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2022-12-31-accounts

Charity Information
Trustees' Report 2-7
Statement of Trustees' Responsibilities
Independent
Auditors'
Report 8-10
Statement ofComprehensive
Income
Statement ofChanges in Reserves 12
Statement ofFinancial Position 13
Notes to the Financial Statements 14-22

Kendal Almshouse
Charity is a small provider f
Disclosures are as follows:
or the purposes ofdis closure ofthe Val ue for Money Metr ics.
2022 2021 2020 2019
Reinvestment
%
0% 0% 0% 0%
New supply delivered
Gearing
EBITDA MRI Interest cover
0%
8%
580%
0%
8%
-286%
0%
8
1115%
0%
12%
713%
Headline
Social Housing Cost per unit
84,535 f5,033 X2,255 62,411
Opemting
margin
Return on Capital Employed
23%
1%
-11%
-1%
26%
1%
46%
2%

Independent Auditor's report to the Trustees of Kendal Almshouse Charity (continued) Mtters on which Ive are required to report by ¢xception contlnmed - the fumncial ststetllents not in &￿ment with the accounting records" or - we have not received all the infornlation and explanations we require for our audit. In additffton. we have nothing to report in respect of th¢ following matter where the Housin8 and Regeneration Act 21K)8 Pl requires us to report to you if. Tn our opinion: - a satisfactory system of control over transa¢tions has not been maintsined. Responslbllftles ofthe board As explain¢d more fully in the board's responsibilities statement set out on pag¢ 7. the board member3 (who ar¢ also the trustees of the Lssociation for the purposes of charity law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view. and for 5uGh internal control &5 the board determine is necessary to enable the preparation of financial ststements that are free from material misstatement, whether due to fraud or ¢Tror. In preparing the financial statements. the board is responsible for assessing the association's ability to continue as a going concern. disclosing, as applicable, mattet3 related to going concern and using the going concern basis of accounting unless the board either intends to liquidate th¢ ￿$0￿lation or to cease operations, or has no realistic alternative but to do so. Auditor's respDnsibilltle8 for the gudit of the flnncial statsments OUT obje¢tives are to obtain reasonable assuranee about whether the financial statements as a whole atE free frorn material misstal¢ment. whether due to fraud or error. and to issue an auditor's report that includes our opinion. Reasonable assurnnce is a high lev¢1 of assurance, but is not a guarante that an audil conducted in accordance with ISAS (UK) will always d¢t¢¢i a material misststement when it exists. Mi53tatements wi arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be eXp￿ted to intluence the e¢onomic decisions of users taken on the basis of these financiat statemen Irregularities including fiaud, ar¢ instances of non-complian¢¢ with laws and regulations. We design proc¢dur¢s in line with our responsibilities, outlined alx)ve, to detect material misstatements in respect of irregularities. including fraud. The specific pr￿edureS for this ¢ngagement and the ext¢nt to which thes¢ are capable of detecting iTrtgulaTities, including fraud is detailed below: We identified areas of laws and regulation5 that could reasonably be expected to have a mal¢rial efftct on the financial Statements from our experience and from discussions with management. We reyiewed any related CO￿sPondenCe and records of trustee meetings to &ssess compliance with laws and ￿gUlatIonS and discussed thc cumt position wlth managemenL We ensured the audit team were alert for any indications of non-compliance throughout ihe audit work. The charitsble company is managed by a management company which reduces the risk of fraud. We asse55ed the management companls policies and procedures on fraud risks. No instances of actual, suspected or alleged fraud were identified by us or the managing company in the y¢ar. Owing to the inherent limitations of an &udi¢ there is an unavoidable risk that we may not have detected some maÈri81 misstatements in the financial statements. even tholw we have properly planned and perfornied our audit in accordance with auditing standards. For cxample, the fjJrther removed noTr-complian¢¢ with laws and Tegulalions (irregularities) is from ihe events and transactions reflected in the financial statements, the less likely the inherently limited pr(￿edutY8 required by auditing stsndards would identify it. In addition. as with any audiL there remained a higher risk of non41etection of iTregularities. as these may involve Collusio￿ forgery, intentional omissions. misrepresentations or the override of controls. We are not res￿￿nsible for preventi￿ non-compliance and ¢annot be expected to detect compliance with all laws and regulations. A ￿rther de5criplion of ow responsibilities is available on the Financial ReFwttng Council's website at.. https:/Avww.frc.org.uklOur-WorklAuditlAudii-and-a&surancelStandards-and-guidance/Standards-and-guidance-for- auditor&lAudilors-responsibilities-for-audiVDescription-of-auditors-reswnsibilitie5-for-audit.aspL This description fornis part of our auditor's re￿rt. Page 9

