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2026-03-31-accounts

Charity Name

No (if any)

Cardea Community Church

CC16a

Receipts and payments accounts

For the period Period start date from 1st April 2025

Period end date 31st March 2026

To

Section A Receipts and payments

Section A Receipts and payments
A1 Receipts
Donations
14,743
Stewardship
35,898
Impact Giving
-
Refund
-
-
-
-
-
50,641
-
-
Sub total -
Total receipts 50,641
A3 Payments
Equipment
25
Legal andprofessional
475
Salaries
40,629
Mission
-
Food event
788
Rent and Lease
6,735
Training
-
Advertising
766
Travel expenses
100
Bank charges
4
Charitable Contributions
2,435
Commisions and Fees
332
Dues and Subscriptions
237
Gifts
300
Insurance
394
Meals and Entertainment
300
Office expenses
309
Supplies
404
-
-
54,233
-
Sub total -
Total payments 54,233
Net of receipts/(payments) - 3,592
A5 Transfers between funds
-
A6 Cash funds last year end
23,159
Cash funds this year end 19,567
Unrestricted
funds
to the nearest £
Sub total(Gross income for AR)
A2 Asset and investment sales,
(see table).
A4 Asset and investment
purchases, (see table)
Music Equipment purchased in
previousyear		 to the nearest £
Restricted
funds		 to the nearest £
Endowment
funds		 Total funds
to the nearest £		 Last year
to the nearest £
-
-
-
-
-
-
-
-
-		 -
-
-
-
-
-
-
-
-		 14,743
35,898
-
-
-
-
-
-
50,641		 20,141
26,562
-
-
-
-
-
-
46,703
-
-
-		 -
-
-
-
-
-		 -
-
-
- - 50,641 46,703
-
-
-
-
-
-
-
-
-
-		 -
-
-
-
-
-
-
-
-
-		 25
475
40,629
-
788
6,735
-
766
100
4
2,435
332
237
300
394
300
309
404
-
-
-
-
54,233		 1,671
1,132
32,644
3,000
664
6,800
-
1,186
550
-
-
47,647
-
-
-		 -
-
-		 -
-
-		 -
-
- - 54,233 47,647
-
-
-
-		 -
-
-
-		 - 3,592
-
23,159
19,567		 - 944
-
24,103
23,159

Section B Statement of assets and liabilities at the end of the period

Categories
B1 Cash funds
B2 Other monetary assets
B3 Investment assets
B5 Liabilities
B4 Assets retained for the
charity’s own use
Signed by one or two trustees on
behalf of all the trustees		 Details
Bank Account
Details
Details
Details
Music Equipment
Details
Signature
Total cash funds
(agree balances with receipts and payments
account(s))		 to nearest £
to nearest £
19,567
-
-
-
-
-
19,567
-
OK
OK
to nearest £
to nearest £
-
-
-
-
-
-
-
-
-
-
-
-
Cost (optional)
-
-
-
-
-
Cost (optional)
General
2,785
-
-
-
-
-
-
-
-
-
-
-
-
-
Print Name
BarryDidcott
Unrestricted
funds
Restricted
funds
Unrestricted
funds
Restricted
funds
Fund to which
asset belongs
Fund to which
asset belongs
Fund to which
liability relates
Amount due
(optional)		 to nearest £
Endowment
funds
-
-
-
-
OK
to nearest £
Endowment
funds
-
-
-
-
-
-
Current value
(optional)
-
-
-
-
-
Current value
(optional)
-
-
-
-
-
-
-
-
-
When due
(optional)
Date of
approval
BarryDidcott

Independent examiner’s report on the accounts

Report to the Trustees of Cardea Community Church on accounts for the year ended 31st March 2026.

Respective responsibilities of Trustees and Examiner

The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider that an audit is not required for this year under section 144 of the Charities Act 2011 (“the Charities Act”) and that an independent examination is needed.

It is my responsibility to:

Basis of Independent Examiner’s Statement

My examination was carried out in accordance with general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters set out in the statement below.

