## **Trustees’ Annual Report 2024** 

**Charity Name:** The Stour Valley University of the Third Age 

## **Charity No:** 1030445 

**Address:** 3 Sitwell Close, Lawford, Manningtree, Essex CO11 2SX 

**Trustees:** Christopher Charles Jewell, Paul Edward Lake, Susan Carole Basted, Margaret Eileen Cross, Susan Denise Clark, Susan Mandy Webster, Peter James Winder, Patricia Chandler, Valerie Simper and Lotte Klama Olga Sharman 

**Structure and Management:** The charity comes under the umbrella of the Third Age Trust. Membership of the charity is on an annual subscription basis The charity is managed by a committee of all the above trustees. The trustees are appointed from the members in an annual general meeting 

**Activities and Objectives:** The objective of the charity is to provide educational, sporting and social outlets in the lower Stour Valley, centred around East Bergholt and Manningtree, for its members. Membership is open to the general public as long as they are not in full time work and is therefore geared mainly, but not exclusively, towards retirees. The objectives of the charity are met through the operation of a number of specialised interest groups. A monthly lecture and coffee morning are also held which are available to all members 

**Achievements and Performance:** The charity is going from strength to strength as our membership base has now risen to over 500 people with over 40 active interest groups 

**Financial  Review:** The  charity  continues  to  be  in  a  strong  financial  position  despite sustaining a small loss for the year with over £17,000 in reserves as at 31 August 2024. However, if you strip out the figures for the no 2 account of £4,300, groups holding cash of £1,650 and prepaid subscriptions of £3,000 you end up with a more realistic usable reserve of some £8,000 

Paul Lake Treasurer Stour Valley u3a 25 June 2025 



## Stour Valley u3a Receipts and Payments Account For the year 1 September 2023 to 31 August 2024 

|Opening Balance B/fwd<br>Receipts<br>Membership subscriptons 2023/24<br>Membership subscriptons 2024/25<br>HMRC Gif Aid<br>Rafe Proceeds<br>Donatons<br>COIF account Interest<br>Transfer from No 1 Account<br>Groups and Social Events (see analysis)<br>TOTAL Receipts<br>Payments<br>Beacon Annual Fee<br>Third Age Trust (TAT) Member fees<br>Third Age Maters (TAM) Magazine Postage<br>Hire of Halls<br>Speaker fees<br>Purchases<br>Donatons<br>Statonery, Postage & Copying<br>Group Grants<br>Transfer to COIF account<br>Groups and Social events (see analysis)<br>TOTAL Payments<br>Total Receipts less Payments<br>Closing Balance c/fwd||||Year Ended 31 August 2024|Year Ended 31 August 2024|Year Ended 31 August 2024|Year Ended 31 August 2024|Year Ended 31 August 2024|Year Ended 31 August 2024|Year Ended 31 August 2024||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
||No 1<br>Account<br>No 2<br>Account|||COIF<br>Membership<br>Float|||Treasury<br>Total|Groups<br>holding Cash|||Total All<br>Funds|Year ended<br>31.8.2023||
|||3,662.21<br>4,702.76<br>6,200.00<br>48.00<br>2,995.00<br>194.00<br>79.00<br>15,518.15||4,824.10<br>276.29<br>2,000.00|50.00||13,239.07<br>6,248.00<br>2,995.00<br>194.00<br>79.00<br>276.29<br>2,000.00<br>15,518.15|917.11<br>11,221.50|||14,156.18 <br>6,248.00<br>79.00<br>276.29<br>2,000.00<br>26,739.65|<br>|11,979.37<br>6,032.00<br>755.48<br>62.00<br>139.37<br> 22,758.11|
|||9,468.00 15,566.15||2,276.29|||27,310.44<br>11,221.50||||35,342.94||29,746.96|
|||456.00<br>1,824.00<br>2,042.20<br>573.50<br>148.00<br>1,166.81<br>24.00<br>194.00<br>388.68<br>400.00<br>2,000.00<br>15,820.41|||||456.00<br>1,824.00<br>2,042.20<br>721.50<br>1,166.81<br>24.00<br>194.00<br>388.68<br>400.00<br>2,000.00<br>15,820.41|10,480.09|||456.00<br>1,824.00<br>2,042.20<br>721.50<br>1,166.81<br>24.00<br>194.00<br>388.68<br>400.00<br>2,000.00<br>26,300.50||1,760.00<br>489.58<br>308.00<br>1,012.05<br>174.99<br>662.17<br>400.00<br> 22,763.36|
|||9,069.19 15,968.41|||||25,037.60<br>10,480.09||||35,517.69||27,570.15|
|||398.81|-402.26|2,276.29|||2,272.84||741.41||-174.75||2,176.81|
|||4,061.02|4,300.50|7,100.39|50.00||15,511.91||1,658.52||17,170.43||14,156.18|



