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2023-12-31-accounts

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF KIRKBY STEPHEN h￿TH MALLERSTANG. CROSBY GARRErr AND SOULBY (Charity Number 1132029) ANNUAL ACCOUNTS AND TRUSTEES REPORT FOR THE PERIOD ENDED 31Yt DECEMBER 2023 ADMINISTRATIVE INFORMATION The Parochial Churth Council of the Ecdesiastical Parish of Kirkby Stephen with Mallerstsng, Crosby Garrett and Soulby (PCC) is part of the Di(Kese of Carlisle wtlhin the Church of England arKI is registered on the Register of Charities wef 7th October 2009. No: 1132029. The coffe8ponden￿ address is: The PCC Secretary, Lunesdale, Rowgate, Kirkby Stephen CA17 4SP The charity does not have a constttLrtion, bui its status is established under sections 2 and 3 of the Parochial Churth Council (Powers) Measure 1956. STRUCTURE GOVERNANCE AND MANAGEMENT The method of appointment of PCC memters is set out in the Church Rewesentation Ruth. All Church attendees are encouraged to register on the Electoral Roll. The full PCC met five times during the year for general business. with an average attendance of 61 Yo. In addttion. we sent representattves to meetings to discuss finanaal arrangements for the new Benefices in our Deanery. At the beginning of the year. PCC representatives were also closely involved in the process of gettirKJ to know members of other parishes who would fomi part of our rEw Benefi￿,. arKI in the preparation for the licensing in March of our new wiest-in-tharge, Rev Canon Brendan Giblin. PCC members who were serving as at 31 December 2023 Rev Car￿n Brendan Giblin Wardens.. Jean Hill. lan Alonby. Alan King, Glenys Lumley (Wice£hair). Alan Coates Rep￿SentativeS on the Deanery Synod.. Rosemary Turner. Martin Holdgate (Member of the Diocesan Synod) Elected membe￿.. Shiela Haughey. Cathy Prime, RebecGa co￿1ng, Kathleen Rob]'nson, Rob Paisley, Anne Jorysz, Gordon Hutton. David IhThitehead. Maggie Heath Ministy Team.. Canon Carole Marsden, Rev Jean Wright, Rev Judy Polkinhom, Rev Charles Cowling {Ordained 01107123)

AIMS AND PURPOSE The PCC has the resportsibilty of cooperatirvJ in promoting wtlhin the ecclesiastical parish the whole mission of the Church, pastoral, evangelistic, social and ecumenical. The PCC is also specifically responsible for the Maintenan￿ of all the church FKoperty within the Ecdesiastical Parish of Kirkby Stephen with Mallerstang. Crosby Garrett arKI Soulby. OBJECTIVES AND ACTIVITIES The PCC is committed to enabling as many people as possible to worship at our ¢hurGh and to become part of our parish communty. The PCC maintains an overview of worship throughout the parish and makes suggestions on how our serVI￿S can involve the many groups that live within our parish. Our ServI￿S and worship put farth into practi￿ through prayer and scripture, music and sacrament. fyhen planning i)ur activtties for the year. we have considered the Commission's guidance on public benefft and, in particular. the supplementary guidance on ¢hariiies for the advan￿ment of religion. In particular. we try to enable ordinary people to live out their faith as part of our parish community through: . Worship and prayer, leaming about the Gospel" and develo1￿ng trEir knowI￿ge and trust in Jesus. . Provision of pastoral Ca￿ for people living in the parish. . Mission and outreath wor To facilitate this work, it ts important that we continue to maintain the fa￿lC of our Churches. ACHIEVEMENT AND PERFORMANCE Worshlp and Prayer The PCC is keen to offer a range of services during the week and over the course of the year that our communty find both beneficial and spiritually fU￿111ng. Nonnally Kirkny Stephen Parish Church holds a said service tw[￿ a month, a choral Servi￿ every Sunday. and additional services at times of festival. St Mary's Mallerstang has two servI￿S a month and St Andrew's Crosby Garrett has two servI￿S a month in the summer and one in the wirrter. We8k-day seriices are also held in our churthes. All are welcome to attend our regular seprfices. At present the￿ a￿ 106 parishioners on the joint Electoral Roll of our three parishes. an increase of two since last year. The total average weekly attendance. counted during October. was 82. As well as our regular services, we enable our communtty to celebrate and thank God at the milestones of the journey through lrfe. Through bapb.sm we thank God for the gift of life, in marriage public vows are excharKJed wtih God's blessing and through funeral Se￿iceS friends and family express their grief and grve thanks for the life which is now complete in this world and to commend the person into Go(fs keeping. There were six baptisms, four weddings and 10 funeralslburials of ashes in our thurches this year. Kirkb Ste hen Parish Church We were pleased to continue welcoming Primary School children for Experience Easter, Ha￿est and Christrnas (the Pentecost equivalent was set aside this year because of the Coronation). Messy Church was postponed. but Carole did aSSembl￿S at the school and worked with some of the youngest children. The Primary School also ￿lebrated Easter,

