ST AINNE'&ON-THE-SEA
UNTTED REFORMED CHURCH
ELDERS. REPORT
FINANCIAL STATEMENTS
FOR YEAR ENDED 30 APRIL 2024
Registered with the Cbydrity Commlssion 1128043

ST ANNE'WY4.THE.SEA UIYTtED REFORMED CHURCH
CHARITY NO 1128043
YEAR ENDED 30 APRIL 2024
CONfENrs
I-A2
Elders, Report
13
Statement of ElderJ' Responsibilities
14
IDdependent Examiner's Report
15
Receipts and Payments Aceount
16
Ststemell¢ of Assets and IAabiliti&¥
17-22
Notes to the Accounts

ST AIYNE'&0N.￿sE￿ UN￿ED REFORMED CHURCH
CHARITY NO 11281M3
ELDERS, ANNUAL REPORT
FOR THE YEAR ENDED 30 APRIL 2024
The Elders present their Annual Rwr¢ together with the independently-¢xamin¢d Accounts for the year
ended 30 April 2024.
The Report and Accounls have been prepared in accordance with the Charities Act 1993 and the Charities
(Accounts and Reports) Regulations 2008.
Elder5
Th¢ Elders who $￿ed during the period between l May 2023 and 30 April 2024 were:_
May Bishop
David Croall
J&cquelin¢ Dell
Eil¢¢n Garfitt
Sheila Howarth
Chris Howland
Peter Melvin
Dorothy Myers
Chris Phair
Joyce Phair
Principal Officers
Partnership Mlnisters:
Rev Jirn Williams
Rev Janet Calderley
David Croall
Eli7abeth Flemin8
Church Secretary:
Tr¢asurer.'
Prin¢ipal Addre53
St George's Road
St Anne's-on-sea
Lancashire
FY8 2AE
Email: oificesaurc@btinternet.com
Website: wiw.startnesonseaurc.o
Facebook: Stsnnesurc
PrintiP841 Advisors
Bankers
The Co-operdtive Bank
PO Box 250 Delf House
Southway
Skelmersdal¢
tAnc&5hire
WN8 6wr

ST ANNE'&ON.THE-SEA uNrrED REFORMED CHURCH
CHARrrY NO 1128(H3
ELDERS. AiYNUAL REPORT
FOR THE YEAR EiWED 30 APRIL 2024 (continued)
Principal Advisor& contittued
tnvestsnents
Rowan Dartington
C()Iston Tower
Bristol BSI 4RD
Professional Advisor
iiobert Miller
Jones Regan Wealth Management Ltd.
Newlands Estat¢
315 Chorley New R(￿d
Bolton BLI 5BP
Registered Accountants
John Potter & Harrison
Chartered Accountants
1121114 Ivhitegate Drive
Black[￿1 FY3 9XH
Aim and purpose
The governing document of St Anne's-on-sea United Refomi¢d Church confms that ' The object of the
Charity is Éhe advancement of ihÉ Chr￿tIan faith for the benefit of ihe public In accordance with ¢he
ScheTne of Union olihe UnitedReformed Church.,
Constitutio
St Anne's-on-S¢a United Refornied Church has a written Constitution. which provides for all relevant
provisions conc¢min8 the following area5 of Church life:
The Iwal and wider Church.
Constitutional Documents governing the prc¢esses and management of the Church:
Property Trusts and Administration.
Church Membership>
Church Meetings"
Church L£adership?
Honorary OITicers. Representatives and con￿lttees.
Employees and paid contrnctors:
Holy Communion.
Baptism"
Church Policies.
Closure and Dissolution.
Risk Management
Finances
The budget for vach year is constructed after considering the risks associated with continuing to generate
sufficient incom¢ and with the control of expenditure.
For exampl4 the trends in pe￿Onal givin
lettings and fundraising are consideted realistically and influenced by courses of ￿tIOn to maintain and
incre￿ income where possible. Expenditure is divided between costs incurred through everyday
activities and costs de¢m¢d to be exceptional, for which provision is made by means of the planned use of
reseryes. Th¢ Church Metnbers. Meeting is advised on financial arrangements. and final decision5 (other
than those properly delegated) always require the approval of the Members. Meeting.

ST AIYNE'&ON-THE-SEA UNrrED REFORMED CHURCH
CHARITY NO 11281H3
ELDERS, ANNUAL REPORT
FOR THE YEAR ENDED 30 APRIL 2024 {¢ontinued)
Risk Management (¢ontiDued)
Investments
The Church inv¢stments are overseen by the Elders and managed by a small group of representatives
from the church Congregation. They meet as required with the indep￿ndent financial adviser and a
representativ¢ of the inv¢stment group Rowan Dartington. 11]rough fmancial reFrf)rts provided for their
meetings from the group and the independent financial advisor. Eldet3 consider the major financial risks
to which the Church is exposed. They have established systems and procedures to manage those risks.
The Chur¢h ¢nd¢avours to invest safely and ethically.
Nature, bgsis of faith and mission
Nature
St Anne's-on-sea United Refomied Church c4)nsists of members of the United Reforn)ed Church who
meet tog¢th¢r lo¢ally for worshipy Witness and savi¢¢.
Basis of f&ith
As membeTS of the United Refornied Church. we..
reatTirni our faith in one God. Father, Son and Holy SpiriL taking the Father to be our Father. the Son
to be our Saviour and LA)rd and the Holy Spirit to be our Helper and Guide.
rejoice in the Covenant God makes with us and delight to answer it with our discipleship. living out
our farth through meml￿ShIp of the Church.
gladly and obediently accept God's call to partnership with Him in His mission to all creation -
declaring that He is Lord of alL and making real the love which is ours in Christ Jesus.
Mission
As Elders and MeM￿r$. we commit ourselves to the following priorities for St Ann¢'s-on-Sea United
Refornied Church..
publi¢ worship whi¢h proclaim5 and celebrates th¢ Gospel in ways that give glory to Gi)d. 8nd speak
to His people of all generations.
continuing developmetLt as a Christian communty. the haIlmatks of which are a w¢ll-infornied and
nurtured faith, and friendship and caring for all. which includes outreach to the community, near and
A¢hievemeDt and Perfomxllte
Dvring the wurse of the year the life of the Church has continued encouragingly. thankfully returning to a
far more normal operating pattern after th¢ difficulties of the Covid pandemic. We have ￿j01¢ed once
again both in our worship. and the ability to play a vilal part in service, fellowship and outreach within the
community. Some of the notable events and developments of the year were as follows.
In M&y we joined with Churches Together in Si Anne's to host a joyfvl open-air service in our garden,
following the Walk of Witness around Ashton Gardens. This was extremely well attended by friends from
most of th¢ churches in the town and we were blessed with wonderful weather. Photographs of the
o¢wion were featured in the NW Synod Newsletter.

