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2024-12-31-accounts

Charity registration number: 208733

Speedway Riders Benevolent Fund

Annual Report and Financial Statements for the Year Ended 31 December 2024

Speedway Riders Benevolent Fund

Contents

Reference and Administrative Details 1to2
Trustees' Report 3 to 6
Independent Examiner's Report 7
Statement ofFinancial Activities 8
Balance Sheet 9
NotestotheFinancialStatements 10to20

Speedway Riders Benevolent Fund

Reference and Administrative Details

Trustees

Secretary

S J Babb

Principal Office 2 Estuary View Victory Boulevard Lytham Lytham St. Annes FY8 5TU Charity Registration Number 208733 Bankers Santander Bridle Road Bootle Merseyside L30 4GB HSBC

2 All Saint Square Bedworth Warwickshire CV12 8LR

Co-op Bank Ple PO Box 12672 Harlow CM20 9QR

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Speedway Riders Benevolent Fund

Reference and Administrative Details

Investment Managers

St James's Place Wealth Management St James's Place House 1 Tetbury Road Gloucestershire GL7 1FP

M&G Charities Investments Limited PO Box 9038 Chelmsford CM99 2XF

Brewin Dolphin 12 Smithfield Street London EC1A 9BD

Independent Examiner

Helen Binns FCA Beever and Struthers One Express 1 George Leigh Street Ancoats Manchester M4 5DL

Page 2

Speedway Riders Benevolent Fund

Trustees' Report

The trustees present the annual report together with the financial statements of the charity for the year ended 31 December 2024.

Objectives and activities

Objects and aims

The objective of the fund is to aid Speedway Riders and ex-Speedway Riders who become injured or disabled whilst participating in the sport of Speedway and contracted to a British Club or representing Great Britain in International Events.

It helps in several ways by providing financial support to riders who are unable to race due to serious injury, both long and short term. Additionally, purchasing equipment for those suffering life changing injuries. Assistance is also given to retired riders who suffer consequences of injuries sustained during their career in Speedway.

The main income of the fund is raised from kind and generous donations by loyal Speedway supporters across the World. Collections in aid of the fund are held at every British Speedway Track throughout the season, complemented by other donations and fund-raising events.

One of the main fund-raising events associated with the SRBF is the Ben Fund Bonanza, generally held at the start of each Speedway season. This event always attracts a field of top riders and is supported by Speedway fans Nationwide.

Public benefit

In setting the objectives of the Charity and planning our activities the Trustees have given careful consideration to the Charity Commission's general guidance on public benefit. In determining the range and level of support available to eligible claimants, the Trustees endeavour to provide such assistance as can be provided to support Speedway riders past and present, and their families, to deal with a difficult situation.

The trustees confirm that they have complied with the requirements of section 4 of the Charities Act 2011 to have due regard to the public benefit guidance published by the Charity Commission for England and Wales.

Grant making policies

The Charity invites applications from individual riders and/or their dependents for injuries sustained whilst participating in the sport of Speedway. The Trustees assess each case individually and consider whether they qualify for support. A rider becomes eligible for support if they become injured from a racing accident and are unable to race for at least one month. Grants are given up to a maximum of six months and are reviewed on an individual basis for more serious cases. Riders who have suffered life changing injuries are given ongoing assistance based on their individual needs and requirements.

Page 3

Speedway Riders Benevolent Fund

Trustees' Report

Achievements and performance

The Trustees report that the Annual Fund- Raising Event, the Ben Fund Bonanza, was due to take place at Workington Speedway in March. However, the Event had to be cancelled due to inclement weather. The Event had attracted World Speedway Stars to participate, and a very large paying attendance was expected.

The Meeting was rearranged and held in July at the original venue, unfortunately many World Stars were unable to commit to that date. The consequence of this meant that the attendance was considerably reduced. Despite this, the Event raised £20k.

The Trustees continually look for additional fund-raising opportunities to boost funds.

