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2021-09-30-accounts

COMPANY REGISTRATION NUMBER: 6829106 CHARITY REGISTRATION NUMBER: 1128500

All Nations Church, Bedford Company Limited by Guarantee Financial Statements 30 September 2021

COLLETT HULANCE ACCOUNTANTS LIMITED

Chartered Certified Accountants & statutory auditor 40 Kimbolton Road Bedford MK40 2NR

All Nations Church, Bedford

Company Limited by Guarantee

Financial Statements

Year ended 30 September 2021

Page
Trustees' annual report (incorporating the director's report) 1
Independent auditor's report to the members 11
Statement of financial activities (including income and
expenditure account) 15
Statement of financial position 16
Statement of cash flows 17
Notes to the financial statements 18

All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report)

Year ended 30 September 2021

The trustees, who are also the directors for the purposes of company law, present their report and the financial statements of the charity for the year ended 30 September 2021.

Reference and administrative details

Registered charity name All Nations Church, Bedford Charity registration number 1128500 Company registration number 6829106 Principal office and registered Church Centre office 79 Brickhill Drive Bedford MK41 7QF The trustees Richard Green Matthew Dent Paul Dowling Ian Riches Heather Lampard (Resigned 3 June 2021) Andrew Ekuban (Appointed 24 June 2021) Simon McCrossan (Appointed 24 June 2021) Chantelle Aladewolu (Appointed 24 June 2021) Custodian trustee (for the church property) The Baptist Union Corporation Limited Baptist House PO Box 44 129 Broadway Didcot OX11 8RT Auditor Collett Hulance Accountants Limited Chartered Certified Accountants & statutory auditor 40 Kimbolton Road Bedford MK40 2NR Solicitors HCB Solicitors Graylaw House 21 Goldington Road Bedford MK40 3JY

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All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

Structure, governance and management

Governing document

All Nations Church, Bedford is a company limited by guarantee, incorporated as Brickhill Baptist Church on 24 February 2009 and registered as a charity on 11 March 2009. Brickhill Baptist Church, Bedford changed its name to All Nations Church, Bedford on 27 June 2013. The church previously operated as an ‘excepted’ and unincorporated charity under the trusteeship of The Baptist Union Corporation Limited which is a registered charity and continues to be custodian trustee for the church property at 79 Brickhill Drive. The company was established by a Memorandum of Association, which established the objects and powers of the charitable company and is governed under its Articles of Association. In the event of the company being wound up members are required to contribute an amount not exceeding £1.

Appointment of Responsible Individuals and Elders

The Church is governed by its responsible individuals who are appointed according to the Articles of Association. The individuals are closely involved in the church's operations and held regular meetings during the reporting period ended 30th September 2021. Elders are recognised by the congregation for the spiritual direction of the church, and these elders together with other people in leadership are appointed as Trustees as required. Day to day management is delegated to a team of senior staff and volunteer ministry leaders. At specific times during the year midweek church prayer meetings are open to all members and attenders. Visitors and guests are welcome.

Trustees

The responsible individuals and elders, who are directors for the purpose of company law and trustees for the purpose of charity law, who served during the period and up to the date of this report are set out on page 1.

Trustees induction and training

Responsible Individuals and Elders are closely involved in the church’s operations prior to appointment and are appointed according to their ability to lead the church and the skills they bring to the post. Existing Responsible Individuals, Elders and new appointees have a good knowledge of the operation of the Church prior to appointment. New appointees are supported in their posts by existing appointees. New appointees are also provided with copies of the Memorandum and Articles of Association, latest financial statements and guidance from the Charity Commission, including the Charity Commission guide ‘The Essential Trustee’.

Pay policy for senior staff

The key management personnel comprise the directors/trustees (elders), the operations director/trustee and the church leaders. Key management personnel remuneration is disclosed in note 11 to the accounts and includes remuneration paid to 3 trustees under their contracts of employment, in accordance with the provisions of Clause 6 of the Company’s Articles of Association. The pay of key management personnel is reviewed annually and normally increased in accordance with average earnings. In view of the nature of the charity this is benchmarked against other similar organisations.

Risk management

The trustees have assessed the major risks to which the church is exposed, in particular those relating to the operations and finances of the church. A detailed analysis of income and expenditure is provided to all trustees every month with the opportunity to raise questions at regular leadership team meetings. The trustees are satisfied that systems are in place to mitigate their exposure to major risk.

2

All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

Objectives and activities

Aims and objectives

The church’s purposes as more fully set out in the objects which form part of the memorandum of association are:

Statement on public benefit

The Trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing the Church’s aims and objectives and in planning future activities.

Strategic report

The following sections for achievements and performance and financial review form the strategic report of the charity.

3

All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

Achievements and performance

The Church is a member of the Baptist Union and Evangelical Alliance, and operates within the Catalyst Network in association with Newfrontiers.

A pre-school has been operating within the Church building for over 40 years, with an outstanding report following the most recent Ofsted inspection. The pre-school continues to enjoy a very good reputation, and is known for excellent help to those children with additional needs. The results of this activity are disclosed in note 20 to these financial statements.

The Grove Pregnancy Advice Centre incorporated as a ministry of All Nations Church is based in a separate property at 118 Brickhill Drive. The Grove continues to serve specific needs including support for pregnant mothers and helping those in the first year of birth. The Grove is open to all the community and is staffed by one All Nations Church employee supported by volunteers from elsewhere as well as members of All Nations Church.