ST ANNE'￿N.THE-sEA UNITED REFORMED CHURCH
CHARITY NO 1128043
ELDERS, ANNUAL REPORT
FOR THE YEAR ENDED 30 APRIL 2024 {eolltinued)
Achievement Perforniance (continued)
July, of course, is the month for St Atme's Carnival, and w¢ threw ourselves into the party spirit.
Stsrfishes supw)rted other mwnbers in creating props and artwo￿ for the walking float modelled on this
year's theme 'We do like to be beside the seaside.. Representativ¢s from our Junior Church, Messy
Church and Starfishes joined members from many of the other churches in the parade. 200 wooden fish
were distributed to children watching the parade pass by. A great deal of talent and imagination was
evÉdent fmm the preparations. and the walking float was awarded first prize by the judges in the Faith
Groups & Charities section.
Over the course of th¢ w¢ekend volunte£r5 from the Churches also help￿ out at the Churches To8ether
stand in Ashton Gardens. A number of g(x)d wnv¢rsations were had with visitors to the stall, donations
wer¢ rec¢iv¢d for Christian Aid, children enjoyed making some crdfts. numerous booklets and l¢aflets
wer¢ taken away (along with some lolliwps). inforn￿tIon aFM)ut the town's churches was shared, and
prayer requests were received. On both days pr(Keedings were brought to a conclusion in the late
afternoon. courtesy of some spectacular thund¢rstorn)s, but all a￿￿ that it had been very worthwhile
and r¢wardin8.
In September Elder5 attended an important meeting of NW Synod at the S￿MesbUry Hotel, to discuss
ideas for the future re-shaping of Missional Partnerships and the sharin8 of ministy within Lan¢ashire.
No specific proposa15 were agtE¢d, but the event was a very worthwhil¢ exercise in sharin8 thoughts with
other churches in the county.
Fleetw(x)d URC hosted th¢ Partnership Awayday, and in Octoixr a number of our members spent the day
with our friends there. ¢njoying the hospitality and fellowship. We look fonvard to inviting the
Partnership chur¢h¢s back to St Anne's later this year when we ar¢ once more the venue for the Awayday.
As autumn moved into winter we re-opened our Warni Spa¢e on Wednesdays - on¢¢ again offering
sustenance, support and friendship to the many people who joined us. Soup and delicious sandwich¢s ar¢
provided at lunch. along with hot drinks & biscuits throughout the day. There is, unfortunately. a cl¢&r
need for such provision within the tow￿ evidenced by the many regular visitor5 - many of whom will
spend the entire day enjoying the companionship and warnith to be found there.
An early act of prepardtion for Christmas was th¢ Blessing of the Crib in St Anne's Squar¢. wh¢r¢ we
joined with Churches Together in holdin8 a service enjoyed by many shoppers and visitors.
In December there was a shared service with Fairhaven URC, at which it was our pleasure to host our
friends from the congregation of the White Church.
The toy & gift service held later in the month once again demonstrated the generosty of spirit within our
hurch. resulting in a huge number of parcels and bags bursting with toys. These were taken to the
Salvation Arnjy in Blackpcol for distribution among the many deserving families in the area.
Moving into 2024, we hosted another shared service with the IVhit¢ ch￿￿h in February, and later in the
month there was a very well_attended training Course on Pastoral Car¢.
Easter saw the moving T¢nebrde service on Maundy ThuThfjay. followed by the Good Friday pr(*ession
in the town, with prayers being offered along th¢ journey. tater in March our church was the town's
venue for the serYi¢e for World t>dy of Prayer.

ST ANNE,&0N.THE￿EA UNITED REFORMED CHURCH
CIIARrrY NO 1128043
ELDERS. ANNUAL REPORT
FOR THE YEAR ENDED 30 APRIL 2024 {contiDued)
Athievement and Perfornianee (continued)
A busy March conclud￿ with some fwe safety trainin8 for many of our numerous volunteers, the final
session of the Wann Space at the end of the month. and the unveiling of the large 'L¢t's End Poverty,
banner in our front garden.
Concludirtg th¢ y¢ar in April a number of Elder5 attended Stonyhurst School for an Elders, Enrichtnent
Day) listening to som¢ informative presentations and sharing e￿riellce. knowledge and friendship with
EldeTS from other churches in the region
The following groups continued to play an important and joyful role as valued additions to our church
family:
Choir
Sunday Club
Flow¢r Team
Prayer Chain
Bible Study
Pastoral Care Team
Starfishes Toddler & Carer Club
Fundraising
Thursday and Saturday Coffee Mornings
Thursday Club
Messy Church
Craft Club
In th¢ name of the local Church, members also supwrted and contributed to the work of:
Commitment for Life
Christian Aid
The tkprosy Mission
Lo¢al ecumenical activities
World Day of Prayer
Fylde Foodbank
Salvation Army
Parkinson's UK
Smile Train
Tools for Self Reliance
The Untted Reformed Chll￿h at Are4 Synod and National levels
In carrying out all the church's essential athninistrative and legal dutie& the Elders were ably supported
by the many postholders and the unstinting volunteers from our Church family who have carried out our
work and wilness. Some of those many activities are summarised in the reports below.

