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2025-03-31-accounts

Trustees Annual Report for the year ended on 31st March 2025

The trustees are pleased to present this annual report of Halifax Bridge Club CIO (referenced later as ‘HBC’ or ‘the club’) that was registered as charity number 1185172 on 4th September 2019, but did not take over the running of the club unMl 9 June 2020. The registered office is at 44 PrescoR Street, HALIFAX, HX1 2QW.

The old Halifax & District Bridge AssociaMon 1150002 was closed officially on 20 September 2023. This report covers the period 01 April 2024 to 31 March 2025.

Objec=ves

The club maintains premises for the purposes of providing bridge playing opportuniMes for its beneficiaries. Encouragement, lessons and faciliMes are made available to aRract all those who want to engage in the sport of bridge. Membership is open and visitors are welcome.

The objects of the CIO are:

Achievements

The club provided 8,696 player sessions for its members this year. 75th Anniversary of our club will be in April 2025 and preparaMon of several events is the order of the last few months.

F2F

On Monday acernoons HBC and Queens Sports Club jointly play at Queens’ where Improvers enjoy a supervised session with a bridge talk preceding the play.

Teams’ sessions take up 2 Mondays each month and for the other Mondays we offer Pairs-for-Teams for pairs to be able to play without a full team representaMon. Tuesday acernoon sessions remain popular with 9+ tables most weeks.

Wednesday evenings duplicate bridge witnesses a healthy average of 7 tables per week. Thursday morning supervised sessions have slowly changed from helping Improvers to social 18boards duplicate bridge.

In October we aRempted to introduce a more compeMMve event on Thursday evenings and encourage other clubs to parMcipate.

Friday evenings provide Improvers with a pracMce session preceded by a bridge topic each week.

Online Bridge

Online bridge players conMnue to aRend Tuesday and Friday evening sessions at Halifax Bridge Club via BBO. These are essenMal opportuniMes for members who prefer this format and those who cannot or do not wish to visit the clubhouse.

Current posiMon

HBC’s strategy to accommodate a more social and relaxed atmosphere conMnues to be successful. Bimonthly we held social bridge events to celebrate Halloween, Burns Night, Step-into-Spring with food and drinks that always draw a good crowd.

Learners/Improvers over the last 2 years are integraMng well into the club, bringing a younger profile to our membership. Some parMcipate in main duplicate events and club compeMMons that greatly help their bridge skills.

Two Weekend Workshops have so far been useful for member wishing to sharpen up their bridge with convenMon/play topics followed by demonstraMon hands.

Building repairs

In the last 12 months, the roof on the single Storey extension has had to be repaired because of thec of the lead flashing.

The roofers recommended that the whole of this roof should be replaced and re-Mled due to its very bad condiMon. This was agreed at a Trustees’ meeMng.

Equipment

At the end of 2024 Yorkshire Contract Bridge AssociaMon (YCBA) offered its clubs a grant for new bridge operaMonal capital equipment, so we took the opportunity to buy a laptop, printer and tablets.

Yorkshire Winter League

The club saw two teams represenMng Halifax this year. Our first team did well and should be promoted from Division 5 to 4 next year. Our second team also competed well and only missed promoMon narrowly.

Complaints/Appeals

The moAo for all players is always to be kind and tolerant towards their partners, opponents, and TDs.

Overall, there have been few official complaints or disputes.

Beginners

Lessons for beginners started at the beginning of October 2024. Teaching is delivered via videos from YCBA watched at home then come to the clubhouse to play for nearly 2 hours on Wednesday acernoon.

The club wants to thank all the helpers who volunteer their Mme to assist our learners.

Premises

The trustees conMnue to look for alternaMve premises so they can provide the members with a club where everything is on the ground floor and there is ample free parking.

Club Compe==ons

Thank you to everyone who played in the club compeMMons this year. We generally had a good turnout for the events which were above average’ to the corresponding normal club nights. There were a variety of winners suggesMng we have good strength in depth within the club.

