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2025-12-31-accounts

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD (Charity Registration No. 1169955)

ANNUAL REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2025

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD

(Charity Registration No. 1169955)

ANNUAL REPORT AND FINANCIAL STATEMENT FOR THE YEAR ENDED 31ST DECEMBER 2025

CONTENTS

Page 1 - 3 Report of the Parochial Church Council
4 Independent Examiner's Report
5 Statement of Financial Activities
6 Balance Sheet
7-17 Notes to the Accounts

Page 1

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE,

DIOCESE OF CHELMSFORD

(Charity Registration No. 1169955)

ANNUAL REPORT OF THE PAROCHIAL CHURCH COUNCIL

FOR THE YEAR ENDED 31ST DECEMBER 2025

REFERENCE AND ADMINISTRATIVE DETAILS

Meadgate Church is part of the benefice of St Mary the Virgin Great Baddow, Chelmsford and became a separate parish on 1 January 2016, obtaining charity registration on 31 October 2016. It is part of the Diocese of Chelmsford within the Church of England.

Charity Number: 1169955
Principal Office: The Orchards
Meadgate Centre
Chelmsford
Essex
CM2 7NS
Independent Examiner Claire Bullen
Taylor Viney & Marlow Ltd
46-54 High Street
Ingatestone
Essex
CM4 9DW
Bankers Barclays Bank PLC Metro Bank PLC
1 Churchill Place 1 Southampton Row
London London
E14 5HP WC1B 5HA
PCC members who have served during 2025 are:
Team Rector Rev. Cannon Timothy Ball (until 05 Jan 2025, position vacant for the remainder of the year)
Other Team Clergy Rev. Andrew Brown Rev. Philip Sheldrake (until 30 June 2025)
Rev. Mark Petitt (from 27 Nov 2025) Rev. Lydia Petitt (Chair, from 27 Nov 2025)
Elected Members Martin Amundsen Moira McQuiggan
David Belbin Elizabeth Minnican
Malcolm Burrell (Treasurer) Charlotte Parsons
Rosalind Coleridge (Church Warden) Steph Ridgwell
Graham Delves Jason Smart
John Kennett Paul Smith
Denise Hom (Church Warden) Locardia Takawira
Duncan McKenzie
Elizabeth McKenzie

STRUCTURE, GOVERNANCE AND MANAGEMENT

The church is governed by the Parochial Church Council Powers Measure (1956) as amended and by church representation rules. The church is a charity, registered with the Charity Commission.

The method of appointment of PCC members is set out in Church Representation Rules. All Church attendees are encouraged to register on the Electoral Roll and stand for election to the PCC.

Page 2

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD

(Charity Registration No. 1169955)

ANNUAL REPORT OF THE PAROCHIAL CHURCH COUNCIL

FOR THE YEAR ENDED 31ST DECEMBER 2025

OBJECTIVES AND ACTIVITIES

Meadgate Church PCC has the responsibility of co-operating with the team vicars, Rev. Mark Pettit and Rev. Lydia Pettit, in promoting in the ecclesiastical parish the whole mission of the church, pastoral, evangelistic, social and ecumenical. It also has the maintenance responsibilities for the Church centre complexes at the Parade and the Orchards.

Background information

Meadgate Church was established as a daughter church to St Mary the Virgin, Great Baddow, in 1963 to serve the needs of the Meadgate district which comprises a mix of former council housing now run by Chelmer Housing Partnership, and a number of privately owned dwellings. The church started in the home of one of the founder members and quickly grew, such that a church was built as part of the Meadgate Parade. Following various extensions as the church grew an opportunity to take over the site of the former Meadgate Junior School was taken advantage of and in July 2014 the Church took a three year lease from Essex County Council on the site now known as The Orchards, where as well as running Sunday services we have opened a cafe with under 5s soft play area which is open 5 days a week in school terms, as well as making the rooms available for other agencies serving the needs of the Meadgate Community. The lease was extended in 2017 allowing for discussions and agreement in principal for the purchase of the site, which completed on 16 September 2020.

Mission statement

Called by Christ, Commited to Serve, Caring for our Community.

ACHIEVEMENTS, PERFORMANCE AND BACKGROUND INFORMATION

Church attendance

There are 92 people registered on the Electoral Roll (2024: 105). Approximately 70 adults and 13 children attend the services each Sunday.

Review of church council and church meeting business during the year.

The PCC meets approximately every quarter with additional sub-committee meetings for mission, buildings and finance held when needed. Copies of the minutes are available to all church members on request after they have been signed and agreed by the PCC.

FINANCIAL REVIEW

Meadgate Church has once again witnessed the blessings and provision of God in respect of its finances.

We started the year with a budgeted deficit of £10,745 for the General, Orchards Cafe, Community Garden and Junior Church / Youth Funds combined, and ended at break-even. However, this break-even figure included a transfer of £9,628 into the Reserve Fund, and so these combined Funds generated a surplus prior to the funds transfer significantly in excess of budget. It should be noted that the Church was only able to fill the vacant Children and Families Worker position in September. Had this post been filled for the whole of 2025 we would have potentially been looking at a deficit. The General Fund ended the year with an unchanged balance of £33,327.