We can also report that Grants totalling £121,817 were gifted to 33 Beneficiaries. This compares to £137,028 in 2023 to 42 Beneficiaries. There were fewer accidental injuries requiring assistance, but grants were given for more serious injuries requiring longer support.

We continue to make Home Welfare Visits to our long term injured or disabled.

The level of income decreased from £349k in 2023 to £179k in 2024. This was due to the receipt of fewer Legacies in this period. The Trustees can however, report that there is now a steady increase in the number of pledged Legacies for the future.

Club Track Collections remain a vital source of income, with £24.3k being raised during the year compared to £26.5k in 2023. Two Clubs ceased to operate hence, the slight decrease.

Following on from a trial in 2023 we continued our relationship with British Speedway Network (a live streaming programme) and their support has created exceptional marketing opportunities for us.

We have also been supported by individual fund-raising events such as Sponsored Cycle Rides and Walks.

Despite the difficult Financial Climate, our investment portfolio has performed reasonably well. The Trustees are constantly monitoring the Investment situation.

Financial review

Policy on reserves

The Trustees aim to maintain free reserves in unrestricted funds at a level which equates to approximately a quarter of total expenditure. The Trustees consider that this level is sufficient as they have a seven day notice period to the investments held in case of urgent need to release additional funds.

The balance held in unrestricted reserves at 31 December 2024 was £1,904,865 (2023: £1,765,130) of which £1,764,916 (2023: £1,549,233) are held in investments therefore leaving £138,996 (2023: £215,897) in free reserves, The amounts held in investments are maintained at a sufficient level to ensure the income is derived from the Charity’s investments together with the other sources of income to maintain the level of support to those entitled to such assistance for the foreseeable future.

The current level of free reserves is currently higher than the aimed level and the Trustees will review this during the current year to ensure they are reduced.

Page 4

Speedway Riders Benevolent Fund

Trustees' Report

Investment policy and objectives

The day to day management of the Charity’s investments is carried out by the Trustees. The Trustees are responsible for selecting appropriate investments to provide both income and capital growth. This year Brewin Dolphin were recruited for an additional investment portfolio.

Investment policies of the funds continue to be the pursuit of real growth through a wide range of investments coupled with a low risk, high return on certain cash investments and Government stocks. The investments have performed in line with expectations in the year.

Structure, governance and management

Nature ofgoverning document

The Fund was established under a Trust Deed executed on 3 November 1948, updated in 1991 by a deed of variation and updated in February 2019.

The Trust Deed sets out the provisions of the Charity for appointing and removing Trustees from office. The Fund was originally set up by two members of The Speedway Control Bureau (part of The Auto-Cycle Union Limited).

The Charity is controlled by its governing document, a Deed of Trust, and constitutes an unincorporated Charity.

The Trustees who have served during the year are set out on page 1. They meet regularly to assess the grant applications and to approve or refuse applications and to discuss the Charity's financial performance in addition to exploring new marketing opportunities.

Major risks and management of those risks

The trustees have reviewed the risks facing the charity. This involved identifying the types of risks the Charity faces and identifying any means of mitigating those risks. As part of this process the trustees have reviewed the internal controls and systems and have been identified to mitigate those risks.

Statement of Trustees' Responsibilities

The trustees are responsible for preparing the trustees' report and the financial statements in accordance with the United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) and applicable law and regulations.

The law applicable to charities requires the trustees to prepare financial statements for each financial 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 these financial statements, the trustees are required to:

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Speedway Riders Benevolent Fund

Trustees' Report

Statement of Trustees' Responsibilities

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the constitution. The trustees 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.

The annual report was approved by the trustees of the charity on 7 August 2025 and signed on its behalf by:

P Ackroyd

Trustee and Chairman

Page 6

Speedway Riders Benevolent Fund

Independent Examiner's Report to the trustees of Speedway Riders Benevolent Fund

I report on the accounts of the charity for the year ended 31 December 2024 which are set out on pages 8 to 20.

Respective responsibilities of trustees and examiner

The trustees are responsible for the preparation of the accounts. The 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.

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 next statement.

