Trustees’ Annual Report for the period
From 01/01/2020 Period start date to 31/12/2020 Period end date
Charity name: Rivers of Life Church
Charity registration number: 1115184
Objectives and Activities
| SORP reference | ||
|---|---|---|
| Summary of the purposes of the charity as set out in its governing document |
Para 1.17 | The Trust seeks to demonstrate the Christian faith in action by being a church in the Oxford area. Jesus Christ taught us to “Love God with all our heart, mind, soul and strength and to love our neighbour as ourselves”. Our first focus is therefore on prayer and praise to God and secondly on loving one another and serving the local **community. ** |
| Summary of the main activities in relation to those purposes for the public benefit, in particular, the activities, projects or services identified in the accounts. |
Para 1.17 and 1.19 |
Holding regular Church meetings and also meals together to which we invite neighbours. Working with single parent families and the elderly in the area. The project to build the local community with regular breakfast gatherings in different areas of Oxford, which we reported on in 2018, is being maintained and we held regular breakfasts as well as other regular events to bring people together. We still give ongoing support to a children’s homes in South America. We have developed a working relationship with a church in Vellore, India, helping them with their Children’s home and relief of the poor. --Due to Covid-19, after April 2020 we have suspended any in person gatherings and moved them online in most cases, except when government guidelines have allowed us to either meet in groups of six outdoors, or with social distancing measures indoors. |
| Statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission on public benefit |
Para 1.18 |
Additional information (optional)
You may choose to include further statements where relevant about:
| SORP reference | ||
|---|---|---|
| Policy on grant making | Para 1.38 | We currently don’t do any grant making and therefore don’t need a policy in place |
| Policy on social investment including program related investment |
Para 1.38 | N/A |
| Contribution made by volunteers |
Para 1.38 | None |
| Other |
Achievements and Performance
| SORP reference | ||
|---|---|---|
| Summary of the main achievements of the charity, identifying the difference the charity’s work has made to the circumstances of its beneficiaries and any wider benefits to society as a whole. |
Para 1.20 | Apart from the regular church meetings, we wanted to contribute to the sense of community in the area and invited all our neighbours to a prayer breakfast. This started as a pilot scheme on Edgeway Road, Marston, which has about 100 houses. Around 20 people came to the first event in September 2007. This project, called “streetprayer” and expanded across the city of Oxford and elsewhere. More information can be found on the website www.streetprayer.org This has developed into a new project called “New Marston Hub” whereby we are encouraging neighbours to get together for meals and to find things they can share such as home grown produce, lifts, etc. The meetings have been attended by local councillors and neighbourhood police, who are very supportive. Other activities include working with young people, visiting retirement homes, family camp and working with single parent families. More recently (since late 2014) we have become involved in trying to help the integration of the East Timorese community in Oxford, the majority of whom have arrived in the last fiveyears. They are said to number |
about 3000. In 2015 we started regular free English lessons for them, and other immigrants have since joined these. UPDATE 2020: The English lessons continue to be carried out online due to the Covid-19 pandemic, they are particularly thriving, with people from many nationalities regularly attending, especially East Timorese, Chinese, Pakistani and various European. We’ve found there is a great need and believe that this activity is helping to give more social adhesion in the city. We are supported by the council who have assigned workers to help. There is a great need for more teachers to volunteer.
