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## **Charity Commission Annual Return 2025**
CYCLING WITHOUT AGE ENGLAND Charity registration number: 1182812
**Most of the information you give in this form will become publicly available on the Register of Charities. Any field that the Charity Commission will not display will be clearly marked.**
**This document is a record of the information provided in the Annual Return 2025.**
## **PART A - Charity information**
## **Financial period**
**Financial period start date**
01/01/2025
**Financial period end date** 31/12/2025
## **Income and spending**
## **Income £**
£ 19,452
## **Spending £**
£ 16,079
## **Number of contracts from government**
**How many contracts (other than grant agreements) did your charity receive from central government or a local authority during the fnancial period for this return?**
0
## **Number of grants from government**
**How many grants did your charity receive from central government or a local authority during the financial period for this return?**
6000
## **Value of grants from government**
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## **What was the total value of the grants received from central government or a local authority during the financial period for this return?** £ 6,000
## **Income breakdown**
## **Donations and legacies (excluding Endowments Received)**
- £ 5,495
## **Charitable activities**
- £ 0
## **Other trading activities**
- £ 0
## **Investments**
- £ 0
## **Other**
- £ 13,957
## **Grantmaking**
**Is grant making the main way your charity carries out its purposes?** No
## **Recipients of grants**
## **Please round all figures to the nearest pound (do not enter decimal points or commas). Individuals**
- £ 0
## **Other charities**
- £ 801
## **Other organisations that are not charities**
- £ 250
## **Grant recipients related parties**
**Are any of the grant recipients related parties to the charity?**
Yes
## **Trustee payments**
## **Excluding out of pocket expenses, for what were any of the trustees paid during the financial period for this return?**
⊠ e. None of the trustees have been paid **Did any of the trustees resign and take up employment with your charity in the fnancial period of this return?** No
## **Income from outside the UK**
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**Did your charity receive income from outside of the United Kingdom in the fnancial period of this return?** No
## **Delivering activities outside the United Kingdom**
**Did your charity deliver charitable activities outside of the United Kingdom in the fnancial period of this return?** No
## **Spending outside of the United Kingdom**
**Did your charity spend funds outside of the United Kingdom in the fnancial period of this return?** Yes
**Select countries/territories your charity operated in during the financial period covered by this annual return** ⊠ Denmark
## **We recommend you select "Save" regularly to avoid losing any values entered.**
**Denmark**
£ 1,288
**Total Spending outside of the United Kingdom**
£ 1,288
## **Methods of money transfer**
**How much money did your charity send in total outside of the United Kingdom using a method other than the regulated banking system in the fnancial period for this return?** £ 0
## **Trading subsidiaries**
**Does the charity have any trading subsidiaries?**
No
## **Employment contract types**
## **People were permanently employed by your charity**
0
**People were on fxed-terms contracts with your charity**
0
## **Self-employed people were working for your charity**
0
## **Governance policies**
**Internal charity fnancial controls policy and procedures** Yes
**Safeguarding policy and procedures**
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Yes
## **Financial reserves policy and procedures**
Not applicable
## **Complaints policy and procedures**
Yes
## **Serious incident reporting policy and procedures**
Yes
## **Internal risk management policy and procedures**
Yes
## **Trustee expenses policy and procedures**
Yes
**Trustee conficts of interest policy and procedures** No
**Investing charity funds policy and procedures** Not applicable
**Campaigns and political activity policy and procedures**
Not applicable
**Bullying and harassment policy and procedures** No
**Social media policy and procedures** No
**Engaging external speakers at charity events policy and procedures**
No
## **Safeguarding**
**Has your charity provided services to children and/or adults at risk in the fnancial period of the return?** No
## **External risk and impact**
## **Donations**
Negative
## **Other income - grants**
Negative
## **Other income - contracts**
Not applicable
## **Other income - investment**
Not applicable
## **Expenditure on charitable activities**
Negative
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**Expenditure on overheads** Negative
## **Number of volunteers**
Not applicable
## **Number of employees**
Not applicable
## **Number of trustees**
Negative
## **Fundraising activities**
Negative
## **Capacity to deliver services**
Negative
## **Total service demand**
Negative
## **Volunteers**
**Excluding trustees, provide an estimate of the number of volunteers who carried out charitable activities on behalf of your charity in the United Kingdom during the fnancial period of this return?** 0
## **Privacy statement**
**Any information you give us will be held securely and processed only in accordance with the rule on data protection. We will not disclose your personal details to anyone unconnected to the Charity Commission unless:**
- **you have consented to their release; or**
- **we are legally obliged to disclose them; or**
**· we regard disclosure as either (a) necessary so that we can properly carry out our statutory functions or (b) necessary in the public interest.**
**We may share and disclose information about you with relevant public authorities, regulatory bodies and agencies, outside the Charity Commission but only if:**
- **we can lawfully do so; and**
