TRUSTEES, ANNUAL REPORT
FOR THE YEAR ENDED 31 st DECEMBER 2024
This report includes inforniation required by th¢ Chwities (A¢wunts and Reports)
Regulations 2008 and the Statern¢nt of Recommended Practice - Accounting and Reporting
by Charities 2019.
SECTION A REFERENCE AND ADMINISTRATION DETAILS
Chingford United Reformed Church is a local church of the United Reforni￿ Church in
Great Britain, And is a member church of the Thames North Synod and the Heath Havering
and Forest Group of Churches. It was registered as a Chality on 4th May 2011 as Charity
Number 1141708.
The Church is situated at 2b Buxton Road, Chingford, London E4 7DP. Church officers can
be contacted on the Church's telephone number 020 8529 8888 or by emailin8
urc.chin
ford
oiitlook.com
The members of the Elders Meeting for the time being are r¢wgnis¢d as Charity trustees.
Those who serv¢d from 1st January 2024 until the dat¢ this report was approved are.,
Trustee Name
Rev Jonathan H de
Mr Malcolm Allard
Mrs Mar
aret Brown
Mrs Helen Hai
MrDa
o Kotun
Mrs Sandra Millan
Office if an
Minist
F.Ider Secret
Elder
Elder
Elder
Elder, Pulpit Supply
Elder
Elder
Elder Actin
F.Ider
Dates acted if not for
Until 31st Janu
2024
Mrs Samantha Rone
Mr Ian Sgene
Mr Malcolm Smith
Mrs Jo.
c¢ White.
Hires Mana
er
From I st Febru
2024
The Church pranises in Buxton Road, Chingford and the Manse at Bccchcroft, The Green,
Chingford are vest¢d in the Synod Trust Company as trust¢¢s and held for the benefit of
Chingford URC in accordance with the trusts applicabl¢ to URC properties.
SECTI
UCTURE GOVERNANCE AND MANAGEMENT
The activities of Chingford United Reforn)a Church are overseen by the Elders Meeting of
the Church in accordance with the provision of the Strncture of the United Refornied Church
detemiined by the Gencral Assembly of the United Refomi¢d Chuwh and suppl¢m¢nted by
the nlles of the Chingford Church. The governing document of the re8iSterol charity is a
statement adopted by the Church Meeting on 6th March 2011.
The Elders Meeting is responsible for the financia] administration of the Church, and the ¢are
and maintenance of the Church premises and Manse. The Church Meeting (of all members
wishing to attend) gives general guidance on the life and work of the Church.

The members of the Elders Meeting are th¢ Minister in pastoral charge and up to 8 members
of the Chingford Church nominated and elected by members of th¢ Church in Church
Meeting. Elders are elected to s¢rve for 4 years then usually retire by rotation and are eligible
for re-election after one year. Apart from that there is no restriction on the number of times
that individuals can be elected. The Elders are the trustees of the regist¢r¢d charity during
their period of s¢rvic¢ as elders. As charity trustees they are responsibl¢ for complying with
legislation applicable to charities. This includes registration, keeping proper accounts and
making returns to the Charity Commission as appropriate.
The Elders Meeting nonnally takes place ten times during th¢ year. The Elders ar¢ assist¢d
in Ihe day to day administration of the Church and its prop¢rty by the Board of ManagemenL
established to look at all premises and financial issu¢s, and by individual Financc Officers.
The Church Meeting met on several occasions during the year.
Risk and Internal Control
The Trustees undertake an ongoing r¢view of risks. Those areas with the highest risk receive
the most attention and steps are taken to minimise exposure and to have effective systems in
place where needed. Th¢ Trustees are satisfied that proper controls are in place for
monitoring and mitigating these risks. The main risks that the Church and the charitable
organisation face are governance risks, external risks, financial risks. operational risks and
compliance with laws and regulations, including those relating to public health and health and
safety.
SECTION C OBJECTIVES AND ACTIVITIES
As a local congregation of the United R¢forn]ed Church, Chingford United Refom]ed Church
seeks to advance the Christian religion Ihrough its activities and the facilities offer¢d to the
community by the Church building and premises and described more specifically in its
Mission Statement contained in the Vision Statement and Outreach Action Plan displayed in
the Church.
The Elders Meeting is aware of th¢ Charity Commission's gUid￿Ce iTh'The Advancement of
Religion for the Public Benefit" and has regard to it in the administration of the Church.
The Eldery Meeting believ¢s that th¢ Church provides benefit to the public by:
Providing resources and facilities for public worship, pastoral care and spiriNal,
moral and intellectual development both for the congregation and for anyone else who
wishes to ben¢fit from what th¢ Church offers
Promoting Christian valueg and service by members of th¢ Congregation to the
community for the benefit of individuals and society as a whole.
SECTION D ACTIVITIES AND ACHIEVEMENTS
The Church holds weekly "Community Coffee and Chat" rn¢etings on Friday mornings,
organised by way of outreach to the cornmunity. They continue to be well att¢lld￿.
Two successfid fundraising musical events were h¢ld durin8 the year and also a Christmas
Fayre.

