2025-12-31-accounts

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BIDFORD BAPTIST CHURCH

Registered Charity Number: 1153417

Report of the Trustees and Annual Financial Statements

for the year ended

31[st] December 2025

CONTENTS

	Pages
Contact Details	2
Trustees Report	3 to 11
Independent Examiner’s Report	12
Income and Expenditure Statement	13
Balance Sheet	14
Notes to the Accounts	15 to 17

CONTACT DETAILS

Physical Address: TheBarn Waterloo Road Bidford on Avon B50 4JN Email: [e-mail] Website: www.thebarn.org.uk

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TRUSTEES REPORT

FOR THE YEAR ENDED 31st DECEMBER 2025

The Trustees present their report with the financial statements of the charity for the year ended 31 December 2025.

OBJECTIVES OF THE CHARITY

The principal purpose of the charity is the advancement of the Christian faith according to the principles of the Baptist denomination. The Charity may also advance education and carry out other charitable purposes in the United Kingdom and/or other parts of the world.

MISSION STATEMENT

“Meeting with God. Walking with God. Serving God.”

Our mission statement gives us our purpose, our process and our mission. This is what God wants us to do. This is how we’re going to do it. This is what we’re going to help others to do.

MEETING WITH GOD centres on our Sunday services and is about the personal revelation, spiritual refreshing and recharging we need to empower our Christian life.

WALKING WITH GOD is reflected in our relationship with Him through the week: learning, growing, connecting.

SERVING GOD and bearing fruit are our ultimate purpose: our commission, our compassion, our commitment.

All this is centred on our ongoing relationship with the Lord. MEETING WITH GOD is personal and intimate, and takes place as we encounter God’s presence and power together. WALKING WITH GOD is both personal and corporate as we journey with the Lord in devotion, in prayer and in connect groups. SERVING GOD is the outworking of all that He has deposited in us as we take His love to the world in diverse ways.

MEETING WITH GOD takes us deeper in our experience. WALKING WITH GOD makes us stronger in our relationship(s). SERVING GOD opens us wider in our influence.

VISION STATEMENT

The church we see is ALIVE : vibrant, welcoming, joyful and fun; our services are bright, positive and celebratory.

The church we see is SPIRIT FILLED : passionate in worship, where His presence is tangible, where the gifts of the Holy Spirit are in operation, where those in need receive personal ministry, and where services are not religious rituals but encounters with God.

The church we see is GROWING : attractive to seekers, welcoming to guests, reaching out to the ostracised and the hurting, has multiple arms extending into our communities, and then challenges people to respond to the gospel such that confessions of salvation, baptisms and changed lives are the norm.

The church we see is TRANSFORMING : where broken lives, relationships and families are restored; where dead religion is replaced by dynamic relationship, unbelief by faith, hopelessness by joy, where sick people become healthy, the broken become whole, and new Christians become fully devoted followers of Jesus.

The church we see is a FAMILY : we started as a family and will continue to be a family. Our program will include large, weekly, communal meetings, but also small gatherings in people’s homes, where authentic friendship, honesty, trust, mutual support and accountability are cultivated.

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The church we see is EQUIPPING : maturing people in their faith, encouraging them in their gifts, developing them in their leadership, and releasing them to be everything they can be for the Lord.

In pursuit of the Objects, Mission and Vision the Trustees expend the charity's resources on:

• employing Ministerial people and paying their expenses. (Ministry)

• paying for the organisation and hosting of events and projects that provide an opportunity for people to find out about Jesus. (Mission)

• hiring premises and providing equipment that provides a meeting place for members and visitors. (Rooms and building hire)

• necessary administration incurred in the running of the church. (Administration)

In addition, the church, in recognition of biblical principles, gives away at least 10% of its income in each year. These donations are made in response to local, national and world events and are usually made to organisations known to the charity.

CONSTITUTION

Bidford Baptist Church was planted in September 2005 from Chipping Campden Baptist Church (CCBC). It adopted a constitution in 2007 and became a separate entity on 1 January 2008.

Bidford Baptist Church adopted its current constitution on 1 May 2013 and registered with The Charity Commission on 15th August 2013 as “Bidford Baptist Church” with a working title of “theBarn.” The charity registration number is 1153417. The Church is generally known as “theBarn.”