Total income on ordinary unrestricted funds was £275,901 (2024: £258,679). Total unrestricted expenditure amounted to £245,461 (2024: £232,585). On the income side, giving by church members was down by around 4% compared to 2024, whilst Cafe income increased by 8% and lettings income by 10%. Expenditure was around 6% higher than 2024, primarily due to higher maintenance costs, higher Cafe running costs and the higher parish share.

The Church continues to pay in full our Deanery Share (or Family Purse) contribution – this year £66,480 (2024: £63,501).

Following the purchase of The Orchards in 2020, the Orchards Purchase Fund is now sitting at £481,330 (2024: £471,470), represented entirely by the net asset value of The Orchards. £2,484 was transferred out of this Fund into the Reserve Fund. The Orchards Refurbishment Fund ended the year at £49,274 (2023: £26,637), with £46,149 (2024: £47,750) having been spent on refurbishment works during 2025, these being primarily the replacement of the main hall roof. The PCC gratefully acknowledges the receipt of the generous donations from church members, and from the Diocese of Chelmsford, which facilitated theses works. Having replaced the main hall roof, the PCC has arranged for the remaining areas of the roof to be replaced in the early half of 2026. This is a significant undertaking, with a cost in the order of £250,000. Some funds have been donated by church members, some monies are in the Reserve Fund and the Diocese has generously agreed to increase the facility on the existing loan to enable these works to go ahead.

The Community Assist Fund is now sitting at £1,990 (2024: £2,147).

THE PAROCIULCHURCH COLW4CILOFTHe e¢¢LESthSm¢AL PARlI OItGREATBALX>OW, MEADGATE. OCE8ECf CHELMSFOPD I￿￿￿¥11•01￿rI1knn No. 1111WI AMP￿AL￿PoRToF THIE PAR¢￿￿LCWj￿CN couweiL FOR THE YThAR ENDED 31fST DECE￿￿20?1 VINANCLAL REVIEbY (Gcrt) Th• ReJMrwPund endad Ihay•¥at£37.173 C2024.' £33%73), IMn4erd in fromlhe (knerl Fynd 4r￿ thathhrd• Fund Ind Imn wllo IMRefuFbFund. Th• ￿¢ cf 41 o11mba￿e0ClINIFu￿1 k)hdpp br1hortyytt￿XtsMail. I•ERVE$ POUCY Th• PCC h nlndlul ofth• ¢hwlty Cow•Tl•th gu￿￿n￿oI ￿n￿rI$￿￿fUrtd1 uplo4 Iq¥d •quth•Io4pp￿thi worthl, ￿T￿rk￿ pymits, lo G¢r4w •lU￿rI11 thil ￿Y frtm 1¢ ilft. Thi ol unr•bltKtsd lundi •1 th• yr •nd lth f 73,070. h l• Ilk•fy IhAI b• & numbw tsf bkn• th• Unrirt￿I￿ fund8 ￿ b• btoughl uplo Ih• I￿r￿d•￿ 41 th• Church nLwhrAio nTr￿C•tha b>n 1¢pAyft￿th1 IOT Tho C¥thArdsand undtqkenMc4nt r•nnc4uw6. A•IPCJIYalUnl•OPTHIPCC Th• M￿￿•18 PCC •[• r••pmlN• fty Ih• 1 8t•tthngnl al An￿￿11 e•kn¢• ¥h••t lty Y￿1, pty ￿th S•JthJn 1>Jofih•¢hwMb•Nxi 2011 lhM4ng th•gUhJ￿c￿[or1Qr￿unIkn9 bylh•Ch¥h¥MCommkn•kn. In th• I)., st￿• •ppWc•bk7 I(￿U￿lA9 •iindd• 4nd •I•¢￿Tr￿ ¢1 r•)tyTrnWd￿ hw• bmn loMryMd. tsubJt 10 •KplilnA Inth••wni•. F r•wÈl￿1￿ •È tY•rrth d Ihv PCC in01￿• kwF4nu pyoyr I(￿￿j￿tIry rwdl ￿kn10h wlh 11gwn•W• •t •ny Iln th• Ilm•￿￿1 ol lh• ohthy And •n•bl• u• to •nwi• Ih•l th• ce4mp￿ vAth th• Chwrfh• th1 2C11. W• i•wJnAlbl f u#￿Ir￿ th Churoh'• h•iw fw llw r•Wn￿tr th• p •nd of •nd lkn r•9ul*lon•. Th•0￿h￿ M••J9HhC•ntr• MH•o4lhW•y ch￿r￿1r￿d 27N8 A•¥ LydknP•iit 2021 MAV 2028