SECTION E FINANCIAL REVIEW
The Church's income for 2024 at £96,989 was slightly lower than for the previous year
{2023 = £104,598). The main sources of iThcome were Offerings £20,335, Gift Aid tax
recovery £5,646, Hiring income £54,713 and Manse rent £8,473 net of management costs
(2023 = £1 8,510). The reduced Manse rental income in 2024 was due to the property being
vacant for ha]f the year while undergoing refurbislm]ent.
Expenditure of £105,262 included Ministy and Mission Fund contributions of £31,800 and
Church activities and premises costs of £69,614 (including £29,182 Mans¢ r¢fiwbishment
costs). The overall deficit for the year was £8,273 (2023 = a £36,554 surplus).
The acwunts are prepared on a cash transaclion basis with no accruals. The ￿nd balances in
hand at 31 st December 2024) of £106,114 are therefore all held in cash accounts.
The Church's policy on reserv¢s is to hold sufficient resources to continue the activities of
th¢ Church. The Church would appear to be in a good finnncial position as the cash reserve
of over £1 00,000 is more than enough to cover the annual cost of the ministy of the Church,
at least in the short tem]. In particular an increased demand for the use of the Church's
buildings by external hirers has g¢n¢rated a 121A % uplift in income from that source over
and above the amount generated in 2023. The Church does however need to keep its financial
position under review in order to cover continuing expenditure, especially further costs
rclating to the refurbishment of the Manse which was ongoing into 2025.
Investsnent Polie
The Church's Incom¢ and Expenditure is significant, but surpluses are not likely to be
retained for long periods. As a consequence the Church doc5 not have sufficient Teserves to
invest in longcr temi securities such as slocks and shares. The Church has therefore adopted
a low risk strategy for the inv¢slment of its ￿nds. All ￿ndS are held in cash using only
banks and financial institutions regulated by the Financial Conduct Authority.
ell￿r¢ll officers regularly iTivriitur tli¥ i¢v¢i¥ vf odnK OdldThLeY and inleret>t rilt¥s reLeivtxl to
ensure the Church obtains rnaximum value and income from its banking and investment
arrangements. This currently involves using an account that requires a period of notice
before fimds can be withdrawn and in doing so the Board of Management considers cash
flow requirements.
SECTION F PLANS FOR FirruRE PERIODS
Our aspirations are set out in our Church Life Review. We reco￿18¢ that w¢ do not always
have the Tesources to progrcss everything at the same time. On th¢ other hand we have
excellent facilities in our buildings and opportunities for outreach among the hundreds of
people who potentially will come into our pr¢mis¢s each week for the activities which tske
plac¢ there.

We therefore continue to seek to improve our relationships with the organisations that use our
buildings to encourage their metnbcTS to become mor¢ involved in church servi¢¢s and
activities.
We reCO￿lse that we need to maintain the pmfile of our Church through communication and
advertising of s¢rvices, activities and events and we continue to promole thos¢ via external
Notice boards and the Church w¢bsit¢.
We also r¢¢ognis¢ that we rnust find more people to take part in the day to day running of the
Church as the existing church officers continue to find it increasingly difficult to cope with
their many responsibilities.
SECTION G DECLARATION
This report represents a true pietur¢ of the activities and financial position during the 2024
calendar year.
nature
Full Name
Position
Date
geJL aoa

