BRISTOL AND ANCHOR ALMSHOUSE CHARITY REPORT & FINANCIAL STATEMENTS 31 MARCH 2025
Charity Number: 1075673 Tenants Service Authority Number: A4256
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
| Contents | Page |
|---|---|
| Reference and Administrative Information | 1 |
| Trustees’ Annual Report | 2 – 6 |
| Independent Auditor’s Report | 7 – 9 |
| Statement of Financial Activities | 10 |
| Balance Sheet | 11 |
| Notes to the Financial Statements | 12 – 22 |
| The following page(s) do not form part of the statutory financial statements | |
| which are the subject of the independent auditor’s report. | |
| Almshouse and Beehive Centre Income and Expenditure | 24 |
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
REFERENCE AND ADMINSTRATIVE INFORMATION
YEAR ENDED 31 MARCH 2025
Legal and operating name
Bristol & Anchor Almshouse Charity
Charity registration number
1075673 (England & Wales)
Tenants Service Authority registration number
A4256
Principal Office and Contact Details
The Beehive Centre 19a Stretford Road, Whitehall Bristol BS5 7AW
Tel: 0117 9354471 Web: https://www.thebeehivebristol.co.uk/
Trustees
William Durie Derek Cann Rev Nicola Coleman Beverly Holtum - Resigned August 2025 Peter Woolf Elizabeth Welling Michael Bothamley – Resigned August 2025
David Bateson Elizabeth Evans – Resigned June 2024 Richard Jarratt Ann Smith Sarah Flint – Appointed March 2025
Independent Auditor
Burton Sweet Limited Statutory Auditor The Clock Tower 5 Farleigh Court Old Weston Road Flax Bourton Bristol BS48 1UR
Bankers
HSBC Bank 62 George White Street Bristol BS1 3BA
Investment Advisors
Brewin Dolphin 40 Queen Square Bristol BS1 4QP
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
TRUSTEES’ ANNUAL REPORT
YEAR ENDED 31 MARCH 2025
1. Introduction
The trustees have pleasure in presenting their report and financial statements for the year ended 31 March 2025. The Trustees have adopted the provisions of the Statement of Recommended Practice (FRS102 SORP) ‘Accounting and Reporting by Charities’ in preparing the annual report and financial statements for the charity.
2. Objects and activities of the charity
The objects of the Bristol and Anchor Almshouse Charity (the Charity) set out in the governing document the Charity Commission Scheme of 16 November 1998 is the relief in need in relieving either generally or individually persons resident in the city of Bristol, who are in conditions of need, hardship or distress by making grants of money or providing or paying for items, services or facilities calculated to reduce the need, hardship or distress of such persons, with preference to be given to persons resident in the ancient parish of St John The Baptist and subject thereafter to persons resident in the ecclesiastical Parish of St Ambrose, Whitehall.
3. Residents
There are 22 almshouses in total, 14 two bedroom flats built in 2000 and 8 one bedroom Victorian cottages which are historic buildings. The 22 almshouses are on one site in Whitehall, Bristol. The accommodation is for independent living although, as residents get older, the Charity continues to support them for as long as possible and allows residents to receive care packages, social service assistance and support from the mental health team, as required.
Bristol and Anchor Almshouse Charity is a provider of social housing registered with, and regulated by, the Regulator of Social Housing (RSH) as well as a registered charity regulated by the Charity Commission.
Applications for housing are encouraged from anyone who believes they fulfil the three basic criteria (housing need, financial need and social need). All applicants are assessed in line with an internally approved policy. A sub-committee is responsible for interviewing and assessing new applicants and allocating vacant almshouses. The site has a Clerk, a Centre Manager and an Administrator available during office hours who oversee the site, along with a Handyman and cleaning staff.
Residents at the Charity live independently and need to be mobile. The Clerk and Staff’s remit is to ensure the daily well-being of all residents and to assist them with day to day living although they are not medically trained and do not provide personal care. Their role can be described as “being a good neighbour”. The Clerk and staff maintain regular contact with family members when necessary and in particular when a resident is unwell. The Trustees and Clerk meet regularly to discuss management and resident issues.
Residents pay a weekly maintenance contribution for their licence (as opposed to a rent) and a contribution to water, gas and electric. Weekly maintenance contributions vary between £129.50 - £176.00 per week depending on the accommodation that is provided. In addition, all residents pay a £30 per unit weekly contribution to water, electricity and gas, and communal services plus £29 per week for heating and lighting.
The Trustees aim to keep residents’ costs as low as possible by taking into account target rents from the RSH and equivalent fair rent assessments from the Valuation Office Agency. In addition, the Clerk consults with Bristol City Council on any rent increase ensuring that those residents who require assistance can access 100% of the weekly maintenance contribution payments through housing benefit if eligible.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
TRUSTEES’ ANNUAL REPORT
YEAR ENDED 31 MARCH 2025
Trustees and staff are aware of the implications of the proposed Care Act which brings social housing providers within the care sector and gives a greater role for social housing within care assessments. Policies to incorporate this role have been prepared and approved.
The Trustees strive to ensure a fair, consistent, and transparent process when allocating Almshouse accommodation. There is an approved policy within the Charity consisting of a comprehensive application form, an informal interview, a points system, and continual review of applicants known to us who are waiting for accommodation.
