Colchester Baptist Church Eld Lane, Colchester, Essex COI ILS Re ort and Accounts for the ear to 31 December 2025 Registered Charity no. 1127024
Colchester Baptist Church Report and Accounts for the year to 31 December 2025 Index stalulory and olher infonnation Trustees Report Independent Examiners. Report on the Accounts Statement of financial activits'es Balance Sheet Notes to the Accounts 1016 statutory and other inforniation Church address Colchester Baptist Church Eld Lane Colchester C01 1LS Phone. E-mail address and web4ite 01206 571879 office colchest8rbaptistchurch.org.uk wM.colchesterbaplistchurch.org.uk Regi$ternd Charity no. 1127024 TruBts•s - also known as thè Dlaeonat• (All have seNed from l January 2025 to the date of Sing the accounts unless othernise shown) Lèad Minisl8r Associale MinSster Associ8le Minister Church Secretary Treasurer Deacons.. William Bulther David Gubemu Robin Harboryj Tunde Ikuesan Aymee Isac Rev Tery Tennens Rèv John Pulford Pastor Lee McDade {resign8d 31 Dècemb•r 2025) rim Rose Chns Chapman Karou Magee Aileen Okoth Ondttt Lesley Walder Lizzie Chingatl-Phirl (resigned 31 December 2025) Brnnda R6ad6 (resigned 31 December 2025) Independent Examiner Steve Hunl. ACIB, FNASBM Property Trustee The Baptsst Union Corporation Ltd Baptisl House. 129 Broa(aY Didcot, Oxfordshire, OX118RT Bankers Barclays Bank PLC Leicester Solicitors Thompson Smith and Puxon Stable 6, Stable Road Colchester, C02 7GL LE87 2BB -page1-
Colchester Baptist Church Trustees Report for the year to 31 t>ecember 2025 The Trustees present their Annual Report and Accounts for 2025. Genernl Colchester Baptist Church w35 first reglstered In East Stockwell Street in 1690 and moved to its present site in Eld Lane in 1711. Charles Spurgeon, who came to faith at the Primitive Methodist Church. attended CBC. was baptised there. and preached his first sermon at the age of sixteen. He later founded Spurgeon's College and helped to establish two hundred new churches. Spur8eon also contributed match funding for the Church Hall. The Gradell-listed church buildin& completed in 1834. seats around 350 people In the sanctuary. Its facilities include a multi-purpose hall. smaller meeting rooms, a minister's room. a lounge, and a youth lounge. The large forecourt provldes opportunifjes to en8a8e local shoppers with the good new5 Qf Jesus, partsculèrly at Christmas and Easter. The Church is a registed charlty (Charity Commlssion No. 11270241 and is affiliated wlth the Bapdst Union of Great Britain and the Eastern Baptist Assoclation. Charltable Objert In accordance with its Constltutlon. the Church's prlnclpal purpose Is to advance the Christlan faith In Ilne wlth Bapdst prlnclples. This indudes the advancement of education. community service, and other charitsble psjrposes in the United Kingdom and elsewhere, as the Church determines. The premlses are held In trust by The Bapt6st Union Corporatlon Ltd, whlch acts as the Property Trustee, Organlsatlonal strUCTe and declsloTrmaklng processes Church membership is open to anyone who professes Jesus Christ as Lord and Saviour and shows evldence of their faith. Those who have not yet been bapti5ed a5 believers may sttll Soln but are encouraged to reflect on New Testsment teaching about baptlsm. Church Meetfngs are USLtally held every two months and are responsible for overall policy and major deci5ion5. In line with the constution. members appoint up to twelve Deacons, together with a Church Secretary and Treasurer. Alon85Sde the Mln15ters, they form the Diaconate, which serves as the Church's Trustees. The Oiaconate oversees the day-to-day work and wltness of the Church, together with its financial and legal responsibilities. All members are expected to take part in the spiritual and practical life of the Church. Matters may be brought to the Church Meeting by the Trustees or raised by members for further consideration. Although the Constr"tution allows decisions to be made by majority vote, the Church aims to work by consensus wherever possible. Safeguarding The Church has policies, procedures, trainin8, and support in place for those working with children. voung people, and adults at risk. It a150 ensure5 that staff and volunteers working with these group5 are appropriately vetted through the Disclosure and Barring Service. Objertlves and Arttvltl The Church's purpose ststement is Yo follow Jesus Christ and make Him known," and its vision is to become"a growin& thriving, nurturing family of God." To pursue this. the Church provides a range of activitie5 for member5 and the wider communtty, seeking to show Christ's love in action and encourage people to grow closer to Him. -Page 2-