Although not a ‘board compeMMon’ the 75[th] anniversary bridge marathon was a highlight of the year and aRracted very posiMve engagement from the members, including 16 players who completed all 76 boards, roughly 10 hours of bridge. There was also a visit from the Mayor that was well received.

I would like to encourage more entries from less experienced players and would welcome ideas on how to achieve this. The events that were targeted at this group of players- the NGS adjusted pairs and the Simple Systems- did have a lower average NGS than for the other compeMMons, suggesMng that there was a higher proporMon of players with a lower NGS raMng in those events. I hope that players had a good experience in these events and that it would encourage them to play in the other compeMMons.

With this in mind it had been suggested that we add a new compeMMon for 2025-2026 which would be a ‘Random Pairs’ events - i.e. partnerships will be determined on the night. This worked well at the 75[th] anniversary bridge marathon.

Compe==on Notes NGS
Pivot teams 5 tables- postponed 48.38
Individual 8 tables 48.27
Club pairs 6 tables 49.97
Teams of 4 7 tables 48.45
Improver pairs/Minnie Owen 5 tables 41.79
Ladies/Men’s pairs 8 tables (4 Ladies, 4 Men) Ladies: 46.23, Men: 49.61
NGS adjusted pairs 9 tables 46.35
Mixed pairs 10 tables 48.50
Swiss Teams 8 tables 48.47
Simple systems pairs 8.5 tables signed up so far 44.86
Swiss pairs 8 tables
*postponed due to computer error
49.22

There were some teething issues with the Pivot teams that was cancelled due to having an odd number of teams and again due to snow. There was a computer glitch on the Swiss Pairs and this event has been rescheduled for June 26[th] .

The Trustees have asked for the events in 2025-26 to be primarily run on a Thursday evening, so as not to disrupt the duplicate evening on Wednesdays and the Mmetable for events for 2025-26 is included below.

Thank you to the Tournaments Directors and scorers who have helped organize the events, parMcularly for the individual compeMMon, ‘Swiss’ events, and NGS adjusted pairs which were technically difficult to set up. I will be contacMng the TDs following the AGM regarding support for the forthcoming years compeMMons.

It would be helpful to have more TDs and the club can support members with doing the Directors course. Please contact the Trustees if this would be of interest.

Finally, congratulaMons to everyone who won a trophy this year.

With thanks

Andy

Compe==on winners 2024-25

Individual (Clarice Sutcliffe Cup) MarMn Evans

Club Pairs (Adams Cup) Irene Johnston & Erika Pickles

Teams of Four Grant Ward, Stuart Swaine, Keith Wright & Moira Wadsworth

Improvers Pairs (Minnie Owen Cup) Anne Sharkey & Pauline Brook

Women's Pairs (The Mackay Trophy) ChrisMne BenneR & Brenda Wilkinson

Men’s Pairs (Clough Keighley Trophy): Christopher Nicholson & Graham Noble

NGS Adjusted/Handicap Pairs Chris Reynolds & Tony Pummell

Mixed Pairs (Taylor Cup) Erika Pickles & Andrew Hardy

Swiss Handicap Teams (Dave Morris Cup) Joan Payne, Shirley Blamires, Keith Stones & Edwina Stones

Simple Systems Pairs Helen Knapp & Stephanie Ryan

Swiss Pairs TBC

Timetable for club compeMMons 2025-26

14thJuly 2025 Monday Pivot teams
14thAugust 2025 Thursday Individual
4thSeptember 2025 Thursday Club pairs
6thOctober 2025 Monday Teams of 4
6thNovember 2025 Thursday Random Pairs
14thNovember 2025 Friday Improver pairs (Minnie Owen)
11thDecember 2025 Thursday Ladies/Men’s pairs
15thJanuary 2026 Thursday NGS adjusted pairs
12thFebruary 2026 Thursday Mixed pairs
9thMarch 2026 Monday Swiss Teams
9thApril 2026 Thursday Simple systems pairs
7thMay 2026 Thursday Swiss pairs
TBC June 2026 AGM

Financial Report

The club is financially strong with £133,309 in its bank accounts as of 31 March 2025 and premises valued around £150,000. The club has made a surplus this year of £9,233 that will offset the rest of the 2022-23 deficit and contribute to the alternaMve premises fund.

