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2025-10-08-accounts

Scottish Charity No. SC013382

THE INCHRYE TRUST

TRUSTEES' REPORT AND ACCOUNTS FOR THE YEAR ENDED 8 OCTOBER 2025

THE INCHRYE TRUST

CONTENTS

Page
Reference and administrative information 2
Trustees' report 3 – 5
Independent Examiner’s Report 6
Statement of financial activities 7
Balance sheet 8
Notes to the accounts 9 - 15

1

THE INCHRYE TRUST

REFERENCE AND ADMINISTRATIVE INFORMATION

Trustees Mrs Johanna M B David Ms Rosalind J R Finlay Ms Tessa H M David Administrator and accountant Damage Limited, Chartered Accountants Scottish charity number SC013382 Principal address Damage Limited, Chartered Accountants Barton House Newton St Margarets Herefordshire HR2 0QN Bankers CAF Bank 25 Kings Hill Avenue Kings Hill West Malling Kent ME19 3JQ Investment advisors Callanish Capital Limited 45 Pont Street London SW1X 0JP Legal advisors Turcan Connell Princes Exchange 1 Earl Grey Street Edinburgh EH3 9EE Independent Examiner Kevin Cattanach CA Whitelaw Wells 9 Ainslie Place Edinburgh EH3 6AT

2

THE INCHRYE TRUST

TRUSTEES' REPORT

FOR THE YEAR ENDED 8 OCTOBER 2025

The trustees present their report and accounts for the year ended 8 October 2025.

The accounts have been prepared in accordance with the accounting policies set out in note 1 of the accounts and comply with the Trust Deed dated 8 October 1985, the Charities and Trustee Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006 (as amended) and the Statement of Recommended Practice, Accounting and Reporting by Charities (FRS 102) , effective 1 January 2019.

The charity is responsible for the trust fund established by the Trust Deed and the trustees have discretion to apply the income and the capital of the trust fund for such charitable purposes and objects as they from time to time decide.

The principal activity is grant making and although the objectives set out in the Trust Deed are far reaching, the Trustees tend towards making grants that address social issues particularly relating to education, health and well-being, and inclusion, in Scotland, Herefordshire and Monmouthshire. They favour making smaller grants to organisations for whom a series of grant payments over several years will make a difference. To minimise administration costs, the trustees do not correspond with applicants except where they approve a grant.

The main objectives for the year were to maintain the trust fund and to make grants.

Achievements and performance

The charity’s objects are met by making donations to organisations and individuals, at the trustees’ discretion. Many grant applications were received during the year, and the grants awarded are detailed in note 3 of the accounts.

Income is derived from investments and donations. Results for the year are set out in the Statement of Financial Activities set out on page 7. Details about the investment portfolio, and how it has changed during the year, are set out in note 6 of the accounts.

Investments are managed by Callanish Capital having been transferred from Seven Investment Management. The liquidation of the residual assets of the suspended 7IM Income Portfolio A2 Inc Fund is not yet complete. The one residual holding is held at fair value whilst the liquidator completes realisation of the underlying assets.

The portfolio is managed on a discretionary basis for medium-high risk total return. Total return in the year was 10.5% with overall investment performance slightly ahead of the benchmark ARC ‘Equity Risk’ index in a year when UK CPI inflation was 3.9%. Performance was led by strong contributions in global growth and technology-focused investments funds, with BlueBox Global Technology, State Street Global Equity and Scottish Mortgage funds performing particularly well. Other strong performances came from WS Zennor Japan Equity Income Fund investing in Japanese companies and SVS Zeus Dynamic Opportunities Investment Fund focused on UK corporates. Movements on the portfolio are explained in the financial review. Investment management fees are deducted from cash holdings and shown as expenditure in the Statement of Financial Activities.

The charity has a website inchryetrust.org.uk to steer prospective grant applicants and limit the number of applications that are submitted and then refused by the trustees. The trustees have actively sought organisations in priority areas where small grants would make a significant difference in continued uncertain times.

3

THE INCHRYE TRUST

TRUSTEES' REPORT (CONTINUED)

FOR THE YEAR ENDED 8 OCTOBER 2025

Financial review

The trustees receive and review regular information on the financial performance of the charity allowing them to appropriately commit grants at meetings twice a year.

The Statement of Financial Activities shows that net expenditure in the year amounted to £30,559 (2024 net expenditure of £45,256) before gains and losses on fixed asset investments. A large number of applications for grants are received, although steps to streamline the application process have reduced this number and made the grantmaking process more efficient. In recent years, the trustees responded to the difficult social, economic, and political situation by making more grants funded from reserves but, as shown in note 3 to the accounts, this year grants were limited to align better with the return earned on investments.

