Registered Charity No: 1134035
ALL SAINTS HERTFORD PCC
(THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF
ALL SAINTS WITH ST JOHN. HERTFORD)
FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

ALL SAINTS HERTFORD PCC
Registered Chaiity No: 1134035
LEGAL AND ADMINISTRATIVE INFORMATION
FOR THE YEAR ENDED 31 DECEMBER 2024
Trustees:
Reverend Simon Cutmore (Chair from 4 September2024)
Andrew Belfiekl (Chair to 3 September 2024)
Colin Bird
Janet Bird
Samantha B¢yMlen
Helen Bnggs
Nenne Chalmers
Linda Dye
Marb'n Penny
Mary Penny
Verity Trdnter
Secretary:
Mary Penny
8ankers:
National Westminster Bank plc
13 Stonehills,
Welwyn Garden Cty.
Hertfordshire
AL8 6ND
Independent Examiner.
Alixe Bainbridge-spring

ALL SAINTS HERTFORD PCC
TRUSTEES, REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024
Registered Charity No: 1134035
The Tnjstees are pleased to submtttheir annual report and financial statements forthe year ended 31 December
2024
Legal and administrative infonnation set out on page 1 fomis a part of this reFM)rt. The financial statements
comply with current ststutory requirements and are prepared on a cash receipts and payments basis.
Objects and policy
The objective and responsibilty of All Saints Hertford PCC is to promote the whole mission of the Church of
England in Hertford, including in particular..
Seeking to make new disciples of Jesus Christ
Reaching more widely into the local communty" and
Deepening our faith.
Organisation
The members of the PCC are elected for three-year tenns by those persons whose names appear on the
electoral roll, which is revised annually, and is open to everyone who is a member of the Church of England
and lives in Ihe parish or who regulady V￿rshipS at All Saints. The PCC is chaired by the Incumbent or Lay
Chair and is led by of its members, Janet Bird and Verty Tranter vtho were re-elected as chu￿hwardens.
The parish also sends elected representstives to the Deanery Synod, which is the next level of church
government.
The PCC is responsible for.
Setting the vision and strategy for the Charty.
Maintaining the fabric of the All Saints church building and of the neighbouring St. John's Hall.
The finances of the church, including the raising of funds to support the activities of All Saints and to
provide the charitable contribution to the DI0￿Se of St. Abans vthich is essential to ffinance the trainin9,
stipends, housing and pensions of the ordained ministry across the diocese.
Maintaining the regular worship of All Saints, including church services and music, subject to the
guidance of the ministy team, and
Social and charttable activities, which are designed both to strengthen the Gommunty spirit of All Saints
and to reach out to our neighbour5 in the wder communty of Hertford and in the world in general.
Implementing the policies of the House of Bishops relating to the safeguarding of children and
vulnerable adults.
From 1 November 2023 until 3 September 2024 church services were led by our Lay Reader Janet Bird with
support from visrting clergy. Our new Priest in Charge, Rev'd Simon Cutmore was installed on 4 September
2024.

