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2021-12-31-accounts

Charity number: 234234

Regulator of social housing number: A2704

THE SYBIL CARTHEW TRUST

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

THE SYBIL CARTHEW TRUST

CONTENTS

Page
Reference and administrative details of the Charity, its Trustees and advisers 1
Trustees' report 2 - 4
Accountants' report 5
Statement of financial activities 6
Balance sheet 7
Notes to the financial statements 8 - 20

THE SYBIL CARTHEW TRUST

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS FOR THE YEAR ENDED 31 DECEMBER 2021

Trustees Mr A J Hubbard, Chair
Mrs J Gowen, Vice Chair
Mrs P Fenn
Mrs R Seagers
Mrs A Bell
Mr R Boother
Charity number
Regulator of social
housing number
234234
A2704
Principal office
Carthew Court
11 Station Road
Woodbridge
Suffolk
IP12 4AU
Accountants
Larking Gowen LLP
Chartered Accountants
1 Claydon Business Park
Great Blakenham
Ipswich
IP6 0NL
Bankers
Barclays Bank Plc
4 Church Street
Woodbridge
Suffolk
IP12 IDJ

Page 1

THE SYBIL CARTHEW TRUST

TRUSTEES' REPORT FOR THE YEAR ENDED 31 DECEMBER 2021

The Sybil Carthew trustees have pleasure in presenting their report and the financial statements of the charity for the year ended 31 December 2021. The information on page 1 forms part of this report.

CONSTITUTION AND OBJECTIVES

The Sybil Carthew Trust was set up under the Charity Commission Scheme on 1 April 1969, revised on 9 February 1984.

Mrs Sybil Carthew bequeathed land at Station Road, Woodbridge and money with which to build homes for the elderly. An additional small grant from the Housing Corporation enabled the buildings to be completed for occupancy in 1971. They were designed with the object of combining individual privacy with the advantages of a congenial community atmosphere and special amenities that such a community can offer.

The aim of the charity is to provide sheltered accommodation for men and women.

The trustees who served the charity during the year are shown on page 1.

All administrative decisions have to be agreed by the Trustees at their regular meetings.

TRUSTEES RESPONSIBILITIES

The Charities Act 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 at the end of the year and of the surplus or deficiency for the year then ended.

In preparing those financial statements, the trustees are required to select suitable accounting policies, as described on page 8 and then apply them on a consistent basis. Making judgements and estimates that are prudent and reasonable. The trustees must also prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Charity will continue to operate.

The trustees are responsible for the keeping of proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them o ensure that the financial statements comply with the Charities Act 1993. 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.

APPOINTMENT OF AND TRAINING OF TRUSTEES

When a vacancy for a trustee occurs, a search is made for candidates form in, or around, the town of Woodbridge. The one who most closely matches the skills brought by the former trustee will be chosen. On appointment, new trustees are given copies of the constitution, the accounts for the previous year and the rules and regulations of the almshouse. All trustees are encouraged to attend courses on the roles and responsibilities of trustees; and on almshouse management.

RISK

The charity has conducted its own review of the major risks to which it is exposed, and systems have been established to mitigate those risks. These procedures are periodically reviewed to ensure that they still meet the needs of the charity, and take account of the latest legislation and regulations.

I NVESTMENTS

The trustees have chosen to invest in Common Investments Funds established under section 24 of the Charities Act 1993. The investments are listed in Note 9 to the accounts and are subject to regular review.

The investments yielded a gross return of 2.0% on the Market Value. The capital value increased by 12.9%.

Page 2

THE SYBIL CARTHEW TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2021

RESERVES

At the end of the year the reserves were £603,464 (2020 - £558,816), of which £244,608 (2020 - £133,589) was represented by depreciating assets. Unrestricted reserves, excluding designated reserves, were £155,135 (2020 - £132,512).

ACTIVITIES AND ACHIEVEMENTS

IIn line with the objectives of the Trust, during the year accommodation was provided for a total of 17 men and women in 15 units, with a one resident occupying a flat that became vacant during that period.

In accordance with guidelines from the Almshouse Association, amounts continue to be allocated to a designated fund for Cyclical Maintenance and to a restricted fund for Extraordinary Repairs. The aggregate funds are intended to enable sufficient reserves to be available to cover a cyclical maintenance programme and the cost of any extraordinary repairs that may arise and to help with the capital cost of rebuilding or adapting the Trust’s buildings as may be required in the foreseeable future.

Taking into account contributions of £nil To the Cyclical Maintenance Fund and £nil To the Extraordinary Repair Fund, there was an operating surplus of £10,240 for the year. This compares with a surplus of £15,249 in the previous year. Most of the decrease in the operating surplus is due to higher spend on General maintenance.

