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2024-12-31-accounts

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

CHARITY REGISTRATION NUMBER: SC049968

The Orthodox Monastery of All Celtic Saints Financial Statements

31 December 2024

CHARIOT HOUSE LIMITED

Chartered accountants & statutory auditor

44 Grand Parade Brighton BN2 9QA

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Financial Statements

Year ended 31 December 2024

Page
Trustees' annual report 1
Independent auditor's report to the members 9
Statement of financial activities 13
Statement of financial position 14
Statement of cash flows 15
Notes to the financial statements 16
The following pages do not form part of the financial statements
Detailed statement of financial activities 27
Notes to the detailed statement of financial activities 29

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report

Year ended 31 December 2024

The trustees present their report and the financial statements of the charity for the year ended 31 December 2024.

Reference and administrative details

Registered charity name The Orthodox Monastery of All Celtic Saints
Charity registration number SC049968
Principal office Lunga Cottage
Torloisk
Isle of Mull
Argyll
The trustees
(Appointed 3 June 2024)
(Appointed 3 June 2024)
Senior management personnel
Auditor Chariot House Limited
Chartered accountants & statutory auditor
44 Grand Parade
Brighton
BN2 9QA
Bankers National Westminster
Leeds Customer Service Centre
1 Victoria Place
Holbeck
Leeds
LS11 5AN
Solicitors Turcan Connell
Princes Exchange
1 Earl Grey Street
Edinburgh
EH3 9EE
Burness Paull LLP
50 Lothian Road
Festival Square
Edinburgh
EH3 9WJ

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Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Structure, governance and management

Constitutional Form

The Charity, The Orthodox Monastery of all Celtic Saints SCIO (SC049968), was established on 19 February 2020 to replace the Charity, Kilninian Trust (SC045473). All assets and liabilities were transferred to The Orthodox Monastery of All Celtic Saints SCIO (SC049968) during the year to 31 December 2021.

The Trustees have prepared fully accrued accounts given the level of income during the year and expected income in future years.

Recruitment and Appointment of Trustees

There should be at least 3 trustees, and apart from the first trustee, every trustee must be appointed for a term of 5 years.

When recruiting new trustees, the Board consider and approach individuals within the Religious Community who they believe have the appropriate skills to develop the objectives of the Charity.

Governing Document

The Charity was constituted as a Scottish Charitable Incorporated Organisation (SCIO) on 19 February 2020 and is governed by its written constitution.

Objectives and activities

The objects of the charity are to

(a) to advance the Orthodox Christian religion by the formation and development of Orthodox Christian monastic communities and settlements through the creation of monasteries on the Isle of Mull and elsewhere;

(b) advancing the traditions of the Orthodox Church through the conduct of services, providing a place for prayer and the promotion of faith;

(c) providing and assisting in the provision of retreats and pilgrimages (including accommodation); religious events such as workshops and exhibitions; education concerning the Celtic Christian religion and cultural heritage;

(d) supporting other Orthodox Christian monastic communities in Scotland and elsewhere

The Orthodox Church is often referred to as the Eastern or Greek (or Russian/Serbian/Romanian etc) church. To its adherents, it is the living continuation of the original Christian Church, whose unity was broken in the 11th Century, when the Great Schism divided the Western (Catholic) and Eastern (Orthodox) Churches. The Orthodox Church remains the principal Christian denomination for Eastern Europe, and has a growing number of western adherents.

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Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Objectives and activities (continued)

This brief background explains why members of the Orthodox churches are keen to preserve the memory and traditions of the Christian Church in the British Isles during the first millennium. Throughout that period, the Christian Church was united, with no distinction between east and west. In the north and west of the British Isles, the local Christian Church of that era is often referred to as the 'Celtic Church'. Its influence was profound and it expanded through the formation of monastic communities, which provided a base for the religious focus and for the education and cultural enrichment of the native Celtic and Anglo Saxon peoples of northern and western England, Scotland and Ireland. During the age of Viking invasions, many important figures came to Scotland and England and established monasteries and communities which promoted and preserved Christian beliefs and culture of the area using monastic communities as centers for religious, artistic and cultural life.

The trustees believe that preserving and promoting Christianity as lived during the first millennium when Christianity was not torn and functioned as one united Church, will contribute to the social and religious tolerance between the various ethnic Christian groups in the UK.

Monasticism in the Orthodox Church remains an important - even essential - element in its life up to the present day and Orthodox monasticism has always retained the character of these Celtic communities, in providing centers for the promotion of faith professed, and for pilgrimages and retreats for the nonmonastic wishing to deepen their spiritual lives. Small communities are often a common feature of monastic life in the Orthodox Church.

