St Saviour’s Westcliff Trustees Annual Report 2025
2025 proved to be a very busy year for St Saviour’s with a number of projects completed and major changes to the church building. Work on the installation of the accessible toilet and the tea and coffee servery at the back of the church commenced during the first quarter of the year and the project was finally completed in July to the delight of the congregation and to all who use the building. Our thanks go to Robert Godsill, the architect and project manager and also to Lodge and Sons for the excellent workmanship. We also now have water supply to this area of the church which was not the case previously. The cost to date is just over £109,000.00. In order to make full use of the new facilities a number of pews have been removed to create a larger communal area at the rear of the church and new tables and chairs purchased for this area. In addition to providing seating for those using the servery this space is now used for informal church services and for other social activities.
Whilst this major work was taking place routine maintenance of the church and the hall continued and the wooden floor of the hall has been sanded down and re-varnished. It is also planned for the hall to be decorated during the early months of 2026.
In the middle of then year it was announced that St saviour’s would be getting a new curate who would complete his training with us and we were pleased to welcome him is September. Unfortunately our vicar was then diagnosed with cancer and had to take medical leave, leaving the curate to take services with the assistance of a priest for the Eucharist. Again, unfortunately our curate also suffered a serioius medical condition and was forced to take time off meaning that for a period of two months we were without both of our clergy. However our curate managed to resume some duties at the beginning of November whilst the vicar was undergoing treatment. The vicar was finally given the all clear early in 2026 but, following the months of treatment, has decided it is time to retire.
With the completion of the building project, the finances show an excess of expenditure over income of £112,137.00 with total reserves now standing at £255,921.00 as against £367,321.00 at the end of the previous year. We have continued to support the Southend Food Bank, offeribng free use of our facilities as well as supporting financially and have also supported other local and national charities as well as contributing o appeals for overseas disasters. General income was a little down on the previous year with the loss ao a regular user of the church hall and slightly lower giving but it is hoped that with the emphasis onraising funds for the building project no longer in place general income will improve.. With the cost of utilities continuing to increase,
expenditure is likely to continue increasing but we will continue to support worthy causes where ever possible
SAINT SAVIOUR'S PCC- WESTCLIFF ON SEA Charity Registered Number 1132331 Year ended 31 December 2025 st Notes to the Accounts Accounting Policies The flllancial statements hav¢ been prepared in accordance with the Church Accounting Regulations 2006 together with the applicable accounting standards and the "Statement of Recommended Practice" (SORP) (FRS 102) issucd by the Charity Commissioners. The accruals basis of accounting h&s been adopted. Funds The accounts are split into separate funds. The main funth of the council are described in tenns of their purpose and restrictions in Appendix A. Th¢se are unrestricte Designate Restrict¢d or Endowment ID natu. Unrestric¢ed- these are generalfvndf andcan be ed by ihe Pccfor anypurpose. Designated- these are generalfynds bul wuh a specificpurpose in mind They can be frangferred back to unrestrictedfvTh& at any lime. Restricled- these are monies donated or allocatedfor a specific purpose only. Endowment- the capiial mxyt be maintained- only income/inleresl aruingfrom the endowmenl may be JDcoming Resources All incoming resources are account for on a gross basis. Planned giving, collections and donations arc reCols¢d when received. Tax refunds are recognised as soon as the amounts are claimable. Grants and l¢gaci¢s are accounted for whcn the Charity AS legally entitled to the amounts due. Investment income - dividends are accountcd for when receivable. inlcrest and tsx recov¢rable are accnked. All other income is generally recognised when it is receivable. Resources Used The parish share (dioces¢ quota) is paid regularly and is included in expenditure for the year to which it relates. Amounts receivcd specifically for third parties (c.g., Th¢ Childr¢n's Soci¢ty' Christian Aid. CMS ¢tc) are dealt with &% r¢stricted third-paty funds and the liability for payment is rccognised when the amounts are rcccived. All other expenditure is generally recogniscd wh¢n it is inCUed.
