COWES BAPTIST CHURCH
Regl8lered Addres8
Victorla Road
Cowes
Isle of Wight.
P0317JJ
Reglstered Charlty No 1143075
Truste88
Mrs Judith Compton
Mrs Elalne Cherry
Mrs Carol Jennlngs
Mr John Karo Karo
Mrs Jacqui Spaldlng
Mr Graham Cherry
Minister
Treasurer
Secretary
Deacon
Deacon
Deacon
Property Tru8te08
The Baptist Unlon Corporatlon Llmlted
Baptist House
129 Broadway
Didcot
Oxfordshlre OX118RT
Banker8
Barclays Bank
St. James Square, Newport, l.W. P030 1 UP
CCL4 Investment Management Ltd.
Independent Examlnar
AHCross&Co

Annual Report for 2025
The trustees present tsir Annual Report and financial statements for the year ended
De￿rnber 312025.
Charltable Obioct
The Charity Is govemed by an Approved Governing Document which states that the principal
purpose of the Church is Ihe advancemem of the Chrlstian lailh according to the princlples of
the Baptist denomination. The Church may also athiance education and carry out other
charitable purposes in th8 United Kingdom andlor other parts of the world. The Church
occupies premlses which are held by the Baptlst Union Corporation Ltd as holding trustees, on
Trusts which are entirely compatible with Ihe above object.
Organlsatlonal Structure and Decl8lon maklng proces8es
Baptlsm by immersion upon personal profession of faith is the normal mode of entry Into the
membership ol Ihe church. Persons seeklng rr£mbership who hav8 not b8en baptised in the
manner descrlbed may ai ihe dSscretlon of the Church Members, Meeting be accepted for full
membership based on thelr own publlc professlon of faith.
The Members, Meeting nomially lakes place at least quarterly and has responsibilty for Ihe
overall pollcy of the church. In accordance with the Conslltutlon, the members appolnt
deacons, who together whh the Mlnister, Church Secretary (if there is one) and Treasurer (who
are also appointed by the Members), are the Charty Trustees, and are responsible for the day
to day running of the church's worf( and wltness, and the financlal and legal aspects of the
charity.
Charity Trustees serve so long as they have the support of the Church Members, Meetlng and
(except for those in ministerial offices) are actively appolnted and reappointed al least once
every thre8 years.
Tralnlng for Tnjstees is provided by both the Southem Counties Baptist Associaiion and the
Baptist Unlon of Great Brftaln, who regularly arrange training days on financlal management,
safeguardlng, legal matters and other aspects of interest io the Trustees. Detalled Guidance
notes are also availab18 from the Baptlst Unlon webstte.
All members are encouraged lo take an approprfate part In the spiritual and practical tasks
involved in the furtherance of the charitable objecttve. Relevant matters may be submltted to
the Church meeting by the Trustees for gUidar￿e, or may be raised by members In Church
meeting for further consideration by the Trustees. Though the Consiitution pemits decisions to
be made at Church meetings by appropriate majoritles, the Church seeks to work by
consensus vtherever possible.
Afflllatlon8
The church is kn membership with
The Baptist Union of Great Brttain
. The SoLrthem Counlies Baptist As%)ciation
The Evangelical Alliance
. Churches Together In Cowes

COIAES BAvllsTCHURCH
Annual Report for 2025 contlnued
Objectives and Actlvities
In order to achieve the principal objective which is set out above. the Church provides a variety
of activities both lo its membership and to the community generally. The church's focus is set out
as follows..
"Cowes Baptist Church exists to honour Jesus, bringing people together, sharing facilities and
resources, growing, worshipping, praying, serning, seeking to be the best we can, seeking the best
for those we Se￿e,
The Church usually holds public services of Christian worship on Sunday mornings supported by a
varied music group. When necessary there are aclivities for babies, toddlers and children and a
thriving parent and toddler group which meets on Tuesday mornings. There are also various small
groups which meet on a regular basis.
Delails of all church activilies are available through the church website at
www.cowesba
lislchurch.or
.uk
The church works alongside other churches in Cowes and is also active in supporting joint
initiatives such as IOW Street Pastors and School Pastors and Ihe Isle of Wight Foodbank which
serve vulnerable people in Ihe wider community.
The Church has a Safeguarding policy which is fully compliant with the Baptist Union policies and
best practice guidelines to ensure that all people working with children and vulnerable adults are
inteNiewed and appropriately vetted through Ihe Disclosure and Baring SeNice.
The church has read the Charity Commission guidance on public benefit, and is satisfied that the
activities outlined above clearly demonstrate that the charity is providing a benefit to the public.
Achlevements and Performance
During the last year, our core activities have been maintained, with regular Sunday morning
services, zoom prayer meetings and the establishment of several small groups. The Renew Café
continues to operate and is concerned with people's wellbeing. In addilion a group supporting
Ihose in need in our community are now using the premises on a regular basis, along with fitness.
music and dance classes for children and adults.
During the year membership stayed al 36..However there are also numerous other members of the
congregation who are active in the work of the church but have not yel become church members.

