Helen5bur8h Unlted Reformed Church
Regd. Scottish Charity SC014017
Fabrlc: Account No 10306160
Cheque facilities at Vir8in Bank. Oedicated account for all Fabric Funding
Three signatories..
either to SI8n. but,
for invoices greater th3n £5,000.00, any two signatories are requi
Note- Any one BACS payment 15 limited to £500.00 and to two payments Wlthin each 24 ho
rs
FABRIC..
2023
£12.945.04
Credits
Balance Carried Forward
Z024
£15,6
9.47
£9.2SO.00
Mast Rental
Transfer from General Account
£9.250.00
£22,195.04
£24,909.47
Deblts
£3,723.95
External Maintenance
£332.89
£2,227.69
Intemal Maintenance
£2,369.25
£413.15
Domestic / Sanitisingl PPE Equipment
£501.41
£170.78
Mlscellaneous
£2.1
3.16
£6,535.57
15,659.47
£s.
19,56
.71
.76
Balance Carrled Forward To 2025
Mainten8nce.' See copy of Fabiic Account for breakdown of mèintenance items

Helensburgh United Reformed Church 13E06
35 West Princess Street, Helensburgh G84 8TF
Registered. Scottish Charity SC 014017
IltYJ
Rvlcymed
e NJi7onal Synod ul Scotl
Ègl
ichte Aon
statement of Account Balances as of 31st December 2024
2023
2024
£40,415.97
Current Account
£43,612. 12
£15,659.47
Fabric Account
£19.562.76
£25.081.00
Agne5 Pithie
Memorial Fund
£25.815.75
As of 18" March 2025
St James Place
Wealth
Management
£150.00
Cash in Hand
£150.00
Vestry safe
£81,306.44
Gross Funds Avallable
£89.140.63
Llabilitie5
£12,000.00
£32.00
£16,000.00
Agne5 Pithie Capital
Benevolence- C for Life
Helensburgh URC
Reserves
£12.000.00
£16,OCQ.00
£28.032.00
£28,000.00
£53.274.44
Net Funds Avallable
£61,140.63
This is to certify that the related statements of accounts were approved
by a Meeting of the Trustees on-
Date= 4th April 2025
Church Secretarylsl
Signed..
On behalf of the TIu5tees ol t4elensbuigh Linited Reformed Church

Helensburgh United Reformed Church 13E06
Registered: Scottish Charlty- SC 014017
Summary of Benevolence for 2024
2023
Income 1£)
2024
2023
Expenditure 1£)
2024
Congregational Donations
Congregational Donations
£559.00
Commitment for Life
£637.00
£387.00
Commitment for Life
f637.00
£262.00
£45.00
£ioo.00
Turkey I Syria Earth Quake
Hel & Lomond Food Bank
Sea Farer5 Mission
£387.00
Other
£569.00
£946.00
Totals
£637.00
£1,363.00
Totals
£637.00