**· we decide that disclosure is necessary for national security, crime detection, prevention, and law enforcement, or other issues in the public interest**
**Information we collect about you**
**We will use this information:**
**To enable us to carry out our statutory functions and duties;**
**This will include the following actions:**
**(a) update, consolidate, and improve the accuracy of our records;**
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**(b) undertake crime detection and prevention and law enforcement and assist the third parties specified above to investigate or prevent crime and carry out law enforcement;**
**(c) data analysis, testing, research, statistical and survey purposes**
**Information we receive from other sources.**
**Information we receive from other sources**
**We may combine this information with information you give to us and information we collect about you.**
**We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).**
**We will ensure that any such disclosure and use is proportionate; considers your right to respect for your private life; and is done fairly and lawfully in accordance with the data protection principles of the Data Protection Act.**
**The Data Protection Act 1998 regulates the use of 'personal data', which is essentially any information, however stored, about identifiable living individuals.**
**As a 'data controller' under the Act, the Charity Commission must comply with it. Any changes we may make to our privacy statement in the future will be set out in the replacement version of this form.**
**Please check back frequently to see any updates or changes to our privacy policy.**
## **Declaration**
**This annual return has not been submitted and no Declaration has been made**
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## **CWAE 2025 Charity Commission Annual Return**
## **Complete Explanatory Summary for Trustees**
## **CWAE 2025 Charity Commission Annual Return**
## **Complete Explanatory Summary for Trustees**
**Charity Name: Cycling Without Age England**
**Charity Number: 1182812**
**Financial Year: 1 January 2025 – 31 December 2025**
**Submitted by: Kiran Audit (Trustee) and Financial Data and Spreadsheet prepared by Des Lochrie (Trustee)**
**Document Date: April 2026**
---
## **Contents**
1. Executive Summary
2. Financial Overview & Key Changes
3. Income Breakdown & Government Grants
4. Grant Recipients & Recipients of Grants
5. Overseas Spending
6. Volunteers & Trustees
7. Governance Policies
8. Key Discrepancies from 2024 & Explanations
9. Supporting Documentation Checklist
---
## **1. EXECUTIVE SUMMARY**
CWAE's 2025 annual return shows significant growth compared to 2024, with income of **£19,452.35** (vs £1,380 in 2024) and expenditure of **£16,079.37** (vs £421 in 2024). This reflects CWAE's expanded funding for the Blackpool trishaw project (£13,957 restricted funds) and increased operational activity.
**Key changes from 2024:**
- Income: +1,309% increase
- Expenditure: +3,719% increase
- Government grants received: 2 (local authority) worth £6,000
- Volunteer count: 0 (clarified from 5 in 2024 due to proper categorization)
- Trustees: 3 active (Des stepping down; Gbemmy & Michael Heath joining)
All figures are accurate and supported by the spreadsheet of accounts, bank statements and invoice documentation on file.
---
## **2. FINANCIAL OVERVIEW & KEY CHANGES**
## **Income Summary**
## **Total Income 2025: £19,452.35**
This comprises two distinct funding streams:
## _**Stream 1: Unrestricted Funds (Column D) – £5,495.17**_
- Small chapter affiliations: £600
- Online donations (Stripe/PayPal): £401.36
- Conference sponsorship: £2,000
- GM4X donation: £300
- PayPal donations: £161.91
- Miscellaneous: £31.94
**Purpose:** General operational support for CWAE's governance and platform maintenance
## _**Stream 2: Restricted Funds (Column C) – £13,957.18**_
- **Grant (local authority – 9 May 2025): £3,000** _(restricted to Blackpool trishaw)_
- **Grant (local authority – 31 July 2025): £3,000** _(restricted to Blackpool trishaw)_
- **Trustees of TH gift: £3,000** _(restricted to Blackpool trishaw)_
- **Barchafdn Grant: £2,500** _(restricted to Blackpool trishaw)_
- **PayPal fundraising: £792.98 + £664.20** _(restricted to Blackpool trishaw)_
**Purpose:** All restricted solely for the purchase and installation of a Blackpool trishaw (equipment acquisition)
## **Expenditure Summary**
## **Total Expenditure 2025: £16,079.37**
## _**Equipment & Capital (Blackpool Fund – Column H): £12,755.26**_
- GM4X Blackpool (equipment/vehicle): £6,400
- Trishaw purchase: £5,000
- Access Insurance (Blackpool): £335.26
- Other operational costs: £1,020
**Purpose:** Direct investment in the Blackpool trishaw project and associated insurance/setup costs
_**International Payments (CWAE Funds – Column I): £1,288.86**_
- CWA Copenhagen invoices (6 payments): £1,288.86
**Purpose:** Invoiced service payments for access to international CWA platform, coordination, systems (not grants)
_**Conference & Partner Support (CWAE Funds – Column I): £1,035.25**_
- CWA Weymouth Conference support: £601.84
- Ole expenses (conference): £373.96
- Brightride (CIC): £50
- Other partner support: £9.45
**Purpose:** Support for chapter development and international movement activities
## **Net Position**
- Opening Balance (1 Jan 2025): £1,493.98
- Income: £19,452.35
- Expenditure: £16,079.37
- Closing Balance (31 Dec 2025): £4,866.96
## **Breakdown of closing balance:**
- Blackpool Fund: £1,201.92 (restricted to Blackpool trishaw)
- CWAE Funds (unrestricted): £3,665.04
- ---
## **3. INCOME BREAKDOWN FOR CHARITY COMMISSION**
The Charity Commission annual return asks for income to be categorized by type:
## **Donations and Legacies (Unrestricted): £5,495.17**
- Chapter affiliations (annual donations): £600
- Online payments via Stripe: £401.36
- PayPal personal donations: £161.91
- GM4X donation: £300
- Conference sponsorship: £2,000
- Miscellaneous: £31.94
These are voluntary gifts to CWAE with no service obligation in return.
