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2025-12-31-accounts

Annual report for 2025 of the Trustees of the Swavesey Fire Relief CIO

Registered Charity No. 1190054

  1. Charity Correspondent: Mr Martin Herrington, c/o The Memorial Hall, High Street, Swavesey, Cambridge CB24 4QU.

  2. Bank: Barclays Bank plc, Chesterton Road, Cambridge.

  3. The properties are known locally as Frere Cottages.

4. Object of the Charity:

The Swavesey Fire Relief Fund was established by a scheme of 24[th] February 1914 to buy land on which to build and manage four cottages suitable for the occupation of poor persons resident in Swavesey, but in receipt of a secure income. Preference was to be given to those who had been rendered homeless by the major fire of March 1913. If a cottage is not required for occupation as thus outlined, the Trustees are empowered to let the cottage for the time being for the best charge that can reasonably be obtained. The cottages are designated as almshouses and residents as licensees not tenants. They pay weekly maintenance contributions (WMCs) not rent.

The objective of the charity was unchanged when the Swavesey Fire Relief CIO was updated in June 22[nd] 2020.

This Annual Report covers the full year for the Charity from January 1[st] . 2025 to December 31[st] . 2025.

5. Trustees during 2025

Mr James Dodson - Representative Trustee - Parish Council Mr Stuart Faben - Representative Trustee - Parish Council Mr Jonathan Benson - Representative Trustee - Parish Council Mrs Rachel Vollerthun - Representative Trustee - Parish Council Mr Martin Herrington - Representative Trustee – St Andrew’s Church - Treasurer Mr Clive Barnes - Co-optative Trustee Mrs. Shirley Parker - Co-optative Trustee – Secretary

6. Work of the Charity in 2025

Unfortunately following the resignation of Mr John Pook as Chairman none of the Trustees was willing to be appointed as Chairperson. At the regular meetings one of the Trustees takes the lead in running the meeting.

In 2025 the long running subsidence claim was completed with repairs to No 34 Station Road and the installation of new rainwater drainage pipes and a soak away at the northern end of the cottages.

There was a change of licensee at No 30 Station Road. Whilst the property was empty the opportunity was taken to carry out a deep clean and redecoration. The property was reoccupied in August 2025. All six properties are occupied.

WMCs (paid monthly) were reviewed and increased to reflect the increased rate in inflation during the year in accordance with the Government Policy Statement on Rents for Social

Housing. All the residents occupy the cottages under a license agreement in accordance with the guidance provided by the Almshouse Association. All the residents meet the requirements set out in the objects of the charity.

Various minor maintenance works and grounds maintenance have been carried out.

Now that the subsidence issue has been resolved Trustees are looking to see how best to improve the thermal efficiency of the old cottages. NP Architects have been contracted by the Trustees to manage the project, and they subsequently contracted a firm to produce as built drawings of the properties and a separate firm to carry out an energy assessment. The drawings were completed in August 2025 and the energy assessment completed early in 2026.

7. Public Benefit

In carrying out the work, Trustees have had due regard to the Charity Commission’s Public Benefit Guidance when exercising any powers or duties to which the guidance is relevant. Martin Herrington, Treasurer.

Name: Name: SwaveseyFire Relief CIO SwaveseyFire Relief CIO SwaveseyFire Relief CIO SwaveseyFire Relief CIO SwaveseyFire Relief CIO SwaveseyFire Relief CIO SwaveseyFire Relief CIO
Charity number(if registered): 1190054
FINANCIAL STATEMENT
For theperiod: 1 January 2025 to 31 December 2025
Section A Receipts and Payments
A1 Receipts (Totals) 2025 2024 A2 Payments (Totals) 2025
£ £ £
Rents 24,575.00 23,770.00 Insurance 1,103.18
Donations - 250.00 Subscriptions 365.00
Interest from Savings Account 538.69 606.63 Consultants 3,732.00
Ombudsmans Compensation Awards - 800.00 Maintenance 1,741.49
Insurance claim loss of income 10,026.18 8,582.33 Gardening 590.00
Insurance overpayment - 49.71 Almshouse Course -
KathyCooper - Compensation -
Insurance Excess - Trubuild -
Insurance Excess - Accommodation -
John Shepperson Plaque -
Decorating& CleaningNo 30 3,436.00
Admin - OneDrive 164.16
Return of overpayment of
Maintenance Charge
50.00
Total Receipts 35,139.87 34,058.67 Total Payments 11,181.83
A3 Restricted funds included in total
receipts
A4 Restricted funds included in total
payments
Total Receipts less Total Payments (Surplus/Deficit for the year)
A5 Total cash funds brought forward from last year_(equals last year's total at B1_)
A6 Total cash funds carried forward at this year end
A7 Total restricted funds atyear end included in total cash funds above

Page 1

Swavesey Fire Relief CIO
Section B Statement of assets and liabilities at the year end
B1 Cash funds Total 2025 Last
£
**B1.1 ** Final bank balance as per Account Book, including uncleared items £83,166.42
B1.2 Reconciliation of final bank balance from Account Book to bank statement
Bank statement
total at year end
£100,680.00
Plus amounts paid in to bank but not cleared -
Total(should equal balance at B1.1) £100,680.00
Interest
**B1.3 ** Savings / deposit account balance £41,471.62
**B1.4 ** Petty cash in hand -
Total cash funds £124,638.04
B2 Investments(if any) -
**B3 ** Debtors

