Caseware UK (AP4) 2025.0.111 2025.0.111 Caseware UK (AP4) 2025.0.111 2025.0.111 2025-08-31The Trustees have assessed the major risks to which the Charity is exposed, in particular those related to the operations and finances of the Charity, and are satisfied that systems and procedures are in place to mitigate exposure to the major risks. The Trustees examine, on a regular basis, any risks that they feel the school may face in each financial year.The Trustees have developed systems to monitor and control those risks to ensure that any impact or financial loss which may results from them may be kept to a minimum. The key controls used by the Charity include: Comprehensive strategic planning and budgeting; Established organisational structure with formal written policies; Formal policies with clear authorisation and approval levels; and Strict vetting procedures as required by law for those requiring protection. The trustees are satisfied that most risks identified have been completely mitigated and also recognise that the system can only provide reasonable but not absolute assurance that most risks have been adequately managed.2026-05-292026-05-2926328153490735632467322708138715889770156984682026-05-292025-08-312024-09-0160No description of principal activityfalse572025-08-31 01796116 2024-09-01 2025-08-31 01796116 2023-09-01 2024-08-31 01796116 2025-08-31 01796116 2024-08-31 01796116 2024-09-01 01796116 2023-09-01 01796116 c:CompanySecretary1 2024-09-01 2025-08-31 01796116 c:RegisteredOffice 2024-09-01 2025-08-31 01796116 d:Buildings 2024-09-01 2025-08-31 01796116 d:Buildings 2025-08-31 01796116 d:Buildings 2024-08-31 01796116 d:Buildings d:LongLeaseholdAssets 2024-09-01 2025-08-31 01796116 d:Buildings d:LongLeaseholdAssets 2025-08-31 01796116 d:Buildings d:LongLeaseholdAssets 2024-08-31 01796116 d:Buildings d:ShortLeaseholdAssets 2024-09-01 2025-08-31 01796116 d:PlantMachinery 2024-09-01 2025-08-31 01796116 d:PlantMachinery 2025-08-31 01796116 d:PlantMachinery 2024-08-31 01796116 d:FurnitureFittings 2024-09-01 2025-08-31 01796116 d:FurnitureFittings 2025-08-31 01796116 d:FurnitureFittings 2024-08-31 01796116 d:OtherPropertyPlantEquipment 2024-09-01 2025-08-31 01796116 d:OtherPropertyPlantEquipment 2025-08-31 01796116 d:OtherPropertyPlantEquipment 2024-08-31 01796116 d:CurrentFinancialInstruments 2025-08-31 01796116 d:CurrentFinancialInstruments 2024-08-31 01796116 c:FRS102 2024-09-01 2025-08-31 01796116 c:Audited 2024-09-01 2025-08-31 01796116 c:PrivateLimitedCompanyLtd 2024-09-01 2025-08-31 01796116 b:Trustee1 2024-09-01 2025-08-31 01796116 b:Trustee2 2024-09-01 2025-08-31 01796116 b:Trustee3 2024-09-01 2025-08-31 01796116 b:Trustee4 2024-09-01 2025-08-31 01796116 b:Trustee5 2024-09-01 2025-08-31 01796116 b:Trustee6 2024-09-01 2025-08-31 01796116 b:Trustee7 2024-09-01 2025-08-31 01796116 b:UnrestrictedFundsGeneral 2024-09-01 2025-08-31 01796116 b:RestrictedIncomeFunds 2024-09-01 2025-08-31 01796116 b:UnrestrictedFundsGeneral 2025-08-31 01796116 b:UnrestrictedFundsGeneral 2024-08-31 01796116 b:RestrictedIncomeFunds 2025-08-31 01796116 b:RestrictedIncomeFunds 2024-08-31 01796116 3 2025-08-31 01796116 b:Activity1 2024-09-01 2025-08-31 01796116 b:Activity1 2023-09-01 2024-08-31 01796116 b:Activity1 b:TotalUnrestrictedFunds 2024-09-01 2025-08-31 01796116 b:Activity1 b:TotalRestrictedIncomeFunds 2024-09-01 2025-08-31 01796116 b:Activity2 2024-09-01 2025-08-31 01796116 b:Activity2 2023-09-01 2024-08-31 01796116 b:Activity2 b:TotalUnrestrictedFunds 2024-09-01 2025-08-31 01796116 b:Activity2 b:TotalRestrictedIncomeFunds 2024-09-01 2025-08-31 01796116 b:TotalUnrestrictedFunds 2024-09-01 2025-08-31 01796116 b:TotalRestrictedIncomeFunds 2024-09-01 2025-08-31 01796116 b:TotalUnrestrictedFunds 2025-08-31 01796116 b:TotalUnrestrictedFunds 2024-08-31 01796116 b:TotalRestrictedIncomeFunds 2025-08-31 01796116 b:TotalRestrictedIncomeFunds 2024-08-31 01796116 c:FullAccounts 2024-09-01 2025-08-31 iso4217:GBP xbrli:pure
Registered number: 01796116
Charity number: 289066











NAIMA JPS
COMPANY LIMITED BY GUARANTEE
TRUSTEES' REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 

CONTENTS



Page
Reference and Administrative Details of the Charity, its Trustees and Advisers
 
1
Trustees' Report
 
2 - 8
Independent Auditors' Report on the Financial Statements
 
9 - 12
Statement of Financial Activities
 
13
Statement of Financial Position
 
14 - 15
Statement of Cash Flows
 
16
Notes to the Financial Statements
 
17 - 35

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 

REFERENCE AND ADMINISTRATIVE DETAILS OF THE  COMPANY, ITS TRUSTEES AND ADVISERS
FOR THE YEAR ENDED 31 AUGUST 2025


Trustees
R Yentob
J Levy
J S Shamoon Arazi
I Levy
V Shamoon
I Corre
 I Levy

Company registered number
01796116

Charity registered number
289066

Registered office
21 Andover Place
London
NW6 5ED

Company secretary
A Cohen

Independent auditors
Sopher + Co LLP
Chartered Accountants
Statutory Auditors
5 Elstree Gate
Elstree Way
Borehamwood
Hertfordshire
WD6 1JD

