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# Charity Registration Number Charity Registration Number : 1105473
# Company Registration Number : 05074677
## BANNERS GATE COUNSELLING CENTRE
A COMPANY LIMITED BY GUARANTEE
FINANCIAL STATEMENTS
FOR THE YEAR ENDED
31 DECEMBER 2025

#### BANNERS GATE COUNSELLING CENTRE CONTENTS FOR THE YEAR ENDED 31 DECEMBER 2025
Legal and Administrative Information
Trustees' Report
Independent Examiner's Report
Statement of Financial Activities
Balance Sheet
Notes to the Financial Statements

#### BANNERS GATE COUNSELLING CENTRE LEGAL AND ADMINISTRATIVE INFORMATION FOR THE YEAR ENDED 31 DECEMBER 2025
Trustees | Rosalind Clackett Philip Harborne Robert Hoverd Frances Lumley Giuseppe Macerola Helen Mennis
Charity Number | 1105473
Company Number | 05074677
Registered Office | The Upper Room St Michaels House Sutton Coldfield B73 5UE
Independent Examiner | Adams Moore Limited 1 Wrens Court 53 Lower Queen Street Sutton Coldfield B72 1RT

#### BANNERS GATE COUNSELLING CENTRE TRUSTEES' REPORT FOR THE YEAR ENDED 31 DECEMBER 2025
The trustees present their annual report and financial statements for the year ended 31 December 2025.
Trustee's report and financial statements The trustees who are also directors of the charity for the purposes of the Companies Act 2006, present their report with the financial statements of the charity for the year ended 31 December 2025. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).
Objectives and activities Banners Gate Counselling Centre aims to promote, safeguard and protect the mental health and well being of people through the provision of confidential counselling services to persons having difficulties in their personal lives whether thorough bereavement, marital difficulties, retirement, redundancies, stress or any other situation which gives rise to anxiety and stress. We aim to promote and provide education and training for those involved in counselling and to advance education of the public in the part that counselling can play to increase the provision of counselling support to the bereaved and to those who are mentally, physically and socially disabled. Banners Gate Counselling Centre serves adults in the local community by providing an accessible and affordable counselling service in a safe, confidential environment where people are genuinely accepted and their values respected. Individuals are encouraged to value themselves and are given the time and opportunity to make choices for a more satisfying and meaningful way of life. Throughout the year the Trustee objectives were: To ensure that the Centre continued to provide a high standard of counselling within the community - this is evident through the comments made via the evaluation sheets that clients fill in when they have their final counselling session. To ensure that the Centre has strong and robust finances. This has been achieved, with a small surplus recorded for the year. The finances have been regularly scrutinised throughout the year and savings made where possible. The Trustees are confident that the Centre is financially secure for 2026.
Achievements and performance Throughout 2025, the Trustees met on a regular basis and have ensured that the mission statement continued to be upheld. As chair of the Trustees, I greatly appreciate and am very thankful for all the support that the Trustees give in whatever capacity to the Centre. Without them, affordable counselling could not be offered to those in need within the community. Staffing During the year, 2 counsellors left and 6 joined giving a total of 18. In addition, 2 new receptionists were appointed taking the total to 9. The Trustees value greatly and thank the volunteers for the time and work that they give to the Centre. Without them, affordable counselling could not be offered to those in need within the community. Clients During the year, 124 different clients attended counselling at the Centre. Of those, 79% were female and 21% were male. 1,358 counselling sessions were delivered, an increase of 15% year on year. There was an increase in clients in the older age range: 18-40 28% 41-60 44% 61+. 28% The majority of clients were White British - 84%. The remainder comprised of clients from 9 other ethnic groups. The proportion of returning clients continues to increase year-on-year, which is testament to the excellent quality of counselling services provided. Returning client. 49% Personal recommendation. 32% Professional referral 8% Website 8% Other 3% Outcomes 57 clients ended with sufficient data to calculate clinical outcomes. Fully recovered 54% Reliable improvement 16% No reliable change 30% This compares satisfactorily with the NHS IAPT recovery standard of 50%.
Financial review Clients are provided with the information that the Centre is a charity and voluntary organisation. They are asked for a registration fee of £20 and then weekly contributions based on what they are able to contribute. Guidelines are given and all contributions greatly assist the Centre with its running costs. Those clients who pay are encouraged to Gift Aid their contribution. We are socially inclusive and no one is turned away because of an inability to pay. Our income is mainly generated from a combination of registration fees, weekly contributions, Gift Aid and a small amount of interest from funds held on deposit. We are extremely grateful to a small number of local Churches for their ongoing donations and on occasion to a member of the public who may have cause to support us. In 2025 the Centre benefited from a legacy from the estate of a previous manager. The Trustees thank all those who give support to the Centre and especially our volunteers who, with the variety of skills and professionalism, are invaluable in ensuring that the Centre continues to deliver its high level of service within the community.
Structure, governance and management Governing Document The Company is registered as a Charitable Company Limited by Guarantee and was set up by a Memorandum of Association on 16th March 2004 (Registered Charity Number: 1105473 - Company Number: 5074677). The Charity is controlled by its governing document, a Deed of Trust, and constitutes a Limited Company, limited by guarantee, as defined by the Companies Act 2006. In the event of the charitable company being wound up, the liability of the members is limited to £1. The number of Trustees shall not be less than three but (unless otherwise determined by ordinary resolution) and shall not be subject to any maximum. To appoint or elect a Trustee, it is the management of the company and the responsibility of the Trustees who are elected and co-opted under the terms of the Articles of Association to make such appointments.
Trustees 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: Rosalind Clackett Philip Harborne Robert Hoverd Frances Lumley Giuseppe Macerola (Appointed On: 29/07/2025) Helen Mennis
Trustee's responsibilities statement The trustees, who are also the directors of Charity For Banners Gate Counselling Centre for the purpose of company law, are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice). Company Law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that year. In preparing these financial statements, the trustees are required to: select suitable accounting policies and then apply them consistently; observe the methods and principles in the Charities SORP; make judgements and estimates that are reasonable and prudent; 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 charity will continue in operation. The trustees are responsible for keeping adequate accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.
This report was approved by the trustees and signed on its behalf by: ------------------------------------------------------------------------ Rosalind Clackett Trustee Date : 04 August 2026

