## **Trustees’ Annual Report for the period** ## **From 31 October 2023 Period start date to 31 Oct 2024 Period end date** ## **Charity name: Paddlers for Life Windermere** **Charity registration number:** 1200841 ## **Objectives and Activities** ||SORP reference|| |---|---|---| |Summary of the purposes of
the charity as set out in its
governing document|Para 1.17|To relieve sickness and protect and preserve good
health for persons facing cancer, in particular but not
exclusively breast cancer, or persons in need of
rehabilitation as a result of such illness within Cumbria
and Lancashire by providing or assisting in the provision
for physical activity and recreation, notably Dragon
Boating.| |Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or services
identified in the accounts.|Para 1.17 and
1.19|Organise weekly paddling sessions weather permitting,
coaching and training sessions for the team during the
summer months. Regular attendance by 30+ paddlers
from a current membership of 95. Paying for a safety
boat and always having regard to Health and Safety
matters on and off the water. Funding raised is used for
Maintenance and Storage of the Dragon Boats, any kit
which is purchased for the team. Organising
fundraising events and other off-water support events
during the winter months. Giving talks - not only to
raise funds but also awareness of our Charity’s aims.
We use display boards and distribute leaflets to raise
our profile in various locations including local hospitals.
Our Charity supports any of our members who become
unable to paddle by offering a non-paddling
membership in order that they continue to enjoy the
friendship and support.| |Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commissiononpublic|Para 1.18|As a Charity we have regard to the guidance issued by
the Charity Commission on public benefit and seek to
continue to carry out our purposes as detailed above| |---|---|---| |benefit||| ## **Additional information (optional)** You may choose to include further statements where relevant about: ||SORP reference|| |---|---|---| |Policy on grant making|Para 1.38|N/A| |Policy on social investment
including program related
investment|Para 1.38|N/A| |Contribution made by
volunteers|Para 1.38|Our Charity relies greatly on volunteers for its success.
The Board of Trustees is entirely made up of
volunteers who are also members and have experience
of Breast Cancer. Our helms are all volunteers –
including 2 female cancer survivors and 4 male
supporters (all members). Our support boat drivers are
also from our membership and volunteers whom we
have financed in training. We benefit from countless
hours of help from our families, friends and local
businesses who continually support and strengthen our
team.| |Other||We also benefit from being able to use the Low Wood
Watersports Centre where we store our boats and from
where we paddle each week.| ## **Achievements and Performance** SORP reference |Summary of the main
achievements of the charity,
identifying the difference the
charity’s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.|Para 1.20|We hold weekly paddling sessions in the summer
months. These sessions improve the fitness and
reduce the effects of cancer and its treatment on our
members, most of whom have, or have had, breast
cancer. In June we held a fund-raising event, the
Solstice Paddle. We paddled for 20+ miles, the length
of Windermere and back. This was both an excellent
team event and increased our profile locally in both
the private and business community. The above events
benefit our members through improved physical
fitness and endurance, wellbeing and support for each
other as Breast Cancer survivors.
We have also raised a significant amount for our
Charity through our annual fundraising Coffee
Morningin Silverdale. Our fundraisingevents are| |---|---|---| |||crucial to keep us afloat. We have established a
Donations page and increased our profile and regularly
update our Facebook profile. We have used these
fundraising events as an opportunity to raise
awareness of breast cancer and the side effects of
treatment such as Lymphoedema. Dragon boating
helps to reduce the impact of these side effects on our
members’ lives.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |Achievements against
objectives set|Para 1.41|**N/A**| |---|---|---| |Performance
of
fundraising
activities against objectives set|Para 1.41|**N/A**| |Investment performance
against objectives|Para 1.41|**N/A**| |Other||**N/A**| ## **Financial Review** |Review of the charity’s
financial position at the end of
theperiod|Para 1.21|At the end of the financial year PfL
Windermere had £27,190.70 in its bank
accounts.| |---|---|---| |Statement explaining the
policy for holding reserves
stating why they are held|Para 1.22|Paddlers for Life Windermere’s policy is to hold
sufficient reserves to cover any unforeseen
expenses that may occur e.g. boat
replacement, safety equipment, repairs etc. We
