PAROCHIAL CHURCH COUNCIL REPORT FOR THE YEAR 2025
ALL SAINTS’ CHURCH SPRINGFIELD
“A friendly, welcoming church for everyone in the heart of the community”
1. Introduction
The Parochial Council of The Ecclesiastical Parish of Springfield, Diocese of Chelmsford, referred hereafter as All Saints’ Springfield is a corporate body established by the Church of England and registered with the Charity Commissioners, (Charity Registration Number: 1131427). The registered address is All Saints’ Church, Springfield, Springfield Green, Chelmsford, Essex, CM1 7HS. The address for correspondence is 4 Old School Field, Chelmsford, Essex, CM1 7HU.
The Parochial Church Council (PCC) has the responsibility of co-operating with the Rector to promote, in the ecclesiastical parish of All Saints’ Springfield, the whole mission of the Church, pastoral, evangelistic, social and ecumenical. It also has maintenance responsibilities for the AllSaints’ Church Centre buildings, part of the Burial Ground in Trinity Road, a Freehold property at 60 Chichester Drive and the internal decoration of the Rectory.
2. Objectives
The PCC is committed to serving the whole Springfield parish community, and to welcoming as many people as possible to become part of the church community at All Saints’ and to worship at All Saints’ Church.
The PCC maintains an overview of worship and makes suggestions on how work in God’s mission can involve the many groups that live within our parish. Our services and worship put faith into practice through prayer and scripture, music and sacrament.
When planning our activities for the year, the Rector and the PCC have considered the Commission’s guidance on public benefit and the specific guidance on charities for the advancement of religion. We try to enable ordinary people to live out their faith through developing their knowledge and trust in Jesus; caring for other people; helping people who are in need; and actively serving the community.
We make provision for pastoral care to people living in the parish, those on the Church Electoral Roll outside the parish, and conduct mission work in the local community. In support of this we make extensive use of our church and church centre and maintain the buildings.
3. Parochial Parish Council
3.1. Membership
Members of the PCC are either ex officio (e.g., clergy, readers, churchwardens or synod members), representatives of the laity elected by the Annual Parochial Church Meeting (APCM) in accordance with the Church Representation Rules, or people co-opted by the PCC for special reasons.
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PAROCHIAL CHURCH COUNCIL REPORT FOR THE YEAR 2025
During the year 2025 the following served as members of the PCC:
RECTOR and CHAIR Revd Sally Croft CHURCHWARDENS: Robin Stevens (from May 2024) Susan Potts (from APCM 2025) DEANERY SYNOD MEMBER Ian Poston (also Treasurer) (until 2026) Robin Stevens (until 2026) ELECTED MEMBERS: Ben Alder (until APCM 2026) Sue Chorley (until APCM 2026) Shirley Duggan (until APCM 2026) Peter Downes (until APCM 2026) (Electoral Roll Officer) Jack Spencer (until APCM 2027) Diana Orr (until APCM 2027) Linda Balls (until APCM 2027) Peter Balls (until APCM 2027) Paula Hiett (until APCM 2028) (PCC Secretary) Barbara Garside (until APCM 2028) (Vice-Chair PCC) Gordon Leonard (until APCM 2028) Dave Gauld (until APCM 2028) CO-OPTED: Paul Strong (co-opted Sept 2024-resigned April 2025) ELECTED MEMBERS UNTIL APRIL 2025: Carol Leverett (until APCM 2025) RESIGNATIONS Sally Hatt (until APCM 2027- resigned May 2025) Nicola Howard (until APCM 2027-resigned Feb 2025)
3.2 PCC Officers
PCC Officers, not being members of the PCC, included the following: Planned Giving Recorders: Tim and Angela Pearce Architect: Philippa Reed of Barker Associates
3.3 Independent Examiner
Pauline Montague has been appointed to conduct an independent examination of the accounts and accounting records.
3.4 Committees
The PCC operates through a number of committees that meet between full meetings of the PCC so that members of the congregation with particular interest or expertise might have an opportunity to contribute to a broadened discussion and decisions.
3.4.1 Standing Committee
This is the only committee required by law. It has power to transact business of the PCC between its meetings, subject to any directions given by the Council. The members of the Committee are the Rector, Churchwarden(s), PCC Secretary, Treasurer, Chair of the Finance Committee and Chair of Fabric Committee.
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PAROCHIAL CHURCH COUNCIL REPORT FOR THE YEAR 2025
3.4.2 Finance Committee
Oversees the general financial dimension of the work of All Saints' by monitoring income and expenditure, budgeting, and coordinating Christian Stewardship of money through planned giving. It met twice during the year.
3.4.3 Fabric Committee
Attends to matters relating to the stewardship of the church buildings and fabric, the churchyards, the Rectory and the house at 60 Chichester Drive, currently rented out. One meeting was held during the year. The majority of the business was dealt with, and if necessary approved, by correspondence and reported to the PCC.
3.4.4 Social Committee
Co-ordinates our catering and social activities and events. It did not meet formally during the year, but activities were arranged and led by individual members.
3.4.5 Safeguarding Committee
Set up in November 2025 to assist the Parish Safeguarding Officer with necessary paperwork for Diocesan compliance and reporting to the PCC.
4 Church Attendance
During 2025 we continued our usual pattern of worship. Recordings of Sunday morning worship continue to be shared on YouTube supporting our mission of engaging with our wider congregation and church community.
At the 2025 APCM 2025, following a full renewal of the electoral roll, our membership was 128 (2024:176). The number of worshippers in attendance at Sunday services during 2025 averaged 73 (2024:84) adults and 15 (2024:23) children (under years 16), and 20 (2024:20) adults and 10 (2024:10) children attended midweek services.
130 (2024:126) adults and 23 (2024:35) children attended church in person on Easter Day. It is also estimated that some 46 (2024:40) worshippers viewed the on-line service on Easter Day.
118 (2024:108) children under 16 and 185 (2024:151) adults attended the Crib Services and 19 (2024:32) children and 131 (2024:202) adults attended the Carol Service on Christmas Eve. The Midnight Communion Service was attended by no children (2024:1) and 67 adults (2024:61). Christmas Day Holy Communion was attended by 14 children (2024:9) and 69 adults (2024:57).
13 (2024:10) infants and children and 0 (2024:0) adults were baptised in 2025. 2 (2024:1) couples were married and 6 (2024:7) funeral services were held in church. A further 8 (2024:13) funeral services were conducted at the crematorium during the year on behalf of the parish of All Saints’ Springfield.
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PAROCHIAL CHURCH COUNCIL REPORT FOR THE YEAR 2025
5 Review of the year 2025
5.1 Proceedings of the PCC.
The full PCC met 6 times during the year. Membership started the year with 15 members reducing to 14 after resignations in February and April before increasing to 16 members in April following the APCM. Numbers reduced to 15 following a resignation in May and increased to 16 again after the casual vacancy was filled in September. An average attendance of 12 members at meetings was achieved. During 2025 meetings were held in person in the church centre.
The PCC and its committees met regularly to debate and agree actions concerning the worship and pastoral activities of the church. The PCC has complied with the duty under section 5 of the Safeguarding and Clergy Discipline Measure 2016 (duty to have regard to House of Bishops’ guidance on safeguarding children and vulnerable adults). Safeguarding is always on the PCC agenda as is our progress as an Eco Church.
During the year, the work of the PCC included: -
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➢ Approved the 2025 Parish Share
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➢ Reviewed and approved APCM documents, including the 2024 Accounts and Trustees Annual Report,
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➢ Carried out oversight of fabric works to the church, Church Centre and maintenance of the trees in the Trinity Road Burial Ground.
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➢ Approved the Project Implementation Process for managing fabric projects
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➢ Received and approved the Energy Management Plan and submitted the Gold Eco-Church application
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➢ Appointed a new Parish Safeguarding Officer and approved the Safeguarding Policy ‘Promoting a Safer Church’.
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➢ Reviewed and agreed increases to local fees
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➢ Confirmed continuation of Administrator role and approved uplift to pay
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➢ Supported the recruitment of a new Director of Music
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➢ Endorsed the nomination of an Authorised Local Preacher and supported training for pastoral care volunteers.
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➢ Agreed to develop SharePoint as the PCC’s secure document repository
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➢ Considered and approved the 2026 Budget
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➢ Approved the installation of a dedicated pastoral care phone
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➢ Supported proposals for fundraising and community engagement events
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➢ Agreed arrangements for APCM 2026
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➢ Approved organisations to benefit from Christmas charity collections and continued support for the Children’s Society.
5.2 Church Activities during the year
5.2.1 Worship and Prayer
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➢ We are keen to offer a range of services during the week and over the course of the year that our community find both beneficial and spiritually fulfilling. Weekly morning services were held in church and in the church hall (‘Sunday Special’) on Sundays, and in the church on Wednesdays. Sunday morning services in the church are routinely recorded and posted on the Church website for viewing shortly after each service. People continue to enjoy the recorded on-line worship available through YouTube.
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➢ The church was open regularly for personal prayer.
