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2025-10-31-accounts

REGISTERED CHARITY NUMBER: SCO18014

TRUSTEES' REPORT AND

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 OCTOBER 2025

FOR ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

Azets Accountants Titanium 1 King's Inch Place Renfrew PA4 8WF

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 OCTOBER 2025

Page Trustees' Report 1 to 2 Independent Examiner's Report 3 Statement of Financial Activities 4 Balance Sheet 5 Notes to the Financial Statements 6 to 12

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

TRUSTEES' REPORT FOR THE YEAR ENDED 31 OCTOBER 2025

The trustees present their annual trustees' report together with the financial statements of the charity for the year ending 31 October 2024.

The financial statements comply with the Charities and Trustee Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006 (as amended), the charity's governing document, 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 (FRS 102).

OBJECTIVES AND ACTIVITIES

Objectives and aims

The object of the charity is to hold funds in trust for charitable purposes as the Trustees in their discretion may from time

to time determine and in particular, but without prejudice, the generality of the foregoing, for the following purposes:-

To benefit needy members and children of ex servicemen or women.

Investment powers

The Trustees have wide discretion in matters of investment. Investments are made in terms of the Constitution.

ACHIEVEMENTS AND PERFORMANCE

Charitable activities

The Branch continues to operate a Branch Club in accordance with Rule 17 of the Constitution of The Royal British Legion Scotland with ordinary membership being conferred on Ordinary and Life Members of the Branch.

FINANCIAL REVIEW

Financial position

The financial deficit of the Branch for the year amounted to £10,597 (2024: surplus of £4,742).

Reserves policy

It is the policy of the Branch to hold a level of free reserves which will at a minimum fund twelve months of expenditure. The reserves policy is reviewed annually.

FUTURE PLANS

The Branch Committee actively seek to increase membership and maximise the income of the Branch and Club.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.

The Royal British Legion Scotland Paisley Comrades Branch was formed in accordance with Rule 16 of the Constitution of the Royal British Legion Scotland (revised 2009). The activities of the Branch are governed by the Constitution of the Royal British Legion Scotland.

The Branch is a Scottish Charity having the reference SC018014.

Recruitment and appointment of new trustees

The Constitution provides for the appointment of a committee elected from members of the Branch in general meeting.

Organisational structure

The Branch is administered by a Branch Committee consisting of the Officers and such additional members as the Branch considers necessary.

The duty of the Branch Committee is to exercise a controlling oversight over the affairs of the Branch and to carry out any direction given to it by the Branch.

In addition to the Annual General Meeting, the Committee met several times during the year to transact business.

Page 1

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

TRUSTEES' REPORT FOR THE YEAR ENDED 31 OCTOBER 2025

STRUCTURE, GOVERNANCE AND MANAGEMENT Induction and training of new trustees

New committee members are given a copy of the charity's constitution which lays out the expectations of the roles of each officer.

Risk management

The trustees have a duty to identify and review the risks to which the charity is exposed and to ensure appropriate controls are in place to provide reasonable assurance against fraud and error.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity number SCO18014

Principal address 13 - 19 Renfrew Road Paisley Renfrewshire PA3 4BD

Trustees K Lupton C McPherson

Honorary President J G Gaughan

Independent Examiner Paul Craig FCCA Azets Accountants Titanium 1 King's Inch Place Renfrew PA4 8WF

Approved by order of the board of trustees on 21 February 2026 and signed on its behalf by:

K Lupton - Trustee

Page 2

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

I report on the accounts for the year ended 31 October 2025 set out on pages four to twelve.

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 Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended). The charity's trustees consider that the audit requirement of Regulation 10(1)(a) to (c) of the Accounts Regulations does not apply. It is my responsibility to examine the accounts as required under Section 44(1)(c) of the Act and to state whether particular matters have come to my attention.

Basis of the independent examiner's report

My examination was carried out in accordance with Regulation 11 of the Charities Accounts (Scotland) Regulations 2006. 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 an 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 :

have not been met; or

Paul Craig FCCA The Institute of Chartered Accountants of Scotland

Azets

Accountants Titanium 1 King's Inch Place Renfrew PA4 8WF

21 February 2026

Page 3

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 OCTOBER 2025

DRAF
Unrestricted
fund
Notes
£
INCOME AND ENDOWMENTS FROM
Charitable activities
Pipe Band
5,360
Members Subscriptions
14,455
Investment income
2
21,321
Other income
5,691
Total
46,827
EXPENDITURE ON
Charitable activities
Pipe Band
7,104
Donations and benevolence
1,802
Members Subscriptions
16,417
Administration
23,772
Governance
3,410
Other
4,919
Total
57,424
NET INCOME/(EXPENDITURE)
(10,597)
RECONCILIATION OF FUNDS
Total funds brought forward
748,790
TOTAL FUNDS CARRIED FORWARD
738,193
T
Restricted
fund
£
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2025
Total
funds
£
5,360
14,455
21,321
5,691
46,827
7,104
1,802
16,417
23,772
3,410
4,919
57,424
(10,597)
748,790
738,193
2024
Total
funds
£
1,852
10,024
23,967
11,550
47,393
6,499
2,025
8,437
17,711
3,060
4,919
42,651
4,742
744,048
748,790

