# SOUTHPORT & BIRKDALE PROVIDENT SOCIETY ACCOUNTS FOR THE YEAR ENDED 31[st] DECEMBER 2025 Charles D. O’Hara **TRUSTEE & HON. TREASURER** ## SOUTHPORT AND BIRKDALE PROVIDENT SOCIETY ## INDEX TO ACCOUNTS ||**Page**| |---|---| |Legal & Administrative Details|**1**| |Report of the Trustees|**2**| |Reports of the Independent Examiner|**3**| |Receipts & Payments Account|**4**| |Statement of Assets & Liabilities|**5**| |Notes on the Financial Statements|**6**| ## **Page 1** ## SOUTHPORT & BIRKDALE PROVIDENT SOCIETY LEGAL & ADMINISTRATIVE DETAILS FOR THE YEAR ENDING 31[st] DECEMBER 2025 **The Southport and Birkdale Provident Society is a Registered Charity which was set up under a scheme with the Charity Commission on 7[th] March 1977 (Charity No. 224460)** **Registered Address of the Charity: 84 Lexton Drive Southport PR9 8QW** **Trustees :** **Mr G McNicol (Chairman) Ms A Higham (Hon Secretary) Mr C.D. O’Hara (Hon. Treasurer) Mr D.S Roberts C.T.A (Trustee) Ms. E.C. Crook (Trustee Nominated by Riverside) Ms S. Davies (Trustee Nominated by Riverside) Mr Peter Woodroffe (Trustee)** **Bankers :** **Natwest 130 Lord Street Southport PR9 0AE** **Accounts Examiner : Sefton Community Accountancy Service** **Investment Managers CCLA Investment Management Limited COIF Charity Funds P.O. Box 12892 Dunmow, Essex CM6 9DL** Page 2. SOUTHPORT AND BIRKDALE PROVIDENT SOCIETY REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31" DECEMBER 2025 08JECTS OF THE CHARITY The objectives of tht Southport #nd Birkdalt Provident Socitty Are ts rdievt harthh1￿ •eed mong Ibe residents of the Metropolit*n Borough of Stfto RESPONSIBILITIES OF THE TRUSTEES ORGANISATION:. De(isioni of the Cb*rity *re mAde by the Trnrtees •t b￿￿onI￿lY Meetin2& The Cknrity li indept•kn or other bodies its 8overn••t& within its cw¥¢1ts￿lI. whi¢h rewi¢ts its *divi 8￿gr￿PhIcally. ACCOUNTING:. Th¢ Trust¢ey 4r¢ required by S¢A¢vie ts wep•rt accou•ts for fina•¢1￿ ye*r wbirh zive * tryt wl fAir view of the state of i(fAir$ of the Ch*rity *Trd of the re•￿ts of the Ch#rity for th*t ￿1￿1. l• prepr#¥ ehme Aceounts the Trujiees *re required io: l. Seleet iuitlble #CC•Umiirt8 policies #md thtn apply them ¢othsiJtenlty: 2. M*ke jud8ements #nd estimxttt tb#l *re re&wtt•blt •ttd prndetst: 3. Prepare the iefowuts on tbt going ¢o•¢ern buil •mleJi il IJ inApprowiale to presume ih*t the Charity will coatiAut in optr*iiott. The Trus¢tts *re ruponsiblt for ketpiog proper *ctounting records vhi¢h diK10￿ with rtasonable Kf•rAcy at any time tbe fiDanciil p￿ItIon of the Cb*rity to en*Ne thtm lo ewwrt Ihe *c¢ou#ts com￿Y wthih Ttlevani legi51*tion. ¥Jlso rtsponsiblt for sAfryu*rdiDi the ￿lets of the Charity *nd htntt reasonable steps for the prevenlbon ind delee1￿M of fr*ud *nd oiher irreg*l*ritie COMMENTARYON ACCOUNTS:. Requests ftsr Granti ire rectived cknritiej welfare initilutiDm¥ Mployeu of tht Authority Soti•l Scrvi¢N Dep•rtmtn¢. The Tre￿￿rer vtts tht *pplica¢ioms from SKial Services the i$ist*nce of Sefion C.V.& And rffeivu p¢rmiuion for payments from the Tnmlm. Durin8 2025 we reeeived PersoM*l *pplie*tiotys of whieh 6 were exweellrf 3 were dedi*ed *•d 4 lestim*ted ¢oJl £616) wert •8rffd bu¢ 41 the year tDd. 142 were *grt¢d p•id •1 * cost or £ 24J03.IMI. This tomparej with * tot￿ of 181 PenoTrAI *ppllt*tlothi l# 2024, of wlbich I I wert C*ntelk4 3 were IlediA￿, and 167 were airttd p•id at * cojt of £29,116 li•dudin8 £ 149 for an •pplKaliow received 2023 It w*J neeesjary to eontittue restrieiitsl tht number ofappl1t*ii￿ rteeivrt i• order to *void ***wl deficit of intome tompared to exptndithrt. Thii followj x 4 ye*r period Of *lmost i(*tic i￿O￿t in the fA¢t Of increlsing demand. We itrive io m#1￿1*1￿ * re*listit re*rve futtd, IA ordtr to eve* oul cuh Ilow would othernise be err*tie. to ineomt bEill8 r¢reiw¢d qwrt¢rfy. AJY defltit Could *ffttt ••r ability to providt x¢rvice ID th¢ fgUowill8 year. RISK ASSESSMENT:. Tht Trusttes havt xsstssed the m*Jor to wblth the Ch*rhy ewld be p*rti¢ol*r thogt to the operntion and fin*n¢d of ihe TrnsL **d are sxtufKd th*t sple￿$ *rt its pl*ee th Mits￿le expM•rt lo m*ior risks. All our Capitsl investmettts #re profets1o￿ty m*n4ed by the Ch*riiitJ oifKi#l l*wogMent FuThd of CCLA. Signed (m behalf of th¢ TTUSt¢¢s Chairnian.......... ......................................... ............Geoffrty McKK￿l Page 3. INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF SOUTHPORT AND BIRKDALE PROVIDENT SOCIETY ON THE ACCOUNTS FOR THE YEAR ENDED 31ST DECEMBER 2025 AS SET OUT ON PAGES 4 TO 6 I report to the trustees on my examination of the accoun18 of Soulhport and Birkdale Provident Society for the year ended 31$1 December 2025. R•¥pectlvo rasponslbllltles of tru8toes and oxamlner As thè ¢harity's trustees of Soulhport and Birkdale Provident Society, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 I'the 2011 Act'l. The charity's truste8s Consider Ihat an audit is not required for this year under section 144 of the Charities Act 2011 {Ih8 Charities Act) and that an independent examination is needed. 