Annual Report for 2025 contlnued
Reserv•s Pollcy
General Fund: Regular income supports the day to day activities of the church, however it has
been detemiined by Ihe trustees that a policy of maintaining a general cash reseNe fund of
£10,000 should be adopted. Thls resenie wlll be available to cover short tenn reductions in income
or unexpected expendlture.
Bulldlng Fund: Funds are held for any major works on the church buildings and the manse. No
resejve figure has been set as any work needed will be carried out as necessary.
Church I Communlty Worker: No reserves are requlred for thls accouni. Currently this account is
noi being used.
Flnanclal R•vl•w
General Fund.
Income for 2025 (excluding funds received for outslde causes) was £66,180 a decrease of on
2024. Thls was not unexpected as we lost two of our generous donors, and income from hire of
premises was also down.
Expenditure increased by 9% on the previous year. Thls was mainly due to replacing the screen in
the sanctuary with a large TV screen, increased costs for our website and other tech costs
(previously generously paid for us by one of our members), and general increase in prices.
Taking the above into consideration, we ended Ihe year with a surplus on the general fund of
£5169.38. The balance brought forward from the previous year was £69,827.18 so the balance
carried fonvard at the end of 2025 was £74,996.56.
Bulldlng Fund. During 2025 our original manse continued to be rented out. The renl received
covered the rent payable to the Mlnlster and made a contribLrtion towards the building fund.
There was a balance of £345 as of 31 December 2024. During 2025 s(xne repalrs were needed on
Ihe manse, and ai church the outside door into the old ve*ry was bk)cked up prior to redecorating
the office. This woth is still ongoing.
Donations from members and friends of the church plus other income have covered the costs of
worf( carried out, and the balance as at 31 December 2025 stands at £6042.68
Funds for Ihe Churchlcommunlty Workar were restricted funds for the employment of a
Churchlcommunity Worker. The post is now vacant, and there was no income or experKliture
during 2025 The balance at the end of 2025 was £15,942.40
There were no unforeseen expenses in 2025.
SEgned on behalf of the Trustees
On (date)...

NDEPENDENT EXAMINER'S REPORT T
THE TRUSTEE
COWES BAP
1ST CHURCH
report on the accounts of Cow8s Baptlst Church for the year erKled
31 December 2025, which are set out on the following 6 pages.
Ive Res
rustees and Examin
As the Charitys Trustees you are responsible for the preparation of the accounts; you
consider that the audit requirement of sectlon 144 of the Charities Act 2011 f'the Acv? does
not apply. I report In respect of my examination of the Church accounts carried out under
Section 145 of the 2011 Act and in carying out my examination, I have followed all the
applicable Dlrectlon8 given by the Charity Commlssion under section 145(5)(b) of the ACL
Basls
SR8
My examination was carried out in accordance wlth the General Directions given by the
Charity Cornmi88ioners. An examination includes a review of the accounting records kept by
the Tru8tee8 and a comparison of the account8 presented with those records. It al80
includes consideratlon of any unusual items or di3dosure8 in the accounts, and seeklng
explanations from you as Trustees concerning any such matters. The procedure8
undertaken do not provlde all the evldence that would be required In an audlt, and
consequently I do not expre88 an audlt opinion on the vlew given by the account8.
I have completed my examination. I confirm that no material matters have come to my
attentlon In connection with the examinatlon which gives me cause to belleve that in, any
mater181 re8P8Ct:
1) the aGcountlng records were not kept In accordance with section 130 of th• Charltles
Act: or
2) the account8 did not accord with the accounting record8: or
3) the account8 dld not comply with the applicable requlrements concerning th• fomi and
content of accounts set out in the Charities (Accounts and Reports) Regulations 2008
other than any requirement that the accounts give a Irue and falr, vlew which16 not a
matter consldered as part of an indeperKlent examlnatlon.
I have no concerns and have come acr088 no other matters in connection with the
examination to whlch attention should be drawn In this report in order to enable a proper
understandi
of the accounts to be reached.
I S Henderson
Chartered Accountant
A H Cross & Co Limited
10 Pyle Street
Newport
Isle of Wght
P030 1JW
M4rt4 2oU

