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2022-12-31-accounts

The Anchor Society CIO

Trustees’ report and unaudited financial statements for the year ended 31 December 2022

Charity registration number 1167933

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Contents

Page
Report of the Trustees 1
Statement of Trustees’ responsibilities 5
Report of the Independent Examiner 6
Statement of financial activities 7
Balance Sheet 8
Notes 9

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Trustees’ Report

The Trustees present their report and the financial statements of the charity for the year ended 31 December 2022. The Anchor Society CIO (‘The Society’) is a Charitable Incorporated Organisation and was registered with the Charity Commission on 29[th] June 2016.

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).

Reference and administrative details

The Anchor Society CIO is registered with the Charity Commission, number 1167933.

Registered address Bennetts Solicitors
Barley Wood Stables,
Long Lane
Wrington
Bristol BS40 5SA
Office address 29 Alma Vale Road
Clifton
Bristol BS8 2HL
Independent examiner Lawes & Co UK Limited
Boyce’s Building
40-42 Regent Street
Clifton
Bristol BS8 4HU
Solicitors Bennetts Solicitors
Barley Wood Stables,
Long Lane
Wrington
Bristol BS40 5SA
Bankers HSBC UK Bank Plc
62 George White Street
Cabot Circus
Bristol BS1 3BA
Investment advisers Brewin Dolphin Ltd
40 Queen Square
Bristol BS1 4QP
Evelyn Partners Investment Management LLP
(formerly Smith & Williamson)
Portwall House
Portwall Lane
Bristol BS1 6NA
Chief Executive RN Pendlebury

1

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Trustees’ Report (continued)

Trustees

The following served as Trustees during the year:

WJ Marshall President 2020-21 (resigned 14 November 2022) JJ Lacey President 2021-22 JC Oakland President 2022-23 HL Wallington Hon Secretary RE Evans Hon Treasurer RH Jarratt (resigned 27 April 2022) WHR Durie RP Kennedy HLM Bothamley (resigned 7 December 2022) BJ Hanson RB Pitter (appointed 27 April 2022)

Structure and Governance

The charity is controlled by its governing document, the Constitution, and is managed by the Trustees, who comprise the Honorary Secretary and Honorary Treasurer, the current President of the Society, the immediate past President and the President designate, together with additional trustees. The Trustees are empowered by its constitution to appoint additional trustees.

Training is assured by the succession process involved in the President's appointment. All Executive members, whether Trustees or Secondees, are appointed from the Society's membership and are assessed by the Executive as having the required skills and experience to fulfil their responsibilities. The Chief Executive holds a manual of procedure of the Society which is available to all Trustees. Decisions are made by the Trustees who meet on a quarterly basis.

Objectives and activities for the public benefit

The Anchor Society was formed as an unincorporated charity in 1769 and was registered with the Charity Commission (No 208756). The Anchor Society CIO (The Society) was entered on the Register of Charities on 29[th] June 2016 (No 1167933). On 31 December 2016, The Anchor Society CIO acquired the assets and liabilities of The Anchor Society.

The Society assists older people (over 55) in need within Bristol and the surrounding area in a number of ways. It provides financial assistance through the payment of regular and single payment grants to assist with urgent personal needs. The Society often also makes one-off payments in the winter months to assist with heating expenses. The Society also operates a befriending service that is provided by volunteers. Grant applications are considered by a committee of Trustees and are made on their merit.

The Society is involved in the development of sheltered housing and day care provision for older people in the city. New Anchor House in Knowle provides 21 flats and was developed by the Society in conjunction with the Guinness Trust who manages the property. The freehold reversion remains with the Society and the Guinness Trust have a long lease. The Society was also involved with Guinness in the development of Southlands residential care home in Knowle and Lincolns Gardens in Redfield. Both properties are owned and managed by the Guinness Trust, and the construction of the Day Care Centres at both Southlands and Lincolns Gardens was financed by long-term loans from the Society.