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➢ Baptisms are usually held on a Sunday afternoon to accommodate family groups and at other times when appropriate. 13 (2024:10) baptism services were held during the year, and we welcomed baptism families at our Worship Together or Sunday Special services.
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➢ Every Wednesday morning during term time, Children in Church provides a valuable opportunity to welcome pre-school children and their carers into the safe and friendly environment of the church, to play and to enjoy a range of other activities, and to join in a short child-friendly service if they wish. Numbers attending remain stable with an average of 12 (2024:13) adults and 11 (2024:12) children now attending in church.
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➢ The Sunday Special worship service is popular with our young families and children, and others who enjoy this alternative form of worship. With a good attendance this continues to be a significant mission activity in the parish with many regular attendees. An average of 23 (2024:23) adults and 15 (2024:20) children attend these services. The service is designed with both children and adults in mind and takes place every Sunday, in parallel with the traditional church service at 10.30am, except once a month when an all-age service is held in the church. Sunday Special Eucharist is usually offered during the third Sunday worship.
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➢ Our 7th Chelmsford Boys' Brigade Company paraded their colours at church services in February (Communion Together) and May, July and November (Worship Together).
5.2.2 Music and Mission
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➢ The Choir continued to lead the singing at the 10.30am Sunday services in church and supported major festivals, special services, weddings and funerals.
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➢ Throughout 2025 the choir sang an anthem at every Communion Service, drawing on a wide range of repertoire including works by Vaughan Williams, Rutter, Tye, Bevan, Pitoni, Ley, Farrant, and others listed in the monthly music schedules.
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➢ Particular highlights included:
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Candlemas, where the choir sang Nunc Dimittis by Herbert Brewer
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Ash Wednesday, featuring Pitoni’s Cantate Domino
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Holy Week, when the choir sang at Compline on Monday, at the Maundy Thursday Eucharist ( Be still for the presence of the Lord ), and contributed to the Good Friday meditation
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Easter Day, singing Henry Ley’s The strife is o’er
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➢ Members of the choir joined with other choirs at the Diocesan Choral Festival at Chelmsford Cathedral on 7[th] June.
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➢ On RSCM Music Sunday (15th June) the choir sang Schubert’s Holy, Holy, Holy is the Lord as the anthem
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➢ Members of the choir joined with St Mary’s Dunmow for choral evensongs in April and October, for Nine Lessons and Carols in December, and for Choral Communion, Harvest Songs of Praise and Advent services held at St Andrew’s Barnston over the course of the year.
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➢ The All Saints’ Band, comprising guitars, keyboard and drums, continued to lead music for Worship Together and Sunday Special, offering a broad repertoire of contemporary worship songs and modern hymns. The band also sang carols at a local public houseThe Tulip- in December, which attracted a lively crowd.
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➢ Members of both the choir and the All Saints’ Band contributed to music at Worship Together and Communion Together services, supporting congregational singing across a wide range of styles.
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➢ The Choir Director resigned during the year, and interim arrangements were put in place to ensure the choir’s continued contribution to worship.
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5.2.3 Pastoral Care
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➢ Church organisations continued to offer support to anyone seeking help, including practical befriending, pastoral visiting, and personal prayer support. This was provided by the clergy, the Prayer Ministry Team, and trained lay members. As in previous years, this support remained an important part of parish life, particularly for those who were isolated or unwell.
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➢ The Church Centre remained a valued community hub, used regularly by local groups and for parish activities. Children in Church, Sunday Special, Connect Café, and other midweek gatherings continued to meet in the Centre, alongside external community users.
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➢ Connect Café continued weekly throughout the year, offering a warm, friendly space for conversation, refreshments, and informal support. Numbers attending grew and the café remained especially important for older or vulnerable residents, helping them stay connected with the wider community.
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➢ Seasonal hospitality continued, including refreshments after special services, such as the Memorial Service, and events. These gatherings provided fellowship and practical support for those who benefit from regular social contact.
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➢ Women’s Fellowship continued to meet monthly, offering a programme of spiritual, social and educational activities for women of the parish.
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➢ The church continued to support worship and pastoral ministry in local care settings , including Lyons Court and The Lawns Nursing Home, maintaining a visible and caring presence among residents.
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➢ New and growing ministries developed during 2025, including:
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Beer & Bible, meeting monthly at The Tulip, offering accessible discipleship and fellowship for adults.
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Season of Creation activities, including the Days of Creation Walk in September, which brought together members of the congregation and wider community for prayer, reflection and environmental awareness.
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➢ Children and young people’s activities continued to flourish, with Sunday Special, Children in Church, and family friendly Worship Together services providing accessible worship and teaching for younger families.
5.2.4 Mission and Evangelism
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➢ Helping those in need remains a central expression of our faith. The church continued to promote support for the Chelmsford Foodbank, encouraging regular donations through the collection point in church and through online giving. The congregation also supported Christian Aid Week, with information and giving links shared through in touch , the weekly sheet, and social media. Details of all charitable giving are shown in the Notes to the Accounts.
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➢ Weekly Sheet: The Weekly Sheet is available in church and online, providing details of services for the coming week along with other useful information. Additional printed copies are often taken for those unable to attend in person.
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➢ Parish Magazine – in touch : Our monthly parish magazine, in touch , continued to offer news of parish activities, reflections and articles to support faith and understanding. It remained available both in printed form and online via the church website, ensuring wide accessibility. Volunteers continued to deliver the printed magazine to subscribers in the parish. The magazine received the gold award for the best magazine from the Association of Church Editors.
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➢ Website and Online Communications: The church website continued to provide clear, up-to-date information about our worship, ministries, pastoral support and community activities. It also offered guidance on baptisms, weddings and funerals, with each page outlining what is available and inviting families to contact the Rector directly. The online calendar and weekly news updates complemented this, helping to keep the congregation informed and connected throughout the year.
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➢ Home Group continued to meet regularly, offering opportunities for Bible study, prayer, and fellowship. This group provided space for members to explore Scripture together and consider its relevance to everyday life, supporting spiritual growth and mutual encouragement.
5.2.5 Work with Children and Young People
Work with children and young people continued strongly during 2025 with:
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➢ Children in Church , which continued to welcome preschool children and their carers every Wednesday morning in term time, offering play, craft, singing, prayer and refreshments in a safe and friendly environment.
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➢ Sunday Special , which remained a popular and lively form of worship for young families, running each Sunday alongside the traditional 10.30am service. Attendance remained strong, and parents continued to support the development of new leadership within the group.
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➢ The Boys’ Brigade (7th Chelmsford Company), comprising Anchor, Junior, Company and Senior sections. The Company continued to meet weekly in the Church Centre, supported by a committed team of leaders. The Rector continued to serve as Chaplain, and the Company paraded at several Worship Together and Communion Together services during the year.
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➢ Rainbows, Brownies and Guides , continued to meet regularly in the Church Centre, providing opportunities for girls and young women to learn new skills, build friendships and take part in community activities.
5.2.6 Eco Church
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➢ Since January 2021 All Saints’ has been part of the nationwide Eco Church community , committed to caring for God’s world through worship, teaching, building management, land stewardship, community engagement and personal lifestyle choices.
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➢ Caring for creation remained a regular focus in prayers, talks and songs in traditional church services and in Sunday Special. Monthly in touch articles, the Eco Church notice board, the website, Facebook posts and the weekly sheet continued to encourage sustainable living. The annual green lifestyle questionnaire was repeated in October to help track progress across the congregation.
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PAROCHIAL CHURCH COUNCIL REPORT FOR THE YEAR 2025
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➢ During 2025 Eco Church activities included:
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Receiving the Eco Church Gold Award in May following an assessment visit from A Rocha. The award was celebrated at Environment Sunday on 1st June, and publicised locally through the Essex Chronicle, Love Your Chelmsford, and ward councillors.
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Progressing the Energy Management Plan , including work on specifications for point-of-use water heaters, exploring options for new pew heaters, and planning for insulation, heat pumps and potential solar panels. The plan was shared with the congregation at the APCM and through in touch magazine.
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Improving the churchyard for wildlife and the community , with new signage, spring and autumn maintenance, additional wildflower plugs, and a successful trial of No Mow May . Grass-cutting patterns were adjusted to support biodiversity, and a chipper/shredder was purchased to produce mulch from non-compostable waste.
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Continuing nature monitoring , including the annual wildflower survey, an updated tree and shrub survey, and an RSPB Birdwatch. A new BirdNetPi system was installed to identify bird species by sound, with live data linked to the church website.
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Celebrating the Season of Creation , beginning with an outdoor Communion Together service led by the Archdeacon, followed by a bring-and-share picnic. Activities included a Days of Creation Walk , Fairtrade stalls, themed prayers preaching and songs in services, and Harvest celebrations. -and-share picnic.
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Maintaining strong Fairtrade engagement , with renewal of All Saints’ Fairtrade Church status, participation in the Chelmsford City Fairtrade Campaign AGM, and Fairtrade stalls in September and November.
