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2024-12-31-accounts

THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Statement of Financial Position for the year ended 31[st] December 2024

_______________

Notes
**2024 **
2023
£
£
FIXED ASSETS
Tangible Assets 3 5,356,827 5,128,573
Investments 4 3,590,531 3,750,550
--------------- ---------------
8,947,358 8,879,123
--------------- ---------------
CURRENT ASSETS
Debtors 5 246,743 191,936
Loans less Provision 18,815 32,640
Deposit with Stockbrokers 1,406 1,031
Cash at Bank:
Cash at bank and on hand 549,296 552,744
Deposit Accounts 513,843 492,478
------------- -------------
1,330,103 1,270,829
CURRENT LIABILITIES
Creditors: amounts falling due within one year 6 (267,587) (242,301)
------------- -------------
NET CURRENT ASSETS 1,062,516 1,028,528
----------- ----------
NET ASSETS 10,009,874 9,907,651
--------------- ---------------
FUNDS OF THE CHARITY:
Unrestricted Funds
General Funds 8,758,401 8,658,087
Revaluation reserve 980,432 980,432
----------- -----------
Total Unrestricted Funds 8 9,738,833 9,638,519
Restricted Funds 9 271,041 269,132
-------------- ---------------
10,009,874 9,907,651
-------------- ---------------

The financial statements have been prepared in accordance with the special provisions applicable to companies subject to the small companies regime.

Approved by the Board of Trustees on 24[th] June 2025 and signed on its behalf by

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

L. Kelly Chairman

E. McCormill Treasurer

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Statement of Financial Activities (incorporating Income & Expenditure Account) For the year ended 31[st] December 2024

____________________

Notes Notes Unrestricted Restricted Total
Total
Funds
Funds
2024 2023
£
£
£
£
INCOME AND ENDOWMENTS FROM:
Donations and Legacies 11 845,725 845,725 881,175
Tax Recovered: Gift Aid 187,410 187,410 172,337
Grants & Awards 61,625 61,625 139,176
Income from Apartments 143,599 143,599 -
TPDP Caseworker Funding 15 60,826 60,826 11,957
Interest Received 5,687 1,993 7,680 4,719
Investment Income 183,011 183,011 228,136
------------- --------- ------------- -------------
Total Incoming Resources 1,487,883 1,993 1,489,876 1,437,500
------------- --------- ------------- -------------
EXPENDITURE ON:
Charitable Activities 13 1,143,933 - 1,143,933 1,139,359
Support & Governance Costs 14 369,911 84 369,995 330,757
------------- --------- ------------- -------------
Total Resources Expended 1,513,844 84 1,513,928 1,470,116
------------- --------- ------------- -------------
Net (Outgoing)/Incoming Resources (25,961) 1,909 (24,052) (32,616)
------------- --------- ------------- -------------
OTHER GAINS/(LOSSES)
Investments:
Net Realised (Losses) 4 (4,128) - (4,128) (5,651)
Net Unrealised Gains/(Losses) 4 130,403 - 130,403 175,078
Property Revaluations 3 - - - 969,500
------------- --------- ------------- -------------
Net Movement in Funds for the year 100,314 1,909 102,223 1,106,311
Total Funds 1st January 2024 9,638,519 269,132 9,907,651 8,801,340
--------------- ------------ --------------- --------------
Total Funds 31st December 2024 9,738,833 271,041 10,009,874 9,907,651
--------------- ------------ --------------- --------------

The statement of financial activities includes all gains and losses recognised in the year.

All income and expenditure derive from continuing activities.

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Statement of Cash Flows For the year ended 31[st] December 2024

2024 2023
Cash Flows from Operating Activities
Net (deficit) for the financial year (24,052) (32,616)
Adjustments for:
Depreciation of tangible assets 6,676 6,766
Interest Income (7,680) (4,719)
Investment Income (183,011) (228,136)
Decrease/(Increase) in debtors (41,357) 50,255
Increase in creditors 25,286 29,599
----------- -----------
(200,086) (146,235)
----------- -----------
Net Cash used in Operating Activities (224,138) (178,851)
Cash Flows from Investing Activities
Purchase of tangible fixed assets (234,930) (29,325)
Proceeds from sale of investments 304,734 103,775
Purchases of investments (18,440) (74,004)
Investment income 183,011 228,136
Interest received 7,680 4,719
----------- -----------
Net Cash from Investing Activities 242,055 233,301
----------- -----------
Net Increase / (Decrease) in Cash and Cash Equivalents 17,917 54,450
Cash and Cash Equivalents at the beginning of year 1,045,222 990,772
------------ ------------
Cash and Cash Equivalent at the end of year 1,063,139 1,045,222
------------- ------------

The charitable company does not have any financing activities and therefore a net debt reconciliation is not applicable.