COWES BAIryIST CItURCH
FINANCIAL STATENiENT FOR THE YEAR ENDED 31 DECEMBER 2025
GeTwal Building Tothjkn Church
Fu
FuThJ
Community
Worker
Total
Tot
2024
Receipts
Donations
Investhient Income
Other Sources of Income
64.976.29 6.465.(KJ
3.249.16
4.15250 I9.6￿.(1} I.{￿1.10
71.441.29
3.249.16
24.933.fA)
70J44
3.322
26,414
72J77.95 26.155.(K) i.(yJi.10
o.(X) 99.624.05
I ￿,080
Payments
Church Aclivities
Given to
causes
49337.49
1.106.98
50.944.47
47,282
12.826.28
4JM.80
12.826.28
4,544.80
20.456.64
6.113
3.836
41,822
Management & Administration
Rentlmaintenance
20.456.64
67208J7 20.456.64 1.106.98
0.Tr) 88.772.19
99.053
Surplus for the
5,169.38 5698J6
-15.88
O.IXI 10.851.86
1.027
Balance blf 111125
Balance clf 31112t25
69.827.18
344.32 1.499.17 15942.40 87.613.07
74.996.56 6.042.68 1.48329 15.942.40 98.464.93
86J87
87,614

COWES BApfIsT CHURCH
FINANCIAL STATEMENf FOR THE YEAR ENDED 31 DECEMBER 2025
GENERAL FUND RECEIPTS AND PAYMENTS ACCOUNT
Nole
2025
2024
Recelpts
Offerings
Donations and other income
Income tax recovered on gifts
Bank Interest
Contributions for use of premises
Sub Total
40,920.69
8,731.68
9,125.65
3,249.16
4 152.50
66,179.68
44,104
8,969
8,916
3,322
5.688
70,999
Raised for other causes
6,198.27
72,377.95
524
71,523
Payments
Ministry
Upkeep of church premises
Given to other c&uses
Administration
Outreach
38,536.48
11,253.58
12.826.28
4,544.80
47.43
67.208.57
37,235
8,522
6,113
3,836
343
56,049
sllrplu￿ Deficll for the year
Transfer to Bulldlng Fund
Balance brought forward V1125
5.169.38
15A74
-9AIJ)
69
27.18
Bglance e*rrled forward 31n2Q5

COWLS BAprisr CHURCH: NOTKS TO THE ACCOUNTS
l. Basis of accounts: These accounts have been prepared on a knipts and payments. basis and
accord with S.42(3) charities act 1993 ( Amended by section 28 of the Charities Act 21X)6)
2025
2024
2.Donations and other income
Donations
501.43
75Crf).CN)
2£K).(X)
176
7.411
343
HIWCF 2024r2025
Funeral Donations
SCBA Heating Grant
Church Meal
Christmas Tree (2 years)
Other
530.25
377
650
12
8,969
8,731.68
3. Ralsed for other causes
Baptist Missionary Society
Op Agri (BMS Harvest )
7.92
670.35
377
Toilet Twinning
Salvation Arniy Toy Appeal
Christian Aid
Christmas Hampers
Youth Club ( in memory of A Leigh)
20
250.00
5.270.
116
6.198.27
524
4. Mlnlstry
MiDiSters Stipend
Pension
Travel
Visitin8 Speakers
Manse Upkeep - Council Tax
Insurance
Water
29.493.71
3,739.C()
265.88
300.(
3,018.82
534.22
1,184.85
38,536.48
28,6(X)
3,631
31XJ
2.842
593
809
37.235

