2025-03-31-accounts

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Trustees. Annual Report for the period P10d rt dale Period eTrJ d Year 2024 Yr 2025 01 To 31 03 Section A Reference and administration details Charity name Card, Cople & Eastcotts Charty Other namos charity Is known by Reglstered charity numbor (IF any) 210585 Charivs principal aldre 30 Waler End MK44 3TY Nam08 of the charity trusto•¥ manage tho charlty Tn¥ts• Offl¢• {rf •ryl D•ts8 •ctrd IfnotftyTo Mmm• of p•rnon lor body) oThllll•d oint trtr• rfn Southill Estate St Mary's Cardington Cardington Parrsh Council Cardinglon Parish Councll Cople Parish Coun¢il Cople Parish Council ShOrtSt(n Parlsh Councll SIK)rt8tthYn Parish Coun1 Bedford Borough Coun¢illor Cotton End Parish Council Cotton End Parlsh Council Charles Ihrtbread Rev Fr Paul Messam 1%.03.08 le22 Ex Offtv) Cardington PC Rep Cardingl(M PC Rep C(W6 PC Rep Councillor Councilkx Cn¢1110r B(gh Councilkx Councillor Cotton End PC Rep Alan Apling Alan Nothard Le81ey Cde DavKI Sm811 Paul Goss Colin Caborn Leigh Coombs Ange& Stimps Vanessa Holland 01.09.05 14.01.15 18.03.13- 03.10.24 15.07.19 09.11.20 05.(.23 29.(E.23 11.07.19 14.01.25 10 12 13 14 15 16 Names of tho tru8to08 for tho charlty, If any, (for example, any custodlan tntee8) Nam• Dates acted rf not for thole The Charty is the cust(x#ran of eKJht L1 (R) 210.585. AJ1 Nam•s and addresses of advlsern (Optional Infonnth) TAR Klarch 2012

of advi8er Addr•ss Name of chief executive or names of senior slaff members (Opllonal Infonnation) Section B Structure. overnance and mana ement Descrlptlon of the charity's Ints L1(R) 210.585. AJ1 Scheme induding apponkn of Ttee9 vesting in Official Cuslodian for Charrtjes Type of goveming durnet How the charity is constituted g Irusl, Trustee selection method8 Ex4)fficio Truste• Rev'd Fr Paul Messam. Team Rector, Elstow Abb8y & Elstcml Mintsty. AssBtsnt Area Dean of Bedford Nominallv• Trwte Bedford Bwh Council {1 > Cardington Partsh Courtil (2) Cople Parish Cwncil12) Eastcotts Pansh Council (2) Cotton End Parish Council (2) Cowoptalive Tntee$ - peTlS residing or carying on business in or near the area of benefft {2) Charfes Vthrtbread twe Tru&88 sh811 be entitkd to hold office for lrfe Addltlonal govarnanc•18su•• {Optional Information) You may choo8• to include The Chanty is a mwnber of the Almshouse A8sociatson addrtK)nal infom)ation, where relevant. about". pjlicies and procedures pted for the inductxjn arKI training oftrustees., the charity's organisalK)nal structure and any wider network wrth which the chanty Trustees are nnInated ty kxal Parish Councils, Cartling. Cople, Cth)n End and ShortstCAvn. Trustee rn)gs were held quartety in St Mary's Church. • relationship with any related parties: . trustees, consideration of major nsks and the system and procedures to manage them. Annual prOrty inspectMs take pe ty Trustees and Clerk 5 year electrKal inspect$ are carried oui ty cornmercial ethians. Annual inspectTh) ol smoke alanns are inspethj by one nomtnated Trustee and Cknk. All properties have smoke *arn COnnted to the mains TAR March 2012

