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2024-12-31-accounts

The Goodman and Ruthin Charity

Registered in England and Wales as a Private Limited Company, Registration No. 6598915 Registered by the Charity Commission as Charity No 1126422

Llys Goodman, Church Walks, Ruthin, Denbighshire, LL15 1BW Tel. : 01824 705241/703653 e-mail : goodmanruthincharity@gmail.com

Chair of Trustees report 2024/25

Chair Rev Luke Bristowe

Residents

A number of vacancies have occurred throughout the year and the appointments committee met and interviewed a number of candidates on two occasions. On both occasions the trustees were able to offer residency to prospective candidates. These candidates have now taken up their residency meaning that the Alms Houses has maintained full occupancy all year, which is excellent.

There is still a waiting list of potential new residents and frequent enquiries on becoming a resident are received

A number of minor complaints have been handled well internally by Dawn, Neill and the team.

Property and Estates

The community room continues to be used by external groups, and efforts to increase the number of regular bookings has been relatively successful. There is still capacity for greater usage and other avenues could be explored.

Best construction has been appointed to carry out the large scale works to the Almshouses in line with Quinquennial inspections. The start date for the work has not been set yet due to the delays within the local authority planning department.

The current care call system has reached the end of its life but is still operational, it may not work with the new national digital phone network and it was felt previously that there may be more modern options available, options to replace this system are still being looked into and costed up.

Asbestos surveys have been completed in all areas and an asbestos management plan is in place and has been utilised.

Legionella testing and a formal risk assessment has been completed as per national guidance.

PAT testing of all portable electrical appliances has taken place.

The damp work to property number 2 has been completed. The resident remained in the property throughout the work, which was their own decision during this time, this has caused some issues but was managed well by staff.

A process to try and understand the Llanberis estate in more detail has been implemented over the course of the year and work is still ongoing in this area.

Apprenticeship fund

This area remains within the objects of the charity and efforts to increase the number of applications over the course of the year have yielded one application, a young person at Ysgol Brynhyfyd. It is hoped that word will spread following one successful application and more might come in over the course of the next few months.

Staff and Trustees

Zoe Henderson has joined the board of trustees and will lead a SWOT analysis of the charity with a small group of trustees.

Beth Spratt was appointed to an administrative role working 4 hours per week to assist Neill with administrative tasks and to seek to re-organise the office arrangements to make it more efficient and fit for the future.

The trustees agreed to pay rise of 2.5% for all employees as of 1.4.2025, this rise is affordable for the charity whilst also ensuring that some staffs pay is ahead of national minimum wage levels.

Governance

The trustees have met over the course of the year a number of times outside of the regular trustee meetings to think strategically about the future of the Almshouses, and the charity in general. Led by Zoe these meetings have been fruitful and have a allowed a wide range of critical discussion to take place. Whilst the future is still not clear, a small group has begun to look in more detail with a hope to putting a strategy for the future forward to the board of trustees.

Finance

The financial outlook for the charity is positive in amongst rising costs. situation has been especially challenging this year. Both long-term financial investments are performing better than expected and deals to ensure that gas & electric costs occurred to the charity are still in place to ensure the lowest possible costs.

The costs from weekly maintenance and service charges to residents was increased and residents were assisted in amending their claims for housing benefit. It is believed that the current costs are affordable for every current resident.

The medium and long term financially sustainable position of the charity is still a concern and the small group looking strategically at the future of the charity are looking into this matter.

Rev Luke Bristowe Chair of the trustees 31[st] March 2025

REGISTERED COMPANY NUMBER: 06598915 (England and Wales) REGISTERED CHARITY NUMBER: 1126422

Report of the Trustees and

Unaudited Financial Statements

for the Year Ended 31 December 2024

for

The Goodman And Ruthin Charity

Salisbury & Company Chartered Accountants Irish Square Upper Denbigh Road St Asaph Denbighshire LL17 0RN

The Goodman And Ruthin Charity

Contents of the Financial Statements for the year ended 31 December 2024

Page
Report of the Trustees 1 to 2
Independent Examiner's Report 3
Statement of Financial Activities 4
Balance Sheet 5 to 6
Notes to the Financial Statements 7 to 13
Detailed Statement of Financial Activities 14 to 15

The Goodman And Ruthin Charity

Report of the Trustees for the year ended 31 December 2024

The trustees who are also directors of the charity for the purposes of the Companies Act 2006, present their report with the financial statements of the charity for the year ended 31 December 2024. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

OBJECTIVES AND ACTIVITIES

Objectives and aims

The Charity’s principal object is to provide housing accommodation for persons in need. Subsidiary objects are to promote education and training for employment of young persons and to provide relief in need.

Significant activities

Under the uniting direction issued by the Charity Commission the company is the corporate trustee of The Goodman and Ruthin Charity (Charity reference 215985), which holds the permanent endowment. The non permanent endowment assets of The Goodman and Ruthin Charity were transferred to the company on 31 December 2008.

