Annual Report & Financial Statements for the year ended 31[st] December 2025
Registered Charity No. 1130964
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Contents
| Contents | |
|---|---|
| Reference and Administrative Details of the Board | 3 |
| Charitable Objectives | 4 |
| Organisational Structures and Decision-Making Processes | 4 |
| Objectives and Activities | 4 |
| Achievements and Performance | 5 |
| Financial Review | 5 |
| Public Benefit | 6 |
| Independent Examiners Report | 7 |
| Statement of Financial Activities for the year ended 31 December 2025 | 8-13 |
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Annual Report 2025
Reference and Administrative Details of the Board
Name
Stanmore Baptist Church
Registered Address
Stanmore Baptist Church, Abercorn Road, Stanmore, HA7 2PH
Trustees
Anne Calver (Minister appointed 1[st] July 2025) Claire Ingate (elected Church secretary 3[rd] September 2025) William Ohene (elected Treasurer 3[rd] September 2025) Derin Ogunsola (Treasurer resigned June 2025) Rev Kathleen Williamson (resigned June 2025) Julie Bamwo (resigned June 2025) Elizabeth Twumasi (resigned 3[rd] September 2025) Nila Suriakumar (resigned 3[rd] September 2025) Roshanara Jobsz (resigned 3[rd] September 2025) Tony Barden (resigned 3[rd] September 2025) Geoffery Rose (resigned 3[rd] September 2025) William Ohene (resigned 3[rd] September 2025)
Property Trustees
London Baptist Property Board Ltd., Unit C2, 15 Dock Street, London, E1 8JN. Phone 020 7692 5592
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Charitable Objectives
Stanmore Baptist Church is governed by a Constitution which states that the principal purpose of the charity is the advancement of the Christian faith according to the principles of the Baptist denomination, to include the advancement of education, community service and such other general charitable purposes in such parts of the United Kingdom and the world as the Church shall determine.
The Church occupies premises, which are held by the London Baptist Property Board Ltd., on Trusts which are entirely compatible with the above objective.
Organisational Structure and Decision-Making Processes
Members of the Church are accepted in accordance with the Constitution. Baptism by immersion upon personal profession of faith is the normal mode of entry into the membership of the Church, though persons seeking membership who have not been baptised in this manner may, at the discretion of the Church members, be accepted for full membership based on their own public profession of faith.
The members' Meeting normally takes place four times per year and has responsibility for the overall policy of the church. During the pastoral transition, we held church meetings every other month. In accordance with the Constitution, the members appoint Deacons, who together with the Minister, Church Secretary and Treasurer (who are also appointed by the Members), are the Trustees of the Church. The Trustees are responsible for the day-to-day running of the church’s work and witness, and the financial and legal aspects of the charity. All members are encouraged to take an appropriate part in the spiritual and practical tasks involved in the furtherance of the charitable objective.
Relevant matters may be submitted to the Church meeting by the Trustees for guidance or may be raised by members in the Church meeting for further consideration by the Trustees. Although the Constitution permits decisions to be made at Church meetings by appropriate majorities, the Church seeks to work by consensus wherever possible.
Objectives and Activities
Our aim is still to show the love of Jesus Christ in both word and deed and to bring people into a closer relationship with Him as living Lord.
Our activities include regular public worship, prayer, bible study, preaching and teaching, taking place at our 11 a.m. Sunday service and during the week. Our services are friendly and welcoming, and anybody is free to attend.
We are committed to the teaching, encouragement, welcome and inclusion of children and young people and working alongside other dedicated volunteers who coordinate our youth ministry and Girls Brigade. We ran a full programme for children and young people at all our services, including a crèche. Alongside this, our weekly activities included a parent and toddlers’ group (Little Feet), a Preschool, Girls’ Brigade and other age-appropriate groups.
