Calvary Chinese Christian Church Annual Report For The Year Ended 31st December 2024
Administrative information
Calvary Chinese Christian Church (Calvaryccc) is situated in Newport Pagnell, Milton Keynes.
Calvaryccc Council members who served from 1st January 2024 until the date of this report was approved are:
Elected Council members: - Mr. Wing Ho Leung Chairman (from 1[st] March 2024) Ms. Katie Ho Chairman (until 29[th] February2024) Ms. Kitty Kwan Secretary Ms. Siu Mui Wong Treasurer
Ms. Clara, Pui Ching Yu
Mr. Wing Fai Choi
- Mr. James Voong
Objectives and Activities
Our main goals are preaching the gospel of Jesus Christ and teaching the doctrines of the Christian faith as set forth in the Holy Scriptures, primarily but not exclusively, to the Chinese in Milton Keynes and the surrounding areas.
In addition to regular Sunday worships, fellowships and bible studies; there are other affiliated activities targeting non-believers, so they can get to know about our church and have the opportunity to know the Gospel.
Structure, governance and management
Type of governing document[ Church constitution. ] How the charity is constituted Trust Trustees are selected and elected by members according Trustee selection methods to the church constitution. (eg. appointed by, elected by)
Achievements and Performance
Church attendance
The average weekly attendance was around 90-120 for Cantonese service and 60-
Crossway services. Sunday school had 60 -70 children under the age of 18.
Review of the year
Calvaryccc continued to invite Raymond Au-Yeung to be the church pastor till 31[st] May 2025. The congregation decreased slightly due to another Chinese Church newly established in October.
A pastor is required to shepherd and teach the congregation. Raymond Au-Yeung had taken up the challenge and made positive impact. A number of courses were set up and well attended. Through visitation and family groups, a number of new converts came forward. The church also held two baptismal service in 2024. The congregation constitution has changed in the past few years with believers via the BNO settlement scheme, and they are integrated well in church life. Many are willing to participate fully by becoming church members. Church members grew in 2024.
Crossway, an English-speaking congregation, is also impacted by the influx of these newcomers. Other challenges are language barriers and cultural differences. The Friday Fellowship groups, Cantonese stream has young people around 70 to 80, English stream 27 to 30. Sunday school attendance is between 60-70, there are three classes : Faith, Hope, and Love, with 15, 20, and 30 students respectively.
English Class for seniors age above 60 was established in February 2024. Course content would follow the Bible League International’s curriculum. There were 14 seniors with 70% attendance, and they were graduated from Level 1.
Gospel Cantonese Group was established in March 2024, the group would be practicing singing every alternate weekend. They have performed at Newport Pagnell Cultural and Literary Festival, Church Anniversary, and Christmas Day.
Bible Study and Sisters’ Fellowship
There are two bible studies. One was held every other Friday evening; the other was held on the 2nd and 3[rd] Wednesday evening. It has been continued with zoom throughout the year. Other courses were added throughout the year at regular interval. Each course is set for 6 to 8 weeks depending on the length of the course, mainly conducted by pastor Raymond Au-Yeung.
Sunflower Fellowship for age above 60 was held in COCM on the 4[th] Thursday every month.
Sisters’ Fellowship was held on the 2[nd] Thursday every month during school term time.
Financial Review
Brief statement of the church’s policy on reserves
Contingency fund : £120,709
Our reserve policy is to maintain a balance on unrestricted funds which equates to at least three months of routine unrestricted payments (£12,000) to cover emergency situations.
Pastoral worker fund: £28,536
Fund balance at the end of 2024 was £28,536. Pastor Raymond Au-Yeung was employed for the whole of 2024, his salary and related expenses (£19,151) were paid out from the General fund.
20% General Fund Surplus for the year, at £5,391 is added to this fund.
Short Term mission Fund : £38,156
To encourage members to participate in short term mission, the church decided to support each applicant 50% of the mission cost. 10% General Fund Surplus for the year at £2,696 is added to this fund. No expenditure incurred this year.
Mission fund: £ 7,221
This fund is used for missionary giving. 10% of General Fund income for the year at £7,221 was transferred in. Payments of £5,673 were made in the first quarter of the year to designated Christian Missionary Organizations agreed by the Church Council.
Caring Fund : £6,001
This comes from designated donations for the church, and is used for members (including active and non-active members) or friends who need help in financial difficulties. During this year, donation of £600 has been received, £1,000 was spent on a congregation who has financial difficulty after a traffic incident.
