## **WOMAN AND HER LOVER MINISTRIES**
**REPORT AND ACCOUNT FOR THE YEAR ENDED 30TH JUNE 2025**
**CHARITY NUMBER 1162046**
## **WOMAN AND HER LOVER MINISTRIES**
|**Contents**|**Pages**|
|---|---|
|Adminstrative Information|1|
|Report of the Trustees|2|
|Independent examiner's Report|4|
|Statement of Financial Activities|5|
|Balance Sheet|6|
|Notes to the Financial Statements|7|
## **WOMAN AND HER LOVER MINISTRIES**
## **Administrative Information**
**Charity Name:**
WOMAN AND HER LOVER MINISTRIES
**Charity Registration :** 1162046 **Registered Office and** 48 Denmark Gardens **Operational Address:** Carshalton SM5 2JL **Trustees:** Pastor Cleopatra Florence Zulu Rev. Tochukwu Ambrose Nwadike Boniface Mambwe **Independent Examiner** TPC Consult (UK) Ltd Unit A 82 James Carter Road Mildenhall IP28 7DE
**Page 1**
## **WOMAN AND HER LOVER MINISTRIES**
## **Report of the Trustees for the year ended 30 June 2025**
The Trustees, are pleased to present the annual report together with the accounts for the year ended 30 June 2025
## **Structure, Governance & Management**
The Charity was registered with Charity Commission on the 5th of June 2015 with the name, Anchor of Faith Global Church. This now is changed to Woman and her lover ministries. Its governing document is a CIO Foundation constitution. The Charity is governed by a board of trustes who meets to plan activities and monitor and to review them.
## **Objectives & Activities**
The charity is established with a primary objective:
To advance the Christian Faith in accordance with its Statement of belief for the benefit of the public in United Kingdom and in other parts of the world, as the trustees may think fit from time to time. These objectives are charitable and our services are open to the members of the public. The Trustees confirm their due regard to the guidance issued by the Charity Commission on public benefits when deciding activities the charity should undertake.
## **Achievement in the period**
The Organisation continues to hold successful meetings throughout the year in which individuals were equipped and educated on the principles and doctrines of the Christian faith.
The charity has been instrumental in helping rebuild marriages, relationships, and dysfunctional families. The charity engaged in outdoor church activities designed to remote its goals and objectives. The organisation offered tuition classes to pupils which were used to raise funds for the charity. Bible study, some tuition classes, and some other activities took place at the registered address. The charity was able to work strategically and in partnership with other organisations for the public good.
## **Public Benefits Statement:**
Woman and her lover ministries is a family focused charity. As a result, most of our programmes are tailored towards the holistic development and support of the family unit. Training, confrences and workshop were held for the benefit of the church members and the community.
The principal funding sources for the charity are currently by way of donation. The total income for the period under review was £4467 and the total payments made £5203 with a net Income / (Payments) of (£489).
## **Future Development**
The church intends to continue to host its regular activities and weekly services in the communty. The trustees continues to found new ways of thinking and doing things. So, the charity is exploring new ways to achieve its objectives, in an effort to be more effective, resourceful, and prudent.
**Page 2**
## **WOMAN AND HER LOVER MINISTRIES**
## **Report of the Trustees for the year ended 30th June 2025**
## **Reserve Policy**
It is the policy of the charity to ensure unrectricted funds are kept at a level which provides sufficient funds to cover management, administration and support costs on an on-going basis. At least 3 months of Unrestricted expenditure is maintained, which provides sufficient fund to support emergency expenditure that may arise.
It is also its policy to keep any surplus liquid fund in short-trem deposits which can be readily acccessed and where the capital is protected. The objective of the investment policy is to maximise interest while limiting risk. This policy is adopted as the surplus funds are expected to be used in the near future to fund future committment.
## **Risk Management**
The Trustees have conducted a review of the major risks which the charity is exposed, in particular those to operations and finances of the charity. The Trustees review the risk regularly at their meetings and are satisfied that systems are in place to mitigate exposure to major risks at all time.
