## Three Bridges Free Church
Report and Accounts Year ended 31 December 2024
1 Lamb's Passage, London EC1Y 8AB www.stewardship.org.uk
## **THREE BRIDGES FREE CHURCH**
## **LEGAL AND ADMINISTRATIVE DETAILS**
## **FOR THE YEAR ENDED 31 DECEMBER 2024**
ADDRESS FOR CORRESPONDENCE Three Bridges Road Three Bridges Crawley RH10 1LS GOVERNING DOCUMENT Trust Deed dated 17 November 1998 (amended February 1999) CHARITY REGISTRATION NUMBER 1074518 TRUSTEES RESPONSIBLE FOR Graham Bell MANAGING THE CHARITY Kwok Kin Chiu (appointed April 2024) Steven Collingham Robert Cranfield Michael Jardim (appointed April 2025) Nelson Lucero (resigned April 2025) David Parker (appointed January 2024) Mark Pash (resigned June 2025) Peter Taylor Yuri Vidal BANKERS Santander UK plc INDEPENDENT EXAMINER Jaimée Young Stewardship 1 Lamb's Passage LONDON EC1Y 8AB
## **INDEX**
Page 1 Legal and Administrative Details Pages 2-3 Trustees' Report Page 4 Independent Examiner's Report Page 5 Receipts and Payments Account Page 6 Statement of Assets & Liabilities Pages 7-8 Notes to the Accounts
Page 1
## **THREE BRIDGES FREE CHURCH**
## **REPORT OF THE TRUSTEES**
## **FOR THE YEAR ENDED 31 DECEMBER 2024**
## **Objects of the charity**
The charity, which is a church, is governed by a trust deed and is constituted as a Trust. The charity's principal object, as set out in its governing document, is to advance the Christian faith. The Trust seeks to demonstrate the Christian faith in action by acting as a church in the area of Crawley, Sussex.
## **Review of the charity's main activities and achievements**
To further the above objects and vision, the charity's main activities and achievements were as follows:
We held regular Sunday worship services during which we preached through the books of Mark, Proverbs and Revelation. We were encouraged to see 2 people baptised during one of our services in March.
We also held a series of special evangelistic events through the year including a ‘Dine Global’ meal in March, as well as an outdoor Easter Trail and Carol Service in Worth Park. Many of the Sunday services were livestreamed over the internet, and we continued to run different groups for children and teenagers during our Sunday gatherings.
Our midweek ministry involved our fortnightly Home Groups in which we did a Bible Overview course and then looked at Jude and Proverbs together. We were encouraged to start a new Home Group in Bewbush in June. Alongside this we ran a Tuesday morning Bible study group which looked at Daniel and Isaiah.
We continued to run our monthly ‘Hope Café’ on Wednesday mornings, and ran a Holiday Bible Club in the February half term which saw about 65 children attend for a full day of activities themed on the story of Jonah. Our weekly Friday morning ‘Toddler Spot’ continued to be popular and attended by many local families with pre-school children and we also ran a Friday evening Youth Group.
We also held regular men’s and women’s ministry throughout the year, and regular Christianity Explored courses for people who wanted to find out more about Christianity.
Ongoing improvements were made to the church building over the course of the year with a particular focus on building a new church office, installing new AV equipment and redesigning our store room.
During the year we reviewed our Safeguarding Policy and held quarterly members' meetings. The membership at the end of 2024 stood at 96.
In planning the activities the Trustees have applied the guidance on public benefit issued by the Charity Commission.
## **Financial review**
During the year income increased by £28,000, to £179,600, and expenditure increased by £12,400, to £173,500. As a result the cash held by the charity increased by £6,100, to £122,700, of which £111,000 is unrestricted and can be used for any charitable purpose.
## **Reserves policy**
The trustees have determined that the charity should aim to hold unrestricted cash of no less than £42,000 (approximately 3 months of unrestricted expenditure) so that the charity could continue to operate should income and / or expenditure vary adversely. At the year end, the charity held unrestricted cash of £111,000 and the charity is complying with its reserves policy. Excess funds are expected to be used on building work in 2025 and costs associated with the purchase of a second manse.
Page 2
## **Governance**
Responsibility for setting policy and for making operating decisions rest with the Trustees who meet regularly to monitor the activities of the charity. The Trustees have ultimate responsibility for the management of the trust and do so with the assistance of the Elders and Deacons on a day to day basis. New Trustees are appointed by a full meeting of the church members, in consultation with the Trustees.
## **Responsibilities of trustees**
Charity law requires us as Trustees to prepare financial statements for each accounting year which record the receipts and payments of the charity for the year.
We are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and enable us to ensure that the financial statements comply with the Charities Act 2011.
