St MINVER COMMUNITY HUB CIO
Charity Account No 1187638
Annual Accounts
Independent Examiner's Report
Trustees, Annual Report
for the Financial Year
06 April 2024 to 05 April 2025
Submitted by K Snelling, Hon Treasurer

Accounts
for the
eriod ended 5th A
ril 2025
St Minyer Communi
Hub CIO
Registered Charity Number 1187638

St Minver Comrnunit Hub CIO
Contents of the Accounts
rthe
eriod ended
thA
ril 2025
Page
General information
Independent Examiners Report
Statement of Financial Activities
Statement of Assets and Liabilities
Notes to the Accounts

St Minver Communi
Hub CIO
General Information
riod ended 5th A rll 2025
for the
TRUSTEE AND CHAIR
C Mould
TRUSTEE & HON. TREASURER
K Snelling
TRUSTEE
C B05well-Munday
TRUSTEE
D Witts
TRUSTEE
S Robertson
ADDRESS
Whispering Trees
Rock Road
St Minver
Wadebridge
Cornwall
PL27 6PW
Independent Examiner5
Brooks and Jeal
Eddystone Road
Wadebridge
Cornwall
PL27 7AL
Page I

INDEPENDENT EXAMINER'S REPORT
TO THE TRusfEES OF ST MINVER COMMUNtrY HUB ao
CHARITY NUMBER 1187638
This report is on the accounts of the charity for the period ended 5th April 2025 set out
on pages 3-7.
I report to the trustee5 on my examination of the accounts of the above charity"The Trust"
for the period en¢Jed 5th April 2025.
Responslbllltles and basls of report
As the charity tru5tee5 of the Trust, you are responsible for the preparation of the accounts
in accordance with the requirements of the Charities Act 20111.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 carryirig out my examination, I have followed the applicable Directions
given by the Charity Commission under section 1451511bl of the Act.
Independent examlnerfs ststement
I have completed my examination. I confirm that no materlal matters have come to my
attention in connection with the examination which gives me cause to believe that in any
material fespett..
accounting records were not kept in accordance wfth section 130 of the Act or
the accounts do not accord with the accounting records
I have no concerns and have come across no other matters in connection with the
examination to which attention should be drawn In order to enable a proper understanding
of the accounts to be reached.
Signed..
FJ
Nicola Brooks ACA
Date.. i.
Brook5 & Jeal
Chartered Accountants
Eddystone Road
W3debridge
Page 2

St Minver Commun.
Hub CIO
ststement of Financial Act4vItiÈs
For the
Sod 6th A rll 2024 to 5th A
ril 2025
Note
2024125
Z023124
Unre5trirted funds
Unrestrkted funds
Incomlng Resources
General Donations
Health Hub Receipt5
Skills Hub Receipts
Fund Raising Events
CIL Grant Receipts
Bernard Sunley Grant Receipt
Football Federation Grant Receipt
Interest Received
27,500
6.122
18,082
41,495
4.698
13.540
668
77,230
35,￿0
25,000
6,215
Total Incoming Resour￿5
195,148
60.401
Resources Expended
Heèlth Hub Payments
Skills Hub Paymer
Insuranee of F<￿tball Club Building
Lease Payment for Playlng Field
Website
FSB Membership
Fund Raising Leaflets and Tickets
Bank Charges
Accountancy Fees
Depreciation on Equlpment
2,603
13,194
2,227
4,187
loo
116
70
245
81
750
5,015
22,059
105
I,iio
4,532
12,377
Total Resourcès Ejtpended
22,059
12,377
Net lncomellEXpend￿urèl
173,089
48.024
Corporation Tox Charge
1.181
Net Income after faxatlon
171,908
48.024
Total funds brought forward
Total fttnds carrFed fonvard
227,529
399,437
179.505
227.529
Page 3

MIATr￿COMMUnI
HubCIO
Notè
20W25
IOZ4115 Tots120W25
2023124
2023124 1023n4
r4sidrt•d R•strktsd
Funds
Totsl
Funds
Funds
Total
FlxedAsset$
Tangits￿ Assets
Tot81 Fixed Asets
249,466
249.466
249.466
249.466
90.949
,949
90.949
90.949
CurreniA5sets
Cvrrent Account
Dep051t Account
Frepaymen15
Total CurrentAssets
10.411
143,605
IOA2I
470,(
288
326,395
133.398
279
136.602
270.Q
279
274.143
154,315
326,395
4AO,710
137.541
136.602
Credlto¥s'. amountsf•lllDidue
oneyeai
1.9J8
J,165
1,181
326 395
330,n9
961
961
PAYE creditor
Corparationtaxcredftor
Deferred Grant
1.165
i.ui
326,a95
326595
136,602
136.602
136,fA)2
137.563
NEtCurrenrAssets/LSabllltles
149.971
149,971
136.580
136,580
Total Assets l•ss Cumt Uabilit*
399,437
399A31
227529
227.529
n05 OttheCh•iity
Unre5trkted Funds
399,437
399A37
227,529
227.529
Total Fund$
a￿.437
399,437
227,529
227.529
Signedon behawof theCIO".
C Mould
Trustee Chair
Date-.
0810112025
KSAelllrh8
Tivstee and HotsTrÈè5urÈr
Date..
0810112D25
Page 4

