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2020-12-31-accounts

Annual Report and Financial Statements for the Year Ended 31 December 2020

Crawley Baptist Church

Charity registration number: 1134616

Independent Examiners Ltd 2 Broadbridge Business Centre Delling Lane Bosham Chichester West Sussex PO18 8NF

CRAWLEY BAPTIST CHURCH

Contents

Reference and Administrative Details 1
Trustees' Report 2 to 11
Independent Examiner's Report 12
Statement of Financial Activities 13
Balance Sheet 14
Notes to the Financial Statements 15 to 26
Non-statutory pages 27 to 35
Appendix A - Risk management report 27
Appendix B - Thrusts 2018 33

CRAWLEY BAPTIST CHURCH

Reference and Administrative Details

Trustees

Rev Ian Phillips, Senior Minister Mr Ade Aderounmu, Deacon Mr Graham Durrant, Church Secretary Mr Graham Poole, Deacon Mr Ian Larkham, Deacon Mr Alan Michell, Deacon (resigned 26 November 2020) Mrs Sandra Warner, Minister, Pastoral Care Mrs Sue Lindridge, Minister, Children and Youth Mrs Marion Hayden, Minister, Music and Worship Mr Paul Stewart, Deacon Mrs Sharon Golightly (appointed 26 November 2020) Mr Graham Piper

Principal Office

Crabtree Road West Green Crawley West Sussex RH11 7HJ

Charity Registration 1134616 Number

Independent Examiner

Independent Examiners Ltd 2 Broadbridge Business Centre Delling Lane Bosham Chichester West Sussex PO18 8NF

Page 1

CRAWLEY BAPTIST CHURCH

Trustees' Report

The Trustees present the annual report together with the financial statements of the charity for the year ended 31 December 2020.

Structure, governance and management

Crawley Baptist Church is governed by its constitution following the Approved Governing Document provided by the Baptist Union (adopted July 2009). This constitution was submitted to the Charity Commission along with our formal application for independent Charity Registration. The constitution defines the trustees of Crawley Baptist Church as the Minister, Deacons, Secretary, Treasurer and those employed staff who by the nature of their role work together with the Minister and the Deacons in the overall leadership of the Church. The Church received Charity Status from the Charity Commission in early 2010.

1. The Qualifications of a Deacon:

2. The Election of a Deacon

3. The Responsibility of a Deacon

Induction and training of the responsibility of Trustees is done on an informal basis as they are nominated for election. They are made aware of the role and responsibilities and relevant information is passed to them as and when it is received either at the regular monthly meeting or on training or planning days.

Risk management report

Under the Statement of Recommended Practice (SORP (FRS 102) effective 1 January 2019) regulations it is recommended that the Deacons, as Trustees, complete an ongoing Risk Management review. The Deacons have undertaken this review during the year in order to identify and manage the principal risks that may deter Crawley Baptist Church from achieving its main objectives. A copy of the latest review as at 31st December 2020 is included as Appendix A.

Page 2

CRAWLEY BAPTIST CHURCH

Trustees' Report

Objectives and activities

Policies and objectives

Crawley Baptist Church’s Purpose is to:

As a GOSPEL People the church’s values are:

Grace We will be motivated by God’s free gift of love in all that we do.

One Another We will be real as we care for one another and work together.

Servant Hearts We will serve those in the local community and beyond with integrity and love.

People We will share the Good News of Jesus with anyone who does not know him.

Equipped We will identify, develop and use our God given gifts.

Lifestyle We will be good stewards of our time, talents and possessions.

The church’s Vision Statement is that:

By 2020 Crawley Baptist Church will be bursting with life!

The church is committed to enabling as many people as possible to join in its services of worship and its activities and to become part of the church community. The Trustees maintain an overview of all the activities of the church and are constantly monitoring them in order to make any changes necessary in order to involve as wide a group of people as possible.

When planning the year, the Trustees have considered the Commission’s guidance on public benefit and, in particular, the specific guidance on charities for the advancement for religion. We try to help people in the community live out their faith by:

In order to facilitate this work, it is important to maintain the fabric of the premises.

Page 3

CRAWLEY BAPTIST CHURCH

Trustees' Report

Achievements and performance

Review of activities

The “Thrusts 2020” (Appendix B), provided our aims and objectives for the year. During the year we have been working towards the vision set for 2020. In working towards these the church has focused on living out its faith in the community of the church and in the wider community. This has resulted in greater links with the community and a deepening of faith. We have had several new people joining the church for worship. During the year we had a number of funerals for those who had been very much part of the church community.

Regular services of worship at the start of the year

The Church offers a range of services:

Prior to lockdown regular morning services all have provision for children’s and youth ministry where all ages are welcomed and catered for. During the week across a range of activities up to 185 children (up to 11 years) and 43 young people (12 to 18 years) attend at least one activity.