Theological Education Sponsorship Fund : £5,000
This fund was set up in 2020. It is available to active member studying a degree course at a registered establishment. Up to 75% of the tuition fee could be covered once an application has been approved by church members. No movement in this year.
Investment policy – Surplus funds may be invested in bank fixed deposits or publicly traded bonds, low risk and highest return possible. At year end there are 2 investments, one of £50,000 maturing in October 2025; and another one of £50,000 made out in April 2024 for two years, will be matured on 21st April 2026. Church council previously set the maximum allowed amount at £85,000. With contingency fund balance exceeding £100k at the end of last year, and considerably high level of bank balance in low interest saving account, it was discussed and agreed at deacons’ meetings that further investment would be made.
Total general fund income for the year was £72,211. Detailed Financial Statements are on pages 4 & 5.
£4,120 was spent to provide Christian ministry in preaching the gospel and teaching the doctrines of the Christian faith.
£1,200 was spent on speaker’s honorarium for English Worship.
Special donations of £3,600 was made to Laurence Mo for his involvement in our youth work and his ministry in COCM.
The net balance at 31st December 2024 carried forward to Contingency Fund was £12,604.
Members who are tax payers are encouraged to make an offering by Gift Aid which the church can reclaim the tax from the government.
Approved by the CalvaryCCC Council on 15[th] April 2025 and signed on their behalf by Wing Ho Leung (CalvaryCCC chairman)
| Charity Name | No (if any) | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CALVARY CHINESE CHRISTIAN CHURCH | CALVARY CHINESE CHRISTIAN CHURCH | 1120143 | ||||||||||
| For the period from ~~a~~ |
To 01-Jan-24 Receipts andpayments accounts |
31-Dec-24 | CC16a | |||||||||
| Section A Receipts and payments | ||||||||||||
| Unrestricted funds |
Restricted funds |
Endowment funds |
Total funds | Last year | ||||||||
| to the nearest £ | to the nearest £ | to the nearest £ | to the nearest £ | to the nearest £ | ||||||||
| A1 Receipts(see note 1) | ||||||||||||
| Donations andlegacies | **59,132 ** | 600 | - | **59,732 ** | **51,582 ** | |||||||
| Charitable activities | **5,854 ** | - | - | **5,854 ** | - | |||||||
| Othertrading activities | - | - | - | - | - | |||||||
| Investmentsincome | **2,587 ** | - | - | **2,587 ** | 1,966 | |||||||
| Tax Rebate | 9,677 | - | - | 9,677 | **3,184 ** | |||||||
| Other tradingactivities | 141 | - | - | 141 | - | |||||||
| - | - | - | - | - | ||||||||
| - | - | - | - | - | ||||||||
| Sub total(Gross income for AR) | (Gross income for AR)77,391 | 600 | - | 77,991 | 56,732 | |||||||
| A2 Asset and investment sales, (not applicable). - - Sub total - Total receipts 77,391 ~~—S ~~ |
- - - - - - 600 - ~~S 5~~ |
- - - 77,991 |
- - 56,732 |
|||||||||
| A3 Payments (see note 2) | ||||||||||||
| Raisingfunds | - | - | - | - | - | |||||||
| Charitable activities | 41,556 | 5,673 | - | 47,229 | 45,015 | |||||||
| Special Donations | 7,924 | 1,000 | - | 8,924 | 4,520 | |||||||
| Other | - | - | - | - | - | |||||||
| - | - | - | - | - | ||||||||
| - | - | - | - | - | ||||||||
| - | - | - | - | - | ||||||||
| - | - | - | - | - | ||||||||
| - | - | - | - | - | ||||||||
| **Sub total ** | 49,480 | 6,673 | - | 56,153 | 49,535 | |||||||
| A4 Asset and investment purchases, (see table) Fixed term deposit - - Sub total - Total payments 49,480 ~~—S ~~ |
- - - - - - 6,673 - ~~S 5~~ |
- - - 56,153 |
- 49,535 |
|||||||||
| Net of receipts/(payments) 27,911 A5 Transfers between funds - A6 Cash funds last year end - Cash funds this year end 27,911 ~~aS~~ |
- 6,073 - - - 6,073 ~~SS~~ |
- 6,073 - - - - - - 6,073 - ~~SS~~ |
21,838 7,197 - - - - 21,838 7,197 ~~SS~~ |
CCXX R1 accounts (SS)
12/07/2025
1
Section B Statement of assets and liabilities at the end of the period
