THE HAYWARD CLUB
Registered Charity Number; 276426
Receipts & Payments Accounts
for the period between 1 April 2024 to 31 March 2025

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CHARITY COMMISSION
FOR ENGLAND ANO WAIES
Receipts and payments accounts
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To
31mrJ)25
Section A Receipts and payments
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Section B Statement of assets and liabilities at the end of the period
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CCXX R1 acxxunts {SS)
05104r2024

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CCXX R2 accounts (SS)
05104r2024

The Hayward Club
Report of the Trustees for the year ended 31 March 2025
The Hayward Club . Charlty rnglstratlon nwnber. 276426
1. Objo¢tivo8 and Acllvili08
Club's mission is to assist disabled pefsons by giving them the opportunty of
independence with skills of typing. computing arKI familiarty with office equipment. also to
irnprove their condition of life in trE enjoymenl of social aclivities. cKrtings and an annual
holiday.
The Club sets out lo achieve ltr￿e objectives via weekty meetings where a
combination of activities are available to members, including tuition and workiry with
laptop computers, handicrafts and occasional lalks. An annual holiday is organised
together with some ad-hoc (xrtings armj 8(M>al aclivilies.
2. Achl•v•m•nts and Perfomianc•
The Hayward Club has continued to meet consislenty throughout this last year in bringing
a social 'lrfe-line' to many of its members. The only exceptions to Meeting We￿ the
planned annual holKlay, the Easter and Christmas breaks and one vRek of indement
weather in January.
have continued to enjoy occasior￿1 speakers, an annual visit to the pantomime, the
indoor bowling dub, fish arKI chip suppers, biThJo, quiz n￿hts, a Christmas lunch and other
activities to the delight of all dub members. The annual holiday took pla￿ during the
surnmer and rt was successful; the trustees wish to record their appreciation to the
Management Commrttee for all of ￿1r hard work in organising these activit%es,' they are
the 'backbone' of the dub.
There is a wide range of physical and leaming disabilities represented within the club.
Often club members express their appreciation of the club and how it represents the
highlight of the week and is an opporiunty to maintain long-standing friendships. A
number of dub Members will sperKI time USI￿ our laplop computers for typing acc¢)unts of
holidays, other life events. catching up with SI￿ and news or watching videos about
things that interest them. Other club members enjoy crafts and convetsation while others
simpty enjoy being amongst friends.
A special annual church service took pla(x al Christchurch Dunstable in May 2024 wtth an
increased number attendirrfJ. The need for this reflects the challenge faced by many who
would like to attend a church service but thving to their disabilities, would find rt too
overwhelming.
During this year the trustees have become Con￿rned that our membership has
decreased. ifithile the club is cu￿entlY viable. the twstees are mindful of this trend and will
be addressing it in the following year. Some former rrembers have stopped coming to the
club for a varth of reasons such as moving away to another area and sadly some have
passed away. However. there are a number of regular attendees who, for one reason or
another. are not formal rn￿berS of the dub but this ensures the￿ is generally a viable

