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2021-04-30-accounts

THE CENTRAL AMENITIES FUND

HMS HERON

ANNUAL REPORT AND FINANCIAL STATEMENTS

For Period

1 May 2020 to 30 April 2021

Registered Charity No. 1129715

Trustees’ Annual Report and Comments

Central Amenities Fund HMS HERON
Charity Registered No:
1129715
Covering the Accounting Year: 1 May 2020 to 30 April 2021
Address: RNAS Yeovilton
Ilchester
Somerset BA22 8HT
Governing Document:
Constitution
Objects: Promotion of the Military Efficiency and Operational
Effectiveness of the Armed Forces by the provision of
leisure activities and domestic facilities to Service personnel
and their families serving in the Royal Naval Air Station
Yeovilton. In addition, it provides central fund banking
facilities for a variety of Service and Approved funds.
Trustee: Commodore N H C Tindal Royal Navy (until 7 Jul 2020)
Commodore N R Griffin MBE Royal Navy (from 8 July 2020)
Trustee selection method: Appointed as such by the Naval Secretary.
Bankers Barclays Bank
King George Street
Yeovil
Independent Examiner: P A NichollsMBE MAAT
5 Nursery Road
Havant
Hants PO9 3BG
Activities and achievements To have resources available for expenditure on
improvements to the quality of life, and the engenderment of
espirit de corps. The fund continued to meet its objectives in
the past year and the community centre, narrow boat, motor
home and garage facilities were well used by the Service
personnel and their families.
Financial Review The fund has had a bad year, having lost £81K in value. It
was worth £164K of which £138K was represented by
property and stock. It had bank and deposit holdings of
£277K but of this figure £237K was held for other funds and
creditors. This means that the fund has just £40K of its own
money in the bank and clearly cannot continue to sustain
losses at the rate seen last year. However, there are signs that
losses this year will be reduced as:
• The reduction to one CAF Manager will lead to some
salary savings.
• Tall Trees bar will reopen.

Financial Reserves Policy:

The Trustee has considered the level of reserves that is required, appropriate to the charity’s needs. This is set at £100K, although it is currently less than that figure. It is held within the Charity Deposit Account. It seeks to provide three months CAF running costs and to be able to replace the narrowboat. The Trustee aims to ensure that the charity will be able to fulfil its charitable objectives even if there is a temporary shortfall in income and unexpected expenditure. The Trustee will endeavour not to set aside funds unnecessarily.

Risk Assessment: The Trustee reviews the major risks to which the charity is exposed, and systems have been established to manage those risks and believes that by building up the free reserves it will provide sufficient resources in the event of adverse conditions. Independent examination of the accounts twice yearly will mitigate the risk of any mismanagement by the committee.

Public Benefit Statement This fund provides public benefit by assisting Service personnel to more effectively perform their roles within the Armed Forces of the Crown. It does this by providing and supporting leisure facilities and social activities. This assistance enables Service personnel to face the challenges and danger associated with military service by developing and maintaining teamwork, spirit and attitude, and morale. As a result, the fund promotes the efficiency of the Armed Forces of the Crown by enhancing their capability to undertake the roles demanded of them including the defence of the United Kingdom and its interests.

I confirm that have paid due regard to the Charity Commission of England and Wales’s guidance on public benefit when deciding what activities the charity should undertake.

Declaration:

I declare, in my capacity of Charity Trustee, that I have approved the above report.

Signature Signed on Original

Name Commodore N R Griffin MBE Royal Navy

Appointment Commanding Officer and sole Managing Trustee

Independent Examiner’s Report to the Trustee of the HMS Heron Central Amenities Fund.

I report on the accounts of the Charity for the year ended 30 April 2021 which are set out in pages 1 to 10 and accompanying notes.

Respective responsibilities of trustees and examiner

The charity’s trustee is responsible for the preparation of the accounts. The charity’s trustee considers that an audit is not required for this year under section 144(2) of the Charities Act 2011 (The Charities Act) and that an independent examination is needed.

It is my responsibility to:

Basis of independent examiner’s report

My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity 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 trustee for 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 to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statement below.

Independent examiner’s statement

In connection with my examination, no material matters have come to my attention which gives me cause to believe that in any material respect:

I 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.

