Charity registration number: 1177471
Clifford Chambers Relief In Need Charities CIO
Annual Report and Financial Statements
for the Year Ended 31 December 2023
Clifford Chambers Relief In Need Charities CIO
Contents (continued)
| Reference and Administrative Details | 1 |
|---|---|
| Trustees' Report | 2 to 5 |
| Statement of Trustees' Responsibilities | 6 |
| Independent Examiner's Report | 7 |
| Statement of Financial Activities | 8 |
| Balance Sheet | 9 |
| Notes to the Financial Statements | 10 to 19 |
Clifford Chambers Relief In Need Charities CIO
Reference and Administrative Details
Trustees
Charity Registration Number
John Gray Reverend Patrick Taylor Antonia Morris Paula Wright Ann Simons Tom Price Jonathan Tribe Victoria Cryan 1177471
Principal Office
Independent Examiner
Taymar Campden Road Clifford Chambers CV37 8JA
Fruition Advisory LLP 29 Wood Street Stratford-Upon-Avon Warwickshire CV37 6JG
Page 1
Clifford Chambers Relief In Need Charities CIO
Trustees' Report
The trustees present the annual report together with the financial statements of the charity for the year ended 31 December 2023.
Objectives and activities
Objects and aims
The Trustees shall first defray out of the income of the Charity all the proper costs, charges and expenses of administration and management of the Charities.
The Trustees shall apply the income of the Charity in relieving either generally or individually persons resident in the area of the Ancient Parish of Clifford Chambers who are in condition of need, hardship or distress by making grants of money, or providing or paying for items, services or facilities calculated to reduce the need, hardship or distress of such persons.
The Trustees may pay for items, services or facilities by way of donations or subscriptions to institutions or organisations which provide or undertake in the return of items, services or facilities for such persons.
Public benefit
The trustees confirm that they have complied with the requirements of section 4 of the Charities Act 2011 to have due regard to the public benefit guidance published by the Charity Commission for England and Wales.
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Clifford Chambers Relief In Need Charities CIO
Trustees' Report (continued)
Achievements and performance
During the financial year 2023 we appointed a chairman who has not been appointed as a Trustee to ensure the smooth running of the Charities Board meetings and to drive forward initiatives and policy decisions, to allow the Trustees to concentrate on their areas of responsibilities within the charity of education & welfare grants, administration, finance and accounts and the Almshouses and Commercial property.
Investment Income
The endowment received from investments in the year will be deemed to be the value available to distribute for grants applied, for Education and welfare. It is recognised that the ability to spend the endowment will be subject to the demand from grants applied for during the year. It is recognised by the Trustees that the value of endowment received during the year is to be available for Education and Welfare and to also cover any administration costs incurred. The expenditure on grants should not exceed the investment income received in any year unless there is surplus carried forward from previous years. There is no requirement to spend all the investment income received in the financial year, it has been agreed that any surplus can be carried forward to be utilised in future years on grants.
Grants
During the year there were no exceptional items of expenditure incurred. The grants paid out to Education were £102.7k, Welfare £49.2k were approved by the Trustees and administration costs incurred of £8.3k were in-line with expectations. Total grants and admin expenditure was £160.3k in-line with dividends received from investments of £169.2k resulting in a surplus of £8.9k.
Almhouses & Commercial Property
Almhouses (numbers 17, 49 and 50 Clifford Chambers) were fully occupied during the year. The Charities have a policy of continual improvement to its properties to ensure that residents enjoy the best standards of modern living achievable within in an elderly housing stock.
Rental Cottage (number 22 Clifford Chambers), the cottage was rented out at a commercial rent all year.
For the last three years extensive programme of works have been carried out on the three Almhouses held by the Charity and the one Commercial Property to improve and maintain the condition and living conditions of the housing stock. The cost incurred since January 2021 to 31st December 2023 was £64.1k.
