Margate Baptist Church (Cecil Square)
ANNUAL REPORTS
ACCOUNTS
Year ended 31st December 2024

Legal & Administrative Details
Charity Name:
Margate Baptist Church
Charity Number.
1169447
Charity Address:
4 Cecil Square
MARGATE
Kent
CT91BD
Trustees:
Andrew Foster
Ann Hilton
Anthony Wait
Bob Zebua (Resigned 20111r2024)
Brian Imthrington
Edwin Watt-Ruffell (Resigned 1410712024)
Elizabeth Bradshaw
Gavin Hall
Janet Bolton
Judith Cro
Philip Graham
Independent Examiner:
ArfAL4 G

Trustees Report
Objects of the ¢haFity
The objert of the charity is to proclaim the Gospel of Jesus Christ, and to promote daily Christian
living both in Margate and the rest of the world.
Summary of the charity's maln activitie8 and achievgmonts
To further the above objects and vision, the chartyls main activities and achievements were as
follows:
Services are held each Sunday, and a variety of activities are held during the week for all age
groups. The church is currently in an Interregnum. Elders support the pastoral work, and deacons
are reaffirmedleleded for three years. Other leaderslofficers for church adivities require church
meeting approval. Other positions are filled by volunteers. The church employed a part-time
caretaker.
In planning the activities, the trustees have applied the guidance on public benefit issued by the
Charty Commission.
Finaftcial Review
Total income for the year was £79,903. Total expenditure for the year was £66,307. This gave a
Surplus of £13,596 for the year. With paying back £1250.00 of Hub loan the final surplus was
£12,346. We had no extra expenditure this year and as we have still not called a minister to the
church we are not paying out a ministerfs 8tipend. We do pay those who come and preach each
Sunday. Most giving from the membership and congregation is on 4ine but we still have a reti17ng
offering for those people that prefer to give in cash. The church still supported Baptist world
Mission and Home Mission during the year. We employed a caretaker and now have a deaning
agency for the cleaning.
Reserves Pollcy
The charity aims to hold a minimum of £50,000 (which is approximately 6 months of expenditure)
as unrestricted ca8h, so that the charity could continue to operat6 should income and l or
expenditure vary adversely.
Slgnature
This report was approved by the trustees, and is signed on their behalf by:
>¥Jnaiufs

Independent Examiners Report
I report to the trustees on my examination of the accounts of Margate Baptist Church (Ihe charity,)
for the year ended 3111212024.
Responsibilities and Basis of Report
As the trustees of the charity you are responsible for the preparation of the accounts in accordan
with the requirements of the Charities Act 2011 ('the 2011 Act.).
I report in respect of my examination of the chariws accounts carried out under section 145 of the
2011 Act and in carrying out my examination I have followed all the applicable Directions given by
the Charity Commission under section 145(5)(b) of the 2011 Act.
Independent ExaMine￿S Statement
I have completed my examination. I confirm that no material matters have come to my attention in
connection with the examination giving me cause to believe that in any material respect:
accounting records were not kept in accordance with section 130 of the 2011 Act., or
2. the accounts do not accord with the accounting records.
I have no concems 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.
Independent Examinerfs Details
Address: 21
Signature
&3 /9 /2c)ZS

Receipts & Payments Statement
Unfesldcted
ReJtilci•d
Tolal
Y••r
R•¢elpt$
•t￿ft$ & Leg3cie5
t￿nalItin$
53,075
53,1
11546
52.957
Glft
11.546
10.465
Granls
Charft•b* Actlvlties
Event In¢on
Ne5tmenis
8gnk Int8r8sI
Trailitig Actlvllle5
Rerrtal Inco
2.992
Loans Recow8d
Other1fi¢otr
3.024
3,024
of FLxed A858ts
ol In¥&stments
Total 18ceipls
79.818
79.903
78 3*1
Payménts
Chailtable Aeiivftles
ActNities
513
513
AdnNn
13,105
13.105
16,DJ7
Advertising
Bank Charges
E¥ant Costs
Grfi8 Gwen
2.743
4,000
6,748
911
247
4.510
101
Other Expfjfidllure
Premises
4,262
31,033
3t.033
15,221
Staff Co8ts
10.337
10,337
14,9
Govefnance Costs
GoverTr8nce Costs
FiKeJ Asset PurGh8
Ltsans Repakl
MDnpy1nvested
Total p¥ymtnls
47.230
6?.060
4.247
86.307
Fund TTansf8fS In
4.683
Fund Transfers Out
Tolal Cash Funds 8rought
FoTward
V*1 Cofh FUnds Ctyrtrknl.
81.413
9.891
91,
,213
10.412-11
104
R•pregeTrted By

