RIDGEWAY EVANGELICAL CHURCH C.I.O. REGISTERED CHARITY 1167588 ANNUAL FINANCIAL REPORT AND ACCOUNTS YEAR TO 30TH SEPTEMBER 2025 RIDGEWAY EVANGELICAL CHURCH REGISTERED CktARITY 1167588 THE RIDGEWAY, CHINGFORD, LONDON E4 6PU YEAR TO 30 SEPTEMBER 2025 CIO TRUSTEES'.- ROGER K, 8A¢ON VICK( COULSON JOHN HERMF.8 NEII. TAYLOR TREASURÈR:. NEIL TAYLOR INDEPEMDENT EXAMINER:_ CORBIN FLOYD LIMITED THF. OLD.%URGERY 15A STATION ROAD EPPING, ESSEX, CM16 4He? BANKERS'.- NATIONAL WE-STK41NSTER13ANK PLC RIDGEWAY EVANGELICAL CHURCH REGISTERED CHARITY 1167588 ANNUAL FINANCIAL REPORT AND ACCOUNTS YEAR TO 30TH SEPTEMBER 2025 CONTENTS Report ol the Trustees Pa9e I Report ol Ihe Sndependenl Examiner Page 2 statement ol financial Act(vilies Pag¢ 3 Balancf) Slieel Payè 4 N¢stes lo the Accounts Pages 5 Eklers, Report Page 7 RIDGEWAY EVANGELICAL CHURCH CIO Roglsterod Cliarity 11675B8 ANNUAL FINAMCIAL REPORTSAND ACCOUNTS REPORT OF THE CONGREGATIONAL TRUSTEES I"I'ho Tru#t99s"} Thtr Tru$l¢¢s present tho onnual rtsporl accounts of R(dg8way Ev8ng8ll¢al Church I'The ChurGh"I for the year anded the 30 Sepbmber 2025. Tho Chur¢h Is a CIO regkslered by the Cliarity ¢offlm15sbn Inumber 1167588>.11 mgels In Rid9Bway Hall, a reglslered place of worshlp. The objectives of the charity arè to advance the Clirislian lalth, to r6llève pcysons who In ￿ndItIonS of nced or hardship or who # agod 01 slck and lo relieve Ihe d181ress caused thereby, and its promote and fulfil such olher charitable purposes beneficial to the coinmunlty. The TTuste&s seNlng foi the year Dndod 30 Sepkmber 2025 were.. Roger Bacon Vl¢ky Coul8on John Herm88 N811 Taylor 'rhe financlal results for the year are set out in the followlng paggs. Charity Law requlre8 Trustees to prepare financial stalemenls each year whlGh UN8 a true and lair view ol the Slalo of the chdrlly'g financial arlivilicA5 cluring the y&ar #nd of ils fiAan¢lal p(>silEon Bt the tnd of the year. In preparlng Iin8nc181 statémen18, which glv& a true and lair view, the Trustees should foll¢)w best prarlice and: 1. sele¢l 8ullable accountlng ptsllcles and apply th6m consl$lenlW' 2. make judg@ments and ésumates th8t 8rè rèdson3ble and prudent: 8. slate whvtlier ypliGt)blg aGwunttng stsndords and slalon)?n18 Of reGomm&nded praolice have been followed, subject lo any departures disclosed and explalned In the fln?notal 18lem8nts; 4. prepare the financEal $iat¢ments on the goli)g boncem basis unless11 is Inapproprial8 to pr8$um& that Ib* oharlly will ¢onllfiut) In operation. The truslts¢s are responsible for keeping accounllng feoords which disdose with reasonable a¢¢ura¢y the linanclal PD511ion of Ihe charlly and whl¢h enabl¢ Ih$m lo ensur& Ihst the IlTrancial $lakmenlb comply wilh Ihe Charitles Aol 1093. Thoy a￿ also fesponslbl8 for saleguardliig the a$s8ig of th8 charity and hence lo lake reasonable steps for ihè prevention and deleolioii ol fraud or oflier irig9ularily. TRUSTE TRUSTEE . 2026 . 2026 P&g¢ I RIDGEWAY EVANGEIACALCHVRCHC, I. O, INANCIALgTA'fKMllNTS IfoR TFIC YEAR ENDE'D 30TH SEPTEMbER2fj25 IndepthirtÈMI Kxqrhlii¢r15 Report lo Mit p￿orTs1¢ al￿)￿h glthe Hfyly Iniiot*ntB, Hlg]I IltR¢h 'I'hts Kporl oil Ili¢ finw¢lol skl¢mpDtsof Ili¢PCCforlli¢y¢aT Mded lJstDewJber 2025, thth1¢li are 8etout tsn p#ses 7 to 12,15 in YQSPB¢I oran ex8nilndiiDll carEled olll ￿￿￿Ord?