The Trustees did not feel it was appropriate to increase the rent on any of the properties during this period until they were satisfied that all the works had been completed. In August 2023 rent increases were applied to The Almhouses of 7% and the Commercial property of 11%. It was agreed that the price increase should not be back dated for the previous three years.
The income collected during the year from Almhouses, and the Commercial residence was £21.8k net of management fees. Other income of £2.1k was received from rent of land and securities.
The reserves held as of 31st December 2023 were £20,801 an improvement of £6,838 compared to 31st December 2022. The surplus in future years of income over expenditure on the properties will enable the reserves to grow the sinking fund to safeguard against any unforeseen or exceptional expenditure.
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Clifford Chambers Relief In Need Charities CIO
Trustees' Report (continued)
It is recommended by The Almhouse Association, to hold reserves to cover the cost of short-, midand long-term maintenance and improvement.
Investments
The impact of the Ukraine war, pressure from high inflation and increased interest rates led to a drop in investment values during the financial year of 2022 of £761k. For the financial year ending 31st December 2023 there was considerable movement back to pre-2022 levels, with the closing value of investments being £5.9m up £529k.
The investment report from CCLA investments quotes that following several difficult months earlier in the year, the final quarter of 2023 brought a marked improvement in sentiment. The change in fortunes stemmed from investors' growing confidence that, after nearly two years of monetary policy tightening in the shape of rising official interest rates, relief was in sight and rates had not only peaked but would begin to decline before too long. For investors, a substantial element of 'good news' in the shape of an expected downturn in interest rates has recently been priced into asset markets. There is thus the potential for this positive sentiment to be reversed, should policy makers succeed in persuading markets that the relatively cautious approach they have been articulating is indeed likely to be executed which has led to the improvement in asset value at the end of the year.
Full year dividends received in 2023 from CCLA investments remained consistent with previous years, with a slight increase to £169.2k up £2k.
Financial review
It is the policy of the Charity to have all dividends which are paid quarterly to be paid into the current bank account to ensure there is sufficient funds available to pay Education and Welfare grants applied for during the year.
Policy on reserves
It is the policy of the Charity to maintain free reserves equivalent to at least six months operating expenditure (costs of generating funds and governance costs).
Structure, governance and management
Nature of governing document
This Charity is regulated by a scheme of the Charity Commissioners of 12 November 1969, as varied by a scheme of the Commissioners of 16 January 1973, and supplemental orders dated 10 December 1975 and 21 July 1982.
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Clifford Chambers Relief In Need Charities CIO
Trustees' Report (continued)
Recruitment and appointment of trustees
The Trust Deed states the body of Trustees shall consist, when complete, of 7 competent Trustees being two ex-officio Trustees, one nominative Trustee and four co-optative Trustees.
At the Trustee meeting of 27th October 2014, it was resolved to increase the number of Co-optative trustees from 4 to 5, therefore increasing the number of trustees to 8.
The ex-officio Trustees are The Rector of the Ecclesiastical Parish of St. Helen, Clifford Chambers and The Chairman of the Parish Council of Clifford Chambers.
The Nominative Trustee is appointed by the Parish Council of Clifford Chambers for a period of four years.
Co-optative Trustees shall be persons residing or carrying on business in or near the Parish of Clifford Chambers, appointed for a period of five years by a resolution of the Trustees passed at a special meeting of which 21 days’ notice has been given. They may be appointed not more than one month before the term of an existing Co-optative Trustee expires with effect from the date of expiry, but so that the latter may not vote on the matter.
Organisational structure
The Charity consists of the following:
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The Charity of George Annesley, founded by will dated 16 December 1869.
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The Charity of Sir Hugh Casnell comprised in a Scheme of the Charity Commissioners of 9 May
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- The Charity of Lister Dighton, founded by will dated 2 December 1805.
• The Charity of Thomas Jackson, founded by will and codicil proved at London on 20 November 1649 (exclusive of the Charity called Jacksons Educational Foundation).
