Charity registration number 1146257 (England and Wales)
Company registration number 07945758
ACCOMMODATION CONCERN
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
ACCOMMODATION CONCERN
LEGAL AND ADMINISTRATIVE INFORMATION
Trustees
Mrs B A Prince
Mr G R Perkins
Mr D Roche
Ms K M Exall
Ms S L Isaacson
Mr O White
(Appointed 20 September 2024)
Senior management
J Z Moore
Chief executive officer (resigned 9 June 2025)
J Perry
Interim senior director
Charity number (England and Wales)
1146257
Company number
07945758
Registered office
1 Meadow Road
Kettering
Northamptonshire
NN16 8TL
Auditor
Moore
Oakley House
Headway Business Park
3 Saxon Way West
Corby
Northamptonshire
NN18 9EZ
ACCOMMODATION CONCERN
CONTENTS
Page
Trustees report
1 - 6
Statement of trustees responsibilities
7
Independent auditor's report
8 - 10
Statement of financial activities
11
Balance sheet
12
Statement of cash flows
13
Notes to the financial statements
14 - 23
ACCOMMODATION CONCERN
TRUSTEES REPORT (INCLUDING DIRECTORS' REPORT)
FOR THE YEAR ENDED 31 MARCH 2025
- 1 -

The trustees present their annual report and financial statements for the year ended 31 March 2025.

The financial statements comply with the Charities Act, the Charity's Constitution and 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 Re-public of Ireland (FRS102) (updated 1 January 2019).

Objectives and activities

Accommodation Concern is registered with the Charity Commission. Its principal objectives are the prevention and relief of poverty and homelessness, by such means as the Trustees from time to time think fit.

 

Public benefit

 

The Trustees are satisfied that the Charity meets the definition of a public benefit entity under FRS102 and acknowledge that the charity complies with Section 4 of the Charities Act 2006 regarding providing a public benefit.

 

They have referred to the guidance in the Charity Commission's general guidance on Public Benefit when reviewing aims and objects and in planning future activities. In particular, the Trustees have considered how planned activities will contribute to the aims and objectives they have set. The Trustees ensure that these activities are carried out for the public benefit by delivering services that are valued by the people we support and enable those with responsibility in the sector to develop and adopt best practice, thereby promoting a transparent and efficiently managed charity that engenders public confidence and trust.

 

Accommodation Concern met its charitable objectives during the period April 2024 to March 2025 by delivering a diverse range of services to those in poverty, hardship, need and distress in Northamptonshire through the projects outlined below.

Achievements and performance

Accommodation Concern would like to express its thanks to its partners and funders:

 

•    North Northamptonshire Council

•    West Northamptonshire Council

•    Northamptonshire Healthcare Foundation Trust (NHFT)

•    Support North Northants (SNN)

•    Desborough Town Welfare

•    Tesco

•    Kettering Town Council

•    Housing Support Fund (HSF)

•    Nationwide

•    Glasspool

•    Thomas Brington

•    C2C Social Action

•    Department of Work and Pensions

•    Commonweal Housing

•    Garfield Weston 

•    Groundworks

•    St Martin in the Fields

•    Adi Group

•    University of Northampton

 

ACCOMMODATION CONCERN
TRUSTEES REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 2 -

Projects

Supported Accommodation

The Supported Accommodation project was established just over nine years ago and has steadily expanded since. The Charity currently manages a total of 17 properties, including three homes leased from North Northamptonshire Council and 14 properties rented from private landlords. We anticipate adding at least four more properties during the 2025/26 year. All of these provide intensive housing support specifically for single homeless individuals.

As part of our ongoing development, we are piloting one property dedicated to recently recognised refugees, supported by a feasibility study funded by Commonweal Housing.

Our Supported Accommodation service is managed by our Supported Accommodation Manager and supported by two Senior Tenancy Support Workers, eight Tenancy Support Workers, a Maintenance Officer, and two Administrators. This dedicated team ensures all properties comply with relevant regulations and that our service is prepared for upcoming changes under the Supported Accommodation Regulatory Oversight Act.

We are proud to see former residents giving back as volunteers with the Charity and we remain actively involved in the North Northamptonshire Council’s Supported Accommodation Task and Finish Group.

