**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. 

- 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 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. 

## **Page 1** 



**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: 

- To go and make disciples of all nations. 

- To baptise them in the name of the Father, the Son and the Holy Spirit. 

- 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. 

- 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. 

- To serve one another and those we meet, together, in the power of the Holy Spirit and in Jesus’ name. 

- 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. 

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 

**Page 2** 



**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 

## **Page 3** 



**S** 

**Q** 

**O I A C L U B** 

**E** 

**U** 

# **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** 

**4** 



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
JaNw25thdo*Tronts
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) ne*Js 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 b*rKe 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 col*bons
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
JaNw25thdo*Tronts
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) ne*Js 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 b*rKe 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 col*bons
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.