Page 1 



## Stour Valley u3a Analysis of Account No 2 

For the year 1 September 2023 to 31 August 2024 

|Opening Balance B/fwd<br>Receipts<br>Subs paid in wrong account<br>Social Events<br>Churches<br>European Travel<br>Film & Theatre Group<br>Group Grants<br>Gardens Holiday<br>Gardens Visits<br>Get Fit Again<br>Thinking aloud<br>TOTAL Receipts<br>Payments<br>Hire of Halls<br>Social Events<br>Churches<br>European Travel<br>Film & Theatre Group<br>Gardens Holiday<br>Gardens visits<br>TOTAL Payments<br>Receipts less Payments<br>Closing Balance C/fwd|Churches<br>9.59<br>130.00|Churches<br>9.59<br>130.00|Art Lab<br>-15.85|Art Lab<br>-15.85|Garden Visits<br>Garden Holiday<br>2,535.66<br>90.30<br>9.45<br>4,930.80|Garden Visits<br>Garden Holiday<br>2,535.66<br>90.30<br>9.45<br>4,930.80|Garden Visits<br>Garden Holiday<br>2,535.66<br>90.30<br>9.45<br>4,930.80|Garden Visits<br>Garden Holiday<br>2,535.66<br>90.30<br>9.45<br>4,930.80|Euro Travel<br>570.22<br>459.00|Euro Travel<br>570.22<br>459.00|Wine Appreciat'n<br>Film/ Theatre<br>-50.00<br>481.95<br>4,790.90|Wine Appreciat'n<br>Film/ Theatre<br>-50.00<br>481.95<br>4,790.90|Wine Appreciat'n<br>Film/ Theatre<br>-50.00<br>481.95<br>4,790.90|Wine Appreciat'n<br>Film/ Theatre<br>-50.00<br>481.95<br>4,790.90|Social Events<br>1,475.87<br>5,198.00|Social Events<br>1,475.87<br>5,198.00|Thinking Aloud<br>Get Fit Again<br>-49.00<br>5,048.74<br>5,198.00<br>130.00<br>459.00<br>4,790.90<br>0.00<br>9.45<br>4,930.80<br>50.00<br>50.00<br>-50.00<br>-50.00<br>Total group<br>expenses|Thinking Aloud<br>Get Fit Again<br>-49.00<br>5,048.74<br>5,198.00<br>130.00<br>459.00<br>4,790.90<br>0.00<br>9.45<br>4,930.80<br>50.00<br>50.00<br>-50.00<br>-50.00<br>Total group<br>expenses|Thinking Aloud<br>Get Fit Again<br>-49.00<br>5,048.74<br>5,198.00<br>130.00<br>459.00<br>4,790.90<br>0.00<br>9.45<br>4,930.80<br>50.00<br>50.00<br>-50.00<br>-50.00<br>Total group<br>expenses|Thinking Aloud<br>Get Fit Again<br>-49.00<br>5,048.74<br>5,198.00<br>130.00<br>459.00<br>4,790.90<br>0.00<br>9.45<br>4,930.80<br>50.00<br>50.00<br>-50.00<br>-50.00<br>Total group<br>expenses|-51.00<br>48.00<br>Adjust to subs<br>incorrectly<br>received<br>through no 2<br>a/c|-294.98<br>Payments<br>incorrectly<br>made through<br>No 2 a/c|-294.98<br>Payments<br>incorrectly<br>made through<br>No 2 a/c|Total<br>4,702.76<br>48.00<br>5,198.00<br>130.00<br>459.00<br>4,790.90<br>0.00<br>9.45<br>4,930.80<br>50.00<br>-50.00|Total<br>4,702.76<br>48.00<br>5,198.00<br>130.00<br>459.00<br>4,790.90<br>0.00<br>9.45<br>4,930.80<br>50.00<br>-50.00|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
||130.00||0.00||4,930.80||9.45||459.00||0.00|4,790.90|||5,198.00||-50.00|50.00|15,518.15||48.00||0.00|15,566.15||
||130.00||||4,608.60||7.35||140.00||5,810.20||||5,124.26||5,124.26<br>130.00<br>140.00<br>5,810.20<br>7.35<br>4,608.60||||||148.00|148.00<br>5,124.26<br>130.00<br>140.00<br>5,810.20<br>7.35<br>4,608.60||
||130.00||0.00||4,608.60||7.35||140.00||0.00|5,810.20|||5,124.26||0.00|0.00|15,820.41||||148.00|15,968.41||
||0.00||0.00||322.20||2.10||319.00||0.00 -1,019.30||||73.74||-50.00<br>50.00|||-302.26|48.00||-148.00||-402.26|
||9.59||-15.85||2,857.86||92.40||889.22||-50.00||-537.35||1,549.61||-50.00<br>1.00|||4,746.48|-3.00||-442.98||4,300.50|



