Parochial Church Council of St Mary the Virgin, Cuddington
ST MARY’S CHURCH PCC, CUDDINGTON, SURREY ANNUAL REPORT OF THE PAROCHIAL CHURCH COUNCIL FOR THE YEAR ENDED 31[ST ] DECEMBER 2025.
Administrative information
St Mary’s Church is situated in The Avenue, Worcester Park. It is part of the Diocese of Guildford within the Church of England. The correspondence address is The Parish Office, The Avenue, Worcester Park, Surrey KT4 7HL.
The Parochial Church Council (PCC) is registered with the Charity Commission under number 1128308.
PCC members who have served from 1[st] January 2025 until the date of this report was approved are:
| Incumbent: | The Rev'd Canon Dr. Joshva Raja | Chair | From July 2025 |
|---|---|---|---|
| Retired Priest: | The Rev'd John Richardson | Until August 2025 | |
| Canon Margaret Marsh | |||
| LLM (Reader): | Mr Jason Gray | ||
| Churchwardens: | Mr Dan Smithers | ||
| Mr Peter Harvey | |||
| Deanery | |||
| Representatives: | |||
| Mr Peter Harvey | |||
| Mr John Simon | |||
| Elected Members: | Mr Rodney Clarke | Vice Chair |
|
| Mr David Eames | Treasurer | ||
| Mrs Samantha O'Shea | |||
| Mrs Judith Peake | |||
| Mrs Daphne Richardson | |||
| Mrs Josephine Reynolds | |||
| Mrs Carolyn Harvey | |||
| Mr Shaun Potter | Until May 2025 | ||
| Mrs Jacqui Potter | |||
| Mrs Kate Nowak | |||
| Mr Michael Gittings | Until May 2025 | ||
| Mr Steven Robbins | |||
| Mrs Carla Botes | From May 2025 | ||
| Mrs Rona Michael | From May 2025 | ||
| Co-opted members: | Mrs Linda Charlton | ||
| Mrs Elena Hough |
Parochial Church Council of St Mary the Virgin, Cuddington
Structure, governance, and management.
The method of appointment of PCC members is set out in the Church Representation Rules. All Church attendees are encouraged to register on the Electoral Roll and stand for election to the PCC. On 9[th] July 2025 the investiture took place for St Mary’s new vicar, the Rev’d Canon Dr Joshva Raja.
Objectives and Activities
St Mary’s PCC has the responsibility of co-operating with the incumbent in promoting, in the ecclesiastical parish, the whole mission of the Church, pastoral, evangelistic, social, spiritual, and ecumenical.
Achievements and Performance
There are 103 parishioners on the Church Electoral Roll. Throughout the year, services continued to be delivered via Zoom for those unable to attend the church in person. Regular Sunday attendance averaged 66 while additional services, principally at the great festivals, brought the annual average up to 70.
During the year, 5 funeral services were held and there was 1 internment of ashes, and there were baptisms of 18 children.
Financial Review
St Mary’s funds increased by £9,084 in 2025, before the unrealized losses on the investments held in the Greenfield and Leverton Funds of £1,872. This resulted in a net increase in total funds of £7,212.
General Fund
The General Fund had a surplus of £2,971 in the year. This was greatly helped by a Gift Day held at the end of November.
Designated Funds
The Bequests and Donations Fund benefitted from the receipt two legacies totaling £10,000 in the year. A new Heating & Net Zero designated fund was established in the year.
Restricted Funds
Restricted Funds reduced by £8,683 in the year. £2,525 of investment income was received. £9,613 was spent installing a humidifier and swell motor for the organ, £1,504 on organ and piano tuning and general music support. £91 was spent on lighting repairs in the Leverton Room.
Reserves Policy
It is PCC policy to maintain a balance on free reserves (net current assets) which equates to at least six months’ unrestricted payments. This amounts to £68,543. It is held to smooth out fluctuations in cash flow and to meet emergencies. The balance of free reserves at year end was £177,609, held on unrestricted (including designated) funds.
Investments
It is PCC policy to invest cash, which is surplus to day-to-day requirements, with the Church of England Deposit Fund (administered by CCLA).
