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2025-12-31-accounts

TRUSTEES ANNUAL REPORT & FINANCIAL STATEMENTS

FOR THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF CAVERSWALL STOKE-ON-TRENT Charity Reference Number 1142709

FOR THE YEAR ENDED 31[ST] DECEMBER 2025

TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

The PCC of the Ecclesiastical Parish of Caverswall

Contents Page
Introduction and Report from the Vicar 3
Trustees Annual Report 7
Independent Examiner’s Report 17
Statement of Financial Activities 18
Balance Sheet 19
Notes to the Financial Statements 20

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

INTRODUCTION: The Parochial Church Council of the Ecclesiastical Parish of Caverswall is responsible for the whole mission of its two Churches; St. Peter’s and St. Andrew’s.

St. Peter’s Church is situated in the village of Caverswall in the Staffordshire Moorlands. It is a pretty, medieval Church building, enlarged and adapted over the centuries, with a written record of Incumbents dating back to 1230. It is popular for Weddings and Baptisms, seats approximately 160 people, and has a small kitchen and toilet area and a bell tower that was restored in 2008.

St. Andrew’s Church is located in Weston Coyney, Stoke-on-Trent and was built and dedicated in 1984, with the aim of serving the communities there, within whose boundaries the Church is situated. It is a modern building, with a seating capacity of approximately 200 people. Within the building is also a Centre which comprises a hall, large kitchen, toilet facilities and a smaller kitchen, plus a number of smaller rooms and office space. The Parish Office is based there, and the Centre and small rooms are hired by local Community groups and are in almost constant use throughout the week.

St. Peter’s have fortnightly services and St. Andrew’s, weekly on Sunday mornings, but they operate closely as a Parish Community with many shared events, activities and administrative arrangements. They work together with All Saints Church (the Parish of Dilhorne) as a United Benefice, with one Incumbent for the three Churches. The Benefice is in the Cheadle Deanery, the Archdeaconry of Stoke-upon-Trent, and the Diocese of Lichfield (Church of England).

TAR Vicars’ Report 2025

Who would have though at the last APCM that life would have changed so dramatically for Ali and myself, as well as for the church family. Although we were looking for a home to retire to at some stage, using most days off on a Thursday to look at houses for sale in Shrewsbury, it seemed that an appropriate house would never be found, until walking in to the house on Mount Pleasant Road that is now our home. It was very much a God moment, and both Ali and I realised that this was down to divine provision. Since October 2025, we have had builders, plumbers, electricians, plasterers, and carpet fitters in and got on with decorating as much as was possible before moving in on 6th March this year! So I am no longer Vicar of All Saints, St. Peter’s and St Andrews, and am trying to find our way in retirement, but this report gives me an opportunity to look back at an amazing Church family we have had the privilege of being part of, and an amazing year we have spent together seeking to honour the Lord in ALL we do!

SO - I start with a few HUGE THANK YOU’s…

THANK YOU … for your exceptional church wardens, for their support and love…!!

THANK ‘ YOU ’ … that there is a heart for worship here in our churches…

… Where God is honoured and there is a desire to grow into all that God intends for us…

THANK YOU … for all those who are new to our Churches - who are NOW part of the Church family, and seeking to grow with us as disciples of the Lord Jesus!!

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

THANK YOU … that there is a desire to struggle with the things of God - because the teaching from His Word is important to you; that sermons are listened to, and responded to so so wonderfully!

So it has been a privilege to struggle with preparing messages, and a privilege to share in that teaching ministry with Josie, Dave, Terry, and Katie!

THANK YOU … to Gemma in the office, who is again working so hard to keep the busyness of our Churches, especially things during the week with funerals etc, under control, and see the right people in the right place at the right time!! Gemma now works mornings for our parishes, and then afternoons for Forsbrook, so her amazing skill set is being shared with another Church family.

THANK YOU … to Jerry and the team.. for all they do to encourage our growing SUNDAY CLUB, and for all the incredible creations JERRY manufactures. Now at the front of Church is a cross created from off-cuts of wood from all around the world, glued in place by all at St. Andrew’s church, sharing the idea that ‘together’ our churches honour the wonder of Salvation seen in the cross.

THANK YOU … that YOU are so sacrificial with your giving and your support (especially your financial support) for all of Church life in our churches. We are not only able to pay our bills - but still give resources into the mission of the Church around the world. And ‘ that’ THANK YOU must include the team that look after the Church finances from both Parishes…

And then THANK ‘YOU’ … that most of our Church family are involved to a greater or lesser degree in making Church, and Church events, happen week by week. And if people are unable to be involved physically, they are working as prayer warriors, lifting the life of our Churches to the Lord ‘IN PRAYER’…!

