**Charity no 1169649** ## **Network Edification** ## **Annual Accounts** **1st April 2024 to 31st Mar 2025** **Prepared by DTT Consultancy Ltd** ## **NETWORK EDIFICATION** TRUSTEE'S REPORT AND FINANCIAL STATEMENT FOR THE YEAR ENDED 31 MARCH 2025 |**CONTENTS**|**PAGE**| |---|---| |Reference and administrative details|2| |Trustees report|3-6| |Independent Examiner's report|7| |Statement of Financial Activities|8| |Balance sheet|9| |Notes to the accounts|10-14| ## **Network Edification** ## **REFERENCES AND ADMINISTRATIVE DETAILS OF THE CHARITY, ITS TRUSTESS AND ADVISERS FOR THE YEAR ENDED 31 MARCH 2025** **Trustees** Miss Ayotomiwa Odedoyin Mrs Mariam Adorkorbidji Ms Nokuthula Marks Mr Opemipo Abiola **Charity registration no** 1169649 **Principal office** 6 Frognal Place Sidecup Kent DA14 6LR **Independent Examiner** Tunji Ogedengbe 36 Daffodil Close Hatfield AL10 9FF **Bankers** Barclays Bank PLC 263/265 High street Chatham ME4 4BZ Page 2 ## **NETWORK EDIFICATION** ## REPORT OF TRUSTEES FOR THE YEAR ENDED 31 MARCH 2025 The Trustees submit their report and financial statements of Network Edification (The Charity) for the year ended 31 March 2025. The trustees confirm that the Trustees' report and financial statements of the charity comply with the statutory requirements of the Charities Act 2011 and the Charity's governing document and the provisions of the Statement of Recommended Practice (SORP) issued in April 2005. ## **STRUCTURE, GOVERNANCE AND MANAGEMENT** Network Edification is Charitable Incorporated Organisation. It was constituted with a CIO - Foundation Model Constitution registered on 13 October 2016 and was registered as a charity in England and Wales on 13 October 2016. ## **APPOINTMENT OR ELECTION OF DIRECTORS** Trustees are appointed and or co-opted under the terms of the charity's governing document. ## **POLICIES ADOPTED FOR THE INDUCTION AND TRAINING OF NEW TRUSTEES** The induction process for a newly appointed trustees comprises of an initial meeting with the chair and other Trustees, followed by short meetings with the Senior Pastor on the powers and responsibilities of the Trustees. ## **ORGANISATIONAL STRUCTURE AND DECISION MAKING** The charity is organised so that the Trustees meet regularly to manage its affairs. The Senior Pastor manages the day to day administration of the churches with assistance from the ministers. ## **RELATED PARTY TRANSACTION** NETWORK EDIFICATION is a network of churches and faith centres across United Kingdom. Their relationship is stated under the terms of their governing document. ## **RISK MANAGEMENT** The Trustees have assessed the major risks to which the charity is exposed, in particular those relating to the operations and finances of the charity, and are satisfied that systems are in place to mitigate our exposures to major risks. However consultation and review of our systems are regularly undertaken, in order to ensure they remain up to date and effective. ## **OBJECTIVES AND ACTIVITIES** The principal object is the advancement of Christian religion, and the relief of poverty. To achieve its objectives, the charity adopted the following strategies: Setting up platforms which facilitates the general public to express their belief in the Christian God through worship, religious education and conferences, Organising regular events and meetings, and Supporting other charities and Christian events. Page 3 ## **NETWORK EDIFICATION** REPORT OF TRUSTEES FOR YEAR ENDED 31 MARCH 2025 ## **PUBLIC BENEFITS** The Church's Sunday and mid-week services as well as prayer meetings are open to the general public to build on their Christian faith. Apart from its Church activities, the charity was involved in in the following public benefit efforts: Holding outreaches in areas of interest to our community, such as engaging with local initiatives e.g. donating to the local food bank The charity runs a bi-monthly leadership training and development in Stratford London. The objective of training is to provide participants with leadership skills. - The charity runs a monthly women's fellowship tagged "POURED OUT WOMEN" for women in. Gillingham. - The charity runs a monthly men's fellowship "RELENTLESS" in Gillingham. Our efforts are geared towards supporting the programmes of our local community, promoting cohesion in our community, and impacting the lives of the young people and the elderly. In establishing the annual plan and activities for the year, which will fulfil the overall aims of the organisation, the Trustees considered the principles of public benefits' testing at the time in line with the ethos of the Charity's objects of advancing Christian faith in the United