UNITEDLIFE
(A company limited by guarantee and not having a share capital)
Charity number: 1105428
Company number: 5195183
Accounts- 3 1st March 2025
INDEX
Report of the Trustees and General Inforniation
Independent Examiner's Report to the Trustees
Statement of Financial Activities
Balance Sheet
7-11.
Notes to the Accounts
'AEHR64UQ*
191iv2025
COIopANIES HOUSE
#47

Registered in England and Wales No: 5195183
UNITEDLIFE
REPORT OF THE TRUSTEES
for the year ended 31st March 2025
The Trustees are pleascd to prescnt their annual report and financial statements of the charitable company
for the year ended 31 st March 2025 which are also prepared to meet the requirements for a directors, report
and accounts for Companies Act purposes.
The financial statements comply with the Charities Act 201 I, the Companies Act 2006, the Memorandum
and Articles of Association, and 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 the Republic of Ireland (FRS 102) (issued October 2019).
Reference and AdmiDlstratlon Detalls
The charity's name is UnitedLife.
Charity Registration Number: 1105428
Company Number:
5195183
R¢gist¢r¢d Ofyice:
Ic Manor Place
Sutton
SMI 4BB
Trujtees and Direetors
The Trustees of the charity are its Directors for the purposes of company law. The Trustees and officers
who served during the year and since the year end were as follows:
T J Croxson
B J Melian
S Bartlett
Structure, Governance And Management
Governing Document
UnitedLife is a company limited by guarantee governed by its Memorandum and Articles of Association
dated 2nd August 2004. It is registered as a charity with the Charity Commission. Members of the charitsble
ompany guarantee to contribute amounts not exceeding £1 O to the assets of the charitable company in the
event of winding up.
OrgADisatlODal structure
The Trustees and Directors work closely wtih the senior leadership team respecting the leadership structure
of the church. New trustees are appointed by the Trustees from those who regularly attend the Church.
Policy for training Trustee$
Potential trustees meet the other trustees before they are appointed so that they can understand their
responsibilities within the boyd and how the charity operates.
New trustees are given copie5 of the
Memorandum and Articles of Association together with guidance on charitie) and public benefit produced
by the Charity co.mmission. This ensures that new trustees are aware of the scope of their responsibilities.
Relationship with related parties.
UnitedLife has good relationships with other local churches in the area as well as internationally with the
C3 group of churches. The C3 group are a subscription-based. umbrella organisation which 5UPPOrts
churehes within its network. We engage with other churches through attending events, particularly in the
UK and Europe.