ALL SAINTS HERTFORD PCC
TRUSTEES, REPORT continued...
FOR THE YEAR ENDED 31 DECEMBER 2024
Registered Charity No: 1134035
How our activities deliver public benefft
In common with the Church of England in general, we believe that our Church exists for the benefit of all who
wish to take advantage of what it can offer. both in spirrtual terms and in all other respects. Those benefits are
offered withoLrt restrictions or conditions and, although y￿ always v￿lCome contributions to our finances, such
beneffts are wth few exceptions offered free of charge. We therefore seek to be outsvard-looking and inclusive
in all that we do.
At the heart of our acttvtties are the benefits offered by the pastoral mission of the Church, in which we are
involved in our own local area. These beneffts of course include spirrtual support in the great landmark events
of life, such as baptisms, confinnations. weddings, and funerals. However, they extend much more widely than
this and include support for the sick and eldedy and others in special need, and the spiritual and social benefits
of regular or occasional attendance at church services.
Grouped around this core activity of mission are other activities which delwer public benefrt in a variety of
different ways More details can be found in the next following section of this Report, but the range of such
activrties can be summarised as including in particular musical activrties. social activities and activities directed
at particular groups. such as thildren and young families. all of vthich are open to all.
Our regular activities
On Sundays at 10.00 am, we held an °All the Family Service. on the first Sunday of the month, a Family
Eucharist on the third Sunday. and Parish Communion on the remaining Sundays. We celebrated Holy
Communion at 11.00 am on Thursdays.
Our Sunday evening service at 6.30 pm was a Choral Communion on the first Sunday (or a seasonal Carol
Service) and Choral Evensong according to the Book of Common Prayer on the second and fourth Sundays.
We have continued, on the third Sunday evening, a service of Choral Compline.
New pattems of worship for 2025 are being trialled for a period and will be reviewed in June.
We continue our weekly seprfices at Bentley House, a local care home, which now ministers regularly to around
15 elderly residents who could not otherwise attend church.
All Saints has a very strong musical tradition, and we have a Choir of young people and adults, which is open
to anyone wishing to make a regular commttment to leading the congregation in singing at services. and to leam
about the rich variety of sacred music. We believe that the musical training involved has strong educational
beneffts, and many of our fomier choir members have gone on to achieve success both in music and in other
walks of life.
Our Director of Music, Martin Penny and the Assistant Director of Music play the church's fine °Father Willis.
organ and also have a leading role in encouraging the young and enthusiastic atmosphere of our Choir. Another
activrty for which All Saints is known in the tovm is our regular series of °Soundbrtes" concerts on
Wednesday luncmimes. which cater for all ages. but mainly retired people. and are free of charge, although
donations are encouraged. These concerts are of a high standard and often feature promising young
professional musicians wtho arejust startÉng their careers. They are also highly popular, and some of the regular
attenders comment on how fnendly arKI welcoming they are. and how they are a great social service to the
town, as well as a musical one.
We have very good relationships our local schools with regular visits. harvest and Carol services are
very popular and well attended. We also value highly the social and other activrties Connected with the church.
Many special groups exist in the church, for a variety of purposes, and although they are largely attended by
members of the ¢hur¢h communty. they are open to all ￿rythout disb'nction.
In addition. the church is a venue for a number of outside music organisab'ons, including regular concerts by
Hertford Choral Soaety. Once again, we were the hosts for the Hertfordshire Music Festival.

