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2025-04-05-accounts

CHARITY COMMISSION

Cooper Pattinson's Trust Homes

Registration number: 502457

Annual Report and Financial Statements

5 April 2025

Cooper Pattinson's Trust Homes

Contents

Reference and Administrative Details 1
Trustees' report 2
Trustees' responsibilities 4
Independent examiner's report 5
Statement of financial activities 6
Balance sheet 7
Notes to the financial statements 8

Cooper Pattinson's Trust Homes Reference and Administrative Details

Charity name Cooper Pattinson's Trust Homes Cooper Pattinson's Trust Homes
Charity registration number 502457
Principal office Rayriggs Estates Ltd
Rayrigg Road
Windermere
LA23 1BW
LA23 1BW
Registered office Rayriggs Estates Ltd
Rayrigg Road
Windermere
LA23 1BW
LA23 1BW
Trustees Mrs D R Matthews
Mrs J M Leigh (appointed 17 December 2024)
Mr M G P Matthews
Mrs B M Hibbert (appointed 10 August 2024)
Mr P G Matthews (resigned 1 June 2024)
Mr A D Bromley (resigned 1 September 2024)
Accountant Dodd & Co Limited
FIFTEEN Rosehill
Montgomery Way
Rosehill Estate
CARLISLE
CA1 2RW

Page 1

Cooper Pattinson's Trust Homes

Trustees' Report for the Year Ended 5 April 2025

The financial statements have been prepared in accordance with the accounting policies set out in the notes to the accounts and comply with the charity’s governing document, 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.

Objectives and activities

a. Policies and objectives

The objective of the Charity is by charitable means but not otherwise, to provide and maintain dwelling houses, flats or other residential accommodation for the residence and use of persons who are aged or infirm, or unable to obtain employment because of ill health or other disability, but who are fully able to care for themselves and who are in need of financial assistance in the provision of suitable residential accommodation of the type provided by the Charity in the Westmorland and Furness District and who are preferably:

In setting objectives and planning for activities, the Trustees have given due consideration to general guidance published by the Charity Commission relating to public benefit, including the guidance 'Public benefit: running a charity (PB2)".

b. Main activities undertaken to further the Charity's purposes for the public benefit

The Trustees have considered the guidance published by the Charity Commission in relation to public benefit and confirm that they adhere to this guidance. The Trustees believe that the charity's objectives and activities ensure that it assists a variety of beneficiaries within Westmorland and Furness District.

Achievements and performance

a. Main achievements of the Charity

During the year under review, the Trustees fulfilled their objectives by providing accommodation in 14 bungalows in Rayrigg Gardens, 8 flats in Hunter House and 2 bungalows designed specifically for the disabled known as Llewellyn Cottages. The only full-time employee is a resident manager for whom accommodation is provided in a separate warden / manager's flat within Hunter House. There is also a part time self-employed gardener.

The financial statements show that the income of the Trust has been fully utilised in providing accommodation and warden support during the year, and in transferring sums to the designated funds recommended by the Almhouse Association.

The Trust has completed substantial refurbishment to some of its properties in recent years and strives to maintain a high level of standard within all of its accommodation.

The site formerly known as the Windermere Garden Centre has been leased to Lakeland Gardens Ltd.

Financial review

a. Going concern

After making appropriate enquiries, the Trustees have a reasonable expectation that the Charity has adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the financial statements.

b. Reserves policy

The Trustees have reviewed the level of reserves held by the Charity. The review encompassed the nature of the income and expenditure streams and the nature of the reserves held by the Charity.

Page 2

Cooper Pattinson's Trust Homes

Trustees' Report for the Year Ended 5 April 2025

The review concluded that to allow the Charity to be managed efficiently and to provide a buffer for uninterrupted service, a level of free reserves amounting to £100,000 should be maintained. This equates to approximately 14 months of unrestricted fund expenditure. The trustees believe that should the activities of the Charity cease they would require this amount of time in order to re-house all of the residents of the properties owned by the Charity.

The analysis of net assets between funds (note 18 in the financial statements) shows that unrestricted free reserves (i.e. excluding tangible fixed assets) amounted to £293,449 (2024 - £263,770) as of the balance sheet date.

c. Investment powers and restrictions

The Trustees have absolute discretion to invest in any stocks, funds, securities or investments authorised by law for the investment of trust funds or in the purchase, repair or improvement of any freehold or leasehold property whether or not required in whole or in part for occupation for the purposes of the Trust.

d. Risk management

The Trustees have considered the risks that face the charity through its operating activities and consider all risks when making decisions which affect the charity financially, strategically and operationally.