PaJe 4 DEPENDENT EXAMINER'S REPORT TO THE THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW. MEADGATE, DIOCESE OF CHELMSFORD Th6 repcfft on t￿ Aceounts ofth8 PCC for the year 31 Decembw 2025. wNch Is set out on pages 1 to 17 Indusive, is in respect of an 8XarnInatiL￿ carri8d out in accordance with the Church AccountirvJ R￿julat￿)n5 20[￿ arKI ￿￿)n 145 of the Charities Act 2011. Res nsibilil.es olTrustees and Examiner A8 mernbgrs of the PCC you are resrx)nsitAe for the preparation of tha Accounts.. you conskjer O)at the audrt reqLhrement of Re9ulation 3<31 of the Church Accourfng RegulatwJns and Section 144121 of th8 Charrties Act 2011 (the Act) d085 not apply. It ￿ my responsi￿litY to ISSU8 thi5 r8POrt on those Accounts in a(xordarrA ￿th the t￿n8 of the Churc Accountr'ng REgUlat￿nS 2006 aryj the Charities (Accounts and Rewrtsl Regulabons 2(M)8. eres Bask8 of Inde nt Exa￿￿ne￿ Re My eX￿nInat￿)n was carrSed out in aceorrJa￿e wth the Gener81 Dir6(ons gi￿ by the Charity thmwission under Section 145(5llbl of the Act and to be lound In Ihe gUKlan¢g from the C8F. That examination includes a re¥Aew of tha accountiNJ r8cords kept by th8 PCC and a ￿mparison of the Accounts wth thosè records. It a159 includes ConS￿ering any unusual Iterns or discknsures In the Accounts aThJ See￿.r￿j explanabons frorn you as Trustees corKeming any such matters. The proc&lu dertak8n do not providg *1 the evldence that ￿Uld be requlr&J In an OL¥Jil, (wsequenuy I do not expTe5s an audit opinion the vw gwen by the Accounts. de ndent Examine￿$ Statement In accordanc8 Wth my examination, no mailer has comè to my att￿t￿)n whith gives me reaKfflable cause to believ& thaL in any material resrt the requSrements to k88p accounting rowrth in ec¢ordan¢e with Secti)n 130 ofth8 2011 AGL" to rmepare Ao>)vnts accord wtth th8 8(xounting recor¢8 aThY to c1)m￿Y wlth the iequiremants of the Act. a3 also cotrtai1￿d in th8 Church Accounung Rgjulatbns 2C#J6 hav6 ry)t baen rnet, or to which. In my opinM, attention shou￿ bg dravm in othr to enabl& a prop￿ unddstsThYing of the Ac(x)unts to b8 reached. 4&54 HKJh Street lThJatestore Essex CM4 90W C18ire Btjllen Indep￿dent Examin8r Taylor Viney & Mad¢)w Ltd chart￿￿ Accountants 2026

Page 5 THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATI DIOCESE OF CHELMSFORD ((￿rIty R•8lstrn￿ort No. 11699551 STATEMENT OF FINANaAL AcfiviTIES FOR THE YEAR ENDED 31ST DECEMBER 2025 Unrnstrlrt•d Fundi R•$trlrt•d Funds TOTAL FUNDS Not•s 2025 2024 INCOME AND ENDOWMENTS Voluntary Income 4-6,12,14, 17-19 146,321.65 57,180.34 203,501.99 216,233.06 Activities for Geneiatlng Funds Investmént Income In¢ome from Chur¢h Activltles Other Income 48,097.45 496.52 77,555.47 3,429.77 48,097.4S 520,75 77,555.47 3,429.77 414,858.60 567.40 71,530.15 1,759.94 16,18 24.23 11>13,15 TOTAL INCOME 275 900.86 57 204.57 333 105.43 334 949.15 EXPENDITURE Church Actlvltl•s Fund.ralsin8 Costs 245,460.69 51,860.48 297,321,17 286,116,43 TOTAL EXPENDITURE 245 460.69 51860.48 297 321.17 286 116.43 NET INCOMV IEXPENDITUREI 30,440.17 5,344.C8 35,784.26 48,832.72 Bought forward at l January 2025 Tr•nsfers Betsyeen Funds BALANCES AT 31 DECEMBER 2025 69,784.CK) 27 153.77 73 070.40 498,106.71 27 153.77 530 604.57 567,890,71 519,057,99 3 674.97 567 890.71 Approved byttro par￿￿184 Churc CoLmcII on Ql 2028 Chw¢h OfficT Church Offlcer Treasurèr

Page 6

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD

(Charity Registration No. 1169955)

BALANCE SHEET AS AT 31ST DECEMBER 2025

2024
Notes
FIXED ASSETS
662,080.29
CURRENT ASSETS
21,583.38
Debtors and Prepayments
47
17,133.50
535.36
Deposit Account
48
559.59
80,010.30
Current Account
49
115,836.28
2,276.35
Charge Cards
50
1,946.52
95.00
Cash in hand: General Fund
186.58
20.69
Cash in hand: Children and Young People
127.58
104,521.08
CURRENT LIABILITIES
8,099.92
Creditors and accrued expenses
51
5,308.67
8,875.81
Loans repayable within 12 months
45
11,430.89
181,734.93
Loans repayable beyond 12 months
45
169,319.13
-
Receipts in Advance
56
8,136.69
198,710.66
567,890.71
NET ASSETS / (LIABILITIES)
FUNDS
Unrestricted
33,326.65
General Fund
Designated
-
Orchards Café Fund
0.00
-
Creative Hands Fund
-
364.77
Community Garden
133.23
372.66
Children and Young People
447.91
2,146.81
Community Assist
1,989.56
33,573.11
Reserve
37,173.05
Restricted
-
Mission / Charities Fund
0.00
471,469.56
Orchards Purchase Fund
481,330.29
26,637.15
Orchards Refurbishment Fund
49,274.28
567,890.71
TOTAL FUNDS		 135,790.05
194,195.38		 2025
662,080.29
603,674.97
33,326.65
39,743.75
530,604.57
603,674.97

Page 7

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD

(Charity Registration No. 1169955)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2025

1. ACCOUNTING POLICIES

a) Basis of accounting

The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with United Kingdom Generally Accepted Accounting Practice (FRS 102), and the Charities Act 2011 .

b) Funds

Restricted funds represent donations or fundraising income invited by the PCC for a specific object. The funds may only be expended on the specific object for which they were given. Any balance remaining unspent at the end of each year must be carried forward as a balance on that fund.