We continue to run the Tuk-Tuk Coffee van based on our premises, for both social impact and evangelistic purposes. This enables us to continue our mission of engaging with our neighbours in one of the most religiously and ethnically diverse boroughs in the UK. As the Tuk-Tuk operates outdoors, we were able to trade whenever the local schools were open. Trading is paused during periods of school closure
This year, we started a FoodHub following the approval by members of the church in May 2025. It has continued to grow with the aim of supporting the reduction of food waste and alleviating poverty in the local community. This
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also served as an evangelical outreach. The FoodHub is supported by volunteers from the church and local volunteers. The FoodHub is held on the church premises and is open to the public on Thursday evenings.
Many activities are aimed at the nurture and growth of Christian disciples, including Café Connect for seniors, house groups devoted to Bible study and sharing in fellowship. We also have accountability groups that meet bimonthly for men and women.
We continued our links with the Evangelical Alliance, the Baptist Union of Great Britain, London Baptists, as well as other churches, including support for the Baptist Union Home Mission fund.
Achievements and Performance
The Church does not measure the success of its programmes only in numbers, including financial numbers, but also in less-tangible areas like fellowship and encouragement.
Church membership stood at 58 at the end of 2025.
We continue to take Safeguarding training seriously. We continue to review and look at key policies, including annual risk assessments. The church continually carries out a Safeguarding Audit.
Financial Review
The Church continues to raise funds, which it needs to carry out its activities from within its own membership and congregation. No wider public appeal was made for funds during the year. However, there was a marked drop in donations over the years, and church activities are supported from property income received from church properties.
After almost five years of pastoral transition, the church appointed a full-time minister in July 2025. At the start of the year, we had one outreach worker who worked part-time. Our most significant expenses were the costs of running our regular activities, administrative costs, and upkeep of property. In addition, we gave £6,760 to missionary and educational support during 2025 (£18,791 in 2024).
The Church expressed its part in the life of the wider church by financially supporting national and international Christian organisations and societies with Christian aims and objectives compatible with the Church’s own charitable purpose.
The Church is heavily dependent on its membership working as volunteers in all aspects of the Church’s activities, many of which run with little or no impact on the Church’s expenditure but contribute substantially to the achievement of the Church’s objectives.
Our property portfolio is the Church Building, 4 freehold houses, 1 leasehold flat, and land/freehold on which 2 flats are built, from which we receive nominal ground rent. We continue to have a robust maintenance and improvement program for all our properties. In 2025, we received rental income from 4 of our freehold houses and our leasehold flat.
The financial results for the year are set out in the accompanying financial statements. The Church made a surplus on its operating costs of £42,217. The church’s pension liability ceased in the previous years following the elimination of the pension shortfall debt.
The Trustees are satisfied that they have sufficient reserves at the Balance Sheet date, together with ongoing income anticipated, to enable the church to function effectively and meet future aspirations in the coming and
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future years. We held £356,619 (LBPB) in our reserves at the end of 2025 (£271,233, in 2024). The main church bank and cash account stood at £19,542 at the end of the year (£62,710 at the end of 2024).
The church directly employed one staff member at the beginning of 2025 and at the end of the year had two staff following the appointment of the Minister (1[st ] July 2025). Employer's pension contributions continue to be paid either into a BU occupational scheme or the NEST pension scheme.
The Trustees continue to assess the major risks facing the church and are satisfied that there are policies and mitigation strategies in place to minimise these risks. These include our Safeguarding (Child Protection) policies, Employers' and Third-Party liability insurance, plus adequate buildings insurance for all freehold properties and contents insurance for the Church and Landlord insurance for the rented flat. In addition, robust financial controls are in place and continue to be refined, as necessary. These include formal delegation (in writing) to specific individuals to authorise expenditure, together with regular scrutiny of income and expenditure (monthly by the Treasurer and Finance Team) and adjustment of budgets (quarterly by the Trustees).
We continue to work on ensuring that we are fully compliant with GDPR and Safeguarding Record Keeping, which includes moving to a secure Cloud-based system for emails (Microsoft Exchange), a secure Cloud-based system for financial ledger (MyFund Accounting) and a secure Cloud-based system for files and data (SharePoint).