Kingdom. The Trustees are aware of the Charity Commission's guidance on public benefit and have taken them into account where relevant, in their planning and decision making. ## **GRANT MAKING POLICY** The church supports visiting ministers of the gospel both within and outside the church. The Church supports other charities and missionary that share its objects in the advancement of Christian faith and relief of poverty. The church gives occasional welfare grant to members of the congregational who are in need, after a careful and thorough assessment. ## **VOLUNTEERS** The church is grateful for the unstinting efforts of its volunteers who are involved in providing services for the charity. It is estimated that over 4,992 hours are provided by volunteers during the year. If this is conservatively valued at £8.00 per hour, the volunteers effort will amount to over £39,936. Page 4 ## **NETWORK EDIFICATION** REPORT OF TRUSTEES FOR THE YEAR ENDED 31 MARCH 2025 ## **REVIEW OF ACTIVITIES** The charity continues to enjoy tremendous growth in its physical and spiritual life during the year, and in the advancement of Christian faith in accordance with the doctrines set out in its Statement of faith . ## **RESERVES POLICY** The trustees' policy is to have unrestricted and uncommitted funds (free reserves) to cover 3 to 6 months of resources expended. They feel that this would enable current activities to continue if there is any significant drop in funding. It would obviously be necessary then to consider how the funding would be replaced or activities changed. The present free reserve is within the policy range but the trustees are continuing to seek additional funds to further boost the reserves. ## **PRINCIPAL FUNDING** Funding has been provided mainly through tithes and offerings by church members and through donations. Pledges are also taken for specific projects. ## **FUTURE DEVELOPMENTS** The charity continues to explore various ways of spreading the gospel of Christ in an effective manner. The charity is also looking to create more gathering centres, grow in membership and continue to develop its members to make life-changing impact in the community. Page 5 ## **NETWORK EDIFICATION** REPORT OF TRUSTEES FOR THE YEAR ENDED 31 MARCH 2025 ## **STATEMENT OF TRUSTEES' RESPONSIBILITIES** The Trustees are responsible for preparing the annual report and financial statements in accordance with applicable laws and regulations. Charity law requires the Directors to prepare financial statements for each financial year. Under that law, the Trustees have elected to prepare the financial statements in accordance with the United Kingdom Generally Acceptable Accounting Practice (United Kingdom Accounting Standards and applicable law). The financial statements are required to give a true and fair view of the state of affairs of the charity and of the surplus or deficit of the charity for that period. In preparing the financial statements, the Directors are required to: - Select suitable accounting policies and apply them consistently; - Make judgement and estimates that are reasonable and prudent; Prepare the financial statements on a going concern basis unless it is inappropriate to presume that the charity will continue in operation. The trustees recognise their responsibilities to keep proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charity and henceforth taking steps for the prevention and detection of fraud and other irregularities. The appended financial statements have been prepared on the accruals basis and have been examined by an independent examiner, whose report is also appended. Approved by the Trustees on 20th January 2026 and signed on their behalf by: ## **Ms Nokuthula Marks Trustee** Page 6 ## **TO THE TRUSTEES OF NETWORK EDIFICATION** I report to the trustees on my examination of the accounts of the above charity ("the CIO") for the year ended 31 March 2025 which is set on pages 8 -14 ## **RESPONSIBILITIES AND BASIS OF REPORT** As the charity trustees of the Trust, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ("the Act") I report in respect of my examination of the CIO's account carried out under section 145 of 2011 Act and in carrying out my examination, I have followed applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. ## **INDEPENDENT EXAMINER'S STATEMENT** 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: - accounting records were not kept in accordance with section 130 of the Act or the accounts do not accord with the accounting records I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached. Tunji Ogedengbe Date: 20/01/2026 Page 7 ||**Network Edification**|**Network Edification**|**Network Edification**|**Network Edification**|**Network Edification**|**1169649**| |---|---|---|---|---|---|---| ||Annual accounts for theperiod|||||| ||Period start date|**1st April 24**|**To**|Period end date|**31st Mar 25**|| |||||||| |**Section A**|**Statement of financial activities**|||||| |**Recommended categories**
**by activity**
**Details of own**
**analysis**
Note