Signed on Original

P A Nicholls MBE MAAT 5 Nursery Road Havant Hants PO9 3BG

4 June 2021

HMS HERON CENTRAL AMENITIES FUND

Registered Charity No 1129715

BALANCE SHEET

30-Apr-21

Fixed Assets
Notes
Property
7
Current Assets
Stocks
8
Debtors & Prepayments
9/9A
Charities Deposit Account
Bank Accounts
Cash & Floats
Current Liabilities
Trade Creditors
10
Tall Trees Creditors
10A
Central Bank for:
Service Funds
11
Dispersing Funds
11A
Dormant Funds
11B
Approved Funds
11C
Net Current Assets
Long Term Liability
Nuffield Trust (Holiday Home)
10B
Total Net Assets
9,093.01
£
15,592.03
£
247,289.60
£
30,025.67
£
2,431.11
£
304,431.42
£
22,868.89
£
1,079.08
£
105,371.47
£
45,519.55
£
247.32
£
61,601.02
£
236,687.33
£
129,088.00
£
140,548.00
£
11,972.80
£
16,752.76
£
271,966.55
£
79,785.21
£
3,871.89
£
384,349.21
£
14,829.40
£
160.00
£
98,420.58
£
41,893.20
£
247.32
£
88,714.54
£
244,265.04
£
67,744.09
£
140,084.17
£
32,872.00
£
35,672.00
£
163,960.09
£
244,960.17
£
30-Apr-20
129,088.00
£
140,548.00
£
11,972.80
£
16,752.76
£
271,966.55
£
79,785.21
£
3,871.89
£
384,349.21
£
14,829.40
£
160.00
£
98,420.58
£
41,893.20
£
247.32
£
88,714.54
£
244,265.04
£
67,744.09
£
140,084.17
£
32,872.00
£
35,672.00
£
163,960.09
£
244,960.17
£
30-Apr-20
244,960.17
£

Approved on 4 June 2021

Signed on Original

Commodore N R Griffin Royal Navy MBE Sole Managing Trustee

1

YEOCAFApr21BSZBALANCE SHEET

HMS HERON CENTRAL AMENITIES FUND

STATEMENT OF FINANCIAL ACTIVITIES

Income
Notes
Donations & Grants
Charitable Activities
Other Trading Activities
Investment Income
Total Income
3
Expenditure
Charitable Activities
Other
Total Expenditure
4
Net income (expenditure)
Less Previous Year Excess Income Correction
Net movement in funds
Total Funds brought forward 1 May 20
Net Movement of Funds
Total Funds carried forward 30 Apr 21
2020-21
26,019.43
£
98,349.39
£
3,770.18
£
97.72
£
128,236.72
£
209,236.80
£
-
£
209,236.80
£
(81,000.08)
£
-
£
(81,000.08)
£
244,960.17
£
(81,000.08)
£
163,960.09
£
2019-20
114,875.96
£
142,641.59
£
13,487.84
£
2,121.57
£
273,126.96
£
305,424.04
£
-
£
305,424.04
£
(32,297.08)
£
(8,255.00)
£
(40,552.08)
£
285,512.25
£
2,532.29
£
244,960.17
£

2

YEOCAFApr21BSZSOFA SUM

HMS HERON CENTRAL AMENITIES FUND

Notes to the Accounts dated 30 April 2021

Note 1 - Accounting policies

a. The financial statements are prepared under the historic cost convention (as modified by the revaluation of fixed asset investments) and in accordance with applicable accounting standards: Charities Statement of Recommended Practice 2019 and the provisions of the Charities Act 2011. Significant policies adopted are:

Incoming resources

a. Donations are included in the Statement of Financial Activities (SOFA) when the CAF becomes entitled to the donation or grant and it is reasonably certain that it will be received.

Expenditure and liabilities

a. Liabilities are recognised as soon as there is a legal or constructive obligation committing the CAF to the expenditure.

b. Administration costs are incurred by the CAF Manager and her assistant. These costs are not apportioned as their tasks are wide ranging in support of leisure and amenities and include the maintenance of the Central Bank facility for other funds.

Assets

a. Tangible fixed assets are capitalised if they can be used for more than one year and cost at least £250. They are valued at cost or a reasonable value on receipt. The CAF does not have a policy of revaluation. Depreciation is straight line and over the estimated life of the item.

b. Investments on a recognised stock exchange are valued at market value at the date of the Balance Sheet or at best estimate of market value.

