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||Pages|
|---|---|
|**Reference and Administrative Details of the Company, its Trustees and Advisers**|**1**|
|**Trustees' Report**|**2 - 5**|
|**Independent Examiner's Report**|**6 - 7**|
|**Statement of Financial Activities**|**8**|
|**Balance Sheet**|**9-10**|
|**Notes to the Financial Statements**|**11-28**|





|**Trustees**|Andrew Mayhew, Chair|
|---|---|
||Maggie Porter, Vice Chair|
||Sarah Purbrook|
||Joy Williams, Band Secretary|
||Katherine Budgen, Treasurer|
||Amanda Mayhew|
||Corinne Rousham|
||Rosalyn Burrow|
||Robert Goodridge|
||Sally Hammond (Appointed 13 May 2025)|
|**Company registered**||
|**number**|05861490|
|**Charity registered**||
|**number**|1116233|
|**Registered office**|St Peter’s By the Waterfront|
||St Peter's Church|
||College Street|
||Ipswich|
||Suffolk|
||IP4 1BF|
|**Company secretary**|Julia Norman|
|**Independent examiner**|Scrutton Bland Limited|
||Chartered Accountants|
||Fitzroy House|
||Crown Street|
||Ipswich|
||Suffolk|
||IP1 3LG|
|**Bankers**|Lloyds Bank Pic|
||13 Cornhill|
||Ipswich|
||Suffolk|
||IP1 1DG|
|**Solicitors**|Kerseys Solicitors LLP|
||32 Lloyds Avenue|
||Ipswich|
||Suffolk|
||IP1 3HD|





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|||**Unrestricted**|**Restricted**|**Total**|Total|
|---|---|---|---|---|---|
|||**funds**|**funds**|**funds**|funds|
|||**2025**|**2025**|**2025**|2024|
||**Notes**|**£**|**£**|**£**|**£**|
|**Income from:**||||||
|Donations and legacies|3|**26,796**|**-**|**26,796**|28,985|
|Charitable activities|4|**43,767**|**-**|**43,767**|68,838|
|Other trading activities|5|**28,934**|**-**|**28,934**|22,016|
|Investments|6|**1,510**|**-**|**1,510**|1,857|
|**Total income**||**101,007**|**-**|**101,007**|121,696|
|**Expenditure on:**||||||
|Raising funds|7|**16,215**|**.**|**16,215**|38,004|
|Charitable activities|8|**82,998**|**4,347**|**87,345**|84,325|
|**Total expenditure**||**99,213**|**4,347**|**103,560**|122,329|
|**Net movement in funds**||**1,794**|**(4,347)**|**(2,553)**|(633)|
|**Reconciliation of funds:**||||||
|Total funds brought forward||**109,083**|**13,491**|**122,574**|123,207|
|Net movement in funds||**1,794**|**(4,347)**|**(2,553)**|(633)|
|**Total funds carried forward**||**110,877**|**9,144**|**120,021**|122,574|





## 

||||**2025**||2024|
|---|---|---|---|---|---|
||**Note**||**£**||**£**|
|**Fixed assets**||||||
|Tangible assets|13||**42,890**||52,839|
|Investments|14||**2**||2|
||||**42,892**||52,841|
|**Current assets**||||||
|Stocks|15|**2,043**||1,404||
|Debtors|16|**7,706**||5,756||
|Investments|17|**43,138**||41,805||
|Cash at bank and in hand||**56,983**||49,943||
|||**109,870**||98,908||
|**Current liabilities**||||||
|Creditors: amounts falling due within one||||||
|year|18|**(32,741)**||(29,175)||
|**Net current assets**|||**77,129**||69,733|
|**Total assets less current liabilities**|||**120,021**||122,574|
|**Net assets excluding pension asset**|||**120,021**||122,574|
|**Total net assets**|||**120,021**||122,574|
|**Charity funds**||||||
|Restricted funds|19||**9,144**||13,491|
|Unrestricted funds|19||**110,877**||109,083|
|**Total funds**|||**120,021**||122,574|





