2021-12-31-accounts

Trustees' Annual Report for the period

Period start date Period end date Day Month Year Day Month Year From 1st January 2021 To 31st December 2021

Section A Reference and administration details

Charity name Other names charity is known by Registered charity number (if any) 1157857

Stowmarket United Reformed Church

Charity's principal address Ipswich Street

Stowmarket Suffolk Postcode IP14 1AD

Names of the charity trustees who manage the charity

1. 2 3 4 5 6 7 8 9 10 11 12 13	Trustee name	Office (if any)	Dates acted if not **for whole year **	Name of person (or body) entitled to appoint trustee (ifany)
	The Revd Robert Sheard	Chair		Church Meeting
	Miss Anne Scarff	Secretary		Church Meeting
	Mrs MaryDurrant	Assistant Secretary		Church Meeting
	Mrs Janet Webb			Church Meeting
	Mrs Helen Freeman			Church Meeting
	Mr John Webb			Church Meeting
	Mrs Jane Gurney			Church Meeting
	Mrs Margaret Jackson			Church Meeting
	Mrs Joyce Gardiner			Church Meeting
	Mr Michael Martin			Church Meeting
	Mrs Lois Muller			Church Meeting
	Mr Keith Scarff			Church Meeting
	Mrs Linda Baxter			Church Meeting

Names of the trustees for the charity, if any, (for example, any custodian trustees)

	Name	Dates acted if not for whole year
	Eastern Synod URC

Names and addresses of advisers (Optional information)

Names and addresses of advisers (Optional information)	Names and addresses of advisers (Optional information)	Names and addresses of advisers (Optional information)
Type of adviser Name Address
Independent examiner	Lorraine Baker	32 Chillton Avenue, Stowmarket IP14 1LB

Name of chief executive or names of senior staff members (Optional information)

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Section B Structure, governance and management

Description of the charity’s trusts

Type of governing document Constitution

• (eg. trust deed, constitution)

How the charity is constituted

• Trust

• (eg. trust, association, company)

Trustee selection methods Elected by Church Members at Church Meeting. (eg. appointed by, elected by)

Additional governance issues (Optional information)

You may choose to include additional information, where relevant, about:

• policies and procedures adopted for the induction and training of trustees;

• the charity’s organisational structure and any wider network with which the charity works;

• relationship with any related parties;

• trustees’ consideration of major risks and the system and procedures to manage them.

Activities of the church are overseen by the Elders’ Meeting of the Church in accordance with the provisions of The Structure of the United Reformed Church determined by the General Assembly of the United Reformed Church and supplemented by the Stowmarket URC constitution.

The Elders’ Meeting is responsible for the financial administration of the Church, the care and maintenance of Church premises and the manse. The Elders report to the Church Meeting (all church members are entitled to attend) which has overall decision making and gives general guidance on the life and work of the Church.

Groups (Buildings, Community and People, Discipleship, Finance, Publicity and Promotion) look at aspects of church matters and report to the Elders meeting. From July 2021 new groups were agreed to supersede the previous groups and oversee the life of the church, namely: Buildings, Finance, Spirituality and Social/Outreach with Fundraising.

The Finance Group review financial practice using guidance from Charity Commission. A Financial review was held in November 2021 based on cc8.

The Elders of the church are Church Members and Trustees. Elders normally serve a 3year period and then are able to be re-nominated. All Elders, and therefore Trustees, are nominated by Church Members and elected at a Church Meeting.

The Minister is a Trustee and is the Chair of both Elders and Church meetings.

The Church is a congregation of the United Reformed Church.

All major insurable risks are subject to normal churches’ and employees’ insurance.

An annual review of the Safeguarding policy is carried out and our procedures are certificated by SAFEcic.

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Section C Objectives and activities

Summary of the objects of the charity set out in its governing document Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)

The object of the Charity is the advancement of the Christian faith for the benefit of the public in accordance with the Scheme of Union of the United Reformed Church.

