Redeemer Croydon Trust
Reports & Accounts
Financial Year Ending 3111212025
Contents
Legal & Administrative Detsils
Trustees Report
Independent Examiners Report
Receipts & Payments Statement
K%set & bability Statement
Notes to the Accounts
c￿are￿ usiThg Expensemus

Legal & Administrative Details
Charity Name..
Redeemer Croydon Trust
Charity Number..
1164555
Charity Address..
School House
Selboume Road
Croydon
CRO 5JQ
Trustees..
Virtoria Paxton
Rarnona Ramsahadeo IResigned IDiion0251
Jack Popplewell
Anne Knightly (Appointed ion0120251
Independent
Examiner.
Stephen D S Baker ACA MAAT
Westlands Chartered Accountsnts
Office Suite 8 Mcmillan House
6 Wolfreton Drive
Anlaby
East Yorkshi
HUIO 7BY

Trustees Report
Objects of rhe charity
The ob,"ect of RCT is su
and such o".her parts o
rknng Redeemer Croydon Church for t4e wNic benefft and rhè advancernent of the Christian faifh in Croydon,
the Vnited ￿ngdoM and thÈ worfd as the Charty trustees rnay from bme to Dme decide.
Summary af the charity's main attwities and achievements
To furthpr ttTe above objects and the chariws main acbvitses achie¥ements were as follow5.'
Advancement of the faith for the wblic benefit ano the advancernent of the Christian faith in Croydon..
All tre5e are open to the whole IDcal Croydory community and many are aV.eodeO online by those in the UK and ftsrther afidd.
Redeemer has a number of Sunday ministries such as the Sunday aftemwn service induding chil¢*n's
youth group that meets )Iweekly afterwards. It also has several weekday minisiries. notably". Seminar
roups trom age 0-11. with
eries aimed at dIffe￿￿.t ages
and stages of life to better equip peopl& to foster good habits and e[￿OUrage each other. In 2025 these were held forthose who are
parents. Short tem sessions wit￿. the lead pastor fo." Ir.comiryg new congregants to act as an or￿tatIOn and enable social'n*erso
Jnteractions with other5 . Men's aTh1 wornep.'s ministries. such as teach..ng. rraining and 5DcwI act'"vitie5. A new men's regular
launched, meeting once a month. . 'Growth. Discipleship ano Fellowship Grrxjps. who meet royether on è wee￿Y basis to stu
roup was
Bible. nawgate life royether. and a Portuguese-lan
convef5ations on current affairs and wider topics o
Uage group. . A new discussion group ￿aS 5tsrted by members in order to
the
11lteresL
roaden
Other events include termly membership meetings. membership courses for pr05Fecbve membw5. youth group so(￿)[ events. and an
annual retreat Ikst hetd In May 2025 wifh an external speakerl.
During 2025. ou. youth volunteering prograrn.me has contirued. affoTdiw the youth an OOPDrtuni
oge-appropriate contexts across the differeryt Sunday volunteerir.
expe"ience several areas, as well as have aduir ro￿ Tr.ode6 9et a
roles. They car. join a rotation
to levelop skilk and teamwork in
gside thern. ￿fe9￿r￿1
programmÈ allowing them to
? safety stops a￿ in placefor tt)is
Interèttwjn with the congregation and so far three youths eftioy volJnteerip.o ir. the band. an
in the abdio tech team.
We held widely atrNended Good Friday, Eastersunday & O)ristrna5 carol seryices, including a children's c￿1r, ènd a Christmas Eve
semce. There %Yas also a baptisrTr 1.7 summer.
The rheTr.e'.or 2025 was'Hospirali
those experiencir¥J loneliness or
. We have been ercoura9in
er Mental health sirug9les.
i￿￿aSed social conracL aimi
e contrnue wit.* wular'Bring
ate better communty, help
Snare. meals after church several
Sundays a year. some of are des.gn3ted as'Wth1d' Meals where attendees bnng foods from the.'r countries and Cultures to
cÈlebrate our muifi<uknral comrnuni
broaden rhe community SPlTIt. parbcu
ano broadep understan¢ing through 5.larirvJ meals of attendÈes' backgrounds. To further
between people wanting to host Sunday
to welcorne De%Ycomers. is an initiative called Hospitality &Jn(tsy. )'rnatch-making' scheme
unch and those want.ng to attend a5 guests.