Additional information (optional) You may choose to include further statements where relevant about:
| Achievements against objectives set |
Para 1.41 | We don’t set specific objectives. |
|---|---|---|
| Performance of fundraising activities against objectives set |
Para 1.41 | We haven’t undertaken any fund raising |
| Investment performance against objectives |
Para 1.41 | We are continuing to invest £1000 per month into a building fund. |
| Other |
Financial Review
| Financial Review | ||
|---|---|---|
| Review of the charity’s financial position at the end of the period |
Para 1.21 | We are very solid financially and have increased our investment by over £12,000 during the year. |
| Statement explaining the policy for holding reserves statingwhy they areheld |
Para 1.22 | The reserves are held to build up a deposit for buying a building |
| Amount of reserves held | Para 1.22 | Over £96,000 as af 31.12.20 |
| Reasons for holding zero reserves |
Para 1.22 | N/A |
| Details of fund materially in deficit |
Para 1.24 | N/A |
| Explanation of any uncertainties about the charity continuing as a going concern |
Para 1.23 | N/A |
Additional information (optional) You may choose to include further statements where relevant about: Offerings given by members of the church The charity’s principal sources of funds (including Para 1.47 any fundraising) N/A Investment policy and objectives including any Para 1.46 social investment policy adopted None A description of the principal Para 1.46 risks facing the charity Other
Structure, Governance and Management
| Description of charity’s trusts: |
||
|---|---|---|
| Type of governing document (trust deed, royal charter) |
Para 1.25 | Governed by a trust deed dated 14th Feb 2006 |
| How is the charity constituted? (e.g unincorporated association, CIO) |
Para 1.25 | Church, unincorporated association |
| Trustee selection methods including details of any constitutional provisions e.g. election to post or name of any person or body entitled to appoint one or more trustees |
Para 1.25 | Selected by other trustees and confirmed by members at the AGM |
| Additional information (optional) You may choose to include further statements |
where relevant about: | |
| Policies and procedures adopted for the induction and training of trustees |
Para 1.51 | Training of the accounts team by Stewardship Services |
| The charity’s organisational structure and any wider network with which the charity works |
Para 1.51 | Independent church working together with other churches in Oxford and abroad. |
| Relationship with any related parties |
Para 1.51 | None |
| Other |
Reference and Administrative details
| Charity name | Rivers of Life |
|---|---|
| Other name the charity uses | |
| Registered charity number | 1115184 |
| Charity’s principal address | 123 Edgeway RoadOxfordOX3 0HF |
Names of the charity trustees who manage the charity
| 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 |
Trustee name | Office (if any) | Dates acted if not for whole year |
Name of person (or body) entitled to appoint trustee(if any) |
|---|---|---|---|---|
| Marcus Frind Roberts |
Chairman & Secretary |
|||
| David John McCulloch |
||||
| Stephen John Gibbs |
||||
| Stephen David Roberts |
Assistant secretary | |||
Corporate trustees – names of the directors at the date the report was approved
Director name
Name of trustees holding title to property belonging to the charity
Trustee name Dates acted if not for whole year
Funds held as custodian trustees on behalf of others
Description of the assets None held in this capacity Name and objects of the None charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for None safe custody and segregation of such assets from the charity’s own assets
Additional information (optional)
Names and addresses of advisers (Optional information)
| Names and addresses of advisers (Optional information) | Names and addresses of advisers (Optional information) | Names and addresses of advisers (Optional information) |
|---|---|---|
| Type of adviser Name Address |
||
| Name of chief executive or names of senior staff members (Optional information) | ||
Exemptions from disclosure
Reason for non-disclosure of key personnel details
Other optional information
Declarations
The trustees declare that they have approved the trustees’ report above.
