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2025-12-31-accounts

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

The Parish and Borough Church of

St Mary, Harrow on the Hill

Report of the

Parochial Church Council January to December 2025

St Mary’s is part of the Diocese of London within the Church of England

Vicar:

The Revd J A Mosher (installed 12[th] October 2025)

Correspondence address:

St Mary’s Parish Office, Church Hill, Harrow on the Hill, HA1 3HL

Charity Commission Registration Number: 1130328

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

Structure, Governance and Management

The Parochial Church Council of the Ecclesiastical Parish of St Mary, Harrow on the Hill, (PCC) is a corporate body established by the Church of England. The PCC operates under the Parochial Church Council (Powers) Measure 1956. It is supported by a number of committees which make recommendations for its consideration. The method of appointment of PCC members is set out in the current Church Representation Rules. All Church attendees are encouraged to register on the Electoral Roll and stand for election to the PCC. The PCC met 5 times during the year.

The PCC is a charity registered with the Charity Commission; each PCC member is a trustee.

PCC Officers

Chairman

Chairman The Revd J A Mosher Installed 12[th] October 2025 Vice Chairman P Chandler Hon. Secretary K Grout Hon. Treasurer R Horne Church Electoral Roll Officer J Rankin

PCC Elected Members

M. Biggs Churchwarden R Blank P Chandler K Crotty D Dodd K Grout L Grout Churchwarden R Horne J Hurley J Shepherd C Williams

PCC Members ex officio

The Revd A Christian Associate Priest The Revd G Dale Associate Priest

PCC sub-committees and Chair

Finance and General Purposes P Chandler Worship and education The Revd A Christian Care and Outreach L Grout Communications J Shepherd Stewardship C Williams

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

Bank

HSBC, 31 Holborn Circus, London EC1N 2HR

Hon. Legal Adviser

J E. Kennedy & Co., Solicitors, 59-61 High Street, Harrow, HA1 3HT

Independent Examiner

A-spire Business Partners Ltd, Chartered Accountants, 32 Byron Hill Road, Harrow, HA2 0HY

Quinquennial Inspecting Architect

Cerowski Architects Ltd, Chartered Architects, 14 Crossways Avenue, East Grinstead, RH19 1HZ

Objectives and Activities

Reserve Fund Policy

In the Statement of Financial Activity funds are defined as Restricted or Unrestricted, and within the latter there are designated and general funds. The keeping of reserves is part of our commitment to maintain St Mary’s (a Grade 1 listed building) as a place of worship. To this end funds have been designated for the upkeep and repair of the building.

Vicar’s Report - 2025

These first eight months at St Mary’s have been deeply life-giving and marked for me by gratitude and joy for all that I and Shanti have shared with you. I want to thank everyone for the warm welcome we have received on the Hill and across our Parish community.

St Mary’s is truly a beautiful and special place: rooted in prayer, rich in friendship, and a community which seeks to be both a place of witness and encounter for our neighbourhood and the wider borough. It has been a great privilege to be able to meet and speak with people from across the parish, whether in their homes over cups of tea and biscuits, for walks around the hill while encountering signs of spring and new life, on a Saturday morning at Spire Café, or in the quiet of the Church after Evening prayer, at our regular Thursday coffee morning in the Church Room, or with the volunteers who so diligently work to keep the church open - to name but a few examples.

So many people play a vital role in our parish. I want to say a special note of thanks to everyone who has offered their time, energy, prayers, talent in making our parish what it is; a place where all can receive dignity, friendship, and genuine hope for the future and the world around us. I want to take this opportunity to express my heartfelt gratitude and thanks.

If the heart of our life together is the love of God revealed and made known to us in Jesus, he who is the Christ and takes on our flesh, then it is in Jesus that we find our truest identity as the beloved children of God.

We share in that love in so many ways.

Jesus’ victory at Easter shows us God’s activity and love at work in the world and in our lives: a love which seeks to heal, to restore, and to make all things new through the gift and in dwelling of the Holy Spirit. I pray that God’s Spirit will continue to be at work and alive here at St Mary’s and in each and every one of us – for in Him we discover that our story is not yet finished.

One source of the Holy Spirit, that spring of living water, is the life we share together as a parish community.

The daily offices (praying for the needs of the world, our community, and the parish) continues to be a bedrock of the rhythm of our shared life. So to repeat my gratitude for all those who enable the Church to be open seven days a week – this is a tremendous gift to the wider community. I am delighted by how many people find refuge, peace and prayer within the walls of our church.

I want most of all to focus on celebrating all we are doing, but some of our thoughts for the coming year include: a Youth Pilgrimage to Canterbury Cathedral; growing our children's and youth ministry; supporting and growing our music programme and concerts; holding a PCC Away Day next autumn to reflect and shape our priorities together; planning a Parish

Retreat; supporting the work and witness of Spire Cafe; and continuing to support the vital work and witness of the Crown Street Trust with those experiencing material poverty in and around the Borough; reflecting on our wider community engagement; and so much

more.

I am excited for what is ahead of us as a community: I look forward to walking together as we discern, share, pray and imagine what our vision for St Mary’s now and for future generations can and should be.

I am always very willing to visit, go for a walk, or find a time to talk, so please feel free to contact me at anytime - I would greatly value the time together.

With my continued prayers and gratitude.

Yours,

Fr James

St Mary’s Harrow on the Hill The Rev’d James Mosher 07/03/2026

Safeguarding 2025

1. Introduction

2. Formal Obligations

The Parochial Church Council is obliged by law to confirm to the Annual Parochial Church Meeting that it has complied with its statutory duty under section 5 of the Safeguarding & Clergy Discipline Measure 2016, and section M5(3) of the Church Representation Rules 2020 that:

The Parochial Church Council has had due regard to the House of Bishops’ Guidance on Safeguarding Children & Vulnerable Adults.

