## **URC of St Andrew & St George, Bolton** 

## **Annual report.** 

United Reformed Church of St Andrew & St George, Bolton, is a member of the United Reformed Church and is a member of the Bolton and Salford Missional Partnership.  The Partnership and the Church are led by a 2 full-time ministers (who joined the Partnership in 2024) and one part-time minister.  At St Andrew & St George there are 6 serving elders who support the ministers and act as the managing trustees of the Church. 

The Church operates from a large building on St George’s Road, Bolton, housing a worship area and several other rooms.  The Sunday morning service is open to everyone who wishes to attend the service.  The Church actively seeks to make its rooms available to community groups for their meetings and activities.  Several such rooms are made permanently available to a group which supports adults with mental health problems.  A shop within the premises is used permanently by a Fairtrade shop. 

The Church has a close working relationship with Bolton Methodist Mission, which is based at Victoria Hall in Bolton. 

At January 2025, there were 29 members of the Church and several active adherents.  This is 2 less than the previous year.  A high standard of worship continues at the Church, together with other activities. 

The financial statements of the Church for the year to 30/9/24 show a net loss of £29,279 after all expenses.  The total net assets at 30/9/24 were £206,661. (This does not include any buildings used by the Church).  Adequate reserves are held for future possible major costs. 

## SIGNED ON BEHALF OT THE ELDERS/MANAGING TRUSTEES. 

By Jill Edisbury. (Joint Secretary). 

July 2025. 



ST ANDREW & ST GEORGE UNITED REFORMED CHURCH CHARI
FINANCIAL STATEMENTS
TO
30 SEPTEMBER 2024
CONTENTS
statem8m of Finarrial Acbirilpa8
Balance sheet
Notes to the Financkql Statements
Finan￿ Commttlaa Conveftofs Statement
Indeppndent Examinerfs Report
The regi$tered number of the ab)ve Charity is 1128389. The Chaiity wrnprise5 the assets and lund5 h8
forehwiEatJe purwses by THE UNITED REFORMED CHURCH OF ST ANDREW & ST GEORGE
Page O

ST ANDREW & 8T GEORGE UNITED REFORMED CHURCH CHARITY
STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENOED 30 SEPTEMBER 2024
Unrestslcted Funth R8•tr*￿ TOTAL
G•n8r&l 0881goat￿ Futtd¥ 2023124
TOTAL
IPKOIIING RESOURCES
ncoming r￿0￿￿CeS from gener8tod funds..
vol￿￿1¥ry incoma
A¢tivitie$ for generating fvnds
IovÈ5tmeni incwe
rotal Incoming r880Lsf¢•8
29.162
55.437
7.119
91,718
1.873
31,035
S5,437
7,119
32.083
56,312
91.877
RESOURCES EXPENDED
URC funds
Costs of church acti￿tte5
Donatsons
rotal r960uruw oxyhd8d
18,854
97.593
18,654
lo1￿5)
2.363
122,870
22,206
92.010
2.905
4.260
490
4,750
1.873
1,873
116,247
4ot 4ncomlng I loutgothgl rn8OU
>Dkne trdnBfor8
1131141
P4.5291
14.7501
129,2791
125.2441
JMSS traMfer8 bètween fund
173 and 141
20.0
et mov9montln fund8
14,5291 124.75Ql
1293791
125,2441
rotsl funda bllwd 1 1)¢tob•r 2023
17.322
195.095
23.523
2e1,184
rc*altund¥ cllwd JO $9pt•mb•r2024
12 793 £ 170.345 £ 23,523 e
23S.940
(Note 131 INote 14) IN¢>te 151
rhe nctss on pages 3 to 8 frJtTll P8rt Df theser￿and￿ $tstsments
Page I

