REGISTERED COMPANY NUMBER: 07609516 (England and Wales)
REGisfERED CHAIUTY NUMBER: 1141624
Unaudited Financial Ststements for the Y&qr Ended 30 June 2025
for
IC brid eLimi
Anthew S Parker
16 Foundry Close
Halton
Lancaster
Lancashire
LA2 6FE

am
e Limi
ontents of the Financial Ststements
f r the Year Ended 30 J ne 2025
Page
Reference and Athninistrative Details
Report of the Trustees
2 to 5
Independent Examinerfs Report
Statement of Financial Activities
Balance Sheet
Notes to the Financial Statements
9 to 13
Detailed Statement of Financial Activities
14

11
is
Ine2
TRusfEES
A Higgins
J Peat
S Cornell
P Cornell
I Nornian
COMPANY SECRETARY
REGISTERED OFFICE
North Arbury Chapel
54 Cameron Road
Cambridge
CB4 2LY
REGISTERED COMPANY
NUMBER
07609516 (England and Wales)
REGISTERED CHARrrY
NUMBER
1141624
INDEPENDEf*T EXAMINER
Andrew S Parker
16 Foundry Close
Halton
Lancaster
Lancashire
LA2 6FE
PASTORS
James Peat (Chair)
Andrew Higgins
Page I

e Limite
for the Year Ended 30 June 202
The trustees who are also directots of the charity for the purposes of the Companies Act 2006, present their report with
the financial ststements of the charity for the year ended 30 June 2025. The trustees have adopted the provisions of
Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their
accounts in accA)rdance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)
(effective l January 2019).
OWEcfivES AND AcfIviTKES
Objectives and aims
The Charity's Objects (the Objects) are the advancement of Christianity for the benefit of the public in accordance with
the following:
To worship God the Father, Son and Holy Spirit;
b. To build up the Church of Jesus Chrisl in particular through the teaching and preaching of the Word of God (The
Bible);
c. To proclaim that men and women should repent and believe in Jesus Christ as Saviour and Lord;
As we have opportunity, to do good to all, especially to those who are of the household of faith (Galatians 6.10).
Significant activities
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 ministy we support charities, both
nationally and internationally for example: Christian Concern and New Foundations. We have looked to engage the local
LX)mmunity through outreach at Christmas and Easter. Through door-to-door leaflet dropping and engaging in
rA)nversation. We CA>ntinue to pray for more open doors and opportunities to impact the local
community.
Grantmaking policy
Gifts to external organisations and individuals are considered by the Trustees on the basis of need and fulfilment of the
charitsble activities. There are no upper or lower limits of support.
Page 2

e Limi
or
hey
nded 30 Jun
202
AcH￿VEMENrS AND PERFORMANCE
Achievements and perfornjance
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 n)om into a children's room. This has mean that each Sunday we now have the space and capacity for a crèche 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 provided both structure and vision to this area of the ministy.
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 county. We had guest speakers from the UK and the USA.
We had intended to do this ¢A)nference 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
christia￿ Bible teaching church that meets every Sunday morning. We desire to be a place where people cA>me together
to worship, pray, study the Bible and fellowship together as a loving CA)mmunity. We continue to have a very active
online community with a large 'virtual Lx)ngregation' who login to our sernions on a regular basi& it is always exciting to
hear back or even meet these people in person.
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 cA)mmitting to a life following Jesus and being
baptised &s a public demonstration of their faith. With this growth our children's ministy has swelled and one class has
turned into two with an additional crèche. 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 Peal 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 inspirdtion. The Bible is taught in contexl line by line in a
way that is applicable to the hearer. We hear back from many new members of the rA)ngregation that this style of
teaching is one of the reasons they ￿rne 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 Delt& Open Doors
who represent the furthering of the gospel in many countries globally.
FINANCIAL REVIEW
Financial position
This year we received one fmal gift from North Arbury Fellowship, this has been put towards much of the building
works and also towards the cA)ntTact 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
seThices as well as various other supporters to the objectives of the Charity.
As a board of trustees we are CA)nfident with the financial stability of the charity.
Principal funding sources
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.
Spending 2nd reimbursement policy
All money spent from an individual's personal bank accoun( 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.
R&serves 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 &s a liquid asset at all times. These reserves
are equal to 3 months of average total expenditure.
Page 3