Teaching and trainin
teaching young peop
are pmvided
about the 8ib
.e church in a number o.. way& Including= . The children's ministry on a Sl'nday moming.
Pa￿Oral work of the staff team in SUDPOrting mernbers of Redeerner, in oerson where possible.
online •no via many forrn5 of comtnunication Adhoc men's Bible ￿.d
Groups. ministriÉs or servite5. both in the fo'.m of training and material group . Support provioed to tne volunteers who lead 'Growth
S. Annual safeguarding traJnin9 fvr those woMn9 Y41th teams,
childrén and vulnerable adyks. Sharing of materials from rrèining oryanisaDons suth ctrm1￿On. Comhill. The Proclarnation Twsr and
FIEC.
Our Lead Pastor. with c￿)SIderable experiwce in pre¥hing. teachin9 and astordl ca￿. has bro ht a hi
a number of teaching Seri￿ on SuThJays and in small groJpllonl 5ettin9S.
e Lead Pastor was a
itiona
h quality of te3ching through
y able to benefit from a short
sabbatical to provide hirn with tyme for.Iis ovln further Studies and attendarKe of conference5. He was supported in the teaching and
preaching by a numbet of experlenced church pJember5. a5 well as extemal qualified teachers and pastors ¥iith I'.nks ro Redeemer
Croydon via the FIEC or Evangelical Alliènct networks. All guest speakers are wdmcnown to us aTh1 vetted.
The website and YouTube C￿.8￿￿e1 continve co be updatsd in order'o reach out:0 the local community ap.d to be a ￿$OuTe for
Chnstian material and Biblical teaching. We ￿ve goi￿d a YouTube volurbteer, who Is working w rnaking the channel as accessible as
possible to all.
Additional pastoral Supp￿ ￿ ￿￿V￿ged for member5 of the Congregabon suffering illness, mental Illne55 or signiffcant soci￿ConOMiC
Issues. Volunteers also o
focus on prathcal aid to
anise meèl rotas a.ryd housework roras forthose in need for support. The support group whith was created to
e elderty In wr congregatiM cor.t.nLes.
Redeerner supports a ministry sch￿1 in the Gambia vrd a UK thantaNe oryanisatim living Word Ministries land pre<ovid ran annual
overseas ms510nary tnps which are expetted to resumel. The dTrurch also ha5 In-house rnis510nariesfrom a UK or9ènisation. London
Cit M.s5ion. who do cYJt.￿ach In. the local sch￿1$. We also sdppoped a c.iurch ry￿be.. in a short tem) illis510n trip to Sierro Leone
on
oard a ship of the UK chanty. Mercy Ships UL which deploys h05Prtal ships to the poorest nat￿ll5,
Redtemerfs sts¢ial media and YouTube channel ￿ widdy acc*5ed b congregation, ￿tal £orr,rr,unty. in the UK ènd overseas. Our
online seroices sI￿e then Into 2025 saw a number of Deop￿i￿n us
ive from across the UK and overseas. Many of these non-local
visitors have contynved to use our digitel r￿Q￿r(e* Our 50cial media has had a ￿d￿ttl￿n In posting freuuency. bur this Is targeted to
rewve next year.
In budgetiw for activities for the year. trus￿$ have had to the guitsnce issued by the Charity Commission on public benefit.
Over 2025. the contribution from 65 volJnteers at Redeerner Croydon pkyed a la
there were 6? mernber5, man of whom Served on teams includin9.. Su.*day Sc
contrlbution to ￿he church. In the reporting penod.
and Sound Teèms Recording
& Youth Grou
eatn Retreshrnents Teary Small G".oup I'Growth Grou?,) Leadets El
Wekome Team Set Up Team Music
erty Care Team Baby Grovp5
Supporting the work of Aedeemer Cmydon
Redeemer Croydon Trust lotiks to eJ)sure tr.at there are a variety of opkxirtuiities f￿ cornmunty members to meet together and
participate In churc.1 life. Tris provision Is tailoreo to rneetthe needs of è diverse Congregat￿ of drfferent ages, cuthre5 and
educational backgrounds.
