17C
RUMNEY CHAPEL
LIVING LOVING BELONGING
Trustees Annual Report
2024 to 2025
Rumney Gospel Chapel
Brachdy Road
Rumney
CARDIFF
CF3 3BG
Charity Number 1147003

PAGES
Cover Page
Index
Trust Information
Rumney Chapel Objects
Trustees Report
5t09
Independent Examiners Report
IOto15
Balance Sheet as of 31 March 2025
12

RUMNEY GOSPEL CHAPEL
TRUSTEES REPORT
TRUST INFORMATION
STATUS..
Charitable Trust
Charity Registration No.. 1147003
TRUSTEES:
Michael Thomas
Michael Carr
Karen Routledge
Josephine GoDde
CHURCH LEADERSHIP TEAM: Michael Carr
Michael Thomas
CHURCH OFFICE &
REGISTERED ADDRES5-
Rumney Gospel Chapel
Brachdy Road
Rumney
CARDIFF
CF3 38G
INDEPENDENT EXAMIN ER: Michelle Llewellyn FCCA
Llewellyn Consultancy
49 Cypress Crescent
Old St Mellons
Cardiff
CF3 2WL
BANKERS:
Metro Bank
507 Newport Road
CARDIFF
CF23 9AD

RUMNEY GOSPEL CHAPEL
TRUSTEE5 REPORT FOR THE YEAR ENDED 31 MARCH 2025
OBJECTS
The primary aims of the Trust are
To advance the Christian Falth In accordance with the statement and beliefs in such
ways and in such parts of the United Kingdom or the world as the Trustees may from
timeto time thinkfit; and
To fulfil such other purposes which are exclusively charitable according to the law of
England and Wales and are connected with the charitable work of the trust.

THE CHURCH: ITS AIMS AND OBJEcfivES
The Church is not a building, but a gathering of ordinary people of dlfferent ages and
backgrounds, whose lives have been changed by Jesus Christ, the Son of God. The New
Testament reveals the Church as a community of poople, properly taught and cared for, who
by loving and serving Jesus Christ, were also committed to love and care for each other and
to bring a blessing to the area in which they live. Rumney Gospel Chapel- its trustees,
Leadership Team and members are committed to the restoration of those New Testament
principles. It is not alone in this, it is one of many Churches in the area, country and all over
the world that is rediscovering the exciternent of knowing Jesus Christ. The vision is to see the
people of our community come into this experience of knowing Jesus as their Lord, Saviour
and friend.
Rumney Gospel Chapel 15 a rnember of the Evangelical Alliance and has a long-standing
relationship with other churches and organisations across Cardiff and South Wales.
Directions relating to the charitable trust are made by the Trustees in con5ultatioN with the
Leadership Team, who are responsible for governing the life and teaching of the church. Dav
to day decisions on expenditure and activities are decided by the staff and volunteer5 in
charge of different areas of the church, with the accounts monitored by the Trustees. The
powers of appointment or removal of Trustees rests with the Trustees. New Trustees are
primarily selected from the members of the church or from the leaders of other local churches
sharing the same vision, since this means the Trustee body is whole heartedly involved in
seeing the mission of the church worked out in practice.
Whilst the church sometimes employs staff It is the work of every member of the church.
whether employed or not, that will make the difference in the church achieving its great
commission. This is done in "being salt and light" amongst the people they interact with every
day,. by prayin& by visiting the sick and others in need, in being involved in training others, in
public teaching and worship, and in administration. The financial resources of the church, to
a very large extent, are given by the members and their private assets and equipment are
regularly used in the work of the church. Much of this work is done privately, without
recognition, and the hours and value of that time cannot be quantified.
THE YEAR: ITS OBJEcfivES AND ACHIEVEMENTS
During the year ended 31 March 2025, Rumney Chapel continued to pursue its calling in Christ
and its charitable purposes for the public benefit through a wide range of worship, teaching,
pastoral care and community activities.
A core part of our work remain5 the regular teaching and preaching ministry of the church.
Our Sunday services, which are open to all, and our midweek gatherings for members provide
opportunities for Bible teaching, worship and mutual encouragement. Alongside these, we
have continued to offer Specific courses on aspects of Christian living which are available to
the wider community at no cost. We also maintained our online presence, streaming our
Sunday Services via Facebook and YouTube so that those who are unable to attend in person,
or who wish to revisit the teachin& can participate remotely.

