**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:
- examine the accounts under section 145 of the Charities Act,
- to follow the procedures laid down in the general Directions given by the Charity Commission (under section 145(5)(b) of the Charities Act, and
- to state whether particular matters have come to my attention.
## **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:
- to keep accounting records in accordance with section 130 of the Charities Act; and
- to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act
have not been met; or
2. 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£t4wIthr*dEts Wmers thx1$1}
Unrestricted
funds
Restrfcted funds
Endowment
funds
Details
to Marest £
to Marest £
to nearest £
B2 Olher monetary assets
FurKI towhlch ass•t
l¢ry
Currert valu?
Details
Fund lowch 888•t
l¢xfjs
ri•rt val
Detai15
Thlu$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
SnatUr9
Print Nam&
Oate of approval
0cOtt
## **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.
**PAGE** 1 **OF** 2
## **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
**PAGE** 2 **OF** 2