Independent examiner's statement

In connection with my examination, no matter has come to my attention:

have not been met; or

Helen Binns FCA

One Express

1 George Leigh Street Ancoats Manchester M4 SDL

8 August 2025

Page 7

Speedway Riders Benevolent Fund

Statement of Financial Activities for the Year Ended 31 December 2024

Unrestricted Unrestricted
Total Total
2024 2023
Note £ £
Income and Endowments from:
Donations and legacies 2 130,218 288,475
Charitable activities 3 22,488 34,354
Othertrading activities 4 - 1,276
Investment income 5 26,346 24,978
Total Income 179,052 349,083
Expenditure on:
Raising funds 6 (29,816) (21,389)
Charitable activities 7 (155,612) (149,239)
Total Expenditure (185,428) (170,628)
Gains/(losses) on investment assets 146,111 114,060
Netmovement in funds 139,735 292,515
Reconciliation offunds
Total funds brought forward 1,765,130 1,472,615
Totalfundscarriedforward 17 1,904,865 1,765,130

All of the charity's activities derive from continuing operations during the above two periods. The funds breakdown is shown in note 17.

Page 8

Speedway Riders Benevolent Fund

(Registration number: 208733) Balance Sheet as at 31 December 2024

2024 2023
Note £ £
Fixed assets
Tangible assets 12 953 -
Investments 13 1,764,916 1,549,233
1,765,869 1,549,233
Current assets
Stocks 14 553 63
Debtors 15 90,370 109,607
Cashheld with Investments 18,890 103,019
Cash atbank and inhand 31,544 49,732
141,357 262,421
Creditors: Amounts falling duewithin one year 16 (2,361) (46,524)
Net current assets 138,996 215,897
Net assets 1,904,865 1,765,130
Funds ofthe charity:
Unrestricted income funds
Unrestricted funds 1,904,865 1,765,130
Totalfunds 17 1,904,865 1,765,130

The financial statements on pages 8 to 20 were approved by the trustees, and authorised for issue on 7 August 2025 and signed on their behalf by:

P Ackroyd Trustee and Chairman

Page 9

Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

1 Accounting policies

Statement of compliance

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 applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019) - (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

Basis of preparation

Speedway Riders Benevolent Fund meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy notes.

Going concern

At the time of approving the financial statements, the Trustees have a reasonable expectation that the Charity has adequate reserves to continue in operational existence for the foreseeable future. Therefore the Trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

Income and endowments

Voluntary income including donations, gifts, legacies and grants that provide core funding or are of a general nature is recognised when the charity has entitlement to the income, it is probable that the income will be received and the amount can be measured with sufficient reliability.

Donations and legacies

Donations and legacies are recognised on a receivable basis when receipt is probable and the amount can be reliably measured.

Investment income

Dividends are recognised once the dividend has been declared and notification has been received of the dividend due.

Expenditure

All expenditure is recognised once there is a legal or constructive obligation to that expenditure, it is probable settlement is required and the amount can be measured reliably. All costs are allocated to the applicable expenditure heading that aggregate similar costs to that category.

Raising funds

These are costs incurred in attracting voluntary income, the management of investments and those incurred in trading activities that raise funds.

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

Charitable activities

Charitable expenditure comprises those costs incurred by the charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them, for example with Home Welfare visits.

Grant expenditure

Grants are recognised in the Statement of Financial Activities when conditions attached to the grant award are met.

Support costs

Support costs include central functions and these are allocated to the activity to which they relate.

Governance costs

These include the costs attributable to the charity’s compliance with constitutional and statutory requirements, including audit, strategic management and trustees’s meetings and reimbursed expenses.

Taxation

The Charity is exempt from tax on its charitable activties.

Tangible fixed assets

All fixed assets are initially recorded at cost.

Depreciation and amortisation

Depreciation is provided on tangible fixed assets so as to write off the cost or valuation, less any estimated residual value, over their expected useful economic life as follows:

Asset class Depreciation method and rate Equipment 25% straight line

Fixed asset investments

Fixed asset investments are included at market value at the balance sheet date. Realised gains and losses on investments are calculated as the difference between sales proceeds and their market value at the start of the year, or their subsequent cost, and are charged or credited to the Statement of Financial Activities in the period of disposal.