COWES BAYfIsT CHURCH: NOTES TO THE
ACCOUKfS
2025
2024
S. Upkeep of Church Premtses
Lighting & Heating
Cleaning
Insurance
Water
Repair & Maintenance
Equipment
2,787.92
374.69
2284.24
883.91
J.642.28
3,280.54
11,253.58
3.584
830
2,223
539
1,346
8,522
6. Glven To Other Causes
Home Mission
Baptisi Missionary Society
Op Agri ( BMS 2023) Harvesi
Christian Aid
Latin Link ( R Gardner)
Andrew & Dira Soreano (2 years)
Youth For Christ
Spurgeons Studcnts Appeal
OMF
Salvation Arnly Toy Appeal
1.950.00
1,950.00
660.35
5,270.00
640.00
1,245.93
180.00
200.00
480.00
250.00
1.776
1,926
377
640
614
180
12.826.28
6,113
7. Admlnlstratlon
Printing & Stationery, Books etc.
Telephone
Subscriptions & Conference Fees
PayToII Fees
Independent Examiner
Zoom Feeslwebsitelsoftware
ccu
Mobile Phone
Catering
Church Meal
Other
780.38
144.
834.60
217.15
150.00
983.07
395.86
106.20
205.68
530.25
197.61
4,544.80
732
156
210
150
278
385
243
199
377
120
3,836
8. Outreach
Christmas BwkletslGifts
Hatnpers
Christmas Tree IL4ghts
47.43
82
116
145
47.43
343

BUILDING FUND RECEIFtS AND PAYMENTS ACCOiiNT
2025
2024
Reteipts
Donationsifax Refunds
Manse Rent ( Baring Rd)
Other
6.465.00
19.650.00
40.00
26,155.00
7.830
19.2
78
27.108
Payments
Survey
Rent ( Crossfield Ave)
Rental ExpenseslRepairs
Church Windows
Damp proofing
Church Kitchen
FIoor IPlumbinglBoiler
Kitchen unitslappliances
Electrics
Block up Vestry DooTway
Other
2,184.00
12.(KK).00
4.227.20
12,OC(I
2,526
6.565
4,680
1.430
5,332
8,520
421
970.44
1075.00
347
20,456.64
5,698.36
344.32
41.821
-14.713
5558
9,5(K)
345
Balance brought forward 111125
Transfer from General Fund
Balance carried forward 31112125
6,042.68
CHURCHI COMMUNITY WORKER RECEIvfs AND PAym￿s ACCOI]NT
Balance b'fwd Iiir2025
15,942.40
15.942
Balance clfwd 31112Q025
15
15,942
TODDLERS RECEIEryS AND PAYMENfS ACCOUNr
2025
2024
Receipts
Fees
1,091.10
1.091.10
1.449
Payments
Running Expenses
1,106.98
-15.88
1.499.17
1,483.29
266
1,233
1.499
Balance brought forward Iiir25
Balance caffied forward 31112125

COWES BAFryLST CHURCH
ATEMENf OF ASSETS AND LIABILITW AS AT 31 DECEMBER 2025
ASSETS
2025
2024
Barclays Current account
Barclays Deposit Account
COIF Deposit Account
Petty cash
Toddlers petty cash
7.607.42
14.874.48
75,854.75
7.93
120.35
98,464.93
6.465
18.172
62,808
28
140
87,613
Representing balances on the following
aeeounts
General Fund
Building Fund
Church I Community Worker
Toddlers
74.996.56
6,042.68
15,942.40
1.483.29
98,464.93
69.827
345
15,942
1.499
87,613
Non.Monetary A&sets
The church 15 the beneficial owner ( subject to the Televant trusts) of the following asse￿ the
legal title to which is held by the church's custodian tTUSt¢e [th¢ Baptist Union COO￿Tation ￿].
Church Premises [Insured value]
Church Manse [Jnsured value]
The church also owns fixtures, furniture and
equipment with an insured value of
2.274.372
496,343
136.918
2,907.633
Th¢ accounts and statement of assets and liabilities set out on pages I to 6 relating to the year
ending 31 December 2025 are approved by the tNstees.
Judith Compton [Minist¢rl
Elaine Cherry ITreasurer]