IT ANDREW 8 ST GEORGE UNITED REFORMED CHURCH CHARITY
aALANCE SHEET
S AT 30 SEPTEMBER 2024
Unr8strl¢tad Fund8 R•Gtrktod
G8noral Dosignatèd Fund*
TOYAL
2023124
TOTAL
IXÈDASSETS
r8ngible assets
nvesbnentS
660
660
-URREMT ASSETS
3ank. Ga5h and dèw5its
)ebtors
10
8,185
10,191
15.356
170,345
24.673
20D,1e3
10.191
210,374
232.557
6.741
239,298
170.345
24.6n
-URRElIt LIABILlnE9
reditors payable within or* year
12
13.2231
143731
14,0181
MEf CURRENT As$Ers
12,133
170.345
23,523
20S.QO1
235.280
roTAL NEfA88Ers
12.793 £ 170,245 £ 23,523 £
206,661
235 940
THE FUNDS OF THE CHARITY
Llnre51rthd fvnds..
Genpral
Designated
Total
13
14
12,793
42,793
170yS
I￿,138
17.322
195.095
212.417
170,345
ReStn¢￿ funds
15
23.523
23A23
23,523
12.793 £ 170,345 £
23,523 £
2C6,661
235,940
4PPROVED by the ¢huroh Meeting hdd Onl6￿ 2U25
nd sign*J on its b&h8W by
Thè tth$ on page5 3 to 8 form psrt ofthpse finanoa statamwts
Page 2

ST ANDREW & ST GEORGE UNITED REFORMED CHURCH CHARrrY
NOTES TO THE FINANCIAL STATEhlENTS
FOR THE YEAR ENDED 30 SEPTEMBER 2024
GENERAL NOTE
On 30th NOV￿thr 2008, the Church M*iing ofthe LInit￿l Reformed Church of St Andrew & St George
lthe'church'l agreed that, in accord8nce wrth the requiremen15 of the Ch8rities Act2006. a charity cèlled
'SIAndrew & StGegrge Uniled Reformed Church Ch2tiV Ilhe'charity'l bg set UP cOMpr￿e all th
assets arKI fvnds held for tharit8bie purposes by the Church.11 also agreed Ihatthe Membe￿ ofthe
E￿[5. Meètiw of the Chutch should be ¢ollecliv8ty Ihe Charity Trusteeg oftro Chanty. On 4th M8rch 21]09,
thè Charlty was registered with the Charity CommtS$K)nets. registe￿ nUm￿r 1128389. Thes6 *counts
ofthÈ Charity refiÈctthe act￿11￿$ oftha Church du￿n9 the finanaal yw.
I ACCOUNTING POLIGIES
la 8a&is of Accountlng
The fjn8nci81 staternents have been prepared in accordanGe wth the Statement of ReBommanded P¥scVoe.'
Ateounting and Reporting by Charilvas ISORP 20151 issued by the Charty Cotnmlssl￿ and the Untied
Re[0[rn￿ Church guidance. The accruals basi% of accounting has been adopted. and the principal
a¢¢ounbng pdicEs sat trut bdoware £ppl￿d consistenity.
Ib Fund Ac¢ountthg
Unre$lricted funds are avaIla￿e for tsse a¢th6 di6¢retion of Ihe chutch M fvrth*ance of its charttatAe oblectDies.
RestriGted ￿ndS are tt> ￿[C￿On¥ en thwr expenditure kTWSed bythe domr, orca)tsined in the
tenns of a gwt.
Ic Tanglble FlxBd A¥s•ts
Fvtehold prO￿rtY. tha custodian Iruslèes ofth8 churd) buiN4ing8 are the URC (North-western P￿NCe)
Twsl Ltd
Expenditur8 InCU￿ad on th8 ¢hurch i$vrritten off in the year it ￿ in￿rred.
FurTritur0 and equipment: deFKeciaffion 15 provId￿J atannual r*es ¢acul8ted to writ8 offassets ow3 to
10 years. dependent on the estimated u5eftJl lives of the assets ¢onc£m•J.
Expendiluro undèr£5.000 land am 2xpenditure out of dÈsvJnsted fund$l rs ￿[Itren off in Iheyear it is Ir￿Ur￿l.
Id Incomlny R&80Urtq
All voluntarygmng, includirrfj1￿aC￿. 1$ Ind￿lett in the finamal 8tatern8nts forth8 perh￿ in which Iti¥ receN8d.
Tax r8¢0¥eB￿@ from donatrons under GiftAKI in respect of the tax yearto 5th A￿￿4 is re¢cgni5ed a8 iftcomo in
the fina￿al year to the folbwiny 30th September.
All other irwme is gerwlty recogni4ed whgn It ￿ reCe￿ab￿.
lè Rgsotsrcos Eyndgd
The URC Mini$ty & Mk%5ion Fund centnbution is pa￿ by twdve monihly in*lments and 1$ Inclu￿ the
ffnancial stat&m8nls for the year lo wh¢h it rel•tss
Resour*$ expended are rec09n1s￿ in period in wh￿h they are hcurred and include atthbulable VAT
wh￿h c8llnot be ￿0Vered. They are alk￿ated to Ihe partKularaclivty to which th8y reLgte
As most of the rnanagementaThJ aclr¢ity of Iht church is carrigd out by volunteer¥, this iTriangib￿ cost is
not Includ￿ in t1￿ financrdl statem*ts as this vohJntarycontrd)utiw to the ￿te of the church is incaculablè.
If Taxation
Th8 ¢harty i8 Sthnllawy exemptfiDm taxation in rÈ&r*ct of incom8 and cap￿tal gains re￿ived to th&
ientthal Such income or gains are applEd to èxrlusN•ly charIta￿e purposes. No provL%ion for taxab
been made in Ihese finanual stat￿nents.
Page 3