Independent Statement

In connection with my examination, no matter has come to my attention examiner’s statement

  1. which gives me reasonable cause to believe that in, any material respect, the requirements:

  2. to keep accounting records in accordance with section 130 of the Charities Act; and

  3. to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act

have not been met; or

  1. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Dudley Peacham

23 Park Street, Dunstable, Beds, LU61NL

15[th] June 2026

Appendix 1 – Analytical Overview

Section A– Income totalling £50,641 - all in unrestricted funds. Lloyds bank statements – 30-98-90 17403868, viewed to evidence income. Largely from standing orders of individual givers and Stewardship giving. This represents an increase of £3,938 (108%), from £46,703 the previous year.

Expenditure totalling £54,108 – again all in unrestricted funds. Payments evidenced through the bank statement, with copies of receipts seen. This represents an increase of £6,460 (114%) from £47,648 the previous year.

The bank statement evidences a balance as at 31/03/26 of £19,566.45 Section B1 – Cash Funds detail a year-end balance of £19,566. All cash assets are held in the bank account. Section B4 – Assets retained for the charity’s own use detail assets purchased in a previous financial year of £2,785. This was a purchase of music equipment that is being depreciated on a 3-year straight line method and has been valued at £0 at the end of financial year.

Total depreciation at the end of the year is £2,785. The asset is now fully depreciated.

Appendix 2 CHARITY COMMISSION FOR ENGLAND AND WALES Cardoa Communlty Church Receipts and payments accounts CC16a For the perfod from To 1stA ri12025 31st March 2026 Section A Receipts and payments Unre$tri¢ted fund8 tot￿ ngar••t Rostricted fund5 Endowment funds to Ihe neareit E Total funds Last yoar to tho m&resl t to t￿ no•re•t £ totho n￿￿*£ A1 Recei DDnalions Slwrdshi 14743 35.898 14,743 35.898 20,141 26,562 R&fund Sub total(Gross income forAR) 50.641 50.641 46.703 A2 Asset and Investment 8al88. see tablo . Sub total Totalr•e8tys 50.641 50,641 46,703 A3Pa m•nt$ EquipTh¥nl Legal piofesslonBI Salarie$ 25 475 40,629 25 475 40.629 1,132 32.645 3.000 Sslon Food event RBnt and Lèa$è 788 735 788 6.735 6.800 AdvertL4i Travpl expens8$ Bank char9es Chariiable Coniilbulknns CDM￿&10ns and F88S [￿eS and SubscriplvJns 766 766 1,186 100 100 2,43S 332 237 300 2,43S 332 237 300 InsuTanc8 als and Enlertainrrnnl Ollice expenses 300 300 Indepgndgnl ExarThner 190 S4,233 $4,233 47,648

A4 Ass•t and invèstmènt purchas85. (see tabl81 Music Equipmènt purehas•d in previous year Sub total Totalpayments 54.233 54,233 47,648 Net of re¢elpts/(payments) AS Transf•rs b•tw••n funds A6 Cash funds last y•ar •nd Cash funds this year end 3,552 3.592 945 23,159 19,567 23,159 19.567 24,104 23,159 Section B Statement of assets and liabilities at the end of the period Unrestricted fund$ to n•ar•st £ Restricted fund5 Endowrnent fund$ n•ar•$t £ Cat talls n•ar•¥t £ B1 Cash funds Bank Account 19,567 Totalcash funds 19,567 I￿£￿t4￿￿wIthr*dEts W￿￿mer￿s thx￿1$1} Unrestricted funds Restrfcted funds Endowment funds Details to Marest £ to Marest £ to nearest £ B2 Olher monetary assets

FurKI towhlch ass•t l¢ry Currert valu? Details Fund low￿ch 888•t l¢xfjs ri•rt val Detai15 Thlu$i¢ Equlwent B4 Assets retalned ftx tho charity's own use Ggneral 2.785 F-rii- Fund towhlch Ilat411ty r•lat•i V•thEn lowonoll Detai15 B5 Uabllltles S¢ned by onè orfv￿ tnJstee$ on b8haW of all the tNste88 S￿natUr9 Print Nam& Oate of approval 0￿cOtt

Appendix 3

Financial records are recorded using Lloyds Bank online software, recording every entry in and out individually.