We continue to meet at a local Secondary school. ArchbisM)p Ten￿.5 Church of England Schoc4 and have built good links with thetn.

The Children's offering cDntinues ro grow and four groups are offered.. Tots (Pr&S(ho￿. Nurwy & babiesl. knds IRtteption to ￿),
Unlo￿ IY3.61 an(J You h Y7+.
e children espècially enjoyed diverse learning opportunities. special Christmas and Easter actiwties and parties. Overthe summer
they are offered a special programme and helo is givep. to all as ￿eY gTrdua=e dp to the next
serve on team5 in an ag¥ppropribte capacty ènd help at child..en's etrents. Ip. addition, fi'eld trips a,
retsp. YoJth are encourtged to
beer. oyered to help the teens bond ar.d enjoy a range of actsvities.
other midweek events have
Asitle from the
members oftr.e c
ular Sunday rneebngs. growth gr¢ups rneet we￿. on a montNy ba&s prayermeetings are held to prowdè adu
urth an opporttjryity for quiet contemplatyon and Drayev. We ￿.ave beefj encouraging the congregaticffj to MO￿ widely
use our Churchsuite app for broalfening their communides an¢ invitip.g friends fa￿.11Y In Croydoi.
m￿S10Th3ry support Redeemer sbpporrs a ministry schwl in the Gam.bia axl this was ￿sIted by teams from the church in 2018. 20L9 &
2020. R￿Ular update5 are sha￿d with the congregabon on Sunday5 and at monthly prayer methngs. We also have links to London Qty
M15sion and more recently Increa￿n9 with other churches In the GFM15s￿n netwo*.
Relief for those stfftering hardship aThl physical distre55
Pastoral and financial support is on offer at the discretion o! tne ejders and trU￿ee5 to those in a position of disadvantoge and hardship,
including church 2ttendees SLrffering bylth add".ct.'on and 5enous famity soual issue5.
Redeemer continues to care particulai
those S￿fferir￿ Social issues, illness an
for members in Treed of regular pastordl care. Pastoral srafl ond volunteers provide su
financially.
bereavement, as well as laryJer lrfe events Whe￿ herp is needed practically. wnokn'onal
Operatlons
port for
yor
In 2025, we made regular rts aurfinandal apd prKkncal operabons. CK'r CRM systems are Tegul8rt updated for better triember
volunteer n)anagement. further ac.ess was afforded to key member5 to better marhage processes. Gi
continued within our ChurchSui%e
aid processin
as
incre￿ed via the pla
lattomi, a5 well as managerne?t of attendap.ce recoros volunteer rot&5. PFanning
services was
orrn which allows for better fvricboning of services. SOMÈ volunteer rotss have been optimi8ed and
to further.acilitste CDntinuws service.
Poliry & procedural updates were made to the Expenses Policy to irKIuLle a Section on investments. The Safeguarding Policy was
reshared to all existiry rnernbe￿ bnd a150 to all new starters oft £h.Idren'5 ano other rElevant team5.
We conbnuall
operation of t
evaluate our technokgi.al sy5terns. to allow for a better quality'.n the wxIe"..￿c*1fKJ hybrid in-person and digital
e churcb. to reach the community rrwe effectivdy. Conshleration is b?ng gNen to the use of appropriate Al platforn￿ for
our needs and systems.
Annu31 safeguardirrtj training Y4as conducted ftsr all relevant staff. irustees and volunteers. The Safeguarding Policy. child￿l'S Ministry
Expertations and the Energency Procedures Poli<y for OUT venue were shared wth relevant people. WalkiÈ tslknes are used onsite to
ensure good commuThKatron for needs of the children's fDorns on Sunday5.
In plannin9 the acti¥i(ie5. the tru5tee5 have the guidar*e on public b￿￿ft tssueL( by thE Charity COMMI￿On.
automate
Finènctal ReV￿W
The Redeemer policy on Reser¥os stste5 that Redeemer must maintain a balance wh￿h equates to at least three months unrestrltted
payments.
Reserves are held to ensure avallability of an Internal source of f￿ndS to cover sltuatlons such as..
An unanticipated loss ￿ redurtion in regular income. * &gThificart. Ca>1 fl.ow fluctuations. . A sJJden irKreèse ip. expenditure. One-
off unbudgeted expenses.
