MONM.O"UTH-
BAPTIST CHURCH
Knowing lesJs Better
Making le5Lf5 Known
MONMOUTH BAPTIST CHURCH
ANNUAL REPORT AND ACCOUNTS
January- December 2025
11
CONTENTS
Pages
Reference and Administratlve Details
Structure, Governance and Management
Objectlves and Actlvlties
Achievements and Performance
Church Activities
Church Gmups and Ministries
Statement of trustees responsibilities
Financial Review
Independent Examiner Report
Financial Statement
7-13
14-15
16
17-18
19
20-28

MONMOUTH BAPTIST CHURCH
Trustees, Annual Report
1 January to 31 December 2025
REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARrrY
Charity Name: Monmouth Baptist Church
Charity's Registered Address:
Monk Street, Monmouth, Monmouthshire, NP25 3LR
Charity Registration Number: 1180772
Trustees:
Revd Jonathan Greaves (Pastor)
Revd Bert Weenink (Associate Pastor)
Mr David Adams (Secretary) (appointed May 2025)
Mr Clive Wiggins (Treasurer) (appointed May 2025)
Ms Elizabeth Alderson (appolnted May 2024)
Mr Alan Cochran (appointed May 2025}
Mrs Helen Hopkins (appointed May 2024)
Mr James Endicott (appointed May 2023)
Mr Richard McLachlan (appointed May 2023)
Mr Michael North (appointed May 2023)
Mr Cliff Vandervelden (apwinted May 2025)
Prop•rty Trust•os:
The Baptist Union Corporation Limited Baptist House, 129 Broadway, Didcot, Oxfordshire OX11
8RT
Bankers:
Barclays Business Banking. Leicester LE87 2BB
United Trust Bank, 1 Ropemaker Street, London EC2Y 9AW
Monmouthshire Building Society, John Frost Square, NewporE NP20 1PX
Independent Examiner:
Ms Joanna Roderick. W J James & Co.. Brecon LD3 7DG
Annual Report for 1 January- 31 December 2025:
The trustees present their Annual Report and Financial Statements for the period 1 January-
31 December 2025.

STRUCTURE. GOVERNANCE AND MANAGEMENT
'The Church. means members of the charitable unincorporated a$S￿latIOn known as
MONm0￿H BAPTIST CHURCH. The Charlty Is govemed by an Approved Governing
Document. namely the Church Constitution, which was adopted on 12 August 2018 and slightly
revised on 12 February 2019 and 14 September 2021. Members of the Church are accepted in
accordance with the ConstitLrtion, which requires them to have been publicly baptised on the
profession of failh in Jesus Christ.
The Church Members, Meeting nonnally takes place five times a year and has responsibilty for
the overall policy of the Church. In accordance with the Constitution the members appoint
Deacons, who together with the Pastors. Secretary and Treasurer (who are also appointed by
the Members) make up the Trustees of the Church and are responsible for the day to day
running of the Church's work and witness, and the financial and legal aspects of the charity. All
members are encouraged to take an appropriate part in the spiritual and practical tasks involved
in the furtherance of the charitable objective.
The Secretary, Treasurer and Deacons are appointed for an initial three-year period, and they
are eligible for re-appointment after every three-yeartemi. New Trustees are made fully aware
of the requirements of the role, are referred to guidance provided by the Charity Commission
and the Baptist Union on the role of Trustees, and are advised and supported in their role by the
Pastors and Secretary. All Trustees have received Safeguarding training. A number of Trustees
have served in this role for many years, and so have gained significant experience in carying
out the role.
Relevant matters may be submitted to the Church Meeting by the Trustees for guidance, or may
be raised by members in the Church Meeting for further consideration by the Trustees. Though
the Constitution pemits decisions to be made at Church Meetings by appropriate majorities, the
Church seeks lo work by consensus wherever possible.
OBJECTIVES AND ACTivrriES
The principal objective of the charity is the advancement of the Christian faith according to the
principles of the Baptist denomination, lo Include the advancement of education. community
service and such other general charitable purposes in such parts of the United Kingdom and the
world as the Church shall determine.
The Church's aim is to show the love of Jesus Christ in both word and deed and to bring people
into a closer relationship with Him as living Lord: "Knowing Jesus Better, Making Jesus Known..
The Church's strategy is to achieve this aim through the provision of a variety of activities both
to its membership and to the wider community.
To pursue our strategy and achieve our aim, we seek with God's help to be prayerful and Bible-
believing, growing more like Jesus, and passionate to share the good news of the gospel.
Central to the work and witness of the Church is the provision of regular public services of
Christian worship. These services take place each Sunday at both 10.30am and 6.30pm. There
are also occasiorbal Se￿iceS at other times which are advertised on the Church Notice Board,
weekly news-sheet, social media, and the website at www.monmouthba
tistchurch.or
.uk.
There is a full children's programme during the morning seniices. The Church seeks to be a
friendly and welcoming community and anybody is free to attend any of the seNices.

The Church runs a series of Small Groups for the growth of faith and discipleship in the homes
of some members, and further details of these can be obtained from the Trustees on request, or
at the Sunday services of worship. From time to time the Church runs courses for people
interested in discovering more about Christianity, for example 'Christianity Explored, and '321,.
The Church runs various activities during the week, some aimed at partlcular age%roups and
others open to everyone.
For example, activities for children include 'Footprints Parents and Toddler Group. which meets
in the Church premises on Wednesday mornings, with the purpose of assisting the community
and demonstrating the love of Jesus Christ; the 'Links Youth Group, which meets on a Sunday
evening,. and mentoring of young people.
Adivities for older people include 'Songs of Praise,, alongside pastoral care and social groups.
Other activities, to whÈch all ages are invited, include 'Tuesday Coffee,, 'The Art Fringe. and
various social and sports activities.
The Church also supports a ministry In local schools, and supports the rural churches around
Monmouth, particularly through partnership with Norton and the Rural Churches fellowship.
The Pastors lead some of these activities, but aside from this, all of the activities are led and
supported by members and friends of the Church. working on a voluntary basis,
As a Church we recognise that safeguarding all children, young people and vulnerable adults at
risk is everyone's responsibility. and we take this seriously. The Church operates systems to
ensure that all people working with children, young people and vulnerable adults are
appropriately trained and vetted wilh regard to the Disclosure and Barring Service.
The Church has read the Charity Commission guidan￿ on public benefit and is satisfied that
the activities outlined above clearly demonstrate that the charity is providing a benefit to the
public.
ACHIEVEMENTS AND PERFORMANCE
The Church does not measure the success of its programmes only in numbers, Including
financial numbers, bLrt also in less tangible areas such as fellowship and encouragement. The
Trustees recognise that Ihese are difficuft to measure, but believe Ihat 2025 was a positive year
in the life of the Church in these and other areas.
During the year three people were baptised. Six people became Church members, three
following baptism and three by transfer from other fellowships. At 31 De￿mber 2025 the
membership stood al 63, the highest figure for many years.
Our Annual Report demonslrates the enthusiasm and commitment of our Church volunteers to
pursue our primary aim of 'knowing Jesus better and making Jesus known,. We are encouraged
that we have continued to see the congregation grow in all age groups, and have wider contact
with the community throughout the year. The average attendance at the Sunday morning
service is around 100 and the increase in committed membership is very encouraging.