Public benefit

The charity is registered with the Welsh Assembly Government as a Social landlord. We own and manage 22 dwellings, known as the Church Walks Almshouses, which provide independent living for elderly and other persons in need. With the assistance of a resident Superintendent inhabitants are able to live independently in a safe and caring environment.

FINANCIAL REVIEW

Financial position

The charity benefits from endowment funds which are invested in recognized charity funds in particular as income shares in the National Association of Almshouses Common Investment Fund (NAACIF) which provides a regular income.

Almshouse residents pay a Weekly Maintenance Contribution and a Heating Charge towards the running costs of their house. These are reviewed annually and kept as low as possible with the proviso that, in conjunction with endowment income, sufficient finance is available to maintain the almshouse property and provide for future improvements.

Any surplus is invested in an Extraordinary Repairs Fund, also with NAACIF, which can be drawn upon to fund long term improvements.

Reserves policy

The investments have been acquired from past reserves and contribute a steady income that helps subsidise the charity’s activities.

The trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the charity, and are satisfied that systems are in place to mitigate our exposure to the major risks.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity became a company limited by guarantee on 21st May 2008. It is governed by the Memorandum and Articles of Association of the company and by a Charity Commission Scheme dated 7th November 2008, which replaced existing trusts, and authorises the company to administer and manage its property.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Company number

06598915 (England and Wales)

Registered Charity number

1126422

Registered office

Llys Goodman Church Walks Ruthin Denbighshire LL15 1BW

Page 1

The Goodman And Ruthin Charity

Report of the Trustees for the year ended 31 December 2024

Trustees

Ex-Officio Trustees

The Dean of St Asaph, The Very Reverend Nigel Williams The Bishop of St Asaph, The Reverend Gregory Cameron

Co-opted Trustees

Rev Luke Bristowe (Chairman) Lady Susan Hudson (resigned October 2024) Miss Morfudd Jones Mr Nicholas Snape Mr Gwynne Jones Father Huw Bryant Dr Richard Barrie Mr Martin Goldstein Mrs Zoe Henderson (appointed July 2024)

Company Secretary

Mr N J Anderson

Independent Examiner

Salisbury & Company Chartered Accountants Irish Square Upper Denbigh Road St Asaph Denbighshire LL17 0RN

Bankers

HSBC St Peter's Square Ruthin LL15 1AB

Approved by order of the board of trustees on 8 April 2025 and signed on its behalf by:

Reverand L Bristowe - Trustee

Page 2

Independent Examiner's Report to the Trustees of The Goodman And Ruthin Charity

Independent examiner's report to the trustees of The Goodman And Ruthin Charity ('the Company')

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

Responsibilities and basis of report

As the charity's trustees of the Company (and also its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').

Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts as carried out under Section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the 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:

  1. accounting records were not kept in respect of the Company as required by Section 386 of the 2006 Act; or 2. the accounts do not accord with those records; or

  2. the accounts do not comply with the accounting requirements of Section 396 of the 2006 Act 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; or

  3. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities (applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)).

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.

Jason Matischok FMAAT FCA

Salisbury & Company Chartered Accountants Irish Square Upper Denbigh Road St Asaph Denbighshire LL17 0RN

8 April 2025

Page 3

The Goodman And Ruthin Charity

Statement of Financial Activities for the year ended 31 December 2024

Notes
INCOME AND ENDOWMENTS FROM
Other trading activities
2
Investment income
3
Other income
Total
EXPENDITURE ON
Charitable activities
Social Housing
Net gains on investments
NET INCOME
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
Unrestricted
funds
£
128,838
51,546
17,600
197,984
134,539
25,954
89,399
963,877
1,053,276
Endowment
funds
£
-
-
-
-
-
24,891
24,891
728,304
753,195
2024
Total
funds
£
128,838
51,546
17,600
197,984
134,539
50,845
114,290
1,692,181
1,806,471
2023
Total
funds
£
116,027
48,310
-
164,337
137,070
30,659
57,926
1,634,255
1,692,181

The notes form part of these financial statements

Page 4

The Goodman And Ruthin Charity

Balance Sheet 31 December 2024

Notes
FIXED ASSETS
Tangible assets
8
Investments
9
CURRENT ASSETS
Debtors
10
Investments
11
Cash at bank and in hand
CREDITORS
Amounts falling due within one year
12
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT LIABILITIES
CREDITORS
Amounts falling due after more than one year
13
NET ASSETS
FUNDS
15
Unrestricted funds
Endowment funds
TOTAL FUNDS
Unrestricted
funds
£
377,919
605,659
983,578
17,800
5,950
78,045
101,795
(5,109)
96,686
1,080,264
(26,988)
1,053,276
Endowment
funds
£
-
753,195
753,195
-
-
-
-
-
-
753,195
-
753,195
2024
Total
funds
£
377,919
1,358,854
1,736,773
17,800
5,950
78,045
101,795
(5,109)
96,686
1,833,459
(26,988)
1,806,471
1,053,276
753,195
1,806,471
2023
Total
funds
£
377,974
1,288,997
1,666,971
534
5,950
51,822
58,306
(5,705)
52,601
1,719,572
(27,391)
1,692,181
963,877
728,304
1,692,181

The charitable company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 December 2024.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 December 2024 in accordance with Section 476 of the Companies Act 2006.