Colchester Baptist Church Trustees Report for the year to 31 December 2025 (continued) Sunday Sebylces Regular public worship remains centrdl to the Church's work and witness. Services are held each Sunday at 10:30 a.m. and. twice a month, at 6..30 p.m. They include a blend of contemporaryand tradidona5 music, are INestreamed. and offer a range of programme5 for children and young people during the morning service. The Church seeksto be a wami and welcoming community, and èll are invited to attend these services. Activities During the Week Brlght Sparks: Monday mornin8 group for parents. carers. and pre-school children Midweek toddler group Lunch Club.. monthly luneh at the Church providing food, fellowship, and prayer for older members and frlends from outslde the Church Badmlnton and racquet group5 Monthly board games evenin8S Men's and women's soclal groups • Unlabelled group Fellowship on the Farm Remlx- youth night for chIldn aged S to Il+ House and small groups meeting in memberg homes. onllne, and at the Church Soclal ath'vities, includin8 church lunches, 8roup walks, and the annual chur¢h holiday at Sizewell Hall, provide opportunlttes for frlendship, fellowshlp, and mutual support. The Church also works with other local churches to organise an annual joint Pentecost service and a Free Famlly Fun Day In Colchester's Castle Park, which continues to attrart thousands of parents and childn. Open Door The Church hosts Open Door- Colchester. an independent charity that uses the Church Lounge on Mondays, Tuesdays, Wednesdays, and Fridays. Visitors are welcomed with tea or coffee. and the Director and volunteers offer a listening ear, pracn.cal advice. and support, Use of the Church prem5 by external groups: Colchester City Pa5tor5 meet on Friday and Saturday nights. The 12th Colthe5ter Sea Scout Group meets on Wednesday evenlngs. The Nepalese Church holds a worship service on Sundays and join5 the children's activitie5, The Trustees are satisfied that the Church's purpose and the activitie5 described above are consistent with the Charity Commission's guidance on public benefit in relation to the advancement of religion. -Page 3-
Colchester Baptist Churth Trustees Report for the year to 31 December 2025 {tontinued) A¢hlevements and Perfoman¢e Attendance and Internatlonal dfverslty Monthly attendance at Sunday moming services rose slightly from 205 to 214. wrth weekly attendance ranging frorn 170 to 312. The fellowship continues to reflect a rich international diversitv, welcoming families from more than IMenty-se¥en tountries. including Nigeria. Kenya, Malawi, Hong Kon& India, Brazil, South Africa. Malaysia. Ghana. and Rornania. Chlldren and Youn8 People. The Church'5 Sunday children's ministry contlnues to attrart famllles. Around fifty children attend Sunday mornln8 sessions, Includln8 approximately twenty teenagers. To support this growth. a second teenage group has been introduced on Sunday mornings. Outreach and Engagement. The forecourt outreach on Christmas Eve was particularly effective in en8a8ing passers-by. Christmas Day morning worship was attended by around 200 people, the highest Christmas morning attendance for many years. Youn8 Adults and Leadershlp. The young adult group has grown to around twenty members. Several are now serving as Deacons and contribudn8 to leadership. preachlng, worshlp, fellowship. and evangelistic ministry. Mombershlp and Servlce. Church membership increased 51i8htly from 180 to 195. ond a quarter of current members have joined since 2020. More than one hundred members and regular attenders continue to 8ive their tlme, skills, resources. and prayers in support of over thirty church athvitfjes, making a