2024-12-31-accounts

Charlty nuffl￿r: 1046613 THE HOLT COMMUNITh CENTRE UNAUDITED TRUSTEES. REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024

THE HOLT COMMUNrrY CENTRE CONTENTS Page Reference and admlnlslrativa details of the Charlty, Its Trustees and advisers Tru8téas' rèport Independent examlnefs report SLitement of financlal actlvlties Balance sheet Notes to the flnanclal ststements 8-17

THE HOLT COMMUNrrY CENTRE REFERENCE AND ADMINISTRATIVE DEfAILS OF THE CHARITY. rrs TRUSTEES AND ADVISERS FOR THE YEAR ENDED 31 DECEMBER 2024 Trusto08 Lady Anwen Hurt (resign8J 2 August 2024) June Clarke Sarah Ellis (appointed 25 June 2024) Nigel Hadlow (resigned 20 February 2024) Alison Jenkison (appointed 8 April 2025) James Ramshaw lappoinled 6 August 2024) Siobhan Rayner {appointed 25 June 2024) Simon Walters (appointed 2 December 2024) Daniel Tutt Charity registered number 1046613 Principal offic• Kerridge Way Holl Ncrfdk NR25 60N AGEountants Ldtking GThEn LLP charter￿ Accountants Summerhill Hwse 1 Sculthorpe Road Fakenham NR219HA Page 1

THE HOLT COMMUNTfY CENTRE TRUSTEES. REPORT FOR THE YEAR ENDED 31 DECEMBER 2024 The Trustees present their annual ￿[￿rt together V•ilh Ihe financial statements of the Charity for the 1 January 2024 to 31 De￿mber 2024. Objectives and activities a. Pollcies and objectives The principal objects of the Charity are to control and manage a Community Centre for the benefil of th8 inhabitants of Hdt and the neighbouring areas. This is achieved by providing facilities for local individuals and organisations on a regular or ad4K)c basis. In setting objectives and planning f(x activities. the Trustees have given due con￿deration to general guidance publish￿ by the Charity Commisson rdating to public benefit. induding the guidance 'Public benefit: running charity (PB2)'. hlovoments and perforniance a. Main achievements of the Charty Next year being the 50th anniversary year of the Centre. our main focus t¢￿ardS the latter eThl of the year is to organis8 several events to celebrate. The events Voill be mainly th8m8d around our inaugural year and we dev81oped them wth a 1975 Iheme. We looked lo present different evènts indusive of all ag8 groups using the Centre then and now particularly the generation Nthich around during that period. We have ￿nScIenti0u￿Y looked at ways can be rn(￿e indu&ve t¢Jgether ￿1th positive approaches to find new revenue sources which will beneficial to the t0vmspeo￿È of Holt. We Itjok fowdrd to welcoming the Post Office inspired Banking Hub for the bvhich hope 54111 provide much￿eeded service a￿1 hdp to stsbilise our finances Regular groups such as memory svrdp, Wl. Rotary and others all C￿￿'n￿e to prosper. We continue to support the Community Café thich runs on a Thursday and have been developing the Cozy Café vthich runs Monday, Wednesday and Friday. catering for th8 general public. This offers a safe Spa￿ for order mor8 vulnerable memb8rs of our f£ciety and is proving to be an intergenerational mixing pot. We have begun hosting bands on a much more regular bass and are Ic(l￿ng to vary the type of musc and entertainment provided. in order engage a wder audience. Karaoke arKJ disco continue to be popular amongsl the younger generation. We are c¢￿tInuallY monitoring the building integrity in c*der to keep abreast of repairs and improvements, actively Seeking out grants vthere tK)ssible to ￿1p. b. Investment policy and performance The charity invests its funds in Ca￿ and liquid r￿urCes. Page 2