ST ANDREW & ST GEORGE UNITED REFORMED CHURCH CHARITY
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 SEPTEMBER 2024
continu8d
Unrow¢l8d Furmls Restricted
G•nfrTal De8lgI￿ted Fun¢8
TOTAL
2ty23124
TOTAL
202W23
2 VOLU14T*RY INCOMÈ
Direct gmng".
Envdope and (Erect offeriros
Weekty offeiing rlate
Tax reftjnds underGnl Aid
22,469
1.705
4,788
28,962
200
22,146
2.129
1.705
4,788
28,962
200
qM05
68
Donations and189ac￿&
Commlknentfor Lrfe
Other voluntary Income
30,753
585
700
1,805
e8
1.873
29.1e2
32.083
3 ACTIv￿lEs FOR GÈNERATING FUNDS
Lethngs- ¢hurch wo￿rt￿$
55,437
55.437
$5
56,312
4 IIWESTAIENT INCO¥E
Bank and derositG
Ofher investyr8nts
7.101
18
7,119
7,101
18
3.465
17
S URC FUND5
'nistry& Mission Fund
18.854
18.654
22.206
The chur¢h mthes contribulons to the centrÈl M & M Fund based on a per ¢8pita aS$8ssme￿1 Setby the
North-Wes18ynod. The fund is used lor tranlng and sts"pendBryeosts of ministers. wnning the denomination
and the wrder Inr5￿On of thè national church.
Page 4