The Trustees have regard to the guidance by the Charity Commission on Public Benefit. The Charity is a Public benefit Entity - we are set up to benefit the general public. Our activities include: Providing regular public worship for all. Promoting the Christian Faith. Teaching the faith to all ages. Providing training, nurture and activities for children and young people. Serving the community. Giving pastoral care and support to members and others in need, particularly those in sickness, distress or poverty. Providing premises and resources for community groups and activities. We are not aware of any detriment or harm resulting from the implementation of our purposes. We have one Trustee who is employed by the church as an Administrator. The role pre-dates her appointment as Trustee. At times during the year she was furloughed and claims were made under the Coronavirus job retention Scheme. Our Minister is paid expenses incurred in the fulfilment of his ministry. Otherwise, no Trustee benefitted from work at the church and there were no personal benefits paid to Trustees. .

Additional details of objectives and activities (Optional information)

You may choose to include further statements, where relevant, about:

• policy on grantmaking;

• policy programme related investment;

• • contribution made by volunteers.

The Coronavirus pandemic impacted all the activities of the church. Our Covid -secure procedures closed the building, except for worship, for parts of the year for the general public.

We rely on volunteers for our activities. These run our Fund Raising activities.

We do not offer grants.

We regularly review our finances to maximise them.

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Section D	Achievements and performance
Summary of the main achievements of the charity during the year
	We provided regular Public Worship for all. The worship is led by trained ministers, or lay people who adhere to the central messages of the Christian faith. While in lockdown services were on Zoomed to those able to receive the service. We continue to offer a zoomed service now we are back in church. We promoted the Christian faith. When we were able we taught the Faith to all ages through Services, Meetings, Bible study groups, and Children’s Activities. Children’s activities include: Family Church, “Messy Church” and “Open the Book”, the latter involves a group from the Church enacting Bible stories at some of the local Primary Schools. Unfortunately Open the Book has been severely curtailed due to Covid. We served the Community by providing opportunities for quiet reflection when we were able to do so.. We provided a location for baptisms, weddings and funeral services, irrespective of whether the individuals have strong Christian beliefs, or not. We supported the Stowmarket Food Bank. We provided a venue for a Charity Christmas day dinner which was taken to those on their own. Except during lockdown or Plan B arrangements we provide opportunities for the community to come together over refreshments. We continued to give pastoral care and support to members and others in need, particularly those in sickness, distress, or poverty When we were able to be open we provided premises and resources for community groups and activities. The Church allowed local schools, a Dance School, Choirs, U3A, and other organisations to use part(s) of the church premises. Organisations hired part of the premises for a variety of events and activities. A number of Concerts have been held on our premises. Most of our main fund raising events have had to be cancelled. Some Charity enterprises were offered facilities free of charge or at a reduced rate.

Section E Financial review We retain £10,000 in our accounts as reserves to meet unexpected Brief statement of the demands of a general nature. charity’s policy on reserves Designated funds are held for :Growth; Improvement; Projects; Building; Commitment for Life; Organ; and Pirmasens. In addition we have historic Restricted funds for Local Needs Benevolent; Coupland; Foord; Details of any funds materially NONE in deficit Further financial review details (Optional information)

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You may choose to include additional information, where relevant about:

• the charity’s principal sources of funds (including any fundraising);

• how expenditure has supported the key objectives of the charity;

The principal sources of income are through free will offerings, hire of premises and fundraising. During this financial year we have not always been able to hire out our building on so many occasions as pre-covid

A proportion of our income (approx. 1/3[rd] ) is used exclusively for Ministry and Mission within the wider URC.

We use CAF banking for deposits.

• investment policy and For 2021 Income was £83,586 and expenditure £91,207. Covid continued to impact on our income resulting in Reserves being used.

• objectives including any ethical investment policy adopted.

Section F Other optional information

During the year a new camera was installed to enhance the experience on Zoom and on the screens in church.

Some plans for the year have been curtailed due to the ongoing presence of covid. A number of activities usually evident during the year have not been possible.

During the year we reviewed our banking arrangements and made some changes to ensure we gained maximum benefit from our finances.