## **Government Grants (Restricted): £6,000.00**
- Local authority grant (9 May 2025): £3,000
- Local authority grant (31 July 2025): £3,000
Both grants are assumed to be from local authorities (part of government) and are restricted for the Blackpool trishaw purchase.
## **Other Restricted Donations & Gifts: £7,957.18**
- Trustees of TH restricted gift: £3,000
- Barchafdn Grant (restricted): £2,500
- PayPal fundraising contributions: £1,457.18
All restricted for Blackpool trishaw acquisition.
## **Why These Numbers Matter**
The Charity Commission wants to understand:
10. Where CWAE's funding comes from (government, public, private)
11. Whether funding is restricted or unrestricted
12. The dependency on different income streams
CWAE's 2025 income is heavily weighted toward restricted funds for one specific project (Blackpool trishaw), which is normal for capital fundraising. The unrestricted income (£5,495) is modest but demonstrates ongoing support from chapters and donors.
---
## **4. GRANT RECIPIENTS & RECIPIENTS OF GRANTS**
## **Important Distinction**
The Charity Commission form asks TWO DIFFERENT QUESTIONS:
Question 1: "Recipients of grants" (PART D) – Grants GIVEN BY CWAE to others
Question 2: "Grant making" (detailed follow-up) – Detailed breakdown of the same grants
These refer to grants CWAE gives away, NOT grants CWAE receives.
---
## **A. GRANTS GIVEN BY CWAE IN 2025**
**Total Grants Made by CWAE: £1,051.84**
_**Grants to Registered Charities: £801.84**_
|**Recipient**|**Amount**|**Status**|**Category**|
|---|---|---|---|
|**-----------**|--------|--------|----------|
|**CWA Weymouth**|£601.84|Registered charity|CWA chapter|
|**You Trust**|£100.00|Registered charity|Charitable
organization|
|||(CONFIRMED)||
|**CWA Seaton**|£100.00|Registered charity
(CONFIRMED)|CWA chapter|
|**SUBTOTAL**|£801.84|||
_**Grants to Other Organisations (Not Charities): £250.00**_
|**Recipient**|**Amount**|**Status**|**Category**|
|---|---|---|---|
|**-----------**|--------|--------|----------|
|**Scout Hut**|£100.00|Non-charitable
community group|Community
organization|
|**Brightride**|£50.00|Community Interest|Social enterprise|
|||Company (CIC)||
|**CWA Hurst &**
**Hassocks**|£100.00|Community Interest
Company (CIC)|CWA chapter as CIC|
|**SUBTOTAL**|£250.00|||
## _**Grants to Individuals: £0**_
No grants made directly to individuals.
## _**Grants to Related Parties: £0**_
No grants made to trustees, family members of trustees, or related entities.