Establishing monastic communities in the Scottish Isles (such as Mull and Iona) would re-awaken the tradition of the first millennium. Celtic monasticism developed and expanded in this area particularly during the 6th through 10th centuries. Great monasteries were established on islands such as Iona, Inch Kenneth and, undoubtedly, on Mull itself.

The Orthodox Monastery of All Celtic Saints aims to establish and support monastic communities on these islands. These communities would cater to the needs of Orthodox Christians, as well as Christians from other traditions, who appreciate the history of the Celtic Church and its associations with the Western Isles (a tradition which is also characterised by care for the natural surroundings and beauty of the landscape). Representatives of the Celtic tradition include those who founded the monasteries on Iona (St Columba), on Lindisfarne (St Cuthbert and St Aidan) and Whithorne (St Ninian). This tradition formed the subject matter, and the basis, for the great historical account of the British Isles

The Monasteries

These monasteries will support pilgrims, they will strive to integrate with, and support the local community. They will seek to respect the traditions and values of the Celtic church, which are those continued by the Orthodox Church today, and would promote dialogue with other faith communities.

The monasteries would provide a means for the Charity to fulfil its other objectives. They will engage with the public, both with members of the various ethnic orthodox Christian groups in the United Kingdom and those of other faiths who would be inspired by the awareness of the Christian Celtic tradition. They will arrange pilgrimages, retreats, courses for education, exhibitions, art and crafts workshops which would promote awareness of all Orthodox Christianity in the context of this Celtic Christian past. The monasteries will publish books and pamphlets to educate those interested in the Orthodox Church, in the Celtic traditions, and in the religious life.

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Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Objectives and activities (continued)

Whilst the formation of monastic communities requires the provision of accommodation, food and other basic necessities of their monastics, Orthodox monasteries are never isolated from the context in which they function, but are always ready to receive guests and pilgrims.

Anyone would be able to benefit. The Charity and the monasteries will encourage pilgrims and will promote awareness of the traditions and history of the Celtic tradition in particular and the Orthodox Church in general. They will seek to work with the local community and promote inter-faith relations and dialogue with anyone interested in the Orthodox and Celtic Christian traditions.

The Orthodox Church welcomes all pilgrims and enquirers. Whilst Orthodox and Celtic monasteries may house either only men or women, they will welcome, provide accommodation, and arrange pilgrimages, programs, workshops, exhibitions and retreats for male and female visitors without discrimination.

Operations & Public Benefit

The monasteries would be open to all and would look for projects which could expand and promote Orthodox Christianity, monastic life and the cultural heritage of the Celtic Christian tradition.

The Charity will seek to raise funds primarily to finance its purpose and objective, rather than make grants or donations to other organisations. However, the Charity's aims allow it to promote similar charitable purposes, objects or institutions in such proportions and manner as the Trustees think fit, in accordance with the doctrines of the Orthodox Church.

The Charity owns a former (disused) Church of Scotland missionary chapel. The Charity also owns adjacent land surrounding the chapel and four residential properties, structured as two functioning monastic communities: Lunga Cottage and Fladda Cottage, neighbouring the land owned at Kilninian, on the Isle of Mull (these form a women's monastic community); and Iona Cottage and Clachanach, on the Isle of Iona (these form a men's monastic community).

No-one will be required to be a member of the Orthodox Church to visit the monasteries or to participate in its cultural and educational projects. All will be welcomed. The Charity will aim to welcome families, pilgrims and local visitors, to hold exhibitions and arrange for small forums and groups to meet.

Following the established practice of Orthodox monasteries, the Monasteries will aim to provide up to three nights of free accommodation and food to their pilgrims. Donations will be accepted from those who visit. This aim will be practically limited by the available space and the spiritual schedule of each monastic community. Apart from providing free accommodation and food to its short-term pilgrims, the monastic communities will also offer paid specialised pilgrimages to people who wish to stay for longer, and to travel and be guided to other holy sites of the Western Isles.

The trustees are aware of their responsibilities for the protection of young or vulnerable people and the need to put in place essential safeguarding procedures. Child protection policies will be established, and a trustee (and in due course, an independent person) will be nominated to monitor safeguarding procedures for children, young people, and vulnerable adults.

The community will aim to be self-supporting, keeping in mind that a monastic life is based on poverty and simplicity of life. The resources of the trust will be dedicated mainly to furthering the objects of establishing and supporting monastic communities and enabling them to welcome guests and pilgrims, and generally to promote public awareness of the Orthodox and Celtic Christian tradition.

