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2025-06-30-accounts

CHARITY COMMISSION FOR ENGLAND ANO WALES Trustees, Annual Report for the period From July 2024 To June 2025 Charity name: Zeo Church Charity registration number: 1164774 Objectives and Activities SORP r8fer8nc8 Summary of the purposes of the charily as set out in ils governing document Para1.17 The main activities of the trust centred around demonstrating God's love and care, mainly to the people of Hitchin and surrounding area, but also to the wider World. This is done both through the more conventional church work and through a variety of community activities. Summary oflhe main activities in relation lo those purposes for the public benefit. in particular, the aclivities. projects or services identified in the accounts. Para 1.17and 1.19 Activities carried out include'.- 1. Regular gatherings to worship and explore the Christian faith including micro-churches and celebrations. 2. Various youth and children's activities and clubs. 3. Specific programmes and events to support men, and women, including weekends away for men and inspirational brunches for women. 4. Support of various international initiatives lo countries such as Moldova, and Mexico. 5. Support to the under privileged in our local community including food parcelslvouchers, and Zeo Community fund 6. Visiting and meeting the needs of Senior Citizens, many of whom no longer have contact with their families. 7. Providing support, help and counselling for marriages and families, helping families to thrive in life. 8. Support of those in poverty and debt, through our affiliation to the charity Christians Against Poverty (CAP). A CAP Job Club also operates as well as running CAP Life Skills and CAP Money Gourses. Page 1 of10

Statement confirming whether the Irustees have had regard to the guidance issued by the Charity Commission on public benefit Para1.18 In carrying out its objectives Ihe CIO has regard to the guidance issued by the Charity Commission. Additional infomation loptionall You ma choose to include further statements where relevant about.. SORP réference NIA Pam 1.38 Policy on grant making NIA Para 1.38 Policy on social investment including program related investment Para 1.38 The CIO relies heavily on unpaid volunteers to carry out its objectives, as with any church-based organisation. Contribution made by volunteers Vvhilst there is a small staff team, over 100 volunteers serve across the various activities of Ihe church giving thousands of hours each year to be good news to the local community and beyond. Other Achievements and Performance SORP reference Over the past year, Zeo Church has continued ils rhythm of gathering for celebrations and scattering into micro-churches Izeo Communities and Church at Homel. Teaching themes have included loving your neighbour, spiritual warfare, lament, and disciple-making. Following the Becoming Human series, 8 'Praclising the Way. group wa5 established to deepen spiritual formatr'on. Summary ol the main achievements of the charily, identifying the difference the charity s work has made to the circumstances of its beneficiaries and any wider benefits to society as a whole. Para 1.20 Two new micro<hurches were launched through Alpha, alongside a new group al the Zeo Centre, which also serves as a training environment for emerging leaders. It has been encouraging to see people respond to Jesus throughout the year, including those returning to faith after many years. This included four ba lisms and one bab Page2 of 10

dedicab'on. Events and Seasonal Gatherin We hosted several impactful events, including.. The All Nations Annual Celebffttion Iseplemberl A Christmas programme engaging over 1,000 people, including.. Performances from the King's Chamber Orchestra Big Sing choir carol events Carols by Candlelight {Christmas Evel Christmas Day family gathering At Easter, we held a family Passover meal. joined a Good Friday gathering in Hilchin Market Square with local churches, and celebrated baptisms on Easter Sunday. Communi En ement and Outreach A weekly INednesday coffee morning launched. creating a new point of connection and preparing the ground for a future Alpha Course and mi¢ro-church. Helping Hands saw 26 volunteers contribute over 650 hours, completing 33 projects (gardening, painting, and DIY), supporting 33 households with practical help and care. Leadership transitions included John Draper stepping in as Community Lead and James O'Donovan as volunteer Pastoral Lead, as teams continue lo be rebuilt. The Cornmunity Fund supported 22 households and projects. providing essential items and emergency support, alongside contributing lo Christmas hampers reaching over 100 families. Ministries Frontline (Over 55s} Meeting fortnighlly, attendance has stabilised 124-291, with 400/0 non-regular church members. Testimony-sharing, leaching, and outreach evenls-including Christmas and Easter me818-have been well attended and imp8¢tful. Men's and Women's Ministries Zeo Men's monthly breakfasts continue to grow. alongside socials and conference allendance. Zeo Women hosted Tea and Toast. gatherings and are reshaping their programme for the coming year. Job Club The CAP Job Club ran three courses, supporting individuals into employment, further education, or volunteering. Referrals from Job Centre Plus have increased demand, positioning Zeo 8S the only CAP Job Club in Hertfordshire. Strategic planning is underway to expand capacity Page 3 of10

Children and Youth Zeo Kids Despite a reduced team, the mini$try has remained active, with 18-27 children attending Sundays Outreach events (Summer Club, Winter Wonderland) engaged many local families A new toddlers group has grown steadily, creating relational connections with parents. Increased support for children with additional needs has been a key development. Youth Engagement included events with local churches, youth camps, and social gatherings. Vvhile regular attendance fluctuated and volunteer numbers declined, spiritual impact remained evident, including recommitments to faith. Focus for the coming year is rebuilding the team and strengthening consistency. International Mission Moldova A new church was launched in Alexeevca, with growing attendance and developing ministries for children and youth. Ongoing outreach includes youth events, mission team partnerships, and support for surrounding communities. Leadership has Iransilioned into local pastoral oversight, with baptisms anticipated. Mexico Fifteen homes have been completed or are in progress12024-20251, alongside community outreach through a footb811 project engaging local families. Partnerships with local churches are growing, and former beneficiaries are now volunteering. Support has also been provided for medical and welfare needs. erations At the Zeo Centre, a major clear-out and reorganisation improved the usability of the space, enabling smoother operations and better resource management_ Additional information {optional) You ma choose to include further statements where relevant about= Achievements against objectives set P2ra 1.41 Performan￿ offundraising activities against objectives set Para 1.41 Page4of10

