## **Trustees’ Annual Report for the period ended 31[st] December 2025** ## **Objectives** The objectives of the Plymouth Bridge Club Charitable Incorporated Organisation are for the public benefit. (1) The enhancement of amateur sport by promoting the game of bridge for the benefit of the residents of Plymouth and the surrounding area. (2) the provision of facilities for the learning, teaching and playing of bridge for the benefit of the residents of Plymouth and the surrounding area with the object of improving their conditions of life. ## **Activities** Learning On Tuesday mornings / afternoons there is a relaxed session which combines both a learning and playing element. ## Teaching The teaching sessions for beginners and improvers are on Monday evenings with supervised play. ## Playing The club runs afternoon sessions on Mondays and Thursdays, an evening session on Fridays and an online session on Tuesday evenings and occasional sessions at weekends. All the bridge sessions are open to visitors who would like to play bridge. The club also hires out its premises for use by Plymouth Chess Club, Plymouth U3A and a local backgammon group. ## **Public benefit** The trustees have had regard to the Charity Commission s guidance on public benefit. ## **Volunteers** The club is run entirely by volunteers. Each learning and teaching session has a teacher and an assistant. Each playing session has a director and a scorer. All these volunteers are trained for their particular roles. The trustees are all volunteers and bring expertise from working life to their roles. Apart from the officers of the club trustees look after the building, the hiring of premises, the running of events at weekends and the set-up of bridge sessions online. ## **Accounts** The main income come from: ## Subscriptions The club has an annual subscription and claims gift aid on subscriptions paid by UK taxpayers. ## Playing sessions Table money from Monday, Tuesday and Thursday afternoons and Friday evenings in the club and fees for Tuesday evenings online. Teaching Teaching income from Monday teaching sessions. Hiring of premises Income from hiring of the premises by Plymouth Chess Club, Plymouth U3A and a local backgammon group. Interest The club has interest income from monies on deposit at the bank. ## **Achievements and performance** Playing bridge provides mental stimulation and some physical activity for the players. It is good for players’ well-being. It is also a very social activity with good friendships being formed. The club is very fortunate to have its own premises (donated by a former member) that can be used for its activities and others who hire the premises. ## **Financial review** The charity is in a good financial position at the end of the year with a small excess of income over expenditure (£1,434) and healthy cash reserves (£60,771). As the club owns its own premises healthy cash reserves are held to facilitate the maintenance of the premises in good condition over time. It also provides the club with funds to replace items of furniture and equipment as required. There are currently no reserves designated or committed at the end of the year. ## **Plans for future periods** The premises sub-committee has been looking at the possibility of moving elsewhere in Plymouth mainly due to parking issues and the safety of the area for players at night. The sub-committee has not yet reported back to the committee with recommendations but, at the present time, it is likely that the main decision will be to stay in our existing premises and make improvements there. The annual plan is based on making a small excess of income over expenditure. ## **Structure, governance and management** The governing document is a constitution dated 23[rd] September 2024. The charity is a Charitable Incorporated Organisation. Trustees hold office for one year and are elected at the Annual General Meeting. ## **Reference and administrative details** The name of the charity is Plymouth Bridge Club Charitable Incorporated Organisation. The charity registration number is 1210595. The address of the principal office of the charity is 1 Moor View Terrace, Mutley, Plymouth PL4 7EB. The trustees of the charity at the date the report was approved are: Jeremy Henderson (Chair) Mel Melville-Brown (Vice Chair) Allan Simpson (Treasurer) Andrew Carpenter (Secretary) Ailie Henry Steve Lacey Diane McGregor Gill Seymour Rachael Walters Other trustees who served in the period ended 31[st] December 2025 were: Bruce Foster Charles Greenlees Andrew Carpenter and Ailie Henry were trustees holding the title to the property belonging to Plymouth Bridge Club in the reporting period. The title has now been transferred to the charity. Plymouth Bridge aub ao - Chty•ity Commisson Register No. 1210595 INCOME and EXPENDrnlkE For Period 22nd October 2024 to 31st December 2025 Period ending 31st December 2025 INCOME Member Subscriptior F2F T¥)ble Mo BBO Royalities 51M Pairs Room Hire Teachi Money From Members. {Wrory Account) Misc¢llaMous Bonk Interest 1,982 13.876 I￿94 4.345 2.834 1.294 2.152 TOTAL INCOME EXPENI)rnIRE Premises Costs Rewirs a MainteMnc¢ EBU UMS and Anntd F¢¢ SIM Pairi Teachir9 Costs Softwarejcomputer Pianola/8riAnMAS Stationery Refrethmtnt$ & Cateriry Help rnsurance Members. to Mernbe￿ Aeeount Mi$¢ellaneo D¢￿e¢latIOn 10.873 2.733 2.689 381 474 3.666 l.T14 1,899 1064 -28.156 88.n3 RESERVES CARRIED FCIIWARD 90.167 PBC Aw)unts 22nd (kt2024 to 318t Dec 2025 PrN* Confrjentlal p8￿1 of2 Plwmuth Brld9e Club CIO . Charity con￿￿Sx￿ Refft 1210595 AcCoU￿r5 for the PERIOts 2a￿ Ocr0￿ 2024 TO 31ST I)E￿BER 2025 Flxd Asxts l knr Ter Property IMP￿¥￿Trehts Fi*iur¢s Ewiwnt 3.879 12.418 23,712 10,811 13,101 Bank Debt4Jrs 78 83.814 Qjyent ￿￿1￿5 Trode Creditors 511 ,771 ,117 Flx¢d Au¢ts: Land and