INDEPENDENT EXAMINER'S Report to the Trustees of Chlngford United Refom*d Churth.
I reporton the accounts of the church for the year ended 31st December 2024, on pages Ito 3.
Respecilve responslbllltles of trustees and examlner
The church's trustees are responsible for the prepardtion of the accounts. The church's trustees
conslderthat an audlt Is not requlred for thls year under sectlon 14412) of the Charltles Act 2011 Ithe
2011 Actll and that an Independent examlnatlon Is needed.
It Is my responsib115tyto:
examine the accounts under section 145 of the 2011 Art).
to follow the procedures laid down in the General Dlrectlons glven by the Charlty CommSssSoners
lunder section 14515llbl of the 2011 Actl- and
to stste whether particular matters have come to my attentlon.
Basis of independent examiner's report
My examination was carried out in accordance with the general Directlons given by the Charlty
Comm15sion. An examination includes a revlew of the accounting records kept by the charlty and a
comparlson of the accounts presented wlth those records. It also Includes conslderation of anv
unusual Items or dlsclosures In the accounts, and seeking explanatlons from you as trustee5
concerning any such matters. The procedures undertaken do not provlde all the evidence that would
be requlred in an audlt and consequently no opinion is given as to whether the accounts present
"true and falr vlew" and the report is limited to those matters set out in the ststement below.
Independent ex•mlner's statement
In connection with my examination, no matter has come to my attentlon.. which glves me reasonable
cause to believe that in any material respect the requlrements to keep accountlng records In
accordance wlth section 130 of the 2011 Act,. and to prepare accounts which accord with the
accounting records and comply with the accounting requlrements of the 2011 Act have not been
met,. or121 to whld), In my opinion attention should be drawn in order to enable a proper
understanding of the Accounts to be reached.
NAME Mrsj M Wyber
ADDRESS 7 Mornington Close. Woodford Green. Essex, IG8 orr
7 May 2025

Registered Charf(y Number 1141708
Page I
CHINGFORD UNITED REFORMED CHURCH ANNUAL ACCOUNTS 31 DECEMBER 2024
The address of the Charlty15 2B Buxton Road, Chingford, London E4 7DP
The Church is a Member of the Heath, Havering & Forest Group of Churches
in the Thame5 North Synod of the United Reformed Church
The annual accounts should be read in conjunction wlth the Trustees Annual Report
These accounts reflect flnanclal transattions recorded on a Receipts and Payments basis
STATEMENT OF FINANOAL AcfiviTIES FOR THE YEAR ENDED 31 DECEMBER Z024
Note
2024
2023
INCOMING RESOURCES from generated funds
Voluntary Income
Grants recelved
Activitle5 for generatlng fund5
Investment Income
Incomlng Resources- unrestrlrted
Restiltted Donatlons- iecelved
Incomlng Resoyfces- tot•1
26,536
32,161
67.720
70.269
2,733
2.168
96.989 104,598
1,500
1,369
98,489 105,967
RESOURCES EXPENDED Charltable Artlvltles
URC M5nlstry & Mission Fund
Worship costs
Cost of Church Activities
Grants payable
Governance costs
Resource$ Expended- unrestrfcted
Restrfcted Donatlons- passed on
Resources EMpended- total
31,800
3,848
69,614
25,008
1,351
41,685
105,262
1,500
106,762
68,044
1,369
69,413
Nel Incomlng (Out8olngl Unrestrirted Resourcés
Total Funds brought forward l January
Unrestrltted Resources carried forward 31 December
.273
36,554
114,387
77,833
106,114 114,387
TOTAL RESOURCES 31 DECEMBER
106,114 114,387
BALANCE SHEET AS AT 31 DECEMBER
6Ah'rt" Ai¥D CASH 8Aiiir4
Lloyds Bank Current Account#
Redwood Bank Ltd
Cash Floats
THE FUNDS OF THE CHARITY
21,508
29,554
84,506
84,773
loo
60
106,114 114,387
Approved by the Church MeÈtlng held on
and slgned on It5 behalf by an Elder

