## Annual Report to the Trustees 2021 

What a dreadful year 2021 was for the whole world, not just Union Church. Covid, in its various forms, had spread its tentacles far and wide. Very few countries were left unaffected by its advance, with many deaths, long recoveries and fear of catching it the predominant features over the world. 

Union Church was left relatively unscathed,  considering its mainly elderly membership, with the only recorded death from the virus being that of Basil Lewis in April, 2020. 

The lockdowns ensured that there were no meetings in our building during most of 2020 and the beginning of 2021. The last one took place from January 2021 until all restrictions ended in June. 

The virus took its toll in other ways. Groups could not meet in our building and congregants were very wary of physically attending worship, even when they could.  Regular mask wearing and keeping 2m apart from each other, made recognition difficult and welcoming any brave newcomers even harder. 

Rev. Gerry Stanton conducted services and meetings on zoom. Unfortunately, quite a few of our membership were unable to access this and phone calls became the main means of communication. 

Our usual Christmas Day Lunch and Party became a delivery only event. Fortunately, a peeling and packing day on Christmas Eve, with people suitably masked and distanced WAS allowed and with Luke Underhill as Head Chef, the cooking was managed brilliantly on Christmas Day and delivery to those who had requested it was made by willing masked volunteers. One part of our mission was accomplished. 

There were very few Church Meetings during the year as reaching a quorum, even on zoom, would have been extremely difficult. Deacons Meetings DID happen on zoom but many of them were mainly Management Meetings as we ensured that all the maintenance tasks needed around the building were done. 

The third lockdown ended on March 28th, 2021, just as our reporting year ended. 

We looked forward to a future in a radically altered world and trusting that God would guide as we tried again, to spread the Word of Our Lord in Crouch End and do His Will. 



uN￿N CIIURCH *F4D COMMUNrrY CENTrE, eltOUCII EPID
FINNACLIL STATEMENTS YEAR ENDED 31 DECEIIÈER 2021
RECEIPT$ AND PAYIAEPITS Acciwifr
Ttrkyw Last Yaw
)19
F￿thE
T(W£
RECEIPTS
Offonngs
Fund Ra￿ng and Donat￿
onies Rased ChJtsde th5es
Legaue5 Received
Property. LelUng8
. Property. Clwr¢tlHall Usws
1,769
1.821 ".
2.143
2.143
12.of
532
42.046
42.046
41,J60 .
),7TT W.404
.371
8>nk Interesi
Sundry IncoTh
21
577
124
6.729
T￿￿1 Art￿Pt*
67,473
PAYklE1￿5
Ministry
16.9)3
16.W3
14,691
8,760.
T4.107
1,707
. Church Running Cfsts
88.696
1.031
72
14X
9.712
Suppjrt ol 0￿de Causos
#' MaIrt￿anCe cIC￿rI* 8uikJ
.&4, M•nlenance vf Investment i
Lottery Ex￿￿lI￿re
72
14.2)5
9,712
657
22.599
40.240
5,441
7,425
Total
ET RECEIPTSI IPAYIIENTS)
TIIAN5FERS funds
Ch•ng• In lThv•Jty4nt valu•5
CASH FUNDS Lfvj l Jatsua
. FUNDS 31 tkcthnbe
-43.447
-739
ny 4).TrX)
23.502
19.451
17,702
164.915
1&.607 238.208
23.516
138.407
161,923
182.607
23B,208
. STATEMENT OF ASSETSAND LiAWLmES
Cash
.. Bank
.w D$toWtA￿nts
., *r(y&BaptstTrusi Deposits
122
7.591
4.411
8.765
6,763
45.485 171.311
7.sg1 i
765 t
7.078
.516
11.742
138.407
138.407
61.9
23
". Pl￿18% (kne to lJwJ¢h
ln3uy8￿e wepgmj
BU1￿￿￿$ under
Church Cwtents
. Ltablwb
Independwrt EwW￿l￿)n
Opus Energy
. APPRUVEDbyth•lTu*eE• OD 0¢. Z&ZtWd￿thekE bEbAlfby
¥, RETErt Gts¥.¢r
Iptht Nnl
Istyatyrel