Page 4

CRAWLEY BAPTIST CHURCH

Trustees' Report

Membership

Membership of the Church was 216 at the end of the year. The Deacons want to keep an accurate record of those who are actively fulfilling the requirements of membership. New people had asked to become members while others had either ceased to attend, or had moved out of the area or in one or two cases had died.

Pastoral Care

In its broadest sense, Pastoral Care encompasses everything the church does and includes both the internal activities for the members and attendees and everything that involves the community and those outside of the church, including the use of the church premises.

Prior to lockdown the church premises were used by a number of external organisations during the year to help different sections of the local community. In an average week some 1,200 people will come through the building for the various activities.

The premises were used by all the following external community groups during the early part of 2020. Some of those were regular weekly users, some regular users but less than weekly, and some occasional users.

As well as external groups there are internal church groups who regularly use the premises for the benefit of the community both inside and outside the church:

Page 5

CRAWLEY BAPTIST CHURCH

Trustees' Report

Other groups include:

Page 6

CRAWLEY BAPTIST CHURCH

Trustees' Report

Mission and Outreach

Mission:

Through its Mission Team the church has supported individuals and mission organisations throughout the world during the year. The Church continues to support mission work:

The Senior Minister meets regularly with other Ministers in the town to share together and to talk about how best the wider community can be served.

Outreach:

The Rainbow Lounge is open on Wednesday and Thursday lunchtimes for anyone who wants to come in and enjoy a cup of coffee and a light lunch. Many parents from the Parent and Toddlers group make use of it on Wednesday lunchtime when it is often full, and on a Thursday it serves those who attend mid-week church. It provides a place for people to meet and chat and an easy way for people to see the church and find out what it’s about.

POD is the after school club run at the Church for years 1 to 5. Every Tuesday evening up to 25 children attend and they hear the Christian story and enjoy a range of activities.

Football Club is run every Monday evening at Oriel School in Maidenbower on the all-weather pitches from 7pm-8pm. This is primarily for adults and between 15 and 25 people regularly attend.

Page 7

CRAWLEY BAPTIST CHURCH

Trustees' Report

Kids Matter Parenting Courses: Run in partnership with the local primary school these are parenting courses for parents finding parenting really challenging. They offer a safe place for parents to talk about family life and parenting challenges. Three Kids Matter courses working with 11 families have been run to help them build strong families and help kids to do their best in life. We have seen change, new friendships and some connecting with each other and church families through Family Ministry events.

Family Ministry

Various Family Ministry fun days have been held, picnics, fun games days and movie nights with hot dogs and ice cream. These were for church families alongside families from the community

CAP Life Skills Courses: The church stepped up its role as a CAP partnering church by running a Life Skills course, based at the church. These courses offer skills to those finding it hard to make life work and to introduce them to the Christian faith and the church community.

Examples of the Vision coming to life in the church for the community over the last five years:

Go & Do Life Groups!

Life Groups are small groups of people who “do life” together. They have been getting involved in various community projects including collecting food and packing it on a regular basis for the Easter Team to enable them to distribute it to those who need it. One group has established a chaplaincy service at the local YMCA hostel.

One Voice Community Choir

One Voice Community Choir has been running since January 2018 and now has 60 members with many from outside of CBC. It is great that some of these have been part of our Christmas choir and have joined us in other events.

Endless Song

Endless Song has been running since 2017 and is a key Ancient Path underpinning what we do in church life, as we join together for worship.

Welcome Team

We have grown and encouraged the Welcome Team, preparing Welcome Bags, organising Big Eat meals to welcome newcomers and encouraging everyone in the Church to welcome people.

Page 8

CRAWLEY BAPTIST CHURCH

Trustees' Report

2020 and COVID-19

On the 23rd March 2020 the UK went into a national lockdown. Churches were closed and activities had to cease. While this meant many of the activities of the church and most of the external users stopped using the premises, the church continued to run some meetings via Zoom:

When the restrictions were lifted the church was able to hold:

During this time the church worked hard to connect with both the members, congregation and those outside the church community in the following ways:

The Deacons and Leaders chose not to open the building for Worship when restrictions were eased, however, we have invested in both equipment and skills to develop an effective online presence. Our live streamed services have attracted attendees not previously attached to the church both locally and further afield. It is our intention to continue live streaming once we are able to recommence physical services.

To protect the churches financial position the trustees took the decision to furlough a number of members of staff, particularly associated with the running of the premises.

Page 9

CRAWLEY BAPTIST CHURCH

Trustees' Report

During the year our Operations Manager sadly died. This role was temporarily filled by volunteers and other members of staff, however, towards the end of 2020 the church restructured its staff team and appointed a new Premises Manager.

Plans for the future

Our plans for engaging in the process of Vision Building through 2020 were severely affected by the pandemic and effectively put on hold. We will engage with the process in 2021 in the following ways:

The Thrusts for the Vision Statement will be launched in the summer of 2021:

Next steps will be:

Page 10

CRAWLEY BAPTIST CHURCH

Trustees' Report

Statement of Trustees' Responsibilities

The Trustees are responsible for preparing the Trustees' report and the financial statements in accordance with the United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) and applicable law and regulations.

