20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
CUMBERNAULD
POVERTY ACTION
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
GOVERNING DOCUMENT
Cumbernauld Poverty Action (SCIO) is an incorporated Scottish charity organisation
(number SC051570), governed by its constitution. The Management Committee made the
decision to apply for the charity to apply to become a Scottish Charitable Incorporated
Organisation. Approval was granted by OSCR on 7th February 2022.
APPOINTMENT OF TRUSTEES
Cumbernauld Poverty Action is directed by a Board. The maximum numbor of charity
trustees is g. out of that, no more than 4 shall be charity trustees who were
electedlappolnted under clauses 59 and 60 (or deemed to have
been appointed under clause 58)" and no more than 2 shall be charity trustees who were co-
opted under the provisions of clauses 63 and 64.
The Board meets not less than 4 times each year. Off ice-bearers are appointed by the board
who may co-opt up to 2 furth&r members, where deemed necessary, to sarve until the
followlng AGM.
MEMBERSHIP AND ADMINISTRATIVE STRUCTURE
The general structure of the organlsatlon conslsts of:_
The MEMBERS - who have the rlght to attend memb8rs' meetlngs (Includlng any annual
general meeting) and have important powers under the constitution; In particular, the
members appoint people to serve on the board and take decisions on changes to the
constitution itsolf.
The BOARD - who hold regular meetings, and generally control the activities of the
organisation; for examplo, the board is responsible for monitoring and controlling tho
financial position of tha organisation. The people serving on the board are referred to in this
constitution as CHARITY TRUSTEES.
CURRENTTRUSTEES
NAME
POSITION
Chairperson
Vice Chairperson
Secretary
Treasurer
Trustee
Deceased October 2024
Trustee
Trustee
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
CONTACT ADDRESS
The Muirfield Centre
1A South Muirhead Road
Cumbernauld
Lanarkshire
G67 1AX
CONTACT DETAILS
Website:
www.cumbernauld
Facebook -
facebook.com/cumbernauldpovertyaction
ve
action.or
.uk
CHARITABLE PURPOSES
The relief of povety, distress and hardship as a result of unemployment, disability or other
social or economic circumstances among the residents of North Lanarkshire.
OBJECTIVES AND AIMS
To provide advice, support, guldance and training to local people affected by
poverty andjor disability.
To promote awareness of the issues affecting people living in poverty, and the
initiatives availabla to help tackle poverty.
Recruit, train and support local voluntaers to help them gain skills and confidence
to enable them to seek employment.
ACTIVITIES AND ACHIEVEMENTS
In tha year 2024-2025 our Income maxlmlsatlon senilce reallsed over £727,000 In flnanclal
gains for your clients. The main reason for the significant jump In flgures from 2023-2024 Is
due to the Investment In the new Advice Pro case rnanagement system which has provided
Improved monltoring and reportlng, enabllng more accurate rneasurement of cllent Impact.
Unfortunately, we see no respite from the cost of living crisls as requests for crisis help
continued to increase over the year.
We distributed 98 fuel vouchers to local people struggling to heat their homes who were at
risk of self-disconnection. Through our work on the SGN Safe & Warm Scheme we provided
energy advice at tho same time to help ￿Ople reduce their energy usage and therefore
reduce their energy bills. Though our partnership working with Home Energy Scotland 8
clients were able to receive (at no cost) brand new central heating systems which will ensure
their homes are warm and also more energy efficient.
We were delighted to be offered breakfast iterns via our local Argos (Sainsburys) and 72
packs were distributed to clients. We also (working with Cumb8rnauld and Carbrain
Community Hub) were able to distribute food pantry vouchers to help people access free
nutritious food. This gave them the opportunity to see what the food pantry had on offer and
would hopefully encourage them to use it again to reduce their food costs long term.
Local companies very kindly donated Christmas gifts and Easter eggs for us to distribute to
our clients - we are delighted that Emerson wlll once again be partnering with us to provide
gifts for Christmas 2025.
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
ACTIVITIES AND ACHIEVEMENTS Contlnued...
We held a weekly warm space durlng the Winter months. We provided hot drinks and
snacks and the opportunity to have a benefits check, access wifi or just enjoy some
companionship for a few hours.