We record our appreciation to members of the public and to other churches who continue to support The Grove Pregnancy Advice Centre as well as other organisations serving the community, including the Bedford Foodbank, the Bedford Street Angels who operate in the town centre at weekends, and Open the Book who make Bible drama presentations to schools.

The South site established in September 2013 with Sunday meetings at Bedford Academy on Mile Road was closed due to Covid restrictions however midweek meetings were held online and combined with the North Site for online Sunday services. Contact with those in the South continued by email, telephone, doorstep visits, and online gatherings.

The Church membership was revised during the year so that there were 246 members at the close.

Premises and facilities

The Baptist Union Corporation Limited, which is a registered charity, continues to be custodian trustee for All Nations church centre at 79 Brickhill Drive MK41 7QF. The other building owned by All Nations church, occupied and used by The Grove Pregnancy Advice Centre, is situated at 118 Brickhill Drive MK41 7QN.

Church report

Covid brought a massive readjustment to Sunday services and our in-person meetings. We quickly transferred our worship and gatherings online and this has been a lifeline to the hundreds who connect with us as a church family. Over this period, we have invested in livestreaming technology, which has enabled us to stream our meetings across various social media platforms. We are frequently joined online from many across our nation and the nations.

From March 2021, Sunday services commenced in person at our Brickhill building in accordance with government guidelines and have steadily built up in numbers as restrictions have been eased. We have continued to use livestreaming alongside this and continue to invite people back in person for small groups, prayer meetings etc. We have seen the blessing of many new people come and worship with us, both online and in person. From August 2021 we began our children's ministries once more, running Children's Church on Sundays, and a combination of Youth, and Toddler groups during the week, all in line with Government guidelines. It has been a joy to see this growing steadily. It is worth noting that our Pre-school continued to operate in person during the whole period of lockdown.

We have also had the joy of welcoming new staff members into the team and this has proved a real source of strength and encouragement to the church over these testing months of Covid and

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All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

lockdown. Covid has also afforded us fresh opportunities for evangelism and mission, and we continue to use "Open Air" Church on local greens around Bedford to share the Good News with our neighbours. We have also begun regular street work and evangelism that is bearing fruit. We give thanks for God's faithfulness and provision over this period.

It has not proved possible to continue meeting in Bedford Academy for Sunday Worship. Presently that congregation is joining us in person in Brickhill, online, or meeting in smaller gatherings. We are praying for God's leading over our mission and ministry in this part of Bedford.

Church membership

There were 269 members recorded at the start of the year, and during the year 6 new members were added by baptism. When the membership list was revised there were 246 active members, not including many regular attenders each Sunday.

The Church Centre

The church centre at 79 Brickhill Drive is the registered office of All Nations church, a charitable company limited by guarantee. The majority of the staff team are based in the first-floor offices, and the building houses the congregation every Sunday, as well as numerous activities throughout the week including the Pre-school. The main rooms are available for specific wider community activities such as one of the Bedford Foodbank distribution centres, other charity meetings, and as a polling station on election days. All the main rooms are readily accessible to wheelchair users and parents with pushchairs, including a baby changing room and a toilet designed for wheelchair access. The building is normally open to members of the community throughout the week for activities such as coffee mornings and for bringing donations in support of the homeless, and Bedford Foodbank.

The South Site

Due to the challenges of the year it was decided that running another congregation at South while still trying to gather the church back as a whole was beyond our practical means for the time being. Several Sundays were put aside as gatherings for the South members at Scott Hall, including two open air Sunday lunch meetings. These produced numbers of around 20-25 with mostly the same people attending. Our conclusion from this was that it would have been too much of a challenge to try and put on a Sunday morning event together in the same way we were doing pre Covid. This was mainly down to a lack of leaders and servers in several areas, although financial constraints alongside this were also a very real consideration. It felt right at the time that our priorities had to be bringing people back together as 'one church' in one place, to re-group and hear again what God was calling us back into.

With the options during 2021 to gather back together both in the room at our Church Centre, and on our live stream platform, it felt we were giving people opportunities to come and participate back into the life of the church.

Group events and activities

During the part of the year when Covid-19 restrictions allowed, midweek activities were held at the Church Centre in addition to the regular Sunday morning services attended by an average of 240 adults plus youth and children. We serve children and families through many activities open to those in the church and the community such as weekly Toddler Groups, Mums and New Babies Group, Toddlers for Dads Group and a Kids’ Club for school years 2-6. The Pre-School consistently rated good or better by Ofsted is also run in the Church Centre.

Other midweek events included a specific Fellowship for all those over 55 open to members of the community as well as church members, Girls' Brigade, a weekly Food Bank distribution centre, and a monthly Coffee Morning for the community which collects donations every month for other charities

5

All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

took place only as Covid-19 restrictions allowed. All Nations en Español, a monthly service for the Spanish speaking community normally held at the Church Centre continued online throughout the period.

Midweek groups meeting mainly in members' homes during the evenings or at the church centre during the day previously known as 'growth groups' and re-launched as 'Connect Groups' have been operating for many years and continued online where possible during Covid-19 restrictions.

Response to the pandemic

Following each national lockdown some groups ceased to operate, while others continued with online activities. Most meetings had already ceased to happen in the Church Centre building, while online Sunday services drew an increasing attendance with the development of live streaming as well as both Facebook and YouTube platforms.