3. Safeguarding Roles

4. Safeguarding Policy, Guidance & Information

5. Safeguarding Learning and Development

6. Safer Recruitment and People Management

7. Concerns Raised

8. Additional Information

9. Next Steps

10. Acknowledgements

M K Biggs Parish Safeguarding Officer

31[st] January 2026

Stewardship Committee Report January-December 2025

1. Introduction

The Stewardship Committee had two aims during 2025:

2. Achievements over 2025

A number of activities have been undertaken during this period and include:

In addition to the above, the church has supported various charities which are reviewed in the Care and Outreach Committee Report.

3. Looking forward to 2026

It is certain that events organised by the Stewardship Committee will be greatly enhanced by the upgrade to the Wifi system in the church which will be completed in March. This will assure the connectivity for taking payments at all times as well as the potential for enabling new ventures to support our Mission Action Plan.

3.1 The aims of 2026

A number of objectives have been considered and adopted but these will be further enhanced as the year progresses.

The Stewardship Committee would like to give a sincere thank you to all involved in the various activities to raise money and in particular committee members of Spirewatch. A special thank you also to those who have supported the delivery of stewardship in other forms for the church, the congregation and wider community.

Christine Williams 14 February Chair Stewardship Committee

Report on Fund Raising from Talks and communication

1. Fundraising from Talks--

February- Edible Harrow to the Probus Club £40

March- Inspiring Women of Harrow to Headstone Manor £60

April- Inspiring Women of Harrow Pinner Rotary Club £100

June 10th -Harrow Libraries Stories of St Mary’s Architecture £80

September- Inspiring Women of Harrow Harrow WI £100

On September 20th Heritage Open Day Festival resulted in a collection of about £150—and a donation from Barretts.

I was nominated for a Harrow Hero Award for Bringing the Community Together.

2. Deanery Synod--

Meanwhile I continue my work on the Harrow Deanery Synod

3. Website

Regarding the website I keep the Events section up to date. Father James has refreshed many of the pages. The link to Planned Giving scheme was added.

4. Weekly Email

Regarding the weekly email we continue to build on numbers and now have over 100 we send out to and these are being well received. We are hoping to move these onto Mailchimp.

5. Spirewatch and Spire Cafe

I continue to support the Spire Café. The Counsellors Stephen Hickman and Eden Kulig have been fantastic in raising awareness of Church Fields—and we ran a major liaison with Harrow Conservation Forum on May 31[st. ] which involved a Nature Count on Church Fields and then a Bat Walk from 9pm until 11pm. Stephen Hickman is also applying for a grant to clear the lower graveyard—I am assisting with this. We are working with Stephen Hickman and Eden Kulig re a commemoration of Annie Besant on the old Vicarage.

Judith Shepherd February 2026

Flower Arranging Report 2025

We are very grateful that we have two new recruits for the flower arranging team, especially younger ones who can reach places some of us can longer manage!

It is really exciting that we also have two youngsters who did some beautiful arrangements for Harvest and Christmas, it is very heartening to have them with us.

We had a very happy morning making posies for Mothering Sunday, the flowers coming mostly from people's gardens and the churchyard. They were distributed at our services and we delivered some to those unable to come to church anymore, they were very touched that they had been remembered.

We had arrangements of Easter Lilies and the congregation were invited to sponsor a lily in memory of a loved one. The names were displayed by the flowers. This worked well and we will do the same next Easter.

It was a great pleasure to make the church look extra special to welcome Father James to his Induction Service in September.

This was swiftly followed by Harvest Festival and we are extremely grateful to Peter Weller who has an allotment in West Harrow. He grows amazing dahlias and donates them all to St.Mary's.

We did our usual decorating for Christmas which is always a lovely occasion, apart from the pleasure of arranging it is a great opportunity to meet up with old friends and catch up on news.

It is so special to do the flowers for our three big celebrations, Easter, Harvest and Christmas but there are flowers during the rest of the year and help with arranging for Sunday services would be most appreciated.

Handbell Ringers Annual Report 2025

The team started rehearsing in November for Christmas music.

As in past years, we provided a programme of carols for the Christmas Tree Festival at All Saints church, Harrow Weald on 6 Dec. A tower ringer there, Charmian, kindly joined us as an extra pair of hands.

On 13th Dec, we played for Harrow Philharmonic Choir’s Carol Service with Charmian helping once more.

Finally, we attended the Festival of 9 Lessons and Carols at St. Mary’s on 21st Dec.

A would be member, Judith, joined us for a couple of rehearsals and we very much hope to see her when we start meeting again this year.

Jean Pearson handbell secretary

St Mary’s Annual Music Financial Report 2025

Chorister Payments: £1166.50

This figure includes months Jan-June 2025. Subsequent months have been paid in the new year 2026. Payments to choristers are a good reward and motivate the young singers, however it may be worth considering how we manage these funds in future and better regulate chorister payment.

Miscellaneous Expenses:

Conductor surplice: £124.95 Bass soloist Good Friday: £80

Organ Costs:

Several costs were incurred for tuning and repairs of the organ (issues with the swell pedal). Invoices were sent directly to the treasurer – I do not know the exact amount outgoing regarding organ costs.

Organist deputy payments: Sunday

18[th ] May – Isaac Adni (£70) Sunday 1[st ] June – Yasar Cohen-Shah (£80) Sunday 3[rd ] August – George Wood (£80) Sunday 10[th ] August – Mervyn Hogg (£80)

Total outgoing (approx.): £1681.45

This figure is not including the costs for the organ work.

Other notes:

Izzy Mohan Director of Music 01/03/2026

Care and Outreach report 2025

During the interregnum we were very fortunate to have Graham and Alison who helped to keep in touch with members of the congregation who were unable to attend church. We tried to make sure that people felt supported and valued. Since Father James's arrival he has made the pastoral needs of the church his top priority and has got to know us all very quickly. He, Alison and Graham always make time to talk to people and offer counselling and advice whenever it is sought.