Unrealised gains and losses represent the movement in market values during the year and are credited or charged to the Statement of Financial Activities based on the market value at the year end.

Current asset investments

Current asset investments are included at the lower of cost and net realisable value / market value.

Stock

Stock is valued at the lower of cost and estimated selling price less costs to complete and sell, after due regard for obsolete and slow moving stocks.

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

Debtors

Debtors are recognised at their settlement amount, less any provision for non-recoverability. Prepayments are valued at the prepaid amount.

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Fund structure

Unrestricted income funds are general funds that are available for use at the trustees's discretion in furtherance of the objectives of the charity.

Financial instruments

Classification

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments.

2 Income from donations and legacies

Unrestricted
funds
Total Total
General 2024 2023
£ £ £
Donations and legacies;
Donations from individuals 52,577 52,577 75,388
Legacies 77,641 77,641 213,087
130,218 130,218 288,475
Unrestricted
funds
Total Total
General 2024 2023
£ £ £
Benevolent fundbonanza event 22,488 22,488 34,329
Sale ofgoods - badges, calendar andjackets - - 25
22,488 22,488 34,354

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

4 Income from other trading activities

Other income from other trading activities

----- Start of picture text -----
||| |---|---| |Total|Total| |2024|2023| |£|£| |-|1,276| |-|1,276|

----- End of picture text -----

5 Investment income

----- Start of picture text -----
|||||||||| |---|---|---|---|---|---|---|---|---| |Unrestricted| |funds| |Total|Total| |General|2024|2023| |£|£|£| |Interest|receivable|and|similar|income;| |Other|interest|receivable|1,865|1,865|1,021| |Other|income|from|fixed|asset|investments|24,481|24,481|23,957| |26,346|26,346|24,978|

----- End of picture text -----

6 Expenditure on raising funds

a) Costs of generating donations and legacies

Unrestricted funds

----- Start of picture text -----
|||||||| |---|---|---|---|---|---|---| |Total|Total| |General|2024|2023| |Note|£|£|£| |Legal|fees|1,520|1,520|-| |Allocated|support|costs|8|13,739|13,739|3,911| |15,259|15,259|3,911|

----- End of picture text -----

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

b) Investment management costs

Unrestricted
funds
Total Total
General 2024 2023
£ £ £
Other investment management costs;
Other portfolio management costs 14,557 14,557 17,478
14,557 14,557 17,478
Total expenditure on raising funds
Total Total
2024 2023
£ £
Costs ofgenerating donations and legacies 23,059 3,911
Investment management costs 14,557 17,478
37,616 21,389

7 Expenditure on charitable activities

Unrestricted
funds
Total Total
General 2024 2023
Note £ £ £
Benevolent fundbonanza event 14,370 14,370 5,040
Grants to individuals 121,817 121,817 137,028
Allocated support costs 8 14,575 14,575 1,566
Governance costs 8 4,850 4,850 5,605
155,612 155,612 149,239

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

8 Analysis of governance and support costs

Support costs allocated to raising funds

----- Start of picture text -----
|||||||| |---|---|---|---|---|---|---| |Total|Total| |Basis|of|2024|2023| |allocation|£|£| |Administration|costs|Direct|13,740|3,911| |Support|costs|allocated|to|charitable|activities| |Total|Total| |Basis|of|2024|2023| |allocation|£|£| |Administration|costs|Direct|14,575|1,566| |Governance|costs| |Unrestricted| |funds| |Total|Total| |General|2024|2023| |£|£|£| |Independent|examiner|fees| |Examination|of the|financial|statements|2,279|2,279|2,250| |Trustees|remuneration|and|expenses|2,571|2,571|3,355| |4,850|4,850|5,605|

----- End of picture text -----

9 Trustees remuneration and expenses

No trustees, nor any persons connected with them, have received any remuneration from the charity during the year. During the year travel expenses were paid to six trustees totalling £8,936 (2023: six trustees £5,387).