UNION CHURCH AND COMMUNIry CENTRE. CROUCH END
FINANCIAL STATEMENTS YEAR ENDEO 31 DECEMBER 2021
Page 2
FINANCE OFFICER'S STATEMENT
I have prepared the financial statements on Page 1 for the year ended 31 Dee8mb8f 2021 from the
accounting records of the chur(*.
Yofvj
(Pnth Namel
{Signalure)
11-10-11
(Dalel
INDEPENDENT EXAMINER'S REPORT
I report on the financial statements of Union Church and Communty Centre, CroLKh End for thè year ended
on 31 Deeember 2021 and set out on Page 1.
Respectlvè responsibilltles
The church is responsible for the FKeparation of th8 finanual stalemenls. and o)nsiders that the audit
requirement of Section 144 of the Charities Act 2011 {Ihe Actl does not apply. It is my responsibility to
slate, on the basis of procedures specrfied In the Ger￿al Direction5 given by the Charty Commissioners
under S8dion 145(51{bl of the A¢t. ￿ether parti￿lar matters have come lo my attgnlion.
Basis of Independenl Examinerfs report
My examination was I￿rried out in accordance with the Gewal Directions of the Charity Commissiows.
An examination includes a review of the accounting records kept by the thurch and a comparison of the
accounts presented with those records. It also includes eonsideration of any unusual items or disclosures
in the financial slatemenls, and seeking explanations w￿rnIng any such matters. The procedurtrs
undertaken do not provide all the evidence that wrwjld be required in an audit, and consgquently I do not
express an audit opinion on the view given by the financial slalements.
Ind¢pendent Examln•rfs statsmgnt
In connedion with my examination of the churth funds. nothing cam8 to my attention which gave m8 cause
lo believe otherwise than that the finarrial statements accord with the accounting records of the thurch, and
that those records satisfied the wuiremenls of the Act. l am not aware of any matter lo which attention
should be drawn in order lo enable a proper WKlerstaryJiro of th8 finamal statements lo be reached.
My Independent Examinerfs Report on the Accounts is e￿loSed.
David Watts FCA
ICAEW
47 Topsfield Parade
London
N8 8PT

CHARITY COMMISSION
FOR ENGLAND ANO WALES
Ind•p•nd•nt •￿mIn•￿5 w•p¢xt on th• accounts
Section A
Independent Examiner's Report
Report to th• trustwsl
m•mb•rs of
Unh)n Church arKI c(￿unty Centre. Crc4J(* End
On accounts for the
31W Dwmber 2021
Charity no
{rf any)
115)944
s￿ out on pag¢s
I reFQrt to ts tntslees ￿ my examinat*)n of the arU￿nts of the above charrty {Ihe
Tnjsfi lor the year eTrJed 3111212021.
ResponslbllltSes and basls
of r•port
As the charitls truslees. yOLt a￿ ￿SpOnSIble for the preparatK>n of the accounts in
a¢cordance wrth requirements of the Charilie5 Act 20111.the Act'l.
I rerKJrt in iesFeCt of my exarrwn3tKM) of the TfU5t's accounts carried out uThJei
sectim 145 of 2011 Acl and in cairytng OLrt my examination, I have followed 811
the ap￿￿able Direct*)ns given by Ihe Charity CommissK)n under section 14515Xb)
of the Act.
Independent examinerfs I have corn￿ete￿ my examination. I c￿￿Mi that materi81 matters have come to
stat8m•nt my attentson in Ccfflnec1￿ with Ihe examinakn whith cause to believe
that in. any malerial resped..
the accountsng recc¥ds were not kept in accordar￿e wilh 130 of the
Char¥t*s A¢t." or
the ￿(￿￿nts did nol acoyd with ihe accounting records." or
the aCC￿nIS did nol comr4y V•th the appluble ￿qU1￿ments cTh)¢gming the
lorni and content of acccrtjnts set c*Jl in the charib.es (Accounts and ReFM)rtsl
Regulations 2008 other than any ￿uIreMent that the accounis give a 'true
and laif. which is not a matter c£ffls*kned as part ol an independent
examination.
I have no cor￿emS and have come across ￿ other mattws in wnnection with
the examin*KJn lo Wh￿ attèntK)n Shou￿ be drnwn in this rep)rt ￿ Order to
enat4e a propw underslanding of the acwunts lo be reache(l.
12ffj8r2022
Slgrwl:
DavKI Watts FCA
Relevant professional | IGAEW
quaSbflcatlonlsl or body1Sf
Address:
' 47 Topsfield Paradg
Lon(k)n
N8 8PT
IER
12018
Oct

Section B
DistlosurÈ
Only complete IF.,￿,e examipei nee¢s lo hiahlighl material malters of corrcern Iseo
CC32. Indeper¥Jent examfflab.on of chanty ac(x)unts". diredK)n5 and guldance for
examI￿r5}.
Glve ￿Te brief details of
any Itèms that thè •xamin•r
wl#he5 to dityc1￿.
NIA
IER
22018
Oct