General (UnreBtrKt8dl
(Restr￿ted)
HMF (R8Strioledl
Bu1￿1￿9 (D8sbJnated)
Communlon (Designated)
Senior Care IReslrknledl
Transttlon Fund (Restrict8d)
Legacy (Desiunated)
Grfi day 2021 LTrS8 (DeshJnaled)
MeTty shlp& ID85ign8tEdl
GKt day 2023 IO&ignatÉd)
Iv8n &n8 mpmry (Designa18d)
Gfft Oay 2024 {Designated}
72,251
72,251
65063
3,3SO
924
574
574
2.233
5.132
5,132
5,379
1,356
1,356
7.250
9,750
9,750
3,984
20
20
20
3.e61
3.661
3.431 |
3.957
3,957

Asset & Liability Statement
Cash Assets
UnreJirf¢_t•d
722S1
fte>trkted
T*Xal
Year
Genoral IUnre8irkierf)
BMI (Re5trbtedl
HMF IR85trr¢ted)
Bulkjlng (DesPJnated)
CoTrmwnvJn (Doslgnoled)
Seyjior Csr8 IR8strr*
TransitK)n Fund [Restr￿ed1
Legacy (Desun8ted)
Gm day 2021 us? (Deslgnaled)
Mew shlps IDe$bJnAted)
Grfi day 2D23 (D85iyn8ted)
Iv8n 18ne m&mory (Oe*Jnatedl
Gfft Day 2024 ID8*gnat8d)
72251
e5863
3350
574
574
2233
5122
54
S379
1356
1356
1356
9750
9750
7250
3984
20
20
3661
3431
Other Monetary Assets
' Unrestrkt•dlllE RèBtrS¢ted Trt31 fviolyw rj
Gfft Aid
Stwk
Oth8r
Investment Assets
UniE5111
Rt51Tlcted
Prlor Ye
Property
No.3 and No5th11
$quaro
302350
Investment Accounts
Flxed Assets
Pilor Ye31
Land & 8uildlngs
MUSK & PA Equlprn8nl
Cowets & IT
Fufniture
Valued Sept. 19
1169000
1169(100
24661
24661
12107
12107
43591
43591
Motorvehlcles
Llabilities
Un*t4•kltLI
Tdal
PtborV.Èar
Loans Outstandinu
6750
67501
Pèn61on Payment
HMRC paY￿￿ts
IndeFendent
Examinatlon Fee Du8
Other

Signature
These accounts have been approved by the trustees, and are signed on their behalf by..
Name
Signature
Date 05. 10. ZQ25

Notes to the Accounts
Accounting Policies
The accounts have been prepared on a ￿ceIptS and payments basis and comprise a statement
that shows the charity's receipts and payments, a statement that summarises the charity's assets
and liabilities and related notes. The accountsncy profession have determined that only accounts
prepared in accordance with applicable accounting standards present a Xrue and fair. view and, as
these receipts and payments accounts have not (and cannot) be prepared in accordan￿ with
accounting standards, these accounts do not present (and are not intended to present) a Irue and
faitr view of the charity's financial aclivities and state of affairs.
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. Designated funds comprise unrestricted funds
that have been set aside by the trustees for particular purposes. Restricted funds are donations
which are to be used in accordance with specific restrictions imposed by donors" they indude
donations re￿iVed from appeals for specific activities or projects.
Transactions to Related Parties
[Required data field missing]
Movement of Funds
.Ftmd Name
'Optriing BO1•
In¢0
ExpoRthtu
General 1unrestrkn￿l
8W (Restrict•Y)
HMF (Res1r￿ed)
Buikling {DwnAt8d)
co￿¢￿UniOn
{Des￿n8t8d)
I Senior C8re (R8StrIc￿l
Transit￿[1 Fund
IRastrictedl
LegaBy (Des￿nated)
65,863
71541
60,470
4,663
72,251
924
85
2.341
3.350
2233
4,OUO
2.341
5741
5J79
247
5,132
1.356
7,250
3.500
Got day 2021 us8
ID8sign2led)
3.984
Mercy ships
(D8SbJnBtd)
Gfft day 2023
(D&8VJThQtedl
Ivan lane menx)ry
{￿￿Jnate
GTh Day 2024
(Oesba￿l￿>
20
3,431
230
3.661
110
110
3.957
3,957
TOTAL
91.304
66,¥*7'
104.9

