ST JOHN'S ALMSHOUSE CHARITIES
TRUSTEES REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
Charity Number: 230417

ST JOHN'S ALMSHOUSE CHARITIES
Contents
Page
Legal & Administratwe Informalion
Trustees Annual Reix)rt
Independent Examinerfs ReFM)rt
ststemenl of Financial Activities
Balance Sheet
Notes to the Financial Statements
8-13

ST JOHN'S ALMSHOUSE CHARITIES
LEGAL AND ADMINISTRATIVE INFORMATION
Mr M G Baker MBE
Revd J A Randall
CNpted Trustee- ChaiThan
Ex-officio Trustee- Rector of the Parish of Huntingdon (Retired 28th September
20251- current vacancy
Cllr A Blackwell
Trustee nominated by Huntingdon Town CcMJncil
Cllr J L Taylor
Trustee nominated by Huntingdon Town Cwncil
Mr A Butler
Co-opted Trustee
Mr L Button
Co-opted Tnjstee
Mr R R Dearman
Co-opted Trustee
Mrs E Irving
Co-opted Trustee
Mr T P Johnson FCA C(FOPted Tr￿stee & Treasurer
Mrs D Peacock
C(Fopted TnEtee
Mr C F Saunders
Ctropted TTUStee
Mr D Silk
c(￿Opted Tnjstee {appointed D￿mber 2025}
Mr M P Westcott-RthYd C¢>opted Trustee
Charitable Status
St John's Almshouse Charities is an uninCorF￿ted tharity registered in England. number 230417
Principlo Address
The principle address of the charity is 27 Hartford Road. Hunlingdon, Cambrmjgeshire. PE29 3RE
Bankers
National Westminster Bank ￿c, 92 High StreeL Huntingdon. Cambridgeshire. PE29 3DT
Independent Examlnar
Mr D G Croker
Retired Chartered Acix)untant
5 Wilk)w Close, Brampton. Huntingdon. Cambridgeshire. PE28 4RJ
SollcltOTS
HCR Hewilsons. Elgin House. Billing Road. Northampton. NN15AU
Clerk to the Trustees
Mrs B Howells

ST JOHN'S ALMSHOUSE CHARITIES
TRUSTEES ANNUAL REPORT FOR THE YEAR ENDED 31 DECEMBER 2025
ObJectlves and actlvllles for the publlc benefft
The principal object of the chanty is Ihe provisN)n of almshyjse accL*nmcKlalion for single women who by
force of circumstances and resources. are in need. Pri￿lty is given to women who resKle in Hunlingdon. and
it is this group of people which forns the basis of the public b8nefft provided by the charity.
The charity carries out its objeclives by..
maintaining the extefflal and intemal features of the eight reshlential houses in George Street
Huntingdon, in a secure and ha￿table stale. and
advertising empty accommodatmjn to relevant local agencies. and
reviewing the condrtion of the properties. and carrwng out capilal works after securing appropriate
funding.
The Trustees confim) thal they have refe￿ed to the guidance contained in the Charity Commission's general
guidance on public benefft when reviewing the Trust's aims and objeckn"ves, and in planning future activrties.
Structure, govefnance and management
The charity is an unincofporated charity managed by our Trustee Goveming Framework Manual dated 12
November 2012. and relaling back to the Charty Commission Scheme Ckx#Jment dated 28 October 1969.
The trustees comprise 1 eX￿ffiCI0 trustee who is the current incumbent af the Parish of Hunlingdon, 2
nominee trustees from Huntingdon Town Councd and a maximum of 9 other trustees, and any new trustees
are appointed by Ihe existing Trustees.
Where there is a co-opted trustee vacancy. the remaining trustees endeavour to refflttt a new trustee with
relevant experience. skills and an empathy with the objects of the charity.
As part of their induction. new trustees are provided with a eopy of the Trustee Goveming Framework
Manual, the Residents Handbook. and various other relevant docum8nts to enable them to gain a full
appreciation of their dulles and obligations as a trustee. The TTUStee Goveming Framework Manual contains
the charity's policies for trustee induc11c￿. risk management. 1nvesbY￿ wlicy and managem8nt of surplus
nds.
The trustees meet on a quartedy basis to reV￿W the positK)n and a slaThJard agenda is adopted to ensure
that all matters are covered.
The day to day administrab.on of propety management and resbjents issues is delegated lo the relevanl
sub-committee. in conjunction wtth the Clerk to the TTUStees. but all major decisions are either approved or
ratified at a full trustees meeling. The sUt￿C1)MmItteeS are:
Residents. sutFcommittee"
Buildings sutkcommrttee:
Finance sU￿¢0Mmittee.
Icontinued on page 31

