Iljli ,
11
Buckhaven Baptist Church SCIO
Annual Report & Aecovnts
for the Year ended
31M December 2025
OSCR
R￿￿￿1*1￿4$¢1u
Buckhaven Baptist Church SCIO is a Charity Registered in SeotlaDd, Charity Number
SC053047

Buelthaven Baptist Church SCIO
Trustees, Annual Report and AceouDts for the year eDded 31$¢ D¢tember 2025.
Current Trustees
George Warrender Secretary
David DO￿le
Treasurer
lan Llewelyn
Minister
Robert Scott
Funding Co-ordinator
Olher Trxslees durin
None
Year
Con¢acl Address
clo Mr G Warrender at 9 Beech Park, Leven, Fife KY8 5NG
oinlment o
Trustees
All of the Church's tsvstees are elected by the membership to serve for a peTiod of 5 years.
Governin
Document
The Church is a Scottish Charitable Incorp)rated Organisation (SCIO). and the purp)ses and administration
arrangements are set out in our constitution.
Charilable
ur
Oses
The Purposes are the advancement of religio￿ specifically the Christian faidL primartly in Buckhav¢n and
neighbouring parts of Fife, and also througbout Scotland and the rest of the world, by all means consistent
with:
The Christian Bible. and
The Declaration of Principle:
including, without prejudice to the foregoing generality. worship. ministry, mission, witness, PTayer,
fellowship, n¢tworking. education, community service and the provision of activities and facilities for the
eommunity.. and the relief of poverty atld other social needs, including the support of individuals and other
charitable Organisations and agencies involved in any or all of these.
Aclivities & Achievemenls
Our Pastor, lan Llew¢lyn has served the fellowship now for just short of 3 years and has been faithful in
proclaiming God's Word each week.
The 'Piayer Gathering, included a time of Bible Study each Wednesday at 2.(X) pm. We continue to be
encouraged by the numbers attending and the warnith of f¢llowship. As the Cosy Cafe l Food Distribution
operates until after 2.00 pm. making it difficult for those of the leadershTrp who are helw to attend the
Prayer Gathering, a Wednesday evening once a month was set &side to prny for th¢ congregatioll.
The Cosy Cafe continued to have an imrK)rtant impact on the community. held on Wednesdays from
I O.00am until noon when refreshments are served after which meals are served for appTOX. Ihour.
The Food Distribution progvramtne continues to run alongside the Cafe. Robcrt Scott takes charge over the
food distribution and overseeing the café. We have seen a ¢ontÉnued increase in the number of clients
requiring help.
Page l of 14

In September we held our Harvest Service using material sent from the Baptist Missionary Society. and an
off¢ring was tak¢n which w&$ sent to the B.M.S.
A Christmas gift was collected this year for the Zamkzi Mission in Malawi. and to be forwarded to their
UK Headquarters in January 2026
The hall has been used well for community use. having again hosted the Fife "O- gauge Group (model
trains). and Primary School special classes. as well as a request from a Breastfeeding Group
(breastfeedingnetwork.org.uk).
Sunday Morning worship again saw an international flavour with 3 African families and an Indian fath¢r and
daughter joining us on a weekly basis.
The congregation were invited to give thoughts on their personal vision for the fellowship, and from those
suggestions we were then able to start an over 60's Fellowship l Meal afternoon and various prayer walks
around Buckhaven were organised. A Men's Breakfast was also started. and the outreach "Good News"
paper was faithfully delivered to 100 homes per month throughout the year.
We are very grateful for the Grant donations we have received towards the cost of the food etc. for
distribution to those requiring help during this Cost-of-Living CFiSi& from Fife Voluntary Action. And foT
oth¢T donations havc bc¢n reccived from Thc SabiDa Sutherland Charitable TrL￿ The CORRA Foundation,
The Friends of Levenmoud4 and other Individuals, for which we again are very grateful.
Our continued prayer for 2026 is that the Lord will bring Èn more families which in tum will revive the
Children and Youth work.
Reserves
The Church held Unrestricted Funds of £59.655.83 at the year en￿ The Tn￿ consider that the General
Fund of £38,473.93 will enable us to continue to run the Church for the fortbcoming year.
Approved by the Trustees and signed on their behalf by
G Warrender (Secretary)
Date: 8 April 2026
Page 2 of 14

