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2025-03-31-accounts

REGISTERED CHARITY NUMBER: 1153543

REPORT OF THE TRUSTEES AND

UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025

FOR

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

Beacons Chartered Accountants

30 High Street Wendover Buckinghamshire HP22 6EA

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025

Page
Report of the Trustees 1 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5
Balance Sheet 6
Notes to the Financial Statements 7 to 14
Detailed Statement of Financial Activities 15 to 16

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 MARCH 2025

The trustees present their report with the financial statements of the charity for the year ended 31 March 2025. 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 main objectives of the charity are :

1) the advancement of amateur sport by promoting the game of duplicate bridge for the public benefit.

In support of Object (1) the charity has :

In support of Object (2) the charity has :

Grantmaking

The Trustees have an approved policy for grant making which is publicised on the Charity's website.

ACHIEVEMENTS AND PERFORMANCE

The main achievements of the Charity during the year were :

University of Sterling £250
Durham University £300
Bristol University £ 86

Page 1

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 MARCH 2025

FINANCIAL REVIEW

Principal funding sources

The Charity raised funds from :

  1. Surplus on primary purpose trading.

  2. Fundraising - two national events (Autumn and Spring Simultaneous Pairs).

  3. Donations and legacies

  4. Income from investments

All expenditure has been spent on furthering the main objectives of the Charity. In making decisions about expenditure, the Trustees have had regard to the Charity Commission's guidance on Public Benefit.

All funds not invested are held either at banks or immediately available money market accounts.

Reserves policy and subsequent events

The reserves as at March 2025 stood at £872,657. The charity received a further £100,000 during the year from the same generous legacy.

EBED faces some financial pressure in the future from the loss of its annual donation from the English Bridge Union Limited, and the trend towards digitalisation reducing future book sales and income from training teachers. The Trustees are actively looking for other sources of income to replace this. These include greater encouragement of donations and legacies and using the income from investments.

EBED has therefore adopted the following reserves policy:

Funds in deficit

There are no funds in deficit at the Balance Sheet date.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is controlled by its governing document, a constitution, and constitutes as a charitable incorporated organisation (CIO).

Recruitment and appointment of new trustees

Three of the Trustees were appointed by the English Bridge Union Limited and one selected by the Trustees of English Bridge Education and Development. It is the intention to select more Trustees.

Related parties

The charity has a close working relationship with the National Body for duplicate bridge in England - The English Bridge Union Limited. The English Bridge Union Limited makes significant charitable donations to the charity the details of which can be found in Note 20 to these financial statements.

The charity periodically pays certain trustees for teaching services as set out in Note 10 to these financial statements. The rates paid are in accordance with standard rates paid to third parties.

REFERENCE AND ADMINISTRATIVE DETAILS Registered Charity number

1153543

Page 2

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

REPORT OF THE TRUSTEES

FOR THE YEAR ENDED 31 MARCH 2025

Principal address

Broadfields Bicester Road Aylesbury Buckinghamshire HP19 8AZ

Trustees

I Sidgwick P Gibbons (resigned 23.5.24) A Smith (resigned 27.5.25) T Cherrett (appointed 7.5.24) W Bourne (appointed 23.5.24)

Independent Examiner

Anthony Parks ACA Beacons Chartered Accountants 30 High Street Wendover Buckinghamshire HP22 6EA

Approved by order of the board of trustees on 25 November 2025 and signed on its behalf by:

W Bourne - Trustee

Page 3

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

Independent examiner's report to the trustees of English Bridge Education and Development

I report to the charity trustees on my examination of the accounts of English Bridge Education and Development (the Trust) for the year ended 31 March 2025.

Responsibilities and basis of report

As the charity trustees of the Trust you are responsible for the preparation 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 Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under Section 145(5)(b) of the Act.

Independent examiner's statement

Since your charity's gross income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am qualified to undertake the examination because I am a member of the Institute of Chartered Accountants in England and Wales, which is one of the listed bodies.

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

  1. accounting records were not kept in respect of the Trust as required by Section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 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.

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.

