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St Albans Learn, laugh, live
St Albans U3A
Charity Commission No 1035678 Annual Report and Financial Statements Year Ending 31st July 2025
St Albans U3A Charity Commission No 1035678 . Trustees Annual Report for the year ended 31 July 2025 2 Objectives and Public Benefit a St Albans U3A was formed in 1987 and is a self-financing self-help charity affiliated to the national body — the = Third Age Trust — run by and for our members. Our objectives are to advance education and to provide facilities = for leisure-time and recreational activities for, in particular, people in their Third Age residing in the St Albans a area. Membership is open to all people who are no longer in full time employment, irrespective of race, religion or = politics. We run a wide range of activities, including theatre visits, learning languages, walking, arts and crafts, = and many kinds of sporting = activities. The trustees have had regard to the guidance issued by the Charity Commission on public benefit. ie Advancements and achievements = St Albans U3A has over 1,400 members who have enriched their education through access to fortnightly talks, to = a wide range of intellectual, physical and social activities organised through over 120 groups, and to interesting = visits organised as trips. 2 Financial review = During the year we achieved our objective of being self-financing and as at 31st July 2025, we held total = reserves of£35,380.24 of which £29,966.53 was Unrestricted. The Executive Committee is confident that the = current level of unrestricted funding is sufficient to provide adequate financial stability and the means to meet our objectives for the foreseeable future. The remaining funds of £5413.71 were held in our Trips and Groups —— Accounts as Restricted Funds. We have been aided by many voluntary helpers acting as officers, committee = members, group administrators, trips organisers, meetings facilitators and in other capacities. = Structure, Governance and Management 2 St Albans U3A is an unincorporated members association and a member of the Third Age Trust and is governed = by a Constitution adopted by members on 3rd Nov 2021. Management is vested in the Executive Committee, == members of which are trustees of the charity. The Committee is composed of Officers (a Chairman, up to two == vice-Chairmen, a Treasurer and a Secretary) and between 6 and 12 committee members. All officers and — committee members retire at every Annual General Meeting and are eligible for re-election subject to a maximum oo of three terms, except that the Treasurer is subject to a maximum of six terms. No member may serve for more == than nine terms in aggregate.
Names of the charity trustees during the year ended 31st July 2025 and dates in place, if not for the whole year, were as follows:
Chairman: Linda Anne Watts (retired Nov 2024) Simon Browne (appointed Nov 2024)
| Treasurer: Paul England (retired Dec 2023) Continued as Book-keeper April — July 2024 Marion Storm (Appointed Jan 2024, resigned April 2024) Norman Hart (Acting Treasurer - appointed April 2024, retired Nov 2024) Russell Hogg (appointed Nov 2024)
Secretary: Graham Hopkins
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Committee Members:
Joyce Carey Gillian Dear Paul England
Judith O’Byrne Jacqueline Sayers Jackie Seaton
Roger Street Pat Von Tromp Linda Watts
ee A. es Oe sostaetincsdeectuseage sven.c ce CATA
