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2025-08-31-accounts

MOSAIC CHURCH BANGOR

ANNUAL REPORT AND STATEMENT OF ACCOUNTS FOR THE YEAR ENDED 31ST AUGUST 2025

CHARITY REGISTRATION No. 1198051

Independent Examiners Ltd The Grain Store, Hills Barns Appledram Lane South Chichester, West Sussex PO20 7EG

MOSAIC CHURCH BANGOR

CONTENTS

Page 3 Legal and Administrative Information Pages 4 to 10 Trustees' Annual Report Page 11 Independent Examiner's Report on the accounts Page 12 Statement of Receipts and Payments Page 13 Statement of Assets and Liabilities Pages 14 to 17 Notes to the Accounts

2

MOSAIC CHURCH BANGOR

LEGAL AND ADMINISTRATIVE INFORMATION

CHARITY NUMBER

1198051

START OF FINANCIAL YEAR

END OF FINANCIAL YEAR

TRUSTEES SERVING DURING AND AFTER THE YEAR

1st September 2024 31st August 2025 Dr Kevin Mundy Mrs Catherine Mary Mitchell Mr Christopher Houlden Mr Neil Godding Ms Leah Abigail Jepson - Resigned on 09.10.2025 Ms Ceri Joan Walker - Appointed on 08.12.2025

The existing trustees appoint any new trustees following the provisions laid out in the Charity's governing instrument.

Charity Trustees must be appointed by a resolution passed at a properly convened meeting of the Charity Trustees following a recommendation by the Spiritual Leadership.

GOVERNING INSTRUMENT

Constitution of a Charitable Incorporated Organisation dated 9 December 2021, approved by the Charity Commission on 24 February 2022.

The Trustees of Mosaic Church Bangor, established by Trust Deed dated 8 September 2004 (Charity Number 1109496) agreed it was in the best interest of the charity to begin the process of incorporation to become a Charitable Incorporated Organisation (CIO). The transfer of assets took place on 31st August 2023. Until the transfer of assets, the CIO was inactive.

OBJECTS

  1. To advance the Christian Faith in Bangor in the county of Gwynedd and in such other parts of the United Kingdom or the world as the trustees may from time to time think fit, in accordance with the Statement of Faith.

  2. To relieve persons who are in conditions of need, hardship or distress, or who are aged or sick.

CORRESPONDENCE ADDRESS

PRIMARY BANKERS

Pensarn Llangristiolus Bodorgan Anglesey LL62 5DT The Co-operative Bank PO Box 250 Delf House Southway Skelmersdale WN8 6NT

INDEPENDENT EXAMINER

Z Derbak MAAT AATQB Independent Examiners Ltd The Grain Store, Hills Barns Appledram Lane South Chichester, West Sussex PO20 7EG

3

MOSAIC CHURCH BANGOR

TRUSTEES REPORT

FOR THE YEAR ENDED 31ST AUGUST 2025

Welcome from the Trustees

2024–25 has been a year of growth, partnership and fresh opportunities for Mosaic Church Bangor. As trustees, we are grateful for God’s faithfulness and for the commitment of so many volunteers, leaders and supporters who continue to serve our church and local community with generosity and compassion.

Throughout the year we have continued to pursue our vision to see individuals and communities in Bangor, Anglesey and beyond transformed by Jesus’ love, by following Jesus, loving others and making disciples.

This year has included a number of significant developments including:

Alongside these opportunities, the trustees have continued to strengthen governance, safeguarding, financial oversight and long-term planning to support the future growth and sustainability of the charity.

We remain deeply thankful for the many volunteers who give their time, energy, money and gifts to serve others week by week. The life and ministry of the church depends greatly on their faithful contribution.

As trustees, we look forward with hope and expectation to the year ahead as we continue investing in leadership development, community engagement, mission partnerships and the spiritual growth of the church family.