Jane has continued to run the monthly cake sale raising money for three charities, Cardiomyopathy, Parkinsons UK and the Harrow MS Centre. The charities are very grateful for our contributions, and we thank Jane and Pauline for their tireless work.

We collected goods for Harrow Food Bank at Harvest Festival and had a very good response. We propose to collect items on a regular monthly basis as part of the church's charitable giving. This will be initiated during the next couple of months.

The Thursday coffee morning

has a regular group of about 15 people and we are always delighted to welcome anyone who fancies good company and a chat. Our topics are varied, ranging from politics and philosophy to how to make porridge in the microwave, so something for everyone!

St. Mary’s has its own Bereavement Care team consisting of five volunteers, all of whom are fully trained. They can be contacted by asking the Vicar or Churchwardens for their details.

We are always happy to help in any way we can. If anyone has ideas on how we can improve or offer something different, please do not hesitate to contact us.

Lynne Grout 12[th] February 2026

The Crown Street Trust

This Charity was set up by St. Mary’s parishioners in the 1860’s to help tackle the issues of alcohol and drug abuse. One hundred and sixty-five years later we still have the same broad aims although a lot has changed in both society and the nature of addictions. Today we are still supporting a range of organisations working within the community dealing with the similar issues. Currently our work funds youth clubs in Wealdstone tackling the threats of knife crime linked to “county lines”, as well as after school clubs in Grange Farm Estate. We also support Firm Foundation’s homelessness unit and night shelter in Harrow, Harrow Street Preachers and a number of programmes in partnership with the Young Harrow Foundation targeting some of the youngest and most vulnerable groups in the Harrow community. We have recently stepped up our support programmes as we are determined to make a real difference within Harrow. In order to sustain this ongoing work we are looking to attract additional funding to ensure the viability of this essential work long term.

Tower Captain’s Report 2025 (including Secretary Report) Bell Ringing Guild, St Mary’s, Harrow on the Hill

The main aims of my work as Tower Captain continue to be:

First : to ensure that there is bell ringing for Sunday morning services, and for other special occasions, particularly such occasions for St Mary’s Church;

Second : bell ringers have appropriate training for their own ringing advancement, for the improved quality of band bell ringing, and for the sustainability of future bell ringing at St Mary’s; bell ringers have undertaken the required Safeguarding training

Third : bell ringing at St Mary’s is enjoyable and welcoming to visitors and to newcomers; Fourth : to encourage St Mary’s ringers to contribute to the wider ringing community.

The first aim has been achieved throughout 2025 due to the continued commitment of our ringers to ring for Sunday service. The number of ringers has varied due to holidays, illness, and other commitments, but we have occasionally rung ten bells on a Sunday morning, with 13 ringers attending for Remembrance Sunday. Monday night practices have benefited from the attendance of ringers from other towers, particularly Pinner. All church events requesting ringing have been supported.

During the year we have managed to ring for the following special occasions and annual occasions:

The New Year’s Eve band rang out the old year 2024 and then rang in the new 2025, followed by panoramic views of the fireworks across London from the tower roof. The long-standing tradition of a get together took place earlier in the evening in the form of a buffet, with others joining later at the tower for ringing. The recent tradition of the Spire Café opening late evening ready for the midnight fireworks was also maintained giving many Hill residents an opportunity to celebrate the New Year together.

The second aim is being achieved by our continued focus on our learners. My thanks go to our regular team of experienced ringers who enable each learner to practice within a secure band.

2025 has welcomed three new learners, two of whom rang over Christmas and New Year, and on Sunday mornings. Thanks go to visiting ringers who join us regularly on Mondays, enabling a greater variety of methods to be rung. Ringers are encouraged to lead the ringing at their level of expertise. During 2025 some of the band have participated in training events, bell ringing outings, and Quarter Peal attempts, calling QPs, to help consolidate their skills and understanding. Clear progress is being made by each ringer and it is hoped that this progress can be consolidated in Quarter Peal attempts in future. Our thanks to Audrey Wakeling and Douglas Dodd who join us for service ringing whenever possible. Last June, we entered a band for the S&W District Striking Competition held at Norwood Green but though we rang well we did not manage to secure a place in the next round in October. Ringers have been asked to undertake the appropriate Safeguarding Training. Ringers are keeping Matthew Biggs, Church Warden, informed when they successfully complete a unit.

The third aim has been achieved, evidenced again by the regular attendance for Monday night practices and for Sunday morning service ringing. St Mary’s hosted one S&W 10 bell practice during the year and it was well attended. We are grateful to outside ringers supporting our Quarter Peal attempts when we cannot provide a full home band. We welcomed a few visitors during the year. A visiting band rang a successful Peal in August and another visiting band rang a successful Quarter Peal in September; Christopher O’Mahony, a past Ringing Master, made a couple of visits. He joined the band for a Monday night practice in September and he also arranged a peal attempt in July but unfortunately it was unsuccessful; Marc Kasfiner joined us for a successful Quarter Peal, local schools made their annual visits; and Simon Baxter joins us on Sundays when visiting his mother. Thanks also go to Casper for arranging the well attended Guild Annual Dinner at The White Horse in September, to which past ringers, family, and friends, are welcome. The Tower Open Days and Fete Day attract many visitors who are most impressed with seeing the bells and the views from the top of the tower and find the talks by Pauline and Michael most informative and interesting. Many thanks to Pauline for organizing these and to all who provide support.

The fourth aim has also been achieved in several ways. I have been re-elected as S&W District Secretary, and I continued as Safeguarding Contact for the Middlesex Association to April, when I stood down. As part of my District Secretary role, I arrange and co-ordinate several monthly practice sessions for the S&W District to enable ringers to maintain and improve their ringing skills, and to learn from other more experienced ringers. In September, a ringing outing to five towers in and around Cheam gave the opportunity for wider experience of ringing. Caspar Kennedy, John Campbell, and I went on the outing. I hold the appropriate Safeguarding awards to support Caspar Kennedy and Richard Ninham, in training any Harrow pupils and adults wishing to learn to ring.