ST JOHN'S ALMSHOUSE CHARITIES
TRUSTEES ANNUAL REPORT FOR THE YEAR ENDED 31 DECEMBER 2025 (continued)
Stntcture. governance and managernent (cont5nuedl
The charity is a member of the Almshouses Association vthth offers assistance, advice, guidance and
encourageTnent to the numerous almshouse trustee bc*Jies to enable them to provide suitable
accommodation for people in need. The Association also represenls these charities with the Charity
Commission, Homes England, and the Regulator of Social Housing. the Land Registry and other
Govemrnent departments.
Achievements and perforrnance
Our residents are thTiving and happy. During the c4)urse of the year we have undertaken repairs and
replaced old white goods. As well as this, contractors building behind the almshouses have been rep12cing
the back and side boulldary wall and ￿r resKlents are looking forward lo regaining their back gardens,
where they often sit in the waM￿r months.
The Truslees invited the residents, ￿uS a guest. to Bud(den T(Jwers for a tea paty and short talk about the
Towers. The Mayor of Huntingdon attended as did her consort. Five of the eight residents atlended and it
was deemed by all to be very successful .
The Chairman and Clerk made regular visits to the residents. mosdy of a social nature but also when
assistance was required. The visits are to ensure their well-being as well as to remind them that we are
available lo be called on if necessary. Two of our Tnjslees also make regular visits of a similar nature.
Residents receive cards and flowers on their birtlmlays and cards at major festivals induding a Sainsbury's
voucher at Christmas.
At the end of 2025 there were 12 ex-officio, nominated and cfropled trustees, leaving no vacancies for new
trustees. The tnjstees are o)mmitted to having a Board of Trustees with varied but complimentary skills lo
benefit our residents and the chartty.The tnjstees maintained their awareness of their own perfomiance
framework established in 2015 as folkiws..
To maintain a high level of attendance at trustee [r￿tingS and this was notgj at 80%
To ensure a minimum of 4 qu2rterty meetings and this was achieved in 2025
To confirm trustees compliance wilh its own Trustees Govemance Framework Manual, any
requirements of the Almshouse A$S￿latiOn. arsd regulators. The Chartty Commission. This was brought up
to date, as required, and also through the nomal process of management. There was no evidence of non-
complian￿.
Icontinued page 41

ST JOHN'S ALMSHOUSE CHARITIES
TRUSTEES ANNUAL REPORT FOR THE YEAR ENDED 31 DECEMBER 2025 (continued)
Financial review
The charity had a successful year achiewng a surplus before transfers of £42,426 {2024- surplus of £7.947)
and the outstanding k)an was reduced by £12.857 {2024- £12.040).
The tDJstees prepare an annual budget and the resutts were in line with the exFected results. The budget for
2026 shows a similar surplus being expected with no ex￿ptiOnal expenses anlicipated. and gNes assurance
to the trustees that the charty continues to be a going concem for the ne*(12 Th)nths.
Reserves
The tmslees policy is to ensure that the charity has sufficient reseNes to protect against reductions in
income. unexpected increases in expenditure. and to take advantage of new opportunitr"es.
The reserves will be used to support the tharity's aims and ￿lect￿eS. and any expendtture to be drawn from
the resetves will require trustees approval, and the level of reswves will be reviewed annually by the
trustees.
As regards specthc reserves. the chartiy will maintain a minimum of £30,000 in specffic reseNes at all times.
Specific reserves held a131 December 2025 were in excess of £71.lJOO.
As regards free reseTves, the chanty will maintain a minimum of £10.000 in free reserves and free reseNes
are defined as the amount of unreslrȢted funds that the charity holds above its operating casts and
designated funds. Free resebves held at 31 December 2025 were in exc￿ of £60.000..
Trustees. responslbllltles In relauon to the flnanclal sL*ements:
The truslees declare that they have approved the above trustees. report.
Signed on behalf of the Trustees:
Mr M G Baker MBE
Chairman
Date.'29 July 2026

