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2025-12-31-accounts

Company registration number 09140549 (England and Wales) Charity registration number 1163741 (England and Wales)

JOEL COMMUNITY SERVICES

ANNUAL REPORT AND UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

JOEL COMMUNITY SERVICES

LEGAL AND ADMINISTRATIVE INFORMATION

Trustees Reverend H Foxwood
Mr P F Wolff
Mr D Parish
Ms G Burgess
Mr R Miller
Charity number 1163741
Company number 09140549
Registered office St Peter's Church
London Road
Kingston Upon Thames
KT2 6QL
Independent examiner Linda Dunford FCCA CTA
Warner Wilde Limited
Chartered Certified Accountants
4 Marigold Drive
Bisley
Surrey
GU24 9SF
Bankers CAF Bank Limited
25 Kings Hill Avenue
Kings Hill
West Malling
Kent
ME19 4TA

JOEL COMMUNITY SERVICES

CONTENTS

Page
Trustees' report 1 - 3
Independent examiner's report 4
Statement of financial activities 5
Balance sheet 6
Notes to the financial statements 7 - 17

JOEL COMMUNITY SERVICES

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) FOR THE YEAR ENDED 31 DECEMBER 2025

The trustees present their annual report and financial statements for the year ended 31 December 2025.

The financial statements have been prepared in accordance with the accounting policies set out in note 1 to the financial statements and comply with the charity's governing document, the Companies Act 2006 and "Accounting and Reporting by Charities: Statement of Recommended Practice 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)".

Objectives and activities

During the year, the trustees reviewed these objects and received permission from the Charity Commission to amend them as below:

Activities

Public benefit

The board has taken due regard of the guidance on public benefit published by the charity commission in exercising its powers and duties. It is confident that the aims of the organisation and allocation of resources fully satisfy the public benefit requirements.

Achievements and performance

Throughout 2025 we continued to provide premises and accommodation in St Peter’s Church Hall for Kingston Churches Action on Homelessness (KCAH; a local charity for the homeless). This enabled the many needs of homeless people in the Kingston upon Thames area continued to be met by the professional services offered by KCAH.

Also, in another section of the Church Hall known as The Joel Centre, we have been able to provide accommodation to four refugees who would otherwise have struggled to find local housing. These refugees were part of the community that attend St Peter’s Church, and by having them next to the church we were able to provide pastoral and practical support through St Peter’s church staff, volunteers, and KCAH staff. As part of that, we provided regular funding and opportunities for these and other Iranian refugees to cook together and show hospitality to others in the local community.

To provide a home for refugees, who themselves have a heart for hospitality, has felt like a fulfilment of the Scripture we have been praying over the Joel Centre: “A father to the fatherless, a defender of widows, is God in his holy dwelling. God sets the lonely in families, he leads out the prisoners with singing” (Psalm 68: 5-6).

We also provided grant for the refurbishment of a community space in the Archway Parish Rooms owned by St Peter’s Church. This enables St Peter's volunteers to address various needs on the Cambridge Road Estate through the provision of a community café, advocacy support and benefits advice, a toddler group, and other services.

JOEL COMMUNITY SERVICES

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

Financial review

Income was £73,846 as we continued to receive rent for the office space provided to KCAH and the sub-market rent charged to the residential tenants in the Joel Centre (which tends to be funded by universal credit). We also received a number of donations from individual donors, most of them ongoing, and some investment income.

Costs exceeded income at £77,705, slightly higher than the previous year’s £76,314. This included grant to replace old chairs and enhance the community space in the Archway Parish Rooms owned by St Peter’s Church, reflecting our second charitable object. This has enabled various needs on the Cambridge Road Estate to be more effectively adddressed through the provision of a community café, food bank, and other services.

Utility costs (mainly electricity) were £9,078, down from £11,888 the previous year following a change in service provider.

Interest costs (on mortgage loan) were £14,499, down from £16,673 the previous year, following a change in our mortgage provider so as to secure a lower interest rate.