Page 2
NOTES TO THE STATEMEMf OF FINANaAL AcfiviTIES
I. ACCOUNTING POLICIES
la Basls of Accountin8
The financial statements have been prepared in accordance wlth the Charities
Act 2011 section 133 and United Reformed Church guidance. The accounts are
presented on a Receipts and Payments basis. The prinuple accounting
policies set out below are applied consistently
Ib Fund Accountln
Unrestrlcted funds are avallable for use at the discretion of the church in
furtherance of Its charltable objectlves. Restricted funds are subJert to
restrirtions on their expenditure imposed by the donor or contalned in the
terms of the grant.
Ic T4nglble Flxed Assets
Freehold Property: The Trustees of the church and manse building5 are the
Thames North Trust who hold them on trust for purposes connected wSth
Chingford URQ Expenditure Incurred on the church and manse is wrltten off
In the year It Is Incurred
Id Tamatlon
As part of the Unlted Reformed Church, the church is an excepted charlty
wlthin the meanlng of the Taxes Acts. Accordingly it is potentially exempt
from taxation in respect of income and capital gains received to the extent
that such income of gains are applied to excluslvely charitable purposes.
The Church has been entered In the Register of Charities from 4 May 2011
wlth number 1141708
2024
2023
2 VOLUNTARY INCOME
Freewilll plate offerings
Special offerlngsl donatlonsl legacies
Income tax refunds/ Gift Ald
20,335
555
5,646
26,536
25.912
6,249
32,161
3 GRANTS RECEIVED no grants were received in the year
4 AcfiviTIES FOR GENERATING UNRESTRicfED FUNDS
Hlrin8 of Church and Halls
Lettlng of Manse
(Vacant for half the yearl
Falrs and Sales
Other Fund Raising
Miscellaneous
54,713
8,473
2,685
1,849
48,783
18,510
1,430
1,456
90
70,269
67,720
48 RESTRicfED DONATIONS RECEIVED
Commltment for ￿fe
Indivldual Charities
I,ioo
400
1,500
1.000
369
1,369
5 INVESTMEMf INCOME
Bank Interest
2,733
2,168

Page 3
2023
NOTES TOTHE STATEMENT OF FINANCIAL AcfiviTIES contlnued
2024
6 MINISTRY & MISSION FUND
The Church contributes to the central URC costs of training and
providing ministers Ilncludlng the centrolised paymerst of stipends
pension contributlons and other beneflt5 for mlnlstersl, running the
denomination and the wider m15sion of the national Church
7 WORSHIP COSTS
The Church shares Its minister with St James URC, Buckhurst Hill but
each church now bears Its own cost and there is no shared bank account.
Refund of share of mlnlsterlal costs paid to Forest Group
Pulpit supply
Organ, organist• planlst and CCLI Licence
31,800
25,008
-159
725
785
1351
890
2,958
3,848
8 COSTS OF CHURCH AcfiviTIES, thurch and Manse Cost
Admlnlstratlon
Cleanlng
Ga5 & Elettricity
8uildln8 maintenance & equlpment
Manse expenses, new kltchen refurbishment, insurance etc
Insurance of Church
Water & refuse
Communicatlons - alamis, telephone. internet etc
Miscellaneous, coffees, flowers, lunches
COST OF ACTIVITIES
8B ADDITIONAL INFORMATION RE MANSE
Refurblshment
New Kltchen
Insurance of Manse
Council Tax re Vacancv
Gas & Electrlclty
Fees
1,784
10,556
12,093
2,456
32,872
3,659
218
5,873
103
69614
1,065
9,304
10,141
10,954
4,443
3,268
891
1,529
90
41,685
13,515
15,667
1,107
1,911
407
265
32,872
2715
792
936
4,443
9 GRANfs PAYABLE AND RESTRICTED DONATIONS PASSED ON
Commitment for Llfe
Other Re5ticted Glfts
I,ioo
400
1,500
1,000
369
1.369
10 RESTRICTED FUNDS
10.1 ThrouÉhoLrt 2024 no organlsation held funds on behalf of the Church
10.2 The Church accounts include a Rertricted Fund where the monies can only be used for
the speafic purpose for whlch they are entrusted to the Church. These monies are not at
the disposal of the Church Meeting for any purpose and represent specific Giftfrom
special collertions and fund ralsing events. The Church aims to pay over monies raised
during the year in which they are recelved. Any unpaid rnonies due to Charities are shown
as Cash, Restritted Funds
ASSISTAW TREASURER'S STATEMENT
I have prepared the financial ststements on pages I to 3 for year ended 31 December 2024