The Church Centre building remained open for personal prayer, filming of online activities, and available to individuals seeking help. Strict arrangements were made to follow Government guidelines, keeping numbers to a minimum, with one-way movements, keeping space, wearing face coverings and using hand sanitiser. When restrictions were partially lifted more activities took place in the Church Centre with socially distanced prayer meetings, weddings, and funerals.

During the year an initiative known as 'Pop-up Church' was developed and operated by staff and member volunteers and taken round the various green areas of Bedford on Sundays. This included worship songs and a short talk broadcast over a loudspeaker to be enjoyed by residents sitting in their front gardens or on the green.

Worship and prayer

All are welcome to attend our regular Sunday Services when in the building, and to watch and listen online. Both in the building and online Sunday services consist of a time of worship, a time to communicate relevant information and a sermon, with opportunity to receive prayer at any time in person or by telephone or email. We have teams of people to help welcome and integrate new people, and the building remained open to members of the community for personal prayer at every opportunity.

From July, a worship and communities pastor was appointed to oversee the spiritual and worship activities and to facilitate the building of a diverse multi-ethnic church family for the glory of God.

All Nations en Español

As part of our activities among the community, All Nations en Español aims to serve all members of our local community and is a way of expressing a welcoming heart to the immigrant, to exercise our faith for church growth and to serve the poor or lonely who are new in this country. This ministry was created to outreach, make disciples and to create opportunities for Hispanic/Latinos to genuinely access a pathway to sit at the table, as agents of transformation in our church, and the wider community, in the full establishment of God's Kingdom.

During the lockdown the work among the Spanish speaking community continued because the members have always been in contact, establishing a supporting network using every method available. More particularly this group have been a blessing in times of health crisis and grieving and helping one another with job finding. From January we started back our midweek online meetings and for the glory of God, they are back in person into our Sunday morning services.

The Grove Pregnancy Advice Centre

The Grove PAC based at 118 Brickhill Drive offers support to parents with unexpected pregnancy and following baby loss as well as families with babies in need of help. A pregnancy test service normally provided on request was suspended due to Covid-19. During the year there were 481 separate

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All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

telephone enquiries, and the Baby Loss Programme supported 15 clients a month on average.

When restrictions were imposed due to the pandemic most enquiries were dealt with by telephone, or online, and a screen was installed for essential individual consultations. 30 Crisis Pregnancy clients were supported during the year.

The Family Support section provides baby clothes and the loan of equipment to families in need from birth to one year across the Bedford borough and supported 20 families during the period. The services are delivered by one part-time paid employee with 10 volunteer advisers from other churches and members of the community. We are grateful for the practical support and donations from members of the community as well as members of All Nations Church.

Pastoral care

During the year we recognised the need to encourage people back into small groups, and this was given a strong emphasis with the introduction of 'Connect Groups'. Five new groups were started and some of those not attending groups have been encouraged to connect back in this way. We also introduced 'Missional Family Groups' made up of several Connect groups with a missional family pastor overseeing. These groups meet together every other month to share and have fellowship. We have also introduced Wednesday evening meetings for all the groups to gather for worship, prayer and encouragement.

Pastoral teams have been formed to cover and respond to the needs of the elderly and those in crisis or unable to attend Connect groups. Ongoing training for these teams are being planned.

Christmas hampers

Leading up to Christmas we provide food hampers for people in need in our community. During December 2020 we provided 866 family food hampers and individual food bags for those in hostels, reaching over 2,000 people in Bedford. We are grateful for the support of local schools, businesses and members of the community, as well as church members, enabling this project.

Children's work

For most of the year our children's work continued to be online because of the pandemic. The weekly broadcasts followed the theme for the adult church services and included worship songs, bible stories, games, hotspots and crafts. Craft materials were delivered to children each half term and children often sent in pictures of their creations to share on the weekly hot spots. We added in a short story time for Toddlers this year as we recognised that some of the youngest children found the main broadcast too long. In the summer term we started to re-open children's work in the room but continued with the weekly broadcasts alongside this as many children and families had not returned to church.

The Covid-19 restrictions and lock downs meant that New Mums and Babies, Toddlers and Toddlers for Dads did not run in the building. We continued with an online Toddler group on Zoom on a Wednesday afternoon with an opportunity for parents to chat to each other and join in with a singing session.

Kids' Club also continued on Zoom during all the restrictions and was regularly attended by a small group of children.

Pre-School continued to be open throughout the year to all children; all staff managed to adapt to the ever-changing guidelines and legislation. In the summer term, when Covid infection numbers were lower, we started to be able to have some visitors back in pre-school for face-to-face visits with children with additional needs. Once again transitions for school had to be handled in a different way

7

All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

and visits for new children were done in several small group visits. We had another member of staff qualify as an Early Years Teacher, and other staff completed a variety of training courses.

Youth work and young adults

Since the beginning of the pandemic, we have not been able to run face to face youth groups; initially we were able to meet as a group online however many parents said their children are not keen on video calls and find these not to be natural. This was the case particularly with the boys. The Youth leadership team continued to pray for all young people and develop plans for the future, and during the year an associate pastor was appointed to take responsibility for both youth work and young adults to facilitate this work.

Activities included a Churches Together event held at Woodside church including youth from Woodside and Kings Arms as well as All Nations. An outreach evening with Jonathan Conrathe as a visiting speaker and involving churches across Bedford was held as part of a church weekend. Youth on Sundays started to grow as a result of more families with young people returning back to church.