Looking ahead, we plan to continue growing this provision, with ambitions to expand further across North Northamptonshire.

Rough Sleeper Initiative properties (Funded by NNC through the Ministry for Housing, Communities, and Local Government (MHCLG)

This project concluded in April 2025, we are proud of the work we delivered during this period and understand that the initiative is now being continued in-house by NNC’s award-winning Never Give Up Project, part of the Rough Sleeper Initiative (RSI). The project was funded by NNC through the Ministry for Housing, Communities and Local Government (MHCLG) up until April 2025.

Although we no longer manage these properties, we continue to maintain excellent relationships with the Rough Sleeper Outreach team and work closely to support those sleeping rough across Northamptonshire.

During the project we managed six self-contained one-bedroom flats provided by NNC as part of the RSI Housing First accommodation model, we delivered intensive housing support to entrenched rough sleepers facing significant barriers such as poor housing histories, addictions, debts, and limited engagement with agencies. We are pleased to report remarkable success with this cohort, with several residents progressing to secure their own long-term accommodation.

Advice Centre

In the financial year 2024/25, the Advice Centre at Accommodation Concern managed 3,197 cases across debt, housing, and benefits. Through strategic partnerships with organisations such as NHFT, Nationwide, HSF (DWP NNC), Groundwork, and C2C, we delivered targeted advice projects that resulted in an estimated £4.5 million in financial gains for our clients, encompassing debt written off and benefits claimed.

To ensure the continued quality of service amidst growing demand, our Advice Team Leader has transitioned into the role of Quality Manager. This strategic move underscores our commitment to maintaining high standards and compliance, exemplified by our 100% score in the recent CMA debt audit.

Looking ahead, we are initiating a programme of digital modernisation within the Advice Centre. This includes developing in-house tools and exploring the integration of AI to enhance service delivery, ensuring we remain responsive to the evolving needs and challenges of the coming years.

ACCOMMODATION CONCERN
TRUSTEES REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 3 -

NHFT

Our largest funder for Advice services remains as Northamptonshire Healthcare NHS Foundation Trust (NHFT), through which we supported 817 clients during the financial year 2024/25. The NHFT contract enables us to provide housing, debt, and benefits advice to patients across the whole of Northamptonshire, including both North and West regions. We also maintain a consistent presence at every Mind Crisis Café throughout the county, offering vital support in these community settings. as well as taking referrals from the Community Mental Health Teams

Accommodation Concern plays an active part in the Mental Health Transformation Pilar and supports NHFT staff, as well as service users.

Desborough Library

Desborough Town Welfare continues to fund a satellite advice service held on Thursday afternoons in Desborough. This service plays a crucial role in reaching local residents who may find it difficult to access our main office in Kettering.

Household Support Fund (HSF) Projects – 2024/25 NNC and DWP

Accommodation Concern delivered three key projects under the Household Support Fund in partnership with North Northamptonshire Council and the Department for Work and Pensions.

The Benefits Advice Project provided free, independent welfare benefits advice across North Northamptonshire, focusing on vulnerable and low-income households. The project combined in-office advice with proactive outreach, including support for those digitally excluded or socially isolated. Advisers helped with new claims, changes of circumstances, disability benefits, overpayments, and appeals, ensuring clients could navigate complex benefits systems effectively.

The Budgeting and Financial Skills Project was designed to improve financial literacy by delivering workshops and one-to-one coaching on budgeting, income maximisation, and managing expenses. It targeted vulnerable groups including the elderly, refugees, and those experiencing fuel poverty, in both town and rural areas. The service emphasised practical tools, SMART goal setting, and ongoing volunteer coaching support, helping clients achieve greater financial stability and resilience.

The Floating Tenancy Support Project provided holistic tenancy sustainment support to prevent homelessness among vulnerable individuals across urban and rural North Northamptonshire. Support included practical help with budgeting, bill payments, property maintenance, and personal challenges such as substance misuse and low self-esteem. The project used tools like the Housing Outcome Star to tailor support plans and worked closely with related advice services for a joined-up approach.

More than 1000 households were supported by these projects in 24/25.

Together, these projects aimed to provide comprehensive financial, housing, and wellbeing support to those facing hardship during the ongoing cost of living crisis. They focused on empowering clients with the skills, knowledge, and practical assistance needed to secure and maintain stable housing and improve their financial situations.

