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2025-06-30-accounts

REGISTERED COMPANY NUMBER: SC202832 (Scotland)
REGISTERED CHARITY NUMBER: SC029785

REPORT OF THE TRUSTEES AND

UNAUDITED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 JUNE 2025

FOR

THE CATHERINE M. MACLEOD (HARRIS) TRUST
CIB Services
Chartered Accountants
63 Kenneth Street
Stornoway
Isle of Lewis
Western Isles
HS1 2DS
THE CATHERINE M. MACLEOD (HARRIS) TRUST

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2025

Page
Report of the Trustees 1 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5
Balance Sheet 6
Notes to the Financial Statements 7 to 13
THE CATHERINE M. MACLEOD (HARRIS) TRUST (REGISTERED NUMBER: SC202832)

REPORT OF THE TRUSTEES

FOR THE YEAR ENDED 30 JUNE 2025

ThetrusteeswhoarealsodirectorsofthecharityforthepurposesoftheCompaniesAct2006,presenttheirreportwiththe financial
statementsofthecharityfortheyearended30June2025.ThetrusteeshaveadoptedtheprovisionsofAccountingandReporting by
Charities:StatementofRecommendedPracticeapplicabletocharitiespreparingtheiraccountsinaccordancewiththe Financial
Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

OBJECTIVES AND ACTIVITIES

Objectives and aims

The objects of the charity are:-
(1)TorelievetheneedsofelderlypersonsresidentintheIsleofHarrisbytheprovisionoffundstoenableotherstocarry out
household duties or other work to enable the said elderly persons to continue to reside in their own homes;
(2) To provide through a funeral association financial assistance towards the cost of funerals in case of need.
(3) To provide financial assistance for the purchase of medical equipment and
(4) To provide bursaries to students going on to further education from Sir E Scott School, Tarbert, Harris.
In2008,thecharityacquiredthecapitalofMrsMaureenMogg'sLiferentTrust('MoggFund'),whichwastreatedasa separate
restrictedfund.ThepurposeofthisfundwasforthebenefitofchildrenintheIsleofHarriswhoaredisadvantagedorgiftedto assist
with the cost of furthering their potential in their chosen field of arts or profession through further education.
Asboththefundshavecommonaims,thetrusteestookthedecision,afterreceivingappropriateadvice,tomergetheMogg Fund
with the Catherine M Macleod Fund to reduce administrative costs. The funds were merged on 31 March 2019.

Significant activities

Duringtheyear,awardsofassistancehavebeenmadeinaccordancewiththeobjectsofthecharity,withgrantstoindividuals of
£10,800 (2024 - £7,800) and grants to institutions of £11,500 (2024 - £6,000).

Grantmaking

Details of the grants awarded during the year are included in the notes to the financial statements.

ACHIEVEMENTS AND PERFORMANCE

Charitable activities

The Trust continues to offer grants and bursaries for the benefit of residents in the Isle of Harris area.

Investment performance

Thecharity'sinvestmentportfolioismanagedbyRathbones.Thevalueofthecharity'sportfolio,whichincludesbonds, equities,
alternative assets and cash balances, has increased by 1.9% over the year to 30 June 2025 (2024 - 5.3% increase).

FINANCIAL REVIEW

Financial position

Duringtheyearthecharity'sexpenditureexceededincomeresultinginanetoperatingdeficitof£11,597fortheperiod(2024- net
operatingdeficitof£2,866).Realisedandunrealisednetgainsonthecharity'sinvestmentportfolioat30June2025amounted to
£12,677(2024-netgainsof£26,849).Thishasresultedinanoverallsurplusfortheyearof£1,080(2024-surplusof £23,983).
Thisrepresentsanincreaseof£1,080inunrestrictedfundswhichhaveasaresultincreasedto£479,650(2024-£478,570). Total
funds of £479,650 were held at year-end (2024 - £478,570).

