Charity registration Number.. 1095786
CHALLENGE COMMUNITY CHURCH
Receipts and Payments Accounts
For the year ending 31 August 2025

CHALLENGE COMMUNITY CHURCH
Financial Statements
For the year ending 31 August 2025
Contents
Page
Trust Information
Trustees, Report
Independent Examiner's Report to the Trustees
Receipts and Payments Account
10
Statement of Assets and Liabilities
11
Notes to the accounts
12-15

CHALLENGE COMMUNITY CHURCH
Trust Information
Status
Challenge Community Church, Hereford, is registered with the Charity Commissioners (No.
1095786) and constituted by a Deed of Trusl dated 19 July 2002.
Trustees
The Charity is administered by the Truslees, who are at the time of signing this report..
Mr S Sully
Mr SWJ Grisman
Mr C Over
Mr IJ Cracknell
Mr JGM ENin
Mr FD Enmin
Western Counties and South Wales Evangelisation Trust is the custodian trustee of the church
premises al 40 Belmont Road, Hereford.
Elders
Mr S Sully
Mr M Roberts
Mr FD Erwin
Outreach and development leader
Ms F Roberts
Church Office
40 Belmont Road
Hereford
HR2 7JW
Registered Office
131 st Peler's Close
Moreton-on-Lugg
Hereford
HR4 8DW
Bankerg
Lloyds TSB
High Town
Hereford
HR12AE
Page 1

CHALLENGE COMMUNITY CHURCH
Trustees, Report
For the year ending 31 August 2025
The trustees submit their annual report and financial statements for the year ended 31 August
2025. The trustees have adopted The Charities (Accounts and Reports) Regulations 2008 in
preparing their annual report. The financial statements have been prepared in accordance with
the accounting policies set out on page 11, and comply with the charity's governing
documentation, The Charities Act 2011 and Charity Commission Guidance and notes.
Constitution
The charity is an unincorporated charity and is govemed by ils Trust Deed.
Object of the charity
To advance the Christian faith. in accordance with the Statement of Doctrines and Practices set
out in the Schedule appended lo the deed. mainly but not exolusively in the Hereford area.
structure, governance and management
The charity is ultimately run by the Trustees. The Trustees have the authority to exercise their
PDwers to further the objects of the charity. The Trustees meet at least once a year but delegate
the day to day decision making on the running of the Church lo the Elders of the Church, some of
whom are also Trustees. The Elders meet formally twi￿ a month to consider the management
and pastoral needs of the fellowship.
The Elders have taken collective responsibility for the pastoral work and Faye Roberts is the
Outreach and Development Leader. Every future Trustee shall be appointed by a resolution of
Trustees passed at a special meeting. Training is available for Trustees as the need arises. The
Elders lake responsibility for the management of risk and have set up a team to identify, assess
and mitigate areas of risk.
Objectives and activities
The church meets at 40, Belmont Rd. Hereford. Our objective is lo reach out to people in the
surrounding community, witness for, teach about, and demonstrate the love of, Jesus Christ and
trust and pray that He becomes their own personal saviour. This is undertaken through weekly
meetings for teaching and worship,. specific evangelistic and outreach events,. The Storehouse
Ministry (provision of foodstuffs to people in desperate needl,. Koffee and Kids,. Who Let The
Dads Out,. Friday Family Fun.. coffee morning,. and various children's and youth ministries.
Gifts to external organisations and individuals are considered by the Elders from time to time on
the basis of need and fulfilmenl of the charitable objectives. There are no upper or lower limits of
support. No commitments have been made for long term support.
Related parties
The Trustees received no remuneration as a result of their office during the year. No Trustee, or
other person related lo the charity, apart from as detailed in note 7, had any personal interest in
any contract or transaction entered into by the charity during the year.
Review of developments
The Church is led by Elders., Steve Sully, Foster Erwin, and Malcolm Roberts.
Page 2