Our actual holdings of cash and short-term investment were slightly lower, at £73,153, mostly reflecting expenditures exceeding income in 2025. Seeking higher investment returns, we moved £30,000 from the CCLA Deposit Fund to WS Epworth Global Equity Fund for Charities. We selected this based on Epworth’s positive reputation, a history of solid investment returns, and its ethical criteria. There was £620 gain on that investment as at 31 December 2025.

Our policy is to hold sufficient funds to cover six months of operating costs. This is designed to ensure that, in the event of a financial crisis, we can continue to meet our financial obligations.

Risk Review

The board assesses and reviews key risks periodically. During 2026 we will reassess our risks but the key risks are as follows:

Funding

We have a dependency on income from our main tenant (KCAH). On the other hand, we are also exposed to the rising mortgage rate on our loan.

Damage to reputation

We are associated with KCAH as the principal user of St Peter's Church Hall. We meet with them from time to time to discuss matters of mutual interest.

Risk of fire, flood or other environmental risks

We maintain appropriate levels of insurance and have reviewed the full requirements with our insurers.

Structure, governance and management

Joel Community Services was incorporated as a charitable company limited by guarantee on 21 July 2014 and is governed by its Articles of Association. It is registered with the Charity Commission in England and Wales with its registered office at St Peter's Church, London Road, Kingston Surrey.

The trustees, who are also the directors for the purpose of company law, and who served during the year and up to the date of signature of the financial statements were:

Reverend H Foxwood Mr C Clarke (Resigned 4 September 2025) Mr P F Wolff Mr D Parish Ms G Burgess Mr R Miller Reverend N Jones (Resigned 16 February 2026)

JOEL COMMUNITY SERVICES

TRUSTEES' REPORT (INCLUDING DIRECTORS' REPORT) (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

Governance

Our Board of Directors is responsible for overseeing the strategy and performance of Joel Community Services. The Board meets regularly throughout the year to consider, set and review strategies, policies, budgets, plans and performance.

The Board has not delegated any powers to formal committees, although specific task groups are formed as necessary with specific responsibilities.

Recruitment

Prospective directors are nominated by at least one current member of the Board in line with our Articles and with knowledge of the ways in which their experience might serve the interests of Joel Community Services. They are then interviewed by a panel of current directors to ensure that their motivations, skills and interests are consistent with the aims of the charity and, if so, to confirm the appointment.

Trustees new to the Board meet with the Chairman and other directors as appropriate and are provided with information and training to enable them to fully understand the mission and values of Joel Community Services.

All of the trustees are members of the company and guarantee to contribute £1 in the event of a winding up.

Management

The board manages the needs of the organisation directly, with some support from St Peter's Church staff.

The trustees' report was approved by the Board of Trustees.

.............................. Reverend H Foxwood

Trustee

Date: .............................................25th May 2026

JOEL COMMUNITY SERVICES

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF JOEL COMMUNITY SERVICES

I report to the trustees on my examination of the financial statements of Joel Community Services (the charity) for the year ended 31 December 2025.

Responsibilities and basis of report

As the trustees of the charity (and also its directors for the purposes of company law), you are responsible for the preparation of the financial statements in accordance with the requirements of the Companies Act 2006.

Having satisfied myself that the financial statements of the charity are not required to be audited under Part 16 of the Companies Act 2006 and are eligible for independent examination, I report in respect of my examination of the charity’s financial statements carried out under section 145 of the Charities Act 2011. In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the Charities Act 2011.

Independent examiner's statement

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

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 financial statements to be reached.

Linda Dunford FCCA CTA

Warner Wilde Limited Chartered Certified Accountants 4 Marigold Drive Bisley Surrey GU24 9SF Date: ............................26/05/26