fundraise in advance for an international breast
cancer event that will take place in France in
August 2026. Funds are required for registration
in 2024 (400euros per team member).
Coronavirus has impressed on us the need to
maintain ample reserves as we still had to pay
full rent etc. during 2020 when we were unable
to paddle or raise funds.| |---|---|---| |Amount of reserves held|Para 1.22|£10,200| |Reasons for holding zero
reserves|Para 1.22|N/A| |Details of fund materially in
deficit|Para 1.24|N/A| |Explanation of any
uncertainties about the charity
continuing as a going concern|Para 1.23|There are currently no uncertainties about
Paddlers for Life Windermere continuing to
operate.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |||| |---|---|---| |The charity’s principal sources
of funds (including any
fundraising)|
Para 1.47|Membership fees currently £40 per person
per year.
Silverdale Coffee morning £2,087
Grants £3,800
Morcambe Bay Walk £1,514
Ceilidh £360
Donations £7,407| |Investment policy and
objectives including any social
investment policy adopted|Para 1.46|PfL Windermere does not have a separate
investment policy. All excess funds are kept
in a deposit account with instant access.| |A description of the principal
risks facing the charity|Para 1.46|If we could not raise enough funds each year
to pay our rent to the Low Wood
Hotel/Watersports Centre we would not be
able to provide beneficial paddling sessions
for breast cancer survivors.| |Other||| |||| ## **Structure, Governance and Management** |Description of charity’s trusts:||| |---|---|---| |Type of governing document
(trust deed,royal charter)|Para 1.25|Constitution plus additional Rules & Bylaws| |How is the charity
constituted? (e.g
unincorporated
association, CIO)|Para 1.25|CIO| |Trustee selection methods
including details of any
constitutional provisions e.g.
election to post or name of
any person or body entitled to
appoint one or more|Para 1.25|Invitation to apply. Nominations to be proposed
and seconded by members. Election at AGM.
Guidance through publications from Charity
Commission – Essential Trustee – What you
need to Know. All current Trustees available for
advice if members are interested| |trustees||in the role.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |||| |---|---|---| |Policies
and procedures
adopted for the induction
and training of trustees|Para 1.51|Copy of Constitution and Annual Report and
Accounts. Any other relevant literature from
Charity Commission| |The charity’s organisational
structure and any wider
network with which the charity
works|Para 1.51|Currently managed by 5 Trustees. (Min 4/no Max).
Other members responsible for other activities
within the organisation e.g. Communication,
Social/Media, Helms, Support drivers, 1St Aid,
training, PR, Fundraising, maintenance, merchandise| |Relationship with any related
parties|Para 1.51|None| |Other||N/A| |||| ## **Reference and Administrative details** |Charityname|Paddlersfor LifeWindermere| |---|---| |Other name the charityuses|| |Registered charitynumber|1200841| |Charity’sprincipal address|43 LingBeck Park,Seaton,Workington,Cumbria CA14 1JQ| ||| ||**Names of the charity trustees who manage the charity**|**Names of the charity trustees who manage the charity**|**Names of the charity trustees who manage the charity**|**Names of the charity trustees who manage the charity**|**Names of the charity trustees who manage the charity**|| |---|---|---|---|---|---|---| |||**Trustee name**|**Office (if any)**|**Dates acted if not for**
**whole year**|**Name of person (or**
**body) entitled to**
**appoint trustee (if**
**any)**|| |1||Judith Elizabeth
Lewis|Chair|||| |2||Heather Park|Secretary|1st Nov 2023-13 Feb
2024||| |3||Julie Ann Mason|Secretary|||| |4||Lynne Carter|Treasurer|From 1st November
2023 - 3rd December
2023||| |5||Sally Reid|Treasurer|3rd December 2023 –
18th February 2024||| |6||Lynda Anne
Prescott|Treasurer|From 26th February
2024||| |7||Jennifer Mary
English|Trustee|||| |8||Jill Melissa Frost|Trustee|From 4th February
2024||| |9||||||| |10||||||| Corporate trustees – names of the directors at the date the report was approved **Director name** ## Name of trustees holding title to property belonging to the charity **Trustee name Dates acted if not for whole year** ## **Funds held as custodian trustees on behalf of others** assets are held and how this falls within the custodian charity’s objects Details of arrangements for safe custody and segregation of such assets from the charity’s own assets ## **Additional information (optional)** |**Additional information(optional)**|**Additional information(optional)**|**Additional information(optional)**|**Additional information(optional)**|**Additional information(optional)**|**Additional information(optional)**| |---|---|---|---|---|---| ||||||| |**Names and addresses of advisers (Optional information)**|||||| |**Type of adviser**|**Name**||**Address**||| ||||||| ||||||| |Description of the assets|||||| ||held||||| |in this capacity|||||| |Name and objects of the
