| REGISTERED COMPANY NUMBER: |
| REGISTERED CHARITY NUMBER: |
| Report of the Trustees and |
| Unaudited Financial Statements |
| for the Period 17th April 2024 to 30th April 2025 |
| for |
| UNITED 4 LIFE |
| REGISTERED COMPANY NUMBER: |
| REGISTERED CHARITY NUMBER: |
| Report of the Trustees and |
| Unaudited Financial Statements |
| for the Period 17th April 2024 to 30th April 2025 |
| for |
| UNITED 4 LIFE |
| UNITED 4 LIFE |
| Contents of the Financial Statements |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| Page |
| Reference and Administrative Details | 1 |
| Report of the Trustees | 2 | to | 3 |
| Independent Examiner's Report | 4 |
| Statement of Financial Activities | 5 |
| Balance Sheet | 6 | to | 7 |
| Notes to the Financial Statements | 8 | to | 9 |
| UNITED 4 LIFE |
| Reference and Administrative Details |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| TRUSTEES |
| REGISTERED OFFICE |
| REGISTERED COMPANY NUMBER |
| REGISTERED CHARITY NUMBER |
| INDEPENDENT EXAMINER | Silver Arc |
| Chartered Certified Accountants |
| 1 Quality Court |
| Chancery Lane |
| London |
| WC2A 1HR |
| UNITED 4 LIFE (REGISTERED NUMBER: 15654494) |
| Report of the Trustees |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| The trustees who are also directors of the charity for the purposes of the Companies Act 2006, present their report with the financial statements of the charity for the period 17th April 2024 to 30th April 2025. The trustees have adopted the provisions of 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). |
| INCORPORATION |
| The charitable company was incorporated on 17th April 2024 . |
| OBJECTIVES AND ACTIVITIES |
| Objectives and Activities |
| The purpose of United 4 Life is to relieve hardship and improve opportunities for people in need within our community. Our objectives include but are not limited to: |
| - Supporting individuals and families struggling with the cost of living. |
| - Helping young and deprived students gain access to tuition and learning support. |
| - Providing warm meals, blankets, and essential supplies to the homeless, particularly during winter. |
| - Assisting disadvantaged individuals to access training, resources, and opportunities to achieve better jobs and build sustainable careers. |
| During the past year, the charity has been in its early development stage. The trustees have volunteered their time to raise awareness, begin fundraising, and work with local partners to ensure that support reaches those most in need. |
| ACHIEVEMENTS AND PERFORMANCE |
| Charitable activities |
| Although our charity is still small and developing, we are proud of the meaningful impact we have achieved in a short period of time. The examples below highlight some of the key ways we have supported our community during the year: |
| Support for Students in Need: |
| In collaboration with a tuition centre, we were able to secure support for students from disadvantaged backgrounds. One student, Ridaul, sadly lost his father earlier in the year. His monthly tuition fees of £160 were a challenge for his family, so we successfully negotiated a 50% fee reduction to ease the financial pressure. |
| Another student, who was significantly behind in education and unable to afford private tuition, received a 40% discount on monthly fees thanks to our intervention. This allowed the child to access the additional lessons needed to make academic progress. |
| Building Relationships: |
| Over the year, trustees have worked to establish strong links with local organisations and tuition providers, ensuring that we can continue to support children and families who need assistance. |
| Voluntary Efforts: |
| At this stage, trustees are working on a voluntary basis with no salaries or remuneration being drawn, allowing all available funds to go directly towards charitable purposes. |
| FINANCIAL REVIEW |
| Reserves policy |
| Charity has funds applied to the relevant purpose. An analysis of expenditure is shown in the Statement of |
| Financial Activities on page 8. The reserves are kept at £795 of which 100% are held in bank. |
| The reserves currently stands at £795 and details are as follows: |
| Unrestricted funds £795 |
| Restricted funds £0 |
| UNITED 4 LIFE (REGISTERED NUMBER: 15654494) |
| Report of the Trustees |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| FUTURE PLANS |
| Looking ahead, the trustees intend to: |
| - Increase fundraising efforts so we can offer greater support with the cost of living to individuals and families. |
| - Expand our education support programme by partnering with more tuition centres and schools, helping deprived students access lessons and resources. |
| - Organise regular initiatives to provide warm meals, blankets, and winter kits for the homeless. |
| - Develop small-scale training and mentoring opportunities to help people in need improve their employability and secure better jobs. |
| - Continue to raise awareness in the community about the charity's mission and how people can support or benefit from it. |
| STRUCTURE, GOVERNANCE AND MANAGEMENT |
| Governing document |
| The charity is controlled by its governing document, a deed of trust, and constitutes a limited company, limited by guarantee, as defined by the Companies Act 2006. |
| Organisational structure |
| The charity is governed by its constitution and is overseen by a board of trustees. The trustees meet regularly to review progress, monitor finances, and plan future activities. |
| Trustees: |
| Trustee - Naveed Iqbal |