significant contribution to the life and mission of the Church. Financlal Review The Church continued to fund Its actSvltles through the generoslty of Its members and congregation. Alongside this financial support. it relies heavily on volunteers who contribute willingly and enthusiastically across all areas of church life. The financial sUlts for the year, together with the accounting policies and the Trustees, Reserves Policy. are set out in the accompanying financial statements. The Trustees are satisfied that, at the Balance Sheet date, the Church held SLkfficlent reserves and expects enough ongoing income to operate effectively in the year ahead. -Page 4-
Colchester Baptist Churth Trustees Report for the year to 31 December 2025 (continued) Leadership Strurture and Staff Lead Mlnlster Ipart-timel.. Reverend Terry Tennens oversees a senior team of three. Terry joined during the previous ministerlal interregnum and led the transition to a dynamic team mlnistry. helping to deepen splrrtual commitment and grow the congregation. In January, he announced hi5 intention to step down as Lead Minister, believing the Church would beneflt from full-time appointment to the role. He has kindly agreed to remain in post until a new Lead Minister is appointed. A search group was formed, and a church profile prepared and submitted to the Bapfjst Union's Pastoral Vacancy Li5tin8 IPVL). A shortlist of potential ministers has also been drawn up. Assoclate Mln15ter Ifull-timel- Reverend John Pulford oversees work with children, young people, families, and pastoral care. Together with his wife, Rebecca. he also organises the annual retreat to Sizewell Hall, where up to elghty members and frlends gather for worshlp and fellowship. Associate Mlnlster Ipart-timel.. Pastor Lee focuses on evongelism and preaching. He also serves part-time as Director of the Church's Open Door ministry, a drop-in centre offering practical help, support, spiritual guidance, and a Itstening ear to those in need. Durin8 the year, Lee announced that he would return to SASRA at the end of December. He leaves strong legacy of evangelistic passion wlthin the ministry team and among the deacons. together wlth the on80ing success of the Hope Explored and Christianity Explored courses. Deacons, Officers, and Staff: The Church is served by a team of ten Deacons and two Officers, flectIng it5 dlversity Sn gender, age, and ethnitity. Brenda Reed completed three three-year terms as Pastoral Deacon and stood down at the end of the year. The Church is deeply grateful for her pastoral overslght and will miss her compassion and knowledge of the membership. Alleen Odon80 has tsken on the role of Pastoral Deaton and Amy Isac holds specific oversight for evangelism. Three young Deacons also serve as lay preachers. Minlsters and deslgnated Pastor41 Assistants provide pastoral care to Church members and the wider church community. Staff.. Part-time Church Administrator (Paul). Caretskeriaeaner (Nicola), and Pastoral Care Worker for Senior Citizens IRosie). Retlrement of the Church Offlce Manager. The Church extends its heartfelt thanks to Paul for ten year5 of dedicated service, including his faithful work and wisdom through the challenges of the COVID period. We wish him a happy retirement in 2026 and a well-earned rest. The role has been revised to include wider ministry support and now forms pan of the 'Ministry Support and Communications. Lead position. We were pleased to welcome Emine Macey to this role. -Page
Future For 2026. the Ministers and Deacons will continue to focus on five key leadership priorities. Prayer- Prayer interces50r5 for the Leadership Team and prayer triplets among the Deacons. Imagination- New approaches to family services and the sharing of testimonies. Boldness- Outreach events and opportunities on the forecourt. Joyful- New house groups to encourage Bible study and spiritual growth. SkIl1- Encouraging young leaders to preach regulariy in services. We will continue to seek God's will for the Church and make the m05t of the opportunities presented by our central location in the heart of the town. In pursuing God's vision and purpose, we hope to see more members actively involved in mission and ministry, so that we may gmw together. Approved by the Trustees and signed on their behalf. TIM Rose Church Secretsry l June 2026 -Page 6-
