2025-12-31-accounts

Financial Statement and Report of the Trustees For the Year Ended 31°** December 2025

For

The Rectorial Benefice of Eglwysilan and Caerphilly Also known as

The Caerphilly and Aber Valley Ministry Area

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The Rectorial Benefice of Eglwysilan and Caerphilly is a registered Unincorporated Charity; Charity Number 1131172; which is also known as The Caerphilly & Aber Valley Ministry Area. The principal address for the Caerphilly & Aber Valley Ministry Area is, The Rectory, Rectory Close, Caerphilly, CF83 1EQ. Our Trustees are elected yearly at our Annual Vestry Meeting by proportional representation from each of our church congregations. Anyone who is on our electoral role is eligible to vote in these elections. The Trustees appoint the Lay Officers; the Diocese appoints the Clergy. The Trustees have complied with their duty to have due regard to the Charity Commission's public benefit guidance when exercising any powers or duties to which the guidance is relevant. New Trustees are provided with induction training and are briefed on their legal responsibilities by the Ministry Area Leaders.

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Report and Financial Statements For the Year Ended 31** December 2025

Table of Contents

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|||||||||||| |---|---|---|---|---|---|---|---|---|---|---| |OBJECTIVES|&£|ACTIVITIES|....ccssesscscccececesssceccccesccesessssseccecececeessnsecceccecceseesssceccecececesecssenseceeeeeeessssccscssseeee| |Teeeeee|e|eeeeeeeeneeeeeee|e| |HOW WE|ACHIEVE OUR|CEIECTIVES seveerccevcocerssscersnevessouverserysvesstieusivace|eiscopeivavtersavenienshencivaaninixeintaesmnanssnt| |The|programme|of|regular|public|WOrSHIP|1M|2025|...cccccssscsssscsssesssssesssssssessssesssssesssessssessesssesssesssesssseses| |To|provide|sacred|space|for|personal|prayer ANd|CONTEMPLATION|.....ssssssesssssecsssseessseesseeceeeeeeeD| |Pastoral|Work|[..ccccccssssssssssssssessessssussussussussussssussussussussssussussssssssesussassusssssacsussesossasssssussssassasoussssessesssssssisssssssesesaessesesee]|D| |[Cathe|ad| |Promoting|the|mission|of the|Church|in|WaleS......ccssscssssssssssesssssssssssssssstssssssssssssssssssssssssssssssssssssssssssssessesO| |ACHIEVEMENTS AND|PERFORMANCE.....ccccccccccccccssssesscssccccccececccesssssssececcescccccsesssssseseecscccccsescssssssccsssseees|TD| |TOOa! aee| |Cc:eee|nT| |REVIEW|OF|CHARITY'S|FINANCIAL|POSITION|AT THE|END|OF|THE|PERIOD|.....sccccececeessssnceececececessssssecceseeeeee14| |NAMES|OF|THE|CHARITY|TRUSTEES WHO|MANAGE|OUR|CHARITY|.......cccccccccessssseeeceececccceceeesssesssececeseeeees|10| |STATEMENT|OF|TRUSTEES|RESPONSIBILITIES|sccsiscassnnsnncwnencsseanexcasanenmmevonccemsneninirevmensonanenieeavivenssievsce|UT| |NAMES AND ADDRESSES|OF|ADVISORScccovrvsconconssconcesessveonrsavsevanesestsnresenssncrinnveuserverssiaeenrerenseeeneiesiamenres|FO| |INGEPeNdent|EXaMiMe|rnc cccccccsecsecsecssessecseessessessessnessecsessessecsessssssessessessessessssssssssssessssesnssssneeensesseses|18| |inF.| |AL CHIt@Ct|on csecsccsecscssesecsessssusssssussecsesssssesussussussusssssssusssssussususussussussssussussustssissustssustsustusnstiststititisssttetetsssses|1B| |PiaeT||| |INDEPENDENT|EXAMINERS|REPORT|ON|THE|ACCOUNTS.|....cccssssscsssscscscssscsccccscsscssssssscscccscccscccscscsescceceseeee|1D| |FINANCIAL|STATEMENT..............ssscsssssssssscsssscsssssssssccesscessssssssssssssssssssesssssssssesssssses|20| |NOTES TO THE|FINANCIAL|STATEMENT......cscesesessssesesssssssscssssescssscecsscecesescacecencaceceacacscstcacectcesececsacesseeee20| |STATEMENT OF|FINANCIAL ACTIVITIES|(SOFA)|.........sesssescsssessesssssceccessesccssesscessesscesensccessecsessecseeceeseeece22| |BALANCE|SHEET|(FUNDS)|..............:cececceceseeseececcecesceceecsceececsassceassacacsacscsscssesesscsssecsesassctareesseesseseeceeeeeee23| |CHARITABLERECEIPTS 8|PAYMENTS|«-e-cecssssssssscocssssoncnsesesssscesesucsessnssensnentessssssstecsecsereseseserereceeaseresesosesecesecceoeeeee,...24| |DONATIONS|..n.n-nenessxnnnnssna|nessasnacoxansvensrosusesnsnnsivexeneswneeouevsoupviyaseieviereevessvevevorcesesrrereveneauecuce|BE| |FUNDRAISING|EVENTS|stenteeesecsseececsceecesesecesecesecensscnsceescssscseesccnsccnecsesceccscscecccscsnseconsccecscesccseccscesceesces|2D| |BALANCE SHEET|(BANKS)|sdicssisouwsocsuoaaoerquaenenusewennnaduawontenbsissisivicnvhentibteseasesuuconseneeveveresveseseseacvewaseceessvewmcece|#O|

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Report of the Trustees

The Trustees, who together form the Ministry Area Council (MAC), present their report together with their Financial Statement of the Charity for the Year Ended 31° December 2025. The Governing Document for the Ministry Area of Caerphilly & Aber Valley Ministry Area is the Constitution of the Church in Wales. The Trustees are aware of the Charity Commission guidance on public benefit and that they are responsible for preparing the Trustees’ Annual Report and Financial Statements in accordance with applicable law in the United Kingdom.