l) Charitable Status Members of the PCC are Trustees of the Charity. We were registered on 26th (ktober 2009. The full charity name is: The Parochial Church Council ofthe Ecclesiasiical Parish ofSI. Saviour Weslcliffon Sea. We are legally entitled to use our registered working name, which is St. Saviour's PCC. Westcliff. As recommended by the Church of England. we set our key choritoble objective as "Promoting in the ecclesiastical parish the whole mission of the church". 2) Diocese Faculty - Servery Project During the year St. Saviours paid out £104,640 on the sen'en, projecl at the rear of the Church. We are Lurr¢ntly accruing a further expense of £18.500 for ou15tanding bills and work which neL.ds to be certified making th¢ final expLcl¢d total of £123.140. This is subjcct lu ongoing discussions with Ihe Quantilative Survejor and the BuildL'rs. We also reLeiN'cd grants against Ihis amount of £21,7iO This is broken down further in Appendix B (Page 14) w'hiLh also delails funds ralsed by St. Saviour's parishioners. 3) Fixed Assets Consecrated property is not included in th¢ a¢¢ounls in a¢cordanc¢ with S¢ciion 96(2Xa) of the Charities Act 1993. All assets of Saint Saviour's such as the CJrand Piano and Digital Keyboard were originally donated to the church and as such hai'e been tull). dLpreciated during ?0? l. IndAI'idual ilcms of equipment with a purchase price of £500 or less are alway5 Written off w'hen the assL't it acquired. I'he chairs purchased for thL Scrvery Project, have been fully expensed during 2024 and havc been show'n as an exceptional item in ihe accounts. Investments are shown at market value as at close of business on 31, December 2025. 4) Annual Accounts The 2nnuc?l accounts show an ovcrall deficit (including expcnditure paid ld payable on the Servery ProjL'Lt) o1"£112,137.45 dgainst a surplus of £12,881.53 in 2024. I'here was an overall defiLiI on normal trading activities of £10,747.45 againsi the trading surplus of £20.244.33 in 2024 before any exceptional items. Exceptional Items During 2025 the Lhurch incurred costs of£123,140 on the Servery Project and received £21,750 in granis for this 'Ork, reducing the nL't cost to £101,390. In 2024, new chairs costing £7,462.50 were recognised as an exceplional item.
Iiicoine 4nd Expenditure a) Total income of £97,964.96 for nom?al trading activities (i.e., funds receivedlreceivable) from ai sourccs dccreased by £14.873.23 mainly due to a decre&se in voluntary income of £J,747.12. Hal lettings at £30J47.87 were lower than 2024 by £4,182.739 mainly due to the loss of a regular user See Appendix C (Page 15) for Hall contribution. The Summ¢r Fair and Christmas Bazar contributed net amounts of £945.73 and £lJ55.41 respectively. Investment income was down due to a reduction in rates and funds available. The increase in value of the fom]er Curate's Pmpety of £2,703.32 h&8 reinvested and therefor taken to a revaluation reserve instead of income b) Resourccs used (i.e.. expenditure) were inere&8ed by £162 J8.55 mainly due the incrcases of fuel bills. hall maintenance and cleaning cost offset by a reduction of the Diocese Quota of £29,546 in 2025 from £31,790 in 2024. Reverend Julie Fleming and Reverend Mike Simmonds are both non- stipend. St. Saviour's Church also paid out £311 for repairs to the flat owned by them, although the rental income remained unchanged at £450 per calendar month. (£5.400 per annum). Staff &ssociated costs have remained very similar to thosc of 2024. c) Overall. the Church showed a Surplus summarised as follows.. 