Investment performance against objectives Para 1.41 other Financial Review Review of the charity's financial position at the end of the eriod Statement explaining the policy for holding reserves stating why they are held Para 1.21 The Trustees are satisfied with the financial position as al 30th June 2025. Para 1.22 It is the intention of the Trustees that the Charity should hold reserves in the form of cash lo maintain SLrficienl free funds li.e. tolal net assets less restricted funds less designated funds less unrestricted fund fixed assets) to equate to approximately three month's operating expenditure. This is considered by the Trustees to be an appropriate sum given the nature af the Charity's income. It is reviewed annually, taking into account planned expenditure and income expectations. Amount of reserves held Para 1.22 £300,017 equating to approximately.. £70.017 General Reserve in accordance with reserve policy £230,000 Designated Building Fund Reserve Reasons for holding zero reserves Details of fund materially in deficit Explanation of any uncertainties about the charity continuing as a going concern Para 1 22 Para 1 24 None Para 1 23 Additional infomiation {optional) You ma choose to include further statements where relevanl about.. Regular and adhoc giving from Church Members. The charity's principal sources of funds (including any fundraising) Para 1.47 Investment poliGy and objectives including any social investment policy ado ted Para 1.46 Page Sof 10

A description of the principal risks facing the charity Para 1.46 other Structure, Governance and Management Description of charity's trusts.. Type of governing document Para 1.25 Trust Deed How is the charity constituted? le.g uniiicorporaied asgociation CIO) Trustee selection methods including details of any constitutional provisions e.g. election to post or name of any person or body entitled to appoint one or more trustees Para 1.25 cio Para 1.25 Recommended by trustees, approved by church membership Additional information (optionall You ma choose to include further statements where relevant about.. Policies and procedures adopted for the induction and training of trustees Para 1.51 The charity's organisational structure and any wider network with which the charity works Para 1.51 Relationship with any related parties Para 1.51 other Page6of10

Reference and Administrative details Charit name Olher name the charit uses Registered charil number Charity's principal address Zeo Church 1164774 Zeo Centre Bedford Road Hitchin Herts SG51HF Page7 of10

Names of the charity trustees who manage the charity Dates acted if not for whole Trustee name Office lif any Name of person lor body) entitled olnt trustee Ifan Felicity Gorton Matt Summerfield Until 4th November 2024 Jumoke Cox Until 30th June 2025 Paul Reynard Ginette Beeson Treasurer Until 29" July 2024 Sandra Okwara Brian Norman Chair Amy Ingham Started 10 February 2025 James Mendis Started 29 July 2024 10 12 13 14 15 16 17 18 19 20 Cor orate trustees - names of the directors at the date the re DÉrector name ortwasa roved Name of trustees holding title to property belonging to the char(ty Trustee name Dates acted if not for whole ear Page8of 10

Funds held as custodian trustees on behalf of others Description of the assets held in this capacity Name and objects of the harity on whose behalf the assets are held and how this falls within the custodian charity's objects Details of arrangemenls for safe custody and segregation of such assets from the charity's own assets Additional infomation (optional) Names and addresses of advisers (Optional Information) Type of Narne Address adviser Name of chief executive or names of senior staff members (Optional infomyationl Exemptions from disclosure Reason for non-disclosure of ke personnel details Other o tional information Page9of 10