| Unrestricted | Restricted | Endowment | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Categories | Details | funds | funds | funds | ||||||
| to nearest £ | to nearest £ | to nearest £ | ||||||||
| B1 Cash funds | Cash at bank and in hand Total cash funds ~~SS~~ |
Total cash funds | 20,709 - - 20,709 ~~= ~~ |
84,914 - - - - 84,914 - ~~Be~~ |
||||||
| Unrestricted | Restricted | Endowment | ||||||||
| funds | funds | funds | ||||||||
| Details | to nearest £ | to nearest £ | to nearest £ | |||||||
| B2 Other monetary assets | Fixed term deposit ~~== ~~ |
100,000 - - - - - ~~& ~~ |
- - - - - - - - - - - ~~Ee~~ |
|||||||
| Details | Fund to which asset belongs |
Cost (optional) | Current value (optional) |
|||||||
| B3 Investment assets B4 Assets retained for the charity’s own use |
- - - - - - - - - - Fund to which asset belongs Cost (optional) Current value (optional) expensed in General Admin dept in 2024 - - expensed in General Admin dept in 2023 - - expensed in General Admin dept in 2023 - - - - - - - - - - - - - - Laptop for Sunday school £350 Epson Projector £600 2 projectors £633 None Details ~~=EE:~~ |
|||||||||
| Fund to which | Amount due | When due | ||||||||
| Details | liability relates | (optional) | (optional) | |||||||
| Total Net Assets, represented by fund balances below: B5 Liabilities |
- - - - - Total Net Assets, represented by fund balances below: 205,623 None ~~===~~ |
|||||||||
| Fund Balances | Type PE, EE R or **UR *** |
Fund balances brought forward |
Income | Expenditure Transfers |
Gains and losses Fund balances carried forward |
|||||
| Mission Fund | R | 5,673 | - 5 | - 5,673 7,221 - 7 | 221 - 7 | 221 - 7,221 | ||||
| Pastoral Worker Fund | R | 23,145 - - 5 | 145 - - 5 | 145 - - 5 | 145 - - 5,391 - 28 | 391 - 28 | 391 - 28,536 | |||
| Short Term Mission Fund | R | 35,460 - - 2 | 460 - - 2 | 460 - - 2 | 460 - - 2,696 - 38 | 696 - 38 | 696 - 38,156 | |||
| Contingency Fund (from general fund | ||||||||||
| surplus) | UR | 108,105 - - 12 | 105 - - 12 | 105 - - 12 | 105 - - 12,604 - 120 | 604 - 120 | 604 - 120,709 | |||
| General Fund | UR | - 77 | - 77,991 - 56 | 991 - 56 | 991 - 56,153 - 21,838 - - | 838 - - | 838 - - | |||
| Theological Education Sponsorship | ||||||||||
| Fund | R | 5,000 | - | 5,000 | ||||||
| CaringFund | R | 6,401 600 - 1 | 401 600 - 1 | 401 600 - 1 | 401 600 - 1,000 | 6,001 | ||||
| Total funds | 183,784 | 78,591 | - | 62,826 - 6,074 |
- 205,623 |
|||||
| Signed by one or two trustees on behalf of all the trustees |
Signed by one or two trustees on behalf | Signature | Print Name | Date of approval |
||||||
| W H Leung | 04/05/2025 | |||||||||
| S M Wong | 04/05/2025 |
CCXX R2 accounts (SS)
12/07/2025
2
Charity Name No (if any) CALVARY CHINESE CHRISTIAN CHURCH 1120143
Receipts and payments accounts
| 01/01/2024 | 01/01/2024 | 31/12/2024 | 31/12/2024 | ||||||
|---|---|---|---|---|---|---|---|---|---|
| For the period from | To | ||||||||
| Note 1 Analysis of Income | |||||||||
| Restricted | |||||||||
| Unrestricted | Unrestricted | income | Endowment | ||||||
| funds | funds | funds | Total funds | Prior year | |||||
| Analysis | £ | £ | |||||||
| Donations and legacies: | Sunday Offering | 28,917 | - - 2 | - - 2 | - - 28,917 | 17 | 1739,392 | ||
| Sunday Offering( English) | 1,866 | - - 1 | - - 1 | - - 1,8667 | 7 | 730 | |||
| Gift Aid offering | 28,349 | - - 2 | - - 2 | - - 28,34911 | 11 | 11,273 | |||
| General grants provided by government/other | |||||||||
| charities | - - - - | - - - - | - - - - | - - - - | - - - - | - - - - | |||
| Other (BBQ offering) | - | - | - | - | -67 | ||||
| CaringFund | - | - | -600- | - | -60012 | 12 | 120 | ||
| Total | 59,132 600 - | 59,132 600 - | 59,132 600 - | 59,132 600 - | 59,132 600 -59,732 | 2 | 251,582 | ||
| Charitable activities: | English Class | 433- - 4 | - - 4 | - - 4 | - - 4 | - - 433- | - | - | - |
| NP Cultural n Literary Event | 241 - - 241 - | 241 - - 241 - | 241 - - 241 - | 241 - - 241 - | 241 - - 241 - | 241 - - 241 - | 241 - - 241 - | 241 - - 241 - | |
| Crossway retreat | 5,180 | - - | - - | - -5,180- | - | - | - | ||