ST ANNE'￿N.THE-sEA UNITED REFORMED CHURCH
CHARITY NO 112
ELDERS, AJYNUAL REPORT
FOR YEAR ENDED 30 APRIL 2024 (continued)
Life of tbe Cbur¢h
Worship
Another year has passed since the last worship report in 2023 and we still travelling along a road of
varied worship. We have shared again with the many leaders who always aim to bring during our worship
time Bible readingsj Hymns, Prayers ond The Word of God IK*th in traditional and reflective ways to the
church members, friends and people who just '￿TrIn,.
We are forthnate to have a dedicated organist and leader of the ohoir. Lisa Atherton, and the choir
members who enhance th¢ Sunday morning worship every week.
The seasons are acknowledged by the leaders who bring the weekly Lectionary readings routinely to our
listeners.
The weekly half-hour Thursday ShOP￿r,$ Service allows ￿ time to pause during the busy week as
leaders present their thoughts and reflections to the listeners. 25 - 30+ people regularly attend this service
along with the Mini-seasonal seryices that we hold throughout the year. The attenders ar¢ ask¢d to choose
the hymns for the mini-service5.
Once again we give thanks to all our leaders of Sunday and Thursday services who always deliver helpful
and me&ningful service5, along with the d¢dication of all our pianists and organists who accompany the
seryices with their dedication and beauti￿1 music.
Prayer
Our Prdyer Chain remains open to r¢ceive requests for prnyer for sithation5 FKrth within and beyond the
church family.
Mi&8ion Outreydch
We have continued our suptx)rt for The L£prosy Mission and Christian Aid. The retiring coll¢¢tion for
The Leprosy Mission on Easter Sunday 2024 raised £127.50 and SUPEK)rters within the church donated a
further £1,372 durin8 the year under review. Christian Aid Week in May 2023 rnised £781.34 and a
special retiring collection in October 2023 raised £250 for emergency relief work in Libya and Morocco.
Pastoral Care
During the past year we have seen Elizabeth Fleming's progression as she continues her training to
b¢¢om¢ a lay preacher. Her services are very movin& but a special mention must be made ab()ut the
baptism of Reuben Gregson which was so pery)nal, and Elizabeth's f￿st communion service.
W¢'ve seen our young family take part in church 5ervice5 which can only be encourdged, aDd a special
mention of Nevaeh's skating achievements.
We've had the wedding of Jordanna and Daniel Lunn conducted by Rev Janel which was a very joyous
occasion. We have seen the passing of much-loved church Membe￿ but also have had new members
joining us.
There are Still a good number of church membets who cannot join us for various reasons, but remain very
much part of our church family.

ST A￿￿E,￿ON-THE-SEA UNITED REFORMED CHURCH
CHARTfY NO 1128043
ELDERS. ANNUAL REPORT
FOR THE YEAR EIWED 30 APRIL 2024 (Continued)
Pastornl Cgre continued
Thank you to our ministers. ¢lders and pastoral visitot3 for your visits and phone calls. and also Rev Jim's
hospitsl visits, all of which are greatly appr¢¢iat¢d - along with the weekly home services prepared by
Rev Jim and Rev Janel.
We look forward again to the y¢ar ahead with faith and p)sitivity.
Safegu2rding
The definition of Safe8uardin8 which has been adoptrd by the church is 'the promotion of the safety and
welfare of ¢hildr¢n and adults who are ￿ risk of, or e￿rienCin& harm. abuse or neglect in all fornis.. At
St Anne's-on-sea URC we believe that abuse in any forni is unacceptable. and inconsistent with a
Christian way of living. Safeguarding is taken seriously at the church. where it is recognis¢d that w¢ all
have a responsibility to help prevent any fomi of abuse and neglect and to ensure th¢ wellbeing and
pastoral care of those who are. or may b¢, at risk.
During the year two safeguarding concerns were identified. These were dealt with by the Safeguarding
Co-ordinator with assistance from the relevant team at Synod. and it is believed that both matters have
been properly and adequately addressed.
The church's Safeguarding Policy was reviewed and re-adopted in the summ¢r. and approprial¢ training
was accessed by volunteers and helpers throughout the year.
Starfisbes
We commenced the Autumn season in September by registering twenty children under the age of four.
bul numbers quickly increased to the point where we had to start a waiting list. Our pmgramme of free
play until 10.15 am. followed by a¢tion song& ￿freshmentS and story time based on a Bible theme,
which is followed by a r¢lat¢d craft activity, seems to be welcomed by knth children and their parent or
carer.
The last meeting in July will con¢lud¢ with a picni¢ in th¢ church grounds, which is alway5 great fun. and
we say goodbye to those who will be starting school in SeptemiKr 2024.
It is a privilege to be a volunte¢r helper in this group. knowing we have been able offer a happy. safe and
caring environmenL supwTrrt and friendship to many fatllilies in this area in the ¢K¢ell¢nt fa¢ilities
provided by our ¢hurch. We are reaching out to the community in a positive way, demonstrating that the
church is there for them and its resources are available to everyon¢.
Me&¥y Chureh
Messy Church meets on the third Friday of the month during Temi time.
Our May 2023 session followed the nation wtth all the excitement of a Coronation of a Kin8 and the
th¢me of Ascension. En June our theme was Fatherfs Day and we finished our last session with a picnic on
the Church meadow lawn.
In July, Messy Church teamed up with Storfishes to create undersea worlds for St Anne's Carnival and
won First Pla¢¢ for their endeavours. Duritkg the summer break we encouraged our families to enjoy the
CFturch garden space and participate in Citizen Science wtth the Big Butterfly Count.
The start of the new academic year in September saw us celebrate Harvest Festival with the Flower and
Produce Prize being awarded to the best Show and Tell. Th¢ winner w&s awarded an Oc¢an Plastics
Trowel, which was made from'harvested, plastic from the seas around Scotland.