About Mosaic Church

Mosaic Church Bangor exists:

  1. To advance the Christian faith in Bangor, Gwynedd and beyond; and

  2. To relieve those in need, hardship or distress.

The church seeks to fulfil these objectives through worship, teaching, discipleship, community outreach, evangelism, pastoral support and partnership with other Christian organisations and charities.

In planning activities throughout the year, the trustees and leadership have considered the Charity Commission’s guidance on public benefit, including specific guidance relating to charities for the advancement of religion.

The church is led by a Leadership Team of 10. The charity made a part-time appointment of Team Leader in April 2024. The leadership team meets regularly to consider the spiritual leadership of the church and make recommendations to the trustees as appropriate.

4

MOSAIC CHURCH BANGOR

TRUSTEES REPORT (continued)

FOR THE YEAR ENDED 31ST AUGUST 2025

This Year in Numbers

Community & Outreach

  - •500+ homes reached through Easter outreach

     - •500 Christmas magazines distributed

Compassion & Poverty Relief

Church Life

     - •Average Sunday attendance of 60-80

     - •6 midweek groups meeting regularly

Worship, Teaching & Discipleship

The normal activities of the church include weekly Sunday gatherings, smaller midweek groups meeting in homes across Bangor and Anglesey, prayer gatherings and discipleship initiatives. These activities are open to all and form a central part of the church’s mission to advance the Christian faith.

The church currently meets at Capel Berea Newydd in Bangor each Sunday afternoon. During the year teaching series included:

Monthly Prayer & Praise evenings started this year, providing opportunities for worship, prayer and spiritual encouragement. Six midweek groups also met regularly across Bangor and Anglesey, helping people grow in faith, discipleship and friendship. 65 attended these groups throughout the year.

This year also saw the church’s first weekend away at Bryn-y-Groes Conference Centre in Bala. Over 40 people attended, creating opportunities to grow in faith, family and fellowship together.

Empowered Women continues to meet monthly, including a day conference in June, and Mosaic Men has also continued to meet.

This year also saw the launch of a new initiative called Theology Together , designed to create space for deeper theological discussion and learning beyond Sunday gatherings.

5

MOSAIC CHURCH BANGOR

TRUSTEES REPORT (continued) FOR THE YEAR ENDED 31ST AUGUST 2025

Children, Youth & Student Ministry

Supporting children, young people and students remains a key priority for the church.

Weekly children’s activities continued during Sunday gatherings throughout the year, helping children explore the Christian faith in a safe and welcoming environment. Up to 13 children attended, supported by 10 volunteers.

In September 2024, a new joint youth initiative called Ignite was launched in partnership with Penrallt Baptist Church, supported by volunteers from Mosaic Church. The group aims to support the spiritual, emotional and mental wellbeing of young people in the area while helping them build friendships and explore faith together.

The church also continued to invest in student ministry through the Connect Mosaic initiative, which seeks to integrate students into the life of the church and support them during their time at Bangor University. Activities during the year included meals, social events, games nights and pastoral support.

The church also actively supported the Bangor University Christian Union during mission weeks and outreach events.

Community Engagement & Mission

Serving the wider community remains an important expression of the church’s faith and charitable purpose.

Throughout the year the church organised and participated in a range of community events and outreach activities designed to support local people and provide opportunities to explore the Christian faith.

These included:

The church also participated in carol singing in Bangor alongside other local churches, distributed 500 ‘Hope’ magazines at Christmas, and helped organise a Good Friday Passion Play through Cytûn.

The trustees believe these activities provide clear public benefit by strengthening community relationships, supporting wellbeing and social connection, providing pastoral and spiritual support, and creating opportunities for people to explore the Christian faith.

6

MOSAIC CHURCH BANGOR

TRUSTEES REPORT (continued) FOR THE YEAR ENDED 31ST AUGUST 2025

Compassion, Poverty Relief & CAP Debt Centre

Supporting those experiencing financial hardship continues to be an important part of the church’s ministry.