ST JOHN'S ALMSHOUSE CHARITIES
INDEPENDEPTh EXAMINER'S REPORT TO THE TRUSTEES OF THE ST JOHN'S
ALMSHOUSE CHARrriES FOR THE YEAR ENDED 31 DECEMBER 2025
I report to the trustees on my examination of the charity's aciJyJnts of the charity for the year ended 31
December 2025 wh￿h are set out on pages 6 10 13.
Rosponsibilities and basls of report
As the charity's truslees. you are responsible for the preparalv)n ofthe accounts in accordance with the
requirements of the Charllies Act 2011 (the Act).
I report in respect of my examinatK)n of the charity's accounts carried under section 145 of the 2011 Act
and in carrying out my examination I have f(Alowed all the applicable Directions given by Ihe Charity
Commissiori under section 145151{b} of the Act.
Independent examinerfs statement
I have completed my examination. l (￿fiM1 that no material matters have come to my attention in
connection wrth the examinalton. giving me cause to believe that in any malerial respect..
accounting records were not kept in respect of the charity as required by section 130 of the Act" or
2. the accounts do not accord wrth those records: or
3. the accounts do not comply with the applicable requirements wnceming the form and COTrtent of
accounts set out in the Chartties (Accounts and Re￿rts) Regulalions 2008 other than any
requirement that the accounts gNe a Irue and fair vFew' vthich is not a matter considered as part of
an independent examination.
I have no concems and have come across no other matters in connection wtth the examination to wh￿h
attentson should be drawn in this report to enable a Proper understanding of the accounts to be reached.
Croker
Retired Chartered Accountanl
5 Willow Close
Brampton
Huntingdon
PE28 4RJ
Dale- 28 July 2026

ST JOHN'S ALMSHOUSE CHARITIES
STATEMENT OF FINANCIAL ACTMfiES FOR THE YEAR ENDED 31 DECEMBER 2025
2025
Totsl
Fund5
2024
Total
Fundi
G•n•rnl D•signatod Rèstri¢ted
Fund
Funds
Funds
Incornlng resources (Note 2
Income and endowments from:
Charitable activities
Grants & donalions
Bank interest receivable
49.680
10.030
575
49.680
10.030
3,068
51,222
10,000
3,244
2.216
277
Total
60,285
2.216
277
62,778
64,466
Resources expended (Note 31
Expendlture on:
Charitable activtties
{20.352)
{20,352) (56.519}
Total
20,352
20.352
56.519
Not incom8 {expenditure)
39.933
2.216
277
42,426
7,947
Transfers betwe8n funds
{3.680)
3.C(10
680
Net movement in funds
36.253
5,216
957
42.426
7.947
Reconclllallon of funds:
Total funds brought forward
890.877
54.449
11.222
956,548 948.601
Total funds carrled forward
927,130
59.665
12,179
998,974
956.548
The statement of financial actwtties includes all gains and tosses recognised in the year.
All income and expenditure derives from (x)ntinuing activibes.

ST JOHN'S ALMSHOUSE CHARITIES
BALANCE SHEET AT 31 DECEMBER 2025
2025
Total
Funds
2024
Tolal
Funds
Note
General
Fund
Dèslgnated Restrlcted
Funds
Fund5
Flxed assets
Tangible assets
867,600
867.600
872.040
Current assets
Debtors
Cash at bank
4.922
96.360
101.282
4.922
168,076
172.998
5.842
132,865
138.707
59.537
59.537
12.179
12.179
Credltors: amounts falling
due within one year
(14.035}
(14.035) 112.901)
Net currenl assets
87,247
59.537
12.179
158.963 125,806
Total assets less current
Ilabllllles".
954,847
59.537
12.179 1,026,563 997.846
Credltors: amounts falling
due after one year
127.589)
0 {27,589) 141.2981
Total nèt assets
927.258
$9,537
12,179
998,974
956.548
The funds of the charlty..
Unrestricted ftjnds..
General fund
Designated funds
Restricted funds
927.130
927.130
59,665
12.179
890,877
54.449
11,222
59.665
12.179
Total charity funds
59,665
12,179
998,974
956.548
The notes on pages 8 to 13 fomi part of these a¢￿Unts
Approved by Ihe Tnjstees on 29 Juty 2026
and signed on their behaW by..
M G Baker
Chaimian of Trustee5
T P Johnson
Trustee l Treasurer