The trustees acknowledge their responsibilities for

The notes form part of these financial statements

Page 5

continued...

The Goodman And Ruthin Charity

Balance Sheet - continued 31 December 2024

These financial statements have been prepared in accordance with the provisions applicable to charitable companies subject to the small companies regime.

The financial statements were approved by the Board of Trustees and authorised for issue on 8 April 2025 and were signed on its behalf by:

Reverand L Bristowe - Trustee

The notes form part of these financial statements

Page 6

The Goodman And Ruthin Charity

Notes to the Financial Statements for the year ended 31 December 2024

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Companies Act 2006. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value.

The financial statements are also prepared in accordance with the Statement of Recommended Practice For Registered Social Housing Providers 2018, and the Accounting Requirements for Registered Social Landlords General Determination (Wales) 2015.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Income from rents and room hire is recognised on the basis of premises occupancy.

Income from investments is recognised upon notification from the 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 a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Freehold property - not provided Fixtures and fittings - 33% on cost, 20% on cost and 10% on cost

Housing land and buildings

Housing properties are held for the provision of social benefit housing and are stated at cost. The development costs of housing properties include the following:

(i) Development expenditure

(ii) Interest charged on the mortgage loans raised to finance the scheme.

It is considered that housing accommodation is maintained to a high standard through a continuing programme of refurbishment and maintenance. Consequently the lives of properties and their residual values are such that any depreciation charge would be immaterial. The expenditure on repairs and maintenance is recognised as expenditure in the year which it is incurred.

Taxation

The charity is exempt from corporation tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives 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.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Pension costs and other post-retirement benefits

The charitable company operates a defined contribution pension scheme. Contributions payable to the charitable company's pension scheme are charged to the Statement of Financial Activities in the period to which they relate.

Page 7

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

1. ACCOUNTING POLICIES - continued

Social housing grants

Social Housing Grants paid as a contribution towards the capital costs of housing schemes are recognised against the cost of property.

Investments

Investments are stated at market value.

Debtors

Debtors are recognised at fair value and stated at amortised cost using the effective interest method, less impairment losses for bad and doubtful debts except where the effect of discounting would be immaterial. In such cases, the receivables are stated at cost less impairment losses for bad and doubtful debts.

Cash and cash equivalents

Cash and cash equivalents comprise cash at banks and in hand, demand deposits with banks and bank overdrafts. In the statement of financial position, bank overdrafts are shown within borrowings or current liabilities.

Trade and other creditors

Trade and other creditors are initially recognised at fair value and there after stated at amortised cost using the effective interest method unless the effect of discounting would be immaterial in which case they are stated at cost.

Mortgages

The mortgage loan has been advanced by Housing for Wales.

2. OTHER TRADING ACTIVITIES

3.

Income from Wayleave
Income from Room Lettings
Weekly Maintenance Charges
INVESTMENT INCOME
Income from listed investments
Bank interest
2024
£
764
1,660
126,414
128,838
2024
£
51,067
479
51,546
2023
£
983
1,677
113,367
2023
£
983
1,677
113,367
116,027
2023
£
47,914
396
48,310

4. NET INCOME/(EXPENDITURE)

Net income/(expenditure) is stated after charging/(crediting):

2024 2023
£ £
Depreciation - owned assets 55 64
Surplus on disposal of fixed assets (17,600) -

Page 8

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

5. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 December 2024 nor for the year ended 31 December 2023.

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 December 2024 nor for the year ended 31 December 2023.

6. STAFF COSTS

The average monthly number of employees during the year was as follows:

Clerk
Wardens
Admin
2024
1
2
1
4
2023
1
3
-
4

No employees received emoluments in excess of £60,000.

7.

COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

INCOME AND ENDOWMENTS FROM
Other trading activities
Investment income
Total
EXPENDITURE ON
Charitable activities
Social Housing
Net gains on investments
NET INCOME
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
Unrestricted
funds
£
116,026
48,310
164,336
137,070
15,245
42,511
921,366
963,877
Endowment
funds
£
1
-
1
-
15,414
15,415
712,889
728,304
Total
funds
£
116,027
48,310
164,337
137,070
30,659
57,926
1,634,255
1,692,181

