2025-10-31-accounts

Trustees’ Annual Report for the period

From 31 October 2024 Period start date to 31 Oct 2025 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 partcular but not exclusively breast cancer, or persons in need of rehabilitaton as a result of such illness within Cumbria and Lancashire by providing or assistng in the provision for physical actvity and recreaton, notably Dragon Boatng.
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 permitng, coaching and training sessions for the team during the summer months. Regular atendance by 30+ paddlers from a current membership of 80. Paying for a safety boat and always having regard to Health and Safety maters on and of the water. Funding raised is used for Maintenance and Storage of the Dragon Boats, plus any kit which is purchased for the team. Organising fundraising events and other of- 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 leafets to raise our profle in various locatons including local hospitals. Our Charity supports any of our members who become unable to paddle by ofering a non-paddling membership in order that they contnue to enjoy the friendship and support.
Statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission onpublic	Para 1.18	As a Charity we have regard to the guidance issued by the Charity Commission on public beneft and seek to contnue 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 entrely 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 supporters (all members). Our support boat drivers are also from our membership and volunteers whom we have fnanced in training. We beneft from countless hours of help from our families, friends and local businesses who contnually support and strengthen our team.
Other		We also beneft from being able to use the Low Wood Watersports Centre (English Lakes Hotels) 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, weather permitng. These sessions improve the ftness and reduce the efects of cancer and its treatment on our members, most of whom have, or have had, breast cancer. In July we took part in the frst Windermere Dragonboat charity event at YMCA Lakeside event. This was both an excellent team event and increased our profle locally in both the private and business community. The above events beneft our members through improved physical ftness and endurance, wellbeing and support for each other as Breast Cancer survivors. We have also raised a signifcant amount for our Charity through our annual fundraising Cofee Morning in Silverdale. Our fundraising events are
		crucial to keep us afoat. We have established a Justgiving page and increased our profle and regularly update our Facebook profle. We have used these fundraising events as an opportunity to raise awareness of breast cancer and the side efects of treatment such as Lymphoedema. Dragon boatng helps to reduce the impact of these side efects 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 fnancial year PfL Windermere had £30789 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 sufcient reserves to cover any unforeseen expenses that may occur e.g. boat replacement, safety equipment, repairs etc. We are fundraising in advance for an internatonal breast cancer (IBCPC) event that will take place in France in August 2026. Funds are required for registraton in 2024 (400 euros per team member). Coronavirus has impressed on us the need to maintain ample reserves as we stll had to pay full rent etc. during 2020 when we were unable to paddle or raise funds.
Amount of reserves held	Para 1.22	£10,000
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 uncertaintes about Paddlers for Life Windermere contnuing 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: £3355 Silverdale fundraising Coffee morning: £1572 Grants: £2500 Morecambe Bay Fundraising Walk: £655 Ceilidhs: £893

		Donatons, Talks: £5725 Gif Aid: £1063 Charityswim: £1457
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 plus £10000 (reserve funds) in a fixed rate dep account.
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 trustees	Para 1.25	Invitaton to apply. A majority must have, or have had, breast cancer. Nominatons to be proposed and seconded by members. Electon at AGM. Guidance through publicatons from Charity Commission – Essental Trustee – What you need to Know. All current Trustees available for advice if members are interested 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 Consttuton and Annual Report and Accounts. Any other relevant literature from Charity Commission. All policies held on our website.
The charity’s organisational structure and any wider network with which the charity works	Para 1.51	Currently managed by 7 Trustees. (Min 4/no Max). Other members responsible for other actvites within the organisaton e.g. Communicaton, Social/Media, Helms, Support drivers, 1StAid, training, PR, Fundraising, boat and equipment maintenance, merchandise

Para 1.51	None
	N/A

Reference and Administrative details

Charityname	Paddlers for Life Windermere
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		Rowena Pryor	Chair
2		Lynne Carter	Treasurer
3		Elizabeth Feather	Trustee
4		Jennifer English	Trustee
5		Jude Rigg	Trustee
6		Philippa Springle	Trustee
7		Lisa Smith	Trustee
8
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

Description of the assets held in this capacity

Name and objects of the charity on whose behalf the

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)

Names and addresses of advisers (Optional information)

Type of adviser Name Address 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) R.J. Pryor Full name(s) Rowena Jane Pryor Position eg Secretary, Chair, etc Chair Date 17[th] November 2025