Appropriate Criminal Records Bureau (CRB) checks, supported by relevant training and regularly reviewed policies are made for all those who work with children or other vulnerable groups within the Charity. Where appropriate, systems have been estabalished to mitigate the risk the charity faces. Internal control risks are minimised by the implementation of procedures for authorisation of all transactions.
## **Members of the Board of Trustees**
Members of the Board of Trustees, and trustees for the purpose of charity law, who served during the year and up to the date of this report are set out on page 1.
In accordance with charity law, as trustees, we certify that:
So far as we are aware, there is no relevant information of which the company's accountants are unaware; and as the trustees of the charity we have taken all steps that we ought to have taken in order to make ourselves aware of any relevant information and to establish that the Charity's accountants are aware of that information.
## **Approval**
This report was approved by the board of Trustees and signed on their behalf by:
**Rev. Tochukwu A. Nwadike Trustee Date: 22/01/ 2026**
**Page 3**
## **WOMAN AND HER LOVER MINISTRIES**
## **Independent Examiner's Report to the Trustees of Woman and her lover ministries.**
I report on the accounts of the above Charity for the year ended 30th June 2025 set out on the following pages.
## **Respective responsibilities of trustees and independent examiner**
The Trustees are responsible for the preparation of the accounts. The charity's trustees consider that an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that independent examination is needed.
It is my responsibility to:
- examine the accounts under section 145 of the 2011 Act
- to follow the procedures laid down in the general Direction given by the Charity commission (under section 145(5)(b) of the 2011 Act, and
- to state whether particular matters have come to my attention.
## **Basis of independent examiner's statement**
My examination was carried out in accordance with general directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a 'true and fair' view and the report is limited to those matters set out in the statement below.
## **Independent examiner's statement**
In connection with my examination, no matter has come to my attention:
- 1.Which gives me reasonable cause to believe that in any material respect the requirements:
- To keep accounting records in accordance with section 130 of the 2011 Act; and
- To prepare accounts which accord with the accounting records and to comply with the accounting requirements of the 2011 Act have not been met; or
- 2.To which in our opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
---------------------------------------------------- Date: 22nd January 2026
Chioma John-Musa FFA, FIPA TPC Consult (UK) Ltd Unit A
82 James Carter Road Mildenhall IP28 7DE
**Page 4**
## **WOMAN AND HER LOVER MINISTRIES**
## **Statement of Financial Activities for the year ended 30th June 2025**
|**Notes**
**INCOME**
3
**Income from:**
Donations
Charitable Activities
Investment income
Other
**Total**
**Expenditure**
4
**Expenditure on:**
Raising fund
Charitable Activities
Other
**Total**
**Net Income / Expenditure**
**Other Recorgnised gain / (Loss)**
Gain on revaluation of fixed asset
**Net movement in funds**
**Reconciliation of Funds**
General Fund
**Total Fund carried forward**
7|**2025**
**2024**
Unrestricted
Restricted
Total
Total
Funds
Funds
Funds
Funds
**£**
**£**
**£**
£
4,467
-
4,467
-
-
-
-
5,809
-
-
-
-
-
-
-|
|---|---|
||4,467
-
4,467
5,809|
||-
4208
-
4,208
3,741
995
-
995
1,481|
||5,203
-
5,203
5,223|
||(736)
-
(736)
586|
||**-**
-
-
**-**|
||(736)
-
(736)
586
**-**
247
-
247
(339)|
||(489)
-
(489)
247|
**Page 5**
## **WOMAN AND HER LOVER MINISTRIES**
|**Balance Sheet as at 30th June 2025**
Notes
**Fixed assets**
Tangible assets
**5**
Total Fixed Asset
**Current assets**
Cash at bank and in hand
**6**
Debtors
**7**
**Total Current Asset**
Creditors: amounts falling due
**8**
within one year
Net Current Assets / (Liabilities)
**Total Assets less Current Liabilities**
**Creditors amount falling due after one year**
**Fund of the Charity**
**9**
Restricted Funds
Unrestricted Funds
**Total funds**|2025
2024
Unrestricted
Restricted
Total
Total
Fund
Fund
Fund
Fund
**£**
**£**
-
-
-
-|
|---|---|
||-
-
-
-
1,167
-
1,167
1,903
-
-|
||1,167
-
1,167
1,903
1,656
-
1,656
1656|
||(489)
-
(489)
247|
||(489)
-
(489)
247
-
**-**
**-**
-|
||(489)
-
(489)
247|
||-
-
-
(489)
-
(489)
247|
||(489)
-
(489)
247|
We approve the Financial Statement, which comprises the Statement of Financial Activities, the Balance Sheet and the related notes. We acknowledge our responsibility for the Financial Information including the appropriate appropriate appropriation applicable of the Financial Reporting framework as set out in the notes.