2025 2024 Incoming Resources Resources Uiilised s1s (Deficii Before legacies and exceptional items Legacies and osils 2022 97.965 2021 113,428 93,084 2020 2019 65,851 2018 (108.7132 (10.748) 57.201 70,405 96,433 (99,778) 15,621 (78,689) (81,588) 20,344 (102,145) (31,740) (118,095) (11,888) (174.965) (78.532) {12.838) (24,387) Grants Receiv¢d 7,000 21,750 (123,140) 102,823 Nil Nil Exceptional (7,463) Nil Nil Nil Nil Nil Serve Overall Surplus tkficit (112.138) 12,881 22.621 (12,838) 78,436 (31.740) {11.888) (78,532) d) As can be seen from thc summary above, there is an overall deficit. The deficit in 2018 was predominantly due to the heating repairs of some £71,000 and the fall in market perforniances. The expenditure is higher this year following the overall trend in rising costs meaning the church remains reliant upon one-off deposits such as legacies, relurns on funds invested and one-off events such as gift days, which does leave the Church potentially fancIallY exposed. The major element of expenditure being the Stipend Quota is under Constant review by the Diocese and has been advised at £29.946 for 2026, an tncrease of £400 from 2025. Other 'fixed' costs of running the church are the insurance costs of approximately £8,500 per annum and the fuel costs for both the church and hall of £12,000 per annum and £4,000 for hall cleaning. e) In tern]s of resources available to th¢ Church. at 3151 Dcccmber 2025 these amounted to £255,921.34 (including legacies, deposits and writebacks) when compared to thc previous year of
£367J21.03 and is summarised on the Balance Sheet attached. This reduction is mainls, due to the Sern'ery Project. S) Balance Sheet a) Morrison Rose and Nalional Savings Funds were both liquidated during the year to raise funds for the Scrvery. b) General Debtor5 total £4,648.14, consisting of general income not bank¢d unlil after the year end and interest on the CCLA deposits of £1,177.94. FIMRC Gift Aid due amounted to £2.342.32 c) I'he Chelmsford Diocese has confirnied that ihe Ada Ferguson Legacy is the property of St. Sai'iour's and is valued by them at £23,478.82 represented by 1057.6855 shares at £22.193 in the CCLA CBF Church of England Investment Fund. This was valued by the Diocese at 31" December 2025. d) CBF Diocese Funds lotalling £62,437.81 represents the proceeds of th¢ fornier Curate's House, 46 Grosvenor Road which are held on behalf of St. Saviour s by CLI,A C13F as a Lash deposit. This has noH been valued b). Cheln]sford DioLLse at £62,437.81 on 31. December 2025. 1-he incrL&s¢ of £2.703.32 belW'Len this balance and the balaiiLL lasl )'L(Ir of £59,734.49 has beLn reinvested (tnd had been included in thL rev(Iluation Reserve. The income is aLLumulalLd '11h1n the fuiid bul can be withdrawn by the pcc for general ecclesiastical purposes. The us¢ of the capilal can only be used for ilems of a capital nature. Morrison Rose l.egacy has now been liquidatL'd io help wilh financing the Servery Project. e) Accounts Payable ot-£22,219.44 rLpresenl expenses relating to ?0?5, but n(Il paid iintil ?0?6, Lonsisling of the outslandingy bill% and accruals for IhL Servery Project of £18,500. fiuel bills. organist fccs and planned 'ork on lh¢ organ of £690. Monics coll¢cted on behalf of Charities and still owing io them at the year-end represenl £427.67 for the Children's Society. During the year, we also donated from the Church funds: Myanmar Flood Tear Fund Age Concern Southend Southend Food Bank .1 oilei Twinning £500 £2,000 £i.000 £i.000 £60 Tolalling £4,560 which is unfunded. OthLr charilable monies coll¢cled and paid oul M'ere for MaLMillan Cancer and the Bishop s Trust. Si. Saviour's also l¢t% oul the Church to thL local l.ood Bank run by the -frus5¢11 Trust al no charge. If this w¢r¢ ChigLd ihis would rLprL'SLnt income of approximatLlJ £3.000. g) Rent of £450 (being one month), has been receTved in advance.
6) Other Not a) Ex gratia paymeDts- there were no Ex-Gratia payments made in 2025. b) lllstitutioD or body corporAte connected with the Council - theff are no institutions or bodies corporat( connected with the Council. c) Gu8rnTJteo8 given by the Council- the Council have given no 8uarantees. d) Loans outstaDding- there are no loans outstanding. e) Contingent liabilities- there a no recognised contingeni liabilities. Other material fin2ttcial commitments - theTr are no other known material financial commitments apart from the 'Servery Project, rnentioned in Note 2. g) Reserves Policy - there is no reserves policy currently in place, but the purFM)se of each fund is clearly identified- see Appendix A (Pages 8 & 9) Patricia While Treasurer St. Saviour's PCC, Westcliff on Sea Year ended 31" December 2025 Appendix A- Definition of Funds Name Purpose Restrietions D&signation Ada Ferguson Legacy Legacy from partshioner left to Si. Saviour's in 1952. Fund held b the Diocese None- within the scope and responsibility of the PCC Unre5trictedl undesignated Development Fund To fund future developments concerning the Church and Hall buildin8S Only for the purposes of Church and Hall development projects at St. Saviour's Designated CBF Capital To hold the capiLg1 released by the sale ofthe Curate's house in Grosvenor Road to support tUre ca ital develo ments Fund is restricted to capital purposes only Restricted