4

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Objectives and activities (continued)

Arts

The Charity intends to arrange exhibitions and arts and crafts workshops associated with the history of the Celtic Christian communities, and of the Orthodox Church; these would include, as well as generate, artworks. It intends to establish a permanent exhibition of items relevant to local religious history, to monasticism and to the Orthodox and Celtic traditions. It is in the course of publishing a series of booklets on prayer, pilgrimage and the religious life.

Religious Activities

The monasteries on Mull and Iona will serve all Orthodox Christians, and also those interested in the Orthodox Christian faith, those from other Christian denominations, and those interested in the history of the Celtic Christian church.

The monasteries will have, as their centre, either a church or a chapel in which English language services in the Orthodox Christian tradition will be regularly held, according to a daily pattern. Pilgrims and visitors will be welcome to such public services, although the Orthodox church allows full participation only by adherents.

Achievements and performance

2024 was defined by two major developments: one, the Monastery on the Isle of Mull organised the consecration of Kilninian, which was the largest in-person event since the foundation of the SCIO; and two, the Monastery on Iona purchased a second property on the island, which secured separate accommodation space for the monastic community and their pilgrims.

Mull Monastery

The Consecration of Kilninian Church in July 2024 required more than six months of planning and preparation. More than 30 volunteers were involved, organised in groups dealing with different aspects of the organisation: the service itself, music, preparation of the church, communication with pilgrims, organising shopping, cooking, cleaning, managing accommodation, managing transport, parking, handing out food, etc. More than 200 pilgrims took part in the Consecration service itself and the events connected to the service.

The Consecration also generated a lot of secondary work at Kilninian, such as the ongoing landscaping and gardening work, and the need to manage the state of the ancient trees around the church. A tree surgeon was employed to deal with the rotting trees and the branches hanging over the public road and electrical wires. We also continued our gardening and landscaping work, expanding our garden and meditation areas at Kilninian.

Also in 2024, we replaced the faulty heating system at Fladda Cottage, which required plumbing and electrical works, as well as the installation of a new oil tank and a new boiler.

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Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Achievements and performance (continued)

Iona Monastery

In the summer of 2024 we finished the exchange of Oran na Mara (a property on the Isle of Mull) with Clachanach (a property on the Isle of Iona). This was a long process, initiated in 2024 by the previous owners of Clachanach and supported financially through donations received from the American Friends of the Celtic Saints in the USA. This new property allowed us to separate the monastic community from our pilgrims. The property also came with some land, which allowed the moanstic community to start working on landscaping and creating a flower and vegetable garden. A new greenhouse was installed, a new shed was built and we purchased a beehive.

Because Clachanach is an old house, professional assessments of the roof, heating system, electrical system, plumbing system, etc. should be carried out in the future. Given the very limited work force available on Iona, this process may take a year or two to finalise.

Financially, as in previous years, we have received great support from the American Friends of the Celtic Saints in the USA. Our Mull Monastery and Iona Monastery YouTube Channels continued to grow during 2024. Between them, we attracted a total of 4.3 million views since we started recording.

Based on the conclusions and recommendations of the audit for the previous year, we have also expanded the Board of Trustees by electing two new Trustees. They reflect the international support of the Charity (Mr Alberts is resident in the USA; Mr O'Dell is resident in Germany). Also at the recommendations of the auditor, we have started the work to create a Heritage Fund, a reserve account intended to cover the essential expenses of the SCIO for a period of three years.

Looking forward, we note that the Monastery on Mull does not own any pilgrimage accommodation space and that there is no extra accommodation space available to allow further growth of the monastic community. We also note that the Monastery on Iona does not have a proper place of worship, so we need to start the process of identifying suitable properties for both Monasteries, as well as possible fundraising opportunities.

6

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Financial review

Key risks for the organisation

A risk assessment has been undertaken by means of:

This continuing process will identify risk areas to which the trust is vulnerable and highlight any necessary safeguards that will need to be put in place. No major risks were identified at the date of these financial statements.

Reserves policy

The Charity has created an unrestricted Heritage Fund dedicated to covering operational expenses, emergency expenses, utility bills, professional fees, visa expenses and other expenses as approved by the Trustees. 100,000 pounds have already been transferred into the account and there is a plan to gradually increase the amount to a total that would cover such expenses for a period of up to three years. Based on previous years, a general estimation of the total needed for three years is 200,000 pounds.

