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2022-12-31-accounts

Charity number: 1157914

THE BEREAN PUBLISHING TRUST CIO

UNAUDITED

TRUSTEES' REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31 DECEMBER 2022

THE BEREAN PUBLISHING TRUST CIO

CONTENTS

Page
Reference and administrative details of the charity, its Trustees and advisers 1
Trustees' report 2 - 5
Independent examiner's report 6 - 7
Statement of financial activities 8
Balance sheet 9
Notes to the financial statements 10 - 21

THE BEREAN PUBLISHING TRUST CIO

REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS FOR THE YEAR ENDED 31 DECEMBER 2022

Trustees Mr M Garstang Mr H Tan Mr A Falisi Mr A Taylor Mr P Ambrose Charity Registered Number 1157914 Principal Office 52A Wilson Street London EC2A 2ER Contact Address 4 Orchard Avenue London N20 0JA Independent Examiner Streets LLP Tower House Lucy Tower Street Lincoln LN1 1XW Bankers Barclays Bank plc Leicester LE87 2BB Lloyds Bank plc PO Box 1000 BX1 1LT

Page 1

THE BEREAN PUBLISHING TRUST CIO

TRUSTEES' REPORT FOR THE YEAR ENDED 31 DECEMBER 2022

The Trustees present their annual report together with the financial statements of the charity for the year year 1 January 2022 to 31 December 2022.

Objectives and activities

a. Values

Our values are:

b. Vision

We seek to encourage the public to read the Bible themselves and make up their own minds about the Truth revealed within its pages.

c. Activities undertaken to achieve objectives

The main activities of the charity are to provide and arrange for the teaching and exposition of the Word of God and the conduct of the worship of God and the holding of services, meetings and classes for the purpose of the study and teaching of the Holy Scriptures.

Achievements and performance

a. Review of activities including key performance indicators

The day-to-day correspondence, production of the quarterly magazines, regular and special services have been maintained by the Chapel Minister and Distribution Secretary with help from the Trustees and others.

The charity received total income of £54,005 (2021 - £92,894). The net expenditure over income reported before investment gains was £57,611 (2021 - £6,975).

Total funds as at 31 December 2022 are £3,632,085 (2021 - £3,671,767).

Page 2

THE BEREAN PUBLISHING TRUST CIO

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Achievements and performance (continued)

b. Investment Performance

The return on gilts in the period was in line with the coupon value of investments held.

Dividends income received from investments totalled £33,291 (2021 - £32,344).

Overall the investment valuation for the year ended 2022 decreased by £94,071 (2021 - increased by £59,006).

During the year, the Trustee's disposed of one property resulting in a small gain on disposal of £12,000 shown within the net gains on investments figure in these accounts. The remaining investment property valuation increased by £100,000 due to the Trustees' revaluing in line with estate agent valuations on the basis of current market values.

Financial review

a. Going concern

After making appropriate enquiries, the Trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the financial statements. This takes account of the potential impact the current pandemic may have on the charity.

b. Reserves policy

The charity needs short-term reserves to cover any shortfall in cashflow due to the variable nature of donations, free will offerings and bequests. It also requires long-term reserves to reduce the impact of Quinquennial maintenance costs to the Chapel.

In considering the appropriate level of reserves the trustees took into account key areas of financial risk. The Trustees consider a prudent level of reserves to be approximately 12 months of operating costs of £90,000. Cash reserves are in excess of this at year end. The Trustees are currently reviewing the reserve position.

Structure, governance and management

a. Constitution

The principal objective of the charity is to advance Christianity in accordance with the basic tenets set out in the schedule hereto by holding services, meetings and classes for the study and teaching of the Holy Scriptures or through the publication and distribution of literature to enlighten the public about Christianity.

The Berean Publishing Trust CIO is a registered charity, number 1157914, and is constituted under a CIO - Foundation.

b. Methods of appointment or election of Trustees

The management of the charity is the responsibility of the Trustees who are elected and co-opted under the terms of the CIO - Foundation.

Page 3

THE BEREAN PUBLISHING TRUST CIO

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Structure, governance and management (continued)

c. Organisational structure and decision-making policies

The Board of Trustees, who meet twice a year, administers the charity. The Chairman provides overall leadership, whilst the charity secretary is responsible for the day-to-day operation of the charity.

d. Pay policy for key management personnel

One of the Trustees is a paid employee of the charity. Consent to the employment of the Trustee was obtained from the Charity Commission.

Salaries are reviewed on an annual basis by the Chairman and any amendments approved.

e. Related party relationships

An individual connected to a Trustee is a paid employee of the charity. Consent to the employment of the individual was obtained from the Charity Commission. Details of the salary paid to the individual are disclosed in note 19 of the financial statements.

Plans for future periods

These will consist in maintaining our commitments to upholding the fundamentals upon which our charity has been established.