SNN

Support North Northants (SNN) is a collaborative initiative led by Support Northamptonshire, alongside key partners such as Accommodation Concern, SERVE, Groundwork, and North Northamptonshire Council. This partnership aims to provide integrated support to residents across North Northamptonshire, focusing on delivering coordinated services that address housing, debt, and other social needs.

Under our Service Level Agreement (SLA) with SNN, Accommodation Concern delivers expert debt and housing advice to individuals and families facing financial challenges. By working within this collaborative framework, we ensure that clients receive holistic support tailored to their specific circumstances, facilitating improved outcomes and long-term resilience.

Demand for advice services continues to grow, and we are actively collaborating with local organisations to ensure that everyone in need can access the support they require.

ACCOMMODATION CONCERN
TRUSTEES REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 4 -

KCU / Trustee Trust Food Parcels

In the financial year 2024/25, Accommodation Concern distributed a total of 680 food parcels through the generous support of KCU and its partnership with the Trussell Trust. The estimated value of these parcels is approximately £28,495, providing essential support to individuals and families facing food insecurity amid the ongoing cost of living crisis.

Importantly, each food parcel is used as an opportunity to identify and address the underlying issues contributing to a client’s need. Clients are asked if they require further assistance with the root causes of their hardship, allowing us to provide holistic support and avoid creating a dependency on food aid.

Glasspool Flexible Frontline Fund

Launched in April 2024, the Glasspool Flexible Frontline Fund is Glasspool Charity Trust's sole grants programme, designed to support individuals facing financial hardship. Through this initiative, frontline organisations like Accommodation Concern receive dedicated budgets to provide grants directly to their service users. These grants are intended for essential items and services that enhance financial wellbeing and reduce distress.

In the financial year 2024/25, Accommodation Concern distributed approximately £55,000 in grants to clients across North Northamptonshire. These funds were utilised for essential household items such as carpets, rental deposits, and supermarket vouchers, addressing immediate needs and contributing to clients' financial stability. The flexibility of the fund allows us to respond promptly and effectively to the diverse requirements of those we support.

Weston Charity Awards & Pilotlight360

Accommodation Concern was honoured to receive a Weston Charity Award, a collaboration between the Garfield Weston Foundation and Pilotlight. This prestigious award included an unrestricted grant and access to the Pilotlight 360 programme, an eight-month leadership coaching initiative designed to support charities in enhancing their strategic resilience.

Throughout the programme, our senior management team engaged with experienced mentors from diverse sectors, focusing on organisational development, strategic planning, and long-term sustainability. While the immediate outcomes of this engagement were limited, the process provided valuable insights into our operational dynamics and highlighted areas for future consideration.

We appreciate the opportunity to have participated in this programme, as it underscored the importance of continuous reflection and adaptation in our efforts to support individuals facing homelessness and housing challenges across Northamptonshire.

 

Total Outputs

Over the year, the core team supported 3006 service users with a total of 5409 issues (a 39% increase on last year's numbers. This support was in the form of both face to face and remote advice sessions, visits, video and telephone calls, e-mails and letters.

We submitted 555 charity applications for clients enabling £137,092.63 of white goods rental deposits and emergency vouchers to be obtained.

Our Debt centre supported 410 people to have £1,108,459.26 worth of debt written off including £993,384.62 in 72 approved Debt Relief Orders. We now have two qualified in-house Debt Relief Order intermediaries.

We submitted 1593 benefit claims/appeals resulting in £2,136,161.35 of benefits being awarded to clients.

ACCOMMODATION CONCERN
TRUSTEES REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 5 -
Financial review

This has been a busy year learning embedding new ways of working to be responsive the needs of those seeking our help, especially as we are seeing more in-work poverty and to negative budgets without the usual income maximisation solutions being available. The cost-of-living crisis continues to affect everyone whatever their background or income,16% of our clients reported having no disability and around 17% reported to currently being in work.

The Charity's total income increased from £1,034,341 in 2023/24 to £1,541,043 (an increase of 49%).

The Charity continued to keep expenditure to the minimum, increasing in line with the growth of the charity from £953,649 in 2023/24 to £1,500,524 in 2024/25.