Objectives & Activities

Objectives

The purposes of the charity as set out in its governing document are:

• e To provide regular public worship

• e To provide sacred space for personal prayer and contemplation

• e To undertake Pastoral work, including visiting the sick and bereaved

• ¢ To provide Teaching of Christianity through sermons, small groups and assemblies in local schools

• ¢ To Promoting the mission of the Church in Wales in aiding community interconnection, through provision of activities for older people, children and other specific groups, we also allow community groups to use church buildings for community meetings and events

How we achieve our objectives

The programme of regular public worship in 2025

• Sundays

• Weekly Eucharistic Services at St Martin's Church Caerphilly at 8:30am and 10:30am

• o Weekly Eucharistic Service at St Catherine’s Church Caerphilly at 09:30am o Weekly Eucharistic Service at St Andrew's Church Caerphilly at 11:00am

o Weekdays

• Weekly Eucharistic Services at St Martin's on Tuesday at 10.30am

• o Weekly Eucharistic Services St Andrew's on Wednesday at 7:00pm o Weekly Eucharistic Services at St Catherine's on Thursday at 9.30am o Monthly Prayer Meetings at St Catherine’s Church on the last Monday of the month at 10am

• Monthly Wholeness & Healing Services at St Andrew's on the first Monday at 7pm

• o Monthly “Messy Church” at St Martin's on the fourth Sunday of the month at 2:30pm o Monthly “Messy Church” at St Andrew's on the second Sunday of the month at 2:30pm

• Monthly “Vintage Messy Church” at St Catherine's Church Hall on the first Saturday of the month at 2:00pm

• In addition to the regular weekly and monthly services, we also have a number of occasional Services throughout the year including Advent, Christmas, Lent and Easter.

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During Services, a team of Lay Volunteers carry out a wide range of duties before, during and after services to support our Clergy including roles such as Welcomers, Sacristans, Readers, Intercessors, Crucifers, Thurifers and Eucharistic Ministers. Our volunteers also help with the cleaning of buildings, overseeing maintenance tasks, arranging and facilitating community use of our buildings and welcoming visitors. We have a dedicated team of volunteers who ensure that people feel welcomed and supported for life events (Baptism, Marriage and Funerals).

To provide sacred space for personal prayer and contemplation

Sacred space for contemplation and worship is available upon request in all of our churches. In addition, St Martin's Church has been open for visitors and quiet time regularly throughout the year. We also have a Prayer group which meet on the last Monday of each month at 10am in St Catherine's Church. We sit in a circle and a table with a lit candle on it is placed in the middle. We begin with a Bible reading, which is the Gospel reading as stated in the Church in Wales Lectionary for that day. We then say Celtic prayers from the Morning Prayer service of the Northumberland Community. Following this, there is about half an hour of silence for personal prayer and reflection, some people might say “The Jesus Prayer” whilst others may meditate watching the flickering of the candle light. There is no right or wrong approach to this silent time; it is up to the individual to use this time in whatever way brings them closer to Jesus. After about 30 minutes, we start our prayers again using the blessings from the Northumberland Community which includes the Blessing "May the peace of the Lord Christ go with you...". This is said or sung after every St Catherine's Church service.

Pastoral Work

The care home visiting team consists of one member of the Clergy and five lay volunteers, who are trained to give home communion in a care home setting and are a huge support in this ministry. We visit Abermill, which is in the Aber Valley and Ty Penrhos, Plas Hyfryd and Church View in the Caerphilly area. We offer a church service with well-known Hymns in the care homes and communion for those who wish to receive. We have formed a strong bond with staff and residents and are welcoming to all faiths. We currently have six parishioners requiring home communion in their homes. We are open to referrals for home communion and have mentioned this in the weekly sheet. The Clergy visit hospitals as and when required.

Air Training Corps

One of our Clergy has had the privilege of being Chaplain for 1223 squadron of the Air Training Corps (ATC) and visits them for Padre Hour several times in the year, mainly to offer the cadets a moral compass and the opportunity to speak out on a variety of topics to help prepare them for the future. ATC are regular users of our churches for the annual presentation evenings and have used both St Catherine's and St Martin's in recent years. They are keen to keep a good strong relationship with the church and are planning a Christmas concert for next Christmas in addition to their presentation evening.

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School Visits

Every Monday in term time, at least one member of our Clergy team visits the Twyn school to do an assembly for Year 1 and 2. During these sessions, when all four classes are gathered, we share a bible or faith story to help children see how it applies to their lives and say a prayer together. As it is not a faith school, we use very invitational and open-ended language to make sure that everyone feels welcome. After the session ends, our team is surrounded by children who want to share what's happening in their lives or what they are looking forward to. Through this work we have been able to connect with many families and children in our community who now know that they are welcome in God's family and in our churches.

Bible Book Club

Bible Book Club meets every third Monday of the month on Zoom to discuss a Chapter or a Character in the Bible. There is a different leader every time. The Bible Book Club is included here as the majority of our participants attend our churches but we also have long distance members who live as far away as Canada and Suffolk.

Club 707

Club 707 is a Christian organisation that visits schools regularly. At Easter and Christmas, schools are invited to bring pupils to presentations of Easter Cracked and Christmas Wrapped up at local venues. These presentations bring the message ofJesus to the children. We also havea literacy programme and go into the local Junior schools to help with the children’s reading, one of our members go into Cwm Ifor School weekly and have done for years.

Bible Study

As part of our mission to increase knowledge and familiarity with the Bible and deepen faith, our church runs two weekly Bible Studies, which are open to everyone.

On Tuesdays at 7pm, a group of people meet for hot drinks, snacks and a discussion of a Bible chapter. This is particularly convenient for those from our churches who are still in work, which is the majority of those who attend. This group has completed the Bible Course and the Romans Course this year and are currently working through Philippians. On Thursdays, we hold a Mass at 9:30am followed by a Bible Study at 10:30am in the community hall. Bible Studies are attended by people from multiple churches in our Ministry Area and focuses on whole books of the Bible one passage at a time. This group has worked through the Romans Course and Isaiah and are currently working through Revelation. Promoting the mission of the Church in Wales The mission of the Church in Wales centres on sharing Jesus Christ's love, growing disciples, servinginclude: communities and advocating forjustice. Ways in which we aim to achieve this objective Life Events This past year, our team facilitated twenty six life-event services, we officiated at eight baptisms, seven weddings and eleven funerals. The consistently positive feedback we received underscores the significant value and support these services provided to our community, which reflect the care and excellence with which these important milestones were handled.