Reserves policy

ThereservesoftheTrustrepresenttheCatherineMMacleodFundandtheMoggMemorialFundwhichweremergedon31 March
2019.TheFundshavebeeninvestedinthecharity'sinvestmentportfolio.Thecharitycontinuestomanageitsinvestments and
reserves in order to have adequate investment income available to make meaningful payments to eligible beneficiaries.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

Theorganisationisacharitablecompanylimitedbyguarantee,incorporatedon6January2000andwasregisteredasa Scottish
charityon7February2002.ThecompanywasestablishedunderaMemorandumofAssociationwhichestablishedtheobjects and
powersofthecharitablecompanyandisgovernedunderitsArticlesofAssociation.Intheeventofthecompanybeingwound up
members are required to contribute an amount not exceeding £1.
Page 1

THE CATHERINE M. MACLEOD (HARRIS) TRUST (REGISTERED NUMBER: SC202832)

REPORT OF THE TRUSTEES

FOR THE YEAR ENDED 30 JUNE 2025

STRUCTURE, GOVERNANCE AND MANAGEMENT

Recruitment and appointment of new trustees

Thedirectorsareappointedbythenominatedmembers,eachnominatedmemberbeingentitledtoappointonedirectoror,if an
individual,toserveasadirectorhimself.Membershipofthecompanyconsistsonlyofnominatedmembers,being individuals,
institutionsandorganisationswhosupporttheobjectsofthecompanyandwhomtheBoardshalldeemappropriateto be
represented amongst the membership of the company and shall so nominate for representation.

Organisational structure

The board consists of voluntary directors who manage the affairs of the charity through regular board meetings. The
board members are heavily involved in the day to day operations of the charity.

Induction and training of new trustees

The charity undertakes training for trustees to ensure awareness and understanding of:-

Risk management

Thetrusteeshaveadutytoidentifyandreviewtheriskstowhichthecharityisexposedandtoensureappropriatecontrolsare in
place to provide reasonable assurance against fraud and error.
Thetrusteeshaveconsideredthemajorriskstowhichthecharityisexposed,inparticularthoserelatingtotheoperations and
finances of the charity, and are satisfied that measures are in place to mitigate exposure to those risks.

REFERENCE AND ADMINISTRATIVE DETAILS Registered Company number

SC202832 (Scotland)

Registered Charity number

SC029785

Registered office

Hill Cottage
Scott Road
Tarbert
Isle of Harris
HS3 3DL

Trustees

D E Cameron
R C Morrison
A M Macsween
K M Macleod
A J Johnson

Company Secretary

K M Macleod
Page 2

THE CATHERINE M. MACLEOD (HARRIS) TRUST (REGISTERED NUMBER: SC202832)

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 30 JUNE 2025

REFERENCE AND ADMINISTRATIVE DETAILS

Independent Examiner

John E Moffat BA FCA
CIB Services
Chartered Accountants
63 Kenneth Street
Stornoway
Isle of Lewis
Western Isles
HS1 2DS
ThisreporthasbeenpreparedinaccordancewiththespecialprovisionsofPart15oftheCompaniesAct2006relatingto small
companies.
Approved by order of the board of trustees on 24 March 2026 and signed on its behalf by:
D E Cameron - Trustee
Page 3

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF THE CATHERINE M. MACLEOD (HARRIS) TRUST

I report on the accounts for the year ended 30 June 2025 set out on pages five to thirteen.

Respective responsibilities of trustees and examiner

Thecharity'strusteesareresponsibleforthepreparationoftheaccountsinaccordancewiththetermsoftheCharitiesand Trustee
Investment(Scotland)Act2005andtheCharitiesAccounts(Scotland)Regulations2006(asamended).Thecharity's trustees
considerthattheauditrequirementofRegulation10(1)(a)to(c)oftheAccountsRegulationsdoesnotapply.Itismy responsibility
toexaminetheaccountsasrequiredunderSection44(1)(c)oftheActandtostatewhetherparticularmattershavecometo my
attention.

Basis of the independent examiner's report

MyexaminationwascarriedoutinaccordancewithRegulation11oftheCharitiesAccounts(Scotland)Regulations2006. An
examinationincludesareviewoftheaccountingrecordskeptbythecharityandacomparisonoftheaccountspresentedwith those
records.Italsoincludesconsiderationofanyunusualitemsordisclosuresintheaccounts,andseekingexplanationsfromyou as
trusteesconcerninganysuchmatters.Theproceduresundertakendonotprovidealltheevidencethatwouldberequiredinan 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
John E Moffat BA FCA
The Institute of Chartered Accountants in England and Wales
CIB Services
Chartered Accountants
63 Kenneth Street
Stornoway
Isle of Lewis
Western Isles
HS1 2DS
26 March 2026
Page 4