Harvest and Christrnas ￿ryth serVi￿S in church: a Christmas setvtce was held for years 7 and 8 of the Grammar School: and a signfficant group of youngsters from unrfomied organisations attended the annual St George's Day service. Regular events. such as the ecumenica5 Remembrance Service and Christmas celebrations (Carols in the Mart, SeNice of Nine Lessons and Carols, Christingle) were well attended. Stma 's Mallersta We have continued with our two services a morth this year. also hekl a Good Friday servi￿, our traditional Christma5 Eve Anthology ServiGe of readings and carols aThJ Christmas Day Communion Setvice. St Andrew's Crosb Garrett Our usual pattem of serVI￿S has continued. V￿th a Holy Communion servi￿ and Evensong each month dunng the summer; and a monthly Holy Communion Service in viinter. (Xher worship induded special servi￿S for Mothertng Sunday, Palm Sunday, Good Friday, Easter, the Transfiguration. a 'Hymns and Pimm's evening worship, St Andrew's Day and Christmas. Financial Revie The income and eXp￿lture for the year are shown in the Financial Statements. The charity's financial position remains sound as church life continued to retum to normal after Covid. The T￿aSUre￿$ ReF¥)rt o￿tainS further details. Reserves Poli The Trustees recognise that reserves are needed to manage cash fk>w delays where income arrives later than expenditure. Cash in the bank at any one b.me is normally sufficient to cover such delays. The Trustees will regularly consider the levels of cu￿ent and expected income and exFenditure and assess the level of tssh reserrfes required to meet any shortfalls in cash r￿lpt$ over payments. Approved by the Trustees on 19 February 2024 and signed on their behalf . Chair, Rev Canon BrerKlan Giblin

PAROCHIAL CHURCH COUNCIL

OF

KIRKBY STEPHEN

WITH MALLERSTANG CROSBY GARRETT AND SOULBY

FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023

Registered Charity Number 1132029

1

United Benefice of Kirkby Stephen with Mallerstang, Crosby Garrett and Soullby Statement of Financial Activities For the period from 01 January 2023 to 31 December 2023

Unrestricted Restricted Endowment Total Prior year
funds funds funds funds total funds
Incoming resources
Incoming resources from generated funds
Voluntary income 58,955 64,312 123,267 51,678
Activities for generating funds 2,413 2,413 783
Investment income 1,354 18,216 19,570 18,083
Incoming resources from charitable activities 10,373 65 10,438 12,911
Other incoming resources 3,378 -473 2,905 2,094
Total income 76,473 82,121 158,593 85,549
Resources used
Cost of generating funds
Cost of generating voluntary income 106 106 358
Fundraising trading cost of goods sold and other costs
Investment management costs 1,789 1,789
Charitable activities 86,264 8,891 95,155 64,858
Governance costs 1,102 2,464 3,565 2,379
Other resources used
Total expenditure 87,472 13,145 100,616 67,596
Net income / (expenditure) resources before transfer -10,999 68,976 57,977 17,953
Transfers:
Gross transfers between funds - in
Gross transfers between funds - out
Other recognised gains / losses
Gains/losses on investment assets 2,599 2,599 -4,627
Gains on revaluation, fixed assets, charity's own use
Net movement in funds -11,000 71,576 60,576 13,326
Reconciliation of funds
Total funds brought forward 91,145 649,519 740,664 727,337
Total funds carried forward 80,145 721,095 801,240 740,664

