## **Trustees’ Annual Report for the period** **From 1[st] January 2025 to 31[st] December 2025** ## **Charity name: Cardiganshire Horticultural Society** ## **Charity registration number: 1016174** ## **Objectives and Activities** ||SORP reference|| |---|---|---| |Summary of the purposes of
the charity as set out in its
governing document|Para 1.17|To advance education in horticulture
To promote the improvement of horticulture
in the community| |Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or
services identified in the
accounts.|Para 1.17 and
1.19|The Charity:
-
holds guest lecture series’ on
horticultural themes
-
organises day trips and residential
trips to visit gardens of note
-
holds an annual plant sale| |Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit|Para 1.18|The trustees have had regard to the
guidance issued by the Charity
Commission on public benefit.| **Additional information (optional)** You may choose to include further statements where relevant about: ||SORP reference|| |---|---|---| |Policy on grant making|Para 1.38|The Charity does not make grants.| |Policy on social investment
including program related
investment|Para 1.38|The Charity does not use social
investments.| |Contribution made by
volunteers|Para 1.38|The Charity does not have any volunteers.| Other ## **Achievements and Performance** ||SORP reference|| |---|---|---| |Summary of the main
achievements of the charity,
identifying the difference the
charity’s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.|Para 1.20|Through its activities referred to above (see
SORP reference 1.17 and 1.19 above), the
Charity provides members of the local
community with the opportunity to extend
their horticultural knowledge and expertise,
by becoming members of the Charity.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |Achievements against
objectives set|Para 1.41|The Charity’s objectives are as per its
charitable purposes (see SORP reference
1.17 above). See directly above for the
means by which the Charity achieves these
objectives.| |---|---|---| |Performance of fundraising
activities against objectives
set|Para 1.41|The Charity raises money through its
membership fees, by holding an annual
plant sale, tabletop plant sales at its lecture
series meetings, and from general
donations. Currently, it also receives an
annual grant from the Lady Grace James
Memorial Fund. The Charity has no specific
objectives as regards the amount of funds
to be raised from each of these sources.| |Investment performance
against objectives|Para 1.41|The Charity does not make investments.| |Other||| ## **Financial Review** |**Financial Review**||| |---|---|---| |Review of the charity’s
financial position at the end
of the period|Para 1.21|The Charity has a deficit of £754.59 for the
year ended 31stDecember 2025. This is
lower than last year. As at 31 December
2025, its reserves were £7,255.68. The
Charity therefore has sufficient funds to
continue operating at its current deficit level
for a number of years. However, over the
course of 2026, the Trustees will be
discussing ways in which the deficit can be
eliminated for future years, with the
intention of putting such measures in place
by 2027.| |Statement explaining the
policy for holding reserves
stating why they are held|Para 1.22|The Charity has a financial policy, pursuant
to which it must aim to maintain a reserves
amount to cover essential running costs
(e.g. insurance and hall fees) for a period
of 24 months. This requirement is currently
being met.| |Amount of reserves held|Para 1.22|£7,255.68| |Reasons for holding zero
reserves|Para 1.22|N/A| |Details of fund materially in
deficit|Para 1.24|N/A| |Explanation of any
uncertainties about the
charity continuing as a going
concern|Para 1.23|There are currently no uncertainties about
the Charity continuing as a going concern
in the near future. But see reference 1.46
below for longer-term risks.| |**Additional information (optional)**
You may choose to include further statements|**Additional information (optional)**
You may choose to include further statements|where relevant about:| |---|---|---| |The charity’s principal
sources of funds (including
any fundraising)|Para 1.47|See SORP reference 1.41 above for a list
of the Chairty’s principal sources of funds.| |Investment policy and
objectives including any
social investment policy
adopted|Para 1.46|The Charity does not have an investment
policy.| |A description of the principal
risks facing the charity|Para 1.46|The principal risks to the Charity are as
follows:
-
Currently, the Charity receives
significant funding from the Lady
Grace James fund. In 2025, this
amount was £800. If this funding
were to cease, it may be difficult for| |||the Charity to raise replacement
funds by other means – with the
result that our reserves would
become fully depleted in a number
of years and the Charity would have
insufficient funds to continue.
