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2025-12-31-accounts

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 2025

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 a range of courses 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.

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 2025 there were 47 people on the electoral roll. The average weekly attendance, counted during October 2025, was 41.

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 2025 we held three weddings and one funeral in St Luke’s Church.

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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 2025

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 2025 hosted a community Halloween event and a Comedy Festival.

In 2025 the major building project was the completion of the refurbishment of the upper hall (redecoration and flooring). Following the Gas Safety Inspection an interlock system was added to the kitchen and repairs to the gas heaters. Other major repairs included the lightning conductor, the windows and one of the gateposts. The 5-yearly Quinquennial building report was also carried out by the church architect.

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.

Mission

In our fellowship, St Luke’s mission is as follows:

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.

Since 2023 St Luke’s Church has hosted a homeless outreach service for Spires, hosting advice and breakfast sessions to rough sleepers and the vulnerably-housed.

Externally, St Luke’s PCC continued to support Release International and Spinnaker in 2025, as well as Lea & Petra Williams in the Czech Republic (working for CMS) and Operation Forgiveness, a project led by London City Mission.

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

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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 2025

many of our local churches help us with delivering the winter night shelter for Robes.

In 2025 St Luke’s celebrated its 200 year anniversary with a large service in the church. Many previous members were invited along with representatives from partner organisations (eg Feast, Spires), St Luke’s School, Helen Hayes MP and the Mayor of Lambeth. Environmental graphics were created to create engagement with the community and many people got in touch to tell their story of St Luke’s.

Financial Review

Time was set aside for the planning and preparations for celebrating our bicentenary, which was an immense success. Expenditures were within our budget and included around £2000 for design, artwork and signs.

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 69%.

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.

The refurbishment of the upper hall was completed successfully using restricted funds. This included £5000 on flooring. In terms of gas safety, around £2000 was spent on the installation of an interlock system for the kitchen and £2000 on repairs to the hall heaters.

Other notable expenses were £1506 on the quinquennial building report, £2041 for repairs to gatepost and £4000 on remedials and retests.

Joy Olisa Hon Treasurer St Luke’s PCC

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.

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

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Trustees’ Annual Report to the Charities Commission for the year ending 31 December 2025

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 2025 until the date this report was approved are:

Ex Officio Members

Incumbent: The Reverend Donald Davis (Chairman) Church Wardens: Andrew Nicholl & Marcela Friedlova

Elected Members

Judith Morgan representative on Deanery Synod Esther Plumptre representative on Deanery Synod until 25 May 2025

Nora Velzeboer representative on Deanery Synod from 25 May 2025 Joy Olisa Hon Treasurer Maxine Simpson Shawnette Gibbs Anthony Hodgson until 25 May 2025

Registered Charity No 1138272 stlukeswestnorwood.wordpress.com

Nullam arcu leo, facilisis ut

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FINANCIAL STATEMENTS FOR THEYEAR ENDING 31.1225 THEPAROCHIALCHURCH COUNCILOFTHE ECCLESIASTICAL PARISHOFST LUKE'S(LAMBETH) REGISTEREDCHARITY NO:1138272

STWKET WEST NORIIY)OD PCC YEAR ENDIN031.1125 GENERAL INFORMATION Incumbent: Revd Donald Davis St Luke's Church Knights Hill London SE27 OHS Bank: Barclays Bank UK plc Leicester LE87 2BB Independent Examiner: Simon Lewcock FCCA Windsor Lodge Millfield Road Hounslow TW4 5PN

ST LUKEI WESTNORWOOO PCC YEAR EIIDIN031.1225 INDEPENDENT EXAMINER'S REPORTON THE ACCOUNTS FOR THEYEAR ENDED 31 DECEMBER 2025 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 2025, which are set out att8ched to the report, is in respect of an examination carried out under the Church Accounting Regulations 2006 ('the Regulations) and the Charities Act 2011 I'the Act'l. 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 section144(2) of the Act and that an independent examination is needed. It is my responsibility to: examine the accounts under section145 of the 2011 Act,. follow the procedures laid down in the General Directions given by the Charity Commission under ￿¢tion145(5)(bI 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: to keep accounting records in accordance with section130 of the 2011 Act,. and 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