Year ended Year ended
Notes 31/12/2022 31/12/2021
Turnover
Maintenance
contributions
from residents 203,361 193,194
Less: losses from voids (6,967) (7,929)
196,394 185,265
Operating
Costs
Services 34,566 40,265
Routine maintenance 20,668 25,309
Cyclical maintenance 29,321 79,022
Extraordinary
repairs
18,202 25,045
Management 36,000 36,717
Romleigh
development
47,173
(185,930) (206,358)
Other income
Donations
and wayleave
113 113
Grant received from Homes England for Romleigh 34,028
34,141 113
Operating
Surplus/(Deficit)
44,605 (20,980)
Income from fixed asset investments 3,442 3,310
Interest receivable
and similar
income 220 23
Interest and financing
costs
Movement
in fair value ofinvestments
(8,290)
(18,095)
(6,182)
40,922
Surplus/(Deficit)
on Ordinary
Activities Before
Taxation 21,882 17,093
Taxation on surplus
on
ordinary activities 1 (n)
Total comprehensive income for the year 21,882 17,093

Property Investment
Restricted Endowment Designated Revaluation Revaluation Accumulated
reserves reserves reserves reserve reserve income Total
8
At 31December 2020
and 1 January 2021 54,583 2,081,789 714,290 142,697 112,175 3,105,534
Surplus (deficit) for the period
Transfers between reserves
(20,157) 33,874 (23,829)
20,157
17,093
Investment
in property
Total comprehensive income 7,048 (20,157) 33,874 (3,672) 17,093
At 31December 2021
and 1 January 2022 61,631 2,061,632 714,290 176,571 108,503 3,122,627
Surplus (deficit) for the period
Transfers between reserves
(5,817) 35,471 (12,278) 39,977
(35,471)
21,882
Investment
in property
Total coinprehensive income (5,817) 35,471 (12,278) 4,506 21,882
At31December
2022
55,814 2,097,103 714,290 164,293 113,009 3,144,509

Notes 31/12/2022 31/12/2021
Fixed Assets
Tangible fixed assets 2,795,000 2,795,000
Investments 310,566 328,661
Current Assets 3,105,566 3,123,661
Debtors 6 16,516 16,614
Bank Current account 33,281 23,559
Bank Deposit accounts 223,431 185,747
273,228 225,920
Creditors
Amounts
falling due
within one year 7 (37,909) (21,914)
Net Current Assets 235,319 204,006
Total assets less current liabilities 3,340,885 3,327,667
Creditors
Amounts
falling due
after one year (196,376) (205,040)
Total Net Assets 14 83,144,509 63,122,627
The Funds ofthe Charity
Permanent
endowment
funds 10 55,814 61,631
Designated
funds
11 2,097,103 2,061,632
Property revaluation reserve 12 714,290 714,290
Investment
revaluation
reserve 13 164,293 176,571
Accumulated
income
reserve 14 113,009 108,503
63,144,509 63,122,627

3 Surplus on Ordinary
Activities
31/12/2022 31/12/2021
Surplus on ordinary
activities is stated after charging:
Auditors'
remuneration
in their capacity as Auditors
Surplus/(deficit)
on fair value movement ofinvestments
f,6,350
~f. 18,095
$5,976
&10,922
Fixed A ssets: Freehold Housin g Property
Sledall Nobles Rest Sandes John Aston Romleigh Total
Vistoria and Hospital Watkins and War
Aynsm Memorial
Chapel Gardens
Valuation 1
January 2022 1,370,000 715,000 450,000 180,000 80,000 2,795,000
Additions
(Impairment)/
(Reverse
revaluation)
Valuation as at
31/12/2022 KL370,000 f715,000 f450,000 f180,000 880,000 X2,795,000