The Charity made a surplus of £40,519 in 2024/25 compared to a surplus of £80,692 in 2023/24.

The Charity's reserves increased from £196,003 at the beginning of the year to £236,522 at the end of the financial year.

At present the Charity's finances are sufficient and a full review of every project forecast that we will break even for the next financial year. The Charity has, and will continue to focus on its strengths, review ongoing costs and commitments and identify new opportunities as they arise.

Reserves Policy

The Charity needs reserves to ensure expenditure commitments can be met as they fall due. The Trustees’ aim is to retain reserves in available cash of £150,000. This policy is reviewed annually to ensure that it remains proportionate and reasonable.

At the year end they had total reserves of £236,522, of which £30,459 was restricted.

Risk Management

The Trustees have considered the major business and operational risks which the Charity faces and confirms that systems have been established so that necessary steps can be taken to lessen these risks. The SMT, has reviewed all the HR processes, as well as the Health & Safety and appointed Bespoke Health and Safety Ltd to oversee this on behalf of the Charity.

The office provision remains fit for purpose and meets H&S regulations. Staff continue to work from the office base (or delivery site) and/or home having implemented a hybrid working pattern.

The Trustees continue to meet regularly and carefully consider the risks of any new projects. The trustees responsible for HR, Finance and Governance continue to support the SMT in the oversight of these areas.

Plans for future periods

The Charity plans to consolidate its continued growth this year, whilst investigating in ensuring it has the infrastructure (Business units) in place to under pin and support a charity of this scope, remit and size.

The priority areas of focus remain to deliver a high quality, accredited Advice Centre offering Housing, Debt & Welfare Benefit Advice alongside the practical opportunities of also delivering high quality supported accommodation to those homeless people in need.

Structure, governance and management

Accommodation Concern is a registered charity, regulation no 1146257.

Accommodation Concern is the working name of Accommodation Concern a company limited by guarantee, company no 07945758.

Charity registration date - 6 March 2012.

The governing document is the Articles of Association incorporated on 10 February 2012.

The control of the charity rests with the trustees whose names are shown below.

The business of the charity is conducted by the chairperson and the trustees. The trustees meet on a regular basis to administer the affairs of the Charity.

ACCOMMODATION CONCERN
TRUSTEES REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 6 -
Mrs C E Smith-Haynes
(Resigned 1 April 2024)
Mrs B A Prince
Mr G R Perkins
Mr D Roche
Ms K M Exall
Ms S L Isaacson
Ms D Belfon
(Resigned 25 April 2024)
Mr S Wenham
(Appointed 20 September 2024 and resigned 2 August 2025)
Mr O White
(Appointed 20 September 2024)
Mrs J Moore
(Resigned 9 June 2025)

Recruitment and Appointment of Trustees

The Charity has a policy of recruiting new Trustees to add to the diversity of the current Board to include individuals from business, politics and practice.

Political donations

There were no political donations during the year. Charitable donations were made to various bodies in the normal course of the charity’s activities.

Auditor

The auditor, Moore, is deemed to be reappointed under section 487(2) of the Companies Act 2006.

The trustees report was approved by the Board of Trustees.

Mr G R Perkins
Trustee
19 September 2025
ACCOMMODATION CONCERN
STATEMENT OF TRUSTEES RESPONSIBILITIES  
FOR THE YEAR ENDED 31 MARCH 2025
- 7 -

The trustees, who are also the directors of Accommodation Concern for the purpose of company law, are responsible for preparing the Trustees Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law 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 charitable company for that year.

In preparing these financial statements, the trustees are required to:

- select suitable accounting policies and then apply them consistently;

- observe the methods and principles in the Charities SORP;

- make judgements and estimates that are reasonable and prudent; and

- prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in operation.

The trustees are responsible for keeping adequate accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. 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.

ACCOMMODATION CONCERN
INDEPENDENT AUDITOR'S REPORT
TO THE TRUSTEES OF ACCOMMODATION CONCERN
- 8 -

Opinion

We have audited the financial statements of Accommodation Concern (the ‘charity’) for the year ended 31 March 2025 which comprise the statement of financial activities, the balance sheet, the statement of cash flows and notes to the financial statements, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion, the financial statements:

-

give a true and fair view of the state of the charitable company's affairs as at 31 March 2025 and of its incoming resources and application of resources, for the year then ended;

-
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
-

have been prepared in accordance with the requirements of the Companies Act 2006.