St Minver Communit Hub CIO
Note5 to the Acc(wnt5 for the
riod ended 5th A
il 2025
Basls of Preparailon
1.1 Basis of Accountln8
These accounts have been prepared under the historical tost convention with item5 recognised at
cost or transaction value unless otherwise stated in the relevant notes to these 3ccounts.
The accounts have been prepared in accordance with the Charitie5 Act 2011.
The charity constitutes a public benefit entity.
1.2 Going Concern
The accounts have been prepared on a going concern basis which the Trustees consider to be
appropriate for the following reason..
The trustees review all income, expenditure and financiol commitments at the monthly Board meetings
to confirm that funding is available to cover committed expenditure and ensure that the CIO is
operating as a going toncern. The trustees confirm that throughout this accounting period, the accounts
and cash flow charts for the build of the new Community Hub building show that the CIO has operated,
and continues to operate, as 8 going concern.
The trustees are satisfied that the charity has adequate resources to remain in operational existence
for at least twelve months from the date of approval of the accounts and have therefore prepared the
accounts on a going concern basis.
Related Party Transartlons
The Chair of Trustee5, Carol Mould is a Cornwall County Councillor and a significant amount of funding
to the CIO is via Cornwall Council.
Carol has made a declaration of interest to both Cornwall Council and the CIO, and she has had no
involvement in the allocation of SPF and CIL funding to the St Minver CommL¢nity Hub CIO.
The trustees are satisfied that this does not lead to any conflict of interest or relationship with related
parties.
No trustees remuneration has been paid in the year.
During the year expenses of £892.01 were reimbursed to C Boswell-munday, and £66.98 to D Witts.
These expenses were for purchases of materials and equipment required for the
day to day running of the facilities that the CIO is managing.
The trustees review all actions and transactions at the monthly Board meetings to identify any
conflicts of interest or relationship with related parties. The trustees confirm that during this
accounting period there were no conflicts of interest or relationships with related parties.
Page 5

St Minver Communi
Hub CIO
Note5 to the Accounts for the
riod ended 5th A
il 2025
Health Hub Runnin
Income
Medical Prartice
Podiatrist
costs
2024125
2023124
5,122
1,000
6,122
4,698
Total
4,698
Expenditure
Insurance
Electricity
Cleaning
Maintenance
Total
490
745
1,368
364
508
1.320
35
2,603
2,227
Skllls Hub Runnin
In¢ome
Room Hire Payments
Parish Council Rent
Cornwall Council Grant
Volunteer Cornwall Grant
University of Plymouth
Donation
Events entry payments
Total
Costs
2024125
2023124
758
2,000
2,535
5,000
5,000
10.000
670
335
13.540
1,324
18,082
Expendlture
Water
Electricity
Business Rates
BT Internet
Equipment
Maintenance
Insurance
Software
Services
Stationery
Wages including pension
Event Running Costs
Total
236
668
108
619
971
1,118
204
757
105
707
167
178
274
375
1,760
279
7,480
748
265
13,194
4,187
Page 6

