**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

**(“the Charity”)** 

## Annual Report and Financial Statements 

for the year ended 30 September 2025 

(registered as a Charitable Incorporated Organisation in England and Wales: number 1210263) 

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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Contents** 

||**Page**|
|---|---|
|Legal and administrative information|3|
|Trustees’ report|4 - 5|
|Statement of trustees’ responsibilities|6|
|Statement of comprehensive income|7|
|Statement of financial position|8|
|Notes to the financial statements|9|



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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Legal and administrative information** 

For the year ended 30 September 2025 

**Charities registration number:** 1210263 (England and Wales) **Incorporation date:** 30[th] September 2024 **Governing document** : Constitution dated 30[th] September 2024 **Registered address:** Whissendine Suite, King Centre, Main Road, Barleythorpe, Oakham LE15 7WD 

**Website:** https://www.bridgewebs.com/rutland **Contact:** Secretary: tonylochery@yahoo.co.uk 

**Current trustees:** 

**Name Date appointed** P S Collins 30[th] September 2024 A F Lochery 30[th] September 2024 R J Merriman 30[th] September 2024 A J Ross 11th March 2025 

**Bankers:** 

HSBC plc 2-6, Gallowtree Gate, Leicester, LE1 1DA 

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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Trustees’ Report** 

## For the year ended 30 September 2025 

The Trustees present their first Annual Report and the financial statements for the year to 30[th] September 2025. The Rutland and Oakham Bridge Club (“the Charity”) is registered as a charity under Charity Commission reference number 1210263 and is currently managed by four trustees, assisted by a number of volunteers. 

The trustees confirm that the accounts comply with current statutory requirements and with the governing document. 

## **Incorporation** 

Rutland and Oakham Bridge Club has existed for many years but converted into a Charitable Incorporated Organisation (“CIO”) on 30[th] September 2024. Net assets of £3,805 were transferred to the charity from the previous unincorporated Rutland and Oakham Bridge Club. 

## **Charitable objects** 

The charity was set up to provide facilities for the learning, teaching and playing of bridge for the benefit of the residents of Rutland and the surrounding area with the object of improving conditions of life. In particular, the principal objective of the charity is to teach and encourage the playing of bridge to slow down mental decline and to provide a social setting for older people to socialise. 

## **Risk management** 

The trustees understand that they have a duty to identify and review the risks to which the charity is exposed, and to ensure appropriate controls are in place to provide reasonable assurance against fraud and error. The charity’s capital is principally held in bank accounts which the trustees regularly monitor. 

## **Review of the year** 

The financial statements have been prepared on a cash basis. 

Income of the charity is derived from bridge fees and subscriptions together with donations and related gift aid claims. Expenditure is primarily charges for rent and service room space and charges payable to the English Bridge Union. 

Income for the year totaled £17,797. Expenditure for the year totaled £7,852. 

Overall, a net surplus of £9,945 was reported for the year. 

Net assets, principally being cash at bank, totaled £13,750 as at 30[th] September 2025. 

During the year, expenditure of £13,638, primarily rent and service charges, was met by trustees (and their related parties) and not recharged to the charity. As these financial statements have been prepared on a cash basis, the donations and expenditure have not been included in these financial statements. 

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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Trustees’ Report (continued)** 

For the year ended 30 September 2025 

## **Reserves** 

It is the policy of the charity to maintain a balance of liquid funds equal to at least 9 months’ expenditure. As at 30th September 2025, the ratio was higher than target, at 20.5 months, but is expected to be more in line with targets by the end of September 2026: 

**2025** Cash and bank balances (see page 8) **£13,412** Expenditure for the year (see page 7) **£7,852** Funds held as a ratio of expenditure **20.5 months** 

## **Trustees** 

The following served as trustees during the period from 30[th] September 2024 up to the date of signing of these financial statements on 15th November 2025, serving throughout the whole period unless otherwise stated: 

_Current as at 15[th] November 2025 Resigned since 30[th] September 2024_ 

P S Collins (appointed 30[th] September 2024) A F Lochery (appointed 30[th] September 2024) R J Merriman (appointed 30[th] September 2024) A J Ross (appointed 11[th] March 2025) 

On behalf of the Trustees 

P S Collins - Trustee 

15[th] November 2025 

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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Statement of trustees’ responsibilities** 

The charity’s trustees are responsible for preparing an annual report and financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice). 