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 Auditor's 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 other information comprises the information included in the annual report other than the financial statements and our auditor's report thereon. The trustees are responsible for the other information contained within the annual report. Our opinion on the financial statements does not cover the other information and we do not express any form of assurance conclusion thereon. 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 course of 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 in relation to which the Charities (Accounts and Reports) Regulations 2008 requires us to report to you if, in our opinion:

-

the information given in the financial statements is inconsistent in any material respect with the trustees report; or

-

sufficient accounting records have not been kept; or

-

the financial statements are not in agreement with the accounting records; or

-

we have not received all the information and explanations we require for our audit.

ACCOMMODATION CONCERN
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE TRUSTEES OF ACCOMMODATION CONCERN
- 9 -
Responsibilities of trustees

As explained more fully in the statement of trustees responsibilities, the trustees, who are also the directors of the charity for the purpose of company law, are responsible for the preparation of the financial statements and for being satisfied that they 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 charitable company or to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

We have been appointed as auditor 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 an auditor's report 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.

The extent to which our procedures are capable of detecting irregularities, including fraud, is detailed below.

Explanation as to what extent the audit was considered capable of detecting irregularities, including fraud

The objectives of our audit in respect of fraud, are; to identify and assess the risks of material misstatement of the financial statements due to fraud; to obtain sufficient appropriate audit evidence regarding the assessed risks of material misstatement due to fraud, through designing and implementing appropriate responses to those assessed risks; and to respond appropriately to instances of fraud or suspected fraud identified during the audit. However, the primary responsibility for the prevention and detection of fraud rests with both management and those charged with governance of the charity.

 

Our approach was as follows:

 

 

 

 

 

A further description of our responsibilities is available on the Financial Reporting Council’s website at: https://www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditor's report.

Other matters which we are required to address

The comparative figures in these financial statements have not been subject to audit.

ACCOMMODATION CONCERN
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE TRUSTEES OF ACCOMMODATION CONCERN
- 10 -

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 auditor’s 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.

Amanda Etty (Senior Statutory Auditor)
For and on behalf of Moore, Statutory Auditor
Chartered Accountants
Oakley House
Headway Business Park
3 Saxon Way West
Corby
Northamptonshire
NN18 9EZ
19 September 2025

Moore is eligible for appointment as auditor of the charity by virtue of its eligibility for appointment as auditor of a company under section 1212 of the Companies Act 2006.

ACCOMMODATION CONCERN
STATEMENT OF FINANCIAL ACTIVITIES
INCLUDING INCOME AND EXPENDITURE ACCOUNT
FOR THE YEAR ENDED 31 MARCH 2025
- 11 -
Unrestricted
Restricted
Total
Unrestricted
Restricted
Total
funds
funds
funds
funds
as restated
as restated
as restated
2025
2025
2025
2024
2024
2024
Notes
£
£
£
£
£
£
Income from:
Donations and legacies
3
20,211
-
20,211
13,614
-
13,614
Charitable activities
4
418,015
447,581
865,596
489,788
39,167
528,955
Other trading activities
5
655,236
-
655,236
491,772
-
491,772
Total income
1,093,462
447,581
1,541,043
995,174
39,167
1,034,341
Expenditure on:
Charitable activities

Expenditure on charitable activities

6
1,157,653
342,871
1,500,524
934,173
19,476
953,649
Total charitable expenditure
1,157,653
342,871
1,500,524
934,173
19,476
953,649
Net (outgoing)/incoming resources before transfers
(64,191)
104,710
40,519
61,001
19,691
80,692
Transfers between funds
95,567
(95,567)
-
-
-
-
Net income for the year/
Net movement in funds
31,376
9,143
40,519
61,001
19,691
80,692
Fund balances at 1 April 2024
As originally reported
7,749
64,320
134,036
113,686
1,625
115,311
Prior year adjustment
83,469
(21,502)
61,967
-
-
-
As restated
91,218
42,818
196,003
113,686
1,625
115,311
Fund balances at 31 March 2025
206,063
30,459
236,522
174,687
21,316
196,003

The statement of financial activities includes all gains and losses recognised in the year.