Page 1

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 
  
TRUSTEES' REPORT
FOR THE YEAR ENDED 31 AUGUST 2025

The Trustees present their annual report together with the audited financial statements of the Charity for the year ended 31 August 2025The Annual Report serves the purposes of both a Trustees' report and a directors' report under company law. The Trustees confirm that the Annual Report and financial statements of the charitable company comply with the current statutory requirements, the requirements of the charity's governing document and the provisions of the Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS102) (effective 1 January 2019). 
 

Objectives and activities
 

The Charity's objectives are the advancement of secular and religious education including the provision of day schooling for children of both sexes, together with the provision of a Synagogue and other related religious amenities.

Within these objects the charity has maintained a restricted fund for the purposes of granting scholarships to certain pupils who fit the school’S scholarship criteria.

The policies adopted in furtherance of these objects are stated in this report and there has been no change in these during the year.

The Charity provides education to boys and girls from ages 3 to 11 years satisfying the requirements of UK primary education and provides a Pre-Nursery for children aged 2. It also makes its facilities available to the local community.

The school’s ethos is centred on the belief that an excellent education with a strong religious grounding is mutually attainable and beneficial. It is this ethos that we adhere to as we aspire to prepare the school’s pupils for adulthood.

It is the Charity’s policy not only to educate infants and juniors to a high level of academic achievement but also to provide the religious community with suitable facilities and an establishment for prayer.

The school continues to promote and engender core British values amongst our pupils.

The Charity has kept in mind the Charity Commission’s guidance on public benefit. We believe that the main aim of the charity is the advancement of secular and religious education including the provision of day schooling for children of both sexes, together with the provision of a Synagogue and other related religious amenities. We also believe that the public benefit is further illustrated in this report through the Objectives and Activities and Achievements and Performance sections.
 

Strategic report
 

The description under the headings "Achievements and performance" and "Financial review" meet the company law requirements for the Charity Trustees to present a strategic report.
 

Page 2

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 
Achievements and performance
 

a. Review of activities
 

The school has had a good year, and we continue to be proud of all our children’s achievements. Our Secondary transfer results for the year under review were excellent with places offered at top London, independent Secondary schools. Our children were awarded a creative writing and several academic scholarships. Methods of testing continue to change annually, and our teachers worked hard to ensure that the children were fully prepared for the variety of tests being used. This includes pupils taking regular, practice tests and undergoing several mock interviews by external consultants. In November, the school was inspected by ISI as part of the regular, routine inspection process. The school passed the inspection and received a very positive report.

Naima remains committed to offering the local Jewish community various religious facilities such as a Synagogue and Mikveh (ritual bath). Naima also continues to contribute to events for the wider local community. These include regularly sending sports teams to inter – school tournaments, the choir to an annual, children’s choral festival as well as other choral events, collaborating in joint P.E. lessons with a local school and attending an annual dance festival. Our security staff also play an important role in maintaining a positive community including engaging with police to reduce crime directed to local residents and working with traffic wardens in order to ensure safe parking. 
 
As in the previous year, the children met with a wide spectrum of visitors throughout the year such as a weekly yoga teacher, authors, illustrators and other professionals and the children went on several outings to museums, art galleries and theatres, for example. Additionally, the annual visits of the farm and the toy museum are eagerly anticipated by the pupils and help bring learning to life. The weekly early morning running club for the children still attracts many children. The house points system continues to be popular with the children, and they remain encouraged to be awarded house point tokens. The ongoing success of our holiday camps for our pupils has ensured that this provision is now automatically offered for several days during each holiday period. Mental health and wellbeing of both pupils and staff is important to the school. A counsellor and wellbeing coach visit the school weekly to meet with pupils and the school subscribes to an employee assistance program for the staff, which offers them access to mental health and wellbeing support. 

The school and parent body have kept in regular contact with Westminster Council about their social housing building project next door to the school. The works have recently been completed, and tenants will be moving in shortly.

Our ethos remains to maintain both secular and religious academic standards to the high level, to which the school has become known and to strive to provide the children with a stimulating, spiritual and excellent all round, education. The school continues to promote and engender core British values amongst our pupils. We expect the school to thrive for the foreseeable future. 
 

b. Review of performance
 

The school's operating surplus before the net losses on the investments in the year was £325,360 (2024 - £94,854).

School fees increased by 16% to £2,870,897 due to fee increase and increase in  number of pupils attended in the year.

School wages and salaries increased by 13% to £2,622,593 due to wages and employer's NI increase in the year.

The net funds as at 31 August 2025 were £9,027,129 (2024 - £8,726,839) and are considered satisfactory having regard to the Charity's objectives.



 
 

Page 3

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 
Achievements and performance (continued)

c. Investment policy and performance
 

The Charity's governing document permits the trustees to invest funds that are not immediately required for charitable purposes. The trustees seek to balance the need to preserve capital with the objective of generating an appropriate return on surplus funds to support the Charity's charitable activities.

During the year, surplus funds were invested in a portfolio comprising Treasury Bills and interest-bearing loans. Prior to making these investments, the trustees obtained and considered appropriate advice regarding the suitability of the investments, the associated risks and expected returns. Having reviewed this advice, the trustees were satisfied that the investments were appropriate for the Charity's circumstances and consistent with its investment objectives.