We also have a responsibility to safeguard the assets of the charity and to take reasonable steps to prevent fraud or any other irregularities.
## **Approval**
This report was approved by the trustees and signed on their behalf by:
## Graham Bell
____________________________ Graham Bell
Date: 19 September 2025
Page 3
## **INDEPENDENT EXAMINER'S REPORT**
## **TO THE TRUSTEES OF**
## **THREE BRIDGES FREE CHURCH**
I report to the trustees on my examination of the accounts of Three Bridges Free Church ('the charity') for the year ended 31 December 2024 on pages 5 to 8 following.
## **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 all the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.
## **Independent examiner’s statement**
I have completed my examination. I confirm that no material 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 accordance with section 130 of the 2011 Act; or
2. the accounts do not accord with the accounting records.
I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached.
Jaimée Young
Jaimée Young
Stewardship 1 Lamb's Passage LONDON EC1Y 8AB
Date: 23 September 2025
Page 4
## **THREE BRIDGES FREE CHURCH**
## **RECEIPTS AND PAYMENTS ACCOUNT**
## **FOR THE YEAR ENDED 31 DECEMBER 2024**
||||||Unrestricted|Funds||||
|---|---|---|---|---|---|---|---|---|---|
||||||General|Designated|Restricted|Total|Total|
||||||Funds|Funds|Funds|2024|2023|
|||||Notes|£|£|£|£|£|
|**_Income receipts_**||||||||||
|Donations and grants||||5|131,583|-|9,899|141,482|109,901|
|Gift aid receipts|||||20,077|-|53|20,130|27,326|
|Income from charitable activities|||||1,608|-|-|1,608|396|
|Use of church and car park|||||12,750|-|-|12,750|12,315|
|Interest|||||1,154|-|-|1,154|1,037|
|Other|||||2,470|-|-|2,470|580|
|**_Total receipts_**|||||169,643|-|9,952|179,595|151,555|
|**_Payments_**||||||||||
|Payments
in
relation
to
activities undertaken directly||charitable||2|130,840|-|26,772|157,612|144,871|
|Grants
paid
in
relation
to
activities undertaken by others||charitable||3|200|15,670|-|15,870|16,210|
|**_Total payments_**|||||131,040|15,670|26,772|173,482|161,081|
|Net
of
receipts
/
(payments)
transfers|||before||38,603|(15,670)|(16,820)|6,112|(9,526)|
|Transfers between funds||||5|10,745|(15,945)|5,200|-|-|
|**Net movement in funds**|||||49,348|(31,615)|(11,620)|6,112|(9,526)|
|Cash funds as at last year end|||||46,062|47,190|23,378|116,630|126,156|
|**Cash funds at this year end**||||A|95,410|15,575|11,758|122,742|116,630|
The notes on pages 7 - 8 form part of these accounts.
Page 5
## **THREE BRIDGES FREE CHURCH**
## **STATEMENT OF ASSETS AND LIABILITIES**
## **AS AT THE YEAR ENDED 31 DECEMBER 2024**
|**A**
**Cash funds**
Cash at bank with immediate access
Notice deposits
**B**
**Other monetary assets**
Gift aid due to charity
Other debtors
**C**
**Liabilities**
**Falling due within one year:**
Fee for Independent Examination
Accrued expenses
**D**
**Assets retained for charity's own use**
_Freehold Church building_
_Freehold Manse_
Contents and equipment|General
Designated
funds
funds
£
£
78,819
15,575
16,591
-
**95,410**
**15,575**
16,755
-
374
-
**17,129**
**-**
1,380
-
1,356
-
**2,736**
**-**
Unrestricted Funds|Restricted
funds
£
11,758
-
**11,758**
115
-
**115**
-
-
**-**|Total
2024
£
106,152
16,591
**122,742**
16,870
374
**17,244**
1,380
1,356
**2,736**|Total
2023
£|
|---|---|---|---|---|
|||||100,228
16,401|
|||||**116,630**|
|||||13,037
213|
|||||**13,250**|
|||||1,290
-|
|||||**1,290**|
|||||Insurance
value
2024
£|
|||||200,000|
|||||**200,000**|
_Current values have not been quoted for properties and disclosure is not mandatory._
The trustees have used insurance values for contents and equipment since they are unable to reliably estimate current values; insurance values may differ materially from current values.
The accounts were approved by the trustees and signed on their behalf
by date Graham Bell 19 September 2025 _____________________________Graham Bell _________________
The notes on pages 7 - 8 form part of these accounts.