Declarations The trustees declare that they have approved the trustees, report above. Signed on behalf of the charity's trustees Signature(s) rfAall Full namels) Position {eg Secretary, Chair, etc} Brian Norman Matt Summerfield Chair Trustee Date 29, April 2026 Page 10 of 10
ZEO CHURCH Charity No (if
any)		 1164774
Annual accounts for theperiod
Period start date 7/1/24 To Period end date 6/30/25
Section A Statement of financial activities
Recommended categories by activity Guidance N
Unrestricted
funds		 Restricted
income funds		 Endowment
funds		 Total funds Prior year
funds
£ £ £ £ £
Incoming resources(Note 3) F01 F02 F03 F04 F05
Income and endowments from:
Donations and legacies S01 311,811
15,186
-
326,997
459,592
Charitable activities S02 12,894
-
-
12,894
7,715
Other trading activities S03 -
-
-
-
-
Investments S04 10,642
-		 10,642
8,605
Separate material item of income S05 -
-
-
-
-
Other S06 -
-
-
-
-
Total S07 335,347
15,186
-
350,533
475,912
Resources expended(Note 6)
Expenditure on:
Raising funds S08 -
-
-
-
-
Charitable activities S09 381,850
49,724
-
431,574
463,738
Separate material item of expense S10 5,416
-
-
5,416
4,942
Other S11 -
-
-
-
-
Total S12 387,266
49,724
-
436,990
468,680
Net income/(expenditure) before investment gains/
(losses)		 S13 -
51,919		 -
34,538
-		 -
86,457
7,232
Net gains/(losses) on investments S14 -
-
-
-
-
Net income/(expenditure) S15 -
51,919		 -
34,538
-		 -
86,457
7,232
Extraordinary items S16 -
-
-
-
-
Transfers between funds S17 -
-
-
Other recognised gains/(losses):
Gains and losses on revaluation of fixed assets for the charity’s own use S18 -
-
-
-
-
Other gains/(losses) S19 -
-
-
-
-
Net movement in funds S20 -
51,919		 -
34,538
-		 -
86,457
7,232
Reconciliation of funds:
Total funds brought forward S21 1,011,349
84,482
-		 1,095,831 1,088,599
Total funds carried forward S22 959,430
49,944
-		 1,009,374 1,095,831
Section B Balance sheet
Guidance No
Unrestricted
funds		 Restricted
income funds		 Endowment
funds		 Total this
year		 Total last
year
£ £ £ £ £
Fixed assets F01 F02 F03 F04 F05
Intangible assets(Note 15) B01 -
-
-
-
-
Tangible assets(Note 14) B02 723,547
-
-
723,547
728,586
Heritage assets(Note 16) B03 -
-
-
-
-
Investments (Note 17) B04 -
-
-
-
-
Total fixed assets B05 723,547
-
-
723,547
728,586
Current assets
Stocks(Note 18) B06 -
-
-
-
-
Debtors (Note 19) B07 55,541
-
-
55,541
41,025
Investments(Note 17.4) B08 -
-
-
-
-
Cash at bank and in hand(Note 24) B09 184,811
59,665
-
244,476
336,434
Total current assets B10 240,352
59,665
-
300,017
377,459
Creditors: amounts falling due within
one year (Note 20)		 B11 4,469
-
-
4,469
10,214
Net current assets/(liabilities) B12 235,883
59,665
-
295,548
367,245
Total assets less current liabilities B13 959,430
59,665		 - 1,019,095 1,095,831
Creditors: amounts falling due after one
year (Note 20)		 B14 -
-
-
-
-
Provisions for liabilities B15 -
-
-
-
-
Total net assets or liabilities B16 959,430
59,665
-		 1,019,095 1,095,831
Funds of the Charity
Endowment funds(Note 27) B17 - -
-
Restricted income funds (Note 27) B18 -
59,665		 59,665
84,482
Unrestricted funds B19 - -
-		 1,011,349
Revaluation reserve B20 959,430 959,430
Total funds B21 959,430
59,665
-		 1,019,095 1,095,831
Signed by one or two trustees on behalf of all the
trustees		 Signature Print Name Date of
approval dd/
mm/yyyy
BRIAN NORMAN 4/29/26
M A SUMMERFIELD 4/29/26

Section C Notes to the accounts

Note 1 Basis of preparation

This section should be completed by all charities .

1.1 Basis of accounting

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 • and with ✓ their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued on 16 July 2014 the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland • and with ✓ (FRS 102) • and with the Charities Act 2011. The charity constitutes a public benefit entity as defined by FRS ✓ 102.*

1.2 Going concern

If there are material uncertainties related to events or conditions that cast significant doubt on the charity's ability to continue as a going concern, please provide the following details or state "Not applicable", if appropriate:

An explanation as to those factors that support the conclusion that the charity is a going concern; Disclosure of any uncertainties that make the going concern assumption doubtful; Where accounts are not prepared on a going concern basis, please disclose this fact together with the basis on which the trustees prepared the accounts and the reason why the charity is not regarded as a going concern.

1.3 Change of accounting policy

The accounts present a true and fair view and the accounting policies adopted are those outlined in note 2. Yes ✓ * -Tick as appropriate No Please disclose: (i) the nature of the change in accounting policy; (ii) the reasons why applying the new accounting policy provides more reliable and more relevant information; and (iii) the amount of the adjustment for each line affected in the current period, each prior period presented and the aggregate amount of the adjustment relating to periods before those presented, 3.44 FRS 102 SORP.

1.4 Changes to accounting estimates

No changes to accounting estimates have occurred in the reporting period (3.46 FRS 102 SORP). Yes ✓ * -Tick as appropriate No Please disclose: (i) the nature of any changes; (ii) the effect of the change on income and expense or assets and liabilities for the current period; and (iii) where practicable, the effect of the change in one or more future periods. 1.5 Material prior year errors No material prior year error have been identified in the reporting period (3.47 FRS 102 SORP). Yes ✓ * -Tick as appropriate No Please disclose:

(i) the nature of the prior period error; (ii) for each prior period presented in the accounts, the amount of the correction for each account line item affected; and (iii) the amount of the correction at the beginning of the earliest prior period presented in the accounts.

Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont)
Note 2 Accounting policies
2.2 INCOME
This standard list of accounting policies has been applied by the charity except for those ticked "No" or "N/a". Where a different or
additional policy has been adopted then this is detailed in the box below.
Recognition of income These are included in the Statement of Financial Activities(SoFA)when:
• the charitybecomes entitled to the resources;
· it is more likelythan not that the trustees will receive the resources;and Yes No N/a
• the monetaryvalue can be measured with sufficient reliability. ✓
Offsetting There has been no offsetting of assets and liabilities, or income and expenses, unless required or
permitted by the FRS 102 SORP or FRS 102.		 Yes No N/a
✓
Grants 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).		 Yes No N/a
✓
In the case of performance related grants, income must only be recognised to the extent that
the charity has provided the specified goods or services as entitlement to the grant only occurs
when the performance related conditions are met (5.16 FRS 102 SORP).		 Yes No N/a
✓
Legacies Legacies are included in the SOFA when receipt is probable, that is, when there has been grant
of probate, the executors have established that there are sufficient assets in the estate and any
conditions attached to the legacy are either within the control of the charity or have been met.		 Yes No N/a
✓
Government grants The charity has received government grants in the reporting period Yes No N/a
✓
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.		 Yes No N/a
✓
Contractual income and
performance relatedgrants		 This is only included in the SoFA once the charity has provided the related goods or services or
met the performance related conditions.		 Yes No N/a
✓
Donated goods Donated goods are measured at fair value (the amount for which the asset could be
exchanged) unless impractical to do so.		 Yes No N/a
✓
The cost of any stock of goods donated for distribution to beneficiaries is deemed to be the fair
value of those gifts at the time of their receipt and they are recognised on receipt. In the
reporting period in which the stocks are distributed, they are recognised as an expense at the
carrying amount of the stocks at distribution.		 Yes No N/a
✓
Donated goods for resale are measured at fair value on initial recognition, which is the expected
proceeds from sale less the expected costs of sale, and recognised in 'Income from other
trading activities' with the corresponding stock recognised in the balance sheet. On its sale the
value of stock is charged against 'Income from other trading activities' and the proceeds from
sale are also recognised as 'Income from other trading activities'.		 Yes No N/a
✓
Goods donated for on-going use by the charity are recognised as tangible fixed assets and
included in the SoFA as incoming resources when receivable.		 Yes No N/a
✓
Gifts in kind for use by the charity are included in the SoFA as income from donations when
receivable.		 Yes No N/a
✓
Donated services and
facilities		 Donated services and facilities are included in the SOFA when received at the value of the gift
to the charity provided the value of the gift can be measured reliably.		 Yes No N/a
✓
Donated services and facilities that are consumed immediately are recognised as income with
an equivalent amount recognised as an expense under the appropriate heading in the SOFA.		 Yes No N/a
✓
Support costs The charity has incurred expenditure on support costs. Yes No N/a
✓
Volunteer help The value of any voluntary help received is not included in the accounts but is described in the
trustees’ annual report.		 Yes No N/a
✓
Income from interest,
royalties and dividends		 This is included in the accounts when receipt is probable and the amount receivable can be
measured reliably.		 Yes No N/a
✓
Income from membership
subscriptions		 Membership subscriptions received in the nature of a gift are recognised in Donations and
Legacies.		 Yes No N/a
✓
Membership subscriptions which gives a member the right to buy services or other benefits are
recognised as income earned from the provision of goods and services as income from
charitable activities.		 Yes No N/a
✓
Settlement of insurance
claims		 Insurance claims are only included in the SoFA when the general income recognition criteria are
met (5.10 to 5.12 FRS102 SORP) and are included as an item of other income in the SoFA.		 Yes No N/a
✓
Investment gains and
losses		 This includes any realised or unrealised gains or losses on the sale of investments and any
gain or loss resulting from revaluing investments to market value at the end of the year.		 Yes No N/a
✓
2.3 EXPENDITURE AND LIABILITIES
Liability recognition 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.		 Yes No N/a
✓
Governance 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.		 Yes No N/a
✓
Support costs include central functions and have been allocated to activity cost categories on a
basis consistent with the use of resources, eg allocating property costs by floor areas, or per
capita, staff costs by the time spent and other costs by their usage.		 Yes No N/a
✓
Grants with performance
conditions		 Where the charity gives a grant with conditions for its payment being a specific level of service
or output to be provided, such grants are only recognised in the SoFA once the recipient of the
grant has provided the specified service or output.		 Yes No N/a
✓
Grants payable without
performance conditions		 Where there are no conditions attaching to the grant that enables the donor charity to
realistically avoid the commitment, a liability for the full funding obligation must be recognised.		 Yes No N/a
✓
Redundancy cost The charity made no redundancy payments during the reporting period. Yes No N/a
✓
Deferred income No material item of deferred income has been included in the accounts. Yes No N/a
✓
Creditors The charity has creditors which are measured at settlement amounts less any trade discounts Yes No N/a
✓
Provisions for liabilities A liability is measured on recognition at its historical cost and then subsequently measured at
the best estimate of the amount required to settle the obligation at the reporting date		 Yes No N/a
✓
Basic financial instruments The charity accounts for basic financial instruments on initial recognition as per paragraph 10.7
FRS102 SORP. Subsequent measurement is as per paragraphs 11.17 to 11.19, FRS102
SORP.		 Yes No N/a
✓
2.4 ASSETS
Tangible fixed assets for
use by charity		 These are capitalised if they can be used for more than one year, and cost at least
They are valued at cost. Yes No N/a
✓
The depreciation rates and methods used are disclosed in note 9.2.
Intangible fixed assets The charity has intangible fixed assets, that is, non-monetary assets that do not have physical