The law applicable to charities requires the Trustees to prepare 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 resources and application of resources of the charity for that period. In preparing these financial statements, the Trustees are required to:

The Trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the constitution. The Trustees are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The annual report was approved by the Trustees of the charity on 30 September 2021 and signed on its behalf by:

......................................... ......................................... Rev Ian Phillips Mr Graham Durrant Trustee Trustee

Page 11

CRAWLEY BAPTIST CHURCH

Independent Examiner's Report to the trustees of Crawley Baptist Church

I report to the charity Trustees on my examination of the accounts of the charity for the year ended 31 December 2020 which are set out on pages 13 to 26.

Respective responsibilities of Trustees and examiner

As the charity’s Trustees of Crawley Baptist Church you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the Crawley Baptist Church'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 statement

Since Crawley Baptist Church's gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the 2011 Act. I confirm that I am qualified to undertake the examination because I am a member of the Chartered Institute of Management Accountants, which is one of the listed bodies.

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of Crawley Baptist Church as required by section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the accounting 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.

...................................... G W Schulz ACMA

Independent Examiners Ltd 2 Broadbridge Business Centre Delling Lane Bosham Chichester West Sussex PO18 8NF

30 September 2021

Page 12

CRAWLEY BAPTIST CHURCH

Statement of Financial Activities for the Year Ended 31 December 2020

Note
Unrestricted
funds
£
Income and Endowments from:
Donations and legacies
2
374,375
Charitable activities
3
8,643
Investment income
4
460
Total income
383,478
Expenditure on:
Charitable activities
5
347,433
Total expenditure
347,433
Net
income/(expenditure)
36,045
Other recognised
gains and losses
Actuarial gains on
defined benefit pension
schemes
18,258
Net movement in funds
54,303
Reconciliation of funds
Total funds brought
forward
65,627
Total funds carried
forward
14
119,930		 Restricted
funds
£
100
-
-
100
11,402
11,402
(11,302)
-
(11,302)
2,698,963
2,687,661		 Total
2020
£
374,475
8,643
460
383,578
358,835
358,835
24,743
18,258
43,001
2,764,590
2,807,591		 Total
2019
£
303,570
14,772
1,387
319,729
338,779
338,779
(19,050)
-
(19,050)
2,783,640
2,764,590

The notes on pages 15 to 26 form an integral part of these financial statements. Page 13

CRAWLEY BAPTIST CHURCH

Balance Sheet as at 31 December 2020

Note
Fixed assets
Tangible assets
9
Current assets
Debtors
10
Cash at bank and in hand
Creditors: Amounts falling due within one year
11
Net current assets
Total assets less current liabilities
Creditors: Amounts falling due after more than
one year
12
Net assets
Funds of the charity:
Restricted income funds
Restricted funds
Unrestricted income funds
Unrestricted funds
Total funds
14		 2020
£
2,653,600
7,018
198,444
205,462
(27,353)
178,109
2,831,709
(24,118)
2,807,591
2,687,661
119,930
2,807,591		 2019
£
2,653,600
14,207
166,123
180,330
(27,639)
152,691
2,806,291
(41,701)
2,764,590
2,698,963
65,627
2,764,590

The financial statements on pages 13 to 26 were approved by the Trustees, and authorised for issue on 30 September 2021 and signed on their behalf by:

......................................... Rev Ian Phillips Trustee

......................................... Mr Graham Durrant Trustee

The notes on pages 15 to 26 form an integral part of these financial statements. Page 14

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

1 Accounting policies

Statement of compliance

The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2015) - (Charities SORP (FRS 102)), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

Basis of preparation

Crawley Baptist Church meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy notes.

Going concern

The Trustees consider that there are no material uncertainties about the charity's ability to continue as a going concern.

Income and endowments

Voluntary income including donations, gifts, legacies and grants that provide core funding or are of a general nature is recognised when the charity has entitlement to the income, it is probable that the income will be received and the amount can be measured with sufficient reliability.

Donations and legacies

Donations and legacies are recognised on a receivable basis when receipt is probable and the amount can be reliably measured.

Gift aid

Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Expenditure

All expenditure is recognised once there is a legal or constructive obligation to that expenditure, it is probable settlement is required and the amount can be measured reliably. All costs are allocated to the applicable expenditure heading that aggregate similar costs to that category.

Page 15

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

Charitable activities

Charitable expenditure comprises those costs incurred by the charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.

Grant provisions

Provisions for grants are made when the intention to make a grant has been communicated to the recipient but there is uncertainty about either the timing of the grant or the amount of grant payable.

Tangible fixed assets

Freehold property owned by the charity is included in the financial statements at its historical deemed cost and depreciated by writing off the difference between the cost and estimated residual value over its useful economic life. The useful economic life of the property is so long and the residual value so high that any depreciation would not be material.