Plans for future periods

Looking forward, our main focus for 2025 is the purchase of a new property for the Monastery on Mull, starting the preparation work for a planning application for a Church on Iona, and initiating the various repairs needed by both communities (such as the roof replacement for Clachanach and a new water source for Lunga and Fladda Cottages).

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Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Trustees' Annual Report (continued)

Year ended 31 December 2024

Trustees' responsibilities statement

The trustees are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice). The law applicable to charities in Scotland requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charity and of the income and expenditure, of the charity for that period. In preparing these financial statements, the trustees are required to:

· select suitable accounting policies and then apply them consistently;

· observe the methods and principles in the applicable Charities SORP;

· make judgments and accounting estimates that are reasonable and prudent;

· state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements;

· prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in business.

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities and Trustees Investments (Scotland) Act 2005, the Charity Accounts (Scotland) Regulations 2006, and the provisions of the Trust Deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities

11 September 2025

The trustees' annual report was approved on ................................... and signed on behalf of the board of trustees by:

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Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Independent Auditor's Report to the Members of The Orthodox Monastery of All Celtic Saints

Year ended 31 December 2024

Opinion

We have audited the financial statements of The Orthodox Monastery of All Celtic Saints (the 'charity') for the year ended 31 December 2024 which comprise the statement of financial activities, statement of financial position, statement of cash flows and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

 have been prepared in accordance with the requirements of the Charities and Trustee Investment (Scotland) Act 2005 and regulation 8 of the Charities Accounts (Scotland) Regulations 2006 (as amended).

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

9

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Independent Auditor's Report to the Members of The Orthodox Monastery of All Celtic Saints (continued)

Year ended 31 December 2024

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The trustees are responsible for the other information. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charity and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees' report.

We have nothing to report in respect of the following matters in relation to which the Charities Accounts (Scotland) Regulations 2006 (as amended) requires us to report to you if, in our opinion:

Responsibilities of trustees

As explained more fully in the trustees' responsibilities statement, the trustees are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

10

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Independent Auditor's Report to the Members of The Orthodox Monastery of All Celtic Saints (continued)

Year ended 31 December 2024

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

As part of an audit in accordance with ISAs (UK), we exercise professional judgment and maintain professional scepticism throughout the audit. We also:

 Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.

 Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the internal control.

 Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the trustees.

 Conclude on the appropriateness of the trustees' use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the charity's ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor's report to the related disclosures in the financial statements or, if such disclosures are inadequate, to to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor's report. However, future events or conditions may cause the charity to cease to continue as a going concern.

 Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and whether the financial statements represent the underlying transactions and events in a manner that achieves fair presentation.

We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

11

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Independent Auditor's Report to the Members of The Orthodox Monastery of All Celtic Saints (continued)

Year ended 31 December 2024

Use of our report

This report is made solely to the charity's members, as a body, in accordance with Regulation 10 of the Charities Accounts (Scotland) Regulations 2006. Our audit work has been undertaken so that we might state to the charity's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity's members as a body, for our audit work, for this report, or for the opinions we have formed.

12 September 2025

For and on behalf of Chariot House Limited Chartered accountants & statutory auditor 44 Grand Parade Brighton BN2 9QA

Chariot House are eligible to to act as auditors in terms of section 1212 of the Companies Act 2006.

12

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Statement of Financial Activities

Year ended 31 December 2024

Year ended 31 December 2024
2024 2023
Unrestricted Designated
funds funds Total funds Total funds
Note £ £ £ £
Income and Endowment
Donations 4 521,218 521,218 578,764
Charitable activities 5 40,569 40,569 51,199
Investment income 6 2,608 2,608
Other income 7 32,400 32,400 35,210
Total income 596,795 596,795 665,173
================================ ============== ================================ ================================
Expenditure
Expenditure on raising funds:
Costs of fundraising 8 9,137 9,137 8,717
Expenditure on charitable activities 9,10 303,826 17,929 321,755 204,740
Other expenditure 11 600 600
Total expenditure 313,563 17,929 331,492 213,457
================================ ============================ ================================ ================================
Net income 283,232 (17,929) 265,303 451,716
================================ ============================ ================================ ================================
Transfers between funds 79,170 (79,170)
Other recognised gains and losses
Gains from revaluation of fixed assets 150,780
Net movement in funds 362,402 (97,099) 265,303 602,496
Reconciliation of funds
Total funds brought forward 1,613,942 1,936,942 3,550,884 2,948,388
Total funds carried forward 1,976,344 1,839,843 3,816,187 3,550,884
========================================= ========================================= ========================================= =========================================

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 16 to 25 form part of these financial statements.