There was no expenditure from the Cyclical Maintenance Fund during the year but there was expenditure of £117,301 from the Extraordinary Repair Fund with extensive works being carried out to cantilever balconies.

Page 3

THE SYBIL CARTHEW TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2021

Approved by order of the members of the board of Trustees and signed on their behalf by:

................................................ Saas atnncenneron Mr A J Hubbard Chair of Trustees Chair of Trustees Date: ioe, Ve np Petr. Date:

Page 4

THE SYBIL CARTHEW TRUST

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 DECEMBER 2021

Accountants' report to the Board on the unaudited accounts of The Sybil Carthew Trust

We report on the accounts for the year ended 31 December 2021 set out on pages 7 to 20.

Respective responsibilities of the board and the independent reporting accountant

The Board of the Registered Social Housing Provider is responsible for the preparation of the accounts, and they consider that the Registered Social Housing Provider is exempt from an audit. It is our responsibility to carry out procedures designed to enable us to report our opinion.

Basis of opinion

Our procedures consisted of comparing the accounts with the books of account kept by the Registered Social Housing Provider and making such limited enquiries of the officers of the Registered Social Housing Provider as we considered necessary for the purpose of this report. These procedures provide the only assurance expressed in our opinion.

Opinion

In our opinion:

Signed: Dated: 1 July 2022

Larking Gowen LLP Ipswich

Page 5

THE SYBIL CARTHEW TRUST

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2021

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
2021 2021 2021 2021 2020
Note £ £ £ £ £
Income and
endowments from:
Charitable activities 3 65,451 - - 65,451 64,051
Investments 4 5,693 - - 5,693 5,297
Total income and
endowments 71,144 - - 71,144 69,348
Expenditure on:
Charitable activities 56,628 4,276 - 60,904 54,099
Total expenditure 56,628 4,276 - 60,904 54,099
Net
income/(expenditure)
before net
gains/(losses) on
investments 14,516 (4,276) - 10,240 15,249
Net gains/(losses) on
investments 12,383 22,025 - 34,408 (33,673)
Net movement in
funds 26,899 17,749 - 44,648 (18,424)
Reconciliation of
funds:
Total funds brought
forward 243,692 235,437 79,687 558,816 577,240
Net movement in funds 26,899 17,749 - 44,648 (18,424)
Total funds carried
forward 270,591 253,186 79,687 603,464 558,816

The Statement of financial activities includes all gains and losses recognised in the year.

The notes on pages 8 to 20 form part of these financial statements.

Mr A J Hubbard Mr AJ Hubbard \/ Mrs J Gowen Mrs J Gowen i Date: Date: Se © 2022 Date: Date: 30-6.2022

Page 6

THE SYBIL CARTHEW TRUST

BALANCE SHEET AS AT 31 DECEMBER 2021

2021 2021 2020
Note £ £
Fixed assets
Tangible assets 8 244,608 131,589
Investments 9 301,867 267,458
546,475 399,047
Current assets
Debtors 10 1,805 1,751
Investments 11 390 390
Cash at bank and in hand 59,019 162,769
61,214 164,910
Creditors: amounts falling due within one
year 12 (4,225) (5,141)
Net current assets 56,989 159,769
Total assets less current liabilities 603,464 558,816
Net assets excluding pension asset 603,464 558,816
Total net assets 603,464 558,816
Charity funds
Endowment funds 13 79,687 79,687
Restricted funds 13 253,186 235,437
Unrestricted funds 13 270,591 243,692
Total funds 603,464 558,816

The financial statements were approved and authorised for issue by the Trustees and signed on their behalf by:

Mr A J Hubbard Mr A J Hubbard

Mrs J Gowen M sg[Gowen]

Date: Date:

The notes on pages 8 to 20 form part of these financial statements.

Page 7

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

1. General information

The Sybil Carthew Trust is a registered Charity in England and Wales, Charity registration number 234234. The Sybil Carthew Trust is also a registered provider of social housing, registration number A2704. The registered office is Carthew Court, 11 Station Road, Woodbridge, Suffolk, IP12 4AU.

2. Accounting policies

2.1 Basis of preparation of financial statements

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - 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), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102), the Charities Act 2011, the Housing and Regeneration Act 2008 and the Accounts Direction for Private Registered Providers of Social Housing 2019.

The financial statements are presented in sterling which is the functional currency of the Charity and are round to the nearest £.

The Sybil Carthew Trust 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.

2.2 Income

All income is recognised once the Charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably.

2.3 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the Charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

2.4 Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the Charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

Page 8

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

2. Accounting policies (continued)

2.5 Tangible fixed assets and depreciation

Tangible fixed assets are capitalised and recognised when future economic benefits are probable and the cost or value of the asset can be measured reliably.

Tangible fixed assets are initially recognised at cost. After recognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. All costs incurred to bring a tangible fixed asset into its intended working condition should be included in the measurement of cost.

