CAMBRAY BAPTIST CHURCH CHELTENHAM LOVE + GROW + GO 2025 ANNUAL REPORT with financial statements for the year ended 31 December 2025 Registered charity number.. 1156858 11111: Idk Cambray Baptist Church, Cambray Place, Cheltenham. GL50 IIS www.cambray.org 01242 584672 office@cambray.org CONTENTS REPORT OF THE TRUSTEES AND ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2025 PAGE ACHIEVEMENTS & PERFORMANCE.... Services and Worship.......................... Community Artivities............................................ Children and Youth Mission.......... Buildings................................... Partnerships.................................................................. Future Plans. STRUCTURE & GOVERNANCE....................................................... .. Staff Team........................................................................................................-............................................................ Trustees................................................................. FINANCIAL REVIEW .. .10 DECLARATION ...........................-................................................................................................................................. li REPORT OF THE INDEPENDENT EXAMINER.................-...........................................................................................-...... 12 STATEMENT OF FINANCIAL ACTIVITIES........................................................................................ .................................. 13 BALANCE SHEET.................................................... ..... ................................................................................................... 14 CASH FLOW STATEMENT.................................................. ......................... ................................................................... 15 NOTES TO THE FINANCIALSTATEMENTS............................. .16 ACHIEVEMENTS & PERFORMANCE The Vision of Cambray Baptist Church is to be those who Love God in every part, to Grow in Him and to Go with the gospel into all the world. We therefore don't look back on the year and look at our income, or our numbers in church, or our range of activities. Rather, we long to see growth in spiritual maturity and Godly character in each person who makes us the church. and we long to see people introduced to Jesus and His love for them. In reflecting on the year past, therefore. wè look to those things that have enabled growth in these areas. 2025 was a year in which we saw greater consolidation compared to the rapid change5 and difficulties of the post-COVID years. The activities restarted in 2023 and 2024 put down deeper roots and. throughout the ministries of the church, there was greater stability. Although we still saw more newcomers. there was less movement than previous years. And we rejoiced in being able to recruit a Church Manager who ha5 been so effective in her role. We saw growth in depth of our internationals work, and a greater sense of family between the 'newcomers' and those who have been among us many years. We saw greater spiritual maturity in many, and there was a sense of being prepared for greater things to come. In the midst of this, there were challenges. Some of these were more hidden initially but came to present particular difficulty towards the end of the year. But, we reco8ni5e that God tells us that it is in our weakness, when we look to Him for strength, only then are we truly strong. Services and Worship This year our weekly attendance wa5 largely unchanged through the year. As a church in an area with high housing costs we always face the challenge of losing young people and families who cannot afford to stay in the area. And the global political situation meant that we lost some of our families who had been sent to work in the UK for a period. However, we also saw newcomers join us, and were grateful to see people who have joined us in the past few years start to serve in various ministries in the chLtrch. We continue to face challenges in some areas of church where particular skills are needed and yet those with these skills are not available. despite the size of the church. However. we were encouraged that retent Leadership Training has meant that some are more ablelwilling to step up to help. We are also encouraged that many of those who stepped in when ministries restarted after COVID have become committed to those areas of servÈce. WORSHIP I GRowfH HIGHLIGHTS JANUARy￿ARCH Week of Prayer Race Week Street Outreach Women's Conference in Bath Leadership Training starts APRIL￿uNE Easter Services Youth Camp JULY-SEPTEMBER Holiday Bible Club Church Away Dav Many Mission Partner5 Wlth u5 in UK Harvest Gift raised >£22,000 OCTO8ER.OECEMBER Missions Sunday Christmas Community Market Christmas Service5 Combniy Christmus Mtsrket Registered charity number.. 1156858 Page 13 Community ActiVTties In 2025 we were pleased to see that the team5 which had been established to lead various ministries in the previous year5 were well 'bedded in, and that people really 'belong' within the teams. We were pleased to be able to replace some who had to step out/move on because of life circumstances, with people willingly stepping in to enable key ministries to continue to run. We continued to see a lot of interest and involvement in the sports-related activities which provide friendship and community to many, and to see good numbers at our spring community Quiz ni8ht. A particular blessing during the year has been the Continuing work among Internationals, with the Conversation Cafe, the International Men's Breakfast and the special events for Internationals all being particularly well attended. Some additional opportunities to meet up were provided for those among the Internationals who wanted to know more about the Christian faith. We were so pleased