**Incoming resources (Note 3)**
**Incoming resources from**
**generated funds**
Voluntary income
S01
Activities for generating funds
S02
Investment income
S03
**Incoming resources from**
**charitable activities**
S04
**Other incoming resources**
S05
S06
**Resources expended (Notes 4-8)**
**Costs of Generating Funds**
Activities in furtherance of charity's
objects
S07
Grants payable - institutional
S08
Support Costs
S09
**Charitable activities**
S10
**Governance costs**
S11
**Other resources expended**
S12
S13
S14
S15
S16
S17
S18
S19
S20
S21
**_Total funds carried forward_**
**Total funds brought forward**
**_Net movement in funds_**
**_Net incoming/(outgoing) resources before_**
**_transfers_**
Gains and losses on investment assets
Prior year adjustment
**Other recognised** **gains/(losses)**
**_Net incoming/(outgoing) resources before other_**
**_recognised gains/(losses)_**
**Gross transfers between funds**
**_Total resources expended_**
**_Total incoming resources_**|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05| |---|---|---|---|---|---| ||-|-|-|-|-| ||65,128|-|-|65,128|45,161| ||-|-|-|-|-| ||-|-|-|-|-| ||-|-|-|-|-| ||-|-|-|-|-| ||65,128|-|-|65,128|45,161| ||||||| ||-|-|-|-|-| ||49,926|-|-|49,926|48,715| ||-|-|-|-|-| ||8,240|-|-|8,240|1,640| ||-|-|-|-|-| ||-|-|-|-|-| ||-|-|-|-|-| ||58,166|-|-|58,166|50,355| ||6,962|-|-|6,962|5,194
-| ||-|-|-|-|-| ||6,962|-|-|6,962|5,194
-| ||||||| ||-|-|-|-|-| ||-|-|-|-|-| ||6,962|-|-|6,962|5,194
-| ||20,292|-|-|20,292|25,486| ||27,254|-|-|27,254|20,292| Page 8 ## **Section B Balance sheet as at 31 March 2025** |**Fixed assets**
**Tangible assets (Note 9)**
**Investments (Note 10)**
**_Total fixed assets_**
**Current assets**
**Stock and work in progress**
**Debtors (Note 11)**
**(Short term) investments**
**Cash at bank and in hand**
**_Total current assets_**
**Creditors: amounts falling due within one**
**year (Note 12)**
**_Net current assets/(liabilities)_**
**_Total assets less current liabilities_**
**Creditors: amounts falling due after one**
**year (Note 13)**
**Provisions for liabilities and charges**
**_Net assets_**
**Funds of the Charity**
**Unrestricted funds**
**Restricted income funds (Note 14)**
**Endowment funds(Note 15)**
**_Total funds_**|Note
B01
B02
B03
B04
B05
B06
B07
B08
B09
B10
B11
B12
B13
B14
B15
B16
B17
B18
B19
B20|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income funds**
**Endowment**
**funds**
**Total this year Total last year**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05| |---|---|---|---|---|---|---| |||-|-|-|-|-| |||-|-|-|-|-| |||-|-|-|-|-| |||-|-|-|-|-| |||||||| |||-|-|-|-|-| |||13,210|||13,210|13,210| ||||-|-|-|-| |||14,444|-|-|14,444|7,482| |||27,654|-|-|27,654|20,692| |||||||| |||400|-|-|400|400| |||||||| |||27,254|-|-|27,254|20,292| |||||||| |||27,254|-|**-**|27,254|20,292| |||||||| |||-|-|-|-|-| |||-|-|-|-|-| |||||||| |||27,254|-|-|27,254|20,292| |||||||| |||27,254|||27,254|20,292| ||||||-|-| ||||-||-|-| |||||-|-|-| |||||||| |||27,254|-|-|27,254|20,292| |||||||| |||Date of
approval
Print Name
Signature||||| |||||Ms Nokuthula Marks||20/01/2026| |||||||| Page 9 ## **Network Edification** ## **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 on the basis of historic cost (except that investments are shown at market value) in accordance with: - Accounting and Reporting by Charities – Statement of Recommended Practice (SORP 2005); • and with* ü Accounting Standards; or Financial Reporting Standards for Smaller Enterprises (FRSSE); - and with the Charities Act 1993. [** except for the following]. _**Give details in this box if a different standard has been followed.**_ - -Tick as appropriate: - if all relevant disclosures shown in the pack have been given then please tick “Accounting Standards”; - if disclosures completed in these accounts have been restricted to those required by the FRSSE, then please tick “Financial - Reporting Standards for Smaller Enterprises (FRSSE)”. ** - If no departures from the chosen standards have been made then delete these words; otherwise give details of any changes in the boxes. ## **1.2 Change in basis of accounting** There has been no change to the accounting policies (valuation rules and methods of accounting) since last year (§ except for the following). - § if no changes have been made to accounting policies then delete these words. ## **1.3 Changes to previous accounts** No changes have been made to accounts for previous years Page 10 ## **Network Edification** ## **Section C Notes to the accounts (cont)** ## **Note 2 Accounting policies** _**This standard list of accounting policies has been applied by the charity except for those deleted. Where a different or additional policy has been adopted then this is detailed in the box below.