SO - THANK YOU for being YOU !!

But this year has been very full on a number of levels.

Open Doors Events at St. Peter’s ... A number of events through the summer, and a one-off running up to Christmas were full of community members as well as Church members. So much joy-filled energy goes into making these the success they are and I am so grateful to the teams and individuals that make them happen.

Morning Coffee ... Continue to be an ongoing success. A good number of people are now regulars from both within the Church family, and from the broader community. I still thrill at the number of people committed to making these gatherings a success, and especially the cake makers who make sure there is plenty of choice.

Sermon Series ... Again I am immensely thrilled with the effort our four Reader’s put into preparing to lead services, and especially to preach. We work for most of the year with sermon series, but cut back into the Lectionary Readings for Lent and Advent. The Church family here respond so powerfully to sermons, and that encourages us as preachers to struggle with the Word to give a prayerful, and hopefully inspired, message.

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

Alpha Course ... The last Alpha Course in my time as Vicar has again been a real success both numerically, but more importantly through peoples’ response to the course material! We had people who had attended the previous year’s Alpha, and a good number of new people as well, and it leads to a great interaction of debate, conversation and mutual support.

Open the Book … We now have an Open the Book team taking Bible stories into schools in a creative way. This stunning initiative has been around my ministry since my Curacy in Bedford, and I know just how successfully Open the Book communicates with the children, and the way they remember the stories and the ‘God Truth’ within the stories!

Music Group … Over my years in these two parishes, I had sought to encourage faithfilled musicians to lead the worship and bring us into the presence of God in our regular services. That certainly is true of our organists who cover Sundays and funerals and weddings, Then the band at All Saints are such a consistent force, and lead with such joy, even leading us for a Ceilidh at the Dilhorne village hall; a great night! And thank you to Mary who leads the music at St Peter's with such skill and sensitivity. The music group at St. Andrew’s has grown and now, under the leading of Jayne and Dave, is powerful at leading worship inspired by the Spirit.

New Service Leaders … Again, we have sought to encourage new leaders of the services and church activities as God calls. And that includes some of our young people reading and leading the prayers. It is vital to encourage the leaders of the future, alongside those that have been sharing their gifts for many decades. And this last year has been a real encouragement to me to see new people exploring their calling to lead and speak at the front of Church.

Church Activities … As well as the regular life of the Church, we have organised a number of events to draw people into the buildings, and to rub shoulders with us as a Church family. Fifth Sundays have been a special opportunity to do something different, with All Saints faithfully organising Ketchup Breakfasts, whilst others have gone off for services on a train, walks around a reservoir with a service and picnic to follow.

We had a full church for the visit of Paul and Fiona Jones. Paul from Manfred Mann, and his wife were so entertaining, but shared an evening full of Gospel challenge. They spoke again at the 11.00am service, and it was great!

We had a second visit from Andy Kind, the Christian comedian, and again ribs ached from a beautiful evening of gentle humour.

So what a year!? God has been honoured! People have wanted to go deeper into the things of God, and we have grown as disciples and grown new disciples with new members of our Church coming week by week.

Ali and I are trying to settle into life in Shrewsbury, but have thus far not found a church that compares to All Saints, St. Peter’s and St. Andrew’s for being a church of love and support.

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

Welcome is a corporate responsibility, by which I mean that it is not down to a couple of ‘welcomers’ at the door to make new people welcome! It is down to the whole church family to spot the newcomers, and to help them find their place in the worship, and in the life, of these churches. You do that so well, please, please keep that up all of you! Worship is also a corporate responsibility, in that it is not down to the worship leaders and musicians to drag you into the presence of God, but down to the whole church family to arrive ‘ripe’ for worship!? So please, please, pray on for those that will lead the service, those that will preach, those that will play any part in the regular worship life of the Church! And especially now, pray for Joe, Beth and the family as they prepare to join the benefice. Joe is a great man of God, and an awesome preacher. Pray on that, for all the differences in style, God will use him to be a blessing and to be blessed by serving a great church family, to see it grow from what it is, to all that God seeks it to be into the years ahead.

God bless you all!

Revd Mike Newbon

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

Trustees’ Annual Report For the Year ended 31[st] December 2025

The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent Charity Reference Number 1142709

1. REFERENCE AND ADMINISTRATION DETAILS

(Registered July 2011).

Parish Office: Tel.: 01782 312570. Email: caverswall382@btinternet.com.