ALL SAINTS HERTFORD PCC
TRUSTEES, REPORT continued...
FOR THE YEAR ENDED 31 DECEMBER 2024
Registsred Charity No: 1134035
Apart from the actiwties already mentioned above, we have a Fl¢)wer Club vthich both arranges flowers in the
church building, including for weddings, and organises occasional special events, an Art Group which has held
a number of exhibitions, a Work Party to undertake essential maintenance tasks and an active group of
bellringers, which we share wth St. Andrews Church. Our Mothers Union branch closed in January 2024. but
our members were given the opportunrty to become members of the Di0￿san Motherfs Union.
We have signed up to Eco Church to examine and improve our environmental impact as a church and church
hall. In addition. we have continued our series of Green Talks on topics such as water and vRterways, birds,
and trees, open to everyone in the communty on a Saturday, with lunches available so that people can meet
beforehand and have discussions about these and other issues.
Review of 2024
The financial wsition is set out in more detail in the following sections of this report.
During the year our operating deficit was £14.903 reduced from 2023 largety due to the excellent results from
our Soundbites conGerts and other events and somewhat reduced utilty costs.
We were able to make in full our requested charitable contribution of £74.786 to the Diocese of St. Albans which
effectively pays for the costs of the Ministy, as well as supporting the Bishop's Harvest Appeal. Other charities
have beneffted from us being open for part of the year to occasional services, in particular funerals and
weddings.
To enhance the security of our church building, we have installed CCTV. funded by a £8,500 contribution from
our associated Memorial Fund. We have also suffered from intemiittent boiler failure and have had to spend
nearly £6,000 on repairs. Wrth one of the two boilers pennanently out of action we are at risk of suddenly having
no heating in our large building. We are looking for a sustainable solution. and have explored infra￿d heating,
but it would not heat parts of our large church and would be hideously expensive. We spent £6.500 on repairs
to our organ, but the Organ Fund was bolstered by a legacy of £15,000.
Great work is done by our Work Party ￿thIch saves us employing contractors at significant ￿$t.
Financial Position
The independently examined accounts of the PCC are attached to this report and full details of the financial
posrtion are contsined therein together wrth the examinerfs report to the Tnjstees. Dunng 2023 we had the
benefft of a £22,000 donation from our asswated Memorial Fund to finance operations. We also benefited from
the interest from the Memorial Fund of £13,690. This enabled us to get through 2024 v￿th a small surplus of
£1,566 on our operating General Fund. Our Memonal Fund stood at £315,723 at the end. of 2024, and led by
our new Vicar, Rev'd Simcfft Cutmre we can now plan how best to enhance our mission and OLrtreach and to
undertake projects in the building and at St John's Hall. which is used extensivety by Community groups.
We are asset rich and income poor. bLrt we now have aC￿S to cash and a profitable hall developable
land behind. Discussions on building a few houses have conts'nued throughout 2024. We have a large church
which is expensive to run, bLrt our Memorial Fund gives us an opportunty to consider how best to replace our
current, unreliable heating system and to consider other major projects. Our challenge is to grow our regular
committed membership, create new income and to grow younger in line wth current Diocesan initiatives
Our general reserves at 31 December 2024 were £1.766. Wtih an increase in the requested Diocese
Contribution, which is £80,039 for 2025, we are looking at a deficit on operations of £25.000 The trustees of the
Memorial Fund have indicated once again that the fund will contribute to the general rese￿es. if ne￿Ssary. as
it did in 2023, to ensure that the church has adequate finanaal resources. To this end we have requested
£25,000 from the Memorial Fund and this has been agreed. Accordingly, the PCC trustees are satisfied that the

ALL SAINTS HERTFORD PCC
TRUSTEES, REPORT continued..
FOR THE YEAR ENDED 31 DECEMBER 2024
Reg18tsred Charlty No: 1134035
charrty's overall funding ts such that li ￿111 be able to meet ts obligations as they fall due in the (xdinary ¢ourse
and accordingty the accounts have been drawn up on a going concem bas￿ using the receipts and payments
Convention.
ReseThes policy and rlsk management
Donations and grants that are prO￿ded tr speryT￿ purposes are treated as Restricted Funds. Atl other reserves
are hekl in Unrestricted fijnds. some ofwhich have been designated forspeaai purposes.
The Trustees confirm that risks are reviehed on an ongoing basis and systems and procedures are brought into
ate to manage those risks.
Trustees are elected at the Annual Parochial Church Meeting or are cJ>opted by the Trustees. The persons
enlitled to vote at the APCM in order to elect the Twstees are those on the Electoral Roll of All Saints Church,
Hertford. Training of new trustees takes the fomi of indiwdual briefings and copies of the guidance for trustees
issued by the Chariti'es Commission as well as trainll￿ sessions wilh Ihe DiocvJe ￿Vering trustees, duties and
safeguarding.
Indepgndant Examlnar
Alixe Bainbridge-spring has been appointed as Independent Examiner to the charity.
Statement of disclosure of inforniation to the Independent Examinor
We, the trustees who held office at the date of approwal of these Financial StateTh*nts. as set out above, each
confirm so far as we are avmre. that.
there is no relevant information of Mthich the charity's mdependent examiner ts unaware,. and
we have taken all the steps that we ought to have tsken as trustees in order to make ourselves aware of any
relevant infomiatlon arKI to establish that the ch￿l￿S ittyendent examiner is aware of that inforniation.
By order of the trustses
Mary Penny
S8cr8tary
19th March 2025

