WITHANI
UNTITED REFORMED CHURCH
CHAIUTY
ch￿lty reoisiration number: I l i0664
TRUSTEES, REPORT
AND ACCOUNTS
FOR THE YEAR ENDED
J I" DECEMBER 2024

Content5
Pag¢
Trusiees. Rep)rt
Objectiies alld AcEii'ilies
AChIev￿nent and Performallce
Financial Review
Structwe. Goi'ernance and fvlanLoemellt
Reference and Admlnlsirati￿'e Delails
TTUStees' DLclardtion
List of Tnistees
Statement of F&nJnLial Acliiities
io
Balance Sheel
'ote5 to the Stsiement of Financial Actiiqties
12-18
I'reasurer s qktement
Indepcrtdcnt Examincr s Rcport
19

Ob'ectives 2nd Actti'itt'es
Summars, of ihe
Se ofihe charitv
Wilharn Unitcd Refor￿ed Church Charity is a member Church iiithin the E&sfern S)"nod of the Uniied
Reformed Church ofthe iJniied Kingdom: whiih is constituted tn accordance ivith the Scheme of Union of
Ihe Unii¢d Refornied c.hurch and ihe United ReforniLd Church Act 1972 as Jmiended bi. tbe United Refonned
Church AcL1981 ajid the Uniied Refom]ed Church Aci ol"?000. The charitj's Goverr)illa Document PTO¥'ide5
that lis object is ihe adi'ancemem of ihe Christian faiih for ihe beDcfit of the publtc in accordance Ns"itli Ih¢
Scheine of Union otr the United Reformed Church- Il'"iiham LÉniied RctORTfted ChurL'h Lharity 15 a charity
registered Ivith the Chariry, ComtnÈssion.
umma
of ihe main actiiiti¥S
Our iT]ain actii'ity" 15 thai of meelino regLLlarls"" on Sunda}'s. and also rnid-ileek: for ChJisiian worship and
religious education. Wc also usc our sanctuary occasionally for coDccrts'. pld!."s, or displa>'s" and w'eekly for
rLharsals b), Ih'itham Sinoer> and b)"" a Baby Bank- (see beloiv).. part of our outreach to Withatn. The C'enry
our complex conn¢cLed io the sanctuaT¥, is open to the public six dal's a H'eek. Faciliiies include a sports hELII-
drop-in coffee area, Babs, Bank store. offjce: Teprographies TOO￿￿ sei'eral meeting) moms of i'aTiOUS sizes: and
a I1<￿dell. These premises offer facilities to a Credit Lynion l￿d S'arious other commuNTr services, as welI as
proi'idino the Church iiith rnanfv, opportunitics to sharc God"s G￿d NJ ews Ivith the people ofiviiham thrO￿h
Oulreach auivities organised by ihe church t"ellvth7hip. We offer a weekly meeling place for demLntia st￿e[CrS
id their carers -"Mcniories and More
- ivhich i.s very populor Jmong it5 ￿er$. The BabN' Baok is open tt¥o
morninb) a H'eek. tt Is hug¢l% popular dnd much needed. 50 niuch so that ive L'On￿L.d the K'eslrv into a
dcdicated store room lo tacilitate the Babv Bank"-s opErauon. ¥ve coniinued Eo prov3de a ii'arnLlwelcome space
on Mi (Inda}'s. We al.%0 oiTer 3 iTr¥ekly cornmuniTh" lunch. l.loMrier. our rnis5iQn to our coniniunitv reaches oui
bejond diL confines ol our buildincSS thank-s to God"s lo%'e expreksed through the caring activitj of our
CTllbeis sll)d ddhcrcnts. Our ii"'ith Childre￿ yO￿h and You￿￿ adu]ts is a MIK of per£on aiid online: %1&
rydeo coiiferencing and social media platform
8iatem¢n¢ rc Chariil Commiision ouidance on
ublic benefil
.'hen pldnningTr the actiNiYies for tbe N ear. the trusiec5 considercd. and belie4re th)t theiT complicd ksith: their
dut¥' to havL' reglard 10 ihe Ch¢￿1￿ Commission s published _ttuidance on public bencfii and_ in particular. the
specifkc guidance on charities for the adTrancement of religTro
Policii on
rant iiiaLiniv
The chatit}' 1.5 noi primarill, a aranL makÈnL) charity rather one ii'hie.h airns to direcili. proTr"ide services to
the communits.. HO￿t¥er. Church illethino has decided ihai the charih.. Iiill annualls". £i￿e aivaK.' IOO/o of
budgyeled Genernl fur￿ 8ii.ing plus the a&sociated tax recoiiLrv. Ilye have a committee thai brings to Churcli
M¥Yting. norniolly once u year. reeommendaiion% for aii.ardino sums to charities and iiooa causes. Proposed
recipiLnts arc. spli¢ bery¥'cen loLal. national and internaliotw]- Christian and those tliat 5UPPOrt social neL
charities thai receii'c a surn on a Te¥Jular basis for a nuniber of>ears and others that receii'e a sum on a one-
off bdsis. Il is Church Meeting that ￿k"eS the decision as io ￿1)ether or Dot to adopt the recommendations.
Coniribulion made bv volunteers
Tiie cbarRN.. betng a chuTch. Unl>UTprisingly relles h¥￿vill on %'olwiie¥rs Iiom the church-s fellow3liip in ihe
expres8ion and dLliN'ern' of the services pro%'ided: both itt rcgular ￿'0￿bIp led b.y icams of musicians aud during
mid_R'L*k- when our outreach Telies h¢ali1￿. on i'olunle¢r%. Mthrther it is in providing wouth ar￿ children
actii'"iuc& a iltekly conioiunilj lunch. supp)rt re dementia or simpls, $th￿ing our coffee drop-in centre- all
Ihesc acii%'itics arc proi'Èded bv volunteets from thc fello￿..Ship or friend5 of the fellowship. While paid staff
hklp focus our ￿'0[k i¥ith ihe youth aod Lhildretl and O￿ale our kitCh￿L ihey are supported bv tear05 of
oluntetTS.