Bank accounts

£100,000 has been placed in a Virgin Money 24-month term deposit charity account paying 4.5% that will mature in August 2025.

£30,006 is in a NatWest 95 Day account paying around 3.5%.

£1,032 is in a NatWest Reserve account paying around 1.25%.

£1,586 is in a NatWest Current account paying 0%.

£1,000 is kept in the current account, we could manage with there being almost nothing in the current account at the beginning of the month because payments in at the beginning of the month are enough to cover payments out later in the month. An addiMonal £1,000 is kept in the reserve account for unexpected expenses. Everything else, except the money in the Virgin account, is kept in the 95-day account, which can be accessed without loss of interest with 95 days’ noMce. It is hoped

that the £100,000 in the Virgin account will one day go towards facilitaMng a move to alternaMve premises.

Financial AdministraMon

Finances are monitored by the Treasurer and Chair, and by monthly reports to the Trustees, members can see the financial reports below. We use free accounMng socware provided by NatWest (FreeAgent), and player aRendance is monitored using a BridgeWebs ARendance module. This year because the turnover is over £25,000, the finances will be independently examined by K.R.A. Accountants.

Halifax Bridge Club C.I.O. - Profit & Loss comparison between Accoun=ng Year 2023/24 and Accoun=ng Year 2024/25 (subject to independent examina=on)

2023/24 2024/25
Turnover 22651 27736
Tea, Coffee, etc Income 1249 2060
Charitable donations received 0 50
Sunday F2F Teams of 8 Income 200 560
Membership Subscriptions 2550 3640
Gift Aid 0 299
Players' fees 18652 21127
add Other Income 2127 2022
Interest Received 877 1017
Grant Income 1250 1006
less Cost of Sales 6110 5225
EBU UMS 3368 3272
BBO 2729 1865
RealBridge 12 89
Gross ProAit 18668 24533
less Administration Expenses 14392 15300
EBED AfQiliation fee 45 45
Gas 708 987
Electricity 1786 1554
Water 207 320
EBU AfQiliation fee 28 0
Calderdale B.I.D. Precept 219 115
Calderdale Rates 288 281
Cards and Flowers etc 18 34
Sunday Online Teams of 4 Costs 16 16
Sign Write Honour Boards/Engrave Trophies 171 478
Cleaner 1590 1920
Pianola 150 150
BridgeWebs 133 156
Fire Extinguisher Maintenance 241 243
Fire & Security Alarm Maintenance 225 0
BridgeTab Licence 82 88
Microsoft Licence 36 0
Zoom 144 156
Competition Wine Prizes 0 189
Tues Aft Prizes 12 16
Tues Aft Xmas Party 50 15
Sunday F2F Teams Costs 534 1286
Social Events 533 582
Training 290 0
Adobe 21 0
Christmas Party 296 -240
Club Anniversary 0 50
OfQice Costs 34 0
Repairs and Maintenance 605 1037
Housekeeping Consumables 171 538
Tea, Coffee, etc Costs 949 1348
Playing Cards 204 665
Computer Software 40 195
Computer Hardware 3123 2063
OfQice Equipment 309 83
Broadband/Wi-Fi 376 272
Mobile Phone 99 145
Stationery 39 51
Postage 0 3
Charitable Donations 0 165
Bank/Finance Charges 4 0
EBU Insurance and Subs 264 293
Use Of Home 350 0
Operating ProAit 4276 9233
less Drawings 0 0
less ProAit & Loss journal entries 0 0
Retained ProAit this period: 4276 9233
Retained ProAit brought forward: 267611 271886
Distributable Reserves / Retained ProAit
carried forward: 271886 281120

Halifax Bridge Club C.I.O. - Balance Sheet as of 31 March 2025 (subject to independent examina=on)

