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2024-06-30-accounts

Annual Report & Accounts Year Ended - 30th June 2024 CALVARY CAMBRIDGE to live is Christ

Calvary Chapel Cambridge Limited

Annual Report and Accounts

Year Ended 30th June 2024

Objectives and Achievements .............................................................................................................. 2 Financial Review .................................................................................................................................... 3 Plans For Future Periods ...................................................................................................................... 4 Structure, Governance and Management ........................................................................................... 4 Reference and Administrative Details ................................................................................................. 6 Statement of Financial Activities ......................................................................................................... 7 Balance Sheet......................................................................................................................................... 8 Summary Income and Expenditure Account ...................................................................................... 9 Notes to the Financial Statements ..................................................................................................... 10 1. Accounting Policies ....................................................................................................................... 10 2. Analysis of Income ........................................................................................................................ 12 3. Donated Goods, Facilities and Services ....................................................................................... 12 4. Analysis of Expenditure on Charitable Activities ........................................................................... 13 5. Trustee Expenses .......................................................................................................................... 14 6. Independent Examination .............................................................................................................. 14 7. Grant Making Activities .................................................................................................................. 15 8. Staff Costs, Employee Benefits and Trustee Remuneration ......................................................... 16 9. Fixed Assets .................................................................................................................................. 17 10. Debtors ........................................................................................................................................ 18 11. Creditors ...................................................................................................................................... 18 12. Summary of the Assets and Liabilities of each Category of Fund .............................................. 19 13. Movement In Funds ..................................................................................................................... 20 14. Related Party Transactions ......................................................................................................... 21

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Objectives and Achievements

Objects of the Charity

The Charity’s Objects (the Objects) are the advancement of Christianity for the benefit of the public in accordance with the following:

As we have opportunity, to do good to all, especially to those who are of the household of faith (Galatians 6:10).

Activities of the Charity

As a church we meet regularly on a Sunday morning, where we gather as a body of believers to worship, pray and hear the bible taught line by line. Mid-week, we meet on a Wednesday night for alternating Bible story with a time of prayer and worship. Both men and women meet once a month for a time of fellowship. As a ministry we support charities, both nationally and internationally for example: Christian concern and new foundations. We have looked to engage the local community through outreach at Christmas and Easter. Through door-to-door leaflet dropping and engaging in conversation. We continue to pray for more open doors and opportunities to impact the local community.

Achievements and Performance, Year Ended 30[th] June 2024

In the autumn of 2023 builders began work on North Arbury Chapel. This was the culmination of months of planning to help aid and support the growth of the church. The builders knocked through two small office spaces and converted the new room into a childr en’s room. This has mean that each Sunday we now have the space and capacity for a creche plus two different aged classes. Alongside the building work we have also employed a Children’s and youth worker. She began work in January of this year and has provi ded both structure and vision to this area of the ministry.

In September 2023 we hosted a conference that was focused on the ‘Church going forward’. It was an incredibly successful day with close to 100 attendees from all over the country. We had guest speakers from the UK and the USA. We had intended to do this conference annually; however, this has been postponed due to business and workload.

As a church we continue to meet the needs of all kinds of people and families across Cambridgeshire by providing a Christian, Bible teaching church that meets every Sunday morning. We desire to be a place where people come together to worship, pray, study the Bible and fellowship together as a loving community. We continue to have a very active online community with a large ‘virtual congregation’ who login to our sermons on a regular basis, it is always exciting to hear back or even meet these people in person.

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

The church has continued to grow both in numbers but also in depth of spirituality. We seem to rely on word of mouth as our online presence for new attendees, but this has led to some people committing to a life following Jesus and being baptised as a public demonstration of their faith. With this growth our children’s ministry has swelled and one class has turned into two with an additional creche. The growth of a children’s group has now led there to being a need for a group for our teenagers. We are looking into starting a youth group in Autumn of 2024.

Our Sunday morning teaching is split between Lead Pastor James Peat, Pastor Andy Higgins, and James Gardner. This year we have returned to teaching week by week, looking at topical messages taught verse-by-verse from the Bible. Each of the men who teach look to the Bible and the Holy Spirit for inspiration. The Bible is taught in context, line by line in a way that is applicable to the hearer. We hear back from many new members of the congregation that this style of teaching is one of the reasons they come back.

– As a church we meet mid-week for alternate Bible study prayer/worship evenings. These nights continue to be beneficial for building relationships and strengthening the faith of those who attend Calvary Cambridge. Alongside this we extend our services once a month to have a meal together. A time where the church body could get together for an extended time of fellowship.