The development of affordable housing at Coopers Close in Lawrence Weston was completed in 2013. It is a development of eight chalet bungalows providing sheltered accommodation for the elderly on a long-leasehold tenure; the bungalows are owned either outright or on a shared-equity basis with the Society. The development is adjacent to Blaise Weston House, a residential care home operated by Hanover.

The charity’s trustees have complied with the duty in section 17(5) of the 2011 Charities Act to have due regard to guidance published by the Charity Commission on public benefit.

2

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Trustees’ Report (continued)

Review of developments, activities and achievements

The principal fundraising event in the year is the President’s collection, which in 2022 raised over £100,000. This is directed towards the Society's traditional activity which is to support older people in need, either by way of regular annuities or specific, small grants towards urgently needed improvements or repairs to their homes.

Key strands of the Society’s strategy are to:

Grants to individuals

We are finding a higher demand for our grants for older people facing severe poverty. We are supporting increasing numbers of people needing furniture, white goods and carpets, particularly when moving into sheltered accommodation. We work closely with our referrers to ensure those in real need are supported. The increase in energy costs has created a demand for additional support. We have supported older people in fuel poverty by giving grants towards electricity and gas bills. This is administered by Age UK Bristol.

Improving the lives of older people through partnerships

We are pleased to be working with a number of different grant giving charities in Bristol through the Bristol Older People’s Funding Network (BOPFA). This group provides grants through its partnerships to support older people in the city. This year, along with our partners, we supported an intergenerational project run by Alive Activities in association with Sovereign Housing.

This year has been particularly difficult, and the Anchor Society has been supporting projects which encourage those who need help and confidence to get out and about again after the forced isolation of the Covid 19 pandemic. To this end we partnered with Age UK (Bristol) to fund a Tai Chi class for older people. This is providing an opportunity to improve fitness and meet other people and has proved very popular. Towards the end of 2022 the Society entered into a partnership with St George’s Music venue to enable older people to access concerts with the objective of enabling them to get out of their accommodation. These lunchtime concerts are followed by a cup of tea and an opportunity to socialise.

The Society is committed to improve the wellbeing of older people and this involves a range of interventions. Over the last year, we have been working with Bristol Beacon to support older people using music as a tool to engage those with dementia. There are a range of projects within this support, one being Group Dementia Sessions called ‘Our music club’. The club is facilitated by three professional musicians who encourage and enable music playing and listening to improve wellbeing. 100% of the participants said that the sessions have improved their health and wellbeing and gave them confidence to meet new people.

3

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Trustees’ Report (continued)

Technology

The Society continues its interest in the work of the Bristol Robotics Laboratory (BRL) based at the University of the West of England through the Anchor Assisted Living Laboratory. The Laboratory which was created over 7 years ago continues to be a base of research for the use of technology to improve the lives of older people.

Financial review

On 31[st] December 2022, the unrestricted reserves of the Society, which stand at £4,192,753, are mostly invested in long term, designated schemes (£3,513,409). Its general reserves amounted to £679,344. In addition, there were restricted funds of £51,391. The level of reserves held by the Society is reviewed at each meeting of the Trustees. They aim to ensure that there are sufficient reserves to meet any shortfall in future income, which due to its voluntary nature, is uncertain and to meet any unforeseen circumstances.

The Society’s principal funding sources are the President’s collection, which is held annually during November, and income from investments.

During 2022, the global financial position has been influenced by the conflict in Ukraine, the energy crisis and the aftermath of the pandemic. The value of charity’s listed investments has suffered during the year as a result of this. However, the fund has outperformed the FTSE 250 index and the trustees consider the performance to be satisfactory given the circumstances. The investment strategy is reviewed regularly, at least every three years.

The Society reviews the level of cash and investments held at each meeting of the Trustees to ensure there are sufficient liquid funds to meet its commitments over the coming 12 months.

It is planned to continue the existing policy of assisting those in need by the making of small grants.

Risk management

The Trustees have a duty to identify and review the risks to which the charity is exposed and to ensure proper controls are in place to provide reasonable assurance against fraud and error. Risks and their management are formally reviewed every year.

