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2021-03-31-accounts

Charity Registration No. 1039578

THE J & H ORLANDER TRUST

ANNUAL REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 MARCH 2021

THE J & H ORLANDER TRUST

LEGAL AND ADMINISTRATIVE INFORMATION

Trustees R M Jackman M Jackman M H Lewis Charity number 1039578 Principal address No. 1 London Bridge London SE1 9BG Auditor Arram Berlyn Gardner LLP 30 City Road London EC1Y 2AB

THE J & H ORLANDER TRUST

CONTENTS

Page
Trustees' report 1 - 2
Statement of trustees' responsibilities 3
Independent auditor's report 4 - 6
Statement of financial activities 7
Statement of financial position 8
Notes to the financial statements 9 - 17

THE J & H ORLANDER TRUST

TRUSTEES' REPORT

FOR THE YEAR ENDED 31 MARCH 2021

The Trustees present their report and financial statements for the year ended 31 March 2021.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the Charities Act 2011 and "Accounting and Reporting for Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)".

Objectives and activities

The Trust's objects and its principal aims are to promote the advancement and furtherance of general charitable purposes, and to support such other charitable institutions as the trustees determine, for the benefit of the public.

The trustees confirm that they have given careful consideration to the Charity Commission's guidance on public benefit when reviewing the Trust's aims and objectives and in planning future activities and setting the grant making policy for the year.

The Trustees have paid due regard to guidance issued by the Charity Commission in deciding what activities the Trust should undertake.

Achievements and performance

The performance of the charity in respect of grants made is monitored by reference to feedback from the institutions concerned.

Financial review

The Trust's income mainly comprises rental income from investment properties.

The Trustees approved grants of £83,823 (2020: £50,320).

The Trustees are satisfied with the level of net incoming resources during the year, as this was in line with their expectations.

Reserves policy

In line with the recommendations of the Charity Commission, the Trustees have formally adopted a Reserves policy. This recognises that the income of Trust does not arise evenly year on year and so to enable Trust to plan its activities it is prudent to hold reserves. The charity has considered the reserves required and have taken into account their current and future liabilities.

It is the policy of the Trust that unrestricted reserves should be held at a level which equates to approximately a year of unrestricted charitable expenditure. The trustees consider that this level will provide sufficient funds to respond to applications for grants and ensure that support and governance costs are covered. Unrestricted reserves as at the balance sheet date amount to £361,416. The current level of reserves is therefore higher than is needed and the trustees believe that free reserves of £361,416 are sufficient to ensure the continuance of the Trust for the foreseeable future.

The expendable endowment fund was created on 27 June 1997, from a donation received from the Rowan Trust. The trustees consider the reserve requirements of the expendable endowment fund separately, and aim to maintain this fund in accordance with the charitable objects at the discretion of the Trustees.

Risk management

The major risks to which the Trust is exposed, as identified by the trust deed, are and will continue to be regularly reviewed, and systems have been and will be established, and where appropriate, professional advisors have been or will be appointed to mitigate those risks.

The Trust will continue with its current investment and expenditure plan into the next year.

THE J & H ORLANDER TRUST TRUSTEES. REPORT ICONTINUED) FOR THE YEAR ENDED 31 MARCH 2021 Struciurni govfjmanc• and man•gorn•nt Th8 Twst 8stabU8hod by a thath8ble Iru8t deed on 13 October 1993. The Twstees v+tK& 8eNed duriwvJ the year were.. R M J8ckm8n M Jackman Tru$te8S 8r8 nomlnated and 819Cted at nwatlng8 ofthe Trustotss. The charity is bas￿ in Lcythn. Tha Truste86 ara r&Sp￿lIb￿ fcf the dAy to day running of th8 chaiity and th• appointmant tsf Staff. The board of trusteas ar8 consldgred to b8 kgy management Personnel of the charity, h) cJ)arge of diredtro and trjntrolling the charity and running and operating th• thArity on a day to day basls. All tnJSt￿g give 01 theirtim8 freely and no tru8t8e Temunar8tK)n was pald in th8 ygar. The Trust (k)88 not have any 8mpkJye8S otherthan the Trustees. Th• TnK8t has the pow8rto mak8 any invtstment thatthè Tn￿te8$ $88 Ilt The trustees, report wa8 8pproved by th8 Board ofTrust8es. L'M J.,& n4 (on R M Jackman Trustee Dated.. .%..... ........