Signed on behalf of the charity’s trustees
| Signature(s) Full name(s) Position (eg Secretary, Chair, etc) Date |
||
|---|---|---|
| Marcus Roberts | Stephen Roberts | |
Chairman |
Assistant secretary | |
| 17/05/2021 | ||
| 17/05/2021 |
RIVERS OF LIFE CHURCH
UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2020
Charity Number 1115184
1
RIVERS OF LIFE CHURCH
REPORTS AND ACCOUNTS
YEAR ENDED 31 DECEMBER 2020
| CONTENTS | PAGE |
|---|---|
| Legal and administrative details | 3 |
| Independent Examiner’s report to the trustees | 4 |
| Receipts and Payments Account | 5 |
| Statement of Assets and Liabilities | 6 |
| Notes to the Accounts | 7-8 |
2
RIVERS OF LIFE CHURCH
FOR THE YEAR ENDED 31 DECEMBER 2020
LEGAL & ADMINISTRATIVE DETAILS
ADDRESS FOR CORRESPONDENCE 123 Edgeway Road Marston Oxford OX3 0HF GOVERNING DOCUMENT Declaration of Trust dated 14 February 2006 CHARITY REGISTRATION NUMBER 1115184
TRUSTEES RESPONSIBLE FOR MANAGING Marcus Frind Roberts THE CHARITY David John McCulloch Stephen John Gibbs Stephen David Roberts
BANKERS
The Co-operative Bank Kingdom Bank Limited
INDEPENDENT EXAMINER Sheila Parry FCCA SPX Oxford Ltd Peace House Paradise Street Oxford OX1 1ND
3
RIVERS OF LIFE CHURCH
INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF
RIVERS OF LIFE CHURCH
YEAR ENDED 31 DECEMBER 2020
I report on the accounts of the charity for the year ended 31 December 2020 which are set out on pages 5 to 8.
RESPECTIVE RESPONSIBILITIES OF TRUSTEES AND EXAMINER
The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider than an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.
It is my responsibility to:
-
examine the accounts under section 145 of the 2011 Act:
-
to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act; and
-
to state whether particular matters have come to my attention.
BASIS OF INDEPENDENT EXAMINER’S REPORT
My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statement below.
INDEPENDENT EXAMINER’S STATEMENT
In connection with my examination, no matter has come to my attention:
(1) which gives me reasonable cause to believe that in any material respect the requirements:
-
to keep accounting records in accordance with section 130 of the 2011 Act; and
-
to prepare accounts which accord with the accounting records and comply with the accounting requirements of the 2011 Act
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.
Sheila Parry FCCA 15 October 2021 Date …………………………………………
4
RIVERS OF LIFE CHURCH
RECEIPTS AND PAYMENTS ACCOUNTS YEAR ENDED 31 DECEMBER 2020
| Notes Income receipts Donations, legacies and grants Income from charitable activities Interest received Payments Payments in relation to charitable activities undertaken directly 2 Grants paid in relation to charitable activities undertaken by others 3 Net receipts / payments before transfers Transfers between funds 5 Net movement in funds Cash funds as at last year end Cash funds as at this year end |
General Funds £ 37,521 - 90 37,610 10,648 10,287 20,935 16,675 - 12,000 4,675 42,600 47,275 |
Designated Funds £ - - 333 333 - - - 333 12,000 12,333 74,208 86,541 |
Restricted Funds £ 6,106 - - 6,106 2,371 4,240 6,611 - 506 - - 506 10,491 9,985 |
Total 2020 £ 43,626 - 422 44,049 13,020 14,527 27,547 16,502 - 16,502 127,299 143,801 |
Total 2019 £ 42,585 890 531 |
|---|---|---|---|---|---|
| 44,006 | |||||
| 23,788 12,084 |
|||||
| 35,872 | |||||
| 8,134 - |
|||||
| 8,134 119,165 |
|||||
| 127,299 |
The notes on pp5-6 form part of these accounts.
5
RIVERS OF LIFE CHURCH
STATEMENT OF ASSETS AND LIABILITIES 31 DECEMBER 2020
| A Cash Funds Held at Bank Kingdom Bank 12 month savings bond B Other monetary assets Gift Aid due to charity C Liabilities Accounts preparation and independent examination 2020 Accounts preparation and independent examination 2019 D Assets retained for charity's own use Equipment |
General Funds £ 36,659 10,616 47,275 33,349 33,349 720 720 1,440 |
Designated Funds £ 86,541 - 86,541 - - - - - |
Restricted Funds £ 9,985 - 9,985 - - - - - |
Total 2020 £ 133,185 10,616 143,801 33,349 33,349 720 720 1,440 |
Total 2019 £ 116,772 10,526 |
|---|---|---|---|---|---|
| 127,298 | |||||
| 23,156 | |||||
| 23,156 | |||||
| 720 - |
|||||
| 720 | |||||
| Current value £ 5,000 |
|||||
| 5,000 |
These accounts were approved by the trustees and are signed on their behalf by:
Trustee: Stephen David Roberts Date: ……24/09/2021….