Aehie%'emen*s and Perforniancc
qinisterial Nqoi'einents and Stsff Chan
Rei'd I_orna Baniock coniinues in her role as Asg)ciate .Minister. Ive has￿ recruited a ftmher cleaner. a
Director otr" ()utreach to help tocus our outreach and mi&s1o￿ Lm'o Church AdMinisirdto￿ wtho job-shaTL d
position and a Butlditio 114ana8er. The Kiichen Manager role h&g be¢n rescoped to b¢Con￿ HospkL21ity
lanac¥er.. Thc c1&1ners report to the Building Nqom4oer: The Hospithlirn,. Manauer. Building Manager and the
Iwo Church Administrators report to the DiTecior of Outreach and the Director of Outrvdch rep)rts to the
-4ssociaie Mi inister.
Worshi
We endeavour lo nuke worship acce55ible to as ivide a ranoe of people as possible: with a to those who
h3ie no prLViOUS chureh expertence. usino m(thrn tccbttolo
-j" and N'aried M￿51c31 styles go dEliver readings
and mi)d¢TJ) h5inns. and io proi'ide relei.ant Christian education and guidance. We hold OUT main 8unday
mor]]in17 ￿'0[ship at l 0:30am. and Sunda￿. evening worship h4.ice moThihlv ai 6:30pm. ParL thIough
ttTromin() ii"orship our childr¢n and vouth go to age specific gn)ups: nitnt churcli (pre-school). kids church
(priniaT>' agvc). artd !'OLth church (school years 7-JO). We M"'ould lik-e to ie•slarl an older vouth group but lack
both i'oluntecrs and olde.r i¢enAgers. All sraff [￿a i.olwiieers workin(r wilh children and young people are
quired to be DBS checked.
A lunch-time S￿mICe on Tuesdays is norniall). at*nded h. people N-ho IDL￿11) as i¥ell as those ￿h0
"orship locally in various churches on a Sunda!,. Woiship is led b!, clergy drai¥i) from the churches in tEJe
toil￿ as )4'ell as a nurnE￿ of laTr-people.
At the i'ear-end our membership stood ai 127. During ?074 Ii"c had aTDund 7" children & J.'oung people under-
eicyhtsen ¢01)n￿led ii.'jih the church (boih duri￿￿ Ihe iieek and ii"'orshippÈng on Sund￿ s). Ive arL eucournged
Still to ablc io aftract childrcn and young people who ivani to learn about God.
Hoine 8tu
During ?0?4. one. Tr￿￿. llouse group started, onc existing housc group c105cd rL5ulting in nine adult ho￿¢
groups aiid one >'oung persons house ¢7roup me¢iing on a r¢.uular basib tor bible study and p3itoral support.
A5 well a5 our u5ua] scr¥'ire.k the rhurch is aTrriilable to the communi1} for weddings arLd tunerals. Baptism
or dedication 15 available forchild￿n and baptism for1￿11£i￿lng adults ￿h0 hai'e not PWlOUs15' been baptised.
Our Associaie Mirrister is ali¥av.s avmilable io offer pastornl carelo members of the COTJimunitv at large.
ThL. Ceiilre 0￿rat¢S six morning5 a ￿"eek and is u5cd b), mani". people. Among these (ve t￿0 Carer-
and-child oroups. 2 group for pr05EXCtiNe mothers and recent mothErs ivitb thcir babies and occasional other
even￿ for children. Carers ¥an meet and form friendships ￿.hIle the children plav. Older people suffer
from demeniia and their CaYL"rs rncct on Tuesdays. ThL Lon)munity Cafe opcrntcs cach Thursday. Fridali and
Saiurd<Tr!'- on the cafe is folloTh¢d b}. a conitnunity. lunch.
l lie buildings are a150 let oul to other organi5ations. One ot the rooms hous¢s Holdfast Credit unlo￿ Other
communiry, ei.ents are hosled either on a regu]ar or occ&%ional basis.
1 3ssioTh and Outwach
42e arc a menther of Ciiurches Together in W'idiBm and DÉsrrAcL As such V*E suppon ecumeTr1￿l projects
within the to￿￿ such as ihe Easter march along Witham High StreeL concluding %with a seryice in the shopping
prccincL
Ve are inN'oliied in r3ising u)onev. for CThTistian .4id. Somc members also support ihe Unitcd Refonned
Churbh's Commitittent for Life Prograrnme i1.hich includes SUPPOrt tor the IN-orld Deirelopmenr Moiemcnt.
Each ￿ear li"¢ give a percentsire of the chur¢h"'s income to charithble nonlinated bv our Pledge
Committee and agreed to Chutch Mecting.

Finanei81 Re%'iew
Reitelv o
the chari
's fmancial
sttion
Financial Siatemenls
The Financi￿ 5taterncnts, includxng thc noTe5. have been prepared in cornpliance with ihe Siatement of
Recommended Prdciice (SORP) -Aceouniints and ReFK)rtino bN' Charitie5 ?015 (FRS 102).
stal￿Ne￿I of FinuR¢¥alAtlivifies
The Sthtemeni of Pinancial Actiiiiies is Shoy￿ on page l O. Mith a more de13iled analysis of income and
xpendilurc on pagc5 14 to 16.
l-olal incomin¥ Tesourees for the }ear Thert £223:414 1202J." £?18.lJJ9). The 2023 fioijre included a grant
rroni the S%nDd ro help otTsei the cost ofihe energ!. rise5 1%'e faced. NOMMI Incoming re50ure¢s iirre therefore
up by more than the rtiunbers sugecst despite our losino a couple of regular lets duTing the 5'caT.
Total r¢sour¢es e%pend¢d ll.ere L?J6.634 (?023". £200.?21 j. The si.
tTnificant increas¢ in costs in th¢ year ar
attributable mainl) ID the return of our contributions to the denomtvation s M&M F'und to their nornial level
artd the Éiiipacl of electrieity increases on our running ¢.osts.
Balaiice Sheet
Tlic result outlincd aboi'e Itd to a nei £lJ ?llO decr￿Se in funds- leaTrino the Charit%. iiryth Total F￿}dS o
£286:949 at ib¢ ¢i?d of ?0?4. The c.harity S turreni asscts less current liabililies ai year-end were L?i6.184
-?0? J.- £?68."*96}.
Yoiith Postor Furfd
-4 inconie of Ihis restricted fund was £?8.953 (?02J: Li:9iO) ￿,hIle expenditure increased 10 £31?48
70? j £2().7138). At the cnd of the l'ear the Fund at ￿4.98￿.
.Vission Fund
J £l?.954).
lThi5 restricted fund transt-erred £1 5 ?60 durinq ihe vear to supp(fft our misis on &xpenditure (70?"
Speeiul Collechon5
In ?024 p(Ls%ed on £2,187 ot collections thwou-h ￿trIcTed i-unds (?02) £989). Our Pledge refocussed in
the s.t.ar to support tl 5ma]ler nurnber of ch2ritabl& organi5ations ivith 2tDcr8I1!' highcr rni ".
Tlie CeAITe
The Centre a￿}vil￿- throughout ?0?4 conunued io ex￿L￿d ouropportunitÉe5 for outreach and gcncralcd income
of £?5,0)7 in ?0?4 (20?":
?3.113). there was a Surp1￿ in the Year ot £7_651.