The Church is affiliated to the Baptist Union of Great Britain and a member of the Heart of England Baptist Association.

The Trustees of the Church are responsible for the governance and management of the charity and have significant ownership and oversight of the church’s vision and strategic development.

LEADERSHIP STRUCTURE

The structure of the church leadership comprises:

• A Trustee Board – which has legal responsibility and operational oversight for all aspects of the church’s mission and activities as well as for the appointment and employment of the senior pastor and ministry staff.

The Trustees who have served during the year are as follows:

Rev Jamie Cox Senior Pastor & Trustee Paul Johnson Trustee: Church Secretary Barry Goldsby Trustee: Facilities Manager Roger Keyte Trustee: Treasurer Simon Meek Trustee: Safeguarding

The charity’s Trustees are endorsed by the church in general meeting. Key responsibilities are assigned to Trustees by the Trustee Board.

• The Leaders – Led by the Senior Pastor and under the overall authority of the Trustees, the Leaders have responsibility for planning and directing the church ministries and the spiritual life of the church.

The Leadership Team members who have served during the year are as follows:

Rev Jamie Cox Senior Pastor & Trustee Paul Johnson Trustee: Church Secretary Pete Kearney Mary Keyte Simon Meek Trustee: Safeguarding

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Tree Morton Murray Scholefield

• Pastors & Staff – Paid Pastors are recognised by the church as exercising particular calling and ministry and at the end of the year comprised:

Rev Jamie Cox Senior Pastor & Trustee Jenny Gilham Children’s Pastor Abigail Grisman Pre-School & Families Pastor Emma King Youth & Families Pastor

Trustees are fully involved in the life of the church giving them detailed knowledge of the organisation. They are also made aware of their obligations and responsibilities through Charity Commission publications and conferences and take due regard to guidance published by the Charity Commission.

Trustees usually meet bi-monthly and ensure the charity operates within the appropriate regulations and in line with its constitution and policies.

GOVERNING DOCUMENT

The charity is governed by its constitution and is constituted as an unincorporated charity. However, in 2025, we took steps to register with the Charity Commission as a Charitable Incorporated Organisation (CIO). That process required the completing of a new set of governing documents, which was done using the Charity Commission association model document. The new charity (charity number 121618) was registered in Dec 2025 with the same trustees, and in 2026 the church will take the necessary steps to transition from the old charity to the new.

REVIEW OF 2025

A BIRD’S EYE VIEW:

Since the church was established in 2005, the Lord has faithfully built and blessed theBarn. Starting with a handful of people at the beginning and becoming a vibrant and active church today, there are now more than 300 people, adults and children, from in and around our hometown of Bidfordon-Avon, currently attending our regular services and meetings.

In summary, 2025 has been a rewarding year for the church in so many ways including:

• The celebration of twenty years of ministry here in Bidford.

• Continuing growth numerically, with encouraging numbers in all our children’s and youth groups.

• Real growth in spiritual depth across the church, with particular attention to the prayer life of the church, pastoral care and our Connect Group network.

• Continuing to increase our support to missions, both locally and internationally, including members of our own congregation at work across the globe.

• Having begun the year anticipating a financial deficit, we were delighted to see all of our financial needs met, thanks to the generous financial support of our congregation.

• Seeing many talented, committed people joining the church and increasingly offering their skills and resources.

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HIGHLIGHTS OF 2025:

• 20[th] Anniversary Celebrations

• On the weekend of September 13[th] and 14[th] , the church celebrated its 20[th] birthday – the first ever service having been held in the Crawford Memorial Hall on September 11[th] , 2005.

• To commemorate the occasion, we held a banquet on the Saturday evening, with around 200 of our current church family enjoying a first-class meal, amusing entertainment and great company! Amongst the highlights was a video looking back on the last 20 years; and in particular telling the story of the original planting out of Chipping Campden Baptist Church’s Bidford-on-Avon house group, as well as the first service. We were very grateful to all the contributors to that video and especially Peter Burnett for filming and editing it.