JOEL COMMUNITY SERVICES

STATEMENT OF FINANCIAL ACTIVITIES INCLUDING INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED 31 DECEMBER 2025

Unrestricted
Restricted
funds
funds
2025
2025
Notes
£
£
Income from:
Donations and legacies
3
11,152
-
Charitable activities
4
60,704
-
Investments
5
1,989
-
Total income
73,845
-
Expenditure on:
Charitable activities
6
75,854
1,850
Total expenditure
75,854
1,850
Net gains/(losses) on
investments
11
620
-
Net expenditure and
movement in funds
(1,389)
(1,850)
Reconciliation of funds:
Fund balances at 1 January
2025
584,651
82,533
Fund balances at 31
December 2025
583,262
80,683
Total
Unrestricted
Restricted
funds
funds
2025
2024
2024
£
£
£
11,152
10,484
-
60,704
62,136
-
1,989
2,519
-
73,845
75,139
-
77,704
74,464
1,850
77,704
74,464
1,850
620
-
-
(3,239)
675
(1,850)
667,184
583,976
84,383
663,945
584,651
82,533
Total
2024
£
10,484
62,136
2,519
75,139
76,314
76,314
-
(1,175)
668,359
667,184

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

JOEL COMMUNITY SERVICES

BALANCE SHEET

AS AT 31 DECEMBER 2025

Notes
Fixed assets
Tangible assets
13
Investments
14
Current assets
Debtors
15
Cash at bank and in hand
Creditors: amounts falling due within
one year
17
Net current assets
Total assets less current liabilities
Creditors: amounts falling due after
more than one year
18
Net assets
The funds of the charity
Restricted income funds
19
Unrestricted funds
20
2025
£
£
807,251
51,032
858,283
6,977
22,121
29,098
(13,615)
15,483
873,766
(209,821)
663,945
80,683
583,262
663,945
2024
£
£
820,759
55,413
876,172
3,786
20,779
24,565
(11,829)
12,736
888,908
(221,724)
667,184
82,533
584,651
667,184

The company is entitled to the exemption from the audit requirement contained in section 477 of the Companies Act 2006, for the year ended 31 December 2025.

The directors acknowledge their responsibilities for complying with the requirements of the Companies Act 2006 with respect to accounting records and the preparation of financial statements.

The members have not required the company to obtain an audit of its financial statements for the year in question in accordance with section 476.

These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies regime.

18th May 2026.

The financial statements were approved by the trustees on .........................

.............................. Reverend H Foxwood

Trustee

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2025

1 Accounting policies

Charity information

Joel Community Services is a private company limited by guarantee incorporated in England and Wales. The registered office is St Peter's Church, London Road, Kingston Upon Thames, KT2 6QL.

1.1 Basis of preparation

The financial statements have been prepared in accordance with the charity's governing document, the Companies Act 2006 and "Accounting and Reporting by Charities: Statement of Recommended Practice 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)". The charity is a Public Benefit Entity as defined by FRS 102.

The charity has taken advantage of the provisions in the SORP for charities applying FRS 102 Update Bulletin 1 not to prepare a Statement of Cash Flows.

The financial statements are prepared in sterling, which is the functional currency of the charity. Monetary amounts in these financial statements are rounded to the nearest £.

The accounts have been prepared under the historical cost convention. The principal accounting policies adopted are set out below.

1.2 Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.3 Charitable funds

Unrestricted funds are available for use at the discretion of the trustees in furtherance of their charitable objectives.

Restricted funds are subject to specific conditions by donors as to how they may be used. The purposes and uses of the restricted funds are set out in the notes to the accounts.

Endowment funds are subject to specific conditions by donors that the capital must be maintained by the charity.

1.4 Income

Income is recognised when the charity is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received.

Cash donations are recognised on receipt. Other donations are recognised once the charity has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Legacies are recognised on receipt or otherwise if the charity has been notified of an impending distribution, the amount is known, and receipt is expected. If the amount is not known, the legacy is treated as a contingent asset.

Grants are recognised once the charity has been notified of the grant unless performance conditions require deferral of the amount.

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

1 Accounting policies

(Continued)

1.5 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably.

1.6 Tangible fixed assets

Tangible fixed assets are initially measured at cost and subsequently measured at cost or valuation, net of depreciation and any impairment losses.

Depreciation is recognised so as to write off the cost or valuation of assets less their residual values over their useful lives on the following bases:

Freehold land and buildings 2% straight line Fixtures and equipment 25% straight line

Assets in the course of construction are not depreciated.