Mar
ate Ba
tist Church Finance Re
ort 2024
Total income for the year was £79,903 .Total expenditure for the year was £66,307
This gave a surplus of £13,596 for the year. With paying back £1250.00 of Hub loan the final
surplus was £12,346
We had no extra expenditure this year and as we have still not called a minister to the
church we are not paying out a minister's stipend. We do pay those who come and preach
each Sunday.
Most giving from the membership and congregation is on-line but we still have a retiring
offering for those people that prefer to give in cash.
The church still supported Baptlst world Mission and Home Mission during the year.
We employed a caretaker and now have a cleaning agency for the cleaning.
The Church is a participating employer the Baptist Pension Scheme ("the Scheme"), which is a
separate legal entity administered by the Pension Trustee (Baptist Pension Trust Limlted). The assets
of the Scheme are held separately from those of the Employer and the other participating
employers. The Scheme, previously known as the Baptist Ministers, Pension Fund, started in 1925,
but was closed to future accrual of deflned benefits on 31 December 2011. Prior to this date the
main benefit provlded through the Defined Benefit IDB) Plan was a pension of one eightieth of final
minimum penslonable income for each year of pensionable sendice together with additional pension
in respect of premlums paid on Pensionable Incorne in excess of Minimum Pensionable Income.
Since l January 2012, benefits have been provided through a Defined Contrlbution IDC} Plan. A
formal valuation of the D8 Plan as at 31 December 2019 by a professionally qualified Actuary uslng
the Projerted Unit Method. At the valuation date the market value of the DB Plan assets was £298
million, whilst the level of assets needed to pay beneflts was £316m, giving a deficit of £18m
(equivalent to a past service funding level of 94%}. The Church and the other participating employers
In the DB Plan are collectlvely responsible for funding this deflclt. The next actuarial valuation of the
DB Plan within the Scheme was due to take place not later than as at 31 December 2022. On 30th
June 2022 the Baptlst Pension Scheme signed an agreement wlth the insurance companyjust Group
("JusV'I to secure DB Plan members, pension benefits. Just are now providing flnanclal backing for all
pensions provided through the Scheme's DB Plan and following this transaction, the Scheme no
longer has a shortfall. An updated Recovery plan was then signed in August 2022 under which
recovery contributions from each participating employer in the DB Plan reduced to £1 per month
from August 2022. This has now been reduced to £0. From November 2024.
We have a reserves policy that is reviewed annually. In that policy we keep £50,000 which
would cover expenses for 3 months of employee pay and church Tunning expenses and
repairs.
The treasurer contlnues to use Expense plus for enterlng all transaction5 during the year.
I would like to thank Averell Scott for helping with on-line banking and Gift aid and John
Murphy for producing the end of year accounts.
Judy Cro