The Charity also provides a wide range of social activities to which residents are invited, but not obliged to attend. These take place in the Community Centre known as the Beehive.
4. The Beehive Community Centre
The Beehive Centre, previously the St Ambrose church hall, is an intergenerational community space for people living in the neighbourhood and nearby. The centre hosts approximately 3,500 attendances each month..
The Beehive Centre is a fully accessible community hub and meeting place. It aims to reduce social isolation and loneliness in the community by offering a wide range of daily activities for mixed ages and abilities that also promote health and wellbeing.
The Charity’s volunteers are led by fully trained tutors and volunteers. The centre also hosts many other groups and organisations.
The centre is a not-for-profit community-based organisation, which provides information and assistance to local residents and implements programmes to meet community needs.
It aims to establish a thriving, dynamic, community centre in the heart of Whitehall and St George, Bristol that:
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promotes the values and worth of all people
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encourages the active involvement of all residents and groups
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celebrates the cultural richness and diversity of the community
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creates opportunities for the development of individual potential and wellbeing
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fosters a cohesive and harmonious community
Thus far the Charity has funded 100% of the Beehive Centre from its own resources. The Beehive Centre currently runs at an annual deficit of about £50,000.
The Charity is looking to obtain outside funding to assist with the running of the Beehive Centre. It will be looking for grants over the next financial year to ensure the Centre maintains the high standards and offers a comprehensive programme of activities to local residents and continues to be a destination place for people to come in St George.
5. Financial Review
In 2024-25 the Almshouse generated a surplus of £119,016 and the Beehive a deficit of £59,739, resulting in a surplus for the Charity of £59,277 (previous year £65,221) on income of £335,737 (2024: £300,147) and expenses of £318,716 (2024: £313,820). The difference between the surpluses in 202425 and 2023-24 is mainly accounted for by changes in the value of the investment portfolio.
The Charity has funded all the costs and deficit of the Beehive Centre from April 2020 when the LinkAge (West of England) charity, the previous organisation to operate in the Beehive Centre, closed down. In light of the current and anticipated cost of living pressures, the Beehive Community Centre will be looking for grant assistance to continue its programme of activities.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
TRUSTEES’ ANNUAL REPORT
YEAR ENDED 31 MARCH 2025
6. Reserves Policy
It is the Trustees’ policy to hold free reserves equal to between six and nine months expenditure. It is also the Trustees’ policy to generate annual surpluses to cater for future requirements and growth.
As at 31 March 2025 the charity held free reserves of £175,193, representing 6.5 months expenditure (previous year £434,608 and 16 months). The reduction in free reserves over the year is in relation to a designated fund set up for the cyclical maintenance of the almshouses, following the report of a stock condition survey.
7. Public Benefit
The Trustees confirm that they ensure that they meet the objects of the Charity for the public benefit, as defined by the Charities Act 2011 and have proper regard to the guidance published by the Charity Commission in respect of the subject of public benefit.
8. History, Structure, Governance and Management of the Charity
Bristol and Anchor Almshouse Charity is an unincorporated charity, established under a Charity Commission Scheme dated 16[th] November 1998. The Charity was brought into a single scheme by three former Almshouse charities, Bristol (St John the Baptist and St Ambrose) Charity, Hill’s Almshouse Charity and Whitson Street Almshouse Charity. A new building, comprising fourteen two bedroom flats, was completed in May 1999 and a Day Centre (now known as the Beehive Centre) was constructed in the former Church Hall of St Ambrose, Whitehall. The eight cottage dwellings, formerly owned by Bristol (St John the Baptist and St Ambrose) Charity, were re-furbished and modernised in August 1999.
The developments were financed by the reserves of the three charities, including the proceeds of sale of the properties of Hill’s Almshouses and Whitson Street Almshouse Charity, by grants from the Anchor Society and the Housing Communities Agency (HCA) and a by mortgage from Bristol and West Building Society.
The Trustees administer twenty-two units of accommodation for older people and the Beehive Centre at the Almshouse site.
Governing Document
Bristol and Anchor Almshouse Charity was founded as an unincorporated charity under a Charity Commission Scheme of 16th November 1998. The charity is in the process of changing to a Charitable Incorporated Organisation.
The Trustees meet formally on a quarterly basis with some business undertaken by electronic means. Between meetings, responsibility for the management of the charity lies with the Chair of the Board of Trustees, the Treasurer and the Clerk to the Trustees.
The key management personnel of the charity are the Chair and the Treasurer of the Board of Trustees and the Clerk to the Trustees.
The Board of Trustees consists of not less than twelve and not more than fourteen persons being:
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Two Ex- officio Trustees,
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Seven Nominated Trustees, and
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Not less than three nor more than five Co-opted Trustees
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
TRUSTEES’ ANNUAL REPORT
YEAR ENDED 31 MARCH 2025
Each nominated Trustee appointment shall be made for a term of four years at a meeting convened and held according to the ordinary practice of the appointing body. Co-opted Trustees are appointed for a term of five years by a resolution of the Trustees passed at a special meeting of which not less than 21 days’ notice has been given.
Induction and training of new Trustees follows the National Almshouse Association guidelines.