As a church we regularly support several Charites both nationally and globally. These include Christian concern who work with the persecuted church. New foundations who do medical care and support in the Niger Delta. Open doors who represent the furthering of the gospel in many countries globally.

Financial Review

Financial Position

This year we received one final gift from North Arbury Fellowship, this has been put towards much of the building works and also towards the contract of a part-time worker.

Our giving has plateaued with no real increase or decrease as the size of the church has not changed dramatically in the past 12 months.

The Charity’s primary source of funds is from free -will offerings received from those regularly attending the Sunday services as well as various other supporters to the objectives of the Charity.

As a board of trustees we are confident with the financial stability of the charity.

Reserves Policy

Keeping in line with the Charity’s future plans it has a policy to hold sufficient reserves to be able to respond in a timely manner to any opportunity presented that would allow the Charity to achieve those plans. Current reserves are minimal for meeting such possible opportunities.

The Charity has an amount of reserves, of which its value must be available as a liquid asset at all times. These reserves are equal to 3 months of average total expenditure.

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Spending and Reimbursement Policy

All money spent from an individual’s personal bank account, with the intention of being reimbursed by the church, must either be by a trustee, or under the direction of/agreed by a trustee. If a trustee is planning to spend over £1,000 for the charity, this must also be approved by at least one other trustee.

Grant Making Policy

Gifts to external organisations and individuals are considered by the Trustees on the basis of need and fulfilment of the charitable activities. There are no upper or lower limits of support.

Principal Sources of Funding

The charity’s principal source of funds is from voluntary donations received from those regularly attending the Sunday services as well as various other supporters of the objectives of the charity.

Plans For Future Periods

As a church coming into the next year, we are aiming to focus at consistency and continuity. With a structured timetable of Sunday mornings, Wednesday nights, men’s/women’s meetings we intend to grow by simply doing what we are doing well.

This coming September we are looking to start a youth group at the church. A group that will be aimed at 11 – 17-year-olds. This purpose of this group will be to intentionally disciple them in their Christian faith. With a growing Children’s and youth minist ry we are looking forward to the consistency of running both Sunday morning and Friday night activities.

With the successful appointment of a Children’s and youth worker we continue to look at how we can expand in these areas. With ideas of toddlers group and home-schooling co-ops we are hopeful that more can be done in the future to expand the work of Calvary Chapel Cambridge.

Structure, Governance and Management

The charity currently has 5 trustees who oversee and monitor significant financial transactions, such as building work, larger pieces of sound/media equipment. Contracts and pay is decided upon by the board of trustees as a collective.

In terms of the day to day running of the Charity this is overseen by the Lead Pastor, James Peat. The full leadership team consists of James Peat and Andy Higgins. As a leadership team they meet regularly to discuss short-term, mid-term and long-term goals. This is the current set up in terms of key roles within the charity:

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CALVARY CHAPEL CAMBRIDGE Annual Report- Year Ended 3d June 2024 Leed Pastor-J8mes Peat Pastor-Andy Higgins Church Administration- Anna Findeisen Men's ministr￿jaMeS PeatlAndy HIEgin8 Women's ministry- Chelsea Peat Children's end Youth worker-Anna Findeisen Back to table of contents

CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Reference and Administrative Details

Other Names: Calvary Chapel Cambridge Calvary Cambridge Trustees: James Peat (Chair) Andrew Higgins Shiralee Cornell Piers Cornell Iain Norman Pastors: James Peat (Chair) Andrew Higgins Governing Document: Memorandum and Articles Incorporated 19/04/2011 Registered Charity 1141624 Number: Company Number: 07609516 Charity Principal Address: North Arbury Chapel 54 Cameron Road Cambridge CB4 2LY Accounts Prepared By: Bliss Accounts

Declaration

The trustees declare that they have approved the trustees’ report above. Signed on behalf of the charity’s trustees:

James Peat (Chair)

Date: 27[th] October 2024

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Statement of Financial Activities

For the Year Ended 30[th] June 2024



Note
Income
Donations and Legacies
2
Charitable Activities
Other Trading Activities
Investments
2
Other Income
2
Total Income

Expenditure
Raising Funds
Charitable Activities
4-9
Total Expenditure

Net Income (Expenditure)
Transfers between Funds
Net Movement in Funds

Reconciliation of Funds
12-13
Total Funds b/fwd
Total Funds c/fwd
Unrestricted
Restricted
Total
Total
Funds
Funds
Funds
Funds
2024
2024
2024
2023
77,403
-
77,403
53,597
-
-
-
-
-
-
-
-
-
-
-
9
237
-
237
110
77,640
-
77,640
53,716
-
-
-
-
(72,354)
-
(72,354)
(69,658)
(72,354)
-
(72,354)
(69,658)
5,286
-
5,286
(15,942)
-
-
-
-
5,286
-
5,286
(15,942)
61,755
-
61,755
77,697
67,041
-
67,041
61,755