Page 9

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

8. TANGIBLE FIXED ASSETS

COST
At 1 January 2024 and 31 December 2024
DEPRECIATION
At 1 January 2024
Charge for year
At 31 December 2024
NET BOOK VALUE
At 31 December 2024
At 31 December 2023
9.
FIXED ASSET INVESTMENTS
MARKET VALUE
At 1 January 2024
Change in market value
Income accrued
At 31 December 2024
NET BOOK VALUE
At 31 December 2024
At 31 December 2023
All investments are listed and managed by an external investment
outside the UK.
10.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Prepayments and accrued income
Prepayments
Freehold
property
£
377,620
11
-
11
377,609
377,609
manager. There
Fixtures
and
fittings
Totals
£
£
26,307
403,927
25,942
25,953
55
55
25,997
26,008
310
377,919
365
377,974
Listed
investments
£
1,288,997
50,845
19,012
1,358,854
1,358,854
1,288,997
were no investment asse
2024
2023
£
£
17,600
-
200
534
17,800
534

All investments are listed and managed by an external investment manager. There were no investment assets outside the UK.

Page 10

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

11.
CURRENT ASSET INVESTMENTS
2024
2023
£
£
COIF Deposit Account
5,950
5,950
12.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2024
2023
£
£
Social security and other taxes
2,785
1,611
Accrued expenses
2,324
4,094
5,109
5,705
13.
CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
2024
2023
£
£
Other loans (see note 14)
26,988
27,391
14.
LOANS
An analysis of the maturity of loans is given below:
2024
2023
£
£
Amounts falling due in more than five years:
Repayable by instalments:
Housing for Wales
26,988
27,391
Advanced by Housing for Wales to finance the development of Housing buildings, repayable by instalments over
years from 1st May 1983.
The loan is secured by a fixed charge over the property.
15.
MOVEMENT IN FUNDS
Net
movement
At
At 1/1/24
in funds
31/12/24
£
£
£
Unrestricted funds
Revenue Reserve
933,268
44,433
977,701
Investment Revaluation Reserve
30,609
44,966
75,575
963,877
89,399
1,053,276
Endowment funds
Investment Revaluation Reserve
482,970
24,891
507,861
Capital Reserve
245,334
-
245,334
728,304
24,891
753,195
TOTAL FUNDS
1,692,181
114,290
1,806,471
2023
£
5,950
2023
£
1,611
4,094
5,705
2023
£
27,391
2023
£
1,611
4,094
5,705
1,053,276
507,861
245,334
753,195
1,806,471

Advanced by Housing for Wales to finance the development of Housing buildings, repayable by instalments over 60 years from 1st May 1983.

Page 11

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

15. MOVEMENT IN FUNDS - continued

Net movement in funds, included in the above are as follows:

Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
TOTAL FUNDS
Comparatives for movement in funds
Incoming
resources
£
178,972
19,012
197,984
-
197,984
Resources
expended
£
(134,539)
-
(134,539)
-
(134,539)
Gains and
Movement
losses
in funds
£
£
-
44,433
25,954
44,966
25,954
89,399
24,891
24,891
50,845
114,290
Gains and
Movement
losses
in funds
£
£
-
44,433
25,954
44,966
25,954
89,399
24,891
24,891
50,845
114,290
89,399
24,891
114,290
Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
Capital Reserve
TOTAL FUNDS
At 1/1/23
£
776,850
144,516
921,366
467,555
245,334
712,889
1,634,255
Net
movement
in funds
£
9,428
33,083
42,511
15,415
-
15,415
57,926
At
31/12/23
£
786,278
177,599
963,877
482,970
245,334
728,304
1,692,181

Comparative net movement in funds, included in the above are as follows:

Incoming Resources Gains and Movement
resources expended losses in funds
£ £ £ £
Unrestricted funds
Revenue Reserve 146,498 (137,070) - 9,428
Investment Revaluation Reserve 17,838 - 15,245 33,083
164,336 (137,070) 15,245 42,511
Endowment funds
Investment Revaluation Reserve 1 - 15,414 15,415
TOTAL FUNDS 164,337 (137,070) 30,659 57,926

Page 12

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

15. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined position is as follows:

Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
Capital Reserve
TOTAL FUNDS
At 1/1/23
£
776,850
144,516
921,366
467,555
245,334
712,889
1,634,255
Net
movement
in funds
£
53,861
78,049
131,910
40,306
-
40,306
172,216
At
31/12/24
£
830,711
222,565
1,053,276
507,861
245,334
753,195
1,806,471

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
TOTAL FUNDS
Incoming
resources
£
325,470
36,850
362,320
1
362,321
Resources
expended
£
(271,609)
-
(271,609)
-
(271,609)
Gains and
Movement
losses
in funds
£
£
-
53,861
41,199
78,049
41,199
131,910
40,305
40,306
81,504
172,216
Gains and
Movement
losses
in funds
£
£
-
53,861
41,199
78,049
41,199
131,910
40,305
40,306
81,504
172,216
131,910
40,306
172,216

16. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 31 December 2024.