Structure, governance and management

a. Governing document

Cooper Pattinson’s Trust Homes is administered from Rayrigg Road, Windermere, Cumbria, LA23 1BW and is registered as a charity number 502457 with the Charity Commissioners. It is constituted by a Deed of Trust dated 14 May 1973 as amended by an order of the Commissioners on 18 November 1969.

b. Methods of appointment or election of Trustees

The affairs of the Charity are managed and conducted by the Trustees who have full power to act in the name of and on behalf of the Charity in the furtherance of its objectives. The number of Trustees shall not exceed six and shall not be less than two. The power of appointing new Trustees is vested in the surviving or continuing Trustees for the time being.

c. Pay policy for key management personnel

The Trustees consider the Board of Trustees as comprising the key management personnel of the charity in charge of directing and controlling the charity and running and operating the charity on a day to day basis. All Trustees give of their time freely and no Trustee remuneration was paid in the year. Details of Trustee expenses and related party transactions are disclosed in note 7 to the accounts.

Plans for future periods

The Trust owns further land which may be available for future improvements or extensions to residents’ facilities.

The Trustees are building up reserves out of contributions from residents with a view to improving or extending the accommodation.

Approved by the Trustees on 23 January 2026 and signed on their behalf by:

Mrs D R Matthews Trustee

Mr M G P Matthews Trustee

Page 3

Cooper Pattinson's Trust Homes

Trustees' Responsibilities in relation to the Financial Statements

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

The law applicable to charities in England and 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 as amended by the Charities Act 2022, the Charity (Accounts and Reports) Regulations and the provisions of the trust deed. They are responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Page 4

Independent Examiner's Report to the Trustees of

Cooper Pattinson's Trust Homes

I report on the accounts of the charity for the year ended 5 April 2025, which are set out on pages 6 to 17.

Your attention is to drawn to the fact that the Charity has prepared the financial statements in accordance with Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice issued on 1 April 2005 which is referred to in the extant regulations but has since been withdrawn.

We understand that this has been done in order for the accounts to provide a true and fair view in accordance with the Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January 2019.

Respective responsibilities of trustees and examiner

The Charity's trustees are responsible for the preparation of the accounts. The trustees consider that an audit is not required for this year under section 144(2) of the Charities Act 2011 as amended by the Charities Act 2022 (the Act) and that an independent examination is needed.

It is my responsibility to:

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

In connection with my examination, no matter has come to my attention:

have not been met; or

......................................... (——~ Joanne Thomlinson FCA Dodd & Co Limited Chartered Accountants

FIFTEEN Rosehill Montgomery Way Rosehill Estate CARLISLE CA1 2RW

23 January 2026

Page 5

Cooper Pattinson's Trust Homes

Statement of Financial Activities for the Year Ended 5 April 2025

Note
Income and endowments from:
Donations and legacies
2
Investment income
3
Charitable activities
4
Total income
Expenditure on:
Charitable activities
Total expenditure
Net incoming resources before transfers
Transfers
Gross transfers between funds
Net movements in funds
Reconciliation of funds
Total funds brought forward
Total funds carried forward
Unrestricted
Funds
£
-
3,725
163,554
Restricted
Funds
£
-
-
-
Total Funds
2025
£
-
3,725
163,554
Total Funds
2024
£
8,000
2,867
160,932
167,279 - 167,279 171,799
144,688 14,180 158,868 132,023
144,688 14,180 158,868 132,023
22,591
-
(14,180)
-
8,411
-
39,776
-
22,591
503,990
(14,180)
368,068
8,411
872,058
39,776
832,282
526,581 353,888 880,469 872,058

The notes on pages 8 to 17 form an integral part of these financial statements.