As well as the regular ministries of the Church. we have run our Explore Course, the 321
Course, and were especially delighted to welcome Rico Tice for a weekend of sharing the Good
News to which we were able to invite friends. We have also supported people in getting to know
Jesus better through our Sunday ministry, and the continued men's and women's study groups
and other small group meetings.
The pastors Bert arKJ Jonathan continued lo oversee the work of the fellowship with the help of
deacons and many volunteers serving the Lord. Our regular ministries are listed below, but are
combined with a focus on the spiritual and emotional wellbeing for people in our community.
Prayer and worship are especially proven to be of personal benefit and we have enjoyed some
special prayer meetings which have helped the fellowship focus this year. We have also helped
people find faith in Jesus and express it in baptism.
We continued to engage with people's ideas of Christianty through an Art exhibition, hosted by
the Art Fringe which saw many visitors looking "Through the Eyes of Women. and a competition
for younger artists also attracted attention.
We have experimented with social media this year. In addition to our contact whatsapp, we
made use of video short clips on Instagram and Facebook whlch were popular, and continued
exploring an online way lo have a church directory.
This year we felt Challer￿ed about whether our overseas giving is going to church planting
projects as well as aid work, and have invited a number of speakers to help us consider new
work which we mbght supwrt.
A highlight of the year once again was the free Holiday Club for prrmary age children which was
run in a week in the summer this year on the theme of Epic Explorers, looking at the Good
News of Jesus in Mark's Gospel. 40-50 children came to at least one sesslon. Many volunteers
from the church make this possible. and some new families attended the special Sunday
service.
For our Anniversary services we welcomed Rev Jonathan Thomas who ww works wtih BBC
Radio Wales, and he led an excellent historical evening exploring the role of children in revival
and church in Wales, and he took our services on the Sunday.
Our building has continued to be used to support the community by being available to outside
groups. community groups and addiction support groups which rent our rooms. Following the
extensive floods in Monmouth and subsequent closure of affected community centres, we have
accommodated a number of additional groups until the ￿ntreS are open again. We also offered
spiritual support by offering bibles to people affected by the flooding, and we gave practical
support to the collective town efforts and individuals kwwn to us.
Another highlight of the year were our Christmas services. which included a special instrumental
electric guitar video, a service of carols across the ￿nturIeS with our newly fomied festival
Choir, and a wonderful ensemble of Usk Brass Band who led our traditional seNice.
We have also supported local Rural churches. with a paslor continuing to moderate for Ewyas
Harold. Bible Sludies offered at Pandy. and our regular partnership in mission with Norton.
Behind the scenes, Jonathan has initiated a Preaching Forum to encourage local preachers.
and the ministry in local preaching to Rural churches especially. We have found the resources
and video for the 'Equipped to Preach The Word, from the Proclamation Trust invaluable.
We have also partnered with local churches for the Easter Experience, Good Friday Witness
and with regional churches for joint-youth events. This year Jonathan attended a number of

FIEC meetings, as well as supporting the Baptist Association ministers meetings and now he
serves as a Trustee in the South Wales Association. Bert and Jonathan attended an
Association event highlighting the financial issues with the Baptist Union and as a church we
explored a new initiative about Mission put forward by the Baptist Union, responding to the
Union with our reservations about whether it was really a unifying document.
To mark 500 years since the publication of Tyndale's New Testament, Ihe first to be widely
circulated, we held an overnight read-a-thon to read through his New testament and video
streamed it on YouTube.
Once again people in the Church have been extremely generous in their giving to the work
here. as we receive no outside funding, and as a result we have supported work here and
around the worfd. We also underwrote the continued distribution of devotional books given to
Year 3 pupils in local schools in memory of Samuel Barker.
We look forward to continuing to seNe the Lord and our cornmunity knowing Jesus better and
making Him known in 2026.
Jonathan Greaves

CHURCH ACTIVITIES
The reports below provide more detail on some of the Church aclivrties held during the year.
Activities for Children Youn
Peo
le and Families
Footprfnts
Footprints continues to meet downstairs in the Centenary Room on Wednesday mornings in
lerm time. following Ihe familiar structure of free play with craft available linked to the Bible story
of the day, followed by snack for children and homemade cake for adults {inevitably eaten by
many of the children too!), a bit more free play, and then Bible story and song time. most often
led by Jonathan. From January to July 2025 we completed our look at the Baby Bible, and then
in September we begun a 7 week series looking at the '1 am, sayings of Jesus from John's
Gospel, followed by some Old Testament HeK)es, and finishing with four weeks on Chrislmas.
Numbers have been up since September, with a lovely group of mums, dads arKI grandparents,
who speak very highly of what a warm, friendly. welcoming group we are. We range between 12
and 18 families each week, but probably have 25 families who would come regularly. We were
delighted to see many at our Christmas Party, and five families joined the Christmas Experience
in town too. Maria joined the team in September and has been a fantastic addition.. welcomlng,
chatting and sharing with all who come through our doors. Chris Dennison and Mike North
arrive early to begin the set-up, followed by Ruth B, Rachel Smith, Jo and Jonathan.
Jo Walker
LINKS Youth Fellowshlp
Overview
This year has been an encouraging one for Links Youth Fellowship. We've seen growth in
numbers and consistency among our young people, which is a real blessing after starting from
very low attendance. Many of our regular attendees are currently In sixth fonn, so we anticipate
some changes in the coming year, but it's been wonderful to see their commitmenl and
enthusiasm.
Activities
Throughout the year, we've enjoyed a variety of activities designed to engage and challenge our
youth. including..
Games and discussions on relevant topics
Crafts and cookin
sessions
A walk to
ether. building fellowship outdoors
S ecial uest s
akers: Johnny from Brephos offered a thought-provoking discussion
and talk on the topic of abortion. Jonathan did a great session to consider the topic of
Halloween for Christians, which encouraged critical thinking.
These activities have provided opportunities for fun, leaming, and meaningful conversations
about faith and life.
Growth and Encouragement
It's been lovely to welcome some younger attendees in Year 7 and 8 who had previously been
hesitant or unable to join us. Seeing them now actively involved is a real encouragement for the
future of the group.
Leadership and Support
A huge thank you to Cat, Mand, Richard. and Olivia for their ongoing support and fellowship.
Despite family and personal changes and times of need. we've been able to juggle
responsibilities and ensure the group meets each week. The Baptist Church has been a
wonderful venue-intimate. comfortable. and supportive of our ministry.

