CHRIST CHURCH PCC Weston-super-Mare “Living God’s Love”
Annual Report
And Financial Statements
For the year ended 31 December 2020
Page Contents 2 – 9 Trustees Annual Report 10 Receipts & Payments Account 11 Balance Sheet 12-13 Statement of Assets & Liabilities 14 Report of Independent Examiner
Registered Charity No. 1134074
Church Office: 16 Montpelier, Weston-super-Mare, N Somerset, BS23 2RH
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CHRIST CHURCH PCC WESTON-SUPER-MARE TRUSTEES REPORT FOR YEAR ENDED 31 DECEMBER 2020
GOVERNANCE & MAINTENANCE
The activities of the Church are governed by the Parochial Church Council Measures (1956) as amended by the Church Representation Rules.
Christ Church has been serving this parish, in Weston-super-Mare, since 1855 and during that time has made significant contributions; not least the formation of our Voluntary Aided School, Christ Church Primary School and the formation of the town’s largest charity, Weston Hospice Care. Christ Church is an Anglican Church and is staffed by a full time Vicar and Curate*, a family worker, five licensed readers, a musical director and a church administrator.
- Rebekah Clark left in April 2020; a new Curate, Larissa Trust, is to join Christ Church during summer 2021.
The legal decision-making body is its Parochial Church Council (PCC), which is advised by a number of sub-committees and especially the two Church Wardens. The week to week management of the church is undertaken by a small team chaired by the Vicar who meet monthly. As a church it seeks to be relevant to those who choose to worship here and also those who live within the defined parish boundary, not forgetting those who are in contact from outside those boundaries.
The method of appointment of PCC members is set out in the Church Representation Rules. The membership of the PCC consists of the Vicar, Curate, Church Wardens, Treasurer, PCC Secretary and members elected by those members of the congregation who are on the electoral roll of the church. All those who attend our service are encouraged to register on the electoral roll and stand for election to the PCC.
New trustees are given the Charity Commission booklet for trustees and our Vicar writes them a letter setting out their responsibilities.
The church is responsible for all its financial affairs and conforms to the practice of making a contribution to the Diocese who cover all clergy stipend, pension and housing costs.
The PCC normally meets 6 times a year and there is an Annual Parochial Church Meeting for all those registered on the formal electoral roll of the Church. The PCC is comprised of twelve elected members, three ex-officio members, and two Deanery Synod representatives, making a total of seventeen. PCC Members, who are trustees of the charity are:
Rev T G Webber Miss H Brydges * Rev R Clark Mr A Whitfield Mrs B Hall (Churchwarden) Mr D White (Treasurer) Mr C Cole (Churchwarden)* Mrs J Milsom Mrs A Girling (Churchwarden) Mr D Milsom Dr J Birkett (Deanery Synod)& ** Mr D Crockett Mr H Taylor (Deanery Synod)& ** Mr P Smith Mrs E Cole (Deanery Synod) Mr R Coates Mr A Boardman (Secretary until April)* Mrs R Sodzi Mrs V Fish (Secretary from April)& Mrs H Emery Mr M Pilgrim Mr M Jones
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Gordon Blackman
Mrs A Jones **
*** Left April 2020
-
**** Left July 2020
-
until 14 October 2020 *from 14 October 2020
(APCM originally arranged for 20 April 2020 was postponed until 14 October 2020 due to the Corona Virus pandemic. PCC members due to step down in April agreed to extend their term of office until October 2020)
The PCC is a registered charity No. 1134074. The full name is The Parochial Church Council of the Ecclesiastical Parish of Christ Church, Weston-super-Mare. The working name is Christ Church PCC, Weston-super-Mare.
The church address is 16 Montpelier, Weston-super-Mare, BS23 2RH. The contact address is Mrs Valerie Fish, 25 Addicott Road, Weston-super-Mare, BS23 3PY.
Employees
The Diocese of Bath and Wells is responsible for the stipends of the incumbent and curate, reimbursed by the church’s annual Parish Share contribution. The paid staff include an Administrator (25 hours a week), Cleaners for the Spire Centre(5.5 hours a week (furloughed for a significant part of 2020)), a Musical Director (honorarium) and a Family Ministry Co-ordinator (15 hours a week), all as part of church expenses.
