The CtsTIty of Sarah Bernard
m$hou*. 8aT￿9￿, CM74TR
CharftyCornrnl$$ion No.. 1181
Dacum8ntTCoS8-0018
The Charity of Sarah Bernard
Receipts & Payments Accounts
For Year Ended 31 st December 2025
Reco￿1$ A¢￿Vn￿ 202S
1Jpd3￿ D&OI.2026

Th8 Ch8rlty ol Sarah Bem$r(J
Akrshou¥e. ult￿ BardloPJ. CM7 4TR
ch￿￿ty CoMn)￿l¢￿ M)." 118194$
OocuwiTCoSB- 0018
The Charlty ol Sarah Bernard
Rec81pts & Paymènt8 Accounts for Year End8d 31st D•c•mbèr 2025
Index
P$d•
TnJstge8 Annual RoFOrt
Indepsndant Examlneffs Report
Recelpls & Payments A￿OUnts
Statement of Assets & knabilitie$
ReQ￿pts Bnd Pa￿n￿l1>￿￿￿l8 202
2018
UWl£d 05￿1-2026

The Charity of Sarah Bemar¢l
m5housg, utt￿ èarthe￿, CM7 4YA
Commi¥KFll Nv.. 1181945
tkX>JMÈntTC￿q￿-lxll8
TRUSTEES, ANNUAL REPORT
FOR THE PERIOD
From
Slart Dato
To
End Dat
0110112025
3111212025
REFERENCE AND ADMINISTrAIION DEfAILS
harity Name-
The Charty of Sarah Bemard
Any other narng Charaty known by..
Non
Charity commission R￿IStratiOn No..
1181945
Charitys Principle Address:
Grove Bam, Oxen End
Litilè B8rdfie
Braintree, CM7 4PX
Names ol the Charity Trustees who Manage the Charity:
Trustee Name
orfieè
Date Added lif not lorwhole yearl
Judith Simpson
Mary Gardsner
Matthew Pease-wathin
Cha5r
Cler
Treasurer
Johanfte Hounslow
Trustee
Yvette Nobla Conner
Trustee
Flesigned 2110412026
Appointed 0510212026
Appointed 01109￿5
clai￿ Pease Wa￿n
Tru￿ee
Cathy Stuttle
Trustee
Names of the Trustees tor thè Charity, if any, lany custodian Trustogs}'.
Trustee Name
Ollice
Date Add¢d lif not for whole year)
ecelpts ￿ Paym•nts Atwunts 202S
3019
iW*gd 05￿1-2026

Th& Ch•rlly of sorah B•m8rd
Al￿￿￿0. Uwe )arthkld, CM7 4TFI
CharilyCcmml8Blw No,. 118t
D￿rnort TCoSB-0018
STRUCTURE. GOVERNANCE AND MANAGEMEwr
Dascription ol the Charity'5 Trusts
Typg ol Governing Document
Isg dogd, ¢*n8Uiubonl
The original Charfty was regislered with the Charity Comrni885on
IReglstered Numbèr 2095581. Th8 charity now operatGS and
manages the Charity as a Charitablo In¢orporated organisa￿On
whlch was reglstered wllh The Gharhy Comrnlsslon In Fobruary,
2019 (Registered Number 11819451.
Th¢ Char4ty is al80 a member ol..
Tha Almshou8ès Ass￿1￿110￿ (Member Ref M6331 and
The Independonl Housino Ombudsman Serwe (Member relorer￿8
A06321
How the Charity is Constitutod
19lllwBI. 4¥$ori&tloD. compatyl
Charitable In¢orporaled Organisation
Trustsè SèlEction Mathod
Igg ¥ppoihiod by, él&￿•d byl
Appolntsd by exlstlng Trustees
OBJECTIVE AND ACTIVITIES
Summary ol thè obja¢tlv08 of tha Charlty sgt out in its
governing docurnent
Tha Charity was set up specifically to hèlp ￿dOwS and spinsters in
the parish ol Little Bardlield who had I￿len on hard times. Over the
years the objectives have b68n changèd and we now otter
affordable housing to a wlde range ol Indlvldllds in difflcubtles In tho
surrounding area ol Litue Bardfield.
Summary DI the rnain ac1W￿eS in relation to these
objactivas
To provld& affordable aC￿m[n￿at1on to t*ose who mael the
Ch&rltys criteria and to maintain the bU1￿￿ng$ lo trnsure a proper
state ol repair, uslng contrlbutlon$ from r88id&nts, donatlons and
loans wh8re necessary
statement conlirmiftg whether the Tru$l895 havo had
regard to the guidance i￿U8{1 by tha Charily
Commi8slon on publ￿ bèn8fit
The Trusteès are aware ol the requlremgnl lo act in public benefit
and feèl that this Is being achleved through th8 work done in acting
towards the aims ol tha Charity. Th8 Trustegs conlirrn that they
have complled wlth tha rèquirèmonts of section 17 01 thè Charitie$
Act 2011 to have due regard to the public benefit ouidancè
ACHIEVEME￿ AND PERFORMANCE
Succèssfully moved all residents to advanced payment. Completed
new boiler installalion, cosl £9,841, offset by donation of £4.410
R9s01ved adjoining wall Issue. cost £9.984, offset by donation of
£2,225
Surnmary ol the main achSevements ol the Charlty
during the year
FINANCIAL REVIEW
Brlol statement on the Chthty's
pollcy on reserves
The Trustees r8cogntSe the need to maintaln an appropriate level ol
reseNes. A policy has bgen adopted that reservas should be
m8intrain8d at a Suff￿1¢￿t leve5 to ¢over:
1. Th810$8 016 months. operating income
2. The $stlmat8d costs ol covering potentlal rlsks whl¢h are
uuinsured or excluded Irom Ihe Charfty'8 insurance PDllcles
Ra(*lpt8 Pwx0rt8 Ao¢ounts 2025
4019
UPda￿d 05￿1402