Capital Assets
Other Capital Asset Brought Forward 150000
Net Book Value 150000
Current Assets 133309
Bank Account: NatWest Current 2228
Bank Account: Virgin 24 Month 100000
Bank Account: Cash 65
Bank Account: NatWest Reserve 1011
Bank Account: NatWest 95 Day 30006
less Current Liabilities 0
Net Current Assets 133309

Total Assets

283309

Owner's Equity
Retained ProQit 283309
Total Owner's Equity 283309

Payments to Trustees

Required for Report to Charity Commissioners

All payments agreed and supported by receipts and/or commiAee mee=ngs

Myra Smith
05-Apr-24 Social Events
18-Jul-24 Summer Madness Social Events
15-Oct-24 Sunday Teams Travel Costs
31-Oct-24 Halloween Social Events
18-Nov-24 Sunday Teams Travel Costs
03-Dec-24 Sunday Teams Travel Costs
12-Dec-24 Crackers Tues Ac Xmas Party
12-Dec-24 Wine Prizes Tues Ac Xmas Party
18-Dec-24 Sunday Teams Travel Costs
30-Jan-25 Burns Night Social Events
17-Feb-25 Sunday Teams Travel Costs
03-Mar-25 Team Catering Sunday F2F Teams Costs
17-Mar-25 Team Catering Sunday F2F Teams Costs (2 Matches)
20-Mar-25 Leap Into Spring Social Events
10.00
35.00
10.00
18.49
30.00
35.00
16.00
15.36
15.00
20.00
20.00
40.00
65.70
31.62
362.17
Stephen Cordingley
05-Apr-24 EBED AfliaMon Fee
05-Apr-24 Broadband
45.00
17.50
03-May-24 Broadband
06-Jun-24 Broadband
11-Jul-24 Broadband
04-Aug-24 Broadband
02-Sep-24 Broadband
02-Oct-24 Broadband
13-Nov-24 Broadband
02-Dec-24 Broadband
10-Jan-25 Broadband
14-Feb-25 Fast Fibre Broadband
17.50
17.50
17.50
17.50
17.50
17.50
17.50
17.50
17.50
23.28
243.28
Steve Galpin
16-May-24 Mugs Housekeeping Consumables
18-Jul-24 Summer Madness Social Events
13-Oct-24 Sunday Teams Travel Costs
02-Mar-25 RealBridge Trophies
22.35
48.00
37.00
100.00
207.35
Mike Brocklehurst
18-Apr-24 Afliated Teams Travel
13-Oct-24 Sunday Teams Travel Costs
15-Dec-24 Sunday Teams Travel Costs
16-Feb-25 Sunday Teams Travel Costs
25.00
40.00
20.00
20.00
105.00

Steph Binns

Steph Binns
06-Jun-24
Cards and Flowers
12-Jul-24
Cards and Flowers
19-Feb-25
Cards and Flowers
11.00
14.00
8.80
33.80
Alice Zao
14-Jan-25
Christmas Party
03-Mar-25
Sunday Teams Travel Costs
90.00
40.00
130.00
Richard Wood
12-Jun-24
75th Anniversary Dinner Deposit
50.00
50.00
Graham Noble
01-Dec-24
Sunday Teams Travel Costs
10.00
10.00

Closing Statement

The club Officers and Trustees work enMrely on a voluntary basis. There are no employees.

The club is affiliated to The English Bridge Union (EBU) and the Yorkshire Contract Bridge AssociaMon (YCBA). All acMviMes at the club take place under the jurisdicMon of the naMonal body.

