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2025-08-31-accounts

looki￿ over tbe 202￿25 My first &ty u to py ￿knte to CThris Roidand. tbe dM)tr's accomtAntst for over half a (zntiry. aml to tl¥nk him for his (kdi(ated Iwd Work &￿ing that time. We We hdd a lovely tBrty at end of the SUM￿ teTm (Td we thank l)hil Gabrielle for kn5ting w) to s fall. we Iwl sever21 wts ElliDg in, and we are gratcful for their ¢￿trib￿rI(￿LI. We are DOW w pleased ro have wted Ale5sandro AL¥kny of Muw. Wè forward to ]th aLLY)yying us ID bis flrJt c(wert iti November. Our first concert of the 202&5 se)n thE Puuini M¢5s0 & Glwts. a wonderfolty exubewt WO￿ by a young compoler who alrely Showed '￿￿ for mel(M4y drama in this piece. We were joined by two superb soloists who del¥hted w with some extra arils in the first klf. along with ￿rne excellent new repettoire- SullLYOn'S The Holy BArtb- akM)gde old favowites. ThaDk for ytyjr ptierKe of Han￿ 5 DIAt This is a difficuk wcvk: 7¢ u Ha￿1 at hts VirDN)￿. the d￿1r, Every year. Ldsingers for rtFertotTe ¥Je8, ad DvOrk.¥M4￿kn Dbas •FTearEdoD d list from mu]tiple mcmber5 ofthe d￿Dll. We p￿Tea the work with ￿>￿t folk SO￿ in CzttK btd Jorne wondcrfijl Sok￿ from ¢yr dMw31 sdh)l•rs. The cztth.styk beer by the breweTS at St Mary'8 compkmented the mugic lnirablyl Mewlelsyjlm's St exating aod Under.F￿fo[rned WOTk- in as well ￿ a conttrt of Ba of Britten's death with a F￿Orn￿￿ of his St Nicolds. a new l ar￿tsa. Thank you to alll lestyn Eva

INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF CAMDEN CHOIR

I report to the trustees on my examination of the accounts of Camden Choir for the year ended 31 August 2025 which are set out on pages 2 to 5.

Responsibilities and basis of report

As the charity trustees, you are responsible for the preparation of the accounts in accordance with the Charities Act 2011 (“the Act”).

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

Independent examiner's statement

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

I have no concerns and have come across no other matters in connection with the examination

to which attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Jing Lu FCCA (Fellow Chartered Certified Accountant)

Honorary Independent Examiner

11[th] April 2026

1

CAMDEN CHOIR

STATEMENT OF FINANCIAL ACTIVITIES (including Income and Expenditure Account) FOR THE YEAR ENDED 31 AUGUST 2025

INCOME
Subscriptions
term - 34/39/37 + yr/16 (bursaries 0)
Music hire/purchase
Friends (18) & benefactors (10)
Gift aided donations
Gift aid tax refund
Non gift aided donations
Rehearsal interval refreshments
Bank Interest
Autumn Concert 18 11 2023
Christmas concert 16 12 2023
Spring Concert 18 03 2024
Summer Concert 22 06 2024
Misc. / collection for Unicef
TOTAL INCOME
EXPENDITURE
Rehearsal costs - halls
Rehearsal costs - IE & substitutes
Rehearsal costs - Accompanists
Rehearsal costs - Choral Scholars
Music Costs
Autumn concert 16 11 2024
Christmas concert 21 12 2023
Spring Concert 08 03 2025
Summer Concert 14 06 2025
General & Recruitment Expenses
Making Music - sub & insurance
Bank charges
Contingencies / paid collection to Unicef
TOTAL EXPENSES
Surplus/deficit for the period
Reserves b/fwd. 1 September 2024
Reserves at 31 August 2025
Unrestricted
£
10,816.66
1,362.68
1,120.00
555.00
3,987.24
300.00
1,555.00
900.71
2,384.00
1,201.88
1,838.25
1,243.18
0.00
27,264.60
3,112.00
4,555.00
2,090.00
0.00
1,212.24
7,113.18
1,829.98
7,192.98
2,093.37
1,213.20
566.00
73.50
0.00
31,051.45
-3,786.85
44,560.33
40,773.48
Restricted
£
9,260.00
9,174.00
18,434.00
3,915.00
440.00
440.00
440.00
440.00
5,675.00
12,759.00
5,914.40
18,673.40
Total 2025
£
10,816.66
1,362.68
1,120.00
9,815.00
3,987.24
9,474.00
1,555.00
900.71
2,384.00
1,201.88
1,838.25
1,243.18
0.00
45,698.60
3,112.00
4,555.00
2,090.00
3,915.00
1,212.24
7,553.18
2,269.98
7,632.98
2,533.37
1,213.20
566.00
73.50
0.00
36,726.45
8,972.15
50,474.73
59,446.88
Unrestricted
£
9,650.00
1,332.55
1,040.00
381.20
3,937.58
11,351.80
1,530.00
867.54
1,712.48
1,179.49
1,949.08
1,138.65
393.12
36,463.49
2,611.00
4,390.00
0.00
0.00
1,230.06
8,042.47
1,576.55
1,931.97
2,226.15
1,073.51
564.12
63.75
393.12
24,102.70
12,360.79
32,199.54
44,560.33
Restricted
Total 2024
£
£
9,650.00
0.00
1,332.55
1,040.00
8,800.00
9,181.20
3,937.58
505.20
11,857.00
1,530.00
867.54
1,712.48
1,179.49
1,949.08
1,138.65
393.12
9,305.20
45,768.69
2,611.00
4,390.00
0.00
2,818.80
2,818.80
1,230.06
321.20
8,363.67
212.40
1,788.95
321.20
2,253.17
321.20
2,547.35
1,073.51
564.12
63.75
393.12
3,994.80
28,097.50
5,310.40
17,671.19
604.00
32,803.54
5,914.40
50,474.73