Public Benefit
The trustees of Stanmore Baptist Church are aware of the Charity Commission's guidance on public benefit in The Advancement of Religion for the Public Benefit and have had regard to it in their administration.
The trustees believe that the work of Stanmore Baptist Church helps to promote the whole mission of the church (pastoral, evangelistic, social, and ecumenical) more effectively, and that in doing so it provides a benefit to the public by: -
-
The provision of sacred spaces, church buildings and worship services
-
The provision of public rituals and ceremonies through weddings, funerals, and dedications for children
-
Contributing to the spiritual and moral education of children
-
Helping create a better society by promoting social cohesion and neighbourliness.
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Practical expressions of our religious beliefs, including relieving poverty and advancing education.
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Ministering holistically by contributing to our members’ good mental health and well-being
-
Providing comfort to the bereaved
Written on behalf of the Trustees of Stanmore Baptist Church
Signed: Church Treasurer
22[nd] March 2026
Independent Examiner's Report to the Trustees of Stanmore Baptist Church.
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I report on the accounts of the church for the year ended 31[st] December 2025, which are set out on the finance pages of the Annual Report.
Respective Responsibilities of Trustees and Examiner
The church’s trustees are responsible for the preparation of the accounts. The church's trustees consider that 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:
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Examine the accounts under section 145 of the 2011 Act).
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To follow the procedures laid down in the General Directions given by the Charity Commissioners (under section 145(5)(b) of the 2011 Act); and
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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
Since the gross income for the year exceeds the amount provided in section 145(3) of the Act, I confirm that I am qualified to act as Independent Examiner under the provisions of that section of the Act and that my qualification is as shown below.
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
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to keep accounting records in accordance with section 130 of the 2011 Act; and
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to prepare accounts which accord with the accounting records and comply with the accounting requirements of the 2011 Act have not been met: or
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2 to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
Kevin Ogilvie 13 Evelyns Close, Hillingdon, Middlesex, UB8 3LR 10[th] March 2026
Statement of Financial Activities
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| Unrestricted funds Restricted funds Endowment funds Total funds Prior year total funds |
|
|---|---|