￿GE wllh the Chuich Ac¢ouDliiix R¢8ulAti¢)hS 2006 I'th¢ Regulalions'l aiid s.145 of lh¢ Chg1'ili¢s AGI 2QJI I'lli¢ Aci'l. Rweelkyc it51)on51bllltlc5 of tlIB PCC Rii& tli¢ ExllThlrtei' As M¢mbcrs ofih¢ Pccyou Er¢ ¢espongiblG fortlje piwRra¢ion of the finHii¢lal staleinenis: you ¢onside¥ Ihat the audil requiTeni¢iil$ of Ilie R¢gulalions aiid s.14412) of Ihe Aol do¢$ iiotfipply. Itis miy ruspo5￿1bi11ty tQ i55ue this w¢poilon IhosofJninGlal 3(TrIL￿nEn15 in UcC￿￿&￿Ce iytih oftlie R¢gttl81ions. Bis1B tsf Iht k*p4ri My oxam5nalitsttiv￿ carried oul in a¢co¥dftnwwilh Ihc Cwer&l Diirclions 8iv¢n by th¢Tharily Commis&lon 6.145 of th¢ aclfind also 10 bc folliid in th¢ Church Gmidante, 2011 edilion. Tiial ¢xiii)iiia140n Iii¢lud¢s a review of 1119 aco)iinling recoith kept by the p￿ Atyj 9 coiiipa¥isors of Iht a¢¢ounls iyilh Iliese￿c0vds. It lllso inBliidc5 considri'iiisaiiy unu$iial ilEotJ50r dlsBID5ufes tlit flnanGial slolameThi$ ard 5eekliwexplaithttons froThiyov #s Ii'usle¢8 coj1cernij￿ such Matt￿. Yhe pioeEdures iindertsken Jo iioi providc all the ¢vidence Ihatwould b¢ re1uired In bn al￿11. AILd ¢onseoueiiily I do not @xpress Btr pudil opinion on the view8iv¢n by the ACCOUikls, Ex&iiiluer'sStHteitJèiit In conneolioo willi niy ox&win&lkiii, 00 InAtter hqs wrneto atteiilbii: 111 which 8iv¢y ni¢ ￿3s￿lIablE (¥us¢ to b¢IT￿r Ihth iii any nialwial r¢spe¢tto rwuironienls • lo keep Rteo￿lI1%g records in A¢¢OM9ntt wilh setlion 130 olilie Act,. arid +10 prEpav¢ fiiinnGial 5tal¢m¢nis, wliich with Ilis*¢ounlingre¢ord$ and coniply with Iher¢4ulretntni$ of Iht Act l￿d1hr rcgulaiitins Iiavcllot bECii md.. or 121 lo wliich, ill my opiijioii, alienlirjtr ¥hould b¢ diTrwii inorder lo #nable u pNiwiti￿erst1￿LI￿8 of ¢he a¢couNts lo bor¢a¢hed. Pl,Illoyd ACA roi. on behalf ot. Cobbln fioyd LI￿￿11t￿l Ti'ndlkg FIB&lky Ivotlioj'fiold sr.ort & Co. 137 RoAd. ChlnLAfoi'd I￿11<)￿j￿. E4 6AC ,.202 PAge2 RIDGEWAY EVANGELICAL CHURCH REGISTERED CHARITY 1167588 ANNUAL FINANCIAL REPORT ANDACCOUNTS YEAR'fo 30th S￿PTEMl4￿R 2026 STATEMENT OF FINANCIAL ACTIVIT5ES 25 TOTAL 2024 TOTAL Genwl Biiklh Impiovombnt Fund Re81iiclod Funds Nole INQOMIMG RESOURCES GiTr8 and CoYlecliDTr9 Incoms Taxtyymonts thgacy Illl￿1￿5[0n 8&nk Oop0811 oitierkncome TOTAL INCOMINGRESQURCES 23,617 23,617 23.827 1.404 31,402 9,035 3,574 61,627 31,402 9,344 10,567 5,177 RESOLRCES EXPENf)ID aiieclChhrll8klo Ixpenthiure- Churdi RunTring Coslg 82,435 2.380 32.439 35,Ml 2,497 38,044 TOTAL RESOURCESEXPENDED IRANsfER (f FUNDS INCOMING LESS OUTGOINQ RESOURCES 32,808 33,117 2,991 BALANCE OF FVNDSAT OCT08ER 1s(2024 231,926 Y.Y40 2￿,868 £EPTEMiaER 30th2025 2e4.734 8.249 272,983 239.666 Pago 3 RIDGEWAY EVANGELICAL CHURCH REGISTERED CHARITY I f67588 ANNUAL FINANCIAL REPOR-r AND ACCOUNTS YEAR TO 301h SEPTEMBER 2025 BALANCE S141ET 25 2024 nolo CURREtrrrASSETS tj8posl1s￿￿lCh&￿tiès Off￿jaI IDve51monl Fund k and CJ3h Balwg 19S,035 76,948 187,730 52,136 272,983 239,866 TOTALASSETS 272,983 239.666 FUNDS lJnie8trkled Fuiid8 tsoneral Fund 1,92 264,734 231.926 Deslgnalod Fund Iinwovemenl Fund 8,249 7.940 R&sliicled FuTrth Kenya Fun TOTAL FUNDS 272, 239,866 Yhe a￿o￿anYang note8 for part oflheEe