## 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 reCo￿ls¢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 inCU￿ed.

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
s￿￿1￿s (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 f￿ancIallY 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¢ Chi￿gLd 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
Mo￿lSOn 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/ transfe￿ed 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
I8￿65A￿l
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
255￿2134
TOTAL
255
2134
Retained Earnings 8IF
286?93.41
Retsined Earninas Curren- 112.137.45
luation Surplus
I1.4￿38
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
EX￿P￿o￿Al ￿EMs
Grants Re￿iVed
Projert Net
2L750.(X)
123,140.IJ)
7.462.80
TOTAL EX￿PTIONAL
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 Man￿1
Glft Day
Non GIftAldlDonatlons
Collertlons
Tax Reco¥er•ble GIftAldlPC-
HMRC Uoyds
Other Income4fvln8 Machli
6.110.C(I
6,3L5.rxi
6￿88
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
ma8azoneslpu￿lc•ttons
Charities
3,945.68
4.6x26
312￿0
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 S￿00$
CP and MR
Rent from L•nds. buildln
hTS Interest
Investment thalU￿ort
GIft￿d
L249.11
5WL49
L219.93
95&07
147.n
3.010.
5AKI.IXI
5.41x1.
1I576A4
Weddln
B•pt15m/Conftmw￿Oft
Funeral
nLI
L39Zfy)
L15L(XI
LIIKIXI
.M96
12

EXPENDITURE:
Stlpend-olocese
Mlnlstry Sh•re
3L Th).IXI
357.0)
SL*ft •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- Pon*b
Bank Ch•r8es. •ctOL
Publlc4tlons
other 8enernl
997.06
H•ii ￿￿ts
Electriclty
G•s
Cleanlng
Mainterwnc•
Major RepAJrs
J7.n13•
IY(Y*A4
1563.08
￿(￿5.38
3.053.15
5.301.fj0
I9￿36
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 A￿sED 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
21￿74.1¢
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 inde￿ndent examination is needed.
It is my ￿S￿nsIbIlity 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 tr￿sleeS 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