A substantial proportion of the Charity's investment portfolio is held in Treasury Bills, which the trustees consider to be a secure and low-risk investment due to the creditworthiness of Treasury bill and the short-term to medium-term nature of the instruments. These investments provide capital preservation, liquidity and a stable return on funds that are not immediately required for charitable activities.

The Charity also holds interest-bearing loan investments which generate enhanced income returns. The trustees have assessed the risks associated with these investments and are satisfied that they remain appropriate having regard to the Charity's financial position, liquidity requirements and investment objectives.

The trustees consider the overall investment portfolio to represent an appropriate balance between security, liquidity and return. Income generated from the investments contributes towards the funding of the Charity's charitable activities and enables surplus working capital to be utilised effectively in furtherance of the Charity's objectives.

The trustees review the performance and risk profile of the investment portfolio on a regular basis and remain satisfied that the investment strategy is appropriate for the Charity's needs and consistent with its charitable objectives.
 

Page 4

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 
Financial review
 

a. Reserves policy
 

The Trustees have determined that the minimum level of liquid reserves which have not been invested in tangible fixed assets should be equivalent to approximately 13 weeks’ expenditure. 

The Trustees’ policy is to build sufficient free reserves for future investment in the school as a whole, not only enhancements to the fabric of the school buildings, but also to keep pace with technological change and innovation. This policy applies to Information Technology and school facilities in general. 

Tangible fixed assets include school buildings, the Synagogue and the Mikveh. These buildings are used for non-commercial purposes and for this reason the Trustees do not consider it appropriate to recognise its market value in these financial statements.

The Trustees are empowered to place funds, administered by the Charity, into investments which are likely to generate income without a material risk to the underlying capital. All funds were invested with the charity’s bankers in prior year and this year in addition to bank investments Charity, also, invested in Israeli bonds, treasury bills and lending through CSBF as in prior year. The Trustees’ financial policy is to generate an income stream with minimal risk to capital. As part of the charity’s restricted funds, the school scholarship fund of £231,648 was earmarked to provide scholarships to qualifying students. There were no qualifying applications received during the year.
 

Structure, governance and management
 

a. Constitution
 

The Charity is a company limited by guarantee and is governed by its Memorandum and Articles of Association.
 

b. Methods of appointment or election of Trustees
 

The management of the Charity is the responsibility of the Trustees who are elected and co-opted under the terms of the Articles of Association.
 

c. Financial risk management
 

The Trustees have assessed the major risks to which the Charity is exposed, in particular those related to the operations and finances of the Charity, and are satisfied that systems and procedures are in place to mitigate exposure to the major risks.

The Trustees examine, on a regular basis, any risks that they feel the school may face in each financial year.The Trustees have developed systems to monitor and control those risks to ensure that any impact or financial loss which may results from them may be kept to a minimum.

The key controls used by the Charity include:

Comprehensive strategic planning and budgeting;
Established organisational structure with formal written policies;
Formal policies with clear authorisation and approval levels; and
Strict vetting procedures as required by law for those requiring protection.

The trustees are satisfied that most risks identified have been completely mitigated and also recognise that the system can only provide reasonable but not absolute assurance that most risks have been adequately managed.
 

d. Organisational structure and decision-making policies
 

Page 5

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 
Structure, governance and management (continued)

The full name of the charity is Naima JPS and its Registered Charity Number is 289066.

The Trustees, who are also the directors for the purpose of company law, who served during the year were:

R Yentob
J Levy
J S Shamoon Arazi
I Levy
V Shamoon
I Corre
I Levy

New trustees are identified and invited to join the board of trustees by the existing trustees. They are selected on the basis of their sympathy with the charitable objectives and their ability to pursue those objectives as a trustee. New trustees are elected by resolution and approved by a majority of trustees.

Under the company's Articles of Association any person who is willing to act as a trustee, and who would not be disqualified from acting for any reason, may be appointed to be a trustee by a decision of the trustees. None of the Charity Trustees has any beneficial interest in the company. All of the Charity Trustees are members of the company and guarantee to contribute £1 in the event of a winding up.

The school also appoints governors to act in an advisory basis to the trustees, to serve on a two to three year basis. The governors are selected from past or present parents and other parties with a connection to the school. The governors are not involved in final decision making.

The governors who served during the year were:



Governors
Mrs Alexandra Maurice
Mr Adam Keats
Mr Jonathan Marks
Ms Clare Ettinghausen (resigned 31.08.25)
Mr David Djanogly
Mr Emil Fattal
Mrs Sian Levy
Dr Naomi Katz
Mr Edward Misrahi
Mrs Meira Drazin
Mr Joshua Ereira
Dr Efrat Sopher
Mr Aron Azouz (appointed 12.11.25)
Mr James Esterkin ( appointed 12.11.25)

Head teacher
Mr Bill Pratt

Remuneration for Key Management Personnel is based on IAPS pay scales as a benchmark. The final decision on remuneration packages and bonuses are agreed by the trustees.
 

Page 6

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 
Plans for future periods
 

The Charity remains focused on reinforcing and regularly assessing the children’s learning. Their wellbeing and mental health continues to be reviewed by our school staff, counsellor and wellbeing coach on an ongoing basis. The Charity remains subscribed to a health and wellbeing programme for all staff. 

During the last summer holiday, there was a complete renovation of the school playground which has been well received by all pupils. The school entrance and security hub was refurbished at the same time. Minor refurbishment works, such as the replacement of some of the flooring and installation of air conditioning units in the IT suite also took place last summer.
 
We continue to invest in new computers, iPads and interactive, classroom whiteboards on a rolling, replacement basis. 
 

