Charity number: 1082522
BIBLE LIFE FAMILY MINISTRIES
UNAUDITED
TRUSTEES' REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

BIBLE LIFE FAMILY MINISTRIES
CONTENTS
Reference and Administrative Details of the Charity, its Trustees and Advisers
Trustees' Report
Independent Examiner's Report
Statement of Financial Activities
Balance Sheet
Notes to the Financial Statements
Page
1
2-3
4
5
6
7-12

BIBLE LIFE FAMILY MINISTRIES
REFERENCE AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTEES AND ADVISERS
FOR THE YEAR ENDED 31 MARCH 2025
Trustees
Charity registered
number
Principal office
Accountants
Rev Francis Seth Alasha Nunoo
Ato-Mensah Samuel Bruce
Rev Emmanuel Peprah
1082522
68 Windmill Road
Croydon
CRO 2XP
GIL Accountancy Services
177 Ballens Road
Chatham
Kent
ME5 8PG
Page 1

BIBLE LIFE FAMILY MINISTRIES
TRUSTEES' REPORT
FOR THE YEAR ENDED 31 MARCH 2025
The Trustees present their annual report together with the financial statements of the Bible Life Family Ministries
for the year 1 April 2024 to 31 March 2025.
Objectives and activities
a. Policies and objectives
To advance christian religion as the trustees shall deem fit in proclaiming the gospel of Jesus Christ.
In setting objectives and planning for activities, the Trustees have given due consideration to general guidance
published by the Charity Commission relating to public benefit, including the guidance 'Public benefit: running a
charity (PB2):
b. Main activities undertaken to further the Charity's purposes for the public benefit
Bible Life family currently oversees at least twelve (12) meetings per month in Croydon including Sunday
worship. We have also continued to serve the local community (Croydon), focusing mainly on community
outreach programs and also spreading the love of God through our contributions to overseas orphanages.
Achievements and performance
a. Main achievements of the Charity
During the year ended 31 March 2025, BIBLE LIFE FAMILY MINISTRIES continued to pursue its charitable
objectives through Worship and Faith Activities:
- Regular weekly worship services and prayer meetings
- Bible study, teaching, and discipleship programmes
- Special services and conferences open to the wider community
- Evangelism and outreach services
- Financial support to ophanages in India
Financial review
a. Going concern
After making appropriate enquiries, the Trustees have a reasonable expectation that the Charity has adequate
resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt
the going concern basis in preparing the financial statements. Further details regarding the adoption of the
going concern basis can be found in the accounting policies.
b. Reserves policy
The trustees have established a reserves policy to ensure financial stability and sustainability. The aim is to
maintain unrestricted reserves sufficient to cover approximately two months of operating costs. At the year eno
reserves were considered adequate for the charity's current needs
Structure, governance and management
Page 2

BIBLE LIFE FAMILY MINISTRIES
TRUSTEES' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
Structure, governance and management (continued)
a. Constitution
Bible Life Family Ministries is a registered charity, number 1082522, and is constituted under a Trust deed.
b. Methods of appointment or election of Trustees
The management of the Charity is the responsibility of the Trustees who are elected and co-opted under the
terms of the Trust deed.
Statement of Trustees' responsibilities
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 England & Wales requires the Trustees to prepare financial statements for
each financial year which give a true and fair view of the state of affairs of the Charity and of its incoming
resources and application of resources, including its income and expenditure, 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 of the Charities SORP (FRS 102);
make judgments and accounting estimates that are reasonable and prudent;
state whether applicable UK Accounting Standards (FRS 102) 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.
SAfeguari and art regelations 20 and to taking ne of tale set de. ere one one fr
fraud and other irregularities
Approved by order of the members of the board of Trustees and signed on their behalf by:
Rev Francis seth Nunoo
Rewrocs SchNwe8W02220360*214SM........
Rev Francis Seth Alasha Nunoo
Date: 22 January 2026
Page 3

