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2022-12-31-accounts

2022 2021
Unrestricted Restricted TOTAL Unrestricted Restricted TOTAL
Income and Endowments fmm: Note Funds
5
Funds
5
FUNDS
2
Funds
5
Funds
2
FUNDS
5
DonsSOns and legades
Chsrhable
scSvNes
Olher eading acdvNes
Investments
Total
2(s)
2(b)
2(c)
2(d)
130,141
3,238
53.390
19854
215,623
' 10S,959
3,300
41,141
163~
248,100
8,547
04,531
19854
$89))$2
136,888
3,017
32,407
17749
190,081
172,084
2,759
29,439
204282
30S,972
5,776
61,848
17749
394~
Expendltum
on:
Rahlng funds
Chadhble
acSviSes
Total
$(e)
3(b)
9,404
222851
2$2,1$6
5,444
134906
140,MS
14,928
357557
372r485
8,681
202283
208,064
1,330
137895
1392I26
8,011
339978
$47,989
Net Expenditure IIncome (16,612) 13,0SS (3,453) (18,90$) 65457 46~
Net (losses) Igains on investments
(Unmagsed)
9(b) (78,937) (76,937) 76.774 78,774
Net movement
In funds
(93~) 13,059 (80450) 69,871 65,257 125,128
Reconcglsgon
offunds:
Tohl funds brought forward 1431,877 23,746 1,56S,62$ 1398205 34290 1 WAS
Transfer offunds 17 8,048 (9,048) 75,801 (75,801)
Total funds carrhd forward 1 7 76 27767 1 7 233 1631877 23745 1 62$

Note 2022 2021
FIXEDASSETS
Tangible fixed assets
Investment
assets
TOTAL FIXEDASSETS
9(a)
9(b)
795,391
580,069
1375460
810,107
654,338
1464 445
CURRENT ASSETS
FaiArade at StAndreWs -stock
Debtors
Solar Panels - payment
ofdeposit
Cash at bank and in hand
TOTAL CURRENT ASSETS
10
11
10,300
17,879
1,549
100,491
130,219
9,600
13,482
112,528
135,610
LIABILITIES:AMOUNTS
FALLING DUE WITHIN 1YEAR
Accruals
&deferred
income
TOTAL CURRENT LIABILITIES
12 30,446
30,446
44,432
44,432
NET CURRENT ASSETS 99,773 91,178
NET ASSETS 1,475,233 1,555,623
FUNDS
Unrestricted
Restricted
TOTAL FUNDS
13
14
1,447,476
27,757
1,475,233
1,531,877
23,746
1,555,623
Approved
by the Parochial Church Council
and signed on its behalf by
~ 0~ Sf.
zi

2022 2021
6 6
Reconciliation
ofnet incoming
/ (outgoing) resources
to net cash inflow from operating
activities
Net (Outgoing)
/ Incoming resources
Loss / (gain) on investmenis
Depreciation
ofassets
(Increase )/ Decrease in stock
(Increase) / Decrease
in debtors
Increase / (Decrease) in creditors
Net cash Inflow from operating
activities
(80,390)
76,937
24,682
(700)
(4,397)
13,986
2,146
125,128
(78,774)
22,997
2,311
(2,078)
2,532
72,116
Investing
activities
Purchase offixed asst investments
Purchase oftangible
fixed assels
Deferred expenditure
on Solar Panels
Net investing
activities
(9,966)
1,549
(11,515)
(20,000)
(68,845)
0
(88,845)
Management
of liquid resources
Dividends
received and reinvested
(2,668) (2,512)
(Decrease) in cash (12,037) (19,241)
Net Funds at 1January 2022 112,528 131,769
Net Funds at 31 December 2022 100,491 112,528

2022 2021
Unrestricted Restdcted TOTAL Unrestrlcled Restricted TOTAL
2 Income and Endowments Note Funds
8
Funds
5
FUNDS
6
Funds
6
Ftrllds
6
FUNDS
5
2(a) Income from donations
and legacies
Planned
giving
Income tax recovered
Loose Plate
Christmas
coaemions
Sundry donations
Hall Trust Grant - Salaries and Expenses
Hall Trust Grant - Projects
Job Retention Scheme Grant (HMG)
Hall Trust Grant - Money Advice Service
Money Advice Service (Other funding)
Bedford Borough Council - grants
Friends ofStAndrsvrs
Total Income from donations
snd legacies
100,944
24.039
4,301
4,271
5,58e
139,141
3.223
90,313
2,964
5,064
7.233
162
108,959
100,$44
24,039
4,301
3223
4,271
$0,313
2,964
5,054
7,233
6,586
182
248,100
$0,228
22,933
3,328
3,401
1,000
15,998
136,888
1,959
713
93,895
61.021
3,028
5,532
3,691
85
2 162
172,084
90,228
22,933
3,328
1,959
4,114
93,895
62,021
3,026
5,532
3.691
18,083
2162
308,972
2(b) . Income from charitable
activities
PCC Fees
Diocesan Fees
Total Income from charitable
activities
3,238
3,238
3.309
3,309
3,238
3309
8,547
3,017
3,017
2759
2,759
3,017
2.759
5,776
2(c) Income from other trading activiiles
Church Centre tailings
Fundraising
Concerts at StAndrew' s
Fairlrade at StAndreWs
Magaiine
Rental Income (5St Minver)
Photocopying
and miscellaneous
Total Income from other trading activities
6(a)
5(a)
53,390
31,684
1,690
6,958
560
12,071
407
41,141
12.398
28.743
94,531
31,584
14,088
6,958
28,743
580
12,071
407
32,407
21.628
875
4,581
250
5,000
73
1,330
28,109
28,439
21.628
2,205
4,581
28,109
250
5,000
73
61,846
2(d) Income from Investments
PCC Dividends
PCC Interest
KP Trust
6,149
1,161
6,149
1,161
5,566
54
5,566
54
Capital
Fund
Income Fund
Interest
Total Income from investments
9,816
2,656
72
19,854
$,816
2,566
72
19,854
9,557
2,569
3
17,749
9,557
2,569
3
17,749
TOTAL INCOME AND ENDOWMENTS 215,623 153,409 369,032 190,061 204,282 394,343