Volunteers
The great majority of the work of the church is performed by our church congregation, who give their time and talents developing the ministries within our church. Volunteers cover every aspect of our church life, including preaching and leading, running groups, cleaning and flowers, maintenance, service preparation, music, catering and administration. With a church membership of about 160, a large proportion is actively engaged in supporting what is happening.
Objectives and Activities
We aim to become a congregation that is “Living God’s Love” . That is love received for ourselves and shown to others in caring, practical ways. But love that is empowered, sustained and directed by God who showed his love for us most of all in the cross of Jesus Christ. . .and that this love of God for us and His world is something that we grow in and are living out our daily lives. We’re not there yet! But this is something we desire to become. We share these aims with our sister church, Emmanuel.
Our principal activities are to provide relevant all age opportunities for weekday and Sunday worship. In normal times this includes facilities for young people through our Youth Church. Most of our church services have been on-line since March 2020 due to restrictions as a result of the Corona Virus pandemic however, families are offered a Church at Home pack to go with the bible teaching from our Sunday Services, these packs include activities, etc for the younger members of our church family to complete and have been enthusiastically received. The online services have been well received and we aim to continue to make our worship (including Daily Prayers) accessible through our website. Unfortunately, our high quality pre-school has been suspended for a part of the year together with all of our face to face group meetings. However, due to the dedication of those who run some of our groups, some ministry and support has continued on-line such as through our parents and toddlers group and Craft and Chat. Home Groups have also moved on-line. We aim to care for each other and those in our community by pastoral visiting and
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visiting residential and nursing homes. Although personal visits have not been practical due to ‘Lockdown’ telephone contact has been maintained.
Our aim will be to re-start all of our weekday opportunities for meeting together in groups for youth, children, men and ladies (Ladies Together, Home Crafts and Mens Group) as soon as it is safe to do so. We are actively involved in our Church school, both through school assemblies and the work of the Governors.
In all these objectives and activities the PCC are aware of their duty to provide services which are of benefit to the general public and have due regard to the Charity Commission guidance.
Achievements in 2020
For the year 2020, it will be no exaggeration to say that it has been a year like no other in the history of the church. The Coronavirus pandemic resulted in our church being closed on Mothering Sunday onwards. Since that date there have been times when the church has reopened for a limited “socially distant” Sunday worship involving a limited congregation. However, despite being separated from each other as a church family; this has not meant the work of the church has ground to a halt. Every Sunday an online pre recorded service was available on our website, at times being substituted by a “live stream” of actual congregational worship. Added to this, “Daily Prayers” (a 5 minute refection of a bible verse with time for prayer) were available every day since March and have been widely used. The numbers accessing our Sunday worship have exceeded our normal congregational sizes. The relatively new technology of Zoom and the like has been used by the majority of life groups and some church groups eg craft and chat and the men’s group. Also, a weekly bulletin “Connected” with news and articles for the parish has been delivered / emailed out to the church family.
As soon as the first “Lockdown” was announced the Weston churches used ROC, a coordinating body, to deliver help to those in our community. Christ Church became a hub church receiving calls from medical practices to offer practical help (shopping/ prescriptions) and befriending phone support to those who asked for it.
Sadly, many of our groups have had to close although Pre school has remained open more or less throughout the year. Contact between members has been maintained as much as possible.
Given how little warning there was of this pandemic, the church has done well using its website to maintain and develop Christian support and contact, to keep in touch with each other and to serve the needy in our community.
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FINANCIAL REVIEW AND FUTURE DEVELOPMENTS
2020 was a challenging but rewarding year. With the coronavirus pandemic forcing the cessation of many church activities, at least in their traditional manner, and requiring quick adapting to new ways of doing church safely, it was clear that income could fall and some new costs arise. Many churches have really struggled to pay their way due to a massive loss of rental income but Christ Church was not in this position. The pre-school were able to continue to pay us rent throughout 2020. We took action to lower our automatic payments to the diocese of Baths & Wells for the Parish Share but each month we were still able to pay the full amount.
The church operates several different funds with the General Fund being used for the church’s core purposes. The General Fund showed a £5,286 deficit in 2020. The fund started the year with a balance of £18,509 and closed with a balance of £12,998.