INDEPENDENT EXAMINER'S Report to the Trustees of Chlngford United Refom*d Churth.
I reporton the accounts of the church for the year ended 31st December 2024, on pages Ito 3.
Respecilve responslbllltles of trustees and examlner
The church's trustees are responsible for the prepardtion of the accounts. The church's trustees
conslderthat an audlt Is not requlred for thls year under sectlon 14412) of the Charltles Act 2011 Ithe
2011 Actll and that an Independent examlnatlon Is needed.
It Is my responsib115tyto:
examine the accounts under section 145 of the 2011 Art).
to follow the procedures laid down in the General Dlrectlons glven by the Charlty CommSssSoners
lunder section 14515llbl of the 2011 Actl- and
to stste whether particular matters have come to my attentlon.
Basis of independent examiner's report
My examination was carried out in accordance with the general Directlons given by the Charlty
Comm15sion. An examination includes a revlew of the accounting records kept by the charlty and a
comparlson of the accounts presented wlth those records. It also Includes conslderation of anv
unusual Items or dlsclosures In the accounts, and seeking explanatlons from you as trustee5
concerning any such matters. The procedures undertaken do not provlde all the evidence that would
be requlred in an audlt and consequently no opinion is given as to whether the accounts present
"true and falr vlew" and the report is limited to those matters set out in the ststement below.
Independent ex•mlner's statement
In connection with my examination, no matter has come to my attentlon.. which glves me reasonable
cause to believe that in any material respect the requlrements to keep accountlng records In
accordance wlth section 130 of the 2011 Act,. and to prepare accounts which accord with the
accounting records and comply with the accounting requlrements of the 2011 Act have not been
met,. or121 to whld), In my opinion attention should be drawn in order to enable a proper
understanding of the Accounts to be reached.
NAME Mrsj M Wyber
ADDRESS 7 Mornington Close. Woodford Green. Essex, IG8 orr
7 May 2025

Registered Charf(y Number 1141708
Page I
CHINGFORD UNITED REFORMED CHURCH ANNUAL ACCOUNTS 31 DECEMBER 2024
The address of the Charlty15 2B Buxton Road, Chingford, London E4 7DP
The Church is a Member of the Heath, Havering & Forest Group of Churches
in the Thame5 North Synod of the United Reformed Church
The annual accounts should be read in conjunction wlth the Trustees Annual Report
These accounts reflect flnanclal transattions recorded on a Receipts and Payments basis
STATEMENT OF FINANOAL AcfiviTIES FOR THE YEAR ENDED 31 DECEMBER Z024
Note
2024
2023
INCOMING RESOURCES from generated funds
Voluntary Income
Grants recelved
Activitle5 for generatlng fund5
Investment Income
Incomlng Resources- unrestrlrted
Restiltted Donatlons- iecelved
Incomlng Resoyfces- tot•1
26,536
32,161
67.720
70.269
2,733
2.168
96.989 104,598
1,500
1,369
98,489 105,967
RESOURCES EXPENDED Charltable Artlvltles
URC M5nlstry & Mission Fund
Worship costs
Cost of Church Activities
Grants payable
Governance costs
Resource$ Expended- unrestrfcted
Restrfcted Donatlons- passed on
Resources EMpended- total
31,800
3,848
69,614
25,008
1,351
41,685
105,262
1,500
106,762
68,044
1,369
69,413
Nel Incomlng (Out8olngl Unrestrirted Resourcés
Total Funds brought forward l January
Unrestrltted Resources carried forward 31 December
.273
36,554
114,387
77,833
106,114 114,387
TOTAL RESOURCES 31 DECEMBER
106,114 114,387
BALANCE SHEET AS AT 31 DECEMBER
6Ah'rt" Ai¥D CASH 8Aiiir4
Lloyds Bank Current Account#
Redwood Bank Ltd
Cash Floats
THE FUNDS OF THE CHARITY
21,508
29,554
84,506
84,773
loo
60
106,114 114,387
Approved by the Church MeÈtlng held on
and slgned on It5 behalf by an Elder

