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 Si￿ng
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 registe￿d 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 strUC￿Te 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
cons￿tution. 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 chIld￿n 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 child￿n.
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.
SkIl￿1- 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
e￿prfe res
nslbblit￿S 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 attent￿n.
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 prO￿r 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
T￿al 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 Tn￿le￿ 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, Tr*ets the definStkn of a publlc benefft
entlty Lbndw FRSIO2.
Assets and Ilabllit￿s arE In[t[al￿ rncoJnlz8J at hbtcml cc6t or value unless oth&wlse statsj
In the re￿ant ￿(￿ntIr￿j p)1* ￿)te5.
b Donations receNable
Don•tions are *xourrtod for then rxi*v•d
8CI8S
Legacies are aco)untad fof when r8cawl.
Investment incom• is induflod in tha aC￿unts 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 ch*rrtablo 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 reS8￿e p)licies
ar8 shown below- no such rN)licy is required for th6 Prot*rty Fund, this belng a ca￿tal 8ndowmenl fund.
Manse F
Rer￿Oni￿ng the wsslbility that the Church may be requIr￿1 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 S￿nI 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 FooJb*k
¥hi•r Futur• F￿rtht￿
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
2￿5
2024
Totol
100,4$2
19.CQ9
Total
.419
mIn￿try
95.419
8.139
24,444
Oth•r mlv
Don￿l￿j 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$9k
EBF. H￿p Heat Ukrw
w￿1￿7+ &bl• Tr•ng1•ty81
cyo
1.1eé
1.166
7W
1ntsrnatKn￿ Jusik•
ir*wJi H
SASRA
SW
Swr9eor￿ Col
The B8rnB￿ Fur
11
2$)
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 t*fined Contribvbon
Payments ￿ lom)er Defined 8enefft PL4n
Interwdt cost re def￿rt in former Oefinad Benefft
Actuaiial gain8 gtc re d8kit in fOr￿￿T D8fin*J Be￿fft Pl•n
Other c4)8ts (Cour￿$ twaler aTrJ leWw}
Totsl
2,379
10
118.192
12S.206
A￿ra99 number of employee¥ durirg th? yoar
Full time worteryd
Part Imè workg18
1.00
0.33
5.68
No employtt reeeived andum8nts in •xc*ss 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 Mink*t•rn wa8 ts).28112024- £92.1031. No otlk•r Trusto8•
V*we rwnunerated In the y￿rI2024- norel
Freehtskj
Churth
Man9•
Total
C08t and N•t book valut
31 DeC￿ber 2024 and 2025
The Churth wemises are the freehokj prerni5es in Lon&, ind￿￿￿¢ ofthe Churc41 org8n and kfws.
They ar• a180 indu$N¢ of1h¢ Churth's 13 fre¢lh)Id pfj￿ Spa￿ in th8 VIMyarf Sirtyet tar path, vthlch
a￿￿1red in 1977 at no ¢))st reccwMvJ the inth.lty to park In Eld Lw durlrffj th* day rfj8uMir¥J
th• p•d•￿rianiSal10n of Ebj Larn.
The M•r¢8• 1$ a hou￿ in Cdekn•8t•r in Jafi￿ry 2(￿ and currenty by an A680c*ate
Minigtèr and hK¥ f*nily.
These premises are u8ed for direcl thariiat4e pU￿￿e1.
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 Ir￿lUding 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 S￿Ond 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
Inetsm￿ng
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 rec￿e ￿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$
In￿mIng
resources
210,939
Resource6
nd*J
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 Rg*r$ & Devdo￿aTrt 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$"I, wh￿h iq a separate
I￿84 enbty admIn￿tered bythe Pef￿n frustee18aptst P8nsion Trust knrnrtedl The assets ofthe Scheme
are hehl separatety from those of the Ern￿oYe[ and the other par*Lypats￿g ern￿OYerS
The Scheme, piwousty known 8$ the Baptsl MinL%tets' PensK)n Fund. Started in 3925. but was dosed to
futur¢ accrual of defiTr￿1 benefv on 31 December 2011. Prk)I to date the man benefit pro￿je￿ 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, p￿￿￿1Th wov*h)n 16 t¢ir¥ made throLgh the D•frfi*J Conthbubon rr¢i Han wthin the
Scheme
Cth 30th jur￿ 2022 the 8apbSt Pen6*)n sthe￿ sywl * 41ots￿nt Ih8 Thuranc• ¢omp8ny Just Group
I"Jusf) lo seoJrE DB P*n rrffjmber¥' be￿fits. 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 P￿n 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.y￿r £1 monlh contribub"on$ to the DB PL4n c8as8 after the Cthbor
2024 COr*tr*ut￿ afid org￿1￿00"￿ no h)rw has any lurbh•r mponsikn.lrty ttywatds th8 DB Plan.
W• are P￿a￿ thal lh* has t*en to earf*r.and at 8 rnuth lo*pr cx)st.th8n ￿ antldpat8d.
In wi*al. min￿18r5 pay 8% ollh•* Incoff* •￿1 wnpkny•i• yye% ￿ mamter8'
Pénlon¥b* Incom8 Into ￿nd￿￿Ual pa￿￿)n a￿￿￿nIS 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 insura￿e *I)￿h prov*J81
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 Bap￿1 Un￿n ol Great Brrtain wth AvNa Lmrt8d.
Members of the Bo$ic S•ctKsn ol Iho Sc1￿M0 pay r•Juced ¢￿In"bUtIons of 5% of P8n$ionoble Irkc4m8
and Ih8if wnploy*t5 also pay a totsl of S%.
The Schern is cons*Jered lo t* a Mum￿lp10y0r scherne as (lescrt•J u) S￿trJn 28 of FRS 102. 80￿u80 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 ¢￿tr*Ub0￿ 8chem&.
Th8 Minist8r5 ofKI ￿￿ts•r5 of t*urth stsff aro dlillb• to l￿ft 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$t•e of the Churth Is Th• B•pb#t Ctywabon Ltd Ir8gthr•J tharity nurn￿r 2498351,
is by thg Baptst Urmon COLWI. T1￿ Chwth * alw • Ir￿b￿ ofThe Baptst Uniw of ¢>eai Briiain ano tho
E•$tem B8pl$t A8$￿￿q1h?n.
T￿ Church rnad• donatw to Baptst Homo Fund •r#l Iht BMS Workl Pl*6lon •& ￿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- Ce4d*r 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-