The Finance Groups reviewed the financial arrangements of the church and made some adjustments to our procedures which were shared with the Elders. One improvement will be a monitoring of our finances against our budget on a more regular basis.

Despite a loss in income we are a going concern.

Section G Declaration

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Full name(s) Anne Maureen Scarff Position (eg Secretary, Chair, Secretary etc) Date 14/03/2022

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Stowmarket URC Charity, Registered Charity No 1157857

Stowmarket United Reformed Church

Ipswich Street

Stowmarket

Suffolk, IP14 1AD

End of Year Financial Statements

Year ending 31[st] December 2021

Accounts based on Accrual Accounting FRS102 SORP 2015

The accounts are prepared in accordance with Charity Law by Ann Waller, Church Treasurer, January 2022

The United Reformed Church Stowmarket - 1157857

Statement of Financial Activities

For the period from 01 January 2021 to 31 December 2021

	Unrestricted	Restricted	Endowment
	funds	funds	funds	2021	2020
Income and endowments from:
Donations and legacies	40,970	—	—	40,970	37,629
Other trading activities	10,055	—	—	10,055	7,916
Investments	4,181	—	—	4,181	4,382
Other income	28,379	—	—	28,379	5,337
Total income	83,586	—	—	83,586	65,266
Expenditure on:
Raising funds	—	—	—	—	45
Expenditure on charitable activities	37,572	413	—	37,986	50,737
Other expenditure	53,221	—	—	53,221	50,188
Total expenditure	90,793	413	—	91,207	100,970
Net income / (expenditure) resources before transfer	(7,207)	(413)	—	(7,620)	(35,704)
Transfers
Gross transfers between funds - in	10,000	—	—	10,000	33,010
Gross transfers between funds - out	(10,000)	—	—	(10,000)	(33,010)
Other recognised gains / losses
Net movement in funds	(7,207)	(413)	—	(7,620)	(35,704)
Reconciliation of funds
Total funds brought forward	188,225	12,476	—	200,702	236,406
Total funds carried forward	181,018	12,063	—	193,081	200,702

Statement of Cashflows has not been included, as they are not required due to thresholds.

There are no related party transactions

There may be minor discrepancies in the totals if the pence are not being shown

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The United Reformed Church Stowmarket - 1157857

Statement of Financial Activities

For the period from 01 January 2020 to 31 December 2020

----- Start of picture text -----
Unrestricted Restricted Endowment
Prior year
funds funds funds 2020 2019
Income and endowments from:
Donations and legacies 37,592 37 — 37,629 37,906
Other trading activities 7,916 — — 7,916 25,629
Investments 4,382 — — 4,382 4,476
Other income 15,337 — — 15,337 62,445
Total income 65,229 37 — 65,266 130,457
Expenditure on:
Raising funds 45 — — 45 595
Expenditure on charitable activities 50,444 293 — 50,737 99,664
Other expenditure 50,188 — — 50,188 43,680
Total expenditure 100,677 293 — 100,970 143,940
—
Net income / (expenditure) resources before transfer (35,448) (256) (35,704) (13,483)
Transfers
Gross transfers between funds - in 21,010 12,000 — 33,010 47,293
Gross transfers between funds - out (33,010) — — (33,010) (47,293)
Other recognised gains / losses
Net movement in funds (47,448) 11,743 — (35,704) (13,483)
Reconciliation of funds
Total funds brought forward 235,674 732 — 236,406 249,890
Total funds carried forward 188,225 12,476 — 200,702 236,406
----- End of picture text -----

Statement of Cashflows has not been included, are not necessary due to thresholds.