4

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Trustees’ Report (continued)

Statement of trustees’ responsibilities

The trustees are responsible for preparing the Report of the Trustees and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales, the Charities Act 2011, Charity (Accounts and Reports) Regulations 2008 and the provisions of the Constitution requires the Trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the income and expenditure, of the charity for that year. In preparing those financial statements, the trustees are required to:

The Trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The Trustees are responsible for the maintenance and integrity of the charity and financial information included on the charity’s website in accordance with legislation in the United Kingdom governing the preparation and dissemination of financial statements.

Approved by order of the Board of Trustees on 26[th] April 2023 and signed on its behalf by:

JC Oakland President and Trustee

5

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Report of the independent examiner to the Trustees of The Anchor Society CIO

I report to the charity trustees on my examination of the accounts of The Anchor Society CIO (‘the Trust’) for the year ended 31 December 2022.

Respective responsibilities of trustees and examiner

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

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 confirm that there are no other matters to which your attention should be drawn to enable a proper understanding of the accounts to be reached.

Mr PA Freeman BA FCA FCCA for and on behalf of Lawes & Co UK Limited

Boyce’s Building 40-42 Regent Street Clifton Bristol BS8 4HU

Dated: 5[th] May 2023

6

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Statement of financial activities

for the year ended 31 December 2022

(including income and expenditure account)

2022 2021
Restricted Unrestricted Total Total
Funds Funds
Note £ £ £ £
Income from:
Donations and legacies 2 27,300 80,475 107,775 129,032
Other trading activities 3 - 13,994 13,994 13,664
Investments 4 - 40,178 40,178 45,888
27,300 134,647 161,947 188,584
Expenditure on:
Charitable activities 6 37,378 171,080 208,458 231,612
Raising funds 7 - 7,115 7,115 4,291
37,378 178,195 215,573 235,903
Net income/(expenditure) (10,078) (43,548) (53,626) (47,319)
Other recognised gains/losses:
Gains/(losses) on investment assets:
Listed investments 12 - (268,744) (268,744) 174,394
Unlisted investments 12 - 131,759 131,759 68,811
Net movement in funds (10,078) (180,533) (190,611) 195,886
Reconciliation of funds:
Funds brought forward 61,469 4,373,286 4,434,755 4,238,869
Funds carried forward 51,391 4,192,753 4,244,144 4,434,755

The results for the year derive from continuing activities and there are no gains or losses other than those shown above.

7

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Balance sheet at 31 December 2022

Note
Fixed assets
Tangible assets
11
Investments
12
Current assets
Debtors
13
Cash at bank and in hand
Creditors
Amounts falling due within one year
14
Net current assets
Net assets
Represented by:
Restricted funds
15
Unrestricted funds
15
Designated Funds
General Funds
2022
2021
£
£
£
£
1,151,328
1,151,328
2,876,914
3,105,323


4,028,242
4,256,651
11,579
10,630
212,923
175,778


224,502
186,408
(8,600)
(8,304)


215,902
178,104


4,244,144
4,434,755


51,391
61,469
3,513,409
3,381,650
679,344
991,636


4,192,753
4,373,286


4,244,144
4,434,755

These financial statements were approved by the trustees on 26[th] April 2023 and signed on its behalf by:

JC Oakland President and Trustee

8

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes

(forming part of the financial statements)

1 Accounting policies

The following accounting policies have been applied consistently in dealing with items which are considered material in relation to the company’s financial statements.

Basis of preparation

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.

Income

All incoming resources are included on the Statement of Financial Activities when the charity is legally entitled to the income and the amount can be quantified with reasonable accuracy. The following specific policies are applied to particular categories of income:

Expenditure

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. Expenditure includes any VAT which cannot be fully recovered, and is reported as part of the expenditure to which it relates:

9

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

Allocation and apportionment of costs

All costs are allocated between the expenditure categories of the Statement of Financial Activities on a basis designed to reflect the use of the resource. Costs relating to a particular activity are allocated directly; others are apportioned.

