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← King's Church (Keswick)

2025-12-31-accounts

Charity number: 1038793

KING'S CHURCH KESWICK

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

KING'S CHURCH KESWICK

CONTENTS

Page
Reference and administrative details of the Charity, its Trustees and advisers 1
Trustees' report 2 - 3
Independent examiner's report 4
Statement of financial activities 5
Balance sheet 6
Notes to the financial statements 7 - 17

KING'S CHURCH KESWICK

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS FOR THE YEAR ENDED 31 DECEMBER 2025

Trustees Mr A Wightman, Trustee Mrs C Morgan, Trustee Mr N Lockwood, Trustee

Charity registered number 1038793 Principal office 18 The Hawthorns Keswick Cumbria CA12 4LL Independent examiner Armstrong Watson LLP Carleton House 136 Gray Street Workington Cumbria CA14 2LU

Page 1

KING'S CHURCH KESWICK

TRUSTEES' REPORT FOR THE YEAR ENDED 31 DECEMBER 2025

The Church Trustees present their report and financial statements for the year ended 31 December 2025

Church objectives and activities

Kings Church is a Registered Charity operating within the terms of its Constitution (first approved by the Charity Commission in 2004) and updated and approved again in 2007. Its finance and governance are independently discharged by its Trustees and Elders. Kings Church is affiliated to the Newfrontiers Group of Churches (Christcentral) who supply guidance and support as requested.

Kings Church Keswick’s primary objective is to promote the biblical Christian Faith for the public benefit and it seeks to do this through the avenues shown below:-

Angus Wightman continues to support local primary and secondary schools, making an active input both to their assemblies and classroom activities. Angus is employed by Keswick School two days a week in the role of oneto-one support of students with SEND.

Management of the Church and its finances

The church’s financial affairs are not complex and are principally concerned with the management of its cash flow against monthly receipts and payments. It has no investments and only limited material assets. The responsibility for the management of Kings Church and its finances rests with the Elders and Trustees.

Angus Wightman continued in his role as the paid Elder and Chair of the Trustees; However, due to the severe reduction in Church income, he has reduced his working days by two per week. Angus is supported in his role by two unpaid Trustees, Nimrod Lockwood and Christine Morgan. Susan Higson serves as Secretary to the Trustees. During the year, Brenda Tsintas handed over her “Treasurer” role, to Simon Overend, who now manages and banks the church’s cash receipts pays the bills, makes Gift Aid claims and liaises with Armstrong Watson, our accountants, who manage payroll and AE pension commitments. Church finances are overseen by Christine Morgan who is chair of the remunerations committee.

Because of the nature of Kings Church’s operations, the Trustees’ policy is to retain a significantly low-risk bank balance. At the end of 2025, Kings Church had a composite bank balance of £69,795.14 in its accounts at Barclays Bank. At the end of 2024 this sum stood at £55,402.14 – a net movement in funds of £14,393.00 over the period covered by this report.

Gifts received and made by KCK to other churches and Christian Charities

The greater part of Kings Church’s income in 2025 came from the customary tithes and gifts of its members. No grants were solicited or received from any external charities.

£5,000 was received from the estate of a former church member, for the benefit of Destiny House Children’s Home (South Africa).

From a total income of £67,644 (including Gift Aid refunds) the Church gave away £15,139; equivalent to 22% of this total. (Excluding the £5k gift from an estate the figures are income £62,644, gifts £10,139 i.e. 16%.) The gifts included donations to Keswick Foodshare, Destiny House Children’s Home (South Africa),Two’s Company

Page 2

KING'S CHURCH KESWICK

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

befriending scheme, Safe Families and Revive City Church – the latter to support a sister church in Carlise purchase their own premises.

Included in the giving mentioned above, the Church made 12 consecutive monthly transfers in favour of the following two Charities: - to Newfrontiers / Christcentral - a total of £2,400 and to Dihlabeng Church School - a total of £1,200.

The Church’s Youth Activities in 2025

Our youth ministry in 2025 had a mainly internal emphasis, focusing on Sunday children’s work where it has been great to see increased numbers. Summer Club ran again in partnership with St John’s and Crosthwaite churches.

Employees and voluntary workers

Leadership of our young people’s work continued under the auspices of Andrea Wightman, Nicky Sleath and Jo Jardine working closely with Angus Wightman. They are assisted by other women from the church.

Safeguarding Policy

The Church Trustees operate a written Safeguarding Policy. Around 10 volunteer church members are, to varying extents, involved in a range of participative activities with young persons from infant to teenage years. All such helpers are subject to DBS checks via Thirtyoneight, formerly Churches Child Protection Advisory Service.