Section C Ob ectives and activities Summary of the objects of the charity set out in its goveming d¢xument Cardlt. Cople & Eastcotts Clwty is the Ola[ Custojian of 8 ChaTFties as listed in the Charivs Constitution. The eight ¢haDties relate to the 8 Almshouses situated in the Partsh ot Cardinglon. B&Jfordshire. Summary of the main aetiVFlies underlaken for th• public benefft In relation to these objects (include withln this sectlon the ststutory declaratlon that trustees have had regard to the guidance issued by tho Charity Commission on publk benefftl The qualifKation of almspeople-The alrnspeople shall be poor pet3ons WIK) (excepl in speual cases to be approved by Ihe CommisSne[s) are fesKlent in tr* area of benefft at the b'me of appoinlmenl. infornial interview. Ttrw we also required to sign and abe by the Resmlents are wuyed to pay a weekty Maintena contribution (Il¥fvlC). This Contribut goes t(wards the maintenance, upkeep. and management of the 8 pro[. The wnAC is rev each year it8 frrxn the Valuation Office A en Addlllonol d•taFls of objecliv•s and acllvi16es (Oplional Infornialion) You may ¢Iose to include further statements, vthere relevant, aty)ut: cy on grthn&king; polw programme related investment; contribution made by volunteers. Section D Achievements and performance TAR March 2012

Section D Summary of tho main achievthiwnts of the charity durlng the year Achievements and performance Section E Financial review Brlef Statement of tho eharlty's policy on rewvos Emergew Repay Furhl (ERM) Inveslmènts relakng to the ehwiti88. listed in the c(¥tItUtion. Cyclical Ma4)tenance FuThl (CMF) in Savings A(wunt Rcxrtine Maintenance Fund {RMF) LKIUKlity Manager Accwnt Almshcwse Loons D•talls of any lund• niatwwly In deficft (xrt8tandwYJ at yw end 31 Mwch 2025 £28.875 Loan 118st repaYMrt 24 June 2028 Loan 2 last re[Wm 15 April 2032 Furthor financhl rnvlw detall• (OpllLNwI infomth) You may choo•e to indude add[tn81 infrynth, where relevant about. the charws s[ce$ of fvndg (induding any fundraising)" h(w expendire ha8 supported the key objective8 of the chty,' investment wlicy objectNes including ethical inveslment lcY are revwd annually using the VOA to establish equivalent fair rent. a monthiy basis ty £50 rw Chty. •1 additbjn lo £150 per month to the Emergenry Repar Fund). TAR arth 2012

Section F Other optional information Section G Declaration Th• trusto86 declare that th•y h•vo approved the tru8tgM' r•port abov•. Slgned on behall of th• charhy'• trustees Signaturel•) Full namel8) Posltlon {eg Secrotsry, Chair. Sandra marg Ththr Clerk to the Tnistees TAR March 2012

CARDINGTON, COPLE & EASTcorrs CHARITY ANNUAL REPORT & ACCOUNTS YEAR ENDING 31 MARCH 2025 CHAIRMAN OF THE TRUSTEES MRS LESLEY COLE 24 Woodlands Close Cople, Beds MK44 3UE Appolntad 15 S•pt•nb•r 2015- 3 oct0tr 2024 ACTING CHAIRMAN MRALAN APLING Appolnt•d IS Octobor 2024 CLERK TO ThIE TRUSTEES Al Sandra Thacker 30 Water End

TRUSTEES OF THE CHARITY CO OPTATIVE TRUSTEE Mr Charles Wthrtbread Scxrthill Patk Bwk5w*, SG18 gLL EX OFFICIO TRU8TEE The Rwerend Father Paul Mes8am Rector. Elstow Abb•y & Elstow Team Mlni•ty Assistant Area Dean of Bodft)rd 14 June 2022 NOMINATED TrUSTEE BEDFORD BOROUGH COUNCIL Councillor Lolgh Coomb8 29.0&23- 28.6.Zl CARDINGTON PARISH COUNCIL MT Alan 8 Yeomans Gate Cardington MK44 3SF Appolntod 01.0921 - 31.0825 Mr Alan Noth8rd 10 Yecm)an8 Gate Cardingion MK44 3SF Apnt 010723- 02.07.27 COPLE PARISH COUNCIL Mf8 Lesley Cole 24 Vdo(xllands Clo8 Cople MKH 3UE Appolnt•d 18.03.21- 17.0325 Dr D8vMI Small 29 Watsr End Cople MK44 3TY Aponted 12.05.23- 11.05. 27 COTTON EIID PARISH COUNCIL 7 Manor Way Cotton ErKJ Bedft)rd MK45 3AH AppOIn 10.0723- (19.0727 MI Vw•o8sa Holland 30 De Haviland Avenue ShortstfA¥n 8edford MK45 3BF Appolntod 1&0125- 13.01.29 SHORTSTOVIN PARISH COUNCIL Mr Colin Cabcxn 253 Old HarTThth Ro1 Harrrwden 2 Charnberfain W SIrtStl MK42 OTB Appolnted 0&0623-0627 MK42 OGN App0d O1124.11.28

