OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator.

← The Cardiff U3A

2025-08-31-accounts

CHARITY COMMISSION FOR ENGLAND AND WALES fy #}|2, CHARITYFOR ENGLAND COMMISSION AND WALES

Trustees’ Annual Report for the period From 1 September From 1 September 2024 2024 Period start date To 31 August Period start date To 31 August 2025 2025 Period end date Period end date Charity Charity name: The Cardiff 3а name: The Cardiff u3a Trustees' Annual Report for the period

Charity registration
number: 1033518
Charity registration number: 1033518		 Charity registration
number: 1033518
Charity registration number: 1033518		 Charity registration
number: 1033518
Charity registration number: 1033518
Objectives
and Activities
Objectives and Activities
I SORP reference
Summary of the purposes of
the charity as set out in its
Para 1.17
The charity's
objective
('The Objective)
i s
the advancement
of education
and in
PT
SORPrerencd
Summaryofthe purposes of		 Para 1.17
The charity’s objective (‘The Objective) is
the charity as set out in its
the advancementofeducation and in
governing document
governing document		 particular the education o f older people
particularthe education ofolderpeople
and
those
retired
from
full
time
work,
by
and those retired from fulltime work, by
all means including
associated
activities
all means including associated activities
conducive
to learning
and personal
conducive to learning and personal
development i n Cardiff and surrounding
development in Cardiffand surrounding
Summary of the main
activities i n relation to those
Summaryofthemain
activities in relation tothose		 Para 1.17 and
1.19
iy 1.17and
©
purposes for the public
purposes for the public
benefit, in particular, the
benefit, in particular, the		 •
There
is a monthly
open
meeting
e
There is amonthlyopen meeting
activities, projects or
activities, projects or		 to which all members
are invited.
towhich all members are invited.
services identified in the
accounts.
services identified in the
accounts.		 •
Currently
there are 5 3 groups
covering
a wide range of topics
e
Currently there are 53groups
covering awide range oftopics
from art appreciation,
foreign
from art appreciation, foreign
language
groups,
gardening,
language groups, gardening,
history,
through
to change and
history, through to change and
transition.
transition.
•
Members
are free to join
as many
e
Members are freetojoin asmany
groups
a s their time allows.
groups as theirtime allows.
•
At Christmas
there i s a lunch to
e
At Christmas there is a lunch to
which all are invited.
which all are invited.
•
There
are coffee
mornings
to
e
There are coffee mornings to
welcome
new and prospective
welcome newand prospective
members
members
•
An annual 'meet the groups'
so
e
An annual ‘meet the groups’so
current
and prospective
members
currentand prospective members
can see what activities
are on
can see what activities are on
offer.
offer.
•
A n annual magazine
i s circulated,
e
Anannual magazine is circulated,
primarily
online,
with hard copies
primarily online, with hard copies
available
a s required.
available as required.
•
Several groups
arrange
outings
to
e
Several groups arrange outings to
places of interest
t o that group.
In
places of interest to thatgroup. In
addition,
there are two groups
addition, there are two groups
whose
purpose
is solely
to go on
whose purpose is solely togoon
trips.
trips.

Statement confirming Statement confirming Para 1.18 I n order to enhance In order to enhance the public benefit, the public benefit, whether the trustees have whether the trustees have the trustees the trustees have endorsed have endorsed the formation the formation had regard to the guidance had regard to the guidance of new groups of new groups and the continuation and the continuation of of issued by the Charity issued by the Charity existing existing ones. ones. The trustees The trustees endorse endorse the the Commission on public Commission on public three statements three statements below. below. benefit Socially: Socially: enjoy a n active and enjoyable enjoy an active and enjoyable social time and make new friends social time and make new friends Mentally: Mentally: stimulating stimulating conversation, conversation, learn learn new things, new things, improve improve confidence confidence Physically: Physically: enhance enhance fitness fitness by attending by attending outings, outings, events and group events and group The trustees The trustees believe that all u3a activities believe that ali u3a activities are carried out for the public benefit are carried out for the public benefit benefit Para 1.18

Additional Additional information information (optional) (optional) You may choose to include further statements where relevant about: a a Para 1.38 Policy on grant making prmommie ffPara 1.38 Para 1.38 Policy on social investment Policy on social investment including program related including program related investment Para 1.38 Contribution made by Contribution made by volunteers perm Other met You may choose to include further statements where relevant about: Para 1.38 investment SORP reference Para 1.38