Buckhaven Baptist Church SCIO
Independent Examinerfs Report
Year ended 31 December 2025
Independent Examiner's Report to the Tn￿tee$ of Buckhaven Baptist Church SCIO,
Registered Charity Number SC053047.
I report on the financial statements of Buckhaven Baptist Church SCIO ('Yhe Church") for
the year ended 31 December 2025 which are set out on pages 4 to 14.
Respective responsibilities of Trustees and Examiner
The Church's Trustees are responsible for the preparation of the accounts in accordance with
the terms of the CharFties and Trustee Investment (Scotland) Act 2005 {"the 2005 ACV,) and
the Charities Accounts {Scotland) Regulations 2006 {as amended) ("the 2006 Regulations ).
The Church's Trustees considerthat the audit requirement of Regulation 10(1)(d) of the 2006
Regulations does not apply. It is my responsibilty to examine the accounts as required under
section 44(1)(c) of the 2005 Act and to state whether particular matters have come to my
attention.
Basls of Independent Examinerfs Ststement
My examination is carried out in accordan￿ with Regulation 11 of the 2006 Regulations. An
examination includes a review of the a￿￿unting records kept by the Church and a
Comparison of the accounts presented with those records. It also includes consideration of
any unusual items or disclosures in the accounts and seeks explanations from the Trustees
conceming any such matters. The procedures undertaken do not provide all the eviden
that would be required in an audit. and consequently I do not express an audit opinion on the
view given by the accounts.
Independent Examinerfs Ststement
In the course of my examination, no matter has come to my attention: _
(1) which gives me reasonable cause to believe that, in any material respect, the
requirements
(a) to keep accounting records in accordan￿ with section 44 (1) (a) of the 2005 Act and
Regulation 4 of the 2006 Regulations. and
(b) to prepare accounts which accord with the accounting records and comply with
Regulation 9 of the 2006 Regulations.
have not been met, or
(2) to which, in my opinion, attention should be drawn in order to enable a proper
understanding of the accounts to be reached.
Tom Bellfield CPFA
Date: 9 April 2026
P￿30f14

Buckhaven Baptist Church SCIO
Receipts and Payments Account
For the period from 01 January 2025to 31 December 2025
totslfijrx
10,7T&10
107.88
11743.16 49,￿725
107.88
275.87
1Q741
9244.77
4148f4Jlkl *.127
51.tw4 s7.￿.62
51&
394.68
).(M) 4.ffi5.00
51.620.f2 610A
51308
IQ7PJ).111 (3,931A11
Tr8nsf*s."
￿499.￿ 1.4￿48
1489811 16XfvI
Z741X> PS)3.611
I74￿ 11g)1611
6.YJl.46
13,￿721
1&934.461 111861211
(6.7￿.11) 13.931.411
IQ7E4J.111 A931AII
A3 46B&51
15￿ 70,347J5
21.181AI
.65&83 Wf
Gwwalfuxt
De&￿81ed
Cosy Cafe FuKJ
Fell(Mshi)FL
4n93
4T3.SI
35,730.43
I47&￿2
)7.46
I47&￿2
7.46
4.4S20
2275.16
9.4&*48
5.r18.91
15227.97
1.2W.14
6,751.87
122.50
Z275.16
9.4a48
M￿￿(￿￿Y Fund
)2(
126.58
1*5$
Ro￿Ve&F￿F￿
45.(X)
4427
Tots15
38A73.93 21.181.
59.655.83 66.415.94
4rA14