5 Investinents Extraordinary Permanent Cyclical
Repairs Endowment Maintenance
Fund Fund Fund Total
Historical cost at 1 January 2022 46,102 13,714 44,357 104,173
Historical cost at 31December 2022 846,102 f13,714 644,357 I,104,173
Market value at I January 2022 193,012 61,631 74,018 328,661
Unrealised
surplus/(deficit)
(8,251) (5,817) (4,027) (18,095)
Market value at 31December 2022 8184,761 655,814 $69,991 8310,566
All the investments are placed with COIF and M/kG.
6 Debtors: Amounts Falling Due Within One Year 31/12/2022 31/12/2021
Weekly maintenance contributions 398 776
Less:provision for bad and doubtful debts
398 776
Other debtors
Prepayments 16,118 15,838
I16,516 II6,614
7 Creditors; Amounts Falling Due Within One Year 31/12/2022 31/12/2021
Trade creditors 17,427 287
Bank loan due within one year 13,882 13,882
Accruals and deferred income 6,600 7,745
$37,909 621,914
8 Creditors: Amounts Falling Due After One Year 31/12/2022 31/12/2021
8
Bank loan due afler one year 196,376 205,040
%196,376 8205,040

Based on the lenders earliest repayment
date, borrowings
are r
epayable
as follows:
31/12/2022 31/12/2021
Within one year or on demand 13,882 13,882
One year or more but less than two years
Two years or more but less than five years
14,354
44,713
14,354
44,713
Five years or more 137,309 145,973
F10,258 $218,922

31/12/2022 31/12/2021
Sleddall Victoria and Aynam Chapel 618,960 618,960
Nobles Rest 115,423 115,423
Sandes Hospital 102,197 102,197
John Aston Watkins 27,540 27,540
Romleigh
and War Memorial
Gardens 34,028
8898,148 f864,120
10 Permanent
Endowment
Funds Permanent Investment
Endowment Revaluation
Fund Fund Total
Balance at 1 January 2022 13,714 47,917 61,631
Unrealised
surplus/(deficit)
(5,817) (5,817)
Balance at 31 December 2022 f13,714 842,100 f55,814

11 Designated Funds Extraordinary Cyclical
Property Repairs Maintenance
Fund Fund Fund Total
Balance at 1 January 2022 1,875,670 139,689 46,273 2,061,632
Trfs (to)/from
Accumulated
Income reserve
4,310 7,497 11,807
Investment in property 8,664 8,664
Transfer for Decent Homes Standard 7,500 7,500 15,000
Balance at 31December 2022 81,884,334 8151,499 861,270 82,097,103
The Property
fund represents
internal
funds invested
in property.
The other funds represent
funds set aside for future
works on property.
12 Property Revaluation
Reserve
Social Housing
Revaluation
Reserve Total
Balance at 1 January 2022 714,290 714,290
Movement in the year
Balance at 31December 2022 f714,290 6714,290
13 Investment Revaluation
Reserve
Extraordinary Cyclical
Repairs Maintenance
Revaluation Revaluation Total
Balance at 1 January 2022 146,910 29,661 176,571
Unrealised surplus/(deficit) (8,251) (4,027) (12,278)
Balance at 31 December 2022 8138,659 f25,634 f164,293
14 Accumulated
Income Reserve
Balance at 1 January 2022 108,503
(Deficit) Surplus for the year ended 31 December 2022 39,977
Transfer fi'om/(to):
Investment in properly - mortgage repayments (8,664)
Investment in property - additions
Designated funds - extmordinary
repair
fund under spend (4,310)
Designated funds - cyclical maintenance fund under spend (7,497)
Designated funds - Decent Homes Standard (15,000) (35,471)
Balance at 31December 2022 113,009

Analysis o f net assets between f unds
Tangible Investments Creditors Total
Fixed Net Current dne after
Assets Assets one year
Permanent endowment funds 55,814 55,814
Designated funds 2,080,710 90,459 122,310 (196,376) 2,097,103
Property revaluation reserve 714,290 714,290
Investment revaluation reserve 164,293 164,293
Accumulated income reserve 113,009 113,009
X2,795,000 8310,566 8235,319 (196,376) X3,144,509