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Supporting wider environmental action , including promoting the Big Chelmsford Spring Clean, Earth Hour, the Big Butterfly Count, and diocesan eco events. Church members were encouraged to write to the local MP about the Climate and Nature Bill, and the response was shared in in touch .
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Continuing sustainable practices , including the “One-And-All” shared Christmas card scheme, use of recycled paper for printing, avoidance of disposable catering items, and ongoing use of water butts for churchyard watering.
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Updating the Churchyard Management Plan (2025–2028), including proposals for a new area for cremated remains, additional pollinator planting, wildflowers along the road frontage, new signage, and exploring a Community Garden on the area of the former Pre-School garden.
5.2.7 Community Events
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➢ All Saints’ continued to hold a number of community events during 2025 , which provided opportunities for fellowship, hospitality and outreach, as well as supporting fundraising.
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➢ Events included the Easter Fayre , Macmillan Coffee Morning , the Quiz Night with Harvest Platter , and the Christmas Fayre , all of which were well attended and appreciated by the wider community.
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➢ Such events remain an important part of our mission, helping to build connections with local residents and offering a warm welcome to all who come.
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5.2.8 Church and Church Centre
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➢ The church continued to be regularly open for visitors , offering a peaceful space for private prayer as well as for our pattern of weekly and seasonal services.
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➢ The Church Centre remained well maintained and fully used throughout the week , hosting a wide range of church and community groups, including Children in Church, Sunday Special, Connect Café, Boys’ Brigade, Rainbows, Brownies and Guides.
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➢ The Centre continued to be available for use by individuals and community groups , including children’s birthday parties and other gatherings, with donations invited to help cover running costs and support the church’s mission.
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➢ The church remained available for weddings throughout the year , with couples able to choose the form of music and other elements they would like for their service. The Rector supported families in planning their wedding, and where requested the organist, choir and bellringers contributed to making these occasions especially memorable.
5.2.9 Church Relationships
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➢ The Rector and two members of the PCC continued to serve on Deanery Synod , providing an important link between the parish and the wider structures of the Church of England. Regular briefings on Deanery and Diocesan Synod business were reported back to the PCC, ensuring that national and diocesan developments informed parish decision making.
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➢ Although the North Chelmsford Mission and Ministry Partnership is no longer active, All Saints’ continues to maintain good informal relationships with neighbouring parishes as appropriate.
5.2.10 Ecumenical Relationships
- ➢ The church continued to be an active member of Christians Together in Chelmsford , which brings churches across the city together for shared witness and prayer. All Saints’ again participated in the Good Friday Procession of Witness in the High Street, and information about city-wide ecumenical activities, including the regular Christians Together Breakfast , was shared with the congregation. These links remain an important part of our commitment to working alongside other churches in Chelmsford.
5.2.11 Parish Organisations
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➢ Alongside the activities described in earlier sections of this report, much of the church’s ongoing ministry and community life is carried out week by week by a wide range of dedicated groups and volunteers . These groups meet in person throughout the year to offer social, educational, musical, pastoral and recreational activities that support the mission of All Saints’ and enrich parish life.
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➢ Annual reports from these organisations are presented separately , providing a fuller picture of their work and contribution to the life of the church and community
5.2.12 Role of Parish Administrator
- ➢ The Parish Administrator, appointed in September 2022, continued to support the Rector and churchwardens with the administrative responsibilities of the parish for ten hours each week. The Administrator manages email and telephone enquiries, maintains the online diaries and Church Centre bookings, and oversees the paperwork for
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PAROCHIAL CHURCH COUNCIL REPORT FOR THE YEAR 2025
weddings, baptisms and funerals. This includes preparing invoices for statutory and local church fees and liaising with the Treasurer to ensure payments are received. The Administrator’s contract and duties are reviewed annually.
5.2.11 Role of Volunteers
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➢ Our Rector (stipendiary) continued to prepare and lead services , supported by a retired priest with Permission to Officiate. Three Licensed Lay Ministers and two Authorised Local Preachers also contributed regularly to worship and teaching. Christian disciples who live out their faith in service to the church and community lead all these activities on a voluntary basis.
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➢ Our Churchwarden(s) and the Parochial Church Council oversaw parish life and governance , while volunteer workers undertook all aspects of Church Centre management. All the activities reported under section 5.2.8 were led and supported by volunteers, including organising meetings, booking speakers, providing refreshments, and enabling the wide range of groups that meet at All Saints’.
5.3 Financial Highlights of 2025 ( in round figures )
5.3.1 Giving & Income.
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➢ There are now 62 (2024:66) members in our Planned Giving Scheme. Planned Giving in 2025 contributed £70,000 (2024: £69,000), with Gift Aid providing an additional £20,000 (2024: £19,000) of income tax reclaimed from the taxman.
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➢ The cash-in-collection bags provided income of just over £6,000 this year. (2024: £5,000).
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➢ Less fundraising events were held this year and brought in £4,500 (2024: £6,700). Donations of £8,200 (2024: £8,000) were also received, which provided a very welcome addition to our income. Some gifts were given with Gift Aid, which is included in the £20,000 noted above.
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➢ Income from the use of the church centre continues to improve and has finally returned to pre-Covid levels. Donations generated £15,800 (2024: £11,900).
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➢ The PCC receives a small fee for our clergy or lay ministers officiating at funeral services at the crematorium. These fees together with those for wedding and funeral services held in church provided income of £2,300 (2024: £2,100).
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➢ Advertising in the church magazine provided income of £700 (2024: £600) with the sales of the magazine more than covering the print costs.
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➢ The house we own in Chichester Drive provided a rental income of almost £12,300 (2024: £12,000), which represents a good return on the capital tied up in the property.
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➢ As the churchyard is closed, maintenance is the responsibility of Chelmsford City Council. Members of the congregation undertake the day-to-day upkeep and maintenance of the grounds, and the PCC is able to apply for a small grant to cover costs. We received a grant of £470 (2024: £470). :We are most grateful for this grant which helps to cover the relevant costs.
5.3.2 What we spent?
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➢ Having again been assessed in 2025 for Parish Share of over £102,000, we were only able to pay £72,000 (70.5%). (2024: £88,000)
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➢ We were still able to pay the usual bills to heat, light and insure the church buildings.
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➢ From the General Fund we spent £34,600 (2024: £11,000) on repairs and maintenance of the church and church centre, and £830 at Chichester Drive (2024: £1,860).
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➢ From the General Fund we again gave £200 (2024: £200) to the Bishop’s School, £25 (2024: £25) to the Friends of Chelmsford Cathedral and £18 (2024: £18) to The Royal British Legion in lieu of a new poppy wreath. Total £243 (2024: £533)
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➢ In 2025 we gave our Independent Examiner a thank you gift voucher for £50 in recognition of her undertaking the examination of the 2024 accounts and for the assistance she provided to the Treasurer and PCC throughout the year, all at no cost. (2024: £35)
5.3.3 Charitable giving
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➢ Our level of charitable giving was at a slightly lower level this year with donations made through collections at services e.g. Remembrance Sunday and at Christmas. Increasingly people are making their own personal donations directly to charities through online giving.
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➢ We were able to support the Angel Tree Project, The Children’s Society, The Church Army, YMCA Essex, Church Mission Society, Embrace the Middle East, A Rocha UK (for Eco Church), Chelmsford CHESS, Chelmsford Foodbank, Leprosy Mission, Macmillan Cancer Support, and the Royal British Legion Poppy Appeal.
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➢ The total amount donated was £3,172 (2024: £3,971) and some of this was also given with Gift Aid.
5.3.4 And this resulted in…
- ➢ Having supplemented our contribution to the Diocese for Parish Share, we ended the year with a very small surplus on the General Fund of £339. (2024: deficit £89). The amount of General Funds retained in hand is maintained at a level to accommodate cash flow variations during the year.
5.3.5 Church Estate
- ➢ During 2019 with the permission from the Charity Commissioners, the assets of the Church Estate (Charity number 227437) were transferred to the PCC. The Church Estate charity was closed in 2020. The PCC now holds this permanent endowment and will continue to use the income from the transferred assets for the original purpose, which is for the use and repair of the church or the poor of the parish.
6.0 Statutory Accounts
- ➢ The Statutory Accounts are an integral part of this report. There is also a summary account available for the church’s General Fund. This includes all the day-to-day activities of the church but does not include the funds the PCC holds that are for a special purpose, e.g. maintenance of the church building.
