## **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.