accounts. N. TAYLOR TREASURER TRUSTEE Dato Pagg 4 YEAR T030th SEPTEMgÉR 202S NOTES TOTHEACCOUtIT8 I. ACCOUNTINQ POLIGIES Thesfj accDunls ha¥9 beenpicpafoit undo1 the hr4l0iis(051Gonvpn￿M l￿d Othgrapprop s￿ndardS, h p8rliLwlar SlaleinenlolRe¢onThendgd Pracikb owli¢fl)le loCharibo8. DDr*alliins, wlleclions and la¥ ￿e￿￿￿e￿I$ artraccounled toral the limeolreolpl. Flrnlluro, fillings and oqulpmenl wiiitgR Dff 89 an expensè Sn the ybarol NirchJse. Tho Insured value olihg bulldbng isE1,318.692,' al￿ conl4nb Is £80,116. I UNRESTRICTEDMtJ DESIG14ATED FUNDS Tho GoTrer81 Fund L% an unrogl11d￿fUnd whkh Ilnwcès day-kn4&yaclNiUègoflhèChurth *nd hrdds Iy9urplu8lorfjJlure exppndl￿re. Tb$ ￿]rdIr$9 ITy0v￿1 Fund15 adelgnatedtund ¥¥hlth mNle5 In re5ffYe IwknwovemgTrts h Ihe woperlyand Ib laoilkn, RESTRICTEDFUNDS Therb w ujrienly M restskled lund9. 4. PREMISES The C￿[c￿lI￿nd2n￿bUlIdlfi9S ar9 h9ki1n truslbyRldgewayHalTwsi, and aré ocwkled uTrdoIl'.e￿¢S alzeio reDI, S. tETAILSOF CHURCH RUNNU4G cosrs 2D25 2024 st8Ff¢osl8 -$￿all95, Naiiond lilsur￿(g pènsioThconlrtbuilon Gen8101 In$ui8 HeaVni LIgh￿￿o, W8kr&Telephone ¢hwo89 Bthkflngs and relaifsd 84￿7pMen1. MaSnlengnce & Imwovomonts Mintstry Supwrt otchur£h a¢￿￿ti9 Publicity, pnnllng. pTh8tooe Eind star￿ery. Genw81 EApenses 17,657 19,1)03 2,9&5 6,301 2,011 2,476 202 294 2,297 35,54T 7.&81 251 360 1.￿7 Page 5 6. DETAILSOF DONATIONS PAID 2025 24 la10￿r5e¥S Ith￿rOn￿ork (blHomo Mi881otsir6s MIg9￿n5 Icl OI*Bilwme-tel*ed vknk 297 2,3 7. STAFf COSTS 2025 2024 Satarfes 17.325 18,649 353 19,003 Iwtribulon Page 6 REC Elders Report Year ending 30th September 2025 The elders were keen to see the church sustain the range of activities which have emerged in the prevlous years, The verse adopted as a focus was I Peter 2:9- 'But you are a chosen people, a royal prlesthood, a holy natlDn, 8 people belonging to God, that you may declare the praises of him who called you out of da rkne55 Into hls wonderful light. KÈY Taylor contlnued in her role as Pastoral As51Stant throughout the *inaiicial year, undertaking vlslting aiid helping drive forward both the Toddler Time and craft group. In partlcular. The church's well..embedded online prayer meeting every Wednesday continued, as did the craft group meeting on Fridays, Fellowship Time on Tuesdays, and the Toddle¥ Group for parents I carers with their children on Wednesrlay mornings. A moiithly Saturday Games aftemoon l evening has developed, with both regular church altendees plus others taklng part. The rnairi Sunday servSce contlnued, The preaching was dellvered by several members of the Riduewrly family, plus a complement of guest speal(ers. l)urlng months containing five Sundays, the fifth Sunday wa5 again designated estimony Suiidav. There was a rreche, a children's group and a youth group scheduled most weeks durlng the service. The church once again supported the local arrangements on Remembrance Day, providing warin drinks and changlng facilities for the band. There was the annual Christmas Carol Service in Derpmbg.r. A %pecial 5e.rvice. also took place on Good Fridayj wSth tliurch members supporting an open-alr 5ervlce at Chingford Mount. The elders remain keen to work wlth other churches in Chingford, Kay attended sever