Looking Ahead
While we expect some changes In numbers as older youth move on, we remain committed to
providing a welcoming space for young people to grow in faith and community. If you have a
topic that you'd like to explore with our youth, please do get in touch!
Olivia and Richard McLachlan
Sunday Club
It's a joy to have many children in our Sunday Club who finished the year perfonning a fantastic
Nativity to Ihe church. We pray they are a group who enjoy each otherfs company, are excited
to come to church and are able to leam more about our Heavenly Father and His great news for
us. Our format is still the same- all 3-11 year olds come downstairs for a joint'Assembly' of a
couple of video songs. a half temly memory verse and a biscuit. Then the 3-8 year olds
Beginners Group meet together, led by H8yley and Jo. and Fiona. who stepped down from
leading in July 2025. The 8-11 year olds Junior Group meet in the far end of the room, led by
Jess, Jeff and Chris.
We are still following Click material produced by the Good Book Company, and have been
following Units 5 and 6 this year. The Beginners Group is supported by a 'Third Adult, and the
Juniors by a 'Fourth Adult,: RLrth F, Ruth B, Michelle. Rachel L. Rachel S, Rachael A. Jim A.
Emma, Eileen, Barbara, Sophla and Liz. Finally. Roots happens roughly every other service
(not including All Age Services and Stay in Sundays) in the backroom led by James and Mand
for 11-14 year olds. They have been looking at the Identity of Jesus, plus a couple of games
and a snack during the sermon part of the service.
Jo Walker
Work In Schools
We continue to maintain our contact and ministry to schools. We rnjn regular school clubs for
exploring the Bible, through Lego and Scien￿ especially. Monday assemblies with the Open the
Book team are very popular. We seNe all local primary schools and the Independent School.
We continued our support for the ICE Wales local schools, worker, Stephanie Price.
Activities for adults
The Art Fringe
The Art Fringe is a weekly art club with an outreach airn, hosted at MBC arKI run by volunteers
from the MBC church community. The club is non-profit making, and we are continuing to run
effectively on the weekly £3.00 subs donation by attendees.
The Art Fringe aims to draw in those on the fringes of our Christian community who enjoy
participating in creative activities. We provide a non-threatening, safe, and very welcoming
sociable space. The club provides a therapeutic outlet for likeminded creatives, and the
opportunity to relax into art.
CU￿entlY the club is a mix of people who attend church regularly, have a connection with
church, orwho have no faith experience at all. We have 12-14 regular attendees with others
who dip In and out of sessions as commitments allow. The non-christians in our group are very
positive advocates for the club amongst their connections in Monmouth and beyond.
The Art Fringe has a presence on Instagram and Facebook where we post, with consent,
examples of work and the interaction be￿een our regular attendees. This helps to promote the
club locally and is a great way to further our outreach aim:
htt s:Ilwww.facebook.comltheartfrin
eclub and htt s:IlwMw.insta
ram.Gomltheartfrin
el

Every two years we aim to host an outreach art exhibition ￿ntred on International Women's
Day. This year we hosted the exhibition on the 2025 theme of #Accelerated Action. The title of
the exhibition "Through the Eyes of Women. invited female artists to look at what faith meant to
them, as seen through their eyes, from their perspective. The exhibition sought to create a
dialogue bel￿een Christians and non-christians and to honour and showcase women's
contribution to the Arts. We launched the exhibition with a quiz. and during the week hosted
several talks and workshops, creating an incredible number of ongoing conversations on the
topics of "Am l Enough?. and "Finding Peace in an Anxious World" The week was closed with
an evening ChU￿h service where all contributions to the service were from women of the church
community.
Thanks to the Rotary Club Monmouth who once again sponsored our Young Emerging Artist
Prize of £100 through their 'Empowering Girls Initiative. aimed at 11- to 22-year-olds.
Berna Pullen, Amanda Endicott, Rachel ￿llY
Tuesday Coffee Group
Tuesday Coffee Group have continued to meet during 2025, enjoying fellowship and spirltual
blessing. We are now at a new venue. supporting a new business. which is 'Clare and Bob's
Tearoom,, Beaufort Arms Shopping Arcade, Monmouth. Clare. Bob and Matthew have made us
very welcome and we helped them celebrate their first year of business.
Our numbers range from 17 to 20 each week and new faces Include Pat S, Maria W and Janet
R. We pray for Adrian S who has been very poorly recently and we miss him and Sue at coffee.
We look forward to the day they can join us again. Others loo have experienced health issues
this year and our prayers are with them. We were saddened by the loss of two friends during
2025.. Mike M and Christine s mother. Jean were called home to the Lord.
We thank Bert and his deputies, Ken and Mike, for delivering our'Food for Thought, faithfully
during the year.
As always, we welcome new faces, and continue to meet from 10 30 to 1130 each Tuesday
morning, and unofficially over the Christmas and New Year period. dependlng on opening
hours. We are grateful for this special time to rest. share and support each other.
Fiona Beber
Internet Outreach
The Church needs to develop Its online presence and use of social media, and began some
experimental things this year. We have a regular ministry through You Tube streaming on our
channel. and through Facebook.
Ladies, Bible Study
The Ladies Bible Studies continue to be a place open to all women, to explore the Bible,
discuss everyday life with Jesus and pray with each other. We completed our study of Acts in
July 2025 and in September 2025 we begun looking at Judges. We read a short section of the
'Judges For You, commentsry by Tim Keller in advance to aid our understanding and
discussion. There were 34 copies ordered in total, which is a very encouraging number of ladies
who attend either Tuesdays at Jo's house. Thursdays at Mand's, or Friday's at church led by
Cat. In total. 25 ladies enjoyed our annual trip to Lee Abbey. Devon in September. Do ask more
if you would like to join one of the groups!
Jo W81ker, Cat Barker and Amanda Endicott