There may be minor discrepancies in the totals if the pence are not being shown

United Benefice of Kirkby Stephen with Mallerstang. Crosby Garrett and Soullby Balance Sheet (Summary) Aat 12131RDZ3 As•t 1Z13112022 Fi¥q(l 315.255 315.545 69.173 384.428 381.933 current assets 19.289 403.4TI 422.765 11.104 Cash Al Bankknd In H•vJ 363,930 L53￿1￿0$ cr￿it￿ AJY￿1 F￿￿¥￿ In 5.199 5,199 5.954 Net current assets * current Iiablths 416.812 358.731 Total 859ets ￿3S current liabilrt eA)1240 740.664 Liabilth•s Tolal nel assets less IHLylibes 1240 740,864 Rkprégéntèd by Unrestricted 80.145 91.145 Designate RE3tri¢tfd Re¥ttthd. B Fatrant Re5thcled- Chancd cathl RE51nthd. ch￿{ Ir¢ ReSt￿ted. Cwdren's Furwj 8.951 6.170 165 201 4.(rf9 705 REsttKtrd. FurNI 1.833 Resiti(tyJ. Fats¢Wey Cwky)¢k 103.231 147 103.231 147 Restrthd. INTERNAL LAYour PROJECT RestrKted. LEGACIES Resthcted. AlwnlenarKe Developrnenl FuTrJ 32,6ts1 32.516 gan Fund ResltKW. P Nryl 3.610 5T8 578 Rg¥trthd. FurN1 ReSIr￿￿1. S￿lty F￿j RestriEW. ftheAd FufAI Re5tnded. & 29.908 29.3$8 1.835 29,926 437.047 63.812 4￿.727 Reslrthl.Vk*è W Scoit Fund TDtals

1240 740.664 Approved by the Parochial Churth Counul on 4t￿P+1￿￿8￿d swJne(l on its behaff by Chair. Canon BrerKlan Giblin

3

United Benefice of Kirkby Stephen with Mallerstang, Crosby Garrett and Soulby

For the year ended 31 December 2023

ACCOUNTING POLICIES

Basis of financial statements

The financial statements have been prepared under the Church Accounting Regulations 2006 together with applicable accounting standards and the current Statement of Recommended Practice, Accounting and Reporting by Charities and applicable accounting standards FRS 102.

The financial statements have been prepared under the historic cost convention except for investment assets, which are shown at market value. The financial statements include all transactions, assets and liabilities for which the PCC is responsible in law. They do not include the accounts of church groups that owe their main affiliation to another body, nor those that are informal gatherings of church members.

Endowment funds are funds, the capital of which must be retained either permanently or at the PCC’s discretion; the income derived from the endowment is to be used either as restricted or unrestricted funds depending upon the purpose for which the endowment was established in the first place.

Restricted funds comprise revenue donations or grants for a specific PCC activity intended by the donor. Where these funds have unspent balances, interest on their pooled investment is apportioned to the individual funds on an average balance basis.

Unrestricted funds are income funds which are to be spent on the PCC’s general purposes.

Designated funds are general funds set aside by the PCC for use in the future. Project funds are designated for particular projects for administration purposes only. Funds designated as invested in fixed assets for the PCC’s own use are abated in line with those assets’ depreciation charges in the SOFA. Designated funds remain unrestricted and the PCC will move any surplus to other general funds.

Incoming resources

Planned giving, collections and similar donations are recognised when received. Tax refunds are recognised when the incoming resource to which they relate is received. Grants and legacies are accounted for when the PCC is legally entitled to the use of the resources, their ultimate receipt is considered reasonably certain and the amounts due are readily quantifiable. Dividends are accounted for when declared receivable, interest as and when accrued by the payer. All other income is recognised when it is receivable. All incoming resources are accounted for gross.

Resources expended

Grants and donations are accounted for when paid over, or when awarded, if that award creates a binding or constructive obligation on the PCC. The diocesan parish offer expected to be paid over is accounted for when due. All other expenditure is generally recognised when it is incurred and accounted for gross.

Fixed assets

Consecrated and benefice property is not included in the accounts in accordance with s 10(2)(a) and (c) of the Charities Act 2011.

Movable church furnishings held by the vicar and churchwardens on special trust for the PCC and which require a faculty for disposal are inalienable property, listed in the church’s inventory which can be inspected (at any reasonable time).

Equipment used within the church premises is depreciated on a straight-line basis over four years. Individual items of equipment with a purchase price of £500 or less are written off when the asset is acquired.