APPENDIX 3
Independent examiner's report on the accounts
Re ?L rt to Ihe Chanty name
truBt8•simomDers of
Helensburgh United Reloimed Church
Regislertrd charity SC 014017
number
On the accounts of the
¢harlty for the porlod
PerDJ slan dale
Penod end dale
Monlh
D￿eMbor
Year
2Q24
Jfinu&ry
lo
31
2024
Sfrt out on pages
ITwn•rnbw to LThe
numbtrs of ¥heetsl
Re8pectlve The charity's Iruslees are responsible IOT the preparation ol the accounts In accordance
respon8ibllltie8 of
with the leTm5 01 the Charib'es ancj Tnjslee Inveslmenl Iscoiiandl 2005 Act and th6
tru8tee$ and oxamlner Charities Accounts IS¢ollandl Regulaliuns 2006 las amand(￿1. The charity Iruslees
consider that the audit requirement ol Regulation 10111 {dl ol the Accounts Regulations
does noi apply. 11 is my re8ponsibi1ily to oxamin8 the accounts as required under section
44111 Icl ol the Act and lo slate whglher particular matters have come lo my att6nllon.
as18 01 Ind6pendènt My examlnalion is ¢atried oul in accordance with Regulation 1101 ltre 2006 Accounts
ex•mln•r's bl•t&ment Regulations. An examination includés a review of the accounting records kepl by Ihe
Charity and a comparlson of1he accounts pro5enled with those re.cords. 118lso includes
consideralion of any unusual ilem5 or discbsures in the accounts and seeks
explanations from tho Iruslees concerning any such mallers. The procedures undortaken
do not provide all the evid8nce th31 would be required in an audil 8nd. consequently, I do
not express an audit opinion on the viow given by Ihe accounts.
Independent examiner's In Ihft rx)iJrs8 ol my examinalion, no maller has come lo my attent￿n Ioiher than that
•latoment disclosed on the attached page'l
which gives Me reasonable cause 10 believe that In any malef￿1 respect the
requiremenl8.'
lo keep accounting records in 8ccordance wilh section 44111 lal of the 2005 Act and
Regu181ion 4 0( the 2006 Accounts Regulatioiis. and
lo prepare accounts which accord with the accounling records and comply wrth
Regulation 9 of the 2006 Ac¢ourtls Regulations
have nol been mel.
In whii-.Ii. iii ryiy (15)inii)11, Atlvnlion shoiild be drawn in order to enable 8 proper
Slgned:
Namc..
Rolgvant professlonal
qtsaiifi¢ationlsl or body
Ilf any)..
Oate:
Addrn8S:
'P*ase d01￿8 the Iho brackpi% t'lif'¥ ¢0 Dol il•PJ'y 11 thL' words rJpJly bL'I CL'I Ih06e rnBller8 whKh have te your 8tt8ntrorn on the
fcdknwng page

Helensbur8h United Reforn)ed Churth
Reglstered scottish Charity: SC 014017
Gmde B Listed Buildin
Co
eso
the
Trustees Annual Re
rt ondAttounts
eor endln
31" December 2024
Enclosure5:
Trustees Annual Report
Notes to the Accounts
Abstrart of Current Account
Agnes Pithie Memorial Fund
Fabric Account
Statement of Balances
Summary of Benevolence
Independent Examiners report
Church Minister..
Church Secretary{sl:
Church Treasurer:
Independent Examiner-

HelensI￿r
h Unlted Refomied Churth
35 West Princes Street
Helensbur8h
G84 8TF
Registered Scottlsh Charlty- SC 014017
Tru
ees Annual Re
rt and Accounts for Year endin
31° December 2024
Current Trustees..
Recruitment and a
ointment of trustees:
All Trustees were reappointed at the annual General Meeting IAGMI which was held on r May 2024
Vernin
Document:
The church is part ol the United Reformed Church aWKI fvnrtions in accordance with the Basis of Union and the Plan for
Partnership in Mtnisterial ￿munera￿On
haritèble Pur
The church exist5 primarily for the advancement of the Christian fasih. Our Mission Statement clari￿5 that purpose a5 beinB, to
Worship God, to care lor each other and to serve the communffy
Acti¥itles and Athie¥ements:
2024 has proven to be another difh.tult year duè to the incteased cost of li￿n¥ which has impacted on all our INes and continues
to do so.
Supported by our Elder5. especially our Church Secretaries. the Worship Group and w5iting Ministers,. we have been able ro
participale in Dur Sunday Morning lace to face aus of wonhip.
As we enter a new phase iffl the life of our Church, we hope to see it grow and progress. wrth ovr ser*lces enhanced through the
purchase of a new or8an and audio sysrem. We are able ro oller our Sannuary and church hall to local communlty 8roups for
use. related to well-being. exercise and fund raiyn8 events.
Our thank5 go out to all members of our Churth. whtsse generosFty and SLtpport. yet again. ha5 enabled u5 to rÈtsin financial
Stabiltty and 5afeguardln8 the futllTe vf our Church.
Trustee's remuneration and ex
No remunefationl51 were paid.
nse*"
Financial
e5er4e5
A5 Expected, IncrÈa5es Trn the cosi of living continues to impact on the *elPbeinB of our con8rÈ8ation and the runnin8 tosts ol
our Church. But, a5 previously mentfoned. thank5 to our congregation, their financial generO￿ty and continued support ha5
enabled our income to exceed our expenditvre by £250.￿ per month. a 8reai achiewement.
See-. Notes to the accounts
ablliti
Concluslon:
At present we are financially Sound and as treasurer l am confident that this will be retained throughout 202S.
Under Ihe leadershtp ol our Elders l Trustees. we thank you for yO￿r continued sllPPOrt and are conhdent that with the positive
attitude shown by all. our Church will continue the advancement of the chr￿an Far¢h in fulfilment of our Mission Statement.
Approved by the Trustees at their meeting held on if Marth 2025 and signed on thwr behaff=