Achievements Achievements and Performance and Performance

Achievements
and Performance
Achievements and		 and Performance
Performance		 and Performance
Performance
ne SORP reference
OZ		 During
the year, the charity
has been
Duringtheyear,thecharityhasbeen
working
t o increase its membership.
At
working to increase its membership. At
the end of the year, the membership
had
the end ofthe year, the membership had
Summary of the main
achievements of the charity,
Summary ofthe main
P
.
achievements ofthe charity,		 Para 1.20
Para 1.20		 risen to 1042, the highest
i t has been
risen to 1042, the highest it hasbeen
identifying the difference the
identifying the difference		 identifying the difference the
the		 To encourage
greater membership
of
To encourage greatermembership of
charity's work has made t o
charity’s workhasmade		 charity's work has made t o
to		 u3a, the publicity sub-group i s trying to
u3a, the publicity sub-group is trying to
the circumstances of its
the circumstances of its		 work
with
large
organisations
who have
work with large organisations who have
beneficiaries and any wider
beneficiaries and anywider		 pre-retirement
courses,
plus raising
pre-retirement courses, plus raising
benefits to society as a
benefits to society as a		 awareness o f the organisation
and its
awareness ofthe organisation and its
whole.
whole.		 aims. I t has put leaflets advertising
aims.
It has put leaflets advertising
Cardiff
u3a in a wide range of
Cardiffu3a in awide range of
organisations,
including
GP surgeries,
organisations, including GP surgeries,
libraries
and Wellbeing
Conventions.
libraries and Wellbeing Conventions.
The charity believes
that membership
of
The charity believes that membership of
u3a
has
wide
ranging
benefits,
helping
to
u3a has wide ranging benefits, helping to
reduce social isolation
and loneliness.
reduce social isolation and loneliness.
Improve
physical
and mental wellbeing
Improve physical and mental wellbeing
andconfidence.

Additional Additional information information (optional) (optional) You may choose to include further statements where relevant about: You may choose to include further statements where relevant about:

Achievements against
Achievements against		 Para 1.41
Para		 Para 1.41
1.41
objectives set
objectives set
Performance of fundraising
activities against objectives
Para 1.41
Performance offundraising
activities against objectives		 Par
set
set
Investment
performance
Investment performance		 Para
Para		 1.41
1.41
against objectives
against objectives
Other
See		 a

Financial Financial Review Review

Financial
Review
Financial Review
Review of the charity's
financial position at the end
Review ofthe charity's
financial position atthe end		 Para 1.21
Para 1.21		 At the year end, Cardiff
u3a was i n a
healthy
position,
having made a surplus
Attheyearend, Cardiffu3awas ina
healthy position, having made a surplus
of the period
ofthe period		 o f £523. This is less than the prior year
of£523. This is less than the prioryear
mainly
due
to the
reduction
in
mainly due to the reduction in
membership
fees
and
an
overall
loss
for
membership fees and an overall loss for
the groups,
last year they made a
the groups, lastyearthey made a
surplus.
There was also a desire not to
surplus. Therewas alsoa desire notto
build up too much excess
income.
build uptoomuch excess income.
The membership
fee for existing
Themembershipfee for existing
members was reduced
for 24/25 as the
members was reduced for24/25 as the
reserves
were
at the correct
level and a
reserves were at the correct level and a
larger surplus
was not required.
I n
larger surpiuswas not required. In
addition,
the tees paid by the groups
addition, the fees paid by thegroups
were reviewed
periodically
to try to
were reviewed periodically to try to
Statement explaining the
policy for holding reserves
Statementexplaining the
policy forholding reserves		 Para 1.22
Para 1.22		 ensure they finished close to zero.
The reserves
are held to enable Cardiff
ensure they
finished close to zero.
:
Thereservesare heldtoenable Cardiff
stating why they are held
statingwhythey are held		 U3A to meet any financial
commitments
U3Ato meetany financial commitments
to the Third Age Trust
i n the event of
to the Third AgeTrust in the event of
unplanned
closure
and to complete
the
unplanned closure and tocomplete the
membership
year within
which
this
membership yearwithin which this
closure occurs. This would include
closure occurs. Thiswould include
things
such as the fees due based on the
things such asthe feesdue based on the
membership
on 1 April. Should the
membership on 1 April. Should the
reserves
be in excess of the amount
reserves be in excess ofthe amount
required,
then membership
fees will b e
required, then membership fees will be
reduced
o r waived
i n that final year.
reduced orwaived in that final year.
Amount of reserves held
Reasons for holding zero
Amount of reserves held
Reasons forholding zero		 Para 1.22
Para 1.22
Para 1.22		 £14,000
N/A
£14,000
N/A
reserves
Details of fund materialy in
deficit
Explanation of any
uncertainties about the
reserves
Details offund materially in
deficit
Explanation ofany
uncertainties about the		 y in
Para 1.24
Para 1,23
 Para 1.24
Para 1.23
charity continuing as a
charity continuing as a		 concern.
concern.
going concern
going concern
Additional
information
(optional)
Additional information (optional)
You may choose to include further statements where relevant about:
You may
choose to include further statements		 You may choose to include further statements where relevant about:
where relevant about:

|The charity's principal
sources of funds (including
The charity's principal
sources offunds (including|Para
|Pf|1.47
1-47| |---|---|---| |any fundraising)
anyfundraising)|||

Investment policy and
Investment policy and
objectives including any
objectives including any		 Para 1.46
PBteIRet®
social investment policy
social investment policy
adopted
adopted
A description of the principal
Adescription ofthe principal		 Para
 Para
risks facing the charity
risks facing the charity
Other
me

Structure, Structure, Governance Governance and Management and Management

----- Start of picture text -----
|||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---| |Description of charity's| |trusts:|trusts:| |Constitution| |Type of governing document|[Para 1.25 ]| |How|is|the|charity|arari2s|Unincorporated|Unincorporated|association|association| |constituted?| |Trustee selection methods|Trustee|selection|methods|Para 125|Para|1.25|No-one may b e elected a trustee or a n officer|No-one may be elected|a|trustee|or an|officer| |including details of any|including|details|of any|at any annual general meeting unless prior to|at any annual general|meeting unless prior to| |constitutional provisions e.g.|constitutional|provisions|e.g.|the meeting the charity i s given a notice that:|the meeting the charity|is given|a notice that:| |election to post or name of|election|to|post or name|of|(a) is signed b y a member proposing a|(a)|is signed by|a member proposing a| |any person or body entitled|any|person|or body|entitled|candidate who is entitled to vote at the|candidate who is entitled to vote at the| |to appoint one or more|to appoint one|or more|meeting;| |trustees|(b) is signed by an unconnected|(b) is signed by an unconnected| |member seconding the same|candidate| |who is entitled|who|is|entitled|to|to vote at the meeting;|vote|at the meeting;| |(c) is signed b y the person who is t o b e|{c)|is|signed|by the|person who|is to|be| |proposed t o show their willingness to|proposed|to show|their|willingness to| |be appointed.| |In the event o f a casual vacancy among elected|In|the event of a|casual vacancy among elected| |o r co-opted charity trustees, the charity|or|co-opted|charity|trustees, the|charity| |trustees|trustees may|may appoint a person who is willing|appoint a|person who|is|willing to|to| |act t o be a charity trustee. A charity trustee so|act to be a|charity trustee. A charity trustee|so| |appointed|appointed|shall hold office only until the next|shall|hold|office only|until the|next| |annual general meeting.|annual|general|meeting.| |Should|Should more candidates be proposed than|more|candidates|be proposed|than| |places o n the board, a vote is to be taken.|places on|the|board,|a|vote|is|to be|taken.| |trustees| |member seconding|the same candidate| |be appointed.| |How is the charity|Para 1.25| |constituted?|

----- End of picture text -----

Additional Additional information information (optional) (optional) You may choose to include further statements where relevant about: You may choose to include further statements where reievant about:

----- Start of picture text -----
|||||||| |---|---|---|---|---|---|---| |Policies and procedures|Policies|and|procedures| |adopted for the induction|adopted|for the|induction|Para 1.51|Para|1.51| |and training of trustees|and|training|of trustees| |The charity's organisational|The|charity’s|organisational| |structure and any wider|structure|and|any wider|Para|1.51| |network with which the|network|with|which|the| |charity works| |Relationship|Relationship|with any|with|any|Para|1.54| |related parties|related|parties| |Para 1.51| |charity works| |Para|1.51|

----- End of picture text -----

----- Start of picture text -----
||| |---|---| |Other| |ea|en|

----- End of picture text -----

Reference Reference and Administrative and Administrative details details

The Cardiff u3a Other Other name the charity uses Cardiff u3a name the charity uses | Cardiff u3a Registered charity number Registered charity number 1033518 1033518 Charity's principal address Charity’s principal address City United Reformed Church City United Reformed Church Windsor Place Cardiff Cardiff CF10 3BZ nDGR Charity name CF10 3BZ The Cardi f u3a Windsor Place