2024* - Accounts re-stated to separate restricted fund - Choral Scholars' Fund which started in 2024 season

2

CAMDEN CHOIR BALANCE SHEET AS 31 AUGUST 2025

Note 2025 2024
£ £ £ £
Current Assets
Debtors
- Music deposit 688.95 688.95
- Wine stock 126.90 30.46
- Gift aid tax refund 3,987.24 3,937.58
4,803.09 4,656.99
Cash at bank
- CAF Current a/c 1,260.55 3,451.57
- CAF Deposit a/c 43,978.61 29,346.38
- Scottish Widows - Deposit a/c 18,000.00 18,000.00
63,239.16 50,797.95
Creditors: amounts falling due within one
year
- Deferred income - subs etc. (6,659.00) (2,663.90)
- Choir Weekend (1,936.37) (2,316.31)
(8,595.37) (4,980.21)
Net current assets 59,446.88 50,474.73
Total net assets 59,446.88 50,474.73
The funds of the charity
Unrestricted funds 4 &5 40,773.48 44,560.33
Restricted funds 5 18,673.40 5,914.40
Total charity funds 59,446.88 50,474.73

3

Camden Choir Concerts Report 2024/2025

16-Nov-24 16-Nov-24 21-Dec-24 21-Dec-24 08-Mar-25 08-Mar-25 14-Jun-25 14-Jun-25
SMVPH Puccini etc.
SMVPH Xmas concert SMVPH - Handel & Schubert SMVPH - Dvorak etc.
actual budget actual budget actual budget actual budget
Ticket sales 2,024.00 2,121.00 951.88 987.00 1,458.25 1,460.00 923.18 1,000.00
Programme sales 0.00 0.00 0.00 0.00 0.00 0.00
Refreshments 360.00 360.00 250.00 251.00 280.00 330.00 220.00 200.00
Other receipts/ prog adv 0.00 0.00 0.00 0.00 100.00 100.00 100.00 0.00
TOTAL INCOME 2,384.00 2,481.00 1,201.88 1,238.00 1,838.25 1,890.00 1,243.18 1,200.00
Orchestra 3,781.50 3,782.00 0.00 0.00 2,471.50 1,941.00 0.00 0.00
Soloists 1,060.00 1,060.00 0.00 0.00 2,650.00 2,650.00 0.00 0.00
Conductor 1,300.00 1,300.00 900.00 900.00 1,300.00 1,300.00 900.00 900.00
Organists / Pianists 0.00 530.00 530.00 530.00 0.00 530.00 530.00 530.00
Choral Scholars x 4 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00
Advertising 36.60 41.00 18.00 18.00 32.10 32.00 0.00 30.00
SMVPH Venue hire inc corkage 255.00 255.00 210.00 210.00 252.00 255.00 261.00 210.00
Printing - programmes 76.99 77.00 52.00 52.00 92.50 110.00 100.49 80.00
Printing posters & leaflets 48.48 48.00 35.98 36.00 48.48 60.00 50.88 50.00
Music costs - performers 230.95 0.00 0.00 0.00 60.45 0.00 0.00 0.00
Organ /piano hire 0.00 60.00 60.00 60.00 30.00 60.00 60.00 60.00
Staging costs / piano tuner 0.00 0.00 0.00 0.00 0.00 0.00 80.00 0.00
Gifts 45.00 45.00 0.00 30.00 98.89 93.00 75.00 30.00
Van hire 156.03 156.00 0.00 0.00 157.06 157.00 0.00 0.00
Refreshment expenses 122.63 209.00 24.00 104.00 0.00 126.00 36.00 110.00
Miscellaneous 0.00 0.00 0.00 50.00 0.00 50.00 0.00 50.00
TOTAL EXPENSES 7,553.18 8,003.00 2,269.98 2,430.00 7,632.98 7,804.00 2,533.37 2,490.00
DEFICIT -5,169.18 -5,522.00
-1,068.10
-1,192.00 -5,794.73 -5,914.00 -1,290.19 -1,290.00
Sponsorship 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET DEFICIT -5,169.18 -5,522.00
-1,068.10
-1,192.00 -5,794.73 -5,914.00 -1,290.19 -1,290.00