The law applicable to charities in England and Wales, and the provisions of the charity’s constitution, requires the charity’s trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources of the charity for that period. In preparing the financial statements, the trustees are required to: 

- select suitable accounting policies and then apply them consistently. 

- observe the methods and principles in the Charities – Statement of Recommended Practice (“SORP”). 

- make judgements and estimates that are reasonable and prudent. 

- state whether applicable accounting standards have been followed, subject to any material departures disclosed and explained in the financial statements. 

- prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in business. 

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity, and to enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed.  They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. 

On behalf of the Trustees 

P S Collins - Trustee 

15[th] November 2025 

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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Statement of comprehensive income** 

For the year ended 30 September 2025 

||**2025**|
|---|---|
||**£**|
|**Income (note 1)**||
|Player fees and subscriptions|12,126|
|Gift aid claims from HMRC|3,131|
|Teaching|1,695|
|Other income (including donations received)|845|
||--------------------|
||**17,797**|
||--------------------|
|**Expenditure (note 1)**||
|Room rental and service charges|5,891|
|English Bridge Union fees|1,066|
|IT related charges|421|
|Other expenditure (includes refreshments)|474|
||--------------------|
||**7,852**|
||--------------------|
||**-----------------------**|
|**Total surplus for the year**|**9,945**|
||==================|



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**Registered charity number 1210263** 

## **Rutland and Oakham Bridge Club** 

## **Statement of financial position** 

As at 30 September 2025 

||**2025**|
|---|---|
||**£**|
|**Tangible fixed assets (see note 1)**||
|Tables, chairs, sundry furniture|**338**|
|**Current assets**||
|Cash in hand and at bank|**13,412**|
||-----------------------|
|**Net assets**|**13,750**|
||==================|
|**Reserves**||
|At beginning of the year|**-**|
|Assets transferred from unincorporated bridge club|3,805|
|Total surplus for the year (page 7)|9,945|
||-----------------------|
|**Total reserves**|**13,750**|
||==================|



These financial statements, including the notes on page 9, were approved by the trustees and authorised for issue on 15[th] November 2025, and are signed on their behalf by: 

R Merriman A Lochery Trustee Trustee 

Charities number:  1210263 

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**Registered charity number 1196545** 

## **Rutland and Oakham Bridge Club** 

## **Notes to the Financial Statements** 

## For the year ended 30September 2025 

## **1 Accounting policies** 

## **Basis of preparation** 

The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard for Smaller Entities published on 16[th] July 2014, the Financial Reporting Standard for Smaller Entities (FRSSE) and the Charities Act 2011 and UK Generally Accepted Practice as it applies from 1[st] January 2015. 

The financial statements have been prepared on a cash basis. 

## **Going concern** 

The charity’s forecasts and projections show that the charity should be able to operate within the level of its current cash reserves. After making enquiries, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. The charity therefore continues to adopt the going concern basis in preparing its financial statements. 

## **Income and expenditure** 

Income represents fees, subscriptions and teaching revenues receivable from bridge players, donations (together with the associated claims for gift aid) and others, and are included in the financial statements on a cash receipts basis. 

Expenditure is included in the financial statements on a cash paid basis. 

## **Tangible fixed assets** 

Furniture and other sundry bridge club related fixed assets are included in the financial statements at cost and are not depreciated. 

## **2       Related party transactions** 

During the year, expenditure of £13,638, primarily rent and service charges, was met by trustees (and their related parties) and not recharged to the charity as follows: 

AF Lochery £10,233 

RJ Merriman £3,405 

As these financial statements have been prepared on a cash basis, the donations and expenditure have not been included in these financial statements. 

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