The notes form part of these financial statements

Page 4

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

BALANCE SHEET 31 OCTOBER 2025

DRAFT
Unrestricted
Restricted
fund
fund
Notes
£
£
FIXED ASSETS
Tangible assets
7
422,026
-
Investments
8
100,000
-
522,026
-
CURRENT ASSETS
Debtors
9
376
-
Investments
10
182,916
-
Cash at bank
39,403
-
222,695
-
CREDITORS
Amounts falling due within one year
11
(6,528)
-
NET CURRENT ASSETS
216,167
-
TOTAL ASSETS LESS CURRENT
LIABILITIES
738,193
-
NET ASSETS
738,193
-
FUNDS
12
Unrestricted funds
TOTAL FUNDS
The financial statements were approved by the Board of Trustees and authorised for issue o
signed on its behalf by:
2025
2024
Total
Total
funds
funds
£
£
422,026
426,945
100,000
100,000
522,026
526,945
376
325
182,916
175,039
39,403
50,788
222,695
226,152
(6,528)
(4,307)
216,167
221,845
738,193
748,790
738,193
748,790
738,193
748,790
738,193
748,790
n 21 February 2026 and wer

The financial statements were approved by the Board of Trustees and authorised for issue on 21 February 2026 and were signed on its behalf by:

K Lupton - Trustee

The notes form part of these financial statements

Page 5

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 OCTOBER 2025

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements have been prepared in accordance with 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 (FRS102) (effective 1 January 2019) - (Charities SORP (FRS 102) and the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102).

The Royal British Legion Scotland Paisley Comrades Branch 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 note(s).

of the following disclosure exemption in preparing these there are no material uncertainties about the charity's ability significant areas of adjustment and with respect to the depreciated over their useful lives taking into account of the assets and residual values are assessed annually In re-assessing asset lives, factors such as technological programmes are taken into account. Residual value assessments indications of impairment. If required an impairment review impairment. Factors taken into consideration in reaching future financial performance of the asset the charity has entitlement to the funds, any performance

Financial reporting standard 102 - reduced disclosure exemptions

The charity has taken advantage of the following disclosure exemption in preparing these financial statements, as permitted by FRS 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland':

Preparation of accounts on a going concern basis

The trustees consider that there are no material uncertainties about the charity's ability to continue as a going concern. There were no significant areas of adjustment and with respect to the next reporting period, no significant areas of uncertainty.

Accounting judgements and Sources of estimation uncertainty

In preparing these financial statements, the trustees have made the following judgements:

Tangible fixed assets are depreciated over their useful lives taking into account residual values, where appropriate. The actual lives of the assets and residual values are assessed annually and may vary depending on a number of factors. In re-assessing asset lives, factors such as technological innovation, product life cycles and maintenance programmes are taken into account. Residual value assessments consider issues such as future market conditions, the remaining life of the asset and projected disposal values.

Assets are considered for indications of impairment. If required an impairment review will be carried out and a decision made on possible impairment. Factors taken into consideration in reaching such a decision include the economic viability and expected future financial performance of the asset and where it is a component of a larger cash-generating unit, the viability and expected future performance of that unit.

Income

Income is recognised when the charity has entitlement to the funds, any performance conditions attached to the item(s) of income have been met, it is probable that the income will be received and the amount can be measured reliably.

Donations, are recognised when the charity has been notified in writing of both the amount and settlement date. In the event that a donation is subject to conditions that require a level of performance before the charity is entitled to the funds, the income is deferred and not recognised until either those conditions are fully met, or the fulfilment of those conditions is wholly within the control of the charity and it is probable that those conditions will be fulfilled in the reporting period.

Legacy gifts are recognised on a case by case basis following the granting of probate when the administrator/executor for the estate has communicated in writing both the amount and settlement date. In the event that the gift is in the form of an asset other than cash or a financial asset traded on a recognised stock exchange, recognition is subject to the value of the gift being reliably measurable with a degree of reasonable accuracy and the title to the asset having been transferred to the charity.

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.

Page 6

continued...

