Company registration number 06596179 (England and Wales)
Charity registration number 1142914 (England and Wales)
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
LEGAL AND ADMINISTRATIVE INFORMATION
Trustees
Mr Y Kar
(Appointed 19 February 2026)
Mr Mahmut Gunaydin
Mr Rustam Aliyev
Secretary
Mr Huseyin Adak
Country of incorporation
United Kingdom
06596179
(England and Wales)
Charity registration
England and Wales
1142914
Registered office
110 Colindeep Lane
London
Middlesex
United Kingdom
NW9 6HB
Auditor
KPSR LLP
58 High Street
Pinner
Middlesex
HA5 5PZ
Accountants
KPSR LLP
58 High Street
Pinner
Middlesex
HA5 5PZ
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
CONTENTS
Page
Trustees' report
1 - 17
Statement of trustees' responsibilities
18
Independent auditor's report
19 - 21
Statement of financial activities
22
Balance sheet
23
Statement of cash flows
24
Notes to the financial statements
25 - 35
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT)
FOR THE YEAR ENDED 31 AUGUST 2025
- 1 -

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

 

The charity operates under the name North London Grammar School.

 

The headteacher during the period under review was Mr H F Adak.

 

Financial statements

 

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the School's governing document, the Companies Act 2006, FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" 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)".

 

 

Objectives and Activities

The primary objectives of the company, as set out in its Memorandum of Association, are to manage funds and apply income for charitable purposes for the public benefit, particularly in advancing education. This includes supporting individuals experiencing financial hardship through grants for services and facilities, and establishing and maintaining educational institutions such as nurseries, schools, colleges, and universities.

The charity aims to make a positive contribution to education by promoting awareness and engagement in key areas including technology, mathematics, science, music, sport, humanities, and the arts among students, parents, and the wider community. It also seeks to organise programmes and events that support disadvantaged members of society in developing the skills and capacity needed to participate fully in community life.

In addition, the charity is committed to promoting equality and diversity across England by encouraging the elimination of discrimination on the basis of race, religion, disability, or ethnic origin.

 

Strategies for Achieving Objectives

To deliver these aims effectively, the Trustees, together with the Headteacher and Senior Leadership Team, have agreed on a number of strategic priorities. These include providing high-quality education supported by excellent teaching, learning, and co-curricular opportunities for all pupils, regardless of background.

The School is committed to recruiting and retaining high-calibre staff and supporting their ongoing professional development. It also seeks to maintain a diverse pupil body by offering financial support, where possible, through means-tested bursaries funded by limited endowment resources and fundraising.

Embracing modern technology is a key priority, enabling pupils to develop independence in learning and prepare for future challenges. In line with its commitment to innovation in education, the School has integrated AI-assisted learning tools within the Key Stage 3 curriculum. This initiative is designed to enhance personalised feedback and strengthen digital literacy, ensuring that pupils are well prepared for an increasingly complex and evolving technological environment.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 2 -

The School strives to create a supportive pastoral environment where pupils feel safe, valued, and able to thrive, with opportunities to contribute to the community and develop a strong sense of service. To further strengthen its pastoral provision, the School has introduced ‘Wellbeing Wednesdays’, which include structured mindfulness sessions and peer support workshops. This initiative has contributed positively to pupil resilience and has been well received by the parent community.

 

Efforts are also focused on maintaining full enrolment across all year groups by attracting academically capable pupils who can benefit from the School’s rigorous academic provision. Strengthening relationships with stakeholders including parents, families, and alumni remains a priority, alongside building partnerships with other charities, outreach initiatives, and the wider community.

 

The School continues to make its facilities available for community use where appropriate, ensuring all safeguarding requirements are met.

 

In determining its activities, the Trustees have given due consideration to the guidance issued by the Charity Commission.

 

The Trustees confirm they have complied with the duty to have due regard to the Charity Commission's public benefit guidance, particularly in relation to advancing education and reducing financial barriers to access.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 3 -

Activities to Achieve Charity Objectives for Public Benefit

Bursary Provision
North London Grammar School is committed to ensuring that access to education is not limited by financial circumstances. To support this aim, the School offers fee assistance through its bursary programme to eligible students. In the 2023–2024 academic year, 15 students benefited from bursaries totalling £47,137. In the following year (2024–2025 academic year), this increased to 19 students, with £74,969 awarded in financial support.

The School recognises that education extends beyond academic achievement and includes social interaction and shared experiences. Through its bursary provision, NLGS seeks to foster a diverse and inclusive student body, enriching the educational environment for all. Bursaries of up to 100% of tuition fees may be awarded, based on a range of criteria including performance in entrance assessments and interviews, potential contribution to the School community, family income and assets, and other relevant personal circumstances.

Bursaries remain a key element of the School’s admissions process. By offering financial support, NLGS aims to sustain a broad socio-economic mix within its student population, promoting fairness and inclusivity. The School carefully balances financial need with the individual strengths and potential each student brings to the community.

The School also recognises the long-term impact of education, understanding that its students will contribute to shaping society. By widening access to high-quality education, NLGS seeks to develop responsible, engaged, and forward-thinking individuals who can make meaningful contributions both locally and globally.

Scholarship Provision
North London Grammar School also offers full and partial scholarships to students across all year groups who demonstrate exceptional academic ability and strong learning skills suited to the School’s rigorous curriculum. These scholarships are awarded annually as a proportion of tuition fees.

In the previous academic year, 69 students received scholarship support amounting to £383,714. In the following year, the number of recipients increased slightly to 71 students, while the total number awarded decreased marginally to £380,364.

Scholarships are awarded through a thorough and competitive selection process, which considers academic performance alongside personal and family circumstances. The School also evaluates each student’s potential contribution to the wider school community and their ability to thrive within a demanding academic environment.

This programme forms a central part of the School’s commitment to excellence in education. By offering scholarships, NLGS continues to promote equal opportunity and ensure that capable students can benefit from the full range of educational experiences available.

 

REGULATORY COMPLIANCE AND SCHOOL DEVELOPMENT

North London Grammar School continues to operate under the oversight of the Independent Schools Inspectorate (ISI), ensuring that all aspects of its provision remain aligned with the required regulatory standards. Throughout the year, the School has maintained a strong focus on compliance, regularly reviewing and refining its policies, procedures, and day-to-day practices in areas such as safeguarding, curriculum delivery, and staff development.

The School Development Plan has been further strengthened to reflect ongoing priorities, with a continued emphasis on enhancing the quality of teaching and learning, as well as pastoral provision. This plan remains a central tool in driving sustained improvement across the School.

The Self-Evaluation Form (SEF) has also been updated and reviewed, providing a thorough and reflective assessment of the School’s performance. It continues to serve as a key document in identifying strengths and areas for development, supporting strategic planning and accountability.

Senior leaders have remained actively engaged with ISI guidance and professional development opportunities, including relevant briefings and webinars. These have supported the School in keeping up to date with best practice and regulatory expectations, ensuring that standards of education, safeguarding, and student welfare remain consistently high.

