Stirling and Union Bridge Club STIRLING AND UNION BRIDGE CLUB (SUBC) "A Scottish Charitsble Incorporated Organisation SC044735' TRUSTEES, REPORT AND ACCOUNTS TO 31st MARCH 2025 OSCR
Stirling and Union Bridge Club Chartty Informatlon for the period ended 31st March 2025 SC044735 35A Colquhoun Street Stirling FK7 7PX Trustees elected or re-elected at the AG M on the 25th June 2024 There were no resignations. 8ank of Scotland 7-13 Port Street Stirling FK8 2EJ OSCR
Stirling and Union Bridge Club Trustees, Report for the period endod 318t March 2025 Fornwl purpose of the charlty SU8C was register8d as a Scottish Charitable Incorporated Organisation by constitution resolution dated 13th March 2014. The principal activity of the charity is the promotion, learning and teaching of Bridoe in the intet of social welfare, wtth the aim of improving th8 corKlitions of life for the PSonS using the facilities or participating in the activities of The Club. Any person may apply for mombership. The Board will decide whether to admit any person to membership. The Board is re-elected at the AGM each year. The Board controls the activities of the orqanisation. The members of The Board are known as the Chanty Trustees and any new Board Member is given induction training {S8e Appendix 1) which will anable the rEw Board Member to understand and familiarise themselves With the Charities Constitution, our decision-making processes and the aims of the charfty. Ongoing training is provided to Trustees as required. SUBC is r8cognised as a Scottish Charity by Ihe OSCR and is 8x1p1 from taxation. Tho trusteps have no liability in Ihe event of the charity being wound up The trustees are listed on Page 2. They are unpaid and only receive reimbursement tor expenses incurred by them whilst carrying out duties for the charrty. Mealth and Safety Tha board will continue lo b8 responsible for ensuring regular risk assessments an¢ procedures are catTied out and followed. The nsk register will be updated on an annual basis and any new regulations or actions requinng implementation a fed back to Board Mernbers and Club M8mbers as rèquired. Actlvfties arKI Accounts The accounts cover the period from 1 st April 2024 to the 31 st March 2025 and ara pr8pare(J on a receipts and payments basis. Some members still prefer to play online but th8 vast majorty play face to face at the club. Currently we have around 155 members. Teaching continues throughout the year wrth the average class siz8 b8ing from 8 to g with two sessions per year. In othober over 40 m8mb8rs and fri8nds enjoyed an afterrK)on of Contract Bridge irt aid of the MND charbty Aftemoon lea. sandwiches and home made cakes were s@rved and at the end of the day OV8f £2,000 was raised. In November the members play in a national competition at the club. This was SFfead over several sessions and raised in total over £600 for the charity Children in Need. The accounts show a Surplus for the year of £1,274 {including Bank Interest), and tatal tunds remain healthy at £56.602 as at 31 st March, 2025 and with no liabilities. OSCR
Stirling and Union Bridge Club ststement ol Risk and Reserve Policy Th8 Boafty considers that SUBC is not exposed to any rnajor risk. The Board will continue to r8view risks and 8stab118h procedures and polbcies to mltigate those that are identffied as slgnificant. The Board aims to have Ca3h which will cover at least 3 months expenditure. The club exceeded this aim throughout the accounting per50d 1 st April 2024 to 31 st March 2025. ststement of the Board8 Respon8ibilitie8 The Board will prepare accounts for each monlh which will show the receipts and paymonts for that month. In preparing th8 accounts th8 Board is required to . Select suitab16 accounting policies and apply them consistently Make judgements and 8Stimates that