9. Risk Management
Trustees regularly log major strategic, business, financial and operational risks which the Charity faces and have established procedures to manage organisational risks to ensure compliance with best practice and legislation and to cover the delivery of projects. A new approach to risk management was set up and a sub committee of Chair, Clerk to the Trustees and two Trustees established to take this forward.
10. Cyclical Maintenance Fund (CMF)
The flats were built and the Victorian cottages refurbished 25 years ago. They are starting to show their age. A Stock Condition Report was commissioned in November 2024 which identified £330,000 of repairs and updates that are likely to arise in the next several years.
Kitchens, bathrooms and heating systems in the flats and cottages will need updating or replacing, some of the wooden windows will need replacing, other windows will need significant repair, and other elements of the building structure will need attention.
The Trustees take pride in the quality of the accommodation. Repairs and maintenance of the estate is an ongoing process. Some of the work identified in the Stock Condition report was completed before the 2024-25 year end.
Accordingly the Trustees agreed to create a new Delegated Fund of £300,000 for Cyclical Maintenance to cover the balance of the work required.
11. Statement of trustees’ responsibilities
The trustees are responsible for preparing the Trustees’ Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards including Financial Reporting Standard 102 and the Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).
The law applicable to charities in England & Wales requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the income and expenditure of the charity for that period. In preparing these financial statements, the trustees are required to:
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select suitable accounting policies and then apply them consistently;
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observe the methods and principles in the Charities SORP;
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make judgments and accounting estimates that are reasonable and prudent;
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state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements; and
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prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in business.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
TRUSTEES’ ANNUAL REPORT
YEAR ENDED 31 MARCH 2025
The trustees are responsible for keeping sufficient accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the Charity Commission Scheme. 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.
Approved by order of the trustees on …………………. and signed on its behalf by: 18 December 2025
Ann Smith, Chair
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
INDEPENDENT AUDITOR’S REPORT
YEAR ENDED 31 MARCH 2025
Independent auditor’s report to the members of Bristol & Anchor Almshouse Charity
Opinion
We have audited the financial statements of Bristol & Anchor Almshouse Charity (the “Charity”) for the year ended 31 March 2025 which comprise the Statement of Financial Activities, the Balance Sheet and notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102: The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).
In our opinion, the financial statements:
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give a true and fair view of the state of the Charity’s affairs at 31 March 2025 and of its income and expenditure for the year then ended;
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have been properly prepared in accordance with the United Kingdom Generally Accepted Accounting Practice;
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have been prepared in accordance with the requirements of the Charities Act 2011.
Basis of 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 Charity 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 charity'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 trustees are responsible for the other information. The other information comprises the information included in the annual report other than the financial statements and our auditor’s report thereon. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.
In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
INDEPENDENT AUDITOR’S REPORT
YEAR ENDED 31 MARCH 2025
statements or our knowledge obtained in 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 there is a material misstatement of the other information. 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.
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 Act 2011 requires us to report to you if, in our opinion:
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sufficient accounting records have not been kept;
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the financial statements are not in agreement with the accounting records and returns; or
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we have not obtained all the information and explanations necessary for the purposes or our audit.
Responsibilities to the trustees
As explained more fully in the trustees’ responsibilities statement, 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 they 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 Charity’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 liquidate the Charity or 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 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:
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we identified the laws and regulations applicable to the charity through discussions with those charged with governance and other management, and from our knowledge and experience of the sector;
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we focused on specific laws and regulations which we considered may have a direct material effect on the financial statements of the operations of the company, including the Charities Act 2011, taxation legislation and data protection, anti-bribery, employment, pensions, environmental and health and safety legislation; and
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we assessed the extent of compliance with the laws and regulations identified above through making enquiries of management, inspecting legal correspondence and remaining alert during the audit for any indications of non-compliance.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
INDEPENDENT AUDITOR’S REPORT
YEAR ENDED 31 MARCH 2025
Our audit procedures in relation to fraud included but were not limited to:
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making enquiries of those charged with governance and other management as to where they considered there was susceptibility to fraud, their knowledge of actual, suspected and alleged fraud;
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discussing amongst the engagement team the risks of fraud;
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gaining an understanding of the internal controls in place to mitigate risks of fraud and noncompliance with laws and regulations;
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testing journal entries to identify unusual transactions;
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assessing whether judgements and assumptions made in determining the accounting estimates set out in the accounting policies were indicative of potential bias; and
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investigating the rationale behind significant or unusual transactions.
There are inherent limitations in our audit procedures described above. The more removed that laws and regulations are from financial transactions, the less likely it is that we would become aware of noncompliance. Auditing standards also limit the audit procedures required to identify non-compliance with laws and regulations to enquiry of the directors and other management and the inspection of regulatory and legal correspondence, if any. Material misstatements that arise due to 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 for the audit of the financial statements is located on the Financial Reporting Council’s website at www.frc.org.uk/auditors/audit-assurance-ethics/auditorsresponsibilities-for-the-audit. This description forms part of our auditor’s report.
Use of our report
This report is made solely to the Charity’s trustees, as a body, in accordance with section 144 of the Charities Act 2011 and the regulations made under section 154 of the Act. Our audit work has been undertaken so that we might state to the Charity’s trustees those matters we are required to state to them in an auditor’s report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity’s trustees as a body, for our audit work, for this report, or for the opinions we have formed.