Page 4

THE BEREAN PUBLISHING TRUST CIO

TRUSTEES' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

Statement of Trustees' responsibilities

The Trustees are responsible for preparing the Trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England & Wales requires the Trustees 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 its incoming resources and application of resources, including its income and expenditure, for that period. In preparing these financial statements, the Trustees are required to:

The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and 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 CIO - Foundation. 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 order of the members of the board of Trustees on 25 October 2023 and signed on their behalf by:

................................................

Mr M Garstang

(Chair of Trustees)

Page 5

THE BEREAN PUBLISHING TRUST CIO

INDEPENDENT EXAMINER'S REPORT FOR THE YEAR ENDED 31 DECEMBER 2022

Independent examiner's report to the Trustees of The Berean Publishing Trust CIO ('the charity')

I report to the charity Trustees on my examination of the accounts of the charity for the year ended 31 December 2022.

Responsibilities and basis of report

As the Trustees of the charity you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the 2011 Act').

I report in respect of my examination of the charity's accounts carried out under section 145 of the 2011 Act and in carrying out my examination I have followed the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

Your attention is drawn to the fact that the charity has prepared the accounts in accordance with 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) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice issued on 1 April 2005 which is referred to in the extant regulations but has been withdrawn.

I understand that this has been done in order for the accounts to provide a true and fair view in accordance with the Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January 2015.

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the charity as required by section 130 of the 2011 Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'true and fair' view which is not a matter considered as part of an independent examination.

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

Page 6

THE BEREAN PUBLISHING TRUST CIO

INDEPENDENT EXAMINER'S REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2022

This report is made solely to the charity's Trustees, as a body, in accordance with Part 4 of the Charities (Accounts and Reports) Regulations 2008. My work has been undertaken so that I might state to the charity's Trustees those matters I am required to state to them in an Independent examiner's report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the charity and the charity's Trustees as a body, for my work or for this report.

Signed: Robert Anderson BSc FCA

Dated: 26 October 2023

Streets LLP Tower House Lucy Tower Street Lincoln LN1 1XW

Page 7

THE BEREAN PUBLISHING TRUST CIO

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2022

Note
Income from:
Donations and legacies
2
Charitable activities
3
Investments
4
Total income
Expenditure on:
Charitable activities
Total expenditure
Net expenditure before net gains on investments
Net gains on investments
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Unrestricted
funds
2022
£
14,772
4,275
34,958
54,005
111,616
111,616
(57,611)
17,929
(39,682)
3,671,767
(39,682)
3,632,085
Total
funds
2022
£
14,772
4,275
34,958
54,005
111,616
111,616
(57,611)
17,929
(39,682)
3,671,767
(39,682)
3,632,085
Total
funds
2021
£
51,985
7,265
33,644
92,894
99,869
99,869
(6,975)
184,006
177,031
3,494,736
177,031
3,671,767

The Statement of financial activities includes all gains and losses recognised in the year.

The notes on pages 10 to 21 form part of these financial statements.

Page 8

THE BEREAN PUBLISHING TRUST CIO

BALANCE SHEET AS AT 31 DECEMBER 2022

Note
Fixed assets
Tangible assets
9
Investments
11
Investment property
10
Current assets
Stocks
12
Debtors
13
Cash at bank and in hand
Creditors: amounts falling due within one
year
14
Net current assets
Total assets less current liabilities
Net assets excluding pension asset
Total net assets
Charity funds
Restricted funds
15
Unrestricted funds
15
Total funds
73,715
7,044
1,828,751
1,909,510
(3,713)
2022
£
1,368
724,920
1,000,000
1,726,288
1,905,797
3,632,085
3,632,085
3,632,085
-
3,632,085
3,632,085
82,825
5,747
1,767,287
1,855,859
(4,038)
2021
£
955
818,991
1,000,000
1,819,946
1,851,821
3,671,767
3,671,767
3,671,767
-
3,671,767
3,671,767

The financial statements were approved and authorised for issue by the Trustees on 25 October 2023 and signed on their behalf by:

................................................

Mr M Garstang

(Chair of Trustees)

The notes on pages 10 to 21 form part of these financial statements.

Page 9

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

1. Accounting policies

1.1 Basis of preparation of financial statements

The financial statements have been prepared in accordance with the Charities SORP (FRS 102) - 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 2015), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

The financial statements have been prepared to give a 'true and fair' view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a 'true and fair' view. This departure has involved following the Charities SORP (FRS 102) published on 16 July 2014 rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.

The Berean Publishing Trust CIO meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy.

These financial statements are prepared in sterling which is the functional currency of the charity.

1.2 Income

All income is recognised once the charity has entitlement to the income, it is probable that the income will be received and the amount of income receivable can be measured reliably.

1.3 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is classified by activity. The charity has a single activity which is made up of the total of direct costs and support costs involved in undertaking the activity.