6
RIVERS OF LIFE CHURCH
NOTES TO THE ACCOUNTS YEAR ENDED 31 DECEMBER 2020
1. ACCOUNTING POLICIES
Basis of accounting
The financial statements have been prepared on a receipts and payments basis and comprise a statement that shows the charity’s receipts and payments, a statement that summarises the charity’s assets and liabilities and related notes. The accountancy profession have determined that only accounts prepared in accordance with applicable accounting standards present a ‘true and fair’ view and, as these receipts and payments account have not (and cannot) be prepared in accordance with accounting standards, these accounts do not present (an are not intended to present) a ‘true and fair’ vie of the charity’s financial activities and state of affairs.
Cash accounting records
The cash previously held by the charity was banked early in this financial year and now all receipts and payments are processed through the bank accounts.
2. PAYMENTS IN RELATION TO CHARITABLE ACTIVITIES UNDERTAKEN DIRECTLY
| Rent for hire of halls Streetprayer ministry Gulshat Travel & Conferences Church office Minor equipment Insurance Sunday school, Children's Camp Copyright Licenses and professional fees Church meals Other costs |
General Funds £ 2,330 - - 155 4,452 952 235 157 2,350 16 - 10,648 |
Designated Funds £ - - - - - - - - - - - - |
Restricted Funds £ - 444 1,927 - - - - - - - - 2,371 |
Total 2020 £ 2,330 444 1,927 155 4,452 952 235 157 2,350 16 - 13,020 |
Total 2019 £ 9,460 500 2,391 1,958 3,945 729 - 283 4,022 460 39 |
|---|---|---|---|---|---|
| 23,787 |
7
RIVERS OF LIFE CHURCH
NOTES TO THE FINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2020
3. GRANTS PAID IN RELATION TO CHARITABLE ACTIVITIES UNDERTAKEN BY OTHERS
| Grants for: Organisations: Evangelical Church in Reus, Spain Children's home, Garupa Argentina India Economic help to church in Argentina Other evangelical churches in Spain Organisations < £1,000 Individuals |
General Funds £ 917 - - 2,033 3,974 3,363 - 10,287 |
Designated Funds £ - - - - - - - - |
Restricted Funds £ - 1,920 2,320 - - - - 4,240 |
Total 2020 £ 917 1,920 2,320 2,033 3,974 3,363 - 14,527 |
Total 2019 £ 6,445 3,654 - - - 1,985 - |
|---|---|---|---|---|---|
| 12,084 |
4. TRANSACTIONS WITH RELATED PARTIES
The charity had no employees in 2020 (2019: nil).
Mr Roberts, a trustee, had costs of £nil (2019: £786).