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The statement of financial activities also complies with the requirements for an income and expenditure account under the Companies Act 2006.
ACCOMMODATION CONCERN
BALANCE SHEET
AS AT
31 MARCH 2025
31 March 2025
- 12 -
2025
2024
as restated
Notes
£
£
£
£
Current assets
Debtors
12
73,691
39,143
Cash at bank and in hand
353,157
577,542
426,848
616,685
Creditors: amounts falling due within one year
13
(190,326)
(420,682)
Net current assets
236,522
196,003
The funds of the charity
Restricted income funds
15
30,459
21,316
Unrestricted funds
16
206,063
174,687
236,522
196,003

The company is entitled to the exemption from the audit requirement contained in section 477 of the Companies Act 2006, for the year ended 31 March 2025.

The trustees acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The financial statements were approved by the trustees on 19 September 2025
Mr G R Perkins
Trustee
Company registration number 07945758 (England and Wales)
ACCOMMODATION CONCERN
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 MARCH 2025
- 13 -
2025
2024
Notes
£
£
£
£
Cash flows from operating activities
Cash (absorbed by)/generated from operations
21
(224,385)
379,184
Net cash generated from investing activities
-
-
Net cash generated from financing activities
-
-
Net (decrease)/increase in cash and cash equivalents
(224,385)
379,184
Cash and cash equivalents at beginning of year
577,542
198,358
Cash and cash equivalents at end of year
353,157
577,542
ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
- 14 -
1
Accounting policies
Charity information

Accommodation Concern is a public benefit entity and a private company limited by guarantee, registered in United Kingdom and a registered charity in England and Wales. The address of the registered office is 1 Meadow Road, Kettering, Northamptonshire, NN16 8TL, United Kingdom.

1.1
Accounting convention

The financial statements have been prepared in accordance with the charity's governing document, the Companies Act 2006, FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the Charities SORP "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). The charity is a Public Benefit Entity as defined by FRS 102.

The financial statements are prepared in sterling, which is the functional currency of the charity. Monetary amounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2
Prior period error

A prior period adjustment has been included to reverse deferred income incorrectly included in the 2024 financial statements, and to reclassifiy the NHFT fund from restricted to unrestricted. See note 23 for further detail.

1.3
Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.4
Charitable funds

Unrestricted funds are available for use at the discretion of the trustees in furtherance of their charitable objectives.

Restricted funds are subject to specific conditions by donors or grantors as to how they may be used. The purposes and uses of the restricted funds are set out in the notes to the financial statements.

Endowment funds are subject to specific conditions by donors that the capital must be maintained by the charity.
1.5
Income
Income is recognised when the charity is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Other donations are recognised once the charity has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Legacies are recognised on receipt or otherwise if the charity has been notified of an impending distribution, the amount is known, and receipt is expected. If the amount is not known, the legacy is treated as a contingent asset.
ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 15 -
1.6
Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, 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 classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges are allocated on the portion of the asset’s use.

1.7
Cash and cash equivalents

Cash and cash equivalents include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

1.8
Financial instruments

The charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments.

 

Financial instruments are recognised in the charity's balance sheet when the charity becomes party to the contractual provisions of the instrument.

 

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

 

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

 

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. If not, they are presented as non-current liabilities. Trade creditors are recognised initially at transaction price and subsequently measured at amortised cost using the effective interest method.

Derecognition of financial liabilities

Financial liabilities are derecognised when the charity’s contractual obligations expire or are discharged or cancelled.

ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
1
Accounting policies
(Continued)
- 16 -
1.9
Taxation

As a charity, Accommodation Concern is exempt from tax on income and gains falling within Section 478 of the Corporation Taxes Act 2010, or Section 256 of Taxation of Chargeable Gains Act 1992. No charges have arisen.

1.10
Retirement benefits

Contributions to defined contribution plans are recognised as an expense in the period in which the related service is provided. Prepaid contributions are recognised as an asset to the extent that the prepayment will lead to a reduction in future payments or a cash refund.

 

When contributions are not expected to be settled wholly within 12 months of the end of the reporting date in which the employees render the related service, the liability is measured on a discounted present value basis. The unwinding of the discount is recognised as an expense in the period in which it arises.