THE HOLT COMMUNITY CENTRE TRUSTEES, REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2024 Flnanclal revlew a. Golng corKern After making apFryriate enquiries. the Trustees have a rea8￿nable expectation that the Charity has adequate resources lo conllnue In operallonal eXI￿enCe for Ihe foreseeable future. For this reason, they continu8 10 ath)pt the g￿ng concem basis in preparing the financial statements. b. Reserves policy The Trustees are C(￿tinUallY looking at thè major risks facing the charity and take all necessary steps to mitigate these vtherever nece￿ry. Their intention is to seek to create financial reserves suffiGient to fund three months of operating and running costs of the c￿Munity Centre. At the year end 31.12.2024. the charity held total funds of of £220.469 (2023: £220.783). Free reserves *hich ccffiprise unrestricted funds not reFf6S8nt8d by fixed assets were £19.257 12023: £13.163). At the year the endowment fund balanc8 was £155.000. unchanged from 2023. The endowm8nt fund comprises of the acquistion of the larKI and subsequent construction of the Community Centre that Wds financed by the fomier Lrxal AUth￿lty and other charitable donors. In 1996 the propety was revalued at an o￿n market value of £155.000. In the interest of clarity. th8 value of the building in 1996 is deemed to represent the amounts endo%4Ed by the various benefactors The restricted funds at the year end £641 (2023: £507). The rethcted funds ccrfmprise of the 1940's and flooring funds vknich are to be us8d in accordan￿ viith the specific restrictions imposed by donors, or which have been raised by the charity for parti￿lar purposes. The costs of rai￿ng and administwing such funds are charged againsi the specific fund. structur￿ governance and managomant a. Constitution The Holt Community Centre is a regist8red charity. nwnber 1046613. and is constituted urMJ8r a Trust d88d. b. Methods of appointment or electlon of Trusteos The management of the Charity is the responsibility of the Trustees are 8l&téd arKI ccpopted under the tems of Ihe Trust deed. Page 3

THE HOLT COMMUNrrY CENTRE TRUSTEES. REPORT {CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2024 SLitement of Trustees. responslbllltles The Trustees are responsible for preparing the Trustees. report and the financial statements in accordance wth applicable law and United lQngdom Accounts'ng Standards (United Ktngdom Generally AC￿pted Accounting Practice). The law applicable to charities in England & Wales requires the Trustees to prepare financial statements for each financial ￿lch give a true and fair view of the state of affairs of the Charity and of its incoming resour￿$ and application of resources, induding its irKome and expeThJiture, for that periLxI. In preparing these financial statements. the Trustees are rewired to: S818Ct suitable accounting policies and then apply them consstently., observe the methods and principles of the Charities SORP {FRS 102). make judgments and accounts'ng estimates that are reaxinable and prudent state ￿ether applicable UK Accounting Standar(Is {FRS 102) have been followed, subject to any material departures disclosed and explained in the financial statements; prepare the financial slalements on the gcrfng COn￿M bass unless it is inappropriate to prewme that the Charity will continue in bU￿ne$S. The Trustees arè responsible for keeping adequate acc¢JJnting records that are SLrfficienl lo show and oxplAin the Charity's transaclions and disdose rea￿nable accuracy at any time the financial p￿tion of the Charity and enable them to ensure that the financial ststements comply thith the Charities Act 2011. the Charity (Accounts and Reports) Regulations 2008 a￿1 the provistons of the Trust deed. They are also responsible for safeguarding the assets of Ihe Charity and he￿e for ta￿ng rea￿al￿e steps for the prevents'on and detKlion of fraud and other irregularities. Approved by ordw of the members of the board of Trusi*s and sigrEd on their behalf by: Siobhan Trustee and Date.. er xecutive Committee Memb }11012uLFJ Page 4

DRAFT

16/9/2025 13:03

THE HOLT COMMUNITY CENTRE

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 DECEMBER 2024

Independent examiner's report to the Trustees of The Holt Community Centre ('the Charity')

I report to the charity Trustees on my examination of the accounts of the Charity for the year ended 31 December 2024.

Responsibilities and basis of report

As the Trustees of the Charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the 2011 Act').

I report in respect of my examination of the Charity'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 2011 Act.

Independent examiner's statement

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

1. accounting records were not kept in respect of the Charity as required by section 130 of the 2011 Act; or

2. the accounts do not accord with those records; or

3. the accounts do 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.

This report is made solely to the Charity's Trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. My work has been undertaken so that I might state to the Charity's Trustees those matters I am required to state to them in an Independent examiner's report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the Charity and the Charity's Trustees as a body, for my work or for this report.

Signed: Christopher Yeates

Dated: 8 October 2025 FCA DChA

Larking Gowen LLP Chartered Accountants Summerhill House 1 Sculthorpe Road Fakenham NR21 9HA

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THE HOLT COMMUNrrY CENTRE STATEMEp¥f OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2024 Endowment Restrict￿ Unrestficted fvnds funds funds 2024 2024 2024 Total funds 2024 Totsl fvnds 2023 Note Income and ondowmants from: Donations and grants Charitable activities Other trading activitl8S Investments 12,099 81,151 22,067 13 13,099 81,151 22,067 13 10,823 82, 656 6, 6eii Total Incoma and èndowments 1.000 115.330 116,330 100, 145 Expndlture on: Charitable aclivities Other èxpenditure 106.153 9.625 107,019 9,625 92,567 10,588 Total expenditure 115,778 116,644 103, 155 Not movement in funds 134 {448) (314) (3,010) Reconclllatlon of funds: Totsl funds brought for4Yard Nel movement in funds 155.000 507 65.276 220.783 (314) 223. 793 (3.010) 134 Total funds carried forward 155,000 641 64,828 220,469 220, 783 The Ststement of financial activities includes all gains and losses recognised in the year. The notes on pages 8 to 17 form part of these financial ststements. Page 6