4

Notes to the Accounts for the year ended 31st August 2025

1. Principal accounting policies

These accounts have been prepared on the basis of historic cost in accordance with Accounting and Reporting by Charities – Statement of Recommended Practice (SORP 2005) and with Financial Reporting Standards for Smaller Enterprises (FRSSE).

Income from legacies and donations are included in the Statement of Financial Activities when received. Subscription income is included in the Statement of Financial Activities in the year to which it relates to.

Resources expended are included in the Statement of Financial Activities on an accruals basis, inclusive of any VAT.

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. Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors.

2. Camden Choir Musical Weekend / Away-day

From 2014 to 2021 there was a specially designated account with CAF Bank to cover past Musical Weekends. A decision was taken to close this account to avoid extra bank charges. £1,850.73 was transferred on 2 September 2021, just after the start of the 2021/22 financial year. It was later decided to have an Away-day, rather than a full Weekend. The finances continued to be managed separately, though receipts and payments were within the main Camden Choir bank account, the Choir continuing to have a supervisory and safeguarding role. The Musical Weekend / Away-day figures, current reserves having decreased to £1,936.37 due to a small loss in July singing day in St Botolph’s, are presented in a separate account.

3. Bursary Fund

In November 2012 a new fund was set up by specific donations totalling £1,000 to replace the London Borough of Camden Bursary. This bursary is restricted to the support of singers with limited means. They no longer need to be residents of London Borough of Camden. It is treated as a special reserve to be used for individual bursaries. No bursaries were granted during the 2024/25 season.

4. Movements in fund

Unrestricted Funds
Restricted funds
Total Funds
At
1 September
2024
£
44,560.33
5,914.40
50,474.73
Incoming
Resources
£
27,264.60
18,434.00
45,698.60
Resources
Expended
£
-31,051.45
-5,675.00
-36,727.45
At
31 August
2025
£
40,773.48
18,673.40
59,446.88

5. Restricted funds

Opening balance at 1st Sep 2024
New funds received
Expenses
Closing funds at 31 August 2025
Choral
Scholars' Fund
£
5,310.40
10,360.00
-5,675.00
9,995.40
Lyndon van der
Pump legacy
Fund
£
0.00
8,074.00
0.00
8,074.00
Bursary Fund
£
604.00
0.00
0.00
604.00
Total
£
5,914.40
18,434.00
-5,675.00
18,673.40

5

INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF CAMDEN CHOIR

I report to the trustees on my examination of the accounts of Camden Choir for the year ended 31 August 2025 which are set out on pages 2 to 5.

Responsibilities and basis of report

As the charity trustees, you are responsible for the preparation of the accounts in accordance with the Charities Act 2011 (“the Act”).

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

Independent examiner's statement

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

I have no concerns and have come across no other matters in connection with the examination

to which attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Jing Lu FCCA (Fellow Chartered Certified Accountant)

Honorary Independent Examiner

11[th] April 2026

1

CAMDEN CHOIR

STATEMENT OF FINANCIAL ACTIVITIES (including Income and Expenditure Account) FOR THE YEAR ENDED 31 AUGUST 2025