I would like to thank Malcolm Coffey, our Independent Examiner, for his efficient and thorough review of the accounts, and his advice and comments. The Independent Examiner’s Report, together with the accounts below, form part of the report filed with the Charity Commission and may be viewed on their website. Many thanks again to Jacqui Hooper for counting and banking our collections and other receipts each week. Thanks also to John Simon for taking on the responsibility of Planned Giving Scheme administrator from Colin & Jacqui Hooper.
David Eames, Treasurer
Parochial Church Council of St Mary the Virgin, Cuddington
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Incoming Resources (£157,377)
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Other Giving (incl Tax)
£36,215 Hall Lettings £20,550
Weddings etc.£572
Fundraising income
£6,029
Investment Income
£6,761
Catering,books £688
Planned Giving (incl
Tax) £83,922 Sundry £1,023
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Resources Expended (£148,293)
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Mission & Evangelism Fundraising Costs £106
£343
Sundry Costs £7,280
Trading Costs (inc. Hall)
Stipends Quota
£15,765
£59,180
Church Running Costs
£30,704
Ministry Costs £6,566
Other Parish Share
£28,269
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Parochial Church Council of St Mary the Virgin, Cuddington
STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2025
| Incoming Resources Notes _ Income from generated funds Voluntary Income 2a Activities for Fundraising 2b Income from investments 2c Church Activities 2d Other Incoming Resources 2e Total Incoming Resource Resources Expended Cost of Generating Funds Fundraising Trading 3a Church Activities 3b Other Resources Expended 3c Total Resources used Net Incoming Resources Before Transfers Transfers between Funds 8 Net Incoming Resources After Transfers (Loss)/ Gains on Investments 4 Net Movement of Funds Total Funds b/fwd 1 Jan 8 Total Funds c/fwd 31 Dec 8 |
Unrestricted General Designated _ _ £ £ 110,137 10,000 6,029 - 1,058 4,796 21,810 - 1,023 - 140,057 14,796 0 186 - 132,158 - 4,742 - 137,086 - 2,971 14,796 - - 2,971 14,796 - - 2,971 14,796 35,824 124,018 38,795 138,814 |
Restricted Endowment _ _ £ £ 0 - 0 - 2,525 - - - - - 2,525 - 0 0 - - 11,208 - - - 11,208 - (8,683) - - - (8,683) - - (1,872) (8,683) (1,872) 37,975 46,845 29,292 44,973 |
2025 2024 _ _ £ £ 120,137 113,779 6,029 6,294 8,379 8,024 21,810 25,469 1,023 642 |
|---|---|---|---|
| 157,378 154,208 |
|||
| 186 106 143,366 136,419 4,742 21,736 |
|||
| 148,294 158,261 |
|||
| 9,084 (4,053) - - |
|||
| 9,084 (4,053) (1,872) 1,049 |
|||
| 7,212 (3,004) 244,662 247,666 |
|||
| 251,874 244,662 |
Parochlal Church Councll of St Mary the Vlrgln, Cuddlngton BALANCE SHEEf AS AT 31 DECEMBER 2025 Notes 2025 2024 Flxed Assets Inv•stm•nts 44.973 46.845 Current Asset8 Bank and Cash B•lanc•s Sundry D•btors 196.286 12.669 191.981 8,898 Curmnt Llabllltles Sundry CredStorn 12,054} (3,0621 N•t A••o1• 251.874 244,662 Th• Funds of th• Charlty Unrestrlctèd Funds - General Unrestrl¢t•d Funds - D•slgnated R•strlet¢d Funds End¢wment Funds 38,795 138,814 29.292 44,973 35,824 124,018 37,975 46.845 Total Funds 251,874 244.862 Appmved by the PCC.. Chalr Date.. >
NOTES TO THE FINANCIAL STATEMENTS (continued)
For the year ending 31st DECEMBER 2025
| 2 Incoming Resources 2a Voluntary Income Gift Aided Planned Giving Other Planned Giving Collections at Services All other giving (inc Gift Day) All Tax Recovered through Gift Aid Legacies and grants received 2b Activities For Fundraising Fundraising Events 2c Income from Investments Dividends Interest 2d Church Activities Wedding & Funeral Fees Wedding & Funeral Additional Items Church Hall Lettings Fees Catering income, sale of books 2e Other Incoming resources Insurance Claims & Sundry Income Incoming Resources Total |