The purpose of our teaching, preachlng and discipleshlp activltles Is to help people follow
Jesus in everyday life, particularly in living out his command to love God and to love our
neighbours as ourselves. Although our church membership h35 increased to over 120 people
average attendance on Sundays has remained steady at around 85 people, with
approximately half of the congregation also taking part in midweek activities throughout the
year.
The church has continued to run a variety of outreach initiative5 both within the Chapel
building and across the local community. During the year, around 400 individuals from the
wider community attended our different courses, events and outreach activities.
Pastoral care continues to be a significant aspect of our ministry. Members of the Leadership
Team visit and support those within the church and the wider community, offering a listening
ear, practical lielp and informal courk5elling. They are also available to conduct weddings and
funerals for both church members and local residents.
Our involvement with local schools remains a key part of our public benefit. Church members
regularly vlslt both of the local high schools, offering pastoral support to staff and students.
They have also led assemblies, run lunch clubs and contributed to Religious Education lessons.
As in recent years, this has been another period of challenge and change for many in our
communlty. Throughout this time, the staff and volunteers at Rumney Chapel have sought to
stay at the forefront of serving our neighbourhood, lool(ing for Imaglnative and effective ways
to rneet spiritual, emotional 2nd practica5 needs.
The ongoing cost-of-living crisis continues to affect both the church and the community we
serve. We are thankful that income from hall hire has now surpassed pre-pandemic levels,
providing important support to our finances. We are also deeply grateful for the continued
generosity of church members, whose giving enables the ongoing ministry and mission of the
Chapel.
Many of the people we meet through our day-to-day activities are facing mental health
challenges, low confidence and alack of hope for the fLJture. Rumney Chapel Seeks to offer a
safe, warm and welcoming environment where people are listened to and supported.
Our long-standing partnership with Ujpest Reformed Church in Hungary has continued. In
August, a team of nine from Rumney Chapel travelled to Ujpest to help lead an English Camp.
This annual project provide5 a week-long summer camp for vulnerable children, run by Ujpest
Reformed Church, and we are privileged to support thi5 work.
Crossroads Food Bank continues to operate on Wednesdays, now regularly supporting around
23 households each week. Due to financial pressures, the trustees had initially decided that
the food bank would have to close during the year. However, a substantial one-off donation
from a Rumney Chapel family has enabled Crossroads to continue for at least 3 further 12
months. Through Crossroads, we not only provide food and meals to those in need, but also
create a space where people can receive physical, emotional and spiritual support.

Beyond organised church activities, many members of Rumney Chapel contlnue to live out
the New Testament vislon of being "salt and Ilght" in their everyday contexts. This includes
involvement in workplaces, neighbourhoods, schools and wider society, often in unseen and
unrecorded ways. This quiet, faithful presence and influence is a significant part of the
church's purpose, even though the time and impact involved cannot easily be qu3ntified.
The Trustees have complied with their duty under section 4 of the Charities Act 2006 to have
due regard to the Charity Commission's public benefit guidance published in December 2008.
PLANS FOR THE NEW YEAR
As Rumney Chapel continues to grow both spiritually 2nd numerically, we recognise the
ongoing transition from a small congregation to a larger church community of approximately
100 people. The Trustees and Leadership Team remain committed to supporting the church
through this change, ensuring that each person feels known, valued and cared for.
Small Groups remain central to our vision for discipleship and community. During the year we
launched additional groups, including a dedicated Young Adults group. These Small Groups
meet at different time5 and in various locations, includiF)g the Chapel building, people's
homes and local coffee shops, providing flexible and accessible opportunities for fellowship,
prayer and Bible studv.
Friday Night Youth continues to attract a good number of young people froTn both the church
and the local community. We have been encouraged to welcome new young people whom
we first met through our involvement in local schools.
Kidz Klub has a150 grown, now with around 65 children attending each week. The volunteer
team has expanded to support this growth, and we are very thankful for their commitment
and energy.
During the SUTnmer Rumney Chapel ran it's first Spree Wales event 35 the lead organiser. The
event grew with an extra 140+ people attending and was a huge success. We're looking
forward to next yea¢s event and all that God will do through it,
Our building continues to be a hub Df attivity, used seven days a week. Regular users include
Rainbows and Brownies, Knit and Natter, Sewing Club, Social Services, Slimming World and
various other groups, alongside frequent bookings for children's birthday parties on
Saturdays. We are committed to offering a warm welcome and an affordable venue to these
important commurkity organisations and families.
During September the local high school started using our building for Aspire, their off-site
provision for those students struggling with mainstream education. It's been great to deepen
our relationship with the school and help support vulnerable students in our building.