Tangible fixed assets

Fixed assets are stated at cost less accumulated depreciation. Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Computer Equipment: Straight line over 3 years.

Depreciation is not provided on freehold buildings as their estimated useful economic life exceeds 50 years, they are well maintained by a programme of continual repairs and improvements and their expected residual value exceeds cost. Having adopted this policy, the Society will carry out annual impairment reviews to ensure that any diminution in value is written off in the Statement of Financial Activities.

Assets with a value of less than £1,000 are not capitalised.

Listed investments

Listed and unlisted investments, and investment properties are included at market value at the balance sheet date.

Leased assets

Rentals in respect of operating leases are charged directly to the statement of financial activities in the period in which they fall due.

Taxation

The charity is exempt from tax on its charitable activities.

Revaluation gains

The revaluation gains shown in the Statement of Financial Activities include both realised and unrealised gains and losses.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees. In addition to the elderly and needy of the Bristol area, such funds may be held in order to finance capital investment and working capital.

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.

Designated funds are those which the charity may, at its discretion, set aside for a specific purpose which would otherwise form part of the general reserves of the organisation.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

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The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

2 Donations and legacies

Donations
Restricted funds
Unrestricted funds

Other trading activities
Anchor Dinner
Rents

Income from investments
Listed investments
Cash investment income
2022
£
27,300
80,475

107,775

2022
£
4,320
9,674

13,994

2022
£
39,929
249

40,178
2021
£
45,000
84,032

129,032

2021
£
3,990
9,674

13,664

2021
£
45,698
190

45,888

3 Other trading activities

4 Income from investments

5 Analysis of expenditure by activity

Note
Grants made
to assist older
people
£
Support
costs
£
Grants to institutions
6
49,250
-
Grants to individuals
6
59,985
-
Expenditure on raising funds
7
-
6,871
Governance costs
8
-
101,454


109,235
108,325

Total
£
49,250
59,985
6,871
101,454

217,560

11

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

6 Expenditure on charitable activities

Grants to institutions:
Age UK Bristol – Active Ageing Bristol
Age UK Bristol – LinkAge
Age UK Bristol – Cost of Living Crisis
Age UK Bristol – Tai Chi Programme
Age UK Bristol – Celebrating Age Festival
Alive Activities
Bristol After Stroke
Bristol Music Trust
Business in the Community
St Georges, Bristol
St Werburgh’s Community Association
The Anchor Society Ltd – Intergenerational Project
Trinity Community Arts
Grants to individuals
Governance costs
8
2022
2021
£
£
6,250
25,000
10,000
40,000
10,000
-
6,500
-
1,000
-
-
10,500
-
1,200
10,000
-
-
3,000
5,000
-
500
500
-
1,550
-
498


49,250
82,248
59,985
57,986
99,223
91,378


208,458
231,612

7 Expenditure on raising funds

Investment property costs
Anchor dinner costs
2022
£
2,917
4,198

7,115
2021
£
316
3,975
4,291

12

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

8 Governance costs

Note
Staff costs
9
Premises
Printing, postage and office expenses
General insurances
Independent examiner’s remuneration
Legal and professional costs
Other costs
9
Staff costs
Wages and salaries
Social security costs
Pensions costs
Recruitment
Average monthly number of employees
during the year
2022
£
57,939
9,074
7,673
1,644
2,340
19,302
1,251

99,223

2022
£
55,846
701
1,282
110

57,939

2
2021
£
52,664
9,073
5,513
1,619
2,280
19,942
287

91,378

2021
£
50,876
458
1,330
-

52,664

2

No employee received emoluments totalling more than £60,000 during the year.

10 Trustees’ remuneration and benefits

There were no trustees’ remuneration or other benefits for the year ended 31 December 2022 (2021: £Nil) and no trustees’ expenses were paid for either year.