cHAR￿y NO 1128(H3
ELDERS, ANNUAL REPORT
FOR THE YEAR ENDED 30 APRIL 2024 (continued)
Messy Chureh (continued)
In O¢tob¢r our theme w&s light and the preciousness of it as the nights draw in. November was all about
remembering and December saw us getting creative with Adv¢nt ¢rnfts.
The New Year was all about New Starts ond encouraging our families to participate in the RSPB Big
Ggrden Birdwatch 2024. We are pleased to say the results are in and our Eco Church garden is a
wonderful habitat for most of th¢ birds listed in the top ten of the surY¢y. From New Starts we moved
onto deserts and the theTne of Lent in Febnjary. and in March we explored the Easter Story. Our April
session was all atM)ut Friends. llear and far, old and new.
All these sessions are supported by a dedicated set of voluntea3. who give their time and their skills,
which rang¢ from crdfts to culinary skills in the kitchen creating delicious meals that are enjoyed by all at
the end of the session. A huge thanks goes to Rev Janet for her time, her crafting skills and the font of
knowledge that she brings to ¢ach session. Thanks also have to go to the Fundraising teom and those
shopping on the EasyfundrdiSing webpage, the donations raised support Messy Church and other Cburch
groups.
Sunday Club
N¢va¢h, Zakary, and Betsy have enjoyed activities. fun and games while learning stortes about Jesus and
the Bible. Thanks aff due to Chris. Michelle and Joanne for all their help and companionship over a
'Cuppa and a Chat,.
Thursday Club
Afternoon tea at The Bedford Hotel in July 2023 enabled Thursday Club members and friends to meet
informally in th¢ summer months.
Regular fortnightly meetings began again in (ktober 2023 and ran until the end of March 2024. In this
p¢riod w¢ held 12 meetings with attendance5 ranging from 25 to 48. At least ha]f of those attending were
people from the wider community.
Th¢ varied progra￿ttLe included spiritual r¢flection8 M￿lc. and creative writing, aft illustrated tslk
about th¢ history of Fairhaven Lake. the work of the the National Coastwatch Institution at Rossall Poin(
a celebrdtion of the life of Robert Burns. experiences of travelling abroad, and life as a policewoman in
M¢rs¢ysid¢.
At the annual gen¢ral meeting of Thursday Club it was awd that a donati¢)n of £500 should be made to
church funds. Also, a committee of eight was fornied to plan the programm¢ for 2024- 2025.
Retiring Collectiolly
Retiring collections were taken during the year for Christian Ai(L Smile Trai￿ and the Leprosy Missio
Generous giving at these events, and throughout the year. realised much-needed supwjrt for these caus¢s.

ST ANNE'&ON.THE-SEA UNITED REFORMED CItURCH
CHARrrY NO I12￿3
ELDERS. ANNUAL REPORT
FOR THE YEAR ENDED 30 APRIL 2024 (continued)
Ecumenical Activiti&8
The church is a very active member of Chur¢h¢s Together in St Atu]e's. Representatives from the
different churches in th¢ town meet on a regular basis to discuss not only events and special times that
occur on the church calendar. but also within the town. Arrangements Are made for ways to celebrate
these in a manner that all ¢huwh¢s Cao particApat4 and also the general public.
The Pentecost Walk proved very wpular. Those tsking part met in Ashton Gardens and walked through
the park. singing as they w¢nt. Fly¢rs Were also handed OUL They ended their walk at St Anne's URC
where there was a serYi¢e outside, which drew in some people who were passing. This was followed by
tea & coffee ID tILe Hall where people had tim¢ io Chat.
We also took part in the St Anne's Carntval and procession, and won the Clifton Shield for our walking
float. We also had a stall in Ashton Gard¢ns with activities and inforniation. This year there was a go(Nl
turnout for the Go(xl Friday walk and service in the Square, where bystanders had the opportunty to
participate.
Earlier this year Rev Janet Calderley or8anised prayer stations at St Anne's URC for 'Thy Kingdom
Come, _ part of a global ￿llmen1¢￿1 prayer mov¢m¢nt. This was a special prayer activity day, which St
Anne's URC hosted for the other Churches in the town. Tea and coffee were provided, as this is a good
opportunity for people to get together and talk.
In the past. church members have visited the Islamic mosque in St Anne's and we hope to continue this
kind of vi51t with other faiths in the futur¢.
As we are always looking for ideas and ways to encournge people to come along to events and participate.
we would be very pleased to hear from you.
Maintenance Use ofBuildillgs
The church's Quinqu¢m)ial Surv¢y Report was received in Mayj the contents of Mthich Understandably
prompted a great deal of consideration and discussion by Elders and members alike. The extensive
r¢¢ommendations within th¢ report included those identified as requiring urgent attention. as well as those
to be addressed at later stages within the 5-year cycle. The scale of the work and the potential cost have
proved sobering.
Th¢ most significant imm¢diat¢ priority was id¢ntifJed a5 the complete replacement of th¢ roof to the
church hall. A great deal of time was spent in debating the most appropriate way of attending to this, ar
obtaining professional advice and estimates. It was agreed that remedial work should also be undertaken
as required to the church roof at the same time. Synod was persuaded that the remaining balance of our
Manse Fund might prowty k applied towards the cost of this work- bearing in mind the signifjcant use
of the hall and community roovn for our outreach activities. Members agreed that the balance of the cost
should be met from our own res¢rY¢& and work comm¢nc¢d in early April 2024.
A visit from our insureJ3' Underwriters in October identified a number of matters. all of which were
attended to in the following tnonths.
A surY¢y carried out at the r¢quest of NW Synod thankfvlly confirnied that there 15 no evidence of
reinforced autoclaved aerated Concrete {RAAC) in any of the buildings on sit¢.

