Trustees. Annual Report for the period
P￿10d *rt dale
Period eTrJ d*
Year
2024
Y￿r
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 IfnotftyT**o
Mmm• of p•rnon lor body) oThllll•d
oint tr￿tr•
rf*n
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 Coun￿1
Bedford Borough Coun¢illor
Cotton End Parish Council
Cotton End Parlsh Council
Charles ￿Ihrtbread
Rev Fr Paul Messam
1%.03.08
le￿22
Ex Offtv)
Cardington PC Rep
Cardingl(M PC Rep
C(W6 PC Rep
Councillor
Councilkx
C￿n¢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 tn￿tee8)
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 In*ts
L1(R) 210.585. AJ1
Scheme induding apponkn of T￿￿tee9 vesting in Official
Cuslodian for Charrtjes
Type of goveming d￿urne￿t
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 Tn￿tee$ - peT￿lS 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 n￿nInated 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 prOr￿ty inspect*Ms take p*e 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￿ COnn￿ted 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
Cardl￿t￿. Cople & Eastcotts Clwty is the O￿la[ 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 CommisS￿ne[s) are
fesKlent in tr* area of benefft at the b'me of appoinlmenl.
infornial interview. Ttrw we also required to sign and ab￿e 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 ¢I￿ose 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 repaYM￿rt 24 June 2028
Loan 2 last re[Wm￿ 15 April 2032
Furthor financhl rnvlw detall• (OpllLNwI infomth)
You may choo•e to indude
add[t￿n81 infrynth, where
relevant about.
the charws
s￿[ce$ of fvndg (induding
any fundraising)"
h(w expendi￿re ha8
supported the key objective8
of the ch*ty,'
investment wlicy
objectNes including
ethical inveslment ￿lcY
are revwd annually using the VOA to establish equivalent fair rent.
a monthiy basis ty £50 rw Ch*ty. •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 oct0t￿r 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
Ap￿nt￿ 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 Ro￿1
Harrrwden
2 Charnberfain W
SI￿rtSt￿l
MK42 OTB
Appolnted 0&0623-￿0627
MK42 OGN
App￿￿0d O￿1124.￿11.28

ALMSHOUSES
THE GREEN AIK44 3TE
No 1 The Green
Constructed 1780
Sum ￿Sured £292.6H
Listed Gr*11
Remstatement costs £246,344.
No 2 The Groan
Construrt&l 1780
Sum £329,914
Listed Bulding Grade
Reinst8tement C￿$1S £277.718.IX)
Occup*d frrffi 8 2022
No 3 The Gr•on
Construthd 1780
Sum insured £285. 742
Budding Grade ll
Reinstat8ment o)sts £240.534.00
Oco)p￿d frr%n 01 W 2017
No 4 The Gr•on
ConstnKled 1780
Sum insurnd £305.C
Lthj Gr8dè11
fr(xn 1 September 2014
JUBILEE co￿AGEs AIK44 3SH
No 1 JubilwCotlag•s
construct￿ 1978
Sum InSU￿d £184, 132
R8lnst8t8M￿ t>)sts £181,000.00
ocal￿d 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
¢knip*d ff(yn 15 sept￿nber 2024
No 2 8outhlll Road
ConstructeA 1830
InsuKed £215.018
NB Reb￿ld u)8ts as per Roiknon & Hal Jarnwy 2023.
Next v*ll ￿ 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 R￿rtIne 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. 0￿918nd￿ 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
Cle￿8 Salary aThJ PAYE
2.18820
2,513.20
3.702.60
3,273.20
288.00
Repalr5 aThJ No 1 The Gre
Rtyairs and Ma￿rtenance No 3 The Green
Rewrya a￿1 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)tena￿e No 2 S￿Jth￿l
270.00 Jthlee Cw
2,579.98
270.00
935 28
8.000.00
358￿74
Funds lo M&G Investsrwts
8,(¥)).00
28M3
26197

STATEMEKf OF ASSETS &
UABILMES
ASS￿5
Hall prO￿rtY
R•I￿lId 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
31*r-25
Valu• u at 31 IA*rch 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 A￿nt
-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 Rep*e rtt>flla&lMrvJ
24.Jun-24 36 ￿relesS ala￿1 t8sl8wik*
10.80
144 Ctl
57&
24 88 Garden ¥&ryk. dram rwjw & Ff*nth drwii
&Nov.24 95 Rat prcthm atfTonl of prwwty
17.Oetr24 109 Toikt fflush r
21-Mar.25 132 Val￿￿0￿ 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 ba*n 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 t￿1 reF4Ac•Y
1KI.fXI
227 LKI
$F•￿29 123 mo￿t￿r*
214lar-25 132 Cff
30.57
18.
2,663.37
2Ml8y.24 21 rr#)fll&•tMr
47S iXI
I￿U1-24
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
u*24 e1 Trte Pru￿ by the 9
1-Niw.24 94 R*P￿ ￿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 flusl*d
ep24 65 Treaknj shed
24 81 AF￿￿tre&re￿￿ed
27-Jan-25 122 R8pIwxtwrt kikkn t4)8 .
11.F*2S 124 R*edsho
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 v￿Ual0￿ fJF¢•
3CkMay.24 22 Gr168 eutr
31-Moy-24 23
7dunw24 24
11Jun-24 25 Car
17-jw￿24 33 Moss R￿¥￿1
12.Jun-24 28 RthcwaiK*n
2*Jun.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.C*J
240.
41.48
24 SS E￿ctriC e41
&Autr24 57 D•hwrn¢￿￿
149.98
17.S8P-24 70 EWie
2>S•p-24 72 In8W èxknwl •l**k F
175.IKS
1￿24 TT Treatsd fkny br¥•t refu ￿ft1
1￿￿￿24 7T Palnt repa¥ ballwo￿n 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
I￿8￿25 117 Melw•
2￿ar.25 137 Fronlwal. holos fil•d pthtsd
21441ar-2S 132 Vakthn Offi(¥
122 50
18.1)0
124y-24 03 ROOF R•p•'rB
12￿￿rt-24 28 C￿anad wal8 tr•alxl
17-Jiffikn24 33 M￿8 R*no¥al
270.C(I
144 IXI
610.C•)
1Wep24 78 ak t*4 & kitel
3CHTrI.24 93 Cknn ￿ treat shad
120.(
2Mov.24 96 P*ntry 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
3￿Ul￿24 41 l>ass
2t￿Ju￿24 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. 

## _SJ Gilpin_ 

## **Sally J Gilpin FCCA, ATT** 

## **S J Tax Limited** 

The Old Stable House, 3 Woodlands Close, Cople, Bedfordshire, MK44 3UE 

10/07/2025