Note 2 - Investments

There are none

3

Note 3 - Income

Voluntary Income
Donations & Grants
Furlough CAF Grant
Tall Trees Grants
Closed Funds
Gainshare/Excess Income
Charitable Activities
Tall Trees (see Note 15)
Garage (See Note 14)
Narrowboat
Holiday Home
Holiday Home - Reduce NT Liability
Caravan Parking
JR Xmas Lunch
Sports Income
Family Rooms
Selecta Royalties
Barber's Rent
Misc Income
Fund Raising
Recreational Passes
Sub Fund Contributions
Excess Income Admin
Investment Income
Interest
Total Income
416.70
£
2,477.43
£
23,125.30
£
-
£
-
£
Year to
Year to 827.98
£
936.48
£
95,500.00
£
429.31
£
17,182.19
£
26,019.43
£
114,875.96
£
70,137.87
£
28,076.41
£
22,285.36
£
8,023.06
£
2,744.00
£
3,772.69
£
2,210.88
£
-
£
1,874.48
£
291.30
£
2,676.05
£
549.49
£
98,349.39
£
142,641.59
£
9,903.00
£
476.00
£
3,108.84
£
3,770.18
£
13,487.84
£
97.72
£
2,121.57
£
128,236.72
£
273,126.96
£
Previous Year
April 2021
22,743.69
£
44,531.21
£
12,182.15
£
7,022.64
£
2,800.00
£
4,640.00
£
-
£
947.20
£
2,038.70
£
-
£
1,443.80
£
-
£
3,452.18
£
318.00
£
-
£

4

Note 4 - Expenditure

Charitable Activities
Operating Costs
Tall Trees (See Note 15)
Narrowboat
Narrowboat Depreciation
Holiday Home
Holiday Home - Depreciation
Garage (See Note 14)
Sports Expenditure
Civ Insurance - Gym
Insurance
Barber DIO
Vending Depreciation
JR Xmas Lunch
Grants
TV Licences
Gifts
Governance Costs
Independent Examination Fees
Support Costs
Office Salaries
Pensions
Office Administration
Bank Charges
Fuel
Minor Depreciation
Total Expenditure
54,878.28
£
162,757.43
£
13,263.02
£
16,031.97
£
5,516.00
£
5,516.00
£
3,943.16
£
6,607.94
£
2,882.83
£
2,800.00
£
67,893.83
£
37,079.40
£
9,688.36
£
9,556.38
£
1,646.40
£
1,695.79
£
1,268.89
£
1,126.08
£
267.36
£
1,604.13
£
964.00
£
964.00
£
-
£
2,065.48
£
2,919.58
£
12,473.52
£
157.50
£
309.00
£
585.00
£
784.77
£
2,030.00
£
2,025.00
£
34,693.96
£
37,098.17
£
2,220.00
£
1,980.00
£
2,960.66
£
2,086.62
£
870.42
£
132.83
£
40.55
£
207.20
£
547.00
£
522.33
£
209,236.80
£
305,424.04
£
209,236.80
£
305,424.04
£
Year to April 2021
Previous Year

Total Expenditure

Note 4A - Major Grants (above £1000)

Lynx Memorial - 847

Note 5 - Paid Employees

b. There were 10 employees None earned more than £50,000 pa

5

Note 6 -Trustees and Other Related Parties

Note 7 - Fixed Assets - Fixtures, Fittings and Equipment

Value at 1 May 20
Additions
Less Depreciation
Value at 30 Apr 21
Narrowboat
43,570
£
-
£
(5,516)
£
Garage Birds
Quarry
Tall
Trees
Vending Other Holiday
Home
Total
36,400
£
140,548
£
163
£
163
£
(2,883)
£
(11,623)
£
33,680
£
129,088
£
19,183
£
-
£
(1,716)
£
38,000
£
-
£
-
£
540
£
-
£
(120)
£
1,686
£
-
£
(964)
£
1,169
£
-
£
(424)
£
38,054
£
17,467
£
38,000
£
420
£
722
£
745
£

Note 8 - Stocks

Garage
Tall Trees Bar Stock
6,906.00
£
2,187.01
£
9,093.01
£

Note 9 - Miscellaneous Debtors (Payable in less than one year)