Investments are valued at market value on 31 December.

4

United Benefice of Kirkby Stephen with Mallerstang, Crosby Garrett and Soullby

Analysis of income Selected period: 01 January 2023 to 31 December 2023

Total Total
General Designated Restricted Endowment This year Last year
Incoming resources
Incoming resources from generated funds
1010 - Planned giving - gift aided 24,974 - 24,974 22,250
1011 - Tax recoverable 12,065 - 12,065 8,187
1012 - Planned giving - non gift-aided 3,805 - 3,805 4,628
1013 - Collections 5,171 - 5,171 6,009
1014 - Gift days - - - -
1015 - Donations - gift-aided one-off 3,488 - 3,488 1,741
1016 - Offertory box 1,823 - 1,823 1,650
1017 - Donations - other 7,562 501 8,062 4,191
1018 - Legacies - 63,812 63,812 3,000
1019 - Just Giving Donations 68 - 68 22
1030 - Special events - fund raising 2,413 - 2,413 650
1031 - Fund-raising - rest fund - - - 133
1040 - Interest and dividends 1,354 3,685 5,039 2,974
1045 - Income from investment properties - 14,531 14,531 15,110
Incoming resources from generated funds Totals 62,722 82,528 145,250 70,544
Incoming resources from charitable activities
1050 - Statutory fees 3,030 - 3,030 5,491
1051 - Extra Parish Fees 360 65 425 965
1053 - Magazine advertising 1,733 - 1,733 1,291
1054 - Magazine subscriptions 1,361 - 1,361 864
1057 - Rental income 3,890 - 3,890 4,300
1058 - Choir fees - - - -
Incoming resources from charitable activities Totals 10,373 65 10,438 12,911
Other incoming resources
1060 - VAT recoverable 957 -473 484 2,094
1061 - Other income 2,421 - 2,421 -
1070 - Parish Offer contributions - - - -
1071 - Vicarage maintenance reimbursement - - - -
1072 - Shared expenses reimbursement - - - -
1075 - Suspense - - - -
Other incoming resources Totals 3,378 -473 2,905 2,094
Incoming resources Grand totals 76,473 82,121 158,593 85,549

5

United Benefice of Kirkby Stephen with Mallerstang, Crosby Garrett and Soullby

Analysis of expenditure Selected period: 01 January 2023 to 31 December 2023

Total Total
General Designated Restricted Endowment This year Last year
Resources used
Cost of generating funds
2028 - Investment Properties Maintenance 1,789.42 1,789.42
2061 - Fund raising costs 177.28
2062 - Printing of stewardship envelopes 105.95 105.95 180.93
Cost of generating funds Totals 105.95 1,789.42 1,895.37 358.21
Charitable activities
2010 - Charitable giving - overseas
2011 - Charitable giving - secular
2012 - Charitable giving - home
2015 - Diocesan parish offer 40,500.05 40,500.05 30,000.00
2016 - Other ministry costs 360 360 300
2020 - Cleaning 4,056.00 4,056.00 4,284.00
2021 - Electricity 11,305.85 11,305.85 5,476.70
2022 - Gas 7,150.50 7,150.50 4,799.86
2023 - Repairs and maintenance 3,174.67 3,581.91 6,756.58 2,444.11
2024 - Security system 2,216.40 404.24 2,620.64 1,556.39
2025 - Fabric 360 360 1,478.67
2026 - Churchyard 915.73 915.73 869.1
2027 - Vicarage maintenance 423.02 423.02
2028 - Investment Property maintenance
2029 - Water Rates 73.24 73.24 71.75
2030 - Insurance 8,018.41 2,253.77 10,272.18 7,382.43
2031 - Service expenses 1,009.31 1,009.31 399.87
2032 - Priests' expenses 2,129.39 2,129.39 243.9
2033 - Organ expenses 559.2 559.2 559.2
2034 - Choir expenses 127 127 110
2035 - Printing and stationery 929.19 929.19 1,025.69
2036 - Expenses incurred re new priest 975.26 975.26 1,202.59
2037 - Management and administration 893.85 893.85 760.89
2038 - Gifts 198 198 45
2039 - Training
2040 - Youth work
2041 - Childrens' expenses
2042 - Magazine Printing 888 888
2044 - Depreciation 2,311.53 2,311.53 1,848.33
2045 - Sundry epenses 0.94 340 340.94
Charitable activities Totals 86,264.01 8,891.45 95,155.46 64,858.48
Governance costs
2071 - Independent examiner's fee 542 542 564
2072 - Architect's fees 559.56 568.8 1,128.36 520
2073 - Land agent's fees 1,895.12 1,895.12 1,295.12
2074 - Other governance
Governance costs Totals 1,101.56 2,463.92 3,565.48 2,379.12
Other resources used
2075 - Suspense
Other resources used Totals
Resources used Grand totals 87,471.52 13,144.79 100,616.31 67,595.81

