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2026-04-30-accounts

~ CHARITY REGISTRATION NUMBER: SCOS1168

Scenic Sandbank

Company Limited by Guarantee Unaudited Financial Statements 30 April 2025

;

Scenic Sandbank

Company Limited by Guarantee

Financial Statements

Year ended 30 April 2025

Page
Trustees’ annual report (incorporating the director's report) 1
Independent examiner's report to the trustees 4
Statement offinancial activities (including income and
expenditure account) §
Statement offinancial position 6
Notestothefinancialstatements 7

Scenic Sandbank

Company Limited by Guarantee

Trustees’ Annual Report (Incorporating the Director's Report)

Year ended 30 April 2025

ieee The trustees, who are also the directors for the purposes of company law, present their report and the unaudited financial statements of the charity for the year ended 30 April 2025.

Reference and administrative details

Registered charity name Scenic Sandbank Charity registration number SC051168 Company registration number SC694974 Principal office and registered Broxwood Cottage office Sandbank Argyll Scotland PA23 8PD

The trustees

Rhona Altin (Resigned 1 April 2025) James Evans Bruce MacLean lain James MacNaughton Susan Anne McKillop Dr Thomas McKillop Bryan John Pearce Nathan Gault (Appointed 1 November 2025) Fiona Gault (Appointed 1 April 2025)

Company secretary Susan Anne McKillop

Structure, governance and management

Scenic Sandbank is a company limited by guarantee.

1

a

;

Scenic Sandbank

Company Limited by Guarantee Trustees’ Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 April 2025 eeeg sneemneconetns peeeeninecenrrncniec

Objectives and activities

DEFINITION OF COMMUNITY AND PURPOSES

The Company has been formed to benefit the Community of Sandbank and the surrounding landward area- as defined by the Sandbank Community Council boundaries (the Operating Area) ("the Community’), with the Purposes listed in the sub-articles hereto (“the Purposes"), to be exercised following the principles of sustainable development (where sustainable development means development which meets the needs of the present without compromising the ability of future generations to meet their own needs.

PURPOSES

The company's main purpose is consistent with furthering the achievement of sustainable development. The company's purposes are:

To provide or advance the accessibility of recreational, facilities, and/or organising recreational activities, which will be available to members of the Community and public at large with the object of improving the conditions of life of the Community.

Advancement of citizenship or Community development, including rural or urban regeneration.

To advance the provisions for educational opportunities in the Community relating to environment, culture, heritage and/or history.

To advance environmental protection or improvement including preservation, sustainable development and conservation of the natural environment, the maintenance, improvement or provision of environmental amenities for the Community and/or the preservation of buildings or sites of architectural, historic or other importance to the Community

Achievements and performance

The past year has seen us move forward with the community garden project as we have been successful in securing funding for building raised beds and poly tunnels and we also have a storage container for gardening equipment and a portacabin we use as a meeting space with adjacent disable friendly portaloo attached.

We continue to look after the planters and gardens around the village and manage Broxwood Picnic area for use by residents and visitors to the area.

Financial review

At the 30 April 2025 Scenic Sandbank had unrestricted reserves of £39,004, and restricted reserves of £93,987.

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Scenic Sandbank

Company Limited by Guarantee

Trustees’ Annual Report (Incorporating the Director's Report) (continueg) Year ended 30 April 2025

Small company provisions

This report has been prepared in accordance with the provisions applicable to companies entitled to the small companies exemption.

The trustees' annual report was approved on 28 January 2026 and signed on behalf of the board of trustees by:

lain James MacNaughton Trustee

ee

3

Scenic Sandbank

aee | report on the accounts of the charity for the year ended 30 April 2025 which are set out on pages 1 to 17.