13

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Statement of Financial Position

31 December 2024

Fixed assets
Note
Tangible fixed assets
17
Current assets
Stocks
18
Debtors
19
Cash at bank and in hand
Creditors: amounts falling due within one year
Net current assets
20
Total assets less current liabilities
Creditors: amounts falling due after more than one year
21
Net assets
Funds of the charity
Designated funds:
Permanent Designated funds
Expendable Designated funds
Unrestricted funds:
Revaluation reserve
Other unrestricted income funds
Total unrestricted funds
Total charity funds
22
2024
£
3,788,307
12,116
8,643
127,273
--
148,032
36,915
�---·1-•---·
111,117
2023
£
3,402,531
14,302
16,702
263,719
294,723
46,485
--
248.238
3,650,769
99,885
3,550.884
1,936,942
150,780
1,463,162
1,613,942
3,550,884
3,899,424
83,237
---�-�-·---
3,816,187
·==-=-=-=..:..c.:.=-•••::.
1,739,106
100,737
1,976,344
-T.
1,976,344
3,816,187

proved by the board of trustees and authorised for issue on half of the board by:

The notes on pages 16 to 25 fonn part of these financial statements.

14

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Statement of Cash Flows

Year ended 31 December 2024

The Orthodox Monastery of All Celtic Saints
Statement of Cash Flows
Year ended 31 December 2024
2024 2023
£ £
Cash flows from operating activities
Net income 265,303 451,716
Adjustments for:
Depreciation of tangible fixed assets 49,727 36,129
Other interest receivable and similar income (2,608)
Accrued (income)/expenses (9,570) 6,059
Changes in:
Stocks 2,186 (11,302)
Trade and other debtors 8,059 (12,648)
Trade and other creditors (16,648) (16,648)
Cash generated from operations 296,449 453,306
Interest received 2,608
Net cash from operating activities 299,057 453,306
================================ ================================
Cash flows from investing activities
Purchase of tangible assets (962,203) (277,576)
Proceeds from sale of tangible assets 526,700
Net cash used in investing activities (435,503) (277,576)
================================ ================================
Net (decrease)/increase in cash and cash equivalents (136,446) 175,730
Cash and cash equivalents at beginning of year 263,719 87,989
Cash and cash equivalents at end of year 127,273 263,719
================================ ================================

The notes on pages 16 to 25 form part of these financial statements.

15

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements

Year ended 31 December 2024

1. General information

The charity is a Public Benefit Entity and a registered charity in Scotland and is a Scottish Charitable Incorporated Organisation (SCIO). The address of the principal office is Lunga Cottage, Torloisk, Isle of Mull, Argyll.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the 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) (Charities SORP (FRS 102)) and the Charities and Trustee Investment (Scotland) Act 2005 and the Charity Accounts (Scotland) Regulations 2006 (as amended).

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

The trustees are of the opinion that there are no material uncertainties about the charity's ability to continue as a going concern and in arriving at this opinion have considered a period of at least 12 months from the signing of the accounts.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or Designated funds.

16

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Income

All income is included in the statement of financial activities when entitlement has passed to the charity, it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

Expenditure

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

17

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Tangible assets (continued)

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Freehold property - 1% Straight line excluding land
Shepherds hut - 10% straight line
Fixtures, fittings and - 25% straight line
equipment
Motor vehicles - 25% straight line
Computer equipment - 25% straight line
Improvements to property - 1% straight line

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cash-generating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

Stocks

Stocks are measured at the lower of cost and estimated selling price less costs to complete and sell. Cost includes all costs of purchase, costs of conversion and other costs incurred in bringing the stock to its present location and condition.

18

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Financial instruments

A financial asset or a financial liability is recognised only when the entity becomes a party to the contractual provisions of the instrument.

Basic financial instruments are initially recognised at the amount receivable or payable including any related transaction costs.

Current assets and current liabilities are subsequently measured at the cash or other consideration expected to be paid or received and not discounted.