• The share of the Charity of Reverend John Loggins applicable for the poor of the Ancient Parish of Clifford Chambers which is regulated by a Scheme of the Commissioners of 5 March 1889. The administrative details of the Charity can be found on page 1.
Financial instruments
Objectives and policies
The principal risk faced by the charity lies in the performance of investments. The trustees consider this risk to be mitigated by maintaining a diverse investment portfolio. The trustees do not consider there to be any significant risks associated with the operation of the charity.
Thanks
Thanks must be extended to our hardworking clerk and trustees for all of their efforts over a busy year.
The annual report was approved by the trustees of the charity on 9 September 2024 and signed on its behalfby:
......................................... Paula Wright Trustee
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Clifford Chambers Relief In Need Charities CIO
Statement of Trustees' Responsibilities
The trustees are responsible for preparing the trustees' report and the financial statements in accordance with the United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) and applicable law and regulations.
The law applicable to charities 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 of the charity for that period. In preparing these financial statements, the trustees are required to:
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select suitable accounting policies and then apply them consistently;
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observe the methods and principles in the Charities SORP;
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make judgements and estimates that are reasonable and prudent;
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state whether applicable accounting standards have been followed, subject to any material departures disclosed and explained in the financial statements; and
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prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in business.
The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charities (Accounts and Reports) Regulations 2008, and the provisions of the constitution. The trustees 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 corporate and financial information included on the charitable company's website. Legislation governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.
Approved by the trustees of the charity on 9 September 2024 and signed on its behalf by:
......................................... Paula Wright Trustee
Page 6
Clifford Chambers Relief In Need Charities CIO
Independent Examiner's Report to the trustees of Clifford Chambers Relief In Need Charities CIO
I report to the trustees on my examination of the accounts of Clifford Chambers Relief In Need Charities CIO for the year ended 31 December 2023.
Responsibilities and basis of report
As the charity trustees of Clifford Chambers Relief In Need Charities CIO 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 Clifford Chambers Relief In Need Charities CIO's accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all 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 giving me cause to believe that in any material respect:
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accounting records were not kept in respect of Clifford Chambers Relief In Need Charities CIO as required by section 130 of the Act; or
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the accounts do not accord with those records; or
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the accounts do not comply with the accounting 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.
......................................
Michelle Vincent Association of Certified Chartered Accountants
Fruition Advisory LLP 29 Wood Street Stratford-Upon-Avon Warwickshire CV37 6JG
9 September 2024
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Clifford Chambers Relief In Need Charities CIO
Statement of Financial Activities for the Year Ended 31 December 2023
| Note Income and Endowments from: Investment income 2 Expenditure on: Charitable activities 3 Other expenditure 4 Total Expenditure Gains/losses on investment assets Net movement in funds Reconciliation of funds Total funds brought forward Total funds carried forward 11 Note Income and Endowments from: Investment income 2 Expenditure on: Charitable activities Other expenditure 4 Total Expenditure Gains/losses on investment assets Net movement in funds Reconciliation of funds Total funds brought forward Total funds carried forward 11 |
Unrestricted £ 195,706 (152,008) (27,973) (179,981) - 15,725 232,401 248,126 Unrestricted £ 196,229 (170,165) (40,707) (210,872) - (14,643) 247,044 232,401 |
Endowment £ - - - - 529,156 529,156 6,342,978 6,872,134 Endowment £ - - - - (761,231) (761,231) 7,104,209 6,342,978 |
Total 2023 £ 195,706 (152,008) (27,973) |
|---|---|---|---|
| (179,981) | |||
| 529,156 | |||
| 544,881 6,575,379 |
|||
| 7,120,260 | |||
| Total 2022 £ 196,229 (170,165) (40,707) |
|||
| (210,872) | |||
| (761,231) | |||
| (775,874) 7,351,253 |
|||
| 6,575,379 |
All of the charity's activities derive from continuing operations during the above two periods.
