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2025-05-31-accounts

Charity Registration No. ST04476 Company Registration No. SC048053 (Scotland)

THE CARMAN FAMILY FOUNDATION UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MAY 2025

THE A9 PARTNERSHIP LIMITED Chartered Accountants 57/59 High Street Dunblane FK15 OEE

THE CARMAN FAMILY FOUNDATION

LEGAL AND ADMINISTRATIVE INFORMATION

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Country of incorporation

United Kingdom $C048053 (Scotland) Scotland ST04476

Charity registration Scotland

Registered office Ault Wharrie Ardnablane Dunblane Perthshire FK15 ONU Independentexaminer —

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THE CARMAN FAMILY FOUNDATION

CONTENTS

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|||||||| |---|---|---|---|---|---|---| |a| |Page| |Trustees’|report|1-2| |Independent|examiner's|report|3| |Statement|of financial|activities|4| |Balance|sheet|5| |Notes|to|the|financial|statements|6-13| |The following|pages do|not form|part of the|statutory|financial|statements| |Detailed|statement|of financial|activities|15-16|

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IN

THE CARMAN FAMILY FOUNDATION TRUSTEES’ REPORT (INCLUDING DIRECTORS' REPORT) FOR THE YEAR ENDED 31 MAY 2025 I

The trustees present their annual report and financial statements for the year ended 31 May 2025.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the charity's governing document, the Companies Act 2006 the Charities and Trustee Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006, FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Charities SORP "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 principal objectives of the SCIO, are to benefit the natural environment, including actions that benefit humans, by promoting: 4. Community development (including rural or urban regeneration); 2. Environmental protection or improvement; 3. The relief of those in need by reason of age, ill-health, disability, financial hardship or other disadvantage. With a view to achieving these objectives, the aim of the SCIO is to concentrate its efforts on: - advancing environmental protection including preservation, sustainable development, native habitat restoration and conservation of the natural environment (across fauna, flora and biota) including in particular woodlands, reforestation and related matters; and - assisting in community development where this might lead to new employment or skills acquisition or use of products that are beneficial to the environment - in unusual circumstances, to assist in community based projects that only aid humans (such as dementia care)

Grant Making

Beyond expenditure of ongoing projects and plans at Holmehill which will be considered by the trustees as the project develops, the trustees regularly consider appropriate applications for funding. the trustees can make payments from income or capital for the benefit of charitable purposes as detailed above with a view to supporting in particular the charity's future projects.

Achievements and performance

Significant activities and achievements against objectives The charity has, and will, focus directly on ecological restoration initiatives that help to educate people in learning the benefits of ecological restoration. This may involve granting organisations such as RSPB, Woodland Trust, Wildlife Trusts or land community buyouts with money to make land purchase for this purpose or funding the development of interactive websites (through Re-wilding Britain) for helping landowners to make informed choices about re-wilding. Monies are also allocated to films such as Riverwoods (about riverine woodland regeneration) and to Northwoods (involving farmers in re-wilding initiatives), both through "Scotland, the Big Picture". We have also loaned money to a Wildlife Trust to buy land, which will be repaid with interest. The charity has decided to make suitable investments into companies (Woodland Savers and Nattergal) that achieve our philanthropic aims (to enhance rewilding and community woodland purchases) that may or may not make a return on investment but which are well run companies that share our aims. This last is a new approach to funding ecological regeneration.

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THE CARMAN FAMILY FOUNDATION

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED) FOR THE YEAR ENDED 31 MAY 2025

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Financial review Financial position As at 31 May 2025 the total reserves of the SCIO were £2,124,445 (2024 - £2,319,772). The overall net expenditure for the year amounted to £195,327 (2024 - £206,362).

Investment policy and objectives The charity has put in place arrangements to engage the services of an investment adviser. In putting in place these arrangements, the trustees are also confirming with the investment adviser an appropriate investment policy for the management of SCIO's investments.

Reserves policy It is the policy of the SCIO to maintain unrestricted funds at a level of sufficient to cover administration costs and grant making anticipated for the forthcoming twelve months.

Going concern After making appropriate enquiries, the trustees have a reasonable expectation that the SCIO has adequate resources to continue in operational existence for the foreseeable future. For this reason they have adopted the going concern basis in preparing the financial statements.

Future plans By continuing to award funding to charities, the SCI provides a long-term commitment to meeting its objectives.

Structure, governance and management

Governing document The charity is incorporated as a Scottish Charitable Incorporated Organisation. It is governed by its constitution. The charity was granted charitable status by OSCR on 11 January 201 8.

