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2025-12-31-accounts

St Serf’s Church of Scotland

Tullibody

Church Trustees’ Report

and

Church Accounts

For the year ending 31 December 2025

Scottish Charity Number:

SCO05918

Congregation Reference Number: 231436

Page 1 of 18

Charity Name St Serf’s Church of Scotland, Tullibody Charity Reference Number SCO05918 Congregational Reference Number 231436 Contact Address 26 Newmills Tullibody ALLOA Clackmannanshire FK10 2SB

Trustees

Elders

Revd Adaeze Goziem-Ibonye (inducted 11 March 2025) Karen Begg Bridget Buchan Christine Burnett Ian Cameron Petricia Craib (moved away July 2025) Irene Coulter (stepped down 1 September 2025) Heather Crawford Barbara Dowie Jan Gillies May Hamilton Ian Hunter Isobel Hunter Margaret Jackson Sam Podmore (stepped down 31 December 2025) Andy Tait Rena Whyte

Board Members

Kevin Anderson Decima Colson Susan Cooper Anne Docherty Beatrice Harvey (died 27 January 2025) Janice MacDonald (died 9 April 2025) Diane Podmore (stepped down 2 October 2025) Ann Senior Betty Ure (died 18 January 2026) Clark Whyte

Principal Office Bearers

Revd Adaeze Goziem-Ibonye (inducted 11 March 2025) May Hamilton Andy Tait Rena Whyte Clark Whyte

Minister Joint Session Clerk Joint Session Clerk Treasurer Clerk to the Congregational Board

Independent Examiner

Mr Martin Dunsmore 60 Brookfield Place Alva Clackmannanshire FK12 5AT

Banker

Royal Bank of Scotland Stirling Branch Unit 22/23 Thistles Goosecroft Road STIRLING FK8 2EA

Page 2 of 18

Structure, Governance and Management

Objectives and Activities

The Church of Scotland is Trinitarian in doctrine, reformed in tradition and Presbyterian in Policy. It exists to glorify and work for the advancement of Christ's kingdom throughout the world. As a national Church, it acknowledges a distinctive call and duty to bring the ordinances of religion to the people in every parish in Scotland through a territorial ministry. It co-operates with other Churches and various ecumenical bodies in Scotland and beyond.

Governing Document

The Church is administered in accordance with the model Deed of Constitution.

Organisational Structure

The Kirk Session, which meets a minimum of five times a year, is responsible for the spiritual affairs within the Church. The Congregation Board, chaired by a member of the Congregation Board, is elected by the members and meets a minimum of five times a year. Certain representatives are elected to the Finance Committee and Property Committee, as appropriate.

Recruitment and Appointment of Trustees

Members of the Kirk Session and the Congregational Board are the Charity Trustees. The Kirk Session members are the Elders of the Church and are chosen from those members of the Congregation who are considered to have the appropriate gifts and skills. The Minister, who is a member of the Kirk Session, is elected by the Congregation and inducted by Presbytery. The Congregational Board is appointed from within the congregation and members of the Congregation are invited to nominate individuals who are believed to have the skills and commitment to contribute to the management affairs of the Church. Board members are then appointed at the Stated Annual Meeting and serve for a period of three years after which they must seek re-election at the next Stated Annual Meeting.

Achievements and Performance

We, the trustees, list below the various activities of individual organisations within the Church.

A wide range of Church activities are undertaken, and are strongly supported, with some continuing to be held online for the convenience of members’ no longer able to attend church in person regularly. With our new minister inducted in March 2025 we have redoubled our efforts to maintain a full programme of worship, social and fund-raising events. This includes the following:

Sunday morning and evening Worship, and Midweek service (online)

Sunday School

Church of Scotland Guild

Prayer Meeting and Bible Study (online)

Choir (morning services) Praise Band (evening services)

Soup & Roll Lunches

Coffee morning and sale of work

Singing for Memories

Pensioners’ Christmas lunches (in conjunction with Singing for Memories)

Page 3 of 18

Tiny Tots

Community Social Club

Craft Group

Along with SU Scotland, we run the SU group in Banchory Primary School, Tullibody.