During the year investment performance continued to reflect global stock market strength, with an underlying increase in investment value of £93,189 (2024: £119,375). Total movement of funds during the year, after profits/losses on fixed asset investments, was a surplus of £62,630 (2024: £74,119).

The trustees are well aware of the need to maintain a sufficient reserve to meet the charity's liabilities in future years, taking into account the risks associated with relying upon future investment income to fund its objectives. The charity aims to have sufficient working capital to fund the costs of its core activities for twelve months, plus any known future commitments arising from grant awards. However the trustees can realise fixed asset investments at short notice where this is necessary for them to make grants in the next twelve months, allowing them to maximise the income-generating potential of their investments. As at 8 October 2025, there was a net current asset of £27,971 (2024: net current liability of £3,829). This broadly compares to expected expenditure in the following year of £33,500, comprising budgeted running costs including investment management fees for the following twelve months of £15,000 and a current liability for committed grants of £18,500. In addition, fixed asset investments totalling £989,881 can be drawn upon to realise additional liquid funds as required. Total reserves at the end of the year were £1,010,352 (2024 £947,722) and there are no restrictions on the use of reserves. There are therefore no material uncertainties about the charity’s ability to continue as a going concern.

Structure, governance and management

The trustees who served during the year, together with those appointed since the end of the year, are shown in the Reference and Administrative Information on page 2 of these accounts.

The charity is an unincorporated trust, established through a Declaration of Trust dated 8 October 1985, registered in Scotland and regulated by the Scottish Charity Regulator.

The power of appointing new trustees is vested in the trustees in office and are recruited by recommendation having regard to their general experience and knowledge. The charity undertakes an induction process which includes meetings with other trustees and, where appropriate, the administrator, and provides support for instruction on the responsibilities of trustees in the management of the charity. Professional advice is sought where necessary. Related party information is provided in note 5 of the accounts.

The trustees meet when required for the management of the charity and to consider grant applications, generally in March and October each year. They have assessed the major risks to which the charity is exposed and are satisfied that systems are in place to mitigate exposure to these major risks. The main risk relates to the investment portfolio and therefore investment performance is regularly monitored by the trustees with the investment managers. The operational risk that donations to charities are not expended for charitable purposes is mitigated by the grants policy, including careful selection of beneficiary charities and detailed review of applications. Where appropriate, the charity requires reports from beneficiary charities. As in previous years, some grants have been stopped where organisations failed to meet the charity’s conditions.

4

THE INCHRYE TRUST

TRUSTEES' REPORT (CONTINUED)

FOR THE YEAR ENDED 8 OCTOBER 2025

Public benefit

The charity serves the public benefit by making donations to charitable activities. There are no restrictions to the charitable support provided by the charity although the trustees have indicated that they tend to make grants to charities operating in Scotland, Herefordshire and Monmouthshire. Through its grants policy, the charity has in place processes to ensure that its grants meet genuine needs.

Statement of trustees’ responsibilities

The trustees are responsible for preparing the Trustees' Report and the accounts in accordance with applicable law and Financial Reporting Standards applicable in the United Kingdom.

The law applicable to charities in Scotland requires the trustees to prepare accounts 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 year.

In preparing these accounts, 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 accounts comply with the Charities and Trustee Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006 ( as amended) and the provisions of the trust deed. They are responsible for the maintenance and integrity of the charity and for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Plans for the future

The trustees intend to maintain an investment policy to balance risk with a return sufficient to allow them to continue to make grants for charitable purposes. Whilst continuing to make grants in Scotland, the trustees are now making more of their grants in Herefordshire and Monmouthshire.

On behalf of the board of trustees

Johanna M B David qh[ton] Trustee Dated: 17 March 2026

5

THE INCHRYE TRUST

INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF THE INCHRYE TRUST

I report on the accounts of The Inchrye Trust for the year ended 8 October 2025, which are set out on pages 7 to 15.

Respective responsibilities of Trustees and Examiner

The Charity’s Trustees are responsible for the preparation of the accounts in accordance with the terms of the Charities and Investment (Scotland) Act 2005 (“the Act”) and the Charities Accounts (Scotland) Regulations 2006 (as amended) (“the Regulations”).

The Charity’s Trustees consider that an audit is not required for this year under Regulation 10(1) (a) to (c) of the Regulations.

It is my responsibility to examine the accounts under section 44(1) (c) of the Act and to state whether particular matters have come to my attention.