Page 2

INDEPENDENT FINANCIAL EXAMINER'S REPORT To the Trustees of: Swavesey Fire Relief CIO Charity number (if registered): 1190054 I report on the Receipts and Payments Accounts set out on the attached Financial Statement pages 1-3 for the above na charity for the year ended ..... Respective responsibilities of trustees and examiner The trustees are responsible for the preparation of the accounts. The trustees consider that an audit is not required for t under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed. Having satisfied myself that the charity is eligible for independent examination, it is my responsibility to: examine the accounts under section 145 of the 2011 Act; follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the Act; and state whether particular matters have come to my attention. Basis of Independent Examiner's report My examination was carried out in accordance with the general Directions given by the Charity Commission. An examina includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those re also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as tr concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an au consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to thos matters set out in the next statement. Independent Examiner's Statement In connection with my examination no matter has come to my attention, (other than disclosed below): which gives me reasonable cause to believe that, in any material respect, the requirements: to keep accounting records in accordance with Section 130 of the Charities Act 2011; and to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Chari have not been met; or to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reach * Please delete the words in brackets if they do not apply. Comments: Signed: Date: Name: Address:*

Page 3

2024 £ 1,118.86 353.00 - 10,509.46 690.00 210.00 500.00 500.00 500.00 567.11 - - -

14,948.43 23,958.04 100,680.00 124,638.04 -

Page 4

year 2024 £ 59,747.07 40,932.93 - 100,680.00 - -

Page 5

amed his year e 2011 ation ecords. It rustees udit and se ities Act hed.

Page 6

Bank Reconciliation

Community Account

Opening Balance £59,747.07
Total Income £34,601.18
Total Expenditure £11,181.83
Total Transfers out to Savings Account £0.00
Bank Statement Check £83,166.42
Closing Amount on 31 Dec 2024 £59,747.07
Savings Account
Opening Balance £40,932.93
Interest £538.69
Bank Statement Check £41,471.62
Closing Amount on 31 Dec 2024 £40,932.93
Total Cash At Bank £124,638.04
Existing Commitments
Electricity for No 30 when unoccupied £110.00
Total £110.00
Total Cash Available £124528.04

£124,528.04

31 Dec 25 31 Dec 25

SAVINGS ACCOUN

Bank: Barclays
Account Name: Swavesey FI EDS
Sort Code: 20-17-35
Account Number: 30426601
Starting Balance: £40,932.93
Closing Balance:

Income

Date Description
Monday,March 03,2025 Interest
Monday,June 02,2025 Interest
Monday,September 08,2025 Interest
Monday,December 08,2025 Interest

Transfers

Date Description

NT 2025

Income
£144.78
£136.46
£136.80
£120.65
B1.1 Total Income £538.69
Amount
B1.2 Total General Expenditure £0.00
Total in Savings Account £41,471.62

RECEIPTS 2025

Income not cleared through Bank:

Date Description

28 Station Road - John Hutchison

28 Station Road - John Hutchison 28 Station Road - John Hutchison 28 Station Road - John Hutchison 28 Station Road - John Hutchison
Month Date Paid Amount Remarks
January25 02 Jan £320.00
February25 03 Feb £320.00
March 25 03 Mar £320.00
April 25 01 Apr £320.00
May25 01 May £320.00
June 25 02 Jun £325.00
July25 02 Jul £325.00
August 25 04 Aug £325.00
September 25 02 Sep £325.00
October 25 02 Oct £325.00
November 25 03 Nov 25 £325.00
December 25 02 Dec 25 £325.00
Total £3,875.00
34 Station Road - Kathy Cooper
Month Date Paid Amount Remarks
January25 02Jan £260.00
February25 03Feb £260.00
March 25 03 Mar £260.00
April 25 01 Apr £260.00
May25 01 May £260.00
June 25 02 May £260.00
July25 01 May £265.00
August 25 01 Aug £265.00
September 25 01 Sep £265.00
October 25 01 Oct £265.00
November 25 03 Nov £265.00
December 25 01 Dec £265.00
Total £3,150.00

A1.2 Total Maintenance Charges £24,575.00

Debtors

Date Description

Total Amounts O

Other Income

Date Description
10 Mar 25 RSA Compensation from Complaint No 4
07 May25 RSA Loss of Income
24 Dec 26 RSA Loss of Income

Total Income £34,601.18

Invoice No Invoice No Invoice No Payment
A1.1 Total Committed Income £0.00
Maintenance Charges
30 Station Road - Michael Baker
Month Date Paid Amount Remarks
January25 16 Jan £320.00
February25 05 Feb £320.00
March 25 10 Mar £320.00
April 25 01 Apr £0.00 Moved out 31 Mar 25
May25 01 May £0.00
June 25 01 Jun £0.00
July25 01 Jul £0.00
August 25 01 Aug £325.00 Denise Lambert in 1 Aug25
September 25 01 Sep £325.00
October 25 30 Sep £325.00
November 25 30 Oct £325.00
December 25 01 Dec £325.00
January26 30 Dec £325.00
Total £2,910.00
1 Frere Gardens - Beverly Mannion 1 Frere Gardens - Beverly Mannion 1 Frere Gardens - Beverly Mannion 1 Frere Gardens - Beverly Mannion
Month Date Paid Amount Remarks
January25 03 Jan £450.00
February25 03Feb £450.00
March 25 03 Mar £450.00
April 25 03 Apr £450.00
May25 05 May £450.00
June 25 03 Jun £450.00
July25 03 Jul £450.00
August 25 04 Aug £450.00
September 25 03 Sep £450.00
October 25 03 Oct £450.00
November 25 03 Nov £450.00
December 25 03 Dec £460.00
Total £5,410.00
Arrears Payments Remarks
Owed Totals
£0.00
Receipt No Totalpaid into bank
N/A £650.00
N/A £6,043.78
N/A £3,332.40
A1.3 Total Income £10,026.18

