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2024-03-31-accounts

Saltaire United Reformed Church

Registered Charity No. 244137

Annual Report and Financial Statements for the year ended 31 March 2024

Contents

Contents
Page
General information 1
Annual Report 2-4
Receipts and Payments 5-6
Statement of assets & liabilities 7
Notes 8
Independent Examiner’s Report 9

Saltaire United Reformed Church General Information for the year ended 31 March 2024

Page 1

Trustees :

Name Janet Clark Linda Malloy (from Feb 24) Zac Williamson (to May 23) Anthony Wilson

Charity number

The charity was registered with the Charity Commission for England and Wales, number 244137.

The charity is registered as Trust Property held in connection with Saltaire United Reformed Church.

Principal address Victoria Road Saltaire BD18 3LF

Bankers Independent examiner Lloyds Bank plc Chris Tarbard 25 Gresham Street AIMS Accountants for Business London 5 Huxley Close EC2V 7HN Macclesfield, Cheshire, SK10 3DG

Structure, governance and management

Saltaire United Reformed Church is a congregation of the Yorkshire Synod of the URC and decisions are taken by the Trustees, with the support of church members through regular church meetings. A building and finance committee advises the elders and church meeting about its physical and temporal assets.

The charity, as well as being responsible for the Grade I Listed Italianate church built in 1859, has two other constituent trusts, covering the manse for a minister, by a deed dated 21 August 1959, and the Salt mausoleum endowment fund by a deed dated 14 December 1939.

Elders and church officers are appointed normally for terms of 3 years, with appointments being ratified by church meeting.

Page 2

Saltaire United Reformed Church Annual report for the year ended 31 March 2024

Objectives and activities

The charity’s principal activities are ministry and mission in the Christian faith based in a Grade I listed church in the UNESCO World Heritage site of Saltaire.

Public benefit statement

In setting our objectives and planning our activities, the Trustees have given consideration to the Charity Commission’s general guidance on public benefit and in particular the advancement of the Christian faith.

Achievements and performance

This year the membership has continued on its path of recovery following reopening of the building now repairs to the ceiling have been completed.

The Elders supported by the church members and adherents, continue to maintain this historic church. In the absence of a caretaker, minor repairs and cleaning of the premises are undertaken by the church membership.

In the absence of a Minister, it has been necessary to build up a group of people willing to lead worship. Between April 2023 and the beginning of June 2023, worship was held mainly on a fortnightly basis. Thereafter, apart from five Sundays, worship was held weekly. A Harvest Festival was held on 24 September, when gifts of tinned and dried food were donated to the local Food Bank. Members of the Scout Group attended worship on Remembrance Sunday. Then on the afternoon of 17 December, a Carol Service was held and we were pleased to welcome a few visitors. A time of fellowship is shared over tea/coffee following worship.

During the year, two people started attending our services and have continued to worship with us on a regular basis. Occasionally we welcome people to our service who are visiting the area.

At 31 March 2024, the church membership was 15, which includes 6 non-attending. Contact is maintained, by means of telephone calls, e-mails, texts and visits, with members no longer able to attend worship due to incapacity or ill health.

During the year, three Church Meetings were held including the AGM on 26 November 2023. In addition, four other progress meetings were held and are minuted. The Elders also met regularly.

The church has been able to resume taking bookings for weddings, funerals/memorial services, and infant baptisms/dedications/blessings.

Between April and October 2023, the church was open to visitors on most Sunday afternoons between 12 noon and 4pm. This provides an opportunity for private prayer, to listen to the organ being played, learn about the beliefs of the URC, the current situation of our church, the history of the church and Sir Titus Salt.

In addition, the church opens for visitors during community events held in the village, e.g. World Heritage Day, Arts Trail, Dragon Boat Festival and the Saltaire Festival. Hundreds of visitors from around the world are welcomed into our Church.

Page 3

Saltaire United Reformed Church Annual report for the year ended 31 March 2024

The church café was opened to the community on the first Sunday in each month between April and October 2023. Additional opening took place during community events in the village.

The downstairs rooms are used weekly by the 5[th] Shipley Scout Group during school term time. Scouting is provided for all young people aged from 4 to 14 year olds in Squirrels, Beaver Scouts, Cub Scouts and Scouts sections. On reaching the age of 14, Scouts are given the opportunity to join one of the District Explorer Scout Units.

The leadership offers a balanced indoor and outdoor programme to assist in developing skills for life for our young people and along the way ,hopefully gain badges and the highest award in their section.

A waiting list for the group is available for all ages and the Leadership works with other groups in the district to try to place as many children as possible into Scouting.