Page 6

Cooper Pattinson's Trust Homes

Balance Sheet as at 5 April 2025

==> picture [473 x 320] intentionally omitted <==

----- Start of picture text -----
||||||||| |---|---|---|---|---|---|---|---| |2025|2024| |Note|£|£|£|£| |Fixed|assets| |Tangible|assets|11|587,020|608,288| |Investments|12|300,366|273,144| |887,386|881,432| |Current|assets| |Debtors|13|3,222|2,385| |Cash|at|bank|and|in|hand|10,341|10,393| |13,563|12,778| |Creditors:|Amounts|falling|due|within|one| |year|14|(20,480)|(22,152)| |Net current|liabilities|(6,917)|(9,374)| |Net assets|880,469|872,058| |The|funds|of the|charity:| |Restricted|funds|353,888|368,068| |Unrestricted|funds| |Unrestricted|income|funds|526,581|503,990| |Total|charity funds| 880,469|872,058|

----- End of picture text -----

The financial statements have been prepared in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102).

Approved by the Board on 23 January 2026 and signed on its behalf by:

Mrs.D R Matthews Trustee

Mr M G P Matthews Trustee

The notes on pages 8 to 17 form an integral part of these financial statements. Page 7

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

1 Accounting policies

Statement of compliance

The accounts (financial statements) have been prepared under the historical cost convention with items recognised at cost or transaction value unless otherwise stated in the relevant note(s) to these accounts. The financial statements have been prepared in accordance with the second edition of the Charities Statement of Recommended Practice issued in October 2019, the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011 as amended by the Charities Act 2022.

The accounts (financial statements) have been prepared to give a ‘true and fair’ view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a ‘true and fair view’. This departure has involved following Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) rather than the Accounting and Reporting by Charities:Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.

Basis of preparation

The charity 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 notes.

Going concern

These financial statements have been prepared on a going concern basis.

Fund accounting policy

Unrestricted income funds are general funds that are available for use at the trustees' discretion in furtherance of the objectives of the charity.

Restricted funds are those donated for use in a particular area or for specific purposes, the use of which is restricted to that area or purpose.

Designated funds are unrestricted funds set aside at the discretion of the trustees for specific purposes.

Further details of each fund are disclosed in note 17.

Income and endowments

Donations and legacies including donations, legacies and grants that provide core funding or are of a general nature are recognised where there is entitlement, probability of receipt and the amount can be measured with sufficient reliability.

Income from Government and other grants, whether ‘capital’ grants or ‘revenue’ grants, is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received and the amount can be measured reliably and is not deferred.

Investment income is recognised on a receivable basis.

Income from charitable activities includes income recognised as earned (as the related goods or services are provided) under contract.

Expenditure

Liabilities are recognised as soon as there is a legal or constructive obligation committing the charity to the expenditure. All expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all costs related to the category.

Charitable expenditure comprises those costs incurred by the charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.

Page 8

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

Fixed assets

Individual fixed assets costing £100 or more are initially recorded at cost.

Depreciation

Depreciation is provided on tangible fixed assets so as to write off the cost or valuation, less any estimated residual value, over their expected useful economic life as follows:

Freehold property 2% straight line basis Furniture and equipment 20% straight line basis

The depreciation charged on freehold property is based on building costs of £900,000. Land is not depreciated.

Cash and Cash Equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Investments

Fixed asset investments are included at market value at the balance sheet date.

Realised gains and losses on investments are calculated as the difference between sales proceeds and their market value at the start of the year, or their subsequent cost, and are charged or credited to the statement of the financial activities in the period of disposal.

Unrealised gains and losses represent the movement in market values during the year and are credited or charged to the statement of financial activities based on the market value at the year end.

Pensions

The charity operates a defined contribution pension scheme. Contributions are charged in the statement of financial activities as they become payable in accordance with the rules of the scheme.

2 Donations and legacies

Donations and legacies
Grants - other agencies
Unrestricted
Funds
£
-
Restricted
Funds
£
-
Total Funds
2025
£
-
Total Funds
2024
£
8,000

All of the donations and legacies income in 2024 related to restricted funds.

3 Investment income

Interest on cash deposits Unrestricted
Funds
£
3,725
Restricted
Funds
£
-
Total Funds
2025
£
3,725
Total Funds
2024
£
2,867

All of the investment income in 2024 related to unrestricted funds.

Page 9

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

4 Charitable activities

Charitable activities
Rental income
Other income
Unrestricted
Funds
£
161,281
2,273
Restricted
Funds
£
-
-
Total Funds
2025
£
161,281
2,273
Total Funds
2024
£
158,092
2,840
163,554 - 163,554 160,932

All of the income from charitable activities in 2024 related to unrestricted funds.

