S T L U K E ’ S C H U R C H W E S T N O R W O O D
Trustees’ Annual Report to the Charities Commission for the year ending 31 December 2024
Aims & Purposes
St Luke’s Parochial Church Council (PCC) has the responsibility of cooperating with the incumbent, the Reverend Donald Davis, in promoting in the ecclesiastical parish, the whole mission of the Church, pastoral, evangelistic, social and ecumenical. The PCC is also specifically responsible for the maintenance of the church building on Knights Hill and a house at 12 Chestnut Road, London SE27 9LF.
Objectives & Activities
The PCC is committed to enabling as many people as possible to worship at our church and to become part of our parish community at St Luke’s West Norwood. The PCC maintains an overview of worship throughout the parish and makes suggestions on how to involve more of the people living in our parish, in the life of the church.
Our services and worship put faith into practice through prayer and scripture, music and sacrament.
Some of these have a special focus such as evangelism or prayer; some are based at church and others are in people’s homes. Our main church service is on Sunday morning at 10.30am. In addition we hold services for St Luke’s School at Easter, Summer, Harvest and Christmas, and Revd Donald leads worship in the school on a weekly basis.
We continue to offer the Start course and Alpha course, to introduce anyone to the Christian faith and to prepare them for services of Thanksgiving and Baptism. We usually offer at least one course of marriage preparation/enrichment for anyone marrying or having their banns read at St Luke’s during the year.
Our street witness activity on Wednesday afternoons is very effective at taking the gospel to the streets of our parish. There is a regular team of people who go out to witness and share the gospel every Wednesday afternoon. This group is supported by missionaries both local and from overseas.
When planning our activities for the year, we have considered the Commission’s guidance on public benefit and, in particular, the supplementary guidance on charities for the advancement of religion. In particular, we try to enable ordinary people to live out their faith as part of our parish community through:
• Worship and prayer; learning about the gospel; and developing their knowledge and trust in Jesus.
-
Provision of pastoral care for people living in the parish.
-
Missionary and outreach work.
To facilitate this work it is important that we maintain the fabric of the church building.
Achievements & Performance
Worship & Prayer
The PCC is keen to offer a range of meetings during the week and over the course of the year that our community finds both beneficial and spiritually fulfilling. We run fellowship groups for Bible study and encouragement during the week.
All are welcome to attend our regular services. At 31 December 2024 there were 73 people on the electoral roll. The average weekly attendance, counted during October 2023, was 108.
As well as our regular services, we enable our community to celebrate and thank God at the milestones of the journey through life. Through Thanksgiving we thank God for the gift of new life, through Baptism - usually a public event held in the church gardens on Pentecost Sunday - we celebrate repentance and the turning away from sin to new life in Christ.
In marriage, public vows are exchanged with God’s blessing, and through funeral services friends and family express their grief and give thanks for the life which is now complete in this world. In 2024 we held three funerals in St Luke’s Church, and three people were baptised.
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S T L U K E ’ S C H U R C H W E S T N O R W O O D
Trustees’ Annual Report to the Charities Commission for the year ending 31 December 2024
Deanery Synod
Two members of the PCC sit on Lambeth South Deanery Synod. This provides the PCC with an important link between the parish and the wider structures of the church.
The Church Building
The church building is used regularly by many local groups including our own members. In addition to the winter night shelter and homeless outreach twice a week, St Luke’s hosts three AA meetings a week and a community choir. The building also hosts the Spring and Summer shows of the Lambeth Horticultural Society each year, and in 2024 hosted a community Halloween event and a Comedy Festival.
In 2024 the major building project was the refurbishment of the upper hall, comprising redecoration and cleaning, new flooring and the installation of a kitchenette. In 2025 the PCC hopes to undertake repairs to the chambers fire door and steps, as well as the steps in the churchyard which lead to Norwood High Street.
Pastoral Care
Some members of the parish are unable to attend church due to sickness or age. Reverend Donald Davis has visited all church members who have requested it, to celebrate communion with them either at their homes or in hospital. This includes both existing members of the community and people who live in West Norwood but do not attend worship at the church but contact us for help and support.
- To draw closer to Jesus every day through Bible reading, reflection, prayer and fellowship.
• To be Holy Spirit-filled witnesses to the good news of Jesus, and to go on being filled with the Holy Spirit.