HMRC Furlough Grants £ 2,087.57
JR Mess Sky (AWF) £ 2,105.68
£ 4,193.25
Note 9A- Prepayments
Insurance - CAF £ 819.55
Insurance - Sub Funds £ 4,342.83
Insurance - Holiday Home £ 160.00
Insurance - Narrowboat £ 484.00
Narrowboat Mooring Fees £ 2,941.00
Narrowboat Licence £ 457.40
Cornish Charm Site Fees £ 2,194.00
£ 11,398.78
Note 10 - Creditors (payable in less than one year)
Unidentified Bank Credits £ 10,294.69
Prebooked Narrowboat £ 4,476.21
Prebooked Cornish Charm £ 1,452.41
Cornish Charm Cleaning £ 65.00
Garage £ 1,389.78
Berry's Coaches £ 7.87
PNIE Examination £ 900.00
HMRC - VAT £ 2,101.05
HMRC - PAYE £ 2,181.88
£ 22,868.89

6

Note 10A -Tall Trees Creditors
TT - Bar Stocktake
TT - Ice Machine
TT - PRS (Estimated)
PNIE Examination
Note 10B - Long Term Creditor
RNRMC (Nuffield Trust) - Interest in Holiday Home
Note 11 - Service Funds held by CAF as Central Bank
815 NAS Officers' Fund
815 NAS Welfare Fund
815 NAS SR Fund
825 NAS Welfare Fund
825 NAS Officers Fund
825 NAS Wings Parade
845 NAS Welfare Fund
845 NAS Officers Fund
846 NAS Officers Fund
846 NAS SR Fund
846 NAS Welfare Fund
846 NAS Wings Parade
847 NAS Officers Fund
847 NAS Welfare Fund
Junglie Cocktail Party
AED Officers Fund
Black Cats Display Team
CHF Families Day
CHF Officers Fund
CHF Sports Fund
CHF Welfare Fund
Exercise Rotary Cluster
846 Dinner
HMS Heron Field Gun
Heron Sailing Club
Yeovilton Gliding Club
Yeovilton Golf Society
Sporting Gun Club
Station Families Day
Volunteer Band
Sports Personality Awards
FAA Grass Roots
Heron Grass Roots
NAC Sub Aqua Club
RN Motor Cycle Club
RN Model Aircraft Association
Short Term Family Accommodation
100.00
£
709.08
£
100.00
£
170.00
£
1,079.08
£
32,872.00
£
4,116.22
£
4,995.11
£
443.50
£
2,653.90
£
2,807.97
£
859.17
£
1,979.96
£
5,271.29
£
2,688.13
£
22.34
£
5,435.62
£
159.10
£
2,748.62
£
2,206.00
£
3,846.77
£
3,940.28
£
971.09
£
1,567.88
£
2,485.95
£
805.00
£
2,446.22
£
1,417.95
£
5.81
£
3,620.99
£
849.76
£
3,525.46
£
5,984.30
£
1,765.86
£
16,353.16
£
1,252.25
£
2,578.25
£
3,948.83
£
2,021.46
£
706.71
£
829.67
£
4,289.29
£
3,771.60
£
105,371.47
£

7

Note 11A - Dispersing Funds held by CAF as Central Bank Note 11A - Dispersing Funds held by CAF as Central Bank Note 11A - Dispersing Funds held by CAF as Central Bank
Air Engineering & SE NVQ Rewards £ 35,210.06
RNSAC - GNVQ AWARDS £ 1,235.80
Charity Grants £ 5,205.75
JR Accommodation Keys £ 207.34
Key Fobs £ 3,660.60
£ 45,519.55
Note 11B - Dormant Funds held by CAF as Central Bank
LWMF Families Day £ 247.32
£ 247.32
Note 11C - Approved Funds Using the CAF as Central Bank
RNR Air Branch - Officers £ 8,901.46
RNR Air Branch - Warrant Officers £ 11,250.10
Coarse Angling Club £ 1,416.70
Dog Passes £ 1,960.69
Donald Gosling JR Grant £ 5,000.00
Flight Safety £ 434.05
JR Committee £ 1,286.88
Lynx Memorial £ 5,500.00
RN Commando Dinner £ 480.00
Korean Hospitality £ 1,009.60
Guernsey Golf £ 129.20
Childrens Swimming Club £ 5,177.78
Puxton & CrealyTickets £ 365.00
Yeovilteenies PTA £ 736.31
REME at DE&S £ 726.93
RM Aircrewmen Dinner Fund £ 334.36
RN Netball £ 250.00
RNRM Welfare Contingency Fund £ 10,433.40
RNRM Wyndam £ 969.74
Sanctuary £ 212.26
Sanctuary Building Improvements £ 1,007.99
UPO £ 93.35
Velo Alps £ 366.08
Chaplaincy Outreach £ 1,114.05
TT Little Acorns £ 1,096.27
TT Reserve (Closed Groups) £ 210.97
TT Youth Club £ 763.59
TT Youth Forum £ 223.00
TT Great Oaks £ 151.26
£ 61,601.02