ST Al￿E'&0N.TH￿EA UNITED REFORMED CItURCH
CHARTfY NO 1128043
EIJ)ERS' ANNUAL REPORT
FOR THE YEAR ENDED 30 APIUL 2024 {¢ontinued)
Maintenance and Use of Buildings continued
Other premises work throughout the year Includ￿..
Repair to the ¢ar park waIL after a section was knocked down by a car,
Repair of th¢ drainage and manhole in the car parl finally rkdding us of the small lake which
would annoyingly fomi after every spell of rain.
Repair to th¢ wrought iron gates of the church, following damage believed to have been caused
by a lorry.
Handrails fitted to the steps leading down to the ￿ller room and to the hall cellar.
Professional removal of all &sbestos containing material in the boiler room. and sealing off the
entranee to the undercroti
The buildings hav¢ additionally continued to require wbat might be t¢rn)¢d routine upkeep and
maintenance, wh¢ther brought abo￿ by damage {accidental or otherwise) or wear and tear caused by the
passage of time.
We ar¢ also continuing the process of examining options for the p)ssible fitting of solar panels. and
considering a more etTicient heating system in the church.
Lettings of the haIl, cottLtnunity room and church hav¢ been maintained at similar levels. and these
repttsent Ix)th a welcome source of income and an opportunity for meaningful en8a8¢m¢nt with many
sectors of the community.
Fulldrnising
We are still having successful events throU￿oUt out the year, also managing something every month. W¢
are very well supported for almost all of the events and it's gijod to see faTniliar faces coming through our
doors.
We commenced our year in May with a very successful Afternoon T¢& This was to ¢¢l¢brdte King
Charles. Coronation which had been held 2 days previously - a fantsstic numkr of peopl¢ helped us to
c¢l¢brat¢ this event including our Friends from the White Church. One of our members baked a special
cak¢, w¢ had a qui4 a raffle. entertainment from our organis4 a superb to plus some people were able to
take home some extra cake and g(x)di¢s to enjoy at home.
In June we held another of our ￿pular Table Top Sales. again a full wmplement of tables. lots of buzz
and chatter. July saw us host a very successfijl B￿k and Jigsaw Fair lo include CDS and DVDS,
something we hadn't itLcluded for a number of Yea￿ which prov¢d very wpular indeed. August we held a
Summer Musical Afternoon in our Church, at which our Organ, Grand Piano & Wurlitzer were used. plus
a superb playing by a saxophonist- a great afternoon of music and thoroughly enjoyed by our audience.
September saw us host a Harvest Coffee Morning. and on Sunday following Harvest Worship we held a
Jacob's Join Lunch -
lovely get-tog¢th¢r for everyone. We had donation jars dotted around and the
proceed5 went to Water Aid. as did our ￿tIring collection at the end of the service. Also in September we
held another of our popular Ct7P( Fairs, very well supported and a full hall of tsbles. In October we held
another Table Top Sale. again with a lot of people hiriDg tables, lots of people coming through our doots.
November our Hug¢ Christmas Fair. By way of a change we invited som¢ outsiders to take part.
mainly Crafters. and At was hugely successful. We hope this will be repeated next Christmas, when it also
coincides with our tr>wn Christmas lights being switched on. In early December we had a wncert in
Church given by our lo￿1 Shanty Crew. They were excellent and hav¢ a gcd following, they work hard
for the R.N.L.l. a very worthwhile charity. and we were privileged to have them with us. Nearer to
Chrislmas we held a Coffee Morning with a few Christhiassy goods to sell. another good session.
io.

ST ANNE'&ON-THE4EA UNTTED REFORMED CHURCH
CHARTTY NO 1128043
ELDERS, A￿l￿AL REPORT
FOR THE YEAR ENDED 30 APRJL 2024 (continued)
Fundraising (colltinued)
We commenced 2024 with one of our Table Top Sales in January - again a full complement of tables in
the hall and enjoyed by everyone. February was an Aft¢rncM)n Tea with entertaintnent and a quiz. very
well attended. The entertainrnent was Karaoke-style to include a singalong as well. March was another of
our p)pular Craft Fairs with a full hall with lovely things to browse and buy. something for ¢v¢ryon¢.
Coming to the end of the year we had our very popular Fashion Show - eight mi)dels wearing lovely
clothes, thoughts of warmer weather to come. On¢¢ again the hall was full and som¢ of the ladies went
home with either a raffle prize or a 8aTment they had purcbased from the show.
At all of these events we s¢rv¢ ref￿shments of varying type5. The team in the kttchen do a fantastic job.
keeping everybody happy with f(K>d and a constant supply of fras. ¢off¢es or cold drinks. We already
have a number of knokings in the pipeline for our next year events.
Financial revie7Y
From a financial point of view. this has been the fith of two exceptioknal years in which the church is
inc￿[ng significant expenditure in resP￿t of ￿PlaCement of the hall roo[and various'rèpairs to the roof
of the church itself. As a consequen¢e. th¢ financial figures are. somewhat 'skewed by virtue of
additional expenditure and also realisation of funds to apply towards those expenses.
During the year to April 2024 the Church's total inwme was £135,184. and expenditure totalled
£140,868 - a deficitloverspend of £5.684. Once th¢ extraordinary fuwicial transa¢tions in r¢spect of the
roof are removed. however. this indicales that the 'nom)al' financial affair5 of the church during the year
resulted in a surplus of £14.084. Stgnificant additional costs were incurred - primarily the expense of
retnoval of asbestos from the ChU￿h boiler room. a rise in our M&M ci)ntribution. and in¢reased utility
charges. Thankfully members and others r¢sp)nded w0nde￿IlY to the challenges. leading to increased
support Trn the forn) of regular giving and donations. Thi5 generosity. coupled with a sizeabl¢ reclaim for
Gift Aid payments. has resulted in the very welcome surplus which goes som¢ way to offset ihe deficit
declared in recent years.
Prill¢ipal funding sources for tbe year under review
Donations and gifts, some of which attract a benefit from Gift Aid. The other primary sources
r fundraising and lettings.
Investment policy
Aside frotn retaining a prudent amount in res¢rY¢ each year. the Church's funds are to k spent in
the short term so there are no funds for long tern) investment. The exception is the Mccappin
restricted fund which can be spent only on repairs and renewals anl usually, when no other fwids
are available" and any gift which ¢an only be spent authorised by the doThor.
Reserves policy
As the church relies principally on voluntary contributions which are unable to b¢ anticipated
with any greai d¢gree of accuracy. the Church's w)licy on reserves needs to be flexible. The
current FK)licy on reserves stales that the Elders will hold reserves which are sufficient to meet
short term liabilities and pla¢¢ r¢s¢rves in a range of ￿cOunts to generate income and growth.