Approved on behalf of the Parochial Church Council
………………………………………………….. Chair Revd Sally Croft ………………………………………………….. Secretary fut. M Hrett Date: 18[th] March 2026 Paula Hiett
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ALL SAINTS' CHURCH, SPRINGFIELD PCC
FINANCIAL STATEMENTS
31st December 2025
Registered Charity no. 1131427
Bankers Barclays Bank plc
40-41 High Street, Chelmsford CM1 1BE
Independent Pauline Montague FCCA (Ret'd) Examiner 208 Chignal Road Chelmsford CM1 4SS
F
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
CONTENTS
| PCC Financial Responsibilities | 1 |
|---|---|
| Accounting Policies | 2 |
| Accounting Policies (continued) | 3 |
| Statement of Financial Activities 2025 | 4 |
| Balance Sheet and Accountancy Report, 31st December2025 | 5 |
| Notes to Statement of Financial Activities | 6 |
| Notes to Statement of Financial Activities (continued) | 4 |
| Notes to Statement of Financial Activities (continued) | 8 |
| Notes to Balance Sheet | 9 |
| Notes to Balance Sheet (continued) | 10 |
| Notes to Balance Sheet (continued) | 11 |
| IndependentExaminer'sReport | 12 |
ALL SAINTS' CHURCH, SPRINGFIELD PCC YEAR ENDED 31 DECEMBER 2025
PCC FINANCIAL RESPONSIBILITIES
The financial statements must be prepared in accordance with the Statement of Recommended Accounting Practice: Accounting and Reporting by Charities [SORP (FRS 102)], UK Accounting Standards and the Charities Acts 2011 and 2022. The requirements include the preparation of financial statements for each financial year consisting of a statement of Financial Activities (SOFA) for the financial year and a Balance Sheet at the financial year end together with explanatory notes. In preparing these financial statements the PCC must see that:-
suitable accounting policies are selected and agreed and are applied consistently,
any estimates included are reasonable and prudent.
The PCC is therefore responsible for keeping proper accounting records, which disclose with reasonable accuracy at any time the financial position of the PCC and to enable it to ensure that the financial statements will comply with the requirements of the guidance notes published by the Church of England.
During 2019 with the permission from the Charity Commissioners, the assets of the Church Estate (Charity number 227437) were transfered to the PCC. The Church Estate charity was closed in 2020. The PCC now holds this permanent endowment, and will continue to use the income from the transferred assets for the original purpose, which is for the use and repair of the church or the poor of the parish.
As competent trustees the PCC should safeguard any assets acquired and take any reasonable steps for the prevention and detection of fraud and other irregularities.
Planned Giving levels are slowly declining due to the aging congregation but income from the use of the church centre continues to improve and this year exceeds pre-COVID levels. Fundraising events have been held but these are smaller than previously. Some people have continued to make donations in lieu of church collections or fundraising events, and this has greatly helped. The Parish Share requested for 2025 was again higher than 2024. Due to inflationary pressures and larger maintenance costs incurred, we have only been able to meet just over 70% of the Share requested. Charitable Giving has declined compared to 2024. Most of our usual donations are made through collections at services eg Remembrance Sunday and at Christmas. With online giving becoming easier some of the congregation are now giving directly rather than through charitable collections at special services.
The PCC is required to prepare the financial statements, and to provide any independent examiners with every opportunity to take whatever steps - and undertake whatever examinations - they consider to be appropriate for the purpose of enabling them to give their examination report.
Financial information contained in the annual report of the PCC must be consistent with these financial statements.
The PCC consider that it has met its responsibilities as set out in this statement.
Page 1 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
ACCOUNTING POLICIES
Accounting convention
The financial statements are prepared on an accruals basis under the historical cost convention and in accordance with the applicable accounting standard, Statement of Recommended Accounting Practice (Charities SORP FRS102), UK Accounting Standards and the Charities Act 2011. The accounts do not include the financial activities of any church organisation not directly controlled by the Parochial Church Council. (PCC).
Income recognition
Income from giving, donations, grants, bequests etc., is taken into account on the basis of cash receipts. No account is taken of future contributions under “gift aid”; any contributions paid in advance are carried forward to the period when actually due.
No valuation is placed upon services given free of charge.
Income tax recoverable on gift aid donations is accounted for as claimed for the twelve months up to the thirty first of December in each year.
Investment gains and losses
These include any realised gains or losses on the sales of investments and unrealised gain or loss on revaluing investments held at the end of the year.
Liability recognition
Liabilities are recognised where it is more likely than not that an obligation exists to commit resources, and the amount can be reasonably measured.
Reserves
Transfer of assets from Church Estate including a Permanent Endowment The transfer comprised 2807.35 units of Charities Official Investment Fund Income Shares This is made up of 2118.22 units in the permanent endowment and 689.13 units in the restricted fund. The shares are valued at mid market value at the year end.
Restricted funds
All monies receivable subject to a specific requirement in spending are credited into the restricted funds, which are individually denoted as specified. These may be either of a capital or income nature. Unrestricted funds
All other monies are held for general purposes and classed as unrestricted funds, some of which may be designated for a specific purpose by the PCC. The PCC strives to pay the Parish Share in full if possible, but as a priority it ensures it retains a sum in the region of up to two month's ordinary expenses including an affordable proportion of Parish Share in the General Fund to support timing differences in cash flow. Following a review of finances at the end of the year an extra payment of Parish Share is made to bring the total payments as close as possible to 100% of the amount requested.
Within restricted and unrestricted funds there is a separate investment by the PCC with the CBF Church of England Deposit Fund. Interest received is apportioned on a quarterly balance basis to the individual funds.
Page 2 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025 ACCOUNTING POLICIES (continued)
Assets
Freehold property is capitalised at cost and was originally purchased for the housing of a Curate. As such it is regarded as a long term investment, but has not been re-valued. Under prevailing property market conditions, it is not depreciated. All property is kept under full repair. The property has been let to tenants on a long term basis. The rent is periodically assessed for fairness by the local Rent Officer, and is reviewed annually by the PCC.
Furniture, fittings and equipment items purchased from the General Fund and costing in excess of £1,000, are capitalised and depreciated on a straight line basis over the next four years. Items costing less than £1,000 are written off to the general income and expenditure account in the year of purchase unless forming part of a major refurbishment. Assets purchased from a ‘Restricted’ Fund are written off to that fund in the year of purchase.
NOTES
Property
Any freehold property owned by the PCC is vested in the Chelmsford Diocesan Board of Finance as custodian trustee with a declaration that it has been acquired by the PCC for a special purpose.
Taxation
As a charity the church is not liable for corporation tax. However, it has no VAT status and must bear this tax as charged.
Charity Status
All Saints' Church is a ‘registered’ charity with the Charity Commission. Register number 1131427. This was due to the total annual income of the church being at that time in excess of £100,000. The accrual accounting basis is still applied, despite the limit being raised to £250,000.
Page 3 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC YEAR ENDED 31 DECEMBER 2025 STATEMENT OF FINANCIAL ACTIVITIES
| 2025 | 2025 | 2024 | ||||||
|---|---|---|---|---|---|---|---|---|
| Unrestricted | Restricted | rennanent Endowment |
Total | Total | ||||
| Notes | £ | £ | £ | £ | £ | |||