THE CATHERINE M. MACLEOD (HARRIS) TRUST

STATEMENT OF FINANCIAL ACTIVITIES (INCORPORATING AN INCOME AND EXPENDITURE ACCOUNT) FOR THE YEAR ENDED 30 JUNE 2025

Unrestricted
fund
Notes
£
INCOME AND ENDOWMENTS FROM
Investment income
3
15,507
EXPENDITURE ON
Raising funds
4
4,014
Charitable activities
5
Charitable activities
23,090
Total
27,104
Net gains on investments
12,677
NET INCOME
1,080
RECONCILIATION OF FUNDS
Total funds brought forward
478,570
TOTAL FUNDS CARRIED FORWARD
479,650
Restricted
fund
£
-
-
-
-
-
-
-
-
30.6.25
30.6.24
Total
Total
funds
funds
£
£
15,507
15,527
4,014
3,932
23,090
14,461
27,104
18,393
12,677
26,849
1,080
23,983
478,570
454,587
479,650
478,570
30.6.25
30.6.24
Total
Total
funds
funds
£
£
15,507
15,527
4,014
3,932
23,090
14,461
27,104
18,393
12,677
26,849
1,080
23,983
478,570
454,587
479,650
478,570
3,932
14,461
18,393
26,849
23,983
454,587
478,570
The notes form part of these financial statements
Page 5

THE CATHERINE M. MACLEOD (HARRIS) TRUST (REGISTERED NUMBER: SC202832)

BALANCE SHEET 30 JUNE 2025

Unrestricted
fund
Notes
£
FIXED ASSETS
Investments
11
460,421
CURRENT ASSETS
Debtors
12
5,465
Cash at bank
14,423
19,888
CREDITORS
Amounts falling due within one year
13
(659)
NET CURRENT ASSETS
19,229
TOTAL ASSETS LESS CURRENT LIABILITIES
479,650
NET ASSETS
479,650
FUNDS
14
Unrestricted funds
TOTAL FUNDS
Restricted
fund
£
-
-
-
-
-
-
-
-
30.6.25
Total
funds
£
460,421
5,465
14,423
19,888
(659)
19,229
479,650
479,650
479,650
479,650
30.6.24
Total
funds
£
451,948
5,325
21,897
27,222
(600)
26,622
478,570
478,570
478,570
478,570
ThecharitablecompanyisentitledtoexemptionfromauditunderSection477oftheCompaniesAct2006fortheyear ended
30 June 2025.
Themembershavenotrequiredthecompanytoobtainanauditofitsfinancialstatementsfortheyearended30June2025 in
accordance with Section 476 of the Companies Act 2006.
The trustees acknowledge their responsibilities for
Thesefinancialstatementshavebeenpreparedinaccordancewiththeprovisionsapplicabletocharitablecompaniessubjectto the
small companies regime.
ThefinancialstatementswereapprovedbytheBoardofTrusteesandauthorisedforissueon24March2026andweresignedon its
behalf by:
D E Cameron - Trustee
The notes form part of these financial statements
Page 6
THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2025

1. STATUTORY INFORMATION

TheCatherineMMacleod(Harris)Trustisaprivatecharitablecompany,limitedbyguarantee,registeredinScotland. The
charitable company's registered number and registered office address can be found in the Report of the Trustees.

2. ACCOUNTING POLICIES

Basis of preparing the financial statements

Thefinancialstatementsofthecharitablecompany,whichisapublicbenefitentityunderFRS102,havebeenprepared in
accordancewiththeCharitiesSORP(FRS102)'AccountingandReportingbyCharities:StatementofRecommended Practice
applicabletocharitiespreparingtheiraccountsinaccordancewiththeFinancialReportingStandardapplicableintheUK and
RepublicofIreland(FRS102)(effective1January2019)',FinancialReportingStandard102'TheFinancial Reporting
StandardapplicableintheUKandRepublicofIreland'andtheCompaniesAct2006.Thefinancialstatementshave been
preparedunderthehistoricalcostconvention,withtheexceptionofinvestmentswhichareincludedatmarketvalue, as
modified by the revaluation of certain assets.
Thefinancialstatementsarepreparedinsterlingwhichisthefunctionalcurrencyofthecharity,andamountsarerounded to
the nearest £.

Going concern

Thetrusteeshaveassessedthecharity'sabilitytocontinueasagoingconcernanddonotconsidertheretobeany material
uncertainties about the charity's ability to continue as a going concern.