Where funds received have been restricted for the purchase of fixed assets, the value of the specific object is transferred at the purchase date from the restricted fund to the general fund in the Statement of Financial Activities.

General Funds represent funds of the church council that are not subject to any restrictions regarding their use and are available for application on the general purposes of the Church. Funds designated by the Church Council for a particular purpose are also unrestricted.

c) Income and Endowments

All income and endowments are included in the statement of financial activities when the Church is entitled to the income and the amount can be quantified with reasonable accuracy. The following specific policies are applied to particular categories of income:

d) Expenditure Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which is reported as part of the expenditure to which it relates:

Page 8

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD (Charity Registration No. 1169955)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2025

2. DETAILED STATEMENT OF FINANCIAL ACTIVITIES

Notes
INCOME
Planned Giving
4
Income Tax Recovered (Planned Giving)
4
Collections
5
Non-Planned Giving
5
Donations
6
Income Tax Recovered (Non-Planned Giving)
5
Church Letting Income
7
Catering Income
8
Orchards Café
9
Sundry Income
10
Creative Hands
11
Community Garden
12
Youth Account
13
Community Assist
14
Parochial Fees
Bank Interest Received
16
Funds raised for Mission/Charities
17
Funds raised to purchase The Orchards
18
Funds raised for The Orchards Refurbishment
19
Total Income
EXPENDITURE
Clergy Expenses
20
Staff Costs
21
Training
22
Worship Costs
23
Premises Rental
24
Upkeep of church building/grounds
25
Catering
26
Administration
27
Junior Church / Youth
28
Orchards Café
29
Community Outreach
30
Sundry Costs
31
Creative Hands
32
Get Meadgate Gardening
33
Youth Account
34
Evangelism
35
Orchards Loan Interest
38
Community Assist
39
The Orchards Purchase
43
The Orchards Refurbishment
44
Team GB Shared Expenses
41
Outside of Parish
Parish Share
36
Mission/Charity Giving From the General Fund
37
Mission/Charity Giving From Special Appeals
42
Balances as at 1 January 2025
Surplus/(Deficit) for year
Transfers between Funds
Balances as at 31 December 2025		 General
Orchards
Creative
Community
Children &
Community
Reserve
Restricted
Total
Fund
Café
Hands
Garden
Young People
Assist
Funds
Unrestricted
Designated
Designated
Designated
Designated
Designated
Designated
Summary

99,270.74
99,270.74
1.2
21,521.98
21,521.98
2.3
3,157.73
3,157.73

3,454.79
3,454.79

14,549.70
10,800.00
25,349.70
2.5
3,329.28
142.50
8,571.45
12,043.23

48,097.45
48,097.45

0.00
0.00

77,555.47
77,555.47

1,984.04
1,984.04

853.44
853.44

24.93
24.93

592.29
592.29

870.00
870.00
0.00
0.00

496.52
24.23
520.75

4,482.55
4,482.55

1,968.00
1,968.00

31,358.34
31,358.34
195,862.23
77,555.47
853.44
24.93
592.29
1,012.50
0.00
57,204.57
333,105.43

251.17
251.17

24,275.78
24,275.78

568.50
568.50

275.21
275.21

200.00
200.00

45,395.93
45,395.93

727.88
727.88

7,995.96
7,995.96

1,119.04
1,119.04

72,671.68
72,671.68

673.74
673.74

6,350.76
6,350.76

0.00
0.00

756.47
756.47

0.00

0.00
0.00

12,543.27
12,543.27

757.75
757.75

0.00
0.00

46,148.98
46,148.98

1,058.03
1,058.03
0.00
17
66,479.52
66,479.52

3,360.00
3,360.00

5,711.50
5,711.50
170,155.75
72,671.68
0.00
756.47
1,119.04
757.75
0.00
51,860.48
297,321.17
33,326.65
0.00
0.00
364.77
372.66
2,146.81
33,573.11
498,106.71
567,890.71
25,706.48
4,883.79
853.44
-731.54
-526.75
254.75
0.00
5,344.09
35,784.26
-25,706.48
-4,883.79
-853.44
500.00
602.00
-412.00
3,599.94
27,153.77
0.00
33,326.65
0.00
0.00
133.23
447.91
1,989.56
37,173.05
530,604.57
603,674.97

Page 9

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF GREAT BADDOW, MEADGATE, DIOCESE OF CHELMSFORD

(Charity Registration No. 1169955)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2025

3. RESTRICTED FUNDS SUMMARY FOR THE YEAR ENDED 31ST DECEMBER 2025

INCOME
Funds raised for Mission/Charities
Orchards Purchase
Orchards Loan
Orchards Refurb
Donations
Deposit Interest
Income Tax Recovered
3A
Total Income
EXPENDITURE
Funds raised for Mission/Charities
Orchards Purchase
Orchards Loan Repayments
Orchards Refurb
Church Group Expenses
Gifts
Other Expenditure
Total Expenditure
Balances as at 1 January 2025
Surplus/(Deficit) for year
Transfers between Funds
Balances as at 31 December 2025		 Mission/
Orchards
Orchards
TOTAL
Charities
Purchase
Refurb
4,482.55
4,482.55
1,968.00
1,968.00
0.00
31,358.34
31,358.34
10,800.00
10,800.00
24.23
24.23