| INCOMEAND ENDOWMENTS FROM | ||||||||
| Donations and Legacies | ||||||||
| Planned Giving etc | 70,025 | 70,025 | 68,939 | |||||
| Income tax recovered | 19,547 | 125 | 19,672 | 19,483 | ||||
| Collection bags | 6,089 | 6,089 | 5,282 | |||||
| Legacies /In memorium | 10,715 | 10,715 | 47 | |||||
| Donations | 8,230 | 540 | 8,770 | 8,137 | ||||
| Charitabledonations | 5 | 3,125 | 3,125 | 3,971 | ||||
| Grants | 1 | 4,626 | 470 | 5,096 | 470 | |||
| Sundry receipts | ¢actnote) | 6,951 | 6,951 | 2,525 | ||||
| Charitable activities | ||||||||
| Fees | 2,325 | 2,325 | 2,140 | |||||
| Use ofchurch centre | 15,851 | 15,851 | 11,877 | |||||
| Magazine Income | 2 | 2,023 | 2,023 | 1,992 | ||||
| Othertrading activities | ||||||||
| Fundraising | * | 4,249 | 181 | 4,430 | 6,707 | |||
| Investments | ||||||||
| Property income | 12,280 | 12,280 | 11,925 | |||||
| Interestand dividends | 3 | 2,679 | 3,639 | 6,318 | 6,713 | |||
| TOTAL INCOMING RESOURCES | 158,639 | 15,031 | - | 173,670 | 150,208 | |||
| *includes income from | Easyfundraising | |||||||
| EXPENDITURE ON | ||||||||
| Charitable activities | ||||||||
| Parish Share | 4 | 72,000 | 72,000 | 88,000 | ||||
| Giving to charity and worthycauses | 5 | 243 | 3,172 | 3,415 | 4,504 | |||
| Church expenditure | 6 | 65,672 | 6,725 | 72,397 | 49,312 | |||
| Clergyexpenditure | 7 | 1,383 | 1,383 | - | ||||
| Raising funds | 556 | 135 | 691 | 1,186 | ||||
| Other | ||||||||
| Propertyexpenses | 8 | 1,248 | 1,248 | 2,272 | ||||
| TOTALRESOURCES EXPENDED | 141,102 | 10,032 | - | 151,134 | 145,274 | |||
| Netincome before investmentgains/(losses) | 17,537 | 4,999 | : | 22,536 | 4,934 | |||
| Unrealised gains/(losses) oninvestments | 12&16 | - | (669) | (2,058) | (2,727) | 1,259 | ||
| NETMOVEMENT IN | FUNDS | 17,537 | 4,330 | (2,058) | 19,809 | 6,193 | ||
| Funds brought forward at01.01.25 | 79,862 | 96,135 | 42,986 | 218,983 | 212,790 | |||
| Prior Year adjustment | - | |||||||
| Funds carried forward | at 31.12.25 | 97,399 | 100,465 | 40,928 | 238,792 | 218,983 | ||
| Movement(including | transfers)inindividual | fundsis | summarisedon | page11 |
Page 4 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
BALANCE SHEET
| BALANCE SHEET | |||||||
|---|---|---|---|---|---|---|---|
| 2025 | 2024 | ||||||
| Note | Unrestricted | Restricted | rentatient Endowment |
Total | Total | ||
| £ | £ | £ | £ | £ | |||
| Fixed assets | |||||||
| Freehold Property | |||||||
| 60 Chichester Drive | 10 | - | 31,030 | - | 31,030 | 31,030 | |
| Equipment, NBV | 11 | 2,140 | - | - | 2,140 | 3,070 | |
| Investments | 12 | - | - | 40,928 | 40,928 | 42,986 | |
| Total fixed assets | 2,140 | 31,030 | 40,928 | 74,098 | 77,086 | ||
| Current assets | |||||||
| Debtors & prepayments | 13 | 4,442 | 125 | 4,567 | 2,885 | ||
| Investments | 12 | - | 13,316 | 13,316 | 13,985 | ||
| Bank and Cash | |||||||
| Central Board of Finance | 49,978 | 49,078 | 99,057 | 93,376 | |||
| Bank Deposit accounts | 50,368 | 7,927 | 58,295 | 54,195 | |||
| Bank Current accounts | (6,497) | (6,497) | (16,180) | ||||
| Cash in hand | 126 | 203 | 329 | 320 | |||
| Total current assets | 98,417 | 70,649 | 169,066 | 148,581 | |||
| Less current liabilities | |||||||
| Creditors | 14 | 3,158 | 1,214 | 4,372 | 6,684 | ||
| Net current assets | 95,259 | 69,435 | 164,694 | 141,897 | |||
| Total assets less current liabilities | 97,399 | 100,465 | 40,928 | 238,792 | 218,983 | ||
| Parish funds | |||||||
| Unrestricted Funds | 16 | 97,399 | 79,862 | ||||
| Restricted Funds | 16 | 100,465 | 96,135 | ||||
| Permanent Endowment | 12 | 40,928 | 42,986 | ||||
| Totalfunds | 238,792 | 218,983 |
Note: Contractual and contingent liabilities on the above funds are shown in note 15 to the Balance Sheet on page 10
Approved by the PCC on 18 March 2026 and signed on their behalf
----- Start of picture text -----
Bid | 4s a Cede... Chairman
, Revd Sally|Croft
Gaudaslcnseuacsesannes cevandevssstrososeesvcessseoesséesesse Treasurer
| W Poston
----- End of picture text -----
Page 5 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO STATEMENT OF FINANCIAL ACTIVITIES
| 2025 | 2024 | ||||
|---|---|---|---|---|---|
| £ | £ | ||||
| 1 | GRANTS | ||||
| Chelmsford City Council | - Churchyard maintenance | ||||
| - | restricted | 470 | 470 | ||
| Department of Culture, Media | & Sport | ||||
| - | unrestricted | 4,626 | - | ||
| 5,096 | 470 | ||||
| 2 | MAGAZINE ACCOUNT | ||||
| Income | - | Sales | 1,316 | 1,358 | |
| - | Advertisements | 707 | 634 | ||
| 2,023 | 1,992 | ||||
| Expenditure | - | Printing etc | 765 | 750 | |
| Surplus | 1,258 | 1,242 | |||
| 3 | INVESTMENT INCOME | ||||
| Dividends | - | restricted | 1,593 | 1,570 | |
| Interest | - | restricted | 2,046 | 2,206 | |
| - | unrestricted | 2,679 | 2,937 | ||
| 6,318 | 6,713 | ||||
| 4 | PARISH SHARE | ||||
| Total Costs of Ministry | 93,628 | 92,474 | |||
| Mission Support Grant allocation | 8,487 | 7,050 | |||
| 1% discount for paying in | full by Direct Debit | - | 7 | ||
| Parish Share Allocation | 102,114 | 99,524 | |||
| Parish Share paid | 72,000 | 88,000 | |||
| Shortfall | 30,114 | 11,524 |
Under the Diocesan system for Parish Share, a parish is allocated their Total Costs of Ministry (TCM) which includes other elements apart from the costs of a stipendiary eg selecting and training curates, diocesan services to parishes, and contributions to the national church.
Page 6 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO STATEMENT OF FINANCIAL ACTIVITIES
----- Start of picture text -----
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
|5|PARISH|GIVING|2025|2024|
|Unrestricted|Restricted|Unrestricted|Restricted|
|PCC|Collection|PCC|Collection|
|Giving|Giving|Giving|Giving|
|£|£|£|£|
|Home|missions|and|church|societies|
|Angel|Tree|Project|-|250|-|265|
|Bishop's|School|Governors|Fund|200|200|-|
|Children's|Society|-|339|-|287|
|Christians|Together|in|Chelmsford|-|-|200|-|
|Church|Army|-|192|-|183|
|Friends|of|Chelmsford|Cathedral|25|25|-|
|YMCA|Essex|-|345|-|316|
|225|1,126|425|1,051|
|Church|missions|overseas|
|Church|Mission|Society|-|305|-|721|
|Embrace|the|Middle|East|-|328|-|335|
|Tearfund|-|90|30|
|-|632|90|1,086|
|Secular|charities|
|A|Rocha|UK|-|164|-|169|
|Chelmsford|CHESS|-|150|-|140|
|Chelmsford|Foodbank|-|47|-|154|
|Farleigh|Hospice|-|-|-|240|
|Leprosy|Mission|-|114|-|114|
|Macmillan|Cancer|Support|-|806|-|800|
|Royal|British|Legion|Poppy|Appeal|18|133|18|217|
|18|1,414|18|1,834|
|SUBTOTAL|243|3,172|533|3,971|
|Giving|by|Organisations|responsible|to|the|PCC|-|50|-|100|
|TOTAL|243|3,222|533|4,071|
||Donations|re|Easter|Breakfast|is|surplus|after|expenses|
|Overall|total|of giving|-|2025|3,465|
|Overall|total|of giving|-|2024|4,604|
----- End of picture text -----
Page 7 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO STATEMENT OF FINANCIAL ACTIVITIES (continued)
6 CHURCH EXPENSES
| 6 CHURCH EXPENSES | |||||
|---|---|---|---|---|---|
| 2025 | 2024 | ||||
| Unrestricted | Restricted | Total | |||
| Note | £ | £ | £ | £ | |
| Services and ancillary functions | |||||
| Organist and choir | 9 | 5,285 | - | 5,285 | 6,768 |
| Services and altar requisites | 1,137 | - | 1,137 | 1,238 | |
| Training and mission | 1,150 | ~ | 1,150 | 1,250 | |
| 7,572 | - | _*7,572——~«,2 | |||
| Church Buildings etc | |||||
| Gardens etc | 150 | 987 | 1,137 | 811 | |
| Heat and light | 5,905 | - | 5,905 | 7,397 | |
| Insurance | 3,073 | - | 3,073 | 2,911 | |
| Repairs and maintenance | 34,634 | - | 34,634 | 11,044 | |
| Equipment and depreciation | 995 | - | 995 | 1,814 | |
| Church Centre cleaning and consumables | 3,416 | - | 3,416 | 3,387 | |
| 48,173 | 987 | 49,160 | 27,364 | ||
| Administration | |||||
| Parish office and admin | 7,896 | - | 7,896 | 8,083 | |
| Subscriptions, fees and licences | 1,074 | - | 1,074 | 1,040 | |
| Sundryexpenses | me | 192 | 5,738 | 5,930 | 2,819 |
| Magazine costs | Z | 765 | - | 765 | 750 |
| 9,927 | 5,738 | 15,665 | 12,692 | ||
| Total Church Expenses | 65,672 | 6,725 | 72,397 | 49,312 | |
| *includes a Gift to Independent Examiner | |||||
| 7 CLERGY EXPENSES | |||||
| Contribution to books, robes, travel etc. | 1,383 | - | 1,383 | - | |
| 1,383 | - | 1,383 | - | ||
| 8 PROPERTY EXPENSES | |||||
| Repairs and maintenance | 831 | - | 831 | 1,860 | |
| Insurance | 417 | - | 417 | 412 | |
| 1,248 | - | 1,248 | 2272 |
9 RELATED PARTIES
Payments were only made to members of the PCC, or a closely related family member, to enable them to fulfill their approved duties and on submission of a duly authorised invoice or expense claim with receipts. Fees for invoiced services were paid to the assistant church organist £650 (2024 £170). The Organist was coopted onto the PCC in September 2024 until April 2025 and submitted fee invoices and been paid £ 1,785 for the part year (full year 2025 £3,990) (full year 2024 £4,585).