We also have the children from the primary schools come for the Easter Journey and end-ofterm services at Easter and Christmas, and some also join in at the Singing for Memories sessions.

We hold monthly services in the local care home and sing carols for them at Christmas.

We have a strong worship group to help lead worship and invest in the congregation’s resilience.

This year we experimented with ‘Summer Vibes’, a fortnightly programme of activities over the summer months while other groups were paused. This proved highly successful in attracting people not previously seen at church activities. We will repeat this in 2026.

Attendance at Sunday services remains steady with events such as baptisms and visiting speakers attracting large numbers.

Holy Communion is celebrated four times a year at the morning services. It is also celebrated monthly at the evening services (also Maundy Thursday) and occasionally during online midweek services.

The World Day of Prayer is hosted alternate years in our Church and St Bernadette’s RC Church.

Joint Christmas Carol Services / Holy Week service are hosted in alternate years in our Church and St. Bernadette’s RC Church. This year we have expanded our ecumenical relations with St Bernadette’s to include delivery of leaflets across the village outline both churches’ service programmes at Christmas, carol singing in the village shopping centre and plans for joint leaflets about Easter services.

Membership and Key Posts

Total membership 248 on the Communion Roll at 31 December 2025. Our membership has thus increased by two overall in 2025. There are ten people on our Adherents. Roll.

Seventeen people were added to the Roll, eight by Certificate of Transference and nine by Profession of Faith.

Fifteen people were removed from the Roll, ten through death, three by Certificate of Transference and two through loss of contact.

Revd Adaeze Goziem-Ibonye was inducted as Minister to the charge on 11 March 2025.

Ian Hunter was reappointed as Presbytery Elder on 27 March 2025 to serve until 30 June 2026.

Risk Management

The Charity Trustees have in place, a comprehensive 'Risk Management Plan' which encompasses: Risks associated with Statutory, Obligatory and Cyclical Health and Safety requirements.

Generic Health and Safety Risk Assessments.

Non-Health and Safety Risk Assessments including: Safeguarding, Data Protection, Church Finances and Business Continuity.

Accident and Incident Procedures.

Page 4 of 18

Other Responsibilities

The members of the Kirk Session / Congregational Board must prepare statements in sufficient detail to enable an appreciation of the transactions of the Church during the financial year.

The members of the Kirk Session and Congregation Board are responsible for keeping proper accounting records which, on request, must reflect the financial position of the Church at that time.

This must be done to ensure the financial statements comply with the Charities and Trustees Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006 and the Regulation Anent Congregational Finance approved by the General Assembly of the Church of Scotland in 2017.

They are also responsible for safeguarding the assets of the Church and must take reasonable steps for the prevention and/or detection of fraud and other irregularities.

Financial Review

The principal sources of income were from weekly offerings, fund raising and tax returns from the Gift Aid and Gift Aid Small Donations scheme.

Fund raising by members of the Congregation is still a major source of income supplementing monies raised through offerings at various services throughout the year.

Reserve Policy

It is the policy of the Trustees to hold reserves in the bank account general and unrestricted funds to cover about three months' expenditure. At the year-end Church held:

Unrestricted Funds
Deposit Account Unrestricted Funds £1,598
General Account Unrestricted Funds £18,409
£20,007
Restricted Funds
Endowment Funds: Marshall Bequest £5,959
Other Restricted Funds £7,348
£13,307
Designated Funds
Designated Funds held and expended by Church Organisations £3,632
Total Funds Held £36,946

Approved by the Trustees and signed on their behalf.

Andrew G Tait

M Hamilton

Andy Tait May Hamilton Joint Session Clerk Joint Session Clerk Date: 26 March 2026

Page 5 of 18

Independent Examiner's Report to the Trustees of St Serf’s Parish Church of Scotland: SC 005918

I report on the accounts of the charity for the year ended 31 December 2025 which are set out on pages 7 to 13.

