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2025-01-15-accounts

The Whitewater Charitable Trust 1146069 Receipts and payments accounts CC16a For the period Period start date Period end date To from 16.01.2024 15.01.2025

Section A Receipts and payments

A1 Receipts Unrestricted
funds
to the nearest
£
48,811
7,856
-
-
-
-
-
-
56,667
-
-
-
56,667
15,000
-
15,679
279
1,200
180
-
-
32,338
-
-
-
32,338
24,329
15,578
81,217
121,124		 Restricted
funds
to the nearest £
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-		 Endowment
funds
to the nearest £
-
-
-
-
-
-
-
-
-
1,787,819
-
1,787,819
1,787,819
-
8,999
-
-
-
-
-
8,999
1,767,100
-
1,767,100
1,776,099
11,720
-
15,578
65,703
61,844		 Total funds
to the nearest £
48,811
7,856
-
-
-
-
-
-
56,667
1,787,819
-
1,787,819
1,844,485
15,000
8,999
15,679
279
1,200
180
-
-
41,337
1,767,100
-
1,767,100
1,808,437
36,049
-
146,920
182,968		 Last year
to the nearest £
Income from investments 48,811 45,199
Interest received 7,856 5,702
- -
- -
- -
- -
- -
- -
Sub total(Gross income for
AR)		 56,667 50,901
A2 Asset and investment sales,
(see table).
Sale of investments - 898,848
- -
Sub total - 898,848
Total receipts
A3 Payments
949,749
Grants awarded 15,000 100,000
Investment management fees (VAT
inclusive)		 - 8,827
Trust administration fees (VAT inclusive) 15,679 13,328
Cash management fees 279 308
Accountancy 1,200 -
Independent Examiners fees 180 780
- -
- -
Sub total 32,338 123,243
A4 Asset and investment
purchases, (see table)
Investmentpurchases - 899,603
-
Sub total - 899,603
Total payments
Net of receipts/(payments)
A5 Transfers between funds
A6 Cash funds last year end
Cash funds this year end
1,022,846
24,329 - 11,720 36,049 -
73,097
15,578 -
15,578		 - -
81,217 65,703 146,920 220,017
121,124 - 61,844 182,968 146,920

CCXX R1 accounts (SS)

13/11/2025

1

Section B Statement of assets and liabilities at the end of the period

Categories
Signed by one or two trustees on
behalf of all the trustees
B5 Liabilities
B3 Investment assets
B2 Other monetary assets
B4 Assets retained for the
charity’s own use
B1 Cash funds		 Details
Investment portfolio
Details
Details
Details
Total cash funds
(agree balances with receipts and payments
account(s))
Details
Capital account
Income account
Signature		 Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
121,124
-
-
121,124
-
OK
OK
Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
-
-
-
-
-
-
-
-
-
-
Fund to which
asset belongs
Cost (optional)
Endowment
-
-
-
-
-
Fund to which
asset belongs
Cost (optional)
-
-
-
-
-
-
-
-
-
Fund to which
liability relates
Amount due
(optional)
-
-
-
-
Print Name
Chris Thurlowon behalf of Ludlow
Trust CompanyLimited		 Endowment
funds
to nearest £
61,844
-
-
61,844
OK
Endowment
funds
to nearest £
-
-
-
-
-
-
Current value
(optional)
2,149,508
-
-
-
-
Current value
(optional)
-
-
-
-
-
-
-
-
-
When due
(optional)
Date of
approval
Chris Thurlowon behalf of Ludlow
Trust CompanyLimited		 14/11/25

CCXX R2 accounts (SS)

13/11/2025

2

Trustees’ Annual Report for the period

From 16 January 2024 To 15 January 2025

Charity name: The Whitewater Charitable Trust Charity registration number: 1146069

Objectives and Activities

SORP reference
Summary of the purposes of
the charity as set out in its
governing document		 Para 1.17 The object of the charity are to further such
objects or purposes which are exclusively
charitable according to the law of England
and Wales in any part of the world and in
such manner as the Trustees may in their
absolute discretion think fit.
Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or
services identified in the
accounts.		 Para 1.17 and
1.19		 In furtherance of the charity’s objects for the
public benefit the trustees provide grants.
Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit		 Para 1.18 In determining the charity’s activities the
trustees have had regard to the Charity
Commission’s guidance on public benefit.

Additional information (optional) You may choose to include further statements where relevant about:

SORP reference
Policy on grant making Para 1.38
Policy on social investment
including program related
investment		 Para 1.38
Contribution made by
volunteers		 Para 1.38
Other

Achievements and Performance

SORP reference
Summary of the main
achievements of the charity,
identifying the difference the
charity’s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.		 Para 1.20 During the year under review the charity
made one grant award to St Michael’s
Hospice of £15,000.

Additional information (optional) You may choose to include further statements where relevant about:

Achievements against
objectives set		 Para 1.41
Performance of fundraising
activities against objectives
set		 Para 1.41
Investment performance
against objectives		 Para 1.41
Other

Financial Review

Review of the charity’s
financial position at the end
of the period		 Para 1.21 At the end of the reporting period the charity
had free reserves of £121,124.02 (2024:
£81,216.88.)
In addition to the free reserves the charity
has bank balances of £61,844
(2024:
£65,703)
and
investments
valued
at
£2,149,508
within
the
expendable
endowment fund.
The Trustees pursue a policy of maintaining
a free reserve available to be spent in the
furtherance of the charity’s objectives as
well as covering future needs, opportunities,
contingencies and risks.
Statement explaining the
policy for holding reserves
stating why they are held		 Para 1.22
Amount of reserves held Para 1.22
Reasons for holding zero
reserves		 Para 1.22
Details of fund materially in
deficit		 Para 1.24
Explanation of any
uncertainties about the
charity continuing as a going
concern		 Para 1.23

Additional information (optional) You may choose to include further statements where relevant about:

The charity’s principal sources of funds (including any fundraising) Para 1.47

Investment policy and
objectives including any
social investment policy
adopted		 Para 1.46
A description of the principal
risks facing the charity		 Para 1.46
Other Expendable endowment funds are those
which are required to be invested to produce
income but which may be transferred to
unrestricted funds at the discretion of the
trustees in order that they may be expended
in furtherance of the charity’s objectives.
Unrestricted income funds are available for
use at the discretion of the trustees in
furtherance of the general objectives of the
charity and which have not been designated
for other purposes.

