stirling and Union Bridge Club
STIRLING AND UNION BRIDGE
CLUB (SUBC)
"A Scottish Charitable Incorporated Organlsation SC044735"
TRUSTEES, REPORT
AND
ACCOUNTS
TO 31st MARCH 2026
OSCR

Stirling and Union Bridge Club
Chaiity Information for the period ended 31 st March 2026
SC044735
Prin
ce ol Business:
35A Colquhoun Street
Stirling
FK7 7PX
tea
Trustees elected or re-elected at the AGM on the 7th July 2026
Anne Ritchie
Elaine Flobson
Sylvia Mackenzi8
Gavin Keith
Suzle Holmes
Ivan Condon
Chair
Secretary
Treasurer
There were three resignations:_
1. Jean Bidwell resigned from the Board on 04.12.25 but continues as Membership
Secretary.
2. Mary Storrar r8slgn8d on 07.07.26
3. Kathy Mccabe resign8d on 07.07.2026
Bankers:
Bank of Scotland
7-13 Port Street
Slirling
FK8 2EJ
ent Ex
Robert Gil
10 Alexander Drive
Bridge of Allan
FK9 4QB
OSCR

Stirling and Union Bridge Club
Trustees, Report for the period ended 31st Marth 2026
Formal purpose of the charity
SUBC was registered as a Scottish Charltablé Incorporated Organisation by a
constitLrtion resolution dated 13th March 2014.
The principal activity of the charity is the promotion, learning and teaching of Bridge in the
interest of social welfare, wilh the aim of improving the conditions of lrfe for the persons
using the facilities or participating in th8 activities ol The Club.
Any person may apply for membership. The Board will decide whether to adrnit any
person to membership.
The Board is elected or re-eloctod at th8 AGM aach y8ar. The Board controls the activities
of the organlsation. The members of The Board are known as the Charity Trustees and
any new Board Member is glven induction training which will enable the new Board
Member to understand and familiarise themselves with the Charities Constitution, our
decision-making processes and the aims of the charity. The 3 new Twstees have been
given induction training. Ongoing iraining is provided to Trustees as required.
SUBC is recognised a3 a Scottish Charity by the OSCR and is exempt from taxation. The
trust88s have no liability in the event of the charity being wound up. The trustees ar8
listed on Page 2. They are unpaid and only receive reimbursement for expenses incurred
by them whilst carrying oul duties lor the charity.
H•alth and Safety
The board will continue to be responsible for ensuring regular risk assessments and
procedures are carried out and foiioweci. The risk register will be updated on an annual
basis and any new regulations or actions requlring implementatlon are fed back to Board
Members and Club Members as required.
AGtivitie8
Some members still prefer to play online but the vasl majorrty play face to face at the
club. Currently we have around 156 memb8rs. Teaching by Club Members continues
throughout the year with the average class siz8 being around 8 to 9 held on Friday
afternoons and a further 5 to 6 on Tuesday evenings. Both of these teaching sessions
have been well attended and we have gained several new members through this schem8.
The teaching is led by Club Members wrth guidance provided by the Scottish Bridge
Union {SBU}
OSCR

Stirling and Union Bridge Club
CHARITY FUND RAISING EVENTS
In October over 40 m8rt)8rs and friends enjoyed an afternoon of Contract Bridge in aid
of the MND charty. Afternoon tea. sandwiches and home made cakes were served and at
the end of the day over £1,770 was raised.
In November the members played in a national competr(ion at the club. This was spread
over several sessions and raised in total over £472.IK) for the charity Children in Need.
Spread over a week in March members played Brrdge at the club and the Tab18 Money
raised was £767.00, the Club donated the monies raised to Strathcarron Hospice.
STATEMENT OF CLUB FINANCES
The accounts cover the period from 1 st April 2025 to the 31 st March 2026 and ar8
prepared on a recelpts and payments basis.
The accounts show a Surplus of Income over Expenditure for the year of £2 (including
Bank Interest), and total funds remain healthy at £58,670 as at 31 st March, 2026 and with
no liabiif(ies.
OSCR

Stirling and Union Bridge Club
Statement of Risk and Reser¥e Policy
The Board considers that SUBC is not exposed to any major risk. Tho Board will continue
to review risks and establish procedures and policies to rnrtigate thos8 that are identified
as signrficant.
The Board aims to have Cash which will cover at least 3 months expenditure. The club
exceeded this aim throughoul the accounting period 1st April 2025 to 31 st March 2026.
Statement of the Boards R•sponslbllltles
The Board will prepare accounts for each month which will show the receipts and
payments for that rnonth.
In preparing the accounts the Board is required to .
Select suitabl8 accounting policies and apply them consislently
Make judgements and estimates that are raasonable and prudent
State whether applicable accounting standards and statements of accounting practice
have been followed.
The Board me•s once a month to consider and review the monthly accounts and any
other matters appertaining to the club. MinLrt8s are taken and retained.
The Board is responslble for keeping proper accounting words which disclose at any
time with reasonable accuracy the financial position of the charity and enable them to
ensure that the accounts Gomply with tho Charities Accounts (Scotiandl Regulations 2006
(as am8nded}. They are r8sponsibl8 for the safeguarding of thè ass@ts of thé charity and
hencé for taking responsible steps for the prevention and d8tection of fraud and other
irregularities.
Trustee Expenses - Trustees are unpaid and only receive raimbursament for expenses
incurTed by them on behalf of the Club.
The Board have reappointed Robert Gil as the Independent Examiner of SUBC at the
AGM held on 7th July 2(Y26
By Order of the Board
Anne Flitchie, Chair
Date:
Aiu726
OSCR