CHALLENGE COMMUNITY CHURCH
Trustees, Report (continued)
For the year ending 31 August 2025
Faye Robert5 is employed full time by the church as the Outreach and Development Leader. Her
contract stipulates one day each week musl be devoted to study, therefore Faye is enrolled on a
theological training course at Crosslands Bible College.
Evelyn Payne is employed part time 122.5 hours) by the church as the Children and Families
Leader. Evelyn started the job on 1st October 2024.
The Elders, along with the Outreach and Development Leader, meet twice each month, once for
regular business and once for prayer. In addition, the Elders are also supported by volunteer
Ministry Leaders, the Outreach and Development Leader and the Children and Families Leader.
Regular activities continue to run with Sunday services which continue to be livestreamed
enabling those that can't make it lo church to access our services weekly. We have continued to
see an increased number of families attending on a Sunday and they have started to become
more involved in the work we are doing as they volunteer in different areas of the church.
We have been meeting regularly as a church for prayer meetings - three times a month including
a half day of prayer in January. Monthly prayer meetings include a Saturday morning, a Tuesday
evening and an evening prayer walk. Our half day of prayer was led by a variety of church
members and was well attended and gave us a refreshing start to 2025.
Life groups continue to run and we have encouraged people to be a part of these. We currently
have three groups and they follow their own plans, although through the year we also have series
that offer life group material to develop Sunday's teaching and application.
Friday Family Fun IFFF) has continued lo engage well with families that currently attend other
midweek events or the Sunday service and therefore continues to be a good opportunity to
develop relationships. We have changed the programme so that we start with games and then
our God slot which has become more detailed and focused as we have a theme for the night
which we try to tie in with games. songs, talks, quizzes and crafts. We then have a light lea at
the end of the evening, followed by tuckshop. Although numbers are inconsistent. we continue to
use the time to build good relationships with those who come whilst endeavouring to find new
ways to connect with more families.
Koffee and Kids has seen a busy year with lots of parentslcarerslchildminders coming in with
their kids and we have continued lo develop relationships with them. Evelyn has brought in more
stories and teaching, to engage the children bul also the parents. Vve continue lo see families
come along to outreach events, our Christmas meal and attend other weeklylmonthly.
We continue to run Who Let the Dads Out IWLTDO) monthly for men and their kids. It has been
a fruitful ministry as we see families coming in that are linked to other rninistries but also new
families as well. It has been encouraging to see the dads that attend take on more ownership of
the event, as they help lead in the kitchen or get alongside new dadslcarers and encourage them
to attend other events. The men continue to build relationship through men's events which also
includes their kids as they go golfing or bowling.
Page 3

CHALLENGE COMMUNITY CHURCH
Trustees. Report {continued)
For the year ending 31 August 2025
Marlbrook After School Club continues to be fully subscribed (20 pupils). It has been good to
build relationships with the children and to have an impact within the school. We have also made
links with Riverside Primary School starting with running a netball club, which led to year 2
lasses joining us for an Easter session. We had three classes of thirty join us to hear the Easter
story, sing songs and do an Easter craft. Over the three sessions we welcomed go students,
their teachers and support staff and they were very appreciative and impressed with what was
delivered. We then welcomed year 1 classes who came to learn about church as part of their RE
curriculurn. They also heard a Bible story, sang songs and did a craft. Again we welcomed 90
students across three sessions as well as their teachers and support staff, they too enjoyed their
time with us.
We continue to run yearly outreach events that are our way to connect with a wider cross section
of the community.
Our Christmas events included a Family Christmas meal where we served 80 people. with
attendees including people from the Ghurch congregation but also families from our different
weekly events.
Our next Christmas event was Carols on the Green on Hunderton Green. The event was family
friendly with short storie5 telling the Christmas nativity with a gospel message to finish. The
event was well attended with new faces joining us as well as families from some of our weekly
events.
We had our Christmas day service which was a family friendly service. It was well attended and
a joyful lime to be together and worship.
This year we did not run our holiday club at Easter but we continued to run our Easter Trail on the
Saturday before Easter. Along the trail kids got to watch clips of the Easter story and they
collected story cards to help them remember the story. We then had crafts, refreshments, prizes
and games when they made it to church which was the end destination.
During the summer we ran our Sunday series alongside our summer events. There were three
weeks of different activities after the service. We saw a good number of families interacting with
the evenls although less of the older generation.
Towards the end of the summer we ran a holiday club for 3 days as part of the counGiI's 'Holiday
Activities Food Programme, (HAF) who gave us a grant to run our club. The grant supports free
school meal children to attend and those that aren't on free school meals were charged £2 a day.
This year the number increased greatly, all the planned spaces booked up and we had to add
extra places. In the end we had about 30 children each day. The children really enjoyed
themselves, with some booking on again and we had a low rate of no shows compared to other
events run under the HAF programme. The council visitor was really impressed with all that we
did. We also saw a family join our Sunday service due lo the fun they had at the holiday club.
We had our third camping trip for the teens. We did a range of activities and short lalks which
were delivered throughout each day focusing on John 15 'What does it mean to follow Jesus.,
Youth also reqLkested that we meet as a youlhlyoung adults group lo do a Bible study where they
came with great questions and they show a real desire to know God and his word more.
Page 4

