OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator.

2025-04-05-accounts

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

Registered Charity No. 327402

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Accounts

For the year ended 5 April 2025

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Contents

Page
Report of the trustees 1 - 4
Independent examiners' report 5
Statement of financial activities 6
Balance sheet 7
Notes to the accounts 8 – 16

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Report of the trustees

For the year ended 5 April 2025

The Joanna Herbert-Stepney 1986 Charitable Settlement was created under a Deed of Settlement dated 25 June 1986 between Joanna Herbert-Stepney ("the settlor") and Judy Ryland ("the original trustee"), and is a registered charity, number 327402. The initial trust capital was gifted by the settlor. The Charity is otherwise known as 'The Paget Charitable Trust'.

The trustees have adopted the provisions of 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 (effective 1 January 2019).

The principal addresses of the Charity are as follows:

Principal office Old Village Stores
Dippenhall Street
Crondall
Farnham
Surrey
GU10 5NZ
Registered auditors Saffery LLP
Westpoint
Peterborough Business Park
Lynch Wood
Peterborough
PE2 6FZ
Solicitors Actons
20 Regent Street
Nottingham
Nottinghamshire
NG1 5BQ
Property agents and Mather Jamie
advisors 3 Bank Court
Weldon Road
Loughborough
Leicestershire
LE11 5RF
Investment managers Rathbone Greenbank Investments Limited
10 Queen Street
Bristol
BS1 4NT

Page 1

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Report of the trustees (Continued) For the year ended 5 April 2025

Objectives and activities

Objects

Under the terms of the Charitable Settlement:

Significant activities

The activities of the Trust comprise the rental of land and property and the management of an investment portfolio. All assets are held in order to provide funds for donations. The management of the assets is undertaken by agents on behalf of the trustees and under their instructions.

Election and training of Trustees

The power of appointing new trustees is vested in the settlor during her lifetime and subject thereto in such person or persons as the settlor shall by Deed or Will or Codicil appoint. Trustees are provided with appropriate training when first appointed.

Organisational structure

The Charity is run by the trustees, with all decisions being taken by a majority of trustees present at any duly constituted meeting. The trustees who served during the year are set out below:

Joanna Herbert-Stepney Vivienne Matravers Mark Dutton – appointed on 6 May 2025 Martin Ward – appointed on 6 May 2025

Page 2

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Report of the trustees (Continued) For the year ended 5 April 2025

Achievements and performance

Progress and achievements

During the year to 5 April 2025, the trustees have made donations to seventy-one charitable institutions totalling £143,500. The charitable institutions supported vary from UK based to overseas and cover a multitude of different causes, which are listed in note 10 of the accounts. The trustees feel that this approach of donating to a wide variety of charitable causes enables the Trust to best provide benefit to the public.

The Trust's investment portfolio has decreased compared to last year. Realised losses of £48,443 and unrealised losses of £46,664 have been recognised within the Statement of Financial Activities. The net loss recognised in relation to the investment portfolio amounts to £76,557.

Financial review

Total income for the year increased to £257,626 (2024: £228,702) with £40,000 being included in the expendable endowment fund (2024: £Nil) and £217,626 (2024: £228,702) being unrestricted income fund. Expenditure increased to £265,738 (2024: £237,970). Of this sum, charitable donations amounted to £143,500 (2024: £124,500).

After recognised gains and losses, net movement in funds amounted to a surplus of £119,993 as compared to a deficit of £34,131 for the year ended 5 April 2024. Total funds as at 5 April 2025 amount to £13,070,553 as compared with £12,950,560 at 5 April 2024. As at 5 April 2025 Unrestricted Income Fund amounted to £48,016 (2024: £Nil) and Expendable Endowment Fund amounted to £13,022,537 (2024: £12,950,560).

Future plans

The trustees' future plans are to continue to generate funds from the assets held in order to maintain a similar real level of donations in future years.

Investment policy

The trustees have reviewed their investment policy and remain committed to ethical investments. The investment portfolio is managed by Rathbone Greenbank Investments Limited on behalf of the trustees, who have determined the overall objectives within the confines of the ethical investment aim.

Reserves policy

It is the policy of the trustees to materially distribute surplus income in accordance with the charitable objects of the Trust. The trustees seek to maintain capital reserves at a level sufficient to derive an annual income to enable a continuing level of support to be provided to a wide range of charitable causes and also have sufficient resource to enable the capital assets to be maintained in a good state of repair. At the year end the trustees held free reserves of nil (2024: nil).