• Sunday Worship and Teaching:

• Sunday morning services began the year with a series called ‘Fully Clothed,’ based on Colossians 3:12: a list of the qualities we should embrace as followers of Jesus. Subsequent series included ‘Broken’ (Broken Vessels, Limps & Scars, Broken Idols, Broken Strongholds, Broken Limitations, and ‘Break my heart for what breaks Yours.’) In April and May, it was Breaking Free, followed by ‘Here I am, Send Me’ – a look at our call to witness. The August series featured a series of interviews and mini-preaches with the theme was ‘Living in the Fire’ – the story of Daniel.

After the anniversary celebrations, we held a month of prayer, including calls to fasting, zoom meetings, and culminating in a family Half Night of Prayer. The teaching series, based on the Lord’s Prayer, was ‘Lord, Teach us to Pray.’

The teaching year was concluded with a look at the Weapons of our Warfare – The Word, the Name, the Blood and Praise.

• Worship: Our worship ministry continued to flourish in 2025 with the hard work from our Worship Ministry Leaders, as well as the various Sunday morning worship leaders, musicians and singers. Their collective ability to create a rich, worshipful atmosphere, as well as deliver challenging songs with excellence is vital to our church life and greatly appreciated.

• Refreshing meetings: The purpose of ‘Refreshing’ is to give people the opportunity to respond more slowly and deeply in a time of reflection and ministry, to the call of the Lord delivered through His Word. The theme for 2025 was ‘John’s Gems’ – a look at some of the most poignant and insightful of Jesus’ teaching recording in John’s Gospel. We particularly enjoyed a guest appearance from Pastor Jon Colyer of Gateway Christian Centre in West Bromwich, who spoke at our Refreshing service in May.

• Welcome Team: The Welcome Team continue to provide a warm greeting to all and have extended their service by adding stewards to the line-up. Part of the process is inviting people to our termly Newcomers Lunches which the Welcome Team facilitate, and then, hopefully into Connect Gateway.

Kids Church:

Our Sunday morning Kids and Youth Ministries continue to provide a wonderful, safe, fun environment for our youngsters to learn about Jesus, make friends, sing, play, create and encounter the presence and power of the Holy Spirit. We are incredibly fortunate to have our pastors Jenny Gilham, Abbie Grisman and Emma King leading those ministries, supported by an incredibly able and committed team of volunteer teachers and helpers. Our groups comprise:

• Pre-school children aged 2-4 years

• Children from Reception to Year 6

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o Youth from Year 7 – 11.

Children’s and Youth Sunday morning worship and teaching has been supplemented by a variety of activities and events including:

• Messy Easter: We hosted a Messy Church event just before Easter, with an array of crafts, games, songs, supplemented with an abundance of chocolate! It is always great to share the Easter story with curious and enthusiastic young people. We are also extremely grateful to the team of volunteers who facilitate Messy Church, always with skill, willingness and a smile!

• The Light Party: Our annual ‘Halloween-alternative’ kids’ event takes place on the last day of October, featuring a bright, joyful, colourful mix of craft-making, games, singing and eating, all culminating in the closing gospel talk. This was once again extremely popular and well-attended – definitely one of the highlights every year.

• Fusion Friday: Our Friday evening youth group has also continued to flourish with around 50 young people on the books and an average attendance in the 30s. It is always so encouraging to see how responsive the young people are, churched and unchurched, to the concluding ‘God Slot.’

• Youth Camp 2025 hosted at the Lenchwood Centre, proved to be the biggest and boldest yet, with plans to expand even further in 2026. With various activities throughout the day and meetings in the barn for worship and teaching, camp provides the opportunity to go longer and deeper, as well as for teenagers (and the helpers!) to enjoy teenage activities!

• Relentless: We held Relentless three times in 2025. In March, the guest speaker was Jon Sewell from Youth for Christ. In June, we welcomed football freestyler, Dan Magness. In October, it was Grace Wheeler from Alpha Youth UK. All three were wonderful evenings of praise, worship and teaching attended by around a hundred young people from across the area.