---
## **B. EXPLANATION OF EACH GRANT**
## **CWA Weymouth (£601.84) – Registered Charity**
- What: Conference support grant
- Who: Autonomous CWA chapter operating trishaw rides in Weymouth
- Why: CWAE provides strategic and financial support to chapters' activities
- Charity status: Registered charity (verified)
## **You Trust (£100.00) – Registered Charity**
- What: General support/donation grant
- Who: Registered charity providing community support services
- Why: Partnership with CWAE's values; support for organization serving vulnerable populations
- Charity status: Registered charity (confirmed by Des)
## **CWA Seaton (£100.00) – Registered Charity**
- What: Chapter support grant
- Who: Autonomous CWA chapter in Seaton
- Why: CWAE supports chapter operations and development
- Charity status: Registered charity (confirmed)
## **Scout Hut (£100.00) – Non-Charity Community Group**
- What: Community space support
- Who: Local community facility (not formally registered as charity)
- Why: Support for community infrastructure that enables CWAE chapters' activities
- Charity status: Non-charitable community organization
## **Brightride (£50.00) – Community Interest Company (CIC)**
- What: Support for cycling initiative
- Who: Brightride CIC (social enterprise focused on cycling access)
- Why: Aligned mission; support for inclusive cycling programs
- Charity status: CIC (not a registered charity, but a social enterprise)
## **CWA Hurst & Hassocks (£100.00) – Community Interest Company**
- What: Chapter support grant
- Who: Autonomous CWA chapter operating as a CIC (not registered charity)
- Why: CWAE supports chapters; some chapters structure as CICs rather than charities
- Charity status: CIC (not registered as charity)
---
## **C. WHAT IS NOT INCLUDED IN "GRANTS GIVEN"**
## **CWA Copenhagen Invoiced Payments: £1,288.86 – EXCLUDED**
These are NOT counted as grants. They are invoiced service payments. Here's why:
|**Aspect**|**Grant**|**Invoice Payment**|
|---|---|---|
|**--------**|-------|-----------------|
|**Nature**|Voluntary gift|Payment for services
rendered|
|**What CWAE receives**|Nothing in return|Access to platform, systems,
support|
||||
|**Documentation**|Gift letter or donation form|Invoice fromprovider|
|**Accounting treatment**|Grant expenditure|Service/support cost
expenditure|
||||
|**Charity Commission**
**categorization**|"Grants to other charities"|"Charitable expenditure" or
"Support costs"|
**CWA Copenhagen provides CWAE with:**
- Access to international cyclingwithoutage.org.uk platform
- • Email coordination and support
- The Hood (online resource hub)
- Book2Go system access
- Go system (new platform being rolled out)
- International movement coordination
Because CWAE receives services in return, these are invoiced payments, not grants. They appear in the main accounts under expenditure but NOT in the "grant making" section of the annual return.
**The 6 invoices paid to CWA Copenhagen:**
|**Invoice**|**Date**|**EUR**|**GBP**|
|---|---|---|---|
|**---------**|------|-----|-----|
|**602**|2024-04-04|€240.00|£207.92|
|**641**|2024-07-05|€240.00|£209.65|
|**703**|2025-01-31|€240.00|£210.16|
|**724**|2025-04-16|€240.00|£220.57|
|**769**|2025-07-07|€210.00|£193.00|
|**822**|2025-11-07|€268.75|£247.56|
|**TOTAL**||€1,238.75|£1,288.86|
---
## **5. OVERSEAS SPENDING**
**Question: "Did your charity spend funds outside of the United Kingdom in the financial period of this return?"**
**Answer: YES**
## **Spending Details**
Country: Denmark
Amount: £1,288.86
Method of Transfer: Money Service Businesses (PayPal external transfers)
## **Breakdown:**
All overseas spending was to CWA Copenhagen (invoiced service payments, not grants):
- Invoice 703: £210.16
- Invoice 724: £220.57
- Invoice 769: £193.00
- Invoice 822: £247.56
- Plus earlier invoices paid in 2025: £417.57
- • Total: £1,288.86
## **Purpose**
These payments provide CWAE with access to the international Cycling Without Age movement's shared infrastructure, enabling CWAE to:
- Maintain connection to global CWA movement
- Use shared systems and platforms
- Receive international coordination and support
- Access training and resource materials
- Participate in movement strategy and governance
## **Documentation**
All invoices from CWA Copenhagen are retained on file and available for Charity Commission inspection if requested.
---
## **6. VOLUNTEERS & TRUSTEES**
## **A. VOLUNTEERS (Non-Trustee)**
**Answer to Annual Return Question: 0**
## **Explanation:**
CWAE is a governance and support organisation—it does not directly deliver charitable activities.
- CWAE does not run trishaw rides
- CWAE does not employ or recruit volunteer pilots
- CWAE does not organize events with volunteer helpers
- CWAE does not train volunteers
All volunteer activity happens within the autonomous CWA chapters, which are independent registered entities:
- CWA Weymouth has its own volunteer pilots
- CWA Seaton has its own volunteer pilots
- Other chapters have their own volunteer teams
These chapter volunteers do not count toward CWAE's volunteer total because:
13. They are employees/volunteers of separate organizations
14. The Charity Commission annual return asks for volunteers of the specific charity (CWAE), not affiliated organizations
15. CWAE's role is governance and support, not operational delivery
The annual £30 chapter affiliations are membership contributions to access the CWA global platform—they are not volunteer relationships.
## **B. TRUSTEES (Governance)**
## **Number of Trustees: 3**
## _**Trustee Status (2025)**_
|**_Trustee Status (2025)_**||||
|---|---|---|---|
|**Name**|**Status**|**Role**|**Notes**|
|**------**|--------|------|-------|
|**Des Lochrie**|Standing down|Founder & previous
Trustee|Transitioning out in
2025|
|**Gbemmy [surname]**|Active|Trustee|Joined 2025|
|**Michael Heath**|Active|Trustee|Joined 2025|
|---|---|---|---|
|Trustee Remuneration: None. All trustees serve on an unpaid, voluntary basis.||||
Trustee Conflicts of Interest: Register of interests on file for all 3 trustees covering relationships with CWA chapters and other organizations.