Trustees meetings and appointments The trustees have assessed the risks to which the SCIO is exposed, in particular those related to the operations and finances of the SCIO, and are satisfied that systems are in place to mitigate exposure to major risks. The trustees consider variability of investment returns as one of the major risks, and therefore the foundation will use the services of Stonehage Fleming as investment advisers. The trustees also recognise the risks that attach to holding land which is accessible to the public.

The trustees, who are also the directors for the purpose of company law, and who served during the year and up to the date of signature of the financial statements were: a (Resigned 1 June 2024)

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THE CARMAN FAMILY FOUNDATION

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF THE CARMAN FAMILY FOUNDATION nnSs TT

| report on the financial statements of the charity for the year ended 31 May 2025, which are set out on pages 4 to 13.

Respective responsibilities of trustees and examiner The charity trustees (who are also the directors of The Carman Family Foundation for the purposes of company law) are responsible for the preparation of the financial statements in accordance with the terms of the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006.The charity trustees consider that the audit requirement of Regulation 10(1)(a)-(c) of the Charities Accounts (Scotland) Regulations 2006 does not apply.

It is my responsibility to examine the financial statements as required under section 44(1)(c) of the Charities and Trustee Investment (Scotland) Act 2005 and to state whether particular matters have come to my attention.

Basis of independent examiner's statement My examination is 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 financial statements presented with those records. It also includes consideration of any unusual items or disclosures in the financial statements, and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently | do not express an audit opinion on the view given by the financial statements.

Independent examiner's statement In the course of my examination, no matter has come to my attention

  1. which gives me reasonable cause to believe that in any material respect the requirements: » to keep accounting records in accordance with Section 44(1)(a) of the Charities and Trustee Investment (Scotland) Act 2005 and Regulation 4 of the Charities Accounts (Scotland) Regulations 2006, and « to prepare financial statements which accord with the accounting records and comply with Regulation 8 of the Charities Accounts (Scotland) Regulations 2006 have not been met, or

  2. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the financial statements to be reached.

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THE CARMAN FAMILY FOUNDATION

STATEMENT OF FINANCIAL ACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED 31 MAY 2025

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|||||| |---|---|---|---|---| |ree| |Unrestricted|Unrestricted| |funds|funds| |2025|2024| |Notes|£|£| |Income|from:| |Donations and legacies|3|210,010|10,000| |Investments|4|26,087|31,565| |Total income|236,097|41,565| |Expenditure|on:| |Charitable|activities|5|390,050|361,693| |Other expenditure|10|36,424|-| |Total expenditure|426,474|361,693| |Net gains/(losses)|on investments|11|(4,950)|113,766| |Net expenditure and movement in funds|(195,327)|(206,362)| |Reconciliation|of funds:| |Fund balances at|1|June 2024|2,319,772|2,526,134| |Fund balances|at 31|May 2025|2,124,445|2,319,772|

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The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

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THE CARMAN FAMILY FOUNDATION

BALANCE SHEET

AS AT 31 MAY 2025

AS AT 31AT 3131 MAY 20252025 AS AT 31AT 3131 MAY 20252025 AS AT 31AT 3131 MAY 20252025 AS AT 31AT 3131 MAY 20252025
En
2025 2024
Notes z
£
£
£
Fixed assets
Tangible assets
Investments
12
13
4,061,740
1,460,568
1,320,332
1,473,250
2,522,308 2,793,582
Current assets
Debtors
Cash atbankand inhand
14 315,605
13,968
285,604
278,128
329,573 563,732
Creditors: amounts falling due within
oneyear
16 (727,436) (1,037,542)
Netcurrentliabilities (397,863) (473,810)
Totalassetslesscurrentliabilities 2,124,445 2,319,772
The funds ofthe charity
Unrestrictedfunds
17 2,124,445 2,319,772
2,124,445 2,319,772

The company is entitled to the exemption from the audit requirement contained in section 477 of the Companies Act 2006, for the year ended 31 May 2025.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476.

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the smai the smai smai ¢ panies regime. regime.

to the smai the smai smai ¢ panies regime. regime. The: | mentswere approved by the trustees on 25 February 2026

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MAY 2025 pe

Charity information The Carman Family Foundation is a Scottish Charitable Incorporated Organisation. The registered office is Ault Wharrie, Ardnablane, Dunblane, FK15 ONU.

1.1 Basis of preparation The financial statements have been prepared in accordance with the charity's governing document, the Companies Act 2006 the Charities and Trustee Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006, FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland” and the Charities SORP "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)". The charity is a Public Benefit Entity as defined by FRS 102.

The charity has taken advantage of the provisions in the SORP for charities not to prepare a statement of cash flows.