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Community Café

We run a weekly Community Café at St Catherine Church Hall. This provides a selection of food that is free of charge, in a warm space, recognised as such by the local authority and supported by donations from our customers to help cover costs. The hall opens for hot drinks one and a half hours before the food prepared on the premises is available. Free food, which would otherwise be wasted, is collected from Supermarkets and made available to our customers to take home. The Community Café gives the people in our community engagement and outreach, tackling loneliness with nourishing food and cakes, which are all homemade. It is a place for local people and groups to meet over a cuppa and spend time together in a warm and cosy place. We welcome everyone, families, elderly and workers and anyone who is passing by. We have given community members opportunities to contribute their unique skills. From this, we feel a sense of a happy community over the project's success.

St Teilo’s Café

St Teilo’s Café serves snacks and drinks after the Tuesday morning service. St Teilo’s Café started fifteen years ago, with ten or twelve parishioners and has grown so that, most weeks there are thirty to forty people in attendance enjoying fellowship and friendship. Other than, during Covid restrictions the café has barely missed a week. Everything served is donated and there is no charge for the refreshments. Donations are welcomed and are normally between £50 and £80, the majority of which is given to church funds and some used to pay for Christmas gifts for children. The people involved in running the café look after the kitchen area in the church including the cupboards and equipment. It is a great success and enjoyed by everyone who attends.

Ministry Area Choir

There are approximately eighteen choir members, who regularly meet at St. Martins on Friday at 4pm. We practise for services, musical performances, learning rhythm, tempo and the choir's ability to keep time and follow musical cues. We hope to convey the emotion and message of the music with clarity and conviction. We have a role in worship to encourage and help us all connect with God in our worship together. During the year, the choir will perform at special informal fun singalongs inviting the congregation to join us and sharing refreshments together. We also go out into the community, mainly the nursing homes within the Caerphilly area to sing together in friendship and fun. We enjoy learning special pieces that we can all sing together. We are a happy group who enjoy singing together and sharing our musical experience and talents and there is always room for others who would like to join us.

Messy Church

Messy church is for everyone, it is an all age global Christian movement that offers a relaxed creative fun filled way to experience church. It involves creativity, celebration and hospitality and everything we do is in the name of Christ. We adhere to the UK health/safety/safeguarding laws as well as complying with the Church in Wales policies, risk assessments (activities, space, food), have first aid provision and ensure food hygiene is maintained. We have a couple of people who attend regularly as either a family or on their own, who see this as an alternative way of attending a church service, as well as regular church members who come along with children and grandchildren. We aim to provide an opportunity for children and adults to get to know God and

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help them to grow closer to him. Messy church is about worshiping God, fellowship, friendship and exploring faith. We welcome everyone and encourage everyone to get involved if they wish, recognising individuals likes and dislikes. We meet twice a month in two different churches. We are a team of approximately six adults and two clergy. We provide a safe, warm environment where children and adults come together to join in with activities, bible stories, role play, prayers, reflections, songs, craft and have fun, then sitting down and sharing a meal all together. Due to the time we meet, we have found that doing a ‘party’ themed meal works best and goes down well with everyone. On average there are between ten and sixteen children and approximately the same number of adults. Messy Church is self-funded by the leaders, who are all committed Christians working together as a team who love God and want everyone to get to know him and experience his love.

Messy Vintage

Messy Vintage is a form of Messy Church for adults and both are ideas brought about by The Bible Reading Fellowship (BRF). We meet on the first Saturday of the month at 2pm in St Catherine's Church Hall. Each session follows the same format. We have a theme taken from the book "Messy Vintage" written by Katie Norman and Jill Phipps which promises, "sessions to share Christcentred fun and fellowship with the older generation" ( if you don't think you are old enough for us, come and try a session, we'd love to see you!). There will be a Bible reading chosen for its power to get us thinking about the theme for the day, after which, there is a period of discussion on the theme as to how it moved us as individuals. This is followed by a craft time, the craft for the day is described to us in the book we follow but to be honest, occasionally we do not do the “official” craft and come up with ideas of our own! The intention is not that we should be brilliant at craft but that by doing craft of some sort we are using our hands, our brains and enjoying friendship. When this time is finished, the cake appears and it is always fabulous. We end by praying and then by singing a hymn or two. By 4 pm, we are on our way home. We believe that Messy Vintage offers fellowship, which soothes the soul and activities that sustain the body.

Knit & Natter

Our Knit and Natter Group meet on Thursdays at 2pm in Caerphilly Library. We get together for two hours to knit, natter and have fun. We knit squares that are made into blankets, also baby cardigans. These are donated to The Cwtch Baby Bank, a charity that provides clothing and other essentials to mothers with new-born and young babies. You can also bring in your own project or just join us for a natter. Caerphilly Council fund tea and coffee facilities at the library but as this was withdrawn last July, we started a tea kitty, paying £1 each per week. The kitty paid for tea, coffee etc. and the group decided the remainder would be donated to charity. The Council later re-instated the funding but we carried on with the kitty. Prior to Christmas, a donation was made via the library, for presents for children. A donation was also made to the Breast Cancer Unit at Ysbyty Ystrad Fawr. New people are always welcome, whether that be regular or ad-hoc attendance.

Gardening Team It was with great sadness that the gardening team has lost its leader this year. She was a keen gardener and besides looking after her own garden, she would spend many hours tending to the St Martins gardens on not only gardening days but also whenever she could find the time.

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• Our team has over many years through drive and energy, received numerous Green Flag and Royal Horticultural Society (RHS) awards.

• Things that we have achieved this year include: ° More flowers, especially daffodils, were planted in the car park garden. e The pots and bags on the south wall of the church were planted with a range of flowers and plants and the bags were then planted with potatoes as the flowers withered and new flowers planted in the pots.

• e The east rectangular bed was planted with French beans, vegetables, salad plants and strawberries.

• © The mini wooden fencing surrounding the “Cross” bed was replaced and extended and extra peat free compost was added as were additional plants. The RHS visitor was quite impressed and photographed it for his records.

• © The two circular beds alongside the Lytch Gate were built from reclaimed stone. Using the efforts of the Gardening team, we tidied and weeded with extra planting of flowers, mainly tulips and daffodils.

• e The Rectangular bed in front of the tower door received additional compost and planting of flowers with regular pruning of the roses.

• © A team of students from St Martins School help plant sapling trees along the west wall of the Churchyard. Plans have been discussed for additional garden beds and plantings in the Church grounds but this will depend on getting new volunteers onto the dedicated Gardening team.