ST WKE% WEST NORWOOD PCC YEAR ENDIN031,12.25 not been met; or (21 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 TW4 5PN

STWKE%WE8T NORWOOD PCC YEAR ENDIN031.1215 BALANCESHEET ASAT31.12.25 Notej 2025 2024 FIXED ASSETS Tangible Fixed Assets InvestmenlAssets 16,620 560 17,180 547 17,167, CURRENT ASSETS Debto CBF Depos Cash al Bank and in Hand 20,942 92 88.929 109,963, 44,042 88 66,2241 110,354 LIABILITIES..AMOUNTS FALLING DUE ￿￿THIN ONE YEAR 5,131 6,031, NEf CURRENT ASSETS 1Q4,832 104,323 NET ASSErs 121,999 121,503 FUNDS Unresthcted Restricted 94.786 94.277 27.226 121,999 121.503 Approved by the Parochial Church Council on13 April 2026 Revd D Davis Vicar, St Luke's Church, West Norwood

ST LUKE%WEsf NORWr￿PCc YEAR ENDING31.1225 STATEMENTOFFINANCIALACTIVITIES FOR THE YEAR ENDING31.12.25 Unrethctsd TOTAL TOTAL Fund• Fund$ FUNDS, FUNDS 2025 INCOME AND ENDOWMENTS Income from donors 191al 69,874 0 | 69,874 77,803 Incon￿ from church ac1v￿e$ 24.851 24.851 24,￿24 1 Income from investrwts ', 9(cl 18,024 18,024 18,051 Othef ir 9(d) 2,833 2,833 1 TOTAL INCOME AND ENDOIYMENTS 115W2 0 115,582 119,878 EXPENDITURE Missionary and charitabk gmrvj 10tal 8,698 8,698 1 10,116 Acbvthes directy ￿llted to thework ofthethurth l￿bI 1C6.375 0 1C6,375 ' 99,630 . Costofgener*ng fvnds 101cl 160 TOTAL EXPENDITURE 115,073 0 115,073 109.906 'NEf INCOME I iexpENDtTUREI 509 9.972 1 UNREAUSED GAIN I ILOSSI ON INVESTMENTS 1131 19 BALANCES BROUGiif FORWARDAT 1 31st Deeeinber 2024 94.277 27.226 121.503 111,S12 BAL4NCÉS CARRIED FORWARD AT 31st Docernb•r 2025 94,786 27213 121,999 121,$03

ST WKf8 WEST140RWOOD PCC YEAR ENDING31.12,25 NOTESTOTHE FINANCIALSTATEMENTS FOR THE YEAR ENDING31.12.25 1. ACCOUNTING POLICIES BASISOF FINANCIALSTATEMENTS The financial statements have been prepared under the Charities Act 2011, and in accordance with the Statement of Recommended Practice on Accounting and Reporting by Charities {FRS102) 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 investment assets 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 f unds that rnust be spent on restricted purposes and details of the funds held and restrictions are provided in notes 8 and 9. There are no Endowment funds held. INCOMEANDENDOWMENTS 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.

ST WKE$l￿ NORWOODPCC YEAR ENDINO 31.IZ25 Grants and legacies to the PCC are accounted for as soon 8S the PCC is notified of its legal entiilement, 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 activilies 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 and10sses 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 Spinnaker Trust Church Mission Society Release International London City Mission (Operation Forgiveness) Activities directly relating to the work of the Church The diocesan parish share is accounted for when due. 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 Icl of 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

STWKE7VIEsTIIORW￿pCC YEAR ENDIIIG 31.1225 consecrated or beneficed buildings and the repair of movable church furnishings is written off. Other property The properly at12 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 arKI fittings and office equipment The sound system and projector used within church premises is dep￿Ciated on straight line basis over10 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 FIXEDASSETS Sound Furnbture & System Equiprn•nt Totsl al 1st January 2025 Revaluabon Additons at 31st Oecemtq 2025 16,620 9.799 9,889 36,308 16,620 9,799 9,889 36,308 DEPRECLITION al 1st January 2025 Charge for the year at 31st Cecémber2025 9.799 9,889 19,688 9,799 9.889 19,688 BOOK VALUE al 31st c￿erter2025 at 3151 Oewber2024 16.620 16.620 16.620