Page 13

The Goodman And Ruthin Charity

Detailed Statement of Financial Activities for the year ended 31 December 2024

INCOME AND ENDOWMENTS
Other trading activities
Income from Wayleave
Income from Room Lettings
Weekly Maintenance Charges
Investment income
Income from listed investments
Bank interest
Other income
Gain on sale of heritage assets
Total incoming resources
EXPENDITURE
Charitable activities
Wages
Pensions
Rates and water
Insurance
Light and heat
Office expenses
Garden maintenance
General repairs
Cyclical repairs
Extraordinary repairs
Care alarm monitoring
Residents amenities
Cleaning
Charitable donations
Other
Depreciation of tangible fixed assets
Mortgage
Support costs
Finance
Bank charges
Governance costs
Accountancy
Consultancy
2024
£
764
1,660
126,414
128,838
51,067
479
51,546
17,600
197,984
59,392
1,323
4,706
1,926
25,620
5,056
2,358
4,254
2,950
8,158
6,350
291
485
-
493
55
3,173
126,590
71
1,453
6,425
7,878
2023
£
983
1,677
113,367
116,027
47,914
396
48,310
-
164,337
58,920
1,391
3,850
1,948
38,700
4,018
2,550
4,469
1,978
400
3,775
(482)
620
150
785
64
3,216
126,352
75
1,983
8,660
10,643

This page does not form part of the statutory financial statements

Page 14

The Goodman And Ruthin Charity

Detailed Statement of Financial Activities
for the year ended 31 December 2024
Total resources expended
Net income
2024
£
134,539
63,445
2023
£
137,070
27,267

This page does not form part of the statutory financial statements

Page 15

REGISTERED COMPANY NUMBER: 06598915 (England and Wales) REGISTERED CHARITY NUMBER: 1126422

Report of the Trustees and

Unaudited Financial Statements

for the Year Ended 31 December 2024

for

The Goodman And Ruthin Charity

Salisbury & Company Chartered Accountants Irish Square Upper Denbigh Road St Asaph Denbighshire LL17 0RN

The Goodman And Ruthin Charity

Contents of the Financial Statements for the year ended 31 December 2024

Page
Report of the Trustees 1 to 2
Independent Examiner's Report 3
Statement of Financial Activities 4
Balance Sheet 5 to 6
Notes to the Financial Statements 7 to 13
Detailed Statement of Financial Activities 14 to 15

The Goodman And Ruthin Charity

Report of the Trustees for the year ended 31 December 2024

The trustees who are also directors of the charity for the purposes of the Companies Act 2006, present their report with the financial statements of the charity for the year ended 31 December 2024. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

OBJECTIVES AND ACTIVITIES

Objectives and aims

The Charity’s principal object is to provide housing accommodation for persons in need. Subsidiary objects are to promote education and training for employment of young persons and to provide relief in need.

Significant activities

Under the uniting direction issued by the Charity Commission the company is the corporate trustee of The Goodman and Ruthin Charity (Charity reference 215985), which holds the permanent endowment. The non permanent endowment assets of The Goodman and Ruthin Charity were transferred to the company on 31 December 2008.

Public benefit

The charity is registered with the Welsh Assembly Government as a Social landlord. We own and manage 22 dwellings, known as the Church Walks Almshouses, which provide independent living for elderly and other persons in need. With the assistance of a resident Superintendent inhabitants are able to live independently in a safe and caring environment.

FINANCIAL REVIEW

Financial position

The charity benefits from endowment funds which are invested in recognized charity funds in particular as income shares in the National Association of Almshouses Common Investment Fund (NAACIF) which provides a regular income.

Almshouse residents pay a Weekly Maintenance Contribution and a Heating Charge towards the running costs of their house. These are reviewed annually and kept as low as possible with the proviso that, in conjunction with endowment income, sufficient finance is available to maintain the almshouse property and provide for future improvements.

Any surplus is invested in an Extraordinary Repairs Fund, also with NAACIF, which can be drawn upon to fund long term improvements.

Reserves policy

The investments have been acquired from past reserves and contribute a steady income that helps subsidise the charity’s activities.

The trustees have assessed the major risks to which the charity is exposed, in particular those related to the operations and finances of the charity, and are satisfied that systems are in place to mitigate our exposure to the major risks.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity became a company limited by guarantee on 21st May 2008. It is governed by the Memorandum and Articles of Association of the company and by a Charity Commission Scheme dated 7th November 2008, which replaced existing trusts, and authorises the company to administer and manage its property.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Company number

06598915 (England and Wales)

Registered Charity number

1126422

Registered office

Llys Goodman Church Walks Ruthin Denbighshire LL15 1BW

Page 1

The Goodman And Ruthin Charity

Report of the Trustees for the year ended 31 December 2024

Trustees

Ex-Officio Trustees

The Dean of St Asaph, The Very Reverend Nigel Williams The Bishop of St Asaph, The Reverend Gregory Cameron