Colchester Baptist Church Indopendent ExamlnevJ' Report on the Accounts rt to the Trustees and memberyJ Colchester on the accounts for the ear ended 31 December 2025 set out on es7to16 Res eprfe res nslbblitS of trustees and examiners The Church's trustees a sponsIb for the preparation of the accounts. The Church's trustees consider that an audrt is not required for this year. under Section 144 of the Charrties Act 2011 {the Charities Acl}. and that an independent examination is needed. It is our responsibilty to.. examine the accounts under Section 145 of the Charities Act, follow the procedures lasd dcwm in the general Directions givèn by thè Charty Commisston (under Sethon 14515){b) of the Charities Act),. and to state whether particular matters have come to our attentn. of inde min ement Our examination was carried out in accofdance with general Directions given by the Charity Commission. An examination includes a VIeW of the accounting records kept by the Church and a comparison of the ountS presented with those records. It also includes consider8tKJn of any unusual rlem$ or disclosures in the untS and seeking explanations from the tTUStees conceming any such matters. The Procedures undertaken do not provlde all the evidence that would be required in an audit and. consequenlty, no opinion is given as lo whether the acwunts present a and falff and our report is limited to those matters set oul in the statsment below. endent èxaminers. slalem In connection wrth our examination, no material matters have come to our attention whlch glves us cause to believe that in any material respect.. accounting records were not kept in accordance with Section 130 of the charit Act the accounts do not accord wtlh the %counling records the accounts do not comply with the applicable requirements ¢))nceming the fom and content of accounts set out in the Charities (Accounls and Reports) Regulations 2008 other than any requirement that the a¢¢ounls give a Yrue and fair which is not matter consKlered as part of an independent examination We have come across no other matters in connection wrth the examinatlon lo which attention should be drawn in or(ler to enable a prOr understanding of the accounts to be reached. Signed Steve Hunt,ACIB,FNASBM 36 Wellesley Road Colchesler C03 3HF Date
Colchester Baptist Church statement of Financial Actsvitim for the year to 31 December 2025 Notes 2025 2024 Genernl Deslgnated lunds Restricted funds Endowment funds Totsl nds Total funds Incomlng re8ourc8s Voluntary income Other income Investment inc(Yne 223.207 16.201 1.243 19,922 3.878 1,519 243,129 20.079 2.762 198.082 14.348 3,936 240,651 25.319 265.970 216.366 Resou upend•d Charftable actlvrtles 204,445 25,044 229.489 213,880 Totsl resourcas expended 204.445 25,044 213,880 Net Incomlng rn8ourco0 36.2( 275 36,481 2.486 T¢)tsl funds brought forward 1&20 69.791 235,849 298.000 859,944 657.458 Total funds carried forward 1&20 92,510 70.( 235,849 298.IN)0 692.547 659,944 -pag88-
Colchester Baptist Church Balance Sheet at 31 December 2025 Note 202S 2024 Fixed assets Tangib ftxed assets 11 523.000 523.000 Current assets Debtors Investments Bank and cash 12 13 14 10,770 133.701 30,650 175.121 10,695 106,267 21.633 138.595 Currenl liabilrti88 Creditors - amounts falling due within one year N81 Current assets 169.547 136.944 Net a$sot$ 20 692,547 659,944 Charltsble Funds Endowment funds Property Fund Restricted funds Manse Fund Building Repairs & & Development Fund Total Deslgnated funds Legacy Fund Molhars & T¢xldlfrrs Wodnesday FuThJ Holiday Club Fund Lunch Club Fund REMIX Fund Free Family Festfrval Total Unrestricted funds General Fund 18 298,000 298,000 17 225,000 225.000 235.849 235.849 18 85,339 523 679 332 235 7.550 67,899 638 654 244 556 94,658 69,791 19 64,040 56,304 Tal funds 692,547 659,944 The notes on pages 9 to 15 fom) an intsgrat part of these accourrts These accounts were approved by the Tnle on on their behalf by and signed CJG Chris Chapman Treasurer Tim Rose Church Secretsry .page9.