32 Station Road - Jody Coulson

32 Station Road - Jody Coulson 32 Station Road - Jody Coulson 32 Station Road - Jody Coulson 32 Station Road - Jody Coulson
Month Date Paid Amount Remarks
January25 03 Jan £320.00
February25 02 Mar £320.00
March 25 03 Mar £320.00
April 25 03 Apr £320.00
May25 05 May £320.00
June 25 03 Jun £320.00
July25 03 Jul £325.00
August 25 04 Aug £325.00
September 25 03 Sep £325.00
October 25 03 Sep £325.00
November 25 03 Nov £325.00
December 25 03 Dec £325.00
Total £3,870.00

2 Frere Gardens - Paul Taylor

2 Frere Gardens - Paul Taylor 2 Frere Gardens - Paul Taylor 2 Frere Gardens - Paul Taylor 2 Frere Gardens - Paul Taylor
Month Date Paid Amount Remarks
January25 25 Jan £450.00
February25 21 Feb £450.00
March 25 21 Mar £450.00
April 25 22 Apr £450.00
May25 22 May £450.00
June 25 20 Jun £400.00 Less the £50 credit
July25 £0.00
August 25 01 Aug £900.00
September 25 26 Aug £450.00
October 25 01 Oct £450.00
November 25 03 Nov £450.00

December 25 21 Nov Total £460.00 £5,360.00

Committed Expenditure not cleared through Ba

Date Microsoft Basi Electricity forN

Date Serial
21 Jan 25 1
12 Feb 25 2
14 Feb 25 3
14-Feb-25 4
11 Apr 25 5
23 May25 6
04 Jun 25 7
04 Jun 25 8
04 Jun 25 9
04 Jun 25 10
24 Jun 25 11
27 Jun 25 12
27 Jun 25 13
30 Jun 25 14
08 Jul 25 15
02 Aug25 16
25 Aug25 17
25 Aug25 18
27 Aug25 19
06 Sep25 20
26 Sep25 21
06 Oct 25 22
06 Oct 25 23
09 Nov 25 24
30 Nov 25 25
04 Dec 25 26

Transfers to Savings Account

Date Description

EXPENDITURE 2025

ank:

Description Invoice No
c Business Plan 25-26
No 30 when not occupied
B1.1 Tot
Description Invoice No
Entire Unblock toilet No 34 19858
Entire Repair cistern and fit isolation valve No 34 19951
Huttie Group- Air source heatpumpservice No 1 FG 128982
Huttie Group- Air source heatpumpservice No 2 FG 128983
Huttie Group- Glycerol for ASHP No 1 FG 130514
PDS - Decorating- No 30 PDS0333
Adam Harvey- Grass cuttingand weeding 1469
T P Sparks - PlumbingOutside tapand repair sink No 2 FG 210
T P Sparks - PlumbingRepair hot water cylinderNo 1 FG 222
T P Sparks - PlumbingRepair leaks No 28 227
Grouts - Insurance Premium 52835
Alicia Abraham - CleaningNo 30 -
Nick Phillips Architects - Drawings for Insulation Project 2000
Adam Harvey- Grass cuttingand weeding 1482
Edwin Parish - Trimmingand removal of branches 11
Adam Harvey- Grass cuttingand weeding 1506
Stuart Fabian - Replace toilet seat No 30 -
Terry's Electrical - Replace switchpullcords - No 30 10098
Nick Phillips Architects - 65% Completionpayment INV 2025
Adam Harvey- Grass cuttingand weeding 1522
M Herrington - Microsoft Ondrive Account E200X6WNF
Bev Mannion - Return of overpayment of Maintenance Charge -
Adam Harvey- Grass cuttingand weeding 1547
Adam Harvey- Grass cuttingand weeding 1564
Adam Harvey- Grass cuttingand weeding 1587
Almshouse Association - Subscriptions 14683

B1.2

Type

Invoice No Amount Remarks
£136.80
£110.00
tal Committed Expenditure
£246.80
Category Amount Remarks
Maintenance £108.00
Maintenance £198.72
Maintenance £190.80
Maintenance £190.80
Maintenance £473.04
Change of Occupant No 30 £3,271.00
Gardening £95.00
Maintenance £85.00 Serials 8,9 &10paid as one at £335.00
Maintenance £120.00 Serials 8,9 &10paid as one at £335.00
Maintenance £130.00 Serials 8,9 &10paid as one at £335.00
Insurance £1,103.18
Change of Occupant No 30 £165.00
Consultants £1,650.00
Gardening £60.00
Maintenance £80.00
Gardening £60.00
Maintenance £81.13
Maintenance £84.00
Consultants £2,082.00
Gardening £150.00
Admin £164.16
Overpayment £50.00
Gardening £120.00
Gardening £45.00
Gardening £60.00
Subscriptions £365.00
Total General Expenditure
£11,181.83
Invoice No Transfer Out Remarks
B1.3 Total Transfers out
£0.00