Unfortunately, during the course of the year one of our Trustees passed away and sadly a
member of our staff team passed away after a short illness. They will be well missed by all.
Community Enterprise provided us with free assistance to prepare a business plan which will
be helpful to provide information to current and potential funders and stakeholders about our
future plans.
FUTURE PLANS
Confirrned funding will enable home visits and regular outreach In Kilsyth during 2025-26,
while continued support from the SGN Safe & Warm Scheme will sustain energy advice and
fuel assistance in the face of rising energy prices Ihroughout the winter months. This is
particularly important given that the energy cap will rise again in October 2025.
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
FINANCIAL REVIEW
During the year ended 31 March 2025, Cumb8rnauld Poverty Action (SCIO) maintained a
stable financial position while responding to increasing demand for support caused by the
continuing cost-of-living crisis. The charity recorded a small surplus of £174 (2024:
£15,723), closing the year with total funds of £88,107 (2024: £87,933).
INCOME
Total income for the year was £94,641 (2024: £102,192), with the majority derived from
restricted grant funding (£90,626). Unrestricted income, including donations and local
authority contributions, amounted to £3,715.
Key funding partners included:
The Natlonal Lottery Communlty Fund £39,992
SGN Safe & Warm Scheme- £22,967
The Robertson Trust- £15,000
North Lanarkshlre Councll - £8.388 (varlous communlty funds)
Salnsbury's (Neighbourly), Cornerstone House Centre, VANL, and Indlvldual
donors
Whilo total income was slightly lower than the previous year, funding remained broad and
well diversified.
EXPENDITURE
Total expenditure rose to £94,166 (2024: £86,393), reflecting both Increased servlce delivery
and operating costs.
Stafflng costs: £60,578 (wages, HMRC, pensions)
Cllent support: £2,012 spent on fuel vouchers and other hardship relief
CO￿ operating costs: rent, broadband, insurance, IT, printing, volunteer expenses,
marketing
Capital investment: £1,445 (case rnanagement system and off ice equipment)
Governance: £1,696 (accountancy and compliance)
RESERVES
The Board's policy is to maintain unrestricted reserves equivalent to three months,
operatlng costs (approxirnately £49,156) to safeguard against funding interruptions and to
cover staff, rent, and redundancy obligations and any other payments. At year-end,
unrestrlcted reserves stood at £38,406, close to the target level, providing a prudent buffer
for the year ahead. The Board recognises the importance of growing unrestricted income to
strengthen long-term sustainability but is confident that reserves, partnerships, and a strong
grant portfolio provide a solid foundation for the corning year.
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
2025
Unrègtricted
Funds
2025
Restricted
Funds
2025
Total
Funds
CLOSING BANK (31.03.25)
Virgin Bank Current
Virgin Bank Savings
CLOSING BANK (31.03.25)
33.402
5.003
49.702
83,104
5,003
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
RECEIPTS AND PAYMENT ACCOUNT AS AT 31ST MARCH 2025
2025
2025
2025
Unrestricled Restricled Total
Funds
Funds Funds
2024
Total
Funds
RECEIPTS
Donations
Grant income
Other Income
TOTAL RECEIPTS
Notes
2,437
1,270
2,437
3,118
90,626 91,896 98,927
71
90,626 94,341 102,116
3,715
PAYMENTS
Payments for Charitable Activities
Capital Purchase
Governance
TOTAL PAYMENTS
SURPLUSI(DEFicrr)
1,669
89,358 91,026 84,898
1,445 1,445
1,683 1,696
1,494
92 485 94 166 86 393
174 15723
13
2025
2025
2025
Unrostrlctod Rastrlctod Total
Funds
Funds Funds
2024
Total
Fund8
BANK BALANCE AND CASH IN HAND
Opening Balances131.03.241
SURPLUSI(DEFicrr) FOR THE YEAR
CLOSING BANK (31.03.25)
36,372
51,561 87,933 72,133
174 15,723
49 702 88 107 87 856
Virgin Bank Curront
Virgin Bank Savings
CLOSING BANK (31.03.25)
33,402
49,702 83,104 87,933
5,003
49 702 88 107 87 933
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
NOTES TO ACCOUNTS
1. BASIS OF ACCOUNTING
These accounts have been prepared on the receipts and Payments Basis in accordance
with the charities and Trustee investment (Scotland) Act 2005 and the charities Accounts
(Scotland), Regulations 2006(as amended)
2. NATURE AND PURPOSE OF FUNDS,
Funds are made up of restricted grant incorne as woll as restricted and unrestrictod
donations from Cumbernauld Povarty Action. Cumbernauld povoty action dissolved and
donated funds to Cumbernauld poverty actlon (SCIO) funds are used for salarles, rent,
operating costs and charitable activities
3. TRUSTEE REMUNERATION
No remuneration has been paid to any trustees in accordance with section 67 of Ihe
Charities and Trustoe investrnent (Scotland) Act 2005. Thore were no other salaries paid to
any connocted porsons during the year. There wore no axpensas paid to trustaes or
connected persons durlng the year. Other than out of pocket expendlture.