STWKE'SWESTNORWOODPCC YEAR ENDIN031.1225 3. INVESTMENTS Held In trust.. Ni)rnlnil Valu• Mkt Val. Hennetta Aikins Mrs. M. Pa￿1n80n 3.SO'A Conversion slcck Charin¢o Iln¢oTnel 52 460 512, 324 473 525. 35 547, 4. DEBTORS 2024 Ineome lax recoverable Otherdeblors 38,272, 5,770 9,886 20,942 44,042, 5. LIABILITIES FALLING DUE WITHIN ONE YEAR 2025 2024 Rental received in advance Foodbank Accrued exFen8e5 1,5001 1,500, 920 3,611 2,711 6,031

8TWKE'SWEST NORWOOD PCC YEAR ENDINO 31.1125 6. STAFF COSTS 2024 Salaries and N.1. Pension costs 16,289 17,383 17,733 During the year the PCC employed a church administrator and a cleaner. Nobody earned more than £60,000 per annum 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 IPBSI within the Church Workers Pension Fund. The PBS is 8dministered 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 are held separately 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 Standard102. 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 to the SOFA in the year are the contributions payable12025 £1444.32, 2024 £1,444.32). St Luke's (West Norwood) PCC had one active member and three deferred members in the PBS at 31 December 2025.

ST LUKE%WE8T NORw0￿p¢¢ YEAR ENDINO 31,1225 7. MOVEMENT IN FUNDS The Unreslnd•i fvnd$ comprise Ihe f0lb￿"n9.. 8alan¢• ai at Oi Inc(n• & Éxpondlturn Jan.25-ndoMMnts lance aJ•t31 Surplu General Fund 94.277 94,277 115.073 115,073 509 509 94,786, 94,786 115,582 The ReStri￿d fvftds comprise the follmng.. BalaK• a8 at 01 Income & Expgndtturn I JaNw25thdoTronts Balance a8at31 Surplu81 IDeflcttl Investment Trust FuTrJ Trust Fund 12 Chestnut Ro Other Restrda Funds 13 -13 18,620 10,046 27,226, 16,6201 10,046 27.213, 13 -13 Total movoment of lunds 121103 11S.$82 115,086 121.999 8. FUND DEfAILS Unrestricted Funds General Fund Capital Improvements Fund Used fvrall generl r￿ipts •J exFthliture. A reserve for fvture maint￿¥nO ofthe buldings. and for rnai)r wth whid) neJs to be carried oijt on the thurch. Restricted Funds 12 Chesthul Road This refi￿ the investrwl in the al hisiorical cost InvesfvnlTrust Fund ,Thi5 reffi￿ts the market value of invesbMts held in trust for the benefft of the church. Other Restricted Funds This ks the net brKe of nbmey for sttof¢ projects not yet SFent Balan¢• Balanc• as at 01 | In¢orne & EXP￿d￿re SuWusl as at 31 ID•fKitl DK-25 Children l young peop Ptojector Rotes Project Vicarfs DiScre￿nary Fund Various 1,740, 1,740 3.854 1.483 1.817 1.152 10.046 1,817 1,152 10.046

YEARENDING31.1125 9. INCOMEAND ENDOWMENTS UnrnAtrkt•d R••trktsd Fun TOTAL FUNDS TOTAL 2024. 91al Incoming resources irorn dor Planned gwing InconE t3x reCoVe￿j on gfft aAJ Tele￿rn aenal in¢orne General colbons Grants 43,4101 5,719, 40,697 10,223 24,265 1,117, S.719 813 69,874 69,874 77,803 91bl Incorr from church Rental incorne- church halL8 Fees forweddings and fiJneraL8 21,608 22,195,, 1,829 3,243 24.851 24,851 24,024, 91cl InCOw￿ from invesknents Rental income- 12 chestn￿ Road Dividends and inteiest 18,L 18,000 24 24 18.024 18,051 91dl Other income Insurance Ckim 2,833 2.833 TOTAL INCOME AND ENDOWMEiirs 115.582 115.582 119,878.