Many thanks to Steeple Keepers Michael Chandler, Caspar Kennedy, and Camille Berrido for their regular maintenance of the bells and for prompt repairs. Thanks to them also for raising the bells on Saturday mornings. Many thanks also to Michael and his team for managing the installation and removal of the muffles during the year. Thanks to Michael for managing the Bell Ringing funds.

At the February 2025 AGM, Pauline Chandler stood down as Secretary, a post she has carried out with great aplomb over nearly twenty years, ensuring all ringing events have run seamlessly. Unfortunately, the post is vacant but Pauline kindly continues to liaise with St Mary’s on our behalf and I act as Tower Correspondent and co-ordinate any other secretarial duties that arise.

As Tower Captain, I continue to be delighted with the commitment from our ringers for attending practice nights and Sunday service ringing. I am also grateful for the continued support of the church and I wish Fr James Mosher every success in his new post at St Mary’s. I am hopeful about our band maintaining ringing to an improving standard at St Mary’s during 2026, and that our band can continue to take part in District ringing events and to commemorate national and local events. However, we also must continue to seriously focus on continuing to attract and train new members to maintain this progress in the longer term.

Bridget Campbell, Tower Captain, 1 February 2026

Finance and General Purposes Report 2025

The committee met monthly throughout the year (except in January and August) mostly via Zoom.

General income, mostly through Planned Giving, is not increasing and remains a cause for concern. St. Mary’s has, therefore, joined the Diocesan Parish Giving Scheme (PGS) with a concerted effort to recruit new members and to encourage members of previous Planned Giving to change to PGS. The use of card readers is increasing steadily. St. Mary’s is still not covering regular expenditure ie. Vicar’s stipend, energy bills, funding Church Services etc, through regular income and has to rely too much on ad hoc donations, legacies and bequests. These, though most welcome, are not a reliable source of income for regular expenditure.

Spire Repairs: The work on the spire was completed in January, 2025, at a cost of £542,641.29 A full report of the project is lodged in the church safe. Sincere thanks must go to all who contributed to raising the funds. A magnificent achievement. The releading of the spire completes the repairs to all the leaded roofs.

Quinquennial Inspection/Tiled Roofs : Following recommendations in the Quinquennial Inspection in August, 2024. the Architect, Heather Cerowski prepared the specifications for repairs to the tiled roofs. Sussex Energy Advice also surveyed the tiled roofs and also St. Mary’s use of electricity. Their report about the possibility of installing solar panels as part of the roof repairs will be studied with the overall repair specifications and it is hoped that the work on the tiled roofs will be carried out in 2026. The costs will be met from a legacy and, if possible, a small grant from the Diocese to support the installation of solar panels.

Sound System: After many delays the specification to replace the old sound system was agreed by the Diocese without the need for a Faculty, and the work will be carried out in the first half of 2026 at a cost of £34,642.80 which is being covered by legacies.

The routine maintenance of and non-routine work on the buildings is shown in the list below.

Miscellaneous: The organ and organ blower were routinely inspected (6 and 10). Some faults were identified which, if all were rectified, would cost about £80,000. No action has been taken and the matter will be reviewed periodically.

A Defibrillator in a cabinet was installed (1) on the exterior wall of Church Room at a cost of £485. Harrow Hill Trust has generously offered to cover the cost of the annual maintenance (c£100)

Contractors

  1. JB Electrical, 11, Seven Acres, Northwood, HA6 3JZ

  2. P&J Enterprises, 2, Old Grove Close, EN7 6UN

  3. G&D Higgins, Masters House, Marlborough Hill, Harrow, HA1 1UX

  4. Omega Red Group Ltd. Blenheim Industrial Estate, Nottingham, NG6 8WA

  5. Technica Systems Ltd, Technica House, 3-7, Clifford Road, Alperton, HA0 1BZ

  6. Watkins & Watson Ltd. 141, Blandford Road, Poole, BH15 4AT (Organ Blower)

  7. Hockley and Dawson, Consulting Engineers

  8. Arbol Euro Consulting Ltd.

  9. In house volunteers

  10. Bishop & Son, 58, Beethoven Street, London, W10 4LG (Organ Tuner)

Future Plans

During 2026 the Committee, apart from its on-going responsibilities for monitoring income and expenditure and for maintaining the buildings and grounds, consider the following to be the priorities:-

PLC

3[rd] February 2026

THE HARROW DEANERY SYNOD

ANGLICAN CHURCHES IN HARROW AND NORTHWOOD

REPORT FOR 2025

ANNUAL REPORT FOR 2025

The Deanery Synod met three times in 2025.

The first meeting took place at St Peter’s West Harrow on 4[th] February. The Revd Jon Lindsay-Scott (Vicar) welcomed synod members, guests and led us in worship. The Revd Matthew Stone (Area Dean) conducted brief Synod business including welcoming the Revd Irene Lawrence and reviewing deanery vacancies. This was followed by updates from Diocesan and General Synods.

The main part of the meeting focused on the return of the Willesden Area Roadshow led by Bishop Lusa, Archdeacon Catherine, and the Directors of Mission and Ministry. They reminded Synod members of the Diocesan Vision and how in Willesden there is an overwhelming desire to create a culture of leaning into being intergenerational, intercultural and missional.

Our second meeting on 10[th] July, at St Paul’s South Harrow, began with Evening prayer led by the Revd Steve Taylor (Joint Vicar), followed by an introduction to the church and worship.

The main focus of the evening was churches and disability, led by the Revd John Beauchamp, Diocesan Disability Ministry Enabler. John noted that while some churches are well equipped, there is always room for improvement. He emphasized the responsibility to ensure that buildings and services are accessible and inclusive for all. There are many things we can each do, John encouraged us to start by looking at the easy wins, and pointed those present to accessible resources to assist in this.