THE J & H ORLANDER TRUST

STATEMENT OF TRUSTEES' RESPONSIBILITIES

FOR THE YEAR ENDED 31 MARCH 2021

Law applicable to charities in England and Wales requires the Trustees to prepare accounts for each financial year which give a true and fair view of the inancial activities during the year and of its financial position at the end of the year.

In preparing accounts giving a true and fair view, the Trustees should follow best practice and:

The Trustees are responsible for keeping accounting records that disclose with reasonable accuracy the financial position of the Trust and which enable them to ascertain the financial position of the charity and which enable them to ensure that the accounts comply with the Charities Act 2011 and the Charity (Accounts and Reports) Regulations 2008. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

THE J & H ORLANDER TRUST

INDEPENDENT AUDITOR'S REPORT

TO THE TRUSTEES OF THE J & H ORLANDER TRUST

Opinion

We have audited the financial statements of The J & H Orlander Trust (the ‘Trust’) for the year ended 31 March 2021 which comprise the statement of financial activities, the statement of financial position and the notes to the financial statements, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the Trust in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Trust’s ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the Trustees with respect to going concern are described in the relevant sections of this report.

Other information

The other information comprises the information included in the annual report other than the financial statements and our auditor's report thereon. The Trustees are responsible for the other information contained within the annual report. Our opinion on the financial statements does not cover the other information and we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

THE J & H ORLANDER TRUST

INDEPENDENT AUDITOR'S REPORT (CONTINUED) TO THE TRUSTEES OF THE J & H ORLANDER TRUST

Matters on which we are required to report by exception

We have nothing to report in respect of the following matters in relation to which the Charities (Accounts and Reports) Regulations 2008 require us to report to you if, in our opinion:

Responsibilities of Trustees

As explained more fully in the statement of trustees' responsibilities, the Trustees are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the Trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, the Trustees are responsible for assessing the Trust’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the Trustees either intend to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud, is detailed below.

The extent to which the audit was considered capable of detecting irregularities including fraud

Our approach to identifying and assessing the risks of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, was as follows:

THE J & H ORLANDER TRUST INDEPENDENT AUDITOR'S REPORT (CONTINUED) TO THE TRUSTEES OF THE J & H ORLANDER TRUST We assessed the susceptibility of the charity's financial statements to material misststement, including obtaining an understanding of how fraud might occur, by.. understanding the business model as part of the control and business environment making enquiries of management as lo where they considered there was susceptibility lo fraud, their knowledge of actual, suspected and alleged fraud," and considering the internal controls in place lo miligale risks of fraud and non-compliance with laws and regulations To address the risk of fraud through management bias and override of controls, we.. performed analytical procedures lo identify any unusual or unexpected relationships., tested journal enlries to identify unusual transactions., and investigated the rationale behind significant or unusual transactions. Through these procedures, we did not identify any material actual of suspected incidents of fraud. In response to the risk of irregularities and non-compliance with laws and regulations, we designed procedures which included, but were not limited lo.. agreeing financial statement disclosures lo underlying supporting documentation., enquiring of management as lo actual and potential litigation and Claims., and reviewing documentation and enquiring of management of any actual or potential non-compliance with laws and regulations. There are inherent limitations in our audit prO￿d￿re$ described above. The more removed that laws and regulations are from financial transactions, the less likely il is that we would become aware of non-compliance. Auditing standards also limit the audit procedures required to identify non-complian￿ with laws and regulations lo enquiry of the trustees and the inspection of regulatory and legal cor￿spOndence, if any. Material misslalements that arise due lo fraud can be harder to detect than those that arise from error as they may involve deliberate concealment or collusion. A further description of our responsibilities is available on the Financial Reporting Council's website at.. https'.11 www.frc.org.uklaudilorsresponsibililies. This description forms part of our auditor's report. Use of our report This report is made solely lo the charity's trustees, as a body, in accordance with part 4 of the Charities (Accounts and Reports) Regulations 2008. Our audit work has been undertaken so that we might slate lo the charity's trustees those matters we are required lo state lo them in an auditors, report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility lo anyone other than the charity and the charity's trustees as a body, for our audit work, for this report, or for the opinions we have formed. 28/01122 Arram 8erlyn Gardner LLP Chartered Accountants statutory Auditor 30 City Road London EC1Y2AB Arram Bedyn Gardner LLP is eligible for appointment as auditor of the Trust by virtue of ils eligibility for appointment as auditor of a company under of section 1212 of the Companies Act 2006