FINANCIAL REVIEW
We are very grateful to the members of our church community for their consistent and
generous giving. Our income from church member giving has increased ensuring that the day
to day running costs of our building and activitlE5 are covered.
We remain vigilant to ensure that any money receSved is spent wisely. The Leadership Tearn
and Trustees ensure that the Church and its membership is making best use of its resources,
talents and gifts.
GRANT MAKING POLICY
Gifts to external organi5ation5 and individuals are considered by the Leadership Team and
Trustees based on need and fulfilment of the charitable objectives. There are no upper or
lower limits of support.
RISK MANAGEMENT
All major insurable risks are subject to normal Churches and employers insurance. Contractual
risks are reviewed hefore being entered into to assess that they would not significantly impact
upon the Churches ability to fulfil its objectives.

STATEMENT OF TRUSTEES RESPONSIBILITIES
Charity law requires the trustees to prepare accounts for each flnancial year which give a true
and fair view of the situation of the Charity and of the profit and loss of the Charity for that
period. In preparing these accounts, the trustees are required to:
Select suitable accounting policies and then apply them consistently.
Make adjustments and estimates that are reasonable and prudent.
Prepare the accounts on the going concern basis unle55 It is inappropriate to presume
that the Charity will continue in operation.
The trustees are responsible for keeping adequate accounting records which disclose with
reasonable accuracy at any time the financial position of the Charity and to enable them to
ensure that the account5 comply with the Charitie5 Act5. 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. The trustees confirm that the
accounts comply with current statutory requirements and those of the Charit¢s trust deed.
This report was approved by the Board ofTrustees on:
Thursday 8th January 2026
and signed on its behalf by..
ea¥Y OICkX- r
Signed:
Date: OEI IJ26
Signed: kMt4f
Date..
OSIL)IF6.

RUMNEY GOSPEL CHAPEL
FtNANCIAL STATEMII NTS
31 MARCH 2025

RUMNEY GOSPII L CHAPEI L
YEAR EI NDED 31 MARCH 2025
ACCOUNTANT'S REPORT
l. I I shall prepai'e the accounts of youi. churcli and the tax coiiiputations will be based piirely upon
youi. aceounlii)g i'ecords and othei. information aiid explanations supplaed to me.
1.2 1 sliall advise yOLi as to thc adequacy of your recoiQs foi. Iliis purpose and Inake recominendatioiis
for iiiipioveiiients whicli I consider iiecessary. I sliall not be responsible if, as a I'esuli of your not
takii)g iiiy advice, you inciii. losses of penalties.
1.3 1 will use I'easoiiable skill and care in tlie preparation of yoiii. accoiints and complltatioiis bLIt will
not be i'esponsible foi. en'ors arisii)g from ii)eori'ect inf0111)atioi) supplied by you. I will not carry out a full
aiidit on youi. re¢oi'ds.
1.4 1 Iiave a pi'ofessional duly to coiiipile accounts wl)icli conform to geiieixlly acceptsd accouiiting
pi'in¢iples and pi'ovide a Ii'ue and fair view of Ilie fiiidiiuial situalioii of your ¢l)uJ'¢li. I plaiined the work
on tl)e basis that no r¢poi't is IEciuired by slalule or regulalioii for the y¢ai'. My woi'k as compiler of the
annual accolints is not an aiidit of tlie accounts iii accordance with auditing standards; coiisequently
my work does not pi'ovide assurance that tlie accoui)ting records are fl'ee fi'oiii Inatei'ial misslateinent,
wliether caused by fraud, oi. otlier ii'i'egulai'ities, or eiior and, aceoiylingly i)0 sucli assiii'aiiee oi. opinioii
is givcn by Ine, whethei. implied oi. eAPI'essed.
Micl)elle Lleivellyn
Fellow of Cbartei'ed Cei'tified Aceouiitajits
Iroval Statemeiit
l appi'ove Ilic atlaclicd incoin¢ and cxpciidilur¢ ac¢oiinl aiid confinn that I have iiiadc &vailabl¢ all
records aiid infoi'mation foi- its prepai'alioii. I liave cliecked the eiiti'ies aiid to tlie best of Iny ability
believe tliat tliesc accoiints al'e a true repi'esenlation of iiiy iiicoine aiid expenses for the tax yeai-.
l agi'ee to tl)e tei'ii)g ( l. I to 1.4) above.
1021
Sigiied
Date