To hold Ihe interest on the capital released by the sale olihe curate's house in Grosvenor Road to support future capilal developmen CBF Capital Interest Accumulated interest can be used for general purposes Designated Fabric Fund To provide for the costs of the long tern) repairs to the fabric of Si. Savioltr s Only for ihe mainienance of the fabric as stated. at Ihe discrelion of the PCC Designated Friends of St Saviour's Now transferred to Serve Fund To be used for generdl capital and other purposes For general purposes Designated MolSOn Rose Legacy Liquidated in 2025 Legacy from the vicar. The endowment capital is still kepi in Trusl by ihe Diocese and provides income for the parish Income from the endoivment can be used for general purwTrses Endowment PCC Charitable Giving To hold fund5 for distribuiion to charities as direcled by Ihe PCC based on 10/0 of income For distribution to nominated chariliesl organisaiions as directed by the PCC Designated PCC Cieneral Fund Funds raised for the general purpose.% of St. SavioLEr's PCC, W'estcliff None- wiihin the scnpe and responsibi lilv of the pcc I Inrestricledl undesignaied Third Party Collections To hold monies collected for third party charities and the like Amounis lo be paid over onl>. to the causes for which they have been collected ()nl}' to be spent on the purpose desLribed in relation to the Church ()rgan Restricted Organ Fund Funds to be used for ihe repair and tnainienance of ihe Church Organ Restricied Youth Club- Now trydnsferred lo Serve To hold funds belonging to the Youih Club Youih Club purposes Restricted Legacies Over the lasi four year5, legacie5 hai'e been made io the church for general use. These are held within the church funds None- within the scope and responsibility. of the pcc Unreslricted/ Undesignaied Servery fund Monies collected/ transfeed from other funds for Ihe Church Servery Church Servery Resiricted Through choice
ST. SAVIOUR'S CHLIRCH - We5tdlff on Sea Registered Charlty No: 1132331 BALANCE SHEET AS AT 31" DECEMBER 2025 NOTES a124 2Q4 CAF Cash KCOUrt CAF Gold CCiA CBF CX>ID CCIA CBF Gen 20 Uoyd$ 758 Plus Btssines5 National Savings Cash In Hand I865Al 34.167.61 38.$58.50 773y9.31 1630327 om 38W2Ji 41.430.40 36W.07 73.99J.81 46,854.88 15.026.65 l)ebtors. Gener•1 Debtors HMRC LtyK4es. AF CBF Diocese-ProJxrty/MR 4.648.14 2.342.32 23.478A2 62.437.81 2.418.02 2.370.70 44.95330 74.163.05 5b 140.78 376WJ9.69 Stipend Quota Payable kcounts Payable Charity Payable Rents received in advarKe Deffered Income (Grant} 21341.77 427.67 450.(X) 3.69436 i.wJo 45011) 429)AX) sf A4 2552134 TOTAL 255 2134 Retained Earnings 8IF 286?93.41 Retsined Earninas Curren- 112.137.45 luation Surplus I1.438 stipend Surplus 64.175.lJ) 273.511J8 12.881.53 16.752.62 64.175A 255 92134 367 21A13 10
SAINT SAVIOUR'S CHURCH Registered Chariry No: 1132331 STATEMENT OF FINANCIAL AcfiviTIES INCOME Voluntary Inc Generating Income/ Fundir¥d Investwt Iw)mè Church Ser¥Sces 39,226.49 44.290.03 12.576.44 1,872.(X) 42.973.61 50.632.05 16,734.53 2,498.CK) TOTAL INCOME 1ts,838. EXPENIXTURE tNo¢ese Personnel Church Costs Hall Costs Charity 8alance 30..1)) I9.2.88 37.782.38 17.279.15 4.560. 32.147. 19,950.49 32.671.04 7.n5.33 TOTAL EXPENDrruRE 92.493J6 SURPLUSI DERLifoRDINARY aiRRENT YEAR 10,747.45 20y433 3b EXPoAl EMs Grants ReiVed Projert Net 2L750.(X) 123,140.IJ) 7.462.80 TOTAL EXPTIONAL 4390.L¥J OVERALL SURPLus/DEFEaT 114117AI L53