Dated 7th October 2025
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St Albans U3A Annual Report and Financial Statement, 31st July 2025
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St Albans U3A Statement of Financial Activities for the year ended 31st July 2025
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|Eee|ee|ee|eeeee|
|d|d|Fund|Funds|
|Income|
|Membership|Subscriptions|for|current year|£10,471.25|£10,471.25|£9,847.00|£9,847.00|
|Membership|Subscriptions from|prior year|£9,702.51|£9,702.51|£9,211.25|£9,211.25|
|Trip|income,|current year trips|£50,042.67}|£50,042.67|£56,157.01|£56,157.01|
|Group|Activity|Receipts|£27,567.67||£27,567.67|£19,823.98|£19,823.98|
|Sale|of goods|(u3a|Diaries)|-|-|£23.60|£23.60|
|Fixed Term|Deposit|Interest|£1,251.96|£1,251.96|£660.00|£660.00|
|Donations|£108.00|£108.00|£66.00|£66.00|
|Totals|£21,533.72||£77,610.34}|£99,144.06|£19,807.85||£75,980.99|£95,788.84|
|Expenditure|
|Membership Expenses|
|Third|Age|Trust Costs|
|TAT Subscription|& Magazine|£6,698.96|£6,698.96|£6,736.00|£6,736.00|
|TAT Conference|-|-|£646.60|£646.60|
|General|Meetings|
|Speakers|fees, expenses|£1,826.08|£1,826.08|£1,772.77|£1,772.77|
|Hall|Rent for|General|Meetings|£2,282.00|£2,282.00|£3,600.00|£3,600.00|
|Membership;|refreshments|£262.38|£262.38|£263.68|£263.68|
|Member|Planning|Meeting|£2,700.00|£2,700.00|-|-|
|Equipment purchase &|hire|-|-|£11.04|£11.04|
|Communication|
|Newsletter|£3,177.00|£3,177.00|£3,263.20|£3,263.20|
|Printing,|Postage,|Stationery|£524.45|£524.45|£940.50|£940.50|
|Website|£999.96|£999.96|£999.96|£999.96|
|Licences|£154.36|£154.36|£328.33|£328.33|
|Other Membership|Expenses|
|Go|Cardless|Fees|(Direct|Debits)|£125.78|£125.78|£112.44|£112.44|
|Equipment storage|£1,670.40|£1,670.40|£498.40|£498.40|
|Purchase|of goods|(u3a|Diaries)|-|-|£43.99|£43.99|
|Administration|Expenses|
|Executive|Committee|Hall|Hire|£240.00|£240.00|
|Equipment Purchase|£359.99|£359.99|
|Committee|Gifts|on|retirement|£275.00|£275.00|
|Misc/ Rounding|=|=|£44.19|£44.19|
|Restricted|Expenditure|:|Trips|£50,614.49]|£50,614.49|£55,812.46|£55,812.46|
|Restricted|Expenditure|:|Groups|£27,567.67||£27,567.67|£19,823.98|£19,823.98|
|Totals|£21,296.36||£78,182.16||£99,478.52|£19,261.10}|£75,636.44|£94,897.54|
|Net|surplus (loss) for|Year by Fund|£237.36]|(£571.82) ||e334.)|£546.75||estas|£891.30|
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St Albans U3A Annual Report and Financial Statement, 31st July 2025
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St Albans U3A
Balance Sheet as at 31st July 2025 Rae|| |eeeee
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|Rae||||eeeee|
|Cash|at bank and|in|hand|
|Lloyds|Bank|-|General|account|£17,823.02|£17,823.02|£16,928.08|£16,928.08|
|Lloyds|Bank|-|Trips|account|£9,333.84|£9,333.84|£10,542.78|£10,542.78|
|Lloyds|Bank Group|account (Groups|Assets)|£6,250.06|£6,250.06|£3,184.17|£3,184.17|
|Cambridge|&|Counties|1|year Bond|£11,195.92|£11,195.92|£10,660.00|£10,660.00|
|Cambridge|&|Counties 6|month|Bond|£10,716.04|£10,716.04|£10,000.00|£10,000.00|
|Cash|in|hand|(Treasurer)|£53.60|£53.60|£53.60|£53.60|
|Cash|in|hand|( Groups)|(£1.11)|(£1.11)|£147.39|£147.39|
|£39,788.58||£15,582.79||£55,371.37|£37,641.68||£13,874.34||£51,516.02|
|Supplier payments|for future|trips|£5,848.75|£5,848.75|£6,984.50|£6,984.50|
|Amounts|due|from|Group|members|£61.80|£61.80|£41.22|£41.22|
|Advance|payment for|planning|meeting|-|-|£2,000.00|£2,000.00)|