13

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

Notes(continued)
11
Tangible fixed assets
Land and buildings
Cost
At 1 January and 31 December 2022
Depreciation
Net book value at 31 December 2022
£
1,151,328
-
1,151,328

The net book value of land and buildings comprise:

Freehold property
New Anchor House, Wells Road, Knowle, Bristol
Leasehold Property
Shared ownership – Coopers Close
£
929,778
221,550

1,151,328

New Anchor House is managed by the Guinness Trust.

The leasehold property at Coopers Close represents sheltered accommodation for the elderly. The current market value is based on the disposal value of a unit which was sold in December 2017.

14

The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

12 Fixed asset investments

Net Book value at 1 January 2022
Additions
Disposals
Revaluations
Net book value at 31 December 2022
Land and
buildings
Listed
investments
Unlisted
investments
£
£
£
170,000
1,955,001
980,322
10,335
364,849
-
-
(466,608)
-
-
(268,744)
131,759


180,335
1,584,498
1,112,081
Total
£
3,105,323
375,184
(466,608)
(136,985)
2,876,914

Land and buildings

The net book value of land and buildings comprise:

£
Freehold property
Land and buildings at Home Farm, Yate 180,335

Home Farm was previously valued by Morgan Beddoe in accordance with the provisions of the Royal Institution of Chartered Surveyors (RICS) Valuation Standards Manual in March 2011. The farmhouse at Home Farm was sold previously. The Trustees have reviewed the book value of the remaining land and buildings and consider the net book value reflects the current market value. Additions reflect the expenditure on obtaining planning permission for rebuilding.

Listed investments

The book cost of investments is £1,468,985. There are no investment assets outside the UK.

Unlisted investments

These comprise two loans of £300,000 each made to The Guinness Trust for the purpose of providing very sheltered housing.

The loans are repayable in 80 years from payment in May 2084 and February 2087 respectively. They will be repayable earlier in the following circumstances:

The value of the loans has been adjusted in line with the retail price index to recognise the change in value during the year in accordance with the loan agreement. The revaluation is recognised in the Statement of Financial Activities.

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The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

13 Debtors falling due within one year

Prepayments
Gift Aid tax repayment
Sundry debtors
4
Creditors falling due within
Creditors
Accruals
Social security and other tax
5
Movement in funds
At 1 January 2022
Net movement in funds
At 31 December 2022
one year
Restricted
Funds
Designated
Funds
£
£
61,469
3,381,650
(10,078)
131,759

51,391
3,513,409
2022
£
1,555
6,324
3,700

11,579

2022
£
940
6,825
835

8,600

General
Funds
£
991,636
(312,292)

679,344
2021
£
1,960
6,920
1,750

10,630

2021
£
-
7,466
838

8,304

Total
£
4,434,755
(190,611)

4,244,144

14 Creditors falling due within one year

15 Movement in funds

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

Income
Expenditure
Gains and losses
Net movement in funds
Restricted
Funds
Designated
Funds
£
£
27,300
-
(37,378)
-
-
131,759

(10,078)
131,759
General
Funds
£
134,647
(178,195)
(268,744)

(312,292)
Total
£
161,947
(215,573)
(136,985)

(190,611)

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The Anchor Society CIO Trustees’ report and financial statements 31 December 2022

Notes (continued)

Designated funds are those which the charity may, at its discretion, set aside for a specific purpose which would otherwise form part of the general reserves of the organisation. Specifically, the charity sets aside funds which represent the investment made in freehold and leasehold property, fixed assets for use by the charity and long-term loans to other charities for the provision of services to older persons in Bristol and the surrounding area. In addition, specific substantial legacies are designated funds.

Restricted funds are donations that have been received by the Society for specific purposes:

Brought Income Expenditure Carried
forward forward
£ £ £ £
Intergenerational developments 27,032 - - 27,032
Small grants 20,683 26,300 30,480 16,503
Boiler replacement 13,754 - 6,898 6,856
Black and minority communities -
1,000
-
1,000
Total restricted funds 61,469
27,300
37,378
51,391

Restricted funds are held in a separate bank account.

16 Related party transactions

During the year, the following relevant transactions occurred:

17