Brick'n'Snack

Brick’n’Snack is a weekly stay-and-play club which meets every Tuesday through School Term Time in our Church Hall during the cold weather months. It is free of charge and open to anyone with school-aged children to come and burn off energy before going home for tea. We offer unlimited toast and hot drinks for parents and children alike. There is no programme or curriculum. Instead, children are given a selection of open-ended toys (Lego, Duplo, Kapla and craft materials) to play with as well as space to run around. This has proven a great resource especially for neurodivergent children who struggle with activities with rigid programmes.

Bell Ringers

Our ringers have had an excellent year under our current Captaincy and with more than a year of training our new recruits, we now have five ladies regularly ringing with us, this takes our band to ten ringers. This has transformed our band, which previously had been a diminishing group of ageing gentlemen. Sunday service ringing has been maintained throughout the year. Now instead of ringing just four of our superb eight bells, we now regularly ring five or even six bells. We even rang all eight for Remembrance Sunday and the Christmas Carol Service. We are a very happy tower but would still welcome new recruits.

Street Pastors Street Pastors are an organisation based on Christian ethics that goes out into the community on a regular basis, usually three or more Street Pastors (never less than three) on an evening patrol. We go out Saturday/Sunday evenings as a peaceful presence, talking, giving water or flip-flops and helping if anyone asks for help. We are not allowed to evangelise but if asked a direct question

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regarding the Gospel then we can answer it as best we can. Caerphilly Street Pastors also have a monthly coffee morning in the Twyn Community Centre (last Saturday each month from 10.30am to 1pm), everything provided is free, although donations are welcome, as we do not receive any help with our insurance and other expenses.

Caerphilly Council of Churches

Caerphilly Council of Churches meet three times a year and usually all the churches of Caerphilly are represented at the meetings as well as representatives from the Club 707 and Street Pastors, so all the churches are kept in the loop of activities in Caerphilly. We mainly talk about joint ventures during the year and how these are managed. The Remembrance Service in November is a good example of ecumenical co-operation and is very well attended at the Cenotaph in Caerphilly. We have in recent years, had joint Christmas Carol services.

St Andrew's Activities

We hold on Sundays a Eucharistic service that is attended by a congregation of approximately twelve to sixteen people on average, which is preceded by refreshments. Throughout the year, we have also had a lovely quiet Wednesday evening service attended by three or four people and a monthly “Wholeness and Healing” service.

Brunch Bunch meets on the first Monday of the month at Wetherspoon’s with eight to ten coming along. It is a Ministry Area wide club.

The Gardening group meet monthly at St Andrew's Church and during spring and summer children come to us from a local school to help. We received The Green Flag Award this year. The Café morning is on the second Monday of the month, from 10am to 12pm and is a church and community wide activity.

The Craft group meets on a Wednesday at 2pm. There are regular weekly activities, which include - Guides/Brownies/Rainbows/Slimming World/Marshall Arts.

St Catherine’s Church Hall

St Catherine's Hall is a popular venue close to St Catherine's Church used for a number of activities and by several groups, these include:

• Community Café - open every week and which relies on donations to cover its costs

• ¢ Brick'n’Snack - open weekly in the cold weather months e Vintage Messy Church — aimed at a more elderly group and open monthly, providing a safe warm space for craft activities with an informal act of worship

• e Bible Studies — weekly e Other groups using the Hall regularly are:

• Jump Fitness

• Aikido (martial arts class)

• o Rainbows, Brownies and Guides

• Slimming World

• o The Hall is also used for various activities like children’s parties and other Ministry Area activities including MAC meetings.

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Caerphilly Mothers’ Union

Membership and Meetings The branch is one of the largest in the Diocese and is proud that both, the Diocesan President and Diocesan Chaplain are active members of our branch. Our branch currently has fifty five active members and five indoor members. We also have the most number of men in the Diocese and Province. We met regularly throughout the year, gathering for prayer, fellowship, reflection and planning monthly meetings, which included guest speakers.

Worship and Spiritual Growth

At each monthly meeting, prayers are included as part of the meeting. The branch participates in the MU Diocesan Wave of Prayer in January of each year and the Annual Quiet Day, held in the Cathedral.

Outreach Projects

A major project is to raise awareness of domestic abuse, which encourages branches to take up the ‘The Rise Up’ Awards, Bronze, Silver and Gold Awards. | am delighted to say, this year, the branch achieved both the Silver and Gold Award.

16 Days of Activism; a global organisation against Gender Based-Violence runs from 25" November to 10" December. At the start of the sixteen days, the branch hosted a service, led by our Chaplain, with attendees from Diocesan branches, our local Women’s’ Institute of Caerphilly and Aber Valley and St Martin's school. Attendees were, given a candle to take away to light in their churches. During this period, members were invited to attend the Lady Chapel and share midday prayers.

Throughout the year, we continued our mission to support families and those in need. With support from our friends in the Community our Knit and Natter group, who meet weekly in the Caerphilly Library, made the following items:

• Cardigans for babies, blankets for Moses baskets and carrycots, baby and parent toiletries, all for the Cwtch Baby Bank in Taffs Well

• • Knitted blankets to Llamau (a Welsh organisation) working to support young people and children at risk of experiencing homelessness
• • Knitted blankets to Mental Health team at Caerphilly * Knee blankets for our local care homes

• Knitted items to the Ukraine

• Gift vouchers valued at £50 to our local authority for their Christmas Appeal, £100 donation to the Breast Cancer Unit, in Ystrad Fawr Hospital. The Library does not charge for use.

• • Therefore, members pay a weekly fee, so that donations are made to the local community The branch gives toiletries to the Tyfu Caerphilly on a regular basis, for both men and women

• The branch held a lunch to raise funds for the Diocesan ‘Away from it All’ caravan and raised £750. One member of the branch is a Committee member of the caravan team. Members support the church in many activities and twice yearly actively support the St. David's Hospice in their fundraising. Fellowship and Branch Activities To strengthen relationships a variety of events were organised: * Fun Afternoon Bingo * Visit to Llanishen Reservoir

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• « Visit to Blooms Garden Centre

• To strengthen relationship, contact has been made with other smaller branches and members invited to our branch events

• The branch participated in the Caerphilly Flower Festival. This year’s theme was ‘Pilgrimage’; therefore, the branch resurrected the Diocesan Pilgrimage of Tedi Pererin, which stopped because of Covid 19. The branch met up with the Holy Trinity branch at Ystrad Mynach and shared Afternoon Tea. The Tedi is now on its onward journey across the Deanery

• • The branch regularly supports Diocesan events and officers attend Deanery meetings ¢ Annual Christmas Lunch, at which non-members were invited

• All of these events provided valuable fellowship for our members, which was very much

appreciated.

