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2025-12-31-accounts

REGISTERED CHARITY NUMBER: SC45774

Report of the Trustees and

Unaudited Financial Statements for the Year Ended 31 December 2025

for

GRACE CHURCH LEITH

Mann Judd Gordon Ltd Chartered Accountants 26 Lewis Street Stornoway Isle of Lewis HS1 2JF

GRACE CHURCH LEITH

Contents of the Financial Statements for the Year Ended 31 December 2025

Page
Report of the Trustees 1 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5
Balance Sheet 6
Notes to the Financial Statements 7 to 14
Detailed Statement of Financial Activities 15

GRACE CHURCH LEITH

Report of the Trustees for the Year Ended 31 December 2025

The trustees present their report with the financial statements of the charity for the year ended 31 December 2025. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

OBJECTIVES AND ACTIVITIES

Aims and Affiliation

Grace Church Leith Free Church of Scotland is a congregation of the Free Church of Scotland working towards the common aims set out below. It is a Presbyterian church adhering in its worship and doctrine to the position of the Church of Scotland at the Reformation. The Free Church of Scotland has an explanatory document which explains the origins of the Church and which gives the historical background to the Church coming into being in 1843 and lists documents in which is embodied the constitution of the Church. The document is available on request from the Free Church of Scotland, 15 North Bank St., The Mound, Edinburgh, EH1 2LS.

The Free Church of Scotland currently has over 100 congregations in Scotland, as well as one in London and four in North America, and sister Churches founded by mission work in India, Peru and South Africa. The Church also has a seminary in Edinburgh for the training of ministers and other Christian workers and sustains an extensive missionary programme relative to the size of the church. The principal activity of the Church is the conduct of public worship and associated matters in the context of local congregations.

Dating from 1843 but with its roots in the Reformation, the Free Church of Scotland owes its distinctive title to its historical struggle to remain 'free' from state interference in its internal affairs. It has close and active relations with many other Reformed churches of Jesus Christ throughout the world and stands firmly in the tradition which accepts the Bible in its entirety as the Word of God and, therefore, derives its forms of teaching, worship, ministry and government from it. The main emphasis of our worship is the preaching of the gospel - the good news of a free and sovereign salvation through Jesus Christ alone.

The congregation is authorised by the Church to have a minister paid from central funds of the Church.

Page 1

GRACE CHURCH LEITH

Report of the Trustees for the Year Ended 31 December 2025

ACHIEVEMENTS AND PERFORMANCE

Charitable activities

During the year, the congregation met regularly for public worship and carried out various activities in pursuit of the above stated aims.

The congregation continued its commitment to support the Free Church of Scotland both spiritually and financially.

Significant highlights, events and developments of note over the year include the following: -

In relation to congregational activities :

In relation to congregational funding :

FINANCIAL REVIEW

Results for the year

As a result of a surplus for the year of £9,401 the church held total funds amounting to £552,807 at the end of the year. That consisted of a General Fund amounting to £10,645 and restricted funds totalling £542,162.

The trustees are satisfied with the level of reserves retained by the charity.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Status of Charity and Governing Document

Grace Church Leith Free Church of Scotland is established by Constitution. It is a registered Scottish Charity (No. SC045774).

Recruitment and appointment of new trustees

The Kirk Session exercises its discretion in determining the most appropriate method of electing new Trustees (Elders and Finance Committee members). Any election process must involve the communicant membership of the congregation. There is no fixed term for Trusteeship. Prior to their appointment, new Trustees would have served the Church for some time in various roles and would be familiar with the Church's values, its aims and objectives as well as its day-to-day operations. As part of their induction programme, new Trustees are required to understand their statutory responsibilities as well as the responsibilities of their office within the congregation as Elder or Finance Committee member.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity number

SC45774

Page 2

GRACE CHURCH LEITH

Report of the Trustees for the Year Ended 31 December 2025

Principal address

3 Shrubhill Walk Edinburgh EH7 4RB

Trustees

The congregation is governed and administered by elected office bearers and its minister.?The Kirk Session, being the minister and elected elders, has responsibility for spiritual oversight. Under Charity Law, the Finance Committee (the minister, elders and elected additional Finance Committee members), are deemed to be the trustees of the congregation as those with responsibility for financial matters and day to day management and control.