|Advance|payment for|Equipment storage|£139.20|£139.20|
|Miscelaneous|receivables|£95.87|£95.87|
|£139.20||£6,006.42}|£6,145.62|£2,000.00|£7,025.72|£9,025.72|
|Subscriptions|in|advance|for 2025-26|£9,961.25|£9,961.25|£9,702.51|£9,702.51|
|Trips advance|receipts/payments|£10,561.20}|£10,561.20|£11,959.26|£11,959.26|
|Trips Accruals|Carried|Forward|-|-|-|£210.00|£278.91|£488.91|
|Groups|advance|receipts/payments|£5,553.64|£5,553.64|£2,529.00|£2,529.00|
|Groups|Cash|advance|receipts|£60.69|£32.85|£147.39|£147.39|
|£9,961.25||£16,175.53||£26,136.78|£9,912.51||£14,914.56]|_|£24,827.07|
|Balances|brought|forward|£29,729.17||£5,985.50]|£35,714.67|£29,181.20|£5,752.00|£34,933.20|
|Surplus (Loss) for|the year|£237.36]|(£571.82)|(£334.46)|£546.75|£344.55|£891.30|
|Prior Year Adjustment|-|-|-|£122:|(£111.05)|(£109.83)|
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Notes to the financial statements for the year ended 31st July 2025
1 Basis of preparation These accounts have been prepared under the historical cost convention on an accrual basis, with items recognised at cost or transaction value. These accounts have been prepared in accordance with the Statement of Recommended Practice: Accounting and Reporting by Charities, the Financial Reporting Standard applicable in the UK (FRS 102) and with the Charities Act 2011. The format of the Accounts is designed to closely match the presentation requirements of FAS 102 and the Act 2 Accounting policies Income: Income is recognised when the charity becomes entitled to the resources. As resources are more likely than not received by the Trustees, the monetary value can be measured with sufficient reliability. Volunteer help: The value of any voluntary help is not included in the accounts but is acknowledged in the trustees Annual Report. Income from membership subscription Subscriptions are recognised in the accounting period to which they relate. Membership subscriptions received in the nature of a gift are recognised in Donations. Liabilities: Liabilities are recognised when it is more likely than not that there is a legal or constructive obligation committing the charity to pay out resources and the amount can be measured with reasonable certainty. Deferred income: Deferred income is carried forward to the period to which it relates. Creditors: The charity has creditors which are measured at settlement amounts. Tangible fixed assets : Fixed assets are not capitalised unless costing in excess of £1,000. Administration costs: Administration costs are shown separately but in any event are not significant at less than 5% of total expenditure. Fundraising Costs: No fundraising activity has taken place during the period. Trips Accounting Policy: Any surplus or deficit on a trip is recognised in the accounting period when the trip takes place. Groups Accounting Policy: Groups are set up to be self-funding, and we do not anticipate any surplus or deficit on their activities.
St Albans U3A Annual Report and Financial Statement, 31st July 2025
Page 4 of7
St Albans U3A
Trips Accounts for the year ended 31st July 2025
| Cheque’ | _—‘Receipt | . | = | |||||
|---|---|---|---|---|---|---|---|---|
| aftery/end | d last year | notes | notes | |||||
| Miscellaneous | £180.00 | £572.68 | (392.68) | |||||
| Riviera 1 Fiddler on the roof7/8 Liverpool 10/24 WhiteXmas 29/12 Thursford 22/114 MotownXmas 12/12 |
£584.70 (£150.00) £340.00 (£150.00) £60.00 |