1.11

Limited by guarantee

The company is limited by guarantee. Each of the members has agreed to contribute to the assets in the event of a deficiency on winding up of an amount not exceeding £1.

2
Critical accounting estimates and judgements

In the application of the charity’s accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

 

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

3
Income from donations and legacies
Unrestricted
Unrestricted
funds
funds
2025
2024
£
£
Donations and gifts
20,211
13,614
ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 17 -
4
Charitable activities
as restated

Charitable Income

Charitable Income

2025
2024
£
£
Grant income
500,596
210,819
Services provided under contract
365,000
318,136
865,596
528,955
Analysis by fund
Unrestricted funds
418,015
489,788
Restricted funds
447,581
39,167
865,596
528,955
5
Other trading activities
Unrestricted
Unrestricted
funds
funds
2025
2024
£
£

Income from Tenants - Housing Benefit

627,211
486,407
Income from Tenants - Tenant Contributions
28,025
5,366
655,236
491,772
ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 18 -
6
Expenditure on charitable activities
Expenditure on charitable activities
Expenditure on charitable activities
2025
2024
£
£
Direct costs
Charitable expenditure
749,605
336,568
Share of support and governance costs (see note 7)
Support
741,575
615,581
Governance
9,344
1,500
1,500,524
953,649
Analysis by fund
Unrestricted funds
1,157,653
934,173
Restricted funds
342,871
19,476
1,500,524
953,649
7
Support costs
Support costs
Governance costs
2025
Support costs
Governance costs
2024
£
£
£
£
£
£
Staff costs
633,833
-
633,833
497,659
-
497,659
Insurance
12,819
-
12,819
9,799
-
9,799
Repairs and renewals
519
-
519
-
-
-
General office
6,446
-
6,446
14,433
-
14,433

Premises costs

41,456
-
41,456
44,729
-
44,729

Legal and professional

4,612
-
4,612
11,530
11,530

Finance costs

295
-
295
162
-
162

Activity resource costs

921
-
921
8,610
-
8,610

Advertising & website

1,009
-
1,009
-
-
-

Communications and IT

21,080
-
21,080
18,471
-
18,471

Cleaning

3,914
-
3,914
1,140
-
1,140

Utilities

4,951
-
4,951
4,655
-
4,655

Travel and subsistence

9,720
-
9,720
4,394
-
4,394

Independent examination fee

-
-
-
1,500
1,500
Audit fees
-
9,344
9,344
-
-
-
741,575
9,344
750,919
615,581
1,500
617,081
Analysed between
Charitable activities
741,575
9,344
750,919
615,581
1,500
617,081
ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 19 -
8
Net movement in funds
2025
2024
£
£
The net movement in funds is stated after charging/(crediting):
Fees payable for the audit of the charity's financial statements
9,344
1,500
9
Trustees
None of the trustees (or any persons connected with them) received any remuneration or benefits from the charity during the year.
10
Employees

The average monthly number of employees during the year was:

2025
2024
Number
Number
30
18
Employment costs
2025
2024
£
£
Wages and salaries
850,118
506,647
The number of employees whose annual remuneration was more than £60,000 is as follows:
2025
2024
Number
Number
£60,001 to £70,000
1
-
Remuneration of key management personnel

The remuneration of key management personnel was as follows:

2025
2024
£
£
Aggregate compensation
68,250
50,076
11
Taxation

The charity is exempt from taxation on its activities because all its income is applied for charitable purposes.

ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 20 -
12
Debtors
2025
2024
Amounts falling due within one year:
£
£
Trade debtors
3,932
207
Other debtors
46,920
20,117
Prepayments and accrued income
22,839
18,819
73,691
39,143
13
Creditors: amounts falling due within one year
2025
2024
£
£
Trade creditors
210
20,012
Accruals and deferred income
190,116
400,670
190,326
420,682
14
Government grants

Grant income of £155,171 (2024 £387,506) has been deferred to 2025/26 financial year as it has been received ahead of the grant period it relates to.

 

During the current financial year £387,506 was released into income.

15
Restricted funds

The restricted funds of the charity comprise the unexpended balances of donations and grants held on trust subject to specific conditions by donors as to how they may be used.