This was followed by a short presentation of the Ministry Experience Scheme, a review of deanery accounts, and four applications with presentations of £1000 Mission Fund Grant. All four applications were successful: St Anselm, Hatch End to improve the sound system; St Peter West Harrow towards “Bubble Church”; St Anselm Belmont for improved signage; St Mary Kenton towards the Mission Experience Scheme. Further Synod business included welcoming new clergy, celebrating the newly ordained priests, Diocesan and General Synod Reports, Confirmation of elections (Emma Webber as Honorary Secretary, Graham Hamwijk as Foundation Governor Holy Trinity School Northwood, Graham Nicholson and Marjorie Mott as foundation governors of St John’s School, Stanmore. Following the meeting Mike Still was elected as a clergy representative on the Deanery Standing Committee. And finally, Robert May was thanked for over 16 years of exemplary service as deanery secretary.

Our final meeting of the year began with refreshments and student led worship at Holy Trinity School, Northwood on 4[th] November. The choir were from Holy Trinity, the orchestra from St John’s School Stanmore. This was followed by a welcome and introduction to the new grouping of four local CofE Schools through the Ecclesia Partnership.

This was followed by presentations by four local speakers on Embracing Interculturalism looking at welcoming, openness, diversity, learning from one another and mission. This section was concluded by a time of questions to the panel. And the meeting was then concluded with news of the Bishop of London consultation, and a request for Carollers at St Lukes Hospice.

The Revd Emma Webber Honorary Secretary

Financial Review - 2025

The Statement of Financial Activities for the year 2025 forms part of this report.

In financial terms the year 2025 is characterised by 2 features.

  1. A deficit on recurrent income and expenses

  2. Receipt of 3 large legacies.

As has been pointed out in previous annual reports and discussed at APCM’s for many years regular income from the planned giving scheme has not only failed to increase annually to cover price inflation, but has declined in money terms. Its consequent decline in real terms – after inflation is even greater as seen in the graph below.

----- Start of picture text -----
Planned Giving over time
90000
80000
70000
60000
50000
40000
30000
20000
10000
0
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Actual £ Adjusted to 2025 value
----- End of picture text -----

The PCC has decided to transfer the administration of the parish planned giving scheme to the diocese. The parish receives all the donations, and the diocese handles the gift aid recovery and passes it on to us. The diocesan scheme allows for an annual increase in line with inflation. If you have not already done so, please join the diocesan scheme and tick the box for annual increases.

The second feature of 2025 has been the receipt of 3 large legacies. One has been added to the sound system fund, and that project is now reaching completion. One has been designated to both the tiled roof repair fund, and the organ fund. A third large legacy remains without a specific designation pending a review and consideration by the PCC.

As a result of these legacies we have over half a million pounds on deposit with the CCLA, (Charities, Churches and Local Authorities) investment fund. This has and continues to boost our interest income, but not sufficiently to cover deficits incurred due to falling regular planned giving.

Roger Horne 31[st] January 2026

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

FINANCIAL STATEMENTS

YEAR ENDED 31 DECEMBER 2025

Contents

Accounting Policies pages 1-3
Statement of Financial Activities for 2025 page 4
Balance Sheet as at 31st December 2025 page 5
Note 2 Income page 6
Note 3 Expenditure page 7
Note 4 Staff costs page 8
Note 5 Investments, Fixed & Capital Assets page 8
Note 6 Debtors (Accounts Receivable) page 8
Note 7 Creditors (Accounts Payable) page 9
Note 8 Analysis of Net Assets by Fund page 9
Note 9 Statement of Funds page 9
Independent Examiner’s Report page 10
Statement of responsibilities of the
Parochial Church Council page 11

Notes to the Financial Statements for the year ended December 31, 2025

1. Accounting Policies

The principal accounting policies adopted, judgements and key sources of estimation when facts are uncertain in the preparation of the financial statements are as follows:

Basis of preparation

The financial statements have been prepared in accordance with the Church Accounting Regulations 2008, the Charities Act 2011, and with the Charities Statement of Recommended Practice and Financial Reporting Standard (FRS102). The financial statements have been prepared in pounds sterling, under the historical cost convention, and include all transactions, assets and liabilities for which the PCC is responsible in law. They do not include the accounts of Church groups which owe their main affiliation to another body nor those that are informal gatherings of Church members. Figures have been rounded to the nearest £.

The Parochial Church Council of St. Mary, Harrow on the Hill, is a corporate body established by the Church of England. The consecrated property, the Church, is located at Church Hill, Harrow on the Hill, HA1 3HL, in the United Kingdom of Great Britain and Northern Ireland.

It is the policy of the PCC to keep financial viability constantly under review, and in this regard the PCC considers that there are no material uncertainties and that the Church is a going concern.

The PCC meets the definition of a public benefit body under FRS 102.

Funds held by the PCC are:

Unrestricted Funds – the General Fund and the Reserve Fund represents the funds of the PCC that are not subject to any restrictions regarding their use and are available for application to the general purposes of the PCC.

Designated Funds – these are monies set aside by the PCC out of unrestricted funds for specific future purposes.

Restricted Funds –

a) Income from trusts or endowments which may be expended only on those restrictive objects provided in terms of the trust or bequest

b) Donations, collections or grants received for a specific designated object. The funds may only be expended on the specific object for which they were given. Any balance remaining unspent at the end of the year is carried forward as a balance on that fund.

Endowment Funds – funds the capital of which must be maintained; only income arising from the investment of the endowment may be used, either as restricted or unrestricted funds, depending on the purpose set out in the original document. The PCC has no endowments at present.

1

Income

All income is accounted for gross.

Donations and Legacies

Collections are recognised when received by or on behalf of the PCC. Planned giving is recognised when receivable by or on behalf of the PCC. Income tax recoverable on Gift Aid donations is recognised on an accruals basis matched to the period when the donation was received. It will therefore include claims made after the year end relating to donations received in the year.