-
To pray for our family, friends and neighbours, for their lives and for them to know and love Jesus.
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To serve one another and those we meet, together, in the power of the Holy Spirit and in Jesus’ name.
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To encourage everyone to repent and come to Jesus.
St Luke’s has participated in the Robes Project since 2016, offering the church as a night shelter for rough sleepers one night a week on a taketurns rota. This project is staffed by volunteers from St Luke’s and other churches as well as many people from the local community who are not currently part of a church but want to take part in this valuable mission to those in need.
In 2023 St Luke’s Church was approached by Spires, a homeless outreach service, to begin hosting advice and breakfast sessions to rough sleepers and the vulnerably-housed. This began in September 2023 and continues, every Tuesday and Friday.
Externally, St Luke’s PCC continued to support Release International and Spinnaker in 2024, as well as Lea & Petra Williams in the Czech Republic (working for CMS) and Operation Forgiveness, a project led by London City Mission.
Mission
In our fellowship, St Luke’s mission is as follows:
-
To go and make disciples of all nations.
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To baptise them in the name of the Father, the Son and the Holy Spirit.
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To teach them to obey all that Jesus commands.
• To be a family of believers who share a faith and a mission to tell the good news of Jesus.
Ecumenical Relationships
St Luke’s engages in a series of annual outreach activities with other Christian churches in the parish including Chatsworth Baptist Church, Lansdowne Evangelical Church, Worldwide Mission Fellowship, Tulse Hill Methodist Church and St Matthews RC Church. These include a Walk of Witness on Good Friday. Reverend Donald Davis also enjoys regular meetings with the leaders of other churches in the parish and many of our local churches help us with delivering the winter night shelter for Robes.
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S T L U K E ’ S C H U R C H W E S T N O R W O O D
Trustees’ Annual Report to the Charities Commission for the year ending 31 December 2024
Financial Review
Installation of a kitchen in the upper hall and electrical remedials for church and chambers were successfully funded and completed in 2024. The parish share support of £32,500 was paid against pledge of £32,000. London City Mission has been added to our support of missionary societies - Operation Forgiveness focuses on victims of knife crime. Looking ahead, our focus will be the preparation of Gift Aid claims to generate funds for St Luke’s bicentennial celebrations in 2025.
Joy Olisa
Hon Treasurer St Luke’s PCC
Administrative Information
St Luke’s Church is situated at the centre of West Norwood in the London Borough of Lambeth, in South London. It is part of the Diocese of Southwark. The correspondence address is St Luke’s Church, Knights Hill, West Norwood, London SE27 0HS.
The PCC is a body corporate (PCC Powers Measure 1956, Church Representation Rules 2006) and a charity registered with the Charity Commission.
PCC members who have served at any time from 1 January 2024 until the date this report was approved are:
Volunteers
We would like to thank all our volunteers who work so hard to make our church the lively and vibrant community it is. In particular, we want to give thanks to the Sunday School leaders and helpers for providing exciting sessions that stimulate the children’s faith.
Ex Officio Members
Incumbent: The Reverend Donald Davis (Chairman) Church Wardens: Andrew Nicholl & Marcela Friedlova
Elected Members
Structure, Governance & Management
The method of appointment of PCC members is set out in the Church Representation Rules. At St Luke’s the membership of the PCC consists of the incumbent (our vicar), our churchwardens, and members elected by those members of the congregation who are on the electoral roll of the church. All those who attend our services are encouraged to register on the electoral roll and stand for election to the PCC.
The PCC members are responsible for making decisions on all matters of general concern and importance to the parish including deciding how the funds of the PCC are to be spent. The full PCC met ten times during the year with an average attendance of 83%.
Judith Morgan representative on Deanery Synod Esther Plumptre representative on Deanery Synod Joy Olisa Hon Treasurer Nora Velzeboer Maxine Simpson Shawnette Gibbs Anthony Hodgson
Registered Charity No 1138272 stlukeswestnorwood.wordpress.com
Given its wide responsibilities the PCC has subcommittees dealing with finance, mission action planning and mission support, which are responsible to the PCC and report to it regularly, with decisions and recommendations.