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements For the year ended 31[st] December 2024

1. ACCOUNTING POLICIES

1.1 Basis of preparation

The financial statements of the charitable company, which is a public benefit entity and a company limited by guarantee, have been prepared in accordance with the Companies Act 2006; the Charities Act (Northern Ireland) 2008, 2013 & 2022, the Charities (Accounts and Reports) Regulations (Northern Ireland) 2015 and 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 15 December 2021) Charities SORP (FRS 102) . The financial statements have been prepared under the historical cost convention, as modified by the revaluation of certain assets.

1.2 Tangible fixed assets Land & Property held for the included in the Financial Statements at market value. No depreciation has been charged, as it is the trustees' policy to maintain the buildings in a continual state of sound repair. The trustees consider that the life of these assets is so long and their residual value so high that depreciation is insignificant.

Other fixed assets are initially measured at cost. After initial recognition they are recorded at cost less any accumulated depreciation and impairment.

Depreciation has been calculated at rates required to write off the relevant assets over the anticipated useful lives. The applicable annual rate used are:

Apartment Fixtures and Fittings 10% reducing balance Computer Equipment 5 years straight line

1.3 Investment Assets

Investment assets form part of the unrestricted funds. All income arising from these investments is credited as unrestricted fund incoming resources.

Investment assets are measured at fair value at the Statement of Financial Position date, with changes in being recognised in income and expenditure. Gains or losses on disposal of investment assets are calculated as arising from the latest Statement of Financial Position valuation and are credited or charged as realised gains or losses to unrestricted funds.

1.4 Debtors

Other debtors are stated after all known bad debts have been written off and specific provision has been made against all debts considered doubtful of collection. Prepayments are valued at the amount prepaid net of any trade discounts due.

1.5 Cash and cash equivalents Cash at bank and cash equivalents include 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.

1.6 Creditors Creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

1.7 Financial Instruments

The Charitable Company only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently valued at their settlement value with the exception of loans which are subsequently measured at amortised cost using the effective interest method.

Financial Instruments measured at amortised cost comprise the loans made by the Charitable Company to beneficiaries. Loans are made interest free. The market risk facing the Charitable Company is that the demands placed on the Charity increase as interest rates rise in the wider economy.

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements For the year ended 31[st] December 2024

____________________

1. ACCOUNTING POLICIES (continued)

1.8 Incoming resources

All incoming resources are included in the Statement of Financial Activities when the charity is legally entitled to the income and the amount can be quantified with reasonable accuracy.

Donations and legacies

Donations are assumed to be unrestricted in their application unless otherwise prescribed. Legacies are included within income when received.

Grants

Revenue grants are credited to incoming resources on the earlier date of when they are received or when they are receivable, unless they relate to a specified future period, in which case they are deferred.

Investment income

Investment income is recognised on an accruals basis.

Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the Bank.

Apartment charges

Charges for the use of the holiday apartments commenced in 2024 for all but select groups who are exempt. These charges are paid upon booking the apartments and recognised as income once the holiday is complete.

1.9 Resources expended

All expenditure is accounted for on an accruals basis and is classified under headings that aggregate all costs related to the category. Charitable activities 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. Governance costs include these costs associated with meeting the constitutional, statutory and strategic requirements of the charity.

1.10 Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

1.11 Grants and Loans

Grants and Loans are awarded at the management discretion and are considered at regular committee meetings. Emergency grants are approved by the Chief Executive.

1.12 Employee Benefits

The costs of short-term employee benefits are recognised as a liability and an expense, unless those costs are required to be recognised as part of non-current assets.

2. LEGAL STATUS OF THE CHARITY

The Charity is a company limited by guarantee and has no share capital. In the event of the Charity being wound up the liability in respect of the guarantee is limited to £1 per member of the Charity.