11
FINANCIAL REVIEW
Principal sources of funding
The charity's principal source of funds is from voluntary donations received fiDm those regularly attending the Sunday
services as well as various other supporters of the objectives of the charity.
FUTURE PLANS
As a church coming into the next year, we are aiming to focus at consistency and cA)ntinuity. With a structured timetable
of Sunday mornings, Wednesday nights. men,￿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
l1-17-year￿lds. This purpose of this group will be to intentionally disciple them in their Christian faith. With a growing
Children's and youth ministy we are looking forward to the consistency of running both Sunday morning and Friday
night activities.
With the successful appointment of a Chlldren's and youth worker we continue to look at how we can expand in these
are&s. With ideas of toddlers group and home-schooling co￿pS we are hopeful that more can be done in the futUfE to
expand the work of Calvary Chapel Cambridge.
srRucfuRE, GOVERNANCE AND MANAGEMENr
Governing document
Memorandum and Articles Incorporated 19104/2011.
Organisational structure
The charity currently has 5 trustees who oversee and monitor significant financial transactions, such as building worK
larger pieces of soun(Vmedia equipmenL Contracts and pay is decided upon by the board of trustees as a collective.
In ternis of the day to day nll￿1ng 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-terni, mid-tern]
and long-tenn goals. This is the current set up in tern]s of key roles within the charity:
srATEMEwf OF TRUSTEES, RESPONSIBILrrIES
The trustees (who are also the directors of Calvary Chapel Cambridge Limited for the purposes of company law) are
responsible for preparing the Report of the Trustees and the financial ststements in accordance with applicable law and
United Kingdom Accounting Standards (United Kingdom Generally Accepted AcLounting Practice).
Company law requires the trustees to prepare financial statements for each financial year. Under that law, the trustees
have elected to prepare the financial statements in a￿OrdanCe with United Kingdom Genernlly Accepted Accounting
Practice (United Kingdom Accounting Standards and applicable law).
Under company law the trustees must not approve the financial statements unless they are satisfied that they give a true
and fair view of the stste of affaiz5 of the charitsble Lx)mpany and of the incoming resources and application of
resources, including the An￿rne and expenditure, of the charitable company for that period. In preparing those financial
statements, the trustees are required to
select suitsble accounting policies and then apply them consistently;
observe the methods and principles in the Charities SORP;
make judgements and estimates that are reasonable and prudenL
prepare the financial statements on the going concern b&sis unless it is inappropriate to presume that the charitable
ex)mpany WAII continue in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable accurncy at any time
the financial position of the charitable CA)mpany and to enable them to ensure that the financial statements comply with
the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable CA)mpany and hence for
taking reasonable steps for the prevention and detection of fraud and other irregularities.
Approved by order of the board of trustees on I l March 2026 and signed on its behalf by:
Page 4

Cha
Cambrid e Limited
e Trus
Ended 30 June 2025
J Peat - Trustee
Page 5

nde
ent
Cha
xami
he Trust
ambrid e Limited
sof
Independent examiner's report to the trustees of Calvary Chapel Cambridge Limited ('the Company,)
I report to the charity trustees on my examination of the aceA)unts of the Company for the year ended 30 June 2025.
Responsibilities and basis of report
As the charity's tn￿eeS of the Company (and also its directo￿ for the purposes of company law) you are responsible for
the preparation of the a￿OUnts in aC￿rdance with the requirements of the Companies Act 2006 (Ihe 2006 Act,).
Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act
and are eligible for independent examinatio￿ I report in respect of my examination of your charity's ac￿Unts as carried
out under Section 145 of the Charities Act 2011 (Ihe 2011 ACV). In carrying out my examination I have follow￿ the
Directions given by the Charity Commission under Section 145(5) (b) of the 201 l Act.
Independent examiner's ststement
I have ￿Mpleted my examination. I confirn] that no matters have come to my attention in ￿)nnectIOn with the
examination giving me cause to believe:
accounting re￿rdS were not kept in respect of the Company as required by Section 386 of the 2006 ACL. or
the a￿OUnts do not accord with those records; or
the accounts do not comply with the aC￿Unting requirements of Section 396 of the 2006 Act other than any
requirement that the accounts give a true and fair view which is not a matter CA)nsidered &s part of an independent
examination; or
the accounts have not been prepared in accordance with the methods and principles of the Statement of
Recommended Practice for accounting and reporting by charities (applicable to charities preparing their ac￿Unts
in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)).
I have no concerns and have come across no other matters in connection with the examination to which attention should
be drawn in this report in order to enable a proper understanding of the ac￿)Unts to be reached.
Andrew S Parker FCA
Andrew S Parker
16 Foundry Close
Halton
Lan￿ter
LA2 6FE
I l March 2026
Page 6