£151.00 £1,196.20 £2,285.50 £150.00 £2,081.40 |
£278.91 £684.00 £1,027.49 £2,291.00 £2,178.00 |
£278.91 | £252.00 | 0.00 51.70 18.71 93.50 0.00 (36.60) |
||
| Weymouth 2/25 | (£150.00) | (150.00) | ||||||
| Chorus Line22/8 | £2,520.00 | £270.00 | £2,823.00 | (33.00) | ||||
| Rutter 5/12 | £1,650.06 | £989.26) | £2,637.23 | 2.09 | ||||
| FacetheMusic 5/11 | £1,430.00 | £880.00 | £2,288.00 | 22.00 | ||||
| St Pancras 10/24 | £620.00 | £620.00 | 0.00 | |||||
| Ham House 23/10 | £991.25 | £887.50 | 103.75 | |||||
| Painshill 17/10 | £1,153.00 | £1,171.00 | (18.00) | |||||
| Nutcracker 27/4 | £480.00 | £961.00 | £537.00 | 56.00 | ||||
| Winchester 9/12 Brixton 12/2 |
£840.00 £2,559.49 |
£895.00 £2,499.69 |
£14.90 | (55.00) 74.70 |
||||
| Death at Pemberley 21/6 | £4,451.11 | £4,199.30 | £81.00] -£252.00 | 80.81 | ||||
| ImperialWar Museum 30/1 | £800.00 | £650.00 | 150.00 | |||||
| Riviera 2 | £4 022.29 | £4,022.29 | 0.00 | |||||
| Unicorn 27/3 | £2,743.50 | £2,810.00 | (66.50) | |||||
| Motown 2/4 | £1,800.00 | £1,909.00 | (109.00) | |||||
| Grimsdyke 18/5 Wimpole29/4 |
£2,300.00 £1,018.00 |
£2,414.00 £867.00 |
(114.00) 151.00 |
|||||
| Hampton Ct 8/5 | £2,103.00 | £2,059.30 | 43.70 | |||||
| Audley End 6/6 | £1,494.50 | £1,506.60 | (12.10) | |||||
| Ightham 18/6 | £770.10 | £820.00 | (49.90) | |||||
| Maiden 8/7 | £646.00 | £730.00 | 84.00 | |||||
| PriorYearreceipts/Payments | Totalsfor2024-25 Trips |
__£0.00 AdjustedTotals |
_ | _(£4,974.76 £11,959.26 |
_£49,415.86 | _— |
_£50,042.67 | |
| Brigadoon 21/8 | £2,003.80 | £1,729.50 | 274.30 | |||||
| Kew 18/12 | £1,652.40 | £141.25 | 1,511.15 | |||||
| Xmas 11/12 | £360.00 | £440.00 | (80.00) | |||||
| Sorry Minister 29/2/26 |
£1,551.00 | £1,600.00 | 49.00 | |||||
| Broadway 5/10 | £1,196.00 | £1,147.20 | £48.80 | |||||
| Sleeping Beauty 27/6/26 | £1,248.00 | £1,248.00 | ||||||
| My Fair Lady 15/1/26 | £1,029.00 | £1,029.00 | ||||||
| Waddesdon 8/10 | £10.00 | £10.00 | ||||||
| St Pauls 5/11 | £1,511.00 | £1,511.00 | ||||||
| Torquay 20/8 | £150.00 | (£150.00) | ||||||
| Old Bailey 1/11 | £490.80 | (£490.80) | ||||||
| Eastbourne 27/2/26 | £150.00 | £150.00 | ||||||
| ie) | ee | er | a | es | ars | eS |
| Less bf | (£4,974.76) |
|---|---|
| less receipt rec last year | (£278.91) |
| less net deficit | (£571.82) |
| less cheque banked after ye | (£14.90) |
| add bal cf | £4,712.45 |
| lesscreditnotecf | £81.00 |
St Albans U3A Annual Report and Financial Statement, 31st July 2025
Page 5 of 7
St Albans U3A
Groups Accounts for the year ended 31st July 2025
|
|Annual Totals|Annual Totals|Balance
from 2023-
24||Cumulative | Cumulative
Group
Group
Income | Expenditure|BanRceon
piece|
|---|---|---|---|---|---|
|Architecture||£0.00||£418.00
£417.92|£0.08|
|Badminton 1||£1,010.14||£5,776.00
£4,040.00 ||£2,746.14|
|Badminton 2||£246.05||£1,482.00
£1,225.00|£503.05|
|Badminton 3||£124.71||£1,388.50
£1,147.00|£366.21|
|Bridge for All||£69.29||£1,891.50
£1,350.00|£610.79|
|Cribbage 1||£120.45||-
-|£120.45|
|Cycling||£3.83||-
-|£3.83|
|Drawing & painting||£121.30||£809.00
£812.00|£118.30|
|Garden Visits 2||£0.60||£415.75
£402.50|£13.85|
|Italian||£2.00||-
-|£2.00|
|Jazz in 3rdAge||£496.34||£1,207.00
£1,415.25|£288.09|
|Philosophy||£154.55||£754.90
£781.35|£128.10|
|Singing Group.||£39.57||£649.00
£667.00|Pleats|
|TableTennis 1||£19.74||£499.51
£513.00|£6.25|
|Table Tennis 2.||£14.40||£549.50
£513.00|£50.90|
|Table Tennis 4.||(£40.87)||£952.00
£808.50|£102.63|
|Ukulele 1.