Grants and legacies to the PCC are accounted for as soon as the PCC is notified of its legal entitlement, the amount due is quantifiable and its ultimate receipt by the PCC is reasonably certain.

Other trading activities

Trading income is recognised on an accruals basis when its ultimate receipt is reasonably certain.

Income from investments

Dividends and bank interest are accounted for on an accruals basis.

Other income

All other income is recognised when it is received.

Gains and losses on investments

Realised gains or losses are recognised when investments are sold.

Unrealised gains or losses are accounted for on revaluation of investments at 31st December.

Expenditure

Expenditure is accounted for on an accruals basis and is accounted for gross.

Grants

Grants and donations are accounted for when paid over, or when awarded, if that award creates a binding obligation on the PCC.

Church activities

The diocesan parish contribution is accounted for when paid. Any parish levy unpaid at 31st December is provided for in the accounts as an operational (though not a legal) liability and is shown as a creditor in the Balance Sheet.

Fixed Assets

Consecrated and beneficed property of any kind is excluded from the accounts by virtue of the Charities Act 2011.

Movable church furnishings held by the Vicar and Churchwardens on special trust for the PCC, and which require a faculty for disposal, are accounted as inalienable property unless consecrated. They are listed in the church’s Inventory that can be inspected at any reasonable time. For inalienable property acquired prior to 2000

2

there is insufficient cost information available and therefore such assets are not valued in the accounts

All expenditure incurred in the year on consecrated or beneficed buildings, individual items under £1,000 or on the repair of movable church furnishings acquired before 1 January 2000 is written off.

Depreciation

The Church Room was built in 1960 at a cost of £9,965 including architect’s fees: this is now depreciated on a straight line basis, having been on a reducing balance basis until 2021.

The Lenovo computer purchased on 29[th] December 2023 is being depreciated over 3 years on a straight-line basis.

Other furniture and equipment, if applicable, is depreciated over 5 years on a straight line basis.

Investments

Investments are valued at market value at 31st December.

Current Assets

Income tax recoverable and other debtors are included at the settlement amount due. Prepayments are stated at the amount prepaid. Cash at bank includes cash and short-term liquid assets with a maturity of less than 3 months from the date of opening the deposit, and, short term liquid assets of between 3 and 12 months maturity which are stated at the balance on the account at the accounting date.

Creditors

Creditors and provisions are recognised where the Church has a present obligation arising from a past event that can be measured or estimated reliably. Creditors are stated at their settlement amount.

Investment Policy

Funds in excess of immediate working capital requirement are placed in a bank deposit account.

3

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish Ref 24.01 Charity No 1130328

STATEMENT OF FINANCIAL ACTIVITIES FOR YEAR ENDED 31 DECEMBER 2025

Notes
Income from:
Donations and legacies
2a
Trading activities
2b
Investments
2c
Other income
2d
Total income
Expenditure on:
Church activities
3
Transfer from Spire to Tiled Roof
Surplus ordeficit before
Extraordinary item
Extraordinary item
2e
Investment Loss
Fall in value of investments
5
Surplus ordeficit after
Extraordinary item
Total Funds b/f at 1 January
Total Funds c/f 31 December		 Unrestricted
Funds - 2025

£
88413
13057
11457
15592		 Restricted
Funds - 2025
£
12008		 Designated
Funds -2025
£
208402		 Total
Funds - 2025
£
308823
13057
11457
15592		 Unrestricted
Funds - 2024
£
106173
11347
6625
14887		 Restricted
Funds - 2024
£
229963		 Designated
Funds -2024
£
30500		 Total
Funds - 2024
£
366636
11347
6625
14887
128519
157480
-28961
294881
-4188
261732
154499
416231		 12008
32585
865
-21441
-21441
45860
24419		 208402
917
-865
208350
208350
31346
239696		 348929
190982
0
157947
294881
-4188
448640
231705
680345		 139032
143139
-4107
2344
-1763
156262
154499		 229963
284304
-54341
-54341
100201
45860		 30500
185600
-155100
-155100
186446
31346		 399495
613043
-213548
2344
-211204
442909
231705

St. Mary's annual figures 2025IE Rpt

23/03/2026

4

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish Ref 24.01

BALANCE SHEET AT 31 DECEMBER 2025

Notes 2025 2024
£ £
Fixed Assets 5
Investments with CCLA 100576 104764
Church Room 1209 1512
Office Computer 213 427
Total Fixed Assets 101998 106703
Current Assets
CBF Deposit Account 515500 55500
HSBC Current Account 59916 1856
HSBC Roof and Spire Fund Account 0 95
Natwest Current Account 360 100
Sundry Debtors (Accounts Receivable) 6 8139 72547
583915 130098
Sundry Creditors (Accounts Payable) 7 -5567 -5095
Net Current Assets 578348 125003
Net Assets 8 680346 231706
Funds
Restricted Funds 9
Memorial Garden Fund 351 351
Spire Fund 13947 37950
Organ Fund 2561
Peachey Stone 7165 7165
Lawn Mower 395 395
Total Restricted Funds 24420 45861
Designated Funds
Sound System 34682 21346
Tiled Roof Fund 104754 0
Organ Fund 100260 0
Spire Fund - see restricted fund above 0 10000
Total Designated Funds 239696 31346
Unrestricted Funds
Accumulated General Funds 9 416231 154499
Total Funds 680346 231706