The church remains actively involved in supporting a local foodbank which regularly assists more than 60 families in need.

The church also runs the Menai CAP Debt Centre in partnership with Christians Against Poverty. The centre is currently the only CAP Debt Centre in North Wales. Following a short closure, the centre reopened in January 2024 with newly trained befrienders from several local churches.

During the past 12 months:

Since opening, the CAP Centre has:

The CAP Centre Manager also maintained regular contact with local Job Centres, foodbanks and community hubs across the region.

The church additionally operates a Poverty Support Fund providing practical emergency assistance to individuals and families in need. During the year, support included household appliances, groceries, fuel vouchers and other emergency items.

The trustees believe these ministries provide significant public benefit through the relief of poverty, practical support and emotional encouragement for vulnerable individuals and families.

CAP Case study

We met a couple on Anglesey who were struggling with multiple debts and living day-to-day on credit. They were anxious, overwhelmed, and unsure where to turn. Following redundancy and ongoing health issues, their situation had become increasingly distressing.

The CAP team was able to support them step by step - helping them navigate urgent concerns, complete the debt relief process, and ultimately see their debts written off. Alongside this practical help, they received ongoing encouragement and care. Over time, their situation improved significantly, including securing employment and finding relief from the constant stress they had been under.

After their case was resolved, they shared this message with us: “We wish to thank you and the team for showing us so much compassion and understanding, and making us feel at ease, and not judged… it feels good to be able to sleep at night… our gratitude to you and your team will forever stay with us.”

7

MOSAIC CHURCH BANGOR

TRUSTEES REPORT (continued)

FOR THE YEAR ENDED 31ST AUGUST 2025

Partnership

Mosaic Church Bangor continues to work closely with churches and Christian organisations locally, nationally and internationally.

The church remains part of the Maximise family of churches across North Wales and the North West of England and members attended conferences and leadership events throughout the year.

The church also continued its involvement with Cytûn and other churches across Bangor, helping lead events during the Week of Prayer for Christian Unity and supporting the Street Pastors initiative.

One of the most significant developments this year was the formal launch of the Bangor Youth for Christ project in partnership with Penrallt Baptist Church and St John’s Methodist Church. The trustees are encouraged by the opportunities this creates for long-term youth outreach and discipleship in the city.

The church continues to support a range of mission partners and charities both in the UK and overseas, including student mission, sports chaplaincy, overseas church planting and relief work.

Financial Review

The total income for the year amounted to £66,626 and the expenditure amounted to £77,904.

Voluntary income through tithes, offerings and donations increased by approximately 6% compared with the previous year. A Gift Aid claim of £13,109 relating to the current financial year was submitted before year end but received in the following financial year.

The trustees intentionally approved expenditure above annual income as part of the church’s longer-term investment strategy in leadership development, mission initiatives and community outreach.

The trustees monitor financial performance regularly throughout the year and review expenditure against agreed budgets at each trustee meeting.

The church continues to support a range of charities, mission initiatives and individuals both locally and internationally whose work aligns with the charity’s objectives. This includes support for local student ministry, Bangor Street Pastors, overseas mission, poverty relief and Christian outreach initiatives.

The trustees aim to give away at least 10% of income each year, and this target was exceeded in the current year. The trustees carefully consider all grants and charitable giving to ensure funds are used effectively in supporting the advancement of the Christian faith and the relief of need.

The church operates a Poverty Support Fund providing practical assistance to individuals and families in need within both the church and wider community. During the year the fund supported 10 individuals through emergency grants and practical support. The church also partners with ACTS 435 to help meet larger needs within the local area.

The charity remains financially stable with unrestricted reserves of £117,826 at year end.