Secretary s Report 2024
Margate Baptist Church Cecll Square
We have spent a second year without a full-time minister. but with the support, friendship and wise
counsel of Revd Russell Braund, who became our Moderator in November of last year. God has
continued to bless us and we are learning to be more patient as we wait for the minlster that He has
chosen to lead us.
Because of the continuing faithful commitment of those called to lead them, all our regular activities
started in January as usual and continued throughout the year. For children and young people, we have
Little Fishes parents, babies, and toddlers, group; Boys, and Girls, Brigades and Youth Club; for families
Messy Church; for the more mature Thursday Afternoon Fellowship and for everyone whether
connected to the church or not, a twice weekly coffee morning that is open throughout the year.
Study Club continued to welcome young people in Kairos during term time, providing them with a safe
space, free wifi, IT equipment when necessary and advice and guidance to help them with their
preparations for exams and their future lives whether in further education or the world of work.
Sunday Club and Creche eontinue to be available during Sunday morning serdices foryoungerchildren,
while teenagers now stay in the main service regularly.
The Boyg and Girls, Brigades continue to meet weekly during term time and we are grateful to all those
who continue to give of their time and expertise to prepare all the activities that engage, encourage
and challenge all those who attend while showing them that they are loved by God.
Junior and Senior Camps were held again, with weekends away In the Summer. Both companies led
by the band continued to parade through the streets after monthly Sunday Church Parades. The band
played atvarious events including leadingthe local Greek community in their Blessing of the Seas event
in January, supporting the local Scout Groups at their St George's Day gathering in Dreamland, tsking
part in the town Remembrance Sunday Parade and at the switch on of Christmas lights at Broadstairs
College. A new venture for the band this year was an invitation to join the London Massed Bugle Band
and participate in the Lord Mayorfs Show on 9th November. This was a very long, tiring but amazing
day forall involved and it was wonderful to see ouryoung people on the television as part of this special
occasion. They also took over Kairos for a day as part of the GB national fundraising challenge, using
the same day as a band training day and allowing the junior sections to take part in the BB'S Big Junior
Sleepover. Many thanks are owed to all those who work so hard for our young people and to all those
parents and member of the fellowship who support them.
Kairos continues to open for a Renew Wellbeing session every Tuesday morning and as a small café
with a limited menu on mostsaturday mornings. Both these sessions are staffed entirely byvolunteers.
New helpers are always welcome and necessary if the café isto open more often. Porchlight continues
use the café on Wednesday mornings and some Thursday afternoons as a drop- in centre and private
counselling sessions operate upstairs on several days and evenings per week.
The leadership team continued to oversee the running of the church during the year with the support
of our Moderator. Speakers were I￿Oked for every Sunday and we continue to be blessed that so
many people both locally and from furtherafield have been willing to travel and share God's word with
us week by week following the preaching programmes that Rev Braund prepared for us.
Christmas events again involved many of the young and not so young presenting the nativity story
during a Christmas café church, carols by candlelight was well attended and a service was held on
Christmas Day too.

We were able to purcha* and deliver Christmas gifts for our more elderly and housebound friends and
encourage all those who were able, to bring gifts of sweets and chocolate to be given to Thanet Food
Link so that those who had to use their service at Christmas time could share in some Christmas treats.
The Collierfamily held theircoffee day in August and their always popular Christmas Fayre. Both these
events raise money for charities and is given to them directly. Alex was also able to hold a Macmillan
coffee day in her home, with the money again given to the charity directly.
All the church properties need regular maintenance and we are grateful for the èxpertise and
commitment of Philip and Brian who continue to offertheir time in insuring that everything continues
to be monitored and problems addressed and rectified as early as possible.
As we continue to have been greatly blessed this year we decided that after our usual donations to
Home Misslon and Baptist World Mission we would use the moneygiven at 0urchu￿h gift day to bless
three charities with which we have had some contact during the year namely Still Waters Christian
Counselling: Kent, Surrey and Sussex Air Ambulance and Thanet Food Link.
At the March members meeting Judy Cro was re-elected as treasurer and Ann Hilton was re*lected as
secretary for a further year. At the November election of deacons Jan Bolton, Philip Graham. Gavin Hall
and Brian Withrington were re-elected to serve for a further period of three years.
We have continued to use an outside cleaning company once a week in both the church and Kairos,
while we continue to employ a part time caretaker for 10 hours per week
During the year Chris Wilson witnessed to his faith through the waters of baptism and was welcomed
Into mernbership. Revd Brdund conducted two weddings and dedicated two babies. Mr Ivan Lane a
former long serving deacon & BB officer recelved his home call in May. We shall miss his cheerful
presence and his long and faithful contribution to many areas of church life. Reunited with Linda, he
has joined all those who have gone before worshipping and praising God for eternity. Just before
Christmas Dr Grdham Field was also called home. Although he had not been well enough to get to
church for sometime, he continued to be interested in all that was happening at MBC, a church where
he had spent much of his adult life, working with the Men's Forum and the Young Peoples Fellowship
in a variety of different ways and he too is now resting in God's loving presence. Several people that we
have not seen for quite a long time for a variety of reasons were removed from our membership list
during the year so our membership at the end of this year stands at 49.
For I know the plans I havefor you, declares the Lord, plans to give you hope ond a future. Then you
will Call on me and come and pray to me, and I will listen to you. Jeremiah 29." 11-12 (NIV)
AcJlgecem6er 2024.
Mur
ate Bo
1st Churd)- the Churth at the Heort o
Mar
ote
We have a heart for God. We have a heart for God's world. We have a heart for God's familv.