| Incoming resources Incoming resources from generated funds Voluntary income Activities for generating funds Investment income Incoming resources from charitable activities Youth Other incoming resources CAFE PROJECT Children Total income Resources used Costs of generating funds Charitable activities Youth Children Governance costs Related Admin & Support Other resources used Ministerial Costs Outreach Events Rental Properties Costs Church Building Costs CAFE PROJECT Ministerial Property Costs Church Building Costs Total expenditure Net income / (expenditure) resources before transfer Transfers Gross transfers between funds - in Gross transfers between funds - out Other recognised gains / losses Gains/losses on investment assets Gains on revaluation, fixed assets, charity's own use Net movement in funds Total funds brought forward Total funds carried forward Represented by Unrestricted General fund Designated Donations Designated Fellowship Fund LBPB Building Reserve LBPB_Operating Reserve Little Feet Ministry Gift LBPB_Pension reserves Projects General Refuge Coffee Square One Club Tuesday Fellowship / Cafe Connect Youth / Students Total funds |
- - - - - 56,056 - - 56,056 61,933 89,956 - - 89,956 91,523 10,386 - - 10,386 9,715 3,367 - - 3,367 1,163 - - - - 1,195 - - - - 10,000 - - - - - 64 - - 64 114 |
| 159,830 - - 159,830 175,643 2,402 - - 2,402 4,571 16,267 - - 16,267 18,791 566 - - 566 417 - - - - 29 - - - - - 5,017 - - 5,017 7,832 - - - - - 32,465 - - 32,465 12,745 - - - - - 12,584 - - 12,584 10,744 - - - - 6,414 - - - - - 3,246 - - 3,246 6,180 45,066 - - 45,066 41,415 |
|
| 117,612 - - 117,612 109,137 |
|
| 42,217 - - 42,217 66,506 221,085 - - 221,085 20,677 (221,085) - - (221,085) (20,677) - - - - - - - - - - |
|
| 42,217 - - 42,217 66,506 |
|
| 4,684,486 - - 4,684,486 4,617,979 |
|
| 4,726,703 - - 4,726,703 4,684,486 4,396,771 - - 4,396,771 4,563,013 11,428 - - 11,428 4,307 2,500 - - 2,500 1,548 250,000 - - 250,000 101,414 50,000 - - 50,000 - 1,000 - - 1,000 891 2,568 - - 2,568 - 5,000 - - 5,000 5,000 7,436 - - 7,436 5,277 - - - - - - - - - 2,648 - - - - 294 - - - - 95 |
|
| 4,726,703 - - 4,726,703 4,684,486 |
Balance Sheet detailed
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| Class and code Description |
As at 31/12/2025 As at 31/12/2024 |
|---|---|
| Fixed assets 10200 Church premises 10201 77 Belmont Lane 10202 33 Belmont Lane 10207 23 Belmont Lane 10209 87 Abercorn Road 10210 18 Brunel Court 10215 Church Kitchen Total Fixed assets Current assets 10400 Loans Outstanding 10402 Cash in Hand 10403 Santander 10405 COIF 10406 LBPB 10407 Refuge Coffee Float 10411 Square One Club Float 10413 Little Feet Float Z05 Accounts Receivable Total Current assets Liabilities 10600 Sundry Creditors 6699 Agency collections Z04 Accounts Payable Total Liabilities Net Asset surplus (deficit) Reserves Excess/(deficit) to date Z01 Starting balances Z02 Gains/(losses) on investment assets Z03 Gains and losses own use Total Reserves Represented by Funds General (Unrestricted) Designated Restricted Total |
2,751,105 2,751,105 400,000 400,000 265,000 265,000 231,220 231,220 378,217 378,217 325,000 325,000 - - |
| 4,350,542 4,350,542 - - - - 19,482 62,577 - - 356,619 271,233 50 50 - - 10 83 - - |
|
| 376,161 333,943 - - - - - - |
|
| - - |
|
| 4,726,703 4,684,486 |
|
| 42,217 (153,083) 4,684,486 4,837,568 - - - - |
|
| 4,726,703 4,684,486 4,396,771 4,563,013 329,932 121,473 - - |
|
| 4,726,703 4,684,486 |
Statement of Assets and Liabilities (by code)
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| Class and nominal code | General Designated Restricted Endowment Total Lastyear |
|---|---|