Web-site: www.allsaintsstandrewsstpeters.chessck.co.uk

c) Current PCC Members:

1
2
3
4
5
6
7
8
9
10		 Trustee name Ofce (if any) Dates acted if not for
whole year
Revd Mike Newbon Vicar (Ex ofcio)
Elizabeth Beardmore Co-Vice-Chair, Churchwarden,
Standing CommiEee Member, also
Elected Lay RepresentaJve
ChrisJne Lomax Co-Vice-Chair, Churchwarden,
Standing CommiEee Member, also
Elected Lay RepresentaJve
David Beardmore Local Lay Minister (Permission to
Ofciate) Elected Lay RepresentaJve
Terry Bagguley Local Lay Minister (Permission to
Ofciate), Deanery Synod
RepresentaJve (Ex-ofcio)
JaneEe Wilkinson Deanery Synod RepresentaJve
(Ex-ofcio)
Yvonne Bagguley Elected Lay RepresentaJve,
Treasurer, Standing CommiEee
Member, GiX Aid Secretary
Trevor Barnacle Elected Lay RepresentaJve,
Treasurer Assistant, Standing
CommiEee Member
Helen Cartlidge Elected Lay RepresentaJve
June Bunn Elected Lay RepresentaJve

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

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12
13
14
15
16
17
18
19		 Maureen Virgo Deanery Synod RepresentaJve
(Ex-Ofcio)
Gillian Fullwood Elected Lay RepresentaJve
Safeguarding Coordinator
Katrina Fitzpatrick Elected Lay RepresentaJve
Joy Hall Elected Lay RepresentaJve
Safeguarding Assistant
Alan Hawkins Elected Lay RepresentaJve
Mary Hull Elected Lay RepresentaJve
Mike Lomax Elected Lay RepresentaJve
Josie Podmore Local lay Minister and Ex-Ofcio
Vanessa Collis Elected Lay RepresentaJve
PCC Secretary

d) Name and Address of Bankers & Independent Examiner : Caverswall PCC holds its business current account with Lloyds Bank plc, Fountain Square, Hanley, Stoke-onTrent. A holding business current account is also held with Natwest Bank, Market Street, Longton, Stoke-on-Trent, which is used for the receipt of wedding, funeral and burial fees, which are then allocated monthly to the relevant parties (Lichfield Diocesan Board of Finance, Caverswall PCC or Dilhorne PCC). Two investment accounts are also held with the Church of England Central Board of Finance (CBF). The Independent Examiner for Caverswall PCC is BK Plus Chartered Certified Accountants, Stoke-on-Trent.

2. STRUCTURE, GOVERNANCE AND MANAGEMENT

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

The Parish of Caverswall is insured with Ecclesiastical Insurance Office PLC, which provides full cover for the two Churches.

In terms of the management of risk, a CCTV System is in place and maintained at St. Andrew’s Church, and the building has annual inspections of fire extinguishers. A security alarm system is also in place.

St. Peter’s Church also has annual inspections of fire extinguishers, and has a security alarm system, which includes an independent roof alarm.

Safeguarding is under constant review, and Confidential Declarations and Disclosure and Barring Service (DBS) applications were made for volunteers who required these as part of their role. Safeguarding training (to the appropriate level) is also required where necessary. Decisions on who should complete a Confidential Declaration, have a DBS check or undertake safeguarding training and at what level, are made in accordance with the Churches’ Safeguarding Policy, which is based on guidelines issued by the Diocese of Lichfield. The Benefice Safeguarding Policy was reviewed

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

and updated in September 2019, and adopted across the Benefice. The PCC believe that they have fulfilled their duty under section 5 of the Safeguarding and Clergy Discipline Measure 2016 (duty to have due regard to House of Bishops’ guidance on safeguarding children and vulnerable adults).

3. OBJECTIVES AND ACTIVITIES

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

The Churches are also reliant upon the generosity of the Church community, in financially supporting the Churches and their activities.

4. ACHIEVEMENTS AND PERFORMANCE

a) Regular Worship Services and Average Sunday Attendance:

The service pattern for the year is shown below:

1stSunday 9.30am St Peter’s Holy
Communion		 11.00am St Andrew’s Morning Praise
2ndSunday 9.30am All Saints Holy
Communion		 11.00am St Andrew’s Morning Praise
3rdSunday 9.30am St Peter’s Holy
Communion		 11.00am St Andrew’s Morning Praise
4thSunday 9.30am All Saints Morning
Praise		 11.00am St Andrew’s Holy Communion
5thSunday Individual churches decide upon service/initiative

There were also fortnightly Holy Communion services on Wednesdays at 10.00am alternating between St Peter’s and All Saints.