816.95
492.00
7,262.50
8,571.45
5,299.50
2,484.23
49,420.84
57,204.57
5,711.50
5,711.50
0.00
0.00
0.00
46,148.98
46,148.98
0.00
0.00
0.00
5,711.50
0.00
46,148.98
51,860.48
0.00
471,469.56
26,637.15
498,106.71
-412.00
2,484.23
3,271.86
5,344.09
412.00
7,376.50
19,365.27
27,153.77
0.00
481,330.29
49,274.28
530,604.57

NOTES TO THE ACCOUNTS

Page 10

2025

2024

UNRESTRICTED INCOME

OTHER GENERAL FUND INCOME

3.1. NELFT / HCRG 3.1. Moo Music 3.1. U3A 3.1. CCG Choir 3.1. Diocesan Meeting 3.1. Other 3.1. Sounds Right 3.1. Chelmsford City Council 3.1. Starlight Music Theatre Group 3.1. Made For More 3.1. Do Re Minis 3.1. YMCA 3.1. Tappy Toes 8 3.2 Catering Income 9 Orchards Café 3.3. Daily Takings 3.3. Party Hire 3.3. Donation 10 Sundry Income 3.5. Other 11 Creative Hands 3.9. Creative Hands (Tue) 3.9. Creative Hands (Wed)

83,779.00 85,177.00
5,522.74 4,945.48
8,344.00 11,296.00
1,625.00 1,288.00
21,521.98 22,412.74
120,792.72 125,119.22
1,321.35 3,267.00
2,133.44 2,381.21
3,329.28 954.28
3,157.73 4,214.32
9,941.80 10,816.81
12,405.00 890.04
0.00 333.07
0.00 999.67
1,060.00 1,356.87
751.41
333.29
14,549.70 3,652.39
30,485.03 23,266.63
8,018.24 8,009.06
1,974.38 1,541.48
1,062.60 1,016.40
987.37 1,081.64
634.50 3,231.48
952.60 883.32
0.00 0.00
0.00 173.25
2,077.00 2,077.00
589.05 808.50
0.00 369.60
1,316.68 1,073.84
48,097.45 43,532.20
0.00 1,326.40
77,455.47 71,206.15
100.00 324.00
0.00 0.00
77,555.47 71,530.15
1,984.04 585.99
1,984.04 585.99
80.00 144.00
773.44 504.95
853.44 648.95
0.00
24.93 2.50
0.00
0.00
0.00
24.93 2.50

13 Children and Young People 4.7. Six Pack Subs

13
Children and Young People
4.7.Six Pack Subs
4.7.Elevate Subs
14
Community Assist
3.10
Donations Gift Aided
3.10
Donations Not Gift Aided
3.10
Donations CAF etc
3.10
Income Tax Recovered
15 3.7Parochial Fees
16 3.8Bank Interest Received
TOTAL UNRESTRICTED INCOME
RESTRICTED FUNDS INCOME
17 3a FFUNDS RAISED FOR MISSION/CHARITIES
4.1.Denisa Care Home (was Hope for Kids)
Donations
Refer also 4.1.2 Denisa Care Home - Income Tax RecoverIncome Tax
to
Restricted
Funds
4.1.Samaritans Purse
Donations
Summary
4.1.4 Samaritans Purse - Income Tax RecovereIncome Tax
4.1.Little Edi
Donations
4.1.10 Little Edi - Income Tax Recovered
Income Tax
4.1.Bible Society
Donations
4.1.14 Bible Society - Income Tax Recovered
Income Tax
4.1.Food Bank
Donations
4.1.8 Food Bank - Income Tax Recovered
Income Tax
CHESS
Donations
Income Tax
4.1.LMDC Charity
Donations
4.1.16 LMDC Charity - Income Tax Recovered Income Tax
18
THE ORCHARDS PURCHASE
4.3.Donations Gift Aided
Refer also 4.3.Donations Not Gift Aided
to
4.3.Donations CAF etc
Restricted
CCLA Deposit Interest
Funds
4.3.Income Tax Recovered
Summary
19
THE ORCHARDS REFURBISHMENT
Refer also 4.5.Donations Gift Aided
to
4.5.Donations Not Gift Aided
Restricted 4.5.Grants
Funds
4.5.Income Tax Recovered
Summary
4.5.Other Income
TOTAL RESTRICTED INCOME		 356.59
235.70
592.29
570.00
300.00
0.00
142.50
1,012.50
0.00
496.52
275,900.86
1,239.10
225.34
1,464.44
2,069.70
388.75
2,458.45
0.00
0.00
0.00
899.75
134.36
1,034.11
0.00
0.00
0.00
0.00
0.00
0.00
274.00
68.50
342.50
5,299.50
1,968.00
0.00
0.00
24.23
492.00
2,484.23
29,450.00
1,908.34
10,800.00
7,262.50
0.00
49,420.84
57,204.57		 Page 11
279.85
245.15
525.00
0.00
399.42
0.00
0.00
399.42
0.00
540.42
258,679.45
2,854.00
629.75
3,483.75
987.81
213.44
1,201.25
0.00
0.00
0.00
772.15
155.75
927.90
114.36
5.00
119.36
44.63
5.00
49.63
0.00
0.00
0.00
5,781.89
1,968.00
0.00
0.00
26.98
492.00
2,486.98
50,125.00
5,465.99
0.00
12,409.84
0.00
68,000.83
76,269.70