Risk Assessment

Kings Church operates its own internal safety policy and relevant procedures.

Church Ministry

The Church Elder and leaders promote the biblical Christian faith through a programmed series of events during the year. Sunday Morning Services have been held at St. Herbert’s School, Trinity Way, Keswick. There is a midweek meeting for fellowship, prayer and Bible study. In addition, several Friendship groups meet regularly for prayer, mutual support and recreational activities. Bible teaching is woven into all church programmes.

Grateful acknowledgements

We express sincere gratitude to all those local citizens and friends who have continued to give financial and other aid and encouragement to the work of Kings Church over the past year. Especially, we thank all our own Church members who so generously devote their time, money and effort to serve their Church and community.

Approved by order of the members of the board of Trustees and signed on their behalf by:

................................................Angus John Wightman (Mar 4, 2026 12:43:33 GMT)

Mr A Wightman Trustee

Date: 27 February 2026

Page 3

KING'S CHURCH KESWICK

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 DECEMBER 2025

Independent examiner's report to the Trustees of King's Church Keswick ('the Charity')

I report to the charity Trustees on my examination of the accounts of the Charity for the year ended 31 December 2025.

Responsibilities and basis of report

As the Trustees of the Charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the 2011 Act').

I report in respect of my examination of the Charity's accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

Your attention is drawn to the fact that the Charity has prepared the accounts in accordance with 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) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice issued on 1 April 2005 which is referred to in the extant regulations but has been withdrawn.

I understand that this has been done in order for the accounts to provide a true and fair view in accordance with the Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January 2015.

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Charity as required by section 130 of the 2011 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'true and fair' view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

This report is made solely to the Charity's Trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. My work has been undertaken so that I might state to the Charity's Trustees those matters I am required to state to them in an Independent examiner's report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the Charity and the Charity's Trustees as a body, for my work or for this report.

Steven Kirkbride Dated: 15/03/2026

Signed: Steven Kirkbride (Mar 15, 2026 21:20:35 GMT)

Steven Kirkbride

BFP ACA ATT MAAT

Armstrong Watson LLP, Workington

Page 4

KING'S CHURCH KESWICK

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2025

Note
Income from:
Charitable activities
3
Investments
4
Total income
Expenditure on:
Charitable activities
Total expenditure
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward		 Unrestricted
funds
2025
£
61,473
576
62,049
47,485
47,485
14,564
58,556
14,564
73,120		 Restricted
funds
2025
£
6,171
-
6,171
5,791
5,791
380
1,691
380
2,071		 Total
funds
2025
£
67,644
576
68,220
53,276
53,276
14,944
60,247
14,944
75,191		 Total
funds
2024
£
66,613
359
66,972
45,325
45,325
21,647
38,600
21,647
60,247

The Statement of financial activities includes all gains and losses recognised in the year.

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

Page 5

KING'S CHURCH KESWICK

BALANCE SHEET AS AT 31 DECEMBER 2025

Note
Fixed assets
Tangible assets
8
Current assets
Debtors
9
Cash at bank and in hand
Current liabilities
Creditors: amounts falling due within one
year
10
Net current assets
Total assets less current liabilities
Net assets excluding pension asset
Total net assets
Charity funds
Restricted funds
11
Unrestricted funds
11
Total funds		 5,998
69,796
75,794
(1,955)		 2025
£
1,352
1,352
73,839
75,191
75,191
75,191
2,071
73,120
75,191		 5,783
55,403
61,186
(1,963)		 2024
£
1,024
1,024
59,223
60,247
60,247
60,247
1,691
58,556
60,247

The financial statements were approved and authorised for issue by the Trustees and signed on their behalf by:

Nimrod Lockwood (Mar 15, 2026 19:15:32 GMT)

................................................ Mr N Lockwood Trustee

Date: 27 February 2026

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

Page 6

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

1. General information

King's Church Keswick is a registered Charity operating within the terms of its Constitution (first approved by the Charity Commission in 2004) and updated and approved again in 2007. It's finance and governance are independently discharged by its Trustees and Elders. King's Church is affiliated to the New Frontiers Group of Churches (Christ Central) who supply guidance and support as requested.

2. Accounting policies

2.1 Basis of preparation of financial statements

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - 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) (effective 1 January 2019), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

The financial statements have been prepared to give a 'true and fair' view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a 'true and fair' view. This departure has involved following the Charities SORP (FRS 102) published in October 2019 rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.

King's Church Keswick meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

2.2 Income

All income is recognised once the Charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably.