At each PCC meeting, the members see the General Fund accounts in this format:
| Year to date | Budget | **% budget ** | Variance | |
|---|---|---|---|---|
| Receipts | ||||
| Donations | 6,475 | 1,000 | 648% | 5,475 |
| Grants | 2,412 | - | ||
| Legacies | - | - | ||
| Church Collections | 93,479 | 107,927 | 87% | (14,447) |
| Tax Recovered | 20,741 | 22,165 | 94% | (1,423) |
| Church Events Inc | - | - | ||
| Fund Raising | 192 | 2,550 | 8% | (2,358) |
| Baby & Toddler Group Income | 746 | 2,400 | 31% | (1,654) |
| Church Activities Inc | 4,108 | 3,500 | 117% | 608 |
| Investment Income | 288 | 475 | 61% | (187) |
| Letting Income | 10,092 | 10,688 | 94% | (596) |
| Parochial Fees Received | 4,685 | 4,300 | 109% | 385 |
| Voluntary Receipts-Mission | 1,004 | - | ||
| Reimbursements | 862 | - | ||
| Total Receipts | 145,085 | 155,004 | 94% | (9,919) |
Our main income is donations. The chart below shows how methods of giving changed as a result of the suspension of services. Envelope and plate giving shrank as people helpfully moved their giving to bankers’ orders. We also received some substantial one-off donations. Gift Aid for the period Oct – Dec 2020 will be claimed in 2021 leading to 2020’s accounts showing gift aid covering three quarter years with the expectation that 2021’s accounts will show gift aid covering five quarter years.
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The Diocesan Parish Share accounts for 60% of our General Fund expenditure. This covers clergy stipend and housing together with all of the services supplied by Bath & Wells such as elements of Reader Training, safeguarding management and other support services.
| Payments | Year to date | Budget | **% budget ** | Variance |
|---|---|---|---|---|
| Mission & Outreach | 12,689 | 12,689 | 100% | - |
| Family Youth Children Ministry | 1,794 | 2,865 | 63% | (1,071) |
| Baby & Toddler Group Expenditure | 752 | 2,250 | 33% | (1,498) |
| Church Activities Exp | 3,064 | 1,000 | 306% | 2,064 |
| Church Service Expenses | 1,159 | 1,400 | 83% | (241) |
| Church Events Exp | 12 | - | ||
| Fund Raising Costs | - | 250 | 0% | (250) |
| Heat, Light & Power | 5,609 | 8,125 | 69% | (2,516) |
| Admin expenses | 6,672 | 6,400 | 104% | 272 |
| Independent Examination Fee | - | - | ||
| Repairs & Maintenance | 3,184 | 5,500 | 58% | (2,316) |
| Parochial Fees Paid | 4,070 | 3,250 | 125% | 820 |
| Staff Costs | 18,439 | 17,954 | 103% | 485 |
| Clergy & Staff expenses | 2,460 | 3,538 | 70% | (1,078) |
| Diocesan Parish Share | 89,704 | 89,704 | 100% | - |
| Voluntary Payments-Mission | 668 | - | ||
| Reimbursements / Sundry Payments | 96 | - | ||
| Total Payments | 150,372 | 154,925 | 97% | (4,553) |
| Net receipts /(Payments) | (5,287) | 80 | (5,367) |
Repairs and maintenance was significantly under budget as no major projects were needed in 2020. The large amounts for Church Activities income and expenditure reflect the amount of shopping done for members of our church and local community due to lockdown. Just under £2,500 worth of shopping was undertaken for the community. Admin expenses include the £1,747 spent on our web presence which includes the licences and kit that were needed to start recording and streaming our services. That was over £1,700, against a budget of £60 for web presence! It’s one indication of the impact of the lockdown on budgets and finances.