ST JOHN'S ALMSHOUSE CHARITIES
NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
l Accountlng pollcles
1.1 Basls of accountlng
These accounts have been prepared under the h[%torb￿l cost ￿)nVentIOn with items re(wnised at
cost or transaction value. un￿sS otherwise stated in the relevant notes to these accounts.
The accounts have been prepared in ac(x)rdanc8 With the St8tement of Rec¥)mmended Practi￿.
Accounting and Reporting by Charities weparing their a(xx)unts in accordance with the Financial
R8POrting Standard applicable in the UK and Republic of Ireland (FRS102) issued on 16 July 2014
and with Ihe Charities Act 2011.
The charity has taken advantage of the provisions in the SORP for charities applying FRS 102
Update bulletin 1 not to prepare a Statement of Cash Fh)ws.
1.2 Funds structure
Reslricted funds are funds which are lo be used ￿ aco)rdan(* with Specif￿ restrictions imposed by
the donor or trust deed.
Unrestricted fvnds comprise tkne funds vthich the trustees are free to use for any purpose in
fv*rtheran￿ of the charrtable otyecls. unresln.cted funds comprise the general fund. and also the
designated fun(L8 where the trustees. at their discret￿. have created a fund for a specific purpose.
1.3 Golng Concern
The accounts have been prepared on a going concem basis as the trustees believe that no material
uncertainty exists. The Iruslees have considered the level of frjnds hekl, and the expected levels of
income and expenditure for 12 months from approving these accounts. The budgeted income and
expendtture is sufficrent, together wtth the level of reseNes hekl for the charity to be able to conts.nue
as a going concern.
1.4 Accountlng èstlmates
No changes to accounling estimates have occurred in the rep(Ktirig period.
1.5 Income
Recognifion of Income
These are included in the Stslemenl of Financk81 Acbvrties when..
the charrty t*comes entitled to the resour￿.
it is more likely than not that the trustees will receNe the reSoUr￿s. and
Ll the monetary value Gan be measured with sUffiC￿nt re[￿bIlty.
Offsettlng
There has been no offsetting of assets and liabilibes. or income and expenses. unless required or
pemiitted by the FRS102 SORP or FRS102.

ST JOHN'S ALMSHOUSE CHARITIES
NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
1.5 Incomo {continuedl
Grants and donations
Grants and donations are onty induded in the SOFA when the general in(xMne recognf(ion criteria
are mel.
1.6 Expendlture and Ilabllltles
Llabllityr8cognition
Liabilrties are reccyJnised where tt is mre likety than not li￿t there is a legal or constructive
obligation commitbng the charity to pay out resources and the amount of the obligation can be
measured with reasonable certainty.
Governance and support costs
Govemance costs comprise all costs involwng public acc(HJnL8bilty of the charity and rts complbance
with regulatson and praclice. There are no matenai SUPF#Xt (￿Sts inCu￿ed by Ihe charty.
Deferred Income
No material item of deferred incorne has been induded in the accounts.
2 Analysis of income
2025
Total
Funds
2024
Total
Funds
General
Funds
Designated Restricted
Funds
Funds
Charltable Athltles
Weekly maintenanc8 contributions
49.680
49,680
49.680
49,680
51.222
Grants & Donations
Grants
Donations
Total
10,000
30
10.030
10.000
30
10.030
10,000
10.000
Bank Interèst [￿alVable
Interest
Total
575
575
2.216
2,216
277
277
3.068
3,068
3.244
3.244

ST JOHN'S ALMSHOUSE CHARITIES
NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
3 Analysls of expendlture
Restrlcted
Incoma
2025
Total
2024
Total
Unrestrlde
Endowment
Funds
Funds
Funds
Funds
Funds
Expenditurtr on charftable
actlvltles
Proparty expenses:
Repairs and maintenance
Gas boiler maintenance
Replacement Doors
Quinquennial repairs
Void pro￿ty repairs
Insurance
Depreciation
Legal & professional costs
3.538
2,678
3.538
2,678
2.925
2.554
16,250
11,840
6,144
1,499
4,440
2,180
112
1.445
4.440
112
1.445
4,440
Interest and finance costs:
Charity Bank
3.142
3.142
3,960
Resldents cost$:
Television licences
Residents support
38
796
16,189
38
796
16,189
38
378
52,208
Govemance costs
Meeting expenses
Subscriptions
Postage and stationery
Training & travel expenses
Miscellaneous expenses
Clerk's fees
{801
385
91
210
13
3,692
4,311
363
363
40
16
16
3.744
4.163
4.163
Total charltable actlvltlès
20.352
20.352
56,519
10