Also included in travel expenses are amounts paid to trustees to attend charity evenings to receive donations and trustees have began to perform welfare visits to injured riders and travel expenses are claimed back.

10 Independent examiner's remuneration

----- Start of picture text -----
||||||| |---|---|---|---|---|---| |2024|2023| |£|£| |Examination|of the|financial|statements|2,279|2,250|

----- End of picture text -----

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

11 Taxation

The charity is exempt from tax on income and gains falling within section 505 of the Taxes Act 1988 or section 252 of the Taxation of Chargeable Gains Act 1992 to the extent that these are applied to its charitable objects.

12 Tangible fixed assets

12 Tangible fixed assets
Furniture and
equipment Total
£ £
Cost
At January 2024 742
Additions 1,204 1,204
At 31 December 2024 1,946 1,946
Depreciation
At January 2024 742
Charge for the year 251 251
At 31 December 2024 993 993
Net book value
At 31 December 2024 953 953
At31December2023 3 7

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

13 Fixed asset investments
2024 2023
£ £
Investments 1,764,916 1,549,233
Total
£
Cost or Valuation
At January 2024
Revaluation 116,430
Additions 1,157,765
Disposals (1,058,512)
At31 December 2024 _1,764,916
Net book value
At 31 December 2024 1,764,916
At 31 December 2023 1,549,233
2024 2023
Investments atmarket value comprised of: £ £
Equities 1,367,515 1,102,018
Bonds 73,456 73,076
Cash or cash equivalents 68,005 56,648
Fixed interest 212,278 275,980
Alternate Investments 43,662 28,815
Absolute Return - 12,696
1,764,916 1,561,929

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

14 Stock
2024 2023
£ £
Stocks 553 63
15 Debtors
2024 2023
£ £
Prepayments 248 258
Accrued income 5,736 80,848
Other debtors 84,386 28,501
90,370 109,607
16 Creditors: amounts falling due within one year
2024 2023
£ £
Other creditors - 44,193
Accruals 2,361 2,331
2,361 46,524

In the prior year creditors above there was monies due to one of the speedway riders, held as custodian trustee, this has now been returned.

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

17 Funds

Balance at
Balance at 1 Other 31
January Incoming Resources recognised December
2024 resources expended _ gains/(losses) 2024
£ £ £ £ £
Unrestricted funds
General 1,765,130 179,052 (185,428) 146,111 1,904,865
Balance at
Balance at 1 Other 31
January Incoming Resources recognised December
2023 resources expended _ gains/(losses) 2023
£ £ £ £ £
Unrestricted funds
General 1,472,615 349,083 (170,628) 114,060 1,765,130
18 Analysis ofnet assets between funds
Unrestricted
funds
General Total funds
£ £
Tangible fixed assets 953 953
Fixed asset investments 1,764,916 1,764,916
Current assets 141,357 141,357
Current liabilities (2,361) (2,361)
Totalnetassets 1,904,865 1,904,865

19 Related party transactions

There were no related party transactions in the current or prior year.

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Speedway Riders Benevolent Fund

Notes to the Financial Statements for the Year Ended 31 December 2024

20 Prior Year Statement of Financial Activities

Unrestricted Total
funds 2023
Note £ £
Income and Endowments from:
Donations and legacies 2 288,475 288,475
Charitable activities 3 34,354 34,354
Other trading activities 4 1,276 1,276
Investment income 5 24,978 24,978
TotalIncome 349,083 349,083
Expenditure on:
Raising funds 6 (21,389) (21,389)
Charitable activities 7 (149,239) (149,239)
Total Expenditure (170,628) (170,628)
Gains/(losses) on investment assets 114,060 114,060
Netmovement in funds 292,515 292,515
Reconciliation offunds
Total funds brought forward 1,472,615 1,472,615
Totalfundscarriedforward 17 1,765,130 1,765,130

Page 20