A review for impairment of a fixed asset is carried out if events or changes in circumstances indicate that the carrying value of any fixed asset may not be recoverable. Shortfalls between the carrying value of fixed assets and their recoverable amounts are recognised as impairments. Impairment losses are recognised in the Statement of financial activities.

Depreciation and amortisation

Tangible fixed assets are carried at cost, net of depreciation and any provision for impairment. Depreciation is not charged on freehold land. Depreciation is provided at rates calculated to write off the cost of fixed assets, less their estimated residual value, over their expected useful lives on the following bases:

Asset class Depreciation method and rate Freehold property not material

Trade debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Page 16

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

Liabilities

Liabilities are recognised when there is an obligation at the Balance sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably. Liabilities are recognised at the amount that the charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

Pensions and other post retirement obligations

The charity operates a defined contribution pension scheme which is a pension plan under which fixed contributions are paid into a pension fund and the charity has no legal or constructive obligation to pay further contributions even if the fund does not hold sufficient assets to pay all employees the benefits relating to employee service in the current and prior periods.

Contributions to defined contribution plans are recognised in the Statement of Financial Activities when they are due. If contribution payments exceed the contribution due for service, the excess is recognised as a prepayment.

Fund structure

Unrestricted income funds are general funds that are available for use at the Trustees's discretion in furtherance of the objectives of the charity.

Designated funds are unrestricted funds set aside for specific purposes at the discretion of the trustees.

Restricted income funds are those donated for use in a particular area or for specific purposes, the use of which is restricted to that area or purpose.

2 Income from donations and legacies

Unrestricted funds
Designated
£
General
£
Donations and legacies;
Donations
57,354
248,284
Gift aid reclaimed
483
54,114
Grants, including capital
grants;
Government grants
-
14,140
57,837
316,538		 Restricted
funds
£
100
-
-
100		 Total
2020
£
305,738
54,597
14,140
374,475		 Total
2019
£
250,592
52,978
-
303,570

Page 17

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

3 Income from charitable activities

Unrestricted
funds
General
£
Use of premises
8,643
4 Investment income
Unrestricted
funds
General
£
Interest receivable and similar income;
Interest receivable on bank deposits
460		 Total
2020
£
8,643
Total
2020
£
460		 Total
2019
£
14,772
Total
2019
£
1,387

5 Expenditure on charitable activities

Unrestricted funds
Note
Designated
£
General
£
Mission costs
-
49,167
Ministry costs
23,408
14,580
Church
premises costs
-
33,190
Manse costs
-
3,577
Administrative
support
-
17,729
Independent
examination
-
1,620
Grant funding of
activities
6
-
17,500
Staff costs
8
-
186,662
23,408
324,025		 Restricted
funds
£
-
1,395
-
-
-
-
-
10,007
11,402		 Total
2020
£
49,167
39,383
33,190
3,577
17,729
1,620
17,500
196,669
358,835		 Total
2019
£
48,270
18,109
33,040
4,449
13,981
1,896
8,975
210,059
338,779

Page 18

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

6 Grant-making

Analysis of grants

Other missionary donations Grants to institutions
2020
£
2019
£
17,500
8,975

7 Trustees remuneration and expenses

During the year, 4 Trustees received remuneration of £92,160 (2019 - 4 Trustees received £90,049).

During the year, 4 Trustees received benefits in kind in the form of pension contributions of £15,746 (2019 - £14,037).

During the year, 3 Trustees received reimbursement of expenses of £3,370 (2019 - 3 Trustees received £6,625).

8 Staff costs

The aggregate payroll costs were as follows:

Staff costs during the year were:
Wages and salaries
Social security costs
Pension costs		 2020
£
161,408
8,786
26,475
196,669		 2019
£
175,098
10,336
24,625
210,059

The number of persons (including senior management team) employed by the charity during the year was as follows:

Employees 2020
No
9		 2019
No
9

No employee received emoluments of more than £60,000 during the year

Page 19

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

Paid Staff

Pastoral Care: Mrs. Sandra Warner Children and Youth: Mrs. Sue Lindridge Children and Families: Mrs. Denise Beer Music and Worship: Mrs. Marian Hayden Operations Manager: Mr. Andrew Middleton Reception Manager: Mrs. Clare Sage Teacher: Rev. Chris Young Financial Assistant: Mrs. Lesley King

Volunteer Staff

Financial Assistant: Mr. Steve Pidgeon

Note: the following Paid Staff are also Trustees under the Constitution adopted by the church in July 2009: Pastoral Care: Mrs. Sandra Warner Children and Youth: Mrs. Sue Lindridge Music and Worship: Mrs. Marian Hayden

9 Tangible fixed assets

Cost
At 1 January 2020
At 31 December 2020
Depreciation
At 31 December 2020
Net book value
At 31 December 2020
At 31 December 2019		 Land and
buildings
£
2,653,600

2,653,600
-
2,653,600

2,653,600
 Total
£
2,653,600
2,653,600
-
2,653,600
2,653,600

The charity owns and utlilises the church premises at Crabtree Road, West Green, Crawley, RH11 7HJ which have been included in the financial statements in accordance with the new accounting framework at the insurance value of £2,431,222. The church manse at 27 Crabtree Road, West Green, Crawley, RH11 7HL, occupied by the senior minister, has also been included at its insurance value of £222,378.