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||**Unrestricted**|**Restricted**|**Total**|Total|
|---|---|---|---|---|
||**funds**|**funds**|**funds**|funds|
||**2025**|**2025**|**2025**|2024|
||£|£|£|£|
|**Donations**|||||
|Donations|412|-|**412**|1,228|
|Christmas Carol Collections|7,554|-|**7,554**|7,535|
|Subscriptions|14,797|-|**14,797**|13,488|
|Gift Aid Receivable|4,033|-|**4,033**|3,771|
|**Grants**|||||
|Hobson Charity Grant|-|-|-|2,963|
|**Subtotal**|26,796|-|**26,796**|28,985|
||26,796|-|**26,796**|28,985|
|Total 2024|26,022|2,963|28,985||





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||**Unrestricted**|**Total**|Total|
|---|---|---|---|
||**funds**|**funds**|funds|
||**2025**|**2025**|2024|
||**£**|**£**|**£**|
|Income from charitable activities - Bands|8,228|**8,228**|34,356|
|Income from charitable activities - St Peter's bythe||||
|Waterfront|35,539|**35,539**|34,482|
||43,767|**43,767**|68,838|
|Total 2024|68,838|68,838||



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||**Unrestricted**|**Total**|Total|
|---|---|---|---|
||**funds**|**funds**|funds|
||**2025**|**2025**|2024|
||**£**|**£**|**£**|
|Sale of refreshments & instrument sundries|27,840|**27,840**|21,414|
|St Peter's Merchandise|523|**523**|257|
|Other|571|**571**|345|
||28,934|**28,934**|22,016|
|Total 2024|22,016|22,016||





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||**Unrestricted**|**Total**|Total|
|---|---|---|---|
||**funds**|**funds**|funds|
||**2025**|**2025**|2024|
||£|£|£|
|Interest receivable|1,510|**1,510**|1,857|
|Total 2024|1,857|1,857||



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||**Unrestricted**|**Total**|Total|
|---|---|---|---|
||**funds**|**funds**|funds|
||**2025**|**2025**|2024|
||£|£|£|
|Drinks & instrument sundries|9,912|**9,912**|7,767|
|Fundraising costs|773|**773**|698|
|St Peter's merchandise|1,523|**1,523**|339|
|Cost of St Peter's events|2,743|**2,743**|2,750|
|Tour supplier payments|-|-|464|
|Library Sundry and Maintenance|-|-|217|
|Cost of Band tour|-|-|24,435|
|Other voluntary income cost - St Peter's|1,024|**1,024**|1,102|
|Website Hosting|240|**240**|232|
||16,215|**16,215**|38,004|
|Total 2024|38,004|38,004||





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||**Unrestricted**|**Restricted**|||
|---|---|---|---|---|
||**funds**|**funds**|**Total**|Total|
||**2025**|**2025**|**2025**|2024|
||**£**|**£**|**£**|**£**|
|Bands|38,101|250|**38,351**|41,697|
|St Peter's by the Waterfront|44,897|4,097|**48,994**|42,628|
|**Total 2025**|82,998|4,347|**87,345**|84,325|
|Total 2024|79,190|5,135|84,325||



## 

||**Staff costs **|**Depreciation**|**Other costs**|**Total**|Total|
|---|---|---|---|---|---|
||**2025**|**2025**|**2025**|**2025**|2024|
||**£**|**£**|**£**|**£**|**£**|
|Bands|872|509|36,970|**38,351**|41,697|
|St Peter's by the Waterfront|4,988|10,481|33,525|**48,994**|42,628|
||5,860|10,990|70,495|**87,345**|84,325|
|Total 2024|5,138|10,818|68,369|84,325||





## 

||**Activities**||||
|---|---|---|---|---|
||**undertaken**|**Support**|**Total**|Total|
||**directly**|**costs**|**funds**|funds|
||**2025**|**2025**|**2025**|2024|
||**£**|**£**|**£**|**£**|
|Bands|38,351|-|**38,351**|41,697|
|St Peter's by the Waterfront|48,994|-|**48,994**|42,628|
||87,345|**-**|**87,345**|84,325|
|Total 2024|83,755|570|84,325||