The members of the Finance Committee (the Trustees) who served during the year were as follows:-

Finance Committee Minister: Rev A Rennie Elders: K McGibbon, A Duckering, K Macleod Additional Finance Committee Members: C de Waal, R Campbell

Independent Examiner

Mann Judd Gordon Ltd Chartered Accountants 26 Lewis Street Stornoway Isle of Lewis HS1 2JF

Approved by order of the board of trustees on 15 June 2026 and signed on its behalf by:

A Duckering - Trustee

Page 3

Independent Examiner's Report to the Trustees of Grace Church Leith

I report on the accounts for the year ended 31 December 2025 set out on pages five to fourteen.

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's trustees consider that the audit requirement of Regulation 10(1)(a) to (c) 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 the independent examiner's report

My examination was 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 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 I do not express an audit opinion on the view given by the accounts.

Independent examiner's statement

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

have not been met; or

Andrew Cumming CA The Institute of Chartered Accountants of Scotland

Mann Judd Gordon Ltd Chartered Accountants 26 Lewis Street Stornoway Isle of Lewis HS1 2JF

15 June 2026

Page 4

GRACE CHURCH LEITH

Statement of Financial Activities for the Year Ended 31 December 2025

Unrestricted
fund
Notes
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
63,778
Charitable activities
4
Charitable activities
-
Other trading activities
3
1,089
Total
64,867
EXPENDITURE ON
Charitable activities
Central Funds
54,534
Charitable activities
15,722
Staffing costs
198
Total
70,454
NET INCOME/(EXPENDITURE)
(5,587)
RECONCILIATION OF FUNDS
Total funds brought forward
16,232
TOTAL FUNDS CARRIED FORWARD
10,645
Restricted
funds
£
110,326
17,500
-
127,826
-
82,607
30,231
112,838
14,988
527,174
542,162
31.12.25
31.12.24
Total
Total
funds
funds
£
£
174,104
176,952
17,500
10,000
1,089
989
192,693
187,941
54,534
41,390
98,329
91,231
30,429
26,904
183,292
159,525
9,401
28,416
543,406
514,990
552,807
543,406

The notes form part of these financial statements

Page 5

GRACE CHURCH LEITH

Balance Sheet 31 December 2025

Notes
FIXED ASSETS
Tangible assets
8
CURRENT ASSETS
Debtors
9
Cash at bank and in hand
CREDITORS
Amounts falling due within one year
10
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT
LIABILITIES
CREDITORS
Amounts falling due after more than one year
11
NET ASSETS
FUNDS
13
Unrestricted funds
Restricted funds
TOTAL FUNDS
Unrestricted
fund
£
2,258
6,451
25,499
31,950
(23,563)
8,387
10,645
-
10,645
Restricted
funds
£
897,144
-
20,405
20,405
(21,840)
(1,435)
895,709
(353,547)
542,162
31.12.25
Total
funds
£
899,402
6,451
45,904
52,355
(45,403)
6,952
906,354
(353,547)
552,807
10,645
542,162
552,807
31.12.24
Total
funds
£
906,626
7,295
49,561
56,856
(45,487)
11,369
917,995
(374,589)
543,406
16,232
527,174
543,406

The financial statements were approved by the Board of Trustees and authorised for issue on 15 June 2026 and were signed on its behalf by:

K McGibbon - Trustee

The notes form part of these financial statements

Page 6

GRACE CHURCH LEITH

Notes to the Financial Statements for the Year Ended 31 December 2025

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities and Trustee Investment (Scotland) Act 2005. The financial statements have been prepared under the historical cost convention.

The presentation currency of the accounts is Pound sterling (£). The accounts are rounded to the nearest £1

The Charity is a going concern and there are no material uncertainties casting significant doubt over its ability to continue as a going concern.