ST ATrIDREW & ST GEORGE UNITED REFORMED CHURCH CHARITY
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 SEpfEIIJBER 2024
CA)ntinued
Unrqsfthtsd Fund8
Goneral Dts￿nat0d Funds
TOTAL
2023124
TOTAL
2022f23
8 COST8 OF ¢HURCHACTivrriES
Worshlp •xpBn$86.'
Wisib'ng preachers
Ofganisl's fees
Organlpiano rapairs and mu8
Edi￿a￿Onal and worship matsria
1,16D
1,040
1,994
882
5.07e
1.140
1,120
1,5
1,104
4.B84
882
5,076
Admlni&tr•tion otc.:
Printng, stalion8ry and postaJe
IhLscelkneous
c0mmurwcal￿S
217
252
872
1.341
217
232
872
265
ie1
568
Proporty eXP8n8* '.
Wage5 8nd fees
Cle8ning and ￿￿t￿laneouS expenses
Heal, Iighl and water
Insur3nc&
Repars and maintenarKe-Oe￿r8I
34,652
2,767
35.832
9,809
8.116
91.176
34.652
2.767
36.832
33,919
3.463
3Q,162
B.516
10.102
e6.162
4.260
4.260
12,376
gSA36
97.593
4,280
1QI 8S3
92,010
7 DONATIONS
Mfidwwork Furyl
0mm￿tfor Lrfe
Other
2,160
700
45
2.905
1,805
e8
1.873
490
2.363
Note A proporbon of prOpertY8¥￿nges
{S￿￿fi in notge above) i￿l￿de costs
whlch are attributable to general￿n
of fvnd8 Ihrtsugh the letting of property.
but It k4 notconsidered feasible to
arrwe al an accurate appothnmenl of
suGh costs.
Page 5

ST ANDREW & ST GEORGE UNITED REFORMED CHURCH CI4ARIT
NOTES TO THE FINANCIAL STATEhlENTS
FOR THE YEAR ENDED 30 SEPTEMBER 2024
- continued
unrests*t￿ Funds Rotstrlcw
Gpngr41 De¥iBnated Funds
TOTAL
2023124
TOTAL
2022123
B TANGIBLE ASSErs
Church buildin9S- Trot￿[￿d
Fumilure and equipment- fulty depreaated
9 INVES7MENrs
Ch8rinco Cowmon Inve$tment Sch&r
£200 3.5% Nvcr SNp C*al Debenture StrKk
520
140
fAO
520
140
e60
140
10 BANK, CASH ANrJ OEPO8rrs
Bank curtenl acceunl
Bank d8pDSttacC￿nlS
Deposlts
Cash
5.115
14,158
10.515
19,273
96,115
745
35,791
114.556
82.160
85,600
84,746
5.165
170.345
24,673
232 5S7
11 DEBTORS
AFnDunts owed iotht thanty
Prepayments
4,440
5.751
1,563
5,178
6.741
5,751
10.191
12 ¢REDffORS PAYABLE wrrHN 1 YEAR
Amounts awed by Ihe charity
Ir￿Qme in adwdn
12,7711
452
3.223
11.1501
13.9211
1452
4.3731
12.9061
1.150
4,018
Page 6

ST ANDREW & ST GEORGE UNITED REFORMED CHURCH CHARITY
MOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 30 SEPTEMBER 2024
continuad
TOTAL
2023124
TOTAL
202¥23
13 GEMERAL FUND
Ba￿nce as at 1110123
Nel incoming resources for ytar before tran818rs
T￿nsfer$ fro￿ D8sign*d Funds as at 3019f24
B8L9n¢• as al 3019r24
17,322
124.5291
20,0
12.793
34.276
116,9541
17.322
' lotsl for21)23r24 88 perstatemonl of Financial Athths (Pa￿ 11
14 OESIGPIATED FUNDS
Charity 0￿rateS thefolbwSn9 Da*gnated Fund$".
FiKed Asset RepL8¢emwtt Flmd IFARI- thk8 fund wa5 set up out ofth8 Genera Fund arKJ it i8 intsnded
to mÈetthe T8p￿ement cctsts of rnaiorfixed *sets such as thurch ¢h8ir¥ and caTp8ts
M4or Repairs Fund IMRFI- thls fund is e8tabllshed to meet signfft8nt impravement and maintsnanTr c¢8ts
of Iht church but￿lft9￿, orgBn and aud￿ and wdeo equipmentetc. The fund reTrw85 transfer5 from Ihe
General Fund at approved by Church Meeting as￿11 as (k)natK)ns for thi$ Specific pur￿Se.
Mis*on- this fund is Èstablish&1 ty the grant r8c¥ved from SyrKKI following trdnsfer ofthg m8n6e.
Tho SU99estK)n by Synod is thgt rt b& used for mission ill aN its many fotrns.
Whlerwork Fund (WWFI- thks fvnd makets contributi)ns to Char[tab￿ causes as agreed tyth2thurch meeting.
Thefund retswes transf*s from the General Fund at levels also appro¥ed by thechurch meetlng.
Movements on the Oe5Erngled Funds duriTrg th6 yearwere..
FAR
MRF
MIS￿
WWF
TOTAL
2023r24
TOTAL
2022123
Baknce5 35 at 1110r23
20.0
.002
81,851
3.242
195.095
203.385
Transfer bet￿n luDds
Expendrture
DOr￿l￿nS
' Nel iwmlwloutgoingl resource5
14.2601
14901
14.7501
18.3751
85
18,2901
I4.￿)}
14901
14,7501
TM$fe￿ to Gener81 Fund et 3019124
120.OWI
120.0001
ealances as 8130I9r24
65,742
170,346
195,095
' totrd for2023tt4 36 perStatwn8nl of Finan￿ai Adwites Ipage 11
Page 7