#### BANNERS GATE COUNSELLING CENTRE INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 DECEMBER 2025
Independent Examiner’s Report to the Trustees of Banners Gate Counselling Centre I report to the Charity Trustees on my examination of the accounts of the charity for the year ended 31 December 2025 which consists of the statement of financial activities, balance sheet and the related notes Responsibilities and basis of report As the charity’s trustees you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act') I report in respect of my examination of the charity's accounts carried out under section 145 of the Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. Independent Examiner's Statement I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination which gives me cause to believe that in, any material respect: the accounting records were not kept in accordance with section 130 of the Charities Act; or the accounts did not accord with the accounting records; or the accounts did not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair’ view which is not a matter considered as part of an independent examination. I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.
Name: Abbey Ricketts for and on behalf of Adams Moore Limited
Date: 04 August 2026

#### BANNERS GATE COUNSELLING CENTRE STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2025
Recommended categories by activity | Notes | Unrestricted funds £ | Restricted funds £ | Total Funds 2025 £ | Total Funds 2024 £
--- | --- | --- | --- | --- | ---
Income and endowments from: |  |  |  |  |
Donations and legacies | 2 | 33,914 | - | 33,914 | 27,511
Investments | 3 | 431 | - | 431 | 392
Total |  | 34,345 | - | 34,345 | 27,903
Expenditure on: |  |  |  |  |
Charitable activities | 4 | 31,807 | - | 31,807 | 30,683
Total |  | 31,807 | - | 31,807 | 30,683
Net income/(expenditure) |  | 2,538 | - | 2,538 | (2,780)
Net movement in funds |  | 2,538 | - | 2,538 | (2,780)
Reconciliation of funds: |  |  |  |  |
Total funds brought forward |  | 32,720 | 479 | 33,199 | 35,978
Total funds carried forward |  | 35,258 | 479 | 35,737 | 33,198