substance but are identifiable and are controlled by the charity through custody or legal rights.
The amortisation rates and methods used are disclosed in note 9.5		 Yes No N/a
✓
They are valued at cost. Yes No N/a
✓
Heritage assets The charity has heritage assets, that is, non-monetary assets with historic, artistic, scientific,
technological, geophysical or environmental qualities that are held and maintained principally
for their contribution to knowledge and culture. The depreciation rates and methods used as
disclosed in note 9.6.1.4.		 Yes No N/a
✓
Yes No N/a
They are valued at cost. ✓
Investments Fixed asset investments in quoted shares, traded bonds and similar investments are valued at
initially at cost and subsequently at fair value (their market value) at the year end. The same
treatment is applied to unlisted investments unless fair value cannot be measured reliably in
which case it is measured at cost less impairment.		 Yes No N/a
✓
Investments held for resale or pending their sale and cash and cash equivalents with a maturity
date of less than 1 year are treated as current asset investments		 Yes No N/a
✓
Stocks and work in
progress		 Stocks held for sale as part of non-charitable trade are measured at the lower or cost or net realisable
value.		 Yes No N/a
✓
Goods or services provided as part of a charitable activity are measured at net realisable value based on
the service potential provided by items of stock.		 Yes No N/a
✓
Work in progress is valued at cost less any foreseeable loss that is likely to occur on the contract. Yes No N/a
✓
Debtors Debtors (including trade debtors and loans receivable) are measured on initial recognition at settlement
amount after any trade discounts or amount advanced by the charity. Subsequently, they are measured
at the cash or other consideration expected to be received.		 Yes No N/a
✓
Current asset investments The charity has has investments which it holds for resale or pending their sale and cash and cash
equivalents with a maturity date less than one year. These include cash on deposit and cash equivalents
with a maturity date of less than one year held for investment purposes rather than to meet short term
cash commitments as they fall due.		 Yes No N/a
✓
Yes No N/a
They are valued at fair value except where they qualify as basic financial instruments. ✓
POLICIES ADOPTED
ADDITIONAL TO OR
DIFFERENT FROM
THOSE ABOVE
Section C Notes to the accounts (cont)
Note 3 Analysis of income
Analysis Unrestricted
funds		 Restricted
income
funds		 Endowment
funds		 Total funds Prior year
£ £
Donations and
legacies:
Donations andgifts		 267,046
4,975
-
272,021		 329,405
Gift Aid 41,747
-
-
41,747
56,915
Legacies -
-
-
-
-
General grants provided by government/other
charities		 -
-
-
-
-
Membership subscriptions and sponsorships
which are in substance donations		 -
-
-
-
-
Donatedgoods,facilities and services -
-
-
-
-
Playbox Nursery -
13,229
-
13,229
73,272
Total
308,793
18,204
-
326,997		 459,592
Charitable
activities:		 Rental income 2,020
-
-
2,020
2,400
Events 5,447
-
-
5,447
2,965
Grants 5,427
-
-
5,427
2,350
Other -
-
-
-
-
Total
12,894
-
-
12,894
7,715
Other trading
activities:		 -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Other -
-
-
-
-
Total
-
-
-
-
-
Income from
investments:		 Interest income 7,624
-
-
7,624
8,605
Dividend income -
-
-
-
-
Rental and leasingincome -
-
-
-
-
Other -
-
-
-
-
Total
7,624
-
-
7,624
8,605
Separate
material item
of income:		 -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Total
-
-
-
-
-
Other: Conversion of endowment funds into income -
-
-
-
-
Gain on disposal of a tangible fixed asset held for
charity's own use		 -
-
-
-
-
Gain on disposal of a programme related
investment		 -
-
-
-
-
Royalties from the exploitation of intellectual
property rights		 -
-
-
-
-
Other -
-
-
-
-
Total
-
-
-
-
-
TOTAL INCOME 329,311
18,204
-
347,515		 475,912
Other information:
All income in the prior year was unrestricted except for: (please
provide description and amounts)		 £18,204 amounts collected for restricted causes.
Where any endowment fund is converted into income in the
reporting period, please give the reason for the conversion.
Within the income items above the following items are material:
(please disclose the nature, amount and any prior year amounts)
Section C Notes to the accounts (cont)
Note 4 Analysis of receipts ofgovernmentgrants
Description Thisyear Lastyear
£ £
Governmentgrant 1 -
-
Governmentgrant 2 -
-
Governmentgrant 3 -
-
Other -
-
Total
-
-
Please provide details of any unfulfilled
conditions and other contingencies
attaching to grants that have been
recognised in income.
Please give details of other forms of
government assistance from which the
charity has directly benefited.
Section C Notes to the accounts (cont) Notes to the accounts (cont) Notes to the accounts (cont) Notes to the accounts (cont) Notes to the accounts (cont) Notes to the accounts (cont)
Note 6 Analysis of expenditure
Analysis Unrestricted
funds		 Restricted
income
funds		 Endowment
funds		 Total funds Prior year
£ £
Expenditure on
charitable
activities:		 Grants made 48,908
-
-
48,908
86,625
Tithes 6,556
-
-
6,556
6,330
Repairs and maintenance 28,040
-
-
28,040
18,146
Events and concerts 8,259
-
-
8,259
3,752
Employee costs 211,084 46,146
-		 257,230 261,910
Pension costs 8,155
-
-
8,155
6,940
Youth and charity activities 9,527
-
-
9,527
10,664
Rent and utilities 17,422
-
-
17,422
24,385
Insurance 7,088
-
-
7,088
6,418
Refreshments 5,641
-
-
5,641
3,885
Training 3,333 -
3,333
3,564
Depreciation 12,251 12,251
13,436
Loss on disposals -
-
-
-
-
Bank charges 803
-
-
803
1,001
Printing, postage and stationery 1,598
108
-
1,706
2,550
Telephone 1,760
-
-
1,760
2,375
Sundry expenses 14,516
696
-
15,212
11,757
-
-
-
-
-
-
-
-
-
-
Total expenditure on charitable
activities		 384,941 46,950
-		 431,891 463,738
Expenditure on
raising funds		 -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Total expenditure on raising funds -
-
-
-
-
Separate material
item of expense		 Accountancy 2,165
-
-
2,165
1,927
Payroll bureau costs 1,799
-
-
1,799
1,791
Legal costs 1,452
-
-
1,452
1,224
-
-
-
-
-
Total 5,416
-
-
5,416
4,942
Other
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Total other expenditure -
-
-
-
-
TOTAL EXPENDITURE 390,357
46,950
-
437,307		 468,680
Other information:
Analysis of expenditure on charitable activities
Activity or
programme		 Activities undertaken directly Grant
funding of
activities		 Support
Costs		 Total this
year		 Total prior
year
£ £ £ £ £
Activity 1
Activity 2
Other
Total
Prior year expenditure on charitable activities can
be analysed as follows:
Within the expenditure items above the following
items are material: (please disclose the nature,
amount and any prior year amounts)