io
Men's Bible Breakfast
Men's Breakfast on Friday momings has maintained a strong and fatthful following in 2025, wrth
excellent breakfasts and an efficient, dedicated. kitchen team. Regular bible study has taken us
back into Matthew from chapters 11-16, then in the summer Acts 15-19, from the Council of
Jerusalem (plus a look at Nicea (325AD) and the history of creeds), to Paul at Ephesus. In the
Autumn we looked at the Jacob saga. Genesis 28-50.
Studies have been led by a dozen different people. Several newcomers have joined, some
using our onllne faclllty, and the group warmly welcomes new fatss.
David Adams
Men's Coffee on Tuesday afternoons
Throughout 2025 we have been meeting with a group of men in Coffi Lab in Monnow Slreet. We
continued in 2025 as we were in 2024: meeting at 3pm, tslking about whatever came up, some-
times even having a spiritual conversation!
In the summer of 2025 there was a feeling that we could use our time better and have at least
15 minutes of sludying and discussing a Bible passage. We looked at a few one-off topics, but
then decided that we would take the plunge (a good Baptist word!) and look at a Bible book.
Courageously and unanimously. we decided to study the book of Job.
It was an interesting joumey. during which we fett sory for Job and frustrated with his three
friends who were great comforters until they opened their mouths to preach at Job, telling him
why he was having such a difficult time. We looked at how to help those who are suffering in a
more sympathetic and pastoral way. which encouraged us all.
As we looked at the final part of the book. we saw how Job stood in awe of God arKI admitted
that he had spoken of things he did not understand. things t¢xs wonderful for him to know. It was
right for us to also bow down in worship to the Crealor of heaven arKI earth.
We had to leave Coffi Lab as a result of the flood and are presently meeting at Claire and Bob's
tearoom where we have been made very welcome. We are studying the Book of Jonah. Any
man is very welcome to come aThJ join us!
James Endicott
Music Report
While most of our services are accompanied by a combination of piano and videos. we are also
blessed with enough willing musicians to make up more than one contemporary band. One or
other of these bands including singers leads the music approximately once a month.
Many of the Sunday Club children are leaming to play instruments and so we were delighted to
see a large number of them playing their instruments so competently to accompany the songs
during one of the morning services recently.
The original, traditional band of string, wind and brass instruments has lost players but also
gained a couple of new ones. It accompanies traditional hymns for special occasions, such as
Easter, Harvest and Christmas.
Ruth Owen
Songs of Praise
This has remained steady with approximately 12 people attendiw. mostly from outside of the
Church, and the support of Julia Phillips in providing refreshments each month and Ruth Owen
on Ihe plano. The group is of great benefit forfriendship and reflection on the background and

li
message of some of the most well-known hymns, and has moved venue due to Ihe Bridges
flooding, so is currently held in the Centenary Room.
Sports and Soclal Events
Pickleball continues to be a popular racket sport. We play indoors and all are welcome to join
us. Pickleball's unique selling point is that it can be learned in minutes without extensive coach-
ing. MBC now runs pickleball sessions on Monday and Wednesday evenings, and if you'd like
to know more then please reach out to Sean Lawson.
Men's football, as an outreach, grows from strength to strength, and we now have a
membership of 50 players (over 500/0 do not attend Monmouth Baptist Church), meeting weekly
on a Friday at Monmouth Lelsure Centre. If you are interested in joining us. then please reach
out to Jim Barker or James Endicott.
James Endicott
Monmouth and District Foodbank
The Monmouth and District Foodbank is overseen by Martin Howlett and the management is
well covered. with a lot of governance policies to update. The Foodbank has seen an increase
in use and a decline in donations during the year again. Funds mean food can be purchased.
but a fresh focus on inviting suitable donations has continued in 2025. The F¢)odbank opened
for 2 weeks most days to support people affected by the floodirYJ. We continue to give the
income the Church receives for the space rental to Christians Against Poverty. This year the MP
visited the Foodbank to listen to issues from our Foodbank and those in Chepstow and
Abergavenny.
Mission
BMS World Mission
This year the Church has continued to support BMS World Mission in theirwork woddwide, both
through our prayers and our glving. We specifically have links to Krishna and Dil, who are our
BMS partners living and working in Nepal, specifically lrying to improve education standards
there. We keep in touch with, and pray for. these two men and their families. who work with
BMS trying to improve education standards and introducing children to the love of Jesus. They
have seen considerable unrest in the country. Please keep these people in your thoughts and
prayers as they elect a new leader who they hope will lead the country in a just and fair way for
Mike North (BMS World Mission representative)
BMS World Mission Birthday Scheme
There are so many ways you can share God's love. The BMS World Misslon Birthday Scheme
is one of them. These words written on the inside of every BMS birthday card say it all. Each
year the Scheme raises around a quarter of a million pounds nationwide to fund projects
throughout the world, and we at Monmouth Baptist Church have a faithful band of willing givers
who support this vital work. This year we have welcomed two new members, taking the total to
25. Please speak to me if you would be interested in joining us.
Mike North (BMS Birthday Card Scheme Goordinator)
Operation Christmas Child
We were once again a drop off point for the Monmouth area and received 151 boxes in total.
These were taken to Cardrfs All Nations Centre ft)r processing before sending on to Central
Asia and Moldova. A total of 28,834 boxes were prO￿SSed from Cardiff this year, an incredible
8,000 increase on the year before. Thanks to everyone who helped make this happen.
Liz Simon

12
Rural Mission
The Church has a generous and sacrificial heart for the Rural communities. releasing Jonathan
to support Norton and cU￿entlY Moderate at Ewyas Harold, as well as supporting ministries in
various other Rural churches. This year. Jonathan visited the churches on a number of
consecutive Sundays which will be avoided if possible in future years. The churches are
appreciative and we have a number of members in the fellowship who also preach and take
services.
Servlng Our Streets
We have had a ￿asOnable year. Some Saturdays in the summer monlhs we have spoken to
around 75 people. parents and children. All are very grateful for the work we are carying out in
the town. We attended the fairground on two Saturdays in May". a reasonable number of
youngsters and adults were spoken to, but not as many as the year before.
One of our team was severely flooded in November and consequently could not join us for
about six weeks. She has now returned to help thankfully, as she is the lady who orders and
paints crosses. The church got a team together to help her with cleaning up her house, for
which she is very grateful.
We really need more helpers as this is such a worthwhlle work and we are
telling people about the good news of the gospel. Please consider if you could spare a couple
of hours on a Saturday aftemoon, even if it's 1 in 6 weeks that would be amazing. One of our
new volunteers does that. Thank you,
Cathy North
Tearfund
Tearfund is a Christian charity with over 50 years of experience in intemational development.
Their aim is to put an end to extreme poverty. They work directly, andlor alongside local
partners and churches, in underserved communities in more than 50 countries to tackle
complex poverty in three main ways:
Humanitarian res
onse.. Tearfund responds quickly to disasters and conflicts, supporting
those in greatest need throughout the recovery process.
Communit develo
ment: Tearfund partners with local churches and organlsatlons,
mobilising resources and empowering communities to lifl themselves out of poverty.
Advocac
and influencin
Tearfund helps individuals and churches speak out on issues
of poverty and injustice, and challenges unjust policies and practices at a local, national
and global level.
We continued to support Tearfund financially, this year through our Harvest offering which
raised £576.
Elaine Adams
Pastoral Care
'Therefore encourage one another and build each other up, just as in facl you are doing..
(1 Thessalonians 5.'11)
Jonathan and l are immensely grateful to our Pastoral Team as they continued to seNe the
Lord by supporting the Church family. I quote Mo Vandervelden, the team coordinator..
'During 2025 the Pastoral Team continued to serve the Lord by supporting the Church family.
We visited people in the Fellowship who have been unable to attend services for various
reasons. We escorted those who needed help to attend hospital appointrnents. We will continue
this important work in 2026."