Colchester Baptist Church Notes to the accounts for the year to 31 December 2025 l A¢¢ountln lici Basis of aration The acwun13 are prepar&Y in accordance wrth the Charrties Statement ol R8¢ommMdtsJ Pra¢tic& Icharitios SORP 20151. FRS102 and th th& Charth'es Aca 2011 Colch&ster Baptist Chur< is a reyislefed Charrty. no. 1127024, Trets the definStkn of a publlc benefft entlty Lbndw FRSIO2. Assets and Ilabllits arE In[t[al rncoJnlz8J at hbtcml cc6t or value unless oth&wlse statsj In the reant (ntIrj p)1 )te5. b Donations receNable Don•tions are xourrtod for then rxiv•d 8CI8S Legacies are aco)untad fof when r8cawl. Investment incom• is induflod in tha aCunts in th& y•ar in wffiid) tt is r¢¢avabl Ex enditure reco nition All expendrturt is aeeount•d ftsT on •n •¢uuals basis. l Fund raisin and The Church does not m8k6 formal app•als for fvnds oth¢r than wrthin the Church and expendit14Te on th•so rtems Is therefore not matèrlal. The Church rnakos 9Tants to othor or9anisations whoso chrrtablo objg¢ts o)mplomenl it8 rk. They ar• accountéd for In th• y•af for which Ihgy ar? payabl•. rn This represents direct expenditur• on th• 9ov¢mon¢e ofthe Church Most of the managemont is earritsd out wrthout charge by volunleers This intsngTbl• ¢ost is not Inclu In the Stalemenl of Financial Activrtlgs $in¢g there 18 no mo•$urablè cost to the volunteers for thèir swviee. Fix•J assats 1 The Church's freehold prèmis8s aro ineluded in the Balance Sheet at cost. 2 Purchases of equipment are a¢¢ounled for as fix&a assds wh8ra individual atssèts ¢ost ÈS,000 or mor• There has Wn no such wdrture in the y8ar or in rac8nt yaars. Any sueh fix assèt would be depreciated to YKitMff th8 6yndrture w•nly over the ¢oursè Of its estimatsd usthl life. reciation Daprèciation hos not be¢n charged on the ChuTth preM&S u$•, in tho opinion of the Tru5t••s. their residual valve is not less than thè original cost price k Inv8Stm8nl Ass Quoted investrnents are ststed at mark8t Yaluo. Al other Invostment assds are shovm at cost. l ReseTves This 15 set out in Note 2 page 10-
Colchester Baptist Church Notes to the accounts for the year to 31 December 2025 (continued) 2Re General Trustees of charities are under a general kgal duty not to hoard funds but to use them for the purposes of the charity.. this 13 Part of the basls under which charities receive preferential tax treatment. notably Ihal they are not suty'ecl to Corporation Tax arKI that they can recover tax on ¢ertaln donations under Gift Aid arrangemenls. Charities are now required to have 8 Reserves Policy for most of their funds. The Church's reS8e p)licies ar8 shown below- no such rN)licy is required for th6 Protrty Fund, this belng a catal 8ndowmenl fund. Manse F RerOning the wsslbility that the Church may be requIr1 lo purchase more than one manse in the future, the current policy of the Trustees Is Ihat the Manse Fund should have a maxlmum balance of £81)0.000. Bulldln R8 airs & Develo ren ent Fund The policy of the Trustees Is that the money In Ihe fund. whlch Is lo provhde fln8nc for agreed and posslble projecjs, will be SnI wtthin S years of being received. Le Fun The pollcy of the Trustees Is that money received by this fund- which arises from legacles from the estates of fomer meml)ers- wlll be spent wllhln S year5 of belng recelved. General Fund The pollcy of thè Trustèes Is to hav8 between £25,000 8n(1 £75,0 In the General Fynd at the er of any accounting year so as to provide a SerVe agalnsl a sudden drop in Ihe general Income of the Church. These funds are currently Mothers & Toddlers Wednesday Funds Holiday Club Fund Lunch Club Fund REMIX Fund Free Family Festival - Anftual Event wlth C7 Churches of Colchesler The policy of the Trustees is that the Fur%ls will have small balances. -page11-