number of attendan￿S at the dub each week. In order for the dub to raise sufficient
money to pay for the hall's weekly hire fee, we need 28 people to attend the dub each
w&k and for each pay their £2.50 sub" somets'mes this does not happen and occasionally
this is out of our control i.e. availabilty of taxi drivers during religious festivals.
To address the dedine in membership and the ongoing need for publicty, the trustees
appointed Mrs Sandie Copp who was known personally to three of the trustees. The
appointment was on a voluntsry basis and Mrs Copp was asked lo publicise the club and
make it better known in the Dunstable and the surrounding area. Wthile this is an on-going
prO￿S$, the Irustees have noted how the club is now kno¥￿ more WKlely in the town by
other dubs. the Town Council and a number of key Indiv￿ua1s. are at an early stage
of expk>ting ways we can ctroperate with and mutually support another club known as
Branching Out.
The Club's ambulance continues to provide transport for dub members wrth sunfficant
disabilrties attending dub. Although 14 years old. it has proved reliable and a very
capable vehicle with its tail lift. additional heating arKI I￿￿tir￿J. None of this would be
possible without the dedicalion of Hedley and Joanna Denmarf(. their family members and
team of drivers from the Rotsry Club. As Hedley Denmark has advised us of a
'signfficant birthday, which would preclude him from driving the ambulance. considerable
efforts have been made to find a replacement custc#Jian of ts ambulance with limited
The constitution requires a minimum of four trustees and a maximum of ten trustee8.
Details of trustees are pTh#Jed below. Tr year has ended without a Club Secretary (who
would also be a trustee) and a number of tasks have been absorW by other trustees.
Despite this, we remain quorate.
The trustees are very grateful for each of the Management Committe8. They aro
appointed by the trustees to organise tl* practKal. day-t(Hlay running of the club. They
are Patrick Bannon, Anna Hill, Mary Ryan and Margaret Collins. Sadly Management
Committee member Valerie Worrall passed away during the year and we also miss Linda
Fill who helped a lot with arts and crafts (the dub is grateful to both framilies who raised
money for the club in Memory of Valerie and Linda). A number of other volunteers assisl
the club in a var*ty of ways and the trustees wish to express their apprecialion for such
loyal support.
During this last year. the trustees have continued to review existing policies and update
them where required. We approved a data protection policy arxl the treasurer kindly
agreed to become the data protection Offi￿r. Addrtionalty we have consKlered arKI
introduced a risk register to h￿hlyht strategic risks, a pobicy for Record Keeping arKI
Retention and work has begun on a Volunteer policy which will be in operation duriThJ the
following year.
The trustees have an annual plan to guide the structure of quarterty meetings. This
includes reviewing the financial position during each rrwting and understanding any
variations from the original budget of the year. The first quarter meeting in April reviews
the end of year financial positi'on ahead of approval of the accounts, extemal examination
and presentation to the members at the Annual General Meetirg.
The fourth quarter Meeting in January each year indudes approving a budget for the year
ahead. on￿ again we have alkKated a subsidy of £3,0(K) for the annual club holiday

(organising the holiday is consistent with the dub's constrtution). We gratefully
acknowledge a grant from the Waiirose Communrty Matters fund which has helped us
replace some older laptop computers and purchase a sound system which benefits
everyone, especially those usirMJ trEaring aids. The grdnt has also been used for an
educational and social visit lo Bletchley Park. Other kind donatK)ns from indNiduals arKI
club members have been given to ts club arKI these are gratefully recewed.
To conclude, this has been another successful year but also a year of significant
challenges. The main challenges are the decline in numbers - in common with other
similar dubs in the area - and the shortfall in income compared with expenditure. The
trustees are. however. aware of these challenges and are proactively addressing them.
Finan¢lal Rovl•w 202*25
3. Governing DoCUm￿rt
The Hayward Club is an unincorporated associatlon and is controlled by its constitution -
its governing document. The tn￿le8S present their report with the financial statements of
the charity for the year ended 31 March 2025. In accordance with their goveming
document and Charty Commission gutsjelines. the trustees have chosen to prepa
receipts and payments a[￿unts.
4. General Fund (Unrn8trlct•d)
Our main funding support Ihis year came from a signfficant legacy left to the Club by a
former member. Additional support came from grantsldonations from Waitrose, Central
Bedfordshire Council. charl￿S including local Rotary Clubs, from other fvnd raising
activities arKI interest on savings. Total income for the year was significantly higher than
the pffjvious year, mainly due to the above mentioned legacy. Tr weekty subscription and
Ihe annual mernber8hip fee remained at the previous year's level.
ExpeNliture, ind￿lIng a subsidy to ￿ holiday fund, was approximately 6.5% lower than
the previous year, resufting in a Sufplus of £10,729. However, rf the legacy is excluded, the
Club made an operating loss of £1,771- some 35% lower than the loss reported in the
previous year. Although a balance is getts'ng closer, routs'ne expendrture still exceeds
routine income.
5. R•s•rv88
trustees have adopted a reserves policy as a tool to assist firk3ncial planning and to
help a&8ess required future levels of 'free reseNes' to meet..
• approximately 12 months of bLtyted experKliture to ensure conts'nuity of activity as
going concem
• a contingenry for managing major repairs or replacernerrt of the Club's ambulance and
• a small contingency for currenty unforeseen needs.
At 31 March 2025 the Club held free reserves of £42.000 and this amount was confirmed
as remaining appropriate when re¥￿￿ by the trustees in the 4th quarter of the
accounting year. The trustees remain C0rff￿ent that from a financial perspective. the Club
will continue as a going concem.