are reasonable and prudent State wh8th8r applicab18 accountlng standards and statam8nts of accounting practlC8 have been followed. The Board meets onc8 a month to consider and review the monthly accounts and any othor matters appertaining to the club. Mlnute3 are taken and retain8d. The Board is responsible for k8eping proper accourrting records which disclose at any time wrth reasonable accuracy the financial position of the charily and enable Ihem to ensure that the accounts comply with the Charrties Accounts (Scotland) Regulations 2006 (as am8nd8d) Th8y are responsib18 for th8 safeguarding of th8 ass8ts of the charity and hence lor taking responsible st8ps for the preventlon and detection of fraud and other irregularities. Tnmtee Exp•n3•3 - Trust8es are unpaid and only receive reimbursemenl for expenses Incurro(J by them on behalf of the Club. The Board hav8 reappoinled held on 25th June 2024. - s Independent Examiner of SUBC at the 8y Order ol the Boarcl Date.. 3).07.t OSCR
Stirllng and Union Brldge Club Independent Examiners Report to the Board of Stlrling and Union Bridge Club on the accounts of the charlty for th8 period ended 31 st March 2025 Re8ctIve R88ponslblllde8 01 tho Board and Examln The Charity's Board is spOnSible for the pr8paration ol the accounts in accordane8 wlth the 18rms of the Charities and Trustee Investment Iscolland) Act 2tK)5 and the Charities Accounts (Scotland) Regulations 2008. The Charity trust88s conslder that the audrt requirements of Regulations10 {1 > (d) of the Accounts Regulations does not apply. h is my r8sponslbillty to examln8 th8 accounts as required under s8Ction 44(1) of the Act and to stat8 whether particular mattérs have com8 to my attention. Basls of Independent Exarnlner Statement My 8xamination is carried out in accordance with Régulations 11 of the Charltie3 Accounts (Scotlandl Flegulations 20C6 (as amended), An examlnation Includes a r8view of the accounting r8cords kept by the charity and a comparison of th8 accounts presented wrth those records. li also includes consideratlon of any unusual items or disc108ur08 in the accounts and seeks explanations from the trust88s concemlng any such matters. The procedur88 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 accounts. Independent Examinor's Ststement In the course of my examinatlon, no matter has come to my attention. 1. which giv8s me reasonable cause to believe that in any mat8rial respect Ihe requirefnents.. to k88p accounting records in accordance with section 44 (1) (a) of the 2005 Act and Regulation 4 of the 2006 Accounting Flegulations and to prepare accounts which accord with the accounting records and comply with Regulatlon 9 of the 2006 Accounts Regulallons. have not been met or 2. to which In my opinlon, attenlion should be drawn in order to enable a proper reached. Dale, OSCR
Stirling and Union Bridge Club R8ceipts and Payments Account for th8 period from 1 st April 2024 to 31 st March 2025. Year 23124 £ Year 24123 £ INCOME Net Tablo Money Club 16,608.52 £18.586.04 Anwal Subg -SU8C 1,720.00 £1.560. SBU Levy Collected 1,616.00 £1.524.oa TOTAL 19,944.62 MISC INCOME Donations to the Club 2580.94 £81.80 SBU re 880 413.51 £0.00 SBU for In3urance/Storage 1.858 00 £960.00 TOTAL MISC INCOME 4.825.45 £1,041.80 TOTAL INCOME 24.796.97 £21710.84 EXPENDITURE Cle8ner 2.123.80 £2.476.80 EleGtricily 1,979.14 £1.899.20 2,89022 £2,675.11 m8intenCe of Prop8ty 2,363.37 £6.870.32 In8urance8 1.491.95 t1.874.90 TOTAL PROPERTY COSTS 10.848.48 £15,796.33 SBU L•vi8S 1,596.00 £1,524.00 DonatirM)B 2,951.00 £1.084.30 Master Poinls 440.00 £440.00 Bridge &JF)plies 524.64 £1,703.60 OSCR