Note 12- Endowment or Restricted Income Funds

None held

8

Note 13 - Other Information

Declarations

Note 14 - Yeovilton Motor Centre Trading Account for Year to 30 Apr 21

Total Sales
Cost of Sales
Gross Profit
Less:
Wages
Additonal MOT Labour
Furlough Grant
Insurance
Garage depreciation
Net loss
Gross Profit/Sales
Net loss/Sales
44,316.30
£
287.00
£
(13,252.84)
£
2,317.93
£
1,716.00
£
27%
-52%
44,531.21
£
28,076.41
£
(32,509.44)
£
(13,824.70)
£
12,021.77
£
14,251.71
£
13,000.00
£
10,620.00
£
(3,628.54)
£
1,512.24
£
1,751.00
£
(35,384.39)
£
(23,254.70)
£
(23,362.62)
£
(9,002.99)
£
51%
-32%
Previous Year

9

Note 15 - Tall Trees - 12 months to 30 Apr 21 (includes bar trading - Note 15A)

Income
Grants
Bar Sales
Gaming Machines
Pool Table
Juke Box
Miscellaneous
Expenditure
Bar Expenses
Play Park
Play Park Inspection
Events
Repairs & Renewals
Covid items
Insurance
Cleaning
TV
Performing Rights/PPL/MPLC
SDC Licences
Office and Miscellaneous
Less Examination
Less Depreciation
Net Gain or (Loss)
23,125.30
£
21,136.67
£
24.00
£
-
£
111.83
£
1,471.19
£
25,505.63
£
23,154.48
£
-
£
1,251.74
£
436.44
£
244.82
£
2,111.87
£
-
£
-
£
163.00
£
360.00
£
1,650.30
£
Previous Year
95,500.00
£
66,497.26
£
673.29
£
125.00
£
452.84
£
2,389.48
£
45,868.99
£
165,637.87
£
58,617.49
£
95,500.00
£
468.95
£
1,511.39
£
1,329.97
£
-
£
1,804.59
£
180.00
£
1,067.07
£
285.76
£
90.00
£
1,902.21
£
54,878.28
£
162,757.43
£
330.00
£
330.00
£
120.00
£
63.33
£
(9,459.29)
£
2,487.11
£

Note 15A - Tall Trees Bar Trading Account - 12 months to 30 Apr 21

Total Sales
Cost of Sales
Gross profit
Less: Bar Trading Costs
Wages & Employers NI
Furlough Grants
Stock Muster
Pipecleaning
Wastage/Out of Date
Free Drinks
Bar Sundries
Net Bar Trading Profit or (Loss)
Gross Profit/Sales
Gross Profit/Cost of Sales
(or average mark up)
Net Profit or Loss /Sales
21,136.67
£
66,497.26
£
(11,630.68)
£
(31,438.10)
£
9,505.99
£
35,059.16
£
23,317.21
£
} 52.6%
26,341.62
£
37.3%
(12,192.67)
£
}
(1,508.92)
£
200.00
£
395.00
£
362.45
£
1.7%
717.77
£
1.1%
1,880.33
£
8.9%
529.73
£
0.8%
60.44
£
99.30
£
247.19
£
604.89
£
(13,874.95)
£
(27,179.39)
£
(4,368.96)
£
7,879.77
£
45%
53%
82%
112%
-21%
12%
Previous Year

10

PN INDEPENDENT EXAMINATIONS

5 Nursery Road Havant Hants PO9 3BG 07801 064450

The Commodore Royal Naval Air Station Yeovilton

19 May 21

THE CENTRAL AMENITIES FUND – EXAMINATION AND ACCOUNTS FOR THE YEAR ENDING 30 APR 21

  1. The annual examination of the Central Amenities Fund (CAF) for the year that ended on 30 Apr 21 has been completed satisfactorily. There is a separate report on the other Service funds which use the CAF as a bank. Two copies of the accounts are enclosed, one for the pack and the other to be returned to the CAF Manager after approval.