to see the Youth work contlnue to prosper in all the variou5 groups, even as we have recently'lost, some to University studles in recent years. For some of these Youth Groups we had a considerable leadership change. and we are grateful that new people were able to step in to cover those who had to move out due to employment or family circumstance changes. We were particularly excited to see a new monthly mid-week Children's Club started and are $0 grateful for the new team formed to help run this- it ha5 been very well attended each month. In 2025 we were not able to ft)Ilow-up the opportunity we had to send people to experience overseas Mission work due to both personal circumstances and national px)litical situations. However, the year was not wasted- a lot of preparation was put in place for not one but two Mission Trips in 20261 We look forward to the experiences these teams will have. In our Harvest Offering for 2025 we partnered with a charity working with a community in Uganda. Their work required major rebuilding of their church/community centre, which included a large new roof and new flooring for the expanded facility. Our Hatvest Offering wa5 intended to cover the cost of the roof, but we were able to raise more than our target and this covered the cost of the flooring too. We also had more reports back from the results of the generosity of the church in the Harvest Gifts of 2024 and 2023 Ithe latter towards important work in Tanz3nial, and it was 3 privilege to see how God had used these gifts. COMMUNITY HIGHLIGHTS Our church was open to the community in both the Heritage Open Days in the town and when we provided the Cambray Christma5 Market stalls to provide a shop-front for local small businesses and to draw the community around Cambray Place together. We saw many vi51tors into the church for these events, among others throughout the vear. We continue to partner with Hallowed Grounds to provide the Coffee Cart for the community, and the support provided to many individuaSs through its work is very greatly appreciated. We've not even talked of other are of Community engagement, including our Open Church provision each week. various Sports- related Broups, our weekly Parents and Toddlers group, our Older People'5 Lunch club and the Gateway group. We are so grateful for all who help to provide these arnaiing opportunities for the community and the church. Partnership with Hallowed GroLtnds Coffee Cart Toddlers Group Children's and Youth Clubs Internationals Events jANuARY￿ARCH Community Quiz Race-week Street Work APRIL-JUNE Easter Services JULY4EPTEMBER Summer Holiday Bible Club Heritage Open Days OCTOBER-DECEMBER Christmas Market Christmas se￿Ice5 Registered charity number.. 1156858 Page 14 Children and Youth The lighthouse teams work well together, especially on Communion Sund3y5, when all groups are together. Leaders are encouraged by the children engaging with God's Word and the Activities. Children have also made some lasting friendships during their time together. Pray for the leaders, that we may continue to work well together in Unity. Pray that God will continue to bless this work and that the children may come to know Jesus Christ as their personal Saviour and find Faith irb Him. Monday Youth have had an encouraging year. There has been a core group of regular attendees weekly who have developed a strong friendship groijp. Topics studied included Firm Foundations through I Timothy, Exploring Life with jesus. and Sharing Jesus through the Gospel of John. Over the summer there was a change of leaders running the group, and with many of the young people due to move on in surnmer 2026 there has been and continues to be a focus on tryin8 to ready them for living for Jesus in their adult life, working or at university. The church has been encouraged this year through the start-up of our bfand-new kids ministry called Dangerous Club. Dangerous Club Is a once a monrh, Friday evening children's club for ages 7-11. It is a fa5t- paced, action-packed after school club where children join in with several activities per session, then listen to a short bible-talk. This ministry has been heavily blessed, with a continuously growing core team who are willing to help during our monthly sessions. The number of children attending has also been steadity growing month by month, with approximately 25-30 children per session. CHILDREN & YOUTH HIGHLIGHTS JULY-SEPTEMBER Holiday Bible Club, Youth Weekend Away OCT08ER-DECEMBER Dangerous Club Dongertrus Club Mission In 2025 we continued to financially and prayerfully sUPPOrt 4 Mission Partners whom we sent through Mission Agencies to work in Nigeria. Zambia, Kosovo and Italy. In 2025 we added an additional prayer- supported Mission Partner who is working in Nigeria, and we continue to have other prayer-SUPPOrted Mission Partners who are serving in Tanzania and in a socially needy area of the UK. Many of our Mission Partner5 were able to visit the VK in 2025. We held two Missions Sundays to promote Missions more widely with in the chLJrch fellowship. We were delighted to add an additional person to the Mission Team which promotes Mi551011 Wlthin the church. We donated a wonderful Haryest Thanksgrving of over £22,000. which paid for 3 new roof and the floor in a new building for a church community projert in rural Uganda. enabling education and health care initiatives and providing a large community and church building. MISSION HIGHLIGHTS Closer support for 4 long term Mission Partners Additlonal Prayer-supported Mission Partner Planning for Mission Teams to 2 countries in 2026 Generou5 Harvest Thanksgiving offering Further Expansion of our Mission Team Registered charity number.. 