Helensburgh Unlted reformed Church
Reglstered: Scottlsh Charlty SC 01417
Notes to the Accounts for 2024
Flnanclal
date:
As expected, increases in the cost of living continues to irnpact on the well being
and the running c05t5 of our Church. 8ut, thank5 to you, our congregation. your c
and financial generosity has enabled our Income to exceed expenditure by E250.
great change around from 2023.
f our congregation
ntinued support
per month,
Current A
ount:
Copy of 'Abstract of the Current Accouny for 2024 enclosed.
This account 15 used to linance day-to-day running expenses of ihe church.
Balance carried forward from 2024 to 2025 is £43.612.12, an increase of £3.196.1
2024, a healthy balance and a reassurin8 position to be in.
from 20231
F brlcA
unt:
Copy of 'Fabric Account, for 2024 enclosed.
This account is used to finance all fabric maintenance, repair and speclal projects
Balance carried forward from 2024 to 2025 is £19,562.76
ndin8.
Three SIBnalories are required for both account5.
Any 'one' can sign individual cheques. But, Iwn fiignrltories are required lor cheqLJC'S groater
than £5,000.CMJ.
With the introduction of many firms arid orBani5ations requirin8 payment by'ban
slgnature is not now perceived to be a Security issue.
rèn5ferf, single
hle Memorlal Fund- Restrl
Funds:
Copy of 'Agnes Piihie Memorial Fund Account, for 2024 15 yet to be recelved. therefore, we are
working to the bonuses ès of 31° December 2023.
As of 31" December 2023 the value of the fund wès £25.081.00.(X) giving bonu5e5
£13,081.CXJ.
Summary of 8enevolences for 2024 enc105ed.
Remuneratloft:
No such remuneration was paid out in 2024
No such expenses were Made.
Other Informatlon:
ln addition to funds shown on the Statement of Balances, enclosed, it should be nottd that our
Church owns the ChLbrch buildings and halls whilst acts of worship are taking place in these premises.
It is the intention of the Treasurer to ensure reserves of £16,1)00 ale taken forward
the General
Account at the commencement of each financial year. This amount Is equal to appr
imately three
months running Costs of our church.
Hall Let revenue,. an increased let income of El,000.00 over 2023
The combined cost for Gas and Electricity during 2024 was ElI.180.¢￿. but, we rece
£2,481.00 (Gas usage overcharge) resulting in an increase of £967.00.IXI over 2023.
ed a refund of