The School's safeguarding policies are reviewed annually, all staff receive regular training, and the designated safeguarding lead reports termly to Trustees.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 4 -

Executive Summary: Academic Year 2024–2025

The 2024–2025 academic year has been a period of significant achievement, growth, and national recognition for North London Grammar School (NLGS). This report outlines the School’s continued commitment to academic excellence, as demonstrated by the 2024 GCSE results, where over half of all grades achieved were Grade 7 or above. This performance, representing a positive upward trend, has placed NLGS among the top 1% nationally for GCSE outcomes.

Strategically, the School has reached a major milestone with a successful ISI Inspection in March 2025, receiving the highest possible report. Building on this success, the School has formally expanded its provision to include a nursery and junior school, extending our age range from 4 to 18 years. Following recognition by The Telegraph as one of the UK’s best value-for-money independent schools, NLGS enters the next academic year in a strong and well-established position.

CHARITABLE INITIATIVES AND COMMUNITY ENGAGEMENT

Coffee Morning for Macmillan Cancer Support

On Friday, 27 September 2024, the School welcomed members of the parent community to a coffee morning held in support of Macmillan Cancer Support. The School was honoured to host The Worshipful Mayor of Barnet, Councillor Tony Vourou, and Councillor Nagus Narenthira as our distinguished guests.

 

The event was a testament to the generosity, creativity, and community spirit of our parents, who contributed an impressive selection of home-baked cakes. Through their participation and kind donations, a total of £260 was raised for this important cause.

 

NLGS Sponsorship: New Year Goods Fair 2025

North London Grammar School was pleased to serve as the main sponsor and host a stall at the New Year Goods Fair 2025, held on 4 January 2025. The event, organised by UKHKer CIC and UK HKer Neighbourhood CIC, provided an excellent opportunity to engage with the local community and celebrate the New Year together.

 

The School was honoured to welcome a number of distinguished visitors to our stall, including Mayor of Barnet, Councillor Tony Vourou, Councillor Nagus Narenthira, and Councillor Humayune Khalick alongside our parents, students, and alumni.

 

The event was well attended and provided a valuable opportunity for community engagement.

 

Lotus Foundation

As part of our Culture Day celebration, a total of £100 was raised in support of the Lotus Foundation. This amount was generously contributed through voluntary donations, with attendees invited to donate £2 to sample a wide array of dishes representing the rich cultural diversity within our school community.

 

Jeans for Genes Day

On Friday, 20 September 2024, students and staff participated by wearing jeans in place of their usual uniforms, in exchange for a voluntary donation. The School community raised a total of £220, which contributed to funding research and providing much-needed support for families across the UK impacted by genetic disorders.

 

BBC Children in Need

During the year, Junior School pupils participated in activities supporting the BBC Children in Need appeal, demonstrating creativity and a strong sense of social responsibility.

Embracing the theme of “Heroes,” pupils came to school dressed as their personal role models—ranging from Pudsey Bear to inspirational figures from everyday life. In the afternoon, inspired by the Gladiators, students participated enthusiastically in a high-energy burpees challenge, demonstrating both their commitment and enthusiasm for the cause. A total of £41 was raised in support of the appeal.

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 5 -

Wings of Hope

A dedicated group of six Year 10 students took the initiative to organise a series of fundraising events in support of Wings of Hope, a charity focused on providing free education to underprivileged children around the world.

 

The fundraising activities included:

 

 

Through their collective efforts, the students raised a total of £213 demonstrating commendable initiative and social responsibility.

 

Anti-Bullying

On Friday, 28 February 2025, students in Years 7 to 9 participated in a “Wear Pink” initiative as part of The School’s commitment to promoting anti-bullying awareness and raised £46. By wearing an item of pink clothing, pupils demonstrated their support for standing against all forms of bullying and helped to reinforce a culture of kindness, inclusion, and respect within The School community.

 

Walk 2 Water Inspires Action

On 45 March 2025, representatives from the Time To Help (UK) charity delivered an engaging and thought-provoking assembly, Walk 2 Water, to raise awareness of the water crisis in Africa. Students explored issues such as water scarcity, sanitation, and conservation, and participated in an activity carrying heavy water-filled jerry cans to gain insight into the daily challenges faced by children accessing clean water. The charity also encouraged fundraising efforts to support the construction of wells, emphasising the transformative impact that reliable access to safe water can have on communities.

This event was primarily awareness-focused, and no specific fundraising target was set; however, students were encouraged to consider independent sponsorship.

 

The School community has demonstrated strong generosity through various initiatives throughout the year. The following events/initiatives took place raising a total of £1,464 with s summary of the results as outlined below:

 

 

 

 

 

 

 

 

Public benefit

The trustees have paid due regard to guidance issued by the Charity Commission in deciding what activities the School should undertake.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 6 -

ACADEMIC ACHIEVEMENTS

 

Outstanding GCSE Results – 2024

 

The School recorded strong academic outcomes in the 2024 GCSE examinations, facilitating successful transitions for the majority of pupils into their preferred post-16 destinations. Over half of all grades (51%) were awarded at Grade 7 or above, representing a marked improvement over the 45% achieved in 2023. These results reflect a sustained upward trend in academic standards and the efficacy of the School's teaching and learning strategies.

Key Highlights:

 

 

These results are a testament to our students’ commitment, perseverance, and the strong support network provided by our staff.

 

ISA Awards 2024 – NLGS Recognised as a Finalist

North London Grammar School has been named a finalist for two ISA Awards, in recognition of the success of our 3rd International Greenwich Olympiad 2024. This year, the Olympiad welcomed 449 students from 48 countries, showcasing a remarkable 310 projects.

 

Our school has been shortlisted in the following categories:

 

 

This recognition reflects The School’s continued commitment to excellence and engagement beyond the classroom.

 

School Community and Partnerships

 

Welcome Event for Junior School Parents

Held on 13 September 2024, Junior School parents were invited to attend an information evening providing the opportunity to meet with members of the Senior Leadership Team and class teachers. The event focused on outlining academic expectations, sharing curriculum overviews, and discussing strategies to support pupils throughout the academic year. Parents also had the opportunity to visit classrooms and engage with staff, helping to strengthen home–school partnerships.

 

Years 7 & 8 Parents Information Evening

On 19 September 2024, parents of students in Years 7 and 8 were invited to attend a Parent Information Evening designed to strengthen the partnership between home and school. The event provided an opportunity for parents to meet their child’s subject teachers and connect with other families within The School community.

The evening included a comprehensive overview of academic expectations, routines, and support structures in place for the year ahead. Key topics covered included school procedures, monitoring of pupil progress, communication channels between home and school, and information regarding extracurricular clubs and educational trips. Parents also had the opportunity to engage with members of the Senior Leadership Team and the Year 7 and 8 pastoral team through a dedicated question-and-answer session.

 

Culture Day Celebrations

On 18 October 2024, North London Grammar School celebrated Culture Day, an event designed to promote cultural awareness and appreciation within The School community. The Dining Hall was arranged to host a range of cultural stalls representing the diverse backgrounds within The School community. A diverse array of traditional sweets, savoury dishes, and beverages were shared, showcasing cultures from countries including Turkey, South Korea, Pakistan, South Africa, New Zealand, Iraq, and many others. The event provided a valuable opportunity for pupils to engage with and learn about the rich cultural diversity that exists within the School.