ALMSHOUSES THE GREEN AIK44 3TE No 1 The Green Constructed 1780 Sum Sured £292.6H Listed Gr11 Remstatement costs £246,344. No 2 The Groan Construrt&l 1780 Sum £329,914 Listed Bulding Grade Reinst8tement C$1S £277.718.IX) Occupd frrffi 8 2022 No 3 The Gr•on Construthd 1780 Sum insured £285. 742 Budding Grade ll Reinstat8ment o)sts £240.534.00 Oco)pd frr%n 01 W 2017 No 4 The Gr•on ConstnKled 1780 Sum insurnd £305.C Lthj Gr8dè11 fr(xn 1 September 2014 JUBILEE coAGEs AIK44 3SH No 1 JubilwCotlag•s construct 1978 Sum InSUd £184, 132 R8lnst8t8M t>)sts £181,000.00 ocald 20 Pyil 2015 P40 2 JubH•• Cottag Constructed 1978 Sum Inwled £184.132 Reiithtement c¥)sts £181.000.(X) from 25 Ftbnwy 2022 SOUTHILL ROAD IJK44 3SZ No 1 Southill Road Constructed 1830 Sum Insurnd £215,018 ¢knipd ff(yn 15 septnber 2024 No 2 8outhlll Road ConstructeA 1830 InsuKed £215.018 NB Rebld u)8ts as per Roiknon & Hal Jarnwy 2023. Next vll 2026

CARDINGTON COPLE AND EASTCOThS CHARITY Yw End 31 March 20 Finan Balance at Bank at 31 March 2025 Balance Reserve Fund at 31 March 21Y25 Balance at Vwgwi Savin99 Acc% BalarK£ at Liquidty Manager Ac(xwnt £3.535.81 RrtIne Mainknance Fund {RMF) £20.246.55 £10.836.35 CydKal Fund {CMF) £43,387.39 Loan 1- Repayrnent is £1,312.50 at six intervals vi ju WKI December by starKllng Loan 2~ Repwiment 16 £1.312.50 to be pa#J at six nM)nthty inteThals in Ocaob8r and Aprll each yoor. 0918nd at yegr WMJ. £19,687.50 IA&G Investment• as at 31 March 2025 Investments currenty stsnd at- £42.624.03 Inves1n n(kn requ*al for Wrthd>. - wilhin thi8 fyufe15 £13.622.32 Emwgw Repair FuThJ (ERFI. to the InVeStn Fund. Tirtal hwe8ted #i M&G this financi81 year £6,000. ReseNes Accounl. Monies over and above this amount are to be depogiw in the 95 day notice Repalrs, Malntenanc• and Refurt)18hmont Co•ts. for 8 Almshou•M for the year endl 31 March 2025 tfAalled £22,257.03 During 2024 cne wopth t)ecane vacant and was in the areas of the Charity Stheme. Clerk to the Trustee8 Cariliiw CO8 & Ea8toXts June 2025

