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2025-12-31-accounts

NAIRN UNITED REFORMED CHURCH TRUSTEES' REPORT AND FINANCIAL STATEMENTS 31st DECEMBER 2025

Scottish Charity Number: SC009963

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||||||| |---|---|---|---|---|---| |Contents|Page| |Trustees|and|Officers|2| |Trustees’|Report|3-6| |Independent|Examiner's|Report to|the|Trustees|7| |Receipts|and|Payments|Accounts|8-9| |Statement|of Balances|10| |Fund|Movement|by|Type|11| |Summary|of Receipts|and|Payments|12| |Notes|to|the|Accounts|13| |Appendix —|Receipts|and|Payments|details|14-17|

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NAIRN UNITED REFORMED CHURCH TRUSTEES AND OFFICERS

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||||||||||| |---|---|---|---|---|---|---|---|---|---| |Trustees|Christine|A|Brown|(serving|as|from|10|August|2025)| |Jacqueline|Cooper| |Alison|Farmer|(serving|as|from|10|August|2025)| |Laurie|Fraser| |Terence|Gilbey|(serving|as|from|10|August|2025)| |Pamela|Gordon| |Jean|Innes| |Irene|MacDonald| |Patricia|MacMillan| |Angela|Quinn| |Michael|Smerdon| |Alison|Smith| |Deborah|Smith| |Maureen|Smith| |Valerie|Thomson| |Dianne|Walker| |Eileen|Wood| |Minister|The|Reverend|Steven|M|Manders| |Joint|Secretaries|Angela|L|Quinn| |Jean|A|Innes| |Treasurer|Martin|Harker| |Contact Address|Crescent|Road,|Nairn,|1V12|4NB| |Bankers|The|Royal|Bank|of Scotland| |The|Bank|of Scotland|

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||||||| |---|---|---|---|---|---| |Independent|Examiner|James|Wallace|FCCA|0041840| |3|Wellington|Road,|Nairn|IV12 4RE|

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NAIRN UNITED REFORMED CHURCH TRUSTEES REPORT YEAR ENDED 315’ DECEMBER 2025

The Trustees present their report and financial statements of the charity for the year ended 31° December, 2025. The gross income is below the threshold of £250,000, and therefore, the financial statements have been prepared on a receipts and payments basis.

Governing Document

The charity is an unincorporated association established in terms of the United Reformed Church Act 2000. The church also has a local constitution document, which does not conflict with the Act.

Recruitment and Appointment of Trustees

The elders of the church are responsible for the general control and management of the administration of the charity and, as such, are the charity trustees. Elders are ordained according to the ordinances of the United Reformed Church and inducted to office after approval by the minister and members of the church.

Charitable Purposes

Like other Christian churches, the main purpose of Nairn United Reformed Church (Nairn URC) is to preach the Gospel of Jesus Christ. In addition, the church carries out charitable works and provides pastoral care to its members, adherents and general members of the public at large. The church supports home and overseas mission and charities, whose objectives are to assist and benefit the poor and less fortunate in this world.

Activities and Achievements

2025 was a year of renewal, deep fellowship, and significant community engagement for the church. The year began with a joyous return to the newly refurbished sanctuary in January, providing a fresh and welcoming space for worship. Throughout the year, the congregation actively participated in various spiritual and ecumenical events: e Members of the church joined in the local ecumenical service for World Day of Prayer, fostering unity with other Christian denominations.

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In late June, we were delighted to welcome back the Ukrainian Classic Accordion Duo for a spectacular concert. Their performance showcased an extraordinary range of music, delivered with immense virtuosity and musicianship. During the event, donations were invited to support the charity dedicated to caring for victims of the war in Ukraine. Additionally, our worship on August 3rd was enriched by the presence of world-renowned gospel singers from the United States, who joined us to share their exceptional talents.

The Pastoral Group also remained dedicated to outreach, delivering 65 afternoon tea boxes and 83 Christmas lunches. These were distributed to members of the local community who are housebound, experiencing loneliness, or simply in need of a gesture of care.