Restricted funds held at year end included:

8

MOSAIC CHURCH BANGOR

TRUSTEES REPORT (continued)

FOR THE YEAR ENDED 31ST AUGUST 2025

Reserves Policy & Future Planning

The trustees regularly review the charity’s reserves policy to ensure sufficient funds are available to:

The charity currently aims to maintain a minimum reserve level of £60,000.

Alongside this, the trustees have developed a five-year investment plan focused on:

The trustees anticipate that reserves will gradually reduce over the coming years as these strategic priorities are implemented.

Governance, Risk & Safeguarding

The church is governed by a board of trustees appointed in accordance with the CIO constitution.

The trustees meet regularly throughout the year and work closely with the church leadership team to oversee governance, finance, safeguarding, risk management and strategic planning.

During recent years the trustees have continued strengthening governance arrangements and reviewing policies relating to:

9

MOSAIC CHURCH BANGOR

TRUSTEES REPORT (continued) FOR THE YEAR ENDED 31ST AUGUST 2025

Governance, Risk & Safeguarding (continued)

A formal Risk Register has been developed identifying major operational and governance risks together with appropriate mitigation measures.

Safeguarding remains a high priority for the trustees. The church operates a formal safeguarding policy registered with Thirtyone:eight and regularly reviews safeguarding procedures and training requirements.

Training was provided during the year for volunteers, leaders and trustees working with children and vulnerable adults.

The church is committed to ensuring that all those working with children and vulnerable adults:

As part of this church’s commitment to children and young people it has appointed a Safeguarding Co-ordinator. Parents and appropriately aged children and young people involved in activities within the church know who they are and how they can be contacted.

TRUSTEES RESPONSIBILITIES

The Charities Act 2011 require the trustees to prepare financial statements for each financial year. In preparing those financial statements the trustees are required to:

The trustees are responsible for keeping proper accounting records, which disclose with reasonable accuracy at any time the financial position of the trust. They are also responsible for safeguarding the assets of the trust and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Signed on behalf of the Trustees ....................................................................., Trustee.

Print name: ........................................................Kevin Mundy

21 June 2026 Date: ..................................................

10

INDEPENDENT EXAMINER'S REPORT ON THE ACCOUNTS

Report to the trustees/members of Mosaic Church Bangor (charity number: 1198051) on the accounts for the year ended 31st August 2025 set out on pages 12 to 17.

RESPONSIBILITIES AND BASIS OF REPORT

As the charity trustees of the Trust, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).

I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed 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 that no material matters have come to my attention in connection with the examination which gives me cause to believe that in, any material respect:

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Zita Derbak MAAT AATQB Independent Examiners Ltd The Grain Store, Hills Barns Appledram Lane South Chichester, West Sussex PO20 7EG

Sign: Date: 22.06.2026

11

MOSAIC CHURCH BANGOR

STATEMENT OF RECEIPTS AND PAYMENTS FOR THE YEAR ENDED 31ST AUGUST 2025

RECEIPTS :
Notes
Voluntary Receipts
2a
Investment Income
2b
TOTAL RECEIPTS
PAYMENTS :
Costs of Charitable Activities
3a
Governance Costs
3b
TOTAL PAYMENTS
Net Receipts/(payments)
Transfer between Funds
Cash funds this year end
Cash funds last year end		 Unrestricted
Restricted
Total
Total
Funds
Funds
2024/25
2023/24
£
£
£
£
60,390
4,024
64,414
50,542
2,212
0
2,212
1,401
62,602
4,024
66,626
51,943
70,027
7,121
77,148
63,245
756
0
756
828
70,783
7,121
77,904
64,073
-8,181
-3097
-11,278
-12,130
-3,066
3,066
0
0
129,073
13,187
142,260
154,390
117,826
13,156
130,982
142,260

The notes on pages 14 to 17 form part of these accounts.

All operations are continuing operations.