----- Start of picture text -----
Section C Notes to the accounts
Note 10 Details of certain items of expenditure
10.1 Fees for examination of the accounts
Please provide details of the amount paid for any statutory external scrutiny of accounts
and other services provided by your independent examiner. If nothing was paid please
enter '0' in the appropriate box(es).
This year Last year
£ £
Independent examiner’s fees
1452 1927
Independent examiner’s fees under provision in prior year
Assurance services other than audit or independent examination
Tax advisory fees
Other fees (for example: financial advice, consultancy, accountancy services) paid to the
independent examiner
----- End of picture text -----

Section C Notes to the accounts Section C Notes to the accounts Section C Notes to the accounts (cont) (cont)
Note 11 Paid employees
Please complete this note if the charity has any employees.
11.1 Staff Costs
This year Last year
£ £
Salaries and wages 242,028
250,509
Social security costs 15,202
11,401
Pension costs (defined contribution scheme) 8,155
6,940
Redundancy costs -
-
Total staff costs
265,385
268,850
Please provide details of expenditure on staff working for the charity
whose contracts are with and are paid by a related party
Please give details of the number of employees whose total employee benefits (excluding employer pension costs)
fell within each band of £10,000 from £60,000 upwards. If there are no such transactions, please enter 'true' in the
box provided.
No employees received employee benefits (excluding employer
pension costs) for the reporting period of more than £60,000		 TRUE
Band Number of employees
£60,000 to £69,999
£70,000 to £79,999
£80,000 to £89,999
£90,000 to £99,999
£100,000 to £109,999
Please provide the total amount paid to key
management personnel (includes trustees
and senior management) for their services
to the charity
11.2 Average head count in the year Thisyear Lastyear
Number Number
The parts of the charity in which the
employees work		 Fundraising -
-
Charitable Activities 11
17
Governance -
Other -
-
Total
11
17
11.3 Ex-gratiapayments to employees and others(excluding trustees)
Please complete if an ex-gratiapayment is made.
Please explain the nature of the payment
Please state the legal authority or reason
for making the payment
Please state the amount of the payment (or
value of any waiver of a right to an asset)
11.4 Redundancy payments
Please complete if any redundancy or terminationpayment is made in theperiod.
Total amount ofpayment
The nature of the payment (cash, asset
etc.)
The extent of redundancy funding at the
balance sheet date
Please state the accounting policy for any
redundancy or termination payments
Section C Notes to the accounts (cont)
Note 12 Defined contribution pension scheme or defined benefit scheme accounted for as a
defined contribution scheme.
12.1 Please complete this note if a defined contributionpension scheme is operated.
Amount of contributions recognised in the
SOFA as an expense		 £8,155
Please explain the basis for allocating the
liability and expense of defined
contribution pension scheme between
activities and between restricted and
unrestricted funds.
12.2 Please complete this section where the charity participates in a defined benefit pension plan but is unable to
ascertain its share of the underlying assets and liabilities.
Please confirm that altough the scheme is
accounted for as a defined contribution
plan, it is a defined benefit plan.
Please provide such information as is
available about the plan's surplus or deficit
and the implications, if any, for the
reporting charity
12.3 Please complete this section where the charity participates in a multi-employer defined benefit pension plan
that is accounted for as a defined contribution plan.
Describe the extent to which the charity
can be liable to the plan for other entities'
obligations under the terms and conditions
of the multi-employer plan
Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont)
Note 13 Grantmaking
Please complete this note if the charity made any grants or donations which in aggregate form a material part of the
charitable activities undertaken.
13.1 Analysis of grants paid (included in cost of charitable activities)
Analysis Grants to institutions Grants to
individuals		 Support costs Total
Go Global 20,555 - 20,555
Evangilism 5,199 - 5,199
Churches Together - - 0
Community Fund 11,299 - 11,299
Other - 12,104
-		 12,104
Total 37,053
12,104
-
49,157
Please enter “Nil” if the charity does not identify and/or allocate support costs.
13.2 Grants made to institutions
My charity has made grants to particular institutions that are material in the
context of its grantmaking. Details of the institution supported, purpose of the
grant and total paid to each institution is available on the charity's web site.		 Yes Please provide
details of charity's
URL.
No Provide details
below
Names of institution Purpose Total amount of
grants paid £
-
-
-
-
-
-
-
-
-
-
Total grants to institutions in reporting period -
Other unanalysed grants -
TOTAL GRANTS PAID -
Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont)
Note 14 Tangible fixed assets
Please complete this note if the charity has any tangible fixed assets
14.1 Cost or valuation
Freehold land &
buildings
Other land &
buildings		 Plant,
machinery and
motor vehicles		 Fixtures,
fittings and
equipment		 Total
£ £ £ £ £
At the beginning of the
year		 703,224
-
-
98,173
801,397
Additions -
-
-
7,213
7,213
Revaluations -
-
-
-
-
Disposals -
-
-
-
-
Transfers * -
-
-
-
-
At end of the year 703,224
-
-
105,386
808,610
14.2 Depreciation and impairments
**Basis None SL or RB SL or RB SL SL or RB Straight Line
("SL") or
Reducing
Balance ("RB")
** Rate
None		 10% or 20%
At beginning of the year
-
-
-
72,811
72,811
Disposals -
-
-
-
-
Depreciation -
-
-
12,252
12,252
Impairment -
-
-
-
-
Transfers* -
-
-
-
-
At end of the year -
-
-
85,063
85,063
14.3 Net book value
Net book value at the
beginning of the year		 703,224
-
-
25,362
728,586
Net book value at the
end of the year		 703,224
-
-
20,323
723,547
14.4 Impairment
Please provide a description of the events and
circumstances that led to the recognition or reversal
of an impairment loss.
14.5 Revaluation
If an accounting policy of revaluation is adopted, pleaseprovide:
the effective date of the revaluation
the name of independent valuer, if applicable
the methods applied and significant assumptions
the carrying amount that would have been
recognised had the assets been carried under the
cost model.
14.6 Other disclosures
(i) Please state the amount of borrowing costs, if
any, capitalised in the construction of tangible fixed
assets and the capitalisation rate used.
(ii) Please provide the amount of contractual
commitments for the acquisition of tangible fixed
assets.
(iii) Details of the existence and carrying amounts of
property, plant and equipment to which the charity
has restricted title or that are pledged as security for
liabilities.
* The "transfers" row is for movements between fixed asset categories.
** Please indicate the method of depreciation by deleting the method not applicable(SL = straight line; RB