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements For the year ended 31[st] December 2024

__________________

3. TANGIBLE ASSETS

Land and Apartment Fixtures Computer Total
Properties And Fittings Equipment
£ £ £ £
Market Value:
1st January 2024 5,097,000 134,274 29,325 5,260,599
Additions 234,930 - - 234,930
Revaluation - - - -
--------------- --------------- --------------- ---------------
31st December 2024 5,331,930 134,274 29,325 5,495,529
--------------- --------------- --------------- ---------------
Accumulated Depreciation:
1st January 2024 - 126,161 5,865 132,026
Charge for Year - 811 5,865 6,676
--------------- --------------- --------------- ---------------
31st December 2024 - 126,972 11,730 138,702
--------------- --------------- --------------- ---------------
Market Value/Net Book Value:
31st December 2024 5,331,930 7,302 17,595 5,356,827
--------------- --------------- --------------- ---------------
31st December 2023 5,097,000 8,113 23,460 5,128,573
--------------- --------------- --------------- ---------------

Some properties are held on a lease of 8,500 years from 1[st] May 1991. The properties were last revalued independently by professional valuers as at 31 December 2019. Land and Properties are included in the financial statements at market value, the directors had assessed the fair value of the properties and were of the opinion that the value of some properties had materially changed by 31st December 2023, thus a revaluation adjustment had been included in 2023. Upon assessment for the year ended 31 December 2024 no further revaluation was deemed necessary.

4. FIXED ASSET INVESTMENTS

2024 2023
Listed Investments Cost Market Cost Market
Value Value
3,646,212 3,590,531 3,936,633 3,750,550
------------- -------------- ------------- -------------
Movements on investments in the year were:
2024 2023
£ £
Market Value 1st January 2024 3,750,550 3,610,894
Additions 18,440 74,004
Disposals (304,734) (103,775)
Loss on Disposals (4,128) (5,651)
Net Increase in Value 130,403 175,078
------------- -------------
Market Value 31st December 2024 3,590,531 3,750,550
------------- --------------

Investments in individual funds held at 31st December 2024 which are material in the context of investment activities:

SUTL Cazenove Charity Responsible Multi Asset Fund Accumulated (12.7%) SUTL Cazenove Charity Responsible Multi Asset Fund Distribution (37.1%) COIF Charities Ethical Investment Fund Income Units (50.2%)

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements

For the year ended 31[st] December 2024

____________________

5. DEBTORS
2024 2023
£ £
Prepayments and accrued income 63,209 19,135
Other Debtors 183,534 172,801
----------- -----------
246,743 191,936
----------- ----------
6. CREDITORS
2024 2023
£ £
Accruals and deferred income 264,452 242,243
Value Added Tax (VAT) 3,077 -
Other Creditors 58 58
----------- -----------
267,587 242,301
----------- ----------

7. TAXATION

The Benevolent Fund is registered with HM Revenue & Customs and is exempt from tax on income and gains to the extent that these are applied to its charitable objects. During 2024 the Benevolent Fund became VAT registered following the introduction of charges for the use of the apartments.

8. UNRESTRICTED FUNDS

UNRESTRICTED FUNDS
Revaluation General Total Funds
Reserve funds
£ £ £
Balance 1st January 2023 10,932 8,522,673 8,533,605
Net outgoing resources for the year - (34,013) (34,013)
Net Realised losses - (5,651) (5,651)
Net Unrealised gains - 175,078 175,078
Property revaluations 969,500 - 969,500
--------------- ---------------- ----------------
Balance 31st December 2023 980,432 8,658,087 9,638,519
-------------- -------------- --------------
Balance 1st January 2024 980,432 8,658,087 9,638,519
Net outgoing resources for the year - (25,961) (25,961)
Net Realised gains/(losses) - (4,128) (4,128)
Net Unrealisable gains - 130,403 130,403
---------------- ---------------- ----------------
Balance 31st December 2024 980,432 8,758,401 9,738,833
---------------- ---------------- ---------------

Included in unrestricted funds is £241,571 (2023: £186,565) in respect of total funds received less outgoings to date in relation to the Rowland Betty Memorial Trust. During the year income of £55,006 (2023: £42,689) was received and these funds were spent on the general charitable purposes of the Fund as permitted. The conditions of the bequest of the Trust (that a plaque is displayed at Headquarters of the Police Service of Northern Ireland, and the grave in Fermanagh be maintained) are being adhered to.

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements For the year ended 31[st] December 2024

____________________

9.1 RESTRICTED FUNDS Death Benefit Fund

The Fund is held to make discretionary payments for benevolent purposes to the families of a serving officer who has died as a result of an Act of Terrorism.

2024 2023
£ £
Balance 1st January 2024 119,637 118,156
Income Bank Deposit Interest 1,993 1,481
----------- -----------
Balance 31st December 2024 121,630 119,637
----------- -----------

9.2 George Walter Fawcett Fund

The Fund was established in November 2016 to be used specifically and exclusively for the treatment and personal care of persons disabled, wounded or blinded prior to 31[st] December 1994.