Looking ahead next year Mothers’ Union celebrate 150 years. We hope to grow our membership and expand our outreach within the Ministry Area. We remain committed to Mothers’ Union vision of supporting families worldwide.

Achievements and Performance

Safeguarding

The College of Ministry Area Safeguarding Officers meet once a quarter, 50% of Meetings being on Zoom. Training of individuals, at an appropriate level has taken place online and in St Martins and other venues. Safeguarding is not just the responsibility of the M.A.C. everyone should raise their own awareness by at a minimum following the Church in Wales Level A Course, accessed from The Llandaff Diocese Website.

Outreach

A range of outreach and fundraising events were held throughout the year designed to engage all age groups. Several local schools contributed with displays of art and musical concerts. One of our churches is regularly used as a practice venue for Eisteddfod pieces. Local Schools and Nursery Schools also use our churches as venues for their Christmas Concerts and Nativity Plays. There are also strong links with a local school who engage in gardening projects in the church garden. St Martin's Church provided a variety of events including a Summer Fete, a number of concerts; including some provided by local Schools, local Choirs, an Operatic Company, an Ecumenical Hymn singing evening, Afternoon Tea with music and a day long Fete among other things.

St Martin's

The heating and lighting was in urgent need of replacement and as funding was available, it was agreed by the MAC to proceed with the project. After many meetings with the Diocesan Advisory Committee for the Care of Churches (DAC), Architect and Contractors the Church closed on 31* December 2024 to commence the work and reopened Palm Sunday, 13"” April 2025. We now have a brighter, warmer, welcoming atmosphere. During the closure, the Tuesday morning service was held at St. Catherines Church. The lighting in the Lytch gate has also been renewed. The wood block flooring has been sanded and sealed, which enhances the appearance of the Church. The organ and blower needed some repairs and servicing, this has also been completed. Looking forward, plans to redecorate the Church and upgrading the kitchen are been investigated.

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St Catherine's Congregation

Our congregation average ten to fifteen on a Sunday and thanks to Bible Study ten to twelve ona Thursday. We welcomed a much larger congregation when St Martin’s Church was closed for refurbishment. They were very tolerant when we broke loudly into song and provided a percussion accompaniment to the final Hymn. They also discovered that if they sat down they were liable to be given ajob;[this][is][our][secret] weapon[in] how[to] keep going[with][a][small,][elderly][congregation.][It] was great to see so many return on Christmas Day.

St Catherine's 25th Anniversary

We held two Celebration Eucharists to mark 25 years since the third rebuilding of St Catherines Church. The First Service celebrated with a High Mass, was to mark the anniversary of the conclusion of six years of fundraising. A former member, returned to act as Thurifer. The responsibility for the continuation of the Church was handed over at the end of the Service to our present Clergy Team. Then thanks to The Community Café, a lunch for the Ministry Area was held in the Hall.

The Second Service held on the actual Anniversary was a Eucharist with the Bishop of Llandaff. To celebrate the continuation of Ministry, the Curate who began the Fundraising following Closure and Demolition acted as Eucharistic Minister and the same person read the lesson she read 25 years ago. The service included hymns and Mass Setting from the original service, which included music written by the Eucharistic Minister. To celebrate developments in the last 25 years, the Community Café provided the Welcomers and the Offertory Procession.

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Review of Charity’s financial position at the end of the period

Financial Strategy and Performance - Our principle financial aim is to generate sufficient income to fund our activities throughout the year. The last few years have been difficult insomuch that our Outgoings have significantly outweighed our Income. During this report, | refer to Unrestricted and Designated funds as Unrestricted. There is an ongoing rigorous review to ensure that all funds are categorized according to their legal restrictions. This review will be completed during 2026 to ensure that the Restricted Label is only applied where a legal donor-imposed restriction exists.

Summary of Financial Activities

The net expenditure of £10,604 in unrestricted funds was comfortably met by our brought forward reserves, this does however underline our objective to improve cash flow through cost cutting and enhanced money raising in the coming year. For a number of years we have decided that our unrestricted reserves should be no less than £92,000, which represents a holding of six month's expenditure. This year our expenditure was maintained within this target and as such, it has been agreed to continue this as a prudent amount.

• ¢ Note on Designated Funds - Of the £344,288.58; as much of this money was realised from the sale of St Andrew's House. It has been proposed that £200,000 is for use at St Andrew's Church as it is expected that it will need to be rebuilt within the next five years.

• ¢ One off Legacies - It should be noted that the restricted income includes two “one off" legacies totalling over £202,000 (£144,508 and £57,785.) Without these legacies, our restricted reserve would have shown a net deficit.

• ¢ Asset Recognition - Our 2024 income included an amount of £107,142.86 that recognised the minimum expected income from the sale of the Parish Hall in 2011, the apportionment of the proceeds between the Ministry Area and the Llandaff Diocesan Board of Finance Educational Endowment Fund that remains under review by the Charity Commission. The Diocesan Board of Finance currently holds the funds. This is shown on the balance sheet as a debtor. Against this, we have an outstanding loan of £116,466.00 that is interest free, which is shown on the balance sheet as a creditor. This loan is only due for repayment upon receipt of the monies from the sale of the Hall.

Income and Fundraising - Our objective this year continues to be that we improve cash flow by cutting costs and increasing money raising. Whilst our Total position for 2025 is a surplus of £24,947; our unrestricted activities actually ran a deficit of £10,604, which highlights the fact that our fundraising, Stewardship and “Gift Days” are so vital. Our regular income is realised through

Page 14

planned giving via Direct Debit, Standing Orders and Numbered Envelopes by members of the congregations of our Churches. This year we have seen a reduction in some of our regular giving streams due to people moving away from the area and bereavement. We continue our Fundraising activities by staging events such as concerts and fetes together with café style occasions, which are a significant source of income. We also receive rental income from regular bookings of church buildings.