Critical accounting judgements and key sources of estimation uncertainty

Fixed asset net book value and depreciation charges are the areas of the accounts which are affected by significant judgements and estimates. The trustees exercise judgement in determining both the useful economic life and the likely residual value of the charity's assets. This judgement affects the rates of and charge for depreciation as well as grant release in the accounts for the year. It also therefore affects the net book value of the assets in the balance sheet.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Income from government and other grants, whether capital grants or revenue grants, is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received and the amount can be measured reliably and is not deferred.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Freehold property - not provided Plant and machinery - 20% depreciation on cost

Assets not measured at fair value are reviewed for any indication that the asset may be impaired at each balance sheet date. If such indication exists, the recoverable amount of the asset is estimated and compared to the carrying amount. Where the carrying amount exceeds its recoverable amount, an impairment loss is recognised in profit or loss unless the asset is carried at a revalued amount where the impairment loss is a revaluation decrease.

Taxation

The charity is exempt from tax on its charitable activities.

continued...

Page 7

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

1. ACCOUNTING POLICIES - continued

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Debtors and creditors

Debtors and creditors with no stated interest rate and receivable or payable within one year are recorded at transaction price. Any losses arising from impairment are recognised in the Statement of Financial Activities.

2. DONATIONS AND LEGACIES

3.

4.

Offerings and donations
Gift aid
Property Fund donations
Minister's Housing Allow Fund
Apprentice Fund donations
OTHER TRADING ACTIVITIES
Miscellaneous income
INCOME FROM CHARITABLE ACTIVITIES
Activity
Grants
Charitable activities
Grants received, included in the above, are as follows:
Fyrish Foundation
Sychar Gospel Fund
Free Church of Scotland
31.12.25
£
55,814
18,814
78,465
20,710
301
174,104
31.12.25
£
1,089
31.12.25
£
17,500
31.12.25
£
7,500
-
10,000
17,500
31.12.24
£
31.12.24
£
31.12.24
£
67,678
18,181
67,135
20,295
3,663
176,952
31.12.24
£
989
31.12.24
£
10,000
31.12.24
£
-
10,000
-
10,000

continued...

Page 8

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

5. GRANTS PAYABLE

GRANTS PAYABLE
31.12.25
£
Charitable activities
1,800
31.12.24
£
1,840
The total grants paid to institutions during the year was as follows:
31.12.25
£
Acts 29 Western Europe
1,800
Big Give Edinburgh
-
31.12.24
£
1,690
150
1,800 1,840

6. TRUSTEES' REMUNERATION AND BENEFITS

The minister was paid from the Free Church of Scotland central funds for his office as minister and was reimbursed by the congregation for expenses incurred in that role, including housing allowance as the congregation does not have a manse.

31.12.25 31.12.24
£ £
Rev Athole Rennie - housing allowance 25,757 22,681
Rev Athole Rennie - allowance for council tax, electricity and gas bills 4,672 4,098
30,429 26,779

Trustees' expenses

During the year, four trustees received £8,290 in total in reimbursed expenses (2024: three trustees received £7,910).

7. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

Unrestricted
fund
£
INCOME AND ENDOWMENTS FROM
Donations and legacies
62,992
Charitable activities
Charitable activities
-
Other trading activities
989
Total
63,981
EXPENDITURE ON
Charitable activities
Central Funds
41,390
Charitable activities
18,196
Staffing costs
470
Total
60,056
NET INCOME
3,925
Restricted
funds
£
113,960
10,000
-
123,960
-
73,035
26,434
99,469
24,491
Total
funds
£
176,952
10,000
989
187,941
41,390
91,231
26,904
159,525
28,416

continued...