Stirling and Union Bridge Club 1,839.47 ITllntwn8t arxj Teltyh £631 .94 Admin Exwwes 80.45 £53.19 Annual Oirn8rTra1188 416.03 £486.86 Cards FloweAs 0.00 £119.00 Kilchen Supplies rJo.79 Catering 194.93 Tropt¥wJAnnual Prizes e440.00 Misc C08ts 118.90 C62.00 TOTAL AUNNING eosrs 8m74 £4575.68 TOTAL COSTS 19.347.22 £22.372.01 NET SUAPLUSI{DEFicin 5,449.75 £338 OPENING BANK BALANCE 49,87& 8URPLUSIIDEFicrr) FOR YEAR W9.75 BANK INTEREST DEPOSIT ACCOUNT £935.10 CLOSING BALANCE REPRESEKfED BY BANK OF $432&44 TOTAL CLUB FUNDS 55.¥28.44 £56,602.37 These accounts . on tts behalf b5 . Ad by the Board at its maéting on 24th May 2025 and signed Chair OSCR
Stirling and Union Bridge Club 2tr24125 £w.000 FIMtures. Frttill95 aThJ Eoui tl5.928 £15,928 T¢)tsl Flx•d £915.V28 £915 .328 EM,602 Cuffent £971356 £972th) Fund• Gww•l Fund 1¥71,256 ¢972.530 Tot•1 Fund* £971256 £972J30 Note 1 - The propety value is based on a valuation undertaken by the surv8yors D M Hall on the 11th July 2024 and represents the valu8 of the property for reinstatement Purposes. Note 2 - The fixtures and fittings and equipment We valued by club members bas on estimated value on condition and age of the asset. OSCR
Appendix I OSCR Stlrllng and Unlon Brldge Club Board of Trustees- Induction plan Location: Prepared by: Date: 24A r.nlfjtiboiin Street, StirlirKJ, FK7 7PX 'U8C Secretary June 2025 1. Purpose of the Inductlon Plan To ensure new trustees.. Understand their legal duties and responsibilities. Ale familiar wrth the club's mission, strategy. operations, and finances. Feel welcomed and engaged In the work of the board and organisation. 2. Inductlon Timellne Tlmlng Activity Week 1 Attend Ihe firsl board meeting following AGM Welcome pack issued and introdudory meeting scheduled Month 1 Meet the Chair and Secretary One-to-one with Treasurer Introduction to shared documents and resources Month 2 Meetsngs l one-to-ones with any other board member Meetings l one-tO-on8S Wrth any other board m8mb8r Optional training (e.g. OSCR webinars) GDPR Month 3 On-goi Training as required 3. Welcome Pack Contents Digitsl versions of the following: Club constrtution Latest annual report and accounts Minutes Irom the last three board meetsngs Last r8wslon Uare." 4 June ao25
Action list Trustee role description 8nd code of conduct? List of trustees and key staff, wrth contact details Annual club calendar of activitles, meetings and events Conflict of interest policy and declaration fonn OSCR guidance for charity trustees 4. Core Induction Topics A. Understanding the club Mission, vision, and values Key beneficiaries and impact cUrt projects and priorities Board structure and volunteers Overview of funding sources B. Governance and Legal Re8pon8ibilitie8 Duties under the Charrties and Trustee Investment (Scotland) Act 2005 Role of OSCR (offi of the Scottish Charity Regulator) Risk management and safeguarding responsibilities Data protection and confidentiality C. Flnanclal Overvlow Reading charity accounts and budgets Financial controls and procedures Overview of reslricted vs unrestricted funds Fundraising strategy and challenges D. Board Operatlon8 Meeting schedule, quorum, decision-making Role of the Chair and subcommittees (if any) Communications protocol (emails. agenda setting, etc ) Expectations around attendance and participation 5. Suggested Training Resources OSCR'S 'Guidance and Good Practlce for Charity Trustse8' SCVO'8 Truste• Training & Governance Support Foundation Scotland trustse webinars Local Third Sector Interface {TSI) - bespoke support and neOrkIng L85t rewsffjn dats.. 4Jun8 2025
- Board cultu & Ongoing Support Assign a trustee buddylmentor rf required Regular check-ins with Chair or Secretary to address COnrn5 Opportunities to shape strategy. contribute specific skills
- Evaluatlon & Feedback Conduct a three-month review to gather feedback on induction Adiust future plans based on trustee experiences Optional board effectiveness self-assessment annually L8si ievlsion d8te. 4June 2Q5