New Covenant Fellowship Church
Annual Report and Accounts
For the year ending 31°, October 2025
Charity Details
Charity name:
Charity type..
Charity number:
Company number:
New Covenant Fellowship Church
Charitable Incorporated Organisation ICIOI
1147874
7810922 (company limited byguarantee until
30th October 20251
Registered office:
28 Whipperleyway, Farley Hill, Luton, LU1 SLG
Operational address:
Kestin House, 45 Crescent Road. Luton. LU2 OAH
Trustee Details
Board ofTrustees:
Ms Bongai Mutema
Mrj Henrique dossantos
Mrs Ivanilde dossantos
Mr Nanzip Lannap
Mrs Samantha Graham
Dr Stephen Pam Ichairl

Structure, Governance and Management
Until 30, October 2025, New Covenant Fellowship Church INCFCI was a charitable
company limited by guarantee. It was incorporated on the 14" October 2011 and registered
as a charity on the 28" June 2012. The companywas established under a Nemorandum of
Association, which established the objects and powers of the charitable company, and it
was governed under its Articles of Association. In the event of the company being wound
up members were required to contribute an amount not exceeding £10.
On 31" October2025, NCFC converted to a Charitable Incorporated Organisation ICIOI and
is nowgoverned under its constitution. If the CIO is wound up. the members of the CIO have
no liability to contribute to its assets and no personal responsibilityfor settling its debts and
li8bilities. (Subsequently. on 20" November 2025, the trustees passed a special resolution
to change the name of NCFCto One Church Lutonl.
When NCFC converted to a CIO, it ceased to have comp8ny directors and its only voting
members were its charity trustees. The first charitytrustees will continue in office untilthey
resign, are removed or pass away. Other trustees are appointed for three years and then are
eligible for reappointment.
As and when new trustees are required. potential candidates will be identified based on
their skills, experience and involvement with NCFC l One Church Luton. The Trustees seek
to maintain a range of appropriate skills on the trustee board.
Due to their oversight and responsibility for the children's and young persons, ministry, the
Trustees undertake a Disclosure and Barring Service IDBSI check.
J. Henrique dos Santos and Ivanilde dos Santos are both trustees and Pastors of the church.
J Henrique dos Santos and Ivanilde dos Santos are remunerated by the church fortheir roles
as Pastors and are also permitted to be ex-officio trustees in accordance with the
constitution and by the Charity Commission. No other members of the trustees were
remunerated or leceived benefits from the charity.

Tr
in
tr
During 2024-2025, no new trustees were appointed. All Trustees continue to be familiar
with the work and life of the church. One Trustee is no longer a member ot the church., all
the others have either held positions of responsibility within the church in the past, or
continue to do so, in addition to being Trustees le.g. as home cell group leaders or worship
leaders). Potential new Trustees will be provided with information on the roles and
responsibilities of Trustees as part of an initial scoping conversation. The information will
include previous minutes and governance documents le.g. the constitution and annual
reports). Potential candidates will need to pass an interview process involvingthe Chair and
other Trustees successfully before being appointed.
Six members served on the Trustee Board during 2024-2025. The Board can be expanded
as the charity requires, upto a maximum of 12 Trustees. TheTrustees met at leastfourtimes
in the year and covered the financial and administrative matters of the charity. The Trustees
have a mixture of Christian, charity and professional backgrounds relevant to the work of
NCFC.
The spiritual leadership of the church has been delegated to the Pastors by the Trustees.
Consequently, the Pastors are responsible for setting the spiritual direction for the church.
To support the Pastors in spiritual and leadership Matters, the church has a Pastor Support
Group. This group also oversees or supports various functions within the church.
NCFC has a number of decision making processes in place to ensure that decisions are
made in 8ccordance with the aims an(J objectives of the charity and to ensure good
financial managernent. The key decision-making processes in place are as follows:
1. Spiritual matters- delegated to the Pastors
2. Fin8ncial matters- expenditure up to £200 can be carried out independently by the
Pastors. Expenditure over £200 has to be agreed by the Trustees
3. Governance matters- carried out by the Trustees