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|||**St Peter's**|||
|---|---|---|---|---|
|||**by the**|**Total**|Total|
||**Bands**|**Waterfront**|**funds**|funds|
||**2025**|**2025**|**2025**|2024|
||£|£|£|£|
|Staff costs|-|4,988|**4,988**|4,248|
|Depreciation|509|10,481|**10,990**|10,818|
|Musical Director's remuneration|7,290|-|**7,290**|6,611|
|Insurance|1,441|2,066|**3,507**|3,136|
|Music & library|97|-|**97**|298|
|Instrument repairs & maintenance|377|82|**459**|441|
|Equipment repairs & maintenance|-|5,197|**5,197**|2,151|
|Engagement & rehearsal expenses|12,226|-|**12,226**|12,340|
|Uniform|-|-|-|3,881|
|Donations|5,082|-|**5,082**|5,656|
|Subscriptions|528|53|**581**|593|
|Postage & stationery|85|247|**332**|165|
|Photocopier rental & maintenance|1,676|186|**1,862**|2,133|
|Telephone|-|851|**851**|822|
|Heat & light|-|11,101|**11,101**|9,203|
|Rent|-|4,773|**4,773**|4,773|
|Rates|-|1,473|**1,473**|1,131|
|Refuse|-|1,289|**1,289**|1,215|
|Cleaning & security|-|5,860|**5,860**|4,859|
|Computer expenses|-|347|**347**|113|
|Loss on disposal of fixed assets|-|-|-|748|
|Governance costs (Note 10)|9,040|-|**9,040**|8,420|
|**Total 2025**|38,351|48,994|**87,345**|83,755|
|Total 2024|41,697|42,058|83,755||





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||**Unrestricted**|**Total**|Total|
|---|---|---|---|
||**funds**|**funds**|funds|
||**2025**|**2025**|2024|
||£|£|£|
|Independent examiner's fees|2,640|**2,640**|2,612|
|Other accountancy fees|2,642|**2,642**|2,623|
|Premises licence|180|**180**|180|
|Other administrative costs|1,232|**1,232**|800|
|Bank charges|1,474|**1,474**|1,315|
|Bookkeeper's wages|872|**872**|890|
||9,040|**9,040**|8,420|



||**2025**|2024|
|---|---|---|
||£|£|
|Wages and salaries|**5,860**|5,138|



||**2025**|2024|
|---|---|---|
||**No.**|No.|
|St Peter's by the Waterfront|**1**|1|
|Governance|**1**|1|
||**2**|2|





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||**Fixtures and**|**and**||
|---|---|---|---|
||**fittings**|**equipment**|**Total**|
||£|£|£|
|**Cost**||||
|At 1 November 2024|**155,787**|**31,307**|**187,094**|
|Additions|**1,044**|-|**1,044**|
|At 31 October 2025|**156,831**|**31,307**|**188,138**|
|**Depreciation**||||
|At 1 November 2024|**109,267**|**24,988**|**134,255**|
|Charge for the year|**8,906**|**2,087**|**10,993**|
|At 31 October 2025|**118,173**|**27,075**|**145,248**|
|**Net book value**||||
|At 31 October 2025|**38,658**|**4,232**|**42,890**|
|At 31 October 2024|46,520|6,319|52,839|





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||**Investments**|
|---|---|
||**in**|
||**subsidiary**|
||**undertaking**|
||£|
|**Cost or valuation**||
|At 1 November 2024|2|
|At 31 October 2025||
||2|



## 

|As at 31 October 2025 the following was a subsidiary undertaking of the Charity:|As at 31 October 2025 the following was a subsidiary undertaking of the Charity:|As at 31 October 2025 the following was a subsidiary undertaking of the Charity:||
|---|---|---|---|
|**Name**|**Registered office**|**Principal activity **|**Class of Holding**|
||||**shares**|
|St Peter's ByThe Waterfront St Peter’s by the Waterfront, Dormant|||Ordinary 100%|
|Limited|St Peter’s Church,|||
||College Street,|||
||Ipswich IP4 1BF|||



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||**2025**|2024|
|---|---|---|
||£|£|
|Finished goods and goods for resale|**2,043**|1,404|





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||**2025**|2024|
|---|---|---|
||**£**|**£**|
|**Due within one year**|||
|Trade debtors|**3,371**|1,737|
|Other debtors|**714**|151|
|Prepayments and accrued income|**3,621**|3,868|
||**7,706**|5,756|



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||**2025**|2024|
|---|---|---|
||**£**|**£**|
|Cash held on deposit|**43,138**|41,805|



## 

||**2025**|2024|
|---|---|---|
||**£**|**£**|
|Trade creditors|**6,292**|2,565|
|Other creditors|**2,478**|1,907|
|Accruals and deferred income|**23,971**|24,703|
||**32,741**|29,175|