The gain or loss arising on the disposal of an asset is determined as the difference between the sale proceeds and the carrying value of the asset, and is recognised in the statement of financial activities.

1.7 Fixed asset investments

Fixed asset investments are initially measured at transaction price excluding transaction costs, and are subsequently measured at fair value at each reporting date. Changes in fair value are recognised in net income/(expenditure) for the year. Transaction costs are expensed as incurred.

1.8 Impairment of fixed assets

At each reporting end date, the charity reviews the carrying amounts of its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any).

1.9 Cash and cash equivalents

Cash and cash equivalents include cash in hand, deposits held at call with banks, other short-term liquid investments with original maturities of three months or less, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities.

1.10 Financial instruments

The charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the charity's balance sheet when the charity becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets are initially recognised at transaction value and subsequently measured at their settlement value.

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

1 Accounting policies

(Continued)

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price and subsequently measured at their settlement value.

Derecognition of financial liabilities

Financial liabilities are derecognised when the charity’s contractual obligations expire or are discharged or cancelled.

1.11 Employee benefits

The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

Termination benefits are recognised immediately as an expense when the charity is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

1.12 Redundancy costs

Redundancy costs are recognised when the Charity is committed to terminate employment.

2 Critical accounting estimates and judgements

In the application of the charity’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 to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

3 Donations and legacies

Unrestricted Unrestricted
funds funds
2025 2024
£ £
Donations and gifts 11,152 10,484

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

4 Income from charitable activities

Unrestricted Unrestricted
funds funds
2025 2024
£ £
Charitable activities
Charitable rental income 59,184 60,133
Other income 1,520 2,003
60,704 62,136

5 Income from investments

Unrestricted Unrestricted
funds funds
2025 2024
£ £
Interest receivable 1,989 2,519

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

6 Expenditure on charitable activities

Charitable Charitable
activities activities
2025 2024
£ £
Direct costs
Depreciation and impairment 13,507 14,855
Utilities 9,078 11,888
Admin expenses 16,765 13,429
Miscellaneous expenses 1,860 3,659
Insurance 3,062 2,714
Maintenance, repairs and equipment 5,329 1,630
Refugee expenses 3,078 2,774
52,679 50,949
Grant funding of activities (see note 7) 9,324 7,300
Share of support and governance costs (see note 8)
Support 14,499 16,673
Governance 1,202 1,392
77,704 76,314
Analysis by fund
Unrestricted funds 75,854 74,464
Restricted funds 1,850 1,850
77,704 76,314

7 Grants payable

Grants payable
Charitable Charitable
activities activities
2025 2024
£ £
Grants to institutions:
St Peter's Norbiton (Archway parish rooms) 9,324 6,400
Grants to individuals - 900

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

8 Support costs allocated to activities

Loan interest and charges
Governance costs
Analysed between:
Charitable activities
2025
£
14,499
1,202
15,701
15,701
2024
£
16,673
1,392
18,065
18,065

Governance costs includes payments to the independent examiner of £1,434 (2024: £1,392) for accounts preparation and independent examination.

9 Net movement in funds 2025 2024
£ £
The net movement in funds is stated after charging/(crediting):
Fees payable for the independent examination of the charity's financial
statements 1,434 1,392
Depreciation of owned tangible fixed assets 13,507 14,855

10 Trustees

None of the trustees (or any persons connected with them) received any remuneration or benefits from the charity during the year.

11 Gains and losses on investments

Unrestricted Unrestricted
funds funds
2025 2024
Gains/(losses) arising on: £ £
Revaluation of investments 620 -

12 Taxation

The charity is exempt from taxation on its activities because all its income is applied for charitable purposes.