**_ ## **INCOMING RESOURCES** |**INCOMING RESOURCES**|| |---|---| |**Recognition of incoming**|These are included in the Statement of Financial Activities (SoFA) when:| |**resources**|· the charity becomes entitled to the resources;| ||· the trustees are virtually certain they will receive the resources; and| ||· the monetary value can be measured with sufficient reliability.| |**Incoming resources with related**|Where incoming resources have related expenditure (as with fundraising or contract income) the| |**expenditure**|incoming resources and related expenditure are reported gross in the SoFA.| |**Grants and donations**|Grants and donations are only included in the SoFA when the charity has unconditional entitlement to| ||the resources.| |**Tax reclaims on donations and**|Incoming resources from tax reclaims are included in the SoFA at the same time as the gift to which| |**gifts**|they relate.| |**Contractual income and**|This is only included in the SoFA once the related goods or services have been delivered.| |**performance related grants**|| |**Gifts in kind**|Gifts in kind are accounted for at a reasonable estimate of their value to the charity or the amount
actually realised.| ||Gifts in kind for sale or distribution are included in the accounts as gifts only when sold or distributed| ||by the charity.| ||Gifts in kind for use by the charity are included in the SoFA as incoming resources when receivable.| |**Donated services and facilities**|These are only included in incoming resources (with an equivalent amount in resources expended)| ||where the benefit to the charity is reasonably quantifiable, measurable and material_._The value| ||placed on these resources is the estimated value to the charity of the service or facility received.| |**Volunteer help**|The value of any voluntary help received is not included in the accounts but is described in the
trustees’ annual report.| |**Investment income**|This is included in the accounts when receivable.| |**Investment gains and losses**|This includes any gain or loss on the sale of investments and any gain or loss resulting from revaluing| ||investments to market value at the end of the year.| |**EXPENDITURE AND LIABILITIES**|| |**Liability recognition**|Liabilities are recognised as soon as there is a legal or constructive obligation committing the charity to| ||pay out resources.| |**Governance costs**|Include costs of the preparation and examination of statutory accounts, the costs of trustee meetings| ||and cost of any legal advice to trustees on governance or constitutional matters.| |**Grants with performance**|Where the charity gives a grant with conditions for its payment being a specific level of service or| |**conditions**|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.| |**Grants payable without**|These are only recognised in the accounts when a commitment has been made and there are no| |**performance conditions**|conditions to be met relating to the grant which remain in the control of the charity.| |**Support Costs**|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.| |**ASSETS**|| |**Tangible fixed assets for use by**|These are capitalised if they can be used for more than one year, and cost at least £500. They are| |**charity**|valued at cost or a reasonable value on receipt.| |**Investments**|Investments quoted on a recognised stock exchange are valued at market value at the year end. Other| ||investment assets are included at trustees' best estimate of market value.| |**Stocks and work in progress**|These are valued at the lower of cost or market value.| Page 11 ## **Network Edification** ## **Section C Notes to the accounts (cont)** ## **Note 3 Analysis of incoming resources** _**Incoming resources may be further analysed if this would help the reader of the accounts.**_ |**Activities for generating funds**