Burton Sweet Limited Statutory Auditor The Clock Tower 5 Farleigh Court Old Weston Road Flax Bourton Bristol BS48 1UR
Date:………………………………….. 18 December 2025
Burton Sweet Limited is eligible for appointment as auditor of the charity by virtue of its eligibility for appointment as auditor of a company under section 1212 of the Companies Act 2006.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
STATEMENT OF FINANCIAL ACTIVITIES
YEAR ENDED 31 MARCH 2025
==> picture [463 x 316] intentionally omitted <==
----- Start of picture text -----
Unrestricted Restricted Endowment Total Funds Total Funds
Funds Funds Funds 2025 2024
Note £ £ £ £ £
Income and endowments from:
Donations and legacies 2 3,325 - - 3,325 7,313
Charitable activities 3 313,033 - - 313,033 271,908
Other trading activities 4 5,058 - - 5,058 6,496
Investments 5 11,630 - - 11,630 14,430
Other income 2,691 - - 2,691 -
Total income 335,737 - - 335,737 300,147
Expenditure on:
Raising funds 6 7,044 - - 7,044 7,993
Charitable activities 7, 8 311,672 - - 311,672 305,827
Total expenditure 318,716 - - 318,716 313,820
Net gains/(losses) on investments 13 40,936 1,520 (200) 42,256 78,894
Net income/(expenditure) 57,957 1,520 (200) 59,277 65,221
Transfers between funds 16 (8,800) - 8,800 - -
Net movement in funds 49,157 1,520 8,600 59,277 65,221
Total funds at 1 April 16 1,825,506 21,889 1,649,420 3,496,815 3,431,594
Total funds at 31 March 16 1,874,663 23,409 1,658,020 3,556,092 3,496,815
----- End of picture text -----
The charity has no recognised gains or losses other than the results for the year as set out above.
All of the activities of the charity are classed as continuing.
The comparative funds are set out in note 18.
The notes on pages 12 to 22 form part of these financial statements
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
BALANCE SHEET
AS AT 31 MARCH 2025
| Note Fixed assets Tangible assets 12 Investments 13 |
2025 2024 £ £ 2,505,857 2,497,285 1,016,462 989,920 |
|---|---|
| Current assets Debtors 14 Cash at bank |
3,522,319 3,487,205 16,059 12,657 39,019 25,216 |
| Creditors : Amounts falling due within one year 15 |
55,078 37,873 (21,305) (28,263) |
| Net current assets | 33,773 9,610 |
| Net assets | 3,556,092 3,496,815 |
| Funds Endowment funds 17 Restricted funds 17 Unrestricted funds General funds 17 Cyclical maintenance fund 17 Revaluation reserve 17 |
1,658,020 1,649,420 23,409 21,889 847,125 1,097,968 300,000 - 727,538 727,538 |
| 3,556,092 3,496,815 |
Approved by the Trustees on ….......................... and signed on their behalf by:18 December 2025
Ann Smith
Richard Jarratt
The notes on pages 12 to 22 form part of these financial statements
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
1 Accounting policies
Basis of preparation
Bristol & Anchor Almshouse is a registered unincorporated charity under the Charities Act 2011 (registered number 1075673), and is registered with the Tenant Services Authority as a registered provider (number A4256).
The financial statements have been prepared in accordance with the historical cost convention (except where otherwise stated in the accounting policy note) and in accordance with the Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued in October 2019, and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102), and the Charities Act 2011.
The accounts (financial statements) have been prepared to give a ‘true and fair’ view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a ‘true and fair view’. This departure has involved following 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) issued in October 2019 rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.
The Trustees consider that there are no material uncertainties about the charity's ability to continue as a going concern. The housing units are fully occupied and there is a waiting list. The Beehive Centre is operating at near to capacity. Income and expenditure are under control. In the opinion of the Trustees, the charity has sufficient reserves to be able to meet any challenges.
The charity is a public benefit entity as defined under FRS102.
Income
Income is recognised in the Statement of Financial Activities (SOFA) on a receivable basis, when a transaction or other event results in an increase in the charity's assets or reduction in its liabilities and only when the charity has legal entitlement, the income is probable and can be measured reliably.
Income subject to terms and conditions which must be met before the charity is entitled to the resources is not recognised until the conditions have been met.
Rental income is recognised in the month it falls due. Unpaid rent is accounted for in debtors and any rents received in advance are accounted for as deferred income.
Dividend income is recognised when it has been received by the charity's fund manager.
Expenditure
Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that settlement will be required and the amount of the obligation can be measured reliably.
All expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all costs relating to the category.
Governance costs are those incurred in connection with administration of the charity and compliance with constitutional and statutory requirements. Governance costs are included within charitable activity support costs.
Expenditure on raising funds consists of investment management fees in respect of the investments held.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
1 Accounting policies (continued)
Allocation of costs
Direct costs that are specifically related to an activity are allocated to that charity. Shared direct costs and support costs are apportioned between activities.
The basis of apportionment, which is consistently applied, and proportionate to the circumstances is:
Staffing - on the basis of time spent in connection with any particular activity.
Premises related costs - on the proportion of floor are occupied by a particular activity.
Non specific support costs - on the basis of the usage of resources, in terms of time taken, capacity used, request made or other measures.