2025 2024 Unrestricted Designated Restricted Endowment Total Total Funds Funds Funds Funds Funds Funds £ £ £ £ £ £ 65,014 - - - 65,014 64,173 2,472 - - - 2,472 3,435 3,339 - - - 3,339 2,772 19,460 - - - 19,460 20,131 19,852 - - - 19,852 21,268 - 10,000 - - 10,000 2,000 |
|---|---|
| 110,137 10,000 0 - 120,137 113,779 |
|
| 6,029 - - - 6,029 6,294 |
|
| 6,029 - - - 6,029 6,294 |
|
| - - 1,302 - 1,302 1,271 1,058 4,796 1,223 - 7,077 6,753 |
|
| 1,058 4,796 2,525 - 8,379 8,024 |
|
| 2025 2024 Unrestricted Designated Restricted Endowment Total Total Funds Funds Funds Funds Funds Funds £ £ £ £ £ £ 472 - - - 472 1,625 100 - - - 100 944 20,550 - - - 20,550 22,063 688 - - - 688 837 |
|
| 21,810 - - - 21,810 25,469 |
|
| 1,023 - - - 1,023 642 |
|
| 1,023 - - - 1,023 642 |
|
| 140,057 14,796 2,525 - 157,378 154,208 |
NOTES TO THE FINANCIAL STATEMENTS (continued)
For the year ending 31st DECEMBER 2025
| 3 Resources Expended 3a Fundraising trading Fundraising Costs 3b Church Activities Mission Giving Stipends Quota Ministry Parish Share Parish office salaries etc. Ministry Expenses Evangelism (inc work with young people) Church Running Expenses - Building & Assets Church Running Expenses - Parish Office Church Running Expenses - Provision of Services Church Running Expenses - Grounds Church Utility Bills Trading Costs (incl. Hall) Catering, books, etc. Sundry 3c Other Resources Expended Building work Vacancy costs Resources Expended Total |
2025 2024 Unrestricted Designated Restricted Endowment Total Total Funds Funds Funds Funds Funds Funds £ £ £ £ £ £ 186 - - - 186 106 |
|---|---|
| 186 - - - 186 106 |
|
| 343 - - - 343 0 59,180 - - - 59,180 68,445 28,269 - - - 28,269 25,538 5,273 - - - 5,273 7,128 1,293 - - - 1,293 514 - - - - 0 19 5,802 - - - 5,802 6,409 2,581 - - - 2,581 2,299 5,617 - 11,117 - 16,734 7,714 164 - - - 164 423 5,423 - - - 5,423 4,152 15,675 - 91 - 15,766 10,441 331 - - - 331 209 2,207 - - - 2,207 3,128 |
|
| 132,158 - 11,208 - 143,366 136,419 |
|
| - - - - - 19,650 4,742 - - - 4,742 2,086 |
|
| 4,742 - - - 4,742 21,736 |
|
| 137,086 - 11,208 - 148,294 158,261 |
NOTES TO THE FINANCIAL STATEMENTS (continued) For the year ending 31st DECEMBER 2025
4 Investments
Investments comprise shares held in the CBF Church of England Investment Fund and represent the principal of the Greenfield Legacy Fund and the Leverton Fund (note 8). These are Endowment funds
£
| Balance on 1st January 2025 Deficit on revaluation Balance on 31st December 2025 5 Bank and Cash Balances National Westminster Bank Short Term Deposits Petty Cash 6 Sundry Debtors Income Tax Recoverable Other 7 Sundry Creditors Accounts Payable Agency Collections |
46,845 (1,872) 44,973 2025 £ 38,884 157,257 145 196,286 2025 £ 7,669 5,000 12,669 2025 £ 737 1,317 2,054 |
2024 £ 41,404 150,448 129 |
|---|---|---|
| 191,981 | ||
| 2024 £ 8,898 - |
||
| 8,898 | ||
| 2024 £ 1,373 1,689 |
||
| 3,062 |
NOTES TO THE FINANCIAL STATEMENTS (continued) For the year ending 31st DECEMBER 2025
Funds of the Charity
| Unrestricted Funds: General Fund Designated - Bequests & Donations Fund - Heating& Net Zero Restricted Funds: Restricted - Greenfield Fund - Organ and General Music Fund - Spiritual Development Fund - Leverton Room Endowment Funds: Greenfield Leverton Total Funds |
01/01/25 Incoming Resources Gains/(losses) Transfers 31/12/25 Resources Expended on Investments £ £ £ £ £ £ 35,824 140,057 (137,086) - 38,795 124,018 14,796 - - (20,000) 118,814 - - - - 20,000 20,000 |
|---|---|
| 159,842 154,853 (137,086) - - 177,609 |
|
| 16,502 1,452 - - 17,954 14,229 350 (11,117) - - 3,462 3,621 131 - - 3,752 3,623 592 (91) - - 4,124 |
|
| 37,975 2,525 (11,208) 0 0 29,292 |
|