Co-opted Trustees

Rev Luke Bristowe (Chairman) Lady Susan Hudson (resigned October 2024) Miss Morfudd Jones Mr Nicholas Snape Mr Gwynne Jones Father Huw Bryant Dr Richard Barrie Mr Martin Goldstein Mrs Zoe Henderson (appointed July 2024)

Company Secretary

Mr N J Anderson

Independent Examiner

Salisbury & Company Chartered Accountants Irish Square Upper Denbigh Road St Asaph Denbighshire LL17 0RN

Bankers

HSBC St Peter's Square Ruthin LL15 1AB

Approved by order of the board of trustees on 8 April 2025 and signed on its behalf by:

Reverand L Bristowe - Trustee

Page 2

Independent Examiner's Report to the Trustees of The Goodman And Ruthin Charity

Independent examiner's report to the trustees of The Goodman And Ruthin Charity ('the Company')

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

Responsibilities and basis of report

As the charity's trustees of the Company (and also its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').

Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts as carried out under Section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the 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:

  1. accounting records were not kept in respect of the Company as required by Section 386 of the 2006 Act; or 2. the accounts do not accord with those records; or

  2. the accounts do not comply with the accounting requirements of Section 396 of the 2006 Act 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; or

  3. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities (applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)).

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.

Jason Matischok FMAAT FCA

Salisbury & Company Chartered Accountants Irish Square Upper Denbigh Road St Asaph Denbighshire LL17 0RN

8 April 2025

Page 3

The Goodman And Ruthin Charity

Statement of Financial Activities for the year ended 31 December 2024

Notes
INCOME AND ENDOWMENTS FROM
Other trading activities
2
Investment income
3
Other income
Total
EXPENDITURE ON
Charitable activities
Social Housing
Net gains on investments
NET INCOME
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
Unrestricted
funds
£
128,838
51,546
17,600
197,984
134,539
25,954
89,399
963,877
1,053,276
Endowment
funds
£
-
-
-
-
-
24,891
24,891
728,304
753,195
2024
Total
funds
£
128,838
51,546
17,600
197,984
134,539
50,845
114,290
1,692,181
1,806,471
2023
Total
funds
£
116,027
48,310
-
164,337
137,070
30,659
57,926
1,634,255
1,692,181

The notes form part of these financial statements

Page 4

The Goodman And Ruthin Charity

Balance Sheet 31 December 2024

Notes
FIXED ASSETS
Tangible assets
8
Investments
9
CURRENT ASSETS
Debtors
10
Investments
11
Cash at bank and in hand
CREDITORS
Amounts falling due within one year
12
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT LIABILITIES
CREDITORS
Amounts falling due after more than one year
13
NET ASSETS
FUNDS
15
Unrestricted funds
Endowment funds
TOTAL FUNDS
Unrestricted
funds
£
377,919
605,659
983,578
17,800
5,950
78,045
101,795
(5,109)
96,686
1,080,264
(26,988)
1,053,276
Endowment
funds
£
-
753,195
753,195
-
-
-
-
-
-
753,195
-
753,195
2024
Total
funds
£
377,919
1,358,854
1,736,773
17,800
5,950
78,045
101,795
(5,109)
96,686
1,833,459
(26,988)
1,806,471
1,053,276
753,195
1,806,471
2023
Total
funds
£
377,974
1,288,997
1,666,971
534
5,950
51,822
58,306
(5,705)
52,601
1,719,572
(27,391)
1,692,181
963,877
728,304
1,692,181

The charitable company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31 December 2024.

The members have not required the company to obtain an audit of its financial statements for the year ended 31 December 2024 in accordance with Section 476 of the Companies Act 2006.

The trustees acknowledge their responsibilities for

The notes form part of these financial statements

Page 5

continued...

The Goodman And Ruthin Charity

Balance Sheet - continued 31 December 2024

These financial statements have been prepared in accordance with the provisions applicable to charitable companies subject to the small companies regime.

The financial statements were approved by the Board of Trustees and authorised for issue on 8 April 2025 and were signed on its behalf by:

Reverand L Bristowe - Trustee

The notes form part of these financial statements

Page 6

The Goodman And Ruthin Charity

Notes to the Financial Statements for the year ended 31 December 2024

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Companies Act 2006. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value.

The financial statements are also prepared in accordance with the Statement of Recommended Practice For Registered Social Housing Providers 2018, and the Accounting Requirements for Registered Social Landlords General Determination (Wales) 2015.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Income from rents and room hire is recognised on the basis of premises occupancy.

Income from investments is recognised upon notification from the 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 a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Freehold property - not provided Fixtures and fittings - 33% on cost, 20% on cost and 10% on cost

Housing land and buildings

Housing properties are held for the provision of social benefit housing and are stated at cost. The development costs of housing properties include the following:

(i) Development expenditure

(ii) Interest charged on the mortgage loans raised to finance the scheme.