BIBLE LIFE FAMILY MINISTRIES
INDEPENDENT EXAMINER'S REPORT
FOR THE YEAR ENDED 31 MARCH 2025
Independent Examiner's Report to the Trustees of Bible Life Family Ministries ('the Charity')
I report to the charity Trustees on my examination of the accounts of the Charity for the year ended 31 March
2025.
Responsibilities and Basis of Report
As the Trustees of the Charity you are responsible for the preparation of the accounts in accordance with the
requirements of the Charities Act 2011 ('the 2011 Act).
I report in respect of my examination of the Charity's accounts carried out under section 145 of the 2011 Act and
in carrying out my examination I have followed the applicable Directions given by the Charity Commission under
section 145(5)(b) of the 2011 Act.
Independent Examiner's Statement
Your attention is drawn to the fact that the Charity has prepared the accounts in accordance with 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) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice
issued on 1 April 2005 which is referred to in the extant regulations but has been withdrawn.
I understand that this has been done in order for the accounts to provide a true and fair view in accordance with
the Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January
I have completed my examination. I confirm that no matters have come to my attention in connection with the
examination giving me cause to believe that in any material respect:
1.
accounting records were not kept in respect of the Charity as required by section 130 of the 2011 Act; or
2.
the accounts do not accord with those records; or
3.
the accounts do not comply with the applicable requirements concerning the form and content of
accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requiremen
that the accounts give a 'true and fair' view which is not a matter considered as part of an independent
examination.
I have no concerns and have come across no other matters in connection with the examination to which
attention should be drawn in this report in order to enable a proper understanding of the accounts to be
reached.
Signed:
D Tabiri
gil
177 Ballens Road, Chatham. ME5 8PG
Dated: 23 January 2026
FCCA
Page 4

BIBLE LIFE FAMILY MINISTRIES
STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 MARCH 2025
Unrestricted
funds
2025
Total
funds
2025
Income from:
Donations and legacies
Total income
Expenditure on:
Charitable activities
Total expenditure
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Net movement in funds
Total funds carried forward
Note
3
4
45,935
45,935
46,163
46,163
(228)
283
(228)
55
The Statement of Financial Activities includes all gains and losses recognised in the year.
The notes on pages 7 to 12 form part of these financial statements.
45,935
45,935
46,163
46,163
(228)
283
(228)
55
Total
funds
2024
23,445
23,445
22,184
22,184
1,261
(978)
1,261
283
Page 5

BIBLE LIFE FAMILY MINISTRIES
BALANCE SHEET
AS AT 31 MARCH 2025
2025
2024
Note
Fixed assets
Current assets
Cash at bank and in hand
110
110
283
283
Current liabilities
Creditors: amounts falling due within one
year
Net current assets
Total assets less current liabilities
Net assets excluding pension asset
Total net assets
8
(55)
-
55
55
55
55
283
283
283
283
Charity funds
Restricted funds
Unrestricted funds
Total funds
-
55
55
-
283
283
The financial statements were approved and authorised for issue by the Trustees on 22 January 2026 and
signed on their behalf by:
„Rex. Francis Seth Nuroo.............
Rev Francis Seth Alasha Nunoo
The notes on pages 7 to 12 form part of these financial statements.
Page 6

BIBLE LIFE FAMILY MINISTRIES
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
General information
BIBLE LIFE FAMILY MINISTRIES is a charity, registered in England and Wales. The charity's registered
pume er and registered office address can be found on the Reference and Administration information
Accounting policies
2.1 Basis of preparation of financial statements
The financial statements 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), the Financial Reporting Standard
applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.
The financial statements have been prepared to give a 'true and fair' view and have departed from
the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a 'true
and fair' view. This departure has involved following the Charities SORP (FRS 102) published in
October 2019 rather than the Accounting and Reporting by Charities: Statement of Recommended
Practice effective from 1 April 2005 which has since been withdrawn.
Bible Life Family Ministries meets the definition of a public benefit entity under FRS 102. Assets and
liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the
relevant accounting policy.
2.2 Income
All income is recognised once the Charity has entitlement to the income, it is probable that the
income will be received and the amount of income receivable can be measured reliably.
2.3 Expenditure
Expenditure is recognised once there is a legal or constructive obligation to transfer economic
benetit to a third party, it is probable that a transter of economic benetits will be required in
settlement and the amount of the obligation can be measured reliably. Expenditure is classified by
activity. The costs of each activity are made up of the total of direct costs and shared costs, including
support costs involved in undertaking each activity. Direct costs attributable to a single activity are
allocated directly to that activity. Shared costs which contribute to more than one activity and support
costs which are not attributable to a single activity are apportioned between those activities on a
basis consistent with the use of resources. Central staff costs are allocated on the basis of time
spent, and depreciation charges allocated on the portion of the asset's use.
Expenditure on charitable activities is incurred on directly undertaking the activities which further the
Charity's objectives, as well as any associated support costs.
All expenditure is inclusive of irrecoverable VAT.
2.4 Cash at bank and in hand
Cash at bank and in hand includes cash and short-term highly liquid investments with a short
maturity of three months or less from the date of acquisition or opening of the deposit or similar
account.
Page 7