During the year, further community support initiatives included the distribution of 32 outreach vouchers, representing a direct expenditure of £207 to assist individuals in need. Furthermore, the Benevolent Fund provided substantial financial relief, contributing a total of £7,000 toward both essential welfare support and donations to various organisations including The League of Friends for Nairn Hospital, Nairn

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Academy, Whinnieknowe Care Home and Highland Foodbank. Specific fundraising initiatives raised £4,755 for Wheels in Nairnshire, Millbank Primary School, Rosebank Primary School, Cantraybridge College, Christian Aid and Deprived Children in Ukraine. A further £170 was collected for Commitment to Life. During the year, we were greatly encouraged to welcome 12 new members into our fellowship. Our leadership team also grew as 3 new elders were ordained and inducted to serve the congregation. 3 infant baptisms, 1 adult baptism, 2 weddings and 26 funeral services were conducted. Furthering our community presence, the minister officiated at 16 further weddings, 4 baptisms, and 53 funerals at external locations. This outreach illustrates the continued relevance of the Christian faith and reinforces the church’s role as a source of support to the wider community. Sunday services continue to be well attended with a regular congregation of 130/150, remaining a cornerstone of our weekly worship and community life, supported by uplifting music from the organist and choir. Disappointingly, however, the youth ministry for which we had such high hopes has fallen by the wayside. While this is a setback, we remain committed to reaching the younger generation. To this end, we have partnered with Nairn Baptist Church to explore the possibility of jointly sponsoring a Family and Children’s worker. We look forward to seeing how this collaborative effort might revitalise our outreach to local families in the coming year. Negotiations are ongoing with the three wind farm developers. The agent acting for the church is hopeful that at least one option agreement may be signed by midsummer 2026, but timing is uncertain. Under the leadership of our minister, the Revd. Steven Manders, all of these events demonstrate a vibrant year of community, collaboration, and spiritual enrichment, reflecting the church's commitment to both its members and the wider Nairn community.

Administration

The church is governed by democratic voting at a Church Meeting. These are held up to four times per annum or as and when required. Special meetings require a set number of members to make a written request for a meeting. On a day-to-day basis, the Elders administer the business of the church. Elders’ meetings are generally held monthly. The Annual Report and Financial Statements for 2024 were presented to the Annual General Meeting (AGM) (Church Meeting) for approval on 11th May 2025. Approval of officers is ratified at the AGM. Financial Budgets are also presented and approved at the AGM.

Risk Management The Trustees have addressed the issue of risk management. The insurance value of the church building has been professionally assessed, and the cover has been increased to £6,065,686. The Health and Safety Policy document and the Fire Safety Risk Assessment are kept under review. There are procedures in place to ensure that statutory inspections are carried out.

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Financial Review

The principal sources of income in the General Fund are weekly offerings (£33,421), regular giving by standing order (£26,112) and recovery of tax through Gift Aid (£11,003). Other income from unrestricted and restricted sources totalled £60,574. Total income for the year amounted to £131,111. Total expenditure for the year amounted to £136,582. The deficit for the year amounted to £5,471. These figures reflect the expenditure on the refurbishment of the Sanctuary.

Trustee Remuneration and Expenses (Note 6 — Notes to Financial Statements) The Trustees did not receive remuneration during the year, but one trusteeconnected person did receive payment for services. A business run by one of the Trustees, for the first two months of the year, undertook work for the church throughout the year, but that Trustee was not involved in the decision to place the contracts with his business. Expenses are reimbursed when individual trustees incur costs which are related to church business. The church organist receives fees in line with a contract. The church cleaner receives a wage commensurate with hours worked and in line with the National Living Wage set by the government.

Reserves Policy

It is the Reserves Policy of Nairn URC to provide for the medium to longer term needs of the church and to keep at least six months’ running costs in reserve to cover unforeseen emergencies. The current level of reserves, as at January 2026, is in line with this policy. The policy is normally reviewed annually.

Approved by the Trustees and signed on their behalf by:

—_— £4 Trustee

Print name Aweera house Que

Date .'07.0 37.2e02L........

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INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF NAIRN UNITED REFORMED CHURCH YEAR ENDED 31 DECEMBER 2025

| report on the accounts of the charity for the year ended 31 December 2025 which are set out on pages 8 to 17.

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 (as amended). The charity trustees consider that the audit requirement of Regulation 10(1)(d) of the Accounts Regulations does noi 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

My examination is carried out in accordance with Regulation 11 of the Charities Accounts (Scotland) Regulations 2006 (as amended). 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 | 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:

° to keep accounting records in accordance with Section 44(1)(a) of the 2005 Act and Regulation 4 of the 2006 Accounts Regulations, and ° to prepare accounts which accord with the accounting records and comply with Regulation 8 of the 2006 Accounts Regulations have not been met, or

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

Name: James Wallace FCCA 004184

Address: 3 Wellington, ; Road, Nairn,, IV12 4RE Date: “23/2/26.