UNITEDLIFE
REPORT OF THE TRU.STEES
for the year ended 31st March 2025 (Continued)
Remuneration policy
The remun¢ration of management personnel is reviewed annually by trustees. Consideration is given to
equivalent salaries of similar positions within th¢ marketplace. using published salary inforniation.
Objectives and Activities
Th¢ main objects of the charity ar¢:
a) The advancement of the Christian faith in the UK or overseas.
b) The relief of persons in conditions of hardship and distress or who are aged or sick.
In planning the activities of the charitable company. Ihe directors have considered the Charity
Commission's guidance on public benefit and the specific guidance on charities for the advancement of
religion.
The principal activity of the charitable company is that of a church, known as C3 UnitedLife. We function
as a part of the global C3 family with a core vision of being Christ centred, Spirit powered, connect driven.
Achievements and Performance
C3 UnitedLife is a dynamic contemporary Christian church providing an environment for local people to
discover and grow in faith in God.
Our main events are a weekly morning event at Bourne Hall for all ages using contemporary music with
relevant activities for children and young adults as well as adults, a weekly ev¢ning ev¢nt in Sutton High
Street, and various small group meetings in homes during the week.
We have seen engagement and attendance grow through in-person gatherings, continuing with an online
presence.
Small group settings to suit across a broad range of ag¢s, hav¢ continued both in-person and online,
ensuring a continuation of community.
We have continued to support the work of Creating Hope, a local charity, as a means to serve our local
communities. Creating Hope. continue to provide practical and emotional help for those who are in deb(
out of employment. those with complex needs, as w¢ll as helping others with their wellbeing. The church's
financial support hasn't changed materially. and we continue to be g¢n¢rous in supporting those most in
need even during the hardest times.
Historically. we have maintained a presence on Sutton High Street. through our subsidiary Unit¢dLif¢
Trading. trading as Tazza Coffee. The directors of Tazza Coffee, in conjunction with the leadership and
trustees of C3 UnitedLife, took the difficult decision to close the coffee shop during the reported financial
year as it was no longer best placed to deliver our mission and aiTns in Sutton. The church invested in and
supported Tazza Coffee over the years. and the TTUStees Tecognise the financial implications of writing
down the loans extended.
The Trustees do believe that the investment in Tazza Coffee has not been wasted however. Not only as
having a coffee shop increase.d the valu¢ of our asset, the building, recognised through the revaluation this
year, but it has also acted as a signpost to our services for many people, as well as providing the platforni
for many conversations about faith and life, all over a Coffee. The shop itself has proved invaluable as a
space to host groups, both within the life of the church and outside.
The building continues to be used for many of our services, whilst the leadership team and trustees
d¢terniine the most suitable use for the building for the charity.

UNITEDLIFE
REPORT OF THE TRUSTEES
for the year ended 31st March 2025 (Continued)
Achievements and Performance (eont.)
We have Continued to support and make grants and facilitate community projects internationally. Over this
year, we have supported Christian projects involved in education. feeding and orphanage projects in
developing countries such as Burundi and Zimbabwe as well as a church in Poland.
Much of our administration ond mort of our activities are supported by volunteers. This has enabled the
trust to fulfil its objectives and devote most of its resources to the provision of sustainable and worthwhile
projects and services.
We thank God for His continuing provision and grace for the vision he has given to UnitedLife. We are
also very grateful to the members of our Church for their continued generosity, giving financially and of
their time as they serve God faithfully through UnitedLife.
The trustees consistently monitored income and expenditure and although expenses rose slightly in the year,
income rose also, and a small surplus was achieved for the year. Pleasing, through ￿ndraisIng, the
mortgage on our building was fully paid off several years early. releasing extra expenditure to be spent on
supporting our local communities.
Financial Review
The total income for the year was £297,142 and total expenditure on charitable activilies amounted to
£261,940.
Reserves Policy
The intention of the trustees is to ensure general reserves are maintained at around £ 100,000 as this enables
the charitable company to remain financially stable and resilient and ensure its continued successful
operation, regardless of income.
Investment
The charity has no long-terni investments. Our cash reserves are held in money market and deposit
accounts.
Risk Management
Th¢ trustees have a duty to identify and review the risks to which the charity is ¢xpos¢d and to ensure
appropriat¢ Controls are in plac¢ to provide reasonable assurance against fraud and error. Potential risks are
regularly reviewed by Senior leadership and any significant concerns raised at Trustees m¢etings.
The Health and Safety policy is annually reviewed, along with the policy for.the Safety of vulnerable
people. The charity has a safegijarding manager responsible for ensuring that safeguarding ch¢cks are made
on all team members involved with children or vulnerable adults.
This report has been prepared in accordance with the special provisions relating to companies subject to the
Small Compar.i¢s Regime within part 15 of the Companies Act 2006.
This Report was approved by th¢ Board on .
2025
roxson - Trustee
Sutton