ANNUAL GEliERAL MEETLNG 2022
inance Ofncer's Re
As in the wevious three years, the end of year accounts for 2021 showed a decrease in the value of the
Church's assets. Expenditure exceeded Income by £44,187 during the year. The following table of
comparisons between 2020 and 2021 shows the major areas of income and expenditure.
2021
2020
Income Activi
Offering
Fund Raising & Donations
Property Lettings
Hall Hire
982
2.143
42.046
20,777
1,769
1,821
41,380
20.404
enditure Activi
Ministy & Mission Fund
Church Running Costs
Maintenance of Church Buildings
Maintenance of Property
16,903
68.696
14205
9,712
14,691
74,107
40240
5,441
The £42,046 against 'Propety Letttngs, in 2021 represents a full take-up of residency in the fiat above
The Church and a full year's rental from The Montessori Nursery. No fees were taken by the letting
agents in 2020 which explains why income from the flat was lower in 2021 (£21.046 against £24.860) as
the agents cbarged two years, fe￿ in 2021. Hirings for Parties increased from only £442 in 2020 to
£1.063 as the country started to recover from shutdowns due to the COVID-19 pandemic. Income from
Hall Hiring was slightly down OD 2020 figures (£17,727 against £19.962), caused primarily by lat¢
payments during the shutdowns. Ch&sing these payments is at the top of my current agenda and, although
slow. money has begun to filter through io us. £4291 wa5 owed to the Church by late payers at the end of
2021. The Christrnas Lunch brought in £611. Without thc donation from Hornsey Parochi￿ Charities it
would have cost us £189.
On the Expenditure side. there are no major concerns. There was a drop in Church Running Costs during
202 l. due to lower expendinre on (Itfice Supplies (£2,696 against £4.153 in 2020), the Insurance claim
due to flooding (we received payments totalling £3.173) and slightly less expenditute on Prof¢ssional
Services.
As has been emphasised before. Prop¢rry Maintenance costs often nm in cycles. low costs one year may
indicate that necessary tssks are being pos￿￿ed until the next. The lower costs of 'Maintenance of
Church Buildings. in 2021 can be put down to less external contractor5 being employed during the
pandemic and thc rise 'Maintenance of Propety, (ie to the Flat and Rokesly) to work being undertaken
internally.
Thc value of The Legacy bequeathed to The Church by the late m￿jorie Smith dropped during 2021 from
£168.987 to £145.485. £50,0￿ w&$ withdrnwn from the fijnd in 2021 but due to favourdble stock market
onditions the end of year decrease amounted ￿ only £23.502.
Our Deposit Account at CCLA Investment Management had been depleted to only £1,751 due to constant
withdrawals since 2018. It contlnued to attrdct poor amounts of interest due ￿ the Bank of England Base
Rate being as low as it h&$ been in recent years. This raie is, how¢ver, beginning to improve.
Overall, it was a reasonable yeaT financially coosid¢rAng our continuing spending obligations but it would
bc recommended The Church seek to reni out the Manse. increases Facility Hirings and seek more
income-generating even￿ if possible. Otherwise, any major increases in overall Church casb assets over
the next few years look unlikely.

uN￿N CIIURCH *F4D COMMUNrrY CENTrE, eltOUCII EPID
FINNACLIL STATEMENTS YEAR ENDED 31 DECEIIÈER 2021
RECEIPT$ AND PAYIAEPITS Acciwifr
Ttrkyw Last Yaw
)19
F￿thE
T(W£
RECEIPTS
Offonngs
Fund Ra￿ng and Donat￿
onies Rased ChJtsde th5es
Legaue5 Received
Property. LelUng8
. Property. Clwr¢tlHall Usws
1,769
1.821 ".
2.143
2.143
12.of
532
42.046
42.046
41,J60 .
),7TT W.404
.371
8>nk Interesi
Sundry IncoTh
21
577
124
6.729
T￿￿1 Art￿Pt*
67,473
PAYklE1￿5
Ministry
16.9)3
16.W3
14,691
8,760.
T4.107
1,707
. Church Running Cfsts
88.696
1.031
72
14X
9.712
Suppjrt ol 0￿de Causos
#' MaIrt￿anCe cIC￿rI* 8uikJ
.&4, M•nlenance vf Investment i
Lottery Ex￿￿lI￿re
72
14.2)5
9,712
657
22.599
40.240
5,441
7,425
Total
ET RECEIPTSI IPAYIIENTS)
TIIAN5FERS funds
Ch•ng• In lThv•Jty4nt valu•5
CASH FUNDS Lfvj l Jatsua
. FUNDS 31 tkcthnbe
-43.447
-739
ny 4).TrX)
23.502
19.451
17,702
164.915
1&.607 238.208
23.516
138.407
161,923
182.607
23B,208
. STATEMENT OF ASSETSAND LiAWLmES
Cash
.. Bank
.w D$toWtA￿nts
., *r(y&BaptstTrusi Deposits
122
7.591
4.411
8.765
6,763
45.485 171.311
7.sg1 i
765 t
7.078
.516
11.742
138.407
138.407
61.9
23
". Pl￿18% (kne to lJwJ¢h
ln3uy8￿e wepgmj
BU1￿￿￿$ under
Church Cwtents
. Ltablwb
Independwrt EwW￿l￿)n
Opus Energy
. APPRUVEDbyth•lTu*eE• OD 0¢. Z&ZtWd￿thekE bEbAlfby
¥, RETErt Gts¥.¢r
Iptht Nnl
Istyatyrel