5AINf VKxIR's CHURCH Rezlstered Charfty No.. 1132331 STATEMENT OF FINANCIAL AcnvmES - DEfAILS INCOME: Voluntary IKome Re8ular Income- Uoyds Card Reader Uoyds Regular Incomfr CAF Regular Man1 Glft Day Non GIftAldlDonatlons Collertlons Tax Reco¥er•ble GIftAldlPC- HMRC Uoyds Other Income4fvln8 Machli 6.110.C(I 6,3L5.rxi 688 L967.fKJ .442.98 3.228.34 1,870.00 1753.(Kl L318.83 3J24.02 4J21.44 WrtQLrt &aa5. L963.¢Y2 3.653. 3536.69 33.1179.91 TOTALVOLuKfARY 497UI Rumma8e/Sales/F4lr urch Café Ctrggn Fund Communlty Slngers Church Hall Lettlngs H•ll Meter Income ma8azoneslpulc•ttons Charities 3,945.68 4.6x26 3120 4.450.80 30,347.81 3.fj98.15 7.070.40 687.(X) 4,035J7 34.530.54 520.39 INVEStMEKfiNCOME Dlvldends AF Bank and BS Intewest Natlonal S00$ CP and MR Rent from L•nds. buildln hTS Interest Investment thalUort GIftd L249.11 5WL49 L219.93 95&07 147.n 3.010. 5AKI.IXI 5.41x1. 1I576A4 Weddln B•pt15m/ConftmwOft Funeral nLI L39Zfy) L15L(XI LIIKIXI .M96 12
EXPENDITURE: Stlpend-olocese Mlnlstry Sh•re 3L Th).IXI 357.0) SLft •nd (Wnht VlcarCur•te Hall M•n8er/ Cleaner ,staff Tr•lnln8 CoverCler8Y Admln Costs Org•nist 147A) 1459.03 7AX92 Ll¢X>.82 0.979.44 2.274.93 6.4. 3.549.23 7.31X Insurance OrBan tunln8 etc Church M•lnten•nce Cle8nlng Upkeep servlce5 Chuvth c•lé Electndty Water 8.543.n 3.447.38 4.no.80 I3.(KI 2J31.67 1897. 5.60L95 1.144.10 515.38 5.708.14 L325.IX 3.243AO 1095.48 ILfj70.75 1.196.68 1.236.70 311.IX) Fl•t costs Vic•r•8e M•Jor Rep•lvs- Ponb Bank Ch•r8es. •ctOL Publlc4tlons other 8enernl 997.06 H•ii ts Electriclty G•s Cleanlng Mainterwnc• Major RepAJrs J7.n13• IY(YA4 1563.08 (5.38 3.053.15 5.301.fj0 I936 17279.15 7.n&JJ Mlsslonary Secular B•l•nt¥ 747A5 . 111137A5 13
ST. SAVJOURS CHIIRCH Reglrtered Charlty No: 1132331 CAFÉ PROJECT APPENDIX B 21*t DECEM8ER 2025 FUNDS AsED 70DATE from 2023 to 2025 CAF Bank Gift Day2023 9,020.00 662.50 1.870.00 1.165.50 21.60 GIftDay Church café Fllrns Wimbledon Concert Talent Donations vla TL Donts¥ons-dlrect Sale of Pews Sale olchalrs NetArt l.Tl4. 2.458.00 1230.00 la65.00 461.10 TOTII 2174.1¢ OTHER 21.750. 50.000.00 8S3118 Fthnd$ Fund T[er TOTAL OTHER 80MZ TOTALFVMDS FUMDS ImusED LodgeBulWers 71320.00 TOTAL UTIUSED 14
Independent Examiner's Report To the Parochial Church Council of St. Saviour's Church - Westcliff on Sea Registered Charity Number 1132331 This repx)rt on the fmancial statements of St Saviour's PCC Westcliff on Sea is for the year ended 31 Jt December 2025, as set out in the attached Accounts, Note5 thereto and Balance Sheet is in respect of an examination carricd out in accordance with Section 14 I of the Charities Act 2011 (4 the Act . ) Trustees of the Charity you are respxinsible for the preparation of the financial ststements. You consider that an audit is nol required under section 144 of the Act but that an indendent examination is needed. It is my SnsIbIlity to: l. Examine the accounts under section 14.5 of the Act 2. Follow pr(Kedures laid down in the general dittctions given by the Charities Commission under section 145(5) (b) of the Act: and 3. State whether particular matters have come to my attention. My examination was carried out in accordance with th¢ G¢n¢ral Dircctions issucd by the Charity Commission. An examination includes a review of accounting records kept by the PCC and a comparlson of the accounts presented with those records. It also includes considering any unusual items or disclosures in the flluncial ststements and seeknng explanations from you as trsleeS concerning any such matterJ. The prccedures undertaken do not provide all the evidence that would requinl in an audit and consequently no opinion is given as to whether the accounts prescnt a ' true and fair ' view. My repx)rt is Ilmited to those matters set out in the statement Lrlow.
Independent Examiner's Statement: In connection with my examination, no matter has been brought to my attention which gives me reasonable cause to believe that in any material respect the requirements l. To keep accounting records in accordance with Section 130 of the Act and 2. To prepare financial statements which accord with the accounting records and comply with the requirements of the Act have not been met Nor 3. To which, in my opinion, attention should be drawn, in order to enable a proper understanding of the accounts to be reached. ROY RUThER, A.L.I.B.F. l Blenheim Mews, Leigh on Sea, SS9 3DZ Dated . 9th March, 2026