Reserves and Policy Recognition - Our reserves are not held currently, in a specifically identified fund. However, it is our policy to hold sufficient unrestricted funds to cover six months expenditure. While our policy is to hold £92,000, our current holding of £344,288.58, provides a significant buffer to fund, future strategic mission goals and protect us against the recent decline in regular giving.

Going Concern Statement - Based on our unrestricted reserves of £344,211, which significantly exceeds our minimum requirement of £92,000, the Trustees have reasonable expectations that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus, we continue to adopt the going concern basis in preparing this financial statement.

Capital Project - The plans to upgrade the Heating and Lighting systems in St Martin’s Church were realised at the beginning of the year. The funds for this were from funds restricted for use of St Martin’s Church and were available due to previous legacies and fundraising; as such, no unrestricted monies were used to fund the project. By utilizing restricted legacies specifically for the St Martin's project, we ensured that these donor-intent funds were applied correctly while preserving unrestricted capital for the Ministry Area’s wider mission.

Investments - We have shares in The Church in Wales Common Fund, which has continued to perform reasonably well. Investments and the Church in Wales Investments are restricted and do not form a part of the unrestricted reserves.

Financial Risk Management - Our Principle Risk is the decline in regular giving. It is a challenge that is monitored through monthly financial reviews by the Trustees.

Page 15

Names of the Charity Trustees who manage our Charity

whole year by
Lite cd La AreaLead rRevPauline PatridaSmith ~(Viear «
Jennifer Ruth Hall was appointed at Vestry 2025 as a non-voting Minute Taker to the Trustees.
There are no corporate trustees and none of the trustees holds title to any property belonging to
thecharity.

The Caerphilly and Aber Valley Ministry Area currently has no paid employees.

Page 16

Statement of Trustees’ Responsibilities

The Trustees are responsible for preparing the Trustees’ Annual Report and the Financial Statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the Trustees to prepare Financial Statements for each financial year, which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources of the charity for that period. In preparing these financial statements, the Trustees are required to:

• ¢ Select suitable accounting policies and then apply them consistently

• e Observe the methods and principles in the charities Statement of Recommended Practice (SORP)

• e Make judgments and estimates that are reasonable and prudent e State whether applicable accounting standards have been followed

• e Prepare the Financial Statements on the ‘going concern’ basis unless it is inappropriate to presume that the charity will continue in operation

The Trustees are responsible for keeping 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 (Accounts and Reports) Regulations 2008. They are also responsible for safeguarding the assets of the charity and for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Page 17

Names and addresses of Advisors

Independent Examiner

Rhian Stephens FMAAT Ty-Gryffydd, Penyrheol, Caerphilly, United Kingdom. CF83 2AP

Bankers

National Westminster Bank 31 Cardiff Road, Caerphilly. CF83 1WF

Architect

Amanda Needham Volute Architects Ltd, 22 Merton Green, Caerwent, Caldicot. NP26 5AT

Declarations

The Trustees declare that they have approved the Trustees’ report above in accordance with applicable law in the United Kingdom.

Signed on behalf of the charity's Trustees

Signature(s)	[Kewbos	Cha Mehtel	—
Full name(s)
	LoraRAWLASS	EWVOLReeS-Ken
Position (e.g.Secretary,Chair)	f Clow	. MUSTAVCOU
Date
	RL/OS (Be	.	W2/{OB/2y

Page 18

Independent Examiners Report on the Accounts

Report to the trustees of the Caerphilly & Aber Valley Ministry Area Charity no 1131172 on accounts for the year ended 31** December 2025 set out on pages 14, 15 & 20 to 26.

Responsibilities and basis of report - | report to the trustees on my examination of the accounts of the above charity for the year ended 31 December 2025. As the charity's trustees, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).

| report in respect of my examination of the Charity’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, | have followed all the applicable directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent Examiner's Statement -The charity's gross income exceeded £250,000 and | am qualified to undertake the examination by being a qualified Fellow Member of the Association of Accounting Technicians.

| have completed my examination. | confirm that no material matters have come to my attention in connection with the examination, which gives me cause to believe that in any material respect:

• e The accounting records were not kept in accordance with section 130 of the Charities Act or

• e The accounts did not accord with the accounting records or

• ¢ The accounts did not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair’ view which is not a matter considered as part of an independent examination

| 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.

TS . ‘ Signed:= Date. 1G! Fernruan D09e. Name: Rhian Stephens

Relevant professional body: Fellow Member of the Association of Accounting Technicians

Address:

Ty-Gryffydd, Penyrheol, Caerphilly, CF83 2AP

Page 19

Financial Statement

Notes to the Financial Statement

1. Principal Accounting Policies - The following accounting policies have been applied consistently in dealing with items considered material to the Financial Statements.

2. ¢ Basis of preparation - This Financial Statement is prepared in accordance with applicable United Kingdom Accounting Standards, the Statement of Recommended Practice (SORP FRS102) and the Church in Wales Accounting Regulations.

3. e Accounting Convention - This Financial Statement is prepared under the historical cost convention, with the exception of certain fixed assets whose valuation basis is detailed in note 2.

4. e Accruals Basis - The Accrual basis of accounting has been adopted for all principal policies.

2. Fixed Assets

• e Freehold Property - Churches, Churchyards and Vicarages are vested in the Representative Body of The Church in Wales and as such, property forms no part of the assets of the Ministry Area.

• e Inalienable Property - Moveable Church contents are considered inalienable property and are not valued, nor recognised in the Balance Sheet.

• e Land & Buildings - Other Freehold Land and Buildings are held in trust for the Ministry Area by, either the Representative Body of The Church in Wales or The Llandaff Board of Finance. No provision for depreciation of Land & Buildings is made.

• e Expenditure - Costs incurred for Churches (including contents), Churchyards and Vicarages, is written off in the year they incur. Routine additions and replacement of Church Hall contents are charged to current expenditure.

3. Investment Assets & St Martin’s Church Hall

• ¢ Valuation - Investment Assets are stated at mid-market values on the Balance Sheet. e Sale Proceeds - Following the sale of St Martin's Church Hall in 2011. The apportionment of the proceeds is currently under review by the Charity Commission.

• ¢ Current Holding - As of 315' December 2024 the Llandaff Diocesan Board of Finance holds a deposit of £554 742.

• • Recognition of Debtor - The Ministry Area expects to receive between 3/14 and 1/2 of the sale value. Consequently, a debtor of £107,142 (The minimum expected amount) has been recognised.