Page 8 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO BALANCE SHEET
| 2025 | 2024 | ||
|---|---|---|---|
| £ | £ | ||
| 10 | FREEHOLD PROPERTY | ||
| 60 Chichester Drive at cost | 31,030 | 31,030 | |
| (Insuredrebuildingvalueat09.06.25£340,059) |
11 CHURCH EQUIPMENT
| Assets purchased at cost, 01.01.25 | 8,413 | 10,186 | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Additions in the year | - | 3,720 | |||||||
| Disposals ofassets, fully depreciated | - | (5,493) | |||||||
| Assets at cost, 31.12.25 | 8,413 | 8,413 | |||||||
| Accumulated depreciation, 01.01.25 | 5,343 | 10,186 | |||||||
| Depreciation forthe year | 930 | 650 | |||||||
| Depreciation on disposals | - | (5,493) | |||||||
| Accumulated depreciation, 31.12.25 | 6,273 | 5,343 | |||||||
| Net Assets at 01.01.25 | - | - | |||||||
| NetAssets at 31.12.25 | 2,140 | 3,070 | |||||||
| 2025 | 2024 | ||||||||
| Restricted | Permanent | Restricted | Permanent | ||||||
| 12 | INVESTMENTS | Funds | Endowment | Funds | Endowment | ||||
| Charities Official Investment Fund Income Shares | |||||||||
| Units | 689.13 | 2118.22 | 689.13 | 2,118.22 | |||||
| Mid Market Price on 31 Dec 2025 | 1932.19 | 1932.19 | 2029.33p | 2029.33p | |||||
| Market Value | £ | 13,316 | £ | 40,928 | £ | 13,985 | £ | 42,986 | |
| Opening Market Value | 13,985 | 42,986 | 13,676 | 42,036 | |||||
| Closing Market Value | 13,316 | 40,928 | 13,985 | 42,986 | |||||
| UnrealisedGain/(loss) | = | (669) | £ | (2,058) | ¢£ | 309 | £ | 950 |
Page 9 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO BALANCE SHEET
| 2025 | 2025 | 2024 | |||
|---|---|---|---|---|---|
| Unrestricted | Restricted | Total | |||
| £ | £ | £ | £ | ||
| 13 | DEBTORS & PREPAYMENTS | ||||
| Income tax recoverable | 3,075 | 125 | 3,200 | 2177 | |
| Other debtors | 1,367 | - | 1,367 | 708 | |
| 14 | CREDITORS | ||||
| Falling due within one year | |||||
| Accruals for utilities and other costs | 2,626 | - | 2,626 | 2,295 | |
| Income received in advance | 346 | - | 346 | 378 | |
| Other Creditors | 186 | 1,214 | 1,400 | 4,051 | |
| 3,158 | 1,214 | 4,372 | 6,684 |
15 CONTRACTUAL AND CONTINGENT LIABILITIES
There were no contractual or contingent liabilities at the balance sheet date.
Page 10 of 12
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ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
INDEPENDENT EXAMINER'S REPORT
| report on the accounts of the PCC for the year ended 31 December 2025, which are set out on pages 1 to 11, and in the attached PCC report on pages 1 to 10.
Respective responsibilities of the PCC and the Examiner
The charity's trustees consider that an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an Independent Examination is needed. It is my responsibility to :
- Examine the accounts under section 145 of the 2011 Act; - Follow the procedures laid down in the general directions given by the Charity Commissioners under section 145(5)(b) of the 2011 Act; and - State whether particular matters have come to my attention.
Basis of Independent Examiner's Statement
My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes considering any unusual items or disclosure in the accounts, and seeking explanations from the management committee concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in a full audit, and consequently | do not express an opinion on the accounts.
Independent Examiner's Statement
In connection with my examination, no matter has come to my attention:
(1) which gives me reasonable cause to believe that in any material respect the requirements - to keep accounting records in accordance with section 130 of the 2011 Act; or - to prepare accounts which accord with the accounting records have not been met; or (2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
sone. DaraWd sesisaesicdacvevs
dated 2s\3.|26
Pauline Montague FCCA (ret'd) 208 Chignal Road Chelmsford CM1 4SS
Page 12 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
FINANCIAL STATEMENTS
31st December 2025
Registered Charity no. 1131427
Bankers Barclays Bank plc
40-41 High Street, Chelmsford CM1 1BE
Independent Pauline Montague FCCA (Ret'd) Examiner 208 Chignal Road Chelmsford CM1 4SS
F
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
CONTENTS
| PCC Financial Responsibilities | 1 |
|---|---|
| Accounting Policies | 2 |
| Accounting Policies (continued) | 3 |
| Statement of Financial Activities 2025 | 4 |
| Balance Sheet and Accountancy Report, 31st December2025 | 5 |
| Notes to Statement of Financial Activities | 6 |
| Notes to Statement of Financial Activities (continued) | 4 |
| Notes to Statement of Financial Activities (continued) | 8 |
| Notes to Balance Sheet | 9 |
| Notes to Balance Sheet (continued) | 10 |
| Notes to Balance Sheet (continued) | 11 |
| IndependentExaminer'sReport | 12 |
ALL SAINTS' CHURCH, SPRINGFIELD PCC YEAR ENDED 31 DECEMBER 2025
PCC FINANCIAL RESPONSIBILITIES
The financial statements must be prepared in accordance with the Statement of Recommended Accounting Practice: Accounting and Reporting by Charities [SORP (FRS 102)], UK Accounting Standards and the Charities Acts 2011 and 2022. The requirements include the preparation of financial statements for each financial year consisting of a statement of Financial Activities (SOFA) for the financial year and a Balance Sheet at the financial year end together with explanatory notes. In preparing these financial statements the PCC must see that:-
suitable accounting policies are selected and agreed and are applied consistently,
any estimates included are reasonable and prudent.
The PCC is therefore responsible for keeping proper accounting records, which disclose with reasonable accuracy at any time the financial position of the PCC and to enable it to ensure that the financial statements will comply with the requirements of the guidance notes published by the Church of England.
During 2019 with the permission from the Charity Commissioners, the assets of the Church Estate (Charity number 227437) were transfered to the PCC. The Church Estate charity was closed in 2020. The PCC now holds this permanent endowment, and will continue to use the income from the transferred assets for the original purpose, which is for the use and repair of the church or the poor of the parish.
As competent trustees the PCC should safeguard any assets acquired and take any reasonable steps for the prevention and detection of fraud and other irregularities.
Planned Giving levels are slowly declining due to the aging congregation but income from the use of the church centre continues to improve and this year exceeds pre-COVID levels. Fundraising events have been held but these are smaller than previously. Some people have continued to make donations in lieu of church collections or fundraising events, and this has greatly helped. The Parish Share requested for 2025 was again higher than 2024. Due to inflationary pressures and larger maintenance costs incurred, we have only been able to meet just over 70% of the Share requested. Charitable Giving has declined compared to 2024. Most of our usual donations are made through collections at services eg Remembrance Sunday and at Christmas. With online giving becoming easier some of the congregation are now giving directly rather than through charitable collections at special services.
The PCC is required to prepare the financial statements, and to provide any independent examiners with every opportunity to take whatever steps - and undertake whatever examinations - they consider to be appropriate for the purpose of enabling them to give their examination report.
Financial information contained in the annual report of the PCC must be consistent with these financial statements.
The PCC consider that it has met its responsibilities as set out in this statement.
Page 1 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
ACCOUNTING POLICIES
Accounting convention
The financial statements are prepared on an accruals basis under the historical cost convention and in accordance with the applicable accounting standard, Statement of Recommended Accounting Practice (Charities SORP FRS102), UK Accounting Standards and the Charities Act 2011. The accounts do not include the financial activities of any church organisation not directly controlled by the Parochial Church Council. (PCC).
Income recognition
Income from giving, donations, grants, bequests etc., is taken into account on the basis of cash receipts. No account is taken of future contributions under “gift aid”; any contributions paid in advance are carried forward to the period when actually due.
No valuation is placed upon services given free of charge.
Income tax recoverable on gift aid donations is accounted for as claimed for the twelve months up to the thirty first of December in each year.
Investment gains and losses
These include any realised gains or losses on the sales of investments and unrealised gain or loss on revaluing investments held at the end of the year.
Liability recognition
Liabilities are recognised where it is more likely than not that an obligation exists to commit resources, and the amount can be reasonably measured.
Reserves
Transfer of assets from Church Estate including a Permanent Endowment The transfer comprised 2807.35 units of Charities Official Investment Fund Income Shares This is made up of 2118.22 units in the permanent endowment and 689.13 units in the restricted fund. The shares are valued at mid market value at the year end.