Anthony Parks ACA The Institute of Chartered Accountants in England and Wales

Beacons Chartered Accountants 30 High Street Wendover Buckinghamshire HP22 6EA

25 November 2025

Page 4

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2025

Unrestricted
fund
Notes
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
128,725
Charitable activities
5
Junior Events
15,905
Teacher training and EBTA
35,330
Provision of training materials
79,838
T D Training
41,548
Other trading activities
3
28,672
Investment income
4
29,452
Other income
-
Total
359,470
EXPENDITURE ON
Raising funds
6
4,063
Charitable activities
7
Junior Events
27,129
Teacher training and EBTA
46,212
Provision of training materials
26,383
T D Training
32,347
Youth
69,597
Minibridge
-
General charitable expenditure
57,362
Donations
10,378
Bridge For Youth
-
E-Learning
6,230
Youth Bridge Grand Prix
148
Total
279,849
Net gains on investments
10,579
NET INCOME/(EXPENDITURE)
90,200
RECONCILIATION OF FUNDS
Total funds brought forward
771,611
TOTAL FUNDS CARRIED FORWARD
861,811
Restricted
funds
£
-
-
-
-
-
-
-
-
-
-
1,717
-
-
-
899
1,388
-
-
-
-
-
4,004
-
(4,004)
14,850
10,846
31.3.25
Total
funds
£
128,725
15,905
35,330
79,838
41,548
28,672
29,452
-
359,470
4,063
28,846
46,212
26,383
32,347
70,496
1,388
57,362
10,378
-
6,230
148
283,853
10,579
86,196
786,461
872,657
31.3.24
Total
funds
£
563,420
11,440
42,645
82,006
39,213
19,680
5,728
125
764,257
2,943
15,544
53,323
31,001
35,916
22,744
2,293
41,911
-
1,185
9,819
246
216,925
-
547,332
239,129
786,461

The notes form part of these financial statements

Page 5

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

BALANCE SHEET

31 MARCH 2025

Notes
FIXED ASSETS
Tangible assets
13
Investments
14
CURRENT ASSETS
Stocks
15
Debtors
16
Cash at bank and in hand
CREDITORS
Amounts falling due within one year
17
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT
LIABILITIES
NET ASSETS
FUNDS
18
Unrestricted funds
Restricted funds
TOTAL FUNDS
Unrestricted
fund
£
636
682,658
683,294
17,413
15,463
167,814
200,690
(22,173)
178,517
861,811
861,811
Restricted
funds
£
-
-
-
-
-
10,846
10,846
-
10,846
10,846
10,846
31.3.25
Total
funds
£
636
682,658
683,294
17,413
15,463
178,660
211,536
(22,173)
189,363
872,657
872,657
861,811
10,846
872,657
31.3.24
Total
funds
£
-
550,000
550,000
20,904
7,557
228,228
256,689
(20,228)
236,461
786,461
786,461
771,611
14,850
786,461

The financial statements were approved by the Board of Trustees and authorised for issue on 25 November 2025 and were signed on its behalf by:

I Sidgwick - Trustee

W Bourne - Trustee

The notes form part of these financial statements

Page 6

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2025

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, 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 Charities Act 2011. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value.

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.

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.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

Allocation and apportionment of costs

Direct costs

All direct costs are allocated to the activity or project to which they relate.

Staff costs

Staff costs identified as relating to an activity or project, they are allocated accordingly.

General support costs

Support costs are allocated to activities or projects on the basis of their usage of office, storage space and equipment.

Tangible fixed assets

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

Stocks

Stocks are valued at the lower of cost and net realisable value, after making due allowance for obsolete and slow moving items.

Taxation

The charity is exempt from 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.

continued...

Page 7

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

1. ACCOUNTING POLICIES - continued

Pension costs

The charity contributes, as employer, to staff pension schemes in accordance with the auto enrolment legislation.

2. DONATIONS AND LEGACIES

Donations
Legacies
3.
OTHER TRADING ACTIVITIES
Fundraising events
E-Learning income
4.
INVESTMENT INCOME
Interest and dividends
31.3.25
£
18,725
110,000
128,725
31.3.25
£
15,222
13,450
28,672
31.3.25
£
29,452
31.3.24
£
38,420
525,000
563,420
31.3.24
£
9,337
10,343
19,680
31.3.24
£
5,728

5. INCOME FROM CHARITABLE ACTIVITIES

Income arising from charitable activities is analysed in the Statement of Financial Activities.

6. RAISING FUNDS

Other trading activities

Other trading activities
31.3.25 31.3.24
£ £
Sim Pairs costs 3,051 2,943
Investment management costs
31.3.25 31.3.24
£ £
Portfolio management 1,012 -
Aggregate amounts 4,063 2,943

continued...