The financial statements are prepared in sterling, which is the functional currency of the charity. Monetary amounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention, [modified to include the revaluation of freehold properties and to include investment properties and certain financial instruments at fair value]. The principal accounting policies adopted are set out below.

1.2 At theGoing timeconcernof approving the financial statements, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.4 IncomeIncome is recognised when the charity is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Other donations are recognised once the charity has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation. Legacies are recognised on receipt or otherwise if the charity has been notified of an impending distribution, the amount is known, and receipt is expected. If the amount is not known, the legacy is treated as a contingent asset.

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MAY 2025

Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources. Central staff costs are allocated on the basis of time spent, and depreciation charges are allocated on the portion of the asset's use.

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MAY 2025

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1 Accounting policies

(Continued)

Derecognition of financial liabilities

Financial liabilities are derecognised when the charity's contractual obligations expire or are discharged or cancelled.

2 Critical accounting estimates and judgements

In the application of the charity's accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates. The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

3 Income from donations and legacies

|||Unrestricted|||Unrestricted| |---|---|---|---|---| |||funds||funds| |||2025||2024| |||£||£| |Donationsand
Grants|gifts|200,010
10,000||-
10,000| |||210,010||10,000|

4 Income from investments

Unrestricted Unrestricted
funds funds
2025 2024
£ £
Rental income
Incomefrom listed investments
Interest receivable
16,200
6,116
3,771
21,600
6,742
3,223
26,087 31,565

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MAY 2025

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5
Expenditure on charitable activities
5
Expenditure on charitable activities
5
Expenditure on charitable activities
Charitable
activities
Charitable
activities
2025 2024
£ £
Direct costs
Light& heat
Land preparation&tree maintenance
Gardening services
Donations paid
-
3,751
103,127
280,950
243
1,807
60,777
278,110
387,828 340,937
Share ofsupportand governance costs (see note 6)
Support
Governance
611
1,611
2;315
18,441
390,050 361,693
Analysis byfund
Unrestrictedfunds
390,050 361,693

GRANTS PAYABLE

2025 2024
£ £
Highland and Island EnvironmentFoundation
RSPB Scotland
25,000
-
15,000
75,000
Woodland Trust 75,000 50,000
The Big Give Trust
Scottish Chamber Orchestra
51,000
4,200
50,050
15,000
Open University donations
Scotland -The Big Picture
The GrabTrust
-
-
-
12,060
10,000
5,000
National TrustforScotland - 25,000
The Climate Coalition - 10,000
Everyday Plastic
The Poverty& EnvironmentTrust
Hope forthe Future
Environmental Network
-
-
-
-
3,000
2,000
2,000
2,000
Environmental Funders Network - 2,000
BeaverTrust 25,250 -
Inspring Scotland
Three Rivers Festival
103,000
500
-
-
280,950 278,110

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MAY 2025

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|||||||||| |---|---|---|---|---|---|---|---|---| |6Support|costs|allocated|to|activities| |2025|2024| |£|£| |Sundry|costs|611|2,315| |Governance|costs|1,611|18,441| |2,222|20,756| |Analysed|between:| |Charitable|activities|2,222|20,756| |7|Net movement|in|funds|2025|2024| |£|£| |The|net|movement|in|funds|is|stated|after|charging/(crediting):| |Fees|payable|for the|independent|examination|of the|charity's|financial| |statements|-|2,520| |Loss|on|disposal|of tangible|fixed|assets|36,424|-|

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8 Trustees

None of the trustees (or any persons connected with them) received any remuneration or benefits from the charity during the year.

There were no trustees' expenses paid in the year. One trustee is refunded for gardening costs paid personally.

9 Employees

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|||||||||| |---|---|---|---|---|---|---|---|---| |The average monthly number of employees during|the year was:|2025|2024| |Number|Number| |Total|rs|-| |There were|no|employees whose|annual|remuneration|was|more|than|£60,000.|

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10 Other expenditure

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|||||||||| |---|---|---|---|---|---|---|---|---| |Unrestricted|Unrestricted| |funds|funds| |2025|2024| |£|£| |Net|loss|on|disposal|of tangible|fixed|assets|36,424|-|

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The loss relates to the sale of a building to the related party Dunblane Square Ltd which took place in December 2024.

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MAY 2025

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11. Gains and losses on investments
Unrestricted Unrestricted
funds funds
2025 2024
Gains/(losses) arising on: £ £
Revaluation ofinvestments 26,368 72,413
Sale ofinvestments (31,318) 41,353
(4,950) 113,766
12 Tangiblefixedassets Freeholdland
and buildings
£
Cost
At 1 June2024 1,320,332
Disposals (258,592)
At 31 May2025 1,061,740
Carrying amount
At 31 May2025
4,061,740
At31May2024 1,320,332

The sale of the building occurred in December 2024. It was sold to Dunblane Square Ltd which is a related party.