THE J & H ORLANDER TRUST

STATEMENT OF FINANCIAL ACTIVITIES

FOR THE YEAR ENDED 31 MARCH 2021

Unrestricted Endowment
funds
funds
Notes
£
£
Income from:
Investments
3
53,200
69,470
Other income
4
2
-
Total income and endowments
53,202
69,470
Expenditure on:
Raising funds
5
34,056
850
Charitable activities
8
83,823
-
Total resources expended
117,879
850
Net gains on investments
12
(40,476)
226,750
Net (outgoing)/incoming resources before
transfers
(105,153)
295,370
Gross transfers between funds
69,470
(69,470)
Net movement in funds
(35,683)
225,900
Fund balances at 1 April 2020
397,099
609,842
Fund balances at 31 March 2021
361,416
835,742
Total
2021
£
122,670
2
122,672
34,906
83,823
118,729
186,274
190,217
-
190,217
1,006,941
1,197,158
Total
2020
£
118,400
14
118,414
43,764
50,320
94,084
-
24,330
-
24,330
982,611
1,006,941

The statement of financial activities includes all gains and losses recognised in the year.

THE J & H ORLANDER TRUST STATEMENT OF RNANCIAL POSITION ASAT 31 MARCH 2021 20 2020 Flxed a55•ts Investment properties Current a$￿ts DebtcKB Cash ot bank aNI in hand 13 1,824.0(YJ 1,637,726 14 7,779 112,348 2,244 126.547 120,127 128,791 Crodltors: arnounts falllng du? wlthln on• 15 140.8701 (759.5761 Net current assotslOlèbilitie81 79.257 1830,7851 Total •55gt• I￿$ ¢urr•nt Il•blllllo$ 1.9)3.257 1.006.941 CY•dltor#: arnounts f•lllng after mor• than one year 17C6.0991 N•t ass•ts 1,197.158 I,C¥J6.941 Endowment fiJnds- Èxpend3ble 17 Iln¢ludlng rev8luatK)n reserve of £332,BTT12020.' £106,12711 835.742 19.842 Incom funds Unrestsirled lunds 17 1,416 397,099 1,197,158 1,[￿,941 The accounts worg approved by thè Trustees on....... ........ ..... R M Jackman Trustee

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2021

1 Accounting policies

Charity information

The J & H Orlander Trust is an unincorporated charity. The principal office address is No.1 London Bridge, London, SE1 9BG.

Charity number 1039578.

1.1 Accounting convention

The financial statements have been prepared in accordance with the Charities Act 2011 and "Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)". The Trust is a Public Benefit Entity as defined by FRS 102.

The Trust has taken advantage of the provisions in the SORP for charities applying FRS 102 Update Bulletin 1 not to prepare a Statement of Cash Flows.

The financial statements are prepared in sterling, which is the functional currency of the Trust. Monetary amounts in these financial statements are rounded to the nearest £.

The accounts have been prepared under the historical cost convention, modified to include investment properties at fair value. The principal accounting policies adopted are set out below.

1.2 Going concern

At the time of approving the financial statements, the Trustees have a reasonable expectation that the Trust has adequate resources to continue in operational existence for the foreseeable future. Thus the Trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.3 Charitable funds

Unrestricted funds are available for use at the discretion of the Trustees in furtherance of their charitable objectives.

The Unrestricted general fund can be used in accordance with the charitable objects at the discretion of the trustees.

Expendable endowment funds are held by the Trust as a capital fund. The Trustees have discretion to convert the endowed capital into income.