ST ANDREW & ST GEORGE UNITED REFORMED CHURCH CHARITY
NOTES TO THE FINANCIAL STATENIEPITS
FOR THE YE4R ENDED 30 SEPTEAIBER 2024
contnued
TOTAL
202W24
TOTAL
2022123
15 REST￿cTED FUNDS
Trust Fund5
23
23.523
During the course of the year, Cha￿ty operates Restricted Funds where the monies ¢8n only be used
forlhe $pecfft putP05e for which they were enlru5ted to the Charity. These (wn￿8 are notavaiL4ble ftyany other
purpose. The printtipal such fund is Comfflilment for Lpfe. whereby church tneTnbers and adherents makèdonations
whiGh ale sent the URC central office Addititsnalty th8 church or ts organisalions occasionally mace appea13
or hold events to rase funds spe¢ilically forexternal projects or charibes. The pr￿eedS of 5u¢h fiJnd$ have all been
accDunled ford￿￿￿9 the course of the year.
The Charity hobjs 17 tNsl totslling £23.523 wh￿h were taken over from predecessor chur¢hes.
Vory littte is known aboutthe terms ol the trusts. but 8LThe of thetn are aelieved to Corttain ￿stritiOnS on their
use. In th& sb$¢nce of further infomiation, the trust funds are shown as Resthcleo Fulld5 on thè Charity's balance
sheet. In aword8ncevrilh established prncti* o¥er many year$. Income from the tmsl funds is ciedited tt>
G2ner81 Fund.
Page 8

"ST ANDREW & ST GEORGE UNITED REFORMED CFIURCH CHARITY
FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 SEPTEMBER 2024
FIPIANCE COMkllTfEE CONVENOR'S STATEMENT
I h8v6 prep8rtd the financial statements on page5 1 to 8 for the yearended 30 SeptÈmbèr2024
JDhn SwarsbriGk
$vJneJ
dal8
INDEpeNDETr￿ EjAMINE￿s REPORY
I rewrt on the financlal stalenTr8nts Oft￿ St Andrew & &. Gecrye Unilf%J Reformed Church Charity for the year
ended 30 Septemb8r 2024, wh￿h are get out on pa9es I to 8.
R88PÈCtlv¢ Re&po￿(bl1￿a$
The Charity is responsible for the preparat￿n of the fin2ncial st*ments. and considers Ih8tthe audit requir•nant
Df section 43121 of the ChaFilies Act 1993 (the Act) not apply. 11 is my responsibility to state, on Ihe basis of
procorfurps spècthed in the General Direction$ gNen by the Charity Commissioners under Sect￿n 4317llbl ol the
AG( wheUwp3rtscU￿[ matters have come to my attentson.
Bas1$ of Ind0p&nd8ot ExaMi￿ts Rewrt
My Èxarnination vras tairred out in accor(lancevAth the G8neral Direction5 ofthe Cha￿ty Comml$$ionap An
exsmination Includes 8 review of the accounting recor(Ss kept by the Chaiity and a comparison of the a¢¢ounts
presented With those reGords. It also include5 ¢onsider¥bon of any unusual itÈms ord¥closure$ in the
statements. and seeking explan*ions ¢on¢eming a￿Y such tnatters. The pri)cedures undertaken do not provide all
thè evKlen¢8 thatwould be reouired in an au(lil. and conseouÈnlW I do notexpre5s an au¢itopinK)n on the view
glven ty the finan¢pal statements.
Irbdependent ExamlntrV£ Statement
lrt connect￿ll ￿th my examination of the Ch8riVs funds, nothing cTr b my attenbm ￿1¢h 9av8 me Truse to bdiÈve
Dtherwise than thst the fin8￿ClaI State￿￿nIS &cord With the a¢￿u￿tI￿g records of the ChaTity, and that those words
58tisfied the r8ouiremenl$ of the Act l am notawaw ofany matter lo attention should be drawn in order to
en8bk 8 properunderstsndlng oftha financ&81 statements to bfr re3Ghed.
Signed by the Independtrnt Examiner
date
Nameand addre55 ofth8 Indepen(fenl Extmin¥'.
Cross￿Y &
Chartew Accountsnts
52 Chortoy Now Rogd
B￿10
BL14AP
Page 9