Fixed asset investments
Fixed asset investments in quoted shares, traded bonds, investment properties are shown at their market value at the balance sheet date at the end of the financial period. The Statement of Financial Activities includes net gains and losses arising on revaluations and disposals throughout the year.
Tangible fixed assets
Tangible fixed assets are measured at their original cost value, or subsequent revaluation. Cost value includes all costs expended in bringing the asset into its intended working condition. Capital items with purchase price of more than £200 are included within fixed assets.
Deprecation has been provided at the following rates in order to write off the assets to their anticipated residual value over their estimated useful life.
their estimated useful life. |
|
|---|---|
| Freehold property | No depreciation charged (see note 12) |
| Leasehold improvements | 10% straight line |
| Plant and machinery | 10% straight line |
| Motor vehicles | 20% straight line |
| Computer equipment | 25% straight line |
Old Almshouse building, St John's House, and the new Bristol and Anchor House are classed as freehold property per the financial statements. The trustees of the charity carry out an impairment review where there are indicators of possible impairment.
Freehold property is subject to a policy of professional revaluation every 7 years.
Debtors
Debtors are measured at their recoverable amounts at the balance sheet date.
Cash at bank balances
Cash held by the charity is included at the amount actually held and counted at the year end. Bank balances, whether in credit or overdrawn, are shown at the amounts properly reconciled to the bank statements.
Creditors and provisions
A creditor and provision are recognised when there is a legal or constructive obligation as a result of a past event and it is probable that an outflow of economic benefits will be required to settle the obligation.
Pensions - defined contribution scheme
The charity operates a defined contribution pension scheme. Contributions are charged to the Statement of Financial Activities in accordance with FRS102.
Any liabilities and assets associated with the scheme are shown under debtors and creditors.
Taxation
The charity is exempt from corporation tax on its charitable activities.
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BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
1 Accounting policies (continued)
Funds
General funds are unrestricted funds available for use at the discretion of the Trustees in the furtherance of the charitable purposes of the charity.
Designated funds form part of unrestricted funds and have been identified as being for particular purposes by the Trustees. They are not restricted and can be transferred to general funds at any time at the discretion of the Trustees.
Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes. Expenditure which meets these criteria is charged to the fund.
Permanent endowment funds are resources received by the charity that represent capital. A feature of endowment funds is that charity law requires the trustees to invest or retain the funds for the charity’s purposes. The term endowment applies to permanent endowment, where the trustees have no power to convert it into income and apply it.
2 Income from: donations
| Donations and gifts Grants |
Unrestricted Restricted Endowment Total Funds Total Funds Funds Funds Funds 2025 2024 £ £ £ £ £ 355 - - 355 2,813 2,970 - - 2,970 4,500 3,325 - - 3,325 7,313 |
|---|---|
Income from donations in the prior year was unrestricted.
3 Income from: charitable activities
| Provision of housing accommodation Beehive day centre |
Unrestricted Restricted Endowment Total Funds Total Funds Funds Funds Funds 2025 2024 £ £ £ £ £ 241,814 - - 241,814 212,984 71,219 - - 71,219 58,924 313,033 - - 313,033 271,908 |
|---|---|
Income from charitable activities in the prior year was unrestricted.
- 4 Income from: other trading activities
| Solar panel income Other |
Unrestricted Restricted Endowment Total Funds Total Funds Funds Funds Funds 2025 2024 £ £ £ £ £ 5,058 - - 5,058 4,686 - - - - 1,810 5,058 - - 5,058 6,496 |
|---|---|
Income from other trading activities in the prior year was unrestricted.
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14
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
5 Income from: investments
| Dividend income | Unrestricted Restricted Endowment Total Funds Total Funds Funds Funds Funds 2025 2024 £ £ £ £ £ 11,630 - - 11,630 14,430 11,630 - - 11,630 14,430 |
|---|---|
Income from investments in the prior year was unrestricted.
6 Expenditure on: raising funds
| Investment management costs | Unrestricted Restricted Endowment Total Funds Total Funds Funds Funds Funds 2025 2024 £ £ £ £ £ 7,044 - - 7,044 7,993 7,044 - - 7,044 7,993 |
|---|---|
Expenditure on raising funds in the prior year was unrestricted.
7 Expenditure on: charitable activities (by cost)
| Beehive day centre Wages and salaries Pension contributions Rent, rates and water Insurance Electricity and gas Office and similar costs Security, out of hours warden Almshouse repairs and renewals Cleaning Gardening and site maintenance Beehive repairs and renewals Legal and professional Bank charges Depreciation Governance costs |
Unrestricted Restricted Endowment Total Funds Total Funds Funds Funds Funds 2025 2024 £ £ £ £ £ 39,451 - - 39,451 28,867 82,260 - - 82,260 75,129 5,777 - - 5,777 9,258 6,560 - - 6,560 5,726 8,769 - - 8,769 8,574 23,000 - - 23,000 30,574 25,080 - - 25,080 24,825 1,800 - - 1,800 1,648 21,977 - - 21,977 35,758 13,775 - - 13,775 11,151 14,694 - - 14,694 10,757 7,276 - - 7,276 7,537 4,305 - - 4,305 3,648 248 - - 248 268 40,406 - - 40,406 37,877 16,294 - - 16,294 14,230 311,672 - - 311,672 305,827 |
|---|---|
Expenditure on charitable activities in the prior year was unrestricted.