6

Notes to the financial statements

for the year ended 31 December 2023

FIXED ASSETS

(a) TANGIBLE
Freehold land and buildings:
Cost
At 1 January and at
31 December
Depreciation
At 1 January and at
31 December
NBV
At 31 December
Church equipment:
Cost:
At 1 January
Additions
At 31 December
Depreciation:
At 1 January
Charge for year
At 31 December
NBV
At 31 December
Unrestricted
2023
£
30,000
-
30,000
8,176
-
8,176
8,176
-
8,176
-
Restricted
2023
£
280,000
-
280,000
14,296
2,021
16,317
8,751
2,312
11,063
5,255
Total
2023
£
310,000
-
310,000
22,472
2,021
24,493
16,927
2,312
19,239
5,255
Total
2022
£
310,000
-
310,000
22,472
-
22,472
15,079
1,848
16,927
5,545

The unrestricted freehold land and buildings comprise Church House, Kirkby Stephen. Equipment consists of a printer, a tractor mower, the sound system, chairs and trolley and tables, storage heaters and CCTV System

The restricted freehold land and buildings comprise those land and buildings known as Duckintree Farm and Duckintree House, Kaber, Kirkby Stephen. These came into the possession of the Church in 2002 on the cessation of the Mary Alderson, deceased, Trust under the terms of her will, at a value of £225,000. Also included are pieces of land at Nateby and Soulby which are let for grazing, valued at £55000.

(b) INVESTMENT
Market value at 1 January
Additions
Unrealised revaluation gain/(loss)
Transfer of Capital
Market value at 31 December
Unrestricted
2023
£
-
-
-
-
-
Restricted
2023
£
66,387
187
2,599

-
69,173
Total
2022
£
70,832
181
4,626
-
-
66,387

7

Notes to the financial statements

for the year ended 31 December 2023

DEBTORS AND PREPAYMENTS

Gift aid recoverable
VAT recoverable
Rent
Reimbursements
Interest receivable
Fees
Other
Prepayments
CREDITORS AND ACCRUED INCOME
Amounts falling due in one year:
Heat and Light
Cleaning
Priests' expenses
Professional fees
Repairs
Reimbursements
Other
Unrestricted
Restricted
Total
2023
2023
2022
£
£
£
11,118
5,019
765
1,006
2,094
3,409
3,409
-
141
1,066
71
-
1,110
512
674
-
13,807
5,481
11,105
Unrestricted
Restricted
Total
2023
2023
2022
£
£
£
2,988
2,029
702
312
1,404
-
578
600
1,486
496
-
615
5,671
600
4,938

DONATIONS MADE IN 2023

Children's Society 536
Bishops Harvest for the Hungry 372
Royal British Legion 801

8

Parochial Church Council of Kirkby Stephen with Mallerstang, Crosby Garrett and Soulby Restricted Fund movement

01 January 2023 to 31 December 2023

Fund
KIRKBY STEPHEN
CROSBY GARRETT
MALLERSTANG
MDF - Maintenance and Development Fund
Leg - Legacies
PCC Funds
Soulby Church trust
Giles Thompson
GRAND TOTAL
BFar - B Farrant
Chancca - Chancel capital
TITHE - Tithe Act Fund
VCW - Vicar & Churchwardens fund
CHIL - Children's Fund
CHOIR - Choir Fund
ORGAN - Mary Thompson
RESTR - Restricted Fund
INTERNAL - Internal Layout
VMS -Vida Mary Scott
F-C - Fazackerley Coppock 1
PNort - P Norton
Restora - Restoration
Chancin - Chancel inc
Don - Donations
Brought Forward
Movement
Carried Forward
4069
0
4069
705
65
770
0
-569
-569
3610
150
3760
29908
161
30069
1835
114
1949
430727
6320
437047
6170
781
6951
165
16
181
201
5
206
1833
-170
1663
3464
161
3625
578
0
578
32516
165
32681
103230
0
103230
1000
0
1000
0
63812
63812
29358
567
29925
147
0
147
649516
71578
721094