CHALLENGE COMMUNITY CHURCH
Trustees, Report (continued)
For the year ending 31 August 2025
In September we hosted our second 'At the Movies, where volunteers created all the decorations
so that church looked like Willy Wonka's Chocolate Factory. We launched the event at our fun
day, which we advertised on Your Herefordshire Facebook page which saw greater interactions
than our usual leaflet drops. We also brought in golden lickets where people found tickets and
won prizes. We then ran At the Movies series for three weeks, using three secular films. Each
week we used One the of the filrns and took clips from it which we then used to highlight God's
truth and the Gospel message. It was a great series to reconnect with people that had slopped
attending on a Sunday.
We have worked closely with Putson Baptist Church (another South Wye church) in delivering an
average of 60 food parcels each week to families who are referred to us through schools, social
services and other intermediaries.
Looking ahead to next year we will be continuing with our weekly ministries. We will develop FFF
to make it more accessible for more families, as we are seeing more new families attending.
We will be adding a half day of prayer in September and also running our Fun Day in September.
We will h05t Counties Life Exhibition in October and run Carols on the Green at Christmas, which
will also include a Christmas party beforehand aimed at the kids so that we can encourage more
people to slay for Carols on the Green. We hope to repeal our summer events including the
holiday club and summer camp for the teens.
During the year we want lo find more ways to interact with our community and build better
relationships with other local charities and businesses within the community. We also encourage
our members to serve beyond our own church with members volunteering with Vennture, Good
News for Everyone, Counties, chaplaincy and other activities.
The leadership team have decided to begin 'The Vine Project. which will be a group of ten people
from the church who will work together to shape our ministry culture around disciple-making. The
team has been formed and are looking forward to beginning in September. It will be a two-year
jOL¢rney where we work through five phases..
Phase 1.. Sharpen your conviction
o Why make disciples?
o What is a disciple?
How are disciples made?
o Who makes disciples?
Where lo make disciples?
Phase 2.. Reform your personal culture
Phase 3.. Loving, honest evaluation
Phase 4.. Innovate and implement
Phase 5.. Momentum
We believe Challenge does a lot of good things but to be more effective for God we need to
ensure that everything we do is connected to the vine and we believe this project will help us to
focus in on what we do well and what we need lo develop and change.
Page 5

CHALLENGE COMMUNITY CHURCH
Trustees, Report {continued)
For the year ending 31 August 2025
Publlc benefit statement
Identifiable Benefits, related to the aims of the charity
Through the regular worship & prayer meetings, Bible studies, children's clubs, social aclion
programmes and personal visitation the Christian Faith is shared and people in the community
helped. Individuals have become Christians, had their faith developed and lifestyles impacted. As
part of community life families have been supported.
Beneficiaries
In addition to Church members and other regular attendees, anyone is welcome to attend
appropriate events without restriction. We seek to be available to all in the community.
The Trustees consider that they have complied with their duties under the Charities Act 2011 10
have due regard to public benefit guidance published by the Charities Commission.
Reserves policy
It was agreed at the Trustees meeting on 9 July 2025 to aim lo hold reserves in the General Fund
equivalent to three months expenditure (approx. £16,500) and a base level of reserves of £6,000
(only necessary expenditure below base reserves). The Trustees review this policy from time to
time and agree thal it is still appropriate.
Reserves are currently higher than this due to the need lo hold a balance to meet an anticipaled
shortfall on regular monthly income and expenditure.
No limit has been put on the Restricted Funds (Building, Mission, and Storehouse) as these are
being held for a specific purpose and spent when the need arises.
Risk management policy
The operations team have reviewed and updated the risk management policies of the church.,
when finalised these are passed to the Elders for adoption. The policy is to review the risk
assessments on a two year rotalional basis.
The principal risks currently identified, and strategies for managing those risks are as follows..
Adequate funds to meet commitments. Addressed through the preparation of an annual
budget,. regular monitoring of income and expenditure by treasurer,. periodic review by Elders at
finance meetings.
Safeguarding vulnerable adults and children. Addressed through a Safeguarding Officer.,
Child Protection and Safeguarding policy kept up to date through review and being 8 member
of CCPAS,. training.
Health and safety on church premises. Addressed through a member being tasked to
monitor the condition of premises., fire drills," regular maintenance- promoting the need to
consider health and safety during activities.
Results and financial review
The financial statements for the year to 31 August 2025 have been prepared on a Receipts and
Payments basis.
Page 6