6. Inveslm8nt Policy
The charity seeks low risk invesknents covered by the Financial Services C(xnpensation
scheme with the best rates of return available via:_
. a fixed temi deposit account for rts £42.000 of reserves - a Charity 2-year bond account
with the Untted Trust Bank @ 4.850h interest was selected for this and was opened in
May 2024. Interest will be added al the annual anniversary and is anticipated to be
slightly above £2000.
. the instant access account for £15.000 of funds that might be needed more urgently was
opened with the Saffron Building Society and has eamed approximately £500 interest.
The interest rale is variable and has been redui*d to 2.75%. An attemative easy access
savings account with a better interest rate is currently being pursued.
7. Holiday Fund (R￿trICt•d>
One of the Club's objectives is to organise an annual holKlay for its members {who may
bring their own carers. rf needed) and to offer help to those ￿EMberS to save money to
pay for their place on the holiday. The rnaj¢xty of the cost of the holKlay, the associated
transport and outings is covered by r￿rnberS' payn*nts, but the Club does provide a
small subsidy which was just over 15% for the 2024 holiday. Members can choose to pay
instalments into the Club's holiday account throughout the year, to help spread their cost.
Approximately 40% of members chose to save in this way durir¥J this year.
Shortty after the holKlay was ¢￿￿uded - in September 2024 - the holiday account stood at
£1 (simply to keep bank account active), but by 31 March 2025 £4,641 had already
been entered in anb'cipation of the 2025 holKlay.
8. Rlsk8 and Uncerta5ntlo•
• Outgoings have exceeded incoming resources for several years. largety due to the
Club's policy of subsKlising the annual holiday. Thus far and for the immediate future thi8
does not pose a threat. as the shortfall has been covered by a signfficant unrestricted
donation that the charity received a few years ago. H¢y•vever, rf this had continued
uncontrolled, a potenbal uncertainty over the charity continuing as a going con￿rn for its
long-term future (10 years+) would arise. The trustees have recognised this risk and their
strategic plan aims to improve long te￿ financial secufity.
. The charity's principal asset is an ambulance with tail lift, used to transport sorne of the
members to charity galherings. Major repair or ￿placement of the ambulance, while
covered by the reserves. would ￿nsuMe a subslantial part of those reseNes, posing
longer tem risk to the stsbilty of the Club. In addition. should this arnbulan￿ become
unavailable for any reason, some rnernbers May be unable or umvilling lo conts'nue their
membership. As members, subscriptions and weekly payments towards hire of the
meeting hall is one of the main sources of the Club's income. reduciion in membership
would pose a risk to financial se￿rIty.
. Raising even rn0￿ income via the members risks alienating s(xne. ¢xusiNJ them to
resign membership leading to the same fisk to financial securty identified above.

9. Structure. Governance and klanagom•nt
The Hayward Club is an uninc(Xp￿*ed association and is controlled by its constitub'on -
its goveming document.
The constitution defines that there should be a minimum of 4 and a maximurn of 10
trustees, elected each year at the Annual General Meeting. The honorary Offi￿rS (chair,
vice-chair. secrelary & treasurer). who are also twstees. are also elected each year at the
AGM. Existing trustees and officers are eligible for re-ele￿1On and May confirm their
willingness to continue to stand, plus any members of the chanty may nominate
themselves. via the secretary. for elects'￿ at the AGM. In the meantime (between AGMS)
members may also be c¢>opted by vote of existing trustees.
The Management Committee has been fom)ed to organise the operational actsvrties of the
dub and regularly reports to the trustees via the Secretary.
10. Name• of th? I￿￿te•S vtho manage th• charfty
Doug Hook
Patrick Bannon
Rachel Hook
David Homby
Joanna Denrnark
Hedley Denmark
Hazel Srnith
sa Hutchinson
Chair
Member's Secretary
Trustee and immediate past treasurer
Treasurer
Resigned dufiTrJ the year tr•ving to personal circumstances
Joined arKI resigned during the year (Ywing to personal circumstances
Valerie Worrall, who wa8 a Trustee. sadly passed away in January 2025.
11. Declaratlons
Th• trust•M dKlar• that th•y hav• approv•d th• tr￿t•8'* rnport a• al)ov•.
Slgnod on behalf of the chaffty's trust￿8.
Signaturel8) -
Dats: 27 Jun• 2025
Full name: Douglas Raymond Hook
Posltlon: Chalr