers. There were 69 children under the age of 16 belon8in8 to our clients. Thirtv
two percent of cases were from North Ar8yII , 26% from Helensburgh area, 18% from mid ar8yII,
14% from the islands and the remalnlng 7% from Kintyre and outslde Ar8yII, where travel to Oban
was possible for clients.
We supported four qualified couple counsellors and two student counsellors, Wlth only two being
local to Argyll. We were able to maintain our service by engaging counsellors from other parts of
Scotland, England and Ireland. This means that the opportunlty to provide face to face counselling
In Argyll continues to be Ilmited to Oban. An increasing number of clients from areas outside of
Oban asked for face to face appolntments in preference to on-line, which we were unable to
provide.
The Trustees supported the Part time Manager, with the day to day running of the charity. Board

Argyll Couple Counselling
{A Scottlsh Charitsble Incorporated Organisation)
Charity Reference SC023995
Trustees, R8POrt
for Ihe year ended 31 March 2025
How we fund our work
Twenty six percent of the appointments held were at no cost to the cllent, an Sncrease of 6% from
last year.
The majority of the yearfs funding comprised the Scottish Government's CYPFEIF & ALEC grant
distributed by Relationships Scotland,
This report was approved by the board on
and signed on Its behalf by

Argyll Couple Counselling
{A Scottish Charitable Incorporated Organisation)
Independent examinerfs report to the directors on the unaudited financial ststements of
Argyll Couple Counselling
I report to the charity trustees on the accounts for the year ended 31 March 2025.
Re5pe¢tlv• responsibilities of Trustees and examlner
The Trustees are responsible for the preparation of the accounts in accordance with the terms of
the Charitles and Trustee Investrnent (Scotland) Act 2005 and Charities Accounts {Scotlandl
Regulations 2006 (as amended). The Trustees conslder that the audit requirement of Regulation
10111 {d) of the 2006 Accounts Regulatlons does not apply. It Is my responslbillty to examlne the
accounts as required under section 44(1) (c) of the Act and to state whether partlcular matters
have come to my attention.
Basls of Independent examlner's statement
My examination 15 carried out in accordance with Regulation 11 of the 2006 Accounts
Regulations. An examination includes a review of the accounting records kept by the charity and
a comparison of the accounts presented wlth those records. It also includes consideration of anv
unusual iterns or disclosures in the accounts, and seeks explanations from the trustees
concerning any such matters. The procedures undertaken do not provlde all the evidencÈ that
would be requlred in an audit, and consequently I do not express an audlt op5nion on the view
81ven by the accounts.
Independent examlner's statement
In the course of my examinatlon, no matter has come to my attentlon:
l. which gives me reasonable cause to believe that In any materlal respect the requlrements to
keep accounting records in accordance with Sertion 44{1}{a) of the 2005 Act and Regulation 4 of
the 2006 Accounts Regulations to prepare accounts which accord with accounting records and
comply with Regulation 9 of the 2006 Accounts Re8ulatlons have not been met or,
2. to whlch, In my oplnlon, attentlon should be drawn in order to enable a proper understandlng
of the accounts to be reached.
Mackay and Co
120 George Street
Oban
PA34 5NT

Argyll Couple Counselling
A Scottish Charitable Incorporated Organisation
SC023995
Receipts and payments account
For the year ended 31 March 2025
2025
Total
Total funds
current porlod
to n•ar•st £
2024
Total
Total funds last
perlod
to n•af••t £
Unr•slrl¢ted
funds
R￿trIcted
funds
to n•aMst £
to noar••t £
Recelpts
Donations
Legacies
Grants
Gross receipts from charlt8ble
activitiés
Interest receivod
11,064
6,948
14,747
1,775
16,522
14,747
4,210
432
4,210
432
4,954
301
Sub total
30,453
1,775
32,228
26,951
R•colpt8 from as••t & Invostmont
salo•
Proceeds from salè of fixed assets
Sub total
Total rncelpts
30,453
1,775
32,228
26,961
Paym•nt•
Staff co$ls
Volunt&8r Iralnlng costs
Counselling expenses
Establishment costs
Motor and travelllng expenses
Accountancy fees
Legal and professional fees
Communlcations and IT
Other office expenses
Other costs
Advertlsing and promotlon
20.863
1,080
8,914
20,863
1,080
9,889
20,730
415
6,376
975
732
732
716
1,202
600
716
1,202
600
1,526
1,942
Sub total
34,108
975
35,083
31.829
Paym•nts rglatlng to asset and
Inv•stment movements
Purchases of fixed asséts
Purchase of inv6strn8nts
Sub total
Total payments
34,108
975
35,083
31,829
Net recelpts / (payments)
(3,655)
800
(2,8551
(4,878
Transfers to l (from) funds
Surplus l (deficit) for year
3,655
2.855
4,878