• ° Associated Loan - A loan of £116,466 from the Llandaff Board of Finance is payable upon receipt of the sale proceeds.

• Fund Accounting e Endowment Funds - Capital must be maintained. Interest may only be used for specific purposes,

• ¢ Restricted Funds - Income from Legacies, Grants or Donations must be spent on specific purposes. Unspent balances are carried forward.

4. Fund Accounting

Page 20

• e Unrestricted Funds - General Funds are available for ordinary purposes, at the discretion of the Trustees.

• ¢ Designated Funds - Funds are allocated for specific purposes by the Trustees; these can be transferred back to General Funds.

5. Incoming & Outgoing Resources

• e¢ Income Recognition - Incoming resources are accounted for, on a gross basis; planned giving, donations and tax refunds are recognised upon receipt.

• e Grants and Legacies - These are recognized when the Trustees are legally entitled to the amount and receipt is certain.

• e Investment Income - Interest and dividends are accounted for, when due and apportioned to individual funds on an average balance basis.

• e Expenditure - Diocesan Share Contributions are included in the year to which it relates. All other expenditure is generally recognised when incurred.

• e Examiners Fees — For the 2023 year-end examination, the fees were £1,440. For the 2024 year-end examination, the fees were £1,530. This represents an increase of 6% year on year.

6. Employees

• ¢ Employees - The number of employees employed during the year was NIL. We are extremely grateful to all of our volunteers who work tirelessly in all our endeavours to meet our objectives.

• ¢ Total Staff Costs - Including wages, social security and pension costs £0. e Trustee Remuneration and Expenses - Trustees have not received any remuneration or reimbursement for expenses. No Trustee received any remuneration for their services as a Trustee.

• e Related Party Transactions - There were no related party transactions during the year, that require disclosure. None of the Trustees (or any person connected with them) received any remuneration or benefits from the charity during the year.

• e Key Management Personnel - The total amount of employee benefits received by "key management personnel" (the Trustees) was £0.

• ¢ Clergy Status - The Diocese appoints the Clergy and while Clergy lead the Ministry Area, they are not employees of the Charity itself but are office holders paid by the Diocese. This explains why the charity reports "no paid employees" despite having active leadership.

Page 21

Statement of Financial Activities (SOFA)

Statement of Financial Activities (SOFA) Caerphilly & Aber Valley - Central Sofa Separate Designated For the period from 01 January 2025 to 31 December 2025

		Unrestricted	Designated	Restricted	Endowment	Total	Prioryear
		funds	funds	funds	funds	funds	total funds
Income and endowments from:
	Donations and legacies	7,007.24	113,005.64	228,050.00	-	348,062.88	122,624.28
	Income from charitable activities	50	§'518.00'	-	“	5,565.00	9,225.00
	Other trading activities	5,865.72	24,240.73	1,099.65	-	31,206.10	36,975.80
	Investments	2,324.03	12,259.26	-	-	14,583.29	22,634.54
	Other income	"	*	-	-	-	107,142.87
Total income		15,246.99	155,020.63	229,149.65	-	399,417.27	298,602.49
Expenditure on:
	Raising funds	1,148.87	201529	«	%	3,164.16	4,958.23
	Expenditure on charitable activities	124,099.12	53,607.71	193,598.91	-	371,305.74	189,382.40
Total expenditure		125,247.99	55,623.00	193,598.91	-	374,469.90	194,340.63
Net income / (expenditure) resources before transfer		-110,001.00	99,397.63	35,550.74	-	24,947.37	104,261.86
Transfers:
Gross transfers between funds- in		166,158.31	15,690.48	51,500.00	-	233,348.79	309,234.46
Gross transfers between funds- out		-67,190.48	-109,508.31	-56,650.00	-	-233,348.79	-309,234.46
Other recognised gains / losses
Gains/losses on investment assets		.	i	239.46	-1,660.58	“1,421.12	5,052.63
Gains on revaluation, fixed assets,	charitys own use	:	z	°	‘	=	=
Netmovement in funds		“11,033.17	5,579.80	30,640.20	-1,660.58	23,526.25	109,314.49
Reconciliation of funds
Total funds brought forward		49,796.33	399,461.55	287,308.56	16,827.90	653,801.68	544,487.19
Totalfundscarriedforward		-60,829.50	405,041.35	317,948.76	15,167.32	677,327.93	653,801.68

Page 22

Balance Sheet (Funds)

Caerphilly & Aber Valley - Central Fund Accounts 31st December 2025 Balance Sheet (Separate funds)

==> picture [427 x 419] intentionally omitted <==

----- Start of picture text -----
|||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---| |At|At| |General|Designated|Restricted|Endowment|31/12/2025|31/12/2024| |£|£| |Fixed|assets| |Current|assets| |Debtors|1,168, 12|108,871.33|-|:|110,039.45|107,666.44| |Investments|-|-|41,063.48|15,167.32|56,230.80|57,651.92| |Cash|At|Bank And|In|Hand|59,932.60|414,471.82|276,885.28|:|631,424.50|608,259.35| |-58,764.48|523,343.15|317,948.76|15,167.32|797,694.75|773,577.71| |Liabilities| |Creditors;|Amounts|Falling|Due|In|One Year|2,065.02|118,301.80|120,366.82|119,776.03| |2,065.02|118,301.80|-|-|120,366.82|119,776.03| |Net|current|assets|less|current|liabilities|-60,829.50|405,041.35|317,948.76|15,167.32|677,327.93|653,801.68| |Total|assets|less|current|liabilities|-60,829.50|405,041.35|317,948.76|15,167.32|677,327.93|653,801.68| |Liabilities| |Total|net|assets|less|liabilities|-60,829.50|405,041.35|317,948.76|15,167.32|677,327.93|653,801.68| |Represented|by| |Unrestricted| |Unrestricted - General|Fund|60,829.50|-|60,829.50|49,796.33| |Designated| |Designated - D1|-|St|Martin's|40,560.90|40,560.90|64,455.95| |Designated|-|D2 -|St|Catherine's|-|34,201.02|34,201.02|25,890.65| |Designated -|D3|-|St Andrew's|-|13,481.68|13,481.68|11,745.37| |Designated|-|D4 -|St|Ilan's|119.44|-|-|119.44|-713.03| |Designated|-|D5|-|St|Catherine's|Hall|-|8,074.11|-|-|8,074.11|7,416.36| |Designated|-|F1|-|Sale|Of Asset|-|316,152.41|-|-|316,152.41|305,643.70| |Designated -|F2|-Churchyards|Maintenance|6,429.14|-6,429.14|~ 13,601.00| |Designated|-|F3 - Charities|(Missions)|-|834.07|-|:|-834,07|- 1,232.69| |Designated|-|F4|-|Mission|Action|Fund|-285|>|-|-285|-|143.76| |Restricted| |Restricted|-|F5|-|Property|(Fabric)|Fund|2,782.24|-|2,782.24|3,777.24| |Restricted|-|F6|-|Administrator Fund|-|-|717.42|-|717.42|5,867.42| |Restricted|-|F7|- St|Martin's|Re-development|65,092.03|-|65,092.03|231,567.94| |Restricted|-|F8|-|Small|Restricted|Funds|-|4,015.12|-|4,015.12|4,015.12| |Restricted|-|F10-|St Catherine's|RB|Investment|-|24,435.62|-|24,435.62|24,293.13| |Restricted|-|F11|-|St|M's|Legacies|-|218,920.87|-|218,920.87|16,530.89| |Endowment|Restricted|-|F|12|-|St Andrew's Redevelopment|-|-|1,985.46|-|1,985.46|1,256.82| |Endowment -|F9 -|St|llan's Churchyard|Endowment|15,167.32|15, 167.32|16,827.90|