ALL SAINTS HERTFORD PCC
Registsred Chartty No: 1134035
INDEPENDENT EXAMINER'S REPORT
TO THE TRUSTEES OF ALL SAINTS HERTFORD PCC
FOR THE YEAR ENDED 31 DECEMBER 2024
I report on the accounts of the chanty for the year ended 31 December 2024 which are set out on pages 8 to
14.
Respective responsibilities of tnL8tees and examiner
The trustees are responsible for the preparation of the accounts. The trustees consider that an audit is not
required for this year under sectÉon 144 of the Chanties Act 2011 (the Charities Act) and that an independent
examination is needed.
It is my responsibilty to:
examine the accounts under section 145 of the Charities Act.
follow the prO￿dureS laid down in the general Directions given by the Charity Commission (under section
145(5}(b) of the Charibes Act. and
state whether particular matters have come to my attention.
Basis of independent examinerfs statement
My examination was carried out in accordan￿ with general Direcb'ons given by the Charty 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 considerab.on of any unusual items or disclosures in the accounts
and seeking explanations from you as trustees Con￿mIng any such matters. The procedures undertaken do
not provide all the evidence that would be required in an audit, and consequently no opinion is given as to
whether the accounts present a Irue and fair viebrf and the repx)rt is limÉted to those matters set out in the
statement below.
Independent examinerfs ststement
In connection wth my examination, no matter has come to my attention..
which gives me reasonable cause to believe tha( in any material respect, the requirements..
to keep accounting records in accordance with section 130 of the Charities Act; and
to prepare accounts which accord with the accounting records and comply wth the accounting
requirements of the Charrties Act
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.
Alixe Bainbridge-spring
11th February 2025

ALL SAINTS HERTFORD PCC
STATEMENT OF FINANCIAL ACTivrriES
FOR THE YEAR ENDED 31 DECEMBER 2024
Registered Charity No: 1134035
Total
2024
Total
2023
Funds
Funds
Incoming resources
Voluntary income
22.355
1.091
23A46
51,125
Charitable activiti.es
65.318
8.670
73.988
75,469
Investment income
14.951
635
15,592
4,356
Olher income
10A30
15,000
25,430
13,862
Total incoming resources
113.060
25.396
138,456
144,812
Resources expended
Charttable activibes:
Grants and donations
76.626
80,970
82,991
Church serv
45,794
27.030
72,824
54,628
Administration and bank charges
Total resources expended
Net incoming resources trdnsfèrs
{14.904)
(4,985)
119,889)
(67)
Gross transfers betwe￿ funds
Net movement in funds
114,904)
(4,985)
(19,889}
{67)
Reconciliation of funds
Total fvnds at 1 January 2024
16.670
45.602
62.272
62.339
Total funds at 31 December 2024
1,766
40.617
42,383
62,272
The notes on pages 10 to 15 form part of these accounts.

ALL SAINTS HERTFORD PCC
Re￿ Charlty No:1134035
BALANCE SHEET
AS A T 31 DECEMBER 2024
2024
2023
Tangible ￿ed assets
Cash
Cash * bank
Di0￿san Specpl Deposft Account
200
61,570
502
41.655
62,272
42J83
62,272
Funds
Restrtcted furK
40.617
45,602
Designated funds
General fund
1.766
16,870
LX383
£62,272
Approved by tha tr￿109$ on: 19th March 2025
and sfjgned on th8lr bèhalf by
lin Bird
e notes on pages 9 to 15 fomi of these accounts.