Financial reporting standard 102 - reduced disclosure exemptions

Thecharitablecompanyhastakenadvantageofthefollowingdisclosureexemptioninpreparingthesefinancial statements,
as permitted by FRS 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland':

Critical accounting judgements and key sources of estimation uncertainty

Intheapplicationofthecharity'saccountingpolicies,thetrusteesarerequiredtomakejudgements,estimates and
assumptions that affect the amounts reported for assets, liabilities, income and expenditure.
Theestimatesandassociatedassumptionsarebasedonhistoricalexperienceandotherfactorsthatareconsideredto be
relevant. Actual results may differ from these estimates.
Theestimatesandassumptionsarereviewedonanongoingbasis.Revisionstoaccountingestimatesarerecognisedin the
period in which the estimate is revised and in future periods should it affect future periods.
Thetrusteesconsiderthattherearenosignificantareasofjudgements,estimatesorkeyassumptionsthataffectitems in
the accounts.

Income

AllincomeisrecognisedintheStatementofFinancialActivitiesoncethecharityhasentitlementtotheincome,there is
sufficientcertaintyofreceiptandsoitisprobablethattheincomewillbereceived,andtheamountofincomereceivable can
be measured reliably.

Expenditure

Liabilitiesarerecognisedasexpenditureassoonasthereisalegalorconstructiveobligationcommittingthecharityto that
expenditure,itisprobablethatatransferofeconomicbenefitswillberequiredinsettlementandtheamountof the
obligationcanbemeasuredreliably.Expenditureisaccountedforonanaccrualsbasisandhasbeenclassified under
headingsthataggregateallcostrelatedtothecategory.Wherecostscannotbedirectlyattributedtoparticular headings
they have been allocated to activities on a basis consistent with the use of resources.
Grantsofferedsubjecttoconditionswhichhavenotbeenmetattheyearenddatearenotedasacommitmentbut not
accrued as expenditure.
continued...
Page 7
THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS - continued

FOR THE YEAR ENDED 30 JUNE 2025

2. ACCOUNTING POLICIES - continued

Raising funds

Costs of raising funds consists of investment management costs.

Charitable activities

Charitableexpenditurecomprisesthosecostsincurredbythecharityinthedeliveryofitsobjectsandactivities.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

Governancecostsincludethosecostsassociatedwithmeetingtheconstitutionalandstatutoryrequirementsofthe charity
and include accountancy fees and costs linked to the strategic management of the charity.

Allocation and apportionment of costs

AllcostsareallocatedbetweentheexpenditurecategoriesoftheStatementofFinancialActivitiesonabasisdesigned to
reflecttheuseoftheresource.Costsrelatingtoaparticularactivityareallocateddirectly,othersareapportionedon an
appropriate basis e.g. estimated usage.

Taxation

The charity is exempt from corporation tax on its charitable activities.

Fund accounting

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

Fixed asset investments

Investmentsareinitiallyrecognisedattheirtransactionvalueandsubsequentlymeasuredattheirmarketvalueasat the
balancesheetdateusingtheclosingquotedmarketprice.Thestatementoffinancialactivitiesincludesthenetgains and
losses arising on revaluation and disposals throughout the year.
The Trust does not acquire or use put options, derivatives or other complex financial instruments.

Realised gains and losses

Allgainsandlossesaretakentothestatementoffinancialactivitiesastheyarise.Realisedgainsandlosseson investments
arecalculatedasthedifferencebetweensalesproceedsandtheiropeningcarryingvalueortheirpurchasevalueif acquired
subsequenttothefirstdayofthefinancialyear.Unrealisedgainsandlossesarecalculatedasthedifferencebetweenthe fair
valueattheyearendandtheircarryingvalue.Realisedandunrealisedinvestmentgainsandlossesarecombinedin the
Statement of Financial Activities.