MaY¢h 2024 2025 6.557.32 6,557.32 7,75662 7.753.00 IMAC 4 The Green 8.976.66 WAC No 1 Jubilee Collagej 8,046.88 WIIK No 2 Julxlee Cotr 7.800 00 IWC 1 Southill Ro•J 6,600.00 WMC No 2 SoLrttwll Road 100.00 58.147.78 WC 1 The Green 7,080.60 7.080.LK) 8.458.66 8.647 7.250.00 8264.66 4.125.50 8,251.) 5.250.00 1751 1221.65 6,801.36 316 41 440 00 2.397.80 752. 2.663 37 3,356.80 1.276.13 Propty 6.531.92 Cle8 Salary aThJ PAYE 2.18820 2,513.20 3.702.60 3,273.20 288.00 Repalr5 aThJ No 1 The Gre Rtyairs and Martenance No 3 The Green Rewrya a1 Mawttenance No 4 The Gre•n 1,776.80 1,225 80 248.00 Rtyairs Maintenarte No 2 Jutrfl¢• 5T1.95 7.234.4b Repair8 *KI Mak)tenae No 2 SJthl 270.00 Jthlee Cw 2,579.98 270.00 935 28 8.000.00 35874 Funds lo M&G Investsrwts 8,(¥)).00 28M3 26197

STATEMEKf OF ASSETS & UABILMES ASS5 Hall prOrtY R•IlId figurw. 12 May 2023 in•uvod to insur•d to Jun• 2024 Jun• 25 246.344.00 1 The Green 277.718.00 2 Tr Green 240,534.00 3 The Green 256.802 00 4 The Green 155.¢0.00 1 JUW Collage5 155.000 00 2 J[llee Ccrttages I81,(K.00 1 Southiu Road le1,Cth. 2 Road Land 1.2 Jthlee Cotia 283.295.00 319,375. 276,614.00 295,322.00 178.250.(KI 178,250 00 208.150.00 208.150.CA) 292,644.00 329,914.00 285,742.] 305,067.00 184.13100 184.132.00 215.018.00 215.018.00 1.00 1,693.398.1)0 Tol•lJ 47W.00 1011,668.00 N•xt r•ln•tatsm•nt M&G Inve8trTvts as at 314ar.24 31r-25 Valu• u at 31 IArch 24 & 2025 3.168.34 3,257.74 3,184.62 3,009.43 3.145.30 4.197.64 3,107.37 11.03000 ¥160A4 3.997.65 4.093.25 4.015.06 3,891.88 3,973.02 5,098.40 3.932.45 13.622.32 42 624.03 HUrnp H•l#n Rev Mwjrice Fwrel 4.218.44 10.046.04 20.465 $0 25.294 04 3,535.81 20.246.55 10.836.35 43.387.39 LKiuidity Ant -2,625.(M) -2,625. -2,625.00 -2.625.00 -11.812.50 -a31250 -9.187.50 -19,687.50 TOTAL ASSEf VALVE mln Liabiliti 024528.96 2.09¢173.13

TOTALS LMay-24 13 Vatualk)n 2&May-24 19 Repe rtt>flla&lMrvJ 24.Jun-24 36 relesS ala1 t8sl8wik 10.80 144 Ctl 57& 24 88 Garden ¥&ryk. dram rwjw & Ffnth drwii &Nov.24 95 Rat prcthm atfTonl of prwwty 17.Oetr24 109 Toikt fflush r 21-Mar.25 132 Val0 Olfv 180. 155. 18. 22-May-24 17 Repkwx rwf f•stsrvJs 24JurF24 38 Tel$ alann 1081 s¥nb FAuk24 4S Toilet repo 7-Ay24 56 Rty)Ixrnt ban ty 144.lyj 104. 114.LM) 762.00 3(th1oy.24 13 V4tyJab)n Off• 2W8y.24 20 Rop roJffla•hrys 1080 7.(0 1>S•ty24 88 front aTrJ rw I>S8p24 69 Front t1 reF4Ac•Y 1KI.fXI 227 LKI $F•29 123 motr 214lar-25 132 Cff 30.57 18. 2,663.37 2Ml8y.24 21 rr#)fll&•tMr 47S iXI IU1-24 17-Juk24 49 R•pl•J poli 70.(X) 210 (XI 168.IXJ 39J.CK) I(.((1 113 424 rAI 1W24 77 Clèar rTh)u arnl tr08t u24 e1 Trte Pru by the 9 1-Niw.24 94 RP rKe 1W.CI) 3,356.80 3LLMay.24 13 V•K4iKsn lJTr* 10.80 144. 18.00 214dar-25 132 Vdvation Offic• 1776.BO 3Way.24 13 Valuaon Cffte 10.wj