Overseas mission and support

Covid-19 has greatly restricted our physical ability to join with mission partners around the world, particularly in Africa and South America. However, through the blessing of modern communications, we have maintained strong links and have continued to support financially and through Zoom prayer meetings over this period. Our child sponsorship scheme in Malawi still continues to be a blessing to many children, and we have partnered with other churches to establish bore holes. Money has also been released to support the relief of suffering and starvation in Malawi, India and other nations such as South Africa and Tanzania. We hope that as Covid restrictions come to an end, travel will once again be possible to many of these nations.

Disclosure and barring service

Previously as an umbrella organisation All Nations Church handled DBS applications and disclosures on behalf of local churches and other organisations; however, when two of the larger churches started submitting applications online this was no longer viable. All Nations now submits DBS applications

through other umbrella organisations, however due to Covid-19 very few were processed during the year.

Staff salary remuneration team

The salary remuneration team consists of the non-executive directors and meets annually and as required to consider all aspects of salaries and benefits.

Future developments

Our prime goal this year continues to be to safely shepherd All Nations Church through the unprecedented challenges and pressures of a global pandemic, keeping our gaze firmly fixed on Jesus Christ, and seeing these times as opportunities for fresh endeavours of mission and community engagement. We realise that many of our existing ministries and outreach initiatives will need to be reset and possibly readjusted following the long-enforced lockdowns. However, our objectives still remain the same and we look to grow through reaching out to people of all ages, stages and backgrounds across our community. This will include Pregnancy Advice and Family Support; feeding and caring for the homeless; and working with Bedford Foodbank to ensure those in need are provided for.

In this reporting year, our second site in South Bedford at the Bedford Academy, as well as the community centres in Jubilee Park and Faraday Square, were unavailable for communal use and

8

All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

public worship. Our aim over this period of uncertainty is to establish small groups of connection and care that will serve as outposts of All Nations Church across our town, preparing the way for larger gatherings of worship and community service should such buildings become available to us again, alongside our building in North Bedford.

We will continue supporting overseas projects exploring new opportunities as they present themselves. The Eldership Team continues to prepare for growth with leadership development and new staffing appointments, and to build strong relationships across the town with other Bedford Churches. We continue to play our part in the Catalyst family of churches, exploring new apostolic relationships and supporting new churches.

Financial review

The financial statements reflect activities during the twelve months ended 30 September 2021. Presented alongside the financial statements for this period are the comparable amounts as reported in the accounts for the twelve-month period ended 30 September 2020.

Summary of Financial Performance

Total income for the year was £581,462. Total expenditure for the year was £577,278. The surplus for the year was £4,184.

At 30 September 2021 unrestricted reserves were £1,924,895 (2020: £1,892,170). These comprised £1,664,164 (2020: £1,662,609) in the capital fund; £86,600 (2020: £81,669) in the designated future fund and £174,131 (2020: £147,892) of general funds.

Restricted funds at 30 September 2021 amounted to £123,259 (2020: £151,800).

Investment Policy and Returns

The trustees have wide investment powers and the trust's investment policy is to invest the monies not immediately required for the primary purpose of the trust, in such investments as may be thought fit.

Reserves Policy

It is the trustees' policy to hold in unrestricted free reserves the equivalent of two months' general running costs (£128,000) together with an additional one month's salary costs (£36,000). It is also our policy to hold an amount sufficient to enable the church to meet its known commitments to beneficiaries both in the UK and abroad (i.e., the restricted fund balance of £123,259). The total required reserves of £287,259 at 30 September 2021 compares to £383,990 of 'free reserves' (i.e. net assets less tangible fixed assets) held at 30 September 2021.

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All Nations Church, Bedford

Company Limited by Guarantee

Trustees' Annual Report (Incorporating the Director's Report) (continued)

Year ended 30 September 2021

Trustees' responsibilities statement

The trustees, who are also directors for the purposes of company law, are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charitable company and the incoming resources and application of resources, including the income and expenditure, for that period.

In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Auditor

Each of the persons who is a trustee at the date of approval of this report confirms that:

The trustees' annual report and the strategic report were approved on 5 April 2022 and signed on behalf of the board of trustees by:

Richard Green Trustee

10

All Nations Church, Bedford

Company Limited by Guarantee

Independent Auditor's Report to the Members of All Nations Church, Bedford

Year ended 30 September 2021

Opinion

We have audited the financial statements of All Nations Church, Bedford (the 'charity') for the year ended 30 September 2021 which comprise the statement of financial activities (including income and expenditure account), statement of financial position, statement of cash flows and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

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All Nations Church, Bedford

Company Limited by Guarantee

Independent Auditor's Report to the Members of All Nations Church, Bedford (continued)

Year ended 30 September 2021

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The trustees are responsible for the other information. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charity and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees' report.

We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

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All Nations Church, Bedford

Company Limited by Guarantee

Independent Auditor's Report to the Members of All Nations Church, Bedford (continued)

Year ended 30 September 2021

Responsibilities of trustees

As explained more fully in the trustees' responsibilities statement, the trustees (who are also the directors for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

We obtained an understanding of the legal and regulatory framework applicable to the charity and how the charity is complying with that framework. We also enquired of management about their own identification and assessment of the risks of irregularities and reviewed the minutes of meetings of those charged with governance. We considered the susceptibility of the financial statements to material misstatement, including how fraud might occur and we obtained an understanding of the charity's current activities, the scope of its authorisation and the effectiveness of its control environment. These procedures are considered to be sufficient to identify material misstatements in respect of irregularities, including fraud, but cannot be relied upon to detect every potential misstatement.