These rooms are also used regularly by a Pipe Band, Shipley College and on an occasional basis by other organisations. During the Saltaire Festival, the church hosted an exhibition by Aire Valley Arts in these rooms.

A local Saltaire Guide and team, frequently bring groups of people into church to give a talk/dramatization about the history of the church, Sir Titus Salt and the village. Other groups book independently and are served tea/coffee/biscuits by members of the church. A Carol Concert organised by the Rotary Club was held during December.

The church supports Bradford Nothern FoodBank based at Shipley Baptist Church, by making regular donations of food and money. Other charities supported during the year were Christian Aid, Royal British Legion and the Leprosy Mission.

The Church is a member of Shipley Christians Together and is grateful for the help received from some clergy/members within the group. A donation was made towards the cost of the Christmas Day lunch held for the homeless, lonely and vulnerable and a member of our congregation worked as a volunteer at the lunch.

Funds are raised from donations by the congregation, visitors, visiting groups, the café, sale of refreshments, charges for room hire. During the year a sale of stock remaining from previously held miscellaneous stalls was held, raising much needed funds.

Saltaire United Reformed Church Annual report for the year ended 31 March 2024

Page 4

Financial review

Income

Total receipts were £115,119, a decrease of £104,274, reflecting the legacy, VAT income and insurance income received in the previous year. A large grant from National Churches Trust was received of £51,000. Congregational giving more than doubled year on year, and one off donations from organisations increased.

Expense

Overall, expenses have reduced, which relates to the building repairs which were underway in the previous year. Mission and ministry contributions were paid in full this year, after a period of non payment. A large payment of £51,000 was made to The United Reformed Church (Yorkshire Province) Trust Ltd. to reduce the outstanding loan.

Overall

Expenses exceeded income by £15,831.

The loan with The United Reformed Church (Yorkshire Province) Trust Ltd at 31 March 2024 is £101,965.

Reserves policy

The charity’s cash reserves at the year end were £17,350 (2023 £33,181). The policy of the Trustees is that the General Reserves of the charity should be sufficient to cover at least three month’s expenditure, which is currently around £12,000. The balance of £17,350 at the year end exceeds this target.

Future considerations

In the next 12 months, there will be financial challenges for the charity to meet its liabilities. The Trustees will be considering ways of raising income and cutting costs.

Signed on behalf of the board of trustees on

Date:

Trustee

Trustee

Page 5

Saltaire United Reformed Church

Financial Statements for year ended 31 March 2024 Charity Number: 244137

Receipts
Ministry & Mission
Congregational giving - standing orders
Congregational giving - envelopes
Congregational giving - church collections
One-off & other gift-aided
Grants & refunds
Other income
Building & Voluntary Income
Donations - Church opening
Wedding & Funeral Collections
Festival Stalls etc
Other events
Shop & Guide sales
Café Income
Lettings
Car Parking
Other Income
Legacy & Interest received
Insurance claim
VAT income
Total Receipts		 Receipts &payments
Unrestricted
Restoration
Total
Total
Funds
Fund
2024
2023
2,587
2,587
426
2,715
2,715
2,530
5,700
5,700
1,493
11,002
0
11,002
4,449
449
449
10
2197.94
51,488
53,686
-
4,730
4,730
409
18,379
51,488
69,867
4,868
20
20
150
3,180
3,180
1,325
390
390
300
325
325
165
200
200
-
1,325
1,325
92
250
250
240
3,360
3,360
6,580
203
0
0
43,580
35,042
35,042
150,000
1,160
1,160
11,890
45,251
0
45,251
214,525
63,631
51,488
115,119
219,393

Page 6

Saltaire United Reformed Church

Financial Statements for year ended 31 March 2024

Payments
Ministry & Mission
URC Ministry & Mission
URC Yorkshire Synod
Minister ICT & phones
Manse Costs
Sunday services & weekly activities
Weddings
Organ, Organist & music
Posters & Publicity
Building and Activities
Café payments
Cleaning
Audit Fee
Electric
Gas
Insurances/ inspections
Council Tax
Water Rates (Business stream)
Equipment & Repairs
Building repairs (general)
Major building works (tower repairs)
Building improvements
Building repairs (insurance claim)
Stationery, printing & postage
Licenses
Building Loan repayments
Festival stall refunds
Miscellaneous expenses
Total payments
Net Receipts less Payments
Cash Funds last year end
Cash Funds this year end		 Receipts &payments
Unrestricted
Restoration
Total
Total
Funds
Fund
2024
2023
4,308
4,308
1,110
0
0
170
0
0
41
2,079
2,079
3,218
1,173
1,173
219
755
755
900
585
585
195
0
0
120
8,900
0
8,900
5,973
115
115
0
12
12
0
630
630
300
585
585
4,466
3,383
3,383
3,482
21,967
21,967
31,239
165
165
0
264
264
264
4,685
4,685
203
2,918
2,918
768
3,825
3,825
1,422
31,376
31,376
0
0
0
159,274
161
161
0
190
190
343
51,488
51,488
0
76
76
40
211
211
0
70,562
51,488
122,050
201,801
79,462
51,488
130,950
207,774
(15,831)
0
(15,831)
11,620
33,181
33,181
21,562
17,350
0
17,350
33,181