4. Donations

Donations
Unrestricted Designated Total Funds
Funds Funds 2024
£ £ £
Donations
Donations 74,849 74,849
Online donations 121,404 121,404
Donations from American Friends of All Celtic Saints 311,550 311,550
Donations from Patriarchate 3,575 3,575
Donated assets 9,840 9,840
521,218 521,218
================================ ============== ================================
Unrestricted Designated Total Funds
Funds Funds 2023
£ £ £
Donations
Donations 112,253 112,253
Online donations 80,785 80,785
Donations from American Friends of All Celtic Saints 205,819 179,907 385,726
Donations from Patriarchate
Donated assets
-------------------------------- -------------------------------- --------------------------------
398,857 179,907 578,764
================================ ================================ ================================

5. Charitable activities

Charitable activities
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Books 6,255 6,255 6,086 6,086
Icons 14,591 14,591 25,301 25,301
Prayer Ropes 19,509 19,509 18,578 18,578
Embroidery 214 214 1,234 1,234
40,569 40,569 51,199 51,199
============================ ============================ ============================ ============================

19

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

6. Investment income

6. Investment income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Bank interest receivable 2,608 2,608
======================= ======================= ============== ==============
7. Other income
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Contributions to pilgrimages 32,400 32,400 35,800 35,800
Online subscriptions (590) (590)
32,400 32,400 35,210 35,210
============================ ============================ ============================ ============================
8. Costs of fundraising
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Costs of fundraising 9,137 9,137 8,717 8,717
======================= ======================= ======================= =======================
9. Expenditure on charitable activities by fund type
Unrestricted Designated Total Funds
Funds Funds 2024
£ £ £
Religious activities 289,460 17,929 307,389
Support costs 14,366 14,366
303,826 17,929 321,755
================================ ============================ ================================
Unrestricted Designated Total Funds
Funds Funds 2023
£ £ £
Religious activities 168,529 17,929 186,458
Support costs 18,282 18,282
186,811 17,929 204,740
================================ ============================ ================================
10. Expenditure on charitable activities by activity type
Activities
undertaken Support Total funds Total fund
directly costs 2024 2023
£ £ £ £
Religious activities 307,389 307,389 186,458
Governance costs 14,366 14,366 18,282
307,389 14,366 321,755 204,740
================================ ============================ ================================ ================================

20

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

11. Other expenditure

Other expenditure
Unrestricted Total Funds Unrestricted Total Funds
Funds 2024 Funds 2023
£ £ £ £
Loss on disposal of tangible fixed
assets held for charity's own use 600 600
============== ============== ============== ==============

12. Taxation

The charity is a charitable company within the meaning of the Finance Act 2010. Accordingly the charity's activities fall within the exemptions from taxation in respect of income or capital gains afforded by the provisions of the Corporation Taxes Act 2010 and the Taxation of Chargeable Gains Act 1992 to the extent that such income or gains are applied for charitable purposes.

13. Net income

Net income is stated after charging/(crediting):

2024 2023
£ £
Depreciation of tangible fixed assets 49,727 36,129
Loss on disposal of tangible fixed assets 600
============================ ============================
Auditors remuneration
2024 2023
£ £
Fees payable for the audit of the financial statements 7,060 6,600
======================= =======================

14. Auditors remuneration

15. Staff costs

The total staff costs and employee benefits for the reporting period are analysed as follows:

2024 2023
£ £
Wages and salaries 48,811 34,196
============================ ============================

The average head count of employees during the year was 11 (2023: 7).

No employee received employee benefits of more than £60,000 during the year (2023: Nil).

16. Trustee remuneration and expenses

The Trustees did not receive any remuneration or expenses in their role as trustees during the year.

, who is a Trustee and is responsible for the day-to-day running of the Charity, is remunerated in his role as a priest only and received £6,427 (2023: £6,520).

21

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

17. Tangible fixed assets

Fixtures, Improveme
Freehold Shepherds fittings and Motor nts to
property Hut equipment vehicles property Total
£ £ £ £ £ £
Cost
At 1 Jan 2024 3,182,157 21,088 24,056 2,700 240,445 3,470,446
Additions 920,282 5,904 11,540 24,477 962,203
Disposals (525,000) (1,700) (526,700)
At 31 Dec 2024 3,577,439 21,088 29,960 12,540 264,922 3,905,949
========================================= ============================ ============================ ============================ ================================ =========================================
Depreciation
At 1 Jan 2024 51,448 2,109 10,604 1,350 2,404 67,915
Charge for the
year 34,927 2,109 6,907 3,135 2,649 49,727
At 31 Dec 2024 86,375 4,218 17,511 4,485 5,053 117,642
========================================= ============================ ============================ ============================ ================================ =========================================
Carrying amount
At 31 Dec 2024 3,491,064 16,870 12,449 8,055 259,869 3,788,307
========================================= ============================ ============================ ============================ ================================ =========================================
At 31 Dec 2023 3,130,709 18,979 13,452 1,350 238,041 3,402,531
========================================= ============================ ============================ ============================ ================================ =========================================

Freehold property includes land of £84,758 that has not been depreciated.