ST PETER’S CHURCH Adult Child Under 16
Average Sunday Attendance 2025 32 2
Adult Child Under 16
Worshipping Community 2025 31 2

Services at both St Peter's and St Andrew's included Holy Communion and Service of the Word, with All-Age services at the latter.

ST ANDREW’S CHURCH Adult Child Under 16
Average Sunday Attendance 2025 55 10
Adult Child Under 16
Worshipping Community 2025 52 13

On Good Friday there was an Hour at the Cross at St Peter’s, and on Easter Sunday, a 11.00am Easter Communion service at St Andrew’s.

St Andrew’s hosted a Remembrance Service which was incorporated into the 11.00am service.

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

Attendance at key seasonal services included:

EASTER St Peter’s St Andrew’s
Easter Eve/Day Attendance 46 77
Easter Eve/Day Communicants 43 69
CHRISTMAS St Peter’s St Andrew’s
Christmas Eve/Day Attendance 98 36
Christmas Eve/Day Communicants 93 0
Carol Service Attendance 162A 24C 54A 16C
School Carol Service 74A 158C 34A 352C

The St Peter’s Carol Service was, as ever, very well received and children from St Peter’s School, together with a large community choir, made it a joyous occasion. Mulled wine and mince pies were as welcome as ever!

On Christmas eve St Peter's held a midnight Holy Communion which was very well attended.

On Christmas day there was an 10.00am Christmas Praise service at St Andrew’s. Both churches hosted School Carol Services which were very well received. St Andrew's hosted a lovely Christingle service.

Baptism: We welcome baptism requests from parent’s resident within the Ecclesiastical Parish, or who have a connection with St Peter’s or St Andrew’s Church, and adults who wish themselves to be baptised. All candidates (or their parents in the case of a child) are required to attend Baptism Preparation, which is usually one session. Dates for Thanksgiving (in the case of a child) and Baptism are offered during Preparation, and confirmed after completion. Child candidates are required to have at least two Godparents, who must themselves have been baptised. Adult candidates may wish to have a Sponsor. In the case of baptism for a child or young person under the age of 18, consent is required from all those with parental responsibility.

Marriages: In order to qualify for marriage by Banns in the Parish, and in accordance with the legal requirements for marriage in the Church of England, both bride and groom must be British or EEA citizens. In addition, at least one must have an existing connection with Caverswall (or Dilhorne Parish, combined due to its operating as a United Benefice with a Bishop’s Instrument in place for the three Churches) under the Marriage Measures Act 2008. If the couple are not resident in the Parish, a certificate of banns reading will also be required from their local Parish Church. Further advice is sought from Church of England guidelines and the Diocese with regard to other legalities, for instance, where a common or special licence may be required. If either of the couple have been previously married, they must complete and return the Church of England’s ‘Marriage in Church after Divorce’ document, for the Vicar’s consideration.

Funerals: Funerals at the Churches, Crematorium or graveside are usually referred to the Parish by the Funeral Directors assisting the family, at which point the details regarding the deceased are confirmed with the Benefice Office.

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

At the heart of all of this was the need to support mourners at the most challenging of times, and the loving care of Reverend Mike Newbon and our Lay Ministers Terry Bagguley and David Beardmore.

Burials: The Parish has an open Churchyard in Caverswall, which also contains a Garden of Remembrance section. If a person lived outside the Parish at the date of death and is not on the Electoral Role, they can be buried into an existing family grave if there is space, but not into a new space in either the Churchyard or Garden of Remembrance. The only exception is if the person was resident in a care or nursing home outside of the Parish at the date of death, but immediately prior to moving there, they were resident in the Parish.

The Summary Statistics for Occasional Offices during 2025 were as follows:

2025 Statistics Summary St. Peter’s St. Andrew’s
Baptisms 11 2
Thanksgivings 0 0
Confirmations 0 0
Marriages 8 0
Funerals in Church 18 1
Full Funeral at Crematorium or Cemetery 2 0
Civic Service 0 0

c) Mission through community activities, groups and events:

‘Caverswall Bell Ringers’ at St Peter’s: a weekly practice and fellowship group for bell ringers of all ages and abilities, from Caverswall and elsewhere; St. Peter’s also usually hosts a number of Bell Ringing events and visitors during the year. Our very experienced member Bernie, is training our new ringers for which we are very grateful.