Total Expenditure £11,181.83

Month WMC Paid Date Paid Payment Method
Jan-21 £265.50 £265.50 04 January2021 StandingOrder
Feb-21 £265.50 £265.50 01 February2021 StandingOrder
Mar-21 £265.50 £265.50 01 March 2021 StandingOrder
Apr-21 £265.50 £265.50 01 April 2021 StandingOrder
May-21 £265.50 £265.50 04 May2021 StandingOrder
Jun-21 £265.50 £265.50 01 June 2021 StandingOrder
Jul-21 £278.80 £278.80 01 July2021 StandingOrder
Aug-21 £278.80 £278.80 02 August 2021 StandingOrder
Sep-21 £278.80 £278.80 01 September 2021 StandingOrder
Oct-21 £278.80 £278.80 01 October 2021 StandingOrder
Nov-21 £278.80 £278.80 01 November 2021 StandingOrder
Dec-21 £278.80 £278.80 01 December 2021 StandingOrder
Jan-22 £278.80 £278.80 04 January2022 StandingOrder
Feb-22 £278.80 £278.80 01 February2022 StandingOrder
Mar-22 £278.80 £278.80 01 March 2022 StandingOrder
Apr-22 £278.80 £278.80 01 April 2022 StandingOrder
May-22 £278.80 £278.80 03 May2022 StandingOrder
Jun-22 £278.80 £278.80 01 June 2022 StandingOrder
Jul-22 £278.80 £278.80 01 July2022 StandingOrder
Aug-22 £280.00 £280.00 01 August 2022 StandingOrder
Sep-22 £280.00 £280.00 01 September 2022 StandingOrder
Oct-22 £280.00 £280.00 03 October 2022 StandingOrder
Nov-22 £280.00 £280.00 01 November 2022 StandingOrder
Dec-22 £280.00 £280.00 01 December 2022 StandingOrder
Jan-23 £280.00 £280.00 03 January2023 StandingOrder
Feb-23 £280.00 £280.00 01 February2023 StandingOrder
Mar-23 £280.00 £280.00 01 March 2023 StandingOrder
Apr-23 £280.00 £280.00 03 April 2023 StandingOrder
May-23 £280.00 £280.00 02 May2023 StandingOrder
Jun-23 £280.00 £280.00 01 June 2023 StandingOrder
Jul-23 £305.00 £305.00 03 July2023 StandingOrder
Aug-23 £305.00 £305.00 01 August 2023 StandingOrder
Sep-23 £305.00 £305.00 01 September 2023 StandingOrder
Oct-23 £305.00 £305.00 02 October 2023 StandingOrder
Nov-23 £305.00 £305.00 01 November 2023 StandingOrder
Dec-23 £305.00 £305.00 01 December 2023 StandingOrder
Jan-24 £305.00 £305.00 02 January2024 StandingOrder
Feb-24 £305.00 £305.00 01 February2024 StandingOrder
Mar-24 £305.00 £305.00 01 March 2024 StandingOrder
Apr-24 £305.00 £305.00 02 April 2024 StandingOrder
May-24 £305.00 £305.00 01 May2024 StandingOrder
Jun-24 £305.00 £305.00 10 June 2024 StandingOrder
Jul-24 £320.00 £320.00 01 July2024 StandingOrder
Aug-24 £320.00 £320.00 01 August 2024 StandingOrder
Sep-24 £320.00 £320.00 02 September 2024 StandingOrder
Oct-24 £320.00 £320.00 01 October 2024 StandingOrder
Nov-24 £320.00 £320.00 01 November 2024 StandingOrder
Dec-24 £320.00 £320.00 02 December 2024 StandingOrder
Jan-25 £320.00 £320.00 02 January2025 StandingOrder
Feb-25 £320.00 £320.00 03 February2025 StandingOrder
Mar-25 £320.00 £320.00 03 March 2025 StandingOrder
Apr-25 £320.00 £320.00 01 April 2025 StandingOrder
May-25 £320.00 £320.00 01 May2025 StandingOrder
Jun-25 £320.00 £325.00 02 June 2025 StandingOrder
Jul-25 £325.00 £325.00 02 July2025 StandingOrder
Aug-25 £325.00 £325.00 04 August 2025 StandingOrder
Sep-25 £325.00 £325.00 02 September 2025 StandingOrder
Oct-25 £325.00 £325.00 02 October 2025 StandingOrder
Nov-25 £325.00 £325.00 03 November 2025 StandingOrder
Dec-25 £325.00 £325.00 02 December 2025 StandingOrder
Totals
£17,747.40 £17,752.40
Diference £5.00 Credit