Respective responsibilities of trustees and examiner

The charity's trustees are responsible for the preparation of the accounts in accordance with the terms of the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006.

The charity trustees consider that the audit requirement of Regulation 10(1) (d) of the Accounts Regulations does not apply. It is my responsibility to examine the accounts as required under section 44(1) (c) of the Act and to state whether particular matters have come to my attention.

Basis of independent examiner’s statement

An examination is carried out in accordance with Regulation 11 of the Charities Accounts (Scotland) Regulations 2006. 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 seeks explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently I do not express an audit opinion on the view given by the accounts.

Independent examiner’s statement

In the course of 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 44 (1)(a) of the 2005 Act and Regulation 4 of the 2006 Accounts Regulations, and

  3. to prepare accounts which accord with the accounting records and comply with Regulation 9 of the 2006 Accounts Regulations 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.

Martin Dunsmore

Martin Dunsmore 60 Brookfield Place Alva FK12 5AT

Date: 29 April 2026

Page 6 of 18

St Serf’s Church of Scotland Tullibody Receipts and Payments Account Year Ended 31 December 2025

Unrestricted Unrestricted Restricted
Funds
2025
£
3,451
Endowment Endowment Total
2025
£
54,572
390
1,000
451
3,119
Funds Funds
2025
£
-
-
-
-
-
Total
2025 2024
£ £
Donations - per Note 3 51,121 54,219
Inv Int / bank Int 390 495
Legacy 1,000 0
Fabric Fund 451 914
Other Receipts 3,119 2,415
56,081 3,451 0 59,532 58,043
fundraising events 5,409 - 5,409 4,464
Hall Hire 3,145 -
0
-
0
3,145
2,050
162
810
Funerals 2,050 1,880
Investors Trust Growth Fund Div 162 162
66,847 3,451 0 70,298 65,359
Organisations 7,314 0 0 7,314 7,230
Gen Congreg Purposes

(Marshall)
322 322 359
Total receipts 74,483 3,451 0 77,934 72,948
- - 163
Payments - per Note 4
Cost of generating funds 163 156
Charitable activities 77,085 4,112 81,197 61,867
77,248 4,112 0 81,360 62,030
Organisations 6,381 - 6,381 6,969
Totalpayments 83,629 4,112 0 87,741 68,999
Surplus/(deficit) for the year
before transfers
(9,146) (661) - (9,807) 3,949
353
0
0
0
0
-
-
-
-
0
2,260
(500)
(100)
(1,660)
Transfers
General fund (353) 0
General Fund 2,260 1,890
Guild (500) (500)
Tiny Tots (100) (300)
Craft Group (1,660) (1,090)
Surplus/(deficit) for theyear (9,499) (308) - (9,807) 3,949

Organisation's payments here includes internal transfer of £2260 between organisations' accounts and St Serf's Accounts

Page 7 of 18

St Serf’s Church of Scotland Tullibody Statement of Balances 31 December 2025

Unrestricted
Funds
2025
33,138
(9,499)
Restricted
Funds
2025
7,656
(308)
Endowment
Funds
2025
5,959
-
Total
2025
46,753
(9,807)
Total
2024
Bank & Deposit Balances 42,804

brought forward
3,949
Surplus/(deficit)for theyear
Bank & deposit balances

carried forward
23,639 7,348 5,959 36,946 46,753
8,256 - - 8,256
Investments at market value
The following investments
are held with the Church of
Scotland Investors Trust
Growth Fund - 1200 Units
7,656
Cost £600
1,269 - - 1,269
Assets
611
Gift Aid Recoverable
Total due 1,269 - - 1,269 611
0 0 0 0
Liabilities
Independent Examiner's 0

Fee

The Accounts were approved by the Kirk Session and Financial Board on 26 March 2026.