5. MOVEMENT ON FUNDS
| Designated funds Property fund Restricted funds Gulshat Fund Street Prayer Children's Home Fund Other Unrestricted General Funds |
Balance at 1 Jan 2020 £ 74,208 74,208 9,529 772 190 - 10,491 42,601 |
Receipts £ 333 333 - 1,400 1,990 2,716 6,106 37,610 |
Payments £ - - - 1,927 - 444 - 1,920 - 2,320 - 6,611 - 20,935 |
Transfers £ 12,000 12,000 - - - - - - 12,000 |
Balance at 31 Dec 2020 £ 86,541 |
|---|---|---|---|---|---|
| 86,541 | |||||
| 7,602 1,728 2,180 396 |
|||||
| 9,986 | |||||
| 47,276 |
8
RIVERS OF LIFE CHURCH
UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2020
Charity Number 1115184
1
RIVERS OF LIFE CHURCH
REPORTS AND ACCOUNTS
YEAR ENDED 31 DECEMBER 2020
| CONTENTS | PAGE |
|---|---|
| Legal and administrative details | 3 |
| Independent Examiner’s report to the trustees | 4 |
| Receipts and Payments Account | 5 |
| Statement of Assets and Liabilities | 6 |
| Notes to the Accounts | 7-8 |
2
RIVERS OF LIFE CHURCH
FOR THE YEAR ENDED 31 DECEMBER 2020
LEGAL & ADMINISTRATIVE DETAILS
ADDRESS FOR CORRESPONDENCE 123 Edgeway Road Marston Oxford OX3 0HF GOVERNING DOCUMENT Declaration of Trust dated 14 February 2006 CHARITY REGISTRATION NUMBER 1115184
TRUSTEES RESPONSIBLE FOR MANAGING Marcus Frind Roberts THE CHARITY David John McCulloch Stephen John Gibbs Stephen David Roberts
BANKERS
The Co-operative Bank Kingdom Bank Limited
INDEPENDENT EXAMINER Sheila Parry FCCA SPX Oxford Ltd Peace House Paradise Street Oxford OX1 1ND
3
RIVERS OF LIFE CHURCH
INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF
RIVERS OF LIFE CHURCH
YEAR ENDED 31 DECEMBER 2020
I report on the accounts of the charity for the year ended 31 December 2020 which are set out on pages 5 to 8.
RESPECTIVE RESPONSIBILITIES OF TRUSTEES AND EXAMINER
The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider than an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.
It is my responsibility to:
-
examine the accounts under section 145 of the 2011 Act:
-
to follow the procedures laid down in the general Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act; and
-
to state whether particular matters have come to my attention.
BASIS OF INDEPENDENT EXAMINER’S REPORT
My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statement below.
INDEPENDENT EXAMINER’S STATEMENT
In connection with my examination, no matter has come to my attention:
(1) which gives me reasonable cause to believe that in any material respect the requirements:
-
to keep accounting records in accordance with section 130 of the 2011 Act; and
-
to prepare accounts which accord with the accounting records and comply with the accounting requirements of the 2011 Act
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.
Sheila Parry FCCA 15 October 2021 Date …………………………………………
4
RIVERS OF LIFE CHURCH
RECEIPTS AND PAYMENTS ACCOUNTS YEAR ENDED 31 DECEMBER 2020
| Notes Income receipts Donations, legacies and grants Income from charitable activities Interest received Payments Payments in relation to charitable activities undertaken directly 2 Grants paid in relation to charitable activities undertaken by others 3 Net receipts / payments before transfers Transfers between funds 5 Net movement in funds Cash funds as at last year end Cash funds as at this year end |
General Funds £ 37,521 - 90 37,610 10,648 10,287 20,935 16,675 - 12,000 4,675 42,600 47,275 |
Designated Funds £ - - 333 333 - - - 333 12,000 12,333 74,208 86,541 |
Restricted Funds £ 6,106 - - 6,106 2,371 4,240 6,611 - 506 - - 506 10,491 9,985 |
Total 2020 £ 43,626 - 422 44,049 13,020 14,527 27,547 16,502 - 16,502 127,299 143,801 |
Total 2019 £ 42,585 890 531 |
|---|---|---|---|---|---|
| 44,006 | |||||
| 23,788 12,084 |
|||||
| 35,872 | |||||
| 8,134 - |
|||||
| 8,134 119,165 |
|||||
| 127,299 |
The notes on pp5-6 form part of these accounts.
5
RIVERS OF LIFE CHURCH
STATEMENT OF ASSETS AND LIABILITIES 31 DECEMBER 2020
| A Cash Funds Held at Bank Kingdom Bank 12 month savings bond B Other monetary assets Gift Aid due to charity C Liabilities Accounts preparation and independent examination 2020 Accounts preparation and independent examination 2019 D Assets retained for charity's own use Equipment |
General Funds £ 36,659 10,616 47,275 33,349 33,349 720 720 1,440 |
Designated Funds £ 86,541 - 86,541 - - - - - |
Restricted Funds £ 9,985 - 9,985 - - - - - |
Total 2020 £ 133,185 10,616 143,801 33,349 33,349 720 720 1,440 |
Total 2019 £ 116,772 10,526 |
|---|---|---|---|---|---|
| 127,298 | |||||
| 23,156 | |||||
| 23,156 | |||||
| 720 - |
|||||
| 720 | |||||
| Current value £ 5,000 |
|||||
| 5,000 |
These accounts were approved by the trustees and are signed on their behalf by:
Trustee: Stephen David Roberts Date: ……24/09/2021….