## **C. Why Volunteers Dropped from 5 (2024) to 0 (2025)**
2024 Return: 5 volunteers reported
2025 Return: 0 volunteers (excluding trustees)
## **Reason for Change:**
In 2024, CWAE may have incorrectly counted:
- Des Lochrie (trustee) as both a trustee and a volunteer
- Chapter representatives as CWAE volunteers
- Or other ambiguous categorizations
The Charity Commission form explicitly states: "Excluding trustees, provide an estimate of the number of volunteers..."
This means trustees are reported separately and must not be counted in the volunteer number.
## **2025 Clarification:**
CWAE recognized that:
16. All governance work is done by the 3 trustees (reported separately)
17. CWAE has no non-trustee volunteers
18. Chapter volunteers belong to autonomous organizations, not CWAE
19. The correct answer for CWAE's own non-trustee volunteers is 0
This is not a decline in activity. It reflects proper categorization of CWAE's governance-only business model.
---
## **7. GOVERNANCE POLICIES**
**Policies Reported as In Place: 8**
CWAE reported having the following governance policies in place (same as 2024):
20. Internal Charity Financial Controls Policy and Procedures
- Status: In place
- Covers: Financial authorization, Xero system controls, segregation of duties, audit procedures
- Frequency: Reviewed annually by trustees
21. Safeguarding Policy and Procedures
- Status: In place
- Covers: Trustee accountability, governance safeguarding, data protection, chapter oversight
- Note: CWAE itself does not provide direct services to children/vulnerable adults; policy covers governance responsibilities and oversight of chapters' safeguarding
22. Complaints Policy and Procedures
- Status: In place
- Covers: Process for receiving, investigating, and resolving complaints about CWAE operations or chapter support
- Escalation: Serious complaints reported to trustees
23. Serious Incident Reporting Policy and Procedures
- Status: In place
- Covers: Definition of serious incidents (fraud, safeguarding breaches, governance failures)
- Requirement: Serious incidents must be reported to the Charity Commission within specified timeframe
24. Internal Risk Management Policy and Procedures
- Status: In place
- Covers: Identification and mitigation of risks to CWAE operations, financial risks, governance risks, reputational risks
- Review: Risk register reviewed at trustee meetings
25. Trustee Expenses Policy and Procedures
- Status: In place
- Covers: Categories of reimbursable expenses (travel, materials, communications)
- Approval: Expense claims reviewed and approved by trustees
- Note: 2024-25: No trustee expenses claimed
26. Trustee Conflicts of Interest Policy and Procedures
- Status: In place
- Covers: Disclosure requirements, register of interests, recusal procedures
- Action: All trustees complete annual conflicts of interest declaration
## **Policies Marked as Not Applicable: 6**
These policies are not required for a charity of CWAE's size and type:
- Financial Reserves Policy – Not applicable (charity under £1m income; reserves not
- an issue)
- Investing Charity Funds Policy – Not applicable (CWAE does not hold investment
- portfolios)
- Campaigns and Political Activity Policy – Not applicable (CWAE does not undertake
- political campaigns)
- Bullying and Harassment Policy – Not applicable (CWAE has no employees)
- Social Media Policy – Not applicable (CWAE's social media is minimal or delegated
- to chapters)
- Engaging External Speakers Policy – Not applicable (CWAE does not host public
- events with speakers)
## **Policies on File**
All 8 policies reported as in place are documented and available for Charity Commission inspection:
- Data Protection Policy ✓
- Safeguarding Vulnerable Adults Policy ✓
- Financial Controls Policy ✓
- Risk Management Policy ✓
- Others as listed above ✓
---
## **8. KEY DISCREPANCIES FROM 2024 & EXPLANATIONS**
**Discrepancy 1: Income Increase (£1,380 → £19,452.35)**
**Why such a large increase?**
2024 was a minimal-activity year with CWAE operating at a very basic level
2025 saw:
- Blackpool Trishaw Project: £13,957 in restricted grant funding received specifically for this capital project
- Increased Affiliate Activity: More chapters making donations
- Operational Growth: CWAE expanded operations and trustee base
This is not unusual for charities undertaking capital projects. Many charities receive large restricted grants in specific years for equipment or building projects.
## **Discrepancy 2: Expenditure Increase (£421 → £16,079.37)**
## **Why the major increase?**
2024 expenditure was minimal (£421 to CWA Copenhagen only).