Names of the charity trustees Names of the charity trustees who who manage the charity manage the charity

----- Start of picture text -----
Dates acted if not Name of person (or body) entitled
for whole year for whole year to to appoint trustee (if any) appoint trustee (if an
1 Chair
1|MarioGr en ig Mario Greening [Chair |
2 [Teresa Catherine ]
White White
3 sharers Catherine Jewsbury [ewer Treasurer
3 [Catherine Jewsbury [Treasurer | S| SS CSCSC~S
4 a Mary Margaret Richards
5
S[JancEvans |
6
6{RosemaryGrifths Rosemary Gri f ths | |
Susan Thomas
7[Susanthomas [| |
8 2/12/24
B[BridgetPaimer Bridget Palmer | stag|
9 Anthony Baines
g[AnthonyBaines [sf 8/2/24-319/25 |
10 Susan Wass
1o{Susanwass | sf vtziza~ 313725 |
11
Ss COO
12
A OO GO
13 mf
14 maf
pt 15
wef
17
wee
18 9
19
po
20
oto
2212124 - 3/3/25
Trustee name O f ce (if any)
Richards
Jane Evans
5/2/24 - 31/3/25
Secretary 2/12/24
1 6
----- End of picture text -----*

----- Start of picture text -----
Corporate trustees - names of the directors at the date the report was approved Corporate trustees — names of the directors at the date the report was approved
Oo
None
er
ee ee
es
DO
eC
Director name
----- End of picture text -----

----- Start of picture text -----
Name of trustees holding title to property belonging to the charity Name of trustees holding title to property belonging to the charity
Dates acted if not for whole year
[None None
Da Ge
Qe (OE
Pn ie ae
a
ND(en (
Trustee name
----- End of picture text -----

Funds held as custodian trustees on behalf of others
Description of the assets
N/A
Funds held as custodian trustees on behalf of others
Description ofthe assets
N/A		 Funds held as custodian trustees on behalf of others
Description of the assets
N/A
Funds held as custodian trustees on behalf of others
Description ofthe assets
N/A		 Funds held as custodian trustees on behalf of others
Description of the assets
N/A
Funds held as custodian trustees on behalf of others
Description ofthe assets
N/A
held in this capacity
held in this capacity
Name and objects of the
Name and objects ofthe		 N/A
N/A
charity on whose behalf the
charity on whose behalf the
assets are held and how this
assets are held and how this		 ;
falls within the custodian
falls within the custodian
charity's objects
charity’s objects		 a
Details of arangements for
safe custody and
Details ofarrangements for
safe custody and		 N/A
 N/A
segregation of such assets
segregation ofsuch assets
from the charity's own assets
from the charity's own assets		 from the charity's own assets

Additional Additional information information (optional) (optional)

Names and addresses Names and addresses o f advisers of advisers (Optional (Optional information) information) adviser adviser

Name o f chief executive Name of chief executive o r names o f senior or names of senior staff members staff members (Optional (Optional information) information) (Type of Address Name

Exemptions Exemptions from disclosure from disclosure

Reason for non-disclosure of key personnel details Reason for non-disclosure of: personnel details

Other optional information Other- information

Declarations Declarations

The trustees The trustees declare declare that that they they have have approved approved the trustees' the trustees’ report report above. above.

Signed on behalf of the charity's Signed on behalf of the charity’s trustees trustees

Signare MNL MARIO GREEN INS CATHERINE TeWSBURY Position (eg Secretary, Chair, etc) CHAR. OK. TREASURER TREASVRER Date Date — 3/11/25 ASUS 2 Full name(s) CE. Junduy Chair, etc)

Cardiff u3a Cardiff u3a

Statement Statement of Accounts: of Accounts: all accounts all accounts Printed 3rd September 2025 19:32 Printed 3rd September 2025 19:32

Receipts & Payments, 1st September 2024 - 31st August 2025 Receipts & Payments, ist September 2024 - 31st August 2025