Page 12

UNRESTRICTED EXPENDITURE

20 CLERGY EXPENSES

5.1. Mileage

5.1. Books and Publications

21 STAFF COSTS (EXCL. CAFÉ STAFF)

8.3 Candles 8.4 Books & Booklets 8.6 Special Services 8.9 Refreshments

8.11Sundry Expenses

25 UPKEEP OF PREMISES Upkeep of The Parade

Utilities Insurance Refuse Collection Fee Extinguisher Service Maintenance & Repairs Cleaning

Upkeep of The Orchards

Utilities Insurance Refuse Collection Fee Extinguisher Service Gardening Maintenance & Repairs Cleaning Container Hire Cleaning Supplies AV Equipment

11.1Orchards Catering General 11.5Parade Catering General

67.64
147.77
35.76
0.00
0.00
251.17
24,275.78
568.50
568.50
114.62
0.00
82.20
0.00
7.25
71.14
275.21
200.00
200.00
2,460.44
1,320.34
0.00
0.00
1,091.42
473.03
5,345.23
12,654.01
2,535.01
1,976.52
0.00
0.00
9,397.90
10,126.13
446.40
918.14
1,996.59
40,050.70
45,395.93
727.88
0.00
727.88		 157.43
462.78
290.24
-277.65
0.00
632.80
19,384.20
136.00
136.00
222.43
6.00
36.37
29.23
294.37
9.78
598.18
200.00
200.00
3,835.56
1,242.00
0.00
91.50
2,156.28
1,070.77
8,396.11
12,397.09
2,755.81
1,896.96
114.42
0.00
3,672.50
9,582.16
446.40
756.40
2,103.85
33,725.59
42,121.70
973.38
0.00
973.38		 157.43
462.78
290.24
-277.65
0.00
632.80
19,384.20
136.00
136.00
222.43
6.00
36.37
29.23
294.37
9.78
598.18
200.00
200.00
3,835.56
1,242.00
0.00
91.50
2,156.28
1,070.77
8,396.11
12,397.09
2,755.81
1,896.96
114.42
0.00
3,672.50
9,582.16
446.40
756.40
2,103.85
33,725.59
42,121.70
973.38
0.00
973.38
973.38

Page 13

27 ADMINISTRATION

12.1Licences 1,597.38 1,503.98
12.2Subscriptions 0.00 51.00
12.3Stationery 247.95 262.36
12.4Printing / Photocopying 3,334.91 3,226.29
12.5Books & Booklets 0.00 54.99
12.6Postage 0.00 5.00
12.7Giving Envelopes 27.32 40.25
12.8Photocopier / Printer Toner/Ink 0.00 39.99
12.9Equipment 48.86 619.00
12.1Other 30.00 138.00
12.1Phone 1,779.12 1,270.81
12.1Internet Subscription 930.42 959.53
7,995.96 8,171.20
28 CHILDREN AND YOUNG PEOPLE
13.2Food and Drink 142.65 43.88
13.3Craft 85.49 94.06
13.5Resources 491.00 427.36
13.6Phone 12.00 10.00
13.7Six Pack 246.61 139.88
13.8Elevate 141.29 36.85
1,119.04 752.03
29 ORCHARDS CAFÉ COSTS
14.1Catering Supplies 22,107.04 21,109.19
Café Staff Costs 46,532.33 45,088.23
14.9Other 335.74 49.99
14.1Equipment 3,608.59 1,110.41
14.2Maintenance 87.98 616.06
72,671.68 67,973.88
30 COMMUNITY OUTREACH
15.1General Expenses 642.24 0.00
15.4Summer Festival 0.00 342.80
15.7Pancake Night 0.00 53.33
15.1Christmas Hampers 0.00 57.45
15.1Sensory Play 31.50 93.27
673.74 546.85
31 SUNDRY COSTS
16.1Other Expenditure 4,035.29 3,922.16
16.2Donations 0.00 0.00
16.4Sundry 62.00 37.00
16.5Bank Charges 335.00 335.00
16.1Hosting Diocese Meetings 250.47 536.11
16.1Examination Fee 480.00 420.00
16.1St. Mary's 0.00 0.00
16.1St. Paul's 0.00 0.00
16.1Payroll Services 1,140.00 1,092.00
16.2Miscellaneous Pastoral Expenses 48.00 27.65
6,350.76 6,369.92
32 CREATIVE HANDS
28.1Creative Hands Expenses 0.00
0.00 0.00
33 GET MEADGATE GARDENING
15.1Get Meadgate Gardening Expenses 756.47 137.73
756.47 137.73
35 EVANGELISM
26.4Christmas Booklets 0.00 200.00
0.00 200.00
36 17 PPARISH SHARE 66,479.52 63,500.64
37
GIFTS TO MISSIONS / CHARITIES
20.1Denisa Care Centre (was Hope For Kids)
1,000.00
20.2Samaritans Purse
1,000.00
20.5CADEF SYM
360.00
20.6Kintsugi Hope
0.00
20.9Bible Society
1,000.00
3,360.00
THE ORCHARDS LOAN REPAYMENTS
38 23.1Loan Repayments Principal
23.2Loan Repayments Interest
12,543.27
39 27.1COMMUNITY ASSIST
757.75
41
TEAM GB SHARED EXPENSES
29.2MMU Service For Families
5.44
29.4General Shared Expenses
1,052.59
1,058.03
TOTAL UNRESTRICTED EXPENDITURE
245,460.69
RESTRICTED EXPENDITURE
42
FUNDS RAISED FOR MISSION/CHARITY
Refer to
21.1Denisa Care Centre (was Hope For Kids)
Donations
1,239.10
Restricted 21.2 Denisa Care Centre (was Hope For Kids) -Income Tax
230.95
Funds
1,470.05
Summary
21.3Samaritans Purse
Donations
2,069.70
21.4 Samaritans Purse - Income Tax RecoveredIncome Tax
388.75
2,458.45
21.1Bible Society
Donations
889.75
21.12 Bible Society - Income Tax Recovered
Income Tax
138.75
1,028.50
21.1LMDC Charity
Donations
274.00
21.14 LMDC Charity - Income Tax Recovered
Income Tax
68.50
342.50
21.1Food Bank
Donations
269.50
21.16 Food Bank - Income Tax Recovered
Income Tax
142.50
412.00
CHESS
Donations
0.00
Income Tax
0.00
0.00
5,711.50
43
THE ORCHARDS PURCHASE FUND
Refer to
22.1Purchase Cost
0.00
Restricted 22.2Purchase Fees
0.00
Funds
22.3Fund Raising Events Costs
0.00
Summary
0.00
44
THE ORCHARDS REFURBISHMENT FUND
Refer to
24.1Refurbishment Works
46,148.98
Restricted 24.2Refurbishment Fees
0.00
Funds
46,148.98
Summary
TOTAL RESTRICTED EXPENDITURE
51,860.48		 Page 14
1,170.00
1,000.00
1,360.00
500.00
1,000.00
5,030.00
15,696.91
31.01
24.00
104.11
128.11
232,584.54
2,849.00
634.75
3,483.75
987.81
213.44
1,201.25
772.15
155.75
927.90
0.00
0.00
0.00
114.36
5.00
119.36
44.63
5.00
49.63
5,781.89
0.00
47,750.00
0.00
47,750.00
53,531.89