2023/24 2024/25

Turnover 22651 27736
Tea, Cofee, etc Income 1249 2060
Charitable donations received 0 50
Sunday F2F Teams of 8 Income 200 560
Membership Subscriptions 2550 3640
Gift Aid 0 299
Players' fees 18652 21127
add Other Income 2127 2022
Interest Received 877 1017
Grant Income 1250 1006
less Cost of Sales 6110 5225
EBU UMS 3368 3272
BBO 2729 1865
RealBridge 12 89
Gross Proft 18668 24533
less Administration Expenses 14392 15300
EBED Afiliation fee 45 45
Gas 708 987
Electricity 1786 1554
Water 207 320
EBU Afiliation fee 28 0
Calderdale B.I.D. Precept 219 115
Calderdale Rates 288 281
Cards and Flowers etc 18 34
Sunday Online Teams of 4 Costs 16 16
Sign Write Honour Boards/Engrave Trophies 171 478
Cleaner 1590 1920
Pianola 150 150
BridgeWebs 133 156
Fire Extinguisher Maintenance 241 243
Fire & Security Alarm Maintenance 225 0
BridgeTab Licence 82 88
Microsoft Licence 36 0
Zoom 144 156
Competition Wine Prizes 0 189
Tues Aft Prizes 12 16
Tues Aft Xmas Party 50 15
Sunday F2F Teams Costs 534 1286
Social Events 533 582
Training 290 0
Adobe 21 0
Christmas Party 296 -240
Club Anniversary 0 50
Ofice Costs 34 0
Repairs and Maintenance 605 1037
Housekeeping Consumables 171 538
Tea, Cofee, etc Costs 949 1348
Playing Cards 204 665
Computer Software 40 195
Computer Hardware 3123 2063
Ofice Equipment 309 83
Broadband/WiFi 376 272
Mobile Phone 99 145
Stationery 39 51
Postage 0 3
Charitable Donations 0 165
Bank/Finance Charges 4 0
EBU Insurance and Subs 264 293
Use Of Home 350 0
Operating Proft 4276 9233
less Drawings 0 0
less Proft & Loss journal entries 0 0
Retained Proft this period: 4276 9233
Retained Proft brought forward: 267611 271886
Distributable Reserves / Retained Proft carried forward: 271886 281120

CHARITY REGISTRATION NUMBER: 1185172

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Independent Examiner’s Report on financial activities

31 March 2025

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Year ended 31 March 2025

Page
Independent examiner's report to the trustees 1
Statement of financial activities (including income and
expenditure account) 3
Statement of financial position 6

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Independent Examiner’s Report to the Trustees

Year ended 31 March 2025

Reference and administrative details

Registered charity name Halifax Bridge Club CIO Charity registration number 1185172 Principal office and registered 44 Prescott Street office Halifax West Yorkshire HX1 2QW

The trustees

Mr Stephen Cordingley (Chair) Mrs Alice Zao Mr John Graham Noble Mr Michael Brocklehurst Mr John Stuart Swaine Mrs Stephanie Binns Mr Stephen Galpin Mrs Myra Smith Mrs Valerie Wilkinson Mr Richard Arthur Wood (Treasurer)

Independent examiner Kashif Akram FCCA, BA KRA Accountants Limited Elsie Whiteley Innovation Centre Hopwood Lane Halifax West Yorkshire HX1 5ER

1

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Independent Examiner’s Report to the Trustees (continued)

Year ended 31 March 2025

I report to the trustees on my examination of the accounts of the above charity for the year ended 31/03/2025.

Responsibilities and basis of report

As the charity's trustees, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).

I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 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 which gives me cause to believe that in, any material respect:

  1. accounting records were not kept in respect of the charity as required by section 386 of the 2006 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts did not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair’ view which is not a matter considered as part of an independent examination.

I 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.

Independent Examiner

KRA Accountants Limited Elsie Whiteley Innovation Centre Hopwood Lane Halifax West Yorkshire HX1 5ER

2

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Statement of Financial Activities (including income and expenditure account)

Year ended 31 March 2025

Period 1: Period 2:
Accounting Year Accounting
2024/25 Year
2023/24
Turnover 30,066 22,651
Tea, Coffee, etc Income 2,060 1,249
Charitable donations received 50 0
Sunday F2F Teams of 8 Income 560 200
Membership Subscriptions 3,640 2,550
Gift Aid 299 0
Players' fees 23,457 18,652
_add_Other Income 6,535 2,127
Interest Received 5,529 877
Grant Income 1,006 1,250
_less_Cost of Sales 5,225 6,110
EBU UMS 3,272 3,368
BBO 1,865 2,729
RealBridge 89 12
Gross Profit 31,376 18,668
_less_Administration Expenses 15,630 14,392
EBED Affiliation fee 45 45
Gas 987 708
Electricity 1,554 1,786
Water 320 207
EBU Affiliation fee 0 28
Calderdale B.I.D. Precept 115 219
Calderdale Rates 281 288
Cards and Flowers etc 34 18
Sunday Online Teams of 4 Costs 16 16
Honour Boards and Trophies 378 171