James Wallace FCCA 0041840 3 Wellington Road, Nairn, IV12 jwallace@albabusiness.co.uMobile 07818878142,4RE Emall

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Nairn United Reformed Church - SC009963

Receipts and Payments Account For the period from 01 January 2025 to 31 December 2025

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|||||||||||| |---|---|---|---|---|---|---|---|---|---|---| |Receipts|Unrestricted|Designated|Restricted|Total|Prior| |General|Funds|Funds|year| |Fund| |Receipts|from|generated|funds| |Offerings|59,534|1|-|-|59,534|56,470| |Donations|3,607|1,234|27,913|32,755|52,327| |Gift Aid|11,003|125|254|11,382|16,398| |Fundraising|3,675|-|225|3,900|605| |Miscellaneous|33|-|3,366|3,400|-| |Groups|1,899|~|-|1,899|1,858| |Charges|12,513|2|~|-|12,513|11,018| |Interest|2,548|-|-|2,548|2,811| |Other|receipts|1,345|500|1,330|3,176|2,528| |Total|receipts|96,162|1,859|33,089|131,111|144,018| |Payments| |Charitable|activities|-|33|174|207|385| |Wages|and|Honoraria|15,150|-|-|15,150|17,673| |Rates|&|Council|Tax|2,466|-|-|2,466|2,373| |Heat,|light & telephone|13,591|3|-|-|13,591|10,968| |Insurance|5,314|-|-|5,314|4,715| |Copyright|licences|648|-|-|648|425| |Catering|316|-|-|316|215| |Travel|&|Subsistance|485|-|-|485|399| |Maintenance|&|Repair|3,271|-|6,938|10,209|17,342| |Materials|and|Consumables|1,472|-|26,050|27,522|20,678| |Equipment|1,656|-|4,138|5,794|8,004| |Gifts|&|Donations|650|1,252|5,801|7,703|8,079| |General|expenses|-|-|-|-|500| |Ministry|and|Mission|contributions|38,004|-|.|38,004|36,000| |Minister's|expenses|4,424|-|-|4,424|3,080| |Support|costs|2,057|1,164|1,520|4,742|3,066| |Governance|costs|-|-|-|-|516| |Total|payments|89,508|2,450|44,623|136,582|134,424| |Excess|of|receipts|over|6,653|(591)|(11,533)|(5,471)|9,594| |payments|before|transfers| |Transfers| |Gross|transfers|between|funds|-|in|4,926|12,374|34,770|52,070|26,636| |Gross|transfers|between|funds|-|out|(45,854)|(1,290)|(4,926)|(52,070)|(26,636)| |Excess|of receipts|over resources|(34,274)|10,492|18,309|(5,471)|9,594| |used| |Net movement|in|funds|(34,274)|10,492|18,309|(5,471)|9,594|

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Reconcilliation offunds
All assets at01 January 2025 68,329 37,108 4,322 109,760 100,166
All assets at 31 December2025 34,055 47,601 22,632 104,289 109,760
Represented by
Unrestricted Designated Restricted Total Prior
General Funds Funds year
Fund
Unrestricted
General Fund 34,055 - - 34,055 68,329
Designated
Benevolent Fund - - - - 1,900
Flower Fund - 101 - 101 81
Oversail Capital Fund - 2,500 - 2,500 2,500
Reserves - 45,000 - 45,000 32,625
Restricted
Benevolent Fund ~ - 2,640 2,640 -
Dementia Care - - 555 555 1,026
Fabric Fund for maintenance - - 15,298 15,298 922
Manse Fund - - 471 471 97
Mens Mental Health Support - - 1,976 1,976 -
Warm Bank Fund - - 135 135 135
Youth Development Fund - - 1,555 1,555 2,140
NOTES (General Fund) Total Prior
year
1. Offerings Envelope 21,214 19,911
Standing Orders GiftAided Aided 22,952 21,299
Standing Ordersnon GiftAided 3,160 3,120
Open Plate 12,207 12,139
59,534 56,470
2. Charges Copying 53 58
Funerals 6,180 6,000
HallUse Fees 6,280 4,435
Hall Use Donation 200
12,513 10,693
3. Heat, light, telephone Electricty 2,496 3,470
Gas 9,225 5,820
Church Telephone 849 880
Manse Telephone 616 533
Minister's mobile telephone 403 263
13,591 10,966

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Balance sheet as at 31 December 2025

Total Funds Prior Year
Funds
Current assets
RBS Treasurers 12,610 44,745
B ofS Treasurers 5,803 31,802
Cambridge and Counties 95 day notice 62,603 32,915
Cambridge and Counties 31 day notice 23,062
Pettycash 108 215
Flower Fund cash 101 82
104,289 109,760
Liabilities
Agency collections
Total net assets less liabilities 104,289 109,760
Represented by
Unrestricted
General fund 34,055 68,329
Designated
Oversail Capital Fund 2,500 2,500
Flower Fund 101 81
Benevolent Fund a 1,900
Reserves 45,000 32,625
Restricted
Dementia Care 555 1,026
Men's Mental Health Support 1,976
Warm Bank Fund 135 135
Youth Development Fund 1,555 2,140
Fabric Fund for maintenance 15,298 922
Manse Fund 471 97
Benevolent Fund 2,640
Fundsofthechurch