St Mlnver Communl
tothe A￿￿JnIS for th•
Hub CIQ
endAd 5th
112025
Flxed Assets
2024125
2024125
1024125
U￿r￿1￿c￿d Unrestritted Re5tritted
Funds
2024125 2023124
Tot&1
t05t
Freehold
At 6th April 2024
Additions
Grant Received
Disposals
At 5th April 2025
22,659
7,242
-4,828
72,822
483,354
-322,236
95,481
21,Z76
490,596 211,876
-327,064 -137,671
25,073
233,940
259,013
95,481
De
reciation
At 6th *)ril 2024
Charge for the year
0￿poS215
At 5th April 2025
4,532
5,015
4.SJ2
5,015
4,532
9,547
9,547
4,532
Net 8ook Value at 5th April 2025
15,526
233.940
249,466
90,949
Net Bookvalue at 5th April 2024
18,127
72.822
90,949
90.949
The fixed asset addtion comprise5the cost 5pentfrom 6th April 2024 to 5th April 2025 on constrLttin£ the new
Community Hub building, includin8 IlTrte8ral equIpm￿t additlons.
Two thirds of the cost1£327,0641 funded frorn the SPF Grant fundlng oF£516.857 received in 2024n5, ènd the
further one thir(11£163,53ZI match funded frorn CIO reser¥es. The remalninÉ £1￿,793 of the the SPF Grant
funding received in 2024125 15 further deferred income reserved for future build Costs of the new Community Hub
Building. taklng total deferred income a5 at 5th April 2025 to £326.395.
The totsl cost of the project. in the reglon of El,150.TrW, wlll be shown asa fixed asset in the financial reportfor
2025126 and will be depreciated at the rate of 2% perannu¢p commencin¥ in the f&nanci?l year 2025126
s and debt
There are no Euarantee5gwen bythe CIO.
There Is no debt outstandin8 at 5th Apnl 2025. and no cha￿e on any ofthe CIO assets.
The SPF Grant Agreemtnt include5 3 draw b3£kc13use that Sn the event that the new Community Hub Building
is not tomfved some orall of tIFe SPF Grant may have to be repatd.
The riskof this becoming a liability is rated as very low.
P38e 7

(HARITY
ION
Trustees. Annual Report for the period I
Period start date
Period end dale
From
2024
To
05
2025
Section A
Reference and administration details
Charity name
St Minver Community Hub CIO
Other names charity is known by
None
Registered charity number (If any)
1187638
Charity's principal address
Whispering Trees, Rock Road, St Minver
Wadebridge
Cornwall
Postcode
PL27 6PW
Names of tho charity trustees who manage the charity
Trust•0 name
Offlce Ilf anyl
Date8 acted if not
for whole
Name of pèwsan lor body)
èntitled to a
oint trustee
CIO Board
CIO Board
Carol Mould
Christine Boswell-MLsnday
Keith Snelling
David Witts
Stuart Robertson
Chair of Board
Board Member
Board Member &Treasurer
Board Member
CIO Board
CIO Board
Board Member
CIO Board
Names of the trustees for the charity, if any> (for example, any custodian trustees)
Name
Dates acted if not for whole ear
None
Names and addresses of advisers (Optional informatlon)
of adviser
Name
Address
None
Name of chief executive or names of senior staff mèmbers (Optional informatlonl
TAR
March 2012

Section B
Structure, governance and management
Description of the charity's trusts
Type of goveming document
leg. trust oeed. constitulioi
St Minver Community Hub CIO Governing Documentlconstitution
issue V194 dated 419119
How the charity is Gonslituted
Charitable Incorporated Organisation
Trustee selection methods
Appointed by the CIO Board of Trustees
Additlonal governance Issues (Optional inforniationl
You may choose to include
additional information. where
relevant, about-.
The St Minver Community Hub Trustees are all unpaid Volunteers. During
the period of this TAR all payments made to Trustees were for
reimbursement of expenditure for purchases of materials and equipment
required for the day to day running of the facilities that the CIO is
managing.
policies and procedures
adopted for the induction and
training of trustees.,
the charity's organisalional
structure and any wider
network with which the charity
works.,
relationship with any relat8d
parties.,
trustees, consideration of
major risks and the system
and procedures to manage
them.
The Chair of Trustees, Carol Mould, was a Comwall County Councillor
throughout the period ofthis TAR and until May 2025. A significant source
of funding for the new Community HLsb is from SPF and CIL funds
managed by Cornwall Council. Carol Mould formally declared this interest
to both Comwall Council and St Minver Community Hub CIO, and has had
no involvement in the allo¢ation of SPF and CIL funding to the St Minver
Community Hub CIO.
The Trustees review all actions and transactions at the monthly Board
Meetings to identify any conflicts of interest or relationship with related
parties. The Truslees confirm that during the period of this TAR there were
no conflicts of interest or relationships with related parties.
The Trustees review all income, expendrture and financial commitment at
the monthly Board meetings to confirm that funding is available to cover
committed expenditure and ensure that the CIO is operating as a going
concem. The Trustees confirm that throughout the period of this TAR the
accounts and cashflow charts for the bLtild of the new Community Hub
building and the ongoing operation of existing facilities show that the CIO
haso
rated and continues to o
erate, as a
oin
concern.
TAR
March 2012