 

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 7 -

Winter Fair

The School’s dedicated Parent Association successfully organised the Annual Winter Fair, which took place on 8 December 2024. The event featured a wide range of engaging activities, including indoor games, arts and crafts, and face painting, providing an inclusive and engaging environment for all attendees.

A variety of food and refreshments were also available, generously contributed by members of the School community. The event raised a total of £585, which was donated to the Parent Association’s chosen charity, reflecting the generosity and community spirit of all involved.

 

SLT Coffee Morning

The SLT Coffee Morning on every term provided a valuable opportunity for parents and carers to engage with senior school leaders in an informal setting. The session facilitated the sharing of key school updates, including progress on strategic priorities and forthcoming initiatives. It also served as a platform for open discussion, allowing attendees to raise questions and provide feedback on recent developments.

 

Parent Association Meetings

Regular Parent Association meetings were held throughout the year, providing a structured forum for meaningful dialogue between parents and school representatives. The consistent engagement helped strengthen the partnership between home and school, ensuring that the parent voice remained integral to the development and continuous improvement of the School community.

 

Summer Fair (Friday Funday)

The final Friday of the 2024–2025 school year was marked with Friday Funday, where staff and parents hosted a variety of stalls—from scoubie making to candy floss, lucky dips to “splash the teacher,” and more. The event was well attended and provided a relaxed and enjoyable setting for students, parents, and staff to come together and celebrate the close of the School year.

 

CULTURAL AND ACADEMIC ENRICHMENT

 

Visitors From China

We were honoured to host distinguished guests from Aidi School, Beijing, including Sarah, Executive Vice Principal, and Cathy, Vice Principal of the British School Department. Their visit focused on gaining insights into UK school management, with discussions around curriculum management, student support systems, and data-driven decision-making.

 

Cultural Exchange with South Korea

We welcomed 86 visitors from South Korea, including headteachers, teachers, school leaders, and local representatives from the Ministry of Education. They participated in a school tour and attended several presentations covering key areas such as education, pastoral care, the University Foundation Programme (UFP), and the International Greenwich Olympiad (IGO). 

 

International Educators’ Visit – February 2025

In February 2025, North London Grammar School hosted approximately 130 senior educators, including Headteachers, Deputy Heads, teachers, Heads of Pastoral Care, student mentors, and careers advisers. These visitors represented both international and local schools from countries including South Korea, Laos, Albania, Malaysia, Indonesia, Bangladesh, Kazakhstan, Bosnia and Herzegovina, and Ghana.

 

As part of their participation in the BETT 2025 Conference, the group visited NLGS to tour The School and attend presentations highlighting key areas of our provision. These included our educational approach, pastoral care systems, the University Foundation Programme, and the International Greenwich Olympiad.

 

The visit was well received, with guests expressing appreciation for The School’s standards and values. It provided an excellent opportunity to showcase our commitment to academic excellence, student wellbeing, and the promotion of British values within a diverse, international environment. The visit also facilitated the exchange of best practice and helped to strengthen relationships with educators from across the globe.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 8 -

Visit by the Chief Executive Officer of the Independent Schools Council (ISC)

The Independent Schools Council (ISC) Chief Executive Officer, Ms Julie Robinson, visited the school during the academic year. During the visit, she met with staff and students and was briefed on the school’s educational provision, operational approach, and community values. The visit provided an opportunity to present the school’s practice and to engage with the wider independent education sector.

 

International Engagement and School Partnership Visits by the Headteacher

In February, the Headteacher undertook visits to schools and agencies in Albania, Moldova, Austria, Kosovo, and North Macedonia, where meetings were held with headteachers, school leaders, and teaching staff. These engagements provided an opportunity to present North London Grammar School (NLGS) and to explore potential areas of collaboration, including student exchange programmes, the University Foundation Programme (UFP), summer school provision, and the International Greenwich Olympiad (IGO). Engagement also took place with recruitment agencies responsible for student admissions to NLGS, ensuring they were fully informed of the school’s programmes and commission structure.

 

Over the course of the visit, approximately 17 schools, one university, one education agency, and representatives from the Department of Education of Moldova were engaged, alongside other institutional stakeholders. Several institutions indicated interest in developing collaborative partnerships with NLGS. In particular, the Department of Education of Moldova has expressed its willingness to formalise cooperation through a Memorandum of Understanding (MoU).

Discussions also indicated potential areas for future development, including student exchange programmes, the University Foundation Programme, dual qualification pathways, and teacher training initiatives.

 

EDUCATIONAL TRIPS & EVENTS

 

Duke of Edinburgh Expedition

On 4 October 2024, Year 10 and 11 students embarked on their Duke of Edinburgh Bronze Award expedition in the Chiltern Hills. Over the course of two days, they demonstrated self-sufficiency, setting up tents, cooking meals, and navigating the terrain over 14km each day. This experience also incorporated valuable lessons in first aid and emergency procedures.

 

New Scientist Live Trip

Year 11 attended the New Scientist Live at the ExCel center, London on the 14 October 2024. Students explored the latest innovations in STEM (science, technology, engineering and mathematics), which provided an opportunity for them to extend their learning beyond the classroom and gain hands-on experience with cutting-edge technology and scientific concepts.

 

Model United Nations in Prague

Students participated in an educational visit to Prague, Czech Republic, where they attended the 2024 MeriMUN (Meridian International School Model United Nations) conference and four of our students returned home with awards. Beyond the conference, our students had the chance to explore Prague’s cultural treasures. From the historic Old Town Square to the Clementinum Astronomical Tower and Kafka Museum.

 

Warsaw Model United Nations Delegates

Our students had an unforgettable experience attending the VLOMUN conferences in Warsaw. Students also participated in organised cultural and recreational activities, contributing to team cohesion and a positive overall experience.

The visit contributed positively to team cohesion and provided valuable opportunities for collaborative engagement among pupils.

 

Year 11 Music Trip to the London Coliseum

On 3 February 2025, Year 9, 10 and 11 students attended the English National Opera’s production of Mozart’s “Marriage of Figaro” at the London Coliseum. The opera displayed a brilliantly chaotic plot grounded by some magnificent music by Mozart at his peak.

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 9 -

Year 10 Arsenal FC Languages Workshop

A group of our Year 10 students had the valuable opportunity to attend a languages workshop hosted at Arsenal Football Club, organised by Pearson Edexcel. The event was designed to highlight the importance and relevance of language learning in today’s globalised world.

The workshop featured a series of inspiring and interactive sessions, during which students explored how language skills can broaden career opportunities across diverse sectors such as medicine, media, and the armed forces—many of which offer the potential for international travel and collaboration.

The day concluded with a lively “Languages Got Talent” showcase, where students from participating schools demonstrated their linguistic abilities through a variety of creative performances, including music, dance, and drama.

 

Scholars Club Trip to Oxford

Year 10 students visited Oxford University’s open day, touring historic colleges and the city. The trip provided valuable insight into university life and future study options.

 

ACADEMIC AND CAREER DEVELOPMENT INITIATIVES

Young Scholars Programme

In November 2024, the School launched its annual Young Scholars Programme during the More Able and Talented (MaT) Evening. This initiative reflects the School’s commitment to providing appropriate challenge and enrichment for high-achieving pupils.