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Mission and outreach expenditure matched the budget set which was 10% of giving income from the previous year and in 2020 was as follows:
| Christians Against Poverty | £ 2,919 |
|---|---|
| AndyPage | £ 2,400 |
| Interserve: L in Asia | £ 2,350 |
| Wycliffe: The Morrisseys | £ 1,350 |
| The Potters / PAGASA | £ 1,110 |
| UprisingEurope | £ 600 |
| CPAS Camp | £ 500 |
| Family, Youth & Children Ministry | £ 459 |
| CITA | £ 360 |
| LockingDeanery | £ 300 |
| Operation Christmas Child(Shoeboxes) | £ 147 |
| ROC(RedeemingOur Communities)WsM | £ 100 |
| JaM Club | £ 52 |
| Alpha Course | £ 24 |
| HolidayClub | £ 18 |
Outside of the General Fund, the next most used funds are Family Ministry & Youth Work. Its restricted income was £8,642 from donations and expenditure was £9,464. By the end of the year there was a regular monthly income that matched Nicky’s costs.
| Christ Church Other Fund Accounts 2020 | Christ Church Other Fund Accounts 2020 | Christ Church Other Fund Accounts 2020 |
|---|---|---|
| Receipts | Restricted Funds |
Designated Funds |
| Donations | 8,295 | |
| Tax Recovered | 1,916 | |
| Church Events Inc | 10,281 | |
| Baby & Toddler Group Income | 85 | |
| Investment Income | 226 | |
| Voluntary Receipts - Mission | 1,105 | |
| Reimbursements | 1,632 | |
| Total Receipts | 23,540 | |
| Payments | ||
| Mission & Outreach | 73 | 214 |
| Church Events Exp | 10,451 | |
| Repairs & Maintenance | 474 | 1,360 |
| StaffCosts | 9,464 | |
| Voluntary Payments - Mission | 2,266 | |
| Reimbursements /Sundry Payments | 1,696 | |
| Total Payments | 24,424 | 1,574 |
| Net receipts /(Payments) | (884) | (1,574) |
The restricted income and expenditure accounts show Church Events income and subsequent refunds for the cancelled Spring Harvest at just over £10,000.
There was no designated fund income in 2020 and designated expenditure was limited to Alpha Course and clearance work behind the Spire Centre.
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The overall situation with funds in 2020 can be shown as follows:
| Fund | Type | Balance at start of year |
Income |
Expendit ure |
Net | Balance at end |
|---|---|---|---|---|---|---|
| Heating & Lighting | Designated | 15,000 | - | - | - | 15,000 |
| General Maintenance (R) | Restricted | 13,916 | - | 474 | (474) | 13,442 |
| General fund | Unrestricted | 18,509 | 145,085 | 150,596 | (5,511) | 12,999 |
| Legacies | Designated | 12,180 | - | - | - | 12,180 |
| Care Fund | Restricted | 3,284 | 1,033 | 449 | 585 | 3,869 |
| -Greville Investments (Care Fund) | Restricted | 7,742 | - | 7,742 | ||
| Maintenance (D) | Designated | 4,141 | - | 1,360 | (1,360) | 2,781 |
| Family Ministry | Restricted | 1,214 | 7,334 | 6,594 | 740 | 1,953 |
| Family Ministry & Youth Worker | Restricted | 750 | 110 | - | 110 | 860 |
| Youth Worker | Restricted | 2,133 | 1,198 | 2,870 | (1,672) | 461 |
| Energize | Restricted | - | 58 | - | 58 | 58 |
| Spring Harvest | Restricted | 485 | 10,006 | 10,451 | (445) | 40 |
| Active Mens Group | Restricted | 30 | 73 | 73 | - | 30 |
| South Africa trip | Restricted | 50 | 1,639 | 1,689 | (50) | - |
| Alpha | Designated | - | 214 | 214 | - | - |
| Christian Aid (Big Brekkie) | Restricted | - | 129 | 129 | - | - |
| Bekah Clarke Gift | Restricted | - | 776 | 776 | - | - |
| Hayley Brydges Gift | Restricted | - | 920 | 920 | - | - |
| House Party Away | Restricted | (275) | 275 | - | 275 | - |
| 79,160 | 168,849 | 176,594 | (7,745) | 71,415 |
As our overall incoming resources were under £250,000 we have remained with receipts & payments accounts. There was a net decrease in overall funds this year of £7,744. There was a decrease in unrestricted funds of £6,870 and a decrease in restricted funds of £873. At 31 December 2020 there is a balance of unrestricted reserves of £42,959 and of restricted reserves of £28,455.