1.4 Income

Income is recognised when the Trust is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2021

1 Accounting policies

(Continued)

1.5 Expenditure

Resources expended are accounted for on an accruals basis. The majority of costs are directly attributable to specific activities, and managing and administrative costs are allocated against the unrestricted fund.

1.6 Investment properties

Investment property, which is property held to earn rentals and/or for capital appreciation, is initially measured at cost and subsequently measured using the fair value model and stated at its fair value at the reporting end date. The surplus or deficit on revaluation is recognised in net income/(expenditure) for the year.

1.7 Cash and cash equivalents

Cash and cash equivalents include cash in hand.

1.8 Financial instruments

The Trust has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the Trust's balance sheet when the Trust becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

Derecognition of financial assets

Financial assets are derecognised only when the contractual rights to the cash flows from the asset expire or are settled, or when the Trust transfers the financial asset and substantially all the risks and rewards of ownership to another entity, or if some significant risks and rewards of ownership are retained but control of the asset has transferred to another party that is able to sell the asset in its entirety to an unrelated third party.

Basic financial liabilities

Basic financial liabilities, including creditors are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. If not, they are presented as non-current liabilities. Trade creditors are recognised initially at transaction price and subsequently measured at amortised cost using the effective interest method.

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MARCH 2021

1 Accounting policies

(Continued)

Derecognition of financial liabilities

Financial liabilities are derecognised when the Trust’s contractual obligations expire or are discharged or cancelled.

2 Judgements and key sources of estimation uncertainty

In the application of the Trust’s accounting policies, the Trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

Critical judgements

The following judgements (apart from those involving estimates) have had the most significant effect on amounts recognised in the financial statements.

Valuation of properties

As described in note 13 to the Financial Statements, investment property is stated at fair value based on the valuation performed by a trustee in his capacity as a professional valuer with experience in location and category of property valued. The valuer used observable market prices adjusted as necessary for any difference in the future, location and condition of the specific asset.

3 Investments

Unrestricted Endowment
funds
funds
£
£
Rental income
53,200
69,470
For the year ended 31 March 2020
53,200
65,200
Total
2021
£
122,670
Total
2020
£
118,400
118,400

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MARCH 2021

4 Other income

Unrestricted
funds
2021
£
Other income
2
Raising funds
Unrestricted Endowment
Total
funds
funds
2021
£
£
£
Expenditure on raising funds
Bank interest
25,182
-
25,182
Direct costs
Note
6
2,191
-
2,191
Support costs
Note
6 & 7
5,833
-
5,833
Expenditure on raising funds
33,206
-
33,206
Investment management
850
850
1,700
34,056
850
34,906
Total
2020
£
14
Total
2020
£
29,839
2,681
11,244
43,764
-
43,764

5 Raising funds

Support costs include audit fees of £2,500 (2020: £2,500).

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MARCH 2021

6
Analysis of resources expended
Direct costs
Support costs
£
£
Finance costs
-
2,235
Information technology
-
242
Governance costs
-
5,056
Bank interest
25,182
-
Legal and professional costs
2,191
-
27,373
7,533
Direct costs
Support costs
£
£
Finance costs
-
3,258
Information technology
-
220
Governance costs
-
7,766
Bank interest
29,839
-
Legal and professional costs
2,681
-
32,520
11,244
2021
£
2,235
242
5,056
25,182
2,191
34,906
2020
£
3,258
220
7,766
29,839
2,681
43,764
7
Support costs
Finance costs
Information technology
Governance costs
2021
£
2,235
242
5,056
7,533
2020
£
3,258
220
7,766
11,244
8 Charitable activities
Grants to
Grants to
Total Total
individuals institutions 2021 2020
£ £ £ £
Grant funding of activities (see note 9) 3,575 80,248 83,823 50,320

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MARCH 2021

9 Grants payable

Grants to institutions:
United Jewish Israel Appeal
The Movement for Reform Judaism
Chai Cancer Care
World Jewish Relief Ukraine Appeal
Toast Love Coffee Charity
Green Sunday appeal
The Trussell Trust
Separated Children Foundation
Synagogue Youth
Jewish Community Secondary School
Other institutions
North West reform
JW3 Development
North London Hospice
Nina and Roger Stewart Charitable Trust
Grants to individuals
2021
£
2,000
19,000
1,094
9,000
-
-
5,510
1,000
-
33,000
2,644
5,000
1,000
1,000
-
80,248
3,575
83,823
2020
£
3,000
5,000
1,000
2,000
1,000
1,000
1,300
3,000
26,500
350
-
-
-
3,000
47,150
3,170
50,320

The Trustees review a number of referrals from various sources, taking account of the Charity's objects, and approve grants based on the circumstances relating to each referral.