RELATED PARTY TRANSACTIONS
There were no Transactions with trustees and connected persons during the year between
tha charity and any charity trustoe or parson connected to a charity trustee during the year
ended 31 March 2024.
4. DONATIONS & FUNDRAISING
2025
2025
Unrestricted R•stricl8d
Funds
Funds
2025
Tolal
Funds
2024
Total
Funds
Donations
3,118
TOTAL
S. GRANT INCOME
2025
2025
Unrestricted Restricted
Funds
Funds
2025
Total
Funds
2024
Total
Funds
Thg Robertson Trust
Voluntary Action North Lanarkshire
Sainsbury's (Neighbourly)
SGN Safe & Warm Scheme
The National Lottery Community Fund
Comerstone House Centre
Awards for all
North Lanarkshir8 Council (CGSI
North Lanarkshire Council
Peoplos Postcode Trust
TOTAL
15,000
3,249
1,500
22,967
39,992
800
15,000
3,249
1,500
22,967
39,992
19,613
38,916
10,000
1,000
4,398
25,000
1,270
7,118
8,388
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
MOVEMENT OF FUNDS
Opening
Balance £
8,133
2,515
Closing
Movement £ balance £
2.796
10.929
(2,358)
157
13.925
13.925
1,623
1,623
FUNDER
Restricted, SGN Safe & Wa￿n Scheme
Restricted, Awartls for All
Rastricted, The RotBrtson Trust
Rastricted, VANL-LAF
Rastricted, Sainsbury's (Naiqhbourly)
Rastricted. NLC Micro fund Community Ernpowerynent
TOTAL RESTRICTED FUND
UNRESTRICTED GENERAL FUNDS
TOTAL FUND
66
434
(1,710)
66
434
49.8SO
51,560
174
6. OTHER INCOME
2025
2025
Unrastrict8d Restrict8d
Funds
Funds
2025
Total
Funds
2024
Total
Funds
Bank Interest
Other Income
TOTAL
71
71
7.PAYMENTS FOR CHARITABLE ACTIVITIES
2025
2025
Unro8trict&d R8strict8d
Funds
Funds
2025
Total
Funds
2024
Total
Fund8
Staff Costs
HMRC Paid
Staff Training
Pensions Costs
Subscriptions
Rent
Advertising & Markating
Telaphone & broadbarKI
Volunteer Expenses
Milgage
Bank Feos
Fugl Vouchers
Household Hardship Fund paid
Insurance
Repairs & Maintenance
Office Furniture
Light, Power, Heating
Office Costs
Printing & Literature
IT Expenses
Tido m8 ov8r
Events
Breakfast club supplies
Farm food vouchers
TOTAL
768
50,092
9,719
91
7,733
5,738
6,915
612
1,060
234
43
50,860
9,719
91
7,733
5,738
6,915
612
1,060
234
43
48,214
10.948
95
4,577
205
6,729
943
418
90
900
1,112
2,012
4,822
1,100
844
934
108
251
150
1,294
974
125
1,865
86
934
108
251
150
1,294
974
125
1,865
86
1,356
765
1,362
302
425
1,630
225
225
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
8 CAPITAL COSTS
2025
2025
Unrestricted Restricled
Funds
Funds
2025
Total
Funds
2024
Total
Funds
Capital Purchasa
TOTAL
9 GOVERNANCE
2025
2025
Unraslrictad Rostriclad
Funds
Funds
2025
Tolal
Funds
2024
Total
Fundg
Digital Accounting Servicos
Payroll Fees
TOTAL
480
480
175
13
13
175
9 STAFF COSTS
Wages are prepared by the Scottish Councll for Voluntary Organisations (SCVO).