6
RIVERS OF LIFE CHURCH
NOTES TO THE ACCOUNTS YEAR ENDED 31 DECEMBER 2020
1. ACCOUNTING POLICIES
Basis of accounting
The financial statements have been prepared on a receipts and payments basis and comprise a statement that shows the charity’s receipts and payments, a statement that summarises the charity’s assets and liabilities and related notes. The accountancy profession have determined that only accounts prepared in accordance with applicable accounting standards present a ‘true and fair’ view and, as these receipts and payments account have not (and cannot) be prepared in accordance with accounting standards, these accounts do not present (an are not intended to present) a ‘true and fair’ vie of the charity’s financial activities and state of affairs.
Cash accounting records
The cash previously held by the charity was banked early in this financial year and now all receipts and payments are processed through the bank accounts.
2. PAYMENTS IN RELATION TO CHARITABLE ACTIVITIES UNDERTAKEN DIRECTLY
| Rent for hire of halls Streetprayer ministry Gulshat Travel & Conferences Church office Minor equipment Insurance Sunday school, Children's Camp Copyright Licenses and professional fees Church meals Other costs |
General Funds £ 2,330 - - 155 4,452 952 235 157 2,350 16 - 10,648 |
Designated Funds £ - - - - - - - - - - - - |
Restricted Funds £ - 444 1,927 - - - - - - - - 2,371 |
Total 2020 £ 2,330 444 1,927 155 4,452 952 235 157 2,350 16 - 13,020 |
Total 2019 £ 9,460 500 2,391 1,958 3,945 729 - 283 4,022 460 39 |
|---|---|---|---|---|---|
| 23,787 |
7
RIVERS OF LIFE CHURCH
NOTES TO THE FINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2020
3. GRANTS PAID IN RELATION TO CHARITABLE ACTIVITIES UNDERTAKEN BY OTHERS
| Grants for: Organisations: Evangelical Church in Reus, Spain Children's home, Garupa Argentina India Economic help to church in Argentina Other evangelical churches in Spain Organisations < £1,000 Individuals |
General Funds £ 917 - - 2,033 3,974 3,363 - 10,287 |
Designated Funds £ - - - - - - - - |
Restricted Funds £ - 1,920 2,320 - - - - 4,240 |
Total 2020 £ 917 1,920 2,320 2,033 3,974 3,363 - 14,527 |
Total 2019 £ 6,445 3,654 - - - 1,985 - |
|---|---|---|---|---|---|
| 12,084 |
4. TRANSACTIONS WITH RELATED PARTIES
The charity had no employees in 2020 (2019: nil).
Mr Roberts, a trustee, had costs of £nil (2019: £786).
5. MOVEMENT ON FUNDS
| Designated funds Property fund Restricted funds Gulshat Fund Street Prayer Children's Home Fund Other Unrestricted General Funds |
Balance at 1 Jan 2020 £ 74,208 74,208 9,529 772 190 - 10,491 42,601 |
Receipts £ 333 333 - 1,400 1,990 2,716 6,106 37,610 |
Payments £ - - - 1,927 - 444 - 1,920 - 2,320 - 6,611 - 20,935 |
Transfers £ 12,000 12,000 - - - - - - 12,000 |
Balance at 31 Dec 2020 £ 86,541 |
|---|---|---|---|---|---|
| 86,541 | |||||
| 7,602 1,728 2,180 396 |
|||||
| 9,986 | |||||
| 47,276 |
8