STWKE? WEST NORWOOD PCC YUR ENDIN031.12.25 10. EXPENDITURE Unr•8trl¢tsd R••trlclod Funds Fund# FUNDS 2015 FUNDS 2024 110lal MISS￿nary and charitable giving erseas Link Intemat'onal Release Intematy'onal Ilrnts'azl 1,0001 2,400 2,41JO 2.400 London City Mis￿on The SpinnakerTrusl NoNood & Brixton Foodbank 498 2.400 996 920 8,698 8,698 | 10,116 10lbl Actiwties directty related to the work of the thurch Ministry.. di¢xesan parish share clergy expenses Church running expenses Churth maintenan¢e Hall maintenance Wages & salaries & N.1 Pension Administration costs Fees Independent examinerfs fee Ministy and worship expense$ Major works- Church Major works- Church Hall Major works. Tree 35,010 420 29,608 11,757 35,010 32,504 420 29,608, 11.7571 5,913 1,010 15,939 1,444 15,9391 346 1,018 350, 148 7,C62 6,607,, 474,, 4741 211 2,857,, 2,857 106,375,, 106,375 99,6301 10lcl Cost of generating fijnds maintenan￿ and rnanagement ofrentsl property 160 160 TOTAL EXPENDITURE 115.073 115,073 109,906,

ST WKE%WE87 NORWOOD PCC YEAR ENDIN031.IZ25 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.

FINANCIAL STATEMENTS FOR THEYEAR ENDING 31.1225 THEPAROCHIALCHURCH COUNCILOFTHE ECCLESIASTICAL PARISHOFST LUKE'S(LAMBETH) REGISTEREDCHARITY NO:1138272

STWKET WEST NORIIY)OD PCC YEAR ENDIN031.1125 GENERAL INFORMATION Incumbent: Revd Donald Davis St Luke's Church Knights Hill London SE27 OHS Bank: Barclays Bank UK plc Leicester LE87 2BB Independent Examiner: Simon Lewcock FCCA Windsor Lodge Millfield Road Hounslow TW4 5PN

ST LUKEI WESTNORWOOO PCC YEAR EIIDIN031.1225 INDEPENDENT EXAMINER'S REPORTON THE ACCOUNTS FOR THEYEAR ENDED 31 DECEMBER 2025 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 2025, which are set out att8ched to the report, is in respect of an examination carried out under the Church Accounting Regulations 2006 ('the Regulations) and the Charities Act 2011 I'the Act'l. 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 section144(2) of the Act and that an independent examination is needed. It is my responsibility to: examine the accounts under section145 of the 2011 Act,. follow the procedures laid down in the General Directions given by the Charity Commission under ￿¢tion145(5)(bI 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: to keep accounting records in accordance with section130 of the 2011 Act,. and 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

ST WKE% WEST NORWOOD PCC YEAR ENDIN031,12.25 not been met; or (21 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 TW4 5PN

STWKE%WE8T NORWOOD PCC YEAR ENDIN031.1215 BALANCESHEET ASAT31.12.25 Notej 2025 2024 FIXED ASSETS Tangible Fixed Assets InvestmenlAssets 16,620 560 17,180 547 17,167, CURRENT ASSETS Debto CBF Depos Cash al Bank and in Hand 20,942 92 88.929 109,963, 44,042 88 66,2241 110,354 LIABILITIES..AMOUNTS FALLING DUE ￿￿THIN ONE YEAR 5,131 6,031, NEf CURRENT ASSETS 1Q4,832 104,323 NET ASSErs 121,999 121,503 FUNDS Unresthcted Restricted 94.786 94.277 27.226 121,999 121.503 Approved by the Parochial Church Council on13 April 2026 Revd D Davis Vicar, St Luke's Church, West Norwood