Company Limited by Guarantee

Independent Examiner's Report to the Trustees of Scenic Sandbank

Year ended 30 April 2025

Respective responsibilities of trustees and examiner

The charity's trustees (who are also the directors of the company for the purposes of company law) 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 trustees consider that the audit requirement of Regulation 10(1) (a) to (c) of the 2006 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 independent examiner's statement

My examination is carried out in accordance with Regulation 11 of the 2006 Accounts Regulations. 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 seeks 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 accounts.

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:

  2. e to keep accounting records in accordance with Section 44(1) (a) of the 2005 Act and Regulation 4 of the 2006 Accounts Regulations

  3. e to prepare accounts which accord with the accounting records and comply with Regulation 8 of the 2006 Accounts Regulations

have not been met, or

  1. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

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Ors un 6 Rory
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Mr JR B Ross B.A. C.A.

Chartered Accountant

80 Argyll Street Dunoon

PA23 7NE

28 January 2026

4

Scenic Sandbank

Company Limited by Guarantee Statement of Financial Activities (including income and expenditure account)

Year ended 30 April 2025

2025 2024
Note Unrestricted
funds
=
Restricted
funds
£
Totalfunds
£
Totalfunds
ra
Income and endowments
Donations and legacies 5 33,278 8,419 41,697 108,942
Other trading activities 6 2,759 - 2,759 2,870
Other income 7 36 - 36 -
Total income 36,073 8,419 44,492 111,812
Expenditure
Expenditure on raising funds:
Costs ofothertrading activities 8 291 - 291 716
Expenditure on charitable activities 9,10 7,990 11,242 19,232 5,294
Total expenditure 8,281 11,242 19,523 6,010
Netincome 27,792 (2,823) 24,969 105,802
Transfers between funds 5,000 (5,000) _ ~
Netmovement infunds 32,792 (7,823) 24,969 105,802
Reconciliation offunds
Total funds broughtforward 6,212 101,810 108,022 2,220
Totalfundscarriedforward 39,004 93,987 132,991 108,022

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

The notes on pages 7 to 17 form part of these financial statements.

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Scenic Sandbank

Company Limited by Guarantee

Statement of Financial Position

30 April 2025

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||||||||| |---|---|---|---|---|---|---|---| |2025|2024| |Note|£|£| |Fixed|assets| |Tangible|fixed|assets|16|120,523|94,121| |Current assets| |Cash|at|bank|and|in|hand|16,718|20,050| |Creditors:|amounts|falling|due within|one year|17|4,250|6,149| |Net current assets|12,468|13,901| |Total|assets|less|current|liabilities|132,991|108,022| |Net assets|132,991|108,022| |Funds|of the|charity| |Restricted|funds|93,987|101,810| |Unrestricted|funds|39,004|6,212| |Total|charity funds|18|132,991|108,022|

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For the year ending 30 April 2025 the charity was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Directors’ responsibilities:

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies’ regime.

These financial statements were approved by the board of trustees and authorised for issue on 28 January 2026, and are signed on behalf of the board by:

lain James MacNaughton Trustee

The notes on pages 7 to 17 form part of these financial statements.

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Scenic Sandbank Company Limited by Guarantee Notes to the Financial Statements Year ended 30 April 2025

1. General information

The charity is a public benefit entity and a private company limited by guarantee, registered in Scotland and a registered charity in Scotland. The address of the registered office is Broxwood Cottage, Sandbank, Argyll, Scotland, PA23 8PD.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, ‘The Financial Reporting Standard applicable in the UK and the Republic of Ireland’, the 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) (Charities SORP (FRS 102)) and the Companies Act 2006.

  1. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. Significant judgements The judgements (apart from those involving estimations) that management has made in the process of applying the entity's accounting policies and that have the most significant effect on the amounts recognised in the financial statements are as follows:

There are no significant judgements that management have made in the process of applying the entity's accounting policies.

Key sources of estimation uncertainty

Accounting estimates and assumptions are made concerning the future and, by their nature, will rarely equal the related actual outcome. The key assumptions and other sources of estimation uncertainty that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year are as follows:

There are no key assumptions and other sources of estimation uncertainty that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year.