1156858 Pa8e IS Buildings 2025 was a very different year tornpared to recent years in relation to doing thlngs in the church bullding5. Regular maintenance tontinued throughout the year and thank you to all who have helped. During the summer holiday we did the first major aesthetic change to the buildin85 Wlth the stripping and repolishing of Rodney Hall floor. This proved to have its problems and in the following half term we had to redo certain water damaged areas. The floor is now much nearer its original colour and the room much lighter. In the Autumn the second major aesthetic change took place with the replacement of the main church carpet floor tiles. Thank5 to all who helped with the choice of colour. The work took place over two weeks, one for the balcony area and the second for the entrance and main thurch floor. Thanks to all who helped move chairs and many more items. The funding ofthe two main changes came from legary money. 80th aesthetic changes have had positive comments from V15ttor5 and helped the advancement of Gods kingdom. BUILDING HIGHLIGHTS Repolished Rodney Hall Floor Replacement of main church carpets Moin church corpet replocement Partnerships It is a privilege to partner beyond the church at many levels. Within Cheltenham, Cambray Baptist Church is a key member of the Love Cheltenham initiatives for prayer and joint work of the larger churche5 in Cheltenham, 3nd we have been involved in arranging joint church activities throughout 2025. We are also a founding part of the Gloucestershire Gospel Partnership, which brings together churches of similar theological conviction from a broader area, encouraging and training church leaders and seeking ways of providing help for one another in our work. PARTNERSHIP HIGHLIGHTS The members of the church have wide affiliations, some of which have been closely connected with Cambray over many years. We were pleased, this year, to give our Christmas Gift to the Work of the Chaplaincy within the YMCA, an(1 to partner with the vision for that work. We continue to have church members involved in the work of street Pastors, and to collaborate in provision of food and supplies to the Food Bank in Cheltenham. We financially SUPF)Ort the work of UCCF in Universities in the UK, IFES in Universities across the world. and the work of Chrlstlans Agalnst Poverty in Cheltenham. We have also had the privilege of having some refugees housed close to the church and the privilege of some of them worshipping with us. We have provided support and help to a number of these people who have found themselves irs difficult situations, being advocates for them with government agencie5. Three 'Love Cheltenham, joint churches evenings Continued support for Gloucestershire Gospe Partnership Supporting students throLtgh the work of UCCF Christmas Gift to support the new YMCA Chaplaincy Volur4teer5 from the church enabling the work of Street Pastors. CAP, YMCA and Food Bank. Registered charity number: 1156858 Page 16 Future Plans We were grateful for the consolidation of 2025 and the building upon that. which we reported we were expecting in our last Annual Report. We are so grateful for the ongoing volunteer work of so many who enable a broad range of ministries and activities to be run by the church. We are grateful to see the older generations who have served so faithfully over so many years drawing alongside the younger generations who are stepping in to serve the church in the years to come. We have been blessed by consistently growing giving in 202S which has enabled the work of the church to respond to the economic challenges and not be held back. We are so grateful that most of our income is committed monthly giving which is set aside by individuals and is therefore 'predictable' income. This makes planning so much easier. We are also so grateful that this steady income growth has enabled us to plan for the coming 2026 year to Provide additional financial support to some of our Mission Partners who are working in countries where inflations is much more than in the UK and who would otherwise be struggling to survive financiallv. We would have wished 2026 to have been a year of really'stepping ouv into new opportunities. and laying the foundation for future growth. Sadly, in the latter part of 2025 some difficulties have arisen which could considerably threaten development and future opportunities. We are looking to God to enable LSS to work through these difficulties and to build strong foundations for the future. We are encouraged that our God is able to transform what looks impossible to humans into great work for His Kingdom purposes. We are excited by new opportunities to link in with God'5 work Internationally through our Mission Trips this year, and through the greater number of people originally from beyond the UK who are worshipping with us. We are so grateful for a more diverse and international Community. and are excited by the opportunities this will provide in the years to come. We long to see deeper growth in people'5 walk with God and maturity in Him. and are grateful for the many $18n5 of God at work amongst us. These days many of the 'Gen Z, age group are searching for purpose, meaning and love, having lost hope in what society has to offer. This is a time of opportunity, and we long to be in a position to be used by God to see new generations come into living faith in God. bringing hope to others in a world where hope is rare and trouble is ever-present. li Registered charity number.. 1156858 STRucfuRE & GOVERNANCE Cambray Baptist Church, Cheltenham is a Charitable Incorporated Organisation Iregistered on 30 April 20141 and 15 governed by an Approved Governing Document lour Constitution, dated 26106/2013 - see https.'