charity on whose behalf the|||||| **Name of chief executive or names of senior staff members (Optional information)** ## **Exemptions from disclosure** Reason for non-disclosure of key personnel details ## **Other optional information** ## **Declarations** **The trustees declare that they have approved the trustees’ report above. Signed on behalf of the charity’s trustees** **Signature(s)** Judy Lewis **Full name(s)** Judith Lewis **Position (eg Secretary,** Chair **Chair, etc)** **Date** 1st December 2024 ## **Opening Balances as at 1st November 2023** Lloyds Bank (Reserve Funds) Lloyds Bank (Unrestricted) Lloyds Bank (Restricted - NHS) Ali assessments Hawiian Challenge Donations -for kitting out/ upkeep OC6 Sport England Grant - Covid ## **Receipts** Membership Fees Grant - Frieda Scott Trust Grant - Cumbria CF General Donations Collection Boxes Health Club/Car Park Donations Merchandise sales (T Shirts/jackets/caps etc) Sale of Bouyancy Aids Silverdale Coffee Morning Fundraiser Funds collected from participants of Bay Walk July 2024 Ceilidh Fundraiser Funds collected to pay for AGM lunch at Wilfs 2023 Funds collected to pay for AGM lunch at Wilfs 2024 Entrance fees collected re IBCPC Festival France 2026 (net of cancellation refunds) IBCPC Fundraising Entrance fees collected re Bradford Dragonboat event 2024 Funds collected for Solstice Paddle event venue hire ## **Paddlers for Life Winderm Receipts & Payments Acco Year ending 31st October 2** £9,000.00 £6,847.83 £1,417.81 £1,901.98 £524.19 £19,691.81 £3,035.00 £3,200.00 £600.00 £3,800.00 £7,407.41 £383.70 £130.00 £7,921.11 £1,023.50 £86.00 £1,109.50 £2,237.09 £2,014.80 £360.00 £4,611.89 £120.00 £222.50 £342.50 £3,900.00 £265.00 £1,200.00 £790.00 £6,155.00 £26,975.00 **£46,666.81** ## **mere ount** ## **2024** ## **Payments** Garage Rent Lake Windermere Annual Registration Insurance Boat Maintenance Health and Fitness (Ali) Water Safety Session/Hire of rooms for fitness sessions/Keni Training Flowers & Gifts Audit Printing - Thank you Cards Website Hosting Zoom subscription Training Courses Room Hire /Refreshments etc for meetings /down & Ready etc Purchase of Merchandise Silverdale Coffee Morning Room Hire Entrance Fee to Bay Walk Transfer 2023 Wilf's payments to Donations & Membership Entry Funds paid to IBCPC event 2026 Entry funds paid to Bradford Festival Solstice Paddle - venue hire ## **Closing Balances as at 31st October 2024** Lloyds Bank (Reserve Funds) Lloyds Bank (Unrestricted) Lloyds Bank (Restricted - NHS) Ali assessments Hawiian Challenge Donations -for kitting out/upkeep OC6 Sport England Grant - Covid ## **Lloyds Bank Balance 31st October 2024** £6,585.00 £33.50 £2,003.29 £493.54 £150.00 £263.00 £153.99 £19.50 £146.45 £213.84 £155.88 £547.00 £464.50 £11,229.49 £76.68 £150.00 £500.00 £650.00 £360.00 £5,239.94 £1,200.00 £720.00 £7,159.94 £19,476.11 £10,200.00 £13,496.72 £1,067.81 £1,901.98 £524.19 £27,190.70 **£46,666.81** ## **Independent examiner's report to the trustees of** ## **Paddlers for Life Windermere** ## **Charity No. 1200841** I report on the accounts for the year 1st November 2023 – 31[st] October 2024 ## **Respective responsibilities of trustees and examiner** The charity's trustees are responsible for the preparation of the accounts. The charity's 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. It is my responsibility to: - examine the accounts under section 145 of the 2011 Act; - to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act; and - to 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 statement below. ## **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 2011 Act; and - to prepare accounts which accord with the accounting records and comply with the accounting requirements of the 2011 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. ## Shweta Pankhadiwala C/o Lancaster District CVS, The Cornerstone Sulyard Street Lancaster LA1 1PX 06[th] January 2025. ## **Paddlers for Life Windermere Receipts & Payments Account Year ending 31st October 2024** |**Opening Balances as at 1st November 2023**
Lloyds Bank (Reserve Funds)
Lloyds Bank (Unrestricted)
Lloyds Bank (Restricted - NHS) Ali assessments
Hawiian Challenge Donations -for kitting out / upkeep OC6
Sport England Grant - Covid
**Receipts**
Membership Fees
Grant - Frieda Scott Trust
Grant - Cumbria CF
General Donations
Collection Boxes
Health Club/Car Park Donations
Merchandise sales (T Shirts/jackets/caps etc)
Sale of Buoyancy Aids
Silverdale Coffee Morning Fundraiser
Funds collected from participants of Bay Walk July 2024
Ceilidh Fundraiser
Funds collected to pay for AGM lunch at Wilfs 2023
Funds collected to pay for AGM lunch at Wilfs 2024
Entrance fees collected re IBCPC Festival France 2026 (net of canc
IBCPC Fundraising
Entrance fees collected re Bradford Dragonboat event 2024
Funds collected for Solstice Paddle event venue hire|£
9000.00
6847.83
1417.81
1901.98
524.19|£