----- End of picture text -----

Page 23

Receipts & Payments

Caerphilly & Aber Valley - Central Receipts & Payments by Report Group For the period from 01 January 2025 to 31 December 2025

		General	Designated	Restricted	Endowment	Total	LastYear
		funds	funds	funds	funds	funds
Income and endowments from:
Donations and legacies	Planned Giving	3,246.51	62,608.82	-	-	65,855.33	65,362.15
	Loose collections	-	7,465.71	-	-	7,465.71	9,938.55
	Donations	2,991.09	15,483.88	756.99	-	19,231.96	16,730.31
	For Mission	-	3,688.50	-	-	3,688.50	4,420.49
	Tax refunds - Gift Aid	719.64	14,500.34	-	-	15,219.98	10,102.11
	Tax refunds - GASDS	50	4,258.39	-	-	4,308.39	7,640.88
	Legacy gifts received	-	-	202,293.01	-	202,293.01	5,429.79
	Grants	.	5,000.00	25,000.00	-	30,000.00	3,000.00
SubTotal Donations and legacies		7,007.24	113,005.64	228,050.00	-	348,062.88	122,624.28
Income from charitable activities	Fees	50	5,515.00	-	-	5,565.00	9,225.00
SubTotal Income from charitable activities		50	5,515.00	-	-	5,565.00	9,225.00
Other trading activities	Money raising	5,865.72	24,240.73	1,099.65	-	31,206.10	36,975.80
SubTotal Other trading activities		5,865.72	24,240.73	1,099.65	-	31,206.10	36,975.80
Investments	Investment income	2,324.03	12,259.26	-	-	14,583.29	22,634.54
SubTotal Investments		2,324.03	12,259.26	-	-	14,583.29	22,634.54
Other income	Other Incoming Resources	-	:	-	-	-	107,142.87
SubTotal Other income		“	.	.	.	.	107,142.87
Total Income and endowments	from:	15,246.99	155,020.63	229,149.65	-	399,417.27	298,602.49
Expenditure on:
Raising funds	Cost of money raising	1,148.87	2,015.29	-	:	3,164.16	4,958.23
SubTotal Raising funds		1,148.87	2,015.29	-	-	3,164.16	4,958.23
Expenditure on charitable activities	Parish Share	96,999.96	-	-	-	96,999.96	98,965.44
	Parochial ExpensesofClerics	10,180.84	-	-	-	10,180.84	7,403.51
	Other ministrysupport	-	-	-	-	-	-688.58
	Maintenance of Services	-204.73	1,330.81	3,820.49	-	4,946.57	4,274.44
	General parish expenses	10,249.06	366	5,407.60	-	16,022.66	16,542.58
	Maintenance of Churches	6,120.35	25,036.05	12,639.40	-	43,795.80	29,628.08
	Maintenanceofotherproperty	41.94	21,215.77	+	-	21,257.71	25,937.55
	Exceptional Expenditure	-	-	171,731.42	-	171,731.42	-
	Mission:parish	611.7	2,905.51	-	-	3,517.21	5,168.09
	Mission:home/world	100	2,753.57	+	:	2,853.57	2,151.29
TotalExpenditureon:		125,247.99	55,623.00	193,598.91	-	374,469.90	194,340.63

eee

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Charitable Donations

Caerphilly & Aber Valley - Central For the Period 1st January 2025 to 31st December 2025 SSCS [Charitable Donations 2025. SSECd

Fundraising Events

Caerphilly & Aber Valley - Central For the Period 1st January 2025 to 31st December 2025

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Page 25

Balance Sheet (Banks)

Caerphilly & Aber Valley - Central

Balance Sheet Banks

		As at	As at
		31/12/2025	31/12/2024
Current assets
	6501: Current Account - Benefice	1	190
	6502: St Martin's Bank Account	-	-
	6503: St Catherine's Bank Account	-	=
	6504: St Andrew's Bank Account	-	-
	6505: St Illan's Bank Account	-	-
	6506: Deposit Account - SIBA	308,961.55	296,116.11
	6507: Liquidity Manager 95 day Account	322,461.95	311,953.24
	6523: Other debtors	108,016.14	107,142.87
	6531: Term deposits	-	-
	6532: Quoted investments	56,230.80	57,651.92
	Z05: Accounts Receivable	2,023.31	523.57
	Total Current assets	797,694.75	773,577.71
Liabilities
	6601: Loans Payable	116,466.00	116,466.00
	Z04: Accounts Payable	3,900.82	3,310.03
	Total Liabilities	120,366.82	119,776.03
	Net Asset surplus (deficit)	677,327.93	653,801.68
Reserves
	Excess/(deficit) to date	24,947.37	104,261.86
	Z01: Starting balances	653,801.68	544,487.19
	Z02: Gains/(losses) on investment assets	-1,421.12	5,052.63
	Total Reserves	677,327.93	653,801.68
	RepresentedbyFunds

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