• Holiday Club: Following the success of our first edition in 2024, our kids’ team again hosted a summer Holiday Club, running each morning from Tuesday to Friday, in the first week of the school holidays. It was a fantastic event, not just in terms of attendance and quality, but as an investment into young and enthusiastic lives. Our Kids Pastor, Jenny, and her fantastic team of volunteers, many of whom took weeks off work to serve, have such a clear vision, and deliver such a fun and engaging programme – drama, video, music, games, arts & crafts … this year all with a pirate theme and an amazing set! At the end of all that, the Holiday Club team ran the Sunday morning service that week, leading into an afternoon BBQ, to which all Holiday Club attendees and their families were invited.

Baptisms, Funerals & Dedications:

• We are thrilled to report a record number of baptisms in 2025 – a grand total of 14 – Jem Ankcorn, Jessie Keyte and Beth King in January, Reuben Speight along with Oliver, Joel and Toby Cox in March, Morgan and Dean Ramsay, Elijah Green, Clare and Justin Green in July, and Jodie Fowler and Jack Pittam in 2025. Baptisms are always powerful and memorable, not just for the candidates themselves, but their whole family, friends, guests … indeed the whole church, as baptism represents the fulfilment of such a significant part of our mission. We held baby dedications for Abby Bell and Barney Pitchford. There were no weddings or funerals in 2025.

Christmas Services:

• Christmas is always a busy but purposeful time of year. In 2025, we ran the usual spread of activities: Christmas Mix, a youth banquet, an Instant Nativity, wreath-making, our Carol Service, collecting gift boxes to send to Samaritan’s Purse and Ukraine and a Christmas Day service. Chloe’s carol service rendition of Noel with Ellie Macleod’s ballet was an undoubted highlight, and the Angel Watch News Reports told the Christmas story in a creative and entertaining way!

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• Outreach:

Conscious of our mission to extend the love of Christ to the wider community, we have continued to run a variety of activities designed to foster links and develop friendships with as many as possible. Such activities include:

• Mix: On the 3[rd] Sunday of each month, Mix provides the opportunity for those with additional needs, as well as their families, friends and carers, to enjoy an afternoon filled with fun, music and laughter. Every event is unique and special!

• Café Barn continues to serve, meeting nearly every Tuesday afternoon throughout the year. It remains popular both with our own church regulars, as well as several who don’t come on a Sunday. For all, it provides good company, stimulating conversation, as well as home-made cake and a hot drink!

• Stay & Play, our thrice weekly pre-school and parent/carer ministry, continues to flourish, serving around 150 families from the broader B50 postcode. The aim is to create a warm, welcoming and relaxed culture, where people can start a journey that we hope will culminate in a decision for Christ and a journey into discipleship.

• Bidford Community Choir: It is our pleasure to host the local choir and this year we hosted their summer concert at the beginning of July.

Our church has a passion for spreading the Gospel both internationally, including to the least reached people groups as well as locally.

• Barn Global continues to pray for and actively support several missionaries, ministries and missions’ organisations operating around the world. Such people are doing significant work in challenging situations, and we know that the support of our church through Barn Global is a great encouragement to them.

• Community & Discipleship:

We have welcomed many new families to the church in 2025. To encourage each of our newcomers as well as all others in the church to become more actively involved in the life of the church and to grow in their spiritual life we have provided the following:

• Pastoral Care has continued its significant mission of showing people we care. This is done in numerous ways, offering kindness, encouragement, connection and, if necessary, more specific input. It is our hope that everyone feels that theBarn is a safe, supportive place, where their needs can be met on an ongoing basis and particularly in the event of challenge or even crisis. We are extremely grateful to the sizeable team making that happen, and not least the ministry leaders, Paul & Clare Johnson with Steve & Sue Cooper.

• Connect Gateway, our course introducing people to life at the church, ran in June 2025 with a slightly different format. It was felt that the full six week course was a bit of a stretch, particularly for those with young families. So, we condensed the course into a three week ‘Connect Gateway Express,’ with social events in the aftermath to help build the new friendships created. Ultimately, the aim is to help people settle in, learn more about us and hopefully find their place in the church family.