Buckhaven Ba
tist Church SCIO
Statement of Balances as at 31 December 2025
2025
2024
Unrestricted Funds
General Fund
38,473.93
35.730.43
Desi
nated Funds
Missionary Fund
Fellowship Fund
Reserve & Fabric Fund
Manse Letting Fund
Outreach Fund (fomierly Messy Church Fund)
Cosy Café Fund (fomerly Safe Haven Café Fund)
Hugh Fraser Foundation Fund
Jeffrey Charitable Trust Fund
Volunteer Support Fund
New Hope Corner Fund (formerly Renew Wellbeing Café Fund
Maintenance of Ministry Fund
Fife Voluntary Action Fund
80.00
807.46
122.50
632.27
45.00
6,757.87
384.58
5,778.91
9,483.48
126.58
3,478.02
44.27
392.00
1,200.14
15.327.97
30.685.51
502.00
2,275.16
4,429.20
21,181.90
Total Funds
59,655.83
66,415.94
resented b
Royal Bank of Scotland .' Cheque Account
Royal Bank of Scotland . Cheque Account (Café)
Royal Bank of Scotland . Savings Account
Cash in Hand
Totsl of Cash & Bank Balances
40.144.91
8,409.22
11,101.70
55,579.33
10,836.61
59.655.83
66,415.94
Note:
The Church has Property Assets as follows:
(There are no recent valuations. so figures slated are estimates by trustees)
Church Building & Hall. College Street. Buckhaven. KY8 1JZ
£300,000
Manse, 6 Brown Street, Buckhaven, KY8 1JW
£200,000
Approved by the Trustees and signed on their behalf by:
G Warrender (Secretary)
Date".
8 April 2026
Page 5 of 14

Bu¢khaven Baptist Church SCIO
Notes to the Accounts for tbe year ended 3151 Detember 2025
Nalure and Pur
oseo
Funds
Unrestricied Funds
Gencral Fund - through which the day-to-day income and nllming exjws of the Church
are Tecorded.
Desi
t¢d Funds
These are unrestricted fimds set &side by the Church for St￿lfiC purtK)ses and projects.
Missio
Fund- for receipt and disbursement of monies designated for missionary work.
Fellowshi Fund- for the ￿Trefit of any member of the fellowship in need or having a
special Occasio￿ to receive monies donat￿ for flornl decoration of th¢ Church, etc. or
other pufFK)ses at the discretiOTTr of the Deacons.
ReseTve & Fabric Fund- for repairs and maintenance of chU￿b & Manse buildings and
equipment
Manse Lettin Fund- for receipt and disbursement of monies received from letting out the
Manse. Part ot"income is to Ix used towards the Pastor's stipend and the rellRinder for the
upkeep of the Manse.
Outreach Fund- for receipt and disbursement of monies for outreach projects.
Cafe Fund- for receipt of incA>me and payment of expenses involved in the provision
of food and friendship to rneMbe￿ of the local community, particularly those who are in
f(KKI EX)verty, and specifically again this year in restx)nse to the Cost-of-Living Crisis.
H h Fraser Fo￿datiOn Fund- for receipt of Grant re(Eived from the Foundatio￿ for
expenses incurred in the purchase and disbursement of fo(xl etc.. through the Food Bank.
This Fund is now closed.
J¢ffte Charitable Trust Fund- for receipt of Grant received from the TnsL for expenses
InCu￿ed in the purchase and disbursement of food etc.. through the Food Bank.
This Fund is now closed.
Volunte¢T Su
expenses.
rt Fund- for re£eipt 0£ and disbursement of, Funding for Volunteer
New Ho
Corner Fund
fonnerl Renew Wellbein
Cafe Fund - With the agreement of
thosc who provided the funding for setting up "Renew Wellbeing, Cafe: this new fimd has
l*en set up. in conjunction with the Cosy Cafe: for receipt of, and disbursemenl of:
donations received for providing assistance and friendship for people mental health
issues. etc.
P*3e 6 (4 14