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Scenic Sandbank

Company Limited by Guarantee

Notes to the Financial Statements (continueg)

Year ended 30 April 2025

  1. Accounting policies (continued)

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

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. Company Limited by Guarantee

Scenic Sandbank

Notes to the Financial Statements (continuea)

Year ended 30 April 2025

  1. Accounting policies (continued)

Resources expended

Expenditure is recognised on an accruals basis asa liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Site Toilet and Office - 10% straight line Equipment - 10% straight line

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

9

, Scenic Sandbank Company Limited by Guarantee Notes to the Financial Statements (continueg)

Year ended 30 April 2025

3. Accounting policies (continued)

Impairment of fixed assets (continued)

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets. For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Where investments in shares are publicly traded or their fair value can otherwise be measured reliably, the investment is subsequently measured at fair value with changes in fair value recognised in income and expenditure. All other such investments are subsequently measured at cost less impairment.

Other financial instruments, including derivatives, are initially recognised at fair value, unless payment for an asset is deferred beyond normal business terms or financed at a rate of interest that is not a market rate, in which case the asset is measured at the present value of the future payments discounted at a market rate of interest for a similar debt instrument.

Other financial instruments are subsequently measured at fair value, with any changes recognised in the statement of financial activities, with the exception of hedging instruments in a designated hedging relationship. Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

For all equity instruments regardless of significance, and other financial assets that are individually significant, these are assessed individually for impairment. Other financial assets are either assessed individually or grouped on the basis of similar credit risk characteristics.

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. Scenic Sandbank Company Limited by Guarantee Notes to the Financial Statements (continueg) Year ended 30 April 2025

3. Accounting policies (continued)

Financial instruments (continued)

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

4. Limited by guarantee

Scenic Sandbank is

a company limited by guarantee and has no share capital.

  1. Donations and legacies
Unrestricted Restricted Total Funds
Funds Funds 2025
2 ra £
Donations
Donations- General 271 - 271
Donations - Amazon = - -
Donations - Christmas Trees ~ = -
Donations - Wreath Sandbank Primary - - _
Donation - Robert's Bench = 295 295
Grants
Grant - Scottish Land Fund (Purchase ofGarden) - - ~
Grant - Scottish Land Fund (Garden Clearance) = - -
Grant - Scottish Land Fund (for Salaries) = 8,124 8,124
Grant - Argyll & Bute Council 16,890 - 16,890
Argyll & Bute Council -towards Site Clearance = - -
Argyll & Bute Council -CMHWB 6,770 - 6,770
Scottish Land Fund 9,347 ~ 9,347
33,278 8,419 41,697
Unrestricted Restricted Total Funds
Funds Funds 2024
E £ £
Donations
Donations- General = = =
Donations -Amazon 19 ~ 19
Donations - Christmas Trees 92 - 92
Donations - Wreath Sandbank Primary 36 ~ 36
Donation-Robert'sBench - 1,479 1,479

11

. Scenic Sandbank Company Limited by Guarantee

Notes to the Financial Statements (continueg)

Year ended 30 April 2025

5. Donations and legacies (continued)

Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £:
Grants
Grant - Scottish Land Fund (Purchase ofGarden) Garden) = 89,292 89,292
Grant - Scottish Land Fund (Garden Clearance) - 5,000 5,000
Grant - Scottish Land Fund (for Salaries) - 8,124 8,124
Grant - Argyll & Bute Council 2,500 - 2,500
Argyll & Bute Council -towards Site Clearance 2,400 - 2,400
Argyll & Bute Council -CMHWB - - -
Scottish Land Fund - _ _
5,047 103,895 108,942
6. Other trading activities
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ 2
Income - Gala 1,791 1,791 1,362 1,362
Income - Christmas Fayre 703 703 611 611
Income - Spring Fayre - - 105 105
Income - BBQ - - 238 238
Sale ofCalendars 81 81 488 488
Sale of School Plants ~ 66 66
Income -CarBootSale 184 184 - -
2,759 2,759 2,870 2,870
7. Other income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ FF
Otherincome 36 36 _ _
8. Costs ofothertrading activities
Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ a
FundraisingCosts 291 291 716 716