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2025

1. ACCOUNTING POLICIES - continued

Income

Dividends are recognised once the dividend has been declared and notification has been received of the dividend due. This is normally upon notification by our investment advisor of the dividend yield of the investment portfolio.

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.

Rental income is included in the period in which it is earned.

Other income represents those items not falling into any other heading.

once there is a legal or constructive obligation to make a payment will be required and the amount of the obligation can be measured activities includes the costs of activities undertaken to functions that assist the work of the charity but do not include back office costs, finance, personnel, payroll and and activities. These costs have been allocated to hand includes cash and short term highly liquid investments depreciated as it is considered to be an Investment Property not been revalued in accordance with the relevant accounting

Expenditure

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably. Expenditure is classified under the following activity headings:

Irrecoverable VAT is charged as a cost against the activity for which the expenditure was incurred.

Allocation of support costs

Support costs are those functions that assist the work of the charity but do not directly undertake charitable activities. Support costs include back office costs, finance, personnel, payroll and governance costs which support the charity's programmes and activities. These costs have been allocated to expenditure on charitable activities.

Cash at bank and in hand

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.

Tangible fixed assets

Freehold property is not depreciated as it is considered to be an Investment Property as defined by the FRS 102. However, the property has not been revalued in accordance with the relevant accounting standard in view of the cost implication to the charity.

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life -

Integral features - 10% straight line

Fund accounting

Unrestricted funds are available to spend on activities that further any of the purposes of charity. Designated funds are unrestricted funds of the charity which the trustees have decided at their discretion to set aside to use for a specific purpose. Restricted funds are donations which the donor has specified are to be solely used for particular areas of the charity's work.

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 of its financial instruments.

Financial instruments are recognised in the charity's balance sheet when the charity becomes party to the contractual provisions of the instrument.

continued...

Page 7

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2025

1. ACCOUNTING POLICIES - continued

Financial instruments

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transactions costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

only when the contractual rights to the cash flows from transfers the financial asset and substantially significant risks and rewards of ownership are retained but equity instruments are classified according to the An equity instrument is any contract that evidences a residual including creditors, are initially recognised at transaction price transaction, where the debt instrument is measured at the rate of interest. Financial liabilities classified as payable recognised at the settlement amount due after any discount are recognised where the charity has a present obligation in the transfer of funds to a third party and the amount due to settle Creditors and provisions are normally recognised at their

Derecognition of financial assets

Financial assets are derecognised only when the contractual rights to the cash flows from the asset expire or are settled, or when the charity transfers the financial asset and substantially all the risks and rewards of ownership to another entity, or if some significant risks and rewards of ownership are retained but control of the asset has transferred to another party that is able to sell the asset in its entirety to an unrelated third party.

Classification of financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the charity after deducting all of its liabilities.

Basic financial liabilities

Basic financial liabilities, including creditors, are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

Debtors

Trade and other debtors are recognised at the settlement amount due after any discount offered. Prepayments are valued at the amount prepaid net of any discounts due.

Creditors and provisions

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 discounts due.

2.

allowing for any discounts due.
INVESTMENT INCOME
Rents received
Interest received
2025
£
9,996
11,325
21,321
2024
£
9,996
13,971
23,967

continued...

Page 8

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2025

3. SUPPORT COSTS

Management
£
Pipe Band
-
Administration
23,772
Governance
-
23,772
Governance
Finance
costs
£
£
77
-
-
-
-
3,410
77
3,410
Totals
£
77
23,772
3,410
27,259

4.