Tangible fixed assets held at valuation

The freehold property Oran Na Mara was revalued at £525,000 as of 8 November 2023. The valuation was carried out by DM Hall Chartered Surveyors. The property was sold in 2024.

18. Stocks

18. Stocks
2024 2023
£ £
Raw materials and consumables 12,116 14,302
============================ ============================
19. Debtors
2024 2023
£ £
Prepayments and accrued income 8,643 16,702
======================= ============================

22

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

20. Creditors: amounts falling due within one year

20. Creditors: amounts falling due within one year
2024 2023
£ £
Accruals and deferred income 20,267 29,837
Other creditors 16,648 16,648
36,915 46,485
============================ ============================
21. Creditors: amounts falling due after more than one year
2024 2023
£ £
Other loans 83,237
============================
99,885
============================

21. Creditors: amounts falling due after more than one year

A US supporter provided an interest free loan of £166,477 to Kilninian Trust in 2018. No interest was payable for two years and thereafter the loan is repayable over ten years. The first repayment of £16,648 was paid by Kilninian Trust in October 2021 and the remaining liability of £149,829 was transferred to The Orthodox Monastery of All Celtic Saints in November 2021.

22. Analysis of charitable funds

Unrestricted funds

At
At Gains and 31 Dec 202
1 Jan 2024 Income Expenditure Income Expenditure Transfers losses 4
£ £ £ £ £ £
General funds 1,463,162 596,795 (313,563) 229,950 1,976,344
Revaluation
reserve 150,780 (150,780)
1,613,942 596,795 (313,563) 79,170 1,976,344
========================================= ================================ ================================ ================================ ============== =========================================
At
At Gains and 31 Dec 202 Gains and 31 Dec 202
1 Jan 2023 Income Expenditure Transfers losses 3
£ £ £ £ £ £
General funds 1,173,424 485,266 (195,528) 1,463,162
Revaluation
reserve 150,780 150,780
1,173,424 485,266 (195,528) 150,780 1,613,942
========================================= ================================ ================================ ============== ================================ =========================================

Expenditure includes depreciation of £27,862 (2023: £7,795).

Revaluation reserve

During the previous year Oran na Mara was revalued with the gain on revaluation taken to reserves.

23

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

22. Analysis of charitable funds (continued)

Designated funds

At
At Gains and 31 Dec 202
1 Jan 2024 Income Expenditure Income Expenditure Transfers losses 4
£ £ £ £ £ £
Iona Cottage and
Fladda Cottage 1,757,035 (17,929) 1,739,106
Donation from
American Friend
for purchase of
properties 179,907 (179,907)
Heritage fund 100,737 100,737
1,936,942 (17,929) (79,170) 1,839,843
========================================= ============== ============================ ================================ ============== =========================================
At
At Gains and 31 Dec 202 Gains and 31 Dec 202
1 Jan 2023 Income Expenditure Income Expenditure Transfers losses 3
£ £ £ £ £ £
Iona Cottage and
Fladda Cottage 1,774,964 (17,929) 1,757,035
Donation from
American Friend
for purchase of
properties 179,907 179,907
Heritage fund
1,774,964 179,907 (17,929) 1,936,942
========================================= ================================ ============================ ============== ============== =========================================

Iona Cottage and Fladda Cottage

The properties are held in a designated fund with depreciation charged to the fund each year.

In 2022 £1,774,964 was transferred from restricted funds to designated funds, being the net book value including legal fees of £26,885 of Iona Cottage and Fladda Cottage at 31 December 2022.

Donation from American Friends for purchase of properties

Funds were received in the year prior towards the purchase of properties in the next year.

Heritage fund

The charity has created a designated Heritage Fund under the control of the trustees to use at their discretion, dedicated to covering operational expenses, emergency expenses, utility bills, professional fees, visa expenses and other expenses as approved by the Trustees. The charity plans to gradually increase the amount to a total that would cover such expenses for a period of up to three years.

24

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Financial Statements (continued)

Year ended 31 December 2024

23. Analysis of net assets between funds

Analysis of net assets between funds
Unrestricted Designated Total Funds
Funds Funds 2024
£ £ £
Tangible fixed assets 2,049,201 1,739,106 3,788,307
Current assets 47,295 100,737 148,032
Creditors less than 1 year (36,915) (36,915)
Creditors greater than 1 year (83,237) (83,237)
Net assets 1,976,344 1,839,843 3,816,187
========================================= ========================================= =========================================
Unrestricted Designated Total Funds
Funds Funds 2023
£ £ £
Tangible fixed assets 1,645,496 1,757,035 3,402,531
Current assets 114,816 179,907 294,723
Creditors less than 1 year (46,485) (46,485)
Creditors greater than 1 year (99,885) (99,885)
Net assets 1,613,942 1,936,942 3,550,884
========================================= ========================================= =========================================
Analysis of changes in net debt
At At
1 Jan 2024 Cash flows 31 Dec 2024
£ £ £
Cash at bank and in hand 263,719 (136,446) 127,273
================================ ================================ ================================