UNION CHURCH AND COMMUNIry CENTRE. CROUCH END
FINANCIAL STATEMENTS YEAR ENDEO 31 DECEMBER 2021
Page 2
FINANCE OFFICER'S STATEMENT
I have prepared the financial statements on Page 1 for the year ended 31 Dee8mb8f 2021 from the
accounting records of the chur(*.
Yofvj
(Pnth Namel
{Signalure)
11-10-11
(Dalel
INDEPENDENT EXAMINER'S REPORT
I report on the financial statements of Union Church and Communty Centre, CroLKh End for thè year ended
on 31 Deeember 2021 and set out on Page 1.
Respectlvè responsibilltles
The church is responsible for the FKeparation of th8 finanual stalemenls. and o)nsiders that the audit
requirement of Section 144 of the Charities Act 2011 {Ihe Actl does not apply. It is my responsibility to
slate, on the basis of procedures specrfied In the Ger￿al Direction5 given by the Charty Commissioners
under S8dion 145(51{bl of the A¢t. ￿ether parti￿lar matters have come lo my attgnlion.
Basis of Independenl Examinerfs report
My examination was I￿rried out in accordance with the Gewal Directions of the Charity Commissiows.
An examination includes a review of the accounting records kept by the thurch and a comparison of the
accounts presented with those records. It also includes eonsideration of any unusual items or disclosures
in the financial slatemenls, and seeking explanations w￿rnIng any such matters. The procedurtrs
undertaken do not provide all the evidence that wrwjld be required in an audit, and consgquently I do not
express an audit opinion on the view given by the financial slalements.
Ind¢pendent Examln•rfs statsmgnt
In connedion with my examination of the churth funds. nothing cam8 to my attention which gave m8 cause
lo believe otherwise than that the finarrial statements accord with the accounting records of the thurch, and
that those records satisfied the wuiremenls of the Act. l am not aware of any matter lo which attention
should be drawn in order lo enable a proper WKlerstaryJiro of th8 finamal statements lo be reached.
My Independent Examinerfs Report on the Accounts is e￿loSed.
David Watts FCA
ICAEW
47 Topsfield Parade
London
N8 8PT

CHARITY COMMISSION
FOR ENGLAND ANO WALES
Ind•p•nd•nt •￿mIn•￿5 w•p¢xt on th• accounts
Section A
Independent Examiner's Report
Report to th• trustwsl
m•mb•rs of
Unh)n Church arKI c(￿unty Centre. Crc4J(* End
On accounts for the
31W Dwmber 2021
Charity no
{rf any)
115)944
s￿ out on pag¢s
I reFQrt to ts tntslees ￿ my examinat*)n of the arU￿nts of the above charrty {Ihe
Tnjsfi lor the year eTrJed 3111212021.
ResponslbllltSes and basls
of r•port
As the charitls truslees. yOLt a￿ ￿SpOnSIble for the preparatK>n of the accounts in
a¢cordance wrth requirements of the Charilie5 Act 20111.the Act'l.
I rerKJrt in iesFeCt of my exarrwn3tKM) of the TfU5t's accounts carried out uThJei
sectim 145 of 2011 Acl and in cairytng OLrt my examination, I have followed 811
the ap￿￿able Direct*)ns given by Ihe Charity CommissK)n under section 14515Xb)
of the Act.
Independent examinerfs I have corn￿ete￿ my examination. I c￿￿Mi that materi81 matters have come to
stat8m•nt my attentson in Ccfflnec1￿ with Ihe examinakn whith cause to believe
that in. any malerial resped..
the accountsng recc¥ds were not kept in accordar￿e wilh 130 of the
Char¥t*s A¢t." or
the ￿(￿￿nts did nol acoyd with ihe accounting records." or
the aCC￿nIS did nol comr4y V•th the appluble ￿qU1￿ments cTh)¢gming the
lorni and content of acccrtjnts set c*Jl in the charib.es (Accounts and ReFM)rtsl
Regulations 2008 other than any ￿uIreMent that the accounis give a 'true
and laif. which is not a matter c£ffls*kned as part ol an independent
examination.
I have no cor￿emS and have come across ￿ other mattws in wnnection with
the examin*KJn lo Wh￿ attèntK)n Shou￿ be drnwn in this rep)rt ￿ Order to
enat4e a propw underslanding of the acwunts lo be reache(l.
12ffj8r2022
Slgrwl:
DavKI Watts FCA
Relevant professional | IGAEW
quaSbflcatlonlsl or body1Sf
Address:
' 47 Topsfield Paradg
Lon(k)n
N8 8PT
IER
12018
Oct