Auditors
 

Under section 487(2) of the Companies Act 2006, Sopher + Co LLP will be deemed to have been reappointed as auditors 28 days after these financial statements were sent to trustees or 28 days after the date prescribed for filing the accounts with the registrar, whichever is earlier.
 

Statement of Trustees' responsibilities
 

The Trustees (who are also the directors of the Charity for the purposes 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. Under company law, the Trustees must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Charity and of its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the Trustees are required to:

select suitable accounting policies and then apply them consistently;
observe the methods and principles of the Charities SORP (FRS 102);
make judgments and accounting estimates that are reasonable and prudent;
state whether applicable UK Accounting Standards (FRS 102) have been followed, subject to any material departures disclosed and explained in the financial statements;
prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Charity will continue in business.


The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the Charity's transactions and disclose with reasonable accuracy at any time the financial position of the Charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the Charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.


Disclosure of information to auditors
 

Each of the persons who are Trustees at the time when this Trustees' Report is approved has confirmed that:

so far as that Trustee is aware, there is no relevant audit information of which the Charity's auditors are unaware, and
that Trustee has taken all the steps that ought to have been taken as a Trustee in order to be aware of any relevant audit information and to establish that the charity's auditors are aware of that information.  
 

 

Approved by order of the members of the board of Trustees and signed on their behalf by:
Page 7

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
 



J Levy
(Trustee)



J S Shamoon Arazi
(Trustee)

Date: 29 May 2026

Page 8

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE TRUSTEES OF  NAIMA JPS
 

Opinion


We have audited the financial statements of Naima JPS (the 'charity') for the year ended 31 August 2025 which comprise the Statement of Financial Activities, the Statement of Financial Position, the Statement of Cash Flows and the related notes, including a summary of 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, including its income and expenditure 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 Auditors' responsibilities for the audit of the financial statements section of our report. We are independent of the charitable company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council'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 charitable company'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.


Page 9

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE TRUSTEES OF  NAIMA JPS (CONTINUED)


Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' Report thereon. The Trustees are responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, 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.


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:

the information given in the Trustees' Report for the financial year for which the financial statements are prepared is consistent with the financial statements.
the Trustees' Report has been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception


In the light of our knowledge and understanding of the charitable company and its environment obtained in the course of the audit, we have not identified material misstatements in the Trustees' Report.


We have nothing to report in respect of the following matters in relation to which Companies Act 2006 requires us to report to you if, in our opinion:

adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of Trustees' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Responsibilities of charity trustees


As explained more fully in the Trustees' Responsibilities Statement, the Trustees (who are also the directors of the charitable company for the purposes 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 charitable company'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.
 

Page 10

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE TRUSTEES OF  NAIMA JPS (CONTINUED)


Auditors' responsibilities for the audit of the financial statements


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 Auditors' 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.


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:

Our approach to identifying and assessing the risks of material misstatement in respect of irregularities, including fraud and noncompliance with laws and regulations, was as follows: 
 
the engagement partner ensured that the engagement team collectively had the appropriate competence, capabilities and skills to identify or recognise non compliance with applicable laws and regulations; 
we identified the laws and regulations applicable to the Charity through discussions with directors and other management, and from our commercial knowledge and experience of the charity sector; 
we focused on specific laws and regulations which we considered may have a direct material effect on the financial statements or the operations of the company, including the Companies Act 2006, taxation legislation and data protection, anti bribery, employment, environmental and health and safety legislation;
we assessed the extent of compliance with the laws and regulations identified above through making enquiries of management and inspecting legal correspondence; and 
identified laws and regulations were communicated within the audit team regularly and the team remained alert to instances of non compliance throughout the audit. 

We assessed the susceptibility of the Charity’s financial statements to material misstatement, including obtaining an understanding of how fraud might occur, by: 
 
making enquiries of management as to where they considered there was susceptibility to fraud, their knowledge of actual, suspected and alleged fraud; 
considering the internal controls in place to mitigate risks of fraud and non compliance with laws and regulations; and 
understanding the design of the company’s remuneration policies. 

To address the risk of fraud through management bias and override of controls, we: 
 
performed analytical procedures to identify any unusual or unexpected relationships; 
tested journal entries to identify unusual transactions;
assessed whether judgments and assumptions made in determining the accounting estimates were indicative of potential bias; and
investigated the rationale behind significant or unusual transactions.

Page 11

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
INDEPENDENT AUDITORS' REPORT TO THE TRUSTEES OF  NAIMA JPS (CONTINUED)


In response to the risk of irregularities and noncompliance with laws and regulations, we designed procedures which included, but were not limited to: 

agreeing financial statement disclosures to underlying supporting documentation; 
reading the minutes of meetings of those charged with governance; 
enquiring of management as to actual and potential litigation and claims; and 
reviewing correspondence with HMRC. 

There are inherent limitations in our audit procedures described above. The more removed that laws and regulations are from financial transactions, the less likely it is that we would become aware of noncompliance. Auditing standards also limit the audit procedures required to identify noncompliance with laws and regulations to enquiry of the directors and other management and the inspection of regulatory and legal correspondence, if any. 

Material misstatements that arise due to fraud can be harder to detect than those that arise from error as they may involve deliberate concealment or collusion.

 
A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditors' Report.


Use of our report
 

This report is made solely to the charitable company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charitable company's members those matters we are required to state to them in an Auditors' 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 charitable company and its members, as a body, for our audit work, for this report, or for the opinions we have formed.