RUMNEY GOSPFL CHAPEL
YEAR ETr4DED 31 MARCH 2025
RECEI IPTS AND PAYMEINTS ACCOUNT
Uni'esti'icled
l."unds £
Designated
riind5 £
Restricted
Funds £
I'hib Year
2024 Total £
RECEIPTS
Note
Moiiies raised
73,506
23,066
38,424
134,996
Piopei'ty- cl)ui'cl)/ hall usei's
9,383
9,383
Bank intei'est & invcstment inconie
12
12
Total Receipts
82,9Q I
23,066
38,424
144,391
PAYMENTS
Chiii'cli I'uiining costs
Pi'ograinine aetivity ensts
Maintcnancc of cliurcli bEiildings
61,061
21,887
12,302
9.245
6,516
8,195
70,306
65,217
20,497
36,814
95,250
23,956
36,814
156,020
r4EI T RII CEI IPTSI (PAYMII NTS)
(12,349)
(890)
1,610
(11,629)
TRAl+4SFCI RS Bri I'WEEN Fuf4DS
FUTr4DS blt'wd l Apiil
2.025
2,654
8,140
12,819
Fuiids clfwd 31 Miii'cli
(10,324)
1,764
9,750
1,19Q
STATEMENT OF ASSETS AP4D LIABILITIES
Mojietai-y Assets
Cas
Baiik ciii'rent account
Baiik savings accoiint
IqLlc21s Morkey aeeount
Spi'ee Walcs
Less.. Loan
356
65
7,720
64
543
(6,800)
212
89
568
154
6,717
64
487
{6,800)
(1,003)
(56)
Total monetary assets
1,948
245
(1,003)
1,190
Otliei- Asset
Appi'oved by tIEe Ei Ideis on
by
05
01
202L
and sigjied on tbeiy behalf
(lial￿e)
(signatui'e)
n/QllK.L //kin/4(

RUMN£I Y GOSPEI L CHAI)EL
YEAR II NDKI) 31 MARCH 2025
NOTES
I ACCOUNTING POLICIES
The financial stateiiienls l)ave been piYp8ltd in accoi'dai)ce witli the Chai'ities Act 201 I Sectioii
145(5)(bl usiiig tlie Receipts 2nd Payinents basis available to eliai'ities and noi foi. profit organisations.
2 FufiD ACCOUNTtNG
Uiiresti'icted Fuiids Inay bc used by the chiiirh foi. aiiy of it$ 01.diiiary pui'poses.
Desigii#ted Funds i'epi'esent uni'estrieted fijnds set aside foi. geiier&l designated pui'poses. tl)ey can be
ti'aiisfgi'red baclc into g¢ii¥ral fuiids at tlie chur¥li's d¢¢ision.
Balallce
blfwd £
R¢oeipts i
year £
Payments
in year £
Balan£¢
clfsvd £
Fund iiiinie & pui'pose
Ci'ossroads
Joy
Friday Niglit Youth
Icidz Klub Midweek
Rumney Chapel at Spree
Chiii'cli Rcwii-iiig fiind
Oulreach Woi'kei. Fiind
Huiigai-y Mission
Tots & Toys
Liviiig Rooin
Coniiiiiinity MRltei's Grai)t
Faitli Space Van
(4,7771
217
10,668
4,372
217
,519
949
(3,301)
8.195
(207)
(2,369)
22
1,375
(355)
4,022
949
3,301
8,195
207
2,369
22
1,375
355
5,049
8,826
245
Total for ilesignated fullds
2,654
23,066
23,956
1,764
Resti'icted Fun(Is repi'esent iii¢om¢ whi¢li iiiay be expeiided 01)ly on those I'estrieted objeets pl￿vIded
iii tl)e tei'i?)s of a ti'ust oi. bequest, oi. donalioi)s or grants I'eceived or ii)vit¢d for a specific purpose.
Tliese fuiids can only be speiit oli tl)e specific puipose for wliich they weir giveii. Any balaiice
reinainiiig ui)speiit muct be cari'ied forivai-d as a b8Saiice on tliat fund foi. futiire expeiiditure oll that
specific pui'pose, oi. I'eturiied; it caniiot be absoi'bed into geiieral funds.
Balaiiee
blfwd £
Ilecelpts In
veal. £
Paymeiils
iii yeai. £
Balaiiee
elfivd £
Fuiid iiame & pui'pose
Spr¢c
8,140
38,424
36,814
9,750
Total foi. i'estyieted funds
8,140
38,424
36,814
9,750

