Annual report and financial statements for the year ended 31 March 2024CONTENTS03settle at a glance04Highlights for 2023/2405Key Information06Chair's Statement07Chief Executive's Statement08Strategic Report09Financial and Operating Review10Value for Money11Risk Assurance Framework12The Report of the Board of Directors13Environment, Social and Governance Report14Independent Auditors Report to The Members of settle Group15Financial Statements16Notes 1 - 217Notes 3 - 1818Notes 19 - 36