Charity Information
Trustees' Report 2-7
Statement of Trustees' Responsibilities
Independent
Auditors'
Report 8-10
Statement ofComprehensive
Income
Statement ofChanges in Reserves 12
Statement ofFinancial Position 13
Notes to the Financial Statements 14-22

Kendal Almshouse
Charity is a small provider f
Disclosures are as follows:
or the purposes ofdis closure ofthe Val ue for Money Metr ics.
2022 2021 2020 2019
Reinvestment
%
0% 0% 0% 0%
New supply delivered
Gearing
EBITDA MRI Interest cover
0%
8%
580%
0%
8%
-286%
0%
8
1115%
0%
12%
713%
Headline
Social Housing Cost per unit
84,535 f5,033 X2,255 62,411
Opemting
margin
Return on Capital Employed
23%
1%
-11%
-1%
26%
1%
46%
2%

Independent Auditor's report to the Trustees of Kendal Almshouse Charity (continued) Mtters on which Ive are required to report by ¢xception contlnmed - the fumncial ststetllents not in &￿ment with the accounting records" or - we have not received all the infornlation and explanations we require for our audit. In additffton. we have nothing to report in respect of th¢ following matter where the Housin8 and Regeneration Act 21K)8 Pl requires us to report to you if. Tn our opinion: - a satisfactory system of control over transa¢tions has not been maintsined. Responslbllftles ofthe board As explain¢d more fully in the board's responsibilities statement set out on pag¢ 7. the board member3 (who ar¢ also the trustees of the Lssociation for the purposes of charity law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view. and for 5uGh internal control &5 the board determine is necessary to enable the preparation of financial ststements that are free from material misstatement, whether due to fraud or ¢Tror. In preparing the financial statements. the board is responsible for assessing the association's ability to continue as a going concern. disclosing, as applicable, mattet3 related to going concern and using the going concern basis of accounting unless the board either intends to liquidate th¢ ￿$0￿lation or to cease operations, or has no realistic alternative but to do so. Auditor's respDnsibilltle8 for the gudit of the flnncial statsments OUT obje¢tives are to obtain reasonable assuranee about whether the financial statements as a whole atE free frorn material misstal¢ment. whether due to fraud or error. and to issue an auditor's report that includes our opinion. Reasonable assurnnce is a high lev¢1 of assurance, but is not a guarante that an audil conducted in accordance with ISAS (UK) will always d¢t¢¢i a material misststement when it exists. Mi53tatements wi arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be eXp￿ted to intluence the e¢onomic decisions of users taken on the basis of these financiat statemen Irregularities including fiaud, ar¢ instances of non-complian¢¢ with laws and regulations. We design proc¢dur¢s in line with our responsibilities, outlined alx)ve, to detect material misstatements in respect of irregularities. including fraud. The specific pr￿edureS for this ¢ngagement and the ext¢nt to which thes¢ are capable of detecting iTrtgulaTities, including fraud is detailed below: We identified areas of laws and regulation5 that could reasonably be expected to have a mal¢rial efftct on the financial Statements from our experience and from discussions with management. We reyiewed any related CO￿sPondenCe and records of trustee meetings to &ssess compliance with laws and ￿gUlatIonS and discussed thc cumt position wlth managemenL We ensured the audit team were alert for any indications of non-compliance throughout ihe audit work. The charitsble company is managed by a management company which reduces the risk of fraud. We asse55ed the management companls policies and procedures on fraud risks. No instances of actual, suspected or alleged fraud were identified by us or the managing company in the y¢ar. Owing to the inherent limitations of an &udi¢ there is an unavoidable risk that we may not have detected some maÈri81 misstatements in the financial statements. even tholw we have properly planned and perfornied our audit in accordance with auditing standards. For cxample, the fjJrther removed noTr-complian¢¢ with laws and Tegulalions (irregularities) is from ihe events and transactions reflected in the financial statements, the less likely the inherently limited pr(￿edutY8 required by auditing stsndards would identify it. In addition. as with any audiL there remained a higher risk of non41etection of iTregularities. as these may involve Collusio￿ forgery, intentional omissions. misrepresentations or the override of controls. We are not res￿￿nsible for preventi￿ non-compliance and ¢annot be expected to detect compliance with all laws and regulations. A ￿rther de5criplion of ow responsibilities is available on the Financial ReFwttng Council's website at.. https:/Avww.frc.org.uklOur-WorklAuditlAudii-and-a&surancelStandards-and-guidance/Standards-and-guidance-for- auditor&lAudilors-responsibilities-for-audiVDescription-of-auditors-reswnsibilitie5-for-audit.aspL This description fornis part of our auditor's re￿rt. Page 9