Restricted funds
All monies receivable subject to a specific requirement in spending are credited into the restricted funds, which are individually denoted as specified. These may be either of a capital or income nature. Unrestricted funds
All other monies are held for general purposes and classed as unrestricted funds, some of which may be designated for a specific purpose by the PCC. The PCC strives to pay the Parish Share in full if possible, but as a priority it ensures it retains a sum in the region of up to two month's ordinary expenses including an affordable proportion of Parish Share in the General Fund to support timing differences in cash flow. Following a review of finances at the end of the year an extra payment of Parish Share is made to bring the total payments as close as possible to 100% of the amount requested.
Within restricted and unrestricted funds there is a separate investment by the PCC with the CBF Church of England Deposit Fund. Interest received is apportioned on a quarterly balance basis to the individual funds.
Page 2 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025 ACCOUNTING POLICIES (continued)
Assets
Freehold property is capitalised at cost and was originally purchased for the housing of a Curate. As such it is regarded as a long term investment, but has not been re-valued. Under prevailing property market conditions, it is not depreciated. All property is kept under full repair. The property has been let to tenants on a long term basis. The rent is periodically assessed for fairness by the local Rent Officer, and is reviewed annually by the PCC.
Furniture, fittings and equipment items purchased from the General Fund and costing in excess of £1,000, are capitalised and depreciated on a straight line basis over the next four years. Items costing less than £1,000 are written off to the general income and expenditure account in the year of purchase unless forming part of a major refurbishment. Assets purchased from a ‘Restricted’ Fund are written off to that fund in the year of purchase.
NOTES
Property
Any freehold property owned by the PCC is vested in the Chelmsford Diocesan Board of Finance as custodian trustee with a declaration that it has been acquired by the PCC for a special purpose.
Taxation
As a charity the church is not liable for corporation tax. However, it has no VAT status and must bear this tax as charged.
Charity Status
All Saints' Church is a ‘registered’ charity with the Charity Commission. Register number 1131427. This was due to the total annual income of the church being at that time in excess of £100,000. The accrual accounting basis is still applied, despite the limit being raised to £250,000.
Page 3 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC YEAR ENDED 31 DECEMBER 2025 STATEMENT OF FINANCIAL ACTIVITIES
| 2025 | 2025 | 2024 | ||||||
|---|---|---|---|---|---|---|---|---|
| Unrestricted | Restricted | rennanent Endowment |
Total | Total | ||||
| Notes | £ | £ | £ | £ | £ | |||
| INCOMEAND ENDOWMENTS FROM | ||||||||
| Donations and Legacies | ||||||||
| Planned Giving etc | 70,025 | 70,025 | 68,939 | |||||
| Income tax recovered | 19,547 | 125 | 19,672 | 19,483 | ||||
| Collection bags | 6,089 | 6,089 | 5,282 | |||||
| Legacies /In memorium | 10,715 | 10,715 | 47 | |||||
| Donations | 8,230 | 540 | 8,770 | 8,137 | ||||
| Charitabledonations | 5 | 3,125 | 3,125 | 3,971 | ||||
| Grants | 1 | 4,626 | 470 | 5,096 | 470 | |||
| Sundry receipts | ¢actnote) | 6,951 | 6,951 | 2,525 | ||||
| Charitable activities | ||||||||
| Fees | 2,325 | 2,325 | 2,140 | |||||
| Use ofchurch centre | 15,851 | 15,851 | 11,877 | |||||
| Magazine Income | 2 | 2,023 | 2,023 | 1,992 | ||||
| Othertrading activities | ||||||||
| Fundraising | * | 4,249 | 181 | 4,430 | 6,707 | |||
| Investments | ||||||||
| Property income | 12,280 | 12,280 | 11,925 | |||||
| Interestand dividends | 3 | 2,679 | 3,639 | 6,318 | 6,713 | |||
| TOTAL INCOMING RESOURCES | 158,639 | 15,031 | - | 173,670 | 150,208 | |||
| *includes income from | Easyfundraising | |||||||
| EXPENDITURE ON | ||||||||
| Charitable activities | ||||||||
| Parish Share | 4 | 72,000 | 72,000 | 88,000 | ||||
| Giving to charity and worthycauses | 5 | 243 | 3,172 | 3,415 | 4,504 | |||
| Church expenditure | 6 | 65,672 | 6,725 | 72,397 | 49,312 | |||
| Clergyexpenditure | 7 | 1,383 | 1,383 | - | ||||
| Raising funds | 556 | 135 | 691 | 1,186 | ||||
| Other | ||||||||
| Propertyexpenses | 8 | 1,248 | 1,248 | 2,272 | ||||
| TOTALRESOURCES EXPENDED | 141,102 | 10,032 | - | 151,134 | 145,274 | |||
| Netincome before investmentgains/(losses) | 17,537 | 4,999 | : | 22,536 | 4,934 | |||
| Unrealised gains/(losses) oninvestments | 12&16 | - | (669) | (2,058) | (2,727) | 1,259 | ||
| NETMOVEMENT IN | FUNDS | 17,537 | 4,330 | (2,058) | 19,809 | 6,193 | ||
| Funds brought forward at01.01.25 | 79,862 | 96,135 | 42,986 | 218,983 | 212,790 | |||
| Prior Year adjustment | - | |||||||
| Funds carried forward | at 31.12.25 | 97,399 | 100,465 | 40,928 | 238,792 | 218,983 | ||
| Movement(including | transfers)inindividual | fundsis | summarisedon | page11 |
Page 4 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
BALANCE SHEET
| BALANCE SHEET | |||||||
|---|---|---|---|---|---|---|---|
| 2025 | 2024 | ||||||
| Note | Unrestricted | Restricted | rentatient Endowment |
Total | Total | ||
| £ | £ | £ | £ | £ | |||
| Fixed assets | |||||||
| Freehold Property | |||||||
| 60 Chichester Drive | 10 | - | 31,030 | - | 31,030 | 31,030 | |
| Equipment, NBV | 11 | 2,140 | - | - | 2,140 | 3,070 | |
| Investments | 12 | - | - | 40,928 | 40,928 | 42,986 | |
| Total fixed assets | 2,140 | 31,030 | 40,928 | 74,098 | 77,086 | ||
| Current assets | |||||||
| Debtors & prepayments | 13 | 4,442 | 125 | 4,567 | 2,885 | ||
| Investments | 12 | - | 13,316 | 13,316 | 13,985 | ||
| Bank and Cash | |||||||
| Central Board of Finance | 49,978 | 49,078 | 99,057 | 93,376 | |||
| Bank Deposit accounts | 50,368 | 7,927 | 58,295 | 54,195 | |||
| Bank Current accounts | (6,497) | (6,497) | (16,180) | ||||
| Cash in hand | 126 | 203 | 329 | 320 | |||
| Total current assets | 98,417 | 70,649 | 169,066 | 148,581 | |||
| Less current liabilities | |||||||
| Creditors | 14 | 3,158 | 1,214 | 4,372 | 6,684 | ||
| Net current assets | 95,259 | 69,435 | 164,694 | 141,897 | |||
| Total assets less current liabilities | 97,399 | 100,465 | 40,928 | 238,792 | 218,983 | ||
| Parish funds | |||||||
| Unrestricted Funds | 16 | 97,399 | 79,862 | ||||
| Restricted Funds | 16 | 100,465 | 96,135 | ||||
| Permanent Endowment | 12 | 40,928 | 42,986 | ||||
| Totalfunds | 238,792 | 218,983 |
Note: Contractual and contingent liabilities on the above funds are shown in note 15 to the Balance Sheet on page 10
Approved by the PCC on 18 March 2026 and signed on their behalf
----- Start of picture text -----
Bid | 4s a Cede... Chairman
, Revd Sally|Croft
Gaudaslcnseuacsesannes cevandevssstrososeesvcessseoesséesesse Treasurer
| W Poston
----- End of picture text -----
Page 5 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO STATEMENT OF FINANCIAL ACTIVITIES
| 2025 | 2024 | ||||
|---|---|---|---|---|---|
| £ | £ | ||||
| 1 | GRANTS | ||||
| Chelmsford City Council | - Churchyard maintenance | ||||
| - | restricted | 470 | 470 | ||
| Department of Culture, Media | & Sport | ||||
| - | unrestricted | 4,626 | - | ||
| 5,096 | 470 | ||||
| 2 | MAGAZINE ACCOUNT | ||||
| Income | - | Sales | 1,316 | 1,358 | |
| - | Advertisements | 707 | 634 | ||
| 2,023 | 1,992 | ||||
| Expenditure | - | Printing etc | 765 | 750 | |
| Surplus | 1,258 | 1,242 | |||
| 3 | INVESTMENT INCOME | ||||
| Dividends | - | restricted | 1,593 | 1,570 | |
| Interest | - | restricted | 2,046 | 2,206 | |
| - | unrestricted | 2,679 | 2,937 | ||
| 6,318 | 6,713 | ||||
| 4 | PARISH SHARE | ||||
| Total Costs of Ministry | 93,628 | 92,474 | |||
| Mission Support Grant allocation | 8,487 | 7,050 | |||
| 1% discount for paying in | full by Direct Debit | - | 7 | ||
| Parish Share Allocation | 102,114 | 99,524 | |||
| Parish Share paid | 72,000 | 88,000 | |||
| Shortfall | 30,114 | 11,524 |
Under the Diocesan system for Parish Share, a parish is allocated their Total Costs of Ministry (TCM) which includes other elements apart from the costs of a stipendiary eg selecting and training curates, diocesan services to parishes, and contributions to the national church.