Page 20

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

10 Debtors

10 Debtors
Accrued income
Other debtors		 2020
£
4,172
2,846
7,018		 2019
£
12,673
1,534
14,207

11 Creditors: amounts falling due within one year

Other loans
Other taxation and social security
Other creditors
Accruals		 2020
£
-
2,650
4,998
19,705
27,353		 2019
£
1,000
3,241
4,912
18,486
27,639

12 Creditors: amounts falling due after one year

Baptist Union pension provision 2020
£
24,118		 2019
£
41,701

13 Pension commitments

The Church is an employer participating in a pension scheme known as the Baptist Pension Scheme (“the Scheme”), which is administered by the Pension Trustee (Baptist Pension Trust Limited). The Scheme is a separate legal entity and the assets of the Scheme are held separately from those of the Employer and the other participating employers.

For any month, each participating employer in the Scheme pays contributions as set out in the Schedule of Contributions in force at that time.

The Scheme is considered to be a multi-employer scheme as described in Section 28 of FRS 102. This is because it is not possible to attribute the Scheme’s assets and liabilities to specific employers and means that contributions are accounted for as if the Scheme were a defined contribution scheme. The pensions costs charged to the SoFA in the year are contributions payable towards benefits and expenses accrued in that year, plus any impact of deficiency contributions (see below).

The Ministers and some members of the church staff are eligible to join the Scheme.

Page 21

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

From January 2012, pension provision is being made through the Defined Contribution (DC) Plan within the Scheme. In general, members pay 8% of their Pensionable Income and employers pay 6% of members’ Pensionable Income into individual pension accounts, which are operated and managed on behalf of the Pension Trustee by Legal and General Life Assurance Society Limited. In addition, the employer pays a further 4% of Pensionable Income to cover Death in Service Benefits, administration costs, and an associated insurance policy which provides income protection for Scheme members in the event that they are unable to work due to long-term incapacity. This income protection policy has been insured by the Baptist Union of Great Britain with Aviva plc. (Members of the Basic Section pay reduced contributions of 5% of Pensionable Income, and their employers also pay a total of 5%.) The further 4% contribution rate is reduced to 3% for Employer contributions made to the Segregated DC Arrangement.

Benefits in respect of service prior to 1 January 2012 are provided through the Defined Benefit (DB) Plan within the Scheme. The main benefits for pre-2012 service were a defined benefit pension of one eightieth of Final Minimum Pensionable Income for each year of Pensionable Service, together with additional pension in respect of premiums paid on Pensionable Income in excess of Minimum Pensionable Income. The Scheme, previously known as the Baptist Ministers’ Pension Fund, started in 1925, but was closed to future accrual of defined benefits on 31 December 2011.

Actuarial valuation as at 31 December 2019

A formal valuation of the Defined Benefit (DB) Plan was performed at 31 December 2019 by a professionally qualified Actuary using the Projected Unit Method. The market value of the DB Plan assets at the valuation date was £298 million.

The valuation of the DB Plan revealed a deficit of assets compared with the value of liabilities of £18 million (equivalent to a past service funding level of 94%). The Church and the other employers supporting the DB Plan are collectively responsible for funding this deficit.

The key assumptions underlying the valuation were as follows:

Type of financial assumption % pa
RPI price inflation assumption 3.20
CPI price inflation assumption 2.70
Minimum
Pensionable
Income
increases (RPI)		 3.20
Assumed investment returns
- Pre-retirement 2.95
- Post retirement 1.70
Deferred pension increases
- Pre April 2009 3.20
- Post April 2009 2.50
Pension increases
- Main Scheme pension 2.70

Page 22

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

The next actuarial valuation of the DB Plan within the Scheme is due to take place not later than as at 31 December 2022.

Recovery Plan

In addition to the contributions to the DC Plan set out above, where a valuation of the DB Plan reveals a deficit the Trustee and the Council agree to a rate of deficiency contributions from churches and other employers involved in the DB Plan.

Under the current Recovery Plan dated 30 September 2020, deficiency contributions are payable until 30 June 2026. These contributions are broadly based on the employer's membership at 31 December 2014 and increase annually in line with increases to Minimum Pensionable Income as defined in the Rules. However, the Trustee and the Council agreed a 50% reduction for all deficiency contributions payable between 1 July 2020 and 31 December 2020.