8 Expenditure on: charitable activities (by activity)
| Provision of housing accommodation Beehive Day Centre |
Activities Support undertaken costs Total Funds directly (note 9) 2025 £ £ £ 215,274 48,127 263,401 39,451 8,820 48,271 254,725 56,947 311,672 |
|---|---|
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15
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
- 8 Expenditure on: charitable activities (by activity) ( continued )
| Provision of housing accommodation Beehive Day Centre 9 Support costs Bank charges Depreciation Governance costs Trustees training and development Auditor's fee Support costs in the prior year were unrestricted. 10 Net income/expenditure for the year This is stated after charging: Auditor's fee: Audit fee Other services Depreciation Trustees' and connected persons' remuneration Reimbursement of Trustees' expenses 11 Staff costs and numbers The aggregate payroll costs were: Wages and salaries Employer's pension |
Activities undertaken directly £ 224,585 28,867 253,452 Unrestricted Restricted Endowment Funds Funds Funds £ £ £ 248 - - 40,405 - - 2,625 - - 13,669 - - 56,947 - - |
Support costs Total Funds (note 9) 2024 £ £ 46,410 270,995 5,965 34,832 52,375 305,827 Total Funds Total Funds 2025 2024 £ £ 248 268 40,405 37,877 2,625 - 13,669 14,230 56,947 52,375 2025 2024 £ £ 9,600 10,560 4,069 3,670 40,406 37,877 - - - - 2025 2024 £ £ 82,260 75,129 5,777 9,258 88,037 84,387 |
|---|---|---|
The average weekly number of employees, based on headcount during the year, was 5 (2024: 5).
No employee received employment benefits of more than £60,000 in the current or preceding year.
The key management personnel of the charity includes the Trustees and the Clerk . The employment benefits paid to key management were £19,383 (2024: £17,647).
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16
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
| 12 Tangible fixed assets Cost At 1 April 2024 Additions Disposals At 31 March 2025 Depreciation At 1 April 2024 Charge for the year Elimination on disposal At 31 March 2025 Net book value At 31 March 2025 At 31 March 2024 Housing Properties |
Land & Buildings £ 2,270,000 - - 2,270,000 - - - - 2,270,000 2,270,000 |
Leasehold Plant & Improvements Machinery Total £ £ £ 152,207 543,911 2,966,118 12,820 36,158 48,978 - (265,937) (265,937) 165,027 314,132 2,749,159 38,878 429,955 468,833 16,355 24,051 40,406 - (265,937) (265,937) 55,233 188,069 243,302 109,794 126,063 2,505,857 113,329 113,956 2,497,285 Bristol & St John's Anchor House House Total £ £ £ 645,000 1,625,000 2,270,000 |
|---|---|---|
The properties were originally valued in April 2001 by Alder King, property consultants, on the basis of the open market value.
The properties have not been depreciated as the trustees consider that the depreciation would be immaterial on the basis of the properties', high intrinsic value. The properties have not been impaired in any respect.
The properties were revalued by RD Harrison of Alder King Property Consultants, an independent valuer, at 31st March 2021 on the basis of Fair Value.
The original cost of the properties was £1,542,462 and a social housing grant of £253,000 was received.
In the calculation of historical cost it has been assumed that one third of the value of the properties is attributable to land.
| Housing Stock The number of housing units in management at 31 March was: Housing accommodation for letting |
2025 2024 No. No. 22 22 |
|---|---|
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17
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
==> picture [463 x 620] intentionally omitted <==
----- Start of picture text -----
13 Fixed asset investments
2025 2024
Listed investments £ £
At 1 April 2024 967,142 919,718
Acquisitions at cost 245,485 239,859
Proceeds on disposal (248,013) (271,329)
Net gain/(loss) on revaluation 42,251 78,894
At 31 March 2025 1,006,865 967,142
Cash or cash equivalents 9,597 22,778
1,016,462 989,920
14 Debtors
2025 2024
£ £
Trade debtors 5,486 4,557
Prepayments 8,000 8,100
Other debtors 2,573 -
16,059 12,657
15 Creditors: amounts falling due within one year
2025 2024
£ £
Trade creditors 2,444 1,937
Accruals and deferred income 15,619 24,620
Other creditors 3,242 1,706
21,305 28,263
16 Movement in funds
At 01 April Gains / At 31 March
2024 Income Expenditure Transfers (losses) 2025
£ £ £ £ £
Endowment funds
Property Endowment Funds 1,106,387 - - - - 1,106,387
Parochial Charities 8,322 - - - (92) 8,230
Sermons Charity 2,309 - - - (108) 2,201
Margaret Tindall's Charity 214,602 - - - - 214,602
Bristol Archdeaconry Charities
Capital Sum 133,000 - - - - 133,000
Recoupment Fund 184,800 - - 8,800 - 193,600
1,649,420 - - 8,800 (200) 1,658,020
Restricted Funds
Extraordinary repair 21,889 - - - 1,520 23,409
21,889 - - - 1,520 23,409
Unrestricted Funds
General funds 1,097,968 335,737 (318,716) (308,800) 40,936 847,125
Cyclical maintenance fund - - - 300,000 - 300,000
Revaluation reserve 727,538 - - - - 727,538
1,825,506 335,737 (318,716) (8,800) 40,936 1,874,663
Total funds 3,496,815 335,737 (318,716) - 42,256 3,556,092
----- End of picture text -----
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18
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
16 Movement in funds ( continued )
Prior year comparatives
| Endowment funds Property Endowment Funds Parochial Charities Sermons Charity Margaret Tindall's Charity Bristol Archdeaconry Charities Capital Sum Recoupment fund Restricted Funds Extraordinary repair Unrestricted Funds General Funds Revaluation reserve Total funds |
At 01 April Gain and At 31 March 2023 Income Expenditure Transfers losses 2024 £ £ £ £ £ 1,106,387 - - - - 1,106,387 7,901 - - - 421 8,322 2,115 - - - 194 2,309 214,602 - - - - 214,602 133,000 - - - - 133,000 176,000 - - 8,800 - 184,800 1,640,005 - - 8,800 615 1,649,420 20,564 - - - 1,325 21,889 20,564 - - - 1,325 21,889 1,043,487 300,147 (313,820) (8,800) 76,954 1,097,968 727,538 - - - - 727,538 1,771,025 300,147 (313,820) (8,800) 76,954 1,825,506 3,431,594 300,147 (313,820) - 78,894 3,496,815 |
|---|---|
Description and purpose of funds
Unrestricted general funds
These funds are held for meeting the objectives of the charity, and to provide reserves for future activities and, subject to charity legislation, are free from all restrictions on their use.