3035.00


3800.00



7921.11


1109.50



4611.89


342.50|£
19691.81







26975.00
**46666.81**|**Payments**
£
£
Garage Rent
6585.00
Lake Windermere Annual Registration
33.50
Insurance
2003.29
Boat Maintenance
493.54
Health and Fitness (Ali)
150.00
Water Safety Session/Hire of rooms for fitness sessions/
263.00
Flowers & Gifts
153.99
Audit
19.50
Printing - Thank you Cards
146.45
Website Hosting
213.84
Zoom subscription
155.88
Training Courses
547.00
Room Hire /Refreshments etc for meetings /down & Rea
464.50
11229.49
Purchase of Merchandise
76.68
Silverdale Coffee Morning Room Hire
150.00
Entrance Fee to Bay Walk
500.00
650.00
Transfer 2023 Wilf's payments to Donations & Membership
360.00
Entry Funds paid to IBCPC event 2026
5239.94
Entry funds paid to Bradford Festival
1200.00
Solstice Paddle - venue hire
720.00
7159.94
**Closing Balances as at 31st October 2024**
Lloyds Bank (Reserve Funds)
10200.00
Lloyds Bank (Unrestricted)
13496.72
Lloyds Bank (Restricted - NHS) Ali assessments
1067.81
Hawiian Challenge Donations -for kitting out/upkeep OC6
1901.98
Sport England Grant - Covid
524.19
**Lloyds Bank Balance 31st October 2024**|**Payments**
£
£
Garage Rent
6585.00
Lake Windermere Annual Registration
33.50
Insurance
2003.29
Boat Maintenance
493.54
Health and Fitness (Ali)
150.00
Water Safety Session/Hire of rooms for fitness sessions/
263.00
Flowers & Gifts
153.99
Audit
19.50
Printing - Thank you Cards
146.45
Website Hosting
213.84
Zoom subscription
155.88
Training Courses
547.00
Room Hire /Refreshments etc for meetings /down & Rea
464.50
11229.49
Purchase of Merchandise
76.68
Silverdale Coffee Morning Room Hire
150.00
Entrance Fee to Bay Walk
500.00
650.00
Transfer 2023 Wilf's payments to Donations & Membership
360.00
Entry Funds paid to IBCPC event 2026
5239.94
Entry funds paid to Bradford Festival
1200.00
Solstice Paddle - venue hire
720.00
7159.94
**Closing Balances as at 31st October 2024**
Lloyds Bank (Reserve Funds)
10200.00
Lloyds Bank (Unrestricted)
13496.72
Lloyds Bank (Restricted - NHS) Ali assessments
1067.81
Hawiian Challenge Donations -for kitting out/upkeep OC6
1901.98
Sport England Grant - Covid
524.19
**Lloyds Bank Balance 31st October 2024**|**Payments**
£
£
Garage Rent
6585.00
Lake Windermere Annual Registration
33.50
Insurance
2003.29
Boat Maintenance
493.54
Health and Fitness (Ali)
150.00
Water Safety Session/Hire of rooms for fitness sessions/
263.00
Flowers & Gifts
153.99
Audit
19.50
Printing - Thank you Cards
146.45
Website Hosting
213.84
Zoom subscription
155.88
Training Courses
547.00
Room Hire /Refreshments etc for meetings /down & Rea
464.50
11229.49
Purchase of Merchandise
76.68
Silverdale Coffee Morning Room Hire
150.00
Entrance Fee to Bay Walk
500.00
650.00
Transfer 2023 Wilf's payments to Donations & Membership
360.00
Entry Funds paid to IBCPC event 2026
5239.94
Entry funds paid to Bradford Festival
1200.00
Solstice Paddle - venue hire
720.00
7159.94
**Closing Balances as at 31st October 2024**
Lloyds Bank (Reserve Funds)
10200.00
Lloyds Bank (Unrestricted)
13496.72
Lloyds Bank (Restricted - NHS) Ali assessments
1067.81
Hawiian Challenge Donations -for kitting out/upkeep OC6
1901.98
Sport England Grant - Covid
524.19
**Lloyds Bank Balance 31st October 2024**|£





19476.11
27190.70| |---|---|---|---|---|---|---|---| ||3200.00
600.00
7407.41
383.70
130.00||||||| ||1023.50
86.00||||||| ||2237.09
2014.80
360.00||||||| ||120.00
222.50||||10200.00
13496.72
1067.81
6
1901.98
524.19||| ||||||||| ||||||||| ||||||||| ||||||||**46666.81**|