Basis of Independent Examiner’s report

My examination was carried out in accordance with the Regulation 11 of the Regulations. 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 I do not express and audit opinion on the view given by the accounts.

Independent Examiner’s statement

In connection with my examination, no matter has come to my attention which gives me reasonable cause to believe that in any material respect the requirements:

have not been met.

No matter has come to my attention in connection with my examination to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Kevin Cattanach C.A. Whitelaw Wells Chartered Accountants 9 Ainslie Place Edinburgh EH3 6AT

Dated: 17 March 2026

6

THE INCHRYE TRUST

STATEMENT OF FINANCIAL ACTIVITIES

FOR THE YEAR ENDED 8 OCTOBER 2025

OR THE YEAR ENDED 8 OCTOBER 2025
Notes
Income and endowments from:
Investments
2
Total
Expenditure on:
Raising funds: Investment management costs
Charitable expenditure: Grants payable & related costs
3
Total
Net expenditure
Net gains/(losses) on fixed asset investments
6
Net movement in funds
Fund balances at beginning of the year
Fund balances at end of the year
2025
£
14,556
14,556
(8,701)
(36,414)
(45,115)
(30,559)
93,189
62,630
947,722
1,010,352
2024
£
13,554
13,554
(6,303)
(52,507)
(58,810)
(45,256)
119,375
74,119
873,603
947,722

All funds are unrestricted in the current and previous years.

7

THE INCHRYE TRUST

BALANCE SHEET

AS AT 8 OCTOBER 2025

AS AT 8 OCTOBER 2025
Notes 2025 2024
£ £ £ £ £
Fixed assets
Investments 6 989,881 962,551
Current assets
Other debtors – unsettled trade 40,228 - -
Cash at bank and in hand 12,122 17,675 675
52,350 17,675 17,675
Creditors: amounts falling due
within one year 7 (24,379) (21,504) (21,504)
Net current assets/(liabilities) 27,971 (3,829)
Total assets less current liabilities 1,017,852 958,722
Creditors: amounts falling due
after more than one year 8 (7,500) (11,000)
1,010,352 947,722
Funds
Unrestricted reserves
General fund 9 1,010,352 947,722
1,010,352 947,722

These accounts are prepared in accordance with the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended).

The accounts were approved by the Trustees on 17 March 2026

Johanna M B David Trustee

8

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS FOR THE YEAR ENDED 8 OCTOBER 2025

Basis of preparation

The accounts have been prepared under the historical cost convention modified to include the revaluation of certain fixed assets, and in accordance with applicable accounting standards, the Statement of Recommended Practice Accounting and Reporting by Charities (FRS 102) effective 1 January 2019, the Charities and Trustees Investment (Scotland) Act 2005, and the Charities Accounts (Scotland) Regulations 2006 (as amended). The accounts do not include a cash flow statement as permitted by FRS 102 Section 1A.

The charity is a Public Benefit Entity as defined by the Financial Reporting Standard applicable in the United Kingdom (FRS102).

The charity is a charitable trust constituted in Scotland. The address of the registered office is given in the Reference and Administrative Details on page 2 of these financial statements. The nature of the charity’s operations and principal activities relate to the provision of grants as described in the Report of the Trustees on pages 3 to 5.

The financial statements are prepared on a going concern basis. The trustees have assessed the charity’s ability to continue as a going concern and have reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. The accounts are presented in sterling which is the functional currency of the charity and rounded to the nearest £.

The significant accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all years presented unless otherwise stated.

Income

All incoming resources are accounted for in the period in which the charity is entitled to receipt and can be reliably determined and there is probability of receipt.

Expenditure

Expenditure is included on an accruals basis and classified under headings that aggregate all costs related to the category. Expenditure is recognised where there is a legal or constructive obligation to make payments to third parties, it is probable that the settlement will be required, and the amount of the obligation can be measured reliably. Expenditure on charitable activities includes all the costs required to deliver the charitable objectives.

All grants are made in accordance with the objects of the charity and authorised at meetings of the trustees. They are charged in the year in which the offer is conveyed to the recipient or, if specific conditions are attached, when the conditions have been fulfilled or are outside the control of the charity.

Investment management costs are recognised as they arise.

9

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS (CONTINUED) FOR THE YEAR ENDED 8 OCTOBER 2025

Accounting policies (continued)

Support costs are those which assist the work of the charity but do not directly represent charitable activities, including office costs and governance costs, those costs associated with meeting the constitutional, statutory and strategic requirements of the company including accounting and examination fees and costs linked to the strategic management of the charity. When support costs cannot be directly attributed to charitable activity headings, they have been allocated based upon the estimated administration time allocated to the charitable activities undertaken. Administration of charitable activities includes the time taken to review grant applications, and support and implement trustee decision-making.