Unrestricted revaluation reserve
This fund represents the unrestricted surplus arising on the revaluation of the charity's assets.
Cyclical maintenance fund
This fund represents maintenance and similar costs that recur in a multi-year cycle. Examples are 5 yearly re-painting of the doors, window and frames, approx. 8 year replacement of gas boilets in the flats, and 25 year replacement of kitchens, bathrooms and floor coverings. The fund was created as a result of a Stock Condition report in November 2024, identifying £330,000 of upcoming repairs and renewals over the following several years.
Extraordinary repair
The Extraordinary Repair Fund is a restricted income fund and is a requirement of the Charity Commission Scheme of 16 Nov 1998. The fund is to finance the "extraordinary repair, improvement or rebuilding of the almshouses and other
It is funded by 191 NAACIF Accumulation units, value £23,409 (2024: £21,889).
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19
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
16 Movement in funds (continued)
Property Endowment Funds
The Property Endowment Funds represent capital sums given to the charity and currently held in the form of Almshouse properties which facilitate the charity's ongoing work.
These funds originated from mergers of Ambrose Charity, Hill's Almshouses Charity, Whitson Street Almshouse Charity with the Bristol and Anchor Almshouse Charity, and a further capital grant from the Anchor Society.
Parochial Charities and the Sermons Charity Endowment Funds
These were received as investments in NAACIF and COIF units and the Trustees are currently investigating the nature and purpose of these funds in order to determine their future application.
Margaret Tindall's Charity Endowment Fund
In 2001 Margaret Tindall's Charity Endowment Fund was received as a portfolio of investments valued at £201,991.
Having been unable to separate the investment assets to determine the value of this fund over the years, the Trustees took advice and decided in June 2020 that it was reasonable to fix the value of the Margaret Tindall Charity fund at a value of £214,602, with the income being applied for the ongoing work of the charity. These funds remain part of the capital of the charity and only the income can be spent.
Bristol Archdeaconry charities
Capital sum endowment and Recoupment Fund
The Bristol Archdeaconry Charity capital sum is a commuted capital sum. Bristol & Anchor Almshouse charity was entitled to receive 20% of the income from the St John and St Peter Church Lands Charity. The Trustees of the Bristol Archdeaconry Charities, who administered the St John and St Peter Church Lands Charity, approached the Charity Commission, with a view to restricting the charity. As a result of this decision, Bristol & Anchor Almshouse charity received a commuted sum of £353,000.
£220,000 of the £353,000 capital sum was applied to repaying a mortgage taken out to build the 14 new Almshouse flats. The £220,000 capital sum is being recouped at £8,800 pa for 25 years via a Recoupment fund.