#### BANNERS GATE COUNSELLING CENTRE BALANCE SHEET FOR THE YEAR ENDED 31 DECEMBER 2025
Recommended categories by activity | Notes | Total Funds 2025 £ | Total Funds 2024 £
--- | --- | --- | ---
Current assets |  |  |
Cash at bank and in hand | 6 | 37,453 | 34,741
Total current assets |  | 37,453 | 34,741
Creditors: amounts falling due within one year | 7 | 1,717 | 1,542
Net current assets |  | 35,736 | 33,199
Total net assets |  | 35,736 | 33,199
Funds of the Charity |  |  |
Unrestricted funds | 8 | 35,258 | 32,720
Restricted funds | 8 | 479 | 479
Endowment funds | 8 | - | -
Total funds |  | 35,737 | 33,199
For the year ended 31 December 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476.
The trustees acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of accounts.
These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies regime.
The financial statements were approved by the trustees on 04 August 2026 and signed on its behalf by: Rosalind Clackett Trustee Date : 04 August 2026

#### BANNERS GATE COUNSELLING CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
Charity for Banners Gate Counselling Centre is a Charitable Company (Limited by Guarantee) in Charity Commission for England and Wales. The registered office is The Upper Room, St Michaels House, 198 Boldmere Road, Sutton Coldfield, B73 5UE.
## 1. Accounting Policies
The principal accounting policies adopted by the Charity, which is a public benefit entity, in the preparation of the accounts are as follows.
### 1.1 Basis of preparation These accounts have been prepared under the historical cost convention, as modified by the inclusion of charitable properties and fixed asset investments and investment properties at valuation. These accounts have been prepared in accordance with “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) - (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011. These accounts are presented in pounds sterling and rounded to the nearest pound.
### 1.2 Income from donations or grants Income from donations and grants is recognised when the charity is entitled to the funds, the receipt is probable and the amount can be measured reliably. For donations, this is usually on receipt. For grants, this is usually when a formal offer is made in writing. If a donation or grant contains terms and conditions outside of the charity’s control which must be met before the charity is entitled to the funds, or if the donor specifies that the funds must be used in future time periods, then the income is deferred.
### 1.3 Tax reclaims on donations and gifts Gift Aid receivable is included in income when there is a valid declaration from the donor. Any Gift Aid amount recovered on a donation is considered to be part of that gift and is treated as an addition to the same fund as the initial donation unless the donor or the terms of the appeal have specified otherwise.
### 1.4 Expenditure Expenditure is recognised when a present legal or constructive obligation exists at the balance sheet date as a result of a past event, it is probable that a transfer of economic benefits will be required to settle the obligation, and the amount can be estimated reliably. It is inclusive of VAT which cannot be recovered. All costs, including governance costs, are allocated between the expenditure categories of the charity on a basis designed to reflect the use of the resource. Costs relating to a particular activity are charged directly; others are apportioned on an appropriate basis.
### 1.5 Taxation The organisation is a registered charity and has no liability to income tax or corporation tax on its charitable activities during the year.
### 1.6 Fund accounting Unrestricted funds are those 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. 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.
## 2. Income from Donations and Legacies
Analysis |  | Unrestricted funds |  | Total funds 2025 |  | Total funds 2024