Page 23

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

14 Funds

Current year

Unrestricted funds
General
General Funds
Designated
Gift Day Fund
Memorial Fund
Mission Fund
Specified Ministries
Rainbow Lounge
Total unrestricted
funds
Restricted funds
Koinonia Fund
Evangelism
Outreach & Mission
Fund
Building fund
Total funds		 Balance
at 1
January
2020
£
1,964
63,200
463
-
-
-
63,663
65,627
8,861
36,502
2,653,600
2,698,963
2,764,590		 Incoming
resources
£
325,641
2,413
6,600
33,074
10,764
4,986
57,837
383,478
100
-
-
100
383,578		 Resources
expended
£
Other
recognised
gains/
(losses)
£
(324,025)
18,258
-
-
(1,820)
-
(13,938)
-
(4,390)
-
(3,260)
-
(23,408)
-
(347,433)
18,258
(1,395)
-
(10,007)
-
-
-
(11,402)
-
(358,835)
18,258		 Balance at
31
December
2020
£
21,838
65,613
5,243
19,136
6,374
1,726
98,092
119,930
7,566
26,495
2,653,600
2,687,661
2,807,591

Page 24

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

Prior year

Unrestricted funds
General
General Funds
Designated
Gift Day Fund
Memorial Fund
Total unrestricted
funds
Restricted funds
Koinonia Fund
Evangelism
Outreach & Mission
Fund
Easter Team Fund
Other Specific
Charities
Building fund
Total funds		 Balance
at 1
January
2019
£
(3,208)
67,152
463
67,615
64,407
10,073
55,560
-
-
2,653,600
2,719,233
2,783,640		 Incoming
resources
£
310,674
-
-
-
310,674
80
-
1,961
7,014
-
9,055
319,729		 Resources
expended
£
(328,512)
-
-
-
(328,512)
(1,292)
-
(1,961)
(7,014)
-
(10,267)
(338,779)		 Transfers
£
23,010
(3,952)
-
(3,952)
19,058
-
(19,058)
-
-
-
(19,058)
-		 Balance at
31
December
2019
£
1,964
63,200
463
63,663
65,627
8,861
36,502
-
-
2,653,600
2,698,963
2,764,590

Page 25

CRAWLEY BAPTIST CHURCH

Notes to the Financial Statements for the Year Ended 31 December 2020

15 Analysis of net assets between funds

Current year

Current year
Tangible fixed assets
Current assets
Current liabilities
Creditors over 1 year
Total net assets		 Unrestricted funds
General
£
Designated
£
-
-
72,826
98,575
(27,352)
-
(24,118)
-
21,356
98,575		 Restricted
funds
£
2,653,600
34,061
-
-
2,687,661		 Total funds
at 31
December
2020
£
2,653,600
205,462
(27,352)
(24,118)
2,807,592

Prior year

Tangible fixed assets
Current assets
Current liabilities
Creditors over 1 year
Total net assets		 Unrestricted funds
General
£
Designated
£
-
-
71,304
63,663
(27,639)
-
(41,701)
-
1,964
63,663		 Restricted
funds
£
2,653,600
45,363
-
-
2,698,963		 Total funds
at 31
December
2019
£
2,653,600
180,330
(27,639)
(41,701)
2,764,590

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CRAWLEY BAPTIST CHURCH

- Appendix A Risk Management Report

Finance
Potential risk Potential impact Steps to mitigate risk
Revenue income does
not increase at the rate
required to sustain the
increase in budgeted
expenditure.		 Cut back on revenue
expenditure thus reducing
overall outreach and
impact.		 Monthly financial reports to
the Deacons showing actual
income compared with
projections.
Bi-monthly reporting to
Church Members to indicate
need to increase giving.
Encourage members and
regular attendees to
reassess their giving on a
regular basis (e.g.,
annually at beginning of
each year)
Unexpected expenditure
of General Fund.		 Reduced revenue
expenditure thus reducing
overall outreach and
impact.		 Maintain a reserve of
£32,500 in the General
Fund. This amount is to be
determined by the Finance
Team and recommended to
the Deacons following a
reasonable “stress test” in
accordance with the agreed
policy.
Loss of key
personnel/data with
specialist knowledge of
financial support
systems.
 Loss of all financial
management
and control.		 All data backed-up using
NAS (Network Attached
Storage) drive.
Additional system operator
trained.
Being the victim of fraud Loss of capital/
reputational damage		 Management assessment of
fraud
Processes for identifying
and responding to fraud /
key policies
Reviewed and updated
processes in light of Covid
restrictions and remote
working
Communication to those
charged with governance
and employees around
instances of actual / alleged
/ suspected fraud or misuse
of funds
Serious incidents reported
to Charity Commission