Page 2
NOTES TO THE STATEMEMf OF FINANaAL AcfiviTIES
I. ACCOUNTING POLICIES
la Basls of Accountin8
The financial statements have been prepared in accordance wlth the Charities
Act 2011 section 133 and United Reformed Church guidance. The accounts are
presented on a Receipts and Payments basis. The prinuple accounting
policies set out below are applied consistently
Ib Fund Accountln
Unrestrlcted funds are avallable for use at the discretion of the church in
furtherance of Its charltable objectlves. Restricted funds are subJert to
restrirtions on their expenditure imposed by the donor or contalned in the
terms of the grant.
Ic T4nglble Flxed Assets
Freehold Property: The Trustees of the church and manse building5 are the
Thames North Trust who hold them on trust for purposes connected wSth
Chingford URQ Expenditure Incurred on the church and manse is wrltten off
In the year It Is Incurred
Id Tamatlon
As part of the Unlted Reformed Church, the church is an excepted charlty
wlthin the meanlng of the Taxes Acts. Accordingly it is potentially exempt
from taxation in respect of income and capital gains received to the extent
that such income of gains are applied to excluslvely charitable purposes.
The Church has been entered In the Register of Charities from 4 May 2011
wlth number 1141708
2024
2023
2 VOLUNTARY INCOME
Freewilll plate offerings
Special offerlngsl donatlonsl legacies
Income tax refunds/ Gift Ald
20,335
555
5,646
26,536
25.912
6,249
32,161
3 GRANTS RECEIVED no grants were received in the year
4 AcfiviTIES FOR GENERATING UNRESTRicfED FUNDS
Hlrin8 of Church and Halls
Lettlng of Manse
(Vacant for half the yearl
Falrs and Sales
Other Fund Raising
Miscellaneous
54,713
8,473
2,685
1,849
48,783
18,510
1,430
1,456
90
70,269
67,720
48 RESTRicfED DONATIONS RECEIVED
Commltment for ￿fe
Indivldual Charities
I,ioo
400
1,500
1.000
369
1,369
5 INVESTMEMf INCOME
Bank Interest
2,733
2,168

Page 3
2023
NOTES TOTHE STATEMENT OF FINANCIAL AcfiviTIES contlnued
2024
6 MINISTRY & MISSION FUND
The Church contributes to the central URC costs of training and
providing ministers Ilncludlng the centrolised paymerst of stipends
pension contributlons and other beneflt5 for mlnlstersl, running the
denomination and the wider m15sion of the national Church
7 WORSHIP COSTS
The Church shares Its minister with St James URC, Buckhurst Hill but
each church now bears Its own cost and there is no shared bank account.
Refund of share of mlnlsterlal costs paid to Forest Group
Pulpit supply
Organ, organist• planlst and CCLI Licence
31,800
25,008
-159
725
785
1351
890
2,958
3,848
8 COSTS OF CHURCH AcfiviTIES, thurch and Manse Cost
Admlnlstratlon
Cleanlng
Ga5 & Elettricity
8uildln8 maintenance & equlpment
Manse expenses, new kltchen refurbishment, insurance etc
Insurance of Church
Water & refuse
Communicatlons - alamis, telephone. internet etc
Miscellaneous, coffees, flowers, lunches
COST OF ACTIVITIES
8B ADDITIONAL INFORMATION RE MANSE
Refurblshment
New Kltchen
Insurance of Manse
Council Tax re Vacancv
Gas & Electrlclty
Fees
1,784
10,556
12,093
2,456
32,872
3,659
218
5,873
103
69614
1,065
9,304
10,141
10,954
4,443
3,268
891
1,529
90
41,685
13,515
15,667
1,107
1,911
407
265
32,872
2715
792
936
4,443
9 GRANfs PAYABLE AND RESTRICTED DONATIONS PASSED ON
Commitment for Llfe
Other Re5ticted Glfts
I,ioo
400
1,500
1,000
369
1.369
10 RESTRICTED FUNDS
10.1 ThrouÉhoLrt 2024 no organlsation held funds on behalf of the Church
10.2 The Church accounts include a Rertricted Fund where the monies can only be used for
the speafic purpose for whlch they are entrusted to the Church. These monies are not at
the disposal of the Church Meeting for any purpose and represent specific Giftfrom
special collertions and fund ralsing events. The Church aims to pay over monies raised
during the year in which they are recelved. Any unpaid rnonies due to Charities are shown
as Cash, Restritted Funds
ASSISTAW TREASURER'S STATEMENT
I have prepared the financial ststements on pages I to 3 for year ended 31 December 2024