2022 2021
Unrestricted Restricted TOTAL Unrestricted Resbfcted TOTAL
3 Expenditure Note Funds
8
Funds
6
FUNDS
8
Funds
8
Funds
E
FUNDS
6
3(s) Expenditure
on raising funds
Advertising
Fund Raising
Concerfs elStAndrevrs
Total Fund.raising and pubgclty
5(0) 2,581
6,923
9,484
5,444
5,444
8,006
8023
14,928
2,249
4,432
8,681
1,330
-
1.330
3,579
4432
0,011
3(b) Expenditure
on charitable sctlvldes
Diocesan
Parish Share
Diocesan Fees
Salaries and Expenses (exd Money Advice)
Fees
Ministry expenses
Upkeep ofsenrices
Church - Heat, light and insurance
Church - Minor repairs
Educafloll
Magazine
expenditure
Curate's house maintenance
Church Centre running costs
8(b) 131,510
1,895
5,800
6,892
7,901
2,230
1,212
783
14,731
3,309
83.175
7,138
420
870
162
131,610
3,309
83,175
7,138
1,896
8,220
8,892
8,831
2,230
1,212
783
14,893
123,152
1.013
5,085
8,242
3,284
1,585
250
2,126
13,085
2,759
03,016
3,905
98
300
320
1,464
123,152
2,759
03,016
3,005
1,109
5,385
8,242
3,804
1,585
250
2,126
14,549
Fsiruade alStAndrews
-purchases
Fairtrade at StAndrevrs
-expenses
Fairlrads st SlAndrsvrs - donations
Money Advice Service -sg expenditure
Charitabl
giving
14
14
14
15,400 22.783
1,329
200
12,297
3.223
22,783
1,329
200
12,297
18,623
13,300 23,030
1,503
120
9,223
1,950
23,030
1.503
120
9,223
15,259
Printing
and stationery
ITdevelopments
and support costs
Postage and sundries
5,491
3,546
518
5,491
3,646
618
4,079
3,806
299
4.079
3,800
299
Depredation
Total Expenditure
on charitable
acdvlties
9(s) 24682
222,651
134.906 24682
367,667
22 997
202,283
137,696 22907
339,970
TOTAL EXPENDITURE 232,136 140,350 372,486 208,964 139,026 347,089

There were related
party transactions
dwing the year and in 2021as delsaed
There were related
party transactions
dwing the year and in 2021as delsaed
There were related
party transactions
dwing the year and in 2021as delsaed
below.
Name
Gareth Burrows
Verger, payment
on invoices received
Basis of
payment
Fees
2022
Payment
made
6
6,242
Pension
Contrib.
Basis of
payment
Fees
2021
Payment
made
6
3.514
Pension
Contrlb.
6
Isa Member ofStAndrew's
Church PCC
Kelly Agler Good
Centre Manager,
Employment
contract
Salary 8,760 394 28,016 1.171
Isa Member ofStAndrew's
Church PCC
(to 1st May 2022)
Roseanne
Klnvlg-Love
Children's
Worker, temporary
Employmenl
Salary
contract
4,671 Salary
Isa Member ofStAndrew's
Church PCC
Elisabeth Sutcgffe
Children's
Worker, Employmenl
contract
Salary 12,630 688 Salary 10,667 480
Her husband
is a Member ofStAndrew's
Church PCC