24. Analysis of changes in net debt

25. Related parties

who is a Trustee, is the Chairperson of American Friends of the Celtic Saints. The charity received donations from this organisation during the year amounting to £311,550 (2023: £385,726).

who is also a resident member of the religious community and therefore benefits from the provision of accommodation and subsistence on the same basis as other members and visitors to whom hospitality is extended.

25

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Management Information

Year ended 31 December 2024

The following pages do not form part of the financial statements.

26

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Detailed Statement of Financial Activities

Year ended 31 December 2024

The Orthodox Monastery of All Celtic Saints
Detailed Statement of Financial Activities
Year ended 31 December 2024
2024 2023
£ £
Income and Endowment
Donations
Donations 74,849 112,253
Online donations 121,404 80,785
Donations from American Friends of All Celtic Saints 311,550 385,726
Donations from Patriarchate 3,575
Donated assets 9,840
521,218 578,764
Charitable activities
Books 6,255 6,086
Icons 14,591 25,301
Prayer Ropes 19,509 18,578
Embroidery 214 1,234
40,569 51,199
---------------------------- ----------------------------
Investment income
Bank interest receivable 2,608
Other income
Contributions to pilgrimages 32,400 35,800
Online subscriptions (590)
32,400 35,210
---------------------------- ----------------------------
Total income 596,795 665,173
================================ ================================

27

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Detailed Statement of Financial Activities (continued)

Year ended 31 December 2024

The Orthodox Monastery of All Celtic Saints
Detailed Statement of Financial Activities(continued)
Year ended 31 December 2024
2024 2023
£ £
Expenditure
Costs of fundraising
PayPal and Stripe fees 9,137 8,717
Expenditure on charitable activities
Purchases 24,153 11,493
Wages and salaries 48,811 34,196
Rates and water 3,326 5,021
Light and heat 13,290 13,617
Repairs and maintenance 55,747 18,567
Insurance 9,593 8,169
Motor vehicle expenses 10,199 7,338
Other motor/travel costs 12,082 13,816
Legal and professional fees 23,447 30,079
Telephone 2,443 2,224
Other office costs 8,914 2,322
Depreciation 49,727 36,129
Web Hosting 1,189 666
Postage 7,237 6,168
Other costs 8,855
Charitable donations 2,252
Production Costs 95 270
Visa Expenses 4,718 8,904
Kilninian Consecration 30,419
Pottery 3,205 5,761
Beekeeping expenditure 2,053
321,755 204,740
Other expenditure
Loss on disposal of tangible fixed assets held for charity's own use 600
Total expenditure 331,492 213,457
================================ ================================
Net income 265,303 451,716
================================ ================================

28

Docusign Envelope ID: D964F97E-E82B-487D-93D4-AA7A38C27556

The Orthodox Monastery of All Celtic Saints

Notes to the Detailed Statement of Financial Activities

Year ended 31 December 2024

Year ended 31 December 2024
2024 2023
£ £
Costs of fundraising
Costs of fundraising
PayPal, Stripe and other bank fees 9,137 8,717
Costs of fundraising 9,137 8,717
======================= =======================
Expenditure on charitable activities
Religious activities
Activities undertaken directly
Accommodation and meals 24,153 11,493
Wages/salaries 48,811 34,196
Rates & water 3,326 5,021
Light & heat 13,290 13,617
Repairs & maintenance 55,747 18,567
Insurance 9,593 8,169
Motor vehicle expenses 10,199 7,338
Travel costs 12,082 13,816
Legal and professional fees 9,081 11,797
Internet & telephone 2,443 2,224
Office costs 8,914 2,322
Depreciation 49,727 36,129
Web hosting 1,189 666
Postage 7,237 6,168
Other costs 8,855
Charitable donations 2,252
Production Costs 95 270
Visa Expenses 4,718 8,904
Kilninian Consecration 30,419
Pottery 3,205 5,761
Beekeeping expenditure 2,053
307,389 186,458
Governance costs
Accountancy fees 7,306 11,682
Audit fees 7,060 6,600
14,366 18,282
---------------------------- ----------------------------
Expenditure on charitable activities 321,755 204,740
================================ ================================

29