Stephen Iseman FCA (Senior Statutory Auditor)
  
for and on behalf of
Sopher + Co LLP
 
Chartered Accountants
Statutory Auditors
  
5 Elstree Gate
 
Elstree Way
 
Borehamwood
 
Hertfordshire
 
WD6 1JD
 
 

29 May 2026

Stephen Iseman FCA (Senior Statutory Auditor)
Sopher + Co LLP
Page 12

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE

 
 
STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING INCOME AND EXPENDITURE ACCOUNT)
FOR THE YEAR ENDED 31 AUGUST 2025

Unrestricted funds
2025
Restricted funds
2025
Total
funds
2025
Total
funds
2024
Note
        £
        £
        £
        £

Income from:







Donations and legacies

3

112,274

14,871

127,145

112,119
 
Charitable activities

4

2,963,534

551,037

3,514,571

2,737,151
 
Investments

5

233,902

-

233,902

244,012
 
Other income

6

152,046

-

152,046

130,783
 
Total income
3,461,756
565,908
4,027,664
3,224,065
Expenditure on:







Charitable activities

7,9

3,341,035

361,269

3,702,304

3,123,586
 
Other expenditure

8

-

-

-

5,625
 
Total expenditure
3,341,035
361,269
3,702,304
3,129,211

Net income before net losses on investments

  

120,721

204,639

325,360

94,854
 
Net losses on investments

 16,19 

(25,070)

-

(25,070)

-
 
Net movement in funds
  
95,651
204,639
300,290
94,854

Reconciliation of funds:

  





Total funds brought forward

  

7,849,234

877,605

8,726,839

8,631,985
 
Net movement in funds

  

95,651

204,639

300,290

94,854
 
Total funds carried forward
  
7,944,885
1,082,244
9,027,129
8,726,839

The Statement of Financial Activities includes all gains and losses recognised in the year.

The Statement of Financial Activities also complies with requirements under the Companies Act 2006.

Page 13

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE
REGISTERED NUMBER: 01796116

 
 
STATEMENT OF FINANCIAL POSITION
AS AT 31 AUGUST 2025

2025
2024
Note
£
£

Fixed assets
  

Tangible assets
 15 
4,624,672
4,621,778

Investments
 16 
1,496,775
-

  
6,121,447
4,621,778

Current assets
  

Debtors
 17 
963,419
831,277

Investments
 19 
3,004,678
400,000

Cash at bank and in hand
 18 
840,393
4,460,515

  
4,808,490
5,691,792

Current liabilities
  

Creditors: amounts falling due within one year
 20 
(1,902,808)
(1,586,731)

Net current assets 
  
 
 
2,905,682
 
 
4,105,061

Total net assets 
  
9,027,129
8,726,839


Charity funds
  

Restricted funds
 21 
1,082,244
877,605

Unrestricted funds
  

Designated funds
 21 
3,651,428
3,897,746

General funds
 21 
4,293,457
3,951,488

Total unrestricted funds
 21 
 
 
7,944,885
 
 
7,849,234

Total funds
  
9,027,129
8,726,839

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

The financial statements were approved and authorised for issue by the Trustees and signed on their behalf by:




J Levy
(Trustee)



J S Shamoon Arazi
(Trustee)

Date: 29 May 2026

Page 14

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE

 
 
STATEMENT OF FINANCIAL POSITION (CONTINUED)
AS AT 31 AUGUST 2025

The notes on pages 17 to 35 form part of these financial statements.

Page 15

 
NAIMA JPS
 
COMPANY LIMITED BY GUARANTEE

 
 
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 AUGUST 2025

2025
2024
£
£

Cash flows from operating activities

Net cash used in operating activities

458,455
330,691

Cash flows from investing activities

Purchase of tangible fixed assets
(205,956)
(104,796)

Purchase of investments
(4,106,523)
-

Investment income received
233,902
244,012

Net cash (used in)/provided by investing activities

(4,078,577)
139,216

Change in cash and cash equivalents in the year
 
(3,620,122)
 
469,907

Cash and cash equivalents at the beginning of the year
4,460,515
3,990,608

Cash and cash equivalents at the end of the year
840,393
4,460,515

The notes on pages 17 to 35 form part of these financial statements

Page 16

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

1.


General information

Naima JPS is a private company limited by guarantee incorporated in England and Wales. The registered office and principal place of business is 21 Andover Place, London, NW6 5ED.

The principal activity of the Charity is to raise funds for the education of the public (with particular emphasis on students engaged in full time primary education).

The functional and presentational currency of the charity is £ Sterling.


2.Accounting policies

  
2.1

Basis of preparation of financial statements

The financial statements 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), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Naima JPS meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

  
2.2

Going concern

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

  
2.3

Charitable funds

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the Charity and which have not been designated for other purposes.

Designated funds comprise unrestricted funds that have been set aside by the Trustees for particular purposes. The aim and use of each designated fund is set out in the notes to the financial statements.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

Page 17

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)

  
2.4

Income

Income is recognised when the Charity is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

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

Legacies are recognised on receipt or otherwise if the Charity has been notified of an impending distribution,the amount is known, and receipt is expected. If the amount is not known, the legacy is treated as a contingent asset.

Fees receivable are accounted for in the period in which the service is provided. Fees receivable are stated after allowing for bursaries granted.

  
2.5

Expenditure

Expenditure designated as charitable expenditure represents costs directly attributable to the principal activities of the Charity. These include the costs of teaching salaries and the associated staff and building costs.

  
2.6

Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the Charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

 
2.7

Tangible fixed assets and depreciation

Tangible fixed assets are initially recognised at cost. After recognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. All costs incurred to bring a tangible fixed asset into its intended working condition should be included in the measurement of cost.

Land and buildings used for educational purposes are capitalised at cost, including directly attributable costs of acquisition and construction. The carrying value of fixed assets is reviewed annually for indicators of impairment. Where impairment is identified, the asset is written down to its recoverable amount.