ST AI40REW & ST GEORGE UNtrED REFORMED CHURCH CHARITY
FINANCIAL STATEAIENTS FOR THE YEAR ENDED 30 SEPTEMBER 2024
FINANCE cohiiirrTEE COPIVENOWS STATEIIENT
I have prepared the financwl 5tstements on page3 1 to8forthe year ended 30 September2024
John SwaT¥brLk
s￿red
INDEPENDENT EXAPAINER'S REPORT
I report on thefinanG&al statements of the Sl. Andrthv & St George Unitad Re[cYm￿ Church Ch*ity foF the year
nded 30 September 2024. whth afe Sel outon pages 1 to 8.
R88Wtlve RetspoTrBÈbilEtie¥
Ttte cfvarity is respollsible ft>rthe preparat￿n of the financial statements. and considers tFotth8 audit requiremert
of section 43121 of Ihe Charities Act 1993 (the Act) does not appty. It is my resronsibilty to slate. on the b8sL% of
woCedu￿> spetified in the General Directions gNen bythg Charity commissioners under Section 4317llbl of the
ACL whether p8rbcukr matters have come to my attention.
BaJl& of lrtdepend&nt ExamlnoVs Report
y Ex8minaiion was cairièd wt in ￿Gor￿anc0 ￿ryth th8 G8n8r81 Directions of the Charty CommosN)ners.
axamination inGludes 3 rewewof the ￿￿Un￿n￿ records kept by the Chanty and a comparisoTr of the accounts
p￿ented with those records. It also includes consKSeratson of any Jnvsu¥l it$m$ or disclosures In thef￿ancIal
laiements, seeking ex￿ana1￿)rts ¢onc6ming 8ny Such fflatters. The wcedures under&ken (fo not provbje dl
e ewden¢e that w)uld be required in an audit, and conspquenty I do Dol exptt¥s an audit opinion on the view
9Kven by thofinanoa Staigmenls.
Ind•wndent Examineri Slatsmont
In connection with ry examinabon ofthe Charity'5 funds, nothing cameto my attention whlch gave me cause to tÉlleve
olheilfvise than that the fjnarfial stslements accord thè aGGounling record8 of the Charity. and Ih8tlhose records
saknsfied the ￿qUirements of the Act l am not aware of 8ny matterto which attention Shou￿ be drawn in order lo
enable a proper understanding gf the financ181 stslements to be reached.
Signed by the Indewdenl Examiner
date
Name and address of th& Independent Examiner..
Crossley & Davi$
Chartere(S Accountsnts
52 ¢hDrfey New Road
Bolton
BL14AP
16