| Trustee - Toshiba Naveed |
| Trustee - Manohar Lal Palhi |
| Approved by order of the board of trustees on |
| Independent Examiner's Report to the Trustees of |
| United 4 Life |
| Independent examiner's report to the trustees of United 4 Life ('the Company') |
| I report to the charity trustees on my examination of the accounts of the Company for the period 17th April 2024 to 30th April 2025. |
| Responsibilities and basis of report |
| As the charity's trustees of the Company (and also its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act'). |
| Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts as carried out under Section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by the Charity Commission under Section 145(5) (b) of the 2011 Act. |
| Independent examiner's statement |
| I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe: |
| 1. | accounting records were not kept in respect of the Company as required by Section 386 of the 2006 Act; or |
| 2. | the accounts do not accord with those records; or |
| 3. | the accounts do not comply with the accounting requirements of Section 396 of the 2006 Act other than any requirement that the accounts give a true and fair view which is not a matter considered as part of an independent examination; or |
| 4. | the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities (applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)). |
| I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. |
| Usman Zahoor (FCCA) |
| The Association of Chartered Certified Accountants |
| Silver Arc |
| Chartered Certified Accountants |
| 1 Quality Court |
| Chancery Lane |
| London |
| WC2A 1HR |
| 12th January 2026 |
| UNITED 4 LIFE |
| Statement of Financial Activities |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| Unrestricted | Restricted | Total |
| fund | fund | funds |
| Notes | £ | £ | £ |
| INCOME AND ENDOWMENTS FROM |
| Charitable activities |
| Other income |
| Total |
| EXPENDITURE ON |
| Charitable activities |
| NET INCOME |
| TOTAL FUNDS CARRIED FORWARD |
| UNITED 4 LIFE (REGISTERED NUMBER: 15654494) |
| Balance Sheet |
| 30TH APRIL 2025 |
| Unrestricted | Restricted | Total |
| fund | fund | funds |
| Notes | £ | £ | £ |
| CURRENT ASSETS |
| Cash at bank |
| CREDITORS |
| Amounts falling due within one year | 3 | ( |
) | ( |
) |
| NET CURRENT ASSETS |
| TOTAL ASSETS LESS CURRENT LIABILITIES |
| NET ASSETS |
| FUNDS | 4 |
| Unrestricted funds |
| TOTAL FUNDS |
| The charitable company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the period ended 30th April 2025. |
| The members have not required the company to obtain an audit of its financial statements for the period ended 30th April 2025 in accordance with Section 476 of the Companies Act 2006. |
| The trustees acknowledge their responsibilities for |
| (a) | ensuring that the charitable company keeps accounting records that comply with Sections 386 and 387 of the Companies Act 2006 and |
| (b) | preparing financial statements which give a true and fair view of the state of affairs of the charitable company as at the end of each financial year and of its surplus or deficit for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the charitable company. |
| UNITED 4 LIFE (REGISTERED NUMBER: 15654494) |
| Balance Sheet - continued |
| 30TH APRIL 2025 |
| These financial statements have been prepared in accordance with the provisions applicable to charitable companies subject to the small companies regime. |
| The financial statements were approved by the Board of Trustees and authorised for issue on |
| UNITED 4 LIFE |
| Notes to the Financial Statements |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| 1. | ACCOUNTING POLICIES |
| Basis of preparing the financial statements |
| The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) '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)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Companies Act 2006. The financial statements have been prepared under the historical cost convention. |
| Income |
| All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably. |
| Expenditure |
| Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, 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 accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources. |
| Taxation |
| The charity is exempt from corporation tax on its charitable activities. |
| Fund accounting |
| Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees. |
| Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes. |
| Further explanation of the nature and purpose of each fund is included in the notes to the financial statements. |
| 2. | TRUSTEES' REMUNERATION AND BENEFITS |
| There were no trustees' remuneration or other benefits for the period ended 30th April 2025. |
| Trustees' expenses |
| There were no trustees' expenses paid for the period ended 30th April 2025. |
| UNITED 4 LIFE |
| Notes to the Financial Statements - continued |
| FOR THE PERIOD 17TH APRIL 2024 TO 30TH APRIL 2025 |
| 3. | CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR |
| £ |
| Accrued expenses |
| 4. | MOVEMENT IN FUNDS |
| Net |
| movement | At |
| in funds | 30.4.25 |
| £ | £ |
| Unrestricted funds |
| General fund | 795 | 795 |
| TOTAL FUNDS | 795 | 795 |
| Net movement in funds, included in the above are as follows: |
| Incoming | Resources | Movement |
| resources | expended | in funds |
| £ | £ | £ |
| Unrestricted funds |
| General fund | 32,802 | (32,007 | ) | 795 |
| TOTAL FUNDS | ( |
) | 795 |
| 5. | RELATED PARTY DISCLOSURES |