Paddlers For Life Windermere Income & Expenditure Report

Opening Bank Balance as at 1st November 2024 Lloyds Treasurers Current Account Made up of :- Reserve Funds 10200.00 Unrestricted Funds 13496.72 Restricted - NHS - Training & Exercise 1067.81 Hawiian Challenge Donations for upkeep of OC6 1901.98	Opening Bank Balance as at 1st November 2024 Lloyds Treasurers Current Account Made up of :- Reserve Funds 10200.00 Unrestricted Funds 13496.72 Restricted - NHS - Training & Exercise 1067.81 Hawiian Challenge Donations for upkeep of OC6 1901.98	1st November 2024 to 31st October 2025 27190.70 Expenditure Low Wood Site Rental 7100.00 Lake Windermere Registration 35.00 Insurance 1673.58 Maintenance - fuel & repairs 289.18 Equipment - Replacement BAs/name badges 605.15 OC6 Fitout/upkeep 30.00	1st November 2024 to 31st October 2025 27190.70 Expenditure Low Wood Site Rental 7100.00 Lake Windermere Registration 35.00 Insurance 1673.58 Maintenance - fuel & repairs 289.18 Equipment - Replacement BAs/name badges 605.15 OC6 Fitout/upkeep 30.00	1st November 2024 to 31st October 2025 27190.70 Expenditure Low Wood Site Rental 7100.00 Lake Windermere Registration 35.00 Insurance 1673.58 Maintenance - fuel & repairs 289.18 Equipment - Replacement BAs/name badges 605.15 OC6 Fitout/upkeep 30.00
Sport England Grant - Covid 524.19
Income Membership Fees Donation: Members & Friends : Talks and Fundraisers : Car Parking :CAF Collection Boxes Gift Aid Grants Received Interest from FR account Fundraisers: Silverdale : Staveley Ceilidh : Bay Walk : Lisa's Swim Challenge :Grange Ceilidh Merchandise sold for France Sales (T Shirts/jackets/caps etc) Sales Christmas Cards	3355.00 1052.74 3975.00 50.00 120.00 527.42 1063.72 2500.00 145.10 1722.98 517.00 1305.88 1457.37 376.15 124.00 502.29 522.00	12643.88 145.10 5379.38	Water Safety & Keni Training (Restricted funds) 220.00 Flowers for boats 93.50 Flowers & Gifts 150.00 Audit 75.00 Postage - stamps & SumUp Machine 48.59 Domain name registration 156.04 Zoom (Annual Subscription) 155.88 Training - Support Boat Course 600.00 Room Hire /Refreshments (Meetings) 628.46 Merchandise - Caps, Xmas cards 306.77 Merchandise - Bouyancy Aids 505.15 Tower Wood Solstice Stay 720.00 Windermere Regatta Registration 550.00 Bradford Regatta Registration 2025 & 2026 1200.00 Entry Fee Bay Walk 650.00 AGM Lunch at Wilfs 356.00 IBCPC Registration Fee Balance 5298.13 France deposits refunded 1050.00 France T Shirts 559.20		23355.63 30789.02
Sale of Bouyancy Aids	435.00		Silverdale Float 300.00
Sale of Paddles Funds collected for: Tower Wood stay : Windermere Dragon boat event : Bradford Dragonboat event	100.00 612.00 550.00 540.00		Closing Bank Balances as at 31st October 2025 Lloyds Treasurers Current Account 10789.02 Lloyds Commercial Instant Access Account 10000.00
: AGM Lunch at Wilfs Dec 2024	133.70		Lloyds Fixed Term Deposit Account 10000.00
: IBCPC Festival France 2026 : OC6 Membership Fees	3400.00 15.00		Made up of :-
: France Shirts Sale of Trailer Overpayment (to be refunded in November)	501.60 1000.00 50.00	8785.59 54144.65	Reserve Funds 10000.00 Unrestricted Funds (Inc bal of Sport England Gra 17039.23 Restricted - NHS - Training & Exercise 847.81 26953.95 Donations for upkeep of OC6 from HC & Others 2901.98
				847.81 s 2901.98
Silverdale Float	300.00
			54,144.65		54144.65

Independent examiners report to the trustses of Paddlers for Lrfe Winderniere Charity No. 1200841 I reFQrt on the accounts for the year 1 st November 2024- 31* October 2025 Rospective responsibiliti•s of trustees and examiner The chartys trustees are responSi￿e forthe prepar8tion of the accounts The charws trustees ¢onsKler th81 an audit is not iequired for this year under seclion 14412) of the Ch81ilies Act 2021 (the 2011 Aci) and that an IndepeThJent examinatton is needed. 11 is my responsilility to.. exarrune the accounts u17der SeCi￿n 145 of the 2011 Ad: to folk)w the procodur85 laid down in thè general Lh'rections gNen by the Charity Commission under sed￿n 145(5)(b) of the 2011 Ad.. and lo stale wfiether particular matters have com lo my attentlon Basls of Independent examlnePs report My exanmnation was carried out in accordance wrth the general Di￿¢bon$ g￿ft by the Chanty Comffission. An ex8min8tion includes a review ofthe a￿)unting records kept by the charity and a comparison of the accounts presented wrth those recoft1s. 11 aLso includes Cons￿eration of at unusu81 Items or d1sd0su￿S in the accounts, and seeking explanalions from you 8$ trustees oonceming any such matter5. The procedures undertaken do not prowde 811 the ewdence th8t wouid be required in an audit and cLJnwuentty no opinKJn is 9fj￿n as to whether the accounts present a knie and fair viow. and the report ts lirTht6d lo those mattèts set out in the statement below. Independent examlnorfs statsment In connedion with my examination. no matter h8s come to my attention.. (1) which glves me reasonabte cause to belith that in 8ny material respect the r8quirements'. to keep accounting records In 8ccordance wrtfi sethon 130 of the 2011 Act.. and to prepare ac£ounls which accord wrth the accounting records arKI comply with the accounhng ￿quIreMents oflhe 2011 Acl have not been mel". or (2) lo which. In my opinion, 8ttentlon shoukl te drawn In order to enable 8 proper understsnding of the accounts to be reached. sh￿et2 Pankhadwala Clo Lancaster D￿t￿"et CVS, The Cofnerstone Sutyard Street Lancaster LA1 1PX 08th January 2026.