As part of an audit in accordance with ISAs (UK), we exercise professional judgment and maintain professional scepticism throughout the audit. We also:

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All Nations Church, Bedford

Company Limited by Guarantee

Independent Auditor's Report to the Members of All Nations Church, Bedford (continued)

Year ended 30 September 2021

We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

Use of our report

This report is made solely to the charity's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charity's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity's members as a body, for our audit work, for this report, or for the opinions we have formed.

Andrew Robert Upton (Senior Statutory Auditor)

For and on behalf of Collett Hulance Accountants Limited Chartered Certified Accountants & statutory auditor 40 Kimbolton Road Bedford MK40 2NR

5 April 2022

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All Nations Church, Bedford

Company Limited by Guarantee

Statement of Financial Activities (including income and expenditure account)

Year ended 30 September 2021

2021 2020
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 5 415,257 50,168 465,425 548,869
Charitable activities 6 1,609 114,402 116,011 139,094
Investment income 7 22 4 26 660
-------------------------------- -------------------------------- -------------------------------- --------------------------------
Total income 416,888 164,574 581,462 688,623
================================ ================================ ================================ ================================
Expenditure
Expenditure on charitable activities 8,9 415,612 161,666 577,278 651,207
-------------------------------- -------------------------------- -------------------------------- --------------------------------
Total expenditure 415,612 161,666 577,278 651,207
================================ ================================ ================================ ================================
-------------------------------- -------------------------------- -------------------------------- --------------------------------
Net income 1,276 2,908 4,184 37,416
================================ ================================ ================================ ================================
Transfers between funds 31,449 (31,449)
-------------------------------- -------------------------------- -------------------------------- --------------------------------
Net movement in funds 32,725 (28,541) 4,184 37,416
Reconciliation of funds
Total funds brought forward 1,892,170 151,800 2,043,970 2,006,554
----------------------------------------- -------------------------------- ----------------------------------------- -----------------------------------------
Total funds carried forward 1,924,895 123,259 2,048,154 2,043,970
========================================= ================================ ========================================= =========================================

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 18 to 31 form part of these financial statements.

15

All Nations Church, Bedford

Company Limited by Guarantee (Company registration 06829106)

Statement of Financial Position

30 September 2021

2021 2020
Note £ £
Fixed assets
Tangible fixed assets 13 1,664,164 1,711,250
Current assets
Debtors 14 87,735 28,691
Cash at bank and in hand 345,318 364,667
-------------------------------- --------------------------------
433,053 393,358
Creditors: amounts falling due within one year 15 31,143 27,358
-------------------------------- --------------------------------
Net current assets 401,910 366,000
----------------------------------------- -----------------------------------------
Total assets less current liabilities 2,066,074 2,077,250
Creditors: amounts falling due after more than one year 16 17,920 33,280
----------------------------------------- -----------------------------------------
Net assets 2,048,154 2,043,970
========================================= =========================================
Funds of the charity
Restricted funds 123,259 151,800
Unrestricted funds 1,924,895 1,892,170
----------------------------------------- -----------------------------------------
Total charity funds 20 2,048,154
=========================================
2,043,970
=========================================

These financial statements were approved by the board of trustees and authorised for issue on 5 April 2022, and are signed on behalf of the board by:

Richard Green Trustee

The notes on pages 18 to 31 form part of these financial statements.

16

All Nations Church, Bedford

Company Limited by Guarantee

Statement of Cash Flows

Year ended 30 September 2021

2021 2020
£ £
Cash flows from operating activities
Net income 4,184 37,416
Adjustments for:
Depreciation of tangible fixed assets 51,286 31,303
Government grant income (8,241) (10,390)
Other interest receivable and similar income (26) (660)
Accrued expenses/(income) 2,737 (7,349)
Changes in:
Trade and other debtors (59,044) 2,128
Trade and other creditors 1,048 (1,443)
---------------------------- ----------------------------
Cash generated from operations (8,056) 51,005
Interest received 26 660
----------------------- ----------------------------
Net cash (used in)/from operating activities (8,030) 51,665
======================= ============================
Cash flows from investing activities
Purchase of tangible assets (4,200) (69,757)
----------------------- ----------------------------
Net cash used in investing activities (4,200) (69,757)
======================= ============================
Cash flows from financing activities
Government grant income 8,241 10,390
Payments of finance lease liabilities (15,360) 48,640
---------------------------- ----------------------------
Net cash (used in)/from financing activities (7,119) 59,030
============================ ============================
Net (decrease)/increase in cash and cash equivalents (19,349) 40,938
Cash and cash equivalents at beginning of year 364,667 323,729
-------------------------------- --------------------------------
Cash and cash equivalents at end of year 345,318 364,667
================================ ================================

The notes on pages 18 to 31 form part of these financial statements.

17

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements

Year ended 30 September 2021

1. General information

The charity is a public benefit entity and a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales. The address of the registered office is Church Centre, 79 Brickhill Drive, Bedford, MK41 7QF.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Companies Act 2006.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Significant judgements

There are no significant judgements (apart from those involving estimations) made by management.

Key sources of estimation uncertainty

Accounting estimates and assumptions are made concerning the future and, by their nature, will rarely equal the related actual outcome. The key assumptions and other sources of estimation uncertainty that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year are the rates of depreciation applied to tangible fixed assets. Tangible fixed assets are depreciated at the rates and amounts disclosed in these financial statements and are regarded by management as the most appropriate rates for the relevant categories of assets.

