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2025-12-31-accounts

Charity registration number 00248898

LADY WATERFORD HALL TRUST

ANNUAL REPORT AND UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

LADY WATERFORD HALL TRUST

LEGAL AND ADMINISTRATIVE INFORMATION

Trustees

Lady Joicey C Carr-Ellison J Andrews C J Patterson-Ryan

Charity number 00248898 Principal address Ford & Etal Estate Office Ford Berwick-upon-Tweed TD15 2QA Independent examiner Roseanne Bennett FCA 17 Walkergate Berwick-upon-Tweed Northumberland TD15 1DJ

LADY WATERFORD HALL TRUST

CONTENTS

Page
Trustees' report 1 - 2
Independent examiner's report 3
Statement of financial activities 4
Balance sheet 5
Notes to the financial statements 6 - 14

LADY WATERFORD HALL TRUST

TRUSTEES' REPORT

FOR THE YEAR ENDED 31 DECEMBER 2025

The trustees present their annual report and financial statements for the year ended 31 December 2025.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the charity's Trust Deed, the Charities Act 2011 and "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).

Objectives and activities

The Lady Waterford Hall Trust (the charity) was established to maintain and upkeep Ford Village Parish Hall for the benefit of the residents of Ford Parish. The management and running of the property is overseen by a committee appointed by the trustees.

Public benefit

In considering the operation, achievement and performance and finances of the charity, the trustees are satisfied that public benefit has been provided in accordance with the Charities Act 2011 and guidance provided by the Charity Commission.

Achievements and performance

The Hall has been free to enter, with donations requested, since the 2023 season. This decision has continuing to entice more people to come into the Hall and to give voluntarily rather than having a fixed price list.

Fiona Willoughby has been the Hall Manager for three years. Fewer donations were received in 2025, following a region wide trend of fewer people visiting tourist sites. However, the sales from retail area continue to support the income to the Hall and the initiative of doing Thursday teas, started in 2024, encourages locals to come in more regularly. Fewer events were run in 2025 but of note were the comedy play of Crumbs and Jane Eastoe’s talk about her book ‘Queen Elizabeth II: A Lifetime Dressing for the World Stage’.

Financial review

The charity holds sufficient reserves in the unrestricted general funds to cover the current levels of operation for several years.

The trustees have reviewed the reserves, in relation to the expected future income and expenditure streams and consider them to be in a strong position, which will allow them to continue to pursue its aim and objectives for the foreseeable future. These aims are to maintain and upkeep Ford Village Parish Hall for the benefit of the residents of Ford Parish.

Income is applied mainly for direct charitable expenditure. Expenditure can vary from year on year depending on the needs of the Hall. Reserves are held in order to cover any possible repairs or refurbishments which are likely to be unpredictable and costly.

The bank deposits are held to generate income, but are expendable at the trustees' discretion.

Reserves policy

It is the policy of the charity that unrestricted funds which have not been designated for a specific use should be maintained at a level equivalent to between three and six month’s expenditure. The trustees consider that reserves at this level will ensure that, in the event of a significant drop in funding, they will be able to continue the charity’s current activities while consideration is given to ways in which additional funds may be raised. This level of reserves has been maintained throughout the year.

Risk review

The trustees have assessed the major risks to which the charity is exposed, and are satisfied that systems are in place to mitigate exposure to the major risks.

LADY WATERFORD HALL TRUST

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

Structure, governance and management

Constitution

The charity was established by a charitable Trust Deed on 3 September 1957 to maintain and upkeep Ford Village Parish Hall for the benefit of the residents of Ford Parish.

The trustees who served during the year and up to the date of signature of the financial statements were: Lady Joicey C Carr-Ellison J Andrews C J Patterson-Ryan

Legal and administrative details

Details of the legal and administrative information including the details of trustees and the charity's main agents and advisers are given under Trust Information. Trustees are appointed by deed of appointment. Any decisions made within the charity are made by the trustees. Trustees are required to declare their eligibility to fulfil the legal responsibilities of the role, with induction training and appropriate documentation offered to new trustees.

Statement of trustees' responsibilities

The trustees are responsible for preparing the Trustees' Report and the accounts in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the trustees to prepare accounts for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources of the charity for that year.

In preparing these accounts, the trustees are required to:

continue in operation.

The trustees are responsible for keeping sufficient accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the accounts comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the Trust Deed. They 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.

The trustees' report was approved by the Board of Trustees.

..............................

Lady Joicey

Trustee Dated: .........................

LADY WATERFORD HALL TRUST

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF LADY WATERFORD HALL TRUST

I report to the trustees on my examination of the financial statements of Lady Waterford Hall Trust (the charity) for the year ended 31 December 2025.