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||**Balance at 1**||||**Balance at**|
|---|---|---|---|---|---|
||**November**|||**Transfers**|**31 October**|
||**2024**|**Income**|**Expenditure**|**in/out**|**2025**|
||**£**|**£**|**£**|**£**|**£**|
|**Unrestricted funds**||||||
|**Designated funds**||||||
|Equipment replacement fund|**8,000**|**-**|**-**|**-**|**8,000**|
|St Peter's bythe Waterfront|**33,332**|**67,666**|**(58,357)**|**-**|**42,641**|
|Other fixed assets|**39,346**|**-**|**(6,643)**|**1,044**|**33,747**|
||**80,678**|**67,666**|**(65,000)**|**1,044**|**84,388**|
|**General funds**||||||
|General Funds - all funds|**28,405**|**33,341**|**(34,213)**|**(1,044)**|**26,489**|
|**Total Unrestricted funds**|**109,083**|**101,007**|**(99,213)**|**-**|**110,877**|
|**Restricted funds**||||||
|St Peter’s project|**13,491**|**-**|**(4,347)**|**-**|**9,144**|
|**Total of funds**|**122,574**|**101,007**|**(103,560)**||**120,021**|





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||Balance at||||Balance at|
|---|---|---|---|---|---|
||1 November|||Transfers|31 October|
||2023|Income|Expenditure|in/out|2024|
||£|£|£|£|£|
|**Unrestricted funds**||||||
|**Designated funds**||||||
|Equipment replacement fund|8,000||||8,000|
|St Peter's by the Waterfront|20,199|62,066|(48,933)||33,332|
|Other fixed assets|40,325||(6,183)|5,204|39,346|
||68,524|62,066|(55,116)|5,204|80,678|
|**General funds**||||||
|Band|33,350|56,667|(62,078)|466|28,405|
|**Total Unrestricted funds**|101,874|118,733|(117,194)|5,670|109,083|
|**Restricted funds**||||||
|St Peter’s project|21,293|2,963|(5,095)|(5,670)|13,491|
|Other|40||(40)|||
||21,333|2,963|(5,135)|(5,670)|13,491|
|**Total of funds**|123,207|121,696|(122,329)||122,574|





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||**Balance at 1**||||**Balance at**|
|---|---|---|---|---|---|
||**November**|||**Transfers**|**31 October**|
||**2024**|**Income**|**Expenditure**|**in/out**|**2025**|
||**£**|**£**|**£**|**£**|**£**|
|Designated funds|**80,678**|**67,666**|**(65,000)**|**1,044**|**84,388**|
|General funds|**28,405**|**33,341**|**(34,213)**|**(1,044)**|**26,489**|
|Restricted funds|**13,491**|**-**|**(4,347)**|-|**9,144**|
||**122,574**|**101,007**|**(103,560)**||**120,021**|
|**Summary of funds - prior year**||||||
||Balance at||||Balance at|
||1 November|||Transfers|31 October|
||2023|Income|Expenditure|in/out|2024|
||**£**|**£**|**£**|**£**|**£**|
|Designated funds|68,524|62,066|(55,116)|5,204|80,678|
|General funds|33,350|56,667|(62,078)|466|28,405|
|Restricted funds|21,333|2,963|(5,135)|(5,670)|13,491|
||123,207|121,696|(122,329)||122,574|



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||**Unrestricted**|**Restricted**|**Total**|
|---|---|---|---|
||**funds**|**funds**|**funds**|
||**2025**|**2025**|**2025**|
||**£**|**£**|**£**|
|Tangible fixed assets|33,746|9,144|**42,890**|
|Fixed asset investments|2|-|**2**|
|Current assets|109,870|-|**109,870**|
|Creditors due within one year|(32,741)|**-**|**(32,741)**|
|**Total**|110,877|9,144|**120,021**|



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||Unrestricted|Restricted|Total|
|---|---|---|---|
||funds|funds|funds|
||2024|2024|2024|
||£|£|£|
|Tangible fixed assets|39,348|13,491|52,839|
|Fixed asset investments|2|-|2|
|Current assets|98,908|-|98,908|
|Creditors due within one year|(29,175)|-|(29,175)|
|**Ttl**|109,083|13,491|122,574|



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||**2025**|2024|
|---|---|---|
||£|£|
|Not later than 1 year|**4,773**|4,773|
|Later than 1 year and not later than 5 years|**19,092**|19,092|
|Later than 5 years|**30,629**|35,403|
||**54,494**|59,268|