At 1 April 2024
Incoming resources
Resources expended
Transfers
At 31 March 2025
£
£
£
£
£
Lloyds
10,485
-
-
(10,485)
-
Tudor
10,831
27,500
(32,194)
-
6,137
HSF
-
304,006
(218,924)
(85,082)
-
Nationwide
-
40,000
(24,826)
-
15,174
VRF Project
-
480
-
-
480
Glasspool
-
55,000
(56,040)
-
(1,040)
Commonweal Housing
-
-
(3,000)
-
(3,000)
Advise UK
-
1,000
(1,000)
-
-
SNN
-
8,615
(1,907)
-
6,708
VRF
-
180
(180)
-
-
Desborough Library
-
4,800
4,800
-
9,600
Thomas Brington Foundation
-
6,000
-
-
6,000
21,316
447,581
(342,871)
(95,567)
30,459
ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
15
Restricted funds
(Continued)
- 21 -
Previous year as restated:
At 1 April 2023
Incoming resources
Resources expended
Transfers
At 31 March 2024
£
£
£
£
£
Lloyds
(1,833)
22,500
(10,182)
-
10,485
Tudor
3,458
16,667
(9,294)
-
10,831
1,625
39,167
(19,476)
-
21,316
16
Unrestricted funds

The unrestricted funds of the charity comprise the unexpended balances of donations and grants which are not subject to specific conditions by donors and grantors as to how they may be used. These include designated funds which have been set aside out of unrestricted funds by the trustees for specific purposes.

At 1 April 2024
Incoming resources
Resources expended
Transfers
At 31 March 2025
£
£
£
£
£
General funds
174,687
1,093,462
(1,157,653)
95,567
206,063
Previous year as restated:
At 1 April 2023
Incoming resources
Resources expended
Transfers
At 31 March 2024
£
£
£
£
£
General funds
113,686
995,174
(934,173)
-
174,687
17
Analysis of net assets between funds
Unrestricted funds
Restricted funds
Total
Unrestricted funds
Restricted funds
Total
2025
2025
2025
2024
2024
2024
£
£
£
£
£
£
Fund balances at 31 March 2025 are represented by:
Current assets/(liabilities)
236,522
-
236,522
196,003
-
196,003
236,522
-
236,522
196,003
-
196,003
18
Defined contribution plans

The amount recognised in income or expenditure as an expense in relation to defined contributions plans was £15,164 (2024 - £9,635)

ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 22 -
19
Operating lease commitments

At the reporting end date the charity had outstanding commitments for future minimum lease payments under non-cancellable operating leases, which fall due as follows:

2025
2024
£
£
Within one year
197,633
104,968
Between two and five years
142,430
114,010
340,063
218,978
20
Related party transactions

There were no disclosable related party transactions during the year (2024 - £nil).

21
Cash (absorbed by)/generated from operations
2025
2024
£
£
Surplus for the year
40,519
80,692
Movements in working capital:
(Increase) in debtors
(34,548)
(35,283)
(Decrease)/increase in creditors
(230,356)
333,775
Cash (absorbed by)/generated from operations
(224,385)
379,184
22
Analysis of changes in net funds

The charity had no material debt during the year.

ACCOMMODATION CONCERN
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
- 23 -
23
Prior period adjustment
Changes to the balance sheet
At 31 March 2024
As previously reported
Adjustment
As restated
£
£
£
Creditors due within one year
Other creditors
(482,649)
61,967
(420,682)
Capital funds
Income funds
Restricted funds
42,818
(21,502)
21,316
Unrestricted funds
91,218
83,469
174,687
Total equity
134,036
61,967
196,003
Changes to the profit and loss account
Period ended 31 March 2024
As previously reported
Adjustment
As restated
£
£
£
Donations and legacies
13,614
-
13,614
Charitable activities
466,988
61,967
528,955
Other trading activities
491,772
-
491,772
972,374
61,967
1,034,341
Expenditure on:
Charitable activities
953,649
-
953,649
(953,649)
-
(953,649)
Net movement in funds
18,725
61,967
80,692
A prior period adjustment has been included to reverse deferred income incorrectly included in the 2024 financial statements. NHFT income and expenses have also been reclassified as unrestricted funds.
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