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ST LUKE'S CHURCH, WEST NORWOOD REGISTERED CHARITY NUMBER No: 1138272 REPORT AND ACCOUNTS
FOR THE YEAR ENDED 31 DECEMBER 2024
St Luke's Church, West Norwood
Reports and Financial Statements 2024
| Contents | Page |
|---|---|
| General Information | 1 |
| Independent Examiner's Report | 2 |
| Annual Report | 3 |
| Balance Sheet | 4 |
| Statement of Financial Activities | 5 |
| Notes to the Financial Statements | 6 - 10 |
St Luke's Church, West Norwood
General Information
Incumbent:
Rev Donald Davis St Luke's Church Knights Hill West Norwood London SE27 0HS
Bank:
Barclays Bank Plc 543 Norwood Road West Norwood London SE27 9DW
Independent Examiner:
Simon Lewcock FCCA Windsor Lodge Millfield Road Hounslow Middlesex TW4 5PN
1
INDEPENDENT EXAMINER’S REPORT
ON THE ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2024
To the Parochial Church Council of St Luke's Church, West Norwood
This report on the accounts of the PCC for the year ended 31 December 2024, which are set out attached to the report, is in respect of an examination carried out under the Church Accounting Regulations 2006 (‘the Regulations) and the Charities Act 2011 ('the Act').
Respective responsibilities of the trustees and independent Examiner
As members of the PCC you are responsible for the preparation of the accounts; you consider that an audit is not required for this year under section 144(2) of the Act and that an independent examination is needed.
It is my responsibility to:
-
examine the accounts under section 145 of the 2011 Act;
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follow the procedures laid down in the General Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act; and - 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. That examination includes a review of the accounting records kept by the PCC and a comparison of the accounts with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the PCC concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently I do not express an audit opinion on the view given by the accounts.
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:
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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 which comply with the requirements of the 2011 Act, as also contained in the Regulations, 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.
S.A. Lewcock FCCA Windsor Lodge Millfield Road Hounslow Middlesex TW4 5PN
21st April 2025
2
St Luke's Church, West Norwood Balance Sheet as at 31 December 2024
| Note FIXED ASSETS Tangible Fixed Assets 2 Investment Assets 3 CURRENT ASSETS Debtors 4 CBF Deposit Cash at Bank and in Hand LIABILITIES:AMOUNTS FALLING DUE 1 WITHIN ONE YEAR 5 NET CURRENT ASSETS NET ASSETS FUNDS Unrestricted 7 Restricted 7 |
£ 44,042 88 66,224 |
2024 £ 16,620 560 17,180 104,323 121,503 94,277 27,226 121,503 |
£ 35,056 84 68,723 |
2023 £ 16,620 541 |
|---|---|---|---|---|
| 17,161 94,351 |
||||
| 110,354 6,031 |
103,863 9,512 |
|||
| 6,031 | 9,512 | |||
| 111,512 | ||||
| 84,305 27,207 |
||||
| 111,512 |
Approved by the Parochial Church Council on
Rev. D. Davis Vicar, St. Luke's Church, West Norwood
4
St Luke's Church, West Norwood Statement of Financial Activities For the year ended 31 December 2024
| Note INCOME AND ENDOWMENTS Income from donors 9(a) Income from church activities 9(b) Income from investments 9(c) TOTAL INCOME AND ENDOWMENTS EXPENDITURE Missionary and charitable giving 10(a) Activities directly related to the work of the church 10(b) Cost of generating funds 10(c) TOTAL EXPENDITURE NET INCOME / (EXPENDITURE) UNREALISED GAIN / (LOSS) ON INVESTMENTS BALANCES BROUGHT FORWARD AT 31st December 2023 BALANCES CARRIED FORWARD AT 31st December 2024 |
Unrestricted Restricted TOTAL TOTAL Funds Funds FUNDS FUNDS 2024 2023 £ £ £ £ 76,883 920 77,803 101,131 24,024 0 24,024 10,692 18,051 0 18,051 18,053 |
|---|---|
| 118,958 920 119,878 129,876 |
|
| 9,196 920 10,116 9,188 99,630 0 99,630 90,007 160 0 160 1,265 |
|
| 108,986 920 109,906 100,460 |
|
| 9,972 0 9,972 29,416 0 19 19 (166) 84,305 27,207 111,512 82,262 |
|
| 94,277 27,226 121,503 111,512 |
5
St Luke's Church, West Norwood Notes to the Financial Statements For the year ended 31 December 2024
1. ACCOUNTING POLICIES
Basis of financial statements
The financial statmenents have been prepared under the Charities Act 2011, and in accordance with the Statement of Recommended Practise on Accounting and Reporting by Charities (FRS 102) and the Church Accounting Regulations 2006 together with applicable accounting standards. The financial statements have been prepared under the historical cost convention, except for the valuation of investmentassets which are shown at market value.