13
°Therefore encourage one another and build each other up. just as in fact you a￿ doing."
(l Thessalonians 5.'11)
An important part of encouraging one another and building each other up. is pastoral care.
which includes visiting the sick, coniforting those who are grieving, strengthening those who are
struggling. and spending time with those who need encouragement. Pastors and visitors reach
out to members and to those who are not members of our church as we seek to be a blessing to
all who are part of our church community.
If you 8re in need of a visit, please make that known to Jonathan, to Mo, or to me and we will do
what we can.
Because of Jesus who loved us and gave Himself for us.
Bert Weenink
Safe
uardin
The DPS updated our safeguarding policy in May this year and has shared this with all workers
and the wider church. All paid staff and volunteers are expected to complete safeguarding
training. As part of our safer recruitment efforts, the DPS recomme￿ied that our volunteer forms
stipulate a 6-month time frame for mandatory safeguarding training at the required levels. This
is part of a probationary period that identifies the suitability of volunteers for our church
activities. Thanks to the DDPS, Jo Walker. for implementing this on the foms.
SWBA have released a New Level 1 Safeguarding Film, which has been updated and is now
available on the BUGB website. We plan to share this with the whole churth either during a
service or church meeting to make them aware that we take safeguarding seriously, and plan to
do this on an annual basis.
We all know that Safeguarding is an essential part of church life and we are committed to
ensuring we are up to date with legislation, government recommendations and best practice.
In 2024 Social Care Wales introduced Safeguarding Standards to ensure consistency in training
everyone in a role that supports children or adults at risk. These standards are applicable to
those working in faith-based settings.
To ensure Baptist churches in Wales are able to demonstrate alignmenl with govemment-
recommended best practice, and compliance with the Welsh Safeguarding Standards as part of
the Charity Commisslon expectations of Trustees within Charities, further safeguarding trainirKJ
will need to be undertaken by the church from January 2026.
I would like to take this opportunity to thank all those who help to ensure that children. youTrJ
people and vulnerable adults 8t risk are as safe as possible in our church.
Emma Lawson - Designated Person for Safeguarding (DPS)

14
CHURCH GROUPS AND MINISTRIES
DECEMBER 2025
Pastor
Rev Jonathan Greaves
Associate Pastor
Rev Bert Weenink
Art Fringe
Berna Pullen. Amanda Endicott, Rachel Lilly
Audio-visual cO￿rdinatorS
Jeff Bowman. Simon Beber
Bible Reading Notes
Fiona Beber
BMS World Misston
Mike North
BMS Wodd Mission Birthday SGheme
Mike North
Catering Coordinalor
Richard Coltart
Christianity Explained
Jonathan Greaves
Church Administration
Roger and Rebecca Clewett
Churches Together in Monmouth
Jonathan Greaves. Ruth Bingle
Cleaning
'Emma's Cleans, (outside company)
Coffee Coordinator
Richard Coltart
Communications and Publicity
Jonathan Greaves, Ruth Bingle
E-News
Rebecca Clewett
Eco-committee
Hywel Pullen
Electrical (PAT) Testing
Dave Mullins
Evangelical Alliance
Alan Cochran
Finance Administrators
Roger Clewett, James Endicott
Fire Alami Testing
Dave Mullins
Fire Safety
Alan Cochran
First Aid boxes
Alan Cochran
Flowers
Dave and Beth Frederick
Food Bank
Mary Harris

15
Footprints
Jo Walker
Health and Safety Coordinator
Jeff Bowman
Internet Editor
Ruth Bingle
Kitchen Management
Richard Coltart
Ladies Bible Study
Jo Walker, Cat Barker. Amanda Endicott.
Links Youth Fellowship
Olivia McLachlan, Richard McLachlan, Amanda
Endicott, Cat Barker
Men's Coffee
James Endicott
Men's Ministry
David Adams
Minutes Secretary
Elizabeth Alderson
Music Coordinator
Ruth Owen. Chris Walker
Operation Christmas Child
Liz Simon
Overseas Mission Prayer Communications Helen Hopkins
Pastoral Coordinator
Maureen Vandervelden
Posters
Simon Beber
Prayer Triplets
Helen Hopkins
Preaching Forum
Jonathan Greaves
Pulpit Secretary
Elaine Adams
Rotas
Richard Coltart, Jo Walker
Safeguarding
Emma Lawson, Jo Walker
Schools, Minislry
Jonathan Greaves
'Senfing our Streets, Coordinator
Cathy North
Songs of Praise
Jonathan Greaves. David Adams
Sports and Social Activities
James Endicott, Chris W81ker, JIM Barker
Sunday Club
Jo Walker
Tearfund
Elalne Adams
Tuesday Coffee
Fiona Beber
Whatsapp Administrators
Jonathan Greaves. Emma Lawson

16
STATEMENT OF TRUSTEES RESPONSIBILITIES
The trustees are responsible for preparing the Trustees. Annual Report and the financial state-
ments 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 the incoming resources and application of resources of the charity for that period.
In preparing these financial statements, the trustees are requlred to..
select suitable accountlng policies and then apply them consistently.
observe the methods and principles in the Charities SORP 2019 {FRS 102).
make judgements and estimates that are reasonable and prudent.,
state whether applicable accounting standards have been followed, subjectto any material
departures disclosed and explained in the financial statements;
prepare the financial statements on the going concem basis unless It is inappropriate to
presume that the charity will continue in operation.
The trustees are responsible for keeping proper accounting records that 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 Charities (Accounts and Reports)
Regulations 2008 and the provisions of the trust deed. They are also responsible for safeguarding
the assets of the charity and hence for taking reasonable steps for the prevention and delection
of fraud and other irregularities.