  2. A draft Trustee’s Annual Report (TAR) is also enclosed. Once approved by the Commodore, and any changes inserted, a PDF version of the annual accounts and the TAR must be uploaded to the Charity Commission website. The on-line Annual Return should also be completed at the same time.

Accounts and Musters

  1. The accounts were well presented with a comprehensive set of supporting documents. Cash had been counted and stocks mustered.

Property

  1. The bulk of the value of the fund is represented by its property (Note 7 in the accounts shows the book values). The main items were:

  2. Birds Quarry - £38K. It is understood that this cannot be sold to raise funds.

  3. Holiday Home - £38K. If sold 98% of the sale price would have to be returned to the RNRMC.

  4. Narrowboat - £38K.

Excess Income (EI)

  1. There was no EI income in the year. The background to this was noted in PNIE’s previous report[1] . As the Covid-19 lockdown comes to an end and ESS business returns to normal, it is strongly recommended that management pressurises DIO, perhaps via FLO, for this source of income from ESS to be reinstated. EI would have been worth £43K in 20/21 (Year 2 of the scheme) and £47.8K in the coming year (Year 3).

Yeovilton Motor Centre (see Note 14 to the Accounts)

  1. PNIE report dated 13 Nov 20

  2. Sales had increased by 60% to £44.5K, which led to a gross profit of £12K. However, overheads greatly exceeded this figure leading to a net loss of £23.4K compared to a £9K loss in the previous year. Wage costs, even after furlough grant offsets, totalled £31K.

Tall Trees Community Centre (see Note 15 in the accounts)

  1. The bar lost £4.4K compared to a £7.8K profit in 19/20. When added to other running costs, the Centre made a £9.4K loss compared to an overall profit in 19/20 of £2.5K. One factor was out of date stock worth £1.9K that had to be written off.

Other Income

  1. Most sources of profit were much reduced during this Covid-19 affected year and some had become loss makers.

  2. The narrow boat had made a loss of £1K compared to a profit of £6.2K in 19/20. These figures ignore the annual depreciation costs of £5.5K.

  3. The holiday home had increased profits to £3.1K (£1.4K in 19/20) but this would be much reduced if depreciation of £2.9K was taken into account

  4. Gym user pass income had fallen by nearly two thirds to £3.4K. (The insurance premium for civilian use of the gym was £1.6K.)

  5. Income from caravan parking had risen by a quarter to £4.6K.

  6. Family Room hires had increased a little to £2K.

  7. Despite holding £247K on deposit, interest had fallen from £2.1K to an insignificant £98.

  8. The income from the barber’s rent was up slightly to £1.2K.

Expenditure

  1. The costs of non-trading activities had reduced or remained steady:

  2. Sports spending £9.6K matched the previous year.

  3. The amount paid out in grants had fallen from £12.5K to just £2.9K. The major grant was £2K paid to the Lynx memorial project.

  4. Salary costs fell from £37.1K to £34.7K.

Financial Situation

  1. The fund has had a bad year, having lost £81K in value. It was worth £164K of which £138K was represented by property and stock. It might be more useful to look at its bank and deposit holdings of £277K. This might look impressive at first sight but of this figure £237K was held for other funds and creditors. This means that the fund has just £40K of its own money in the bank and clearly cannot continue to sustain losses at the rate seen last year or it will not last until Oct 21.

  2. On the other hand, there are signs that losses this year will be reduced as:

  3. The reduction to one CAF Manager will lead to some salary savings.

  4. Tall Trees bar will reopen.

  5. Narrow boat and holiday home bookings are coming in.

  6. It is recommended that a financial plan be drawn up for the coming year starting with the figures for 2019 as that year also lost 1.5 months business to Covid-19.

Summary

  1. The finances of the CAF are in poor shape and insolvency is a danger. The fund will require month by month monitoring by management.

P A Nicholls PN Independent Examinations

Information:

CAF Manager