CHALLENGE COMMUNITY CHURCH
Trustees, Report {continued)
For the year ending 31 August 2025
Nel movement of funds for the Church was a total decrease of £10,474 for the year. This is
made up of a £10,462 decrease on the General Fund, and a £12 decrease with respect lo
restricted funds. In light of the investment in a children's worker a general fund deficit was
anticipated and approved on the basis that we had built up sufficient reserves to cover any
shortfalls in income in the early years of this commitment.
The General Fund received income of £62,037 (2024 £71,139), this has arisen due to a small
decrease in giving from members, less tax recovered on giving and a decrease in receipts from
church activities. The General Fund expenditure was £70,199 12024 £63,047) which was a
11,3 % increase from last year. The main reason for this was that the church took on a children's
worker during the year which lead to an increase in staff wages. During the year there were no
building improvements or purchase of new equipment.
The main transfer between funds was £2,300 from the General Fund to the Mission Fund. In the
light of reduced cash Collections for the Mission Fund, we supplement gifts to the missionaries we
support.
The balance on the general fund at the end Df the year was £24,003. This is a little higher than
our reserves policy but these will potentially be needed to fund Ihe aniticpated deficit for the
coming year as the church continues to grow income to cover the higher level of operating costs.
The Restricted Funds showed incoming resources (received or transferred) of £9,970, which are
shown in more detail in note 8. £9,686 of grants were made from the Mission Fund during the
year to the mission works that the church supports (see note 5}. Therefore in total 13.90/0 of the
church income was gifted to missionary works during the year. At the year end the Mission Fund
shows a surplus of £1,31g which will be distributed in the coming year. The Storehouse Fund
continues to be active with income in the form of gifts received of £75 and expenditure of £296,
leaving a balance of £466 at the year end. These accounts only reflect the financial gifts to the
Storehouse Fund and how they were spent. 11 was not practical to value and record in these
accaunls the provisions that are given by members and passed on to those in need. Total
restricted funds carried foward are £1.785.
Al the year end the only designated fund was the 'Project Fund, which had a balance of £2,282.
There was no movement in the year.
Page 7

CHALLENGE COMMUNITY CHURCH
Trustees, Report (continued)
Objectives and activities
Statement of Trustees responsibilities
Charity law requires trustees to prepare accounts for each financial year which state the affairs of
the charity and of the payments and receipls of the Charity for that period. In preparing these
accounts, the Trustees are required to..
Select suitable accounting policies and then apply them consistently.
Prepare the accounts on a going concern basis unless it is inappropriate to presume
that the charity will continue in operation.
The trustees are responsible for keeping proper accounting records which disclose with
reasonable accuracy at any lime the financial position of the Charity and enable them to ensure
that the accounts comply wilh the Charities Act. They are also responsible for safeguarding the
assets of the Charity and hence take reasonable steps for the prevention and detection of fraud
and other irregularities. The Trustees confirm that the accounts comply with Gurrent statutory
requirements and those of the Charity's Trust Deed.
Signed for and on behalf of the
Trustees of Challenge Community Church
SINJ Grisman
Page 8