Page 9

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

7.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -
Unrestricted
fund
£
RECONCILIATION OF FUNDS
Total funds brought forward
12,307
TOTAL FUNDS CARRIED FORWARD
16,232
8.
TANGIBLE FIXED ASSETS
Freehold
property
£
COST
At 1 January 2025 and 31 December 2025
890,680
DEPRECIATION
At 1 January 2025
-
Charge for year
-
At 31 December 2025
-
NET BOOK VALUE
At 31 December 2025
890,680
At 31 December 2024
890,680
9.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Other debtors
Gift aid debtor
Prepayments and accrued income
7.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES -
Unrestricted
fund
£
RECONCILIATION OF FUNDS
Total funds brought forward
12,307
TOTAL FUNDS CARRIED FORWARD
16,232
8.
TANGIBLE FIXED ASSETS
Freehold
property
£
COST
At 1 January 2025 and 31 December 2025
890,680
DEPRECIATION
At 1 January 2025
-
Charge for year
-
At 31 December 2025
-
NET BOOK VALUE
At 31 December 2025
890,680
At 31 December 2024
890,680
9.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Other debtors
Gift aid debtor
Prepayments and accrued income
continued
Restricted
funds
£
502,683
527,174
Plant and
machinery
£
36,120
20,174
7,224
27,398
8,722
Total
funds
£
514,990
543,406
Totals
£
926,800
20,174
7,224
27,398
899,402
890,680 15,946 906,626
31.12.25
£
796
4,738
917
6,451
31.12.24
£
2,954
4,341
-
7,295

continued...

Page 10

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

10. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

10.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.12.25
£
Bank loans and overdrafts (see note 12)
21,840
Other creditors
23,563
45,403
11.
CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN ONE YEAR
31.12.25
£
Bank loans (see note 12)
315,547
Other creditors
38,000
353,547
12.
LOANS
An analysis of the maturity of loans is given below:
31.12.25
£
Amounts falling due within one year on demand:
Stewardship mortgage
21,840
Amounts falling due between two and five years:
Stewardship mortgage
87,360
Amounts falling due in more than five years:
Repayable by instalments:
Stewardship mortgage
228,187
Other loans
38,000
266,187
31.12.24
£
21,840
23,647
45,487
31.12.24
£
336,589
38,000
374,589
31.12.24
£
21,840
87,360
249,229
38,000
287,229

During 2021 the charity was in receipt of a loan of £435,000 from Stewardship Services (UKET) Limited to be repaid monthly over a period of 15 years. The initial interest rate was 4.25% per annum. The rate is variable on one month's notice. The loan is secured by means of a first Legal Charge over the premises (3 Shrubhill Walk, Edinburgh, EH7 4RB).

During 2020 the charity was in receipt of an unsecured, interest free loan of £38,000 for which no repayment is required for the first 10 years, with the repayment then spread over monthly instalments over 5 years after the 10 years has elapsed.

continued...

Page 11

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

13. MOVEMENT IN FUNDS

Unrestricted funds
General Fund
Restricted funds
Property Fund
Care Team Fund
Minister's Housing Allowance Fund
Additional Staff Fund
TOTAL FUNDS
Net movement in funds, included in the above are as follows:
Unrestricted funds
General Fund
Restricted funds
Property Fund
Care Team Fund
Minister's Housing Allowance Fund
Additional Staff Fund
TOTAL FUNDS
At 1.1.25
£
16,232
503,039
2,962
11,546
9,627
527,174
543,406
Incoming
resources
£
64,867
84,138
-
25,887
17,801
127,826
192,693
Net
movement
At
in funds
31.12.25
£
£
(5,587)
10,645
19,656
522,695
(1,811)
1,151
(4,344)
7,202
1,487
11,114
14,988
542,162
9,401
552,807
Resources
Movement
expended
in funds
£
£
(70,454)
(5,587)
(64,482)
19,656
(1,811)
(1,811)
(30,231)
(4,344)
(16,314)
1,487
(112,838)
14,988
(183,292)
9,401

Comparatives for movement in funds

Unrestricted funds
General Fund
Restricted funds
Property Fund
Care Team Fund
Minister's Housing Allowance Fund
Additional Staff Fund
TOTAL FUNDS
At 1.1.24
£
12,307
484,991
4,238
12,610
844
502,683
514,990
Net
movement
in funds
£
3,925
18,048
(1,276)
(1,064)
8,783
24,491
28,416
At
31.12.24
£
16,232
503,039
2,962
11,546
9,627
527,174
543,406

continued...