ST ANNE'&ON.THE-SEA uNrrED REFORMED CHURCH
CHARITY NO 1128043
EU)ERS' ANNUAL REPORT
FOR ThE YEAR El￿ED 30 APRIL 2024 (continued)
Objeetives for the year 2￿2￿2025
The following objectives were prop5ed at the May 2024 MembeTS' meeting..
To continue to maintain a vibrdnt. worshipping church and community hub in St Anne's as part
of the Lancashire West Mi&sional Partnership
To continue io build on our ecumenical relationship5-
To rnise awareness of ecological issues, acknowledging our silver award a5 an ecovcongregation;
To engage io wider mi￿]0￿ with other communities and in other countries
Approved and sÈgned on behalf of the Elders
Chwch Secretary ....
Date .
(L
12.

ST ANNE'￿1¥.THE.sEA iJNITED REFORMED CHURCH
CHAiirrY NO 1128043
srATEMENf OF ELDERS, RESPONSIBIL￿IEs
FOR THE YEAR ENDED 30 APRIL 2024
Charity Law requires the Elders to prepare accounts that give a true and fair view of the state of the
Church and of its income and expenditure for th¢ financial year.
En doing so. the Elders are required to:
sel￿t suitable accounting policTes and then apply them consistently
make judgements and estimates that are rcasonable and prudenL
state whether applicable accounting standards and Stat￿nents of recoJnffleDded pwtice have been
followed. subject to any departtires disclosed and explained in the accounts; and
prepare the accounts on the going concern basis unless it is inappropriate to presume that the Church
will continue in operation.
The Elders are reS[￿)nSIble for matntaining accounting records which disclose, with reasoThabl¢
accuracy at any time, th¢ financial position of the Church to enable them to ensure that the accounts
comply with the Charities Act 2011, the Ch￿ItIeS (Accounts and Reports) Regulations 2008. They ar¢
also responsible for safeguarding the assets of the Church and hence for laking reasonable Steps for the
prevention and detection of fraud and other iEregularities.
13.

INDEPENDENT EXAMINER'S REPORT TO
THE ELDERS OF ST A￿NE,￿oN.THE-sEA ifNITED REFORMED CHURCH
CHARITY NO 1128043
We report on the financial statements of St Anne's-on-th¢-S¢a United Refonned Church for the year
ended 30 April 2024, which are set out on pages 15 to 22.
Respective Responsibilities of Elders and Examiners
The Church Elders consider that an audit is not WUiTed for this y¢ar (under section 144 of the Charities
Act 2011 {the Charities Act). and that an ind¢pendent examination is needed.
It is our responsibility to:
examine the accounts {under section 145 of the Charities Act).
to follow the procedures laid down in the General Directions given by the Charity Commission
(under section 145(5Kb) of the Charities Act). and
to state whether particular matt¢rs have come to our attention.
Basis of Independent E￿mIner'S Statement
Our examination w&$ Ca￿led out in accordance with General Directions given by th¢ Charity
Commission. An ¢xamtnation includes a review of the accounting records kq)t by the ChU￿h and a
comparison of the accounts presented with those records. It also includes considerntion of any unusual
items or disclosures in the accounts, and seeking explanations from the Elders ¢on¢¢rning any su¢h
matters. The procedures undertaken do not provide all the evidence that would be required in an audit.
and consequently no opinion 15 given as to whether th¢ a¢wunts p￿sent a "tsw¢ and fair" view and the
report is limited to those matters set out in the statement below.
Independent Examiner's Ststement
In the Course of our examinatio￿ no m&rt¢r has come to our attentio
which gives us reasonable cause to ￿lieve th8L in any material resFrtL the Eldets have not met
the requir¢m¢nts to ¢nsur¢ that:
proper accounting records are kept (in ac¢ordan¢e with section 130 of th¢ Charities Act)" and
counts are prepared which agree with the aeeounting records and comply with the
accounting requirements of the Charities Act" or
to whicK in our Opinio￿ attention should be drawn in order to ¢nabl¢ a proFr underslanding of
the accounts to be reached.
Johll Potter & Harriso
Chartered Accountants
1121114 Whitega¢e Drive
Blackpool
FY3 9XH
01'Zc7
14.