5 Expenditure

Direct costs
Employment costs
Water rates
Light, heat and power
Insurance
Repairs and maintenance
Telephone and fax
Gardening expenses
Christmas hampers
Assisted telephone services
Depreciation of freehold property
Depreciation of office equipment
Support costs
Subscriptions
Sundry expenses
Advertising
Accountancy fees
Independent examiner's fee
Trustees indemnity insurance
Legal and professional fees
Bank charges
Charitable
activities
£
34,337
12,470
4,909
4,604
42,717
1,028
21,070
1,428
2,651
19,787
1,481
Total
2025
£
34,337
12,470
4,909
4,604
42,717
1,028
21,070
1,428
2,651
19,787
1,481
Total
2024
£
35,388
8,524
4,814
4,351
24,165
968
18,095
1,458
1,483
20,016
1,173
146,482 146,482 120,435
1,421
1,543
325
4,290
480
395
3,789
143
1,421
1,543
325
4,290
480
395
3,789
143
1,708
2,359
875
3,690
750
483
1,350
373
12,386 12,386 11,588
158,868 158,868 132,023

Of the expenditure in 2024 £117,843 related to unrestricted funds and £14,180 related to restricted funds.

Page 10

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

6 Governance costs

Trustees indemnity insurance
Accountancy fees - 2024
Accountancy fees - 2025
Independent examiner's fee
Legal and professional fees
2025
£
395
930
3,360
480
3,789
2024
£
483
3,690
-
750
1,350
8,954 6,273

7 Trustees' remuneration and expenses

The total amount of expenses reimbursed to 1 Trustee for travel was £25 (2024 - £0).

8 Net incoming resources

Net incoming resources is stated after charging:

2025 2024
£ £
Depreciation of owned assets 21,268 21,189

9 Employees' remuneration

The monthly average number of persons (including senior management) employed by the charity during the year was as follows:

Charitable activities
The aggregate payroll costs of these persons were as follows:
Wages and salaries
Other pension costs
2025
No.
1
2025
£
32,999
1,338
34,337
2024
No.
1
2024
£
35,388
-
35,388

No employee received emoluments of more than £60,000 during the year (2024 - No. 0).

Page 11

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

10 Taxation

The registered charity is exempt from taxation on income and gains.

11 Tangible fixed assets

Cost
As at 6 April 2024 and 5 April 2025
Depreciation
As at 6 April 2024
Charge for the year
As at 5 April 2025
Net book value
As at 5 April 2025
As at 5 April 2024
Investments held as fixed assets
Market value
As at 6 April 2024
Additions
As at 5 April 2025
Net book value
As at 5 April 2025
As at 5 April 2024
All investment assets were held in the UK.
Freehold
property
£
1,109,864
507,320
19,787
527,107
582,757
602,544
Furniture and
equipment
£
56,740
50,996
1,481
52,477
4,263
5,744
Total
£
1,166,604
558,316
21,268
579,584
587,020
608,288
Other
investments
£
273,144
27,222
300,366
300,366
273,144

12 Investments held as fixed assets

13
Debtors
Trade debtors
Prepayments and accrued income
2025
£
1,050
2,172
3,222
2024
£
650
1,735
2,385

Page 12

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

14 Creditors: Amounts falling due within one year

Trade creditors
Taxation and social security
Accruals and deferred income
2025
£
8,961
1,429
10,090
20,480
2024
£
10,080
1,682
10,390
22,152

15 Pension scheme

Defined contribution pension scheme

The charity operates a defined contribution pension scheme. The pension cost charge for the period represents contributions payable by the charity to the scheme and amounted to £1,338 (2024 - £nil).

There were no outstanding or prepaid contributions at either the beginning or end of the financial year.

16 Related parties

Controlling entity

The charity is controlled by the trustees.