INCOME
Subscriptions
term - 34/39/37 + yr/16 (bursaries 0)
Music hire/purchase
Friends (18) & benefactors (10)
Gift aided donations
Gift aid tax refund
Non gift aided donations
Rehearsal interval refreshments
Bank Interest
Autumn Concert 18 11 2023
Christmas concert 16 12 2023
Spring Concert 18 03 2024
Summer Concert 22 06 2024
Misc. / collection for Unicef
TOTAL INCOME
EXPENDITURE
Rehearsal costs - halls
Rehearsal costs - IE & substitutes
Rehearsal costs - Accompanists
Rehearsal costs - Choral Scholars
Music Costs
Autumn concert 16 11 2024
Christmas concert 21 12 2023
Spring Concert 08 03 2025
Summer Concert 14 06 2025
General & Recruitment Expenses
Making Music - sub & insurance
Bank charges
Contingencies / paid collection to Unicef
TOTAL EXPENSES
Surplus/deficit for the period
Reserves b/fwd. 1 September 2024
Reserves at 31 August 2025
Unrestricted
£
10,816.66
1,362.68
1,120.00
555.00
3,987.24
300.00
1,555.00
900.71
2,384.00
1,201.88
1,838.25
1,243.18
0.00
27,264.60
3,112.00
4,555.00
2,090.00
0.00
1,212.24
7,113.18
1,829.98
7,192.98
2,093.37
1,213.20
566.00
73.50
0.00
31,051.45
-3,786.85
44,560.33
40,773.48
Restricted
£
9,260.00
9,174.00
18,434.00
3,915.00
440.00
440.00
440.00
440.00
5,675.00
12,759.00
5,914.40
18,673.40
Total 2025
£
10,816.66
1,362.68
1,120.00
9,815.00
3,987.24
9,474.00
1,555.00
900.71
2,384.00
1,201.88
1,838.25
1,243.18
0.00
45,698.60
3,112.00
4,555.00
2,090.00
3,915.00
1,212.24
7,553.18
2,269.98
7,632.98
2,533.37
1,213.20
566.00
73.50
0.00
36,726.45
8,972.15
50,474.73
59,446.88
Unrestricted
£
9,650.00
1,332.55
1,040.00
381.20
3,937.58
11,351.80
1,530.00
867.54
1,712.48
1,179.49
1,949.08
1,138.65
393.12
36,463.49
2,611.00
4,390.00
0.00
0.00
1,230.06
8,042.47
1,576.55
1,931.97
2,226.15
1,073.51
564.12
63.75
393.12
24,102.70
12,360.79
32,199.54
44,560.33
Restricted
Total 2024
£
£
9,650.00
0.00
1,332.55
1,040.00
8,800.00
9,181.20
3,937.58
505.20
11,857.00
1,530.00
867.54
1,712.48
1,179.49
1,949.08
1,138.65
393.12
9,305.20
45,768.69
2,611.00
4,390.00
0.00
2,818.80
2,818.80
1,230.06
321.20
8,363.67
212.40
1,788.95
321.20
2,253.17
321.20
2,547.35
1,073.51
564.12
63.75
393.12
3,994.80
28,097.50
5,310.40
17,671.19
604.00
32,803.54
5,914.40
50,474.73

2024* - Accounts re-stated to separate restricted fund - Choral Scholars' Fund which started in 2024 season

2

CAMDEN CHOIR BALANCE SHEET AS 31 AUGUST 2025

Note 2025 2024
£ £ £ £
Current Assets
Debtors
- Music deposit 688.95 688.95
- Wine stock 126.90 30.46
- Gift aid tax refund 3,987.24 3,937.58
4,803.09 4,656.99
Cash at bank
- CAF Current a/c 1,260.55 3,451.57
- CAF Deposit a/c 43,978.61 29,346.38
- Scottish Widows - Deposit a/c 18,000.00 18,000.00
63,239.16 50,797.95
Creditors: amounts falling due within one
year
- Deferred income - subs etc. (6,659.00) (2,663.90)
- Choir Weekend (1,936.37) (2,316.31)
(8,595.37) (4,980.21)
Net current assets 59,446.88 50,474.73
Total net assets 59,446.88 50,474.73
The funds of the charity
Unrestricted funds 4 &5 40,773.48 44,560.33
Restricted funds 5 18,673.40 5,914.40
Total charity funds 59,446.88 50,474.73