The evening served as a celebration of academic excellence and student talent across a broad spectrum of disciplines, including STEM, Music, Science, and global themes such as sustainability. It was a showcase of the intellectual curiosity, creativity, and ambition we seek to nurture through the programme, encouraging students to pursue excellence in all areas of their learning and development. The newly formed 'Eco-Committee,' led by student ambassadors, has initiated a school-wide recycling programme and a 'Green Week' to reduce the School's carbon footprint. These efforts align with the UN Sustainable Development Goals highlighted during the IGO exhibition.

 

Workshops Enhancing Student Skills

On Tuesday, 14 January 2025, students in Years 9 and 10, and on Friday, 21 March 2025, students in Years 9 and 11, participated in a series of academic development seminars delivered by Elevate Education. These sessions were designed to equip students with essential study skills to support their academic success.

Year 9 students focused on memory techniques, learning practical strategies such as visualisation and association to enhance recall and retention. Year 10 students engaged in a session on effective time management, exploring key skills including prioritisation, goal setting, and scheduling.

 

World Book Day

In celebration of World Book Day, the entire school community came together to promote reading and engagement with literature. Both the Junior and Senior Schools undertook significant efforts to create immersive, themed environments within their corridors and classrooms.

 

The Junior School hosted a series of themed activities inspired by Treasure Island, designed to promote engagement with reading and literature. Throughout the day, students participated in a variety of themed activities, including a treasure hunt, designing their own maps, and engaging in a Treasure Island quiz—all designed to deepen their engagement with storytelling and imaginative play.

 

Meanwhile, the Senior School brought to life the theme of an Enchanted Forest, with students and staff embracing the occasion by dressing up as their favourite literary characters. The day offered a creative and engaging way for pupils across all age groups to connect with books and reading in a memorable and meaningful way.

 

Scholastic Book Fair 2025

The NLGS Library successfully hosted the annual Scholastic Book Fair, which was met with great enthusiasm from students across all year groups. Pupils were eager to browse the diverse selection of titles, which included new releases, popular works for both Junior and Senior students, as well as a variety of stationery items.

The fair achieved its initial sales target of £300, thereby enabling the School to earn Scholastic rewards. These rewards were used to acquire additional books and resources for the School libraries, further enriching our reading provision and promoting a culture of literacy across the School community.

 

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 10 -

Junior School Maths Week

In February 2025, Junior School held its annual Maths Week, a dedicated initiative aimed at fostering a love for mathematics and highlighting its relevance in everyday life. Throughout the week, pupils engaged in a wide range of interactive activities designed to make mathematical concepts both enjoyable and accessible.

 

Junior School Science Week

The Junior School celebrated Science Week with a focus on the theme ‘Change and Adapt’, designed to deepen pupils’ understanding of scientific principles through hands-on learning and enquiry-based activities.

 

Throughout the week, students participated in a variety of engaging investigations aligned with the theme. These included testing the pH levels of everyday substances using a red cabbage indicator, and a chemical reaction experiment where Year 3 and 4 pupils created self-inflating balloons using vinegar and bicarbonate of soda.

The week culminated in the Junior School’s second annual Science Exhibition, where each pupil presented a three-dimensional model illustrating their interpretation of Change and Adapt. The exhibition served as a celebration of students’ creativity, scientific understanding, and enthusiasm for discovery, while also providing an opportunity to share their work with peers, staff, and families.

 

Professional Membership – Independent Schools’ Bursars Association (ISBA)
North London Grammar School has become a member of the Independent Schools’ Bursars Association (ISBA). This membership provides access to sector updates, financial and operational best practice, and professional support in school management. It enhances the School’s ability to respond to regulatory change, strengthen financial planning, and improve operational efficiency across administrative functions.

 

 

STUDENT ACHIEVEMENTS

IGO

The fourth annual International Greenwich Olympiad (IGO) took place from 22–28 June 2025 across Oxford and London, bringing together an international cohort of 522 students (aged 10–18) and 186 supervisors representing 53 countries. Participants showcased a total of 356 innovative projects across 13 categories.

This year marked a significant expansion of the Olympiad with the introduction of Health Sciences and Drama as new categories, offering students further opportunities to integrate creativity with scientific exploration.

 

A key highlight of the week was the Day 3 exhibition, hosted at Queen Mary University of London, where students presented high-calibre research and artistic projects addressing real-world issues aligned with the United Nations Sustainable Development Goals (SDGs), including sustainability, health, education, and technology.

The week-long programme, which included the academic exhibition, cultural excursions, and the Awards Ceremony held at King’s College London, was well attended and successfully delivered.

 

International Engagement and Visitors during the International Greenwich Olympiad (IGO)

Throughout the Olympiad week, the School welcomed a number of distinguished visitors, including representatives from international schools, universities, educational organisations, diplomatic missions, and professional bodies. These guests attended various elements of the programme, including student exhibitions, presentations, and the awards ceremony.

 

Their participation provided valuable opportunities to observe student-led research and innovation across multiple disciplines, as well as to engage with the School’s wider educational ethos and commitment to global citizenship. Discussions held during the event covered areas such as curriculum development, educational partnerships, student progression pathways, and the promotion of STEM and interdisciplinary learning.

 

The presence of international guests during IGO further strengthened the School’s global partnerships and supported its strategic aim of fostering collaboration, sharing best practice, and promoting educational excellence on an international scale.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 11 -

UK Biology Challenge

Students in Key Stage 4 participated in the prestigious national Biology Challenge competition, an annual event aimed at inspiring and extending students’ interest and understanding of the life sciences.

Students achieved strong results in this year’s competition:

 

This represents a noteworthy accomplishment, particularly given that the competition is primarily targeted at Year 10 students, while a number of our award recipients were from younger year groups.

 

British Physics Challenge

On 9 May 2025, students from the STEM Club and Key Stage 4 enthusiastically participated in the Junior Physics Challenge, a prestigious national competition aimed at stimulating and extending the scientific thinking of young learners. The challenge featured a series of intellectually demanding problems, many of which were aligned with the current GCSE curriculum.

 

Results – Junior Physics Challenge (Years 9–10):

 

Results – Physics Challenge (Years 7–8):

 

These results reflect the strong engagement and high calibre of students’ scientific understanding across the School.

 

NLGS Selected as a Featured School – VIAM 2025

North London Grammar School has been selected as a featured school for the 2025 Voice in a Million (VIAM) Concert, to be held at the OVO Arena Wembley.

As part of this honour, our choir performed on stage alongside just three other schools, joining the mass choir in a rendition of Coldplay’s Yellow.

 

UKMT Junior Mathematical Challenge

On Thursday, 1 May 2025, 30 students from Years 7 and 8 participated in the UK Mathematics Trust (UKMT) Junior Mathematical Challenge. This nationally recognised competition presents students with a range of challenging mathematical problems designed to develop and test their problem-solving skills.