Page 12

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

13. MOVEMENT IN FUNDS - continued

Comparative net movement in funds, included in the above are as follows:

Unrestricted funds
General Fund
Restricted funds
Property Fund
Care Team Fund
Minister's Housing Allowance Fund
Additional Staff Fund
TOTAL FUNDS
Incoming
resources
£
63,981
84,928
-
25,370
13,662
123,960
187,941
Resources
Movement
expended
in funds
£
£
(60,056)
3,925
(66,880)
18,048
(1,276)
(1,276)
(26,434)
(1,064)
(4,879)
8,783
(99,469)
24,491
(159,525)
28,416

A current year 12 months and prior year 12 months combined position is as follows:

Unrestricted funds
General Fund
Restricted funds
Property Fund
Care Team Fund
Minister's Housing Allowance Fund
Additional Staff Fund
TOTAL FUNDS
At 1.1.24
£
12,307
484,991
4,238
12,610
844
502,683
514,990
Net
movement
in funds
£
(1,662)
37,704
(3,087)
(5,408)
10,270
39,479
37,817
At
31.12.25
£
10,645
522,695
1,151
7,202
11,114
542,162
552,807

continued...

Page 13

GRACE CHURCH LEITH

Notes to the Financial Statements - continued for the Year Ended 31 December 2025

13. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Unrestricted funds
General Fund
Restricted funds
Property Fund
Care Team Fund
Minister's Housing Allowance Fund
Additional Staff Fund
TOTAL FUNDS
Incoming
resources
£
128,848
169,066
-
51,257
31,463
251,786
380,634
Resources
Movement
expended
in funds
£
£
(130,510)
(1,662)
(131,362)
37,704
(3,087)
(3,087)
(56,665)
(5,408)
(21,193)
10,270
(212,307)
39,479
(342,817)
37,817

14. RELATED PARTY DISCLOSURES

Included within creditors falling due after one year is a loan from one of the trustees, Mr K Macleod, and his wife. The repayment terms are detailed in the "Loans" note.

15. EXPLANATION OF FUNDS

General Fund - represents funds to be used for general purposes - e.g. payments to attend the Church annual weekend away.

Minister's Housing Allowance Fund - represents funds donated to the Church to be used to fund the minister's housing allowance and to cover the minister's costs for council tax, electricity and gas bills.

Property Fund - represents funds donated to the Church to be used to cover the running costs of our building such as electricity, repairs & maintenance and the like and the mortgage thereon

Care Team Fund - represents funds donated to the Church to be used to provide financial assistance to those in the Church or in the wider community who have a significant need. The Care Team are responsible for deciding how these funds are used.

Additional Staff Fund - represents funds donated to the Church to be used for the salary and staff costs relating to our additional ministry staff and operations manager.

Page 14

GRACE CHURCH LEITH

Detailed Statement of Financial Activities Detailed Statement of Financial Activities Detailed Statement of Financial Activities
for the Year Ended 31 December 2025
31.12.25 31.12.24
Unrestricted Restricted Total Total
funds funds funds funds
£ £ £ £
INCOME AND ENDOWMENTS
Donations and legacies
Offerings and donations 55,814 - 55,814 67,678
Gift aid 7,964 10,850 18,814 18,181
Property Fund donations - 78,465 78,465 67,135
Minister's Housing Allow Fund - 20,710 20,710 20,295
Additional Staff Fund donations - 301 301 3,663
Other trading activities 63,778 110,326 174,104 176,952
Miscellaneous income 1,089 - 1,089 989
Charitable activities
Grants - 17,500 17,500 10,000
Total incoming resources 64,867 127,826 192,693 187,941
EXPENDITURE
Charitable activities
Free Church minister and administration levies 43,923 - 43,923 41,390
Other salaries & Staff Costs - 47,283 47,283 29,209
Care Team Fund - 1,811 1,811 1,276
Property Costs 179 30,998 31,177 31,471
Ministry Expenses 21,709 - 21,709 16,267
Accountancy 1,670 - 1,670 1,536
Sundry Expenses 363 - 363 177
Plant and machinery 810 6,414 7,224 6,986
Mortgage interest - 26,332 26,332 29,373
Grants to institutions 1,800 - 1,800 1,840
70,454 112,838 183,292 159,525
Total resources expended 70,454 112,838 183,292 159,525
Net income (5,587) 14,988 9,401 28,416

This page does not form part of the statutory financial statements

Page 15