| 30,406 - - (1,215) - 29,191 16,439 - - (657) - 15,782 |
|
| 46,845 - - (1,872) - 44,973 |
|
| 244,662 157,378 (148,294) (1,872) - 251,874 |
Designated Fund
The Bequests Fund holds any legacies or larger donations that are received where no specific conditions have been laid down for their use. Funds are transferred to other funds when required and authorized by the PCC.
The Heating & Net Zero Fund was created a at the end of 2025 to provide funds for the improvement in the church heating system and to fund the movement to a net zero emissions goal.
.
Restricted Funds
The Greenfield Fund was set up when a former churchwarden donated a capital sum to generate income for the maintenance of his gifts to the church, namely the West Window, the two most westerly windows in the South Wall and the Lych-gate. It derives its income from the dividends on the capital sum invested as the Greenfield Legacy Fund.
NOTES TO THE FINANCIAL STATEMENTS (continued)
For the year ending 31st DECEMBER 2025
The Organ and General Music Fund (previously The Music Development Fund) was created in 1996 by the renaming of the Organ and Choir Fund, which had previously been reported as part of the Bequests and Donations Designated Fund and is to be used to meet the needs of the choir and music in general. Following a successful appeal for funds for the repair of the organ, this fund was renamed and will be used for all aspects and requirements for church music.
The Spiritual Development Fund was set up in October 2014 on receipt of donations specifically for the promotion of individual and group spiritual development, particularly outside of the parish. It will be used to help individuals to meet the cost of their spiritual development .
The Leverton Room Fund was set up in 2015 following the receipt of a £10,000 legacy from Peter Leverton. The income from the legacy is used to maintain the Leverton Room.
9 Related Party Transactions
There were no related party transactions in 2025.
.
Independent Examiner's Report to the PCC of St. Mary, The Virgln, Cuddington I report on the accounls for the year ended 31 December 2025. which are sel out on the preceding 8 pages. Resp8ctlve responsibilitles of the PCC and the Examiner The charity's trustees are responsible for the preparation of the accounts. The charity's Iruslees consider that an audit is not required for this year under section 144{21 of the Charities Act 2011 (the Charities Acll and that an independent examination is needed. 11 is my re8ponsibilily lo.. Examine the accounls under section 145 of the Charities Acl-. lo follow the procedures laid down in the general Directions given by the Charity Commission under section 14515llb) of the Charitses ACL and to state whetlw any matters have come to my attention Basls ot thè Independent Examlnerfs SLitement My examination was Carried out in accordance wilh the general Diredions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from the Injstees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequenlty no opinion is given as to whether the accounts present a Yrue and fair view, and the report is limited to those matters set out in the statemenl below. Independent Examlnerfs Statement In connection with my examination, no matter has come lo my allention.. which gives me reasonable Cause lo believe that in. any material respect, the requirements: to keep accounting records in accordance with section 130 of the Charities Act, and to pr8pare accounts which accord the accounting Tecord3 and comply with the accounting qUirementS of the Charities Act have not been met.. or to vlhich, in my opinion. attention should be drawn, to enable a proper understanding of the accounts to be reached. 121 Mr. D Malcolm Coffey 15 Auriol Park Road Worcester Park Surrey i(r4 7DP Siyned: 2*JL