The Charity is responsible for keeping the original buildings in fit and useful condition, and these costs are written off as incurred.

Page 18

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)

2.7

Tangible fixed assets and depreciation (continued)

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives. .

Depreciation is provided on the following basis:

Land and buildings
-
2%
straight line
Improvements to property
-
2%
to 10% straight line
Mikveh
-
5%
straight line
Fixtures and fittings
-
20%
reducing balance
Religious artifacts
-
10%
reducing balance

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in the Statement of Financial Activities.

  
2.8

Investments

Fixed asset investments are a form of financial instrument and are initially recognised at their transaction cost and subsequently measured at fair value at the Statement of Financial Position date, unless the value cannot be measured reliably in which case it is measured at cost less impairment. Investment gains and losses, whether realised or unrealised, are combined and presented as ‘Gains/(Losses) on investments’ in the Statement of Financial Activities.

  
2.9

Current assets investments

Current assets investments comprise investments with a maturity of more than three months but not more than twelve months from the date of acquisition. These investments are initially recognised at transaction cost and subsequently measured at fair value at the Statement of Financial Position date. Gains and losses arising from changes in fair value are recognised in the Statement of Financial Activities in the period in which they arise.

Where the maturity date falls within three months of the date of acquisition or the Statement of Financial Position date, such instruments are reclassified as cash and cash equivalents in accordance with the charity's cash and cash equivalents policy.

  
2.10

Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

  
2.11

Debtors

Trade and other debtors are recognised at the settlement amount. Prepayments are valued at the amount prepaid net of any trade discounts due.

Page 19

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

2.Accounting policies (continued)


2.12

Liabilities

Liabilities are recognised when there is an obligation at the Statement of Financial Position date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

Provisions are measured at the best estimate of the amounts required to settle the obligation. Where the effect of the time value of money is material, the provision is based on the present value of those amounts, discounted at the pre-tax discount rate that reflects the risks specific to the liability. The unwinding of the discount is recognised in the Statement of Financial Activities as a finance cost.

  
2.13

Financial instruments

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value. 

  
2.14

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 Charity is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

  
2.15

Retirement benefits

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

The Teachers’ Pension Scheme is an unfunded scheme and contributions are calculated so as to spread the cost of pensions over employees’ working lives with the school in such a way that the pension cost is a substantially level percentage of current and future pensionable payroll. The contributions are determined by the Government Actuary on the basis of quinquennial valuations using a prospective benefit method.


3.

Income from donations and legacies





Unrestricted funds
2025
Restricted funds
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £
        £
 



 
Donations and gifts

112,274

14,871

127,145

112,119
 

Page 20

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

4.

Income from charitable activities





Unrestricted funds
2025
Restricted funds
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £
        £





Gross fees and related revenue

2,963,534

-

2,963,534

2,484,552
 
Security grants and voluntary donations

-

217,311

217,311

252,599
 
Bursary

-

211,940

211,940

-
 
Playground refurbishment

-

75,000

75,000

-
 
School refurbishment

-

46,786

46,786

-
 
Total 2025


2,963,534
551,037
3,514,571
2,737,151


5.

Investment income




Unrestricted funds
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £




Interest receivable

233,902

233,902

244,012
 


6.

Other incoming resources




Unrestricted funds
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £




Other income

152,046

152,046

130,783
 

Page 21

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

7.

Analysis of expenditure on charitable activities


Summary by fund type





Unrestricted funds
2025
Restricted funds
2025
Total
2025
Total
2024
        £
        £
        £
        £





School running costs

3,068,905

12,624

3,081,529

2,746,767
 
Security

-

181,982

181,982

199,366
 
Establishment

272,130

-

272,130

126,128
 
Mikveh

-

50,848

50,848

51,325
 
Bursary

-

102,655

102,655

-
 
Playground refurbishment

-

8,419

8,419

-
 
School refurbishment

-

4,741

4,741

-
 


3,341,035
361,269
3,702,304
3,123,586


8.

Other expenditure




Unrestricted funds
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £




Charitable donations

-

-

5,625
 

Page 22

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

9.

Analysis of expenditure by activities




Activities undertaken directly
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £




School running costs

3,081,529

3,081,529

2,746,767
 
Security

181,982

181,982

199,366
 
Establishment

272,130

272,130

126,128
 
Mikveh

50,848

50,848

51,325
 
Bursary for parents

102,655

102,655

-
 
Playground refurbishment

8,419

8,419

-
 
School refurbishment

4,741

4,741

-
 


3,702,304
3,702,304
3,123,586


Page 23

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

9.Analysis of expenditure by activities (continued)

Analysis of direct costs






School running costs
2025
Security
2025
Establishment
2025
Mikveh
2025
Bursary for parents
2025
        £
        £
        £
        £
        £






Staff costs

2,456,982

141,716

-

23,895

-

Depreciation and impairment

163,460

6,400

-

21,499

-

Other costs

461,087

33,866

272,130

5,454

102,655



3,081,529
181,982
272,130
50,848
102,655





Playground refurbishment
2025
School refurbishment
2025
Total
funds
2025
Total
funds
2024
        £
        £
        £
        £





Staff costs

-

-

2,622,593

2,316,581
 
Depreciation and impairment

7,798

3,905

203,062

179,194
 
Other costs

621

836

876,649

627,811
 


8,419
4,741
3,702,304
3,123,586

Page 24

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

10.