Section C
ectives and activities
To further or benefit the residents of St Minver and the neighbourhood,
without distinrtion of sex, sexual orientation, race or of political, religious
or other opinions by associaling together the 58id residents and the local
authorities, voluntary and other organisations in a common effort to
advance education and to provide facilities in the interests of social
welfare for recreation and leisure time occupation with the objective of
improving the conditions of life for the residents.
Summary of thè objects of the
eharity set out In its
governing document
In furtherano of the objectives the CIO activities are to establish or
se¢ure the establishmenl of a community centre and to maintain or
manage or cooperate with any statutory authority in the maintenance and
management of such a centre for activities promoted by the CIO.
Nothing in the CIO Constitution or the objectives shall authorise an
application of the property of the CIO for any purposes that are not
charitable in accordance with the Charities and Trustee Investment Acts.
The raising of funds and the use of all funds raised to provide facilities
and assistance to the residents to improve their quality of life. The
principal activity is to provide and subsequently manage a new
Community Hub building providing facilities for existing local groups and
activities including the Guides, Scouts, Football Club, Parish Council and
Health Hub but also having the Spa￿ and facilities to accommodate
many other groups and a¢livities recognising in particular the needs and
wellbeing of the elderly and socially isolated members of the community.
In respect of the objectives and activities of the CIO. thèse have been
established and are being implemented with full regard to the guidan
iSSLJed by the Charity Commission on public benefit.
Summary ofthe main
activlties undertaken for the
public benefit in relation to
these objects {inGlude withln
this section the statutory
declaration that trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit
Addilional detalls of objectives and actiVFties (Optional infonnation}
You may choose lo include
further statements, where
relevant, about.
policy on grantmaking.,
policy programme related
investment.,
contribution made by
volunteers.
TAR
March 2012

Section D
Achievements and performance
Summary ofthe main
achievements of the charlty
during the year
In this fifth year of operation the main achievement$ of the CIO are'.-
Progressing the build of the new Community Hub. During the
period of this TAR the extemal structure has been completed and
internal r￿tIng out commenced. Completion of the Project is
scheduled for early 2026.
Managing the flow offunds from the SPF and CIL grants, and the
raising of further funding through operation of existing facilities,
grant applications, events and donations.
Continuing to finance and manage an interim Health Hub that is
used by the Wadebridge and Camel Estuary practi￿ to continue
to provide a local nurse led medical service and prescription
service for some 1100 local residents after the local surgery
Glosed.
Continuing to manage a Mini Hub providing facilities for local
people to meet socially, hold events and undertake skills training.
Employment of a full time Hub Manager, on a salary that exceeds
the Living Wage, with responsibility for organising all ongoing
activities in the presently available facilities, preparing for the
organisation of activities in the new Community Hub, and
Pursuing fund generating activities.
Section E
Financial review
Through the ongoing fund raising and Community Hub build phases of
the project the CIO policy on reserves is to only commit to the next phase
of the Project when funds are immediately available to ensure that the
phase can be completed.
Brief statement of the
charity's policy on reserves
The established rental agreements with the users of the Snterim Health
Hub and the Mini Hub generate income that exceeds the ongoing costs.
Reserves al the end of the financial year 24125 exceeded the annual
running costs.
Reserves for the ongoing operation of the Community Hub will be
established as it becomes operational based on, and as a minimLtm, the
annual committed running costs. A full set of Policies for ongoing
operation of the Hub are in preparation and will fully address the future
reserves
Details of any funds materially
in deficit
There are no funds in deficit.
TAR
March 2012

Further financial revièw details (Optional infonnation)
You may choose to include
additional information, where
relevant about..
The CIO sources of funding through the phases of the project to
completion of the new community hub building are local fundraising
events, donations, grants and rental payments for facilities already
available. For running and maintaining the new facilities the funding will
be from ongoing rental agreements, rèalistic charges for th8 use of the
premises and the surplus from the planned Community Café.
the charity's principal
sources of funds (including
any fundraising).,
how expenditure has
supported the key objectives
of the charity..
inveslment policy and
objectives including any
ethical inveslment policy
adopted.
Expenditure to date covers four aspects of the CIO objectives.
Upfront costs of building design, planning permission and legal
issues to progress building of the Community Hub.
Deposits and progress payments for the build of the new
Community Hub
Providing and managing an interim Health Hub that is used by the
Wadebridge and Camel Estuary Practice to continue to provide a
local nurse led medical service and prescription service for some
1100 local residents after the local surgery closed.
Providing and Managing a Mini Hub for local people to meet
socially, hold events and undertake skills training
The CIO has no investments and has no intention to make any All
funds raised are held in reputable current and deposit bank accounts
until such time as they are used to pay for operational costs of the
Interim Health Hub and Mini Hub, or fund the next phase of the
ro
ect.
Section F
Other optional information
Section G
Declaration
The trustees de¢laTr that they have approved the trustees, report above.
Signed on behalf of the charity's trustees
Slgnature($l
Full namels}
Position (eg Secretary, Chair,
etcl
Carol Mould
Christine Boswell-munday
Trustee and Chair of Board
Trustee and Board Member
Date
8° January 2026
TAR
March 2012