Helensburgh United Reformed Church
Re8 d. Scottish Charity SC 014017
Abstract of Current Account for Year Ending 31 December 2024
2023
INCOME
2024
£41,612.03
Bank Balance Carried Forward {CF)
Offerings
F.W.O
Open Plate
Levy
Levy / Special Donations
2023
2024
£40,415.97
£15,608.00
£7,352.00
£17,845.00
£7,201.00
£2.965.00
£380.00
£25,925.00
£25,426.00
£17,235.81
HMRC-Gift Aid Claim & Refund
£8,871.93
£17,235.81
£8,871.93
£7,302.75
£2,475.00
Hall / Room Lets
Lunch Club
£7,382.50
£3,605.50
£9,777.75
£10,988.00
Benevolence
Commitment for Life
Other Benevolence
£559.00
£387.00
£637.00
£946.1)0
£637.00
Fund RalslnB
Coffee Morning's
£690.00
£125.00
£255.00
£329.00
£1,290.00
£107.00
Cream / Jubilee Tea's
Christmas Fayre
Mid Day Music Concerts
Burn's Night
£310.00
£1,462.00
Other
£361.00
£48.00
£3.032.00
£1,945.00
Jolnt Pastorate
North Cluster
£8,315.46
Repayments
Sundrles
Mast rental
£9,250.00
£9,250.00
Transfers
Mast Rental
Ex Fabric Account / Agnes Pithie Acc
Contra
£74,482.02
-£1,196.06
£116,094.05
Gross Credlts
Net Credfts
£57,117.93
£3,196.15
£97,533.90
Gross Credlts & Balance CF

Helensburgh United Reformed Church
ReBd. Scottish Charlty ac 014017
Abstract of Current Account for Year Ending 31 December 2024
2023
EXPENDITURE
2024
£13,200.00
Ministry M&M (Trust)
Fixed Car & Housing Allowance
Housing Allowance NIC Cluster
Ministers Ex
enses & Nl
2023
2024
£13,21XI.00
£1,517.35
£5,910.64
Mln15ters Accommodation - NIC Cluster
Council Tax
Home Insurance
£973.22
£8,401.21
£0.00
Wages
Organist
Church Cleaners
£3,400.0
£5,476.50
£8,068.22
£8,876.50
£6,689.88
Church Insurance (Integra Claims}
£8,092.88
Utflities
Gas (see notes to the accounts)
Electricity
£4,824.26
£2,888.08
£7,458.67
£3,721.74
£7,712.34
£700.93
£105.00
£11,180.41
£867.88
£352.79
Internet/ Phone (Focus Group)
Advertisin8 1Prlnting
Church I Pulpit Supply
Chubb Fire /Security
CCLI Licence
DH Midi Organ / Synod Meet
Retiring- Visiting Ministerlsl
Piano Tuning
Stationary
Miscellanious
£86.48
£189.72
£290.00
£120.00
£140.00
£239.22
£398.90
£13,068.00
£495.00
£154.20
£1,098.31
£14,815.51
£1,464.32
Benevolences:
Commitment for Life
Other
£527.00
£407.00
£637.CM)
£934.00
£637.00
Transfers:
To Fabric Account - Mast Rental
Hlthftc. R(.'p.iyiii('iil
£9.250.00
£,80n 99
£9,250.00
£15,050.99
£9,250.00
£75,678.08
Gross Debtts
Bank Balance Carried Forward
2024
2025
£53,921.78
£40,415.97
£43,612.12

Helensburgh United Reformed Church
Registered.. Scothsh Charity SC014017
AEne5 Pithie Trustee Bond..
Bequest in 1988 of £12.00.00, interest available with effett from 1991.
Capital to be preserved In perpetuity
Terms of bequest: Interest to be used for "Maintenance of the Mlnlstry
and to help the Elderl¥ poor of the Church"
The £12.00.00 was invested in a Trustee Bond of Ethital Funds through St james Wealtt
Management, with effect frown 31 October 2011
Trustees..
Agnes Pithie Memorial Bond Ilnvestment 8ondl
Total Invested
£12.000.00
Withdrawals
£1.200.00
31" December 2023
Iisl January 20241
Current Encashment Value as èt
18" March 2025
E25.081.
£25,815.75
Current Unit Value
£25,081.00
31.12.2023
18.03.2025
£25,815.75
£13,081.00
Bonuses (Unrestricted)
£13,815.75