Expenditure on charitable activities is incurred on directly undertaking the activities which further the charity's objectives, as well as any associated support costs.

All expenditure is inclusive of irrecoverable VAT.

1.4 Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

Page 10

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

1. Accounting policies (continued)

1.5 Tangible fixed assets and depreciation

Tangible fixed assets costing £500 or more are capitalised and recognised when future economic benefits are probable and the cost or value of the asset can be measured reliably.

Tangible fixed assets are initially recognised at cost. After recognition, under the cost model, tangible fixed assets are measured at cost less accumulated depreciation and any accumulated impairment losses. All costs incurred to bring a tangible fixed asset into its intended working condition should be included in the measurement of cost.

Depreciation is charged so as to allocate the cost of tangible fixed assets less their residual value over their estimated useful lives, using the straight-line method.

Depreciation is provided on the following bases:

Office Equipment - straight line over 5 years
Website Costs - straight line over 4 years

1.6 Investments

Fixed asset investments are a form of financial instrument and are initially recognised at their transaction cost and subsequently measured at fair value at the Balance sheet date, unless the value cannot be measured reliably in which case it is measured at cost less impairment. Investment gains and losses, whether realised or unrealised, are combined and presented as "Gains/(Losses) on investments" in the Statement of Financial Activities.

1.7 Investment property

Investment properties for which fair value can be measured reliably are measured at fair value at each reporting date with changes in fair value recognised as "Gains/(Losses) on investments" in the Statatement of Financial Activities.

1.8 Stocks

Stocks are valued at the lower of cost and net realisable value after making due allowance for obsolete and slow-moving stocks. Cost includes all direct costs.

1.9 Debtors

Other debtors are recognised at the settlement amount after any trade discount offered.

1.10 Cash at bank and in hand

Cash at bank and in hand includes cash and short-term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

Page 11

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

1. Accounting policies (continued)

1.11 Liabilities

Liabilities are recognised when there is an obligation at the Balance sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

1.12 Financial instruments

The charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value.

1.13 Pensions

The charity operates a defined contribution pension scheme and the pension charge represents the amounts payable by the charity to the fund in respect of the year.

1.14 Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the Trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes.

Investment income, gains and losses are allocated to the appropriate fund.

2. Income from donations and legacies

Unrestricted Total Total
funds funds funds
2022 2022 2021
£ £ £
Donations 14,772 14,772 51,985

Page 12

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

3. Income from charitable activities

Sale of Books
Chapel Fund Contributions
Other
Unrestricted
funds
2022
£
2,695
1,251
329
4,275
Total
funds
2022
£
2,695
1,251
329
4,275
Total
funds
2021
£
2,329
-
4,936
7,265

4. Investment income

Unrestricted
funds
2022
£
Rental Income
1,200
Dividends
33,291
Bank Interest
467
34,958
Total
funds
2022
£
1,200
33,291
467
34,958
Total
funds
2021
£
1,200
32,344
100
33,644

Page 13

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

5. Analysis of expenditure by activities

Charity activity
Analysis of direct costs
Book Cost of Sales
Activities
undertaken
directly
2022
£
9,110
Support
costs
2022
£
102,506
Total
funds
2022
£
111,616
Total
funds
2022
£
9,110
Total
funds
2021
£
99,869
Total
funds
2021
£
8,900

Page 14

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

5. Analysis of expenditure by activities (continued)

Analysis of support costs

Staff costs
Depreciation
Printing
Postage
Water
Telephone
Professional Fees
Office Supplies
Repairs and Maintenance
Utilities
Insurance
Sundry Expenses
Bank Charges
Events and exhibitions
Donations
Total
funds
2022
£
65,803
486
1,922
3,990
-
1,243
10,661
1,163
4,179
3,617
2,218
4,231
75
2,918
-
102,506
Total
funds
2021
£
59,038
307
1,400
4,463
94
637
2,937
279
817
2,102
4,712
3,434
71
3,628
7,050
90,969

6. Independent examiner's remuneration

The independent examiner's remuneration amounts to an independent examiner fee of £2,750 ( 2021 - £2,600 ).

Page 15

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

7. Staff costs

Wages and salaries
Contribution to defined contribution pension schemes
2022
£
65,537
266
65,803
2021
£
58,736
302
59,038

The average number of persons employed by the charity during the year was as follows:

2022 2021
No. No.
Administration 4 4

No employee received remuneration amounting to more than £60,000 in either year.

The key management personnel are considered to be the trustees and other management personnel. The total remuneration paid to key management personnel during the year was £24,232 (2021 - £24,232).

8. Trustees' remuneration and expenses

During the year, one or more Trustees has been paid remuneration or has received other benefits from an employment with the charity. The value of Trustees' remuneration and other benefits was as follows:

2022 2021
£ £
Mr M Garstang Remuneration 24,232 24,232

During the year ended 31 December 2022, no Trustee expenses have been incurred (2021 - £NIL) .