Major risks

The trustees have undertaken an assessment of the major risks which may potentially impact upon the Trust. They have concluded that these relate largely to the freehold property and investment portfolio which represent the Trust's capital assets. The trustees employ professional advisers to manage these investments, in order to mitigate the risks and to minimise their financial impact. Land agents Mather Jamie manage the freehold property portfolio, with Rathbone Greenbank Investments Limited advising in respect of equity and bond investments.

Page 3

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Report of the trustees (Continued) For the year ended 5 April 2025

Statement of Trustees' responsibilities

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

The law applicable to charities in England & Wales 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 and of the incoming resources and application of resources of the Charity for that period. In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the Charity and enable them to ensure that the financial statements 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.

Public benefit

The trustees are aware of the requirements as to public benefit and the Charity Commission's guidance on this topic. The trustees are satisfied that they meet the public benefit requirement by supporting a wide range of charitable activities. Although it is not up to the trustees to 'police' the delivery of public benefit by the charities which they support, they have this in mind when considering applications. The trustees consider each application from other charities on their individual merits and research each one to ensure they are for public benefit before making any donation. The trustees manage the expendable endowment fund in order to maximise income available for distribution. However, they do so with public benefit in mind and investments are made on an ethical basis and due consideration is given to those in financial need throughout the management of the Charity’s activities.

On behalf of the Trustees

Joanna Herbert-Stepney

Date: 05 January 2026

Page 4

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Independent examiner's report to the trustees of the Joanna Herbert-Stepney Charitable Settlement

For the year ended 5 April 2025

I report to the trustees on my examination of the accounts of the Joanna Herbert-Stepney Charitable Settlement (the Trust) for the year ended 5 April 2025.

Respective Responsibilities of trustees and examiner

As the Charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of 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.

Basis of independent examiner’s report

My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the Charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statement below.

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 giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Trust as required by section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair view’ which is not a matter considered as part of an independent examination.

I have no 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 accounts to be reached.

Gareth Norris FCA Westpoint, Peterborough Business Park Saffery LLP Lynch Wood, Peterborough Cambridgeshire Chartered Accountants PE2 6FZ

Chartered Accountants Registered Auditors

Date:…………………… 20 January 2026

Page 5

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Statement of financial activities For the year ended 5 April 2025

Unrestricted
Expendable
income
endowment
fund
fund
Notes
£
£
Income and endowments from:
Donations and legacies
-
40,000
Investments
7
213,860
-
Other income
8
3,766
-
Total income and endowments
217,626
40,000
Expenditure on:
Raising funds
9
(18,904)
(96,128)
Charitable activities
10
(150,706)
-
Total expenditure
(169,610)
(96,128)
Net gains/(losses) on investments
4
-
128,105
Net (expenditure) / income
48,016
71,977
Net income fund deficit charged to
expendable endowment fund
-
-
Net movement in funds
48,016
71,977
Fund balances brought forward
-
12,950,560
Fund balances carried forward
48,016
13,022,537
Total
2025
£
40,000
213,860
3,766
257,626
(115,032)
(150,706)
(265,738)
128,105
119,993
-
119,993
12,950,560
13,070,553
Total
2024
£
1,000
215,898
11,804
228,702
(92,214)
(145,756)
(237,970)
(24,863)
(34,131)
-
(34,131)
12,984,691
12,950,560

The statement of financial activities has been prepared on the basis that all operations are continuing operations.

Page 6

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Balance sheet As at 5 April 2025

2025 2024 2024
Notes £ £ £ £
£
Fixed assets
Freehold investment property 2 11,497,520 11,272,348
Investments 3 1,410,690 1,536,047
12,908,210 12,808,395
Current assets
Debtors 5 89,408 77,598 77,598
Cash at bank 78,222 76,069
Cash at brokers 19,662 8,347
187,292 162,014 162,014
Current liabilities
Creditors 6 (24,949) (19,849) (19,849)
Net current assets 162,343 142,165
Total assets less current 13,070,553 12,950,560
liabilities
Unrestricted funds:
Expendable endowment fund 13,022,537 12,950,560
Unrestricted income fund 48,016 -
13,070,553 12,950,560

The financial statements were approved by the Trustees on 05 January 2026

Joanna Herbert-Stepney

Vivienne Matravers

Mark Dutton

Martin Ward

Page 7

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts For the year ended 5 April 2025

Charity information

The Paget Charitable Trust is a charity domiciled and incorporated in England and Wales. The registered office is Old Village Stores, Dippenhall Street, Crondall, Farnham, Surrey, GU10 5NZ.

1 Accounting policies

1.1 Accounting convention

These financial statements for the year ended 5 April 2025 are prepared in accordance with FRS 102, The Financial Reporting Framework applicable in the UK and Republic of Ireland, and in accordance with the Charities Act 2011.