• 11 Connect Groups met regularly this year to build friendships, study the Word and pray together; usually in homes, some meeting at the church. Connect Group Leaders also met periodically for leadership development, to report on their group life, as well as to encourage and pray for one another

• The Marriage Course, ran again in 2025 after a gap of a few years. Led by Rowan & Mary Keyte, keen advocates for the course, a good number of couples spent seven Monday evenings in an intimate date-night setting, learning, discussing and sharing, with the aim of breathing life and health into their relationship.

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Two new initiatives were also started in 2025:

• Young Leaders : Recognising the budding leadership qualities evident in some of our older teenagers, Jamie Cox and Emma King have hosted bi-monthly Young Leaders training, to help them explore and develop their leadership, learn some of the leadership tools they will need going forward, as well as looking at how they can helpfully influence their peers at school, college and work.

• Preaching Circle : By popular request, a group containing our current teaching team, both adult and youth, along with others sensing a call to preach, have started to meet regularly to discuss the sorts of issues communicators face: preaching styles, preparation methods, content inclusion and exclusion, etc. Some of those are already preaching in our church and the expectation is that others will have increasing opportunities in the days to come.

• Prayer:

• Half-Nights of Prayer ran throughout 2025, offering a creative space for people to worship and pray personally, with others, and at times as a whole group. In October the meeting had a family flavour with stations aimed at younger ones. We also included evenings where people were given the opportunity to pray around the building, focussing on the ministry taking place in each individual location. In a church needing revival and a world needing Jesus, we will continue to prioritise corporate prayer, and it is pleasing to report that the monthly meetings were well attended in 2025.

•

Other highlights:

As an active and purposeful church many other events and activities took place during 2025 including:

• WEL: The second annual WEL (Worthy, Empowered & Loved) ladies’ meeting took place on a Saturday morning in May. The length and format were extended slightly, with the aim of empowering and equipping women from theBarn & beyond, from age 14 upwards. The event once again set a very high standard in hospitality and content and was greatly appreciated by all those attending.

• Golf Day: The men enjoyed their annual golf day at Bidford Grange in June, not forgetting the usual Saturday morning Osco’s breakfasts..

• Tearfund Big Quiz took place again in November providing a fun and mildly competitive evening in support of the work of Tearfund.

• Safeguarding: Ever mindful of our responsibilities to all who attend the church, we are committed to providing a secure environment for all. In 2025, we published a new safeguarding policy, along with new guidelines for safer practice.

• A Premises committee continued to meet in 2025 to lay the ground for potentially negotiating a new lease on our premises by mid-2026. That group has been hard at work, investigating, researching and holding conversations with our landlords. They have also been attempting to secure the landlords former office for additional kid space, which has involved the drawing up of additional lease documents.

• Our church leaders met for a Leadership Retreat in January, with a particular focus on answering some big questions around how we go deeper as a church, increase the spiritual temperature and engage more people. Those conversations continued in our leadership meetings throughout the year.

• Congregational Meetings:

The leadership of the church consider it vital that the members of our congregation are kept informed of key matters relating to the church’s activities, plans and financial position. There are several events that serve this purpose:

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• AGM: Our annual meeting took place on 14 May 2025 and reports included membership updates, finances, safeguarding and premises, as well as looking back on the past year and forward to the next.

• Worship, Prayer & Vison (WPV): These meetings were held quarterly during the year and included times of worship, news updates, reports on various church ministries, finances and business matters, and usually culminating in the opportunity to pray into the weighty issues affecting the life of the church.

Thanks to Our Dedicated Team:

None of what has been achieved in 2025 would have been possible without the faithful commitment and gifts of our Senior Pastor, Jamie Cox, our staff team – Emma King, Jenny Gilham, and Abbie Grisman – together with the many leaders and volunteers who give their time and energy in service across the life and ministries of the church.

We are also deeply grateful to all who uphold the church through faithful prayer and generous financial giving.

There are many whose quiet service often goes unseen, yet whose contributions are invaluable – those who attend to the carpark and outside spaces, decorate and maintain our rooms and facilities, prepare and serve the much-appreciated coffee after services, welcome and guide us in the car park, coordinate our prayer chain, and faithfully carry out countless other essential tasks. The Trustees express their sincere appreciation to everyone who labours in this work for God’s Kingdom.