THE HOLT COMMUNrrY CENTRE BALANCE SHEEr AS AT 31 DECEMBER 2024 2024 2023 Fixed assets Tangible assets 200,571 207,113 200,571 207,113 Current assots Stocks Debtors Cash at bank and in hand 2,000 3,631 23,005 1.650 10 16.957 28,636 18,607 Current Ilabllltles Creditors: amounts falling due V•rythin one year 11 (8,738) (4,937) Net current assets 19,898 13,670 Total asséts less current Ilabllltles 220,469 220, 783 Total net assets 220.469 220. 783 Chaiity funds Endovffli￿t funds Restrided funds Unrestricted funds 12 12 155,000 641 64,828 155, OCKI 507 65,276 12 Total funds 220.469 220, 783 The financial ststements ￿re approved and authorised for issue by the Twst*s and signed on their behalf by: Slo han Ra Date.. The notes on paw 8 to 17 fonn part of these financial statements. Page 7

THE HOLT COMMUNITY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 Accounting policies 1.1 Basls of preparatlon of financlal statements The finanrial *atements have been p￿pared in accordance with the tharities SORP (FRS 102) - Aeeounting and Reportin9 by Charitio$.' Stat•m8nt of Recommended Practice applicablè to charities preparing th6ryr accounts in accordance V•ith the Financial Rewrting Standard applicable in the UK and Republic of I￿land {FRS 102) (effective 1 January 2019), the Financial Reporting Stsndard applicable in the UK and Republic of Ireland (FRS 102) and Ihe Charities Act 2011. The financial statements have b88n prepared to gtve a Yrue and fairf view and have dèparted from the Charities (Accwnts and Reports} Regulations 2008 only lo the extent required to provide a 'true and fai¢ view. This departure has involved foll￿ing the Charities SORP (FRS 102) published in October 2019 rather than the Accounting and Reporting by Charities.. Stalement of R&ommended Practice effective from 1 April 2005 vknich has since been wthdr&•ffl. The Hc4t Community Centre meets the definition of a public benefit entity urKler FRS 102. Ass8ts and liabilities are initially recojnised at historical cost or transaction value unless other¥%ise stated in the relevant acccmjnting policy. Thp_sp. fin8ncial statements are prÈpared in accordance with FRS 102. 1.2 Golng Concern After making appropriate enquiries. the Trustees have a wsonable expectation that the company has adequate r8sourc&s to continue in operational existence for the foreseeable future. For this rèason. they c<￿tinue to adopt th8 going corwn basis in preparing the financial statements. 1.3 Income l income Is recc>Jnised once the Charity has entillement to the income. it is probable that the income will be rec&ved and the amount of income rerHvabie can be measured r81iably. Grants are included in the Statement of financial activities on a re￿Vable basi5. The balan￿ of income ￿e1v￿ for specific purposes but not expended during the period is ShOb￿ in the relevant funds on the Balarsce sheet. Where incomÈ is rp.rAvpd in advance of @ntitlomÈnt of rÈceipt. its recognition is deferred and Inclu(1￿ in creditcfs as deferred income. Where entitlement occurs before income is received. the income is accrued. Income tax recoverable in relati<￿ to investrnent in(J)me is rec(KJnised at the time the investment income is receivable. Oth8r income is recoJnised in the period in which it is receivable and to the extent the g￿lS have been providgj or on ccffipletion of the service. Pag8 8