Page 7

Saltaire United Reformed Church

Financial Statements for year ended 31 March 2024

Cash Funds
Lloyds bank
Cash in hand
Other monetary assets
Prepayment on insurance church
Prepayment on insurance manse
Prepayment/credit on gas/electric at manse
Prepayment on internet
Car parking due
Income due from Listed Places of Worship
Income due from insurance company		 Statement of assets and liabilities at the end of theperiod
Unrestricted
Restoration
Total
Total
Funds
Fund
2024
2023
17,192
0
17,192
32,496
158
158
686
17,350
0
17,350
33,181
21,133
21,133
16,136
127
127
112
86
86
194
150
150
-
1,400
1,400
-
0
1,160
0
7,734
22,896
0
22,896
25,337

Assets retained for the charity's own use

The church is vested in The Yorkshire Congregational Union (Incorporated).

The church building is insured by this church for £28,800,955. The church contents are insured by the church for £92,091.

Liabilities at 31 March
Church Utility bills
Other creditors (Water Aid donation)
Independent Examination
Loan with URC (Yorkshire Province)
Cash Funds + assets - liabilities
Previous Year
Signed by two Trustees
Signature		 1,165
1,165
523
20
20
-
330
330
630
101,965
101,965
153,453		 1,165
1,165
523
20
20
-
330
330
630
101,965
101,965
153,453
103,480
0
103,480
154,606
(63,234)
0
(63,234)
(96,088)
(96,088)
0
(96,088)
Printed
Date

Saltaire United Reformed Church

Page 8

Financial Statements for year ended 31 March 2024

Section C

Notes to the Accounts

1. Designated funds

In April 2023, the Trustees approved the transfer of Designated Funds into Unrestricted Funds.

2. Detailed Restoration Grants
English Heritage
Getty Foundation May 2011
Yorkshire Historic Churches Trust
Listed Places of Worship VAT
English Historic Churches Trust
Congregational & General Insurance
Benson Foundation
Wolfson Foundation
Henry Moore Foundation
Morris Trust \ All Churches Trust
Gift re Bert & Sheila Thornton
Wren Environmental
Denis Salt Legacy
Church Member - anonymous
National Churches Trust		 2021 - 2024
2016 - 2020
2011 - 2015
243,535
5,000
4,000
1,738
53,114
40,000
9,900
5,000
10,000
3,000
2,000
8,000
-
5,000
2,000
-
2,020
51,488
51,488
11,738
382,569

3. Governance Expenses & Trustees

No Trustees received remuneration or expenses from the charity in respect of their role as Trustee.

Some Trustees receive fees from time to time for services provided to weddings in respect of leading the service, playing the organ, registering the wedding, ringing bells or supervising the building and grounds. These are entirely funded from wedding fees paid by the wedding couples and are shown as wedding fees received and paid out in the above accounts.

Some Trustees are reimbursed from time to time for supplies they have purchased on behalf of the church, such as stationery supplies, on-line purchases for the church and café supplies.

The costs reckoned as governance costs of the charity are as follows:
Independent examination		 2024
2023
330
300
330
780

4. Post Balance Sheet Events

The manse at 39 Nab Wood Crescent which was vested in The Yorkshire Congregational Union (Incorporated), was sold on 7 October 2024 for £275,000.

Saltaire United Reformed Church Independent Examiner’s Report to the Trustees of Saltaire United Reformed Church

Page 9

I report on the accounts of the charity, for the year ended 31 March 2024, which are set out on pages 5 to 8.

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(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.

It is my responsibility to…

Basis of independent examiner's report

My examination was carried out in accordance with the 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 you as 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 examiner's statement

In connection with my examination, no matter has come to my attention:

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

  2. to keep accounting records in accordance with section 130 of the 2011 Act; and

  3. to prepare accounts which accord with the accounting records and comply with the accounting requirements of the 2011 Act have not been met; or

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

Signed:

Date:

Name: Address:

Chris Tarbard AIMS Accountants for Business 5 Huxley Close Macclesfield Cheshire SK10 3DG