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF
CHALLENGE COMMUNITY CHURCH
I report on the accounts of the charity for the year ended 31 August 2025, which are set out on
pages g to 14.
Respective responsibilities of trustees and examiner
The charity's trustees are responsible for the preparation of the accounts. The charity's
trustees consider that an audit is not required for this year under section 144121 of the Charities
Act 2011 (the Charities Act) and that an independent examination is needed.
It is my responsibility to..
examine the accounts under section 145 of the Charities Act.,
lo follow the procedures laid down in the General Directions given by the Charity
Commission {under section14515)(bl of the Charities Act)., and
to state whether particular matters have come to my attention.
Basis of the independent examiner's report
My examination was carried out in accordan￿ with the General Directions given by the Charity
Commissioners. An examination includes a review of the accoLsnling 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 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 no opinion is given as to
whether the accounts present a 'true and fair view, and the report is limited to those matters set
out in the statement below.
Independent examinerfs statement
In connection with my examination. no matter has Come to my attention..
which gives me reasonable cause to believe that in any material respect the
requirements..
lo keep accounting records in accordance with section 130 of the Charities Act.,
and
to prepare accounts which accord with the accounting records and to comply with
the accounting requirements of the Charities Act have not been met", or
to which, in my opinion, attention should be drawn in order lo enable a proper
understanding of the accounts to be reached.
18
In(iependent Èxaminer
Mr PA Stuffins
Redlands
Ballingham
Herefordshire
HR2 6NH
Page 9

CHALLENGE COMMUNITY CHURCH
Receipts and Payments Account
For the year ending 31 August 2025
Total
Funds
Total
Funds
General
Deslg-
nated
Funds
Rest-
ricted
Funds
Fund
2025
2024
Note
Receipts
Voluntary Receipls
Regular giving from members
Tax effective giving
Collections
Income Tax recovered
40,574
5,608
11,654
6,431
592
647
47,005
6,200
12,301
48,902
6,777
12,073
Other voluntary receipts
Receipts from church activities
Rent received
Grants received
Investment income
Total income
2,158
900
860
283
2,158
900
860
283
7,670 69,707
5,218
2,790
525
395
62.037
76,680
Payments
Costs of generating funds
Church activities
Grants payable {mission gifts)
69,154
1,045
70,199
296 69,450
9686
10,731
9,982 80,181
56,064
7,060
63,124
7,457
Purchase of new equipment
Building improvements
Total payments
70,199
9,982 80,181
70,581
Excess Receipts over Payments
18.162}
(2,312) (10,474)
6,099
Transfers between funds
6,8,9 (2,300)
2,300
Net movement on funds
(10,462}
112) (10,474)
6,099
Funds brought forward
34.465
2,282
1,797
38,544
32,445
Funds carried forward
24,003
2,282
1,785 28,070
38,544
Page 10

CHALLENGE COMMUNITY CHURCH
ststement of Assets and Liabilities
As at 31 August 2025
2025
2024
Note
Fixed assets
Premises at 40 Be5mont Road, Hereford
Fixtures and fittings
Equipment
423,023
6,874
3,227
433,124
423,023
8,446
4,273
435,742
Western Counties and South Wales Evangelisation Trust is the custodian
trustee of the church premises at 40 Belmont Road, Hereford.
Cash funds
Lloyds Bank Current account
Lloyds Bank Deposit account
Storehouse petty cash
Ignite tuck shop petty cash
3,040
25,017
13
2,111
36,000
13
420
28,070
38,544
Signed for and on behalf of the
Trustees of Challenge Community Church
VVJ Grisman
Page11