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives.

The estimated useful lives are as follows:

Fixtures and fittings - 25 % reducing balance basis Property Improvements - 50 years straight line

Freehold property is maintained to such a standard that their estimated residual value is not less than cost. As a result no depreciation is charged. The Trustees perform annual impairment reviews to ensure that the recoverable amount is not less than the carrying value.

2.6 Investments

Fixed asset investments are a form of financial instrument and are initially recognised at their transaction cost and subsequently measured at fair value at the Balance sheet date, unless the value cannot be measured reliably in which case it is measured at cost less impairment. Investment gains and losses, whether realised or unrealised, are combined and presented as ‘Gains/(Losses) on investments’ in the Statement of financial activities.

2.7 Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

2.8 Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

2.9 Liabilities and provisions

Liabilities are recognised when there is an obligation at the Balance sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

Page 9

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

2. Accounting policies (continued)

2.10 Financial instruments

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

2.11 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the Charity and which have not been designated for other purposes.

Designated funds comprise unrestricted funds that have been set aside by the Trustees for particular purposes. The aim and use of each designated fund is set out in the notes to the financial statements.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

Endowment funds represent the permanent endowment of the charity.

3. Income from charitable activities

Unrestricted
funds
2021
£
Contributions from Residents - based on full occupancy
65,301
Guest Flat Income
455
Less: Vacant Flats
(305)
65,451
Total
funds
2021
£
65,301
455
(305)
65,451

Page 10

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

3. Income from charitable activities (continued)

Contributions from Residents - based on full occupancy
Guest Flat Income
Less: Vacant Flats
Unrestricted
funds
2020
£
63,588
463
-
64,051
Total
funds
2020
£
63,588
463
-
64,051

4. Investment income

Unrestricted
funds
2021
£
Shares
5,682
Interest
11
5,693
Unrestricted
funds
2020
£
Shares
5,144
Interest
153
5,297
Total
funds
2021
£
5,682
11
5,693
Total
funds
2020
£
5,144
153
5,297

Page 11

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

5. Analysis of expenditure by activities

Provision of almhouses
Provision of almshouses
Analysis of direct costs
Staff costs
Heat and Light
Insurance
Maintenance - General
Maintenance - Grounds
Consulting
Planning Fees
Depreciation
Activities
undertaken
directly
2021
£
51,058
Activities
undertaken
directly
2020
£
49,153
Support
costs
2021
£
9,846
Support
costs
2020
£
4,946
Housing
2021
£
18,614
12,052
3,557
6,461
3,324
2,568
200
4,282
51,058
Total
funds
2021
£
60,904
Total
funds
2020
£
54,099
Total
funds
2021
£
18,614
12,052
3,557
6,461
3,324
2,568
200
4,282
51,058

Page 12

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

5. Analysis of expenditure by activities (continued)

Analysis of direct costs (continued)

Staff costs
Heat and Light
Insurance
Maintenance - General
Maintenance - Grounds
Consulting
Planning Fees
Depreciation
Housing
2020
£
19,279
11,617
3,450
4,172
4,674
3,594
432
1,935
49,153
Total
funds
2020
£
19,279
11,617
3,450
4,172
4,674
3,594
432
1,935
49,153

Analysis of support costs

Telephone
Sundry
Governance costs
IT Costs
Telephone
Sundry
Governance costs
Housing
2021
£
1,514
790
7,542
9,846
Housing
2020
£
24
1,731
494
2,697
4,946
Total
funds
2021
£
1,514
790
7,542
9,846
Total
funds
2020
£
24
1,731
494
2,697
4,946

Page 13

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

6. Staff costs

Wages and salaries
Social security costs
2021
£
18,486
128
18,614
2020
£
18,761
518
19,279

The average number of persons employed by the Charity during the year was as follows:

Average number of employees
The average headcount expressed as full-time equivalents was:
Full-time equivelent number of employees
2021
No.
4
2021
No.
1
2020
No.
4
2020
No.
1

No employee received remuneration amounting to more than £60,000 in either year.

7. Trustees' remuneration and expenses

During the year ended 31 December 2021, no Trustees received any remuneration or other benefits (2020 - £NIL) .

During the year ended 31 December 2021, no Trustee expenses have been incurred (2020 - £NIL) .