**Investment income**
**Incoming resources from**
**charitable activities**
**Voluntary income**|**Total this year**
**Total last year**
**£**
**£**
**Analysis**|**Total this year**
**Total last year**
**£**
**£**
**Analysis**|**Total this year**
**Total last year**
**£**
**£**
**Analysis**| |---|---|---|---| ||Tithes Offering|47,429|45,161| ||Gift aid|17,699|-| ||**Total**|65,128|45,161| ||||| |||-|-| |||-|-| |||-|-| |||-|-| |||-|-| ||**Total**|-|-| ||||| |||-|-| |||-|-| |||-|-| |||-|-| |||-|-| ||**Total**|-|-| ||||| |||-|-| |||-|-| |||-|-| |||-|-| |||-|-| ||**Total**|-|-| Page 12 ## **Network Edification** ## **Section C Notes to the accounts (cont)** ## **Note 4 Analysis of resources expended** **Resources expended may be further analysed if this would help the reader of the accounts.** |**Resources expended may**|**be further analysed if this would help the reader of the accounts.**|**be further analysed if this would help the reader of the accounts.**|**be further analysed if this would help the reader of the accounts.**| |---|---|---|---| ||**Total this year**
**Total last year**
**£**
**£**
**Analysis**||| |**Costs of generating**
**voluntary income**|Leadership Allowance|8,400|9,795| ||Travel subsistence|5,065|3,911| ||Rent|15,283|17,160| ||Resources|965|3,361| ||Insurance|322|-| ||Honorarium|1,460|-| ||Church equip|3,080|864| ||Printing & Stationery|-|20| ||Pastoral Care|-|151| ||Accountancy|-|400| ||Motor Expense|164|-| ||Office Expense|663|424| ||Telephone & Internet|827|1,209| ||Hospitality|7,756|7,784| ||Training|150|-| ||Media & Technology|3,580|2,112| ||Bank Charges|4|391| ||Music|1,287|145| ||Gift|156|104| ||Storage|-|886| ||Seminar/Conference|763|-| ||**Total**|**49,926**|**48,715**| |**Investment management**
**costs**
**Fundraising trading costs**
**Charitable activities**
**Governance costs**|||| ||||| ||||| ||||| ||||| ||||| ||**Total**|-|-| ||||| ||||| ||||| ||**Total**||| ||||| ||Donation|3,620|240| ||Welfare|3,030|200| ||Mission|1,590|1,200| ||**Total**|**8,240**|**1,640**| ||||| ||||| ||||| ||||| ||**Total**||| Page 13 ## **Network Edification** ## **Section C Notes to the accounts (cont)** ## **Note 5 Support Costs** _**Please complete this note if the charity has analysed its expenses using activity categories and has support costs.**_ |**Support cost type**|**Fundraising activity**
**£**|**Charitable Activity**
**£**|**Governance Activity**
**£**|**Total Cost**
**£**| |---|---|---|---|---| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| |**Total**|-|-|-|-| ## **Note 6 Details of certain items of expenditure** ## **6.1 Trustee expenses** _**Please provide details of the amount of any payment or reimbursement of out-of-pocket expenses made to trustees or to third parties for expenses incurred by trustees. If no expenses were paid, please enter ‘None’ in the appropriate box(es).**_ **Number of trustees who were paid expenses** ## **Nature of the expenses** ## **Total amount paid** |**This year**|**Last year**| |---|---| ||| ||| |**£**|**£**| ## **6.2 Fees for examination or audit 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 or auditor. If nothing was paid please enter NONE in the appropriate box(es).**_ |**Other fees (for example: advice, consultancy, accountancy services) paid to**
**the independent examiner or auditor**
**Independent examiner’s or auditors' fees for reporting on the accounts**|**This year**
**£**|**Last year**
**£**| |---|---|---| ||400|400| |||| Page 14 ## **Network Edification** ## **Section C Notes to the accounts (cont)** ## **Note 11 Debtors and prepayments** _**Please complete this note if the charity has any debtors or prepayments.**_ |**Analysis of debtors**
**Trade debtors**
**Amounts due from subsidiary and associated undertakings**
**Gift Aid receivable**
**Prepayments and accrued income**
**Total**|**Amounts falling due within**
**oneyear**|**Amounts falling due within**
**oneyear**|**Amounts falling due after**
**more than oneyear**|**Amounts falling due after**
**more than oneyear**| |---|---|---|---|---| ||**This year**
**£**|**Last year**
**£**|**This year**
**£**|**Last year**
**£**| ||||-|-| ||-|-|-|-| ||13,210|13,210|-|-| ||-|-|-|-| ||13,210|13,210|-|-| ## **Note 12 Creditors and accruals** _**Please complete this note if the charity has any creditors or accruals.**_ **12.1 Analysis of creditors** |**Loans and overdrafts**
**Trade creditors**
**Amounts due to subsidiary and associated undertakings**
**Other creditors**
**Accruals and deferred income**
**Total**|**Amounts falling due within**
**oneyear**|**Amounts falling due within**
**oneyear**|**Amounts falling due after**
**more than oneyear**|**Amounts falling due after**
**more than oneyear**| |---|---|---|---|---| ||**This year**
**£**|**Last year**
**£**|**This year**
**£**|**Last year**
**£**| |||-|-|-| ||400|400|-|-| ||-|-|-|-| |||-|-|-| ||-|-|-|-| ||400|400|-|-| ## **12.2 Security over assets** _**If any loan, overdraft or other creditor holds a charge or other security over any assets of the charity please provide details.**_ Page 15