Page 15

BALANCE SHEET

TANGIBLE FIXED ASSETS

45 The Parade is held on a long lease and, as a dedicated building that is used for Church purposes, its leasehold value is not included in these accounts. Its insurance value in 2016 was £1,100,000.

The Orchards was purchased from Essex County Council (ECC) on 16 September 2020 for the sum of £650,000, with a further £12,080 incurred in legal fees. Although the Diocese is the custodian tustee holding the deeds, the purchase price plus fees has been added as a fixed asset on to the balance sheet, as Meadgate Church has taken out a loan for £260,000 from The Diocese to finance the purchase and has yet to repay the loan.

The loan is for 20 years at an interest rate of 2.5% above base. The monthly repayments commenced on the 1st October 2020, beginning at £1,390.45, increasing to £1,733.14 from January 2023 onwards, and increasing to £1,867.00 from January 2024 onwards.

It should also be noted that The Diocese, effective January 2026, has agreed to increase the loan to £400,000, to facilitate replacement of The Orchards' roof. Under the terms of the revised loan, the loan has been reset for a further twenty years commencing 01 January 2026, the interest rate reduced to 2% above base, and repayments will only increase once Meadgate draws down on the increased facility. Since there have been no draw downs of the increased facility as of 31 December 2025, the future loan repayments set out below reflect the current loan and not the increased facility.

Principal
Interest
Total
Loan Repayments:		 Principal
Interest
Total
Loan Repayments:		 Principal
Interest
Total
Loan Repayments:		 Principal
Interest
Total
Loan Repayments:
2020 repayments 2,487 1,685 4,171
2021 repayments 10,964 7,111 18,076
2022 repayments 20,330 8,626 28,956
2023 repayments 16,901 15,897 32,798
2024 repaments 18,707 15,697 34,404
2025 repayments 9,861 12,543 22,404
2026 repayments 11,431 10,973 22,404
Repayments beyond 2026 169,319 71,422 240,741
Total 260,000 143,954 403,954
Purchase Price(incl fees)
662,080
Original Loan
-260,000
Repayments to 31 Dec 2025
79,250
Net Asset Value,31 Dec 2025
481,330
The Orchards Net Asset Value:
The Orchards Net Asset Value:
Purchase Price(incl fees) 662,080
Original Loan -260,000
Repayments to 31 Dec 2025 79,250
Net Asset Value,31 Dec 2025 481,330
46 STAFF COSTS
2025
2024
Wages and salaries
69,849.67
63,925.23
Pension costs
958.44
547.20
70,808.11
64,472.43		 STAFF COSTS
2025
2024
Wages and salaries
69,849.67
63,925.23
Pension costs
958.44
547.20
70,808.11
64,472.43
64,472.43

The Church employed a part-time children and families worker (Sep onwards), a part-time administrator, a part-time community worker, three part-time catering outreach managers on a job share, three part-time catering assistants on a job share, and a part-time caretaker. The average number of FTE (full time equivalent) staff was 3.0.