Entries are downloaded from Lloyds online banking and allocated to the appropriate category and fund.

Gift aid declarations were not viewed this year, these must be retained and it is good practice to ensure that these are kept up to date with old or deceased donors records being stored separately and then destroyed after a period.

Again, this year the Charity Commission template has been followed, the accounts include details of designated, restricted, unrestricted and endowment funds, giving the opening balance, movement throughout the year and the closing balance.

Appendix 4

The church meets in premises rented (they meet in St Michaels School, a local school as this allows them sufficient space to meet) on a twice weekly basis (Sundays and mid-week prayer meetings) with some use of Cardea Community Sports Association, the local sports community hall for youth work, there is no ongoing commitment as the premises are rented on a week-to-week basis.

This is around £90 per week for the school and £20 per week for the sports centre, there are more than sufficient cash reserves available to meet that liability in the general fund.

The church employs one pastor full-time, they have been blessed and church growth has been maintained, they have been able to give consideration to the commitment of his ongoing employment. The church has a reserves policy to maintain 3 months expenditure.

Appendix 5

Income

BACS Credit £2,405.96 from ‘STWDSHP 03949649’ dated 6th May. Included as ‘Other Income’. BACS Credit £100.00 from ‘James & Katie Wood’ dated 23rd Sep. Included as ‘Other Income’ BACS Credit £122.00 from ‘Oliver Totaro’ dated 1st Dec. Included as ‘Standing Order’. BACS credit £50.00 from ‘ MISC CUSTOMER’ dated 20th Feb Included as ‘Post Office Cash/Cheques’.

Expenditure

BACS payment to ‘ Lauren Godfrey’. £8.99 dated 15th May. Included as ‘Cardea Kids Materials’. Receipt evidenced.

BACS payment to ‘Cardea Community Sports Association’ £20.00 dated 29th Aug. Included as ‘Other Rent’. BACS payment to ‘Stewardship Payroll’ for £3,879.19 dated 22nd Dec. Included as ‘Employee Salary or Wage’.

BACS payment to ‘ Barry Didcott ’ £33.89 dated 12[th] Mar. Included as ‘Office Expenses’. Cups from Amazon, receipt evidenced.

Cardea Community Church

Trustees’ Annual Report March 2026

Introduction

The Cardea Community Church Trustees present their annual report and financial statements for the year ended 31st March 2026. The trustees are responsible for preparing the report and the financial statements in accordance with charity law and the requirements of the Church constitution.

Structure, Governance, and Management

The governance of the Church is overseen by six trustees who meet regularly throughout the year to ensure compliance with the governing documents, legal, and regulatory requirements. The trustees oversee the Church's activities, ensuring they align with the charitable objectives and values of the Church.

A women’s and families’ worker has been appointed during the year to further the work of the church particularly in those areas.

Achievements and Activities

Throughout the year, Cardea Community Church continued its commitment to serving the community through various activities and regular worship services each Sunday. Highlights include regular Sunday worship services, which includes special activities for the children, and a regular meeting each Thursday within a local community space. These meetings are open to the community and we've seen a number of new members of the community join us throughout the year. We also ran two carol services at Christmas, one specifically aimed at families with children, and we have continued to run a Tots group during term time which is well attended within the community. A youth work on Friday evenings has commenced, serving the young people of the church.

Financial Review

The financial statements, included, present a true and fair view of the Church’s financial position. The Church’s income mainly comprises donations from regular attendees. Expenditure primarily supports the running of the Church including hall hire, staff costs, and outreach activities such as the Tots group.

Risk Management and Future Plans

The trustees actively identify and manage risks that could impact the Church's operations.

Looking ahead, plans include a change of pastor due to retirement.

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Conclusion

The trustees express their gratitude to all who have supported the Church’s work through donations, time, and dedication. The commitment of the congregation and supporters is invaluable and greatly appreciated.

Signed on behalf of the Trustees:

Trustee Name/Position – Steve Hales – Trustee

Date – 8th August 2026

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