Approved by Parochial Church Council

Rev James Mosher

Matthew Biggs - Churchwarden

Lynne Grout - Churchwarden

Date: 27th April 2026

The accompanying notes form part of these financial statements

St. Mary's annual figures 2025Balance sheet

23/03/2026

5

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish Ref 24.01

Notes to the Financial Statements for the Year ended 31 December 2025

2 Income from:-
2a Donations and Legacies
Charitable Fundraising
Planned Giving
Collections
Income Tax Recovered
Miscellaneous Income
Donations (see below) 2e
2b Trading activities
Summer Fete and Christmas Fayre
Other Church activities
2c Investments
Dividend and Interest Income
2d Other income
Filming Rights
Fees for Weddings and funerals
Rental Income
Total income
2e Details of Donations
Unallocated Legacy from C.Bednell
Legacy from G.Wilson for Tiled Roof
Legacy from G.Wilson for Organ Fund
Legacy from M.Small for Sound System
Donations to Spire
Donation from Spirewatch
Interest on deposit
Diocesan Building Fund
The John Lyon Charity
Harrow School Contribution
Chris Bennett estate
Individual donations
Fund raising events
Diocesan Moving Grant
Lawn Mower
Totals excluding unallocated		 Unre
Fund		 stricted
Restricted
Designated
Total
Unrestricted
Restricted
Designated
Total
s - 2025
Funds - 2025
Funds - 2025
Funds - 2025
Funds - 2024
Funds - 2024
Funds - 2024
Funds - 2024
£
£
£
£
£
£
£
£
1287
1287
1289
1289
45699
45699
54111
54111
7624
7624
6353
6353
11640
11640
14055
14055
25
25
138
138
23424
10721
208402
242547
31516
228674
30000
290190
88413
12008
208402
308823
106173
229963
30000
366136
9931
9931
9431
9431
3126
3126
1916
1916
13057
13057
11347
11347
11457
11457
6625
6625
11457
11457
6625
6625
0
0
0
500
500
3842
3842
2516
2516
11750
11750
12371
12371
Unre 15592
0
0
15592
14887
0
500
15387
128519
12008
208402
348929
139032
229963
30500
399495
stricted
Restricted
Designated
Total
Unrestricted
Restricted
Designated
Total
294881
294881
0
0
94609
94609
0
0
100457
100457
0
0
13336
13336
0
0
660
660
0
128000
128000
0
6090
6090
0
25000
25000
0
25000
25000
11500
7500
19000
11500
17500
29000
0
10000
10000
9924
2561
12485
7016
24016
20000
51032
0
2948
2948
2000
2000
13000
13000
0
120
120
23424
10721
208402
242547
31516
228674
30000
290190

St. Mary's annual figures 2025income

23/03/2026

6

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish Ref 24.01

Notes to the Financial Statements for the Year ended 31 December 2025 (continued)

**3 ** Expenditure on:
Unrestricted Restricted Designed Total Unrestricted Restricted Designed Total
Funds - 2025 Funds - 2025 Transfer Funds -2025 Funds - 2025 Funds - 2024 Funds - 2024 Funds -2024 Funds - 2024
£ £ £ £ £ £ £ £
Church Activities
Charitable Giving (see below) 1287 1287 1289 1289
Church Services 979 979 954 954
Altar Linen 0 0 1082 1082
Churchyard 0 0 1920 1920
Depreciation 517 517 517 517
Diocesan Fund 68898 68898 68898 68898
Fabric 3362 3362 4313 4313
Fees to Diocese and Bell ringers 1685 1685 1211 1211
Insurance 11690 11690 12043 12043
Maintenance & Services 12394 12394 5466 5466
Spire 31298 -865 0 30433 283015 185600 468615
Tiled Roof 865 720 1585 0
Organ Fund 197 197 0
Music 18596 18596 10465 10465
Advertising for new Vicar 674 674 0 10465
Advertising for new Director of Music 0 0 599 599
Office Expenses 18219 18219 15722 15722
Office moving expenses 0 0 550 550
Examiner's Fee 1500 1500 1500 1500
Bank and Sum Up charges 341 341 273 273
Parochial Expenses 1482 1482 448 448
Utilities 16807 16807 16682 16682
Subscriptions 337 337 496 496
Total expenditure 157480 32585 0 917 190982 143139 284304 185600 613043
Distribution of Charitable Giving
Charity 2025 2024
Overseas Charities
Christian Aid week 146 354
Sub-total Overseas 146 354
Home Charities
Cardiomyopathy Association 246 203
Myanmar Earthquake 188
Parkinson's UK 223 225
Multiple Schlerosis 332 84
Mayor's Charity 152 189
British Legion Poppy Appeal 112
The Children's Society 40
Lent Appeal 82
Sub-total Home 1141 935
Total Charitable Giving 1287 1289

St. Mary's annual figures 2025expenses

23/03/2026

7

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish Ref 24.01

Notes to the Financial Statements for the Year ended 31 December 2025 (continued)

4 Staff Costs

a Wages and salaries

The average number of employees during the year was 3. They were the Organist/Director of Music, a Parish Secretary and a cleaner. The Director of Music was appointed in January 2025. As in 2024 no employee receives benefits in excess of £60,000. As a micro employer the amount of Employers' NI is covered by a Government Allowance. The PCC is registered with the Pensions Regulator and employees may join at their discretion.

Wages and salaries
Pension Contributions
Totals		 2025
£
24187
353
24540		 2024
£
15501
-
15501

b Transactions with PCC members

Parish Secretary Keith Grout is a member of the PCC. He was paid the sum of £7,842 (without pension contribution or any other benefit) during the year. The total donations made by PCC members during the year were £12,497 (2024: £18,503). There were no other disclosable transactions in respect of PCC members, nor persons closely connected to them, nor other related parties.