18

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

3. Accounting policies (continued)

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

19

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

3. Accounting policies (continued)

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except for the extent to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

20

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

3. Accounting policies (continued)

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Finance leases and hire purchase contracts

Assets held under finance leases and hire purchase contracts are recognised in the statement of financial position as assets and liabilities at the lower of the fair value of the assets and the present value of the minimum lease payments, which is determined at the inception of the lease term. Any initial direct costs of the lease are added to the amount recognised as an asset.

Lease payments are apportioned between the finance charges and reduction of the outstanding lease liability using the effective interest method. Finance charges are allocated to each period so as to produce a constant rate of interest on the remaining balance of the liability.

Government grants

Government grants are recognised at the fair value of the asset received or receivable. Grants are not recognised until there is reasonable assurance that the charity will comply with the conditions attaching to them and the grants will be received.

Where the grant does not impose specified future performance-related conditions on the recipient, it is recognised in income when the grant proceeds are received or receivable. Where the grant does impose specified future performance-related conditions on the recipient, it is recognised in income only when the performance-related conditions have been met. Where grants received are prior to satisfying the revenue recognition criteria, they are recognised as a liability.

21

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

3. Accounting policies (continued)

Financial instruments

A financial asset or a financial liability is recognised only when the charity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

Debt instruments are subsequently measured at amortised cost.

Financial assets that are measured at cost or amortised cost are reviewed for objective evidence of impairment at the end of each reporting date. If there is objective evidence of impairment, an impairment loss is recognised under the appropriate heading in the statement of financial activities in which the initial gain was recognised.

Any reversals of impairment are recognised immediately, to the extent that the reversal does not result in a carrying amount of the financial asset that exceeds what the carrying amount would have been had the impairment not previously been recognised.

Defined contribution pension plans

Contributions to defined contribution pension plans are recognised as an expense in the period in which the related service is provided. Prepaid contributions are recognised as an asset to the extent that the prepayment will lead to a reduction in future payments or a cash refund.

When contributions are not expected to be settled wholly within 12 months of the end of the reporting date in which the employees render the related service, the liability is measured on a discounted present value basis. The unwinding of the discount is recognised as an expense in the period in which it arises.

4. Limited by guarantee

The church is constituted as a charitable company, limited by guarantee and has no share capital. In the event of the charitable company being wound up, the liability in respect of the guarantee is limited to £1 per member of the charitable company.

5. Donations and legacies

Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Donations
Offerings and gifts 342,093 36,995 379,088
Income tax recovered on gifts 72,423 5,673 78,096

22

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

5. Donations and legacies (continued)

Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Grants
Government grant income 741 7,500 8,241
-------------------------------- ---------------------------- --------------------------------
415,257 50,168 465,425
================================ ============================ ================================
Unrestricted Restricted Total Funds
Funds Funds 2020
£ £ £
Donations
Offerings and gifts 403,713 51,882 455,595
Income tax recovered on gifts 79,559 3,325 82,884
Grants
Government grant income 10,390 10,390
-------------------------------- ---------------------------- --------------------------------
493,662 55,207 548,869
================================ ============================ ================================
6. Charitable activities
Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Contributions for use of premises 1,044 1,044
Income from charitable activities 565 114,402 114,967
----------------------- -------------------------------- --------------------------------
1,609 114,402 116,011
======================= ================================ ================================
Unrestricted Restricted Total Funds
Funds Funds 2020
£ £ £
Contributions for use of premises 4,212 4,212
Income from charitable activities 1,246 133,636 134,882
----------------------- -------------------------------- --------------------------------
5,458 133,636 139,094
======================= ================================ ================================
7. Investment income
Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Investment income - bank interest 22 4 26
============== ============== ==============

23

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

7. Investment income (continued)

Unrestricted Restricted Total Funds Total Funds
Funds Funds 2020
£ £ £
Investment income - bank interest 660 660
============== ============== ==============
8. Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Staff costs 291,378 103,016 394,394
Governance and support costs 63,204 4,021 67,225
Premises costs 34,410 15,442 49,852
Church based mission costs 15,889 25,735 41,624
Other mission costs 10,731 13,452 24,183
-------------------------------- -------------------------------- --------------------------------
415,612 161,666 577,278
================================ ================================ ================================
Unrestricted Restricted Total Funds
Funds Funds 2020
£ £ £
Staff costs 340,867 97,121 437,988
Governance and support costs 48,984 4,255 53,239
Premises costs 64,064 3,863 67,927
Church based mission costs 23,838 38,445 62,283
Other mission costs 21,430 8,340 29,770
-------------------------------- -------------------------------- --------------------------------
499,183 152,024 651,207
================================ ================================ ================================

9. Expenditure on charitable activities by activity type

Activities
undertaken Total funds Total fund
directly 2021 2020
£ £ £
Staff costs 394,394 394,394 437,988
Governance and support costs 67,225 67,225 53,239
Premises costs 49,852 49,852 67,927
Church based mission costs 41,624 41,624 62,283
Other mission costs 24,183 24,183 29,770
-------------------------------- -------------------------------- --------------------------------
577,278 577,278 651,207
================================ ================================ ================================

24

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

10. Net income

Net income is stated after charging/(crediting):

Net income is stated after charging/(crediting):
2021 2020
£ £
Depreciation of tangible fixed assets 51,286 31,303
Auditors’ remuneration 5,600 5,751
============================ ============================

11. Staff costs

The total staff costs and employee benefits for the reporting period are analysed as follows:

2021 2020
£ £
Wages and salaries 347,001 382,055
Social security costs 21,987 28,461
Employer contributions to pension plans 22,565 26,566
Other employee benefits 2,841 906
-------------------------------- --------------------------------
394,394 437,988
================================ ================================

The average head count of employees during the year was 20 (2020: 24).