The notes on pages 10 to 19 form an integral part of these financial statements. Page 8
Clifford Chambers Relief In Need Charities CIO
(Registration number: 1177471) Balance Sheet as at 31 December 2023
| Note Fixed assets Tangible assets 8 Investments 9 Current assets Cash at bank and in hand Creditors: Amounts falling due within one year 10 Net current assets Net assets Funds of the charity: Endowment Unrestricted income funds Unrestricted Total funds 11 |
2023 £ 600,000 6,456,642 7,056,642 65,058 (1,440) 63,618 7,120,260 6,872,134 248,126 7,120,260 |
2022 £ 600,000 5,927,486 |
|---|---|---|
| 6,527,486 | ||
| 49,329 (1,436) |
||
| 47,893 | ||
| 6,575,379 | ||
| 6,342,978 232,401 |
||
| 6,575,379 |
The financial statements on pages 8 to 19 were approved by the trustees, and authorised for issue on 9 September 2024 and signed on their behalf by:
.........................................
Paula Wright Trustee
The notes on pages 10 to 19 form an integral part of these financial statements. Page 9
Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023
1 Accounting policies
Statement of compliance
The financial statements have been prepared in accordance with 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 - (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.
Basis of preparation
Clifford Chambers Relief In Need Charities CIO meets the definition of a public benefit entity under FRS 102. The accounts (financial statements) have been prepared under the historical cost convention with items recognised at cost or transaction value unless otherwise stated in the relevant note(s) to these accounts.
Going concern
The trustees consider that there are no material uncertainties about the charity's ability to continue as a going concern.
Income and endowments
Investment income
Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the bank.
Expenditure
All expenditure is recognised once there is a legal or constructive obligation to that expenditure, it is probable settlement is required and the amount can be measured reliably. All costs are allocated to the applicable expenditure heading that aggregate similar costs to that category. Where costs cannot be directly attributed to particular headings they have been allocated on a basis consistent with the use of resources, with central staff costs allocated on the basis of time spent, and depreciation charges allocated on the portion of the asset’s use. Other support costs are allocated based on the spread of staff costs.
Charitable activities
Charitable expenditure comprises those costs incurred by the charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.
Grant provisions
Provisions for grants are made when the intention to make a grant has been communicated to the recipient but there is uncertainty about either the timing of the grant or the amount of grant payable.
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Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
Taxation
The charity is considered to pass the tests set out in Paragraph 1 Schedule 6 of the Finance Act 2010 and therefore it meets the definition of a charitable company for UK corporation tax purposes. Accordingly, the charity is potentially exempt from taxation in respect of income or capital gains received within categories covered by Chapter 3 Part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992, to the extent that such income or gains are applied exclusively to charitable purposes.
Tangible fixed assets
Almshouses are shown at their current estimated valuation and are not depreciated.
Investment properties
Investment property is carried at fair value, derived from the current market prices for comparable real estate determined annually by external valuers. The valuers use observable market prices, adjusted if necessary for any difference in the nature, location or condition of the specific asset. Changes in fair value are recognised in profit or loss.
Fixed asset investments
Fixed asset investments, other than programme related investments, are included at market value at the balance sheet date. Realised gains and losses on investments are calculated as the difference between sales proceeds and their market value at the start of the year, or their subsequent cost, and are charged or credited to the Statement of Financial Activities in the period of disposal.
Unrealised gains and losses represent the movement in market values during the year and are credited or charged to the Statement of Financial Activities based on the market value at the year end.
Cash and cash equivalents
Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.
Borrowings
Interest-bearing borrowings are initially recorded at fair value, net of transaction costs. Interest-bearing borrowings are subsequently carried at amortised cost, with the difference between the proceeds, net of transaction costs, and the amount due on redemption being recognised as a charge to the Statement of Financial Activities over the period of the relevant borrowing. Interest expense is recognised on the basis of the effective interest method and is included in interest payable and similar charges.