Maintenance of the Mini
F￿d- for the rnat￿gement of monie5 received towards the
costs of tnaintenance of the Ministy.
Fife Volun
Action
VA
Fund- for Ttteipt of Grants received from the FVA for
expenses incurred in the purch&se and disbursement of fo(xl etc., through the FIKKI Bank.
Trustee remuneralion and er
enses
Ian Llewelyn is eTnployed as Minister Ipart-tim¢) of th¢ Church and, &s so, received a Net
Stipend amountÉng to £12,487.75 over the Fitwicial YeaT. He also received Travel
Expenses (at 45p per mile) amounting to £53.10 and the Chutch paid Employers Pension
Contributions of £1.374.96.
No other remuneration or expen￿ were paid to the Tn￿eeS this year.
P•Je 7 of 14

Selected wiod: 01 January2(125to 31 Decernber2025
Total
Unrestti¢ted Designated Restrtcted Endowment Thls Last year
Receipts
Dorjatrons, LÈgatie$ and slmllor Incomfing resources
l(L31.OK￿r
175.19
175.19
2fy).12
9,W.frfJ
9,265.00
7,5XI.55 7.746.
1,040.(a)
3.051.fS¢
1,818.47
1219.08
7,&U&5
1.OqO.IX)
1o32B.Cts￿l
1033.C￿AlttTaX Rel￿5
511CQ
2.7(6.15
1.9J1.22
498.54
2￿.(
1,818.47
5&(
1.1eA.I
1034A.tNydittts fr*C(mmthtyUse
311.31
11.78
371J1
42.IX>
0.79
11_78
207.45
317.e
10ty1.s￿ia10ff￿[
141(1)
142.
242.
4.(Ll
i(m.rA)
4.049
1054.FurKlw Fr(AnTr￿￿￿
z(NJ).IK) 3).5￿).00
4,0492J
2.W.37
Donatigns, Legarie5 and similar 11K￿kn9 resources
Totals
21965.06 10.778.10
33,743.16 49,607.25
Activities in furtherance of the charil*8 objects
1(M9-Stw4 E￿ts
107
107.88
A¢tlvltles in furtherance of the charrvsobjects Totsls
107.88
107.88
In¥e$tments
1(K35.Intwest
265.09
275.87
InvestmÈnt$ Totsls
26&09
2fj5.09
275.87
Other income
1040.Sundry IrKx￿
0.01
1q193
10.19188
7.7(K).(NJ
.(M) 1,544.76
Othtrr incorne Totals
350.00 10.393.88
10,743.88 9,244.77
Re¢elpts &andT(rtals
21580.15 21279A6
- 44￿.01 59.127.89
Activities in furtherance of the charity$ objects
10
1ffln)
$110
6&70
1￿.P￿￿tsw￿&Tr￿
215.(X)
I.￿.￿ 1.64228
4U75
454.85
1.ffi8.
8d14

Total
Unre5trirted Designated Restricted End¢)wrnent This year Last year
01
291.3) 16.23￿19
973.
724.
1511.SthtishBattyFLThY
l5l2.D￿￿ti(￿S IExkndl
1513-Hea&Ltht
1514-Cleari
840.CQ &qO.(M)
1.226.Ql
1.211.14
3,681.49
Z276.44
8￿.59 784.46
42124
510.
1ffl1.49
1516-Pfflt&StatM
33124
11151
1517.SwKty ExtVW5
152).PvwTur
157ffj8
271.39
163.
12).Tr)
1￿.(M)
245.72
1,r513.02
1,OW.66
11.405.
1526.ITE(BJwma*&&fvHe
SJJ￿ 4.￿
5.191.(B
5.81&11
5875.11
1s31.rkx￿￿ Ilrrteffdl
4￿27
4,(W7 3.610.00
.(M) 220.(x)
59.76
23J.IX)
1537.Ca*rvJ
181.￿
181.(X)
172.LK)
12487.75 1Z05fj.36
162.17
1,1(KJ.04
1,374.i
1540.Nd&tvKI
11481.75
16117
1.1(X).04
1374
1.052.04
1,314.
395.81
931.49
.0)
401.40
931.49
.(
401.40
4.71658
101.&1
51Q.(K)
10133
510m
15K2.Vdw*wC(tsts
1.4￿
Activities in furtheranc• ofthe ¢hariVs objects Totals
2428194 25.773.30
51.056.24 57,999.62
Support costs
51&88
513.88
Support Gosts Totals
513.88
513.88
394.68
Expenditure on managing"administerlng the charity
fj5S4.BLl￿ir@I%I￿k&￿￿*Y
2,0￿.
2585.(M)
Expenditure ors managing-adminlstering charityToia15
50.IJO 4.fj65.00
PaY￿nts GrandTotsls
- 51.620.12 61059.30
9rf14