There are no related party transactions

There may be minor discrepancies in the totals if the pence are not being shown

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The Unlted Refonned Church Stowmarkot - 1157857 Balance 8he•l (Summary) AS al: 31 Dec¢mber 2021 AS at3111212021 As •t 3111212020 FLK•d s•8ts Tanoble 31,754 31,7S4 3.751 1S9.504 Cash at bonk and In hand 165.559 163,258 189,180 Credth.. Amounts lol4ng In t￿8 y•ur 232 N•tcurrwrt asmts l••B ¢urr•nt lo￿11￿1•# 163.117 188.947 Tot•1 ••H¢• l••$ ¢wr•nt I1•bIl￿ 193m1 200.702 Totsl n•t •JMts l•A• Il•bllltl•s 193m1 21x1.702 R•pr••mtsd by Unre•trl¢t•d. G•rw•l ftmd 30,891 19,473 D••lgnt•d at•d- Inyrovem•nt Fund DI￿L￿tatI0- prO￿¢t Fund oted- Houghley Fund De￿•te0. Growth Fund ated- Comnytm•nt for Ul• Fund ated- Plrm•tyens Fund kYtatsrt- Qrgan Fund atd- PMtor•t¢ Fund 7.807 148,273 1>,163 8,500 8.500 494 4,377 494 4,377 1,498 R•8trlct•d- Local Ne•th B•n•vol•nt Fund Reslrtct8d- CouplaThd Fund R•8lrictod- Foord Fund 231 9,831 231 102C Funds of th• 193m1 200,702 Noto.. Tnths 4wrnodt￿k Restrid8d end De8wn Funds arn ¢on¥rt Signodonljehalfoflho Tntstw ... ......................................... .. Date....14, J z <...a./. Revd.. Robert she&￿ Cheimn Pap2

The United Reformed Church Stowmarket - 1157857

Statement of Assets and Liabilities (by code) As at: 31 December 2021

Class and nominal code	General	Designated	Restricted	Endowment	2021	2020
Fixed assets - Tangible assets
Balcony Rails	—	1,059	—	—	1,059	1,530
Staging	—	849	—	—	849	1,212
Kitchenette	—	11,995	—	—	11,995	13,494
New Church Chairs	—	3,043	—	—	3,043	4,869
HP Photocopier	824	—	—	—	824	1,406
Church Technology	—	6,930	—	—	6,930	9,241
New Church Microphone and	—	5,261	—	—	5,261	—
Camera
Total	824	29,139	—	—	29,964	31,754
Current assets - Cash at bank and in hand
CAF General Cash Account	(129,770)	118,322	12,448	—	1,000	650
CAF Gold Account	70,724	—	—	—	70,724	163,144
CAF Pastorate Account	—	2,644	—	—	2,644	1,498
TSB Petty Cash Account	414	20	(299)	—	135	266
TSB Business Instant Access	85,000	—	—	—	85,000	—
Savings
Total	26,368	120,987	12,148	—	159,504	165,559
Current assets - Debtors
Z05 Accounts Receivable	3,751	—	—	—	3,751	3,620
Total	3,751	—	—	—	3,751	3,620
Liabilities - Agency accounts
6699 Agency collections	—	—	85	—	85	—
Total		—	85	—	85	—
—
Liabilities - Creditors: Amounts falling due	in one year
Z04 Accounts Payable	53	—	—	—	53	232
Total	53	—	—	—	53	232
Net total	30,891	150,127	12,06	—	193,081	200,702
assets			3

There may be minor discrepancies in the totals if the pence are not being shown

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The United Reformed Church Stowmarket - 1157857

Analysis of income and expenditure Selected period: 01 January 2021 to 31 December 2021