Page 14

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

8. Tangible fixed assets

Cost or valuation
At 1 January 2021
Additions
At 31 December 2021
Depreciation
At 1 January 2021
Charge for the year
At 31 December 2021
Net book value
At 31 December 2021
At 31 December 2020
Freehold
property
£
70,511
-
70,511
-
-
-
70,511
70,511
Furniture
£
7,041
-
7,041
7,039
1
7,040
1
2
Equipment
£
2,358
-
2,358
2,348
5
2,353
5
10
Property
Improvemen
ts
£
96,491
117,301
213,792
35,425
4,276
39,701
174,091
61,066
Total
£
176,401
117,301
293,702
44,812
4,282
49,094
244,608
131,589

9. Fixed asset investments

Cost or valuation
At 1 January 2021
Revaluations
At 31 December 2021
Net book value
At 31 December 2021
At 31 December 2020
Listed
investments
£
267,460
34,407
301,867
301,867
267,460

Page 15

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

9. Fixed asset investments (continued)

Units Value
Charinco 12,908 23,713
M & G Charifund income units 7,678 119,485
National Association of Almshouses 737 77,166
Common Investment Fund
Equities Investment Fund for 281 81,503
Charities M&G Charifund Acc units

10. Debtors

Due within one year
Prepayments and accrued income
2021
£
1,805
1,805
2020
£
1,751
1,751

11. Current asset investments

Ipswich Building Society
Creditors: Amounts falling due within one year
Trade creditors
Other taxation and social security
Other creditors
Accruals and deferred income
2021
£
390
2021
£
1,007
1,202
-
2,016
4,225
2020
£
390
2020
£
1,629
674
1,238
1,600
5,141

12. Creditors: Amounts falling due within one year

Page 16

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

13. Statement of funds

Statement of funds - current year

Unrestricted
funds
Designated
funds
Cyclical
Maintenance
Fund
General funds
General Funds
Total
Unrestricted
funds
Endowment
funds
Endowment
Fund
Restricted
funds
Extraordinary
Repair Fund
Restricted
Property
Improvements
Total of funds
Balance at 1
January
2021
£
111,180
132,512
243,692
79,687
174,371
61,066
235,437
558,816
Income
£
-
71,144
71,144
-
-
-
-
71,144
Expenditure
£
-
(56,628)
(56,628)
-
-
(4,276)
(4,276)
(60,904)
Transfers
in/out
£
-
-
-
-
(117,301)
117,301
-
-
Gains/
(Losses)
£
-
12,383
12,383
-
22,025
-
22,025
34,408
Balance at
31
December
2021
£
111,180
159,411
270,591
79,687
79,095
174,091
253,186
603,464

Page 17

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

13. Statement of funds (continued)

Designated Funds

Cyclical maintenance fund - designated funds to cover the cost of regular maintenance expenditure.

Restricted Funds

Extraordinary repair fund - restricted funds from extraordinary investments for the purpose of providing repairs and improvements of an irregular and non-recurring nature.

Restricted property improvements - restricted funds held as depreciating fixed assets.

Transfers - the transfer of £117,301 from the extraordinary repair fund to the restricted property improvements fund represents the funds spent on cantilever balconies in the year.

Page 18

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

13. Statement of funds (continued)

Statement of funds - prior year

Unrestricted funds
Designated funds
Cyclical Maintenance Fund
General funds
General Funds
Total Unrestricted funds
Endowment funds
Endowment Fund
Restricted funds
Extraordinary Repair Fund
Restricted Property
Improvements
Total of funds
Balance at
1 January
2020
£
111,180
138,559
249,739
79,687
186,748
61,066
247,814
577,240
Income
£
-
69,348
69,348
-
-
-
-
69,348
Expenditure
£
-
(54,099)
(54,099)
-
-
-
-
(54,099)
Gains/
(Losses)
£
-
(21,296)
(21,296)
-
(12,377)
-
(12,377)
(33,673)
Balance at
31
December
2020
£
111,180
132,512
243,692
79,687
174,371
61,066
235,437
558,816

Page 19

THE SYBIL CARTHEW TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021

14. Analysis of net assets between funds

Analysis of net assets between funds - current year

Unrestricted
funds
2021
£
Tangible fixed assets
6
Fixed asset investments
213,596
Current assets
61,214
Creditors due within one year
(4,225)
Total
270,591
Analysis of net assets between funds - prior year
Unrestricted
funds
2020
£
Tangible fixed assets
2
Fixed asset investments
83,921
Current assets
164,910
Creditors due within one year
(5,141)
Total
243,692
Restricted
funds
2021
£
174,091
79,095
-
-
253,186
Restricted
funds
2020
£
61,076
174,361
-
-
235,437
Endowment
funds
2021
£
70,511
9,176
-
-
79,687
Endowment
funds
2020
£
70,511
9,176
-
-
79,687
Total
funds
2021
£
244,608
301,867
61,214
(4,225)
603,464
Total
funds
2020
£
131,589
267,458
164,910
(5,141)
558,816
Analysis of net assets between funds - prior
Tangible fixed assets
Fixed asset investments
Current assets
Creditors due within one year
Total

15. Related party transactions

The Charity has not entered into any related party transaction during the year, nor are there any outstanding balances owing between related parties and the Charity at 31 December 2021.

Page 20