|  | £ |  | £ |  | £
Bequests |  | 2,000 |  | 2,000 |  | -
Centre Donations |  | 23,530 |  | 23,530 |  | 21,208
Church Donations |  | 800 |  | 800 |  | 400
Gift Aid |  | 5,760 |  | 5,760 |  | 4,479
Other Donations |  | 354 |  | 354 |  | -
Registration Fees |  | 1,470 |  | 1,470 |  | 1,424
Total |  | 33,914 |  | 33,914 |  | 27,511
## 3. Income from Investments
Analysis |  | Unrestricted funds |  | Total funds 2025 |  | Total funds 2024
|  | £ |  | £ |  | £
Interest income |  | 431 |  | 431 |  | 392
Total |  | 431 |  | 431 |  | 392
## 4. Expenditure on Charitable Activities
Analysis |  | Unrestricted funds |  | Total funds 2025 |  | Total funds 2024
|  | £ |  | £ |  | £
Bank charges |  | - |  | - |  | 25
Printing and stationery |  | 105 |  | 105 |  | 10
Supervisors Fees |  | 2,800 |  | 2,800 |  | 2,837
Reimbursement To Counsellors |  | 2,234 |  | 2,234 |  | 1,340
Rent |  | 16,168 |  | 16,168 |  | 15,375
Rates |  | 1,445 |  | 1,445 |  | 2,442
Light & Heat |  | 1,916 |  | 1,916 |  | 1,611
Repairs & Maintenance |  | 1,018 |  | 1,018 |  | 674
Insurance |  | 1,274 |  | 1,274 |  | 1,203
Telephone |  | 1,620 |  | 1,620 |  | 1,745
Subscriptions |  | 347 |  | 347 |  | 292
Travelling Expenses |  | 1,307 |  | 1,307 |  | 1,261
Refreshments |  | 194 |  | 194 |  | 80
General Expenses |  | 479 |  | 479 |  | 948
Total |  | 30,907 |  | 30,907 |  | 29,843
Support Costs |  | 900 |  | 900 |  | 840
|  | 31,807 |  | 31,807 |  | 30,683
## 5. Support Costs
Analysis | Total funds 2025 | Total funds 2024
--- | --- | ---
£ | £
Support Costs |  |
Governance Costs |  |
Independent examiners fees | 900 | 840
| 900 | 840
## 6. Cash at bank and in hand
Analysis | Total funds 2025 |  | Total funds 2024
--- | --- | --- | ---
| £ |  | £
Bank Deposit Account | 32,000 |  | 30,065
Bank Current Account | 5,453 |  | 4,676
Total | 37,453 |  | 34,741
## 7. Creditors: Amounts falling due within one year
Analysis of Creditors | Total funds 2025 |  | Total funds 2024
--- | --- | --- | ---
| £ |  | £
Accruals and deferred income | 1,717 |  | 1,542
Total | 1,717 |  | 1,542
## 8. Charity funds
### 8.1 Details of material funds held and movements during the CURRENT reporting period
Fund names |  | Fund balances brought forward |  | Income |  | Expenditure |  | Fund balances carried forward
| £ |  | £ |  | £ |  | £
Unrestricted funds
|  | 32,720 |  | 34,344 |  | 31,807 |  | 35,257
Restricted funds
|  | 479 |  | - |  | - |  | 479
Total |  | 33,199 |  | 34,344 |  | 31,807 |  | 35,736
Restricted funds relate to Chair Lift, there have been no movements in the year.
### 8.2 Details of material funds held and movements during the PREVIOUS reporting period
Fund names |  | Fund balances brought forward |  | Income |  | Expenditure |  | Fund balances carried forward
| £ |  | £ |  | £ |  | £
Unrestricted funds
|  | 35,499 |  | 27,903 |  | 30,682 |  | 32,720
Restricted funds
|  | 479 |  | - |  | - |  | 479
Total |  | 35,978 |  | 27,903 |  | 30,682 |  | 33,199
Restricted funds relate to Chair Lift, there have been no movements in the year.
### 8.3 Designated funds There are no designated funds.
## 9. Transactions with trustees and related parties ### 9.1 Trustee remuneration and benefits
There were no trustees' remuneration or other benefits for the year ended 31st December 2025 or for the year ended 31st December 2024.
### 9.2 Trustees' expenses There were no trustees' expenses paid for the year ended 31st December 2025 or for the year ended 31st December 2024.
### 9.3 Transaction(s) with related parties There were no related party transactions for the year ended 31st December 2025.
## 10. Average Number of Employees
| This year | Last year
| 0 | 0
Total | 0 | 0
Average number of employees during this year : 0 and last year : 0