Objectlves and Actlvities
The charity's objects contained in the constitLJtion are=
To advance the Christian faith for the public benefit.
The church has an overarching goal of'making Jesus too big to ignore" The church's vision
and mission is based on seven key principles which govern the priorities and focus of the
church. These are as follows=
11 Love God
21 Love people
31 Live according to the Word of God (the Holy Bible)
41 Live in the power of the Holy Spirit
51 Live a life of holiness
61 Live 8 life of freedom
71 Live 8 life of revelation
The Trustees h8ve regard to the Commission's Public Benefit Guidance when exercising any
powers or duties to which the guidance is relevant and take this into account when planning
the 8Ctivities and focus for the year. The church has continued key activity to help fulfil its
purpose and mission.
The church continued to develop its activities during the year through core activity,
including church services, prayer meetings and discipleship, and developing new areas to
incre8se its impact. Activities included:
The Sunday morning d8ytime service.. Sunday services took place throughout the
year. They were held in person, with recordings of the sermons enabling some
online presence for those unable to attend. The services incorpor8ted vibrant
worship. dynamic teaching and preaching, pr8yer. ministry and time for fellowship.
These services were open both to church members and others who wished to
attend.,
Children's activities= These took place during the Sunday morning service
throughout the year, despite the relatively low number of children in the church.

Prayer meetings.. The weekly prayer meeting$ continued throughout the year, the
Wednesday morning meeting tended to focus on healing whilst the Wednesday
evening prayer meeting had a more general focus.,
Home cell groups.. There were three in person home cell groups and one on-line
group. Weekly meetings of these small groups of church members took place
throughout the year which focused on bible study and fellowship. They proved
invaluable support in providing fellowship, enabling spiritual growth, and in
providing mutual pffjyer, accountability and support,.
A young adults. group: a young adults. group was begun with regular meetings on a
Friday evening for mutual support and fellowship amongst the younger adults.
Encounter with God conferences linner healingi: One Encounter with God
conference took place at NCF church during the year with another in Ireland run by
our church leadership,.
Men's and women's events: A number of men's fellowship events were held
including Saturd8y morning breakfasts, and a fellowship and study meeting held
monthly was begun. Women's fellowship events included an afternoon tea, a
bre8kfast, several fellowship events and a women's conference.
Street evangelism.. There was also some street evangelism c8rried out by the
Pastors in association with Youth With A Mission IYWAMI. and a couple of similar
events run bythe church-
Learning to sew club= A learning to sew club continued to take place with positive,
regular attendance and a forum to develop positive relationships.
Social media: The church worked hard, and highly effectively, in developing its
social media presence, which grew significantly during the year. NCFC built on our
established online presence on key social media platforms, including Instagram
and Facebook. Three minute reels were regularly produced with between 2,000 and
3,000 people viewing them, with an average of 8,000 viewers on the general
Instagram account. The media team continued to produce a series of filmed
podc8Sts where church members and others were interviewe(J abouttheir lives and
the impact of Jesus. These, again, were seen not only by church members but had
8 large outside audience. We also renewed the church website.
Support of missionaries.. we supported rnissionaries in Rwanda and Thailand, and
two boys through Compassion UK, and gave to Open Doors and Azalea.

NCFC, now One Church Luton, will continue to fulfil its vision to be a thriving,
contemporary, and dynamic community on 8 mission to make Jesus too big to ignore
through our commitment to loving God, loving one another and reaching out to others near
and far. It will continue to develop its social media presence, and maintain its focus on
worship, service, devotion, fellowship, preaching, teaching, bible study, discipleship, inner
healing, prayer support, intercession, outreach and missionary support. It is hoped to
develop activities to meet some of the social needs in the town.
Financial Review and Reserves
The church receives its funding from tithes, offerings and donations given by members of
the congregation, from events income and Gift Aid. The church's income was £73,832
which was an increase from the previous year's income as a result of the timing of gift aid
claims12023-2024= £60.2791.
NCFC aims to hold sufficient unrestricted funds not designated or invested in fixed assets
li.e."free reserves") to meet three months, expected committed expenditure. In 2024-2025
the charity had sufficient reserves to meet this level of expenditure. NCFC l One Church
Luton will continue to hold this level of reserves and take mitigating actions accordingly if
reserves were to dip below this level.
This report was approved by the Trustees and signed on its behalf by:
Drsj Pam ICh8irl'.
Date.. 2'°July2026