Remarks

Month WMC Paid Date Paid Payment Method
Jan-21 £265.00 £265.00 14 January2021 Funds Transfer
Feb-21 £265.00 £265.00 03 February2021 Funds Transfer
Mar-21 £265.00 £265.00 05 March 2021 Funds Transfer
Apr-21 £265.00 £265.00 01 April 2021 Funds Transfer
May-21 £265.00 £265.00 04 May2021 Funds Transfer
Jun-21 £265.00 £265.00 02 June 2021 Funds Transfer
Jul-21 £278.25 £278.25 02 July2021 Funds Transfer
Aug-21 £278.25 £278.25 04 August 2021 Funds Transfer
Sep-21 £278.25 £278.25 03 September 2021 Funds Transfer
Oct-21 £278.25 £278.25 04 October 2021 Funds Transfer
Nov-21 £278.25 £278.25 05 November 2021 Funds Transfer
Dec-21 £278.25 £278.25 02 December 2021 Funds Transfer
Jan-22 £278.25 £278.25 10 January2022 Funds Transfer
Feb-22 £278.25 £278.25 04 February2022 Funds Transfer
Mar-22 £278.25 £278.25 04 March 2022 Funds Transfer
Apr-22 £278.25 £278.25 04 April 2022 Funds Transfer
May-22 £278.25 £278.25 05 May2022 Funds Transfer
Jun-22 £278.25 £278.25 06 June 2022 Funds Transfer
Jul-22 £280.00 £280.00 05 July2022 Funds Transfer
Aug-22 £280.00 £280.00 01 August 2022 Funds Transfer
Sep-22 £280.00 £280.00 05 September 2022 Funds Transfer
Oct-22 £280.00 £280.00 13 October 2022 Funds Transfer
Nov-22 £280.00 £280.00 02 November 2022 Funds Transfer
Dec-22 £280.00 £280.00 02 December 2022 Funds Transfer
Jan-23 £280.00 £220.00 20 January2023 Funds Transfer
£60.00 23 January2023 Funds Transfer
Feb-23 280.00 £280.00 31 January2023 Funds Transfer
Mar-23 280.00 £280.00 28 February2023 Funds Transfer
Apr-23 280.00 £280.00 31 March 2023 Funds Transfer
May-23 280.00 £280.00 02 May2023 Funds Transfer
Jun-23 280.00 £280.00 02 June 2023 Funds Transfer
Jul-23 300.00 £300.00 03 July2023 Funds Transfer
Aug-23 305.00 £305.00 04 August 2023 Funds Transfer
Sep-23 305.00 £305.00 04 September 2023 Funds Transfer
Oct-23 305.00 £305.00 03 October 2023 Funds Transfer
Nov-23 305.00 £305.00 06 November 2023 Funds Transfer
Dec-23 305.00 £305.00 11 December 2023 Funds Transfer
Jan-24 £305.00 £305.00 05 January2024 Funds Transfer
Feb-24 £305.00 £305.00 09 February2024 Funds Transfer
Mar-24 £305.00 £305.00 04 March 2024 Funds Transfer
Apr-24 £305.00 £305.00 08 April 2024 Funds Transfer
May-24 £305.00 £305.00 07 May2024 Funds Transfer
Jun-24 £305.00 £305.00 04 June 2024 Funds Transfer
Jul-24 £320.00 £320.00 12 July2024 Funds Transfer
Aug-24 £320.00 £320.00 12 August 2024 Funds Transfer
Sep-24 £320.00 £320.00 18 September 2024 Funds Transfer
Oct-24 £320.00 £320.00 21 October 2024 Funds Transfer
Nov-24 £320.00 £320.00 11 November 2024 Funds Transfer
Dec-24 £320.00 £320.00 04 December 2024 Funds Transfer
Jan-25 £320.00 £320.00 16 January2025 Funds Transfer
Feb-25 £320.00 £320.00 05 February2025 Funds Transfer
Mar-25 £320.00 £320.00 10 March 2025 Funds Transfer
Apr-25 £0.00 £0.00
May-25 £0.00 £0.00
Jun-25 £0.00 £0.00
Jul-25 £0.00 £0.00
Aug-25 £325.00 £325.00 31 July2025 Counter Credit
Sep-25 £325.00 £325.00 01 September 2025 StandingOrder
Oct-25 £325.00 £325.00 30 September 2025 StandingOrder
Nov-25 £325.00 £325.00 30 October 2025 StandingOrder
Dec-25 £325.00 £325.00 01 December 2025 StandingOrder
Jan-26 £325.00 £325.00 30 December 2025 StandingOrder
Totals
16,774.00 16,774.00
Diference £0.00 Credit

Remarks

Moved Out 31 March 2025 Moved In l August 2025

Month WMC Paid Date Paid Payment Method
Jan-21 £265.50 £265.50 04 January2021 StandingOrder
Feb-21 £265.50 £265.50 01 February2021 StandingOrder
Mar-21 £265.50 £265.50 01 March 2021 StandingOrder
Apr-21 £265.50 £265.50 01 April 2021 StandingOrder
May-21 £265.50 £265.50 04 May2021 StandingOrder
Jun-21 £265.50 £265.50 01 June 2021 StandingOrder
Jul-21 £265.50 £265.50 01 July2021 StandingOrder
Aug-21 £265.50 £265.50 02 August 2021 StandingOrder
Sep-21 £265.50 £265.50 01 September 2021 StandingOrder
Oct-21 £265.50 £265.50 01 October 2021 StandingOrder
Nov-21 £278.80 £278.80 01 November 2021 StandingOrder
Nov-21 £53.20 £53.20 01 November 2021 Bank Transfer
Dec-21 £278.80 £278.80 01 December 2021 StandingOrder
Jan-22 £278.80 £278.80 04 January2022 StandingOrder
Feb-22 £278.80 £278.80 01 February2022 StandingOrder
Mar-22 £278.80 £278.80 01 March 2022 StandingOrder
Apr-22 £278.80 £278.80 01 April 2022 StandingOrder
May-22 £278.80 £278.80 03 May2022 StandingOrder
Jun-22 £278.80 £278.80 01 June 2022 StandingOrder
Jul-22 £278.80 £278.80 01 July2022 StandingOrder
Aug-22 £280.00 £280.00 01 August 2022 StandingOrder
Sep-22 £280.00 £280.00 01 September 2022 StandingOrder
Oct-22 £280.00 £280.00 03 October 2022 StandingOrder
Nov-22 £280.00 £280.00 01 November 2022 StandingOrder
Dec-22 £280.00 £280.00 01 December 2022 StandingOrder
Jan-23 £280.00 £280.00 03 January2023 StandingOrder
Feb-23 £280.00 £280.00 01 February2023 StandingOrder
Mar-23 £280.00 £280.00 01 March 2023 StandingOrder
Apr-23 £280.00 £280.00 03 April 2023 StandingOrder
May-23 £280.00 £280.00 02 May2023 StandingOrder
Jun-23 £280.00 £280.00 01 June 2023 StandingOrder
Jul-23 £300.00 £280.00 03 July2023 StandingOrder
£20.00 17 July2023 Counter Credit
Aug-23 £300.00 £300.00 01 August 2023 StandingOrder
Sep-23 £300.00 £300.00 01 September 2023 StandingOrder
Oct-23 £300.00 £300.00 02 October 2023 StandingOrder
Nov-23 £300.00 £300.00 01 November 2023 StandingOrder
Dec-23 £300.00 £300.00 01 December 2023 StandingOrder
Jan-24 £300.00 £300.00 02 January2024 StandingOrder
Feb-24 £300.00 £300.00 01 February2024 StandingOrder
Mar-24 £300.00 £300.00 01 March 2024 StandingOrder
Apr-24 £300.00 £300.00 02 April 2024 StandingOrder
May-24 £300.00 £300.00 01 May2024 StandingOrder
Jun-24 £300.00 £320.00 03 June 2024 StandingOrder
Jul-24 £320.00 £320.00 03 July2024 StandingOrder
Aug-24 £320.00 £320.00 05 August 2024 StandingOrder
Sep-24 £320.00 £320.00 03 September 2024 StandingOrder
Oct-24 £320.00 £320.00 03 October 2024 StandingOrder
Nov-24 £320.00 £320.00 04 November 2024 StandingOrder
Dec-24 £320.00 £320.00 03 December 2024 StandingOrder
Jan-25 £320.00 £320.00 03 January2025 StandingOrder
Feb-25 £320.00 £320.00 03 February2025 StandingOrder
Mar-25 £320.00 £320.00 03 March 2025 StandingOrder
Apr-25 £320.00 £320.00 03 April 2025 StandingOrder
May-25 £320.00 £320.00 06 May2025 StandingOrder
Jun-25 £320.00 £320.00 03 June 2025 StandingOrder
Jul-25 £325.00 £325.00 03 July2025 StandingOrder
Aug-25 £325.00 £325.00 04 August 2025 StandingOrder
Sep-25 £325.00 £325.00 03 September 2025 StandingOrder
Oct-25 £325.00 £325.00 03 October 2025 StandingOrder
Nov-25 £325.00 £325.00 03 November 2025 StandingOrder
Dec-25 £325.00 £325.00 03 December 2025 StandingOrder
Totals
£17,687.40
£17,707.40
**Diference ** £20.00 Credit