Borrowings are classified as current liabilities unless the charity has an unconditional right to defer settlement of the liability for at least twelve months after the reporting date.
Fund structure
Unrestricted income funds are general funds that are available for use at the trustees discretion in furtherance of the objectives of the charity.
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Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
Designated funds are unrestricted funds set aside for specific purposes at the discretion of the trustees.
Designated funds:
(i) Cyclical maintenance fund: This is a reserve fund for the purpose of providing for those items of ordinary maintenance and repair of the almshouses belonging to the Charity that recur at infrequent intervals.
(ii) Extraordinary repair fund: This is a reserve fund for the extraordinary repair, improvement or rebuilding of the almhouses belonging to the Charity.
2 Investment income
Unrestricted
| Income from dividends; Dividends receivable from other listed investments Income from rents |
Designated £ - 26,444 26,444 |
General £ 169,262 - 169,262 |
Total 2023 £ 169,262 26,444 195,706 |
Total 2022 £ 167,567 28,662 |
|---|---|---|---|---|
| 196,229 |
3 Expenditure on charitable activities
Unrestricted
| Grant funding of activities | General £ 152,008 |
Total 2023 £ 152,008 |
Total 2022 £ 170,165 |
|---|---|---|---|
Page 12
Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
4 Other expenditure
Unrestricted
| Legal fees Other resources expended Examination of the financial statements |
Designated £ 2,483 17,770 - 20,253 |
General £ - 6,275 1,445 7,720 |
Total 2023 £ 2,483 24,045 1,445 27,973 |
Total 2022 £ 2,397 35,586 2,724 |
|---|---|---|---|---|
| 40,707 |
5 Trustees remuneration and expenses
No trustees, nor any persons connected with them, have received any remuneration from the charity during the year.
No trustees have received any reimbursed expenses or any other benefits from the charity during the year.
6 Independent examiner's remuneration
| 2023 | 2022 | ||
|---|---|---|---|
| £ | £ | ||
| Examination | of the financial statements | 1,445 | 2,724 |
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Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
7 Taxation
The charity is a registered charity and is therefore exempt from taxation.
8 Tangible fixed assets
| 8 Tangible fixed assets |
||||
|---|---|---|---|---|
| Cost At 1 January 2023 At 31 December 2023 Depreciation At 31 December 2023 Net book value At 31 December 2023 At 31 December 2022 Fixed assets relate to three almhouses situated in Clifford Chambers. 9 Fixed asset investments Investment properties Other investments |
Land and buildings £ 600,000 |
Total £ 600,000 600,000 - 600,000 600,000 2022 £ 220,000 5,707,486 |
||
| 600,000 - |
||||
| 600,000 | ||||
| 600,000 | ||||
| 2023 £ 220,000 6,236,642 6,456,642 |
||||
| 5,927,486 |
Page 14
Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
Investment properties
| Cost or Valuation At 1 January 2023 Provision At 31 December 2023 Net book value At 31 December 2023 At 31 December 2022 |
Investment properties £ 220,000 |
|---|---|
| - | |
| 220,000 | |
| 220,000 |
The investment property was transferred to the CIO on it's formation on 31/01/2021 at a value of £220,000. This is considered by the Trustees to be the fair value. The Trustees intend to next formally value the property in 2024.
There has been no valuation of investment property by an independent valuer.
Other investments
| Cost or Valuation At 1 January 2023 Revaluation At 31 December 2023 Net book value At 31 December 2023 At 31 December 2022 |
Listed investments £ 5,387,486 529,156 5,916,642 5,916,642 5,387,486 |
Unlisted investments £ 320,000 - 320,000 320,000 320,000 |
Total £ 5,707,486 529,156 |
|---|---|---|---|
| 6,236,642 | |||
| 6,236,642 | |||
| 5,707,486 |
Fixed asset listed investments relate to investments held with CCLA and unlisted investments relate to farm land.