The financial statements include all transactions, assets and liabilities for which the PCC is responsible in law. They do not include financial statements of church groups that owe their main affiliation to body nor those that are informal gatherings of church members.
Funds
General funds represent the funds of the PCC that are not subject to any restrictions regarding their use and are available for application on the general purposes of the PCC. Funds designated for a particular purpose by the PCC are also unrestricted.
Restricted funds are those funds that must be spent on restricted purposes and details of the funds held and restirctions are provided in notes 8 and 9. There are no Endowment funds held.
Income and endowments
Income from donors
Collections are recognised when received by and on behalf of the PCC. Planned giving under Gift Aid is recognised only when received. Income Tax recoverable on Gift Aid donations is recognised when income is recognised. Grants and legacies to the PCC are accounted for as soon as the PCC is notified of its legal entitlement, the amount due is quantifiable and its ultimate receipt by the PCC is reasonably certain. Funds raised by events are accounted for gross.
Income from church activities
Rental income from letting of church premises is recognised when rental is due.
Income from investments
Dividends are accounted for when due and payable and interest entitlements are accounted for as they accrue.
Gains and losses on investments
Unrealised gains and losses created by revaluation on 31 December are accounted for via the investment trust fund.
Expenditure
Mission and charitable giving
Mission and charitable giving is given to the following charities: The Bethany Children's Trust The Spinnaker Trust Church Mission Society Release International - Imtiaz
Activities directly relating to the work of the Church
The diocesan parish share is accounted for when due.
6
St Luke's Church, West Norwood Notes to the Financial Statements For the year ended 31 December 2024 (continued)
Fixed Assets
Consecrated land and buildings and moveable church furnishings
Consecrated and beneficed property of any kind is excluded from the accounts by S.10(2)(a) and (c)bof the CA 2011. No value is placed on movable church furnishings held by the Priest-in-Charge and Churchwardens on special trust for the PCC and which require a faculty for disposal, are accounted for as inalienable property unless consecrated. For inalienable property there is insufficient cost information and therefore such assets are not valued in the financial statements. All expenditure incurred in the year on consecrated or beneficed buildings and the repair of movable church furnishings is written off.
Other property
The property at 12 Chestnut Road is recorded at historical cost and no provision is made for depreciation. It is vested in the South London Church Fund and Southwark Diocesan Board of Finance as custodian trustees.
Other plant and machinery, fixtures and fittings and office equipment
The sound system and projector used within church premises is depreciated on a straight line basis over 10 years. All other purchases of equipment are written off when the asset is acquired.
Investments
Investments are valued at the bid ruling at 31 December
Current Assets
Amounts owing to the PCC at 31 December are shown as debtors less provision for amounts that may prove uncollectable.
Cash is held on short term deposit with the Central Board of Finance of the Church of England or at the bank.