Page 2 



## Stour Valley u3a Analysis of Groups Holding Cash 

For the year 1 September 2023 to 31 August 2024 

Opening Balance B/fwd 

Receipts 

Art Lab Art Lovers Bridge Bridge & Cake Canasta Get Fit again Pickleball Quiz Singing for Fun Table Tennis Theatre and Film Thinking Aloud Ukulele 

TOTAL Receipts 

## Payments 

Art Lab Art Lovers Bridge Bridge & Cake Canasta Get Fit Again Pickleball Quiz Singing for fun Spanish Table Tennis Thinking Aloud Ukulele 

TOTAL Payments 

Receipts less Payments 

Closing Balance C/fwd 

|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|Art Lab<br>Art Lovers<br>Bridge<br>Ca<br>-7.40<br>0.00<br>244.50<br>0.00<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>Bridge &<br>Cake|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|nasta<br>Pickleball<br>Quiz<br>Ukelele<br>0.00<br>124.76<br>473.14<br>35.14<br>43.20<br>10.44<br>-40.00<br>0.00<br>33.33<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00<br>Get Fit<br>Again<br>Singing<br>for Fun<br>Table<br>Tennis<br>Theatre<br>and Film<br>Thinking<br>Aloud|Total<br>917.11<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00|Total<br>917.11<br>397.00<br>1,431.75<br>1,285.20<br>855.00<br>584.00<br>624.00<br>3,529.55<br>215.00<br>470.00<br>1,089.00<br>40.00<br>201.00<br>500.00|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|397.00|1,431.75|1,285.20|||855.00||584.00||624.00|3,529.55||215.00|470.00|1,089.00|40.00|201.00|500.00|11,221.50||
|395.00<br>1,431.75<br>1,382.30|||||464.47||398.06||521.00<br>3,550.64<br>180.48<br>443.30<br>1,097.00<br>162.00<br>454.09|||||||||395.00<br>1,431.75<br>1,382.30<br>464.47<br>398.06<br>521.00<br>3,550.64<br>180.48<br>443.30<br>0.00<br>1,097.00<br>162.00<br>454.09||
|395.00|1,431.75<br>1,382.30||||464.47||398.06||521.00<br>3,550.64<br>180.48<br>443.30<br>1,097.00<br>0.00<br>162.00<br>454.09|||||||||10,480.09||
|2.00<br>0.00|||-97.10||390.53||185.94||103.00||-21.09<br>34.52<br>26.70<br>-8.00<br>40.00<br>39.00<br>45.91||||||||741.41|
|-5.40|0.00||147.40||390.53||185.94||227.76||452.05<br>69.66<br>69.90<br>2.44<br>0.00<br>39.00<br>79.24||||||||1,658.52|



Page 3 



CHARITY COMMISSION
FOR ENGLAND AND WALES
Independent examiner's report on the
accounts
Section AP
Independent Examiner's Report
Report to the trustees
'Iiarity Na
I'klP J"7(JiJfK ￿ALL￿ I
JA
On accounts for the year
ended
315 T AuG-uJ7 201+
Charity no
(if any)
IOJO•S
Set out on pages
onio.liih
e llLirYi
itiong
Is
I report to the trustees on my examination of the accounts of the above
charity ("the Trust") for the year ended 3 1 o g 2ox+
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 Trust's accounts carried out
under section 145 of the 2011 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 rr
examiner's statement
apP1F8￿]]. Delete [ ] ifnot applicable.
I have completed my examination. I confirm that no material matters have
come to my attention in connection with the examination (othep
se1@￿￿.} 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.
Please delete the words in the brackets if they do not apply.
Signed:
Date:
Name:
Relevant professional
qualification(s) or body
IER
Oct 2018

(if any):
Address:
Trj i (-ILr r
coil IS
Section B
Disclosure
Only complete if the examiner needs to highlight material matters of concern
(see CC32, Independent examination of charity accounts: directions and
guidance for examiners).
Give here brief details of
any items that the
examiner wishes to
disclose.
IER
Oct 2018