Stralemeiit £Ypluininu reservespolicy
'17Le Balance Shctt on page 11 Sho￿￿ the disp)sition of ihe N"aTiou5 Churrh fijnds totalling £286:949 at 31
DecembLr ?094. The "resern'es describes that pari os a chariti4""s Income SJDds that is freely ai.'ailablc.
Tliis definition of reseTh'e5 therefore norndli. eYclude5".
a) restricied funds-
b} an¥ part ot-unN"striGed fundi not readilj ai?il<ible t-or spendin(y specifica]li'-
runds which could onlv be rraliscd by disp)$2Thg of fixed assets held for charitable use.
Bccause the ¢hdritN is primaril!, a serkice provider to community fdther than a grant maker and becausc IÉ
is exiremL'I! dependent on generous K'olulltar! gii.Ing by Chri￿lIn iv.orshippers and others: Lt Tequires reserves
io tide ilie charity oirer periods ot financial difticulty, faced by its supponers withoui having to restrici the
comn)unitF outr¢3ch 5crvicc5 provided or threaten the wsition of an!. ol tl?c ST[￿1 nutnlkr of emplo%'ees OF
the charit).. ￿loreover. since most of the actiiiiies carried on b}1 ihe charilv are b&£ed ivithin the premises niade
aV￿lable to ibe Lliurch il is nelesw) lo have rvierv¢s to be dble io maintsin those butldings 10 a&)(M)d stsndard
at all tirnes. It is feli that havino rewves i¥thich ellable the church to meet all its OUllFoings for iiNeliJe months
plus a inodesi amount to meet propeTh eosts is appropriaie ￿ t)kk'e the Trth5te¢s tin)e to reconsiderthe acu"vities
of the ehllttli in tli£ ei'cnt ol a major financial collapse in gi*ing.
Aniount ofresgrvÈ.$ held
Thc Icvcl and purpose of the desi_o]Jated funds 15 Sct out in N7otc 16 on page 17. The net assets of the
unreitricted fijiids total £?iO,406. Thes, include fixed ￿se1S & stock" oF£JO:65? Since tlie 2024 expenditure
of thi Church is budgeied ai £?27k. before around £15k of C￿e expendiiure. the res¢Tr¢s held are barel
5uflicient tcJ coi.'er diis. Recog?nisinti thi& in Klarch ?0?4 the elde￿ asked members of the eongreoation to
increase their Liivino {whicli number hai'e done) and also obtained generous grant support from E&steni Sw)od
for some of our mission outreEtch actiiities for the S %.ear5 ?0? j to ?0?9.
Addi¥ioiJal informulio
The charitV"5
rinci
ai sources of funds
In a ty'pical )'ear. appmxinwiel} ihree-quar(ers of the charlts s inLome cotnes trom direct living by church
"orshippers togedier with the t&x re.claimable under ihe Gift Aid scherne. .41moil half ot the remaindeT arises
from Ictliiig ot" church premises for vaFiQUS acliN'ilie5 anc apart fiom a 5nwll amount of bank iiiterest: the
Imlance from the outreacll actiN'ities based ai The Cenire. ?025 i*ill be anDÉhei challenging ycar but. sin
giTring remaitLS at 8 hioJ) lei'el and the Ea￿ern S!Iiod 20?) coniribmion of £?8,?1 I has been receii'ed by our
Nlission Fund th¢ trusices con52der that the charily remains [Jna￿l811￿ viable.
Inv'eslment
Iicii and oh"eclii'e
Because the charirl" 15 $0 dependent on i'oluntary .
Èiryng intcnded to support its acuTrities bl, member5 of the
church. N¥e hai'K" beL"n reluLtsnt 10 use tuTrds £I￿¢n in ihis ii?). to aiiempt io Cr&￿e further income which is of
a i'vlatilc natiir¥ and puts- th¥ rnoney aLready proi'ided at risk of loss. ReCo￿lsing tI￿t this ii'ill give rise to
lower income iii some years but a lot more in othcrs. thc charitst has chosen to &nN'est funds oni) in secure
deposil accounL8 or the equivalenl iiherc the cap1tallaccumul￿ed income of ihe ekwitv is not at risk. This
proTred beneficial during the pandernic.
lion of ihe
rinci
td risk5 facin
Ihe cknt
ThL charil> ma7ntains ? risk reg*t￿er$ Hthich are keo under re4Tul<irrei'iew. Major risks idenlified as Trugtees"
Risks relaie lo- (i) health and safely. (li) PTOteciion o£- childrèll and oiher I￿[ner&hIe peopl4 (iii) cornpliance
Iiih L'rnploimeni Icgyislaiion aNd (il'} ctisUTinp that trustees aci at all iiuies ￿7th snteorit>. Major FelloNv51up
Riskb inLlude li) Ivsb of visioii for thL d)urch and for the Cenir& (ii) failu￿ io be open and welcoming to
nei%tomcr5 l￿d {.iii} shortage of ￿lIlIng %￿lU￿￿er5 to ca￿V on our actii."ities effectivel}.. Poli¢ie5 and
procedurLS to tnanaL)e these matters and mtligate ihe risks eN"ist and reqiular revieKW by the ts￿￿ees ensures th2t
the polieies and pmeedures are adhered to.