Responsibilities and basis of report

As the trustees of the charity you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011.

I report in respect of my examination of the charity’s accounts carried out under section 145 of the 2011 Act. In carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

I have no other concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the financial statements to be reached.

Roseanne Bennett FCA

17 Walkergate Berwick-upon-Tweed Northumberland TD15 1DJ Date: ............................

LADY WATERFORD HALL TRUST

STATEMENT OF FINANCIAL ACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED 31 DECEMBER 2025

Unrestricted
Restricted
funds
funds
2025
2025
Notes
£
£
Income from:
Donations and legacies
3
43,617
500
Charitable activities
4
2,662
-
Other trading activities
5
31,304
-
Total income
77,583
500
Expenditure on:
Raising funds
6
16,501
-
Charitable activities
7
44,736
1,542
Total expenditure
61,237
1,542
Net income/(expenditure) and
movement in funds
16,346
(1,042)
Reconciliation of funds:
Fund balances at 1 January
2025
63,787
16,910
Fund balances at 31
December 2025
80,133
15,868
Total
Unrestricted
Restricted
funds
funds
2025
2024
2024
£
£
£
44,117
19,547
4,500
2,662
5,142
-
31,304
35,996
-
78,083
60,685
4,500
16,501
20,130
-
46,278
52,518
1,138
62,779
72,648
1,138
15,304
(11,963)
3,362
80,697
75,750
13,548
96,001
63,787
16,910
Total
2024
£
24,047
5,142
35,996
65,185
20,130
53,656
73,786
(8,601)
89,298
80,697

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

LADY WATERFORD HALL TRUST

BALANCE SHEET

AS AT 31 DECEMBER 2025

Notes
Fixed assets
Tangible assets
11
Current assets
Stocks
12
Debtors
13
Cash at bank and in hand
Creditors: amounts falling due within
one year
14
Net current assets/(liabilities)
Total assets less current liabilities
The funds of the charity
Restricted income funds
17
Unrestricted funds
18
2025
£
7,365
971
4,547
12,883
(4,965)
2024
£
£
88,083
7,615
1,281
8,685
17,581
(23,586)
7,918
96,001
15,868
80,133
96,001
£
86,702
(6,005)
80,697
16,910
63,787
80,697

The financial statements were approved by the trustees on .........................

.............................. Lady Joicey Trustee

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

1 Accounting policies

Charity information

Lady Waterford Hall Trust is a Charitable Trust registered with the Charity Commission (Registered Charity Number 00248898) and governed by its Trust Deed, dated 3 September 1957. The registered office is Ford and Etal Estate Office, Ford, Berwick Upon-Tweed, TD15 2QA

1.1 Accounting convention

The financial statements have been prepared in accordance with the charity's Trust Deed, the Charities Act 2011, FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the Charities SORP "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 charity is a Public Benefit Entity as defined by FRS 102.

The charity has taken advantage of the provisions in the SORP for charities not to prepare a Statement of Cash Flows.

The financial statements are prepared in sterling, which is the functional currency of the charity. Monetary amounts in these financial statements are rounded to the nearest £.

The accounts have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2 Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.3 Charitable funds

Unrestricted funds are available for use at the discretion of the trustees in furtherance of their charitable objectives.

The restoration funds are restricted funds which were raised by an appeal. They can only be applied for the purposes of restoration, as set out in the terms of the appeal.

1.4 Incoming resources

Income is recognised when the charity is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Other donations are recognised once the charity has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Donations and legacies are recognised when they are received.

Grants receivable are recognised in the Statement of Financial Activities in full in the year which they become receivable, that is when the conditions for receipt have been met.

1.5 Resources expended

All expenditure is accounted for on an accrual basis. Resources expended are allocated to the activity to which they relate.

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

1 Accounting policies

(Continued)

1.6 Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Tangible fixed assets are stated at cost less depreciation. It is the charity's policy to capitalise items costing more than £200. Depreciation is provided at rates calculated to write off the cost less estimated residual value of each asset over its expected useful life, as follows:

Property improvements 4% Straight Line Photographic copyright 10% Straight Line Fixtures & fittings 10% and 20% Straight Line

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is recognised in the statement of financial activities.

At each reporting end date, the charity reviews the carrying amounts of its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any).

1.8 Stocks

Stocks are stated at the lower of cost and estimated selling price less costs to complete and sell. Cost comprises direct materials and, where applicable, direct labour costs and those overheads that have been incurred in bringing the stocks to their present location and condition. Items held for distribution at no or nominal consideration are measured the lower of replacement cost and cost.

Net realisable value is the estimated selling price less all estimated costs of completion and costs to be incurred in marketing, selling and distribution.