One Church Luton
Company Limited by Guarantee
Year ended 31 October 2025
I report on the Accounts of the Charity for the year ended 31st October 2025
which are set out on the following pages.
Kespective responsibilities of Trustees and Examiner
Thc Choritvs TrustCC5 orc rcsponsiblc for thc preparation of thc Accounts. Thc
Charity's Trustees consider that an audit is not required for this year under
section 43121 of thecharities Act 1993 (the 1993 Act) and that an Independent
Examination is needed
It is my responsibility to:
lil examine the Accounts under Sectlon 4313llal of the 1993 Act:
lill lollow the procedure5 laid down in the General Directions given by the
Charity Commission under Section 4317llbl of the said 1993 Act.. and
liiil state whether particular matters have come to my attention.
Basis of Independent Examinerfs Report
My examination was carried out in accordance with the General Directions
given by the Charity Commission. An examination includes a review of the
accounting records kept by the Charity and a compari50n of the accounts
presented withthose records. It also includes consideration of any unusual
such matters. The procedures undertaken do not provide all the evidence that
would be required in an audit. and consequently I do not expre55 on audit
opinion on the view given by the accounts
Independent Examinerfs Statement
In connection with my examination no matter has come to my attention:
111 which gives me reasonable cause to believe in any material respect the
requirements lil to keep accounting records in a¢tordante with Section 41 of
the Charities Act 1993: and
Illl to prepafe Accounts which accord with the accounting records and to
comply with the accounting requirements of the said 1993 Act have not
been met, or
121 to which, in my opinion, attention should be drawn in order to enable a proper
understanding of the Accounts to be reached.
Mr A Hickman - Accountant
Guyvers
Patmore End
Ugley
CM22 6JA

One Church Luton
Company Limited by Guarantee
Statement of Income and Retained Earnings
Year ended 31 October 2025
2025
2024
Note
Turnover
48071
53383
Operating Income
48071
53383
AdministratNe expenses
other operatin8 income
Surplus I Ideficetl Income & Expenditure
131b9
25761
63
78777
6896
-18498
Surplus before taxation
63
-18498
Tax on surplus
Deficit for the financial year ond total
comprehensive income
63
-18498
Retained earnings at the start of the year
Retained earnings at the end of the year
29520
29583
48018
29520
All the activitie5 of the company are from continuing operations.
The notes on pages 5 to 7 form part of these financial statements.

One Church Luton
Company Limited by Guarantee
Statement of Financial Position
31st October 2025
2025
2024
Fixed assets
Tangible assets
Note
1040
1040
Current assets
Cash at bank and in hand
Creditors.. due within one year
Nyl cuwryril d>>el)
Total atsets less current liabilitiès
28833
290
28543
28770
290
28480
29583
295?0
Net assets
29583
29520
Gipital and re5erve5
Profit and loss account
Members funds
29583
29583
29520
29520
These financial statements have been prepared in accordance with the provis￿n$
applicable to companies subject to the small companies, regime and in accordance
with Section IA of FRS 102 The Financial Reporting Standard applicable in the UK and
Republic of Ireland. For the year ending 31 October 2025 the company was entitled to
exemption from audit under section 477 of the Companies Act 2006 relating to small
comapnies.
Directors. responsibilities
* The members have not required the company to obtain èn audit of its financial
statement5 for the year in question in accordance with section 476,.
* The directors acknowledge their responsibilities for complying with the
requirements of the Act with respect to accounting records and the preparation of
financial statements. These financial statements were approved by the board of
directors and authorised for issue on .
nd are signed on behalf of the
board by-.
S Graham
Director
Company reRistration number: 07810922
The notes on pages S to 7 fom part of these financial statements.

One Church Luton
Company Limited by Guarantee
Notes to the Financial Statements
Year ended 31 October 2025
l. General information
The company is a private company limited by guarantee, re8lStered in Ensland and
Wales. The address of the registered office is 28 Whipperley Way. Luton, Beds,
LUI 5LG.
2. Statement of compliance
These financial statements have been prepared in compliance with Section IA of
FRS 102, The Financial Reporting Standard applicable in the UK and the Republic of
Ireland
3. Accounting policies
Basis of preparation
The financial statements have been prepared on the hi5toricol cost basis, as modified
by the revaluation of certain financial assets and liabilities and investment propprties
measured at fair value through profit or1055.
The financial statements are prepared in sterlin& which is the functional currency of
the entitiy
Tangible assets
TanRible assets are initially recorded at cost, and subsequently stated at cost less anv
accumulated depreciation and impairment10sses. Any tangible assets carried at
revalued amounts are recorded at the fair value at the date of revaluation less any
subsequent accumulated depreciation & subsequent accumulated impairnient1055es.
An increase in the carrying amount of an asset as a result of a revaluation. is recognised
in other comprehensive income and accumulated in equity, except to the extent it
reverses a revaluation decrease of the same asset previously recognised in profit or
loss. A decrease in the carrying amount of an asset as a result of revaluation, is
recognised in other comprehensive income to the extent of any previously recognised
revaluation increase accumulated in equity in respert of that asset. Where a
revaluation decrease exceeds the accumulated revaluation gains accumulated in
equity in respect of that asset, the excess shall be recognised in profit and loss.
Depreciation
Depreciation is calculated so as to write off the cost or valuation of an asset, less its
residual value, over the useful economic life of that asset as follows:
Musical & sound equipment- 25% straight line
Impairment of fixed assets
A review for indicators of impairment is carried out at each reporting date, with the
recoverable amount being estimated where such indicators exist. Where the carrying
value exceed5 the recoverable amount, the asset is impaired accordingly. Prior
impairments are also reviewed for possible reversal at each reporting date.
For the purposes of impairment testing. when it is not possible to estimate the
recoverable amount of an indNidual asset, an estimate is made of the recoverable
amount of the cash generating unit to which the asset belongs. The cash-generating
unit 15 the 5malle5t identifiable group of assets that includes the a55et and generates
cash inflows that are largely independant of the cash inflows from other assets or
groups of assets.