Calv
rid e Limited
tement f Fin
nde
cial
vi
25
30.625
30.6.24
Totsl
funds
fund
Notes
INCOME AND ENDOWMENfs FROM
Donations and legacies
60,693
77,403
Other income
235
Totsl
60.693
77,638
EXPENDITURE ON
Charitable activiti
Mission and Ministy
Propety management and administration
59,939
13JOO
58,016
14J36
Totsl
73239
72,352
NET INCOMW(EXPENDITURE)
(12,546)
5286
RECONCILIATION OF FUNDS
Total funds brought forward
67.041
61,755
TOTAL FUNDS CARRtED FORWARD
54,495
67.041
The notes forn] part of these financial statements
Page 7

brid e Limit
30.6.25
Unrestricted
fund
30.6.24
Total
funds
FIXED ASSETS
Tangible assets
Notes
4,997
8,950
CURRE]Yr ASSETS
Debtors
Cash in hand
4,088
45,645
3,855
54,881
49,733
58,736
CREDrroRS
Amounts falling due within one year
(235)
(645)
NET CURREwf ASSETS
49,498
58,091
TOTAL ASSETS LESS CURRENr
LIABILITIES
54.495
67.041
NET ASSETS
54,495
67,041
10
Unrestricted funds
54,495
67,041
TOTAL FUNDS
54,495
67,041
The charitable company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year
ended 30 June 2025.
The members have not required the company to obtain an audit of its financial statements for the year ended
30 June 2025 in accordance with Section 476 of the Companies Act 2006.
The trustees acknowledge their responsibilities for
(a)
ensuring that the charitable company keeps accounting records that comply with Sections 386 and 387 of the
Companies Act 2006 and
preparing financial statements which give a true and fair view of the state of affairs of the charitable LX)mpany as
at the end of each financial year and of its surplus or deficit for each financial year in accordance with the
requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act
2006 relating to financial statements. so far as applicable to the charitable company.
(b)
These financial statements have been prepared in accordance with the provisions applicable to charitable cA)mpanies
subject to the small companies regime.
The financial statements were approved by the Board of Trustees and authorised for issue on I l March 2026 and were
signed on its behalf by:
ZZ 5-z6
J Peat - Trustee
The notes form part of these financial statements
Page 8

e Finan
AccouNfiNG POLICIES
Basis of preparing the financial ststements
The financial statements of the charitsble company, which is a public benefit entity under FRS 102, have been
prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Ststement
of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial
Reporting Standard appliLxble in the UK and Republic of Ireland (FRS 102) (effective l January 2019),,
Financial Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of
Ireland, and the Companies Act 2006. The financial statements have been prepared under the historical cost
convention.
Income
All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it
is probable that the income will be reL%ived and the amount can be measured reliably.
Expenditure
Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the
charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and
the amount of the obligation can be measured reliably. Expenditure is aC￿Unted for on an accruals basis and has
been classified under headings that aggregate all fA)St related to the category. Where costs cannot be directly
attributed to particular headings they have been allocated to activities on a basis consistent with the use of
Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but
not accrued as expenditure.
TaDgible r￿ed assets
Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful
life.
Improvements to property
Plant and machinery
25 % on cx)st
25 % on cost
Taxation
The charity is exempt from corporation tax on its charitable activities.
Fund accounting
Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.
Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions
arise when specified by the donor or when funds are raised for particular restricted purposes.
Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.
NET INCOMEI(EXPENDrruRE)
Net income/(expenditure) is stated after chargin￿(CredIting).
30.6.25
30.6.24
Depreciation - owned assets
3,953
3,863
Page 9
continued...

une
TRUSTEES, REMUNERATION AND BENEFITS
There were no trustees, remuneration or other benefits for the year ended 30 June 2025 nor for the year ended
30 June 2024.
Trustees, expenses
There were no trustees, expenses paid for the year ended 30 June 2025 nor for the year ended 30 June 2024.
No trustee was paid for their service as a trustee. The nature of expenses incurred were for: ministy,
administrative and subsistence causes, exclusively and necessary for fulfilling the charity objects.
l Trustees was paid expenses in the financial year ended 30th June 2024
l Trustees w&8 paid expenses in the fManc1￿ year ended 30th June 2023
2024
2023
Trustees Expenses
Retreats and conferences
Phone contract
Petrol and travel
648
267
99
1,014
640
241
65
946
STAFF COSTS, EMPLOYEE BENEFITS AND TRUSTEES REMUNERATION
2024
2023
Average number of staff
Staff costs and employee benefits
Wages and salaries
Ministerial staff contractor pay
Other contractor pay
Employerfs social security costs
Visa costs
32,789
6,000
5,317
2,238
775
30,000
6,000
3,700
2,971
47,119
42,671
By provision of the charity's Governing Documen( 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.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACllVITIES
Unrestricted
fund
INCOME AND ENDOWMENTS FROM
Donations and legacies
77,403
Other income
235
Total
77,638
EXPENDrruRE ON
Cbaritsble activities
Mission and Ministy
Property management and administration
58,016
14,336
Page 10
continued...