17
FINANCIAL REVIEW OF 2025
The fomat and content of the accounts are those requested by the Baptist Union of Great
Britain for churches with receipts exceeding £250,000 in an accounting year. The Church
received more than that amount in 2024. but not in 2025, the trustees opted to continue
producing their accounts on that basis.
In 2025 the Church was blessed with sufficienl funds to cary on its ministry as in previous
years and to pass on money to the Christian church outside Monmouth. The Church budgets to
give 100/0 of its expected income to Baptist organisations. The Church further expresses its part
in the life of the wider Christian church by making grants to national and intemational Christian
organisations. societies and individuals with Christian aims and objectives compatible with the
Church's own charitable purposes, the amounts given are shown in the accounts.
The Church does not seek funds to carry out its activities from outside its own membership,
congregation and users of its buildings.
The Church is heavily dependent on its congregation working as volunteers in all aspects of our
activities, many of which run with little or no impact on the Church's expenditure but,
nevertheless, contribute substsntially to the achievement of the Church's objectives and to the
public benefrt it provides.
The financial results for the year. together with a summary of the accounting policies adopted.
are set out in the accompanying financial statements. Income in 2025 was largely in line with
the budget except for a onewoff gift of £28,000, additional regular giving of £3,900 and rents
and interest of £9.000 more than budgeted came in.
In 2025 840/0 of the Church's income came from gift5 and legacies (2024., 94/0). Regular grfts
made by standing order increased by nearfy 60/0 in 2025, however, in real terns they only rose
to be at their average level in the period 2019 to 2024. One-off glfts were much less than in
2024. but still sufficient to prevent a deficit for 2025 appearing in these accounts.
Expenditure in 2025 was also largely in line with the budget for the year, the main exceptions
belng not spendlng anything on the repairs noted in the 2023 quinquennial review of the
buildings, but £9,600 more than was budgeted was spent on other necessary building related
work and £2,200 preparing for solar panels on the roof.
Net income, these words are used to describe the amount by which income exceeded
expenditure and depreciation combined, was £23,704 (2024: £93,033).
Repairs to the Church building and manse estimated as costing about £220.000 over the years
to 2028 remain outstanding.
The trustees retained their existing reserves policy of maintaining a working balance in each of
the Church's funds (except for Ihe Assistance Fund) of at least three months budgeted
expenditure for the year. In total at the end of 2025 across all its funds the Church had reserves
of £63,772 compared to a target of £45,618 (2024: £51,340 and £39,480 respectively). On top
of these reserves the Church had its buildings and £250,000 in short term bonds at the end of
2025 (2024: £245,636).
During 2025 management accounls which compared outcomes in each income and expenditure
ategory against the agreed budget for Ihe year and a brief report on the church finances were
circulated and discussed at each of the trustees, meetings. These meetings generally take
place eaGh month except August. An abbreviated financial report summarising the information

18
given to the trustees was given to members at each of their four meetings during the year and
at the Annual General Meeting.
Money held for specific purposes
Money in the Special Gift Fund, the Schoo15 Work and Training Fund and the Assistance Fund
is held for each of their individual purposes. There is money in the General Fund Ihat the
Church expects to use towards the repairs to the manse an(f Church building as set out in Ihe
2023 quinquennial review of the Church's buildings.
Investment policy.
The Church holds money in a way that it w*ll be available to meet anticipaled expenditure when
payment becomes due, subject to that requirement it seeks a good ￿tUrn on the money. In
addition lo routine expendilure. the Church is ready to SUPPOrt an additional minister and to pay
for building repairs. money for Ihese is invested in three tnonth and orie-year bonds with a
bank. Reserves, money that mighl be needed at short notice, is held in a building society
account and a non-interest bearing currenl account.
Detalls of any funds malerially In deficiL
There are no funds in deficit.
Exemptions from dlsclosure.
No exemptions from disclosure have been sought.
Funds held as a custodian
The Church held £987 (2024.. £9501 on behalf of Ihe Welsh Borders Learning Community. This
money is held in a Reslricted fund.
Clive Wiggins,
28 April 2026
urer.

19
MONMOUTH BAPTIST CHURCH
INDEPENDENT EXAMINER'S REPORT
YEAR ENDED 31 DECEMBER 2025
I report to the charity trustees on my examination of the accounts of the charity for the year
ended 31 December 2025 which are set OLrt on pages 20 to 28.
Responsibilities and basis of report
As the charity's trustees you are responsible for the preparation ofthe accounts in accordance
with the requirements of the Charities Act 2011 {Ihe Act,).
I report in respect of my examination of the charrty's accounts carried out under section 145
of the Act and in carrying out my exarnination I have followed all the applicable Directions
given by the Charity Commission under section 145(5)(b) of the Act.
Independent examiner's statement
I have completed my examination. I confirm thal no malerial matter5 have come to my
att8ntion in connection with the examination giving me cause to believe that in any material
respect..
accounting records were not kept in respect of the charity as required by section 130 of
the Act,. or
2. the acGounts do not accord with those records.
th8 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
matter consider8d as part of an independenl 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.
Jnwde4LI
Joanna Roderick ACA
WJ James & Co
Bishop House
10 Wheat Str88t
Brecon
Powys LD3 7DG
Date:

20
STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2025
Note Unrestricted Restrfcted
Funds
Funds
Total for
2025
Total for
2024
Income from
Gifts and Legacies
Investment Income
Charitable Activities
Trading Activities
Total Income
£136,202
£11,664
£2,151
£12,347
£162,364
£5,025
£236
£1,450
£0
£6,711
£141,227
£11.900
£3,601
£12,347
£169,075
£247,147
£9,883
£703
£10,721
£268,454
Expenditure
Charitable Activities
Total Expendlture
6t09
£141,539
£141,539
£3,832
£3,832
£145,371
£145,371
£175,421
£175,421
Net Income/lExpenditurel for
the year
£20.825
£2,879
£23,704
£93.033
Transfer between funds
io
£0
£0
£0
£0
Net Movement in Funds
£20,825
£2,879
£23.704
£93.033
Reconciliation of Funds
Total Funds Brought Forward
Total Funds Carrled FoThvard
£575,341
£596,166
£4,278
£7,157
£579.619
£603.323
£486,586
£579,619

21
BALANCE SHEETS
Notes
310ecember 2025
31 December 2024
Fixed Asset5
Tangible Fixed Assets
12
£281,953
£276,862
Current Assets
Debtors
Bank5 & Building
Society
13
14
£14,062
£313,772
£13,690
£297,791
£327,834
£311,481
Current Liabilltles
Creditors: amounts
falling due wlthin one
year
15
1£6,4641
1£8,7241
Net Current Assets
£321.370
£302,757
Total net assets
16
£603,323
£579,619
Charity Funds
Unrestricted
Re5trlcted
Total Charity Funds
17
18
£596,166
£7,157
£575,341
£4,278
£603,323
£579,619
The notes on pages 22 to 28 form an integral part of these financial statements.
These accounts were approved by the tiustees on11105 12026 and signed on their behalf by..
Signatures
Full names
Position
Jonathan David Greaves
Pastor
Clive Graha
Treasurer
ins

22
NOTES TO THE FINANCIAL STATEMENTS
Year ended 31 December 2025
l. Accountlng pollcles
a. Basis of preparation
These accounts have been prepared in accordance with the Charities Statement of Recommended Practice
Icharities SORP 20211 FR5102 and wlth the Charities Act 2011. Monmouth Baptist Church is a Registered
Charity, no. 1180772, and meets the definition of a public benefit entity under FR5102. Assets and liabilitie5
are initially recognised at historical cost or transaction value unless otherwise stated in the relevant
accounting policy notes.
The trustees chose to continue to use this basis even though in 2025 income had fallen below the threshold
to be required to produce accounts on this basis. They had had to use thls basis to produce 2024's accounts.
These accounts have been produced on a going concern basis as agreed bythe trustees.
b. Income recognltlon
All incoming resource5 are included in the Statement of Financial Activities when the church is legally entitled to the
income after any performance conditions have been met, the amount can be measured reliabty and it is probable
that the income will be received.
c. Glfts
Glfts to the Church are recognised when they are received. The income tax recoverable on Gift Aid
donations is recognised at the same time as the income is recognised.
d. Le8acies
Legacies are accounted for when they are received.
e. Investment income
The investment income is only interest. it is included in the accounts as it is accrued.
f. Expenditure recognition
All expenditure is accounted for on an accrua15 ba515. Expenditure is recognised where there is a legal
or constructive obligation to make payment5 to third parties, it is probable that settlement will be
required and that the obligation to pay can be measured reliably.
g. Cost of ralslng funds
The church does not make formal appeals for funds, therefore there is no expenditure on item5 of this
nature.
h. Grants recelved
These grants are recognised when they are received. A grant of £IOOfrom the Rotary Club of Mon-
mouth was received in 2025 to finance a prize for an exhibit in an art exhibition in the church bulldlng.
No grants were received in 2024.
l. Grants payable
The Church makes grants to other organisations whose charitable objettives complement its work.
Grants are accounted for when they are paid over.