Income Income and endowments Donations and legacies Local Needs Benevolent Fund Donations Received Donations allocated to Specific Funds Freewill Offering Gift Day Legacies Received Commitment for Life Donations and legacies Totals Other trading activities Coffee Mornings Premises Letting Special Fund Raising Events SHCT (Cycle Ride) Other trading activities Totals Investments Int on Manse account at Synod Int on TSB Business Instant Access Interest on CAF Gold a/c Yaxley Trust Investments Totals Other income Church Projects Income Funerals HMRC Job Retention Scheme Income Tax Gift Aid Refund Loss of 2020/21 Income Insurance Claim Magazines Miscellaneous Income Pastorate Group Income Transfers from Pastorate Other income Totals Income and endowments Grand totals	Unrestricted Designated Restricted Endowment 2021 2020
	— — — — — 37 1,560 — — — 1,560 2,418 270 — — — 270 12 34,593 — — — 34,593 34,779 4,234 — — — 4,234 247 — — — — — 10 — 312 — — 312 125
	40,657 312 — — 40,970 37,629 1,207 — — — 1,207 1,384 8,090 — — — 8,090 6,107 624 — — — 624 277 132 — — — 132 147
	10,055 — — — 10,055 7,916 3,737 — — — 3,737 3,644 88 — — — 88 — 12 — — — 12 156 342 — — — 342 582
	4,181 — — — 4,181 4,382 — 1,500 — — 1,500 — 240 — — — 240 120 3,507 — — — 3,507 5,152 7,744 — — — 7,744 7,724 7,700 — — — 7,700 — 25 — — — 25 7 10 — — — 10 15 — 6,806 — — 6,806 2,318 845 — — — 845 —
	20,073 8,306 — — 28,379 15,337
	74,967 8,618 — — 83,586 65,266

There may be minor discrepancies in the totals if the pence are not being shown

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Expenditure

Unrestricted

Designated

Restricted

Endowment

2021

2020

Raising funds S03 - Special Fund Raising Events Raising funds Totals Expenditure on charitable activities Church Office Local Needs Benevolent Fund Church Projects Expenditure Church Publicity Donations Made Donations allocated to specific funds Foord exp Manse Costs not shared from 1/10/12 Ministerial Costs/Expenses Miscellaneous Exp Organ & Piano Upkeep Organist Premises Water Pulpit Supply Heating Repairs Premises Cleaning Premises Electricity Premises Fire Precautions Premises Repair Premises Heating Premises Telephone/Broadband Salaries Commitment for Life Worship Miscellaneous Youth and Children Expenditure on charitable activities Totals Other expenditure Bank Charges Depreciation Employee Income Tax Paid Haughley Fund Transfers Insurance Ministry & Mission fund Pastorate Group Expenditure Transfers to Pastorate account Other expenditure Totals Expenditure Grand totals	— — — — — 45
	— — — — — 45 705 — — — 705 932 — — 44 — 44 50 — — — — — 5,915 — — — — — 79 152 — — — 152 150 20 — — — 20 12 — — 368 — 368 243 669 4,800 — — 5,469 9,110 1,365 — — — 1,365 682 173 — — — 173 570 260 — — — 260 — 735 — — — 735 665 929 — — — 929 502 553 — — — 553 509 710 — — — 710 — 474 — — — 474 416 1,638 — — — 1,638 3,718 844 — — — 844 648 4,435 — — — 4,435 8,796 7,551 — — — 7,551 5,859 1,012 — — — 1,012 1,222 9,436 — — — 9,436 9,702 — 312 — — 312 125 623 — — — 623 630 169 — — — 169 196
	32,460 5,112 413 — 37,986 50,737 98 — — — 98 60 581 6,470 — — 7,052 7,799 490 — — — 490 530 — — — — — 400 4,840 — — — 4,840 4,571 30,852 — — — 30,852 33,020 — 5,660 — — 5,660 2,398 4,226 — — — 4,226 1,408
	41,090 12,130 — — 53,221 50,188
	73,550 17,243 413 — 91,207 100,970

There may be minor discrepancies in the totals if the pence are not being shown

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Paid employees

Staff Costs

Salaries and wages Social security costs Pension costs (defined contribution scheme) Other employee benefits Total staff costs	This year £	Last year £
	9927	9703
	0	0
	0	0
	0	0
	9927	9703

Band	Number of employees
£2000 to £6000	1
£6000 to £10,000	1

Average head count in the year The parts of the charity in which the employees work		This year Number	Last year Number
	Fundraising	-	-
	Charitable Activities	0.62	0.62
	Governance	-	-
	Other	-	-
	Total	0.62	0.62

HMRC Job Retention Grant Received to cover period 1[st] January to 31[st] July 2021 was £3507.96. This was passed on to the employees in line with HMRC instructions.

The church used the services of one part-time cleaner to clean the premises, and a part-time Church Administrator to run the Church Office.

We do not run a defined contribution Pension Scheme

Trustee expenses.