Remarks Check what this was for £20 Underpayment

Month WMC Paid Date Paid Payment Method
Jan-21 £216.70 £216.70 04 January2021 StandingOrder
Feb-21 £216.70 £216.70 01 February2021 StandingOrder
Mar-21 £216.70 £216.70 01 March 2021 StandingOrder
Apr-21 £216.70 £216.70 01 April 2021 StandingOrder
May-21 £216.70 £216.70 04 May2021 StandingOrder
Jun-21 £216.70 £216.70 01 June 2021 StandingOrder
Jul-21 £226.50 £226.50 01 July2021 StandingOrder
Aug-21 £226.50 £226.50 02 August 2021 StandingOrder
Sep-21 £226.50 £226.50 01 September 2021 StandingOrder
Oct-21 £226.50 £226.50 01 October 2021 StandingOrder
Nov-21 £226.50 £226.50 01 November 2021 StandingOrder
Dec-21 £226.50 £226.50 01 December 2021 StandingOrder
Jan-22 £226.50 £226.50 04 January2022 StandingOrder
Feb-22 £226.50 £226.50 01 February2022 StandingOrder
Mar-22 £226.50 £226.50 01 March 2022 StandingOrder
Apr-22 £226.50 £226.50 01 April 2022 StandingOrder
May-22 £226.50 £226.50 03 May2022 StandingOrder
Jun-22 £226.50 £226.50 01 June 2022 StandingOrder
Jul-22 £226.50 £226.50 01 July2022 StandingOrder
Aug-22 £227.00 £227.00 01 August 2022 StandingOrder
Sep-22 £227.00 £227.00 01 September 2022 StandingOrder
Oct-22 £227.00 £227.00 03 October 2022 StandingOrder
Nov-22 £227.00 £227.00 01 November 2022 StandingOrder
Dec-22 £227.00 £227.00 01 December 2022 StandingOrder
Jan-23 £227.00 £227.00 03 January2023 StandingOrder
Feb-23 £227.00 £227.00 01 February2023 StandingOrder
Mar-23 £227.00 £227.00 01 March 2023 StandingOrder
Apr-23 £227.00 £227.00 03 April 2023 StandingOrder
May-23 £227.00 £227.00 02 May2023 StandingOrder
Jun-23 £227.00 £227.00 01 June 2023 StandingOrder
Jul-23 £250.00 £250.00 03 July2023 StandingOrder
Aug-23 £250.00 £250.00 01 August 2023 StandingOrder
Sep-23 £250.00 £250.00 01 September 2023 StandingOrder
Oct-23 £245.00 £245.00 02 October 2023 StandingOrder
Nov-23 £245.00 £245.00 01 November 2023 StandingOrder
Dec-23 £245.00 £245.00 01 December 2023 StandingOrder
Jan-24 £245.00 £245.00 02 January2024 StandingOrder
Feb-24 £245.00 £245.00 01 February2024 StandingOrder
Mar-24 £245.00 £245.00 01 March 2024 StandingOrder
Apr-24 £245.00 £245.00 02 April 2024 StandingOrder
May-24 £245.00 £245.00 01 May2024 StandingOrder
Jun-24 £245.00 £245.00 03 June 2024 StandingOrder
Jul-24 £260.00 £260.00 01 July2024 StandingOrder
Aug-24 £260.00 £260.00 01 August 2024 StandingOrder
Sep-24 £260.00 £260.00 02 September 2024 StandingOrder
Oct-24 £260.00 £260.00 01 October 2024 StandingOrder
Nov-24 £260.00 £260.00 01 November 2024 StandingOrder
Dec-24 £260.00 £260.00 02 December 2024 StandingOrder
Jan-25 £260.00 £260.00 02 January2025 StandingOrder
Feb-25 £260.00 £260.00 03 February2025 StandingOrder
Mar-25 £260.00 £260.00 03 March 2025 StandingOrder
Apr-25 £260.00 £260.00 01 April 2025 StandingOrder
May-25 £260.00 £260.00 01 May2025 StandingOrder
Jun-25 £260.00 £260.00 02 June 2025 StandingOrder
Jul-25 £265.00 £265.00 01 July2025 StandingOrder
Aug-25 £265.00 £265.00 01 August 2025 StandingOrder
Sep-25 £265.00 £265.00 01 September 2025 StandingOrder
Oct-25 £265.00 £265.00 01 October 2025 StandingOrder
Nov-25 £265.00 £265.00 03 November 2025 StandingOrder
Dec-25 £265.00 £265.00 01 December 2025 StandingOrder
Totals
£14,406.70
£14,406.70
**Diference ** £0.00 Credit