13 Fixed asset investments

Listed Unlisted Total
investments investments
£ £ £
Cost orvaluation
At 1 June 2024 1,826,263 525,000 2,351,263
Additions
Valuationchanges
Disposals
950,100
(3,895)
(958,232)
-
-
-
950,100
(3,895)
(958,232)
At31 May2025 1,814,236 525,000 2,339,236
Carrying amount
At31 May2025
1,814,236 525,000 2,339,236
At31May2023 1,826,263 525,000 2,351,263

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 MAY 2025

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14 Debtors 2025 2024
Amounts falling duewithin oneyear: £ £
Trade debtors
Other debtors
1
315,604
es
285,604
315,605 285,604
15 Loans and overdrafts 2025 2024
£ £
Other loans 16,854 16,854
Payable within one year 16,854 16,854
16 Creditors: amounts falling due within one year 2025 2024
£ £
Borrowings
Othercreditors
Accruals and deferred income
16,854
633,034
77,548
16,854
957,991
62,697
727,436 1,037,542

17 _Unrestricted funds

The unrestricted funds of the charity comprise the unexpended balances of donations and grants which are not subject to specific conditions by donors and grantors as to how they may be used. These include designated funds which have been set aside out of unrestricted funds by the trustees for specific purposes.

At1June
2024
Incoming
resources
Resources
expended
Gainsand
losses
At31 May
2025
£ £ £ £ £
Generalfunds 2,319,772 236,097 (426,474) (4,950) 2,124,445
Previous year: At 1 June
2023
Incoming
resources
Resources
expended
Gainsand
losses
At31 May
2024
£ £ £ £ £
Generalfunds 2,526,134 41,565 (361,693) 113,766 2,319,772

148 Related party transactions

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THE CARMAN FAMILY FOUNDATION

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)

FOR THE YEAR ENDED 31 MAY 2025

Ii 9800 18 Related party transactions (Continued)

Mr W Carman was reimbursed for nil (2024: £60,777) of gardening expenses which he incurred on behalf of the charity.

During the year a building was sold to Dunblane Square Ltd. It was valued at £258,592 but later sold at a value of £225,530. After deduction of legal fees the Carman Family Foundation received £222,168. In total this resulted in a loss on disposal of £36,424.

During the year Contagion Ltd decided to write off £200,000 of its loan. At year end the amount outstanding was £633,034

SC-?<C G00

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THE CARMAN FAMILY FOUNDATION

MANAGEMENT INFORMATION

FOR THE YEAR ENDED 31 MAY 2025

IERTK=-.: OO

The following pages do not form part of the statutory financial statements which are the subject of the independent examiner's report.

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THE CARMAN FAMILY FOUNDATION

DETAILED STATEMENT OF FINANCIAL ACTIVITIES

FOR THE YEAR ENDED 31 MAY 2025

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|||||||| |---|---|---|---|---|---|---| |TTG&—090| |2025|2024| |£|£| |INCOMING|RESOURCES| |Donations|and|Legacies| |Donations and|gifts|200,010|-| |Other general grants|10,000|10,000| |210,010|10,000| |Other Incoming|Resources| |Rental|income on investment|property|16,200|21,600| |Dividends from|listed|FVTPL|trading|investments|6,116|6,742| |Other interest|receivable|3;771|3,223| |26,087|31,565| |TOTAL INCOMING RESOURCES|236,097|41,565| |OUTGOING|RESOURCES| |Charitable|Expenditure|-|243| |LightLand|&preparationheat|& tree maintenance|3,751|1,807| |Gardening|services|103,127|60,777| |Donations|paid|280,950|278,110| |Share of support costs|611|2,315| |Share|of governance costs|1,611|18,441| |390,050|361,693| |Other|Expenditure| |Loss on|disposal|of tangible|fixed|assets|36,424|-| |36,424|-| |TOTAL OUTGOING RESOURCES|426,474|361,693|

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THE CARMAN FAMILY FOUNDATION

DETAILED STATEMENT OF FINANCIAL ACTIVITIES

FOR THE YEAR ENDED 31 MAY 2025

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|||||| |---|---|---|---|---| |i| |2025|2024| |Net gains|/|(losses)|on|investments| |Revaluation|of investments|26,368|72,413| |Revaluation|of investments|31,318|41,353| |4,950|113,766| |NET MOVEMENT|IN|FUNDS|195,327|206,362|

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