Stnietur
Governance and Man
ement
es
lion of chari
"s tnjsts
The Charlty" cooiprises the assets and funds held on behalf of the-IWJtlwn United Refornjed Church" other
tha￿proper[}es held undertrnsts declared in sch￿ule ? of the United Retotmcd Churcb Act 197? (&5 amLnded
b) the b'niith Reformed Church .4cts 198 l 9000) and those held on other SPLcTfic&lly declared trusts.
oi'crnin
documeDI
The C￿￿eliL Goi"'erninL Documenl of ihe C.harÈtv adopted bi" resolution of the Iliitham URC c.hurch
eeiing on Tuesdas,: 26 Mav ?009.
T4oiK 15 the charits, constitutedg
itham Uniied Refornied Church ch￿11} is an wiincortK)r*ed ￿0C￿all0n rcgi5£ered ivitb the Charity
ComThiission.
I rustee SLlection mcxhods includin dctatls c>f anv collstitutional
roi'isions
I"Iie iM2ni5ters and tliose seTrin? Elders of Witham lJniied R¢fomed Church Charliy eli￿7)Ie to act as trustees
are its tru.stte& The Church Menibers hai'e deiermined that normall￿, there should be a complement of14
scrning Eld¢rs who aIe each apwinted for a period of J Tr'ears. (Pertods of service arc stavygercd 50 that some
nomdl!- come to an ertd each year.) Ildcr5 ￿'hO hai'e served for iivo successive periods lliust haiie a sabballeal
year before beiftg eligible for r2-nominaiton. For each election. nominations are sought from amongsL those
ho haiic bL'cn on IhL Roll Qi Church MeM￿r$ for ￿ leasl one ?ear and who may or rnay not haNt' prcviously
ser¥'ed as ali Elder at Witham or in anothu cliurch ot the L15)iied Refonned Cburch. Elders eleeted for the firsi
iin]e arc ordainod to the Tole OF Elder at the be(iinning of the.Tr period OF seNice. lan Hunt Dai'id and Sarah
WellinLJS Wtre elected to serve from l January ?(r)i: with 'fony Deighton. Fenella lart Hardie. Muriel
Heppinsiall. 11.'illiam KeJmed}'. Keith Iqeredith and Gatrin McC211.
A¢ldT¥ionul infor•nalion
P lici&s and
rocedur&5 ado
ted for the induction and irainin
of tnjsiees
Lopies ol": liealili and satety procedures. the CODsliiution ofthe cbariiy_. lis Data Proteclion Policy Staiement,
a giuide io Eldership produced b3." the LIRC naiionally, nuidelinison conduct and behpAisiour forelders produced
by the l IRC nationallv, ouidelines for Eldcrs pmduc¢d bl il:itham U.RC. and a doeument produced by the
URC naiionallv documenitng the role TesponsibilTtics und liabilities of ¥ld¥rs &$ tru5Éees are proiided to each
indiiidual elected to sern'e a5 an Elder and trU￿ee. A poMEr wint presentation providing a guide to thc
consliiulioll and. Ihe role and resp)nsibilities of ihe t￿￿tec5 is also a%7ilable for tlie Elders lo consult ai anv
tiinc. Tlic Chuich Seuclaries are available io an}. F.Idertrru1) ee to disiUSS Elders n-nwees resFK)Dsibilities.
The ihari
' > oriyanisation structure and Vtrryder neilvork
'l-he Eldcrs are sUPPOrted b) a tomal syslem of C.0￿Mitte¢S {or similar groups):
l¥opetts'
Centre Suppon Group
Finance
The F.Iders mect rnonthky io rei*j¢i¥ ihe aciitrities of the Church and to receii'e report5 from the 5UPTrt)rting
Committees. Rec(J117rnendations are rnade 10 Church Nlee(ing ii."hich ￿gularl1. meets every" other monih. The
Elders keep under rcvicw the abiliN' io finan¢L the ￿(¥rttd actii"ili¢.s ol-the Cliurch and the risks pre*I)ted bi,
exTen￿lI￿r& such ILS c115mg¢s io the reoulaioTh, framLN4ork rLlatints io the pft>￿ managiem¢nt use of the
C.hiirch buildin_￿ complcx.
All major policy decisions arc eonsidercd in ptinciple. and e.¥penditurc approi?ed in principle: b). the Elders
before bein£ put lo the meelinLv of Church Members. In conimon iiith ihe practices of the Llniled Refornitd
Church: the Chutch Meciing iy thL ultiM￿e decision-maL-in? body of Witllam United Refotmed chU￿h
Charit¥.

Relationshi
than
lated arties
Mlitham United Refomied Ch)JTch is within thc Eastern SJn(Kl of thc United Refomed Church. The Eastern
Ssmod Meets in full t￿ice a year. Bett￿n such meetinJo it is represented by its Executivc, Pastoral and other
committees. Every year represeniatives from each Synod of the United Reformed Church meet to forni ihe
body. General Assembly. GeneTal Assembly takes &cisions potentially impacting the ivhole of the
denomination. It is the practice of the Uniied Reformed Church that certain t%Tes of rnajor decisions tsken by
General Assembly must be confirnied by its S}￿ods and member churches. a set percentage of Synods
and member chuTches required to IK in favour in order t.or a decision to be confirnied. Such issues coming io
individual churches voted on by each church""s Church Meeiing wilh tbe result communicat¢d to the
applicable Synod.
The United Refornied ChuTch TrusL Ihe Trnsts of the 13 Synods and the Trusts of individual churches
belonging to the denomination all separate and indepe[￿ent cbaTitie5 not under cornmon control.
Refercnec and Administrative dctails
cl￿vIl
name: With8m United Refornied Church Charity
Other naTne the chari
uses: Witham URC Charity 01 Witham URC
number: RegislTation NuM￿r 1130664 (registered 22nd July 2009)
al address: Ni T¢wland Street, Witham, Essex CM8 IAH
islercd chari
Chari
rinci
Declarations
The trustees declare that ihey have approved thc knstces- report al)ove.
Signed on behalf of the charity.s trustees:
Signatures:
Full namcs:
Revd Lorna Bantock
Mr Antony Deighton
ChuTch Secretsry
Position:
L inister
Date:

tyames of the eharitv trustee% i¥ho
the ebarih.
Rei,d Lornu Baniock
"illiam Kenned). until 31 St DeLember ?02)
Gavin Mccall
Antonj Deinhion
Fenella Hardie until J I" DecemEer 20?4 Keitli Meredith
lan Hardie untsl Jl. December ?LTr?4
Murjel Heppin51all uniil il" D¢¢ember
Allwyt] Raikumar
DaiTd Wellings
Ian Hunt unlil 5
,Varch 202)
Sarah li'ellin

