THE ST GERMOE FABRIC TRUST
The objective of the Charity is to raise funds the income of which will be available to repair and maintain St Germoe Church, the Churchyard, Cemetery and Church Hall and to expedite further the religious and charitable work of the Church of England in the parish of Germoe to ensure that the Church remains open as a place of worship and community facility for the benefit of the public.
Objects
The objects of the Charity are:(a) The advancement of religion in accordance with the rites of the Church of England and the other charitable work of the Church of England by maintaining, repairing, improving and providing for the upkeep and general running costs of the Church of St Germoe and its churchyard, the cemetery and church hall situated in the parish of Germoe in the Diocese of Truro.(b) The advancement of such other objects or purposes which are exclusively charitable according to the law of England and Wales and in such manner as the Managing Trustees may in their absolute discretion consider may be expedient to further the religious and charitable work of the Church of England in the parish of Germoe, in particular, to ensure that the Church of St Germoe remains open as a place of worship and community facility for the benefit of the public. (c) If and in so far as the Managing Trustees consider the objects in sub-clauses (a) and (b) have been satisfied for the time being, the advancement of religion in accordance with the rites of the Church of England and the other charitable work of the Church of England by maintaining, repairing, improving and providing for the upkeep of any of the other churches, churchyards, cemeteries or church halls situated in The United Benefice of West Kerrier. The Trustees shall apply the income of the Trust Fund and in their absolute discretion may apply all or any part of the capital of the Trust Fund in promoting the Objects in such manner as the Trustees in their absolute discretion shall think fit.
Financial health, per its FY2025 accounts
The accounts state that the charity relies entirely on investment income from COIF funds, having ceased fundraising activities. Total unrestricted income for the year was £29,259, with unrestricted reserves ending at £24,346, indicating a stable financial position without deficit funds.
What the accounts disclose
“provided that the reserves are not reduced to less than 66% finances of the fund unless exceptional circumstances present which would result in hardship for the church and trustees feel a viable outcome would be achieved by accessing extra reserves.”
Policies the charity declares
- Bullying and harassment policy and procedures
- Complaints handling
- Complaints policy and procedures
- Conflicting interests
- Financial reserves policy and procedures
- Internal charity financial controls policy and procedures
- Internal risk management policy and procedures
- Investing charity funds policy and procedures
- Investment
- Risk management
- Safeguarding policy and procedures
- Safeguarding vulnerable beneficiaries
- Serious incident reporting policy and procedures
- Trustee conflicts of interest policy and procedures
From the charity’s annual return (Part A, self-declared)
Self-declared on the annual return for the financial year ending 31/12/2025
- Grant-making is its main activity
Self-declared on the annual return for the financial year ending 31/12/2024
- Grant-making is its main activity
Self-declared on the annual return for the financial year ending 31/12/2023
- Grant-making is its main activity
Trustees
- Dr Philip Alan Shutechair
- BETTE ROSE OWEN
- Gwynneth Mary Willett
- Mary Alice Diana Harry
Income and spending
| Financial year end | Income | Spending |
|---|---|---|
| 31/12/2025 | £29k | £28k |
| 31/12/2024 | £29k | £18k |
| 31/12/2023 | £28k | £18k |
| 31/12/2022 | £27k | £22k |
| 31/12/2021 | £27k | £27k |
Common questions
Is THE ST GERMOE FABRIC TRUST financially healthy?
Per its FY2025 accounts: The accounts state that the charity relies entirely on investment income from COIF funds, having ceased fundraising activities. Total unrestricted income for the year was £29,259, with unrestricted reserves ending at £24,346, indicating a stable financial position without deficit funds. Its FY2025 accounts were independently examined.
Charities like this
- NEWFIELD COMMUNITY CHURCH TRUST
- MOUNT HERMON COMMUNITY CHURCH
- FREEDOM CHURCH CHESTER
- ST MARY & ST GEORGE
- ST TEILO'S CHURCH
- ST GEORGE ERITREAN ORTHODOX CHURCH
Side by side with its peers
| Charity | Income | Top pay band | Staff >£60k | Reserves vs policy | Fundraising cost | Going concern |
|---|---|---|---|---|---|---|
| THE ST GERMOE FABRIC TRUST | £29k | — | 0 | unclear | — | no doubt |
| NEWFIELD COMMUNITY CHURCH TRUST | £71k | — | 0 | above | — | no doubt |
| MOUNT HERMON COMMUNITY CHURCH | £29k | — | — | unclear | — | no doubt |
| FREEDOM CHURCH CHESTER | £104k | — | 0 | unclear | — | no doubt |
| ST MARY & ST GEORGE | £106k | — | 0 | unclear | — | no doubt |
| ST TEILO'S CHURCH | £483k | — | 0 | below | — | no doubt |