12

MOSAIC CHURCH BANGOR

STATEMENT OF ASSETS AND LIABILITIES FOR THE YEAR ENDED 31ST AUGUST 2025

Notes
ASSETS
Cash Funds:
Bank Accounts
Petty Cash
Assets retained for the Charity's own
Equipment
Other Monetary assets:
Gift Aid owed
LIABILITIES
Independent Examiners Fee		 Unrestricted
Restricted
31-Aug-25
31-Aug-24
Fund
Fund
Total
Total
£
£
£
£
117,826
13,156
130,982
142,260
0
0
0
0
117,826
13,156
130,982
142,260
use:
11,242
0
11,242
11,242
11,242
0
11,242
11,242
13,109
0
13,109
9,043
13,109
0
13,109
9,043
870
0
870
756
870
0
870
756

TRUSTEES RESPONSIBILITIES IN RELATION TO FINANCIAL STATEMENTS

Charity Law requires the Trustees to prepare financial statements for each financial year which comply with the regulations set out in the Charities Act 2011. The Trustees have elected to take advantage of the provisions that apply to small charities and have prepared a Receipts and Payments Account and Statement of Assets and Liabilities which are set out on pages 12 and 13.

21 June 2026 Approved by the Trustees on ....................................................... and

Signed on their behalf by ......................................................................., Trustee.

Print name: ...................................................Kevin Mundy

13

MOSAIC CHURCH BANGOR

NOTES TO THE ACCOUNTS FOR THE YEAR ENDED 31ST AUGUST 2025

1. BASIS OF ACCOUNTING

The accounts have been prepared under the “Receipts and Payments” basis as prescribed by the Charity Commissioners, and they meet the appropriate legal requirements.

2. RECEIPTS
a) Voluntary Receipts
Tithes & Offerings
Youth
Income for conferences
Gift Aid
Poverty Support Fund
CAP
Brazil trip
Weekend Away
b) Investment Income
Bank Interest		 Unrestricted
Restricted
Total
Total
Funds
Funds
2024/25
2023/24
£
£
£
£
50,537
0
50,537
47,703
0
0
0
544
45
0
45
230
9,043
0
9,043
0
0
670
670
1,247
765
0
765
0
0
0
0
788
0
3,354
3,354
30
60,390
4,024
64,414
50,542
2,212
0
2,212
1,401
2,212
0
2,212
1,401

14

MOSAIC CHURCH BANGOR

NOTES TO THE ACCOUNTS (continued) FOR THE YEAR ENDED 31ST AUGUST 2025

3. PAYMENTS
Notes
a) Costs of Charitable Activities
Ministry:
Life Church Manchester
Visiting Speakers
Midweek Groups
YLD Programme
Church Worker:
Salary, NI & Pension
Travel Expenses
Evangelism:
Alpha
CAP
CAP salary, NI & Pension
CAP Head Office Contribution
CAP travel and ad-hoc cost
Other Outreach
Rent
Running Costs:
Administration
Catering
Child Protection
Children/Youth Work
Copyright Licence
Insurance
Professional Fees
Students
Softwares & Subscriptions
Miscellaneous
Training
Equipment
Regular Giving
7
One-Off Gifts and Grants
4, 8
b) Governance Costs
Independent Examination
Total		 Unrestricted
Restricted
Total
Total
Funds
Funds
2024/25
2023/24
£
£
£
£
2,900
0
2,900
2,400
300
0
300
100
0
0
0
56
0
0
0
2,439
21,243
0
21,243
8,512
1,185
1,185
498
0
0
0
1,440
12,858
0
12,858
10,232
3,780
0
3,780
3,615
1,344
0
1,344
1,509
10,434
0
10,434
11,950
4,383
0
4,383
5,743
89
0
89
179
561
0
561
673
449
0
449
314
728
0
728
1,469
403
0
403
387
646
0
646
573
876
0
876
818
0
0
0
130
865
0
865
1,013
114
0
114
58
425
0
425
701
0
0
0
772
6,144
0
6,144
6,080
300
7,121
7,421
1,584
70,027
7,121
77,148
63,245
756
0
756
828
756
0
756
828
70,783
7,121
77,904
64,073