WITHA,M 15NRTF.D REFOKMED CHURCH CHARITY
STATF_MF.NT OF FINI ANI CIAL ACTIVITIES
FOR THE YEAR F.P4DED31 DECEMBER ?024
LDrestr*ted Fvnd5
Restric￿0 TOT.4L TOTAL
Gtnefal Trtsign%ted Fuods
2024
20
I,%CO%II.I'G RESOL.RCES
rxinÉiIion5￿d ICVLICS
121kY)2
4)881
8M2
93
1125
9660
8117
-rot￿1 incDrnI
rttourtts
25150
47006
22M14
218(KlY
RESOLIRCES LIPE%'DEO
365
0188
j6
LTrr C %4tnistry' &. Ftsnd
0188
15?
1359A
13969i
13231
fif3tU4 PJ!'gbl¢ & d(￿￿11￿
EI?8T
21117
TDtAI rtsoutces eXp¢￿d¢d
17
779
YEt rntoJncl(eipendilur¢l btfor¢
trgll5fèrs
61
177811
fJN?5$1r4Thsl<Th I￿￿£¢0 lunds
13(
IiV6O1
N¢t inco5nellexptnd1tu￿) btfore
re¢ogoistd E4hins (losses)
820
2J?J
13220
moi¢meni in fun
Toiol fu￿d5 wfY+YI I 21J24
2436DI
1733*
30D169
ToL*i dfH"d 31 Detembtr 2024
(Tr4Dte 17)
Antt1%3is of th¢ ?OJ) Iithwres a]xNe is set out ?
The noi¢S on pa￿e5 lj to IS form PllTt of these financi31 strtrments
io-

WITH.4M UNITED REFORMED CHURCH CHARITY
BALANCE SHEET
AT 31$¢ DECEMk BER 2024
U•¥e51Yirted Funds
RE5trirted TOTAL. TOTAL
Geoernl
Dw.nJted Funds
2024
2023
FINED ASSETS
26(￿0
30763
31773
CIIRRE%T ASSETS
350
350
2813i
229920
354
2i542
245391
Dvbto
C&h #t bank w¥J in ha￿1
101
189J18
6034
3016)
10437
Tothl current assets
211419
107
36199 LTr8405
271287
CURREIYT LIABILITIES
CN.diior5-. amounLS r￿ling due within
l >ear
14
119
2L?I
1892
ETCiSRREiYf A&SETS
?09317
10787
36080
2)61¥4
268396
TOTAL ASSETS LESS CURREIYT
LIABILITIES
36543 286949
300169
CrLdilor5= 11m￿LI falling due I
ye￿1
15
TOTAL PIET ASSErs
THE FUI%DS OF IHE CHARtTY
UnTL¥ridcLI income funds."
?35j97
2>5397
15(M)9
?43(A)4
17332
DLSrSr￿d
T tAlunr
16
150
%trltted fuudg
Rcs'triaLyI Income fund
E7
36)43
36543
786949
3t4)169
L7
71£ E {d2te)
ApPRo￿￿D DY C,>TURCII N4EFTIN'G IIF.LD ON,
& SIGN'ED O%f ITS DEIi4LF BY REVD I.ORNA BAN￿OCK (CHAIR}
ie noies on pages lfj th 18 fonn pan of these fmancial staiements

WITHAM UNITED REFORMEO CHiiRCII CIIARITI
riOTES TO THE sfATE.IIEI%T. OF FI￿..A,￿CIAL ACTIVITIES
FOR I"HE YEAR ENDED31 DF.CEIMBFR ?If4
.4CCOUhTI,%G POLICIES
B#.si% of Aeeounting
'rh¢ ChariTY constiiutts 3 Public Bentfit EntÉiV AS defmcd bv FRS I￿1.The accounts (financial slatements) have
wepartd in accordallce i¥ith the StsteEnenE ol" Rec4)mFnended PTacticc." Accounttn¥ and RcportTng by
Chorihes wcparinL) ih¢ir aru)unis In aCCOTdancc Aiith ih¢ Finanrial Re[￿ing Ssandard applicabk in the L,K and
Republic of lieland IFRS 10:. l ISSU￿ on IOJUIK 7014. the Financial RLi￿r[m(￿S￿dard applicable in thc UK dnd
RL'public of I￿land (FRS 10?% the Chariti¢s Aa ?01 l ond UK Generall> .4tcepscd Prnttire as il applie5 frorn 1
SdDUiifi JOI %
Tlie ￿n￿c¥&I Statements huie Iwi prcparcd to ve A "mie and fair. vieu 8nd departed from the Cbgriiies
(.4ccounts und Rem) Regulations ?008 onlv 10 the exlent requiied ro proi'ide a 'm]e and fair, view. This
deparnjre li￿ Irt￿01¥¢d followtti¥ AccoLthltn4* and RepOnin<￿ b!. CharÈtie> preparing their acthunts tn a¢cordan¢c
%¥iih the Financial Reporting Siandard applicable tn the L:k and Republit ol treland {FRS 102) issued on 10 Juls
9014 raLher t1)￿￿ ihc Accouniin4Tr and Riporting b¥ Charities: StaiemLIii DfRecommendcd Practice etT<cttYe from
l ?005 w'hich 55nc¢ been 14.ithdrni%n.
TIR financial w*ments are prepured on a eoiDE concern basis tsrrtler the hisEorit Cosf con*eJiion with iterns
re￿o￿A15cd at cost or TraI￿￿¢boTh value urjless 4)thernÉse sDted the rel￿.￿￿ notes to thege acc(bunts.
Ib
FuDd AccDunt¥Dg
LinreitrictLd fund5 are available for al the discFerson oftht thurch in furthwdncc of its Lhariiablt objecliits.
R¢stricted funds arl" subjected to restriciion4 on their Lxpendtture Èmp)sed b%.. the do￿r. or CDntsined the tem)s
Tongible Fixed A$5cts
Freehol￿ prDP¢rt>':-The sole Trumee ofthe chuTcb buildin¥3 and the MI￿5¢ is ihe URC £F.aMern ProiiMce} Tru51
which holds them upon trus1 permitting ¢xcupaDcy bv I4￿11haM URC. The currtni manse: at ?4 Siion Drive.
I[th￿￿. is in the Eastern StrTod kne Sthtrnè. ExpendiiwÈ incurred bv the chariiy on th¢ thurch and manse is
Ivritten off in thrye2r IE IS 2ncJ]rtd.
FJ4uipmenl; Deprbciauon 15 applied in a *rni£ht linc oyer a ￿0￿ of i To ?) lears. ralculated iu wriie off assets
QV¢T th¥ir esrimaied useful Ill￿. knNtept thai Iiems coslin(p le&% than £TriO are wtiEten olT in Ihe yeaT of purchase.
Stock: Siock in the Church Cafe is N2luedat CDSL
le
Debtors: Debior$ are m¢8sured initial rtc0￿11iOn a1kldern¢nta￿0uni.
Ir
Incomlng Re8our¢e%
Doii?tions arc rccogniscd as in¢0￿e th¥ donation is Teceivcd. Tr w reclaimed on Gift Aid donartons i)
re¢ogoised in the period ift ivhich the donation ts made and is ￿l0¢￿ted w ihe same fund a5 ihe donation.
Legacre5 /rc accounted tor the Feceipi is prnb3ble and c2n be rKoperl> quaniified.
All other 2nc(￿¢ 15 gtnernlly reco￿tI ised i%h¢n $1 15 receivable.
The Yalue of volunÉari help rtceiied ts n(* Énrlulled in theaccounts but is dtr<ribed in the trustxs" aJ)nual r¢yort.
l¥
liosources Expettded
R¢5DUTEt5 e.xpended rec￿￿15¢￿ in ihE period in ￿.hICh the¥. ar¢ inCLtrTed and include attributable VAT *'hich
cannot bc FiC￿ered. ¥re all0Ka￿d to the partityFarxiivity to the). rrlatt.
Creditor5 are M￿ured ar Settleme￿ amounL
Ih
As i rLW%ttred cbarity (Reoistralion number I1"3Q6EA from ))Jl.Tr?rA>9). Ihe churEh ￿ an excEpled ck7dTiI)' ￿'ithin
Ihe meanin(t trfihe T&¥es A¢t& Arcordintsl). it is POE¢ntsallv exfmpl from ￿larion in Te5peci ot incomc and captrial
gai515 fLXtS%'vd EO the cstlni sucb inwme or gaiDS Jreapplied 10 ¢Yrlusively chatiiuble purpl￿. NoPro￿T0A
ror ￿Ka110n boen Diade in thesc fmamcial Sta￿¢￿￿.
Ptnslons
The chariry initsaied a dekintd contrtbution pthsioll scbeme in Aprtl _￿1? ContrIb￿l0￿S ore Char￿ed as
dYpenditllr¢ as thev be<oMe pasable.
i?