Th• Charfty of Sarah Bernard
Jmshouse. Utr5e Barry￿e￿ CM74TR
T*Tr.' 1181945
t)wJm9nlTCoSB. OD18
Details ol any fund materially in deficit
None
OTHER INFORMATION
DECLIRATiON
The Twstses rjedare thatthey have approved the Tru￿eeS, report alJ)ve
Signed on behalf ofthe Charivs trustses
Signatur#=
Full Narne".
Judith Slmpson
Posltlon..
Chair
Date-
17 Of¢ .102
Sof9
Updai•u w1-2026

The Charlty of Sarah Bornard
m￿￿￿#0. UitK¥ 88rth￿￿, CM7 4TR
Ch&rityCLYNlli88ion No.. 118194S
Documgnl TCoSB- W18
INDEPENDENT EXAMINERS REPORT ON THE ACCOUNTS
Rgport lo tho Trustees ol..
Tho Charlly of Sarah Bernard
On accounts for tha pori¢d end¢d..
8111212025
Charily Number
1181945
Set Out on Pag8s'.
Responsibiliks And basis ol report
As the charfty's trustees you are responsibl8 lor the proparalion ol the accounts In
accwdance wAth the requlrements ol th& Chartlies Act 20111.lhe Act'l.
I roport in respect of my axaminatlon ol the charity'B accounts carried out under
ssclion 145 of th8 Act and in carrylng out rny eXamIna￿On I havg followed all the
applicablè Dliections glven by the Charity Commission unfJ8r SO¢1ion 14515llbl ol the
Indèpéndènt èxaminerfs staternenl
I have cornpleted my examlnallon. l ￿nfirM that no material rnatters havè come to my
attènllon in ¢onne¢tson with the examlnatlon oivSng me cause to believe that in any
material rospect..
1. accountlng records w&r8 not kept In r88pa¢l of tha charlty as r6oulrad by 89ction
130 of Ihe Act. or
2. the accounts do not accord thos8 r8cord8.
I have no concefns and havè come 8¢ro$$ no other matters in connecuon wth the
examinadon to whlch attents.on shouky be dr8wJ in this report in order lo enablo a
proper understandlng ol the accounts to be r&a¢A￿.
Slgned..
Date..
N8mé'.
Mark Pearson BFP FCA
R818V8nt Professlonal Qualiflcation
or body lil any)
In8titLrte of Chartered Accountants in Enoland and Wales
Address..
3 Warners Mlll. Silks Way
Bralntr88. ESSÈX
CM7 8G8
8 ar￿ PA￿￿nL9 A(tount82025
ed9
UpdAlod054JI.2D26