UNITEDLIFE
INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES
I report to the trustees on my examination of the accounts of UnitedLife for the year ended 31 st March
2025.
Responsibilities and Basis of Report
As ihe charity's trustees (and also its directors for the purposes of company law) you are responsible for the
preparation of the accounts in accordance with the requirements of the Companies Act 2006 ("the 2006
Act").
Having satisfied myself that the accounts of the charitable company are not required to be audited under
Part 16 of the 2006 Act and are eligible for independent examination. I report iri respect of my examination
of your charity's accounts as carried out under section 145 of the Charities Act 2011 ('the 2011 Act,). In
Carrying out my examination I have followed the Directions given by the Charity Commission under Section
145(5} (b) of the 2011 Act.
Independent Exvdminer's Statement
Since the charitable company's gross income exceeded £250,000 your examiner must be a member of a
body listed in Section 145 of the 2011 Act. I confim) that l am qualified to undertake the examination
because l am a member of th¢ Association of Chartered Accountants which is one of the listed bodies.
I have completed my examination. I confinn that no matters have come to my attention in connection with
the examination giving me cause to believe:
accounting records were not kept in respect of the ¢haritsbl¢ company as required by section 386 of
th¢ 2006 Act. or
2. th¢ accounts do not accord with those records. or
the accounts do not comply with the accounting requirements of section 396 of the 2006 Act other
than any requirement that the accounts give a true and fair view which is not a matter considered as
part of an independent examination; or
4. the accounts have not been prepared in accordan¢¢ with m¢thods and principles of the Statement of
Recommended Practice for accounting and reporting by charities [applicable to charities preparing
their accounts in accordance with the Financial Reporting Standard applicable in the UK and
Republic of Ireland (FRS 102)].
I have no concerns and have come across no other matters in connection with the examination to which
attention should be drawn in this r¢port in order to enable a proper understanding of the accounts to be
reached.
l￿Ji
A P Williams FCCA CTA
A J Carter & Co Limited
Ckiartered Certified Accountants
22b High Street
Witney
Oxon
OX28 6RB

UNITEDLIFE
STATEMENT OF FINANCIAL ACTIVITIES
(including an income and expendilure account)
for the year ended 3191 March 2025
Note Unrutri¢ted Restricted
Funds
Funds
Total
Funds
2025
Total
Funds
2024
Income from:
Donations and legacies
Investments
Totvdl incoming resources
295,757
1.385
297 142
295,757
309,732
297 142
311 139
Expenditure on:
Charitable activities
261,940
261.940
245.527
Total expendlture
261940
261940
245 527
Net incomel(expenditure) and net
movement in funds for the year
35,202
35,202
65.612
Transfer between funds
Other recognlsed galns Y4nd losses
Gainsl(losses) on revaluation of fixed assets
Write off loan to trading subsidiary
243,668
(445,757)
243,668
{445.757)
Net movement in funds
(166,887)
{166,887)
65.612
Reconciliation of funds
Total funds brought forward
Tolal funds carried forward
1019 023
1019 023
£852 136
953 411
£1019 023
£852 136
The statement of financial activities includes all gains and losses recognised in the year.
All inoome and expenditure derives from continuing aotivitieo.
The notes on pages 7 to 12 forni part of these financial stat¢ments

Registered in England and Wales: 5195183
UNITEDLIFE
BALANCE SHEET
as at 3151 March 2025
Note
2025
2024
Fixed assets
Tangible assets
731,422
488,742
Total fixed assets
731422
488 742
Current assets
Debtors
Cash at bank and in hand
Total current asset8
12
8,053
118804
126.857
412,240
124 398
536,638
Liabilities
Creditors falling due within one year
Net current assets
Total assets less current liabilities
13
120 714
852,136
530 281
1,019,023
Total net asset8
14
£852 136
£1019023
The funds of the Charity
Restricted income funds
Unrestricted income funds
Revaluation reserve
Total unrestricted funds
Total charity funds
15
852,136
1,019,023
852 136
1019023
£852 136
£1019 023
For the year ended 31 st March 2025 the company was entitled to exemption from audit under section 477 of
the Companies Act 2006 relating to small companies.
Directors Responsibilities
The m¢mb¢rs hav¢ not r¢quir¢d th¢ company to obtain an audit of its accounts for the year in question in
accordan=e wilh section 476. and
The direct)rs acknowledge their responsibilities for complying with the r¢quirem¢nts of the act with respect
to the accounting records and th¢ preparation gf accounts.
These accountR have been prepared in accordance with the speci31 provisions relating to compan'es subject
to the Small Companies Regiine withAn part I S of the Companies Act 2006.
These accounts were approved by the board of directors and authorised for issue on:
and are signed on their behalf by:
T Croxgon -.Director
The notes on pages 7 to 12 fomi part of these financial statemtnts