ALL SAINTS HERTFORD PCC
NOTES TO THE AccouKrs
FOR THE YEAR ENDED 31 DECEMBER 2024
Registered Chaiity No: 1134035
Trustees. responsibilities
Charity law requires the trustees to prepa￿ financial statements for each financial year, which give a
true and fair view of the state of affairs of the charity and of the incoming resour¢es and application of
resources, including the income and expendrture. of the tharity for the year. In prepating these financial
statements, the trustees are required to".
select suitable accounting policies and then appty them consistently.
make judgments and estimates that are reasonable and prudent.
state whether applicable UK Accounting Stsndards have been follovrfed. subject to any material
departures disclosed and explained in the financial statements.
prepare the financial statements on the going concem basis unless it is inappropriate to presume
that the charity will continue in operation.
The trustees are responsible for keeping proper accounting records that disclose with reasonable
accuracy at any time the financial position of the charrty and enable them to ensure that the financial
ststements Comply wtth the regulations applicable to Smaller Charities preparing their accounts on a
cash receipts and payments basis. They are also responsible for safeguarding the assets of the charity
and hence for tsking reasonable steps for the prevention and detection of fraud and other irregularities.
Accounting policies
Accounting convention and stsndards
The financial ststements have been prepared under the receipts and payments convention.
Basis of preparation
The Charity relies on voluntsry donations from regular givers. cdlections at thurch services and fund-
raising activities. The General reseNes were boosted in 2023 by £22.000 from an associated Memorial
Fund, the first time operations have needed support from this source, ?￿h[ch in the past has been used for
caprtal projects. The fvnd presently stands at £315,000 and it's trustees have indicated that the ftjnd can
respond rffijrtherfunds are requested to replentsh the thurch's general reserves. The trustees are satisfied
that the charity's overall funding is such that it will be able to meet rts obligations as they fall due in the
ordinary course and accordingly the accounts have been drawn up on a going ¢oncem basis using the
re￿iptS and payments convention.
Fixtures, ffttings, and equipment
Fixiures, frtb'ngs. and equipment are deprecHted overtheir useful economic lrfe of three years on a straight-
line basis. There were rK)ne at 31 December 2024 (2023.. none).
Resources expended
Expenses have been classified under headings that aggregate all costs related to the category. Where
costs cannot be direcuy attributed to headings, they have been allocated to acts'vitses on a basis
consistent with use of the resources.

ALL SAIKfs HERTFORD PCC
Reglstered Charity No: 1134035
NOTES TO THE ACCOUNTS
FOR THE YEAR ENDED 31 DECEMBER 2024
Resourc8s expended (continued)
Charitable activth.es are those costs incurred diredy in support of expenditure on the objects of the
charty. Govemance costs are those incurred in connection wtth administratton of the chanty and
compliance with constitutional and statutory requirements.
Incoming resources
All incoming resoutces are included in the Statement of Financial Actrvitie5 (SOFA) when received and
the charity is legalty entrtled to the income.
Taxation
The charity is exempt from tax on its income and gains to the exterrt that income and gains a￿ applicable
to and are applied for charIta￿e purposes onty.
Investment income
Income from investments is induded in the ststernent of financial activities in the year in which it is
received.
Gifts in kind
Where services are provided to the Charity as a donation that would nonnally be purchased from our
suppliers, this contribub.on is included in the financial statements at an estimate based on the value of
the contribLrtion to the charty.
Fund accounting
General funds are unrestricted funds wht¢h are available for use at the discreton of the trustees in
furtherance of the general objectives of the charty and which have not been designated for other
purposes.
Restricted funds are funds vthich are to be used in a¢¢ordance with specific restrictions imposed by
donors or which have been raised by the charity for particular purposes.
From time to time. the trustees designate monies for a particular use and transferfunds from the General
Fund to other Funds.
Voluntary income
Voluntary incoTrE for the year falls into the followwig categories:
Unrestiicted Restricted
funds
funds
2024
Total
2023
Totsl
Donations
St John's Hall
Concerts
Fundraising
8,2PA
10,652
10,209
11.046
11.309
11,046
11,309
22.35S
22.355
29,125
Grants
Memorial Fund
Listed Places of Worship
22,000
1.091
1,091
Gifts in kind
Totsl voluntary income
1.091
23.446
51,125
10-