23
j. Support costs
Support costs are those that assist the work of the church but do not directly represent charitable
activities and include ofFice and governance costs. Most of the management is carried out without
charge by volunteers. This intangible cost is not included in the Statement of Financial Artivities
Since there is no rneasurable cost to the volunteers for their service.
Support costs are considered to be wholly attributable to the Establishment activitv.
k. Allocation of expendlture between artlvities
All expenditure has been categorised as Ministry, Mission, Establishment or Support Costs. Expendi-
tures that could readily be related to pay were split between Ministry, Mission and Establishment based
on the approximate amount of tirne expended on each.
Flxed assets
The church premises, manse and Wyesham Hall are all stated at cost.
The church is the beneficial owner {subject to relevant trusts) of these a55ets, the legal title to which is
held by the Church's custodian trustee, the Baptist Union Corporation Ltd. These assets are shown at
their net book value on the relevant date. Incomplete improvements to building5 are valued at the
cost incurred by the year end.
Depreclatlon has been charged on the original cost of the church building, major assets in it and on
the manse. Subsequent major building improvement expenditure is included at cost less accumulated
depreciation.
Assets are capitalised where the cost of the asset is £10,000 or more.
Depreciation is calculated to write off the cost down to zero on a straight-line basis over the expected
useful life of the asset at the following rates:
Brick and stone buildings and the organ:
1% over 100 years
Wooden buildings:
2% over 50 years
Lift, furniture and internal decoration:
5% over 20 years
Computers and audio-visual equipment: IO% over 10 years
m. Debtors
The amount shown as owed to the church is the full amount owed plus the proportion of goods and ser-
vices that had been pre-paid for at the year end. A credit note for £400 froTll a company assisting the
church with planning for the possibility of havin8 501ar panels on the church's roof has not been included
as there 15 uncertainty over whether this work will be carried through.
n. Credltors
The amount shown as owed bythe church are the full amounts the church owes plus the proportion of
amounts paid for goods and services but not yet provided at the year end.
o. Financlal Instruments
Financial instruments are the bank and building society deposits shown on the balance sheet and three
fixed term bonds which are with a different bank. Other financial liabilities are trade creditors and
accruals resulting from ordinary actlvities. All financial instruments are payable or receivable within one
year and therefore measured at the undiscounted amount of cash or consideration expected to be paid
or received. There are no expenses related to these financial assets and liabilitles.

24
p. Employee benefits
The Church is a participating employer in the Baptist Pension Scheme I'the Scheme"), which 15 a separate
legal entity administered by the Pension Trustee (Baptist Pension Trust Limited). The assets of the Scheme
are held separately from those of this and other participating employers. Since l January 2012 benefits
have been provided through a Defined Contribution (DCI Plan under which the church pays fixed
contrlbutions to this Scheme.
The Scheme was closed to future accrual of defined benefits on 31 December 2011. On 30th June 2022
the Baptist Pension Scheme signed an agreement with the insurance company Just Group l Just") to
Secure the Defined Benefit IDBI members, pension benefits. Followingthat transaction the Scheme no
longer had a shortfall, an updated recovery plan provided for contributions from each participating
employer in the DB Plan, those payments ended in October 2024.
Pension contributions are recognised as an expense when they are due, in 2025 they were £5,155
12024: £5,786).
q. Funds
The Fixed Asset Fund consists of the fixed assets of the church. Unrestricted funds are the Flxed Assets
Fund and the General Fund, these are the funds that are not subject to any restrictions regarding their
use and are avallable for the general purposes of the Church. Designated funds are fvnds that have
been designated by the trustees for particular purposes, the trustees reflect the non-binding wishes
of donors in deciding the specific purposes they are used for.
Restricted funds are funds that can only be used in a way that reflects the binding wishes of the donor.
2. Glftsi grants recelved and legacles
Unrestrirted Restricted
Funds
Funds
£72.996
£44.964
£18,142
£100
£0
£136,202
Total for
2025
£0
£72.996
£4.922
£49,886
£103
£18,245
£0
£100
£0
£0
£5,025 £141,227
Total for
2024
£69,048
£155,270
£18,829
£0
Regular gifts to the Church by standing order
Other gifts to the Church excluding legacies
Gift Aid Tax refund5
Grants received
Legacles
Total las in the SOFA}
£4,C
£247.147
3. Investment Income
Unrestrlcted Restrltted
Funds
Funds
£770
£236
£10,894
£0
£11,664
£236
Total for
2025
£1,006
£10,894
£11,900
Total for
2024
£1,497
£8,386
£9,883
Building Society interest
Interest on short-terrn bonds
Total las in SOFA)

25
4. Income from Charitable Activities
Unrestritted Restrlrted
Funds
Funds
£544
£0
£367
£0
£140
£0
£900
£0
£200
£0
£0
£1,450
£2,151
£1,450
Total for
2025
£544
£367
£140
£900
£200
£1,450
£3.601
Total for
2024
£541
£162
£0
£0
£0
£0
£703
Child and carer group
Moderation of Ewyas Harold Baptist Church
Residual amount from Bri8ade closure
Insurance claim for a building repair
Art Exhibition receipts, excluding sales
Assistance Fund repayment
Total las in the SOFA)
S. Income from Tradlng
Unrestrlcted Restricted Total for
Funds
Funds
2025
£11,898
£0
£11,898
£449
£0
£449
Totsl for
2024
£10,721
£0
Income from lettin6 the Church'5 premises
Receipts to pass on to art15ts from the sale
of their work
Total las in the SOFA)
£12,347
£0
£12,347
£10,721
6. Expenditure on Charltable Actlvltles
Unrestricted Restricted
Funds
Funds
£35,272
£3,832
£64,353
£0
£41.914
£0
£141.539
£3,832
Total for
2025
£39,104
£64.353
£41.914
£145,371
Total for
2024
£35.409
£78,433
£61,579
£175,421
Ministry
Mission
Establishment
Total la5 in the SOFA)
The Church does not incur fundraising costs.
7. Support costs
Unrestrlcted Restricted Total for
Fund5
Funds
2025
Total for
2024
Cleanin8
Subscriptions and licences
Photocopying
Website
Telephone and postage
Bank charges
Independent examination of accounts
Non-employee Training
DBS report for an employee
£2,655
£1,739
£605
£175
£567
£168
£1,080
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£2,655
£1.739
£605
£175
£567
£168
£1,080
£0
£0
£1,804
£1,863
£622
£193
£572
£203
£264
£646
£38
Total
£6,989
£0
£6.989
£6,205