There was no trustee’s remuneration in the year ended 31[st] December 2021

Fees for examination of the accounts

The independent examiner fees.

Independent examiner’s fee	2021	2020
	150	150

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Tangible Fixed Assets

At the beginning of the year 1/1/2021 Additions Revaluations Disposals Transfers At end of the year 31/12/2021 Basis* Rate At beginning of the year 1/1/2021 Disposals Depreciation At end of the year 31/12/2021 Net book value at the beginning of the year Net book value at the end of the year 2021	Freehold land & buildings £	Fixtures, fittings and equipment £	Total £
	75495	50345	125840
	0.00	5262	5262
	0.00	0.00	0.00
	0.00	0.00	0.00
	0.00	0.00	0.00
	75495	55607	131102
	SL	SL	SL
	10%	10% &20%	10% & 20%

equipment, it must add significantly to the existing

overall value of the church premises, or have a significant immediate realisable value.

1. The Freehold and contents in the Church in Ipswich Street.

2. The Freehold of the Manse in Temple Road.

3. £117k invested by the Synod in COIF Bank. (The income alone is expendable, allowable by existing

URC policy- may be subject to change).

The church does not have a policy for revaluation of assets .

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Debtors and prepayments

Please complete this note if the charity has any debtors or prepayments.

Analysis of debtors Trade debtors Prepayments and accrued income Other debtors Total	2021 £	2020 £
	0.00	0.00
	1194	1141
	2558	2480
	3752	3621

Creditors and accruals

Please complete this note if the charity has any creditors or accruals.

Analysis of creditors

Bank loans and overdrafts Accruals and deferred income Taxation and social security Other creditors Total	Amounts falling due within oneyear	Amounts falling due within oneyear
	2021 £	2020 £
	0.00	0.00
	0.00	0.00
	0.00	0.00
	53	232
	53	232

There is no Security over assets:

Endowment and Restricted Funds

The church has no Endowment Funds

Grant-making policy

Grants made to institutions in a given year are agreed at a Church Meeting.

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Benevolent Collections for other Charities 2021

The figures below are not included in the Main Accounts. They are classed as Agency Collections as the church collection is on behalf of charities.

Boys Brigade & Girls Assn 106.00 East Anglian Air Ambulance 143.37 EACH 313.10 SHCT 265.00 Homestart 168.00 Stowmarket Food Bank 112.00 YANA 33.00 Bible Society 104.28 Tools with a Mission 30.00 Total £1274.75

Note: These are funds received and paid to the charities above by the Stowmarket URC Charity during 2021.

SToWmARK￿ UNrrED REFORMED CHURCH INDEPENDENT EXAMINERS REPORT I report to the trustees on my eXami￿tion of the accounts of the Stownwket United Refornied ￿UrCh (the Trust) for the year ended 31* December ￿21. ResponsibAlities and Basis of Report As the ch￿lty trustees of the Tntst you are resE￿Ible for the preparation of the accounts An accordance wlth the requirements of the Charities Art 2)11 ('the Act,). I report in respert of my examination of the Trust's accounts carried out under sKtion 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Ciwity Conunwion wKler section 145(5)(b) of the Act. Independent Exanthierf8 Statement I have completed my exaMI￿tion. I confirni that no material Jnatters have come to my attention in contwtion with the exami￿tion giving me cause to believe that in any nwterial respect: l. accounting reconts were not kept in re5￿t of the Trust as required by section of the Act; or 2. the accounts do not accord with those records: or 3. the accounts do not comply with the applicable requirements co￿ernIng the forni and content of accounts set out in the (Tharities (Accounts and Re￿rts) Regulations 2(KB other than any requirement that the accounts give a'true and fair view which is not a n￿tter congidered as part of an independent examirwtio I have no concerns and have come across no other matters in connection with the exami[￿tion to which altention should ￿ drawn in this report in order to enable a proper understanding of the accounts to ￿ reached. Signed: Address: 32 Chilton Avenue StownLqrket Suffolk IP14 ILB Date: 301(￿12￿22