The Charity of Sarah Bernard
mshouse. 8ardftelrL CM74TR
Ch*tyCommis5son No.. 1181Q45
(h7pJryMnlYCoSB. 0018
CHARITY COMMISSION
FOR ENGLAND AND WALES
The Charity ot Sarah Bernard
1181945
CC16a
Receipts and Payments Accounts
C¢1101f2025
To
3111W2025
For the Period
From
Section A Receipts and Payments
Unreth¢ted
funds
to neBre5t £
Restrictsd
funds
lo nearest £
EndowmEnt
funds
to nearest £
Totsl fvnds
to nearest £
Last year
to negr8St £
A1 Rete
Imshous8 Com￿1￿
37,644
37,644
34,518
35
InterestR￿e
II&G Li51ributiw
IE8a P8g84 rxwnm8ntsl
212
213
203
4.410
31,000
Sub totsl(GrDSS ￿ forARJ
40,154
4N10
44564
65,7
2 Asset Bnd Investmenl sales
M&G Investrnent Transfers
seetsb
30,000
Sub total
30.L
y￿￿re¢￿Pts
40,154
4.410
95.755
A3Pa
Bank Charges
60
418
4.166
1.069
1,590
216
2,591
428
1,541
418
4.166
1,069
1,590
216
£591
4,974
AffmtyW*er
waoe th3rge
Int￿et' &gadèar
Routs"Tr&Repars &Mafftten
IErS8Th5C81PestC(￿trd IPA7Te5t
GardenTrwJ
knimtanls.. Annud & Feas
1,559
2,896
1.$41
4220
4,536
1.584
1.595
Le9￿1P[Ole*1o￿arFe￿5
M8mLwSuk. Omtthsm
EouN*ent F8irReTrt
2,IOD
315
18
18
83,910
324
18
186
15.415
Mal￿Pro1￿*cO* (see pa9e4ccm&itsi
4.410
19A25
Sub t(tsl
31,837
4410
36247
534
A4 A55et and iTNe5tment pur¢has8& (see table)
Loans Repayment- Kitchen & R¥wf
18G InvestmentTransfers
5250
10.WO
15.250
5250
10,000
15,250
Sub tolal
47￿￿7
4,410
51.497
88.159
Payments Acwunts 2025
7of9
Updaied 05411Q026

Tho Ch#rlty of SArah Bemard
A￿s￿￿Se, Uila BaFdllah4. Ch17 4TR
ChBrfly COmm￿B￿n Nts., 1181945
lknmèni TCoSB- 0018
NalOfrec*t￿￿rnents)
A5 Transf8rs be￿68￿ fund8
A6 Cg$h fund$189t year ond
G•8h funds th15 y88r6nd
16,9331
933
7,596
1174
19,748
12,815
12,152
19.748
Section B Statement ol assets and liabilities at the end of the period
Unrestricted
fund8
to nearèvt £
Re51ricted
funds
lo n68r8St £
Endowment
Jnd$
to nea￿t £
C•tegorle•
Dota118
Bl Co$h lund$
CAFCash WC No OOD33130
CAFGold rt No 000999518lF
CCLA COIF AIC C038066568-001
Total cash fvnds
(agree bak4n¢es wlth 16eeipt5 and
payment8 accountlsll
10,8BO
10B6
49
12,B15
Unrestslcted
lunds
to neBrest £
R￿trIcted
lund8
to ne8re8t £
Endowment
fund5
to n&Awt e
Doto118
Detalls
Fund to whl¢h
a88Ot belon
gndowmgnl
Endornnt
Unrestrf¢t
Current valu9
o tlonal
1,572
3,599
113,146
Cost lopllonall
83 Inve$tm8nt aB86ts
M&G 0024004222 Endowment
M&Q 0024004224 Endowment
M&Q 00240042Y8 ERF
Do1￿1•
Fund to whlch
aB8Ot belon
Curranl valu8
tlonal
Cost loptlonall
own uso
D8taN$
Fund to whl¢h
relat08
Unr8slrlct8d
Unr8slrfcl8d
Unresirfci8d
Unre$irf¢ted
Unreslri¢ted
Amolmt duo
Whon du•
lonal
B5 LlabllltlaB
Alm5￿uSe Assc. Kllchen Loan
Al￿￿U58 A55c. Roof Loan
Oil DelFvery 27-11-25, Involc8 TF
Glgacleai Intern8t 18 mnth @ rJe
2025 Accounlancy188S
9,188
23,625
847
1,026
Signature
Prlnt Name
Approvgl Date
Rec8Wt3 and Paymorts AowniF 2025
8of9
Uwod 05￿1-2028

The Charfty of &rah Bernard
Msho￿. sa￿dd, Cld74Tr
arityCommls8ion Nty.. 1181$45
D¢¢uN￿T¢￿S￿. LK11B
Slgned by ortwo trusl88s on
be￿11 ot all the twsttts
Judith Simpson
Matthew p￿W￿tkIn
R8coW 8DCI Payments Arwjnts 2025
9019
Up¢atèO 0S￿l.2cQ6