2024 2023
£ £
Balance 1st January 2023 149,495 149,579
Legacy income - -
Grants and expenses paid (84) (84)
----------- -----------
Balance 31st December 2023 149,411 149,495
----------- -----------
Total Accumulated Restricted Funds 271,041 269,132
----------- -----------

10 ANALYSIS OF NET ASSETS BETWEEN FUNDS

Unrestricted Restricted TOTAL
£
£

£
Tangible Fixed Assets 5,356,827 - 5,356,827
Investments 3,590,531 - 3,590,531
Current Assets 1,059,062 271,041 1,330,103
Current Liabilities (267,587) - (267,587)
--------------- ------------- ---------------
TOTAL 9,738,833 271,041 10,009,874

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements For the year ended 31[st] December 2024

____________________

---------------- ------------- --------------
11. DONATIONS AND LEGACIES
2024 2023
£ £
Unrestricted Funds:
Donations from Members 525,870 551,612
Donations from Retired Members 162,600 169,573
Public & Organisational Donations 39,359 99,990
Legacies 117,896 60,000
------------- --------------
845,725 881,175
-------------- --------------
Restricted Funds:
Legacies - -

12. APARTMENT CHARGES

From August 2024, with the exception of some exempt groups charges were introduced for the use of the holiday apartments owned by the Charity, the income generated in the period to 31 December 2024 was £143,599.

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THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements For the year ended 31[st] December 2024

____________________

13. CHARITABLE ACTIVITIES
2024
2023
£
£
Unrestricted Funds:
Awards & Grants:
Station Welfare Groups - -
Police Care UK 25,248 26,531
Serving Members 9,477 13,583
Former Members 31,627 5,333
Widows 10,433 14,334
Dependents 7,657 10,095
Early Widows Grants 16,080 18,760
Funeral Grants 1,420 7,480
Local Voluntary Working Group Grants:
General 5,314 2,668
Christmas Grants 9,560 15,131
Fuel Grants 13,850 20,450
Police Treatment Centres 470,977 497,052
Holiday Expenses and Trips:
Widows 30,034 30,518
LVWGs 113,840 141,819
Events & Functions 105,135 113,182
Donations & Gifts 7,152 9,798
Staff Costs 17,658 18,610
TPDP Caseworkers Costs 60,826 11,957
Apartments Maintenance & Running Costs 200,969 175,292
Depreciation
Fixtures and Equipment
811 901
Depreciation
Computer Equipment
5,865 5,865
Provision for doubtful loans - -
------------- --------------
1,143,933 1,139,359
-------------- --------------
Restricted Funds:
Grants
George Walter Fawcett Fund
**- ** -
----------- ------------
All grants were paid to or in respect of individual beneficiaries.
14. SUPPORT & GOVERNANCE COSTS
2024 2023
£ £
Unrestricted Funds:
Advertising 7,087 2,970
Audit Fees 12,458 11,865
Bank Charges and Interest 6,581 4,335
Broker Fees 4,358 3,261
Computer & Software Costs 41,837 12,420
General Expenses 10,259 6,323
Insurance 7,799 6,204
Printing, Postage, Stationery and Telephone 11,847 10,025
Professional Fees 35,469 32,884
Staff Costs 216,414 229,068
Travel and Meetings 15,802 11,318
----------- ----------
369,911 330,673
----------- ----------
Restricted Funds:
Bank Charges and Interest 84 84
----------- ----------

Page 21

THE ROYAL ULSTER CONSTABULARY GC POLICE SERVICE OF NORTHERN IRELAND BENEVOLENT FUND (a Charitable Company Limited by Guarantee)

Notes to the Financial Statements

For the year ended 31[st] December 2024

____________________

15. STAFF COSTS
2024 2023
£
£
Wages and salaries 294,898 259,635
----------- ----------
The number of full and part-time employees: 8 7

No employees were paid emoluments of more than £60,000 during the year.

Two Troubles Permanent Disablement Payment (TPDP) caseworkers are now employed by the Charity, however this is cost neutral as these expenses are paid by the FSD. The costs incurred are disclosed in note 13.

16. MUNERATION
2024 2023
£ £
Fees payable for the audit of the financial statements 12,458 11,865
Tax advisory services 4,500 5,400
Professional fees (for other services) 16,502 16,136
---------- ----------

17. REMUNERATION AND BENEFITS

There were no trustees' remuneration, other benefits or expenses reimbursements paid directly during the years ended 31st December 2023 or 2024.

Page 22