26
8. Total Expenditure
Actlvlties
undertaken
dlrertly
£39,104
£42,122
£34.925
£116,151
Grant fund-
Sng of activi-
tie5
Support
Costs
Total for
2025
Total for
2024
Ministry
Mission
Establishment
Total
£0
£22,231
£0
£22,231
£0
£39,104
£0
£64,353
£6,989
£41,914
£6,989 £145,371
£35.409
£78.433
£61,579
£175.421
9. Grant Funding
Unrestricted Restrirted
Funds
Funds
£5,950
£0
£6,040
£0
£2.600
£0
£1.700
£0
£500
£0
£1,507
£0
£303
£0
£0
£0
£0
£0
£1,950
£0
£1,681
£0
£0
£0
£22.231
£0
Total for
2025
£5,950
£6.040
£2.600
£1.700
£500
£1,507
£303
£0
£0
£1,950
£1,681
£0
£22,231
Total for
2024
£6,000
£7,313
£2,600
£1.700
£1,000
£1,125
£0
£1,123
£500
£1,000
£963
£100
£23,424
Baptist Home Mission
BMS World Mission
Ministry in Brittanv
Christians A8ainst Poverty
People International
Ministry in Moldova
Meninadanca
Graln of Wheat
European Missionary Fellowship
Princeton Anglican Church, New Jerseyi USA
Tearfund
Grant5 of less than £150 each
Total
10. Transfers between funds
None in 202512024 none).
11. Staff costs
Total for 2025
£52,165
£390
£5.155
£3,261
£60,971
Total for 2024
£63,285
£672
£5,786
£2,987
£72,730
Salaries
Social Security Costs
Pension costs
Manse energy costs that are not considered as expenses
Total
The average number of employees during the year was 2.0, their hours made them the equivalent
of 1.4 full-time employees12024: 2.8 and 2.0 respectively).
No employee received emoluments in excess of £60,000 during the year.
Two of the trustees. Jonathan Greaves and Bert Weenink, were employees of the church throughout
2025. Rev. Greaves, remuneration was a salary of £40,335 and pension contributions of £5,155.
{2024'. £39.009 and £4,885 respectively). Rev. Weenink's remuneration was a salaryof £11,830
{in 2024 after he became a trustee during November 2024 it wa5 £1,249), no pension contributions
were made in respect of him.
No other trustees received any remuneration or expenses.

27
12. Tanglble Fixed A55ets
Churth
premises
Manse
Wyesham
Hall
Furniture
and frt-
tSngs
Computers
and
equlpment
Totsl
Valuation
At l January 2025
Additions
At 31 December 2025
£372,600
£5,770
£0 £14,048
£372,600 £19,818
£535
£0
£535
£15,000
£0
£15,000
£65,325
£0
£65.325
£459,230
£14,048
£473,278
Depreciation
At l January 2025
Depreciation during
2025
At 31 December 2025
£131,595 £3,977
£2,900
£54
£500
£0
£12,750
£750
£33,546
£5,253
£182,368
£8,9S7
£134,495 £4,031
£500
£13,500
£38,799
£191,325
Net Book Value
At l January 2025
At 31 December 2025
£241,005 £1,793
£238,IOS £15,787
£35
£35
£2,250
£1,500
£31,779
£26,526
£276,862
£281,953
13. Debtors
At 31.12.25
£4,235
£3.483
£3,782
£2,562
£14.062
At 31.12.24
£3,879
£4,458
£3,591
£1,762
£13,690
HMRC Gift Aid income tax refund due
Building society and short term bond accrued interest
Insurance premiums paid in advance
Other iterns each of le55 than £1,000
Total
14. Balances with banks and a bulldlng sodety
At 31.12.25
£5,772
£58,(KJO
£250,000
£313,772
At 31.12.24
£4,155
£48,000
£245,636
£297,791
Bank current account
uilding society account
Fixed Term Bonds with a bank
Total
15. Credltors.. Amounts Falllng Due Wtthln One Year
At 31.12.25
£2.863
At 31.12.24
£4.599
Income tax and Employee's National Insurance contributions
due to HMRC in the following January
Mission Gifts not yet passed on at the end of the year
Utility bill payments outstanding at the end of the year
Other accruals for future payments each of less than £l.000
Total
£2,457
£372
£772
£6,464
£842
£2,059
£1,224
£8,724

28
16. Analysls of Net Assets
Flxed assets
Current
assets
£320,677
£7,157
£327,834
Current
Ilabilities
1£6,4641
£0
1£6,4641
Total at
31.12.2025
£596,166
£7.157
£603,323
Unrestricted funds
Restricted funds
Total, all funds
£281,953
£0
£281,953
17. Unrestricted Funds
Fund at
1.1.2025
£180.272 £156,806
£276,862
£0
Income
Expenditure
Net income/ Transfers
Fund at
(expendlture) to/{from1 31.12.2025
£47,091 1£14.0481
£213,315
1£8,9571 £14,048
£281,953
General Fund
Fixed Assets Fund
Designated Funds:
Special Gift Fund
Schools Work and
Training FLtnd
Total
1£109,7151
1£8,9571
£108.129
£10,078
£3,825
£1,733
1£19,4971
1£3,3701
1£15,6721
1£1,6371
£0
£0
£92,457
£8,441
£575,341 £162,364
1£141,5391
£20,825
£0
£596,166
General Fund: This is used for the dayto day income and expenditure of the Church.
Flxed Assets Fund: This contains the net book value of the Church's fixed assets.
Special Gift Fund.. This contains money given to pay for an additional minister or church worker. That
part of the gifts made to this fund to payfor the renewal of audio-visual equipment has now been spent.
Schools Work and Training Fund: This fund is used for specifically Christian work in schools in the wider
Monmouth 3rea.
18. Restricted Funds
Fund at
1.1.2025
£3,328
£950
Income
Expendlture
Net incomel Transfers
Fund at
(expenditure) tollfrom) 31.12.2025
£2,842
£0
£6.170
£37
£0
£987
Assistance Fund
Welsh Borders Learn-
Ing Community Fund
Total
£6,674
£37
1£3,8321
£0
£4,278
£6,711
1£3,8321
£2,879
£0
£7,157
Asslstance Fund: This fund is available as needed within the fellowship on a confidential basis as
determined by our pastors.
Welsh Borders Learning Communlty Fund: This fund holds money on behalf of that entity. it is available
to return to it on request.