‘Foodbank Distribution Centre’ at St. Andrew’s: the twelth year of working with Stoke on Trent Foodbank, as a Distribution Centre operating on Friday afternoons throughout the year. The Distribution Centre normally feeds approximately 1300 people each year which equates to feeding 25 people each week. We currently have 18 active volunteers who work on a rota basis. While most of the volunteers are drawn from across the three churches in the United Benefice, some are non-church goers from the surrounding area.

‘Open Doors’ at St Peter’s: Summer 2025 marked the twelth season of Open Doors at St. Peter’s. We had lots of wonderful comments from visitors. The cakes and refreshments were plentiful and delicious. We offered “proper” coffee from the coffee machine. It is impossible to count the number of visitors at these events, but they proved extremely popular. Visitors gave generously. The Christmas fayre was stunning and raised over £2000.

‘Bereavement Friendship Group’: Meets at St Andrew’s on the first Monday of the month 10.30-12.00pm. A friendly and caring support group for those who have been bereaved.

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

‘Railway Club’ at St Andrew's: meeting Monday night’s 7.30 - 9.30pm, a social group for train enthusiasts with two club layouts in 'n' and '00' gauge. Contact Phil Hull or the Church Wardens for further information. The annual open event was very successful, they also always help with any fair which takes place within St Andrew’s Church when raising funds. Youngsters usually come earlier in the evening.

An Alpha Course started in the Autumn and attracted 25 plus people on some occasions.

St Andrew’s Church has good links with the four local primary schools in Weston Coyney (Parkhall Academy, Crescent Academy, Weston Coyney (Infant and Junior) Academy), who all visit St Andrew’s for occasional end-of-term services, Special events and educational visits. Kemball School also visit.

Volunteers from all three Churches three churches, and others, visit local schools for Open the Book. The children enjoy drama, music and are activiely involved in the worship.

g) Other External Contacts

The Parish Office maintains links with local funeral directors, and with memorial masons. The Caverswall Bell Ringers have strong links with the local and National Association of Change Ringers. Gemma is also Rector's Administrator for Forsbrook and Draycott Churches, working from Monday-Thursday from 1.00pm to 3.00pm in the office.

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

5. FINANCIAL REVIEW

The Treasury team (Yvonne Bagguley, Treasurer and Trevor Barnacle, Treasurer Assistant) ensure that the charity keeps proper accounts and they review its financial performance. They draw up and review budget and monthly management accounts to ensure robust and effective financial controls. They regularly report the state of financial matters to the Finance Committee and at PCC meetings, and liaise with the Independent Examiner in producing the End-of-Year Accounts.

a)

Account Summary and Reference The detailed results for the year are disclosed in the Statement of Financial Activities.

The total unrestricted Incoming resources for the year were £99,095 (2024: £95,746). Of this, income from planned giving was £40,733 (2024: £43,792).

Collections made at all services (open plate) totalled £8,679(2024: £6,924)

Various donations totalled £751 (2024: £1,909) There was no gift day appeal during 2025 or 2024. The gift aid tax recoverable on all applicable receipts totalled £10,302 (2024: £9,907). Fees retained by the parish from weddings and funerals amounted to £17,737 (2024: £16,350). Special events income £1,102 consists of Christmas greetings £110 and £992 receipts from the Andy Kidd concerts. The gross amount of income from centre lettings was £13,147 (2024: £10,293)

The total resources expended from Unrestricted Funds was £95,433 (2024: £94,548), of which the Diocesan Common Fund contribution amounted to £30,560 (2024: £29,962). The church property costs include the allocated expense of the centre which totalled £9,996 (2024: £9,043) The total of the Churchyard expenses was £9,606 (2024: £9,293)

The Parish’s giving for the year to Christian Charitable Works amounted to £3,056 (2024: £2,996). In addition to this amount, £458 (2024: £995) was paid from special collections and appeals.

The net incoming funds for the year on Unrestricted Funds totalled £3,662 (2024: £1,198) increasing the balance carried forward at 31 December 2025 to £77,471 (2024: £73,809).

Restricted incoming resources totalled £11,103(2024: £8,877) and are analysed in the notes to the accounts, Note 2. Special Events income £3,940 (2024: £2,529) includes Christmas Fayre £2,195 Easter Fayre £328, Open Doors £1,173 and sale of Cards £244. Sundry Donations £385 include £75 from the Trussell Trust for the benefit of the Food Bank volunteers. The volunteers donated this amount to the purchase of goods for the benefit of the guests of the Food Bank sessions.