Page 6
## **THREE BRIDGES FREE CHURCH**
## **NOTES TO THE ACCOUNTS**
## **FOR THE YEAR ENDED 31 DECEMBER 2024**
## **1 Accounting policies**
The accounts have been prepared on a receipts and payments basis and comprise a statement that shows the charity's receipts and payments, a statement that summarises the charity's assets and liabilities and related notes. The accountancy profession have determined that only accounts prepared in accordance with applicable accounting standards present a 'true and fair' view and, as these receipts and payments accounts have not (and cannot) be prepared in accordance with accounting standards, these accounts do not present (and are not intended to present) a 'true and fair' view of the charity's financial activities and state of affairs.
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. Designated funds comprise unrestricted funds that have been set aside by the trustees for particular purposes. Restricted funds are donations which are to be used in accordance with specific restrictions imposed by donors; they include donations received from appeals for specific activities or projects.
|**2**
**Payments in relation to charitable activities undertaken directly**
Employment costs
Note 4
Church, property and related costs
Note 2a
Manse costs
Note 2a
Church renovation
Office, admin and support
Ministry and outreach activities
Children, youth and holiday club
Hardship fund grants and gifts
Other expenses
**2a**
**Sinking funds expenditure (incl. property)**
Accounts, advice and Independent examination
FIEC affiliation
SGP affiliation
Insurance
Utilities
Maintenance and cleaning - Church
Maintenance and cleaning - Manse
AV installation
Equipment||Unrestrict|Designated
funds
£
-
-
-
-
-
-
-
-
-
-
Church
£
1,330
-
150
7,363
5,509
10,056
-
52,004
219
76,632
ed Funds|Restricted
Funds
£
-
-
-
22,353
-
121
-
4,298
-
26,772
Manse
£
-
-
-
507
-
-
3,545
-
-
4,052|Total
2024
£
41,104
76,632
4,052
22,353
1,690
5,352
1,983
4,298
150
157,612
Total
2024
£
1,330
-
150
7,869
5,509
10,056
3,545
52,004
219
80,683|Total
2023
£|
|---|---|---|---|---|---|---|
|||||||76,673
20,789
2,470
37,769
2,355
2,892
1,479
253
190|
|||||||144,871|
|||||||Total
2023
£|
|||||||1,385
2,250
-
6,417
3,298
7,300
2,005
-
604|
|||||||23,259|
|**3**
**Grants paid in relation to charitable activities undertaken by others**
Organisations:
European Christian Mission
Crosslinks
UFM Worldwide
Organisations < £1,000
Individuals||Unrestrict|Designated
funds
£
-
1,000
13,920
750
-
15,670
ed Funds|Restricted
Funds
£
-
-
-
-
-
-|Total
2024
£
-
1,000
13,920
750
200
15,870|Total
2023
£|
|---|---|---|---|---|---|---|
|||General
funds
£
-
-
-
-
200
200|||||
|||||||200
1,200
13,760
1,050
-|
|||||||16,210|
Page 7
## **THREE BRIDGES FREE CHURCH**
## **NOTES TO THE ACCOUNTS**
## **FOR THE YEAR ENDED 31 DECEMBER 2024**
## **Transactions with related parties**
No payments were made to trustees or persons related to them, except for reimbursement of expenses paid out on behalf of the charity.
|**5**
**Movement of funds**
General funds
Designated funds
Missionary Fund
Hardship Funds
Sinking Fund
Restricted funds
Church Library Fund
Building Fund
Hardship Fund
Mission Fund
Other Funds
Total funds|Opening
balance
£
46,062
6,681
-
40,509
93,252
214
18,818
3,884
-
462
23,378
116,630|Receipts
£
169,643
-
-
-
169,643
-
8,000
281
1,422
248
9,952
179,595|Payments
£
(131,040)
(15,670)
-
-
(146,710)
(121)
(22,353)
(3,686)
-
(612)
(26,772)
(173,482)|Transfers
£
10,745
16,013
2,010
(33,968)
(5,200)
-
5,200
-
-
-
5,200
-|Closing
balance
£|
|---|---|---|---|---|---|
||||||95,410
7,024
2,010
6,540|
||||||110,984|
||||||92
9,665
480
1,422
98|
||||||11,758|
|||||||
||||||122,742|
The designated Missionary Fund relates to funds set aside from giving to support missionaries in various countries including France, Uganda and the UK through organisations such as UFM, ECM and Sussex Gospel Partnership.
The Sinking Fund is used for capital and one off yearly projects along with supporting the increased expense of a second full time pastor. The restricted Church Library Fund relates to funds donated for the purchase of books for the church library. Due to the size of the original gift it has taken some time to spend this wisely and as new appropriate books become available additional books are purchased using this fund.
The Building fund relates to donations given for the purpose of the building renovation programme which includes replacing the heating system and a kitchen project.
The restricted Hardship Fund is for the purpose of practically supporting others through difficult trials including situations of material need. The Mission Fund is to raise funds for supported missionaries and other charities.
Page 8