No employee received employee benefits of more than £60,000 during the year (2020: Nil).

Key Management Personnel

Key management personnel include all persons that have authority and responsibility for planning, directing and controlling the activities of the charity. The total compensation paid to key management personnel for services provided to the charity was £142,131 (2020: £161,241).

12. Trustee remuneration and expenses

Key management personnel remuneration includes remuneration paid to 3 trustees under their contracts of employment, in accordance with the provisions of Clause 6 of the Company’s Articles of Association. Remuneration paid to trustees is as follows:

2021 2020
2021 Pension 2020 Pension
Salary contributions Salary contributions
£ £ £ £
Mr R Green 44,946 4,891 44,946 6,201
Mr A Woodward 16,335 1,597
Mrs H Lampard 28,529 1,585 38,038 3,804
Ms C Aladewolu 5,645 565

During the year, no trustees were reimbursed travel expenses (2020: nil).

25

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

13. Tangible fixed assets

Freehold
Fixtures and
Motor
property fittings vehicles Equipment Total
£ £ £ £ £
Cost
At 1 October 2020 1,944,365 145,945 10,067 138,876 2,239,253
Additions 4,200 4,200
----------------------------------------- -------------------------------- ---------------------------- -------------------------------- -----------------------------------------
At 30 September 2021 1,948,565 145,945 10,067 138,876 2,243,453
========================================= ================================ ============================ ================================ =========================================
Depreciation
At 1 October 2020 347,921 107,389 8,575 64,118 528,003
Charge for the year 22,787 4,036 373 24,090 51,286
----------------------------------------- -------------------------------- ---------------------------- -------------------------------- -----------------------------------------
At 30 September 2021 370,708 111,425 8,948 88,208 579,289
========================================= ================================ ============================ ================================ =========================================
Carrying amount
At 30 September 2021 1,577,857 34,520 1,119 50,668 1,664,164
========================================= ================================ ============================ ================================ =========================================
At 30 September 2020 1,596,444
=========================================
38,556
================================
1,492
============================
74,758
================================
1,711,250
=========================================

The church is the beneficial owner of All Nations Church Centre, the legal title to which is held by the Church's custodian trustee The Baptist Union Corporation.

All Nations Church, Bedford is the owner of 118 Brickhill Drive, Bedford.

Tangible fixed assets held at valuation

The amounts shown for freehold property are based upon valuations made on 4 November 1993 for insurance purposes and subsequent additions at cost.

Under the transitional provisions of Financial Reporting Standard 15, the Church retained the valuation at 4 November 1993 and opted to depreciate buildings, rather than a policy of regular revaluation. Under the transitional provisions of FRS 102 the Church has continued to retain and depreciate the 1993 valuation.

26

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

13. Tangible fixed assets (continued)

In respect of tangible fixed assets held at valuation, the aggregate cost, depreciation and comparable carrying amount that would have been recognised if the assets had been carried under the historical cost model are as follows:

under the historical cost model are as follows:
Freehold
property
£
At 30 September 2021
Aggregate cost 487,222
Aggregate depreciation
-----------------------------------------
Carrying value 487,222
=========================================
At 30 September 2020
Aggregate cost 483,022
Aggregate depreciation
--------------------------------
Carrying value 483,022
================================

Finance leases and hire purchase contracts

Included within the carrying value of tangible fixed assets are the following amounts relating to assets held under finance leases or hire purchase agreements:

assets held under finance leases or hire purchase agreements:
Equipment
£
At 30 September 2021 33,280
============================
At 30 September 2020 48,640
============================
Debtors
2021 2020
£ £
Prepayments and accrued income 7,900 7,218
Other debtors – Gift Aid 79,835 21,473
---------------------------- ----------------------------
87,735 28,691
============================ ============================
Creditors: amounts falling due within one year
2021 2020
£ £
Accruals and deferred income 9,217 6,480
Social security and other taxes 6,566 5,518
Obligations under finance leases and hire purchase contracts 15,360 15,360
---------------------------- ----------------------------
31,143 27,358
============================ ============================

14. Debtors

15. Creditors: amounts falling due within one year

Obligations under finance leases and hire purchase contracts are secured on the assets acquired.

27

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

16. Creditors: amounts falling due after more than one year

2021 2020
£ £
Obligations under finance leases and hire purchase contracts 17,920
============================
33,280
============================

Obligations under finance leases and hire purchase contracts are secured on the assets acquired.

17. Finance leases and hire purchase contracts

The total future minimum lease payments under finance leases and hire purchase contracts are as follows:

as follows:
2021 2020
£ £
Not later than 1 year 15,360 15,360
Later than 1 year and not later than 5 years 17,920 33,280
---------------------------- ----------------------------
33,280 48,640
============================ ============================

18. Pensions and other post-retirement benefits

Defined contribution plans

The amount recognised in income or expenditure as an expense in relation to defined contribution plans was £22,565 (2020: £26,566).