Section B
DistlosurÈ
Only complete IF.,￿,e examipei nee¢s lo hiahlighl material malters of corrcern Iseo
CC32. Indeper¥Jent examfflab.on of chanty ac(x)unts". diredK)n5 and guldance for
examI￿r5}.
Glve ￿Te brief details of
any Itèms that thè •xamin•r
wl#he5 to dityc1￿.
NIA
IER
22018
Oct

ANNUAL GEliERAL MEETLNG 2022
inance Ofncer's Re
As in the wevious three years, the end of year accounts for 2021 showed a decrease in the value of the
Church's assets. Expenditure exceeded Income by £44,187 during the year. The following table of
comparisons between 2020 and 2021 shows the major areas of income and expenditure.
2021
2020
Income Activi
Offering
Fund Raising & Donations
Property Lettings
Hall Hire
982
2.143
42.046
20,777
1,769
1,821
41,380
20.404
enditure Activi
Ministy & Mission Fund
Church Running Costs
Maintenance of Church Buildings
Maintenance of Property
16,903
68.696
14205
9,712
14,691
74,107
40240
5,441
The £42,046 against 'Propety Letttngs, in 2021 represents a full take-up of residency in the fiat above
The Church and a full year's rental from The Montessori Nursery. No fees were taken by the letting
agents in 2020 which explains why income from the flat was lower in 2021 (£21.046 against £24.860) as
the agents cbarged two years, fe￿ in 2021. Hirings for Parties increased from only £442 in 2020 to
£1.063 as the country started to recover from shutdowns due to the COVID-19 pandemic. Income from
Hall Hiring was slightly down OD 2020 figures (£17,727 against £19.962), caused primarily by lat¢
payments during the shutdowns. Ch&sing these payments is at the top of my current agenda and, although
slow. money has begun to filter through io us. £4291 wa5 owed to the Church by late payers at the end of
2021. The Christrnas Lunch brought in £611. Without thc donation from Hornsey Parochi￿ Charities it
would have cost us £189.
On the Expenditure side. there are no major concerns. There was a drop in Church Running Costs during
202 l. due to lower expendinre on (Itfice Supplies (£2,696 against £4.153 in 2020), the Insurance claim
due to flooding (we received payments totalling £3.173) and slightly less expenditute on Prof¢ssional
Services.
As has been emphasised before. Prop¢rry Maintenance costs often nm in cycles. low costs one year may
indicate that necessary tssks are being pos￿￿ed until the next. The lower costs of 'Maintenance of
Church Buildings. in 2021 can be put down to less external contractor5 being employed during the
pandemic and thc rise 'Maintenance of Propety, (ie to the Flat and Rokesly) to work being undertaken
internally.
Thc value of The Legacy bequeathed to The Church by the late m￿jorie Smith dropped during 2021 from
£168.987 to £145.485. £50,0￿ w&$ withdrnwn from the fijnd in 2021 but due to favourdble stock market
onditions the end of year decrease amounted ￿ only £23.502.
Our Deposit Account at CCLA Investment Management had been depleted to only £1,751 due to constant
withdrawals since 2018. It contlnued to attrdct poor amounts of interest due ￿ the Bank of England Base
Rate being as low as it h&$ been in recent years. This raie is, how¢ver, beginning to improve.
Overall, it was a reasonable yeaT financially coosid¢rAng our continuing spending obligations but it would
bc recommended The Church seek to reni out the Manse. increases Facility Hirings and seek more
income-generating even￿ if possible. Otherwise, any major increases in overall Church casb assets over
the next few years look unlikely.