Page 8

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

7. CHARITABLE ACTIVITIES COSTS

Direct
Costs
Staff Costs Allocated
Costs
Governance
Costs
Total
£ £ £ £ £
Junior Events 28,846 0 0 0 28,846
Teacher training and EBTA 6,089 35,023 5,100 0 46,212
Provision of training materials 10,846 13,637 1,900 0 26,383
TD Training 14,277 15,670 2,400 0 32,347
Youth 41,272 25,124 4,100 0 70,496
Minibridge 1,388 0 0 0 1,388
General charitable activities 8,831 33,070 4,200 11,261 57,362
Donations 10,378 0 0 0 10,378
E-Learning 2,408 3,322 500 0 6,230
Youth Bridge Grand Prix 148 0 0 0 148
124,483 125,846 18,200 11,261 279,790

8. GRANTS PAYABLE

GRANTS PAYABLE
31.3.25 31.3.24
£ £
Youth 636 -
Minibridge - 2,000
General charitable expenditure - 3,414
636 5,414
The total grants paid to institutions during the year was as follows:
31.3.25 31.3.24
£ £
Youth Grants 636 2,864
General grants - 550
Minibridge grants - 2,000
636 5,414

9. SUPPORT COSTS

SUPPORT COSTS
General charitable expenditure
E-Learning
Governance
Finance
costs
£
£
43
11,261
102
-
145
11,261
Totals
£
11,304
102
11,406

continued...

Page 9

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

9. SUPPORT COSTS - continued

Support costs, included in the above, are as follows:

Support costs, included in the above, are as follows:
31.3.25 31.3.24
General
charitable Total Total
expenditure E-Learning activities activities
£ £ £ £
Stripe/CAF charges 43 102 145 49
Accountancy and professional fees 11,261 - 11,261 6,260
11,304 102 11,406 6,309

10. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 March 2025 nor for the year ended 31 March 2024.

Trustees' expenses

The trustees were reimbursed expenses for the year ended 31 March 2025 amounting to £841 in total (2024: £39).

11. STAFF COSTS

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

Administrative staff
No employees received emoluments in excess of £60,000.
12.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
fund
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
562,475
Charitable activities
Junior Events
11,440
Teacher training and EBTA
42,645
Provision of training materials
82,006
T D Training
39,213
Other trading activities
19,680
Investment income
5,728
Other income
125
Total
763,312
EXPENDITURE ON
Raising funds
2,943
Charitable activities
Junior Events
14,582
31.3.25

4
Restricted
funds
£
945
-
-
-
-
-
-
-
945
-
962
31.3.24
4
Total
funds
£
563,420
11,440
42,645
82,006
39,213
19,680
5,728
125
764,257
2,943
15,544

continued...

Page 10

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

12. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES - continued

Unrestricted
fund
£
Teacher training and EBTA
53,323
Provision of training materials
31,001
T D Training
35,916
Youth
21,140
Minibridge
-
General charitable expenditure
41,497
Bridge For Youth
806
E-Learning
9,819
Youth Bridge Grand Prix
246
Total
211,273
NET INCOME/(EXPENDITURE)
552,039
RECONCILIATION OF FUNDS
Total funds brought forward
219,572
TOTAL FUNDS CARRIED FORWARD
771,611
13.
TANGIBLE FIXED ASSETS
COST
Additions
DEPRECIATION
Charge for year
NET BOOK VALUE
At 31 March 2025
At 31 March 2024
14.
FIXED ASSET INVESTMENTS
MARKET VALUE
At 1 April 2024
Additions
At 31 March 2025
NET BOOK VALUE
At 31 March 2025
At 31 March 2024
Restricted
Total
funds
funds
£
£
-
53,323
-
31,001
-
35,916
1,604
22,744
2,293
2,293
414
41,911
379
1,185
-
9,819
-
246
5,652
216,925
(4,707)
547,332
19,557
239,129
14,850
786,461
Computer
equipment
£
795
159
636
-
Listed
investments
£
550,000
132,658
682,658
682,658
550,000
Total
funds
£
53,323
31,001
35,916
22,744
2,293
41,911
1,185
9,819
246
216,925
547,332
239,129
786,461

continued...

Page 11

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

14. FIXED ASSET INVESTMENTS - continued

Global funds within investments were valued at £134,801 at 31 March 2925.

15.
STOCKS
Stocks
16.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Other debtors
Prepayments and accrued income
17.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Trade creditors
Other creditors
18.
MOVEMENT IN FUNDS
At 1.4.24
£
Unrestricted funds
General fund
771,611
Restricted funds
Minibridge
5,095
Youth
6,626
Youth Hardship
586
Youth Schools Bridge
2,543
14,850
TOTAL FUNDS
786,461
31.3.25
£
17,413
31.3.25
£
-
15,463
15,463
31.3.25
£
3,232
18,941
22,173
Net
movement
in funds
£
90,200
(1,387)
(1,744)
(586)
(287)
(4,004)
86,196
31.3.24
£
20,904
31.3.24
£
3,492
4,065
7,557
31.3.24
£
947
19,281
20,228
At
31.3.25
£
861,811
3,708
4,882
-
2,256
10,846
872,657

continued...