//www.c3mbray.orglresourceslchurch-constitution-and-rules/l. Our registered charity number is 1156858. Our principal purpose is the advancement of the Christian faith according to our Basis of Faith, to include the advancement of education and other general charitable purposes in such parts of the United Kingdom and the world as the church shall determlne. We provide a variety of activities to our congregation and to the wider Cheltenham community. Our vision is that toqether we Ilve Ilves of worshlpi lovlngJesus1 growing In discipleship* ond boldly proclciming Jesus so thot we impart our town, notlon and the worldfDrJesus. OUR OBJECTIVES LOVE - growing daily in love for God GROW - growing daily as disciple- making disciples The organisation's leadership team are the Trustees, comprised of the Pastors, Elders and Deacons, supported by a staff team and a large number of volunteers. Trustees are voted in by the Members of the thurch at a formal meeting. Meetings of the members normally take place four times per year. At a church members, meeting, the Trustees may submit matters to the members for guidance. consideration or decisions. Members can also give notice to raise matters at meetings. Though the Constitution permits decisions to be made at church meetings by appropriate majorities, the Church seeks to work by consensus wherever possible. GO- going daily in bold 8ospel witness Staff Team Hannah Watson Church Manager from January 2025 Church Cleaner untilJuly2025 Rob & Rachael Goldsmith Contratt Cleaners Arom September2025 Geraldine Luffrum Finance Officer Registered charity number.. 11568S8 Pa8e 18 Trustees Alwyn Barry Senior Pastor Tim Martin Associate Pastor Andy Turnbull Children. Youth & Families Pastor Paul Montgomery Elder Colin Barnett Elder Alan Pilbeam Elder Peter Stojanov Elder Church Treasurer David Weeks Pastoral Care until 4, March 2026 George Boyd Small Groups, Lèy Preachers Alex Luffrum Church Secretary until 24th February 2026 Andrew Chan Welcome, Newcomers, Membership lan Parsons Fabric Re8lStered charity number.. 1156858 Pa8e 19 FINANCIAL REVIEW The church raises its own funds it needs to carry out Its artivities from within its own congregation and membership. The church also expresse5 Its part in the life of the wider church, by making grants to national and international Christian organisations and societies, with Christian aims and objectives compatible with the church's own charitable purpose. The church is heavily dependent on its congregation working as volunteers in all aspects of our activities, many of which run with no or little impact on the churth's expendrture, but nevertheless contribute substantially to the achievement of the church's objectives and to the public benefit. Net income for the year is £56.77312024 £42,538), benefiting from legacy income of £70,28012024 £26,540). The Cottage, Number 10 Rodney Road is being let out for rentsl income and its value a5 an investment property a5 required by the accounting standard is £465,500. The trustees have agreed on a reselves policy to maintain a balance in the General fund of at least 3 months of regular outgoings, plus an additional 3 months of Salaries and mission partner *undin8. Based on the accounts this is £143,000. At the 31st December 2025 the balance in the General Fund was £200,828. Major rep1a￿rnent expenditure, including capitalised, was incurred on church carpets £16,950, Rodney Hall floor and markings £14.480, keyboard £3,723, Rodney Hall tables and chairs £2.450. RISKS The main financial risks to the thurch are.. INFLATION ANO COST OF UVING - this will affect the costs of operating the church, e.g. heating and insurance bill increases. and as rnembers of the congre8ation might face a tl8htenlng of flnances, there is the possibility that 8ivin8 could reduce. MAINTENANCE OF OUR PREMISES- The fabric team monitor and maintain the premises to a high standard and work to a list of priorities for maintenance as well as responding to urgent needs. Registered charity number.. 1156858 Page 110 DECLARATION The Trustees declare that they have approved the Trustees. Report above. Slgned on behalf of the charitrls Trustees. Signatures Full Names Peter Stojanov lan Parsons Posltlon Treasurer Trustee (Acting Church Secretary) Date /41 Registered charity number.. 1156858 Pa8e 111 REPORT OF THE INDEPENDENT EXAMINER I report on the financial statements of Cambray Baptist Church, Cheltenham for the year ended 31 December 2025 which comprise the Statement of Financial Activities, the Balance Sheet, the Cash Flow Statement and the related notes I to 19. Respectlve responslbllltles of Trustees and Examlner The charity's Trustees are responsible for the preparation of the financial statements. The charitvs Trustees consider that an audit is not required for this year under section 144 of the Chaflties Act 2011 Ithe Charities Act) and that an independent examination is needed. It is my responsibility to- examine the financial Statements under section 145 of the Charities Act, to follow the procedures laid down in the general Directions given by the Charity Commission (under section 1451Sllbl of the Charities Act. and to state whether particular matters have come to my attention. Basis of Independent Examlnerfs 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 financial statements presented with those records. It also includes consideration of any unusual items or disclosures in the financi31 statements, and seeking explanations from the Trustees concerning any such matter5. The procedures undertaken do not provide all the evidence that would be requirèd in an audit, and conseqLtently, I do not express an audit opinion on the accounts. Independent Examlner's statement In connertion with my examination, no matter has come to my attention which gives me reasonable cause to believe that in, any material respect, the requirements: to keep accounting records in accordance with section 130 of the Charities Act: and to prepare financial statements whith accord with the accounting records and comply with the accounting requirements of the Charities Act have not been met. Slznature oPGloX> C Full narne Steven Pascoe Quallficatlon ACMA Date 11/