| Fixed Asset - Investments 23 Belmont Lane 231,220 - - - 231,220 231,220 87 Abercorn Road 378,217 - - - 378,217 378,217 18 Brunel Court 325,000 - - - 325,000 325,000 Total 934,437 - - - 934,437 934,437 Fixed Asset - Tangible Assets Church premises 2,751,105 - - - 2,751,105 2,751,105 77 Belmont Lane 400,000 - - - 400,000 400,000 33 Belmont Lane 265,000 - - - 265,000 265,000 Total 3,416,105 - - - 3,416,105 3,416,105 Current Asset - Cash at Bank and In Hand Santander (5,440) 24,922 - - 19,482 62,577 Refuge Coffee Float 50 - - - 50 50 Little Feet Float - 10 - - 10 83 Total (5,390) 24,932 - - 19,542 62,710 Current Asset - Investments LBPB 51,619 305,000 - - 356,619 271,233 Total 51,619 305,000 - - 356,619 271,233 Net total assets 4,396,771 329,932 - - 4,726,703 4,684,486 |
231,220 - - - 231,220 231,220 378,217 - - - 378,217 378,217 325,000 - - - 325,000 325,000 |
| 934,437 - - - 934,437 934,437 2,751,105 - - - 2,751,105 2,751,105 400,000 - - - 400,000 400,000 265,000 - - - 265,000 265,000 |
|
| (5,390) 24,932 - - 19,542 62,710 51,619 305,000 - - 356,619 271,233 |
|
| 51,619 305,000 - - 356,619 271,233 |
|
| 4,396,771 329,932 - - 4,726,703 4,684,486 |
Fund movement summary
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| Fund | Opening Incoming Outgoing Transfers Gains/Losses Journals Closing |
|---|---|
| General Unrestricted Sub-totals zBuildingRes Designated Sub-totals zOperatingRes Designated Sub-totals ReFuel Designated Sub-totals ProjectGift Designated Sub-totals Donations Designated Sub-totals SquareOne Designated Sub-totals LittleFeet Designated Sub-totals Tuesday Designated Sub-totals Refuge Designated Sub-totals MinistryGift Designated Sub-totals Fellowship Designated Sub-totals ZPension Designated Sub-totals |
4,563,013 145,882 110,086 (202,038) - - 4,396,771 |
| 4,563,013 145,882 110,086 (202,038) - - 4,396,771 101,414 10,386 - 138,201 - - 250,000 |
|
| 101,414 10,386 - 138,201 - - 250,000 - - - 50,000 - - 50,000 |
|
| - - - 50,000 - - 50,000 95 - - (95) - - - |
|
| 95 - - (95) - - - 5,277 2,159 - - - - 7,436 |
|
| 5,277 2,159 - - - - 7,436 4,307 - 6,760 13,881 - - 11,428 |
|
| 4,307 - 6,760 13,881 - - 11,428 2,648 - - (2,648) - - - |
|
| 2,648 - - (2,648) - - - 891 99 - 10 - - 1,000 |
|
| 891 99 - 10 - - 1,000 294 588 389 (493) - - - |
|
| 294 588 389 (493) - - - - 676 378 (298) - - - |
|
| - 676 378 (298) - - - - - - 2,568 - - 2,568 |
|
| - - - 2,568 - - 2,568 1,548 40 - 912 - - 2,500 |
|
| 1,548 40 - 912 - - 2,500 5,000 - - - - - 5,000 |
|
| 5,000 - - - - - 5,000 |
|
| Totals | 4,684,486 159,830 117,612 - - - 4,726,703 |
Analysis of income and expenditure
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| Total | |
|---|---|
| Unrestricted Designated Restricted Endowment Thisyear Lastyear | |
| INCOMING RESOURCES Incoming resources from generated funds Donations (Bank Transfers) Gift Aid & GASDS Recovered Projects (Gift Day) Fellowship Fund Income Contributions for use of SBC assets Refuge Coffee Income Property Rental Income Bank & Deposit Interest Incoming resources from generated funds Totals Incoming resources from charitable activities Youth Donations Donations from Conference Ministry Tuesday Fellowship / Cafe Connect Outreach Income Incoming resources from charitable activities Totals Other incoming resources Legacies Other incoming resources Totals Children Little Feet Income Children Totals Incoming resources Grand totals RESOURCES USED Costs of generating funds Refuge Coffee Materials Cost Refuge Tuk Tuk Running Costs Costs of