Page 12

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

18. MOVEMENT IN FUNDS - continued

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

Unrestricted funds
General fund
Restricted funds
Minibridge
Youth
Youth Hardship
Youth Schools Bridge
TOTAL FUNDS
Incoming
resources
£
359,470
-
-
-
-
-
359,470
Resources
expended
£
(279,849)
(1,387)
(1,744)
(586)
(287)
(4,004)
(283,853)
Gains and
Movement
losses
in funds
£
£
10,579
90,200
-
(1,387)
-
(1,744)
-
(586)
-
(287)
-
(4,004)
10,579
86,196
Gains and
Movement
losses
in funds
£
£
10,579
90,200
-
(1,387)
-
(1,744)
-
(586)
-
(287)
-
(4,004)
10,579
86,196
(4,004)
86,196

Comparatives for movement in funds

Unrestricted funds
General fund
Restricted funds
Minibridge
Youth
Bridge For Youth
Youth Hardship
Youth Schools Bridge
TOTAL FUNDS
At 1.4.23
£
219,572
7,389
7,283
379
1,000
3,506
19,557
239,129
Net
movement
in funds
£
552,039
(2,294)
(657)
(379)
(414)
(963)
(4,707)
547,332
At
31.3.24
£
771,611
5,095
6,626
-
586
2,543
14,850
786,461

continued...

Page 13

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2025

18. MOVEMENT IN FUNDS - continued

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

Unrestricted funds
General fund
Restricted funds
Minibridge
Youth
Bridge For Youth
Youth Hardship
Youth Schools Bridge
TOTAL FUNDS
Incoming
resources
£
763,312
(1)
947
-
-
(1)
945
764,257
Resources
Movement
expended
in funds
£
£
(211,273)
552,039
(2,293)
(2,294)
(1,604)
(657)
(379)
(379)
(414)
(414)
(962)
(963)
(5,652)
(4,707)
(216,925)
547,332

The Minibridge funds are to be used for the teaching of Minibridge in schools in England.

The Youth funds are to be used for the education of young persons in full time education in the playing of duplicate bridge.

The Youth Hardship fund provides support to young people accessing bridge.

The Youth Schools Bridge fund is to be used to support bridge in Schools.

19. RELATED PARTY DISCLOSURES

The charity received £5,202 (2024: £5,895) from The English Bridge Union Limited to cover the cost of discounts provided by the charity to its members. In addition the Charity received free advertising space in that company's publication 'English Bridge' with an estimated market value of £8,779 (2024: £7,420). The charity also benefitted from financial support to assist with staff costs in the amount of £5,961 (2024: £5,507).

No Trustees received fees for services during the year (2024: Nil).

Page 14

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2025

DETAILED STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 MARCH 2025
31.3.25 31.3.24
£ £
INCOME AND ENDOWMENTS
Donations and legacies
Donations 18,725 38,420
Legacies 110,000 525,000
128,725 563,420
Other trading activities
Fundraising events 15,222 9,337
E-Learning income 13,450 10,343
28,672 19,680
Investment income
Interest and dividends 29,452 5,728
Charitable activities
Training 35,330 42,645
Primary purpose trading 79,838 82,006
T D Training 41,548 39,213
Junior Events 15,905 11,440
172,621 175,304
Other income
Other Income - 125
Total incoming resources 359,470 764,257
EXPENDITURE
Other trading activities
Sim Pairs costs 3,051 2,943
Investment management costs
Portfolio management 1,012 -
Charitable activities
Wages 122,312 91,072
Pensions 3,533 2,320
Insurance 1,167 -
Postage and stationery 739 691
Sundries 2,390 814
Meetings 3,298 506
Course costs 34,204 23,943
Office costs 18,142 13,289
Software development 2,145 -
Training costs 14,994 14,180
Carried forward 202,924 146,815

This page does not form part of the statutory financial statements

Page 15

ENGLISH BRIDGE EDUCATION AND DEVELOPMENT

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2025

DETAILED STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 MARCH 2025
31.3.25 31.3.24
£ £
Charitable activities
Brought forward 202,924 146,815
Donations paid 10,378 60
General cost of sales 10,902 12,833
Consultancy fees 41,168 14,781
Domain names 1,016 711
Subscriptions - 83
Bank charges - 25
Portfolio management fees - 90
Schools promotions 1,068 585
EBTA costs - 26,276
Promotional materials 292 -
Grants to institutions 636 5,414
268,384 207,673
Support costs
Finance
Stripe/CAF charges 145 49
Governance costs
Accountancy and professional fees 11,261 6,260
Total resources expended 283,853 216,925
Net income 75,617 547,332

This page does not form part of the statutory financial statements

Page 16