6. Other trading activities

7. Other income

12

; Scenic Sandbank Company Limited by Guarantee

Notes to the Financial Statements (continuea

Year ended 30 April 2025

9. Expenditure on charitable activities by fund type

Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Unrestricted Funds 6,800 - 6,800
Grant Funded Activity ~ - -
Robert's Bench - 720 720
Scottish Land Fund - For Salaries ~ 10,522 10,523
Support costs 1,190 - 1,189
7,990 11,242 19,232
Unrestricted Restricted Total Funds
Funds Funds 2024
7 £ £
Unrestricted Funds 545 _ 545
Grant Funded Activity - 1,334 1,334
Robert's Bench _ 1,035 1,035
Scottish Land Fund - For Salaries - 1,050 1,050
Support costs 1,330 - 1,330
1,875 3,419 5,294
Expenditure on charitable activities by activity type
Activities
undertaken Totalfunds Total fund
directly Support costs 2025 2024
£ £ £ £
Unrestricted Funds 6,800 381 7,181 833
Grant Funded Activity - - - 1,334
Robert's Bench 720 - 720 1,035
Scottish Land Fund - For Salaries 10,523 ~ 10,523 1,050
Governance costs = 808 808 1,042
18,043 1,189 19,232 5,294
Analysis ofsupportcosts
Unrestricted
Funds Total 2025 Total 2024
£ £ £
General office 30 30 22
Governance costs 808 808 1,042
Subscriptions _ = 156
Advertising Costs = ~ 15
SundryExpenses
Telephone
304
47
304
47
35
_
1,189 1,189 1,330

10. Expenditure on charitable activities by activity type

11. Analysis of support costs

13

; Company Limited by Guarantee

Scenic Sandbank

Notes to the Financial Statements (continued)

Year ended 30 April 2025

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||||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---|---| |12.|Net|income| |Net income|is stated|after charging/(crediting):|2025|2024| |2|£| |Depreciation|of tangible fixed assets|2,035|-| |13.|Independent examination|fees| |2025|2024| |£|2| |Fees|payable|to the independent examiner for:| |Independent examination|of the financial|statements|808|1,020| |14.|Staff|costs| |The|total|staff costs and|employee|benefits for the|reporting|period|are|analysed|as follows:| |2025|2024| |£|es| |Wages and|salaries|10,523|1,050| |The|average|head|count of employees|during|the|year was|1|(2024:|1).|The|average|number|of| |full-time equivalent employees during the year is analysed|as follows:|2025|2024| |No.|No.| |Number of staff|i ||1|

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No employee received employee benefits of more than £60,000 during the year (2024: Nil).

15. Trustee remuneration and expenses

No trustees received remuneration from the charity in the year.

I

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; Scenic Sandbank Company Limited by Guarantee Notes to the Financial Statements (continueg)

Year ended 30 April 2025

16. Tangible fixed assets

Costof Site Toilet
Garden and Office + Equipment Total
£ £ £ £
Cost
At 1 May2024
Additions
94,121
8,085
-
10,589
-
9,763
94,121
28,437
At30 April 2025 102,206 10,589 9,763 122,558
Depreciation
At 1 May2024 ~_ - - -
Charge forthe year _ 1,058 977 2,035
At30 April 2025 ~ 1,058 977 2,035
Carrying amount
At30 April 2025 102,206 9,531 8,786 120,523
At30 April2024 94,121 ~ - 94,121
Creditors: amounts falling due within one year
2025 2024
£ ra
Bank loans and overdrafts 3,500 4,499
Accruals and deferred income 750 1,650
4,250 6,149
Analysis of charitable funds
Unrestricted funds
At At
1 May 2024 Income Expenditure Transfers30 April 2025
£ z £ £ £
General funds 6,212 36,073 (8,281) 5,000 39,004
At At
1 May2023 2023 Income Expenditure Transfers 30 April 2024
General funds =
886
£
7,917
£
(2,591)
re
-
a
6,212