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Fund Movement by Type

Opening Incoming Outgoing Transfers Closing

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|||||||||||| |---|---|---|---|---|---|---|---|---|---|---| |General|Fund|-|Unrestricted|68,329|96,162|89,508|(40,927)|34,055| |Oversail|Fund|-|Designated|2,500|—|—|—|2,500| |Flower|Fund|-|Designated|81|1,184|1,164|=|101| |Reserves|Fund|-|Designated|32,625||—|12,374|45,000| |Benevolent|Fund|-|Restricted|1,900|8,350|7,710|100|2,640| |Dementia|Care|Fund|-|Restricted|1,026|1,058|—|(1,530)|5a0| |Warm|Bank|Fund|-|Restricted|135|a|ae|ans|135| |Youth|Development|Fund|-|Restricted|2,140|mas|584|—|1,565| |Fabric|Fund|-|Restricted|922|21,829|34,587|27,133|15,298| |Manse|Fund|-|Restricted|97|550|3,026|2,850|471| |Men's|Mental|Health|Fund|-|Restricted|=|1,976|—|—|1,976| |109,760|131,111|136,582|=~|_104,289| |Approved by the Trustees and signed on their behalf by: by the Trustees and signed on their behalf by: the Trustees and signed on their behalf by: Trustees and signed on their behalf by: and signed on their behalf by: signed on their behalf by: on their behalf by: their behalf by: behalf by: by:|eD.....| |Print name: Awe. name: Awe. Awe.|Leusn...Q iwi iwi|Date:|10-.E35-220G..|

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Approved by the Trustees and signed on their behalf by: by the Trustees and signed on their behalf by: the Trustees and signed on their behalf by: Trustees and signed on their behalf by: and signed on their behalf by: signed on their behalf by: on their behalf by: their behalf by: behalf by: by: eD..... Print name: Awe. name: Awe. Awe. Leusn...Q iwi iwi Date: 10-.E35-220G..

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Summary of Receipts and Payments year ending 31 December 2025

Income Expenditure Surplus Deficit
£ £ £ £
General Fund 96,162 89,508 6,654 -—
Oversail Fund
FlowerFund 1,184 1,164 20
Benevolent Fund 8,350 7,710 640
Reserves Fund oe
Dementia Care Fund 1,058 1,058
Warm Bank Fund <= = _
Youth Development Fund 584 _ (584)
FabricFund 21,829 34,587 (12,757)
Manse Fund 550 3,026 = (2,476)
Men's Mental Health Fund 1,976 1,976
131,109 —*136,579 ~—~—=—«10,348 ~———(15,818)

Deficit for the year

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NAIRN UNITED REFORMED CHURCH

Notes to the Accounts

YEAR ENDED 31 DECEMBER 2025

1. ACCOUNTING POLICIES

These accounts are prepared on a Receipts and Payments basis as the Gross Income for 2025 is less than £250,000.

2. Purposes of the Designated and Restricted Funds

Designated funds

Oversail — Fund to manage fees received in respect of Oversail Agreements. Reserves Fund — Reserves in accordance with policy.

Flower Fund — Fund for church flowers.

Restricted funds

Benevolent Fund — Fund for distribution at the minister’s discretion. Warm Bank Fund — Fund for creating a warm space for disadvantaged people within the community. Fabric Fund — Fund for the maintenance of the fabric of the church premises. Manse Fund — Fund for the maintenance of the manse. Youth Development Fund — Fund for all work relating to young people involved in the church. Dementia Care Fund — Fund to support those within our community suffering from dementia. Men’s Mental Health Fund - Fund to support men with mental health issues.

3. Church Owned Properties

The church owns the church buildings, including the halls.

4. Gift Aid Claims

Claims in respect of 2024 but received in 2025 amounted to £977. Tax recovered in respect of the period 1* Jan. — 31°t Oct. 2025 amounted to £10,405. Of the total amount recovered, £10,151 went to the General Fund, £242 to the Benevolent Fund and £12 to the Fabric Fund. The tax recoverable in November and December 2025 and due to be received in 2026 amounts to £2,155.

  1. Liabilities

The church has no liabilities as of 31 December 2025.