For and on behalf of the Kirk Session and Financial Board:

Andrew G Tait

_____Joint Session Clerk Andy Tait

M Hamilton

_____Joint Session Clerk May Hamilton

R Whyte

_____Head of Finance Committee Rena Whyte

Page 8 of 18

St Serf’s Church of Scotland Tullibody Notes to the Accounts 31 December 2025

Purpose of endowment fund
Marshall Bequest
Held in general reserve, the interest being used for general fund


Designated accounts
Church Gates (Girl Guides)
Held in general reserve, being used for maintaining Church gates
Fabric Fund
Held in Deposit account, being used for fabric work required

Accounts held by Treasurers of organisations as detailed
Flower Fund
For the provision of flowers in Church
Teen Zone and Kids Zone
This provides children with bible teaching and
fun
Guild
This provides prayer opportunity, companionship and fundraising for
projects supported by the Church. This is open to both men and women
Craft Group
This group provides opportunity for creativity
Tiny Tots
This provided playscheme facilities for young children

1 Trustee Remuneration and Related Party Transactions

During the year the Revd Adaeze Goziem-Ibonye, Trustee and member of Kirk Session, received reimbursement of expenses for travel, telephone and Council Tax totalling £3,472

In addition, trustees noted below received payments for provision of services during the year:

£
Isobel Hunter 1,875 who is Church Officer and a member of Kirk Session
Catherine Whyte 2,232 Who is Hall Cleaner and a member of Kirk Session
4,107

No Trustee or a person related to a trustee had any personal interest in any contract or transaction entered into by the charity during the year.

Page 9 of 18

2 Movements in funds At 1 Jan
Receipt
Payments
Transfers
At 31 Dec
2025
2025
2025
2025
2025
£
£
£
£
£
5,959
5,959
914
451
(822)
543
438
(53)
385
241
(43)
198
0
3,000
(3,060)
(60)
438
0
0
438
0
0
0
353
353
5,569
0
(134)
5,435
56
0
0
56
At 1 Jan
Receipt
Payments
Transfers
At 31 Dec
2025
2025
2025
2025
2025
£
£
£
£
£
5,959
5,959
914
451
(822)
543
438
(53)
385
241
(43)
198
0
3,000
(3,060)
(60)
438
0
0
438
0
0
0
353
353
5,569
0
(134)
5,435
56
0
0
56
At 1 Jan
Receipt
Payments
Transfers
At 31 Dec
2025
2025
2025
2025
2025
£
£
£
£
£
5,959
5,959
914
451
(822)
543
438
(53)
385
241
(43)
198
0
3,000
(3,060)
(60)
438
0
0
438
0
0
0
353
353
5,569
0
(134)
5,435
56
0
0
56
Endowment funds
Marshall Bequest Capital
Restricted funds
Fabric Fund
Mitchell Flowers
Microphone Monitor etc
fund
New signs Church & Hall
Church Gates (Girl Guides)
Sunday School
Children's Fund
Christmas lunches
7,656
3,451
(4,112)
353 7,348
Designated fund 381
1,170
(1,322)
2
1,791
(1,760)
1,282
1,433
(719)
1,034
2,920
(2,580)
83
0
0
229
Flower fund
Craft Group 33
Tiny Tots 1,996
Guild 1,374
Sunday School 83
2,782
7,314
(6,381)
3,715
1,276
322
1,598
Unrestricted funds
General Fund:
congregational purposes
(Marshall Bequest
Revenue)
General Fund 29,080
66,847
(77,248)
(353) 18.326
30,356
67,169
(77,248)
(353) 19,924
Total funds
46,753
77,934
(87,741)
0 36,946