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Balance Sheet

At 30[th] June 2024

Note
Fixed Assets
Tangible Assets
9
Current Assets
Debtors
Cash in Bank and in Hand
Total Current Assets
Liabilities
Creditors: Amount falling
due within one year
11
Net Current Assets
Net Assets
The Funds of the Charity
12-13
Unrestricted Funds
Restricted Funds
Total Funds
3,855
54,881
2024
8,950
58,736
58,091
67,041
67,041
-
67,041
7,294
50,589
2023
4,833
57,883
56,922
(645) (961)
61,755
61,755
-
61,755

These Financial Statements were approved by the board of trustees and signed on their behalf on 27[th] October 2024

James Peat (Chair)

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Summary Income and Expenditure Account

For the Year Ended 30[th] June 2024

Income
Gains/(losses) on Investments
Interest and Investment Income
Gross Income in the Reporting Period
Expenditure
Interest Payable
Depreciation and charges for impairment of Fixed Assets
Total Expenditure in Reporting Period
Net Income (Expenditure) before tax
Tax Payable
Net Income (Expenditure) for the financial year
2024
77,640
-
-
77,640
(68,491)
-
(3,863)
(72,354)
5,286
-
5,286
2023
53,707
-
9
53,716
(66,727)
-
(2,932)
(69,659)
(15,943)
-
(15,943)

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements

For the Year Ended 31[st] Dec 2024

1. Accounting Policies

General Information

Calvary Chapel Cambridge Limited is a Charitable Company limited by guarantee registered in England and Wales. The registered charity number, company number and address of the charity is given in the charity information in the Reference and Administrative Details.

Statement of Compliance

The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice (SORP) applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019) and The Charities Act 2011.

Calvary Chapel Cambridge Limited is a Public Benefit Entity as defined by FRS 102.

Going Concern

The charity has a number of regular donors, giving the trustees reasonable confidence that sufficient funding will be secured beyond the current year. The trustees have assessed the level of funds held, in addition to the cash flow needs of the charity, concluding with confidence that it will be able to continue in its operation.

Fund Accounting Policies

The General Funds are not subject to any restrictions regarding their particular use and are available for applicable general purposes of the charity.

Designated funds comprise unrestricted funds that have been set aside by the trustees and earmarked for particular purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the church for particular purposes. The costs of raising and administering such funds are charged against the specific fund

Incoming Resources

All incoming resources are included in the Statement of Financial Activities (SoFA) when; the charity is legally entitled to the resources; the trustees are virtually certain they will receive the resources; and the monetary value can be measured with sufficient reliability.

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Expenditure and Liabilities

Liabilities are recognised as soon as there is a legal or constructive obligation committing the charity to pay out resources. It is probable that the paying out of resources will be required in settlement and the amount of the obligation can be measured reliability. The charity makes grants to individuals and other institutions to further its charitable objectives.

Governance costs of the charity are accurately recorded. These costs include those associated with preparation and examination of accounts, trustee meetings, trustee legal advice and expenditure incurred on the strategic management of the charity.

Fixed Assets

Tangible fixed assets which cost £500 or more and used for more than one year are capitalised.

They are valued at cost price or a reasonable value on receipt. Depreciation is calculated on tangible fixed assets using the Straight-Line Method: Fixtures, fittings and equipment: at 25% of the cost per year

Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered.

Judgements in Applying Accounting Policies

In the application of the church's accounting policies, the trustees are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered relevant. Actual results may differ from these estimates but are unlikely to be material.

Cash at Bank and In Hand

Cash at bank and in hand includes cash and short-term highly liquid investments with short maturity of three months or less from the date of acquisition or opening of the deposit or similar amount.