Remarks

Month WMC Paid Date Paid Payment Method
Dec-22 £400.00 £0.00
Jan-23 £400.00 £400.00 10 February2023 BACS
Feb-23 £400.00 £800.00 10 February2023 BACS
Mar-23 £400.00 £400.00 28 February2023 StandingOrder
Apr-23 £400.00 £400.00 28 March 2023 StandingOrder
May-23 £400.00 £400.00 28 April 2023 StandingOrder
Jun-23 £400.00 £400.00 30 May2023 StandingOrder
Jul-23 £400.00 £400.00 28 June 2023 StandingOrder
Aug-23 £400.00 £400.00 28 July2023 StandingOrder
Sep-23 £400.00 £400.00 29 August 2023 StandingOrder
Oct-23 £400.00 £400.00 28 September 2023 StandingOrder
Nov-23 £400.00 £400.00 30 October 2023 StandingOrder
Dec-23 £425.00 £400.00 28 November 2023 StandingOrder
Jan-24 £425.00 £400.00 28 December 2023 StandingOrder
Feb-24 £425.00 £400.00 29 January2024 StandingOrder
Mar-24 £425.00 £400.00 28 February2024 StandingOrder
£100.00 06 March 2024 Counter Credit
£25.00 28 March 2024 Counter Credit
Apr-24 £425.00 £400.00 28 March 2024 StandingOrder
£25.00 29 April 2024 Counter Credit
May-24 £425.00 £400.00 29 April 2024 StandingOrder
£25.00 28 May2024 Counter Credit
Jun-24 £425.00 £400.00 28 May2024 StandingOrder
Jul-24 £425.00 £400.00 28 June 2024 StandingOrder
Aug-24 £425.00 £400.00 29 July2024 StandingOrder
Sep-24 £425.00 £475.00 02 September 2024 StandingOrder
Oct-24 £425.00 £450.00 03 October 2024 StandingOrder
Nov-24 £425.00 £450.00 04 November 2024 StandingOrder
Dec-24 £450.00 £450.00 02 December 2024 StandingOrder
Jan-25 £450.00 £450.00 03 January2025 StandingOrder
Feb-25 £450.00 £450.00 03 February2025 StandingOrder
Mar-25 £450.00 £450.00 03 March 2025 StandingOrder
Apr-25 £450.00 £450.00 03 April 2025 StandingOrder
May-25 £450.00 £450.00 06 May2025 StandingOrder
Jun-25 £450.00 £450.00 03 June 2025 StandingOrder
Jul-25 £450.00 £450.00 03 July2025 StandingOrder
Aug-25 £450.00 £450.00 04 August 2025 StandingOrder
Sep-25 £450.00 £450.00 03 September 2025 StandingOrder
Oct-25 £450.00 £450.00 03 October 2025 StandingOrder
Oct-25 £0.00 -£50.00 06 October 2025 BACS Transfer
Nov-25 £450.00 £450.00 03 November 2025 StandingOrder
Dec-25 £460.00 £460.00 03 December 2025 StandingOrder
Total
£15,760.00 £15,760.00
Diference £0.00 Credit

Remarks Occupied from 1 Dec 22 Payment for Dec 22 - Paid by Youngs HM Payment for Jan & Feb 23 - Paid by Unwin SE £25 underpayment £25 underpayment £50 Overpayment £50 Overpayment Repayment of £50.00 Credit