2025
Totsl
2024
Toial
Staff Costs
HMFIC Paid
TOTAL
50.860
9.719
48,214
10,948
There are 4 members of staff 2 full-time worker and 2 sessional workers
10 FIXED ASSET POLICY
Cumbernauld Poverty Acllon (SCIO) establlshes £250 as the threshold amount before belng
added to Flxed asset register. All Items of a capital nature are expensed In the Recelpts and
Payments accounts. Assets are currently valued at hlstorlc cost.
2025 £
3,302
2024 £
2,098
All assets are valued at original cost
11. PREPAYMENTS
The charity has prepaid a subscriplion extension to housing system website for the p8riod 1
th
December 2024 to 30 November 2026.
12 RENT AGREEMENT
This is a continuous rental agreement with NLC for Rent and Broadband charges which Is
Invoiced annually, which has now been transferred to SCIO this is for £81 g per month.
13. LIABILITIES
HMRC and pensions have been fully paid to date
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
There are no other liabilities for the charity at this time
The independent examiners report atlached forms part of these accounts
The accounts for the year are attached and form part of this report.
The rep
tees on and signed on their behalf
Signed
Chairperson:
Date...... 07 Nov 2025 (UTQ
Signed
Vice Chair Person
07 Nov 2025 (Lrrci
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20f44c22-b153-46cc-a419-elll0c4798c8
CUMBERNAULD POVERTY ACTION (SCIO), SCOThISH CHARITY NUMBER SC051570
TRUSTEES ANNUAL REPORT AS AT 31- MARCH 2025
INDEPENDENT EXAMINER'S REPORTTO THE TRUSTEES OF CUMBERNALD
POVERTY ACTION
I report on the accounts of the charity for the year ended 3110312024, which are set out on
pages 1 to 8
RESPECTIVE RESPONSIBILITIES OF TRUSTEES AND EXAMINER the charity's trustees
are responsible for the preparation of the accounts in accordance with the terms of the
Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts {Scotland)
Regulations 2006. The charity trustees consider that the audit requirement of Regulation
10(1) {d) of the Charities Accounts {Scotland} Regulations 2006 does not apply. It is my
responsibility to examine the accounts as required under section 44{1) (c) of the Act and to
state whether particular matters have come to my attention.
BASIS OF INDEPENDENT EXAMINER'S STATEMENT My examination is carriod out in
accordance with Regulation 11 of the Charities Accounts (Scotland) Regulations 2006. An
exarnination includes a review of the accounting records kapt by the charity and a
comparison of tha accounts presented with those records. It also includes consideration of
any unusual items or disclosures In the accounts, and the seeking of explanations from you
as trustees concernlng any such matters. The procedures undertaken do not provlde all the
evldence that would be requlred In an audlt and, consequently, I do not express an audlt
opinion on the view given by the accounts.
INDEPENDENT EXAMINERS. STATEMENT
In tho courso of my examination, no matter has come to my attention:
1) which glves me reasonable cause to belleve that, In any materlal respect, the
requlrements
to keep accounting records in accordance with Section 44(1) (a) of the 2005 Act and
Regulation 4 of the 2006 Accounts Regulations, and
to preparo accounts which accord with tho accounting records and comply with
Regulation g of the 2006 Accounts Regulations
have not been mgt; or
2) to which, in my opinion, attention should be drawn in order lo enable a proper
understandin
of the accounts to be reached.
Signed
Finance
Professional Qualification
Address: Voluntary Action North Lanarkshire
90 Brandon Parade East
Motherwell
ML1 1LY
Date
10 Nov 2025 (UTC)
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