Intrndent examiner's report to the PCC of Kithby Stephen Partsh Church ilh MaVa5tang. Crosby Garrett and Soulby I report on the accounts for eNled 31° December 2023 whK are set on pages 1 to 8. Rapon•lbllltl•s and ba81s of report As the charity twstees of the Trust you aTe reSp￿ls￿ for the preparation of the accounts in accordance with the requirements of the Chafiis Act 2011 (Ihe Arf). I report in respect of my examinalKn of the Trusfs accounts carmj out sectKJn 145 of the 2011 Act arKI in carying out my examination I have folknwj all the applicable directions given by the Charity Conimission under sectth￿ 145(5Mb) of the ACL I have completed my examKAiK)n. I confinn that no material matters have ceme to my attention in connection with the examination gMTrJ me cause lo believe that in any material ￿pecL 1. accounting Tecorfs not kept in respect of ts Tnjst as requlred by section 130 of the Act; or 2. the accounts do not accord with those records; or 3. the accounts do ftot compty appli(2ble requwennts con￿mm￿j ts fomi aThJ content of accounts set out in the Chartties (A￿nts and ReF￿rts) Regulat￿n5 2(X)8 other than any requirernenl thal the accounts give a and fair vthich is not a matter consKJerJ as part of an independent examination. 4. the accounts have not been prepared in accordan￿ wilh the meth(￿$ arKI winciples of the Statement of Recommerxled Practice for acL¥JuntiNJ and reporting by chafiits [applicth to harlies preparing their accounts in accordance with the Fvwn¢ial Rep￿t￿￿j Standard appkable in the UK and Republic of Ireland {FRS 102)]. I haNE no con¢ems and have clxne a(xoss no other matters in Cfffinection examinat￿ to vthich attention slK>uld be dra¥m in thi5 report ) order to en•l8 a understanding of the accounts to be react￿1. Signed Oat8J Stephen Bames Accountancy Ltd Brough SO￿[bY Kirkby Stephen. Cumbria, CA17 4EG

Intrndent examiner's report to the PCC of Kithby Stephen Partsh Church ilh MaVa5tang. Crosby Garrett and Soulby I report on the accounts for eNled 31° December 2023 whK are set on pages 1 to 8. Rapon•lbllltl•s and ba81s of report As the charity twstees of the Trust you aTe reSp￿ls￿ for the preparation of the accounts in accordance with the requirements of the Chafiis Act 2011 (Ihe Arf). I report in respect of my examinalKn of the Trusfs accounts carmj out sectKJn 145 of the 2011 Act arKI in carying out my examination I have folknwj all the applicable directions given by the Charity Conimission under sectth￿ 145(5Mb) of the ACL I have completed my examKAiK)n. I confinn that no material matters have ceme to my attention in connection with the examination gMTrJ me cause lo believe that in any material ￿pecL 1. accounting Tecorfs not kept in respect of ts Tnjst as requlred by section 130 of the Act; or 2. the accounts do not accord with those records; or 3. the accounts do ftot compty appli(2ble requwennts con￿mm￿j ts fomi aThJ content of accounts set out in the Chartties (A￿nts and ReF￿rts) Regulat￿n5 2(X)8 other than any requirernenl thal the accounts give a and fair vthich is not a matter consKJerJ as part of an independent examination. 4. the accounts have not been prepared in accordan￿ wilh the meth(￿$ arKI winciples of the Statement of Recommerxled Practice for acL¥JuntiNJ and reporting by chafiits [applicth to harlies preparing their accounts in accordance with the Fvwn¢ial Rep￿t￿￿j Standard appkable in the UK and Republic of Ireland {FRS 102)]. I haNE no con¢ems and have clxne a(xoss no other matters in Cfffinection examinat￿ to vthich attention slK>uld be dra¥m in thi5 report ) order to en•l8 a understanding of the accounts to be react￿1. Signed Oat8J Stephen Bames Accountancy Ltd Brough SO￿[bY Kirkby Stephen. Cumbria, CA17 4EG