Month WMC Paid Date Paid Payment Method
Dec-22 £400.00 £400.00 02 December 2022 Cash
Jan-23 £400.00 £400.00 04 January2023 StandingOrder
Feb-23 £400.00 £400.00 01 February2023 StandingOrder
Mar-23 £400.00 £400.00 01 March 2023 BACS
Apr-23 £400.00 £400.00 03 April 2023 StandingOrder
May-23 £400.00 £400.00 02 May2023 StandingOrder
Jun-23 £400.00 £400.00 01 June 2023 StandingOrder
Jul-23 £400.00 £400.00 07 July2023 BACS
Aug-23 £400.00 £100.00 04 August 2023 BACS
Sep-23 £400.00 £700.00 25 August 2023 BACS
Oct-23 £400.00 £400.00 02 October 2023 BACS
Nov-23 £400.00 £400.00 01 November 2023 StandingOrder
Dec-23 £400.00 £425.00 29 November 2023 StandingOrder
Jan-24 £425.00 £425.00 29 December 2023 StandingOrder
Feb-24 £425.00 £425.00 29 January2024 StandingOrder
Mar-24 £425.00 £425.00 29 February2024 StandingOrder
Apr-24 £425.00 £425.00 02 April 2024 StandingOrder
May-24 £425.00 £425.00 29 April 2024 StandingOrder
Jun-24 £425.00 £425.00 03 June 2024 StandingOrder
Jul-24 £425.00 £50.00 15 July2024 BACS
Aug-24 £425.00 £425.00 22 July2024 BACS
Sep-24 £425.00 £475.00 29 August 2024 BACS
Oct-24 £425.00 £750.00 20 September 2024 BACS
Nov-24 £425.00 £425.00 23 October 2024 BACS
Dec-24 £425.00 £450.00 25 November 2024 BACS
Jan-25 £450.00 £450.00 29 January2025 BACS
Feb-25 £450.00 £450.00 21 February2025 BACS
Mar-25 £450.00 £450.00 21 March 2025 BACS
Apr-25 £450.00 £450.00 22 April 2025 BACS
May-25 £450.00 £450.00 22 May2025 BACS
Jun-25 £450.00 £400.00 20 June 2025 BACS
Jul-25 £450.00 £0.00
Aug-25 £450.00 £900.00 01 August 2025 BACS
Sep-25 £450.00 £450.00 26 August 2025 BACS
Oct-25 £450.00 £450.00 01 October 2025 Funds Transfer
Nov-25 £450.00 £450.00 03 November 2025 Funds Transfer
Dec-25 £460.00 £460.00 21 November 2025 Funds Transfer
Total
£15,710.00 £15,710.00
Diference 0.00 Credit

Remarks Occupied from l Dec 22 Missed Payment

----- Start of picture text -----
Name: Swavesey Fire Relief CIO
Charity number (if registered): 1190054
FINANCIAL STATEMENT
For the period: 1 January 2025 to 31 December 2025
Section A Receipts and Payments
2025 2024 2025 2024
A1 Receipts (Totals) A2 Payments (Totals)
£ £ £ £
Rents 24,575.00 23,770.00 Insurance 1,103.18 1,118.86
Donations - 250.00 Subscriptions 365.00 353.00
Interest from Savings Account 538.69 606.63 Consultants 3,732.00 -
Ombudsmans Compensation Awards - 800.00 Maintenance 1,741.49 10,509.46
Insurance claim loss of income 10,026.18 8,582.33 Gardening 590.00 690.00
Insurance overpayment - 49.71 Almshouse Course - 210.00
Kathy Cooper - Compensation - 500.00
Insurance Excess - Trubuild - 500.00
Insurance Excess - Accommodation - 500.00
John Shepperson Plaque - 567.11
Decorating & Cleaning No 30 3,436.00 -
Admin - OneDrive 164.16 -
Return of overpayment of 50.00 -
Maintenance Charge
Total Receipts 35,139.87 34,058.67 Total Payments 11,181.83 14,948.43
Restricted funds included in total Restricted funds included in total
A3 A4
receipts payments
Total Receipts less Total Payments (Surplus/Deficit for the year) 23,958.04
A5 Total cash funds brought forward from last year (equals last year's total at B1 ) 100,680.00
A6 Total cash funds carried forward at this year end 124,638.04
A7 Total restricted funds at year end included in total cash funds above -
----- End of picture text -----

Page 1

----- Start of picture text -----
Swavesey Fire Relief CIO
Section B Statement of assets and liabilities at the year end
B1 Cash funds Total 2025 Last year 2024
£ £
B1.1 Final bank balance as per Account Book, including uncleared items £83,166.42 59,747.07
B1.2 Reconciliation of final bank balance from Account Book to bank statement
Bank statement total at year end £83,166.42
Plus amounts paid in to bank but not cleared -
Total (should equal balance at B1.1) £83,166.42
Interest
B1.3 Savings / deposit account balance £41,471.62 40,932.93
B1.4 Petty cash in hand - -
Total cash funds £124,638.04 100,680.00
B2 Investments (if any) - -
B3 Debtors -
----- End of picture text -----

Page 2

----- Start of picture text -----
INDEPENDENT FINANCIAL EXAMINER'S REPORT
To the Trustees of: Swavesey Fire Relief CIO
Charity number (if registered): 1190054
I report on the Receipts and Payments Accounts set out on the attached Financial Statement pages 1-3 for the above named
charity for the year ended 31st December 2025
Respective responsibilities of trustees and examiner
The trustees are responsible for the preparation of the accounts. The trustees consider that an audit is not required for this year
under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.
Having satisfied myself that the charity is eligible for independent examination, it is my responsibility to:
• examine the accounts under section 145 of the 2011 Act;
• follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the
2011 Act; and
• state whether particular matters have come to my attention.
Basis of Independent Examiner's report
My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination
includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It
also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as trustees
concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and
consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those
matters set out in the next statement.
Independent Examiner's Statement
In connection with my examination no matter has come to my attention:
1. which gives me reasonable cause to believe that, in any material respect, the requirements:
• to keep accounting records in accordance with Section 130 of the Charities Act 2011; and
• to prepare accounts which accord with the accounting records and comply with the accounting requirements of the
Charities Act
have not been met; or
2. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
Comments:
Signed: Date: 9th February 2026
Name: BRIDGET HENDRY
Address: 33 WALLMANS LANE, SWAVESEY, CAMBRIDGE CB24 4QY
----- End of picture text -----

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