General Fund (Unres-tr￿)
Income and endowments
Donations. Legacies and stimlar fesryxrss
9.265.
7.746.
7.53155
1,tMo.(M)
2.53&04
1.818.47
55(KS
2.￿.1$
1.*5.&
0.79
275.87
275.87
other incotne
0.01
1.485.LNJ
1,4&5.01
24,037.13
Total Income and endowrnents
Expendlture
Activrbes in fUTil￿anCe ofthe charit*sCtied5
23.580.15
Sllo
1￿.[￿)
1.66&fy)
483.75
21.39
65.70
215.(Kl
1.64228
4SI.85
FilkNtSWI&Tr
T5.￿)
1276.44
730.15
.17
29)
130.(M)
245.72
1,043.02
18.92
199.(M)
&L
c￿nIr*￿
3.681.49
331.24
113.51
&YJ.46
IT
181.LY)
1Z487.75
16117
1,1(M).Di
1.374
172.(M)
1a051.36
StyErKJ
1,052.04
1.314.
Support o)sts
513.88
513A8
Exwnditufe on managiThg4dmintsterirvJ theth*ity
2.585.
Total Expenditure
25.846.82
26.576.35
12.539221
35,&55.10
2.914.$5
35,730.43
35.Th.43
5.010.17
38.473.93
Total carried forward balance
Missionary Fund (Designated)
Income and endowments
10d14

01 JanuW25
01 Janu*y2024
To
[k)natio￿, Lega￿eS and SiTthar McoNyr¥J
3r.45
142(X)
317.60
242.50
Total Income and endowm8nts
95853
1,058.64
Expgnditurg
A¢tiVrt￿ in ftffMer2r￿ oflhe chanV$ot¥eds
FVFltSw¥*&T￿
4(k
1,￿(rj
1.136.14
1,136.14
Total Expenditure
1.266.03
I￿7 9))
1S)
Total carried forward balance
80.1
122.50
Fellowshlp Fund {Desig)atedl
Income and endowments
Donat¥)ns. Lega￿e5 and I￿>m1￿J re5WT
17S19
2fA).12
17S19
Total Income and endowrn8nts
175.19
266.50
ExpÈndlture
Activibes in fvrIheTar￿e of the chariWsobjeLts
Ilrrtanal
Total Expenditure
50.00
175.19
415.71
Total carriod forward balance
807A6
632.27
Reserve & Fabric Fund {Dgsignated)
Income endowments
Donatiork%, Legaa8sand %rnlar reS￿￿S
low.￿)
Total Income and endowments
2.500.00
Expenditure
Activities in furtherarte oflt* ¢hanVsot4e¢ts
.81
15,781.45
B1
Eynditure on managing-administeriro the rtharÈty
1,340.CM)
1,340.00
17,421.44
114.921.441
7.433.47
7.532.97
45.00
Total Expenditure
269.81
(269.811
45.(
4.81
Trw6feBtrS(fronl
Total carried forward balance
Letting Fund (Designated)
Incorne and endowments
Othw illLY)rne
10,191
7.7rx).
Total Incorne arsd •ndowmènts
10.1>3.88
7.700.ori
ExpendlturÈ
Activit￿ in fvrtherar¢e 0fts￿ chanV5￿￿e￿5