Income tax recoverable in relation to investment income is recognised at the time the investment income is receivable.

2.3 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. 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 allocated on the portion of the asset’s use.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the Charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

Page 7

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

2. Accounting policies (continued)

2.4 Taxation

The Charity is considered to pass the tests set out in Paragraph 1 Schedule 6 of the Finance Act 2010 and therefore it meets the definition of a charitable company for UK corporation tax purposes. Accordingly, the Charity is potentially exempt from taxation in respect of income or capital gains received within categories covered by Chapter 3 Part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992, to the extent that such income or gains are applied exclusively to charitable purposes.

2.5 Tangible fixed assets and depreciation

Tangible fixed assets costing £NIL or more are capitalised and recognised when future economic benefits are probable and the cost or value of the asset can be measured reliably.

Tangible fixed assets are initially recognised at cost. After recognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. All costs incurred to bring a tangible fixed asset into its intended working condition should be included in the measurement of cost.

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives, .

Depreciation is provided on the following basis:

Equipment

15% Reducing balance basis

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in the Statement of financial activities.

2.6 Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

2.7 Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

2.8 Liabilities and provisions

Liabilities are recognised when there is an obligation at the Balance sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

Provisions are measured at the best estimate of the amounts required to settle the obligation. Where the effect of the time value of money is material, the provision is based on the present value of those amounts, discounted at the pre-tax discount rate that reflects the risks specific to the liability. The unwinding of the discount is recognised in the Statement of financial activities as a finance cost.

Page 8

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

2. Accounting policies (continued)

2.9 Financial instruments

The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

2.10 Pensions

The Charity operates a defined contribution pension scheme and the pension charge represents the amounts payable by the Charity to the fund in respect of the year.

2.11 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the Charity and which have not been designated for other purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The costs of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

3. Donations and legacies

Unrestricted
funds
2025
£
Donations from individuals
8,632
Regular giving and capital donations
41,846
Gift aid reclaimed
10,995
61,473
Unrestricted
funds
2024
£
Donations from individuals
12,903
Regular giving and capital donations
41,887
Gift aid reclaimed
10,557
65,347		 Restricted
funds
2025
£
6,171
-
-
6,171
Restricted
funds
2024
£
1,266
-
-
1,266		 Total
funds
2025
£
14,803
41,846
10,995
67,644
Total
funds
2024
£
14,169
41,887
10,557
66,613

Page 9

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

4. Investment income

Unrestricted
funds
2025
£
Interest receivable
576
Unrestricted
funds
2024
£
Interest receivable
359		 Total
funds
2025
£
576
Total
funds
2024
£
359

5. Analysis of expenditure by activities

Charitable activities - Unrestricted
Charitable activities - Restricted
Total 2025		 Activities
undertaken
directly
2025
£
47,485
5,791
53,276		 Total
funds
2025
£
47,485
5,791
53,276
Charitable activities - Unrestricted
Charitable activities - Restricted		 Activities
undertaken
directly
2024
£
43,644
1,681
45,325		 Total
funds
2024
£
43,644
1,681
45,325

Page 10

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

5. Analysis of expenditure by activities (continued)

Analysis of direct costs

Unrestricted
funds
2025
£
Staff costs
29,361
Depreciation
212
Advertising
165
Accountancy
2,213
Rent
3,354
Insurance
698
Computer software & maintenace costs
703
Sundry expenses
1,331
Grants to institutions
9,358
Profit/loss on disposal
90
47,485
Unrestricted
funds
2024
£
Staff costs
28,240
Depreciation
185
Advertising
165
Accountancy
2,162
Rent
3,363
Insurance
703
Pavillion & Youth work
248
Computer software & maintenace costs
60
Sundry expenses
843
Grants to institutions
7,675
43,644		 Restricted
funds
2025
£
-
10
-
-
-
-
-
-
5,781
-
5,791
Restricted
funds
2024
£
-
15
-
-
-
-
916
-
-
750
1,681		 Total
funds
2025
£
29,361
222
165
2,213
3,354
698
703
1,331
15,139
90
53,276
Total
funds
2024
£
28,240
200
165
2,162
3,363
703
1,164
60
843
8,425
45,325

Page 11

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

6. Staff costs

2025
£
Wages and salaries
28,688
Contribution to defined contribution pension schemes
673
29,361
The average number of persons employed by the Charity during the year was as follows:
2025
No.
Average number of employees
1		 2024
£
27,599
641
28,240
2024
No.
1

No employee received remuneration amounting to more than £60,000 in either year.

7. Trustees

One of the trustees received the following remuneration or benefits from the charity during the year.