Page 10 of 18

3 Analysis of Donations
Unrestricted Restricted
Endowment
Funds Funds
Funds
Total Total
2025 2025
2025
2025 2024
£ £
£
£ £
Gift Aid Offerings 27,072
3,451
-
30,523
22,129
8,454
8,454
20,147
6,747
6,747
2,703
Free Will Offerings (non GA)
Other Donations
Tax recovered on Gift Aid/GADS 8,848 -
-
8,848 9,240
51,121 3,451
-
54,572 54,219
4 Analysis of Payments
Unrestricted Restricted
Transfer
Funds Funds
Funds
Total Total
2025 2025
2025
2025 2024
£ £
£
£ £
Charitable Activities
Offering envelopes 163 -
-
163 163
163 -
-
163 163
Assets Expenditure 0 -
-
0 1,764
0 -
-
0 1,764
39,953
-
39,953
26,589
1,014
-
1,014
1,052
609
609
0
240
-
240
810
450
-
450
180
1,415
1,415
0
700
-
700
5,693
261
261
0
5,355
822
-
6,117
9,286
2,782
-
2,782
1,019
8,928
-
8,928
2,675
3,683
-
3,683
3,497
301
-
301
422
37
37
35
357
-
357
0
85
85
0
10,052
10,052
8,232
0
3,290
3,290
34
239
239
0
Giving for Growth
Presbytery dues
Church Broadband
Ministers Travelling Expenses
Ministers Telephone Broadband
Ministers Removal costs
Pulpit Supply
Pulpit Supply travel expenses
Repairs & Maint/general expnse
Council Tax
Heat & Lighting
Insurance
Postage & Stationery
Bank charges
Music Licence
Microsoft Licence
Wages and cover
Restricted funds
Other collections
Collections for 3rd Parties 624 624 579
77,085 4,112 81,197 61,867
TOTALS FOR YEAR 77,248 4,112
-
81,360 62,030
Organisations 6,381 6,381 6,969
Governance Costs
Independent Examiner's fee
Total Payments
83,629 4,112 87,741 68,999

Page 11 of 18

5 Minister's Stipend

All Church of Scotland congregations contribute to the National Stipend Fund which bears the cost of all ministers' stipend and employer's contributions for national insurance, pension and housing loan fund. Minister's Stipend are paid in accordance with the national stipend scale, which is related to years of service. For the year under the minimum stipend was £38,433 and the maximum stipend (in the fifth and subsequent years) £39,856.

6
Collections for Third Party
Collection made and distributed during the year
£
Life & Works
£49.00
Lodge Mission
£304.55
Street Pastors
£270.05
£623.60

Page 12 of 18

APPENDIX

FUNDS HELD BY THE CHURCH OF SCOTLAND GENERAL TRUSTEES FOR THE BENEFIT OF THE CONGREGATION

231436 Tullibody St Serf’s
2025 2024
£ £
CAPITAL ACCOUNT
Credit Balances held at 31 December at cost 72,217.03 72,217.03
Market Value of Balances at 31 December 72,217.03 72,217.03
REVENUE ACCOUNT
Credit Balance at 31 December 9,686.06
6,505.00

Page 13 of 18

PERTH PRESBYTERY

FINANCE AND STEWARDSHIP COMMITTEE

60 Brookfield Place

Alva

Clackmannanshire FK12 5AT

7 June 2026

Rena Whyte

Treasurer

St Serf’s Church of Scotland Tullibody

Dear Rena

PERTH PRESBYTERY – ATTESTATION OF 2025 ACCOUNTS

December 2025. Your Please find attached your checklist for your Accounts for the year ended 31[st] Accounts have been approved by the Presbytery Accounts Inspection Committee. Please retain this letter of confirmation of Attestation. One copy of your Accounts can now be submitted to OSCR before the deadline date of 30[th] September 2026.

Thank you for your co-operation.

Yours sincerely

Martin Dunsmore

Martin Dunsmore

Finance & Stewardship Committee

Perth Presbytery

Page 14 of 18

THE CHURCH OF SCOTLAND

Checklist for Examination of Congregational Accounts

RECEIPTS & PAYMENTS

Presbytery: _Perth_______

Congregation : __ St Serfs_ Tullibody ___

Is the total income less than £250,000?