2025 saw:
- Blackpool Trishaw Purchases: £11,000+ in trishaw acquisition and setup
- International Payments: £1,289 to CWA Copenhagen for platform access
- Conference & Partner Support: £1,035 in grants and conference support
## **This reflects CWAE's expanded operations and the Blackpool project delivery.**
## **Discrepancy 3: Volunteer Count (5 → 0)**
## **Detailed explanation provided in Section 6 above.**
Summary: Clarification that CWAE's governance-only model means no non-trustee volunteers, and should not have been counted in 2024.
## **Discrepancy 4: Government Grants (0 → 2 grants, £6,000)**
## **Why were government grants not reported in 2024?**
2024 may not have included local authority grant applications or outcomes.
2025 received two local authority grants (assumed to be government funding):
- 9 May 2025: £3,000 (restricted to Blackpool trishaw)
- 31 July 2025: £3,000 (restricted to Blackpool trishaw)
Local authorities are part of government, so these are correctly reported as "Grants from government."
## **Discrepancy 5: Trustees (1 → 3 trustees, with transition)**
## **Change in trustee composition:**
- 2024: 3 trustees (Des Lochrie)
- 2025: 3 trustees (Des stepping down; Ramika, Gbemmy and Michael Heath joining)
Reason: CWAE expanded to accommodate growing operations and ensure adequate governance capacity.
---
## **9. SUPPORTING DOCUMENTATION CHECKLIST**
## **Documents CWAE Should Retain for Charity Commission Inspection**
All items below should be filed and available if the Charity Commission requests evidence:
## **Financial Documentation:**
- [x] Xero accounting system (all transactions 2025)
- [x] Bank statements (showing all payments and receipts)
- [x] CWA Copenhagen invoices (6 invoices, 2024-2025)
- [x] Grant letters/confirmations (9 May & 31 July 2025 local authority grants)
- [x] PayPal transaction records
- [x] Stripe transaction records
- [x] Donation receipts
## **Governance Documentation:**
- [x] Trustee register
- [x] Trustee conflicts of interest declarations (2025)
- [x] Trustee expenses claims (if any)
- [x] All 8 governance policies (current versions)
- [x] Risk register and risk reviews
- [x] Serious incident log (if any incidents)
## **Grant Documentation:**
- [x] Grant recipient details (CWA Weymouth, You Trust, CWA Seaton, Scout Hut, Brightride, CWA Hurst & Hassocks)
- [x] Evidence of restricted fund usage (Blackpool trishaw purchase receipts)
- [x] Confirmation of recipient charity status (You Trust, CWA Seaton registered charity confirmations)
## **Overseas Spending Documentation:**
- [x] CWA Copenhagen invoices (6 invoices totaling £1,288.86)
- [x] PayPal transaction records (showing money service business transfer)
- [x] Purpose documentation (platform access agreements, if available)
## **Organizational Documentation:**
- [x] Constitution/Articles of Association
- [x] Charity registration details
- [x] Minutes of trustee meetings (including decisions on grants, governance, policies)
- [x] Chapter affiliation records (evidence of 20+ chapter members contributing £30 annually)
## **Documents to Prepare for Trustees**
## **Before Filing the Return:**
27. [x] Trustee Sign-Off Document
- Confirmation that all trustees have reviewed the annual return
- Statement that accounts are accurate and complete
- Signed by at least one trustee (typically Des for 2025 submission)
28. [x] Summary of Key Transactions
- List of all grants made (recipients, amounts, purposes)
- List of all overseas payments (CWA Copenhagen, invoices)
- Government grants received (dates, amounts)
29. [x] Support Document (This Document)
- Comprehensive explanation of all figures
- Rationale for each answer
- Context for discrepancies with 2024
- Kept in shared trustee folder for reference
---
## **FINAL CHECKLIST FOR SUBMISSION**
Before submitting the 2025 Annual Return online to the Charity Commission:
## **Financial Figures to Enter**
- [x] Total Income: £19,452.35
- [x] Total Expenditure: £16,079.37
- [x] Income (Donations and legacies): £5,495
- [x] Income (Government grants): £6,000 (2 local authority grants)
- [x] Income (Other restricted): £7,957
- [x] Grants to individuals: £0
- [x] Grants to other charities: £801.84 (CWA Weymouth, You Trust, CWA Seaton)
- [x] Grants to other organisations: £250.00 (Scout Hut, Brightride, CWA Hurst & Hassocks)
- [x] Grants to related parties: £0
## **Governance & Organizational**
- [x] Volunteers (non-trustee): 0
- [x] Number of trustees: 3
- [x] Overseas spending: YES – Denmark, £1,288.86
- [x] Trading subsidiaries: NO
- [x] Services to children/vulnerable adults: NO
- [x] Contact address correct: YES (128 Kennington Road, Kennington, Oxford, OX1 5PE)
- • [x] Governance policies (8 in place, 6 not applicable): [See list in Section 7]
## **Trustee Declaration**
- [x] Submitting trustee: Kiran Audit based on the work by Des Lochrie
- [x] Role: Trustee
- [x] Date submitted: 4 April 2026
- [x] Contact details: 07771768680 / Kiran.Audit@cyclingwithoutage.org.uk
## **Document Control**
|**Document Control**||
|---|---|
|**Aspect**|**Detail**|
|**--------**|--------|
|**Document Title**|CWAE 2025 Charity Commission Annual
Return – Complete ExplanatorySummary|
|**Created**|April 2026|
|**Financial Year Covered**|1January2025 – 31 December 2025|
|**Prepared For**|CWAE Trustees|
|**Storage **|Shared Trustees Folder(PDF)|
|**Retention**|Retain with annual return documentation
(minimum 6years)|
|**Distribution**|All trustees should receive and review
before return submission|
---
## **Sign-Off**
This document provides complete explanation and context for every figure, policy, and answer in CWAE's 2025 Charity Commission Annual Return. All figures are supported by Xero accounting records and invoice documentation on file.