17. Creditors: amounts falling due within one year

18. Analysis of charitable funds

15

. Scenic Sandbank Company Limited by Guarantee

Notes to the Financial Statements (continue)

Year ended 30 April 2025

18. Analysis of charitable funds (continued)

Restricted funds
At At
1 May2024 Income Expenditure Transfers30 April 2025
£ £ £ £ £
Grant Funded Activity - (1) 4 = =
Scottish Land Fund -
Purchase ofGarden 89,292 ~ - ~ 89,292
Scottish Land Fund -
Garden Clearance 5,000 ~ - (5,000) -
Scottish Land Fund - For
Salaries 7,074 8,124 (10,523) - 4,675
Robert's Bench 444 296 (720) _ 20
101,810 8,419 (11,242) (5,000) 93,987
At At
1 May2023 Income Expenditure Transfers 30 April 2024
£ £ e £ £
Grant Funded Activity 1,334 - (1,334) _ _
Scottish Land Fund -
Purchase ofGarden - 89,292 ~ 89,292
Scottish Land Fund -
Garden Clearance - 5,000 = 5,000
Scottish Land Fund - For
Salaries - 8,124 (1,050) - 7,074
Robert's Bench ~ 1,479 (1,035) - 444
1,334 103,895 (3,419) a 101,810

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Scenic Sandbank Company Limited by Guarantee

Notes to the Financial Statements (continueq

Year ended 30 April 2025

19. Analysis of net assets between funds

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||||||||| |---|---|---|---|---|---|---|---| |Unrestricted|Restricted|Total|Funds| |Funds|Funds|2025| |£|a|£| |Tangible|fixed|assets|31,231|89,292|120,523| |Current|assets|12,023|4,695|16,718| |Creditors|less|than|1|year|(4,250)|-|(4,250)| |Net assets|39,004|93,987|132,991| |Unrestricted|Restricted|Total|Funds| |Funds|Funds|2024| |£|£|e| |Tangible|fixed|assets|4,829|89,292|94,121| |Current|assets|7,532|12,518|20,050| |Creditors|less|than|1|year|(6,149)|_|(6,149)| |Net assets|6,212|101,810|108,022|

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20. Related parties

Scenic Sandbank received an interest free loan of £4,500 in the year from JHDC Tech Ltd. Mr Thomas McKillop is a Trustee of Scenic Sandbank and is also the sole director of JHDC Tech Ltd.

The Borrower (Scenic Sandbank) shall use its reasonable endeavours, by virtue of crowd funding in the local community, to raise the funds required to repay all outstanding Loan sums due to the Lender (JHDC Tech Ltd), by no later than the Final Repayment Date (2nd February 2026).

The Lender acknowledges that as the Borrower is to use crowd funding to facilitate repayment of the Loan, then any repayments made by the Borrower shall be made as and when funds are available and that there shall be no fixed repayment schedule.

The Lender acknowledges that should any outstanding sums of the Loan not be repaid by the Final Repayment Date, then all outstanding sums due to the Lender by the Borrower at that time, shall be written off and no further sums shall be due by the Borrower to the Lender after the Final Repayment Date.

If the Property is sold by the Borrower on or before the Final Repayment Date, the Borrower must repay in full all outstanding sums due on the Loan to the Borrower from the sale proceeds no later than one month after the date of completion of the sale.

The loan balance outstanding at 30 April 2025 is £3,500 (2024:£4,500).

17