The students performed exceptionally well, earning the following distinctions:

 

 

This represents a significant achievement and reflects the strength of mathematical talent and enthusiasm within the School.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 12 -

Primary Maths Challenge

In the Primary Maths Challenge, our students achieved strong results, demonstrating both enthusiasm and academic ability in mathematics. A total of two students were awarded Gold certificates, recognising exceptional performance. Four students attained Silver awards, reflecting a high level of achievement, while six students received Bronze certificates for their commendable efforts. These outcomes highlight the School’s commitment to nurturing mathematical talent from an early age and encouraging pupils to engage in academic competitions. The success of our students in this national challenge is a testament to their hard work, the support of their teachers, and the strength of our curriculum.

 

Young Master Challenge

 

On 26 June 2025, students from Year 7 and 8 took part in the International Young Master Challenge at Queen Mary University. Students competed in both individual and team rounds in Maths and English categories.

 

Individual Results

English: 1st and 2nd place

Maths: 3rd place

Team Results

English: 1st, 2nd and 3rd place

Maths: 2nd and 3rd place

 

Alumnus Amaru Kaunda Secures First Professional Contract with Cambridge United

Former student Amaru Kaunda has signed his first professional deal with Cambridge United! The 18-year-old striker, who joined the club’s Academy at Under-15 level, has been awarded a one-year development contract after excelling as a Scholar.

Amaru said, “This is what I’ve been aiming for since I was a young boy, and it’s a truly proud moment for me and my family. I’m thrilled to continue my journey here and will keep working hard to prove myself as a professional.”

The School extends its best wishes to Amaru for continued success.

 

Taekwondo Success – Zain (Year 8)

Zain competed in the British Taekwondo Kyorugi National Championships on 5–6 October 2024 at the English Institute of Sport (EIS), Sheffield. He secured a silver medal, showcasing his dedication, focus, and hard work. Zain’s achievement exemplifies two of our core values—‘Bonitas’ and ‘Disciplina’—and demonstrates the commitment required to strive for excellence.

 

Cross Country Achievement – Omar (Year 10)

Omar delivered an outstanding performance at the ISA London North Cross Country Competition on 9 October 2024 at Abbot’s Hill School. Facing a challenging 3.5km hilly course, Omar completed the race in 14 minutes and 19 seconds, finishing 2nd out of 25 competitors. His impressive result has earned him a place at the ISA Cross Country Nationals, recognising his talent, determination, and sporting spirit.

 

Swimming Achievement – Sauren

The School recognises Sauren for his outstanding performance at the ISA London North Swimming Gala, held at Copthall Leisure Centre on 12 October 2024. Competing in both the 50m Butterfly and the 200m Individual Medley, he secured gold medals in both events, demonstrating a high level of achievement.

As a result of these achievements, he has qualified to represent the London North Region at the ISA National Championships.

 

Alumni Events

Alumni Dinner – All Former Cohorts

On Friday, 12 March 2025, North London Grammar School held an Alumni Dinner, bringing together former students and staff from all past cohorts. The event provided an opportunity for former students and staff to reconnect and reflect on their achievements since leaving the School. The Trustees extend their sincere thanks to all who attended and look forward to welcoming everyone again at future reunions.

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 13 -

NLGS Alumni Dinner – Class of 2024

On Friday, 8 November 2024, an alumni dinner was organised for the Class of 2024, hosted by Mr Shehu. The event took place in Holborn and provided a welcoming setting for former students to reconnect over a Turkish meal. It was an excellent opportunity to reflect on their transition to higher education and share their experiences since graduating from NLGS.

We extend our thanks to Mr Shehu for coordinating this successful and engaging event.

 

Alumni Gathering – Class of 2023

Our alumni dinner for the Class of 2023, held in January 2025 at a restaurant, provided an opportunity for former students and staff to reconnect and reflect. The event saw an excellent turnout of former students alongside current staff, creating a warm and celebratory atmosphere. The School looks forward to future opportunities to continue building and strengthening the NLGS community. Special thanks go to Mr Shehu for organising such a memorable and enjoyable gathering, which truly highlighted the enduring bonds within our school family.

 

Institutional Highlights

Recognition as One of the UK’s Best Value-for-Money Independent Schools

North London Grammar School has been recognised as one of the UK’s best value-for-money independent schools.

 

At a time when affordability in private education is a key concern, an analysis by The Telegraph highlights NLGS as a leading example of delivering strong academic outcomes alongside competitive fees. The study considered factors such as projected fee increases for 2025, average fee changes since 2022, and GCSE performance in 2023.

In 2023, NLGS students achieved 46.6% of GCSE grades at 7–9. This performance improved further in 2024, with 54% of grades awarded at 7–9.

 

The report also notes NLGS’s ‘Very Good’ rating, combined with comparatively lower fees than other local independent schools. This recognition reflects the School’s ongoing commitment to providing high-quality education while maintaining accessibility and value.

 

ISI Inspection March 2025

The School underwent a full inspection by the ISI. A team of inspectors conducted a comprehensive inspection over four days, reviewing all aspects of the School’s provision, including teaching, pastoral care, safeguarding, and leadership. The inspectors conducted interviews with students, teachers, governors, and all key stakeholders. The School received the highest possible outcome under the ISI inspection framework. This outstanding result reflects the exceptional quality of our school, as recognised by the national standards.

 

Strategic Growth: Reception and KS1 School Expansion

Following the inspection outcome, the School expanded its provision in September 2025 to include a Reception and KS1 School, extending the age range from 4 to 18.

 

Strategic Development: University Foundation Programme (UFP) Online Franchising

The School has entered into an agreement with an online education provider to establish an online franchising model for the University Foundation Programme (UFP). Through this partnership, the School’s bespoke UFP curriculum is being delivered to students via online learning. The arrangement is expected to generate income through per-student fees and renewal of agreements, while extending the reach of the School’s post-16 provision.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 14 -
Financial review

The results for the year are set out on page 22.

 

The trustees are satisfied with the financial position of the charity at the year end.

 

Primary Financial Sources: The charity's primary sources of financial support are fee income and contributions that align with its major objectives. The increase in the number of students has contributed to the rise in income.

 

Expenses: The majority of NLGS's expenses are staff salaries. The school's most valuable resource is its staff. The trustees' policy is to reward personnel appropriately to ensure that NLGS is able to attract and retain competent teaching and support staff to run the school efficiently and provide its students with excellent educational opportunities.

 

The trustees have taken great care to keep price increases to a minimum and have carefully considered staff and other costs in relation to school fee affordability.

 

Policy for Unrestricted Funds: The trustees have established a policy to maintain unrestricted funds that have not been designated for a specific purpose at a level that will ensure the school's day-to-day working capital needs are met. The trustees continually review the level of reserves to ensure that they are adequate.

 

NLGS has maintained a healthy financial position by carefully managing its expenses, increasing income, and establishing policies to ensure that it has sufficient reserves to meet its day-to-day working capital requirements.

Reserves Policy

It is the policy of the charity that unrestricted funds which have not been designated for a specific use should be maintained at a level to ensure that the day-to-day working capital requirements of the school are met. The level of reserves is kept under review by the trustees.

Principal Risks and Mitigation

The Trustees have reviewed the principal risks facing the charity, including pupil recruitment sustainability, regulatory compliance, safeguarding, and reputational risk. Systems are in place to mitigate these, including a rolling risk register reviewed termly by the Board, regular policy reviews, staff training, and monthly financial monitoring. No material risks were identified as unmanaged during the year.