  1. Payment to Charity Trustees

A business connected to Mr L Fraser (Pat Fraser Radio and TV Electrical Services) received £4,138 for services contracted prior to Mr Fraser’s retirement.

7. Details of receipts and payments for the Designated and Restricted Funds are in following Appendix.

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Receipts and Payments Account

Designated and Restricted Funds

Totalfunds __Prioryear
funds
Dementia Care (Restricted)
Receipts
DONATION General 1,058 1,200
Total Receipts 1,058 1,200
Transfers to/(from) (1,530) (180)
Transfers to/(from) 6
Broughtforward balance 1,026
Carried forward balance 555 1,026
Men's Mental Health Support (Restricted)
Receipts
DONATION General 1,976
Total Receipts 1,976 =
Excess ofIncoming resources over Resources used 1,976
Broughtforward balance
Carried forward balance 1,976 =
Oversail Capital Fund (Designated)
Brought forward balance 2,500 2,500
Carried forward balance 2,500 2,500
Warm Bank Fund (Restricted)
Receipts
DONATION General Zi
Total Receipts = 27
Payments
CATER General 130
GENERAL Miscellaneous 67
Total Payments 198
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Excess of Incoming resources over Resources used — (170) Brought forward balance 135 306 Carried forward balance 135 135

Youth DevelopmentFund (Restricted) Youth DevelopmentFund (Restricted)
Receipts
DONATIONS Grants 500
500
Total Receipts = 500
Payments
GIFTS Pastoral _ 250
GENERAL Miscellaneous 584 —_
Total Payments 584 250
Excess ofIncoming resources over Resources used (584) 250
Brought forward balance 2,140 1,890
Carried forward balance 1,555 2,140
Fabric Fund (Restricted)
Receipts
DONATION General 295
DONATIONS Grants 17,100 15,990
DONATION Sanctuary Renovations 50 150
GIFT AID Tax Recovered 12 25
FUND RAISING General 225
Miscellaneous Refund VAT 3,366 —_
MISCELLANEOUS Refund 780
Total Receipts 21,829 16,165
Payments
MAINT General 1,810 13,655
MAINT Fire Equipment 2,102 _
MATERIALS Property 26,050 19,984
EQUIPMENT General 4,138
EQUIPMENT Fixtures 6,000
GENERAL Miscellaneous 486 —_
Total Payments 34,587 39,639
ExcessofIncomingresourcesoverResourcesused (12,757) (23,474)

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Transfers to/(from) 25,500 6,200
Transfers to/(from) 1,633 18,000
Brought forward balance 922 196
Carried forward balance 15,298 922
Manse Fund (Restricted)
Receipts
MISCELLANEOUS Synod 550 _
Total Receipts 550 _
Payments
INSURE Buildings-Manse goo
MAINT General 3,026 1,563
Total Payments 3,026 1,896
Excess ofIncoming resources over Resources used (2,476) (1,896)
Transfers to/(from) 1,800 600
Transfers to/(from) 1,050 1,150
Brought forward balance 97 244
Carried forward balance 471 97
FlowerFund (Designated)
Receipts
DONATION General 1,184 1,220
Total Receipts 1,184 1,220
Payments
GENERAL Miscellaneous 1,164 1,285
Totai Payments 1,164 1,285
Excess ofIncoming resources over Resources used 19 (64)
Brought forward balance 81 146
Carried forward balance 101 81
Benevolent - BenevolentFund (Designated)
Receipts
DONATION General 50 6,052
GIFTAID Tax Recovered 125 488
CHARGES Hall Use Fee 325
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MISCELLANEOUS Refund 500
Total Receipts 675 6,865
Payments
Gifts Pastoral-Community Outreach Voucher 33 385
GIFTS Miscellaneous 53 950
GIFTS Pastoral 1,198 6,669
Total Payments 1,285 8,004
Excess of Incoming resources over Resources used (610) (1,138)
Transfers to/(from) (1,290)
Transfers to/(from) -— 500
Brought forward balance 1,900 2,538
Carried forward balance = 1,900
Benevolent Fund (Restricted)
Receipts
DONATION General 7,433
GIFTAID Tax Recovered 242 —_
Total Receipts 7,675 =
Payments
Gifts Pastoral-Community Outreach Voucher 174
GIFTS Pastoral 5,801
GENERAL Miscellaneous 450
Total Payments 6,425 _—
Excess of Incoming resources over Resources used 1,250 ~—
Transfers to/(from) 1,290
Transfers to/(from) 100
Brought forward balance _—
Carried forward balance 2,640 =
Reserves (Designated)
Transfers to/(from) 12,374
Brought forward balance 32,625 32,625
Carriedforwardbalance 45,000 32,625

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