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CRAWLEY BAPTIST CHURCH

- Appendix A Risk Management Report
Personnel
Potential risk Potential impact Steps to mitigate risk
Loss of Staff and other
key
personnel, e.g., through
relocation, promotion,
retirement, ill health or
burn out.		 Loss of direction and/or
control of key areas of
Church life.
Additional pressure on
remaining staff.
Reduction in the Church's
activities.		 Risk reduced as far as
practical by devolving
responsibilities amongst
teams led by staff and
other key personnel.
Sharing responsibilities
through regular staff and
team meetings.
Encouraging open channels
of communication with
Deacons.
Review job descriptions and
procedures for regular
appraisal, review and
development, including
succession planning.
Annual budget review of
staff remuneration
package.
Appropriate policies in place
Data Security
Potential risk Potential impact Steps to mitigate risk
Loss of
Data/Records/Work
from laptops due to
theft, loss, damage, or
breakdown		 Loss of critical information Server is available for staff
to back up sensitive data
Availability of this at home
during remote learning to
be reviewed as part of data
protection review
Data breach or loss of
data		 Heavy financial penalties
or
prosecution.
Reputational damage
Safe-guarding breach		 Review of GDPR in progress
with aim for updated policy
and training to be
performed by end of 2021
Data protection policy in
place
Data handling processes in
place

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CRAWLEY BAPTIST CHURCH

- Appendix A Risk Management Report

Activities
Potential risk Potential impact Steps to mitigate risk
Child abuse allegations
made
against an individual or
individuals as part of
CYM or other Church
organisations working
with children.		 Damage and harm to the
individuals, families and
friends arising from abuse
Legal or other claims
against
individuals and/or the
Church.
Adverse public reaction
towards the Church.
Damage to the children,
parents and families
resulting in a decline of
young people in the
Church.
Damage and loss of
confidence by and in
Children and Youth
Ministry leaders affecting
purpose, values and
vision of the Church.		 Crawley Baptist Church
Safeguarding Policy
implemented and subject to
regular review with referral
to the Disclosure and
Barring Service as
appropriate.
Regular training in
Safeguarding Protection
issues for all those working
with children.
Allegations made
against an individual or
individuals as part of a
Church organisation
working with vulnerable
adults.		 Damage and harm to the
individuals, families and
friends arising from abuse
Legal or other claims
against
individuals and/or the
Church.
Adverse public reaction
towards the Church.
Damage and loss of
confidence by and in the
work with vulnerable
adults affecting purpose,
values and vision of the
Church.		 Crawley Baptist Church
Safeguarding Policy for
Vulnerable Adults
implemented and subject to
regular review with referral
to the Disclosure and
Barring Service as
appropriate.
Regular training in
Safeguarding Protection
issues for all those working
with vulnerable adults.

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CRAWLEY BAPTIST CHURCH

- Appendix A Risk Management Report

Activities
Potential risk Potential impact Steps to mitigate risk
Abuse by member of the
public
or accident otherwise
incurred
causing harm/damage to
other
people, staff or
premises.		 Damage and harm to the
individuals, families and
friends arising from
abuse.
Legal claim against the
church.
Adverse public reaction
towards the Church.		 Appropriate/relevant
insurance cover held
relating to the premises.
Stewards appointed and
staff aware of need for
vigilance and support and
building security
procedures.
Allegations made against
staff,
pastoral and counselling
workers and other
leaders.		 Damage and harm to the
individuals, families and
friends arising from
abuse.
Legal claim against the
church
Adverse public reaction
towards Crawley Baptist
Church and/or legal
claims against individuals
and/or Crawley Baptist
Church.		 Insurance protection held
through the Baptist Union
Minister's Insurance,
subject to regular review.
Additional insurance cover
held through the
Association of
Christian Counsellors.
Adherence to established
good practice.
Trustees make
unintentional
mistakes and/or bring
the Church into disrepute
through their actions.		 Possible legal action
against
the Charity.		 Greater training of Trustees
in respect of their legal
duties.
Appropriate insurance cover
to be considered.

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CRAWLEY BAPTIST CHURCH

- Appendix A Risk Management Report

Premises
Potential risk Potential impact Steps to mitigate risk
Inadequate Health &
Safety
procedures and
measures.		 Claims from staff and/or
voluntary staff due to
actual or potential
accidents occurring.
Adverse inspection from
H&S officials resulting in
legal action being taken
against the Trustees.
Deficiencies in Health and
Safety provisions prevent
the use of the premises,
resulting in curtailment of
the Church's activities.
Overheating in sanctuary
causing illness.		 Ongoing training arranged in
H&S, first aid, fire safety and
food hygiene procedures, and
personnel appointed in key
areas.
H&S Policy approved and
implemented.
Risk Assessments carried out,
implemented and under
regular review.
Ensure appropriate
ventilation.
Premises left unlocked
when
unattended.		 Unauthorised access,
possible theft and/or
damage.		 All Key Holders and leaders
are briefed on security and
lock-up procedures. Car park
gates are normally closed
and secured when there is no
one in the building.
Loss of external door
keys.		 Unauthorised access,
possible theft and/or
damage.		 Intruder alarm system is
normally set when no one is
in the building.
Unauthorised parking in
the
car park.		 Restricted/limited use by
authorised users.		 Car park gates are normally
closed and secured when
there is no one in the
building.
Intruder Theft of equipment or
resources.		 CCTV installed and in use 24
hours.
Outside user groups
using the
premises unattended.		 Misuse of premises
Emergency during use		 Appropriate checks with
groups
Appropriate training in
procedures for fire and first
aid in place.