Finally, we extend special thanks to Barry & Ann Goldsby, as well as Jeremy Watkins and others, who give countless hours each week to ensure our property remains safe, well cared for, and welcoming, while also helping everything to run smoothly and efficiently.

In Summary…

As we look back on 2025, we do so with grateful hearts and confident optimism. The 20[th] anniversary gave us the chance to reflect on the goodness of God. We also look forward into the future with faith and expectation, knowing that both opportunities and challenges lie ahead. Ultimately, we are thankful to be able to report that the Church continues to be in good health spiritually, growing numerically and stable financially. With talk of quiet revival and a growing spiritual curiosity, we are looking forward to what the Lord purposes for us in 2026. Please join us in praying for significant, stirring encounters, a deeper and stronger walk with the Lord, for you personally and us collectively, and for fresh and imaginative ways to serve the King and His people in the days to come.

RISK ASSESSMENT

All our health & safety policies are reviewed regularly to ensure our procedures and practices comply with current requirements. Assessment of risk features as a standing agenda item and our risk assessment is revisited in detail, both annually and prior to any significant special event. The Trustees do not feel there are any significant risks to the stability of the charity at this time.

FINANCIAL REVIEW

The finances of the church are covered in the accounts section of this report (Pages 13 -17).

It is pleasing to report that the financial state of the church at the close of 2025 was sound. Total Income received by our various funds balanced almost exactly with Total Expenditure for the year.

It should be noted that, as a church, we commit to giving 10% of our total income in supporting local, national and international missions and other organisations and charities, as well as individuals in need in our community. In 2025, we have continued to offer benevolence support where possible, as well as maintaining and, in some cases, increasing our support of various missionary and ministry friends and partners.

Total income in 2025 was 3.7% higher and total expenditure was 7.7% higher than in 2024.

The church has built up some cash reserves which are held to support the costs of our change of premises which is anticipated during 2026.

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RESERVES

The Trustees continued to review the Reserves Policy during 2025 and our current policy is to maintain a cash reserve of, at least, £60 000. This figure is based on three months core expenditure which the Trustees have determined to be acceptable as part of their ongoing approach to sustainability and risk management.

FINANCIAL PLANS FOR 2026

A comprehensive budget process involving all ministries of the church, was again undertaken in late 2025. The Trustees agreed to a 2026 budget that included growth in church. As in recent years the Trustees have again approved a deficit budget, in faith that additional costs will be met by increased giving.

ANTICIPATED MOVE

Our current premise’s lease on our premises is due to terminate in July 2026. The Trustees and Leadership Team are actively seeking God’s direction and considering a number of options for the future in anticipation that we will not be able to renew the current lease and will probably need to move our church home to an alternative, perhaps our own, building. We believe that this change could yield a new, exciting future for our ministry as a church, built on the same mission and ethos that we have enjoyed in the past. Please join us in prayer!

STATEMENT OF TRUSTEES' RESPONSIBILITIES FOR THE ANNUAL FINANCIAL STATEMENTS

The Trustees have prepared the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) and have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities, preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

The Trustees are required to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the income and expenditure, of the charity for that period. In preparing those financial statements, the Trustees are required to:

• select suitable accounting policies and then apply them consistently;

• observe the methods and principles in the Charity SORP;

• make judgements and estimates that are reasonable and prudent;

• state whether applicable accounting standards have been followed, subject to any material departures disclosed and explained in the financial statements;

• prepare the financial statements on an going concern basis unless it is inappropriate to presume that the charity will continue in business.

The Trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to 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 constitution. 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.

Approved by the Trustee Board on 7 April 2026 and signed on its behalf by:

____ _______

R J Keyte P D Johnson Trustee – Church Treasurer Trustee – Church Secretary

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INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES AND THE MEMBERS OF BIDFORD BAPTIST CHURCH IN RESPECT OF THE YEAR ENDED 31 DECEMBER 2025

Respective responsibilities of the Trustees and examiner

The charity's Trustees are responsible for the preparation of the accounts. The charity’s Trustees consider that an audit is not required for this year under section 144 of the Charities Act 2011 (“the Charities Act”) and that an independent examination is needed. It is my responsibility to:

• examine the accounts under section 145 of the Charities Act,

• to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the Charities Act, and

• to state whether particular matters have come to my attention.