TRUSTEES' REMUNERATION AND BENEFITS

5.
6.
DRAFT
There were no trustees' remuneration or other benefits for the year ended 31 October 2025 nor for the year ended
31 October 2024.
Trustees' expenses
There were no
trustees' expenses paid for the year ended 31 October 2025 nor for the year ended
31 October 2024.
STAFF COSTS
The average monthly number of employees during the year was as follows:
2025
2024
Administration
1
1
No employees received emoluments in excess of £60,000.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
Restricted
Total
fund
fund
funds
£
£
£
INCOME AND ENDOWMENTS FROM
Charitable activities
Pipe Band
1,852
-
1,852
Members Subscriptions
10,024
-
10,024
DRAFT
There were no trustees' remuneration or other benefits for the year ended 31 October 2025 nor for the year ended
31 October 2024.
Trustees' expenses
There were no
trustees' expenses paid for the year ended 31 October 2025 nor for the year ended
31 October 2024.
STAFF COSTS
The average monthly number of employees during the year was as follows:
2025
2024
Administration
1
1
No employees received emoluments in excess of £60,000.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
Restricted
Total
fund
fund
funds
£
£
£
INCOME AND ENDOWMENTS FROM
Charitable activities
Pipe Band
1,852
-
1,852
Members Subscriptions
10,024
-
10,024
DRAFT
There were no trustees' remuneration or other benefits for the year ended 31 October 2025 nor for the year ended
31 October 2024.
Trustees' expenses
There were no
trustees' expenses paid for the year ended 31 October 2025 nor for the year ended
31 October 2024.
STAFF COSTS
The average monthly number of employees during the year was as follows:
2025
2024
Administration
1
1
No employees received emoluments in excess of £60,000.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
Restricted
Total
fund
fund
funds
£
£
£
INCOME AND ENDOWMENTS FROM
Charitable activities
Pipe Band
1,852
-
1,852
Members Subscriptions
10,024
-
10,024
Investment income
23,967
- 23,967
Other income
11,550
- 11,550
Total
47,393
- 47,393
EXPENDITURE ON
Charitable activities
Pipe Band
6,499
- 6,499
Donations and benevolence
2,025
- 2,025
Members Subscriptions
8,437
- 8,437
Administration
17,711
- 17,711
Governance
3,060
- 3,060
Other
4,919
- 4,919
Total
42,651
- 42,651

continued...

Page 9

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2025

DRAFT
6.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES - continued
Unrestricted
Restricted
fund
fund
£
£
NET INCOME
4,742
-
RECONCILIATION OF FUNDS
Total funds brought forward
744,048
-
TOTAL FUNDS CARRIED FORWARD
748,790
-
7.
TANGIBLE FIXED ASSETS
Freehold
Integral
property
features
£
£
COST
At 1 November 2024 and 31 October 2025
396,436
49,175
DEPRECIATION
At 1 November 2024
-
18,666
Charge for year
-
4,919
At 31 October 2025
-
23,585
NET BOOK VALUE
At 31 October 2025
396,436
25,590
At 31 October 2024
396,436
30,509
8.
FIXED ASSET INVESTMENTS
2025
£
Other
100,000
There were no investment assets outside the UK.
Investments (neither listed nor unlisted) were as follows:
2025
£
Investments
100,000
Total
funds
£
4,742
744,048
748,790
Totals
£
445,611
18,666
4,919
23,585
422,026
426,945
2024
£
100,000
2024
£
100,000
Total
funds
£
4,742
744,048
748,790

continued...

Page 10

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2025

DRAFT
9.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Prepayments
10.
CURRENT ASSET INVESTMENTS
Term deposit account
11.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Club current account
Accruals and deferred income
12.
MOVEMENT IN FUNDS
At
1/11/24
£
Unrestricted funds
General fund
748,790
TOTAL FUNDS
748,790
Net movement in funds, included in the above are as follows:
Incoming
resources
£
Unrestricted funds
General fund
46,827
TOTAL FUNDS
46,827
Comparatives for movement in funds
At
1/11/23
£
Unrestricted funds
General fund
744,048
TOTAL FUNDS
744,048
2025
£
376
2025
£
182,916
2025
£
3,627
2,901
6,528
Net
movement
in funds
£
(10,597)
(10,597)
Resources
expended
£
(57,424)
(57,424)
Net
movement
in funds
£
4,742
4,742

continued...

Page 11

ROYAL BRITISH LEGION SCOTLAND PAISLEY COMRADES BRANCH

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 OCTOBER 2025

12. MOVEMENT IN FUNDS - continued

Comparative net movement in funds, included in the above are as follows:

Incoming Resources Movement
resources expended in funds
£ £ £
Unrestricted funds
General fund 47,393 (42,651) 4,742
TOTAL FUNDS 47,393 (42,651) 4,742
DRAFT
A current year 12 months and prior year 12 months combined position is as follows:
Net
At
movement
At
1/11/23
in funds
31/10/25
£
£
£
Unrestricted funds
General fund
744,048
(5,855)
738,193
TOTAL FUNDS
744,048
(5,855)
738,193
A current year 12 months and prior year 12 months combined net movement in funds, included in the above are
as follows:
Incoming
Resources
Movement
resources
expended
in funds
£
£
£
Unrestricted funds
General fund
94,220
(100,075)
(5,855)
TOTAL FUNDS
94,220
(100,075)
(5,855)

Restricted funds relate to grant monies received from Renfrewshire Council for the purchase of pipes and drums equipment. This grant was fully spent at the year end.

13. RELATED PARTY DISCLOSURES

During the year the Royal British Legion Scotland Paisley Comrades Branch made interest free unsecured advances to the Royal British Legion Scotland Paisley Comrades Club. The balance due to the club at 31 October 2025 was £3,627 (2024: £2,056).

Page 12