UNITEDLIFE
NOTES TO THE ACCOUNTS
for the year ended 31st March 2025
Accounting Policies
The principal accounting policies adopted* judgments and key sources of estimation uncertainty in
the preparation of the financial statements are as follows:
a) Basis of Preparation
The Financial Statements have been prepared in accordance with the 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)) (issued in October 2019} - (Charities SORP (FRS 102)), the Financial Reporting
Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act
2006.
Assets and liabilities are initially recognised at historical cost or transaction value unless
otherwise stated in the relevant a￿oUntIng policy notes,
b) Public Benefit Enlity
UnitedLife meets the definition of a public benefit entity under FRS 102.
c) Going Concern
The Trustees consider that there are no material uncertainties about the Chartty's ability to
continue as a going concern.
d) Income Recognition Policies
Items of income are recognised and included in the accounts when all of the following
crileria are met:
The Lharlty has entitlement to the funds;
any perforniance conditions attached to the items of income have been niet or are
fully Nvithin the cont.rol of the charity;
there is sufficient certainty that receipt of the income is considered probabl¢; and
the amouiit can be measured reliably.
Income received in advance of a specific perfonnance or provision of other specified
service is deferred until the criteria for income recognition are met.
e) Interest Reeelvable
Interest on funds held on deposit is included when receivable and the amount can be
measured reliably by the Charity- this is nornially upon notification of the interest paid or
payable by the bank.
Expenditure and Irrecoverable VAT
Expenditure is recognised once there is a legal or constructive obligation to make a
payment to 4 third party, it is probable that s¢ttl¢ment will be required and the amount of
the obligation can be measured reliably.
Irrecoverable VAT is charged as a cost against the activity for wTriich the expenditure was
incurred.

UNITEDLIFE
NOTES TO THE ACCOUNTS
for the year ended 31st March 2025
g) Tgngible Fixed Assets
Individual fixed assets costing £1,000 or more are capitslised at cost and are depreciated
over their estimated useful economic lives on the straight line basis as follows:
Asset
CAtegory
Freehold Property
Equipment
Annual
Rate
Nil
250/0 per annum
h) Debtors
Trade and oth¢r debtors ar¢ recognised at the settlement amounts due after any trade
discount offered. Prepayments are valued at the amount prepaid after taking account of any
trade discounts du¢.
Cash at Bank and in Hand
Cash at bank and cash in hand includes cash and short-term highly liquid investments with
a short maturity of three monihs or less from the date of acquisition or opening of the
deposit or similar account.
i)
Credltor$ and Provlsion$
Creditors and provisions are recognised where the Charity has a present obligation resulting
from a past event that will probably result in the transfer ot funds to a third party and the
amount due to settle the obligation can be measured or estimated reliably, Creditors and
provisions are normally recognised at their settlement amount after allowing for any trade
discounts due.
Legal Status of the Charity
The charity is a company limited by guarantee and has no share capital. The liability of each
member in the event of winding up is limited to £10.
Income from donations
2025
2024
Gifts and donations
295 757
£295 757
309 732
£309 732
Investment income
2025
2024
Interest