Page 16

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

9. Tangible fixed assets

Cost or valuation
At 1 January 2022
Additions
At 31 December 2022
Depreciation
At 1 January 2022
Charge for the year
At 31 December 2022
Net book value
At 31 December 2022
At 31 December 2021
10.
Investment property
Valuation
At 1 January 2022
Disposals
Surplus on revaluation
At 31 December 2022
Office
equipment
£
19,607
899
20,506
18,652
486
19,138
1,368
955
Other fixed
assets
£
7,290
-
7,290
7,290
-
7,290
-
-
Total
£
26,897
899
27,796
25,942
486
26,428
1,368
955
Freehold
investment
property
£
1,000,000
(100,000)
100,000
1,000,000

Freehold Investment Property was transferred to the charity at the market value as at 31 December 2015. The initial cost of the property was £138,000.

For the year ended 31 Decemeber 2022, the Trustees revalued Freehold Investment Property with the valuation in line with estate agent valuations on the basis of current market value.

Page 17

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

11. Fixed asset investments

Cost or valuation
At 1 January 2022
Revaluations
At 31 December 2022
Net book value
At 31 December 2022
At 31 December 2021
12.
Stocks
Goods for resale
13.
Debtors
Due within one year
Accrued income
VAT recoverable
2022
£
73,715
Unlisted
investments
£
818,991
(94,071)
724,920
724,920
818,991
2021
£
82,825
2021
£
5,645
102
5,747
Unlisted
investments
£
818,991
(94,071)
724,920
724,920
818,991
2021
£
82,825
2021
£
5,645
102
5,747
2022
£
6,364
680
2021
£
5,645
102
7,044 5,747

Page 18

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

14. Creditors: Amounts falling due within one year

Other creditors
Accruals
2022
£
963
2,750
3,713
2021
£
1,738
2,300
4,038

15. Statement of funds

Statement of funds - current year

Unrestricted funds
General Funds
Investment Property Valuation
Balance at 1
January
2022
£
2,671,767
1,000,000
3,671,767
Income
£
54,005
-
54,005
Expenditure
£
(111,616)
-
(111,616)
Gains/
(Losses)
£
17,929
-
17,929
Balance at
31
December
2022
£
2,632,085
1,000,000
3,632,085

Statement of funds - prior year

Unrestricted funds
General Funds
Investment Property Valuation
Balance at
1 January
2021
£
2,619,736
875,000
3,494,736
Income
£
92,894
-
92,894
Expenditure
£
(99,869)
-
(99,869)
Gains/
(Losses)
£
59,006
125,000
184,006
Balance at
31
December
2021
£
2,671,767
1,000,000
3,671,767

Page 19

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

16. Summary of funds

Summary of funds - current year

Balance at
Balance at 1 31
January Gains/ December
2022 Income Expenditure (Losses) 2022
£ £ £ £ £
General funds 3,671,767 54,005 (111,616) 17,929 3,632,085
Summary of funds - prior year
Balance at
Balance at 31
1 January Gains/ December
2021 Income Expenditure (Losses) 2021
£ £ £ £ £
General funds 3,494,736 92,894 (99,869) 184,006 3,671,767

17. Analysis of net assets between funds

Analysis of net assets between funds - current year

Unrestricted
funds
2022
£
Tangible fixed assets
1,368
Fixed asset investments
724,920
Investment property
1,000,000
Current assets
1,909,510
Creditors due within one year
(3,713)
Total
3,632,085
Total
funds
2022
£
1,368
724,920
1,000,000
1,909,510
(3,713)
3,632,085

Page 20

THE BEREAN PUBLISHING TRUST CIO

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022

17. Analysis of net assets between funds (continued)

Analysis of net assets between funds - prior year

Tangible fixed assets
Fixed asset investments
Investment property
Current assets
Creditors due within one year
Total
Unrestricted
funds
2021
£
955
818,991
1,000,000
1,855,859
(4,038)
3,671,767
Total
funds
2021
£
955
818,991
1,000,000
1,855,859
(4,038)
3,671,767

18. Pension commitments

The charity operates a defined benefit contribution pension scheme, the assets of which are held seperate to the charity. The total employer pension cost for the year was £265 (2021 - £302). Total contributions of £Nil (2021 - £Nil) were outstanding at the year-end.

19. Related party transactions

Other Trustee Transactions:

During the period, the charity charged rent of £1,200 (2021 - £1,200) to Mr M Garstang, a Trustee. There was no balance outstanding at either year end.

Relatives of Trustees:

A relative of a Trustee is employed by the charity. The salary paid for the year was £17,216 (2021 - £16,319) with employer pension contributions of £265 (2020 - £302).

Page 21