Mr A Wightman

Mr A Wightman received remuneration of £28,688 (2024 - £27,599) and reimbursed expenses of £Nil (2024 - £Nil).

Page 12

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

8. Tangible fixed assets

Cost or valuation
At 1 January 2025
Additions
Disposals
At 31 December 2025
Depreciation
At 1 January 2025
Charge for the year
On disposals
At 31 December 2025
Net book value
At 31 December 2025
At 31 December 2024
Debtors
Due within one year
Prepayments and accrued income
Tax recoverable		 Leasehold
property
£
31,042
-
-
31,042
31,042
-
-
31,042
-
-		 Equipment
£
9,477
640
(453)
9,664
8,453
222
(363)
8,312
1,352
1,024
2025
£
369
5,629
5,998		 Total
£
40,519
640
(453)
40,706
39,495
222
(363)
39,354
1,352
1,024
2024
£
527
5,256
5,783

9. Debtors

Page 13

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

10. Creditors: Amounts falling due within one year

Other taxation and social security
Pension fund loan payable
Accruals and deferred income
Statement of funds
Statement of funds - current year
Unrestricted funds
General Funds - all funds
Restricted funds
Kids Minstry
Youth activities KCK
Destiny House
Food share
Summer club
Toddlers group
Total of funds		 Balance at 1
January
2025
£
58,556
65
1,396
-
230
-
-
1,691
60,247		 Income
£
62,049
100
-
5,330
60
230
451
6,171
68,220		 2025
£
354
125
1,476
1,955
Expenditure
£
(47,485)
(10)
-
(5,250)
(243)
-
(288)
(5,791)
(53,276)		 2024
£
327
-
1,636
1,963
Balance at
31
December
2025
£
73,120
155
1,396
80
47
230
163
2,071
75,191

11. Statement of funds

Page 14

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

11. Statement of funds (continued)

Statement of funds - prior year

Unrestricted funds
General Funds
Restricted funds
Kids Ministry
Youth Activities KCK
Destiny House
Food Share
Total of funds		 Balance at
1 January
2024
£
33,884
298
4,418
-
-
4,716
38,600		 Income
£
65,706
-
616
420
230
1,266
66,972		 Expenditure
£
(43,644)
(18)
(1,663)
-
-
(1,681)
(45,325)		 Transfers
in/out
£
2,610
(215)
(1,975)
(420)
-
(2,610)
-		 Balance at
31
December
2024
£
58,556
65
1,396
-
230
1,691
60,247

12. Summary of funds Summary of funds - current year

General funds
Restricted funds		 Balance at 1
January
2025
£
58,556
1,691
60,247		 Income
£
62,049
6,171
68,220		 Expenditure
£
(47,485)
(5,791)
(53,276)		 Balance at
31
December
2025
£
73,120
2,071
75,191

Page 15

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

12. Summary of funds (continued)

Summary of funds - prior year

General funds
Restricted funds		 Balance at
1 January
2024
£
33,884
4,716
38,600		 Income
£
65,706
1,266
66,972		 Expenditure
£
(43,644)
(1,681)
(45,325)		 Transfers
in/out
£
2,610
(2,610)
-		 Balance at
31
December
2024
£
58,556
1,691
60,247

13. Analysis of net assets between funds

Analysis of net assets between funds - current year

Unrestricted
funds
2025
£
Tangible fixed assets
1,297
Current assets
73,778
Creditors due within one year
(1,955)
Total
73,120		 Restricted
funds
2025
£
55
2,016
-
2,071		 Total
funds
2025
£
1,352
75,794
(1,955)
75,191

Analysis of net assets between funds - prior year

Tangible fixed assets
Current assets
Creditors due within one year
Total		 Unrestricted
funds
2024
£
959
59,560
(1,963)
58,556		 Restricted
funds
2024
£
65
1,626
-
1,691		 Total
funds
2024
£
1,024
61,186
(1,963)
60,247

Page 16

KING'S CHURCH KESWICK

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

14. Pension commitments

The charity operates a defined contribution pension scheme for all qualifying employees. The assets of the scheme are held separately from those of the charity in an independently administered fund. The pension cost charge represents contributions payable by the charity to the fund and amounted to £673 (2024 - £641). £125 (2024 - £Nil) was payable to the fund at the balance sheet date and is included in creditors.

15. Related party transactions

The Charity has not entered into any related party transaction during the year, nor are there any outstanding balances owing between related parties and the Charity at 31 December 2025.

Page 17

Kings Church Keswick - Accounts YE 31.12.2025

Final Audit Report

2026-03-15

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