Prepared by: Kiran Audit on behalf of Des Lochrie and approved by all Trustee (including those waiting to be registered)
For Review by: CWAE Trustees
Status: Ready for trustee approval and return submission
---
## **END OF DOCUMENT**
## **CWA ENGLAND Accounts 2025**
|**CWA E**|**NGLAND Accou**|**nts 2025**|
|---|---|---|
||||
|||**Blackpool**|
||OpeningBalance||
||**Income**||
|Jan|Stripe(crowdfunder)||
|4/3/2025|Stripe||
|2/5/2025|Stripe||
|9/5/2025|Grant|**£ 3,000.00**|
|3/6/2025|Trustees of TH|**£ 3,000.00**|
|10/7/2025|CWA Maidenhead||
|11/7/2025|CWA Weymouth||
|12/7/2025|CWAGuildford||
|14/7/2025|Beartown Rickshaw||
|!4/07/2025
18/7/2025
23/7/2025
23/7/2025
30/7/2025|PayPal Test||
||CWA Seaton||
||CWA Stafs||
||Barchafdn Grant|**£ 2,500.00**|
||CWA Hurst & Hassocks||
|31/7/2025|Grant|**£ 4,000.00**|
|4/8/2025|Stripe||
|15/8/2025|PayPal|**£ 792.98**|
|1/9/2025|GM4X||
|6/10/2025|CWA Tameside||
|10/10/2025|Sheffield CWA||
|10/10/2025|CWA Chester||
|13/10/2025|Chichester Trishaw||
|17/10/2025|CWA Subs You Trust||
|20/10/2025|**Conf Sponsorship**|||
|---|---|---|---|
|28/10/2025|**Chorlton Bikes**|||
|3/11/2025|**Paypal**||**£ 664.20**|
|4/11/2025|**Stripe**|||
|7/11/2025|**CWA Oxford**|||
|7/11/2025|**CWA Winash**|||
|14/11/2025|**CWA Wessex**|||
|24/11/2025|**CWA Traford**|||
|2/12/25|**Stripe**|||
|||||
|||||
|Total Income||||
|**###**|**Total Income 2025**||**£13,957.18**|
|**###**|**Total Expenditure**
**Yearly Balance**||**£12,755.26**|
|**£ 3,372.98**||**£ 1,201.92**||
||Openingbalance from 2024||**£ -**|
||**Total**||**£ 1,201.92**|
||Current Bank Balance|||
|||**Blackpool**
**CWAE**||
CWA for 2025
|||||
|---|---|---|---|
|**CWAE Funds**||||
|**£ 1,493.98**||||
||||**Expenditure**|
|**£ 19.30**||||
|**£ 244.06**||1|CWA(Copenhagen)|
|**£ 38.60**||2|CWA(Copenhagen)|
|**£ 2,000.00**||3|CWA(Copenhagen)|
|||4|Ole expenses|
|**£ 30.00**||5|GM4X Blackpool|
|**£ 120.00**||6|Trishaw|
|**£ 30.00**||7|Brightride|
|**£ 30.00**||8|You Trust|
|**£ 0.01**||9|CWA Seaton|
|**£ 30.00**||10|CWA Hurst & H|
|**£ 30.00**||11|Scout Hut|
|||12|The Loose Moose|
|**£ 30.00**||13|CWA Weymouth Con Ex|
|||14|GM4X Blackpool|
|**£ 97.48**||15|CWA(Copenhagen)|
|**£ 88.11**||16|cwa(Copenhagen)|
|**£ 300.00**||17|CWA(Copenhagen)|
|**£ 30.00**||18|Access Ins Blackpool|
|**£ 30.00**||||
|**£ 30.00**||||
|**£ 30.00**|||**Total**|
|**£ 30.00**||||
**£ 2,000.00 £ 30.00 £ 73.80 £ 4.51 £ 30.00 £ 40.00 £ 30.00 £ 30.00 £ 19.30 £ 5,495.17 £3,324.11 £ 2,171.06 £ 1,493.98 £ 3,665.04 £ 4,866.96 £ 1,201.92 £ 3,665.04 £ 4,866.96 £ 19,452.35**
16.079.37
||||
|---|---|---|
|**Blackpool**|**CWAE**
**Funds**||
||||
||||
||||
||**£207.92**|3/3/2025|
||**£209.65**|3/3/2025|
||**£210.16**|13/5/2025|
||**£373.96**|11/9/2025|
|**£6,400.00**||17/9/2025|
|**£5,000.00**||19/9/2025|