5 Investments, Fixed & Capital Assets and unrealised gain/(loss) thereon.

CBF Investment Income shares:
Date
31/12/2024
31/12/2025
31/12/2025
Cost 1st January 2025
Depreciation
At 1st January 2025
Charge for the year
At 31st December 2025
Net book value
At 31/12/2025
At 31/12/2024
Holding
Unrealised loss
Holding		 no. shares
4530.78
4530.78
Freehold
Property
£
9965
8453
303
8756
1209
1512		 Price/pence
2312.27
-92.44
2219.83
Office
Computer
641
214
214
428
213
427		 Value £
104764
-4188
100576
6
Debtors: amounts falling due within one year
Income Tax Recoverable on Gift Aid
VAT refunds on Spire work
Accrued investment income
Diocesan Building Fund
Chris Bennett legacy
Other debtors and prepayments
Total		 2025
£
2626
4232
1281
8139		 2024
£
3269
28165
2073
25000
10000
4040
72547

8

St. Mary's annual figures 2025Notes 4-6

23/03/2026

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish Ref 24.01

Notes to the Financial Statements for the Year ended 31 December 2025 (continued)

7 Creditors:amounts falling due within one year

Charity collections
Utilities
Other Church expenses
Total
Charity collections
Utilities
Other Church expenses
Total
8
Analysis of Asset by Fund
Investment
Church Room
Office Computer
Net Current Assets
9
Statement of Funds
Unrestricted Funds
Reserves
Unallocated Funds
designation to be decided
Restricted Funds
Spire see below
Peachey Stone
Lawnmower
Memorial Garden
Organ Fund
Charitable Fundraising
Total Restricted
Designated Funds
Spire see above
Sound System
Tiled Roof
Organ Fund
Total Designated
Total Funds		 Unrestricted
£
100576
1209
213
314233
416231
Balance b/f
1 Jan 2025
£
154499
154499
37950
7165
395
351
0
45861
10000
21346
31346
77207
231706		 2025
Unrestricted
£
2463
2674
5137
2024
Unrestricted
£
0
2171
2513
4684
Restricted
£
24420
24420
Income plus
gain on
revaluation of
shares £
128519
294881
423400
8160
0
2561
1287
12008
13336
94609
100457
208402
220410
643810		 Transfer
0
-865
-865
-10000
10865
865
0
0		 2025
Restricted
£
430
430
2024
Restricted
£
411
411
Designated
£
239696
239696
Expenditure
plus fall in
value of
investments
£
161668
161668
31298
0
0
1287
32585
0
720
197
917
33502
195170		 2025
Total
£
430
2463
2674
5567
2024
Total
£
411
2171
2513
5095
Total
£
100576
1209
213
578348
680346
Balance c/f
31 Dec 2025
£
121350
294881
0
416231
13947
7165
395
351
2561
0
24420
0
34682
104754
100260
239696
264115
680346

St. Mary's annual figures 2025Notes 7-10

23/03/2026

9

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

Independent examiner’s report to the Parochial Church Council of St. Mary, Harrow on the Hill, Middlesex.

This report on the accounts of the Parochial Church Council (PCC) for the year ended 31 December 2025 which are set out in the Annual Report and Statement of Financial Activities, is in respect of an examination carried out under the Church Accounting Regulations 2016 (“the Regulations”) and sections 144 and 145 of the Charities Act 2011 (“the Act”).

Respective responsibilities of members of the PCC and examiner

As members of the PCC you are responsible for the preparation of financial accounts; you consider that the audit requirement of the Regulations and section 144 of the Act do not apply. It is our responsibility to issue this report on those accounts in accordance with the terms of the Regulations.

Basis of this Report

Our examination was carried out in accordance with the General Directions given by the Charity Commissioners under section 145 of the Act and to be found in the Church guidance, 2016 edition. That examination includes a review of the accounting records kept by the PCC and a comparison of the accounts with those records. It also includes considering any unusual items or disclosures in the financial statements and seeking explanation from you as trustees concerning such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently we do not express an audit opinion on the view given by the accounts.

Independent Examiner’s Statement

We have completed our examination. We confirm that no material matters have come to our attention in connection with the examination which give us cause to believe that in, any material respect:

We have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Sandra Sweeney A-spire Business Partners Chartered Accountants 32, Byron Hill Road Harrow on the Hill HA20HY

Dated 13th March 2026

10

Parochial Church Council of St Mary, Harrow on the Hill, Middlesex Parish ref 24.01

Statement of responsibilities of the Parochial Church Council (“the PCC”)

The trustees are responsible for preparing the PCC report and the financial statements in accordance with applicable law in the United Kingdom including Financial Reporting Standard 102: The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the members of the PCC to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and the income and expenditure of the charity for that period. In preparing these financial statements, the members of the PCC are required to:

The members of the PCC are responsible for maintaining proper accounting records which 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 Charities Act 2011, and the Charity (Annual Return) Regulations 2024. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the provision and detection of fraud and other irregularities.

11

VICAR AND CHURCH WARDENS' CHARITY ACCOUNTS

Charles Burt Legacy
balance bfwd 1 January 2025
Income
Expenditure - bank charges
Fall in value of investments
balance cfwd 31 December 2025
The Dell Charity
balance bfwd 1 January 2025
Income
Expenditure - bank charges
Fall in value of investments
balance cfwd 31 December 2025
Woolley Choir Memorial Scholarship
balance bfwd 1 January 2025
Income
Expenditure - bank charges
Fall in value of investments
balance cfwd 31 December 2025
Chester Trust Fund
balance bfwd 1 January 2025
Income
Expenditure - bank charges
Expenditure - award to choristers
Fall in value of investments
balance cfwd 31 December 2025
Associated Funds not controlled by PCC
Flower Fund
Assets brought forward 1 January 2025
Income
Expenditure - Easter Sunday and induction of Rev'd J Mosher
Assets carried forward 31 Decembser 2025 - account closed
Ringing Guild
Assets brought forward 1 January 2025
Income
Expenditure
Assets carried forward 31 Decembser 2025
Handbell Ringers
Assets brought forward 1 January 2025
Income
Expenditure
Assets carried forward 31 Decembser 2025		 2025
£
35791
974
-21
-1613
35131
31840
740
-16
-1065
31499
3809
79
-2
-113
3773
1308
27
-1
-75
-39
1220
2025
278
0
278
0
9377
846
110
10113
2101
0
12
2089		 2024
£
33855
1936
0
35791
30526
1340
-26
0
31840
3668
146
-5
0
3809
1410
51
-150
-3
0
1308
2024
440
0
162
278
9135
408
166
9377
1967
134
0
2101

08/03/2026

page 12