2. TANGIBLE FIXED ASSETS
| COST at 1st January 2024 Revaluation Additions at 31st December 2024 DEPRECIATION at 1st January 2024 Charge for the year at 31st December 2024 NET BOOK VALUE at 31st December 2024 at 31st December 2023 |
House Sound Furniture & Total System Equipment £ £ £ £ 16,620 9,799 9,889 36,308 0 0 0 0 0 0 0 0 |
|---|---|
| 16,620 9,799 9,889 36,308 |
|
| 0 9,799 9,889 19,688 0 0 0 0 |
|
| 0 9,799 9,889 19,688 |
|
| 16,620 0 0 16,620 |
|
| 16,620 0 0 16,620 |
3. INVESTMENTS
Held in trust:
| Nominal Value Henrietta Atkins 69 3.50% Conversion stock Mrs. M. Parkinson 324 Charinco (Income) Others |
2024 Mkt Val. £ 52 473 525 35 560 |
2023 Mkt Val. £ 52 454 |
|---|---|---|
| 506 35 |
||
| 541 |
X
7
St Luke's Church, West Norwood Notes to the Financial Statements For the year ended 31 December 2024 (continued)
| 4. DEBTORS Income tax recoverable Other debtors 5. LIABILITIES FALLING DUE WITHIN ONE YEAR Rental received in advance Foodbank Accrued expenses 6. STAFF COSTS Pension costs Salaries and N.I. |
2024 £ 38,272 5,770 44,042 2024 £ 1,500 920 3,611 6,031 2024 £ 16,289 1,444 17,733 |
2023 £ 28,050 7,006 |
|---|---|---|
| 35,056 | ||
| 2023 £ 1,500 3,807 4,205 |
||
| 9,512 | ||
| 2023 £ 17,227 1,444 |
||
| 18,671 |
During the year the PCC employed a church administrator and a cleaner, noboby earned more than £60,000 p.a. and no other church member received any remuneration.
For eligible salaried employees St Luke's (West Norwood) PCC participates in the Church of England Pension Builder Scheme (PBS) within the Church Workers Pension Fund. The PBS is administered by the Church of England Pensions Board and provides benefits at retirement based on contributions made to the PBS prior to the date of retirement. The assets of the are held seperately from those of the employer. As at the formal valuation at December 2022, the PBS was in surplus of £34.8m on an ongoing funding basis. The PBS is considered to be a multi-employer scheme as described in S(28) of Financial Reporting Standard 102. This is because St Luke's (West Norwood) PCC is unable to identify the scheme's assets and liabilities to specific employers, and means that the contributions are accounted for as if the PBS contributions are accounted for as if the PBS were a defined contribution scheme.The pension costs charged to the SOFA in the year are the contributions payable (2024 £1444.32, 2023 £1,444.32).
St Luke's (West Norwood) PCC had one active member and three deferred members in the PBS at 31 December 2024.
7. MOVEMENT IN FUNDS
The Unrestricted funds comprise the following:
| General Fund The Restricted funds comprise the following: Foodbank Investment Trust Fund Trust Fund 12 Chestnut Road Other Restricted Funds Total movement of funds |
Balance Balance as at 01 Income & Expenditure Surplus/ as at 31 Jan-24 Endowments (Deficit) Dec-24 |
|---|---|
| £ £ £ £ £ 84,305 118,958 108,986 9,972 94,277 |
|
| 84,305 118,958 108,986 9,972 94,277 |
|
| Balance Balance as at 01 Income & Expenditure Surplus/ as at 31 Jan-24 Endowments (Deficit) Dec-24 |
|
| £ £ £ £ £ 0 920 920 0 0 541 19 0 19 560 16,620 0 0 0 16,620 10,046 0 0 0 10,046 |
|
| 27,207 939 920 19 27,226 |
|
| 111,512 119,897 109,906 9,991 121,503 |
8
St Luke's Church, West Norwood Notes to the Financial Statements For the year ended 31 December 2024 (continued)
8. FUND DETAILS
Unrestricted Funds
General Fund Capital Improvements Fund
Used for all general receipts and expenditure.
A reserve for future maintenance of the buildings, and for major work which needs to be carried out on the church.
Restricted Funds
12 Chestnut Road
Investment Trust Fund Other Restricted Funds
This reflects the investment in the house at historical cost, if the property was to be put on the market Stephen James Estate Agents would recommend asking for £700,000. This reflects the market value of investments held in trust for the benefit of the church. This is the net balance of money donated for specific projects not yet spent.
