2025-03-31-accounts

Ros Harding Charitable Trust

Trustees’ Report and Accounts for the year ended 31 March 2025

Registered Charity Number 1087005

CONTENTS

	Page
Legal and administrative information	1
Report of the Trustees	2
Report of the independent examiner	4
Receipts and payments account	5
Statement of assets and liabilities	6
Note to the accounts	6

Ros Harding Charitable Trust Legal and administrative information

Trustees

Date of Appointment Date of Resignation

Mr J Cooper 12/03/2000 Mrs E Poore 08/07/2014 22/04/2024 Mr D Colpus 08/07/2014 Mrs A Cross 27/10/2023 Mrs R Roberts 22/04/2024 Mrs C Edwards 14/10/2024

Office

14 Kendall Avenue South Croydon Surrey CR2 0NH

Independent Examiner

Mr T.P. Goodchild FAIA 15 Oaklands Gardens Kenley Surrey CR8 5DS

Bankers

Barclays plc P O Box 95 North End Croydon Surrey CR9 1RN

Solicitors

Streeter Marshall 12 Purley Parade High Street Purley Surrey CR8 2AB

Investment Managers

Rathbone Investment Management Limited 8 Finsbury Circus London EC2M 7AZ

1

Ros Harding Charitable Trust Report of the Trustees for the year ended 31 March 2025

The Trustees present their report and the accounts for the charity for the year ended 31 March 2025.

Constitution, objects and public benefit

The Ros Harding Charitable Trust is constituted under the terms of the Will of the late Ros Harding dated 6 October 1992 and is a registered charity number 1087005.

The purpose of the charity is primarily to assist with the care of the elderly and the relief of distress or hardship caused by poverty amongst the elderly. It is also to propagate the Christian Gospel amongst young people. The Trust’s activities are focused on the districts of Purley, Coulsdon and Godstone.

The Trustees have had regard to the guidance issued by the Charity Commission on public benefit.

Organisation

The names of the trustees are set out on page 1. Trustees were appointed originally under the terms of the Will of Ros Harding. Further appointments are made, when a vacancy arises, by the trustees in office at that time. The trustees usually meet twice a year to assess grant applications and administer the Trust.

During the year the Trust continued to receive income from the Investment fund and has made grants to 33 different charities.

Grant making policy

The charity invites applications for funding from those who meet the grant criteria. Applications are considered against these criteria and major grants made are monitored by the Trustees.

Grants made during the year were as follows:

Abbeyfield - Sanderstead	1800
Addiscombe Neighbourhood Care Association	1800
Boston Rd BC	2000
Brighton Rd BC	4000
The Change Foundation	750
Contact Selsdon	2000
Croham Hurst Good Neighbours	2000
Croydon Hearing Resource Centre	1500
Croydon Neighbourhood Care	1000
Croydon Vision	1800
Crystal Oasis Luncheon Club	1800
Friends of the Elderly	700
Godstone BC	3500
New Addington BC	2115
Old Coulsdon Centre for the Retired	2000
Old Lodge Lane BC	2300
Purley and Coulsdon Clubs for the Elderly (PACE)	1900
Phoenix Retirement	500
Purley Baptist Church	2800
Queen Elizabeth Foundation	500
Sanderstead Neighbourhood Care/Young at Heart Club	1900
SE Cancer Help Centre	1200
Selsdon Centre for the Retired	1800

2

Ros Harding Charitable Trust Report of tho Trustees for the yoar ended 31 March 2025 - Continued Shirley Neighbourhood Care South Croydon Day Centre South NOTrVc￿ and Wocmtside Communty AssrKiakn"M FrKJay GrcAJp So¥Jth NotvKtsJ and Woodsth Communty AsscKiation Thursday Group St Christopher's Hospice, Sydenham St Georg8's Shidey St Mark's Church, South Norwo¢> The Ryan Neuro Th8rapy Centre Upper NoThYood Ass¢x4ation for Community Care Westbury CLxnmunity Project 15(Kl 15 58,245 Financial review and investment policy The charty received endowed funds of approximately £1.3m in June 2001 from the estate of Miss Ros Harding, following her death in November 1999. There are no restrictions on the charity's powers to invest. The investment strategy is set by the TrUst￿S in consultation with the investrnent rnanager, taking account of the recent demand for funds and the qualty of funding applications. The Trustees consider the income requirements, the risk profile and the investment managerfs view of market prospects in the medium term. This strategy is set wlthin an overall FK)licy bthich states that the fund should be invested in low and medium risk investments with a view to ensuring that exposure of capital value of the fund is restricted. The income received from the Investment fund is -0.4% less than last year. Slighlty more grants have been made to those in 202314 with the total being £58,245 and the average grant being £1,765. The trust pays grants directly out of the investment funds received and so it does not have to hold large reseNes. At year eThJ rt held £16.321 for cary forward to 2025126 David Colpus for and on behalf of the Trustees 207(

Independent ExamIne￿5 Report to the Trustees of Ros Hardlng Charltable Trust I report on the accounts of the Trust for the year ended 31 March 2025, which are set out on pages 5 and 6. Respective responslbllities of trustees and examlner The charity's trustees are responsible for the preparation of the accounts. The charity's trustees consider that an audit is not required for this year under section 144 of the Charities Act 2011 ('the Charities Act,) bul that an independent examination is needed. It is my ￿SpOnsIbl11ty to: . examine the accounts under section 145 of the Charities Act. ' follow the procedures laid down in the General Directions given by the Charity Commission under section 145(5)(b) of the Charities Act; and state whether particular matters have come to my attention. Basis of independent examlnerfs report My examination was caryied out in accordance with the general directions given by the Charity Commission. An examinab.on includes a review of the accounting records kept by the chanty and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts. and seeking explanations from you as trustees conceming any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as lo whether the accounts present a Irue and fair view and the report is limrted to those matters set out in the statement below. Independent examinerfs statement In connection wrth my examinab'on, no matter has come to my attention: 1. which gives me reasonable cause to belwe that in any material respect the requirements.. to keep accounts'ng records in accordance with section 130 of the Charities Act., and to prepare accounts which accord with the accounting records and comply wrth the accounting requirements of the Charities Act. have not been met; or 2. to which, in my opinion, attents'on should be drawn in order to enable a proper understanding of the accounts to be reached. Fellow of the Association of International Accountants 15 Oaklands Gardens Kenley Surrey CR8 SDS Date.. Iz~m4cev%bir 20 2

Ros Harding Charitable Trust Receipts and Payments Account for the year ended 31 March 2025

Year ended 31 March 2025 £ £ Receipts Interest income 5,783 Dividend income 54,038 Total Receipts 59,821 Payments Grants paid 58,245 Legal and professional costs 207 Total Payments 58,452 Net receipts / (payments) for the year 1,369 Balance brought forward 14,952 Balance carried forward 16,321	Year ended 31 March 2024 £ £ 4,988 55,074 60,062 55,102 3,814 58,916 1,146 13,806 14,952

All the receipts and payments during the period under review are unrestricted in nature.

5

Ros Hardlng Charltable Trust ststement of Assets and Llabllltles at 31 March 2025 Monetary assets 31 March 2026 31 March 2024 Bank current account 16,321 14,952 16,321 14,952 Fund Other Monetary Assets Permanent Endowment Loan (Secured) 184,091 184,091 Investment Assets Portfolio with Rathbone Investment Management Permanent Endowment 1,572,798 1,635,410 Note to the accounts 1. Basis of preparation The accounts have been prepared on the receipts and payments basis as permitted by section 133 of the Charities Act 2011. David Colpus for and on behalf of the Trustees Date.. 202<