Stirfing and Union Bridge Club
Independent Examiners Report to the Board of Stirling and Union Bridge Club on the
accounts of the charity for the period ended 31st March 2026
Respective Responsibilitles of tho Board and Examiner
The Charity's Board is 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 (Scotlandl Flegulations 2008. The Chanty trustees consider thal the audit
r8qulr8m8nts of Flegulations10 (1) Id) of the Accounts Regulations does not apply. It is my
responsibility to examine the accounts as required under section 44(1) of the Act and to
state whether particular matters have come to my attention.
Basis of Independent Examinots SLthment
My examination is Garried out in accordance wrth Regulations 11 of the Gharities
Accounts (Scotland) Regulations 2006 {as amended}. An examination Includes a review of
the accounting r8cords kept by the chartty and a comparison of the accounts presented
with those records. It also includes consideralion of any unusual items or disclosures in
the accounts and seeks explanations from the trustees concerning any such matters. The
procedures undertaken do not provide all the evidence Ihat would be r8quired in an audit
and consequently I do not expr&8s an audit opinion on the accounts.
Independent Examlnerb Statsment
In the course of my examlnatlon, no matter has como to my attentlon,
1. which gives me reasonable cause to believ8 that in any material respect the
requirements:
lo keep accounting records in accordancé wtth section 44 (11 {a) of the 2005 Act
and Regulation 4 of the 2006 Accounting Regulations and
- to prepare accounts which accord with the accounting records and comply with
Regulation 9 of the 2006 Accounts R8gulations.
have nol been met or
2. to whiGh in my opinion, attention should be drawn in order to enable a proper
understanding of the accounts to be reached.
WLJ (J
Robert Gil - Independent Auditor
Date:
OSCR

Stirling and Union Bridge Club
Fleceipts and Payments Account for the period from
1st April 2025 to 31st March 2026.
Year 24125 £
Year 25126 £
INCI)ME
Net Table Money Club
£18,585.04
£21.427.45
AnnLHI Subs-SUBC
£1.560.00
£1.600.00
SBU L8vy Collectay
£1.524.00
£1,620.00
Bank Intorest
£2,493.83
TOTAL
£27.141.28
MISC INCOME
Donattons to the Ck
£31.80
£269.08
S8U ro 880
EO.
E71.63
SBU for Inbur￿(￿st
£1.058.00
TOTAL MISC INCOME
£1Ab41AI
£1,M71
TOTAL INCOME
710A4
£24539.99
EXPENDrruRE
Cleane¥
£2.476.80
£2.728.40
Eledrfcrty
£1,899.20
£1,746.12
Q4aa
M75.11
£2274.03
Malntenance of Property
£6,870.32
£7,632.81
Ir*uran¢os
£1,874.9)
£2.174.16
TOTAL PROPEKrY cosrs
479&33
t16￿.62
S8U Levi8S
£1.524.00
£1.620.IXI
Donatlons
£1.084.30
£2,652.00
Masier Points
£440.00
¢440.00
OSCR

Stirling and Union Bridge Club
£1,703.60
Brldge &Jpplies
£895.13
ITAntwnet and Telephone
£631.94
£3.010.37
£53.19
£181.33
Annual Dinnerfftwtie8
£48&86
£478.77
Cards and FkywwB
£119.
£189.02
KtlGhen Supplie
eJO.79
£7.62
TrophioslAmnual Prizes
£440.
£422.02
Misc C4)sts
£22.44
TOTAL RUNNING cosrs
&70
TOTAL COSTS
NEf SURPLLIS/PEFicn)
SUMMAFIY
Bank Balanc• at 1¥t ApTII
£1&32&44
t1&e67.27
SurphA for th• >*ar (Ba
Closlng 8alanc• as at 31st March al BOS
Cmnt A￿.
£1408727
£1&870.14
TOTAL CLUB FUNDS
Bank of Seolland 8ovlng•
£40.9X10
Car￿>rIdge and County S8vlng8
t44¢￿.00
TOTAL CLUB FUNDS
£56.&)137
£58,670.14
These accounts were approved by the Board at its meeting on 7th July 2026 and signed
on its behalf by Anne Ritchie. Chair
OSCR

Stirling and Union Bridge Club
LANC
FittiTrJs
Tot•1 Fth•d
Cuffe
N•tCurr•nt
Total A#M
Fund•
¥74.59
Totyi Fund•
Note 1 - The property value is based on a valuation undertaken by the suNeyors D M Hall
on the 11 th July 2024 and represents the value of the property for reinstat•m8nt
purposes.
Note 2 - In 2025126 y8ar th8 fixtures and fittings and equipment were valuad by club
members based on estimated value on condition and age of the asset..
OSCR