Financial Instruments

The church only has financial assets and financial liabilities of a kind that qualify as basic financial Instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

2. Analysis of Income

Donations and Legacies
Freewill Offerings
Tax Recoverable - Gift Aid


Charitable Activities
Merchandise and Resources
Sales

Investment Income
Bank Interest

Other Income
HMRC Gift Aid Interest
Paypal Euro Conversion Rate Discrepancy
Income on Disposals


Total
2024
Unrestricted
Restricted
Total
Funds
Funds
Funds
73,902
- 73,902
3,501
-
3,501
77,403
- 77,403
-
-
-
-
-
-
235
-
235
2
-
2
-
-
-
237
-
237
77,640
- 77,640
2023
Unrestricted
Restricted
Total
Funds
Funds
Funds
46,645
- 46,645
6,952
-
6,952
53,597
- 53,597
-
-
-
9
-
9
-
-
-
-
-
-
110
-
110
110
-
110
53,716
- 53,716

3. Donated Goods, Facilities and Services

Donated Goods
Donated Facilities
Number of Unpaid General Volunteers
Church Services - Hospitality
Church Services - Technical
Church Services - Kids Church
Church Services - Worship
Church Services - Women's Ministry
2024
£
-
-
-
8
2
5
2
3
20
2023
£
-
-
-
5
2
7
2
2
18

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

4. Analysis of Expenditure on Charitable Activities

Note
Mission and Ministry
Discipleship and Outreach
Conferences and Retreats
5
Honoraria
Hospitality, Supplies, Gifts
Employee Pay
8
Contractor Pay
Visa Costs
Employer NICs
8
Travel and Accommodation
5
Pastor Phone Costs
5
Grants
7
Property, Management and Administration
Building - Rent and Utilities
Office Space Payments
Building - Repairs, Upkeep, Minor Furnishings
Bank Charges and Paypal Fees
Insurance
IT, Media and Music
9
Depreciation Charges
Office Expenses and Postage
Accounting
Independent Examination
6
2024
Activities
Grant
Undertaken
Funding of
Support
Directly
Activities
Costs
Total
£
£
£
£
449
-
431
880
1,827
-
-
1,827
320
-
-
320
904
-
-
904
35,789
-
- 35,789
11,317
-
- 11,317
775
-
-
775
2,238
-
-
2,238
99
-
-
99
267
-
-
267
-
3,600
-
3,600
53,985
3,600
431
58,016
6,877
-
-
6,877
-
-
-
-
92
-
-
92
217
-
-
217
1,841
-
-
1,841
1,046
-
-
1,046
3,863
-
-
3,863
-
-
-
-
-
-
242
242
-
-
160
160
13,936
-
402
14,338
67,921
3,600
833
72,354
2023
Activities
Grant
Undertaken
Funding of
Support
Directly
Activities
Costs
Total
£
£
£
£
2,011
-
110
2,121
640
-
-
640
450
-
-
450
1,700
-
-
1,700
30,000
-
- 30,000
9,700
-
-
9,700
-
-
-
-
2,971
-
-
2,971
65
-
-
65
241
-
-
241
-
5,556
-
5,556
47,778
5,556
110
53,444
7,748
-
-
7,748
-
-
-
-
1,996
-
-
1,996
354
-
-
354
1,610
-
-
1,610
809
-
-
809
2,932
-
-
2,932
101
-
-
101
-
-
509
509
-
-
155
155
15,550
-
664
16,214
63,328
5,556
774
69,658

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

5. Trustee Expenses

No trustee was paid for their service as a trustee. The nature of expenses incurred were for: ministry, administrative and subsistence causes, exclusively and necessary for fulfilling the charity objects.

1 Trustees was paid expenses in the financial year ended 30[th] June 2024 1 Trustees was paid expenses in the financial year ended 30[th] June 2023

Trustee Expenses
Retreats and Conferences
Phone Contract
Petrol and Travel
2024
£
648
267
99
1,014
2023
£
640
241
65
946

6. Independent Examination

Independent Examiner Fees 2024
£
160
2023
£
155

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

7. Grant Making Activities

Grants Made to Institutions
New Foundations
Open Doors
Christian Concern
Asociatia Misionand Generatio de Maine

Grants Made to Individuals
Hardship and Benevolence
Total
2024
£
1,800
1,200
600
-
3,600
-
3,600
2023
£
2,850
1,200
600
205
4,855
701
5,556

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

8. Staff Costs, Employee Benefits and Trustee Remuneration

Average number of staff employed during the reporting period
Staff Costs and Employee Benefits
Wages and Salaries
Ministerial Staff Contractor Pay
Other Contractor Pay
Employer's Social Security Costs
Visa Costs
Employer's Contribution to Pension Schemes
Other Employee Benefits
2024
2
£
32,789
6,000
5,317
2,238
775
-
-
47,119
2023
1
£
30,000
6,000
3,700
2,971
-
-
-
42,671

By provision of the charity's Governing Document, in his capacity as pastor, J.Peat was remunerated £30,000 with £476 in personal expenses (£946 personal expenses in 2023). A.Higgins was remunerated £6,000 with £538 personal expenses (£582 personal expenses in 2023). These salary payments were in relation to their ministerial roles, and not their trustee roles. There were no pension contributions made.