3

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Statement of Financial Activities (including income and expenditure account)

Year ended 31 March 2025

Cleaner 1,920 1,590
Pianola 150 150
BridgeWebs 156 133
Fire Extinguisher Maintenance 243 241
Fire & Security Alarm Maintenance 0 225
BridgeTab Licence 88 82
Microsoft Licence 0 36
Zoom 156 144
Competition Wine Prizes 189 0
Tues Aft Prizes 16 12
Tues Aft Xmas Party 15 50
Sunday F2F Teams Costs 1,286 534
Social Events 313 533
Training 0 290
Adobe 0 21
Christmas Party 90 296
Club Anniversary 419 0
Office Costs 0 34
Repairs and Maintenance 1,037 605
Housekeeping Consumables 538 171
Tea, Coffee, etc Costs 1,348 949
Playing Cards 665 204
Computer Software 195 40
Computer Hardware 2,063 3,123
Office Equipment 83 309
Broadband/WiFi 272 376
Mobile Phone 145 99
Stationery 51 39
Postage 3 0

4

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Statement of Financial Activities (including income and expenditure account)

Year ended 31 March 2025

Charitable Donations 165 0
Bank/Finance Charges 0 4
Insurance and EBU Subs 293 264
Use Of Home 0 350
Operating Profit £15,745 £4,276
_less_Drawings £0 £0
lessProfit & Loss journal entries £0 £0
Retained Profit this period: £15,745 £4,276
Retained Profit brought forward: £271,886 £267,611
Distributable Reserves / Retained Profit carried forward: £287,632 £271,886

5

Halifax Bridge Club

Charity registered with Charity Commission for England and Wales

Statement of Financial Position

Year ended 31 March 2025

Period 1: Period 2:
As at 31 Mar 25 As at 31 Mar 24
Capital Assets
Other Capital Asset Brought Forward 150,000 150,000
Net Book Value 150,000 150,000
Current Assets 137,632 121,886
Bank Account: NatWest Current 2,078 1,586
Bank Account: Virgin 24 Month 104,512 100,000
Bank Account: Cash 25 0
Bank Account: NatWest Reserve 1,011 1,032
Bank Account: NatWest 95 Day 30,006 19,268
Net Current Assets £137,632 £121,886
Total Assets £287,632 £271,886
Owner's Equity
Retained Profit 287,632 271,886
Total Owner's Equity £287,632 £271,886

These financial activities statements were approved by the board of trustees and authorised for issue on 19 June 2025, and are signed on behalf of the board by:

Mr S Cordingley Chair

Richard A Wood

Richard A Wood (Jul 7, 2025 16:22 GMT+1)

Mr R A Wood Treasurer

6

Halifax Bridge Club C.I.O. independent examiner's report - YE2025

Final Audit Report

2025-07-08

Created: 2025-07-03 By: KRA Accountants Limited (accounts@kra-accountants.co.uk) Status: Signed Transaction ID: CBJCHBCAABAAUWYtyT67zu1R42iWvBQkQfT_TeWyL_Fa

"Halifax Bridge Club C.I.O. independent examiner's report - YE2 025" History

Document created by KRA Accountants Limited (accounts@kra-accountants.co.uk)

2025-07-03 - 1:08:47 PM GMT- IP address: 62.6.177.212

Document emailed to Stephen Cordingley (stephen_cordingley@hotmail.com) for signature

2025-07-03 - 1:08:51 PM GMT

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Signature Date: 2025-07-04 - 7:32:20 AM GMT - Time Source: server- IP address: 94.9.228.251

Document emailed to richardawood235@aol.com for signature

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Signer richardawood235@aol.com entered name at signing as Richard A Wood

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Agreement completed.

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