-
The Charity needs a large
committee of Trustees to operate.
Many of the Trustees have served
on the committee for a number of
years. A large number of Trustees
have retired from the committee this
year, and a number of others have
indicated their intention to do so
within the next 1 - 3 years. The
future of the Charity depends on
there continuing to be sufficient
individuals prepared to serve on the
committee going forward.| |---|---|---| |Other||| ## **Structure, Governance and Management** |Description of charity’s
trusts:||| |---|---|---| |Type of governing document
(trust deed, royal charter)|
Para 1.25|Constitution of a charitable unincorporated
association| |How is the charity
constituted?
(e.g unincorporated
association, CIO)|Para 1.25|Charitable unincorporated association| |Trustee selection methods
including details of any
constitutional provisions e.g.
election to post or name of
any person or body entitled
to appoint one or more
trustees|Para 1.25|The Trustees are appointed by the general
membership. There must be 14 trustees –
7 of whom must be officers with named
positions, and 7 general trustees. Trustees
must step down and stand for re-election
every 3 years. If a person ceases to be a
trustee mid-term, the other trustees can
appoint an alternative person to fill a
vacancy. The appointee will hold office for
the remainder of the retiring trustee’s term
and is then subject to re-appointment by
the membership.
At the AGM in March 2026, the
membership will be asked to adopt a new
constitution which, amongst other things,
would alter the above provisions.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |Policies and procedures
adopted for the induction
and training of trustees|Para 1.51|None| |---|---|---| |The charity’s organisational
structure and any wider
network with which the
charity works|Para 1.51|The Charity’s organisational structures are
as per its constitution.| |Relationship with any
related parties|Para 1.51|N/A| |Other||| ## **Reference and Administrative details** |Charity name|Cardiganshire Horticultural Society| |---|---| |Other name the charity uses|None| |Registered charity number|1016174| |Charity’s principal address|The Charity’s registered office address is 61 Bridge
Street, Kington, HR5 3DJ| **Names of the charity trustees who manage the charity** |1
2
3
4
5
6
7
8
9|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**
**year **|**Name of person (or body) entitled**
**to appoint trustee (ifany)**| |---|---|---|---|---| ||Kate Beech|President|To 6/12/25|N/A| ||Peter Wootton-
Beard|Chair||N/A| ||Catherine Byers|Vice Chair|From 11/3/25|N/A| ||BarryThomas|Treasurer||N/A| ||Shelagh Byers|Secretary|From 11/3/25|N/A| ||Anne Ellin|Membership
Secretary||N/A| ||Val Jones Hughes|Lecture Secretary||N/A| ||Nia Hughes|Summer Trips
Organiser||N/A| ||Bethan Hughes|Summer Trips
Organise|To 7/12/25|N/A| |
10
11
12
13|Jan Eldridge|Annual Trip
Organiser|From 26/11/25|| |---|---|---|---|---| ||Edwina Ellis|Website Coordinator|To 17/1/26|N/A| ||PennyDavid|Spadework Editor||N/A| ||KayEdwards|||N/A| ||Stuart Bradley|||N/A| – Corporate trustees names of the directors at the date the report was approved **Director name** None Name of trustees holding title to property belonging to the charity |**Trustee name**|**Dates acted if not for whole year**|| |---|---|---| |N/A||| |||| |||| |||| |||| |||| ## **Funds held as custodian trustees on behalf of others** Description of the assets None held in this capacity Name and objects of the N/A charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for N/A safe custody and segregation of such assets from the charity’s own assets ## **Additional information (optional)** ## **Names and addresses of advisers (Optional information)** |**Type of**