01 January2024
To
180.(Xi
3.610.OD
3,7W
3.790.00
4.(W.27
4.468.27
Total Expenditure
4.468.27
6.75T.87
11511.15
-(&663.281
6.757.87
Total carriad forward balance
9.483.48
(Xrtmch Fund (Deslgnated)
InGomÈ and endowments
Donatio￿5. Legaues and srynlar resou
Total Incorne and endowments
Expenditure
Activthes in fUrthera￿e ofthe charitysobjects
145.
145.00
Total Expenditure
348.00
PS8 (X>l
145.00
Total carrled totrmfard balart¢È
126.58
384.58
Cosy Cafe Fund (Designated)
Income and endowments
DOnat￿InS, Legauesand ￿mmar in(x)rnN￿ resources
co
19.49
37131
11.78
2.(K¥).(
4,049
7,WS.38
2.W.37
A¢tiiribes in furthetarKe olthe (*witKs obje¢ts
107.88
107.88
Oth8r irKX)m8
59.76
Totsl Income and endomrynents
Expendlture
Activibes in fvtherarK8 oflhe charitys￿le{ts
7A1126
3.065.62
449.34
54.31
P(rrt&Slatimy
151.88
ITEquitKFEtrt&WdYae
1,￿.74
1.989.21
59.76
395.81
4.016.67
&6W.14
ExPe￿Itute On TTWnagi￿￿jmiri￿1Y Ihe rjwity
Totsl Expenditure
8,517.82
I1.105.￿)
5.718.91
11.195.331
3.478.02
4,706.67
11.PA1.051
6,XJ4.28
915.88
5,778.91
T[ar￿r￿*$Ifv￿￿>
Total carried forward balance
12(rf14

01 Januwy2025
01 January2024
Volunteersupport Fund {Desiynated)
Expenditure
Activsbes irb fuwtherarKe 01th8 charivs ￿jE(ts
Total Expenditure
39.60
4427
4.671
44.27
t￿(fr[￿nI
Totsl carrlÈd fonvar¢l balan¢e
44.27
New Hope CoMerlfrfflwtyRw￿w￿￿Cafe} Fund (Designated)
Incorne awtd endowments
Othw itrDme
2(U.
Total Incorne and endo¥nnents
Expenditure
Activibes in fUrtherar￿ o1th8 ¢tharitysi*eds
200.00
Total ExpendFture
1.090.IXI
Tr￿£￿ Wtroml
Total Ca￿led forward balance
1.(￿.￿)
502.1)0
392.00
Maintenance of the Winisty Fund {Desig*d)
Income and endowment5
tk)natK)ns, Lega(ies and rescxj
4X>.Tr)
Z2XJ.(
1250.00
2.29)(
121￿.14
1.174.98
2.275.16
Total Income and endowments
2,3CM).06
1,1)99.92
1.200.14
Traths ￿(fr[ThI
Total Ca￿led foThTard balance
Fif9 Voluntarykntion Fund (Desi￿￿ted)
Income and endoThTnents
Donatio￿5. Legacies and svr*ar resrAJrr
20,S)O.(M)
20.￿.(KI
20.500.00
Totsl InGome and endowrnents
Expenditure
Activities in ftfftherance ofthe thJity50Lye(ts
1fA).95
3,261.08
Cc*ts
931.49
7￿.(￿)
401AO
4,776.
101.$3
510.(M)
1.4%CI)
3.4Tlm
3.422.03
Total Expenditure
9,773.77
19.TT3.77i
15.327.97
11,7S).CM)I
15,327.97
Totsl ¢arri8d forward balance
4,429.20
PaF13Lf14

O1JaD￿ry2O24
Hugh FraserFoundalion Fund (De5igTrated)
Expenditure
Activthes in furthera￿8 ofthe tha￿￿SobJeC1s
2.811.67
2,811.67
2,811.67
IZ811.671
2,811.67
Total Expenditure
Total cairied forward balance
Jeffrey Charitablg TnBtFund (DeSI￿atsd)
Expenditure
ActNrties in fUrthera￿0fthe thritysobJ&*s
I(MM).(X)
3.(NM).(x)
3,000.00
Total Expenditure
i(NyJ.
Total ¢arried forward balance
14d14