ST ANNE'&ON-THE.SEA uNrrED REFORMED CHURCH
CHARTfY NO 11281H3
RECEIvfs AND PAYMENfs AccoINr
FOR THK YEAR ENDED 30 APRIL 2024
Year
ended
30.424
To¢al
Funds
Year
ellded
30.4.23
Total
Funds
Ullrestri¢ted
FuDds
Restricted
Gelleral Roof Fund Fullds
No¢es
Receipts
R¢¢¢ipts from g¢n¢rat¢d funds:
Investment income Manse Fund
1.861
1,861
787
Voluntary Income:
Personal giving
Donations
73,817
8.442
73,817
8,442
42,779
5,458
Activities for generating
funds:
Fundraising
Lettings
Cornerstonelvodaphone
Other
10,695
11.330
23.120
5,919
10,695
11.330
23,120
5,919
9,061
9,785
15,435
3,296
Total Receipts
133.323
1.861
135.184
86.601
Payments
Charitable activities
Governance costs
52.535
66.704
35
52.570
88.298
50.863
40.516
21,594
Totsl Payments
119.239
21.594
35
140.868
91.379
Net IPayments}IReceipts
14.084
(19.733)
(35}
(5,684) (4,778)
Trnllsfers
Reconciliation of Funds
14,084
(19,733)
(35)
(5,684) (4,778)
Total funds brought forward
102.813
79.536
32.868
215,217 219.995
Total funds c¥4rried forward
16.897
59,803
32.833
209,533 215,217
15.

ST ANNE'&0N.TI￿EA UNrrED REFORMED CHURCH
CHARrrY NO 1128043
STATEMENT OF ASSETS AND LIABILTrtES
AS AT 30 APRIL 2024
Y￿r
ended
30.4.24
Total
Fuuds
Year
ended
30.4.23
Tolal
FuDd$
Unreslrieted
Funds
Restricted
Gelleral Roof Fund Funds
Notes
Flxed A8sets
Investments
95.000
95.000 95.000
Total ￿￿ed A&qets
95,000
95,000 95,000
CurreD¢ Assets
Cash at bank
Cash in hand
Manse fund
21.779
118
59.803
32.833 114.415
118
40.587
94
79.536
Total Currellt Assets
21.897
59.803
32,833 114.533 120.217
Total Lyet Assets
116.897
59.803
32.833 209.533 215.217
The Funds of the Church:
Restricted Income Fund
- Mccappin account
-Gift
31,661
1.172
31,661
1,172
31,661
1,207
Unrestricted Income Fuuds
Telefonica 02
General and bequest account
Subsidiary accounts
10.000
103.341
3.556
10.000
10.000
163,144 170.370
3.556
1.979
io
59,803
Total Chur¢h Funds
116.897
59.803
32,833 209,533 215,217
Appn)ved b be Elders on ..
..And signed on their behalf by:"
. Elder
16.

ST ANNE'S-ON.THE.SEA UNITED REFORMED CHURCH
CHARITY NO 1128043
NOTES TO THE ACCOIJNrs
FOR TEtE YEAR ENDED 30 APRIL 2024
Aceounting Poli¢i¢s
(a)
Basis of Prwation
The financtal statements have been prepared under the receipts and payments basis in
accordance with. and pemiitted by, Section 145 of the Charities Act 2011.
(b)
Fwids Structure of Receipts
The Church receives fijnds from the following sources:
donations. personal givtng and related tax claims for donations under Gift Aid.
fundrnising net of any attributable cost.
lettings, this relates to any income ￿¢¢IVed from outside organisations who hav¢
used the faciliti￿ of the ChU￿h hall and annexe.
l¢ga¢i¢s'
investment income which relates to interest from bank deposits and income fund
units.
Restricted funds are fimds which are to be us¢d in a¢cordanc¢ with specific restrictions
imp)sed by the donor. There are two restricted funds. a legacy from the Misses
Mccappin. which is restricted to expenditure on repairs and renewals, nornially when
there are no other funds available and gifts which are restricied ¢0 expenditure approved
by the donor.
Unrestricted ￿ndS comprise those funds which the Elders are free to use for any purpose
in furtherance of the Church's objectives. unrestrict￿ ￿ndS include designated fimds
where the Elder4 at their discretion. hav¢ creat¢d a ￿nd for a specific purpose.
The Manse Fund represents funds the church is entitled to followtng the transfer of the
Manse to the Synod. It 15 unrestricted and available as a designated fund. The church
can claim on this for use in its ministy and mission.
Covid grant receipts from the Job Retention Scheme have ixen accounted for on a
receipts b&si5.
(c)
Payments
All expenditure is accounted for on an inwme and expenditure basis. inclusive of VAT
which cannot Ix recovered. and h&s been ¢lwified und¢r hthlings that aggregate all
costs related to that category.
Charitabl¢ activities: costs of the Church incurred in the delivery of its a¢tiviti¢s and
services"
Governance costs: costs associated with the general running of the Church as
opposed to those costs associated with direct Chureh activi¢i¢s.
17.

ST ANNE'&ON.TH&SEA UNrrED REFORMED CItURCH
CHARITY NO 1128043
NOTES TO THE ACCOUWTS
FOR THE YEAR ENDED 30 APRIL 2024
(continued)
Aecounting Policies {continued)
(d)
Tangible fixed assets
Leasehold Property:
The Trustee5 of the Church building arc th¢ United Refornied chU￿h North West Synod
Trust for purposes com)ected with St Anne's-on-the-sea United Refonned Church. 'The
manse building has iKen sold and following the introduction of the Syn(Ml Manse Scheme
a grant has been made availabl¢ kn the relevant churches from l March 2022.
Expenditure in¢urr¢d on the Church and manse is written off in the year it is tncurred.
(e)
Fixed asset investments
Investments are stated at historic cost.
(fj
Toxation
As part of the United Reformed Church, the Church is an ¢x¢¢pted charity within th¢
meaning of the Taxes Acts. Accordingly it is potentially exempt from taxation in respect
of income and capital gains receiv￿ to the extent that such income or gains are applied to
exclusively charitable purw>ses. No provision for taxation has been made in these
financial ststements.
(g)
Cash flow statement
The Church has taken advantage of the exemption in Financial Rel￿1n8 Standard No I
from producing a cash flow statement on the grounds that it is a small charity.
Inves¢ment In¢on)e
Year
ended
Year
ended
30.4.24
Total
30.4.23
Totsl
Manse fund interest
1,861
787
18.