ST LUKE%WEsf NORWr￿PCc YEAR ENDING31.1225 STATEMENTOFFINANCIALACTIVITIES FOR THE YEAR ENDING31.12.25 Unrethctsd TOTAL TOTAL Fund• Fund$ FUNDS, FUNDS 2025 INCOME AND ENDOWMENTS Income from donors 191al 69,874 0 | 69,874 77,803 Incon￿ from church ac1v￿e$ 24.851 24.851 24,￿24 1 Income from investrwts ', 9(cl 18,024 18,024 18,051 Othef ir 9(d) 2,833 2,833 1 TOTAL INCOME AND ENDOIYMENTS 115W2 0 115,582 119,878 EXPENDITURE Missionary and charitabk gmrvj 10tal 8,698 8,698 1 10,116 Acbvthes directy ￿llted to thework ofthethurth l￿bI 1C6.375 0 1C6,375 ' 99,630 . Costofgener*ng fvnds 101cl 160 TOTAL EXPENDITURE 115,073 0 115,073 109.906 'NEf INCOME I iexpENDtTUREI 509 9.972 1 UNREAUSED GAIN I ILOSSI ON INVESTMENTS 1131 19 BALANCES BROUGiif FORWARDAT 1 31st Deeeinber 2024 94.277 27.226 121.503 111,S12 BAL4NCÉS CARRIED FORWARD AT 31st Docernb•r 2025 94,786 27213 121,999 121,$03

ST WKf8 WEST140RWOOD PCC YEAR ENDING31.12,25 NOTESTOTHE FINANCIALSTATEMENTS FOR THE YEAR ENDING31.12.25 1. ACCOUNTING POLICIES BASISOF FINANCIALSTATEMENTS The financial statements have been prepared under the Charities Act 2011, and in accordance with the Statement of Recommended Practice on Accounting and Reporting by Charities {FRS102) 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 investment assets 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 f unds that rnust be spent on restricted purposes and details of the funds held and restrictions are provided in notes 8 and 9. There are no Endowment funds held. INCOMEANDENDOWMENTS 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.

ST WKE$l￿ NORWOODPCC YEAR ENDINO 31.IZ25 Grants and legacies to the PCC are accounted for as soon 8S the PCC is notified of its legal entiilement, 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 activilies 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 and10sses 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 Spinnaker Trust Church Mission Society Release International London City Mission (Operation Forgiveness) Activities directly relating to the work of the Church The diocesan parish share is accounted for when due. 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 Icl of 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

STWKE7VIEsTIIORW￿pCC YEAR ENDIIIG 31.1225 consecrated or beneficed buildings and the repair of movable church furnishings is written off. Other property The properly at12 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 arKI fittings and office equipment The sound system and projector used within church premises is dep￿Ciated on straight line basis over10 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 FIXEDASSETS Sound Furnbture & System Equiprn•nt Totsl al 1st January 2025 Revaluabon Additons at 31st Oecemtq 2025 16,620 9.799 9,889 36,308 16,620 9,799 9,889 36,308 DEPRECLITION al 1st January 2025 Charge for the year at 31st Cecémber2025 9.799 9,889 19,688 9,799 9.889 19,688 BOOK VALUE al 31st c￿erter2025 at 3151 Oewber2024 16.620 16.620 16.620

STWKE'SWESTNORWOODPCC YEAR ENDIN031.1225 3. INVESTMENTS Held In trust.. Ni)rnlnil Valu• Mkt Val. Hennetta Aikins Mrs. M. Pa￿1n80n 3.SO'A Conversion slcck Charin¢o Iln¢oTnel 52 460 512, 324 473 525. 35 547, 4. DEBTORS 2024 Ineome lax recoverable Otherdeblors 38,272, 5,770 9,886 20,942 44,042, 5. LIABILITIES FALLING DUE WITHIN ONE YEAR 2025 2024 Rental received in advance Foodbank Accrued exFen8e5 1,5001 1,500, 920 3,611 2,711 6,031

8TWKE'SWEST NORWOOD PCC YEAR ENDINO 31.1125 6. STAFF COSTS 2024 Salaries and N.1. Pension costs 16,289 17,383 17,733 During the year the PCC employed a church administrator and a cleaner. Nobody earned more than £60,000 per annum 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 IPBSI within the Church Workers Pension Fund. The PBS is 8dministered 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 are held separately 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 Standard102. 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 to the SOFA in the year are the contributions payable12025 £1444.32, 2024 £1,444.32). St Luke's (West Norwood) PCC had one active member and three deferred members in the PBS at 31 December 2025.