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)Ib) of the Charities Act, and to state whether particular matters have come to our attention. Basls of Indapondent examlnerf8 Statement My examination was cafried out in accordan￿ with general directions given by the Charity Commission. An examination includes a review of the accounting records kept by the Charity and a comparison of lh8 accounts presented with those records. It also includes consideration of any unusual items or disclosures in Ihe accounts, and seeking explanations from the Iruslees concerning any such matters. The procedures undertaken do not provide all the evidence that would be r8quired in an audit, and consequently no opinion is given as to whelher the accounts present a 'lrue and fair, view and the report is limited to those matters set out in the statement below. Independent examIn8￿3 statement In connection with my examination. no matter has come to my attention (a) which gives me reasonable cause lo believe that in, any material respect, the requiremènts.. to keep accounting records in accordance with s8Ction 130 of the Charities Act; and lo prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act have not be8n met, or Ib) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached. IIA 201 lan Wri9hl F.C.A. CommLJnily Accountant Sefton Council for Voluntary Service 3r¢ Floor, Suite 3b, North Wing, Burlington House. Crosby Road North, Waterloo, Liverpool L22 OLG ## **SOUTHPORT AND BIRKDALE PROVIDENT SOCIETY** ## **Accounting Statement Page 4.** ## **Receipts and Payments Account for the year ending 31st December 2025** ||||||||**2025**|**2025**|**2025**||**2024**|**2024**| |---|---|---|---|---|---|---|---|---|---|---|---|---| |||**CAPITAL**|**Restricted**
**£**|**Unrestricted**
**£**|||
**TOTAL**
**£**||||**TOTAL**
**£**|| |**RECEIPTS**
**Investment Income - Unrestricted**
**- Restricted**

**TOTAL RECEIPTS(A1)**
**PAYMENTS**
**Direct Charitable Grants**
**Publicity & Fund Raising**
**Management & Admin.**
**TOTAL PAYMENTS (A2) **
**Net Payments (A2 – A1)**
**Net Receipts (A1 – A2)**||||||||||||| |||||28,377|||28,377||||27,287|| ||||
2,584||||2,584||||2,516|| |||||||||||||| ||||**2,584**|**28,377**|||**30,961**||||**29,803**|| |||||||||||||| ||||||||24,203||||29,116|| |||||||||||||| ||||||||440||||445|| ||||||||**24,643**||||**29,561**|| ||||||||**6,318**||||**242**|| |**Cash Fund : 31st December 2025**
**(A3)**|||||||**49,611**|||||| |**Cash Fund : 31st December 2024**
**(A3)**|||||||||||**43,292**|| |**SECTION B : Endowed Funds**
**Permanent Endowment : Receipts**
**: Payment**||||||||**2025**
2584
2584||||**2024**
2516
2516| |||||||||NIL||||NIL| |||||||||||||| ## **Page 6.** ## **SOUTHPORT AND BIRKDALE PROVIDENT SOCIETY** ## **NOTES ON THE FINANCIAL STATEMENTS** **FOR THE YEAR ENDED 31[st] DECEMBER 2025** ## _**ACCOUNTING POLICIES:**_ **Basis of Accounting** **Resources arising** **Expenditure** **Funds** **Investments** **income** **Reserves** **The accounts are prepared in accordance with the Statement of Recommended Practice "Accounting by Charities", as applicable to smaller Charities. Accounts are prepared on the Receipts and Payments basis.** **Investment income is included in the accounts gross as received from C.O.I.F.** **Administration Expenses include the necessary costs incurred in running the Charity which do not have a direct tangible effect on the charitable objectives of the Charity.** **The funds consist of one unrestricted fund and one endowment fund.** **Investments are included in the accounts as valued by CCLA at year end. These consist of Charities Official Investment Fund units. The original cost is also shown.** **During the year ending 31[st] December 2025 Income of £ 30,961 was received. ( £ 29,803 in 2024 ) . Investments Capital Value at 31[st] December 2025 was £ 941,067 ( 31[st] December, 2024 £ 980,516 ).** **Reserves of approximately £40,000 are normally held to cushion the effect of variable interest rates and income from investments and to allow flexibility in meeting grant requests. There continues to be a rising demand for the Society’s support in the continuing uncertain economic climate. The cash reserves will, therefore, continue to be monitored. The Trustees will review the situation at each BiMonthly Meeting. Only sufficient cash is drawn down from the COIF Deposit account to cover Grant payments and running expenses, in order to maximise interest earned.** ## **Trustees Remuneration / Expenses** **The Trustees were not entitled to, and received no remuneration during the year. Rent of £150.00 was paid to the Salvation Army, £164.12 for Insurances, £110.00 for Accounts Examination and £15.44 for Treasurer’s Expenses (Postages). No travelling expenses have been incurred this year.**