UNITEDLIFE
NOTES TO THE ACCOUNTS
for the year ended 31st March 2025 (continued)
Analysis of expenditure on charitable activitie8
2025
Totsl
2024
Total
Ministry Gifts:
UK Ministries
Overseas Ministries
74.732
56,449
92.767
73,310
Salaries and operating expenses
Church events, conferences and seminars
Church administration
Mortgage interest and charg¢s
92.224
583
74,422
91.011
7,149
65,631
6,458
Accountancy
1,944
1,968
Total
£261.940
£245 527
6. Net IDcome/(expenditure) for the year
2025
2024
This is slated after charging..
Depreciation
Accountancy services
1,462
1,345
7. Analysis of stalTcosts And Irustee remuneralion and expenses
2025
2024
Salaries and wages
Social security costs
Pension costs
63,030
58,948
£64.959
£60 588
No employees had emoluments in excess of £60,000 (2024: Nil).
The total employment benefits of the key management personnel in the year was £37.510 (2024
£4.100). One of the key management p¢rsonr.¢l is the wife of one of the Trustees.
8. Staff Dumbers
The average monthly number of employees during the year was as follows:
2025
Number
2024
Number

UNITEDLIFE
10.
NOTES TO THE ACCOUNTS
for the year ended 31sl March 2025 (continued)
9. Related party transactions
During the year under review trustees. close relatives and key management personnel made
unrestricted donations totalling £87,520 (2024: £35,225).
A donation of £nil (£2024: £60,000) was also receiv¢d from the Milk and Honey Trust, of which T J
Croxson, is also a trustee.
A donation of £4,000 was received from William Croxson and Son Ltd, of which the trustee, T J
Croxon. is a director,
10. Corporation tax
The charity is exempt from tax on income and gains falling within section 505 of the Taxes Act 1988
or section 252 of the Taxation of Chargeable Gains Act 1992 to the extent that these are applied to its
charitable objects.
I l. Tangible fixed assels
Freeliold
Property Equipment
Total
Cost:
As at l April 2024
Revaluation
Additions
Disposals
As at 31 March 2025
486,332
243,668
58,486
544.818
243,668
474
474
730 000
788 960
Depreciation:
As at l April 2024
Charge for y¢ar
On disposals
As at 31 March 2025
56.076
1,462
56.076
1,462
Net book value..
As at 31 March 2025
£730 000
£731422
As at 31 March 2024
£486,332
£2,410
£488 742
The charity's freehold property at 188 High Street, Sutton was revalued by an independent RlCS-
qualified valuer on 6th November 2024. The valuation was carried out on an existing use basis and
the property was vallied at £730.000.
The charity's accounting policy is to revalue the freehold property every five years, with interim
revi.ews ic. Ihere are indications of material changes in value.
The Property will be depreciated at 20/0 Straight line from April 2025.

UNITEDLIFE
NOTES TO THE ACCOUNTS
for the year ended 31st March 2025 (continued)
12. Debtors
2025
2024
Gift aid
Prepayments and accrued income
Loan to subsidiary company
Other debtors
7,351
702
8,430
669
342,186
£412 240
In March 2025 the coffee shop run by UnitedLife Trading Limited, a trading subsidiary of UnitedLife.
closed. The loan owed from the trading subsidiary has therefore been written off as it will not be
recovered.
13. Creditors: amounts falling due withiD one year
2025
2024
Accruals
14. Analysis of net assets behveen funds
General
Fund
Designated Restricted
Funds
Funds
Total
Tangible fixed assets
Cash at bank and in hand
Other net current assetsl(liabilities)
Creditors of more than one year
Total
731.422
118,804
1,910
731,422
118,804
1,910
£852 136
£852 136
15. Analysis of charitable funds
Analysis of movements ID unre8tricted funds
Balance
1.4.2024
Incoming Resources
Other
resources
expended gainsllosses
Funds
31.3.2025
General fund
Designated - Sutton Church
1.019.023
297,142
(261.940) (202,089)
852.136
Total
£1,019,023 £297,142
261,940
202,089
£852,136