It is considered that housing accommodation is maintained to a high standard through a continuing programme of refurbishment and maintenance. Consequently the lives of properties and their residual values are such that any depreciation charge would be immaterial. The expenditure on repairs and maintenance is recognised as expenditure in the year which it is incurred.

Taxation

The charity is exempt from corporation tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives 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.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Pension costs and other post-retirement benefits

The charitable company operates a defined contribution pension scheme. Contributions payable to the charitable company's pension scheme are charged to the Statement of Financial Activities in the period to which they relate.

Page 7

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

1. ACCOUNTING POLICIES - continued

Social housing grants

Social Housing Grants paid as a contribution towards the capital costs of housing schemes are recognised against the cost of property.

Investments

Investments are stated at market value.

Debtors

Debtors are recognised at fair value and stated at amortised cost using the effective interest method, less impairment losses for bad and doubtful debts except where the effect of discounting would be immaterial. In such cases, the receivables are stated at cost less impairment losses for bad and doubtful debts.

Cash and cash equivalents

Cash and cash equivalents comprise cash at banks and in hand, demand deposits with banks and bank overdrafts. In the statement of financial position, bank overdrafts are shown within borrowings or current liabilities.

Trade and other creditors

Trade and other creditors are initially recognised at fair value and there after stated at amortised cost using the effective interest method unless the effect of discounting would be immaterial in which case they are stated at cost.

Mortgages

The mortgage loan has been advanced by Housing for Wales.

2. OTHER TRADING ACTIVITIES

3.

Income from Wayleave
Income from Room Lettings
Weekly Maintenance Charges
INVESTMENT INCOME
Income from listed investments
Bank interest
2024
£
764
1,660
126,414
128,838
2024
£
51,067
479
51,546
2023
£
983
1,677
113,367
2023
£
983
1,677
113,367
116,027
2023
£
47,914
396
48,310

4. NET INCOME/(EXPENDITURE)

Net income/(expenditure) is stated after charging/(crediting):

2024 2023
£ £
Depreciation - owned assets 55 64
Surplus on disposal of fixed assets (17,600) -

Page 8

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

5. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 December 2024 nor for the year ended 31 December 2023.

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 December 2024 nor for the year ended 31 December 2023.

6. STAFF COSTS

The average monthly number of employees during the year was as follows:

Clerk
Wardens
Admin
2024
1
2
1
4
2023
1
3
-
4

No employees received emoluments in excess of £60,000.

7.

COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

INCOME AND ENDOWMENTS FROM
Other trading activities
Investment income
Total
EXPENDITURE ON
Charitable activities
Social Housing
Net gains on investments
NET INCOME
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
Unrestricted
funds
£
116,026
48,310
164,336
137,070
15,245
42,511
921,366
963,877
Endowment
funds
£
1
-
1
-
15,414
15,415
712,889
728,304
Total
funds
£
116,027
48,310
164,337
137,070
30,659
57,926
1,634,255
1,692,181

Page 9

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

8. TANGIBLE FIXED ASSETS

COST
At 1 January 2024 and 31 December 2024
DEPRECIATION
At 1 January 2024
Charge for year
At 31 December 2024
NET BOOK VALUE
At 31 December 2024
At 31 December 2023
9.
FIXED ASSET INVESTMENTS
MARKET VALUE
At 1 January 2024
Change in market value
Income accrued
At 31 December 2024
NET BOOK VALUE
At 31 December 2024
At 31 December 2023
All investments are listed and managed by an external investment
outside the UK.
10.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Prepayments and accrued income
Prepayments
Freehold
property
£
377,620
11
-
11
377,609
377,609
manager. There
Fixtures
and
fittings
Totals
£
£
26,307
403,927
25,942
25,953
55
55
25,997
26,008
310
377,919
365
377,974
Listed
investments
£
1,288,997
50,845
19,012
1,358,854
1,358,854
1,288,997
were no investment asse
2024
2023
£
£
17,600
-
200
534
17,800
534

All investments are listed and managed by an external investment manager. There were no investment assets outside the UK.

Page 10

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

11.
CURRENT ASSET INVESTMENTS
2024
2023
£
£
COIF Deposit Account
5,950
5,950
12.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2024
2023
£
£
Social security and other taxes
2,785
1,611
Accrued expenses
2,324
4,094
5,109
5,705
13.
CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
2024
2023
£
£
Other loans (see note 14)
26,988
27,391
14.
LOANS
An analysis of the maturity of loans is given below:
2024
2023
£
£
Amounts falling due in more than five years:
Repayable by instalments:
Housing for Wales
26,988
27,391
Advanced by Housing for Wales to finance the development of Housing buildings, repayable by instalments over
years from 1st May 1983.
The loan is secured by a fixed charge over the property.
15.
MOVEMENT IN FUNDS
Net
movement
At
At 1/1/24
in funds
31/12/24
£
£
£
Unrestricted funds
Revenue Reserve
933,268
44,433
977,701
Investment Revaluation Reserve
30,609
44,966
75,575
963,877
89,399
1,053,276
Endowment funds
Investment Revaluation Reserve
482,970
24,891
507,861
Capital Reserve
245,334
-
245,334
728,304
24,891
753,195
TOTAL FUNDS
1,692,181
114,290
1,806,471
2023
£
5,950
2023
£
1,611
4,094
5,705
2023
£
27,391
2023
£
1,611
4,094
5,705
1,053,276
507,861
245,334
753,195
1,806,471

Advanced by Housing for Wales to finance the development of Housing buildings, repayable by instalments over 60 years from 1st May 1983.