 

Stakeholder Engagement

Parent and pupil voice is gathered through annual surveys, termly coffee mornings with the Senior Leadership Team, and a pupil leadership team comprising elected representatives from Years 10 to 13. Feedback from the 2024/25 parent survey informed changes to homework policy and co-curricular provision. A staff wellbeing survey was also conducted, leading to adjustments in meeting structures and professional development scheduling.

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 15 -
Plans for future periods

Future Plans for North London Grammar School

Looking ahead, North London Grammar School continues to develop ambitious plans to support sustainable growth, international engagement, and educational excellence across all stages of provision.

  1. Smart Building Initiative: As part of our ongoing commitment to providing an innovative and modern learning environment, we will continue progressing our Smart Building Initiative. This project aims to integrate the latest technologies into the school environment to enhance teaching, learning, communication, and operational efficiency, while also supporting sustainability and long-term campus development.

  2. Development of International Partnerships and Recruitment Networks: We plan to continue expanding our international partnerships and agency networks to support global student recruitment and collaboration opportunities. By strengthening relationships with educational organisations, schools, and agencies worldwide, we aim to further diversify our student body and broaden access to our educational programmes.

  3. Opening of Nursery Provision: As part of the school’s long-term development strategy, we are planning to open a Nursery class. This expansion will allow us to provide a continuous educational journey from early years through to pre-university education, supporting pupils from the earliest stages of their academic development within the North London Grammar School environment.

  4. Expansion of University Foundation Programme Franchising Centres: To further strengthen our position as a provider of high-quality university preparation pathways, we aim to significantly expand our University Foundation Programme (UFP) franchising network by establishing additional centres both nationally and internationally. Through these partnerships, we aim to provide more students with access to structured pathways leading to leading universities worldwide, whilst further enhancing the school’s international presence and reputation.

  5. Expansion of the International Greenwich Olympiad (IGO): Internationally, we aim to further strengthen the International Greenwich Olympiad (IGO) by increasing participation to students from at least 60 countries, reinforcing its position as a truly global academic competition. In addition, we plan to increase in-person attendance to over 400 participants, enhancing the scale, educational impact, and cultural exchange opportunities offered through the Olympiad.

  6. Enhancement of Digital Learning Platforms and Student Support: To support growing international engagement and improve accessibility, we aim to further develop our digital learning platforms and online educational resources. Alongside this, we will continue investing in enrichment activities, staff professional development, and enhanced student support services to ensure that the school’s growth is matched by continued quality, pastoral care, and academic excellence.

Together, these initiatives reflect North London Grammar School’s long-term vision of becoming a leading international educational institution recognised for academic strength, innovation, global engagement, and student-centred excellence.

 

Structure, governance and management

The Charity is governed by its Memorandum and Articles of Association, originally issued on 15 May 2008 and amended by resolution on 14 May 2011. It is incorporated as a company limited by guarantee under the Companies Act 2006.

 

The Charity’s primary objectives are to provide the highest standards of education in a safe and supportive environment, to promote the intellectual, moral, spiritual, cultural, and physical development of its pupils, and to prepare them for the opportunities and responsibilities of later life, for the public benefit.

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 16 -

Trustees during the year

The trustees, who are also the directors for the purpose of company law, and who served during the year and up to the date of signature of the financial statements were:

Mr Y Kar
(Appointed 19 February 2026)
Mr Selcuk Bassoy
(Resigned 19 February 2026)
Mr Mahmut Gunaydin
Mr Rustam Aliyev

Trustees' interests

 

 

None of the trustees has any beneficial interest in the company. All of the trustees are members of the company and guarantee to contribute £1 in the event of a winding up.

 

Recruitment and Appointment of Trustees
The management of the Charity is the responsibility of the Board of Trustees, who are elected or co-opted in accordance with the Articles of Association. Nominations for new trustees can be made by existing trustees or any member of the Charity. The board assesses candidates to ensure that it maintains a breadth of skills necessary for effective strategic leadership, in conjunction with the Headteacher. Appointed trustees retire at the next Annual General Meeting (AGM) and may be re-elected. Additionally, one-third of trustees who have served the longest since their last appointment retire annually to allow new appointments, and retired trustees may also be re-elected.

 

New trustees receive comprehensive induction and training, including briefing on their duties as directors and trustees. They are also provided with information about the Charity, including trustee skills matrices, recent board minutes, the Memorandum and Articles of Association, the latest trustees’ report and financial statements, and the School prospectus. Trustees are encouraged to engage with departments and observe lessons and activities firsthand, and they receive regular updates from the Headteacher and Senior Leadership Team (SLT) on key curricular developments.

 

Trustee Training and Development

During the year, Trustees completed training on charity governance, safeguarding duties, and the Charity Commission's guidance on public benefit. New Trustees receive a comprehensive induction pack and meet with the Headteacher and Senior Leadership Team.

 

Organisational Structure
The trustees hold ultimate responsibility for the management of the Charity and meet at least four times per year. All trustees serve voluntarily and receive no remuneration or expenses. No trustee or connected person benefits from bursaries or scholarships awarded by the School.

Day-to-day management of North London Grammar School is delegated to the Headteacher, supported by the SLT, who oversee educational, pastoral, and administrative functions. The Headteacher and relevant SLT members attend board meetings as required. The Memorandum and Articles of Association allow the Charity to have a maximum of 50 members at any one time.

Auditor

In accordance with the company's articles, a resolution proposing that KPSR LLP be reappointed as auditor of the company will be put at a General Meeting.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT AND STRATEGIC REPORT) (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 17 -
Disclosure of information to auditor

Each of the trustees has confirmed that there is no information of which they are aware which is relevant to the audit, but of which the auditor is unaware. They have further confirmed that they have taken appropriate steps to identify such relevant information and to establish that the auditor is aware of such information.

The trustees' report, including the strategic report, was approved by the Board of Trustees.

Mr Y Kar
Mr Rustam Aliyev
Trustee
Trustee
26 May 2026
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
STATEMENT OF TRUSTEES' RESPONSIBILITIES  
FOR THE YEAR ENDED 31 AUGUST 2025
- 18 -

The trustees, who are also the directors of Wisdom School 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 School 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;

- state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements; and

- prepare the financial statements on the going concern basis unless it is inappropriate to presume that the School 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 School 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 School and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
INDEPENDENT AUDITOR'S REPORT
TO THE TRUSTEES OF WISDOM SCHOOL
- 19 -

Opinion

We have audited the financial statements of Wisdom School (the ‘School’) for the year ended 31 August 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 August 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 School 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 School’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.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE TRUSTEES OF WISDOM SCHOOL
- 20 -
Responsibilities of trustees

As explained more fully in the statement of trustees' responsibilities, the trustees, who are also the directors of the School 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 School’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.

Irregularities, including fraud, are instances of non-compliance with laws and regulations.

We design procedures in line with our responsibilities, outlined above, to detect material misstatements in

respect of irregularities, including fraud. The extent to which our procedures are capable of detecting

irregularities, including fraud, is detailed below.

 

Discussions with and enquiries of management and those charged with governance were held with a view to identifying those laws and regulations that could be expected to have a material impact on the financial statements. During the engagement team briefing, the outcomes of these discussions and enquiries were shared with the team, as well as consideration as to where and how fraud may occur in the entity.