Basis of independent examiner’s statement

My examination was carried out in accordance with general directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the Trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters set out in the statement below.

Independent examiner's statement

In connection with my examination, no matter has come to my attention which gives me reasonable cause to believe that in, any material respect:

• accounting records were not kept in accordance with section 130 of the Charities Act or

• the accounts do not accord with the accounting records

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached.

signature

J Till FMAAT ZEST ACCOUNTANCY LIMITED Date 13 April 2026

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Bidford Baptist Church Income and Expenditure Statement for the 12 months ended 31 December 2025

NOTE INCOME Income - Offerings Gift Day Gift Aid Designated Giving Facilities Rental Interest Received Total Income EXPENDITURE Ministry Team 2 Church Ministries 2 Premises 2 Administration 2 Audio Video/Sound Desk 2 Total Expenditure Transfer to Tithe Fund (10%) Tithe Payments made 3 Total Costs NET INCOME for the year OPENING FUND BALANCES for the year Building Fund donation returned CLOSING FUND BALANCES for the year 4	Unrestricted Funds 2025 Restricted Funds 2025 Total 2025 Total 2024
	182 748 - 182 748 172 195 13 145 - 13 145 19 265 38 605 - 38 605 32 831 - 1 200 1 200 1 200 200 - 200 400 2 113 1 262 3 375 4 751
	236 811 2 462 239 273 230 642
	96 941 - 96 941 88 991 12 623 2 011 14 634 9 327 83 684 - 83 684 83 364 9 651 7 089 16 740 11 152 208 - 208 1 106
	203 107 9 100 212 207 193 940 23 927 -23 927 - - - 27 523 27 523 28 312
	227 034 12 696 239 730 222 252
	9 777 -10 234 -457 8 390 131 541 56 179 187 720 179 330 - -9 426 -9 426 -
	£141 318 £36 519 177 837 £187 720

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Bidford Baptist Church Balance Sheet as at 31 December 2025

NOTE CURRENT ASSETS Investments Baptist Union Term Deposits Bank Accounts Lloyds Bank Total Liquid Assets OTHER ASSETS Rent Deposit Total Assets CURRENT LIABILITIES Provisions and Accruals Total Net Assets FUNDS 1&4 Unrestricted Funds General Fund Contingency Fund Building Fund Total Unrestricted Funds Restricted Funds Building Fund (General) Building Fund (Own Building) Tithe Fund Mission Fund Evangelism Fund Children’s & Youth Fund Next Generation Fund Total Restricted Funds Total Funds*	Total 2025	Total 2024
	127 938 29 121
		124 637
		39541
	157 059 26 000	164 178
		26 000
	183 059 (5 222)	190 178
		(2 458)
	£177 837	£187 720
	47 006 24 312 70 000
		107 229 24 312 -
	141 318	131 541
	7 444 1 000 11 484 6 519 978 4 129 4965
		24 232 - 13 442
		6 745
		978
		4 770
		6 012
	36 519	56 179
	£177 837	£187 720

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Bidford Baptist Church NOTES to the accounts for the year ended 31 December 2025

1. ACCOUNTING POLICIES

The accounts have been prepared under the historical cost convention and in accordance with the Statement of Recommended Practice, Accounting and Reporting by Charities (SORP 2005) and applicable accounting standards. The principal accounting policies adopted in the preparation of the financial statements are as follows.

Incoming Resources

Income received from donations and gifts is included in incoming resources when these are receivable. Interest is included when receivable by the Church.

Use of Funds

The Church operates the following unrestricted funds:

• General Fund – This fund is used for any purpose in line with the mission and objectives of the church.

• Contingency Fund – This is a fund set up to provide a reserve for future revenue or capital projects.

• Building Fund – To be used for any of the church’s building needs.

The Church also operates the following restricted funds that have been set aside for specific purposes:

• Building Funds – In addition to the unrestricted fund above, two funds have been established to:

• be used to renovate, refurbish, maintain, extend or repurpose suitable land or premises

• be used to purchase, construct or acquire land or buildings for use by the church

• to enable the church to fulfil its mission, pursue its vision and facilitate its ministries & activities.