**adviser**
**Name**
**Address**|**Type of**
**adviser**
**Name**
**Address**|**Type of**
**adviser**
**Name**
**Address**| |---|---|---| |N/A||| |||| |||| |||| |**Name of chief executive or names of senior staff members (Optional information)**||| |N/A||| N/A ## **Exemptions from disclosure** ## Reason for non-disclosure of key personnel details N/A ## **Other optional information** N/A ## **Declarations** **The trustees declare that they have approved the trustees’ report above.** **Signed on behalf of the charity’s trustees** **Signature** **Full name**[Catherine Byers ] **Position (eg Secretary,** Vice Chair **Chair, etc) Date** 18th February 2026 ~~po~~ ## **Cardiganshire Horticultural Society Accounts Year Ended 31/12/25** ## **Balance Sheet** |**Opening Balances**|**01/01/25**||**Closing Balances**|**31/12/25**|| |---|---|---|---|---|---| |TSB Current|1070.95||TSB Current|611.02|| |TSB Savings|6644.24||TSB Savings|5331.23|| |Nat West Trips|295.08||Nat West Trips|1313.43|| |Surplus/(Deficit) for y/e 31/12/2025||8010.27
(754.59)|||| |||7255.68|||7255.68
0.00| |||**Receipts and Payments**|**Receipts and Payments**||| |---|---|---|---|---|---| |**Receipts**
Outings Income
Membership Subs
Plant Sales
Collections
Tabletop Sales
Grant
Interest
Other Receipts
**2025**|29969.60
1507.49
1213.93
0.00
29.33
800.00
86.99
521.46||**Receipts**
Outings Income
Membership Subs
Plant Sales
Collections
Tabletop Sales
Grant
Interest
Other Receipts|4358.80
1489.00
1208.03
99.92
115.70
800.00
104.67
0.00
**2024**|| |**Payments**
Outings
Website & IT
AGM costs
Plant Sale costs
Donations made
RHS subscription
Insurance
Room hire
Admin expenses
”Spadework”
Speakers
Other Payments
Sundries|30507.00
359.87
310.50
155.84
200.00
0.00
253.61
150.00
643.31
764.60
1016.00
200.99
321.67|34128.80|**Payments**
Outings
Website & IT
AGM costs
Plant Sale costs
Donations made
RHS subscription
Insurance
Room hire
Admin expenses
”Spadework”
Speakers
Other Payments
Sundries|5366.50
887.66
309.80
33.87
200.00
45.00
80.00
90.00
434.34
574.40
780.00
360.00
43.65|8176.12| |||34883.39|||9205.22| |**Surplus/(Deficit)**||(754.59)|**Surplus/(Deficit)**||(1029.10)| ## **Independent examiner's report on the accounts** **Section A Independent Examiner’s Report** **Report to the trustees/ members of Cardiganshire Horticultural Society On accounts for the** 1[st] January 2025 to 31[st] December **Charity no period** 2025 **(if any) 1016174** I report to the trustees on my examination of the accounts of the above **Responsibilities and** charity for the period 1[st] January 2025 to 31[st] Decemebr 2025 **basis of report** As the charity trustees of the Trust, 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 Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. The accounts have been prepared on a Receipts and Payments basis in accordance with section 133 of the act. **Independent** I confirm that I have the requisite skills and experience to conduct the **examiner's statement** Independent Examination for this charity to the standards required as set out in Appendix 5 of CC32. Although retired from practice as an accountant and as a member of a listed professional accountancy body, I continue to conduct a number of examinations on a voluntary basis every year. I also confirm that I am independent of the charity as set out in Direction 2 of CC32. 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: - accounting records were not kept in accordance with section 130 of the Act or - the accounts do not accord with the accounting records I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached. **Date:** 16/3/26 **Signed:** ~~a~~ **Name:** Andy Moore ~~Cs~~ **Address:** Blaenpentre, Swyddffynnon, Ystrad Meurig, SY25 6AW ~~Co~~