School running costs

2025
2024
£
£



School wages, salaries and social security
2,314,016
2,041,464

School staff pension costs
142,966
107,926

Teacher's training and related costs
22,752
20,782

Books and teaching consumables
43,267
35,086

School meals and refreshments
211,021
199,055

School outings and travel
54,215
46,048

Printing, stationery and communications
15,522
14,373

Insurance
37,801
32,030

Sundry expenses
24,406
16,523

Legal, professional and compliance costs
14,272
30,996

Computer & equipment maintenance
23,738
18,887

Bank charges
2,797
1,752

Marketing
5,329
2,409

Depreciation
163,460
157,741

Audit fees
5,967
15,220

ICT Suite
-
6,475

3,081,529
2,746,767


11.

Auditors' remuneration

2025
2024
£
£

Fees payable to the Charity's auditor for the audit of the Charity's annual accounts
5,967
15,220


12.



Staff costs


2025
2024
£
£


Wages and salaries
2,251,179
2,033,846

Social security costs
228,448
174,809

Contribution to defined contribution pension schemes
142,966
107,926

2,622,593
2,316,581

Page 25

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

12.Staff costs (continued)

The average number of persons employed by the Charity during the year was as follows:


2025
2024

No.
No.


Teachers
48
45

Support staff
8
8

Headmaster
1
1

Security
2
2

Mikveh
1
1

60
57

The number of employees whose employee benefits (excluding employer pension costs) exceeded £60,000 was:


2025
2024

No.
No.


In the band £60,001 - £70,000
1
1

In the band £70,001 - £80,000
1
1

In the band £80,001 - £90,000
2
2


13.


Trustees' remuneration and expenses

During the year, no Trustees received any remuneration or other benefits (2024 - £NIL).

During the year ended 31 August 2025, no Trustee expenses have been incurred (2024 - £NIL).

Page 26

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

14.


Taxation

The company is a registered charity and no provision is considered necessary for taxation.


15.


Tangible fixed assets




Land and buildings
Improvements to property
Mikveh
Fixtures and fittings
Religious artefacts
Total

£
£
£
£
£
£


Cost 

At 1 September 2024
516,273
4,939,551
429,053
979,220
1,800
6,865,897

Additions
-
101,697
940
103,319
-
205,956


At 31 August 2025

516,273
5,041,248
429,993
1,082,539
1,800
7,071,853


Depreciation

At 1 September 2024
248,507
982,931
226,175
784,739
1,767
2,244,119

Charge for the year
10,325
111,673
21,500
59,560
4
203,062


At 31 August 2025

258,832
1,094,604
247,675
844,299
1,771
2,447,181


Net book value


At 31 August 2025
257,441
3,946,644
182,318
238,240
29
4,624,672


At 31 August 2024
267,766
3,956,620
202,878
194,481
33
4,621,778

Page 27

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

16.


Fixed asset investments





Other Fixed Asset investments

£



Valuation



Additions
1,498,212



At 31 August 2025

1,498,212




Impairment



Impairment
1,437



At 31 August 2025

1,437




Net book value




At 31 August 2025
1,496,775


17.



Debtors


2025
2024
£
£


Due within one year

Trade debtors
706,718
599,671

Other debtors
92,020
155,306

Prepayments and accrued income
164,681
76,300

963,419
831,277


18.



Cash at bank


Included within cash balances are funds held on behalf of the Charitable Fund of Rabbi Abraham and Estelle Levy. The corresponding liability of £125,000 is included in other creditors. Any interest earned on these funds is paid over to the Rabbi Levy Charitable Trust upon receipt.



Page 28

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

19.



Current asset investments


2025
2024
£
£

Listed investments
3,004,678
400,000

Included within current asset investments are Treasury Bills of £2,608,311 maturing within 12 months after the balance sheet date. The investment is stated at fair value of £2,584,678, giving rise to an unrealised loss of £23,633 recognised in the year.

Included within current asset investments are loans totalling £420,000 advanced through a commercial investment company. The loans are secured, repayable within 12months after the year end, and bear interest at fixed rates ranging from 9.18% to 10% per annum. The trustees have reviewed the recoverability of the investment balances at the year end and are satisfied that the carrying value stated in the financial statements is recoverable. Accordingly, no impairment provision has been recognised.

Included within the prior year comparative balance of current asset investments is £400,000 previously presented within other debtors. The comparative figures have been reclassified to conform with the presentation adopted in the current year, as the balance represents investment rather than other debtors.
 


20.



Creditors: Amounts falling due within one year


2025
2024
£
£


Trade creditors
321,153
114,400

Other taxation and social security
122,783
-

Other creditors
431,045
460,800

Accruals and deferred income
1,027,827
1,011,531

1,902,808
1,586,731

Page 29

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

21.

Statement of funds


Statement of funds - current year

Balance at 1 September 2024
£
Income
£
Expenditure
£
Gains/
(Losses)
£
Balance at 31 August 2025
£

Unrestricted funds






Designated funds







Teachers of excellence

1,159,834

-

(143,719)

-

1,016,115
 
Building fund

2,737,912

-

(102,599)

-

2,635,313
 



3,897,746
-
(246,318)
-
3,651,428

General funds







General Funds - all funds

3,951,488

3,461,756

(3,094,717)

(25,070)

4,293,457
 
Total Unrestricted funds




7,849,234

3,461,756

(3,341,035)

(25,070)

7,944,885

Restricted funds







Sainsbury scholarship

231,648

-

-

-

231,648
 
Mikveh

216,005

14,871

(50,848)

-

180,028
 
Security

237,197

217,311

(181,982)

-

272,526
 
IT Project

11,380

-

(3,783)

-

7,597
 
Art room

14,457

-

(494)

-

13,963
 
Library

79,239

-

(1,159)

-

78,080
 
Kitchen

78,238

-

(7,184)

-

71,054
 
Playground equipment

2,946

75,000

(8,419)

-

69,527
 
Sports Equipment

1,500

-

-

-

1,500
 
Artefacts

4,995

-

(4)

-

4,991
 
Bursary

-

211,940

(102,655)

-

109,285
 
School refurbishment

-

46,786

(4,741)

-

42,045
 



877,605
565,908
(361,269)
-
1,082,244

Total of funds


8,726,839
4,027,664
(3,702,304)
(25,070)
9,027,129

Page 30

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

21.