THE HOLT COMMUNrrY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 Accounting policies (continued) 1.4 Expenditure Expenditure is recognised onc8 thère is a legal conslructive ci)ligation to transf8r ￿OnOMI benefit to a thiru party, il is probable that a transfer of econcfflic benefits wll be required in settlement and the amount of the rt)ligation can be measured reliably. Expenditure is Cla￿rIed by aclivity. The costs of each activity are made up of the total of direct costs aNI shared costs. including support costs invofved in undwlaking 8￿h activity. Direct costs attribuiable to a sngle activity are all(￿ated dIreC￿Y to that activity. Shared costs vthich contribute to more than one activity and support costs ¥thich are not attributable to a single activity are apportioned bemeen those activities on a ba&s consistent with the use of resources. Central staff costs are allocated on the basis of time Sp￿t, and depreciation d￿rgeS allcKat&J C￿ the wtton of th8 ass8t's use. Expenditure on charttable activities is incurred on direcuy undertalung the activities vthich further th8 Charity's Obj￿tives, as vdl as any asgxiated gjpport costs. All expenditure is indusive of irrecoverab18 VAT. 1.5 Tangible f￿ed assets and depreciation Tangible fixed assets are initially recognised at cost. After reGognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impaim18nl losses. All costs incurred to bring a tangible fixed asset into its intend&J ￿￿rkIng condition should be induded in the Mea￿r￿nant of cost. Depreciation is charged so as to allLxate the cost of taTrJible fixed assets less their residual value over their estimated useful lives. Depr￿lation is provid￿1 on the follo￿￿ng basis: Fixtures and fittings 150fi Red￿Ing balance Freeh)Id propwty is not depreciated as any deP￿latiOn is considered immaterial. 1.6 Slock5 Slo¢k5 are valued at Ihe lower of cost and net realisable value after rnaking due allowance for obsolete and SIO￿￿0vIng stocks. 1.7 Debtors Trade and other debtcKs ar8 recognised at the settlement amount after any trade dis£ount offered. Prepayments are valued at the amount prepaid net of any trade discounts due. 1.8 Cash at bank and in hand Cash at bank and in hand indudes cash and short-tenn highly liquid inveslments with a short maturity of three M￿thS or less from the date of acquisition LY opening of the depost or similar account. Page 9

THE HOLT COMMUNITY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 Accounting policies (continued) 1.9 Liabilities and provisions Lialilities are recowised th there is an i)ligatiM at the Balance sheet date as a result of a past evenl. it is probable that a transfer of economic benefit TrMII be required in settlemenl, an¢ Ihe amount of the settlement can be estimated reliably. Liaknlilies are recognised at th8 arnO￿t that the Charity anticipates it V•ill pay to S8tUe th8 debt or Ihe amount it has received as adva￿ed payments for the gjods or services it must provide. ProVisic￿S are measured at the best eslimate of the amounts required to settle the obligation. Where the effect of the time value of money is material. the provis￿ is based on the presenl value of those amounts, discounted at the pr&tax discount rate that reflects the risks specific to the liability. The urminding of the dixount is rec(Jnis8d in the Statement of financial activities as a finance cosL 1.10 Fund accounting General fuThJs are unreslri¢ted funds vthich are available for u at the discretion of the Trustees in furthwance of the general objectives of the Charity and vthlch have not been Oesignate¢J for other purpose& Restricted funds are funds ¥thich are tr) be used in a￿ordance ryth sp8cifi¢ restrictions irnposgJ by donors or wthich hav8 beén raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial ststements. Investment inccmne. gains arKI losses are allocated to the apwopriale fund. The endwnent fund ccfflprises of tt)e acquisition of the land and subsequent construction of the Community Centre that was finan￿1 by the fonner Lccal AUth￿ty and other charilable donors. In 1996 the propety was revalu￿ at an open tnarket value of £155,OIX). In Ihe interest of clarity, the value of the t￿lIding in 1996 is deemed to repre*nt the amounts end0V￿ by the various benefactor5. Income from donations and legacies Restricted Unrestricted funds funds 2024 2024 Total funds 2024 Total funds 2023 Donations Grants 9.476 2.623 9,476 3,623 7,229 3,594 1,000 12.099 13,099 10,823 Total 2023 2, 594 8,229 10.823 Pag8 10

THE HOLT COMMUNITY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 Income from ¢harllable activities Unrestrfcted funds 2024 Total funds XJ24 Totsl funds 2023 Regular rentals One off bO￿ng$ Bar sales Other reV￿ue 35,491 7,435 38,225 35,491 7,435 38.225 42.020 7,620 25,238 7, 778 81,151 81,151 82, 656 Analysis of oxpenditure on charltable activili•s Summary by fund typ• Restrlcted Unrestrlcted funds funds 2024 2024 Totsl 2024 Total 2023 Staff associat&J costs Direct bar costs Cleaning Telephone Advertising Light & heat Band and DJ charges Printing. postage and statiO￿ry Computer and V¥Ebsite costs Rates Repairs and maintenan Oepwiation 32,477 18.273 15.637 991 32,477 18.273 15,637 23,771 18,464 10,243 1. 769 5.156 4.303 5,656 4,303 5,385 4,111 1,782 885 1.188 1.042 2.885 8,561 8,042 1,188 1,042 2,885 8,927 8,042 4,112 10, 186 9, 196 106.153 107,019 92,567 Total 2023 2,594 89,973 92,567 Page 11