buildirgs ond woperty imFYobwhents ¢w¢ r¢¢orded at historic cos* ond Mt rewjlued. Fixtw¢s wjipwnt ¢T¢ derrtciated at ¢itkL¢r IO% or 20% on a strat9ht lint basis. Th¢s¢ occounts ha￿ b¢¢n L¥amiTrxd. $e4 attached and wer¢ owoved by the bwd of tntytees on 23rd M¢r¢h 2026. Allan Simpson ACC(￿4￿22￿￿ Od2024 to 318t ￿21?25 PwJ82of2 Independent examinerfs report on the accounts CHARITY COMMISSION FOR ENGLAND AND WALES Section A Independeiit Examiner's Report Report to tho trustee81 member8 of Plymouth Bridge Club CIO On accounts for the year onded 31° December 2025 Charlty no (rf any) Set oirt on pages (&:Y2mDer io Inciuae in8 Daoe wrners 018duiDonai sn¢tP.tsi Re8pectlve re8pon8lbllltles of tru•tè•s and •xamln•r The tharty's Iwstees are responsibte for the preparallon of the accounts. The thartty's lJustses consider that an audit is not required for this yaar under section 144 of the Charities Act 2011 (kne Charrties Act.) and that an independent examinab'on is needed. rrhe Charity's gross income exceeded £250.000 and l am qualffj￿ to undertake the examination by being a qUaIrf￿ member of AAT. It is my responsibilty to: examine the accounts under section 145 of the Charbties Act, to follow the procedures laid down in the general Directlons given by the Charrty C(mmission (urKler sectlon 145(5)(b) of the Charftles Act, and to State whether partiojlar matters have come to my attentlon. Basls of Independent My examination was caffied out In accordance wlth general Dir•ctlon8 gNen examlnee8 Statsment by the Charty Commwlon. An ex8minatbon incI￿leS a revi&N of the accounting records kept by the tharity and a comparison of the accounts presented wlth those records. It aL80 indudes ¢on$ideratlon of any unusual items or disclosures in the accounts, and seeklng explanations from the trustses conceming any suth matters. The prttedures undertaken do not provide all the evidence that woukl b8 wuired in an audrt, and Consequenty no opinion is gr¥en as to wtrther the accounts present a 'true and fail view arKI the report is limited to those matters Set out in the statement below. Independent In connection with my examk)atlon, no matter has o)me to my att8ntlon examlnefs ststement lother than that disclosed below 1. which gives me reasonab￿ Cause to believ• that in, any matedal respect, the requirements: to keep a¢¢ounting records in a￿ordan￿ with section 130 of the Charities Act,. and to prepare accounts whlch accord with the 8¢countlng records and comply with the a¢countirKJ 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 urKlerstanding of the acoJunts to be rea¢hed. ' Please tslete th8 wDrds in the brackets rfthey do not apply. Slgned: 0￿0￿2026 IEB Name: NICOL4 HOOPER Relevant professlonal quallficatlon(s) or body (ff any): FMAAT Address: 21 CHERRYTREE CLOSE EXETER DEVON EX4 SAT Section B Disclosure Onty complete If the exami￿1 n*lsto hlthlltht materlal problems,(L& aC￿)Un￿ngrn￿rdB h•* notbwn kw In ao))rOan¢e w1th6132 ofthe Chartues, Ac¢ 20118nd thoseaccountsdo nOt￿)mpty TwlththewulTem￿tsQIthe2o08 RwlaUonss•ttlng0￿th•1¢rn) •nd ctsitentolcharftyarxounts., ony MIte￿al W￿dItUTe0radIQR •ppe•rsnottobt In I￿rdance wlth thetntstsolthe¢hotlty, any lallurntob•pmilded*lth Infonna￿On andey9￿n￿O$ byany postorpresenttnffjtee, offlceroT8mploye6,' •Thlanymat•rf•lcon8l#eybeiw•MtheaeMUbtsandth•tr￿t¢ls, •nnu•l r•potLI IER Glve here brlef detalls of any items that the examlner wlshes to dlsclose. IER **Independent examiner's report on the accounts** **Section A Independent Examiner’s Report** > **Report to the trustees/** Plymouth Bridge Club CIO **members of** **On accounts for the year** 31[st] December 2025 **Charity no** 1043456 **ended (if any) Set out on pages** 2 2 (remember to include the page numbers of additional sheets) **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 of the Charities Act 2011 (“the Charities Act”) and that an independent examination is needed. [The charity’s gross income exceeded £250,000 and I am qualified to undertake the examination by being a qualified member of AAT. It is my responsibility to: - examine the accounts under section 145 of the Charities Act, - to follow the procedures laid down in the general Directions given by the Charity Commission (under section 145(5)(b) of the Charities Act, and - to state whether particular matters have come to my attention. **Basis of independent** My examination was carried out in accordance with general Directions given **examiner’s statement** 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 the 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** In connection with my examination, no matter has come to my attention **examiner's statement** (other than that disclosed below *) 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; 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. - _Please delete the words in the brackets if they do not apply._ > **Signed:** Nicola Hooper **Date:** 06/03/2026 1 **IER** **Name:** NICOLA HOOPER **Relevant professional qualification(s) or body (if any):** FMAAT **Address:** 21 CHERRY TREE CLOSE EXETER DEVON EX4 5AT ## **Section B Disclosure** Only complete if the examiner needs to highlight material problems.(E.g. accounting records have not been kept in accordance with s132 of the Charities’ Act 2011 and those accounts do not comply with the requirements of the 2008 Regulations setting out the form and content of charity accounts; any material expenditure or action which appears not to be in accordance with the trusts of the charity; any failure to be provided with information and explanations by any past or present trustee, officer or employee; and any material consistency between the accounts and the trustees’ annual report.) 2 **IER** **Give here brief details of any items that the examiner wishes to disclose** . 3 **IER**