** Please indicate the method of depreciation by deleting the method not applicable (SL = straight line; RB ~~d i b l ) Al l i di t th t f d i ti f t i ht li h t i th ti i t d~~

Section C Notes to the accounts (cont)
Note 19 Debtors and prepayments
Please complete this note if the charity has any debtors or
prepayments.
19.1 Analysis of debtors This year Last year
£ £
-
-
Trade debtors -
-
Prepayments and accrued income 55,541 41,025
Other debtors 55,541 41,025
Total
Please complete 19.2 where a material debtor is recoverable more than a year after the reporting date.
19.2 Analysis of debtors recoverable in more than 1 year (included in debtors above)
Thisyear Lastyear
£ £
Trade debtors -
-
Prepayments and accrued income -
-
Other debtors -
-
-
-
Total
-
-
Section C Notes to the accounts (cont)
Note 20 Creditors and accruals
Please complete this note if the charity has any creditors or accruals.
20.1 Analysis of creditors
Amounts falling due within
one year		 Amounts falling due after
more than one year
Thisyear Lastyear Thisyear Lastyear
£ £ £ £
Accruals forgrants payable -
-
-
-
Bank loans and overdrafts -
-
-
-
Trade creditors -
-
-
-
Payments received on account for contracts or
performance-related grants		 -
-
-
-
Accruals and deferred income 2,880
2,597
-
-
Taxation and social security 1,589
7,617
-
-
Other creditors -
-
-
-
Total
4,469
10,214
-
-
20.2 Deferred income
Please complete this note if the charity has deferred income.
Please explain the reasons why income is deferred.
Movement in deferred income account Thisyear Lastyear
£ £
Balance at the start of the reporting period -
-
Amounts added in current period -
-
Amounts released to income from previous periods -
-
Balance at the end of the reporting period -
-
Section C Notes to the accounts (cont)
Note 24 Cash at bank and in hand
Thisyear Lastyear
£ £
Short term cash investments(less than 3 months maturity date) -
-
Short term deposits -
-
Cash at bank and on hand 244,477
336,434
Other -
-
Total 244,477
336,434
Section C Notes to the accounts Section C Notes to the accounts Section C Notes to the accounts (cont) (cont) (cont) (cont) (cont) (cont)
Note 27 Charity funds
27.1 Details of material funds held and movements during the CURRENT reporting period
Please give details of the movements of material individual funds in the reporting period together with a balancing figure for 'Other funds'. The 'Total funds' figure below should
reconcile to 'Total funds' in the balance sheet.
* Key: PE - permanent endowment funds; EE - expendible endowment funds; R - restricted income funds, including special trusts, of the charity; and U - unrestricted funds
Fund names Type PE, EE R
**or UR ***
Purpose and Restrictions		 Fund
balances
brought
forward		 Income Expenditure Transfers Gains and
losses		 Fund
balances
carried
forward
£ £ £ £ £ £
Buildingfund R Specific work withyoungpeople 75,000
-
-
-
-
75,000
Overseas Giving R Povertyrelief overseas -
1,708		 -
1,708
-
-
-
Stretchyour Life R Matt Summerfield 250 -
250
-
-
-
Playbox R Playgroup for pre school children 19,203
13,229		 -
47,767
-
-		 -
15,335
Other funds UR Unrestricted funds 1,011,349
335,347		 -
387,266		 -
959,430
Total Funds
1,105,552
350,534		 -
436,991
-
-
1,019,095
The transfer from Playbox to General funds represents a contribution for utilities used.
Section C Notes to the accounts Section C Notes to the accounts Section C Notes to the accounts (cont) (cont) (cont) (cont) (cont) (cont)
Note 27 Charity funds(cont)
27.2 Details of material funds held and movements during the PREVIOUS reporting period
Please give details of the movements of material individual funds in the reporting period together with a balancing figure for 'Other funds'. The 'Total funds' figure below should
reconcile to 'Total funds' in the blanace sheet.
* Key: PE - permanent endowment funds; EE - expendible endowment funds; R - restricted income funds, including special trusts, of the charity; and U - unrestricted funds
Fund names Type PE, EE R
**or UR ***
Purpose and Restrictions		 Fund
balances
brought
forward		 Income Expenditure Transfers Gains and
losses		 Fund
balances
carried
forward
£ £ £ £ £ £
Buildingfund R Improvingthe building 75,000 - - - -
75,000
Overseas Giving R Grant for itineraryministry 1,606
4,094		 -
5,700		 - -
-
Playbox R Playgroup for pre school children - 73,272 -
60,190		 -
3,600
-
9,482
-
-
Other funds N/a Unrestricted funds 1,011,993
398,546		 -
402,790
3,600
-
1,011,349
Total Funds
1,088,599
475,912		 -
468,680
-
-
1,095,831
Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont) Section C Notes to the accounts (cont)
Note 28 Transactions with trustees and relatedparties
If the charity has any transactions with related parties (other than the trustee expenses explained in guidance notes) details of such
transactions should be provided in this note. If there are no transactions to report, please enter “True” in the box or "False" if there are
transactions to report.
28.1 Trustee remuneration and benefits
None of the trustees have been paid any remuneration or received any other benefits from an employment
with their charity or a related entity (True or False)		 FALSE
In the period the charity has paid trustees remuneration and benefits. Please give the amount of, and legal authority for, any
remuneration or other benefits paid to a trustee by the charity or any institution or company connected with it.
Name of trustee Legal authority (eg order,
governing document)		 Amounts paid or benefit value
Thisyear Lastyear
Remuneration Pension
contribution		 Redundancy
(including
loss of office)/
ex gratia		 Other TOTAL
£ £ £ £
M Summerfield Order 41559 1859 44074
J Cox Order 30647 1312 33985
G Beeson Order 18536 78 22782
Please give details of why remuneration or other employment
benefits were paid.		 M Summerfield is paid for his role as senior pastor of the Church. G Beeson is paid as
manager of the pre school and it is an Ofsted requirement that she also be a trustee. J Cox is
paid for her work as operations director of the Church.
Where an ex gratia payment has been made to a trustee, provide
an explanation of the nature of the payment.
28.2 Trustees' expenses
If the charity has paid trustees expenses for fulfilling their duties, details of such transactions should be provided in this note. If there
are no transactions to report, please enter “True” in the box below. If there are transactions to report, please enter "False".
No trustee expenses have been incurred (True or False) TRUE
Type of expenses reimbursed This year Last year
£ £
Travel
Subsistence
Accommodation
Other (please specify):
TOTAL 0 0
Please provide the number of trustees reimbursed for expenses
or who had expenses paid by the charity
28.3 Transaction(s) with related parties
Please give details of any transaction undertaken by (or on behalf
including where funds have been held as agent for related parties.
provided.		 of) the charity in which a related party has a material interest,
If there are no such transactions, please enter 'true' in the box
There have been no related party transactions in the reporting period (True or False)
Name of the trustee or
related party		 Relationship
to charity		 Description of the
transaction(s)		 Amount Balance at
period end		 Provision for bad debts
at period end		 Amounts
written off
during
reporting
period
£ £ £ £
In relation to the transactions above, please provide the terms
and conditions, including any security and the nature of any
payment (consideration) to be provided in settlement.
For any related party, please provide details of any guarantees
given or received.

Docusign Envelope ID: 1B9D8858-0AB1-8DDC-8163-7638BE511A68

Independent examiner's report on the accounts

Section A Independent Examiner’s Report Report to the trustees Zeo Church On accounts for the year 30[th] June 2025 Charity no 1164774 ended (if any) Set out on pages 1-18 I report to the trustees on my examination of the accounts of the above charity (“the Trust”) for the year ended 30/06/2025. Responsibilities and As the charity's trustees, you are responsible for the preparation of the basis of report accounts in accordance with the requirements of the Charities Act 2011 (“the Act”). I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. Independent The charity’s gross income exceeded £250,000 and I am qualified to examiner's statement undertake the examination by being a qualified member of the Association of Chartered Certified Accountants.

I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination which gives 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 accounts to be reached.

Signed:
Name:
Relevant professional
qualification(s) or body
(if any):		 Date:
28-Apr-2026
Pratul Shah
FCCA

1

Oct 2018

IER

Docusign Envelope ID: 1B9D8858-0AB1-8DDC-8163-7638BE511A68

Address: Fusion Consulting Group Ltd

Marlborough House, 298 Regents Park Road, London. N3 2SZ.

Section B Disclosure

Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts: directions and guidance for examiners).

Give here brief details of any items that the examiner wishes to disclose .

2

Oct 2018

IER