Restricted outgoing resources totalled £7,945 (2024: £13,292) and are analysed in the notes to the accounts, Note 3. The repairs and maintenance total £5,830 Includes - St Andrew’s Flat roof repairs £4,650. Spiral staircase £900 (to replace the old loft ladder)

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TAR 2025: The Parochial Church Council of the Ecclesiastical Parish of Caverswall, Stoke-on-Trent

All restricted incoming and outgoing resources allocated to the various restricted funds are disclosed in the notes to the accounts, Note 8.

b) Policy on Reserves: The PCC wish to maintain a balance of unrestricted funds which equates to at least one month’s unrestricted payments, or at least £10,000, to cover emergency situations that may arise from time to time.

It is the policy of the PCC to invest surplus funds as they see fit.

c) Members’ Responsibility for the Financial Statements: Charity law requires members to prepare financial statements for each financial period, which give a true and fair view of the state of affairs of the PCC and of the surplus or deficit for that period. In preparing those financial statements, the members are required to:

The members 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 Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed. They 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.

6. TRUSTEES DECLARATION The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees:

Mrs Christine Lomax Mrs Elizabeth Beardmore Churchwardens Dated: 26[th] April 2026

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Independent Examiner's Report to the trustees of The PCC of the Ecclesiastical Parish of Caverswall

I report to the trustees on my examination of the accounts of The PCC of the Ecclesiastical Parish of Caverswall (the Trust) for the year ended 31 December 2025, which are set out on pages 18 to 26.

Responsibilities and basis of report

As the charity trustees of the Trust 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 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 statement

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 the Trust 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 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.

K R Salt (FCCA) Dated : 28th April 2026 BK Plus Limited Chartered Certified Accountants Adventure Place Hanley Stoke on Trent ST1 3AF

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The PCC of the Ecclesiastical Parish of Caverswall Statement of Financial Activities for the year ended 31 December 2025

Notes
Funds
£
Incoming resources
Donations & Legacies
2a
60,465
Charitable Activities
2b
17,737
Other Trading Activities
2c
14,485
Income from Investments
2d
2,070
Other Income Resources
2e
4,338
Total incoming resources
99,095
Resources expended
Fundraising Costs
900
Mission Giving & Donations
3,056
Church Activities
3a
33,330
Church Expenses
3b
39,966
Management & Administration
3c
18,181
3d
-
Total resources expended
95,433
Net (outgoing) / incoming resources
before transfers
3,662
Transfers
Gross transfers between funds
8
-
Net movement in funds
3,662
Reconciliation of funds
Total funds brought forward
73,809
Total funds carried forward
77,471
Unrestricted
Church Building Facility Improvements		 Restricted
Funds
£
5,623
-
3,940
1,477
63
11,103
267
458
-
6,919
301
-
7,945
3,158
-
3,158
53,613
56,771		 2025
Total
£
66,088
17,737
18,425
3,547
4,401
110,198
1,167
3,514
33,330
46,885
18,482
-
103,378
6,820
-
6,820
127,422
134,242		 2024
Total
£
67,135
16,350
13,022
3,997
4,119
104,623
200
3,991
33,788
51,783
16,542
1,536
107,840
(3,217)
-
(3,217)
130,639
127,422

The statement of financial activities includes all gains and losses recognised in the year.

The notes on pages 20 to 26 form part of these accounts.

18

The PCC of the Ecclesiastical Parish of Caverswall Balance Sheet as at 31 December 2025

Notes
Tangible assets
5
Total fixed assets
Stock of goods for resale
Debtors and prepayments
6
Balance at bank
Balances at Central Board of Finance
Cash in hand
Total current assets
Liabilities
Creditors: amounts falling due within one
year
7
Net current assets
Total assets less current liabilities
Creditors: amounts falling due after more
than one year
Net assets
The funds of the charity:
Restricted income funds
8
Unrestricted income funds
General funds
9
Total charity funds
Current assets
Fixed assets for use by the charity		 -
5,902
50,403
84,321
105
140,731
8,059		 2025
£
1,570
1,570
132,672
134,242
-
134,242
56,771
77,471
134,242		 -
5,322
46,581
80,671
275
132,849
7,253		 2024
£
1,826
1,826
125,596
127,422
-
127,422
53,613
73,809
127,422

The financial statements were approved by the Church Wardens on the date shown below and signed on their behalf by:

Mrs C Lomax

Mrs E Beardmore

Date: 26th April 2026

19

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

1 Accounting policies

Basis of preparation of accounts

The accounts (financial statements) have been prepared under the historical cost convention with items recognised at cost or transaction value unless otherwise stated in the relevant note(s) to these accounts. The financial statements have been prepared in accordance with the Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.