ST LUKE%WE8T NORw0￿p¢¢ YEAR ENDINO 31,1225 7. MOVEMENT IN FUNDS The Unreslnd•i fvnd$ comprise Ihe f0lb￿"n9.. 8alan¢• ai at Oi Inc(n• & Éxpondlturn Jan.25-ndoMMnts lance aJ•t31 Surplu General Fund 94.277 94,277 115.073 115,073 509 509 94,786, 94,786 115,582 The ReStri￿d fvftds comprise the follmng.. BalaK• a8 at 01 Income & Expgndtturn I JaNw25thdoTronts Balance a8at31 Surplu81 IDeflcttl Investment Trust FuTrJ Trust Fund 12 Chestnut Ro Other Restrda Funds 13 -13 18,620 10,046 27,226, 16,6201 10,046 27.213, 13 -13 Total movoment of lunds 121103 11S.$82 115,086 121.999 8. FUND DEfAILS Unrestricted Funds General Fund Capital Improvements Fund Used fvrall generl r￿ipts •J exFthliture. A reserve for fvture maint￿¥nO ofthe buldings. and for rnai)r wth whid) neJs to be carried oijt on the thurch. Restricted Funds 12 Chesthul Road This refi￿ the investrwl in the al hisiorical cost InvesfvnlTrust Fund ,Thi5 reffi￿ts the market value of invesbMts held in trust for the benefft of the church. Other Restricted Funds This ks the net brKe of nbmey for sttof¢ projects not yet SFent Balan¢• Balanc• as at 01 | In¢orne & EXP￿d￿re SuWusl as at 31 ID•fKitl DK-25 Children l young peop Ptojector Rotes Project Vicarfs DiScre￿nary Fund Various 1,740, 1,740 3.854 1.483 1.817 1.152 10.046 1,817 1,152 10.046

YEARENDING31.1125 9. INCOMEAND ENDOWMENTS UnrnAtrkt•d R••trktsd Fun TOTAL FUNDS TOTAL 2024. 91al Incoming resources irorn dor Planned gwing InconE t3x reCoVe￿j on gfft aAJ Tele￿rn aenal in¢orne General colbons Grants 43,4101 5,719, 40,697 10,223 24,265 1,117, S.719 813 69,874 69,874 77,803 91bl Incorr from church Rental incorne- church halL8 Fees forweddings and fiJneraL8 21,608 22,195,, 1,829 3,243 24.851 24,851 24,024, 91cl InCOw￿ from invesknents Rental income- 12 chestn￿ Road Dividends and inteiest 18,L 18,000 24 24 18.024 18,051 91dl Other income Insurance Ckim 2,833 2.833 TOTAL INCOME AND ENDOWMEiirs 115.582 115.582 119,878.

STWKE? WEST NORWOOD PCC YUR ENDIN031.12.25 10. EXPENDITURE Unr•8trl¢tsd R••trlclod Funds Fund# FUNDS 2015 FUNDS 2024 110lal MISS￿nary and charitable giving erseas Link Intemat'onal Release Intematy'onal Ilrnts'azl 1,0001 2,400 2,41JO 2.400 London City Mis￿on The SpinnakerTrusl NoNood & Brixton Foodbank 498 2.400 996 920 8,698 8,698 | 10,116 10lbl Actiwties directty related to the work of the thurch Ministry.. di¢xesan parish share clergy expenses Church running expenses Churth maintenan¢e Hall maintenance Wages & salaries & N.1 Pension Administration costs Fees Independent examinerfs fee Ministy and worship expense$ Major works- Church Major works- Church Hall Major works. Tree 35,010 420 29,608 11,757 35,010 32,504 420 29,608, 11.7571 5,913 1,010 15,939 1,444 15,9391 346 1,018 350, 148 7,C62 6,607,, 474,, 4741 211 2,857,, 2,857 106,375,, 106,375 99,6301 10lcl Cost of generating fijnds maintenan￿ and rnanagement ofrentsl property 160 160 TOTAL EXPENDITURE 115.073 115,073 109,906,

ST WKE%WE87 NORWOOD PCC YEAR ENDIN031.IZ25 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.