24/25
24/25		 23/24
23/24
Income
income
Subs
Subs		 7,134.00
7,134.00		 9,173.00
9,173.00
Donations
Donations		 60.20
60.20		 53.00
53.00
Bank interest
Bank interest		 506.76
506.76		 276.00
276.00
Group income
Group income		 15,774.10
15,774.10		 13,914.10
13,914.10
Gift Aid
GiftAid		 2,300.32
2,300.32		 1,192.46
1,192.46
Social (Christmas lunch)
Social(Christmas lunch)		 3,058.50
3,058.50		 2,356.00
2,356.00
28,833.88
28,833.88		 26,964.56
26,964.56
Expenditure
Expenditure
CLA licence
CLA licence		 67.21
67.21		 67.21
67.21
TAT: mem fees
TAT:memfees
.		 3,692.00
3,692.00		 3,132.00
3,132.00
TATTL Beacon
TATTLBeacon		 922.00
922.00		 773.00
773.00
TATTL Magazines
TATTLMagazines		 1,426.88
1,426.88		 1,494.16
1,494.16
Groups
Groups		 15,889.06
15,889.06		 13,256.87
13,256.87
Printing &photocpying
Printing&photocpying		 737.69
737.69		 308.59
308.59
Committee meetings & exp
Committee meetings&exp		 418.39
418.39		 378.33
378.33
Ind Examination
ind Examination		 570.00
570.00		 0.00
0.00
Publicity
Publicity		 357.23
357.23		 0.00
0.00
Postage
Postage		 11.75
11.75		 0.00
0.00
Website & emails
Website&emails		 349.18
349,18		 319.20
319.20
Miscellaneous
Miscellaneous		 126.47
126.47		 452.69
452.69
Social (Christmas lunch)
Social (Christmas lunch)		 2,335.20
2,335.20		 2,422.75
2,422.75
Zoom
Zoom		 0.00
0.00		 31.18
31.18
Convenors meeting & lunch
Convenorsmeeting& lunch		 219.89
219.89		 591.00
591.00
Meetings and study days
Meetingsandstudydays		 207.72
207.72		 37.50
37.50
PayPal commission
PayPalcommission		 240.36
240.36		 244.44
244,44
New members coffee morning
Newmembers coffeemorning		 66.00
66.00		 44.85
44.85
Open meeting expenses
Open meetingexpenses		 673.60
673.60		 1,085.34
1,085.34
28,310.63
28,310.63		 24,639.11
24,639.11
Surplus
Surplus		 523.25
523.25		 2,325.45
2,325.45
Bal
b/twd
Bal b/fwd		 24,259.10
24,259.10		 21,933.65
21,933.65

T o t a l Total 24,782.35 24,259.10 Balance Sheet Cash Cash 387.25 £330.05 Current 7,397.13 £ 8,045.13 £8,045.13 Deposit 14,213.59 £ 14,000.00 PayPal PayPal 2,784.38 £ 1,883.92 T o t a l Total 24,782.35 £ 24,259.10 7,397.13 24,782.35 2,784.38 £ 24,259.10 £ 330.05 24,782.35 Deposit £ 14,000.00 Current 14,213.59 € 1,883.92 Balance Sheet 24,259.10 387.25

Bank reconciliation Bank reconciliation

Bal at bank 31/8/25 Bal at bank 31/8/25 7381.13 7381.13

Membership Membership money not yet paid i n money not yet paid in 16.00

Total Total 7397.13

Bal a s above Bal as above 7,397.13 Difference Difference 0.00 0.00 7,397.13 7397.13 16.00

----- Start of picture text -----
Mn Thail.
C.E.Jundrry 3111/25
----- End of picture text -----

Kk P CHARITY COMMISSION Independent examiner's FOR ENGLAND AND WALES report on the accounts

Section A Independent Examiner’s Report

Report to the trustees/ members of | [HE CARDIFF U3A On accounts for the year | 31S' AUGUST 2025 ended Set out on pages | 1

Charity no | 1033518 (if any)

| report to the trustees on my examination of the accounts of the above charity (“the Trust”) for the year ended 31/08/2025.

| 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, | have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. Independent | have completed my examination. | confirm that no material matters have examiner's statement come to my attention (etherthanthat disclesed_below *) in connection with the examination which gives me cause to believe that in, any material respect: e accounting records were not kept in accordance with section 130 of the Act or

| 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.

Signed: Name: | MR. MAHIN KHAWAJA

----- Start of picture text -----
Date: | |%]i;/202$
----- End of picture text -----

Relevant professional |FCCA, CAT qualification(s) or body

(if any):

Address: | 18 GOLD TOPS NEWPORT

NP20 5WJ

IER

1

October 2018

Section B

Disclosure

rn oe

.

Only complete if the examiner needs to highlight 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

2

October 2018