The financial statements have been prepared under the historical cost convention as modified by the revaluation of investments and freehold property and in accordance with the applicable accounting standards. The financial statements have been prepared in accordance with the Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102 effective 1 January 2019) – (Charities SORP (FRS 102)) the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

The Trustees confirm that the Charity is a public benefit entity.

1.2 Critical accounting judgements and key sources of estimation uncertainty

In the application of the Charity’s accounting policies, the Trustees are required to make judgements, estimates and assumptions about the carrying amounts 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 if the revision affects only that period or in the period of the revision and future periods if the revision affects both current and future periods.

The Trustees do not consider there are any critical judgements or sources of estimation uncertainty requiring disclosure.

1.3 Going concern

The Trustees do not carry out any formal forecasts or projections, however, given that the majority of the expenditure is discretionary, they are confident that the Charitable Trust will remain a going concern for the foreseeable future.

1.4 Income

The incoming resources of the Charity are recognised on a receivable basis, except for donations. Donations are included in incoming resources when the Charity has entitlement to the income, receipt is probable and the amount can be quantified with reasonable accuracy. Income from investments is accounted for when receivable. Tax recoverable relating to donations under Gift Aid is accounted for in the same period as the related income.

Page 8

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

1.5 Expenditure

Costs of charitable activities represents amounts expended for the specific purposes designated by the Trustees, as directed by the objects of the Trust. Expenditure on raising funds includes investment management costs, which represents costs relating to the day to day management of the investment assets.

Included in charitable activities are governance costs which relate to expenditure incurred in the management of the Charity, administration and compliance with constitutional and statutory requirements. Other costs relate to costs incurred in generating income. All liabilities are recognised on an accruals basis.

Support costs are allocated to each category of expenditure based on the proportion of donations made to each region.

1.6 Fixed assets

The Charity does not hold any fixed assets other than freehold investment properties. Additions to investment properties are capitalised where the value is in excess of £1,000.

1.7 Freehold investment properties

Freehold investment properties are stated at market value and are not depreciated. As at 31 March 2025 the Trustees reviewed the market in which the investment properties fell, with support from their property agents and advisors and deemed a revaluation unnecessary.

1.8 Investments

Listed investments are stated at market value. Changes in the market value of fixed asset investments are taken to the Statement of Financial Activities as unrealised losses and gains.

1.9 Funds

The funds in existence are an Unrestricted Income Fund and an Expendable Endowment Fund. The Expendable Endowment Fund consists of all the Charity's assets and is available for maintaining those assets or in making donations. The Unrestricted Income Fund represents income received on the Charity's investments and is utilised in making donations throughout the year.

1.10 Taxation

The Charity is a registered charity and is not liable to United Kingdom income tax on its charitable activities.

1.11 Deferred income

In accordance with SORP 2019 (Accounting by Charities), unrestricted funds received for rental income for the next year are carried forward in the balance of unrestricted funds.

1.12 Financial instruments

The Charity only has financial assets and liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and are subsequently measured at their settlement value.

Page 9

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

1.13 Cash and cash equivalents

Cash at bank and cash 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 Freehold investment property

----- Start of picture text -----
£
Valuation
Cost as at 6 April 2024 2,671,584
Revaluation as at 6 April 2024 8,600,764
Valuation at 6 April 2024 11,272,348
Capital Improvements
- Chimney works 1,980
Revaluation as at 5 April 2025 223,192
Valuation at 5 April 2025 11,497,520
----- End of picture text -----

A revaluation of the investment properties was deemed necessary at the balance sheet date by the Trustees.

Page 10

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

3 Investments

Listed
Investments
£
Market value
At 6 April 2024 1,536,047
Additions 608,901
Disposals at carrying value (639,171)
Net gain/(loss) on revaluation (95,087)
At 5 April 2025 1,410,690
Holdings split
UK investments 845,928
Overseas investments 564,762
At 5 April 2025 1,410,690
Cost
At 6 April 2024 1,459,722
Additions 608,902
Disposals (687,615)
At 5 April 2025 1,381,009

All listed investments are held primarily to provide an investment return for the Charity.

Page 11

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

4
Gains/(losses) on investment assets
Realised
Sales of listed investments
Sale of investment property
Unrealised
Revaluation of freehold investment property
Revaluation of listed investments
5
Debtors
Rents receivable
Other debtors
Deposits
6
Creditors
Trade creditors
Deposits held
Accruals and deferred income
Other creditors
Value added tax
2025
£
(48,443)
-
223,192
(46,644)
128,105
2025
£
68,228
17,282
3,898
89,408
2025
£
1,705
3,898
10,473
-
8,873
24,949
2024
£
(1,129)
-
-
(23,734)
(24,863)
2024
£
63,351
10,349
3,898
77,598
2024
£
504
3,898
9,862
269
5,316
19,849

Included in accruals and deferred income is rental income of £925 which has been received but does not relate to the period (2024: £925).