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CRAWLEY BAPTIST CHURCH

- Appendix A Risk Management Report

Premises
Potential risk Potential impact Steps to mitigate risk
Lack of / or insufficient
insurance held by CBC		 Insufficient / no cover if
anything happens to any
leader or volunteer,
anybody using the
premises, anybody on
external activities.		 Trustees to ensure that the
appropriate insurance is
maintained
Lack of / or insufficient
insurance held by
Contractors/external
users when working
on/using the premises		 CBC Trustees prosecuted
if something happens to
the contractor, other
users, staff or property,
etc.		 Premises Manager or other
approved person confirms
that Contractors hold correct
or adequate insurance to
comply with at least the
appropriate laws plus our
requirements.
Outbreak of COVID-19
amongst staff, volunteers or
other building users.		 COVID-19 virus caught by
staff or volunteers or
other building users
resulting in illness of
various degrees from
minor illness through
serious illness, disability
or even death.		 Ensure that premises are
covid safe by following HM
Government Regulations and
Guidance, Baptists Together
Guidance (updated as HM
Government Regulations and
Guidance are updated), HSE
Guidance, and other
Guidance, Regulations and
requirements from other
organisations.
Completing and regularly
reviewing/revision as
appropriate the following risk
assessment and processes:

Baptists Together
Covid Coronavirus
Risk Assessment for
Opening Baptist
Churches

Reoccupation checklist

Pre-event checklist

Cleaning checklist

CBC COVID -19
Guidance to Internal
Users of the Church
Premises

CBC COVID-19:
Guidance to External
Users of the Church
Premises

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CRAWLEY BAPTIST CHURCH

Thrusts 2020

“By 2020 Crawley Baptist Church will be bursting with life!”

“Family Life”

(Belonging)

We will be living lives that are healthy, vibrant and mature.

We will be living lives that are healthy, vibrant and mature. We will be living lives that are healthy, vibrant and mature. We will be living lives that are healthy, vibrant and mature. We will be living lives that are healthy, vibrant and mature. We will be living lives that are healthy, vibrant and mature.
Project Scope When? Who? Monitoring
 Engaging Younger
Adults		 Identify: who they are
New Life Group(s)/ Integrate
into existing groups
Being seen: involvement
Culture: adapting social media
and website, visual
communication		  Now and ongoing  Young Adults Life
Group?		  Food for Thought Life
Group established.

Adapted the website
during the pandemic to
add content and
enhance
communication.

Facilitated Live Stream
services: purchase of
equipment and
engaged with YouTube
and Facebook for
streaming services.

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CRAWLEY BAPTIST CHURCH

Community Life

(Befriending)

Crawley Baptist Church will be a magnetic, innovative and welcoming community centre.

Crawley Baptist Church will be a magnetic, innovative and welcoming community centre. Crawley Baptist Church will be a magnetic, innovative and welcoming community centre. Crawley Baptist Church will be a magnetic, innovative and welcoming community centre. Crawley Baptist Church will be a magnetic, innovative and welcoming community centre. Crawley Baptist Church will be a magnetic, innovative and welcoming community centre.
Project Scope When? Who? Monitoring
 Connecting with those
outside the church		 Stories from the Frontline:
encouraging connections between
teams/ministry groups
Sign Posting: Stepping Stones, Map,
Journey – facilitating connections
Visual Display: of what’s on and how to
connect		  Now and ongoing
 Now and ongoing
 Over next few
months		  Leaders of teams /
ministries
 Leaders of teams /
ministries
 Staff and Deacons		  Lockdown made
these projects
challenging
 The church made use
of
use of Live Stream,
newsletters, blogs
and post to connect
with a wider audience
than previously
possible.

Page 34

CRAWLEY BAPTIST CHURCH

Everyday Life

(Being)

We will be seeing the extraordinary in the ordinary as we live fruitful lives in all the places we go.

We will be seeing the extraordinary in the ordinary as we live fruitful lives in all the places we go. We will be seeing the extraordinary in the ordinary as we live fruitful lives in all the places we go. We will be seeing the extraordinary in the ordinary as we live fruitful lives in all the places we go. We will be seeing the extraordinary in the ordinary as we live fruitful lives in all the places we go. We will be seeing the extraordinary in the ordinary as we live fruitful lives in all the places we go.
Project Scope When? Who? Monitoring

Recognising Gifts
and Promoting
Opportunities
Network Course: run the
course

Teaching series on Gifts:on
Sunday and in Life Groups

Frontline Stories:Dispatches
from the Frontline

Vision Fair:with 24/7 prayer
September 2020

May – July 2020
Now and ongoing
Week of 7th– 15th
June
Chris,

Ian and others

Everyone!

Teams/Ministries
Network and the Vision Fair
were not possible because of
lockdown and social distancing
rules.

Teaching change to reflect
the context of the lockdown,
so a series called “Second
Choice” based in Daniel was
taught.

Stories and testimonies were
encouraged and shared in
online services.

Page 35