The aim is to ensure stabili
dvance the objects of the
Tfve Operatin9 Reserves are noi intended to replace a perrnanen: bss of funds or eliminate ali ongoing budget gap. Rather they are
the￿ to provide time. Wtre￿ necessary, for attiop to to raken to obtain addityonal funding reduce fvrtheT eXpeThfj1tu￿ and revise
as5umprions In line wrh affordability-
It Is the intention ol rhe Fledeemer C￿YdOn Trustees that any Reserves uolised sh¢uld be replenished within a reasonably short periot1
of time.
in thè Operat￿ of Redeemer Croyd(m. parriculafy in respect of the employment of staff enga9ed to
rus
The prirnary source ofgi￿￿g is voluntsry donations from thè ￿￿MberShip Iwth recovery of ￿r￿ated Gift ￿dI. A Secondary source is
extemal giving.
The accounts cover all the church's actiVi%ie5 including. txjt not l."mited to. Sunday worslip Services, staff financial packages. all events
and premises rentsl. chantrdble donations to miwon partners, congregational and external Incomè from giving.
Savings accounts rates in the lowering Inte￿$t ￿te enwrnnn*r.t were re-evaluated to ensu￿ the best availabte rate for the savings
and one account is beiw switched again to a higher rate. The raisiNJ of the FSCS limit ha5 ber.efited our accounts to minimise
Institutsonal failure risks. Our accounts are nor.etheless held or.ty wit-. reputable. ¢5taNished financial wov¥Jers.
The purchase of a church tnanse was continued io be considered during this avenues of fiJndin9. Jt ￿ the desire of the
Trust to aCt￿elY pur5ve sustainable usage for its funds and conrip.ues to indude th6 in discusgon5.
Durin
endo
2025, rotsl Incorne was fL80.55412024.. £I962081 and totsl ExpeThditure was £171.53L12024= £L65.2911, the cash funds at the
the year We￿ up CoMpa￿d to last year.
Reserves Policy
The Redeerner policy on Reserves state5 that Redeemer rnust rnaintain a ba￿n￿ which equate5 to at knst three months uThrestrirted
payment5.
Reserves a￿ held to ensure availability of an internal source of fvnd5to coverywation5 suth as.. An Unanticipated knss or reduttion in
regular Income. • S￿nI￿ant cash fflow flurtuaiion5. . A sudden Increase In expenditure. . Onwff unbudge.ed expenses.

The airn is to ertsure stabili
advance the objects of the
The Operarin9 Resenfes are not intended to replècE a perrnanent ￿5$ of funds or eltminate an ongoing budget gap. Rather they are
there provide".Ime. where necessary, for action to be tarfeTh to ot*ain addtsonal fu￿l￿g andlor red&e further expenditure and revise
assumptions In line with affor4Jability.
It is the ir¥tention of the Redeemer Croythn Trustees that any ReseNes utilised sh￿Id be replenshed within a reasanably short period
in the Operaty￿ of Redeemer Croydon. particularly in ￿pett of the employment of staff Engaged to
rusL
The level of reseNes is monitored regularfy and reported to the tru#ees for revie* at each of th*r meeting& At the report year end
?025 the level of Ehe reserves st￿d at the equivalent of 25 rTh)nths ex￿nd[￿￿.
Signature
Thls ￿pOrt wa5 opproved by the trustees. and t5 S19r￿ ￿ their behawby:
Victoria Paxton
Name
&9n¥bJre
VPaxton
Dat
6 September 2026

Independent Examiners Report
l ￿pOrt to the trustees on my examination of the accounts of Redeemer Croydon Trust (Yhe charrty'l forthe year ended 31112ft025.
Re5per.sibilities and Basis of Report
As the trJsiees of the cha.Tty you a￿ respc>n5rlAe for the preparation of the accounts in accordance with the requirernents af the
ChantE5 Art 20111 thÈ 2011 Att'l.