CHALLENGE COMMUNITY CHURCH
Notes to the accounts
For the year ending 31 August 2025
1 Accountlng Policies
The principal accounting policies are summarised below. The accounting policies have been
applied consislenlly throughout the year and in the preceding year.
Basis of accounting
The financial slalements are prepared under the historical cost convention, and using the
Re￿Ipts and Payments basis.
Fund accountlng
The church maintains various types of funds as follows..
RestrFcled Funds
Reslricled Funds represent gifts received for specrfic purposes. Challenge Community
Church has two such funds.
The Mission Fund represents monies given lo support missionary works which is
reviewed on an annual basis. The church does not enter into commitments to support
any given beneficiary beyond the end ol ils financial year.
The Storehouse Fund represents monies given lo fund of people in the local community.
mainly in the form of food parcels. The beneficiaries are brought lo our attention by local
Social services.
Design8ted Funds
Designated Funds are amounts that have been pul aside out of unreslricled funds at the
discretion of the trustees. Challenge Community Church has one such fund.
The Projtscl Fund has been sel up to ring fence some larger one off gifts lo the church.
The Trustees wish these funds lo be used for specific evangelistic projects that we would
normally find difficult lo fund from regular giving or lo release lo general funds in a
planned way.
Unrestricted Funds
The General Fund represents unrestricted income that is expendable al the discretion of the
Trustees in the furtherance of the objects of the charity.
Fixed assets
Westem Counties and South Wales Evangelisalion Trust is the Custodian Trustee of the
church property al 40 Belmont Road. Hereford, HR2 7 JW. The £423,023 premises costs
shown in the Slalemenl of Assets and Liabilities represent the purchase and refurbishment
costs of these p￿rnISes and continues lo be an asset of Challenge Community Church under
this arrangement.
Equipment, fixtures and fittings are recorded on the slalement of assets and liabilities al cost
less an eslimaled decrease in value.
Page 12

CHALLENGE COMMUNITY CHURCH
Note5 to the accounts
For the year ending 31 August 2025
2 Analysls of Restricted Fund Receipts
Bulldlng
Mlssion
Store-
house
Fund
2025
2024
Fund
Fund
Total
Total
Receipts from donors
Tax effective giving
Collections
Income Tax recovered
Total in¢om¢
6,431
592
572
7,595
6,431
592
647
7,670
4,375
777
389
75
75
S,541
3 Analy$ls of General Fund payments - Church Activities
2025
2024
Wages and expenses
Bible College
Speaker expenses
Evangelism and outreach costs
Ministry expenditure
Running costs
Repairs
44,615
3,708
456
1,948
2,997
4,142
4,103
7.185
69,154
28,649
3,510
314
4,235
2,727
6,751
8.293
55,590
4 Analy$l$ of Re8tricted Fund Paym¢nt$
Hereford
Community
Grant Fund
Ml$slon
5tore-
hou8e
Fund
2025
2024
Fund
Total
Total
Church activities
Ministry expenditure
Running Costs
Rep8irs
296
296
474
296
296
9.686
9,982
474
Grants payable (see note Sl
9.686
296
7,534
Page 13

CHALLENGE COMMUNITY CHURCH
Notes to the accounts
For the year endlng 31 August 2025
5 Grant8 payable
General
Fund
Mi8SIOTI
Fund
2025
2024
Barn Fe51
Counties
Close House
Ear Aid Nepal
Esther Pri
Good News for Everyone
Joel and Emily Thibaull
Project India
Solomon Nathaniel
Tear Fund
Three Counties Show
Tough Talk
Vennlure
Ukraine
Other grants
350
1,600
355
350
1,6DO
355
300
400
476
375
300
2,770
545
1,620
390
300
400
476
375
300
2.770
350
1,200
538
300
812
545
300
350
1,200
350
1.200
1,51D
350
1,200
1,510
200
10,731
200
1,045
9.686
7.060
6 Transfers betwoon funds
£2,300 was transferred from the General Fund to the Mission Fund lo help meet our
ommitmenls lo the missionaries we supported in the year.
7 Relatod party tran8aceions
Elders and their spouses have clsimed reimbursement, from time to time, foi sundry
expenditure incurred in relation lo church 8¢1ivilies.
Page 14

CHALLENGE COMMUNITY CHURCH
Notes to the accounts
For the year ending 31 August 2025
8 Analysis of restrlctod funds
Misslon
Store-
house
Fund
Total
Fund
Balance brought forward
1,110
687
1.797
Receipts
Payments
Transfers Inlloull
7,595
19,6861
2,300
75
1296}
7,670
19,9821
2,300
Balance carried forward
1,319
466
1,785
9 Analysls of designated funds
Project
Fund
Total
Balance brought forward
2.282
2,282
Re￿iptS
Payments
Transfers inlloull
Balance carried forward
2,282
2.282
Page 15