As Treasurer, David White has kept the PCC members fully informed during the past year, with copies of actual against budget figures sent out ready for each meeting, when there is opportunity to explain, analyse and discuss. At the beginning of the year David & Tom drew up a draft budget which was presented to the PCC in January for discussion, amendment and ratification. The minutes of each meeting are posted at the back of church for the congregation to read and the Treasurer is happy to discuss any issues that may arise.
The PCC has been able to meet all of its financial commitments in 2020. The family ministry worker continues to be funded by restricted donations and regular pledges and it has been encouraging to see these grow to a point where Nicky’s salary is now covered each month. Early in 2020, before the pandemic, the PCC agreed to employ an additional worker to work with families and youth but this has been put on hold.
There is £15,000 in the heating and lighting fund for future heating replacement included in unrestricted funds. There are also maintenance funds with a balance of £16,222 at 31 December 2020.
Also included in unrestricted funds is the legacies fund with a balance of £12,180 at 31 December 2020. The PCC can agree how the legacies reserve is to be spent. In 2021 it may be used to absorb the planned General Fund deficit.
For 2021 the PCC has set a budget with a deficit of £14,242. We have budgeted church collections (inc. bankers orders and envelopes etc) income to be £94,875, 1% up on 2020’s actual figures but this is 12% below 2020’s budget. We are not expecting to receive grants in 2021; we have budgeted one-off donations at £1,720 and do not expect to receive any income from the Toddlers group. This reduces budgeted income to £136,691. We have set budgeted expenditure to be 1% up on 2020’s actual at £150,933. This includes the costs associated with our new curate starting later in the year and mission giving being set at 10% of last year’s overall giving income. The Family Youth Children Ministry budget has increased, as has the energy budget.
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In the last quarter of 2020 Dave Wilkes stepped down as Gift Aid Administrator. We are very grateful for the work that he did in processing the quarterly claims. This work will now be done by Jane Milsom. To provide cover for David White as Treasurer, Wendy Taylor kindly agreed to learn some of the treasurer tasks and is currently assisting with some of the regular treasurer duties.
RESERVES
It is PCC policy to try to maintain a balance on free reserves which equates to at least three months unrestricted payments. This is equivalent to £37,593. It is held to smooth out fluctuations in cash flow and to meet emergencies. The balance of the free reserves at the year-end was £42,959 which is higher than this target. Balances on restricted funds are held for various purposes and there are sufficient funds in these to meet their current restricted costs.
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Receipts and Payments Account
| Unrestricted Designated Restricted Endowment Total Prior year funds funds funds funds funds total funds |
|
|---|---|
| Receipts Donations and legacies Income from charitable activities Other trading activities Investments Other income Total receipts Payments Raising funds Expenditure on charitable activities Other expenditure Total payments Excess of receipts over payments before transfer Transfers Gross transfers between funds - in Gross transfers between funds - out Excess of receipts over payments before other gains / losses Net movement in funds All assets at 01 January 2020 All assets at 31 December 2020 Represented by Unrestricted General fund Designated Alpha Heating & Lighting Legacies Maintenance (D) Restricted Active Mens Group Bekah Clarke Gift Care Fund Energize Family Ministry Family Ministry & Youth Worker General Maintenance (R) Hayley Brydges Gift House Party Away R-Christian Aid South Africa trip Spring Harvest Youth Worker |
122,561 11,109 133,671 133,424 9,730 12,204 21,935 29,677 10,091 10,091 10,984 288 225 513 696 2,412 2,412 19,032 |
| 145,085 23,540 168,625 193,815 250 150,443 1,574 24,423 176,441 199,232 96 96 188 |
|
| 150,539 1,574 24,423 176,537 199,671 |
|
| (5,454) (1,574) (883) (7,912) (5,855) 214 10 224 (224) (224) |
|
| (5,678) (1,360) (873) (7,912) (5,855) |
|
| (5,678) (1,360) (873) (7,912) (5,855) |
|
| 18,509 31,321 29,329 79,160 85,016 |
|