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

13 Tangible fixed assets
Freehold land Fixtures and
Total
and buildings equipment
£ £ £
Cost
At 1 January 2025 935,364 3,439 938,803
At 31 December 2025 935,364 3,439 938,803
Depreciation and impairment
At 1 January 2025 114,606 3,439 118,045
Depreciation charged in the year 13,507 - 13,507
At 31 December 2025 128,113 3,439 131,552
Carrying amount
At 31 December 2025 807,251 - 807,251
At 31 December 2024 820,759 - 820,759
14 Fixed asset investments
Listed
investments
£
Cost or valuation
At 1 January 2025 55,413
Valuation changes 619
Disposals (5,000)
At 31 December 2025 51,032
Carrying amount
At 31 December 2025 51,032
At 31 December 2024 55,413
15 Debtors
2025 2024
Amounts falling due within one year: £ £
Provision for doubtful debt - (3,256)
Other debtors 6,977 7,042
6,977 3,786

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

16 Loans and overdrafts

Bank loans
Payable within one year
Payable after one year
Amounts included above which fall due after five years:
Payable by instalments
2025
£
220,525
10,704
209,821
145,261
2024
£
231,039
9,315
221,724
153,501

The long-term loans are secured by fixed charges over the property known as St Peter's Church Hall, London Road, Kingston-upon-Thames.

In January 2024, the charity refinanced the CAF bank mortgage with a loan of £240,000 from Kingdom Bank over a repayment period of 15 years at an interest rate of 6.55%. During the year, repayments averaged £2,080 pcm (2024: £2,136).

17 Creditors: amounts falling due within one year

17
Creditors: amounts falling due within one year
Notes
Bank loans
16
Accruals and deferred income
18
Creditors: amounts falling due after more than one year
Notes
Bank loans
16
2025
£
10,704
2,911
13,615
2025
£
209,821
2024
£
9,315
2,514
11,829
2024
£
221,724

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

19 Restricted funds

The restricted funds of the charity comprise the unexpended balances of donations and grants held on trust subject to specific conditions by donors as to how they may be used.

At 1
Joel Community Trust
Phase 2 Redevelopment
Bed spaces
Previous year:
At 1
Joel Community Trust
Phase 2 Redevelopment
Bed spaces
January
2025
Resources
expended
At 31
December
2025
£
£
£
52,500
(1,250)
51,250
26,101
(600)
25,501
3,932
-
3,932
82,533
(1,850)
80,683
January
2024
Resources
expended
At 31
December
2024
£
£
£
53,750
(1,250)
52,500
26,701
(600)
26,101
3,932
-
3,932
84,383
(1,850)
82,533

Joel Community Trust: Building fund

Phase 2 redevelopment: Building fund

20 Unrestricted funds

The unrestricted funds of the charity comprise the unexpended balances of donations and grants which are not subject to specific conditions by donors and grantors as to how they may be used. These include designated funds which have been set aside out of unrestricted funds by the trustees for specific purposes.

At 1 January Incoming Resources Gains and At 31
2025 resources expended losses December
2025
£ £ £ £ £
General funds 584,651 73,845 (75,854) 620 583,262

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

20 Unrestricted funds (Continued)
Previous year: At 1 January Incoming Resources Gains and At 31
2024 resources expended losses December
2024
£ £ £ £ £
General funds 583,976 75,139 (74,464) - 584,651
21 Analysis of net assets between funds
Unrestricted Restricted Total
funds funds
2025 2025 2025
£ £ £
At 31 December 2025:
Tangible assets 731,401 75,850 807,251
Investments 51,032 - 51,032
Current assets/(liabilities) 10,650 4,833 15,483
Long term liabilities (209,821) - (209,821)
583,262 80,683 663,945
Unrestricted Restricted Total
funds funds
2024 2024 2024
£ £ £
At 31 December 2024:
Tangible assets 742,158 78,601 820,759
Investments 55,413 - 55,413
Current assets/(liabilities) 8,804 3,932 12,736
Long term liabilities (221,724) - (221,724)
584,651 82,533 667,184

JOEL COMMUNITY SERVICES

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2025

22 Related party transactions

Transactions with related parties

During the year the charity entered into the following transactions with related parties:

Joel Community Trust (JCT), an associated charity, made a general donation of £5,000 to Joel Community Services.

Joel Community Services paid £18,465 to St Peter's Norbiton for contributions to staff costs and other support in line with the charity's objectives.