ST ANNE'￿N-THE4EA uNrrED REFORMED CHURCH
CHARrrY NO 1128043
NOTES TO THE ACCOUNTS
FOR THE YEAR ENDED 30 APRIL 2024
(eontinued)
Receipts from Voluntary Income
Year
ended
30.4.24
Yefdr
euded
30.4.23
Personal giving
Freewill envelopes
Offertory Gift Aid
Offertory Non-Gift Aid- Sunday offerings
Offertory- Standing orders and gifts
Tax recovery
3.060
2.180
11.096
45.634
11,847
2,845
1,837
10,401
21,966
5,730
73.817
42.779
Donations- unrestricted
Thursday coffee
Sunday coffee
Thursday club
WeddingsFuneralslBaptisms
B￿kShelf
Chrislm&s cards
Commitment for lif¢
Retiring collection
Organ upkeep
1,270
1.278
500
1,171
1,329
500
600
82
140
35
1.271
45
3,299
1.000
loo
8.442
5.228
DonationslGrant- restricted
Specific donations
230
Re¢eipts from a¢¢ivit
Year
ended
30.4.24
Year
ended
30.423
Fundraising
Christmas Fair
Crdft Fair
Table Top sales
Other events
1.593
2,104
2,904
4,094
1,337
2.994
1.610
3.120
10.695
9,061
19.

ST ANNE.￿N.T￿E-sEA UNTTED REFORMED CIIURCH
NOTES TO THE ACCOUNTS
FOR THE YEAR ENDED 30 APRIL 2024
(Continued)
Receipts from activilies (eoDtiDued)
Year
ended
30.4.24
Year
ellded
30.4.23
Lettings
Hall
Community r(K)m
Food bank fuel
10,061
9,251
21
513
1,269
11.330
9,785
Other
Sthrfishas
Wami Hub
Subsidiary accou1￿ movement
1,342
1,439
1.400
457
1,577
5,919
3.296
Payments
Year
ended
30.4.24
Year
ended
30.4.23
Charitable activities- unrestricted
Ministry and mission
Pulpit supply
Minister training
Mustc in Church
Instrument upkeep
Music li¢¢tK¢s
Correspondence
Messy church
Copier
Post¢rs
Publications
Wann Hub
Retiring collections
B(KTrk of Remembrance
Other
Book allowance
38.164
1,587
36,828
1,089
3,000
4,980
829
445
22
98
322
452
669
416
1.117
5,462
1,224
480
278
163
633
331
495
3.299
60
109
250
524
52,535
50,791
Charhable ActiTrrylies- resti1ct￿]
Posters
35
72
20.

ST ANNE'&ON.THE.SEA UNrrED REFORMED CHURCH
CHARrrY NO 1128043
NOTES TO THE Accouwrs
FOR THE YEAR ENDED 30 APRIL 2024
(Continued)
Payments (continued)
Year
ended
30.4.24
Year
ended
30.4.23
Governall¢e c￿ts- unrestricted
A¢¢ountancy
Payroll charges
B￿kkeePIng
Water
Gas
El¢ctri¢ity
Insurance
Telephone
Pr¢mis¢s upkeep
Asbestos removal
Hall roof
Cl¢aninWCaretaker
Garden
900
150
1,152
1,121
7,103
13,178
9,855
407
6,488
10,680
21,594
13,737
1,933
840
1,056
767
5,495
5,171
9327
407
4,659
12,620
30
88298
40,516
Governance Costs- restricted
Church garden fund
Outreach
Fixed Asset Investments
Year
ended
30.424
Cost
ended
30.4.23
Cost
Quilter Cheviot- General and Telefonica
95.000
95,000
The net LKW)k cost of investtnents at the date of the accoullts, and the market value is a5 follows:.
Book
Value
Market
Value
General and Telefonica
134,866
95,000
21.

ST A￿NE,￿N.THE-sEA UNITED REFORMED CHURCH
CHARITY NO 1128043
NOTES TO THE ACCOUNTS
FOR THE YEAR ENTIED 30 APRIL 2024
(Continued)
MaJL8¢ Fund
Year
ended
30.4.24
Year
ended
30.4.23
anse Fund
79.536
This represents the value of the Manse Fund held by th¢ Syncd in ￿S￿￿¢t of the Church and is
availabl¢ to support the d¢v¢lopment of its mission and ministy.
C&sh at Bank
Y￿r
ended
30.4a4
Year
ended
30.423
C(￿OperatIve Current A¢￿￿ttt
Thursday Club Account
Flower Accounl
St Annes L£prosy Mi&8ion ProjeLt
110.941
1.435
38.669
1.179
682
57
l.372
114.415
40,587
Cash in Halld
Year
ended
30.424
Year
ended
30.4.23
Petty Cash
Thursday Club
Flowers
St Annes I￿rOsY Mission Project
36
33
36
25
l18
94
10. General and bequest a¢¢oun¢
Included wtthin th¢s¢ funds is a deSi￿ated fi￿d for minist¢r training with a balanc¢ at 30 April 2024
of £565.
22.