One Church Luton
Company Limited by Guarantee
Notes to the Financial Statements (continued)
Year ended 31 Ortober 2025
3. Accounting policies Icontinuedl
Impairment of fixed a£spts Ir.c)ntinEJpdl
For impairment testing of goodwill, the goodwill acquired in a business combination is
from the acquisition date. allocated to each of the cash-generating units that are
expected to benefit from the synergies of the combination, irrespective of whether
other J55ets or liabilities of the comp4ny afe a55i8ned to those uniis.
Financial instruments
Financial liabilities and equity instruments are classified according to the substance of
the contractual arrangements entered into. An equity instrument is any contract that
evidences a residual interest In ihe assets of the entiry after de(lucting all of its
financial liabilitte5. Where the contractual obli8at40n5 of financial instruments
(including share capital) are equivalent to a similar debt instrument. those financial
instruments are classed as financial liabilites. Financial liabilities are presented as
such in the balance sheet. Finance costs and gains or losses relating to financial
liabilities are included in the profit and loss account. Finance costs are calculated so as
to produce a constant rate of retum on the outstanding liability. Where the contractual
terms of share capital do not have any terms meeting the definition of a financial
liability then this is classed as an equity instrument. Dividends and distributions
relating to equity instruments are debtted dlrect to equity.
4. Company limited by guarantee
The company has no share capitsS and is limited by guarantee.
5. Deficet before taxation
Deficiet before laxdlivn 15 St4ted after chargln8-
2025
2024
Depreciation of tangible assets
1514
6. Tangible assets
Equipment Total
Equiment
Total
Cost
At l November 2024 and 31 October 2025
Additions
Depreciation
At l November 2024
Charge for the year
14852
13338
1514
14852
13338
1514
14852
14852
At 31 Ottober 2025
Carrying amount
At 31 October 2025
At 31 October 2024

One Church Luton
Company Limited by Guarantee
Notes to the Financial Statements (contlnued)
Year ended 31 October 2025
7. Creditors= amounts falling due within one year
2025
2024
290
290
8. Related party transartions
No transactions with related parties were undertaken such as are required to be
disclosed

One Church Luton
Company Limited by Guarantee
Management Information
Year ended 31 October 2025
The following page5 do not form part of the financi31 thtements

One Church Luton
Detailed Income Statement
Year ended 31 Ortober 2025
2025
2024
Turnover
Operating Income
Sundry Income
48071
48071
3409
51480
53383
53383
1005
54388
Overheads
Administrative expenses
Other operating income
Surplus I Ideficitl income & expenditure
73769
22353
63
78777
5891
-18498
Surplus before taxation
63
-18498

One Church Luton
Notes to the Detailed Income Statement
Year ended 31 October 2025
2025
2024
Establishment expense5
Rent & rates
Insurance and compliance
12046
611
12657
10715
10715
General expenses
Travel and conference costs
Pastor & speaker costs
Mission costs
Printing, Postage and Stationery
Equipment/buildin8 repairs and renewals
Staff costs
Payroll costs
Subscriptions
EventslEvangelismladvertising
Giving
Gifts IHard5hip Fund
Books
Computerlzoom & accessories
Hospitality
Legal and professional fees
Accountancy fees
Sundry Expenses
Depreciation of tangible assets
271
747
2425
712
244
58
50705
56
49905
3326
2991
2751
156
397
7485
386
50
460
1060
290
144
1514
67917
354
193
290
461
61022
Financial costs
Bank charges
91
61113
146
Other operating income
Other operating income- Gift Aid
Other operating income- Events
20920
1433
22353
2986
2905
5891
Company Registration Number: 07810921
io