Year ended Year ended
Notes 31/12/2022 31/12/2021
Turnover
Maintenance
contributions
from residents 203,361 193,194
Less: losses from voids (6,967) (7,929)
196,394 185,265
Operating
Costs
Services 34,566 40,265
Routine maintenance 20,668 25,309
Cyclical maintenance 29,321 79,022
Extraordinary
repairs
18,202 25,045
Management 36,000 36,717
Romleigh
development
47,173
(185,930) (206,358)
Other income
Donations
and wayleave
113 113
Grant received from Homes England for Romleigh 34,028
34,141 113
Operating
Surplus/(Deficit)
44,605 (20,980)
Income from fixed asset investments 3,442 3,310
Interest receivable
and similar
income 220 23
Interest and financing
costs
Movement
in fair value ofinvestments
(8,290)
(18,095)
(6,182)
40,922
Surplus/(Deficit)
on Ordinary
Activities Before
Taxation 21,882 17,093
Taxation on surplus
on
ordinary activities 1 (n)
Total comprehensive income for the year 21,882 17,093

Property Investment
Restricted Endowment Designated Revaluation Revaluation Accumulated
reserves reserves reserves reserve reserve income Total
8
At 31December 2020
and 1 January 2021 54,583 2,081,789 714,290 142,697 112,175 3,105,534
Surplus (deficit) for the period
Transfers between reserves
(20,157) 33,874 (23,829)
20,157
17,093
Investment
in property
Total comprehensive income 7,048 (20,157) 33,874 (3,672) 17,093
At 31December 2021
and 1 January 2022 61,631 2,061,632 714,290 176,571 108,503 3,122,627
Surplus (deficit) for the period
Transfers between reserves
(5,817) 35,471 (12,278) 39,977
(35,471)
21,882
Investment
in property
Total coinprehensive income (5,817) 35,471 (12,278) 4,506 21,882
At31December
2022
55,814 2,097,103 714,290 164,293 113,009 3,144,509

Notes 31/12/2022 31/12/2021
Fixed Assets
Tangible fixed assets 2,795,000 2,795,000
Investments 310,566 328,661
Current Assets 3,105,566 3,123,661
Debtors 6 16,516 16,614
Bank Current account 33,281 23,559
Bank Deposit accounts 223,431 185,747
273,228 225,920
Creditors
Amounts
falling due
within one year 7 (37,909) (21,914)
Net Current Assets 235,319 204,006
Total assets less current liabilities 3,340,885 3,327,667
Creditors
Amounts
falling due
after one year (196,376) (205,040)
Total Net Assets 14 83,144,509 63,122,627
The Funds ofthe Charity
Permanent
endowment
funds 10 55,814 61,631
Designated
funds
11 2,097,103 2,061,632
Property revaluation reserve 12 714,290 714,290
Investment
revaluation
reserve 13 164,293 176,571
Accumulated
income
reserve 14 113,009 108,503
63,144,509 63,122,627

3 Surplus on Ordinary
Activities
31/12/2022 31/12/2021
Surplus on ordinary
activities is stated after charging:
Auditors'
remuneration
in their capacity as Auditors
Surplus/(deficit)
on fair value movement ofinvestments
f,6,350
~f. 18,095
$5,976
&10,922
Fixed A ssets: Freehold Housin g Property
Sledall Nobles Rest Sandes John Aston Romleigh Total
Vistoria and Hospital Watkins and War
Aynsm Memorial
Chapel Gardens
Valuation 1
January 2022 1,370,000 715,000 450,000 180,000 80,000 2,795,000
Additions
(Impairment)/
(Reverse
revaluation)
Valuation as at
31/12/2022 KL370,000 f715,000 f450,000 f180,000 880,000 X2,795,000