ST JOHN'S ALMSHOUSE CHARITIES
NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
4 Tangible fixed assets
Land and Equipment
Buildings
Totsl
4.1 Cost
At 1 January 2025
Additions
Disposals
Al 31 December 2025
912.000
4.960
916,960
912.000
4.960
916.960
4.2 Depreclatlon and Impalmients
Basis
Straight
line
Rate 0.75V/o
Straight line
25°
At l January 2025
Charge for the year
At 31 December 2025
39,960
4,440
44.400
4.960
44,920
4.440
49,360
4,960
4.3 Net book value
31 December 2025
867.600
867,600
31 December 2024
872.040
872,040
The freehokj land and buildings were valued at £912.000 on 11 January 2011 by Westley & Huff, Chartered
Surveyors. This value has been adopted as Ihe deemed cost of the assets concerned on transition to
FRS102. There was no comparable ￿st ordepreciation or net l)ook value priorto Ihe capital development
costs incurred in 2010 and 2011. L8nd and buildings includes land valued in 2011 at £320.000 on which
no depreciation charge is made.
5 Analysls of debtors
2025
2024
Weekty maintenance contributions due
Grants receivable
Prepayments and accrued income
700
2,500
1.722
4,922
1,612
2,500
1,730
5.842
6 Cash at bank
2025
2024
General fund - current account
General fund - business reSe￿e account
Designated fvnd Ilncome prolectionl - deposit account
Designated fund (Boiler replacement}- deFM)Stt account
Restricted fvnd - deposf( account
44,255
52,105
47,819
11.718
12,179
168.076
15,791
51,530
45,936
8,386
11,222
132,865

ST JOHN'S ALMSHOUSE CHARITIES
NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
7 Anatysls of credltors
Amounts falling due
within onè y•ar
Amount5 falling after
more than one year
2025
2024
2025
2024
Creditors and accruals
Bank loan
326
13.709
12,857
27.589
41,299
14.035
12.901
27,S89
41.299
The bank loan is secured on th8 freeh(Ad property.
8 Designated funds
Income
Protectlon
Boiler
Repl
Total
Balance 1 January 2025
Interest
Transfer received during the year
Balance 31 December 2025
46,014
1.883
8,435
333
54,449
2.216
9 Restricted funds
Pemia-
nent
ordinary
Endow-
Maintenance Ment
Total
Balan￿ 1 January 2025
Interest receivable
Transfer received during the year
Balance 31 December 2025
9,138
277
680
2,084 11,222
277
680
2 084 12 179
Further delails regarding these Iwo funds are shown at Notes 10 & 11 respectwely
12

ST JOHN'S ALMSHOUSE CHARITIES
NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025
10 Restricted fund
The Extraordinary Maintenance Fund increases each year by £680 in accordance with the Trustee
Goveming Framework Manu21 of the charity. lo provide a fund for major capital expenditure which may
become payable in the future.
11 Endowmenl funds
These relate lo the remainder offunds when a number ofchanties were C￿n$01￿￿ated into this charty many
years ago and comprise the lollowing=
2025 2024
The charity consisting ol part applicable for PUTposes not
educational of the Sl John's Hospitsl and Grammar School Foundalion
Richard Fishboume's Charity
John Bardolph's Chanty
Robert Cwk's Charty
Thomas King's Charity
George Raitt's Chority
750
750
130
130
544
544
180
180
300
300
180
180
2084 2084
12 Analysls of net assets between funds
General
fund
Designated
funds
Endowment Total
fuftds
2025
Fixed assets
Current assets
Current liabilities
Creditors due in rnore than one year
867.600
101.154
{14.035)
27.589
927 130
867.600
12,179 172,998
114,0351
59.665
998 974
13 Taxatlon
The charity is exempt from tax Ix) income and gains and so TK) lax charges have arisen in Ihe ch8rity.
14 Related party transactions
AII INstees give of their time freely and no trustee remuneration is paKJ. In the year 2025 a total of £20
was reimbursed to 1 tnjstee {2024 - £11 reimbursed to 1 trustee).
13