TOTALS 1.( 144.Cl) 1S5.O) 24-Jun-24 36 Wire185s alaffn test swil( 31-Jul-24 Dralns flusld ep24 65 Treaknj shed 24 81 AFtre&reed 27-Jan-25 122 R8pIwxtwrt kikkn t4)8 . 11.F2S 124 Redsho 21-Mar.25 132 Vaiualwjn 01 140.LX) 18.(Kl No 1 Southill RoAd 12Api.24 03 Roof Repa¥s 14-May-24 12 Gfassa 3(May.2 13 vUal0 fJF¢• 3CkMay.24 22 Gr168 eutr 31-Moy-24 23 7dunw24 24 11Jun-24 25 Car 17-jw24 33 Moss R¥1 12.Jun-24 28 RthcwaiKn 2Jun.24 38 alonn 1&JurF24 38 t)o•p dbAn 22Jun-24 41 Gra88 artllng 5-Juk24 Elgctnc &'ll 270.(YJ 10.BO 1&38 270.LXI 3.59) 144.CJ 240. 41.48 24 SS EctriC e41 &Autr24 57 D•hwrn¢ 149.98 17.S8P-24 70 EWie 2>S•p-24 72 In8W èxknwl •lk F 175.IKS 124 TT Treatsd fkny br¥•t refu ft1 124 7T Palnt repa¥ ballwon r•paw 21.84 114)ct.24 83 Repl[nI •hM 174Lt.24 86 Elxtnc 10.25 120.rKI 97.50 162. 2&Nov44 102 R•pl#cwJ rogr ••DJnty I825 117 Melw• 2ar.25 137 Fronlwal. holos fil•d pthtsd 21441ar-2S 132 Vakthn Offi(¥ 122 50 18.1)0 124y-24 03 ROOF R•p•'rB 12rt-24 28 Canad wal8 tr•alxl 17-Jiffikn24 33 M8 Rno¥al 270.C(I 144 IXI 610.C•) 1Wep24 78 ak t4 & kitel 3CHTrI.24 93 Cknn treat shad 120.( 2Mov.24 96 Pntry 04w at trrrfrtcéw(wty 214etrtr25 129 CP*¢kru ¥¥J $bJ>3# 2Mlar.25 137 FrTrtt wall. fijbed in arA1 122.50 139.98 2.579.98

Jubll•• Car P r.24 (r2 Gra88OAtiTr3 1-May.24 10 Gr888 (¥1ts 14-May-24 12 Gr855 vthbng .24 22 Grass 3Ul24 41 l>ass 2tJu24 52 Grass cutbng 1&AwJ-24 59 Grass ¢)JitiThJ I1<.24 82 Gfass pJth"rvJ 27.Nov-24 103 (>ass TOTALS .(X¢ 30.1 270.OQ ID OF YEAR TOTAL

Independent examiner's report to the trustees of Cardington, Cople & Eastcotts Charity

I report on the accounts of the Trust for the year ended 31 March 2025, which are set out on the following pages.

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(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.

It is my responsibility to:

examine the accounts under section 145 of the 2011 Act;
to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act; and
to state whether particular matters have come to my attention.

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 statement below.

Independent examiner's statement

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

(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 2011 Act; and
to prepare accounts which accord with the accounting records and comply with the accounting requirements of the 2011 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.

Independent examiner's report to the trustees of Cardington, Cople & Eastcotts Charity

Respective responsibilities of trustees and examiner

Basis of independent examiner's report

Independent examiner's statement

SJ Gilpin

Sally J Gilpin FCCA, ATT

S J Tax Limited