WITHAf*l UIYITED REFORMED CHURCH CHARITY
NOTESTO THE STATEMENT OF FIN'ANCIAL.4Cm'lTIE5
FOR THE YEAR E￿DED 31 DECEMBER 2024
Note
20J COAMPARATIVE FIGURES
Thc anal5%i& of Ihe ?O?i comparnEive iiTrures inctudthl in the Sil￿nie￿I of Financial Auifvitses a￿)￿￿￿ is ¥¥
follm15
UNrestrirled
GeDv•l
REStTitttd TOIAL
Fuods
2023
IYCOMI%G RESOL'.RCES
II)¢ODlt and L'ndoiiTr¢n￿ Iroa)=
t)()li￿10}L4#Dd kgaLl￿
11916Y
39859
IS9r)?$
7311)
38
71?0
969
RLSOLIRCES LiPE%DED
LKpwdilLrethi:
FL'ii%*ii= tiio&s-
CL￿15
365
469i
95708
ol'chDrth xiiN>lie*
GrJni.q Pal'J1ble & restr￿￿kddQ￿2II0￿%
?97811
lJ969J
13?jl
Total rn$our¢es Èxp¢rtd*d
143M5
i ¢1 *nrumoll¢%￿￿IdII￿Tt1 befprt
tr3Th5ftr5
11025
i6b7
£1?9)41
tt in¢omelltxpenditir¢l brforè
rttognistd yins{1tr55ts}
2379
17788
'èt ity fllnils
18312
2379
i?
Tutyl funrts blhyd l 21J23
421J6
2t2381
TuT¥I funds 31 DettmbEr 2023
24J61M
1733•
300169

I nrestri¢t¢d Funds
Ge&¢￿1
Desiyllted
Resirirtel TOTAL TO'IAL
Funds
zo
21ll3
DO)ATIOYS & LEGACJL
(jilt friid d()ndiiiIu￿ and vtrertorie>{1187J
97J?
97L?4
9)451
SpiXJ31 ull-¢rii)g% and d4)rraii¢AI
In(￿ne,￿￿ r¢151nds uodiy Q¥itt Aid
248
36063
?S014
15CQ
69
i5089
1?1kn9?
45&81
166£4?
CTIVITIES FOR GENERATIN'G
FUN'DS
ChurchLLYrirhQ
l)rop*lO C-ii*Y¢e Q-thir¢
Job R¢iniion GranL
(.iiJif¥ Shop
Oih¢r tUndr)i%1￿ LicllL
C8piLtiI Grani￿.DorrdlI￿￿s
75057
3113
17
9rxi
67&1
47181
8127
LOSTS OF GLNEIL4TI_NC Fl.1￿￿$
Ji¥tSTERI.4L COSTS
365
h.14in%L' repairs
36)
365
36)
MTh'lSTRY &. MISSION FUtsD
rhe church contributes to the Cert￿] URC costs of trnin2nth and provtdints mini5rer> {including ih¢ tEntr41is¢d
Po!rn¢nt ot"¥iPinds. pension contri1m￿￿o￿s and other bcnLfrts for miniMers). runn￿1)g the ¢Jenoyninatson. and the
s'idLY nii5StOT] of thL naiionJl church. In 70￿? UnTeS￿l￿ed sncoffte or-the bniied Rtfomie4 Chvreh Trysty1
aniounted EO 50rnc £18.6 Millio￿ 88Of• ofmthich iYa5 provided ihroush th¢ Ministy" & Mission Fnnd Contrtbuiiofis
rFom chiifv,hes-. unftslti¢ted ¢xpcndibJre arnc4inted to somt (19.5 million: 814 Dr which reknied ￿ Tninisterial
14-

