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The Whitewater Charitable Trust 1146069
Receipts and payments accounts CC16a
For the period 16/01/2025 15/01/2026
To
from
Section A Receipts and payments
Unrestricted Restricted Endowment
Total funds Last year
funds funds funds
to the nearest £ to the nearest £ to the nearest £ to the nearest £ to the nearest £
A1 Receipts
Income from investments 32,580 - - 32,580 48,811
Interest received 6,453 - - 6,453 7,856
- - - - -
- - - - -
Sub total (Gross income for
39,033 - - 39,033 56,667
AR)
A2 Asset and investment sales,
(see table).
Sale of investments - - 442,788 442,788 1,787,819
- - - - -
Sub total - - 442,788 442,788 1,787,819
Total receipts 39,033 - 442,788 481,821 1,844,486
A3 Payments
Grants awarded 50,000 - - 50,000 15,000
Investment Manager Fees - - 9,983 9,983 8,999
Trust administration fees 9,749 - - 9,749 15,679
Cash management charges 281 - - 281 279
Accountancy - - - - 1,200
Independent Examiners fees 630 - - 630 180
- - - - -
Sub total [ 60,660 ] - 9,983 70,643 41,337
A4 Asset and investment
purchases, (see table)
Investment purchases - - 436,412 436,412 1,767,100
- - - -
Sub total [ - ] - 436,412 436,412 1,767,100
Total payments 60,660 - 446,395 507,055 1,808,437
Net of receipts/(payments) - 21,627 - - 3,607 - 25,234 36,049
A5 Transfers between funds 9,836 - 9,836 - -
A6 Cash funds last year end 121,124 61,844 182,968 146,920
Cash funds this year end 109,333 - 48,401 157,734 182,968
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CCXX R1 accounts (SS)
01/07/2026
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 £ - - 109,333 - - - 109,333 - 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 Stuart Robinson on behalf of Ludlow Trust Company Limited |
Endowment funds to nearest £ 48,401 - - |
|---|---|---|---|
| 48,401 | |||
| OK | |||
| Endowment funds to nearest £ - - - - - - Current value (optional) 2,348,780 - - - - Current value (optional) - - - - - - - - - When due (optional) Date of approval |
CCXX R2 accounts (SS)
01/07/2026
2
Trustees’ Annual Report for the period
From 16[th] January 2025 To 15[th] January 2026
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 grants to the following charities totalling £50,000. • United Kingdom Sepsis Trust Limited £50,000 |
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 £109,333 (2025: £121,124). In addition to the free reserves the charity has bank balances of £48,401 (2025: £61,844) and investments valued at £2,348,780 within the expendable |
|---|---|---|
| endowment fund which can be released to support the activities of the charity. |
||
|---|---|---|
| Statement explaining the policy for holding reserves stating why they are held |
Para 1.22 | 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. |
| 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)
| Additional information (optional) | Additional information (optional) | 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 | Para 1.25 | Trust deed dated 15 January 2012 |
| How is the charity constituted? |
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 for any expenses in the year under review. Ludlow Trust Company Ltd was paid £10,030 for trust administration and cash management fees during the year under review. These fees are authorised under clause 6 of the trust deed. |
| Other |
Reference and Administrative details
| Charity name | The Whitewater Charitable Trust |
|---|---|
| Other name the charity uses | No other names |
| Registered charity number | 1146069 |
| Charity’s principal address | Ludlow Trust Company Limited Tower Wharf Cheese Lane BRISTOL BS2 0JJ |
Names of the charity trustees who manage the charity
| Trustee Name | Office (If Any) | Dat acted for if not whole year | Name of person (or body) entitled to appoint trustee (if any) |
|---|---|---|---|
| Ludlow Trust Company Limited |
|||
| John Phillips McMonigall |
– Corporate trustees names of the directors at the date the report was approved Director name Alexander Edward Mulroe 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 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)
| Type of adviser | Name | Address |
|---|---|---|
| Investment Managers | Coutts & Co | 440 Strand London WC2R 0QS |
| Bankers | Coutts & Co | 440 Strand London WC2R 0QS |
| Accountants | Charter Tax Consulting Limited |
8th Floor, 1 Southampton St, 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) Stuart Robinson on behalf of Ludlow Trust Company Limited Position (eg Secretary, Chair, etc)
Date
Document Activity Report
Document Sent Mon, 20 Jul 2026 08:56:55 GMT Document Approval Status Approved Approval Activity Summary Stuart Robinson Approved Mon, 20 Jul 2026 15:18:47 GMT Document Activity History Document history shows most recent activity first Date Activity Mon, 20 Jul 2026 15:18:41 GMT Stuart Robinson viewed the document
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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 2026 Charity no 1146069 ended (if any) Set out on pages Financial statements page 1-2 Trustee report page 3-11 (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 15/01/2026.
- Responsibilities and As the charity trustees of the Trust, you are responsible for the preparation basis of report of the accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).
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:
-
accounting records were not kept in accordance with section 130 of the Act or
-
the accounts do not accord with the accounting records
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: 24/07/2026 Signed: Name: Ian Rodd Relevant professional BSc FCA FCCA qualification(s) or body (if any): Address: TC Group Waverley house 115 – 119 Holdenhurst Road, Bournemouth BH8 8DY
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