Colchester Baptist Church Notes to the 8¢cou¥ts foT the year to 31 Deewnbw 2025 Icontsnutyjl All valuès shtrwn in £ Volurta 202S 2024 To 160.$89 30.786 Total 181,450 31.695 28.469 1.315 243.119 l•rino5 Gbft Ak 161.757 31. 19.693 •nd 1.315 223.207 1,197 198,062 19.922 2P25 2024 BMS Worfd PA88lr Mgdailk? Tru Cc4¢h•¥t•r FooJbk ¥hi•r Futur• Frtht 415 41S io 570 1.315 Te 1.315 1.187 2024 Total 3.925 C¥ wrf¢ donths Tr•n d Frvm F¥ FLThI Othw 3m 3.878 418 1e.201 418 16.2Ql 710 14,348 3.878 2024 Total Tot•1 2,762 2,762 8U Lw Irrt•r••t 1243 1.243 1.519 1.519 3.936 25 2024 Totol 100,4$2 19.CQ9 Total .419 mIntry 95.419 8.139 24,444 Oth•r mlv Donlj tyth• Church17kl• S) 29.818 1.315 1.315 1.197 51.$38 51.538 minwlrntpji (Tr4th • tua gait. qtc 10 5.519 213.881 204.445 74.444 228.8Bg 2024 Totsl BUGB Hom• W$9k EBF. Hp Heat Ukrw w17+ &bl• Tr•ng1•ty81 cyo 1.1eé 1.166 7W 1ntsrnatKn Jusik• ir*wJi H SASRA SW Swr9eor Col The B8rnB Fur 11 2$) 29.2ts) 29.816 29.816 - 12.
Colchester Baptist Church Notes to the accounts for the year ending 31 December 2025 (continued) I values shown in £ exce where stated otherwise 2025 2024 Totsl 15,323 7,126 Total 18,371 8,286 Administrative staff other administrat $ts Totsl administth.on cost 18,371 8,286 26,657 10 Staff eo•t• and TnMt••• •x 2025 Total 1C6,268 9.545 2024 Tot81 117,401 7.795 Salar$ Soual s8cunty CfAts Pon8ion costs Isee 8Lw Ncle 211 Contn'butsons to tfined Contribvbon Payments lom)er Defined 8enefft PL4n Interwdt cost re defrt in former Oefinad Benefft Actuaiial gain8 gtc re d8kit in fOrT D8finJ Befft Pl•n Other c4)8ts (Cour$ twaler aTrJ leWw} Totsl 2,379 10 118.192 12S.206 Ara99 number of employee¥ durirg th? yoar Full time worteryd Part Imè workg18 1.00 0.33 5.68 No employtt reeeived andum8nts in •xcss of É60.000 during y4ar12024 nwl. And Tr) wmi were reirnbur¥ed to th8 Tn)Bte8B ts thwr as TnJ8tee812024. rthel. Each Mln18t•r ofthe Churc acts u 18 om of rt8 Tru$t•eJ in vith ts Churth'j CGThtitubon. bul 18 not réimbursèd for Work. Each w rsmun8rat8d for hiwher wryk a6 a Mini$t8r ol the Church. During thg year, the 8rnF4oyrnent ¢$ and twefits ofthe Minkt•rn wa8 ts).28112024- £92.1031. No otlk•r Trusto8• Vwe rwnunerated In the yrI2024- norel Freehtskj Churth Man9• Total C08t and N•t book valut 31 DeCber 2024 and 2025 The Churth wemises are the freehokj prerni5es in Lon&, ind¢ ofthe Churc41 org8n and kfws. They ar• a180 indu$N¢ of1h¢ Churth's 13 fre¢lh)Id pfj Spa in th8 VIMyarf Sirtyet tar path, vthlch a1red in 1977 at no ¢))st reccwMvJ the inth.lty to park In Eld Lw durlrffj th day rfj8uMir¥J th• p•d•rianiSal10n of Ebj Larn. The M•r¢8• 1$ a hou in Cdekn•8t•r in Jafiry 2( and currenty by an A680cate Minigtèr and hK¥ fnily. These premises are u8ed for direcl thariiat4e pUe1. 12 DebtoY 2025 Tota 9,719 1.050 188 10,951 2W24 Tota 9,332 1.103 260 10,695 Prepayments Othèrd¢b*or¥ Total .P•3813.