Yes
No

If ‘No’ then Receipts and Payments cannot be prepared

Do the annual Accounts as presented to Presbytery fulfil the Regulations for Congregational Finance of the General Assembly and the requirements of the Charities Accounts (Scotland) Regulations 2006 by showing details of:

Trustees’ Report

1.
Registered name of the congregation
2.
Congregation’s Scottish charity number (SC xxxxxx)
(also to be shown on front cover of accounts) -not the tax reference

3.
Contact address of the congregation
4.
Name of anyone who has been a charity trustee at any time from the start
of the period covered by the accounts up to the date the accounts were
approved by the trustees
5.
Particulars of the constitution or governing document of the congregation

6.
A description of how charity trustees are recruited and appointed
7.
The purposes of the charity
8.
The organisational structure of the congregation
9.
A summary of the main activities of the congregation and achievements in
the period
10.
A description of the policy the trustees have adopted to determine the level
of reserves to be held by the congregation, including:

- the level of reserves held

- why they are held
- the amount and purpose of any designated fund, and the likely timing of
any expenditure that has been set aside for the future
11.
Signed and dated by a trustee on behalf of all the trustees
Yes













No

Page 15 of 18

Receipts and Payments Account

Receipts
1. Donations (including Gift Aid tax recovered)
2. Legacies
3. Grants
4. Receipts from fundraising activities
5. Gross receipts from trading (unlikely for a Church)
6. Receipts from investments other than land & buildings
7. Rent from land and buildings
8. Receipts from General Trustees
9. Proceeds from sale of fixed assets
10. Proceeds from sale of investments
11. Split of receipts between different categories of funds

12. Comparative figures for previous year
Payments
1.
Payments for fundraising activities
2.
Gross trading payments
3.
Investment management costs
4.
Payments relating directly to charitable activities, detailing material items
5.
Grants and donations relating directly to charitable activities
6.
Governance costs relating to:
- Independent examination
- Legal costs associated with constitutional matters or legal advice
7.
Purchase of fixed assets
8.
Purchase of investments
9.
Split of payments between different categories of funds

10.
Comparative figures for previous year
Yes













No N/A

Page 16 of 18

Statement of Balances

1.
Cash and bank balances at end of period
(including amounts held with Investors Trust Deposit Fund)
2.
Reconciliation with balances at beginning of period
3.
Summary of investments at market valuation
(including amounts held with Investors Trust Growth and Income Funds)

4.
Summary of other significant assets at valuation (if available) or cost
(NB must be at valuation where valuation is less than cost)
5.
Total estimate of significant liabilities at period end
6.
Signed and dated by a trustee on behalf of all the trustees
Notes to the Accounts
1.
Nature and purpose of the different funds held by the congregation,
including any restrictions on their use
2.
Amount of remuneration paid to a charity trustee or person connected to
a charity trustee or a statement that no such remuneration was paid
(excluding minister’s stipend but including Voluntary Additional Payment
where appropriate)
3.
Total amount of expenses, if any, paid to charity trustees and the number
of charity trustees receiving expenses (including minister’s travel, Council
Tax, etc). Or a statement that no such expenses were paid.
4.
A note detailing the arrangements for minister’s stipend
5.
Details of any other separately registered charities, trusts etc which are
under the control of some or all of the congregation’s charity trustees

6.
Any further information required to reasonably assist the reader to
understand the statement of accounts
Independent Examiner’s Report
1.
Independent Examiner’s Report should not be dated before the date
the Trustees approved the Accounts

2.
Full name and address of Independent Examiner should be given

3.
Independent Examiner’s Report should be signed by an individual and not
by a firm of Accountants
Yes














No
N/A

Page 17 of 18

Also confirm that the following figures agree with each other:

nfirm that the following figures agree with each other:
1. Excess of Receipts and Payments per the Receipts and Payments Account.
AND
Excess of Receipts and Payments per the Statement of Balances.
2. Total Bank and Deposit Balances per the Statement of Balances.
AND
Total Funds per the Movements in Funds Note.
3. Total Receipts per the Receipts and Payments Account.
AND
Total Receipts per the Movements in Funds Note.
4. Total Payments per the Receipts and Payments Account.
AND
Total Payments per the Movements in Funds Note.
5. Total Donations per the Receipt and Payment Account.
AND
Total Donations per the Analysis of Donations Note.
Yes




No

Page 18 of 18