 

The following laws and regulations were identified as being of significance to the entity:

 

• Those laws and regulations considered to have a direct effect on the financial statements include UK financial reporting standards, Company Law, Charities Legislation, taxation and Pensions legislation.

 

• Those laws and regulations for which non-compliance may be fundamental to the operating aspects of the business and therefore may have a material effect on the financial statements include General Data Protection Requirement and general health and safety legislation.

Audit procedures undertaken in response to the potential risks relating to irregularities (which include fraud and non-compliance with laws and regulations) comprised of: inquiries of management and those charged with governance as to whether the entity complies with such laws and regulations; enquiries with the same concerning any actual or potential litigation or claims; inspection of relevant legal correspondence; review of board minutes; testing the appropriateness of journal entries; and the performance of analytical review to identify

unexpected movements in account balances which may be indicative of fraud.

No instances of material non-compliance were identified. However, the likelihood of detecting irregularities, including fraud, is limited by the inherent difficulty in detecting irregularities, the effectiveness of the entity’s controls, and the nature, timing and extent of the audit procedures performed. Irregularities that result from fraud might be inherently more difficult to detect than irregularities that result from error. As explained above, there is an unavoidable risk that material misstatements may not be detected, even though the audit has been planned and performed in accordance with ISAs (UK).

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
INDEPENDENT AUDITOR'S REPORT (CONTINUED)
TO THE TRUSTEES OF WISDOM SCHOOL
- 21 -

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.

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.

Rishil Patel, ACA
For and on behalf of KPSR LLP, Statutory Auditor
Chartered Accountants
58 High Street
Pinner
Middlesex
HA5 5PZ
26 May 2026

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

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
STATEMENT OF FINANCIAL ACTIVITIES
(INCLUDING INCOME AND EXPENDITURE ACCOUNT)
FOR THE YEAR ENDED 31 AUGUST 2025
- 22 -
Unrestricted
Restricted
Total
Unrestricted
Restricted
Total
funds
funds
funds
funds
2025
2025
2025
2024
2024
2024
Notes
£
£
£
£
£
£
Income from:
Donations and legacies
2
-
-
-
25
-
25
Charitable activities
3
4,018,803
-
4,018,803
3,594,390
-
3,594,390
Total income
4,018,803
-
4,018,803
3,594,415
-
3,594,415
Expenditure on:
Charitable activities
4
3,802,493
-
3,802,493
3,366,055
-
3,366,055
Other expenditure
10
105,114
-
105,114
123,205
-
123,205
Total expenditure
3,907,607
-
3,907,607
3,489,260
-
3,489,260
Net income and movement in funds
111,196
-
111,196
105,155
-
105,155
Reconciliation of funds:
Fund balances at 1 September 2024
2,280,017
4,895,196
7,175,213
2,174,862
4,895,196
7,070,058
Fund balances at 31 August 2025
2,391,213
4,895,196
7,286,409
2,280,017
4,895,196
7,175,213

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

The notes on pages 25 to 35 form part of these financial statements.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
BALANCE SHEET
AS AT
31 AUGUST 2025
31 August 2025
- 23 -
2025
2024
Notes
£
£
£
£
Fixed assets
Tangible assets
12
9,007,430
8,997,293
Current assets
Debtors
13
449,205
392,698
Cash at bank and in hand
576,355
745,786
1,025,560
1,138,484
Creditors: amounts falling due within one year
15
(1,585,620)
(1,658,346)
Net current liabilities
(560,060)
(519,862)
Total assets less current liabilities
8,447,370
8,477,431
Creditors: amounts falling due after more than one year
16
(1,160,961)
(1,302,218)
Net assets
7,286,409
7,175,213
The funds of the School
Restricted income funds
17
4,895,196
4,895,196
Unrestricted funds
18
2,391,213
2,280,017
7,286,409
7,175,213

The notes on pages 25 to 35 form part of these financial statements.

The directors 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 26 May 2026
Mr Y Kar
Mr Rustam Aliyev
Trustee
Trustee
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 AUGUST 2025
- 24 -
2025
2024
Notes
£
£
£
£
Cash flows from operating activities
Cash generated from operations
21
10,617
460,318
Investing activities
Purchase of tangible fixed assets
(55,042)
(1,702)
Net cash used in investing activities
(55,042)
(1,702)
Financing activities
Repayment of bank loans
(125,006)
(108,780)
Net cash used in financing activities
(125,006)
(108,780)
Net (decrease)/increase in cash and cash equivalents
(169,431)
349,836
Cash and cash equivalents at beginning of year
745,786
395,950
Cash and cash equivalents at end of year
576,355
745,786

The notes on pages 25 to 35 form part of these financial statements.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025
- 25 -
1
Accounting policies
Charity information

Wisdom School is a private company limited by guarantee incorporated in England and Wales. The registered office is 110 Colindeep Lane, London, Middlesex, NW9 6HB, United Kingdom.

1.1
Basis of preparation

These accounts have been prepared in accordance with FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”), “Accounting and Reporting by Charities” the Statement of Recommended Practice for charities applying FRS 102, the Companies Act 2006 and UK Generally Accepted Accounting Practice as it applies from 1 January 2015. The School is a Public Benefit Entity as defined by FRS 102.

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

The financial statements have been prepared on the historical cost convention, modified to include the revaluation of freehold properties and to include investment properties and certain financial instruments at fair value. The principal accounting policies adopted are set out below.

1.2
Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the School 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.

1.3
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 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 School.
1.4
Income
Income is recognised when the School 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 School 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 School 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.
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
1
Accounting policies
(Continued)
- 26 -
1.5
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.

 

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

1.6
Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Freehold land and buildings
not provided
Fixtures and fittings
15% on reducing balance
Computers
15% on reducing balance
Motor vehicles
25% on reducing balance

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is recognised in the statement of financial activities.

Freehold land and buildings are not depreciated on the basis that its residual value, based on current prices, is expected to be significantly higher than their carrying amount in the financial statements. The trustees review the residual value and useful life of the buildings annually

1.7
Impairment of fixed assets

At each reporting end date, the School reviews the carrying amounts of its tangible and intangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any).

1.8
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.

1.9
Financial instruments

The School 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 School's balance sheet when the School 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.

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
1
Accounting policies
(Continued)
- 27 -
Basic financial assets

Basic financial assets, which include trade and other receivables 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 trade and other payables, 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 receipts 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 payables are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Accounts 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 payables 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 School’s contractual obligations expire or are discharged or cancelled.

1.10
Employee benefits

The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

 

Termination benefits are recognised immediately as an expense when the School is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

1.11
Retirement benefits

Payments to defined contribution retirement benefit schemes are charged as an expense as they fall due.