15

MOSAIC CHURCH BANGOR

NOTES TO THE ACCOUNTS (continued) FOR THE YEAR ENDED 31ST AUGUST 2025

4. RESTRICTED FUNDS
Current Year
Building Fund
Poverty Support Fund
Weekend Away 2025
Prior Year
Building Fund
Poverty Support Fund
YLD Brazil
Weekend Away 2025		 Balance
Balance
01-Sep-24
Income
Expenditure
Transfer
31-Aug-25
£
£
£
£
£
12,048
0
0
0
12,048
1,309
670
-871
0
1,108
-170
3,354
-6,250
3,066
0
13,187
4,024
-7,121
3,066
13,156
Balance
Balance
01-Sep-23
Income
Expenditure
Transfer
31-Aug-24
£
£
£
£
£
12,048
0
0
0
12,048
0
1,247
-238
300
1,309
0
788
-846
58
0
0
30
-200
0
-170
12,048
2,065
-1,284
358
13,187

The restricted funds are wholly represented by the Charity's cash reserves.

Poverty Support Fund: The trustees have established a fund to support individuals in need in the local community with emergency grants.

YLD Brazil: An appeal was established to support the YLD intern’s trip to Brazil.

Weekend Away 2025: This fund is for income and payments associated with the Church weekend Away in March 2025.

Building fund: This fund is for future use for a property for the church.

5. STAFF COST
Gross Salary
Employer's NI contribution
Employer's NI allowance
Employer's Pension		 2025
£
31,009
2,346
-2,346
3,092
34,101		 2024
£
17,426
836
-836
1,318
18,744

6. PAYMENTS TO TRUSTEES OR RELATED PARTIES

Dr Kevin Mundy trustee received the following payments for his Church worker role in FY 24/25. Salary of £18,853 and employer's pension contribution of £2,390, total of £21,243 (2023/24:£8,512)

Mrs Godding, wife of trustee Neil Godding, received the following payment for her CAP Debt Centre Manager role in FY 24/25: Salary of £11,411 and employer's pension contribution of £1447, total of £12,858. (2023/24: £10,232)

In the financial year the charity paid £10,000 to Bangor Youth For Christ (Charity Number: 1204934), where Neil Godding trustee and wife of Christopher Houlden trustee, are also trustees. (23/24: £10,000)

Isaac Jepson, brother of trustee Leah Jepson, received £2,439 contribution for his expenses in relation to YLD internship programe in FY 23/24, and £58 contribution for the cost of his trip to Brazil.

No material transaction took place between the trustees or any person connected with them and the organisation.

16

MOSAIC CHURCH BANGOR

NOTES TO THE ACCOUNTS (continued)

FOR THE YEAR ENDED 31ST AUGUST 2025

7. REGULAR GIVING
Bangor CU
Care for the Family
Fusion
Frontiers
Tear Fund
Sports Chaplaincy
Compassion UK
Bangor Street Pastors
5000K International		 Unrestricted
Restricted
Total
Total
Funds
Funds
2024/25
2023/24
£
£
£
£
300
0
300
300
720
0
720
720
180
0
180
180
1,200
0
1,200
1,200
1,440
0
1,440
1,440
600
0
600
600
384
0
384
320
600
0
600
600
720
0
720
720
6,144
0
6,144
6,080
8. ONE OFF GIFTS & GRANTS
Christian Aid		 300
0
300
300
300
0
300
300

9. PUBLIC BENEFIT

The charity acknowledges its requirement to demonstrate clearly that it must have charitable purposes or ‘aims’ that are for the public benefit. Details of how the charity has achieved this are provided in the Trustees report. The Trustees confirm that they have paid due regard to the Charity Commission guidance on public benefit before deciding what activities the charity should undertake.

17