generating funds Totals Charitable activities Youth Regular Ministry Children's Regular Ministry BU Home Mission LatinLink Re-Gen & Oth. Missionary Giving At a Loss Charity Regular Ministry Worship Team Minor Gifts Hospitality Fellowship Fund Gifts Tuesday Fellowship / Cafe Connect Outreach Activities Pancake Party Light Party Charitable activities Totals Related Admin & Support Finance Officer Pay [Pen, Tax & NIC] Office Administrator Pay [Pen, Tax & NIC] Personal Develop/Training Misc Expenses Reimbursed Kitchen & Cleaning Supplies Office Supplies Subscriptions IT Photocopying & Printing Mobile, Broadband & Landline Related Admin & Support Totals Ministerial Costs Senior Minister Salary Senior Minister Pension |
42,427 89 - - 42,516 51,191 11,362 - - - 11,362 9,459 - 2,159 - - 2,159 5 - 20 - - 20 1,278 4,070 - - - 4,070 6,400 7,188 676 - - 7,864 8,901 78,022 - - - 78,022 76,222 - 10,386 - - 10,386 9,715 |
| 143,069 13,330 - - 156,398 163,171 - - - - - 1,195 2,568 - - - 2,568 - - 554 - - 554 694 245 - - - 245 469 |
|
| 2,813 554 - - 3,367 2,358 - - - - - 10,000 |
|
| - - - - - 10,000 - 64 - - 64 114 |
|
| - 64 - - 64 114 |
|
| 145,882 13,948 - - 159,830 175,643 |
|
| 1,926 336 - - 2,262 2,682 98 42 - - 141 1,889 |
|
| 2,024 378 - - 2,402 4,571 566 - - - 566 417 - - - - - 29 - 1,650 - - 1,650 5,243 - 2,917 - - 2,917 2,267 - 400 - - 400 - - 1,793 - - 1,793 2,505 3,800 - - - 3,800 3,557 1,727 - - - 1,727 1,000 130 - - - 130 394 - - - - - 80 - - - - - 55 - 389 - - 389 1,030 3,461 - - - 3,461 2,578 - - - - - 43 - - - - - 39 |
|
| 9,684 7,149 - - 16,833 19,236 - - - - - 1,291 - - - - - 545 192 - - - 192 519 678 - - - 678 - - - - - - 77 33 - - - 33 1,496 1,306 - - - 1,306 1,831 1,008 - - - 1,008 229 1,006 - - - 1,006 884 794 - - - 794 961 |
|
| 5,017 - - - 5,017 7,832 15,053 - - - 15,053 - 2,250 - - - 2,250 10 |
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| Senior Minister Tax & NIC Refuge Worker Salary Refuge Worker Pension Refuge Worker Tax & NIC Ministerial Other Travel Ministerial Costs Totals Rental Properties Costs Depreciation 23 Belmont Lane - Maintenance 87 Abercorn Road - Maintenance 18 Brunel Court - Maintenance 23 Belmont Lane - CTax, Water & Ins. 87 Abercorn Road - CTax, Water & Ins. 18 Brunel Court - ServChg, Gnd Rent, Water & Ins. 23 Belmont Lane - Gas & Elec. 87 Abercorn Road - Gas & Elec. Rental Properties Costs Totals Ministerial Property Costs 77 Belmont Lane - Maintenance 33 Belmont Lane - Maintenance 77 Belmont Lane - CTax, Water & Ins. 33 Belmont Lane - CTax, Water & Ins. 33 Belmont Lane - Gas & Elec. Ministerial Property Costs Totals Church Building Costs Church - Maintenance Church - Trade Waste, Water & Ins. Church - Electricity & Gas Church Building Costs Totals Resources used Grand totals |
2,803 - - - 2,803 - 10,904 - - - 10,904 12,546 323 - - - 323 190 674 - - - 674 - 457 - - - 457 - |
|---|---|
| 32,465 - - - 32,465 12,745 - - - - - 6,414 2,139 - - - 2,139 14 64 - - - 64 348 694 - - - 694 1,945 495 - - - 495 - 4,220 - - - 4,220 2,925 3,210 - - - 3,210 1,630 - - - - - 365 1,763 - - - 1,763 3,517 |
|
| 12,584 - - - 12,584 17,158 - - - - - 321 1,519 - - - 1,519 5,760 754 - - - 754 - 973 - - - 973 - - - - - - 100 |
|
| 3,246 - - - 3,246 6,180 25,217 - - - 25,217 17,856 5,269 - - - 5,269 7,332 14,579 - - - 14,579 16,227 |
|
| 45,066 - - - 45,066 41,415 |
|
| 110,086 7,527 - - **117,612 109,137 ** |
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