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20
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
17 Analysis of net assets between funds
| Unrestricted Funds General Funds Cyclical maintenance fund Revaluation reserve Restricted Funds Extraordinary repair Endowment funds Property Endowment Funds Parochial Charities Sermons Charity Margaret Tindall's Charity Bristol Archdeaconry Charities Capital Sum Recoupment fund Prior year comparatives Unrestricted Funds General Funds Revaluation reserve Restricted Funds Extraordinary repair Endowment funds Property Endowment Funds Parochial Charities Sermons Charity Margaret Tindall's Charity Bristol Archdeaconry Charities Capital Sum Recoupment fund |
Net Tangible current fixed assets Investments assets Total £ £ £ £ 671,932 441,420 (266,227) 847,125 - - 300,000 300,000 727,538 - - 727,538 - 23,409 - 23,409 1,106,387 - - 1,106,387 - 8,230 - 8,230 - 2,201 - 2,201 - 214,602 - 214,602 - 133,000 - 133,000 - 193,600 - 193,600 2,505,857 1,016,462 33,773 3,556,092 Net Tangible current fixed assets Investments assets Total £ £ £ £ 663,360 424,998 9,610 1,097,968 727,538 - - 727,538 - 21,889 - 21,889 1,106,387 - - 1,106,387 - 8,322 - 8,322 - 2,309 - 2,309 - 214,602 - 214,602 - 133,000 - 133,000 - 184,800 - 184,800 2,497,285 989,920 9,610 3,496,815 |
|---|---|
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21
BRISTOL AND ANCHOR ALMSHOUSE CHARITY NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 MARCH 2025
18 Prior year fund comparatives for the Statement of Financial Activities
| Income and endowments from: Donations and legacies Charitable activities Other trading activities Investments Total income Expenditure on: Raising funds Charitable activities Total expenditure Net gains/(losses) on investments Net income/(expenditure) Transfers between funds Net movement in funds Total funds at 1 April Total funds at 31 March |
Unrestricted Restricted Endowment Total Funds Funds Funds Funds 2024 £ £ £ £ 7,313 - - 7,313 271,908 - - 271,908 6,496 - - 6,496 14,430 - - 14,430 300,147 - - 300,147 7,993 - - 7,993 305,827 - - 305,827 313,820 - - 313,820 76,954 1,325 615 78,894 63,281 1,325 615 65,221 (8,800) - 8,800 - 54,481 1,325 9,415 65,221 1,771,025 20,564 1,640,005 3,431,594 1,825,506 21,889 1,649,420 3,496,815 |
|---|---|
19 Related party transactions
There are no related party transactions in the year (2024: nil).
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22
MANAGEMENT INFORMATION YEAR ENDED 31 MARCH 2025
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
The following page(s) do not form part of the statutory financial statements which are the subject of the independent auditor's report on pages 7 to 9.
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23
BRISTOL AND ANCHOR ALMSHOUSE CHARITY
ALMHOUSES AND BEEHIVE CENTRE INCOME AND EXPENDITURE
YEAR ENDED 31 MARCH 2025
| 2024-25 Actual | Almshouses | Beehive Centre | |
|---|---|---|---|
| WMC Income and Similar | |||
| Weekly Management Charges | 241,814 | 241,814 | - |
| Other Income | 10,802 | 4,786 | 6,016 |
| Total WMC Income and Similar | 252,616 | 246,600 | 6,016 |
| Beehive Events Income and Expenditure | |||
| Beehive income from events | 71,217 | - | 71,217 |
| Beehive cost of events | 28,294 | 2,588 | 23,118 |
| Net Beehive Income and Expenditure | 45,511 | (2,588) | 48,099 |
| Professional Fees and similar | |||
| Legal and Professional fees | 17,974 | 17,974 | - |
| Total Professional Fees and similar | 17,974 | 17,974 | - |
| Administrative Costs | |||
| Office Costs | |||
| Salaries, E'er NI, Pension | 88,038 | 36,713 | 51,325 |
| Staff Travel, Training, etc. | 7,141 | 6,704 | 437 |
| Fire, Perils, Liability Insurance | 8,769 | 5,685 | 3,084 |
| Office Costs - Phone, IT, etc. | 9,473 | 3,413 | 6,060 |
| Annual Subs - Almshouse Assn, etc | 4,316 | 1,719 | 2,597 |
| Total Office Costs | 117,737 | 54,234 | 63,503 |
| Buildings and Site Costs | - | ||
| Repairs & Renewals- Almshouses | 21,682 | 21,682 | - |
| Repairs & Renewals- Beehive | 7,572 | 7,572 | |
| Statutory compliance - H&S, etc. | 7,889 | 7,837 | 52 |
| Gas & Electricity | 35,077 | 22,059 | 13,018 |
| Income from Solar Panels | (5,058) | (5,058) | - |
| Security, Gardening, Cleaning, etc. | 31,020 | 18,837 | 12,183 |
| Rates, Water, Sewerage | 6,560 | 5,554 | 1,006 |
| Total Buildings and Site Costs | 104,742 | 70,911 | 33,831 |
| Bank Charges | 248 | 82 | 166 |
| Depreciation | 40,405 | 24,051 | 16,354 |
| Total Administrative Costs | 263,132 | 149,278 | 113,854 |
| Total Overheads | 281,106 | 167,252 | 113,854 |
| Gains/(Losses) on Investments | |||
| Gains/(Losses) on revaluation of | |||
| Quoted Investments | 42,256 | 42,256 | - |
| Surplus/(Deficit) for Period | 59,277 | 119,016 | (59,739) |
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24
Audit Trail
Document Details
| Title Financial Statements for the year ended 31 March 2025.pdf |
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|---|---|
| File Name Financial Statements for the year ended 31 March 2025.pdf |
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| Document ID 02bffd83f82345a2bab2a67153ba1900 |
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| Fingerprint 8caf3f6bdf4d9a5f5160fc7ca07ca1bf |
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| Status Completed Ld |
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| Document History | |
| Document Created Document Created by Burton Sweet (accounts@burton-sweet.co.uk) Fingerprint: 41519aa5b6e193b5dff73f359644542e |
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|---|---|---|
| Document Signed by Ed Marsh (ed.marsh@burton-sweet.co.uk) | ||
| IP: 185.249.213.98 | ||
| Document Signed | Jan 06 2026 10:23AM UTC |
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| Document | This document has been completed. | Jan 06 2026 |
| Completed | Fingerprint: 8caf3f6bdf4d9a5f5160fc7ca07ca1bf | 10:23AM UTC |