ALL SAINTS HERTFORD PCC
Registered Charity No: 1134035
NOTES TO THE AccouKrs
FOR THE YEAR ENDED 31 DECEMBER 2024
Incoming resources from Gharitable activib
Unrestricted Restricted 2024
nds
funds
Total
2023
Totsl
Planned gwing
Donats'ons
In¢ome tax reclaimed
Baptisms, vRddings, and funerals
Collections for missions and Char￿eS
40,582
7,280
10,710
4,905
1.841
40.582
15,950
10,710
4,905
1.841
41,963
11,171
13,751
6,370
2,214
8,670
65.318
8.670
73,988
75,469
Investment income
2024
2023
Irrterest from Memorial Fund. short tem deposts and dplidends
15,592
4,356
Other Income
2024
2023
Cull bequest
Hall net lettings
Legacy for Organ FurKI
11

ALL SAINTS HERTFORD PCC
NOTES TO THE AccouKrs
FOR THE YEAR ENDED 31 DECEMBER 2024
Regtstered Charity No: 1134035
Grants and donations
2024
2023
St Ajbans Di0￿san Board of Finan
Teaching awards
Music grants
Bishop's Harvest Appeal- The Leprosy Mission
Isabel Hospice
Royal British Legion
Ordinands Fund
Disasters Emergency Committee Turkey appeal
The Childrens Society
Twenda Education Zamkn'a
Christsn A
74,786
1,888
2.456
460
76,752
2,325
1,700
281
630
463
453
115
106
518
474
238
150
12-

ALL SAINTS HERTFORD PCC
Registered Chaiity No: 1134035
NOTES TO THE AccouKrs
FOR THE YEAR ENDED 31 DECEMBER 2024
Church Services
2024
2023
Heating
Electriiity and ¥v
Insurance
Cleaning. copying and other costs
Repairs and rna1ntenar￿e
Insurance recovery
Musi¢
Organ tuning and repairs
Defibrillator
Energy Audrt
16,431
3,883
7.634
6,050
19,050
19,777
5,435
7,419
10,160
11,483
(12,695)
11,185
1,460
74
330
11,948
7.702
126
Movements in funds
At 1 January Incoming
Outgoing
2024 resources resources
At 31 December
Transfers
2024
Restrict•dldesignated fvnds
Mothers Union Closure Fund
Peregrine Falcons Webcam Fund
Bells Fund
Fabric Fund
Music Development Fund
Choir Legacy Fund
Organ Fund
Defibrillator Fund
155
{151)
77
4,010
2,640
4,286
10,721
3.418
16,985
9,989
126
(276)
(17.683)
(3,430)
(915)
(7,702)
126
9.602
12
16,070
17,816
15,529
Total restricted funds
45,602
25,298
(30,283)
40,617
Unrestrlctsd funds
General Fund
16,670
113.060
1127.964)
1,766
62.272
138,358
(158.247)
(o)
42,383
13-

ALL SAINTS HERTFORD PCC
Registered Charity No: 1134035
NOTES TO THE ACCOUNTS
FOR THE YEAR ENDED 31 DECEMBER 2024
10
The Trustees received no reimbursement of expertses during the year for their services as trustees. The
Vicar rerEives reimbursement of thing expenses incurred in this role.
The average vRekly number of employees during the year was made up as follows:
2024
No:
2023
No:
There were no employees during the peri(MJ and therefore there a
no staff employed Vh￿ eam more than £60,000 per annum
11
During the year. Trustees neither receNed nor waived any enioluments for their services as trustees
{2023". Nil). The PaTish Administrator, who is also a trustee, receives a small honoranum for services In
that rote and the Director of Music. wtK) FS also a trustee, receives fees for se￿1￿$ in that role.
14-