1.9 Cash and cash equivalents

Cash and cash equivalents include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

1.10 Financial instruments

The charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the charity's balance sheet when the charity becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

1 Accounting policies

(Continued)

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. If not, they are presented as non-current liabilities. Trade creditors are recognised initially at transaction price and subsequently measured at amortised cost using the effective interest method.

Derecognition of financial liabilities

Financial liabilities are derecognised when the charity’s contractual obligations expire or are discharged or cancelled.

2 Critical accounting estimates and judgements

In the application of the charity’s accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

3 Donations and legacies

Unrestricted
Restricted
funds
funds
general
£
£
Donations and gifts
38,617
-
Grant income
5,000
500
43,617
500
For the year ended 31 December 2024
19,547
4,500
Total
2025
£
38,617
5,500
44,117
Total
2024
£
19,547
4,500
24,047
24,047

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

4 Chartitable Activities

Admissions
Charitable
Income
2025
2025
£
£
Admissions
1,044
-
Events income
-
1,618
1,044
1,618
Total
2025
£
1,044
1,618
2,662
Total
2024
£
1,104
4,038
5,142

5 Other trading activities

**Unrestricted ** Unrestricted
funds funds
general general
2025 2024
£ £
Raffle 5,914 5,952
Shop income 23,858 28,213
Letting and licensing arrangements 1,532 1,831
Other trading activities 31,304 35,996

6 Raising funds

Unrestricted
Unrestricted
funds
funds
2025
2024
£
£
Raising funds
Shop and Stock Purchases
14,979
16,693
Exhibition Costs
-
11
Advertising
1,522
3,426
16,501
20,130
Raising Funds
16,501
20,130
Unrestricted
Unrestricted
funds
funds
2025
2024
£
£
Raising funds
Shop and Stock Purchases
14,979
16,693
Exhibition Costs
-
11
Advertising
1,522
3,426
16,501
20,130
Raising Funds
16,501
20,130
Raising funds
Shop and Stock Purchases
Exhibition Costs
Advertising
Raising Funds
20,130
20,130

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

7 Charitable activities

Charitable Charitable
activities activities
2025 2024
£ £
Staff costs 29,945 29,009
Depreciation and impairment 6,184 5,573
Heating oil 1,992 3,924
Electricity 880 1,328
Rent, rates and insurance 2,822 3,202
Repairs and cleaning 1,907 6,788
Postage, stationery, advertising and telephone 1,181 1,539
General administration expenses 754 1,021
Bank charges 613 612
Professional fees - 660
46,278 53,656
46,278 53,656
Analysis by fund
Unrestricted funds - general 44,736 52,518
Restricted funds 1,542 1,138
46,278 53,656
For the year ended 31 December 2024
Unrestricted funds - general 52,518
Restricted funds 1,138
53,656

8 Trustees

No remuneration was paid to any trustee or to any other person connected with them, and no expenses were reimbursed to them (2024: None).

9 Employees

The average monthly number of employees during the year was:

2025 2024
Number Number
3 3

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

9
Employees
Employment costs
Wages and salaries
No employees were paid over £60,000 (2024: None).
(Continued)
2025
2024
£
£
29,945
29,009
(Continued)
2025
2024
£
£
29,945
29,009

10 Taxation

The charity is exempt from taxation on its activities because all its income is applied for charitable purposes.

11 Tangible fixed assets

Property
improvements
Photographic
copyright
£
£
Cost
At 1 January 2025
100,329
750
Additions
-
-
Disposals
-
-
At 31 December 2025
100,329
750
Depreciation and impairment
At 1 January 2025
25,563
750
Depreciation charged in the year
4,013
-
Eliminated in respect of disposals
-
-
At 31 December 2025
29,576
750
Carrying amount
At 31 December 2025
70,753
-
At 31 December 2024
74,766
-
12
Stocks
Raw materials and consumables
Finished goods and goods for resale
Fixtures &
fittings
£
26,535
7,566
(9,451)
24,650
14,599
2,172
(9,451)
7,320
17,330
11,936
2025
£
840
6,525
7,365
Total
£
127,614
7,566
(9,451)
125,729
40,912
6,185
(9,451)
37,646
88,083
86,702
2024
£
1,408
6,207
7,615

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

13
Debtors
Amounts falling due within one year:
Trade debtors
Prepayments and accrued income
14
Creditors: amounts falling due within one year
Notes
Other loans
15
Deferred income
16
Other creditors
15
Loans and overdrafts
Other loans
Payable within one year
2025
£
-
971
971
2025
£
-
150
4,815
4,965
2025
£
-
-
2024
£
348
933
1,281
2024
£
20,000
-
3,586
23,586
2024
£
20,000
20,000

During 2018, a loan of £20,000 was received from the Lord Joicey Estate. The loan is interest free and repayable on demand when funds allow. 16 Deferred income

Deferred income
Other deferred income 2025
£
150
2024
£
-
Deferred income is included in the financial statements as follows:
Deferred income is included within:
Current liabilities
Movements in the year:
2025
£
150
2024
£
-

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

16
Deferred income
Deferred income at 1 January 2025
Resources deferred in the year
Deferred income at 31 December 2025
(Continued)
-
-
150
-
150
-
(Continued)
-
-
150
-
150
-
-

17 Restricted funds

The restricted funds of the charity comprise the unexpended balances of donations and grants held on trust subject to specific conditions by donors as to how they may be used.