Debtors and creditors receivable / payable within one year

Debtorsandcreditorswithnostatedinterestrateandreceivableorpayablewithinoneyeararerecordedat transaction
price. Any losses arising from impairment are recognised in expenditure.
continued...
Page 8
THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 30 JUNE 2025

3.
INVESTMENT INCOME
30.6.25
£
Investment income
15,507
4.
RAISING FUNDS
Investment management costs
30.6.25
£
Portfolio management fees
4,014
5.
CHARITABLE ACTIVITIES COSTS
Grant
funding of
activities
Support
(see note
costs (see
7)
note 8)
£
£
Charitable activities
22,300
790
6.
DIRECT COSTS OF CHARITABLE ACTIVITIES
30.6.25
£
7.
GRANTS PAYABLE
30.6.25
£
Charitable activities
22,300
The total grants paid to institutions during the year was as follows:
30.6.25
£
Crossroads Care Harris
5,000
Harris Food Share Scheme
1,500
Harris Charity Shop
5,000
11,500
30.6.24
£
15,527
30.6.24
£
3,932
Totals
£
23,090
30.6.24
£
15,527
30.6.24
£
3,932
Totals
£
23,090
30.6.24
£
30.6.24
£
13,800
30.6.24
£
6,000
-
-
6,000
6,000
continued...
Page 9
THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 30 JUNE 2025

8. SUPPORT COSTS

SUPPORT COSTS
Governance
costs
£
Charitable activities 790
Support costs, included in the above, are as follows:
30.6.25 30.6.24
Charitable Total
activities activities
£ £
Accountancy fees 660 600
Annual return fee 130 61
790 661

9. TRUSTEES' REMUNERATION AND BENEFITS

Therewerenotrustees'remunerationorotherbenefitsfortheyearended30June2025norfortheyear ended
30 June 2024.

Trustees' expenses

There were no  trustees' expenses paid for the year ended 30 June 2025 nor for the year ended 30 June 2024.

10. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
fund
£
INCOME AND ENDOWMENTS FROM
Investment income
15,527
EXPENDITURE ON
Raising funds
3,932
Charitable activities
Charitable activities
14,461
Total
18,393
Net gains on investments
26,849
NET INCOME
23,983
RECONCILIATION OF FUNDS
Total funds brought forward
454,587
Restricted
fund
£
-
-
-
-
-
-
-
Total
funds
£
15,527
3,932
14,461
18,393
26,849
23,983
454,587
continued...
Page 10
THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 30 JUNE 2025

10. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES - continued COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES - continued
Unrestricted Restricted Total
fund fund funds
£ £ £
TOTAL FUNDS CARRIED FORWARD 478,570 - 478,570
11. FIXED ASSET INVESTMENTS
Listed
investments
£
MARKET VALUE
At 1 July 2024 451,948
Additions 39,235
Disposals (44,935)
Revaluations 14,173
At 30 June 2025 460,421
NET BOOK VALUE
At 30 June 2025 460,421
At 30 June 2024 451,948
There were no investment assets outside the UK.
Cost or valuation at 30 June 2025 is represented by:
Listed
investments
£
Valuation in 2025 140,561
Cost 319,860
460,421
12. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
30.6.25 30.6.24
£ £
Other debtors 5,465 5,325
continued...
Page 11
THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 30 JUNE 2025

13. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

Accrued expenses
14.
MOVEMENT IN FUNDS
Unrestricted funds
Catherine M Macleod Fund
TOTAL FUNDS
Net movement in funds, included in the above are as follows:
Incoming
resources
£
Unrestricted funds
Catherine M Macleod Fund
15,507
TOTAL FUNDS
15,507
At 1.7.24
£
478,570
478,570
Resources
expended
£
(27,104)
(27,104)
30.6.25
£
659
Net
movement
in funds
£
1,080
1,080
Gains and
losses
£
12,677
12,677
30.6.24
£
600
At
30.6.25
£
479,650
30.6.24
£
600
At
30.6.25
£
479,650
479,650
Movement
in funds
£
1,080
1,080
1,080

Comparatives for movement in funds

Net
movement At
At 1.7.23 in funds 30.6.24
£ £ £
Unrestricted funds
Catherine M Macleod Fund 454,587 23,983 478,570
TOTAL FUNDS 454,587 23,983 478,570
Comparative net movement in funds, included in the above are as follows:
Incoming Resources Gains and Movement
resources expended losses in funds
£ £ £ £
Unrestricted funds
Catherine M Macleod Fund 15,527 (18,393) 26,849 23,983
TOTAL FUNDS 15,527 (18,393) 26,849 23,983
continued...
Page 12

THE CATHERINE M. MACLEOD (HARRIS) TRUST

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 30 JUNE 2025

14. MOVEMENT IN FUNDS - continued

FUNDS

Catherine M Macleod Fund

TheCatherineMMacleodFundrepresentsunrestrictedfundswhichthetrusteesarefreetouseinaccordancewith the
charitable objects.

15. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 30 June 2025.
Page 13