The number of individuals who received grants during the year was 3 (2020: 2)

10 Trustees

None of the Trustees (or any persons connected with them) received any remuneration during the year.

11 Employees

The average monthly number of employees during the year was: Nil (2020: Nil).

12 Net gains/(losses) on investments

**Unrestricted ** Endowment Total Total
funds funds
general
2021 2021 2021 2020
£ £ £ £
Revaluation of investment properties (40,476) 226,750 186,274 -

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MARCH 2021

13
Investment property
Fair value
At 1 April 2020
Net gains through fair value adjustments
At 31 March 2021
2021
£
1,637,726
186,274
1,824,000

The valuation of the investment properties was carried out at 31 March 2021 on an open market basis by one of the trustees, Robert Jackman, in his capacity as a chartered surveyor. No depreciation is provided in respect of these properties.

If investment properties were stated on an historical cost basis rather than a fair value basis, the amounts would have been included as follows:

Cost
14
Debtors
Amounts falling due within one year:
Other debtors
Prepayments and accrued income
15
Creditors: amounts falling due within one year
Cost
14
Debtors
Amounts falling due within one year:
Other debtors
Prepayments and accrued income
15
Creditors: amounts falling due within one year
2021
£
1,531,599
2021
£
9
7,770
7,779
2020
£
1,531,599
2020
£
9
2,235
2,244
Bank loans and overdrafts
Trade creditors
Other taxation and social security
Other creditors
Accruals and deferred income
2021
£
-
1,866
9,504
-
29,500
40,870
2020
£
707,299
3,342
14,897
4,538
29,500
759,576
Creditors: amounts falling due within one year
2021 2020
£ £
Bank loans and overdrafts - 707,299
Trade creditors 1,866 3,342
Other taxation and social security 9,504 14,897
Other creditors - 4,538
Accruals and deferred income 29,500 29,500
40,870 759,576

The bank loan is secured by way of a legal charge over the investment properties.

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MARCH 2021

16 Creditors: amounts falling due after more than one year

2021 2020
£ £
Bank loans 706,099 -

The bank loan is secured by way of a legal charge over the investment properties. The amount is repayable in 2024 and attracts an annual interest rate of 3.5% over LIBOR.

17 Analysis of net assets between funds

Analysis of net assets between funds
Unrestricted
funds
Endowment
funds
2021
2021
£
£
Fund balances at 31 March 2021 are
represented by:
Investment properties
717,250
1,106,750
Current assets
120,127
-
Creditors
(475,961)
(271,008)
361,416
835,742
Total
2021
£
1,824,000
120,127
(746,969)
1,197,158
Total
2020
£
1,637,726
128,791
(759,576)
1,006,941

The Expendable endowment fund was created on 27 June 1997, from a donation received from the Rowan Trust. The expendable endowment fund can be used in accordance with the charitable objects at the discretion of the Trustees.

THE J & H ORLANDER TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MARCH 2021

18 Related party transactions

Transactions with related parties

During the year the Trust entered into the following transactions with related parties:

During the year a grant of £3,000 (2020: £3,000) was paid to Gilad Jackman, the nephew of R M H Jackman, a Trustee of the Trust. This was to assist with his ongoing welfare.

During the year the sum of £2,191 (2020: £3,556) was paid to Howard Kennedy LLP for legal and professional advice to the Trust. M Lewis is a consultant in that business and is a Trustee of the Trust.

During the year, management fees of £Nil (2020: £5.000) were paid to Jackman Silverman (R Jackman's sole trader business).

At the balance sheet date, the sum of £Nil (2020: £4,538 was due to) was due to R Jackman.

R Jackman has provided a personal guarantee in respect of the bank loan.