BIBLE LIFE FAMILY MINISTRIES
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Accounting policies (continued)
2.5 Liabilities and provisions
Liabilities are recognised when there is an obligation at the Balance Sheet date as a result of a past
event, it is probable that a transfer of economic benefit will be required in settlement, and the amount
of the settlement can be estimated reliably.
_abilities are recognised at the amount that the Charity anticipates it will pay to settle the debt or th
amount it has received as advanced payments for the goods or services it must provide
Provisions are measured at the best estimate of the amounts required to settle the obligation. Where
the effect of the time value of money is material, the provision is based on the present value of those
amounts, discounted at the pre-tax discount rate that reflects the risks specific to the liability. The
unwinding of the discount is recognised in the Statement of Financial Activities as a finance cost.
2.6 Financial instruments
The Charity only has financial assets and financial liabilities of a kind that qualify as basic financial
instruments. Basic financial instruments are initially recognised
at transaction value and
subsequently measured at their settlement value with the exception of bank loans which are
subsequently measured at amortised cost using the effective interest method.
2.7 Fund accounting
General funds are unrestricted funds which are available for use at the discretion of the Trustees in
furtherance of the general objectives of the Charity and which have not been designated for other
purposes.
Income from donations and legacies
Donations
Unrestricte
d funds
2025
45,935
Total
funds
2025
€
45,935
Donations
Unrestricted
funds
2024
23,445
Total
funds
2024
23,445
Page 8

4.
5.
BIBLE LIFE FAMILY MINISTRIES
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Analysis of expenditure on charitable activities
Summary by fund type
Direct costs
Direct costs - Activities (Activity 1)
Analysis of expenditure by activities
Direct costs
Activities
undertaken
directly
2025
45,569
Direct costs
Activities
undertaken
directly
2024
21,674
Analysis of direct costs
Unrestricte
d funds
2025
46,163
Unrestricted
funds
2024
22,184
Support
costs
2025
594
Support
costs
2024
510
Total
2025
46,163
Total
2024
22,184
Total
funds
2025
46,163
Total
funds
2024
22,184
Page 9

BIBLE LIFE FAMILY MINISTRIES
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Analysis of expenditure by activities (continued)
Analysis of direct costs (continued)
Light & Heat
Ministry expenses
Overseas Missions
Rates
Rent and other premises costs
Subscriptions
Total
funds
2025
11,120
4,881
600
7,614
21,189
165
45,569
Total
funds
2024
5,520
2,372
12,937
245
21,674
Analysis of support costs
Bank charges
Insurance
Total
funds
2025
168
426
594
Total
funds
2024
148
362
510
Independent examiner's remuneration
Fees payable to the Charity's independent examiner for the independent
examination of the Charity's annual accounts
2025
1
2024
1
Trustees' remuneration and expenses
During the year, no Trustees received any remuneration or other benefits (2024 - ENIL).
During the year ended 31 March 2025, no Trustee expenses have been incurred (2024 - ENIL).
Page 10

BIBLE LIFE FAMILY MINISTRIES
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Creditors: Amounts falling due within one year
Bank overdrafts
2025
55
9.
Financial instruments
Financial assets
Financial assets measured at fair value through income and expenditure
2025
110
10. Summary of funds
Summary of funds - current year
Balance at 1
April 2024
283
Income Expenditure
45,935
(46,163)
General funds
Summary of funds - prior year
11. Analysis of net assets between funds
Analysis of net assets between funds - current year
Current assets
Creditors due within one year
Total
Unrestricte
d funds
2025
110
(55)
55
2024
2024
£
283
Balance at
31 March
2025
55
Total
funds
2025
€
110
(55)
55
Page 11

BIBLE LIFE FAMILY MINISTRIES
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
11. Analysis of net assets between funds (continued)
Analysis of net assets between funds - prior year
Current assets
Total
Endowment Unrestricted
funds
funds
2024
2024
283
283
-
Total
funds
2024
283
283
Page 12