C￿ljItstrIctEd Ftynds
Gener¥1
Restrieitd TOTAL I'OTAL
2024
2Q23
COSTS OFCHURCH ACTIVITIES
CHI;RCH LO%TS
UtTls1i￿￿ & in.<uranc
?LLIK
12566
13801
1?OD
214i
-3113
l.ic¢nttsAnd music
5Trioll cquiptn¢DI
runAins ¢os
L?68
1%19
604
1.6)
604
5JSII)
1?63
5tA17i
5¢)579
TEACHISG CO_8T.%
r.hlldtt'rt knd )QU￿, Fwle
Adulis progrntDtri
Youih po4or¥lJry" li￿1. Fthplv!¢ts N'IC)
Youth pwor<xpewses
Ili9
1831
1139
J4?2
59fi
31167
766
3136-
766
?970
33lt!3
315119
CO.11)IL'.N'ICATIO.NS
TelLyhoRL'
?539
18iO
R¥Trout3phi
Lhufvhcs. Too<1￿
80
2930
-3224
OTHER PROGiUII*IFS
inibus C05L4
OIliLC & Bulldin￿ IlarwL
?Iy3
?195
1.?884
15073
111.37.1
441fi
11475
Iltr>P51471 ji%, C)utrurh l)ir4X
ShoF
liOi3
49.)n5
4331
.TrFWLItiQD vf furn1m￿&. rq¥ipmu
8¥5?
12?4
r.IL4NT.% PAI'ABI,F. & RFSTRTrfF.D
ONATIOYS PASSED O
I1?81
IL?4?
LRL Cuffjtn?Im¢ni i-or Lifc
CTh￿￿[1zll Aid
•64
977
977
51
951
674

TOT.4L TOTAL
20?4
?0
P.41D E,41PiKPYEE5
ios15
73770
7LW7
I".niploi'y's N'aiionjl >JLwrJnc
Lniploi'<r > ptW51)ll LonthThuliDrts
J616
'loul.SialYC-D>LS
7?253
Tbe¢hAf*14"bad 7Dari-iim¢ eY￿k￿￿¥¥ duiing
A%erao¢ numkr nrrull4iJnet<piiTr'hknr
2024
comribkii￿()n pension ¥L￿￿Tht & tmpkn'&
I￿4) are
k¥pgnth"lure Js b<L*nJc pai'abk.
There wer¢ no ¢JNploN"¢es iiknose ¢nx)IuLTWI
e1c￿￿ed fi4J.LNKI durinbb 10?4 OF ?IP3.
Ui"N no r412(eJ F6Jn%' IiJnwivAs
12
I'.&NGIBLE FLNED ASSET5
F￿&
EwitJ.
TOTAL TOTAL
2O1J
Cost
roiE4hi I-￿r￿.1￿] l J2fiU#n" A￿24
Addiii¢)ns
I)i%PD5&1s
198173
215Y)13
4340
(oi
{0)
Catzied tor￿3￿￿ 31 2024
ID5961
1197
D*pre¢i)TlQrt
BrDuohL IDrnwd l JIn￿ETh ?fp4j
?QiBJ
171396
191580
18¢J569
Chawed durin*
63?9
101
10911
101
15yr%id lon%Jrd 31 1XYL￿F￿y
!70
IY772j
2(W32
'ct I'alut
At 31 DLYembtr 2024
1421
28242
JD765
31773
AI 31 DLYemTrxr?02>
Th2Tr no faP5tal comnTrMents M tht
>e£lr cnd.
F(Jr the re&sons Siaicd in Accouniin8 Polic￿ noit l< ihe thurch buililinJo are noitan2Trb le fLxed awts of the churcli. For
sn%vrancL' purposcs ib¢ church buildin¥ arc It￿llred by the church for £6.62j.73* TIK churrh conrent5 are insured by
Ihe church for£3.$4,018.
16

LIAfÉstritttd FDod5
Restrict￿ TOT.4L TOTAL
Ctrteral
Desi￿#￿￿ Funds
21ll4
2025
13
DEBTOIL
l.etEÈnss irt arres
4?94
Ixhcr prcpayThmi
15ii
21)40
19618
l.t8xTh exrKci¢d
14
CL,RRE&lT LIABILII'IES
Room Hir¢
I,'tslitit% In arT¢aY%
3i8
17(
338
17fA
239
2L?I
15
DEFERRED LialllLITIES
{.￿'dIl￿r$Pal."Ublg Jft¢rniotL' oneiear
i(k
DESIGJATED FL'NDS
ThL church ome.4 1%1.'o Desjonaied Fund5 1*7th ih¢ encwrdgetneni of Church Meeting:
PltdLTre Fund- this r¢¢eifvtd ofthe b￿lSett￿ (kneral Fllnd direci plu5 a55OCiaEtd rtcoveo.. The fund is
￿￿d io makv Christian oTraThi5aiion5 w'hicb the church M55bes tu 5UPWrt 35 of ILS iT]iSSiOn Outteach and
emcrseiic¥' and relief M'QTks. The Fund is administered b). a eroup of rnembtTS. the Ple￿￿e Comm?ttee. and irs
- Th¢ fijnd baknc¢ provides krnmt411trre5￿[LSe emeryeney mon5es
recoinmtndations art appro¥cd ￿. Church %leeiin¢
should ne¥*d arise bdweth Church Meetin><.
C¢niTL. FuHd- this is used ID fuvd tht F?rtnus acti¥itiC5 whjth t3k'e plac¢ in thc Cent¥c. TrO￿Fer5 arc madt to th¢ Gcnernl
FU￿d. ThL Fund is sU￿r¥I5Cd bw the Finance & Ctntrc Comniiiices. Thc fund balaDce providcs onuoing capi(al.
16.1
The tyoi'tmènts Oli tb* DtsigDit8d Funds duri]ytbtytarwert:
Pledg¢
Centrt TOTAL
20*4
TOT.4L
?lJ?4
"rr40.%fkY frowltiol &'nLrJl ¥"tlDd
15857
(I¢XYJOi
It3(
130b
33
rop in LoiYe¢ Lentre..fcThiri SIN)p {*( N'otc 4)
Oih¢r fund-Ea5%I￿D e¥Lnts
?505-
1*781
43788
GrJniS l.liont DTrcr£ltky)
Ik'prttitsiis)rt
l)i<)r Buildtfto refutb￿￿mL.
Vur£ba* o?"srnJll LNuipmentln0ncm￿ VYII
Drop lft Coflee Centrei Shop{sttNo* 91
{1 T28U}
{1?14?
115fj01
tIS1741
11$014
Elalaorc 6fwd 31 DthxmktlP4
ISDI
13508
i￿09
17-