Argyll Couplo Counselling
A Scottlsh Charitable Incorporated Organisalion
Year ended 31 March 2025
Charlty Reference
SC023995
Statement ol balancas
Unre5tr1Gtod R•strl¢ted
fund$
funds Total 2024
Total 2024
Opening cash at bank and In hand
SurplusllDeficil) lor the year
34.920
{3.6551
34.920
(2,855)
39,799
14,878)
800
Closing cash at bank and in hand
31,265
800
32.065
34.920
Bank and Cash 8alan¢•s
Bank current account
R8S reseNes account
PayP81
Cash In hand
7.6g9
23.073
410
83
7.699
23,873
410
83
32,065
11.151
23,541
800
160
34.920
800
(Xher Ilabllftlgi
PAYE owed
Pension conlribullon owed
579
353
932
S79
353
932
353
839

Argyll Couple Counselling
A Scottish Charitable InGorporaled Organisation
Notes to the R8CelPts and Payments accounts
Year ended 31 March 2025
1 Grants
Unr•strlcted Restrlcted
funds
funds
2025
Total
2024
Total
S¢ottl$h Government CYPFEIF & ALEC Grant Fund
Argyll & Bute Councll
Communltles Mental Health & Wellbeing Fund
14,747
14,747
14,747
1.775
1.775
1,775
16,522
14,747
14,747
Unrestrlcted Restrlcted
funds
funds
2025
Total
2024
Total
2 Employmont CO8t*
Wages and salaries
Pension costs
20,268
595
20,268
595
18,241
2,489
20,863
20.863
20,730
No employee recelved emoluments of more than £60,000 {2024: None)
The average number of 8mployees durlng the year, was as follows:
2025
2024
Manager & Support Workar
Key Management Personnel
The key management personnal comprise the Board of Trustees and the charity Manager.
Trusto08' expenses and remuneratlon
The charity trustees y￿re not paid and did not receive any remuneration, benefits in kind or
reimburs8ment of expenses in their capaciy as trustee during the year, No trustee received payment
for professional or other servlce8 supplied to the charlty.
3 Transactlons wlth trusteos and connected persons
There were no transactions wth trustees or connected persons during the year under review.

Argyll Couple Counselling
A Scottish Charitable Incorporated Organisation
Notes to the Receipts and Pa￿ents accounts
Year ended 31 March 2025
4 P•n8lon costs
The company operates a definied contribution pension scheme. The scheme and its
assets are held by independent managers. The pension charges represent contributions
due from the company and was as follows:
2025
2024
Pension charge
595
2,489
5 Funds
R•strlctod funds
At Incomlng Outgolng
At
1 Aprll resources r•source$ Transfers 31 March
2024
2025
Argyll Third Sector
1,775
(975)
800
1,775
1975)
800
During the 2024-25 year £1,775 was recelved from Argyll & Bute Third Sector fund to cover the
counselling costs of 65 waived appolntmenls at £25 per appolntment and 15 no show appointments
at £10 per appointment.
Unrestrlct•d and d•slgnat•d funds
At Incomlng Outgolng
At
1 Aprll rnsourcos r•sources Tran8f•rs 31 March
2024
2024
Unrestricted funds
Sustalnabilily fund
Training fund
11,920
8,000
15,000
30,453
(34,108)
8,265
8,000
15,000
34,920
30,453
34,108
31,265
Sustalnablllty fund
The sustainability fund represents the amounts set aside to cover core operating costs
In the event of loss of recurring funding.
Trainlng fund
The training fund respresents an amount set aside for training of new ¢ounsellors should
this be required.
Unrestrlcted funds
The remaining funds are shown in unrestricted funds and are free to use as the charity sees fit.
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