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Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
10 Creditors: amounts falling due within one year
Accruals
| 2023 £ 1,440 |
2022 £ 1,436 |
|---|---|
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Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
11 Funds
| Unrestricted funds General: Unrestricted income fund Designated: Property maintenance fund Total unrestricted funds Endowment funds Endowment funds Total funds |
Balance at 1 January 2023 £ 218,438 13,963 232,401 6,342,978 6,575,379 |
Incoming resources £ 169,262 26,444 195,706 - 195,706 |
Resources expended £ (159,728) (20,253) (179,981) - (179,981) |
Other recognised gains/(losses) £ - - - 529,156 529,156 |
Balance at 31 December 2023 £ 227,972 20,154 |
|---|---|---|---|---|---|
| 248,126 6,872,134 |
|||||
| 7,120,260 |
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Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
| Unrestricted funds General: Unrestricted income fund Designated: Property maintenance fund Total unrestricted funds Endowment funds Endowment funds Total funds |
Balance at 1 January 2022 £ 231,231 15,813 247,044 7,104,209 7,351,253 |
Incoming resources £ 167,567 28,662 196,229 - 196,229 |
Resources expended £ (180,360) (30,512) (210,872) - (210,872) |
Other recognised gains/(losses) £ - - - (761,231) (761,231) |
Balance at 31 December 2022 £ 218,438 13,963 |
|---|---|---|---|---|---|
| 232,401 6,342,978 |
|||||
| 6,575,379 |
Page 18
Clifford Chambers Relief In Need Charities CIO
Notes to the Financial Statements for the Year Ended 31 December 2023 (continued)
12 Analysis of net assets between funds
| Tangible fixed assets Fixed asset investments Current assets Current liabilities Total net assets |
Unrestricted General £ Designated £ - - 184,509 - 44,257 20,801 (1,440) - 227,326 20,801 |
Endowment funds £ 600,000 6,272,133 - - 6,872,133 |
Total funds £ 600,000 6,456,642 65,058 (1,440) |
|---|---|---|---|
| 7,120,260 |
13 Related party transactions
There were no related party transactions in the year.
Page 19
Issuer
Fruition Accountancy
Document generated Mon, 16th Sep 2024 20:00:01 BST
Document fingerprint a7b119d0eb256348241c124e0f1b1209
Parties involved with this document
Document processed
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Thu, 19th Sep 2024 14:58:03 BST Wed, 25th Sep 2024 16:01:40 BST
Mrs Paula Wright - Signer (35e68b6cb42263b881de84f3998c2fdf) Michelle Vincent - Signer (7dfd7bd5cd62f3758b9eba303510d889)
Audit history log
Date
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Envelope generated with fingerprint 6916d820ef4c1f633eb204e6fc00c6e035.176.231.177 Document generated with fingerprint a7b119d0eb256348241c124e0f1b1209.35.176.231.177 Document generated with fingerprint c1bf114b3dcfc840214deef8dff56986.35.176.231.177 Mrs Paula Wright has been assigned to this envelope.35.176.231.177 Michelle Vincent has been assigned to this envelope.35.176.231.177 Envelope generated Sent the envelope to Mrs Paula Wright for signing Document emailed to party email18.133.171.58 Mrs Paula Wright viewed the envelope86.170.202.156 Mrs Paula Wright signed the envelope86.170.202.156 Sent the envelope to Michelle Vincent for signing86.170.202.156 Document emailed to party email18.130.185.86 Mrs Paula Wright viewed the envelope86.170.202.156 Michelle Vincent viewed the envelope89.251.115.36 Michelle Vincent signed the envelope89.251.115.36 This envelope has been signed by all parties89.251.115.36 Michelle Vincent viewed the envelope89.251.115.36