5 Investinents Extraordinary Permanent Cyclical
Repairs Endowment Maintenance
Fund Fund Fund Total
Historical cost at 1 January 2022 46,102 13,714 44,357 104,173
Historical cost at 31December 2022 846,102 f13,714 644,357 I,104,173
Market value at I January 2022 193,012 61,631 74,018 328,661
Unrealised
surplus/(deficit)
(8,251) (5,817) (4,027) (18,095)
Market value at 31December 2022 8184,761 655,814 $69,991 8310,566
All the investments are placed with COIF and M/kG.
6 Debtors: Amounts Falling Due Within One Year 31/12/2022 31/12/2021
Weekly maintenance contributions 398 776
Less:provision for bad and doubtful debts
398 776
Other debtors
Prepayments 16,118 15,838
I16,516 II6,614
7 Creditors; Amounts Falling Due Within One Year 31/12/2022 31/12/2021
Trade creditors 17,427 287
Bank loan due within one year 13,882 13,882
Accruals and deferred income 6,600 7,745
$37,909 621,914
8 Creditors: Amounts Falling Due After One Year 31/12/2022 31/12/2021
8
Bank loan due afler one year 196,376 205,040
%196,376 8205,040

Based on the lenders earliest repayment
date, borrowings
are r
epayable
as follows:
31/12/2022 31/12/2021
Within one year or on demand 13,882 13,882
One year or more but less than two years
Two years or more but less than five years
14,354
44,713
14,354
44,713
Five years or more 137,309 145,973
F10,258 $218,922

31/12/2022 31/12/2021
Sleddall Victoria and Aynam Chapel 618,960 618,960
Nobles Rest 115,423 115,423
Sandes Hospital 102,197 102,197
John Aston Watkins 27,540 27,540
Romleigh
and War Memorial
Gardens 34,028
8898,148 f864,120
10 Permanent
Endowment
Funds Permanent Investment
Endowment Revaluation
Fund Fund Total
Balance at 1 January 2022 13,714 47,917 61,631
Unrealised
surplus/(deficit)
(5,817) (5,817)
Balance at 31 December 2022 f13,714 842,100 f55,814

11 Designated Funds Extraordinary Cyclical
Property Repairs Maintenance
Fund Fund Fund Total
Balance at 1 January 2022 1,875,670 139,689 46,273 2,061,632
Trfs (to)/from
Accumulated
Income reserve
4,310 7,497 11,807
Investment in property 8,664 8,664
Transfer for Decent Homes Standard 7,500 7,500 15,000
Balance at 31December 2022 81,884,334 8151,499 861,270 82,097,103
The Property
fund represents
internal
funds invested
in property.
The other funds represent
funds set aside for future
works on property.
12 Property Revaluation
Reserve
Social Housing
Revaluation
Reserve Total
Balance at 1 January 2022 714,290 714,290
Movement in the year
Balance at 31December 2022 f714,290 6714,290
13 Investment Revaluation
Reserve
Extraordinary Cyclical
Repairs Maintenance
Revaluation Revaluation Total
Balance at 1 January 2022 146,910 29,661 176,571
Unrealised surplus/(deficit) (8,251) (4,027) (12,278)
Balance at 31 December 2022 8138,659 f25,634 f164,293
14 Accumulated
Income Reserve
Balance at 1 January 2022 108,503
(Deficit) Surplus for the year ended 31 December 2022 39,977
Transfer fi'om/(to):
Investment in properly - mortgage repayments (8,664)
Investment in property - additions
Designated funds - extmordinary
repair
fund under spend (4,310)
Designated funds - cyclical maintenance fund under spend (7,497)
Designated funds - Decent Homes Standard (15,000) (35,471)
Balance at 31December 2022 113,009

Analysis o f net assets between f unds
Tangible Investments Creditors Total
Fixed Net Current dne after
Assets Assets one year
Permanent endowment funds 55,814 55,814
Designated funds 2,080,710 90,459 122,310 (196,376) 2,097,103
Property revaluation reserve 714,290 714,290
Investment revaluation reserve 164,293 164,293
Accumulated income reserve 113,009 113,009
X2,795,000 8310,566 8235,319 (196,376) X3,144,509