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

9. Fixed Assets


Cost or Valuation
At 1st July 2023
Additions
Disposals
Revaluations
Transfers
At 30th June 2024

Depreciation and Impairments
At 1st July 2023
Disposals
Depreciation
Impairment
Transfers
At 30th June 2024

Net Book Value at 1st July 2023
Net Book Value at 30th June 2024
Fixtures, Fittings and
Equipment
Ministry
Building
Equipment
Improvements
£
£
14,441
971
-
7,980
-
-
-
-
-
-
14,441
8,951
(10,437)
(142)
-
-
(1,958)
(1,905)
-
-
-
-
(12,395)
(2,047)
4,004
829
2,046
6,904
Total
Ministry
Equipment
£
14,441
-
-
-
-
14,441
(10,437)
-
(1,958)
-
-
(12,395)
4,004
2,046
£
15,412
7,980
-
-
-
23,392
(10,579)
-
(3,863)
-
-
(14,442)
4,833
8,950

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

10. Debtors

Prepayments and Accrued Income
Insurance
Safeguarding
Other Debtors
HMRC Gift Aid
Total
1. Creditors
Accruals and Deferred Income
Accrued Utilities
Other Creditors
Accountancy Fees
Independent Examination
Tax owed to HMRC
Bank Charges
Total
2024
£
217
137
354
3,501
3,855
2024
£
407
75
160
3
-
238
645
2023
£
342
-
342
6,952
**7,294 **
2023
£
648
150
155
-
8
313
961

11. Creditors

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

12. Summary of the Assets and Liabilities of each Category of Fund

Tangible Fixed Assets
Intangible Assets
Current Assets
Debtors
Creditors: Amounts falling due within one year
Creditors: Amount falling due after more than one year
2024
Unrestricted
Restricted
Total
Funds
Funds
Funds
£
£
£
8,950
-
8,950
-
-
-
54,881
-
54,881
3,855
-
3,855
(645)
-
(645)
-
-
-
67,041
-
67,041
2023
Unrestricted
Restricted
Total
Funds
Funds
Funds
£
£
£
4,833
-
4,833
-
-
-
50,589
-
50,589
7,294
-
7,294
(961)
-
(961)
-
-
-
61,755
-
61,755

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

13. Movement In Funds

Unrestricted Funds
General Fund
Romanian Mission Fund
Total Funds
Fund Balances
Net
Fund Balances
Brought Forward
Income
Expenditure
Transfers
Carried Forward
£
£
£
£
£
61,755
77,640
(72,354)
-
67,041
-
-
-
-
-
61,755
77,640
(72,354)
-
67,041

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CALVARY CHAPEL CAMBRIDGE Annual Report – Year Ended 30[th] June 2024

Notes to the Financial Statements - Continued

14. Related Party Transactions

Income

Income from donations and legacies include £6,235 received from Trustees and Related Parties

Expenditure

Related party transactions are disclosed in note 5. 'Trustee Expenses' and note 8. 'Staff Costs, Employee Benefits and Trustees Remuneration'

In addition, C. Peat, a related party, was remunerated £3,600 in contractor pay.

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CHARITY COMMISSION FOR ENGLAND AND WALES Independent examiner's report on the accounts Section A Independent Examinerfs Report Report to the trusteesl members of Calvary Chapel Cambridge Ltd On accounts for the year ended 30. June 2024 Charity no (if any) 1141624 Set out on pages I report to the twstees on my examination of the accounts of the above charity I'the Trust") for the year ended 3010612024. Responsibilities and As the charity trustees of the Trust, you are responsible for the preparation basis of report of the accounts in accordance with the requiremenls ofthe Charities Act 2011 ("the Act.). I report in respect of my examination of the Trust's accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed the applicable Directions given by the Charity Commission under section 145151{b> of the Act. I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination which gives me ause to believe that in, any matenal respect.. accounting records were not kept in accordance with section 130 of the Act or the accounts do not accord with the accounting records Independent examiner's statement I have no concems and have come across no other matters in connection with the examination lo which attention should be drawn in order to enable a proper understanding oflhe accounts to be reached. le delete the words in Ihe brackets if they do not apply. Signed: Date: 25 March 2025 Name: Michelle Hook Relevant professional qualification(sl or body (if any): NIA Address: 35 Treeve Lane, Connor Downs, Hayle, Cornwall TR27 5DQ Section B Disclosure Only complete rf the examiner needs to highlight matters of concem (see CC32, Independent examination of charity accounts- directions and guidance for examiners). IER October 2018

Glve here brief details of any items that the ftxamlner wlshe8 to dlgclose. Nothing to report IER October 2018