Not
RESTRicfED FUIYDS
The chvrth acco1￿￿ include three Restriued Funds ￿he￿ zhe rnonies ¢2n onlv be ￿)ed for the specific purpjse forivhich
thes. K¥'ere enirusted 10 the chuTth. Thtn)onie5 we not &the dispo￿1 of ihe Church P*leetine forany pury)ose and rypres¢ni.'
YoutF( Paslor Fund- thi chur¢lJ h&s appjinkd a part-timt Youth Pa￿or afftd part-trrnt Associate Yothh P&%tor, on a jo
share. pald by spec£fi¢ Qkifts and IvranL% Tri%ed ftsr their dtrert supporL
I 155ion fund - in 70?-i a nurnber ofpeople begin to 21￿ M￿e¥ S￿lf￿all¥ iu suppon the efflplo!Trent of a KirLhen
tnanaijer (re￿n?￿l a FIIE*piLilÈÈv Map¥r>. Foll4)Wi￿o a r¢teni church mc¢riJJg d￿j$I￿n. the morKy Fs betDV ¥iv¢n io
5uppon ￿lder mi55ion oriented staftchanoe
Speetal Collections Fund - at ditrereni tinKs of the )'ear Mon￿ arc ni5ed the chllrd] TO SUPPDrt specifjc cbaritsble
project
17.1
The tht lkn&%fktttd Fufids duri•g tb¢ **e."
TOTAL TOTAL
P*st•r
rolttttlon5
2025
955
42136
OtferinJ & do11￿[￿n8
IFlCQfflC'lai r<-lUn￿ Aid
2£91S
5914
?187
37#1?
34(XTr8
3851
21
tjatik In￿1£￿t
1124
1114
969
67231
21S7
8623¥
Yowh P&sior&kn. lit5c cnpkn'ws NIC!
{ili66J
18L))
31366} 129166)
I8S21
11 J4471
6rnnL4pai*bl¢ & rc5Erictcd doDthtOn5Pts5￿l
{14461j
(?18
I I l9431
ei'tknd •} Ix*¢mber1￿
i49X3
1560
36%43
%peital itslleiLions *¢ detstled 10
OTHF.R ASSET5 HF.LD BI, TRiISTEF.S
The Tn]sieeg ufthe cham. are. ￿." winueoftheir office as Elders oi the ChurdL also trustees of the I￿.1￿arn Briiish Schoo
Triisi. AlthouJrTr this13uor Trust sljares trusiees Wirtl the chariTr its assets eniirel}' sep￿￿ gnd do noT appear in ihes
LLLoun
TREASiiRER)S STATEME.YT
I hake pKFircd ihe finatLciuI statemeni on pages 10 w 18 for Ihe it4r tnded J l Dtcemtr￿rtifJ24
lan HardTre (4"wnE)
sjorwure
?8 Februari (d*)
18-

WITHAM UNITED REFOILMED CHURCH CH.4RflY
FIPiAf*CI.4L STATEMEL¥TS YEAR E.YDED JI DECEMBER *I)24
lJYDEPENDEI)'T EXAMINER'S REPORT
Independent ExArniner's RepDrt to the Trllsteos •fWithts]D URC Charfty (tlwn'ty number 1130664)
I tepon die accounts ofthe Witham URC Ch3rily fw the vear ended31 December2024 which are sez out on pages ID
to 18.
Respertlve re5pon5ibiliTies oltru5tvs and e￿wITh¢T
Th¢ ¢hur¢h"'$ trustees are r¢sw>nsible forthe prwararion of the accLwnts. The church.s tn￿te5 consider that an audit is not
required forthisyearujsderscction 144 ofthe Chariti¢sAa?01 l ("the Charni¢s A¢f') and that an Independ￿[ examination
15 needtd.
li is m%. responsibility 10:
examine the &ccoun¥s under section 145 of the Chariiies A
foltaw d)e procedures laid ID the gerter￿ Directions gi%en by Charity Commi&skon IwJ4¢r st￿10n
14S(5)(b) of the CtLaritte5 Act)- and
to stale whctherparticular matters hasecome to mv attentio
asi5 of IndepeTrdent Ex*miner's Ststemtnt
M) exdn7inariwJ wsk5 C8rried out sn accordance with.(veneraEDÈteetions gii-en h. the ChaTiry Con￿15510￿. An ex&ninotion
iocludE5 a review of the a¢iounting rtcords kepi by the cltwitv and a ¢oJnrAfi5on of thE atcounts Presented with those
rccords. li also includcs con55th￿l0￿ of any unusual &lems or disclosuTe5 in ihe accoun￿ and seeking cxplaihatiorLS frorn
the t￿lee$ con£¢mint surh matters. The procedures undertak¢n do not provÈde all the evidence thai wouid be trquired in
an EudiL and r0Th5CqUrntI) no optaion is gtveD as ro wheth¢x th¢ a¢¢0￿$ present a 'lru¥ and f•sr vi£w and the report is
lfftniiied 10 those niatters sei out the s¢atemtni belom.
Independen¥ F.Taminer's statement
ID co4neciion with my ex3minttrion. Jjo matter h&s com¢ io rn> attention."
(l) wthj¢li ¥•i*es me reasonable couse io btlte%* that irt any mawial wespectthe requiremenrs
io keep aLCou￿rE#s record5 jrt acCord￿Ce i¥'ith 5euion lio of the Ch3riiiesAc£- and
io prtpatt Htrourtts whi<h atcord the accountÈn8 records and compl%. the actouniiJs r¢quiremenrs of
the Chariiies ALt hi*e not becTh metr, or
{?) 10 ￿.hll-
. in rn¥ opinioJL att¢ntion should be drawn ill ordw to ¢nable a proper understsnding ofthe accounts iQ
be reached.
Signed bv the Indep¢nd¢ni EvTniA¢r.
(date)
Name. Prof￿1￿￿41 gualific3tson 2nd address of Ind2peoduJiExamitKr.
ERIC NF.LSON
11 CLIRI,FWCLOSE
KE.LVEDO
COLCHESTER
C05 9PJ
19-