Signed on behalf of all the Trustees.
Name: Rev. Tochukwu A. Nwadike Position: Trustee
Date of Approval: 22nd January 2026
**Page 6**
## **WOMAN AND HER LOVER MINISTRIES**
## **Notes to the financial statements for the year ended 30th June 2025**
## **1. BASIS OF PREPARATION**
The principal accounting policies are summarised below. The accounting policies have been applied consistently throughout the year.
1.1 These accounts have been prepared under the historical cost convention with items recognised at cost or transaction value unless otherwise stated in the relevant note(s) to these accounts.The accounts have been prepared in accordance with the Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102), and with the Charities Act 2011.
The charity constitutes a public benefit entity as defined by FRS 102
1.2 Going Concern: The accounts are prepared on a going concern basis.
## **1.3 No changes to the accounting estimates have occurred in the reporting period.**
- 1.4 No material prior year error have been identified in the reporting period.
## **2. ACCOUNTING POLICIES**
This standard list of accounting policies has been applied by the charity
2.1 Recognition of Income
These are included in the Statement of Financial Activities (SoFA)
- the charity becomes entitled to the resources;
- it is more likely than not that the trustees will receive the
- the monetary value can be measured with sufficient reliability.
## Grant and Donations
Grants and donations are only included in the SoFA when the general income recognition criteria are met (5.10 to 5.12 FRS102 SORP).
Government Grant: When the charity has received government grants in the reporting period.
## Tax reclaims on donations and gifts
Gift Aid receivable is included in income when there is a valid declaration from the donor. Any Gift Aid amount recovered on a donation is considered to be part of that gift and is treated as an addition to the same fund as the initial donation unless the . donor or the terms of the appeal have specified otherwise.
Donated Goods: Donated goods are measured at fair value (the amount for which the asset could be exchanged) unless impractical to do so.
Volunteer help: The value of any voluntary help received is not included in the accounts but is described in the trustees’ annual report.
## **2.3 EXPENDITURE AND LIABILITIES**
## Liabilities Recorgnition
Liabilities are recognised where it is more likely than not that there is a legal or constructive obligation committing the charity to pay out resources and the amount of the obligation can be measured with reasonable certainty.
## Grants and Support Costs
Support costs have been allocated between governance costs and other support. Governance costs comprise all costs involving public accountability of the charity and its compliance with regulation and good practice.
**Page 7**
## **WOMAN AND HER LOVER MINISTRIES**
## **Notes to the financial statements for the year ended 30th June 2025**
## Creditors
Creditors are measured at settlement amounts less any trade discounts
## **2.4 ASSETS**
Tangible fixed assets for use by charity
These are capitalised if they can be used for more than one year. They are valued at cost.
## **Depreciation**
Depreciation is provided at rates calculated to write off the cost of each asset, less their estimated residual value over its expected useful life.
## Debtors
Debtors are measured on initial recognition at settlement amount. Subsequently, they are measured at cash.