Investments

Fixed asset investments are stated at fair value, which is market value for investments traded on recognised stock exchanges.

Realised gains or losses are calculated as the difference between sale proceeds and market value at the previous balance sheet date, or purchase value if acquired during the year. Unrealised gains or losses are calculated as the difference between market value at the year end and carrying value.

All gains and losses whether realised or unrealised are taken to the Statement of Financial Activities.

Funds

All funds are unrestricted funds, available for use at the discretion of the trustees in furtherance of the general objectives of the charity.

Debtors and creditors

Debtors and creditors are recorded at transaction price. Any losses arising from impairment are recognised in expenditure.

Creditors are classified as current liabilities if amounts are payable within one year or less. If not, they are presented as non-current liabilities. Creditors are recognised at transaction price and include grants payable in future years. As required by FRS 102, the trustees have considered the effects of the time value of money on multi-year grant awards where there are commitments over more than one year from the year of the award and no unfulfilled conditions. In the current economic climate, the trustees consider a discount rate of 2% would be appropriate and are of the opinion that any discounting adjustment would not be material relative to the income of the charity. Therefore discounting has not been applied.

Cash and cash equivalents

Cash and cash equivalents include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts.

Taxation

The charity is a registered charity and as such is not generally liable to taxation. The charity is not registered for VAT purposes and any VAT incurred is therefore irrecoverable and included as part of the relevant expense.

10

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS (CONTINUED) FOR THE YEAR ENDED 8 OCTOBER 2025

Accounting policies (continued)

Financial instruments

The charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all its financial instruments. Financial instruments are recognised in the charity’s balance sheet when the charitable company becomes party to the contractual provisions of the instrument.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method. Financial assets classified as receivable within one year are not amortised.

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price. Financial liabilities classified as payable within one year are not amortised.

Critical accounting estimates and judgements

In the application of the charity’s accounting policies, the Trustees make estimates and assumptions in relation to certain assets and liabilities. Such estimates are based on historical experience and other factors that are considered to be relevant. The amounts involved are not material to the financial statements and are not considered to carry significant risk.

2 Investment income

3

Income from listed investments
Interest on securities
Bank interest
Grants payable and related costs
Grants payable (listed below)
Support costs (Note 4)
Governance costs (Note 4)
2025
£
13,855
282
419
14,556
2025
£
27,750
5,237
3,427
36,414
2024
£
11,806
708
1,040
13,554
2024
£
43,100
5,210
4,197
52,507

11

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS (CONTINUED) FOR THE YEAR ENDED 8 OCTOBER 2025

Grants payable and related costs (continued)

Grants committed during the year were:

2025
£
Trellis
250
@ Hub CIC
250
Friends of Gwent Music
250
Community Safety Education CIC
250
Haygrove Community Gardens Charity
250
Hillhouse
500
Capoeira 4 Scotland
1,500
B Healthy Together
1,500
Linda Norgrove Foundation
1,500
Branch Out Together
500
CORE Caldicot
3,000
Yeleni
1,500
Thera Trust - Gig Buddies
1,500
Bridges Project - Listening Peers
1,500
Keep the Heid mental health café
1,500
Y Dance - Edinburgh young carers
1,500
Wester Hailes Growing Community - community shed
500
Hope Support Services
3,000
Families Outside
1,500
Pain Concern
500
The Halliday Foundation
500
Edinburgh City Mission
1,500
Earth in Common

500
Ajyal Foundation for Education
1,500
Herefordshire City of Sanctuary
1,500
The Ridge
-
A Moments Peace Theatre Company
-committed
-
-not required because the Company ceased
-
-
Hopscotch Childrens Charity
-
Tollcross Community Action
-
Marches Family Network
-
Articulate Cultural Trust
-
Crew
-
Pet Fostering Service Scotland
-
get2gether
-
Butterfly Trust
-
Penumbra – young people’s group
-
Gateway Centre
-
Edinburgh Jam Group
-
IWORK4ME
-
Fife Carers
-
Dream Your Future Families
-
YDance – Cashback on Track
-
Curiosity Collective
-
Positive Help – Study Buddies
-
Shopmobility Newport
-
Sutherland Care Forum
-*
2024
£
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
3,000
3,000
(2,000)
1,000
3,000
3,000
3,000
3,000
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,000
1,000
1,000
1,000
300
500

12

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS (CONTINUED) FOR THE YEAR ENDED 8 OCTOBER 2025

Grants payable and related costs (continued)