I repm in respecr of tny examination olthe charLy's accounts carried out under settion 145 of th¢ 2011 Act and in carryin
examin8bon I have followed all.he applKable Directsons g.ven by rhe cha.rty CormL5SiOTr under 5ettion 1451Sllbl of the 28
out my
Ll ACL
In%Jependent Exarninefs Statement
I have completed m
examination. I cop.firrn that llD Material mattu5 have come ts my attentioy in connection byith the examination
giviry me cause to ¥elieve tha: In any matenal ￿SpeCt..
l. accounting records were not kept in accordaKe with section 130 of thè 2011 Att.. or
2. the iccotsnts do no: accord with the aCCOLnting recrffts.
I have no concerns and have come across nts other matters in Connett.￿n ￿th the exaniination tD whith attention should be drawn In
order to enable a proper understanding of thÈ acknoijnts to be reached.
Irndepend￿t Examinerfs Details
Name,.
Stephèn D S BakerA(J MAA7
Address..
viestlands Chartered kcountsnts
Offvce Suite 8 Mcmillan House
6 Wolfreton Drwe
Anlaby
East York%hi
HUIO 7BY
Trlame
S-rcA<6rf rs S ALA NA4f
Signaiure
Dare

Receipts & Payments Statement
PriorYeèF
Re¢eip'.5
26232
Laans Received
OtherlncD
466
anttsupport serwi
273
Bankrharg
r¢h even
t.￿1
7.24$
EmployThe￿tc0sts
lfisuranc
110.667
33S
335
MinrSt¢y. Sta￿ ènd Irainingco
Vpnue aDdoffice hire
7.68D
6.881
32273
30m3
1297
631
YOU￿ ¢hlWren'5￿Dr￿
Support
Ofher
Loafis Repai
9)J23
9.023
30.>17
TOLalCa5h
3S9JY
16ts98
386,15?
577,￿9
Genetsi iunre5trittedl
PrDpeTty Fund IR#trKtrJi
369J54
369.554
3tO.531
16J98
16.598

Asset & Liability Statement
Cash A55ets
369 554
16.598
386.152
Other Monetary Assets
TDts
Pnoryear
SIKk
Other
Investment Assets
Tutai
Im￿crIlertACc0Unts
Other
Fixed Assets
Totsi
Year
P4u51c & PIEquipment
Computsr5 & rr
Funiiture
Liabilities
Totsi
PfiorY¥r
Pension Paym￿1 (hvE
RC Phymnrsokyed
In¢epÈn¢entEx¥nJnèDDn FEer
Othe
Signature
These accounts have been approved by the trustees. and a￿ signed on their beha￿bY..
Name
Victoria Paxton
Signature
VPaxton
Date

Notes to the Accounts
Accounting Policies
The accounts have been prepared on a receipts and payments basis and comprise a statement that shows the charity's receipts and
payments. a statement th8t sumrnarises the chanty's assets liabilities and related notes. The bccountancy profession h3ve
determined that only accounts prÈpared In accordance with applicable acceunting Standards present o'tnje and fair view and. a5 these
receipts and payments 8ccounts ttave not land cannori be prepared In accordance wrth accounting Standards. these accounts do not
p￿sent land a￿ not Intended to presentl a Irue and fair view of the charity's financial activities and state of affairs.
General fvnds are Un￿stricted fvnds which a￿ available for use at the discreDon of the trustees in furtheryJnce of the general objectives
of the charity. Designated funds cornprise Un￿$t￿Cted funds that have been set aside by the trustees for particular purp05e5. Restricted
funds are donarions which are to be used in accordance with spKific r￿th0n5 imposed by donoTS.- tw include donatsons received
from appeals for specific activities or preiects.
Transactions ro Related Parties
No amounts were paid or a￿ payable to any trLStee orto any PU50n connetted to them.
The chari
they coul
inCUr￿d expenditure Isee belowl in ￿$pert of the provtsion of accommodat￿ Iwhich is customary for rninistersl $0 that
better perform their d￿1
Breakdown of employment cosrs..
Salaries £66,902 N.I.C. El.391 Pension £5,341 HousiThJ £37.033
Total £110,667
Payroll Admin £656
Total £111,323
One employee ￿e1Ved salary and benefits between £60K and £70
Movement of Funds
funJFlame
BaL7￿¢
v.i)4
TOTAL
36Q.531
3th531
L80.554
nre￿rittell To
IEO.554
171531
369J54
Proporty Fynd IApstri(iettl
TOTAL
286.152