3

Camden Choir Concerts Report 2024/2025

16-Nov-24 16-Nov-24 21-Dec-24 21-Dec-24 08-Mar-25 08-Mar-25 14-Jun-25 14-Jun-25
SMVPH Puccini etc.
SMVPH Xmas concert SMVPH - Handel & Schubert SMVPH - Dvorak etc.
actual budget actual budget actual budget actual budget
Ticket sales 2,024.00 2,121.00 951.88 987.00 1,458.25 1,460.00 923.18 1,000.00
Programme sales 0.00 0.00 0.00 0.00 0.00 0.00
Refreshments 360.00 360.00 250.00 251.00 280.00 330.00 220.00 200.00
Other receipts/ prog adv 0.00 0.00 0.00 0.00 100.00 100.00 100.00 0.00
TOTAL INCOME 2,384.00 2,481.00 1,201.88 1,238.00 1,838.25 1,890.00 1,243.18 1,200.00
Orchestra 3,781.50 3,782.00 0.00 0.00 2,471.50 1,941.00 0.00 0.00
Soloists 1,060.00 1,060.00 0.00 0.00 2,650.00 2,650.00 0.00 0.00
Conductor 1,300.00 1,300.00 900.00 900.00 1,300.00 1,300.00 900.00 900.00
Organists / Pianists 0.00 530.00 530.00 530.00 0.00 530.00 530.00 530.00
Choral Scholars x 4 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00
Advertising 36.60 41.00 18.00 18.00 32.10 32.00 0.00 30.00
SMVPH Venue hire inc corkage 255.00 255.00 210.00 210.00 252.00 255.00 261.00 210.00
Printing - programmes 76.99 77.00 52.00 52.00 92.50 110.00 100.49 80.00
Printing posters & leaflets 48.48 48.00 35.98 36.00 48.48 60.00 50.88 50.00
Music costs - performers 230.95 0.00 0.00 0.00 60.45 0.00 0.00 0.00
Organ /piano hire 0.00 60.00 60.00 60.00 30.00 60.00 60.00 60.00
Staging costs / piano tuner 0.00 0.00 0.00 0.00 0.00 0.00 80.00 0.00
Gifts 45.00 45.00 0.00 30.00 98.89 93.00 75.00 30.00
Van hire 156.03 156.00 0.00 0.00 157.06 157.00 0.00 0.00
Refreshment expenses 122.63 209.00 24.00 104.00 0.00 126.00 36.00 110.00
Miscellaneous 0.00 0.00 0.00 50.00 0.00 50.00 0.00 50.00
TOTAL EXPENSES 7,553.18 8,003.00 2,269.98 2,430.00 7,632.98 7,804.00 2,533.37 2,490.00
DEFICIT -5,169.18 -5,522.00
-1,068.10
-1,192.00 -5,794.73 -5,914.00 -1,290.19 -1,290.00
Sponsorship 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET DEFICIT -5,169.18 -5,522.00
-1,068.10
-1,192.00 -5,794.73 -5,914.00 -1,290.19 -1,290.00

4

Notes to the Accounts for the year ended 31st August 2025

1. Principal accounting policies

These accounts have been prepared on the basis of historic cost in accordance with Accounting and Reporting by Charities – Statement of Recommended Practice (SORP 2005) and with Financial Reporting Standards for Smaller Enterprises (FRSSE).

Income from legacies and donations are included in the Statement of Financial Activities when received. Subscription income is included in the Statement of Financial Activities in the year to which it relates to.

Resources expended are included in the Statement of Financial Activities on an accruals basis, inclusive of any VAT.

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. Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors.

2. Camden Choir Musical Weekend / Away-day

From 2014 to 2021 there was a specially designated account with CAF Bank to cover past Musical Weekends. A decision was taken to close this account to avoid extra bank charges. £1,850.73 was transferred on 2 September 2021, just after the start of the 2021/22 financial year. It was later decided to have an Away-day, rather than a full Weekend. The finances continued to be managed separately, though receipts and payments were within the main Camden Choir bank account, the Choir continuing to have a supervisory and safeguarding role. The Musical Weekend / Away-day figures, current reserves having decreased to £1,936.37 due to a small loss in July singing day in St Botolph’s, are presented in a separate account.

3. Bursary Fund

In November 2012 a new fund was set up by specific donations totalling £1,000 to replace the London Borough of Camden Bursary. This bursary is restricted to the support of singers with limited means. They no longer need to be residents of London Borough of Camden. It is treated as a special reserve to be used for individual bursaries. No bursaries were granted during the 2024/25 season.

4. Movements in fund

Unrestricted Funds
Restricted funds
Total Funds
At
1 September
2024
£
44,560.33
5,914.40
50,474.73
Incoming
Resources
£
27,264.60
18,434.00
45,698.60
Resources
Expended
£
-31,051.45
-5,675.00
-36,727.45
At
31 August
2025
£
40,773.48
18,673.40
59,446.88

5. Restricted funds

Opening balance at 1st Sep 2024
New funds received
Expenses
Closing funds at 31 August 2025
Choral
Scholars' Fund
£
5,310.40
10,360.00
-5,675.00
9,995.40
Lyndon van der
Pump legacy
Fund
£
0.00
8,074.00
0.00
8,074.00
Bursary Fund
£
604.00
0.00
0.00
604.00
Total
£
5,914.40
18,434.00
-5,675.00
18,673.40

5