| 12,830 29,961 28,455 71,247 79,160 12,830 12,830 18,509 15,000 15,000 15,000 12,180 12,180 12,180 2,780 2,780 4,140 30 30 30 11,610 11,610 11,026 58 58 1,953 1,953 1,213 860 860 750 13,442 13,442 13,916 (275) 50 40 40 485 461 461 2,133 |
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Balance sheet
| Total funds Prior year funds |
|
|---|---|
| Current assets Investments Cash at bank and in hand Liabilities Creditors: Amounts falling due in one year Net current assets less current liabilities Total assets less current liabilities Total net assets less liabilities Represented by Unrestricted General fund Designated Heating & Lighting Legacies Maintenance (D) Alpha Restricted R-Christian Aid House Party Away South Africa trip Spring Harvest Youth Worker Hayley Brydges Gift Active Mens Group Bekah Clarke Gift Care Fund Energize Family Ministry Family Ministry & Youth Worker General Maintenance (R) Funds of the church |
7,741 7,741 63,673 71,418 |
| 71,415 79,160 168 |
|
| 168 | |
| 71,247 79,160 |
|
| 71,247 79,160 |
|
| 71,247 79,160 12,830 18,509 15,000 15,000 12,180 12,180 2,780 4,140 (275) 50 40 485 461 2,133 30 30 11,610 11,026 58 1,953 1,213 860 750 13,442 13,916 |
|
| 71,247 79,160 |
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Statement of assets and liabilities
| Balance | Previous balance |
|
|---|---|---|
| Cash at bank and in hand CA: NWB Current Account - Asset General fund Unrestricted Maintenance (D) Designated Active Mens Group Restricted Care Fund Restricted Energize Restricted Family Ministry Restricted Family Ministry & Restricted Youth Worker House Party Away Restricted South Africa trip Restricted Spring Harvest Restricted Youth Worker Restricted CAT: Catering Petty Cash - Asset General fund Unrestricted DEP: CBF Church of England Deposit Fund - Asset General fund Unrestricted Heating & Lighting Designated Legacies Designated Maintenance (D) Designated Active Mens Group Restricted Care Fund Restricted Family Ministry Restricted Family Ministry & Restricted Youth Worker General Maintenance Restricted (R) Spring Harvest Restricted Youth Worker Restricted NWCF: NWB Reserve - Care Fund - Asset Care Fund Restricted PC: Office Petty Cash - Asset General fund Unrestricted Care Fund Restricted TPC: Toddlers Petty Cash - Asset General fund Unrestricted Cash at bank and in hand |
4,236 4 58 1,360 110 195 |
7,382 60,329 3,284 99 71,418 5,746 1,360 30 19 (275) 50 485 (33) 12,340 15,000 12,180 2,781 1,195 750 13,916 2,166 3,284 99 324 324 |
| 5,963 166 166 8,434 15,000 12,180 2,781 30 (83) 594 750 13,442 40 266 |
||
| 53,435 3,998 |
||
| 3,998 163 (50) |
||
| 113 63,674 |
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Investments
GCMR: Greville Charity - Mission Room & Relief - Asset
Care Fund Restricted 3,854 3,854 3,854 3,854 GCPW: Greville Charity - Poor Women - Asset Care Fund Restricted 3,888 3,888 3,888 3,888 Investments 7,742 7,742 Creditors: Amounts falling due in one year Z04: Accounts Payable - Liability General fund Unrestricted 168 168 Creditors: Amounts falling due in one year 168 Grand Total 71,247 79,160
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Independent examiner's report on the accounts
Section A Independent Examiner’s Report
Report to the trustees/ members of
Christ Church PCC Weston-super-Mare
On accounts for the 31 December 2020 Charity no (if any) 1134074 year ended Set out on pages 1 to 13
I report to the trustees on my examination of the accounts of the above charity (“the Trust”) for the year ended 31/12/2020.
Responsibilities and As the charity's trustees, you are responsible for the preparation of the basis of report accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).
I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.
-
Independent examiner's I have completed my examination. I confirm that no material matters have statement come to my attention in connection with the examination which gives me cause to believe that in, any material respect:
-
the accounting records were not kept in accordance with section 130 of the Charities Act; or
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the accounts did not accord with the accounting records; or
-
the accounts did not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair’ view which is not a matter considered as part of an independent examination.
I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.
Signed: Date: 15 March 2021 Name: Mr. Mark R Sommers Relevant professional FCA – Institute of Chartered Accountants in England & Wales qualification(s) or body (if any):
Address: 31 Blue Water Drive, Elborough, Weston-super-Mare BS24 8PF
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