• Tithe Fund – A fund set up to manage the church’s commitment to tithing on its income.

• Mission Fund – Fund established to support people connected with the church that wish to enter full time or part time ministry away from the church.

• Evangelism Fund – This fund was set up to reach people outside the church community.

• Children’s and Youth Fund – This fund was set up to provide funds that could be used for the Church’s work with Children and Young People.

• Next Generation Fund – This fund was set up to provide for ministry to the next generation of leaders through the development and training and equipping of next generation candidates.

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Bidford Baptist Church NOTES to the accounts for the year ended 31 December 2025

2. ANALYSIS OF EXPENSES

Ministry Team Salaries and taxes Pension Contributions Ministry Team Expenses Church Ministries Pre-School/Stay & Play Children’s ministry Youth Ministry Catering – Net costs Sundays & Other Premises Premises Rental Lighting & Heating Water Maintenance & Equipment Building Insurance Security, Health & Safety Cleaning and Materials Administration Bank Charges Hospitality, Gifts & Books Insurance - Contents, etc. IT Costs and Licenses Printing and Stationery Professional Fees Sundry Expenses Telephone & Internet Training & Conferences Travel & Accommodation Audio Visual Sound and Vision	Unrestricted Funds 2025 Restricted Funds 2025 Total 2025	Total 2024
	92 964 - 92 964 3 358 - 3 358 619 - 619
		85 633
		2 794
		564
	96 941 - 96 941	£88 991
	597 - 597 2 800 784 3 584 3 489 1 185 4 674 1 000 - 1 000 4 734 42 4 776
		1
		4 240
		2 708
		678
		1 700
	12 620 2 011 14 631	£9 327
	57 505 - 57 505 9 161 - 9 161 621 - 621 2 450 - 2 450 1 220 - 1 220 3 803 - 3 803 8 924 - 8 924
		55 522
		11 428
		645
		4 136
		1 151
		2 769
		7 713
	83 684 - **83 684 **	**£83 364 **
	286 - 286 1 571 - 1 571 786 - 786 4 643 - 4 643 1 091 - 1 091 - 7 089 7 089 1 091 - 1 091 4 - 4 0 - 0 179 - 179
		224
		1 748
		757
		3 602
		469
		792
		954
		1 303
		1 046
		257
	9 651 7 089 16 740	£11 152
	208 - 208
		£1 106

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3. TITHE PAYMENTS

Baptist Missionary Society Baptist Home Mission Fund Missionaries Caring Hands Agape India Open Doors Sundry Donations	Unrestricted Funds 2025 Restricted Funds 2025 Total 2025 Total 2024
	- 0 0 1 200 - 1 680 1 680 1 500 - 15 459 15 459 15 321 - 1 440 1 440 2 200 - 1 200 1 200 600 - 1 680 1 680 1 500 - 6 064 6 064 5 991
	£0 £ 27 523 £ 27 523 £28 312

4. MOVEMENT IN FUNDS

Unrestricted Funds General Fund Contingency Fund Building Fund Restricted Funds Building Fund (General) Building Fund (Own Build) Tithe Fund Mission Fund Evangelism Fund Childrens’ & Youth Fund Next Generation Fund Total Funds*	Balance 1 January 2025 Income Expenses Transfers Balance 31 December 2025
	107 229 236 811 -227 034 -70 000 47 006 24 312 0 0 0 24 312 0 0 0 70 000 70 000
	131 541 236 811 -227 034 0 141 318
	24 232 0 13 442 727 0 23 927 -16 515 0 -25 885 -1 000 1 000 0 7 444 1 000 11 484 6 745 1 412 -1 638 0 6 519 978 0 0 0 978 4 770 143 -784 0 4 129 6 012 180 -1 227 0 4 965
	56 179 26 389 -46 049 0 36 519
	£187 720 £263 200 £-273 083 £0 £177 837

• Note: During the year the Building Fund was split into 3 sub-funds:

• An unrestricted Fund to be used for any building needs or any other general church needs at the discretion of the Trustees.

• A restricted, general building fund for use only for building needs.

• A restricted fund that can only be used in relation to the purchase of the church’s future land and/or buildings.

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