The trust constitutes a public benefit entity as defined by FRS 102

Fund accounting

Restricted funds comprise two elements:-

a) Income from trusts or endowments which may be expended only on those restricted objects provided in the terms of the trust or bequest

b) Donations or grants received for a specific object or invited by the PCC for a specific object. The funds may only be expended on the specific object for which they were given. Any balance remaining unspent at the end of each year must be carried forward as a balance on that fund. The PCC does not usually invest separately for each fund. Where there is no separate investment, interest is apportioned to individual funds on an average balance basis.

Unrestricted funds are income funds which are to be spent on the PCC's general purpose.

Incoming resources

Planned giving, collections and donations are recognised when received. Tax refunds are recognised when the incoming resource to which they relate is received. Grants and Legacies are accounted for when the PCC is legally entitled to the amounts due. Dividends are accounted for when receivable, interest is accrued. All other income is recognised when it is receivable. All incoming resources are accounted for gross.

Resources expended

Grants and donations are accounted for when paid over, or when awarded, if that award creates a binding obligation on the PCC. The diocesan parish share is accounted for when due. Amounts received specifically for mission are dealt with as restricted funds. All other expenditure is generally recognized when it is incurred and is accounted for gross.

20

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

Tangible fixed assets

Consecrated and benefice property of any kind is excluded from the accounts by S.10(2)(a)&(c) of the Charities Act 2011.

Moveable church furnishings held by the Vicar and Churchwardens on special trust for the PCC and which require a faculty for disposal, are inalienable property, listed in the Church's inventory, which can be inspected (at any reasonable time). For anything acquired prior to 2000 there is insufficient cost information available and therefore such assets are not valued in the financial statements.

Items acquired since 1 January 2000 have been capitalised and depreciated in the accounts over their currently anticipated useful life on a straight-line basis at the following rates.

Church Equipment 20% straight line basis Office Equipment 20% straight line basis Furniture & Fittings 15% straight line basis Garden Equipment 15% straight line basis

21

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

2 Incoming resources

2a
Donations and Legacies
Planned giving:
Gift aid donations
Other planned giving
Collections (open plate) at all services
Sundry donations
Gift aid recoverable
Grants
Legacies
Other voluntary receipts including special appeals
2bCharitable Activities
Fees received
Less: paid out
Church course receipts
2c
Other Trading Activities
Special events
Printing and photocopying
Centre lettings
2d
Income from Investments
CBF interest
2e
Other incoming resources
Contribution to parish expenses:
All Saints Dilhorne
Miscellaneous		 £
29,478
11,255
8,679
751
10,302
-
-
-
60,465
Unrestricted
£
20,593
(2,856)
17,737
-
17,737
Unrestricted
£
1,102
236
13,147
14,485
Unrestricted
£
2,070
Unrestricted
£
4,183
155
4,338
Unrestricted		 £
2,910
-
1,093
385
765
-
-
470
5,623
Restricted
£
-
-
-
-
-
Restricted
£
3,940
-
-
3,940
Restricted
£
1,477
Restricted
£
-
63
63
Restricted		 2025
£
32,388
11,255
9,772
1,136
11,067
-
-
470
66,088
2025
£
20,593
(2,856)
17,737
-
17,737
2025
£
5,042
236
13,147
18,425
2025
£
3,547
2025
£
4,183
218
4,401		 2024
£
32,666
13,901
7,150
2,762
10,473
-
-
183
67,135
2024
£
18,471
(2,121)
16,350
-
16,350
2024
£
2,659
70
10,293
13,022
2024
£
3,997
2024
£
4,045
74
4,119

22

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

3 Resources Expended

3a
Church Activities
Diocesan common fund
Clergy expenses
Training
3b
Church Expenses
Youth & children's activities
Church celebration expenses
Church courses
Outreach & community expenses
Upkeep of services
Advertising
Church property costs:
Insurances
Repairs and maintenance
Gas and electricity
Cleaning materials
Cleaner's wages
Sundries
Depreciation
Churchyard expenses
3c
Management and Administration
Secretarial salary and pension
Telephone and internet costs
Bank charges
Equipment leasing
Printing, stationery and postages
Payroll fees
Accountancy fees
Gifts
Sundries
Subscriptions
3d
Disabled toilet
Food bank store room
Church building facility improvements		 Unrestricted
£
30,560
2,770
-
33,330
Unrestricted
£
-
594
-
-
269
119
4,501
5,884
7,711
2,038
7,956
710
578
9,606
39,966
Unrestricted
£
10,860
1,309
596
1,123
1,748
254
1,135
236
259
661
18,181
Unrestricted
£
-
-
-		 Restricted
£
-
-
-
-
Restricted
£
620
-
204
265
-
-
-
5,830
-
-
-
-
-
-
6,919
Restricted
£
-
-
-
-
-
-
-
301
-
-
301
Restricted
£
-
-
-		 2025
£
30,560
2,770
-
33,330
2025
£
620
594
204
265
269
119
4,501
11,714
7,711
2,038
7,956
710
578
9,606
46,885
2025
£
10,860
1,309
596
1,123
1,748
254
1,135
537
259
661
18,482
2025
£
-
-
-		 2024
£
29,962
3,370
456
33,788
2024
£
172
1,774
196
233
282
567
4,377
18,515
5,744
2,268
7,332
517
513
9,293
51,783
2024
£
10,090
1,061
482
1,051
1,962
232
1,098
75
28
463
16,542
2024
£
991
545
1,536