Page 12

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

7 Income from investments

Unrestricted
Expendable
Income
Endowment
Fund
Fund
£
£
Farm rents receivable
120,148
-
Cottage rents receivable
52,188
-
Wayleaves
1,962
-
Sporting rents receivable
725
-
Bank interest receivable
1,853
-
Dividends receivable
33,067
-
Broker interest receivable
3,917
-
213,860
-
8
Other income
Unrestricted
Expendable
Income
Endowment
Fund
Fund
£
£
Other income
3,766
-
Total
2025
£
120,148
52,188
1,962
725
1,853
33,067
3,917
213,860
Total
2025
£
3,766
Total
2024
£
115,385
51,960
1,937
725
2,183
38,180
5,528
215,898
Total
2024
£
`11,804

Page 13

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

9 Raising funds

Unrestricted
Expendable
Total
Income
Endowment
2025
Fund
Fund
£
£
£
Rates
1,052
-
1,052
Insurance
9,435
-
9,435
Building repairs
-
67,679
67,679
Professional fees
8,260
-
8,260
Investment
management fees
-
9,767
9,767
Property management
fees
-
18,682
18,682
Bank charges
15
-
15
Sundry expenses
142
-
142
18,904
96,128
115,032
10
Charitable activities
Region
Donations
Support
Total
made
costs
2025
£
£
£
Africa
-
-
-
Eastern Europe
-
-
-
Far East
-
-
Middle East
-
-
-
India
1,000
-
1,000
Thailand
-
-
-
South America
-
-
-
International
-
-
-
UK
142,500
7,206
149,706
143,500
7,206
150,706
Total
2025
£
1,052
9,435
67,679
8,260
9,767
18,682
15
142











Total
2024
£
834
7,916
55,454
-
9,952
18,058
-
-
115,032 92,214
Total
2024
£
-
-
1,171
-
-
-
-
-
144,585
145,756

Support costs totalled £7,206 in the current year in comparison to £21,256 in 2024. This decrease is due to the costs relating to audit in the prior year in comparison to independent examination this year.

Page 14

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

11 Employees / Related Party Transactions

There were no employees during the year and therefore no employees received benefits of more than £60,000.

No Trustee, or persons connected with the Trustees, received any remuneration or were reimbursed any expenses from the Charity during the year (2024: None).

12 Analysis of net assets between funds

Last fund balances at 5 April 2025:
Fixed assets
Current assets
Current liabilities
Last fund balances at 5 April 2024:
Fixed assets
Current assets
Current liabilities
Unrestricted
Income
Fund
£
-
72,965
(24,949)
48,016
Unrestricted
Income
Fund
£
-
19,849
(19,849)
-
Expendable
Endowment
Fund
£
12,908,210
114,327
-
13,022,537
Expendable
Endowment
Fund
£
12,808,395
142,165
-
12,950,560
Total
2025
£
12,908,210
187,292
(24,949)
13,070,553
Total
2024
£
12,808,395
162,014
(19,849)
12,950,560

Page 15

Docusign Envelope ID: 8001A648-4D85-4EDB-94A4-451BE6BAC3B1

The Trustees of the Joanna Herbert-Stepney Charitable Settlement Otherwise known as The Paget Charitable Trust

Notes to the accounts (continued) For the year ended 5 April 2025

13

Comparative information – Statement of Financial Activities for the year ended 5 April 2024

Income and endowments from:
Donations and legacies
Investments
Other income
Total income and endowments
Expenditure on:
Raising funds
Charitable activities
Total expenditure
Net (losses)/gains on investments
Net (expenditure)/income
Transfer from expendable endowment fund
Net movement in funds
Fund balances brought forward
Fund balances carried forward
Unrestricted
income
fund
£
1,000
215,898
11,804
228,702
(92,214)
(145,756)
(237,970)
-
(9,268)
9,268
-
-
-
Expendable
endowment
fund
£
-
-
-
-
-
-
-
(24,863)
(24,863)
(9,268)
(34,131)
12,984,691
12,950,560
Total
2024
£
1,000
215,898
11,804
228,702
(92,214)
(145,756)
(237,970)
(24,863)
(34,131)
-
(34,131)
12,984,691
12,950,560

Page 16