Colchester Baptist Church Notes to the accounts year ending 31 December 2025 (contlnued All values sh¢)wn in £ 13 Investments held as current a¥ts 2025 Total 133,701 133,701 2024 Total 106,267 106,267 Baptist Union Loan Fund Total 14 Ba k and cuh balances 2025 Total 30.462 2024 Total 21,633 8arel•ys Bank PLC due wl 2025 Total 4.324 1.250 5,574 2024 Total 1,651 A¢¢ru•d ¢harg8s Deferrèd ineomè Total 2,963 18 Endowm•nt Funds 1 Jan 2025 Ineoming r•souic•s R8souices ended Transfers 310gc 202 Property Fund 298.000 298,000 Th• Property Fund was created in 2006 as a r•8uIt ol IrlUding th• Chur¢h's propwty in the a¢¢ounts 1 Jan 2025 Incoming resour¢o6 Rosoure8S endgd Transfers 31 Dec 202 Manso Fund ullding Rgpalrs & D•volopm•nt Fund Total 225.000 10.849 235.849 10 649 235,849 The Mansè Fund 1$ to prowde lunds towards the Manse Of SOnd rnortgage of ea¢h Minist•r The Building R•p8Trs and Dwelopment Fund, Vd to raise money for specific proiects approvgd ty tha Church Meeting and lo pay for su¢h proi¢¢ts. -page14.
Colchester Baptist Church Notes for the year ending 31 December 2025 (Continued) I values shown in £ IB Dosl nat•d Funds 01Jan-25 Inetsmng r6Bource Resources Interest 31-Dec Legacy Fund Mother8 8 Toddlerg Wednesday Fund Holiday Club Fund Lunch Club Fund REMIX Fund Ire? Famty Fe8tNal Tol 67,699 28.469 112,3481 1,519 85,339 304 75 340 480 14191 523 678 333 235 654 244 556 (2511 18011 10573 24.443 69,791 47.791 1.519 94,858 The Legacy Fund to rece gac from Church m¢mbtrrn and InendB ar to 8pend them V+i8dy. Thè other dadonated funik are church acw grouF6 StrKt¢d Fu 01-2$ InmIng resources 210,939 Resource6 ndJ 204.445 Transfors Intor88t 31-De¢ General Fund 56.304 1.243 64,040 The General Fund M th• oporth)n fvnd of th• Church in wlmch m08t itom$ of in¢omg 8nd penditUre are TecoTded. of n•t Frx&J asB•ts Nat curr as$8ts T¢tsl Endowrnent Fund8 Propaty F(tnd Restri¢ted Fund$ M8ntsè Fund Building Rgr$ & DevdoaTrt Fund D88ignat8d Fund Legacy Fund Mothers & Todd8rn Wedne#d8y Fund Holiday Club Fund Lun¢h Club Fund REMIX Fund Fre• Famity F8Stw Unrestncted Fund8 Gener Fund 298.000 298,000 225,Crf)O 225.000 10,849 10.849 85,339 85,339 523 678 333 23S 7,550 523 678 333 235 7,550 64.040 169547 64,040 692.547 523,000 1 Penslons Ganèrd infoimthn The Church a parb'apabng empkjyer in thè 8apN Pension Schame CY)e Sch&m$"I, whh iq a separate I84 enbty admIntered bythe Pefn frustee18aptst P8nsion Trust knrnrtedl The assets ofthe Scheme are hehl separatety from those of the ErnoYe[ and the other parLypatsg ernOYerS The Scheme, piwousty known 8$ the Baptsl MinL%tets' PensK)n Fund. Started in 3925. but was dosed to futur¢ accrual of defiTr1 benefv on 31 December 2011. Prk)I to date the man benefit proje through the Defined Benefft IDBI Plan YRS a p6n%on of one ghIJeth of minimum onab incomè for 8a¢h year of Penwonable Service togethèr wth add"ona pen&on In rw of pramiums swd on PenwonaNe Income in excess of Minimum P&roionaiAe Income. .page15.