Page 13

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

17 Analysis of funds

Designated Funds
Extraordinary repair
Cyclical maintenance
Building development
Repair and maintenance
General Funds
General funds
Restricted Funds
Mrs G M Pattinson
Estate of Mrs A L Jequier (1)
Estate of Mrs A L Jequier (2)
Estate of Mrs A L Jequier (3)
At 6 April
2024
£
13,070
146,072
15,540
69,922
244,604
259,386
11,607
247,169
92,970
16,322
368,068
872,058
Incoming
resources
£
16,952
27,716
-
19,136
63,804
103,475
-
-
-
-
-
167,279
Resources
expended
£
(5,947)
(21,732)
-
(15,038)
(42,717)
(101,971)
(420)
(9,660)
(3,390)
(710)
(14,180)
(158,868)
At 5 April
2025
£
24,075
152,056
15,540
74,020
265,691
260,890
11,187
237,509
89,580
15,612
353,888
880,469

Designated funds

The purposes of the designated funds are as follows:

The extraordinary repair fund is a reserve fund for future major repairs. The amount transferred out of unrestricted charitable funds is set at The Almshouses Association recommended minimum level of £652 per unit per annum. An amount of £16,952 (2024 - £15,648) has been allocated to the extraordinary repair fund from the general fund during the year.

The cyclical maintenance fund is a reserve fund to meet the cost of maintenance recurring at regular intervals, for example, internal and external redecoration and the cost of professional fees in respect of inspections. The amount transferred out of the unrestricted charitable funds is set at the Almshouses Association recommended minimum level of £1,066 per unit per annum. An amount of £27,716 (2024 - £25,584) has been transferred to the cyclical maintenance fund from the general funds during the year in respect of refurbishment costs incurred.

The building development fund is a reserve fund to meet the cost of future building development work. No transfer from unrestricted charitable funds has been made during the current year.

The repair and maintenance fund represents amounts set aside to cover day to day routine maintenance work. The amount transferred out of unrestricted charitable funds is set at The Almshouses Association recommended minimum level of £736 per unit per annum. An amount of £19,136 (2024 - £17,664) has been transferred to the repair and maintenance fund from the general funds during the year.

Page 14

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

Restricted funds

The resources expended on restricted funds represents a depreciation charge on the properties held within restricted funds. The purposes of the restricted funds are as follows:

Mrs G M Pattinson - provision of a residential home.

Estate of Mrs A L Jequier (1) - provision of residential accomodation known as Hunter House

Estate of Mrs A L Jequier (2) - provision of residential accomodation known as Llywellyn Cottages.

Estate of Mrs A L Jequier (3) - provision of funds for repair and improvements for Hunter House and Llewellyn Cottages (utilised for improvements).

Page 15

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

Prior period
Designated Funds
Extraordinary repair
Cyclical maintenance
Building development
Repair and maintenance
General Funds
Unrestricted income fund
Restricted Funds
Mrs G M Pattinson
Estate of Mrs A L Jequier (1)
Estate of Mrs A L Jequier (2)
Estate of Mrs A L Jequier (3)
Refurbishment fund
At 6 April
2023
£
7,097
128,473
15,540
59,116
210,226
239,808
12,027
256,829
96,360
17,032
-
382,248
832,282
Incoming
resources
£
15,648
25,584
-
17,664
58,896
104,903
-
-
-
-
8,000
8,000
171,799
Resources
expended
£
(9,675)
(7,985)
-
(6,858)
(24,518)
(93,325)
(420)
(9,660)
(3,390)
(710)
-
(14,180)
(132,023)
Transfers
£
-
-
-
-
-
8,000
-
-
-
-
(8,000)
(8,000)
-
At 5 April
2024
£
13,070
146,072
15,540
69,922
244,604
259,386
11,607
247,169
92,970
16,322
-
368,068
872,058

Page 16

Cooper Pattinson's Trust Homes

Notes to the Financial Statements for the Year Ended 5 April 2025

......... continued

18 Net assets by fund

Tangible assets
Investments
Current assets
Creditors: Amounts falling due within
one year
Net assets
Prior period
Unrestricted
Funds
£
233,132
300,366
13,563
(20,480)
526,581
Restricted
Funds
£
353,888
-
-
-
353,888
Total Funds
2025
£
587,020
300,366
13,563
(20,480)
880,469
Total Funds
2024
£
608,288
273,144
12,778
(22,152)
872,058
Tangible fixed assets
Fixed asset investments
Current assets
Creditors: Amounts falling due within one
year
Net assets
Unrestricted
Funds
£
240,220
273,144
12,778
(22,152)
503,990
Restricted
Funds
£
368,068
-
-
-
368,068
Total Funds
2024
£
608,288
273,144
12,778
(22,152)
872,058
Total Funds
2023
£
607,392
226,860
12,759
(14,729)
832,282

Page 17