At 1 January Incoming Resources At 31
2025 resources expended December
2025
£ £ £ £
Restoration fund 3,475 - - 3,475
Northumberland County Council - Shelving unit 468 - (91) 377
Newcastle City Council Grant - AV equipment 1,133 - (181) 952
North East Recovery and Development Grant -
New kitchen and dining equipment 7,334 - (866) 6,468
York Museums Trust - Fire Alarm Grant 4,500 500 (404) 4,596
16,910 500 (1,542) 15,868
Previous year: At 1 January Incoming Resources At 31
2024 resources expended December
2024
£ £ £ £
Restoration fund 3,475 - - 3,475
Northumberland County Council - Shelving unit 559 - (91) 468
Newcastle City Council Grant - AV equipment 1,314 - (181) 1,133
North East Recovery and Development Grant -
New kitchen and dining equipment 8,200 - (866) 7,334
York Museums Trust - Fire Alarm Grant - 4,500 - 4,500
13,548 4,500 (1,138) 16,910

Restoration funds are restricted funds which were raised by an appeal. They can only be applied for the purposes of restoration, as set out in the terms of the appeal.

LADY WATERFORD HALL TRUST

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

18 Unrestricted funds

The unrestricted funds of the charity comprise the unexpended balances of donations and grants which are not subject to specific conditions by donors and grantors as to how they may be used.

At 1 January Incoming Resources At 31
2025 resources expended December
2025
£ £ £ £
General funds 63,787 77,583 (61,237) 80,133
Previous year: At 1 January Incoming Resources At 31
2024 resources expended December
2024
£ £ £ £
General funds 75,750 60,685 (72,648) 63,787
Analysis of net assets between funds
Unrestricted Restricted Total
funds funds
2025 2025 2025
£ £ £
At 31 December 2025:
Tangible assets 75,690 12,393 88,083
Current assets/(liabilities) 4,443 3,475 7,918
80,133 15,868 96,001
Unrestricted Restricted Total
funds funds
2024 2024 2024
£ £ £
At 31 December 2024:
Tangible assets 77,767 8,935 86,702
Current assets/(liabilities) (13,980) 7,975 (6,005)
63,787 16,910 80,697

19 Analysis of net assets between funds

20 Related party transactions

There were no disclosable related party transactions during the year (2024: None) other than that of the loan balance referred to in Note 15.

LADY WATERFORD HALL TRUST

DETAILED INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED 31 DECEMBER 2025

Incoming resources from generated funds
Donations and legacies
Donations
Grant income
Grant income - Restricted fund
Activities for generating funds
Raffle
Shop income
Lettings
Incoming resources from charitable activities
Admissions
Events Income
Total incoming resources
Resources expended
Costs of generating funds
Costs of generating donations and legacies
Shop and Stock Purchases
Exhibition Costs
Events Costs
Balance Carried Forward
2025
£
£
38,617
5,000
500
44,117
5,914
23,858
1,532
31,304
75,421
1,044
1,618
2,662
78,083
14,979
-
1,522
(16,501)
61,582
2024
£
£
19,547
-
4,500
24,047
5,952
28,213
1,831
35,996
60,043
1,104
4,038
5,142
65,185
16,693
11
3,426
(20,130)
45,055

LADY WATERFORD HALL TRUST

DETAILED INCOME AND EXPENDITURE ACCOUNT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

Balance Brought Forward
Charitable activities
Wages
Fixtures and fittings depreciation
Property improvements depreciation
Heating oil
Electricity
Rent, rates and insurance
Repairs and cleaning
Postage, stationery, advertising and telephone
General administration expenses
Bank charges
Professional fees
Fixtures and fittings depreciation - Restricted fund
Surplus/(Deficit) for the Year
2025
£
£
61,582
29,945
629
4,013
1,992
880
2,822
1,907
1,181
754
613
-
1,542
(46,278)
15,304
2024
£
£
45,055
29,009
422
4,013
3,924
1,328
3,202
6,788
1,539
1,021
612
660
1,138
(53,656)
(8,601)