| Other | - - - - | - - - - | - - - - | - - - - | - - - - | - - - - | |||
| Total | 5,854 | - - | - - | - -5,854 - | 4 - | 4 - | 4 - | ||
| Other trading activities: | |||||||||
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | ||
| Other | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| Total | - | - | - | - - | - - | - - | - - | ||
| Income from investments: | Bank Interest | 782 - - 7 | 2 - - 7 | 2 - - 7 | 2 - - 7 | 2 - - 782 | 2 | 2816 | |
| Interest on Fixed Term Deposit | 1,805 | - - 1 | - - 1 | - - 1,8051 | 1 | 1,150 | |||
| Other | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| Total | 2,587 | - | - | 2,587 1 | 7 1 | 7 1,966 | |||
| Tax Rebate : | Gift Aid | 6,698 | - - | - - | - -6,6982 | 2 | 2,163 | ||
| Small donations scheme (GASDS) | 2,979 | - - 2 | - - 2 | - - 2,9791 | 1 | 1,021 | |||
| Other | - - - - | - - - - | - - - - | - - - - | - - - - | - - - - | |||
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | ||
| Total | 9,677 | - | - | 9,677 | 77 | 773,184 | |||
| Other: | repaid expense overclaimed | 141 - - 141 - | 141 - - 141 - | 141 - - 141 - | 141 - - 141 - | 141 - - 141 - | 141 - - 141 - | 141 - - 141 - | 141 - - 141 - |
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | ||
| Total | 141 | 141 | 141- | - | 141 - | 141 - | 141 - | 141 - | |
| Other information: TOTAL INCOME |
77,391 600 ~~a~~ |
77,391 600 | 77,391 600 | 77,391 600- 77,991 56,732 | 77,991 56,732 | 77,991 56,732 | 77,991 56,732 | ||
| All income in the prior year was unrestricted except for: (please provide | All income in the prior year was unrestricted except for: (please provide | ||||||||
| description and amounts) | |||||||||
| Where any endowment fund is converted into income in the reporting period, | |||||||||
| please give the reason for the conversion. | |||||||||
| Within the income items above the following items are material: (please disclose | Within the income items above the following items are material: (please disclose Offering continue to increase as a result of a larger congregation, and |
Offering continue to increase as a result of a larger congregation, and | |||||||
| the nature, amount and any prior year amounts) | congregation who are eligible for gift aid. | ||||||||
| Interest from investments increase as a result of higher interest rates | |||||||||
| Tax rebate from Small donations scheme cover 2 calendar years (£979 | Tax rebate from Small donations scheme cover 2 calendar years (£979 | Tax rebate from Small donations scheme cover 2 calendar years (£979 | Tax rebate from Small donations scheme cover 2 calendar years (£979 | ||||||
| for 2023, £2,000 for 2024) | for 2023, £2,000 for 2024) | ||||||||
| Gift Aid tax rebates is higher in 2024 in line with increased on GA | Gift Aid tax rebates is higher in 2024 in line with increased on GA | ||||||||
| offering. Also reciepts cover 2 calendar years (£2,188 relates to 2023) |
Charity Name
No (if any) 1120143
CALVARY CHINESE CHRISTIAN CHURCH
Recei ts and a ments accounts p p y
| 01/01/2024 | 01/01/2024 | 31/12/2024 | 31/12/2024 | 31/12/2024 | |||
|---|---|---|---|---|---|---|---|
| For the period from | To | ||||||
| Note 2 Analysis of payments | |||||||
| Restricted | |||||||
| Unrestricted | income | Endowment | |||||
| funds | funds | funds | Total funds | Prior year | |||
| Analysis | £ | £ | |||||
| - - - - - - - - - - Incurred seeking donations Incurred seeking legacies Expenditure on raising funds: ~~es~~ ~~aO~~ |
- - - - - - - - - - |
||||||
| Incurred seeking grants | |||||||
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| Fundraising agents Operating charity shops Staging fundraising events Advertising, marketing, direct mail and publicity Start up costs incurred in generating ~~po~~ ~~a~~ ~~a~~ ~~po~~ |
- - - - - - - - - - - - - - - - - - - - ~~a~~ ~~ee~~ ~~ee ~~ ~~Oa~~ ~~Oa~~ |
- - - - - - - - - - - - - - - - - - - - ~~ee~~ |
|||||
| new source of future income | |||||||
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| - - - - - Database development costs ~~a~~ |