THE HOLT COMMUNrrY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 other expenditure Unrestrlcted funds 2024 Total funds 2024 Total funds 2023 AcC￿ntancY Ingjrance Licences and SUb￿riptionS 3.569 2,328 3,728 2,204 2, 138 6,246 2,328 3,728 9.625 9,625 10,588 Independent examinerfs remunefatio The independent examIn￿S remuneration amounts to an independent examiner fee of £1,565 {2023 - £1.450). Trustso8' rnmuneration and èxpensas During th8 year. no Trustees re￿iVed any reM￿￿ratiOn or 0￿r benefits (2023 - £NIL). During the year ended 31 December 2024. no Trustee expenses have been incurred (2023 - £NIL). During th8 year, Trustees receive(I no reimbursement of expanses (2023 £nil). Page 12

THE HOLT COMMUNrrY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 Tanglble flxed assets Freehold Fixtures and operty fittings Total Cost or valuation At 1 January 2024 Additions 155,000 61,309 1,500 216,309 1,500 At 31 t)ecember 2024 155,000 62,809 217,809 Dapreciation At 1 January 2024 Charge for the year 9,196 8,042 9,196 8.042 At 31 D8C8mbw 2024 17,238 17,238 Net book valu• At 31 December 2024 155,000 45.571 200,571 At 31 De￿mber 2023 155,OLkJ 52,113 207, 113 stocks 2024 2023 Bar stocks 2,000 1.650 10. Debtors 2024 2023 Due wlthln one year Trade debtors Prepayments and acctued income 1,499 2,132 3,631 Page 13

THE HOLT COMMUNrrY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 11. Credltors: Amounts falllng due wlthln one ythqr 2024 2023 Other loans Trade creditors Accruals and deferred income 3,885 4,047 4,131 8,738 4,937 Page 14

THE HOLT COMMUNITY CENTRE NOTES TO THE FINANCIAL STATEMEKrs FOR THE YEAR ENDED 31 DECEMBER 2024 12. 3tatement ot funds Slatement of funds - currnnt ye Balance at 31 December 2024 Balance at 1 January 2024 Income ExporKllture Unrestrlcted funds General Funds 65,276 115,330 {115.778) 64,828 Endowment funds Endowment Funds 155.000 155,000 Restrlcted funds 1940's tund Go Digital Fridge 507 $07 1500) (366) 134 507 (866) Total of funds 220,783 116.330 (116.644) 220,469 The endthyment fund ¢￿ipriseS of the acquistiC￿ of the land and subsequent c(mstruction of the Community Centre that vras financed by the fcmier Lccal Authority and other charitable donors. In 1996 the property ￿$ revalued at an open market value of £155,000. In the interest of clarity. the value of the building in 1996 is deemed to represent the amounts endowed by tlie vaiivu¥ benefactors. The restricted funds comprise of the 1940's & flwring funds. Go Digital and fridge, vthich are to be used in accordance wth the specific restrictions imposed by donors, or have been raised by the charity for particular purposes. The costs of raising and administering suth funds are charged against the SP8cifi¢ fund. Page 15

THE HOLT COMMUNrrY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 12. Ststement of funds {contlnued) statement of funds - wlor year Balance at 31 Balanc8 af l Januwy 2023 InconE Expenditure 2023 Unrestrlcted funds General Funds - all funds 68.286 97.550 (l(Kl,560) 65,276 Endowment funds Endow•Tnent Funds- all funds 155,0 155,OCiI Restrlcted funds 1940's fund Community Cafe 507 507 (584) 1.091 {584) 507 Total of funds 224,377 97,550 (101. 144) 220, 783 Page 16

THE HOLT COMMUNrrY CENTRE NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 13. Analysis of net assets between funds Anatysis of net assets between funds - current period Endowment Restrlcted Unrestricted funds fund5 funds 2024 2024 2024 Total funds 2024 Tangible fixed assets Current assets Creditors due ￿TthIn one year 155.000 45.571 27,995 {8,738) 200,571 28,636 (8,738) 641 Totsl 155,000 641 64,828 220,469 Analysis of net assets bet￿n furKls - prior period Endowment ResTncted Unrestr7Ct8d fvnds funds funds 2023 2023 2023 Total lunds 2023 Tangible fixed assets Current a&sets Creditors due ￿1th1n year 155.OLiI 52,113 18, 1LIO (4.937) 207, 113 18,607 (4,937) 507 Total 155,000 507 65.276 220, 783 14. Related party transactions At the year end £806 VRS OV￿ in respect of an interest fre8 loan from C Burns regarding notiC8board$ (2023: closing loan balance £8061.C Burns wgned as a Trustee in July 2023. Page 17