11
nu
202
COMPARATIVES FOR THE STATEMENf OF FINANCIAL AcfiviTIES- continued
Unrestricted
fund
Totsl
72,352
NET INCOME
5286
RECONCILIATION OF FUNDS
Totsl funds brought forward
61,755
TOTAL FUNDS CARRIED FORWARD
67,041
DONATED GOODS, FAcIL￿lEs AND SERVICES
2024
2023
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 Ministy
20
18
TANGIBLE FIXED ASSETS
Improvements
Plant and
machinery
property
Totsls
COST
At l July 2024 and 30 June 2025
8,951
14.441
23J92
DEPRECIATION
At l July 2024
Charge for year
2,047
1,995
12,395
1,958
14,442
3,953
At 30 June 2025
4,042
14J53
18,395
NET BOOK VALUE
At 30 June 2025
4,909
88
4,997
At 30 June 2024
6,904
8,950
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continued...

rid e Limi
Is
ements- continued
une 202
Ended
DEBTORS: AMouNfs FALLING DUE WITHIN ONE YEAR
30.6.25
30.6.24
HMRC Gift Aid
Prepayments and accrued incA)me
3,501
587
3,501
354
4,088
3,855
CREDrroRS: AMOUNTS FALLING DUE WITHIN ONE YEAR
30.6.25
30.6.24
AccnAls and deferred income
235
645
10. MOVEMEwf IN FUNDS
Net
movement
in funds
At
30.6.25
At 1.724
Unrestricted funds
Genernl fund
67,041
(12,546)
54,495
TOTAL FUNDS
67,041
(12,546)
54,495
Net movement in funds, included in the above are as follows:
Incoming
resources
Resources
expended
Movement
in funds
Unrestricted funds
General fund
60,693
(73,239)
(12,546)
TOTAL FUNDS
60,693
(73,239)
(12,546)
Comparatives for movement in funds
Net
movement
in funds
At
30.6.24
At 1.7.23
Unrestricted funds
General fund
61,755
5286
67,041
TOTAL FUNDS
61,755
5,286
67,041
Page 12
continued...

10.
MOVEMEwf IN FUNDS- eontlnued
Comparative net movement in funds, included in the above are as follows:
Incoming
resources
Resources
expended
Movement
in funds
Unr£stricted funds
General fund
77,638
(72,352)
5,286
TOTAL FUNDS
77,638
(72,352)
5286
A current year 12 months and prior year12 months eA)mbined position is as follows:
Net
movement
in funds
At
30.6.25
At 1.723
Unrestricted funds
General fund
61,755
(7,260)
54,495
TOTAL FUNDS
61,755
(7260)
54.495
A current year 12 months and prior year 12 months CA)mbined net movement in funds, included in the above are
as follows:
Incoming
resources
Resources
expended
Movement
in funds
UDrestricted funds
General fund
138,331
(145,591)
(7,260)
TOTAL FUNDS
138,331
(145,591)
(7,260)
11.
RELATED PARTY DISCLOSURES
Income
InrA)me from donations include fA,680 received from trustees and related parties.
Expenditure
Related paty transactions are disclosed in Note 2. 'Trustee expenses, and note 3. 'Staff costs, employee benefits
and trustee remuneration,.
Page 13

11
cia
30.6.25
30.6.24
INCOME AND ENDOWMENrs
Donations and legacies
Freewill offerings
T&x reLx)verable - Gift Aid
57,408
3,285
73,902
3,501
60,693
77,403
Other income
HMRC Gift aid interest
235
Totsl incoming resources
60,693
77,638
EXPENDITURE
Charitable activities
Employee pay
Building - rent and utilities
Insurance
Office expenses and postage
Discipleship and outreach
Conferences and retreats
Honoraria
Hospitality, supplies. gifts
Contractor pay
Visa costs
Pastofs phone costs
Building repairs
Bank charges and Paypal fees
IT, media and music
Exchange rate discrepancy
Travel and accommodation
Improvements to property
Plant and machinery
Grants to institutions
41,898
4,953
2,037
38,027
6,877
1,841
657
818
361
1,373
10,183
239
675
170
901
916
449
1,827
320
904
11,317
775
267
92
217
1,046
(2)
99
1,905
1,958
3,600
135
1,995
1,958
3,600
72,915
71,519
Support costs
Management
A¢￿UntIng
Independent examination
164
160
242
160
324
402
Other
Discipleship and Outreach
431
Total resources expended
73,239
72,352
Net (expenditure)/income
(12,546)
5286
This page does not forn] part of the statutory financial ststements
Page 14