RUMNEY GOSPEL CIiAPEI L
YEAR ENDF.D 31 MARCH 2025
NOTES
Unresltici
fllNd$
Th15y￿1. 1025
3 MONIEI S IL41SEI D
Giving IiicoFnc
Gift Aid Reclaitll
Mission Incoi))e
Project Inoome
Outi'ea¢li & Evaiigelism Incoine
Spi'ee Wales liiconic
Dtsignald fuiid
Rtslvi¢tcd Fvnd5
57.030
4.130
4,980
62,010
4,130
2,369
15,717
12,346
38.424
2,369
15,717
12,346
38,424
Total raised
73.506
23,066
38,424
134,996
4 PROPEIITY INCOME
9,383
9,383
Total pi'operty iiicome
9,383
9,383
5 CHURCH RUNNING COSTS
Uiiliti¢s
Offiee Costs
Motoi. and Ti'avel Costs
Sunday Seivice
Chiii'cl) Giving
Siibsci'iplioiis, Meii)bersliips and
CliaiEcs
Mainteiiaiice aiid Clcaning
Capital Costs
Wages
Insui'uI)ce
7,785
2,198
759
1,971
3,407
7,785
2,400
3,136
1,971
3,407
202
2,377
1,819
2,644
1,819
2,841
6,469
37,917
2,561
197
6,469
37,917
2,561
Total eliurch rujiniiig costs
61,061
9,245
70,306
6 PROGRAMME ACTivrrY COSTS
Oiits'¢acl) & evangelisiii
Gifts & Inis5iorEs
Childi'en's Initlisti'y
17,331
4,556
6,516
23,847
4,556
36,814
36,814
Total i)I'ogi-aiiiiiie activity eosts
21,887
6,516
36,814
65,217
7 MAINTENANCEI OF CHURCH BUILDINGS
Propei'ty repaii's
12,302
8,195
20,497
Totxl mainteiianee of eliui'cli buildings
12,302
8,195
20,497

RUMNIY GOSPEL CTrIAPlI T.
YEAR ENDED 31 MARCH 2025
8 BAIYK INTEREST
12
12
9 MONETARY ASSETS
The cliurcli Iiiotii¢s al-e not held in segi'egated accouiits, but foi. the sake of tliis fiiiancial statei))ent tli¢
total of each ac¢ounl is allocated appi'opi'iately ovei. tl)e various fiiiids.
[1 LDEI R'S STATEMEI NT
I liave pi-epai'ed the fiiian¢ial statcinei)ts on pages I to 3 foi. the yeai. elided 31 Marcli 2025 fi'oill the
aceountiiig I'e¢oi'ds of tlie church.
{iiame)
r-7 <0
(sigiiatiii'e)
(date) s
INDEI PEI NDEI NT EXAMINER'S REPORT
I I'epoi't on tlie financial statcinenls of Riiiiiney Gospel Cllapel for tlie yeai. ended 31 Marcl) 2025, whicli
are set out on pages I to 3.
Respoiisibilities aiid bAsis of i'eport
I repoi't to Ilie ti'ustees on Iny exaiiiination of ilie aeeounts of thc Rliniiiey Gospel Chapel foi. tl)e yeai.
elided 31 Mai'cl) 2025 set oiil oil pages I to 3. As tl)e Chapel's ti'ustees, you are I'esponsÈble for the
pi'eparation of tlie accoui)ts iii accordanee witl) tiic requii'eineiits of d)e Chai'ities Act 2011 ('tlie ACV).
I repoi't in I'espect of Iny exainination of the Chapel's accounts carried out Liiidei. sectioii 145 ot the Act
aiid, in caiiying out iiiy exan)iAation, I liave followed all the applicable Dii'ectiolls 8iven by the Chai'ity
co1￿MiSSIO11 ui)der sectioii 145(5)(b) of the Act.
Indepeiident Ei xainiiiei"8 Statemeiit
I l)ave coiiipleted my exaillination. I confii'iii that iio material Inatl¢rs have coine to illy attention ii)
coi)ne¢tioii witli Il)e exaiiiiiiation wliicli give i))e caEise to bclieve that in, any Inatei'ial respe¢t:
the Ac¢ountiiig rccoi'ds wei'e not kept in ac¢oi'dance with 130 of the Act. or
thc accoiints do i)ol accoi'd with tl)e accoiii)ling recoi'ds.
I liave Ro concei'ns and l)ave coiiie Aci'oss iio other IT]attei's iii coi)nectioii witli Ilie exllmiiiatioii to wliicli
attention sliotild be drawi) in t])is I'epoit ii) 01-dei' to enable a pi'opcr und¢rsÉandiiig of tlie accouiits lo b¢
I'eaclied.
21)d Deeembcr, 2025
SigJLed by tlie Iiidepcjident xamiiiei.
Date
Michelle Llewellyji FCCA
49 Cypi'ess Cresceiit
Old St Melloi)s
Cardiff
CF3 2WL