19. Government grants

The amounts recognised in the financial statements for government grants are as follows:

2021 2020
£ £
Recognised in income from donations and legacies:
Furlough and Bedford Borough Council wages support 741 10,390
Big Local – Christmas in a Box 500
Attain Academy – Early years initial teacher training 7,000
---------------------------- ----------------------------
8,241 10,390
============================ ============================

28

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

20. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At At
1 October 30 September
2020 Income Expenditure Transfers 2021
£ £ £ £ £
General funds 147,892 411,877 (379,607) (6,031) 174,131
Capital fund 1,662,609 (35,925) 37,480 1,664,164
Designated fund 81,669 5,011 (80) 86,600
----------------------------------------- -------------------------------- -------------------------------- ---------------------------- -----------------------------------------
1,892,170 416,888 (415,612) 31,449 1,924,895
========================================= ================================ ================================ ============================ =========================================
At At
1 October 30 September
2019 Income Expenditure Transfers 2020
£ £ £ £ £
General funds 102,790 487,618 (454,989) 12,473 147,892
Capital fund 1,672,796 (31,304) 21,117 1,662,609
Designated fund 102,898 12,162 (12,890) (20,501) 81,669
----------------------------------------- -------------------------------- -------------------------------- ---------------------------- -----------------------------------------
1,878,484
=========================================
499,780
================================
(499,183)
================================
13,089
============================
1,892,170
=========================================

Unrestricted fund are the 'free reserves' after allowing for the restricted and designated funds.

Capital fund is an unrestricted fund which recognises the value of fixed assets held and not therefore freely available to be expended.

Designated fund comprises a 'future fund' which is set aside by the trustees for activities relating to the growth of the church.

Restricted funds are subject to restrictions on their expenditure imposed by the donor or through the terms of an appeal. Restricted funds include the Pre-School and other funds as described below.

29

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

20. Analysis of charitable funds (continued)

Restricted funds

Restricted funds
At At
1 October 30 September
2020 Income Expenditure Transfers 2021
£ £ £ £ £
Bedford Foodbank (374) 374
Pregnancy counselling (58) 4,344 (9,942) 5,656
All Nations Pre-School 89,115 121,406 (117,379) (8,016) 85,126
Appeals 1,780 11,637 (10,310) 3,107
Christmas in a box 1,232 4,056 (2,130) 2,460 5,618
Compassion 21,522 319 (3,729) 583 18,695
Face2Face 19 (19)
Heap 28,677 (28,677)
Kinder Cafe 565 (565)
Malawi widows and
orphans 2,359 497 2,856
Education Africa 5,860 6,518 (5,039) 318 7,657
Ndaga Bethel 318 (318)
Christmas appeal 15,797 (13,137) (2,460) 200
Youth 130 (130)
Breakfast outreach 655 (655)
-------------------------------- -------------------------------- -------------------------------- ---------------------------- --------------------------------
151,800 164,574 (161,666) (31,449) 123,259
================================ ================================ ================================ ============================ ================================
At At
1 October 30 September
2019 Income Expenditure Transfers 2020
£ £ £ £ £
Bedford Foodbank 2 (376) (374)
Pregnancy counselling 2,135 (14,503) 12,310 (58)
All Nations Pre-School 81,890 130,836 (98,412) (25,199) 89,115
Appeals 4,347 (2,567) 1,780
Christmas in a box 1,014 729 (511) 1,232
Compassion 5,850 23,325 (7,653) 21,522
Face2Face 528 240 (749) 19
Heap 28,676 1 28,677
Grants 2,800 (2,800)
Kinder café 1,756 (1,191) 565
Malawi widows and
orphans 1,607 1,252 (500) 2,359
Education Africa 1,794 5,282 (1,015) (201) 5,860
Ndaga Bethel 3,256 1,320 (4,258) 318
Christmas appeal 467 16,575 (17,042)
Youth 577 (447) 130
Breakfast outreach 655 655
-------------------------------- -------------------------------- -------------------------------- ---------------------------- --------------------------------
128,070 188,843 (152,024) (13,089) 151,800
================================ ================================ ================================ ============================ ================================

30

All Nations Church, Bedford

Company Limited by Guarantee

Notes to the Financial Statements (continued)

Year ended 30 September 2021

21. Analysis of net assets between funds

Unrestricted Restricted Total Funds
Funds Funds 2021
£ £ £
Tangible fixed assets 1,664,164 1,664,164
Current assets 309,794 123,259 433,053
Creditors less than 1 year (31,143) (31,143)
Creditors greater than 1 year (17,920) (17,920)
----------------------------------------- -------------------------------- -----------------------------------------
Net assets 1,924,895 123,259 2,048,154
========================================= ================================ =========================================
Unrestricted Restricted Total Funds
Funds Funds 2020
£ £ £
Tangible fixed assets 1,711,250 1,711,250
Current assets 241,558 151,800 393,358
Creditors less than 1 year (27,358) (27,358)
Creditors greater than 1 year (33,280) (33,280)
----------------------------------------- -------------------------------- -----------------------------------------
Net assets 1,892,170 151,800 2,043,970
========================================= ================================ =========================================
Analysis of changes in net debt
At
At 1 Oct 2020 Cash flows 30 Sep 2021
£ £ £
Cash at bank and in hand 364,667 (19,349) 345,318
Debt due within one year (15,360) (15,360)
Debt due after one year (33,280) 15,360 (17,920)
-------------------------------- ---------------------------- --------------------------------
316,027
================================
(3,989)
============================
312,038
================================

22. Analysis of changes in net debt

31