23

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

4 Staff Costs

Staff Costs
2025 2024
Salaries: £ £
Cleaner 7,956 7,332
Secretarial 10,681 9,978
Employers Pension Contributions 179 112

5 Tangible fixed assets

Church
Equipment
Cost
As at 1 January 2025
41,841
Additions
149
Disposals
(115)
At 31 December 2025
41,875
Accumulated depreciation
As at 1 January 2025
40,570
Disposals
(115)
Charge for the year
414
At 31 December 2025
40,869
Net book value
At 31 December 2025
1,006
As at 1 January 2025
1,271
6
Debtors: amounts falling due within one year
Gift Aid - General Fund
Gift Aid - Restricted Funds
Lettings
LDBF Vicarage Decorating Account
Tax & National Insurance recoverable
CBF Interest Due
Other debtors
Prepayments
7
Creditors: amounts falling due within one year
Parish expenses and accruals
Fees received in advance
Lettings received in advance		 Office
Equipment
£
13,059
173
-
13,232
12,628
-
142
12,770
462
431		 Furniture
& Fittings
£
3,705
-
-
3,705
3,581
-
22
3,603
102
124		 Garden
Equipment
£
465
-
-
465
465
-
-
465
-
-
2025
£
1,914
589
500
1,870
-
854
102
73
5,902
2025
£
7,546
433
80
8,059		 Total
£
59,070
322
(115)
59,277
57,244
(115)
578
57,707
1,570
1,826
2024
£
1,797
474
468
1,558
-
958
-
67
5,322
2024
£
6,073
1,100
80
7,253

24

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

8 Restricted funds

The movements on the restricted funds of the charity were as follows:

Specific Donations
Lay Worker Fund
Building Fund - St.Andrew's
Caverswall Parish Outreach &
Community Fund
Restoration Fund - St.Peter's
Clock Winder & Kitchen
Alterations Fund
Vicarage Fund
Food Bank Fund		 2024
Balance
£
-
2,785
2,112
4,070
30,377
13,226
634
409
53,613		 Incoming
resources
£
470
219
5,144
104
820
4,161
81
104
11,103		 £
470
620
5,578
469
252
267
-
289
7,945
Resources
expended		 Transfers
£
-
-
-
-
-
-
-
-		 2025
Balance
£
-
2,384
1,678
3,705
30,945
17,120
715
224
56,771

Transfers

No transfers between funds were made during the year.

9 Unrestricted funds

General fund
Total unrestricted funds		 2024
Balance
£
73,809
73,809		 Incoming
resources
£
99,095
99,095		 £
95,433
95,433
Resources
expended		 Transfers
£
-
-		 2025
Balance
£
77,471
77,471

All funds are considered adequate to meet their intended purposes.

10 Analysis of net assets between funds
£
Fund balances as at 31 December 2025 are represented by:
Tangible fixed assets
1,570
Stocks on hand
-
Debtors and prepayments
5,902
Bank Balances & CBF Deposits
77,953
Cash in Hand
105
Creditors:
Amounts falling due within one year
(8,059)
Amounts falling due in more than one year
-
Total net assets
77,471
Unrestricted
funds		 Restricted
funds
£
-
-
-
56,771
-
-
-
56,771		 Total
funds
£
1,570
-
5,902
134,724
105
(8,059)
-
134,242

25

The PCC of the Ecclesiastical Parish of Caverswall Notes to the Financial Statements for the year ended 31 December 2025

11 Commitments

There were no commitments for capital expenditure at the year end.

At the year end the charity was committed to making the following payment under non-cancellable operating leases in the year to 31 December 2025. The future minimum lease payments are as follows:

Not later than one year
Later than one year and not later than five years
Later than five years		 2025
£
1,195
4,482
-
5,677
Plant &		 2024
£
1,051
1,577
-
2,628
Other

26