CHURCH CENTRE 2022 2021
8(a) Church Centre Lettings (Income) 6 8
Rale 1: Commercial
users
Rate 2: Community
users
Rate 3: Church Members
Rate 4: Guides, Brownies
Other
Total Church Centre Lettings
&Charities
&Rainbows
2,066
15,945
8,636
2,566
2471
31,684
4,940
10,699
4,766
451
772
21,628
8(b) Church Centre Expenditure
Maintenance
Office
Utilities
Other
Total Church Centre Expenditure
7,698
1,550
4,817
828
14,893
8,515
1,400
4,264
370
14,549
FIXEDASSETS
Curate' s Church ONce Fixtures 8
9(a) TANGIBLE FIXEDASSETS House
8
Centre
8
Equipment
5
Fittings
6
Totalf
COST
At 1 January 2022
Additions
At 31 December 2022
76,311
76,311
253,569
253,569
30,551
30,551
758,227
9,966
768,193
1,118,658
9,966
1,128,624
DEPRECIATION
At 1 January 2022
Charge for the year
At 31December 2022
(100,857)
(4,678)
(105,535)
(26,822)
(1,554)
(28,376)
(180,872)
(18,450)
(199,322)
(308,551)
(24,682)
(333,233)
NET BOOK VALUE
At 1 January 2022
At 31 December 2022
76,311
76,311
152,712
148,034
3,729
2,175
577,355
568,871
810,107
795,391
9(b) FIXEDASSET INVESTMENTS PCC PCC PCC KP Trust ' Total
~VLUE CBF
6
CBF
f
Total
6
Total
f
Total Fixed
8
Market Value at 1January
Purchase ofinvestments
2022 199,089 21,481 220,570 433,768 654,338
Dividends
reinvesled
Annual
Revaluation
Market Value at 31 December 2022
2,668
~23,
3
178,314
2,520
18,961
2,668
25,963
197,276
50974
382,794
2,668
76,937
580,069
~SHA
~
DLO
G
At 1 January 2022
Purchase ofinveslmenls
8,512.89 14,755.48 23,268.37 60,719.44 83,987.81
Dividends
reinvested
At 31 December 2022
123.87
8,636.76
14,755.48 123.87
23,392.24
60,71944 123.87
84,111.68
See page 17foran analysis ofthe Fixed Asset Investments
ofthe
KP Trust

CBFFixed
CBF CBF Interest Total Fixed
Investment Property Securities Asset
Fund Fund Fund Investments
VALUE 6 6 6 6
Market Value at 1January
2022
Annual
Revaluation
Market Value at 31December 2022
367,691
43,091
324,600
58,820
6,901
51,919
7,257
982
6,275
433,768
60,974
382,794
E~NRRE
LOIN
At 1January 2022
At 31December 2022
15,722.23
15,722.23
40,404.04
40,404.04
4,593.17
4,593.17
60719A4
60,719A4
DEBTORS 2022 2021
6 6
DEBTORS
Gift Aid recoverable
Centre Bookings
HMRC
Hall Trust
10,950
4,526
1,492
749
8,093
4,782
Other Debtors
Debtors
162
17,879
607
13,482
PREPAYMENTS
Deposit for Solar Panels 1,549
TOTAL DEBTORS 19,428 13,482
CASH AT BANK AND IN HAND 2022 2021
PCC 6 6
Cash 466 969
CAF Bank currenl account
CBFdeposit account
NalWest - Fairlrade
at St Andrew' s
Fairlrade at St Andreu/s
-floats
KPTrust
7,605
81,497
7,330
230
3,008
98,872
5,631
230
CBFincome account
TOTAL CASH AT BANK AND
IN HAND 3,363
100,491
3,818
112,528
Notes
CAF stands for Charities Aid Foundation
CBFstands for Central Board of Finanoe
12 LIABILITIES: AMOUNTS
FALLING DUE WITHIN ONE YEAR
2022 2021
DEFERRED INCOME 6 6
CASA - Quavers and advance tickets for concerts
Other deferred income
Bedford Borough Council
Hell Tnnl
Harpur Trust
Legacies
Rental Income
Receipts in advance
2,600
4,000
1,960
6$3
3,300
4,333
3,300
2,024
4,139
2.000
5,304
ACCRUALS
Centre
Chsritable
giving
Church
Cogee and company
Corlcerls et StAndraufs
1,904
6.051
4,265
774
6,270
506
325
Edllcegon
Feirlrade at StAndrrmfs
HMRC
Ministry
Money Advice
Oflice
Other
Salaries and Fees
SlAlbens
Upkeep ofServices
Utilities
TOTAL ACCRUALS 8DEFERRED INCONIE
$54
200
154
1,094
1,112
90
1,407
674
508
3142
30,446
550
521
732
102
1,604
375
1,550
1,252
507
3,390
44.432
UNRESTRICTED FUNDS PCC
General Curate' s Church KP Trust Total
House Confro
E E E E
Balance al 1 January 2022
Increase IIdecrease) in funds in the year
Balanco at31December 2022
SSS,268
8204
836,974
76,311
76,311
IS2,712
4,670
148,034
437,680
51429
380,157
1,631,077
04401
1,447,470
RESTRICTED FUNDS
Feirtrade Parrolt Youth
Fund Fund Fund Total
6 E 6
Balance al 1January 2022
Receipts
Paymenls
Balance al 31December 2022
10,267
28.743
24312
20,690
S,SS2
420
6,472
1,587
1,607
23,740
20,743
24 732
27,T67
a
less transfer of El IK lo Unreslricled
Funds in 2021.