Statement of funds (continued)

Restricted Funds

Sainsbury Scholarship Fund
Donor-restricted fund established to provide scholarships to pupils meeting specified eligibility criteria. No awards were made during the current or prior year, as no applicants met the criteria. The balance is being retained pending future qualifying applications.

Mikveh Fund
Restricted donations received to support the operation, maintenance, and subsidised access to the Charity’s Mikveh facility for eligible users.

Security Fund
Restricted grants and donations received to fund enhanced security costs for the school. The level of security provision required is greater than that of a typical school environment, and the fund enables these additional costs to be met separately from general funds.

Bursary Fund
Fund established during the year to provide fee assistance to families experiencing financial hardship. The balance will be applied towards future bursary awards.

Other Specific Project Funds
The remaining restricted funds represent donations received for specific school projects and facilities. Amounts are released to the Statement of Financial Activities as the related expenditure is incurred.

Page 31

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

21.

Statement of funds (continued)



Statement of funds - prior year

Balance at
1 September 2023
£
Income
£
Expenditure
£
Balance at
31 August 2024
£

Unrestricted funds





Designated funds






Teachers of excellence

1,293,900

-

(134,066)

1,159,834
 
Building fund

2,837,997

-

(100,085)

2,737,912
 



4,131,897
-
(234,151)
3,897,746

General funds






General Funds - all funds

3,642,493

2,937,685

(2,628,690)

3,951,488
 
Total Unrestricted funds




7,774,390

2,937,685

(2,862,841)

7,849,234


Restricted funds






Sainsbury scholarship

231,648

-

-

231,648
 
Mikveh

233,549

33,781

(51,325)

216,005
 
Security

183,964

252,599

(199,366)

237,197
 
IT Project

16,109

-

(4,729)

11,380
 
Art room

15,074

-

(617)

14,457
 
Library

80,457

-

(1,218)

79,239
 
Kitchen

86,617

-

(8,379)

78,238
 
Playground equipment

3,682

-

(736)

2,946
 
Sports Equipment

1,500

-

-

1,500
 
Artefacts

4,995

-

-

4,995
 



857,595
286,380
(266,370)
877,605


Total of funds


8,631,985
3,224,065
(3,129,211)
8,726,839

Page 32

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

22.

Summary of funds


Summary of funds - current year

Balance at 1 September 2024
£
 
Income
£
 
Expenditure
£
 
Gains/
(Losses)
£
 
Balance at 31 August 2025
£
 
Designated funds

3,897,746

-

(246,318)

-

3,651,428
 
General funds

3,951,488

3,461,756

(3,094,717)

(25,070)

4,293,457
 
Restricted funds

877,605

565,908

(361,269)

-

1,082,244
 


8,726,839
4,027,664
(3,702,304)
(25,070)
9,027,129


Summary of funds - prior year

Balance at
1 September 2023
£
 
Income
£
 
Expenditure
£
 
Balance at
31 August 2024
£
 
Designated funds

4,131,897

-

(234,151)

3,897,746
 
General funds

3,642,493

2,937,685

(2,628,690)

3,951,488
 
Restricted funds

857,595

286,380

(266,370)

877,605
 


8,631,985
3,224,065
(3,129,211)
8,726,839


23.

Analysis of net assets between funds

Analysis of net assets between funds - current year

Unrestricted funds
2025
Restricted funds
2025
Total
funds
2025
        £
        £
        £



Tangible fixed assets

4,138,523

486,149

4,624,672

Fixed asset investments

1,496,775

-

1,496,775

Current assets

4,212,395

596,095

4,808,490

Creditors due within one year

(1,902,808)

-

(1,902,808)

Total 


7,944,885
1,082,244
9,027,129


Page 33

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

23.Analysis of net assets between funds (continued)


Analysis of net assets between funds - prior year

Unrestricted funds
2024
Restricted
2024
Total
funds
2024
        £
        £
        £



Tangible fixed assets

4,223,967

397,811

4,621,778

Current assets

5,211,998

479,794

5,691,792

Creditors due within one year

(1,586,731)

-

(1,586,731)

Total 

7,849,234
877,605
8,726,839


24.



Reconciliation of net movement in funds to net cash flow from operating activities


2025
2024
£
£

Net income for the year (as per Statement of Financial Activities)



300,290

94,854

Adjustments for:

Investment income recognised in statement of financial activities
(233,902)
(244,012)

Unrealised losses on revaluation of investments
25,070
-

Depreciation and impairment of tangible fixed assets
203,062
179,194

Increase in debtors
(152,142)
(463,544)

Increase in creditors
316,077
764,199

Net cash provided by operating activities
458,455
330,691



25.



Analysis of cash and cash equivalents


2025
2024
£
£

Cash in hand
840,393
4,460,515

Page 34

 
NAIMA JPS

COMPANY LIMITED BY GUARANTEE
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 AUGUST 2025

26.



Analysis of changes in net debt





At 1 September 2024
Cash flows
At 31 August 2025
£
£

£

Cash at bank and in hand

4,460,515

(3,620,122)

840,393

Short term investments

400,000

2,604,678

3,004,678




27.


Related party transactions

At the year end 31 August 2025, the Charity held cash deposits of £125,000 on behalf of the Charitable Fund of Rabbi Abraham and Estelle Levy. J Levy, a trustee of the Charity, is also a trustee of the Charitable Fund of Rabbi Abraham and Estelle Levy.

Page 35