Page 6 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO STATEMENT OF FINANCIAL ACTIVITIES
----- Start of picture text -----
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
|5|PARISH|GIVING|2025|2024|
|Unrestricted|Restricted|Unrestricted|Restricted|
|PCC|Collection|PCC|Collection|
|Giving|Giving|Giving|Giving|
|£|£|£|£|
|Home|missions|and|church|societies|
|Angel|Tree|Project|-|250|-|265|
|Bishop's|School|Governors|Fund|200|200|-|
|Children's|Society|-|339|-|287|
|Christians|Together|in|Chelmsford|-|-|200|-|
|Church|Army|-|192|-|183|
|Friends|of|Chelmsford|Cathedral|25|25|-|
|YMCA|Essex|-|345|-|316|
|225|1,126|425|1,051|
|Church|missions|overseas|
|Church|Mission|Society|-|305|-|721|
|Embrace|the|Middle|East|-|328|-|335|
|Tearfund|-|90|30|
|-|632|90|1,086|
|Secular|charities|
|A|Rocha|UK|-|164|-|169|
|Chelmsford|CHESS|-|150|-|140|
|Chelmsford|Foodbank|-|47|-|154|
|Farleigh|Hospice|-|-|-|240|
|Leprosy|Mission|-|114|-|114|
|Macmillan|Cancer|Support|-|806|-|800|
|Royal|British|Legion|Poppy|Appeal|18|133|18|217|
|18|1,414|18|1,834|
|SUBTOTAL|243|3,172|533|3,971|
|Giving|by|Organisations|responsible|to|the|PCC|-|50|-|100|
|TOTAL|243|3,222|533|4,071|
||Donations|re|Easter|Breakfast|is|surplus|after|expenses|
|Overall|total|of giving|-|2025|3,465|
|Overall|total|of giving|-|2024|4,604|
----- End of picture text -----
Page 7 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO STATEMENT OF FINANCIAL ACTIVITIES (continued)
6 CHURCH EXPENSES
| 6 CHURCH EXPENSES | |||||
|---|---|---|---|---|---|
| 2025 | 2024 | ||||
| Unrestricted | Restricted | Total | |||
| Note | £ | £ | £ | £ | |
| Services and ancillary functions | |||||
| Organist and choir | 9 | 5,285 | - | 5,285 | 6,768 |
| Services and altar requisites | 1,137 | - | 1,137 | 1,238 | |
| Training and mission | 1,150 | ~ | 1,150 | 1,250 | |
| 7,572 | - | _*7,572——~«,2 | |||
| Church Buildings etc | |||||
| Gardens etc | 150 | 987 | 1,137 | 811 | |
| Heat and light | 5,905 | - | 5,905 | 7,397 | |
| Insurance | 3,073 | - | 3,073 | 2,911 | |
| Repairs and maintenance | 34,634 | - | 34,634 | 11,044 | |
| Equipment and depreciation | 995 | - | 995 | 1,814 | |
| Church Centre cleaning and consumables | 3,416 | - | 3,416 | 3,387 | |
| 48,173 | 987 | 49,160 | 27,364 | ||
| Administration | |||||
| Parish office and admin | 7,896 | - | 7,896 | 8,083 | |
| Subscriptions, fees and licences | 1,074 | - | 1,074 | 1,040 | |
| Sundryexpenses | me | 192 | 5,738 | 5,930 | 2,819 |
| Magazine costs | Z | 765 | - | 765 | 750 |
| 9,927 | 5,738 | 15,665 | 12,692 | ||
| Total Church Expenses | 65,672 | 6,725 | 72,397 | 49,312 | |
| *includes a Gift to Independent Examiner | |||||
| 7 CLERGY EXPENSES | |||||
| Contribution to books, robes, travel etc. | 1,383 | - | 1,383 | - | |
| 1,383 | - | 1,383 | - | ||
| 8 PROPERTY EXPENSES | |||||
| Repairs and maintenance | 831 | - | 831 | 1,860 | |
| Insurance | 417 | - | 417 | 412 | |
| 1,248 | - | 1,248 | 2272 |
9 RELATED PARTIES
Payments were only made to members of the PCC, or a closely related family member, to enable them to fulfill their approved duties and on submission of a duly authorised invoice or expense claim with receipts. Fees for invoiced services were paid to the assistant church organist £650 (2024 £170). The Organist was coopted onto the PCC in September 2024 until April 2025 and submitted fee invoices and been paid £ 1,785 for the part year (full year 2025 £3,990) (full year 2024 £4,585).
Page 8 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO BALANCE SHEET
| 2025 | 2024 | ||
|---|---|---|---|
| £ | £ | ||
| 10 | FREEHOLD PROPERTY | ||
| 60 Chichester Drive at cost | 31,030 | 31,030 | |
| (Insuredrebuildingvalueat09.06.25£340,059) |
11 CHURCH EQUIPMENT
| Assets purchased at cost, 01.01.25 | 8,413 | 10,186 | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Additions in the year | - | 3,720 | |||||||
| Disposals ofassets, fully depreciated | - | (5,493) | |||||||
| Assets at cost, 31.12.25 | 8,413 | 8,413 | |||||||
| Accumulated depreciation, 01.01.25 | 5,343 | 10,186 | |||||||
| Depreciation forthe year | 930 | 650 | |||||||
| Depreciation on disposals | - | (5,493) | |||||||
| Accumulated depreciation, 31.12.25 | 6,273 | 5,343 | |||||||
| Net Assets at 01.01.25 | - | - | |||||||
| NetAssets at 31.12.25 | 2,140 | 3,070 | |||||||
| 2025 | 2024 | ||||||||
| Restricted | Permanent | Restricted | Permanent | ||||||
| 12 | INVESTMENTS | Funds | Endowment | Funds | Endowment | ||||
| Charities Official Investment Fund Income Shares | |||||||||
| Units | 689.13 | 2118.22 | 689.13 | 2,118.22 | |||||
| Mid Market Price on 31 Dec 2025 | 1932.19 | 1932.19 | 2029.33p | 2029.33p | |||||
| Market Value | £ | 13,316 | £ | 40,928 | £ | 13,985 | £ | 42,986 | |
| Opening Market Value | 13,985 | 42,986 | 13,676 | 42,036 | |||||
| Closing Market Value | 13,316 | 40,928 | 13,985 | 42,986 | |||||
| UnrealisedGain/(loss) | = | (669) | £ | (2,058) | ¢£ | 309 | £ | 950 |
Page 9 of 12
ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
NOTES TO BALANCE SHEET
| 2025 | 2025 | 2024 | |||
|---|---|---|---|---|---|
| Unrestricted | Restricted | Total | |||
| £ | £ | £ | £ | ||
| 13 | DEBTORS & PREPAYMENTS | ||||
| Income tax recoverable | 3,075 | 125 | 3,200 | 2177 | |
| Other debtors | 1,367 | - | 1,367 | 708 | |
| 14 | CREDITORS | ||||
| Falling due within one year | |||||
| Accruals for utilities and other costs | 2,626 | - | 2,626 | 2,295 | |
| Income received in advance | 346 | - | 346 | 378 | |
| Other Creditors | 186 | 1,214 | 1,400 | 4,051 | |
| 3,158 | 1,214 | 4,372 | 6,684 |
15 CONTRACTUAL AND CONTINGENT LIABILITIES
There were no contractual or contingent liabilities at the balance sheet date.
Page 10 of 12
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ALL SAINTS' CHURCH, SPRINGFIELD PCC
YEAR ENDED 31 DECEMBER 2025
INDEPENDENT EXAMINER'S REPORT
| report on the accounts of the PCC for the year ended 31 December 2025, which are set out on pages 1 to 11, and in the attached PCC report on pages 1 to 10.
Respective responsibilities of the PCC and the Examiner
The charity's trustees consider that an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an Independent Examination is needed. It is my responsibility to :
- Examine the accounts under section 145 of the 2011 Act; - Follow the procedures laid down in the general directions given by the Charity Commissioners under section 145(5)(b) of the 2011 Act; and - State whether particular matters have come to my attention.
Basis of Independent Examiner's Statement
My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes considering any unusual items or disclosure in the accounts, and seeking explanations from the management committee concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in a full audit, and consequently | do not express an opinion on the accounts.
Independent Examiner's Statement
In connection with my examination, no matter has come to my attention:
(1) which gives me reasonable cause to believe that in any material respect the requirements - to keep accounting records in accordance with section 130 of the 2011 Act; or - to prepare accounts which accord with the accounting records have not been met; or (2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
sone. DaraWd sesisaesicdacvevs
dated 2s\3.|26
Pauline Montague FCCA (ret'd) 208 Chignal Road Chelmsford CM1 4SS
Page 12 of 12