||**£50.00**|1/10/2025|
||**£100.00**|1/10/2025|
||**£100.00**|1/10/2025|
||**£100.00**|1/10/2025|
||**£100.00**|1/10/2025|
||**£609.45**|9/10/2025|
||**£601.84**|18/10/2025|
|**£1,020.00**||26/10/2025|
||**£247.56**|11/11/2025|
||**£220.57**|24/11/2025|
||**£193.00**|24/11/2025|
|**£335.26**|||
||||
||||
|**£12,755.26**|**£3,324.11**||
||**£16,079.37**||
## **Conference 2025 expenses**
CWAE a/c WEY a/c sponsorship **£2,000.00** Ole expenses £393.76 Wise buys £9.00 Bookers £101.89 Codfathers Eve Meal £459.70 Lidl £31.25 Lunch Loose Moose £609.45 Stuart Donated Seaton £100.00 You Trust £100.00 Hurst & Hassocks £100.00 Chichester £50.00 Scout hut £100.00 Trustees Expenses £0.00 Flowers for hosts £150.00 Total **£1,603.21 £601.84 £2,205.05 £2,000.00**
-£205.05
## **CWA Invoices**
12/1/2024 Invoice no 583 240.00 Eur Paid 24/042024 14/10/2024 675 240.00 Eur Paid 11/12/2024 4/4/2024 602 240.00 Eur paid 3/3/2005 5/7/2024 641 240.00 Eur paid 3/3/2005 31/1/2025 Invoice 703 240.00 Eur 13/5/2025 16/4/2025 724 240.00 Eur 24/11/2025 7/7/2025 769 210.00 24/11/2025 7/11/2025 822 268.75 Paid 11/11/2025
**£207.92 £209.65 £210.16**
**£ 220.57 £ 193.00 £ 247.56**
|**Chapter name**|**2024**|**2025**|**2026**|**2027**|
|---|---|---|---|---|
|**Beartown Rickshaw(Chester)**|£ 30.00|£ 30.00|||
|**Bex Hill on Sea**|||||
|**Blackpool**|||||
|**Bolsover District Council**|||||
|**Bridges Centre(Monmouthshire)**|||||
|**Bridport**||£ 30.00|||
|**Chichester**|£ 30.00|£ 30.00|||
|**Chorlton**||£ 30.00|||
|**Chester**||£ 30.00|||
|**Clevedon & North Somerset**|||||
|**Costos Care**|||||
|**Dorchester**|£ 30.00|£ 30.00|||
|**Guildford**|£ 30.00|£ 30.00|||
|**Hull**|||||
|**Hurst & Hassock**|£ 30.00|£ 30.00|||
|**Inclusive Pedals CIC(Chesterfield)**|||||
|**Maidenhead**|£ 30.00|£ 30.00|||
|**Monty's Community Hub(South Hampton)**|||||
|**Oxfordshire**|£ 30.00|£ 30.00|||
|**Penzance**|||||
|**Porthcawl**|||||
|**Portland**|£ 30.00|£ 30.00|||
|---|---|---|---|---|
|**Prudhoe**|||||
|**Rochdale**|||||
|**Seaford**|||||
|**Seaton**|£ 30.00|£ 30.00|||
|**Sheffield**|£ 30.00|£ 30.00|||
|**Shropshire Cycle Hub**|||||
|**South Manchester**|||||
|**Staffordshire**|£ 30.00|£ 30.00|||
|**Stockton on Tees**|||||
|**Timeside**||£ 30.00|||
|**The You Trust(Portsmouth)**|£ 30.00|£ 30.00|||
|**TheBIGREDBIKE(Lichfield)**|||||
|**Trafford**|£ 30.00|£ 30.00|||
|**Watford Cycle Hub Limited**|||||
|**Wells**|||||
|**Wessex Hope In The Community**|£ 30.00|£ 30.00|||
|**West Devon & East Cornwall**|||||
|**Weymouth**|£ 30.00|£ 30.00|||
|**Winash**||£ 40.00|||
|**York Bike Belles**|||||
|**Southwark**|||||
||||||
|Chesterfield|||||
||||||
|---|---|---|---|---|
||||||
||||||
||||||
|**NEW CHAPTERS 2025**|||||
||||||
|Total Donations from Chapters|**£ 450.00**|**£ 580.00**|||
Responed to survey