## Current Assets
These include cash on deposit and cash equivalents with a maturity of less than one year
## **3. INCOME**
|Donation and Legacies
Donation
Tuition
Other
**Investment Income:**
Bank Interest
Total Income|**Unrestricted**
**Restricted**
**Fund**
**Fund**
**2025**
**2024**
**Total**
**Total**
**£**
**£**
**£**
**£**
4,467
-
4,467
-
-
-
-
5,809
-
-
-
-|
|---|---|
||4,467
-
4,467
5,809|
|||
||-
-
-
-|
|||
||4,467
-
4,467
5,809|
**Page 8**
## **WOMAN AND HER LOVER MINISTRIES**
## **Notes to the financial statements for the year ended 30th June 2025**
## **4. EXPENDITURE**
|Charitable Expenditure
Venue Hire
Travel & Subsistence
Printing,Postage & Stationery
Hospitality/ Refreshment
Consumables
Training - Books & periodicals
Music
Ministry Expenses
Admin
Welfare
Insurance & License
Telephone
Equipments expensed
Total
Support Cost
Volunteers Expenses
Media and website
Utilities
Other
Repairs
Depreciation
Total
Accountancy & Professional Services
Total Expenditture
**5. TANGIBLE FIXED ASSETS**
**COST**
At 1 July 2024
Additions in period
At 30 June 2025
**DEPRECIATION**
At 1 July 2024
Charge in period
At 30 June 2025
**NET BOOK VALUE**
At 30 June 2025
NET BOOK VALUE
At 1 July 2024|**Unrestricted**
**Restricted**
**Fund**
**Fund**
**2025**
**2024**
1,117
1,117
-
288
288
576
229
229
59
577
577
825
300
300
563
531
531
566
-
-
-
-
-
-
106
106
-
-
-
-
-
-
-
576
576
576
483
483
577|**Unrestricted**
**Restricted**
**Fund**
**Fund**
**2025**
**2024**
1,117
1,117
-
288
288
576
229
229
59
577
577
825
300
300
563
531
531
566
-
-
-
-
-
-
106
106
-
-
-
-
-
-
-
576
576
576
483
483
577|**Unrestricted**
**Restricted**
**Fund**
**Fund**
**2025**
**2024**
1,117
1,117
-
288
288
576
229
229
59
577
577
825
300
300
563
531
531
566
-
-
-
-
-
-
106
106
-
-
-
-
-
-
-
576
576
576
483
483
577|
|---|---|---|---|
||4208||4208
3741|
||-
695
-
-
-
-||**2025**
**2024**
-
0
695
698
-
0
-
483
-
-
-
-|
||695
-||695
1181|
|||||
||300||300
300|
|||||
||5203
-||5203
5223|
|||**Equipment**
**Furniture**
**2025**
**& Fitting**
**Total**
**£**
**£**
**£**
-
-
-
-
-
-||
|||-
-
-||
|||-
-
-
-
-
-||
|||-
-
-||
|||-
-
**-**||
|||-
-
-||
**Page 9**
## **WOMAN AND HER LOVER MINISTRIES**
## **Notes to the financial statements for the year ended 30th June 2025**
|6. CASH AT BANK & IN HAND
Cash
**7. DEBTORS**
Prepayments
**8. CREDITORS: Amounts falling due within one year**
Creditors
Accruals
**9. FUNDS**
General Funds
Surplus (Deficit) for the year
Total Fund|**2025**
**2024**
**£**
**£**
**£**
**£**
1,167
-
1,167
1,903|
|---|---|
||**2025**
**2024**
**£**
**£**
**£**
**£**
-
-
-
-|
||**2025**
**2024**
**£**
**£**
**£**
**£**
1,356
-
1,356.00
0
300
-
300.00
1356
-
0
300|
||1,656
-
1,656
1,656|
||**Unrestricted**
**Restricted**
**Total**
Total
**Fund**
**Fund**
**Fund**
Fund
**2025**
**2024**
**£**
**£**
**£**
**£**
247
-
247
586
(736)
-
(736)
(336)|
||(489)
-
(489)
247|
## **10. Trustee Remuneration & Related Pay Transactions**
None of the trustees have been paid any remuneration or received any other benefits from an employment with the charity or a related entity. All works was carried out by volunteers for whom the Trustees are very grateful to.
**Page 10**