Page 11

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

15. MOVEMENT IN FUNDS - continued

Net movement in funds, included in the above are as follows:

Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
TOTAL FUNDS
Comparatives for movement in funds
Incoming
resources
£
178,972
19,012
197,984
-
197,984
Resources
expended
£
(134,539)
-
(134,539)
-
(134,539)
Gains and
Movement
losses
in funds
£
£
-
44,433
25,954
44,966
25,954
89,399
24,891
24,891
50,845
114,290
Gains and
Movement
losses
in funds
£
£
-
44,433
25,954
44,966
25,954
89,399
24,891
24,891
50,845
114,290
89,399
24,891
114,290
Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
Capital Reserve
TOTAL FUNDS
At 1/1/23
£
776,850
144,516
921,366
467,555
245,334
712,889
1,634,255
Net
movement
in funds
£
9,428
33,083
42,511
15,415
-
15,415
57,926
At
31/12/23
£
786,278
177,599
963,877
482,970
245,334
728,304
1,692,181

Comparative net movement in funds, included in the above are as follows:

Incoming Resources Gains and Movement
resources expended losses in funds
£ £ £ £
Unrestricted funds
Revenue Reserve 146,498 (137,070) - 9,428
Investment Revaluation Reserve 17,838 - 15,245 33,083
164,336 (137,070) 15,245 42,511
Endowment funds
Investment Revaluation Reserve 1 - 15,414 15,415
TOTAL FUNDS 164,337 (137,070) 30,659 57,926

Page 12

continued...

The Goodman And Ruthin Charity

Notes to the Financial Statements - continued for the year ended 31 December 2024

15. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined position is as follows:

Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
Capital Reserve
TOTAL FUNDS
At 1/1/23
£
776,850
144,516
921,366
467,555
245,334
712,889
1,634,255
Net
movement
in funds
£
53,861
78,049
131,910
40,306
-
40,306
172,216
At
31/12/24
£
830,711
222,565
1,053,276
507,861
245,334
753,195
1,806,471

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Unrestricted funds
Revenue Reserve
Investment Revaluation Reserve
Endowment funds
Investment Revaluation Reserve
TOTAL FUNDS
Incoming
resources
£
325,470
36,850
362,320
1
362,321
Resources
expended
£
(271,609)
-
(271,609)
-
(271,609)
Gains and
Movement
losses
in funds
£
£
-
53,861
41,199
78,049
41,199
131,910
40,305
40,306
81,504
172,216
Gains and
Movement
losses
in funds
£
£
-
53,861
41,199
78,049
41,199
131,910
40,305
40,306
81,504
172,216
131,910
40,306
172,216

16. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 31 December 2024.

Page 13

The Goodman And Ruthin Charity

Detailed Statement of Financial Activities for the year ended 31 December 2024

INCOME AND ENDOWMENTS
Other trading activities
Income from Wayleave
Income from Room Lettings
Weekly Maintenance Charges
Investment income
Income from listed investments
Bank interest
Other income
Gain on sale of heritage assets
Total incoming resources
EXPENDITURE
Charitable activities
Wages
Pensions
Rates and water
Insurance
Light and heat
Office expenses
Garden maintenance
General repairs
Cyclical repairs
Extraordinary repairs
Care alarm monitoring
Residents amenities
Cleaning
Charitable donations
Other
Depreciation of tangible fixed assets
Mortgage
Support costs
Finance
Bank charges
Governance costs
Accountancy
Consultancy
2024
£
764
1,660
126,414
128,838
51,067
479
51,546
17,600
197,984
59,392
1,323
4,706
1,926
25,620
5,056
2,358
4,254
2,950
8,158
6,350
291
485
-
493
55
3,173
126,590
71
1,453
6,425
7,878
2023
£
983
1,677
113,367
116,027
47,914
396
48,310
-
164,337
58,920
1,391
3,850
1,948
38,700
4,018
2,550
4,469
1,978
400
3,775
(482)
620
150
785
64
3,216
126,352
75
1,983
8,660
10,643

This page does not form part of the statutory financial statements

Page 14

The Goodman And Ruthin Charity

Detailed Statement of Financial Activities
for the year ended 31 December 2024
Total resources expended
Net income
2024
£
134,539
63,445
2023
£
137,070
27,267

This page does not form part of the statutory financial statements

Page 15