Outdoors for You
Equip-Power
North Light Arts – Solway Hoard
Cracked Slipper Company
Positive Action in Housing
The Everyone Project
David Lynch Foundation – Andy’s Man Club Meditation
ECHO
The Very Inclusive Place Club
Sunflower Scotland
Advice for Renters, Hereford
Physionet
Polish Family Support Centre
Light Lab – Viewpoint
-committed
-refunded because the project did not proceed
Oban Youth Café (awarded in 2023)*
2025
£
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(500)
27,750
2024
£
500
1,500
1,000
1,000
1,000
500
500
500
500
500
500
500
300
200
(200)
-
43,100

*Commitments to pay further grant instalments to these organisations were cancelled because receipt of a grant was not confirmed, this being a condition of all grants.

4 Support costs

Support costs
Administration costs
Bank charges
Independent
examination fees
Website charges
Grants
payable and
related costs
Governance
Total
2025
Accounting
costs
Other
costs
£
£
£
£
5,237
1,950
502
7,689
-
-
60
60
-
816
-
816
-
-
99
99
5,237
2,766
661
8,664

Administration fees and expenses are analysed between activities based upon actual cost incurred or allocated based upon estimated administrator's time spent. There are no employees.

Support costs in the previous year were:

Administration costs
Bank charges
Independent
Examination fees
Website charges
Grants
payable and
related costs
Governance
Total
2024
Accounting
costs
Other
costs
£
£
£
£
5,210
1,950
1,337
8,497
-
-
60
60
-
780
-
780
-
-
70
70
5,210
2,730
1,467
9,407

13

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS (CONTINUED) FOR THE YEAR ENDED 8 OCTOBER 2025

5 Trustees and related parties

None of the trustees (or any persons connected with them) received any remuneration during the year, and no trustees received any reimbursements for expenses. There have not been any transactions with related parties.

d asset investments
Fair value at start of the year
Acquisitions
Accumulated dividends reinvested
Disposals
Net realised gains
Unrealised gains
Fair value at end of the year
All investments are equity funds.
Historical cost:
At end of the year
At beginning of the year
2025
£
962,551
556,924
157
(622,940)
10,378
82,811
989,881
865,984
900,151
2024
£
871,898
1,045,593
2,902
(1,077,217)
55,744
63,631
962,551
900,151
774,483

The following investments represent more than 5% of the fair value of investments at the end of the year:

year:
2025 2024 2025 2024
% % £ £
State Street ICAV Global Equity
Diversified Equity Fund 11.2 - 110,386 -
Alliance Witan PLC Ord 10.4 - 102,527 -
Findlay Park Funds ICAV American I 7.7 7.5 76,467 72,255
Pacific Capital UCITS Funds N Amer Opp 7.2 7.7 70,880 73,777
Vanguard Funds PLC Gbl Gov Bd UCITS 6.5 - 64,706 -
SVS Zeus Dynamic Opportunities
Investment Fund ICVC 5.1 3.0 50,246 28,709
SSGA SPDR S&P 500 EFT 4.2 5.1 41,226 48,649
Polar Capital Funds Global Insurance 4.0 5.7 39,836 55,282
Berkshire Hathaway Inc Com ‘B’ 4.0 5.0 39,224 48,191
Guinness Asset Management Funds
European Equity - 6.1 - 58,790
AB SICAV I Intl Health Care Portfolio - 5.1 - 48,648

14

THE INCHRYE TRUST

NOTES TO THE ACCOUNTS (CONTINUED) FOR THE YEAR ENDED 8 OCTOBER 2025

7 Creditors: amounts falling due within one year

ditors: amounts falling due within one year
Other creditors
Accruals
2025
£
18,500
5,879
24,379
2024
£
15,250
6,254
21,504

Other creditors relate to grants committed before the year end but unpaid during the year.

8 Creditors: amounts falling due after more than one year

ditors: amounts falling due after more than one year
Other creditors 2025
£
7,500
7,500
2024
£
11,000
11,000

Other creditors relate to grants committed for payment more than twelve months after the year end. Payments are due to be made as follows:

31 October 2025
31 March 2026
31 October 2026
£
-
-
7,500
7,500
£
10,500
500
-
11,000
9
Movement on funds
9 October
2024
Income
£
£
Total funds
947,722
14,556
Movement of funds in the previous year
9 October
2023
Income
£
£
Total funds
873,603
13,554
Expenditure
£
(45,115)
were:
Expenditure
£
(58,810)
Gains/
(losses)
8 October
2025
£
£
93,189
1,010,352
Gains/
(losses)
8 October
2024
£
£
119,375
947,722

15