Total =
a
oeshe|(£0.35)}
£1,266.00
£1,002.25
CS 82,487.75| 218,869.16 | 215,803.27|
Me [iota
ECRNSTn A
ne||||£263.40
£5,553.64 ||
|Ea
ae
REA
one
Totalgroupsincredit ——|_£2,555.74
a ee ea|||REEEge ee
| £28,570.06 | £25,511.47 |
ee ee||£5,614.33 |
ey|
|||£37.80|||£1,470.00|
£1,555.60|(£47.80)|
|Spanish 1
£41.60
£445.00
£500.60
(£14.00)
TotalGroupsindeficit—|__—£79.40
| £1,915.00| £2,056.20| (£61.80)
RRR
RTS(RE TE NTT ECO
>RERD
OverallTotalsforGroups —|£2,635.14| £30,485.06 | £27,567.67 | £5,552.53|
ee
eeSe ee||||||
|Opening Balances||||||
|Lloyds Groups Account||£3,184.17||||
|Groups Cash in Hand||£147.39||£3,331.56||
|Add Receipts||||£30,485.06||
|Less Payments||||-£27,567.67||
|||||£6,248.95||
|Closing Balances||||||
|Lloyds Groups Account||£6,250.06||||
|Groups Cash in Hand||-£1.11||£6,248.95||
|||eee
ae
ae||||
St Albans U3A Annual Report and Financial Statement, 31st July 2025
Page 6 of7
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eee
Oi ‘i 5 i uo Independent examiner's report on the accounts
whees.A
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SECTIONA INDEPENDENT EXAMINER’S REPORT
Report to the trustees/ | St Albans U3A members of On accounts for the year | 31 July 2025 ended
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Charity no | 1035678
(if any)
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Respective responsibilities The charity's trustees are responsible for the preparation of the accounts. The of trustees and examiner charity's trustees consider that an audit is not required for this year under section 144 of the Charities Act 2011 (the Charities Act) and that an independent examination is needed.
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It is my responsibility to:
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e examine the accounts under section 145 of the Charities Act, e to follow the procedures laid down in the general Directions given by the Charity Commission (under section 145(5)(b) of the Charities Act, and
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e to state whether particular matters have come to my attention.
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Basis of independent My examination was carried out in accordance with general Directions given by the examiner’s statement Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters set out in the statement below.
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ties
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Independent In connection with my examination, no matter has come to my attention statement examiner's whichrequirements: gives me reasonable cause to believe that in, any material respect, the e to keep accounting records in accordance with section 130 of the Charities Act; and
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e to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act have not been met.
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e Ihave 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.
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Secs aid gh Ga
Name: | David Wall
Relevant professional |ACA
qualification(s) or body (if
any):
Address: | 3, Park Avenue, St Albans, AL1 4PB
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Date: | 724 Odinbesr 2025
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St Albans U3A Annual Report and Financial Statement, 31st July 2025