- - - - - | ||||||
| Other trading activities ~~a~~ |
|||||||
| Investment management costs: | - - - - | - - - - | - - - - | - - - - | - - - - | - | - |
| Cost of obtaining investment advice Total expenditure on raising funds ~~po~~ |
- - - - - - - - - - ~~aee~~ |
- - - - - - - - - - |
|||||
| Expenditure on Pastoral Department ~~a~~ |
15,797 | - 1 | - 15,797 1 | 7 1 | 7 16,139 | ||
| charitable activities Youth Department ~~a~~ |
1,695 | - 1 | - 1,6951 | 1 | 157 | ||
| Evangelism Department ~~a~~ |
577 | - | -577 1 | 77 1 | 77 181 | ||
| General Administration Department ~~a~~ |
2,495 | - 2 | - 2,495 | 3,527 | |||
| Caring Department ~~a~~ |
1,600 | - 1 | - 1,6001 | 1 | 1,381 | ||
| Missionary Giving ~~a~~ |
- | -5,673 | 5,6734 | 4 | 4,413 | ||
| Use of short term mission fund ~~a~~ |
- - | - - | - - | - - | - - | - - | - - |
| NP Cultural n Literary Event ~~a~~ |
241 | 241 - | 241 - | 241 - | 241 - | ||
| Finance Department ~~a~~ |
19,151 | - | - | 19,151 1 | 1 1 | 1 19,217 | |
| Total expenditure on charitable activities |
41,556 5,673 - 47 | 41,556 5,673 - 47 | 41,556 5,673 - 47 | 41,556 5,673 - 47,2294 | 4 | 45,015 | |
| Separate material item Special donations |
3,700 | - - | - - | - -3,700 | 3,400 | ||
| of expense Crossway retreat |
4,224 | - - 4 | - - 4 | - - 4,224 1 | 224 1 | 224 1,120 | |
| Caring Fund | - 1 | - 1,000- 1 | - 1 | - 1,000- | - | - | - |
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| Total | 7,924 1 | 24 1,000- | - | -8,924 4 | 24 4 | 24 4,520 | |
| Other | |||||||
| Governance cost | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - |
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | |
| Total other expenditure | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - | - - - - - |
| 49,480 TOTAL EXPENDITURE ~~a~~ |
6,673 | - | 56,153 | 49,535 | |||
| Other information: | |||||||
| Items of expenditure on charitable activities |
Activity or programme Activities undertaken directly Pastoral Department Expenses in relation to pastoral teaching & caring covering Sunday worships or devotional meeting or bible studies, biblical training, visitation etc
| Youth Department | Expenses incurred on youth work covering Sunday school or young people fellowship or training etc Venue Hire in 2024 will also come under this heading rather than Pastoral Dept |
|---|---|
| Evangelism Department | Expenses incurred on evangelistic meeting such as training and seminar, BBQ for members & non members |
| General Administration Department |
Expenses incurred on administrative and/or sundry activities such as insurance, purchase of equipments, website subscription, refreshment for Sunday worships, stationery etc |
| Caring Department | Expenses incurred on activities covering adult fellowship meeting, members visit etc A new English class was establised during 2024. |
| Missionary Giving | Donation to Christian missionary organisations as agreed by the Church Council, decision usually made around the end of the year so payments could fall within the same year or the following year. |
| Use of short term mission fund |
Providing 50% of total cost incurred by members going on short term mission trip |
| Finance Department | Church pastor in post from June 2022, salary & related expenses previously funded from Pastoral Worker Fund are expensed from General Fund from 2024. |
| Prior year expenditure on charitable activities can be analysed as follows: |
as detailed under Expenditure on charitable activities above, increase on Pastoral department is as a result of significant growth in church congregation |
|---|---|
| Within the expenditure items above the following items are material: (please disclose the nature, amount and any prior year amounts) |
The church continue to support L Mo of COCM (£300 monthly) for his involvement in youth work. Spending is under Special donation |
| Church deacons approved a payment of £1,000 out of Caring Fund to a congregation who has financial difficulty after a traffic incident |