Colchester Baptist Church Notes to the accounts ft>r tho year ending 31 Do¢omber 2025 {Contlnuod) Gènèral infornabw Icontinu&Jl From January 2012, p1Th wovh)n 16 t¢ir¥ made throLgh the D•frfiJ Conthbubon rr¢i Han wthin the Scheme Cth 30th jur 2022 the 8apbSt Pen6)n sthe sywl * 41otsnt Ih8 Thuranc• ¢omp8ny Just Group I"Jusf) lo seoJrE DB Pn rrffjmber¥' befits. Ju5l are provldkng finartial bathing for ali F•nsions provhI8d through lh8 S¢8m8s DB PL4n fol&Mng lh4 transactKJn.the Schem? no Jongor h88 a 8hortf811. An utx18tsd Rec¢very Pn wa¥ Ih¢n In August 2022Ltnderwhth recovery cont¥Jutions from each partiopaling 8mpkJyer lh8 DB Paln reduc8d to £1 par monlh August 2022. Th8 88pb8t PensK)n Sthtrrro ho rw s81d Ihot kn thre delwJhted to rwt that estknate tho Sth•ma' OB Plan has a 8uWu6 As a resul1.yr £1 monlh contribub"on$ to the DB PL4n c8as8 after the Cthbor 2024 COrtrut afid org100" no h)rw has any lurbh•r mponsikn.lrty ttywatds th8 DB Plan. W• are Pa thal lh has ten to earfr.and at 8 rnuth lopr cx)st.th8n antldpat8d. In wial. min18r5 pay 8% ollh• Incoff •1 wnpkny•i• yye% mamter8' Pénlon¥b Incom8 Into ndUal pa)n anIS a¥8 operated and manafftl M bahaw ofthe Pension Trus1•8 by Broad8t¢n¢ Ccw¥t• Bw•fits Ltd In addilh)n. thnplwr pays a fvth8r4% of Pon8b2nabl• Ir£L to cover Death In S•Thbté Bènèfftts. thinwal)n costs. aThl an assoo8W insurae I)h provJ81 incom8 wotockn'on for Scheme in Ihe tsv•nl that they ore urt•b to work duo to long-bm Incapacty. This Incorrts prolgcllon pdlcy has téèn by the Bap1 Unn ol Great Brrtain wth AvNa Lmrt8d. Members of the Bo$ic S•ctKsn ol Iho Sc1M0 pay r•Juced ¢In"bUtIons of 5% of P8n$ionoble Irkc4m8 and Ih8if wnployt5 also pay a totsl of S%. The Schern is consJered lo t a Mumlp10y0r scherne as (lescrt•J u) StrJn 28 of FRS 102. 80u80 R18 not possibkn to alth.buto the sc,$ as¥8ts 8n(I li•bihll•# to •mpbyw8, th• thm• M gccountsd for a$ rfthe Scheme wor• a ¢Jefined ¢trUb0 8chem&. Th8 Minist8r5 ofKI ts•r5 of turth stsff aro dlillb• to lft ts SdwI. Th• co8t ol delaled In Nots 10 Isol sh Bank balan.¥11 repayab with no nrte Oetx)sits.repayable th 3 mcfflths nolic• or l••• r Total 30,462 133.701 21.633 1(E,267 127900 Tho Property Tru$t•e of the Churth Is Th• B•pb#t Ctywabon Ltd Ir8gthr•J tharity nurnr 2498351, is by thg Baptst Urmon COLWI. T1 Chwth * alw • Irb ofThe Baptst Uniw of ¢>eai Briiain ano tho E•$tem B8pl$t A8$q1h?n. T Church rnad• donatw to Baptst Homo Fund •r#l Iht BMS Workl Pl6lon •& t sxrt In Nots 8. T Churth th mad• • to Baptsl LfAn Fthl as 8hwi In Nots 13. Tho Churth supports th• charty cal Open Door- Ce4dr Ire9Lthrtsa thanty number 11016751 oporatoB on it3 premlses. Optn Doof8 constitubon rnquire5 there lo be a rnajtinty of m8mtW8 of Ihe Church as 115 Tru¥tO0S. Th• Church made a donation to OFth Door as set out kn NO 8. -py16-