Structure, Governance and Management

Description of charity’s
trusts:
Type of governing document
(trust deed, royal charter)		 Para 1.25 Trust deed dated 15 January 2012
How is the charity
constituted?
(e.g unincorporated
association, CIO)		 Para 1.25 Trust
Trustee selection methods
including details of any
constitutional provisions e.g.
election to post or name of
any person or body entitled
to appoint one or more
trustees		 Para 1.25 Trustees are appointed by the settlor during
his lifetime and subject to this by the
trustees.

Additional information (optional) You may choose to include further statements where relevant about:

Policies and procedures
adopted for the induction
and training of trustees		 Para 1.51
The charity’s organisational
structure and any wider
network with which the
charity works		 Para 1.51
Relationship with any related
parties		 Para 1.51 No trustee received any remuneration or
was reimbursed any expenses in the year
under review.

Ludlow Trust Company Limited was paid £15,958 for trust administration services during the year under review. These fees are authorized under clause 6 of the trust deed. Other

Reference and Administrative details

Charity name The Whitewater Charitable trust
Other name the charity uses
Registered charity number 1146069
Charity’s principal address Ludlow Trust Company Ltd
Trustees Department
1stFloor, Tower Wharf
Cheese Lane, Bristol
BS2 0JJ

Names of the charity trustees who manage the charity

1
2
3
4
5
6
7		 Trustee name Office (if any) Dates acted if not for whole
year		 Name of person (or body) entitled
to appoint trustee (if any)
John P McMonigall
Ludlow Trust
CompanyLimited

8 9 10 11 12 13 14 15 16 17 18 19 20

– Corporate trustees names of the directors at the date the report was approved Director name Gary St John Collins Walter Duncan Coxon Ali Reza Sarikhani Ziba Christina Sakine Sarikhani Christopher Ian Thurlow Matthew John Wickers

Name of trustees holding title to property belonging to the charity

Trustee name Dates acted if not for whole year Funds held as custodian trustees on behalf of others Description of the assets held in this capacity Name and objects of the charity on whose behalf the assets are held and how this

Funds held as custodian trustees on behalf of others

falls within the custodian charity’s objects Details of arrangements for safe custody and segregation of such assets from the charity’s own assets

Additional information (optional)

Names and addresses of advisers (Optional information)

Names and addresses of advisers (Optional information) Names and addresses of advisers (Optional information) Names and addresses of advisers (Optional information)
Type of adviser
Name
Address
Investment Managers Coutts & Co 440 The Strand, London, WC2R 0QS
Bankers Coutts & Co 440 The Strand, London, WC2R 0QS
Accountants Charter Tax Consulting
Ltd		 8th Floor, 1 Southampton Street, London
WC2R 0LR

Name of chief executive or names of senior staff members (Optional information)

Exemptions from disclosure

Reason for non-disclosure of key personnel details

Other optional information

Declarations

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Full name(s) Chris Thurlow on behalf of Ludlow Trust Company Limited Position (eg Secretary, Chair, etc) Date 14/11/25

2025-11-14Whitewater-Accounts

Final Audit Report

2025-11-14

Created: 2025-11-14 By: Estera Rzepus (Estera.Rzepus@ludlowtrust.com) Status: Signed Transaction ID: CBJCHBCAABAALrevkw1WSxmbfwFiMvKEVpVy5ZQ6um6-

"2025-11-14Whitewater-Accounts" History

Document created by Estera Rzepus (Estera.Rzepus@ludlowtrust.com) 2025-11-14 - 3:22:13 PM GMT

Document emailed to Chris Thurlow (chris.thurlow@ludlowtrust.com) for signature 2025-11-14 - 3:22:18 PM GMT

Email viewed by Chris Thurlow (chris.thurlow@ludlowtrust.com) 2025-11-14 - 3:23:50 PM GMT

Document e-signed by Chris Thurlow (chris.thurlow@ludlowtrust.com) Signature Date: 2025-11-14 - 3:24:03 PM GMT - Time Source: server

Agreement completed.

2025-11-14 - 3:24:03 PM GMT

Independent examiner's report on the accounts

Section A Independent Examiner’s Report

Report to the trustees/ Charity Name The Whitewater Charitable Trust members of On accounts for the year 15 January 2025 Charity no 1146069 ended (if any) Set out on pages Financial statements page 1-2 Trustee report page 3-13 (remember to include the page numbers of additional sheets)

I report to the trustees on my examination of the accounts of the above charity (“the Trust”) for the year ended 15/01/2025.

I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination which gives me cause to believe that in, any material respect:

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Date: 14/11/2025 Signed: Name: Ian Rodd Relevant professional BSc FCA FCCA qualification(s) or body (if any): Address: TC Group 10 Bridge Street, Christchurch Dorset BH23 1EF

1

IER

Section B Disclosure

Only complete if the examiner needs to highlight matters of concern (see CC32, Independent examination of charity accounts: directions and guidance for examiners).

Give here brief details of any items that the examiner wishes to disclose .

n/a

2

IER