| Balance | Balance | |||||
|---|---|---|---|---|---|---|
| as at 01 | **Income & ** | Expenditure | Surplus/ | as at 31 | ||
| Jan-24 | Endowments | (Deficit) | Dec-24 | |||
| £ | £ | £ | £ | £ | ||
| Children / young people | 1,740 | 0 | 0 | 0 | 1,740 | |
| Projector | 3,854 | 0 | 0 | 0 | 3,854 | |
| Robes Project | 1,483 | 0 | 0 | 0 | 1,483 | |
| Vicar's Discretionary Fund | 1,817 | 0 | 0 | 0 | 1,817 | |
| Various | 1,152 | 0 | 0 | 0 | 1,152 | |
| 10,046 | 0 | 0 | 0 | 10,046 | ||
| 9. INCOME AND ENDOWMENTS | ||||||
| Unrestricted | Restricted | TOTAL | TOTAL | |||
| Funds | Funds | FUNDS | FUNDS | |||
| 2024 | 2023 | |||||
| £ | £ | £ | £ | |||
| 9(a) Incoming resources from donors | ||||||
| Planned giving | 39,777 | 920 | 40,697 | 58,312 | ||
| Income tax recovered on gift aid | 10,223 | 0 | 10,223 | 11,647 | ||
| Telecom aerial income | 24,265 | 0 | 24,265 | 26,270 | ||
| General collections | 1,117 | 0 | 1,117 | 3,194 | ||
| Grants | 1,501 | 0 | 1,501 | 1,708 | ||
| 76,883 | 920 | 77,803 | 101,131 | |||
| 9(b) Income from church activities | ||||||
| Rental income - church halls | 22,195 | 0 | 22,195 | 8,823 | ||
| Fees for weddings and funerals | 1,829 | 0 | 1,829 | 1,869 | ||
| 24,024 | 0 | 24,024 | 10,692 | |||
| 9(c) Income from investments | ||||||
| Rental income - 12 Chestnut Road | 18,000 | 0 | 18,000 | 18,000 | ||
| Dividends and interest | 51 | 0 | 51 | 53 | ||
| 18,051 | 0 | 18,051 | 18,053 | |||
| TOTAL INCOME AND ENDOWMENTS | 118,958 | 920 | 119,878 | 129,876 |
9
St Luke's Church, West Norwood Notes to the Financial Statements
For the year ended 31 December 2024 (continued)
10. EXPENDITURE
| 10. EXPENDITURE | ||||
|---|---|---|---|---|
| Unrestricted | Restricted | TOTAL | TOTAL | |
| Funds | Funds | FUNDS | FUNDS | |
| 2024 | 2023 | |||
| £ | £ | £ | £ | |
| 10(a) Missionary and charitable giving | ||||
| Overseas | ||||
| - CMS | 2,400 | 0 | 2,400 | 3,800 |
| - Link International | 1,000 | 0 | 1,000 | 0 |
| - Release International (Imtiaz) | 2,400 | 0 | 2,400 | 2,400 |
| Home | ||||
| - London City Mission | 996 | 0 | 996 | 0 |
| - The Spinnaker Trust | 2,400 | 0 | 2,400 | 2,400 |
| - Norwood & Brixton Foodbank | 0 | 920 | 920 | 588 |
| 9,196 | 920 | 10,116 | 9,188 | |
| 10(b) Activities directly related to the work of the church | ||||
| Ministry: | ||||
| diocesan parish share | 32,504 | 0 | 32,504 | 24,996 |
| clergy expenses | 420 | 0 | 420 | 420 |
| Church running expenses | 25,018 | 0 | 25,018 | 33,492 |
| Church maintenance | 5,913 | 0 | 5,913 | 10,829 |
| Hall maintenance | 1,010 | 0 | 1,010 | 0 |
| Wages & salaries & N.I | 16,950 | 0 | 16,950 | 17,227 |
| Pension | 1,444 | 0 | 1,444 | 1,444 |
| Administration costs | 346 | 0 | 346 | 346 |
| Fees | 1,018 | 0 | 1,018 | 0 |
| Independent examiner's fee | 350 | 0 | 350 | 325 |
| Ministry and worship expenses | 148 | 0 | 148 | 928 |
| Major works - Church | 7,062 | 0 | 7,062 | 0 |
| Major works - Church Hall | 6,607 | 0 | 6,607 | 0 |
| Major works - Tree | 840 | 0 | 840 | 0 |
| 99,630 | 0 | 99,630 | 90,007 | |
| 10(c) Cost of generating funds | ||||
| Maintenance and management of rental property | 160 | 0 | 160 | 1,265 |
| 160 | 0 | 160 | 1,265 | |
| TOTAL EXPENDITURE | 108,986 | 920 | 109,906 | 100,460 |
11. CAPITAL COMMITMENTS
There were no capital commitments at the year end
12. INDEPENDENT EXAMINER
Simon Lewcock FCCA, was appointed independent examiner for this year's accounts
10