47 DEBTORS
Gift Aid, General Fund 8,212.28 6,175.66
Gift Aid, Community Assist 142.50
Gift Aid, Restricted Funds 4,899.00 1,588.94
Other debtors 3,879.72 13,818.78
17,133.50 21,583.38
48 DEPOSIT ACCOUNT
CCLA 559.59 535.36
49 CURRENT ACCOUNT
Balance as per statement 115,836.28 80,010.30
less cheques not yet presented 0.00 0.00
Balance of Current Account as at 31/12/2025 115,836.28 80,010.30

Page 16

50 VOLOPA CARDS Opening balance 2,284.35 2,810.54 Loading 19,000.00 21,600.00 Spend 19,337.83 21,730.72 Closing balance 1,946.52 2,679.82 51 CREDITORS AND ACCRUED EXPENSES Funds raised for missions / charities 1,514.30 383.68 Other creditors and accruals 3,794.37 7,716.24 5,308.67 8,099.92

52 ANALYSIS OF GIFTS TO MISSIONS / CHARITIES
Payments in the year including both giving from the General Fund and donations by church members:
Overseas Overseas Home Total 2024
Mission Relief Societies
CADEF 360.00 360.00 1,360.00
Denisa Care Centre (was Hope For Kids) 2,470.05 2,470.05 4,653.75
Samaritans Purse 3,458.45 3,458.45 2,201.25
Bible Society 2,028.50 2,028.50 1,927.90
Kintsugi Hope 0.00 0.00 500.00
Food Bank 412.00 412.00 119.36
CHESS 0.00 0.00 49.63
LMDC Charity 342.50 342.50 0.00
0.00 7957.00 1114.50 9,071.50 10,811.89

53 PAYMENTS TO TRUSTEES AND RELATED PARTIES

Mr Jason Smart, a trustee, held the paid post of Café Manager until his retirement in September 2025. Jason Smart's wife, Mrs Sue Smart, has undertaken paid work in the Café.

Mrs Ros Coleridge, a trustee, has undertaken paid work in the Café.

Mrs Lorraine Smith, the wife of trustee Mr Paul Smith, holds the paid post of Administrator.

Mrs Stephanie Ridgwell, a trustee, took up the paid post of Children and Families Worker in September 2025. Mrs Ridgwell is the daughter of trustee Mr David Belbin.

Mr David Belbin, a trustee, is employed by an accountancy practice, which provides payroll services for Meadgate Church. The invoices for these payroll services are settled by Mr Belbin from his own personal funds, as a gift to Meadgate Church.

The following related parties have been reimbursed at one or more times during the year for various items which they purchased on behalf of Meadgate Church: Mrs Sheela Burrell, wife of trustee Malcolm Burrell; Mrs Lorraine Smith, wife of trustee Mr Paul Smith; Mr Eric Amundsen, father of trustee Mr Martin Amundsen; Mr Alan Parsons, husband of trustee Mrs Charlotte Parsons. In addition, Mr Alan Parsons was paid to erect a fence at Meadgate Church.

The following trustees have been reimbursed at one or more times during the year for various items which they purchased on behalf of Meadgate Church: Charlotte Parsons, Denise Hom, Duncan McKenzie, Jason Smart, John Kennett, Paul Smith, Rosalind Coleridge, Stephanie Ridgwell.

54
FUNDS TRANSFER
Transfer Description
Transfer of £500 from the GF to the
Community Garden Fund.
Transfer of £579 from the GF to the
Junior Church / Youth Fund.
Transfer of loan principal repayments to
the Orchards Purchase Fund.
Transfer of the cash balance of the
Orchards Purchase Fund to the Reserve
Fund for potential future additional loan
repayments.
Transfer of funds from the Reserve Fund
balance to the Refurb Fund for the main
hall roof refurb.
Transfer of £412 from the Community
Assist Fund to the Mission Fund being
the balance of donations received
together with Gift Aid less money spent
on hampers, for payment to The
Foodbank.
Annual transfer of £10,000 from the
General Fund to the Refurb Fund.
Transfer of Creative Hands balance to
Orchards Refurb Fund to leave fund
closing balance at £0.
Transfer of Café fund balance to leave
fund closing balance at £0.
Transfer of surplus from the General
Fund to the Reserve Fund to leave the
General Fund closing balance the same
as the opening balance.
Totals		 Page 17
General
Café
Reserve
Orchards
Purchase
Orchards
Refurb
Other
Funds
-500.00
500.00
-602.00
602.00
-9,860.73
9,860.73

2,484.23
-2,484.23

-8,511.83
8,511.83
0.00
-10,000.00
10,000.00
853.44
-853.44
4,883.79
-4,883.79
-9,627.54
9,627.54
-25,706.48
-4,883.79
3,599.94
19,365.27
248.56
7,376.50

55 GIFTS PAID TO RETIRING STAFF

The following amounts were paid to clergy and staff who were either retiring or leaving. All amounts paid out were 100% funded by donations from church members given specifically for the leaving gifts.

Benefactor Amount
Rev Tim Ball 1040.00
Rev Phil Sheldrake 751.41
Jason Smart 343.29

56 RECEIPTS IN ADVANCE HCRG, who let rooms at The Orchards, made two payments in April 2025 totalling £34,395 for 12 months hire running from mid March 2025 through to the end of March 2026. The amount attributable to 2026 is £8,137 and this is shown as Receipts in Advance under Current Liabilities.