2
Income from donations and legacies
Unrestricted
Unrestricted
funds
funds
2025
2024
£
£
Donations and gifts
-
25
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 28 -
3
Income from charitable activities
Unrestricted
Unrestricted
funds
funds
2025
2024
£
£
Charitable activities
School fees within charitable activities
3,638,883
3,324,865
Other income within charitable activities
379,920
269,525
4,018,803
3,594,390
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 29 -
4
Expenditure on charitable activities
School activities
School activities
2025
2024
£
£
Direct costs
Staff costs
2,272,774
1,996,277
Depreciation and impairment
44,905
44,477
Hire of plant and machinery
3,299
5,031
Facilities hire and rent
95,195
130,230
Rates and water
118,840
45,730
Insurance
31,915
27,713
Light and heat
80,018
81,826
Telephone
8,330
8,975
Postage and stationery
36,300
36,459
Sundries and subscriptions
23,822
43,886
Books and exam fees
39,218
40,548
Canteen and welfare
87,016
81,890
Advertising
70,624
22,053
Computer software
74,525
72,953
Fire and security
3,028
3,704
Cleaning
28,196
30,029
Repairs and maintenance
4,327
8,128
School bus
17,483
18,024
Legal and professional
51,250
67,493
Student activities and trips
152,289
108,588
Travel and subsistence
13,224
9,020
Uniform
744
500
Recruitment costs
16,574
19,771
Bank charges
7,160
5,303
Bad debt provision
24,904
(6,605)
3,305,960
2,902,003
Grant funding of activities (see note 5)
486,733
456,352
Share of support and governance costs (see note 6)
Governance
9,800
7,700
3,802,493
3,366,055
Analysis by fund
Unrestricted funds
3,802,493
3,366,055
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 30 -
5
Grants payable
School activities
School activities
2025
2024
£
£
Grants to individuals
486,733
456,352
6
Support costs allocated to activities
2025
2024
£
£
Governance costs
9,800
7,700
Analysed between:
School activities
9,800
7,700
7
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
7,000
5,700
Depreciation of owned tangible fixed assets
44,905
44,477
8
Trustees
None of the trustees (or any persons connected with them) received any remuneration or benefits from the School during the year.
9
Employees

The average monthly number of employees during the year was:

2025
2024
Number
Number
Management staff
3
3
Teaching
54
51
Total
57
54
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
9
Employees
(Continued)
- 31 -
Employment costs
2025
2024
£
£
Wages and salaries
2,072,805
1,838,428
Social security costs
199,969
157,849
2,272,774
1,996,277

Pension contributions of £48,363 (2024: £42,142) were paid to defined benefit pension schemes for the employees.

The number of employees whose annual remuneration was more than £60,000 is as follows:
2025
2024
Number
Number
£60,000 to £70,000
1
2
£80,000 to £90,000
1
-
Remuneration of key management personnel

The remuneration of key management personnel was as follows:

2025
2024
£
£
Aggregate compensation
194,200
177,760
10
Other expenditure
Unrestricted
Unrestricted
funds
funds
2025
2024
£
£
Financing costs
105,114
123,205
11
Taxation

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

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 32 -
12
Tangible fixed assets
Freehold land and buildings
Fixtures and fittings
Computers
Motor vehicles
Total
£
£
£
£
£
Cost
At 1 September 2024
8,762,674
420,074
109,180
48,695
9,340,623
Additions
3,353
43,371
8,318
-
55,042
At 31 August 2025
8,766,027
463,445
117,498
48,695
9,395,665
Depreciation and impairment
At 1 September 2024
-
247,474
66,755
29,101
343,330
Depreciation charged in the year
-
32,396
7,611
4,898
44,905
At 31 August 2025
-
279,870
74,366
33,999
388,235
Carrying amount
At 31 August 2025
8,766,027
183,575
43,132
14,696
9,007,430
At 31 August 2024
8,762,674
172,600
42,425
19,594
8,997,293

The trustees believe that the current value of the freehold property is in excess of its carrying value, no revaluation adjustments have been made in the financial statements in this respect.

13
Debtors
2025
2024
Amounts falling due within one year:
£
£
Trade debtors
260,795
261,011
Other debtors
12,608
67,976
Prepayments and accrued income
175,802
63,711
449,205
392,698
14
Loans and overdrafts
2025
2024
£
£
Bank loans
1,285,997
1,411,003
Payable within one year
125,036
108,785
Payable after one year
1,160,961
1,302,218

The bank loan is secured by a fixed and floating charge over the assets of the company including the freehold property.

 

The loan was originally taken out at the end of 2012 and has a term of 20 years. Interest is payable at 3% above the banks base rate.

 

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 33 -
15
Creditors: amounts falling due within one year
2025
2024
Notes
£
£
Bank loans
14
125,036
108,785
Other taxation and social security
119,811
-
Trade creditors
158,020
61,963
Deposits held and deferred income
1,167,101
1,476,498
Accruals
15,652
11,100
1,585,620
1,658,346
16
Creditors: amounts falling due after more than one year
2025
2024
Notes
£
£
Bank loans
14
1,160,961
1,302,218
17
Restricted funds

The restricted funds of the charity represent donations that were received in order to facilitate the purchase of the school building.

At 1 September 2024
At 31 August 2025
£
£
4,895,196
4,895,196
Previous year:
At 1 September 2023
At 31 August 2024
£
£
4,895,196
4,895,196
18
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 September 2024
Incoming resources
Resources expended
At 31 August 2025
£
£
£
£
General funds
2,280,017
4,018,803
(3,907,607)
2,391,213
WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
18
Unrestricted funds
(Continued)
- 34 -
Previous year:
At 1 September 2023
Incoming resources
Resources expended
At 31 August 2024
£
£
£
£
General funds
2,174,862
3,594,415
(3,489,260)
2,280,017
19
Analysis of net assets between funds
Unrestricted
Restricted
Total
funds
funds
2025
2025
2025
£
£
£
At 31 August 2025:
Tangible assets
2,826,237
6,181,193
9,007,430
Current assets/(liabilities)
(435,024)
(125,036)
(560,060)
Long term liabilities
-
(1,160,961)
(1,160,961)
2,391,213
4,895,196
7,286,409
Unrestricted
Restricted
Total
funds
funds
2024
2024
2024
£
£
£
At 31 August 2024:
Tangible assets
2,691,094
6,306,199
8,997,293
Current assets/(liabilities)
(411,077)
(108,785)
(519,862)
Long term liabilities
-
(1,302,218)
(1,302,218)
2,280,017
4,895,196
7,175,213

The freehold property was purchased using restricted funds advanced for this specific purpose, the associated bank loan has also been regarded as 'restricted' funds.

20
Related party transactions

There were no disclosable related party transactions during the year (2024 - none).

WISDOM SCHOOL
(NORTH LONDON GRAMMAR SCHOOL)
NOTES TO THE  FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 AUGUST 2025
- 35 -
21
Cash generated from operations
2025
2024
£
£
Surplus for the year
111,196
105,155
Adjustments for:
Depreciation and impairment of tangible fixed assets
44,905
44,477
Movements in working capital:
(Increase) in debtors
(56,507)
(136,609)
(Decrease)/increase in creditors
(88,977)
447,295
Cash generated from operations
10,617
460,318
22
Analysis of changes in net (debt)/funds
At 1 September 2024
Cash flows
At 31 August 2025
£
£
£
Cash at bank and in hand
745,786
(169,431)
576,355
Loans falling due within one year
(108,785)
(16,251)
(125,036)
Loans falling due after more than one year
(1,302,218)
141,257
(1,160,961)
(665,217)
(44,425)
(709,642)
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